As for the necessity of the foreign capital bank legislation supervision , this text discusses five reasons , namely : prevent the foreign capital bank from the control and damage of our national finance industry , protect the domestic banks not to encounter the damage of the false competition of the foreign capital bank , avoid and decrease the self - risks of the foreign capital bank , protect the customer ' s legal rights , prevent the disturbance of the domestic finance order etc . secondly , it analyzes the present legislative condition and existent problems , especially the modifications and the defects about regulation on foreign capital financial institution management and its detailed regulation 笔者认为这种必要性体现在如下几方面：防止外资银行对我国金融业的损害和控制，保护国内银行免遭外资银行不正当竞争损害，避免和减少外资银行自身的风险，保护银行客户的合法权益，防止扰乱国内金融秩序等。接着介绍了我国现行我国外资银行监管立法，阐述了新颁布的《外资金融机构管理条例》对旧《条例》的修改内容，既指出了新《条例》进步的一面，同时也深入地剖析了新《条例》关于外资银行监管立法仍然存在的不足和缺陷。
As foreign enterprises scrabble for the shareholdings of chinese financial enterprises frequently and more and more domestic financial enterprises struggle to be listed overseas , the authors point out that improper introducing of foreign funds will cause the outflow of wealth and endanger national financial security , thus losing the controlling power of china ' s economy 摘要本文针对近来外资频繁争夺中国金融业企业股权、国内金融企业争相排队海外上市的现象，指出金融企业引资不当，容易导致财富外流，危及国家金融安全，造成中国经济控制权的丧失。
Based upon the theory , this paper analyzes the annexation and reorganization in financial industry in the world and china , expounds that the local financial institutions in hunan province should , after china ' s accession to wto , change the traditional development strategy accordingly and puts forward that , in the entirely new business environment and faced with new opportunities and challenge , development is based on innovation 本文从基础理论入手，对国际、国内金融业并购重组发展状况进行深入剖析，阐述了入世后湖南省地方金融机构必须改变传统的发展战略，提出在全新的经营环境中，在全新的机遇和挑战面前，以创新求发展的新思路。
Chapter 3 : it studies the situation of internet banking in china , analyzes its issues , prompts the development strategies . we are now at primary stage of internet banking , on the basis of our financial environment , we should shape the future of online financial services according to our national conditions 我国目前信息化水平还不高，网络银行业务、电子商务还处于最初的发展阶段，因此我们应根据网络经济发展战略、网络金融发展阶段、国内金融环境等具体情况，设计与中国国情相适应的网络银行发展战略。
The former mostly includes finance trench , which consists of urban maintenance and constructive tax , add - ons of public utility , urban land - using tax , the debt of local government , remise of urban state - own land - using right and special national debt capital , and so on ; administrative charge trench , which consists of apportion , raising the price of urban infrastructure products and services , and so on ; practicality investing trench , which mostly consists of corresponding capital for urban infrastructure provided by real estate exploiters ; other financing trenches , which consist of time - limiting remise of operating authority on urban infrastructure section , introducing into foreign capital , short term loan of civil financing institution , and so on . the latter includes the innovation on the main investors , which consist of the anticipation of civilian capital and other non - financing institutions , and the innovation on financing tools , which consist of project financing , investment funds on industry , municipal bonds and initial public offering , and so on 前者主要指以政府作为投资主体下的各种融资工具，包括财政税收渠道(包括城市维护建设税和公用事业附加、城镇土地使用税、地方政府债务、城市国有土地使用权有偿出让、国债专项资金等) ；行政收费渠道(包括摊派、提高基础设施产品和服务的价格等) ；实物投资渠道(主要是让房地产开发商为城市基础设施提供配套资金) ；其它融资渠道(包括市政设施部门专营权有限期出让、引进外资、国内金融机构的短期贷款等) ；后者则包括融资主体的创新(民间资本的参与以及其它非银行金融机构的介入)和融资工具的创新(项目融资、产业投资基金、市政债券、股票上市等) 。
Since asia broke out the economic crisis in 1997 , the international and domestic economic risks have emerged continually . it is important to discuss , research and solve the problems that how to make decision , how to judge salvation , what efforts should be taken , how to make market exit and how to plan in law and policy system 1997年爆发亚洲金融危机以来，国际、国内金融风险不断显现，在金融风险化解和处置过程中，对有问题、有风险的金融机构如何进行化解决策、救助判断，采取何种急救措施，如何进行市场退出，法律、政策等制度上如何安排等问题在实践中间都有待探讨，亟待研究和解决。
Fu - hsiung chendepartment of financial operationnational kaohsiung first university of science and technology abstractsince 1980s , a large number of advanced countries have one after another disengaged from various kinds of finance control and , on the other hand , contributed to the innovation of new finance techniques and products as well as the integration of the global finance system 自政府开放新银行设立，国内金融机构家数与日剧增，金融机构间竞争激烈，导致金融机构授信品质不佳、逾放比过高及金融弊案频传，例如华侨银行事件、国际票券风暴、基层金融机构因地方派系纠葛及内部人员舞弊，而导致挤兑事件频传等。
In order to reduce the distance between domestic financial institutions and overseas competitors , and adjust our financial institutions to competitions of global markets as soon as possible , it is urgent to change thoroughly our out - of - date conceptions on the financial business and management , and enhance rapidly the managerial competence 加入wto ，预示着中国的金融业将步入开放的、竞争激烈的国际金融市场。为缩短我国金融业与国外同行的差距，满足市场竞争的需要，当前亟须解决的问题之一是如何尽快改变目前国内金融企业滞后的经营管理理念，提高经营管理水平。
Brief introduction of the subject , bcb , is given at the first part . development history of bcb is analyzed together with the current situation of domestic financial industry , with special emphasis attached to the status of hrm . the theme is thus developed that it ' s necessary to implement performance management within bcb , taking into consideration the pursuit of strategic target , the nurturing of corporate culture , the design of reasonable remuneration package , the scientific nomination and promotion of talented employees and target - oriented staff training 本文开篇对滨海商业银行这个研究对象进行了简要地介绍，并结合滨海商业银行的历史发展进程及当前国内金融业的形势着重分析其人力资源管理现状，在此基础上引出正题，从实施战略目标、灌输企业文化、设计公平合理的薪酬分配体制、科学有效地选拔调配人才、有的放矢地进行员工培训开发等方面指出了滨海商业银行进行绩效管理的必要性。
As china joined wto , the financial reform further develops and the number of the financial institutions keeps increasing , nowadays the competition among the financial institution becomes fiercer than ever . how to ensure the normal orderly development of the financial market in china is just the issue which many financial authorities and institutions pay close attention to and ponder on 随着我国加入wto和国内金融改革的深入、金融机构不断增加，各金融机构之间的竞争更加激烈，如何保证我国金融市场有序、规范发展，是我国金融主管部门和各金融单位都在关注和思考的问题。
