商业银行

To begin with, we primarily review the status in quo of commercial bank performance evaluation.

第一章主要考察商业银行绩效评价发展的现状。

A part of the explanation has been the ability of the People's Bank of China to sterilise the impact of the country's enormous accumulation of foreign currency reserves upon the monetary base or "reserve money"– holdings of commercial banks at the central bank.

对这种现象的一种解释是，中国央行有能力冲销中国积聚的庞大外汇储备对基础货币的影响。基础货币是指商业银行存放在央行的货币。

The result is that, there does not exist loan rate stickiness in Chinese loan market.

最后的实证结果告诉我们，我国商业银行发放的贷款不存在粘性的特征。

Indeed ,they must be careful not to stifle banks.

事实上，他们必须非常小心不至于压制了商业银行。

Second, commercial banks,"Bank Stock Transferring","book shares" to achieve monetary and capital markets business communication.

二、商业银行"银证转帐"、"存折炒股"业务能够实现货币市场与资本市场沟通。

At last, we should exert effective strategy management, make good use of market competition to push the reform of property rights of State-owned commercial banks stoutly.

同时，一要提高管理水平，保证战略实施的成功；二要积极应对市场竞争，以竞争促进国有商业银行公司治理结构的改善。

This paper also applies game theory to set up game models for ante-accommodation and post-accommodation. In the information model for ante-accommodation, commercial banks expect the occurrence of separate game equivalence not the pooled game equivalence, for in pooled game equivalence, commercial banks may easily choose adverse selection to provide loans because of asymmetric information, while in the supervision model for post-accommodation, banks and enterprises hardly make pure strategic equivalence, that is, they can not achieve Pareto optimum in the same time, meanwhile, when the supervision model for post-accommodation achieve pooled strategic equivalence, we will make use of probabilities of enterprises not keeping their promises and probabilities of bank supervision as indexes for describing qualitatively the credit risk for enterprises and the credit risk for bank supervision.

首先，论文对信贷活动中信息不对称所产生的逆向选择与道德风险及由此产生的信贷风险进行了一般理论分析，并提出了防范逆向选择和道德风险的一般模型；其次，论文结合我国信贷市场预算约束软化这一根本特征，研究了我国信贷活动中由信息不对称而产生的信贷风险形成机理的特殊性进行了分析；接着，运用博弈论方法对我国信贷市场中商业银行与企业在申请贷款、偿还贷款时的博弈行为进行了深入分析；最后，文章提出了消除信贷市场信息不对称的对策和建议。

Operational risk of commercial banks ; risk management ; mixed strategic model

商业银行操作风险；风险管理；混合战略模型

From the paper the framework and research methods, the paper first of Personal Financial Services described the theoretical basis, from the macro and micro aspects of the development of background, to explore the use of deductive method to carry out China's commercial banks may have to personal financial management business experienced a specific historical period ; and then with our business model, legal environment and regulatory structure to be compared, the use of reasoning put forward for China's banking sector learn from the improvements and solutions, to follow the status statement - identify problems - the strict logic to propose a solution to allow the article step-by-step, the gradual deepening of research in order to achieve the goal of this article.

从论文的框架和研究方法来说，本文首先阐述了个人理财业务的理论基础、从宏观和微观的方面发展背景，运用演绎法摸索出我国商业银行开展个人理财业务可能要经历的一个特定历史阶段；最后再与我国的业务模式、法制环境和监管格局加以对比，运用推理法提出可供我国银行界借鉴的改进措施和解决方案，遵循陈述现状-发现问题-提出对策的严密逻辑进行，使文章循序渐进，逐步深入以达到本文的研究目标。

The second part is studding the measurement method of credit risk.

第二个方面是从定量的角度对商业银行信用风险的测量方法进行了初步探讨。

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。