sgusers7的部落格

☉記者 弘文 ○編輯 于勇近日知名互聯網企業百度和國內某家大型基金公司華夏基金合作推出一款理財計劃。中國證監會官方微博回應稱，自存倉該理財計劃目標年化收益率8%，不符合相關法律法規要求。下一步將根據百度及相關機構報送的書面材料，對該業務合規性予以核查。不過，該理財計劃仍成為業內熱議的話題。這並不讓人意外。導致熱議的原因是兩個，第一，據稱該產品的目標收益率高達8%，且引入擔保公司擔保（隨後又有消息澄清說，該產品並不保證收益）；第二，據一些媒體報道，該產品可能支持快速贖回，即時提現，方便用戶資金的流入流出。從目前業界傳聞的產品形態看，該款產品幾乎是一款升級版的類“餘額寶”產品——支持即時取現、快速贖回，且收益更高。除了在應用習慣上，不具備淘寶買家熟悉的支付寶網頁以外，其他都不遜色甚至更高一籌。以設計角度，這毫無疑問是一款有競爭力的理財產品。但若上述描述完全準確，那麼這樣一款產品，很有可能在帶給行業衝擊的同時，帶來不少隱憂，值得一一細數。首先，該產品的收益如何實現？根據基金業內人士的解讀，如果要運作一個和“即時取現”功能相匹配的低風險高流動性產品，其目標收益率絕對不可能達到8%，即便是目前一些互聯網理財產品宣稱的“4.8%”，也是某些特殊時點申購者的階段性收益。最新的有鎖定期的銀行理財產品中，一個月以內理財產品平均回報期為4%左右，可以作為一個合理參考。因此，要實現這麼高的一個收益，只有兩個途徑，其一，放大產品風險杠杆（通過放大杠杆、引入風險資產等方式）；其二，由相關機構提供流動性支持。前者幫助提供一個可能的收益來源，後者幫助實現前者無法實現的流動性，而且還必須承擔可能的風險。而流動性提供本身也是需要成本的。說白了，一款8%收益的即時取現的理財產品，必然不可能完成收益和功能的“自給自足”，而需要外部利益的輸送。其二，這樣收益率和功能的產品是否合規？若該產品確實走了上述方案，它迷你倉然不能實現收益和功能的自給自足，那麼接下來的問題就是，這份利益應該由誰提供？以及這樣的產品是否合乎規範？深究這份利益提供者：如果該份收益由華夏基金提供，那麼它顯然違背了“公平對待”各類投資者的準則；如果該份收益由銷售平台提供，那麼它是否認識到這麼做可能導致的潛在經濟損失和行業影響，以及可能的法律界限？更較真些，這樣的一份需要外部援助的產品，能否標注為真正的理財產品呢？如果通過灌輸利益能成功推出一個品牌產品。那麼將來，網上肯定充斥著各類收益超過8%、10%乃至100%的限量產品。只要發行者有能力承擔一定規模內的利益援助規模。但這樣的產品只是一個廣告，一個宣傳，一個普通大�可望而不可即的目標，這樣的情況是否是一個合乎行業發展的秩序？其三，互聯網的銷售該如何做？再看下銷售方面，盡管幾天後上述理財計劃才會推出，但是相關產品的推廣網頁已經開始初步運作了，從外部觀察來說，相關網頁充滿著大量網絡銷售的語言和手段，但對於產品的金融屬性的體現恐怕會是一個軟肋。這是一個行業共通的問題。諸如“買多少送多少”的銷售方式，在互聯網營銷中是很常見的做法。但在金融理財產品中，則是一個禁區。以基金銷售為例，在產品銷售過程中是不能有過分渲染業績的表述的，更不能採用“有獎銷售”的策略，上述做法是為了保證理財產品銷售過程中，投資者可以更多的關注投資產品本身的風險、收益和特點。而不至於被誤導。但在新的互聯網金融產品中，風險提示等選項總是被有意無意的弱化了。而這樣的弱化不是沒有成本的。在次貸危機中，西方大型銀行曾經為其創新產品的風險提示不當付出過巨額罰金，這個先例值得現在互聯網同仁關注。從更高的層面上說，此次的業界的熱議，骨子裡反映了一個創新中的問題——互聯網金融產品，如何在發展中找到自己的行為邊界，在金融產品設計、銷售、運作的法律和行業的邊界。如果不能及時找到，未來互聯網金融面臨的挑戰要比大家想象的多得多。mini storage

�生銀行於日前舉辦�生企業責任講座，存倉邀得香港青年協會（ 「青協」）總幹事王�鳴博士作為主講嘉賓，以「Y世代．新態度：換個角度看青年」為題，與200多位�生員工分享，同場更由�生「Y世代」同事現身說法，分享他們對社會參與、生活及工作的期望，�生銀行副董事長兼行政總裁李慧敏與一眾管理層亦到場參與。作為推動青少年發展的先行者，王�鳴博士當年以28歲之齡，出任青協總幹事一職，帶領青協發展超過30載，機構一直以青年為最佳的夥伴和服務對象，既宏觀審視青年議題，亦廣泛參與社會服務與公共政策的制訂。王�鳴博士表示，在知識型經濟下，青儲存將會是社會的中流砥柱，是香港的重要資產。社會應以長遠投資的角度，為青年人創造價值，提供更多社會參與的機會，讓他們對社會作出貢獻，並予以信任和肯定。今日香港「Y世代」對前景抱有希望，有創意，具有創業精神，這些特色應更多被發掘和鼓勵。李慧敏表示： 「今年5月《時代雜誌》提及在時代巨輪下， 『Y世代』將會是這世紀最具影響力的一代。王�鳴博士的分享以及她與『Y世代』溝通的實戰經驗，帶給同事新思維、新角度。」李慧敏更表示不同年代的人，對事物有不同的觀點及角度， 「Y世代」的創新、敢於挑戰傳統，願意嘗試新事物等特質，是他們成功之處。迷你倉

　【本報記者許永傳宜昌報導】湖北台灣周重點項目吸資台灣高科技產業，迷你倉前晚七十幾位台灣高科技老闆，從武漢乘車至宜昌，受到宜昌市市長馬旭明高規格接見，昨天上午舉行「宜台經貿合作暨電子信息產業對接會」，開幕式市委書記黃楚平請求台商下決心投資宜昌的高新區，為明天的台宜關係更加深化並產生實質的動力，為大陸中部崛起做示範作用。　宜昌於本月21日被大陸財政部批復為新材產業發展試點，宜昌高新區成為國務院層級十四個的重點城市之一。24日晚間由台灣電電公會秘書長陳文義率團至宜昌，宜昌市長馬旭明於下榻飯店舉行歡迎式，馬市長隨即向來訪客人表達熱烈歡迎，介紹宜昌是全世界最大的水電都市，常住人口一百多萬人，城市未來五年將成為湖北介於武漢及重慶的超大城市。　昨天上午主要議程，宜台經貿合作會議在桃花嶺多功能會mini storage廳舉行，宜昌市市委書記黃楚平致辭，介紹宜昌為歷史名城，三國誌的章節中有30回的情節位置是在宜昌發生，包括火燒赤壁、大戰長阪坡、張非火戰當陽橋等…。是長江中游的咽喉城市。　黃楚平會前，先行會晤台灣代表團的諸位董事長代表，瞭解投資宜昌的經過，由宜昌市台協會會長陳建中陪同介紹，一位經理人已有提交於宜昌進行投資，已看好宜昌廠地。黃書記知情後拜託他，一定要趕快下決心投資，抓住難得的機運，共創台宜二地的交流及促進商機成果。　會中，安排宜昌高新區的主任楊美仁，對宜昌高新投資環境及「台灣電子信息產業園」情況進行介紹，並安排於下午考察宜昌新區建設和參訪企業。而台灣方面在會中，由峰鼎電子董事長游文光介紹台灣汽車電子產業現狀，有十七項產品，仍是世界第一，爭取更廉價的生產過程，才會到宜昌進行實地考察。儲存

Source: Dayton Daily News, OhioOct.迷你倉 26--The coming holiday mailing season could be the biggest on record with two of the nation's largest shippers -- United Parcel Service and Federal Express Corp. -- predicting a strong jump in online shopping that will boost the number of packages they will deliver.The season is expected to be so strong that UPS announced it will hire 55,000 seasonal employees nationwide to work as drivers, helpers, package sorters, loaders or unloaders. That includes jobs in the Dayton area, said Tracy Spahr, spokeswoman for the UPS Store. Applications can be filed at upsjobs.com.Ten area UPS Stores hire seasonal employees during peak season. The UPS Stores, all locally owned and operated, hire on a store-by-store basis, so job applicants should visit a UPS Store location to check on openings, Spahr said.UPS said Friday that it expects to pick-up more than 34 million packages globally on its peak day, Dec. 16.With 26 shopping days between Thanksgiving and Christmas -- six fewer than last year -- UPS called this season "the most compressed holiday season since 2002." The company said peak season daily volume should increase by 8 percent this year.UPS cited the National Retail Federation's most recent holiday shopping survey, in which the group said the average consumer plans to do 40 percent of his holiday shopping online. More online shopping means more packages will be shipped."We have seen year-over-year how e-commerce and the growing trend of mobile commerce continues to shape how consumers shop," Alan Gershenhorn, UPS chief sales and marketing officer, said.UPS said there will be five delivery days in the 2013 peak season where UPS will surpass peak day 2012.Meanwhile, FedEx Corp. said it expects its busiest day in company history wh儲存倉n it moves more than 22 million shipments around the world on Cyber Monday, Dec. 2. It said an 11 percent year-over-year increase will be driven by "online retailers" feeding the FedEx service networks.During its busiest week of the year, Dec. 1-7, FedEx said it expects more than 85 million shipments to move through its global networks, a 13 percent increase compared to last year's busiest week. Driving the holiday shipments will be personal consumer electronics, apparel and luxury goods, FedEx said.The U.S. Postal Service said it expects 13.1 billion cards, letters and packages will be delivered between Thanksgiving and Christmas Eve. On average, the Postal Service said, it processes 528 million pieces of mail every day and that volume increases to 545 million pieces of mail daily during the holidays.UPS, FedEx and the U.S. Postal Service all have distribution centers in southwest Ohio.-- Key peak season UPS dates include:-- Cyber Monday, Dec. 2 -- Pick-up volume will eclipse 32 million, an increase of 10 percent.-- Monday, Dec. 16 -- Peak pick-up day with more than 34 million packages.-- Tuesday, Dec. 17 -- Peak delivery day with more than 29 million packages.Sources: UPSDomestic U.S. Mail deadlines for delivery by ChristmasFirst Class Mail: Dec. 20.Priority Mail: Dec. 21.Priority Mail Express: Dec. 23.Standard Post: Dec. 14.U.S. Postal Service busiest mailing/delivery days.-- Busiest mailing day for cards, letters, packages: Monday, Dec. 16.-- Busiest delivery day for cards, letters: Wednesday, Dec. 18.-- Busiest delivery day packages: Thursday, Dec. 19.Source: U.S. Postal ServiceCopyright: ___ (c)2013 the Dayton Daily News (Dayton, Ohio) Visit the Dayton Daily News (Dayton, Ohio) at .daytondailynews.com Distributed by MCT Information Services迷你倉最平

迷你倉 【本報消息】金融管理局昨發出新聞稿指出，注意到媒體近日就澳門銀行個人人民幣業務的報道，現闡明相關管理辦法如下：一、自○四年以來，澳門銀行辦理個人人民幣業務，一直根據中國人民銀行與澳門人民幣業務清算行簽訂的清算協議進行；二、根據現行清算協議，個人現鈔兌換限額為每人每次不超過等值2萬元人民幣，經賬戶進行的兌換限額為每人每天不超過等值2萬元人民幣。澳門金融管理局和澳門金融業界一直致力促進澳門人民幣業務的發展，並繼續向中國人民銀行爭取放寬人民幣業務的限額與範圍。截至今年九月底，澳門銀行的人民幣存款為623億，跨境貿易人民幣結算業務的交易為1,089億。文件倉

受到微軟和亞馬遜理想業績的帶動，mini storage美股周五繼續造好，道指早段最多升38點，報15547點，標準普爾亦破頂在望，早段曾升至1755點，微升0.2%。不過，市場繼續預期美國聯儲局延遲收水，美元兌歐元曾跌至兩年低位，低見1.3833美元。消費者在假前季節，蜂擁到亞馬遜網站購物，刺激其股價在早段曾大升7.1%。另方面，微軟公布，上季純利為52.44億美self storage，比去年同期的44.66億美元增長17%；每股收益為62美分，比去年同期的53美分增長17%。營業額則為185.29億美元，比去年同期的160.08億美元增長16%。受到業績較預期理想的刺激，微軟股價在早段曾大升6.7%。不過，市場繼續憧憬聯儲局延遲退市，美元受到打擊，兌歐元曾跌至1.3833美元的兩年低位。美元兌日圓亦曾跌至97.04的水平。迷你倉

　　10月24日18時，儲存中央機關及其直屬機構2014年度考試錄用公務員報名結束。本次招考總人數出現了5年來的首次下降，但依然難阻考生網上報名的熱情。記者登錄報名系統看到，截至24日17時30分，27850名考生報考16家中央駐贛單位。　　在中央駐贛單位中，熱門職位主要集中在國家統計局、國稅局系統的崗位。今年，中央駐贛單位招錄數量有所減少，16家中央駐贛單位招聘432名國家公務員，比去年減少了72人，同比下降14.3%。然而，此次有72個崗位報考比例過百，這意味著，報考上述職mini storage的考生將面臨“百里挑一”的挑戰。而最熱門的涉贛職位為國家統計局金溪調查隊辦公室科員，競爭比例達2506︰1。國家統計局瑞昌調查隊辦公室科員競爭激烈程度暫列第二，為1188︰1。　　報考人員可在10月26日前登錄考錄專題網站查詢是否通過資格審查。通過資格審查的人員，可于10月28日登錄考錄專題網站查詢報名序號。此外還需要提醒的是，一些特殊崗位會有諸如資料寄達等特殊的審核過程，考生報考結束之後，還應密切關注自己所報職位有沒有相關公告的發佈，以免影響日後的考試和錄用。(記者 宋茜)self storage

Parents who have disabilities are determined to help their children lead lives like their peersAs far as Leo Chen Ian and Cassandra Chiu are concerned, there is a solution for every setback.儲存倉 And both have never shirked from being hands-on parents, despite their disabilities.Mr Leo, 39, may not be able to run after his two sons, aged seven and five, in a game of tag in the garden of their semi-detached home in the Portsdown Road area. But he can do riding on a motorised scooter to chase them.Mr Leo, who is married to paediatric occupational therapist Anita, 39, has cerebral palsy, which affects his movements and makes him walk with a "robotic gait"."It's not the things I can or cannot do. It's about doing them differently," says Mr Leo, who runs his own philanthropy and advocacy consultancy, and a past president of The Disabled People's Association. When the family goes out, dad hops on his three-year-old motorised scooter, flanked by his sons Ivan and Aan on their skate scooters and with mum walking along. They take the bus, train or cab. Asked what they think of their father's condition, both boys shrug and say: "Nothing."Mrs Leo says: "With Ian, you forget that his legs are weak. It has never been an issue with the boys because we don't make it an issue."Neither has the care of the boys been hampered by his condition. Mr Leo has been hands-on with the children since day one, changing their diapers and bathing them.Certainly, he and his wife had help: After Ivan was born, they moved into his parents' semi-detached home in Serangoon Gardens from their apartment in the vicinity. They lived there till Ivan was about three and Aan was 21 months old.But Mr Leo stresses: "It was not because of my condition. It was because we were first-time parents who needed lots of help and advice - as any first-time parent does."My reason to share this is so that people out there, if they have a disability, will know that life is about making choices and opportunities. They can get married, have children and take care of them."Like Mr Leo, Ms Chiu, 34, who is visually handicapped, has personally cared for her daughter Kady, who is now seven. She cooked for, fed and read to Kady from when she was a baby. The psychotherapist says: "It's easy for a sighted parent to read to his child, and that's a big part of nurturing a young mind."Not wanting to miss out on this experience, she got friends and family members to read to her childhood classics such as Little Red Riding Hood, painstakingly describing each image. She recorded each reading as an MP3 file. "I then read to Kady, describing the pictures, as I heard them," says Ms Chiu, who is married to a print broker. "Even able-bodied parents are challenged in their daily parenting role and must find creative ways to solve problems. The challenges I face may be different, but the desire as a mother to nurture is the same."eveyap@sph.com.sgEarly lesson on independenceThe only thing that teenager Shawn Tan feels he misses out on with two visually handicapped parents is "never having a chance to ride in my parents' car".Other than that, his parents - Braille transcriber Wee Liam Tan at the Singapore Association of the Visually Handicapped and receptionist mother, who declined to be interviewed - have "never held me back", says Shawn, 18.Says the elder Mr Tan, 55: "We have our disability, but that should not affect his ability."Shawn, an only child, is athletically inclined. The chemical engineering student at Singapore Polytechnic is on the school's waterpolo team.He was also an avid badminton player during his days in Kheng Cheng Primary School and was in the StJohn Ambulance Brigade in Maris Stella High School.But he was not always so self-assured about his family. When he was around nine years old, he remembers "encouraging" his parents to skip parent-teacher meetings."I wouldn't say to them I was ashamed of them then or feared that my classmates would tease me because I would have to lead my parents around the school."I'd say, 'No need to go. It's troublesome for you.'"Mr Tan, who attended the meetings anyway, knew what his son was thinking."We told him not to be ashamed of his parents. We told him that if his friends teased him, to say, 'My father and mother cannot see, so what? I am still in school, doing what you are doing. I am better off than you despite my parents' condition.'"At about 11 years old, Shawn wondered if he would have to quit school and work to support his parents. He also thought he could lose his sight because "in science, you learn that some conditions are hereditary".His father assured him that their case was not congenital.Before he got married, he took a test at the Singapore National Eye Centre and it showed that his was a non-genetic case.His eyesight was affected from being born eight weeks premature. He has less than 10 per cent vision now.His wife, who is now in her 50s, lost her vision from complications after an infection in both eyes when she was a toddler.Mr Tan says: "If our conditions were genetic, we wouldn't have kids. Why bring a child into this world to go through our suffering?"They taught Shawn independence from an early age.They lived with Mr Tan's mother in her three-room HDB flat in Toa Payoh until Shawn was eight, so grandma could look after him.The two women saw to chores such as cooking and childcare while Mr Tan was the handyman of the house, changing lightbulbs or fixing loose window levers.They now live two doors away from Mr Tan's mother.By eight, Shawn picked grocery items at the supermarket for his parents. At 10, he could hang out the laundry, vacuum the floor and help his mother fry an egg.He was "unhappy" about not being able to go out to play, but understood the need to pitch in with chores when he was about 13.All said, Mr Tan wonders if he has given his son "maximum enjoyment". For instance, they hardly watch movies together.But he assures himself: "I may not have given him his wants, but I've given him all his needs."His son says: "I'm very thankful to my parents that despite their disability, they did their best to provide for me."Single mum is a 'superwoman'Housewife Fatimah Bivee, who had poliomyelitis since she was eight months old, holds onto tables and chairs for 迷你倉最平upport when she moves about at home.But the 50-year-old does not stay cooped up in her three-room HDB flat in Aljunied Crescent because of this.Four times a week, she gets on her motorised wheelchair and takes a 30-minute bus ride to attend computer and English-language classes at the Handicaps Welfare Association in Whampoa.She has been raising her two children, now 13 and nine, independently since separating from her husband four years ago. They are finalising their divorce by December.Although she has six older siblings, she does not want to "trouble" them as they have their own families. Instead, she rents out one of the two bedrooms in her flat, earning $600 a month.She also receives aid from the Society for the Physically Disabled and other assistance schemes for food vouchers, free textbooks and pocket money.Her neighbours call her a "superwoman" for taking care of her children - pretty much on her own - from when they were young, she says with a ready smile.When they were babies, Madam Fatimah made sure to bathe them herself.She says: "I put my girl in a pram, wheel her to the toilet, put her in a basin, bathe and dry her, and put her back in the pram. I might not have been able to carry my children about, but I could still give them lots of hugs."When she had to cook, she placed her older child, daughter Yasmin Begum Shanavash, on a mattress as she blended carrot and rice in the kitchen.Yasmin, who is close to her, also wanted her mother to be a playmate. At three, her favourite activity was having two mattresses on the floor and pretending to "visit" her mother by crossing to her side of the room.Madam Fatimah is working with the Society for the Physically Disabled to find a job in a couple of years so she can put her two children through university."They can still succeed in life despite my disability."She hopes Yasmin, a Secondary 1 student at Manjusri Secondary School, will become a television reporter because she scores about 80 marks for English. She also likes the idea of seeing her daughter on television.She fancies her son Mohamed Habeebullah Khan Shanavash, a Primary 3 pupil at MacPherson Primary School, as a engineer as it is a stable job, she says.Habeeb, as he is called, often accompanies his mother to the supermarket near their home.He is not bothered when neighbourhood children tease him about wheeling mum to the supermarket. "I don't care what they think because she is my mother, and I love her even though she scolds me if I come home late from school."Yasmin began mopping the floor and washing the dishes at eight. When her brother was born, she minded him when mum nipped downstairs to buy groceries.A small sacrifice, says the pleasant girl, compared to her mother's grit.She remembers her mum then manually wheeling herself to accompany her to MacPherson Primary School, a 20-minute walk away.She then wheeled herself home and back to school again to pick her up after classes. This went on daily for a whole year till Yasmin was in Primary 2, when she was taught to take a public bus back on her own.Yasmin says: "She went on the wheelchair in front of me. I remember trying to catch up on my short legs, behind her."Learning to read the cuesAt 23 months old, Joelle Wong is too young to ask questions about why her parents cannot hear. But when she turns five, dad Jimmy Wong, 34, and mum Jane Lim, 35, intend to sit her down for a talk.The couple, who have hearing disabilities, communicated with SundayLife! through a signing interpreter at their private apartment in Serangoon Avenue.Ms Lim, an assistant engineer, says: "It's normal for a 'coda' - child of a deaf adult - to feel embarrassed about their deaf parents signing, normally from the time they go to kindergarten."And she may feel she does not want us to go to school to meet the teachers and so on."She learnt about this behaviour from other parents with hearing disabilities.Mr Wong, a corporate development officer at the Singapore Association for the Deaf, says: "But we will have to tell her to accept and not blame her deaf parents for being who they are."Ms Lim was born profoundly deaf - she can hear only very loud sounds with a hearing aid. Mr Wong, who became severely deaf from the age of two due to unknown causes, can hear loud conversations if he is facing the speaker. Both are the first in their families to have the condition.The couple had Joelle tested twice for her auditory functions - once at birth at Mount Alvernia Hospital and another time at the Singapore General Hospital nine months later. They do not think further tests are necessary.Ms Lim says: "Naturally, we worry that our child may become deaf. If she does, we have to accept it and do our best as parents to raise her well - the way our parents did for us."Mr Wong adds that medical tests to detect a child's hearing problems are better now than 10 years ago. Problems used to be detected later in life.When Mr Wong and Ms Lim are working, a nanny looks after Joelle.Ms Lim's parents and younger sister live with them, but the Wongs have been hands-on, if not more attentive, than hearing parents, from day one. Mr Wong says: "We sign daily with her. We use flashcards to teach her words for milk, sleep and so on."When she was a baby, the couple trained their eyes on her mouth to understand her cries. Rounded lips meant she was hungry while pursed lips signalled she wanted a clean nappy."When all else failed," adds Mr Wong with a smile, "we smelled to check."All this groundwork means Mr Wong and Ms Lim are more likely better able to communicate with Joelle than his parents did with them.Communication was a "problem" when he was young, says Mr Wong, because his parents signed little. Ms Lim's parents, who also have a limited command of signing, took her to a speech therapist when she was five and she learnt to lip-read, though not 100 per cent accurately.The discipline of Joelle is a "different challenge". Ms Lim says: "When a child throws tantrums, a hearing mother immediately speaks to stop her from doing so."For me, I have to sign to her fiercely to quieten her down. It's difficult because Joelle doesn't get to hear a voice with a fierce tone. She must see my body language, such as a fierce facial expression, to understand."迷你倉

□本報記者 杜雅文中國平安25日披露2013年三季報，儲存前三季度該公司歸屬於上市公司股東的淨利潤為233.39億元，同比增長45.1%；基本每股收益2.95元；公司總資產為32,487.69億元，較年初增長14.2%。前三季度，公司壽險業務平穩健康增長，產險業務品質保持良好，養老險年金業務行業領先。壽險業務前三季度實現規模保費1738.17億元，同比增長10.3%。其中，個人壽險業務實現規模保費1557.77億元，同比增長12.3%。平安產險前三季度業務穩健增長，實現保費收入835.42億元，同比增長13.1%，業務品質保持良好，綜合成本率維持在95.8%的水平。此外，銀行深化戰略轉型，業務規模穩mini storage增長。平安銀行深化戰略轉型，持續推動投行、零售、小微、信用卡、汽車融資、貿易融資等業務；同時，加強網絡金融綜合服務平台建設，推動傳統業務的電子化、網絡化。前三季度，平安銀行實現淨利潤116.96億元，同比增長13%，為集團貢獻利潤60.2億元，同比增長14.8%。截至2013年9月30日，中國平安保險資金投資組合規模已達1.18萬億元，較年初增長10.3%。前三季度，保險資金投資組合年化淨投資收益率達4.9%，年化總投資收益率達5.0%。平安信托私人財富管理業務穩步增長，截至2013年9月30日，信托高淨值客戶數已超過2萬，較年初增長14%；信托資產管理規模近2400億元，較2012年末增長12%。self storage

五年前雷曼兄弟倒閉，self storage引發金融海嘯，令全球投資者對金融市場信心大減，時至今日，即使美股已重返家鄉，但全球十大經濟體最新的調查顯示，家庭消費無甚起色，意味他們尚未恢復對經濟的信心。可見在金融海嘯結束五年後，不少家庭仍對負資產、銀行業大裁員等記憶猶新，難以擺脫驚弓之鳥的心態。美聯社分析全球十大經濟體家庭狀況的結果，發現雖然金融海嘯過去了五年，全球經濟重回復甦軌道，但家庭消費增長疲弱，從股市撤走上千億美元資金，且數十年來首見貸款減少，改為選擇銀行存款和購買債券等十分保守的投資方式，即使現時全球低息，令這類投資工具的回報率完全追不上通脹。減少消費礙窒復甦經濟分析師指出，如此規模慘烈的跌市，足以在短時間內重擊消費者信心，而且不是一朝一夕可以恢復。金融海嘯已令多數家庭避險意識大增，估計短期內難以轉變，其影響之廣也是二戰以來少見。　　對一般家庭來說，金融危機帶來的最大教訓，是學會減少債務和開支，但當數以億計的家庭都遵循這樣的原則，反而會令經濟喪失消費的巨大推動力，拖累全球經濟復甦步伐。以失業率高企的國家而言，勞動市場疲弱，當然會令家庭額外收入和消費減少，但現在即使收入穩定的家庭，似乎都不願意增加消費支出。　　美聯社這個分析調查的對象，包括美國、中國、日本、德國、法國、英國、意大利、巴西、俄羅斯和印度，追蹤這些國家的家庭樣本在2007年12月之前和之後的5年，至2012年尾之間的財政管理情況。股市基金流失逾八萬億　　調查發現，佔全球人口一半、佔全球65%產值的迷利倉0大經濟體，近5年的投資風險偏好下跌，減少投資股市，令期間這些國家的股市基金流失1.1萬億美元（8.6萬億港元），佔開始時總額約10%。當中，美、德兩地投資者分別從股市撤資9%和13%，意大利及法國更高達16%，中、俄和英國比例更高；同期，累計有1.3萬億美元流入債券基金。　　瑞信發表的數據，指2002年到2007年，全球10大經濟體的家庭債務大增34%，但2007年後的4年半內，個人債務下跌1%，是戰後前所未見的。同期，全球6大經濟體家庭儲蓄，增加3.3萬億美元，增幅達15%。　　金融海嘯和歐債危機接踵而至，令不少發達國家經濟大幅放緩甚至陷入衰退，近十多年來經濟增長勢頭強勁的新興市場，無力扭轉全球經濟衰退的局面，金磚四國人口雖佔全球80%，但在10大經濟體中的消費僅佔22%，帶動經濟的作用有限。英美個人債務大減　　經濟分析師認為，隨�全球經濟逐步向好，全球家庭料會穩步增加消費，但相信難以恢復到金融海嘯前的消費水平和方式，因為當時的消費增長主要靠龐大債務支撐，並非由薪酬良性上升來引導。　　值得慶幸的是，五年來大眾的消費和投資模式出現良性改變，例如美國平均個人債務由海嘯前高達54%，大幅下降至12%，現在美國信用卡債務已經回到2002年水平；英國也有同樣的改變，不包括按揭貸款在內的英國私人貸款，甚至低於1999年的水平。　　摩根大通前首席經濟師羅奇表示，08年金融危機的慘痛記憶慢慢淡化，但現在美國人不會重蹈金融危機之前債台高築，和超前消費的覆轍。迷你倉

廣西新聞獎名專欄8000多元沒拿到答複：人在湖南，mini storage暫時離不開陳先生：2011年至2012年11月，南寧水星裝飾有限公司把塗料工程分包給我，讓我到南寧市北湖路和大學路的兩家星波連鎖 酒店做工。工程已完工多時，至今我還有8000多元的工錢沒拿到。我向宋老闆追討，對方稱酒店老闆沒有結完工程款。南寧水星裝飾有限公司宋先生答複：我也被欠了30多萬元。我現在湖南做工程，暫時沒有時間回南寧與甲方結算。我已和陳先生解釋過，等我這邊忙完後就回去結賬。南寧星波連鎖酒店汪先生答複：在前期工作中，宋先生多報了工程量。完工結算時，我們發現他已基本領完工程款。我們多次主動和他聯繫，要求他回來解決一些收尾工作並驗收結賬。但至今已有一年多，他總是找理由不來。陳先生和我們沒有直接業務關係，他被欠薪只能找宋先生處理。反饋：陳先生說，他將向勞動部門求助。剩餘工錢拖到幾時答複：請先與房東協商譚先生：去年10月中旬，我帶了一批工人到平果縣四塘鎮邦旺村做公路改造，今年1月份完工。目前，我們大部分的工錢都已結算迷你倉還剩下3000余元一直拿不到。我多次追討無果，向有關部門求助也沒有解決。平果縣四塘鎮邦旺村公路改造項目部陳經理答複：包工頭幫譚先生等人在村里租房住，他們弄壞了房東的物品，對方要求賠償。請譚先生回來與包工頭、房東協商，協商好後，我就會支付工錢。反饋：譚先生說，他會去處理此事。完工半年仍未結算答複：有分歧，協商不下寧先生：去年4月，我帶工人到南寧市某小區做水電安裝，是東莞科力機電安裝有限公司安排我們去做的。今年4月完工，到現在已經半年了，我們還有100萬元左右的工程款沒拿到。不知為何，對方一直拖著不結算。東莞科力機電安裝有限公司負責人查先生答複：我們結算時出現了分歧。10月25日，我和寧先生等人一起與業主方協商處理此事。業主方稱，工程款是按照進度支付的，在工程收尾時增加了一些施工，但與水電安裝無關，寧先生卻把這些算進了工作量，應該做相應的扣減。但寧先生不同意，雙方協商不下。我只能建議他通過勞動仲裁或司法途徑解決。反饋：寧先生說，他將聯繫有關部門維權。（南國早報記者 全君蘭）文件倉

迷利倉 國家主席習近平的著作《幹在實處走在前列——推進浙江新發展的思考與實踐》，即將由中共中央黨校出版社，在全國發行。該書記錄當年習主政浙江期間所作的報告、講話、文章和批示摘編。互聯網迷你倉