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危机时代的金融服务方案

发布时间:2020-03-26 18:20:26 阅读: 来源:拉马厂家

1.We understand that BNP Paribas has recently re-defined its flow business into 4 main product lines. As its global head, can you tell us about the core value of Global Transactional Banking (GTB) and explain briefly on the 4 main product lines?

问:我们知道法国巴黎银行最近将其针对企业日常经营业务流活动的各项产品重新定义成了四条主要产品线。作为法国巴黎银行全球交易银行部(GTB)的 全球负责人,您认为GTB的核心价值在哪里?另外您能否简单介绍一下这四条产品线?

GTB was created to address trade financing needs, working capital management and cash management solutions in a coordinated manner as most clients expect leading banks to deliver comprehensive solutions. GTB is therefore an integrated flow business activity and a relationship enhancer. Once we deal with a client it is usually for several years, due to the operational dimension of our business that takes some significant efforts to be implemented.

为了顺应大多数企业对银行全方位解决方案的诉求,GTB的建立致力于以一种更为整合的方式来满足企业在贸易融资、营运资本管理和现金管理解决方案上 的综合需求。因此GTB是一种更为综合性的面向企业经营“流”活动的业务整合,同时也助于增进银企合作关系。一般来说,实施GTB业务解决方案往往需要银 企双方投入相当多的时间和精力并且密切配合,因此,一旦客户选择和我们合作,这样的关系将维持数年甚至更长的时间。

GTB encompasses 4 product lines - Global Trade Solutions (GTS), International Cash-Management (ICM), Correspondent Banking (CB) and the Transaction Bank Group (TBG).

GTB包含了四大产品线:全球贸易解决方案(GTS),国际现金管理(ICM),代理行(CB)和交易银行集团(TBG)。

2.With the world emerging from the financial crisis, what do you see as the trend of large corporate and how’s these changes affecting the way banks like BNP Paribas operate?

问:随着世界逐渐从金融危机中复苏,您觉得当前大型企业的发展趋势如何?这些变化对象法国巴黎银行这样的银行的营运会产生怎样的影响?

The financial crisis triggered a global liquidity drought. From corporate's perspective, credit has suddenly become expensive if not unavailable. As a result, corporate has placed a greater emphasis on liquidity management to ensure that they have the right fund at the right price at right place at any point in time.

金融危机引发了全球流动性的紧缩。企业的直观感受就是信贷融资突然变得昂贵甚至紧缺。因此,企业更加重视流动性管理,以确保他们在任何时间,都能在 合适的地点、以合适价格获取足够的资金。

There is also a rethink of the relationship bank, i.e. the bank that will support them through difficult time. Consequently, there is a better appreciation and business award to the core bank.

这也促使企业开始重新考量他们的合作银行,即那些真正帮助企业渡过难关的银行。正因为如此,企业也更青睐自己的核心银行并给予他们更多的业务支持。

Thanks to our risk discipline, BNP Paribas has weathered well the financial crisis. We have and we will continue to support our strategic clients. At the same time, we continue to listen to our clients and innovate our product/ services to help them best address their challenges and grow their business. The creation of GTB is an excellent example of our continual innovation.

感谢我们银行一贯的风险自律,法国巴黎银行已安然渡过了金融危机。我们将一如既往地支持我们的战略客户。与此同时,我们将继续聆听客户需求,不断创 新产品和服务,帮助客户迎接挑战、拓展业务。GTB的设立就是我们不断创新的有力证明。

3. Going back to the newly created GTB, how do you see the 4 main product lines integrating to provide a total solution in response to the new trend observed?

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