1.

94 ;1995 3 18
2003 12 27
2. 84 1995 3 18 2003 12
2003 4
3. 87 04 05
4. 05 95
5.01 03
07 06 12 31 07 3 20

6.06 4 26 ----;05.11.28
07.01.24

7.06 12 11
----
8.07 1

9.98
11.06 05
07
12. 87 04 05
2007 4
13. 07 4 5

14.06 9 99
90
15. 84 90

16.2004 10 29
2004 10 29
17.. 2005 9 21
18.2006 10 31 2007 1 1 2006 11
2007 3 1

19.2003 12 27 2004 2 1
20.2006 8 27 2007 6 1
21. 1995
22. 2007 3 2007 10 1
23. 2007 2 9
24.1997 6

25. 2006 2007 1 1

26. 2006 1 1
27. 2005 9 21
28.1979
29.2004
30. 2004 8 28
1 1
2 100%
50%
2.3 020%50%100% 10% 70%

4 16
5 9 3

1
6 80
2

 80%70%50% 5 3 10
8
7 3
8 365 91
9 2
10 3 6 12
11 20% 6,000
10%
10%
12
8%
4% 100%
50% 020%50%100% 10% 70%
13
2
14 20 1
; 200 20 ;
50 10 1
15 75
16 50 3 500
17 30 3
9
18

19 1
20 8%
21 5

22/ 25%

23 2
24 3
25 30

=+***/=+/
ROE= ROA=/; EM
;ROE=ROA*EM
19 Shibor
LIBOR ; PBC CBRC;
ICBC; BOC BOCOM; ABC; CCB CSRC CIRC
3.
--- ---
---

4.

9.:::
11.

12.
15.

16.
17.
18
4

20.
21.
23.
----
24.