译文：正被仔细考虑的另一种方法具有'零为每笔交易或者调查使账与一项费用平衡'。这将意味着用户不必保持价值为任何余额的账，但是改为支付每份帐单的一项费用， 检查差额，ATM 收回，和在柜台交易上方。银行家扔的数目解释逻辑： 一分支交易费用银行最多在Rs 75， 一台ATM 交易费用Rs 12，电话中心在Rs 2花费Rs 10 和因特网最小。 在HDFC，银行和ICICI银行控告已经在适当的位置适合最小帐户结余没保持如果的频繁的ATM 收回。最近ICICI银行在非主人的分部为现金付款存款强加一项费用。 主人分部是用户的账被保持的特别的分部。作者及单位名称：Cayetano, Renato L刊名及卷、期数：Businessline. Chennai: Mar 10, XX. pg. 1 11、所用数据库名称：ProQuest Business –ABI/INFORM Trade & Industry检索的时间范围：All Dates论文题目(Title)：East West Bank rolls out new car financing program文摘(Abstract)：Repayment is convenient with the issuance of postdated checks, automatic debit arrangement or over-the-counter tran译文： 偿还用推迟日期的检查的发行便利， 自动借方安排或者柜台交易在东部西岸的55个性化的银行中心(PBC) 中任何人。。 作者及单位名称：Cayetano, Renato L刊名及卷、期数 12、所用数据库名称：ProQuest Business –ABI/INFORM Trade & Industry检索的时间范围：All Dates论文题目(Title)：SPECIAL FEATURE: Cashless Spending: A lifestyle card with practical uses文摘(Abstract)：Diners Club Philippines operates under the franchise of Security Diners International Corporation, a wholly owned subsidiary of Security Bank. Unlike other contenders in the market today, it offers personalized service to its clients. As its brand suggests, Diners Club provides cardholders a sense of belonging to an exclusive organization. "We have a personalized approach, unlike other card companies wherein all you are is a card number," said Ronald Bibonia, first vice president for business development of Diners Club Philippines. "We keep track of our clients almost on an individual basis."Aside from insurance, Diners Club also provides its clients an array of services and privileges. With Club Cash, for instance, cardholders can avail of up to 50% available credit line which can be accessed via the ATM or over-the-counter transactions at the Diners Club Centre, Security Bank and Pilipinas Bank branches, and select Cashlink and Bancnet ATMs. Utility bills, on the other hand, can be settled through the Club Bill Connection facility. This enables cardholders to pay electric bills, Internet subscription, phone bills and the like by just enrolling these services to their Diners Club card.More than these services, Diners Club takes pride in offering Club members free access to exclusive airport and business lounges in major cities worldwide through the Club Lounges facility. One doesn't have to be a gold cardholder or a member of the frequent buyer program of an airline to enjoy luxuries such as free buffet or the use of private toilets and bath. Club members are welcome to all these facilities by just presenting their Diners Club International card. "Other people would have to pay to have access to those lounges or maybe don't get the chance to enter," said Mr. [Patrick Carlos]. "But Diners Club members who are waiting for transitions from flight to flight can actually stay in and be comfortable." www.dxs56.com

　　译文：就餐者俱乐部菲律宾在安全就餐者多国合作的特许权，一个安全银行的全资子公司下经营。与今天的在市场的其他竞争者不同，它给它的客户提供个性化的服务。 它的品牌建议当时，就餐者俱乐部为持卡人提供一个属于一个专有的组织的感觉。 "我们让个性化接近， 与你的全部是一个卡片号码的其他卡片公司不同" ，罗纳德Bibonia，首先就餐者俱乐部菲律宾的商业发展的副总统说。 " 我们在一个个人的基础上几乎跟踪我们的客户"。 除了保险，就餐者俱乐部也为它的客户提供一系列服务和特权。有现金俱乐部，例如，持卡人能用处最多50% 可得到信贷限额， 哪个可能通过ATM 或者柜台交易在就餐者俱乐部中心事物，保安银行和Pilipinas银行树枝访问，和选择Cashlink 和Bancnet自动提款机。 效用账单，另一方面，可能被通过俱乐部议案连接设备解决。这使持卡人能够通过刚刚把这些服务登记到他们的就餐者俱乐部卡片支付电的账单，因特网订购，电话账单等等。 多于这些服务，就餐者俱乐部对提供俱乐部成员免费参与专有飞机场和生意休息室在通过俱乐部休息室设备全世界的主要城市感到自豪。 一个人不必是一黄金持卡人或者一频繁购买者享有奢侈品象免费打击或者私人洗手间和洗澡的使用那样的一航空公司的计划的成员。俱乐部成员通过刚刚为他们的就餐者俱乐部提出国际卡片可以随意所有这些设备。 " 其他人必须支付能进入那些休息室或者或许不得到进入的机会"，先生说 [帕特里克·卡洛斯 ]. " 但是正从飞行到飞行等转变的就餐者俱乐部成员实际上能呆在家里并且舒适"。 作者及单位名称：ANN KATHLEEN M. JABSON刊名及卷、期数：BusinessWorld. Manila: Mar 30, XX. pg. 1 13、所用数据库名称：ProQuest Business –ABI/INFORM Trade & Industry检索的时间范围：All Dates论文题目(Title)：New laws to boost Egyptian bond market文摘(Abstract)：The Egyptian bond market looks poised to expand, with huge increases anticipated in primary and secondary market activity, following the release of government decrees which allow investment houses and brokers to make markets and perform over-the-counter transactions. Until now, Egypt lacked a liquid secondary market, with all transactions having to take place through the stock exchange.译文：埃及债券市场看平衡扩大， 由于巨大的增加在主要和二级市场活动方面预期，继允许投资公司和经纪人做市场并且进行柜台交易的政府法令的发行之后。直到现在，埃及缺乏一液体次要市场，全部交易必须通过证券交易所发生。 作者及单位名称：Anonymous刊名及卷、期数：Emerging Markets Week. New York: Feb 28, XX. Vol. 8, Iss. 9; pg. 6, 1 pgs (14——20)篇： 14、所用数据库名称：ProQuest Business-ProQuest Asian Business检索的时间范围：All Dates论文题目(Title)：Answering the call文摘(Abstract)：For credit unions, handling phone calls is a vital part of member service - so much so that many have created whole departments that do nothing but transact business by telephone. Credit unions have created call centers for a variety of reasons, ranging from member complaints to conflicting demands on member service representatives between serving customers in person and answering calls. In addition to improved member service, routing transactions to a call center can result in significant cost savings. Studies showed that over-the-counter transactions cost between $3.50 and $4.50 each, while automated and phone transactions cost between $1 and $1.50. Executives interviewed say those considering a call center should: 1. pick the right people and give them adequate training, space and equipment, 2. pick the right phone system, 3. keep transactions secure, 4. measure results both objectively and subjectively, and 5. use marketing and pricing tools to encourage call center use.译文：对信用合作社来说，处理电话是一个成员服务的至关重要的部分 - 以致于很多已经建立除了用电话办理生意什么都没做的整个部门。 www.dxs56.com

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