投资银行

I had the solidelementary knowledge, the system have grasped the negotiablesecurities investment study, the money market study, the economic, theinternational finance, the Central Bank service, the commercial bankand the business management, the management study, financial controland accounting theory knowledge and so on the market marketing study,could skilled operate the Office office software, attained thestandard spoken Chinese two levels of first-class certificates, passedthe English four levels of tests, simultaneously, I also widely readthe massive books in 课余时间, not only enriched own, moreoveralso has raised own various skill, more importantly, The rigorousschool tradition and the straight study manner molded I simple, wassteady, the innovation, the disposition characteristic to thecommunication, has genially borne hardships and stood hard work, theearnest responsible work characteristic.

我具有扎实的基础知识，系统的掌握了证券投资学，金融市场学、经济学、国际金融、中央银行业务、商业银行与业务管理、市场营销学、管理学、财务管理和会计学等理论知识，能熟练操作Office办公软件，获普通话二级甲等证书，通过了英语四级考试，同时，我还在课余时间广泛阅读了大量的书籍，不但充实了自己，而且也培养了自己多方面的技能，更重要的是，严谨的学风和端正的学习态度塑造了我朴实、稳重、创新、的性格特点和善于沟通、吃苦耐劳、认真负责的工作特点。

Subsequently, the paper indicated how the incompliant lending came from the bank and company sides, and summarized several common incompliant patterns based on personal experiences. Those patterns are as follows: firstly,"used shell to give birth to eggs"by the medium and small developer; secondly,"unified distribution"by large developer; thirdly,"do in the darkness"used in hyper-investment or roll development by developer. The paper summarized the characteristic and fund operation process for each mode, and analyzed the influence and risk of incompliant lending loan to both banks and real estate markets.

接着，从银行及企业两方面阐述房地产违规信贷的成因，并凭借个人实务经验总结出几种常见的违规信贷模式，一是中小型房地产商采用的借壳生蛋型，二是大型房地产商采用的统一调配型，三是在项目超投资或滚动开发时采用的暗渡陈仓型，对每一种模式归纳了特点及资金流转过程，并分析了违规信贷对银行和房地产市场的风险。

Wenzhou So when the surplus funds to invest in not only local and only bank deposits, the influx of a place on the disrupted eyes that stare only at the local consumption and investment capacity of the government, was severely hit the head of a wand After the government began to abandon the market economy, competition and capital flows, the basic principles, attempting to use a variety of fallacies, and various non-market administrative means Road erected firewalls, panic in the foreign capital inflow, will market any change Incrimination Wenzhou People in the real estate, rather than a review of the government's forecast of the market and management capabilities.

因此，当温州的盈余资金投资不仅当地，只有银行存款，流入地的破坏眼睛凝视只能在当地消费和投资能力的政府，是严重打击头部的魔杖后政府开始放弃市场经济，竞争和资本流动的基本原则，企图用各种歪理邪说，各种非市场的行政手段道架设防火墙，恐慌的外国资本流入，将市场的任何变化归罪温州人在房地产，而不是审查政府的预测，市场和管理能力。

There are two reasons for such a relation: one of reasons is the stimulating from getting benefit of investment is higher than from interest on deposit. The another one is that the interest rate adjusting down means loosen the supply of money. Just because of the large short wander capital flowing into stock market led the index number going up.

这中间可以观察到的原因主要有两个：证券投资的收益率高于银行存款利率是吸引投资者进行证券投资的因素之一；第二利率的调低也意味着银根的放松，通过游资释放的刺激，使大量的资金进入证券市场，从而形成一轮新的上升行情。

These include the Multilateral Investment Guarantee Agency of the World Bank, the international Bank for Reconstruction and Development; The International Finance Corporation which funds mostly private sector activities; and the International Development Association.

另外，免费汇出资本，利润和股息是政府额外的奖励，并且世界银行现已通过几个机构提供金融服务，这些机构包括：多边投资担保机构，国际复兴和开发银行；国际金融公司资金(主要给私营企业提供资金)和国际发展协会。

After more than a year of deliberation, the World Bank Group International Finance Corporation IFC and Shanghai's largest real estate finance and information services business - Anjia Group recently announced by the Group of 200 Anjia million in equity investment, IFC completed a real estate mortgage industry in China's first strategic investment.

经过一年多的酝酿，世界银行集团国际金融公司国际金融公司和上海最大的房地产金融和信息服务企业-安家集团最近宣布的安家集团的200万美元的股本投资，国际金融公司完成房地产抵押贷款业的中国的第一个战略投资。

Bank's business model is very good, which he has focused on the reasons for the investment bank.

银行的商业模式非常好，这是他一直专注于银行投资的原因。

In charge of the general office of Hangzhou Municipal Government , Municipal Development and Reform Committee, State-owned Assets Administration Committee, Local Taxation Bureau, Police Station, Justice Bureau, Supervision Bureau, Bureau Of Personnel , Audit Bureau, Statistics Bureau, Price Bureau, Information Office, Office Of Legislative Affairs, Municipal Bureau for letters and calls , Municipal Administration Service Centre, Finance Office, Hangzhou Economy Planning Bureau, Hangzhou Bank, Hangzhou United Bank, Hangzhou Industry and Commerce Trust Company and Hangzhou Investment Holding Company.

分管市政府办公厅，市发改委、国资委、地税局、公安局、司法局、监察局、人事局、审计局、统计局、物价局、信息办、法制办、信访局，市机关事务局，市行政服务中心（公共资源交易管委会办公室）、金融办、市经济规划院，杭州银行、杭州联合银行、杭州工商信托公司、市投资控股公司。

So obviously holding liquidity provides an option for the shareholders of the bank,and such option is valuable.But its value was not referred in Keynes\'s Liquidity Preference Theory.(2) When the bank holds liquidity assets,it can catch the opportunity in the future to earn more yields.

显然，商业银行的流动性给予股东一种选择权，并且这种选择权是有价值的，但这种价值在凯恩斯的流动性偏好理论中没有提及；另一方面，持有流动性可以让商业银行在未来抓住投资机会，这是投机动机带来的收益。

Banking: 1 People familiar with the situation said CSRC and CBRC are working on pilot test of allowing listed banks to trade bond in exchanges. 2 Overseas: CBRC will support any of the country's banks that decide to pursue investment abroad, said CBRC Chairman Liu Mingkang.

知情人士透露，证监会与银监会正在试点，允许上市银行进入交易所债市。2）海外：银监会主席刘明康表示，银监会将支持国内银行进行海外投资。

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