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We should learn from the financial crisis and steadily promote the reform of the financial regulatory system to better meet the demands of economic development. 9¡¢ÈëÊÀºóÖÐ×ÊÒøÐÐËùÃæÁÙµÄÈý¸ö×îÖ÷ÒªµÄÎÊÌâ,¸ÃÈçºÎÃæ¶ÔºÍ½â¾ö£¿

Accession to WTO poses great challenges to Chinese banking industry.

Firstly, it put forward higher requirements of the bank's management, internal control and risk prevention.

Secondly, market competition becomes more fierce. Both foreign banks and Chinese banks compete for high-quality customer resources and financial talents.

Thirdly, it urges Chinese banks to accelerate financial innovation to meet the demands of internationalization

Facing these problems, the domestic banks should take the following measures. First,we should learn from the advanced experience of the oversea banks. Change the business philosophy from product-oriented to customer-oriented.

Second, Improve the bank's corporate structure, internal control system as well as the risk mechanism in accordance to the principle\

Third, strengthen financial innovation to meet the needs of modern banking, in order to attract customers of high quality.

Fourth, Strengthen human resources management to attract financial professionals and talents.

Last but not least, we should increase the exchanges and cooperation between Chinese banks and foreign banks and maintain the sound development of banking industry in China.

10¡¢ÈëÊÀÊ®Äê¶ÔÖйú½ðÈÚÒµµÄÓ°Ïì

After China's accession to WTO, China's financial sector has achieved significant progress which can be concluded as follow:

First, China's financial markets, financial institutions and financial system become more market-oriented and institutionalized The market price mechanism has gradually become the basis of the allocation of financial resources.

Second, a modern corporate governance mechanism has been established in China's financial sector as well as the internal control system and risk prevention system. Third, the asset size, the operating mechanism and results of China's banking industry are gradually narrowing the gap with the international financial industry. The financial services have been diversified to meet the demand of globalization.

Fourth, China's financial sector becomes more internationalized, which can be reflected ,not only in the introduction of foreign financial institutions, but also in the go out of China's financial institutions to \

Last but not least, we have built an effective financial supervision system to protect the sound development and stability of financial system according to Basel agreement. In short, the ten years after accession to WTO has seen the rapid development and prosperity of China's financial industry. 11¡¢ÈëÊÀÊ®Äê¶ÔÖйúÒøÐÐÒµµÄÓ°Ïì

After China's accession to WTO, China's banking sector has achieved significant progress which can be concluded as follow:

First, China's banking industry become more market-oriented and institutionalized. The market price mechanism has gradually become the basis of the allocation of financial resources.

Second, a modern corporate governance mechanism has been established in China's financial sector as well as the internal control system and risk prevention system. .Third, establish a modern banking supervision system, improve the professionalism and effectiveness of supervision to protect the financial security and stability.

Fourth, China's financial sector becomes more internationalized, which can be reflected ,not only in the introduction of foreign banking institutions, but also in the go out of China's banking institutions to \

Last but not least, we have built an effective financial supervision system to protect the sound development and stability of financial system according to Basel agreement. In short, the ten years after accession to WTO has seen the rapid development and prosperity of China's banking industry.

12¡¢ÈçºÎ¿´´ý2011Äê¹ÉÊÐ ¹ÉÊÐÊÇ¡°¾­¼ÃÇçÓê±í¡±£¬ÊÇʵÌå¾­¼ÃµÄ·´Ó³¡£¹ÉÊеÄÁ¼ÐÔ·¢Õ¹£¬ÓÐÀûÓÚÆóҵ=×ʽð£¬ÓÐÀûÓÚ¹«ÖÚ·ÖÏí¾­¼Ã·¢Õ¹µÄ³É¹û¡£

2011Äê¹ÉÊУ¬A¹ÉÊ®ÄêÁãÕÇ·ù£¬80%µÄ¹ÉÃñ¿÷Ëð£¬Ö÷Òª·´Ó³ÁËÒÔϼ¸·½ÃæµÄÎÊÌ⣺

1¡¢·´Ó³ÊÀ½ç¾­¼Ã¸´ËÕ·Å»º£¬ÎÒ¹ú¾­¼ÃÔö³¤ËÙ¶ÈÇ÷»º£¬±©Â¶³öÊг¡¶ÔÓÚ¾­¼Ã·¢Õ¹Ç°¾°µÄµ£ÓÇ 2¡¢Ö¤È¯Êг¡µÄйɷ¢ÐÐÖÆ¶È²»ÍêÉÆ£¬ÖØÈÚ×ÊÇá·ÖÏí£¬¹«Ë¾ÖÎÀí½á¹¹²»½¡È«µÈÖî¶àÌåÖÆÐÔÎÊÌâ

3¡¢Ö¤È¯Êг¡µÄ¼à¹Ü²»Àû£¬±©Â¶³öºÜ¶à¹«Ë¾³óÎÅ¡£

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2¡¢¹æ·¶ÉÏÊй«Ë¾µÄÔËÐУ¬ÍêÉÆ·¨ÈËÖÎÀí½á¹¹£¬´Ù½ø¾­Óª¹ÜÀíˮƽµÄÌá¸ß

3¡¢¼Óǿ֤ȯÊг¡µÄ¼à¹Ü£¬´ò»÷ÄÚ²¿½»Ò×£¬¼ÓÇ¿ÐÅÏ¢Åû¶£¬Îª¹ÉÊз¢Õ¹ÌṩÁ¼ºÃµÄ·¢Õ¹»·¾³£¬ÌáÕñ¹«ÖÚÐÅÐÄ

4¡¢·Å¿ªÑøÀÏ»ù½ð¡¢Éç±£»ù½ðͶ×ÊA¹ÉµÄÃż÷£¬Îª¹ÉÊÐ×¢ÈëÐÂÏʵÄѪҺ

The stock market is a barometer of the economy, a reflection of the real economy. The sound development of the stock market, will help the enterprises to raise funds, the public to share the fruits of economic development.

The stock market in 2011 is a tragedy, the index of A-share falls heavily and 80% of the investors suffer from the loss, which reflect the following aspects:

Firstly, it reflects the slowdown of the economy, both domestically and worldwide, exposing that the market worries about the prospects for economic development.

Secondly, it reflects the imperfection of the stock market system, especially the IPO, emphasizing on financing, neglecting on sharing.

Last but not least, the regulation of the securities is not effective, exposed a lot of corporate scandals.

In order to guide the stock market on a healthy path of development, we should take following measures:

Firstly, we should further improve the stock market and distribution system, and grasp the rhythm and intensity of the good new shares issued.

Secondly, further improve corporate governance structure of the listed companies as well as the management.

Last but not least, we should strengthen the supervision of securities markets, to combat insider trading, to improve information disclosure, and provide a good development environment for the development of the stock market, and boost public confidence

12¡¢Å·Õ®Î£»úµÄÆðÔ´£¬¶ÔÖйúµÄÆôʾ

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1¡¢Å·ÔªÊÇ·ÇÖ÷Ȩ»õ±Ò£¬»õ±ÒÌåϵÓë²ÆÕþÌåϵûÓнøÐÐÁ¼ºÃµÄ¶Ô½Ó

2¡¢Å·ÔªÇø¹ú¼Ò¾­¼Ã·¢Éú²»Æ½ºâ£¬·¨¹ú¡¢µÂ¹ú¡¢Ï£À°¡¢°®¶ûÀ¼¾­¼Ã²îÒì±È½Ï´ó£¬»õ±ÒͬÃ˵ÄÒ»¸öǰÌáÌõ¼þ¾ÍÊÇÇøÓòÄÚ¹ú¼ÒµÄ¾­¼Ã·¢Õ¹Ë®Æ½ÏàËÆ 3¡¢Å·ÔªÇø¹ú¼ÒÆÕ±é¸ß¸£Àû£¬Ôì³ÉÁ˾޶îµÄ²ÆÕþ³à×Ö

4¡¢ÐéÄâ¾­¼Ã¹ý¶È·±ÈÙ£¬ÍÑÀëʵÌå¾­¼Ã·¢Õ¹£¬Ôì³É²úÒµµÄ¿ÕÐÄ»¯ ¶ÔÖйúµÄÆôʾ£º

1¡¢¸ÄÉÆÃñÉú£¬¼ÓÇ¿Éç»á±£ÕÏ£¬ÒªÓë¹úÇéÏà·ûºÏ£¬Ñ­Ðò½¥½ø£¬²»¿Éһζ׷Çó¸ß¸£Àû 2¡¢²ÆÕþÕþ²ßÓë»õ±ÒÕþ²ßÒªÏ໥ÅäºÏ

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4¡¢¼á³Ö½ðÈÚÖ§³ÖʵÌå¾­¼Ã·¢Õ¹£¬ºÏÀíÒýµ¼×ʽðÁ÷ÈëʵÌå¾­¼Ã£¬´Ù½øÊµÌå¾­¼ÃµÄÓÖºÃÓÖ¿ì·¢Õ¹

The causes of European debt crisis can be concluded as follow:

Firstly, Euro is a non-sovereign currency. Its monetary system and financial system are not matched with each other.

Secondly, the economies of Euro zone are not balanced. There are large gaps between France, Germany and Greece, Iran. The prerequisite of the monetary union is the economies inside are similar to each other.

Thirdly, the euro-zone countries generally have high welfare, resulting in a huge budget deficit Last but not least, the virtual economy develops over prosperity. And it is deforced from the real economy, resulting in the hollowing out of industry Implications for China:

1¡¢Fiscal policy and monetary policy should complement each other

2¡¢To promote integrated development in urban and rural areas. To reduce the gap between eastern

and western regions.

3¡¢While improving people's livelihood, the social security should be consistent with national conditions, step by step, not the blind pursuit of high welfare

4¡¢Adhere to the financial should support for the development of the real economy. Guide the funds flow into the real economy, to promote the sound and rapid development of real economy.

13¡¢ÈçºÎÌáÉýÒøÐеķþÎñÖÊÁ¿

1¡¢×ª±ä¾­ÓªÀíÄîÓ¦ÒÔ¿Í»§ÎªÖÐÐÄ£¬¶ø²»ÊDzúƷΪÖÐÐÄ 2¡¢¼ÓÇ¿¹ÍÔ±µÄÅàѵ£¬Ìá¸ß²Ù×÷ÄÜÁ¦£¬¸ÄÉÆ·þÎñ̬¶È

3¡¢ÊµÐпÆÑ§ºÏÀíµÄ¿¼ºËÖÆ¶È£¬½«·þÎñÖÊÁ¿ÄÒÀ¨½øÈ¥£¬Èÿͻ§ÆÀ¼ÛÖÊÁ¿ 4¡¢¸ÄÉÆÓªÒµÍøµãµÄ»·¾³£¬Èÿͻ§¸ü¼ÓÊæÊÊ

How to improve the quality of banking services?

1¡¢Changes the business philosophy of customer-centric rather than product-centric. 2¡¢Emphasis on employee training, both the operating capacity and the service attitude.

3¡¢Implement the scientific and rational evaluation system to include quality of service, and allow customers to evaluate quality

4¡¢Improve the environment of the outlets to make customers more comfortable

About CBRC

China Banking Regulatory Commission

The main functions of the CBRC Òø¼à»áÖ÷ÒªÖ°ÄÜ

Formulate supervisory rules and regulations governing the banking institutions;

ÒÀÕÕ·¨ÂÉ¡¢ÐÐÕþ·¨¹æÖƶ¨²¢·¢²¼¶ÔÒøÐÐÒµ½ðÈÚ»ú¹¹¼°ÆäÒµÎñ»î¶¯¼à¶½¹ÜÀíµÄ¹æÕ¡¢¹æÔò£» Authorize the establishment, changes, termination and business scope of the banking institutions; ÒÀÕÕ·¨ÂÉ¡¢ÐÐÕþ·¨¹æ¹æ¶¨µÄÌõ¼þºÍ³ÌÐò£¬Éó²éÅú×¼ÒøÐÐÒµ½ðÈÚ»ú¹¹µÄÉèÁ¢¡¢±ä¸ü¡¢ÖÕÖ¹ÒÔ¼°ÒµÎñ·¶Î§

Conduct on-site examination and off-site surveillance of the banking institutions, and take enforcement actions against rule-breaking behaviors;

¶ÔÒøÐÐÒµ½ðÈÚ»ú¹¹µÄÒµÎñ»î¶¯¼°Æä·çÏÕ×´¿ö½øÐÐÏÖ³¡¼ì²é£¬·ÇÏÖ³¡¼à¹Ü£¬´¦ÖÃÎ¥¹æÐÐΪ Conduct fit-and-proper tests on the senior managerial personnel of the banking institutions; ¶ÔÒøÐÐÒµ½ðÈÚ»ú¹¹µÄ¶­Êº͸߼¶¹ÜÀíÈËԱʵÐÐÈÎÖ°×ʸñ¹ÜÀí

Compile and publish statistics and reports of the overall banking industry in accordance with relevant regulations:

¸ºÔðͳһ±àÖÆÈ«¹úÒøÐÐÒµ½ðÈÚ»ú¹¹µÄͳ¼ÆÊý¾Ý¡¢±¨±í£¬²¢°´ÕÕ¹ú¼ÒÓйع涨ÓèÒÔ¹«²¼

Provide proposals on the resolution of problem deposit-taking institutions in consultation with relevant regulatory authorities; ÓëÏà¹Ø¼à¹Ü»ú¹¹¹²Í¬Ð­ÉÌ´¦ÀíÓÐÎÊÌâµÄ´æ¿î»ú¹¹

Responsible for the administration of the supervisory boards of the major State-owned banking institutions; and Other functions delegated by the State Council;

¸ºÔð¹úÓÐÖØµãÒøÐÐÒµ½ðÈÚ»ú¹¹¼àÊ»áµÄÈÕ³£¹ÜÀí¹¤×÷£»³Ð°ì¹úÎñÔº½»°ìµÄÆäËûÊÂÏî