| 1. | To this end , it is recommended , in the case of banks , that the board should include at least three
为此，建议银行的董事局应最少包括3名 |
| 2. | 20 . first , and perhaps most important , the report recommends that hkab could take further its function as the voice of the industry
20 .第一，也许亦是最重要的，就是报告建议银行公会可进一步发挥其代表银行界发表意见的功能。 |
| 3. | This was anticipated when we made the recommendation at the end of january for banks to tighten the loan to value ratio for more expensive properties , " said mr carse
我们在一月底建议银行收紧贵价物业的按揭成数时，已预计会出现有关情况。 |
| 4. | The bank should get license from government in life insurance business . the bank should aggressively develop personal financial services with its strengths
此外建议银行尽快争取经营人寿保险业务的牌照，充分利用自身的优势去积极发展个人零售银行的业务。 |
| 5. | The chinese translation of the documents will also help the bank to comply with the recommendation of the code to make available the terms and conditions of banking facilities in both english and chinese .
文件提供的中文译本，将有助各银行达到银行营运守则建议银行就业务合约提供中英文版本的要求。 |
| 6. | The quarterly bulletin also carries an article entitled " financial disclosure package 1996 " , which provides an update on the disclosure regime recommended for banking institutions by the hkma
这期季报还刊载了一九九六年财务资料披露方案一文，文中载有金管局建议银行机构采用的财务资料披露制度的最新资料。 |
| 7. | " for example , we have recently advised institutions to resist suggestions that they should reduce or waive the charges for early repayment of mortgage loans since that could give encouragement to speculation .
举例来说，市场最近建议银行机构可减低或豁免就提前赎回按揭徵收罚息，但我们劝喻认可机构不应跟随此种做法。因为此举会助长炒风。 |
| 8. | " in view of the buoyancy of the residential property market and new flats offered to the market in early january , we expect the growth of residential mortgage loans will continue to rise quite rapidly in january , " said mr carse
简达恒说：由于不少贷款申请在审批中，故预期住宅物业按揭贷款在二月份会继续迅速增长。我们在一月底建议银行收紧贵价物业的按揭成数时，已预计会出现有关情况。 |
