【正文】 s Day. More and more young Chinese people begin to celebrate this day in a very similar way as that in western countries. Fewer people than ever will gaze at the heavens on Saturday to pick out the two stars shining bright on either side of the Milky Way, that is, if people even know on which day Qixi falls. There are ready reminders dotted about, in the form of big ads saying Sales on Chinese Valentine39。 Festival. In this day, girls will throw a sewing needle into a bowl full of water on the night of Qixi as a test of embroidery skills. If the needle floats on top of the water instead of sinking, it proves the girl is a skilled embroiders. Single women also pray for finding a good husband in the future. And the newly married women pray to bee pregnant quickly. Tradition transformed The love story of Niulang and Zhinu, and the Qixi Festival have been handed down for generations. Yet these ancient traditions and customs are slowly dying out. Many modern Chinese, particularly youngsters, seem to know more about St Valentine39。s time for the wild fruits to ripe. The picturesque Arxan in Autumn is indeed a fairyland only exists in a dream that satisfies all your fantasies. If it rains heavily on Saturday night, some elderly Chinese will say it is because Zhinu, or the Weaving Maid, is crying on the day she met her husband Niulang, or the Cowherd, on the Milky Way. Most Chinese remember being told this romantic tragedy when they were children on Qixi, or the Seventh Night Festival, which falls on the seventh day of the s eventh lunar month, which is usually in early August. This year it falls on Saturday, August 2. Folklore Story As the story goes, once there was a cowherd, Niulang, who lived with his elder brother and sisterinlaw. But she disliked and abused him, and the boy was forced to leave home with only an old cow for pany. The cow, however, was a former god who had violated imperial rules and was sent to earth in bovine form. One day the cow led Niulang to a lake where fairies took a bath on earth. Among them was Zhinu, the most beautiful fairy and a skilled seamstress. The two fell in love at first sight and were soon married. They had a son and daughter and their happy life was held up as an example for hundreds of years in China. Yet in the eyes of the Jade Emperor, the Supreme Deity in Taoism, marriage between a mortal and fairy was strictly forbidden. He ordered the heaven troop to catch Zhinu back. Niulang grew desperate when he discovered Zhinu had been taken back to heaven. Driven by Niulang39。 ll wait in the line for one hour to get a ticket, and another two hours at the site, to only see a tiny bit of the place due to the crowds. Last year, 428 million tourists traveled in China over the weeklong holiday in October. Traveling during this period is a matter that needs thorough preparation. If you are short on time to plan the uping Golden Week it may not be a bad idea to avoid some of the most crowded places for now. There is always a place so fascinating that everyone yearns for. Arxan is a place like this. The beauty of Arxan is everlasting regardless of the changing of four seasons. Bestowed by nature, its spectacular seasonal landscape and mountains are just beyond word. Arxan is a crucial destination for the remended travelling route, China Inner Mongolia Arxan — Hailar — Manzhouli. It is also the joint of the four prairies across the SinoMongolian border, where people gravitate towards the exotic atmosphere mixed with Chinese, Russian, and Mongolia elements. As a historic site for the Yitian Battle, Arxan still embodies the spirit of Genghis Khan. Walking into Arxan, you will be amazed by a kaleidoscope of geous colors all the year round the Spring azaleas blooming red in the snow, the Summer sea wavering blue in the breeze, the Autumn leaves painted in yellow covering volcanic traces, and the Winter woods shining white on the vast alpine snowscape. Hinggan League Arxan city is situated in the far eastern area of Inner Mongolia Autonomous Region. Its full name Haren Arxan means hot holy water in the Mongolian language. Arxan is a tourism city in the northern frontier with a blend of large forest, grand prairies, vast snowfield, heaven lake cluster, thermium, as well as volcanic cluster. It is a rare and unique ecotourism base filled with healthy sunshine, clean air and unspoiled green. Nestled close to the country39。歸納一下，我國的劣勢主要體現(xiàn)在：一是金融體系的對外開放程度不高；一是金融的基礎(chǔ)條件比較薄弱。 (2) 中國金融體系競爭力的劣勢項(xiàng)目分析。利率是資本市場中最為敏感的部分，我國由于未完全市場化，也成為優(yōu)勢項(xiàng)目。 與其他國家或地區(qū)相比，中國國際競爭力的優(yōu)勢項(xiàng)目并不多，而且排名也不太靠前。發(fā)展中國家，由于受到東南亞金融危機(jī)的沖擊和波及影響，金融體系的國際競爭力下降 較大 。新興工業(yè)化國家或地區(qū)金融體系的國際競爭力 。通過分析以直接融資金 融模式代表的美國和以間接融資模式代表的日本的國際排名，可以看出在現(xiàn)階段，美國的金融模式比日本的金融模式更具有優(yōu)勢。 4金融體系基本數(shù)量關(guān)系分析： 通過計(jì)算金融體系的競爭力與它的四個要素之間的偏相關(guān)系數(shù)，表明金融體系的競爭力與資本市場效率競爭力關(guān)系最為密切，與銀行部門效率競爭力關(guān)系其次，與股市活力競爭力關(guān)系排在第三，與資本成本競爭力關(guān)系最為疏遠(yuǎn)，說明在評價金融體系的 國際競爭力中，金融效率始終在第一位。金融體系競爭力指標(biāo)由資本成本的大小、資本市場效率的高低、股票市場活力和銀行部門效率 4 類要素共 27 項(xiàng)指標(biāo)組成。 基于該思想，在衡量國家或地區(qū)之間金融體系的競爭力以及這種競爭力在國家和地區(qū)國際競爭力的地位的時候，著重圍繞金融與經(jīng)濟(jì)增長的關(guān)系。金融體系的競爭力強(qiáng)弱取決于這兩個市場的運(yùn)行狀況。交易發(fā)生時時點(diǎn)上的市場價格是資金流量核算選擇的估價標(biāo)準(zhǔn)。即各機(jī)構(gòu)單位之間的交易必須是在債權(quán)和債務(wù)發(fā)生、轉(zhuǎn)換或取消的同時記錄在各自的賬戶中，遵循權(quán)責(zé)發(fā)生制原則。由于資金流量核算具有廣泛性的特點(diǎn)，它沒有一套專門的、由基本經(jīng)濟(jì)單位直接上報(bào)的數(shù)據(jù)收集系統(tǒng)，只能利用已有的各種統(tǒng)計(jì)體系以及統(tǒng)計(jì)調(diào)查中的數(shù)據(jù)，按照資金流量核算的要求，進(jìn)行加工，滿足資金流量核算的數(shù)據(jù)需要。 （ 3） .機(jī)構(gòu)部門間及整體與國外之間的平衡，指核算期內(nèi)，各機(jī)構(gòu)部門及國外相互間通過金融交易所發(fā)生的資產(chǎn)數(shù)量等于所發(fā)生的負(fù)債數(shù)量。簡單地說，流量和存量的關(guān)系為：期初存量 +本期流量 =期末存量。 實(shí)際上，要更好地說明社會融資活動、金融結(jié)構(gòu)變動等重要經(jīng)濟(jì)現(xiàn)象，必須將存量數(shù)據(jù)和流量數(shù)據(jù)相互結(jié)合使用。 (1)以增加值為核算起點(diǎn)，核算內(nèi)容包括國民收入的初次分配和再分配、最終消費(fèi)和儲蓄形成、實(shí)物投資以及金融交易； (2)以可支配收入為起點(diǎn)，核算內(nèi)容包括最終消費(fèi)和儲蓄的形成、實(shí)物投資以及金融交 易； (3)以凈金融投資為起點(diǎn)，核算內(nèi)容僅含金融交易。大部分金融交易形成了金融資產(chǎn)和負(fù)債，但也有部分交易只形成資產(chǎn)卻沒有對應(yīng)的負(fù)債。 3 資金流量表 主要由兩方面組成： 金融交易和機(jī)構(gòu)部門。 其中主要的預(yù)測方法有：銀行管理模擬模型、市場調(diào)查與問卷分析、時間序列計(jì)量方法、橫截面計(jì)量方法等。商業(yè)銀行風(fēng)險識別有兩種方法：財(cái)務(wù)報(bào)表分析法和環(huán)境風(fēng)險分析法。 3衡量流動性風(fēng)險的主要指標(biāo)有： 流動性缺口，核心存款與總資產(chǎn)的比率，貸款總額與總資產(chǎn)的比率，貸款總額與核心資產(chǎn)的比率，流動資產(chǎn)與總資產(chǎn)的比率等。 3商業(yè)銀行信貸風(fēng)險主要是指銀行貸出去款項(xiàng)， 借款人到期不能償還而形成的