风险

With the analysis of the situation in the management of risk operation, the dissection of an ecomomic case ( delfalcation comitted by a bank member) and the references from advanced counterparts, the paper comes up with some countermeasures to prevent and control the risk operation: to perfect the management organization, to strengthen the inside-control construction, to reselect the business flow; to enhance the controling of the risk operation, to innovate the supervising methods, to improve the management, to intensify all-staff involvement and to construct a risk culture.

本文通过对江苏AB银行操作风险管理现状的分析，通过对一个内部员工挪用资金案例的解剖和先进同行风险管理经验的借鉴，得出防范和控制操作风险的对策。完善治理结构，强化内控建设；再选业务流程，加强风险控制；创新监管方法，提升管理水平；强化全员参与，培养风险文化。

Then, through building the model of the scatteration of the gathered underwrite risk and portfolio risk, the function of scattering risk of going on the market is further expoun.

本文围绕着这两大风险从我国保险公司的现状和承保风险集聚的理论方面分析保险公司上市的必要性和可能性，然后，通过建立承保集聚风险分散和组合投资风险分散的模型，进一步从理论上阐明上市分散风险的功能，最终得出上市是发展我国保险事业的有效途径的结论。

Around the two major risks, the necessities and possibilities are analyzed that insurance companies go on the market from the aspects of the present conditions of Chinese insurance companies and the theory on the gathered underwrite risk. Then, through building the model of the scatteration of the gathered underwrite risk and portfolio risk, the function of scattering risk of going on the market is further expoun...

本文围绕着这两大风险从我国保险公司的现状和承保风险集聚的理论方面分析保险公司上市的必要性和可能性，然后，通过建立承保集聚风险分散和组合投资风险分散的模型，进一步从理论上阐明上市分散风险的功能，最终得出上市是发展我国保险事业的有效途径的结论。

In the end, I propose five policy recommendations to stay away from fiscal crisis and the improvement of fiscal sustainability. They are to regulate the behaviors of the government's administration and the income distribution, to establish the mechanism of keeping stable growth of government revenues, to establish sinking fund, to form the mechanism of coping with the government emergency, to set up fore-emergency system, to reinforce the management of foreign liabilities, and to reduce the probability of the occurrence of contingent liabilities crisis.

最后，提出了六点开放经济条件下促进我国财政风险防范及财政持续性的政策建议，它们分别为规范政府行政与收入分配行为，形成财政收入稳定增长机制；建立偿债基金，构建政府应急反映机制；设立预警系统，防范债务风险；加强外债管理，防范外债风险；降低或有债务风险转化为债务风险的程度；加强财政政策与货币政策的协调配合。

The risk management measures generally include risk avoidance, risk precaution, risk split-up, risk post-compensation, etc.

信用卡风险管理措施一般有风险的回避、风险的预防、风险的分散转移和风险的事后补偿等。

The loan risk must be prevented in every each of loan examining system: at acceptation stage, systems of evaluation of enterprise\s credit grade and region loan risk grade need to be established, and at evaluation stage, quantitative analysis of loan risk is needed, and the risk needs to be transferred of dispersed via sponsion and do on. The present loan risk can be dissolved via loan increment.

风险防范需从贷款审批制度的各个环节抓起；受理阶段要建立企业信用等级和地区行业贷款风险等级评估制度，评审阶段要定量分析贷款风险，通过担保等转移和分散风险；现有贷款风险通过增量贷款等方式化解。

In this paper, based on the study of various methods calculating the risk occurrence probability, a new method TAA method was obtained, which was the combination of improved TOPSIS method, AHP method and ANN. This new method was used into the invest risk analysis of 019 project and calculation were carried out on the related invest risk occurrence probability caused by all kinds of risk factors.

本文在对各种风险发生概率计算方法的研究基础上，通过将改进的TOPSIS法、AHP法和神经网络相结合得到一种新的风险发生概率计算方法——TAA方法，并将其应用于019工程的风险分析中，对由各风险因素所引发的019工程风险的发生概率进行了计算。

In this paper, China's commercial banks personal financial business risk research as subjects, the main outlines the risks of Personal Financial Services, through theory and case-specific analysis of risk types, characteristics and causes of domestic banks, through drawing on the experience of control risk, and I have been combining the actual situation of commercial banks, commercial banks in our country on personal financial business risk prevention and management.

本文以我国商业银行个人理财业务风险研究作为选题，主要概述了个人理财业务的风险，通过理论与案例具体分析了风险的种类、特征与产生的原因，通过借鉴国外银行控制风险的经验，并结合我过商业银行的实际情况，阐述了我国商业银行个人理财业务的风险防范与管理。

This article analyzes the derivativescharacter of unbind and divert risk, points out derivatives can manage mixed risk of credit risk and market risk effectively as a new risk management instrument prior to the conditional ones, and explores the techniques of hedge which are used to manage credit risk, interest ratio risk, exchange rate risk to decrease risk and upgrade efficiency.

然后从金融衍生产品能够将混合在一起的风险进行分散并转移的特性着手，先对金融衍生品的避险功能进行分析，明确其对混合在一起的信用风险和市场风险进行有效的防范，是一种优于传统的风险管理方式的风险管理手段。

The four risks are of different aspect, but they are not isolated and uncorrelated but correlate with as well as affect each other.

信用风险、市场风险、操作风险、流动性风险是四个不同侧面的风险内容，但它们不是孤立的，分散的，毫不相干的；而是相互紧密联系、相互影响的。

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。