Owing to the combination between banking and economics , influencing factor is increasingly complicated . banker needs to design one macroanalysis model to logically judge different kinds of income chance and danger all banks faced with , through which banker may supply effective diagnose for banking operating management 加入wto對(duì)金融業(yè)意味著擁有先進(jìn)管理技術(shù)和經(jīng)驗(yàn)的外資銀行搶灘國(guó)內(nèi)銀行業(yè)務(wù),其對(duì)國(guó)內(nèi)中資銀行的競(jìng)爭(zhēng)和生存環(huán)境的影響是巨大且不可預(yù)測(cè)的。