商业银行

State owned commercial bank ; target function ; system of entrustment of agent ; behavioral heterization

国有商业银行；目标函数；委托代理制；行为异化

In view of the homogeneous framework of commercial banks in China, it's necessary for rural financial institutions to have a property of heterogenicity.

有鉴于中国商业银行的组织体系的同质性，因而必须使农村金融机构具有异质性。

The other is for commercial banks' finance innovation that adopts impawn and joint assurance to broaden the scope of individual's loan service.

另一方面是启发商业银行在对待个人贷款业务时，可采用信贷创新，扩大自然人担保贷款的贷款规模和贷款用途，开拓范围更广的个人贷款业务。

The thesis deep-seated probes into the reasons of the mobility problem. In reality, the reasons include illogical interest rate mechanism, lacking the medi-organization, inappropriate structure of bondholders, impercipient market main body, and macro-economic condition etc. All of them limit the mobility of IBBM.

4本文认为产生流动性问题的主要原因在于：利率机制作用不合理，即发行利率机制不合理和一级市场与二级市场利率不对称；交易中介机构欠缺，即做市商制度不完善和经纪人制度缺乏；市场主体结构不合理，即参与者结构不合理和债券持有者结构不合理；市场主体对市场认识不足，即商业银行和其他市场主体对市场认识不足；宏观经济环境等。

Article 11 Commercial banks should indicate inconsistence between the basis of preparation and the basic preconditions of accounting in their notes to the accounting report.

第十一条商业银行应在会计报表附注中说明会计报表编制基础不符合会计核算基本前提的情况。

After the China's joining in WTO ,China's economic and world's economic will be inmixture,it will offer the wide space for the development of China's commercial bank.

中国加入WTO，为中国经济与世界经济的进一步融合，以及国内商业银行的进一步发展提供了更广阔的空间。

This paper insists that exerting an integrated system of policy can increase product innovational ability of our commercial bank.

本文主张通过一系列完整的对策体系构建来提高我国商业银行的产品创新能力。

Thus, the establishment and consummation of personnel system, inspiriting and restricting system according with the requirement of commercial bank are necessary key points.

而建立和完善符合现代商业银行要求的人事制度与激励约束机制，是其中不可或缺的关键环节。

It puts forward freshly three aspects on the base,precondition and circumstance of risk prevention ,especiallyresearches for the risk foundations-"transition period" and hinese characteristic marketeconomy .It brings out five entries to risk prevention:retortion of the direction of macroscopically adjustment,market financing,system innovation ,the decentralization andrecombination of the state property right ,reformation of organizational system in the state commercial bank and the establishment of inspiritment -obligation system .

第四章是全文的创新和结论部分，通过对风险防范的基础、前提条件和环境三方面的创新论述，特别是对&转轨时期&和&中国特色的市场经济&两个风险基础的研究，提出了风险防范的五个切入点：扭转宏观调控方向、市场触资制度创新、国有产权的分散重组、改革国有商业银行组织制度和激励——约束机制的建立。

Since that, the research on invigorative system to key stuff in state-owned commercial banks becomes very necessary.

因此研究国有商业银行核心员工激励机制具有重要的现实意义。

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。