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Structure组织结构Umbrellaorganization:伞式组织：✓ItsupportstheBoardofDirectorinmanagingtheentirebank.该组织为董事会管理整个银⾏提供⽀持。✓Somemembersoftheumbrellaorganizationaresimultaneously(同时地)membersoftheBoardofDirectors.伞式组织的部分成员同时也是董事会成员。✓JosephFieldmanisoneofthemembersoftheBoardofDirectors.约瑟夫·费曼是董事会成员之⼀。✓Subordinated（次级的）toumbrellaorganizationarethreedivisions:伞式组织属下有三⼤分部InvestmentBank(IB):投资银⾏部：✓Clientsarenormallyprivateandpublicinstitutionsaswellasmedium-sizedandglobalornationalcompanies.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。✓Everyclienthasitsowncontactperson.每个客户都有⾃⼰的联系⼈。✓IBofferscapitalmarketproductsonaworldwidebasis.投资银⾏部在全球各地提供资本市场产品。Privateandbusinessclients(PBC):私⼈和企业客户部：✓ThisdivisionisthebiggestandmostimportantoneofEuro-bankandservicesprivateclientsandsmallbusinessesininvestments.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。✓ThefocusoftheclientssegmentsisinEurope,butalsoinothercountriesoftheworld.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。EstateInvestments(EI):房地产投资：✓EImanagesrealestateandindustrialholdings.不动产投资部管理的是房地产和⼯业不动产。✓Althoughthisdivisionisratherinsignificant,thegroupwillnotwithdraw（撤销）fromthissectorintheforeseeablefutureasitisofstrategicimportance.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Concentrationonthecorebusiness:专注于核⼼业务Sale:销售✓Euro-banksoldbranchofficesintheUSAwhichofferedserviceslikeclientadvisory,managementofbankaccountsandinvestments.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。✓Someoftheseserviceswerereplacedbyonlinebanking.这些服务有些被⽹上银⾏取代。✓Numerousadvisoryserviceswerehivedoff（独⽴出来）toreleaseresourcesforthesectorofPBC.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✓Costscouldbedecreasedbyrestructuringmeasuresorthedismissal（解雇）ofemployees.可通过重组措施或解聘雇员⼯来降低成本。✓Thereturnonnetassetcouldbeincreasedbyarearrangementoftheriskassetsandasharebuyback.可通过风险资产重组和股份回购来提⾼净资产收益率。Acquisitions:收购✓Toprovideprivateclientswithamoreindividualadvisoryservice,Euro-bankacquiredtheEnglishprivatebankBestConsultwhichisleadinginthissectorandhasawiderangeofexperienceininvestmentsforprivateclients.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Companyprinciples:公司原则✓Alldivisionsandumbrellaorganizationsaswellasinvestmentadvisersareobligedtocomplywiththeseprinciples.Theyinclude: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Shareholder’srights:股东股利✓Theyincludetheacquisitionandfreesaleofshares,theexerciseofvotingrightsaswellastheparticipationinthecompany’sprofits包括购买和⾃由出售股份、⾏使表决权以及分享企业利润。DutiesoftheBoardofDirectorsandSupervisoryBoard:董事会和监事会义务：✓TheyareobligedtocomplywiththeinterestsofEuro-bank.董事会和监事会有义务服从欧陆银⾏的利益。✓TheBoardofDirectorsdecidesonthestrategyofthecompanyandmustinformtheSupervisoryBoardaboutthesituationofthegrouponaregularbasis.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。✓WhentheBoardofDirectorsdecidesonthecompanystrategy,thesupervisoryBoardmustapproveit.董事会对企业战略做出决定时，须由监事会批准。Compensation:薪酬✓ThecompensationofthemembersoftheBoardofDirectorswillbedeterminedbythesupervisoryBoardwhereastheBoardofDirectorsdecidesinthecompensationoftheseniormanagersofthegroup.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✓Isnotensurediffinancialreportsarenotprovidesinatimelymanner,atoptimumeveryfinancialquarter.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。Productsandservices产品与服务Privateclients:私⼈客户✓Theyareofferedmoneyinvestments,provisionsforthefutureandcapitalaccumulationandsavingthroughthebuildingsocietybesidesthemanagementofbankaccounts.除提供银⾏账户的管理外，还为其提供投资理财，为未来准备，资本积累，通过房屋互助协会储蓄等服务。Businessclients:商务客户✓Euro-banksupportsself-employedcustomersandfamilybusinessesinthefinancingandsafeguardingofthecompany.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-bankofferstheservicesofinternationalpaymenttransactions,interestandcurrencymanagementaswellase-bankingduetotheglobalizationofmanycompanies.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。Businesscorporations:商业公司✓Forbigcorporations,Euro-bankoffersprogramsforcompanyfinancing,alsobyoutsidecapital,leasingandgovernmentsupportprograms,amongothers.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。✓Industryexpertsmaycarryoutcreditchecksforacompanyandthenoptionallyaccompanyarepositioning(重新定位).Allproductsandservicesarewitheringdesignedforregionalorglobalprojects.业界专家可以对公司进⾏信⽤审核，然后可以有选择地进⾏重新定位。所有产品和服务都是为地区项⽬或全球项⽬⽽设计的Investments:投资✓AreenabledbyequityandrealestateinvestmentfundsinEurope,theUSA,southAmericaandAsia.是通过在欧洲、美国、南⾮和亚洲的股权和不动产投资基⾦实现的。✓ThehedgefundsofEuro-bankofferthechanceforhighreturnswithinaveryshorttime.凭借欧陆银⾏的对冲基⾦，有机会再很短的时间内获得较⾼的回报Locations:地点AssetManagement:资产管理✓IntheUSA,thebankofferstheinvestmentofpropertyforprivateclientsandsmallbusinesses,amongothers,inAustralia,Japan,SingaporeandBrazilmainlyformedium-sizedcompanies.在美国，该银⾏为私⼈客户和⼩型企业等提供财产投资，在澳⼤利亚、⽇本、新加坡和巴西则主要⾯向中型企业。Investmentfunds/warrants:投资基⾦/认股权证✓InvestmentfundsandwarrantsareofferedinEurope,theUSAandAsiaaswellasintheunitedArabEnmirates.在欧洲，美国，亚洲和阿拉伯联合酋长国提供投资基⾦和认股权证，✓InsomecountriesinwhichEuro-bankofferswarrantsitalsooffersrealestatefunds.欧陆银⾏还在其提供认股权证的某些国家⾥提供不动产基⾦。Hedgefunds:对冲基⾦✓Theregionalfocusarethemetropolises(⼤都市)NewYork,Tokyo,SydneyandLondon.区域重点是纽约、东京、悉尼和伦敦这些⼤都市。Thecurrencyinwhichtransactionsofhedg