sgusers7的部落格

By Li Tao ( China Daily) Tencent Holdings Ltd, China's biggest Internet company, reported lower-than-expected second-quarter results on Wednesday as higher marketing costs for its fledgling messaging and social media app WeChat eroded earnings.儲存Net profit rose 18.4 percent to 3.7 billion yuan ($601 million), the company said in a filing to the Hong Kong stock exchange. But profits fell short of the consensus of 3.9 billion yuan from analysts surveyed by Bloomberg News and 4.1 billion yuan among those polled by Reuters.Group revenue in the second quarter rose 36.6 percent to 14.4 billion yuan.Growth in the second quarter was mainly driven by the online game and advertising businesses, Pony Ma, chairman and chief executive officer of the Internet conglomerate, said in the statement.Revenues generated from online advertising and e-commerce transactions hit 1.3 billion yuan and 2.2 billion yuan, respectively, during the second quarter, up 52.7 percent and 15.0 percent over the previous three months.Marketing costs jumped during the period, accounting for 9 percent of revenues compared with 6 percent a year earlier, as the company stepped up marketing activities for WeChat, also known as Weixin, in international markets, according to Tencent.In a conference call on Wednesday, Tencent President Martin Lau said that Tencent will continue aggressive international marketing.WeChat had 235.8 m新蒲崗迷你倉llion monthly active users as of June 30, up 21.3 percent from the previous quarter, according to the statement.India, Indonesia, Malaysia and Singapore are all targeted markets where WeChat aims to increase its user base, according to Lau.In the latest version of WeChat released this month, the company integrated features such as online games, stickers and an in-app payment system, an attempt that shows its ambitions in monetizing the app in the future.But that's just the beginning, Ma Yuan and Gu Xinyu from BOCOM International wrote in a report last week."Therefore, we do not factor in much revenue contribution from payments at the moment, as we believe Tencent is focusing on building up the ecosystem at the current stage." "We believe WeChat has the potential and capability to develop its own e-commerce platform in the future," the BOCOM International report said.Linus Yip, a Hong Kong-based strategist from First Shanghai Securities Ltd, believes the long-term prospects for e-commerce and social mobile platforms remain positive in China."Tencent's overall performance still stands out, and profits derived from its primary and related services are likely to be sustained in the future," said Yip. "We've heard bearish views on the shares in the market after gaining substantially over the year, but I believe the fundamentals of the company remain solid," Yip added.litao@chinadailyhk.commini storage

　　【本報訊】在中央穩增長導向下，儲存倉地方政府近期密集推投資計劃，鐵路、棚戶區改造、地鐵輕軌等成重點投資領域。未來7年，地方政府在地鐵、輕軌的投資規模將達4萬億元（人民幣，下同）。　　此外，多家銀行近期也定向對重點省市「輸血」放貸。受穩增長力度加大刺激，上證指數昨日上升0.2%，水泥建材、鋼鐵股走強。　　據內地媒體報道，近期有10多個城市的發改部門，批覆了本地建設城市交通項目的開工申請。而中國工程院院士王夢恕直言，「差不多的城市都在規劃、建設地鐵、城軌」。建設軌道交通 36城市獲批　　根據鐵道部前總工程師華茂崑的估算，目前已批准建軌道交通的城市有36個，到2020年，全國軌道交通里程將增加一倍至近6,000公里，在軌道交通方面的投資將達4萬億元。　　據國家發改委統計，今年全國城市軌道交通的投資將達到2,200億元，比去年增加了400億元。　　全國各地掀起的新一輪的地鐵、輕軌項目建設熱，與中央政府提出的經濟「保下限」和政策走向息息相關。農行予滬政府2500億信貸　　7月31日，國務院常務會議就加強城市基礎設施建設進行部署，提出加強6大領域的城市基迷你倉沙田設施建設投資，其中包括地鐵、輕軌等大型公共交通系統建設。交通運輸部部長楊傳堂早前稱，推進城市軌道交通建設是下半年交通工作5大重點之一。　　在穩增長導向下，大型銀行和政策性銀行近期定向對多個省市「輸血」，與多個省市簽署巨額的信用信貸。其中，農業銀行（01288）與上海市政府簽署協議，向上海提供2,500億元信用貸款，這是對上海6大領域金融扶持的一部分。　　此外，國家開發銀行在過去的十幾天，先後與江蘇、河北、青海等多省政府簽署合作備忘錄，以加大對這些省份的支持力度。　　分析指，銀行對地方大規模的支持，可能與中央政策的導向有關，國家開發銀行是政策性銀行的定向貸款，體現了財政刺激經濟的屬性。滬指再升 水泥鋼鐵股走強　　因政府「微刺激」政策力度加大，上證指數在周一大幅上升2.4%並創下近兩個月最大升幅後，昨日震盪上升0.2%，收報2106點；深證成指微升0.07%，收報8362點。其中，水泥建材、文化傳媒、鋼鐵、銀行等板塊升幅靠前。　　展望後市，分析師指出，由於經濟是否已見底仍有待觀察，但「底�思維」穩定了市場信心，預期短期後市在2100點附近反覆波動。迷你倉價錢

嚴婷日本央行周二發佈的7月會議紀要顯示，迷你倉價錢大多數央行委員認為，日本國內經濟正在“溫和複蘇”，但是也有一些委員稱需要注意海外經濟增長的不確定性，並對國內資本支出情況持謹慎態度。紀要顯示，一位委員認為，海外經濟複蘇的時間可能推遲，部分委員表示海外經濟體的增長低於預期，主要是中國和新興國家。值得注意的是，“所有委員均認為中國不可能回複到之前的高增長。”今年4月，日本央行實施了激進的“量化與質化”寬鬆貨幣政策，誓言要將日本通脹率在兩年內推升至2%的目標水平。自此後其一直維持政策不變。在7月10日至11日召開的會議中，日本央行上調了對經濟的評估，稱日本經濟開始複蘇，這是過去兩年半以來最樂觀的表態。自安倍晉三去年12月上任以來，日本經濟複蘇已經在“安倍經濟學”的刺激下開始萌芽。目前，日本通脹已經開始上升，讓日本各界看到了走出通縮的一絲曙光。但日本二季度的經濟增速卻遠低於預期。日本政府周一公佈，第二季度國內生產總值(GDP)折合成年率增長2.6%，比市場預期值低了足足一個百分點。第一季度GDP增幅也向下修正為3.8%，初值為增長4.1%。雖然今年年初以來，日經指數上漲30%，日元兌美元貶值幅度達12%，但第二季度GDP數據顯示，實際增長數據和市場預計出現“大幅背離”，挫傷了投資市場對於“安倍經濟學”的信心。央行的會議紀要迷你倉庫顯示，部分委員表示，必須重建日本財政政策的市場信任度，以使利率持穩。一些委員預期政府將持續推進財政改革。小部分委員表示他們對通脹的預估比日本央行預估中值更為謹慎。一位委員表示日本公債市場仍存在潛在的不確定性。目前日本最具爭議的財政政策就是上調消費稅計劃。日本內閣去年批准，將于明年4月份將現行5%的消費稅調高至8%，2015年10月進一步上調至10%。上調消費稅的反對者擔憂，于明年4月開始分兩個階段上調消費稅的做法可能會扼殺脆弱的經濟複蘇。但支持上調消費稅的陣營卻認為，無論從財政可持續性、政府信譽角度來說都應該按原計劃上調。日本央行行長黑田東彥近期多次重申他支持按計劃上調消費稅。黑田擔憂，如果推遲上調消費稅，將導致市場利率飆升並給經濟造成傷害。其邏輯在於，投資者會把政府推遲增稅視為缺乏還債誠意，進而要求更高的債券收益率以補償持有日本國債的風險。這將導致日本政府融資成本全線上升，打擊消費者和企業的借款和消費熱情。野村證券(Nomura)日本首席經濟學家木下智夫（Tomo Kinoshita ）對《第一財經日報》記者表示，他預計消費稅很可能會按計劃上調，因為二季度GDP數據仍然超出了日本潛在經濟增速（0.5%至1%），而且日本的二季度GDP數據很可能會在9月9日的修正中被上調，因為這將考慮到6月的公共投資核心數據。儲存

　　港股今日會否因颱風休市，新蒲崗迷你倉留意新聞。筆者休息幾日，大勢又全不同，擺脫悶局！突破之後的形勢還是看成交，昨增至728.65億元，勝早前淡靜市四百多億元，喜見成交配合上來。　　市場對內地經濟硬�陸之慮已大降，臨近三中全會，國策燈愈點愈明，利好。唯一擔心是美股於目前高位停滯不前，牛皮多時總有個了斷，若向下了斷，本周挾上乃陷阱。不過，這也只是純推測，看好眼前趨勢要緊，大市配合成交，中資股終脫絆腳石惡勢，乃短�偏利好港股之兆。中資股終於領漲　　金融內險股強力帶動，國指周一及周二連爆兩日，突破10000大關並企穩，昨收10185，升2.6%。中資股終於識得領漲，十大成交榜中顯見主導，港股一改上月以來淡靜格局，突破22200後，迅即抵22500，昨高見22563，收報22541，升1.21%。中資股如能保持反覆向上勢，國指挑戰10500，�指進一步試衝22800至23000，短�支持由21000上移至21500。內房股確具優勢　　上周五指於內房汽車股類之中尋佳績股，內房股本周初至今，強勢持續。世茂房地產（00813）昨漲至5年高位，合景泰富（01813）受佳績刺激，半年純利按年升49%至人民幣13.57億元，昨急升9%至5元。美林及摩通維持「買入」及「增持」分別看7元及5元。中銀國際則指，合景盈利勝市場預期，主要受合營項目進入收成期推動。配合走勢分析，該股短�之關鍵阻力在5元，如能突破，上望5.5元，候低吸，4.5元止蝕。至於筆者看好並推介的的融創中國（01918），推介時報5.66元，股價反覆已搶升至昨最高位6.33元，按圖勢突破降軌好強勢。該股定於8月26日公布業績，等接佳績表。派息高具吸引力　　在業績公布期間，心水清的讀者可曾發現，一些盈利溫和漲幅股份，股價也有良好反應，關鍵在派息的增加超預期。所指的是華地國際（01700），截至今年6月底上半年度，收入21.12億元（人民幣．下同），按年增加8.1%；純利增長14%至4.46億元，每股盈利也增長14%至18分，但中期息增長150%至10港仙，派息比率由21%上升至70%。股價昨應聲而漲5.8%至4.39元。　　2013年內地經濟及消費增速放緩，百貨及超市整體進入低增長期，華地國際上半年度的盈收表現算合理。於2013年6月30日，公司的百貨店數目為18家，超市29mini storage。上半年業績顯示，百貨店的經營邊際利潤率為11.2%，與去年同期11.3%相若；超市之經營邊際利潤率為8%，與去年同期9.8%相比為低。可見華地實現規模化的「百貨+超市」雙模式業態的經營能力，有互補兩方面的收益不足作用，業務架構支持公司穩定的盈收表現。隨�內地經濟下半年料逐漸回暖，消費意慾增強，相信華地下半年盈收保持穩定。據交銀國際報告研究指出，華地百貨店八成四為自置物業，每股資產估值約5.6港元（美銀美林則估是6港元），具一定防守價值。配合走勢分析，華地自今年4月呈一浪高於一浪，反覆趨升，阻力分別為4.5元及4.8元。港交所有勢破阻　　今日公布業績的港交所（00388），在周一已發「神威」衝，昨進一步升1.5%至126.3元，業績是否喜出望外，今日自會揭曉。不過，摩根大通認真藝高人膽大，周二率先於業績將其投資評級，由「中性」調升至「跑贏大市」，但目標價由155元調低至135元，認真耐人尋味！從已公布證券及衍生產品的營業額數據，摩通指望在業績有很大驚喜，預期港交所第二季盈利達11.94億元（第一季為11.58億元），上半年則錄得23.52億元，較去年同期輕微增長5.5%。然而報告指，統計過去三年，8至11月份港股的平均交投量較5至7月份高12%。今年5至7月日均成交額為610億元，港交所現價只反映605億元的日均成交額，基本上並未反映季尾交投回升之因素。估計港交所周三公布業績後，市場會紛紛對其作重新評估，屆時對股價有正面影響。　　事實上，對港交所股價的預期，券商大多有方程式，以摩通論，PE在平均33倍的話，而日均成交額在634.81億元的話，合理價值在135元。相反，若日均成交額在700億元或以上，合理股價將等值149元。筆者認為年底前，港交所還有兩大催化劑值得期待，一是隨時為開通QDII2消息所刺激，二來阿里巴巴若選定港股上市，勢亦揭起高潮。之不過，要確實兩個消息，就無把握，不妨以守株待兔式心思買賣該股為主。7月5日曾建議小注收集港交所，當期時股價約在116元，現已抵首阻力125元，破降軌有信心續持有，等候股價進一步挑戰135元（�指年初高位23944到低位19400的反彈0.618倍目標約至22200，現已超逾。港交所可望跟隨，反彈0.618倍目標約看至135元水平）。　　idalam@hket.comself storage

記者周萃2013年5月，mini storage牛錫明履新交通銀行董事長，“百年交行”迎來新“主帥”。當前，國際國內經濟金融形勢複雜多變，銀行業風險防控壓力不斷加大，而交通銀行也處於其“二次改革”的關鍵期，下半年，面對錯綜複雜的經濟金融形勢以及交行自身艱巨的轉型任務，這位新“主帥”有何戰略規劃與經營計劃?為此，本報特別專訪了交行董事長牛錫明。記者：李克強總理最近提出，要通過激活貨幣信貸存量來支持實體經濟發展，相關管理部門近期也出台了一系列支持經濟結構調整和轉型升級的具體措施，落實相關政策，下半年交行將採取哪些措施?牛錫明：國辦發佈的金融支持經濟結構調整和轉型升級的十條指導意見，其核心是“盤活存量、用好增量”。下半年，對交行來說，我們要把貫徹宏觀政策、服務實體經濟與防控信貸風險有機聯繫起來，堅持真實貿易背景，堅持信貸資金與客戶資金的緊密結合，提高金融資源配置效率，為實體經濟提供高質量的金融服務。做到“用好增量”，交行將利用信貸杠杆促進產業結構調整。具體而言，將大力支持創新驅動發展戰略，在擴大內需、惠及民生、產業結構轉型升級、綠色信貸及循環經濟、支持城鄉統籌、完善境內外聯動支持“走出去”等領域，積極增加信貸投放。根據產業梯度轉移態勢，主動優化信貸布局，支持中西部分行加快發展並承擔更多存款任務。加快發展消費金融和產業鏈金融，繼續發展好個人住房按揭業務和信用卡業務。切實做好小微企業金融服務工作，在有效防範風險的前提下，重點支持科技型小企業和500萬元規模以下小微企業的發展，確保小微企業貸款增速不低於貸款平均增速、增量不低於往年。“盤活存量”，交行將持續優化資產業務結構。要特別強調做好存量資產的移位管理，通過移位管理加強信貸結構的調整，優化資產結構。要加強信貸資產的貸後管理和非信貸資產的存續期管理，利用持續排查、減退加固等手段，全面動態優化存量信貸資產。要更加均衡地擺布行業信貸結構，不能“把雞蛋放在一個籃子里”。行業信貸政策只能加強，不能削弱，貸款不能只投不收，不能只進不退，對信貸政策限制投放的領域和潛在風險客戶，要及時堅決退出。要繼續嚴格執行對融資平台、房地產、“兩高一剩”等重點領域風險管控要求。同時，要優化業務結構，積極發展貿易融資和消費金融，拓展新的業務領域。記者：經濟增速放緩、利率市場化加速、互聯網金融突起，這些新情況、新問題已經對銀行發展形成挑戰，未來交行將如何應對這些新變化?牛錫明：未來一段時間，中國銀行業面臨的經營大環境主要表現為經濟增速趨緩和利率市場化加速推進兩大基本特徵。此外互聯網金融也加速了金融脫媒，並正在撼動傳統銀行的穩固地位。隨著經濟增速趨緩，金融資產大幅膨脹掩蓋下的金融風險開始釋放。同時，政府對經濟減速的容忍度提高，不再出台大的刺激政策，而是要倒逼金融“去杠杆化”和經濟結構調整。商業銀行“發展、轉型、風險”三者關係已經發生變化，一味做大規模，向規模要利潤的時代已經過去。對交行來說，當前的工作重心已經轉變為“防控風險、穩健發展”。我們既要看眼前，保持盈利合理增長，不能讓存貸比、不良率等指標滑出底線；更要抓長遠，扎實打好基礎，積蓄後勁，持續推動轉型發展。“穩步推進利率市場化”是業已確定的金融改革方向。未來存款利率放開意味著存款成本上升、利差縮小進而影響利潤增長，造成盈利能力下降。這種盈利性與流動性的平衡是利率市場化帶來的新挑戰。面對新挑戰，交行將大力提高跨境、跨業、跨市場的經營能力，實現從存量管理向流量經營，從持有型資產向交易型資產轉變，才能保持盈利性與流動性新的平衡。互聯網以其“開放、平等、協作、分享”的平台服務特徵，正深刻改變人們的生產、生活方式，並對以中介服務為本質的傳統銀行業帶來巨大衝擊。目前絕大部分金融產品都可以實現網上銷售，互聯網金融已經在交易成本、服務效率方面表現出很大優勢。更重要的是，互聯網金融還在逐步取代銀行的“看家本領”———支付結算功能，通過商務平台、生活self storage台將銀行與客戶的關係切斷，取代銀行的基礎性結算平台地位。互聯網將顛覆傳統商業銀行的經營模式、盈利模式和服務模式，未來商業銀行有可能演變成為一個以個性化金融服務為特色、以客戶自服務為特徵的網絡平台。目前，交行正在積極推進電子化平台業務建設，使得傳統的線下業務向線上發展，逐漸打破物理網點的局限性。與此同時，銀行未來經營模式也要從過去的以網點為主向通過網絡提供服務轉變。記者：您提出，未來交行應實現由“資產持有型銀行”向“交易型銀行”轉變，請您具體闡釋一下這一轉型路徑。牛錫明：當前經濟正處於下行期，國家在宏觀總量、調整結構等方面出台了許多新的舉措。在此背景下，商業銀行一味做大規模並不可取，而應該由“加快發展”向“穩健發展”轉變。站在交行的角度，我認為可以由資產持有型銀行向交易型銀行轉變，從做存量向做流量轉變，這也是未來最有可能體現交行特色的經營領域。交行應通過積極介入貨幣、債券、外匯及衍生產品交易等各個市場，擴大非信貸資金運作渠道和規模，優化資金投向與資產配置，在保證流動性的同時，讓資產在流動中分散風險，擴大利潤增長源。實現上述轉變，交行將面臨巨大的挑戰。目前在金融界，幾乎所有的金融創新都圍繞著銀行，證券、基金、信托、保險的創新產品只有把銀行拉上，才能賣出去。因此，銀行怎樣做到是“風險的有限承擔者”而不是“風險的全部承擔者”，是轉型中的重大考驗。在推動“創新驅動、轉型發展”中，我認為，一是要提升跨境、跨業、跨市場的經營能力，這實際上是國際化、綜合化經營問題。銀行依托企業走出去而國際化，依托人民幣國際化而國際化。銀行應全面提升跨境跨業的規模和層次，由布局階段進入業務發展階段，努力實現盈利收入多元化。二是應鼓勵商業銀行更好地、規範地發展理財業務。現在有兩點需要完善，第一個是建立“表外的資產負債表”，代客戶管理的資產也要有資產負債表，是表外的資產負債表。第二個是改進銀行的營銷方式，提高信息透明度，清晰告訴客戶理財風險的自擔方式或分擔方式。三是穩步推進資產證券化。資產證券化有利於增強資產流動性，減少利率波動風險，有利於縮減表內資產規模，提高資本使用效率。在推進資產證券化的過程中，商業銀行可以通過持有一定比例的資產，加強銀行管理風險的責任，通過杠杆率管理來有效控制衍生金融產品的泛濫。記者：下半年，銀行風險防控任務依舊艱巨，交行就此有何措施?牛錫明：下半年，交行全行上下要把風險管理放到更加突出的位置，穩定利潤增長，管控好資產質量。“全覆蓋、全流程、責任制、風險文化”的風險管理要求必須貫穿到經營管理的全過程，要把發展建立在風險管理的基礎上，築好風險防洪堤。當前，銀行信貸風險3年暴露、5年暴發、7年損失的“357效應”已進入風險集中暴露期。風險指標已經成為影響銀行經營與市場股價的關鍵因素。這種形勢下，資產質量管控既是攻堅戰也是持久戰。下半年，交行將繼續推進全面風險管理體系真正落地。全面風險管理體系的核心，就是“全覆蓋、全流程、責任制、風險文化”。董事會、高管層要強化風險管理的決策領導職能，明確風險偏好，強化限額管理和名單制管理，加強考核引導與責任落實，完善體系架構，做好風險形勢研判與效果評估。要深入推進統一授信管理體制建設，推動表內、表外信用風險評審全覆蓋。完善零售信貸風險管理體系，做好頂層設計，優化體制機制。建立規範透明、獨立核算的理財業務資產負債表管理體系。要牢固樹立“流程為本、程序至上”的管理理念，嚴禁逆流程審批，嚴禁用簽報審批貸款及有風險的資產業務。此外，要將風險管理覆蓋到所有創新業務。無限制可創新，但創新必須有規矩。對新型業務要堅持依法合規、有章可循；流程清晰、風險可控。必須進行詳細的風險評估，找准風險點，建立規範的審批流程與規章制度，細化操作辦法，明確風險責任，防範各類風險隱患。實踐證明，誰能平衡好“發展與風險”的關係，誰就是贏家；誰能把握好“利潤與質量”的關係，誰就能笑到最後。迷你倉

掛失後仍可辦銀行卡 可能被不法分子用于洗錢和詐騙 在我國，存倉居民生活中丟失身份證後，即使做補辦（掛失）處理，但由於目前沒有任何注銷措施，導致原身份證仍可正常使用。新華社記者近期在調查中瞭解到，大量遺失、被盜身份證正通過網絡進行非法交易，並被廣泛用于開辦銀行卡、信用卡，掩護詐騙、洗錢活動。更令人憂慮的是，由於我國現行二代身份證缺乏必要的密碼等基本防偽功能，若不法分子掌握與自己外貌相近的他人真實身份證，則可“分身兩人”，加大公安機關打擊犯罪的難度。網絡公開叫賣掛失身份證身份證是我國居民目前最重要的身份證明，而記者近日暗訪瞭解到，這一重要證件竟在網上被公然叫賣。通過百度搜索，記者聯繫到一位自稱金老闆的人，他在自己的QQ空間貼出了156張女性身份證照片和112張男性身份證照片，以中青年人為主。金老闆表示，他的身份證都是真的，每張400元，價格可以商量，但最低不會低於280元一張。另一名身份證販子同樣手握大量“貨源”。記者告知對方需要年齡30歲左右的一男一女兩張身份證，對方立即通過QQ傳來男女各數十張符合條件的照片供記者挑選。身份證販子稱，身份證的照片本來就和真人有差距，只要不相差太多一般看不出來。這些身份證都是偷來的，確保是真的，即使丟身份證的人到派出所做掛失，這些身份證仍然可以用。記者調查瞭解到，丟失的身份證之所以成為不法分子的牟利工具，是因為我國現行二代身份證存在“先天缺陷”。天津市南開區戶籍管理中心工作人員告訴記者，二代身份證沒有密碼功能，不能通過修改密碼的方式停止卡片使用。根據有關規定，公民丟失居民身份證後應當向常住戶口所在地派出所申報丟失補領，公民辦理丟失補領證件的行為本身就告知了公安機關證件丟失的事實，不需要再辦理掛失。如有相關要求，公安部門可以開具一個掛失證明以進行免責維權。據瞭解，因為升學、居住地變更、留作紀念等原因，很多人都持有多張本人身份證，這些身份證確實可以使用。違法冒用身份證產生多重危害記者採訪瞭解到，通過“身份證交易黑市”，大量被盜身份證被違法冒用，產生多重危害。危害一：三五百元買證卡，為詐騙、洗錢提供掩護。案例：長期從事銀行卡交易的徐某告訴記者，自己從黑市購買了大量被盜身份證，他拿著本人身份證和被盜身份證可以方便地“代開”銀行卡，然後將被盜身份證、銀行卡一起賣給需要的人。工行、農行、建行帶網銀、身份證的銀行卡，一套500元，只帶身份證的銀行卡一套300元。據瞭解，相當一部分“被代辦”的銀行卡被用于詐騙活動，部分代辦的銀行卡可能被用于官員“洗錢”。資料顯示，沈陽市皇姑區警方曾破獲一起銀行卡犯罪案，詐騙團伙以每張80元的價格購進110張身份證，在兩周之內，用這些身份證辦理了288張銀行卡，至案發時已賣出130張。危害二：部分被盜身份證被騙領信用卡，從事詐騙。案例：天津市日自存倉即審理一起利用他人身份證騙領銀行卡進行出售的案件。2012年5月下旬，犯罪嫌疑人李江偉使用非法獲取的多張他人身份證，多次到天津市的多家銀行騙領銀行信用卡，後以人民幣4800元的價格向犯罪嫌疑人王下山、王玉華出售上述信用卡共計29張。其後，王下山、王玉山複制該信用卡並加價出售，被警方查獲。危害三：“分身兩人”，坐車、上網、買房不會被發現。案例：據瞭解，通過“身份證交易黑市”，確實可以買到與自己體貌特徵相近的“真身份證”。如持有該身份證，就可以“分身”成形式上完全合法的兩個人，如此在酒店登記住宿、乘坐長途客車、乘坐火車、在網吧上網時均不會被發現。現有偵破的案件中，一人持有多個身份證借以逃避抓捕的現象非常常見，如陝西房姐“龔愛愛”即持有多個身份證。■專家觀點加大涉身份證犯罪打擊力度目前，身份證在公民的日常生活中扮演著極其重要的角色，因此，它身上的“先天缺陷”確實會給個人和社會帶來天大的危險，這提醒有關方面對此必須引起足夠的重視和警惕。專家認為，對策之一是加大涉身份證犯罪的打擊力度。相關法律規定，冒用他人居民身份證或者使用騙領的居民身份證的，由公安機關處二百元以上一千元以下罰款，或者處十日以下拘留，有違法所得的，沒收違法所得。天津萬華律師事務所律師李琳認為，這個懲處相對於違法帶來的利益來講仍然太輕，很難起到應有的威懾作用，應加大懲罰力度。此外，身份證技術升級更是迫在眉睫。儒法律師事務所律師孫沫認為，通過技術升級讓我國公民的身份證具有更強的防偽、防盜功能，比如使丟失後的身份證失去磁卡功能，或在讀取舊身份證信息時可以通過系統顯示已注銷，給相關部門以提醒，才能從根本上截斷身份證買賣市場的利益鏈條。據新華社■權威回應加快推進登記指紋信息工作晨報訊（記者 何欣） 針對近日有媒體報道稱互聯網上存在遺失、被盜身份證非法買賣問題，昨天，公安部治安管理局有關負責人表示，一切買賣、冒用他人身份證的行為都要受到法律追究。公安機關將繼續加大打擊買賣、冒用他人身份證違法犯罪活動的力度，並加快推進年初開始�動的居民身份證登記指紋信息工作，採取多種措施保證居民身份證的安全可靠。公安部治安管理局有關負責人表示，經過10餘年的努力，全國累計制發二代證逾12億張。公安部也開展了多次身份證管理專項清理整治行動，較好解決了身份證重號問題。新修訂的《居民身份證法》規定了公民申領、換領、補領居民身份證應當登記指紋信息。居民身份證登記指紋信息，能進一步增強證件防偽性能，同時社會用證單位能夠快速、準確地進行人、證一致性認定，可以有效防止冒用他人身份證等違法犯罪行為的發生。目前，全國已有16000余個派出所�動居民身份證登記指紋信息工作，到今年年底將在全國全面鋪開。廣大群�有自願提前換領身份證的，可到本人戶口所在地派出所換領登記指紋信息的身份證。迷你倉新蒲崗

現金類資產是家庭財富組合中必不可少的一部分。如何才能讓現金能夠隨時可用，self storage又產生更高收益呢？日前，廣發銀行推出了現金管家系列產品之“智能金賬戶”，主要瞄準對流動性、收益性和便捷性有高要求的客戶群體。該產品整合了儲蓄賬戶、貨幣基金及信用卡三種金融產品的功能。客戶可用銀行的錢消費，把自己的錢投資，讓活期資金最高效利用。開通“智能金賬戶”後，客戶可預先設定留存金額，把活期賬迷你倉中高于留存金額的資金自動申購易方達基金貨幣A。該基金力爭為客戶提供最高20倍于同期活期利率的收益。其中，業內首推的“智能還款功能”將自動根據客戶當月信用卡應還款數額及還款到期日，以“先利用賬戶內現金，後贖回賬戶內貨幣基金”的原則，智能計算需贖回的貨幣基金數額及最佳贖回時間，然後在設定還款日期自動還款，確保實現投資收益的最大留存。採寫：南都記者 楊森 通訊員 曾明瑞 童敏文件倉

證券時報記者 朱凱中國人民銀行昨日公告稱，儲存倉未來2年內將暫停包商銀行在銀行間市場的債券結算代理業務資格。央行對外公佈一家商業銀行相關業務的處罰決定，迄今為止還是首次。這份由中國人民銀行辦公廳8月7日印發的通知，要求暫停包商銀行銀行間市場債券結算代理業務資格，為時兩年。並要求包商銀行不得發生新的債券結算代理業務，存量業務應逐筆自然退出。暫停期滿後，根據專項現場檢查評估結果，決定是否恢複包商銀行此項業務資格。此外，公告中並未披露暫停該行上述業務資格的原因。證券時報記者致電包商銀行總行辦公室，工作人員稱對此事並不知情。而設于北京的包商銀行新聞中心人士則告訴記者，他們也是昨天下午才知悉此事，目前相關負責人士正在進行內部溝通，暫不對外置評。根據央行昨日公告，包商銀行此次被暫停的業務主要與銀行間市場的同業拆借及債券的交易、結算、清算等有關。對此，華南某股份制銀行相關人士告訴記者，如果包商銀行的這類業務占比本來就不高，此次資格暫停所造成的直接影響不會太大。迷你倉沙田是，與兩年前另一家受罰銀行的“遭遇”類似，對於其自身的市場聲譽將帶來不利衝擊。兩年多前，由於相關負責人涉嫌暗箱操作及利益輸送，央行暫停了國內某家商業銀行的債券結算代理業務。證券時報記者近日瞭解到，該行相關業務權限至今仍未放開。這家銀行內部人士還告訴記者，當初相關監管部門僅僅是以口頭通知的方式，對該行的這些業務實施了凍結及暫停的處罰，並未有公開的告示。除央行行事風格日益透明化外，市場人士猜測，此次及時對外公開處罰決定，可能還與包商銀行具體涉事人員的級別較高有關。另有業內人士表示，由於暫停的是債券結算代理資格，包商銀行此次事件或許還與丙類戶有一定關聯。因某債券基金經理“黑幕”被曝光，今年3、4月份有關債市丙類戶的報道曾不絕於耳。據瞭解，作為一個群體，現在市場上的丙類戶已基本不存在了，相當一部分已轉為乙類戶。截至記者發稿，包商銀行相關部門還未對記者給出正面答複。此次處罰究竟是什麼原因所致，對於包商銀行具體業務會產生什麼影響等疑團，還有待進一步觀察。迷你倉價錢

本地華資銀行股，迷你倉沙田一向是賣盤的熱門對象，近日創興銀行（01111）證實獲數個潛在買家洽購，令一眾本地銀行股水漲船高，而事實上，近年中資資金不斷的在本地市場尋寶，包括銀行、證券、電訊股等，全部均是有策略上重要性的板塊。 根據過往的經驗，購併潮出現，不是在股市最低潮時，就是在大牛市的時期。道理很簡單，在股市低迷時，股價經過一輪大跌後，估值變得低殘，很容易變為執平貨的對象；至於在大牛市時，上市公司估值變得好貴，為了要繼續給予市場憧憬的價值，藉收購來提高盈利增長是最容易的手段，但往往也要付出高昂的溢價。 金融股併購大熱門 今次創興的買家之中，最盛傳的是越秀集團，消息指收購價為創興銀行市帳率（PB）約1.5至2倍，作價約66億至88億元，現時創興的PB約為1.5倍，不過比起2008年招商銀行（03968）收購永隆銀行時付出3倍PB的代價，現時估值難復當年勇。 中資金融機構對本地金融股一向興致甚濃，主要原因是香港金融機構包括銀行、證券行等發展成熟，在業務拓展及經驗上可有助中資機構，而且香港是國際金融中心，對中資機構而言是最容易走出去的第一步。 近年不斷有這類收購出現，如招行收購永隆、海通證券收購大福證券、信達入股亨達等，而現時本地銀行股中餘下可選擇的不多，大新銀行（02356）、永亨銀行（00302）及東亞銀行（00023），當中以大新及永亨機迷你倉價錢比較大，因兩者股權較集中，及部署第二代接班未及東亞的積極。 電訊股具戰略意義 電訊行業在任何國家或地區而言，都是具有很重戰略地位的行業，2000年大東電報局出售香港電訊時，原本大熱門的收購者是新加坡電訊，但市傳在中央暗地發功下，結果由小小超控制的盈科數碼動力以蛇吞象的姿態爭贏了，當然往後電訊盈科（00008）股價的故事讀者也是耳熟能詳。 2005年盈科獲內地第二大固網公司中國網通（後來被中國聯通集團兼併）入股20%股權，在2006年李澤楷曾計劃拆售盈科旗下的電訊業務資產予澳洲麥格理銀行及美國新橋資本，但最終在信息產業部及網通反對並施壓下無疾而終。 另一單則是中移動（00941）在2006年收購當時的萬眾電話，其後撤銷萬眾的上市地位，並改名為中移動香港。事實上，當時萬眾只屬於規模細小的流動電訊商，也沒有3G牌照，但中移動仍收購，主要是看中本地電訊市場的發展經驗。到了近日，港府有意收回部分現有3G頻譜再作拍賣，市場普遍認為是有利中移動香港取得在港的3G牌照，因中移動資金雄厚，在港競投3G牌照僅屬九牛一毛。 要捕捉這些購併浪潮，既考驗投資者的眼光，更大程度是考驗投資者的耐性，以創興銀行為例，2008年時已曾傳出收購消息，當時股價亦炒上20元以上，可是在金融海嘯後，2009年股價曾跌至7.8元水平，到2011年才重上20元以上，可見當中的風險。迷你倉庫

Source: Times Union, Albany, N.self storageY.Aug. 13--Drive-time radio host Bruce Jacobs confirmed Tuesday morning that his contract at Town Square Media has not been renewed, and his final show on WTMM (104.5 FM) will air Friday, Sept. 6.Jacobs, who began in the market Sept. 19 after Brian Sinkoff was fired, said he will return to the Phoenix market. He isn't sure what his next career move will be. His contract expires Sept. 18."I can't say I'm devastated by it, and I can't say I'm thrilled about that," Jacobs said by by phone. "Life has got to be lived, and it can't be lived in wallowing. I don't wallow."If there's no broadcasting involved (in the future), then that's the way it goes. I would hope I can do other things. I would hope there are other things I can do in life and do it well, which is sit behind a microphone and talk. I'll miss it if that's the case, and I don't know that it is."Mike Lindsley, hired in late March from Syracuse as midday afternoon and Yankees pregame show host, will take over Jacobs' drive-time slot, a station source confirmed. Armen Williams, recently hired to take over programming duties at the ESPN-affiliated station, will assume Lindsley's mid-afternoon slot.A call to Stephen Giuttari, operations manager at Town Square, was not immediately returned.Jacobs said the staff was told at a recent meeting that station revenues had grown 66 percent over the past year."I didn't get fired for saying something," Jacobs said. "Let's make sure that's clear. I didn't say anything outlandish that got me kicked out the door. For whatever reason, they decided not to offer me up another contract. It certainly wasn't ratin迷你倉s-related."I have no ill will toward these folks. We may not have eye-to-eye on all things, but they've never done anything cruel or mean or anything like that. They asked me if would stay until Sept. 6, so I agreed."Jacobs did encounter some controversy early in his two-year tenure in the market. In a Dec. 20, 2011, broadcast, he referred to two WNBA teams as "Los Angeles Lesbians" and the "Phoenix Dyke-ury." He apologized for those remarks the following day."It started out a little sluggish to me," Jacobs said. "I'm not big on change, but I've really grown to enjoy it. I really enjoy the golf around here that I've been able to play, and being 21/2 hours away from my family never hurts."Jacobs said he believes there were seven ratings books during his time. He said his ratings improved in four of them, went down in one and were flat in the others.Asked if he considered trying to approach WOFX (980 AM), the other market station that offers local sports talk, Jacobs said, "I don't really know these folks, so I don't know who I would inquire to. ... If somebody wants to talk to me, I'll be more than happy to talk to them, but it will have to be snappy."I have to put my plan into place. You just don't plan moving across country overnight, make all the arrangments, find a job ... It's critical I go home to a job. I'm not good if I'm not working. You don't want to be around me. I've got to be working. I've got to be busy."To discuss this story, visit the Sports Media blogCopyright: ___ (c)2013 the Times Union (Albany, N.Y.) Visit the Times Union (Albany, N.Y.) at .timesunion.com Distributed by MCT Information Services文件倉

Micro blogs and online platforms add to the appreciation of educationBy Zhao Xinyingzhaoxinying@chinadaily.迷你倉庫com.cnOn a hot summer day in July, well-known historian Zi Zhongyun was giving a lecture at Beijing Normal University.Few students were in the hall, as most had already started their vacation. Most of those present were from off-campus.Wang Shuilong was one of them.He gained a master’s degree in a military-related major in 2003 and has worked in a Beijing government office ever since.Now in his late 30s, he has attended all kinds of lectures in the past six years.“I wasn’t busy, so I went to some lectures recommended by my friends, and it felt good,” he said. “After that, I began to search for information on lectures on the Internet.”Wang is just one of many fans of summer lectures in the capital.A micro blog account on the Sina Weibo website called Lectures at Peking and Tsinghua Universities has more than 100,000 followers, while a chat group on Internet company Tencent’s platform on after-work lectures in Beijing has almost 500 frequent contributors.Most people who follow the lecture circuit are white-collar workers from sectors including finance, education and pharmaceuticals, to design, IT and the media, as well as government employees. They often gather online to share information and personal experiences.Having attended more than 1,500 lectures, Wang said he had achieved a different perspective.“Lectures are nourishment for the mind,” he said. “I have learned a great deal. I have acquired critical thinking.”Zhang Ziqiang, who set up Lectures at Peking and Tsinghua Universities on Sina Weibo in 2010, said it takes him three to four hours a day to update the account.He said he has carried on because he treasures the opportunity to gain knowledge, and enjoys the process of attending lectures.“Many followers send messages expressing their gratitude for the lecture information,” he said. “It makes me feel I’m respected, and what I do is valuable.”Experts say 儲存he fast-changing society has driven people to continue studying.“Life is full of uncertainties and risk, and people with limited knowledge may not be able to deal with all the situations they encounter,” said sociologist Ge Daoshun with the Chinese Academy of Social Sciences.He said people have to keep learning under such circumstances, and attending lectures or taking part in public forums is a good and convenient way to do so.“Through lectures and forums, people can acquire the habit of reflection and critical thinking, which enable them to adjust their way of working and thinking according to the changing situations,” he said. “People like attending them because they find it helpful in adapting to the fast-changing society.”Getting equal opportunities with students of prestigious universities is another reason.“Many lectures open to people from off-campus are in prestigious universities such as Tsinghua and Peking,” said Long Hai, 46, who attends a lecture almost every night. “For people who didn’t have the chance to go to a good college, like me, it’s a great opportunity to experience how it feels to be a student at these universities.”Chu Zhaohui, a senior researcher on education with the National Institute of Education Sciences, said gaining access to prestigious universities gives people a chance to get in touch with professors or experts in academic fields, to broaden their horizons and deepen their understanding.He also said he believes it is a college’s duty to share its resources with society, such as by holding lectures open to the public.“Our universities should be more open, giving more people who have passion an opportunity to learn,” he added. “People, universities and society all benefit from the process.”Yan Ran, Shen Jiahui andHou Liqiang contributedto this story.Our universities should be more open, giving more people who have passion an opportunity to learn.”Chu Zhaohuisenior researcher oneducation with the National Institute of Education Sciences新蒲崗迷你倉

Source: Jordan Times, AmmanAug.存倉 13--A departure from a tradition of an exclusively four-wheel-drive line-up (barring tiny Japanese domestic market "kei" cars) for Subaru, the long-awaited and much-feted Subaru BRZ is the car that Toyota have desperately need for some time to shake off a less-than-exciting image that has developed around the conventional, conformist and "safe pair of hands" values that have served them so well.A back-to-basics naturally aspirated rear-drive sports car with restrained power and weight, the BRZ is designed with the fun-factor and classic handling traits firmly in focus and is an altogether different proposition that Subaru's legendary rally bred turbocharged four-wheel-drive Impreza WRX STI.Developed mainly by Subaru in cooperation with Toyota -- who are shareholders -- the BRZ is more widely sold in the guise of a Toyota 86, and also under Toyota's Scion value brand as the FR-S exclusively in North America.Light, balanced and involving the BRZ uses a front-engine and rear-drive platform, and is smaller, lighter and less muscular than the GT-leaning Hyundai Genesis Coupe, with which it is tempting to draw parallels. Without a four-wheel-drive differential, the BRZ's flat, compact and well-packaged Subaru horizontally opposed or "boxer" engine is mounted yet lower, while Toyota's contribution mainly includes a direct fuel injection system adopted for the Subaru engine and the design.Handsome proportionsVirtually identical in appearance to its Toyota and Scion sister models, the Subaru BRZ however receives a more handsome, upright and bold fascia.In fact, it is essentially a different bumper design, with a trapezoidal grille/air intake that is wider on top in addition to more horizontal running and fog light housings. Shark-like and low with swept-back headlights with a semi-circular outside kink, the BRZ is a handsome machine with classic rear-drive proportions including a low and long hood, and low sloping roofline, which extends to a fastback-like rear with a small boot-lid rather than hatchback. Sporting details include front air splitter, side ports and dual exhaust pipes.Defined side haunches lend the BRZ presence and tone, while with its engine mounted especially low and a correspondingly low bonnet, front visibility is terrific.Rear light clusters are shaped nicely but would look better if they weren't clear cased. The BRZ's matt grey alloy wheel design looks better than its sister models, but larger rear footwear would have better filled out the somewhat muscular rear haunches and offered better rear grip -- perhaps Subaru's trademark gold alloys would have worked well with the beautiful traditional blue paint, but that is something we might see on a more powerful Subaru BRZ STI version in the future.Delicate and connectedSitting low and upright in an alert driving position in the BRZ's six-way adjustable and supportive body-hugging sports seat one feels hunkered down and cozy but not uncomfortable. With a small but chunky steering wheel and stiff, stubby and precise short-throw gear lever falling nicely to hand, one enjoys a distinctly sporty and connected experience, which is enhanced by the fact that the BRZ's cabin isn't overly insulated and one can steel hear the throbbing "boxer" engine and gearbox linkages at work. With shoulder pressed slightly to the door and compact dimensions, the BRZ is easy to manoeuvre and place on the road.Controls, vents, buttons and dials are clear and user-friendly, while styling is pleasant but not over-stated or obsessed with heavy and expensive luxury materials.The BRZ feels well assembled but somewhat delicate, but isn't quite a stripped-down racer, and includes safety and convenience features like six-speaker stereo with USB connectivity, dual-zone climate control, keyless entry, brake assist, numerous airbags and even Isofix child seat mounts for the somewhat occasional-use rear twin bucket seats. Driven in GCC-spec with full-size spare wh自存倉el rather than space saver or re-inflation kit, the BRZ's 243-litre boot space is limited in size and opening and not flat, but folding rear seats expand luggage capacity.Eager to revThe BRZ features a light but precise clutch pedal with delicate biting point, which takes a few minutes to adjust to, as well as accurate crisp brakes and throttle, and a general un-fussed, sporty and pragmatic business-like sensibility.Thumbing the ignition button, the BRZ's charismatic Subaru flat-four engine comes to life, and with a staccato rumble of sorts, is eager to be revved hard and high into rev range.Designed to be a revvy engine with precise throttle control for delicacy and precision, the BRZ's engine not just rewards more in high revs, but needs to be thrashed mercilessly for it to deliver.A different proposition to the Impreza STI's meatier, more brutal and surging turbocharged cousins, the BRZ's engine is progressive and revvy, and delivers its maximum potential at lofty engine speeds. With power building up to 197BHP at 7,000rpm and 151lb/ft torque peaking at 6,400-6,600rpm, the BRZ isn't exactly a muscle car, and can feel under motivated in low- and mid-range speeds.Dispatching the 0-100km/h sprint in 7.6-seconds and topping out at 225km/h, the BRZ is quick enough, but with hot family hatchbacks like the Ford Focus ST and VW Golf GTI coming delivering sub-seven-second acceleration, the BRZ could do with more firepower.Balance and precisionA light, balanced and eager drive that is reasonably priced, rear-drive and handsome, the Subaru BRZ is a car best enjoyed when driven hard, but with only 151lb/ft on offer, some will be baying for a possible STI version, while for others this is a prime candidate to be tuned to 250BHP or even 300BHP with the addition of a turbo.After a short test drive however, one is happy to report that the BRZ isn't nearly as tail-happy and drifter-oriented as some gushingly report about its' Toyota sister. Perhaps it is a case of exaggeration, or more likely that Subaru's suspension tuning takes a more mature approach.With rally and four-wheel-drive heritage, where grip is important to cover ground effectively, quickly and safely, Subaru hasn't succumbed to a trendy and overtly drifty set-up, even with modest 215/45R17 rear tires. A fun and precise car, the BRZ has a nice balance between crisp handling, intuitiveness and decent rear grip. Quick and light steering is accurate and the front wheels bite hard on turn-in, while the light 1,230kg BRZ enjoys flat cornering and with revvy engine and modest torque, one can come back on the throttle early.Smooth but firm, the BRZ is agile and light on its feet but stable -- And yes it will tail-slide accurately, progressively and intuitively if one wants it to.Technical specificationsEngine: 2-litre, horizontally-opposed 'boxer' 4-cylindersBore x stroke: 86 x 86mmCompression: 12.5:1Valve-train: 16-valve DOHC, direct-injectionGearbox: 6-speed manual, RWD, Torsen limited-slip rear-differentialGear ratios: 1st 3.626:1; 2nd 2.188:1; 3rd 1.541:1; 4th 1.213:1; 5th 1:1; 6th 0.767:1Reverse / final drive ratio: 3.437:1 / 4.1:1Power, BHP (PS) [kW]: 200 (197) [147] @ 7000rpmSpecific power: 98.6BHP/litrePower-to-weight: 160.1BHP/tonTorque, lb/ft (Nm): 151 (205) @ 6400-6600rpmSpecific torque: 102.6Nm/litre0-100 km/h: 7.6-secondsTop speed: 225km/hFuel consumption, urban / extra-urban / combined: 10.4 / 6.4 / 7.8l/100kmCO2 emissions, combined: 181g/kmFuel capacity: 50-litresLength: 4240mmWidth: 1775mmHeight: 1425mmWheelbase: 2570mmTrack, F/R: 1520 / 1540mmGround clearance: 120mmKerb weight: 1230kgBoot capacity: 243-litresSuspension, F/R: MacPherson struts / double wishbonesSteering: Electric assistance, rack and pinionLock-to-lock: 2.48-turnsTurning radius: 10.79-metresBrakes: Ventilated discsWheels: 215/45R17Copyright: ___ (c)2013 the Jordan Times (Amman, Jordan) Visit the Jordan Times (Amman, Jordan) at .jordantimes.com Distributed by MCT Information Services迷你倉新蒲崗

Source: Pittsburgh Post-GazetteAug.mini storage 13--The education of Jarvis Jones continued Monday as the Steelers stepped into their third and final week of training camp still looking for the "wow" factor from their first-round draft pick.They expect it to come, and they expected it to evolve the way it has. No rookie has claimed a starting outside linebacker job with the Steelers in the previous 31 years they've run the 3-4 defense and, barring injury, Jones might not be the first. What his coaches would like to do is rotate him into the defense the way they did in 2007 with the rookie LaMarr Woodley.As with a young bronco, first they have to break Jones of certain habits, like doing whatever it was he felt like doing in Georgia's 3-4 defense."He has a great inside move," said Keith Butler, who is in his 11th season coaching the Steelers linebackers. "He is as quick as anybody and, when he gets that inside move on you, it's very hard to stop him from getting to the quarterback. He's very good at that."But ... we have a lot of things going on inside him with stunts and games and things like that, that if he does go inside he's going to run into somebody. And so we don't want to put him in a position where he's running into someone else's rush lane. We want to keep him outside."It's not just all him doing what he wants to all the time. He's got to do what the defense requires more than anything else."Even those who have played as long as Butler has coached must fight that. Troy Polamalu admittedly guessed wrong Saturday night, and it cost the Steelers a touchdown. Sometimes, the freelancing works, too."James Harrison did it in the Super Bowl and gets a touchdown," Butler recalled. "Then, two years later, he does the same and gets a touchdown scored on him by Tom Brady. Those are great when they work. Just make sure you're doing it at the right time."Not only is Butler working with Jones on being in the right place, he wants to see a variety of pass-rush moves. Jones made a few good plays Saturday, recovering a fumble and tackling a tight end on third down, but no New York Giants quarterback felt his breath.Jones, most of all, was drafted because he is a pass rusher, and fans want to see, oh, 15-16 sacks from him."I'm hoping for 15-16 sacks, too," Butler said. "We talked about this [Monday]. He has to have a couple of rushes. You can't have all hand slaps, all getting on the edge of people. He has to get down and what we call walk the dog -- collapse the pocket, taking the big, freaking, 350-pound guy, getting right in his face and walking him back to the quarterback."He's capable of doing that, his coach said, and he has been working on his hands with Steelers broadcaster Tunch Ilkin, their former Pro Bowl offensive tackle."You look how heavy his hands are, he has real strong hands," Butler said.The Steelers plan to move him around inside as well in their nickel pass defenses and let him rush from there. Southern California recruited him as a middle linebacker, and Butler said he has the instincts to play that position, but ..."He is where we want him," Butler said. "He fits us like a lot of people don't fit us."They felt lucky to draft him with the 17th overall pick. Their doctors discounted the neck problem that doctors at Southern California supposedly discovered and led to him not playing thself storagere. The Steelers also pooh-poohed the 4.9-second 40-yard dash he ran for the scouts at his pro day."I think he plays plenty fast at that position," Butler said. "I don't think he's 4.9 by any means."Everybody wants the 40 time. Coaches want to see him play. Scouts want to see all the measurables, so, if they don't have a 40 time, they're freaking out going into the draft room: 'We don't have a 40 time on this guy.' So we're constantly looking for that."So we go down to his workout and his hamstring is still bothering him, so he runs the 40 and he pulls up right at the end and they take a 4.9 from it, so everybody puts a 4.9 on him."He doesn't play at 4.9. You look at the film, it doesn't show a 4.9."What would he run without the hamstring problem?"I don't know," Butler said. "I think he probably runs a 4.7, 4.8."Plenty fast, Butler said. Now they need him to start walking the dog.Bell returns to practiceRookie halfback Le'Veon Bell returned to practice with the rest of his teammates Monday and wants to join them for their next game as well Monday against the Washington Redskins at FedEx Field in Landover, Md.Kirby Wilson is looking forward to that almost as much as Bell."Hopefully, this is the week he can go out there and show us what he's capable of doing," said Wilson, who coaches the running backs.Bell already has impressed Wilson through the first two weeks of training camp, although part of that and the entire game Saturday were disrupted by a knee bruise that occurred 10 days ago."He hasn't had a mental error the entire camp, which is rare. I've never in my 16 years in the league seen that happen. He's sharp. It's his background."Bell has a chance to become the first rookie to win the starting job since Bam Morris started six games in 1994.The Steelers do not want another halfback-by-committee that injuries forced on them in 2012."Nobody wants that, not your players, not a coach," Wilson said. "You want your guy out there all the time. Hopefully, we'll develop somebody like that."Quick hits--Wilson liked how Jonathan Dwyer ran Saturday night, but he would like to see him handle the ball better as a receiver."He had only one carry we all disagreed with his decision with the ball. We'd like to have seen him make a couple plays in the passing game when he touched the ball, and that didn't happen. But he's a capable receiver, and we expect him to perform a little bit better in that area."--Wilson and Butler said special-teams coach Danny Smith could decide who the final roster spots go to in the backfield and at linebacker, and maybe wide receiver and defensive back."Your backup guys have to be great special-teams players," Butler said. "It will come down to who Danny Smith likes because the competition will be that close."Said Wilson, "That's the key for a lot of them. Your competition is not really in my room, it's the extra DBs, the extra linebackers. We have some young linebackers who can hit and run, so it's going to be pretty competitive here the next few weeks."For more on the Steelers, read the blog, Ed Bouchette on the Steelers at .post-gazette.com/plus. Ed Bouchette: ebouchette@post-gazette.com and Twitter @EdBouchette.Copyright: ___ (c)2013 the Pittsburgh Post-Gazette Visit the Pittsburgh Post-Gazette at .post-gazette.com Distributed by MCT Information Services迷你倉

驚喜一：“美時美客·龍卡全單8折”！2013年8月1日至2013年9月30日，儲存倉建行龍卡持卡人（含信用卡、理財卡、借記卡等）持建行龍卡至活動商家刷卡消費，可立享全單8折特大優惠（餐飲活動商戶含酒水、海鮮、燕鮑翅等，KTV 活動商戶含超市消費）。金額不限，名額不限，每天都有，多刷多賺！參與活動商戶名單：香江匯國貿店；香江匯火鍋本色；香江匯江南店；香江匯西大店；鴻雁鵝莊；好歌城朝陽店；好歌城東葛店；好歌城秀靈店；家富富僑東葛店。驚喜二：“刷龍卡尊享18元萬達影院觀影”即日起至2013年8月31日，每逢周二、周五，建行信用卡、樂當家理財卡持卡人在南寧悅薈廣場萬達影院刷卡購票觀影，即可享受18元超低票價2D、3D影片通看特大優惠！每人每卡每日限購2張 ，每個活動日限100張，售完即止，快來搶啊！驚喜三：“龍卡歡唱大歌星”即日起至2013年8月31日，建行龍卡持卡人（含信用卡、理財卡、借記卡）在南寧悅薈廣場“大歌星”KTV刷卡消費，即可享受包廂費7折優惠（不含總統廂、商務廂），刷卡滿迷你倉沙田00元還有禮包贈送！驚喜四：刷龍卡，萬象城四海一家兩人消費一人免單。201 3年7月1日至9月31日每逢周四，在南寧萬象城四海一家刷建行龍卡消費立享2人就餐1人免單優惠，午餐限40人、晚餐限60人。每日優惠數量有限，送完即止。驚喜五：刷龍卡，萬象城沃美影院觀影立減10元。2013 年7月9日至9月31日每逢周四，在南寧萬象城沃美影院刷建行龍卡購票即可享受8點至18點場電影票價減10元優惠。每日優惠數量有限，送完即止。驚喜六：“玩轉暑假閱刷龍卡”即日起至2013年9月30日前，逢周六、周日，建行龍卡持卡人（含信用卡、理財卡、借記卡等）在南寧新華書城（金湖店）刷卡單筆消費258元以上，即可獲贈野餐墊1個或萬象城滑冰券一張，每日限前50名，送完即止！驚喜七：蘇寧電器分期購物，零息零手續費 2013年6月28日至12月31日，建行廣西區分行信用卡持卡客戶持建行信用卡至蘇寧電器廣西指定門店單品單筆滿1500元，可現場辦理6期零手續費商戶分期業務（部分商品除外）。以上活動詳詢95533。迷你倉價錢

Source: The Daily Item, Sunbury, Pa.存倉Aug. 12--DANVILLE -- A Northumberland area woman will be spending three months in jail and six months in home confinement for stealing $15,841 from her elderly aunt to use for college tuition for her son.Elizabeth "Betsy" Stump Petersen, 47, of 454 Bulk Plant Road, was also ordered to pay a $100,000 fine. That fine is mandatory for a charge of dealing in proceedings of unlawful activities, according to Judge Gary Norton who sentenced her Monday in Montour County Court. The statute states the minimum fine is $100,000 or twice the amount stolen whichever is greater.In addition to jail time for theft by deception, Norton sentenced her to pay a $500 fine, undergo supervised probation for 15 months and to do 30 hours community service. He also ordered her to pay back the $15,841 stolen.Petersen, who at one time served as executive director of the Danville Area Red Cross and had worked in public relations for a nursing home, will begin serving her sentence at 9 a.m. Aug. 31 in the Columbia County Jail. Montour County doesn't have facilities for women prisoners.Petersen previously pleaded guilty and averted a trial on a day prospective jurors were called in June.For the unlawful activities charge, Norton also imposed a concurrent term of three months in jail and six months' electronic monitoring.For theft, he ordered her to pay a $300 fine and placed her on probation for a two-year concurrent term.Petersen told the judge she "was truly sorry" and planned to pay back the money from her Aunt Elenora Conrad's accounts. Petersen served as a substitute agent power of attorney for her 83-year-old aunt who lived at Nazareth Memory Center in Mahoning Township.Petersen told Norton taking the mone自存倉 was a way to keep her son in school. Her son was attending Susquehanna University at the time. "I am very, very sorry," she said."I've seen a lot of embezzlement cases. It is phenomenal how many people steal money from charitable organizations and every last one of them says they meant to pay it back. I don't know if that's a justification to trigger the money but it isn't coming by osmosis," Norton said.Attorney Clyde Middleton, representing Petersen, said the Petersen home is paid for."A lot say they intended to pay it back but it's a pipe dream," Norton said."There will always be bills," he said.Montour County District Attorney Rebecca Norton noted the age of the victim in the case and that six transactions were made in two months with one failed transaction. "She relied on her niece for power of attorney. The victim owes $12,000 to the nursing home and by the grace of Emmanuel, she hasn't been evicted," Warren said.When asked about her ability to pay for the electronic monitoring program, Middleton said Petersen's husband has a full-time job.Warren said he believed incarceration was necessary. The judge also noted Petersen hadn't paid anything back yet.Middleton said Petersen was trying to obtain a loan to pay back the money but the Petersens don't have a credit history but they do have equity.About September 2011, Petersen assumed control of Conrad's financial affairs through January 2012. Petersen issued checks from Conrad's account at Susquehanna Bank to herself and her husband, depleting Conrad's funds and co-mingled the funds with her own, police said.Copyright: ___ (c)2013 The Daily Item (Sunbury, Pa.) Visit The Daily Item (Sunbury, Pa.) at .dailyitem.com Distributed by MCT Information Services迷你倉新蒲崗

　　中移動（941）則於周四公布業績，迷你倉價錢市場關注中移4G部署，股價近3周在82元至84元範圍上落，保歷加通道有擴闊�象。若看好中移動，可留意中移購「25892」，行使價90元，明年2月上旬到期，實際槓桿約13倍。相反，看淡則可留意中移沽「25659」，行使價75元，明年1月上旬到期，實際槓桿約11.8倍。　　另一方面，受惠市佔率持續上升、3G客戶質素改善及手機補貼佔收入比率減少，聯通（762）中期純利按年升55%。4G方面，聯通一向發展FDD-LTE制式，其董事長指今年開始試驗建TD-LTE基站，對於可能增加開支的憂慮，分析指額外資本開支對聯通財政壓力不大，而管理層指開支高峰期已過。看好聯通，可留意其認購「24029」，行使價12元，明年4月下旬到期，實際槓桿約4.8倍。摩通香港認股證牛熊證銷售及市場部本資料所述產品並無抵押品。如發行人及擔保人無力償債或違迷你倉庫，投資者可能無法收回部分或全部應收款項。本資料由摩根大通證券（亞太）有限公司（「摩根大通」）編製，僅供參考用途，並不構成任何要約、建議、提呈出售或招攬購買任何上述產品，亦並不構成摩根大通進行任何上述交易之承諾。過往表現並不代表將來的表現，摩根大通不保證未來事件或表現將與上述任何意見或預測一致。可贖回牛熊證備有強制贖回機會而可能被提早終止，屆時 （i） N 類牛熊證投資者將不獲發任何金額；（ii） R類牛熊證之剩餘價值可能為零。結構性產品之格價可急升也可急跌，投資者或會損失部分或所有投資。摩根大通並非投資者的顧問或信託人。投資前應詳閱有關上市檔並在需要時諮詢專業意見了解及評估風險，否則切勿投資上述產品。結構性產品於第二市場的流通量是無法預料的。J.P. Morgan Broking （Hong Kong） Limited可能是上述結構性產品的唯一流通量提供者。儲存

□本報記者 張枕河盡管數據顯示，迷你倉庫全球最大的黃金ETF—SPDR黃金信托的黃金持倉量在上周五大幅加倉1.8噸，兩個月來首次出現增持現象，但市場中依然有部分投資者並不看好黃金前景。美國商品期貨交易委員會（CFTC）最新公佈的周度持倉報告顯示，在截至8月6日的一周內，對沖基金等大型投資者連續第二周削減黃金淨多倉位，主要仍是因為對美聯儲將提前削減量化寬鬆規模的擔憂。此外，在美聯儲高層的“鷹派”表態下，美元卻並沒能得到預期的提振，反而繼續下探，並刷新七周來低點，主要是受到利空的經濟數據作用。在此背景下，投資者對美元的態度極為謹慎，CFTC截至8月6日當周的美元持倉情況與前一周相比幾乎沒有變化。市場一方面對經濟數據可能對美元的利空作用有所擔憂，但另一方面卻也認為美聯儲收緊貨幣政策必將推高美元匯率。黃金淨多倉位再遭削減上周，國際黃金期價上漲約0.3%，且為連續第二周上漲。據最新監測的黃金ETF數據顯示，上周五全球最大黃金ETF—SPDR黃金信托的黃金持倉量增加了1.8噸，這是兩個月來首次出現增持現象，該基金現淨持倉總量升至911.13噸，現黃金持有總價值約為383.25億美元。分析人士指出，如果黃金ETF資金流出跡象即將結束，打壓黃金價格的一個關鍵因素就將消失，但是部分大型投資者依然不看好黃金前景，特別是市場投機性較強的對沖基金等。CFTC數據顯示，在截至8月6日的一周內，對沖基金把黃金淨多倉位下調27%至48103張期貨和期權合約，創下6月份以來的最大降幅。此外數據還顯示，18種在美國交易的大宗商品的總淨多倉位下降19%，達到3月份以來的最低水平，其中，衡量對農產品押注的倉位有史以來首次由淨多倉變為淨空倉。分析人士指出，隨著一些投資者對黃金的保值功能失去信心，加之世界多個主要央行以前所未見的速儲存擴大寬鬆但通脹率卻並未加速的背景下，黃金前景依然令人擔憂。美國合�銀行高級股票策略師吉姆·羅素表示，預計全球通脹環境仍處於可控狀態，因此投資者並不急於購買黃金，“通脹率並沒有像預期的那樣大幅上升，預計未來通脹率也不會飆升”。此外，多位美聯儲高層如芝加哥、克利夫蘭和達拉斯聯邦儲備銀行行長等均在上周表示，隨著就業市場好轉，美聯儲可能離縮減債券購買更近一步。美元前景撲朔迷離市場人士指出，上周的美元走勢非常“蹊蹺”，按常規來看，美聯儲高層相對偏向“鷹派”，主張在今年內收緊貨幣流動性的表態，應該會為美元提供支撐，但是美元卻創下了七周來的低點。CFTC最新數據顯示，在截至8月6日的一周內，投機性和前瞻性都較強的對沖基金選擇了“按兵不動”，美元指數的淨多倉位為25190張期貨和期權合約，而前一周的淨多倉位為25191張合約，近兩周幾乎持平。業內人士指出，上周美國經濟數據依然未能迎來“亮點”，這也使得美元的走勢持續疲軟。尤其在7月非農報告表現欠佳之後，市場需要利好的就業數據以提振美元人氣，然而事與願違，這直接拖累了美元走勢。最新數據顯示，7月27日當周，美國全國領取失業金總人數增加6.7萬人至301.8萬人，遠高于市場預期。盡管上周美聯儲多位高層釋放“鷹派”言論，甚至之前“鴿派”成員代表、芝加哥聯儲主席埃文斯都出現倒戈。他在發言中也強調，美聯儲將很可能會在今年年內宣佈開始縮減量化寬鬆措施的規模，且首度縮減的時間最早可能在今年9月份。但之前市場對於9月縮減量化寬鬆規模的預期早已十分強烈，加之7月非農報告在內的多項美國重量級經濟數據表現平庸，消減了上述類似表態的可信度。因此這些“鷹派”言論未能對美元匯率形成實質性支持，美元短線可能繼續承壓，但下方將獲得較強支撐，預計近期美元的CFTC持倉數據波動性將較小。新蒲崗迷你倉

近日，儲存倉記者從高新區志工委獲悉，2013“學雷鋒便民利民”志願服務項目已在高新區正式�動。在近2個月的便民利民志願服務活動中，將舉行100場學雷鋒活動，內容包括關愛老人、關愛殘疾人、關愛留守兒童等，參與志願者將達到近萬人次，為轄區近5萬名群�提供志願服務。據悉，這項服務將成為成都高新區今年夏天“最解暑”的民生工程、清涼工程。�動儀式現場，來自成都高新區中和街道各社區和成都高新區志願者協會中和分會的300名黨員志願者和青年志願者現場宣誓。四川經濟日報記者 鮑安華 張萍 攝影報道

信息來源於四川新聞網 / Cited from .newssc.org/中行四川省分行授信百億支持商會民營企業。中行四川省分行與四川省商務廳簽署戰略合作協議。??中國銀行四川省分行多種“模式”支持中小企業中小企業融資服務銀行??這是中國銀行四川省分行為自身設定的戰略定位，新蒲崗迷你倉其出發點是履行大行職責，將金融服務送到廣大中小企業身邊。當前，中小企業融資難問題依然較為突出，主要原因是因為這類企業往往存在信息不對稱、合格的抵質押品缺乏、風險大且成本高等問題。為打破中小企業融資 “瓶頸”，近年來，中國銀行四川省分行立足客戶群體細分，優化業務結構，通過中銀信貸工廠、機構合作、村鎮銀行等多種業務模式的有效創新，為在川中小企業提供了更多具有針對性和差異化的產品，從內涵和外延上確保了中小企業金融服務質量的提升和覆蓋面的擴大，有效支持了中小企業健康發展。截至6月底，該行中小型企業授信占比合計較年初提升了3.28個百分點。□雷源 馮語桐圖片由中國銀行四川省分行提供創新“信貸工廠模式”：優化產品流程 提升服務效率據悉，中國銀行四川省分行自2009年正式推出“中銀信貸工廠”，打造了“簡便、快捷、高效”流水線工廠式服務，深受廣大中小客戶歡迎。同時，圍繞社會熱點和客戶特點，“中銀信貸工廠”不斷自我創新和提升，為實體經濟注入了源源不斷的活力。3月，四川省環境保護廳與中國銀行四川省分行在成都簽署《環保產業金融服務戰略合作協議》，“中銀信貸工廠”將高速運轉，在未來3年內將給予環保企業授信額度支持不低於100億元。同時，四川省環境保護廳與中國銀行四川省分行還將聯合設立“環保產業金融服務工作站”，作為環保產業融資平台的常設工作機構，以更好地促進四川環保企業發展壯大。5月，四川省商務廳與中國銀行四川省分行簽署戰略合作協議，中行將為省內“走出去”中小企業提供優質金融服務，積極支持“走出去”實體經濟。四川是農業大省，為有效推動農業現代化產業發展，適應四川現代農業鏈條式發展的新型金融需求，“中銀信貸工廠”還積極促進特色農業發展，促進農民增收，力爭取得農業產業鏈各環節的共贏。樂山羅城鎮村民老蘇從事肉牛養殖、屠宰、加工已經有20多個年頭，從最終子承父業時的小作坊，發展到如今擁有初具規模的牛肉深加工現代化企業。老蘇在自己盈利的同時，也帶動了周邊1000多戶肉牛養殖農戶發家致富。但隨著企業壯大，他所需的資金越來越多，對控制融資成本的要求也日益提高。中國銀行四川省分行急客戶之所急，想客戶之所想，指定專人上門瞭解客戶需求並達成合作意向，為老蘇解決技術升級改造的融資需求，並設計更加優惠的融資方案，降低他的融資成本。在短短一周時間內，老蘇的優惠利率及貸款申請均在“中銀信貸工廠”獲得了批復。有了這筆“及時雨”資金，老蘇的生產規模將得到較大提升，同時也將惠及當地的大量肉牛養殖農戶。創新“機構合作模式”：擴大合作範圍 豐富服務內容中國銀行四川省分行“機構合作模式”即通過與基金、擔保、商會等多種機構合作，有效整合資源，實現優勢互補，把握政策導向，拓寬業務渠道，挖掘客戶來源，多層次、多領域、全方位地為中小企業提供服務。首先，強化集團多元化平台優勢，量身定制金融服務??經過百年經營，中行已擁有全功能金融服務的大型網絡，能夠提供商業銀行、投資銀行、保險、證券、基金、投資、租賃和資產管理在內的各項金融服務，可以根據客戶的需求，延伸服務鏈條，拓寬服務領域，為客戶提供全面高效的“一站式”金融體驗。成都高新科技園區具有大量高成長性的科技型中小企業，但是它們大多為輕資產企業，缺乏金融機構mini storage統偏好的固定資產，企業負責人也往往為技術出身，缺乏與金融機構合作的經歷，因授信理念不一致經常不能有效達成授信方案。為解決這一難題，中行四川省分行以客戶為中心進行產品創新，聯合擔保公司和中銀保險公司，推出針對輕資產高新企業授信的創新產品??“高新通保”。該產品主要為無形資產、發明專利價值占比高、固定資產不足的科技類企業提供金融綜合解決方案，具有准入低、流程簡便、企業融資成本低、銀行風險可控等特點。“高新通保”一經推出，即受到了成都高新區、高新技術企業等多方的高度認同，企業客戶普遍認為，該產品能夠切實解決科技型企業融資難的問題。例如，某自動化公司是高新產業園區內一家以技術為依托的專業運動控制公司，企業創辦人員均為高學歷科技人員、大學教授等，技術實力雄厚，科技人員是公司最核心的資產。近期，該公司為加大國外運動控制產品研發，出現了一定的流動資金缺口。曾有多家銀行嘗試與其開展授信合作，但均因“缺乏足值抵押物”而宣告失敗。當中行四川省分行提供的“高新通保”產品進入該企業視野時，雙方合作一拍即合，中行四川省分行迅速為企業成功發放了200萬元貸款。此外，考慮到企業結算量頻繁且單筆進出資金金額較小並且有貯備拓展海外業務的特點，中行四川省分行還為客戶設計了國內+國際結算綜合服務方案，為客戶提供一攬子貿易融資及結算管理服務。第二，構建融資性擔保機構合作體系，有效增強客戶信用??在緩解中小企業融資難的實踐中，融資性擔保機構具有不可替代的增信作用。中行四川省分行與各類擔保協會、擔保機構緊密聯繫，有效調動各方積極性，形成點、面的有機結合，不斷拓展銀擔合作範圍，開拓銀擔合作渠道，擴大銀擔合作份額，加大對中小企業的金融服務力度。截至目前，中行四川省分行已與省內400多家融資性擔保公司中的近50家擔保公司建立了較為穩定的合作關係，形成了較為完善的省、市、縣三級擔保合作體系。第三，強化商會等行業性機構合作，保持信息溝通順暢??5月10日，中行四川省分行借承辦“在蓉部分異地商會秘書長聯誼交流會”之機，與四川省工商聯簽署了《“支持民營企業發展”金融服務戰略合作協議》。根據協議，中行四川省分行將對省工商聯及商會組織融資平台推薦的具有成長性的商會企業，在未來3年內給予不低於100億元的授信額度支持，促進四川商會企業發展壯大。同時為民營企業家及其家人提供理財、出國等金融服務。截至6月30日，中行四川省分行共與在川的百余家商會組織建立了合作關係，共為商會中小企業組織成員發放授信近20億元。中行四川省分行相關負責人表示，今後將一如既往支持民營企業做大做強，促進各項業務全面協調發展。創新“村鎮銀行模式”：紮根社區縣域 專心服務小微6月27日，岳池中銀富登銀行正式開業，這是中銀富登村鎮銀行在川開設的第一家銀行。中國銀行與中銀富登合作共同設立中銀富登村鎮銀行，旨在專注縣域、紮根社區，結合中國銀行的本土優勢與富登金融的國際經驗，採用國際先進的風險管理體系，進一步提升服務流程的便捷性，提供適合縣域農戶和小微企業的產品與服務。在深入瞭解社區縣域需求的基礎上，中銀富登村鎮銀行為客戶量身定做多款產品與服務，最大程度地促進社區發展；同時聘請本地員工，利用本地員工對本地社區縣域需求的充分瞭解和深厚感情，結合國際化的產品設計、服務水平和風險管理能力，為社區縣域加速發展帶來保證，體現共同成長的核心價值。中行四川省分行相關負責人透露，計劃與中銀富登在川設立更多村鎮銀行，預計未來3年將達到8??10家，以便讓更多中小微企業、個體工商戶和“三農”客戶能夠享受到現代金融的創新服務。self storage

中國銀監會發布「中資商業銀行行政許可事項實施辦法」修訂版的徵求意見稿，迷你倉新蒲崗與舊版相比，意見稿放寬了對境內金融機構發起設立中資銀行的條件，分析稱此舉將規範民間資本進入銀行業。反之，外資發起人條件趨嚴。和舊版相比，意見稿中對於境內金融機構發起設立中資銀行的要求有所放鬆，去掉了「商業銀行資本充足率不低於8％，非銀行金融機構資本總額不低於加權風險資產總額的10％」，以及「權益性投資餘額原則上不超過其淨資產的50％（合併會計報表口徑）」的要求。換言之，發起設立中資銀行的境內金融機構主要審慎監管指標符合監管要求，不再有其他硬性指標。中央財經大學中國銀行業研究中心主任郭田勇表示，降低境內金融機構發起銀行的門檻，可能會吸引一些大型金融機構向中小型、區域性的銀行領域發展，這也是其未來發展的契機。徵求意見稿中還上調了境外金融機構的准入條件。規定商業銀行資本充迷你倉出租率應達到其註冊地銀行業資本充足率平均水平且不低於10.5％，而此前為8％；非銀行金融機構要求不變，為資本總額不低於加權風險資產總額的10％。郭田勇認為，監管部門上調境外機構資本充足率要求水平可能出於防止境外風險向境內輸入的考慮。境外金融機構的金融產品、工具更為複雜，在境內設立銀行後境內外之間資金進出更頻繁，提高資本充足率也是為了防止風險擴散。對於境內非金融機構，准入條件則有鬆有緊，一方面取消了舊版規定中「在工商行政管理部門登記註冊」的要求，但發起人的入股資金來源必須是自有資金，且代他人持有中資商業銀行股權的企業不得做發起人。溫州中小企業發展促進會會長周德文表示，上述舉措進一步規範了民間資本進入銀行業的條件。由於很多民間資本集中在自然人手中，並沒有去工商部門登記，以前的規定就限制了這部分資金的進入，而新修訂的內容相當於進一步放寬了准入門檻。儲存倉