The goods in question are the material goods and services that people consume-bicycles, food, banking services and so on.

问题中的产品是人们消费的物质产品和服务，比如自行车、食品、银行服务等等。

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So we must aim at the reality of our banking management, give operational, material and standard management system, and apply it into real banking management. It is effective that we do so.

必须针对我国银行经营管理的实际，提出有操作性的、具体的标准化管理体系，用于经营管理才能有实效。

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Last month, HMV said it faced a "probable" breach of its current banking agreements in February and was facing "material uncertainties".

BBC: HMV launches month-long 25% sale

The troubled music, films and games retailer said it faced a "probable" breach of its current banking agreements next month, and was facing "material uncertainties".

BBC: HMV warns over its future as sales continue to fall

So where will the banking commission end up on this question perceived as so material to the banks' respective futures?

BBC: The big question about a ring-fenced retail bank