国家银行

This paper using the panel data of50 developing countries studies the influence of foreign bank entry on bakingefficiency (growth rate of deposit, growth rate of lend, growth rate of net interestincome and spread) and draws the experiential conclusion: foreign bank entry hasmuch influence on lending market and profit growth, but this influence can force thereform and development of domestic banking. Foreign bank entry decreases the spreadof domestic banking, and this means the efficiency of domestic banking increases.Foreign bank entry dose not cause the deposit diffluence of domestic banking.

利用50个发展中国家的银行样本数据分析了外资银行进入对本土商业银行效率(存款增长率、贷款增长率、净利息收入增长率和存贷利差)的影响，并得出了经验结论：外资银行进入对贷款市场和利润增长形成了巨大的冲击，但是这种冲击会推动东道国银行业改革和发展；外资银行进入降低了本土银行业的存贷利差，说明本土银行由于外资银行进入银行效率得到了提升；进一步验证了外资银行进入没有造成本土银行业存款市场的分流。

COASTAL COMMUNITY AND TEACHERS CREDIT UNION COLLINS COMMUNITY CREDIT UNION COLUMBUS BANK AND TRUST COMPANY COMERICA BANK COMMERCE BANCSHARES, INC. COMMERCE BANK, NATIONAL ASSOCIATION COMMERCIAL BANK COMMUNITY BANK AND TRUST CREDIT ONE BANK, NATIONAL ASSOCIATION CREDIT UNION CENTRAL FALLS CREDIT UNION OF NEW JERSEY CU COOPERATIVE SYSTEMS DATA CENTER INCORPORATED DHCU COMMUNITY CREDIT UNION DIGITAL FEDERAL CREDIT UNION DUPONT COMMUNITY CREDIT UNION ESL FEDERAL CREDIT UNION EVANSVILLE FIREFIGHTERS FEDERAL CREDIT UNION FAIRFAX COUNTY FEDERAL CREDIT UNION FAMILY SECURITY CREDIT UNION FARMERS AND TRADERS BANK FEDCHOICE FEDERAL CREDIT UNION FIA CARD SERVICES, NA FIA CARD SERVICES, NATIONAL ASSOCIATION FIDELITY BANK FINANCIAL HORIZONS CREDIT UNION FIRST-CITIZENS BANK AND TRUST COMPANY FIRSTMERIT BANK, NATIONAL ASSOCIATION FIRST BANKING CENTER - BURLINGTON FIRST COMMUNITY BANK, NATIONAL ASSOCIATION FIRST COMMUNITY CREDIT UNION FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF PORT ANGELES FIRST FEDERAL SAVINGS BANK OF FLORIDA FIRST INTERSTATE BANK FIRST NATIONAL BANK FIRST NATIONAL BANK OF TENNESSEE FIRST PREMIER BANK FIRST SAVINGS BANK OF PERKASIE FIRST STATE BANK OF ST.

海岸社区与师范储蓄互助社柯林斯合作信用社哥伦布银行及信托公司Comerica银行商业股票银行，工商银行股份有限公司，国家协会为商业银行和信托银行信用社区一家银行，国家会信用联合会中央瀑布信用新泽西兑换联盟协同系统数据中心的法团DHCU合作信用社数字联邦信用合作社杜邦合作信用社的ESL联邦信用合作社埃文斯维尔消防队员联邦信用合作社费郡联邦信用合作社家庭安全信用联盟农民和商人银行FEDCHOICE联邦信用合作社国际汽联卡服务，不适用国际汽联卡服务，全国协会信诚银行信用联盟第一个财政立式服务器，国民银行和信托公司FirstMerit现有银行，第一银行中心的全国性协会-伯灵顿第一社区银行，国家协会第一社区信贷联盟第一个联邦储蓄和贷款协会第一港口洛杉矶联邦储蓄银行美国佛罗里达州第一州际银行第一国民银行第一国民银行田纳西州的首位银行第一储蓄佩卡西作者：意法半导体第一州银行。

This article tinselly explains the connotation of commercial bank" s system, describes Marxian and the new system economics, puts forwards the definition essential function and target of the commercial bank" s system on the theory Of the system and its vicissitude; Secondly, summarizes of historic analysis puts forwards the features of both system and theory for the three period in the historic vicissitude, and the instructive node of vicesitudesystem of the theory of it synthetic bank system" s vicissitude with the force of market and nation;Thirdly, illustrates the identity and difference of the commercial bank" s system through the horizontal analysis for its system; Finally , according to china" s reality , analyses the processes of the Chinese commercial bank" s system , the synthetic tendency of the vicissitude of realistic bank" s system and the reason for synthesis , puts forwards it synthetic mode of the Chinese commercial bank"s system and the specific request and content of the creation of commercial bank" s system , providing the reference for the reform of the Chinese commercial bank" s system.

本文首先阐述了商业银行制度的内涵，描述了马克思主义理论及新制度经济学关于制度及制度变迁的理论论述。提出了商业银行制度的定义、构成、基本功能与目标。其次，用历史的分析方法对商业银行制度进行了总结，论述了商业银行制度历史变迁中三个阶段的制度特征及理论特征，提出了由市场力量和国家力量共同主导下的综合银行制度变迁的理论特征及引导性制度变迁模式。再次对商业银行制度做了横向的比较分析，论述了商业银行制度的趋同性和差异性。最后根据中国的实际情况，分析了中国商业银行制度的历史变迁过程和现实银行制度变迁的综合化趋向及动因，提出了中国商业银行制度综合化的模式及商业银行制度的具体要求和内容，为中国的商业银行制度改革提供参考。

Based on reviewing the banking reform experience of Eastern European countries, we propose seven propositions on China's banking sector reform and empirically vitrify seven propositions using data from 21 banks between 1999 and 2006 ,then draw final conclusions: foreign banks entry lower the profit rate of hosting country banking industry in short-term, improve host country banking's risk management skills

本文在综述东欧国家银行业改革经验的基础上提出中国银行业改革的七个命题，并用中国24家银行1999-2006年间的数据构建模型进行检验，最后得出结论：短期内外资银行进入导致东道国银行业利润水平下降、风险管理水平上升，在中国的背景下可以认定这是外资银行积极作用开始发挥；外资银行机构数量的增加和持股比重的上升都能刺激中国银行业效率的改进，但是外资银行持股比重的影响更具普遍性；不同类型银行对外资银行进入的反应存在差异，国有商业银行反应比较迟钝而股份制和城市商业银行反应比较迅速。

Leaders at all levels over the years has been and the government and the community's concern: In 1990, by the Beijing Municipal People's Government of Agriculture and Forestry Office, the Beijing Municipal Bureau of Township Enterprises as outstanding enterprises; in 1991, the then secretary of the Beijing Municipal Comrade Li went to factory inspection and wrote an inscription for the enterprise,"science and technology enterprises"; in 1992 by Beijing Organizing Committee to assess the economic hundred as "economic hundred" enterprise; 1992 by the Beijing Municipal Administration for Industry and Commerce as "Shou contract re-credit" units; In 1993, the "core subjects" brand products by the National Science and Technology Commission, State Bureau of Technical Supervision, the State Bureau of Foreign Experts Affairs, the Ministry of Labor, Industrial and Commercial Bank of China as state-level new products, the same year was awarded the National Science and Technology Commission,"National Spark Award (Second Awards, etc.)"; in 1995 by the Ministry of Labor as" township enterprises nationwide scientific and technological progress advanced unit ", the product was" Chinese famous brand products of township enterprises "title; in 1996 to protect consumers by the Chinese Foundation awarded the" Consumer Trustworthy Product "title ; in 2000 the Beijing Municipal Bureau of Township Enterprises was awarded the "famous brand of township enterprises in Beijing key enterprises"; in 2004 to date, been continuous branch of the Agricultural Bank of China in Beijing as "AA grade credit enterprise" and other honorary titles.

多年来一直受到各级领导和政府及社会各界的关注：1990年，被北京市人民政府农林办公室、北京市乡镇企业局评为优秀企业；1991年，时任北京市委书记李锡铭同志曾到厂考察，并为企业题词&科技兴企&；1992年被北京经济百强评估组委会评为&经济百强&企业；1992年度被北京市工商行政管理局评为&重合同守信誉&单位；1993年，&科蕊&牌产品被国家科委、国家技术监督局、国家外国专家局、劳动部、中国工商银行评为国家级新产品，同年获得国家科委颁发的&国家星火奖&； 1995年被劳动部评为&全国乡镇企业科技进步先进单位&，产品获得&中国乡镇企业名牌产品&称号；1996年被中国保护消费者基金会授予&消费者信得过产品&称号；2000年被北京市乡镇企业局授予&北京市乡镇企业创名牌重点企业&；2004年至今，连续被中国农业银行北京市分行评为&AA级信用企业&等荣誉称号。

The Party of Independence resigned itself to the existence of the Dual Monarchy and sought to enhance Hungary's position within it; the Party of Forty-Eight, however, deplored the Compromise of 1867, argued that Hungary remained an Austrian colony, and pushed for formation of a Hungarian national bank and an independent customs zone.

独立党敌视二元君主国的存在，寻求增强匈牙利自身地位。四八年党认为1867年的合并对匈牙利是一场灾难，坚称匈牙利简直就是奥地利的殖民地，要求建立一个匈牙利国家银行和一个独立的关税区。

Invites international and regional organizations linked with my Office, if necessary: the United Nations, the Asia-Pacific Economic Cooperation, the Shanghai Cooperation Organization, Asia-Europe Meeting, ASEAN Regional Forum, the Group of Eight, the Greater Mekong Subregion Economic Cooperation, the Asia Cooperation dialogue, the League of Arab States, Arab Maghreb Union, the Arab Organization of Petroleum Exporting Countries, the Arab Parliamentary Union, the Andean Community, the Eastern and Southern Africa Common Market, the East African Community, the ASEAN and China, Japan, South Korea summit meeting, Association of Southeast Asian Nations East Asia - Latin America Cooperation Forum, the Organization of African Unity, the International Telecommunication Union, Bank for Reconstruction and Development, the International Maritime Organization, the International Monetary Fund, the International Finance Corporation, the International Development Association, the International Labor Organization, International Civil Aviation Organization, the Bank for International Settlements, the International Criminal Police Organization, the International Organization for Migration, the Gulf Cooperation Council, the International Committee of the Red Cross, the Indian Ocean Rim Association for Regional Cooperation, Organization of the Prohibition of Nuclear Weapons in Latin America, the Latin American Economic System Latin American Integration Association, the Latin American Parliament, the Rio Group, UNESCO, the United Nations Commission on Narcotic Drugs, UN High Commissioner for Refugees, the United Nations Commission for Social Development, the Organization of American States, Inter-American Development Bank, the Southern African Development Community, Mercosur, the South Center, South Asian Association for Regional Cooperation, the Group of 77, World Economic Forum, the World Tourism Organization, the World Trade Organization, the World Energy Council, the World Meteorological Organization, the World Health Organization, the Pacific Community, Pacific Islands Forum

请各国际和地区组织与我处联系，如果有需要：联合国，亚太经合组织，上海合作组织，亚欧会议，东盟地区论坛，八国集团，大湄公河次区域经济合作，亚洲合作对话，阿拉伯国家联盟，阿拉伯马格里布联盟，阿拉伯石油输出国组织，阿拉伯议会联盟，安第斯共同体，东部和南部非洲共同市场，东非共同体，东盟与中、日、韩领导人会议，东南亚国家联盟，东亚－拉美合作论坛，非洲统一组织，国际电信联盟，国际复兴开发银行，国际海事组织，国际货币基金组织，国际金融公司，国际开发协会，国际劳工组织，国际民航组织，国际清算银行，国际刑事警察组织，国际移民组织，海湾阿拉伯国家合作委员会，红十字国际委员会，环印度洋地区合作联盟，拉丁美洲禁止核武器组织，拉丁美洲经济体系，拉丁美洲一体化协会，拉丁美洲议会，里约集团，联合国教科文组织，联合国麻醉品委员会，联合国难民署，联合国社会发展委员会，美洲国家组织，美洲开发银行，南部非洲发展共同体，南方共同市场，南方中心，南亚区域合作联盟，七十七国集团，世界经济论坛，世界旅游组织，世界贸易组织，世界能源理事会，世界气象组织，世界卫生组织，太平洋共同体，太平洋岛国论坛

Ben is now 75 and, like Gene Abegg, 81, at Illinois National and Louie Vincenti, 73, at Wesco, continues daily to bring an almost passionately proprietary attitude to the business. This group of top managers must appear to an outsider to be an overreaction on our part to an OEO bulletin on age discrimination. While unorthodox, these relationships have been exceptionally rewarding, both financially and personally. It is a real pleasure to work with managers who enjoy coming to work each morning and, once there, instinctively and unerringly think like owners. We are associated with some of the very best.

Ben今年75岁，但与伊利诺国家银行81岁的Gene Abegg以及Wesco 73岁的Louie Vincenti一样，每天依旧为所领导的企业灌注无比的热情与活力，外界不知情的人还以为我们对于这群杰出的经理人有年龄上的特殊偏好，虽然极不寻常，但这样的关系实在是让我们受益良多，无论是在财务上或精神上都是如此，与这群&乐在其中&并以像老板一样心态每天认真经营公司的专业经理人在一起工作实在是一种享受。

As stated in their letter,their reference is the National Bank of Nigeria,Ibadan.

他们在信中说明，他们的证明人是伊巴丹的尼日利亚国家银行。

Hello, Thanks for the mail,I am Happy when i read your mail now,I will make to pay you sum of (450 Dollars) What next is that i will need your Bank Information in order to make the payment via Bank To Bank Transfer to your Bank Account, Here is the Bank details needed to make the payment. Your Full Name: Address: City: State: Zip Code: Country:=========== Bank Name: Bank Address: Iban: Bic:============== So when i you give me this information and i make the payment here is the address you are going to send the item to. Here is the shipping address: SOLA ADEAYO 15 DARLINGTON STREET,MOKOLA IBADAN OYO STATE: 23402 NIGERIA I will been waiting to read from you fast with the details needed. Thanks, Best Regard

你好 谢谢你的来函我很高兴当我读过你的信函之后我准备支付给你总共450美元不过我需要你的银行信息才能通过网上转帐把款项付到你的银行账户上下面是你必须填写的银行账户具体信息你的全名：地址：城市：省/州邮政编码：国家：==============银行名称：银行地址：国际银行帐户号码：银行在全球的唯一代码：===============当我们收到上面相关信息后我们会支付款项，下面是你寄送信息的地址：地址如下： SOLA ADEAYO 15 DARLINGTON STREET，MOKOLA 街名 IBADAN 伊巴丹 OYO STATE：州 23402 NIGERIA 尼日利亚我们会等待你的来信谢谢此致敬礼

Neither the killing of Mr Zarqawi nor any breakthrough on the political front will stop the insurgency and the fratricidal murders in their tracks.

在对危险的南部地区访问时，他斥责什叶派民兵领导人对中央集权的挑衅行为。

In fact,I've got him on the satellite mobile right now.

实际上 我们已接通卫星可视电话了