商业银行

On the basis of it, this paper applied the SWOT model to evaluate the insurance's function in operation risk management.

在此基础上，本文对保险在商业银行操作风险管理中的应用进行了SWOT分析，对保险在商业银行操作风险管理中发挥的作用作了系统、客观的评价，得出保险这一现代金融工具在商业银行操作风险管理中有着巨大的优势。

Chapter!? expounds the five main aspect of risk in national commercial bank, i.e..signal liability structure,bad loan quality, low capital efficiency, imperfect restriction on interior power, thin consciousness on risk avoidance;summarizes five characters of the bank risks, including risk concentration, moral risk, risks caused by system structure, inequi ty between bank risks and revenues, aggrandizement trend of bank risks;analysis eight reasons for bank risks, including proprietary ownership voidance,macroeconomic fluctuation, ineffective capita buffer mechanism, enterprise reasons.no synchronous fiscal investment and financial reform, incompetence law and regulation enforcement.

紧接着在第三章阐述了我国国有商业银行风险的"五大表现"，即负债结构单一、信贷资产质量差、资本充足率低、内部控制机制薄弱、防范风险的意识淡薄；总结了我国国有商业银行风险的"五大特点"，即风险高度集中、风险人为匿藏、风险的体制性、风险与收益严重不对称、风险呈继续扩大态势；剖析了我国国有商业银行风险形成的"八大因素"，即金融产权"人格"虚设、宏观经济波动、资本金等缓冲机制不健全、财政、投资和金融的体制改革不配套、法律和法规不健全等。

According to constraint-induced financial innovation theory, evadable financial innovation theory, the transaction cost innovation theory, and based on commercial banks" basic concepts and theory of intermediary operation"s development, in a comprehensive comparison between domestic and foreign commercial banks, this paper applies the econometric method of panel data to analyze 4 macroscopical indicators impacting on intermediary operation such as gross domestic product, per capita disposable income, total direct financing business and the average deposit and loan spreads, and the econometric method of time sequence to analyze 3 microcosmic indicators such as the rate of nonperforming loans, the rate of cash and assets, core capital adequacy ratio.

本文根据约束诱导型金融创新理论、规避型金融创新理论、交易成本创新理论等理论，以商业银行中间业务的基本概念和中间业务发展的理论依据为出发点，在全面比较国内外商业银行中间业务发展的基础之上，运用时间序列和面板数据分析方法，选择了国内生产总值、城乡居民人均可支配收入、企业直接融资总额和平均存贷款利差四个宏观经济变量以及不良贷款率、现金资产率和核心资本充足率三个微观经济变量，对影响我国国有商业银行中间业务发展的因素进行实证分析。

At present, there still exist tons of problems in the internal audit mechanisms of China's commercial banks, such as, the lack of standard, all sidedness, independence, validity, timeliness, only have to carry out the related reforms which based on the practical problems, do the commercial banks to be adapted to the needs of the reformational development, then to further strengthen the ability to resist the risk of commercial bank, which can be enhanced China's financial strength.

目前，我国商业银行内部审计机制仍然存在着许多问题，缺乏规范性、全面性、独立性、有效性、及时性，只有针对现实存在的问题进行相应的改革，才能适应商业银行改革发展的需要，进一步加强我国商业银行的风险抵御能力，增强我国的金融实力。

And the case of usurping enormous bank fund in Guangdong branch bank, Bank of China that happened in March 2002 has urged me to choose this title as my topic directly.

为了突出商业银行内部控制的系统性、完整性，在接下来两个章节的写作中，论文紧扣这五个方面，分别考察了我国国有商业银行自80年代末以来内部控制的建设现状及目前存在的问题，介绍了国外商业银行在内部控制方面的经验。

This chapter classifies the nature and classification of risks of commercial banks.

本章阐明商业银行风险的性质与分类，分析商业银行风险评估的含义和在内部控制中的作用，介绍西方商业银行的主要风险评估方法。

Construction of commercial banks Performance Evaluation System, is a commercial bank in the new financial environment to maintain good competitiveness and sustainable innovative ability of the foundation, the promotion of commercial banks to improve management, and preventing and defusing financial risks is of great significance.

构建商业银行绩效评价指标体系，是商业银行在新的金融环境下保持良好竞争力和持续创新能力的基础，对推动商业银行改进经营管理，防范和化解金融风险具有十分重要的意义。

With the slowing down of the world economic growth and the rapid development of non-bank financial institutions, fund demand of commercial banks decreases relatively. Therefore, commercial banking changed from "the seller"s market " into "the buyer"s market " in which competition has been much intenser. Then marketing management in commercial banks becomes a trend of world.

随着世界经济增长放缓和非银行金融业的迅速发展，金融市场对商业银行的资金需求相对减少，商业银行已从&卖方市场&转向&买方市场&，竞争空前激烈，发展和创新商业银行营销管理成为世界银行业管理的发展趋势。

In accordance with bond investment theory, by means of qualitative analysis and quantitative analysis, this paper makes research on the historical bond investment strategy of A City Commercial Bank and analyzes the bond investment strategy that resulted in the fall-down of bond's current price and causes inside and outside.

商业银行特别是中小商业银行有必要将科学的投资管理理念深入下去，作为投资管理程序中重要的投资策略选择问题是关系到商业银行债券资产运营成败的关键问题，应该引起足够重视。

With the development of the whole world economic, Forfaiting, as one kind of the financial services for the international trade, is taken more and more attention by the bank because of it's positively function to the international trade.

但是，由于我国商业银行开展福费廷业务的时间较短，再加上我国商业银行从业人员对福费廷的基本知识、业务流程尤其是福费廷中所涉及的法律问题等方面没有形成全面深刻的认识和把握，因此使我国商业银行在开展福费廷业务中面临着各种各样的风险。

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。