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This article is based on the reform journey of our country's countryside credit association in the recent 20 years and the cooperation system.

本文针对我国农村信用社近20多年的改革历程,根据我国合作制的基础,结合我国当前农村合作金融改革的重点和难点问题,以及合作金融发展的运行轨迹,对我国合作制的改革与现状,从农村金融体制、农村金融机构设置、农村信用社组织模式、行业管理体制、业务的多元化冲突、和法律规范等六个方面对农村信用社改革的基本思路进行了深入剖析和探索,并部分提出了相应的对策。

The characteristics of financial market and financial institution and the present situation of supervision towards "human" in our country's financial supervision imminently appeal to bring "human" factor into financial supervision areas.

金融市场和金融机构的特点,以及我国金融监管中对"人"的监管现状都迫切要求将"人"的因素纳入金融监管范畴。

In the background of deepening financial reform in China, banks, security companies, insurance companies and other financial institutions have started to joint bilaterally or multilaterally, and launched a variety of complementary advantages and innovative cooperation, and developed a batch of the financial businesses with the cross profession characteristics in common to seek for greater development.

在我国金融改革日益深化的背景下,银行、证券公司、保险公司等金融机构为寻求更大的发展,他们之间纷纷展开自下而上的双边或多边联手,开展了多样化的优势互补和创新合作,共同开发了一批具有跨行业特性的金融业务——交叉性金融业务。

This article builds a measure system of financier behavior which competence characteristics, knowledge characteristics, experience characteristics, ideological and morality quality, psychology characteristics, physiological characteristics, individual basic characteristics, leading manner are included in, and suggests the calculating formula of a measure index of financier behavior.

在以上理论分析的基础上,本文初步构建了一个以激励相容和过程监管为主要原则,纳入金融家行为的包括金融监管的法律支持系统、金融监管信息系统、职业金融家制度、金融机构的内部控制以及完善的外部市场约束机制的金融监管体系。

The importance of the run by private capital economy develops with the current and booming development, expanding to provide the new space for the business of the financial section on the other hand, on the other hand to improved the financial service level to also put forward the higher request, positive set up the financial service mechanism that run by private capital economy develop actuality choice that have become the financing institution face.

民营经济的重要性和现阶段的蓬勃发展,一方面为金融部门的业务拓展提供了新的空间,另一方面对改进金融服务水平也提出了更高要求,积极构建民营经济发展的金融服务机制已成为金融机构面临的现实选择。

The finance function is the promotion of the financial tools, institutions and the system on the economical and social development, which can be compartmentalized to several different classes.

金融功能就是金融工具、金融机构以及整个金融体系对经济社会发展所具有的推动作用,根据抽象程度的区别可以划分为不同层次。

However, the real estate industry with high-risk birth, as well as the natural contact and financial decide the real estate financial risks are bound to exist, and real estate finance business and commercial banking and other financial institutions were closely interrelated, interdependent and mutually influence each other constraints Once risks are often incriminated each other.

但房地产业先天具备的高风险性以及和金融的天然联系决定了房地产金融风险的必然存在,且房地产金融业务与商业银行等金融机构之间联系密切,相互依存、相互影响、相互制约,一旦产生风险也往往相互连累。

Syncretizing the internal management and the market restricts into the objectives of regulation, and implementing different regulation to different objects of regulation are the core of the compatible-incentive regulation.

融合金融机构的内部管理、融合市场约束、对不同的监管对象实施有差异的监管激励相容的金融监管的核心。激励的一致性和激励的公平性是激励相容的金融监管制度设计的要求。激励相容金融监管理论的应用无所不在。

By the increasing open of the emerging market economies' financial sector,more and more multinational banking institutions enter into the EMEs by the means of FDI,which effects the development of the financial market and the stability of the banking system.

随着新兴市场国家金融部门的逐步放开,越来越多的跨国金融机构以FDI的方式进入新兴市场国家,直接影响其国内的金融市场发展和金融体系稳定性。

XVI. Banking financial institutions shall timely provide institutional clients with the market information of the derivative products that have been traded, re-estimate the market value of the derivative products that have been sold to the institutional clients at least once every month, provide the re-estimation results to the institutional clients in the form of written estimation reports or risk presentation letters delivered by letter, e-mail, fax or any other recordable way, and make sure that the relevant materials are received by the institutional clients in time.

十六、银行业金融机构应及时向机构客户提供已交易的衍生产品的市场信息,至少每个月对与机构客户交易的衍生产品进行市值重估,将市值重估的结果以评估报告、风险提示函等形式通过信件、电子邮件、传真等可记录的方式向机构客户书面提供,并确保相关材料及时送达机构客户。

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