银行业

It"s the new direction of technique development for data mining to apply availably in the banking, and it"s also the urgent demand of banks competition.

将数据挖掘技术有效的应用于银行业是技术发展的方向，也是银行业自身竞争发展的迫切需要。

Along with the accelerated cumulation of the private properties,the needsof extended capital management from the enormous group of magnates become moreand more intensely. That makes the private banking become the engine power ofdriving bank internationalization and occupying the global peak industry ofbanking.

近些年随着个人财富累积速度加快，庞大富豪群体的延伸性资产管理服务需求强劲，使私人银行成为驱动发达国家银行业国际化、占领全球银行业制高点的动力。

The New Basle Capital Accord is an international copy of supervision of international banking, that the banking of our country must study and learn hard, if we want to obtain an advantage position in competition.

新资本协议框架是国际银行业监管的又一国际范本，我国银行业要在竞争中取得优势地位，就必须认真研究和学习新资本协议。

The role of bank as an industry catalyzer is connected with its market structure and regulations.

商业银行在催化产业方面的作用既取决于银行业本身的市场结构，也与银行业的管制有关。

With the development of electronic technique of banks, traditional bill validity check method has been an obstacle because of its low efficiency and bad security. As a result, the electronic payment cryptograph system emerges, and it has been used widely in banks.

随着银行业电子化的发展，传统的银行票据验证方式由于效率低、安全性差，成为制约银行业务发展的一大障碍；于是，电子支付密码系统应运而生，并在银行业被广泛应用。

More and more operational risk loss events of commercial banks cumber thedevelopment of commercial banks, and they make the researchers attach importance to theoperational risk management.

银行业层出不穷的操作风险损失事件，对银行业的发展形成了巨大的阻力，对操作风险的管理也日益得到银行从业人员及相关研究者的重视。

In penman"s opinion, the significance of this article has two aspects, one is to make a deep research of the status of the merger of international banking industry, the other and the most important is to explore the development road of China"s banking industry, and do some help to the practical operation of the reform in Chinas financial industry.

笔者认为，写作本文的意义，一方面是对国际银行业并购的状况做一个较为深入的研究，但更为重要的，是为了以此为借鉴，探索我国银行业发展的道路，并希望通过对银行业并购的研究，对我国金融业整合的现实操作有所裨益。

However, we don"t find neither the economies of scale nor the diseconomies of scale in the investment banking industry. What"s more, the scope of Chinese investment banks is too narrow and the income relies on the traditional deals too much, which makes the industry far from the economies of scope.The dissertation starts from restrict-pricing model of Spence and Bain-Sylos and analyzes the mechanism of the strategy of excessive production capacity. And based on the extended dynamic game theory of Dixit the dissertation establishes the dynamic game theory model of capital promise and entry deterrence. The dissertationillustrates the essence of scale strategy of Chinese investment banking industry: Firstly domestic investment banks should optimize the capital structure and the scale expansion by proper financing arrangement.

本文对我国投资银行业的产业绩效进行了实证检验：市场结构、行业规模以及市场总体收益率对行业的利润率具有很强的解释能力，从影响的相对水平来看，集中度的影响要大于市场收益的影响，同时，规模的影响与集中度、市场收益的影响相反；同时，基于规模经济的横截面分析表明，我国投资银行业的经济规模与其绩效之间还不存在明显的关系；而且，我国投资银行业总体上经营范围狭窄，业务内涵单一，在收入构成上过分依赖于传统的三大业务，也远远没有发挥出行业的范围经济优势。

Article 42 When conducting any inspection of banking financial institutions, the banking regulatory organ may, subject to approval of the person in-charge of the banking regulatory organ at or above the level of districted city, take the following measures against any entity or individual suspected of being involved in illegal acts

第四十二条银行业监督管理机构依法对银行业金融机构进行检查时，经设区的市一级以上银行业监督管理机构负责人批准，可以对与涉嫌违法事项有关的单位和个人采取下列措施

Before 1990s, the United States bank organization is unit banking and the divided management, and because of the rigid anti-trust act, the US banking mergers and acquisitions activities are rigorous restricted.

当然，相对于银行业本身，宏观背景毕竟是外部原因，要找到美国银行业并购的微观动因，就还必须从美国银行业本身出发，找到其具体的、特殊的考虑。

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。