作者:張豔平本報記者王軍2010年12月,迷你倉最平邢(台)和(順)鐵路項目建議書獲得國家發改委正式批復,並于2011年正式開工建設。過去的100年間,順濟[順德府(今河北邢台)至濟南]鐵路多次被政府提議修建,卻因為種種原因最終未能實現。邢(台)和(順)鐵路與在建的邯(邢)黃鐵路連接,共同構成了邢台市和晉中南、豫北地區的一條重要貨運通道和出海通道。加快邢和鐵路建設,對增強邢黃鐵路功能,構築大十字交通運輸樞紐,拉動邢台市經濟社會發展具有極其重要的意義。然而,就是一條這樣頗具社會意義、被期盼了百年的鐵路,卻一度遭到�多邢台市民的質疑和反對。圍繞邢台鐵路是否應該修建展開了一場大“辯論”。百年鐵路帶來“不可治癒”的創傷從100年前的順濟[順德府(今河北邢台)至濟南]鐵路到如今的邢(台)和(順)鐵路,這條飽含大家期望的東西向經濟交通大動脈,終於在百年之後得以最終成為現實。新建一條鐵路,這放在以往,人們會歡呼雀躍。但時過境遷,在汙染嚴重困擾邢台的今天,擬建一條以運煤為主的鐵路,立刻引發了市民的廣泛關注。更多的邢台市民對修建邢和鐵路提出了異議。市民認為在邢台大氣環境狀況亟待改善的今天,再新建以運煤為主的邢和鐵路,有可能導致新的環境汙染。邢台市民“愛邢台”(筆名)在邢台各大門戶網站論壇發帖表示,邢(台)和(順)鐵路是一條煤炭貨運專線,該鐵路的建設和運營,將給邢台市的生態環境建設和經濟社會發展帶來一些不良影響。該條鐵路穿越了邢台市太行大峽谷國家級風景區、河北邢台峽谷群國家地質公園、天河山省級風景名勝區、九龍峽省級風景名勝區等四個主要風景區。這四個景區都是邢台市傾力打造的旅遊業發展龍頭,邢和鐵路的建設和運營,將切割景區視覺景觀,對全市旅遊產業的發展帶來不可治癒的創傷。他還認為,針對邢台市近期連居全國大氣汙染城市之首的現實,表明邢台市資源環境已經異常脆弱。邢和鐵路規劃方案以路基、橋樑形式穿越了邢台水源二級保護區,將不可避免地影響市區飲水安全。同時,邢和鐵路是一條以煤炭貨運為主的線路,煤炭運輸過程中產生的揚塵或灑落,不僅對大氣造成影響,揚塵隨雨水下滲也會對潛水產生一定影響。與此同時,邢(台)和(順)鐵路運營中產生的噪聲、粉塵、垃圾等,將嚴重影響城市生態環境,影響城市品位提升和宜居宜業的長遠發展。邢台市民張德認為,目前,全國都在致力于轉型升級,其中重要一環就是改變能源結構。“邢台能源仍以煤炭為主,能不能儘快改變這種狀況,大氣汙染防治是一個契機。”如果這時候建了以運煤為主的鐵路線,必然導致大量煤炭進邢,在成本核算面前,各企業必然不再考慮採用新能源,進而遲滯了邢台結構調整、轉型升級的步伐。況且,大量煤炭在運輸過程中將不可避免地產生揚塵或灑落,肯定會加劇大氣汙染,也會造成地下水資源的汙染,給我們本來就已經脆弱的環境“雪上加霜”。針對鐵路修建會給城市環境帶來哪些不利影響,沿線周邊的居民又是如何看待邢(台)和(順)鐵路興建這一問題,近日,《中國企業報》記者來到邢(台)和(順)鐵路的起點———邢台小康莊站。記者前往橋東區東郭村鎮小康莊村,實地採訪這裡的村民,瞭解他們對興建邢(台)和(順)鐵路的看法。村民趙先生告訴記者,很多年來,他們村村民深受煤粉等汙染之苦,如果要再建一條以煤炭運輸為主的路從他們那裡過,村民還要再次受苦。“鐵路就從我們村邊過,如果山西過來的煤從我們這裡轉運,必然會導致揚塵,新的煤粉會再次籠罩我們小康莊。”趙先生說,他們村有800戶,其中多數村民表示反對這個工程。“小康莊不能再汙染了。”對邢台經濟發展舉足輕重面對多數市民的質疑和反對,部分市民也提出了對鐵路修建的讚成和支持意見。採訪中,邢台市民劉雙平告訴記者,邢和鐵路建設勢在必行,邢台不應錯失發展機會,應該加快建設步伐,實現經濟早日騰飛。市民翟明哲認為,這條鐵路的修建雖然在一定程度上會對邢台的生態環境造成一定的影響,但這條歷經百年滄桑的東西向經濟大動脈會對整個邢台的經濟發展起到舉足輕重的作用。邢和鐵路有利於打破邢台南北擠壓、東西阻斷局面。建設邢和鐵路,能夠促進邢台物流業發展,加快邢台成為冀南物流基地,創造更多就業機會。西煤東運,有利於緩解邢台企業能源需求,有利於吸引外地客商投資落戶。邢台西部景區�多,有利於帶動旅遊業發展,將來開通旅遊專列,將外地遊客源源不斷運往景區,有利於帶動山區致富,把山區物產運到全國各地,方便群�出行,促進經濟發展。支持的一方還認為,建設邢和鐵路和保護生態環境並不矛盾,可以通過調整線路來化解生迷你倉問題。鐵路具有占地少、能耗低、汙染小、運量大、全天候等多種比較優勢,是節能環保型的運輸工具。相比高速公路和一般公路,鐵路運輸具有安全性高、環保節能等優勢。“從環評報告中我們也能看到,邢和鐵路多半部分都處在隧道中,對邢台西部山區的風景旅遊區不會造成生態環境破壞。”官方稱對沿線生態環境影響不大針對邢台市民就邢和鐵路的修建所產生的兩種相反的觀點,記者也查詢了相關政策同時咨詢了歷史研究學者。採訪當日《中國企業報》記者拿到了一份《新建鐵路<邢台至和順線環境影響報告書>簡本最終稿》(以下簡稱《環評報告最終稿》)。在這份《環評報告最終稿》中記者看到,該報告共62頁,其中詳細說明瞭邢(台)和(順)鐵路修建方案以及修建會對轄區生態環境產生的影響及對應解決方案。據瞭解,邢和鐵路原方案共有兩個,一個是從白馬河北岸接入邢台市區,另一個是從城南的大沙河北岸接入邢台市區。但記者隨後從《環評報告最終稿》中看出,與邢和鐵路原來的兩種建設方案相對比,此項工程的最終方案經過了嚴密的規劃及勘測,其中涉及了邢台多個景區和二級保護水源地。記者在《環評報告最終稿》中看到,報告針對涉及的邢台景區和水源地的環境保護措施制定得比較詳細,同時也提出了相應的應急處理預案。《中國企業報》記者11月28日採訪了邢和鐵路環評報告的評價單位———中鐵第一勘察設計院集團有限公司,負責人李英在接受記者採訪時表示,針對沿線群�對修建邢和鐵路所持有的不同意見,他們都會積極聽取,並結合實際情況對生態環境保護提出合理化的解決方案和措施。同時,李英也希望沿線的群�能全面地看待邢和鐵路修建工程,工程項目在對環境產生不可避免的損失的同時也帶動了沿線經濟的全面快速發展。“邢和鐵路途經沿線城市和村鎮只是運煤而過,對於沿線的生態環境並不會造成太大影響。”李英在接受記者採訪時亦表示。11月28日下午,記者致電邢(台)和(順)鐵路建設單位———北京鐵路局和順至邢台鐵路工程建設籌備組(邢台)負責人王建波,試圖採訪有關鐵路工程建設進度以及如何對待群�的不同意見等問題,但王建波以工作忙沒有時間回答為由婉拒了記者的採訪。在等待了百年之後,邢台人民終於等來了渴望已久的東西向經濟大動脈的修建。邢台歷史學者白全忠認為,邢和鐵路的修建對於邢台西部經濟以及邢台整體經濟發展會起到一定的推動作用。但同時他也提出了對邢台生態環境的擔憂,他認為邢和鐵路的修建,對於邢台鐵路沿線的企業及邢台整體資源會造成破壞,對於邢台市整體生態環境也會帶來影響。【新聞背景】邢(台)和(順)鐵路是一條以煤炭運輸和貨物運輸為主,兼顧客運的鐵路線,是國家中長期鐵路網規劃項目,也是省部合作建設項目,全長129.4公里,其中邢台市境內長90公里,工程總投資56.26億元。邢(台)和(順)鐵路位於山西省和順縣、左權縣及河北省邢台地區,線路西接陽涉鐵路的和順站,橫穿太行山脈,經和順縣、左權縣、邢台縣,從邢台市北部沿白馬河北岸並行京廣線接入邢台站。途經邢台、白馬河、皇寺、西黃村、西河口、將軍川、漿水、白岸、許村、松煙、平松最終到達和順。並由邢台小康莊站向東延伸至邯鄲地區的雞澤縣境內後,與邯鄲(邢台)至黃驊港鐵路(簡稱邯黃鐵路)相接,為晉煤東運開闢另一條出海通道。100年前,順濟[順德府(今河北邢台)至濟南]鐵路曾經由慈禧御批,後因財力原因及辛亥革命的爆發而最終未能實施。民國年間這條鐵路再次被孫中山先生提起,之後又因為北閥而擱置。順德(邢台)人民渴望擁有一條東西走向的鐵路夢想也由此被擱置至今長達百年之久。直到21世紀的今天,邢台人民期盼百年的東西走向鐵路大動脈的夢想終將有望變成現實。2010年12月,邢(台)和(順)鐵路項目建議書獲得國家發改委正式批復,並計劃于2011年正式開工建設。該條鐵路的成功興建不僅將打通邢台東西向交通的主動脈,而且將會進一步為確立邢台晉冀魯三省交界地區中心城市地位起到關鍵性作用。在2013年1月召開的河北省第十二屆人民代表大會第一次會議上,河北省省長張慶偉在《政府工作報告》中指出,科學合理推進基礎設施項目,力爭“邢和鐵路”年內開工。2013年11月,《和順至邢台線環境影響報告書》簡本最終稿出爐。報告書中為邢和鐵路的興建對周圍環境的影響進行了全面客觀地評定並最終得出結論,邢和鐵路的修建對促進沿線區域經濟發展和交流起到積極的推動作用,同時對沿線區域環境會造成一定影響。與此同時,鐵路修建會結合當地特點拿出行之有效的生態保護及恢複措施並提出科學全面的環境汙染防治措施。mini storage
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“邢和鐵路”之辯:生態破壞與經濟發展矛盾凸顯
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一銀志工深入旗山美濃 關懷國小學童
許多父母失業、隔代教養、單親家庭的孩子們,迷你倉最平在開學時總煩惱著學費、營養午餐費,甚至因長期營養不足,導致上課精神不濟,無法好好學習。有鑒於此,一銀高屏區志工團隊透過兒童福利聯盟進行「弱勢家庭兒童暨偏鄉弱勢孩童脫困計畫」,藉此資助高雄市旗山及美濃地區國小的弱勢學童,並前往美濃區東門國小舉辦關懷服務。兒福聯盟成立十多年來,致力讓每個孩子都能獲得愛、關懷和瞭解。一銀高屏區志工此次捐贈經費主要用於「學童經濟補助」,補助對象經由兒福聯盟邀請學校老師召開焦點訪談,訂定出有經濟困難且無法取得其他補助的孩子,每人每月提供一定金額之經費補助,如三餐餐費、日常生活費與學習費用及部分無健保之醫療費用,補貼偏鄉學童基本生活所需,讓孩子們能持續享有溫飽和營養。此外,一銀高屏區志工日前在高雄區迷你倉中心資深協理洪惠卿率領下,一行30餘人帶著滿滿的愛心與關懷前往高雄市美濃區東門國小,獲得小朋友組成的獅鼓隊演出迎賓醒獅秀,還有各年齡層兒童依專長表演節目,並導覽校區內具客家風情的特色景觀。東門國小校長楊禮清致詞歡迎及感謝一銀志工團隊雪中送炭,並祝福一銀業績永遠第一。當天一銀志工還與學童舉行互動遊戲,包括滾輪胎及檳榔葉接力賽等,孩童興奮、歡笑以及加油吶喊聲不斷。洪惠卿代表第一銀行致贈經費補助款20萬元,及文具生活用品,並鼓勵現場每一位小朋友一定要繼續加油、努力,將來都能成為國家棟樑之材。洪惠卿也期許第一銀行志工們,將服務的精神帶回工作崗位,必能獲得客戶的認同,為銀行帶來更大獲益。如此第一銀行也將擁有更豐厚的資源來服務社會、扶持弱勢團體,讓一銀志工服務永續,愛心綿延。mini storage
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新報慈善基金
儲存 捐助新報慈善基金的善長,可填妥下列表格,連同支票寄到香港柴灣嘉業街56號安全貨倉工業大廈11樓B室,新報慈善基金收,抬頭請寫:「新報慈善基金有限公司」;捐款人亦可直接將善款存入�豐銀行帳號:004-534-461850-001,並將存款收據及下列表格傳真或寄到本報社。查詢熱線:3921 6631??傳真:3921 6667迷你倉
- 12月 10 週二 201308:31
工銀客認購國債 一手中籤率100%
零售國債(86615)將於本周四(12日)掛牌,迷你倉尖沙咀工銀亞洲表示,透過該行認購的客戶,一手中籤率100%。 有分析指,國債短炒無水位,建議收息持有至到期。認5手料獲3手 大手逾35% 國債零售部分第五度在港發行,由於接受重複申請,認購宗數是歷來最多,市傳達15萬份認購。工銀亞洲表示,經該行認購一手的客戶將獲派一手國債,認購5手或以下的中籤率約60%,大額認購則為35%至逾40%。據了解,經所有渠道的分配結果均一樣。 工銀亞洲個人金融業務部副總經理尹可豐表示,個人投資者今年獲分派的比例較好,未獲悉數分派的投資者可考慮退款做定存。工銀永隆吸退款 定存息3.2厘 就退款定存優惠而言,工銀亞洲和永隆一年期最高息,達3.2厘。中銀香港(02388)昨公布,為國債退款、本月債券到期款項、新資金等提供優惠,定存期24個mini storage,存款額2萬元人民幣起,年利率2.8厘,與兩年期國債息口看齊;存款期12個月,最低存款額2萬或50萬元人民幣,存息分別為2.7厘或2.8厘。 東亞(00023)旗下東亞證券總經理蕭德輝表示,由於國債票息固定為2.8厘,有別於浮息的通脹掛�債券(iBond)可炒通脹預期,國債短炒無上望空間。加上獲分派手數有限,倡持有至到期。次批iBond第3次派息 每手236元 第二批iBond通脹掛�債券(04214)昨公布第三次派息,年利率為4.72厘,是第二批iBond上市以來最高,每手收息236元,本月23日派發。第三批iBond(04218)將於今日公布首次派息,由於與過往6個月通脹率掛�,年息料同為4.72厘,本月24日派發。 第二批和第三批iBond昨收報103元和105.05元,各跌0.049%和0.048%。迷你倉
- 12月 10 週二 201308:25
Pre-Market Equity Coverage: CSX Corp., CBS Corp., Global Payments, and Wyndham Worldwide
LONDON, December 9, 2013 /PRNewswire/ --Editor Note: For more information about this release, please scroll to bottom.儲存倉On Friday, December 06, 2013, the U.S. equity market edged higher. The S&P 500 ended the day at 1,805.09, up 1.12%; the Dow Jones Industrial Average closing at 16,020.20, up 1.26%; and the NASDAQ Composite finishing at 4,062.52, up 0.73%. The S&P 500 Consumer Discretionary Sector Index closed the session at 515.27, up 0.88% and the same has gained 2.73% in the last one month and 10.12% in the previous three months, outperforming the S&P 500, which has gained 1.95% and 7.98%, during the respective periods. The major movers in the sector included CSX Corporation , CBS Corporation , Global Payments Inc. , and Wyndham Worldwide Corporation . AAAResearchReports.com has released full comprehensive research on CSX, CBS, GPN, and WYN. These free technical analyses can be downloaded by signing up at:.aaaresearchreports.com/registerOn Friday, CSX Corp.'s stock edged higher hitting a new 52-week high of $27.90. The company's shares finished the day at $27.75, up 0.62% from the previous day's closing price of $27.58. A total of 5.07 million shares were traded, which is below the daily average volume of 5.80 million. The company's shares have gained 5.79% in the last one month and 9.04% in the previous three months, outperforming the S&P 500, which has advanced 1.95% and 7.98%, during the respective periods. Moreover, CSX Corp.'s stock is trading above its 50-day and 200-day moving averages of $26.48 and $25.11, respectively. A free technical analysis on CSX available by signing up at:.AAAResearchReports.com/CSX120913.pdfCBS Corp.'s stock advanced on Friday, tracking gains in the broader market. The company's shares closed the day 1.10% higher at $58.90, after vacillating between $58.61 and $59.26. A total of 3.39 million shares were traded, which is below the daily average volume of 4.18 million. The company's shares have gained 3.50% in the last one month and 9.85% in the previous three months, outperforming the S&P 500, which has advanced 1.95% and 7.98%, during the respective periods. Further, CBS Corp.'s stock is trading above its 50-day and 200-day moving averages of $58.11 and $51.69, respectively. Register today and access free research on CBS at:.AAAResearchReports.com/CBS120913.pdfOn Friday, shares in Global Payments Inc. ended the day 1.85% higher at $63.37, after vacillating between $62.34 and $63.42 during the trading session. A total of 0.54 million shares were traded, which is below the daily average volume of 0.83 million. The company's shares have gained 5.70% in the last one month and 31.28% in the previous three months, outperforming the S&P 500, which has gained 1.95% and 7.98% during the respective periods. Additionally, Global Payments Inc.'s stock is trading near its 52-week high of $64.41 and above its 50-day and 200-day moving averages of $59.31 and $50.55, respectively. The free report on GPN can be downloaded by signing up now at:.AAAResearchReports.com/GPN120913.pdfShares in Wyndham Worldwide Corp. advanced on Friday, to end the day at $72.40, up 1.70% from the previous day's closing price of $71.19. The company's shares oscillated between $71.54 and $72.43 during the trading session. A total of 0.92 million shares were traded, which is below the daily average volume of 0.98 million. The company's shares have gained 10.37% in the last one month and 20.01% in the previous three mon迷你倉最平hs, outperforming the S&P 500, which has gained 1.95% and 7.98% during the respective periods. Furthermore, Wyndham Worldwide Corp.'s stock is trading near its 52-week high of $72.95 and above its 50-day and 200-day moving averages of $66.15 and $62.24, respectively. A free report on WYN can be accessed by registering at:.AAAResearchReports.com/WYN120913.pdf----EDITOR NOTES:1) This is not company news. We are an independent source and our views do not reflect the companies mentioned. 2) Information in this release is fact checked and produced on a best efforts basis and reviewed by Ananya Ghosh, a CFA charterholder. However, we are only human and are prone to make mistakes. If you notice any errors or omissions, please notify us below. 3) This information is submitted as a net-positive to companies mentioned, to increase awareness for mentioned companies to our subscriber base and the investing public. 4) If you wish to have your company covered in more detail by our team, or wish to learn more about our services, please contact us at pubco@EquityNewsNetwork.com. 5) For any urgent concerns or inquiries, please contact us at compliance@EquityNewsNetwork.com. 6) Are you a public company? Would you like to see similar coverage on your company? Send us a full investors' package to research@EquityNewsNetwork.com for consideration.COMPLIANCE PROCEDUREContent is researched, written and reviewed on a best-effort basis. This document, article or report is prepared and authored by Equity News Network. An outsourced research services provider represented by Ananya Ghosh, CFA, has only reviewed the information provided by Equity News Network in this article or report according to the Procedures outlined by Equity News Network. Equity News Network is not entitled to veto or interfere in the application of such procedures by the outsourced provider to the articles, documents or reports, as the case may be.NOT FINANCIAL ADVICEEquity News Network makes no warranty, expressed or implied, as to the accuracy or completeness or fitness for a purpose (investment or otherwise), of the information provided in this document. This information is not to be construed as personal financial advice. Readers are encouraged to consult their personal financial advisor before making any decisions to buy, sell or hold any securities mentioned herein.NO WARRANTY OR LIABILITY ASSUMEDEquity News Network is not responsible for any error which may be occasioned at the time of printing of this document or any error, mistake or shortcoming. No liability is accepted by Equity News Network whatsoever for any direct, indirect or consequential loss arising from the use of this document. Equity News Network expressly disclaims any fiduciary responsibility or liability for any consequences, financial or otherwise arising from any reliance placed on the information in this document. Equity News Network does not (1) guarantee the accuracy, timeliness, completeness or correct sequencing of the information, or (2) warrant any results from use of the information. The included information is subject to change without notice.CFA(R) and Chartered Financial Analyst(R) are registered trademarks owned by CFA Institute.AAA Research ReportsCONTACT: Phone #: + 1 (646) 396-9126Contact Name: Peter F. JonesEmail ID: info@aaaresearchreports.com迷你倉
- 12月 10 週二 201308:20
《銀行間市場同業存單發行交易規程》發佈
本報北京12月9日訊記者高國華報道記者從中國外匯交易中心獲悉,self storage為規範銀行間市場同業存單的發行與交易,確保同業存單業務有序開展,根據《同業存單管理暫行辦法》的有關規定,中國外匯交易中心今天發佈《銀行間市場同業存單發行交易規程》。據瞭解,《規程》從總則、發行人與投資人、發行方式、發行流程、交易基本規則、應急服務、信息披露、違約違規處理、附則等九個部分就同業存單發行交易進行了詳細的安排。其中,同業存單是指銀行業存款類迷你倉融機構法人在全國銀行間市場上發行的記賬式定期存款憑證。同業存單的發行與交易應遵循公平、誠信、自律的原則,同業存單的發行應充分進行信息披露。全國銀行間同業拆借中心為同業存單提供發行、交易和信息服務,並接受中國人民銀行監管。同業存單應通過同業拆借中心“同業存單發行系統”以電子化方式發行,發行系統提供公開發行和定向發行兩種發行方式。同業拆借中心根據中國人民銀行賦予的職責,進行同業存單發行與交易的日常監測及其他監督管理等。迷你倉樂器
- 12月 09 週一 201310:45
Group
The tie between the Internet and insurance has been strengthened, as the Internet becomes not only a channel but also a market and business model for insurers.迷你倉Last Thursday, Zhong An Online Property & Casualty Insurance Co started selling its first product that helps online vendors on Taobao.com cover deposit requirements. The company is China's first and probably the world's first insurance company designated to cover Internet businesses.When they buy an insurance product from Zhong An, vendors will no longer be required to pay a minimum 1,000 yuan (US$164) deposit, depending on the products they sell and the size of turnover.The product was priced at 3 percent of the amount of the deposit that shop owners wish to be exempted from.Zhong An aims to extend the product to other online marketplaces after the company gains more experience and reaches agreements with other Internet companies about client data usage, said Zhang Xiaorui, the product's designer.The company's Internet DNA and the first online insurance license it received from the China Insurance Regulatory Commission made it a standout in the financial industry.The company hopes to blaze a trail in the realm of Internet finance, incorporating innovation and entrepreneurship that are characteristics of Internet explorers."We can facilitate financing by using the data and cloud computing to establish a credit system for businesses and users," said Jack Ma, chairman of Alibaba. "In principle, what an insurer can do can all be done by Internet companies. We can make insurance simpler with our technology."New enthusiasmThis new enthusiasm about incorporating insurance with the e-commerce was echoed by traditional market players.Late November, Beijing-based Taikang Life started offering tailor-made accident and health insurance products for online shop operators and shop assistants who are not covered by the social security system.The products were for 5 to 10 yuan a month, and policy holders can claim compensation in various provinces, making it suitable for those who don't have a fixed work place.A survey by Taobao.com showed that 55.2 percent of online shop operators and 45 percent of shop assistants do not pay for social security."There are a lot of people out there who need our help. We can cover more of them with the Internet than any traditional methods," said Wang Daonan, vice president of Taikang. "The Internet reminds us of the importance of really serving the clients."Other insurers, such as Huatai Insurance Group and China Life Property & Casualty Insurance Co, have launched insurance products to cover consumers' delivery fees when they have to return a product purchased online.The most promising benefits the Imini storageternet can provide to traditional insurers are data related to individuals' and companies' businesses.The data provides unprecedented convenience for insurers to assess risks and price their products.Companies operating "product return insurance" can easily raise prices for consumers who return their products more frequently.More importantly, the comments consumers leave online after each purchase provide credit records of the vendor that are impossible to track in brick-and-mortar sales."Among China's three Internet giants, Baidu is strong at finding information and has a lot of external data, while Alibaba is strong at e-commerce and has much trade data," said Ren Huichuan, CEO at Ping An Property & Casualty Insurance Co. "Tencent has huge data about a person's behavior and social relationships."All the data are valuable to insurers, but to gain access to the data requires extensive measures to protect privacy. On the other hand, challenges are also greater for insurers to retain clients since insurers'''' prices and services are also more transparent for them, Ren said.Analysts are quick to point out the limitations of online insurance products, since their services are simple and easily duplicated. The products' profitability is low due to the low price."Internet insurance products may help some users hedge risks," said Zhang Meng, a researcher with Analysys International. "The size of online insurance products will remain small in the next few years, and it is still too early to see how online insurance may improve the e-commerce environment."For veterans in both insurance and Internet industries, the needs for online insurance will not challenge the traditional ones in the years to come.The needs for complicated insurance policies, such as those for nuclear power stations, will remain offline.Also, wealthy individuals, who create high values for insurers, are likely to require customized services from professional insurance agents.The temptation of gaining easy revenue by selling high-yield wealth management products to price-sensitive web users also poses challenges to life insurers' margins. Rating agency Moody's has warned domestic life insurers that the industry may face a downward pressure in two years if companies postpone shifting their focus from cheap wealth management products to higher value-added assurance products."Financial institutions are exploring how to use the Internet to save costs and improve efficiency, while Internet companies are using huge data to offer financial services," said Peter Ma, chairman of Ping An and a major investor in Zhong An. "I wouldn't deny that all insurance products can be sold online ultimately, but that may take 1,000 years."儲存
- 12月 09 週一 201310:40
利率和價格由市場確定
迷你倉 bjrb.bjd.com.cn/html/2013-12/09/content_132463.htm...央行允許金融機構發行同業存單 利率和價格由市場確定 本報訊(記者 楊汛)中國金融機構在存款利率市場化道路上又進一步。昨日,中國...文件倉
- 12月 09 週一 201310:35
Selfish youth need to be woken up
Heidi Lau (“Excellent role model for young people”, November 30) needs to find more successful role models such as the movie star Andy Lau Tak-wah and fashion designer Vivienne Tam Yin-yok to wake up many young people, who are still likely to take more than give to our society.迷你倉I recall one ugly scene in a Caf� de Coral fast food store in Fanling railway station last month, where it was almost a full house because a few young ladies were sitting on the priority seats, which are supposed to be reserved for the elderly. Many young people were putting their belongings on empty seats to make room for themselves, and wer儲存 lowering their heads pretending not to be aware, so many patrons and elderly people were roaming around looking for a seat.The in-house staff did nothing to help those patrons looking for seats, nor ask the people taking up extra seats to move their belongings, as is the practice in most Western developed countries.Hong Kong education may teach morals and ethics in the classroom, but maybe the students don’t understand clearly.I don’t think young people understand what social responsibility is when connecting with either Andy Lau or Vivienne Tam, unless a policeman comes along at the same time.Pang Chi-ming, Fanlingmini storage
- 12月 09 週一 201310:25
3億元專項扶持 曲江新區變身小微樂園
“前面排隊的企業還有幾百家呢,迷你倉貴公司入駐曲江新區的事宜我們儘量給您提前安排。”在曲江新區文化產業發展中心,幾家正在想辦法計劃入駐曲江新區的小型文化企業負責人獲得了如此答複。 與正在門外排隊的企業相比,曲江新區在過去數年間,虹吸了西安市、陝西省乃至周邊省份多達2400家的文化傳播、影視製作、廣告設計、互聯網公司、廣播電視等各類文化企業。 “大家對曲江的熱愛,源自曲江對企業的關懷。” 2013年年初搬入新辦公室的西安書霖影視文化傳媒有限公司總經理馮莉霞深有感觸。過去兩年間,這家剛剛起步的本土影視公司,在曲江新區享受到了一系列對文化企業的扶持和幫助。不僅獲得了免房租的待遇,並直接獲得退稅補貼高達300萬余元。正是這一背景下,西安書霖影視的營業額也在短短兩年時間內,從不足千萬元躍升到了接近1億元。 好消息總是傳播特別快。眼下,包括人民網陝西頻道、華商網及諸多官媒的官方窗口也遷入曲江新區。另一方面,曲江新區矢志打造文化產業聚焦區、示範區的夢想,也在諸多小微文化企業接踵而至的“加盟”聲潮中愈發清晰和可以觸及。營造多元化扶持格局 曲江新區成型于2002年。2007年,曲江新區成為首批國家級文化產業示範園區;2008年,曲江新區榮獲首屆中國文化產業創新獎;2009年,曲江新區被住房和城鄉建設部授予“中國人居環境範例獎”;2010年,曲江新區榮膺國家生態區;2011年,榮膺國家5A級旅遊景區;2012年,榮膺國家級文化和科技融合示範基地。 這串成績單背後,是曲江新區已成為不可替代的陝西文化產業集群的巨無霸和孵化器。 但一開始,曲江就是一張白紙。這裡除了坐擁大雁塔、曲江寒窯、曲江池、西安城牆、大明宮等一長串不勝枚舉的歷史古跡和文化名勝,什麼也沒有。更遑論成為文化產業聚集地。 “欲招之並誘之,必須是真心實意,分享收益。”曲江新區一位不願具名的管理者介紹說,曲江經歷了缺錢缺人缺項目的各種艱難,亦理解作為小微企業的種種困惑與苦衷,因此,從決心打造文化產業聚集區開始,曲江便將免費提供辦公場所作為第一個扶持手段。 馮莉霞佐證了這一事實。“西安書霖影視在過去的兩年來,我們的辦公場地只有86平方米,但這一辦公場地不需要企業花一分錢,完全免費,為剛剛起步的書霖影視解決了很大的後顧之憂。”坐在如今多達200多平方米的寬敞寫字間,馮莉霞感慨萬千。 與西安書霖影視一樣,智訊互動這家基於互聯網的小型網絡營銷類IT企業在過去幾年間,也一直“蝸居”在一間不足100平方米的小辦公室。 智訊互動的負責人王來庫介紹說,眼下的智訊互動已經將業務從西安、陝西做到了北上廣乃至國外,大量客戶慕名而來。公司的員工也從最初的寥寥數人變成了多達70余人的龐大團隊。但在最開始,王來庫和他的投資伙伴手里只有10萬元資金,還需要購置各類辦公器材及設備,“難以想象,如果當初沒有曲江新區免費提供辦公場地的服務,智訊互動會不會被房租壓倒。”盡管時過境遷,王來庫對曲江新區的感謝之情仍溢於言表。 “中小企業是國民經濟和社會發展的重要力量,扶持中小企業發展將對經濟實現平穩增長產生重要意義。陝西省西安市曲江新區近年來在打造文化產業聚集區的同時,對於中小文化產業的扶持力度逐年加大,2008年至今,對園區內中小文化產業的扶持資金已經高達12 億元。”曲江新區的管理者向《中國經營報》記者描述說,在相當長的一段時間內,曲江新區曾經歷了融資難、招商難、落地難、立項難、盈利難的五難局面,換位思考,我們認為小微企業同樣存在著上述難題,因此,在免房租這一招妙棋之外,mini storage江開始考慮積極退稅、協助企業尋找融資通道、補充流動資金等一系列新的手段,並最終確定了由曲江新區管委會每年支出3億元的扶持和補貼資金,全力解決小微企業可能遇到的資本難題。 “我們注意到,新一屆政府高度關注中小企業的成長,張德江副總理兩次召開會議並專題調研,並表示要切實營造有利於中小企業發展的政策環境、市場環境、創業環境、成長環境、服務環境和輿論環境。”曲江新區文化產業發展中心一位負責人信心滿滿地表示,曲江通過營造一流的、復合型的小微企業發展環境,必將變身中國文化產業第一極。借錢搭橋 真幫實扶 如果說以上方式是曲江新區自身可以決定或解決的問題,那麼,如何從外圍渠道為小微企業引來資金活水,則是曲江新區的一系列創新之舉。 記者獲悉,曲江新區與招商銀行針對影視小微企業推出的“影視貸”項目即將于年底推出。而此前,曲江新區協調銀行推出的“文創貸”項目,已經為一大批企業解決了小微企業徵信體系不完善進而導致的融資難題。 “‘文創貸’非常適合中小文化企業,我們也藉此有效緩解了製作投入不足的問題。”駐紮在曲江的某影視文化傳媒有限公司負責人告訴記者,在此之前,該公司曾通過曲江新區文化產業發展中心和工商曲江分局的牽線搭橋,已經有工商銀行、建設銀行、農業銀行、國開行等多家銀行取得聯繫,但銀行認為,中小文化企業資產偏小、資金回流慢等特點,並不適合傳統的信貸方式。 毫無疑問,文創貸、影視貸的出現成瞭解暑甘泉,靈丹妙藥。 招行西安分行小企業金融部產品經理霍宇飛告訴記者,在曲江新區文化產業發展中心和工商曲江分局的講解和引導下,瞭解到文化企業是新興產業,擁有巨大的市場潛力。因此,招商銀行將“文創貸”試點合作放在曲江。 “我們招來企業不光是要做好管理,更重要的是要做好服務,讓企業在曲江能夠發展壯大。只有企業在曲江不斷發展,我們的區域經濟實力才能不斷發展壯大。”西安曲江新區管委會招商二局一位官員表示。 截至目前,曲江新區累計吸引文化企業已達2400家,而這其中超過50%的是中小企業。為幫助中小文化企業破解融資瓶頸,曲江新區出台了一系列優惠政策,並逐年進行優化。推出的“文化基金+貸款擔保+風險投資+財稅補貼+房屋補貼+小額貸款+專項獎勵”七位一體的扶持政策,為區內文化企業發展提供全方位扶持和培育。工商曲江分局還專門制定出台了《扶持中小微型文化企業發展實施方案》,進一步放寬政策、優化環境,從降低門檻、放寬條件、強化服務著手,從培育創業主體、加大政策引導、強化創業服務著力,加快形成政策扶持、改善環境、執法維權的促進全民創業體制機制,在符合法律法規的前提下,依托工商職能,圍繞服務大局,積極尋找為中小微文化企業脫困、發展、特事特辦的路徑。 曲江新區積極探索對區內中小企業的“精細化管理”。在工商曲江分局的配合下,對區內中小微型文化企業各種收費項目進行全面清理。自2012年1月1日至2014年12月31日內對中小微型文化企業免征部分管理類、登記類和證照類行政事業性收費。同時組織開展“中小微型文化企業創業知識技能入門培訓”“中小微型文化企業創業人才成長培訓”“中小微型文化企業高端創業人才提升培訓”,幫助曲江中小微型文化企業樹立發展信心、克服經營困難。 記者同時獨家獲知,圍繞實施“營改增”之後部分文化企業稅賦加重等問題,曲江新區與有關財稅部門已經展開積極接洽。 記者注意到,《西安曲江新區入區文化企業營業稅增值稅補貼暫行辦法》目前已經引發並小範圍開始傳播,預計此項政策將為該園區內企業爭取到超過數千萬元的真金白銀,進而反哺于企業發展。儲存
