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外资银行英文职位分析篇

The bank then uses the money that has been deposited to grant loans(发放贷款）. Banks make a profit by charging a higher rate of interest to borrowers than they pay to depositors.
品质保证部
FI：FiBG：Citibank business group
商业银行部
Legal：法务合规部 Risk：风险控制部 ICU：Internal Control Unit
主要负责客人的开户资料以及补充更新的管理工作的部门 SME: Small and medium enterprises
Global transaction service (GTS):
---全球贸易服务
主要包括cash, trade和e-electronic bank
对客户提供综合性服务，比如原来客户需要一种服务涉及到银行的3，4 个部门只能一个一个去联系，现在通过GTS客户把要求告诉银行，由银行设计一种产品把客户的要求一次性完成。包括现金管理、资金转账、外汇交易、清算、国际结算等。
Commercial & Retail Banking : 商业银行零
售业务
---When people have extra money, they may choose to deposit it in a bank account, at a commercial or retail bank, and the bank pays interest to the depositors(存款者）.
外资银行英文职位及缩写分析篇

外资银行业务分类参考

外资银行的业务跟中资银行大体上是一致的，一般根据服务对象的不同，分为两大板块：一、对公业务Corporate Banking针对企业、机构客户提供贷款、理财和融资等服务；二、零售业务Consumer Bank\ Retail Bank（或者叫消费银行/消费金融/Consumer Finance）零售银行是“主要向家庭和小企业提供服务的面向消费者的银行”。

零售银行的服务对象是普通大众市民、中小企及个人小户。

零售银行服务客户通常是透过银行分行、自动柜员机及网上银行等交往的。

与之对应的是批发银行(Wholesale Bank)。

注意区别：零售银行（retail bank)的概念＞个金业务（personal banking）以下是一个外资银行个金业务经理的工作职责：主要概括为：个人金融服务和HML业务Home Mortgage Loan(住房按揭/抵押贷款）1.develop VIP customer2. Home morgage loan service3. investment consulting：Fund, insurance and structured financial products recommends and sales4. channel buliding1.高端客户拓展；2. 制定和运作个人购房贷款方案；3. 制定和推荐个人理财规划方案\投资方案：基金、保险以及结构化理财产品；4. 渠道建设。

（具体讲，就是根据银行的客户发展战略，主动寻找客户，通过各种渠道与客户建立业务联系。

）金融产品的推荐要体现出专业性，仅靠客户经理自身努力还不够，背后还需要两个技术支撑:一个是产品经理(金融混业)，另一个是适当引入相关的专业机构，比如保险、证券、基金和期货公司。

它们可与产品经理一道，集中通过客户经理，传递更为专业的咨询信息。

企业银行业务又根据企业的规模有细分，如大客户部、GTS、SME等，解释如下：（1）Wholesale Bank（批发银行）的定义，由于不同国家不同时期对银行业务的管制差异而有所不同。

我所了解的加拿大皇家银行(RoyalBankofCanada)

本文通过与中国国内商业银行的对比介绍了加拿大皇家银行所提供的金融产品与服务通过对财务报表的分析初步评估了金融危机对加拿大皇业务特点组织结构以及财务状况
我所了解的加拿大皇家银行 (Royal Bank of Canada)
黄若昆
(清华大学经济管理学院北京 100084)
摘要：本文通过与中国国内商业银行的对比介绍了加拿大皇家银行所提供的金融产品与服务、业务特点、组织结构以及财务状况。通过对财务报表的分析初步评估了金融危机对加拿大皇家银行产生的一系列影响。关键词：加拿大皇家银行商业银行金融危机
Corporate Banking Banking
Investment
Investment
Investment
Insurance
Insurance
Insurance
Capital Market
表1
其中每项业务除了 Corporate Banking-Insurance
外，均在 Canada, US, International
本服务，以及信用贷款 (Loans) 、抵押 (Mortgages) 、租赁 (Leases) 、商业信用卡 (Credit Card
for small business) 、投资 (Investment) 等服务。投资服务主要投资于 GICs(Guaranteed Investment
Certificates) 和 RBC Asset
被称为 e-saving account. (4)
iii. Credit Card 信用卡服务是面对个人用户的一项重要服务。 RBC 提供 VISA 、
MASTERCARD 、AMERICAN EXPRESS 信用卡的服务。当然，这些信用卡根据服务计划的不同收取不同的年费。

常见银行英语词汇

常见银行英语词汇银行部门设置英文词汇Departments of Bank银行部门表Board of Directors董事会President行长Executive Office经理办公室Personnel Dept.人事部General Affairs Dept.总务部Co-ordination Planning Dept.综合计划部International Dept.国际业务部Overseas Branches Dept.海外部Foreign Exchange Dept.外汇资金部First Credit Dept.信贷一部Second Credit Dept.信贷二部Accounting Dept.财会部International Clearing Dept国际清算部Banking Dept.营业部Credit Card Dept.信用卡部General Auditing Dept.总稽核室Computer Center电脑部Training Management Dept.教育部Institute of International Finance 国际金融研究所Trust and Consultation Co.信托咨询公司account number 帐号to deposit 存款depositor 存户pay-in slip 存款单a deposit form 存款单a banding machine 自动存取机deposit receipt 存款收据private deposits 私人存款certificate of deposit 存单deposit book, passbook 存折credit card 信用卡principal 本金overdraft, overdraw 透支to counter sign 双签to endorse 背书endorser 背书人to cash 兑现to honor a cheque 兑付to dishonor a cheque 拒付to suspend payment 止付cheque,check 支票cheque book 支票本order cheque 记名支票bearer cheque 不记名支票crossed cheque 横线支票blank cheque 空白支票rubber cheque 空头支票cheque stub, counterfoil 票根cash cheque 现金支票traveler's cheque 旅行支票cheque for transfer 转帐支票outstanding cheque 未付支票canceled cheque 已付支票forged cheque 伪支票Bandar's note 庄票，银票banker 银行家president 行长savings bank 储蓄银行Chase Bank 大通银行Citibank 花旗银行Hongkong Shanghai Banking Corporation 汇丰银行Chartered Bank of India, Australia and China 麦加利银行Banque de I'IndoChine 东方汇理银行central bank, national bank, banker's bank 中央银行bank of issue, bank of circulation 发行币银行commercial bank 商业银行，储蓄信贷银行member bank, credit bank 储蓄信贷银行discount bank 贴现银行exchange bank 汇兑银行requesting bank 委托开证银行issuing bank, opening bank 开证银行advising bank, notifying bank 通知银行negotiation bank 议付银行confirming bank 保兑银行paying bank 付款银行associate banker of collection 代收银行consigned banker of collection 委托银行clearing bank 清算银行local bank 本地银行domestic bank 国内银行overseas bank 国外银行unincorporated bank 钱庄branch bank 银行分行trustee savings bank 信托储蓄银行trust company 信托公司financial trust 金融信托公司unit trust 信托投资公司trust institution 银行的信托部credit department 银行的信用部commercial credit company(discount company) 商业信贷公司（贴现公司）neighborhood savings bank, bank of deposit 街道储蓄所credit union 合作银行credit bureau 商业兴信所self-service bank 无人银行land bank 土地银行construction bank 建设银行industrial and commercial bank 工商银行bank of communications 交通银行mutual savings bank 互助储蓄银行post office savings bank 邮局储蓄银行mortgage bank, building society 抵押银行industrial bank 实业银行home loan bank 家宅贷款银行reserve bank 准备银行chartered bank 特许银行corresponding bank 往来银行merchant bank, accepting bank 承兑银行investment bank 投资银行import and export bank (EXIMBANK) 进出口银行joint venture bank 合资银行money shop, native bank 钱庄credit cooperatives 信用社clearing house 票据交换所public accounting 公共会计business accounting 商业会计cost accounting 成本会计depreciation accounting 折旧会计computerized accounting 电脑化会计general ledger 总帐subsidiary ledger 分户帐cash book 现金出纳帐cash account 现金帐journal, day-book 日记帐，流水帐bad debts 坏帐investment 投资surplus 结余idle capital 游资economic cycle 经济周期economic boom 经济繁荣economic recession 经济衰退economic depression 经济萧条economic crisis 经济危机economic recovery 经济复苏inflation 通货膨胀deflation 通货收缩devaluation 货币贬值revaluation 货币增值international balance of payment 国际收支favourable balance 顺差adverse balance 逆差hard currency 硬通货soft currency 软通货international monetary system 国际货币制度the purchasing power of money 货币购买力money in circulation 货币流通量note issue 纸币发行量national budget 国家预算national gross product 国民生产总值public bond 公债stock, share 股票debenture 债券treasury bill 国库券debt chain 债务链direct exchange 直接（对角）套汇indirect exchange 间接（三角）套汇cross rate, arbitrage rate 套汇汇率foreign currency (exchange) reserve 外汇储备foreign exchange fluctuation 外汇波动foreign exchange crisis 外汇危机discount 贴现discount rate, bank rate 贴现率gold reserve 黄金储备money (financial) market 金融市场stock exchange 股票交易所broker 经纪人commission 佣金bookkeeping 簿记bookkeeper 簿记员an application form 申请单bank statement 对帐单letter of credit 信用证strong room, vault 保险库equitable tax system 等价税则specimen signature 签字式样banking hours, business hours 营业时间。

企业网银激活流程

企业网银激活流程1.登陆企业网银系统。

Log in to the corporate online banking system.2.点击“激活”按钮。

Click on the "Activate" button.3.输入企业的基本信息。

Enter the basic information of the company.4.确认需要激活的银行账号。

Confirm the bank account that needs to be activated. 5.输入并确认验证码。

Enter and confirm the verification code.6.阅读并同意网银服务协议。

Read and agree to the online banking service agreement.7.确认企业授权书的信息。

Confirm the information on the company's authorization letter.8.输入企业的营业执照号码。

Enter the company's business license number.9.输入企业的税务登记号码。

Enter the company's tax registration number.10.输入企业的组织机构代码证号码。

Enter the company's organization code certificate number.11.提交激活申请。

Submit the activation application.12.等待系统审核。

Await system review.13.等待银行处理。

Wait for the bank to process the activation.14.等待短信通知激活成功。

Wait for the SMS notification of successful activation.15.设置激活的账号的操作权限。

BankOfAmerica美国银行

Bank Of America2002年8月，美国第一大银行美国美洲银行(Bank-America Corporation ，全称是美洲国民信托储蓄银行，简称"美洲银行")将其在中国大陆注册的中文名"美国美洲银行"正式更改为"美国银行"。

从此该行在全球统一使用这一中文名。

同时，该行的法律地位及其英文名字保持不变。

美国银行解释其原因时称，美国银行1981年在北京开设第一个代表处时，由于当时担心公众可能会误认"美国银行"为美国中央银行，因此使用了"美国美洲银行"这一中文名字。

现在改回"美国银行"不再会有歧义。

美洲银行公司是加利福尼亚财团控制的一家单一银行持股公司。

创建于1968年10月7日。

总部设在旧金山。

1969年4月1日，美洲银行成为美洲银行公司的附属机构，全部股权为该公司所控制。

美洲银行前身是1904年由意大利移民创立的意大利银行。

初期主要经营太平洋沿岸各州意大利移民的存放款业务，以后逐渐吸收中下阶层的存款，并对中小企业提供抵押贷款和发放消费信贷，业务迅速发展。

20世纪20年代，意大利银行就已成为美国西部最大的银行。

1927年3月1日，该行以意大利国民信托储蓄银行名义取得国民银行执照。

1929年与加利福尼亚美洲银行合并，改名美洲国民信托储蓄银行。

两行合并后实力进一步扩大。

第二次世界大战期间，加利福尼亚州是美国重美国银行总部要的军火生产中心，战争给美洲银行带来了巨额利润。

战后，加利福尼亚州成为飞机、导弹、火箭和宇宙空间军火工业的主要生产基地，为美洲银行的金融活动提供了极其有利的条件，加速了该行的扩张。

为加强竞争，美洲银行积极从服务地区和市场多样化方面开拓业务，吸收国内外存款，并大力向国外扩张，资产进一步扩大。

该行所拥有的资产和存款，长期来在美国商业银行中均占第一位，直到1980年才被花旗银行超过，退居第二位。

我所了解的加拿大皇家银行(RoyalBankofCanada)

和国内在线银行的跨行转账功能比起来， Interac 汇款的优点是到帐迅速、平台兼容性好（许多加拿大银行都有这个功能），保密安全性好（有事先约定的
暗号）。
ii. Saving Accounts
Saving Accounts 是指支付利息的账户。需要支付手续费的，但是用来向商户交易或者取现是需要收费的。这种储蓄账户
从表中可以看出，较高级的账户收取超过 $10/ 月的服务费，服务的差别主要
集中在支票数量、网上银行服务限额、超限费方面。比较国内而言，售方面市场区分较细，针对需求不同的客户分别创造出了不同的产品。
RBC 在零
值得注意的是，加拿大的众多银行退出了一种名为
Interac Email Money
Transfer 的在线银行 (Online Banking) 服务。这种服务的受众非常广，所有帐户均能够享受。但是，每一笔 Interac 汇款将被收取 $1.50 ，除非客户订制的特定的产品包内包括了免费的 Interac 汇款。 (3)
回顾与风险政策委员会 (Conduct review and Risk policy Committee)
、公司管理与公共政策
委员会 (Corporate Governance and Public Policy Committee) 、人力资源委员会 (Human
Resource Committee) 。 (7) 银行下设五个部门 (Business Segment)
A banking account that offers the freedom of unlimited transactions for one low monthly fee with no surprises.

德意志银行介绍金融

Equities Division
Human Capital Management Division
Investment Banking Division
Management Committee
Executive Office
Merchant Banking Division
Legal, Compliance and Management Controls Division
Equities Division
Human Capital Management Division
Investment Banking Division
Management Committee
Executive Office
Merchant Banking Division
Legal, Compliance and Management Controls Division
Infrastructure
Group Technologies and Operations Finance Legal, Risk and Capital Human Resources In‐House Consulting
Who succeeds at a Tier 1 Bank?
For such a diverse range of roles we require a diverse range of people. In general, you will need to be…
World Stock Markets
USA London Euronext Deutsche Borse Tokyo
Derivatives
What is a Derivative? “a financial instrument whose value depends upon the performance of some other financial instrument” Example Derivatives Futures Options/Warrants Contracts for difference (CFDs) Swaps

金融专业英语名词

Financial MarketsFinancial market金融市场: A financial market is a market in which people and entities can trade financial securities, commodities and other fungible items of value at low transaction costs and at prices that reflects supply and demand.International financial market国际金融市场: A financial market that involves participants all over the world.(查不到自己编的，请慎重考虑)Direct financing直接融资: An investor purchases the securities issued by ultimate borrowers (i.e. without intermediaries).Indirect financing间接融资: Indirect financing is where borrowers borrow funds from the financial market through indirect means, such as through a financial intermediary.Money market货币市场: Money market is a component of financial market for assets involved in short-term borrowing, lending, buying and selling with ORIGINAL maturities of one year or less. Capital market资本市场: Capital market provides for the buying and selling of long-term(over 1 year) debts or equity-backed securities.Foreign exchange market (or currency market)外汇市场: Foreign exchange market deals with the exchanges of different means of payment.Primary market一级市场: A primary market is a market in which new issues of a security (like a bond or a stock), are sold to initial buyers by the corporation or government agency borrowing the funds.Secondary market二级市场: A secondary market is where is where the sale of previously issued securities takes place.Exchange market交易所市场: It is a highly organized market where tradable securities, commodities, foreign exchanges, futures and option contracts are sold and bought.OTC market柜台市场: over-the-counter market. A decentralized market of securities not listed on an exchange where market participants trade over the telephone, facsimile or electronic network instead of a physical trading floor.Technical analysis技术分析: It is the art of deducing probable future trend from historical records of stock trading. (the study of the stock market itself rather than external factors) Fundamental analysis基本面分析或基础分析: It examines all relevant factors affecting the stock price in order to determine an intrinsic value for that stock.The top-down approach or Economy-Industry-Company(EIC) model自上而下法:1)select a country which could offer the investors better returns from other economies;2)select promising industries and companies in this country.The bottom-up or stock picking approach自下而上法: It is to find undervalued stocks regardless of the market and industry factors.Capital MarketBond债券: Bonds are securities that represent a debt owed by the issuer to the investor. They obligate the issuer to pay a specified amount at a given date.Government notes and bonds(Treasury bonds)国库券: They are issued to finance the national debt. Difference: notes have a original maturity of 1year to 10 years while bonds have a original maturity of 10-30 years. Note that they are free of default risk.Corporate bonds公司债券: Large corporations issue bonds in order to borrow funds for long periods of time. The bond indenture is a contract that states the lender’s rights and privileges andthe the borrower’s obligations.Stock股票: Shares of stock in the firm represent ownership.Outstanding stock流通股: The shares of a corporation’s stock that have been issued and are in the hands of the public.Mortgage loan抵押贷款: A mortgage loan is a loan secured by real property.Foreign Exchange MarketExchange rate汇率: The ratio of two different currencies.Bills of exchange票据: They are financial documents that require the individual or business that is addressed in the document to pay a specified amount of money on a date that is cited in the document.Demand draft即期汇票: It is a check created by a merchant with a buyer’s checking account number on it, but without the buyer’s original signature.Bankers draft银行汇票: It is a check where the funds are taken directly from financial institutions rather than the individual drawer’s account.Foreign bond外国债务: A bond issued in a domestic market by a foreign entity, in the domestic market’s currency.Dividend check股利支票: A share of profits in the form of checks received by a stockholder. （查不到自己编的，请慎重考虑）Pension check养老金支票: A sum of money in the form of checks paid regularly as a retirement benefit or by way of patronage.(查不到自己编的，请慎重考虑。

银行常用语中英文对照

中国民生银行新街口支行China Minsheng Banking. Cop., LTD网银体验区E-Banking Experience Zone暂停服务，请稍后Out of Service, Please Wait自动存取款机Automatic Withdraw/Deposit Machine请刷卡Please Swipe Card营业时间Business Hour对公For Corporate储蓄Saving24小时自助服务24 Hour Self Service中国银行Bank of China 新街口对公业务CORPRATE BANKING （拼写错误）节假日不办理Public Holiday Closed个人业务PRIV ATE BANKING节假日营业时间Public Holiday Opening Hours理财服务Wealth Management私人金融业务Personal Banking领取汇票To draw the draft here汇兑EXCHANGE & TRANSFER印鉴挂失Report of lost seal密码挂失Report of lost password存款证明Certificate of Deposit10元/笔/份/张RMB 10 per item退汇Refunding挂失止付（汇票）Loss reporting and payment stopping (draft) 存入收款人现汇账户Credit the payee’s amount of spot exchange 代售Agency sale买汇Exchange purchase光票托收Clean collection现钞托收Banknote collection退票Dishonor年费Annual Fee工本费（包括开卡和补发）Service Charge ( card issue and replacement)个人人民币汇款（现金）Personal RMB remittance ( CASH )人民币对公结算The Corporate settlement of RMB外币对公结算The Corporate settlement of Foreign Exchanges银行卡服务业务The custom service of bank card服务星级SERVICE LEVEL您对本次服务的评价PLEASE LEA VE YOUR V ALUABLE OPINIONS满意SATISFACTORY基本满意A VERAGE不满意DISSATISFIED代保管业务SAFE DEPOSIT DEPT.货币兑换EXCHANGE24小时自助服务24 hour self-service banking理财Wealth Management兑换机EXCHANGE MACHINE自动取款机AUTOMA TIC TELLER MACHINE请将银行卡正确插入插卡处Insert your card into the slot correctly输入正确密码（请注意安全防止他人窃取）Input your correct password (watch out to avoid being peeped)按屏幕提示进行转账、存折补登、代缴费、查询业务Make transfer, entry account to passbook, payment, and query according to the direction on the screen.出门请按钮（一按即放）PLEASE PRESS THE BUTTON ( PRESS THEN REALASE)灭火器箱FIRE EXTINGGUISHER BOX东亚银行The Bank of East Asia（China）Ltd. 新街口24小时自助服务24 Hour Banking Services南京分行Nanjing branch营业时间Banking Hour投诉箱Complain Box小心地滑Slippery Floor请在此排队Please Queue Here个人理财服务Personal Financial Services企业银行服务Corporate Banking企业及银团贷款部Corporate Lending and Syndication Department 房地产贷款部Property Lending Department贸易融资部Trade Finance Department柜台服务Counter Services小心地滑CAUTION WET FLOOR交通银行Bank of Communications 新街口24小时自助服务24 Self Service Banking进门请刷卡，无需输密码Please Insert Your Card For Entry营业时间Business Hour星期六、日休息Closed on Saturday and Sunday储蓄时间Business Hours for Savings Deposits存取款一体机Cash Recycling Machine金融快线BOCOM EXPRESS自动终端Multimedia Self Banking现金服务Cash-related Services对公服务Corporate Banking交行理财BOCOM Fortune交通银行湖南路对私服务Private Banking理财服务Financing Service外汇兑换Foreign Exchange注意自动门Caution Automatic Door中国建设银行China Construction Bank 新街口外汇储蓄营业点Foreign Currency Deposit Taking Office24小时自助服务24 Hour Self Banking中山路支行Zhongshan Road Sub-branch对公服务Corporate Banking节假日不办理Public Holiday Close个人业务Private Banking周一至周五Monday to Friday节假日营业时间Public Holiday Operate Hours个人理财中心Personal Finance Center现役军人优先Servicemen Priority大堂经理Lobby Leader客户服务电话Customer Service Hotline残疾人优先窗口Particular Counter for the Disabled个人业务顾问Personal Banker叫号机Queuing Machine存款机Cash Deposit Machine自动门Automatic江苏银行Bank of Jiangsu总行营业部Headquarters Business Dept.广东发展银行玄武支行Guangdong Development Bank对公业务CORPORAT SERVICE 拼写错误储蓄业务PRIV ATE SERVICE营业时间BUSINESS HOURS24小时自助服务24 HOURS SELF-SERVICE银行提示REMINDER请妥善保管银行卡和密码Please Safeguard Your Bank Cards and PIN 安全提示Safety Hints个人服务Personal Banking对公服务Corporate BankingVIP服务VIP Banking等候区Waiting Area上海浦东发展银行Shanghai Pudong Development Bank 新街口对公业务Corporate Banking个人业务Personal Banking营业时间Business Hour理财经理Financial Planner叫号机Cueing Machine24小时自助服务Self Service Banking现金业务Teller Counter公司业务Corporate Account等待区Waiting Area理财专区Wealth Management Service自助银行Self-service Banking大堂经理Duty Manager中国工商银行Industrial and Commercial Bank of China长江路支行自助服务银行Self-service Banking大堂经理CLIENT MANEGER现金服务CASH SERVICE华夏银行Huaxia Bank 新街口对公业务Wholesale Banking Service对私业务Retail Banking Service等待区Waiting Areas保管箱Safe Deposit Box自助银行区Self-service Areas储蓄*出纳Savings出纳Cash涉外服务For Foreigners保管箱Safe keeping box收费项目Items开卡工本费Administrative charge for card activation补卡工本费Administrative charge for card replacement卡挂失手续费Administrative charge for card loss reporting.免费Free of charge每笔十元The charge is 10 yuan per transaction外汇业务Foreign Exchange Business汇入/汇出汇款Inward/Outward Remittance多币种汇款Multiple currency remittance电子邮件通知Email Notification强行改密（密码挂失）Overriding change of password ( loss of password) 异地柜台存款Exterritorial counter deposit取款Withdrawal卡卡转账Card-Card Transfer跨行取款Inter-bank withdrawal跨行查询Inter-bank enquiry退汇Rejected Remittance止付Payment termination自动取款机Self-Drawing自动存款机Self-Saving服务流程图Service Flow Chart华夏银行湖南路营业时间Opening Time节假日不营业Weekend/Holiday Closed渣打银行Standard Charted Bank 新街口业务办理时间Banking Hours理财咨询时间Financial Consultancy Hours投诉热线Complaint Hotline电话银行服务Phone Bank Service中国邮政储蓄China Postal Savings 浮桥外币储蓄点Foreign Deposit Service Available意见箱Suggestion Box业务办理Postal Service深圳发展银行Shenzhen Development Bank 新街口自动查询缴费机Automatic Inquiry Payment Machine 营业时间Business Hours存取款一体机CRS大堂经理Lobby Manage填单处Form Filling Area业务咨询处Information个人柜台Personal Banking Counter本行网址Bank Web Address网点咨询电话Network Information非本行人员莫入Only Stuff自动取款机操作指引A TM Operational Guide服务热线Service Line存取款机操作指引CRS Operation Guide招商银行China Merchants Bank营业时间Business Hours个人营业时间Personal Business Hours对公营业时间Corporate Business Hours节假日照常营业Holiday Business as Usual自助服务区Self Service Area监督Oversight理财中心Premier Customers投诉Complaints全国统一客户服务电话China Client Service Telephone 综合业务Integrated Services代发业务Salary Release Service现金快速通道Fast Track Deposit and Withdrawal接待区Reception理财服务区Financial Services个人贷款业务咨询Personal Loan Business Consultant 会计结算Accounting Settlement个人理财专柜Wealth Management Area一卡通金卡业务All-in-one-card gold card service.储蓄专柜Cashier Service因您而变We are here just for you光大银行China Everbright Bank 新街口营业时间Customer Service个人业务Retail Service出纳Cashier会计结算Accounting理财缴费机Self Help Machine for Paying Bill现金存取款机Cash Deposit & Drawing Machine现金取款机Cash Drawing Machine多媒体查询机Multi-media Checking Machine取款机操作提示Note for ATM Operation南京银行Bank of Nanjing 新街口综合业务General Services私人业务Personal Banking公司业务Corporate Banking国际业务International Banking大堂经理Reception Manager现金取款机Cash Drawing Machine现金存取款机Cash Deposit & Drawing Machine自助服务终端Self-help Service Terminal操作说明Operating Instruction中信银行China Citic Bank 湖南路营业时间Business Time储蓄时间Deposit Time大堂经理HALL MANAGER对公业务Corporating Banking Business对私业务Retail Banking Business现金结算Cash Settlement24小时服务热线24 Hour Hotline紧急按钮Emergency Button中国农业银行Agricultural Bank of China 湖南路现金服务区Cash Service自助服务区Self-Service Area客户等候区Customer Waiting Area咨询引导区Consulting Area保管箱Lock Box24小时自助服务24 Hours Banking自助服务终端Self-service Terminal操作指南Operation Instructions插卡Insert card输入密码Key in PIN查询Inquiry转账Account Transfer改密Modify PIN挂失Reporting a loss理财卡Wealth Management Card查询子帐户Inquiry Subaccount通知存款Call Deposit外汇查询Foreign Exchange Inquiry市价交易Market price transaction委托Request银证Banxecurity第三方存款The third partysafe keeping银期转账Bank-option account transfer银行转期货Bank-to-futures查期方余额Inquiry the balance of the future输入账号、密码Input account number, password代缴费Charging service as agents存折补登The passbook renewed交易结束Transaction end退出、取卡或存折Exit, take card or passbook无卡存折Non-card deposit核对户名Check Username放入现金Put in Banknote核对张数、金额Check up number of sheets, account确认存款Confirm the deposit活期存折Demand account for passbook活期/定期Demand account/Time account自动存取款机Automatic Deposit and Withdrawal Machine自动取款机Automatic Teller Machine自助服务终端使用说明User’s guides for Self-service Terminal百度文库- 让每个人平等地提升自我本机只受理农行金穗系列卡和存折等业务Kin card series and passbook of Agriculture Bank of China only本机不能办理存取款业务Non-cash Business客户热线Custom Service Hot-line本机可受理加入“银联”的其他银联卡This machine can handle any “union pay” card请妥善保管好银行卡和密码，在使用时请用时候身体挡住他人视线，谨防他人窥视您的密码Please take of your bank card and PIN, guide against others peeping your PIN while using the card 每次取款上限2000元，每日累计最多取款十次，每日累计取款限额20000元Ceiling of 2000 yuan per withdrawal, with 10 times at most, for amount of 20000 limit per day存款现钞面额仅限100元Deposit domination: 100 yuan only请不要将残币、不平整的钞票或其他异物放入本机Please do not put the damaged, untidy banknotes or things other banknotes into this machine.如遇机器吞卡，请于次日持本人有效证件到营业厅柜台领取In case of card-swallowing, please go to the business hall with your own identity documents to take back your card the next day恒丰银行Evergrowing Bank湖南路中国人寿保险股份有限公司China Life Insurance Company Limited11。

2、金融行业概况——Corp Banking

金融行业概况-Corporate Banking一、什么是企业银行Corporate Baking1、定义：Corporate Banking(又称法人金融或公司金融)是Wholesales属性，是针对公司，要服务365行商业银行(Commercial bank)为传统银行，包含Corp. bk. & Consumer bk.，但不含IB(Investment Banking)。

2、分工⑴Commercial banking的Trade sales=>主要是传统银行进出口贸易相关业务；⑵Corporate banking的RM=>除了提供传统银行相关业务，并还包含IB业务(Corp.finance)。

3、代表性银行举例⑴大银行，如：花旗(CITI)、汇丰(HSBC)、渣打(SCB)、荷兰(ABN)…有做Corp. bk. & Consumer bk.；⑵中型银行，如：法国巴黎银行(BNP)、德意志(DB)、摩根大通(J.P.Morgan)、美国银(BOA)…以Corp. bk & IB为主。

二、组织分工及产品1、Sales端：⑴即RM(Relationship Manager)：销售Corp. bk.所有product，buy side为一般公司财务部主管。

⑵RM按行业分✓Large Corp. (LC) RM: 负责本地大型产业如：上市公司，会销售到IB产品；✓Stated own Enterprises(SOE) RM: 负责国有企业，会销售到IB产品；✓Multinational (MNC) RM: 负责跨国公司，不会销售到IB产品；✓Financial Institution(FI) RM: 负责金融行业(大银行又分为：银行同业、非银行金融机构NonBankFI。

前者FI RM偏向销售correspondence业务；后者NBFI RM工作内容较丰富多元，会销售到IB产品)；✓Small & Medium Enterprises(SME) sales: 负责本地中小企业，SME客户要求的服务大多是trade，会销售到一些investment产品；SME Sales下一步很适合做PB Sales(因已积累中小企业主客户基础)；注：一般只有大型企业银行才会将RM如此细分，中小型银行RM会同时负责几个行业。

银行分类及业务的英语介绍及场景(introduce_of_banks)

● Commercial Package
On-line Banking
● Overseas Branches ● Security Deposit Ledger
for Processing Trade
Global Services ● Featured Product
ห้องสมุดไป่ตู้
L: Oh , I see .can you introduce
L: No doubt that BOC is the first
largest commercial bank in China.
X: Oh, well, there is still a long
way for us to go.
X: Frankly, I’m proud of our bank
and I’m proud of my job although I always feel tired after work as there’s so much work to do all day! What’s more , I’ve learned so much things since I work in BOC.
● Investment and
Financing ● Convenient Banking ● Personal Loan ● Deposit ● Personal E-banking
Business
On-line Banking ● Private Banking
Global Services
● Corporate Deposit
Personal Services
● Loan Financing ● Financing Lease

工行企业网银使用流程

工行企业网银使用流程英文回答：Industrial and Commercial Bank of China (ICBC) offers a convenient and secure online banking service for businesses known as ICBC Corporate Internet Banking. This service allows businesses to manage their finances, make transactions, and access various banking services online. Here is a step-by-step guide on how to use ICBC Corporate Internet Banking:1. Registration: To get started, you need to register for ICBC Corporate Internet Banking. You can visit the ICBC website or go to your nearest ICBC branch to complete the registration process. You will be required to provide necessary documents and information to verify your identity and business details.2. Login: Once you have registered, you can log in to your ICBC Corporate Internet Banking account using yourlogin credentials. These credentials usually include a username and password, which you should keep confidential to ensure the security of your account.3. Account Overview: After logging in, you will be able to see an overview of your business accounts, including balances, transaction history, and other relevant information. This allows you to have a quick glance at your financial status.4. Fund Transfers: ICBC Corporate Internet Banking allows you to make fund transfers between your own accounts or to other ICBC accounts. You can easily initiate transfers, specify the amount, and provide necessarydetails such as the recipient's account number and name.5. Bill Payments: With ICBC Corporate Internet Banking, you can conveniently pay your bills online. You can add payees, such as utility companies or suppliers, and schedule recurring payments or one-time payments. This saves you time and effort as you don't have to visit physical locations or write checks.6. Trade Services: ICBC Corporate Internet Banking also provides various trade services for businesses engaged in international trade. These services include letter of credit, trade financing, and foreign exchange transactions. You can easily initiate and manage these transactions online, streamlining your trade operations.7. Security Measures: ICBC Corporate Internet Banking prioritizes the security of your account. It uses advanced encryption technology and multi-factor authentication to ensure the confidentiality and integrity of your transactions. It is recommended to regularly update your password and enable additional security features such as SMS verification.中文回答：中国工商银行（ICBC）为企业提供了一种便捷安全的在线银行服务，称为ICBC企业网银。

银行英语 Bank English (2)

中国民生银行新街口支行China Minsheng Banking. Cop., LTD网银体验区E-Banking Experience Zone暂停服务，请稍后Out of Service, Please Wait自动存取款机Automatic Withdraw/Deposit Machine请刷卡Please Swipe Card营业时间Business Hour对公For Corporate储蓄Saving24小时自助服务24 Hour Self Service中国银行Bank of China 新街口对公业务CORPRATE BANKING （拼写错误）节假日不办理Public Holiday Closed个人业务PRIV ATE BANKING节假日营业时间Public Holiday Opening Hours理财服务Wealth Management私人金融业务Personal Banking领取汇票To draw the draft here汇兑EXCHANGE & TRANSFER印鉴挂失Report of lost seal密码挂失Report of lost password存款证明Certificate of Deposit10元/笔/份/张RMB 10 per item退汇Refunding挂失止付（汇票）Loss reporting and payment stopping (draft) 存入收款人现汇账户Credit the payee’s amount of spot exchange 代售Agency sale买汇Exchange purchase光票托收Clean collection现钞托收Banknote collection退票Dishonor年费Annual Fee工本费（包括开卡和补发）Service Charge ( card issue and replacement)个人人民币汇款（现金）Personal RMB remittance ( CASH )人民币对公结算The Corporate settlement of RMB外币对公结算The Corporate settlement of Foreign Exchanges银行卡服务业务The custom service of bank card服务星级SERVICE LEVEL您对本次服务的评价PLEASE LEA VE YOUR V ALUABLE OPINIONS满意SATISFACTORY基本满意A VERAGE不满意DISSATISFIED代保管业务SAFE DEPOSIT DEPT.货币兑换EXCHANGE24小时自助服务24 hour self-service banking理财Wealth Management兑换机EXCHANGE MACHINE自动取款机AUTOMA TIC TELLER MACHINE请将银行卡正确插入插卡处Insert your card into the slot correctly输入正确密码（请注意安全防止他人窃取）Input your correct password (watch out to avoid being peeped)按屏幕提示进行转账、存折补登、代缴费、查询业务Make transfer, entry account to passbook, payment, and query according to the direction on the screen.出门请按钮（一按即放）PLEASE PRESS THE BUTTON ( PRESS THEN REALASE)灭火器箱FIRE EXTINGGUISHER BOX中国建设银行China Construction Bank 新街口外汇储蓄营业点Foreign Currency Deposit Taking Office24小时自助服务24 Hour Self Banking中山路支行Zhongshan Road Sub-branch对公服务Corporate Banking节假日不办理Public Holiday Close个人业务Private Banking周一至周五Monday to Friday节假日营业时间Public Holiday Operate Hours个人理财中心Personal Finance Center现役军人优先Servicemen Priority大堂经理Lobby Leader客户服务电话Customer Service Hotline残疾人优先窗口Particular Counter for the Disabled个人业务顾问Personal Banker叫号机Queuing Machine存款机Cash Deposit Machine自动门Automatic江苏银行Bank of Jiangsu总行营业部Headquarters Business Dept.广东发展银行玄武支行Guangdong Development Bank对公业务CORPORAT SERVICE 拼写错误储蓄业务PRIV ATE SERVICE营业时间BUSINESS HOURS24小时自助服务24 HOURS SELF-SERVICE银行提示REMINDER请妥善保管银行卡和密码Please Safeguard Your Bank Cards and PIN 安全提示Safety Hints个人服务Personal Banking对公服务Corporate BankingVIP服务VIP Banking等候区Waiting Area上海浦东发展银行Shanghai Pudong Development Bank 新街口对公业务Corporate Banking个人业务Personal Banking营业时间Business Hour理财经理Financial Planner叫号机Cueing Machine24小时自助服务Self Service Banking现金业务Teller Counter公司业务Corporate Account等待区Waiting Area理财专区Wealth Management Service自助银行Self-service Banking大堂经理Duty Manager中国工商银行Industrial and Commercial Bank of China长江路支行自助服务银行Self-service Banking大堂经理CLIENT MANEGER现金服务CASH SERVICE华夏银行Huaxia Bank 新街口对公业务Wholesale Banking Service对私业务Retail Banking Service等待区Waiting Areas保管箱Safe Deposit Box自助银行区Self-service Areas储蓄*出纳Savings出纳Cash涉外服务For Foreigners保管箱Safe keeping box收费项目Items开卡工本费Administrative charge for card activation补卡工本费Administrative charge for card replacement卡挂失手续费Administrative charge for card loss reporting.免费Free of charge每笔十元The charge is 10 yuan per transaction外汇业务Foreign Exchange Business汇入/汇出汇款Inward/Outward Remittance多币种汇款Multiple currency remittance电子邮件通知Email Notification强行改密（密码挂失）Overriding change of password ( loss of password) 异地柜台存款Exterritorial counter deposit取款Withdrawal卡卡转账Card-Card Transfer跨行取款Inter-bank withdrawal跨行查询Inter-bank enquiry退汇Rejected Remittance止付Payment termination自动取款机Self-Drawing自动存款机Self-Saving服务流程图Service Flow Chart华夏银行湖南路营业时间Opening Time节假日不营业Weekend/Holiday Closed渣打银行Standard Charted Bank 新街口业务办理时间Banking Hours理财咨询时间Financial Consultancy Hours投诉热线Complaint Hotline电话银行服务Phone Bank Service中国邮政储蓄China Postal Savings 浮桥外币储蓄点Foreign Deposit Service Available意见箱Suggestion Box业务办理Postal Service深圳发展银行Shenzhen Development Bank 新街口自动查询缴费机Automatic Inquiry Payment Machine 营业时间Business Hours存取款一体机CRS大堂经理Lobby Manage填单处Form Filling Area业务咨询处Information个人柜台Personal Banking Counter本行网址Bank Web Address网点咨询电话Network Information非本行人员莫入Only Stuff自动取款机操作指引A TM Operational Guide服务热线Service Line存取款机操作指引CRS Operation Guide招商银行China Merchants Bank营业时间Business Hours个人营业时间Personal Business Hours对公营业时间Corporate Business Hours节假日照常营业Holiday Business as Usual自助服务区Self Service Area监督Oversight理财中心Premier Customers投诉Complaints全国统一客户服务电话China Client Service Telephone 综合业务Integrated Services代发业务Salary Release Service现金快速通道Fast Track Deposit and Withdrawal接待区Reception理财服务区Financial Services个人贷款业务咨询Personal Loan Business Consultant 会计结算Accounting Settlement个人理财专柜Wealth Management Area一卡通金卡业务All-in-one-card gold card service.储蓄专柜Cashier Service因您而变We are here just for you光大银行China Everbright Bank 新街口营业时间Customer Service个人业务Retail Service出纳Cashier会计结算Accounting理财缴费机Self Help Machine for Paying Bill现金存取款机Cash Deposit & Drawing Machine现金取款机Cash Drawing Machine多媒体查询机Multi-media Checking Machine取款机操作提示Note for ATM Operation南京银行Bank of Nanjing 新街口综合业务General Services私人业务Personal Banking公司业务Corporate Banking国际业务International Banking大堂经理Reception Manager现金取款机Cash Drawing Machine现金存取款机Cash Deposit & Drawing Machine自助服务终端Self-help Service Terminal操作说明Operating Instruction中信银行China Citic Bank 湖南路营业时间Business Time储蓄时间Deposit Time大堂经理HALL MANAGER对公业务Corporating Banking Business对私业务Retail Banking Business现金结算Cash Settlement24小时服务热线24 Hour Hotline紧急按钮Emergency Button中国农业银行Agricultural Bank of China 湖南路现金服务区Cash Service自助服务区Self-Service Area客户等候区Customer Waiting Area咨询引导区Consulting Area保管箱Lock Box24小时自助服务24 Hours Banking自助服务终端Self-service Terminal操作指南Operation Instructions插卡Insert card输入密码Key in PIN查询Inquiry转账Account Transfer改密Modify PIN挂失Reporting a loss理财卡Wealth Management Card查询子帐户Inquiry Subaccount通知存款Call Deposit外汇查询Foreign Exchange Inquiry市价交易Market price transaction委托Request银证Banxecurity第三方存款The third partysafe keeping银期转账Bank-option account transfer银行转期货Bank-to-futures查期方余额Inquiry the balance of the future输入账号、密码Input account number, password代缴费Charging service as agents存折补登The passbook renewed交易结束Transaction end退出、取卡或存折Exit, take card or passbook无卡存折Non-card deposit核对户名Check Username放入现金Put in Banknote核对张数、金额Check up number of sheets, account确认存款Confirm the deposit活期存折Demand account for passbook活期/定期Demand account/Time account自动存取款机Automatic Deposit and Withdrawal Machine自动取款机Automatic Teller Machine自助服务终端使用说明User’s guides for Self-service Terminal东亚银行The Bank of East Asia（China）Ltd. 新街口24小时自助服务24 Hour Banking Services南京分行Nanjing branch营业时间Banking Hour投诉箱Complain Box小心地滑Slippery Floor请在此排队Please Queue Here个人理财服务Personal Financial Services企业银行服务Corporate Banking企业及银团贷款部Corporate Lending and Syndication Department 房地产贷款部Property Lending Department贸易融资部Trade Finance Department柜台服务Counter Services小心地滑CAUTION WET FLOOR交通银行Bank of Communications 新街口24小时自助服务24 Self Service Banking进门请刷卡，无需输密码Please Insert Your Card For Entry营业时间Business Hour星期六、日休息Closed on Saturday and Sunday储蓄时间Business Hours for Savings Deposits存取款一体机Cash Recycling Machine金融快线BOCOM EXPRESS自动终端Multimedia Self Banking现金服务Cash-related Services对公服务Corporate Banking交行理财BOCOM Fortune交通银行湖南路对私服务Private Banking理财服务Financing Service外汇兑换Foreign Exchange注意自动门Caution Automatic Door中国建设银行China Construction Bank 新街口外汇储蓄营业点Foreign Currency Deposit Taking Office24小时自助服务24 Hour Self Banking中山路支行Zhongshan Road Sub-branch对公服务Corporate Banking节假日不办理Public Holiday Close个人业务Private Banking周一至周五Monday to Friday节假日营业时间Public Holiday Operate Hours个人理财中心Personal Finance Center现役军人优先Servicemen Priority大堂经理Lobby Leader客户服务电话Customer Service Hotline残疾人优先窗口Particular Counter for the Disabled个人业务顾问Personal Banker叫号机Queuing Machine存款机Cash Deposit Machine自动门Automatic江苏银行Bank of Jiangsu总行营业部Headquarters Business Dept.广东发展银行玄武支行Guangdong Development Bank对公业务CORPORAT SERVICE 拼写错误储蓄业务PRIV ATE SERVICE营业时间BUSINESS HOURS24小时自助服务24 HOURS SELF-SERVICE银行提示REMINDER请妥善保管银行卡和密码Please Safeguard Your Bank Cards and PIN 安全提示Safety Hints个人服务Personal Banking对公服务Corporate BankingVIP服务VIP Banking等候区Waiting Area上海浦东发展银行Shanghai Pudong Development Bank 新街口对公业务Corporate Banking个人业务Personal Banking营业时间Business Hour理财经理Financial Planner叫号机Cueing Machine24小时自助服务Self Service Banking现金业务Teller Counter公司业务Corporate Account等待区Waiting Area理财专区Wealth Management Service自助银行Self-service Banking大堂经理Duty Manager中国工商银行Industrial and Commercial Bank of China长江路支行自助服务银行Self-service Banking大堂经理CLIENT MANEGER现金服务CASH SERVICE华夏银行Huaxia Bank 新街口对公业务Wholesale Banking Service对私业务Retail Banking Service等待区Waiting Areas保管箱Safe Deposit Box自助银行区Self-service Areas储蓄*出纳Savings出纳Cash涉外服务For Foreigners保管箱Safe keeping box收费项目Items开卡工本费Administrative charge for card activation补卡工本费Administrative charge for card replacement卡挂失手续费Administrative charge for card loss reporting.免费Free of charge每笔十元The charge is 10 yuan per transaction外汇业务Foreign Exchange Business汇入/汇出汇款Inward/Outward Remittance多币种汇款Multiple currency remittance电子邮件通知Email Notification强行改密（密码挂失）Overriding change of password ( loss of password) 异地柜台存款Exterritorial counter deposit取款Withdrawal卡卡转账Card-Card Transfer跨行取款Inter-bank withdrawal跨行查询Inter-bank enquiry退汇Rejected Remittance止付Payment termination自动取款机Self-Drawing自动存款机Self-Saving服务流程图Service Flow Chart华夏银行湖南路营业时间Opening Time节假日不营业Weekend/Holiday Closed渣打银行Standard Charted Bank 新街口业务办理时间Banking Hours理财咨询时间Financial Consultancy Hours投诉热线Complaint Hotline电话银行服务Phone Bank Service中国邮政储蓄China Postal Savings 浮桥外币储蓄点Foreign Deposit Service Available意见箱Suggestion Box业务办理Postal Service深圳发展银行Shenzhen Development Bank 新街口自动查询缴费机Automatic Inquiry Payment Machine 营业时间Business Hours存取款一体机CRS大堂经理Lobby Manage填单处Form Filling Area业务咨询处Information个人柜台Personal Banking Counter本行网址Bank Web Address网点咨询电话Network Information非本行人员莫入Only Stuff自动取款机操作指引A TM Operational Guide服务热线Service Line存取款机操作指引CRS Operation Guide招商银行China Merchants Bank营业时间Business Hours个人营业时间Personal Business Hours对公营业时间Corporate Business Hours节假日照常营业Holiday Business as Usual自助服务区Self Service Area监督Oversight理财中心Premier Customers投诉Complaints全国统一客户服务电话China Client Service Telephone 综合业务Integrated Services代发业务Salary Release Service现金快速通道Fast Track Deposit and Withdrawal接待区Reception理财服务区Financial Services个人贷款业务咨询Personal Loan Business Consultant 会计结算Accounting Settlement个人理财专柜Wealth Management Area一卡通金卡业务All-in-one-card gold card service.储蓄专柜Cashier Service因您而变We are here just for you光大银行China Everbright Bank 新街口营业时间Customer Service个人业务Retail Service出纳Cashier会计结算Accounting理财缴费机Self Help Machine for Paying Bill现金存取款机Cash Deposit & Drawing Machine现金取款机Cash Drawing Machine多媒体查询机Multi-media Checking Machine取款机操作提示Note for ATM Operation南京银行Bank of Nanjing 新街口综合业务General Services私人业务Personal Banking公司业务Corporate Banking国际业务International Banking大堂经理Reception Manager现金取款机Cash Drawing Machine现金存取款机Cash Deposit & Drawing Machine自助服务终端Self-help Service Terminal操作说明Operating Instruction中信银行China Citic Bank 湖南路营业时间Business Time储蓄时间Deposit Time大堂经理HALL MANAGER对公业务Corporating Banking Business对私业务Retail Banking Business现金结算Cash Settlement24小时服务热线24 Hour Hotline紧急按钮Emergency Button中国农业银行Agricultural Bank of China 湖南路现金服务区Cash Service自助服务区Self-Service Area客户等候区Customer Waiting Area咨询引导区Consulting Area保管箱Lock Box24小时自助服务24 Hours Banking自助服务终端Self-service Terminal操作指南Operation Instructions插卡Insert card输入密码Key in PIN查询Inquiry转账Account Transfer改密Modify PIN挂失Reporting a loss理财卡Wealth Management Card查询子帐户Inquiry Subaccount通知存款Call Deposit外汇查询Foreign Exchange Inquiry市价交易Market price transaction委托Request银证Banxecurity第三方存款The third partysafe keeping银期转账Bank-option account transfer银行转期货Bank-to-futures查期方余额Inquiry the balance of the future输入账号、密码Input account number, password代缴费Charging service as agents存折补登The passbook renewed交易结束Transaction end退出、取卡或存折Exit, take card or passbook无卡存折Non-card deposit核对户名Check Username放入现金Put in Banknote核对张数、金额Check up number of sheets, account确认存款Confirm the deposit活期存折Demand account for passbook活期/定期Demand account/Time account自动存取款机Automatic Deposit and Withdrawal Machine自动取款机Automatic Teller Machine自助服务终端使用说明User’s guides for Self-service Terminal本机只受理农行金穗系列卡和存折等业务Kin card series and passbook of Agriculture Bank of China only本机不能办理存取款业务Non-cash Business客户热线Custom Service Hot-line本机可受理加入“银联”的其他银联卡This machine can handle any “union pay” card请妥善保管好银行卡和密码，在使用时请用时候身体挡住他人视线，谨防他人窥视您的密码Please take of your bank card and PIN, guide against others peeping your PIN while using the card 每次取款上限2000元，每日累计最多取款十次，每日累计取款限额20000元Ceiling of 2000 yuan per withdrawal, with 10 times at most, for amount of 20000 limit per day存款现钞面额仅限100元Deposit domination: 100 yuan only请不要将残币、不平整的钞票或其他异物放入本机Please do not put the damaged, untidy banknotes or things other banknotes into this machine.如遇机器吞卡，请于次日持本人有效证件到营业厅柜台领取In case of card-swallowing, please go to the business hall with your own identity documents to take back your card the next day恒丰银行Evergrowing Bank湖南路中国人寿保险股份有限公司China Life Insurance Company Limited建设银行China Construction Bank 新街口外汇储蓄营业点Foreign Currency Deposit Taking Office24小时自助服务24 Hour Self Banking中山路支行Zhongshan Road Sub-branch对公服务Corporate Banking节假日不办理Public Holiday Close个人业务Private Banking周一至周五Monday to Friday节假日营业时间Public Holiday Operate Hours个人理财中心Personal Finance Center现役军人优先Servicemen Priority大堂经理Lobby Leader客户服务电话Customer Service Hotline残疾人优先窗口Particular Counter for the Disabled个人业务顾问Personal Banker叫号机Queuing Machine存款机Cash Deposit Machine自动门Automatic江苏银行Bank of Jiangsu总行营业部Headquarters Business Dept.广东发展银行玄武支行Guangdong Development Bank对公业务CORPORAT SERVICE 拼写错误储蓄业务PRIV ATE SERVICE营业时间BUSINESS HOURS24小时自助服务24 HOURS SELF-SERVICE银行提示REMINDER请妥善保管银行卡和密码Please Safeguard Your Bank Cards and PIN 安全提示Safety Hints个人服务Personal Banking对公服务Corporate BankingVIP服务VIP Banking等候区Waiting Area上海浦东发展银行Shanghai Pudong Development Bank 新街口对公业务Corporate Banking个人业务Personal Banking营业时间Business Hour理财经理Financial Planner叫号机Cueing Machine24小时自助服务Self Service Banking现金业务Teller Counter公司业务Corporate Account等待区Waiting Area理财专区Wealth Management Service自助银行Self-service Banking大堂经理Duty Manager中国工商银行Industrial and Commercial Bank of China长江路支行自助服务银行Self-service Banking大堂经理CLIENT MANEGER现金服务CASH SERVICE华夏银行Huaxia Bank 新街口对公业务Wholesale Banking Service对私业务Retail Banking Service等待区Waiting Areas保管箱Safe Deposit Box自助银行区Self-service Areas储蓄*出纳Savings出纳Cash涉外服务For Foreigners保管箱Safe keeping box收费项目Items开卡工本费Administrative charge for card activation补卡工本费Administrative charge for card replacement卡挂失手续费Administrative charge for card loss reporting.免费Free of charge每笔十元The charge is 10 yuan per transaction外汇业务Foreign Exchange Business汇入/汇出汇款Inward/Outward Remittance多币种汇款Multiple currency remittance电子邮件通知Email Notification强行改密（密码挂失）Overriding change of password ( loss of password) 异地柜台存款Exterritorial counter deposit取款Withdrawal卡卡转账Card-Card Transfer跨行取款Inter-bank withdrawal跨行查询Inter-bank enquiry退汇Rejected Remittance止付Payment termination自动取款机Self-Drawing自动存款机Self-Saving服务流程图Service Flow Chart华夏银行湖南路营业时间Opening Time节假日不营业Weekend/Holiday Closed渣打银行Standard Charted Bank 新街口业务办理时间Banking Hours理财咨询时间Financial Consultancy Hours投诉热线Complaint Hotline电话银行服务Phone Bank Service中国邮政储蓄China Postal Savings 浮桥外币储蓄点Foreign Deposit Service Available意见箱Suggestion Box业务办理Postal Service深圳发展银行Shenzhen Development Bank 新街口自动查询缴费机Automatic Inquiry Payment Machine 营业时间Business Hours存取款一体机CRS大堂经理Lobby Manage填单处Form Filling Area业务咨询处Information个人柜台Personal Banking Counter本行网址Bank Web Address网点咨询电话Network Information非本行人员莫入Only Stuff自动取款机操作指引A TM Operational Guide服务热线Service Line存取款机操作指引CRS Operation Guide招商银行China Merchants Bank营业时间Business Hours个人营业时间Personal Business Hours对公营业时间Corporate Business Hours节假日照常营业Holiday Business as Usual自助服务区Self Service Area监督Oversight理财中心Premier Customers投诉Complaints全国统一客户服务电话China Client Service Telephone 综合业务Integrated Services代发业务Salary Release Service现金快速通道Fast Track Deposit and Withdrawal接待区Reception理财服务区Financial Services个人贷款业务咨询Personal Loan Business Consultant会计结算Accounting Settlement个人理财专柜Wealth Management Area一卡通金卡业务All-in-one-card gold card service. 储蓄专柜Cashier Service因您而变We are here just for you光大银行China Everbright Bank 新街口营业时间Customer Service个人业务Retail Service出纳Cashier会计结算Accounting理财缴费机Self Help Machine for Paying Bill现金存取款机Cash Deposit & Drawing Machine 现金取款机Cash Drawing Machine多媒体查询机Multi-media Checking Machine取款机操作提示Note for ATM Operation南京银行Bank of Nanjing 新街口综合业务General Services私人业务Personal Banking公司业务Corporate Banking国际业务International Banking大堂经理Reception Manager现金取款机Cash Drawing Machine现金存取款机Cash Deposit & Drawing Machine自助服务终端Self-help Service Terminal操作说明Operating Instruction中信银行China Citic Bank 湖南路营业时间Business Time储蓄时间Deposit Time大堂经理HALL MANAGER对公业务Corporating Banking Business对私业务Retail Banking Business现金结算Cash Settlement24小时服务热线24 Hour Hotline紧急按钮Emergency Button中国农业银行Agricultural Bank of China 湖南路现金服务区Cash Service自助服务区Self-Service Area客户等候区Customer Waiting Area咨询引导区Consulting Area保管箱Lock Box24小时自助服务24 Hours Banking自助服务终端Self-service Terminal操作指南Operation Instructions插卡Insert card输入密码Key in PIN查询Inquiry转账Account Transfer改密Modify PIN挂失Reporting a loss理财卡Wealth Management Card查询子帐户Inquiry Subaccount通知存款Call Deposit外汇查询Foreign Exchange Inquiry市价交易Market price transaction委托Request银证Banxecurity第三方存款The third partysafe keeping银期转账Bank-option account transfer银行转期货Bank-to-futures查期方余额Inquiry the balance of the future输入账号、密码Input account number, password代缴费Charging service as agents存折补登The passbook renewed交易结束Transaction end退出、取卡或存折Exit, take card or passbook无卡存折Non-card deposit核对户名Check Username放入现金Put in Banknote核对张数、金额Check up number of sheets, account确认存款Confirm the deposit活期存折Demand account for passbook活期/定期Demand account/Time account自动存取款机Automatic Deposit and Withdrawal Machine自动取款机Automatic Teller Machine自助服务终端使用说明User’s guides for Self-service Terminal本机只受理农行金穗系列卡和存折等业务Kin card series and passbook of Agriculture Bank of China only本机不能办理存取款业务Non-cash Business客户热线Custom Service Hot-line本机可受理加入“银联”的其他银联卡This machine can handle any “union pay” c ard请妥善保管好银行卡和密码，在使用时请用时候身体挡住他人视线，谨防他人窥视您的密码Please take of your bank card and PIN, guide against others peeping your PIN while using the card 每次取款上限2000元，每日累计最多取款十次，每日累计取款限额20000元Ceiling of 2000 yuan per withdrawal, with 10 times at most, for amount of 20000 limit per day存款现钞面额仅限100元Deposit domination: 100 yuan only请不要将残币、不平整的钞票或其他异物放入本机Please do not put the damaged, untidybanknotes or things other banknotes into this machine.如遇机器吞卡，请于次日持本人有效证件到营业厅柜台领取In case of card-swallowing, please go to the business hall with your own identity documents to take back your card the next day恒丰银行Evergrowing Bank湖南路中国人寿保险股份有限公司China Life Insurance Company Limited。

金融行业-CorporateBanking

金融行业-CorporateBanking金融行业-Corporate Banking一、什么是企业银行Corporate Baking1、定义：Corporate Banking(又称法人金融或公司金融)是Wholesales属性，是针对公司，要服务365行商业银行(Commercial bank)为传统银行，包含Corp. bk. & Consumer bk.，但不含IB(Investment Banking)。

2、分工⑴Commercial banking的Trade sales=>主要是传统银行进出口贸易相关业务；⑵Corporate banking的RM=>除了提供传统银行相关业务，并还包含IB业务(Corp.finance)。

3、代表性银行举例⑴大银行，如：花旗(CITI)、汇丰(HSBC)、渣打(SCB)、荷兰(ABN)…有做Corp. bk. & Consumer bk.；⑵中型银行，如：法国巴黎银行(BNP)、德意志(DB)、摩根大通(J.P.Morgan)、美国银(BOA)…以Corp. bk & IB为主。

二、组织分工及产品1、Sales端：⑴即RM(Relationship Manager)：销售Corp. bk.所有product，buy side为一般公司财务部主管。

⑵RM按行业分Large Corp. (LC) RM: 负责本地大型产业如：上市公司，会销售到IB产品；Stated own Enterprises(SOE) RM: 负责国有企业，会销售到IB产品；Multinational (MNC) RM: 负责跨国公司，不会销售到IB产品；Financial Institution(FI) RM: 负责金融行业(大银行又分为：银行同业、非银行金融机构NonBankFI。

前者FI RM偏向销售correspondence业务；后者NBFI RM工作内容较丰富多元，会销售到IB产品)；Small & Medium Enterprises(SME) sales: 负责本地中小企业，SME客户要求的服务大多是trade，会销售到一些investment产品；SME Sales下一步很适合做PB Sales(因已积累中小企业主客户基础)；注：一般只有大型企业银行才会将RM如此细分，中小型银行RM 会同时负责几个行业。

Rizal Commercial Banking Corporation Corporate Gov

Corporate Governance Committee Charter Revised Corporate Governance Committee Charter2017May 2017Document Version 4Updated by: Atty. Claribelle S. Bautista-PerezRegulatory Affairs DivisionRegulatory Affairs GroupFor questions/clarifications, please contactAtty. Claribelle S. Bautista-PerezE-mail address: *******************Atty. Anna Melissa F. Abarquez-SagayadanE-mail address: *******************Atty. Katrina Elena D. GuerreroE-mailaddress:*******************Corporate Governance Committee Charter INTRODUCTIONThe Corporate Governance Committee (“Committee”)of Rizal Commercial Banking Corporation (“Bank”) was constituted to assist the Board of Directors in fulfilling its corporate governance responsibilities pursuant to the provisions of its By-laws, the Corporate Governance Manual, and Subsec. X141.3 (c)(7) of the Manual of Regulations for Banks (“MORB”).This Corporate Governance Committee Charter (“Charter”) sets out the roles, responsibilities, and authority of the Committee and the rules of procedure that will guide the function of the Committee.1.0 GENERAL PURPOSE AND AUTHORITYThe Corporate Governance Committee (the “Committee”) is constituted by the Board of Directors (the “Board”) for the following purposes:1.1 Oversee the development and implementation of corporate governance principles andpolicies;1.2 Review and evaluate the qualifications of the persons nominated to the Board as well asthose nominated for election to other positions requiring appointment by the Board;1.3 Identify persons believed to be qualified to become members of the Board and/or the Boardcommittees;1.4 Assist the Board in making an assessment of the Board’s effectiveness in the process ofreplacing or appointing new members of the Board and/or Board Committees;1.5 Assist the Board in developing and implementing the Board’s performance evaluationprocess and rating system that constitute a powerful and valuable feedback mechanism toimprove board effectiveness, maximize strengths and highlight areas for furtherdevelopment;1.6 Provide guidance to and assist the Board in developing a compensation philosophy or policyconsistent with the culture, strategy and control environment of the Company;1.7 Oversee the development and administration of the Company’s executive compensationprograms, including long term incentive plans and equity based plans for Officers andExecutives; and1.8 Assist the Board in the performance evaluation of and succession planning for Officersincluding the CEO and in overseeing the development and implementation of professionaldevelopment programs for Officers.2.0 COMPOSITION2.1 The committee shall be composed of at least four (4) members of the Board of Directors whoshall be non-executive directors, majority of whom shall be independent directors, includingthe chairman with one (1) member representing the minority stockholders.Corporate Governance Committee Charter2.2 The chairman and the members of the Committee shall be appointed by the Board. Anindependent director who is a member of any committee that exercises executive ormanagement functions that can potentially impair such director’s independence cannotaccept membership in the Committee without prior approval of the Monetary Board.12.3 The Board may appoint one or more individuals to serve as advisor(s) to the Committee.The advisors shall have the right to attend and speak at any meeting of the Committee, butshall not have the right to vote on any action of the Committee.2.4 The chairman of the Committee or any of its members may be removed from office only bythe Board. If the office of the member is vacated, the Board shall appoint a new member inorder to meet the required composition of the Committee.3.0 QUALIFICATIONS3.1 The chairman of the Committee shall be an independent director.3.2 The members of the Committee who are directors or independent directors shall possess thesame qualifications and none of the disqualifications of a director or independent director, asthe case may be.3.3 The members of the Committee shall be provided periodic professional education/training.3.4 The members of the Committee who have been absent or who have not participated forwhatever reason in more than fifty percent (50%) of all meetings, and members who failed tophysically attend for whatever reasons in at least twenty-five percent (25%) of all meetingsduring the year, shall be disqualified for reappointment in the succeeding election, exceptthat if the chairman certifies that said members were given the agenda for the meeting andtheir comments/discussions thereon were taken up in the meeting, said members shall beconsidered present in the meeting.4.0 MEETINGS4.1 The Committee shall meet as frequently as considered necessary by the Committee.Meetings of the Committee shall be convened by the chairman as deemed appropriate orupon request of the majority of the members.4.2 A quorum will comprise of majority of the members of the Committee. Voting on Committeematters shall be on one member –one vote basis. Majority vote of all members presentshall constitute an official action of the Committee.4.3 The members of the Committee shall attend its meetings in person or throughteleconferencing and videoconferencing conducted in accordance with the rules andregulations of the SEC in such a manner that will allow the member who is taking part in saidmeetings to actively take part in the deliberations on matters taken up therein, except whenjustifiable causes prevent his attendance to ensure that the quorum requirement will be met.Justifiable causes include, but are not limited to, grave illness or death of an immediatefamily or serious accidents.1BSP Circular No. 757, Series of 2012.Corporate Governance Committee Charter4.4 The notice and agenda of the meeting shall be furnished to the members prior to eachmeeting and will include relevant supporting papers as appropriate.4.5 Minutes of the meeting shall be submitted to the Board of Directors.5.0 DUTIES AND RESPONSIBILITIES OF THE CORPORATE GOVERNANCE COMMITTEE. TheCommittee shall assist the Board of directors in fulfilling its corporate governance responsibilities. In this regard, the Committee shall:5.1 Oversee the nomination process of the members of the board of directors and for positionsappointed by the board of directors.a. The Committee shall review the composition of the board and determine the set ofqualifications, skills, experience and/or expertise which are aligned with the Bank’sstrategic direction. Candidates are then identified from various sources. To theextent practicable, the members of the Board shall be selected from a broad pool ofqualified candidates. The Committee shall have the authority to engageprofessional search firms or other external sources of candidates when searching forcandidates to the board.The qualifications of shortlisted candidates shall be reviewed to determine whetherthe candidate is a fit and proper person for the office and whether he possesses allthe qualifications and none of the disqualifications of a director of the Bank underrelevant laws and regulations and internal policies. In selecting independentdirectors, the number and types of entities where the candidate is likewise electedas such shall be considered to ensure that he will be able to provide sufficient timeto effectively carry out his duties and responsibilities.The Committee shall then proceed to make recommendations to the Board.The Committee shall also review and evaluate the qualifications of those personsnominated to other positions requiring appointment by the board of directors inaccordance with the foregoing guidelines.b. In consultation with the executive or management committee/s, it shall re-define therole, duties and responsibilities of the Chief Executive Officer by integrating thedynamic requirements of the business as a going concern and future expansionaryprospects within the realm of good corporate governance at all times.c. The Committee shall review and evaluate the qualifications of all persons nominatedto positions requiring appointment by the Board of Directors.d. The Committee shall consider the following guidelines in the determination of thenumber of directorships of a nominee for the Board:d.1 The nature of the business of the Corporations which he is a director;d.2 Age of the Director;Corporate Governance Committee Charterd.3 Number of directorships/active memberships and officerships in othercorporations or organizations; andd.4 Possible conflict of interest.The optimum number shall be related to the capacity of a director to perform hisduties diligently in general.5.2 Oversee the continuing education program for the board of directors. The Committee shallmake recommendations to the Board regarding the continuing education of directors, assignment to Board committees, succession plan for the Board members and senior officers, and their remuneration commensurate with corporate and individual performance. 5.3 Oversee the periodic performance evaluation of the Board and its committees and executivemanagement; and shall also conduct an annual self-evaluation of its performance.a. The C ommittee shall decide the manner by which the Board’s performance may beevaluated and propose an objective performance criteria approved by the Board. Suchperformance indicators shall address how the Board has enhanced long termshareholder’s value.b. The Committee shall review the Bank’s Performance Management Framework andoversee the implementation thereof.5.4 Decide whether or not a director is able to and has been adequately carrying out his/herduties as director bearing in mind the director’s contribution and performance (e.g.competence, candor, attendance, preparedness, and participation). Internal guidelines shall be adopted that address the competing time commitments that are faced when directors serve on multiple boards.5.5 Monitor compliance of the submission of the Annual Corporate Governance Scorecard onthe scope, nature and extent of the actions taken to meet the objectives of the SEC’s Revised Code of Corporate Governance.5.6 The Committee shall be responsible for the amicable resolution of disputes and/or settleconflicts or differences between the Bank and its stockholders, and the Bank and third parties, including regulatory authorities.5.8 Oversee the design and operation of the remuneration and other incentives policy:a. The Committee shall establish a formal and transparent procedure for developing apolicy on executive remuneration and for fixing the remuneration packages ofcorporate officers and directors, and provide oversight over remuneration of seniormanagement and other key personnel ensuring that compensation is consistent withthe Corporation’s culture, strategy and control environment.b. It shall designate amount of remuneration, which shall be in a sufficient level toattract and retain directors and officers who are needed to run the companysuccessfully.c. The Committee shall develop a form of Full Business Interest Disclosure as part ofthe pre-employment requirements for all incoming officers, which among otherscompel all officers to declare under the penalty of perjury all their existing businessCorporate Governance Committee Charterinterests or shareholdings that may directly or indirectly conflict in their performanceof duties once hired.d. It shall disallow any director to decide his or her own remuneration.e. It shall provide in the Bank’s ann ual reports, information and proxy statements aclear, concise and understandable disclosure of compensation of its executiveofficers for the previous fiscal year and the ensuing year.f. It shall review the existing Human Resources Policy Manual or PersonnelHandbook, to strengthen provisions on conflict of interest, salaries and benefitspolicies, promotion and career advancement directives and compliance of personnelconcerned with all statutory requirements that must be periodically met in theirrespective posts.g. Or in the absence of such Personnel Handbook, it shall cause the development ofsuch, covering the same parameters of governance stated above.6.0 REPORTINGThe Committee shall report periodically to the Board. Minutes of meetings of the Committee which specify opinions and official actions of the Committee on various matters, shall be disclosed to the Board of Directors.7.0 CHARTER AMENDMENTS7.1 The Committee shall from time to time assess the adequacy of the Charter and recommendchanges thereto to the Board.7.2 The Committee charter shall be approved by the Board of Directors and reviewed andupdated at least annually or whenever there are significant changes therein.。

Banking 职业方向的选择

Banking Dark SideRobottiger: 我是一年级的学生，现在大家都如火如荼的开始找internship。

刚访问完华尔街几大投行，从纽约回来了。

想写下关于banking的感受。

现在这个时段已经有很多的company presentation，很多的company visit. 我也逐渐有了一些商学院找工作的感觉。

首选，最大两块是投行和咨询。

我们学校起码占70%以上。

其他各校估计也差不太多。

现在越和那些投行的同学们，朋友们和alumni们交流，越觉得困惑。

投行分几部分：Investment Banking Department(IBD)，Sales&Trading(S&T), investment management，还有些research 之类的。

招人最多的是IBD。

我们班很多同学本来就是做IBD的。

但是你会发现，只要是原来的banker就没有人去参加banking的presentation，他们都要改行！有个同学之前在香港某大投行做事。

三年，几乎每天2点以后下班。

通宵很正常。

有一个月每天4点下班，8点多上班。

跟行尸走肉一样。

最后项目结束大家都哭。

每天都想辞职，每天都很dismay。

还有我的core team里有个美国同学是在这边某大投行的，也是差不多的情形。

但是现在banking 的presentation，还是无数商学院MBA踊跃的去参加，表现出很大很大的兴趣。

更奇妙的是，banking的recruiting很讲究networking。

他们来宣讲的时候，就要跟你聊。

还有搞什么coffee chat，dinner，company visit，一堆堆得活动让你去networking。

一个banker，身边围一堆MBA，都争先恐后的问各种“显示深度”的问题。

忙着kiss ass，留下印象。

好累的过程！每天回家后拿出一堆banker的名片，还要先写感谢信，再写作业。

银行产品手册中英文对照版

xx银行Xxxx Bank公司金融服务Corporate Banking Service走近xx银行A Snapshot of xxxx bank雄厚的资产实力Assets Strengthxx银行是xxxx年经中国人民银行批准设立、xxxx年开业、xxxx 年在上海证券交易所挂牌上市的股份制商业银行，总行设在xx。

目前，注册资本金xxxx亿元，总资产规模达xxxx亿元人民币（。

良好的业绩、诚信的声誉，使xx银行成为中国证券市场中备受关注和尊敬的上市公司。

The Shanghai-based Xxxx Bank, a joint-stock commercial bank approved by the People’s Bank of China on xxxx, started businesses on xxxx, and was listed in the Shanghai Stock Exchange in xxxx. Its registered capital totaled RMB billion Yuan and total assets stood at RMB billion has earned respect and good fame in the domestic stock market on account of its outstanding performance and trustworthiness. 诚信的企业文化Honest Corporate Culture自成立以来，xx银行一贯秉承“笃守诚信、创造卓越”的经营理念，致力于建设成为国际上较好的商业银行，为支持国民经济发展和社会进步贡献力量。

Ever since its establishment, XXXXBank has been devoted to becoming an internationally well-known bank and contributing to national economic development and social progress under the service concept of sticking to integrity and striving for excellence.全国性的经营格局Nationwide Networkxx银行目前在国内座重点城市设立了家直属分行、家营业机构，在香港设立了代表处；在海外，建立了多家账户行和余家代理行，遍及全球多个国家和地区。