5000字外文翻譯銀行類

5000字外文翻譯銀行類篇一：商業(yè)銀行產(chǎn)品營銷外文文獻翻譯2022年譯文3000多字

外文出處：BergerA,BouwmanC.mercialbankfinancialproductsmarketingstrategy[J].JournalofFinancialEconomics,2022,10(1):146-176.

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原文

mercialbankfinancialproductsmarketingstrategy

BergerA,BouwmanC

Abstract

withthedevelopmentandprogressofsocialeconomy,people'srisinglivingstandards,thewealthofsociety,individualandfamilybeesthemainbodyposition,invariousmercialbankprofits,thepersonalbankingbusinessoccupytheimportantpositionandroleinit.Atthisstage,however,Brazil'spersonalfinancialproductsinmercialBanksintheprocessofmarketingoftenexposedsomeproblems,seriouslyaffectedtheenthusiasmofthefinancing.Therefore,analyzingthecurrentsituationofpersonalfinanceproductmarketing,howtomakecorrectcountermeasure,isfacingthemercialBanksisaveryimportantworkmatters.

Keywords:mercialBanks;Personalfinancialproducts;Marketingsituationandcountermeasures

Sincethe21stcentury,Brazil'seachbigmercialBankshaveenteredanewstageofdevelopment,becauseoftherisingofpeople'slivingstandard,themoremoneyinthemercialbank,so,inbankprofits,therearequiteapartofthemoneyesfrompersonalfinancialproducts,thestandorfallofpersonalfinanceproductmarketingeffect,thedevelopmentofmercialBanksandpeople'sinehasimportantinfluence.

PersonalfinancialproductmarketingreferstothemercialBankswillleadonpersonalfinancialmarkets,accordingtothepsychological,culturalandthebehavior

ofdifferentsegmentationlargepersonalcustomer,willbethebiggesttargetmarkettochoosetotheirowninterests,willbesuitableforpersonalfinancialservicesandfinancialproductsdesign.Providetotargetcustomerswiththeoverallmarketingandtransmission,andkeeptheoriginalcustomers,acquirenewcustomers,improvetheoverallobjectiveoftotalcustomer,atthesametime,tosatisfythedesiresandneedsofcustomersinthatprocessofself-interestgoalshavetobeaddressed.mercialBanksinthedevelopmentandmarketingofpersonalfinancialproductshaveinvestedalotofenergy.First,theresultsoffinancialsystemreform,andinordertotoadapttothechangeofthemarket;Second,personalfinanceproductmarketingisthemainsourceofmercialbankprofits;Again,mercialBankscanexpandthemarketwillprovidefavorableconditionsforits,tooccupythemarketcanfullyandeffectivelywillbethestrengthofitselftoeffectivelyraiseup,andwillsetupitsownimage.

Inrecentyears,thepersonalfinancialbusinessinmercialBanksinBrazilhaveconsiderably,especiallyinthemarketmarketingpersonalfinancialproducts,greatlypromotethedevelopmentofthelevel,themainpresentmanagingworkersinatimelymannerinthebankonthebusinessmodelhascarriedonthetransformation,improvethemarketingconsciousness,andgraduallytothecustomerasthecenterinsteadofself-promotionmodel,theapplicationofthethinkingofinnovationinthinking,themarketeffectivelylaunchtobebadlyinneedoffinancialproducts,avarietyofdistributionchannelsanddiversifiedmarketing.Inaddition,becausemercialBanksreformofBraziltimeisshorter,themarketingtocarryoutrealtimewon'tlonger,moreover,toadapttothefinancialsystemandconsistentwiththemarketeconomyrulesofmarketingmechanismandmanagementsystemisnotperfectenough,causetherearemoreproblemsexistinthepersonalfinancialproductmarketingactivities.

Therearemorespeciesexistinpersonalfinancialproducts,thedomesticindividualasfaraspossibleonthevariousdemandsofcustomerstomeet,andwealthmanagementproducts,suchasindividualgoldbusiness,futuresareincludedinmanyofthepersonalfinancialproducts,intheconstructionofbrand,suchasbankofbank

ofChinainBraziloffinanceandChinaconstructionbanktakechargeofthebrandandsoon,getthefavourofpeople.Secondly,onthedifferentattentiononconsumers,accordingtodifferentlevelsofcustomers,willprovideoutdifferentpersonalfinancialproducts.Whencustomersdivision,professionalaccordingtothecustomerofthedifferent,ineandage,willbeinlinewithdemandpersonalfinancialproductsareoffered.Again,inthetechnicallevelofascensionfullytheapplicationofthehighandnewtechnology.Thesystemperformanceimprovement,tobeabletofastandefficientpersonalfinancialproductsareoffered.Inordertomakeupfortheexistingproblems,somemercialBankswiththefinancialsystemofcollegesanduniversitiesindependentlydeveloped,ortolearnforeignadvancedfinancialtechnology,toconstantlyeichthemselves.

Firstofall,financialproductsisdifficulttomeetthediversifiedneedsofcustomers.Althoughthemercialbankwilllaunchmanytypesoffinancialproducts,butalsoonthediversifiedneedsofcustomersishardtogivesatisfaction.TheMarketingDepartmentofthebank,intheinvestigation,thedemandoftherealityofwhatfinancialproductssizerequiresfullconsideration,thecurrentexistingfinancialproductswithcustomersonthedemandofwhatarethedifferences,fortheshortageoftheexistingneedfromwhatrespecttosupplement.Onceonthecustomer'sneedsofthepresentfinancialproductstocannotgivesatisfaction,Bankswillneednewpersonalfinancialproductsdeveloped,replacethepreviousproduct,therefore,theseareallneedtoperfectconstantly.

Second,thedifficultyoftheinnovativefinancialproductshavealarger.Inresearchanddevelopmentandinnovationofpersonalfinancialproducts,becausethereisnosufficientmunicationexistsbetweendifferentdepartments,causethereisnoin-depthstudyofthefeaturesoftheproduct,tobringgreatinfluenceonthedevelopmentofnewproducts,orintheproductdevelopment,itisdifficulttogivesatisfactiontothecustomerdemand,highcapabilityandhighqualitystaffarelackof,intheresearchanddevelopmentofnewfinancialproducts,oftencooperatewithinstitutionsofhigherlearningshallbeplete,thishasrestrictedthedevelopmentofspeed,canappearthesituationofseparatingbusinessandscientificresearch

personnel,researchanddevelopmentofnewproductswillbringcertaininfluenceatwork.Again,parealotofabroadmercialbank,foundthatstillneedtoimprovealotofways,forexample,plexproductistheproducttypeoftheforeignmercialbank,and,onthebasisofproductstooffer,toprovidecustomerswithsatisfactoryservice,onthecontrary,asingleproductorBraziltheimportantcharacteristicsofmercialBankspersonalfinancialproducts,andthroughthesurveyfound,manycustomersarenotsatisfiedwiththeafter-saleservice.

Willpeopledemandasafinancialproductdevelopmentorientation.Toclearalotofpeopleinadditiontothesavingofpersonalfinancialproductsininvesting,securityandmakingmoneyistheirmainaim,therefore,shouldaccordingtothespecificneedsofpeopletosomeofthepersonalfinancialproductdevelopment.Toabsorbtherestinthehandsofpeopleeffectivelybinedwithfinancialproductsandinsurance,rateofreturnishigherthanthesameperiodbank,investmentproductswithlongtimeout.Facingtheeducationinvestment,canthegeneralmercialeducationalloans,educationinsurance,childreneducationfornationalstudentloanandsavingstopushout,accordingtotheneedsofyoungpeoplepurchase,tomortgageloans,butlow-interestloanstopushoutforalongtime,accordingtotherequirementsoftheelderlypension,retirementsavingsandpensioninsuranceandinvestmentforthelongreserveadvisedthemtostartfromayoungagetodo,onhealthcare,financialproductsinmedicalmercialBanksshouldspeedupthedevelopment,somehealthcarebesidesexistsintheinsuranceindustry,financialindustry,especiallythemercialBanks,needtoconstantlyperfectinthisfield.

Firstofall,financialproductsisdifficulttomeetthediversifiedneedsofcustomers.Althoughthemercialbankwilllaunchmanytypesoffinancialproducts,butalsoonthediversifiedneedsofcustomersishardtogivesatisfaction.TheMarketingDepartmentofthebank,intheinvestigation,thedemandoftherealityofwhatfinancialproductssizerequiresfullconsideration,thecurrentexistingfinancialproductswithcustomersonthedemandofwhatarethedifferences,fortheshortageoftheexistingneedfromwhatrespecttosupplement.Onceonthecustomer'sneedsofthepresentfinancialproductstocannotgivesatisfaction,Banks

willneednewpersonalfinancialproductsdeveloped,replacethepreviousproduct,therefore,theseareallneedtoperfectconstantly.

prehensiveintegrationofpersonalfinancialproducts.First,tomakeeachdepartmenttocooperateeffectively,willbebroken,scatteredpatternbeforethisfirsttorealizeinformationsharing;Second,canreducetheresources,toachievethepurposeofcostreduction;Second,tothestrengthenedmanagement,willincreasetheawarenessofriskprevention,eachfinancialinstitutiontokeeponagoodconditionforalongtime,themanagementisveryimportant,goodmanagement,canwilleffectivelypromoteproductdevelopmentspeed,cancorrectlyreflectthechangesofmarketin;Later,toeffectivelyintegratepersonalfinancialproducts,toproductsimplificationtotheshortageofthebreakthrough,canfosterstrengthsandcircumventweaknesses,willbethegoalofplementaryadvantages.

Willbedevelopedplexpersonalfinancialproducts.Productsofintegratedmarketing,accordingtodifferentcustomers,differentfinancialproductsremendedtoeout,forexample,inthefaceofsomeeducationclasscustomers,willbeabletoeducationsavingsonfinancialproductsremended,inthisproducttobinetheeducationinsuranceandsavings.Redandhavepolicyinterestexistsinwhich,atthesametime,theremendationstothecustomers,canalsobebundledupseveralkindsoffinancialproducts,however,whenthisprehensivepersonalfinancialproducts,suchassomeforeignBankstosellinsuranceproductsandpersonalhousingloantogether,throwtheusualhealthcareandinsurance,customerswantinsurancecanalsocontainamongthem,forexample,endowmentinsurance,unemploymentinsuranceandsoon.And,forsomeexcellentpracticeabroad,Brazil'smercialbankshouldalsoactivelylearn,startingfromtheneedsofcustomers,willprovideoutplexfinancialproducts.

Improvingpersonalfinancialproductmarketingchannel.Alongwiththegrowingpersonalonlinebanking,mobilebanking,telephonebankingandcreditcard,etc.,becausethereisacertaineconomy,quicknessandconvenienceexistsinthemarketingchannels,sopeoplelikethemverymuch.So,mercialBanksinBrazilatthecounterofthetraditionalmarketingmethodsbinedwithmodernelectronic

篇二：外文翻譯----商業(yè)銀行才能開展(1)

外文文獻原文及翻譯

CapabilityDevelopment:mercialBanks

Abstract

ThepetitivestrategiesofThaibanksduringthetransformativeperiodbroughtsomesuccessesandsomefailuresassociatedwithpaymentsystems.Inthischapterweshowhowbanks,rankedamongthelargestintheworld,devisedandpursuedinnovationstrategies.Thisallowsustocontrastthepetitivestrategiesoffirstmovers,dominantmarketplayers,re-engineeringleaders,andinnovativestatebanks.Thecasesillustratetherelationshipbetweeninnovationandbankingleadershipinthecountry.InthefinalsectionweassessthemoncharacteristicsoftheseapproachesandpresentsomelessonsthatcanbeappliedbyothermercialbanksseekingtouseITtogainpetitiveadvantage.

SiammercialBank

SiammercialBankwasofficiallyestablishedin1906,followingitstransformationfromaRoleofIT

SiammercialBankhasbeenprogressiveintheuseofITthroughsenior-levelmanagementsupportwhichhashelpedshapeitsvisionsandstrategies.Forexample,theactiveinvolvementofthechiefexecutiveofficerhasledtoinvestmentsindatawarehousingtechnologytolearnmoreaboutthebankand,moreimportantly,customerinformation(TheAsianBanker1997b).Furthermore,thechiefexecutiveofficerhasclearlydefinedtwomainobjectivesintheuseofIT:(1)tofacilitatedailybankingactivitiesbetweenthebankandcustomers,and(2)todevelopnewmethodsindeliveringfinancialservices(SCBTechnologies1996a).

Moreinterestingly,thebanksurprisedthebankingmunityinearly-1998byannouncinganincreasedinvestmentinitsITbudgetby2–3%overits900millionbahtinvestmentintheprevious1

year(BangkokPost1998b).ThiswasdespitethecountryBankfunctionsrelatedtoITaremainlyorganisedinthetechnologygroup.Inaddition,theinformationsystemauditdepartmentlocatedwithinthehumanresourceandcontrolgroupalsohasatechnologicalrole.Thetechnologygroup,followingtheinitiationofideasintheearly-1980sandareorganisationin1996,reportsdirectlytothebankFirstly,thetechnologypolicydivisionoverlooksbroadtechnologicaldevelopmentsandprovidesacentreofco-ordination.Itpreparesandmonitorspolicies,plans,andthebankBankAutomationandInnovation

puterswerefirstintroducedin1975.ThismainlysupporteddepositfunctionslocatedatthebankThebankintroducedtwomajorchangesintheearly1990s.Theyweretheadoptionofcustomer-basedbusinessprocessmanagementandorganisationalrestructuringatthebankAprojectcalled“relationshipbanking2022〞(RB2022)wasinitiatedjointlywithIBMtohelpshiftthebankThebankalsoadaptedandappliedobject-orientedtechnologytosupportthedeliveryoffinancialservices.Forexample,loanauthorisationsystemswerebuiltbasedonexpertsystemswhichhasdecision-makingcapabilitiesbasedona100-pointsscale.Ifaloanapplicationscoredhighpoints,theputerapprovedtheloan.Otherwise,anaverageorlowscorefurtherconsideredorrejectedtheapplicationaccordingly.Furthermore,thebankbuiltamobileloanauthorizationsystemwhichefficientlyanalysedandapprovedacustomerloanapplicationdata,followingon-lineverificationbyportableputerswithitsheadoffice.Suchservicesprovidednewchannelsfordeliveringfinancialservicesandimprovedcustomerconvenience.

Informationtechnologywasalsoappliedtoimprovepersonnelmanagementandstaffpromotion(SCBTechnologies1996c).In1994,thebankBangkokBank

BangkokBankwasestablishedbytheSophonpanichfamilyin1944andisthelargestThaimercialbank,enjoyingwiderecognitionregionallyandinternationally.In1996,itwasranked3

thelargestThaimercialbankinassets,andthe121thlargestinternationalmercialbank(KTB1997;TheBanker1997).ThebankwasalsorecognisedbyIBCA,aleadingratinginstitutioninEurope,tobetheworldRoleofIT

BangkokBankITrelatedfunctionsofthebankarelocatedwithinatechnologydivisionwhichispartofbroadersupportserviceoperations.ThisincludesotherTheapplicationofsatellitetechnologysupportedbranchbankingintheprovincialareas.Inaddition,thissupplementedtheuseoftelephonelinesinsuchremoteareaswhichwereinadequateinnumberandwerealsorelativelyueliable.Therefore,thebankinnovatedbybiningtwotypesoftechnologies–satelliteandmicrowavetechnologies.ThebankSourcesofInnovation

Thesourcesofinnovationcanbegroupedinfourmainareas.Thefirstandmostimportantsourceisbankpersonnel.Attheorganisationallevel,thebankintroducedarangeofpoliciesandprogrammesaimedatpromotingthequalityofstaffandservices.

4

Sincethebankbegantouseputersintheearly1970s,employeesworkinginaparticulardepartmentbecamefamiliarwiththeirtasks,leadingtouser-driveninnovation.Departmentalemployees,whoareownersofspecificjobfunctions,gainedfamiliaritywithparticularroutinesandusedthemasabasisfordefininguserrequirements.ThebankThissuggeststhatthetechnologydivisionplaysasupportingroletootherdepartments.Asthedecisiontouseortoinvestinaparticulartypeoftechnologyremainswiththeuser,thesearchfornewITrestswithusers.Forexample,stafffromspecialisedbankdivisionsmayrequestfortechnologyafterlearningaboutnewapplicationsfromoverseastravelandtraining.

Thesecondsource,puterpanies,isaresultofsuchoutward-orientedtrainingprogrammes.Forexample,thishasincludedtrainingwithputerpaniessuchasIBMwhichprovidedcoursesonprojectmanagementandprogrammingskills.Inaddition,thebankorganisedtrainingcourseswithMicrosoftatthebankThethirdsourceisthesystemsdevelopmentdepartmentwhichhasbeenbehindthebankThefourth,andleastimportantsource,isconsultingpanies.Duringthere-engineeringofitsworkprocesses,thebankcontractedconsultingfirms,forexampleBoozAllenandHamilton,toassistindevelopingnewcreditprocesses,creditleasemanagement,andcreditworkflowsystems.Althoughsuchfirmshaveservedasthebank篇三：銀行的金融數(shù)據(jù)分析外文翻譯

Banksanalysisoffinancialdata

AndreasP.Nawroth,JoachimPeinke

Institutfu¨rPhysik,Carl-von-OssietzkyUniversita¨tOldenburg,

D-26111Oldenburg,Germany

Availableonline30March2022

Abstract

Astochasticanalysisoffinancialdataispresented.Inparticularweinvestigatehowthestatisticsoflogreturnschangewithdifferenttimedelayst.Thescale-dependentbehaviouroffinancialdatacanbedividedintotworegions.Thefirsttimerange,thesmall-timescaleregion(intherangeofseconds)seemstobecharacterisedbyuniversalfeatures.Thesecondtimerange,themedium-timescalerangefromseveralminutesupwardscanbecharacterisedbyacascadeprocess,whichisgivenbyastochasticMarkovprocessinthescaleτ.AcorrespondingFokker–Planckequationcanbeextractedfromgivendataandprovidesanon-equilibriumthermodynamicaldescriptionoftheplexityoffinancialdata.

Keywords:Banks;Financialmarkets;Stochasticprocesses;

Fokker–Planckequation

1.Introduction

Financialstatementsforbankspresentadifferentanalyticalproblemthanmanufacturingandservicepanies.Asaresult,analysisofabank’s

financialstatementsrequiresadistinctapproachthatrecognizesabank’ssomewhatuniquerisks.

Bankstakedepositsfromsavers,payinginterestonsomeoftheseaccounts.Theypassthesefundsontoborrowers,receivinginterestontheloans.Theirprofitsarederivedfromthespreadbetweentheratetheypayforfundsandtheratetheyreceivefromborrowers.Thisabilitytopooldepositsfrommanysourcesthatcanbelenttomanydifferentborrowerscreatestheflowoffundsinherentinthebankingsystem.Bymanagingthisflowoffunds,banksgenerateprofits,actingastheintermediaryofinterestpaidandinterestreceivedandtakingontherisksofofferingcredit.

2.Small-scaleanalysis

Bankingisahighlyleveragedbusinessrequiringregulatorstodictateminimalcapitallevelstohelpensurethesolvencyofeachbankandthebankingsystem.IntheUS,abank’sprimaryregulatorcouldbetheFederalReserveBoard,theOfficeoftheptrolleroftheCurrency,theOfficeofThriftSupervisionoranyoneof50stateregulatorybodies,dependingonthecharterofthebank.WithintheFederalReserveBoard,thereare12districtswith12differentregulatorystaffinggroups.Theseregulatorsfocuson

pliancewithcertainrequirements,restrictionsandguidelines,aimingtoupholdthesoundnessandintegrityofthebankingsystem.

Asoneofthemosthighlyregulatedbankingindustriesintheworld,investorshavesomelevelofassuranceinthesoundnessofthebankingsystem.Asaresult,investorscanfocusmostoftheireffortsonhowabankwillperformindifferenteconomicenvironments.

Belowisasampleinestatementandbalancesheetforalargebank.Thefirstthingtonoticeisthatthelineitemsinthestatementsarenotthesameasyourtypicalmanufacturingorservicefirm.Instead,thereareentriesthatrepresentinterestearnedorexpensedaswellasdepositsandloans.

Asfinancialintermediaries,banksassumetwoprimarytypesofriskastheymanagetheflowofmoneythroughtheirbusiness.Interestrateriskisthemanagementofthespreadbetweeninterestpaidondepositsandreceivedonloansovertime.Creditriskisthelikelihoodthataborrowerwilldefaultonitsloanorlease,causingthebanktoloseanypotentialinterestearnedaswellastheprincipalthatwasloanedtotheborrower.Asinvestors,thesearetheprimaryelementsthatneedtobeunderstoodwhenanalyzingabank’sfinancialstatement.

3.Mediumscaleanalysis

Theprimarybusinessofabankismanagingthespreadbetweendeposits.Basicallywhentheinterestthatabankearnsfromloansisgreaterthantheinterestitmustpayondeposits,itgeneratesapositiveinterestspreadornetinterestine.Thesizeofthisspreadisamajordeterminantoftheprofitgeneratedbyabank.Thisinterestrateriskisprimarilydeterminedbytheshapeoftheyieldcurve.

Asaresult,netinterestinewillvary,duetodifferencesinthetimingofaccrualchangesandchangingrateandyieldcurverelationships.Changesinthegenerallevelofmarketinterestratesalsomaycausechangesinthevolumeandmixofabank’sbalancesheetproducts.Forexample,wheneconomicactivitycontinuestoexpandwhileinterestratesarerising,mercialloandemandmayincreasewhileresidentialmortgageloangrowthandprepaymentsslow.

Banks,inthenormalcourseofbusiness,assumefinancialriskbymakingloansatinterestratesthatdifferfromratespaidondeposits.Depositsoftenhaveshortermaturitiesthanloans.Theresultisabalancesheetmismatchbetweenassets(loans)andliabilities(deposits).Anupwardslopingyieldcurveisfavorabletoabankasthebulkofitsdepositsareshorttermandtheirloansarelongerterm.Thismismatchofmaturitiesgeneratesthenetinterest

revenuebanksenjoy.Whentheyieldcurveflattens,thismismatchcausesnetinterestrevenuetodiminish.

“optimal〞levelofworkingcapitalmanagementneedstobeidentified.

Thetablebelowtiestogetherthebank’sbalancesheetwiththeinestatementanddisplaystheyieldgeneratedfromearningassetsandinterestbearingdeposits.Mostbanksprovidethistypeoftableintheirannualreports.Thefollowingtablerepresentsthesamebankasinthepreviousexamples:Firstofall,thebalancesheetisanaveragebalanceforthelineitem,ratherthanthebalanceattheendoftheperiod.Averagebalancesprovideabetteranalyticalframeworktohelpunderstandthebank’sfinancialperformance.Noticethatforeachaveragebalanceitemthereisacorresponding

interest-relatedine,orexpenseitem,andtheaverageyieldforthetimeperiod.Italsodemonstratestheimpactaflatteningyieldcurvecanhaveonabank’snetinterestine.

Thebestplacetostartiswiththenetinterest