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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