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　　部分商戶為了增加消費者的購買信心，儲存倉會表示該服務是「終身承諾」，或提供「永久保養」售後服務，在新修訂的《商品說明條例》下，如果商戶的承諾在日後無法實現，可能已屬違例。　　假如有電器商保證產品「永久保養」，或有培訓學校承諾學員可終身免費重讀，溫故知新；在新例實施後，對此類「終身承諾」有何限制？　　律師梁永鏗表示，除了著名的跨國大企業，不一定所有商戶均能作出「永久承諾」，若商戶日後停產或無法再提供有關服務或產品，將有機會構成誤導性遺漏罪行。倘突然倒閉 恐要負刑責　　他指，商戶宜清晰寫明保證年期及附帶條件，例如於某情況下，公司將不提供有關售後服務，或說明終身免費重讀，需受制於有關導師安排及課程細節等。他補充，迷你倉最平公司其後突然倒閉，公司董事或要負刑責。　　根據海關執法指引，售後服務包括維修政策及條件，這些均屬重要資料，商戶應在消費者付款前，以清楚及適時方式告知，讓他們作有根據的交易決定。港買電腦　上海商戶拒維修？　　如果有香港電腦商於廣告中宣稱，所出售的產品可提供全球維修服務，並列出香港以外的維修代理。但一名內地顧客到上海指定的維修代理，要求修理於香港購買電腦，才發現該公司從未獲有關香港電腦商委任為維修代理。根據海關執法指引，該香港電腦商或已就維修服務作出虛假陳述，要負上法律責任。　　指引又提及，商戶於出售貨品時，若表明會提供售後服務，例如維修或保用，便須確保能提供聲稱的服務，否則將構成虛假商品說明。　　記者：林可欣迷你倉

（泰國 曼谷27日訊）曼谷反政府示威毫無解決跡象，儲存分析家相信，示威對泰國經濟不會有深長影響，但肯定令旅客和外國投資者卻步，帶來短期衝擊，影響今年的經濟整體表現。若亂局持續至明年，則無可避免會打擊外國投資者以及消費者信心。泰華農民研究中心主管根沖表示，現在評估經濟影響是言之過早，政局每日瞬息萬變，難以預測將會如何發展及收場，但政局不穩可能會令投資者失去信心，加快撤走資金。有分析員更擔心，示威行動會令政府斥資2兆泰銖（約2千萬令吉）的大型基建計劃泡湯，將拖累泰國明年的經濟增長。泰國旅遊局表示，曼谷示威若持續甚或擴大，勢必促使更多國家發出旅警告，恐令12月遊客人次較往年同期減少8至10%，可能因而損失多達250億泰銖（約25億令吉）。受政局不穩影響，泰銖匯價跌至兩個月低位。目前已有23個國家對泰國發佈特別旅遊警告，呼吁前往當地旅遊的國民保持警戒。56個國家的大使以及6個國際組織代表，週二在泰國外交部聆聽有關曼谷當前局勢的匯報，當局解釋了在曼谷實施內安法令的理由。示威者發言人阿卡納表示，大示威不會對曼谷旅遊業帶來影響，因為他們是不帶武器的和平示威。他說，示威者不會重演上次佔領素旺那普機場的舉動，以逼迫迷你倉府下台。指領袖無章法反覆投機示威組織未獲輿論支持泰國這次示威組織者顯得信心滿滿，卻未得輿論支持。當地兩大英文報章都對這次運動充滿質疑，矛頭指向示威領袖素貼的無章法和反覆投機。《民族報》評論稱，素貼聲言就算英叻辭職或解散眾議院，他也不收貨，誓言不根除“塔辛政權”不罷休，令很多人狐疑究竟怎麼樣他才會滿意。《曼谷郵報》亦指素貼此前組織示威反對特赦法案，參議院否決法案後卻反將示威升級，前天起初強調要和平示威，一見有機會卻又佔據財政部和外交部，既違法也超出“和平示威”界線。國立法政大學政治學者巴乍，指泰國的根本問題是社會不平等和不公義，無論政爭怎樣收場，政界由家世和恩惠人脈主宰的結構性問題都不會變。他指無論是塔辛和素貼，都是這種體制的既得利益者，所以要求真改變，就要超越推翻“塔辛政權”和正邪對立的想法。今次示威缺乏明確訴求，加上各派對示威手段意見不同，同樣亦在民主黨內部引發分歧。在民主黨黨魁阿比希的陣營，不願透露姓名的民主黨高層表示，他們不贊成攻佔政府部門的做法，認為將帶來負面衝擊，更嚴重可能會導致該黨解散。但素貼陣營發言人表示，他們“凍結”政府是為了防止塔辛捲土重來。【相關新聞請點大事件：泰國局勢緊張】;儲存倉

前財政司長、黑石大中華區主席梁錦松入南豐做行政總裁，迷你倉主力睇太子女陳慧慧一向看重的投資部。金融界猜測，男朋友司徒啟瑞坐歪，莫非兩人感情生變。據知，梁錦松入局，其實要取代的是南豐執行董事唐國通。 這名Raymond Tong，早年在信和做�十幾年律師，睇過物業管理、酒店、法律、秘書、內部審計等等，都幾吃重，年薪仲高過佢老闆黃志祥；佢一○年過檔南豐，都已經近七十歲。屆退休之年先轉工，估計都係幫太子女，過渡同家姐陳慧芳爭產之患難時期。唐國通不但幫手扶植陳慧慧兒子張世成上位；爭產期間，有名自稱係南豐「老臣子」的李孝仁，向傳媒抨擊司徒啟瑞不得陳廷驊心，又話有人分化兩姊妹，都係唐國通出信幫陳慧慧一一反駁。雖然爭產案尚在審議中，但陳慧慧已經搵到阿松幫手，佢都可以功成身退。至於陳慧慧同男朋友，兩人已計劃好未來日子，先去遊埠，sweet sweet。梁錦松�投行浸淫多年，在金融界人脈甚廣，睇住南豐八百億資產唔難。佢仲係三子女之父，做埋奶媽幫陳慧慧睇仔，都應該難佢唔倒囉。 壹計就明盈利不能全面反映實質業績 本欄找來有二十多年經驗的資深會計師林智遠及鄔碩晉，每期踢爆一間上市公司的會計陷阱，股民入市前睇清睇楚，一計就明。�豐（5）因應海外要求，在香港也公布第3季中期管理報告，季度和首9個月稅後盈利，比去年同期上升23%至24%，保持中期盈利增長趨勢。�豐在季度報告中，不斷凸顯盈利上升，業績真的實質增長？為何股價還停滯不前？�豐的季度報告不是香港法定要求，沒有中文版，財務摘要也只有收益表和資產負債表，其他報表一律欠奉。只有收益表是否足夠？看看�豐8月公布的首6個月中期業績，「收益表」中稅後盈利是113億美元，比去年同期上升25%，但「全面收益表」中全面收益卻只是38億美元，只及稅後盈利三分一，比去年同期更大幅減少62%。盈利與全面收益有天淵之別，是因為盈利並未計算可供出售投資公允值虧損18億美元，和匯兌差額45億美元，管理層可在該相關項目出售或終止後，才把虧損計入收益表中。�豐中期全面收益表，也已按今年生效的新會計準則要求，清楚顯示上述虧損是「符合特定條件後，將重新分類至損益賬的項目」。投資者分析業績時，除注意盈利外，也應留意全面收益。管理層每每有不同誘因，去延遲或提前在「收益表」中，計算其他全面收益。�豐首9個月的全面收益是多少？季度報告為何不額外提供「全面收益表」？一切可能要留待全年業績去解答。但只看盈利，不看全面收益，相信未儲存倉「全面」了解�豐的實質業績！（林智遠） 讀者有�講 居住元朗蝶翠峰�侯先生特意致電小宗話：「政府唔發牌俾王維基，搞到我��老人家�唔�，梁振英平時�住張�仔落區聽意見，請問佢以後仲會唔會落區，呢個政府咁不仁不義，要等到元旦遊行真係頂唔順，我��見到屋苑有人貼出『我要睇電視』海報，你幫我話俾港視工會主席楊志豪知，可以印類似海報當免費報紙派，家家戶戶貼出�抗議。」 本週監察 企�呢度，望左定望右好？如果閣下去到調景嶺翠善街就要小心�，雞�咁大隻字叫你望左，但係箭嘴就叫你望右，好矛盾�！邊隻係左手、邊隻係右手，幼稚園都有教，但偉大�特區政府竟然唔識！「一男子」政府，擺明老點。 金牙大狀講�阿松過檔有玄機 八九六四後，市況低迷，南豐地產股票交投疏落，股價大幅落後於資產值，公司由是除牌私有化。四分一個世紀後，南豐禮聘前財政司梁錦松出任行政總裁；一說此舉乃係借助阿松之人面功力將盤千億元生意重新上市。果如此，則世界變矣。公司上市，即係大股東出售部分股權，亦即是賣�。二十五年前，股價唔反映公司之真正價值，大股東執平貨，買番晒街外股票。二十五年後，股東賣番�股票出街，再次上市，變相將部分資產套現，佢�對物業前景是何看法，仲使問阿桂乎？阿松過檔南豐之消息同埃克森石油悉數出售青山電廠股權�新聞同一日見報，無論係華資或美資對梁振英治下特區�前景是何看法，睇怕都唔使畫公仔畫出腸矣。近排超人李頻頻出貨，又豈是個別事件哉？ 中環人語迷你版 “愛國愛港，在《基本法》裡沒有這四個字。”估中邊個中環人講呢句說話，送你JWATCH J-37水晶版藍寶石鏡面限量版手錶一隻有意參加者，請於十一月二十七日（星期三）下午一時後，將答案、姓名及聯絡電話電郵至centralman@nextmedia.com小宗只接受電郵，郵寄免問。本刊員工及直系親屬不得參加。為求公平及杜絕偷步搶答起見，請於每個星期三下午一時後來電郵競猜答案；在此之前發出之電郵作廢。超過一位讀者估中，先到先得，恕不接受上訴。答案及中獎者姓名將於下期本欄揭曉。 上週人語揭曉答案 “我係唔准佢唔出聲。”陳志雲得獎者：Winnie Kwan中獎時間：1:00pm 20/11/13 廣告時間 你有某財團�黑幕想爆？你知邊間上市公司造假？你仲想舉報地產霸權�不公？歡迎你將財金界��屈或過癮八卦事，爆俾《壹仔》財經組知，一切報料，均會保密！爆料熱線/whatsapp：6829 5929迷你倉最平

資金融機構聘請中國高官子女，文件倉以圖�中國�「大deal」分一杯�，惹來美國執法機構調查，事件仲逐步擴大，噚日外電引述消息人士話，美國監管當局調查範圍，已經由摩根大通�亞洲分行，擴大到其他幾家大型金融機構，而最新深入調查�對象據聞係摩根士丹利，可能同佢�內地一名前地產投資員工涉嫌賄賂高層官員有關。要求提供招聘資料　　之前�調查，聽講係美國證監（SEC）要求佢��跨國大銀行，特別係亞洲區內分行，提供同招聘內地高幹子女有關�資料。近日有外電引述知情者話，調查範圍已經擴大，SEC將大摩�資料遞�畀美國司法部，但就冇透露究竟係�乜�資料細節。　　另有知情者爆料，話大摩的確收到SEC要求提供中國招聘資料�傳票，但大摩尚未收到司法部�聯絡，即係話司法部�刑事調查，有機會仲存倉早期階段。不過，目前就唔清楚司法部會唔會對大摩或其他銀行採取行動。　　大摩房地產基金前中國區負責人彼得森（Garth Peterson），�年承認合謀逃避美國反貪污法。據講，彼得森用�隱瞞手法，為自己同一名內地官員謀取幾百萬美金�好處，聽聞�位官員個女透過彼得森引薦，獲得大摩上海子公司�職位。大摩好早就預見中國經濟增長潛力，早年參與創辦中金，而中金就做�好多中國大deal�生意，大摩賺到盆滿缽滿，幾年前已經將中金股權出售。　　有熟悉SEC調查�人話，呢輪調查結構類似美國當局幾年前，對油氣公司有無向非洲等地官員行賄，以躲避進口監管�調查。結果2010年11月被查�皇家殼牌、Transocean 、Tidewater等6家公司，同意畀2.36億美元了結有關調查。儲存

泰國反政府示威持續，迷你倉反對派領袖、前首相素貼號召支持者佔據全國政府大樓，癱瘓政府運作，迫使首相英祿下台。另外，周二有人向曼谷首相府戒備的防暴警察投擲土製炸彈，警員及時走避，無人受傷。 本報記者 反政府示威浪潮持續四天，並無減退跡象，素貼昨率領數以千計支持者，由曼谷民主紀念碑廣場，遊行到首相辦公室所在的政府總部，重重包圍大樓，他更號召支持者佔據全國政府大樓，癱瘓政府運作，迫使英祿下台。 多個政府部門已被示威者佔據，其中財政部大樓成為民儲存紀念碑廣場外，第二個反政府陣地有大批示威者通宵留守。財政部表示，所有人員已撤出大樓，由於當局無法正常運作，公務員發薪亦可能受影響。影響公務員發薪 當地傳媒報道，一名身份不明男子，周二傍晚近七時向首相府戒備的防暴警察投擲土製炸彈，幸警員及時走避，無人受傷，當局正追緝該名男子歸案。 另外，超過二十個國家已向泰國發出旅遊警示，本港旅行社縱橫遊宣佈，鑑於泰國陷入政治僵局，取消由昨日至下月二十日所有到泰國的旅行團，預計有八個旅行團受影響。mini storage

“利S ir”利國偉在香江是一個傳奇。C FP供圖[檔案]利國偉（1918年-2013年），mini storage祖籍廣東開平赤水鎮，香港銀行家、政治家、教育家，爵士，大紫荊勳賢。1918年生于澳門，後隨家移居香港1940年進入香港國華銀行做見習生1946年加入�生銀號1967年任�生銀行總經理1969年推出�生指數1972年促成�生上市1988年出任港交所主席1970年率先提議中文成為香港法定語文，曾兩度擔任港府非官守議員 1983年10月協助建立港幣聯繫匯率制度，同年開始斡旋香港回歸事務1996年加入香港特別行政區第一屆政府推選委員會1997年獲頒大紫荊勳章2013年在香港病逝，享年95歲 人生是一段做到老、學到老的過程，從社會經驗得來的知識，與書本理論同樣重要。———利國偉[致敬詞]屢挽狂瀾于既倒，揮灑風雲寫傳奇，銀行“教父”星耀香江。念茲蒼生在危難，廣灑仁善濟天下，華人典範恩被社群。碩德流芳，風範長存。被港人親切稱作“利Sir”的利國偉，2013年8月10日以95歲高齡仙逝，傳奇一生畫上了句號。這位從見習生做起的香港銀行業“教父”，自1960年代起就是香港政經歷史的關鍵人物，1980年代後在中國大陸也聲譽日隆，其中大慈善家身份尤其為人熟知，僅在江門五邑，他捐資就達2.2億多港元。從“紅褲仔”到“銀行業教父”港英時期香港四大家族之一的利希慎家族，與利國偉家族是近親，然而利國偉早年發跡史仍具鮮明的草根色彩，用他自己的話說就是一個“紅褲仔”（憑個人努力從底層苦熬逐漸出頭者）。利國偉19歲時輟學進入香港國華銀行做見習生，月薪不過6元，日子過得自然辛苦。但他後來回憶說，自己的成功正是這樣“捱出來的”，當時甚至練到憑手指觸覺便可發現偽鈔。抗戰勝利後，27歲的利國偉被邀至�生銀號（1960年更名為�生銀行）工作，擔任會計並主理海外黃金買賣，月薪200元，年分紅8000元。這一機遇，來自他在國華時結交的�生創辦人何添。何添只是�生小股東，但利國偉進入�生後，很快也受到董事長何善衡賞識，後來何善衡每次到歐美考察，必帶其隨行翻譯。在�生幹了5年後，利國偉升至助理經理，之後逐步升職，到46歲時擔任了副總經理。如果只是勤勉，利國偉一生也許不會被稱作傳奇，他的傳奇不僅在於體現著自強不息、辛苦打拼的香港精神，更在於見證和終結了一個個動蕩事件，正如香港最高法院前首席大法官楊鐵樑所言，回顧利國偉一生經歷，“猶如翻看一部近代香港發展簡史”。1965年，香港爆發銀行擠兌風暴，�生決定售股籌資，利國偉負責全權處理。在與匯豐談判中，利國偉將�生總值從匯豐評估的6700萬港元成功提至1億元，一日內達成購股協議，擠兌風潮遂平息，而匯豐控股後也保留了原華人管理層。1967年接任總經理，1969年推出�生指數，迷你倉1972年，他所帶領的�生成為戰後香港第一家上市銀行，開盤當日市值高達16.5億元，相當于港府1971年財政收入的1/3.2000年香港媒體曾報道，匯豐當年5100萬元投資購股，所得收益是50億元。1983年秋，中英談判前途未卜，引發信心危機，港幣匯率急跌，時任行政局議員的利國偉協助財爺彭勵治，制定港幣與美元掛�的聯匯制度，確保了香港的國際金融中心地位。1984年，利國偉還以行政、立法兩局議員身份，作為港人代表北上拜會鄧小平，斡旋香港回歸事務。1987年香港股災後，利國偉再次臨危受命，1988年至1991年擔任港交所主席，改革港交所架構和交收日制度，被視作“救火隊長”。“每次香港出現動蕩的時候，聯繫匯率制度都發揮了無可替代的功用，成為香港的貨幣和金融體系穩定的基石。”香港金管局總裁陳德霖今年在紀念聯匯制度30周年的文章中說，香港正是依靠此制度才度過了大大小小的難關，包括1997年亞洲金融風暴、2008年全球金融危機及最近的歐債危機。大慈善家最重教育與醫療1960年代擔任議員後，利國偉與中國大陸有了較多聯繫，其堂兄利銘澤（利希慎長子，利氏家族掌門）早年參與抗戰，與大陸關係密切，利國偉曾多次隨利銘澤回到大陸。內地改革開放後，利國偉也積極推動�生銀行進駐。上世紀80年代初，利國偉開始在家鄉開平捐資興辦公益事業，其後逐步擴大到江門五邑和全國各地，僅在江門五邑，利國偉捐資就達2.2億多港元。1986年，江門籌建五邑大學，利國偉是首批支持者，他和夫人易海倫以“偉倫基金會”名義先後捐資6000多萬港元，在五邑大學興建了偉倫建築館、偉倫圖書館、偉倫中心、十友樓等，是至今捐資五邑大學最多的一位。利國偉伉儷還在1997年捐資600萬元建設五邑中醫院門診大樓，1998年捐資3700萬港元建設江門市中心醫院綜合住院大樓，即使在晚年病重時，他仍關心家鄉建設，捐資興建了五邑華僑廣場。1993年，利國偉伉儷被授予首批“江門市榮譽市民”。除在江門五邑，利國偉還在廣州、上海、北京等內地城市捐資近2億港元。此外，他還與�生元老何善衡、梁銶琚、何添合計出資4億港元，在香港註冊成立“何梁何利基金”，設立數學、物理、化學、天文學、氣象學、地質學、生理學、醫學、技術科學等獎項，被譽為中國的“諾貝爾基金”。罕見公開題詞的朱鎔基1997年曾為“何梁何利基金”破例，讚賞其“高誼可風，功在當代，澤被永遠。”利國偉逝後極盡哀榮，�生銀行、港交所、希慎興業降半旗，梁振英、曾俊華等政界高層發聲明致哀，董建華、何厚鏵、李嘉誠、陳方安生、範徐麗泰出席追悼會，朱鎔基致送花圈。曾俊華認為，利國偉“不但對香港銀行業和金融業的發展影響深遠，貢獻良多，在推動教育等社會公益事業方面，也不遺餘力，恩澤社群。”採寫：南都記者楊秀偉文件倉

【專家之言】昂坪360纜車設有精密感應器，存倉監察纜車操作安全，只要監察系統的感應器發出訊號，纜車便要立即停頓，由工程人員仔細檢查，今次事件證實該訊號來自動力系統，幸初步檢查後未發現必要部件出現問題。理工大學機械工程學系盧覺強工程師指出，動力系統是指拉�鋼纜的巨型滾輪及承軸機械，內�設計有很多組件，只要有些微問題，感應器便會發出儲存號，提醒須要檢查，證實安全才可以讓纜車繼續操作。他又稱，雖然昂坪360曾於9月暫停服務三周，進行年度保養和檢查，畢竟大檢完至今已過了兩個多月，機械出現輕微問題並不罕見。昂坪360發言人指出，纜車監察系統每小時處理三萬多個感應訊號，只要有一個訊號示意須作檢查，工作人員便要即時暫停纜車服務，確保纜車達到最高的安全標準。《蘋果》記者迷你倉

mini storage epaper.ynet.com/html/2013-11/28/content_27077.htm?div=-1...比特幣已成為當下最值錢、也是漲價最快的“貨幣”。昨天，以美元計價的比特幣再度創歷史高位，在交易平台Mt.Gox上一度達到983.99美元。...迷你倉

Moves made to help rural residents, reports Zhao Xu in Beijing.儲存倉 Early in November, Chen Ping arrived in Beijing on what was likely to be her last trip to the capital. The 52-year-old stayed just two days — long enough for her to say a heartfelt farewell to the doctors and nurses in the oncology department of the Chinese PLA General Hospital who have been treating her breast cancer for eight years. Chen, who comes from a small village in Jilin province, wanted to express her gratitude to the medical staff for helping to extend her life. She told the staff she was grateful to have lived long enough to see her sons grow up. However, as her illness is now in the terminal stages she has decided to stop receiving treatment. One man Chen particularly wanted to see was out of town, so she was unable to say a last goodbye to Liu Duanqi, former director of the hospital’s oncology department, who supervised her treatment. Liu, looking tired after a working trip to Gansu province, said of Chen: “She’s a peasant woman with a rural hukou (household registration). That means the only public medical insurance available to her is the New Rural Cooperative Medical Scheme.” The hukou system effectively ties a person to their place of birth and registration. It usually means that they are ineligible to claim social benefits or medical insurance if they receive treatment outside the place where they are registered. “Under the medical insurance plan, patients can only go to hospitals at the district level, which usually means village or county level. Theoretically, a patient can be transferred to larger hospitals in the cities or provincial capitals if the condition is deemed too challenging for the local doctors, but that requires going through a procedure that can be daunting. As a result, it’s extremely rare for a patient to be transferred outside of their home province,” said Liu. The reality facing Chen was that if she wanted to be treated at a hospital outside her hukou, for instance in Beijing, she would have to foot the bill herself, something the increasingly frail mother of two couldn’t afford to do. “Knowing that every penny that went into Chen’s cure would be deducted from the funds in her bank account, which barely existed, the doctors tried to keep the disease under control and gave her an operation at minimum cost,” recalled Liu. “When she left the hospital, I gave her a prescription that cost her half of 1 yuan (8 US cents) a day. She’s been using the same prescription since then.” Cross-provincial plan While some observers blame Chen’s predicament on China’s medical insurance program, it should be pointed out that the policy works in reverse for urban dwellers, whose medical insurance doesn’t cover expenses incurred out of town. However, the double whammy of financial hardship and low-quality local healthcare services means residents with a rural hukou are usually hit hardest by the policy, migrant workers especially. “If they get ill in the city — and they probably will because of the grueling workload — they have two choices; they may visit a doctor in the city and pay with their own hard-earned money, or they may choose to take the train and head home where they are covered by insurance, but that doesn’t take into account the cost of the ticket and the near-certainty of losing their job,” said Liu. Now, it seems the central government is taking step to rectify the situation. Preparatory work has started on the construction of a State-level information platform to support a cross-provincial “instant reimbursement” plan for all rural residents, according to Yang Qing, director of the Rural Health Department at the Ministry of Health. Successful implementation of the platform would mean that rural residents would be eligible for treatment at hospitals outside the areas covered by their hukou and, crucially, wouldn’t have to pay the full cost themselves.Instead, they would be required to pay the difference between the total treatment cost and the amount contributed by their local medical insurance program. Currently, patients either have to pay the entire cost of treatment, or, in the unlikely case of a transfer, claim reimbursement after returning to their hometown and submitting the requisite details and forms to the local health authority. “For most farmers, the fact that they have to pay first — although, they rarely have the money to do so — and then claim the money back is in itself an effective barrier, not to mention the large number of cases that become bogged down in the procedural swampland,” said Liu. “For one thing, just collecting all the requisite materials and getting them rubber-stamped could prove maddening. In many cases, it would be a ‘mission impossible.’” The proposed instant reimbursement plan was specifically designed to address the issue. China’s 260 million migrant workers — most of whom left their rural homes in search of better opportunities and higher pay in cities such as Beijing and Shanghai — were uppermost in the decision-makers’ minds when they were formulating the policy. Although the plan may sound like good news for migrant workers, they’ll still have to wait for it to be implemented, and probably for a very long time, according to Zhang Yi, director of the Beijing New Rural Cooperative Medical Scheme Management Center. “As far as I know, the whole cross-provincial thing is still very much an idea,” he said, referring to media reports that the plan will soon cover Beijing and eight provinces, including Jiangsu, Anhui, Henan and Hunan. “Taking the regional differences into account, the New Rural Cooperative Medical Scheme is designed to operate at the district or county level. Each district has the right to make its own rules regarding the details, including the percentage of costs and the list of medicines covered by insurance. For example, Beijing has 16 districts and 13 of them have a combined rural population of three million. As迷你倉最平a result, in Beijing alone more than 10 different schemes are being implemented at the same time,” he said. “China has nearly 3,000 counties. The realization of instant reimbursement nationwide would necessitate inputting all the relevant patient information into the computers at hospitals’ cost-settlement centers simply so the staff could calculate and write off the amount covered by the specific insurance scheme the patient subscribes to in their hometown.” For many observers, the technical challenge is the least daunting aspect, dwarfed as it is by a much bigger problem — competing local interests. Local governments can recoup part of the cost of medical insurance through tax if an eligible patient is treated at a hospital within their province. However, the same government would be ‘giving’ money permanently to another province if the patient opted for treatment at a hospital outside the province. Given China’s demographic flow, if the reimbursement plan is put into practice, cash-strapped rural provinces stand to lose money to their counterparts in the economically developed eastern and southeastern regions. ‘Hometown hukou’ In the face of this administrative nightmare, Wang Ningli, deputy director of the Beijing Tongren Hospital, the country’s most prestigious eye hospital, offered what he believed to be a radical and fundamental solution. “In the case of migrant workers, I strongly recommend that their adopted hometown gives them the same insurance cover as regular urban citizens, on condition that they have worked there for a relatively long and continuous period of time,” he said. “Failure to do this amounts to a form of discrimination.” “As for the problems long inflicted on Chinese peasants by the less-than-equitable healthcare policy, the cross-provincial reimbursement plan would only provide an analgesic, not a cure,” Wang continued. “In the short term, it might serve to ease growing social tensions by turning down the volume of complaints, but in the long term, it risks creating more problems than the government could ever imagine or solve.” In other words, the plan may represent treacherous waters for policy makers, while providing little more than nominal benefit to those it is intended to help — the impoverished and neglected. One fatal drawback, according to Wang, is the potential devastation of the already threadbare healthcare delivery system in the vast rural areas, coupled with the growing burden on overused hospitals in the cities. “If realized, the plan would channel vast numbers of people from far away to places like ours,” he said, pointing to a corridor filled with parcels and backpacks left by patients who had arrived at the hospital straight from the railway station. “The immediate effect would be a compromised service, where each patient is allocated five minutes and no more.” That’s unlikely to be the only disadvantage, because other factors would come into play, according to Liu. “Do you really think that those farmers, whose identity is obvious from their wind-whipped, deep-furrowed faces, would get the same treatment as wealthier, well-turned-out patients who think nothing of handing doctors a handsome amount of ‘thank you’ money?” he asked. “They would almost certainly face a longer wait for surgery or tests and in the meantime they would just exhaust the funds they’ve saved for a possible cure.” Reflecting on his recent journey to Gansu, one of China’s least-developed provinces, Liu said the reimbursement plan won’t lessen wealth-based healthcare inequality, but exacerbate it. “Believe me, the people who’ll make the most of the new policy are those with the financial means and who happen to live outside the major cities,” he said. “In the mountain village I have just visited, the local people almost never leave, no matter if they are ill or not. Why? Because they can’t afford the travel tickets.” Lessons from overseas “For them — and by extension the entire rural population — the only way to offer any real help is to greatly improve the quality of local healthcare services, large parts of which are in a shocking condition at the moment,” he said. “In this respect, we could learn from some of the most-developed countries,” said Liu. Wang, who gained a doctorate in ophthalmology in the United States, echoed that view. “In the US, residents of rural villages seldom travel to big cities for medical treatment because they can always reach a decent doctor within an hour’s drive,” he said. “In China, the rural clinics and hospitals have an extremely long way to go before they can be as effective and earn public trust.” The government has a decisive role to play, according to Liu. “The grassroots hospitals are bad for reasons we all know about: There are very few good doctors in them and for decades, we’ve carried out a policy that elevates city doctors while leaving their rural counterparts out in the cold. Rural doctors are badly paid, have few good teachers and zero opportunity to go abroad to pursue their academic interests. In a word, they have nothing.” Compounding the issue is the system by which all doctors in China are assessed against the same set of benchmarks, which heavily favor physicians in first-class city hospitals. “One important index the evaluators look for is the number of research papers a doctor has published in leading international journals. But, in reality, a great country doctor is one who’s capable of handling localized illnesses quickly and effectively and knows how to prevent a disease that might turn into an epidemic.” Contact the writer at zhaoxu@chinadaily.com.cn I’ve met many local officials and have heard them argue that rural residents should receive a lower level of medical coverage because they’ve paid less tax compared with city dwellers. Well, I just have one question to ask them; why are rural residents so poor? ”Liu Duanqiformer director of the oncology department at the chinese pla general hospital 迷你倉

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儲存 是次音樂節雲集區內頂尖學生表演團體進行藝術交流，多個學生團體的表演項目十分多元化，其中包括沿巡遊路線演出的步操樂隊；以悠揚悅耳的歌聲感動賓客心靈的合唱團表演；以及中樂團表演等。這些年輕音樂家將演繹多首膾炙人口的歌曲，以其技藝精湛的演奏為賓客帶來一場高水準的演出。日期：12月2、3、13日時間： （2日）10:55am-3:10pm、（3日）10:05am-3:10pm、（3日合唱團表演）10:30am-12:00pm、（13日中樂團表演）10:40am-10:55am地點： 香港迪士尼樂園動畫藝術廊前香 港迪士尼樂園皇室宴會廳前票價：免費查詢：3550-3369迷你倉

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