投资银行业务

In response, China last night safely in its announcement made it clear that regardless of whether the three in the Quarterly Bulletin of the Fortis shares provision for impairment of investment capital and solvency is still very adequate, still robust financial, insurance, banking, Trust, securities and other main business is healthy growth, good customer rights and interests will be adequately protected.

对此，中国昨晚在其安全公告明确表示，无论这三个在富通股票的投资资本和偿付能力减值拨备季报仍然十分充足，仍然强劲的金融，保险，银行，信托，证券和其他主要业务是健康成长，良好的客户的权利和利益将得到充分的保障。

For the incompliant lending patterns mentioned above, on commercial banks part, improving the management and business technique will reduce, or even eliminate the incompliant behaviors in the pre-investigation process. From the Central bank and China Banking Regulatory Commission side, setting the inner network in the same industry, controlling the ratio of real estate loan, and enhancing the penalty to suppress the development of incompliant lending of real estate are effective ways to control risk. Fundamentally, the government should conduct the developer of real estate to search for the new financing mode to improve the stability and development, this might include some measures as follows: improving the liability financing structure of large real estate companies, develop the Reits and support its securitization to form the multi-financing.

对上述违规模式，从银行内部提高管理及业务水平方面，本文提出了针对性的风险防范措施，可有效地将违规的苗头扼杀在贷前调查过程中；从央行及银监会角度，可以通过建立同业信息沟通网络、严格控制房产信贷比重、加大违规惩戒力度等手段抑制房地产违规信贷的发展；而最根本的，政府应当引导房地产开发企业寻找新的融资渠道来促进房地产行业稳定和健康的发展，包括改善大型地产企业的债务融资结构、发展房地产投资信托基金及推动房产抵押证券化等方式形成房地产多元化融资的格局，这样，房地产违规信贷模式也就不攻自破了。

Article 12 Commercial banks should explain in their notes to the accounting report the important policy of accounting and accounting estimates, including: Accounting standards, accounting year, reporting currency, accounting basis and valuation principles; Type and scope of loans; Accounting rules for investment; Scope and method of provisions against asset losses; Principle and method of income recognition; Valuation method for financial derivatives; Conversion method for foreign currency business and accounting report; Preparation method for consolidated accounting report; Valuation and depreciation method for fixed assets; Valuation method and amortization policy for intangible assets; Amortization policy for long-term deferred expenses; Accounting practice for income tax.

第十二条商业银行应在会计报表附注中说明本行的重要会计政策和会计估计，包括：会计报表编制所依据的会计准则、会计年度、记账本位币、记账基础和计价原则；贷款的种类和范围；投资核算方法；计提各项资产减值准备的范围和方法；收入确认原则和方法；衍生金融工具的计价方法；外币业务和报表折算方法；合并会计报表的编制方法；固定资产计价和折旧方法；无形资产计价及摊销政策；长期待摊费用的摊销政策；所得税的会计处理方法等。

In self-regard, China Merchants Bank said its foreign currency investments, the business is relatively small, but always taken a robust style.

在自我方面，中国招商银行表示其外币投资业务相对较小，但一直采取稳健的风格。

First State Investments is the fund management arm of the Commonwealth Bank of Australia.

首域投资为澳洲联邦银行集团成员，负责基金管理业务。

This program, in line with the development of modern science and national economic construction, aims at the cultivation of cross-disciplinary professionals who will be proficient in economics, management and applied mathematics, competent in the applications of computers and foreign languages, systematic in the mastery of the basic theories and methodology, familiar with the theories and methodology of risk control, market research and data mining, well-cultivated in political, professional and cultural awareness, sound in health, with fairly strong capacities in practical innovation and adaptability.

本专业方向旨在培养适应现代科技发展和国民经济建设需要，具备扎实的经济学、管理学、应用数学基础和较强的计算机应用能力与良好的外国语水平，系统掌握统计学基本理论与方法，熟练掌握风险管理、市场调查、数据挖掘理论与方法，具有良好的思想、业务、文化和身心素质，具有较强的实践创新和适应能力，能在金融机构（含银行、证券、保险、投资机构）、工商企业、政府部门从事统计分析、风险管理、数据分析以及其他经济管理工作的复合应用型专门人才。

Core business includes life insurance, pensions, investment management, banking and health care insurance products.

核心业务包括人寿保险、退休金、投资管理、银行和健康护理保险产品。

Among the hirings are Gordon Paterson, one of the region's heaviest-hitting investment bankers, poached from Citigroup to be the bank's Asia head of mergers and acquisitions.

在最近的招聘行动中，德意志银行从花旗集团挖来了亚洲地区最重量级的投资银行家之一戈登·佩特森，出任该行亚洲并购业务主管。

Why does the bill not separate investment banking from the private banking and wealth management activities that got Goldman into trouble?

为何法案不规定投资银行业务须与致使高盛陷入困境的私人银行和财富管理业务分开经营？

Article 10 The People''s Bank of China is to supervise TICs and their operations according to laws, administrative regulations and these rules.

第十条 中国人民银行依照法律、行政法规和本办法对信托投资公司及其业务实施监督和管理。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。