发自曼谷

From Bangkok

　　泰国盘谷银行为东南亚最大的国际性商业银行，创立于1945年，总行设在泰国曼谷，除了在泰国境内有650家分行外，在海外各重要城市亦设有分行，在所有的泰国银行中，盘谷银行拥有最为庞大的海外分支机构，并且是东南亚最大的区域银行之一。

Thai dish valley bank as the southeast Asia's largest international commercial Banks,Founded in 1945,The head office is located in Bangkok, Thailand,In addition to domestic in Thailand has 650 branches outside,In the overseas each important city also sets up the branch,In all of the bank of Thailand,Disk valley bank has the most extensive overseas branch,And is one of the southeast Asia's the largest regional Banks.

　　目前，盘谷银行的实际运作者便是国际杰出银行家陈有汉的长子陈智深。陈智深祖籍广东汕头市潮南区峡山镇，先后获得美国麻省理工大学化学工程学士和剑桥麻省理工学院化学工程硕士、金融与经济管理硕士的学位。1992年进入盘谷银行，1994年接替父亲出任盘谷银行总裁。

At present,Disk valley bank's actual shipping the author is international outstanding bankers ChenYouHan firstborn ChenZhiShen.ChenZhiShen ancestral home guangdong shantou tide the area XiaShan town,The United States has been awarded the MIT chemical bachelor of engineering and Cambridge Massachusetts institute of technology of chemical engineering/Financial and economic management master's degree.1992 the central bank,1994 take father as central bank President.

　　激流勇进 全面革新 Flume ride comprehensive innovation

　　回想起1997年亚洲金融风暴，陈智深仍心有余悸，这是他上任几年后便直面的第一个大风暴。盘谷银行作为泰国最大的商业银行更是直接遭受巨大的冲击，1997年当年的纯利润更是比前一年下降80%，呆账率随之上升。1998年泰国政府颁布金融改革措施，要求商业银行按照国际标准充足准备金，这迫使各商业银行纷纷增资。为了应对危机，陈智深果断出售了旗下几个公司的股权，以解资金紧缺的燃眉之急。同时盘谷银行还积极招揽外商，以达到政府的增资要求。

Back in 1997 the Asian financial turmoil,ChenZhiShen still jittery,This is his term will face a few years the first big storm.Disk valley bank as Thailand's largest commercial bank is direct suffer a great impact,In 1997, the net profit more than the previous year 80% decline,DaiZhangLv then rise.In 1998, the Thai government issued financial reform measures,For commercial Banks in accordance with international standard enough reserve,This force the commercial Banks to increase in succession.In order to deal with the crisis,ChenZhiShen decisive sold under the equity of several companies,In solution funds shortage of burning issue.At the same time dish valley bank also actively attract foreign,In order to achieve the government's capital increase requirements.

　　这场风暴也让陈智深迅速成长，他对金融稳定政策以及区域经贸合作有了更深层面的了解，他意识到了金融风暴之后，重心要放在建立未来地区的金融稳定机制，有效地面对游资的冲击。他对盘谷银行进行全面的改革，从机构改革到信息技术升级，并引入先进的设备和技术，提升银行的产品及服务品质。

The storm also let ChenZhiShen rapid growth,He on the financial stability, the policy and regional economic and trade cooperation had a deeper level of understanding,He realized after the financial crisis,Focus should be placed in the future to establish the financial stability mechanism,Effectively in the face of the impact of hot money.His central bank to conduct a comprehensive reform,From the institutional reform to information technology upgrade,And the introduction of advanced equipment and technology,Ascension bank products and service quality.

　　金融“安稳” 经济稳定 financial"safe" Economic stability

　　盘谷银行早在1986年即已在北京设立代表处，1992年在汕头设立了第2家分行，是一家较早进入中国市场的外资银行之一。陈智深同样非常重视与中国的经贸往来。他积极推动中国与东盟的金融合作，促进双边贸易投资的发展。2007年，陈智深参与了在广西举行的第四届中国－东盟商务与投资峰会的金融专题论坛。与来自中国和东盟国家金融界的专家和官员就中国金融业的开放及国际化；利用出口信用保险促进与东盟国家贸易发展；通过金融创新促进贸易投资发展；东盟自贸区给区内金融企业带来的商机；通过亚洲区域内金融业的合作促进投资及贸易发展等论题进行讨论。

Central bank as early as 1986 that is already in the Beijing representative office established,1992 in shantou set up a second branches,Is a earlier to enter the Chinese market one of the foreign Banks.ChenZhiShen also attaches great importance to the economic and trade exchanges with China.He actively promote financial cooperation between China and asean,To promote the development of bilateral trade and investment.In 2007,,ChenZhiShen participated in guangxi at the 4th china-asean business and investment summit financial projects BBS.And from China and asean countries financial experts and officials of China's financial sector is open and internationalization;Use of export credit insurance promotion and asean countries trade development;Through financial innovation to promote the development of trade and investment;Asean free trade area to financial enterprise to bring the business opportunities;Through the Asian area financial cooperation to promote investment and trade development, discuss topics.

　　陈智深认为，金融稳定和安全是实现地区经济稳定发展的重要保障，金融危机已经深刻地表明了加强多边贸易和金融合作对亚洲的稳定繁荣长所具有的积极意义。随着中国－东盟区域内各个经济项目的合作与开发，对金融服务的需求越来越大，因此金融业将会是中国与东盟贸易服务的重要内容。建立有序的金融环境也可以为各国的经贸合作营造一个稳定的基础。

ChenZhiShen think,Financial stability and safety is to realize regional economic steady development of important guarantee,The financial crisis has deep surface to strengthen multilateral trade and financial cooperation to the stability and prosperity of Asia long has positive significance.As China - asean region of the project in all economic cooperation and development,On the financial service needs more and more,Therefore the financial industry will be China and asean trade service important content.To establish an orderly financial environment can also for national economic and trade cooperation to build a stable foundation.

　　2011年，泰国各大商行纷纷上调贷款目标。陈智深指出，各大银行的贷款增幅均显著攀升，全拜泰国经济持续发展、以及政局保持稳定所赐，带动国内企业和个人的贷款需求同步提升。由此也印证了陈智深一直坚持“金融稳定”这一理念所具有的深远意义。

In 2011,,Thailand each big firms have raised lending target.ChenZhiShen pointed out that,Each big bank loan growth rise significantly,All worship the Thai economy sustainable development/And political situation remained stable gave,Provide a boost to the domestic enterprises and personal loan demand synchronizing lifting.This is also proved the ChenZhiShen has been insisting"Financial stability"This idea has far-reaching significance.

　　机遇与挑战 Opportunities and challenges

　　今年3月，“中国：泰国投资者的机遇与挑战”论坛在曼谷盘谷银行总部举行。陈有汉和陈智深同时出席了论坛开幕式。本次论坛是由泰国盘谷银行举办的，其宗旨在推介和更新特定国家工商企业界的最新发展情况及动态。陈智深希望通过这些论坛，向世界展示中泰经贸合作的成果以及对区域经济发展所造成的影响，并且能够在双方的交流中进一步推进中国-东盟自贸区的全面建成和不断完善。

In march this year,"China:Thailand investors the opportunity and challenge"BBS in Bangkok dish valley bank at its headquarters.ChenYouHan and ChenZhiShen also attended the opening ceremony of the BBS.This BBS is made from Thai dish valley held by the bank,The aim in addition to the promotion and update the specific countries business situation and the latest development of dynamic.ChenZhiShen hope that through these BBS,To show the world zhongtai economic and trade cooperation and the results of regional economic development caused by the impact,And to both sides of the exchange further advance the China - asean free trade in the overall and continuous improvement.

　　陈智深在亚洲金融危机中的出色表现，不仅体现了他面对逆境时所具有的良好心理素质，他带领的盘谷银行在其后的发展中取得的成就，则是与他勇于对企业进行革新，并因时制宜地将企业推到更为广阔的发展空间中去有着密不可分的关系。陈氏家族企业打破了“富不过三代”的怪圈，平稳地实现了权力的交接，并将以崭新的姿态迎接未来的挑战。

ChenZhiShen during the Asian financial crisis of his outstanding performance,Not only reflect his face in adversity is the good psychological quality,He leads a dish valley bank in subsequent developing achievement,And he is the courage to enterprise innovation,And the model of enterprise push to the wider development space to the inseparable relations.Chen family enterprise broke"Rich only three generations"The strange circle of,To realize the smooth transition of power,And will be entirely new posture to meet the challenges of the future.