At the graduation ceremony , mr . atul malik , country business manager , citibank global consumer group , said , " in view of the needs and interests of students in acquiring practical knowledge of the banking industry , for three consecutive years , we have offered this practical banking course for business and economics students in the university of hong kong Citibank环球个人银行服务总经理马立衡先生于毕业礼上表示：鉴于学生对银行实务知识的需求及兴趣，我们今年再次为港大经济及工商管理学院的学生提供这个银行实务课程。
Initiatives by the banking industry in co - operation with the hkma have been taken over the past year to promote this process . they include the major revisions to the code of banking practice , setting out basic standards for personal banking services - and on issues such as debt collection - and placing an emphasis on transparency 过去一年，业界已联同金管局采取一系列措施，包括大幅修订银行营运守则制定个人银行服务的基本标准其中包括追收欠帐的事项，以及强调提高透明度。
According to the unified regulation of pbc （ " administration measures of rmb bank settlement account " pbc order [ 2003 ] no . 5 ） , personal bank settlement account means a rmb current saving account opened by an individual client in the name of a natural person in virtue of its personal valid identity certificate and used for fund collection , payment and settlement 按中国人民银行统一规定（ 《人民币银行结算账户管理办法》中国人民银行令[ 2003 ]第5号） ，个人银行结算账户是指个人客户凭个人有效身份证件以自然人名称开立的，用于办理资金收付结算的人民币活期存款账户。
Mr . atul malik firmly believed that citibank s commitment to financial education has paid off in the community as the course for 2004 - 2005 was a tremendous success : " we hope that this course will give students not only a better understanding of the banking industry and its practices , but also a deeper appreciation of personal financial management so that they can become financially responsible individuals . 有见于20042005年度的课程获得空前成功， citibank环球个人银行服务总经理马立衡先生相信， citibank对理财教育及社会的承诺已初见成果：我们希望此课程不单为学生提供有关银行业的知识，同时更让他们了解个人理财的重要性，让他们懂得为自己的财务安排负责。
