【正文】 checking into savings overnight in order to earn interest, and ? A designated customer service officer to manage their accounts. In order to fully offer its resources to branch banking customers, Citibank imposed relatively high deposit requirements of its checking/savings customersusually about $10 000. Mortgage power, targeted at housing loan customers, allowed those whose homes were worth more than the existing mortgage to obtain a revolving line of credit on top of their existing loan. Citibank was also one of the largest providers of auto loans in Asia. The bank worked to establish and maintain relationships with car dealers as one way to gain access to new customers。s mission in the AsiaPacific region was to be the most profitable and prominent provider of a wide array of financial services to an increasingly affluent upperine and middleine market, and to reach the rapidly growing middleine households in this region. The bank operated in 15 countries region throughout Asia pacific and the Middle East: Hong Kong, Taiwan, Australia, the Philippines, Guam, Singapore, India, the Gulf, Malaysia, Indonesia, Thailand, Pakistan, and Korea. Rapid economic development had made these countries attractive business propositions for many international banks. However, most Asian governments had a number of regulations designed to protect local banks and limit the expansion of foreign banks. For instance, foreign banks in Indonesia could operate only two branches。 consumers39。 特許經(jīng)營機構(gòu) 將是 Diners Club卡的唯一發(fā)行者和商戶業(yè)務(wù)的在該國唯一的收購方?；ㄆ煦y行 向 持卡人 每月結(jié)算一次以百元為單位，因此 持卡人便視 折扣后的商品總值 選擇分 期 付款或全 額付款 本地銀行 的手續(xù)費 在 ％至 ％之間，遠(yuǎn)遠(yuǎn) 比 花旗銀行的 ％為 更低 低，因此，發(fā)展特許經(jīng)銷商業(yè) 越來越成為發(fā)達(dá)市場 中最大困難 。 Visa或萬事達(dá)卡的 經(jīng)銷商 銀行提供了廣泛的信息網(wǎng)絡(luò) 包括了 在國內(nèi)和國際上清晰的交易。 印度國家經(jīng)理， Jaitirth Rao曾在一兩年 內(nèi) ，在印度金融服務(wù) 中 使消費者銀行的產(chǎn)品創(chuàng)新和服務(wù)的 質(zhì)量得到了很大的提高 ， 用他的觀點看 ： “ 在像我們這樣小基礎(chǔ)設(shè)施有很大的 潛力成為的重大難題的大國發(fā) 行 信用卡。 IPB專注于個性化的，保密性和可 得到的服務(wù) 取得超過 120萬個全球花旗銀行客戶的選擇。 花旗銀行非印度居民業(yè)務(wù) 的 成立 涵蓋了 沒有居住在印度的 印度客戶 。亞太部門 創(chuàng)新的貴賓理財中心的想法，和其在亞洲的客戶 很 大的比例 都 是貴賓理財中心的客戶。 花旗銀行也是在亞洲的汽車貸款的最大供應(yīng)商之一。它開發(fā) 其他的分銷渠道 ，如汽車貸款 ， 與經(jīng)銷商作為銀行的代理人，客戶 以前沒有接觸過的分支。 花旗銀行在亞太地區(qū)的使命是成為一個 高利潤并且卓越的，為日益壯大的市場提供廣泛金融服務(wù)的供應(yīng)商。作為處于外匯市場領(lǐng)導(dǎo)地位的銀行，其服務(wù)范圍非常廣泛，其中包括商業(yè)信貸、房地產(chǎn)，以及對保險公司、證券公司、投資機構(gòu)和其他銀行等金融組織的服務(wù)。此外，在最初幾年，國家管理人員 對 無擔(dān)保信貸產(chǎn)品 都過于敏感 ，如信用卡，并沒有想 到其會帶 來 巨額虧損，他們的預(yù)測似乎說明 了這一點 。在 1998 年盈余 6 970 萬美元以及 2021 年盈余 1 億美元的目標(biāo)下， 總裁 考慮通過開發(fā)新產(chǎn)品（信用卡）來增加公司的未來收益。在紐約的許多人認(rèn)為它 是 有風(fēng)險的投資。 Talwar思考著一個信用卡產(chǎn)品的優(yōu)點和缺點，以及如果 能夠提出 一個可行的 議案，他將得到總裁的充分信任以及支出 ?；ㄆ煦y行大 部分的 消費者 都 在美國，其中六分之一的美國家庭中有一個與銀行的 關(guān)系。然而，大多數(shù)亞洲國家的政府有一個旨在保護當(dāng)?shù)劂y行和限制 外國銀行的擴張法規(guī)。 ?銀行的電話 。該產(chǎn)品是針對中級專業(yè)人員， 為 他們 提供應(yīng)對 突發(fā)或緊急情況的資金準(zhǔn)備支出。 花旗銀行還通過在亞洲銀行業(yè)自 動取款機的革命。這有助于開發(fā)出幫助花旗銀行央行 與印度政府 購買外幣關(guān)系。 “ 有一個貧窮的消費者在印度尼西亞分期支付債務(wù)的歷史， 作為 我們的按揭貸款組合中的欺詐和金融部門高層次的經(jīng)驗，我不知道信 用卡 客戶將執(zhí)行 是否有 任何不同。任何銀行或金融機構(gòu)可以通過履行一定 準(zhǔn)則從而取得 這些專營權(quán)。 這樣做的目的在于 ，爭取通過 畢業(yè)設(shè)計（ 論文 ） 外文譯文 5 “ acquiring” 銀行零售商家明確自己的信用卡交易。在大部分亞太市場，美國 EXPRESS公司擁有 有 比較高級 的 特許經(jīng)銷 商。不像銀行卡，由于沒有利息的收入， 其 主要收入來源是學(xué)費和商家的折扣。s international consumer businesses, had experience managing Citibank39。s senior managers knew that they could not rely only on breakthroughs in the regulatory environment to gain increased access in the local market. Therefore, offering the most innovative and high quality products, services, and technology was critical to acquiring and retaining customers. For example, Citibank pioneered telephone banking in much of Asia. It developed alternate distribution channels for products such as automobile loans. With the dealers acting as the bank39。 its creators likened the Citigold concept to traveling in the first class cabin of an airplane. With Citigold service, customers who met the minimum average deposit requirements (this varied from country to country but was usually around $100 000) did their banking in exclusive, lavishly furnished service areas where they did not have to wait in lines for teller service. Soft music, warm 畢業(yè)設(shè)計（ 論文 ） 外文譯文 10 lighting, tastefully selected artwork, and service from immaculately groomed, more experienced representatives all served to differentiate this class of customer, access to more sophisticated products, investment advisory services, plimentary magazines subscriptions, and updates on currency trends were just some of the additional benefits bestowed upon Citigold customers. The AsiaPacific division innovated the Citigold idea, and a much larger proportion of its customers in Asia pared with its . operations were Citigold customers. Citipbone banking enabled customers to plete routine banking transactions, such as fund transfers and account balance inquiries, via phone, from the privacy of their own homes or offices, or even from mobile phones. Moreover, with Dictaphone banking, customers could access their accounts 24 hours a day, 7 days a weekend, 365 days a year. Citibank had also revolutionized