銀行董事會報告

1、 年半年報 （4）現(xiàn)金管理業(yè)務(wù) 報告期內(nèi)，現(xiàn)金管理業(yè)務(wù)不僅在客戶數(shù)上實(shí)現(xiàn)大幅增長，在客戶的日均財(cái)富管理資產(chǎn)規(guī)模上也實(shí)現(xiàn)了跨越式發(fā)展?，F(xiàn)金管理客戶較期初新增 1,708 戶，相當(dāng)于上年全年的增量，期末客戶數(shù) 6,575 戶。各項(xiàng)業(yè)務(wù)流量平穩(wěn)增長，現(xiàn)金管理客戶日均存款余額達(dá) 3,417 億元。日均財(cái)富管理資產(chǎn)總額 536 億元，較期初增長 96%。 (4) cash management businessduring the reporting period, the cash management business not only achieved substantial growth on

2、customers number but also got great-leap-forward development on the customers daily average wealth management scale. compared with the beginning of the period, we cultivated 1708 new customers of cash management, equivalent to the annual increment of last year and the final customers number is up to

3、 6575. (5)可持續(xù)金融業(yè)務(wù) 報告期內(nèi)， 公司綠色金融業(yè)務(wù)投放 854.27 億元， 期末融資余額 1,552.85 億元。截至報告期末，公司綠色金融業(yè)務(wù)已累計(jì)投放 2,862.18 億元，從環(huán)境效益看，公司綠色金融支持的項(xiàng)目可實(shí)現(xiàn)在我國境內(nèi)每年節(jié)約標(biāo)準(zhǔn)煤 2,329.48 萬噸，年減排二氧化碳 6,715.7 萬噸，年減排化學(xué)需氧量（cod）90.12 萬噸，年減排氨氮 1.67萬噸，年減排二氧化硫 4.36 萬噸，年減排氮氧化物 1.13 萬噸，年綜合利用固體廢棄物 1,521.74 萬噸，年節(jié)水量 25,579.06 萬噸。 報告期內(nèi)，公司在前期詳實(shí)的市場調(diào)研基礎(chǔ)上，開發(fā)完成“合同

4、環(huán)境服務(wù)融資業(yè)務(wù)”和“特許經(jīng)營權(quán)質(zhì)押授信業(yè)務(wù)”，并持續(xù)加大對水資源保護(hù)和利用領(lǐng)域的支持力度。榮獲中國金融（專家）年會組織委員會和中國金融研究院等機(jī)構(gòu)聯(lián)合評選的 2012 年度綠色銀行獎”、 中國銀行業(yè)協(xié)會評選的 “年度社會責(zé)任最佳綠色金融獎”、財(cái)經(jīng)網(wǎng) “2012 年度最佳可持續(xù)發(fā)展銀行獎”、中國企業(yè)家俱樂部“2013中國綠公司百強(qiáng)”、中國節(jié)能協(xié)會節(jié)能服務(wù)產(chǎn)業(yè)委員會“2012 中國節(jié)能服務(wù)產(chǎn)業(yè)最佳金融投資機(jī)構(gòu)”等獎項(xiàng)。 sustainable financial services during the reporting period,the company devoted 854.27 bil

5、lion to the green financial services business,the final financing balance is 1552.85 billion.at the end of the reporting period,the companys green financial services business has accumulatively absorbed 2862.18 billion.looking from the environmental benefits, the project supported by the green finan

6、ce,can yearly save 2329.48 tons of standard coal,reducing,6715.7 tons of carbon dioxide and 901200 tons of chemical oxygen demand(cod).besides,the project is able to help lessen the emissions of ammonia nitrogen,sulfur dioxide and nitrogen oxide.the exact reductions respectively are16700 tons,43600

7、tons and11300 tons.at the same time ,it can bings1521.74tons of comprehensive solid waste utilization accompany 25579.06 tons of water.during the reporting period,on the basis of previous detailed market research, company developed thecontract financing environmental services business and franchise

8、rights pledge credit business, and continue to increase support in the field of protecting and utilizing water resource. fortunately,the company are granted some prizes such as the “2012 annual green bank”, selected by the chinese finance (experts) conference organizing committee and china academy o

9、f financial institutions； the annual green finance award for the best social responsibility holder appraised by the china banking association; the2012 annual bank award for best player in sustainable development” elected by the business network;the the chinese top 100 green companies in confered by

10、thechinese entrepreneurs club; the 2012 annual best financial investment institutions for chinas energy-saving services industry crowned by china energy eonservation association and energy conservation service industry committee and so on.紅色部分為機(jī)器翻譯，不知道對不對。中國銀行業(yè)協(xié)會:the china banking association財(cái)經(jīng)網(wǎng)busi

11、ness network中國企業(yè)家俱樂部chinese entrepreneurs club中國節(jié)能協(xié)會節(jié)能服務(wù)產(chǎn)業(yè)委員會china energy conservation association and energy conservation service industry committee（6）小企業(yè)業(yè)務(wù) 報告期內(nèi)，公司堅(jiān)持“服務(wù)小微企業(yè)，支持實(shí)體經(jīng)濟(jì)健康發(fā)展”，積極調(diào)整優(yōu)化小企業(yè)業(yè)務(wù)客戶定位、經(jīng)營戰(zhàn)略和發(fā)展目標(biāo)，全面推行小企業(yè)專業(yè)化運(yùn)營體系改革，積極構(gòu)建層次豐富、布局合理、覆蓋廣泛的小企業(yè)業(yè)務(wù)體系，小企業(yè)金融服務(wù)能力得到大幅提升。在客戶定位上，從“中小為主”向“小微為主”轉(zhuǎn)變，總資產(chǎn)

12、規(guī)模從不超過1億元調(diào)整為6000萬元以下。在組織體系上，建成由總行小企業(yè)部、分行小企業(yè)部、 城市小企業(yè)中心三級構(gòu)成的小企業(yè)專業(yè)化組織框架。 在產(chǎn)品創(chuàng)新上，推出“興業(yè)積分貸”等特色產(chǎn)品，全面升級 “興業(yè)芝麻開花”中小企業(yè)成長上市計(jì)劃。截至報告期末，公司小企業(yè)客戶總數(shù)為20.17萬戶，較期初增加1.8萬戶，增長9.8%；貸款余額667.09億元，較期初增長33.50%?！芭d業(yè)芝麻開花”入池客戶總數(shù)為3,873戶，其中有近百家企業(yè)成功在境內(nèi)外資本市場發(fā)行上市，已通過中國證監(jiān)會審核待發(fā)行的企業(yè)20多家，引入私募投資或者進(jìn)入上市輔導(dǎo)期的企業(yè)近300家。 2012年半年報（3）管理、運(yùn)營和保障能力提升取得

13、新成效。與條線專業(yè)化改革相適應(yīng)，財(cái)務(wù)、風(fēng)險、人力資源管理體制改革配套推進(jìn)：全面實(shí)施內(nèi)部資金轉(zhuǎn)移定價管理，加強(qiáng)財(cái)務(wù)核算和管理會計(jì)基礎(chǔ)建設(shè)，財(cái)務(wù)和資產(chǎn)負(fù)債管理更加精細(xì)；加強(qiáng)統(tǒng)一授信管理，有效落實(shí)風(fēng)險總控，穩(wěn)步推進(jìn)新資本協(xié)議項(xiàng)目群建設(shè)和應(yīng)用，風(fēng)險管理工作取得明顯成效；持續(xù)完善各類專業(yè)職務(wù)序列建設(shè)，新型培訓(xùn)體系建設(shè)邁出關(guān)鍵性步伐，人力資源管理專業(yè)化水平穩(wěn)步提升。 運(yùn)營支持保障更加完善。順利開業(yè)貴陽分行，獲準(zhǔn)籌建香港、蘭州分行，截至報告期末公司機(jī)構(gòu)總數(shù) 717 家；成功升級個人網(wǎng)銀和手機(jī)銀行，有效提升各渠道客戶服務(wù)體驗(yàn)；持續(xù)推進(jìn)企業(yè)級后臺作業(yè)中心和科技研發(fā)運(yùn)維平臺，提升運(yùn)營和保障能力。 （4）市場地位和

14、品牌形象穩(wěn)步提升。根據(jù)英國銀行家雜志最新排名，公司按一級資本排名 69 位，按總資產(chǎn)排名 61 位，均較上年提升 14 位。根據(jù)美國財(cái)富中文版中國 500 強(qiáng)企業(yè)最新排名，公司排名第 78 位，較上年提升 6 位。在國內(nèi)外各種權(quán)威機(jī)構(gòu)組織的評比中，先后獲得上海證券交易所“2012 年度上市公司董事會獎” 、 “2012中國最受尊敬中資銀行獎” 、 “十一五時期全國減排先進(jìn)集體” 、 “最佳綠色銀行獎” 、“最佳履行社會責(zé)任銀行獎” 、 “年度最具創(chuàng)新力銀行獎”等榮譽(yù)。 2、營業(yè)收入及營業(yè)利潤的構(gòu)成情況 報告期內(nèi)公司實(shí)現(xiàn)營業(yè)收入 876.19 億元，營業(yè)利潤 460.68 億元。 （1）公司根據(jù)

15、重要性和可比性原則，將地區(qū)分部劃分為總行（包括總行本部及總行經(jīng)營性機(jī)構(gòu)） 、福建、北京、上海、廣東、浙江、江蘇、東北及其他北部、西部、中部，共計(jì)十個分部。各地區(qū)分部的營業(yè)收入和營業(yè)利潤列示如下： ge自我招聘要求及蘇金玉自我介紹product marketing leader-pcb(職位編號：1815775)職位職能: 市場/營銷/拓展經(jīng)理 市場/營銷/拓展主管職位描述:business segment healthcare chinaabout us xrole summary/purpose leads, coordinates and manages the execution of

16、the marketing plan for a product in a given region. identifies opportunities for growth and share gain. creates a segment product strategy including product positioning, install base growth strategy and collaborates with modality marketing on lifecycle management strategy. provides input to the new

17、product/solutions roadmap development.essential responsibilities utilizes gold standard marketing practices and skills to develop and execute the marketing plan for a primary segment. responsibilities include voc（客戶聲音） gathering, marketing blueprint development and collaboration, segmentation, targe

18、ting and positioning to align messaging, tactics, commercial channel tools and execution for success employs market research, clinical and industry trend analysis, market share and competitive analysis, win/loss tracking and price realization in developing commercial strategy for a product in a give

19、n region owns promotion plans for segment-specific value propositions and distribution strategies understands customers clinical and economic needs, as well as values and benefits sought. executes all demand generation and awareness activities for this segment (including trade shows, customer events

20、, advertising, telemarketing campaigns, promotions). works with marketing communications and pr to develop and execute marcom plans. responsible for capturing and reporting upon relevant metrics for a given product. develops programs to gather regional evidence of customer success, early adopters, s

21、how sites, and clinical evidence where appropriate provides this segment input to business cases to central marketing and upstream product, business analysis and give upstream feedback to develop, test and prototype new product ideas develops the tools and training for the sales teamqualifications/r

22、equirements 1. bachelors degree in marketing, business administration or related field 2. minimum 5+ years experience in marketing, product marketing or related field 3. team oriented ability to motivate and work well with diverse, cross-functional teams4. influencing skills ability to motivate indi

23、viduals and demonstrate organizational influence5. excellent oral and written communications skills6. strong analytical and process skillsdesired characteristics marketing expertise in market & customer insights, product commercialization and branding2. healthcare product/industry acumen3. innovatio

24、n develop new ideas through collaboration and execute on creative ideas 蘇金玉自我介紹good morning ! its great to see you and my name is sujinyu.firstly.i really appreciate it that i was given the opportunity for this interview.now i will introduce myself briefly.well,as you can see ,there is alway big smi

25、le on my face and im extroverted.i enjoy getting along with various people.as many people do,i like shoulder challenge ,dealing with difficulties.im independent girl in my daily life and possess the ability to work as individual,but i prefer to work as team member.the mutual trust and help,the diffe

26、rent opinion,the coordination among members,the joint efforts can always bring me happiness.besides,im confident that i can motivate individuals and demonstrate organizational influence.i value substantial results,so i always try to find the suitable way to solve hurdles.i think it will be nice to i

27、nteract with creative person because i admire innovation and i also do my best to think from a brandnew view. i just got the marketing bachelors degree of jimei university,which launched by the famous overseas chinese chenjiageng.on the campus,i took a series of courses about mrketing and management

28、,such as the “the advertising”,”the customers behavior” and “the business negotiation”.these courses help me strengthen my awareness and ability to manage myself and things around me as well as improve my communication skills both oral and written.these ability and skills will help me a lot in my wo

29、rk and life through my lifetime.during vocations,i participate in internship and struggle to polish myself.i ever worked as market development member and aid to advertise and promote the new products,making efforts to set up a good brand image among customers,collecting the competing goods informati

30、on, timely delivering feedback, observing and communicating with customers, hearing their voices.this working experience intensify my analytical and process skills,sharpening my insight capacity,making me know better about customers. well,this is me,a person who has great passion and determination f

31、or marketing job.thank you!作文introductionthe aim of this report is to revive the televisions sales volume in our southeastern market. findingsthe latest figures present a sales swoon over the last 3months thank to the overall slump in detail stores. nevertheless, bases on the approaching sales seaso

32、n(economic recovery) ,we can expect a hopeful soaring in the next months. without doubts, taking some measures can contribute to the sales increasement. firstly, special offers for customers are workable. for instance, we can provide them with screen cleaning device, heat dissipation gadgets. secondly, we can launch new advertising campaign and change our commercial channel. we can put our advertisement on public transportation , vogue& technology magaz