商业银行

Competition among commercial banks in modern society is, ultimately, the competition in preempting talents. Owning human resources with high quality is the crucial cause to gain competition superiority in the market.

现代商业银行之间的竞争，归根结底是对人才的竞争，拥有高素质的人力资源是商业银行在市场竞争中获得竞争优势的主要影响因素。

Firstly, the four state-owned commercial banks monopolize the financial market and it is inevitable that our financial innovation is typified by state-owned commercial banks.

首先，四大国有商业银行在金融市场上处于垄断地位，我国的金融创新必然主要表现为国有商业银行的创新。

Housing mortgage loans is a commercial bank quality assets, it's early repayment of a risk to commercial banks.

住房按揭贷款是商业银行的一项优质资产，它的提前偿还给商业银行带来了风险。

Liabilities of commercial banks are the main business of our country's commercial bank liabilities in the total assets in a high proportion.

负债是商业银行的主要业务，我国的商业银行负债在总资产中占有很高的比例。

And then, we focus on the problems in the state owned commercial banks' branch banking system, such as organizational structure and internal management.

通过对模型的分析，我们发现要从根本上解决国有商业银行上下级分支机构之间经营目标不一致的问题，就必须对国有商业银行的分支行费用分配等管理方式进行改革。

So, they can provide much great help for the reform of commercial bank of our country.

因此，把这些成功经验和我国商业银行所处的特殊国情和环境相结合，也会给我国商业银行改革提供很大的帮助。

This article starting from comparing separating-operation with multi-operation analyzes the reasons of international baking"s multi-operation in the view of institution economy, in the base of which discusses the necessities, possibilities and significances of our commercial banks" transforming from separating-operation into multi-operation under the background of international bakings multi-operation trend.

本文以国际银行业综合经营趋势为背景，从比较商业银行分业经营与综合经营的利弊入手，从制度经济学的角度分析了国际银行业综合经营的原因，并在此基础上论述了我国商业银行由分业经营向综合经营模式转变的必要性、可能性及意义。

At present, most of the studies on the constraints on divided operating, faulty and unsound policies and regulations, etc, which restricted Intermediary Business innovation, are only made for policy makers, which, however, is insignificant to the executants themselves.

当前，有关于银行业分业经营的制约、相关政策与法规不够完善和健全等等影响商业银行中间业务创新的约束条件的研究都是给政策的制定者看的，而对于政策的执行者商业银行本身而言，借鉴意义微不足道！

The author hopes the suggestions can give the commercial banks in China a help to raise the ability of managing the legal risks in Forfaiting.

本文试图通过对商业银行在从事福费廷业务中所面对的法律风险点的分析及对法律风险防范控制策略的论证，为我国商业银行更好的开展福费廷业务、防范和控制福费廷业务中的法律风险、有效的提升福费廷业务法律风险管理能力、降低法律风险损失提供一些有益的建议和帮助。

Refers to the current status of risk management in commercial banks, the article points out six main holdbacks that commercial banks are facing with when the enterprise-wide risk management system is setting up. The solutions are also brought forward from eight aspects as to expatiate how to construct the enterprise-wide risk management in China.

本文就结合我国商业银行风险管理状况，指出了我国商业银行构建全面风险管理体系面临的六个主要障碍，提出了相应的解决对策，并从八个方面阐述了如何构建我国的全面风险管理。

On the other hand, the more important thing is because the urban housing is a kind of heterogeneity products.

另一方面，更重要的是由于城市住房是一种异质性产品。

Climate histogram is the fall that collects place measure calm value, cent serves as cross axle for a few equal interval, the area that the frequency that the value appears according to place is accumulated and becomes will be determined inside each interval, discharge the graph that rise with post, also be called histogram.

气候直方图是将所收集的降水量测定值，分为几个相等的区间作为横轴，并将各区间内所测定值依所出现的次数累积而成的面积，用柱子排起来的图形，也叫做柱状图。