銀行業務力學 的英文怎麼說

中文拼音 [yínhángyèwùlìxué]
銀行業務力學 英文
mechanics of banking
  • 銀 : Ⅰ名詞1 （金屬元素） silver （ag） 2 （姓氏） a surname Ⅱ形容詞1 （跟貨幣有關的） relating to curr...
  • 行 : 行Ⅰ名詞1 （行列） line; row 2 （排行） seniority among brothers and sisters:你行幾? 我行三。where...
  • 業 : Ⅰ名詞1 （行業） line of business; trade; industry 2 （職業） occupation; profession; employment; ...
  • 務 : Ⅰ名詞1 （事情） affair; business 2 （姓氏） a surname Ⅱ動詞1 （從事; 致力） be engaged in; devote...
  • 力 : Ⅰ名1 （力量; 能力） power; strength; ability; capacity 2 [物理學] （改變物體運動狀態的作用） forc...
  • 學 : Ⅰ動詞1 （學習） study; learn 2 （模仿） imitate; mimic Ⅱ名詞1 （學問） learning; knowledge 2 （學...
  • 銀行 : bank
  • 業務 : vocational work; professional work; business; service; traffic; transaction
  1. According to these questions, we could find the material countermeasures : scientific property rights should base on the stock reforming, control the agent ' s " seeking rent " behaviour, eliminate the controlling of state stock ; bank should firmly circumfuse operational, informatics, normal objects, make out rigid interior institutions ; considerated our financial material situations, the institution of supervision should integrate the interior supervision and exterior supervision and leave on indirect supervision. we should fast establish a leading supervision system without changing the segre gation situation, so as to support a better environment for innovation and also better keep away innovation risk

    針對這些原因，提出了如下對策：科學的產權制度應對商業銀行實施徹底的股份制改造，減少內部人控制現象，克服國有股一股獨大現象；商業銀行應緊緊圍繞「操作性目標、信息性目標、合規性目標」三大目標，建立互相制衡、有力約束的剛性的內控制度；考慮我國金融業的具體情況，新的監管制度以間接監管為主、內外監管相結合，建立由央行為首的「牽頭監管模式」 ，統一金融監管，給銀行業務創新提供一個較為寬松的環境並且實現對業務創新的風險的有效防範。
  2. First, it establishes a theoretical framework for commercial bank competence on the basis of extensive literature review and the integration of related theories in general and financial economics. secondly, a multilevel index system is established in this dissertation consisting of three major key elements of knowledge innovation, organization ability and basic circumstance, which solves the problem in existing competitiveness evaluation study which only concerns the current, security and profitability in banks ’ finance neglecting the comprehensiveness or dividing the hierarch of evaluation index system. thirdly, this dissertation empirical analysises the competitiveness of the china ’ s commercial bank, and bases on the actuality analysis of competitiveness of the china ’ s commercial bank and empirical research conclusion, puts forward self viewpoint to how

    然後，融入經濟學、金融學的相關理論，構建了商業銀行競爭力的理論框架;二是將構建了一個包括知識創新、組織能力和基礎環境三大商業銀行競爭力構成要素的分層次評價指標體系，解決了現有研究存在的或只評價財務表現，或只關注銀行「三性」 ，使得評價缺乏全面性的問題，並彌補了某些研究指標體系缺乏層次性的不足;三是實證研究中國商業銀行競爭力，並在對中國商業銀行現狀分析和實證結論的基礎上，對如何提升中國商業銀行競爭力提出了自己的觀點。
  3. This text starting from the concept and characteristic of bank intensive administration, it expounds the advantages and disadvantages in intensive and extensive administration and puts forward a thought in a style of intensive administration in accordance with the present style of extensive administration used in chinese banks which are high input, high consumption, low quality and low output. in the style of intensive administration, the bank will teamster the sources of nwu finance > capital from the low parotid area, net dots, business category, service objects. by the way of continuous, moiling source distribution scientifically and efficiently, with the help of scientific administration and modern scientific and technological method, it can improve pre personal profit and add to the whole profits at last

    本文從銀行集約化管理的概念及特徵入手，闡明了粗放型管理與集約型管理的利弊，針對我國目前銀行高投入、高消耗、低質量，低產出的粗放型管理方式，提出採取集約化管理方式的思路，銀行將人力、財力、資金等資源，從效益低的區域、網點、業務種類、服務對象進行轉移，使資源在不斷流動的過程中得到優化配置，再輔之以科學管理和現代科技手段，提高人均效益，最終增加總的效益。
  4. Beijing municipal government, fangshan district government, business council, commerce and industry bureau, safety supervision bureau, china petroleum and chemical industry association, petrochina company limited, china petrochemical corporation, china national offshore oil corporation, sinochem corporation, china national chemical corporation, state - owned banks, and insurance agency all participate actively and lend their all - out support

    北京市、房山區政府及市商務局、工商局、安監局、中國石油和化學工業協會、中國石油、中國石化、中國化工集團及國有銀行及保險公司積極參與並大力支持交易市場的建設和發展。
  5. Firstly, by an in - depth study on chinese commercial banking and their foreign counterparts, this paper points out the great differences of intermediate business innovation between chinese and western commercial banks regarding innovation products variety, scale, technology, etc. secondly, comparing the institution regarding intermediate business innovation and microeconomic - body behavior of chinese commercial banking with foreign ones within an analysis framework from the perspective of institutional economics and game theories, this paper shows that a number of reasons account for the emerging of intermediate business innovation, including external economic environments as well as internal factors within the financial system and technology, among which the institutional factors within the financial system being the most important. at the same time, by comparison with western developed countries " counterparts, the innovation of chinese banking institution lags far behind the development of banking business in main aspects of property rights, managerial system, compensation arrangement and organization system. thus, the backward innovation of banking institutions and twisting microeconomic - body behavior seriously strict intermediate business innovation

    本文首先通過對中外商業銀行進行較為深入的調查研究指出，與西方發達國家商業銀行相比，我國商業銀行中間業務創新無論是在業務創新品種、規模上還是在技術手段上，都存在著巨大差距；其次，運用制度學分析和博弈分析框架將中外商業銀行中間業務創新制度及微觀主體行為進行比較得出：商業銀行中間業務創新產生的原因有多種，如外部經濟環境因素、金融體系內部因素和技術因素等，其中最根本的是金融體系內部的制度性因素；與西方發達國家商業銀行制度相比，我國銀行制度創新遠遠落後于銀行業務的發展，主要表現在產權制度、經營制度、分配製度和組織制度等方面；銀行制度創新的滯后及其微觀主體行為的扭曲嚴重製約著中間業務創新，尤其是我國銀行產權關系不明晰，在國有獨資產權框架下政府? ?行長及上級行長? ?下級行長兩種委託代理行為帶來了嚴重的問題，導致了我國銀行中間業務創新動力不足。
  6. Moreover, it compares the state - owed commercial bank with big 1000 banks in the world, the branches of foreign capital bank in china and the main commercial banks of a few developed countries and puts forward the advantages and deficiencies in realistic competitive power and potential competitive power of state - owed commercial bank of our country. through the study on evolving course of the state - owed commercial bank of our country, the thesis has analysed it ' s history of the development and current situation, and has made a detailed analysis and evaluation of the environmental factors which have influence upon the core competitive power of the state - owed commercial bank, and then offered seven suggestions that promote the core competitive power of the state - run commercial bank : accelerating paces of the reform in the property right and managing mechanism transformation of the state - owed commercial bank ; making innovations of service for strength and competing for high - quality customers ; probing the ways of dealing with bad assets of the state - owed commercial bank ; improving the marketing strategy of the state - owed commercial bank on the market ; setting up the corporate culture according with the state - owed commercial bank ; improving the bankers " quality ; constructing the organization for the studying type in the state - owed commercial bank

    本文在深入調查研究並閱讀大量的文獻資料的基礎上，對企業核心競爭能力相關理論進行了探討和研究；構建了國有商業銀行核心競爭能力分析的基本框架和指標體系；將國有商業銀行與世界1000家大銀行、在華外資銀行分支機構、以及幾個主要發達國家的主要商業銀行進行了比較分析，從而提出我國國有商業銀行在現實競爭能力、潛在競爭能力方面的優勢與不足；通過對我國國有商業銀行的演變過程的研究，分析了其發展的歷史和現狀，並對影響國有商業銀行核心競爭能力的環境因素進行了較為詳細的分析和評價；進而有針對性的提出了提升國有商業銀行核心競爭能力的七點對策：加快國有商業銀行產權改革和經營機制轉換步伐；加強服務創新，競爭優質客戶；探索國有商業銀行不良資產處理途徑；完善國有商業銀行市場營銷戰略；建立符合國有商業銀行的企業文化；提高銀行家的素質；構建國有商業銀行學習型組織。
  7. The tax treatment is unfair among different businesses and different tax - payers. the abnormal taxation certainly results in the abnormal development of the bank and securities industry. the difference between the taxation of china bank and securities industry and the foreign taxation that include the taxing scope, the abstraction and materialization of taxation, the taxation operation, the sanction and transparency of tax law, the seriousness of taxing administration and tax policy choice, not only provide the opportunity for the foreign finance institution which can carry out tax planning, moreover tax equity, but also likely lead to that the foreign finance institution lack confidence to china market and policy, finally affect its investment and result in tax unfairness among tax - payers

    長期以來，我國財政與金融的特殊關系使得財政對銀行業實行「特殊」的稅收政策，銀行業整體稅負高於製造業以及非金融性的服務業，中資金融企業稅負高於外資金融機構，過重的稅負使得銀行資本充足率難以保證，發展失去后勁；二是我國銀行業和證券業稅制結構不合理、稅制不規范、不科學，銀行和證券業內部不同行業、不同納稅人之間稅收待遇不公平，畸形的稅制必將導致銀行與證券業的畸形發展；三是我國銀行業和證券業稅制與外國稅制的差異，包括征稅范圍大小、稅制的抽象化與具體化、稅制的可操作性、稅收法律約束力和透明度、稅收執法的嚴肅性等差異，不僅給外資金融機構進行稅務籌劃甚至偷逃稅提供了可乘之機，而且還可能使得外資金融機構對中國市場、對政府政策缺乏信心，而影響其投資，也導致納稅人之間稅負不公。
  8. For the sake of enhancing competitiveness in world trade organization, commercial banks need to position themselves correctly, raise their technique level, improve financial innovation, develop intermediate business, establish scientific human resource mechanism. all these measures rely on preventing further increase of non - performing loans and gradual resolve of historical bad loans. only with fewer burdens of bad loans, can the commercial banks enhance their competitiveness

    因此，中國加入wto后，提高城市商業銀行綜合競爭力不但要採取準確的市場定位、提高金融技術含量、促進金融創新、大力發展中間業務、制定科學的人才管理體系等金融策略，而且更需要尋找降低不良資產增長率和逐步消除存量不良資產的金融策略，才能使城市商業銀行輕裝上陣，提高資產營運效率，從根本上適應激烈的市場競爭。
  9. Abstract : setting out from the characteristic of house financial markets actual in china, a deeply analysis in varies risk and its causes is made. a few countermeasure keeping away house financial risk, for instance developing house financial serving organization such as the broker buildup by certification lawyers and classify insurance and excessive pledge and conforming house mortgage rate reasonably and evaluating loan repay ability in science is put forward

    文摘:從我國目前住宅金融市場特點出發，深入分析了銀行貸款面臨的各種風險及其產生的主要原因，提出了發展以執業律師為主體的住宅金融服務機構? ?抵押貸款經紀人、分類保險、多重保證、合理確定房產抵押率、科學評估貸款人償貸能力等具體的金融風險防範對策
  10. By investigating the internal control over credit business of china agricultural bank, jiangzhou branch, this paper points out that the internal control of this bank is neither perfect nor valid. there are flaws in evaluating the materials offered by clients, ranking credits, setting guarantee measures, etc. after analyzing the reasons that lie behind these flaws, this paper puts forward the author ' s some advice on how to set up more efficient banking internal control system, how to improve its execution, and how to harmonize internal control with banking supervision

    本文結合商業銀行內部控制建設應遵循的目標及原則，針對江州市農業銀行信貸業務內部控制現狀，運用經濟學的委託代理理論和信息不對稱理論、組織行為學的公平理論以及戰略管理的pest和space分析方法，較深入地探討了該行內部控制存在的制度不健全、執行不得力、員工素質和內部審計不適應需要等問題及產生問題的原因。
  11. But the key factor is its effective systematic arrangement such as the strict and standard administrative structure, the efficient organizational structure and the administrative system of the business expansion, which are the internal guarantee of the success of the businesses in the western investment bank. the strict administrative system of finance guarantees the mobility, the efficiency and the security of its assets ; the labor administration guarantees the source of the developmental energy for the bank which requires the knowledgeable labor ; the strict and scientific internal risk - control system guarantees the orderly development of the businesses in the western investment banks

    如，嚴謹規范的公司治理結構、運作高效的組織結構、內涵擴張的業務管理體系是西方投資銀行各項業務成功拓展的內在保障；嚴謹的財務管理體系確保其資產的流動性、效益性和安全性；人力資源管理是以知識密集型的投資銀行提供發展動力之源為宗旨；嚴密的內部風險控制體系以及科學的風險管理制度為投資銀行各項業務的有序開展提供了安全保障。
  12. It systematically studes the microeconondc problem of retail bankin from the point view of macroecondrics, history and thcory for the first time. the visual ange is differen from the other acadeinic works on this topic. the dissehation probes the theory on fctail banking whie penwtg into the real - bill. theory, shiftability theory, the atiopated income thcory, otc, pod forward the five hindranes from retail banking table proposals on how chinese connnercial banks develop retail bankng and exoatiates on the marketin straegies, after investigating the social and economc background in which retail bw developed

    本文的特色和新貢獻是：首次從宏觀的、歷史的、理論的角度出發，較系統地研究商業銀行零售業務這一微觀的問題，有不同於相關學術著作的新視角和體系；在深入研究真實票據理論、轉化能力理論、預期收入理論、負債管理理論和超貨幣供給理論等金融理論的基礎上，探索出零售業務產生和發展的理論基礎；通過對中外零售業務發展的經濟和社會條件的比較研究，提出中國商業銀行發展零售業務存在的五大障礙以及五個方面的政策選擇，並從營銷學角度對商業銀行零售業務的發展提出了營銷策略組合，闡述了逐步開展網上銀行零售業務的主張和思路
  13. Under the market economy of circumstance, specially after we joined wto, along with the finance open step by step, the compete of banking became more and more impetuosity, the compete of operation is realized by the compete of person finally. for a commercial bank, if you want to remain invincible in market compete, you must set up an adaptive manpower resource opening system, moreover performance assess and encourage system that regarded as cure content is particularly important. scientific and effective performance assess and encourage system can dig employee potential fully, optimize the resource configuration of corporation. actualize effective system. at the same time the corporation realize manage aim, also make the operator and employee realize oneself importance, satisfy oneself demands, hence make themselves gain permanent compete

    在市場經濟環境下，特別是我國加入wto后，隨著金融業的逐步開放，銀行業的競爭日趨激烈，業務的競爭最終是通過人才的競爭來實現的。作為一家商業銀行要想在市場競爭中立於不敗之地，就必須建立相適應的人力資源開發系統，而績效考核與激勵系統作為其中的核心內容顯得尤為重要。科學、有效的績效考核與激勵系統，能充分挖掘員工的潛力、優化企業的資源配置；有效的系統實施，既能使企業的經營目標的以實現，又能使經營者和員工的自身價值和需求得到滿足，並因此而使企業獲得持久的競爭力。
  14. The merged charges of university make people be aware of more and more education is a kind of investment, and would like to invest education, at the same time, international community and every locality area is in the aspects of university student subsidizing of positive revolves to also affect the our country, the state student - aided loan policy under this kind of background out set

    高校並軌收費使人們越來越意識到教育是一種投資，並且願意投資于教育，同時世界各國和各地區在大學生資助方面的良性運轉也影響著我國，國家助學貸款政策就在這種背景下出臺。國家助學貸款政策的出臺有力地支持和促進了教育的改革和發展，且能夠為銀行開拓新市場、擴大業務、提高企業形象，帶來經濟和社會的雙重效益，對一個國家的發展具有一種潛在的、長遠的效益。
  15. The honourable choy so - yuk, jp, chairperson of panel on environmental affairs, legislative council, mr joseph lee, bbs, jp, chairman of ecc, mr roy tang, deputy director of environmental protection, mr chris wardlaw, deputy secretary for education and manpower, mr george tam, convenor of education working group of the ecc, mr lee wing hung, chief financial officer of bank of china hong kong limited, dr eric tsang, centre for citizenship education, hong kong institute of education, mr eric ching, principal consultant of hong kong productivity council, and dr carrie willis, executive director of vocational training council, officiated at the ceremony

    立法會環境事務委員會主席蔡素玉議員， jp環保會主席李宗德先生， bbs ， jp環保署副署長鄧忍光先生教育統籌局副秘書長王啟思先生環保會教育工作小組召集人譚兆炳校長中國銀行香港有限公司財務總監李永鴻先生香港教育學院公民教育中心曾寶強博士香港生產力促進局首席顧問程明錦先生及職業訓練局執行幹事邱霜梅博士擔任是次典禮的主禮嘉賓。
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