The numbers cited several billion a year for each large universal bank are probably exaggerated but the impact is large .

虽然引述的数据可能有所夸大（每家大型 全能 银行每年损失数十亿），但影响确实是巨大的。

Universal Bank & Development Direction and Realistic Choice of the Banks in Our Country

全能 银行&我国银行业的发展方向和现实选择

European universal banks such as UBS Credit Suisse and Deutsche Bank constrained by the lack of opportunities in their overbanked home markets have also muscled into the American big league .

风行欧洲的银行如瑞士联合银行，瑞士信贷银行以及德意志 银行，因在倾斜过度的国内市场缺少机会而被迫挺进美国大联盟。

They can blame the universal adoption of fiscal stringency and the policies of the European Central Bank which let the money supply stagnate .

它们可以指责 普遍采纳的财政紧缩措施以及欧洲 央行 实行的政策，后者导致货币供应停滞。

There are a few universal banks in the US such as Bank of America and JPMorgan that have weathered the storm so far reasonably well .

到目前为止，美国有少数几家 全能银行相对较好地经受住了风暴，如美 银和摩根 大通。

There have three modes of diversified financial conglomerates in the world & universal bank financial holding company and non-financial holding company .

根据我国的国情和金融体系的特点，应该采用以 商业 银行为控股公司对证券、保险机构进行控股的金融 控股公司模式。

With its continuous innovation of products and sevices as well as the readjustment of management manner and structure Credit agricole has maintained a comparatively large share of market and has gradually developed into an universal bank .

产品服务的持续创新以及管理方式和结构的调整，使法国农业信贷银行在法国一直保持较大的市场份额，并逐步地发展成 全能 银行。

America is financial holding model ; German belongs to universal banking model and Japan is lead bank model .

美国属于金融控股公司模式；德国属于 全能银行模式；日本主办 银行模式。

Contrary to the selectivity of those groups the Gleco would have universal representation as at the IMF and World Bank .

与这些组织的选择性不同，全球经济委员会将会像imf和世界 银行一样，实行 普遍代表制。

Choice of the management mode of mixing management of Chinese commercial bank & The financial holding company or universal bank ;

中国商业银行混业经营模式的选择&金融控股公司还是 全能 银行；

Those economic crises occurred in 90 's 20 ~ ( th ) centuries lead to universal concern about bank risks all over the world .

20世纪90年代国际上发生的几次金融危机，引起了世界范围内对 银行风险的 普遍关注。

With the pace of financial reform accelerating and the banking self-discipline mechanism being consummated unceasingly banks put the safety of funds in the first place in operating so that credit crunch becomes a universal phenomenon in bank management .

随着金融业改革步伐的加快，银行自我约束机制不断完善，银行在经营中越来越把资金的安全性放在首位，异贷成为了 银行经营的 普遍现象。

German Universal Bank possessed the core position in the company with the dual roles of the biggest creditor & shareholder effectively participates in company management by virtue of proxy voting institution .

德国的 全能 银行以其最大债权人和股东的双重身份在公司中占据核心地位，借助代理投票权制度，有效地参与了公司治理。

Universal banks is such a kind of bank which can supply all financial service .

全能银行是指能提供全方位金融服务的 银行。

The vast universal bank agreed to buy Bear Stearns for $ 236m a fifth of the value of its shiny headquarters office block .

这家大的 国际 银行同意以两亿三千六百万美金买下贝尔斯特，相当于摩根大通总署的五分之一。

Universal banks such as Citigroup and Bank of America long dismissed as stodgy argue that their vast balance sheets and wide range of businesses from cards to capital markets give them an edge in trying times .

而被不屑一顾的 世界 性银行如旗 银行美国 银行、美国 银行辩解说，他们巨大的资产负债表和从信用卡到资本市场涉及广泛的业务领域，在经济困难时期反倒成了他们的一个优势。

However investigations showed that Mobile Banking is still in its early stage of development in our country . It has not yet truly universal . Bank customers have not a clear awareness of Mobile Banking .

然而调查表明，手机银行在我国的发展仍处于初级阶段，尚未真正 普及， 银行客户对于手机银行没有清晰的认识，对手机银行的安全性存在担忧。

This part analyzes three kinds of the mode of the financial group : the universal banking model the financial holding company model bank parent model and institutional structure of different modes .

这一章首先分析了金融集团的三种主流模式： 全能银行模式、金融控股公司模式、 银行母公司模式，分析了各种模式的组织结构。

Getting those merchants on board and using Facebook Credits as a universal form of payment will drive enough users to attach cards and bank accounts to their Facebook account .

有了这些商家之后，把FacebookCredits作为 通用的支付形式将吸引足够多用户把信用卡和 银行账户和Facebook账户绑定在一起。

Thanks to self-inflicted wounds and consequential external pressures the leveraged business model that defined the universal bank is broken .

由于自己造成的创伤和随之而来的外部压力， 全能 银行标志性的杠杆化经营模式已然失败。

Universal banks with Germany the main bank system has more similarities but from the article structure considerations will be more reasonable chapter of research in Germany and Japan .

主 银行制度与德国的 全能 型银行具有更多的相似点，所以从文章结构考虑，将德国和日本同章研究更为合理。

Cash inter-bank universal withdrawal refers to the payment from personal deposit account in other bank designated by the client .

现金 通兑方式是指，从客户指定的他 行个人存款账户支付现金。

A Study on the Development of Universal Bank in China from the View of Innovation of Bank System

从银行制度的创新看我国 全能 银行的发展

Its main target is the universal bank model the combination of commercial and investment banking .

该报告的主要攻击目标，是融商业银行和投资银行业务于一身的 全能 银行模式。