银行

It analyze the risks completely, describe the definition of operational risk, the system of operational risk, the character of operational risk, the measure methods of operational risk and the capital management frame etc. Whereas the important meaning of New Basel record at risk controlling, the paper analyze the management request on operational risk in depth and draw the conclusion that our bank has obstacle in two aspect.

本文以我国商业银行操作风险管理为题，在理论回顾部分运用理论分析、定性分析、定量研究、归纳演绎等方法，对商业银行操作风险管理相关理论进行了综述，从风险的界定、商业银行风险的分类出发，具体阐述了操作风险的定义、分类、特征、度量方法及管理框架的建立。

Persons involved from People's Bank of China say that the mode of waiting for windfalls which formed during the capital-lack period is outdate, and the banks should build a new client-centered strategic relationship between banks and enterprises.

中国人民银行杭州中心支行有关人士认为，银行在资本短缺时代形成的守株待兔式经营模式已经过时，在构建新型银企关系方面，银行必须考虑构建以客户为中心的新型战略关系。

First, as a result of the first phase of real estate business through a bank loan is obtained, then it will be the original land and premises mortgaged to the bank, a pawn shop if it was the second tranche of credit, have arrived to the bank to land and property also pledge to the pawn line, so there will be "more than one married woman" phenomenon, which is obviously illegal.

首先，由于第一阶段的房地产企业通过银行贷款获得，那么这将是原来的土地和楼宇抵押给银行，一间当铺如果是第二期贷款，已经抵达的银行对土地和财产还保证了典当行，因此将是"一个以上的已婚妇女"的现象，这显然是非法的。

In receiving and handling items for deposit or collection, this Bank or its correspondents may, as its customer' s agent, accept the draft or credit of any bank or any drawee, accept or payor in lieu of cash.

在接受或处理存款或承兑项目时，本银行或其代理银行可作为其顾客的代理人，将任何银行或任何支付人、承兑人或付款人的汇票或信贷当做现金接收。

When the real estate market continue to expand and, in the eyes of the bank, whether it is real estate loans or personal housing mortgage loans, banks are the best and most profitable assets, the banks naturally want to give up.

当房地产市场继续扩大，并在心目中的银行，无论是房地产贷款和个人住房按揭贷款，银行是最好的和最有利可图的资产，银行自然想放弃。

Capital ratios at Greek banks are high, enabling further acquisitions in the surrounding region: Piraeus Bank submitted an offer to buy Kreditprom, a Ukrainian bank, last month.

在希腊银行的资本比率高，有利于在周边地区的进一步收购：在上个月，比雷埃夫斯银行提交了一份报告，打算购买乌克兰的一家银行： kreditprom 。

At present, Zhao organized and the management Chinese side Enterprise has been evaluated by the Chinese five ore chemical industry import and export chamber of commerce AAA the level credit enterprise, by the Agriculture Bank of China Shanxi Province Branch, the letter bank Taiyuan Branch, the Minsheng Bank Shanxi branch is evaluated not bad record and defends the credit enterprise, is evaluated tax payment pivot man, the demonstration enterprise by Internal Revenue Service, in the customs, the outer tube aspect is prompt, the code of honor, does not have any bad record, evaluates the model enterprise by Tianjin and Dalian Customs, and after-crops "not bad records" the enterprise document; Zhao managed the foreign enterprise is evaluated the No.1 enterprise, some section of Listed enterprise produced the product was also commended US's; Zhao now in the US, Japan, Singapore, Australia, Germany and Britain has the enterprise and the staff, altogether managed 15721 professional supervisors, to buy the hand, to sell the hand and the staff member.

目前，赵尚阳创办和管理的中方企业已被中国五矿化工进出口商会评为AAA级信用企业，被中国农业银行山西省分行、中信银行太原分行、民生银行山西分行评为无不良记录和守信用企业，被国税局评为纳税标兵、示范企业，在海关、外管方面规范、守信，无任何不良记录，被天津和大连海关评为模范企业，并下发"无不良记录"企业文件；赵尚阳管理的外商企业被评为No.1企业，有一上市企业生产的产品还受到美国的肯定和表彰；赵尚阳现在在美国、日本、新加坡、澳大利亚、德国和英国都有企业和工作人员，共管理着15721名职业管理人、买手、卖手和职员。

This thesis made out creative analysis on credit risk management of stated-owned commercial banks under information asymmetry as follows:(1) It pointed out that banks can set for claim for compensation in credit contracts, so that companies that breach the faith would be published once the breach occurred.(2) It suggested that banks can set committees in companies to supervise the application of capitals, in order to make sure that specific capital should be used in specific projects.(3) It advised that special departments, acting like independent directors, can be set by banks enterprises to supervise the shared information, so that to decrease moral risk.

本文的创新点在于对信息不对称下的国有商业银行信用风险管理提出了如下几点对策：(1)银企双方在签订贷款合同时可以建立违约索赔的机制，一旦银行发现企业违约，而对方至少应该受到经济上的制裁；(2)建议银行设立投资监控管理委员会，对企业资金的使用状况进行监督管理，以保证借出的资金不被挪用到其他项目，做到专款专用；(3)在银企双方设立类似于独立董事的机制，对信息的透明度进行监控，保证企业不出现道德风险方面的问题。

This thesis aims at the reason why the bad assets of State-owned commercial banks are formed as well as the method and necessity of further improving the management, and predictively renders the new mode and new system on centralized management of the bad assets of State-owned commercial banks through analyzing the problems in traditional management mode under new situation, and in combination with the actual situation of the management of bad assets of State-owned commercial banks.

本文从国有商业银行不良资产形成的原因及对其进一步改进管理方式和提高管理水平的必要性入手，通过对新形势下传统管理模式弊端的分析，结合国有商业银行不良资产管理的实际情况，前瞻性地提出了对国有商业银行不良资产进行集中管理的新模式、新制度。

As one of the earliest presidial sub-branch, Chongqing branch has pursuant to the 'three top-ranking rule' which includes top service quality, top work effiency, and top credit standing and six advantages that concludes advance of banking system, prior management strategy, advance of intramural management, human resource development and construct the prior corporation cultural. As the result of innovation that all kinds of the competition ability became stronger and stronger.

作为交通银行最早设立的十大管辖分行之一，重庆分行遵循"三个一流"（一流的服务质量、一流的工作效率、一流的银行信誉）的办行宗旨，以"六个先进"（建立先进的银行制度、确立先进的经营理念、实行先进的内部管理、创新先进的服务手段、开发先进的人力资源、建设先进的企业文化）为具体指导，深化改革、加快发展，各项业务全面发展，竞争力日益增强。

This one mode pays close attention to network credence foundation of the businessman very much.

这一模式非常关注商人的网络信用基础。

Cell morphology of bacterial ghost of Pasteurella multocida was observed by scanning electron microscopy and inactivation ratio was estimated by CFU analysi.

扫描电镜观察多杀性巴氏杆菌细菌幽灵和菌落形成单位评价遗传灭活率。