存款银行

A completely trusted third party is not necessary in our scheme. It makes the system model simpler and reinforces undeniability and anonymousness of cash-publishing bank, therefore strengthens security of whole system and anonymousness of E-Cash. The application of self-certified public key policy also can lighten the burden of verifying cash for corporation and depositing bank.

该方案不需要完全可信的第三方，系统模型更加简单；增强了发币银行的不可否认性和匿名性，从而增强了整个系统的安全性和电子现金的匿名性；同时，自证明公钥体制的应用也减轻了商家及其存款银行验证电子现金的负担。

This, the Guangzhou land tax department yesterday Xinhua News Agency correspondent in an interview that "the interest of savings deposits from individual income tax charge of the implementation" of the provisions of the savings deposit interest income only from a personal bank the State Council Industry Regulatory approval of the commercial banks, urban credit cooperatives and rural credit cooperatives, and other public deposits of financial institutions to obtain the savings deposit interest income, excluding securities companies paid to individual shareholders account for income funds, so the individual shareholders Capital account interest income levy personal income tax, does not apply "on the revisedthe decision" shall not be reduced 5% rate of taxation of personal income tax, should be "the People's Republic of individuals Income Tax Law,"the relevant provisions of Article III, 20% tax rate levied in accordance with the" interest, dividends, dividend income "personal income tax.

对此，广州地税部门昨日新华社记者在一次采访中，从个人收入的对储蓄存款利息所得的规定，执行"税务费用"的储蓄存款的利息只从个人银行，国务院业监管的批准商业银行，城市信用合作社，农村信用合作社，金融机构和其他公众存款，以获取储蓄存款利息所得，不包括企业支付给个人股东的证券资金帐户的收入，所以个人股东资本帐户的利息所得征收个人所得税，不适用"关于修改的决定"，不得减少5条个人所得税的征税％的速度，应该是"中华人民共和国个人所得税法"第三条，20％的税率征收的有关规定，按照"利息，股息，红利所得"个人所得税。

I will provide you with the contact information of this Deposit Bank, the Certificate of Deposit and the full information of this deposit on the receipt of a positive response from you.

我会为您提供联系信息的存款银行，存款证和充分的信息这笔存款就收到了积极的回应你。

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。

Through a complete cycle of raising interest rates after this week lowered interest rates for the first time, but for the time being due to the abolition of tax on bank deposits, the bank's depositors did not reduce the number of receipts, before the rate cut The one-year deposit rate of return on investment for 3.933 percent, to cut interest rates after an investment return of 3.87 percent, and 10,000 yuan a year-to-deposit interest rate reduction of only 6.30 yuan, so that the bank will cut interest rates failed to exercise any time In the stock market to the role, it may not bring immediate relief to stimulate consumption, the rentier will still be money in the bank to ease food profits.

降低首次利率，但暂时由于税银行存款，银行的存款并没有减少多少收益取消前降息的一年为3.933的百分之投资回报期存款利率，削减后的投资回报百分之3.87的利率，并万元一年来，存款利息只有6.30元，率降低，使央行将降息未能行使任何在股票市场的作用的时候，却未必会即时援助，以刺激消费，食利者仍将在银行存款，以解决粮食利润。

At present a country release of currency into circulation's channel mainly has:1st, the Central Bank buys the bank note issuing stock gol; 2nd, Central Bank purchases the reserve foreign exchange; 3rd, Central Bank purchases the national debt or gives the government to overdraw; 4th, Central Bank to each kind of Loan company provide loan, or buys up the national debt which, the Central Bank bill, the financial bond the Loan company has and so on, and provides the loan through the Loan company to the society; 5th, after Loan company deposit taking, besides deposits the Central Bank certain proportion the guaranty money for deposits or maintains certain deposit deposit, provides the loan to the society, and forms the loan delivery the multiplier effect; 6th, outside Central Bank's each kind of bank purchase national debt, enterprise bond as well as foreign exchange and so on.

目前一国货币投放的渠道主要有：1、中央银行购入发钞储备黄金；2、央行购买储备外汇；3、央行购买国债或给予政府透支；4、央行向各类贷款银行发放贷款，或者买入贷款银行持有的国债、央行票据、金融债券等，并通过贷款银行向社会发放贷款；5、贷款银行吸收存款后，除交存央行一定比例的存款保证金或保持一定的备付金存款外，向社会发放贷款，并形成贷款投放的乘数效应；6、央行外的各类银行购买国债、企业债券以及外汇等。

One viewpoint is described like this: A customer enjoys property right of his bank account funds and he enjoys the right to control the funds directly, in other words, he enjoys ownership of bank account funds. The other viewpoint is described like this: A customer has transferred his ownership of the money-capital to the bank as soon as he deposits the money-capital he owns in the bank, so the customer only enjoys credit of bank account funds.

一种观点认为：存款客户对银行帐户资金拥有物权，存款客户享有直接支配银行帐户资金的权利，也就是说，客户对银行帐户资金享有所有权；另一种观点认为：存款客户将其所有的货币资金存入银行后，即将该货币资金的所有权让渡给了银行，存款客户对银行帐户资金只享有债权。

On the basis of briefing the features of deposit products in American banking and the main problems existing in Chinese banking's deposit product design, the paper proposes the following suggestions:(1) quickening the reform of interest rate liberalization to enhance bank's autonomous operation;(2) adding product elements to balance the rights and obligations between depositors and banks;(3)differentiating transaction of funds from bank's service to improve the deposit pricing approache;(4)enriching product catalogues to provide more choices for clients;(5) changing the designing notion that lacks differentiation to pay more attention to market segmentation.

本文在简要介绍美国银行业存款产品设计特点和分析我国银行业存款产品设计存在的主要问题的基础上，提出以下改进存款产品设计的建议：加快利率市场化改革，提高银行经营自主权；增加产品构成要素，平衡双方的权利与义务；区分资金交易和银行服务，改进存款定价方式；增加产品种类，提高客户的可选择性；改变过度平均化的产品设计思想，注重对市场进行细分。

Sum of money was original 2-year fixed deposit saved in Industrial and Commercial Bank of China on Sep 09, 2003, the money was drawn out on June 08, 2006 and re-deposited into the present saving in Bank of China on june 09, 2006, the copy of original deposit sheet issued by bank is attached below.

上述第4笔存款原为2003年9月9日存入工商银行的2年期定期存款，该存款于2006年6月8日支取，并于2006年6月9日转入中国银行存为现在的存款，后附银行出具的原存单复印件。

Money and so on and so on for more than 10 years, I long to find out the bank manager, to go back to that of the more than 10 years of dust-laden存款簿, jotting down numbers as soon as e-mail to you, there is also your wife ..

等钱等了10多年，我明早就去找银行经理，去要回那本尘封了10多年的存款簿，抄下号码后就马上邮件给你，还有还有。。

I am accused of being overreligious," she said in her quiet, frank manner,"but that does not prevent me thinking the children very cruel who obstinately commit such suicide.""

客人们在卡罗利娜·埃凯家里，举止就文雅一些，因为卡罗利娜的母亲治家很严厉。

Designed by French fashion house Herm è s, this elegant uniform was manufactured in our home, Hong Kong, and was the first without a hat.

由著名品牌 Herm è s 设计，这件高贵的制服是香港本土制造，是我们第一套不配帽子的制服。