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ICBC act as inland famous commercial bank,held most bushiness halftone dot and comprehensive client resource,held presently compare advanced data warehouse system ,act as a branch ,xuzhou branch want develop credit card business, first of all energetically promote use advanced data warehouse technique best to learn client effective demand, prepare stipulate for marketing policy,combine at specific business region endue difference ministrant ability,withal torsion gently state subsidiary bank banker"s card trade development slowness, competitive power not strong, market share and enterprise strength unmatched disadvantage complexion with torsion xuzhou branch banker"s card trade development slowness competitive power not powerful ,share of market and enterprise strength unmatched disadvantage situation share of market and enterprise strength unmatched disadvantage complexion.

本文认为,中国工商银行作为国内最大的商业银行,拥有最多的营业网点和广泛的客户资源,拥有目前国际上较为先进的数据仓库系统,作为基层分行的徐州行,要发展信用卡业务,首先应大力提升利用先进的数据仓库技术更好地了解客户的有效需求,从而制订营销策略,并在特定的业务领域提供差异化服务的能力,以扭转徐州分行银行卡业务发展缓慢、竞争力不强、市场份额与企业实力不匹配的不利局面,推动银行卡业务的可持续发展。

This article is the city commercial banks to the status of empirical study, based on this and other banks at home and abroad to carry out a comparative analysis of existing problems and carry out scientific analysis, and finally to improve the competitiveness of city commercial banks to promote their healthy development provide the corresponding countermeasures and suggestions.

本文就是要对城市商业银行的现状进行实证考察,在此基础上和国内外其他银行进行比较分析,并对存在的问题进行科学地分析,最后为提高城市商业银行的竞争力、促进其健康发展提供相应的对策和建议。

From the combinative perspective of information economics and contemporary...

本论文从信息经济学和现代金融理论相结合的角度,分析了国内外商业银行的信息披露现状,论证了信息披露在金融发展中的作用,并研究了中国的商业银行信息披露的制度性和技术性内容。

On that basis, the thesis pointed out the development trend of international commercial agency.

研究表明:尽管建立在区别论和等同论基础上的大陆法和普通法的代理概念及其表现形式之间虽存在着极大的差异,但这些差异首先只是学术性的,而且国际商业实践的发展在一定程度上已缩小了这种差异,两大法系关于代理的规定如同两大法系本身的发展一样,正在向着统一化的方向发展。

In recent years, domestic orgnaization participates in the pace of PE market to be accelerated stage by stage, the letter in be opposite, medium after gold casts pilot certificate business twice to evaluate continuously, card inspect can announce to will enlarge pilot limits moderately again, what the stockjobber that allows to accord with a condition can apply for to begin direct investment professional work to Chinese card inspect is pilot; And how does the commercial bank also participate in PE domain in active exploration, be versed in Jiang Jianqing shows a president, the commercial bank should run business to accelerate development capital, the bank must extend its equity to invest the investment space of the domain such as fund further.

近年来,国内机构参与PE市场的步伐逐步加快,在对中信、中金两家直投试点券商评估后,证监会又公布将适度扩大试点范围,答应符合条件的证券公司向中国证监会申请开展直接投资业务的试点;而商业银行也在积极探索如何参与到PE领域,工行董事长姜建清表示,商业银行要为加快发展资产治理业务,银行必须进一步拓展其股权投资基金等领域的投资空间。

As the patentability of electronic commerce business methods has become a concern around the world, many developed countries have taken the accomplishment not only in theory but also in practice.

电子商务商业方法的可专利性问题日益成为学者们讨论的热点与难点,在技术先进的西方发达国家,商业方法的可专利性理论与实践在近年来都有了长足的发展。

This text analysed the development status of foreign capital banks, the trait and predominance of them in China.

本文分析了外资银行在我国的发展状况,外资银行在中国的特点和优势,以及外资银行对我国商业银行的冲击,我国商业银行相应的战略举措。

This paper from the actual situation has analyzed the integer status of our banking, and mostly discussed the superior and inferior of the nation owned single proprietorship bank of commerce of our country after we joined WTO, and sums up that the nation owned single proprietorship bank of commerce of our country should take reforms in the finance system, pattern of management, and strengthen the credit risk management, expand retailing positively and construct the networking bank such as positive effective countermeasure so as to compete with the foreign banks.

该项研究,从实际出发,充分论述和分析我国银行业的整体状况,通过重点论述加入WTO后,我国国有独资商业银行在竞争中具有的优、劣势分析,总结出我国国有独资商业银行作为我国银行业主体应该在金融体制改革、经营模式转换,加强信贷风险管理,积极发展零售业务,构建网络银行等方面,采取积极有效对策,同外资银行进行竞争。

Along with the effectiveness of the customer relationship manager system in the domestic commercial banks,the customer relationship manager team plays a more and more important role for the development of the commercial banks.How to manage the team?What incentive mechanism to be implemented to motivate the managers to make efforts,which have become an understudying problem.

随着客户经理制在国内各商业银行的逐步确立,客户经理群体在商业银行的发展过程中日益体现出了十分重要的作用,如何管理好这个团体,采取怎样的激励机制来促使客户经理按照符合银行利益的方向努力工作,成为一个需要认真研究的问题。

There are some successful experiences in the countries throughout the world that we can use for reference Basing on Chinese reality and using of the international experience of other countries, the paper puts forward some short-termed and medium-and-long termed measures to start up Chinese folk investment through finance These measures are as f ollo~vs establihing polical financial channel building credit guarantee system for folk MS SE, integrating Chinese financial policy supporting greatly Chinese Medium-and-small financial institutions improving the service of state-owed commercial banks for MSSE.

本文在借鉴世界各国金融启动民间投资成功经验的基础上,结合当前我国民营中小企业发展中存在的实际困难,立足我国现实国情,提出了金融启动民间投资的近期对策和中长期对策,包括有建立政策性的筹资渠道、建立民间中小企业信用担保体系,完善我国的金融政策、大力支持我国中小金融机构的发展、改善我国国有商业银行对中小企业的金融服务、大力拓展银行中间业务、发展融资租赁业、以中小企业的整体重组促进投融资、发展风险投资、建立二板市场等。

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