liability n. 1.责任,义务。 2.〔pl.〕 负债,债务 (opp. assets). 3.倾向;易于…的倾向[性质]。 4.不利条件。 hold no liability for damages 不负赔偿责任。 limited [unlimited] liability 有限[无限]责任。 liability for military service 有服兵役义务。 assets and liabilities 资产与负债。 meet one's liabilities 偿还债务。 liability to disease 弱不禁风。 liability to error 容易犯错误。 Poor handwriting is a liability in getting a job. 拙劣的书法是求职的不利条件。
signal n. 1.信号,暗号;信号器。 2.动机,导火线 (for)。 3.预兆,征象。 call signal 【无线电】呼号。 an alarm signal 警报(器)。 an information signal 〔美国〕暴风警报(旗)。 an international code of signals 国际通用信号。 a signal of distress =a distress signal 船只失事信号。 adj. 1.暗号的,作信号用的。 2.显著的,非常的,优越的。 a signal victory [defeat] 大胜[败]。 vt.,vi. (〔英国〕 -ll-) 发信号[警报]给(人、船等);用信号[警报]通知(暴风、危险等);用动作[手势]示意;预示。 a signaling bomb 信号弹。
Expounds the five main aspect of risk in national commercial bank , i . e . . signal liability structure , bad loan quality , low capital efficiency , imperfect restriction on interior power , thin consciousness on risk avoidance ; summarizes five characters of the bank risks , including risk concentration , moral risk , risks caused by system structure , inequi ty between bank risks and revenues , aggrandizement trend of bank risks ; analysis eight reasons for bank risks , including proprietary ownership voidance , macroeconomic fluctuation , ineffective capita ] buffer mechanism , enterprise reasons . no synchronous fiscal investment and financial reform , incompetence law and regulation enforcement . chapter4 argues the opportunities and challenges of the financial globalization and requirement for bank risk managem ent . chapters suggests the methods for the risk management of national commercial bank 紧接着在第三章阐述了我国国有商业银行风险的“五大表现” ,即负债结构单一、信贷资产质量差、资本充足率低、内部控制机制薄弱、防范风险的意识淡薄;总结了我国国有商业银行风险的“五大特点” ,即风险高度集中、风险人为匿藏、风险的体制性、风险与收益严重不对称、风险呈继续扩大态势;剖析了我国国有商业银行风险形成的“八大因素” ,即金融产权“人格”虚设、宏观经济波动、资本金等缓冲机制不健全、财政、投资和金融的体制改革不配套、法律和法规不健全等。