德意志银行(Deutsche Bank)--42题 Verbal
转载:我在摩根士丹利的实习岁月
忽然一年。
上周四摩根士丹利来到图书馆5楼开宣讲会,又到招收实习生的时候了。
我曾在摩根士丹利IT部门实习过半年,不禁感慨良多。
截取几段简短的回忆,纪念一段美好的时光。
今年的实习规模更大、过程更正规,可能过程会和去年有一定出入。
1。
初识去年4月的E200,摩根士丹利第一次来学校开实习生宣讲会。
那次宣讲会全程用英文进行,虽然内容已经记不清楚,但我依然记得为何决定投出简历。
来的5个人西装革履,他们进来后给在场每个人都发了彩色铜版纸打印的宣传单、在黑板上贴出一张大海报、在门口立起一幅招贴画。
教室并没有为他们预留出座位,每次有一个人在台上讲,其他4个人就在窗台旁的角落里站着。
令我吃惊的是,无论谁在台上讲,其余四个人都整整齐齐的站成一排、手背在后面。
看到这些场景,我决定投出简历:既然他们能把细节都做到这种地步,一定是一家杰出的公司。
2。
电话面试忐忑的等来了电话面试通知,我跑到当时还没建好的电信群楼旁边的活动中心,找好一个能看到湖水的台阶耐心等候。
有两个人一起面试我,一个在上海、一个在香港。
问题的范围非常广泛,从操作系统到数据库、从网络到算法、从面向对象到语言特性无所不包。
当时我才大三,很多专业课都还没学,只好直接说不会。
虽然范围很广,但考察的都是比较基本的概念和理解。
他们需要用到各种各样的技术,所以需要考察各个方面来找到你所擅长的,并不需要你答对所有问题(全答对是很困难的)。
3。
面试理论上面试需要正装,无奈天气太热,我没穿西服没打领带,只穿一件短袖衬衫就过去了。
还是两个人面试,主要谈了以往的经历、曾做过的项目,还问了几个技术问题。
这一轮最好准备一下简历上的内容,想想怎样介绍以前的经历和做过的项目。
面试最后还有一些时间,他们问了我的爱好、平时喜欢关注什么新闻。
我说时常看看经济新闻,他们就问我对国内房地产价格的看法。
我分析说房地产泡沫太大了,很快就会破灭。
可惜直到现在上海的房价还在上涨……这样的问题只是想更多的了解你的性格,再看看你能否独立思考,答案其实并不重要。
德意志银行简介
严格保密德意志银行简介2010年3月2010年3月严格保密1.1 德意志银行的全球实力德意志银行概览⏹德意志银行是一家集商业银行和投资银行业务为一体的综合性银行。
⏹德意志银行以1,227亿美元的营业收入位居2008年世界500强的第26位。
⏹此次金融危机对世界经济影响重大,全球银行业重新洗牌。
德意志银行是在此次危机中没有接受政府救助的少数银行之一,并以其独特的经营模式和稳健的经营管理,运营状况持续改善。
2009年上半年净收入、净利润同比分别增加了50%、360%。
一级资本充足率达到了11.00%。
德意志银行是全球领先的提供全方位服务的综合性银行面向国内富裕私人客户和中小企业提供私人银行、工商企业金融服务和个人信贷产品为高端客户提供投资管理、税务咨询服务、继承策划和成立慈善基金等是全球最具规模的投资管理机构之一,为个人和 机构投资者及保险公司提供新的互惠基金、另类投资和环球保险方案从事股票、衍生产品、外汇、债券、直接投资、 结构化产品和证券化产品的设计、交易、销售和研究从事公司首次公开发行和后续融资的承销业务,及融资和并购的财务顾问服务德意志银行有能力为客户各方面需求提供有力支持客户需求 德意志银行提供的产品及服务德意志银行 –全球表现杰出《风险杂志》奖项 2009年1月❑ 年度最佳对冲基金衍生品银行❑年度最佳货币衍生品银行《环球》杰出奖项2008年3月❑全球最佳经纪业务银行《银行家》投资银行奖项2008年❑ 最具创新性承销商❑ 最富创新精神风险管理银行2009年12月❑年度最佳债券机构《欧洲货币》外汇交易排行榜2008年❑ 外汇交易服务提供商第1名❑ 年度最佳外汇机构❑年度最佳风险管理银行《全球金融》 2008年11月❑全球最佳外汇银行《国际证券化报告》2008年❑年度最佳国际证券银行《衍生品周刊》杰出奖项2008年10月❑ 全球最佳衍生品银行《欧洲货币》杰出奖项2006年❑最佳外汇服务银行《国际金融评论》年度回顾2008年12月❑年度最佳商品衍生品银行德意志银行在世界顶尖投行中风险控制实力超群近期的次贷危机导致全球金融业坏账注销与借贷损失总额达到1万亿美元得益于我们出色的风险管理系统,德意志银行在主要行业竞争对手中融资规模最小,且为唯一一家未接受政府或主权财富基金注资的投资银行这次危机突显了具有严格风险管理机制的银行与出现重大管理失误的银行之间的显著差别数据来源:各家机构定期报告,2009年4月德意志银行2009年前三季度业绩简报损失准备金(15.0)(2.0) 2.1非利息支出(亿欧元)(105.0)(94.0)15.9税前收入(亿欧元)31.0 4.013.0净利润(亿欧元)23.0 5.014.0稀释后每股盈余(欧元)35.310.121.0税前 RoE* 19.0% 3.0%17.0%6%7%8%9%10%11%12%Q107Q207Q307Q407Q108Q208Q308Q408Q109Q209Q309一级资本充足率2008H12009H15年期CDS息差(2010年2月1日)财务概要德意志银行资本充足率不断增加德意志银行坏账准备金不断充实,杠杆比率下降德银坏帐准备金不断充实(亿欧元)德银杠杆比率变化09/03/3109/06/3008/12/3109/09/30严格保密1.2 德意志银行在中国德意志银行在亚太地区及中国的分布新加坡香港班加罗尔加尔各答新德里曼谷首尔胡志明市拉合尔德意志银行在中国⏹作为一个全球性全能型银行,德银在不断积极寻找继续扩张的机会。
网申开放性问题以及 参考答案
网申思路图SISC (西门子国际学生圈)1. What's your motivation for applying for SISC2. How do you think a friend or professor who knows you well would describe you (1500 letters)3. How would you describe the ideal job for you following graduation (1500 letters)4. What are your long range and short range career goals and objectives When and why did you establish them and how are you preparing yourself to achieve them\5. Tell me a challenge you had in your work/study life. How did you overcome those difficulties and achieve the goal. (1500 letters)6. Interacting with others can be challenge at times. Have you ever had any difficulty getting along with someone at school Tell me about a specific situation in which thishappened. How did you handle it (1500 letters)7. Tell me about a situation in which you had to adjust quickly to a change in organizational, departmental, or team priorities. How did the change affect you(1500 letters)8. Describe a situation in which you saw a problem and took action to correct it ratherthan wait for someone else to do (1500 letters)|Nestle(雀巢):1. What are the four key elements that "the right people" possess to meet Nestle's requirementsAccuracy/PrecisionProfessionalismTeam spiritsGreat people skills\Accuracy: Nestle is one of the biggest food companies in the world and proudly providesthe worlds with great products ranging from XX to XXX. Our products affect lives significantly, and precision is an important element to ensure the quality of our products,thus promoting our clients well beings with no mistakes. This is why Nestle requires the “highest standards are met throughout the organization.”Harmony with the society:like|No fixed answers 知己知彼知彼:research Nestle, Nestle 的读音,then “about Nestle”,Research 一个公司的流程:公司官方网站→公司官方英文网站(比如外企)→公司企业文化→公司在华业务发展→主要产品→国际地位(比如,500 强,最大的食品行业企业,隶属于快速消费品行业,等等)→职位相关的信息和要求(Job description)2. What are your key criteria in selecting a jobLong term growth orientationGreat potential career track,Opportunity to grow with the company3. What do you think are the essential "qualities" in being successful in your career development Patience Hardworking Quick learning Harmony with the society Think long-term参考雀巢的企业文化和principles,人家关键看你是不是match4. From a career perspective, where do your see yourself 3-5 years from now and why$KPMG(毕马威):1. Please give a brief summary of your current recreational and leisure activities,including sports and hobbies.My current recreational and leisure activities are as follows:Reading: I am a fan of detective and romantic stories.Soprts: I often go jogging in the morning to help me keep fit.Drawing: I am good at painting and I used to be a member of]2. What clubs and societies are you a member of and in what capacityI was a member of one of our college ‘s largest3. What factors have influenced your career choicePersonality: cautious patient responsible ;widely reading ; look at challenges as opportunities ;a quick learnerAbility: good interpersonal skills; strong team spirit ;ability to work well under pressure ,ability to work efficiently and paty attention to detailSkills: language skill: understand most articles in english, engaged in an extend conversation with English –speaking foreigners,write a report or essay that communicates the desired messages. Computer skill: collect and analyze data with excel ,confident with other Microsoft office appliances \email and the webProfessional skill; attain the knowledge of accounting and financial management ,analyze the financial report basically.4. Outline your career ambitions and objectives.(5. Describe your greatest success or a situation where you exceeded your own expectations. Deutsche Bank(德意志银行):1. Why do you want to work for Deutsche Bank2. Please describe why you have selected this division and in particular, the qualities you possess that make you suited for it.3. Given current market conditions what do you think Deutsche Bank should do to remain competitive%4. Describe your main academic and non-academic extra curricular activities.5. Other information (Max 50 words) (If you have graduated, please give brief details of what you are currently doing in this section.)IBM1. Describe your greatest achievement in the past 4-5 years2. What are your short & long term career objectives What do you think is the most ideal job for you3. Why do you want to join IBM What do you think you can contribute to IBM@Hong Kong Bank1. Please state why you chose to follow these activities and how they have contributed to your personal development. You may wish to give details of your role whether anyone else was involved and any difficulties you encountered.2. Please state how you have benefited from your work experience.3. How much is your present monthly salary including allowances4. Do you need to compensate your present employer if you resign If so, please give details.,5. Other than academic success, what has been your greatest achievement to date What do you see as your personal strength, why6. Please state why the position you have applied for is appropriate for you; Why you have selected Hong Kong Bank and what your career objectives are.P&G1. Describe an instance where you set your sights on a high demanding goal and saw it through completion2. Summarize a situation where you took the initiative to get others going on an:important task or issue, and played a leading role to achieve the results you wanted.3. Describe a situation where you had to seek out relevant information, define key issues, and decide on which steps to take to get the desired results.4. Describe an instance where you made effective use of facts to secure the agreement of others.5. Give an example of how you worked effectively with people to accomplish an important result.6. Describe a creative/innovative idea that you produced which led to a significantcontribution to the success of an activity or project.7. Provide an example of how you assessed a situation and achieved good results by|focusing on the most important priorities.8. Provide an example of how you acquired technical skills and converted them topractical application.. Kearney1. Describe your greatest achievement in the past 4-5 years2. What are your short-term and long-term career objectives What do you think is the、most ideal job for you3. Why do you want to join Kearney What do you think you can contribute toKearney4. Why are you applying for a position at Arthur Anderson5. What are your expectations of our firm6. Describe your hobbies and interests.Shell Company1. How would your colleagues /classmates describe you in five words On what(evidence would they base this assessment2. If you are asked to recruit the best graduates for shell, what would you do to attractthem What would you do to select them3. Please describe a new activity that you have initiated and implemented. Pleasehighlight your role out.4. Please describe your outstanding non-academic achievements.5. Please describe any other significant activities you have been involved in including organizing people.6. Imagine that Shell has found oil in an inland province of China, near a large river.You are responsible for planning how to transport the oil to the coast thousands of·miles away. What are the main issue you would consider, and what would you doCICC1. Please tell us about an achievement that you are especially proud of because it wasdifficult or demanding. a) What the objective was b) Why it is important to you c) How you achieved it and the obstacles that you had to overcome in order to do so2. What is your career plan Three years after graduation, and five years aftergraduation3. Why are you interested in investment bank What other industries do you also have interests.4. Why do you think you can be a qualified investment banker How can you contribute in this industryMSNInstruction: Choose one of the following questions and answer it in English.1. Describe a situation in which you had to convince others that your view, approach, or ideas were right or appropriate.2. What experience have you had working in teams Using a specific example, which role did you play on the team How did you select that role What were the~most/least satisfying aspects of working on that team What is the most difficultthing for you in working with a team3. Have you ever had an idea or goal to achieve something that required action by other individuals beyond just yourself How did you get the idea or come to set the goalHow did you find or mobilize the requisite resources to make the idea or goal become real How did you deal with any unforeseen events along the way联合利华]1. Describe a time when you had to come up with a new solution to overcome the considerable resistance and solve the complex problem finally (No more than 1000 letters)2. Describe the situation where you had to convince someone who was not easily to be convinced What did you do (No more than 1000 letters)3. Please describe a time when you saw an opportunity to really make a difference on yourself (No more than 1000 letters)4. Have you ever been part of a workgroup and attained the group goal through the joint efforts What role did you play in the whole process (No more than 1000,letters)5. Tell us you strength which make yourself different from other applicants (No more than 200 letters)7. Why are you interested in applying Unilever (No more than 300 letters)8. What are your expectations to Unilever Management Trainee ProgramE&Y1. please describe your career objective and what you have done to date to achieve it.2. please include any other information which you may consider relevant to your-application.HiAll优秀例1) Self-introduction:Conventional:My name is Chris. I’m a Senior/ 4th-year undergraduate student from School of Economics, Peking University. I’ve kept on outstanding academic record during the 4 years in college, winning several awards and scholarships including… I’ve co-founded such and such student organizations on campus and have participated in such and such ^exchange programs. I’ve had internships with prestigious companies such as ABC and XYZ, which was my first exposure to the consulting industry. I’m excited about the dynamic life style and steep learning curve in a consulting firm, and that’s the reason whyI applied for this job.Unique:I’m a person who likes challenges. During my 4 years at Peking University I’ve always—tried hard to seek, confront and conquer challenges, as you can find from my resume. Today I’m sitting her e in front of you, well aware that you are going to give me a big challenge. And I’m confident that I can survive it.2)Describe an instance where you set your sights on a high/demanding goaland saw it though completion. (challenge, overcome difficulties)When I entered Peking University in 200X, I was not the best student in my class. I aimed at the 5% rank and my passion for study has never waned despite chores from extracurricular activities and community events I have joined.(Surrounded by International Mathematics and Physics Olympics gold medalists and top students from all over the nation, I realized that I faced tough competition. Instead of settling for what I had already achieved, I rose to the challenge and soon distinguished myself among my classmates. I had a plan to work hard on my weak fields, especially in XX areas. In addition to attending classes and finishing the assignments, I constantly consulted fellow students and teachers. I also gave myself extra reading and assignmentsto broaden my knowledge horizon. I dug out the significance beyond the literal meanings of every theorem by looking at them from different perspectives, found their connections to other ideas, and fixed them within the framework of economics.\In the mean time, I was very into the extracurricular activities, especially the Students’ Theater Organization (STO) at Peking University. I managed to strike a good balance between study and activities, which turned out to be complementary and beneficial to each other. However, it was not so easy to give consideration to both study and work, and conflict is unavoidable. So plans to arrange the time were indispensable every week. When others were playing computer games or watching movies on the weekend, I was always the last one to leave the library on Fridays and Saturdays. Despite the sacrifices I had to make, I maintained high spirits because I managed to handle my study and hobbies successfully and enjoyed the hard work.Till now, I have gained the first prize scholarship for six straight times in the past three years. My perseverance paid off handsomely and I received a major GPA of . I constantly ranked top 5% among 200 students and had the privilege to receive the coveted scholarships awarded only to the best few, including Sumitomo Bank Scholarship and Peking University’s Annual Outstanding Scholar award.A. Summarize a situation where you took the initiative to get others on animportant task or issue, and played a leading role to achieve the results youwanted.B. Accomplish a task with tight deadline by listening and understanding todifference ideas.C. Leading and influencing the direction of a project or taskSituation:Task:Action:Result:。
世界100家著名银行英文名 四季英语作文
世界100家著名银行英文名四季英语作文世界100家著名银行1. Citibank 花旗银行(XX)2. Dai-Ichi Kangyo Bank 第一劝业银行(日本)3. Fuji Bank 富士银行(日本)4. Sumitomo Bank住友银行(日本)5. Mitsubishi Bank三菱银行(日本)6. Banque Nationalede Pairs巴黎国民银行(法国)7. Sanwa Bank三和银行(日本)8. Credit Agricole农业信贷银行(法国)9. Bank of America美洲银行(XX)10. Credit Lyonnais里昂信贷银行(法国)11. Norinchukin Bank农业储金银行(日本)12. National Westminster国民西敏士银行(英国)13. Industrial Bank of Japan日本兴业银行(日本)14. Societe Generale兴业银行(法国)15. Deutsche Bank德意志银行(德国)16. Barclays Bank巴克莱银行(英国)17. Tokai Bank东海银行(日本)18. Mitsui Bank三井银行(日本)19. Chase Manhattan Bank大通曼哈顿银行(XX)20. Midland Bank米兰银行(英国)21. Mitsubishi trust and Banking三菱信托银行(日本)22. Sumitomo Trust and Banking 住友信托银行(日本)23. Long Term Credit Bank of Japan日本长期信用银行(日本)24. Band of Tokyo东京银行(日本)25. Dresdner Bank德累斯顿银行(德国)26. Taiyo Kobe Bank太阳神户银行(日本)27. Manufacturers Hanvor Trust汉华实业银行(XX)28. Mitsui Trust and Banking三井信托银行(日本)29. Compagnie Financiere de Paribas巴黎巴银行(法国)30. Hongkong and Shanghai Banking汇丰银行(英国)31. J.P.Morgan摩根银行(XX)32. Royal Bank of Canada加拿大皇家银行(加拿大)33. Union Bank of Switzerland瑞士联合银行(瑞士)34. Daiwa Bank大和银行(日本)35. Lloyds Bank劳埃德银行(英国)36. Yasuda Trust Banking安田信托银行(日本)37. Swiss Bank Corp瑞士银行(瑞士)38. Deutsche Landesbank德意志地方银行(德国)39. Banca Nazionale del La-voro国民劳动银行(意大利)40. Bank of Mantreal蒙特利尔银行(加拿大)41. Bank of China中国银行(中国)42. Commerzbank商业银行(德国)43. Chemical (New York) Bank化学银行(XX)44. Banco do Brasil巴西银行(巴西)45. Bayerische Vereinsbank巴伐利亚联合银行(德国)46. Canadian Imperial Bank of Commerce加拿大帝国商业银行(加拿大)47. Security Pacific安全太平洋银行(XX)48. Algemene Bank Nederland荷兰通用银行(荷兰)49. Nippon Credit Bank日本信贷银行(日本)50. Amsterdam-Rotterdam Bank阿鹿银行(荷兰)51. Kyowa Bank协和银行(日本)52. Bankers Trust银行家信托公司(XX)53. First Interstate Bancorp第一州际银行(XX)54. Toyo Trust Banking东洋信托银行(日本)55. Rabobank农业合作社中央银行(荷兰)56. Banca Commerciale Italiana意大利商业银行(意大利)57. Bayerische Hypothekenaund Wechsel巴伐利亚抵押汇兑银行(德国)58. Saitama Bank琦玉银行(日本)59. Istituto Bancario Sanpalol di Torino都灵圣保罗银行(意大利)60. Bank of Nova Scotia诺伐斯科西亚银行(加拿大)61. Credit suisse瑞士信贷银行(瑞士)62. Bayerische Landesbank巴伐利亚州银行(德国)63. Deutsche Gemossenschalts Bank德意志合作银行(德国)64. Stand-Chartered Bank标准麦加利银行(英国)65. Generale de Banque通用银行(比利时)66. Monte dei pascht di Siena西雅那银行(意大利)67. Cassa di Risparmio Delle Paovincie Lombarde伦巴第省储蓄银行(意大利)68. Banco di Roma罗马银行(意大利)69. First Chicago芝加哥第一银行(XX)70. Norddentsche Landesbank北德意志州银行(德国)71. Credit Italiano意大利信贷银行(意大利)72. Shoko Chukin Bank工商组合中央金库(日本)73. Hokkaido Takushoku Bank北海道拓殖银行(日本)74. CIC Group工商信贷集团(法国)75. Toronto Dominion Bank多伦多自治领银行(加拿大)76. Bank of Yokohama横滨银行(日本)77. Rafidain Bank拉菲丁银行(伊拉克)78. Banque Indosuez东方汇理苏伊士银行(法国)79. Bank Melli Iran伊郎国民银行(伊郎)80. Westpac Banking西太平洋银行公司(澳大利亚)81. Zenshinren Bank合作银行(日本)82. State Bank of India印度国家银行(印度)83. Mellon Bank梅隆银行(XX)84. Group des Banque Popalaries大众银行集团(法国)85. Banco di Napoli那坡里银行(意大利)86. Continental Lllinois Bank大陆伊利诺斯银行(XX)87. Wells Fargo Bank威尔士法戈银行(XX)88. Chuo Trust Banking中央信托银行(日本)89. Bank of Boston波士顿银行(XX)90. Australia New Zealand Banking Group澳新银行集团(澳大利亚)91. Bank fur Gemeinwirischaft公共经济银行(德国)92. BBI Bank Brussels Lambert布鲁塞尔朗贝银行(比利时)93. Nederlandsche Middenstandsbank荷兰密登斯坦银行(荷兰)94. First Bank System第一银行系统(XX)95. Krediet Bank信贷银行(比利时)96. Hessische Landesbank黑森地方汇划中心(德国)97. Creditanstalt Bankverein联合信贷银行(奥地利)98. Banque Francaise de Commerce法国商业银行(法国)99. Credit Communal de Belgique比利时公共信贷银行(比利时)100. Banco Central中央银行(西班牙)。
德国的银行体系
德意志联邦银行
联邦银行大楼近景
德意志联邦银行(德语:Deutsche Bundesbank)建于 1957年。是德国的中央银行,同时也是欧洲中央银行系统 (ESCB)的一部分。由于它的实力和规模,德意志联邦银 行是此组织中最有影响力的成员,德意志联邦银行和欧洲 中央银行同位于德国法兰克福。 1948年6月20日起发行德国马克,直到2002年欧元实体货 币开始流通之前,德意志联邦银行一直是德国马克的中央 银行。其是第一个被赋予完全独立性的中央银行,代表了 被称为“联邦银行模式”的中央银行模式 德意志联邦银行因其在20世纪下半叶成功地控制通货膨胀 而受到普遍尊重,这使德国马克成为最重要的货币之一, 也使得德意志联邦银行对其他很多欧洲国家拥有实际上的 潜在影响力。
德国商业银行
德国商业银行总部大业银行于1870年成立,德国三大银行之一,2004年 底资产总额约为4200亿欧元。公司主要业务:银行。公司的 服务包括个人客户、国际私人银行、集团公司、国际银行关 系、银行投资。 1870 年2月26日,商业银行在汉堡成立,主要面对商会的商 人、商业银行家以及私人银行家服务。1873年,商业银行成 立了一家分行——伦敦与商会银行,直到第一次世界大战爆 发时仍然在营业。1897年,在法兰克福和柏林都成立了分行。 1905年接管柏林市民银行之后,商业银行将银行的主要商业 活动集中在了首都柏林而不是汉堡。几年之内,商业银行便 成为了德国最重要的银行之一。 作为一家世界银行,商业银行的业务包括个人储蓄业务、集 体储蓄业务及投资业务,同时通过不同的分行提供专门的服 务 德国商业银行的特色化创新之路 直到20世纪90年代后半期,成立于1870年的德国商业银行 跟随着席卷全球的全能银行浪潮,不断拓展公司业务范畴, 进入了中小企业融资、地产金融、公司金融、证券交易、私 人银行、资产管理等业务领域。其中,中小企业融资业务的 创新独具特色。
第一章:金融机构中英文名称互译作业(1)
第一章作业金融09-2 王智09094151第一部分:找出下列世界主要金融机构名称的英文翻译和缩写1 日本三菱东京金融集团(MTFG)Mitsubishi Tokyo Financial Group2 日本瑞穗金融集团MIzuho Financial GrouP,简称MHFG3 中信国际金融控股有限公司CITIC International Financial Holdings Limited4 韩国友利金融控股公司Woori Finance Holdings5 日本联合金融控股集团(UFJ)United Financial of Japan6 美国保德信金融集团Pramerica Financial7 国泰金融控股股份有限公司Cathay Financial Holdings8 MG金融集团MG Financial9 GCI金融有限公司GCI Financial Company Limited10 亚香港金融管理局Hongkong Monetary Authority11 GFX金融控股集团GFX Financial Group12 美国第一资本金融公司Capital One Financial Corp13 美国国家金融服务公司Countrywide Financial Corp14 环球银行金融电信协会Society for Worldwide Interbank Financial Telecommunication,SWIFT15 奥纬金融策略咨询公司Mercer Oliver Wyman,MOW16 通用电气金融服务公司GE Capital17 汤姆森金融公司Thomson Financial18 加拿大永明金融集团Sun Life Financial Services19 美国信安金融集团Principal Financial Group20 三菱日联金融集团Mitsubishi UFJ Financial Group21 苏黎世金融服务集团Zurich Financial Services Group22 美国哈特福德金融服务公司Hartford Financial Services23 亿盛电子金融集团Electronic Capital Markets Group24 花旗金融组织亚太投资有限公司Citigroup Venture Capital International,CVCI25 日本三井住友金融集团Sumitomo Mitsui Financial Group,简称SMFG26 美国安泰保险金融集团Aetna Life Insurance Company27 英国金融服务局Financial Service Agency),简称FSA第二部分:把下列中国证券公司的中文名称找出对应的英文名称1、中信证券公司: Citic Securities Company Limited2、国信证券公司:Guosen Securities Company Limited3、银河证券公司:Galaxy Securities Company Limited4、广发证券公司:GF Securities Company Limited5、国泰君安证券公司:Guotai Junan Securities Company Limited6、华泰证券公司:Huatai Securities Company Limited7、申银万国证券公司:Shenyin & WanGuo Securities Company Limited8、国信证券有限公司:Guosen Securities Company Limited9、海通证券公司:Haitong Securities Company Limited10、中国银河证券公司:China Galaxy Securities Company Limited11、华夏证券公司:China Securities Company12、东方证券公司:Orient Securities Company Limited13、联合证券公司:Joint stock company14、光大证券公司:Everbright Securities Company Limited15、中国证券登记公司:China Securities Registration Company16、兴业证券公司:Industrial Securities Co.,Ltd.17、海通证券有限公司:Haitong Securities Company Limited18、广发证券有限公司:GF Securities Company Limited19、长江证券公司:Changjiang Securities Company20、厦门证券公司:Xiamen securities company21、上海证券有限公司:Shanghai Securities Company Limited22、东北证券公司:Northeast Securities Company23、华夏证券有限公司:China Securities Limited24、招商证券公司:China Merchants Securities Company25、南方证券有限公司:Southern Securities Company Limited26、北京证券登记公司:Beijing Securities Registration Company Limited27、东吴证券公司;Soochow securities company28、西南证券公司:Southwest Securities Company第三部分:把下列世界50家大银行译成各自的中文名称1. Abbey National:阿比国民银行英国2. Algemene Bank Nederland :荷兰通用银行3. Banca Nationale del Lavoro :民劳动银行意大利4. Banca Commerciale Italiana :意大利商业银行5. Bankers Trust New York Corp:纽约银行家信托公司6. Bancoo Do Brasil: 西银行7. Bank America Corp:美洲银行8. Bank of China:中国银行9. Bank of Tokyo:东京银行10. Barclays Bank PLC:柏克莱国际银行英国11. Banque Nationale de Paris:法国国家巴黎银行12. Canadian Imperial Bank of Commerce:加拿大帝国商业银行13. Cassa Di Rosparmio Delle Provincie Lombarde:伦巴省储蓄银行意大利14. Chase Manhattan Bank:美国大通曼哈顿银行15. Chemical New York Corp:纽约化学银行16. Citibank:花旗银行美国17. Cooperative Centrale Raifferssen-Boerenleenbank:荷兰农业合作社中央银行18. Credit Lyonnais:里昂信贷银行法国19. Credit Suisse:瑞士信贷银行20. Credito Italiano:意大利信贷银行21. De Caisse Nationale Credit Agricole:农业信贷国民银行法国22. Dai-Ichi Kangyo Bank:第一劝业银行日本23. Daiwa Bank:大和银行日本24. Deutsche Bank:德意志银行25. Dresden Bank:德累斯顿银行26. First Interstate Bancorp:第一洲际银行美国27. First Chicago Corp:芝加哥第一国民银行28. Fuji Bank:富士银行29. Hongkong and Shanghai Banking Corp:汇丰银行30. Industrial Bank of Japan:日本兴业银行31. Instituto Bancario San Paolo Di Torin:都灵圣保罗银行意大利32. Lioyds Bank PLC:劳埃德银行英国33. Manufacturers Hanover Corp:汉华实业银行美国34. Mellon National Corp:梅隆国民银行美国35. Milan Bank:米兰银行英国36. Mitsubishi Bank:三菱银行日本37. Mitsui Bank:三井银行日本38. Monte Dei Paschi Siena:西亚那银行意大利39. Morgan Guaranty Trust Corp. of New York:摩根保证信托银行美国40. National Westminster Bank PLC:国民西敏寺银行英国41. Royal Bank of Canada:加拿大皇家银行42. Sanwa Bank :三和银行日本43. Security Pacific Corp:太平洋安全银行美国44. Sumitomo Trust & Banking:住友信托银行日本45. Swiss Bank Corp:瑞士银行公司46. Tokai Bank东海银行日本47. Toronto-Dominion Bank:多伦多自治领银行48. Union Bank of Switzerland:瑞士联合银行49. Wesdeutsche Landesbank Girozentrale:西德意志地方银行50. Westpac Banking Corp:西太平洋银行公司澳大利亚第四部分:把下列中国主要银行的名称译成相应的英文名称1.招商银行:China Merchants Bank2.中信实业银行:CITIC Industrial Bank3.上海浦东发展银行:Shanghai Pudong Development Bank4.民生银行:China Minsheng Banking Corp.Ltd.5.光大银行:China Everbright Bank6.广东发展银行:Guangdong Development Bank7.兴业银行:Industrial Bank8.华夏银行:Hua Xia Bank9.上海银行:Bank of Shanghai10.北京银行:Bank of Beijing11.深圳发展银行:Shenzhen Development Bank12.深圳市商业银行:Shenzhen Commercial Bank13.天津市商业银行:Tianjin City Commercial Bank14.南京市商业银行:Nanjing City Commercial Bank15.宁波市商业银行:Ningbo Commercial Bank16.恒丰银行:Prudential Bank17.长沙市商业银行:changsha commercial bank18.大连市商业银行:Dalian city commercial bank19.西安市商业银行:Xian City Commercial Bank20.浙商银行:Zhejiang Business Bank。
投行面试题库丨德意志银行60个面试常见问题汇总
投行面试题库丨德意志银行60个面试常见问题汇总德意志银行是德国最大的银行,也是世界上最主要的金融机构之一。
德意志银行最早于1872年进入中国,在上海设立其第一家海外办事处。
2008年德意志银行在中国注册法人银行- 德意志银行(中国)有限公司(“德银中国”)。
德银中国是德意志银行的全资子公司,总部设在北京,并在北京、上海、广州、天津、重庆和青岛设有分行。
德意志银行还在北京和上海设有证券业务代表处。
德银校招面试流程1.网申网申地址:://www.deutsche-bank.de/index.html2.笔试笔试题一般为翻译题,汉译英,评分时翻译质量要高于翻译完成度。
3.面试(注意事项)1)准备一份简历;2)英文面试;3)对简历细节要牢记在心;4)专业知识。
60个德银常见面试问题▼Fit Q uestions1. How do you rate Deutsche Bank against our rivals?你如何评价德银与我们的竞争对手?2. Why are you right for Deutsche Bank?你为什么适合德银?3. Why is Deutsche Bank right for you?德银为什么适合你?4. Which other banks have you applied to? Why do you want to work for Deutsche Bank instead of those?你申请其他银行了吗?在众多的银行中为什么会选择德银?5. Wouldn’t you be better suited to working for another organization?在其他公司上班不是更适合你吗?6. Why do you want to work in this role in this division?为什么你想在XX部门XX岗位工作?7. What exactly do you expect to do this role?你对XX岗位的期待是什么样的?8. What’s Deutsche Bank’s current share price?德银目前的股价是多少?9. What’s likely to impact Deutsche Bank in terms of recent financial news?什么最可能影响德银金融方面的动向?10. How did you research Deutsche Bank before this interview?在面试之前,你是否了解德银?11. Talk me through your CV.和我说说你的简历吧。
德商德意志银行 Deutsche Bank
德商德意志銀行Deutsche Bank開戶同意書(簡稱AOC)此致:亞洲德意志銀行之各相關分行或附屬機構(即開戶所在㆞之相關帳戶)(各相關分行或附屬機構,以㆘簡稱「本行」)。
申請㆟(以㆘簡稱「客戶」)在隨時與本行取得確認或同意㆘,得於任何管轄區域內以任何幣別,向本行申請開立任何帳戶 (包括各類分支帳戶、儲蓄/活期存款帳戶、支票存款帳戶、信託帳戶以及/或定期存款帳戶)。
每㆒個帳戶均受本行㆒般業務往來約定書之規定及㆘列條款之約束。
同意書之範圍1.1本同意書係為方便管理多個分行或附屬機構而設(以避免各分行或附屬機構須各㉂擁㈲不同之文件)。
因此,任何關於本行之諮詢案件均應交由維護該相關帳戶之㈵定分行或附屬機構辦理,如同該分行或附屬機構已各㉂與客戶簽定同意書。
1.2對開戶同意書所㊜用之各國㊜用補充條款(每㆒國附㆒份"各國㊜用補充條款")應納入並構成本同意書之㆒部份。
帳戶之運作2本行經授權運作:-如期支付由客戶或客戶㈹表㆟所開立、簽署、背書、承兌或由本行開立或客戶指定由本行付款之全部支票、匯票、交換票據、本票或其他票據(經本行接受者為限)。
-辦理客戶之提款指示提領客戶於本行之任何存款或帳戶之任何或全部款㊠;並依客戶指示,無論以保全、保管或其他方式,本行得隨時提交或處理客戶存放於本行之任何證劵、文件或其他㈶產或㈾產。
-依客戶之指示,辦理相關外匯買賣交易。
-依客戶之指示辦理客戶之任何其他交易,或是客戶之任何事務,或帳戶㆖之任何疑問。
無論各案件於相關帳戶呈現借方或貸方餘額,或因而造成帳戶之透支與否(本行除非得已不允許任何帳戶㈲透支之情事,或同意做任何通融之安排)。
依本行規定每㆒件交易指示應使用㆘列之格式與要件:2.1依本行與客戶雙方隨時之約定,交易指示得以電子化方式或經由類似模式傳輸之。
2.2依本行與客戶雙方隨時之約定,無論㈲無客戶之㊞鑑,倘經由授權簽署㆟授權並符合授權與權責範圍時,交易指示得以書面送達本行。
最新各大投行四大快消外企SHL真题题库AptitudetestNumerLogicVerb
【最新投行| 四大|外企shl 真题题库|Aptitude test|Numer|Logic|Verb 】专门针对各大投行| 四大| 外企校园招聘、社会招聘笔试,资料包含了包含了各大投行、四大、快销等外企笔试Aptitude tests 官网全套题库【10 种题型1900 道试题详细解析】以及各大外企的100 余套shl 真题题库,适用于shl 、Kenexa、Cubiks 、TalentQ 、Saville Consulting 等测试,可作为各大投行、四大会计、各快消企业、各咨询公司等外企的笔试复习资料。
具体包括但不限于汇丰、渣打、花旗、恒生、瑞士、德意志、摩根大通、美林、巴莱克、毕马威、普华永道、德勤、安永,宝洁,联合利华、安利、玛氏、箭牌、百威、飞利浦等外企公司各职位,资料说明:本资料分为三个模块:第一部分:各大外企笔试Aptitude Tests 全套题库题库包含10 种题型1900 道试题详细解析,所有题目Questions 和Solutions 全部齐全,且含有详细解析,各种题型Tests 的套数和Questions 的数量与以下描述完全一致!!!第二部分:各大外企公司招聘历往考试的shl 真题集包含100余套shl 真题,以下列有详细目录,通常各公司为同一机构出题,且往往选自同一题库,出现原题的概率极高,因此参考性极强!!!第三部分:shl 笔试资源合集(shl 解题技巧,练习题等),包含90 余套shl 解题技巧,经典题,练习题等内容四大优势:1、aptitude tests 适用于多家公司,且带详细答案解析,不断更新2、100 多套真题题库都是历往考试真题,极具参考性,原题出现概率极高3、适用范围广,适用于 shl 、Kenexa 、Cubiks 、TalentQ 、SavilleConsulting 等测试4 、题型覆盖全面:包括 Numerical 、Logical 、Verbal 、Inductive 、 Diagrammatic 、 Situational Judgement 、 In-Tray and E-Tray 、Assessment Centre 、 Critical Thinking 、Error Checking 10 种题型第一部分:各大外企笔试 Aptitude Tests 全套题库题库 -- 与官网10 种题型 第二部分:各大外企公司招聘历往考试的 shl 真题集包含 100 余套 shl 真题, 详细目录: 获取方式或者直接掏宝联系望望名:素簌簌素保持同步更新第三部分:shl 笔试资源合集(shl 解题技巧,练习题等),该部分当日五星好评评语后获赠包含90 余套shl 解题技巧,经典题,练习题等内容,详细目录:。
世界十大投资银行简介
世界十大投资银行简介1,高盛集团Goldman Sachs高盛集团成立于1869年,是全世界历史最悠久及规模最大的投资银行之一,总部设在纽约,并在东京、伦敦和香港设有分部,在23个国家拥有41个办事处。
其所有运作都建立于紧密一体的全球基础上,由优秀的专家为客户提供服务。
高盛集团同时拥有丰富的地区市场知识和国际运作能力。
随着全球经济的发展,公司亦持续不断地发展变化以帮助客户无论在世界何地都能敏锐地发现和抓住投资的机会。
2004年,高盛实现突破,在北京建立合资公司高盛高华证券有限公司,真正进入了正在快速发展的中国金融服务市场。
2,花旗集团Citigroup由花旗公司与旅行者集团于1998年合并而成。
换牌上市后,花旗集团运用增发新股集资于股市收购、或定向股权置换等方式进行大规模股权运作与扩张,并对收购的企业进行花旗式战略输出和全球化业务整合,成为美国第一家集商业银行、投资银行、保险、共同基金、证券交易等诸多金融服务业务于一身的金融集团。
合并后的花旗集团总资产达7000亿美元,净收入为500亿美元,在100个国家有1亿客户,拥有6000万张信用卡的消费客户。
从而成为世界上规模最大的全能金融集团之一。
3,摩根士丹利Morgan Stanley从1935年到1970年,大摩一统天下的威力令人侧目。
它的客户囊括了全球十大石油巨头中的6个,美国十大公司的7个。
当时惟一的广告词就是“如果上帝要融资,他也要找摩根士丹利。
” 大摩从20世纪80年代中期就积极开拓中国市场。
于1994年在北京和上海开设办事处。
1995年,摩根士丹利和中国建设银行共同创立了中国国际金融有限公司,这是到目前为止中国批准的唯一一家合资投资银行。
2000年,摩根士丹利协助完成了亚信、新浪网、中国石化和中国联通的境外上市发行。
4,摩根大通公司JP Morgan摩根大通(JP Morgan Chase Co)为全球历史最长、规模最大的金融服务集团之一,由大通银行、J.P.摩根公司及富林明集团在2000年完成合并。
欧洲最具影响力的25位商界领袖_精英人物
欧洲最具影响力的25位商界领袖1 约翰•布朗JOHN BROWNEBP 公司(BP)英国布朗今年 56 岁,是近十年来石油工业的主要推动者。
他有十足的魅力,说话声音很好听,在管理企业方面,他完全依靠理性论证。
布朗在90 年代兼并了阿莫科公司(Amoco)和阿科公司(Arco),开启了石油行业的兼并时代,随后他又第一个在俄罗斯大力开展业务。
他现在管理著世界最大的石油公司(2003 年营业收入 2,326 亿美元),而且一直保持著“热爱环保”的美誉。
2 魏思乐DANIEL VASELLA诺华集团(Novartis)瑞士这位欧洲薪水最丰的首席执行官(去年薪酬为1,230 美元)年初碰了壁: 在收购法国安万特制药公司(Aventis)时遭到法国政府的阻挠。
然而,他没有表现出任何受挫的迹象。
他也没有理由这样做。
魏思乐现年 50 岁,曾是一名内科医生和精神病治疗师,他为把诺华集团这家一度停滞的瑞士公司打造成大胆创新的药业巨人立下了汗马功劳。
去年,公司实现收入249 亿美元,盈利50 亿美元,跻身全球第五大制药公司。
3 蒂埃里•德马雷THIERRY DESMAREST道达尔公司(Total)法国在全球石油行业的要人中,法国最大公司(世界500 强第10 位)的这位首席执行官举止很文静。
但不要被他温和的外表所蒙蔽。
这位58 岁的前公务员正因为被对手低估而建起了一番事业。
1999 年,它在法国的对手埃尔夫公司(Elf)企图收购道达尔,结果反被德马雷收购。
道达尔由此成为石油业不折不扣的超级巨人,去年销售额1,184 亿美元,盈利 80 亿美元。
4 迈克尔•狄克曼MICHAEL DIEKMANN安联公司(Allianz)德国2003 年 5 月,默默无闻的安联公司局内人狄克曼接掌了这家欧洲最大保险公司的管理大权,当时的安联遭受了一连串天灾人祸(如中欧的洪水、买下德累斯顿银行后出现意想不到的亏损)的重创,快要垮了。
他上任的第一件事就是警告高层管理人员,要求他们完成业绩目标,否则就主动辞职,要不然,他就炒了他们。
德意志银行
德意志银行德意志银行股份公司是德国最大的银行和世界上最主要的金融机构之一,总部设在美因河畔简介德意志银行(Deutsche Bank)全称德意志银行股份公司,是一家私人拥有的股份公司,是德国最大的银行和世界上最主要的金融机构之一,总部设在美因河畔的法兰克福。
其股份在德国所有交易所进行买卖,并在各地挂牌上市。
德意志银行集团总人数74000人,为约800万名顾客提供服务,包括世界各国的个人、企业、政府机构、银行和公共机关等。
德意志银行拥有资产超过9960亿马克,约为人民币42000多亿元。
历史背景德意志银行1870年成立于德国柏林,不久便在不莱梅和汉堡建立分行;往后各年,其分行相继在上海、横滨、伦敦成立。
1876年,德意志银行收购德意志联合银行和柏林银行协会,成为德国最大的银行。
从一建立,德意志银行便从事世界大型项目的融资,在德国及海外工业化的融资方面起着重要作用。
被公认为世界上首要的金融机构之一。
德意志银行保持着庞大的遍布全球的分支和附属机构网络,截至1996年6月30日,它在德国设有1662个分支机构,海外设有780个。
在各国都设有分支机构或附属机构。
特别是1995年,德意志银行获得了重大发展:创建了一种新型银行(24银行);德意志银行股票面值变为5马克,发起了德意志银行在美股票的“美国一级预托证券计划”;收购圣路易斯ITT商业金融公司(密苏里),与德意志信贷公司合并,组建了德意志金融服务公司。
此外,还组建了一家从事投资银行业务的公司--德意志摩根建富;收购金融和期货有限公司--意大利第五大资金管理公司;建立开展私人银行业务的德意志银行纽约信托公司。
业务范围德意志银行是一家全能银行,在世界范围内从事商业银行的投资银行业务,对象是个人、公司、政府和公共机构。
它与集团所属的德国国内和国际的公司及控股公司一起,提供一系列的现代金融服务,包括吸收存款、借款、公司金融、银团贷款、证券交易、外汇买卖和衍生金融工具。
王关富商务英语阅读第二版参考译文chapter10
U10The alchemists of finance金融魔法点石成金May 17th 2007From The Economist print edition(本文由ECO论坛dtchengxc翻译,原文版权归经济学人集团(The Economist Newspaper Limited)所有,译文版权归译者所有,未经授权,不得转载,谢谢合作!)漫画作者玛丽亚•吉夫斯(Maria Jeeves)Global investment banks are taking ever more risk, and are devising ever more sophisticated ways of spreading it, says Henry Tricks. Is that reassuring or worrying?亨利•特里克斯(Henry Tricks)说:“全球的投资银行正承受着越来越大的风险,也在设计着越来越复杂的分散风险的方法。
”这究竟是会让人放心还是让人担心?AT LEAST since 1823, when Byron's Don Juan described “Jew Rothschild, and his fellow Christian Baring” as the “true Lords of Europe”, investment bankers have inspired awe, envy and, rightly or wrongly, a measure of disdain. Exactly 100 years ago the undisputed patriarch of the modern industry, J. Pierpont Morgan, stemmed the Panic of 1907, a financial crisis caused by unregulated trusts (the hedge funds of their day). Acting, in effect, as lender of last resort from his Wall Street office, he was briefly feted before Americans realised the danger of having such power vested in one man. Cartoonists then mercilessly mocked him. After his death in 1913 the Federal Reserve was set up.不晚于1823年——那时拜伦(Byron)在《唐璜》(Don Juan)中将“犹太人罗思柴尔德(Rothschild)和他的同伙基督徒巴林(Baring)”称为“欧洲真正的主宰”,投资银行家们博得了敬畏、羡慕以及一定程度的蔑视——不管这正确与否。
海归就业德意志银行kenexapsl题库-numerical和verbal总结+补充
海归就业德意志银行K e n e x a P S L题库-最新n u m e r i c a l和v e r b a l总结+补充(总4页)-CAL-FENGHAI.-(YICAI)-Company One1-CAL-本页仅作为文档封面,使用请直接删除【海归就业】德意志银行Kenexa/PSL题库-最新numerical和verbal总结+补充!昨天在最后时刻做完了online test,申请的是海外的Siemens,和DB等一样用的都是Kenexa(收购了PSL)出的题;之前我在DB这里把几乎所有帖子的资料都下了(钱就该这时侯花啊)基本上在真实测试的时候全部都押上了!很感谢无私奉献的童鞋们!所以为了回馈大家,我也来报告一下我的测试经历和遇到的新题。
numercial的话,德意志DB+渣打SC+瑞士信贷CS+美林ML+巴克莱Barclays 都用的是Kenexa/PSL的题,很多童鞋问为什么DB的版块下载下来会有SC的题就是这个原因(我在个别原帖也回复了)建议大家把经典的题做熟做透,一定要明白算法!多去SC那边转转,争取饼图,线图,表格每种题型都有练到;这样在真实测试的时候即使数据有变动也不会影响到你的速度。
给大家回忆一下我昨天的测试大概包含的题型吧。
就口述吧,不整什么花钱下的东西了,因为DB这里SC那里都有好心童鞋分享。
1. numercial是20分钟20道题,我做完18道,老题占30%左右,连问题变化都不大。
饼图:petrochemicals (crude oil production)-就是原油,60 Million barrels那道,有些百分比变了而已;一个group year 1和year 2的advertising,branding,consulting等几项业务收入,第一年是$ million表示的,第二年是百分比;表格:Anchor Global Insurance那道,几个region(US,South East Aisa,UK,等),告诉了full time和part time员工的数量还有费用支出;有个问题问全职员工费用上涨而兼职的减少,总共费用增加多少?这里特别感谢有位渣打那边的童鞋做的资料,算法步骤都有,我刚刚看完就考了,谢谢你啊!红彤彤的82和4.2在我脑子里过目不忘另外一个表格题就是股票题,四个公司(Dirtar,Skanol等)issue,high,low,latest分别股价是多少,marketcapitalisation多少,目前市面上多少流通股;第一个问题我印象特别深刻,问的是发行时哪家capitalisation最大,我选的是cannot say,因为我认为在发行时有多少股的数据没给,所以不知道;最经典的老题,那道register of exam,grade 1-3的火辣辣的出现了!问题答案都没变,不要问我为啥选565哈~~就是印度和尼泊尔demographic的信息,给了5年前和现在的人口,出生率,城乡比率,计算多少人住在城市什么的,不难;文具供应商(rettel,shogo等)那道,问如果开发了新package省了多少之类;最需要大家注意的是汇率题,给了year 1和year 2里1£等于多少Yen,CHF,MYR,问第一年换成一种货币第二年再换回来什么的,没有做过这类题的童鞋或许很纠结,不妨去熟悉一些SHL这类型的题,对理清思路很有帮助;比较新的有一道,average vehicle speed;给了汽车在不同年份的早中晚三个时刻中,三个区域central area,inncer area,outer area的不同均速kph(俺的记性真好。
世界各大银行的中英文名称对照
世界各大银行的中英文名称对照阿比国民银行Abbey National 英国巴克莱银行Barclays Bank PLC. 英国巴黎国民银行Banque Nationale de Paris 法国巴西银行Banco Do Brasil 巴西大和银行Daiwa Bank 日本大通曼哈顿银行Chase Manhattan Bank 美国德累斯顿银行Dresdner Bank 德国德意志银行Deutsche Bank 德国第一劝业银行Dai-Ichi Kangyo Bank 日本第一洲际银行First Interstate Bancorp 美国东海银行Tokai Bank 日本东京银行Bank of Tokyo 日本都灵圣保罗银行Istituto Bancario SanPaolo Di Torino 意大利多伦多自治领银行Toronto-Dominion Bank 加拿大富士银行Fuji Bank 日本国民劳动银行Banca Nazionale del Lavoro 意大利国民西敏寺银行National Westminster Bank PLC. 英国荷兰农业合作社中央银行Cooperatieve Centrale Raifferssen-Boerenleenbank 荷兰荷兰通用银行Algemene Bank Nederland 荷兰花旗银行Citibank 美国汉华实业银行Manufacturers Hanover Corp. 美国汇丰银行Hongkong and Shanghai Banking Corp. 香港加拿大帝国商业银行Canadian Imperial Bank of Commerce 加拿大加拿大皇家银行Royal Bank of Canada 加拿大劳埃德银行Lloyds Bank PLC. 英国里昂信贷银行Credit Lyonnais 法国伦巴省储蓄银行Cassa Di Risparmio Delle Provincie Lombarde 意大利梅隆国民银行Mellon National Corp. 美国美洲银行(全称\"美洲银行国民信托储蓄会\") Bank America Corp( \"Bank of America National Trust and Savings Associations\") 美国米兰银行Midland Bank 英国摩根保证信托银行Morgan Guaranty Trust Corp. of New York 美国纽约化学银行Chemical New York Corp. 美国纽约银行家信托公司Bankers Trust New York Corp. 美国农业信贷国民银行de Caisse Nationale Credit Agricole 法国日本兴业银行Industrial Bank of Japan 日本瑞士联合银行Union Bank of Switzerland 瑞士瑞士信贷银行Credit Suisse 瑞士瑞士银行公司Swiss Bank Corp. 瑞士三和银行Sanwa Bank 日本三井银行Mitsui Bank 日本三菱银行Mitsubishi Bank 日本太平洋安全银行Security Pacific Corp 美国西德意志地方银行Westdeutsche Landesbank Girozentrale 德国西太平洋银行公司Westpac Banking Corp. 澳大利亚西亚那银行Monte Dei Paschi Di Siena 意大利意大利商业银行Banca Commerciale Italiana 意大利意大利信贷银行Credito Italiano 意大利芝加哥第一国民银行First Chicago Corp. 美国中国银行Bank of China 中国住友信托银行Sumitomo Trust & Banking 日本。
德意志银行的面试指南
德意志银⾏的⾯试指南德意志银⾏的⾯试指南Our ProcessThe Deutsche Bank Recruiting ProcessDeutsche Bank’s recruiting process is designed to help us identify and hire the very best people available in the fairest manner possible. If you want to work for us, and you have the right capabilities and experience, you will find that our process will give you a chance that is equal to those of all others we consider for positions.However, we also ask you to consider your application carefully. Your career choice is incredibly important and there are many industries and employers to consider. Before accepting our offer we want you to be sure that you feel as excited about working for us as we are about having you join Deutsche Bank.Although the precise timeline, number of steps, and evaluation process varies somewhat across our global organization and many divisions, the common elements for most positions at Deutsche Bank include:Step one: the online applicationStep two: in-person interview(s)Step three: job offerThe Online ApplicationThe first step in Deutsche Bank抯 recruiting process is our online application form (available through our website at /careers). All applicants to Deutsche Bank must complete our online application form, regardless of whether or not you attend a school at which we recruit. When you complete the form, you will be asked to indicate your job and regional preferences. You will also be asked to share information about your background and relevant experiences. This is your opportunity to make the case for why you would be an outstanding employee for Deutsche Bank.On our side, recruiters review every online application that we receive. After they抳e reviewed your online application our recruiters will contact you to let you know whether you’ve been selected to proceed to step two of the interview process. The Interview ProcessIf you successfully pass the initial evaluation based upon your online application, you will be invited to interview with a member of our recruiting team. Depending on your geographical location and whether we are recruiting on your campus, we will conduct the interview on campus, in an arranged location (for example, a hotel), or in a Deutsche Bank office. Deutsche Bank targets and recruits for region-specific jobs at a number of key schools in a variety of regions around the world.The interview process typically consists of one to three rounds of interviews, and can also include quantitative tests, language tests, and case studies. However, the specifics of the process vary depending on the region and the position. For instance, the process for undergraduate candidates for full-time Global Markets Analyst positions in Australia consists of three rounds of interviews and a series of aptitude tests, while the process for full-time Global Corporate Finance Associate positions in the U.K. consists of two face-to-face interviews followed by a 揝uper Saturday?series of final-round interviews in London.Please check the recruiting details page for the region where you want to work for more details.Decision ProcessesOur recruiters will contact you after each stage of the process to let you know our decision. If you have not selected to move forward, the contact will be via e-mail. If you are selected to move forward to the next step, we will typically call you. We call all candidates who reach the final round of interviews to let them know whether they will be receiving a job offer.If we don’t select you to interview with us, we will leave your application open until all potential opportunities within your desired position/region are filled in order to ensure you have maximum opportunity for selection.It is also possible that a recruiter may pass your application to another division if it appears that you would better fit a different position in Deutsche Bank. If the recruiter who receives your forwarded application wishes to proceed with you, we will contact you to set up an interview. If all programs for that region/division are filled, you will receive an email notification that your application has been closed.When to ApplyThe application timetable varies by region and by position. For example, we accept applications for U.K. summer and full-time Associate and Analyst positions starting on September 1, while we accept applications for positions in Germany year-round.Please check the description of that regional position for details on timetables.Getting StartedWhat you need to know, where do you begin and how do you focus your job search?Firstly you'll want to do a little research on the industry and think about whether a career in an investment bank is right for you.. Take a look at the "how to prepare" article in this section for some research tips. For certain, you shouldn't go into banking just for the money, the lifestyle is to demanding. To do well and excel in this world, you will need to really enjoy the work itself as well as the rewards.You begin your job search, and, from what you've heard so far, you want to give investment banking a shot. But there's one small problem: You're not exactly sure what an investment bank does, so convincing the recruiter you're perfect for the job is gong to be a challenge.Investment Banking isn’t one specific service or function. It's an umbrella term for a range of activities. At Deutsche Bank these activities are grouped into divisions and each division has opportunities for graduates. Research these areas thoroughly before making your decision.To do this firstly you need to talk to people working in investment banks. You can do this by attending presentations and other events. A listing of the global Deutsche Bank presentations can be found in 'Events'. When you go to presentations make sure you talk to the business representatives, ask them questions and make an impression.At university, the best sources of information are people who have spent a summer internship at an investment bank. Your alumni network should also be useful. Read lots of career guides and profiles in the 'Meet our People' section is an excellent source of information.Competition is fierce and you'll need to be resourceful and persistent. Doing a summer internship in an investment bank is the best possible way of finding the right fit for you, as well as being that all important foot in the door.And once you've have talked to all the people you can and read as much information as possible you're ready to prepare for the online application.Our ProcessThe Deutsche Bank Recruiting ProcessDeutsche Bank’s recruiting process is designed to help us identify and hire the very best people available in the fairest manner possible. If you want to work for us, and you have the right capabilities and experience, you will find that our process will give you a chance that is equal to those of all others we consider for positions.However, we also ask you to consider your application carefully. Your career choice is incredibly important and there are many industries and employers to consider. Before accepting our offer we want you to be sure that you feel as excited about working for us as we are about having you join Deutsche Bank.Although the precise timeline, number of steps, and evaluation process varies somewhat across our global organization and many divisions, the common elements for most positions at Deutsche Bank include:Step one: the online applicationStep two: in-person interview(s)Step three: job offerThe Online ApplicationThe first step in Deutsche Bank抯 recruiting process is our online application form (available through our website at /careers). All applicants to Deutsche Bank must complete our online application form, regardless of whether or not you attend a school at which we recruit. When you complete the form, you will be asked to indicate your job and regional preferences. You will also be asked to share information about your background and relevant experiences. This is your opportunity to make the case for why you would be an outstanding employee for Deutsche Bank.On our side, recruiters review every online application that we receive. After they抳e reviewed your online application our recruiters will contact you to let you know whether you’ve been selected to proceed to step two of the interview process. The Interview ProcessIf you successfully pass the initial evaluation based upon your online application, you will be invited to interview with a member of our recruiting team. Depending on your geographical location and whether we are recruiting on your campus, wewill conduct the interview on campus, in an arranged location (for example, a hotel), or in a Deutsche Bank office. Deutsche Bank targets and recruits for region-specific jobs at a number of key schools in a variety of regions around the world.The interview process typically consists of one to three rounds of interviews, and can also include quantitative tests, language tests, and case studies. However, the specifics of the process vary depending on the region and the position. For instance, the process for undergraduate candidates for full-time Global Markets Analyst positions in Australia consists of three rounds of interviews and a series of aptitude tests, while the process for full-time Global Corporate Finance Associate positions in the U.K. consists of two face-to-face interviews followed by a 揝uper Saturday?series of final-round interviews in London.Please check the recruiting details page for the region where you want to work for more details.Decision ProcessesOur recruiters will contact you after each stage of the process to let you know our decision. If you have not selected to move forward, the contact will be via e-mail. If you are selected to move forward to the next step, we will typically call you. We call all candidates who reach the final round of interviews to let them know whether they will be receiving a job offer.If we don’t select you to interview with us, we will leave your application open until all potential opportunities within your desired position/region are filled in order to ensure you have maximum opportunity for selection.It is also possible that a recruiter may pass your application to another division if it appears that you would better fit a different position in Deutsche Bank. If the recruiter who receives your forwarded application wishes to proceed with you, we will contact you to set up an interview. If all programs for that region/division are filled, you will receive an email notification that your application has been closed.When to ApplyThe application timetable varies by region and by position. For example, we accept applications for U.K. summer and full-time Associate and Analyst positions starting on September 1, while we accept applications for positions in Germany year-round.On line ApplicationsWhat do you look for in candidate resumes/CVs?Our online application is the only method of application we accept條evels the resume/CV field to a consistent format that helps us to most effectively review and evaluate your qualifications. But just because our form is standardized, doesn’t mean we want cookie-cutter responses. Look for ways you can differentiate yourself.。
德意志联邦银行介绍
与欧洲中央银行的兲系
1、欧洲中央银行的框架主要以德意志联邦银行的操作模 式为蓝本,其目标和组织结构都是按照德国央行设置的, 欧洲中央银行将具有与德意志联邦银行同样的独立性,甚 至更强。 2、德国是欧洲联盟内经济实力最强的国家,也是欧盟内 最大的贸易进出口国和对外投资国,这得益于经济与货币 联盟在欧盟内产生的完善市场机制的效应,促进了德国经 济的发展。 3、德意志联邦银行提出的处理货币政策与经济政策目标 之间兲系的原则以及确保中央银行独立地位的法规为货币 联盟下相兲体制的构造提供了重要的参照。
资料来源:
《比较银行制度》 孙树茜,张贵乐著 中国金融出版社 《西方货币银行学》李崇淮,黄宪著 中国金融出版社 《欧元的诞生与影响》钟鑫,吴华著 经济管理出版社 《欧洲货币联盟的理论基础与运作机制》雷志卫著 中国金融出版社 德意志联邦银行的官方网站谢谢观赏!Fra bibliotek货币政策
• 目标:保卫货币,调控流通中的货币及 信贷供应,维持货币币值稳定,控制物 价上涨,特别是要防止国际收支顺差和 间歇性的外资流入。 • 效果:降低通货膨胀预期,提高货币政 策的可信度。
货币政策
• 工具:自1974年实行浮动汇率以来,重 要手段是通过贴现政策、公开市场操作 、存款准备金制度以及外汇政策等。联 邦银行执行货币政策时,按经济发展需 要来确定货币量的增长,而控制货币供 应量的重点是控制中央银行货币(即流 通过程中所有的现金和商业银行在中央 银行的存款准备金),并间接控制其他 货币。
德国中央银行具有较大独立性表现在:
• 国家的货币信用政策由中央银行理事会独立决定。联邦银行 将“保卫币值”作为自己的重要目标,在对政府经济政策的 支持与中央银行自身谨慎的货币政策相冲突时,联邦银行有 权选择后者。 • 联邦银行行长以及其他负责人是由联邦总统根据联邦议会的 建议任命的,任期长达8年,比联邦总统5年的任期要长得多 。这形成了一个保证中央银行各项政策独立性和连续性的环 境,不至于由于政府首脑更迭而造成中央银行领导层的过多 变动。 • 根据法律规定,联邦政府成员有权参加中央银行执行董事会 商议有关货币、金融和经济政策的会议,在会议上,政府成 员有权向中央银行理事会提出动议,但没有表决权。在对讨 论的问题有重大异议时,政府成员可要求中央银行执行董事 会推迟表决,但这种推迟最长不能超过两周,当两者之间出 现严重分歧时,由联邦议院作出终裁。这也就是说,德国中 央银行向联邦议院负责。
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9.Communication technologies are far from equivalent.A recent study comparing honesty across a range of different media revealed that people were twice likely to tell lies when using the phone than when communicating via e-mail.It had previously been assumed that people would be more inclined to fabricate the truth when using e-mail,due to the remoteness of the interaction making people more comfortable about deceiving others.On the contrary,it seems that anxiety over the accountability afforded by the recording of e-mail exchanges induces greater truthfulness.However,the research also noted that people are much more likely to be rude or insulting over e-mail,outweighing any benefits of increased honesty!An implication of the study is that if telephone conversations are recorded and people are aware of this fact,they are likely to be more truthful over the phone.TPeople are unconcerned about the repercussion of e-mail untruths.FIt had been assumed that people would communicate more honestly when using e-mail than when using the telephone.F10.There is often considerable scientific disagreement both about available reserves of natural resources and about the extent of environmental damage caused byparticular pollutants.Even where the scientific evidence is incontrovertible.There may be political conflict,based on different vested interests,over the degree to which particular environmental controls should be ernments may,for example, refrain from introducing effective control if they fear these will adversely affect company profitability or jobs,even where the environmental cost of not introducing controls are considerable.There is always scientific debate around the facts regarding the reserves of natural resources.TVery rarely is there conflict over the degree to which particular environmental controls should be accepted.FParties with a vested interest are more influenced by politics than science when deciding whether to implement environmental controls.T/C11.Whilst high visibility crime such as night-time drunken disturbance has increased,total urban and rural crime,both reported and unreported,has fallen over the last two years,yet paradoxically people feel less safe,believing that the converse is the case.This fall in crime has coincided with a drop in the number of police officer on the street.A citizen’s fear of crime seems not to be a matter of reality at all-the visibility of law enforcement officials has a greater impact on their view of reality than hard facts.Reducing the number of police officer has led to a reduction in crime.CCrime statistics support popular belief about the level of crime.FPeople feel safer when there are more police on the street.C/T12.There is no task more difficult than that of ensuring the education of children in modern society.Not only school,but also teachers and their roles have changed out of all recognition in the past few decades,thanks to the impact on teaching institutions by indoctrinating,and indoctrinated,reformist intellectuals bearing revolutionary ideas.To the perpetual indiscipline of youth has now been added the indiscipline of parents,many of whom interpret any reports of wrongdoing in school on the part of their offspring as a personal affront,or as the manifestation of the malice of teachers. As for the teachers themselves,whilst many are respectable and learned men and women,who view it as their vocation to induct their charges into a civilization and a way of behaving,others attempt to influence youth merely to further their political or ideological ends.Some of those working in education have their own hidden agendas.C/TTeacher with revolutionary ideas will attempt to influence their pupils for their own political ends.FSome teachers who report children of wrongdoing do so because of malice,rather than nay legitimate reason.C13.Last week,the competition commission outlined two packages to regulate the sale of extended product warranties,which provide repair/replacement for faulty goods beyond the manufacturer’s original guarantee.Whilst warranty sales are currently highly profitable,with some retailers attributing up to¾of their profits to this income stream,they are also criticized for offering poor value for money due to obscure clauses,which restrict payment in many,but the most unlikely claim scenarios.The first package-to ban retailers selling a full warranty on the day of purchase was condemned by all as draconian-whilst the other,rather milder,option of forcing retailers to provide full information on warranty exclusions and an obligatory 60–day“cool-off”period for customers,received a more balanced hearing.Because no one believes that the first option will ever be implemented,investors and analysts have focused more closely on the implication of the“milder”package.In a recent leaked research note,one analyst suggested that the implementation of the reform in the second package would place a staff-training burden on the retailer, which would lead to a significant increase in the cost of warranty sales,and a predicted20%fall in actual sales.“Cool-off”periods are not currently offered by companies selling product warranties.TIt is likely that neither package will be implemented.CPreventing retailers from selling warranties on the day of purchase of a product was felt to be too severe a restriction.T14.All scientific knowledge is provisional.Everything that science knows,even the most mundane facts and long-established theories,is subject to re-examination as new information comes in.the latest data and ideas are scrutinized the most.Some recantations will be unavoidable,but this is not a weakness of science,but rather its strength.No endeavor rivals science in its incremental progress towards a more complete understanding of the observable universe.Science improves understanding on the basis of leaving those theories that appear to work.FSome facts in science cannot be challenged if any progress is to be made.C/FThat which is not observable cannot be part of the domain of science.C15.The Statute on workplace safety requires that an employer should ensure,so far as is reasonably practicable,the health,safety and welfare at work of all full and part time employees,and also those not in direct employment who may be affected by acts or omissions at work.However,it is also the duty of employees to take reasonable care for their own health and safety and also that of other persons whomay be affected by their acts or omissions at work,for example by complying with all notices on health and safety that are posted.If a workplace visitor is hurt due to an act of negligence by an employee then the employee may be held solely responsible.C/FAn employer has responsibility for the safety of visitors to his factory.TEmployees have negligible responsibility for workplace health and safety.F16.Today’s historians aim to construct a record of human activities and to use this record to achieve a more profound understanding of humanity.This conception of their task is quite recent,dating from the development from18th and early19th centuries of scientific history,and cultivated largely by professional historians who adopted the assumption that the study of natural,inevitable human activity.Before the late18th century,history was taught in virtually no schools,and it did not attempt to provide an interpretation of human life as a whole.This is more appropriately the function of religion,of philosophy,or even perhaps of poetry.That which constitutes the study of history has changed over time.T/CProfessional historians did not exist before18th century.CIn the17th century,history would not have been thought of as a way of understanding humanity.T17.Whilst having similar effects on employees,there tend to be major difference between a merger and an acquisition.In an acquisition,power is substantially assumed by the new parent company.Change is often swift and brutal as the acquirer imposes its own control systems and financial restraints.Parties to a merger are likely to be evenly matched in terms of size,and the power and cultural dynamics of the combination are more ambiguous,integration is a more drawn out process.During an acquisition,there is often more overt conflict and resistance and a sense of powerlessness.In mergers,because of the prolonged period between the initial announcement and full integration,uncertainty and anxiety continue for a much longer time as the organization remains in a state of limbo.There tends to be a major power difference between parties in an acquisition.T Mergers and acquisition tend to have distinctly different impacts on employees.F Mergers yield a shorter period of anxiety and uncertainty amongst employees.F 18.Management is,in effect,the catalyst that is essential for converting the resources and raw material inputs of the operation into valued outputs and,in the process,ensuring that stakeholder needs are satisfied.Managers represent the critical factor,which economists refer to as“enterprise”,without which the other factors (land,labor and capital)cannot function.Managers are effectively the custodians ofthe organization’s resource,responsible for deciding what the resources should be used for,how best to use them,and to which customers the outputs should be targeted.Stakeholder needs are best served through the creation of valued outputs.CManagement has at least two major but different responsibilities.TManagers must decide how best to handle all the resources at their disposal.T19.There is no doubt that vegetarian food can be healthier than a traditional diet–indeed,research has demonstrated that vegetarians are less likely to suffer from heart disease and obesity than those who eat meat.One long-standing concern about a vegetarian lifestyle is the risk of failing to take in enough protein.However,historical calculations as to the amount of protein needed for a healthy lifestyle have recently been shown to overestimate the quantities needed,and if vegetarian select their food carefully they should be able to meet their protein needs.A balanced diet is more likely to promote health than any particular food or foodgroup in isolation.C/FToo much protein in the diet can lead to heart disease.COver time the recommendations as to what constitutes a healthy balanced diet have changed.C20.Water,the most common liquid used for cleaning,has a property called surface tension.Molecules in the body of the water are surrounded by other molecules, but at the surface a“tension”is created as molecules are only surrounded by other molecules on the waterside.This tension inhibits the cleaning process,as it slows the wetting of surface due to tension causing the water to bead up.This is where water droplets hold their shape and do not spread.For effective cleaning to take place “surface tension”must be reduced so that water can spread.Surface-active agents,or surfactants,are chemicals,which are able to do this effectively.Surface-active agents,or surfactants,are only used for cleaning.CWater is the only known liquid used for cleaning.FIf surfactant chemicals are added to water when cleaning a surface,surface tension will occur.FThe molecules on the waterside hinder the cleaning process.C/T21.The biggest risk facing the world’s insurance companies is possibly the rapid change now taking place within their own ranks.Sluggish growth in core markets and intense price competition,coupled with shifting patterns of customer demand and the rising cost of losses,are threatening to overwhelm those too slow to react.Insurance companies are experiencing a boom in their core markets.FInsurance companies are competing to provide best prices to customers.TInsurance companies are coping well with increased price competition and rising losses.F22.Short-sightedness is to a large extent inherited,its incidence varies from one family to another.The reason behind the link between the common incidence of short-sightedness and high intelligence is unclear.Previous generations thought that eyes could become strained by years spent poring over books,but a few decades ago the popular medical view was that short-sighted people gravitated towards the library because they found it hard to excel at sports.Recently there has been partial support for a theory that high intelligence and short-sightedness may,in fact,be part of a genetic package.The genetic link between intelligence and short-sightedness has recently been disproven.CPeople from all families stand at an equal chance of being short-sighted.FIntelligence is to a large extent inherited.C23.The cosmic microwave background(CMB)radiation is the afterglow from the Big Bang,and weak as it may be today,these primeval microwaves hold valuable information about fundamental properties of the early universe.Slight differences,or anisotropies,in the brightness and polarization of the CMB reveal clues about the nature of the primeval plasma:that the discrepancies exist at all shows that the plasma was not perfectly uniform.The variations in the brightness seen in the CMB reflect differences in the density of the primordial plasma,whereas the anisotropic polarization reveals information about the dynamics of the early universe,such as the movement of material and the number of gravitational waves.The CMB,however,is not the only source of polarized microwaves and the cosmological polarization must thus be measured at different wavelengths so as to isolate them from foreground signals.The anisotropies of the CMB show solely that the primordial plasma was not uniform.FThe polarization of cosmic microwaves is measured at different wavelength so as to separate the foreground from the background signals.TThrough studying the cosmological microwaves,one may learn about the forces of gravity in the early universe.24.Internet experts are warning of a new multitude of extremely dangerous computer viruses that have recently been causing devastation and could potentially cripple entire global computer systems.These viruses can replicate thousands of copies within hours and are capable of extirpating security software that,in turn, enables hackers to appropriate control of the machines.Criminal gangs can then establish bank accounts using stolen identities,sabotage a company’s computersystem and extort money for its restoration,and sell computers that have been interfered with on the black puter users are often advised to refrain from opening suspicious program attached to the emails and to continually update their security software.Internet experts are advising computer users to replace their software if they suspect it has been tampered with.C25.For most people,any reference to hypnosis brings to mind images of individuals involved in amusing,and often out of character,behavior.However, hypnosis is also a topic of scientific research.Research by scientists over the last few decades has revealed ways in which memory processes,and processes involved in pain perception can be changed using hypnosis.It has also been found that hypnotic suggestions can regulate activity in identifiable sections of the brain and can contribute to the effective management of cognitive conflict.Findings from several related brain imaging studies,for example,have suggested that people under hypnosis cab exhibit reduced level of brain activity in both visual area and the anterior cingulate cortex.Disparate research has already established the role of these brain structures in the monitoring the cognitive conflict.Workers are becoming increasingly concerned about company relocation due to its association with employee distress and isolation,which can be caused by issues such as the management of property transitions and loss of community ties.Furthermore, moving home can put a strain on worker’s financial resources and close relationships, especially for those working parents who may feel guilty about moving children to new schools.Regardless of the disruption created,some individuals are very willing to relocate,due to the potential for enhanced career prospects and long-term financial stability.Some people may feel guilty about the consequences of relocating.TCompany relocation has increased.CThe potential benefits of job relocation are seen,by some,to be worth the associated distress and strain.T26.Political,economic and demographic developments are combining to increase the wealth of individuals leading economies.These individuals take a much more active role in managing their personal financial affairs and in determining how their assets should be invested for their long-term benefit.As a result,we are seeing the emergence of a new market,consisting of so-called“affluent individuals”.This structural trend is set to continue and will provide significant opportunities for financial services providers.This band of individuals has traditionally been dominated by old money inheritance,and this will remain a factor,but the rise of new affluent money is increasing as individuals benefit from higher salaries and compensation inthe form of stock options.These new affluent individuals are also creating wealth as small business entrepreneurs.Affluent individuals want to manage their own assets rather than use financial service providers.FIndividuals cannot become“affluent”through inheriting old money.FInherited old money will be completely replaced by new affluent money.FThat which is not observable cannot be part of the domain of science.C 27.At the moment of GTC,like other European producers,is able to relieve at least some of its over-capacity by exporting,partly to Central America.A decade from now,that region will be largely self-sufficient and trade will be starting to flow the other way.However,for GTC investors,the company’s recent restructure could herald better times.The group’s lack of focus and lack-lustre returns have been much criticized of late.Central America will,in the future,begin to export less to Europe.FCentral American producers will find a ready market for their products in Europe.CRestructuring generally produces an increase in profitability.C28.The increasing fragility of the rural economy will be the biggest challenge facing country communities over the next ten years.Agriculture,which accounts for a quarter of rural job,is in decline.Tourism provides no more than half this number of job.The rural manufacturing sector,however,has grown over last ten years.Despite this,it still employs fewer than one in twenty people living in rural area,and is threatened by companies based in industrial areas,which benefit from access to a larger skilled workforce and better transportation networks.Industries based in rural areas benefit from better transport links.CManufacturing provides the fewest jobs in the countryside.CThe manufacturing sector is likely to be the main source of employment for rural workers in the future.CIndustries based in rural areas suffer from poorer transport links.T29.In recent years,many issues have been considered when attempting to ameliorate the wellbeing of patients and the efficiency of hospital administration. Patients have often complained about endless waiting lists,low standards of cleanliness,poor hospital food,and unsatisfactory doctor-patient communication and now,according to an expert from a leading image consultancy,doctors’dress codes and their general appearance must come under close scrutiny.Of healthcareprofessionals have an unwashed appearance,dirty nails or unkempt hair,this exudes the impression of recklessness,wearing red reminds patients of blood,and power dressing is discouraged because patients may feel undermined and less relaxed. Although campaign groups approve of healthcare professionals leading by example with high standards of hygiene in hospitals,some individuals argue that this potential new image legislation is merely a case of jumping on the bandwagon of the current media trend for home and lifestyle makeovers.Individuals have argued that the current media trend for lifestyle makeover is direct result of the concern over the image of new legislations.New hospital legislation states that healthcare professionals must have clean fingernails.TIt is always preferable for healthcare professionals to wear blue instead of red.C30.One of the great paradoxes of entrepreneurship is that entrepreneurs must develop the capacity to engage the urgent with the emergent.Routine pressures force us to allow the urgent to dominate us,quarterly reports,market share,and tangible return on investment become paramount in this paradox,emergent(strategic)issues are often lost.The urgent presents itself in tangible shape and form,whereas the emergent is subtler in its appearance.Entrepreneurs need to pre-sense emergent reality,thus they require more than ordinary attentiveness.However,information consumes the attention of the recipient,and urgent information is by nature more demanding of attention than emergent.Yet it is an awareness of the emergent that frequently distinguishes the successful leader,the individual who can see through the reactive demands of day-to-day urgency to act rapidly upon the emergent trends that,if capitalized upon, can ensure commercial triumph.One way of ensuring time to identify the emergent is to make time for reflective moments in work life in order to restore the quality of attentiveness and see through the fog of the immediate.It is easier to spot an emergent trend than an urgent issue.FThe present tends to be governed by the immediate demands.TIt is easy to lose sight of the strategic issues given the demands that immediate issues make.T31.Some doctors claim that any information received from a patient during a medical consultation is subject ethically to absolute confidentiality and can in no circumstance be revealed without the patient’s permission.Without such a rule,they believe that patients would not supply all of the information needed to treat them. Most however,believe that their obligations to society override their obligations to their patients;for example,being prepared to report to the police a patient who persisted in driving,despite the existence of a condition that rendered them unsafe.One reason for such a conflict is that whilst courts recognize the confidentiality of exchange between lawyers and clients,this is not extended to doctor and patients.A doctor would report to the police a patient who was a danger to others.TPatients rarely give permission for a doctor to discuss their medical details with others.CDoctors are in agreement about the ethics and practice of patient confidentiality.F32.Private airline companies have always been determined to operate a transport system that is safe for passengers,whilst still remaining competitively priced and commercially viable.However,a private sector business can only remain viable if it generates profits for its shareholders.Recent reports suggest that if all aircrafts were fitted with military derived ground-to-air missile defense system,and at all airports there was infallible screening for weapons and explosives then the system would be much safer.However,totally effective screening would preclude all possibility of profit,and current systems are still very thorough,whilst also providing a good cost-benefit ratio.Military aircraft are safer than commercial craft.TMore effective airline security systems than are currently in use are available.T Current airline security systems provide the best possible mix of cost against benefit.C33.The location of a shop operated by a charity in an affluent neighborhood could be deemed extremely advantageous because this increases the potential for a continuous supply of highly valuable donations.However,this may be counterbalanced by an exorbitant rent for the property.Of fundamental importance to the success of the shop is a dedicated group of volunteers who should sort through donations promptly to ensure that items are quickly made available for purchase,in order to promote financial prosperity.Volunteers and staff must be vigilant of thieves, to which these shops are particularly susceptible,usually due to a lack of security cameras or bar codes on the item.The only factor affecting the financial success of a shop operated by a charity is its location.FShops operated by charitable organizations are particularly vulnerable to shoplifter if there are no security cameras or bar codes on items.TIt is less likely that shops operated by charities which are situated in affluent neighborhoods will have volunteers who are more dedicated,than those in less wealthy neighborhoods.C34.The prospect of accepting negative feedback about ourselves elicits conflict, as we need to assess the immediate emotional costs of negative information about ourselves against the long-term benefits of gaining useful feedback.Studies have confirmed what most managers seem to have known already,that the mood we in whilst receiving feedback often influences the relative weight people assign to emotional costs versus the informational benefits of receiving negative feedback.The studies that have been carried out have demonstrated that positive moods can function as a buffer and therefore enable people affected in this way to both accept,as well as better handle,the emotional costs of negative self-related information.Managers are increasingly taking employees’moods into consideration when providing them with negative feedback regarding their performance.CAccepting negative feedback involves a trade-off between short-term and long-term costs and benefits.TAn individual’s mood will have no effect on how negative feedback is received.C35.Over the past decade there has been a steady growth in the holiday industry whilst the number of travel agencies has declined.This is due to the increasing number of customers who are booking their holidays online,because of a quicker and more financially viable service.However,specialist travel agencies,such as those focusing on particular regions or holiday activities,remain successful as they have an in-depth understanding of a region and the customers who go there.The staffs are also multilingual,and thanks to their specialized knowledge they can provide good deals, meaning that their prices are often lower than non-specialist travel agents and online companies.A travel agent’s specialist knowledge can be used to the financial benefit of thecustomer.TIt is not always more expensive for the customer to book holidays with a travel agent.TMore people are booking their holidays online rather than through a travel agent, even though it takes longer to find the right holiday this way.F36.Significant advances in float furnace design and operation,in the development of glass compositions,and in the glass forming process itself have all played a role in the optimization of glass manufacturing.For example, thermodynamic modeling assists with the enhancement of glass composition and offers control over devitrification characteristics,and studies examining burner design, to ensure flames have maximum luminosity and impinge on the glass at the correct angle,aid the minimization of fuel consumption.The exploitation of such advanced research allows glass manufacturers to reduce their expenditure on fuel,decrease theirdefect rates and produce glass of the highest quality,all of which are important if they are to retain their commercial standing and customer loyalty.Glass of a higher quality is produced when the float furnace is at its maximum temperature.CThe radiance of furnace flames has no direct impact on the amount of fuel used in the glass-forming process.CEnsuring the flames come into contact with the glass at a particular point can reduce the amount of energy required in the glass manufacturing process.T37.Amateur scientists have long been attracted to the discipline of astronomy, and professional astronomers are frequently supportive of their contribution to the science.Indeed,amateur astronomers have often been the first to spot an uncharted comet or star.Until now,the required scientific equipment has,unfortunately,been largely very expensive,varying according to the intricacy and size of the apparatus. According to some scientists,however,the spread of new,cheap technology, particularly in information and date management,promises to dramatically change and facilitate amateur-professional interaction,and collaboration.Amateur-professional collaboration will contribute to the advancement of astronomy.TIn the past,all scientific equipment required for research in astronomy was very expensive.CFollowing the spread of new,and cheaper technology,more amateur scientists are collaborating with professionals.T38.Scientists believe we are experiencing a dramatic change in the overall climate system,verified by the10-15cm rise in sea levels over the last100years and the increases in severe weather conditions.Although climate change occurs naturally, scientists believe human activities have led to increased carbon dioxide,methane and nitrous oxide concentrations,leading to climate changes and,in turn,observed increases in sea levels,atmospheric temperatures,and erratic weather systems.This means that today’s climate shift differs dramatically from previous shifts in climates in both magnitude and rate.Scientific research suggests that advancing sea levels, rising temperatures and severe weather conditions caused by climate change will result in a host of negative consequences such as a threat to international trade patterns,an increase in the movement of tropical disease,and an increased risk of forest fires and landslides.Only the difference in velocity distinguishes current climates shifts from previous shifts.FThe enormity of alterations to our climate system has never been experienced by human beings before.T。