国外银行

• They are not only much better than the internal financial institutions in capital , technique , operation stiles and management , but also have the advantage of mixed management , which can provide the “ one - stop ” financial service for customers . our financial industry will enter the mixed management times and bancassurance will develop soon
  在当前金融业的发展形势下,如何借鉴国外银行保险的成功经验,结合中国国情,采取切实措施促进银行保险的深层次发展,使之真正起到提升民族保险业综合竞争力的作用,是一个极其重要的问题。
• This essay is based on thoughts gained from the writer ’ s working experience on per rank of jobs related with banking insurance in the agricultural bank , the sichuan branch as well as the theories and knowledge learned from mba courses . on the basis of full and accurate investigation , the writer analyze deeply the problems existing in the banking insurance operation in the agricultural bank of china sichuan branch
  本文依据笔者在农行四川省分行银行保险业务各级岗位工作多年的经历与思索,结合在mba课程学习中的理论知识,在详实的调查基础上,深入分析四川农行银行保险业务存在的问题和原因,并借鉴国外银行保险的发展经验,提出加快发展银行保险业务的对策。
• After our country joins wto , the financial market opens large , foreign banks impact the local banks , the new basel accord about the enhance of managing credit risk , request of government about taking charge of banks strengthening , all put forward the higher request of loan credit risk
  我国加入世贸后,金融市场对外开放力度的加大,国外银行对国内银行的冲击,巴塞尔新资本协议对信用风险管理要求的提高以及政府对银行这一个特殊行业监管力度的加强,都对城市商业银行的贷款信用风险管理提出了更高的要求。
• But because its historical limitation , it still has very great disparity with the foreign banks in ideas , technologies and methods , etc . in order to pursue erm reform in our country , the commercial banks of our country must set up and amplify the management system of bank risk , and learn to grasp advanced risk measuring technology and information technology , cultivate advanced risk management culture and create good external environment condition
  我国商业银行已经开始开展银行全面风险管理革命，但是由于其历史局限性，在观念、技术、方法等方面与国外银行有很大差距。为了在我国推行银行全面风险管理改革，我国的商业银行必须建立健全风险管理体系，学习掌握先进的风险量化技术和信息技术，培育先进的风险管理文化和创造良好的外部环境。
• Now . our country ' s commercial banks have to face the changes caused by financial globalization , deregulation and multi - operation , also they have to face the pressure caused by the domestic and global banking competition , so how to improve the kernel competition strength and develop new financial productions are the problems which have to be solved immediately . all these problem need commercial bank information system to be more extensible
  在目前的金融大环境下，我国商业银行既要面对金融全球化、放松管制、混业经营所带来的种种变化，又要面临激烈的国内同行以及与国外银行的竞争压力，为此，如何提升银行的核心竞争力、开拓新的金融产品成为各家商行急切需解决的问题，这就需要银行的信息系统具备极强的可扩展性。
• On the basis of defining the scope of banks " non - performing loan , taking some successful preserving experience of banks " non - performing loans in foreign countries as the backgroud , considering the characteristics of credit funds in our state - owned commercial banks , through the method of comparative analysis , this paper analyzes the main reason of banks " non - performin loans comprehensively and systematically . also some practical suggestions aiming at solving those problems are put forward to the government , the law , the banks and the enterprises
  本论文在科学界定信贷资产保全研究范围的基础上，全面系统对我国国有商业银行信贷资产保全进行背景分析，运用对比分析方法，结合国外银行信贷资产保全的成功经验，探讨我国国有商业银行信贷资产保全的具体模式，并从政府、银行、企业和法律等不同层面有针对性地提出了具有操作意义的解决国有商业银行信贷资产保全的对策和建议。
• Learning from three loan - pricing models abroad and present related study , a prime rate marup revised pricing model combining market and customer orientation is developed , and the suggestions to the pricing of each part of the prime rate marup revised pricing model are given accordingly . secondly , previous domestic studies always use financial ratios in the quantitative research of credit analysis
  本文首先介绍了商业银行贷款定价及研究现状,在分析国外银行三种贷款定价模式各自优劣以及国内外贷款定价研究现状的基础上,提出了综合考虑贷款平均成本、风险、盈利和银客关系的贷款定价模式,即基准利率加点修正模式。
• The primary marketing theory of crm is 1 to 1 marketing which includes key theory such as cross - selling , up - selling , customer retain and so on , and other latest marketing methods . in the light of commercial bank " s present marketing institution in our country , this paper puts forward that the commercial bank should apply crm in order to manage the relationship between the bank and customer well . on the base of the foreign bank " s successful experience , the complete solutions be posed to raise the competitive capability of commercial bank
  针对目前我国商业银行客户管理的现状和方式，以及这种管理方式带来的弊端，本文结合客户关系管理的知识应用，提出在我国商业银行中实施客户关系管理的总体规划，包括管理理念、系统软件和解决方案，并借鉴国外银行实施客户关系管理的成功案例，为商业银行构建了一个较为完善的客户关系管理解决方案模式，并提出了实施crm应注意的问题。
• ( 2 ) the comparison of the defrayal and clearing system between china and the oversea four chapters are about the comparison including the introduction of international and oversea system and the comparison between chinese banks and oversea banks represented by american banks
  ( 2 )国外支付清算体系及与中国银行支付清算体系的比较对国外支付清算体系的介绍及与中国支付清算体系的比较共用了四节，主要介绍国际支付清算及国外银行支付清算体系，并将以美国为代表的支付清算体系与中国银行支付清算体系进行比较。