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1、Strictly Private and Confidential 绝密Information MemorandumProject GinkgoSeptember 25, 2007目 录第一章 释义11第二章 概览13一、行业概述13（一）概述13（二）国内城市商业银行的发展历程14（三）国内银行业市场格局15二、公司简介17（一）概况17（二）本行组织结构17三、股权结构19四、业务模式19五、业务特点19六、经营战略20七、治理结构20八、管理团队20九、财务状况20十、引资概要21第三章 投资亮点22一、得天独厚的政策和区位优势22二、准确的市场定位23三、优秀的管理团队24四、规范的公
2、司治理结构25五、网点优势和信息优势25六、高效的管理体制26七、良好的成长性26八、良好的银行品牌27九、西部地区最佳跨区域发展平台29十、显著的稀缺价值29第四章 本次引资安排30一、引资的目的30二、境外战略投资者需要具备的基本条件30三、引资前股本结构31四、引资后股本结构32五、本次引资所募集资金的运用32第五章 中国银行业概要33一、总揽33二、中国银行业成长的格局与环境33（一）国内银行业市场格局33（二）中国银行业的经营环境34（三）银行业的监管35三、中国银行业成长的轨迹和方向38四、中国城市商业银行的发展历程39第六章 公司简介42一、历史沿革42二、本行业务43三、组织机
3、构43（一）组织结构图43（二）管理体制45（三）主要的管理制度45四、公司治理47（一）股东大会47（二）董事会47（三）监事会48（四）独立董事49（五）本行接受下列机构的监管与检查：49第七章 业务发展情况50一、业务发展历程50二、运营结构55（一）业务运营结构图56（二）主要业务组织流程57（三）营销渠道60三、本行主要业务62（一）公司银行业务63（二）个人银行业务65（三）资金业务68第八章 风险管理70一、概述70（一）风险管理构架70（二）风险管理概况72二、信用风险管理73（一）公司类贷款信用风险管理73（二）个人贷款信用风险管理74三、市场风险管理75（一）现有组织架构7
4、5（二）部门分工75（三）制度建设和控制措施76（四）内部监督76四、操作风险管理76五、流动性风险管理76六、信息技术风险管理77七、违规行为的报告和监控77第九章 财务会计信息和分析78一、财务会计报表78(一) 最近三年资产负债表78（二）最近三年利润表81二、财务会计事项及说明82（一）审计事项说明82（二）主要会计政策83三、财务指标和监管指标分析84（一）财务指标84（二）监管指标分析86四、管理层对特别事项的说明88（一）原汇通银行事项88（二）境内外会计师审计差异事项89五、管理层对下一步发展的展望89（一）本行总体发展战略目标89（二）未来三年的增长计划89（三）战略实施措施
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