！！！悬赏50，追加20，懂金融的英语高手请进》》》》》

1,a large proportion of chinese banking system's profits comes from the gap betweent interests of loans and deposits(credits and debts)which are high in expense and r**k.generally,the service income accounts for less than 15%.while in western developed countries,due to the wide implementation of **rmation technology and the development of financial innovation,the persentage of noninterest income increased sharply.the revenue brought by tranditional business accounts for less than 40%of total revenue.
2,at the end of year 2003,the bad debts ratio of citigroup ** only 2.**%,while at that period the corresponding ratio in china was 16%.
3,take h**c group for example,it has only 9500 offices in 79 countries and territories.its total assets in the end of 2003 **$1034.2 billion and the profit before tax **$12.8 billion.correspondingly,the total assets of the largestbank of china-icbc(industries and commercial bank of china)** 5279.1 billion rmb the operating profit ** 63.5 billion rmb.however,there are 24129 offices within boundary and 70 outside.
4,in the end of 2003,h**c has 230,000 employees all over the world,while the contemporary number of employee in icbc ** up to 389,000.
5,according to the research taken up by alen milton international management and consultation company(brit**h),the cost of each payment transataion differs dramatically,through internet,it costs 13 cents;through bank's own personal computer services,it costs 26 cents;atm 27cents;telepone bank service 54 cents and through branch the cost ** up to 108 cents.
6,the fubon financial holding group d**covered through research that the crm"80/20"theriom which ** fit for common industries ** incredibly"98/2"for financial industry.