| 1. | The state bank ' s reform falls into a difficult position because of the bank ' s capital problem
这两方面的合力对脆弱性的状况起到决定性的作用。 |
| 2. | As the state control cost increases , the state would relax the control by reforming the state bank ' s present institution
在此约束下，国家控制型的金融制度是唯一的也是必然的选择。 |
| 3. | These include directives to the state banks to limit lending to targeted sectors , such as steel , cement , aluminium and real estate
这些措施包括，向国有银行发出指令，限制向重点行业如钢铁、水泥、铝业和房地产的贷款。 |
| 4. | There are mainly five parts in this article . firstly , the author reasons the fact of the state bank monopoly in china by using a lot of numbers and index
第二部分分析国有银行垄断的成因，笔者提出了国家、地方、银行三方垄断金融资源偏好的假说。 |
| 5. | Because of the problems of the state banks and the card itself , we must push the reforming of " companying " to insure the credit card ' s development
由于国有商业银行大环境及信用卡自身发展中遇到的问题，信用卡的可持续发展必须依靠新的改革? ?公司化进程来保证。 |
| 6. | If the state wants to pass the propriety rights of state banks to other economic units , it must firstly pour enough funds into the state bank ' s capital and make the bank deposits return to be bank ' s debts only
在银行还未实现完善的市场化运作时，国家担保的消失将使银行体系的脆弱性加剧；同时规范的市场机制的深化又会缓解脆弱性的积聚。 |
| 7. | Then the paper analyses the obstacle that leads to today ' s situation and the low - speed of township and village enterprises development , and the asymmetry information between the state bank and township and village enterprises . then it brings forward a series of resolution and consideration points on systematization bringing into effect
论文详细地分析了造成目前这种现状的根源，研究了致使乡镇企业滞后发展的体制性障碍及企业与银行之间信息不对称等问题，并在这基础上提出了一系列的对策建议及进行系统化实施的思路要点。 |
| 8. | After the analysis on internal and external factors , the four banks can make improvements in respective deficiencies . by taking all - round reform measurements , for example , optimizing their organization and management , improving traditional operation , achieving more profits in main businesses , encouraging innovation in products and services , perfecting cost management and making progress in efficiency , the state banks will strengthen their earning power and achieve competitive advantages in future
通过对内外部影响因素的分析，国有商业银行可以对症下药，通过优化组织与管理、加强常规业务管理、提高主营业务盈利水平、积极进行金融创新、开拓银行业务体系、完善成本管理体制、提高经营效率等途径，尽快提高盈利能力，增强竞争力。 |
| 9. | Thirdly , this part is the most important in this article , and it includes six parts . it mainly remains the result of the state bank monopoly structure . in fourth part , the author talks about the change and the way to change off the state bank monopoly . it mainly includes two parts : the theory of others and the author " s thinking and model
第四部分论述了国有银行垄断制度结构的变革思路，主要包括两个方面：一是已有的变革思路，包括“金融控制论” 、 “金融约束论” 、 “产权制度改革论” 、 “体制外改革论”等；二是笔者提出的“协调一致改革”的思路。 |
