商业银行

At the same time , in the profit condition of Chinese commercial bank , interest income divines about 70% in whole income ,first、second branch of bank of the basic level divines much , more above 90%.

与此同时，国内商业银行的赢利状况中，利息收入平均占总收入的七成左右，基层一、二级分行占比更高，不少达90%以上。

Depend the consumption by credit, risk and consume the theoretical cognition in risk of consumption by credit with make use of, point out the consumption by credit's risk is objective existent of, the scheme exterminates the risk, getting around the risk, is not realistic, only have to know the risk progressively, control risk, will consume to lend money the risk as low as lowest degree, then can realize the target of the management of the commercial bank.

通过对消费信贷、风险以及消费信贷风险理论的认识和运用，指出消费信贷风险是客观存在的，企图消灭风险，回避风险，是不现实的，只有积极地认识风险、控制风险，将消费贷款风险降低到最低程度，才能实现商业银行的经营目标。

The big problem loans have become a core problem endangering the financial system. However, the flouring private banking services in the West have not found its market in China.

但遗憾的是，在西方如日中天的私人银行业务在我国尚未形成市场，目前国有商业银行尚无一家成立了专门的私人银行部。

So the correct recognition to these two kind of legal risks, not only is the premise and the foundation to prevent the legal risks in forfeiting of the commercial bank, but also is the important guarantee to the other kinds of risks.

因此对这两大类法律风险点的正确识别，不仅是商业银行防范和控制福费廷业务法律风险的前提和基础，也是预防和消除其它各种风险的重要保证。

As the main intermediary of financial transaction, the commercial bank is the weatherglass of states economic condition.Commercial bank also plays a important role in reducing economical risk and the unstable factor, guarantying the national economy healthily.

商业银行作为金融和交易的主要金融中介，是一个国家经济状况的晴雨表，在减少经济风险和不稳定因素，保证国民经济顺畅运行方面发挥着举足轻重的作用。

On the absorption of the foreign bankings experiances and the analysis of Chinese banking, the anthor deems that the differential marketing strategy should be the basic strategic model which Chinese commercial banks should carry out to counter the hented competition.

借鉴国外银行业的实践经验，结合我国银行业的现状，笔者认为&差异化营销战略&才是我国商业银行面对激烈市场竞争所应采取的基本战略模式。

The loan crisis is the result of the finance hypes,which is mainly created by macroeconomic regulation and impropered control, the real estate unbalanced market, thus it is especially important to pay attention to our country present Commercial bank's credit risks.

次贷危机是低估房地产信贷个人信用风险的结果，伴随这我国房地产行业的急速发展，关注我国目前商业银行的信用风险显得尤为重要。

And commercial banks are reluctant to expose the idiosyncrasies of their loan books to the glare of market scrutiny.

而且商业银行也不愿将它们贷款账簿的特质暴露在市场的注视之下。

However, the real estate industry with high-risk birth, as well as the natural contact and financial decide the real estate financial risks are bound to exist, and real estate finance business and commercial banking and other financial institutions were closely interrelated, interdependent and mutually influence each other constraints Once risks are often incriminated each other.

但房地产业先天具备的高风险性以及和金融的天然联系决定了房地产金融风险的必然存在，且房地产金融业务与商业银行等金融机构之间联系密切，相互依存、相互影响、相互制约，一旦产生风险也往往相互连累。

This essay begins with reviewing the development history of the traditional performance evaluation system and points out its insufficiencies on the ground.

文章在对传统绩效评价发展历程进行回顾的基础上，指出财务评价在商业银行运用的不足。

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。