银行投资

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。

In addition, the influence of the commercial bank and investment fund is mutual.

另外，商业银行和投资基金的影响是相互的，投资基金的发展同样离不开商业银行的支持。

Facing the problems we mentioned right now, we offer some corresponding countermeasure from two angles, including strengthening investment banks' own power and improving its external environment.

针对上述投资银行参与企业并购过程中存在的诸多问题，我们从强化投资银行自身实力和完善外部环境两个角度有针对性地提出了相应对策。

Even Bank Vontobel, a private bank with a small investment-banking division, has been feeling the pinch. Meanwhile "pure" Swiss private banks such as Pictet, Lombard Odier, and Bank Julius Baer have been picking up business.

即使是Vontobel银行一个带有小的投资银行分部的私人银行也感受到这种痛苦，而同时，其他纯的瑞士私人银行如Pictet， Lombard Odier和Julius Baer银行正在摘桃子。

Services Lawyers at Yao Liang have provided legal services to a great number of international and mainland based clients including Citibank, Kodak, Pfizer, BP, Honeywell, Inbv, Belgium, Société BIC, DHL, National Instruments, Mannesmann AG, Deutsche Bundesbank, Sakura Bank, Bank of Tokyo-Mitsubishi, Twentsche Kabel Holding, Schenker, PCCW-HKT Limited, Shanghai Electric Corp., China Pacific Insurance Co.

服务领域耀良的律师曾向国内外的许多知名企业提供法律服务，这些客户包括美国花旗银行、柯达公司、辉瑞公司、英国石油、霍尼韦尔、比利时英博制酒集团，法国比克公司、德国曼内斯曼集团、德意志银行、日本樱花银行、三菱银行、荷兰商业银行、荷兰特恩持、全球货运公司、电讯盈科、上海电气集团、太平洋保险公司、江南造船厂等；法律服务的领域涉及公司和并购业务、外商直接投资、知识产权、信息技术、电讯、海事（包括船舶制造、船舶融资和理赔等）、保险、物流、房地产、税务、反倾销、国内国际仲裁等各个方面。

Lawyers at yao liang have provided legal services to a great number of international and mainland based clients including citibank, kodak, pfizer, bp, honeywell, inbv, belgium, société bic, dhl, national instruments, mannesmann ag, deutsche bundesbank, sakura bank, bank of tokyo-mitsubishi, twentsche kabel holding, schenker, pccw-hkt limited, shanghai electric corp., china pacific insurance co. and jiangnan shipyard, etc. the firm's services extend over a wide spectrum: from corporate and m

耀良的律师曾向国内外的许多知名企业提供法律服务，这些客户包括美国花旗银行、柯达公司、辉瑞公司、英国石油、霍尼韦尔、比利时英博制酒集团，法国比克公司、德国曼内斯曼集团、德意志银行、日本樱花银行、三菱银行、荷兰商业银行、荷兰特恩持、全球货运公司、电讯盈科、上海电气集团、太平洋保险公司、江南造船厂等；法律服务的领域涉及公司和并购业务、外商直接投资、知识产权、信息技术、电讯、海事（包括船舶制造、船舶融资和理赔等）、保险、物流、房地产、税务、反倾销、国内国际仲裁等各个方面。

This paper provides an international comparative survey of trends in banking industry, and seeks to indentify the way of Chinese banking industry upgrade.In this paper, the theory of industrial organization, institutional economics and the theory of financial innovation are used in the overall analysis of the banking industry in China and developed countries, and the stage of industrial development banks in developed countries are divided into beginner, intermediate and advanced stages of development.A comparative indicator of the banking industry model is created.

本文运用产业组织理论、制度经济学及金融创新理论系统整体分析我国和发达国家银行产业，将发达国家银行产业发展阶段划分为初级、中级和高级发展阶段；创建了我国与发达国家银行产业比较指标模型，对我国银行产业进行清晰的定位，并根据市场绩效(经营稳健性、盈利能力、经营效率指标)及在储蓄转化为投资过程中所处的位置，创新的划分我国银行产业内部层次。

It was formed in 1995 by the merger of Lloyds Bank and the Trustee Savings Bank.

劳埃德TSB集团创立于1688年，是一家设在英国的银行和金融服务集团，主要从事银行，贷款和抵押，储蓄与投资，保险等业务，在全球有2400多家分支机构。1996年，英国劳埃德银行同英国信托储蓄银行合并产生劳埃德TSB银行集团。

It is this team that led ICBC to execute its fruitful change and transformation, including making heavy investments in the construction of ICBC's IT system in an early stage, paying more attention to the establishment of ICBC's risk management and internal control system also at a very early stage, and reorganising and optimising ICBC's branch network and business transaction process, as well as enforcing the restructuring reform of ICBC.

这是一支领导中国工商银行实现富有成效的变革的团队，这些变革包括在很早一个阶段便对工商银行IT系统的构建进行巨额投资，同样在很早一个时期便对工商银行的风险管理和内控系统的建立给予了更多关注，对工商银行的分支网络、业务流程进行重组和优化，以及推进工商银行的重组改革等。

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。