On the data statistics of annual reports of four state - owned commercial banks ( 2004 ) , loan revenue take up above 60 % of commercial bank ' s operating income , loan accounts for above 85 % of commercial bank ' s asset . so , it is important that whether loan price could cover cost and risk of bank , and whether it could get the maximum of benefit 根據(jù)四大國(guó)有商業(yè)銀行2004年年報(bào)的數(shù)據(jù),貸款占資產(chǎn)總額的平均比重為60 % ,利息收入占營(yíng)業(yè)收入的平均比重為85 % ??梢?貸款定價(jià)是否合理,貸款價(jià)格能否補(bǔ)償銀行的成本和風(fēng)險(xiǎn),對(duì)商業(yè)銀行的發(fā)展至關(guān)重要。
This has greatly inspired jilin netcom how to further develop broadband value - added business , and how to users through content services continuously meet the diverse needs of many problems is imminent . competitive opportunities , but also challenges . jilin netcom in the fixed telephone operating income decline by severe forms of development potential in xiaolingtong inadequate and uncertain time for the issuance of 3g licences of serious study jilin netcom broadband profitability model analysis with a view to enhancing the sustainable development capacity jilin netcom , have important practical significance 本文首先對(duì)吉林網(wǎng)通寬帶業(yè)務(wù)的發(fā)展現(xiàn)狀、發(fā)展趨勢(shì)、競(jìng)爭(zhēng)情況以及面臨的市場(chǎng)機(jī)遇與挑戰(zhàn)進(jìn)行了分析,在此基礎(chǔ)上,對(duì)吉林網(wǎng)通寬帶客戶群應(yīng)用現(xiàn)狀和客戶群需求分析進(jìn)行了深入的研究,闡述了目前網(wǎng)通寬帶還不能滿足客戶的多樣化需求,得出了客戶對(duì)寬帶內(nèi)容服務(wù)和增值服務(wù)有著強(qiáng)烈期望的結(jié)論。
It is proved that agriculture is an advantage for the development of agricultural listed companies with comparative advantage theory , competitive advantage theory and asset specificity theory as basic theory in the paper . the indicator of operating income , investment income , allowance income , main business profit , main operating income and agricultural income ( in a narrow sense ) are used to analyze from profit and income two sides . through statistical analysis and model analysis with those indicators , it is found that contribution of agriculture for the development of agricultural listed companies is small and agriculture can not be regarded as an important industry for agricultural listed companies 本文以比較優(yōu)勢(shì)理論、競(jìng)爭(zhēng)優(yōu)勢(shì)理論和資產(chǎn)專用性理論為基礎(chǔ),說明“農(nóng)業(yè)”是農(nóng)業(yè)上市公司發(fā)展的優(yōu)勢(shì)所在,但從利潤(rùn)與收入角度,在選取營(yíng)業(yè)利潤(rùn)、投資收益、補(bǔ)貼收入、主營(yíng)業(yè)務(wù)利潤(rùn)、主營(yíng)業(yè)務(wù)收入和農(nóng)業(yè)收入(狹義范圍)等指標(biāo)進(jìn)行統(tǒng)計(jì)與模型分析后發(fā)現(xiàn),農(nóng)業(yè)對(duì)農(nóng)業(yè)上市公司的發(fā)展貢獻(xiàn)較小,從而說明農(nóng)業(yè)上市公司并沒有以農(nóng)業(yè)為重發(fā)展。