信息检索课程实报告
信息检索课程实报告： 序言部分实题目：柜台交易交易模式流程学生姓名：熊炎波（01083094）分工容：制定检索策略选择检索入口词检索入口词进行修正检索选择ABI（商业信息数库）进行检索选择检索结果进行翻译编写综述检索系统：ABI（商业信息数库）数库名称：ABI（商业信息数库）具体应数库： Business –ABIINFORM Trade & Industry(第1—13篇) BusinessProQuest Asian Business（第14—20篇） 二检索策略部分： 课题分析：柜台交易交易模式流程两部分构成部分柜台交易柜台交易交易模式流程柜台交易称场外交易证券交易种方式济金融学研究种课题针课题检索应柜台交易词入手然通二次检索获关柜台交易交易模式流程关文检索系统选择：图书馆网络数库线检索系统——ABI商业信息数库数库选择：ABI商业信息数库——Multiple databases BusinessABIInform Trade&Industry BusinessProquest Asin BusinessBusiness Source Premier (BSP) 检索词分析选择：柜台交易英文中称 Over the Counter transaction 金融专业术语中常简称 OTC应 OTC Over the Counter transaction counter transaction(柜台交易) 作检索入口词（关键词）进行基检索然检索结果 model OR mode（模式） flowprocedure OR program（流程）作二次检索入口词检索式构建： SUB(Over the counter transaction) AND LA(English)SUB（model OR mode）AND SUB(flow OR procedure OR program )检索策略调整：检索入口词调整 开始始选择Over the Counter trading 作第次检索入口词调整改列入口词： Counter transaction (柜台交易)Over the Counter transaction(柜台交易) Counter transaction model(柜台交易模式)Counter transaction flow(柜台交易流程) 三 检索结果文摘翻译： 数库：ABI（商业信息数库）—— Business –ABIINFORM Trade & Industry(
第1—13篇)ABI（商业信息数库）——BusinessProQuest Asian Business（第14—20篇）检索时间范围：All dates 检索结果列出：（1——13）篇： 1数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：New pvt banks set to hike transaction fees文摘（Abstract）：Another approach that is being mulled is of ＇zero balance accounts with a fee for each transaction or enquiry＇ This would mean that the customer need not maintain any balance in the account but instead pay a charge for each account statement check on balance amount ATM withdrawal and over the counter transactionNumbers thrown by bankers explain the logic a branch transaction costs the bank the most at Rs 75 an ATM transaction costs Rs 12 the call centre costs Rs 10 and the Internet the least at Rs 2In HDFC Bank and ICICI Bank charges are already in place for frequent ATM withdrawals in case the minimum account balance is not maintained Recently ICICI Bank imposed a fee for cash deposits in nonhost branches Host branch is the particular branch in which the customer＇s account is maintained译文：正仔细考虑种方法具＇笔交易说具零衡帐户费功 意味着户必保持帐户衡改支付份帐单费 检查差额ATM 收回柜台交易方 银行家扔数目解释逻辑： 分支交易费银行Rs 75 台ATM 交易费Rs 12电话中心Rs 2花费Rs 10 特网 HDFC银行ICICI银行控告已适位置适合帐户结余没保持果频繁ATM 收回 ICICI银行非总部现金付款存款强加项费 总部户账保持特分部 刊名卷期数：Sunday BusinessBusinessline Chennai Mar 10 XX pg 1 2数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates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 overthecounter transaction at any of East West Bank＇s 55 Personalized Banking Centers (PBC)译文： 偿帐款推迟日期审查
动方安排者柜台交易东部西岸55性化银行中心(PBC) 中说显便利 刊名卷期数：BusinessWorld Manila Mar 8 XX pg 1 3数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：SEC set to release alternative trade rules文摘（Abstract）：If the SEC gets a favorable BIR ruling the alternative electronic trading system will be treated as an informal exchange and trades will only be charged a tax rate of one and onehalf percent per transaction just like in the bourse If the BIR will not consider that then securities traded electronically will be considered as an overthecounter transaction and will have to be charged a 10 capital gains tax译文： 果证交会利BIR制约 选择电子贸易系统 作次非正式交换贸易正证券交易样收费交易百分半税率 果BIR 考虑 然通电子买卖证券认次柜台交易必须收费10资收益税 作者单位名称：Leilani M Gallardo刊名卷期数：BusinessWorld Manila Dec 23 XX pg 1 4数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：Solon evaded taxes文摘（Abstract）：Sen Renato L Cayetano conducted himself unethically by acquiring his shares of stock in BW Resources Inc through ove译文： 参议员Renato L Cayetano通通柜台交易BW 资源股份限公司获股份引导unethically参议院少数派昨天说 作者单位名称：Cayetano Renato L刊名卷期数：BusinessWorld Manila Jan 16 XX pg 1 5数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates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 basisAside 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 overthecounter 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 cardMore 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] B
译文：菲律宾餐者俱乐部安全餐者国合作特许权安全银行全资子公司营 天市场竞争者客户提供性化服务作品牌建议餐者俱乐部持卡提供属专组织感觉 性化接 全部卡片号码卡片公司 罗纳德Bibonia首先餐者俱乐部菲律宾商业发展副总统说 基础踪客户 保险餐者俱乐部客户提供系列服务特权 例现金俱乐部持卡处50 信贷限额通ATM 者柜台交易餐者俱乐部中心事物保安银行Pilipinas银行分行访问选择Cashlink Bancnet动提款机 效账单 方面通俱乐部议案连接设备解决 持卡够通刚刚服务登记餐者俱乐部卡片支付电账单特网
订购电话账单等等更服务 餐者俱乐部提供俱乐部成员免费参专飞机场生意休息室通俱乐部休息室设备全世界城市感豪 必 黄金持卡者频繁购买者享奢侈品象免费击者私洗手间洗澡样航空公司计划成员 俱乐部成员通刚刚餐者俱乐部提出国际卡片意设备 必须支付进入休息室者许进入机会帕特里克·卡洛斯先生说 正飞行飞行等转变餐者俱乐部成员实际呆家里舒适作者单位名称：ANN KATHLEEN M JABSON Diners Club International (NAICS 813990)
刊名卷期数：BusinessWorld Manila Mar 30 XX pg 1 6数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：SPECIAL FEATURE eRevolution Union Bank makes mark in electronic marketplace文摘（Abstract）：PCIBank gives Smart＇s customers more choices in settling their bills they can pay via overthecounter transactions or through two modes of PCIBank FASTPay if they are PCIBank FASTeller International ATM cardholders through the automatic debit arrangement (ADA) or FASTPay which is available in over 200 of PCIBank＇s FASTeller International ATMs or almost 1000 BancNet member ATMs nationwide FASTPay via PCIBank FASTPhone another convenient bills payment mode will be available before the end of the year译文： PCIBank付账方面聪敏户更选择 通柜台交易者通PCIBank FASTPay两种方式支付 果PCIBank FASTeller 国际ATM 持卡 通动方安排(埃达) 者FASTPay超全国性PCIBankFASTeller 国际动提款机者1000台BancNet 成员动提款机中200台提供 通PCIBank FASTPhoneFASTPay种便利账单支付方式年底前 作者单位名称：Ortiz Justo刊名卷期数：BusinessWorld Manila Mar 30 XX pg 1 7
数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：BUSINESSWORLD (PHILIPPINES) Brokers in stock rigging mess deny wrongdoing (Not aware of any anomalies they said)文摘（Abstract）：On charges that it participated in overthecounter transactions Securities XX said OTC deals are not illegal but merely regulated by law It said Mr Tan opened his account with the firm in May 1997 with a safekeeping agreement or a pact with the firm that it will act as custodian of his (Mr Tan＇s) shares express orders and instructions of Mr TanBased on the complaint of the SEC filed at the Department of Justice (DoJ) last March Mr Tan and other BW officials resorted to a classic stock price manipulation technique called wash saleThe corporate watchdog presented evidence at the Justice department supposedly proving Aurora and brokerage firms PNB Securities Inc Mark Securities Belson Securities Inc and Securities XX allowed Mr Tan to skirt Philippine Stock Exchange (PSE) rules to jack up trading volume and price of BW译文： 费参加柜台交易XX述OTC 分派证券合法仅仅法律理 说 Tan 先生1997 5月公司保意者条约公司开账户 担(Tan先生) 股票保 表示Tan先生命令指示 基年3月司法部(DoJ)正式提出证交会抱怨 Tan先生BW 官员常种优秀股票价格操作技术洗销售 公司监司法部根推测证明极光提出证 纪事务PNB证券 股份限公司 马克证券 贝尔森证券股份限公司证券XX 允许先生Tan 裙子顶起成交量BW价格菲律宾证券交易(PSE) 规章 作者单位名称：Tan Dante T Juan Jimmy刊名卷期数：BusinessWorld Manila May 12 XX pg 1 8数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：Close watch on money transfer文摘（Abstract）：The move initiated by the Economic Planning and Development Department of the Ministry of Finance stipulates that all over the counter transactions to foreign countries be recorded in a special form called Form P1 as from January 1It says that under the Statistics Act Chapter 81 from Laws of Brunei Darussalam every remitter is requested to complete all the required information
译文：济计划发展起动行动 财政部规定遍外国柜台交易特殊形式记录1月1日起称作FROM P1’ 说统计面行动文莱达鲁萨兰国法律第81章位汇款请求完成全部求信息 作者单位名称：Cayetano Renato L刊名卷期数 The Borneo Bulletin Kuala Belait Jan 9 1998 pg 1 9数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：SPECIAL FEATURE Mobile Phones More efficient billing and collection services for cellphone operators文摘（Abstract）：PCIBank gives Smart＇s customers more choices in settling their bills they can pay via overthecounter transactions or through two modes of PCIBank FASTPay if they are PCIBank FASTeller International ATM cardholders through the automatic debit arrangement (ADA) or FASTPay which is available in over 200 of PCIBank＇s FASTeller International ATMs or almost 1000 BancNet member ATMs nationwide FASTPay via PCIBank FASTPhone another convenient bills payment mode will be available before the end of the year译文：PCIBank付账方面精明户更选择 通柜台交易者通PCIBank FASTPay两种方式支付 果PCIBank FASTeller 国际ATM 持卡 通动方安排(埃达) 者FASTPay超全国性PCIBankFASTeller 国际动提款机者1000台BancNet 成员动提款机中200台提供 通PCIBank FASTPhoneFASTPay种便利账单支付方式年底前 作者单位名称：Bermudez Joey A刊名卷期数 BusinessWorld Manila Dec 8 1997 pg NOPGCIT 10数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：New pvt banks set to hike transaction fees文摘（Abstract）：Another approach that is being mulled is of ＇zero balance accounts with a fee for each transaction or enquiry＇ This would mean that the customer need not maintain any balance in the account but instead pay a charge for each account statement check on balance amount ATM withdrawal and over the counter transactionNumbers thrown by bankers explain the logic a branch transaction costs the bank the most at Rs 75 an ATM transaction costs Rs 12 the call centre costs Rs 10 and the Internet the least at Rs 2In HDFC Bank and ICICI Bank charges are already in place for frequent ATM withdrawals in case the minimum account balance is not maintained Recently ICICI Bank imposed a fee for cash deposits in nonhost branches Host branch is the particular branch in which the customer＇s account is maintained
译文：正仔细考虑种方法具＇零笔交易者调查账项费衡＇ 意味着户必保持价值余额账改支付份帐单项费 检查差额ATM 收回柜台交易方 银行家扔数目解释逻辑： 分支交易费银行Rs 75 台ATM 交易费Rs 12电话中心Rs 2花费Rs 10 特网 HDFC银行ICICI银行控告已适位置适合帐户结余没保持果频繁ATM 收回 ICICI银行非分部现金付款存款强加项费 分部户账保持特分部作者单位名称：Cayetano Renato L刊名卷期数：Businessline Chennai Mar 10 XX pg 1 11数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates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 overthecounter tran译文： 偿推迟日期检查发行便利 动方安排者柜台交易东部西岸55性化银行中心(PBC) 中 作者单位名称：Cayetano Renato L刊名卷期数 12数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates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 basisAside 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 overthecounter 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 cardMore 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
译文： 餐者俱乐部菲律宾安全餐者国合作特许权安全银行全资子公司营 天市场竞争者客户提供性化服务 品牌建议时餐者俱乐部持卡提供属专组织感觉 性化接 全部卡片号码卡片公司 罗纳德Bibonia首先餐者俱乐部菲律宾商业发展副总统说 基础踪客户 保险餐者俱乐部客户提供系列服务特权 现金俱乐部例持卡处50 信贷限额 通ATM 者柜台交易餐者俱乐部中心事物保安银行Pilipinas银行树枝访问选择Cashlink Bancnet动提款机 效账单 方面通俱乐部议案连接设备解决
持卡够通刚刚服务登记餐者俱乐部卡片支付电账单特网订购电话账单等等 服务 餐者俱乐部提供俱乐部成员免费参专飞机场生意休息室通俱乐部休息室设备全世界城市感豪 必 黄金持卡者频繁购买者享奢侈品象免费击者私洗手间洗澡样航空公司计划成员 俱乐部成员通刚刚餐者俱乐部提出国际卡片意设备 必须支付进入休息室者许进入机会先生说 [帕特里克·卡洛斯 ] 正飞行飞行等转变餐者俱乐部成员实际呆家里舒适 作者单位名称：ANN KATHLEEN M JABSON刊名卷期数：BusinessWorld Manila Mar 30 XX pg 1 13数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates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 overthecounter transactions Until now Egypt lacked a liquid secondary market with all transactions having to take place through the stock exchange译文：埃债券市场衡扩 巨增加二级市场活动方面预期 继允许投资公司纪做市场进行柜台交易政府法令发行 直现埃缺乏液体次市场全部交易必须通证券交易发生 作者单位名称：Anonymous刊名卷期数：Emerging Markets Week New York Feb 28 XX Vol 8 Iss 9 pg 6 1 pgs （14——20）篇： 14数库名称：ProQuest BusinessProQuest Asian Business检索时间范围：All Dates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 overthecounter transactions cost between 350 and 450 each while automated and phone transactions cost between 1 and 150 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：信合作社说处理电话成员服务关重部分 致已建立电话办理生意什没做整部门 信合作社已创造中心种种原 成员抱怨亲户效劳应答电话呼间成员维修代表身抵触需求范围 改进成员服务外正运送交易电话时中心导致显著成节约 研究显示买卖双方直接交易交易费350 美元450 元间动化时1 美元150 美元间电话交易费 接见执行者说考虑电话中心应该： 1 挑合适足够训练空间设备2 挑正确电话系统3 保持交易安全4 客观观测量结果5 销售鼓励工具定价中心 作者单位名称：Minderman Dean C刊名卷期数：Credit Union Management Madison Jul 1995 Vol 18 Iss 7 pg 36 3 pgs 15数库名称：ProQuest BusinessProQuest Asian Business检索时间范围：All Dates文题目（Title）：Swaps Group Urges Futures Agency to Rethink Proposals文摘（Abstract）：Publicly reported losses by municipalities and pension funds have been in transactions involving securities not swaps the association maintains At the same time recently publicized disputes regarding swaps transactions have involved large corporations and banks that are ＇eligible participants＇ under any definition the association saidIn large part the businesses of banks and other financial institutions governmentsponsored entities and corporations that provide and use swaps and other similar overthecounter transactions are based on the legal conclusion that these transactions are not futures contracts subject to federal futures trading laws the association saidISDA believes that the CFTC should avoid steps that will reverse a sevenyear effort to provide legal certainty for swaps transactions create new confusions as to the legal standards applicable to swaps potentially render a large number of transactions void and unenforceable and undermine the continued growth of swap activity
译文： 公开报告通治市养老基金损失证券关交易程中交换协会张 时 宣布关交易＇ 合格参加者＇定义公司银行关交换争协会说 部分 银行金融机构政府发起实体生意 公司 提供交换相似柜台交易基合法交易期货签订须联邦期货贸易法律结 协会说 ISDA相信CFTC避免走抵消7 年提供交换交易合法确信努力 关交换适法律标准造成新混乱 潜许交易效法实施破坏交换活动持续增长 刊名卷期数 Credit Union Management Madison Jul 1995 Vol 18 Iss 7 pg 36 3 pgs 16数库名称：ProQuest BusinessProQuest Asian Business检索时间范围：All Dates文题目（Title）：Market Efficiency Across Securities Exchange文摘（Abstract）：The efficient market hypothesis holds that investors are aware of all information concerning prices of securities Any new information is quickly reflected in the current prices of securities without bias This efficient dissemination of information thus makes it impossible for investors to earn consistently superior investment returns The hypothesis is strongly supported by studies of large investment firms on the New York Stock Exchange (NYSE) However the pricing efficiencies of the American Stock Exchange (ASE) regional stock exchanges and overthecounter transactions are not as rigorous From a large sample of common stock transactions results show that securities off the NYSE are more likely to sell at prices farther away from equilibrium values than those on the NYSE The involvement of smaller companies implies a loss of efficiency in the digestion and processing of price information Away from the NYSE securities tend to be underpriced enabling investors to earn higher rates of return on shortterm security trades
译文：效率市场假说认投资者知道全部关证券价格信息 新信息偏见迅速反映证券时价 信息效率传播投资者贯挣优良投资利润 假说强烈投资研究支持坚决支持纽约证券交易(纽约证券交易) 美国证券交易(ASE) 定价效率区证券交易柜台交易严格 普通股交易样品 结果显示纽约证券交易相较离纽约证券交易证券远离衡值价格出售 更公司介入消化价格行情处理程中暗示效率丧失 离开纽约证券交易证券倾定价低投资者够关短期保密贸易获更高收益率 作者单位名称：Lease Ronald C Lewellen Wilbur G刊名卷期数 ：Journal of Economics and Business New York 1982 Vol 34 Iss 2 pg 17数库名称：ProQuest BusinessProQuest Asian Business检索时间范围：All Dates文题目（Title）：A Hedge in the Future文摘（Abstract）：Financial futures (contracts to buy or sell securities at an agreedupon price on a specified future date) offer investors various financial planning opportunities A contract can be canceled by the buyer or seller at any time by entering an opposite contract By hedging financial futures financial planners can freeze portfolio values and protect clients from unfavorable interest rate fluctuations Financial planners can use financial futures to freeze their clients＇ costs of borrowing by maintaining current interest rates real estate developers find this technique advantageous Also financial planners can freeze clients＇ lending or investing rates Examples of these applications are included Compared to possible losses from changes in interest rates hedging is relatively economical Moreover interest rates and the stock market can be predicted by financial futures since futures prices are merely expectations and as such can be selffulfilling 译文：金融期货(签合买者出售双方商定价格关棵指定未日期证券) 投资者提供种样编制财政计划机会
通输入份相反合时买方者卖方取消份合 套头交易金融期货时金融计划者结冰文件夹估价保护客户挡住利利率波动 金融计划者金融期货通保持利率冻结客户款成 产发展商发现种技术利 外金融计划者冻客户者投资率 应例子包括 利率方面变化损失相套头交易相节约 利率股票交易市场预言金融期货价格期货仅仅预期履行 作者单位名称：Ray Russ刊名卷期数：Financial Planning New York Nov 1985 Vol 14 Iss 11 pg 212 3 pgs 18数库名称：ProQuest BusinessProQuest Asian Business检索时间范围：All Dates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 overthecounter transaction at any of East West Bank＇s 55 Personalized Banking Centers (PBC)译文：偿推迟日期检查发行便利 动方安排者柜台交易东部西岸55性化银行中心(PBC) 中 刊名卷期数 ：BusinessWorld Manila Mar 8 XX pg 1 19数库名称：ProQuest BusinessProQuest Asian Business检索时间范围：All Dates文题目（Title）：What does the future hold for shared service centers if all you need is a telephone to transact business文摘（Abstract）：In an interview Bill Broxterman presidentCEO of Hughes Aircraft Employees Federal Credit Union and Ray Swanson presidentCEO of CUNA Credit Union discussed shared service centers Both agreed that shared service centers will keep credit unions competitive especially in the short term and especially for small credit unions Broxterman＇s credit union has had little success with automated branches having found that members prefer the human touch but Swanson reports that electronic transactions have greatly surpassed overthecounter transactions He also pointed out that sometimes members do not use ATMs because they are not set up conveniently with noticeable signage Shared service centers do present an opportunity to serve lowincome neighborhoods and they will give credit unions an onstreet presence that they have lacked
译文：次接见程中尔Broxterman休斯飞机雇员联合信贷联盟总统首席执行长官 射线斯旺森CUNA信合作社总裁首席执行长官讨分享服务中心 两意分享服务中心保持信合作社具竞争性特短时期特信合作社 Broxterman信合作社已少动化分部成功 已发现成员宁愿接触斯旺森报告电子交易已非常超柜台交易 指出时成员动提款机没显著标记方便建立 分享服务中心确实提出服务低收入邻区次机会 信合作社街道已缺乏出席 作者单位名称：Johnson Eugene刊名卷期数 ：Credit Union Magazine Madison Jul 1994 Vol 60 Iss 7 pg 14 4 pgs 20数库名称：ProQuest BusinessProQuest Asian Business检索时间范围：All Dates文题目（Title）：Interest in ATMs Grows Apace文摘（Abstract）：Credit unions offering share drafts are often finding that their members are demanding automated teller machine (ATM) access Today about 1100 credit unions provide ATM service and 83 of those participate in a shared network Shared networks reduce expenses for ATM owners For the credit unions offering ATMs though an average of only 20 of the members possess ATM cards Members use ATMs primarily for cash acquisition A credit union considering offering ATM access should 1 Spell out goals for the program 2 Research what other institutions in the locale are doing 3 Aim to have 25 of members as active card holders the first year A survey shows that about 36 of the credit unions charge fees for ATM cards Unions that want to encourage use of ATMs rather than sharedraft or overthecounter transactions should price the service accordingly Meanwhile ATMs are displacing an increasing amount of checks whether ATMs affect profits remains to be seen 译文：提供信合作社分享草稿常发现成员求动化出纳员机器(ATM)进入 天约1100信合作社提供ATM 服务83 参加分享网络 分享网络ATM 拥节减费 提供动提款机信合作社说均成员20 拥ATM 卡片
成员动提款机现金获 认提供ATM 进入信合作社应该： 1 详细说明计划目标 2研究点机构正做 3目第年25成员作活跃持卡者 次调查显示约信合作社36 ATM 卡片收费 联合想鼓励动提款机分享草稿者柜台交易服务定价 时动提款机正代增加数量检查 否动提款机影响利润留见 作者单位名称：Anonymous刊名期数：Credit Union Magazine Madison Sep 1985 Vol 51 Iss 9 pg 44 4 pgs 四综述部分：检索结果达30篇左右相说数库里算检索较全检索程整检索查准率高检索程中采方法逐步检索第步基础进行第二步第次检索入口词选Counter transaction (柜台交易)Over the Counter transaction(柜台交易) 检索结果较（数库检索出结果）然基础采refine search方法加入第二层检索词：mode or model Flow or procedure or program 时检索结果令失具体情况：采Counter transaction + mode or model + Flow or procedure or program结果0然Counter transaction + mode or model 结果14 篇左右（数库累积计算）Counter transaction + Flow or procedure or program 结果10篇左右（数库累积计算）采结果两组组合方式结果 做检索作业程中采方式三分工协作完成作业检索行动中开始面数库选择鉴ABI商业数库检索系统拥数库开始首选进行检索检索程较利尤第步开始入口词没弄清楚没找准专业入口词导致检索结果修正检索结果逐步检索程中综合结果击三检索词综合起进行检索0
结果受挫分开检索词进行组合现结果 然检索结果意做作业中学会种专业文献文进行检索检索结果进行修正调整达较全较准结果程麻烦辛苦结果较欣慰 整检索程基完成没相关老师指导结果实际结果偏差避免种事情次发生建议老师安排辅导老师学中够认真负责帮助学生利完成检索作业
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信息检索课程实报告： 序言部分实题目：柜台交易交易模式流程学生姓名：熊炎波（01083094）分工容：制定检索策略选择检索入口词检索入口词进行修正检索选择ABI（商业信息数库）进行检索选择检索结果进行翻译编写综述检索系统：ABI（商业信息数库）数库名称：ABI（商业信息数库）具体应数库： Business –ABIINFORM Trade & Industry(第1—13篇) BusinessProQuest Asian Business（第14—20篇） 二检索策略部分： 课题分析：柜台交易交易模式流程两部分构成部分柜台交易柜台交易交易模式流程柜台交易称场外交易证券交易种方式济金融学研究种课题针课题检索应柜台交易词入手然通二次检索获关柜台交易交易模式流程关文检索系统选择：图书馆网络数库线检索系统——ABI商业信息数库数库选择：ABI商业信息数库——Multiple databases BusinessABIInform Trade&Industry BusinessProquest Asin BusinessBusiness Source Premier (BSP) 检索词分析选择：柜台交易英文中称 Over the Counter transaction 金融专业术语中常简称 OTC应 OTC Over the Counter transaction counter transaction(柜台交易) 作检索入口词（关键词）进行基检索然检索结果 model OR mode（模式） flowprocedure OR program（流程）作二次检索入口词检索式构建： SUB(Over the counter transaction) AND LA(English)SUB（model OR mode）AND SUB(flow OR procedure OR program )检索策略调整：检索入口词调整 开始始选择Over the Counter trading 作第次检索入口词调整改列入口词： Counter transaction (柜台交易)Over the Counter transaction(柜台交易) Counter transaction model(柜台交易模式)Counter transaction flow(柜台交易流程) 三 检索结果文摘翻译： 数库：ABI（商业信息数库）—— Business –ABIINFORM Trade & Industry(
第1—13篇)ABI（商业信息数库）——BusinessProQuest Asian Business（第14—20篇）检索时间范围：All dates 检索结果列出：（1——13）篇： 1数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：New pvt banks set to hike transaction fees文摘（Abstract）：Another approach that is being mulled is of ＇zero balance accounts with a fee for each transaction or enquiry＇ This would mean that the customer need not maintain any balance in the account but instead pay a charge for each account statement check on balance amount ATM withdrawal and over the counter transactionNumbers thrown by bankers explain the logic a branch transaction costs the bank the most at Rs 75 an ATM transaction costs Rs 12 the call centre costs Rs 10 and the Internet the least at Rs 2In HDFC Bank and ICICI Bank charges are already in place for frequent ATM withdrawals in case the minimum account balance is not maintained Recently ICICI Bank imposed a fee for cash deposits in nonhost branches Host branch is the particular branch in which the customer＇s account is maintained译文：正仔细考虑种方法具＇笔交易说具零衡帐户费功 意味着户必保持帐户衡改支付份帐单费 检查差额ATM 收回柜台交易方 银行家扔数目解释逻辑： 分支交易费银行Rs 75 台ATM 交易费Rs 12电话中心Rs 2花费Rs 10 特网 HDFC银行ICICI银行控告已适位置适合帐户结余没保持果频繁ATM 收回 ICICI银行非总部现金付款存款强加项费 总部户账保持特分部 刊名卷期数：Sunday BusinessBusinessline Chennai Mar 10 XX pg 1 2数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates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 overthecounter transaction at any of East West Bank＇s 55 Personalized Banking Centers (PBC)译文： 偿帐款推迟日期审查
动方安排者柜台交易东部西岸55性化银行中心(PBC) 中说显便利 刊名卷期数：BusinessWorld Manila Mar 8 XX pg 1 3数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：SEC set to release alternative trade rules文摘（Abstract）：If the SEC gets a favorable BIR ruling the alternative electronic trading system will be treated as an informal exchange and trades will only be charged a tax rate of one and onehalf percent per transaction just like in the bourse If the BIR will not consider that then securities traded electronically will be considered as an overthecounter transaction and will have to be charged a 10 capital gains tax译文： 果证交会利BIR制约 选择电子贸易系统 作次非正式交换贸易正证券交易样收费交易百分半税率 果BIR 考虑 然通电子买卖证券认次柜台交易必须收费10资收益税 作者单位名称：Leilani M Gallardo刊名卷期数：BusinessWorld Manila Dec 23 XX pg 1 4数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：Solon evaded taxes文摘（Abstract）：Sen Renato L Cayetano conducted himself unethically by acquiring his shares of stock in BW Resources Inc through ove译文： 参议员Renato L Cayetano通通柜台交易BW 资源股份限公司获股份引导unethically参议院少数派昨天说 作者单位名称：Cayetano Renato L刊名卷期数：BusinessWorld Manila Jan 16 XX pg 1 5数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates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 basisAside 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 overthecounter 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 cardMore 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] B
译文：菲律宾餐者俱乐部安全餐者国合作特许权安全银行全资子公司营 天市场竞争者客户提供性化服务作品牌建议餐者俱乐部持卡提供属专组织感觉 性化接 全部卡片号码卡片公司 罗纳德Bibonia首先餐者俱乐部菲律宾商业发展副总统说 基础踪客户 保险餐者俱乐部客户提供系列服务特权 例现金俱乐部持卡处50 信贷限额通ATM 者柜台交易餐者俱乐部中心事物保安银行Pilipinas银行分行访问选择Cashlink Bancnet动提款机 效账单 方面通俱乐部议案连接设备解决 持卡够通刚刚服务登记餐者俱乐部卡片支付电账单特网
订购电话账单等等更服务 餐者俱乐部提供俱乐部成员免费参专飞机场生意休息室通俱乐部休息室设备全世界城市感豪 必 黄金持卡者频繁购买者享奢侈品象免费击者私洗手间洗澡样航空公司计划成员 俱乐部成员通刚刚餐者俱乐部提出国际卡片意设备 必须支付进入休息室者许进入机会帕特里克·卡洛斯先生说 正飞行飞行等转变餐者俱乐部成员实际呆家里舒适作者单位名称：ANN KATHLEEN M JABSON Diners Club International (NAICS 813990)
刊名卷期数：BusinessWorld Manila Mar 30 XX pg 1 6数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：SPECIAL FEATURE eRevolution Union Bank makes mark in electronic marketplace文摘（Abstract）：PCIBank gives Smart＇s customers more choices in settling their bills they can pay via overthecounter transactions or through two modes of PCIBank FASTPay if they are PCIBank FASTeller International ATM cardholders through the automatic debit arrangement (ADA) or FASTPay which is available in over 200 of PCIBank＇s FASTeller International ATMs or almost 1000 BancNet member ATMs nationwide FASTPay via PCIBank FASTPhone another convenient bills payment mode will be available before the end of the year译文： PCIBank付账方面聪敏户更选择 通柜台交易者通PCIBank FASTPay两种方式支付 果PCIBank FASTeller 国际ATM 持卡 通动方安排(埃达) 者FASTPay超全国性PCIBankFASTeller 国际动提款机者1000台BancNet 成员动提款机中200台提供 通PCIBank FASTPhoneFASTPay种便利账单支付方式年底前 作者单位名称：Ortiz Justo刊名卷期数：BusinessWorld Manila Mar 30 XX pg 1 7
数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：BUSINESSWORLD (PHILIPPINES) Brokers in stock rigging mess deny wrongdoing (Not aware of any anomalies they said)文摘（Abstract）：On charges that it participated in overthecounter transactions Securities XX said OTC deals are not illegal but merely regulated by law It said Mr Tan opened his account with the firm in May 1997 with a safekeeping agreement or a pact with the firm that it will act as custodian of his (Mr Tan＇s) shares express orders and instructions of Mr TanBased on the complaint of the SEC filed at the Department of Justice (DoJ) last March Mr Tan and other BW officials resorted to a classic stock price manipulation technique called wash saleThe corporate watchdog presented evidence at the Justice department supposedly proving Aurora and brokerage firms PNB Securities Inc Mark Securities Belson Securities Inc and Securities XX allowed Mr Tan to skirt Philippine Stock Exchange (PSE) rules to jack up trading volume and price of BW译文： 费参加柜台交易XX述OTC 分派证券合法仅仅法律理 说 Tan 先生1997 5月公司保意者条约公司开账户 担(Tan先生) 股票保 表示Tan先生命令指示 基年3月司法部(DoJ)正式提出证交会抱怨 Tan先生BW 官员常种优秀股票价格操作技术洗销售 公司监司法部根推测证明极光提出证 纪事务PNB证券 股份限公司 马克证券 贝尔森证券股份限公司证券XX 允许先生Tan 裙子顶起成交量BW价格菲律宾证券交易(PSE) 规章 作者单位名称：Tan Dante T Juan Jimmy刊名卷期数：BusinessWorld Manila May 12 XX pg 1 8数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：Close watch on money transfer文摘（Abstract）：The move initiated by the Economic Planning and Development Department of the Ministry of Finance stipulates that all over the counter transactions to foreign countries be recorded in a special form called Form P1 as from January 1It says that under the Statistics Act Chapter 81 from Laws of Brunei Darussalam every remitter is requested to complete all the required information
译文：济计划发展起动行动 财政部规定遍外国柜台交易特殊形式记录1月1日起称作FROM P1’ 说统计面行动文莱达鲁萨兰国法律第81章位汇款请求完成全部求信息 作者单位名称：Cayetano Renato L刊名卷期数 The Borneo Bulletin Kuala Belait Jan 9 1998 pg 1 9数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：SPECIAL FEATURE Mobile Phones More efficient billing and collection services for cellphone operators文摘（Abstract）：PCIBank gives Smart＇s customers more choices in settling their bills they can pay via overthecounter transactions or through two modes of PCIBank FASTPay if they are PCIBank FASTeller International ATM cardholders through the automatic debit arrangement (ADA) or FASTPay which is available in over 200 of PCIBank＇s FASTeller International ATMs or almost 1000 BancNet member ATMs nationwide FASTPay via PCIBank FASTPhone another convenient bills payment mode will be available before the end of the year译文：PCIBank付账方面精明户更选择 通柜台交易者通PCIBank FASTPay两种方式支付 果PCIBank FASTeller 国际ATM 持卡 通动方安排(埃达) 者FASTPay超全国性PCIBankFASTeller 国际动提款机者1000台BancNet 成员动提款机中200台提供 通PCIBank FASTPhoneFASTPay种便利账单支付方式年底前 作者单位名称：Bermudez Joey A刊名卷期数 BusinessWorld Manila Dec 8 1997 pg NOPGCIT 10数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates文题目（Title）：New pvt banks set to hike transaction fees文摘（Abstract）：Another approach that is being mulled is of ＇zero balance accounts with a fee for each transaction or enquiry＇ This would mean that the customer need not maintain any balance in the account but instead pay a charge for each account statement check on balance amount ATM withdrawal and over the counter transactionNumbers thrown by bankers explain the logic a branch transaction costs the bank the most at Rs 75 an ATM transaction costs Rs 12 the call centre costs Rs 10 and the Internet the least at Rs 2In HDFC Bank and ICICI Bank charges are already in place for frequent ATM withdrawals in case the minimum account balance is not maintained Recently ICICI Bank imposed a fee for cash deposits in nonhost branches Host branch is the particular branch in which the customer＇s account is maintained
译文：正仔细考虑种方法具＇零笔交易者调查账项费衡＇ 意味着户必保持价值余额账改支付份帐单项费 检查差额ATM 收回柜台交易方 银行家扔数目解释逻辑： 分支交易费银行Rs 75 台ATM 交易费Rs 12电话中心Rs 2花费Rs 10 特网 HDFC银行ICICI银行控告已适位置适合帐户结余没保持果频繁ATM 收回 ICICI银行非分部现金付款存款强加项费 分部户账保持特分部作者单位名称：Cayetano Renato L刊名卷期数：Businessline Chennai Mar 10 XX pg 1 11数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates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 overthecounter tran译文： 偿推迟日期检查发行便利 动方安排者柜台交易东部西岸55性化银行中心(PBC) 中 作者单位名称：Cayetano Renato L刊名卷期数 12数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates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 basisAside 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 overthecounter 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 cardMore 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
译文： 餐者俱乐部菲律宾安全餐者国合作特许权安全银行全资子公司营 天市场竞争者客户提供性化服务 品牌建议时餐者俱乐部持卡提供属专组织感觉 性化接 全部卡片号码卡片公司 罗纳德Bibonia首先餐者俱乐部菲律宾商业发展副总统说 基础踪客户 保险餐者俱乐部客户提供系列服务特权 现金俱乐部例持卡处50 信贷限额 通ATM 者柜台交易餐者俱乐部中心事物保安银行Pilipinas银行树枝访问选择Cashlink Bancnet动提款机 效账单 方面通俱乐部议案连接设备解决
持卡够通刚刚服务登记餐者俱乐部卡片支付电账单特网订购电话账单等等 服务 餐者俱乐部提供俱乐部成员免费参专飞机场生意休息室通俱乐部休息室设备全世界城市感豪 必 黄金持卡者频繁购买者享奢侈品象免费击者私洗手间洗澡样航空公司计划成员 俱乐部成员通刚刚餐者俱乐部提出国际卡片意设备 必须支付进入休息室者许进入机会先生说 [帕特里克·卡洛斯 ] 正飞行飞行等转变餐者俱乐部成员实际呆家里舒适 作者单位名称：ANN KATHLEEN M JABSON刊名卷期数：BusinessWorld Manila Mar 30 XX pg 1 13数库名称：ProQuest Business –ABIINFORM Trade & Industry检索时间范围：All Dates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 overthecounter transactions Until now Egypt lacked a liquid secondary market with all transactions having to take place through the stock exchange译文：埃债券市场衡扩 巨增加二级市场活动方面预期 继允许投资公司纪做市场进行柜台交易政府法令发行 直现埃缺乏液体次市场全部交易必须通证券交易发生 作者单位名称：Anonymous刊名卷期数：Emerging Markets Week New York Feb 28 XX Vol 8 Iss 9 pg 6 1 pgs （14——20）篇： 14数库名称：ProQuest BusinessProQuest Asian Business检索时间范围：All Dates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 overthecounter transactions cost between 350 and 450 each while automated and phone transactions cost between 1 and 150 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：信合作社说处理电话成员服务关重部分 致已建立电话办理生意什没做整部门 信合作社已创造中心种种原 成员抱怨亲户效劳应答电话呼间成员维修代表身抵触需求范围 改进成员服务外正运送交易电话时中心导致显著成节约 研究显示买卖双方直接交易交易费350 美元450 元间动化时1 美元150 美元间电话交易费 接见执行者说考虑电话中心应该： 1 挑合适足够训练空间设备2 挑正确电话系统3 保持交易安全4 客观观测量结果5 销售鼓励工具定价中心 作者单位名称：Minderman Dean C刊名卷期数：Credit Union Management Madison Jul 1995 Vol 18 Iss 7 pg 36 3 pgs 15数库名称：ProQuest BusinessProQuest Asian Business检索时间范围：All Dates文题目（Title）：Swaps Group Urges Futures Agency to Rethink Proposals文摘（Abstract）：Publicly reported losses by municipalities and pension funds have been in transactions involving securities not swaps the association maintains At the same time recently publicized disputes regarding swaps transactions have involved large corporations and banks that are ＇eligible participants＇ under any definition the association saidIn large part the businesses of banks and other financial institutions governmentsponsored entities and corporations that provide and use swaps and other similar overthecounter transactions are based on the legal conclusion that these transactions are not futures contracts subject to federal futures trading laws the association saidISDA believes that the CFTC should avoid steps that will reverse a sevenyear effort to provide legal certainty for swaps transactions create new confusions as to the legal standards applicable to swaps potentially render a large number of transactions void and unenforceable and undermine the continued growth of swap activity
译文： 公开报告通治市养老基金损失证券关交易程中交换协会张 时 宣布关交易＇ 合格参加者＇定义公司银行关交换争协会说 部分 银行金融机构政府发起实体生意 公司 提供交换相似柜台交易基合法交易期货签订须联邦期货贸易法律结 协会说 ISDA相信CFTC避免走抵消7 年提供交换交易合法确信努力 关交换适法律标准造成新混乱 潜许交易效法实施破坏交换活动持续增长 刊名卷期数 Credit Union Management Madison Jul 1995 Vol 18 Iss 7 pg 36 3 pgs 16数库名称：ProQuest BusinessProQuest Asian Business检索时间范围：All Dates文题目（Title）：Market Efficiency Across Securities Exchange文摘（Abstract）：The efficient market hypothesis holds that investors are aware of all information concerning prices of securities Any new information is quickly reflected in the current prices of securities without bias This efficient dissemination of information thus makes it impossible for investors to earn consistently superior investment returns The hypothesis is strongly supported by studies of large investment firms on the New York Stock Exchange (NYSE) However the pricing efficiencies of the American Stock Exchange (ASE) regional stock exchanges and overthecounter transactions are not as rigorous From a large sample of common stock transactions results show that securities off the NYSE are more likely to sell at prices farther away from equilibrium values than those on the NYSE The involvement of smaller companies implies a loss of efficiency in the digestion and processing of price information Away from the NYSE securities tend to be underpriced enabling investors to earn higher rates of return on shortterm security trades
译文：效率市场假说认投资者知道全部关证券价格信息 新信息偏见迅速反映证券时价 信息效率传播投资者贯挣优良投资利润 假说强烈投资研究支持坚决支持纽约证券交易(纽约证券交易) 美国证券交易(ASE) 定价效率区证券交易柜台交易严格 普通股交易样品 结果显示纽约证券交易相较离纽约证券交易证券远离衡值价格出售 更公司介入消化价格行情处理程中暗示效率丧失 离开纽约证券交易证券倾定价低投资者够关短期保密贸易获更高收益率 作者单位名称：Lease Ronald C Lewellen Wilbur G刊名卷期数 ：Journal of Economics and Business New York 1982 Vol 34 Iss 2 pg 17数库名称：ProQuest BusinessProQuest Asian Business检索时间范围：All Dates文题目（Title）：A Hedge in the Future文摘（Abstract）：Financial futures (contracts to buy or sell securities at an agreedupon price on a specified future date) offer investors various financial planning opportunities A contract can be canceled by the buyer or seller at any time by entering an opposite contract By hedging financial futures financial planners can freeze portfolio values and protect clients from unfavorable interest rate fluctuations Financial planners can use financial futures to freeze their clients＇ costs of borrowing by maintaining current interest rates real estate developers find this technique advantageous Also financial planners can freeze clients＇ lending or investing rates Examples of these applications are included Compared to possible losses from changes in interest rates hedging is relatively economical Moreover interest rates and the stock market can be predicted by financial futures since futures prices are merely expectations and as such can be selffulfilling 译文：金融期货(签合买者出售双方商定价格关棵指定未日期证券) 投资者提供种样编制财政计划机会
通输入份相反合时买方者卖方取消份合 套头交易金融期货时金融计划者结冰文件夹估价保护客户挡住利利率波动 金融计划者金融期货通保持利率冻结客户款成 产发展商发现种技术利 外金融计划者冻客户者投资率 应例子包括 利率方面变化损失相套头交易相节约 利率股票交易市场预言金融期货价格期货仅仅预期履行 作者单位名称：Ray Russ刊名卷期数：Financial Planning New York Nov 1985 Vol 14 Iss 11 pg 212 3 pgs 18数库名称：ProQuest BusinessProQuest Asian Business检索时间范围：All Dates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 overthecounter transaction at any of East West Bank＇s 55 Personalized Banking Centers (PBC)译文：偿推迟日期检查发行便利 动方安排者柜台交易东部西岸55性化银行中心(PBC) 中 刊名卷期数 ：BusinessWorld Manila Mar 8 XX pg 1 19数库名称：ProQuest BusinessProQuest Asian Business检索时间范围：All Dates文题目（Title）：What does the future hold for shared service centers if all you need is a telephone to transact business文摘（Abstract）：In an interview Bill Broxterman presidentCEO of Hughes Aircraft Employees Federal Credit Union and Ray Swanson presidentCEO of CUNA Credit Union discussed shared service centers Both agreed that shared service centers will keep credit unions competitive especially in the short term and especially for small credit unions Broxterman＇s credit union has had little success with automated branches having found that members prefer the human touch but Swanson reports that electronic transactions have greatly surpassed overthecounter transactions He also pointed out that sometimes members do not use ATMs because they are not set up conveniently with noticeable signage Shared service centers do present an opportunity to serve lowincome neighborhoods and they will give credit unions an onstreet presence that they have lacked
译文：次接见程中尔Broxterman休斯飞机雇员联合信贷联盟总统首席执行长官 射线斯旺森CUNA信合作社总裁首席执行长官讨分享服务中心 两意分享服务中心保持信合作社具竞争性特短时期特信合作社 Broxterman信合作社已少动化分部成功 已发现成员宁愿接触斯旺森报告电子交易已非常超柜台交易 指出时成员动提款机没显著标记方便建立 分享服务中心确实提出服务低收入邻区次机会 信合作社街道已缺乏出席 作者单位名称：Johnson Eugene刊名卷期数 ：Credit Union Magazine Madison Jul 1994 Vol 60 Iss 7 pg 14 4 pgs 20数库名称：ProQuest BusinessProQuest Asian Business检索时间范围：All Dates文题目（Title）：Interest in ATMs Grows Apace文摘（Abstract）：Credit unions offering share drafts are often finding that their members are demanding automated teller machine (ATM) access Today about 1100 credit unions provide ATM service and 83 of those participate in a shared network Shared networks reduce expenses for ATM owners For the credit unions offering ATMs though an average of only 20 of the members possess ATM cards Members use ATMs primarily for cash acquisition A credit union considering offering ATM access should 1 Spell out goals for the program 2 Research what other institutions in the locale are doing 3 Aim to have 25 of members as active card holders the first year A survey shows that about 36 of the credit unions charge fees for ATM cards Unions that want to encourage use of ATMs rather than sharedraft or overthecounter transactions should price the service accordingly Meanwhile ATMs are displacing an increasing amount of checks whether ATMs affect profits remains to be seen 译文：提供信合作社分享草稿常发现成员求动化出纳员机器(ATM)进入 天约1100信合作社提供ATM 服务83 参加分享网络 分享网络ATM 拥节减费 提供动提款机信合作社说均成员20 拥ATM 卡片
成员动提款机现金获 认提供ATM 进入信合作社应该： 1 详细说明计划目标 2研究点机构正做 3目第年25成员作活跃持卡者 次调查显示约信合作社36 ATM 卡片收费 联合想鼓励动提款机分享草稿者柜台交易服务定价 时动提款机正代增加数量检查 否动提款机影响利润留见 作者单位名称：Anonymous刊名期数：Credit Union Magazine Madison Sep 1985 Vol 51 Iss 9 pg 44 4 pgs 四综述部分：检索结果达30篇左右相说数库里算检索较全检索程整检索查准率高检索程中采方法逐步检索第步基础进行第二步第次检索入口词选Counter transaction (柜台交易)Over the Counter transaction(柜台交易) 检索结果较（数库检索出结果）然基础采refine search方法加入第二层检索词：mode or model Flow or procedure or program 时检索结果令失具体情况：采Counter transaction + mode or model + Flow or procedure or program结果0然Counter transaction + mode or model 结果14 篇左右（数库累积计算）Counter transaction + Flow or procedure or program 结果10篇左右（数库累积计算）采结果两组组合方式结果 做检索作业程中采方式三分工协作完成作业检索行动中开始面数库选择鉴ABI商业数库检索系统拥数库开始首选进行检索检索程较利尤第步开始入口词没弄清楚没找准专业入口词导致检索结果修正检索结果逐步检索程中综合结果击三检索词综合起进行检索0
结果受挫分开检索词进行组合现结果 然检索结果意做作业中学会种专业文献文进行检索检索结果进行修正调整达较全较准结果程麻烦辛苦结果较欣慰 整检索程基完成没相关老师指导结果实际结果偏差避免种事情次发生建议老师安排辅导老师学中够认真负责帮助学生利完成检索作业
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