银行

The two biggest, Santander and BBVA, have beaten international competitors, partly thanks, if Spain's supervisors are to be believed, to good regulation. The bail-out on March 29th of a small savings bank, Caja Castilla La Mancha, could change that perception.

最大的两家银行，桑坦德银行和西班牙对外银行击败了它们的国际竞争者们，这要部分归功于良好的监管——如果西班牙监管者是可以信任的话。3月29日的针对一家小型储蓄银行Caja Castilla La Mancha的救援行动可能会改变这种认识。

Presently, with the further reform of Commercial Banks in China, the management about the value of bank has taken a very important part, and our National Commercial Banks pay more attention to build value-based management system, to suit cotemporary financial development level and direction, and it will have significant meanings."Finance is the vitals of economy".

当前，随着我国商业银行改革的深入，银行价值管理被提到非常重要的位置，探索如何建立一套既适应我国金融业当前发展水平，又符合现代金融业发展方向，具有现实可操作性的银行价值管理体系，成为了国内商业银行共同关注的重要问题。

The holder of a crossed check cannot encash it at the drawee bank and must either deposit it in the drawee bank crediting his account or have the drawee bank pay the sum to another bank crediting his account through the local clearing.

划线支票的持票人不能在付款银行凭支票取现，而必须将支票存入付款银行贷记其账户或由付款银行通过当地票据清算将票款付给另一家银行贷记其账户。

In the background of the economic circumstance, the paper gathered mass data from various literatures as its investigation materials. Comparing with foreign intermediary business, it attempts to exposit the development pattern and profit way of the intermediary business in our country. Moreover it deeply investigates the innovation mode and assortments to promote the development of intermediary business in China, and extends its profit direction.

本文在此背景下通过从各种文献获得的大量数据作为研究基础，与国外商业银行中间业务的发展进行比照，揭示出我国商业银行中间业务的发展模式和盈利方式，并对我国中间业务的创新模式和创新品种进行了较深入的探讨，意在促进我国商业银行中间业务的发展，拓展我国商业银行中间业务的赢利渠道。

It also brings forward a series of detail solutions and methods forhow to develop and sell individualise products, upgrade relationship withcustomers in order to smoothly developing private banking for Bank of China.

本文最后一章分别从改善外部金融环境和加强中国银行的产品、服务、人才及品牌建设的角度提出了中行改变自身的劣势的具体建议，并借鉴外资银行成熟经验和先进理念，提出了一系列针对私人银行客户经理如何了解客户利用信息，如何开发销售个性化产品，如何提升与客户的关系等的发展私人银行业务的具体措施、办法，以期中国银行的私人银行业务能平稳顺利的展开。

Mainly introduce the concept, origin, developing cause of assets securilization, developing history of securilization in the countries and areas such as U. S. A., British, Australia, Japan, Hongkong, ect. Part three, includes Chapter four, five, six, and seven. Mainly study the effect to the development of our country's economy by carrying out banking assets securitization, the actuality of banks in our country, imminency and realistic meaning to carry out assets securitization, and talk about the feasibility of take housing mortgage loan as a cut-in point and reference meaning of dealing with bad assets of banks; the design of carrying out housing mortgage loan at present moment, and the feasibility, difficulties and problem of making experiment of bad assets securitization, the study of relevant policy such as law system, revenue system, finance system, supervising principle and so on, which needs to be studied and resolved in making experiment of banking assets securitization; all kinds of risks, risks estimate and providing measures needed in.

主要研究实施资产证券化对我国经济发展的影响，主要从银行资产证券化入手，研究我国银行的现状，进行资产证券化的迫切性和现实意义，探讨了我国从住房抵押贷款作为切入点的可行性以及对处理银行不良资产的借鉴意义；现阶段我国实施住房抵押贷款证券化的方案设计，以及进行不良资产证券化试点的可行性、难点和需要解决的问题；近期我国进行银行资产证券化试点需要研究和解决的法律制度、税收制度、财会制度、监管原则等配套政策研究；资产证券化面临的各类风险、风险评价和需要采取的防范措施。

This paper first under the new situation and state-owed commercial banks internal control deficiencies in elaborate,reveals state-owed commercial bank controlled by the status que,then the impack State-owed commercial banks within the control of the main factors of the last corresponding effective solution.

本文首先对新形势下加强和完善国有商业银行内部控制制度建设的必要性进行分析，接着对国有商业银行内部控制的不足方面进行阐述，揭示国有商业银行内部控制的现状，然后对影响国有商业银行内部控制的主要因素进行分析，最后提出相应的有效的解决对策。

The deep causes of the infectiveness of Chinese risk control lie in the insufficient recognition of the problem, in the inadequacy of the system, as well as in the lack of advanced management techniques. It is suggested in the thesis that a dynamic and synthetic approach be adopted in developing Chinese risk control.

本论文将从分析中国商业银行的风险管理现状入手，并从银行内部控制、外部监管、银行风险管理技术三方面着重指出我国商业银行在风险管理方面存在的问题和不足，针对存在的问题，提出了切实可行的对策。

This text tries to set up a theoretical analyze system—""the economics essence of anti-money laundering—cost and benefit — the institutional choice"", in which money launderer, the bank, and the government supervisor are considered jointly, especially focusing on analyzing the model of anti-money laundering of banking.

运用博弈论方法对银行业中监管机构、商业银行、洗钱者在监管与被监管，进入银行系统与拒绝进入的策略选择和行动方案进行了分析。洗钱和反洗钱是一个重复的不完全信息动态博弈，这一分析主要由两部分组成：洗钱者进入银行系统的博弈；监管机构和商业银行监管与被监管时的博弈。

In electronic payment system, it is more suitable to introduce the distributed electronic bank scheme in networks environment. However, in current scheme, the users obtain their cards issued by the bank in which they have opened their accounts and withdraw and store their e-coin at the bank. Due to limits of current network neckbottle and security, dispersed and mobile users in different areas, there are some defects in a practical monadic account e-bank scheme.

摘要在电子支付系统中，采用分布式电子银行方案更适合于网络运行环境，然而在现行的分布式电子银行方案中，每个用户局限在所开帐户的电子银行取得签发的Smart Card和提取或存储电子货币，由于网络的瓶颈作用和安全缺陷，以及用户所处地域的分散性和流动性等因素的限制、使得单一开户的银行方案在实际应用中其分布式特性并未充分得以发挥。

Do you know, i need you to come back

你知道吗，我需要你回来

Yang yinshu、Wang xiangsheng、Li decang,The first discovery of haemaphysalis conicinna.

1〕 杨银书，王祥生，李德昌。安徽省首次发现嗜群血蜱。