廈門國際銀行簡介

1、中國第一家中外合資銀行中國第一家中外合資銀行最貼近中國市場的外（合）資銀行最貼近中國市場的外（合）資銀行The First Joint-Venture Bank in ChinaBest Acquainted with Chinese Market銀行簡介銀行簡介 A Brief Introduction 廈門國際銀行成立于廈門國際銀行成立于1985年年8月，是中國首家中外月，是中國首家中外合資銀行，注冊資本合資銀行，注冊資本10.69億元人民幣，總部設在中億元人民幣，總部設在中國廈門。國廈門。Established in August 1985, Xiamen International B

2、ank (XIB) is the first Sino-foreign Joint-Venture Bank in China, with registered capital of RMB 1.069 billion. The Head Office of XIB is in Xiamen.銀行簡介銀行簡介 A Brief Introduction在香港、澳門分別擁有附屬機構在香港、澳門分別擁有附屬機構廈門國際投資有限公司和澳門國際廈門國際投資有限公司和澳門國際銀行股份有限公司（下轄銀行股份有限公司（下轄1111家分行）。家分行）。XIB has its subsidiaries of Xi

3、amen International Investment Ltd in Hong Kong, and Luso International Banking Ltd. in Macau which runs 11 branches.在北京、上海、福州、珠海、廈門等地設有分行及多家同城支行，在泉在北京、上海、福州、珠海、廈門等地設有分行及多家同城支行，在泉州設有代表處。州設有代表處。In Chinese Mainland, XIB operates branches and a number of sub-branches in cities including Beijing, Shangha

4、i, Fuzhou, Zhuhai, Xiamen, and a representative office in Quanzhou.銀行簡介銀行簡介 A Brief Introduction與分布在與分布在6060多個國家和地區(qū)的近多個國家和地區(qū)的近200200家中外銀行建立了代理行關系，家中外銀行建立了代理行關系，商務聯(lián)系遍及全球。商務聯(lián)系遍及全球。XIB has established correspondent banking relations with nearly 200 banks from more than 60 countries and regions, with bu

5、siness links all over the world. 連續(xù)多年入選英國連續(xù)多年入選英國銀行家銀行家雜志雜志”世界世界10001000大銀行大銀行”和和”亞洲亞洲200200大銀行大銀行”。The British Journal, The Banker has listed XIB among the Top 1000 banks worldwide and Top 200 banks in Asia for several successive years.股權結構股權結構 Shareholding Structure銀行分支機構銀行分支機構 Subsidiaries and Br

6、anches總總 裁裁President審計委員會審計委員會Examination Committee首席審計官首席審計官Chief AuditorXIBXIB稽核部稽核部MIC監(jiān)監(jiān) 事事 會會Supervisory Board薪酬委員會薪酬委員會Remuneration Committee風險管理委員會風險管理委員會Risk Management Committee關聯(lián)交易控制委員會關聯(lián)交易控制委員會Related Transaction Control Committee董事會（股東大會）董事會（股東大會）Board of Directors (Shareholders Meeting)常

7、董會（董事會）常董會（董事會）Executive Board (Board of Directors)銀行公司治理架構銀行公司治理架構 Corporate Governance總裁辦公會總裁辦公會Presidents Meeting總裁總裁(總經(jīng)理總經(jīng)理)辦辦公室公室Administrative Dept.發(fā)展研究部發(fā)展研究部R&D Dept.人力資源部人力資源部HR Dept.總總 務務 部部General Affairs Dept.風險管理部風險管理部Risk Manage-ment Dept.風險評估部風險評估部Risk Evaluation Dept.計劃財務部計劃財務部Pla

8、nning and Finance Dept.押押 匯匯 部部 Bills Dept.總經(jīng)理辦公會總經(jīng)理辦公會General Managers Meeting科技發(fā)展與安全管科技發(fā)展與安全管理委員會理委員會IT Development & Safety Management Committee質量管理質量管理委員會委員會Quality Management Committee新產(chǎn)品委員會新產(chǎn)品委員會New Product Development Committee資產(chǎn)負債管理資產(chǎn)負債管理委員會委員會Assets and Liabilities Management Committee反

9、洗錢委員會反洗錢委員會Anti-money Laundering Committee信貸委員會信貸委員會Credit Committee總裁辦公會總裁辦公會Presidents Meeting總總 裁裁President副總經(jīng)理副總經(jīng)理Deputy General Manager資金營運部資金營運部Fund Operation Dept.科科 技技 部部 IT Dept.首席信息官首席信息官CIO銀行管理架構銀行管理架構 Management Structure法律事務室法律事務室Legal Affairs Office市場營銷管理部市場營銷管理部Marketing Dept.資產(chǎn)總額資產(chǎn)總額

10、 Total Assets存款余額存款余額 Customer Deposit Outstanding各類貸款余額各類貸款余額 Loans Outstanding稅后利潤稅后利潤 After-tax Profit股東權益收益率（稅后）股東權益收益率（稅后）Return on Equity (after-tax)資產(chǎn)收益率（稅后）資產(chǎn)收益率（稅后）Return on Assets (after-tax)不良資產(chǎn)率不良資產(chǎn)率 Non-performing Asset Ratio不良貸款率不良貸款率 Non-performing Loan Ratio主要業(yè)務指標與上市銀行比較主要業(yè)務指標與上市銀行比較

11、 說明：說明：1.香港上市銀行不良貸款率指的是不履行貸款率；香港上市銀行不良貸款率指的是不履行貸款率；2.數(shù)據(jù)來源：各行數(shù)據(jù)來源：各行2008年年報。年年報。 以客戶為中心，提供安全、便捷的金融服務以客戶為中心，提供安全、便捷的金融服務Customer-oriented, providing safe and convenient financial servicesCustomer-oriented, providing safe and convenient financial services 崇尚智慧經(jīng)營，在國內率先引入綜合授信額度貸款、建筑貸崇尚智慧經(jīng)營，在國內率先引入綜合授信額度貸

12、款、建筑貸款、樓宇按揭、貸款轉售等新業(yè)務款、樓宇按揭、貸款轉售等新業(yè)務Advocate management with wisdom, taking the lead in China to Advocate management with wisdom, taking the lead in China to introduce new products such as consolidated facilities, construction introduce new products such as consolidated facilities, construction loans

13、, mortgage loans, loan resale, etc.loans, mortgage loans, loan resale, etc. 提供個性化的貼心服務提供個性化的貼心服務Customized and considerate servicesCustomized and considerate services注重高品質的客戶服務注重高品質的客戶服務Focus on High Quality Customer Services 營銷管理、組織扁平化和集約化，提升服務效率營銷管理、組織扁平化和集約化，提升服務效率Flat and centralized marketing m

14、anagement and organization to Flat and centralized marketing management and organization to improve efficiency in servicesimprove efficiency in services 在國內第一家通過國際結算在國內第一家通過國際結算ISO9001ISO9001質量體系認證質量體系認證First bank in China accredited with ISO 9001 for international First bank in China accredited wit

15、h ISO 9001 for international settlementsettlement 發(fā)揮跨境內外經(jīng)營優(yōu)勢，大陸與港澳機構整體聯(lián)動發(fā)揮跨境內外經(jīng)營優(yōu)勢，大陸與港澳機構整體聯(lián)動Advantages in combined and coordinated management in Advantages in combined and coordinated management in Mainland China and Hong Kong and Macau SubsidiariesMainland China and Hong Kong and Macau Subsidiari

16、es注重高品質的客戶服務注重高品質的客戶服務Focus on High Quality Customer Services 創(chuàng)新求變創(chuàng)新求變Encourage Innovations以人為本以人為本Recognize Human Merits團結奉獻團結奉獻Value Cooperation and Dedication開拓進取開拓進取Advocate Development and Assertiveness以人為本的科學管理以人為本的科學管理 Scientific Management which Recognizes human merits一、建立具有特色的人力資源管理體制一、建立具有

17、特色的人力資源管理體制 Build HR management system with characteristicsBuild HR management system with characteristics 打造高素質的經(jīng)營管理團隊打造高素質的經(jīng)營管理團隊Building a high quality managerial teamBuilding a high quality managerial team 廣納賢才，量才使用廣納賢才，量才使用Attracting talents, and use them according to their abilitiesAttracting

18、talents, and use them according to their abilities 合理的績效考核和收入分配制度合理的績效考核和收入分配制度Appropriate performance assessment and income distribution Appropriate performance assessment and income distribution systemsystem 雙階梯晉升機制雙階梯晉升機制Double-ladder promotion mechanismDouble-ladder promotion mechanism 員工職業(yè)生涯規(guī)劃員

19、工職業(yè)生涯規(guī)劃Career planning for employeesCareer planning for employees以人為本的科學管理以人為本的科學管理 Scientific Management which Recognizes human merits二、不斷夯實基礎管理二、不斷夯實基礎管理 Continue strengthening fundamental managementContinue strengthening fundamental management 建立健全各項規(guī)章制度建立健全各項規(guī)章制度Building and perfecting regulatio

20、nsBuilding and perfecting regulations 管理標準化、規(guī)范化和精細化，如推行手冊管理、過程管理、管理標準化、規(guī)范化和精細化，如推行手冊管理、過程管理、量化管理、預案管理、建立應急機制等量化管理、預案管理、建立應急機制等Promoting standard and refined management, such as implementing Promoting standard and refined management, such as implementing management by manuals, process management, qua

21、ntified management by manuals, process management, quantified management, premeditated management, emergency response management, premeditated management, emergency response mechanism, etc.mechanism, etc.以人為本的科學管理以人為本的科學管理 Scientific Management which Recognizes human merits二、不斷夯實基礎管理（續(xù)）二、不斷夯實基礎管理（續(xù)）

22、Continue strengthening fundamental managementContinue strengthening fundamental management（continuedcontinued） 以國際標準為標桿，實施國際會計準則以國際標準為標桿，實施國際會計準則Implementing International Accounting StandardsImplementing International Accounting Standards 優(yōu)化業(yè)務流程，實現(xiàn)風險、財務、人力、審單等大集中優(yōu)化業(yè)務流程，實現(xiàn)風險、財務、人力、審單等大集中Streamlining

23、 business flow, realizing centralization of risk control, Streamlining business flow, realizing centralization of risk control, financial management, HR management and processing of billsfinancial management, HR management and processing of bills以人為本的科學管理以人為本的科學管理 Scientific Management which Recogni

24、zes human merits風險風險 Risk外部審計外部審計 External Auditing 分級授權審批分級授權審批 Authority to approve at appropriate levels雙人雙職雙責雙人雙職雙責 Dual people and Dual Responsibility相關崗位部門監(jiān)督制約相關崗位部門監(jiān)督制約 Supervision and constraint by relevant depts.總行垂直管理總行垂直管理 Direct Management from Head office內部稽核內部稽核 Internal Auditing定期不定期對

25、帳、盤點定期不定期對帳、盤點 Regular & Irregular accounting checking 系統(tǒng)分析與預警系統(tǒng)分析與預警 Systemic Analysis and Precaution第五道防線第五道防線 Defense Line 5第六道防線第六道防線 Defense Line 6第四道防線第四道防線 Defense Line 4第三道防線第三道防線 Defense Line 3第二道防線第二道防線 Defense Line 2第一道防線第一道防線 Defense Line 1第七道防線第七道防線 Defense Line 7第八道防線第八道防線 Defense

26、Line 8健全的內控機制健全的內控機制 Perfected Internal Control貫徹風險管理的貫徹風險管理的“8 8只眼只眼”原則：原則： Implement the “eight eyes” principle in risk management Implement the “eight eyes” principle in risk management 一雙眼睛看對象、一雙眼睛看對象、 一雙眼睛看度量一雙眼睛看度量一雙眼睛看預警、一雙眼睛看內控一雙眼睛看預警、一雙眼睛看內控First pairs of eyes on the object, First pairs of

27、eyes on the object, Second on the measurement, Second on the measurement, Third on pre-warning, Third on pre-warning, Fourth on internal Control.Fourth on internal Control.以誠信經(jīng)營為底蘊的風險管理文化以誠信經(jīng)營為底蘊的風險管理文化 Culture of Risk Management with Faith management as the essence全面風險管理體系建設：全面風險管理體系建設： Building of

28、 overall risk management systemBuilding of overall risk management system 全員風險管理、全過程風險控制、全方位風險管理全員風險管理、全過程風險控制、全方位風險管理Risk management by the entire personnel; risk control along the Risk management by the entire personnel; risk control along the whole process, omnipresent risk managementwhole proces

29、s, omnipresent risk management以巴塞爾新資本協(xié)議為標準，建設內部法評級系統(tǒng)以巴塞爾新資本協(xié)議為標準，建設內部法評級系統(tǒng)Taking Basel II new capital accord as the standard to build internal Taking Basel II new capital accord as the standard to build internal rating systemrating system引入信貸風險預警系統(tǒng)以及壓力測試等全新風險計量手段引入信貸風險預警系統(tǒng)以及壓力測試等全新風險計量手段 Introduce n

30、ew risk measurement methods such as credit risk pre-Introduce new risk measurement methods such as credit risk pre-warning system and pressure tests, etc.warning system and pressure tests, etc.以誠信經(jīng)營為底蘊的風險管理文化以誠信經(jīng)營為底蘊的風險管理文化Culture of Risk Management with Faith management as the essence全面風險管理體系建設：全面風

31、險管理體系建設： Building of overall risk management systemBuilding of overall risk management system設立專門的合規(guī)經(jīng)理，負責全行合規(guī)工作，加強合規(guī)文設立專門的合規(guī)經(jīng)理，負責全行合規(guī)工作，加強合規(guī)文化培養(yǎng)化培養(yǎng)Appoint compliance manager to take the charge in the Appoint compliance manager to take the charge in the compliance work, and to enhance culture of comp

32、liance compliance work, and to enhance culture of compliance 建立科學的健康指標體系，定期進行評分，以實現(xiàn)動態(tài)建立科學的健康指標體系，定期進行評分，以實現(xiàn)動態(tài)反饋和及時預警反饋和及時預警Build scientific healthy Indexes System, and assess the system Build scientific healthy Indexes System, and assess the system regularly to maintain dynamic response and timely p

33、re-warning.regularly to maintain dynamic response and timely pre-warning.以誠信經(jīng)營為底蘊的風險管理文化以誠信經(jīng)營為底蘊的風險管理文化Culture of Risk Management with Faith management as the essence 總體目標：總體目標：成為一家具有自身特色和競爭優(yōu)勢、獲得優(yōu)良國際資成為一家具有自身特色和競爭優(yōu)勢、獲得優(yōu)良國際資信評級（銀行評級達到國內股份制銀行的領先水平）信評級（銀行評級達到國內股份制銀行的領先水平）的精品上市銀行的精品上市銀行 General Goal: Building XIB into a high quality listed bank General Goal: Building XIB into a high quali