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BankingCase studyCase Study: Lender OverviewTop 25 US Commercial Bank$3.5B+ in revenues 50$B in assets100+ year old financial service institution focused on superior customer service High growth during the past 4 years through acquisition & organic expansion3M+ customers in 19 states 10,000+ employeesILOG Copyright © 2008 - All Rights Reserved2Success at Top 25 US Commercial BankCommercial Loan Origination SituationManual intensive & paper based processDuplication of labor, loss of information…Long application processing time Exposure to processing errors due to misinterpretation of credit policies & standardsILOG Copyright © 2008 - All Rights Reserved3Day to Day Challenges Included…Lack of audit trail & centralized status management on the transportation of paper based documentsHas it been lost? Whose desk is it on?Discrepancies of policy enforcement – especially with newly integrated branchesNon-homogeneous data entry Underwriting policies & compliance guidelines open to interpretationToo many bottlenecks leading to lengthy processing timeDays spent to transport documents, resolve routing issues… Form have to be re-input in computer systems manuallyToo late & labor intensive complianceCompliance & SOX only done at closing time Limited & overwhelmed resourcesILOG Copyright © 2008 - All Rights Reserved4Success at Top 25 US Commercial BankCommercial Loan Origination Situation Goals SolutionManual intensive & paper based processDuplication of labor, loss of information…Long application processing time Exposure to processing errors due to misinterpretation of credit policies & standards Enable smarter & more efficient loan origination Lower processing cost & turn around time Improve customer service & employee satisfaction Reduce errors & ensure compliance to policy and regulation ILOG BRMS to handle core business logic across a number of functional areas including:• Credit approval authorization, overrides, prioritization, data validation & complianceIBM BPM to model & manage underwriting workflow automation IBM ECM to capture & manage loan documentsILOG Copyright © 2008 - All Rights Reserved5Solution ImplementationKey ingredients: actors & skillsBank: IT AND Business stakeholders SI: SMEs for business & technology, business analysts, project & change management experts ILOG & IBM: SMEs on their respective technology platformSI drivenWorked closely with the bank to design a solution that closely addressed all key business requirements Was involved from A to Z: e.g. in requirement, vendor selection, planning, implementation…IterativeParallel tracks – data, process, rules & infrastructure From Proof of Concept to pilots to final application A few days to initially develop very simple rule applications 3-4 weeks to implement a fully functioning rules application to handle decision requests coming from IBM & other systemsILOG Copyright © 2008 - All Rights Reserved6Success at Top 25 US Commercial BankCommercial Loan Origination Situation Goals Solution BenefitsManual intensive & paper based processDuplication of labor, loss of information…Long application processing time Exposure to processing errors due to misinterpretation of credit policies & standards Enable smarter & more efficient loan origination Lower processing cost & turn around time Improve customer service & employee satisfaction Reduce errors & ensure compliance to policy and regulation ILOG BRMS to handle core business logic across a number of functional areas including:• Credit approval authorization, overrides, prioritization, data validation & complianceIBM BPM to model & manage underwriting workflow automation IBM ECM to capture & manage loan documents Reduced loan approval time from 15 days to one (93%) Boosted customer satisfaction with faster answers Cut costs & increased staff productivity - more automation, more focus, less paper… Greatly enhanced regulatory compliance & auditability – savings in 100’s of man daysILOG Copyright © 2008 - All Rights Reserved7Additional BenefitsSavingsAdditional productivity savings through workflow enhancements Less paper, copier & storage needs Reduced training time for new staffCompetitive advantageFast & accurate answers within 1 business day Speedy product & process updates Support for product line increase without complexityHigher employee satisfactionImproved collaboration Shift from transaction to strategic focus Less time spent on conflict & issue resolutionSuccessfully established a blue print foundation for paperless & automated processing for the whole bankILOG Copyright © 2008 - All Rights Reserved8Some Lessons LearnedFocus on business goal rather than automation for the sake of IT infrastructure enhancements Think big, start small, build incrementallyLOB focused project as pilot Enterprise shared services & platform as goalDo not shortcut requirement gathering & formalizationInvolve IT & business stakeholders - have them work together Involve end users from Day 1 - ask them what they want & don’t want from the systemDo not think “process first” or “rules first”Avoid major rework Get increased flexibility to accommodate changing requirementsILOG Copyright © 2008 - All Rights Reserved9Current Status & Lender’s Next StepsCurrent statusSystem is live & fully deployed1000s users across 700 branches & 19 statesNow that commercial lending content, process & rules have been captured into one place, the bank is well positioned for the futureas experienced workers leave, retire, transfer to new jobs as new products are rolled out as upcoming M&A is planned…Next stepsExtension - Commercial BankingAutomated scoring & credit analysis Automated relationship analysis Up-sell/cross-sellExpansion - Personal Banking, Small Business BankingILOG Copyright © 2008 - All Rights Reserved10ILOG - Financial Services LeadershipKnow-how & track recordCustomers include 8 of the top 10 Fortune 500 Commercial Banks 5 of the top 6 Fortune 500 Diversified Financials 6 of the top 10 US Mortgage OriginatorsGlobal experience Award-winning, standard-based technologyFirst & only MISMO-certified BRMSMortgage Technology Top 50ILOG Copyright © 2008 - All Rights Reserved11Zurich insuranceCase studyAbout Zurich North AmericaZurich is a member of Zurich Financial Services Headquartered in Zurich, Switzerland Offices in approximately 60 countries and employs over 70,000 people. Zurich North America is a leading commercial propertycasualty insurance provider serving the multinational, middle market and small business sectors in the United States and Canada.ILOG Copyright © 2008 - All Rights Reserved13The ActII ProjectThe ACT II project is a strategic Claims initiative at Zurich NAOver 18 months from beginning to end Limited production in July 2003, full production January 2004The project will provide substantial hard dollar ROI to the firmMuch of the value generated by the project involves Business RulesWill provide the technology framework for the entire core claim processing functionILOG Copyright © 2008 - All Rights Reserved14The Role of Rules ILOG JRules is core to three key areas of the project:Claim Assignment Best Practice and Regulatory Compliance Monitoring Security and HIPPA / Safe Harbor ComplianceILOG Copyright © 2008 - All Rights Reserved15Claim AssignmentDetermines where to route a claim to:One of approximately 5 high volume low complexity claim handling offices One of approximately 20 senior claim handling offices One group that manually determines what to do with unusual claimsEliminates the time lag between when a claim comes into the firm and when someone begins to work the claim Enforces regulatory guidelines about restrictions upon locations where a claim can be adjusted Implements customer specified preferences for claim handlingILOG Copyright © 2008 - All Rights Reserved16Best Practice and Regulatory Compliance MonitoringCreates Tasks and Notifications for Claim Handlers, Recovery Specialists and Other individuals involved in handling a claim Uses Rules to:Determine when Best Practice tasks are called for and creates them as needed Determine regulatory reporting issues and monitor that they are being complied with Notifies appropriate parties as claim events arise that call for enlisting other parties than the claim handler (e.g. recovery specialists)ILOG Copyright © 2008 - All Rights Reserved17Security and HIPPA / Safe Harbor ComplianceDetermine screen, action and field level rights Distinguishes what customers can see as opposed to internal users Limits what screens users can see based upon rights and profile information Masks fields that are restricted by law for non-need to know individuals based upon federal and state lawsILOG Copyright © 2008 - All Rights Reserved18ArchitectureProducts used as framework:IBM WebSphere on z/OS (Mainframe) IBM WebSphere MQ Integrator Messaging Hub (AIX) IBM WebSphere MQ Message Transport (z/OS and AIX) IBM DB2 on z/OS ILOG JRules on z/OS IBM Tivoli Access Manager Enterprise (AIX/NT)ILOG Copyright © 2008 - All Rights Reserved19Organizational IssuesOpportunitiesMaximizing return requires moving business rules development to the owners of the rules: business analystsReduces the time between formulating what to do from a business standpoint and implementing it Eliminates the lack of confidence that what the business specified is exactly what was built thus speeding change Builds confidence allowing the business to automate more complex higher ROI problems Removes work from expensive IT resources that don’t understand and aren’t interested in maintaining business rules20ILOG Copyright © 2008 - All Rights ReservedBusiness benefits of using a BRMSDirect Business ROIRapid response to changing legislationReduces compliance related chargesRapid response to changing customer needIncreases customer satisfaction / retentionBetter compliance to best practicesReduced leakageHigher recoveryIndirect Business ROIElimination of IT translation layerReduced time to deploy rules due to less IT dependencyBusiness control of testing of rules reduces the “fear factor”21ILOG Copyright ©2008 -All Rights Reserved。

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最新国际清算银行

最新国际清算银行

国际清算银行国际清算银行国际清算银行(Bank for International Settlement，BIS)国际清算银行官方网页 【国际清算银行的建立】国际清算银行是英、法、德、意、比、日等国的中央银行与代表美国银行界利益的摩根银行、纽约和芝加哥的花旗银行组成的银团，根据海牙国际协定于1930年5月共同组建的。

刚建立时只有7个成员国，现成员国已发展至41个。

国际清算银行最初创办的目的是为了处理第一次世界大战后德国的赔偿支付及其有关的清算等业务问题。

二次大战后，它成为经济合作与发展组织成员国之间的结算机构，该行的宗旨也逐渐转变为促进各国中央银行之间的合作，为国际金融业务提供便利，并接受委托或作为代理人办理国际清算业务等。

国际清算银行不是政府间的金融决策机构，亦非发展援助机构，实际上是西方中央银行的银行。

第一世界大战后，凡尔赛协议中关于德国战争赔款事宜原来是由一个特殊的赔款委员会执行，按照当时的“道维斯计划”，从1924年起，德国第一年赔付10亿金马克，以后逐年增加一，直赔付58年，至1928年，德国赔款增至赔付25亿金马克，德国声称国内发生经济危机，无力照赔，并要求减少。

美国同意了德国的要求，又由杨格(O·D·Young)策划制定了“杨格计划”。

协约国为执行“杨格计划”决定建立国际清算银行取代原来的赔款委员会，执行对德赔款的分配和监督德国财政。

1930年1月20日，以摩根银行为首的一些美国银行（另外还有纽约花旗银行、芝加哥花旗银行）和英国、法国、意大利、德国、比利时、日本等国的中央银行在荷兰海牙会议上签订国际协议，成立“国际清算银行”。

英、法、比、德、意、日六国政府与瑞士政府达成协议，由瑞士承诺向国际清算银行颁发建行特许证，特许证规定：国际清算银行具有国际法人资格，免税，瑞士政府不征收、扣押和没收该行财产，准许该行进出口黄金和外汇，享有外交特权和豁免。

第二次世界战后，国际清算银行先后成为欧洲经济合作组织（即现在的经济合作与发展组织）各成员国中央银行汇兑担保的代理人；欧洲支付国盟和欧洲煤钢共同体的受托人；欧洲共同体成员国建立的欧洲货币合作基金的代理人。

安徽银行招聘考试：世界100家著名大银行的英文名称

安徽银行招聘考试：世界100家著名大银行的英文名称

推荐阅读：2015安徽商业银行笔试辅导课程马鞍山金融银行1群：2609650782014银行考试微观经济学选择题方法：结合生活世界100家著名大银行的英文名称1. Citibank 花旗银行（美国）2. Dai-Ichi Kangyo Bank 第一劝业银行（日本）3. Fuji Bank 富士银行（日本）4. Sumitomo Bank 住友银行（日本）5. Mitsubishi Bank 三菱银行（日本）6. Banque Nationalede Pairs 巴黎国民银行（法国）7. Sanwa Bank 三和银行（日本）8. Credit Agricole 农业信贷银行（法国）9. Bank of America 美洲银行（美国）10. Credit Lyonnais 里昂信贷银行（法国）11. Norinchukin Bank 农业储金银行（日本）12. National Westminster 国民西敏士银行（英国）13. Industrial Bank of Japan 日本兴业银行（日本）14. Societe Generale 兴业银行（法国）15. Deutsche Bank 德意志银行（德国）16. Barclays Bank 巴克莱银行（英国）17. Tokai Bank 东海银行（日本）18. Mitsui Bank 三井银行（日本）19. Chase Manhattan Bank 大通曼哈顿银行（美国）20. Midland Bank 米兰银行（英国）21. Mitsubishi trust and Banking 三菱信托银行（日本）22. Sumitomo Trust and Banking 住友信托银行（日本）23. Long Term Credit Bank of Japan 日本长期信用银行（日本）24. Band of Tokyo 东京银行（日本）25. Dresdner Bank 德累斯顿银行（德国）26. Taiyo Kobe Bank 太阳神户银行（日本）27. Manufacturers Hanvor Trust 汉华实业银行（美国）28. Mitsui Trust and Banking 三井信托银行（日本）29. Compagnie Financiere de Paribas 巴黎巴银行（法国）30. Hongkong and Shanghai Banking 汇丰银行（英国）31. J.P.Morgan 摩根银行（美国）32. Royal Bank of Canada 加拿大皇家银行（加拿大）33. Union Bank of Switzerland 瑞士联合银行（瑞士）34. Daiwa Bank 大和银行（日本）35. Lloyds Bank 劳埃德银行（英国）36. Yasuda Trust & Banking 安田信托银行（日本）37. Swiss Bank Corp 瑞士银行（瑞士）38. Deutsche Landesbank 德意志地方银行（德国）39. Banca Nazionale del La-voro 国民劳动银行（意大利）40. Bank of Mantreal 蒙特利尔银行（加拿大）41. Bank of China 中国银行（中国）42. Commerzbank 商业银行（德国）43. Chemical (New York) Bank 化学银行（美国）44. Banco do Brasil 巴西银行（巴西）45. Bayerische Vereinsbank 巴伐利亚联合银行（德国）46. Canadian Imperial Bank of Commerce 加拿大帝国商业银行（加拿大）47. Security Pacific 安全太平洋银行（美国）48. Algemene Bank Nederland 荷兰通用银行（荷兰）49. Nippon Credit Bank 日本信贷银行（日本）50. Amsterdam-Rotterdam Bank 阿鹿银行（荷兰51. Kyowa Bank 协和银行（日本）52. Bankers Trust 银行家信托公司（美国）53. First Interstate Bancorp 第一州际银行（美国）54. Toyo Trust & Banking 东洋信托银行（日本）55. Rabobank 农业合作社中央银行（荷兰）56. Banca Commerciale Italiana 意大利商业银行（意大利）57. Bayerische Hypothekenaund Wechsel 巴伐利亚抵押汇兑银行（德国）58. Saitama Bank琦玉银行（日本）59. Istituto Bancario Sanpalol di Torino 都灵圣保罗银行（意大利）60. Bank of Nova Scotia 诺伐斯科西亚银行（加拿大）61. Credit suisse 瑞士信贷银行（瑞士）62. Bayerische Landesbank 巴伐利亚州银行（德国）63. Deutsche Gemossenschalts Bank 德意志合作银行（德国）64. Stand-Chartered Bank 标准麦加利银行（英国）65. Generale de Banque 通用银行（比利时）66. Monte dei pascht di Siena 西雅那银行（意大利）67. Cassa di Risparmio Delle Paovincie Lombarde 伦巴第省储蓄银行（意大利）68. Banco di Roma 罗马银行（意大利）69. First Chicago 芝加哥第一银行（美国）70. Norddentsche Landesbank 北德意志州银行（德国）71. Credit Italiano 意大利信贷银行（意大利）72. Shoko Chukin Bank 工商组合中央金库（日本）73. Hokkaido Takushoku Bank 北海道拓殖银行（日本）74. CIC Group 工商信贷集团（法国）75. Toronto Dominion Bank 多伦多自治领银行（加拿大）76. Bank of Yokohama 横滨银行（日本）77. Rafidain Bank 拉菲丁银行（伊拉克）78. Banque Indosuez 东方汇理苏伊士银行（法国）79. Bank Melli Iran 伊郎国民银行（伊郎）80. Westpac Banking 西太平洋银行公司（澳大利亚）81. Zenshinren Bank 合作银行（日本）82. State Bank of India 印度国家银行（印度）83. Mellon Bank 梅隆银行（美国）84. Group des Banque Popalaries 大众银行集团（法国）85. Banco di Napoli 那坡里银行（意大利）86. Continental Lllinois Bank 大陆伊利诺斯银行（美国）87. Wells Fargo Bank 威尔士法戈银行（美国）88. Chuo Trust & Banking 中央信托银行（日本）89. Bank of Boston 波士顿银行（美国）90. Australia & New Zealand Banking Group 澳新银行集团（澳大利亚）91. Bank fur Gemeinwirischaft 公共经济银行（德国）92. BBI Bank Brussels Lambert 布鲁塞尔朗贝银行（比利时）93. Nederlandsche Middenstandsbank 荷兰密登斯坦银行（荷兰）94. First Bank System 第一银行系统（美国）95. Krediet Bank 信贷银行（比利时）96. Hessische Landesbank 黑森地方汇划中心（德国）97. Creditanstalt Bankverein 联合信贷银行（奥地利）98. Banque Francaise de Commerce 法国商业银行（法国）99. Credit Communal de Belgique 比利时公共信贷银行（比利时）100. Banco Central 中央银行（西班牙）更多信息请关注马鞍山中公教育/。

中国各大银行的英文缩写和世界各国主要银行的英文

中国各大银行的英文缩写和世界各国主要银行的英文

1中国主要银行的英文缩写中国银行——BOC（Bank of China)北京市商业银行——已经改名北京银行——BOB(Bank of Beijing)交通银行——BCM(Bank of Communications)中国农业银行——ABC(Agricultural Bank of China)中国工商银行——ICBC(Industrial and Commercial Bank of China)兴业银行——CIB (Industrial Bank Co., Ltd)中国民生银行——CMBC（China Minsheng Banking Co., Ltd）招商银行——CMB(China Merchants Bank Ltd)中国建设银行——CBC(China Construction Bank)中国光大银行——CEB(China Everbright Bank)中信银行——CCB(China Citic Bank)广东发展银行——GDB(Guangdong Development Bank)上海浦东发展银行——SPDB/SPDBank(Shanghai Pudong Development Bank) 深圳发展银行——SDB(Shenzhen Development Bank)2.世界各国主要银行的英文缩写阿比国民银行Abbey National 英国巴克莱银行Barclays Bank PLC. 英国劳埃德银行Lloyds Bank PLC. 英国国民西敏寺银行National Westminster Bank PLC. 英国米兰银行Midland Bank 英国巴黎国民银行Banque Nationale de Paris 法国里昂信贷银行Credit Lyonnais 法国农业信贷国民银行de Caisse Nationale Credit Agricole 法国梅隆国民银行Mellon National Corp. 美国花旗银行Citibank 美国汉华实业银行Manufacturers Hanover Corp. 美国大通曼哈顿银行Chase Manhattan Bank 美国第一洲际银行First Interstate Bancorp 美国美洲银行(全称"美洲银行国民信托储蓄会") Bank America Corp( "Bank of America National Trust and Savings Associations") 美国摩根保证信托银行Morgan Guaranty Trust Corp. of New York 美国纽约化学银行Chemical New York Corp. 美国纽约银行家信托公司Bankers Trust New York Corp. 美国太平洋安全银行Security Pacific Corp 美国芝加哥第一国民银行First Chicago Corp. 美国德累斯顿银行Dresdner Bank 德国德意志银行Deutsche Bank 德国西德意志地方银行Westdeutsche Landesbank Girozentrale 德国大和银行Daiwa Bank 日本第一劝业银行Dai-Ichi Kangyo Bank 日本东海银行Tokai Bank 日本东京银行Bank of Tokyo 日本富士银行Fuji Bank 日本日本兴业银行Industrial Bank of Japan 日本三和银行Sanwa Bank 日本三井银行Mitsui Bank 日本三菱银行Mitsubishi Bank 日本住友信托银行Sumitomo Trust&Banking日本都灵圣保罗银行Istituto Bancario SanPaolo Di Torino 意大利国民劳动银行Banca Nazionale del Lavoro 意大利伦巴省储蓄银行Cassa Di Risparmio Delle Provincie Lombarde 意大利西亚那银行Monte Dei Paschi Di Siena 意大利意大利商业银行Banca Commerciale Italiana 意大利意大利信贷银行Credito Italiano 意大利荷兰农业合作社中央银行Cooperatieve Centrale Raifferssen-Boerenleenbank 荷兰荷兰通用银行Algemene Bank Nederland 荷兰加拿大帝国商业银行Canadian Imperial Bank of Commerce 加拿大加拿大皇家银行Royal Bank of Canada 加拿大多伦多自治领银行Toronto-Dominion Bank 加拿大瑞士联合银行Union Bank of Switzerland 瑞士瑞士信贷银行Credit Suisse 瑞士瑞士银行公司Swiss Bank Corp. 瑞士西太平洋银行公司Westpac Banking Corp. 澳大利亚巴西银行Banco Do Brasil 巴西汇丰银行Hongkong and Shanghai Banking Corp. 香港中国银行Bank of China 中国文案编辑词条B 添加义项?文案，原指放书的桌子，后来指在桌子上写字的人。

RBC和BRCd的区别

RBC和BRCd的区别

【什么是BRC和RBC】BRC = Bank, Row, Column = Bank-Row-ColumnRBC = Row, Bank, Column = Row-Bank- Column是SDRAM中，两种不同的地址映射方式。

下面就针对上面的表述，来一点点解释。

1. Bank其中Bank，是内存领域里面常用的术语，有把Bank翻译为内存库的，不过觉得不是很合适。

后面会讲到，中文含义，更接近于“块，数据块”。

Bank的详细含义见后面的解释。

而关于row行和column列，很常见和很好理解，就不多说了。

2. SDRAM的物理组织结构说明问题之前，还要简单解释一下，内存SDRAM的物理结构：SDRAM物理上，最小的单位，叫做一个cell单元，用于存储一个数据单位，可以是4-16bits。

而更大一点的单位，就是对应的row或column了，见上图，这个很好理解，不多解释。

然后多少行，多少列，共同组成了一个Bank，中文的含义，很像一个块，一个数据块。

根据上图中的说明可知：常见的Bank，有4-8个；而每个Bank中，一般包含16K的row；而每个行中，一般又包含1024=1K的column；而每个column中，即是我们所说的最小的单位cell了，是4-16bits。

3.地址映射此处所谓的地址映射，简单说就是，将一个内存地址，转换对应到相应的物理存储单元，这个过程，就叫做映射。

4. BRC和RBC的详细含义了解了前面的知识后，再来举例说明所谓的BRC和RBC的地址映射方式。

比如有个SDRAM，对应的参数是：BRC这种映射方式，用的最多。

其优点是，功耗低；RBC的优点是适合数据流方式去访问数据，性能好；B-RL-CL-RH-CH适合存储视频，图像等数据，高性能。

而至于将某个SDRAM设置为BRC还是RBC，好像是SDRAM的controller来决定的。

而由于BRC和RBC，分别有不同的特点，所以，对于如何设置此地址映射方式，就是：【总结】如果是low-power的SDRAM（功耗相对低的，1.8V的低电压），然后就选BRC；如果是High performance的SDRAM（高性能的，当然功耗相对高些，3.3V或2.5V的正常电压的），就选RBC。