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1、Four short words sum up what has lifted most successful individuals above the crowd: a little bit more.-author-date欧陆银行中英文对照版欧陆银行中英文对照版Structure组织结构Umbrella organization: 伞式组织： It supports the Board of Director in managing the entire bank.该组织为董事会管理整个银行提供支持。 Some members of the umbrella organization
2、are simultaneously(同时地) members of the Board of Directors.伞式组织的部分成员同时也是董事会成员。 Joseph Fieldman is one of the members of the Board of Directors.约瑟夫费曼是董事会成员之一。 Subordinated（次级的） to umbrella organization are three divisions:伞式组织属下有三大分部Investment Bank(IB): 投资银行部： Clients are normally private and public i
3、nstitutions as well as medium-sized and global or national companies.客户通常是私人机构、公共机构、中型公司、国际公司或国内公司。 Every client has its own contact person.每个客户都有自己的联系人。 IB offers capital market products on a worldwide basis.投资银行部在全球各地提供资本市场产品。Private and business clients(PBC): 私人和企业客户部： This division is the bigges
4、t and most important one of Euro-bank and services private clients and small businesses in investments.这是欧陆银行最大、最重要的业务部门之一。为私人客户和小型企业提供投资服务。 The focus of the clients segments is in Europe, but also in other countries of the world.该部门的重点客户群在欧洲，但也分部在世界上的其他国家。Estate Investments(EI):房地产投资： EI manages re
5、al estate and industrial holdings.不动产投资部管理的是房地产和工业不动产。 Although this division is rather insignificant, the group will not withdraw（撤销） from this sector in the foreseeable future as it is of strategic importance.该部门虽然分量很轻，但是该集团在可预见的未来里都不会撤出这个领域，因为它具有重要的战略意义。Strategy战略Concentration on the core busines
6、s: 专注于核心业务Sale:销售 Euro-bank sold branch offices in the USA which offered services like client advisory, management of bank accounts and investments.欧陆银行售出提供客户咨询、银行账户管理，投资等服务的美国分支机构。 Some of these services were replaced by online banking.这些服务有些被网上银行取代。 Numerous advisory services were hived off（独立出来）
7、to release resources for the sector of PBC.多项咨询服务已被分离出来，以便释放资源提供私人和企业客户部使用。Restructuring:重组 Costs could be decreased by restructuring measures or the dismissal（解雇） of employees.可通过重组措施或解聘雇员工来降低成本。 The return on net asset could be increased by a rearrangement of the risk assets and a share buyback.可通
8、过风险资产重组和股份回购来提高净资产收益率。Acquisitions:收购 To provide private clients with a more individual advisory service, Euro-bank acquired the English private bank Best Consult which is leading in this sector and has a wide range of experience in investments for private clients.为了向私人客户提供更加个性化的咨询服务，欧陆银行收购了英国私人银行贝恩
9、斯，该银行是一家领先的私人银行，在私人客户投资业务方面经验丰富。Principles原则Company principles: 公司原则 All divisions and umbrella organizations as well as investment advisers are obliged to comply with these principles. They include:所有部门和伞式组织以及投资顾问都有义务遵循这些原则，包括Shareholders rights: 股东股利 They include the acquisition and free sale of s
10、hares, the exercise of voting rights as well as the participation in the companys profits包括购买和自由出售股份、行使表决权以及分享企业利润。Duties of the Board of Directors and Supervisory Board: 董事会和监事会义务： They are obliged to comply with the interests of Euro-bank.董事会和监事会有义务服从欧陆银行的利益。 The Board of Directors decides on the
11、strategy of the company and must inform the Supervisory Board about the situation of the group on a regular basis.董事会对企业战略做出决定，并须定期向监事会通报集团情况。 When the Board of Directors decides on the company strategy, the supervisory Board must approve it.董事会对企业战略做出决定时，须由监事会批准。Compensation: 薪酬 The compensation of
12、 the members of the Board of Directors will be determined by the supervisory Board whereas the Board of Directors decides in the compensation of the senior managers of the group.董事会成员的薪酬由监事会决定，而董事会决定集团高级管理人员的薪酬。Transparency透明度 Is not ensured if financial reports are not provides in a timely manner,
13、at optimum every financial quarter.财务报告如果提供不及时，则无法确保透明度，最佳是按季度提供报告。Products and services产品与服务Private clients: 私人客户 They are offered money investments, provisions for the future and capital accumulation and saving through the building society besides the management of bank accounts.除提供银行账户的管理外，还为其提供投
14、资理财，为未来准备，资本积累，通过房屋互助协会储蓄等服务。Business clients:商务客户 Euro-bank supports self-employed customers and family businesses in the financing and safeguarding of the company. 欧陆银行为个体经营客户和家族企业提供融资和公司保障方面的支持。 Euro-bank offers the services of international payment transactions, interest and currency management
15、as well as e-banking due to the globalization of many companies.随着企业业务全球化，欧陆银行提供的服务包括国际支付业务，利息和货币管理以及电子银行。Business corporations: 商业公司 For big corporations, Euro-bank offers programs for company financing, also by outside capital, leasing and government support programs, among others.大型企业：针对大型企业，欧陆银行提供企业融资计划，还有外部资本、租赁和政府资助计划等。 Industry experts may carry out credit checks for a company and then optionally accompany a repositioning(重新定位). All products and
