银行业

The bank industry in Taiwan is engaged in a job of merger. It belongs to a horizontal merger.

目前台湾的银行业正在整合的工作，其整合属於水平整合，整合后的效果为何？

The Bush administration's $700bn bail-out for the banking industry becomes law after a week of hard-fought negotiation and horse-trading in Congress.

通过国会一周的激烈讨论和谈判，布什政府通过了一项7000亿美元的银行业救助计划。

Husain suggests that Pakistan's experience demonstrates the benefits of privatization for the banking sector and the economy, but he warns that it must be handled carefully.

侯赛因认为，巴基斯坦的经验显示了私有化对银行业部门的好处，但是他也警告说，处理的时候必须小心谨慎。

In recent years,with the upgrade of the competition among banks,each bank has been increasingly developing the credit market,and public service sectors such as schools and hospitals sometimes hypothecate the charges right and the accounts for loans.

近年来，随着银行业竞争的升级，各家银行不断开拓新的信贷市场，学校、医院等公益性事业单位用其收费权和账户为贷款作质押担保的情况时有发生。

We successfully combine our banking and insurance skills in growth markets in Europe and Asia, and we lead the market in bancassurance in the Iberian Peninsula and Malaysia.

我们成功地结合起来，我们的银行业和保险业技能，在成长的市场在欧洲和亚洲，我们市场领先地位，在银行保险在伊比利亚半岛和马来西亚。

Sound operation is the traditional tenet of banking , yet, the understanding to sound operation is not identical, what's worse, the understanding is false or half-baked sometimes.

稳健经营本来是银行业传统的经营理念，但是人们对于稳健经营的含义的理解，却是不一致的，甚至是不正确、不完整的。

Some banks also fear that lack of consistency might prompt banking regulators to impose clearer but ill-judged rules.

一些银行同时担心，缺乏一致性可能促使银行业监管机构强制施行更为明晰但判断失当的规定。

They also constrain the central bank's ability to act as a lender of last resort in the event of a banking crisis.

他们也会限制中央银行在发生银行业危机时充当最后借款人的能力。

In the years that followed, of course, banking became anything but boring.

当然，在接下来的这些年里，人们认为银行业根本不令人厌烦。

Innovations: The first innovation is that it is targeted on the banking and overcomes incomparability by the disparity of different industries; this thesis analyzes financial condition of listed banks based on free cash flow which overcomes the shortage of operating activity net cash flow and financial indexes based on accrual basis, creating cash flow index early-warning model, binding the result of factor analysis and discriminant analysis to evaluate comprehensively, giving warning limit and judging warning degree based on factor score and discriminant score and reducing misjudgment of single statistical method; Financial early-warning system of listed banks is constructed with cash flow index early-warning system and non-financial index BSC early-warning system.

本文的创新点：仅以银行业为研究对象，克服行业差距带来的不可比性问题；以自由现金流量为基点分析上市银行的财务状况，克服以往学者所采用的经营活动净现金流和以权责发生制为基础的财务指标的不足，创建了现金流指标预警模型；综合因子分析和判别分析两种统计方法，以因子得分和判别得分为尺度设置警限、判断警度，降低单一统计方法的误判性；融合现金流指标预警体系和非财务指标的平衡计分卡预警体系构建了上市银行财务预警体系。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。