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1、 学 号：09305222天津商业大学宝德学院毕业设计（论文）毕业论文英文资料及相关中文翻译毕业论文英文资料及相关中文翻译系系: :涉外经济贸易系涉外经济贸易系专业专业：国际经济与贸易（金融方向）国际经济与贸易（金融方向）班级班级: :0902学生姓名学生姓名: :丁萍玉丁萍玉指导教师指导教师: :刘敬刘敬 讲师讲师2013 年年 5 月月毕业论文外文翻译毕业论文外文翻译出出 处处： International Journal of Economics and Finance 作作 者：者： Jingting Ma 原原 文文 ：The Research of Promoting the Ch
2、inese Banking Industry Core Competitiveness under the Financial Globalization Background2. Chinese banking industry development present situationThe recent several years, Chinese Bank competitive power really has been promoted. No matter is the capital sufficiency of capital and the property quality
3、, gains aspects and so on ability and fluidity managed capacity has the distinct improvement. More importantly, the majority Commercial banks established the capital to supplement mechanism and saved use capital idea, established good risk management system which has enabled the property quality to
4、guarantee even enhanced and promoted bank strategy reforming, service reforming and the profit pattern transformation which adaptation environmental variation and customer demand change positively. State-owned bank through reform going on the market reproduction vigor, original joint stock system Co
5、mmercial bank to maintain the competitive advantage further promotes own competitive power through the internal reform, the city Commercial bank through the dyspepsia property, increases funding expands stock methods and the way and so on alliance, cross region management as well as going on the mar
6、ket, is clear about the management localization, launches the comprehensive competition with each kind of Commercial bank in many domains. But, Chinese Commercial bank competitive powers remarkable enhancement cannot cover the existence question, mainly concentrates in five aspects:2.1The mechanism
7、of the company governs and internal controls not to be still imperfectThrough the bank remanufacture and going on the market, Chinese Bank Company governs has the improvement, but the subject of investment multiplication degree is still somewhat low, authority to keep in balance system validity to b
8、e bad, also cannot guarantee the trustee, the supervisor and high level managers assiduous fulfilling duty, also cannot achieve strictly accountability system to the significant dereliction of duty personnel. The higher managements seek the personal interest using the bank asset, causes the sharehol
9、der rights and interests not to be able to obtain the effective protection; The major stockholder using methods and so on connection transaction seeks the improper income, even endangers to the bank operational; The independent director becomes a mere formality phenomenon to be common, many banks on
10、ly hope to use their popularity and the old relational display role, the improvement of governs to the company not to play the substantive function. After Commerce bank, Construction bank, Communications Bank and Bank of China stock reform going on the market, reforms to the depth advancement duty i
11、s also very arduous. The completely responsible phenomenon also is very specially common by “the chief leader” in the Branch office, lacks essential keeps in balance mechanism, in addition legal person organization decision-making control is limited, the branch office does not carry out, causes the
12、basic unit organization illegally contrary, the major event serious case sometimes occurs.2.2 The account executive and the source of income is still unitaryAlthough Chinese commercial bank non-interest return proportion rises with steady steps, but financial innovation ability low question not radi
13、cally solution. Even if in the Asian and Pacific area, Chinese commercial bank non-interest return is also at the inferiority position compares with other foreign bank. For example, the non-interest of Japanese Tokyo Mitsubishi Bank and Australia National bank non-interest return respectively achiev
14、es 56.6% and 44.4% in 2006, but the same time China ICBC is only 8.8%. Causes this kind of pattern is because various reason: First, Chinese Commercial bank is been microscopic intervention serious by all levels of the government for a long time, monopoly management, contents with the status quo, ne
15、glects development to the new service variety, causes the business of banking scope to be narrow. Next, is supervised system influence, China legal rule that Commercial bank can only be engaged in the business operating at a liability, the asset operation, but cannot look like the overseas bank such
16、 to provide including the loan, the settlement, the consultation, the investment, the proxy insurance and the trust investment “the supermarket service”, causes the bank finance variety to be monotonous.2.3 The high-end talented person who matches with the modern bank enterprise is still deficientThe Commercial bank is the knowl
