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英语翻译练习:中国工商银行

2019-1-25 17:45| 发布者: admin| 查看: 177| 评论: 0

摘要: 英语翻译练习:中国工商银行免费赠送福利:1)外刊精读笔记405篇2)金融时报好句子33篇3)领导人演讲致辞双语52篇4)纽约时报双语31篇5)英语热词29篇请加个人WX:Blucestudy py圈中国工商银行成立于1984年1月1日。2 ...

英语翻译练习:中国工商银行

免费赠送福利:
1)外刊精读笔记405 
2)金融时报好句子33 
3)领导人演讲致辞双语52
4)纽约时报双语31 
5)英语热词29
请加个人WXBlucestudy py

中国工商银行成立于198411日。20051028日,整体改制为股份有限公司。20061027日,成功在上交所和香港联交所同日挂牌上市。经过持续努力和稳健发展,已经迈入世界领先大银行行列,拥有优质的客户基础、多元的业务结构、强劲的创新能力和市场竞争力。将服务作为立行之本,积极建设客户首选的银行,向全球627.1万公司客户和5.67亿个人客户提供全面的金融产品和服务。自觉将社会责任融入发展战略和经营管理活动,在发展普惠金融、支持精准扶贫、保护环境资源、支持公益事业等方面受到广泛赞誉。始终聚焦主业,坚持服务实体经济的本源,与实体经济共荣共存、共担风雨、共同成长;始终坚持风险为本,牢牢守住底线,将控制和化解风险作为不二铁律;始终坚持对商业银行经营规律的把握与遵循,致力于打造百年老店;始终坚持稳中求进、创新求进,持续深化大零售、大资管、大投行以及国际化和综合化战略,积极拥抱互联网;始终坚持专业专注,开拓专业化经营模式,锻造大行工匠。国际化、综合化经营格局不断完善,境外网络扩展至45个国家和地区,盈利贡献进一步提升。2017年,多项核心指标继续保持全球第一,连续五年位居英国《银行家》全球银行1000强、美国《福布斯》全球企业2000强、《财富》500强商业银行子榜单榜首,蝉联Brand Finance全球最有价值银行品牌。

Industrial and Commercial Bank of China was established on 1 January 1984. On 28 October 2005, the Bank was wholly restructured to a joint-stock limited company. On 27 October 2006, the Bank was successfully listed on both Shanghai Stock Exchange and Stock Exchange of Hong Kong Limited. Through its continuous endeavor and stable development, the Bank has developed into the leading bank in the world, possessing an excellent customer base, a diversified business structure, strong innovation capabilities and market competitiveness. The Bank regards service as the very foundation to seek further development and has made efforts to build a “bank of the first choice of customers” while providing a comprehensive range of financial products and services to 6,271 thousand corporate customers and 567 million personal customers. The Bank has been consciously integrating the social responsibilities with its development strategy and operation and management activities, and gaining wide recognition in the aspects of promoting inclusive finance, supporting targeted poverty relief, protecting environment and resources and participating in public welfare undertakings. The Bank always keeps in mind its underlying mission of serving the real economy with its principal business, and along with the real economy it prospers, suffers and grows. Taking a risk-based approach and never overstepping the bottom line, it regards controlling and resolving risks as its iron law. Besides, the Bank remains steadfast in understanding and following the business rules of commercial banks to strive to be a century-old bank. It also stays committed to seeking progress with innovation while maintaining stability, continuously enhances the strategy of mega retail, mega asset management, mega investment banking as well as international and comprehensive development, and actively embraces the internet. The Bank unswervingly delivers specialized services, and pioneered a specialized business model, thus making it “a craftsman in large banking”. The pattern of internationalized and diversified operation was further improved, covering 45 countries and regions, and contributed more to the Bank’s profit-making. For the fifth consecutive year in 2017, the Bank ranked 1st place in the three authoritative lists of The Banker’s Top 1000 World Banks, the Forbes Global 2000 and the Fortune Global 500 Sub-list of Commercial Banks.

经营概况

Financial Highlight

2017年末,总资产260,870.43亿元,比上年末增加19,497.78亿元,增长8.1%;总负债239,459.87亿元,比上年末增加17,898.85亿元,增长8.1%;全年实现净利润2,874.51亿元,增长3.0%,平均总资产回报率(ROA)1.14%,加权平均净资产收益率(ROE)14.35%,核心一级资本充足率为12.77%,一级资本充足率为13.27%,资本充足率为15.14%。营业收入6,756.54亿元,增长5.3%,其中利息净收入5,220.78亿元,增长10.6%;非利息收入1,535.76亿元;营业费用1,861.94亿元,下降3.6%,成本收入比26.45%

As at the end of 2017, total assets of the Bank amounted to RMB26,087,043 million, RMB1,949,778 million or 8.1% higher than that at the end of the previous year. Total liabilities reached RMB23,945,987 million, an increase of RMB1,789,885 million or 8.1% compared with the end of last year. The whole year witnessed a net profit of RMB287,451 million, increasing by 3.0%, return on average total assets of 1.14%, return on weighted average equity of 14.35%, core tier 1 capital adequacy ratio of 12.77%, tier 1 capital adequacy ratio of 13.27%, and capital adequacy ratio of 15.14%. Operating income amounted to RMB675,654 million, representing an increase of 5.3%, of which net interest income stood at RMB522,078 million, representing a growth of 10.6%; non-interest income reported RMB153,576 million. Operating expenses amounted to RMB186,194 million, representing a decrease of 3.6%, and the cost-to-income ratio was 26.45%.

公司金融业务

Corporate Banking

2017年末,公司客户627.1万户,比上年末增加48.7万户。连续第八年获评《环球金融》中国最佳公司银行,首次获评《环球金融》中国最佳可再生能源银行

At the end of 2017, the number of the Bank’s corporate customers increased by 487 thousand over the end of the previous year to 6,271 thousand. The Bank was awarded the title of the “Best Corporate Bank in China” by Global Finance for eight years in a row and won the title of the “Best Bank for Renewable Energy” by Global Finance for the first time.

  1.公司存贷款业务。2017年末,公司类贷款余额89,368.64亿元,比上年末增加7,961.80亿元,增长9.8%;公司存款余额105,576.89亿元,增加11,091.69亿元,增长11.7%

1. Corporate deposits and loans. At the end of 2017, the balance of corporate loans reached RMB8,936,864 million, representing an increase of RMB796,180 million or 9.8% over the end of the previous year. The balance of corporate deposits hit RMB10,557,689 million, representing an increase of RMB1,109,169 million or 11.7%.

2.中小企业业务。推广小微金融业务中心专营模式,成立小微金融业务中心234家,采用批量化、标准化、一站式服务方式,依托互联网加强产品创新,丰富基于场景的风控和授信模式,实现信贷审批的线上化、智能化,研发推出网上质押贷款、网上小额贷款产品。获评《中国经营报》“2017卓越竞争力中小企业服务银行

2. Small and medium-sized enterprise business. The Bank promoted the specialized business model of small and micro enterprise banking centers in an all-around way, and established 234 such centers, adopting batch-based, standardized and one-stop services mode to improve efficiency and capability. The Bank strengthened product innovation in reliance of internet, enriched scenario-based risk control and credit approval models, achieved online and intelligent credit review and approval, researched and developed online mortgages and online petty loan products. The Bank received the title of the “2017 SME Service Bank with Excellent Competitiveness” from China Business Journal.

3.机构金融业务。在26个地区实现省级账户开立,地区覆盖率达68%,收入支出户、财政专户和职业年金归集账户新开户居同业首位,代理财政收支业务量同业第一,跨省异地缴罚业务覆盖面最广、业务量最大,地方债投资金额排名市场第一,金融债承销业务量继续保持银行类机构市场第一地位。

3. Institutional banking. The Bank secured the opening of provincial accounts in 26 or 68% of the 38 central governments as well as provinces (autonomous regions or municipalities) which have commenced the pension insurance reform of governmental agencies and administrative institutions, ranked the first in the banking industry in terms of the new accounts opening for receipts and payments accounts, the special fiscal accounts and the occupational annuity fund pooling account. The Bank was in the first place in the banking industry in terms of the fiscal revenue and expenditure agency business, boasted the most extensive coverage and the largest volume of cross-province traffic fine payments, and was the largest investor in the local debt investment market by value. The Bank actively promoted interbank business and maintained its position as the No. 1 in the market of banking institutions by the financial bonds it underwrote.

4.结算与现金管理业务。借助工商企业通、小微企业平台、工银e缴费以及大额资金监控等平台扩大客户规模,创新全球现金管理服务,积极为客户提供涵盖账户信息、收付款、流动性管理、投融资和风险管理六大产品线的综合金融解决方案。2017年末,对公结算账户数量748.9万户,比上年末增长7.6%,实现结算业务量2,563万亿元,比上年增长5.5%,业务规模保持市场领先。现金管理客户138.1万户;全球现金管理客户6,388户,增长10.8%

4. Settlement and cash management. The Bank actively explored the new methods of combining corporate sector with internet-based finance, actively promoted product and service innovation in a user-centric way, accelerated the development of intelligent corporate customer services, and released the “intelligent account opening” service for corporate customers. The Bank expanded the customer scale, improved customer quality and cemented customer base via such platforms as Industrial and Commercial Enterprise Link, Small and Micro Enterprise Platform, ICBC e-Payment and Large-amount Fund Flow Monitoring. The innovation of global cash management services enabled the business to grow fully at home and abroad. The Bank proactively provided customers with a full package of financial solutions covering six product lines, namely, account information, collection and payment, liquidity management, investment and financing and risk management. At the end of 2017, the Bank maintained 7,489 thousand corporate settlement accounts, representing an increase of 7.6% over the end of the previous year, and the volume of settlements reached RMB2,563 trillion, up 5.5% over the previous year. The Bank maintained its leading position in the business size. There were 1,381 thousand cash management customers and 6,388 global cash management customers. The latter represented an increase by 10.8% from last year.

5.国际结算与贸易融资业务。加快线上化转型创新,推进国际业务与互联网+”的深度融合。加快国际业务电子化系统建设,推进企业网银跨境汇款项目开发投产;为重点客户投产银企直联异地交单、SWIFT直联等功能,提升集约化业务处理效率和个性化客户服务能力。2017年,境内国际贸易融资累计发放667.30亿美元。国际结算量2.8万亿美元,其中境外机构办理1.1万亿美元。

5. International settlement and trade finance. The bank made efforts to accelerate the online transformation and innovation, and promoted the deep integration of international business with internet. The Bank sped up its development in the international business e-system, and promoted the development and rollout of the cross-border remittance project of corporate internet banking. The Bank launched the non-local presentation of documents in the Bank-Enterprise Interlink System and the SWIFT direct connection, among other functions, for key customers, which enhanced the intensive business processing efficiency and the personalized customer services capability. In 2017, domestic branches disbursed an aggregate of USD66,730 million in international trade finance. International settlements registered USD2.8 trillion, of which USD1.1 trillion were handled by overseas institutions.

6.投资银行业务。拓展并购顾问业务,创新债务融资顾问业务模式,开展股权融资顾问业务,积极发展债券承销业务。全年主承销各类境内外债券1,497支,主承销规模12,937.78亿元。境内主承销规模继续保持市场排名第一,市场份额高达13.26%

6. Investment banking. The Bank expanded its merger and acquisition advisory business by successfully carrying out domestic and foreign merger and acquisition projects, developed the new business models of debt financing consultation by achieving a success in various structured financing and liquidity debt financing projects, conducted the equity financing advisory business, improved the operational efficiency of state-owned assets, and successfully completed a batch of equity financing projects. The Bank actively developed its bond underwriting business and underwrote 1,497 domestic and overseas debt financing instruments with a total value of RMB1,293,778 million as the lead underwriter throughout 2017. The bonds which the Bank underwrote as the lead underwriter in the domestic market account for 13.26% of the market share, preserving its No. 1 position in the market.

个人金融业务

Personal Banking

2017 年末,个人金融资产总额13.0万亿元,比上年末增加7,817 亿元。个人客户5.67 亿户,增加3,758 万户,其中个人贷款客户1,226 万户,增加93万户。个人贷款49,454.58 亿元,增加7,492.89 亿元,增长17.9%。个人存款83,801.06 亿元,增加2,398.25 亿元,增长2.9%

At the end of 2017, personal financial assets totaled RMB13.0 trillion, representing an increase of RMB781.7 billion compared with the end of last year. Meanwhile, the Bank had 567 million personal customers, including 12.26 million personal loan customers, representing an increase of 37.58 million and 0.93 million respectively. The personal loans stood at RMB4,945,458 million, representing an increase of RMB749,289 million or 17.9%. The personal deposits arrived at RMB8,380,106 million, representing an increase of RMB239,825 million or 2.9%.

  1.持续深化大数据分析技术应用,不断完善和全面推广客户画像功能,形成线上线下多触点的一体化精准营销体系。

1.The Bank further deepened the application of big data analytical technology, continued to improve and promote the customer profile function in an all-around manner, and formed an online and offline integrated system of precise marketing with multiple contact points.

2.优化推广工银云管家服务,通过融e联、电话、短信等远程服务方式,为客户提供包括信息资讯、产品推介、问题咨询等专业的金融服务。

2.The Bank optimized and promoted the “ICBC Cloud Manager” services, and rendered a variety of specialized financial services, e.g. information consultation, product recommendation and inquiries, to customers remotely through ways such as ICBC Link, telephone and SMS.

3.不断创新深化工银薪管家代发工资产品内涵,提升客户服务水平;创新推出天天惠”“薪金溢3等个人存款产品。

3.The Bank continued to deepen the innovation of “ICBC Salary Manager”’s function, a payroll payment agency product, and improved the level of customer services, it released some innovative personal deposit products, e.g. “Tian Tian Hui” “Salary Premium No. 3”.

4.加强代理基金产品和业务创新,联合中证指数公司发布市场首个银行定制基金指数,代理基金业务品牌影响力进一步提升。

4.The Bank strengthened fund agency products and business innovation, and co-published the market’s first-ever bank-customized fund index with China Securities Index Co., Ltd., which made the Bank’s fund agency business brand more influential.

5.私人银行业务。加快私人银行自主理财产品创新,发行福袋系列、稳赢系列等产品组合。境外机构私人银行业务持续发展,为客户提供覆盖境外21 个国家和地区的绿色开户、资产配置、融资便利以及增值服务。工银亚洲、工银澳门私人银行客户相继突破千户。2017 年末,私人银行客户7.55 万户,比上年末增加5,431 户,增长7.7%。管理资产1.34 万亿元,增加1,266 亿元,增长10.7%

5. Private banking. The Bank’s overseas institutions’ private banking business experienced sustained growth, and the bank was able to provide green account opening, asset allocation, credit facility and value-added services for customers in 21 overseas countries and regions. At the end of 2017, the Bank maintained 75,500 private banking customers, representing an increase of 5,431 or 7.7% from the end of the previous year. Assets under management amounted to RMB1.34 trillion, growing by RMB126.6 billion or 10.7% from the end of the previous year.

6.银行卡业务。认真落实账户分类要求,加快移动支付产品转型,丰富卡片权益,进一步提升支付安全性。推出纯信用、全线上的互联网个人信用消费贷款产品e2017年累计发放贷款983.15亿元。e产品获《银行家》十佳互联网金融产品创新奖2017年末,银行卡发卡量9.08亿张,比上年末增加8,096万张,其中借记卡发卡量7.65亿张,信用卡发卡量1.43亿张。信用卡透支余额5,347.76亿元,比上年末增加827.37亿元,增长18.3%2017年,银行卡实现消费额6.7万亿元,其中借记卡消费额4.3万亿元,信用卡消费额2.4万亿元。

6. Bank Card Business. The Bank introduced “ICBC Easy Loan”, a purely credit-based online personal consumption loan product, which disbursed loans of RMB98,315 million accumulatively in 2017. The “ICBC Easy Loan” won the “Top 10 Internet Financial Products: Innovation Award” granted by The Chinese Banker. At the end of 2017, the Bank issued 908 million bank cards, representing an increase of 80.96 million cards compared with the end of the previous year. Among which, 765 million debit cards and 143 million credit cards were issued. Overdraft balance of credit cards rose by RMB82,737 million or 18.3% from the end of previous year to RMB534,776 million. In 2017, bank cards registered a consumption volume of RMB6.7 trillion, including RMB4.3 trillion of spending with debit cards and RMB2.4 trillion of spending with credit cards.

金融资产服务业务

Financial Asset Services

积极把握客户财富增长和资本市场发展契机,依托集团资产管理、托管、养老金等业务优势,以及基金、保险、租赁、投行等综合化子公司功能,构建全价值链的大资管业务体系,为客户提供多元化、一体化的专业服务。

Seizing the opportunities arising from customers’ wealth increase and capital market growth, the Bank made efforts to establish a mega asset management business system across the whole value chain and leveraged its strength of the Group’s asset management, custody, pension businesses, and the functions of its comprehensive subsidiaries specialized in fund, insurance, leasing and investment banking. Thus, the Bank rendered diversified and integrated professional services for its customers.

  1.理财业务。不断丰富个人理财产品线,丰富客户对投资周期的差异化选择。围绕服务实体经济和防控金融风险发展法人理财业务,提升客户理财服务体验和交易效率;积极利用新技术手段提升业务风险防控能力,推出产品真实性在线验证服务,保障客户资金安全。2017年末,理财产品余额30,120.84亿元,比上年增长11.4%,规模保持同业第一。

1.Wealth management business.The Bank kept expanding the product lines of personal wealth management and developed wealth management services for corporate customers to serve the real economy and prevent and control financial risks. At the end of 2017, the balance of stock wealth management products increased by 11.4% compared with last year to RMB3,012,084 million, remaining the largest in the industry.

2.资产托管业务。在证券投资基金、保险、银行理财、企业年金、基金专户、全球资产托管等主要托管产品领域均保持市场领先。成功托管市场首只公募FOF基金,获得国内首单职业年金基金归集账户托管资格,获得国际货币基金组织QFII、景顺INVESCO和富达公司境内WFOE私募基金托管委任。2017年末,托管资产总净值15.5万亿元。

2.Asset custody services. The Bank has developed a sound asset custody product and service system, and remained a market leader in respect of custody products. The Bank successfully became the custodian of the first public FOF fund in the market, obtained the custody qualification for the first domestic occupational annuity fund pooling account and the entrustment of custodianship from International Monetary Fund QFII, INVESCO and Fidelity’s domestic WFOE privately offered funds. At the end of 2017, total net value of assets under the Bank’s custody amounted to RMB15.5 trillion.

3.养老金业务。2017年末,受托管理养老金基金1,079亿元,管理养老金个人账户1,730万户,托管养老金基金5,016亿元。受托管理企业年金规模、管理企业年金个人账户数量和托管企业年金规模稳居银行同业首位。

3.Pension services. At the end of 2017, the pension funds under the Bank’s trusteeship amounted to RMB107.9 billion; the Bank managed 17.30 million individual pension accounts, and the pension funds under the Bank’s custody totaled RMB501.6 billion. The Bank led other banks in terms of the scale of enterprise annuity funds under the Bank’s trusteeship, number of individual enterprise annuity accounts and enterprise annuity funds under the Bank’s custody.

4.贵金属业务。加快实物产品创新,推出新型工艺及轻奢题材的实物产品,加快配套物流体系建设,满足客户对实物产品题材多样化、配送及时化、服务便捷化的消费需求。推动线上线下实物销售融合发展,融e购平台工银金行家旗舰店实物销售收入比上年增长超100%。稳健开展黄金融货业务,满足贵金属产业链客户需求。加快贵金属业务国际化发展,开展伦敦洲际交易所(ICE)国际黄金定盘商业务,参与洲际交易所(ICE)国际黄金定盘业务超过500场,不断提升国际影响力。全年贵金属业务交易额1.60万亿元。代理上海黄金交易所清算额4,666亿元,比上年增长14.8%

4.Precious metal business. The Bank made active efforts in adapting to market changes, accelerated the innovation in physical products, launched physical products crafted with new techniques and with affordable luxury theme, and sped up the building of supporting logistics system to satisfy the customer’s consumption demands for physical products with diversified themes, timely delivery and convenient services and enhance their consumption experience. In 2017, the sum of precious metal business transactions was RMB1.60 trillion. The Bank cleared RMB466.6 billion on behalf of the Shanghai Gold Exchange, up 14.8% from last year.

5.代客资金交易。全年代客结售汇业务量4,228亿美元。外汇买卖业务稳步发展,一带一路及新兴市场货币业务领先优势进一步巩固。全年代客外汇买卖业务量2,034亿美元。在同业中率先推出账户基本金属和账户农产品连续交易产品,全部账户商品均已实现连续交易,解决客户对账户商品的长期投资需求,进一步巩固账户交易产品的市场优势。全年账户类交易量4,110亿元。积极为客户提供基于外汇汇率与利率风险管理的金融服务,全年代客外币衍生品业务交易量303亿美元,比上年增长77.9%。凭借在人民币国际化和推动中国衍生品市场建设中发挥的突出作用荣获《亚洲风险》2017年度中国最佳银行。大力拓展代理交易境外机构客户,与来自全球36个国家和地区的127个机构客户建立代理交易合作关系;稳步推进柜台债券业务创新,面向柜台市场投资者完成首期易地扶贫搬迁专项债券、国内首单长江水流域治理绿色债券分销工作,助力国家扶贫战略及绿色发展战略。

5.Agency treasury business. The Bank achieved steady development in foreign exchange trading business, and further consolidated its leading advantages in the money business in the Belt and Road and emerging markets. The Bank was among the first in the banks to roll out the paper base metals and paper agricultural products non-stop trading products. The Bank provided customers with financial services on the basis of foreign exchange rate and interest rate risk management. In 2017, the volume of franchise foreign-currency derivatives transactions reached USD30.3 billion, increased by 77.9% compared with last year. The Bank was awarded the 2017 “House of the Year in China” by Asia Risk thanks to its eminent role in RMB internationalisation and promoting the building of derivative market in China. The Bank made great efforts in expanding the overseas institutional customers in franchise trading business, and established franchise trading cooperative relationships with 127 institutional customers from 36 countries and regions in the world. In 2017, the volume of franchise foreign exchange settlement and sales hit USD422.8 billion; the volume of franchise foreign exchange trading stood at USD203.4 billion.

6.资产证券化业务。2017年,在银行间市场共发行7期证券化产品,累计发行规模465.65亿元,其中:通过发行2期信用卡不良项目和2期个人贷款不良项目,积极支持不良贷款处置工作,实现信贷结构的优化调整;发行3期个人住房抵押贷款证券化项目,有效支持新增个人住房贷款需求。

6.Asset securitization business. In 2017, the Bank issued seven tranches of securitization programs totaling RMB46,565 million. Among them, two tranches were non-performing credit card loans programs and two non-performing personal loans programs, and these programs helped the Bank with its NPL disposal and the improvement and adjustment of its credit structure; the Bank issued three tranches of residential mortgage securitization programs, thereby effectively supporting the new demands for residential loans.

7.代理销售业务。2017年,代理基金销售9,232亿元,代理国债销售653亿元,代理个人保险销售1,364亿元。

7.Agency sales. In 2017, sales of funds, treasury bonds and personal insurance products under agency arrangement totaled RMB923.2 billion, RMB65.3 billion and RMB136.4 billion respectively.

资金业务

Treasury Operations

2017年,结合金融市场走势与流动性管理需要,适时调整投资与交易策略,合理安排投资品种和结构,多措并举提升资金业务盈利水平。

In 2017, the Bank combined the financial trend with the need of liquidity management, flexibly adjusted investment and transaction strategies, rationally arranged for the types and structures of investments, and took multiple measures to improve the profitability of treasury operations.

  1.货币市场交易。人民币货币市场方面,合理安排银行类与非银行类金融机构融出规模,提高资金使用效率;大力发展债券借贷业务,盘活存量债券,实现规模与收益同步提升;

  外汇货币市场方面,提高收益相对较高的境内银行拆放交易占比,提升资金运作收益。全年境内分行累计融入融出人民币资金26.23万亿元,其中融出18.58万亿元;外币货币市场交易量7,802亿美元。

1.Money market activities. On the RMB money market, the Bank reasonably arranged the lending scale to banking and non-banking financial institutions to enhance the fund use efficiency; it also vigorously developed bond lending business and put existing bonds to good use, thereby realising increase in both scale and returns. On the foreign-currency money market, the Bank endeavoured to generate more returns from fund operations, and increased the proportion of domestic inter-bank lending and borrowing whose returns are relatively higher. In 2017, domestic trading amount in the inter-bank market was RMB26.23 trillion, of which lending amounted to RMB18.58 trillion. The transaction volume in foreign-currency money markets recorded USD780.2 billion.

2.投资业务。人民币债券投资方面,统筹安排投资进度与节奏,优化投资品种结构;加大经济资本占用较少的地方政府债及国债投资力度,积极支持实体经济建设。外币债券投资方面,加大外币债券投资组合主动管理力度,提高波段操作频率,增加价差收益;外币债券做市业务实现跨越式发展,服务中资同业机构达44家,在外币债券同业市场中的影响力显著提升。

2.Investment. With respect to investment in RMB bonds, the Bank, following the trend of market interest rate, scientifically formulated investment strategies, made unified arrangement for investment progress and pace, and improved the structure of underlying assets in investment; it also enlarged investment in government bonds and treasury bonds which occupy less economic capital, and actively supported the real economic development.With respect to investment in foreign currency bonds, against the higher cost of foreign currency funds and the narrower net interest margin of bond portfolio as a result of interest rate hikes by the U.S. Federal Reserve, the Bank stepped up active management of foreign currency bond portfolio, increased frequency of band operations and added spread earnings; it achieved significant development in the market making of foreign currency bonds, and served 44 Chinese inter-bank institutions, markedly enhancing the Bank’s influence in inter-bank foreign currency bond market.

3.融资业务。根据资金运作及流动性管理需要,合理安排包括银行间市场同业融入、短期同业定期存款、大额存单等主动负债规模和结构,增强多元化负债对资产业务发展的支撑能力。

3.Financing. In line with its fund operation and liquidity management needs, the Bank rationally arranged the scale and structure of its active liabilities including inter-bank borrowing from the inter-bank market, short-term time deposits with other banks and large-value CDs in order to enhance the supporting capacity of diverse liabilities to asset business growth.

互联网金融

E-finance

全面推进e-ICBC 3.0互联网金融发展战略,加快创新引领,升级完善以三大平台为主体,覆盖和贯通金融服务、电子商务、支付、社交生活的互联网金融整体架构。

The Bank advanced its e-ICBC 3.0 internet-based finance development strategies on all fronts, played a guiding role in leading innovation, upgraded and improved the overall architecture of internet-based finance with the information platform, open platform and service platform ICBC Link, online intelligent financial transaction service platform ICBC Mobile and integrated e-commerce and financial platform ICBC Mall as the main pillars and covering financial services, e-commerce, payment and social life. The Bank continued to render better customer experience, improved its risk prevention and control system to inject new vigor into the business transformation of the Bank.

  1.e行。推出指纹、刷脸登录和支付功能,一键转账、网银扫码登录、免登录查询等系列产品和服务。以专业安全为目标,全新推出手机银行安全中心,上线安全检测、账户安全锁等功能。2017年末,融e行客户数达到2.82亿户。

1.ICBC Mobile. The Bank launched the fingerprint and face scanning login and payment functions, and one-key transfer, QR code scanning login on internet banking, inquiry without login and other products and services. With professional security as the goal, the Bank rolled out the Mobile Banking Security Center, featuring online security check, account security lock and other functions. Thus active, intelligent, scenario-based and visible security service experience can be provided. The new version of corporate internet banking achieved the comprehensive upgrade in transaction procedure streamlining, convenient operation and friendly interaction by launching customized frequently-used functions, simplified menu, intelligent search and other functions. At the end of 2017, the number of ICBC Mobile customers reached 282 million.

2.e购。提升融e购移动端客户体验,上线资产交易平台、大宗商品撮合平台等系列特色平台,打造特色商融场景。签约上线943家优质绿色食品企业,基本覆盖国内具备电商运营服务能力的绿色食品企业,成为国内绿色食品最齐全、最权威的电商平台之一。2017年,融e购平台全年累计实现交易额1.03万亿元。

2.ICBC Mall. The Bank delivered better customer experience on the mobile clients of ICBC Mall, and developed the functions exclusive to the mobile client, including red packets sharing, fingerprint login, new mobile-client air ticket channel and sharing to social platforms. The Bank rolled out asset transaction platform, commodity matchmaking platform, travel mall, refueling and top-up, auto mall, wealth management product mall and other special platforms. The Bank created special business financing scenarios, and achieved new breakthroughs in public welfare and poverty relief, green and health, intelligent life, commodities, etc. The Bank signed contracts with 943 quality green food enterprises, a move enabling ICBC Mall to cover nearly all the green food enterprises with e-commerce operation and service capacity in China. Thus ICBC Mall became one of the most authoritative e-commerce platforms with the most comprehensive ranges of green food. In 2017, ICBC Mall achieved an accumulative transaction amount of RMB1.03 trillion.

3.e联。上线我在工行年度账单大数据画像产品,发挥大数据优势为客户提供信息增值服务。建设一体化服务平台,上线投产群发助手、全渠道服务评价、私人银行对账单、账户贵金属转账等重要功能,助力客户经理服务能力提升。2017年末,融e联注册客户数1.14亿户。

3.ICBC Link. The Bank rolled out “I’m right here at ICBC” annual statement big data portrait product, to leverage the big data’s advantages to offer value-added information services. The Bank established an integrated service platform, and went live group messaging tool, all-channel service assessment, private banking statement, paper precious metal transfer and other important functions to assist customer managers in giving better services. The Bank rolled out service public accounts covering 2,550 scenarios, and provided various convenient services such as UCAR, ofo bike sharing, umbrella sharing, payment of traffic fines, ETC travel fee-deduction notice, social security payment, campus card top-up and payment by scanning QR on VEM. At the end of 2017, ICBC Link had 114 million registered users.

4.融资产品线。打造全产业链融资模式,将融资服务向产业终端延伸,贯通供应商、经销商和终端个人客户的融资需求。创新投产网上票据池质押融资产品,法人客户网上质押融资押品种类进一步增加,优化网络融资系统功能。2017年末,网络融资余额超过8,400亿元。

4.Financing product line. The Bank adopted the whole-industry-chain financing model, extended the financing services to the end of industries, and met the financing demands of suppliers, dealers and the end individual customers. The Bank innovatively launched the financing product pledged with the assets in the online bill pool, further expanded the types of pledge for online pledge by corporate customers, and improved the functions in the internet financing system. At the end of 2017, internet financing balance exceeded RMB840 billion.

5.支付产品线。推出行业首款二维码支付产品,并与北京、武汉地铁集团达成移动支付合作,成为国内首家支持手机二维码乘车的商业银行。工银e缴费缴费场景进一步丰富,已覆盖水电、燃气、供暖、社保等多个便民服务场景。在业内率先推出7x24小时交易的法人理财产品法人e灵通,企业客户可通过互联网平台灵活快捷的开展理财投资。

5.Payment product line. The Bank rolled out the first QR code payment product in the banking industry, covering catering, shopping, express delivery and other small-amount payment scenarios. It also cooperated with Beijing and Wuhan subway groups on mobile payment, making it the first commercial bank in China that supports paying for subway ride by scanning QR code on mobile phone. The payment scenarios of “ICBC e-Payment” further expanded, covering scenarios such as payment of water, electricity, gas and heating bills and social security, thus making customers’ lives more convenient. The Bank is the first in the banking industry to launch a 7x24-trading wealth management product for corporate customers, “Corporate e-Moneylink”, on which corporate customers can conduct wealth management and investment on internet platforms.

6.投资理财产品线。在财富管理领域创新推出智能投顾产品AI投,应用人工智能、大数据技术和量化投资模型,面向客户综合提供基金投资组合推荐、动态调仓等服务。网银渠道持续优化,新增结售汇业务报价、利率掉期交易等功能,对公代客商品交易品种进一步增加。全面建成国内领先的多渠道、全产品线、多模式、全流程管理的对公代客交易系统。

6.Investment and wealth management product line. The Bank innovatively launched the intelligent investment consultation product AI Investment in wealth management, which applied AI and big data technologies and quantitative investment models, and rendered customers with fund portfolio recommendation and dynamic position adjustment and other services. The Bank continued to improve the internet banking channel, added functions such as foreign exchange trading quotation, interest rate swaps, etc., and further increased the types of agency commodities trading for corporate customers. It had completed the building of a leading agency trading system for corporate customers in China which has multiple channels, a complete range of product lines, multiple models and whole-process management.

渠道建设与服务提升

Channel Development and Service Enhancement

  1.持续推进网点区域布局优化。继续以调结构、优业态、提效能为主线,突出重点分行、重点城市、重点网点。持续提升网点资源与客户需求、金融资源的匹配度,增强对重点区域及主要客群的服务供给能力。加快构建网点群落化管理体系,在做小、做精、做活轻型网点的同时做大、做优、做强核心网点,实现网点业态功能协同互补。2017 年末,营业网点16,092 家,自助银行27,196 个,自动柜员机95,043台,自动柜员机交易额118,611亿元。

1.The geographic distribution of outlets was constantly improved. The Bank continued to focus on “adjusting structure, improving business forms and efficiency”, and highlighted key branches, cities and outlets. It formulated the Plan for Improving Outlet Distribution for 2018-2020, constantly increased the match between outlet resources and customer demands, financial resources, and enhanced the capacity of service supply to key regions and main customer segments. It sped up the formulation of outlets community-based management system, and built bigger, better and stronger core outlets while scaling-down, refining and activating small-sized outlets to realize the synergy and complementation of the outlets in terms of business forms and functions.At the end of 2017, the Bank had 16,092 outlets, 27,196 self-service banks and 95,043 ATMs whose trading volume amounted to RMB11,861.1 billion.

2.全面推广网点智能服务模式。稳步实施网点智能化改造,持续完善智能服务流程和功能,推动网点营销服务转型。新增菜单模糊查询、对公开户、人脸识别辅助开卡、安全介质管理等智能服务功能。研发、投产存折自动柜员机、便携式智能柜员机、升级版产品领取机等新型设备,有效提升智能服务客户体验。

2.Intelligent service model was popularized at outlets comprehensively. The Bank made smooth progress in building intelligent outlets, continued to improve intelligent service processes and functions and drove the transformation of marketing services at outlets. It added the menu fuzzy inquiry, account opening for enterprises, face-recognition-assisted card issuance, security medium management and other intelligent service functions. It researched, developed and rolled out ATM for passbooks, portable intelligent terminal, upgraded intelligent receiving machine and other new equipment, which effectively improved customer experience in intelligent services.

3.深入推进网点线上线下一体化转型。持续丰富和完善渠道二维码、网点WiFi、网点小程序等各类新型渠道入口与工具,针对新产品开展联合推广活动,构建员工、网点、自助机具和手机APP 等多界面推广、线上线下互联互通的立体营销新模式。

3.The outlets’ transformation towards integrated online and offline development was pushed ahead. The Bank continued to diversify and improve the entrances of new channels and related tools such as channel-based QR code, outlet WiFi, outlet mini programs, launched joint promotional activities for new products, and set up a fresh three-dimensional marketing model characterized by promotions on multiple interfaces such as staff, outlet, self-service equipment and mobile applications, and interconnections both online and offline.

4.服务提升。始终围绕建设客户满意银行这一总目标,通过完善机制、强化管理、优化体验等具体举措,促进客户满意度提升和体验优化,服务效率稳步提升,服务面貌持续改善,客户口碑不断向好。

4.The service was enhanced. Focusing on the overarching objective of “bank to the satisfaction of customers”, the Bank improved the customers’ satisfaction and experience by taking specific measures such as refining mechanisms, strengthening management and optimizing experience. As a result, the Bank steadily improved its service efficiency and services, and enjoyed better reputation among customers.

国际化、综合化经营

Internationalized and Diversified Operation

稳步推进全球网络布局与渠道建设,深化境外机构网络延伸。布拉格分行、蒙古代表处正式开业,瑞士苏黎世分行获颁牌照,全球服务网络日趋完善。工银莫斯科圣彼得堡分行、工银美国休斯敦机构先后开业,境外本地服务网络进一步增强。在香港完成工银资管(全球)揭牌,打造了集团全球资产管理统一运营平台。截至2017年末,在45个国家和地区建立了419家机构,通过参股标准银行集团间接覆盖非洲20个国家,与143个国家和地区的1,545家境外银行建立了代理行关系,服务网络覆盖六大洲和全球重要国际金融中心。其中,在一带一路沿线20个国家和地区拥有129家分支机构。累计支持一带一路项目358个,合计承贷金额945亿美元。2017年新承贷项目123个,承贷金额339亿美元。境外机构(含境外分行、境外子公司及对标准银行投资)总资产3,585.97亿美元,比上年末增加521.47亿美元,增长17.0%,占集团总资产的9.0%,提高0.2个百分点。报告期税前利润39.18亿美元,比上年末增加6.71亿美元,增长20.7%,占集团税前利润的7.0%,提高0.8个百分点。各项贷款2,163.60亿美元,增加404.89亿美元,增长23.0%;客户存款1,204.24亿美元,增加232.01亿美元,增长23.9%

The Bank steadily pushed forward the global network layout and channel construction and deepened the extension of network of overseas institutions. The Bank’s global service network is maturing with Prague Branch and Mongolia Representative Office opening for business officially and Zurich Branch in Switzerland granted the license. Saint Petersburg Branch of Bank ICBC (JSC) and the Houston-based institution affiliated to ICBC (USA) started business successively, further enhancing the layout of local service network overseas. The Bank also unveiled ICBC Asset Management (Global) Company Limited in Hong Kong, creating a unified global asset management platform for the Group. As at the end of 2017, the Bank established 419 institutions in 45 countries and regions and indirectly covered 20 African countries as a shareholder of Standard Bank. The Bank also established correspondent banking relationships with 1,545 overseas banking institutions in 143 countries and regions, making its service network covering six continents and important international financial centers around the world. Among which, the Bank maintained 129 institutions in 20 countries and regions along the Belt and Road. Total assets of overseas institutions (including overseas branches, subsidiaries and investments in Standard Bank) of the Bank were USD358,597 million, an increase of USD52,147 million or 17.0% from the end of the previous year, and they accounted for 9.0% of the Group’s total assets, increased by 0.2 percentage points. Profit before tax during the reporting period was USD3,918 million, increasing by USD671 million or 20.7% compared with the end of the previous year and representing 7.0% of the Group’s profit before tax, increased by 0.8 percentage points. Total loans amounted to USD216,360 million, rising by USD40,489 million or 23.0%, and due to customers totaled USD120,424 million, increasing by USD23,201 million or 23.9%.

综合化子公司对集团盈利贡献和战略协同作用进一步增强。工银瑞信加强集团战略协同,不断夯实投研核心竞争力,持续丰富完善产品线和提升客户服务水平,资产管理规模继续保持稳步增长的良好态势。工银租赁全力推进转型发展,有效提升内部管理水平,各项业务稳健增长,资产质量保持稳定,经营态势持续向好。工银安盛积极推动健康保障类业务发展,实现保费收入平稳增长,业务结构持续改善。工银国际四大业务板块投资银行、销售交易、投资管理和资产管理积极对接集团业务发展战略,经营业绩高速增长,品牌形象和市场影响力大幅提升。成立国内首批商业银行债转股实施机构工银投资,充分发挥综合金融服务优势,有序有效推动市场化债转股项目落地实施。

The Bank further consolidated the comprehensive subsidiaries’ profit contribution to and strategic synergies with the Group. ICBC Credit Suisse Asset Management enhanced the strategic synergy of the Group, continuously strengthened its core competitiveness in research and investment, kept expanding the product line and improving customer service level, and maintained a steady growth in asset management scale. ICBC Leasing achieved a steady growth in businesses, maintained stable asset quality, and continued to improve its business performance. ICBC-AXA achieved a stable growth in premium income and ensured continuous improvement of its business structure. ICBC-AXA worked hard to realize refined management and scientific decision-making.ICBC International’s four major businesses, i.e. investment banking, sales and transaction, investment management and asset management developed in line with the business development strategies of the Group. Its business performance grew rapidly and its brand image and market influence enhanced significantly.ICBC Investment, as one of the first commercial banks in China to conduct debt-for-equity swap, gave full play to the advantage of integrated financial services and effectively promoted the implementation of the market-oriented debt-for-equity swap project.

信息化银行建设

IT-based Banking Development

优化全集团安全生产运营管理。在业务量攀升的情况下,全行信息系统安全运行形势达到历年最好水平,首次实现数据中心同城常态化跨年运行。推进业务系统监控和智能运维平台部署,推广系统环境自动化部署等变更自动化运维工具,部署数据库切换等应急自动化切换工具。开展生产运维数据分析、挖掘和实现运维服务价值,推动业务和科技管理进步。贯彻落实《国家网络安全法》,建立全行网络与信息安全通报机制,持续建设信息安全监控和处置平台(SOC),建立全行攻防演练体系,全面提升整体安全防护能力。

The whole group’s safe production and operation was better managed. Therefore, despite the business volume has increased a lot, the Bank still reported the historically best and safest operation of information systems, and achieved normal local operation of data centers across years for the first time. The Bank carried forward the arrangements for the business system monitoring and intelligent operation and maintenance platform, popularized a series of tools on automatic operation and maintenance of changes, e.g. automatic deployment of system environment, and deployed the automatic switch tools in case of emergencies, e.g. database switch. The analysis and mining of production, operation and maintenance data was launched together with the realization of operation and maintenance service value in an effort to achieve progress in business and technological management. The Bank implemented the China Cyber Safety Act, set up the ICBC network and information safety notification mechanism, continued development of the information safety monitoring and response platform (SOC), establishment of the ICBC attack prevention drill system, and all-around enhancement of overall safety protection ability.

加快新技术研究应用与IT架构转型。组建七大创新实验室,全面布局金融科技各前沿领域,积极探索区块链、人工智能、物联网、云计算等应用场景,打造贵州脱贫攻坚基金区块链平台,运用区块链技术推进雄安新区建设资金的透明管理,上线智能投顾“AI,构建工银物联网服务平台。持续推动IT架构转型,率先在行业内建设应用平台云,通过与基础设施云和软件定义网络相结合,实现对基础计算资源和应用资源的动态管理。实施主机应用架构优化提升,加大分布式应用,构建大数据云,深入开展IT蓝图规划设计,为全行新一代智慧银行信息系统(ECOS)建设工程奠定基础。

The Bank accelerated the research and application of new technologies and the transformation of IT architecture. It set up seven innovation labs, made overall layout across each frontier of FinTech, actively explored application scenarios such as blockchain, artificial intelligence, Internet of Things and cloud computing, put in place the blockchain platform of Guizhou Anti-poverty Fund, applied the blockchain technology in promoting the transparent management of the funds for construction of Xiong’an New Area, rolled out “AI Investment”, an intelligent investment adviser, and built the “ICBC Internet of Things Services Platform”. While continuously promoting the transformation of IT architecture, the Bank became the first one in the banking industry to develop and use the platform cloud, and combined with the infrastructure cloud and the software-defined network to realize the dynamic management of basic computing resources and application resources. What’s more, the Bank carried out the optimization and improvement of the host’s application architecture, increased distributed application, developed own big data and cloud computing, and deepened the planning and design of IT blueprint, laying a foundation for the development of the new-generation smart banking information system (ECOS).

推进全客户、全渠道、全产品的业务创新服务。推动互联网金融战略从e-ICBC 2.0e-ICBC 3.0智慧银行升级,成功推广新一代企业网银,统一工银e支付品牌,发布工银融e产品。加快互联网金融生态圈建设,推出新版工银e生活,完成统一APP云闪付建设,创新工银小白数字银行。推进国际化和综合化相关系统建设,新境外反洗钱系统(BRAINS)在23家境外机构投产应用;工银莫斯科成为本行首家基于境外平台核心系统设立的人民币清算行;工银租赁推出新一代租赁业务核心系统。

The Bank pushed forward innovative services that cover all customers, all channels and all products. It propelled the upgrade of the internet-based financial strategy from e-ICBC 2.0 to the smart banking e-ICBC 3.0, successfully popularized the new-generation corporate internet banking, unified the “ICBC e Payment” brand, and made debut the “ICBC Easy Loan” product. It quickened the development of the internet-based financial ecosphere, released a new version of ICBC e Life, completed the development of a unified “Cloud Quick Pay” APP, and launched an innovative digital banking called “ICBC Xiao Bai”. The development of systems for internationalization and diversification was advanced; BRAINS, the new overseas anti-money laundering system, was rolled out at 23 overseas institutions; Bank ICBC (JSC) became the first RMB clearing bank of ICBC using an overseas platform’s core system; and ICBC Leasing released the new-generation core system for leasing business.

2017年,连续四年在中国银监会信息科技监管评级中处于全行业第一位。4项研究成果获得2017年度中国银监会信息科技风险管理课题奖,8项科技成果获得人民银行银行科技发展奖。获得国家知识产权局专利授权50项,累计获得专利授权506项。

2017 marked the fourth consecutive year for the Bank to rank the first in the banking industry in the information technology supervisory rating of CBRC. The Bank had four research findings that won the 2017 IT Risk Management Research Project Award of CBRC, and eight scientific and technological achievements that won the Banking Technological Development Award of PBC. The Bank obtained 50 patents from the State Intellectual Property Office, and the total number of patents owned by the Bank increased to 506.

风险管理

Risk Management

2017年,持续推进全面风险管理体系建设,完善风险管理技术和管理手段,提高风险预判和动态调控能力,进一步提升全面风险管理的前瞻性和有效性。推进落实最新监管要求,完善全面风险管理制度体系,加强风险管理三道防线机制建设,强化风险偏好及风险限额管理,开展交叉性金融风险的研究和监控;做好集团并表风险管理,提升非银行子公司的风险管理能力,推进二级子公司统一管理;持续推进信用风险计量体系建设,提高评级的准确性和稳定性,进一步拓展内部评级结果应用范围;提升集团市场风险管理水平,重点加强境外机构市场风险管理,全面落实产品控制工作要求,深化理财业务风险管理,强化理财业务投资管理和市场风险限额管理;持续深化国别风险管理,加强国别风险监测分析和限额管理,提高主权风险管控能力,有力支持国际化战略。

In 2017, the Bank continued to push for development of the enterprise risk management system, upgraded risk management technologies and methods and enhanced the capacity of risk pre-judgment and dynamic adjustment capabilities, so as to make enterprise risk management more forward-looking and effective. The Bank improved the enterprise risk management system, strengthened development of the three lines of defense for risk management, intensified the management of risk appetite and risk limits and researched and monitored cross-financial risks in accordance with the latest regulatory requirements. The Group’s consolidated risk management was properly carried out to boost the risk management capability of non-banking subsidiaries and advance unified management of tier-two subsidiaries. The credit risk measurement system was improved continuously for higher accuracy and stability, with internal ratings applied more broadly. The Group’s market risk management was boosted to a higher level, with focus on strengthening market risk management of overseas institutions, fully implementing product control requirements, deepening risk management of the wealth management business and intensifying investment management of wealth management and market risk limit management. Country risk management was continuously deepened to strengthen country risk monitoring and analysis and limit management, enhance the capability of sovereign risk management and provide strong supports for implementing the Bank’s internationalization strategy.

社会责任

Social Responsibility

提供卓越金融服务——服务客户、回报股东、成就员工、奉献社会为社会责任工作目标,始终立足经济社会发展的普遍诉求,服务于经济发展与社会进步的可持续发展大局,赢得社会各界的广泛认可,荣获企业社会责任最佳卓越奖”“年度最具社会责任金融机构”“年度卓越社会贡献银行等多项大奖。

Taking the social responsibility objective of “Excellence for You — Excellent services to clients, Maximum returns to shareholders, Real success for our people, Great contribution to society”, the Bank is committed to serving the common interests in economic and social development and promoting sustainable economic development and social progress. Thanks to these efforts, the Bank won wide recognition from various social sectors and such awards as the “Excellence in Corporate Social Responsibility”, the “Best Social Responsibility Financial Institution Award of the Year”, and the “Annual Bank with Excellent Social Contribution of the Year”.

 

英语阅读长难句解析(外刊精读笔记)

The humiliating failure of a system that was supposed to be foolproof, checked and counterchecked repeatedly, could not have been more public – watched by Hollywood stars and millions of people across the world on television.

  长难句解析:

  词汇突破:1.foolproof 不会错的,万无一失的

  2.humiliating 令人丢脸的

  主干识别:The humiliating failure of a system could not have been more public

  这样令人丢脸的失误简直不能再公开了。

  也就是说:这个丑出的不能再大了

  切分成分:that was supposed to be foolproof, checked and counterchecked repeatedly,

  定语从句

  A system was supposed to be foolproof, checked and counterchecked repeatedly

  这本应该是一个万无一失,反复查验的系统。

  watched by Hollywood stars and millions of people across the world on television.

  定语

  The humiliating failure is watched by Hollywood stars and millions of people across the world on television

  参考译文:这本应该是一个万无一失,反复查验的系统,但现在却在好莱坞明星和全世界数以百万计的电视观众面前出现了令人丢脸的错误,而且这个丑出的不能再大了。

  (来好好看看这个译文,反正我被自己帅着了!)

  重要背景介绍:

  本届奥斯卡颁奖典礼最大的看点就是出现了史上最大乌龙——最佳影片颁错了。负责奥斯卡奖项的投票统计和结果保密普华永道会计事务所的资深合伙人Brian Cullinan将错误的信封交给了颁奖嘉宾Warren Beatty,当Warren看到“Emma Stone, La La Land”几个字时犹豫良久,后把信封交给了一同颁奖的Faye DunawayFaye只看见La La Land就很快地读出,没有意识到信封的内容是最佳女主角,而非最佳影片。而后La La Land的主创人员在几分钟的获奖感言之后,由制作人Jordan Horowitz突然发现问题,在台上澄清最佳影片其实应该是《月光男孩》。这样的失误实在低级地令人咋舌,不管身处高位还是位卑言轻,踏实做事用心待人才会立于不败之地。明年的奥斯卡大概会有人被炒掉吧(Someone is so fired)

 

英语写作经典范文:大公司VS小公司

I would prefer to work in a large company rather than a small one. A large company has more to offer in terms of advancement, training, and prestige.

 

In a large company, I can start at an entry-level position and work myself up to the top. I could start in the mailroom and, once I know the company, can apply for a managerial position. In a small company, there is not as much room to grow.

 

In a large company, there are a variety of jobs. I could work in sales, in marketing, in distribution, in shopping, or in any department I applied for. I could be trained in a variety of positions and would have valuable experience. In a small company, there would not be the same opportunity.

 

In a large company, there would be more prestige. I could brag to my friends that I worked for one of the biggest companies in the world. I would always have something to talk about when I met strangers. If I worked in a small company, I would always have to explain what the company did.

 

Working for a small company would not give me the same opportunities for advancement or on-the-job training as working for a larger company would. Nor would I be as proud to work for a small company---unless the small company was my own.

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