We hope the rfp exercise will help identify a suitable business partner or contractor for hkpca , who will be better placed to develop new value - added services and e - commerce applications that can drive the utilisation of e - certs and engender a self - financing operation 我们相信私营机构应可更有效地开发新的增值服务及电子商业应用方案，从而提高电子证书服务的使用率及达致财政自给的营运模式。
Up to now the main operation of our commercial banks is still deposit & loan providing , which takes above 90 percent of the total banking revenue ( meanwhile in the usa , the proportion is only 60 percent ) . while the national economic growth along with the increase of people ' s living standard , as well as the consumption - stimulating policy of our government , will all provide a broad space for the individual financing operation development of our country ' s commercial banks 我国商业银行目前的主营业务仍是存贷款业务，目前该项业务的收入占总收入的90以上(在美国，这个比例仅为60 ) ，这在金融业即将发生巨变的今天，很显然已不能适应可持续发展的要求，银行势必要通过开发其它业务获得新的利润增长点。
As vice president of global sales finance , julio is responsible for managing all of google s sales - related finance operations , including revenue forecasting , expense budgeting , partner deal modeling , sarbanes - oxley compliance , sales team quota - setting , as well as sales operational analysis and reporting for senior management Miriam目前带领google的法律团队，负责企业商业国际与技术上的运作。早期她担任副法律总顾问一职，管理公司的商业与策略结盟实务操作。 miriam也为google建立许多策略伴关系，其中包括aol和aol欧洲，以及早期的伴如yahoo
The implementation of operational security was illustrated by the practice of personal operations , public operations and bank certificates operations , etc . under the endeavors of the author and other colleagues , through the using of call center system as the operation working platform and the website www . 95599bj . com . cn as the main accessing net station for clients , e - banking system of beijing agriculture bank has successively developed such services as finance information , introduction for financial products , enterprise and personal finance operation disposals , bank certificates operations , funds , long - term trade for foreign exchange , internet electricity purchasing , capital checking bulletins for administration for industry and commerce , integrated financing cards , the opening of all the above services has built up a favorable image for our bank 目前，北京农行网上银行系统以已经投产的callcenter系统为业务处理平台，以我行www . 95599bj . com . cn站点为对外客户访问的主网站，相继开通了金融信息、金融产品知识介绍、企业和个人金融业务处理、银证通业务、基金、外汇买卖远期交易、网上购电、工商局验资公示、综合理财卡等服务，为我行树立了良好形象。最后，本文提出了网上银行系统业务的不足之处，提出了学习信息安全的收获及我国网上银行业务发展对策。
Based on the seco nd and third part , the last part of this thesis prospects a bright development future trend of the individual financing operation in chinese commercial banks . future individual financing operation will be more comprehensive , net - based , brand - constructed and individual , also will be charged 第四部分是在针对第二部分我国商业银行开展个人理财业务过程中存在的问题以及第三部分提出的可采取的相应措施策略的基础上，展望了我国商业银行个人理财业务未来的发展趋势。
Secondly , on the basis of the harmfulness of personal credit ' s problem to banks that develop individual finance operations and its existing circumstance , the paper discuss the different layers of the reason that cause credit problem of bank - individual relations . and the obstacles of resolving the crisis are argued 接着，文章从我国个人信用问题对银行开展个人金融业务的危害性以及现状出发，力图找出导致这种现象的原因(浅层的和深层的) ，以及目前解决这种现象的障碍因素。
Beginning with the definition , the main contents of the first part are about the basic principles and general introductions of individual financing operation . following the definition of individual financing operation are its significance and classification , the evolvement process of individual financing operation is also mentioned in this part 介绍了个人理财业务的概念，分析了我国商业银行开展个人理财业务的意义，介绍了个人理财业务的品种划分，并从理财品种、理财手段、理财服务方式三个方面阐述了我国商业银行开展个人理财业务的演变过程。
Since 2001 the government has issued a series of policies , such as notice of people ’ s bank of china on regulating housing finance operation , notice on more enhancing real estate generic credit operation management , direction on risk management of commercial bank real estate generic loan and so on , standardizing real estate market and step to step contracting loan about real estate corporation 为了防范银行风险,自2001年,国家出台了一系列政策: 《中国人民银行关于规范住房金融业务的通知》 、 《关于进一步加强房地产信贷业务管理的通知》 、 《商业银行房地产贷款风险管理指引》等规范房地产市场,逐步紧缩对房产企业各环节的贷款。但是,一直以来银行信贷是房产企业主要的融资渠道,这些金融政策在很大程度上直接影响了房产企业的经营。
The system uses uml method to analyze , and then create the function model and object model . the system is divided into two sub - systems according to its function . they are culture operation and finance operation . every one of they can be divied into some sub - systems which are independent of each other , but works with 系统采用uml方法进行系统分析，建立系统的功能模型和对象模型，通过建立模型，更好的全面理解系统。系统在功能上分为文物业务和财政业务两大部分，这两个部分又分为几个子模块，各个模块的功能相对独立，但在整个系统中关联又十分紧密。
