商业银行

Article 4 A commercial bank shall, according to the prescribed specifications, simultaneously calculate the consolidated and unconsolidated core indicators for risk management.

第四条 商业银行应按照规定口径同时计算并表的和未并表的风险监管核心指标。

The undistributed profits refer to the undistributed profits or uncovered deficit of any previous year.

未分配利润：商业银行以前年度实现的未分配利润或未弥补亏损。

In order to further financial reform, avoid financial risks, and develop national economy continuously, healthy and quickly, the Government, referring to international experience, made decision in 1999 about disposal of commercial banks' unperformed assets with financial assets management company.

由于历史原因，我国金融领域积聚了大量不良资产，严重影响了金融安全和金融秩序，为深化金融改革，防范和化解金融风险，促进国民经济持续、健康、快速发展，我国政府借鉴国际经验，于1999年做出了采用组建金融资产管理公司的方式专业处置国有商业银行不良资产的重大决策。

However, at the same time, commercial banks in enterprise annuity business, reflecting its strength and power unrivaled.

然而，与此同时，商业银行却在企业年金业务中体现出其无可比拟的优势和动力。

Key words］ commercial bank; core competence; value chain; distribution theory; distribution capability

关键词］商业银行；核心竞争力；价值链；分销理论；分销能力

The theme of this paper is the market risks management of commercial banks via VaR approach.

本文的主题是论 VaR方法在商业银行市场风险管理中的应用。

The main method we used in this thesis to evaluate the risk of Intermediate Business is VaR.

中间业务的发展在我国方兴未艾，成为所有商业银行的战略重点。

As one of the most important risk management approaches, VaR is applied in all aspects of risk management, including the risk management of commercial banks.

作为当前最重要的风险管理方法之一，VaR被运用于金融风险管理的各个方面，商业银行的风险管理也是其应用的重要领域。

With the continuous deepening of China's reform and opening up, theexisting financial system is dominated by state-owned commercial banksreforms of the financial system as a whole weather vane.

随着我国改革开放的不断深入，现有金融体系中占主导地位的国有商业银行的改革，成为整个金融体制改革的风向标。

Specifically, the effects of the underwriting commission, the selection of underwriter and the yield spread of bonds all show that the commercial banks' entry into the bond underwriting market has been successful.

日本商业银行进入债券承销市场乃至日本金融业混业经营改革采取的都是一种渐进的方式，而包括金融业混业经营在内的日本金融改革对我国来讲具有较好的借鉴意义。

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。