It has concluded that the deepened property right reform is the core to resolve the property right problems . afterwards , based on the comparative analysis to the new institutional economic institution vicissitude model , the dissertation analyzed the institution vicissitude characteristic of our country ’ s regional small and medium sized banks 随后,在对新制度经济学的制度变迁模式进行比较分析的基础上,运用制度变迁理论分析了我国地方中小银行制度变迁的特征,并结合我国实际,从理论上提出逐步采用需求诱致性、渐进中局部激进的制度变迁模式应当成为其发展的路径选择。
Japan ' s financial system , which formed based on the special background inside and outside japan , and with characteristics of the " convoy system " , indirect financial structure and the " main bank lending " system , had worked very well in the course of its postwar economic recovery and development 以“护送船队”金融管理体制、间接金融为主的金融结构以及主银行制度为主要特征的日本金融体制，是在战后日本特殊的内外环境下逐渐形成的，它对战后日本经济的恢复与发展起到了巨大的支撑作用。
The lai wu is in the centre of shandong province , it ' s economic situation is get behind . so the icbc lai wu branch has many problem in the organization management . for example , the organization overstaff , the people is irresponsible for , culture is obdurate etc . as result , what is very important to the icbc lai wu branch to improve her strength is that build the modern bank system quickly and practice the reformation mightiness 地处鲁中、经济欠发达地区的中国工商银行莱芜市分行，经济环境较差，长期粗放型经营遗留的问题较多，分行机构臃肿，人浮于事问题突出，面对挑战和机遇，进一步加快现代银行制度建设，着力推进组织变革，对于实现莱芜工商银行的可持续发展，显得重要而紧迫。
The article is from the experiences of author in the bank for many years , it is debated on the base of being familiar to the bank knowledge . the article explains from the basical theory of policy bank , try to combine the development progress of policy bank , comparing china ' s policy bank system with that of the others and reseaching the foundamental question of policy bank 全文试从政策性银行的基本理论谈起，试图在梳理政策性银行的发展历程、对比中外政策性银行制度异同、研究政策性银行制度建设中的基本问题基础上，努力寻求适合我国国情的政策性银行法律制度，并提出自己粗浅的立法建设，力图实现以理论指导实践之学术根本目的。
At last , taking above analyses into account , the author thinks that it is imperative to establish modern commercial banks " institution with the core of modern property rights " institution . at the same time , the author puts forward a series of measures for controlling institution risk as follows : firstly , establish modern property rights " institution and improve legal entity governance structure ; secondly , establish financial controlling corporation and carry out mixed business operation ; thirdly , innovate commercial banks " supervision institution , establishing mixed business supervision model with the characteristics of functional supervision ; finally , perfect social credit system in order to strengthen construction of external environment of commercial banks " institution 文章接着回顾了我国商业银行制度创新的历程，概括了当前我国商业银行制度风险的特征与成因，最后结合上文分析的结果，得出了我国商业银行制度创新的方向，那就是建立以现代产权制度为核心的现代商业银行制度，并且提出了控制制度风险的措施，即深化制度创新：一是建立现代产权制度，完善法人治理结构；二是建立金融控股公司，实行混业经营；三是改革监管制度，建立以功能型监管为特征的混业监管模式；四是加强银行制度的外部环境建设，建立健全社会信用制度。
Since 1990 , with financial globalization and liberalization , international monetary industry have rapidly developed , especially in the western developed countries , in order to promote competition 、 reduce trade costs 、 strengthen ability of making profit , main commercial banks in many countries have adopted the pattern of mixed operation . it is in no doubt that germany universal banking system as the successful mode of mixed operation is the important research topic of oversea and domestic scholars 本文介绍了混业经营与全能银行制度的涵义和内容,阐述了混业经营的理论基础及全能银行的类型,分析了德国全能银行制度的形成和发展过程,说明了德国全能银行制度的特点和主要内容,剖析了德国全能银行制度的风险,指出德国的金融监管制度是全能银行成功运作的根本。
Since the appearance of the southeast asian financial crisis , seriously drawing lessons from it , we have strived to complete our banking and enterprise systems and enhance our ability to maintain the balance of international payments , in an effort to create conditions for achieving the convertibility of the renminbi under capital accounts 东南亚的危机出现以后，我们认真吸取教训，健全银行制度和企业制度，加强国际收支的平衡能力，以创造条件来实现人民币资本项目可兑换。
Under modern banking system , bank president is the banking manager who , authorized by the proprietor of the bank , takes charge of the bank ' s overall management and operation . for the reason of his emergence , bank president comes as the result of social division of labour and business pursuit of profit . the expansion of president ' s character and function corresponds to the market development 现代银行制度下的行长是根据所有者授权而负责全面经营管理银行的银行经理人，从产生的轨迹看，他的生成是社会分工及商人追逐利润的结果，其职能及内涵的扩展导源于市场的不断发展，而作为职业经理人的现代行长阶层的出现则是市场推进银行制度演变的必然。
