银行投资

Lord, the American Ambassador in China, to participate an exchange plan. In September 1987, Mr. Li went to America again for his master degree. In June 1989, Mr. Li attained his master degree on International Finance from Brandes University. As an analysis of Acadian Investment Management Company, Mr. Li started his investment management practice in 1990. In March 1991, Mr. Li was employed by the famous Wall Street Investment Bank and the Brother Braun Corporation as senior analysis in investment strategy department, analyzing and researching investment strategy. In September 1995, Mr. Li was appointed by the Oppenheimer Funds and responsible for the global stock investment.

1986年6月，李山泉受美国驻中国大使洛德邀请，参加美国汉弗莱交流计划。1987年9月，他重返美攻读学位。1989年6月，获布兰德斯大学国际金融硕士学位。1990年作为为Acadian投资管理公司的分析师开始投资管理的实践。1991年3月到纽约华尔街，被著名的老牌华尔街投资银行、布朗兄弟公司聘任，在投资战略部任高级分析师，从事投资战略的分析研究。1995年11月应聘到奥本海默基金公司，负责该公司环球股票投资的管理工作。

The Bank of England Bank of Tokyo bank holding company banking syndicate merchant bank ...

英国对商业银行的名称欧洲投资银行联邦土地银行被保险银行贴现银行外国银行海外银行

In this article,we mentioned away to found an online-bank risk monitoring system---""four-dimensionality form aorganic whole""monitoring system.The so-called""four-dimensionality form aorganic whole""is to points concrete measures should be applied on nation,industry,bank and customer these four different dimensionality and auniform technique backup--digital authentication center should be set up against the online-bank's risk.

本文提出构建"四维一体"的网上银行风险监管体系的思路，并详细论述了构建"四维一体"的网投资项目管理师前景上银行风险监管体系的详细步骤：分别从国家、行业本身、银行内部和客户四个不同维度，提出对我国网上银行风险监管的具体对策，并依靠完备的数字认证中心作为技术后盾，进行有效的网上银行风险控制，切实防范网上银行风险。

This chapter emphasizes on the five issues. Firstly, the relation between the transformation from savings to investment and the fund's formation. Its purpose is to reveal the formation way of the funds and how to improve its efficiency of utilization. Secondly, the analysis of the supply behavior of the transformation from savings to investment. It mostly analyzes the savings' behaviors of the government, enterprises and residents and their economic effects. Thirdly, the analysis of the demand behavior of the transformation from savings to investment. It stresses on discussing the enterprise's choices of the financing structures and forms on the premise of pursuing the maximum profit, through analyzing the basic features of each social financial entity. Fourthly, it clearly points out the kinds of transformative mechanism from savings to investment and its impactive factors. Finally, it emphases the importance and realizing path of the transformative mechanism in our country that is changed from combining bank with capital market to the market leading, through analyzing the mechanism and its practice in China.

本章重点讨论五个问题：第一，储蓄向投资转化与资金形成的关系，目的是揭示资金的形成途径及如何提高其使用效率；第二，储蓄向投资转化的供给行为分析，主要分析政府、企业和居民的储蓄行为及其经济效应；第三，储蓄向投资转化的需求行为分析，通过分析社会各融资主体的基本特征，重点探讨企业在追求收益最大化前提下融资结构和融资形式的选择；第四，储蓄向投资的转化机制，主要探讨了储蓄向投资转化机制及其制约因素；第五，通过对中国储蓄向投资转化机制的历史考察和现状分析，明确指出了我国储蓄向投资的转化机制由银行与资本市场并存型转向市场主导型的重要性和实现路径。

Returns from these investments, bank savings, the lowest investment income, only 2%-3%, but its risk minimization, and the best liquidity; bond investment income of about 3%— 5 percent, its risk, realized a long time; the real estate rental investment income of about 5%-8%, with less risk, but poor liquidity; investing in stocks or buy new real estate investment, their investment income about 10% or more, but they risk the most, there are too many uncertainties.

这些投资的回报，银行存款，投资收入最低，只有2％-3 ％，但其风险最小化，最好的流动资金；债券投资收益的约3％- 5点，风险，实现很长一段时间；房地产投资租金收入约5％-8 ％，且风险较小，但穷人的流动资金投资于股票或购买新的房地产投资，其投资收益约10 ％或更多，但他们最危险，有太多的不确定因素。

For example, the investment banking unit of Citigroup, Salomon Smith Barney, will be doing the presentation. You should first find out from either the placement office's event coordinator or from the investment bank's liaison person on what business divisions will be represented in the presentation. Read through the annual report, recent articles about Salomon Smith Barney and jot down questions about the specific business areas that interest you.

假设现在花旗银行的投资银行业务机构所罗门美邦将要举行展示会，那么，你就应该首先从就业指导中心的活动协调员或投资银行的联络员那里了解到做展示的是什么部门，阅读一些所罗门美邦的年度报表和时文，并写下一些你感兴趣的业务问题。

Reporter has learned that the Center and the Bank jointly launched the replacement of individual housing provident fund loan portfolio refers to the application for individual housing loans of the borrower, by the trustee bank to use bank funds to the borrower issuing bank commercial individual housing loans, by banks on behalf of the borrower to Kunming housing provident fund management center to apply for individual housing provident fund loans, agreed to by the management center for approval, the provident fund loans with bank loans Replacement "first trustee bank loans, after the replacement loan fund portfolio" of loans.

记者了解到，该中心和世界银行共同发起了更换个人住房公积金贷款业务是指在申请个人住房贷款的借款人，由受托人银行使用银行资金向借款人发放的商业银行个人住房贷款，由银行代借款人到昆明住房公积金管理中心申请个人住房公积金贷款，同意由管理中心批准，公积金贷款与银行贷款的替代品&第一受托人银行贷款，后更换贷款基金的投资组合&的贷款。

Article 21The term import and export settlement refers to settlement by foreign banks, foreign bank branches and joint venture banks for imports and exports handled by foreign-funded enterprises and for exports and imports under the item of loan by non-foreign-funded enterprises.

第二十一条本章所称进出口结算，是指外资银行、外国银行分行、合资银行办理的外商投资企业的进出口结算和经批准的非外商投资企业的出口结算以及放款项下的进口结算。

There are some successful experiences in the countries throughout the world that we can use for reference Basing on Chinese reality and using of the international experience of other countries, the paper puts forward some short-termed and medium-and-long termed measures to start up Chinese folk investment through finance These measures are as f ollo~vs establihing polical financial channel building credit guarantee system for folk MS SE, integrating Chinese financial policy supporting greatly Chinese Medium-and-small financial institutions improving the service of state-owed commercial banks for MSSE.

本文在借鉴世界各国金融启动民间投资成功经验的基础上，结合当前我国民营中小企业发展中存在的实际困难，立足我国现实国情，提出了金融启动民间投资的近期对策和中长期对策，包括有建立政策性的筹资渠道、建立民间中小企业信用担保体系，完善我国的金融政策、大力支持我国中小金融机构的发展、改善我国国有商业银行对中小企业的金融服务、大力拓展银行中间业务、发展融资租赁业、以中小企业的整体重组促进投融资、发展风险投资、建立二板市场等。

ZHAO Xiao-bing: This is in the affirmative, we are now direct investment in large-scale investment bank did not, the future can be said that no matter how far can-can, but we still the most important investment banking business.

赵小兵：这是肯定的，现在我们直接投资的规模没有投资银行大，可以说不管将来汉能能走多远，但目前投资银行还是我们最主要的业务。

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。