→Finishing Date：11.2005 →Pages：1127 →Figures：183
→Hardcopy：2000 USD →Electronic：2150 USD → Both：2300 USD
→Report Introduction
In 2005, is China enters world the fourth year. The reform, the innovation and the internationalization were still the our country banking industry''s three big subjects. Does not dare to reform, our country bank truly becomes the pursue profit maximization with difficulty the commercial bank, will be going to endanger China to pass the achievement which more than 20 years reform will obtain and endangers Chinese economy later the growth; Not eagerly innovates, our country bank obtains the competitive ability with difficulty in day by day keen competition which continues, is going to continue to pace back and forth in the low level profit management level; Does not dare the internationalization, our country bank with difficulty under in the WTO frame whole world money market the survival and the development, is going to endanger our country the international competition ability. How will the Chinese banking industry reform? How innovates? How internationalizes? When can the Chinese banking industry only then both and be greatly strong?
This memoir closely revolves the reform, the innovation and the internationalization these three subjects, to the international banking industry market development condition, our country banking industry''s reform and the development present situation, our country banking industry''s innovation and the competition pattern and so on has carried on the thorough analysis, and after joined WTO the opportunity and the challenge, banking industry''s internationalization question and so on advancement, banking industry''s development tendency and strategy has carried on the discussion.
CONTENTS
Part One The analysis of banking''s investment characteristic and investment characteristic
Chapter One The characteristic analysis of banking invests 1
Section One The foundation of banking''s market sectionalization 1
First, classification 13
Second, business classification 16
Section Two The characteristic analysis of banking invests 20
First, bank service characteristic 20
Second, analysis the payback period of investment of banking 24
Third, investment risk of the banking 25
Fourth , growth and development potentiality of the banking of our country 27
Fifth, trade cycle of the banking of our country 28
Sixth, entry barrier of the banking 29
Part Two Reform and development of banking
Chapter Two Examine the Chinese banking closely 30
Section One The overall situation of Chinese banking''s development 30
First, position in financial circles of Chinese banking 30
Second, general view of Chinese banking 51
Section Two business facilities form of Bank of China 57
First, the occupying state of business facilities of bank 57
Second, the distribution of the Chinese bank agency 61
Section Three Situation of China''s banking 65
First, situation of the business of bank account of our country 65
Second, situation of the Chinese bank loan business 69
Third, situation of the intermediate business of Bank of China 74
Fourth, bank card business situation of the bank of our country 90
Fifth, international business situation of the bank of our country 94
Sixth, business situation of agent of the bank of our country 104
Seventh, business situation of management of personal money of the bank of our country 108
Section Four The network bank in China 109
First, state of development of Chinese network bank 109
Second, consumer analysis of network bank 120
Third, the main investigation result of online bank''s users 126
Fourth, the main investigation result of the online bank''s potential users 127
Fifth, network marketing question of the online bank 127
Section Five Extremely potential rural financial market of China 129
First, rural financial market situation 129
Second, development prospect of the rural financial market of China 133
Section Six Positions and current situations in World Bank industry of Chinese banking 139
First, position in World Bank industry of Chinese banking 139
Second, Essential feature of development of Chinese banking 141
Third, question existing in the Chinese banking develops 144
Chapter Three The run state of Chinese banking 167
Section One The run state of Chinese banking in 2004 167
First, the money supply increases appropriatly , meet the need of the present economic growth 167
Second, enterprise''s deposit increases steadily, resident''s savings account growth accelerates 173
Third, the loan in foreign currency begins to go up , the foreign exchange reserve increases notably, the exchange rate of RMB remains stable 174
Fourth, the basic currency increases steadily, the excess capital reserve rate of state-run commercial bank is normal 175
Section Two The run state analysis of Chinese banking in 2005 176
First, the run analysis of Chinese currency in the first quarter of 2005 176
Second, banking''s prospect forecast of 2005 183
Third, main characteristic that the assets quality of financial institution raises 189
Fourth, the runs analysis of the state-run bank 190
Fifth, the urban commercial bank develops and takes a favorable turn continuously 214
Sixth, domestic economy and finance trend and monetary policy prediction 218
Chapter Four The reorganization of Central Bank and the set-up of China Banking Regulatory Comminsion 227
Section One Central Bank of the weak tendency needs the system reform badly the most 227
First, foundation and development of the People''s Bank of China 227
Second, the function of the People''s Bank of China develops 230
Section Two Position and acting on of the China Banking Regulatory Commission 243
First, the set-up of China Banking Regulatory Commission 243
Second, the function of the China Bankig Regulatory Commission 250
Third, the implementation of the supervision means and mode 255
Chapter Five The property right improvement and financing plan of the commercial bank 259
Section One The meaning that the property right improves in the Chinese banking 259
First, it helps the commercial bank to get rid of the finance to fetter that the property right is improved 260
Second, it help the commercial bank to improve management system that the property right is improved 261
Third, it help the commercial bank to raise the sufficient rate of the capital and reduce the non-performing loan that the property right is improved 263
Section Two Main way in which the property right improves 265
First, listed on domestic stock market financing 265
Second, introduce external investors 267
Third, introduce the folk capital 269
Fourth, other ways 274
Chapter Six The treatment of the non-performing assets of the bank 278
Section One Objective assessment of potential threat of the bad account 278
First, scale and origin cause of formation of the bad account：the national debt 278
Second, risk that the bad account causes to national economy 306
Section Two Relation between national financial policy and bad account administration 307
First, the bear way and remedy method of the loss of bad account 307
Second, some new thinkings of relying on the state finance to manage the bad account 313
Section Three Current situation and the future of four major property management companies 321
First, cost-benefit analysis which the property management company runs 322
Second, the advantage and inferior position of the property management company 324
Part Three Innovation and competition of banking
Chapter Seven Influence factor of development of Chinese banking 329
Section One Impact on banking of China''s economic development situation 329
First, impact on banking of the national economic focal point of work of 2005 329
Second, macroeconomy situation analysis of the first quarter of 2005 337
Section Two The impact on banking of the development of other financial investment tools 358
First, popular investment tool --Influence of the fund 358
Second, market prediction of the fund of 2005 384
Third, the development of the insurance influences the banking 399
Fourth, the impacts on deposit of development of bond industry 402
Fifth, the impact on banking of development of trust business 404
Sixth,the impact on banking of development of stock market 409
Seventh, the impact on banking of development of real estate trade 413
Chapter Eight The composing of Banking''s competition pattern 417
Section One Composition of banking''s competition pattern of our country 417
First, competition pattern overview of Chinese banking 417
Second, new entrant''s impact on competition pattern -- banking admittance 417
Third, four major specialized banks are in the monopoly position 419
Fourth, monopolize in the administration of the banking of our country 419
Section Two Competitive power that can be explored --Retail bank 421
First, the new change of the developed countries''retail bank 421
Second, the classification and analysis of the retail banking''s products 423
Third, the current situation and restriction factor of retail business of commercial bank of our country 435
Fourth, development tactics of the domestic retail trade of commercial bank 438
Fifth, the retail trade that the interior foreign capitals bank has a contest 443
Section Three The analysis of running characteristic of five listing banks 447
First, China Merchants Bank：The retail trade advantage is obvious 447
Second, Minsheng Bank：Innovation aspires for development 449
Third, Pudong Development Bank：Realize three major transitions progressively 450
Fourth, Shenzhen Development Bank：Take the lead in implementing the foreign capitals to merge 452
Fifth, Huaxia Bank：Listing course of having difficult labour 454
Chapter Nine Key enterprise''s analysis 457
Section One Bank of China 457
First, Bank of China gains 20 billion business to develop and present four characteristics in the first quarter of 2005 457
Second, difficult choice of the overseas listing back of Bank of China 458
Section Two Industrial and Commercial Bank of China 462
First, the State Council determines Industrial and Commercial Bank of China implements the shareholding system reform 462
Second , every deposit , loan balance of the branch within the territory of Industrial and Commercial Bank of China 464
Third, profit-and-loss statement of Industrial and Commercial Bank of China 465
Section Three Construction Bank of China 467
First, financial situation 467
Second, asset-liabilities situation 469
Third, business performance and development 471
Section Four Agricultural Bank of China 475
First, Agricultural Bank of China will realize managing the profit of 32 billion yuan in 2004 475
Second, question that the reform of agricultural bank should be paid attention to 476
Section Five Bank of Communications 487
Section Six Ever Bright bank 491
Section Seven CITIC Industrial Bank 496
Section Eight China Merchants Bank 499
Section Nine Minsheng Bank --The business is improved 502
First, retail trade 502
Second, company''s business 505
Section Ten Shanghai Pudong Development Bank --The internationalized trend is obvious 510
Section Eleven Shenzhen Development Bank --Introduce strategic investors 511
Section Twelve China Industrial Bank 517
Section Thirteen Huaxia Bank 519
Section Fourteen Development bank of Guangdong --Support the medium and small enterprise run by the local people especially 527
Chapter Ten Innovate in order to improve the competitiveness in a more cost-effective manner 529
Section One Bank competition''s edge toll --Innovation 529
First,competitiveness analysis of Chinese commercial bank of 2004 529
Second, business innovation of foreign bank 545
Third, rational choice under the demand and competition pressure 549
Fourth, innovate the macroscopical effect：Monetary policy and finance''dafety 558
Fifth, the system is restricted：Main obstacle of products innovation 564
Sixth, restriction of innovation：Ericsson " changes sides " 567
Seventh, commercial bank, organization of independent managenment of the trades launch the suggestion of financial innovation 568
Section Two Innovative great inventory of commercial bank 573
First, innovation of the loans and deposits business 574
Second, innovation of the personal assets business 578
Third, innovation of the intermediate business 580
Fourth, innovation of other respects 580
Section Three The construction of banking''s run platform 582
First, the ChinaUnionPay established --Promote the Chinese bank card business 582
Second, China financial authentication centre is established --Assuare the boat is protected and driven for the network bank 586
Third, loan guarantee of small and medium-sized enterprises --Another light spot of the loans market 597
Fourth, await complete the credit grade system 604
Section Four Management of personal money 611
First, business of management of personal money in the ascendant 611
Second, market competition of management of personal money 612
Third, consumer analysis of management of personal money 613
Fourth, business characteristic of domestic management of personal money 620
Section Five Private banking of the transnational bank 630
First, the market of private bank of Asia and China 630
Second, what do the foreign private banks all do for the rich? 631
Third, by what does the private bank keep the customer here? 633
Fourth, the Chinese and foreign finance grappled had already begun 635
Section Six International business 638
First, China''s international trade development overview 638
Second, business objective market of international settlement 640
Third, international business competition 641
Fourth, global finance down development trend of international settlement and expand tactics integratively 643
Section Seven Business of the note 649
First, question and countermeasure in the market of note of our country 649
Second, question and suggestion existing in the bank note business 653
Third, characteristic of market of note of our country of 2004 655
Fourth, business competition of domestic note 667
Fifth, influence the restriction factor of business development of note of our country 673
Sixth, the countermeasure of the development of the note business 676
Section Eight The bank acts for the business 679
First, banking insurance 679
Second, investment securities deposit the business within the territory of QFII 683
Section Nine Development of the business of the bank card 685
First, the bank card networks " 314 " in common use the goal is realized in an all-round way 685
Second, ChinaUnionPay how about reply the international standard 686
Third, issued volume and holding the consumption situation of the card 688
Fourth, pattern of market of bank card of our country 690
Fifth, consumer analysis of Chinese bank card market 697
Sixth, advanced customer of the credit card business 703
Seventh, bank card pay system drive e-commerce 710
Part Four Internationalized trends of banking
Chapter Eleven Bank of China steps up preparation, tackles the challenge 718
Section One Impact which the banking of our country received of the first year that joining WTO 718
First, the clause correlated with the banking in WTO 718
Second, joins WTO to our country banking industry''s frontage influence 735
Third, joins WTO the pressure and the impact which brings to our country banking industry 737
Fourth, the comparative advantage analysis of Chinese medium and small commercial bank under WTO environment 742
Section Two Capital sufficient rate unceasing enhancement 750
First, the Barthel agreement and its to commercial bank''s limit 750
Second, Member of the agreement of Basel state 754
Third, we have very far distances to leave the international standard 764
Section Three Internationalization of the managerial system 765
First, route analysis of the internationalization of Chinese banking 766
Second, main defect on the management system of bank of our country 778
Chapter Twelve Analysis of current situation of the development of foreign banking 781
Section One Foreign banking''s characteristic in the 21st century 781
First, management almightization 781
Second, business globalization 781
Third, the competition is fierce 781
Fourth, scale maximization 782
Fifth, serve and innovatization 782
Sixth, income pluralism 783
Seventh, management systematization 783
Eighth, behavior legalization 783
Ninth, means modernization 784
Tenth, establishment of a full-fledged shareholding system of system 785
Section Two The American banking move towards declines 785
First, development course of American banking 785
Second, the system of Bank of America-National Trust & Savings Association moves towards declining 790
Third, trends of American banking of 2004 792
Section Three Japanese banking with very heavy predicament 795
First, Bank of Japan moves towards mixed operation and great merger 795
Second, reform course of the present Japanese banking 804
Third, the Japanese banking faces rectifying and improving greatly 806
Section Four Asian banking while combining 809
First, the Asian banking quickens the steps of combining 809
Second, the bad account questions of the banks of various countries of Asia 811
Section Five New trend of European Union bank 814
First, capital rank of stock market of European Union banking 814
Second, new trend of European Union banking 815
Section Six The drawing lessons and enlightenment of development experience of foreign bank 821
First, the experience of management of the foreign capitals bank is drawn lessons from 821
Second, the enlightenment to our country that U.S.A. deals with experience of the non-performing assets of the bank 824
Third, enlightenment of the privatization of Banco de Maxico 831
Section Seven The large argue of Chinese and foreign banks 840
First, cooperate in management of the Chinese and foreign banks 840
Second, analysis of resident of our country choose to the foreign capitals bank 842
Third, disparity analysis of Chinese banking and world 844
Chapter Thirteen State of development in our country of foreign bank 861
Section One Constant expansion of the foreign bank 861
First, open process that the agreement stipulates that jions WTO 861
Second, main expansion means of the foreign capitals bank 862
Third, the experience of management of risk of foreign capitals bank is their security expanded 865
Section Two The capital permeation of the foreign bank 869
First, the foreign capitals bank participates in Bank of China by shares：Win-win pattern 869
Second, the capital advantage of the foreign capitals bank is their edge tolls which expand the market 873
Third, the foreign capitals bank utilizes the technological advantage to grab the customer 874
Section Three The compare of intermediate business between China and foreign-funded commercial bank 877
First, the policy orientation differs 877
Second, subjective attention degree is different 878
Third, the commercialized degree is with a wide gap 879
Fourth, management and administration disparity is great 879
Fifth, the relative superiority of technological means is obvious 880
Sixth, variety range greatlies differ from each other 881
Seventh, scale and income is different condition 882
Eighth, talent capacity is incomparable 882
Section Four Resisting the measure rationally of our government and commercial bank 883
First, kind to the policy treatment of foreign capitals bank in the world 883
Second, the tactics advice that our country imports foreign capital in the banking 885
Part Five Trend and countermeasure
Chapter Fourteen The development trend analysis of banking 888
Section One Development trend of the modern commercial bank 888
First, the latest monetary policy of Central Bank and the trend of 2005 888
Second, prospect of Chinese banking of 2005 891
Third, the financial product expands the aggravation of innovation 894
Fourth, revolutionary further development of financial network 895
Fifth, constant break-through of the banking almightinessization 896
Sixth, the speed of flow , the structure of flowing and the form of flowing of international capital have changed 897
Seventh, the merger among the banking grows in intensity 898
Eighth, the nine main trends of Chinese banking development 899
Section Two The finance holding 905
First, CITIC holding establishes 905
Second, history and current situation 906
Third, world trend 909
Fourth, countermeasure of China 913
Section Three Expand the capital market 916
First, rapid development impacts and challenges to the banking of our country of the capital market 917
Second, opportunity that the development of capital market brings to commercial bank 918
Third, the banking develops business of investment bank it is the trend of the times 921
Fourth, the advantage that the state-run commercial bank launches the business of investment bank 926
Fifth, thinking that the state-run commercial bank develop the the business of investment bank 928
Section Four Bank grouping 932
First, external experience can be drawn lessons from 932
Second, current situation of the development of the banking of our country 934
Third, strategic meaning in China''s economic development of bank grouping 937
Section Five The bank''s mergence 940
First, tide of merging of World Bank 940
Second, the bank of our country jointly merges 942
Third, the international banking merges tides to the enlightenment of bank of our country 945
Section Six Dualization development trend of the Chinese banking 951
First, financing current situation of state-owned enterprise 952
Second, enterprise run by the local people 957
Third, enterprise''s financing state determines the dualization development trend of the bank 958
Fourth, dualization trend of the bank 959
Section Seven Electronic trend of the network 960
First, electronic process of foreign bank 961
Second, electronic construction of Bank of China 969
Section Eight The intermediate business will become the focus of the competition 970
First, the intermediate business of international bank accounts for banking proportion to improve 970
Second, traditional business space of Chinese banking will be fewer and fewer 971
Third, the intermediate business is business fields that the Chinese banking remains to develop , the profit space is very large 974
Chapter Fifteen The banking''s brokenthrough management 977
Section One Brokenthrough strategy 977
First, strategic choice of regional development of urban commercial bank 977
Second, expand the capital market it is the strategic choice of the commercial bank 987
Section Two Brokenthrough management 999
First, new mode of bank management of ISO09000 999
Second, the reforger of banking procedure 1006
Third, risk managerial ability --Key ability of the commercial bank 1009
Fourth, customer relation''s management 1018
Section Three Brokenthrough marketing 1028
First, credit marketing of the state-run commercial bank 1028
Second, current situation and countermeasure of commercial bank account marketing 1039
Third, marketing online business tactics and enlightenment of Bank of Montreal 1047
Chapter Sixteen Chance and countermeasure of banking''s development 1054
Section One Management tactics analysis of the solely state-owned commercial bank 1054
First, the reorientation of state-run commercial bank 1054
Second, according to management inside the bank 1061
Third, according to market open-up respect 1074
Fourth, tactics that the state-run commercial bank should be market-based to the interest rate 1091
Section Two Management tactics analysis of commercial bank of the shareholding system 1099
First, set up modern company''s administration structure, offer the system guarantee for sustainable development 1099
Second, set up the innovative mechanism of finance, offer motive force and source not exhausted for sustainable development 1102
Third, set up the developing platform of intermediate business, offer the business for sustainable development and expand the space 1104
Fourth, set up the modernized technological system with computerizing financial services at the core, offer technical support and technological guarantee for sustainable development 1108
Fifth, set up characteristic financial corporate culture, offer the ideological impetus and intelligence for sustainable development 1109
Section Three Management tactics analysis of urban commercial bank 1111
First, difference that the management tactics of urban commercial bank exist 1112
Second, the main management tactics that urban commercial bank tackles challenge 1114
Third, innovate and will just develop 1118
Fourth, really pay attention to talents 1119
Fifth, implement the company to unite 1120
Section Four Management tactics analysis of rural credit office 1121
First, innovate is a strong weapon of development 1121
Second, handle relation correctly of the support agriculture and fund safety 1124
Third, suit measures to local conditions, quicken the steps of setting up the regional rural commercial bank 1125
CHART CONTENTS
Chart：Analysis graph of currency movement index 2
Chart：the situation table of current currency 3
Chart：Analysis graph of financial organ service development 4
Chart：Analysis graph of money market index 8
Chart：the sorting table of Banking''s middle service 18
Chart：every deposit of domestic financial institution''s foreign exchange in January - March of 2005 31
Chart：RMB every loan of financial institution in January - February of 2005 32
Chart：Domestic and foreign currency every loan of financial institution in January - March of 2005 33
Chart：All kinds of profit indexes of commercial bank 47
Chart：Different expenses indexes of commercial bank 47
Chart：The time sequence tables of nointerest expenses expenditure (a hundred million yuan ) and rate of increase of commercial bank (% ) 49
Chart：The scale of average assets of commercial bank 55
Chart：Sketch map of non-performing loan rate of domestic bank 55
Chart：the statistical form of facilities of our country main commercial bank 57
Chart：The composing graph of main commercial share of bank agency in our country 59
Chart：The composing of main special share of trade company of commercial bank of our country 60
Chart：The composing of the main ATM machine share of commercial bank of our country 60
Chart：The composing of the main POS machine share of commercial bank of our country 60
Chart：Distribution table of four major state-run bank agencies of our country 61
Chart：Branch''s distribution map of foreign capitals bank 64
Chart：Distribution map of representative office of foreign capitals bank 64
Chart：Source structure chart of deposit of our country 69
Chart：The loan balance of the top ten provinces and cities of financial institution of our country 73
Chart：The composing of newly-gained loan organization of our country 74
Chart：The survey graph of Bank of America-National Trust & Savings Association loses customer''s probability 78
Chart：The contrast graph of main country hold card rate and our country hold card rate 92
Chart：Operating position sketch map of bank card of our country 92
Chart：Consumer''s attitude toward network bank 120
Chart：The reason that the customer chooses the network bank 122
Chart：The customer uses the number of times of different services of network bank averagly per month 122
Chart：Reason why the customer opens an account in different banks 123
Chart：Reason why the customer " job-hops " 123
Chart：The reason that the customer does not use the network bank pays 123
Chart：Reason why the number of times of investor''s investment increases that surf the Net 124
Chart：Users'' purpose that use financial account and the general website of bill inquiry 125
Chart：Users'' purpose that use the whole function financial service website 125
Chart：Every index rank in 1000 large banks in the world of every large Chinese commercial bank 141
Chart：International comparision of the non-performing loan rate of state-run bank 147
Chart：The money supply acceleration rate will obviously fall after rise in 2004 171
Chart：The sufficient rate of the domestic capital of listing bank and financing plan 173
Chart：The complexion table of in-poured capital and out-flown capital of financial institution 188
Chart：Monthly weighted average interest rate tendency picture of money market 189
Chart：The situation that Central Bank''s repurchase trade in April of 2005 225
Chart：The situation that Central Bank will issue the note by way of invite public bidding in interest rate in April of 2005 226
Chart：Rate comparison sheet of the fund 362
Chart：The increase situation that the total share of the fund operate for more than one year 365
Chart：Increase pictures of Seven fund share rate from June 30 , 2004 to March 31 , 2005 366
Chart：Share growth rate and relation picture of the scale of fund 367
Chart：The distribution of fund share of money market at the end of April of 2005 367
Chart：The relation graph of the fund average return rate and the scale of fund from April to September of 2005 368
Chart：The structure chart of the investor of fund of money which operate for more than one year 369
Chart：Holder''s amount of the fund of money market and holding share per family ( Seven funds are average) 370
Chart：The proportion of institutional investor''s share and relation picture of the share of investment per family 370
Chart：The picture that Earning ratio change and average return 371
of seven funds 371
Chart：Three fund take earning ratio change situation picture every year will it be one over one year 371
Chart：Seven fund take earning ratio variance picture every year one 372
Chart：Index tendency of national debt of Shanghai Stock Exchange 374
Chart：Central Bank note issue interest rate tendency picture since July 2004 374
Chart：seven fund bond to net value ( %) 375
Chart：The relation of fund share of money market and fund bond to net value 376
Chart：The survey situatin table of the open-ended fund 378
Chart：Development of fund market of 1998-2004 year 386
Chart：The American consumptive credit takes the proportion of the personal income 422
Chart：Citibank''s account expenses standard 426
Chart：Heng Seng Bank and Standard Chartered Bank (HK) invest in product introduction 430
Chart：Citibank''s account product introduction 434
Chart：Stock right structure of Huaxia Bank before listing 454
Chart：Ten the first big shareholder''s situations of Huaxia Bank before listing 455
Chart：Every deposit , loan balance of the branch within the territory of Industrial and Commercial Bank of China 464
Chart：Profit-and-loss statement of Industrial and Commercial Bank of China 465
Chart:Operation of Industrial and Commercial Bank of China 467
Chart：The RMB deposit , loan situation of all quarter of the Construction Bank of China of 2003 468
Chart：Balance sheet of the Construction Bank of China of 2003 469
Chart：Operation of the Construction Bank of China 470
Chart：Bank account , loan balance that promote trade and investment 500
Chart：Shanghai Pudong Development Bank manages the business income of the main products divided according to area 511
Unit：A thousand yuan 511
Chart：Business income situation divided according to the business kind 516
Chart：Business income situation divided according to the regional income 516
Chart：Bond investment return of the whole bank 521
Chart：Listing bank financing situation in recent years (including implementing); 545
Chart：The proportion picture of call deposit of Guangdong Province various banks 551
Chart：The proportion picture of consumptive loan of Guangdong every bank 552
Chart：The proportion picture of discount loan of Guangdong every bank 554
Chart：Virtual innovative products table of banking of Guangdong 555
Chart：Every bank card function table of Guangdong 556
Chart：Information table of personal housing loan of every bank 575
Chart：The survey sketch map of the reason doing shopping on the net of our country 592
Chart：Sketch map of the situation that American small and medium-sized enterprises survive 598
Chart：The investigate sketch map in will of consumer''s management of personal money 614
Chart：The investigate sketch map in demand of consumer''s management of personal money 614
Chart：The investigate sketch map of consumers in investment combination 615
Chart：Proportion of resident taking various kinds of financial assets as main financial investment tool 616
Chart：The contrasts of average income of the Chinese residents who have invested all kinds of financial instruments 617
Chart：The investigate sketch map in reason of business demand of consumer''s management of personal money 617
Chart：The investigate sketch map in demand kind of consumer''s management of personal money 618
Chart：The investigate sketch map of the customer demand to the instructor of management of personal money 619
Chart：Foreign trade top ten of China 638
Chart：Top ten , foreign trade of China , is it take gross domestic product proportion to export 639
Chart：China''s international account settlement business competition situation 642
Chart：The Chinese note network has been offered and changed since the first half of the year 657
Chart：Trust bank of investment securities within the territory of QFII 684
Chart：The situation that Chinese resident''s bank card uses 689
Chart：The consumption environment''s contrast of Chinese and foreign bank cards 690
Chart：China issued volume the top ten banks 691
Chart：The credit card market of Bank of China occupies the situation 692
Chart：Chinese bank card market gives the situation of occupying of the market according to the turnover 693
Chart：The Chinese bank card business card trades the rank 694
Chart：Rank of amount of consumption of business card of the Chinese bank card 695
Chart：Rank of the balance of deposits of business card of the Chinese bank card 695
Chart：Carter of Bank of China invites the distribution situation of every bank of trade company 695
Chart：ATM occupy situation of China main credit card company 696
Chart：POS occupy situation of China main credit card company 696
Chart：The top ten area and Proportions accounted for of China bank card issued volume 697
Chart：China issued volume the top ten between area and proportion that account for 698
Chart：State of consumer''s age of the bank card 698
Chart：Consumer''s academic situation of the bank card 699
Chart：Chinese residents hold the card and consume the main field 700
Chart：Consumers faces the subject matter that use the bank card 700
Chart：Chinese residents handle the purpose of the credit card 702
Chart：Every bank of member state supervises the authorities and makes the loan and classifies regular power 756
Chart：Categorised method of the many loan to the same debtor 761
Chart：Capital list of stock market of European Union bank 815
Chart：Ratio chart of foreign capitals bank in residents of our country choose 842
Chart：The ratio chart that residents handle the deposit and housing loan business in the foreign capitals bank mainly 843
Chart：The comparison sheet of capital state of Chinese commercial bank and international bank 845
Chart：The comparison sheet of assets quality state of Chinese commercial bank and international bank 847
Chart：The comparison sheet of profitable state of Chinese commercial bank and international bank 851
Chart：The comparison sheet of comprehensive management level of Chinese commercial bank and international bank 855
Chart：The comparison sheet of mobile state of Chinese commercial bank and international bank 858
Chart：The business time table of the foreign capitals bank manages RMB 861
Chart：Non-performing loan situation of the bank system 892
Chart：The policy position that some banks of main country district are to is operated separately 922
Chart：The action and effect of our country some bank march toward business of investment bank of field 923
Chart：World Bank''s card trade state picture 961
Chart：The policy position of some banks of main country district are to that is operated seperately 993
Chart：The action and effect that China some bank march toward business of investment bank of field 995
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