commercial banks

Also, commercial banks must submit their formal applications for adopting the Accord to CBRC at least half a year in advance.

Commercial banks shall have the right to refuse to grant a loan or to provide a guaranty forcibly demanded by any unit or individual.

By looking at another data series from the St. Louis Fed that tracks how much money commercial banks have lent.

The Chekiang Industrial Bank was one of Chinese important private commercial banks in Modern China.

Similarly, Citic PE has found that its investments in Chinese city commercial banks were in better shape than it had anticipated, he added.

If commercial banks were to be protected, they should not be allowed to gamble in the securities markets.

As you know , our regular savings rate changes periodically in accordance with the interest earnings rate allowed for commercial banks .

It can siphon inflationary cash out of the system by requiring the commercial banks to lodge deposits at the Bank - quantitative tightening.

Instead, the central bank has been trying to make sure commercial banks keep within their lending targets, which banks habitually exceed.

Gradually the First Bank of the United States evolved into a sort of banker's bank, gaining the power to police lesser commercial banks.

Along with the increasing of the bank's business development, credit operations of commercial banks have gradually become a major focus.

Under such a context, Insurance companies and commercial banks are blended to form a new business model, which is called bancassurance.

The bank credit conduction is blocked due to the low capital adequacy ratio of state-owned commercial banks account for a dominant position.

The so-called reserve requirement ratio is an important tool in China for limiting how much money can be lent by commercial banks.

As one of the major risks, credit risk's measurement and management of commercial banks has always been a major task.

There is no doubt that commercial banks'competition will be represented by the contest for the credit card business.

Business assets, liability business and intermediary business have always been known as the three basic operations of commercial banks.

The United States, "Glass-Steagall Act" (Glass-Steagall Act), do not allow the United States commercial banks engaged in investment banking.

Bank of Beijing was one of the first city commercial banks to list on the Shanghai market.

Of course, this mainly refers to those investment banks and commercial banks, to which those with a global vision, of GDP.

The Chongqing lender is one of a dozen urban commercial banks that have attracted foreign capital in recent years.

This unnecessarily mysterious expression simply means the purchase by the Bank of assets, mostly from the commercial banks.

Central banks used to instruct commercial banks to limit lending to a particular sector if they felt that it was overheating.

Intensifying market competition forced domestic commercial banks began to open up new areas of business so as to make new profit growth.

During the 1980s savings banks were in a great state of flux, and many began to provide the same kinds of services as commercial banks.

Commercial banks are reported to be willing to lend the company additional funds should it require them.

ICBC is the largest commercial bank in China and one of the top ten commercial banks around the world in terms of asset size.

Rare in the face of the global financial crisis, commercial banks around the world competitiveness ranking status and also faces re-shuffle.

Reserve balances deposited at the Federal Reserve Bank by US commercial banks. These funds can be lent out to other member . . .

Plus, commercial banks should also examine the land mortgage rate and grant credit with an appropriate percentage, avoiding over-credit.

How Chinese state-owned commercial banks will increase her competitive ability is a major problem at the moment when China accedes to WTO.

Several cumulative, at least more than 80% of the amount of real estate investment from commercial banks.

The policy banks were set up in the mid-1990s to help the major commercial banks commercialize.

The management of commercial banks and venture capital are a pair of contradictory unity.

finally , it comes to a conclusion : there is no necessary connection between the size and the competitive ability of commercial banks.

Most recently, we have witnessed the hits to balance sheets of commercial banks, which did not have to mark-to-market right away.

Goldman Sachs and Morgan Stanley, the only remaining independent investment banks, changed their status to become ordinary commercial banks.

In return, they basically agreed to become boring commercial banks, which would open them up to more regulatory oversight.

Usually the word bank refers only to the commercial banks like the one I work for .

Then there was the apparently common practice for royals to borrow money from commercial banks and simply not repay their loans.

However, at present China's commercial banks personal financial business still in its infancy, personal finance business to be enhanced.

Previously, commercial banks were allowed to set their lending rates no higher than 70% above the PBOC benchmark rate.

One reason is that the commercial banks are trying to reduce the volatility of their earnings, not increase it.

This was what Argentina did at the time of crisis in 1995 for the clearing balances held by commercial banks with the currency board .

On facing such competition and great market potential, it has been on the top list of our commercial banks to establish their products.

The supply of cheap funding has created useful demand by commercial banks for government bonds, just as fiscal deficits are rising.

Commercial banks also run securities units that are highly leveraged and that have little to do with bank deposits.

Investment banks, for instance, do not rely on consumer deposits for funding, but on borrowing from commercial banks and others.

The main part of the fourth is analysis of the case about EVA applied to the performance management of commercial banks.

Commercial banks are not allowed to use misleading or false advertising to promote private wealth management products.

There was a decrease in the commercial bank placement due to the liquidity squeeze in commercial banks.

Chinese commercial banks, fund managers and securities companies are already allowed to invest in global bonds and equities.

Some bond traders suspect that the central bank has scaled back its purchases of these securities, as have China's commercial banks.

At the end of 2006, foreign banks began to enjoy national treatment and compete with China's commercial banks in all businesses.

foremost here are the Shanghai Gold Exchange and the commercial banks, with the Central Bank (the PBoC) now taking only a supervisory role.

Meanwhile, worries are deepening that other securities firms and commercial banks might be on shaky ground.

It was to said that the same situations were in other three state-owned commercial banks.

Fannie Mae and Freddie Mac combined own roughly 17 percent of the market, while commercial banks own around 20 percent, he said.

The number of public sector commercial banks with a negative correlation between performances.

To this end, the article which makes study on operational risks in commercial banks is of great significance both in theory and in practice.

The existence of credit risk in commercial banks is inevitable as a result of asymmetry information and incomplete contract.

With the opening up the domestic banking sector, the domestic commercial banks are facing increasing competitive pressure.

Commercial banks should terminate their operations upon a disbandment, dismantlement and bankruptcy.

Even then many were just as concerned with the welfare of commercial banks and the financial system as a whole.

The basic task for the applications of DEA efficiency evaluation to commercial banks is to determine the input and output variables.

With actual practice of these difficulties, this paper tries to find the solution of how commercial banks expanding SME financing business.

This article explores the characteristics and shortcomings of the credit rating system applied to the current commercial banks.

The results indicated that the degree of our commercial banks'stock shared with foreign banks has obvious effects on overall efficiency.

It banned commercial banks from buying and selling securities; their job was to pay interest on savings and lend to borrowers.

A number of overseas commercial banks have been adjusting their marketing strategies and focus guided by their marketing service purposes.

Commercial banks are the core of a country's financial system, so their operation attracts more attention.

Li's words aroused suppose of commercial banks and companies on PBOC's adjustment to "tight monetary policies" by the end of the year.

However, the listing of state-owned commercial banks operating in a number of issues remain, particularly in corporate governance issues.

The state-owned commercial banks (SOCBs) are the most active providers of the loans, and foreign bank branches the least active.

The purpose of this paper is to provide an effective way for China's commercial banks estimating default probability of retail loans.

Therefore, study on China's commercial banks efficiency is of great theoretical and practical significance.

In the last decade, China's commercial banks have gradually recognized the importance of credit card business in retail business of a bank.

Even after a wave of government-induced consolidation, there are at least a dozen systemically important commercial banks.

Hoping that this article will help to prevent and control credit risk for commercial banks.

To be highly competitive, and to take the advantages in the competition, is the core of our commercial banks.

World Bank's research on the global banking industry shows that The credit risk of commercial banks are the main reason for bankruptcy .

Commercial banks and fund houses are also cashing in with products to let investors buy more gold jewelry, coins and bars.

As Goldman Sachs notes, commercial banks voluntarily keep excess reserves at least 3 per cent above the RRR.

With the registered personal credit data from some commercial banks as the input, then the prediction and stability of the model is tested.

Only qualified commercial banks are allowed to participate in non-banking activities, and have strict firewalls separating them.

Three is to achieve the goal of securitization of the commercial banks residential mortgage assets, improving the risk transfer mechanism.

Coherent economic capital allocation approach is an important component of commercial banks'economic capital management system.

In effect, China's commercial banks have been lending the central bank more than $1 trillion at an interest rate of less than 2 percent.

A few domestic commercial banks also speed up the execution pace of IRB approach.

"As Europe's commercial banks de-lever, lending is likely to be squeezed, " said Huw van Steenis, banks analyst.

Personal credit assessment is of great significance for commercial banks to avoid credit risk.

It also lends hundreds of billions of euros to commercial banks that are unable to borrow from other banks.

But as a matter of fact, there are many difficulties for commercial banks to put it into operation.

Asset business, liabilities business and middle business three aspects are the main business of commercial Banks.

But, of course, the commercial banks and other financial institutions cannot be entirely insulated from these developments.

Article 25 Division and merger of commercial banks shall be governed by the provisions of the Company Law of the People's Republic of China.

Credit limits for commercial banks will also be removed to channel more lending to priority projects and rural development, it said.

Performance evaluation system reform is one of the most important work for domestic commercial banks in their strategy transformation.

Officials suspect militants set off the bombs Thursday at or near commercial banks in Yala's provincial capital and nearby districts.

These statistics show that: China's city commercial banks after the reform and development had been made significant progress.

The move is part of a wider trend among China's commercial banks of attracting more foreign investment in recent years.

China's commercial banks are always challenged by a high rate of non-performing loans and weak security of credit assets.

And for retail investors, most commercial banks offer "paper gold" online trading products, which are typically not backed by physical gold.

Reserve Board, an independent government agency, was established in 1913 to help stabilize and coordinate the nation's commercial banks.

The solely State owned commercial banks should issue loans to special projects which have been approved by the State Council.

It requires all bonds to be underwritten by the state's commercial banks and sets their price and issue date.

final measures is setting this ideas that commercial banks supervision is to encourage financial innovation and protect financial consumers.

Cash management service is one of the core businesses of commercial banks.

Anecdotal evidence suggests commercial banks may be meeting PBoC reserve requirements by accumulating foreign currency.

Article 3 The connected transactions of commercial banks shall be consistent with the principle of good faith and fairness.

The innovation of this article is applying standard management technology to compliance risk management in the commercial banks.

But several analysts said that investment companies will need the deep pockets of commercial banks to survive the next few years.

However, economies of scale and scope in commercial banks are the important factors which affect their international competition.

The investment banks had the skills but not the capital; the commercial banks had the capital but were excluded from the business.

Second, improve macroscopically financial environment to guarantee the effective operation of organization of domestic commercial banks.

No unit or individual is allowed to force the commercial banks to issue loans or provide guarantees.

It includes derivatives, dollar deposits outside the U. S. , most of the assets of commercial banks (like loans) and most corporate debt.

Article 94 The relevant provisions of this Law shall be applicable to postal enterprises in handling relevant business of commercial banks.

What are the benefits to ordinary financial consumers from commercial banks' equity investment in insurance companies?

Business machine records occupying too much storage space , management confusion , damages to the image of modern commercial banks .

The annual reports of the big commercial banks will continue to grow by 20 to 50 pages a year.

That keeps everyone happy; the politicians get cheap money; the commercial banks make money; and the central banks keep the system liquid.

Commercial banks in Europe are also unlikely to cut their credit flows to the Asia Pacific region if the Greek debt crisis escalates.

Savers may initially be shielded from the full impact of those reductions, because commercial banks are competing for retail deposits.

For the commercial banks in terms of informationization, this topic research has the important application value and the promoted meaning.

Some savings banks, often perceived by the public as safer than commercial banks, are witnessing fresh customer interest.

So in a very long period, the retail banking just refers to the personal savings service for our Commercial banks.

In recent years, the ABC has followed the big commercial banks and began focusing on urban areas, pulling back from rural areas.

At the time, these standards were too high for the major banks to adopt. Today however, all commercial banks ( "CBs" ) adhere to The CB law.

Commercial banks are in pursuit of its operating profit target, as well as other businesses.

Meantime, the central bank requests the commercial banks to increase their loans to SMEs at a rate of not lower than that of total loans.

In this highly competitive environment, the commercial banks to improve business performance, competitiveness imperative.

It was complicated. It involved swimming in the same pool with the trading desks of the big commercial banks.

The move allowed the country's commercial banks to be transformed quickly into more market-oriented institutions.

Risk management is one of the cores in the management of commercial banks.

Therefore, this paper takes the influences of corporate governance on risk-taking behavior of commercial banks as the research object.

In response, commercial banks embark on adjustment of their strategies and favor securitization of assets including housing mortgage loans.

Under these circumstances, commercial banks start to reinforce cooperation with trust companies to avoid credit scale management.

In the case of commercial banks, the Federal Deposit Insurance Corporation takes charge.

Commercial banks follow the principles of equality, voluntariness, fair, faithfulness and credibility in their services to clients.

On the banking front, the change of policy may have implications for foreign currency liquidity management for the commercial banks.

finally the paper analyzes the implementation emphasis and relative tactics of commercial banks' customer relationship marketing.

The China Banking Regulatory Commission has released detailed rules for individual wealth management businesses commercial banks.

But with market risk, credit risk than commercial banks operational risk understanding, awareness and management are at a lower level.

And the second chapter analyses characteristics of the operation risk in commercial banks and its management status quoin China.

M & A is an important method for the commercial banks to make scale of operating and enhance the competitiveness.

Policy shifts under discussion include a further relaxation of the quotas on lending by commercial banks and increases in public spending.

Consumer credits are fully-fledged financial businesses developed by the commercial banks in the western developed countries.

Commercial banks are the core of modern finance, in economic development play a very important role.

This paper also presented several Suggestions and opinions for the transformation and upgrade forward of Chinese commercial Banks.

Under the proposed rule, commercial banks would be prohibited from owning, investing in or advising hedge funds or private-equity firms.

Employees of commercial banks must not leak the State and commercial secrets they acquire during their term of service.

The original law explicitly on the basis of the commercial banks, the sponsor of the insolvency proceedings and bankruptcy standards.

Financial planning business is an important intermediary business for commercial banks.

The cheaper dollar swap lines with the Fed will let the ECB provide cheaper dollar loans to European commercial banks.

What would happen to the U. S. economy if all its commercial banks suddenly closed their doors?

The commercial banks confront with heavy duty of capital management after peeling off the bad capital.

As the credit crunch has intensified, central banks have relaxed the conditions for supplying ready cash to commercial banks.

But strong balance-sheets gave commercial banks the chance to muscle investment banks out of the underwriting of securities.

among external funding sources , informal channels , credit unions , and commercial banks were about equally represented.

All the commercial banks in Beijing had been holding to the benchmark rate before the CCB's latest move.

Though then it was concentrated on commercial banks which were the main credit vehicle.

As for the financial system, the secured loans to local-government financing platforms are actually self-credit-rating of commercial banks.

Development banks faced a number of problems; some had unclear mandates and activities that overlapped with commercial banks.

It plays a key role in preventing operational risk, protecting fame and consolidating customer foundation for the commercial banks.

Creditlimits for commercial banks will also be removed to channel more lending to priority projects and rural development, it said.

It allows commercial banks to slightly reduce the percentage of their deposits that they must keep on reserve at the central bank.

Facing the unprecedented pressure, the foreground of the rural commercial banks is especially remarkable.

The introduction of strategic investors has become the key link and effective way of the reform of commercial banks and financial system.

The competition of obtaining the customers and gaining cultivate customer loyalty by the commercial banks never stopped.

Chinese commercial banks must now deposit more than a fifth of their assets at the central bank, earning virtually no interest.

The first chapters of the financial crisis hit investment banks disproportionately hard; the closing ones will focus on commercial banks.

However, people familiar with Beijing's attitude to the sector believe these limits could be raised on city commercial banks.

The transmission mechanism of monetary policy by credit channel cant be separated from lending agencies , especially commercial banks.

Commercial banks, through the absorption means, to obtain payment of deposit and loan monetary profit ventures.

Commercial banks are the agent of socioeconomic activities, and the intermediary of real economy and virtual economy.

What are the access conditions for commercial banks to make equity investment in insurance companies?

Overseas strategic investors should be encouraged to push the reform and reconstruction of urban commercial banks.

However, due to global financial crisis and the Renminbi value increase, the QDII business in several commercial banks suffered big loss.

Several commercial banks have been given permission to compete with Chinese banks in all segments of their business.

The federal government injected capital into major commercial banks shaken in the aftermath of the collapse of Lehman Brothers.

Commercial banks provide only a quarter of financial sector credit in the US, down from close to 40 per cent in the mid-1990s (see chart).

The BOJ has made up to Y3 trillion available to commercial banks at a rock- bottom 0. 1% interest rate .

In recent years, China accelerates the Joint-stock Reform of the top four state-owned commercial banks.

Many commercial banks have made effort to design new banking commodities for SMEs, but the financial condition has hardly changed.

Third Part : The strategic option and development strategies of the State-owned Commercial Banks by SWOT analysis.

Commercial banks should protect the legal rights and interests of their depositors against encroachment by any unit and individual.

Foreign exchange business risk of Chinese commercial banks has its own characteristics.

As more commercial banks enter microfinance, Mary Ellen Iskedarian says women must continue to be served, to reduce poverty.

Currently, the Hungarian Commercial banks have adopted individual housing loan business matching repayment.

Credit risk is one of the major risks commercial banks face.

Recently our commercial banks widely and positively sought for mixes operation, the progress has exceeded original expectations.

No longer were commercial banks dependent on the slow, costly business of attracting retail deposits.

Some big commercial banks have large servicing operations, but these companies are not usually interested in taking on more assets now.

The essay tries to introduce and analyze the commercial banks' loans, and find the connection between loans' control and financial freedom.

The business hours of commercial banks should be convenient to clients and should be publicly announced.

Chapter V is the reference of commercial banks liquidity risk management of American and European countries to China.

Central Bank A bank providing services for a country's government and major commercial banks.

Nowadays as consumer credit of domestic commercial banks develops quickly, consumer credit risk increases gradually.

All banking regulatory bureaus, policy banks, state-owned commercial banks, joint-stock commercial banks and postal savings banks.

In general, this method is applicable in commercial banks' financial analysis and has more practicality than GRM(General Risk Management).

Under this background, it has strategic meanings of the Chinese commercial banks to develop their personal financial business.

The methods of selection of real estate appraisal institutions shall be formulated by commercial banks.

As the expansion of assets rapidly, the commercial banks is facing great pressure from risks and capital shortage.

Reducing additional benefit can improve market efficiency and promote the market-oriented reform of state-owned commercial banks.

We resolutely carried out reform addressing the poor performance and greater financial risks of state-owned commercial banks.

In China, many commercial banks still use old evaluation methods, which do not take the factors of macro-economic fluctuations into account.

The marketization of interest rate will qualify the commercial banks to own self-determination right on loan pricing.

The branches play determining roles in commercial banks as they are basic operating units and are in the first line of commercial banks.

Cross-regional business is a basic path and strategic orientation of the major city commercial banks in recent years.

But, the trust companies are still facing the challenges which come from the commercial banks, securities companies, insurance companies.

commercial banks; the corporate governance; deposit contract; loan contract; exterior.

As to state-owned commercial banks, the key factor that raises the business efficiency lies in the improvement of the technological level.

The contradiction between interest and liquidity of commercial banks is the deep-rooted reasons for the liquidity risk.

To the question on commercial banks operating its own fund activities, the theory circle of our country did not have so much research.

It is of great significance to perfect the information disclosure system of state-owned commercial banks.

Prime Rate The interest rate that commercial banks charge their prime or most credit worthy customers, generally the large corporations.

These Measures provide the minimum requirements on commercial banks' information disclosure.

Energy efficiency loan financing and loan guarantees to encourage commercial banks to lend money for energy efficiency projects.

In the 1800s, even commercial banks in Canada and the United states issued their own banknotes, backed by their promises to pay in gold.

Nowadays commercial banks carrying out business process reengineering will become both imperative and urgent.

Commercial banks are allocating their limited supply of credit disproportionately to state-owned enterprises.

Commercial banks should guard against risks to develop the competition capacity and increase the management efficiency.

China's state-owned commercial banks must win in the competition, it should first strengthen our own strength, restructuring and listing.

What are the main factors influencing the change of deposits in commercial banks?

Of state-controlled commercial banks a competitive advantage and disadvantages of the analysis, to find much improvement.

Thus commercial banks on behalf of financial institutions will inevitably become the vanguard of anti-money laundering front-line work.

The value and development strategy of commercial banks are reflected in its performance management.

Commercial banks, as a key component of financial system of a country, always are the important aspect in China's financial reform.

The paper has four parts of the basic level of commercial Banks internal control problem is studied.

Then we analyze the performance of commercial banks before and after introducing overseas strategic investors in both China and Korea.

With the entering of foreign banks into China financial market, the local commercial banks are impacted unprecedented.

Minimizing the credit risk, reducing the risk of bank funds is the most imperative to all commercial banks in the credit card business.

In March, GE said it had a 1. 2% delinquency rate, compared with 5. 4% for commercial banks.

Chinese commercial banks may issue equity loans to Chinese shareholders meeting clearly-defined conditions.

facing this problem , our shareholding commercial banks should consider clearly and reform deeply from aspects .

Chapter II of the thesis is summarization of online banking business of commercial banks and related theories.

They also bolster confidence in the currency. Money flows into the commercial banks, easing the specter of banking crises.

Ownership concentration and performance of commercial banks were inverted U shaped relationship.

The four major state-owned commercial banks have been finished the transformation into joint-stock. The management of them is more perfect.

Cutting reserve requirements amounts almost to the same thing, as Beijing can order commercial banks to increase or rein in lending.

In this year of tight monetary policy, China's commercial banks have been kept on a tight leash, right?

By contrast, the big commercial banks still grapple with troubles in their mortgage and credit-card operations.

Major participants on the CDS market will include commercial banks, security companies and insurance companies.

Growing market competition forcing the domestic commercial Banks develop new business areas, seek new profit growth.

However, the credit risk management methods of domestic commercial banks are used has qualitative analysis, static management deficiencies.

Following the empirical framework, a survey was developed in commercial banks and data collected from five commercial banks.

The traditional "issue to holder" management model only carries out internal dispersion and control of risks in the commercial banks.

Commercial banks should keep financial accounting reports, business contracts and other data in accordance with relevant State regulations.

Commercial banks are not allowed to make investment in non-banking institutions and enterprises within the People's Republic of China.