银行业

But, while banking has become a hypertrophied monster, we still need to understand how the industry got so big in the first place in order to right-size it.

但是，尽管银行业已经成为一头肥厚的怪物，我们还是首先需要了解该行业究竟是如此变得如此庞大，以便将其规模予以最佳合理化。

At present, the integrative management has already become an important tendency of international banking.

目前，混业经营已经成为国际银行业的发展潮流和趋势。

It is an important issue for domestic banks that how banks enhance core competitive capability to face new challengesModern banks are knowledge-intensive industry, that the operation and management are based on knowledge and information, reflected on organization, operation method and business development etc.; It is inundant that informationization advance the innovation of the industry.

现代银行业作为知识密集型产业，在组织架构、运作方式和业务开拓等方面，以知识和信息为基础的经营管理特征日益显现，以自身实现信息化推动整个业态的不断推陈出新，已是势不可挡。

The overseas investment banks have inundatory superiority over their capital scale ,the earning of vendition,capability of operation and ability of financial creation ,the enterance of investment overseas will bring grimness challenge to our home investment banks .At the same time,our home investment banks face the pressure of mixed operation greatly .Recently commercial banks and insurance agents turn into the operation of investment banks one afer another ,our home investment banks feel the pressure of mixed work .

假如WTO后，我国承诺向国外金融机构逐步开放资本市场，而国外投资银行无论在资本规模、销售收入、业务能力以及金融创新能力方面都具有压倒性的优势，跨国投资银行的进入将给国内投资银行带来严峻挑战，同时，国内投资银行面临混业经营的压力越来越大，近几年商业银行或者保险公司纷纷进入投资银行业，国内投资银行感到了混业经营带来的压力。

The overseas investment banks have inundatory superiority over their capital scale ,the earning of vendition,capability of operation and ability of financial creation ,the enterance of investment overseas will bring grimness challenge to our home investment banks .At the same time,our home investment banks face the pressure of mixed operation greatly .Recently commercial banks and insurance agents turn into the operation of investment banks one afer another ,our home investment banks feel the pressure of mixed work .

如果WTO后，我国承诺向国外金融机构逐步开放资本市场，而国外投资银行无论在资本规模、销售收入、业务能力以及金融创新能力方面都具有压倒性的优势，跨国投资银行的进入将给海内投资银行带来严峻挑战，同时，海内投资银行面临混业经营的压力越来越大，近几年商业银行或者保险公司纷纷进入投资银行业，海内投资银行感到了混业经营带来的压力。

HSBC, seeking to increase its presence in Asia's third largest banking market, agreed in August to buy Lone Star's 51 per cent controlling stake in KEB.

去年8月，为了扩大自己在这个亚洲第三大银行业市场的影响，汇丰银行同意收购孤星在韩国外换银行51%的控股股权。

The informational and knowledged management has became theobstacle in Chinese FSI developing .we must pay more attention tothe serious case in Chinese banks these days.

管理的信息化和知识化已经成为中国的金融行业面临的发展障碍，中国银行，中国工商银行近期发生的大案，已经给中国银行业的管理集中及风险的防范敲响了警钟。

Whether the four biggest stated-owned commercial banks themseleves would exist and develop or not, or even whether the whole banking industry of our country would grow or not in the future, are mostly dependent on whether they could understand the situation, catch the chance, avoid their defaults to expose their excellence and on whether they could make wise decision to meet with the knowledged economy.

因此，如何审时度势、抓住机遇、扬长避短，在迅速壮大自身规模和实力的同时，采取正确的应对策略迎接知识经济挑战，不仅关系到四大国有商业银行自身生存和发展的问题，而且关系到我国银行业未来发展的大计。

This text tries to set up a theoretical analyze system—""the economics essence of anti-money laundering—cost and benefit — the institutional choice"", in which money launderer, the bank, and the government supervisor are considered jointly, especially focusing on analyzing the model of anti-money laundering of banking.

运用博弈论方法对银行业中监管机构、商业银行、洗钱者在监管与被监管，进入银行系统与拒绝进入的策略选择和行动方案进行了分析。洗钱和反洗钱是一个重复的不完全信息动态博弈，这一分析主要由两部分组成：洗钱者进入银行系统的博弈；监管机构和商业银行监管与被监管时的博弈。

Article 2 These Guidelines shall apply to the banking institutions which have the corporate status in China, including commercial banks, urban credit cooperatives, rural credit cooperatives and other financial institutions that are leally established within the territory of the People's Republic of China and absorb public deposits, policy banks, financial assets management companies, petty loan companies, etc.

第二条 本指引适用于具有中国法人资格的银行业金融机构，包括在中华人民共和国境内设立的商业银行、城市信用合作社、农村信用合作社等吸收公众存款的金融机构，以及政策性银行、金融资产管理公司和小额贷款公司等。

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。