德意志银行网上银行

德国留学如何在德意志银行开户一、国内的德意志银行：北京分行地址：中国北京市朝阳区建国路81号华贸中心1号写字楼26层(100025)垂询电话：(010) 59698181 传真：(010) 59695710上海分行地址：上海浦东陆家嘴环路1233 号汇亚大厦31 楼(200120)垂询电话：自动(021)38962800 人工(021)38964824; 传真：(021)68591120广州分行地址：广州市天河路208号粤海天河城大厦22层02-03单元(510620)垂询电话：自动(020)85104000 人工(020) 85104019/85104029 ; 传真：(020)38107487工作时间：北京和上海分行周一至周五，上午9：30 –11：30 (公共假期除外);广州分行周一、三、五，上午9：30 –11：30 (公共假期除外)二、申请开户所需资料：1. 入学通知书原件及复印件(注意：在原件没有收到的情况下也可以提供PDF版本的通知书)2. 护照原件及复印件(注意：需复印有本人照片页及护照持有人签字页)3. 身份证原件及复印件(注意：需复印身份证正反面)4. 填好的开户申请表，在网上可以下载，右下方。

按照范例填写就可以了。

(带着填好的表格就可以直接在窗口办理了，很方便，要不得当场填写，浪费时间。

)注意：未满18 周岁申请开户者，申请开户时需父母双方陪同前来，需另外填写监护人表格。

同时需提供父母双方的身份证或护照的原件及复印件。

三、手续费：850 元( 去德国留学的时间不满一年或获得部分奖学金的开户手续费为1200元)1. 北京分行开户者需携带本人身份证原件至营业柜台购汇缴纳开户手续费。

(团体开户手续费缴纳事宜请另行联系德意志银行北京分行)。

2. 广州分行收款单位: 德意志银行(中国)有限公司广州分行账号: 44001580514053001010开户银行: 中国建设银行广州天河城支行开户银行地址：广州市天河路208号天河城广场首层103A3.上海分行开户者请将开户手续费交至营业柜台四、保证金汇款方式及存款证明取得程序：1. 在德意志银行递交申请表格并取得个人编号后，即可由本人或亲属将保证金从任何一家可办理境外汇款业务的银行电汇至德意志银行法兰克福总行的学生总账户中。

德意志银行简介德意志银行股份公司，是一家私人拥有的股份公司，是德国最大的银行和世界上最主要的金融机构之一，总部设在法兰克福。

其股份在德国所有交易所进行买卖，并在巴黎、维也纳、日内瓦、巴斯莱、阿姆斯特丹、伦敦、卢森堡、安特卫普和布鲁塞尔等地挂牌上市。

一、业务范围德意志银行是一家全能银行，在世界范围内从事商业银行、投资银行业务和保险业务，对象是个人、公司、政府和公共机构。

它与集团所属的德国国内和国际的公司及控股公司一起，提供一系列的现代金融服务，包括吸收存款、借款、公司金融、银团贷款、证券交易、外汇买卖和衍生金融工具。

德意志银行还开展结算业务，发行证券，处理信用证、保函、投标和履约保函并安排融资。

国际贸易融资也是该行的一项重要业务，经常单独或与其他银团及特殊金融机构联合提供中长期信贷。

项目融资、过境租赁和其他金融工具业务大大补充了传统的贸易融资。

在项目融资方面，德意志银行对通讯、交通、能源和基本设施项目的重视程度的日益增加，而且其证券发行业务十分发达，已成为当今世界最主要的证券发行行之一，参与了德国和世界市场上很多重要的债券和股票的发行，经常作为牵头行和共同牵头行。

二、业务条线德意志银行主要的业务条线包括公司银行与证券（Corporate Banking &Securities）、环球交易银行(Global Transaction Banking)财富管理（Deutsche Asset & Wealth Management）以及私人及工商企业客户业务（Private &Business Clients）。

公司银行与证券包括全球市场业务和公司金融业务，前者包括全球金融产品（债券、股票、金融衍生品、外汇、货币市场工具、证券化工具和大宗商品等）的销售、交易和结构化；后者包括兼并收购、债权和股权融资咨询和承销、区域及行业公司金融产品和服务的提供。

环球交易银行（GTB）提供全球支付结算、风险管理、贸易融资、信托、代理业务、存托管等业务。

严格保密德意志银行简介2010年3月2010年3月严格保密1.1 德意志银行的全球实力德意志银行概览⏹德意志银行是一家集商业银行和投资银行业务为一体的综合性银行。

⏹德意志银行以1,227亿美元的营业收入位居2008年世界500强的第26位。

⏹此次金融危机对世界经济影响重大，全球银行业重新洗牌。

德意志银行是在此次危机中没有接受政府救助的少数银行之一，并以其独特的经营模式和稳健的经营管理，运营状况持续改善。

2009年上半年净收入、净利润同比分别增加了50%、360%。

一级资本充足率达到了11.00%。

德意志银行是全球领先的提供全方位服务的综合性银行面向国内富裕私人客户和中小企业提供私人银行、工商企业金融服务和个人信贷产品为高端客户提供投资管理、税务咨询服务、继承策划和成立慈善基金等是全球最具规模的投资管理机构之一，为个人和 机构投资者及保险公司提供新的互惠基金、另类投资和环球保险方案从事股票、衍生产品、外汇、债券、直接投资、 结构化产品和证券化产品的设计、交易、销售和研究从事公司首次公开发行和后续融资的承销业务，及融资和并购的财务顾问服务德意志银行有能力为客户各方面需求提供有力支持客户需求 德意志银行提供的产品及服务德意志银行 –全球表现杰出《风险杂志》奖项 2009年1月❑ 年度最佳对冲基金衍生品银行❑年度最佳货币衍生品银行《环球》杰出奖项2008年3月❑全球最佳经纪业务银行《银行家》投资银行奖项2008年❑ 最具创新性承销商❑ 最富创新精神风险管理银行2009年12月❑年度最佳债券机构《欧洲货币》外汇交易排行榜2008年❑ 外汇交易服务提供商第1名❑ 年度最佳外汇机构❑年度最佳风险管理银行《全球金融》 2008年11月❑全球最佳外汇银行《国际证券化报告》2008年❑年度最佳国际证券银行《衍生品周刊》杰出奖项2008年10月❑ 全球最佳衍生品银行《欧洲货币》杰出奖项2006年❑最佳外汇服务银行《国际金融评论》年度回顾2008年12月❑年度最佳商品衍生品银行德意志银行在世界顶尖投行中风险控制实力超群近期的次贷危机导致全球金融业坏账注销与借贷损失总额达到1万亿美元得益于我们出色的风险管理系统，德意志银行在主要行业竞争对手中融资规模最小，且为唯一一家未接受政府或主权财富基金注资的投资银行这次危机突显了具有严格风险管理机制的银行与出现重大管理失误的银行之间的显著差别数据来源：各家机构定期报告，2009年4月德意志银行2009年前三季度业绩简报损失准备金(15.0)(2.0) 2.1非利息支出（亿欧元）(105.0)(94.0)15.9税前收入（亿欧元）31.0 4.013.0净利润（亿欧元）23.0 5.014.0稀释后每股盈余（欧元）35.310.121.0税前 RoE* 19.0% 3.0%17.0%6%7%8%9%10%11%12%Q107Q207Q307Q407Q108Q208Q308Q408Q109Q209Q309一级资本充足率2008H12009H15年期CDS息差（2010年2月1日）财务概要德意志银行资本充足率不断增加德意志银行坏账准备金不断充实，杠杆比率下降德银坏帐准备金不断充实（亿欧元）德银杠杆比率变化09/03/3109/06/3008/12/3109/09/30严格保密1.2 德意志银行在中国德意志银行在亚太地区及中国的分布新加坡香港班加罗尔加尔各答新德里曼谷首尔胡志明市拉合尔德意志银行在中国⏹作为一个全球性全能型银行，德银在不断积极寻找继续扩张的机会。

德意志银行在全球的分支机构分布在哪些国家？一、美国德意志银行在美国设有多个分支机构，为美国经济的发展和金融市场的稳定作出了重要贡献。

其中包括纽约、华盛顿、洛杉矶等主要城市的分支机构。

作为全球金融中心之一的纽约，德意志银行在该城市拥有雄厚的实力和广泛的业务网络，为客户提供全方位的金融服务。

华盛顿作为美国政治中心，德意志银行在该城市的分支机构致力于为政府机构和企业提供高效的金融支持。

而洛杉矶，则是美国娱乐产业的中心，德意志银行在该城市设立的分支机构为娱乐行业提供了专业的金融解决方案。

二、英国作为欧洲的金融中心，德意志银行自20世纪初就在英国设立了分支机构。

伦敦作为英国金融的中心城市，德意志银行在该地设有总部和多家分支机构。

德意志银行的业务覆盖了伦敦金融城的各个领域，包括投资银行业务、财富管理业务等。

同时，德意志银行在曼彻斯特和爱丁堡等英国其他城市也设有分支机构，为当地企业和个人提供全面的金融服务。

三、中国德意志银行在中国有着庞大的业务网络，涵盖了北京、上海、广州、香港等主要城市。

作为全球第二大经济体，中国对德意志银行来说具有重要的战略意义。

德意志银行在中国的分支机构积极参与债券发行、企业融资等业务，并且与中国银行、工商银行等本地银行合作，为中德企业之间的合作提供支持。

四、印度印度是一个拥有庞大人口和潜力巨大的新兴市场，德意志银行也在该国设有多个分支机构。

德意志银行在印度的业务主要集中在孟买、德里等主要城市，通过与当地企业和金融机构的合作，为印度的经济增长和金融市场的发展贡献力量。

同时，德意志银行也积极参与印度的金融改革和国际合作，为两国之间的交流与合作搭建桥梁。

五、巴西作为南美洲最大的经济体，巴西对德意志银行来说具有重要意义。

德意志银行在巴西设有多家分支机构，包括圣保罗、里约热内卢等主要城市。

德意志银行在巴西积极参与该国的投资银行业务、财富管理等领域，为巴西的金融市场发展提供了宝贵经验和资金支持。

总结：德意志银行在全球拥有广泛的分支机构，在美国、英国、中国、印度和巴西等国家设有多家分支机构，并为当地经济的发展和金融市场的稳定发挥着重要作用。

北京德意志银行开户全攻略（26/5/2011经验）准备：护照1 首页复印件1 最后签字那页复印件1身份证1 正反面复印件1zu 1 复印件1所有复印件要有你本人签字建议复印件提前复印好，因为德意志银行那里没有复印的，得跑到另一栋楼，而且2块钱复印一张好坑爹！850块钱rmb工作时间：周一到周五早上9——11:30地点：地铁大望路A口华贸大厦1座26层（有个n年前的攻略说是在国贸，那是坑爹的，早就搬华贸了！我早上就被坑到国贸去了一趟。

）尽管我8点过就起来，但是从北边跑到东边加上之前看的攻略有误在国贸耽误了一会，到德意志银行的时候都10点40了。

里面只有一个工作人员，四拨人在里面，我当时还担心我今儿排不到了。

但事实证明，只要准备工作做好，一切会顺利的第一拨人我去的时候她们已经办好了，于是我前面有三拨人当时的情况是一拨人貌似是哪个中介的代办，拿了n个人的材料和护照，剩下两个人都是私人来办的。

我特担心那个中介代办占用太多时间。

庆幸的是，他们三拨人各种不符合要求，所以只有我一个人最后办成啦。

可见事先做功课是多么重要！一般来说，德意志银行要求本人来办，因为如果开户签名和以后你的签名不一致非常麻烦。

所以相应的，你要是本人来不了，委托他人办也会非常麻烦，反正今儿排在我前面的两拨是死在代办上面的，另一拨是死在材料不足。

你本人+以上材料+850块钱（最好带一支自己的黑笔，那里的笔太恶心了，我拿了一下就满手墨）在工作时间到以上地点，跟窗口的mm说要开户，告诉她你要去哪个城市，然后她就会给你一套表，中文2张英文5张。

房间的后面有填表范例，不难请同学们要准备：长期有效的收件地址的英文写法！估摸着以后账单就邮寄这里啦填好以后加上你带来的所有材料交给mm，然后mm会给你一个开户的缴费单让你填，也有范例，填好以后拿着缴费单到1楼出大门口顺着左手走的德意志银行窗口缴费850元。

再拿着缴费凭证回到26楼，然后mm会给你一张单子，阅读第三大点，可以走了。

商业银行数字化的主要历程与未来展望一、商业银行数字化的起源与发展随着互联网技术的飞速发展和全球金融市场的日益一体化，商业银行在数字化转型方面面临着前所未有的机遇与挑战。

从20世纪90年代开始，商业银行逐渐认识到信息技术在提高业务效率、降低成本、拓展市场等方面的重要作用，开始积极探索数字化转型之路。

早期探索(1990s2000s):在这一阶段，商业银行主要关注于信息技术的应用，以提高业务处理速度和准确性为主。

通过引入电子化支付系统、自动柜员机(ATM)等设备，为客户提供便捷的金融服务。

部分银行还开始尝试将电子商务与传统银行业务相结合，如在线购物、网上银行等。

中期发展(2000s2010s):在这一阶段，随着移动互联网的普及和社交媒体的兴起，商业银行开始将数字化转型提升到战略层面。

通过推出移动银行、手机支付等创新产品，满足客户随时随地的金融需求；另一方面，加强与互联网企业的合作，开展跨界融合，如阿里巴巴、腾讯等公司的入股以及支付宝、微信支付等平台的推出。

现代数字化银行(2010s至今):进入21世纪以来，商业银行数字化转型进入了一个新的阶段。

大数据、云计算、人工智能等新兴技术的应用使得银行能够更加精准地识别客户需求，提供个性化服务；另一方面，金融科技公司的发展为商业银行带来了新的竞争压力，促使其加快创新步伐。

监管政策也在不断完善，以适应金融科技发展的新形势。

商业银行数字化的起源与发展是一个不断演进的过程，受到技术创新、市场需求、监管环境等多种因素的影响。

在未来的发展中，商业银行将继续深化数字化转型，以实现业务创新、风险控制和客户体验的全面提升。

1. 商业银行数字化的背景和意义随着信息技术的飞速发展和全球金融市场的日益一体化，商业银行面临着巨大的竞争压力和业务变革。

为了适应这一变革趋势，提高竞争力和盈利能力，商业银行纷纷开始进行数字化转型。

数字化已经成为商业银行发展的重要驱动力，对银行业的整体格局产生了深远的影响。

JRYJJournal of Finance and Economics金融与经济2018.08德意志银行百年兴衰对国内商业银行的启示作为全球重要的金融机构之一，1870年成立的德意志银行本身就是世界银行业发展的缩影，在曲折中表现出强大的生命力。

早期的德意志银行充分利用企业股份制度和德国对外扩张的机遇，不断发展壮大并成为世界级大银行，但两战期间却陷入低迷期。

二战后，1957年合并后的德意志银行致力于恢复国际业务，并通过产品、服务和技术创新逐步蜕变为举足轻重的国际大型银行。

2008年以来，德意志银行受累于次债危机，又陷于多种丑闻，正艰难度日，但以古鉴今，笔者相信德意志银行会安然度过危机，并获得新的生机。

本文研究发现，德意志银行在战略布局及执行力、多元化经营、科技运用、公司治理与风险控制等方面均有得意之作，对国内商业银行发展具有重要的借鉴意义；其合规管理之败笔也为国内银行敲响了警钟。

[关键词]德意志银行；发展战略；服务创新；风险管理[中图分类号]F830[文献标识码]A[文章编号]1006-169X （2018）08-0068-08DOI ：10.19622/36-1005/f.2018.08.011王应贵（1965-），四川江油人，澳门城市大学金融学院，博士，副教授，博士生导师，研究方向为金融市场与风险管理；胡妍斌（1974-），江苏太仓人，交通银行发展研究部，经济学博士，研究方向为宏观经济、商业银行经营管理。

（上海200336）■王应贵，胡妍斌J自1870年成立至今，德意志银行有着悠久的历史，始终是欧洲乃至全球最重要的金融机构之一，但2008年全球金融危机以后，德意志银行逐渐跌落神坛，目前正陷入深渊。

早期的德意志银行居经济社会中心，参与了国内外重大经济活动，其主营业务为银行，但经营活动涉及影响国计民生的新兴工业产业，形成了十分密切且颇具德国特色的银企关系。

二战结束后，德意志银行被拆分为十大区域银行，1957年重新合并后的德意志银行在发展国内市场的同时逐步恢复海外市场业务，并取得了显著成绩。

【导语】⾃2015年起，德意志银⾏为了加强客户的账户信息安全，开始引⼊使⽤PhotoTAN的⽅式验证⾝份进⾏⽀付。

相信不少⼈之前已经被德银密码纸（TAN-Block）上密密⿇⿇的100个密码搞晕了，现在新推出的这个PhotoTAN⼜是什么东西？今天，就专门写了⼀篇PhotoTAN的使⽤教程，⼿把⼿的教你如何激活并使⽤这个新功能。

⾸先我们先简单回顾⼀下在PhotoTAN投⼊使⽤之前，德意志银⾏上银⾏（OnlineBanking）提供的两种输⼊密码的⽅式： 第⼀种是我们之前提到的密码纸（TAN-Block），账户开通激活后银⾏会通过信件的⽅式将其寄到⽤户⼿中。

密码纸上有100个5位数的密码，并⽤序号从1-100标注好。

⽤户每次使⽤银在线转账时，填完转账信息后页⾯会在输⼊密码的地⽅随机给出⼀个序号，⽐如14号，然后⽤户需在⾃⼰的密码纸上查找14号对应的密码，⽐如29546，在汇款页⾯输⼊这个5位密码即可完成转账。

另⼀种是⼿机动态密码（MobilTAN），这个与国内常见的⼿机动态验证码⾮常类似，即每次付款时会向⽤户在银⾏预留的⼿机号上发送⼀个动态密码，在汇款页⾯输⼊改密码即可完成转账。

新增加的PhotoTAN验证⽅式其实是⼀种动态的⼆维码密码，原理和密码纸类似，只不过密码不再记录在纸上，⽽是编码进了⼆维码。

简单来说，每次进⾏转账操作时，页⾯会⾃动⽣成⼀个新的⼆维码，⽤户需在⼿机上预先安装PhotoTANAPP并使⽤该APP扫描⼆维码，扫描成功后⼿机上会解析出⼀个5位数的密码，然后在汇款页⾯输⼊该密码即可。

怎么样，是不是和国内的⼆维码扫描登录有点像？下⾯就⼿把⼿教你如何使⽤PhotoTAN！ 1 申请激活photoTAN功能 【如果您在德银点办理银⾏开户时已现场申请激活了该功能，则可以跳过本部分，直接阅读第⼆⼩节】 登录个⼈的德银上银⾏ 在顶部导航栏点击“Services”（服务） 点击左侧功能列表最下⽅的“Sicherheitsverfahren”进⼊安全设置，之后点击photoTAN对话框中的蓝⾊按钮申请激活该功能： 点击右下⾓红⾊按钮确认申请激活该功能： 继续点击右下⾓红⾊确认按钮，向银⾏申请给我们寄书⾯的确认激活信： 银⾏确认收到激活photoTAN的申请，会于之后⼏个⼯作⽇内寄送书⾯确认信⾄您在银⾏预留的地址。

瑞银（UBS）、摩根华鑫（MSHX）、德意志银行（DB）、花旗（Citi）等顶尖投行求职面试经验——BankerMentor PT项目学员分享学员背景公司：某商业银行总行部门：金融市场部毕业院校：TOP2硕士，CPA参加BankerMentor Professional Track，Mentor 为某Bulge Bracket IBD MD，目前已获得多家一线外资/合资投行FI/DCM offer为什么申请BankerMentor毕业到现在快四年，一直在总行金融市场部，有幸直接进入了业务处室，一级和二级都做过，也参与过一些衍生品的交易，同一批入职的，还有些分到了风险内控一类的中台。

在坏账率攀升和银行业转型的大背景下，金市/资管/投行等中间收入部门确实也越来越得到了各大银行的重视。

同时，作为市场上绝对的甲方，金融市场部也总是能够让员工感受到超大型金融机构的威严。

工作以来，对市场和资金环境的感觉磨炼得差不多了，但随着有些领导和同事的离开，我也在考虑是否继续留在商业银行工作。

首先是工作久了，希望换个环境，虽然金融市场部的流动性比普通部门要高不少，但是相对于券商或者基金，成长轨迹还是太平稳，我研究生同学里进券商研究部的已经有做到首席了。

日常工作中，各种签报、流程和协调的事情总是少不了的，耽搁了很多交易机会，尤其是自己亲自经手的，难免扼腕。

另外从团队构成上，不能说是人浮于事，但是团队还是有多寡不均、搭便车的情形。

最后，金融市场部虽然是利润中心，但比其他传统部门也差不太多，毕竟商业银行跟市场化机构还是有比较大的差距，尤其是跟外资投行相比。

虽然我没有什么财务压力，但是待遇毕竟是个人价值的衡量标准之一，看到一起学习和毕业的同学们年薪过百万，说内心毫无波动是假的。

但这份工作毕竟还是有着诸多令人不舍的优点，所以我在纠结下申请了BankerMentor，一方面希望能够锻炼外资投行的社招求职技能，另一个考虑是结识投行高管，跟Mentor具体谈谈未来的职业发展规划，以前辈的视角和经验来帮我分析。

Communication technologies are far from equivalent. A recent **paring honesty across a range of different media revealed that people were twice likely to tell lies when using the phone than **municating via e-mail. It had previously been assumed that people would be more inclined to fabricate the truth when using e-mail, due to the remoteness of the interaction making people **fortable about deceiving others. On the contrary, it seems that anxiety over the accountability afforded by the recording of e-mail exchanges induces greater truthfulness.However, the research also noted that people are much more likely to be rude or insulting over e-mail, outweighing any benefits of increased honesty!An implication of the study is that if telephone conversations are recorded and people are aware of this fact, they are likely to be more truthful over the phone. TPeople are unconcerned about the repercussion of e-mail untruths. FIt had been assumed that people **municate more honestly when using e-mail than when using the telephone. FThere is often considerable scientific disagreement both about available reserves of natural resources and about the extent of environmental damage caused by particular pollutants.Even where the scientific evidence is incontrovertible. There may be political conflict, based on different vested interests, over the degree to which particular environmental controls should be accepted. Governments may, for example, refrain from introducing effective control if they fear these will adversely **pany profitability or jobs, even where the environmental cost of not introducing controls are considerable.There is always scientific debate around the facts regarding the reserves of natural resources.TVery rarely is there conflict over the degree to which particular environmental controls should be accepted. FParties with a vested interest are more influenced by politics than science when deciding whether to implement environmental controls.C1.Whilst high visibility crime such as night-time drunken disturbance has increased, totalurban and rural crime, both reported and unreported, has fallen over the last two years, yet paradoxically people feel less safe, believing that the converse is the case. This fall in crime has coincided with a drop in the number of police officer on the street. A citizen’s fear of crime seems not to be a matter of reality at all- the visibility of law enforcement officials hasa greater impact on their view of reality than hard facts.Reducing the number of police officer has led to a reduction in crime. CCrime statistics support popular belief about the level of crime. FPeople feel safer when there are more police on the street. T2.There is no task more difficult than that of ensuring the education of children in modernsociety. Not only school, but also teachers and their roles have changed out of all recognitionin the past few decades, thanks to the impact on teaching institutions by indoctrinating, and indoctrinated, reformist intellectuals bearing revolutionary ideas. To the perpetual indiscipline of youth has now been added the indiscipline of parents, many of whom interpret any reports of wrongdoing in school on the part of their offspring as a personal affront, or as the manifestation of the malice of teachers. As for the teachers themselves, whilst many are respectable and learned men and women, who view it as their vocation to induct their charges into a civilization and a way of behaving, others attempt to influence youth merely to further their political or ideological ends.Some of those working in education have their own hidden agendas. TTeacher with revolutionary ideas will attempt to influence their pupils for their own political ends. C（some，不是所有人都这样）Some teachers who report children of wrongdoing do so because of malice, rather than nay legitimate reason. CLast week, ****mission outlined two packages to regulate the sale of extended product warranties, which provide repair/replacement for faulty goods beyond the manufacturer’s original guarantee. Whilst warranty sales are currently highly profitable, with some retailers attributing up to ¾ of their profits to this income stream, they are also criticized for offering poor value for money due to obscure clauses, which restrict payment in many, but the most unlikely claim scenarios. The first package-to ban retailers selling a full warranty on the day of purchase was condemned by all as draconian-whilst the other, rather milder, option of forcing retailers to provide full information on warranty exclusions and an obligatory 60–day “cool-off” period for customers, received a more ba lanced hearing.Because no one believes that the first option will ever be implemented, investors and analysts have focused more closely on the implication of the “milder” package. In a recent leaked research note, one analyst suggested that the implementation of the reform in the second package would place a staff-training burden on the retailer, which would lead to a significant increase in the cost of warranty sales, and a predicted 20% fall in actual sales.“Cool-off” periods are not currently offered by companies selling product warranties. TIt is likely that neither package will be implemented. CPreventing retailers from selling warranties on the day of purchase of a product was felt to be too severe a restriction. TAll scientific knowledge is provisional. Everything that science knows, even the most mundane facts and long-established theories, is subject to re-examination as new **es in. the latest data and ideas are scrutinized the most. Some recantations will be unavoidable, but this is not a weakness of science, but rather its strength. No endeavor rivals science in its incremental progress towards a **plete understanding of the observable universe.Science improves understanding on the basis of leaving unchallenged those theories that appear to work. FSome facts in science cannot be challenged if any progress is to be made. FThat which is not observable cannot be part of the domain of science. C3.The Statute on workplace safety requires that an employer should ensure, so far as isreasonably practicable, the health, safety and welfare at work of all full and part time employees, and also those not in direct employment who may be affected by acts or omissions at work. However, it is also the duty of employees to take reasonable care for their own health and safety and also that of other persons who may be affected by their acts or omissions at work, for example by complying with all notices on health and safety that are posted.If a workplace visitor is hurt due to an act of negligence by an employee then the employee may be held solely responsible. 叶认为是F，因为明确指出了employer也要负责An employer has responsibility for the safety of visitors to his factory. TEmployees have negligible responsibility for workplace health and safety. F4.Today’s historians aim to construct a record of human activities and to use this record toachieve a more profound understanding of humanity. This conception of their task is quite recent, dating from the development from 18th and early 19th centuries of scientific history, and cultivated largely by professional historians who adopted the assumption that the study of natural, inevitable human activity. Before the late 18th century, history was taught in virtually no schools, and it did not attempt to provide an interpretation of human life as a whole. This is more appropriately the function of religion, of philosophy, or even perhaps of poetry.That which constitutes the study of history has changed over time. TProfessional historians did not exist before 18th century. CIn the 17th century, history would not have been thought of as a way of understanding humanity. TWhilst having similar effects on employees, there tend to be major difference between a merger and an acquisition. In an acquisition, power is substantially assumed by the new **pany. Change is often swift and brutal as the acquirer imposes its own control systems and financial restraints. Parties to a merger are likely to be evenly matched in terms of size, and the power and cultural dynamics of **bination are more ambiguous, integration is a more drawn out process.During an acquisition, there is often more overt conflict and resistance and a sense of powerlessness. In mergers, because of the prolonged period between the initial announcement and full integration, uncertainty and anxiety continue for a much longer time as the organization remains in a state of limbo.There tends to be a major power difference between parties in an acquisition. TMergers and acquisition tend to have distinctly different impacts on employees. FMergers yield a shorter period of anxiety and uncertainty amongst employees. F5.Management is, in effect, the catalyst that is essential for converting the resources and rawmaterial inputs of the operation into valued outputs and, in the process, ensuring that stakeholder needs are satisfied. Managers represent the critical factor, which economists refer to as “enterprise”, without which the other factors (land, labor and capital) cannot function. Managers are effectively the custodians of the organization’s resource, responsible for deciding what the resources should be used for, how best to use them, and to which customers the outputs should be targeted.Stakeholder needs are best served through the creation of valued outputs. CManagement has at least two major but different responsibilities. T（创造价值&监管）Managers must decide how best to handle all the resources at their disposal.T6.There is no doubt that vegetarian food can be healthier than a traditional diet –indeed,research has demonstrated that vegetarians are less likely to suffer from heart disease and obesity than those who eat meat. One long-standing concern about a vegetarian lifestyle is the risk of failing to take in enough protein. However, historical calculations as to the amount of protein needed for a healthy lifestyle have recently been shown to overestimate the quantities needed, and if vegetarian select their food carefully they should be able to meet their protein needs.A balanced diet is more likely to promote health than any particular food or food group inisolation. CToo much protein in the diet can lead to heart disease. COver time the recommendations as to what constitutes a healthy balanced diet have changed.AWater, the **mon liquid used for cleaning, has a property called surface tension. Molecules in the body of the water are surrounded by other molecules, but a t the surface a “tension” is created as molecules are only surrounded by other molecules on the waterside. This tension inhibits the cleaning process, as it slows the wetting of surface due to tension causing the water to bead up. This is where water droplets hold their shape and do not spread. For effective cleaning to take place “surface tension” must be reduced so that water can spread.Surface-active agents, or surfactants, are chemicals, which are able to do this effectively.Surface-active agents, or surfactants, are only used for cleaning. CWater is the only known liquid used for cleaning. FF啊那必须的，肯定有别的liquid可以用来洗的啊，否则没个比较还说**mon个毛线啊If surfactant chemicals are added to water when cleaning a surface, surface tensionwill occur. FThe molecules on the waterside hinder the cleaning process. F叶觉得是F，水分子没有错，错的是表面张力The biggest risk facing the world’s **panies is possibly the rapid change now taking place within their own ranks. Sluggish growth in core markets and intense **petition, coupled withshifting patterns of customer demand and the rising cost of losses, are threatening to overwhelm those too slow to react.**panies are experiencing a boom in their core markets. F，必须的**panies **peting to provide best prices to customers. T**panies are coping well with increased **petition and rising losses. FShort-sightedness is to a large extent inherited, its incidence varies from one family to another. The reason behind the link between **mon incidence of short-sightedness and high intelligence is unclear. Previous generations thought that eyes could become strained by years spent poring over books, but a few decades ago the popular medical view was that short-sighted people gravitated towards the library because they found it hard to excel at sports. Recently there has been partial support for a theory that high intelligence and short-sightedness may, in fact, be part of a genetic package.The genetic link between intelligence and short-sightedness has recently been disproven. F People from all families stand at an equal chance of being short-sighted. FIntelligence is to a large extent inherited. C7.The cosmic microwave background (CMB) radiation is the afterglow from the Big Bang, andweak as it may be today, these primeval microwaves hold valuable information about fundamental properties of the early universe. Slight differences, or anisotropies, in the brightness and polarization of the CMB reveal clues about the nature of the primeval plasma: that the discrepancies exist at all shows that the plasma was not perfectly uniform. The variations in the brightness seen in the CMB reflect differences in the density of the primordial plasma, whereas the anisotropic polarization reveals information about the dynamics of the early universe, such as the movement of material and the number of gravitational waves. The CMB, however, is not the only source of polarized microwaves and the cosmological polarization must thus be measured at different wavelengths so as to isolate them from foreground signals.The anisotropies of the CMB show solely that the primordial plasma was not uniform. FThe polarization of cosmic microwaves is measured at different wavelength so as to separate the foreground from the background signals. TThrough studying the cosmological microwaves, one may learn about the forces of gravity in the early universe. TInternet experts are warning of a new multitude of extremely **puter viruses that have recently been causing devastation and could potentially cripple entire **puter systems.These viruses can replicate thousands of copies within hours and are capable of extirpating security software that, in turn, enables hackers to appropriate control of the machines.Criminal gangs can then establish bank accounts using stolen identities, sabotage a company’s computer system and extort money for its restoration, and **puters that havebeen interfered with on the black market. Computer users are often advised to refrain from opening suspicious program attached to the emails and to continually update their security software.Internet experts are **puter users to replace their software if they suspect it has been tampered with. C8.For most people, any reference to hypnosis brings to mind images of individuals involved inamusing, and often out of character, behavior. However, hypnosis is also a topic of scientific research. Research by scientists over the last few decades has revealed ways in which memory processes, and processes involved in pain perception can be changed using hypnosis. It has also been found that hypnotic suggestions can regulate activity in identifiable sections of the brain and can contribute to the effective management of cognitive conflict.Findings from several related brain imaging studies, for example, have suggested that people under hypnosis cab exhibit reduced level of brain activity in both visual area and the anterior cingulate cortex. Disparate research has already established the role of these brain structures in the monitoring the cognitive conflict.Workers are becoming increasingly concerned **pany relocation due to its association with employee distress and isolation, which can be caused by issues such as the management of property transitions and loss of community ties. Furthermore, moving home can put a strain on worker’s financial resources and close relationships, especially for those working parents who may feel guilty about moving children to new schools. Regardless of the disruption created, some individuals are very willing to relocate, due to the potential for enhanced career prospects and long-term financial stability.Some people may feel guilty about the consequences of relocating. TCompany relocation has increased. CThe potential benefits of job relocation are seen, by some, to be worth the associated distress and strain. TPolitical, economic and demographic developments **bining to increase the wealth of individuals leading economies. These individuals take a much more active role in managing their personal financial affairs and in determining how their assets should be invested for their long-term benefit. As a result, we are seeing the emergence of a new market, consisting of so-called “affluent individuals”. This structural trend is set to continue and will provide significant opportunities for financial services providers. This band of individuals has traditionally been dominated by old money inheritance, and this will remain a factor, but the rise of new affluent money is increasing as individuals benefit from higher salaries **pensation in the form of stock options. These new affluent individuals are also creating wealth as small business entrepreneurs.Affluent individuals want to manage their own assets rather than use financial service providers. CIndividuals cannot become “affluent” through inheriting old money. FInherited old money will be completely replaced by new affluent money. F应该是F，因为文中说this will remain a factorAt the moment of GTC, like other European producers, is able to relieve at least some of its over-capacity by exporting, partly to Central America. A decade from now, that region will be largely self-sufficient and trade will be starting to flow the other way. However, for GTC investors, **pany’s recent restructure could herald better times. The group’s lack of focus and lack-lustre returns have been much criticized of late.Central America will, in the future, begin to export less to Europe. FCentral American producers will find a ready market for their products in Europe. C Restructuring generally produces an increase in profitability. CThe increasing fragility of the rural economy will be the biggest challenge facing **munities over the next ten years. Agriculture, which accounts for a quarter of rural job, is in decline. Tourism provides no more than half this number of job. The rural manufacturing sector, however, has grown over last ten years. Despite this, it still employs fewer than one in twenty people living in rural area, and is threatened by companies based in industrial areas, which benefit from access to a larger skilled workforce and better transportation networks.Industries based in rural areas benefit from better transport links. AManufacturing provides the fewest jobs in the countryside. CThe manufacturing sector is likely to be the main source of employment for rural workers in the future. CIndustries based in rural areas suffer from poorer transport links. CIn recent years, many issues have been considered when attempting to ameliorate the wellbeing of patients and the efficiency of hospital administration. Patients have **plained about endless waiting lists, low standards of cleanliness, poor hospital food, and unsatisfactory doctor-**munication and now, according to an expert from a leading image consultancy, doctors’ dress codes and their general appearance **e under close scrutiny. Of healthcare professionals have an unwashed appearance, dirty nails or unkempt hair, this exudes the impression of recklessness, wearing red reminds patients of blood, and power dressing is discouraged because patients may feel undermined and less relaxed. Although campaign groups approve of healthcare professionals leading by example with high standards of hygiene in hospitals, some individuals argue that this potential new image legislation is merely a case of jumping on the bandwagon of the current media trend for home and lifestyle makeovers.Individuals have argued that the current media trend for lifestyle makeover is direct result of the concern over the image of new legislations. FNew hospital legislation states that healthcare professionals must have clean fingernails. TIt is always preferable for healthcare professionals to wear blue instead of red. C9.One of the great paradoxes of entrepreneurship is that entrepreneurs must develop thecapacity to engage the urgent with the emergent. Routine pressures force us to allow the urgent to dominate us, quarterly reports, market share, and tangible return on investment become paramount in this paradox, emergent (strategic) issues are often lost.The urgent presents itself in tangible shape and form, whereas the emergent is subtler in its appearance. Entrepreneurs need to pre-sense emergent reality, thus they require more than ordinary attentiveness. However, information consumes the attention of the recipient, and urgent information is by nature more demanding of attention than emergent. Yet it is an awareness of the emergent that frequently distinguishes the successful leader, the individual who can see through the reactive demands of day-to-day urgency to act rapidly upon the emergent trends that, if capitalized upon, can **mercial triumph. One way of ensuring time to identify the emergent is to make time for reflective moments in work life in order to restore the quality of attentiveness and see through the fog of the immediate.It is easier to spot an emergent trend than an urgent issue. FThe present tends to be governed by the immediate demands. TIt is easy to lose sight of the strategic issues given the demands that immediate issues make.T10.Some doctors claim that any information received from a patient during a medicalconsultation is subject ethically to absolute confidentiality and can in no circumstance be revealed without the patient’s permission. Without such a rule, they believe that patients would not supply all of the information needed to treat them. Most however, believe that their obligations to society override their obligations to their patients; for example, being prepared to report to the police a patient who persisted in driving, despite the existence of a condition that rendered them unsafe. One reason for such a conflict is that whilst courts recognize the confidentiality of exchange between lawyers and clients, this is not extended to doctor and patients.A doctor would report to the police a patient who was a danger to others. CPatients rarely give permission for a doctor to discuss their medical details with others. CDoctors are in agreement about the ethics and practice of patient confidentiality. FPrivate **panies have always been determined to operate a transport system that is safe for passengers, whilst still **petitively priced **mercially viable. However, a private sector business can only remain viable if it generates profits for its shareholders. Recent reports suggest that if all aircrafts were fitted with military derived ground-to-air missile defense system, and at all airports there was infallible screening for weapons and explosives then the system would be much safer. However, totally effective screening would preclude all possibility of profit, and current systems are still very thorough, whilst also providing a good cost-benefit ratio.Military aircraft are safer **mercial craft. T(叶觉得应该是T，的确更安全）More effective airline security systems than are currently in use are available. T Current airline security systems provide the best possible mix of cost against benefit. CFull employment is a concept, which is often referred to but seldom defined. Beveridge’s **es close to what most economists understand by the term. In his view full employment means that “unempl oyment is reduced to short intervals of standing by, with the certainty that very soon one will be wanted in one’s old job again or will be wanted in a new job that is within one’s powers.” In other words, full employment does not mean zero unemployment, b ut allows for some measure of acceptable unemployment, for example, “frictional”unemployment whilst changing jobs.Definitions of full employment are abundant. FSome economists do not understand full employment in Beveridge’s terms. CIn B’s view,full employment incorporates those unemployed people who are certain to regain work very shortly. TThe typical share-save scheme is a regular savings plan that gives employees the opportunity to purchase shares in 3.5 or 7 years time, should they choose to exercise the purchase option, at a discounted price fixed before the saving period starts. In addition to potential financial gains, the employee also has the opportunity to participate in **pany development through the acquisition of shares. The employee does not have to pay income tax on any gains made on the exercise of the option to buy shares, though there may be a liability to capital gains tax if the shares are sold and the resulting gains cause that particular employee’s level of capital gains liability to exceed the annual exempt amount.Employees usually exercise the option to sell their shares at the end of the saving period. CEmployees do not automatically have to pay Capital Gains Tax as a consequence of participating in share-save scheme. T FIndividuals who sell shares generate no potential tax liability. F11.Staff monitoring is a particularly issue for managers – the only kind of staff monitoring notsubject to regulation is where one individual watches another. Once any recording starts, even if it is manual, monitoring is subject to the Data Protection Act – employees need to be told about monitoring takes place and why. The information gathered has to be kept secure, and affected staffs have the right to see information related to them. Whilst a person’s consent is not required, he or she must be consulted about the processing of personal information (monitoring data is construed as “personal”), and monitoring practices must not cause unnecessary stress. However, covert monitoring without consultation may be used, but only in particularly serious circumstances, such as when a staff member is suspected of dishonest. In such a case, the covert surveillance (e.g. hidden cameras) must be in targetedareas and at times when the dishonest behavior is expected- any other information must be disregarded.It is not possible to avoid the Data Protection Act when monitoring staff. FManagers find it difficult to justify the use of covert monitoring procedures. CAny employee in a building where monitoring is taking place may see all of the information collected. F只能看related to them的部分Without exception, living non-human primates habitually more around on all fours, or quadrupedally, when they are on the ground. Scientists generally assume therefore that the **mon ancestor of humans and chimpanzees (our closest living relative) was also a quadrupted. Exactly when the **mon ancestor lived is unknown, but clear indications of bipedalism, the trait that distinguishes ancient humans from other apes, are evident in the oldest known species of Australopithecus, which lived in Africa roughly four millions years ago.Bipedal apes are more evolutionarily advantaged than quadrupedal ones. C/Bipedalism is the main trait that distinguishes ancient humans from Australopithecus. F Australopithecus is as closely related to ancient man as to the chimpanzee. FA **puter program can tell whether a book was written by a man or a woman. The simple scan of key words and syntax is about 80% accurate on both fiction and non-fiction. The program’s success seems to confirm the stereotypical perception of differences in male and female language use. Crudely put, men talk more about objects and women more about relationships.Female writers use more pronouns (I, you, she, myself), whilst males prefer wordsthat identify or determine nouns (a, the, that) and words that quantify them (one, two, more). These differing styles have previously been called “involved” and“informational”, respectively.The algorithm within the program was initially trained on a few test cases to identify the most prevalent fingerprints of gender and of fiction and non-fiction. The algorithm can now be focused on new bodies of text. Strikingly, the distinctions between male and female writers are much the same as those that, even more clearly, differentiate non fiction-and fiction. The program can tell these two genres apart with 98% accuracy.Stereotypes are generally based on fact. CWomen are more likely than men to adopt an “informational” style of **munication. F The program is more accurate at identifying the gender of the writer then the fiction or non-fiction content of the passage. FSandford Group’s first end of year announcement since the takeover of SPX Inc placed m uch emphasis on the period of extreme transformation and development undergone by **pany. Emphasis was placed on the admirable way that its employees had steered **pany through a。

德意志银行德意志银行股份公司是德国最大的银行和世界上最主要的金融机构之一，总部设在美因河畔简介德意志银行（Deutsche Bank）全称德意志银行股份公司，是一家私人拥有的股份公司，是德国最大的银行和世界上最主要的金融机构之一，总部设在美因河畔的法兰克福。

其股份在德国所有交易所进行买卖，并在各地挂牌上市。

德意志银行集团总人数74000人，为约800万名顾客提供服务，包括世界各国的个人、企业、政府机构、银行和公共机关等。

德意志银行拥有资产超过9960亿马克，约为人民币42000多亿元。

历史背景德意志银行1870年成立于德国柏林，不久便在不莱梅和汉堡建立分行；往后各年，其分行相继在上海、横滨、伦敦成立。

1876年，德意志银行收购德意志联合银行和柏林银行协会，成为德国最大的银行。

从一建立，德意志银行便从事世界大型项目的融资，在德国及海外工业化的融资方面起着重要作用。

被公认为世界上首要的金融机构之一。

德意志银行保持着庞大的遍布全球的分支和附属机构网络，截至1996年6月30日，它在德国设有1662个分支机构，海外设有780个。

在各国都设有分支机构或附属机构。

特别是1995年，德意志银行获得了重大发展：创建了一种新型银行（24银行）；德意志银行股票面值变为5马克，发起了德意志银行在美股票的“美国一级预托证券计划”；收购圣路易斯ITT商业金融公司（密苏里），与德意志信贷公司合并，组建了德意志金融服务公司。

此外，还组建了一家从事投资银行业务的公司--德意志摩根建富；收购金融和期货有限公司--意大利第五大资金管理公司；建立开展私人银行业务的德意志银行纽约信托公司。

业务范围德意志银行是一家全能银行，在世界范围内从事商业银行的投资银行业务，对象是个人、公司、政府和公共机构。

它与集团所属的德国国内和国际的公司及控股公司一起，提供一系列的现代金融服务，包括吸收存款、借款、公司金融、银团贷款、证券交易、外汇买卖和衍生金融工具。

“德意志银行十分钟的悲剧”等两则作者：来源：《中外管理》2009年第05期德意志银行十分钟的悲剧不要让流程吞噬责任哲理的故事2008年9月15日上午10∶00，拥有158年历史的美国第四大投资银行——雷曼兄弟公司向法院申请破产保护，消息转瞬间通过电视、广播和网络传遍地球的各个角落。

令人匪夷所思的是，在如此明朗的情况下，德国国家发展银行在当天的10∶10，居然按照外汇掉期协议的交易，通过计算机自动付款系统，向雷曼即将冻结的银行账户转入了3亿欧元。

毫无疑问，3亿欧元将是肉包子打狗有去无回。

转账风波曝光后，德国社会各界大为震惊，舆论哗然。

因为此前一天，有关雷曼破产的消息已经满天飞，德国国家发展银行应该知道交易的巨大风险，并事先做好防范措施才对。

人们不禁要问，短短10分钟里，德国国家发展银行内部到底发生了什么事情，从而导致如此愚蠢的低级错误？一家法律事务所受财政部的委托，带着这个问题进驻银行进行全面调查。

法律事务所的调查员先后询问了银行各个部门的数十名职员，几天后，他们向国会和财政部递交了一份调查报告，调查报告并不复杂深奥，只是一一记载了被询问人员在这10分钟内忙了些什么。

首席执行官乌尔里奇•施罗德：我知道今天要按照协议预先的约定转账，至于是否撤销这笔巨额交易，应该让董事会开会讨论决定。

董事长保卢斯：我们还没有得到风险评估报告，无法及时做出正确的决策。

董事会秘书史里芬：我打电话给国际业务部催要风险评估报告，可那里总是占线，我想还是隔一会儿再打吧。

国际业务部经理克鲁克：星期五晚上准备带上全家人去听音乐会，我得提前打电话预订门票。

国际业务部副经理伊梅尔曼：忙于其他事情，没有时间去关心雷曼的消息。

负责处理与雷曼业务的高级经理希特霍芬：我让文员上网浏览新闻，一旦有雷曼的消息就立即报告，现在我要去休息室喝杯咖啡了。

文员施特鲁克：10∶03，我在网上看到了雷曼向法院申请破产保护的新闻，马上就跑到希特霍芬的办公室，可是他不在，我就写了张便条放在办公桌上，他回来后会看到的。

德意志银行的德意志银行的““战略调整战略调整””及启示及启示2015年12月29日近期近期，，欧元区资产最大的全能银行德意志银行宣布第三财季将出现62亿2欧元亏损欧元亏损。

此前，该行已出台未来5年(2020)(2020)战略调整计划战略调整计划战略调整计划。

德银转变发展战略具有必然性德银转变发展战略具有必然性，，主要是迫于监管和业绩这两方面压力于监管和业绩这两方面压力。

德银此类具有西方代表性的全球系统重要性银行调整经营策略、精简实体银行的行为精简实体银行的行为，，应引起我国银行业界关注应引起我国银行业界关注。

10月7日，欧元区资产最大的全能银行德意志银行(后称“德银”)意外宣布该行三季度财报预计报亏62亿欧元，且将考虑减少甚至取消2015财年普通股的分红。

德银大幅减记是亏损的主要原因。

监管对资本的更高要求、处置零售业务分支邮政银行、小幅减记所持华夏银行股权、12亿欧元法律诉讼等因素均促成德银大幅减记。

事实上，德银早已意识到自身不佳状况，今年4月已出台未来五年(2020)战略调整计划(后称“战略调整”)，拟通过大规模转型来求得生存。

此计划内容包括剥离旗下邮政银行以缩减零售业务、精简投行业务、调整全球市场布局以及增强交易银行及数字化银行业务等。

该计划虽属较大动作，但较市场此前“全面放弃零售业务、转为批发银行”的预期仍略显保守，再加上此次预期预报巨亏和新行长克莱恩今年7月的上任，预计下一阶段将出台更大力度的改革举措。

根据我们的分析，德银转变发展战略具有必然性，主要是迫于监管和业绩要求这两方面压力。

近年德银等此类具有西方代表性的全球系统重要性银行调整经营策略、精简实体银行的行为，反映了欧美银行业去杠杆化进程仍在深化、夯实资本的需要不断提高，银行业的“冬天”尚未过去。

随着国际间资本流动对我国影响加深，这一形势应引起我银行业界密切关注。

全能型银行的扩张之路全能型银行的扩张之路 德意志银行于1870年在柏林成立，是欧元区及德国资产规模最大的商业银行，也是全球系统重要性银行之一。