某银行业务发展情况

　　Strictly Private and Confidential　 绝密　Information

Memorandum Project Ginkgo September 25, 2007　

　　目　 录　第一章 释

义 ................................................ 11 第二

章 概览 ................................................ 13

一、行业概

述..........................................................

13 （一）概

述...........................................................

. 13 （二）国内都市商业银行的生长历

程...................................... 14 （三）国内银行业

市场格式.............................................. 15

二、公司简

介..........................................................

17 （一）表

面...........................................................

. 17 （二）本行组织结

构.................................................... 17

三、股权结

构..........................................................

19 四、业务模

式..........................................................

19 五、业务特

点..........................................................

19 六、经营战

略..........................................................

20 七、治理结

构..........................................................

20 八、治理团

队..........................................................

20 九、财务状

况..........................................................

20 十、引资提

要..........................................................

22 第三章 投资亮

点 ............................................ 23 一、得天

独厚的政策和区位优

势.......................................... 23 二、准确的市

场定位....................................................

24 三、优秀的治理团

队.................................................... 25

四、范例的公司治理结

构................................................ 26 五、网

点优势和信息优

势................................................ 26 六、高

效的治理体

制.................................................... 27

七、良好的生长

性...................................................... 27

八、良好的银行品

牌.................................................... 28

九、西部地区最佳跨区域生长平

台........................................ 30

　　十、显著的稀缺代

价.................................................... 30

第四章 本次引资摆

设 ......................................... 31 一、引资的目

的........................................................

31 二、境外战略投资者需要具备的根本条

件.................................. 31 三、引资前股本结

构.................................................... 32

四、引资后股本结

构.................................................... 33

五、本次引资所募集资金的运

用.......................................... 33 第五章 中国

银行业提要 ...................................... 34 一、总

揽...........................................................

... 34 二、中国银行业生长的格式与情

况........................................ 34 （一）国内银行

业市场格式.............................................. 34

（二）中国银行业的经营情

况............................................ 35 （三）银行

业的羁系....................................................

36 三、中国银行业生长的轨迹和偏

向........................................ 39 四、中都城市商

业银行的生长历程........................................ 40

第六章 公司简介 ............................................

43 一、历史沿

革..........................................................

43 二、本行业

务..........................................................

44 三、组织机

构..........................................................

44 （一）组织结构

图...................................................... 44

（二）治理体

制........................................................

46 （三）主要的治理制

度.................................................. 46 四、

公司治

理..........................................................

48 （一）股东大

会........................................................

48 （二）董事

会..........................................................

48 （三）监事

会..........................................................

49 （四）独立董

事........................................................

50 （五）本行担当下列机构的羁系与查

抄：.................................. 50 第七章 业务生长情

况 ........................................ 51

　　一、业务生长历

程...................................................... 51

二、运营结

构..........................................................

56 （一）业务运营结构

图.................................................. 57

（二）主要业务组织流

程................................................ 58 （三）

营销渠

道........................................................

61 三、本行主要业

务...................................................... 63

（一）公司银行业

务.................................................... 65

（二）小我私家银行业

务................................................ 67 （三）

资金业

务........................................................

70 第八章 风险治

理 ............................................ 72 一、概

述...........................................................

... 72 （一）风险治理构

架.................................................... 72

（二）风险治理表

面.................................................... 74

二、信用风险治

理...................................................... 75

（一）公司类贷款信用风险治

理.......................................... 75 （二）小我私

家贷款信用风险治理........................................

76 三、市场风险治

理...................................................... 77

（一）现有组织架

构.................................................... 77

（二）部分分

工........................................................

77 （三）制度建立和控制步

伐.............................................. 78 （四）内

部监

督........................................................

78 四、操纵风险治

理...................................................... 78

五、流动性风险治

理.................................................... 78

六、信息技能风险治

理.................................................. 79 七、

违规行为的陈诉和监

控.............................................. 79 第九章

财务管帐信息和阐发 .................................. 80 一、

财务管帐报

表...................................................... 80

(一) 最近三年资产欠债

表............................................... 80 （二）

最近三年利润

表.................................................. 83 二、

财务管帐事项及说

明................................................ 84 （一）

审计事项说

明.................................................... 84

　　（二）主要管帐政

策.................................................... 85

三、财务指标和羁系指标阐

发............................................ 86 （一）财务

指标........................................................

86 （二）羁系指标阐

发.................................................... 88

四、治理层对特别事项的说

明............................................ 90 （一）原汇

通银行事项..................................................

90 （二）境内外管帐师审计差别事

项........................................ 91 五、治理层对下

一步生长的展望.......................................... 91

（一）本行总体生长战略目

标............................................ 91 （二）未来

三年的增长筹划..............................................

91 （三）战略实施步

伐.................................................... 91

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