English Chinese translation sample-mobile banking

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

Mobile Banking (Short Message)
手机银行（短信）

Mobile Banking (Short Message) is a banking service for customer to make enquiry, transfer, remittance, donation, spending, bill payment, subscribe/cancel Balance Change Reminding service according to the customer's instruction sent through mobile. Result will be sent back to customer by short message.

　　手机银行（短信）是指客户通过编辑发送特定格式短信到银行的特服号码，银行按照客户指令，为客户办理查询、转账、汇款、捐款、消费、缴费、定制/取消余额变动提醒通知等相关业务，并将交易结果以短信方式通知客户的新型金融服务方式。

I. Features & Advantages
1. Wide Service Coverage, Easy to Apply
You can enjoy all Mobile Banking services as long as your mobile can send and receive short messages. You can register Mobile Banking yourself through www.icbc.com.cn or go to any ICBC Business Office to register. The registration is easy and simple.

　　一、特点和优势
　　1. 服务面广、申请简便
　　只要您的手机能收发短信，即可轻松享受手机银行的各项服务。您可以通过中国工商银行中国网站自助注册手机银行，亦可到工商银行营业网点办理注册，手续简便。

2. Rich Functions, Convenient and Flexible
Eight kinds of services such as account enquiries, transfers , remittances, donations, bill payments, consumption and subscribe/cancel Balance Change Reminding service can all be provided through mobile phone short messages. Moreover, you do not need to change mobile phone or SIM card before you enjoy all these new services and functions if there is any. All mobile transactions codes are composed by combining the first alphabet of each word of the transaction name for easy reference. You can send short message of "?" to find out how to use all the functions.

　　2. 功能丰富、方便灵活
　　通过手机发送短信，即可使用账户查询、转账汇款、捐款、缴费、消费支付及定制/取消余额变动提醒通知等八大类服务。而且，手机银行提供更多更新的服务功能时，您也无须更换手机或SIM卡，即可自动享受到各种新增服务和功能。手机银行交易代码均取交易名称的汉语拼音首位字母组成，方便记忆，您还可随时发送短信“？”查询各项功能的使用方法。

3. Safe and Reliable, Layers of Protection
ICBC adopts several layers of protection to secure your money. First, information in Mobile Banking (Short Message) is encrypted using international recognized standard during transmission and procession. Data between Mobile Operator and ICBC are securely transmitted and processed to prevent being stolen or compromised in this way. Secondly, a strict restriction is set for outward transfer amount through Mobile Banking (Short Message). Thirdly, the registered mobile phone of customers will be tied up with their accounts and a special pin number for payment is required.

　　3. 安全可靠、多重保障
　　银行采用多种方式层层保障您的资金安全。一是手机银行（短信）的信息传输、处理采用国际认可的加密传输方式，实现移动通讯公司与银行之间的数据安全传输和处理，防止数据被窃取或破坏；二是客户通过手机银行（短信）进行对外转账的金额有严格限制；三是将客户指定手机号码与银行账户绑定，并设置专用支付密码。

4. 7 x 24 Services, Fund Credit into Account Instantly
You can enjoy ICBC Mobile Banking (Short Messages) service 24 hours a day and 7 days a week anytime and anywhere as far as your mobile can send and receive short messages. Money transferred and remitted is credited into accounts real time. Payments for bills and spending are completed in seconds. Everything is at your "hands".

　　4. 7×24小时服务、资金实时到账
　　无论何时，您身在何处，只要可以收发短信，立即享受工行手机银行（短信）7×24小时全天候的服务，转账、汇款资金瞬间到账，缴费、消费支付实时完成，一切尽在“掌”握。

English Chinese translation sample-risk management

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

IX. Risk Management
In 2006, ICBC reformed its organization and remade its risk management procedures, separated a clearcut front, middle, and back business responsibility setup, appointed the CRO, to constitute a relatively centralized and independent risk management system.

　　九、风险管理
　　2006年中国工商银行实施组织机构改革和风险管理流程再造，清晰分离了前、中、后台职能，设立了首席风险官，着力于构建相对集中和独立的风险管理体系。

1. Credit risk management.
ICBC further promoted the centralized management of the credit business, raised the credit approval decision making level, and established an independent and centralized credit risk control system. It further improved its credit policy for the legal person clients, and implemented a differentiating credit policy in terms of region, trade, clients and products. It promoted creativity in small enterprise credit products and management and implemented a differentiating credit policy for small enterprises. It improved its personal credit management system, launched the “personal credit approval program”, and consolidated the five-grade system for personal credit assets. ICBC practiced a twelve-level classification for the quality management of corporate credit assets, with primary classification performed automatically by the computer system.

　　（一）信用风险管理。
　　深入推进信贷业务集约化经营管理，提高授信审批决策层次，构建独立集中的信贷业务风险控制体系。继续完善公司法人客户信贷政策，从区域、行业、客户、产品等方面实施差别化的信贷政策。积极推进小企业信贷产品创新和管理创新，实施差别化的小企业信贷政策。完善个人信贷管理系统，启动“个人信贷审批系统项目”，进一步强化个人信贷资产质量五级分类制度。对公司贷款资产质量实施12级分类管理，实现计算机系统自动初分。

2. Liquidity risk management.
ICBC transferred assets from branches of the second level and below and to the first level branches for centralized assets allocation, and guided the branches to adjust the assets liability period through internal fund transfer and pricing. With a series of index, it monitored daily the liquidity positions, the overall cash in the bank, the deposit in the Head Office and other branches, and other interest-generating amount and structure, in order to control the liquidity ratio to meet legal and internal requirements.

　　（二）流动性风险管理。
　　将二级及以下分行的资金集中到一级分行进行全额集中配置管理，通过内部资金转移定价机制引导分行调整资产负债期限结构。应用一系列参数每日监控流动性头寸、全行现金、总行存款和其他银行的现金以及其他生息资产的金额和结构，监控流动性比率以符合法规及内部要求。

3. Market risk management.
ICBC separated the middle business monitoring the market risk from the front business dealing with assets. With a series of core quota in interest rate risk management, analysis criteria of interest rate sensitivity gap, and guidance in interest rate risk management, ICBC established an interest rate risk management system adapted to the progress of marketization.

　　（三）市场风险管理。
　　分离中台对市场风险敞口的监控功能与资金业务的前台交易。采用一系列利率风险管理的核心指标、利率敏感度缺口分析标准以及利率风险管理指引，建立适应市场化进程的利率风险管理信息系统。

4. Operation risk and internal control.
ICBC constantly upgraded its operational risk management framework, system platform and technical means and promoted the implementation of The Operational Risk Management Manual in the whole bank. As a result, case occurrence rate and amount involved were the lowest in the history in 2006.

　　（四）操作风险与内部控制。
　　不断完善操作风险管理架构、制度平台和技术手段，在全行推广实施《操作风险管理手册》，2006年全行发案率及涉案金额控制在历史最低水平。

English Chinese translation sample-corporate governance

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

VIII. Corporate Governance
1. The corporate governance structure.
In accordance to the stipulations of The PRC Corporate Law and The PRC Securities Law, ICBC established the governance framework made up of the general meeting of shareholders, the board of directors, the board of supervisors and the top management, and a working mechanism in which the institutions of authorities, decision making, supervision and management perform their own duty while cooperating with one another. Under the board of directors there are five specialized committees respectively in charge of strategy, auditing, appointment and payroll, risk management, and related business control. Under the board of supervisors there is the supervision committee. To further enhance the corporate governance structure, ICBC has compiled the authorization plan by the general meeting to the board of directors, and the authorization plan by the board of directors to the president. It has modified the duties and member structures in the specialized committee, implemented the chief risk officer system, added supervisors from the bank staff, made the share value addition plan to build up the corporate incentive mechanism, and explored means to consolidate communication and strategic cooperation with investors outside China to improve corporate governance.

　　八、公司治理
　　（一）公司治理结构。
　　中国工商银行按照《中华人民共和国公司法》、《中华人民共和国证券法》等相关法律法规要求,建立了由本行股东大会、董事会、监事会和高级管理层组成的治理架构,形成了权力机构、决策机构、监督机构和高级管理层之间各司其职、相互协调、有效制衡的工作机制。董事会下设战略委员会、审计委员会、提名与薪酬委员会、风险管理委员会、关联交易控制委员会等五个专门委员会；监事会下设监督委员会。为进一步完善公司治理结构，制定了股东大会对董事会授权方案和董事会对行长授权方案，调整董事会下设专门委员会的职责和成员结构，实行首席风险官制度，补选职工监事，制定了股票增值权计划以建立健全公司激励机制，积极探索与境内外投资者加强沟通和战略合作的途径，不断提高公司治理水平。

2. Human resources management.
ICBC has further reformed its HR management and incentive mechanism, and constituted a modern post-based HR management system. With the introduction of EVA and GSR, ICBC has established a performance-oriented payroll mechanism, continued to improve the differentiating payroll system and fully implemented the corporate annual fund system. In 2006, ICBC held 40,000 various training programs participated by 1.94 million persons/times, an average training of 9.43 days per person. The programs included leadership and FRM training, experimental pre-service training, and the external online education system. ICBC has accelerated the structural reform in the Head Office braches, launched a top-down reformation of some business procedures and organizational adjustment, and has reorganized the departments of corporate banking, capital management, risk management and financial management in the Head Office.

　　（二）人力资源管理。
　　深化人力资源管理和激励约束机制改革，构建以岗位为基础的现代人力资源管理体制。引入经济增加值（EVA）和收益分享比例（GSR）理念，建立绩效工资分配机制；继续完善差异化薪酬体系；全面建立企业年金制度。2006年全行举办各级各类培训班4万期，194万人次，人均受训9.43天。开展了领导力培训、金融风险管理师（FRM）人才培训等项目，试行员工岗前培训制度，投产开通了外网远程教育系统。推进总行、分行机构改革，自上而下地启动了全行部分主要业务流程再造和组织结构调整工作，重组了总行公司银行业务、资金业务、风险管理、财务管理等职能部门。

English Chinese translation sample-information technology

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

VII. Information Technology
ICBC's IT system has been further improved with the expansion of application products and construction of management computerization. Its information system has been in secure and steady operation. In 2006, ICBC was given the “Most Acclaimed Network Globally” Award by The Banker, and was selected by China Information Industry Development and Research Institute and China Computerization Promotion Union as an “Excellent Corporation in Computerization of 2006”.

　　七、信息科技
　　中国工商银行的信息科技体系进一步完善，应用产品不断丰富，管理信息化建设不断推进，信息系统运行安全稳定。2006年获得《银行家》“全球银行网络应用创新奖”，及中国电子信息产业发展研究院和中国信息化推进联盟评选的“2006中国信息化建设年度优秀企业”。

ICBC reconstructed its core application system according to its business lines to reduce risk operation of the centralization of data, and meanwhile quickened its pace in R&D. In 2006 it developed 173 new application programs and upgraded 365 programs. It filed 22 patent applications to SIPO in 2006, among which two were granted “utility models” and “The encrypting and confirmation of Internet Banking data” obtained its patent. By the end of the year, ICBC were in possession of 58 patents.

　　按照业务线对核心应用系统进行重构，降低数据集中后的运行风险，同时加快了产品的研发速度。全年共完成应用类新项目开发173个，对原有项目功能优化365个。2006年向国家知识产权局提交专利申请22项，其中2项专利申请获得实用新型专利授权，“对网上银行数据进行加密、认证方法”获得了发明专利授权。截至年末，拥有的专利数量达到58项。

Personal credit management, accountant risk control and other systems have been promoted with remarkable progress.

The different location disaster prevention project in the overseas data centralization system was completed and had its first overseas rehearsal of post-disaster restoration.

　　个人信贷管理、会计风险监控等系统在全行推广完善，经营管理水平和风险控制水平不断提高。
　　完成了海外数据集中系统的异地灾备工程，海外分行首次实施业务级灾难恢复应急演练。

English Chinese translation sample-international banking

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

VI. International Banking
ICBC has its business in every financial center worldwide, with its branch in Hong Kong, Macao, Singapore, Tokyo, Seoul, Pusan, Frankfurt and Luxemburg, and its institution of holdings in Hong Kong, London, Luxemburg and Almaty, and its agency in New York, Mexico and Sidney. By the end of 2006, ICBC's institutions abroad had amounted to 98, and it had established agent bank relationship with 1,266 foreign banks in 117 countries and regions. The total assets in branches and institutions of holdings abroad amounted to USD 26.72 billion, a y-on-y increase of 15.26%.

　　六、境外业务
　　中国工商银行业务遍及全球主要金融中心。在香港、澳门、新加坡、东京、首尔、釜山、法兰克福和卢森堡设有分行；在香港、伦敦、卢森堡和阿拉木图设有控股机构；在纽约、莫斯科和悉尼设有代表处。截至2006年末，境外机构达98家，与117个国家及地区的1,266家境外银行建立了代理行关系；境外分行和控股机构的资产总额达267.2亿美元，比上年增长15.26%。

On December 30, 2006, ICBC signed an agreement of acquisition with the directors of Bank Halim Indonesia to acquire 90% of shares in the bank. This was the first cross-nation bank acquisition completed by ICBC and was also its first entrance into the foreign market by means of acquisition.

　　2006年12月30日，与印尼Bank Halim Indonesia股东签署了收购协议，将收购该行90%的股份。本次收购是中国工商银行完成的首次跨国银行收购，也是第一次以收购方式进入国外市场。

ICBC (Asia) Co. Ltd. (ICBC Asia) is currently the largest ICBC business unit outside China. It provides comprehensive retail and personal financing service, as well as commercial and corporate banking service. A leading role in the Hong Kong market in terms of syndicate loans and structural loans, it has established a network of branches in the major commercial and potential areas in Hong Kong. By the end of 2006, ICBC Asia's total assets amounted to HKD146.392 billion, which was ranked No. 6 among the registered banks listed in SEHK. Its net assets amounted to HKD 11.085 billion, with HKD 1.246 billion as profit attributed to shareholders in 2006.

　　中国工商银行（亚洲）有限公司（“工银亚洲”）是中国工商银行目前最大的境外业务主体，提供全面的零售及个人理财服务、全面的商业和企业银行服务，在银团贷款和结构性贷款方面扮演着香港市场领跑者的角色，并基本建立起了覆盖全港主要商业地段和潜力地段的分行网络体系。截至2006年末，工银亚洲总资产达1,463.92亿港元，在其本身或其母公司在香港联交所公开上市的香港注册银行之中，工银亚洲的总资产排名第六，净资产110.85亿港元，2006年股东应占盈利为12.46亿港元。