银行

From the point of practice and dvelopment, how to impove the ability of credit risk management for Yinchuan city commercial bank is discussed surrounding the client raiting and credit extention, measures of credit risk, management strategies of credit risk, conclusions of the paper are listed as the following:Through positive analysis, the current methods of client rating and credit extension is simple and convenient for application, there are four disadvantages in index system of it: non-customer subdivision, non-consideration factors on industrial risks, larger quantitative indicators ratio, non-consideration factors on affiliated enterprise risk, and some corrective measures are put forward to solve it, customer subdivision, factors-added on industrial risks, set stationarity indices ratio in reason, factors-added on affiliated enterprise risk; From the point of development, Based on the technology of Value-at-Risk and CreditMetrics model we discussed the methods of credit risk analysis and measurement and gave the example of how to calculate the VaR value of individual loan and combined loan; This paper probes into the strategies which raise the ability of credit risk management for Yinchuan city commercial bank from five aspects, including strengthen the inner control, improve the technique level of risk management through information technique, solve the problem of non-performing loan, adjust the credit orientation and structure, foster credit culture with its core based on risk control.

从实践和发展的角度出发，围绕客户评级授信、信贷风险测量、信贷风险管理策略三个方面，就如何提高银川市商业银行信贷风险管理水平展开研究，得出以下结论：通过实证分析，银川市商业银行现有的客户评级授信方法具有方法简单、易于推广的优点，但客户评级授信指标体系具有客户分组不细、未考虑行业风险因素、定量指标占比过大、未考虑关联企业风险因素的缺点，应通过细化客户分组，增加行业风险因素指标、合理设定定性指标比重、增加关联企业风险评价指标等措施进行改进；从发展的角度出发，在基于VaR框架和CreditMetrics模型技术的基础上，探讨了银川市商业银行信贷风险分析和度量的方法，给出了采用CreditMetrics模型技术计算单笔贷款、组合贷款VAR值的例子；从五个角度探讨了提高银川市商业银行信贷风险管理能力的策略和手段，包括强化信贷风险内控管理机制、利用信息技术提高信贷风险管理技术水平、综合治理化解不良资产、调整信贷结构、建立以风险控制为核心的信贷文化等对策。

I consent to the disclosure by Citibank Singapore Ltd to the Transferee Bank or any other person of any and all information relating to me, the Account, the provision of any banking services and/or products to me from time to time in connection with any of the Citibank Accounts, Related Agreements and Specified Security and any other security, guarantee and assurance given for the purpose of securing my obligations and/or for securing the obligations of any other person or persons and any other information whatsoever which may be required in connection with the Transfer; and

本人同意由花旗银行新加坡有限公司就任何花旗银行帐户、相关协议、指定担保及任何其他为担保本人与/或任何其他人士义务所给予之担保、保证与保险随时释予受让银行或任何人士任何并所有本人、帐户、任何银行服务条款与/或产品相关资料及进行转移可能所需之任何其他资讯；并

The agency disbursement by transfer is an efficient, safe and expedient mode, and it is not necessary for the depositor to periodically go to the charging units or banks to disburse expenses but simply deposit adequate money into his/her demand account or Peony quasi credit card before the disbursement date, and if needing to know whether the expenses have been disbursed, he/she can go to the nearest ICBC savings office to print the deposit book, or inquire it through ICBC telephone banking.

这种转账代缴费方式高效、安全、快捷，储户不用定期到缴费部门或银行缴费，只须于缴费日前在其活期账户或牡丹信用卡存足缴费的金额便可自动缴费，若需知是否已缴费，可到附近的工商银行储蓄网点登折，也可通过工商银行电话银行查询。

The agency disbursement by transfer is an efficient, safe and expedient mode, and it is not necessary for the depositor to periodically go to the charging units or banks to disburse expenses but simply deposit adequate money into his/her demand account or Peony quasi credit card before the disbursement date, and if needing to know whether the expenses have been disbursed, he/she can go to the nearest ICBC savings office to print the deposit book, or inquire it through ICBC telephone banking.

这种转账代缴费方式高效、安全、快捷，储户不用定期到缴费部门或银行交费，只须于缴费日前在其活期账户或牡丹信用卡存足缴费的金额便可自动缴费，若需知是否已缴费，可到附近的工商银行储蓄网点登折，也可通过工商银行电话银行查询。

OCBC is set to overtake United Overseas Bank as Singapore's second-biggest bank after completion of its $1.5 billion purchase of ING's Asia private banking unit by the end of the year.

该银行在本年末完成15亿美元收购ING的亚洲私人银行业务后，将赶超大华银行，成为新加坡第二大银行。

In the first section, we analyze the effect of allocation of credit screening power on the bank"s performance, and find that the bank"s allocation of credit screening power has no significant effect upon its performance.

第一节，文章实证分析了银行信贷审批权的配置对银行经营绩效的影响，以大银行为分析样本，发现银行信贷审批权配置对其经营绩效并没有显著影响。

Students in urban U.S. public schools are highly mobile. This quantitative study examines the impact of such mobility on school rating, a school performance measure mandated by the No Child Left Behind Act of 2002 and the Ohio Department of Education's accountability system.. Previous research is explored, and a descriptive analysis of issues pertaining to the calculatio....

本文研究应用一般化动态调整模型架构及长期追踪资料，以台湾地区民国82年至91年间设立之银行为对象，引用Blum (1999)之理论模型设立假说，分析资本管制下银行资本与风险之关系，再进而探讨影响银行资本结构决定因素，本研究获致的主要结果如下：在银行风险资产投资组合上的选择差。。。。

There is also a category of banks that were the worst hit in the crisis Royal Bank of Scotland and Lloyds TSB in the UK, Citigroup in the US and Germany's Commerzbank that face a long haul back to anything like normality.

还有一类受此次危机打击最严重的银行，它们需要很长一段时间，才能回归常态。例如英国的苏格兰皇家银行、劳埃德TSB银行以及美国的花旗集团和德国的德国商业银行。

China commercial banks shall take initiatives in reengineering and strategic transformation of their retail banking based on keen business sense and strategic eyesight to achieve a sustained and healthy development.

中国的商业银行需以敏锐的商业触角和超前的战略眼光，进行零售银行战略转型并实施银行再造；在战略转型中，中国的商业银行需强化核心竞争力的塑造，从而走上持续健康发展之路。

Its decision to split itself into its original components, a bank and an insurance company, comes against the background of growing international political and commercial enthusiasm to see large banks broken up, so that they can no longer be considered too big to fail.

该银行决定拆分成原来的结构，一个银行和一个保险公司，这与国际社会见证大型银行破产而产生的政治和商业热情不同。拆分之后，就不会觉得这个银行太大，绝对不能倒闭。

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。