满足顾客需求的能力是现代商业银行的核心竞争力之一。
The ability to meet customers' needs is one of the core competences of modern commercial Banks.
薪酬制度是现代商业银行公司治理中的一个重要组成部分。
The salary -system is an important part of the company govern of the morden commerce bank.
现代商业银行的资产负债管理的核心内容是银行资本充足率的管理。
The core of the modern commercial banks' asset liability ratio management is their supervision via capital adequacy ratio.
第二部分分析中国银行业应采取的相应对策，如：建立现代商业银行制度；
The second part presents the strategy domestic bank should adopt spontaneously. For example constructing modern-enterprise system;
并由此产生了现代商业银行一个重要的管理理论和管理技术—利率风险管理。
Thereafter, Interest Rate Management (IRRM), an important management theory and tool to the modem commercial banks was born.
信贷业务是现代商业银行最重要的一种职能，它对银行的经营有着重要的意义。
Credit business is the most important function of modern commercial Banks, which has important significance in banking business.
现代商业银行在处理交易和资金划拨中，对计算机信息系统的应用愈来愈频繁。
The computer informational system is used more and more frequently when modern commercial banks deal with the trade and transfer the capital.
自助交易将逐步取代银行网点交易，成为现代商业银行为客户服务的主流渠道。
Transaction based on self-service banking will replace tradional transiation of banking, becoming the main channel of customer service.
本文仅针对现代商业银行信息系统风险管理的探讨研究将具有现实的指导意义和参考价值。
In this paper, modern commercial bank risk management information system of research will be of practical significance for guiding and the reference value.
建立现代商业银行的核心是完善公司治理结构，公司治理安排的关键决定因素是股权结构。
The core of modern commercial bank establishment is to consummate corporation governance structure, and equity ownership structure is the key factor of Ownership Structure.
公司业务是现代商业银行业务的重要组成部分，公司业务所带来的收益是银行效益的基础。
Company business is an important component of the modern commercial banking business, the revenue from the company business is the basis of the revenue of the modern commercial bank.
现代商业银行以其特殊的经营对象，强大的社会影响力成为各国金融体系和经济体系的核心。
Because of the special managerial object and the powerful social influence, modern commercial Banks become the core of every country 'financial and economic systems.
以资本为基础的现代商业银行绩效评估体系有效地促进了商业银行经营理念和增长方式的转变。
Taking capital as the foundation of performance appraisal system in modern commercial bank can effectively promote the transformation of bank's management idea and growth way.
银行资本管理包括资本充足率管理和资本配置管理，是现代商业银行经营管理的重要组成部分。
The capital management of commercial bank, which includes capital adequacy and capital allocation, is an important part of commercial bank management.
现代商业银行体系由不同商业银行构成，并按照一定规则创造、传递、分配、派生资金和信息。
The system of modern commercial bank is made up of some different Banks, which creates, transmits, distributes, derives capital and information.
现代商业银行风险管理体系包括：风险控制组织、风险度量技术、风险规避技术、全面风险管理模式。
The risk control system of modern commercial bank covers risk control and organization, risk measurement technique, risk dodge skill, mode of risk management in an all-round way.
全面风险管理体系是现代商业银行有效运行的基础，是提升银行价值创造力、打造核心竞争力的保障。
Overall risk management system is the basis of efficient running for bank, and is also guarantee of upgrading value creativity and building core competition ability for bank.
现代商业银行作为保障国民经济运行的重要资金运营企业，公司治理与一般公司治理结构存在很大差异。
The modern commercial bank is the important fund operation enterprise to safeguard the national economy movement. Its company governs exists very big difference from the common company governs.
现代商业银行是以利润为经营目标，以多种金融资产与金融负债为经营对象，具有综合性服务功能的金融企业。
Modern commercial Banks are financial enterprises that have comprehensive service function. They aims at making profit, and its management object is manifold financial asset and financial debt.
资产负债管理是最有影响的现代商业银行经营管理方式，资产负债管理效率的高低直接影响着银行的竞争实力。
Asset liability management, or ALM, is a most influential operation and management method for modem commercial Banks. The efficiency of ALM affects the competitive ability of Banks directly.
内容提要现代商业银行的服务功能不断拓展，银行制度传统的经济关系、契约结构和所有权配置发生了重大变化。
The service functions of modern commercial Banks are keeping enlarging, consequently, traditional economic relation, contract structure and ownership allocation of banking system have greatly changed.
近几个月当农业银行在向投资者强调它是一家现代商业银行的时候，它在官方受众面前一直努力提高它的政策性地位。
So, even as it has emphasized to investors in recent months that it is a modern, commercial lender, with the official audience AgBank has sought to bolster its policy credentials.
核心风险理论认为现代商业银行的核心能力就是信用风险管理能力，是银行的核心价值所在，也是银行风险管理重点。
The core of risk theory that modern commercial bank's core competencies is the credit risk management capabilities, a bank's core values, and also the bank's risk management focus.
正因为现代商业银行体制特征集中体现在现代公司制度上，所以需要用现代公司理论来研究国有商业银行体制再造课题。
It is because modern commercial banking system embodies mainly the modern corporation system that studying state-owned system remaking needs modern corporation theory.
首先，作者简述了现代商业银行贷款定价的理论依据：信贷配给理论、利率的逆向选择、利率的激励效应和贷款担保理论。
Firstly, the author discusses the loan pricing theory, this means credit rationing, converse selection and inspirit effect, etc.
风险管理是现代微观金融学的一大支柱，也是现代商业银行的核心功能之一，因此，在商业银行管理中具有极其重要的地位。
Risk control is a corner stone of modern micro-finance and also one of the core functions of modern commercial banks, thus having a vital significance in the management of commercial bank.
最后，在文章的最后提出了相应的对策，就全面的解决中国现代商业银行流动性过剩的问题提出了新的看法和见解，以期指导实践。
Then, we concluded the corresponding countermeasures, comprehensive solution to China's modern commercial bank liquidity surplus of a new views and opinions with a view to guide practice.
最后，在文章的最后提出了相应的对策，就全面的解决中国现代商业银行流动性过剩的问题提出了新的看法和见解，以期指导实践。
Then, we concluded the corresponding countermeasures, comprehensive solution to China's modern commercial bank liquidity surplus of a new views and opinions with a view to guide practice.
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