However , with the economic development , changes in people ' s financial assets structure have taken place , which include not only the savings deposit in bank and negotiable securities , but also the ever increasing insurance purchasing 但随着经济的发展，居民金融资产结构发生了变化，不再仅仅包括银行储蓄存款和有价证券，而且选择购买保险的越来越多。
From the angle of the real example , chapter three analyses that though the pace of the finance deepening is moving forward overally , the structure of financial asset is lopsided and the securities market is serous lagged 第三章从实证的角度分析了我国金融深化总体推进的同时，金融资产结构却严重偏畸，证券市场发展滞后，说明证券市场是今后我国金融深化的关键所在。
Since the reforming and opening policy , the government of shanxi and datong formulated a series of favor - able policies encouraging foreign investment . datong city is nationwidely famous as the base of energy and 改革开放以来，山西省政府及大同市当地政府制定了一系列鼓励外商投资的优惠政策，大同市又是国家优化资产结构试点城市，合资企业可享受政府规定的所有优惠政策。
The asset structure , operation competence and earning power have positive correlation coefficient with bank efficiency , while rate of expanse to asset and the state ownership have negative coefficient 结果表明，资产结构、经营能力、盈利能力与银行效率正相关，资产费用率、所有权的国有性质与银行效率负相关。国有银行资产规模与效率负相关，股份制银行资产规模与效率正相关。
It has been demonstrated that by developing corporation bonds market and descending the percentage of financial assets of banks to gdp it could enhance the capability of the entire society to resist the financial risks 债券市场以及企业债券市场的发展问题受到了非常的重视。如何稳步发展我国企业债券市场,优化金融资产结构,推进金融市场的整体发展,成为当前我们面临的重要课题。
As a new financial product of commercial banks , consumer credit will be one of many points of prof it - increased of commercial banks . it will help to improve capital ' s structure , reduce the rate of bad loan and improve capital ' s quality 消费信贷作为我国商业银行的业务创新，被视作商业银行着力开发的利润增长点之一，它将有助于改善银行的资产结构、降低不良贷款率及提高信贷资产的质量。
So , not only monetization and security market emergence are the important variables discussed in this paper , but m _ ( 2 ) ' s specific role played in china ' s economy as financial asset is also crucial factor to determine money velocity 所以，在讨论了货币化假说、证券市场的影响之外，本文更详细的论证了我国货币作为金融资产的独特性以及其与发达国家由于资产结构不同而导致的货币流通速度效应。
Asset securitization plays a significant role in helping enterprises adjust their asset structure , widen fund resources and reduce financing costs . many asia - pacific and european countries have already developed it into a mature business and accumulated much experience on it 资产证券化对于企业调整资产结构、扩大资金来源、降低融资成本具有重要意义，在欧美及亚太国家已有了较为成熟的经验。
Furthermore the present conditions , problems and their causes of the enterprises assets structure are deeply analyzed . on the aforementioned discussion the micro strategies to optimize the assets structure of china enterprises are put forward against the actual conditions in china 对我国企业资产结构的现状、问题及成因进行深入分析，就能够从我国的实际出发，提出优化我国企业资产结构优化的对策。
Finally the paper put forward 4 countermeasures to better the development of sotgs : reform the property right system , consummate the structure of asset , foster the professional manager and scientifically instituting the development strategy 文章最后针对国有旅游企业集团发展的劣势，提出了国有旅游企业集团改革产权制度、完善经营资产结构、培育市场化的职业经理人、制定科学的发展战略这四条对策意见。
