银行存款

This, the Guangzhou land tax department yesterday Xinhua News Agency correspondent in an interview that "the interest of savings deposits from individual income tax charge of the implementation" of the provisions of the savings deposit interest income only from a personal bank the State Council Industry Regulatory approval of the commercial banks, urban credit cooperatives and rural credit cooperatives, and other public deposits of financial institutions to obtain the savings deposit interest income, excluding securities companies paid to individual shareholders account for income funds, so the individual shareholders Capital account interest income levy personal income tax, does not apply "on the revisedthe decision" shall not be reduced 5% rate of taxation of personal income tax, should be "the People's Republic of individuals Income Tax Law,"the relevant provisions of Article III, 20% tax rate levied in accordance with the" interest, dividends, dividend income "personal income tax.

对此，广州地税部门昨日新华社记者在一次采访中，从个人收入的对储蓄存款利息所得的规定，执行"税务费用"的储蓄存款的利息只从个人银行，国务院业监管的批准商业银行，城市信用合作社，农村信用合作社，金融机构和其他公众存款，以获取储蓄存款利息所得，不包括企业支付给个人股东的证券资金帐户的收入，所以个人股东资本帐户的利息所得征收个人所得税，不适用"关于修改的决定"，不得减少5条个人所得税的征税％的速度，应该是"中华人民共和国个人所得税法"第三条，20％的税率征收的有关规定，按照"利息，股息，红利所得"个人所得税。

Negotiable certificates of deposit , also known as certificates of deposit , bank deposits , the company received or sent by a customer can transfer cash in the deposit receipt.

存款证又称可转让存款证，是银行接或受存款公司发给客户的一种可以转让套现的存款收据。

At present, the enterprise annuity investments are based mainly on the "pension fund management business on a trial basis", investment bank demand deposits, the central Bank notes, bonds buy-back short-term liquidity, and other products and the ratio of money market funds, funds of not less than 20% of net assets; investment bank time deposits, deposit agreements, bonds, Jinrong Zhai, corporate debt, and other fixed-income products and Debt conversion, the ratio of bond funds, the fund does not exceed 50% of net assets.

目前，企业年金投资的依据是"养老基金管理业务，主要是试行"，投资银行活期存款，央行票据，债券回购的短期流动资金，以及其他产品和货币市场基金的比例，不低于净资产的20％资金，投资银行定期存款，协议存款，债券，锦荣翟，公司债务，以及其他固定收益产品和债务转换，债券基金的比例，不超过基金资产净值的50％。

While some thrift institutions have acquired demand deposit authority, their participation in money creation is limited relative to banks which hold nearly all business demand deposits and the majority of individual and government demand deposits.

尽管一些储蓄机构也获得了提供活期存款的授权，但与商业银行相比它们创造信用的能力十分有限，由于商业银行拥有几乎所有企业的活期存款、绝大部分个人和政府的活期存款。

Based on the research of current situation of risk management of capital allocation for commercial banks both at home and abroad at present, this paper put forward a unified VaR theory framework and model by using reserve for bad debts, capital at risk and deposit insurance system. The reserve for bad debts, capital at risk and deposit insurance system are used to execute grading risk prevention and to develop a comprehensive quantification method that executing risk management to commercial banks.

因此，在对目前国内外商业银行资本配置风险管理现状进行研究的基础上，本文提出了包含损失准备金、风险资本和存款保险的商业银行资本配置风险管理的统一的VaR理论框架和模型，用损失准备金、风险资本、存款保险制度来分级防范风险，并在此理论框架和模型下发展出完整的从资本配置的角度对商业银行进行风险管理的量化方法。

Today, in the United States, money used in transactions is mainly of three kinds - currency (paper money and coins in the pockets and purses of the public); demand deposits (non-interest bearing checking accounts in banks); and other checkable deposits, such as negotiable order of withdrawal accounts, at all depository institutions, including commercial and savings banks, savings and loan associations, and credit unions.

今天，在美国，在交易中使用的货币主要有三种-货币（公众的口袋和钱包中的纸币和硬币），活期存款和其他支票存款，如在所有存款机构，包括商业银行和储蓄银行、储蓄和贷款协会和信用合作社中可转让的提款单的帐户。

According to the market definition of merger guidelines, nonbank financial institutions should not be included as participants in defining the product market relevant to antitrust analyses of proposed bank mergers. In other words, domestic commercial banks and nonbank financial institutions are not the same deposit market.

在合并准则的市场定义下，本国一般银行与非银行的存款机构系属於不同的存款市场，当一般商业银行在进行水平合并或联合行为时，农、渔会信用部及信用合作社等非银行的存款机构应当不被纳入相关市场界定的范围。

On the basis of briefing the features of deposit products in American banking and the main problems existing in Chinese banking's deposit product design, the paper proposes the following suggestions:(1) quickening the reform of interest rate liberalization to enhance bank's autonomous operation;(2) adding product elements to balance the rights and obligations between depositors and banks;(3)differentiating transaction of funds from bank's service to improve the deposit pricing approache;(4)enriching product catalogues to provide more choices for clients;(5) changing the designing notion that lacks differentiation to pay more attention to market segmentation.

本文在简要介绍美国银行业存款产品设计特点和分析我国银行业存款产品设计存在的主要问题的基础上，提出以下改进存款产品设计的建议：加快利率市场化改革，提高银行经营自主权；增加产品构成要素，平衡双方的权利与义务；区分资金交易和银行服务，改进存款定价方式；增加产品种类，提高客户的可选择性；改变过度平均化的产品设计思想，注重对市场进行细分。

Sum of money was original 2-year fixed deposit saved in Industrial and Commercial Bank of China on Sep 09, 2003, the money was drawn out on June 08, 2006 and re-deposited into the present saving in Bank of China on june 09, 2006, the copy of original deposit sheet issued by bank is attached below.

上述第4笔存款原为2003年9月9日存入工商银行的2年期定期存款，该存款于2006年6月8日支取，并于2006年6月9日转入中国银行存为现在的存款，后附银行出具的原存单复印件。

Last December 4, People's Bank of China to the national financial institutions issued a report on the "micro-open foreign currency deposit rates," the notice declared that from now on, all commercial banks according to the People's Bank in July 2, 2003 standards published by the interest rate cap, self-determined dollar, yen, euro, Hong Kong dollars, pound sterling, Swiss franc and Canadian dollar currency seven small foreign currency deposit rates.

去年12月4日，中国人民银行中国国家金融机构发表了一份报告，对&微型开放外币存款利率&，该通知宣布，从现在起，各商业银行按照人民银行在7月2， 2003年公布的标准利率上限，自我确定美元，日元，欧元，港元，英镑，瑞士法郎和加拿大元七个小货币的外币存款利率。

They weren't aggressive, but I yelled and threw a rock in their direction to get them off the trail and away from me, just in case.

他们没有侵略性，但我大喊，并在他们的方向扔石头让他们过的线索，远离我，以防万一。

In slot 2 in your bag put wrapping paper, quantity does not matter in this case.

在你的书包里槽2把包装纸、数量无关紧要。