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等。 (3)雇員生產(chǎn)率水平。 (4)擴展手續(xù)費收人。 (6)存款和貸款業(yè)務(wù)的增長。 現(xiàn)在人民銀行要求商業(yè)銀行利 用國際上通用的五級分類法對貸款質(zhì)量進行評估。五級分類法按照貸款質(zhì)量的高低依次將貸款分為正常、關(guān)注、次級、可疑和損失。貸款五級分類法有助于商業(yè)銀行更系統(tǒng)、全面的評價把握貸款質(zhì)量,其優(yōu)點是使用多維的標準評價貸款質(zhì)量,比一逾兩呆的方法,方法上更為全面;評價的結(jié)構(gòu)和過程更有利于進行貸款管理;更符合審 慎會計原則等。從余額上看與農(nóng)業(yè)銀行的差距很小,收到農(nóng)行的較大挑戰(zhàn)。但這是由于工商銀行的份額大幅下降所致。 從發(fā)展速度上看,本行存款增長率低于中行和農(nóng)行,僅大于工行。 +3*119/ 179。 )/850= 年 同理可以計算其他資產(chǎn)和負債的有效持續(xù)期如下表所示 資產(chǎn)的平均有效持續(xù)期是:( 850/1200) *+( 300/1200) *= 年 負債的平均有效持續(xù)期是:( 650/1104) *1+( 454/1104) *= 年 有效持續(xù)期缺口是 = 年 該銀行的有效持續(xù)期缺口為正,當市場利率下降時,資產(chǎn)負債的價值都會增加,但資產(chǎn)的增幅更大,所以銀行的市場價值會增加,反之,如果市場利率上升,則該銀行的市場價值會下降。s 10 mustsee animations】 The Chinese animation industry has seen considerable growth in the last several years. It went through a golden age in the late 1970s and 1980s when successively brilliant animation work was produced. Here are 10 mustsee classics from China39。s recall these colorful images that brought the country great joy. Calabash Brothers Calabash Brothers (Chinese: 葫蘆娃 ) is a Chinese animation TV series produced by Shanghai Animation Film Studio. In the 1980s the series was one of the most popular animations in China. It was released at a point when the Chinese animation industry was in a relatively downed state pared to the rest of the international munity. Still, the series was translated into 7 different languages. The episodes were produced with a vast amount of papercut animations. Black Cat Detective Black Cat Detective (Chinese: 黑貓警長 ) is a Chinese animation television series produced by the Shanghai Animation Film Studio. It is sometimes known as Mr. Black. The series was originally aired from 1984 to 1987. In June 2021, a rebroadcasting of the original series was announced. Critics bemoan the series39。s education. Proponents of the show claim that it is merely for entertainment. Effendi Effendi, meaning sir and teacher in Turkish, is the respectful name for people who own wisdom and knowledge. The hero39。t want to steal food like other mice. Shuke became a pilot and Beita became a tank driver, and the pair met accidentally and became good friends. Then they befriended a boy named Pipilu. With the help of PiPilu, they cofounded an airline named Shuke Beita Airlines to help other animals. Although there are only 13 episodes in this series, the content is very pact and attractive. The animation shows the preciousness of friendship and how people should be brave when facing difficulties. Even adults recalling this animation today can still feel touched by some scenes. Secrets of the Heavenly Book Secrets of the Heavenly Book, (Chinese: 天書奇談 ) also referred to as Legend of the Sealed Book or Tales about the Heavenly Book, was released in 1983. The film was produced with rigorous dubbing and fluid bination of music and vivid animations. The story is based on the classic literature Ping Yao Zhuan, meaning The Suppression of the Demons by Feng Menglong. Yuangong, the deacon, opened the shrine and exposed the holy book to the human world. He carved the book39。s law. In order to pass this holy book to human beings, he would have to get by the antagonist fox. The whole animation is characterized by charming Chinese painting, including pavilions, ancient architecture, rippling streams and crowded markets, which fully demonstrate the unique beauty of China39。s feud with Nezha over his son39。s trip to the West to take the Buddhistic sutra. They met a white bone evil, and the evil transformed human appearances three times to seduce the monk. Twice Monkey King recognized it and brought it down. The monk was unable to recognize the monster and expelled Sun Wukong. Xuan Zang was then captured by the monster. Fortunately Bajie, another apprentice of Xuan Zang, escaped and persuaded the Monkey King to e rescue the monk. Finally, Sun kills the evil and saves Xuan Zang. The outstanding animation has received a variety of awards, including the 6th Hundred Flowers Festival Award and the Chicago International Children