银行

These reasons include: the game between investors and investment bank is non-repeated, the trigger strategy is lack of feasibility and creditability, and the third-party enforcement mechanism is noneffective.

本文同时利用我国股票发行市场1996-2004年的IPO数据对投资银行声誉形成机制的有效性进行了实证检验，检验结果表明投资银行有损投资者利益的行为并未对投资银行的市场份额产生显著负面影响，而其他一些具有中国特色的因素却对投资银行市场份额有着显著影响。

The main content include:Firstly, main five risks of overseas personal real estate loans;Secondly, the main two theories and main measures of the foreign commercial banks on dodge the risk of housing mortgage loan, emphasizing the foreign running mode of personal real estate loans, for example, research, loan management and risk management;Thirdly, the research on the risk pre-warning system of the foreign commercial banks on dodge the risk of housing mortgage loan and experiences of their successful dodge and control of risks.

主要内容有，一是我国个人住房贷款面临的主要风险(系统性风险和非系统性风险)，重点分析各种非系统性风险：来自开发商的风险(①虚假按揭，骗取银行贷款、②多种原因造成楼盘烂尾、虚假广告、③承诺落空造成的风险)，(2)来自项目的风险(①项目存在合法性瑕疵，形成风险、②项目市场前景黯淡造成的银行风险、③房屋品质恶劣或有缺陷造成银行风险)，(3)来自借款人的风险(①借款人能力风险、②借款人恶性违约)，(4)来自抵押物的风险，(5)来自中介合作机构的风险，(6)来自银行自身的风险。

When,招商 the bank the on-line bank security greatly strengthened, the on-line bank registers the password and the on-line shopping hypothesized account, the use certificate registers still must input the on-line bank password, and uses each payment, the extension account, the remittance function when registering requests the input to draw money the password.

此外，招商银行的网上银行安全性极强，网上银行的登录密码和网上购物的虚拟账户，使用证书登录时仍需输入网上银行密码，并且在登录后使用各项支付、转账、汇款功能时则要求输入取款密码。

The system reduces many otiose datum which operated by human, makes them do their own work by network, this increases consumedly the work efficiency of the internal personnel in bank, it will reduces much burden, and improves the bank workflow operation's efficiency and security ,It can also suply the customers more satisfying services, which improve the competition of our own bank.

本系统减少了许多不必要的人工处理数据的过程，使工作人员通过网络只在自己的工作职责内进行操作，这大大减轻银行工作人员的工作负担，提高了银行贷款业务的效率和贷款流程的安全性，为银行客户提供更满意的服务，从而提高了银行的竞争力。

The system reduces many otiose datum which operated by human, makes them do their own work by network, this increases consumedly the work efficiency of the internal personnel in bank, it will reduces much burden, and improves the bank workflow operations efficiency and security ,It can also suply the customers more satisfying services, which improve the competition of our own bank.

本系统减少了许多不必要的人工处理数据的过程，使工作人员通过网络只在自己的工作职责内进行操作，这大大减轻银行工作人员的工作负担，提高了银行贷款业务的效率和贷款流程的安全性，为银行客户提供更满意的服务，从而提高了银行的竞争力。

But in our insiders control transitional economy, because the shares of the companies with higher information asymmetry are overpriced, the possibility to use long term bank debt is low while if companies of this kind import long tern bank debt, the information asymmetry can be reduced. The benefit of monitoring exceeds the cost so that the corporate governance can be improved which will bring better corporate performance; shares of companies with lower information asymmetry do not get much overprice, the possibility of using long term bank debt of this kind of companies is higher while the benefit is smaller than the cost.

但在我国的内部人控制的转型经济中，信息不对称程度高的公司由于股票在公开市场的溢价程度高，引入长期银行借款的可能性反而小，其实这种类型的公司如果引入银行债务的监督，则会减轻信息不对称程度，债务的监督收益将大于债务的成本，从而带来公司治理结构的改善，最终将带来公司绩效的提升；信息不对称程度低的公司由于其股票在公开市场的溢价程度比信息不对称程度高的公司低，反而更有可能引入长期银行借款，但这种类型的公司引入长期银行借款的成本大于收益，将会导致业绩的降低。

Firstly, the paper analyses present position of our country's investment banking innovation, opportunity and challenge.

文章首先分析了目前我国投资银行业务创新的形势、面临的机会与挑战，接着总结投资银行产品创新的国际经验，分析了主要投资银行新产品的特点，并介绍了模仿法、组合法和创新法等三种产品创新方法，第三部分从产品创新、管理创新和组织创新等三个方面讨论了如何塑造投资银行核心竞争力的问题。

Firstly, the paper analyses present position of our countrys investment banking innovation, opportunity and challenge.

文章首先分析了目前我国投资银行业务创新的形势、面临的机会与挑战，接着总结投资银行产品创新的国际经验，分析了主要投资银行新产品的特点，并介绍了模仿法、组合法和创新法等三种产品创新方法，第三部分从产品创新、管理创新和组织创新等三个方面讨论了如何塑造投资银行核心竞争力的问题。

But the worry is that some banks, keen to rein in borrowing, are pouncing on purely technical breaches of banking covenants that have little to do with the underlying creditworthiness of the companies they have lent money to.

这种担心是一些热衷于贷款的银行抓住纯技术上的银行背书的违约进行攻击，其实这种银行背书与银行贷款给这些公司的潜在的商誉毫无关系。

The company as a third-party groups have been replaced by Beizhixingren Fourth Ring Fourth Ring medicine, pay off in batches Fourth Ring Sihuan Pharmaceutical Group, as well as outstanding business department head of the Agricultural Bank, Industrial and Commercial Bank Fangshan Beijing Branch, Bank of Beijing Haidian Branch, Bank of China Beijing Branch Zhichun, the Construction Bank of Beijing Haidian Branch principal of the loan total of 200,000,000 yuan and interest.

作为第三方组已被取代Beizhixingren四环四环医药，分批还清四环四环药业集团，以及杰出的业务农业银行，工商部门总公司房山银行北京分行，北京海淀分行，中国北京分公司海淀区知春路，北京海淀分会20000.000万元及利息的贷款本金总额建设银行银行。

I am accused of being overreligious," she said in her quiet, frank manner,"but that does not prevent me thinking the children very cruel who obstinately commit such suicide.""

客人们在卡罗利娜·埃凯家里，举止就文雅一些，因为卡罗利娜的母亲治家很严厉。

Designed by French fashion house Herm è s, this elegant uniform was manufactured in our home, Hong Kong, and was the first without a hat.

由著名品牌 Herm è s 设计，这件高贵的制服是香港本土制造，是我们第一套不配帽子的制服。