本文主要从微观层面研究城市商业银行的效率。
This paper aims to study the efficiency of bank from the microscopic aspect .
城市商业银行是数量众多的中小商业银行的一员。
The urban commercial bank is regarded as a member of numerous medium and small commercial banks.
如何做大做强是所有城市商业银行最为关心的问题。
What all the city commercial banks are concerned of is how to become much bigger and stronger.
试探性地提出了城市商业银行核心竞争力的评价方法。
And then the paper put forward an evaluation methodology of core competitiveness of city commercial Banks.
建立了基于城市差异系数的城市商业银行效率评价模型。
We build a city commercial bank efficiency appraisal model on the basis of on city difference coefficient.
城市商业银行同众多竞争对手比较，既有劣势，也有优势。
Compared with many opponents, the city commercial Banks have both advantages and disadvantages.
西安、宝鸡两市设立有城市商业银行，机构网点152个。
The two cities of Xi'an and Baoji founded 152 network points of city commercial banks.
基准利差变化对城市商业银行的影响大于跨区域商业银行。
Capital base has positive impact on the cross regional bank and has few impact on the city commercial bank.
近年来，一些中小城市商业银行出现了财务贫困性增长的现象。
In recent years, finance poverty increase arises in the commercial Banks in some medium and small cities.
作为国内商业银行第三梯队的城市商业银行，普遍面临着严峻的挑战。
On the third level of domestic commercial bank, most city commercial Banks will face flinty challenge.
由于起点低、底子薄，城市商业银行在市场竞争中面临非常不利的局面。
Because of the low starting and poor foundation, the city commercial bank confronts disadvantageous aspect in the market competition.
区域性中小银行包括城市商业银行、农村商业银行、农村合作银行和村镇银行。
Regional Small and Medium Banks include Urban commercial Banks, Rural commercial Banks, Rural Cooperative Banks and Town Bank.
该方案已在某城市商业银行实施，运行效果好，对同类系统实现具有参考价值。
This solution has been successfully implemented in a commercial bank and kept good running there. Therefore, we think that it is worthy of reference to implement in similar system.
提出了城市差异系数原理，揭示地域性经济差异对城市商业银行效率评价的影响。
We put forward principle of city difference, area economic differences on the city commercial bank efficiency appraisal.
贷款损失拨备覆盖率大幅提高，城市商业银行贷款损失拨备覆盖率也达到114%；
The loan loss preparation coverage fraction enhances largely, city commercial banks loan loss provisions also achieves 114%;
考虑农村金融机构的特点，在制度设计上，如保费费率等要与其它城市商业银行有所区别。
Considering the features of rural financial institutions, they should be treated differently from other city commercial Banks in terms of deposit insurance requirements, like assessments.
风险管理是个银行业内老生常谈的话题，也是城市商业银行转型阶段所面临的主要内容之一。
Risk management is a subject that has been proposed for years, and it is also one of the main elements that city commercial banks facing in transformation.
城市商业银行作为国内金融业的小字辈，一直生存在国有商业银行和股份制商业银行的夹缝之中。
The urban commercial Banks have developed more difficultly than the state-owned commercial Banks and the joint-stock Banks because of their small scales and shorter developing history.
鉴于目前城市商业银行内控评价方法的缺陷，按照综合评价的思路，本文采用层次分析法进行改进。
Considering the shortcomings of present internal appraisal in City Commercial Banks, this paper adopted the comprehensive evaluation thought and improved related methods with AHP.
我国城市商业银行公司治理结构的严重缺陷表现为股权同质、三会制度缺位、内部人控制等诸多方面；
There are many disadvantages in our city commercial bank's corporate governance, such as shareholder homogeneity, absence of directorate, inside people control;
我行傅建华行长在会上作了题为《继往开来，努力开创新世纪城市商业银行的新局面》的大会主题报告。
President Fu Jian Hua made a keynote speech titled "Creating New Prospect for City Commercial Banks in the New Century".
如何在激烈的市场竞争中利用自己的优势、扩大银行的规模和经营范围是城市商业银行面临的重大课题。
Under the great pressure, the Commercial banks which were born from the urban credit cooperatives are facing a great challenge on how to expand the scale and scope in the violent competition.
但统计表明，各行消费信贷的规模仍未超过其信贷总规模的10%，有的中小城市商业银行甚至不到1%。
However, statistics show that the consumer line of credit has not yet exceeded the size of its credit 10% of the total scale, some small and medium-sized city commercial Banks and even less than 1%.
同时，将各城市商业银行放在平等的经济背景下进行比较，真实地反映了各城市商业银行的效率与竞争实力。
Meanwhile, putting the city commercial Banks in the fair economic background to compare the efficiency, can really reflect every city's commercial bank's efficiency and competition.
通过比较，城市商业银行之间的竞争程度不如全国性商业银行之间的激烈，这可以利用可竞争市场理论解释。
By comparison with city commercial Banks, the level of competition is higher at the market of nationwide commercial ones and the phenomenon can be explained by the contestable market theory.
最后，本文希冀提出的见解和对策能够为国内城市商业银行在激烈的市场环境下竞争力的提升尽一份微薄之力。
Finally, this article would like to make the views and resolvent to domestic commercial Banks in the fierce market environment to enhance the competitiveness of do something insignificant.
最后，本文希冀提出的见解和对策能够为国内城市商业银行在激烈的市场环境下竞争力的提升尽一份微薄之力。
Finally, this article would like to make the views and resolvent to domestic commercial Banks in the fierce market environment to enhance the competitiveness of do something insignificant.
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