商业银行

Under new development model, commercial bank is not the final debtee any more, and doesn't assume final risk.

在新的发展模式下，商业银行不再是客户的最终债权人，因此也不承担最后的风险。

Along with the decreasing function of traditional commercial bank, capital market has played a more and more important role in financial activities, therefore, the relationship between capital market and monetary policy has caught the attention of related authorities.

随着传统商业银行地位的下降，证券市场在金融活动中的地位日益增强。

Then positively ana.lyzed transmission effect of monetary policy of China in recent years, and with relative theories, discussed rr~ore deeply the existing principal problems on transmission mechanisms of monetary policy in our state under the realistic institutional situation of economy and finance:(1)Monetary policy tools lag behind the economic and financil background;(2)Separated and uneven money markets, the lack of transaction agents and defect in the relation between money markets and c~potal markets, have rendered the transaction of monetary policy lack on effective channel;(3)over-speculating, illegal operation and insufficient competition have severely weakened the transmission fumction;(4) systematic defect of state -owned commercial bank, asymmetry between financial and economic composition have made monetary policy lose an effective carrier;(5) factors beyond the financial system, such as soft cornstraint over state - owned enterprises policy decision, imperfect social insurance system, etc.

接下来对我国近年来的货币政策传导效果进行了实证分析，在此基础上运用相关传导机制理论并结合我国实际经济、金融制度与环境论述了我国当前货币政策传导机制的主要问题：（1）货币政策工具相对于经济、金融环境显得落后；（2）货币市场的分割、不平衡、交易主体不全以及货币市场与资本市场的联系机制缺位使得货币政策缺乏一个有效的场所；（3）资本市场特别是股票市场的过渡投机、违规操作以及不充分竞争严重地削弱了证券市场的传导功能；（4）国有商业银行现行体制的缺陷，金融结构与经济结构的非对称使得货币政策传导受阻；(5)金融体系外的因素（如国企决策行为软约束、社会保障制度不健全）。

Then positively ana.lyzed transmission effect of monetary policy of China in recent years, and with relative theories, discussed rr~ore deeply the existing principal problems on transmission mechanisms of monetary policy in our state under the realistic institutional situation of economy and finance:(1)Monetary policy tools lag behind the economic and financil background;(2)Separated and uneven money markets, the lack of transaction agents and defect in the relation between money markets and c~potal markets, have rendered the transaction of monetary policy lack on effective channel;(3)over-speculating, illegal operation and insufficient competition have severely weakened the transmission fumction;(4) systematic defect of state -owned commercial bank, asymme try between financial and economic composition have made monetary policy lose an effective carrier;(5) factors beyond the financial system, such as soft cornstraint over state - owned enterprises' policy decision, imperfect social insurance system, etc.

接下来对我国近年来的货币政策传导效果进行了实证分析，在此基础上运用相关传导机制理论并结合我国实际经济、金融制度与环境论述了我国当前货币政策传导机制的主要问题：（1）货币政策工具相对于经济、金融环境显得落后；（2）货币市场的分割、不平衡、交易主体不全以及货币市场与资本市场的联系机制缺位使得货币政策缺乏一个有效的场所；（3）资本市场特别是股票市场的过渡投机、违规操作以及不充分竞争严重地削弱了证券市场的传导功能；（4）国有商业银行现行体制的缺陷，金融结构与经济结构的非对称使得货币政策传导受阻；(5)金融体系外的因素（如国企决策行为软约束、社会保障制度不健全）。

With the principal of scientific outlook on development and linking theory with practice, this paper based on the situation of China and used some advanced experience abroad. It colligates economics, banking, management and demotics etc. This paper discusses performance evaluation system of a commercial bank from the feature and future tendency of banking. Four aspects had been included of this paper, principally.

本文将以科学发展观为指导，遵循理论联系实际的原则，立足于我国国情并适当借鉴国外先进经验，综合运用经济学、金融学、管理学和社会学等多种学科理论，对我国商业银行绩效考核的现状和发展战略作出系统和深入的研究。

An analysis of the behavior of depositor is conductive for the authority to adjust the money supply.

存款人行为是影响货币政策和商业银行流动性的重要行为，分析存款人行为有助于政府调节货币供给。

Part of the problem of the Great Depression was thought to be because of commercial banks and other types of depository institutions were competing for customer deposit by offering higher rates of interest.

大萧条的部分原因被认为是商业银行和其它类型的存款机构对客户存款以提供较高利率的方式进行竞争的结果。

Through the comparison of credit card profit structure between China and American, this article indicates differentia of cost and income between these two countries, and shows the improving aspects of China's profit mode in the coming entire open of financial industry.

文章通过对中美二国信用卡盈利结构的比较分析，指出了二国信用卡成本和收益的构成差异，说明了在即将到来的金融业全面开放之际我国商业银行在信用卡盈利模式中的亟需提高之处。

Chapter 4: The decision, adoption and diffusion of commercial bank.

第四章 商业银行创新的决策、采纳和扩散。

Article 72 Commercial banks should terminate their operations upon a disbandment, dismantlement and bankruptcy.

第七十二条商业银行因解散、被撤销和被宣告破产而终止。

Breath, muscle contraction of the buttocks; arch body, as far as possible to hold his head, right leg straight towards the ceiling (peg-leg knee in order to avoid muscle tension).

呼气，收缩臀部肌肉；拱起身体，尽量抬起头来，右腿伸直朝向天花板（膝微屈，以避免肌肉紧张）。

The cost of moving grain food products was unchanged from May, but year over year are up 8%.

粮食产品的运输费用与5月份相比没有变化，但却比去年同期高8％。