投资银行业务

The firm is a leader in investment banking, financial services for consumers, small business and commercial banking, financial transaction processing, asset management, and private equity.

摩根大通集团（纽约证券交易所：JPM）是一家全球领先的金融服务公司，管理资产达2.1万亿美元，业务遍及全球60多个国家，在投资银行、消费者金融服务、小型企业及商业银行服务、金融交易处理、资产及财富管理以及私募股权投资等领域享有领先地位。

"In Chinese circles on Wall Street, the investment bank in the core business sector to engage in very few, mostly based on a number of positions, such as analysts, data processing, which is part of the work in this Second storm is laid off most of the local ", is located in a former Wall Street investment bank in the acceptance of the visit, he said.

在华尔街华人圈子"，在核心业务部门的投资银行参与很少，主要是基于对职务，如分析师，数据处理，这是工作的一部分这第二个风暴是下岗的地方"，是前华尔街投资银行设在大部分接受访问，他说。

At the end of the course students will be familiar with the features and functions of major financial markets and institutions such as money, bond, stock, foreign exchange and derivative markets, central bank, commercial and investment banks, stock exchanges, brokers and fund managers.

学生将从此课程的学习中，清楚了解国际货币，债券，股票，外汇和衍生产品市场的特征和功能，并了解中央银行，商业银行，投资银行，证券交易所，证券交易商，基金公司等金融机构的业务运作特征。

It also analyses the rise of open fund to cause the affection to the present bank system and business of our country, such as the affection to the deposit structure and amount of the commercial bank, to the change of people s financial consciousness and operative idea and to the fund trusteeship and agency of the commercial bank.

分析了开放式投资基金的出现对我国现有的银行机制和银行业务产生的影响，如对商业银行存款结构和数量的影响；对人们金融意识和经营理念的影响；对商业银行基金托管和基金代理业务的影响。

Commercial banks allowed to sponsor funds management companies, they can develop funds activities on the condition that groups undertake mixed-operation while its funds filiation only can undertake its own activities. In fact, this is an important act for Chinese commercial banks to impulse to commingle all kinds of activities. Also, this act should be favorable to healthy capital market's developing and financial reform deepening. In addition, this act makes sense to change unbalance financing structure, the single assets structure of commercial banks, and to improve the international competition strength of Chinese financial industry.

允许商业银行投资设立基金管理公司，商业银行在"集团混业"、"公司分业"的条件下开展自营投资基金业务，是提高中国银行业综合竞争能力的一项重要举措，有利于促进资本市场健康发展，也有利于促进金融改革的深化；并且，对于解决我国当前融资格局失衡，改变商业银行较为单一的资产结构，提高金融业的国际竞争力，具有重要的意义。

At present, the enterprise annuity investments are based mainly on the "pension fund management business on a trial basis", investment bank demand deposits, the central Bank notes, bonds buy-back short-term liquidity, and other products and the ratio of money market funds, funds of not less than 20% of net assets; investment bank time deposits, deposit agreements, bonds, Jinrong Zhai, corporate debt, and other fixed-income products and Debt conversion, the ratio of bond funds, the fund does not exceed 50% of net assets.

目前，企业年金投资的依据是"养老基金管理业务，主要是试行"，投资银行活期存款，央行票据，债券回购的短期流动资金，以及其他产品和货币市场基金的比例，不低于净资产的20％资金，投资银行定期存款，协议存款，债券，锦荣翟，公司债务，以及其他固定收益产品和债务转换，债券基金的比例，不超过基金资产净值的50％。

I had the solidelementary knowledge, the system have grasped the negotiablesecurities investment study, the money market study, the economic, theinternational finance, the Central Bank service, the commercial bankand the business management, the management study, financial controland accounting theory knowledge and so on the market marketing study,could skilled operate the Office office software, attained thestandard spoken Chinese two levels of first-class certificates, passedthe English four levels of tests, simultaneously, I also widely readthe massive books in 课余时间, not only enriched own, moreoveralso has raised own various skill, more importantly, The rigorousschool tradition and the straight study manner molded I simple, wassteady, the innovation, the disposition characteristic to thecommunication, has genially borne hardships and stood hard work, theearnest responsible work characteristic.

我具有扎实的基础知识，系统的掌握了证券投资学，金融市场学、经济学、国际金融、中央银行业务、商业银行与业务管理、市场营销学、管理学、财务管理和会计学等理论知识，能熟练操作Office办公软件，获普通话二级甲等证书，通过了英语四级考试，同时，我还在课余时间广泛阅读了大量的书籍，不但充实了自己，而且也培养了自己多方面的技能，更重要的是，严谨的学风和端正的学习态度塑造了我朴实、稳重、创新、的性格特点和善于沟通、吃苦耐劳、认真负责的工作特点。

Most of the commercial banks deposits of individuals less than 10% of total deposits, deposits stability is poor, the cost always remain at a high level.

缺乏投资银行、贸易融资、整合性个人和对公理财及资产组合等高端业务的拓展能力，导致总体盈利能力较低，特别是中间业务为主的非利差收入贡献度不大，中间业务收入占比大多在5-6%左右，远低于国外先进银行40-50%的水平。

But strong balance-sheets gave commercial banks the chance to muscle investment banks out of the underwriting of securities.

但是强势的账目平衡使得商业银行可以有机会来将投资银行挤出证券担保业务，而投资银行又只好继续扩大规模来回应。

ZHAO Xiao-bing: This is in the affirmative, we are now direct investment in large-scale investment bank did not, the future can be said that no matter how far can-can, but we still the most important investment banking business.

赵小兵：这是肯定的，现在我们直接投资的规模没有投资银行大，可以说不管将来汉能能走多远，但目前投资银行还是我们最主要的业务。

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。