Analysis on Formation Causes of Interest Rate Risks of Commercial Banks in China

Economy globalization inevitably requires financial globalization. The interest rate （IR） is decided by the market, which will bring about IR risks to commercial banks （CBs）. This paper discusses the inevitability of fulfilling market IR in China and what IR risks Chinese CBs have to burden. It also analyzes the formation causes of IR risks from the exterior and the interior aspects.

CHARACTERISTICS AND FORMATION CAUSES OF QINGDAO COLD WATER MASS

In this work, the main characteristics of the Qingdao Cold Water Mass were studied by using "the comparison analysis method" based on 1980 temperature,salinity and dissolved oxygen data on the western South Yellow Sea. The formation cause of the water mass was analyzed based on February of 1959 temperature and salinity data for this area and on some other authors’ studies. The results showed that the Qingdao Cold Water Mass has growing and vanishing processes: appears in the last ten days of March; has stable pattern in April; is biggest in its area in May; becomes small in its area in June; vanishes in July. It comes from the northern Shandong Coastal Water and is characterized by low temperature and salinity and high dissolved oxygen. The mass is formed under the joint effects of anticyclonic circulation and solar radiation.

A STUDY ON THE EVOLUTION OF GROUNDWATERPOLLUTANTS AND CAUSES OF FORMATION IN MANZHOULI

Studying the evolution of groundwater pollutants and the causes of formation in Manzhouli is important and necessi- tous as the present water source of the production and living in Manzhouli is just groundwater and the water crisis is staring Manzhouli people in the face. The evolution of pollutants in groundwater in Manzhouli was derived based on the continuously monitoring between 1989 and 1999. In total, the quality of groundwater in Manzhouli is good except that the content of F is exceeding the standard. The quality of groundwater varies seasonally. The content of pollutants in high water is higher than in the low water except pH and As. The yearly evolution shows the regime like the damp surge. The evolution of pH is inverse to NO3-N and F after 1999. The courses of formation of the evolution of the content of the pollutants in groundwater in Manzhouli are the supply of runoff, the feature of rock, the time the water being stayed in the layers and the chemical field. Being affected by the supply of ground surface and hydrogeology condition, the contents of pollutant are higher in the May than in September and the yearly evolution is undulance. In total, the pollutants in the deeper layers are less than in the upper layers. Explosion water in the deeper layers, using the techniques of cutting F and minifying the pollutants caused by human being are the sound countermeasures in Manzhouli.

Causes and typical control model of wind-drift sandy lands in abandoned channel of the Yellow River

The historical formation and development of the abandoned channel of the Yellow River is reviewed and its causes of formation and present condition of prevention and control are analyzed in this paper. Based on this analysis, some ideas about control, critical problems and countermeasures in the next period are proposed with two typical control models as examples. We suggest that in preventing and controlling the wind-drift sandy lands in the region, the emphasis should be to develop, with a greatly expanded effort, a recycling economy. This should realize a combination of two ideas, i.e. integrate combating desertification with a structural adjustment of agricultural and an increase in the income of farmers.

Straight river: its formation and speciality

Straight river is generally regarded as one of the typical river patterns in conventional classifications in terms of their channel plain landforms. However, very few straight patterns were found to be distributed in wider spatial and temporal spans in the self-adjusted fluvial rivers. Thus, the questions occur such as that is it possible for a channel takes on a stable straight pattern? What are the main factors controlling the processes of the river pattern formation and transformation from a straight to other patterns? Various theories and hypotheses including geomorphic threshold hypothesis, the extreme hypothesis on energy dissipation rate, the stability theory, etc. have been developed to explain the aforementioned questions, but none of them is sound for the explanation to the straight-river formation. From the modern fluvial plain patterns, the straight patterns are not as stable as other typical patterns which occurred in nature; from the historic records of the river sedimentation, no apparent evidence was found to support the stable straight river evolution. Based on the analysis of existing theories, observations, evolvement processes of the channel patterns in the experimental results, this paper concluded that the straight pattern should not be included as one of the typical patterns that are self-formed and developed. This study is of importance to understanding of the river pattern formation and transformation.

A Contrastive Analysis of Chinese and Japanese Homographs and a Study on the Causes of Differences

Since ancient times,China and Japan have had a close relationship in cultural exchanges,and there are words borrowed and influenced by each other in terms of words.Therefore,there are a large number of words in the languages of China and Japan that are identical or similar in appearance,but differ in meaning or usage.As Learners of Japanese,it is necessary for us to make a comparative study of homomorphic words.This paper tries to analyze and discuss the characteristics and causes of homomorphic words based on the classification of homomorphic words from the perspective of lexicology.

Analyzing the formation cause of Xidatan drinking mineral springs in island permafrost area on north slope of the Kunlun Mountains

The replenishment source of Xidatan drinking mineral springs in island permafrost area on north slope of the Kunlun Mountains are mainly the melting water from the modern glaciers bottom, snow and ice melting water, atmospheric precipitation, and surface water in Yuzhu Peak area on the Kunlun Mountains. This scenario is based on the survey of hydrogeology, water-conducting and water-controlling faults, and water chemistry, and on the EH-4 high-frequency electronic deep exploration. The original water recharges the deep groundwater at fracture zone of active normal faults F3 and F4 , then groundwater enriches at normal faults F2 and F2-1,2 , and then run northward. A water-rich triangle area is formed when groundwater reach the active reverse fault F1 . Groundwater then discharges through fracture zone of F1 , which is the major cause of the Xidatan mineral springs formation.

Review on Drought Disasters in the Five Provinces of Northern China in 1920

This paper analyzed the severe drought that took place in the five provinces of Northern China in 1920.Study suggested that the severe damage caused by the drought was resulted from many reasons,such as certain specific natural conditions,deterioration of ecological environment,malformations of the rural economy and turbulence of domestic politics.However,some new phenomena took shapes during this time disaster relief activity.

Dried earth layers of artificial forestland in the Loess Plateau of Shaanxi Province

By determining the earth moisture content of artificial forestland between 0 and 6 m deep in the Loess Plateau of Shaanxi province, the vertical change of moisture content, distribution and formation causes of a dried earth layer are researched. The results show that the average moisture content is 9.3%-9.5% between 2 and 4 m under artificial forest of over 10 year＇s growth in Guanzhong Plain, and chronic weak dried earth layers are developed which show that the dried earth layers are distributed extensively on the Loess Plateau. The southern boundary of the dried earth layer has reached the northern foot of the Qinling Mountains. When precipitation reaches 600 mm, there are weak dried earth layers between 2 and 4 m under artificial forest of more than 10 years old. When the precipitation is between 400 and 500 mm, there are moderate dried earth layers. When precipitation is above 800 mm, there are no dried earth layers. There are no dried earth layers under meadow land, corn land and less than 5 years old of artificial forestland in central and southern parts of the Loess Plateau. The development of dried earth layers under cypress forest is weaker than broad-leaved forest. Under the same climatic conditions, the development of dried earth layers under the loess tableland is nearly at the same level as the 2nd and 3rd river terrace. Dried earth layers developed in membrane water zone, and the buried depth is small and motion velocity is slow in the Loess Plateau, which is the direct water factor of the formation of the dried earth layer, while differences of tree age and tree species are the plant factors that consumed much moisture. From the depth of the gravity water and the membrane water in Guanzhong Plain, it is clear that the formation cause of dried earth layers is mainly due to natural factors. The dried layers generally develop in middle-aged artificial forestland that consumed too much moisture, which is the general character of earth moisture in subhumid and semiarid zones. The appearance of dried layers doesn＇t show that the forest doesn＇t develop in this area; this is depended on their development intensity. Artificial forest of Chinese poplar, locust tree and Chinese scholartree consuming less water can be planted in the areas where dried earth layer developed weakly, but can not be planted in the areas where dried earth layer developed intensely.

Approach to Mountain Hazards in Tibet, China

Tibet is located at the southwest boundary of China. It is the main body of the Qinghai-Tibet Plateau, the highest and the youngest plateau in the world. Owing to complicated geology, Neo-tectonic movements, geomorphology, climate and plateau environment, various mountain hazards, such as debris flow, flash flood, landslide, collapse, snow avalanche and snow drifts, are widely distributed along the Jinsha River (the upper reaches of the Yangtze River), the Nu River and the Lancang River in the east, and the Yarlungzangbo River, the Pumqu River and the Poiqu River in the south and southeast of Tibet. The distribution area of mountain hazards in Tibet is about 589,000 km2, 49.3% of its total territory. In comparison to other mountain regions in China, mountain hazards in Tibet break out unexpectedly with tremendously large scale and endanger the traffic lines, cities and towns, farmland, grassland, mountain environment, and make more dangers to the neighboring countries, such as Nepal, India, Myanmar and Bhutan. To mitigate mountain hazards, some suggestions are proposed in this paper, such as strengthening scientific research, enhancing joint studies, hazards mitigation planning, hazards warning and forecasting, controlling the most disastrous hazards and forbidding unreasonable human exploring activities in mountain areas.

Ways to Improve Low-Benefit Black Locust Forests in Loess Plateau

This paper presents a general standard for the low-benefit black locust （Robinia pseudoacacia L.） torests m Loess Plateau based on defining the concept of “tri-low forest”, and emphasizes the major factors which result in low-benefit black locust, such as, lack of soil moisture of forest and nutrient, breaching the principle of matching tree species to sites, and high density of forests. Based on different characteristics of low-benefit forests, following the principle of “adjusting measures to local conditions, giving priority to ecological benefits, assisting with economic benefits”, the authors put forward some technical ways to reform low-benefit black locust forests, for example, taking measurements of collecting runoff and storing water, lowering the forest density, introducing mixed forests and transforming species, directive breeding and so on.

ANALYSIS OF CAUSATION OF ASYMMETRIC PRECIPITATION ASSOCIATED WITH SEVERE TYPHOON DAMREY

Severe typhoon Damrey moved across Hainan Island from 00:00 UTC 25 September to 00:00 UTC 27 September in 2005 and gave rise to a significant rain process during its 48-h passage.The precipitation intensity on the southern part of the island is stronger than that on the northern,showing obvious asymmetric distribution.Using Tropical Rainfall Measuring Mission(TRMM) data,the associated mesoscale characteristics of the precipitation were analyzed and the formation of asymmetric rainfall distribution was investigated in the context of a subsynoptic scale disturbance,vertical wind shear and orographic factors.The results are shown as follows.(1) The subsynoptic scale system provided favorable dynamic conditions to the genesis of mesoscale rain clusters and rainbands.(2) The southern Hainan Island was located to the left of the leeward direction of downshear all the time,being favorable to the development of convection and leading to the asymmetric rainfall distribution.(3) Mountain terrain in the southern Hainan Island stimulated the genesis,combination and development of convective cells,promoting the formation of mesoscale precipitation systems and ultimately resulting in rainfall increase in the southern island.

Inquiring Into the Current Dilemma on the Employment for College Graduates

The difficulty in employment has become a serious social problem, which caused widespread concern of the government and society, it is because the system of the current economy cannot mix together organically with the cultivating form of talented person in the popular higher education. The employment post cannot satisfy the need of the talented person＇s production. The employing situation is getting worse gradually. How to find the realistic reasons and seek out a feasible way, and how to get rid of the current employment difficulties will become one of our major tasks. Through the investigation and analysis, we find out the mismatch on one-sided enrollment expansion of higher education with the economic system and the model of talent training. The prominent contradictions of the professional settings in universities with the marketing demands is the main reason of difficult employment. So, we think, in order to adjust the policies of enrollment and employment, perfecting market system, expanding employment channels, and improving the students＇ quality are the fundamental ways to solve the problem of employment. Solving the employment problem is the foundation of stable development of social economy. Through a lot of investigation and study, we have carried on the thorough analysis to solve the problems Thinking that we seek truth only from facts, especially knowing reality and admitting the reality, we could find the reasonable solution to resolve a series of problems in the process of popularization of higher education, and to promote the scientific development and progress of higher education and social economy