商业银行

The commercial bank of China has two impetuses of developing consumer credit. One is the necessary of exploring new profit points, the other is the necessary for the government to enlarge the domestic demand and promote economic growth.

我国商业银行发展消费信贷的推动力有两个，一是商业银行开发新的利润增长点的需要，二是国家决策当局扩大内需、拉动经济增长的需要。

Abstract］ Customers are the basis for commercial banks to survive and develop, and establishing customer service line is the key to obtaining sustainable development.

摘 要］客户是商业银行赖以生存和发展的基础，建设客户服务线是商业银行实现可持续发展的关键。

Basing on the describe of predominance of data mining and the cognition of credit appraising in the department of banking credit, the article analyses data minings application predominance on credit risk management of banking.

文章基于对数据挖掘方法优势的描述和银行业信贷部门信用评价情况的认识，结合西方商业银行信用风险评价方法的模式，运用模型分析了数据挖掘方法在商业银行信用风险管理领域的应用优势。

This paper tries to combine the existing management environment, business system, information degree of the domestic commercial bank with the data minings main technique, Synthesize some concepts and methods of the related academics, carry on the information collection and sorting, the modeling, technique choosing in some problems of the commercial bank management, and carry on imitate and examine in certain range.

本文试图结合现有国内商业银行的经营环境、业务系统、信息化程度，以数据挖掘主体技术为核心，综合相关学科的一些思想方法，对商业银行的经营管理中某些问题进行信息搜集整理，模型建立和技术选择，并在一定范围内进行模拟和检验。

A commercial bank said in Beijing and Shanghai and other places are different in Beijing in 2007 led prices to become the vanguards of the country, and this year is also the commercial banks, mortgage business actively expand the year, resulting in the risk of mortgage gathering has improved significantly.

某商业银行人士称，北京地区与上海等地不同，2007年北京地区的房价成为领涨全国的排头兵，而这一年也正是各商业银行的房贷业务积极拓展的一年，由此导致房贷集聚的风险也明显提升。

Other kind of bank -the Bank of the United States was simultaneously a commercial bank and a quasi-public central bank.

另外一种银行为美利坚银行，它既是商业银行又是准公共性质的中央银行。1791年，美利坚第一银行经国会特许成立，它的成立应归功于亚历山大·汉密尔顿。

This paper passes through the analysis of commercial bank connected transaction and the research of vesting credit control in order to promote commercial bank to run safely and steadily according to the Basle Accord.

本文旨在通过对商业银行关联交易的分析和授信控制研究，以期能促进商业银行按照巴塞尔协议的有关要求安全稳健运行。

Therefore, the methods of current loan pricing need improvement for commercial banks and methods of loan pricing fit for the transition period should be developed.

因此，商业银行需要对现行贷款定价方法进行改进，建立适合转轨时期的贷款定价方法，这对于商业银行保障自身经营效益，巩固竞争地位，具有非常重要的意义。

Initiating efforts to strengthen banks'' risk management practices and supervision related to stress testing, off-balance sheet management, and valuation practices, among others.

委员会将在现有关于交易账户和公允价值计量方法的指南以及行业最佳惯例的基础上制定指南，指导银行业监管机构对商业银行采用的资产计量方法是否严格进行评估，从而推动商业银行加强相关的风险管理。

We lack of consummate social credit system at present, property right system of commercial bank isn't clear, and haven't form an advanced and scientific managing mechanism and the cost marrying again of economy system shunt, which lead to a biggish distance of the risk managing level between our state commercial banks and the international advanced, also a biggish warp of understand.

由于我国目前缺乏完善的社会信用体系、商业银行产权制度不明晰、尚未形成先进科学的经营管理机制以及经济制度转轨的成本转嫁，导致我国国有商业银行风险管理水平与国际先进的风险管理水平有较大的差距，在认识上也存在很大偏差。

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。