报告从战略性分析、环境分析、竞争对手情报、市场信息、分析评论等方面对金融行业进行了分析评论。

报告从战略性分析、环境分析、竞争对手情报、市场信息、财务信息、营销信息、产品信息、公司信息、数据库等方面对银行行业进行了分析评论。

报告从战略性分析、环境分析、竞争对手情报、市场信息、财务信息、营销信息、产品信息、公司信息、数据库等方面对保险行业进行了分析评论。

报告从战略性分析、环境分析、竞争对手情报、市场信息、分析评论等方面对金融行业进行了分析评论。

报告从战略性分析、环境分析、竞争对手情报、市场信息、财务信息、营销信息、产品信息、公司信息、数据库等方面对保险行业进行了分析评论。

报告从战略性分析、环境分析、竞争对手情报、市场信息、财务信息、营销信息、产品信息、公司信息、数据库等方面对保险行业进行了分析评论。

本报告对2012年中国线上理财用户基本属性进行论述，并对中国线上理财用户使用行为、中国线上理财用户意愿及中国理财类APP应用用户属性及行为进行了分析。

央行金融稳定报告指出存款保险制建立各方面条件已经具备。预计存款保险制度推出将加快，推出初期情绪上或有负面影响。上周银行板块下跌1.8%，上周理财综合收益率环比回升8bp。利率市场化等因素或对板块估值大幅提升形成抑制。

IT can be defined as an integrated platform that includes IT hardware, IT services, and IT software. It enables large data manipulation, information management, and streamlined operational processes to increase productivity and efficiency. This enables the smooth flow of information across an organization. It also helps organizations align their business processes with various technologies. IT is mainly required to develop a secure cyber environment, maintain a uniform flow of information, and build positive economic conditions in the long run. The improving financial environment in China is prompting banks to invest in IT and further develop the banking IT infrastructure in the country.The Banking IT market in China continued to grow despite the recent economic downturn. The demand in the Banking IT market in China originates primarily from large banks, small and medium-sized banks, and government banks. The market is expected to grow at a CAGR of 19.94 percent during the period 2011–2015.

报告从战略性分析、环境分析、竞争对手情报、市场信息、分析评论等方面对银行行业进行了分析评论。

P2P借贷是民间借贷模式的规范化、规模化和创新发展。P2P借贷发展具有深刻的技术和经济背景，经营模式日趋成熟，未来成长空间巨大。从金融市场现状和政策环境看，P2P借贷在中国存在巨大市场需求和发展机会，推动了小微经济的发展。国内P2P借贷存在多种模式，与银行小贷错位竞争。人人贷具有较为成熟的盈利模式和风控体系，经营状况良好具有可持续性，发展前景看好。

报告从战略性分析、环境分析、竞争对手情报、市场信息、财务信息、营销信息、产品信息、公司信息、数据库等方面对银行行业进行了分析评论。

Due to the sluggish external environment, gross domestic product (GDP) growth for the whole Asia-Pacific region for 2012 was projected by the World Bank to drop to 7.2%. Equity markets appeared to rebound after June, with stocks in more developed countries up 11.8% and in developing countries by 7.3%, as of October, according to the World Bank. Fears of a hard landing in China were allayed when industrial production and exports unexpectedly grew from October onwards. Over the last six months, central banks in the Asia-Pacific region adopted a more accommodative stance, with monetary policies tilting towards growth as inflationary pressures began to recede. Optimism that China’s sluggish growth could be sped up by rising factory output and retail sales kept share prices from sinking.

By 2015, the Asia-Pacific could account for an estimated 39% of the world’s annual economic growth, with multinational insurers preparing for further investment in the region or in the midst of investing in the region.Asia-Pacific insurers have recovered from the distraught market conditions of the financial crisis,which led to massive losses in equity capital markets and a dramatic widening of credit spreads. Insurers have adjusted and expanded their distribution strategies amid shifting demographics and consumer buying patterns. India’s Insurance Regulatory Development Authority (IRDA) is drafting guidelines that wouldallow Indian insurers and reinsurers to open overseas branch offices, subsidiaries or joint ventures.

之所以出现“钱荒”，既有外汇占款增速放缓、财政存款大量增加、表外资产进表导致银行存款负债上升等“客观原因”；也有中央银行希望通过收紧同业市场流动性抑制信贷和货币增长的“主观原因”。总体上看，“主观原因”的作用更大。