country bank

• Our country bank not good property origin is extremely complex , mainly has following several aspects the reason : ( 1 ) under the planned economy system , the " series receives series " and " dials changes loans the loan which history and so on " policy leaves behind down to form not good loans ; ( 2 ) 1 , 992 - in 1993 economical heat , the large amount fund flows to the real estate , the stock market and so on ; ( 3 ) for many years building redundant project , credit fund effect even more difference ; ( 4 ) local authority to financial organ intervention ; ( 5 ) the financial organ internal management is bad and so on
  我国银行不良资产的成因十分复杂，主要有以下几方面的原因： ( 1 )计划经济体制下， “统收统支”及”拨改贷”政策等历史遗留下来的贷款所形成的不良贷款； ( 2 ) 1992 1993年经济过热，巨额资金流向房地产、股票市场等； ( 3 )多年来重复建设，信贷资金效益甚差； ( 4 )地方政府对金融机构的干预； ( 5 )金融机构内部管理不善等。
• Major viewpoints are : ( 1 ) conducting the reason of the bank ' s non - performing assets to bank ' s credit loaning capital fiscal in the transition economy period ; ( 2 ) concentrating the way of foreign bank ' s non - performing assets disposal ; ( 3 ) evaluating the measure of our country bank ' s non - performing assets disposal to bring out des ; ( 4 ) citing the theory of enterprise governance structure to des and describing the theory foundation of dbs lies in the improvement of enterprise governance structure
  全文主要内容和观点为： ( 1 )系统地阐释了我国银行不良资产历史形成原因，即是经济转轨时期银行信贷资金财政化的结果。 ( 2 )总结了国外化解银行不良资产所采取的措施以及对我国的经验借鉴。 ( 3 )客观地评析了我国以往处置银企间债权债务的经验，提出债转股这一全新的制度设计。
• Therefore , along with the continuously push forward of the our country banking reform , the government wants to change a role gradually , end withdraw bank and buy a reorganization an activity to take charge of the identity management bank of and buy a reorganization an activity
  因此,随着我国银行业改革的不断推进,政府要逐渐转变角色,最终退出银行并购重组活动,以监管者的身份管理银行并购重组活动。最后,借鉴西方发达国家和eme国家在银行并购重组方面的成功经验,提出现阶段我国政府应如何定位,及相应的政策建议。
• The international financial industry mainstream is mixes industry the management , our country banking industry and the securities business implements is divided industry the management with a minute industry supervising and managing , along with to the financial industry control policy adjustment , the silver card cooperation has the broad prospect , implements mixes industry the management regarding the improvement state - owned commercial bank ' s financial condition , reduces our country finance risk to have the extremely vital significance
  摘要国际金融业的主流是混业经营，我国银行业与证券业实行的是分业经营与分业监管，随着对金融业管制政策的调整，银证合作具有广阔的前景，实行混业经营对于改善国有商业银行的财务状况，减少我国金融风险具有十分重要的意义。
• For long time , our country state - owned commercial banks are placed in the nation administration controlling and protecting , they have demand of commercial bank marketing activity , although heading for the market in recent years , and adapt to the same profession compete in the process , on the whole , our country bank still be short of supplies in managing idea and applying and there is a big gap between our commercial bank and foreign capital bank in the margin for competing with foreign capital bank
  这将对中国银行业这一受政策高度保护、开放程度较低的行业形成强烈冲击。长期以来，我国商业银行处于国家的行政性垄断和保护下，虽然近年来走向市场，适应同业竞争的过程中，也开始对商业银行市场营销活动的探索。但总体而言，我国银行在营销管理观念和应用水平上尚处在幼稚期，与外资银行存在一定的差距。
• At the same time the financial industry opening will cause our country banking industry faced with even more keen competition , its abundant capital strength , the perfect management system , the rich financing variety and the good structure of talent , will be able to bring the certain challenge without doubt to the our country overall competitive power lower banking industry
  同时金融业的开放将使我国银行业面临更加激烈的竞争,其雄厚的资本实力、健全的经营体制、丰富的融资品种和良好的人才结构,无疑会对我国整体竞争力较为低下的银行业带来一定的挑战。
• The fundamental rule that our country bank and securities industry tax system was regulated and reformed is : unit the domestic and foreign organization ' s tax system to be impartial burden , optimize the tax system , enlarge the levied tax range , clear - cut tax policy orientation entire frame and fundamental thinking that bank and securities industry tax system is as follows : first , construct the integrated bank and securities industry tax system and the negotiable securities trade tax system , achieve to adjust all levels different banks and tax revenue system that different banking capitals and prosperities segment are levied completely
  我国银行和证券业税制调整和改革的基本原则是：统一内外税制、公平税负，优化税制体系、扩大征税范围、明确税收政策取向。银行和证券业税制改革的整体框架和基本思路：一是构建完整的银行和证券业税制体系，实现对各级、各种银行及各种金融资产的各个环节全面征税的税收制度。二是构建整体配套、协调的银行和证券业税制结构，设计公平合理的银行和证券业整体税负水平、避免税收遗漏或重复征税问题。