开放条件下我国商业银行服务营销动因分析

随着我国对外资银行条件的放宽,国外银行将大量进入中国.我国银行业面临的竞争日趋激烈.与经济发达国家的商业银行相比,无论是在金融产品方面,还是在服务营销方面,我国商业银行的营销理念和营销方式都存在着相当大的差距.本文从外因和内因两个方面揭示了我国商业银行服务营销的现状和不足.     

开放条件下商业银行人才储备与竞争战略

企业竞争的本质是人才的竞争,开放条件下的商业银行竞争环境发生了很大变化,银行业全面对外资开放,不仅外资银行开始经营人民币业务,国内较大的商业银行也开始在海外并购。国内银行业本身的竞争日益激烈,不仅体现在传统的存款和贷款业务的争夺,在中间业务创新和表外业务方面的竞争也更加激烈。由于竞争的对象和规则发生了变化,建立人才储备战略的必要性大大增强。     

我国商业银行大力发展中间业务的必要性及对策

根据世贸组织的规定，2005年我国将对外全面开放国内银行业市场，外资银行进入中国后与中资银行竞争的必然会是成本低、收益高、风险小的中间业务。而中间业务正是我国商业银行业务的薄弱环节。所以我国商业银行，只有大力发展中间业务，开展金融产品创新，才能改变目前中间业务发展缓慢、品种少、服务收费不合理等状况。才能在日益激烈的竞争中取得更的收益，不断发展和壮大。     

我国商业银行中间业务发展的思考

在我国银行业全面开放的大背景下,银行业竞争日趋激烈,我国商业银行在业务拓展方向上仍然以存贷业务为主,这不利于增强竞争力,因此发展我国商业银行中间业务已经是迫在眉睫。本文从我国商业银行中间业务发展现状、制约因素及对策建议三个方面阐述了中间业务发展的整体思路和对策建议。     

我国商业银行资产负债管理现状与对策

资产负债管理是重要的现代商业银行经营管理方式,其效率的高低直接影响着银行的竞争实力.我国商业银行的资产负债管理不仅起步晚,发展也还不完善,这在很大程度上影响了我国银行业的竞争力.现在,我国银行业的对外开放日益深化,银行竞争日益激烈,分析我国商业银行的资产负债管理的现状并找出问题和差距,有的放矢地改善我国商业银行的资产负债管理尤为重要.     

浅谈我国商业银行资产负债管理

资产负债管理是重要的现代商业银行经营管理方式,其效率的高低直接影响着银行的竞争实力.我国商业银行的资产负债管理不仅起步晚,发展也还不完善,这在很大程度上影响了我国银行业的竞争力.现在,我国银行业的对外开放日益深化,银行竞争日益激烈,分析我国商业银行的资产负债管理的现状并找出问题和差距,有的放矢地改善我国商业银行的资产负债管理尤为重要.     

WTO给中国银行业带来的机遇

经过十五年的艰苦谈判 ,中国终于如愿加入ＷＴＯ ,成为ＷＴＯ成员国。ＷＴＯ给我国银行业带来诸多机遇。(一 )引入国外竞争 ,有利于商业银行体系的完善。外资银行的进入为国内银行提供参照体系和竞争对象 ,将促进国内银行加快改革、加强管理。外资银行在技术、金融创新上处于领先地位 ,可以起到示范、激励和交流的作用 ,从而推动我国银行业技术改进和金融创新的进程。外资银行先进的管理理念和运行方式对提高国内银行的经营管理水平具有重要的借鉴意义。国内外银行业间的人才竞争和交流也有利于提高我国银行从业人员的素质。(二 )世贸组织的…     

我国商业银行中间业务发展探讨

由于观念落后、人才缺乏和竞争不规范等原因，我国商业银行中间业务的发展无论是在业务品种、规模、收入水平和服务手段等方面，都与发达国家银行存在着明显的差距，当前无论从银行业自身的经营状况来看，还是从加入WTO银行业面临的竞争来看，我国银行业发展中间业务的任务都是非常迫切的。《商业银行中间业务暂行规定》的颁布，以及网络经济的发展都为我国银行中间业务的发展带来了机遇；市场对中间业务的新需求，正是中间业务发展的潜力所在。我国商业银行要发展中间业务一方面要转变观念，另一方面要加大人才培养力度。     

我国商业银行中间业务的发展战略措施研究

商业银行中间业务是社会经济和信用关系发展到以低谷阶段的必然产物,是商业银行适应市场经济发展的必然结果.近几年,国内金融行业竞争日趋激烈,特别是我国在加入WTO以后,金融市场将不断放开,外资银行不断进入,资本市场迅速发展.要想在竞争中占得一席之地,就必须对银行收入结构进行战略调整.因此,发展中间业务是现代商业银行在竞争中站稳脚跟并赢得胜利的重要举措.本文就我国商业银行中间业务的发展战略措施进行了初步的探究.     

有效竞争:中国银行业的必然选择

加入世贸组织后，我国银行业将面临着严峻的挑战。要提高我国银行业的整体竞争力，必须形成有效竞争的市场机制。打破银行业的进入壁垒，加快国有独资商业银行的产权制度改革和制定反垄断法，是我国银行业形成有效竞争机制的有力措施。     

卡思卡特城堡

It is worthy of noting that, whilst Crookston Castle witnessed the earlier and happier portion of Mary's variegated life,     

不同的吃喝玩乐

一、吃和喝吃苹果 eat an apple, 吃药 take medicine,吃糖 have some sweets,吃饭 have one's meals,吃馆子 dine out,吃惊 be surprised/     

漏洞百出的教育

Many college freshmen arrive woefully unprepared to do college work, and as disadvantaged populations continue to grow, the share of the American work force that has made it through college is expected to plummet. Many experts blame that educational failure not just on high schools but also on colleges. School & College, a special report by The Chronicle, looks at efforts to fix the system. What reforms would better prepare students for college? What should schools and colleges be doing differently? How should state and federal officials help?     

Western and Eastern culture differences in commercial field

The communication of people partially is the communication of cultures. Culture has a direct effect on international commercial activities in all aspects. Different conceptions about time, space, equality, law and the like, lead people to deal with things in different ways. So to know cultures of the counterpart is to facil-itate our enterprises so as to have a smooth and successful communication in commercial activity.     

只要努力,不要后悔

There are numbers of crossroads on our long and unpredictable life journey where we totally have no idea about which direction to choose. No matter what our decision is, we should not turn back, but face the music and go ahead instead. I am this kind of girl who always does try without regretting, one example is how I dealt with my love.     

浅谈移民问题

Migration occurs behind a variety of reasons and has a great effect on the whole world. People may migrate in order to improve their economic situation, or in order to escape civil strife, persecution, and environmental disasters. The impact of migration is complex, bringing both benefits anddisadvantages. This paper briefly talks about the causes of migration, the allocation of benefits, and the ways in which individual countries and the international community deal with this important subject.     

Sister Carrie, an Adherent of Desires

Sister Carrie is one of the most controversial characters in American literature.Thought as a "fallen woman" firstly,she was defined as a "new woman" by some critics later. However, by digging into the motivaton behind the whole process of Carrie's "success", the relationship between Carrie and her creator (the author), the social conditions of then American, it can be found that Carrie has never been free-standing on her thought and she has never found her real-sdf even after becoming a famous actress. In a society dominated by mass consumerism Carrie is only an adherent of her own desires. She also is a representative of all those country girls flooded into cities, a symbol and a sacrifice of the urbanization of America in a time countryside was overcome by cities.     

Improvement of one-cycle controller by use of proportional integral differential controller

1.IntroductionOne-cyclecontrolmethod,whichwasproposedaboutonedecadeago[1],hasbecomeanattractivemethodinspecialfieldssuchaspowerfactorcorrection[2-6],switchingamplifiers[7,8],etc.Themainideaofthiscontrollerisbasedonintegrationofdiodevoltageinone-cycleandforcesittobeexactlyequaltothereferencevalue.Themainadvantageofthiscontrollerisitsrealtimeabilitytorejectthevariationofinputvoltage[1].Despitethisgreatability,ithasnogoodperformancesinrejectingofloaddisturbanceandfollowingreferencecommands.Espec…     

风的曲线

Rosco and I wait for the fishermen to return.I sit at a wooden bench near the store at Mt.Baker Resort and watch the clouds change shape. Rosco has my belt around his neck and an eight foot tow chain hooked to a tree. Dogs must be on a leash. Ducks and rabbits are loose.