投资银行

The interest rate descends consumption level and wallet of fighting the people in general. Compound interest's rolling to increase wealth income is another way. But the person of real meeting is still a handful of men, hence the gap between rich and poor's pulling has to open more, the margin is also larger. If general citizen can't make use of wealth to create more wealths effectively, just only put in the bank, and acceptancy the super and low interest income. When in June, 2001, Legislative Yuan resolution insurance revision bill, The life insurance industry can start selling an investment linked insurance product . The advantage of this product will "investment","insurance" unite as one with" property management" knot, for the economic environment of present very much a rather big help, deserve a research..

中文摘要理财行为因应时代而产生，利率的下降打击著一般民众的消费水准及荷包，在低利率的时代，复利滚存来增加财富收入似乎是可行之道，但是真正会的人仍是少数人，於是贫富差距就拉得更开，差距也更大了，一般市民大众若是无法有效的利用财富创造更多的财富，只能放在银行，而强迫接受超低的利息收入，在西元2001年6月时，立法院决议保险修正法案，寿险业可以开始贩售投资型保险商品，此一商品的好处将「投资」、「保险」与「资产管理」结合而为一，所以投资型商品隐含著背后庞大的商机，因为对於现今的经济环境确实有著相当大的助益，值得研究

For purposes of broadening the investment channels of the asset management business of fund management companies for specific clients, protecting the legitimate rights and interests of investors and promoting the healthy development of bond market, and according to the relevant provisions of the Measures for the Administration of Bond Transactions in the National Inter-Bank Bond Market promulgated by No.

为拓宽基金管理公司特定客户资产管理业务的投资渠道，保护投资者合法权益，推动债券市场健康发展，根据《全国银行间债券市场债券交易管理办法》（中国人民银行令〔2000〕第2号发布）等有关规定，现就基金管理公司为开展特定客户资产管理业务在全国银行间债券市场开立债券账户的有关事项公告如下

It also analyses the rise of open fund to cause the affection to the present bank system and business of our country, such as the affection to the deposit structure and amount of the commercial bank, to the change of people s financial consciousness and operative idea and to the fund trusteeship and agency of the commercial bank.

分析了开放式投资基金的出现对我国现有的银行机制和银行业务产生的影响，如对商业银行存款结构和数量的影响；对人们金融意识和经营理念的影响；对商业银行基金托管和基金代理业务的影响。

Disintermediation withdrawal of funds from intermediary financial institutions, such as banks and savings and loan associations, in order to invest in instruments yielding a higher return.

非居间化：为了直接进行证券投资获取更高的收益，而从中间金融机构，如银行、储蓄银行和贷款银行中提取存款

This will also lead to reduce other related bank and non-governmental investment ,which can not be neglected ,on account of its very strong embroilment of effectivity .

直接减少的国债投资是300亿元，但由于国债投资都有很强的带动效应，由这减少的300亿元国债连带而减少的其他相关的银行投资，民间投资数量也不可小视。

"If you don't diversify, if you don't have a balanced portfolio, if you don't balance the interest between the remainderman and the income beneficiary, if you don't look at modern portfolio theory and then apply a fiduciary overlay to that, and if your investments don't perform, then you will bear responsibility," says Joanne Johnson, head of US fiduciary and wealth advisory for JPMorgan Private Bank.

摩根大通私人银行美国受托与财富咨询业务负责人乔安妮·约翰逊表示："如果你不去进行多样化投资，如果你没有一个平衡的投资组合，如果你不去平衡不动产继承人与收益受益人之间的利益，如果你不去学习现代投资组合理论，然后应用在受托资产管理外包方面，如果你的投资回报不佳，那么你将承担责任。"

In addition, CITIC Securities, Bank of Communications, China Pacific Insurance, Minsheng Bank, China Construction Bank and other financial stocks, as well as the South China vehicles (601,766 market), China Unicom, Guizhou Maotai, China Coal Energy, the country at the southern end of Xinhua, China Shipping Development, Pien Tze Huang , Is on the development of risk-funded positions are the major species.

此外，中信证券，交通银行，中国太平洋保险，民生银行，中国银行，建设银行等金融类股，以及中国南方汽车（601766市场）银行，中国联通，贵州茅台，中国中煤能源，该国在在新华南端，中国海发展，片仔癀，是在发展风险投资立场的主要品种。

Chinese officials are keen to avoid the perception that the country's foreign exchange reserves of almost $2,000bn make it a source of "dumb money" for western institutions looking for bailouts. Regulators and bankers have carefully studied Japan's experience in the 1980s, when the country's corporations went on a buying spree in the west, overextending themselves.

这类投资包括：中国投资公司持有的美国私人股本公司百仕通的股权，账面价值已亏损42%；中投对摩根士丹利的投资亏损了16%；而国开行对巴克莱银行的投资已亏损逾50%。

Business. Banks can develop the business of gathering and payment on commission ,as well as make full use of qualification of commercial banking market to provide other financial institutions to issue bond as the agents, virement , insurance agent, fund trusteeship, financing on commission, assetsmanagement, finace consultant ,investment consultation etc., and improve the earning of intermediary business .At the same time, to develop low-risk, high-yield new intermediate business varieties actively in order to greatly enhance the profitability of banks and make the business sustainable.

银行可在积极拓展代收、代付等业务的同时，充分利用商业银行市场主体资格，积极为其他金融机构提供代理发行债券、银证转帐、代理保险、基金托管、代客理财、资产管理、财务顾问、投资咨询等，提高中间业务收人，积极主动地开发低风险、高收益的中间业务新品种，以此大幅度提升银行的盈利能力，促进银行可持续发展。

Students in urban U.S. public schools are highly mobile. This quantitative study examines the impact of such mobility on school rating, a school performance measure mandated by the No Child Left Behind Act of 2002 and the Ohio Department of Education's accountability system.. Previous research is explored, and a descriptive analysis of issues pertaining to the calculatio....

本文研究应用一般化动态调整模型架构及长期追踪资料，以台湾地区民国82年至91年间设立之银行为对象，引用Blum (1999)之理论模型设立假说，分析资本管制下银行资本与风险之关系，再进而探讨影响银行资本结构决定因素，本研究获致的主要结果如下：在银行风险资产投资组合上的选择差。。。。

For a big chunk of credit-card losses; the number of filings (and thus charge-off rates) would be rising again, whether

年美国个人破产法的一个改动使得破产登记急速下降，而后引起了信用卡大规模的亏损。

Eph. 4:23 And that you be renewed in the spirit of your mind

弗四23 而在你们心思的灵里得以更新