金融机构

The finance reform bill emerging from Senate Democrats takes a hard line in many respects requiring that most derivatives be traded on open exchanges where buyers can see what they are getting and sellers have adequate capital, establishing an agency to protect unwary consumers from predatory lending, and giving the government authority to wind down the activities of banks that get themselves into trouble.

出自参议院民主党人的金融改革法案提出了许多强硬主张，包括：规定大部分金融衍生品须在公开交易所内交易，以使买方能看清自己购买的东西，并确保卖方拥有充足资金；成立一家机构，负责保护轻信的消费者，使之远离掠夺性贷款；对于陷入困境的银行，授权政府逐步停止它们的活动。

Meanwhile, it brings up that during the process of transition to diversified management of commercial bank, the changing of financial regulation system and organizations of China should obey the thought which calls step by step, in order to draw regulatory authorities design system and programmers as the change of commercial bank pointedly, realize a benign circle of "bank changing-supervision" and prevent financial risk as well as encourage commercial bank to make bossiness innovation.

并提出在商业银行以渐进方式向综合经营过渡的过程中，中国金融监管制度与组织机构的变革也应遵循渐进调整、改革的思路，以促使监管部门有针对性地对商业银行的变化设计政策和监管方案，以实现"银行变革—监管"的良性循环，在鼓励商业银行业务创新的同时，防范金融风险的蔓延。

"Disintermediation: Shift of funds away from financial intermediaries(commercial banks, etc.) into Treasury bills and other securities or, Shift by large corporations away from banks to a parallel market, involving other large corporations ."

金融中介作用减弱：把资金从金融中介机构转移到国库券和其他证券方面去；或一些大公司把资金从银行转移到和其他一些大公司有关的平行市场上去。

In recent decades, cooperative financial institutions dissimilation cases occurred frequently, which caused great concern.

合作金融经历了不同的发展阶段，各国合作金融体系与机构的发展路径呈现出各不相同的特征。

The research employs three variable VAR systems and the result shows that in different regions the causality of scale and efficiency index between financial intermediation and economic growth is different because of the differentials of regional economic development. Finally, the authors suggest that the financial intermedia...

通过运用多变量VAR系统的研究表明：金融中介的规模指标和效率指标与经济增长在各地区间的因果关系不一致，这与地区间经济发展水平的差异有直接关系，中西部地区的金融中介机构为更好地促进本地区经济增长应该扩大对非国有企业的贷款。

The writer was formerly managing director of the World Bank Group and executive vice-president of the International Finance Corporation, its private

作者是世界银行集团前常务董事，国际金融公司现任执行副总裁。国际金融公司是世行集团的私人部门贷款机构。

Abstract］ To protect the interests of consumers, Australia established Financial Ombudsman Service.

摘 要］为保护金融消费者的利益，澳大利亚成立了金融服务督察机构。

Article 30 During the intervals of paying the proceeds of the entrusted property to the investment institutions, a fund depositary institution may only invest, in a way stipulated in the contract and upon the order of the trustee, the proceeds of the entrusted property in such products that have good liquidity and are readily encashed as the treasury bonds, policy financial institutions bonds or other financial products allowed by the People's Bank of China.

第三十条在向投资机构支付信托财产收益的间隔期内，资金保管机构只能按照合同约定的方式和受托机构指令，将信托财产收益投资于流动性好、变现能力强的国债、政策性金融债及中国人民银行允许投资的其他金融产品。

It's 15 hours, universal time,here is the news from the voice of american ,i'm david deforest from the VOA news center in washington.governments around the world are moving to boost the banks was more tie billion dollar beyer today.they are trying to get banks to rezoom london.and restore the stock and credit market that thread the push the world into a recession.but consider the government action we should many ,but not at all , that dasters.key stock markets in hongkong ,britain,germany and united stated gained between 4 and 10percents , a huge reversal from major loses suffers over the last week, but the key market in moxico dropped so sharply the trading was suspended.the british government has a anouncement it is partial renationalization three british banks with up to six billion dollars of taxpayer's money.president minister golden brown promises the unpresident bayer loud is it important step in foring out the frozen money market.from VOA time ravers has reported from london.you gonna both move the money again the british government wanna thirsty four billion dallors was the capital and into the royal bank scotland just less than thirty billion into loyal's tsben ach box.dunst tution is curtely really go shading emerge terms .prime minister golden brown says the stand by is do nothing with never anoption.the extrodinary retimes was financial martket seems to work .the government canos just made people ont the owe to be bufit about.

现在是格林尼治时间下午三点整，这是美国之音新闻节目。我是华盛顿新闻中心的大卫。世界各地政府今天正在积极给予银行几十亿美圆的紧急援助。他们试图让银行重新带领和开始已经停止的信贷时常，担心世界经济进入衰退。政府的协调动作鼓舞了许多企业，但并不是所有的投资者。在香港，英国，法国，德国和美国的重要股票都上升了4到10个百分点，自过去一个星期的损失中一次巨大的倒转。但是莫斯科的一个重要指数在停盘时积聚下滑。英国政府已经声明，三家部分国有化银行拥有纳税人630亿美圆。首相GB保证这次的前所未有的紧急援助对于金融市场的解冻十分重要。TOM在伦敦发回报道。又一次大胆行动以恢复金融市场，英国政府将注340亿美圆的资金在苏格兰皇家银行和只不到300亿美圆在Lloyds-TBS和HBOS，这两所机构现在正在重新谈判合作项目。首相GB说站在一边什么事不做永远不是一个选择。在现在特殊的时刻，金融时常停止工作，政府不能让人民将自己的利益推来推去。

Since the mid-1990s many countries in the region have introduced laws which criminalise money laundering, establish FIUs and provide for the reporting of suspicious transactions and high value cash transactions, the collection, analysis and dissemination of financial intelligence, the implementation within financial institutions of internal AML and combating the financing of terrorism systems, record keeping,'know your customer' and customer due diligence requirements.

在其后的15年间，也展开了很多其他行动，包括：埃格蒙特金融情报机构（Egmont Group of Financial Intelligence Units）、沃尔夫斯堡集团、由国际清算银行成立的「银行业务监督巴塞尔委员会」就AML而进行的工作、欧洲委员会就清洗黑钱而制订的三项指示及成立与FATF类似的地区性机构网络，例如亚洲太平洋反清洗黑钱组织，而其他的还有在欧亚大陆、南美洲、南非洲、北非洲、中东及加勒比地区的类似机构。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。