同时，两家银行均以零售和商业银行业务为基石。
But both Banks are deeply rooted in retail and commercial banking too.
第六个部分是商业银行业的产业组织政策。
The last part is the industrial organization policies of commercial bank.
商业银行业务的定义在这个世纪中已改变数次。
The definition of merchant banking has changed many times over the centuries.
科学合理的组织架构是商业银行业务有效运作的重要前提。
A rational organizational structure is an important prerequisite for the sound operation of commercial bank.
同时对我国商业银行业市场结构与绩效关系进行了实证研究。
At the same time, the relationship between market structure and performance in China has also been empirically studied.
接着，本文探讨了关系营销在我国商业银行业的可行性和必要性。
Then it discusses the feasibility and necessity of the application of relationship marketing in China's commercial banking industry.
商业银行业整体上资本金也严重不足，但监管者却不愿意让投资者进入。
The commercial Banks in the whole face a serious lack of capital, but the regulator wouldn't allow the new investors into the sector.
已有的实证研究表明，我国商业银行业务多元化在一定程度上能提高其盈利能力。
The former Empirical Analysis indicate that commercial banking's diversification of operation can enhance the ability of payoff in a certain extent.
营业网点是商业银行业务经营管理的重要阵地，其柜面服务更是商业对外服务的重要渠道之一。
Business outlets are important venues where commercial Banks carry out business operation and management. Counter service is still more an important channel of service to the public.
结果表明，外资银行的进入提高了国内商业银行业的效率，但是提高幅度不大，影响不是非常显著。
The results showed that the entry of foreign banks to improve the efficiency of the domestic commercial banking industry, but not to raise rates, impact is not very significant.
由于房贷在个人信贷中所占比重过高，很多银行的个人贷款余额都呈现负增长，成为上海商业银行业的一块心病。
The share of loans in the consumer credit too high and personal loans many banks are showing negative growth as a piece of the Shanghai Commercial Banking anxiety.
服务主体行为逻辑模型对我国商业银行业务实践具有重要的借鉴价值，为此应进一步研究商业银行服务提供所采取的策略。
The logical model of service provider's behavior has important reference value to our commercial bank's practices, and we should the tactics adopting by commercial bank service offering.
因此，专注于零售或商业银行业务的希腊国民银行(National Bank of Greece)或北欧的那些银行看起来状况不错。
So those such as the National bank of Greece, or the Nordic Banks, with a focus on retail or commercial banking, look good.
中间业务作为与资产业务、负债业务并重的银行支柱业务之一，近年来受到银行业的广泛关注，并成为各家商业银行业务竞争的焦点。
Intermediary business, as one of bank-supported industry, has been paid more and more attention and become the focus of banking competition in recent years.
本月初某些管理方式的变化暗示，答案是否定的：商业银行业务同零售银行业务分离，使得巴克莱零售业务如今成为独立性的全球业务部门。
A hint that it might not was implied in some management changes earlier this month: commercial and retail banking were split so that Barclays' retail banking is now a distinct global unit.
本文从阐述操作风险定义并从研究巴塞尔《新资本协议》入手，结合中国国情，提出了我国商业银行业操作风险的定义并绘制出操作风险主要内容结构图；
This text starts from explaining how the risk of operating is defined along with the study of " new capital agreement " of Basel with the consideration of China's actual conditions.
据微型银行通讯(MicroBankingBulletin)的研究报告，小额信贷业务剔除通胀因素后的资产收益率约为2.5%，与商业银行业务持平。
A study by the MicroBanking Bulletin puts the inflation-adjusted returns for lenders at around 2.5% of assets, on a par with commercial banking.
根据咨询公司诺瓦塔斯（Novantas）的说法，美国的零售银行业与商业银行业每年创造出大约7500亿美元的收入，或者刚刚超过全球银行业总收入的20%。
In America retail and commercial banking generate revenues of some $750 billion a year, or just over 20% of total global banking revenue, according to Novantas, a consulting firm.
“我的目的不是试图改变整个银行业的面貌。”德国商业银行总裁布莱森先生说。
"My goal is not to try and change the entire banking landscape," says Mr Blessing.
印度国家银行为印度最大的商业银行，控制全国近25％的银行业务。
The State Bank of India (SBI) is the country's largest commercial bank controlling around 25% of the total banking business.
在我国，信用风险是商业银行面临的主要风险，也是银行业目前所面临的所有问题的症结所在。
The credit risk is the major risk commercial Banks face and is also the crux of all the problems the banking industry is confronted with in our country.
在西方，个人银行业务是商业银行最主要的利润来源。
Personal banking is the chief source of profits for commercial banks in the West .
当商业银行提及其银行业务时。
中国商业银行经营效率低，竞争能力差，其原因在于中国银行业市场结构不合理。
The efficiency and competitiveness of China's commercial Banks is low, the reason lies in the unreasonable market structure of China's Banks.
贷款组合风险是商业银行的主要风险，由于贷款组合分配失误造成的新增不良贷款不断产生，是我国目前银行业面临的主要问题。
Loan portfolio risk is the main risk of commercial Banks. The nonperforming loan caused by the loan allocation mistakes, is the main problem of Chinese Banks industry.
贷款组合风险是商业银行的主要风险，由于贷款组合分配失误造成的新增不良贷款不断产生，是我国目前银行业面临的主要问题。
Loan portfolio risk is the main risk of commercial Banks. The nonperforming loan caused by the loan allocation mistakes, is the main problem of Chinese Banks industry.
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