银行业

Under the present situation, it is necessary to maintain a certain degree of concentration.

我们认为在全面开放金融业的背景下，中国银行业保持一定的集中度是必要的。

To improve efficiency is the core issue of the banking reform in China.

提高效率是我国银行业改革的核心问题。

This is a touchy subject in the banking sector right now.

这就是银行业目前面临的一个棘手问题。

Buffett settled back to manage the business interests he had acquired, including Diversified Retailing, a chain of women's apparel stores; Blue Chip Stamps, a western states trading stamp operation; and Berkshire Hathaway, a diversified banking and insurance company that owned, among other things, a weekly newspaper, The Omaha Sun .

巴菲特往后靠管理的商业利益，他已经获得，包括多元化零售，连锁女装店；蓝筹邮票，一个西方国家的贸易邮票操作；和伯克希尔哈撒韦，一个多样化的银行业和保险业国有公司，除其他外周报， Sun公司的奥马哈。

Obama needs to inject some truth serum into the banking discussion.

奥巴马真需要在与银行业的讨论中向银行家们注入一些能让他们说真话的血清。

This is a tuxedo on the development of the banking procedures examples of the use of the books.

这是一个介绍 tuxedo 在银行业程序开发中使用例子的图书。

Chinese Personal Banking Services are still unfledged because of its brevity.

个人银行业务在国内刚刚起步，外资银行认为在此领域有较大的发展空间，因此会积极参与。

Part II also studies the risk situation of domestic banks and the causes leading to the formation of those risks and the author's conclusion is that Chinese banks in particular the four largest state-owned banks are characterized by the following risks:(1)the high percentage of problem loans;(2)poor profit-earning capability;(3)few channels of generating income;(4)heavy burden of tax and other expenditures;(5)the lower percentage of self-owned capitals;(6)poor liquidity;(7)the unsoundness and imperfectness of the internal management structure risk management mechanism and company management structure; to make matters worse, Chinese banks are cornered by our social and economical environments such as the unfledged market mechanism, the poor credit degree of our community, the deficiency of legal system in protecting the legitimate rights and interests of creditors and local protectionism in subordinating banks' credits to those of local parties concerned,etc.

本文还对国内银行风险状况及其成因进行分析，认为目前我国银行业处于高风险状态，主要表现为：在银行经营管理方面，国有商业银行不良资产占比过高(占全部贷款的26.62%)，商业银行盈利性差，收入的多样性差，税赋重，自有资本金比例低，流动性不足，内部控制及公司治理机制等管理制度不健全、不完善等；在社会、法制环境方面，市场机制不健全，社会信用程度低，法律制度不完善，地方保护倾向明显，等等。

In the background of internationalization,universalization and liberalization of financial sector ,with China's entry into the WTO,the banking industry of China is bound to choose universal banking mode.

在当今金融业的国际化、全能化、自由化趋势的背景下，随着我国加入WTO ，我国银行业必将走上混业经营的道路。

It would be unrealistic to expect China's banking sector to be unscathed by the global recession.

它将是不切实际的期望中国银行业将会安然无恙的全球经济衰退。

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。