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昨天是國慶日，mini storage筆者祝各位讀者國慶節快樂！近年，香港掀起一波又一波的政治爭議，激進團體及社會運動催化很多兩極化爭議，部分爭議圍繞政制發展及分化內地與香港關係，醜化來香港消費、旅遊、投資、經商及進修的內地同胞，筆者認為社會必須分析事件要有理性，不應人云亦云，要有自己的觀點和立場，不要每逢與祖國及內地同胞牽上關係的人和事便因主觀而抗拒。我國隨�經濟改革步伐，部分省市縣都踏入經濟起步周期初期，一切都在調整和適應，正因如此，以及文化的差異，間中與我們預期都有些微落差，但這只是社會發展的過渡性現象，並不影響內地與香港血濃於水、同根同源的事實。另外，筆者也留意到在香港遊行或政治運動期間，有不少極端參與者揮動�前朝獅龍旗，口喊�「南京條約」等大逆不道的口號，圖謀港獨傾向者，背典忘宗。我們作為中國香港人，黃皮膚黑頭髮黑眼珠，流�中國人的血，喝中國人的奶水長大，應該飲東江水思其源，別忘本，不要忘記祖國的恩情。我國近數年國際地位攀升，有賴全國十三億人儲存的團結努力，近數屆中央政府各位領導的確勞苦功高。各城市成功舉辦國際及區域盛事，繼有北京奧運、上海世博、廣州東亞運、深圳大學生運動會、香港東亞運、海南博鰲亞洲論壇、上海APEC峰會、廣西東盟博覽會、烏魯木齊中國亞歐博覽會、寧夏中阿經貿論壇等，國力提升，基建硬件和人才軟件兼備，感染亞洲，走向國際。我們中國人同樣要為科研成果而驕傲，我國航空母艦遼寧號首航，在不久將來可以履行防衛任務；火箭和載人航天船分別以手動和機動的形式在太空對接，「天神合一」是我國航天科技的突破；載人潛水艇蛟龍號深海下潛並完成各項指定實驗，令中國人有能力探究深海奧秘；中國有全世界運算速度最快之一的超級電腦，有利我國的農業、醫療、藥物、能源等各領域的研發。香港是中國領土是鐵一般的事實，作為中國人，理應對國家的成功而喜悅，筆者在過去數年曾遊歷我國不同城市，也見證了我國和平崛起，筆者以身為中國人為榮，並願意為祖國貢獻每一份力量，望我國每名國民豐衣足食，繼續國泰民安！國富民強！儲存倉

Source: Kennebec Journal, Augusta, MaineOct.儲存 01--Robert Pleau, owner of Pleau's Market in Winslow, hired a company to help him change his cash registers and credit card readers in anticipation of Tuesday's meals and lodging tax hike.At Barrels Market in Waterville, employees made the adjustment themselves."Basically, we have a point of sale that works with a computer system. You can go in and adjust the sales tax," said Melissa Hackett, store manager. "The kind of retail we do, we need to make changes constantly depending on how the register reads certain items and we have the office end of the equipment to change it."The tax increases -- meals and lodging tax went from 7 percent to 8 percent and the sales tax rose from 5 percent to 5.5 percent -- were the result of a state budget compromise crafted by lawmakers in June to avoid a possible state government shutdown.The machinery isn't the only thing that has to be adjusted -- store owners are also waiting to see how customers react to higher prices. But so far, everyone expects people will take it in stride."Most people who've come in to shop are aware of the changes and what's coming," said Pleau. "It adds a little more cost to everyone, but it's the law and you have to deal with it."Hackett said that not much noise has been made by her customers about the change in sales tax."No one has said much about it, and it's a small enough increase that I don't think they'll take much consideration into it," she said.Many restaurants are adjusting prices so the tax doesn't make the numbers less appealing."We're just going to be rounding prices to the closest zero," said Stan LaPointe, owner of the Pointe Afta bar in Winslow. For instance, if a draft now costs $3.18, it will be rounded to $3.20. The change shouldn't affect the food prices, he said."It's not the end of the world," LaPointe said. "Some people just need to be creative with their funds, but some can't afford to do it."Some in the state's hospitality industry are more concerned that higher prices, even if only several cents more, could make people rethink how much they spend when they go out for a bite to eat or book a room.The taxes on a $50 meal will go up 25 cents. For a $150 hotel room, taxes will rise by 75 cents."Overall, I think the danger here is any time the meal goes up overall, then folks think twice about how often they're going to go out," said Richard Grotton, president and CEO of the Maine Restaurant Association.Another complaint is that the added revenue from the tax hike will end up in the state's coffers, not in the cash registers of business owners who have avoided raising prices themselves."This is sort of like a self-imposed increase by the state on people who are trying to collect as much rate as possible," said Greg Dugal, executive director of the Maine Innkeepers Association.Geoffrey Houghton, owner of The Liberal Cup in Hallowell, said his custo儲存倉ers generally look at the bottom line of what their meals cost and won't differentiate the amount raised by taxes."Unfortunately, the customer is going to notice the increase in the bill, but I'm not getting any more," Houghton said. "I'm not raising my prices because of the economy, so I'm a little disappointed the taxes are going up."The Legislature passed the two-year, $6.3 billion budget in June with the tax increases to prevent a possible government shutdown. The sales, meals and lodging tax increases are projected to raise $183 million for the state over the next two years -- $135 million from sales and $48 million from meals and lodging, according to the Maine State Legislature Office of Fiscal and Program Review.Gov. Paul LePage vetoed the budget, but legislators overrode the veto with votes of 114??"34 in the House and 26??"9 in the Senate.Sen. Roger Katz, R-Augusta, described the tax increases as a necessary compromise preferable to the likelihood that property taxes would have increased if the Legislature passed LePage's proposed budget.He said he, like other Republicans, would have liked to see more cuts to government spending instead."Nobody wants to raise taxes here, but the alternative to this would have been worse," Katz said. "We would have eliminated revenue sharing in its entirety, and that means Augusta and every town and city in the state would have seen less state revenue and therefore some increase in property taxes."Municipal revenue sharing, a portion of the state's sales and income tax revenues given to towns and cities to offset property taxes, was still cut by a third in the budget passed by the Legislature, but LePage had proposed in January to suspended it entirely for two years.The state previously increased the sales tax from 5 percent to 6 percent in 1991, with the provision it would drop in half percent increments with certain increases to the general fund's revenue, according to Michael Allen, Maine Revenue Service's associate commissioner for tax policy.That caused it to drop to 5.5 percent in 1998. Two years later the state decided to drop it back down to 5 percent.The current increase is set end on July 1, 2015.Some in the industries affected are concerned it could be permanent, but Katz said he expects the Legislature to honor the sunset of the tax increases.He said part of the reason for preferring the lodging and meals tax increase over further increases to property taxes is a larger portion is borne by out-of-state visitors.About 65 percent of lodging revenue is from nonresidents, and between 30 and 35 of prepared meals revenue comes from nonresidents, according to Allen.___Jesse Scardina -- 861-9239jscardina@mainetoday.comPaul Koenig -- 621-5663pkoenig@mainetoday.comCopyright: ___ (c)2013 Kennebec Journal (Augusta, Maine) Visit the Kennebec Journal (Augusta, Maine) at .kjonline.com Distributed by MCT Information Services迷你倉最平

互聯網金融，文件倉工具創新還是產業革命本報記者 唐瑋婕本期嘉賓：丁蔚：上海浦東發展銀行總行電子銀行部總經理駱品亮：複旦大學管理學院產業經濟學系副系主任/教授李娟：上海金融信息服務專業委員會副秘書長陳祥鋒：複旦大學管理學院管理科學系副教授王安宇：複旦大學管理學院管理科學系副系主任/副教授周 漢：融道網創始人、CEO嚴定貴：“你我貸”創始人、上海嘉銀金融服務有限公司總裁張海暉：阿里巴巴政策研究室（金融與支付）高級專家商建剛：大成律師事務所高級合伙人從P2P網絡信貸的風起雲涌，到阿里巴巴的馬雲撂下“改變銀行”的狠話，再到餘額寶掀起的陣陣熱浪……互聯網金融在中國的火熱程度絕對讓人吃驚，模式更是層出不窮。當我們為“極為誘惑”的商業前景而熱血沸騰時，是否想過，互聯網金融是什麼？它是否具備發展成產業的基本特徵？或者只是一個為支持金融服務而衍生出來的工具？如果它是產業，支撐其發展的生態體系如何建立？如果它只是工具，如何利用這個工具，詮釋金融行業的服務本質？圍繞“互聯網金融，工具創新還是產業革命？”這一熱門話題，互聯網金融實踐者、傳統金融業、民間資本、學者、媒體人等多方展開對話，從實踐經驗、法規政策、產業趨勢的不同視角碰撞出眾多精彩的觀點。本刊將分為上下兩期內容，分別聚焦互聯網金融的現狀與創新價值，以及發展生態與風險管控，以饗讀者。記者：對互聯網金融的定義�說紛紜。什麼是互聯網金融？有哪些特點？目前，它在國內的發展是一番怎樣的狀況？丁蔚：剛剛過去的這個炎熱夏天讓我們記憶猶新。這個“熱”不僅是說天氣的溫度特別高，還有互聯網金融燃起的一片“熱火”——從餘額寶到人人貸到陸金所，這一系列新型的互聯網金融平台的興起，令這個新型金融業態引來前所未有的關注。什麼是互聯網金融？在我看來，任何依托互聯網而存在和發展的金融業務，都屬於互聯網金融。其實，無論是互聯網金融、還是金融互聯網，都是互聯網企業和傳統金融業之間的一種跨界的深入融合，這種深入融合的本質，是利用互聯網技術以及自身的運營模式去拓寬金融服務的內涵，創新金融服務的方式。在我看來，互聯網金融主要有“廣、高、明”三個特徵：第一個是“廣”。傳統金融服務受制于銀行網點的服務半徑，服務範圍是有限的，服務對象也是有限的。但互聯網金融下，通過互聯網的觸角，擺脫地域的限制，能夠將金融服務延伸到每一個互聯網所覆蓋到的地區，使得更多的大�群體能夠共享金融服務。第二個是“高”，是指效率的提高。以信貸為例，傳統信貸服務需要經過人工實地調研、形成審批材料、按照“支-分-總”層層審批的多環節處理，不僅需要較大的成本投入，在效率上也經常不能滿足急迫客戶的需求。而互聯網金融通過大數據、大平台的運算，能夠批量化、快速進行業務處理，有效降低經營成本、提高服務效率。第三個是“明”。借助互聯網技術對客戶行為數據的搜集和分析，能夠有效消除金融服務借貸雙方的信息不對稱情況，讓金融服務的過程更透明、更對等，這也符合互聯網開放、平等的特徵。目前來看，互聯網金融已經包括第三方支付、P2P網貸、�籌融資、在線理財產品的銷售、金融電子商務等模式。從銀行傳統業務領域看，主要有網上支付、網絡信貸與網絡理財三個部分。未來，隨著不斷創新，互聯網金融還會出現更多的業務模式。駱品亮：在我看來，互聯網金融有三大特徵。第一個是核心資源和核心能力不同于傳統銀行。如果說傳統銀行的核心資源是物理網點，那麼互聯網金融企業的核心資源在於平台節點，也就是它所擁有的邊的數量以及每個邊的規模。雙邊平台具有交叉網絡外部性的特徵，它所擁有的一個邊規模越大，平台對另外一個邊的吸引力就越強。比如，支付寶與天弘基金合作開發的餘額寶，實際上就是充分利用了支付寶背後8億賬戶這麼一個強大的邊。最近浦發銀行與騰訊的合作，實際上也體現了交叉網絡效應。因此，如何發展新的邊，也就是所謂的增值服務，以及如何增加每個邊的規模，就成為互聯網金融企業價值創新的重點。第二個特徵，創新風險和創新成本降低了，創新效率就大大提高。隨著雲計算技術的發展，互聯網金融企業很容易基於每個邊的用戶大數據分析，來降低信息不對稱所引起的交易風險，提高資金融通效率。比如，阿里巴巴根據B2B用戶的歷史數據進行風險甄別，為商戶提供小額貸款。所以，互聯網金融平台上的品類拓展和業態擴張，都是輕而易舉的。第三個特徵，互聯網金融具有開放性創新的特點。如果說傳統銀行主要是基於自身力量來開展封閉式的創新，那麼互聯網金融企業的優勢，在於整合價值網絡上的優勢，創新資源開展開放式創新。在這個創新生態系統當中，用戶高度參與，創新者高度尊重用戶的感受、體驗和價值訴求。李娟：P2P網絡信貸業是互聯網金融服務的一種，從有關它的一些數據中，我們可以窺見互聯網金融目前的發展狀況。據統計，2012年末國內P2P借貸服務平台已超過200家，可統計的P2P平台線上業務借貸餘額超過200億元。若是加上尚未統計的P2P平台線下業務，其借貸餘額和投資人會以此倍增。在去年累計的基礎上，今年所有線上和線下模式的P2P業務，其借貸規模估計可達600億元。上海金融信息服務專業委員會將全國29家P2P企業作為樣本進行調研，其中包括上海企業9家，今年1至8月的整體交易額是102.8億。整個P2P行業在2012年比較雜亂地生長以後，從今年開始，能夠留下來繼續合規經營的，並且願意自律經營的企業，其風險控制能力和意識都已大大加強。記者：互聯網金融有哪幾種創新模式？駱品亮：從理論上來講，互聯網金融價值創新大致有三種模式。第一種是提供自營業務的封閉式運營模式，比如說生活繳費等代收業務、轉賬結算等等。封閉式運營的核心能力，來自于金融產品創新能力。第二種模式是純平台業務的開放運營模式，比如說P2P貸款，中小企業融資、�籌融資、在線理財等。這些平台型互聯網金融公司的核心能力，來自于對邊的擴張能力。第三種模式是半封閉、半開放的服務集成模式，也就是所謂的“自營+平台”的業務模式，它的核心能力，來自對產業網絡資源的整合能力。從互聯網金融業務模式的演化規律來看，互聯網金融主要是基於電商對金融服務的特殊需求而興起的，一開始以自營業務為主，隨著互聯網公司用戶基數的爆發式增長，互聯網公司發現不但可以用很低的增量成本為用戶提供增值服務，還可以把這些用戶的注意力轉售給第三方。於是，平台開始走向開放，互聯網金融逐漸發展成為“自營+平台”的業務模式，現在很多互聯網金融公司，比如說網絡貸款公司，從事的是純平台業務。由於平台服務以邊對邊的分散交易為主，質量風險與交易維護可能會降低平台的運行效率。但是，我認為互聯網金融企業的多邊平台化發展，將是一個長期趨勢。記者：互聯網金融是工具創新還是產業革命？它的創新對於傳統金融機構來說，是否是顛覆性的？陳祥鋒：說互聯網金融是工具創新，我覺得太小。但要說它是產業革命，從現在看似乎又太大了，可能再發展一段時間才會看出端倪。我更傾向于把互聯網金融分為兩類，其一是傳統金融服務在互聯網實現，如融資、網上銀行、項目投資、理財等等，即所謂的金融互聯網。另一類是由新興電子商務交易所引發的金融服務，如第三方支付服務、供應鏈金融、物流金融、現金管理、理財服務，即所謂的互聯網金融。前者是借助“長尾效應”和互聯網平台技術，使得普通的消費者或小企業能夠參與傳統金融服務所屬的活動中，從而引發了傳統金融機構和網上企業進行金融業務的創新。事實上，互聯網金融之所以能引起這麼大的轟動效應，很大程度是因為它是基於產品交易而引發的金融服務，特別是電子商務企業意識到互聯網金融使得它們有可能向貿易鏈中交易雙方提供融資和理財服務，甚至是個人消費者提供網上支付和個人理財或現金管理服務，而這種服務，對於傳統金融機構的存款、貸款、支付等業務產生了嚴重的潛在威脅。互聯網金融的出現，使得電子商務企業、傳統金融機構、交易企業等發現，貿易服務和金融服務相互交叉的重要性，這種交叉可以為各自企業未來的業務，甚至是經營模式帶來新的機會。即電子商務企業希望通過提供金融服務來增加利潤源泉，增加顧客黏度和忠誠度；而金融機構則希望能融入貿易鏈全程，從源頭到最終消費者，為這些用戶提供全方位金融服務。因此，我認為“條條大路通羅馬”，其實最終互聯網金融、金融互存倉網都會走向同一條道路。所以，從這個角度上來說，不會是顛覆，而更多是互相促進。其實，伴隨“長尾效應”理論和互聯網技術的發展，銀行也一直在創新，例如網上銀行、網上支付等。銀行也開始改變傳統以單個企業服務為主的，而開始以服務貿易鏈全程的客戶為服務對象。今後，我相信銀行業更應該積極地投入互聯網金融創新領域的探索，更加關注在產業鏈全程的服務創新。王安宇：我認為，目前所謂的互聯網金融業務，大都是借助互聯網這個渠道或者媒介開展的金融活動。比如，P2P網絡信貸，就是資金的提供者和需求者通過網絡平台發現彼此的信息，然後通過一定的程序完成供需匹配步驟；第三方支付是指相關交易的參與者通過互聯網渠道轉移資金、發出支付指令；網絡銷售金融產品則表現得更加明顯，就是借助互聯網渠道開展業務而已。目前出現的其他互聯網金融業務也大抵如此。這裡討論互聯網金融能否顛覆傳統銀行，應該分兩個層次來考慮。一層是互聯網金融業務能否取代傳統業務？另一層是互聯網金融企業能否取代傳統銀行？銀行的首要功能是借貸功能，目前的監管政策雖對放貸有所鬆動，但對吸收存款是嚴格控制的，這種行政性壁壘給傳統銀行帶來了絕對優勢。銀行的第二個業務是支付功能，但我們發現第三方支付業務在很大程度上依賴于銀行，第三方支付企業短期內要想做大可能難度比較大。況且這兩項功能還涉及到客戶對資金安全的考慮，以輕資產著稱的諸多互聯網金融企業，恐怕在這方面不占多少優勢。銀行的第三個功能是銷售，網絡銷售具有運營成本和增值服務優勢。所以，就此功能而言，互聯網金融企業應該能從傳統銀行那裡奪取大量市場份額。從顛覆傳統銀行的層面來看，我覺得目前似乎也很難斷定互聯網滲透到金融領域會引起產業革命。互聯網金融企業進行的價值創新思路，無外乎是降低交易成本或運營成本，創造出新價值與客戶分享，比如餘額寶就是讓資金的碎片化時間得以應用。但這種價值創新能力，並非互聯網金融企業所獨有。在技術開發、客戶獲取、與監管方關係維護等方面，傳統銀行目前都更佔有優勢。實際上，許多傳統銀行正在加大對互聯網金融業務的涉足力度，成立專門機構進行基礎設施建設、業務開發等。可以預測，傳統銀行和所謂的互聯網金融企業，未來會根據自身資源稟賦分別選擇適合自己的產業價值鏈環節，進行價值共創。周漢：我認為互聯網金融是一場產業革命。就拿大家熟悉的電子商務來說，原來消費者都要到實體店里去購買商品，而現在越來越多的人在網上購買。電子商務中的“電子”就是互聯網，作為商業的工具，兩者結合後產生了全新的產業。同樣的，對於金融來說，互聯網既是工具，兩者結合而誕生的互聯網金融，也將成為新的產業。互聯網企業做金融，傳統的金融行業做互聯網，將來比較長的一段時間里可能還是一種融合性競爭的關係。實際上，現在很多P2P公司做的正是商業銀行不願意做、不屑做的業務，比如小微企業信貸。借助互聯網技術，P2P公司在效率上提升了這一塊業務，在風控上有一定的創新，在時間成本上也給客戶帶來了很多便利。所以說，是傳統的商業銀行把這一業務空白留給了互聯網行業。以融道網為例，創新的網絡融資B2C（Bankto Customer）模式，使得資金需求者與資金供給方的對接更加精准、高效，還引入了融資比價功能，提高了整個社會的資金融通效率，降低了資金成本，不管是對於傳統金融機構還是對於新型的互聯網金融，都是有利的。嚴定貴：金融業是一個幾千年來形成的傳統產業，核心業務規模大，利潤也相當高。從國內的情況來看，金融與實體經濟之間依然有較大的落差。事實上，由於金融業存在壟斷，造成的結果，就是整個資源配置效率的降低，許多中小型創新企業很難獲取金融資源。互聯網金融的發展，實際上可以融合物流、信息流、甚至現金流，讓金融更有效率。顛覆性或許還不能說，但至少能促進金融機構去變革，借助互聯網的力量，可以讓金融機構對接結算、信貸、購買、理財等需求的過程變得更為便捷。互聯網金融最初表現出來的是結算功能，由於電子商務的迅速發展，為了提高結算的便利性，滿足客戶的需求，催生出了這個行業的發展。隨後就是P2P網絡信貸行業，它為小微企業之間的借貸搭建良好的平台，同時為投資客戶提供一個新的理財模式，而“你我貸”就是其中一種。張海暉：用工具創新來定義互聯網金融偏技術了一點，而產業革命卻好像是讓我們必須在互聯網業和金融業之間二選一，是對互聯網產業的革命？還是對金融產業的革命？在我看來這兩個產業更多的是融合。傳統金融服務存在“二八現象”，即用所有人的錢去服務20%的客戶，結果會是20%的客戶越來越有錢，而剩餘的80%的人卻可能會越來越貧窮。互聯網的基礎就是開放、平等和分享，借助互聯網金融，無論是20%的“高富帥”，還是80%的“屌絲”，都有接受同樣金融服務的權利。所以在我看來，互聯網與金融在產業上互相融合，在思想層面上，互聯網所倡導的“開放、平等、分享”精神，對於每個人來說都是一種顛覆。丁蔚：從商業銀行的角度來看，互聯網企業和金融機構之間，並非簡單的“此消彼長”替代關係。互聯網企業的經營機制、激勵機制靈活，新技術應用快，對於市場需求的反應迅速，這些都是商業銀行需要學習的。但商業銀行是經營風險的企業，無論是服務模式還是手段的創新，都離不開對風險的經營。在多年的發展過程中，商業銀行已經建立起一整套比較完善的風險控制體系，擁有非常優秀的風險文化，積累了良好的商業信譽，比互聯網企業要更懂金融。同時無論是在技術還是資本方面都具備相對雄厚的實力。還有一點不能忽視——商業銀行是在比較嚴格的監管約束下拿到“存、貸、匯”全牌照的機構。這就使銀行具有了貨幣創造的能力，可以保持流動性，而流動性恰恰是金融的生命線。因此，兩者不是此消彼長的替代關係，而是要互相學習，融合創新。我認為互聯網金融是一種產業變革，但我更傾向于把互聯網金融放在更長的時間軸上去預測它的影響。我們可以很清晰地看到，互聯網金融的演進路徑可以分為三個階段，最早是以信息技術為基礎的金融服務手段創新，其特徵就是傳統的金融服務網絡化，比如網上銀行、網上證券、網上支付等。第二個階段是借助電商平台、社交網絡等互聯網服務模式的創新，去實現互聯網金融的深化，比如很多商業銀行最近推出的微信銀行。而產業變革，其實是指第三階段——互聯網和金融的深度融合，而不再是形式的融合。我認為，能夠稱為產業變革，必然要符合這樣一個特徵，即這個變革能夠為產業帶來巨大的新增價值，互聯網金融無疑具備這樣的潛力。首先，互聯網金融使得金融資源通過更低的中間成本得到更有效、更高效的配置，更廣泛的客戶可以便捷地體驗金融服務。其次，傳統金融業受限于服務成本高、信息不對稱這兩大障礙，無法進入大量的個人客戶、小微企業的理財、融資等金融服務市場，互聯網金融為我們進入這些新的藍海市場提供了可能；同時，金融業本身具有虛擬化的特徵，是適合互聯網化的行業之一，金融和互聯網行業天然具備融合的基礎條件。商建剛：我認為互聯網金融一定會顛覆傳統的金融業。從功能來講，銀行主要有吸收存款、發放貸款以及結算功能，現在互聯網金融公司至少具備結算、發放貸款的功能。銀行最大的問題是大量成本的存在，包括不動產和員工成本。而互聯網公司都是輕資產公司，成本壓力比銀行小很多。將來，銀行肯定需要考慮如何維持大量經營網點帶來的巨大成本問題，而當銀行因為成本居高不下而不得不減少網點時，我認為這就是互聯網公司顛覆傳統銀行業的標誌性事件。駱品亮：如果將互聯網金融僅僅理解為渠道或終端變革，實際上還停留在“金融互聯網”的層次上，即傳統金融機構利用互聯網開展金融服務。對互聯網金融，我們不妨從產業生態的高度來理解，簡單地說，銀行等傳統金融機構從事全產業鏈價值活動，而互聯網金融企業主要從事產業價值鏈中某些活動環節。從發展現實看，互聯網金融企業正在擴展其活動邊界，有向上游領域延伸的傾向，因而對傳統金融機構具有一定的替代作用，形成“旁路競爭”效應。互聯網金融對傳統銀行的影響，首先是從渠道創新開始，進而倒逼銀行進行產品與業務創新。在一個理想的互聯網金融產業生態系統中，金融機構、互聯網企業、客戶群、監管機構等多利益主體將找准自己的角色定位，分工協助，形成合力，共同推進互聯網金融產業的創新發展，這就形成顛覆性創新了。插圖 李媛儲存

STEVENS POINT, Wis.迷你倉, Sept. 30, 2013 /PRNewswire/ -- While hurricane-prone regions have been fortunate during the 2013 hurricane season to date, Travel Guard (.TravelGuard.com) is encouraging travelers to remain cautious despite the slow start. The National Oceanic and Atmospheric Administration (NOAA) has predicted that anywhere between 13 and 19 named storms and six to nine hurricanes will occur during the 2013 hurricane season. Though this year's first named hurricane did not occur until late in the season (Hurricane Humberto named on September 11), what is traditionally the most active part of hurricane season has yet to come. Superstorm Sandy, which made landfall on October 29, 2012, is a harsh reminder of the potential for named storms and hurricanes to occur between now and the end of hurricane season on November 30. "The beginning of hurricane season is not necessarily a reflection of the latter part of the season," said Lori Whitt, Vice President, Travel Guard North America. "With this in mind, we encourage travelers to be prepared for a hurricane or tropical storm when they travel during hurricane season."When purchasing a travel insurance policy through Travel Guard for travel during hurricane season, it's important to remember that the policy must be purchased at least 24 hours before the hurricane is named, otherwise it is too late for travel insurance's trip cancellation and trip interruption benefit to cover losses due to the storm. Additionally, travelers should remember to take the following items into consideration should a hurricane affect their travel plans.If a hurricane makes landfall before take-off: If a storm hits a traveler's destination, they should check their hotel, airport and air carrier websites and social media channels to monitor updates for delays, cancellations and evacuations. Travelers should also sign up to receive flight status alerts on their mobile devices to be aware of delays or cancellations.If the airport from which flights are scheduled to depart is closed due to a hurricane or other weather event, travel insurance may cover the expenses incurred as a result of the delay. Additionally, reasonable accommodations and travel expenses may be covered until travel becomes possible.If a storm directly affects travel arrangements or accommodations, insured travelers may benefit from trip cancellation or trip interruption coverage. For example, if an airport is closed due to high winds, or if mandatory evacuations are enforced at an insured traveler's hotel or resort; or if roads are impassable due to high water and alternate modes of transportation are not possible, travel insurance may provide coverage. Similarly, if a resort, hotel or vacation home is damaged and cannot be used, or if comparable accommodations cannot be provided, non-refundable costs could be covered.If a hurricane occurs during the vacation: During a hurricane, travelers should closely follow the news. Travelers are strongly encouraged to follow instructions given by the hotel and local authorities. Those affected by a hurricane should stay indoors at all times, close interior doors and secure exterior doors.文件倉The safest place to be during any hurricane (or high-wind storm) is a basement, away from windows, in the middle of the room or closet.The 24/7 assistance included with many of Travel Guard's travel insurance solutions can provide valuable aid for travelers. For example, Travel Guard's emergency assistance can provide assistance for medical needs or referrals to local hospitals, assistance with cash transfers, replacement of lost travel documents, pre-trip health and safety advisories and relaying messages to family and friends back home.It's important to understand what is and what is not covered in a travel insurance policy before embarking on vacation to areas typically affected by storms during hurricane season. To keep track of the latest hurricane-related news, visit the National Weather Services' National Hurricane Center. For more information regarding hurricane coverage, visit .travelguard.com/whybuy/hurricanequestions.asp.For more information about Travel Guard's selection of travel insurance solutions and assistance service plans, travelers can talk to their travel agent, visit .travelguard.com or call Travel Guard's World Service Center at 1.800.826.1300. Travelers can also "like" Travel Guard at .Facebook.com/TravelGuard or follow the company on Twitter @TravelGuard to stay abreast of travel trends, news and views.About Travel Guard Travel Guard is the marketing name for Travel Guard Worldwide, Inc., and Travel Guard Group, Inc. Travel Guard is a worldwide leader in travel insurance solutions and assistance services, which provides products and services to millions of travelers around the globe, including a wide range of emergency services through a network of assistance centers located in Asia, Europe and the Americas. Travel Guard helps leisure and business travelers alike solve travel related problems and manage travel related risks. Travel Guard's global reach, service quality and proven operational capabilities allow travelers to receive best-in-class care. Travel Guard's suite of technology platforms enables seamless integration with all major travel distribution systems and supplier channels. For additional information, please visit our websites at .travelguardworldwide.com and .travelguard.com.This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No.19445. Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance.Contact: Shannon Semmerling / Lori Whitt Travel Guard 800.826.7791 ext.13085 / 13970 Shannon.Semmerling@travelguard.com Lori.Whitt@travelguard.comTravel GuardWeb site: .travelguard.com//存倉

台股昨（30）日結束第3季，mini storage單季加權指數上漲111點。其中，鴻海單季市值增加1,206億最多，台積電減少2,722億元最大。第3季因蘋果推出新手機發熱、中國大陸經濟回升帶動原物料景氣上升，以及兩岸金融開放題材等，成為市場聚焦主軸，帶動相關個股市值跟著水漲船高。據統計，今年第3季市值增加最多的前10檔個股分別為鴻海增加1,206億元，其次為英業達、台化、台塑均增加逾400億元，及F-晨星、中信金、國泰金、日月光、中鋼及聯發科等，都各增加2、300億元。台新投顧研究協理黃文清表示，第3季市值增加前10檔個股，主要有原物料股的台化、台塑及中鋼等；因兩岸金融政策開放受益的中信金、國泰金等。還有與手機相關的標的，如鴻海受惠於蘋果新手機推出、英業達有小米機加持，至於聯發科及F-晨星是手機IC供應商，F-晨星因將與聯發科合併，市值增加優於聯發科。至於第3季市值減少最多的前10檔個股：台積電減少2,722億元最多，宏達電也減少900多億元，F-TPK、中華電、台灣大、南科各減少300~600多億元，以及聯電、遠傳、華碩self storage和碩等，都各減少1、200億元以上。黃文清認為，電信三雄第3季因有龐大股息發放，以中華電來說，配息就達到415億元，因而市值減少與配息有一定程度關連，同時，電信股向來屬防禦型股票，在電子股整體表現佳下，電信股反不被投資人青睞。此外，台積電、華碩及和碩等股，第2季反映基本面優，股價都有亮眼表現，均創波段新高價，然到了第3季表現低於預期，使得股價推升乏力。第3季市值大增或市值大減的個股，都具有一個共通性，就是第2季股價可能相較沒有表現或大漲的個股，在比較基期較高或較低下，市值才作有較大的變動。法人表示，未來能否支撐股價或市值往上或往下，關鍵在於公司未來營運展望好壞，只要是營運展望優、營收成長動能高的個股，可獲得法人青睞，股價表現不寂寞。台股第3季曾出現逾500點的上下行情，不過，昨天以8,173點作收，與第2季底相較，只有上漲111點、漲幅為1.37％。摩根台灣增長基金經理人顏榮宏表示，操作上可尋找下半年展望佳，具業續題材族群拉回逢低布局，並建議避開消息面不佳與法人減碼股，並選擇具有題材或業績偏多操作相關個股。mini storage

Source: Philadelphia Daily NewsSept.自存倉 30--DENVER -- It was amazing afterward, how quickly just about every Eagles player and coach got to the subject of their next game Sunday against the Giants.Maybe it's unfair to suggest this was their mindset -- one foot pointed toward the charter flight home, during the 52-20 beating the visitors absorbed at Sports Authority Field -- but there were sequences in the second half that reeked of the throwing-in of towels. This is not how a new regime turns things around.Eagles coach Chip Kelly acknowledged in a couple of spots during his postgame presser that you "get down a little bit" when the other team keeps prancing into the end zone, that "you get worn down in a game like this," against a quarterback who is approaching perfection, the way Peyton Manning is playing right now for the Broncos.But here is the deal, on the final morning of September: We knew going into the season the Eagles' defense wasn't good. Nobody had this game marked as a win on their pocket schedule. Nobody had the Eagles going to the Super Bowl, or even to the playoffs. What fans want from Year 1 of the Kelly era is hope, progress, the sense that things are moving in the right direction. They don't have that right now, from a team that just gave up the most points an Eagles squad has allowed in a game since Nov. 26, 1972. And the most points any Broncos team has ever scored in a game. Note that word, "ever." As in, not in the AFL, NFL, John Elway era, Charley Johnson era. Ever.How do we know this isn't just a franchise settling into long-term hopelessness, the 2012 stretch drive repackaged with a slightly smaller coach and much faster playcalling?"I think I'll be able to answer that question on Tuesday when we come back on the practice field," Kelly said, when asked if he sees progress or growth from his 1-3 team. "If we come out and we're hanging our heads and we're feeling sorry for ourselves, then I'll say we didn't have any progress or growth. But I think we've got to understand that this is a tough-ass league, we've played against some really good teams. If you feel sorry for yourself . . . 90 percent of the people don't care about your problems and 10 percent are glad you have 'em. We gotta go back to work. That's the only thing we know how to do. We're going to go out and work and figure this thing out . . . If they come back to work on Tuesday, then I'll be excited about this group moving forward."So, first-year coach challenges team. But it's kind of a low-bar challenge: Show me a pulse by Tuesday and I'll know the season is salvageable. Also, Kelly went on to mention the Giants and the upcoming game, suggesting that he, too, would like to move past this disaster as quickly and smoothly as possible. Nobody came out and said, "Hey, the division's awful, the Giants are 0-4, and after them we play the Bucs, who also are 0-4. So let's cut our losses and move on." But that surely was implied."I don't think this is, 'Holy smokes, the season's over.' Every week's a season," Kelly said. "We knew this challenge was going to be very difficult coming in, just because of how the Broncos played their first three games," winning them and scoring 42.3 points per game."I'm looking for the guys to be looking forward to the New York Giants and a different attitude and a different approach," quarterback Michael Vick said after another day with pass rushers in his face too soon and receivers he couldn't get the ball to consistently against premini storages coverage. "It took us 3 days to get over our loss to Kansas City -- that shouldn't happen. It should hurt, because we want perfection, but we have to find a way to get our juice back and enthusiasm back and look ahead. We need to understand that we still control our destination."Do they, though? Aren't the Giants going to be just as glad to see the Eagles as vice versa? Getting blown out by a Broncos team that has now won 15 regular-season games in succession, by a quarterback who now has thrown 16 touchdown passes in four games this season, without being intercepted, might not be the end of the world. But the Eagles' defense has allowed 1,787 net yards in four games. Over 16 games, that would be 7,148. The all-time NFL record, set by the Saints last season, is 7,042.It seems reasonable to suggest that if the defense is really this bad, Kelly's offense is never going to really take wing. Too much playing from behind, too much pressure to make every drive a touchdown, too much time standing on the sideline watching slow-reacting safeties try to figure out where the ball went.And then there is the special-teams mess, which none of the principals stuck around to discuss yesterday when reporters were allowed into the locker room. Denver scored on a 105-yard Trindon Holliday kickoff return and the 17-yard return of a blocked Donnie Jones punt. It was the second game in a row the Birds have been badly outplayed in this area, another unwelcome reminder of 2012.The Eagles gained 450 net yards, only 22 fewer than Denver. But after the first drive of the second half, the visitors were never in the game.That was the sequence Kelly targeted afterward, when the Broncos took the second-half kickoff and went 80 yards in 10 plays, never facing third down, as was the case in each of their three third-quarter TD drives. As Kelly noted, the Eagles responded with a drive that bogged down after a single first down, putting the defense right back on the field, and the wheels were off. Manning retired to the bench with 10:52 left to play, having completed 28 of 34 passes for 327 yards and four touchdowns, compiling a 146.0 passer rating.The way the 21-13 first half went, if you squinted you could almost see how the Eagles might get out of here with a close, hey-we-gave-it-a-shot loss, or even, with luck, a win. The Broncos stripped those illusions away with relentless, ruthless precision. Manning completed 15 of 16 passes in the second half, for 158 yards and three TDs."He got hot there in that second half and we couldn't slow him down," Eagles linebacker Connor Barwin said. "I wish I could tell you guys what it was; I think it was a lot of things, it wasn't one thing . . . Our different looks were working in the first half. The guy's good at what he does; he kind of figured a little bit of it out in the third quarter and was able to adjust in the third quarter, make some plays on us."Eagles defensive coordinator Billy Davis was not able to bring significant pressure on Manning, who picked apart a soft zone."We ran into a pretty good buzzsaw today," Davis said. "We only have one way to go. We have to get better. Everything about the defense has to improve. We know exactly where we are and who we are. We've just got to put our head down and put all our focus on the Giants."On Twitter: @LesBowenBlog: ph.ly/EagletarianCopyright: ___ (c)2013 the Philadelphia Daily News Visit the Philadelphia Daily News at .philly.com Distributed by MCT Information Services儲存

仁寶宣布公開收購華寶，儲存引起市場關注，據了解，這是為了華寶2014年將承接蘋果低價iPhone手機的代工訂單做準備。仁寶總經理暨華寶董事長陳瑞聰昨（30）日指出，2014年華寶營收將倍數成長，最快2015年手持式裝置營收占比將達30%。各家代工廠商爭奪蘋果明年度訂單，包含緯創、英業達旗下的英華達和華寶，日前市場傳出，華寶南京廠產能恐無法因應蘋果新訂單，要奪蘋果訂單略有難度。不過，市場人士解讀，華寶和和碩都拿下2014年度的低價iPhone代工訂單，在仁寶合併華寶後，原先仁寶去年底、到今年關閉的兩座位在昆山工廠，將可讓給華寶生產iPhone的低價手機；在華寶2014年4月下市後，蘋果手機下半年就開始出貨。陳瑞聰昨天在線上法說會指出，仁寶收購華寶「是令人self storage當興奮的時刻」，華寶現在手上有三個主要客戶，其中二個客戶2014年到2015年會有相當大的成長，且公司目標是持續增加新客戶，2015到2016年時，手機將一共有五到六個客戶，可以帶動營收表現。據了解，華寶目前三大客戶為諾基亞、索尼、聯想。華寶去年營收454億元，陳瑞聰指出，今年仁寶智能裝置的營收比重約7%，在併入華寶後，營收比重上看30%，預計時間點會是在2015年，慢則是2016年，屆時整體非筆電營收比重上看40%，較目前的比重倍增。【記者何佩儒╱台北報導】身為華寶的大股東，仁寶宣布合併華寶，市場推測與華寶希望爭取蘋果訂單有關；也有手機業者認為，微軟在併購諾基亞後，勢必希望快速提升手機的銷量，因此要求仁寶選邊站，使得仁寶決定合併華寶，全力擁抱微軟。迷利倉

　　不少父母將科技產品如手機、平板電腦等視作幼兒至in的玩伴，儲存倉但外國研究指孩童花在電子屏幕時間長，「睇芒」成癮一早出現，此對幼兒並非好事，家長也要反思。　　2、3歲的幼童還未開始上小學，走路一搖一擺，但不少已迷上玩電腦、玩App（應用程式）。科技產品普遍，手機或電腦如laptop、iPad等大行其道，大人玩得不亦樂乎，不少父母也讓幼兒自小接觸。科技產品普及 新學習平台　　美國不少研究指，即使幾歲幼兒也有使用科技產品經驗，小小眼睛看�不同的電子屏幕，便已佔據了他們不少時間。　　英國心理學家Aric Sigman進行研究，指一名7歲兒童的睇「芒」時間，便已等同差不多1整年，而且更有「多屏幕」情況，即有時是一邊看電視、一邊玩手提電腦。　　不過，年紀小小就長時間專注於各類科技產品，是否好事呢？外國有專家便提出幼兒出現「屏幕上癮」（screen addiction）的問題，此不止關乎降低專注力，對�屏幕時間愈長，會換來肥胖率上升、視力不好，也有研究指近年兒童多花時間於各類科技產品上，連拿起書本閱讀的時間也減少了。　　而且自小對科技產品開始依賴，則可以想像，年紀愈長，情況便更趨嚴重。　　現時不少學童成為低頭族，出現手機或上網成癮，致一旦脫離科技產品便有機會出現抑鬱或社交問題等，早已響起警號。2010年有研究便發現，8至18歲群組，對�屏幕已動輒佔清醒時間的75%。　　幼兒對「芒」時間長，並不是外國獨有現象，本港也不遑多讓。造成這情況的原因也不難理解，或許不少家長也有經驗，就是當幼兒大吵大鬧，給他一部手機或iPad，啟動一些遊戲App，便可轉移其注意力，自顧自玩，省卻工夫，這和以往開�電視令孩子停迷你倉最平吵鬧，其實同一道理。　　不過，今時今日，有不少家長或覺得，讓孩子愈早接觸科技產品，比起看電視好，既是世界趨勢，而且各類學習軟件及App愈來愈多，這視之為新的學習平台，幼兒即使日夜對住「芒」玩不停，也可有益處。　　美國西北大學曾有調查亦反映，大部分家長認為科技媒體對兒童有正面而非負面影響，例如認為可提升創意、學習能力等，逾半家長不會留意子女接觸科技產品的時間。本港近年為幼兒而設的手機App市場，大行其道，家長亦樂於掏荷包購買。家長須反思 3歲前不宜接觸　　近年英美均有專家提出，別任由幼兒對「芒」�迷，包括英國心理學家Aric Sigman認為，3歲前不宜接觸電子屏幕，又建議父母應限制子女對屏幕的時間；美國兒科學會近年也建議，不要讓2歲或以下的孩子對�屏幕；澳洲政府的健康部門，則也建議2歲以下不要看電視或使用科技產品。　　對於家長來說，對此建議又是否認同呢？誠然，看�子女日日低頭睇「芒」，家長也明白有健康風險，又或擔心日後成為低頭族，但在科技主導的今天，多接觸科技產品，也是生存之道。　　父母希望子女早點掌握新科技，學校又何嘗不是一早推及，例如英國教育部便準備2014年起，規定5歲幼兒學習程式設計概念；美國麻省理工學院亦已發展專門供8歲兒童學習的程式設計語言。再者，就算家長要幼年子女減少接觸電子屏幕，惟不少學校已推行電子學習，以電腦遊戲輔助學習，又或要求學生用電腦交功課。　　無論社交生活、學習等，都已離不開各類科技產品，日日對住「芒」已成為大趨勢，科技產品固然有其方便好處，既是玩樂也可有助學習，重點是父母如何培養子女有自控能力，不致過於沉迷，若父母也在子女面前做低頭族，又怎可期望子女懂得節制？儲存

Source: Times Union, Albany, N.儲存Y.Sept. 30--ALBANY -- The procession following a special liturgy for students who attend the four diocesan high schools concluded at the Cathedral of the Immaculate Conception. Three priests who helped celebrate the 11 a.m. Mass made a beeline for the sacristy to change out of their vestments and head to lunch.Not the Most Rev. Howard James Hubbard.The bishop of Albany planted himself in the middle of the aisle at the back of the cathedral, held out an open palm and smiled.For the next 10 minutes, Hubbard shook the hand of every student, all 900 of them, as they streamed out of the cathedral. It was a timeless ritual of the shepherd of the Albany Roman Catholic Diocese greeting his flock."Amazing," said Joseph Salamack, head of Bishop Maginn High School. "He still chooses to greet every single kid."Those students were not alive when Hubbard became the ninth bishop of Albany on March 27, 1977, at age 38. He prostrated himself on the altar erected in the Siena College gymnasium for his ordination, symbolizing servitude. He became the youngest prelate in the country and was dubbed "the boy bishop." He wore his reddish sideburns long back then.Today, Hubbard is the longest-tenured bishop of a single diocese in the nation. On Oct. 31, when he turns 75, the mandatory retirement age for a bishop, he must submit a formal resignation to the Holy See in Rome. That will set in motion a secretive, complex process as the Vatican chooses his successor. It could be a few months, or a year or more, until the 10th bishop of Albany is named.It will be a change of historic proportions for the diocese's 400,000 Roman Catholics in 14 counties across upstate New York.Hubbard has been the only bishop many have ever known. He shaved his sideburns decades ago and his close-cropped hair has turned the color of pewter beneath his bishop's bright red beanie. His reedy voice has begun to quaver a bit and his rail-thin frame has stooped slightly.In recent years, a chronic decline in vocations to the priesthood, the weight of the clergy sex abuse scandal and the emotional tumult of closing half of the diocesan schools and shuttering more than two dozen parishes etched deep lines into his boyish face and seemed to accelerate the aging process, leaving him at times looking pale and drawn.Pressed for a self-assessment of his 36 years as a bishop and 50 years as a priest, in typically understated fashion he responded with a baseball analogy.Even the greatest hitters in Major League Baseball only got one hit out of three tries at bat and a .333 lifetime batting average earns induction into the Hall of Fame in Cooperstown, he noted."I hope that I batted at least .333, which means I missed at least two out of three," he said, and paused.He has been a fervent baseball fan since his boyhood in the Lansingburgh section of north Troy. He listens to ESPN sports radio when he drives his brown 2009 Ford Taurus, with 120,000 miles, on long solo road trips to parishes around the diocese. He roots for the Boston Red Sox and is famous for needling confirmation candidates who profess allegiance to the New York Yankees.A late-afternoon silence gathered in a formal sitting room, where he does most of his business in the chancery's office suite at the Pastoral Center at 40 N. Main Ave. in the Pine Hills neighborhood. He has a habit of tapping the toe of his black dress shoe when he grows pensive or is searching for a thoughtful answer to a difficult question.The only sound was the soft tap of a toe on the carpeted floor. After several moments, he said softly, "I tried to be a disciple of Jesus and a compassionate shepherd. I didn't always succeed, but I tried my best."This is a time of taking stock for the bishop, who raised more than $190 million for the Bishop's Appeal during his tenure and led a nearly $20 million restoration of the cathedral, which is not yet finished. Several honorary dinners and liturgies are being planned for Hubbard. Masters of ceremony will strain to find new superlatives. Siena College will host an academic symposium on Oct. 29 in honor of Hubbard, including remarks by Archbishop Harry J. Flynn, emeritus of the archdiocese of St. Paul and Minneapolis.The Siena symposium will bring together scholars to speak about central themes of his time as bishop: social justice, lay leadership and interfaith dialogue."Those are three things he has always believed in and he supports them in good times and in bad," said the Rev. Kenneth Paulli, chief of staff at Siena and an organizer of the symposium. "The bishop lives his faith and does not sway with the wind of popularity.""We see him as embodying a distinctly Franciscan focus on service leadership," said Tom Dickens, chair of the religious studies department and an organizer of the symposium. "He is first and foremost a pastor concerned about people suffering in his community."On a wall of Hubbard's sparsely appointed personal inner office at the Pastoral Center, where he rarely invites visitors, is a framed quote from St. Francis of Assisi: "Preach the Gospel at all times. If necessary, use words.""His legacy in building bridges between the Catholic and Jewish community is immeasurable," said Rabbi Scott Shpeen of Temple Beth Emeth in Albany, where Hubbard spoke on several occasions. The two worked together on many interfaith programs. "We have a wonderfully comfortable and collegial relationship with him. He is referred to as 'our bishop' at the temple."Hubbard's tenure is coming to an end during a stunning six-month start to the papacy of Pope Francis, who shares a kindred message to Hubbard's of living humbly, reaching out to society's marginalized and focusing on forgiveness rather than punishment. Hubbard's progressive views on drug addicts and prisoners, and advocacy of sometimes unpopular social justice issues that put a priority on helping the poor, homeless and people with HIV/AIDS clashed with the rigid ideology and tone of conservative orthodoxy of popes John Paul II and Benedict XVI. Perhaps, too, it thwarted any possibility of Hubbard's promotion to cardinal."I've always seen him as more of a moderate than a liberal, but Pope Francis confirms for Howard the fact that his original vision of a pastoral approach and following the Gospel was right and good," said the Rev. Christopher DeGiovine, dean of spiritual life at The College of Saint Rose. "The church under the last two papacies did move to the right and Howard's vision was seen as a little bit out of step."When he became bishop, Hubbard sold a big house along New Scotland Avenue where previous bishops had lived in luxury with a domestic staff. He gave up the driver and big, fancy car. Hubbard also left behind another bishop's residence where he once lived, a palatial Sanford White-designed townhouse on State Street along Washington Park owned by the diocese.The bishop collects an annual salary of $33,508, the same as any priest with a similar number of years of service.Since 1992, Hubbard has chosen to live in almost monastic simplicity in a nondescript, squat brick building across the street from the cathedral. On a recent lunch hour, he entered through a front door and stopped to say hello and shake hands with a dozen people lined up in the vestibule and awaiting free groceries from the food pantry. Upstairs, his small bedroom contains a single bed, a bedstand and an overstuffed bookcase where books, curled-back magazines and folded-over newspapers pooled on the floor.Across the hall, a slightly larger room serves as his office. It has a simple desk, two cloth recliners, a small television, a bookcase and a treadmill. There are a few personal photos: his mother, his two sisters and several of his 13 nieces and nephews and his sisters' 27 grandchildren and two great-grandchildren.He picked up an old black-and-white photo of his First Communion at St. Patrick's parish in Troy. "We all looked scared," he said, chuckling.He has a simple morning routine. He is on the treadmill by 7:30 a.m. and jogs for 2 1/2 miles at a moderate pace. He has maintained a 35-inch waist for decades. He writes on a desktop computer for a few hours: articles for the diocesan newspaper the Evangelist, homilies and memos. "I have to write a lot, but it doesn't come easy," he said.He planned to attend self storageiena College and was considering a career in journalism or the law before deciding he was called to be a priest. He entered Mater Christi Seminary in Albany a month after his high school graduation.Around 11:30 a.m. each weekday, he drives to the Pastoral Center, where he works on diocesan business the rest of the day. He eats lunch in the cafeteria, typically a plain turkey sandwich, and makes a point of chatting with cafeteria workers. Most nights, he has a talk to give or a function to attend. He'll get back to his apartment late at night and if there was no food at the event, he'll look through a refrigerator in the food pantry kitchen for leftovers. He'll heat up a pasta dish or some simple fare in a microwave. Sometimes, he resorts to what he calls "the old standby": a peanut and butter jelly sandwich.Six blocks from where he lives now, Hubbard cut his teeth in the 1960s as a street priest in the so-called "Gut" of the South End. He drove alcoholics and heroin addicts to detox and had to plead with hospitals to take in these broken souls at a time when there were no formal programs. He gathered donations of food for the hungry. He found apartments for people who had no place to live, long before the term "homeless" was coined. He set up Providence House and Hope House, a storefront center for social services on South Pearl Street. He was a minority in the predominantly African-American neighborhood, where he labored for social justice in microcosm. It was often messy work. In his priest's black shirt and white Roman collar -- armed with no more than a soft voice, a gentle demeanor and a placid personality -- he walked and talked his faith. He was an oasis of prayerful calm amid a brawling quadrant marked by homicides, assaults, arguments with prostitutes, crackdowns by cops and the corrosive effects of cheap heroin and liquor.He lived for 10 years in the former St. John's rectory on South Ferry Street. It is now used as transitional housing for homeless people seeking treatment for addictions. Hubbard shook hands and chatted with residents before climbing a narrow, creaky stairway to the third floor."This was my room," the bishop said. It is a narrow, cramped and dark attic space, illuminated by a small dormer window set back into a low, sloping ceiling. Hubbard lived in this room for a decade.The current resident, a formerly homeless man, demands a room change. He said it is too small and gloomy for him.The Rev. Peter Young runs a housing, industries and treatment program, including the one in the old rectory where he lived with Hubbard in the 1960s. He served as a mentor and firebrand in contrast to Hubbard's quietly consistent leadership. They opened the building to two dozen men trying to get clean and sober."It was a war down there in those days," Young recalled. "Guys were dying every day. We were revolutionaries and Howard was with me every step of the way. I was an angry combatant. Howard calmed me down. He's much smarter and more diplomatic than I am.""He identifies with the poor and has never wavered in his commitment to social justice and advocacy," said Maria Markovics, co-director with husband Roger Markovics of United Tenants of Albany, a grass-roots advocacy group that has helped low-income people find housing since 1973. Hubbard hired the couple, in their early 20s to work at Providence House. "He's the model of what Christianity should be.""I've seen his kindness and compassion in many ways," said Sister Mary Ann LoGiudice, executive director of Community Services, which assists pregnant teens. She recalled Hubbard in the 1970s saying Mass for the teen mothers on Saturday nights, joining them for pizza parties and running a therapy group. When LoGiudice meets women who were in the program decades ago, they invariably share recollections about the bishop. Hubbard was also instrumental in helping LoGiudice gain permission from church authorities to be allowed to adopt and raise a young orphaned girl with HIV/AIDS who had been sent to live at the Farano House in Albany.More than anything else, Hubbard's tenure as bishop and his entire priesthood was shaped by the Second Vatican Council. Pope John XXIII opened the groundbreaking ecumenical council on Oct. 11, 1962 and the council concluded in 1965, two years after Hubbard was ordained. Hubbard presented a personal reflection on the Second Vatican Council in an hourlong scholarly lecture on Sept. 4 at for the St. Bernard's School of Theology and Ministry opening convocation."This set forth a radically different vision of the church and it became my blueprint for serving people," Hubbard said. He praised its more pastoral model, with a greater focus on helping the needy and less rigid structure of church hierarchy. He said he embraced this new tone of collegiality and collaboration in the motto he took when he was made bishop: "Rejoice, we are God's people."He said he took to heart the council's call to increase the role of lay people in the church. "As bishops, we were no longer just the branch managers of the church," Hubbard said. "It was an inclusive view of mission and ministry.""He has given us a big vision of a big church, a church that is very wide and welcoming, with a heart for justice," said Sister Kitty Hanley, director of the Albany branch of St. Bernard's, based in Rochester.Bishop Emeritus Matthew H. Clark, 76, who retired last year as bishop of the Rochester diocese, was in the audience. The two met nearly 60 years ago as seminarians at Mater Christi. Clark is Hubbard's longest and closest personal friend. "He's very much the person I've known and began to admire all those years ago. He's a kind, sensitive and humble man with a sharp intellect," Clark said.Nobody can understand the strain of what Hubbard faced as well as Clark, who had to deal with similar issues in Rochester. During the height of the pedophile priest scandal and a 2004 investigation into allegations of sexual misconduct against Hubbard, the two spoke frequently on the phone. An extraordinarily intrusive investigation by former prosecutor Mary Jo White concluded with a 200-page report that found "no credible evidence" to the allegations made by man about sexual encounters with the bishop and left a $2 million legal bill for the diocese."I don't know how he got through that time because it was so horrible," Clark said. "His character really shone through during that period."Some have not yet forgiven Hubbard, even after he apologized from church pulpits in years past."Bishop Hubbard put a tremendous amount of effort and work into preserving and protecting predatory priests over and above helping the victims who decided to come forward to speak of their abuse," said Mark Lyman, director of the Capital Region chapter of the Survivors Network of those Abused by Priests, or SNAP. "We are still frustrated and hurt."I lost my faith because of this. It does not go away," said Lyman, 49.He filed a lawsuit against the priest he said abused him beginning at age 14 in 1978 in Troy, but New York's statute of limitations requires a victim to file a lawsuit by age 23. Members of SNAP are working to eliminate the statute of limitations."I acknowledged to the people in the diocese that I did not always handle it the best way, in retrospect, and I apologized," Hubbard said last week. "What I will say with a clear conscience is that I never received a complaint from a victim that I did not take seriously. For victims and people who believe that bishops were engaged in a constant coverup, they probably cannot ever forgive."Hubbard has no plans to leave the area when he retires and hopes to continue to serve the diocese in the areas of social justice, lay leadership and interfaith dialogue. He said he intends to continue to live simply, perhaps in a parish rectory.There is one alcove left in the cathedral's crypt, where bishops are entombed. After Hubbard dies, his casket will be lowered through a mechanical trap door in the sanctuary floor."Yes, that last spot in the crypt is for me. Unless I outlive my successor," the ninth bishop of Albany said with a sly grin.pgrondahl@timesunion.com, 518-454-5623Copyright: ___ (c)2013 the Times Union (Albany, N.Y.) Visit the Times Union (Albany, N.Y.) at .timesunion.com Distributed by MCT Information Services迷利倉

【本報記者甄子鏘報道】內地4G牌照年底發放的風聲已流傳一段時間，儲存早前工信部部長苗圩曾亦透露，牌照或今年年底發放。而工信部已發放首批4G手機入網許可，並於杭州、寧波、溫州三地的移動公司發售。而中移動(0941)廣東網站亦顯示，廣東移動已開始預約辦理4G業務。據《新華網》報道，工信部在批准4G牌照前，已發放內地首批4G手機入網許可，並於杭州、寧波、溫州三地的移動公司全國首發。據悉，獲得許可的是三星、索尼、中興(0763)和酷派4個品牌4種機型的4G手機，支持mini storageD-LTE/TDS/GSM等模式。報道引述浙江移動有關負責人稱，杭州、寧波、溫州一直是4G試點城市，早已實現移動4G覆蓋，因此得以在4G牌照獲批之前發放4G手機。除以上三地，中移動的廣東移動已開始預約辦理4G業務，用戶從周一起能在官網網上預約，審核通過後，10月底前去相應的營業廳辦理，而最終開放辦理時間將以短訊另行通知。此次活動僅限廣州及深圳。受惠於4G牌照即將發放，中興昨日逆市升0.75%，收報16.04元。而中移動就跟隨大市跌1.7%，收報86.65元。self storage

身兼青海省政協委員、深圳市福田區政協委員、廣東省汕頭市政協委員等多項功職於一身的金運佳集團控股有限公司董事局主席洪子晴，self storage在眾人眼中，她是當代女性的典範。洪子晴憑藉聰慧的頭腦和努力不懈，將自己的事業宏圖發展不斷壯大，成功晉升至今日的商界女強人；雖然她在事業上獲得了成就，但卻從不驕傲，相反，其樂善好施的性格，令她更加積極參與各種慈善工作來回饋社會，且贏得了社會無比的讚譽。文╱攝：何全益洪子晴年少時已具有很好的商業睿智，16歲出頭，已懂得營商之道；當年香港正流行派對熱潮，她就看準這點，以搞手身份經營舉辦派對，每位入場人士收費30元，而舉辦一次約有70-80人報名，單是一天的純利潤已有1500元，這可觀收益幾乎已是當時一般工人的每月薪酬，可見洪子晴的營商智慧，早在那時已開始萌芽。天生一副美人胚子的洪子晴，很早便被星探發掘成為廣告明星，她曾接拍無數知名品牌廣告，在內地、香港、甚至日本都有播出，而當時每拍一個廣告的收入也是相當可觀的，若然酬勞高的話，幾乎相等於當時工人一年的工資。洪子晴憶述時，還依然清晰記得第一個接拍的廣告是P&G品牌，單是一天的拍攝收入，酬勞就有15000元。其後，她更發展到模特兒工作，其收入亦十分可觀，另外還有為報紙、雜誌、影視、時裝等媒體作廣告，令她火速成為了當時知名的廣告明星。洪子晴運氣的確相當不錯，及後她又被亞洲電視監製、導演發掘拍攝音樂MTV，且還獲得了1988年亞洲電視「最具天生麗質」選美大賽冠軍，為她的星途事業增添幫助。好學不倦的洪子晴，隨後更得到了著名歌唱家戴思聰的賞識而學習唱歌，之後又簽約了著名經理人陳淑芬的恆星唱片公司當歌星。不過成名的代價是追求者太多，而且洪子晴覺得娛樂圈比較複雜，亦是大染缸，所以她決定毅然放棄自己的演藝事業。眼光獨到創造商機急流勇退，未嘗不是好事；當廣告明星和演藝事業，令洪子晴得到了一筆可觀的積蓄，這亦促使她積極嘗試自己創業，並於18歲那年，創立自己首家的房地產公司「新江地產公司」，賺取人生的第一桶金。洪子晴伺準當時香港樓市正打得火熱，決定從樓市買賣中作為起步點，事實亦證明她當日的決定是正確的；由她一手策劃的房地產公司由最初尖沙咀的小小辦公室，擴展至大型物業代理，業務穩步發展，為她日後營商建立了良好的根基。有了穩健的業務，不甘墨守成規的洪子晴開始向其他方面發展，除了鞏固本身的房地產工作外，她亦與好友合資於內地投地當小型地產開發商，將業務範圍不斷伸延擴展。直至現在，洪子晴已是幾家集團公司的主席兼行政總裁，公司亦已經遍布內地、香港、新加坡等地，除了房地產業務外，她還染指投資、金融、石油、礦業、電訊、健康產品、環保產品等多方面範疇，成就如日方中。現時，洪子晴於內地正積極開拓發展土地資源，繼早年的新疆開拓之外，近年於洛陽、西安、哈爾濱等地亦投放大量資源開發。洪子晴表示已與洛陽政府達成開發協議，並有達7200畝土地供開拓發展，而她對洛陽這充滿歷史文化背景的古城充滿信心，認為是舊城開發項目中難得一次的機遇，對於推動當地旅遊，將會帶來極大經濟效益。此外，洪子晴近日亦正�力發展天然資源方面投資，如早前收購的新疆水源便是一個例子，它是由喀什米爾三大峰之一的木斯格爾峰所存有的水源，其水質清徹天然，礦物質高，而且�性極低，對人體健康有�很大益處。另外，她近期亦於新疆發展駱駝奶產品，駱駝奶是一種新開發、且非常罕有的產品，其食用功效非一般健康產品可以代替，而且其研發技術現時只有洪子晴的公司獨有，市場並無其他同類型產品。駱駝奶的元素除了成份天然健康外，亦對降低都市病發方面有�一定幫助，是健康食品中少有的產品。洪子晴表示，天然水與駱駝奶產品皆為極具潛力產品，她的目標，是要將健康訊息帶至全世界，志願為人類健康作出貢獻。堅毅不屈樂善好施對於自己事業的一帆風順，洪子晴表示人生有很多挑戰，在她的人生字典裡是沒有什麼解決不了的，所以她覺得女性是可以很堅強、很能幹的，也能擔任指揮家的角色。在堅毅性格背後，洪子晴也有溫柔的一面，她的體諒、關懷個性，加上一顆樂善好施的心，同樣贏得迷利倉會的嘉許和讚譽。洪子晴覺得自己是很有福氣的人，她覺得成功要有一顆感恩的心，也要將福氣帶給不幸的人，幫助更多的人。洪子晴從小就希望世界都和平、人人快樂健康、小孩子有書讀，而且長大後能孝順父母，並且都能為社會、為國家作出貢獻。為達成幫助貧苦大眾，在貧困山區建學校，為農村建醫療診所，助養孤兒，探訪老人……等善行，洪子晴於2008年8月先以個人名義捐獻一百萬元成立了「洪子晴慈善基金會」，並將自己公司今後每年的盈利捐出10%撥作慈善用途，將慈善基金以集團運作方式運行，令其有更大效益和回報，讓善款不斷增多去幫助更多人。她更希望可以利用更多的資源、金錢、招募義工去幫助世界上不幸的人。她亦經常積極參與贊助不同慈善機構活動，幫助社會，不遺餘力。2008年11月，洪子晴更親身到地震災區四川、甘肅、蘭州、天水、禮縣考察災後重建學校事宜，禮縣有486所學校，在地震後，只剩下100多所學校是完整的。她希望為當地貧困山區小孩建學校，要給他們建牢固安全的學校，讓他們可以安心讀書。洪子晴隨後斥資捐助於禮縣重建中心學校，並命名為「洪子晴愛心學校」，另外，她還在四川省宜賓市屏山縣建立佔地面積為500平方米的學校，學校建成後可滿足屏山縣福延鎮照寶、中壩、松樹、杞木四個村共計3000人口的教育需求，對於進一步提高義務教育的普及程度具有十分重要的作用。為保證廣大師生的生命安全，基金會還對更多質量較差、日久失修的學校進行維修加固，為教育發展做更多的貢獻。親力親為傳揚愛心2009年，洪子晴特意推出勵志慈善唱片，希望激勵香港人不怕艱辛，自強不息，努力奮鬥，作更多正面的灌輸，為港人加油。同時希望香港人有更多的正面思想，凡事不要氣餒，不要有小小挫折就茫然輕生，因為生命實在太可貴，沒有東西比生命更重要，所以只要不放棄，肯努力，明天一定更美好，彩虹終會出現。這次慈善唱片活動，洪子晴出錢出力，為慈善捐了一百多萬元，她宣布此次慈善唱片的所有收益不扣除任何製作成本，籌款五百萬全數平均捐贈予香港紅十字會、世界宣明會、樂施會、無國界醫生四大機構作為慈善用途，亦會招募更多義工、志願者加入基金會一起做慈善，造福人群。在這二十多年來，洪子晴不斷積極參與無數公益、慈善，探訪老人、弱智兒童、精神病院、孤兒等工作；她深深感到自己對社會要有一份責任心，決心要為社會和世界做出貢獻。當年許冠傑的名曲「浪子心聲」，更深深打動了洪子晴的個人情感和感受， 「心公正，白璧無瑕，行善積德最樂也」，這歌詞就成為她做人的座右銘。二十多年來，洪子晴曾參與紅十字會機構贊助人、無國界醫生贊助人、救世軍贊助人、匡智會贊助人、世界宣明會贊助人、善寧會贊助人、樂施會贊助人、香港CEO慈善基金贊助人、香港眼科慈善基金會、兒童心臟基金會、葵青獅子會、Watoto Child Care Ministries、CECES幼聯慈善機構、香港公益金、仁濟醫院、博愛醫院、保良局、苗圃行動、香港華光功德會、慧研雅集和香港聖約翰爵士香港弱視兒童基金會、軒轅教育基金會等的公益活動，更是香港新城電台慈善大使。這個世界上實在有太多不幸的人需要我們伸出援手，所以更需要一些有愛心和幸運的人去幫助他們，但這些都離不開愛心和金錢，所以洪子晴就不斷增值和努力工作賺錢，希望不只捐出愛心、關懷和金錢，更要為社會做出貢獻，做一個對社會有承擔、有責任感的人，亦要將這一份愛和凝聚力感染全世界，希望有能力的人也倣傚自己，幫助更多人。所以她覺得女性是可以很堅強、很能幹、女性也可以在國家、社會擔任重要角色，現在很多國家元首也是女性，也可以為國家民眾貢獻力量。洪子晴表示，希望將來基金會有更多資源，可以將這份愛和慈善活動擴展至全世界，不只中國人、香港人受惠，以至全世界諸如非洲等貧困地區均能受益，所謂世界大同，不分種族，令全世界人都能蒙福受益。洪子晴認為沒有什麼可比做慈善、幫助人更開心，而且施比受更有福，能夠幫助人，是一份福氣，所以她時常感恩上天賜予她的一切，亦給她能力去幫助這個世界上不幸的人；她擁有如斯崇高無私的理想，的確是值得世人欽佩與讚美。自存倉

ATLANTA, Sept.儲存倉 30, 2013 /PRNewswire-USNewswire/ -- The U.S. Small Business Administration announced today that federal economic injury disaster loans are available to small businesses, small agricultural cooperatives, small businesses engaged in aquaculture and most private non-profit organizations of all sizes located in Baker, Columbia, Gadsden, Hamilton, Jackson, Jefferson, Leon and Madison counties in Florida as a result of excessive rain that began on April 1, 2013.(Logo: photos.prnewswire.com/prnh/20110909/DC65875LOGO)"These counties are eligible because they are contiguous to one or more primary counties in Georgia. The Small Business Administration recognizes that disasters do not usually stop at county or state lines. For that reason, counties adjacent to primary counties named in the declaration are included," said Frank Skaggs, director of SBA's Field Operations Center East in Atlanta.Under this declaration, the SBA's Economic Injury Disaster Loan program is available to eligible farm-related and nonfarm-related entities that suffered financial losses as a direct result of this disaster. With the exception of aquaculture enterprises, SBA cannot provide disaster loans to agricultural producers, farmers, or ranchers.The loan amount can be up to $2 million with interest rates of 2.875 percent for private non-profit organizations of all sizes and 4 percent for small businesses, with terms up to 30 years. T迷你倉最平e SBA determines eligibility based on the size of the applicant, type of activity and its financial resources. Loan amounts and terms are set by the SBA and are based on each applicant's financial condition. These working capital loans may be used to pay fixed debts, payroll, accounts payable, and other bills that could have been paid had the disaster not occurred. The loans are not intended to replace lost sales or profits.Applicants may apply online using the Electronic Loan Application (ELA) via SBA's secure website at https://disasterloan.sba.gov/ela.Disaster loan information and application forms may also be obtained by calling the SBA's Customer Service Center at 800-659-2955 (800-877-8339 for the deaf and hard-of-hearing) or by sending an e-mail to disastercustomerservice@sba.gov. Loan applications can be downloaded from the SBA's website at .sba.gov/disaster. Completed applications should be mailed to: U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.Completed loan applications must be returned to SBA no later than May 27, 2014.For more information about the SBA's Disaster Loan Program, visit our website at .sba.gov/disaster.Contact: Michael Lampton Email: Michael.Lampton@sba.gov Phone: (404) 331-0333Release Number: 13-772, GA 13785Photo: photos.prnewswire.com/prnh/20110909/DC65875LOGOU.S. Small Business AdministrationWeb site: .sba.gov/儲存