Therefore , we elaborate deeply the connotation of eva theory and use the successful experiences in applying eva to judge management performance and stimulate with western banks as reference , this paper analyses the interior and exterior environment in which our commercial banks are facing in applying g for eva as the criteria of management 因此,有必要大胆地借鉴国外银行eva管理的成功经验,构建我国银行业eva绩效评价系,应包括绩效评价和激励机制等方面的内容。建立以eva为核心的激励机制使经营者和员工的劳
Apparently , this comparison is conducted in order to increase the competitive advantages of all banks in china not at the expense of other non - state - owned commercial banks . thus an evaluation and prediction of the characteristics of the market structure of china ' s banking system must be made in the process of comparison . second , a comparison of the competitive advantages between state - owned commercial banks and foreign banks in terms of all concrete indicators and mechanisms is made , through which the weakness of state - owned commercial banks in international competition could be detected and eliminated , meanwhile the future competitive and development strategy could be determined 实际上，国有商业银行作为中国银行业的中流砥柱，其竞争力问题的探讨至少包括两方面内容：一是国有商业银行的竞争力在国内表现为与其他各商业银行的竞争，当然，这种比较是建立在中国银行业综合竞争实力总体得到提高而非牺牲其他商业银行的利益的基础之上，因此在这一比较过程中必须对我国银行体系的市场结构特征做出判断和预测；二是与国外银行在竞争力各项硬性指标以及制度机制等方面的比较，通过比较发现并弥补国有商业银行国际竞争中的劣势和不足，确立其未来的竞争与发展战略。
This thesis takes zhenjiang city commercial bank ( zccb ) as the research object , stating with the basic theory of credit risk by way of analyzing in combining the theory into practice , and then deeply analyzing the current status and credit risk system in order to find the weak aspects on the basis of research , and with consulting foreign banks " advanced means in controlling credit risk and with importing the credit risk management system project , specially importing the model of crdeit metrics , the most important means in measuring the var value of credit risk in the above mentioned project , and then puts forward the conclusion that the means in managing the credit risk is changeable and dynamic with using synthetic ways in accordance with the practical status , and also advises how to improve the credit risk management on the part of zccb 本论文以镇江市商业银行为研究对象，从商业银行信用风险的基本理论入手，运用理论和实践相结合的分析方法，深入分析了镇江市商业银行的经营现状和镇江商行信用风险体系，找出其薄弱环节。在此基础上，借鉴国外银行信用风险管理先进手段，引进信用风险管理系统工程，特别是此系统工程中最为重要的信用风险量化手段creditmetrics模型测算风险的var值，构建了镇江市商业银行信用风险管理的模型，提出了在强化信用风险管理相关环节的同时，必须进行raroc考核，以评定相关信贷人员的业绩及分配风险资本。并针对镇江市商业银行的实际，提出了改进镇江商行信用风险管理的措施建议。
Now our country has entered the wto , and the commercial banks of our country are faced with great challenge from foreign banks . so it is very important for the commercial banks of our country to study foreign theory and practice of reengineering the bank , and draw some valuable experience from them for the commercial banks of our country 随着我国加入世界贸易组织，我国商业银行面临着国外银行的极大挑战，因此研究国外银行再造的理论和实践，从中总结出可供我国商业银行的学习和借鉴的宝贵经验，对于我国商业银行具有十分重要的意义。
In fact , the study on the competitive advantages of state - owned commercial banks , which is the backbone of china ' s banking industry , must at least include the two following aspects . first , domestically , the competitive advantages of state - owned commercial banks are revealed in the process of competition with other non - state - owned commercial banks . thus an evaluation and prediction of the characteristics of the market structure of china ' s banking system must be made in the process of comparison 笔者认为,国有商业银行作为中国银行业的中流砥柱,其竞争力问题的探讨至少包括两方面内容:一是国有商业银行的竞争力在国内表现为与其他各商业银行的竞争,在这一比较过程中必须对我国银行体系的市场结构特征做出判断和预测;二是与国外银行在竞争力各项硬性指标以及制度机制等方面的比较,通过比较揭示国有商业银行竞争中的劣势和不足,提出弥补措施,确立其未来的竞争与发展战略。
After the research of new basel accord and the practice of western commercial banks ’ practice , i propose the china commercial banks use the kmv or z - score as the methods before adopting the standards of new basel accord . and the banks should prepare for the utilization of creditmetrics for the purpose of full management of risk . the paper consists of 7 parts : the first one is the introduction of this paper , which introduces the main contents and ideas of this 本文在研究新巴塞尔协议的基础上,参考国外信贷风险管理模型的相关成果,参照国外银行的实际做法,在分析了我国商业银行信贷风险管理的现状后,对我国商业银行今后发展信贷风险衡量技术提出了自己的见解:可以在过渡时期,针对自己银行的客户,选择适合本行的信贷风险衡量模型:以国际性大公司为主要客户的商业银行,可选择使用kmv模型;以国内公司为主要客户的商业银行,选择使用z - score模型。
In the end of 20th century , especially after jointed wto , with the grandness and development of mixed - management in bank system of some developed countries , there has been a bitter discussion about if china should introduce mixed - management in our bank system and if we adopt mixed - management , which mode we should take 二十世纪末,随着国外银行混业经营模式的发展和壮大,特别是在中国加入wto之后,人们对于我国是否要实行混业经营、采取怎样的模式进行混业经营展开了激烈的讨论。
With the instant development of information technology and the combination of information technology and the banking industry becoming closer , the research is necessary and significant . at the same time , the banking industry in china is being at the final stage , at which the financial industry will soon open completely , the competition between domestic banks , between domestic banks and overseas banks , between the banks and the non - bank financial organizations is extremely intense . the research is helpful for banks to 对2006年的中国银行业而言,正面临着金融业即将全面对外开放的最后阶段,国内银行之间,国内银行与国外银行之间,银行与非银行金融机构之间的竞争十分激烈,本论文立足于我国银行业发展的现实情况,研究我国银行信息技术投资发展的趋势和对策,希望有助于我国银行业在新的环境中、在激烈的竞争中正确决策,科学发展,提高竞争力,促进银行业的发展壮大,并以此促进我国金融和经济健康的、快速的发展。
Through introducing abc companied with abc successful case in foreign developed bank , this article will narrate how to carry abc into execution in china banks management , in furthermore , the article will discuss the probability of introducing abc into china and the implementing problems based on the current status of china banks 本文在对作业成本法基本理论以及作业成本法在国外银行成功案例的介绍的基础上，对作业成本法在我国银行管理中推行进行了试探性的研究。
As to the four government - owned banks , they are all devorting thrie effort to solve these property problems that were caused in the planning days . their merger will be carried out with the intervention of a strong administrative power . the best way is that the other three banks , except china bank , are to be separated at first , then be re - mergerd into china bam by purchasing the other three banks " good assets , aiming to cope with the foreign megabanks . as to the banks established under the market system , the best way is to extend their scale by mergering and purchasing 就四大国有商业银行而言，其在经历长期计划经济这一特殊的历史阶段中，积淀了诸多国外银行所不没有经历的问题，其并购需要较强的行政干预，最佳方案是先分后合，或改制上市，组成一家顶级超大银行，以抗衡外资银行的涌入；对于新兴商业银行而言，则关键是通过并购扩大其规模，同时，要积极的向海外市场发展，通过并购，加快国内商业银行的国际化进程。
