뗚3뻭뗚3웚맣훝듳톧톧놨(짧믡뿆톧냦)쓪3퓂JournalofGuangzhouUniversity(SocialScienceEdition)냄듳샻퇇솪냮틸탐막럝훆룄퓬뗄웴쪾쿄쏷믡1,쇵듳캪2(1.맣훝듳톧뺭볃폫맜샭톧풺,맣뚫ꆡ맣훝ꆡ510091;2.맺볒뾪랢틸탐,놱뺩ꆡ100037)ꆡꆡ햪ꆡ튪:춨맽뛔냄듳샻퇇맺폐틸탐CBA막럝훆룄퓬낸샽뗄럖컶,캪컒맺맺폐뛀틸탐막럝훆짏쫐룄퓬쳡돶쇋뻟쳥붨틩:캪ퟮ폐킧뗘쪵쿖컒맺맺폐뛀틸탐뗄룄퓬,헾뢮펦틀램쏷좷헾뢮폫틸탐횮볤뗄좨샻튵컱맘쾵,캪맺폐뛀틸탐뺭펪뒴퓬솼뫃뗄췢늿뮷뺳;맺폐뛀틸탐뗄룄퓬늻뷶뷶캪쇋헢킩틸탐놾짭,룼훘튪뗄쫇쪹컒맺틸탐튵헻쳥뇤뗃룼잿ힳꆢ룼컈붡ꆣ헾뢮펦볓잿뷰죚솢램,캬뮤맺볒틸탐쳥쾵낲좫;짨솢쏅뗄뒢탮틸탐,놣뮤뒢뮧뗄샻틦ꆣꆡꆡ맘볼듊:맺폐틸탐;냄듳샻퇇솪냮틸탐;막럝훆룄퓬ꆡꆡ훐춼럖샠뫅:ꆡꆡꆡ컄쿗뇪쪶싫:Aꆡꆡꆡ컄헂뇠뫅:1671-394X(2004)03-0054-06ꆡꆡ2002쓪1퓂22죕훐맺죋쏱틸탐뢱탐뎤컢쿾쇩뗄돉솢:냄듳샻퇇솪냮헾뢮좫펵폐,쪵퓚훐맺볓죫WTO놨룦믡짏춸슶,ퟷ캪펦뛔죫쫀쳴햽탐탐뎤뢺퓰훆뗄듫쪩횮튻,훐맺죋쏱틸탐붫럖죽듳늽뷸탐맺폐뛀19쫀볍90쓪듺뗄뷰죚캣믺쫇냄듳샻퇇틸탐쳥짌튵틸탐뗄룄룯,벴맺폐뛀짌튵틸탐뗄룄룯붫럖죽쾵퓢쫜ퟮ퇏훘뗄튻듎헰떴ꆣ캪펦뛔듋듎캣믺,냄듳룶뷗뛎:쫗쿈쫇내맺폐뛀릫쮾뗄탎쪽뛔웤뷸탐룄샻퇇헾뢮늢쎻폐닉좡춨맽뛔쮽죋틸탐쪵탐횱뷓맜훆퓬;웤듎톡퓱폐쳵볾뗄맺폐뛀짌튵틸탐뷸탐맺볒뿘살컈뚨뷰죚쳥쾵,뛸쫇돉솢평헾뢮횱뷓뿘훆뗄튻볒막,맺쓚웳튵ꆢ뻓쏱뫍췢맺놾뗄닎막쫔뗣;ퟮ뫳퓙쪹틸탐춬쮽죋틸탐뺺헹살컈뚨뷰죚쳥쾵,춬쪱캪맣듳럻뫏쳵볾뗄맺볒뿘막뗄짌튵틸탐릫뾪짏쫐ꆣ뒢뮧쳡릩튻룶뒢탮뷰뗄낲좫뗘듸ꆣ1911쓪냄듳떫쫇,죧뫎뛔컒맺맺폐틸탐뷸탐막럝훆룄퓬뻍샻퇇솪냮틩믡춨맽램낸(틔쿂볲돆CBA램낸)짨솢쫇튻룶뻟쳥뗄쪵볹컊쳢ꆣ평폚컒맺맺폐짌튵틸탐놾CBAꆣ쯼뿉틔춬쪱듓쫂뒢탮틸탐ꆢ짌튵틸탐튵컱,쟒짭퓋ퟷ샺쪷늻뎤,뛸훃짭웤훐뗄췢늿뮷뺳폖톸쯙랢뒢뮧듦뿮평솪냮헾뢮떣놣ꆣCBA평냄듳샻퇇솪냮헾짺뇤뮯,틲듋뷨본튻룶폐뫜뎤샺쪷뫍돉릦뗄췢맺맺뢮좫펵폐(평닆헾늿쇬떼)ꆣCBA램낸쏷좷맦뚨폐틸탐룄퓬뗄뺭퇩뻍쿔뗃쪮럖뇘튪ꆣ놾컄춨맽뛔냄ꆰCBA평탐뎤(Governorofthebank)맜샭ꆱ(벴탐뎤뢺듳샻퇇맺폐틸탐ꆪꆪꆪ냄듳샻퇇솪냮틸탐(Common2퓰훆)ꆣ헾뢮뫍틩믡뛔탐뎤좨솦뗄훷튪쿞훆쫇,튪쟳wealthBankofAustralia,틔쿂볲돆CBA)막럝훆룄퓬CBA쿲헾뢮뫍틩믡쳡릩튻뚨뗄틸탐탅쾢ꆣ램낸튪쟳낸샽럖컶,쫔춼헒돶뛔컒맺맺폐틸탐막럝훆룄퓬폐CBA쎿냫쓪평솪냮짳볆뻖짳볆튻듎,짳볆뷡맻쿲닆틦뗄웴쪾ꆣ헾늿뎤놨룦ꆣ탐뎤쎿쓪쿲닆헾늿뎤뫍틩믡쳡붻튻듎틸탐뗄닺뢺햮뇭ꆣ웤쯻튪놨룦뗄쓚죝냼삨퓚몣췢튻ꆢꆡCBA뗄샺쪷뫍쿖ힴ볲뷩짨솢럖탐ꆢ틸탐맍펶싉쪦ꆢ폐맘풱릤럖샠맜샭뗄맦헂ꆢ틸탐뗄튻냣펪퓋ꆢ퇸샏뷰믹뷰뗄짨솢뗈ꆣCBA퓚(튻)CBA막ꆡ럝훆룄퓬잰뗄룅뿶(1991쓪잰)돉솢횮돵뻍놻죏뚨쫇튻룶펮샻뗄웳튵,뎬맽캬돖컈ꆡꆡ쫕룥죕웚:2003-12-28ꆡꆡퟷ헟볲뷩:쿄쏷믡(1965-),쓐,낲믕슮붭죋,맣훝듳톧뺭볃폫맜샭톧풺뢱뷌쫚,쮶쪿,듓쫂뷰죚쫐뎡퇐뺿ꆣ
뗚3웚쿄쏷믡뗈:냄듳샻퇇솪냮틸탐막럝훆룄퓬뗄웴쪾ꆤ5ꆡ5ꆡꆤꆡ뚨랢햹뗄뛠폠샻죳뚼붫ퟷ캪헾뢮뗄닆헾쫕죫ꆣCBA쿖폐12캻뚭쫂,웤훐튻쏻캪횴탐뚭쫂(볦죎쫗2.틸탐맜샭쒣쪽뗄뇤뮯:쪵탐뚭쫂믡뢺퓰훆쾯횴탐맙),웤쯼뚼쫇뛀솢뚭쫂ꆣ뚭쫂믡폫맜샭닣1924쓪솪냮헾뢮춨맽CBA램낸탞헽낸,냑평탐(횴탐맙)럖샫ꆣ뎤뢺퓰훆룄캪평뚭쫂믡뢺퓰훆ꆣ램낸튪쟳CBA평뚭쫂믡맜샭,뚭쫂믡냼삨탐뎤ꆢ닆헾늿뗄듺뇭뫍6캻뛾ꆢꆡCBA막럝훆룄퓬웤쯻뚭쫂ꆣ웤쯻뚭쫂뇘탫쫇폐얩튵ꆢ짌튵ꆢ뷰죚믲릤튵짮뿌놳뺰뗄죋쪿ꆣCBA탂뗄맜샭볜릹뗄랽쿲탔쫇(튻)CBA막럝훆룄퓬뫍뗚튻듎짏쫐(뗚튻듎돶럇뎣쏷좷뗄,볈튻볒좫맺탔뗄헾뢮펵폐뗄틸탐펦룃쫛)뗄맽돌뫍듫쪩(1991쓪)쫇랴펳좫맺룷늿쏅탐튵뗄샻틦ꆣ1.헐막짏쫐뗄쒿뗄3.릫쮾훆1990쓪12퓂CBA쫕릺캬뛠샻퇇훝솢틸탐1959쓪춨맽솢램돉솢냄듳샻퇇뒢놸틸탐(RBA,SBVꆣ룹뻝냄듳샻퇇훐퇫틸탐뗄맦뚨,CBA탨튪돤냄듳샻퇇훐퇫틸탐),냑CBA뗄훐퇫틸탐횰쓜럖샫쪵틸탐놾뷰ꆣ캪듋,냄듳샻퇇솪냮헾뢮뻶뚨붫돶좥ꆣ평CBA뗄짌튵틸탐튵컱(CTB)ꆢ뒢탮틸탐튵CBA뷸탐막럝훆룄퓬ꆣ냄듳샻퇇틩믡춨맽CBA막컱(CSB)뫍솪냮헾뢮탂돉솢뗄냄듳샻퇇솪냮랢햹틸럝훆룄퓬램낸,춬틢헾뢮붫맺폐틸탐CBA막럝뮯ꆣ탐(CommonwealthDevelopmentBankofAustralia,놾듎짏쫐돯뗄쒿뗄훷튪쫇캪쇋퓶볓놾뷰,춬쪱CDB),릲춬돉솢냄듳샻퇇솪냮틸탐릫쮾(Common2캪CBA뗄뷸튻늽랢햹뗬뚨믹뒡ꆣwealthBankingCorporation,CBC)ꆣ2.막욱뗄랢탐ꆡꆡ4.뛠풪뮯튵컱뗄랢햹놾듎릲쿲냄듳샻퇇릫훚랢탐23913냙췲막웕춨20쫀볍70쓪듺,뗧ퟓ볆쯣믺뷸죫틸탐럾컱튵ꆣ막,쎿막쏦횵2냄풪,쎿막랢탐볛514냄풪,헐막뫳CBA춨맽짨솢뢽쫴ퟓ릫쮾뗄랽쪽틔잰쯹캴폐뗄쯙뛈쎿막뺻닺캪5186냄풪ꆣ룹뻝풱릤돖막볆뮮,9냙뷸탐뛠풪뮯뺭펪,죧뷸죫볒춥놣쿕튵컱ꆢ싃탐짧튵췲막쿲CBA풱릤랢쫛ꆣ냄듳샻퇇솪냮헾뢮돖막컱ꆢ췢믣쫐뎡튵컱뫍몣췢튵컱뗈,CBA뮹돉솢쇋ퟔ벺58615냙췲막,햼ퟜ막럝뗄70125%ꆣ퓚놾듎랢탐뗄뷰죚릫쮾(CommonwealthBankFinanceCorporation훐,23913냙췲막쫇닉폃냼쿺뗄랽쪽쿲릫훚랢탐;9Ltd,CBFC)ꆣ20쫀볍80쓪듺틸탐튵맜훆뾪쪼럅쯉,냙췲막틔쎿막4186냄풪뛔CBA풱릤랢탐,늻닉폃냼췢틸탐뾪쪼뷸죫냄듳샻퇇틸탐튵쫐뎡ꆣ캪듋,쿺랽쪽ꆣ퓚럖엤막욱쪱,틸탐뗄뿍뮧뫍틸탐뗄풱릤CBA뷸탐쇋쿔훸뗄쓚늿튵컱훘ퟩ,폃뾪랢룼뛠뗄뷰폐쿠뛔뗄폅쿈좨ꆣ뛔놾듎막욱랢탐,췢맺죋늻쓜릺죚탂닺욷살싺ퟣ뿍뮧뗄탨쟳ꆣ틸탐뾨ꆢ탅폃뾨ꆢATM싲ꆣ룶죋릺싲뗄막좨늻쓜뎬맽ퟜ막럝뗄5%ꆣ믺ꆢPOS믺뗈뗧ퟓ뮯쫖뛎뾪쪼춶죫쪹폃ꆣ듳늿럖럖3.닎폫랢탐뗄떥캻탐튵컱뫍탐헾맜샭튵컱놻볆쯣믺뮯ꆣ1987쓪CBA캪ퟶ뫃놾듎랢탐릤ퟷ,냄듳샻퇇헾뢮쏅돉솢탞헽낸ힼ탭CBA쳡릩놣쿕뫍웤쯼뷰죚럾컱ꆣ룃램믺릹뢺퓰춳돯쿠맘쫂틋ꆣ룃믺릹울쟫닆컱톯릫낸튪쟳CBA뚭쫂믡쎿쓪뗝붻릫쮾뗄볆뮮쫩룸솪냮쮾ꆢ램싉톯ꆢ쫐뎡퇐뺿ꆢ릫릲맘쾵뗈믺릹살짨볆랢헾뢮닆헾늿뎤,춬쪱죎쏼CBA뚭쫂믡캪닆헾늿뎤뗄탐뗄막욱쫽솿ꆢ볛룱ꆢ랢탐랽쪽뫍쿠펦뗄닟싔ꆣ춬톯헟,뻶뚨CBA쿲헾뢮짏뷉샻죳뗄뇈샽ꆣ쪱,폃돤ퟣ뗄쪱볤(붫뷼1쓪)캪놾듎랢탐뷸탐탻뒫,헢캪놾듎막욱뗄돉릦랢탐쳡릩쇋뿉뾿뗄놣횤ꆣ(뛾)CBA뗄쿖ힴ4.짏쫐뫳틸탐폫헾뢮뗄맘쾵CBA쫇냄듳샻퇇쯄듳틸탐뷰죚벯췅횮튻,쳡릩퓚틸탐뗄헂돌훐,샻폃쳘뇰쳵뿮쏷좷쇋헾뢮뛔틸탐ꆢ믹뷰맜샭ꆢ퇸샏뷰ꆢ놣쿕춶뫍뺭볍럾컱뗈뷰틸탐뗄쳘뇰좨샻ꆣ닆헾늿뎤듺뇭헾뢮캯엉1쏻듺뇭죚럾컱튵컱ꆣ2002쓪뗗,CBA뗄닺캪2476틚냄뷸죫CBA뚭쫂믡,CBA횴탐뚭쫂튪폫닆헾늿뗄듺뇭풪,2001ꆫ2002쓪뛈뗄샻죳캪2615틚냄풪,맜샭믹붨솢솼뫃뗄릵춨쟾뗀ꆣ퓚헾뢮펵폐뗄막럝뎬맽뷰닺캪1030틚,쫇냄듳샻퇇ퟮ듳뗄믹뷰맜샭죋ꆣ50%뗄잰쳡쿂,헾뢮뛔CBA뚭쫂믡훆뚨뗄헾닟ꆢ쒿CBA퓚냄듳샻퇇듳풼폐1000룶럖횧믺릹ꆢ30000뛠뇪쿭폐쳘뇰뗄좨샻ꆣ룹뻝CBA폫냄듳샻퇇솪냮헾쏻좫횰풱릤ꆢ3950룶ATM믺ꆢ126000룶POS믺ꆣ뢮횮볤뗄킭틩,CBA뚭쫂믡쎿쓪쿲닆헾늿뎤뗝붻
ꆡꆤꆡ56ꆤ맣훝듳톧톧놨(짧믡뿆톧냦)2004쓪뗚3뻭CBA뗄뺭펪볆뮮쫩ꆣ뚭쫂믡퓚쿲막뚫듳믡췆볶쓪뛈뚨ퟮ훕뗄쎿막쫛볛,횧뢶쪱볤캪1997쓪11퓂14죕ꆣ막샻럖엤랽낸잰,펦쫂쿈춨횪닆헾늿ꆣ닆헾늿폐좨쎿막쫛볛튪퓚믺릹춶헟뺺춶뷡쫸ꆢ냄듳샻퇇헾뢮뻶뚨쫇럱뷓쫜룃랽낸,춬쪱,쓪뛈막샻뗄럖엤늻뗃뎬퓚춬놾듎랢탐뺭샭죋쳖싛뫳ퟮ훕좷뚨ꆣ냄듳샻퇇헾맽떱쓪뿉릩럖엤샻죳뗄45%ꆣCBA뗄뚭쫂뎤ꆢ뢱뚭뢮퓚좷뚨ퟮ훕쫛볛쪱붫틀헕틔쿂죽뗣:죏릺뗄쟩뿶ꆢ쫂뎤ꆢ횴탐뚭쫂(볦CEO)ꆢ뢱횴탐뚭쫂뗄죎쏼뚼쫂잰헾뢮좡뗃ퟮ듳쫕죫뫍튻룶컈뚨폐탲뗄뫳쫐ꆣ막볛탻튪톯닆헾늿뎤ꆣ퓚훂CBA뚭쫂믡뗄탅훐,닆헾늿늼쪱볤캪1996쓪7퓂13죕ꆣ놾듎랢쫛헫뛔맺쓚췢뎤듺뇭헾뢮횣훘돐억:CBA뚭쫂믡튪뗝붻릫쮾뗄볆춶헟ꆣ짪릺막욱뗄뷘횹쪱볤캪1996쓪7퓂5죕ꆣ뮮뫍훷튪뗄닟싔룸헾뢮,헾뢮늻닎폫CBA뗄죕뎣짌냄듳샻퇇헾뢮놣쇴퓚헽쪽뷓쫜릺싲짪쟫잰뗄죎뫎쪱튵뺭펪믮뚯,CBA뗄뢺햮붫평솪냮헾뢮떣놣ꆣ뫲좡쿻믲탞룄놾듎돶쫛뗄좨샻ꆣ죧좡쿻놾듎돶쫛막5.릫쮾훎샭럝,헾뢮붫략믘짪쟫죋뗄뿮쿮늢횧뢶샻쾢ꆣ헾뢮놣CBA뚭쫂믡평뚭쫂뎤(뻟폐릤돌ꆢ뷰죚ꆢ헾뢮릤쇴뻜뻸뷓쫜죎뫎튻룶짪쟫뗄좨샻,헾뢮폐좨럖엉뗍ퟷ뗄뺭퇩)ꆢ뢱뚭쫂뎤(뻟폐뷰죚ꆢ뿳튵뗄뺭퇩)ꆢ2캻폚짪쟫죋죏릺뗄막럝ꆣ횴탐뚭쫂(뻟폐틸탐튵뗄뺭퇩)ꆢ닆헾늿듺뇭뫍6캻21럖웚뢶뿮쫕뻝(Instalmentreceipt,IP)웤쯻뚭쫂(럖뇰뻟폐짌튵웳튵ꆢ쪯폍쳬좻웸튵ꆢ쎳틗캪쇋쪵쿖막욱뗄럖웚뢶뿮쿺쫛,뛔쯹폐돉릦뗄릤믡ꆢ틸탐ꆢ뷌폽ꆢ헾뢮ꆢ믡볆ꆢ퇲쎫ꆢ릤튵뫍퓋쫤ꆢ훆짪쟫헟(짪쟫죋틑횧뢶뗚튻웚뿮쿮,벴쎿막6냄풪)퓬튵뗈랽쏦뗄릤ퟷ뺭퇩)ퟩ돉ꆣCBA룟벶맜샭닣평엤랢럖웚뢶뿮쫕뻝IP,ퟷ캪쿭폐막뚫좨틦뗄횤쏷ꆣ쫗쾯횴탐맙뫍6캻늿쏅횴탐맙ퟩ돉,틸탐맜샭닣폫퓚IP돖폐헟뢶쟥ퟮ뫳뗄볛뿮뫳,뿉틔뗇볇캪CBA뗄뚭쫂믡믹놾짏쫇럖샫뗄ꆣCBA뗄횴탐맙뫍뺭샭죋풱헽쪽막뚫ꆣIP붫뿉틔퓚냄듳샻퇇횤좯붻틗쯹짏쫐뗄놨돪내냄듳샻퇇뷰죚튵쓚뻟폐뺺헹솦뗄뇪ힼ횧붻틗,떫쫇쫜죃죋뇘탫놣횤횧뢶막욱뗄ퟮ뫳볛뿮ꆣ뢶ꆣ뛸튻냣풱릤뗄놨돪퓲룹뻝릤ퟷ룚캻뗄탔훊뫍튵IP뗄돖폐죋늻쓜짨솢죎뫎헏낭폚뛔펦뗄막욱믲IP벨뇭쿖살뻶뚨ꆣ죧맻릫쮾뗄튵벨뎬맽풤웚뗄쮮욽,짏(샽죧늻쓜쓃IPퟷ캪뗖톺욷)ꆣIP짏쫐붻틗뗄쪱풱릤뿉틔닎폫뎬돶늿럖뗄샻죳럖엤ꆣ볤캪1996쓪7퓂15죕ꆣ믘릺킭틩(뛾)냄듳샻퇇헾뢮뗚죽듎돶쫛CBA막럝(1996캪쇋복쟡놾듎막럝돶쫛뛔막욱쫐뎡닺짺뗄잱퓚쓪)펰쿬,1996쓪4퓂CBA폫헾뢮듯돉쇋튻럝막럝믘릺1993쓪냄듳샻퇇헾뢮뗚뛾듎돶쫛뷼20%CBA킭틩ꆣ킭틩맦뚨,CBA붫틔헾뢮놾듎돶쫛쯹뗃뗄욽뗄막럝ꆣ놾듎돶쫛헾뢮쯹돖폐뗄쪣쿂뗄CBA막럝,뻹볛룱,떫ퟮ룟늻뎬맽쎿막1017냄풪믘릺100냙췲쯹뗃뿮쿮뻹ퟷ캪솪냮헾뢮쫕죫ꆣ1995쓪11퓂27죕막,쳵볾쫇죧맻놾듎뛔릫훚뗄막럝돶쫛늻쓜퓚1996CBA쿺쫛램낸믱뗃냄듳샻퇇틩믡춨맽ꆣ룃램낸뗄훷쓪7퓂31죕잰췪돉,쓇쎴믘릺킭틩붫ퟔ뚯훕횹ꆣ쇭튪쓚죝쫇:(1)탞헽1959쓪CBA램낸,틔뇣죃헾뢮돶췢,돽믘릺쯹뗃췢,죧맻헾뢮듓놾듎돶쫛막럝뗄쯹뗃쫛돖폐CBA폠쿂50%막럝ꆣ(2)CBA벯췅폫웤쯻쮽뗍폚20틚냄풪,CBA폐좨쳡잰훕횹믘릺킭틩,CBA죋릫쮾튻퇹쫜틸탐램뫍릫쮾램뗄풼쫸ꆣ(3)떱헾뢮쫕믘뗄막럝붫놻틀램좡쿻ꆣCBA뚭쫂믡죏캪,믘릺돖폐CBA뗄막럝뗍폚50%쪱,헾뢮붫늻퓙뛔CBA막욱뛔막뚫폐쿂쇐죽룶랽쏦뗄뫃뒦:뛔EPS닺짺헽뗄햮컱쳡릩떣놣ꆣ쏦뗄펰쿬;쳡룟막뚫좨틦놨돪싊;쫇샻폃쒿잰틸탐뛠1.쫛막랽쪽폫뚨볛폠놾뗄ퟮ뫃랽램ꆣ룹뻝CBA울쟫뗄뛀솢닆컱맋헾뢮펵폐49911냙췲막,햼CBA막럝뗄5014%ꆣ컊KPMG뗄풤볆,퓚믘릺볛룱캪쎿막1017냄풪뗄믹CBA막뚫듳믡춬틢CBA붫듓헾뢮쫖훐믘릺100냙뒡짏,놾듎믘릺붫쪹EPS짏짽6%,벴듓16%퓶볓떽췲막,폠쿂39911냙췲막붫쿲릫훚돶쫛ꆣ룶죋짪쟫18%ꆣ죋ퟮ뗍죏릺뛮캪300막,풱릤짪쟫죋ퟮ뗍죏릺뛮캪4.죏릺쪱볤낲업폫엤쫛볆뮮50막,믺릹춶헟ퟮ뗍죏릺뛮캪20000막ꆣ막욱죏캪쇋폐킧뗘좷뚨막욱뗄ퟮ훕볛룱,놾듎막욱죏릺뿮뿉럖듎횧뢶:뗚튻듎,퓚릺싲짪쟫쪱횧뢶,쎿막릺쪱볤럖솽룶뷗뛎뷸탐:릫훚뫍CBA막뚫죏릺쪱볤6냄풪;뗚뛾듎횧뢶,튪룹뻝믺릹춶헟뗄뺺볛살뻶듓1996쓪6퓂17죕떽7퓂5죕(릲19쳬);믺릹춶
뗚3웚쿄쏷믡뗈:냄듳샻퇇솪냮틸탐막럝훆룄퓬뗄웴쪾ꆤ5ꆡ7ꆡꆤꆡ헟죏릺쪱볤듓1996쓪7퓂9죕떽7퓂12죕(릲4뇭1ꆡCBA룷쿮뇈싊뻹횵닮럖컶(%)쳬)ꆣ본폚뺺춶뗄뺺헹탔,믺릹춶헟붫럖뗃늻뗍폚뇈싊쿮쒿짏쫐뫳짏쫐잰짏쫐뫳훁짏쫐잰140냙췲막(햼놾듎돶쫛뗄35%)ꆣ믺릹춶헟ퟮ뗍놾뷰돤ퟣ싊죏릺20000막,틔10000막뗄놶쫽살퓶볓ꆣ풭막뚫뿉돉놾/쫕죫럖뗃놾듎돶쫛막럝뗄35%ꆣ퓚릫훚죏릺늿럖훐,럑폃/닺풱릤쎿죋뿉폅쿈죏릺300막,ퟜ쫽풼햼3%ꆣ좨틦놨돪싊(ROE)닺놨돪싊(ROA).놾뷰릹돉살ퟔ랢탐막욱뗄막놾놾캪191808틚냄풪럖횧믺릹퓶뎤싊,살ퟔ뎤웚뷨뿮뗄놾뷰캪19139틚냄풪,웤훐뗄15틚풱릤죋쫽퓶뎤싊쫜CBA폫냄듳샻퇇헾뢮잩뚩뗄뫏춬놣헏ꆣ룃뫏춬듴헋ힼ놸뷰/듻뿮춬틢,퓚튻뚨뗄쳵볾뫍뮷뺳쿂,CBA뿉틔쿲헾뢮랢탐춬뗈뷰뛮뗄웕춨막욱ꆣꆡ뇭2ꆡCBA폫뺺헹뛔쫖룷쿮뇈싊뻹횵뇈뷏(%)뇈싊쿮쒿CBA짏쫐잰CBA짏쫐뫳CBA뛔쫖닮CBA뛔쫖닮(죽)CBA막럝훆룄퓬잰뫳튵벨뇈뷏(1986ꆫ놾뷰돤ퟣ싊쓪)돉놾/쫕죫쓪Otchere뫍Chan춨맽뛔CBA막럝훆룄럑폃/닺퓬죽룶늻춬뷗뛎뗄튵벨뇭쿖뫍CBA늿럖믲좫늿짏좨틦놨돪싊(ROE)쫐뛔웤훷튪뺺헹뛔쫖뗄펰쿬럖컶,뷡싛쫇:(1)웤뺺닺놨돪싊(ROA)헹뛔쫖뛔CBA막럝훆룄퓬짏쫐뗄랴펦쫇뢺쏦뗄;뺻샻닮(2)CBA막욱볛룱뇭쿖퓚막럝좫늿짏쫐뫳폐쿔훸쳡럖횧믺릹퓶뎤싊룟;(3)웤룷쿮뺭펪튵벨횸뇪뻹뎬맽뺺헹뛔쫖,훷튪풱릤퓶뎤싊춨맽뛔복짙럖횧믺릹뫍죋풱살쪵쿖;(4)캪쇋ힷ쟳샻ힼ놸뷰/듻뿮죳뫍복뗍돉놾,퓚막럝훆룄퓬짏쫐뗄벸쓪쓚,CBA뗄늻솼닺/듻뿮컊쳢듻뿮튲폐뷏캪쏷쿔뗄짏짽ꆣ뺻늻솼닺/듻뿮캪쇋럖컶퇐뺿,Otchere뫍Chan톡퓱듓1986쓪ꆡꆡ쇏살풴:2003쓪Otchere뫍Chanꆣ힢:냄듳샻퇇틸탐폚훁1999쓪폐맘뺭펪튵벨뫍막욱쫐뎡뇭쿖(CBA뫍웤1992쓪뾪쪼놨룦늻솼닺쫽뻝,쯹틔CBA폫웤뛔쫖듋쿮뇈훷튪뛔쫖)뗄쫽뻝ꆣ틲캪튪듓맺폐틸탐뗄뮷뺳훐ퟟ싊럖컶듓CBA막럝훆짏쫐뫳뾪쪼ꆣ3뇭쪾퓚춳볆틢틥짏쫇돶살쿔훸뗄ꆣ,뫜쓑웚췻막럝훆룄퓬짏쫐뗄맺폐틸탐믡퓚뾪쪼벸쓪퓚뺭볃킧싊뫍샻죳싊짏폐쿔훸뗄룄짆ꆣ떫ꆡꆡ퓚1991쓪CBA뷸탐막럝훆룄퓬짏쫐뗄맽돌훐,쫇,떱탂뗄뺭샭죋쫊펦탂뗄뮷뺳뫳,뿉틔풤웚웳튵뗄냄듳샻퇇헾뢮퓚돤럖뾼싇헾뢮ꆢ틸탐뫍춶헟뗄샻튵벨믡폐쏷쿔뗄짏짽ꆣ럖컶CBA막럝훆짏쫐잰뫳틦뫍떱쪱뗄막욱쫐뎡뗄쪵볊쟩뿶쿂,뻶뚨틔쎿막뗄튵벨,훷튪닉폃쿂쇐횸뇪:놾뷰돤ퟣ싊ꆢ닺훊514냄풪쿲릫훚헐막,쯤좻떱쪱CBA뗄쎿막뺻닺솿ꆢ맜샭킧싊ꆢ펮샻쓜솦뫍맍풱쮮욽ꆣ럖컶뷡맻볻뇭쫇5186냄풪ꆣ헢캪CBA막욱뗄뫳쫐랢햹쳡릩쇋뻞1ꆢ뇭2ꆣ듳뿕볤,ퟮ훕캪헾뢮듸살풼80틚냄풪뗄쫕죫싱쿂쇋럼뇊(퓚1993쓪틔쎿막916냄풪돶쫛20%막럝ꆢ죽ꆢꆡ뛔컒맺맺폐뛀틸탐막럝훆1996쓪틔쎿막10145냄풪돶쫛50%막럝)ꆣ냄듳샻룄퓬짏쫐뗄웴쪾퇇헾뢮럖죽듎릲볆5쓪쪱볤췪돉뛔CBA막럝훆룄퓬뫍좫늿짏쫐,뛔캬뮤헻룶막욱쫐뎡뗄랢햹뫍듙뷸틸탐튵헻쳥잿듳웰쇋믽벫ퟷ폃ꆣ틲캪헢뿉죃막욱쫐ꆡꆡ(튻)맺폐뛀틸탐뗄룄퓬뫍짏쫐늻떥뒿쫇캪쇋뎡ꆢCBA뗄뺺헹뛔쫖폐돤풣뗄쪱볤쿻뮯CBA짏쫐퓬놣좫헢킩틸탐놾짭,룼훘튪뗄쫇쪹컒맺틸탐튵헻쳥돉뗄펰쿬ꆣ뇤뗃룼잿ힳꆢ컈붡,캪춶헟듸살쫕틦퓚컒맺,맺폐웳튵막럝훆짏쫐룄퓬뗄맽돌훐,평
ꆡꆤꆡ58ꆤ맣훝듳톧톧놨(짧믡뿆톧냦)2004쓪뗚3뻭폚헾뢮좱랦뎤풶뗄뾼싇,퓚늻쓜죃맺폐닺쇷쪧뗄짙닺좨뗄뷡릹낲업,폖쪹뗃맺폐짌튵틸탐뗄럧쿕퓘틢쪶횧엤쿂,퓊탭듳늿럖뗄짏쫐릫쮾ퟮ돵막욱뚨볛쳥늻쏷ꆣ웤횱뷓뫳맻뻍쫇:퓚뺭펪탐캪짏,ퟷ캪닺맽룟ꆣ평폚짏쫐릫쮾튵벨뇭쿖늻병뫍쿠떱뿉맛뗄퓬쯹폐헟듺뇭뗄헾뢮뿉틔뛔틸탐뺭펪믮뚯뷸탐횱뷓룉볙돉럝,퇏훘듲믷쇋춶헟뗄탅탄,쯰몦쇋막쫐뗄붡풤;퓚뺭펪쒿뇪짏,틔헾뢮뗄헾닟쒿뇪캪훷,쳥쿖짌뾵돖탸랢햹ꆣ떱헾뢮쿫닉좡복돖맺폐막틔퓶볓닆헾튵뮯뺭펪놾훊쳘헷뗄펯샻탔쒿뇪뻓폚듎튪뗘캻;퓚쫕죫쪱,쫐뎡뗄춶헟좴틔뗍볛엗쫛막욱살믘펦헾뺭펪믺훆짏,맺폐뛀뗄슢뛏뗘캻폫짧믡훷틥쫐뎡뢮뗄헾닟ꆣퟮ훕,헾뢮뗄복돖랽낸횻쓜퓝춣ꆣ퓚튻뺺헹믺훆쿠놳샫;퓚뺭펪럧쿕짏,헾뢮돐떣쇋컞쿞퓰뚨틢틥짏쮵,헢놾짭닅쫇ꆰ맺폐닺쇷쪧ꆱꆣ죎,튻떩틸탐돶쿖뺭펪럧쿕,퓲튪평맺볒믲듦뿮죋살쯹틔,뛔쯄듳맺폐틸탐뗄막럝훆룄퓬뫍짏쫐,헾돐떣,ퟮ훕평맺볒춨맽뛠랢탐믵뇒뗄랽쪽살뷢뻶,횱뢮뇘탫튪폐뎤풶맦뮮,늻쓜캪쇋짏쫐뛸짏쫐,튲늻쓜뷓틽랢춨믵엲헍믲떼훂뺭볃뇀삣;퓚뺭펪뫳맻짏,뺭떥뒿캪벯뛸뫶쫓틸탐룄룯뗄뎤풶쒿뇪뫍쯰몦춶펪헟캪쒱쟳ퟔ짭샻틦ퟮ듳뮯,뢺펯늻뢺뿷,틔훁쟖쪴헟뗄샻틦ꆣ쇋맺폐뷰죚닺ꆣ맺폐짌튵틸탐뗄닺좨늻붡좫ힴ첬쪹짌튵틸탐뺭펪헾닟뮯ꆢ뷰죚닺닆헾뮯ꆢퟩ횯믺릹(뛾)틀램뫍뫏풼좷솢훐퇫헾뢮폫맺폐뛀틸탐탐헾뮯ꆣ퓚헢훖닺좨훆뛈뗄ퟷ폃쿂,맺폐짌튵틸탐횮볤뗄좨샻튵컱맘쾵,캪맺폐뛀틸탐내쫐뎡맦퓲뺭펪뗄뇗뛋죕틦쿔슶ꆣ뺭펪뗬뚨쇋믹뒡틲듋,캪쇋뷢뻶쯹캽ꆰ닺좨늻쏷ꆱ뗄ힴ첬,헾뢮펦듓1911쓪돉솢떽1991쓪막럝훆룄퓬짏쫐,CBA틀램쏷좷쿖폐맺폐뛀짌튵틸탐뗄닺좨맩쫴훐퇫죋폫냄듳샻퇇솪냮헾뢮횮볤뗄맘쾵뻍쫇붨솢퓚룷훖램쏱헾뢮,평닆헾늿듺샭탐쪹돶죋좨샻ꆣ헢뿉듓룹낸믹뒡짏뗄틀램뫏풼맘쾵ꆣ퓚CBA돉솢쪱,춨맽램놾짏뷢뻶쯹캽ꆰ좫쏱쯹폐탔훊ꆱ퓚램싉짏뚨틥늻쟥컺낸쏷좷CBA뗄닺좨맩쫴냄듳샻퇇솪냮헾뢮,평닆헾뗄컊쳢ꆣ춬쪱맦뚨,룷벶뗘랽헾뢮뛔쿖폐내탐헾쟸늿탐쪹돶죋뫍볠뚽죋뗄뷇즫ꆣ솪냮헾뢮뛔CBA폲짨솢뗄맺폐뛀틸탐룷벶쿠펦럖탐쎻폐맜샭좨,뗄뢺햮폐떣놣뗄퓰죎ꆣCBA뗄쎿튻듎훘듳뇤뮯,냼듓뛸쪹뗃맺폐뛀짌튵틸탐돉캪헦헽뛀솢ퟔ훷뺭펪삨맜샭쳥훆뗄뇤뮯ꆢ뺭펪튵컱랶캧뗄뇤뮯뗈뚼쫇헾뗄뷰죚램죋ꆣ퓚짏쫶쳵볾쿂,헾뢮폫맺폐뛀틸탐뢮뫍틩믡춨맽램낸뗄쟩뿶쿂췪돉뗄ꆣ헽쫇틲캪CBA틀램붨솢좨샻퓰죎뗄뫏풼맘쾵ꆣ캪쇋틔뫳맺폐뛀폫헾뢮횮볤뗄맘쾵붨솢퓚틀램믹뒡짏,쯤좻CBA쫇틸탐뗄막럝훆룄퓬뫍짏쫐,헾뢮펦뛔맺폐틸탐뗄맜냄듳샻퇇헾뢮뛀펵폐뗄틸탐,떫CBA뗄뺭펪췪좫샭쳥훆ퟷ쿠펦뗄뗷헻,벴듓틸탐탐뎤뢺퓰훆쿲뚭쫂쫇뛀솢뗄ꆣ쯹틔,100%뗄맺폐닺좨늢늻쫇떼훂틸탐믡쇬떼쿂뗄탐뎤뺭펪훆틆ꆣ뺭펪늻짆ꆢ늻솼닺룟ꆢ뮵헊뛠뗄풴좪ꆣ컒맺맺폐뛀짌튵틸탐뗄좫쏱쯹폐훆탔훊뻶뚨(죽)캪맺폐뛀짌튵틸탐퓶볓쫕죫ꆢ붵뗍럧쿕쇋웤닺좨쫴폚맺볒쯹폐뛀틸탐,떫헢훖ꆰ좫쏱쯹뒴퓬췢늿뮷뺳폐ꆱ컞싛ퟷ캪좫쳥릫쏱뮹쫇룶죋,뚼늻뻟놸닆닺캯췐CBA뫍냄듳샻퇇틸탐튵뗄뺭퇩쿔쪾,튻룶틸탐죋뫍쯹폐헟쯹뻟놸뗄탐캪쓜솦,튲컞램돐떣닆닺훐퓶볓쫕죫ꆢ붵뗍럧쿕뿉듓틔쿂솽룶랽쏦ퟅ쫖:(1)틸죎뫎튻늿럖뗄쯰쪧퓰죎ꆣ쏻틥짏뗄닺좨훷쳥쫇듺뇭탐닺펦쿲쿠뛔뗍탅듻럧쿕뗄닺틆ꆣ볒춥늿쏅맺볒쯹폐뗄헾뢮,뛸쪵볊햼폐ꆢ쪹폃틸탐닆닺뗄쫇틸뷨뿮뗄퓶볓,쳘뇰쫇힡랿뗖톺듻뿮쫇뗍럧쿕뗄ꆣ듓탐훷맜뫍튻냣풱릤,떫쯻쏇횻쫇ퟷ캪틸탐뗄뺭펪헟,1986ꆫ1990쓪,CBA뗄힡랿뗖톺듻뿮햼ퟜ듻뿮뇈싊늢늻헦헽펵폐틸탐램죋뗄닆닺좨솦ꆣ맺폐짌튵틸탐듳풼캪40%;듓1991ꆫ1995쓪,룃뇈싊짏짽떽듳풼뗄헢훖늻붡좫뗄닺좨ힴ첬,쪹뗃틸탐닆닺좨샻뫍퓰45%,듓뛸듳듳붵뗍쇋틸탐헻쳥탅듻럧쿕ꆣ(2)샻죳죎컞램뷧뚨,떼훂틸탐닺좨맘쾵쒣뫽,닺좨훷쳥탩살풴뗄뛠풪뮯ꆣ퓚1986ꆫ1995쓪,CBA뗄샻쾢쫕죫짨,쯹폐헟늻쓜폐킧탐쪹뫍죃좨솦;뛔폚뺭펪헟살욽뻹쎿쓪햼ퟜ쫕죫뇈싊캪70%,럇샻쾢쫕죫햼쮵,평폚좱랦샻틦믺훆뗄쟽뚯,쯹폐헟뫍뺭펪헟쓑틔30%ꆣ뛸헢튻쟐뚼쫇퓚샻닮캪313%ꆫ416%쟩뿶쿂쪵쿖샻틦뗄벤샸볦죝,떼훂틸탐뺭펪킧싊뗍쿂,뺭펪쪵쿖뗄ꆣ뿉틔췆쯣,퓚뷰죚ퟔ평뮯횮잰룃샻닮룼듳ꆣ헟좱랦랢햹뗄뚯솦ꆣ춬쪱,틲캪닺좨훷쳥좱캻뫍좱퓚쿠뛔뎤뗄쪱볤쓚,룟샻닮뫍럇샻쾢쫕죫뗄퓶볓캪
뗚3웚쿄쏷믡뗈:냄듳샻퇇솪냮틸탐막럝훆룄퓬뗄웴쪾ꆤ5ꆡ9ꆡꆤꆡ냄듳샻퇇틸탐샻죳뗄퓶볓틔펦뛔죕틦벤쇒뗄뺺헹솢훕펰쿬맺폐틸탐뗄룄룯ꆣ쿂쇋몹십릦샍ꆣ쯹틔,캪쇋복쟡쯄듳맺폐뛀틸탐막럝훆룄퓬컒맺쯄듳맺폐뛀틸탐뗄쫕죫살풴릹돉쫇:샻짏쫐뿉쓜듸살뗄헰떴,캪쇋놣뮤맣듳훐킡뒢뮧뗄샻쾢쫕죫햼ퟜ쫕죫뇈싊듳풼캪90%,럇샻쾢쫕죫뇈싊틦,헾뢮폐뇘튪퓚튻뚨뗄쪱볤쓚돉솢쏅뗄뒢탮틸캪10%(쇏살풴:2002쓪4듳틸탐쓪놨)ꆣ힡랿뗖탐,캪맣듳뒢뮧뗄뷰쳡릩튻룶뿉틔탅삵뗄낲좫듸ꆣ톺듻뿮햼ퟜ듻뿮뇈싊욽뻹풼캪10%,뛸틸탐뗄샻닮뻟쳥뗄ퟶ램뿉틔쫇틔룷쪡캪떥캻,돉솢폐쪡헾뢮떣듳풼퓚315%ꆣ쯹틔,샻닮뗄룟뗍뛔컒맺맺폐뛀놣뗄뒢탮틸탐,튲뿉틔쫇붫훐맺얩튵틸탐룄돉쏅짌튵틸탐쒿잰뗄펯샻쫇훁맘훘튪뗄,뛸힡랿듻뿮뇈뗄좫맺탔뒢탮틸탐,뛔쯼뗄뺭펪폐쳘뇰뗄맦뚨ꆣ틲싊뗄짏짽뫍럇샻쾢쫕죫뗄퓶볓늻쫇퓚뛌쪱볤쓚쯹쓜캪쪱볤뗄맘쾵,췪좫붨솢튻룶탂뗄좫맺탔뒢탮틸탐듯떽뗄ꆣ뿉쓜첫동ꆣ틲듋,붫룶죋퓚틸탐뗄헊뮧럖캪뒢탮헊쯹틔,뷡싛쫇:(1)샻싊뗄쫐뎡뮯퓚쒿잰쫇늻쫊뮧뫍뺭펪헊뮧쫇튻쳵쮼슷ꆣ틋뗄ꆣ틲캪샻싊뗄쫐뎡뮯붫쪹틸탐횮볤뗄뺺헹쟷폚냗죈뮯,톹쯵틑틑폐뗄샻죳뿕볤ꆣ헢퓚맺폐틸탐튪(컥)볓잿뷰죚솢램,캬뮤맺볒틸탐쳥쾵낲좫틀뾿퓶볓샻죳살쿻뮯맽좥뗄듳솿늻솼닺횮볊,컞퓚냄듳샻퇇,볠맜틸탐뗄훷튪램맦냼삨1959쓪틉쫇톩짏볓쮪ꆣ(2)죃틸탐폐뒴탂뷰죚닺욷뗄ퟔ훷ꆶ틸탐램ꆷꆢ1972쓪ꆶ틸탐막럝돖폐램낸ꆷ뫍ꆶRBA뗄좨,뗷뚯틸탐뗄믽벫탔,퓶볓럇샻쾢쫕죫ꆣ룼캪횱뷓뷷짷탔횸쓏ꆷꆣ룹뻝1959쓪ꆶ틸탐램ꆷ,퓚냄듳샻퇇뗄튻룶듫쪩쫇,죃틸탐뛔웤럾컱헋뮧쫕좡쫊떱뗄맜듓쫂틸탐튵컱튪좡뗃헾뢮뗄탭뿉횤ꆣ틸탐막럝돖폐샭럑,틔쏖늹웤캬돖엓듳췸싧뗄돉놾ꆣ램낸맦뚨:룶죋퓚헽뎣쟩뿶쿂늻뗃돖폐뎬맽튻볒짌튵틸탐10%뗄막좨ꆣ쇭췢튻룶쿞훆쫇1975쓪뗄췢(쯄)놣뮤뒢뮧뗄샻틦,돉솢쏅뗄뒢탮틸탐맺죋쫕릺램,췢맺죋쫕릺튻룶틸탐뗄막럝뎬맽퓚뺭샺19쫀볍90쓪듺뗄뷰죚캣믺뫳,냄듳샻15%,뇘탫횪믡헾뢮닆헾늿뎤ꆣ틲캪틸탐쫇튻룶맺퇇룷훝헾뢮돉솢쇋헾뢮펵폐뗄뒢탮틸탐;솪냮헾뢮볒짧믡뺭볃훐뗄훘튪늿쏅,막좨뗄룟뛈벯훐믲쫇놻돉솢CBA,떣떱튻룶좫맺탔뗄뒢탮틸탐,캪튻냣볒춥췢맺죋듳솿돖폐뚼늻럻뫏맺볒뗄낲좫샻틦ꆣ퓚CBA뗄뒢탮뷰쳡릩튻룶낲좫뗄룛췥ꆣ돽CBA췢,뒢탮막럝1991쓪뗚튻듎짏쫐쪱,냄듳샻퇇헾뢮맦뚨췢맺틸탐폫짌튵틸탐쫇럖뾪뗄ꆣCBA뗄돉솢뫍랢햹캪냄죋늻쓜릺싲헾뢮놾듎돶쫛룸냄듳샻퇇릫훚뗄막욱ꆣ듳샻퇇뷰죚튵욽컈뛈맽20쫀볍20쓪듺뗄뷰죚캣퓚1993쓪ꆢ1996쓪뫳탸돶쫛CBA막럝쪱,쯤좻쿲맺믺ꆢ20쫀볍90쓪듺퓧웚뗄뷰죚튵쯰쪧웰떽쇋훐탄볊춶헟돶쫛,떫쫇헾뢮맄샸냄듳샻퇇릫훚돖폐컈뚨웷뗄ퟷ폃ꆣ냄듳샻퇇뷰죚맜샭떱뻖횱떽1989CBA막욱ꆣퟮ뫳뗄뷡맻쫇CBA85%뗄막럝놻냄듳쓪닅좡쿻뒢탮틸탐폫짌튵틸탐뗄뷧쿟ꆣ뒢탮틸탐뗄샻퇇죋돖폐ꆣ듦퓚컞틉캪냄듳샻퇇틸탐뛈맽룷훖뗄룄룯ꆢ캪짧믡볈좻컒맺헾뢮ힼ놸뛔쯄듳맺폐틸탐뷸탐막럝훆뺭볃욽컈퇝뇤랢믓쇋믽벫ퟷ폃ꆣ룄퓬뫍짏쫐,쓇쎴붫살틸탐막럝뗄벯훐뫍췢맺죋돖본폚틸탐튵퓚컒맺짧믡뺭볃짺믮훐뗄훘튪탔뫍폐틸탐뗄막럝뻍쫇튻룶쿖퓚뻍횵뗃힢틢뗄컊쳢ꆣ퓚쯄듳맺폐틸탐퓚컒맺틸탐튵훐뗄뗘캻,퓚뛔쯄듳맺컒맺볓죫WTO뫳,컒맺뗄틸탐튵붫ퟮ퓧뛔췢뾪럅ꆣ폐틸탐뷸탐막럝훆룄퓬뫍짏쫐잰,돉솢쏅뗄뒢탮췢틸탐뛔컒맺틸탐튵뗄펰쿬돌뛈쿖퓚뮹뫜쓑맀틸탐놣뮤듳뛠쫽볒춥뗄뒢탮뷰쫇럇뎣훘튪뗄ꆣ틲볆,떫뿉틔뿏뚨뗄튻뗣쫇,떱췢틸탐햼컒맺틸탐튵캪쯄듳맺폐틸탐막럝훆룄퓬뫍짏쫐뇘좻볓뻧틸탐튵쫐뎡튻뚨럝솿뗄쪱뫲,컒맺뗄틸탐쳥쾵낲좫짵훁컒뗄뺺헹,퓚튻뚨쪱웚쓚퓬돉튻뚨돌뛈짏뗄헰떴쫇쓑맺뺭볃낲좫뻍믡쫜떽펰쿬ꆣ쏢뗄ꆣ냄듳샻퇇틸탐튵퓚뷰죚럅쯉맜훆뫳뗄벸쓪쓚쯹틔,컒쏇죏캪펦볓뿬뷰죚솢램믲탞룄쿖폐뗄돶쿖뗄뿷쯰뻍쫇튻룶뫜뫃뗄샽ퟓꆣ죧맻듳뛠쫽뒢뮧짌튵틸탐램살뒦샭룶죋(냼삨췢맺죋)돖폐컒맺짌튵뛔랢짺뗄헰떴룐떽늻낲,뛸쿠펦뗄뒢탮뷰쎻폐튻틸탐막좨뗄쫽솿뇈싊ꆣ룶낲좫뗄돶슷,뇘좻뛔짧믡짺믮뗄컈뚨듸살돥믷,ퟮ[퓰죎뇠벭ꆡ컢헰뮪]
ꆤ94ꆤꆯ:feministpoetry;consciousnessofdarkness;femaleconsciousnessAfewwordsaboutinadequateusesoflanguageinmediainthePearlRiverdeltaareaLUOWei2ming(ChineseDepartment,SchoolofHumanities,GuangzhouUniversity,Guangzhou510405,China)Abstract:ThisarticlediscussestheinadequaciesofthemediaphraseologyinthePearlPearlDeltaareafromseveralper2spectivessuchasgrammar,allusion,quotations,vocabularyandsoon;,itilluminatestherelevantcountermeasureswhichareusedtopreventsuchproblems,:media;spot2checks;pragmatics;grammar;standardizationOnfeaturesofEnglishoflawfromtheperspectiveofthreemetafunctionsLIAOChuan2feng(GuangdongPublicSecurityandJudicialManagementCollege,Guangzhou510232,China)Abstract:Thisarticleoffersananalysisoflegislativediscourse,(excludingtheamendments).Theresultoftheanalysisshowsthatlegislativediscourseshavesuchfeaturesasdefinite2ness,relativestabilityandcompulsionintermsofinterpersonalfunction,andintermsofideationalfunction,itischarac2terizedbynorm,fossilization,coordination,objectification,impartiality,inexorability,simplicityattheleveloftheclausecomplex,complicationattheleveloftheword,,itismarkedbyobjective,flexible,realistic,coherent,:Englishoflaw;legislativediscourse;threemetafunctionsCulturaldifferencesanduntranslabilityXIELing(SchoolofForeignStudies,GuangzhouUniversity,Guangzhou510505,China)Abstract:Culturaldifferencesamongdifferentcountriesandnationsmaygiverisetofailureormisunderstandingsincross2culturalcommunicationandformabarriertotranslation,:culturaldifference;untranslatability;compensatingmeans;culturalperspectiveAReflectiononAustralianstate2ownedbankꆯscorporationreengineeringXIAMing2hu1i,LIUDa2w2ei(,GuangzhouUniversity,Guangzhou510091,China;,Beijing100037,China)Abstract:BasedontheanalysisofAustralianstate2ownedbank2CBAꆯscorporationreengineering,thispapergivessomesuggestionstoChinesestate2ownedbankꆯ,,butalsofortheChinesebankin2
ꆤ95ꆤ,andestablishaspecialsavingsbanktoprotectdepositorsꆯ:state2ownedbank;CBA;corporationreengineeringAnincentivesystemforpublicservantsundertheconditionofinsufficientsalaryXUYue2hua(SchoolofLaw,GuangzhouUniversity,Guangzhou510405,China)Abstract:Whenthereisnosupervision,ꆯ,,:spatialcorrelationandvisibilitybetweeneachdepartmentꇺsupervisionefficiencyꇺdegreeofdiligenceofpublicservantsꇺ:incentive;supervision;publicservants;correlatedofficesystemThecustomerꆯsvalue,structureandstrategyinmarketingFUHong2xing(The1stAdultTechnicalSecondarySchool,Guangzhou510030,China)Abstract:Inmarketing,enterpriseshavebeengivingmoreandmoreattentiontothecustomerꆯsrelationandmanyhaveintroducedthecustomerꆯsrelationmanagementsystem(CRM).Thispaper,basedonCRM,discussesthecustomerꆯslifelongvalue,regularityofchangingandmotivefactors,:customerrelation;customervalue;hierarchicalstructure;systemizedserviceAReflectionontheChinesesystemofpersonallawofphysicalpersonsWANGLin2Hua(SchoolofLaw,GuangzhouUniversity,Guangzhou510405,China)Abstract:ThreebasiccharacteristicsandeightdefectsoftheChinesesystemofpersonallawofphysicalpersonsareana2lyzedinthispaper,andtheproposalsconcerningsuchissuesintheapplicablelawasthephysicalpersonꆯslegalcapaci2ty,therelationshipofmarriage,therelationshipoffamily,adoption,successionandsoon,:personallawofphysicalpersons;theapplicablelawAcomparativestudyofconstructioncontractconditionsinChineseandforeigncontractsꆪꆪꆪcontractconditionsandtheirapplicationSHELi2zhong(SchoolofEconomicsandManagement,GuangzhouUniversity,Guangzhou510405,China)Abstract:Thepresentpaperoffersanintroductionofcontractconditionspopularintheworldtoday,especiallyFIDIC,,thepaperpointsoutthemainproblemsthatexistinapplyingprovisionsofFIDICinourcountryꆯsengineeringprojectmanagementandsug2
