英国HSBC汇丰银行详解
汇丰银行的冷知识
汇丰银行的冷知识
1.汇丰银行在英国有一座巨大的地下金库，存放着数百亿英镑的财富。
这个金库曾经被用来存放战时珍贵的文件和文物，如莎士比亚的手稿。
2. 汇丰银行曾经是世界上最大的银行之一。
在 1990 年代，它的资产超过了 1.7 万亿美元。
3. 汇丰银行的标志是两只狮子，它们分别代表着英国和香港。
这个标志已经使用了超过一个世纪。
4. 汇丰银行的前身可以追溯到 1865 年，在香港成立的汇丰银行是当时东亚地区最早的银行之一。
5. 汇丰银行在全球拥有约 230,000 名员工，遍布 67 个国家和地区。
它是世界上最大的国际银行之一。
6. 汇丰银行曾经因为一项涉及墨西哥的洗钱丑闻而受到调查和罚款。
这个案件导致了汇丰银行 CEO 的辞职。
7. 汇丰银行在香港拥有一栋标志性的大楼，称为汇丰银行大厦。
这座建筑是世界上最昂贵的办公楼之一，成本高达 18.8 亿美元。
8. 汇丰银行在 2009 年推出了一项名为 '绿色房屋贷款' 的倡议，旨在鼓励人们购买环保型住房和采取更环保的生活方式。
9. 汇丰银行是英国皇室的银行家之一，曾多次为皇室提供金融服务。
10. 汇丰银行在 2015 年宣布裁员 3 万人，以缩减开支和提高效率。
这是银行历史上最大规模的裁员计划之一。
案例7—汇丰银行
汇丰银行汇丰银行（HSBC)作为“全世界的本土化银行”(word’s local bank)而为人们熟知。
汇丰银行的前身是成立于1865年的香港上海汇丰银行有限公司（Hong Kong & Shanghai Banking Corporation），为不断增长的中英贸易提供金融服务。
现在，汇丰银行已经是一个在世界82个国家建立有10 000个分支，为1亿顾客提供服务的世界第二大银行。
公司架构是按照产品线（包括个人理财，消费信贷，商业银行，法人投资银行，私募银行）和地区细分(亚太区，欧洲区，北美区，南美区，中东区)建立的。
即使业务遍布82个不同的国家，它仍然努力在每一个地区保持一种本土化的意识和知识。
汇丰银行的基本的经营战略就是贴近顾客。
就像汇丰银行总裁约翰·邦德（John Bond）先生在2003年11月说的：“我们作为‘全世界的本本土化银行’，使我们能够在每一个国家把本土化的知识与世界范围的操作平台独创性地结合起来。
”我们可以看一下汇丰银行在纽约市的本土化营销效果。
为了给见惯了各种促销的纽约人证明这个以伦敦为基础的金融巨头是“全世界的本土化银行”，汇丰银行举办了一次“纽约市最博学的出租车司机”的竞赛，获胜者可以在当年为汇丰银行做全职司机。
同时，汇丰银行的顾客也是赢家。
每位持有汇丰银行卡、支票簿或银行对账单的顾客都能得到免费搭乘一次印有汇丰银行品牌的出租车。
这次活动显示了汇丰银行的本土化知识。
“为了使纽约人相信你是本土化的，你必须本土化地运作。
”Penegade营销集团首席执行官德鲁·尼萨(Drew Neisser)说道。
在香港，汇丰银行发起了另一个不同的运动。
在这个地区遭受SARS沉重打击的时候，汇丰银行发出了一项旨在重振当地经济活力的计划。
对于在那些受SARS影响最严重的行业(影院、酒店、旅馆和旅行社)从业的顾客，汇丰银行提出了“利息再投资方案”。
这个方案减轻了它的顾客的财政负担。
HSBCInterview-汇丰银行面试问题资料讲解
HSBC I n t e r v i e w - 汇丰银行面试问题36 Behavior questi onsWhy do you want to work for the positi on?1.Say you spoke to __________ , who ' s in this positionhovecperienee2. Why do you want to work for the company?3. What differe ntiate you from other can didate?4. Tell me about yourself: Tell your life stories in 3 mi ns, more laid backWalk me through your resume: more formal, pick top experie ncesTips: Prep for the two vers ions5. Tell me what you enjoy the most about your school experie nee.Tips: talk about academic, extracurricular activities and professi onal developme nt6. Favourite course and least favourite course7. 5-10 YEAR Career GOAL8. How would work ing for our compa ny help you achieve your long term goal?9. Hobbies outside class?Tips: Not just any hobbies. Try to tie the hobbies into the positionIf it is an analytical role that requires market knowledge, say you spent 3 hours a day to follow the n ewsIf its people type of role, say football experienee, and tie it back to the position, say you learned to work with ppl through football, you are used to work with people, its part of you. So you want this role.10. Tell me about your previous work experie nee?11. Tell me about the skills you have acquired through your eduction, employment and other activities that you believe will help you in this job at our job?Tips: Break down to academic experienee including CFA, your work and extracurricular experie nces12. Do you like working with others or working along.Tips: Say both depe nding on the n ature of the work. Experie need work ing in depe nden tly and working with a team in your role as a student ambassador for TMX( Work solo at U of T, work collaboratively with other ambassadors from other schools)13. Major accomplishme nt to date?14. Why do you thi nk you will be the most successful can didate at this role.Tips: “ read job descripti on, see your compa ny is look ing for people with skill 1, skill 2, skill 3 ” . Then elaborate the 3 skills you have that match with the job description.15. Do you work well un der stress?16. . If some one you worked with was un able to carry out their resp on sibilities, would you assist them and how would you go about it?17. Tell me a time when you came up with a creative idea18. Talk about your best project19. Tell me about a time you displayed leadership20. Tell me about a time when you had to deal with an unsatisfied coworkers/ boss?21. There are times when we are faced with problems. Describe a time when you had to deal witha small problem before it became a huge problem.22. Describe a time where you failed in one of your job assignments23. Give me an example of how you suggested an idea to your boss and how you sold the idea to him.24. What was your best writte n achieveme nt? How do you do research for the writte n piec??25. ? describe a prese ntatio n you had to do26. When taking high risks, sometimes it is possible to have a failure. Have you taken a high risk, which has later worked fine, but initially you have questioned yourself whether it was worth to take the risk? /How you convince, what strategy you use to convince team to choose your soluti ons.27. tell me about a time whe n you proposed improveme nts to the compa ny (or your boss)28. .tell me about a new tran siti on that you had to me make and how you adjusted29. . 5 stre ngths & 3 weak ness30. success story about dem on strati ng tech ni cal skillsTell me a time whe n had to com muni cate someth ing tech ni cal to some one with a non-tech ni cal backgro und, in writ ing31. how have you dealt with a situati on that was bound to fail32. Has anyone ever asked you or put you into a situati on where your ethical decisi on making is jeopardized? How have you dealt with it? How did you han dle difficult people at workplace33. Why choose the finance major?34. . Tell me about time you gave idea to ano ther person?Coachi ng/ show ing compassi on / Use your kno wledge to help some one/ Ask the right questi on /give a suggestio n/helped some one?35. What was a situatio n where you failed to achieve your stated goal?/ Work below expectati on.36. Do you make your opinions known whe n you disagree with the views of your supervisor?。
汇丰私人银行介绍
汇丰私人银行介绍汇丰集团是由香港上海汇丰银行经多年扩展而成，总部设于伦敦，于1865年3月3日成立，是全球规模最大的银行及金融机构之一。
下面是店铺带来关于汇丰私人银行的内容，希望能让大家有所收获!汇丰私人银行介绍汇丰银行由苏格兰人托玛斯·萨瑟兰德(Thomas Sutherland)于1864年在香港发起，资本500万港元。
最初的担任发起委员会成员的包括宝顺洋行(Messrs Dent & Co委员会主席)、琼记洋行(Messrs Aug Heard & Co)、沙逊洋行(Messrs Sassoon Sons & Co)、大英轮船(The Peninsular & Oriental Steam)、禅臣(Messrs Siemssen & Co)、太平洋行(Gilman & Co)、顺章洋行(Messr P Cama Co)等十家洋行。
1865年3月3日正式在香港创立。
香港上海汇丰银行开业后的一个月，在上海的分行开始营业。
汇丰银行通过以先进科技联接的国际网络，以及快速发展的电子商务能力，汇丰提供广泛的银行及金融服务：个人金融服务、工商业务、企业银行、投资银行及资本市场、私人银行、财富管理、以及其它业务。
汇丰银行以“从本地到全球，满足您的银行业务需求”为其独有的特色。
2008年度世界500强第20位，收入1465亿美元，净利润191.33亿美元。
汇丰私人银行的主要构成香港上海汇丰银行有限公司-汇丰集团创始成员，前称香港上海汇理银行，总部一直设于香港。
现时香港上海汇丰银行及各附属公司主要在亚太地区地区设有分行及办事处。
°中东汇丰银行有限公司-前称中东英格兰银行，1940年代开始在中东地区开设分行，1959年被香港上海汇丰银行收购。
恒生银行有限公司-香港上海汇丰银行于1965年收购恒生银行51%股权，后来增至62.14%。
Laiki Bank-前称The Cyprus Popular Bank Limited，于塞浦路斯的利马索尔创立，1971年被香港上海汇丰银行收购。
誉满全球的国际老牌银行-汇丰银行...
誉满全球的国际老牌银行-汇丰银行（The world famousinternational brand - HSBC bank）The world famous international brand - HSBC bankHongkong and Shanghai Banking Corporation Limited, in order to provide financing and settlement services to engage in trade with China company established in Hongkong in 1864. Opened in 1865, established the first branch in Shanghai in the same year, and then set up branches in Tianjin, Beijing, Hankou, Chongqing and other places.brief introductionThe full name for the British HSBC, is a world famous international old bank, its branches all over the world, including Chinese. Headquartered in London, belonging to the HSBC group. The HSBC Group has approximately 10000 offices in Europe, Asia, America, Middle East and Africa, 82 countries and regions. HSBC is listed on the London, Hongkong, New York, Paris and Bermuda stock exchange, global shareholders about 200000, distributed in more than 100 countries and regions. By connecting with advanced technology of international network and the rapid development of electronic commerce, HSBC provides banking and financial services are: personal financial services; business; corporate banking, investment banking and capital markets; private banking and other business.Chinese backgroundHongkong and Shanghai Banking Corporation Limited (The HongKong and Shanghai Banking Corporation Limited), founded in 1865 in Hongkong and Shanghai. HSBC is a founding member of the HSBC Group and its flagship in the Asia Pacific region, the Hongkong Special Administrative Region is also the largest locally incorporated banks and issuing banks of three. The first objective is for the bank to set up in East Asia (especially Chinese) of the British businessmen to provide financing services, so HSBC established that set up offices in London, and in June 1865 in Shanghai set up a branch Chinese. Subsequently, HSBC has in Tianjin, Beijing, China Hankou, Chongqing, Fuzhou, Ningbo, Shantou, Xiamen, Zhifu, Jiujiang, Macao, Haikou, Takao (Kaohsiung) and other places to set up a branch, the first British bank and in 1866 in Japan, 1880 in New York, 1888 in Thailand set up in the local. In Philippines, Singapore, Sri Lanka, India, Malaysia and other places also has a branch of HSBC. At the beginning of the twentieth Century, HSBC has established a China and Far East region as the center of the branch network has a considerable scale.Brief introduction.HSBC headquarters in HongkongHSBC is to provide financing and settlement services to engage in trade with China company established in Hongkong in 1864. Opened in 1865, established the first branch in Shanghai in the same year, and then set up branches in Tianjin, Beijing, Hankou, Chongqing and other places.HSBC in the old China main business of international exchange, issuing notes, deposit and loan business, handling and give theright Chinese government debt, manager China tariff and business tax.HSBC in the Asia Pacific region in more than 20 countries and regions with more than 600 branches and offices in 8 countries in the Asia Pacific region and set up 23 branches and representative offices. HSBC and its affiliated financial company employs 36350 people, of which 24870 were HSBC employees.HSBC since 1865 opened in Shanghai, the mainland has never stopped,Especially good at trade financing. Since April 2002, HSBC began to offer foreign currency services to domestic residents, is the first approved to operate the business of foreign banks. At present, HSBC has 9 branches in the mainland China, located in Shanghai, Beijing, Dalian, Guangzhou, Qingdao, Shenzhen, Tianjin, Wuhan and Xiamen, is the largest foreign banks in Chinese branch. HSBC in Chinese general representative office in Shanghai, the other a representative office in Chengdu and Chongqing. HSBC has more than 700 employees in China, more than 92% of them in the local recruitment.Hongkong HSBC HSBC, is Hongkong's largest commercial bank, but also Asia outside of Japan's largest commercial bank, one of the world's largest multinational banks. In 1995 the bank's assets of $344 billion, ranking thirty-first in the world bank, the deposit amount of $81 billion 837 million, capital and reserves of billions of dollars, a capital ratio of 9.4%, the total capital ratio was 14.5%, (1995 June) hired 100000employees, the head office in Hongkong.HSBC was established in Hongkong in 1864 to provide financing services and Chinese trade company. Opened in 1865, established a branch in Shanghai in the same year, and set up branches in Tianjin, Beijing, Hankou, Chongqing and other places. In the UK people more precisely the Scots established. It is the capital of economic aggression in old China and control of the old Chinese financial market institutions issued paper money in Chinese, monopoly of foreign exchange market. Get off after 1911, salt tax savings and loans to China's leading power, Imperial Bank Group, providing aggressive political loans and railway and mining economy borrowing. After the liberation, the China branch in Shanghai branch of foreign exchange business by the government to allow China, the other has closed. HSBC in the first in its establishment in stepping up overseas activities. In 1866 the bank established the first branch in Japan, and the first run banks in Thailand. In 1880 the bank was founded in New York, the first British bank. Nineteenth Century, twentieth Century, HSBC in Philippines, Singapore, Sri Lanka, India and Malaysia have set up more lines. In the meantime, the bank is also in London, Leon, Hamburg and other places to set up branches. In the United States, France and Germany, HSBC has been operating in the long Bank of england.Logo InterpretationHexagonal logo HSBC Hexagon, central two red triangle angle relative, which is shaped like an hourglass, a symbol of wealth accumulation; both sides have a sharp red triangle, pointing to the left and right sides, a symbol of business expansion.The origin of historyAfter the Opium War, China portal was opened, the Western powers to expand economic interests in china. Soon, the establishment of the Royal Bank of Mumbai Chinese in India of a group of British businessmen, trying to control the Far East market, which engaged in trade with China in Hongkong, protagonist of discontent. In order to compete with the Royal Bank of China, they decided to set up the bank, the British leader is Hongkong steamship company supervisors Su Shilan. After six months of preparation, the HongKong Shanghai Bank Corporation in 1865 (Tongzhi four years) on March officially opened its headquarters in Hongkong, Queens Road No. 1 wardley building, first manager for French Klebsiella shuttle.For second years, was renamed the Bank of Shanghai Hongkong, Hongkong Chinese call it HSBC. In 1881, Zeng Jize for the bank bill inscription, including "HSBC". Since then, the Qing government and the society are called HSBC.HSBC Shanghai branch and head office set up in the same year, due to British interests in China concentrated in the Yangtze River Basin, Shanghai branch has become China HSBC business hub in China, with each branch of the command authority, turnover far beyond Hongkong head office.The first Shanghai Branch Manager (Taipan) is the Scottish Mcclain, visit the site located in Nanjing the Bund road. In 1874, HSBC in the Bund customs by building a 3 storey building as a new, brick structure, exquisite carving, in the year ofthe Huangpu River are numbered. 40 years later, the the Bund high-rise buildings standing side by side, HSBC and build a new building, inferior by comparison, founded in May 5, 1921. In June 23, 1923, HSBC was inaugurated, Chinese and foreign people to celebrate, this is recognized as the Bund's most striking building. 10 years later, a new building HSBC headquarters in Hongkong, on the use of local granite, more modern style, delivered in October 1935.After the outbreak of the Pacific War, the Japanese in the occupied area over the HSBC branch, most of its businesses were forced to stop, the situation is very embarrassing. In January 13, 1943, the Privy Council ordered the HSBC headquarters moved to set up in London, at the beginning of the same year, the new manager Morse decided to open a branch in Chongqing, mainly to the British government's military officials to open account.Japan surrendered in 1945, HSBC quickly resumed full head office moved back to Hongkong, 1946. In March 1947, HSBC branches all over the world business almost all of the industry, after 1 years of business institutions increased to 46.With the change of political situation in China, HSBC business in China have been shrinking, the liberation of the mainland, HSBC branch only Shanghai, Beijing, Tianjin and Shantou. 1954 Shantou, Tianjin branch of Beijing branch business closed, 1955. In April of the same year, HSBC in the mainland property including the Shanghai branch building to Chinese government, Shanghai branch to continue operating on rental housing for workers in Old Summer Palace road address, Shanghai branch to narrow the scope of business.History and evolutionNotes issued in 1907HSBC (HSBC, Hongkong&ShanghaiBankingCorporation) was founded in Hongkong in 1864, March 3, 1865 officially opened, founder of Scottish Thomas Su Zelan (Thomas Sutherland) and some other mainly engaged in trade with China Merchants in Shanghai set up a branch in June 1865 Chinese.HSBC in 1866 in Japan, 1880 in New York, 1888 in Thailand established the first UK local banks.In 1959, HSBC acquired in 1889, the Arabia region's largest foreign banks, the British Bank of the Middle East (The British Bankof theMiddleEast), the HSBC bank network extended to the Middle East, especially in the United Arab Emirates, Saudi Arabia and Iran.In 1959, HSBC bought India's oldest bank, founded in 1854 in Mumbai India Commercial Bank (The Mercantile Bank of India)In 1965, HSBC acquired the second largest bank in Hongkong, the Hang Seng Bank (Hang Seng Bank) 61.5% of the shares.The 1980 acquisition of the seventeenth largest commercial bank - the Bank of Haifeng (MarineMidland Bank, Inc.) 51% of the shares, and in July 1987 to HK $5 billion acquisition of the remaining shares of the bank.In 1983, HSBC acquired the U.S. Treasury bonds. Mccann Carroll primary dealer pedicle and McKinsey (CarrollMcEntee&McGinley) 51% of the shares.In 1987, HSBC bought four British clearing bank shares of Midland Bank in 14.9%, and in June 1992 acquired the line more than 50% of the shares, this is the pinnacle of the HSBC Group expansion activities, is also the largest ever bank acquisitions.HSBC was founded in Malaysia in 1994, it was first registered in Malaysia foreign banks.In 1995 WellsFargo&Co. and HSBC in California was Wells Fargo HSBC Trade Bank, provide trade financing and international banking services to two corporate customers. In HSBC through mergers and acquisitions, rapid development has become a global financial institutions, overseas branches, HSBC has made great development. At present, HSBC has been in the world more than 70 countries and regions (including 45 for emerging markets) opened about 3000 branches, of which about 600 more than in asia.HSBC honorsHSBC services has been widely recognized, including awards:"Asian financial" Chinese best foreign bank"Assets" best fund management bank China"GlobalFinance" best private bank"Banker" Asia and the best bank in Western Europe"European currencies" named "best foreign bank China" (for 4 years)The operating principleThe HSBC group with the five basic principles of operation: Maintain excellent customer serviceOperating efficiency, benefitStrong capital and liquidityPrudent lending policyStrict control of expensesGroup of loyal employees, the implementation of the above principles, while strengthening the establishment of long-term relationship with customers, employees and promote international cooperation.Sense of worth1, the company under the highest standards of personal integrity with everyone2, maintain the fact that even bargain3, encourage hands-on management style4, pay attention to quality and practice ability, establish a good image of the public praise5, eliminate bureaucracy6, to rapidly develop and implement decisions7, team interests, personal interests for the light8, appropriate delegation of authority over the required to bear the responsibilities9, the principle of objectivity, fair treatment of employees10, to choose the principle of recruitment, selection and promotion of employees, the diversified team11, the business area with all regulations and the provisions of the spirit12, actively fulfill the social responsibility of the enterprise, including a detailed assessment of the loan and investment plan, the promotion of good environmental practice and sustainable development, to contribute to the welfare and development of people everywhere.HSBC in ChinaHSBC President Long DeanHSBC (China) Co. Ltd. was officially opened in April 2, 2007, headquartered in Shanghai, Hongkong and Shanghai Banking Corporation Limited is a wholly-owned foreign bank, its predecessor is China mainland branch of Hongkong and Shanghai Banking Corporation Limited.Hongkong and Shanghai Banking Corporation Limited 143 years uninterrupted service in the mainland, is one of the largest investment in foreign banks in mainland China, the total investment in the mainland Chinese financial institutions and their development has more than $5 billion, including a 19% stake in Bank of communications, a 16.80% stake in Ping An insurance, and an 8% stake in Bank of Shanghai. Hongkong and Shanghai Banking Corporation Limited has a branch in Shanghai, engaged in the wholesale business of foreign exchange.At present, China HSBC has a total of 75 outlets, including 18 branches in Beijing, Chengdu, Chongqing, Changsha, Dalian, Dongguan, Guangzhou, Hangzhou, Qingdao, Shanghai, Shenyang, Shenzhen, Suzhou, Tianjin, Wuhan, Xiamen, Xi'an and Zhengzhou; and 57 sub branches in Beijing, Chengdu, Chongqing, Dalian, Guangzhou, Hangzhou, Qingdao, Shanghai, Shenzhen, Suzhou, Tianjin, Wuhan, Xiamen and Xi'an.The leading one of the largest networks of foreign banks in the mainland. Blend of international experience and in-depth understanding of the local market, HSBC China unique advantages, providing a wide range of banking and financial services forthe public service.social responsibilityHSBC China main corporate social responsibility activities include:HSBC since 2006 and the Tongji University Institute of environment and sustainable development of the United Nations Environment Programme of cooperation, the establishment of "environment and sustainable development of the future leaders of the seminar". In April 2007, the State Environmental Protection Administration and education center to join HSBC and Tongji, the three parties jointly held third "environment and sustainable development of the future leaders seminar", created three party cooperation of government, universities, enterprises, the new model teamed up to promote environmental protection and sustainable development. Provides a platform for two times a year, each time for three days of training classes, so that local government officials and international well-known environmental experts China forefront of environmental protection, environmental protection and the sharing of best practices.Actively support the Shanghai municipal government of the city green action, the adoption of the 20000 square metres of green city, support environment construction, and the adoption of Shanghai Baoshan District Forest Park gun Taiwan wetland along Yangtze River within the 10000 square meters of wetland.For HSBC group spent $one hundred million to carry out five yearplan "HSBC Climate Partnership" to provide local support and help to solve the urgent threat of global climate change.Tsinghua University School of economics and management support for a period of three years of "China rural financial development research project", to support the new rural construction of China. In 2006 and 2007, more than 50 HSBC employees Chinese volunteers and teachers and students together, deeply in many provinces in rural areas, to assist in the collection of local financial needs first-hand information.In cooperation with the State Department's "China development research foundation, carry out the" project "nutrition of poor children in rural". HSBC is the main sponsor of the project unit. This project aims to provide suggestions for the formulation of relevant policies, improve government decision-making and execution efficiency, finally establish the guarantee mechanism of children's nutrition policy based on government.The long-term sponsorship held at Fudan University, "Fudan - HSBC Economic Forum" held at the Peking University and Peking University HSBC "Economic Forum", is committed to promoting international exchange economics, support the mainland education.Full participation in the 2007 Special Olympics World Summer Games held in Shanghai, sponsored by the "special issue", issued in all of the city's primary and secondary schools. In addition, there are nearly 300 HSBC Chinese colleagues as Special Olympics volunteer.。
英格兰银行简介
的特许。汇丰虽然是家英资银行，但在近代中国有着相 当大的影响，尤其是旧中国相当多的对外借款是通过汇
丰银行来操作的，可以说书写中国的金融史是无法绕开 汇丰银行的．
▪
1949年，大陆经历政治变更，汇丰银行经历了一
次很大的挫折，绝大多数网点被迫关闭，只剩下上海一
个代表处。但是，汇丰银行因此不得不深耕香港市场．
截止今天，汇丰集团是全球管理资产最大规模 的金融机构，管理着超过18，600亿美元的资产， 同时在伦敦、香港、巴黎、百慕大上市，并通过 ADR在美国证券市场交易。汇丰在82个国家设有 大约10，000个分支机构，拥有大约316，000员 工，服务于125，000，000客户，它的200，000 股东亦来自于100多个国家，是家名副其实的全球 性银行。可以说，汇丰眼中的竞争对手只有一个， 即同样作为全球性银行的老牌银行Citibank。当然， 两个银行各有千秋，花旗在高端理财（尤其是信用 卡方面）有着领先优势，而汇丰在贸易服务方面有 着难以匹敌的地位
万美元，折合人民币3.639亿元。
▪ 2005年8月18日，汇丰银行在内地首家卓越理财支行在上海开张。
卓越理财是汇丰在个人财富管理方面的全球品牌，为客户提供全 球范围的专属银行服务。9月27日，汇丰银行在华南地区的首家 卓越理财支行在广州开业。
2005年12月，汇丰获批成为银行间外汇市场做市商，在中国银 行(3.62,-0.02,-0.55%)间外汇市场人民币与外币交易中履行做市 义务，成为国家外汇管理局批准的首批人民币做市商。
二、汇丰银行－历史与演变
▪ 汇丰银行（HSBC，Hongkong & Shanghai Banking
Corporation）于1864年在香港成立，1865年3月3日正 式营业，创办人是苏格兰人托马斯.苏泽兰（Thomas Sutherland）及其他一些主要从事对华贸易的商人
HSBC Interview - 汇丰银行面试问题资料讲解
H S B C I n t e r v i e w-汇丰银行面试问题36 Behavior questions1.Why do you want to work for the position?Tips: -Say it fits your skillsets: analytical, problem solving, great communicator-Say you spoke to______, who’s in this position, loved his experience2.Why do you want to work for the company?3.What differentiate you from other candidate?4. Tell me about yourself: Tell your life stories in 3 mins, more laid backWalk me through your resume: more formal, pick top experiencesTips: Prep for the two versions5. Tell me what you enjoy the most about your school experience.Tips: talk about academic, extracurricular activities and professional development6. Favourite course and least favourite course7. 5-10 YEAR Career GOAL8. How would working for our company help you achieve your long term goal?9. Hobbies outside class?Tips: Not just any hobbies. Try to tie the hobbies into the positionIf it is an analytical role that requires market knowledge, say you spent 3 hours a day to follow the newsIf its people type of role, say football experience, and tie it back to the position, say you learned to work with ppl through football, you are used to work with people, its part of you. So you want this role.10. Tell me about your previous work experience?11. Tell me about the skills you have acquired through your eduction, employment and other activities that you believe will help you in this job at our job?Tips: Break down to academic experience including CFA, your work and extracurricular experiences12. Do you like working with others or working along.Tips: Say both depending on the nature of the work. Experienced working independently and working with a team in your role as a student ambassador for TMX( Work solo at U of T, work collaboratively with other ambassadors from other schools)13. Major accomplishment to date?14. Why do you think you will be the most successful candidate at this role.Tips: “ read job description, see your company is looking for people with skill 1, skill 2, skill 3”. Then elaborate the 3 skills you have that match with the job description.15. Do you work well under stress?16. . If someone you worked with was unable to carry out their responsibilities, would you assist them and how would you go about it?17. Tell me a time when you came up with a creative idea18.Talk about your best project19. Tell me about a time you displayed leadership20. Tell me about a time when you had to deal with an unsatisfied coworkers/ boss?21. There are times when we are faced with problems. Describe a time when you had to deal with a small problem before it became a huge problem.22. Describe a time where you failed in one of your job assignments23. Give me an example of how you suggested an idea to your boss and how you sold the idea to him.24. What was your best written achievement? How do you do research for the written piece? 25. describe a presentation you had to do26. When taking high risks, sometimes it is possible to have a failure. Have you taken a high risk, which has later worked fine, but initially you have questioned yourself whether it was worth to take the risk? /How you convince, what strategy you use to convince team to choose your solutions.27. tell me about a time when you proposed improvements to the company (or your boss)28. .tell me about a new transition that you had to me make and how you adjusted29. . 5 strengths & 3 weakness30. success story about demonstrating technical skills. Tell me a time when had to communicate something technical to someone with a non-technical background, in writing31. how have you dealt with a situation that was bound to fail32. Has anyone ever asked you or put you into a situation where your ethical decision making is jeopardized? How have you dealt with it? How did you handle difficult people at workplace33. Why choose the finance major?34. . Tell me about time you gave idea to another person? Coaching/ showing compassion / Use your knowledge to help someone/ Ask the right question/give a suggestion/helped someone?35. What was a situation where you failed to achieve your stated goal?/ Work below expectation.36. Do you make your opinions known when you disagree with the views of your supervisor?。
HSBC汇丰银行详细介绍
Who is HSBC?We are the world's local bank.Headquartered in London, HSBC is one of the largest banking and financial services organisations in the world. HSBC's international network comprises around 9,500 offices in 85 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa.With listings on the London, Hong Kong, New York, Paris and Bermuda stock exchanges, shares in HSBC Holdings plc are held by around 200,000 shareholders in some 100 countries and territories. The shares are traded on the New York Stock Exchange in the form of American Depositary Receipts.Through an international network linked by advanced technology, including a rapidly growing e-commerce capability, HSBC provides a comprehensive range of financial services: personal financial services; commercial banking; corporate, investment banking and markets; private banking; and other activities.Business principles and valuesThe HSBC corporate character defines the values and principles inherent in all our everyday dealings.Group HistoryThe HSBC Group has an international pedigree which is unique. Many of its principal companies opened for business over a century ago and they have a history which is rich in variety and achievement. The HSBCGroup is named after its founding member, The Hongkong and Shanghai Banking Corporation Limited, which was established in 1865 to finance the growing trade between China and Europe.The Board of Directors of HSBC Holdings plcS K Green, Group ChairmanAge 59. An executive Director since 1998; Group Chief Executive from 2003 to May 2006. Joined HSBC in 1982. Chairman of HSBC Bank plc, HSBC North America Holdings Inc. and HSBC Private Banking Holdings (Suisse) SA. A Director of HSBC France and The Hongkong and Shanghai Banking Corporation Limited. Group Treasurer from 1992 to 1998. Executive Director, Corporate, Investment Banking and Markets from 1998 to 2003. Chairman of The British Bankers' Association.M F Geoghegan, CBE, Group Chief ExecutiveAge 54. An executive Director since 2004. Joined HSBC in 1973. Chairman of the Group Management Board.Chairman of HSBC Bank USA, N.A., HSBC USA Inc. and HSBC Bank Canada. Deputy Chairman of HSBC Bank plc. A Director of The Hongkong and Shanghai Banking Corporation Limited, HSBC France, HSBC North America Holdings Inc. and HSBC National Bank USA. President of HSBC Bank Brasil S.A.-Banco Múltiplo from 1997 to 2003 andresponsible for all of HSBC's business throughout South America from 2000 to 2003. Chief Executive of HSBC Bank plc from 2004 to March 2006.A non-executive Director and Chairman of Young Enterprise.S A CatzAge 46. A non-executive Director since 1 May 2008. President and Chief Financial Officer of Oracle Corporation. Managing Director of Donaldson, Lufkin & Jenrette from 1997 to 1999. Joined Oracle in 1999 and appointed to the Board of Directors in 2001.V H C Cheng, OBE, Chairman of The Hongkong and Shanghai Banking Corporation LimitedAge 59. An executive Director since 1 February 2008. Chairman of HSBC Bank (China) Company Limited and HSBC Investments (Hong Kong) Limited and a Director of HSBC Bank Australia Limited. Joined HSBC in 1978. Appointed a Group General Manager in 1995 and a Group Managing Director in 2005. A Director of Great Eagle Holdings Limited and a Member of the Exchange Fund Advisory Committee of the Hong Kong Monetary Authority. Vice Chairman of the China Banking Association from 10 December 2007. Appointed a member of the 11th Chinese People's Political ConsultativeConference ('CPPCC') and a senior advisor to the 11th Beijing Municipal Committee of the CPPCC. Deputy Chairman and Chief Executive Officer of Hang Seng Bank Limited from 1998 to 2005. A Director of Swire Pacific Limited from 2005 to January 2008.J D CoombeAge 63. Chairman of Hogg Robinson plc. A non-executive Director since 2005. A member of the Group Audit Committee and of the Remuneration Committee. A non-executive Director of Home Retail Group plc. A trustee of the Royal Academy Trust. Former executive Director and Chief Financial Officer of GlaxoSmithKline plc and a former member of the Supervisory Board of Siemens AG. A former Chairman of The Hundred Group of Finance Directors and a former member of the Accounting Standards Board.J L D uránAge 43. Chief Executive of Carrefour SA and Chairman of its Management Board of Directors. A non-executive Director since 1 January 2008. Joined Carrefour SA in 1991. Chief Financial Officer and Managing Director, Organisation and Systems of Carrefour SA from 2001 to 2005.R A FairheadAge 46. Chief Executive Officer and Director of the Financial Times Group Limited and a Director of Pearson plc. Chairman of Interactive Data Corporation. A non-executive Director since 2004. Chairman of the Group Audit Committee. A non-executive Director of The Economist Newspaper Limited. Finance Director of Pearson plc from 2002 to June 2006. Former Executive Vice President, Strategy and Group Control of Imperial Chemical Industries plc.D J Flint, CBE, Group Finance DirectorAge 52. Joined HSBC as an executive Director in 1995. Non-executive Chairman of HSBC Finance Corporation. A non-executive Director of BPp.l.c. and a member of the Consultative Committee of the Large Business Advisory Board of HM Revenue & Customs. Chaired the Financial Reporting Council's review of the Turnbull Guidance on Internal Control. Served on the Accounting Standards Board and the Standards Advisory Council of the International Accounting Standards Board from 2001 to 2004. A former partner in KPMG.A A Flockhart, CBEAge 56. Chief Executive Officer of The Hongkong and ShanghaiBanking Corporation Limited and Global Head of Commercial Banking. An executive Director since 1 May 2008. Joined HSBC in 1974. A Director of Hang Seng Limited, HSBC Bank Australia Limited, HSBC Bank (China) Company Limited, and Chairman of HSBC Bank Malaysia Berhad. Managing Director of The Saudi British Bank from 1997 to 1999 and SeniorExecutive Vice-President, Commercial Banking, HSBC USA, N.A. from 1999to 2002. Chief Executive Officer, Mexico from 2002 to October 2006. President and Group Managing Director Latin America and the Caribbean from October 2006 to 20 July 2007. Appointed a Group General Manager in 2002 and a Group Managing Director in 2006.*W K L Fung, OBEAge 59. Group Managing Director of Li & Fung Limited. A non-executive Director since 1998. A member of the Corporate Sustainability Committee. Deputy Chairman of The Hongkong and Shanghai Banking Corporation Limited.A Director of King Lun Management Limited. A non-executive Director of CLP Holdings Limited, Integrated Distribution Services Group Limited, Convenience Retail Asia Limited, Shui On Land Limited and VTech HoldingsLimited. A member of the Hong Kong Trade Development Council. A former non-executive Director of Bank of Communications Co. Ltd. Former Chairman of the Hong Kong General Chamber of Commerce, the Hong Kong Exporters' Association and the Pacific Economic Co-operation Committee.S T GulliverAge 49. Head of Global Banking and Markets and HSBC Global Asset Management. An executive Director since 1 May 2008. Joined HSBC in 1980.A Director of HSBC Bank plc, HSBC Private Banking Holdings (Suisse) SA, HSBC USA Inc. and The Hongkong and Shanghai Banking Corporation Limited.A member of the Supervisory Board of HSBC Trinkaus & Burkhardt AG. Head of Treasury and Capital Markets in Asia-Pacific from 1996 to 2002. Head of Global Banking and Markets from 2003 to May 2006. Appointed a Group General Manager in 2000 and a Group Managing Director in 2004.J W J Hughes-HallettAge 58. Chairman of John Swire & Sons Limited. A non-executive Director since 2005. A member of the Group Audit Committee and of the Nomination Committee. A non-executive Director of The Hongkong and Shanghai Banking Corporation Limited from 1999 to 2004. A non-executive Director and formerly Chairman of Cathay Pacific Airways Limited and Swire PacificLimited. A Director of China Festival 2008. A trustee of the Dulwich Picture Gallery and the Esmée F airbairn Foundation. A member of The Hong Kong Association and of the Governing Body of the School of Oriental and African Studies, University of London.W S H LaidlawAge 52. Chief Executive Officer of Centrica plc. A non-executiveDirector since 1 January 2008. A Trustee of RAFT, a medical charity for burns and reconstructive surgery. A member of the Business Council for International Understanding. President and Chief Operating Officer of Amerada Hess Corporation from 1995 to 2001. Chief Executive Officer of Enterprise Oil plc from 2001 to 2002. Executive Vice President of Chevron Corporation from 2003 to 2006, and a non-executive Director of Hanson PLC from 2003 to 24 August 2007.Sir Mark Moody-Stuart, KCMGAge 67. Chairman of Anglo American plc. A non-executive Director since 2001. Chairman of the Remuneration Committee and a member of the Corporate Sustainability Committee. A non-executive Director of Accenture Limited, Saudi Aramco, a Governor of Nuffield Hospitals and President of the Liverpool School of Tropical Medicine. Chairman of theGlobal Business Coalition on HIV/AIDS and the Global Compact Foundation.A former Director and Chairman of The ‘Shell' Transport and Trading Company, plc and former Chairman of the Committee of Managing Directors of the Royal Dutch/Shell Group of Companies.G MorganAge 62. A non-executive Director since October 2006. A member of the Remuneration Committee. Non-executive Chairman of SNC-Lavalin Group Inc.A member of the Board of Trustees of The Fraser Institute and the Energy Advisory Board of Accenture Limited. A non-executive Director of HSBC Bank Canada from 1996 to April 2006. Former founding President and Chief Executive Officer and Vice Chairman of EnCana Corporation. A former Director of Alcan Inc.N R N MurthyAge 61. A non-executive Director since 1 May 2008. Chairman and Chief Mentor and former Chief Executive Officer of Infosys Technologies Limited. An independent non-executive Director of Unilever plc and New Delhi Television Limited and a Director of the United Nations Foundation. An independent non-executive Director of DBS Bank Limited until 2 April 2008.S M Robertson Senior independent non-executive DirectorAge 67. Non-executive Chairman of Rolls-Royce Group plc and the founder member of Simon Robertson Associates LLP. A non-executive Director since January 2006 and senior independent non-executive Director since 25 May 2007. A Member of the Nomination Committee. A non-executive Director of Berry Bros. & Rudd Limited, The Economist Newspaper Limited and The Royal Opera House Covent Garden Limited. Chairman of Trustees of the Ernest Kleinwort Charitable Trust. A trustee of the Eden Project and of the Royal Opera House Endowment Fund. A former Managing Director of Goldman Sachs International. Former Chairman of Dresdner Kleinwort Benson and a former non-executive Director of Inchcape plc, Invensys plc and the London Stock Exchange.Sir Brian Williamson, CBEAge 63. Chairman of Electra Private Equity plc. A non-executive Director since 2002. Chairman of the Nomination Committee. A non-executive Director of Resolution plc. A member of the supervisory Board of Euronext NV. A Director of Climate Exchange plc. A senior adviser to Fleming Family and Partners. Former Chairman of London International Financial Futures and Options Exchange, Gerrard Group plc and ResolutionLife Group Limited. A former non-executive Director of the Financial Services Authority and of the Court of The Bank of Ireland.* Non-executive DirectorIndependent non-executive DirectorD J Shaw, Adviser to the BoardAge 61. An Adviser to the Board since 1998. Solicitor. A partner in Norton Rose from 1973 to 1998. A Director of The Bank of Bermuda Limited and HSBC Private Banking Holdings (Suisse) SA. A non-executive Director of Kowloon Development Company Limited and Shui On Land Limited.R G Barber, SecretaryAge 57. Group Company Secretary. Appointed a Group General Manager in October 2006. Joined HSBC in 1980. Company Secretary of HSBC Holdings plc since 1990. Chairman of the Disclosure Committee. A Member of the Listing Authority Advisory Committee of the Financial Services Authority and of the Primary Markets Group of the London Stock Exchange. Corporation Secretary of The Hongkong and Shanghai Banking Corporation Limited from 1986 to 1992 and Company Secretary of HSBC Bank plc from 1994 to 1996.HSBC PremierA new way of banking that provides the exclusive service, global insight and financial tools you need to explore a wealth of opportunities worldwide.A Premier bank, providing a premier experience.HSBC Premier is an individually tailored package of exclusive premier banking services that can be accessed from anywhere you choose to live or work and offers you the following benefits:● International recognition and emergency support across more than 300 international Premier centres across 40 countries and territories.● Overseas bank account opening and mortgage arrangements so that your life in a new country is up and running before you get there.● Worldwide online premier banking so that you can view all your HSBC accounts in one place● The only credit card you and your family need when travelling● Local experiences worldwide that earn you rewards and save you money● Access banking and investment specialists with both global and local knowledge who will help you make the right decision for you and your family’s future.● Offshore banking services in centres in Jersey, Dubai, Hong-Kong, Singapore and Miami.如何可晋身为汇丰卓越理财客户？●您只需维持账户总余额于人民币500,000元/等值外币或以上，即可晋身汇丰卓越理财客户行列。
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到了英国以后，由于今后包括签手机，签这个签那个，日常消费，及时取现，存钱理财，以及几乎一切和direct debit有关的都需要在本地银行开户，在英国办张银行卡的便利之处我想不必多说了，至于在哪家银行开户，怎么办，在这里我主要想说的HSBC即汇丰银行的详细说明。
（至于汇丰对于其他银行的优势有很多，这个仁者见仁了，除了什么金融500强的头号种子，什么别的银行可能倒闭但汇丰不倒等一些和我们目前生活相距甚远的大问题，比较实际的问题是比如我喜欢汇丰的办事效率，大厅一般有1个人专门负责解答你的提问，然后告诉你该怎么做，到哪里做，而其他很多银行没有这项服务，你通常都需要排很久的队(而通常你也不知道你是否排的是正确的队)，我的一个朋友为了关闭账户排了1个多小时的队，因为她首先排队说明她想要关闭账户，然后被告知你需要到那里去排队将银行卡内现金全部取出，之后她又排队取现，再之后又排队关闭账户，如果是在汇丰的话，大厅的那个咨询师会给你安排一位专门负责你关闭账户的业务人员，帮你迅速解决问题，并且汇丰还有很多便捷的地方，比如任何一家汇丰都有自助存钱机，把卡一插，钱往里一扔就ok了，不需要排队，还有的机器可以存零钱，还有等等优势，不过这个就像之前所说的那样，仁者见仁，其他银行包括TSB等也各自的优势比如TSB对于刚来英国的童鞋开普通账户是没有管理费的，而汇丰不是，具体下面会说明。
）首先先做个汇丰银行的简介，刚来到这里的童鞋可能会发现，汇丰的广告大部分都和中国或者亚洲其他国家有关，不是因为最近流行中国风，而是第一家汇丰银行就是在香港创立的，当然那时香港还是英国的殖民地，同年在上海又开办了一家分行，所以汇丰的全称是：香港上海汇丰银行有限公司，英文全称：The Hong Kong and Shanghai Banking Corporation Limited （HS代表的就是香港和上海）。
当然了，这自然不能表示汇丰银行就是中国的，当年汇丰的创始人是苏格兰人，而且那时香港也是英国殖民地。
下面就详细说一下各大账户如何开办，有什么优势，如何理财等等，注意以下所提到的开户费用等以官网为主，因为这些费率一般过几个月就一变，再有就是一般有些节日如圣诞节，汇丰有些收费账户开户会有所优惠，详细也时刻关注官网。
官网地址：https:///目录：基础篇 HSBC Passport（汇丰护照账户）Basic Bank Account（银行基础帐户）适用人群：HSBC Passport 适用于刚刚来英国的童鞋晋级篇Bank Account（汇丰标准银行帐户）Graduate Banking（学位级银行帐户）适用人群：Bank Account 适用于已经在英国居住1年半左右的童鞋Graduate Banking 适用于大学毕业2年以内的童鞋提高篇（上）HSBC Advance（汇丰高级账户）适用人群：在英生活1年以上的童鞋提高篇（下）Student Bank Account （学生银行帐户）Postgraduate Service （研究生银行帐户）适用人群：Student Bank Account 适用于目前正在读a-level并且打算读大学本科的童鞋（本科大2时就可办理）Postgraduate Service 适用于在英国本科毕业打算读研或再读个本科的童鞋展望篇HSBC Premier （汇丰卓越理财帐户）适用人群：能开户时存入5万镑以及刚来英国的童鞋理财篇Savings Accounts 定期存款部分1.Regular Saver 账户适用人群：详见篇内内容2.Fixed Rate Saver 账户适用人群：所有人Savings Accounts 活期存款部分1. Flexible Saver （活期存款账户）适用人群：所有人2. Online Bonus Saver （在线红利存款账户）适用人群：在英生活3年以上3. 其他存款账户4. 其他投资品种信用卡篇其他篇一些开户时的重要事项以及利率词缀的说明基础篇HSBC Passport（汇丰护照账户）这类账户是刚刚来英国的童鞋最早可以开办的账户之一，这种账户也是专门为留学生所准备的。
你所要具备以及需要达到的条件是：条件：1. 最少要开办账户12个月，期满后可以每月续订，或者转变为其他账户类型，如果期满后不和银行说明希望续订还是转到哪种帐户，默认直接转变为Basic Bank Account （银行基础帐户）。
如果你是读语言课程拥有短期签证，银行也会给你开办passport 账户，你的签证到期后你可以选择注销账户。
2. 需年满16周岁。
3. 一般需要学校的证明信以及你的护照（以及里面的签证），这个证明信也不是必须的，但是通常大学都会给你一封在读证明（专门用来开户的（这也包括其他银行））。
一般除了开户外，银行会赠予一些其他小玩意，大多都是和有商业往来公司的礼品赠予：1. 10镑的手机电话卡，插到手机里就能用了，这个对刚来的童鞋十分有用，通常是Talkmobile World公司的，打中国是4p/分钟 2. 可以积分的西联汇款卡（Western Union），对于西联汇款，相信在这里呆久了的各位不会陌生，在英国有很多人很喜欢用西联汇款的方式来进行诈骗，所以提醒一句，什么时候都不要贪图小便宜，再就是如果有人建议你西联汇款，那你要小心了。
3. 提供免费red24咨询，这是一种支持汉语的国外资讯服务，包括有关签证，移民，医院等问题的咨询下面说一下此账户的最大缺点：账户费用：此帐户需要交帐户管理费，分期付款：每月8镑，前3个月每月6镑。
我在办的时候有一次性付清服务，是58镑，但不知道现在可不可以，另外在我办理的那年，他会给你一张卡片，如果你推荐朋友来开同样这个帐户的话，那开办者将会免年费（或者是现金奖励，这个记不清了），而你也会获得账户反现。
缺点说完了，下面说一下这个账户的优势以及如何理财：优势：理财：理财这一部分详细问题将在理财篇做讲解，Passport帐户可以办理汇丰汇率最高的存款帐户Regular Saver： 8% AER/gross 这种存款帐户，如果每月都定期存入250镑的话（一年内不能取出），那一年的纯利息（也就是能拿到手里的钱）为104镑（计算方法也将在理财篇陈述），所以利用这些利息足够支付这个帐户所需要交的帐户管理费了，而且还略有结余不过这里需要提醒的是如果想开Regular Saver帐户的话，需要在开Passport帐户时告诉业务员你要开这种存款帐户，或者手动在网上自己在线开户，因为这种存款帐户不是办理时自动开办的。
不过由于大部分开Passport帐户的都是留学生，刚到这里很多存款帐户不知道如何开办，所以如果你开办Passport帐户的话，银行会自动给你开办一个活期存款帐户名为：Flexible Saver（详情也见理财篇），这个存款帐户可以和Regular Saver同时存在没有问题。
另外再就是一些开办所有汇丰帐户都通用的地方：通用： 1. 开办完Passport帐户，1周后银行会给你邮寄HSBC Visa debit card （visa借记卡）（如果是passport账户，因为刚来英国还没有确定的住址，所以通常银行都是让你到他们那里取，而不是邮寄到你家里），能够方便的从ATM机取款刷卡网上购物（全无手续费）。
2. 再过几天后，银行会给你邮寄2本新的支票本（cheque book），以及你借记卡的密码（PIN）。
3. 汇丰银行卡海外ATM取现手续费为2%，从英国境内汇款到其他国家手续费为2.75%。
4. 手机银行服务，可以拨打汇丰电话进行帐户管理。
Basic Bank Account（银行基础帐户）上面曾提到过这种帐户，但是是从Passport帐户降级到这种帐户的，通常来讲这种基础帐户是不能办理的，都是降级降下来的，优缺点简单说一下，优点就是没有帐户管理费，帐户里面资金不用保持一个数值，缺点是，每天取现上限为200镑，此帐户没有利息等。
这种帐户也只适合那些很少用到银行账户的人准备的，在这里就不细说了。
晋级篇Bank Account（汇丰标准银行帐户）这种帐户是汇丰最常用最基本的帐户，如果你的Passport帐户到期了（并且有良好的信誉度（对于信誉度的问题可以看信用卡篇对于信用卡的简单描述）），建议你可以转变为此帐户类型。
你所要具备以及需要达到的条件是：条件： 1. 年满18周岁，对于留学生，一般要求在英国居住1年半左右（良好的信用），出示能证明目前居住地址的账单（如写有此地址的银行账单或者手机账单等等）。
2. 如果年满24周岁，需帐户每月都保证500镑进账，可以不保持账户所剩金额，但必须每月有500镑打入账户（你可以转入后再转出），如果没有做到的话银行会发警告信，如果还没有存入，账户会自动降级为Basic Bank Account，对于极少信用不好的，银行会关闭账户。
不过如果你未满24周岁的话，那上述这条并不适用于你，你可以不必保持每月都有500镑入账。
相对于Passport帐户，此标准帐户赠予的东西就相对基本了：赠予： 1. 部分Privacy Guard®服务使用，Privacy Guard®是一种对于你的信用记录追踪，整理，调查等基于一身的服务，如果想升级为完整版Privacy Guard®的会员还需要交额外的费用，而部分Privacy Guard®服务就足够用了，银行会根据你的消费情况，是否恶意透支等进行信用评定。
而完整版的Privacy G uard®会给你建立一套完整的信用评分体系，最低分0，最高分999，越高的积分可以让你更容易从银行借到钱（贷款）。
帐户缺点：相信不说大家也知道此帐户最大缺点就是如果你满24周岁的话，你需要每月都转入500镑，所以如果可能的话，实在那个月没有500镑那就借朋友的钱转进再转出吧缺点说完了，下面说一下这个账户的优势以及如何理财：优势：此帐户支持透支，当然因为还是发的借记卡，所以自然不会像信用卡似的你可以没完没了的将其刷爆，这里的透支是指，如果你不小心超过卡内金额多刷了几笔小钱（几镑），然后你发现后再存入，这样没有问题，但是如果你刷的超的太多，如10几镑，20几镑，这就属于恶意透支，那除了要还清本金，还需要支付几倍于本金的利息，所以千万注意不要恶意透支。
我的一个朋友就是不小心多刷了20几镑，结果银行罚了50多镑。
不过此帐户你可以申请透支金额（Overdraft Service），最多5000，最少50镑，使用此服务时间为7到12个月。
申请透支金额是指，如果你申请了可以透支100镑，那如果哪次你多刷了100镑以内那就没有问题，除了超过归还时间缴纳利息外（利息为19.9% EAR），不会算你恶意透支而罚款。