存款

Based on the research of current situation of risk management of capital allocation for commercial banks both at home and abroad at present, this paper put forward a unified VaR theory framework and model by using reserve for bad debts, capital at risk and deposit insurance system. The reserve for bad debts, capital at risk and deposit insurance system are used to execute grading risk prevention and to develop a comprehensive quantification method that executing risk management to commercial banks.

因此，在对目前国内外商业银行资本配置风险管理现状进行研究的基础上，本文提出了包含损失准备金、风险资本和存款保险的商业银行资本配置风险管理的统一的VaR理论框架和模型，用损失准备金、风险资本、存款保险制度来分级防范风险，并在此理论框架和模型下发展出完整的从资本配置的角度对商业银行进行风险管理的量化方法。

In author's opinion, in theory and practice, the risk management through capital allocation for commercial banks both at home and abroad at present does not clearly define risk prevention functions of reserve for bad loans, capital adequacy ratio and deposit insurance system and does not use clear and quantitative theory model to guide the recognition of reserve for bad debts, capital adequacy and deposit premium ratio, especially without reasonable basis and model to support the management of 8% capital adequacy ratio for commercial banks by analysis of current condition of risk management for commercial banks both at home and abroad.

上述分析表明，目前国内外商业银行在资本配置风险管理中没有清晰地界定呆帐准备金、资本充足率和存款保险制度的风险防范功能，没有用清晰的、定量的理论模型来指导呆帐准备金、资本充足率、存款保险费率的确定，特别是商业银行8％的资本充足率管理没有理论依据和模型支持。

For example:Twain Buffalo prefers bank deposit and Dolphin prefers stock;Risk averter prefers bank deposit and insurance, Risk lover prefers foreign exchange and stock and Risk balancer prefers futures.

如台湾水牛较偏好银行存款，海豚族较偏好股票；而风险趋避型较偏好银行存款和保险，风险爱好型较偏好外汇和股票，风险平衡型偏好期货。

About 69 percent, or $623 biion, of the $898 biion total money stock in December 1991, was in the form of transaction deposits, of which $290 billion were demand and $333 billion were other checkable deposits.

至 1991 年 11 月底，大概69%，也就是8980亿美元的货币总量中的6230亿美元部分，都是以存款的形式存在的，其中的需求只有2900亿美元和3330亿美元其他的可支付存款。

About 69 percent, or $623 billion, of the $898 billion total stock in December 1991, was in the form of transaction deposits, of which $290 billion were demand and $333 billion were other checkable deposits.

在1991年12月的8980亿美元总存量中，大约有69%，或者说6230亿美元，是交易存款的形式，其中2900亿美元是需要的而3330亿美元是其他支票存款。

Banks are required to hold a certain fraction of their liabilities -- demand deposits and other checkable deposits -- in reserves held at the Fed or in vault cash.

银行须在美联储持有占其负债──活期存款和其他支票存款──一定比例的准备金或库存现金。

Of course, there may be many differences between people with savings and those without, so this merely suggests that Chetty is on to something.

当然，有存款的人与没有存款的人的情况可能有很多不同，因此这只是表明，切迪发现了一些东西。

Chetty found that those with savings do not take any longer to find a job when paid more generous benefits, while those with little in the kitty when they lose their jobs do.

切迪发现，那些有存款的人在救济金更高的时候，不愿意失业太长时间，而那些没有多少存款的人，则愿意等上更长的时间。

The deposit insurance system is an important way to maintain financial system safety. A lot of countries have adopted it in avoiding the risk of the depositors withdrawing money crowdedly.

存款保险制度是维护金融体系安全的重要机制，世界上很多国家都已采用存款保险制度以避免存款者挤提风潮带来的危害。

Article 14 The income from interest fruited by savings deposit before October 31, 1999 shall be exempted from individual income tax, where the income of interest is fruited by the savings deposit after December 1, 1999, individual income tax shall be collected according to these Measures.

第十四条储蓄存款在1999年10月31日前孳生的利息所得，不征收个人所得税；储蓄存款在1999年11月1日后孳生的利息所得，应当依照本办法征收个人所得税。

Since historical times,England ,where the early inhabitants were Celts, has been conquered three times .

从有历史以来，英国，在此地早期居住的是凯尔特人，已经被征服了三次。

Bluetooth OBEX File Transfer Enables the sending and receiving of files on your phone via Bluetooth.

蓝牙OBEX文件移动允许经过蓝牙传送和接受文件。。。。