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、入世后中资银行所面临的三个最主要的问题,该如何面对和解决？
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、入世十年对中国金融业的影响
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、入世十年对中国银行业的影响
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、如何看待2011年股市 股市是“经济晴雨表”，是实体经济的反映。股市的良性发展，有利于企业募集资金，有利于公众分享经济发展的成果。
2011年股市，A股十年零涨幅，80%的股民亏损，主要反映了以下几方面的问题：
1、反映世界经济复苏放缓，我国经济增长速度趋缓，暴露出市场对于经济发展前景的担忧 2、证券市场的新股发行制度不完善，重融资轻分享，公司治理结构不健全等诸多体制性问题
3、证券市场的监管不利，暴露出很多公司丑闻。
引导股市走上良性的发展道路，我们应采取以下措施：
1、进一步完善股市发行制度，把握好新股发行的节奏和力度
2、规范上市公司的运行，完善法人治理结构，促进经营管理水平的提高
3、加强证券市场的监管，打击内部交易，加强信息披露，为股市发展提供良好的发展环境，提振公众信心
4、放开养老基金、社保基金投资A股的门槛，为股市注入新鲜的血液
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、欧债危机的起源，对中国的启示
欧债危机发生的原因是多方面的，主要有：
1、欧元是非主权货币，货币体系与财政体系没有进行良好的对接
2、欧元区国家经济发生不平衡，法国、德国、希腊、爱尔兰经济差异比较大，货币同盟的一个前提条件就是区域内国家的经济发展水平相似 3、欧元区国家普遍高福利，造成了巨额的财政赤字
4、虚拟经济过度繁荣，脱离实体经济发展，造成产业的空心化 对中国的启示：
1、改善民生，加强社会保障，要与国情相符合，循序渐进，不可一味追求高福利 2、财政政策与货币政策要相互配合
3、推动城乡一体化发展，减少东西部之间的差距
4、坚持金融支持实体经济发展，合理引导资金流入实体经济，促进实体经济的又好又快发展
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、如何提升银行的服务质量
1、转变经营理念应以客户为中心，而不是产品为中心 2、加强雇员的培训，提高操作能力，改善服务态度
3、实行科学合理的考核制度，将服务质量囊括进去，让客户评价质量 4、改善营业网点的环境，让客户更加舒适
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 银监会主要职能
Formulate supervisory rules and regulations governing the banking institutions;
依照法律、行政法规制定并发布对银行业金融机构及其业务活动监督管理的规章、规则； Authorize the establishment, changes, termination and business scope of the banking institutions; 依照法律、行政法规规定的条件和程序，审查批准银行业金融机构的设立、变更、终止以及业务范围
Conduct on-site examination and off-site surveillance of the banking institutions, and take enforcement actions against rule-breaking behaviors;
对银行业金融机构的业务活动及其风险状况进行现场检查，非现场监管，处置违规行为 Conduct fit-and-proper tests on the senior managerial personnel of the banking institutions; 对银行业金融机构的董事和高级管理人员实行任职资格管理
Compile and publish statistics and reports of the overall banking industry in accordance with relevant regulations:
负责统一编制全国银行业金融机构的统计数据、报表，并按照国家有关规定予以公布
Provide proposals on the resolution of problem deposit-taking institutions in consultation with relevant regulatory authorities; 与相关监管机构共同协商处理有问题的存款机构
Responsible for the administration of the supervisory boards of the major State-owned banking institutions; and Other functions delegated by the State Council;
负责国有重点银行业金融机构监事会的日常管理工作；承办国务院交办的其他事项