商业银行

Four our state-owned commercial banks, which are the backbone of domestic financial system, the knowledged economy is not only a rare opportunity but also a severe challenge.

面对知识经济的挑战，对于在国内金融体系中占据主体地位的国有商业银行来讲，既是难得的发展机遇，也是一场严峻的挑战。

Whether the four biggest stated-owned commercial banks themseleves would exist and develop or not, or even whether the whole banking industry of our country would grow or not in the future, are mostly dependent on whether they could understand the situation, catch the chance, avoid their defaults to expose their excellence and on whether they could make wise decision to meet with the knowledged economy.

因此，如何审时度势、抓住机遇、扬长避短，在迅速壮大自身规模和实力的同时，采取正确的应对策略迎接知识经济挑战，不仅关系到四大国有商业银行自身生存和发展的问题，而且关系到我国银行业未来发展的大计。

Usually under the country's stable maintainment of RMB exchange rates, it makes commercial banks lack of foreign exchange management awareness and skills, various riskes gradually increases.

以往在国家稳定的人民币汇率的维护下，使商业银行缺乏外汇管理意识和技巧，各种风险逐步增大。

In this paper, it analyses the competitive strategy of commercial banks mainly using Poter ? Micheal s theory.

本文主要运用迈克尔·波特的竞争战略理论来分析商业银行的竞争战略。

Many new "monoline" financial services companies have emerged in commercial banking, especially in consumer finance.

商业银行领域，特别是消费金融领域，已出现许多新型&单一&金融服务公司（如Capital One）。

Finally , in view of Chinese situation, a practical selection on Loan Pricing in early stage of interest rates market is suggested for Chinese Commercial Bank , and the envision is made on the application of Risk Pricing M ODEL .

本文最后还根据我国的实际国情，提出了我国商业银行在利率市场化初期贷款定价的现实选择，并对风险定价模型的应用进行了展望。

As far as branch management is concerned, our state-owned commercial banks are plagued with problems like overlarge number of branches, overstaffed organizations, position-less regional layout and overlong management chain.

我国国有商业银行在分支机构管理上存在着分支机构总量过于庞大、人员过多、布局缺乏地区定位以及管理链条较长等问题，导致的结果就是管理成本高、市场反应速度慢，这将不利于其在日益激烈的同业竞争中获胜。

On the foundation of the analysis of relevant research current situation of the domestic and international, with core competence theory and using Poter's value chain theory.

论文在系统分析国内外相关研究现状的基础上，结合核心竞争力理论，利用波特的价值链理论对中国商业银行的核心竞争力要素进行深入分析。

National government subsidized loan is a policy initiated by the national government and supported by provencial and local governm...

国家助学贷款是由政府倡导，国家和各省及地方政府共同推动，通过招标方式确定商业银行，由其提供贷款的一种利国利民的资助制度。

We should change the flow of providing a loan: two-person-management, separate refund from reprovide.

面对商业银行中多次使用的贷款审批流程进行调整：信贷人员双人管理，原贷款的收回和再次发放分离。

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。