银行

It can be expected that the decline in interest rates there is still much space, it is necessary to know the lowest interest rates in previous years, the records of bank one-year return on investment rate was only 1.80% which, when the economic environment is now the case is far from grim, if interest rates drop several times, and its effect on the stock market there will be a process of quantitative to qualitative changes, bank deposits are not the proceeds of investors, there will be a "rentier" class from the bank gradually driven out.

可以预计，利率下降有很大的空间，但要知道前几年的最低利率，银行之一的记录一年的投资回报率仅为1.80％，其中，在经济环境现在的情况是远远严峻，如果利率下降几次，其对股市的影响将有一个过程量变到质变，银行存款是不是投资者的收益，将有一个"食利者"类从银行逐步淘汰。

Based on the research of current situation of risk management of capital allocation for commercial banks both at home and abroad at present, this paper put forward a unified VaR theory framework and model by using reserve for bad debts, capital at risk and deposit insurance system. The reserve for bad debts, capital at risk and deposit insurance system are used to execute grading risk prevention and to develop a comprehensive quantification method that executing risk management to commercial banks.

因此，在对目前国内外商业银行资本配置风险管理现状进行研究的基础上，本文提出了包含损失准备金、风险资本和存款保险的商业银行资本配置风险管理的统一的VaR理论框架和模型，用损失准备金、风险资本、存款保险制度来分级防范风险，并在此理论框架和模型下发展出完整的从资本配置的角度对商业银行进行风险管理的量化方法。

This chapter analyzed the mechanic of Rural credit cooperatives, Agricultural Bank of China, and Agricultural Development comment Bank of China, in order to dosing an mechanism to enhancer FII. Chapter 7. Policy sugestions on RFD to enhacing FII.

农村信用社主要是发展小额信贷；农村政策性金融在融资机制上、组建农村信贷担保银行、信贷业务种类及法律制度上进行了设计；中国农业银行从建立合理分工的农村金融服务体系的目标入手，推进农业银行的综合改革并根据商业性金融的特点明确支农地位。

On the basis of it, this paper applied the SWOT model to evaluate the insurance's function in operation risk management.

在此基础上，本文对保险在商业银行操作风险管理中的应用进行了SWOT分析，对保险在商业银行操作风险管理中发挥的作用作了系统、客观的评价，得出保险这一现代金融工具在商业银行操作风险管理中有着巨大的优势。

Leading financial institutions in Shanghai, the current round of high-level rotation with Shanghai International Group and the Shanghai State-owned Asset Management Limited as at the beginning of the reorganization of assets, involving the Shanghai International Group, Shanghai Pudong Development Bank, Shanghai Bank, the country voted , Aijian shares, China UnionPay and other financial institutions, as well as the Shanghai Financial Office, the People's Bank of Shanghai Headquarters, the China Banking Regulatory Commission and other functional departments.

上海市主要金融机构的本轮高层换防以上海国际集团与上海国有资产经营有限公司进行资产重组为伊始，涉及上海国际集团、浦发银行、上海银行、上国投、爱建股份、中国银联等金融机构，以及上海市金融办、人民银行上海总部、银监会等职能部门。

To ensure the success of this pilot securitization project, ICBC has put together a strong team of domestic and international financial institutions comprising Standard Chartered Bank as the arranging advisor, HSBC as the advisor to originator, CITIC Securities as the lead underwriter and Huabao Trust as the trustee and security issuer.

这是今年以来中国资产证券化市场的一次意义重大的发行，是中国最大银行，也是目前世界市值最大的银行发起的首笔公开发行的资产支持证券，标志着中国国有大商业银行开始全面进入资产证券化市场，以证券化手段来推动其信贷业务模式的转型和升级。

Through the analysis of the history of Central Bank integrating the currency issue right, we can say that in spite of the dispersion of network currency issue right reducing the Seigniorage Revenues of Central Bank, now. the issue right of network currency should not be taken over by the state.

通过中央银行统一货币发行权的历史分析，可以认为，尽管由于网络货币发行权的分散会减少中央银行的铸币税收入，但在目前的条件下中央银行不应该将网络货币的发行权收归国有。

This kind of mechanism can activate the action of market, give the right of self-judgment to bank to some extent, and at the same time make itself more active and initiative, which can enhance the interaction between supervisors and supervisees, enforce the stability of financial market, and widen the scope of banks. To international banks, this is the necessary evolve ment trend of supervision way.

激励相容的银行监管注重发挥市场机制的作用，给予银行一定的自由裁量权，发挥其积极性和主动性，与监管者形成良性互动，既维护了金融稳定，又给予银行广阔的发展空间，是世界银行业监管方式演进的必然趋势。

For example, it might be possible to sell a retail bank's shares short, start unfounded rumours about the bank's liquidity and cause a run on the bank, making the rumours self-justifying, destroying a valuable asset and making money into the bargain.

比如，他们可能突然抛售商业零售银行的股票，散播关于银行流动性的毫无根据的谣言，引发银行的挤兑，使得谣言自我验证，摧毁有有价值的资产，以此来赚钱。

By analyzing the theoretical basis of the right of setoff and the relationship between bank and customers, the author discusses the problems of bank's right of setoff and the system of setoff of our commercial banks after reconstruction.

通过对抵销权基础理论和银客关系的分析，详细论述了银行抵销权存在的问题及重构后的我国商业银行抵销权制度，力求在有效保障银行债权实现的同时更好地保护客户的合法权益。

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。