外资银行

Based on Game theory, the price and serves competitionstrategy of the commercial bank are studied in this paper.

在目前国有商业银行进行股份制改革、上市以及我国对外资银行全面开放的背景下，运用博弈论及竞争力理论研究商业银行间信贷业务的价格及服务两方面的竞争策略及合作策略等问题具有一定的现实意义。

October 27 released by the CBRC data show that in the third quarter, state-owned, joint-stock, agricultural firms, foreign banks and other types of non-performing loans of commercial banks in both the balance of varying degrees of backlash, which is the trend of banking stocks or to produce a certain drag, and through the effects of weight at the bottom of the formation of the market.

10月27日，银监会公布的数据显示，今年第三季度，国有，股份制，农业企业，外资银行和其他类型的非表现在两个不同程度的反弹，这是平衡度商业银行贷款对银行股的趋势，或产生一定的阻力，并通过在市场形成底部的重量的影响。

Bank of East Asia, Wing Hang Bank …… a lot of foreign banks to the good reputation of the real estate business out of the hydrangea.

东亚银行，永亨银行……很多外资银行的良好信誉的房地产企业走出绣球。

But, along with other state-owned commercial bank's going on the market, in the joint stock system the bank fast development, as well as the foreign capital bank enters the Chinese market massively, the Shenzhen agriculture business is facing the more and more keen competition.

但是，随着其他国有商业银行的上市，股份制上银行的快速发展，以及外资银行的大规模进入中国市场，深圳农行正面临越来越激烈的竞争。

Where a mode of issuing the bank bills of another bank upon agency is adopted, the head offices of urban commercial banks, foreign-funded banks, urban credit cooperatives and rural credit cooperatives unions at the county level shall conclude the agency agreement with the local branch office of the principal bank and report to the head office of the principal bank or the branch office authorized by the head office for approval and effectiveness.

采取代理签发他行银行汇票方式的，城市商业银行总部、外资银行、城市信用合作社和农村信用合作社县联社与被代理行当地分支行签订代理协议，并报被代理行总行或其授权的分支行批准生效。

This paper from the actual situation has analyzed the integer status of our banking, and mostly discussed the superior and inferior of the nation owned single proprietorship bank of commerce of our country after we joined WTO, and sums up that the nation owned single proprietorship bank of commerce of our country should take reforms in the finance system, pattern of management, and strengthen the credit risk management, expand retailing positively and construct the networking bank such as positive effective countermeasure so as to compete with the foreign banks.

该项研究，从实际出发，充分论述和分析我国银行业的整体状况，通过重点论述加入WTO后，我国国有独资商业银行在竞争中具有的优、劣势分析，总结出我国国有独资商业银行作为我国银行业主体应该在金融体制改革、经营模式转换，加强信贷风险管理，积极发展零售业务，构建网络银行等方面，采取积极有效对策，同外资银行进行竞争。

As China's accession to the WTO and financial globalization, foreign-funded banks and emerging joint-stock banks with their effective incentive mechanism have snatched a large number of outstanding financial talents from China's four major state-owned commercial banks. The unprogressive incentive mechanisms of state-owned commercial banks have constrained to its deepening reform and development.

在我国加入WTO、金融全球化的形势下，外资银行和新兴股份制银行凭借其有效的激励机制大量抢夺我国四大国有商业银行的优秀金融人才，国有商业银行落后的激励约束机制已成为制约其深化改革和向前发展的瓶颈。

Furthermore, facing the fierce competition from foreign banks, how to improve the efficience issue, it's a great challenge for domestic academics.

面对外资银行的竞争，我国商业银行面临着巨大的挑战。如何改变善过去商业银行效率低下的问题，也是国内学者面临的重要课题。

It also brings forward a series of detail solutions and methods forhow to develop and sell individualise products, upgrade relationship withcustomers in order to smoothly developing private banking for Bank of China.

本文最后一章分别从改善外部金融环境和加强中国银行的产品、服务、人才及品牌建设的角度提出了中行改变自身的劣势的具体建议，并借鉴外资银行成熟经验和先进理念，提出了一系列针对私人银行客户经理如何了解客户利用信息，如何开发销售个性化产品，如何提升与客户的关系等的发展私人银行业务的具体措施、办法，以期中国银行的私人银行业务能平稳顺利的展开。

The bank cossets these top-tier clients with personal financial advisers, poshly appointed banking centers, a wide range of foreign-currency investment products and a dedicated 24-hour customer-care hotline.

此外，凭借广泛的国际网络，外资银行更容易让中国客户接触到全世界的银行服务。和许多外国大银行一样，英国的渣打银行把追求富有客户作为其中国战略的中心。

This one mode pays close attention to network credence foundation of the businessman very much.

这一模式非常关注商人的网络信用基础。

Cell morphology of bacterial ghost of Pasteurella multocida was observed by scanning electron microscopy and inactivation ratio was estimated by CFU analysi.

扫描电镜观察多杀性巴氏杆菌细菌幽灵和菌落形成单位评价遗传灭活率。