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金融机构

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To prevent and treat financial crises involves a timely and effective handling of problem financial institutions, conservatorship being one of the main alternatives internationally.

预防、治理金融危机需要及时有效地处理问题金融机构,接管已经成为国际上处理问题金融机构的主要方式之一。

The Rural Finance Group produces material to help extension staff and other community advisers to improve client level support and enhance people's money management skills.

农村金融工作组也通过发布调查报告的形式向金融机构提供咨询和指导,例如在农业贷款、农业贷款的资金来源、存款的维护、存货贷款及农村贷款抵押方面为金融机构提供最佳的实践案例。

Risk is the inherency of finance system and finance activity.

风险是金融体系和金融活动的基本属性之一,风险管理活动是各类金融机构所从事的全部业务和管理活动中最核心的内容。20世纪90年代中期以长期资产管理公司为代表的微观金融风险事件和以墨西哥金融危机、亚洲金融危机为代表的宏观经济现象,引起了人们对金融风险的普遍关注,以及在微观层面上对金融安全运行的深刻反思。

In order to survive and keep their position, commercial banks, especially those leaders develop various financial products by innovation to evade existing regulations and inroad to other sectors such as insurance, security, and others.

投资模式的改变使得金融体系中金融机构的结构发生了很大的变化,非银行金融机构(如保险公司、共同基金、投资公司、养老基金、风险投资基金、套利基金等)发展迅速,传统商业银行受到严重挑战,陷入发展的困境。

Leading financial institutions in Shanghai, the current round of high-level rotation with Shanghai International Group and the Shanghai State-owned Asset Management Limited as at the beginning of the reorganization of assets, involving the Shanghai International Group, Shanghai Pudong Development Bank, Shanghai Bank, the country voted , Aijian shares, China UnionPay and other financial institutions, as well as the Shanghai Financial Office, the People's Bank of Shanghai Headquarters, the China Banking Regulatory Commission and other functional departments.

上海市主要金融机构的本轮高层换防以上海国际集团与上海国有资产经营有限公司进行资产重组为伊始,涉及上海国际集团、浦发银行、上海银行、上国投、爱建股份、中国银联等金融机构,以及上海市金融办、人民银行上海总部、银监会等职能部门。

Secondly, based on the theoretical and empirical analysis stated above, shows the existing problems and their causes in financial support to rural economic development, the rural financial organizations exist limited and function is not sound , As the result, rural capitals are flowing into urban cities and developed areas through various channels, the scatteration and devolution of mechanism for finance risk is scare, and then puts forward the innovative mode and innovative way of the rural financial system in Xinjiang, therefore, it is of urgent need to perfect our rural finance system with the co-existing institutions of commercial finance, policy finance , cooperative finance and other financial institutions, live up a pluralistic, competitive and sustainable development of rural financial system, perfect the rural financial ecological environment, so as to promote rural economy growth in Xinjiang.

在此基础上,剖析新疆农村金融体系的症结所在,主要表现为农村金融组织不完善且功能不健全,金融风险分散与转移机制缺失,农村资金严重外流。进而提出新疆农村金融体系的创新模式与路径,建立真正意义上的商业金融、政策性金融、合作金融和其他金融机构并存、充分竞争与合作、可持续发展的农村金融体系,优化农村金融生态环境,以此促进新疆农村经济增长。

Problems of depositor confidence and of financial institution,s asset-selection,which are caused by the unsymmetry of information,make financial institutions instable inherently. This instability may lead to risks,and financial crisis at its worst.

本文认为,信息不对称所导致的储户信心以及金融机构资产选择中的内在问题使得金融中介机构具有内在脆弱性或不稳定性,从而使得金融风险不断产生和积累,并最终可能引发金融危机。

In the case that make thunderbolt, the court regards the ATM as when financial orgnaization, did not regard the ATM as actually financial orgnaization is used at trading equipment (although first instance judgment is stated,be " automatic ATM is the tool that the bank provides client self-help finance to serve external ", but judgment did not state this correct ground to carry out go down), regard as however monetary memory ark and become larcenous target.

许霆案中,法院将柜员机当作金融机构时,实际上并未将柜员机当作金融机构用于交易的设备(尽管一审判决书表述为&自动柜员机是银行对外提供客户自助金融服务的工具&,但判决书并未将此表述正确地贯彻下去),而是当作货币存储柜而成为盗窃对象。

Nest,according to the economical and financial influence of the crisis,connecting the situation of our natioal economical system,and following other countries' resolution to the financial,there came out five measures to idealise our financial system:first,to arrange the macroscopical financial adjust and control means;secondly,to lead the financial orgniation to the right choices;thirdly,to strenghten the financial supervise system;forthly,to build the stable financial marcket system;fifthly,to create an safe financial environment,to offset the frail part of the financial system,and respond actively to the threat of the American loan crisis.

然后根据次贷危机对经济及金融体系的影响、结合我国金融体系的现状、借鉴他国对金融体系的改革措施,得出了完善我国金融体系的五方面对策:第一,整合宏观金融调控手段;第二,引导金融机构对金融创新的正确选择;第三,健全金融监管体系;第四,建立稳定的金融市场体系;第五,营造安全的金融环境,以此为金融体系的脆弱部分添砖补瓦,积极应对美国次贷危机的威胁。关键词:美国次贷危机,金融体系,金融改革,经济发展

Decentralizing and avoiding risks is not only management principles of financial institutions, but also important content of financial supervision, but financial supervision practice currently in our country don't open out effectively risk information of financial institutions, and delay the timing of avoiding risks.

分散和避免风险既是金融机构经营的原则,也是金融监管的重要内容。而我国当前金融监管实践中并不能对金融机构的风险信息进行有效揭示,延误了消除风险的时机。

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