All the commercial banks study hard on how to make full use of customer relationship management ( crm ) so as to realize their ever - lasting development and market competitive strength . the thesis probe into the theory of crm , its practice in the field of commercial bank and key software technology 本文首先对客户关系管理的理论及其在商业银行领域的应用作了一些探讨,并对国内外商业银行实施状况和关键软件技术做了阐述,从中可以看出,客户关系管理是目前国内国际商业银行竞争焦点之一。
In order to solve the problem of fund effectively , this article put forward a suggestion of project financing . the article analyze the economic predominance of western area , its scarcity of fund and its causations . it analyze the character of project financing , and expatiate the feasibility and necessity of project financ ing in the western area and the important capital source of project financing in this area 而且文章重点分析了项目融资的基本特征、项目的风险及其风险管理，阐述了西部地区采用项目融资的可能性和必要性，逐一论述了西部地区项目融资的主要资金渠道，即国际商业银行贷款、政府贷款、国际债券发行、海外投资基金、项目境外上市、海外第二板上市和外商直接投资。
Now , what difficulties that state - owned commercial bank extensive administration and facing now arc the following four aspects : so , feting aimed at these four main difficulties , it ' s the key point that state - owned commercial lank can et realized by the following way first , perfect organizational structure system . second , encirculatedisc inventory efficiently options increment , improve the credit quality third , establish extensive capital operational mechanism 为此，本文从理论到实际两个方面对如何实现银行集约化管理展开了研究，本文的创新之处在于改变以指令性计划为主的“大一统”的银行体制，实现与国际商业银行惯例接轨的集约化管理模式，这对我国加入wto后，银行在国际金融市场中如何立足，具有理论价值和实践意义。
There are many causes for the emergence of financial holding company . from handling bad loans , maintaining the internal need for the development of banks , the competition in the international financial market , the international commercial banks " dependency to securities markets , the more and more complete jural supervision and the possible methods network provides , we can find the reason 它的产生有着众多的动因，从处理不良资产，维持银行发展的内在需要，从国际金融市场的竞争，从国际商业银行对证券市场的依赖，法制监管的日趋完备以及网络所提供的可能手段等方面都能找到原因。
Section one introduce the background of “ basel agreement ” produce and reference meaning , in narrow sense , basel agreement is a jointly supervise way in world ; certainly , it is also a kind of agreement type supervision . but the most important form which the international commercial bank jointly supervises has very strong restriction 巴塞尔协议是一种狭义上的国际联合监管,也是一种协议式的监管,但却是对国际商业银行联合监管的最重要形式,且具有很强的约束力。
With the analysis of the history of the financial innovative technology of commercial bank , we find the different between the overseas " and china ' s financial market . and this article has included some analysis of commercial banks the over seas " financial market which conclude their successful experiences and made a comparative analysis of the two markets . the analysis report could help us to develop a financial business strategy , which would work with our country ' s financial business after jointing the wto 本文尝试从分析国际商业银行金融创新的发展及因此给国际金融市场所带来的正负面影响与研究我国商业银行金融创新的发展沿革入手，分析我国商业银行国际金融创新的特点及存在的问题，并指出我国商业银行新形势下所面临的挑战，同时提出了我国商业银行金融创新的目标定位与创新策略。
Except for the reasons inside the middle and small enterprises themselves of small scale , the low capacity of taking the risks and the imperfect management system as well as the nonpublic information , the discrimination policy for them from the commercial banks in china has made financing difficulty much more clear 针对这个问题,本文认为:从拓展银行利润来源渠道,提升竞争力的角度出发,中国建设银行发展中小企业融资业务,是关系到建设银行能否成为具有国际商业银行水准的关键性战略问题。因此,中国建设银行必须通过银行再造,整合营销资源,以客户为导向,提高金融营销能力。
