银行业

Depositor protection is the key factor for the ＂banking corporate governance.

保护存款人的利益是银行业公司治理的关键，这使银行业需要政府监管职能的介入以实现有效治理。

This article carried out the empirical analysis on the centralization and get-in and get-out barriers of Chinese banking, based on which it revealed the slow development of newly-emerging banks and unshakable position of four oligarchs in the short term.

通过对中国银行业市场集中度、进入壁垒及退出壁垒的实证分析，发现我国银行业中新兴力量发展速度缓慢，四大寡头的垄断地位在短期之内难以动摇。

In exchange for supporting Kalee's staggering debts incurred in the planet's war with the Huks, the Banking Clan bought Grievous' eternal services as an intimidator and warrior.

卡里人因与哈克人进行星际战争，背上了巨额债务。银行业集团提出为其解决债务问题，作为条件，格里弗斯将终生作为银行业集团的打手和战士。

If the loaner is under any of the following circumstances, the banking regulatory institution may take the following supervisory measures under Article 37 of the Banking Supervision Law of the People's Republic of China

贷款人有下列情形之一的，银行业监督管理机构可根据《中华人民共和国银行业监督管理法》第三十七条的规定采取监管措施

These situations are the main character of Chinese credit rationing phenomena. It could be conclude that a great mummer of important problems, which including some macro-scale problems such as the dualistic financial structure, the inefficiency of fund allocation, the phenomena of regulation of interest rate, and some middling scale problems such as the banking industry structure, the rampart of entering and exiting banking, as well as some micro-scale problems such as non-performing loans of banks,'over investment' of state-owned enterprise, credit deficiency of enterprises, have concerned with the situations.

一方面，从微观层面来看，政府行政权利在资源配置中的主导作用是中国特色信贷配给现象的一个主要的组成部分；可以说，无论是宏观方面的二元金融结构、资金配置效率低下、利率管制等现象；中观方面的银行业市场结构、银行业进入以及退出壁垒；还是微观方面的某些痼疾，如银行不良资产、国有企业的"过度投资"、微观主体信用缺损等，都在一定程度上同政府主导的信贷配给有关。

But due to the switch of the government policy of economic, poor management and faulty law and severe financial corruption that risk the bank industry in China, and postpone the development of the economic.

但由於中国银行业快速发展的同时，由於经济体制转轨、管理水平、法律法规不完善、政治腐化等原因，使中国银行业潜伏著巨大的风险，也给中国经济未来的发展带来了很大的阻力。

This dissertation firstly introduces the content, core concept as well as the development of 6 sigma management method and analyzes the theory of using 6 sigma to improve bank's competitiveness; then it summarizes the experience of oversea bank on practicing 6 sigma management method based on the illustrations of Bank of America and City banking group; Next it goes to the necessities and feasibilities of 6 sigma management for domestic banking sector, indicating the strategic goals and significance for domestic banks to implement 6 sigma management; Finally, it discusses the way to implement 6 sigma management and relevant factors, including the barriers of technology, management and culture which are confronted by domestic banks during the implementation of 6 sigma management; the role and function of 6 sigma management in the ongoing domestic banking sector reform; the strategy and process to implement 6 sigma management system; the way to launch 6 sigma projects.

本文首先介绍了六西格玛管理方法的内涵、核心理念及其在国内外的发展状况，并对六西格玛管理方法提升银行竞争力进行了原理分析；然后以美洲银行和花旗银行为例，归纳总结了六西格玛管理法在国外银行业的实践经验与对国内银行的启示；结合我国金融体制改革和加入世贸组织后的市场开放，系统论证了我国银行业实施六西格玛法的必要性与可行性，指出了国内银行实施六西格玛管理方法的战略目标和战略意义，最后，结合国内银行的实际运营与管理情况探讨了六西格玛管理方法的实现方式，包括国内银行实施六西格玛管理所面临的技术、管理和文化障碍；六西格玛管理在国内银行现行改革中的地位和作用；国内银行实施六西格玛管理的原则、策略和步骤；六西格玛项目的操作方法研究。

This paper from the actual situation has analyzed the integer status of our banking, and mostly discussed the superior and inferior of the nation owned single proprietorship bank of commerce of our country after we joined WTO, and sums up that the nation owned single proprietorship bank of commerce of our country should take reforms in the finance system, pattern of management, and strengthen the credit risk management, expand retailing positively and construct the networking bank such as positive effective countermeasure so as to compete with the foreign banks.

该项研究，从实际出发，充分论述和分析我国银行业的整体状况，通过重点论述加入WTO后，我国国有独资商业银行在竞争中具有的优、劣势分析，总结出我国国有独资商业银行作为我国银行业主体应该在金融体制改革、经营模式转换，加强信贷风险管理，积极发展零售业务，构建网络银行等方面，采取积极有效对策，同外资银行进行竞争。

Most of specialists and scholars in the world think that stock power distraction is very suitable corporate governance for national commercial banks, which is also the best choice for our banks in the future.

国内外众多专家、学者和机构在客观地分析了我国银行业现状的基础上，提出股权分散是一种很好的治理结构，是我国银行业未来发展的选择。

On the basis of documentary summary of the research on banking scale economy in china and overseas, after an experienced judgment and comparison of the market structure and economic result in china's banking industry in accordance with a great deal of related specific data, an empirical and comparative analysis is made on the scale economy for state-owned commercial banks and share equity commercial banks in china by using transcendental cost function.

在介绍国内外有关银行业规模经济问题研究的文献综述基础上，通过依据大量相关具体数据对我国银行业的市场结构及效益问题进行经验性的判断比较，最后运用超越对数成本函数对我国国有商业银行与股份制商业银行的规模经济问题进行实证比较分析，并得出结论：从总体上看，我国商业银行规模系数变化不大，但近几年来在规模效率方面，国有商业银行相对于股份制商业银行来说进步更为显著。

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。