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　　“古巴政府近日向外國投資者介紹古巴首個經濟特區——馬列爾發展特區，儲存希望借特區推動經濟發展。古巴官方在特區推介會上稱，已有中國車企表示要加入。習近平主席7日在人民大會堂會見了古巴外長羅德里格斯。會見中，羅德里格斯表示，古方願借鑒中國改革開放和發展特區的成功經驗。”　　-初創篇-　　如果成功，將大大助力古巴經濟發展　　古巴馬列爾發展特區管理辦公室于11月1日正式掛牌，開始負責接洽和管理外資在古巴的投資等事宜。南開大學拉丁美洲研究中心主任、中國拉丁美洲史研究會副會長王萍在接受北京青年報專訪時表示，對於極力施展改革“平衡術”的古巴來說，“如果特區能建設成功，那麼將大為助力古巴經濟發展”。　　大小與北京朝陽區面積相當　　中國駐古巴共和國使館經濟商務參贊處二秘端木文珊在接受北京青年報記者採訪時介紹，11月1日，馬列爾發展特區管理辦公室建立，這也就意味著古巴開始接受外資的投資申請。　　據古巴媒體報道，馬列爾發展特區距離首都哈瓦那以西50公里，是在古巴原港口城市馬列爾港內建立起來的。這個占地面積為465平方公里，與北京市朝陽區面積大小相當的特區的主要目標是吸引外資、引進先進的技術、擴大出口和創造就業，助力古巴“升級經濟模式”。　　受長期以來美國經濟封鎖的影響，對於古巴產品的印象，外界幾乎無從談起，即便有也停留在“古巴盛產蔗糖”的印象上。古巴人引以為傲的雪茄，大多也只能成為古巴人自己的消遣。為了改變現狀，讓更多的古巴國內外商品實現流通，古巴大舉興建馬列爾發展特區。古巴為特區進行了密集的宣傳，端木文珊說，11月3日，哈瓦那國際博覽會專門設立窗口對此進行宣傳。　　古巴媒體報道稱，目前，經濟發展特區已經開始建設的最大項目是在馬列爾港興建現代化的集裝箱碼頭，該項目總投資額達9億美元，其中6.4億美元來自巴西。　　保證特區在　　法律框架內運作　　這一次古巴政府著重強調發展特區將在法治的框架下運行，王萍介紹道，在此之前，古巴曾在馬列爾港嘗試建設免稅區，但終因法治建設不完全而不了了之，現在古巴已經意識到這一點。　　古巴外貿和外國投資部長羅德里戈·馬爾米耶卡·迪亞斯在推介會上表示，古巴將吸取他國經驗和教訓，保證特區在法律框架內運作。古巴將保護投資者利益，讓金融投資及收益進出渠道通暢，企業向海外轉移資金無需支付費用。　　此外，古巴政府表示，為了創建“良好的商業環境”，發展特區辦公室將採用“一站式服務”，投資項目申請的審核只需要10到30天即可完成。對投資經濟發展特區感興趣的所有外國企業都將獲得比在古巴其他地區更優惠的稅收、海關、貨幣和銀行貸款等條件。　　據悉，特區前10年免征企業所得稅、勞動力使用稅以及地方發展稅等。另外，全資外資公司在特區內經營，合約將延長至50年。特區將優先發展生物技術和醫藥、可再生能源、電信、食品加工、旅遊業和房地產等。　　明年1月正式運營困難大　　據端木文珊介紹，目前，特區的實際建設情況還處於初期，從目前集裝箱碼頭、倉儲以及基礎設施建設情況看，“最後建成的時間可能還得往後拖”。按照官方預計明年1月碼頭開始正式運營，但目前看來困難較大。　　招商過程分為兩期，“首先是特許經營，也就是針對基礎設施和公共服務項目的投資，這需要特許經營人出資來做。然後才會大規模開始運作其他類型的投資。”按照規劃，特區的建設分為工業園區、生活園區、商業區等區域，但截至目前，這些基礎設施還都沒有。此外，水、電、燃氣等設施也還沒有齊全，端木文珊介紹道。　　中國拉丁美洲史研究會副會長王萍認為，建設特區是一個龐雜的系統工程，如果按照設想去完成，那麼對於古巴經濟改革，改善目前單一的經濟發展模式意義重大。但是，畢竟古巴還在“更新”經濟發展模式的探索階段，未來可能還會遇到很多的困難和挑戰。　　感興趣的中國企業有很多　　對於有報道稱有中國車企表示要加入的說法，端木文珊稱這是古巴官方在11月5日的推介會上介紹的情況，參贊處方面還沒有聽到哪些企業明確表態要投資。不過，感興趣的中國企業很多，大家還在詢問和觀察的階段。　　古巴的改革歷來比較“審慎”，這也給人以政策較為反複的印象，因此，端木文珊說，投資人也需要做充分的瞭解，尤其是在配套設施的建設上，風險的規避等方面，都需要做好調查，畢竟這對於古巴來說是第一次。不過，端木文珊認為這是一個釋放出來的積極的信號。　　王萍認為，無論如何，這對於中國企業來說是一個不錯的機會。如今，古巴借鑒了免稅區的建設法治不完善的教訓，這次特別強調了這一點，也規定了一些比中國當初更為細緻的法規。經濟特區需要使用清潔技術，出口高附加值的產品，重點引進生物醫藥、電信、可再生能源、房地產等領域的外資。中國在這些領域發展相對較好，同時又與發達國家不同，古巴與中國之間相互學習和借鑒的地方比較多。　　-借鑒篇-　　改革開放，與中國的發展“似是而非”　　王萍在接受北京青年報專訪時說，近年來的改革舉措的確走在了與中國改革開放相似的路上。只是古巴面臨的外部環境十分不同，這也決定了它“不得不小心謹慎”。　　借鑒中國改革開放的經驗　　國家主席迷你倉近平11月7日在人民大會堂會見了古巴外長羅德里格斯。會見中，羅德里格斯表示，古巴人民決心繼承和發展兩國友好關係，希望同中方加強交往，擴大經貿、投資等領域合作。同時，古方願借鑒中國改革開放的成功經驗。　　這已經不是古巴第一次表達借鑒中國成功的經驗，但是，一直以來，古巴堅持改革不走中國的道路，而是探索一條“更新經濟模式”(簡稱更新)的途徑。　　王萍表示，古巴的改革學習了中國很多經驗。勞爾·卡斯特羅本人考察了中國好多次，尤其是對經濟特區的考察。古巴發展特區的建設得益于中國的經濟特區的經驗。此外，在勞動制度上，古巴的政策也跟中國有相似性，表現為特區中的按勞取酬，外企工作人員工資高等。　　然而，王萍說，古巴整個體系的建設與中國有所不同。首先，“中國走得比較快，到目前，除了金融領域和一些戰略部門沒有放開外，其他都放開了，這對於古巴不可能。”此外，古巴實行免費公共醫療和教育，這也是古巴和中國的不同。　　有與中國不同的內外部環境　　古巴極力施展“平衡術”的改革模式與其面臨的內外部環境有關。一直以來，古巴面臨著不利的國際環境，80年代後，由於蘇聯解體、東歐劇變，古巴遭受到政治、軍事、經濟的三重打擊。蘇東倒台使得古巴沒有了幾乎是唯一的依靠，與此同時，古巴被美國排斥與封鎖，除了不與古巴進行貿易外，還對其他向古巴投資的國家實施制裁性措施。　　中國社會科學院拉美所研究員袁東振撰文指出，“從國家安全需要出發，古巴的改革不可能接受或實施中國或越南那樣的全面和大規模改革開放的模式。它的近鄰美國是一個強大的世界頭號帝國，古巴領導人擔心，一旦實行中國或越南式的全面改革開放，隨著外資的湧入，美國及敵視古巴的各種政治勢力就會趁機而入，共產主義的意識形態就會受到極大衝擊。”所以，古巴的改革面臨的外部環境比中國改革開放環境差很多。　　王萍認為，古巴內部的問題也很多，首先是生產效率低下，經濟一直發展不上去。一直以來，古巴經濟維持以蔗糖生產為主的單一經濟發展模式，制糖業是重要經濟支柱，此外生產煙草和熱帶水果等初級產品。這也就決定了古巴是“靠天吃飯”。古巴所處的加勒比地區經常碰到颶風，隨時可能造成減產。此外，初級產品的價格波動受市場影響較大。這也就導致了古巴的經濟非常脆弱，依賴性強。經濟發展困難，執政者也在下工夫改變這種狀態，但目前看起來進展並不大。　　王萍分析稱，這些不利因素決定古巴在改革過程中必須要謹慎。這也是為什麼人們會看到古巴在改革中會有“反複性”和一些“糾偏”的行為。　　-推進篇-　　謹慎發展，“更新”伴隨“糾偏”的行動　　古巴的經濟改革一直面臨著“進一步退兩步”的評價，兩次三番的重磅經濟改革推出後，總是在不久後上演一場“糾偏”的行動，讓人們爭論古巴的改革到底是審慎前進還是進入反複性困局。這也使得人們對於這一次發展特區在多大程度上能夠成功實行產生疑慮。　　就在古巴發展特區如火如荼地開展之際，古巴宣佈取締私營電影院和電子遊戲室，人們開始討論古巴的改革是否再度遭遇“倒退”。　　1982年和1992年古巴曾推行過兩次改革，但懵然�動的改革因執政者擔心黨領導作用淡化、貧富差距加大、非法支付和貪腐增多等而稍縱即逝。如菲德爾·卡斯特羅從1986年開始實施一系列“糾偏運動”結束了1982年�動的改革；2003年下半年菲德爾又對1992年應對蘇聯解體等�動的長達近12年的改革陡然降溫。　　一直以來，古巴的改革集中在經濟改革上。政治改革涉足頗淺，王萍舉例稱，古共六大領導班子年輕化，國有的政府機關部門的減員以提高政府的辦事效率，這些算是政治上的改進，但“實際沒有按照計劃實現”。　　袁東振認為古巴人對改革有自己獨特的認識，與通常所理解的改革開放不同。古巴的所謂改革措施，是困難時期被迫的調整或開放，是暫時的“讓步”，應急或者臨時性的措施較多，目的是解決和應對困難。正因為如此，一旦困難過去，政策就會出現反複。所以也就有了古巴改革的幾起幾落。　　對於本月初古巴宣佈取締“任何包含電影放映(包括三維電影放映室)和電腦遊戲的私人經營活動”，王萍認為，這些做法不足以掩蓋古巴的經濟改革在向前走的事實。　　本版文/本報記者　岳菲菲　　古巴“更新”與“糾偏”時間表　　“更新”1982年，頒佈《古巴和外國合資法》，規定合資企業中的外資比例最多可占49%。　　“糾偏”1986年，提出加強黨的領導，批判資本主義傾向，關閉自由市場，限制個體經濟發展。　　“更新”1992年，實施對外開放政策。　　“更新”1995年，新《外國投資法》規定，除防務、衛生保健和教育外，所有經濟部門都向外資開放。　　“更新”1997年，古巴共產黨“五大”提出，繼續穩步進行經濟改革。　　“糾偏”2003年，卡斯特羅批評經濟改革產生了與革命原則不相容的現象。古巴政府扭轉了經濟改革和政策調整的走向，改革再次陷于停滯。　　“更新”2008年，繼任者勞爾上台後進行微改革，如允許民�購買和使用手機等。　　“更新”2011年，古巴共產黨“六大”宣佈“更新”古巴的經濟模式，批准300多項經濟改革措施，允許私人買賣房產。self storage

　　10月份內地外貿順差大幅擴大至311億美元，迷你倉增加了人民幣的升值壓力。人民幣兌美元中間價大幅上升，而現貨價則連續第5個交易日上升。　　海關總署昨日公布的10月份外貿數據顯示，10月內地的貿易順差達到311億美元，遠高於市場預期，而9月份的順差是152億美元。人幣現貨價 曾升穿6.09關　　人民銀行制定的官方人民幣兌美元中間價，昨日大幅上升95個點子，報1美元兌6.1335元人民幣。在人行引導下，加上外貿數據好過預期，外貿順差大幅擴大，刺激人民幣兌美元現貨價上漲，一度突破6.09關口，收市報6.0905，為人民幣連續第五日收盤上升。　　本周人民幣兌美元�率現貨價累計上漲0.儲存5%。有交易員認為，貿易數據強勁令人民幣升值預期更為樂觀，年底前甚至有望升破6.05。　　上海一中資銀行交易員稱，十八屆三中全會召開，�市維穩意味較濃，估計短期範圍料將在6.08至6.10之間盤整。歐元意外減息，一定程度加重人民幣升值壓力。　　澳新銀行報告指出，由於貿易順差大幅增長，人民幣升值壓力有增無減。澳新銀行：人幣升壓有增無減　　報告認為，穩定的人民幣升值趨勢以及較高的利率仍然在吸引大量的資金流入，這也造成了人民幣升值預期進一步上升。中國央行應該採取實際行動鼓勵民間資本流出，並鼓勵人民幣�率的雙向波動，否則在資本帳戶逐步開放的狀況下，中國將面臨更大的升值和資本流入的壓力。mini storage

【據新華社北京九日電】“雙十一”網購節將至，mini storage不少人早已迷失在各大網購網站“複雜高深”的宣傳中。中國科普網站果殼網今天特意發佈九大商業偽概念，提醒廣大消費者。果殼網在三周年慶典上正式發佈“九大商業偽概念”，其中一直為人熟知的“日常電磁輻射危害健康”、“功能水”、“足部反射區”、“幹細胞美容”、“膠原蛋白美容”赫然在目。果殼網主編徐來表示，這些“偽概念”均是已發佈在果殼網闢謠板塊“流言百科”中，經過具有專業背景編輯團隊審核過的條目，此次集中發佈是為了在“雙十一”前夕為消費者“擦亮眼睛”。在中國，十一月十一日被稱作“雙十一”，本是民間的“光棍儲存”，但近年來隨著電商紛紛選擇在這一天促銷，“光棍節”已然演變成“網購節”。徐來稱，出於一些商業動機，一些尚未經過科學檢驗確認的偽概念被散播出來，引起人們的錯誤認知，“眼看網購節就要到來，我希望給大家提個醒，不要被誇大的商業宣傳所欺騙。”“流言百科”欄目擁有大量的專業科技編輯團隊，並且發動各個領域的專業科技作者，闢除了一系列與公�生活息息相關的科技謠言。“‘流言百科’是一個開放性的平台，類似維基百科，網站用戶可把身邊遇到的流言發佈在網站上，徵集闢謠信息，再由網站具專業背景的編輯團隊‘果殼達人’審核，確保真實性。”“流言百科”產品經理劉暢說。迷你倉

【本報訊】綜合報道：中大研究發現，迷你倉透過引入前列腺健康指數，在經過驗血等程序之後，可以更準確地驗出前列腺癌，減少不必要的介入檢查。前列腺癌是本地男性第三種最常患的癌症，過去30年新症患者上升6至7倍，直到近年每年有千多宗新症，但患者早期大多數沒有病徵。現時本地主要的測試方法為「前列腺特異抗原」（PSA）檢測，但其初期準確率不高，病人需要再接受介入性的穿刺活檢，容易導致直腸出血等併發症。中大外科學系泌尿外科組教授吳志輝表示，去年外國有新方法，就是透過抽血去量度前列腺健康狀況，文件倉為「前列腺健康指數」（phi）。吳志輝指，在「前列腺特異抗原」檢測中，指數上升不一定代表發現前列腺癌，而是往往與多種疾病都有關，例如前列腺的增生都會影響數據，故此引入「前列腺健康指數」能補足現有方法之不足，從而避免不必要的穿刺活檢。中大早前用新方法為230位病人做測試，證實對前列腺癌診斷的敏感度達九成，令四成病人免除不必要的穿刺活檢。中大獲捐款成立的泌尿中心昨天正式開幕，中心代表指將會集中研究前列腺癌，尤其�重搜集本地華人的數據，長遠希望推動公立醫院都有前列腺健康指數測試。存倉

大馬廉價酒店協會主席梁沛根接受《中國報》訪問時強調，儲存廉價酒店業者是門正經的行業，更是一個適合長期投資的生意，所以一定要遵守由旅遊部及文化部所發出的指示經營。　他坦承，多年來，廉價酒店蒙受負面新聞，如涉及非法行業，讓大家對業者有所誤解，惟這批非法業者只佔行業的5%，是酒店業者的害群之馬。　他說，該國每年引來不少遊客，尤其來自東南亞國家，政府更估計在2016年有1億70萬人前來大馬遊玩，而且并非所有遊客都能支付一般酒店的費用，有者也喜歡價錢較低廉的酒店，所以廉價酒店的出現相當重要。　“雖然加入成為會員有迷你倉860人，有1642間廉價酒店，但是市面上未加入成為會員的酒店業者，非官方估計有6000間。”　梁沛根指出，身為唯一受旅遊及文化部承認的廉價酒店業者協會，公會其中一項責任是經常性提醒會員必須遵守相關指示，備有防火等安全設施。賦予新形象　他說，大多數廉價酒店建築物都是業者自行購買產業后，再改裝成廉價酒店，照理他們也不想搞砸自己的“飯碗”，更不會涉及任何非法行業。　“現有的廉價酒店已有所不同，更是講求重新包裝或塑造品牌，都費上不少心思注入新元素，務求給予大家一個新的形象，一洗大馬人對廉價酒店的錯誤觀念。”儲存倉

美國彭博通訊社（Bloomberg News）涉嫌自我審查，儲存公司高層近日兩次下令抽起兩篇揭露中共領導人親屬與商界關係的調查報道，被指是因為害怕遭北京懲罰，損害在華的利益。四名彭博員工披露說，總編輯溫克勒（Matthew Winkler）10月29日跟四名在香港的記者舉行電話會議，通知他們費了大半年時間調查和撰寫的報道，將不會刊出。溫克勒指這是為了確保該社記者可繼續在華採訪，否則會「被趕離中國」。他更把中國比作納粹德國，指二戰時各國記者為求留在德國採訪，都有類似做法。被封殺的報道，由傅才德（Michael Forsythe）、夏雷（Shai Oster）和另外兩名記者負責，揭露中共中央政治局多名前任與現任常委的親屬，與一名富豪企業家的金錢轇轕。據指上級對該報道一直知情，9月時更由紐約編輯部高級編輯海斯（Laurie Hays）等人負責最後階段編審，因此四名記者10月底知道要抽起迷你倉道時都很愕然。堅稱與政治無關消息指海斯「堅稱抽起報道是基於編輯上考慮，與政治無關」，又說這是她和另外四名編輯共同決定，更強調公司總裁多克托羅夫（Daniel L. Doctoroff）未看過有關報道。但事實是多克托羅夫準備不日訪華，而公司創辦人彭博（Michael Bloomberg）明年1月卸任紐約市長後，亦擬赴華「以公司名義發表一些演說」。抽起報道的時機相當敏感。幾日後，另一名駐香港記者Cathy Chan又有同樣遭遇。她正撰寫的報道探討多名太子黨獲外資銀行聘用、與外資銀行獲取中共合約的關係，但在跟紐約編輯部進行電話會議時被叫停。值得注意的是，彭博去年刊登一系列揭露中共多名領導人、包括國家主席習近平的家族財力雄厚的報道，隨即遭北京報復：去年至今所有記者的駐華申請都被駁回，而彭博最賺錢的金融資訊終端機租賃業務，亦受打壓，多家中國企業受命不准向彭博訂購有關服務。美國《紐約時報》self storage

Source: The Atlanta Journal-ConstitutionNov.迷你倉最平 09--The Obamacare debacle has rendered last month's much-maligned government shutdown a distant memory for many of us. But we may not miss it for long.If the factions in Congress hold firm -- a good bet -- we'll watch another episode of shutdown theater early next year. And with it will come the usual recriminations about how a shutdown threatens funding for things deemed apolitical: schools, national parks, roads and bridges.All spending, however, is political when political actors are in charge. That's why one answer is to shift as much of it as possible down from the federal level.The federal Department of Transportation doesn't actually build roads; state DOTs do. Yet a huge part of states' transportation budgets comes from fuel taxes paid and collected in states, passed through Washington, and then returned to the states, albeit attached to federal priorities that may or may not match the locals' druthers.Imagine if, instead of roughly $54 billion in federal transportation funding being in limbo due to disagreements between the House and Senate, Republicans and Democrats, Congress and the president, the vast majority of that money never left the states in the first place.Rather than making states scramble to pay for projects or factor federal uncertainty into their planning, infrastructure improvements would proceed despite acrimony in Washington.Congress could still take a portion of the gas tax for truly interstate projects, and allow states to keep the rest. The feds could even call this a kind of waiver, and require states to keep the tax at a certain level to qualify for it, if this devolution of power would make some people worry about the potential for crumbling infrastructure.Speaking of which:迷你倉In February, President Barack Obama proposed a $50 billion, national "fix it first" program to address, among other things, "the nearly 70,000 structurally deficient bridges across the country."But unsafe bridges and poorly maintained roads don't appear evenly from sea to shining sea. As the Reason Foundation's Robert Poole noted in February, many states have greatly improved their bridge conditions over the past 20 years."But 10 states actually allowed their bridge conditions to get worse over this time period, including Alaska, Hawaii, Massachusetts and Rhode Island," Poole wrote. "It's states like these that need to step up their game on bridge repair, not the nation's taxpayers overall."In case you're wondering, Georgia has the nation's 17th-lowest percentage of bridges that are deficient. Reason's most recent annual report on highways found less than 18 percent of our state's bridges are deficient -- about one-third the level of the worst state, Rhode Island (53 percent), and less than half that of Pennsylvania (39 percent), Hawaii (38 percent) and New York (37 percent).And lest you believe northern states have it worse than the South simply because of their climate, Reason's 10 highest overall highway performance ratings went to states whose winters are plenty brutal, including the Dakotas, Wyoming, Montana and Nebraska. (Georgia ranked 12th.)Keeping so much of our transportation spending in Washington's hands not only subjects it to federal feuds. It can also lead to out-of-whack priorities and favoritism for states that haven't taken care of their own business.Copyright: ___ (c)2013 The Atlanta Journal-Constitution (Atlanta, Ga.) Visit The Atlanta Journal-Constitution (Atlanta, Ga.) at .ajc.com Distributed by MCT Information Services儲存

Asian economies are a mixed bag, given their growing divergence, and North Asia looks most appealing, says Ms Fan Cheuk Wan, Credit Suisse Private Banking and Wealth Management's chief investment officer of Asia Pacific, in our monthly series with investment expertsSeveral key themes dominate the investment landscape in Asia.迷你倉One is the divergence in these economies; another is the question of which markets are most susceptible to the looming tapering of the United States' stimulus programme; and a third is just which regional countries are the big beneficiaries of a growth uptick in major global economies.Seeing the region through this prism makes it easy to zero in on the bright spots.The verdict is North Asia, according to Ms Fan Cheuk Wan, Credit Suisse Private Banking and Wealth Management's chief investment officer of Asia Pacific.Amid the mixed macro picture in the region and fundamental red flags in Indonesia and India, Ms Fan picks North Asia because of the stronger fiscal and current account conditions of countries in that region.These strengths make the region less vulnerable to concerns over the US Federal Reserve's tapering of its bond-buying programme.They also stand to benefit from the recovery in the US, euro zone and Japan.Q: How should investors position themselves in Asian equities on the back of expectations of a dialling back of the Fed's stimulus plan?The current market consensus date of March 2014 for Fed tapering reflects complacency.We believe the risk is that Fed tapering may come earlier than the consensus date and maintain our underweight position on the South-east Asian and Indian markets.The rally in the South-east Asian markets is likely to be short-lived as lingering policy uncertainties over tapering will keep market volatility high.We stay underweight on assets in India and Indonesia due to their weakened macroeconomic fundamentals.Q: Any sweet spots?North Asian equity markets will be the bright spots in the next six months, given their exposure to higher growth in developed economies.We are positive on Taiwan, Hong Kong and China and see opportunities in the technology and consumer discretionary sectors which will benefit from demand recovery in the US, euro zone and Japan.On the currency front, the renminbi (yuan) remains a sweet spot in Asia, supported by China's foreign exchange reserves, current account surplus, growth stabilisation and positive progress in structural reforms.We expect the renminbi to further strengthen towarmini storages six yuan against the US dollar in the next 12 months.Q: What is the outlook for Asia across the various asset classes?External vulnerabilities and structural issues have been key negative drivers affecting the performance of Asian equities, currencies and credits.We are neutral on Asian bonds and focus on quality credits and high-yield bonds with shorter maturity.We are tactically underweight on Asian equities but look for a market setback to rebuild equity position.We are cautious on Asian currencies, especially those in countries with high external vulnerability and current account deficits such as India and Indonesia.Q: There are mixed signals on the strength of China's economy. What's your take?We overweight China equities, given growth stabilisation, improving earnings and progress in structural reforms.Chinese banks stand to benefit from the upcoming fiscal reform which will address the local government debt problems.Progress in structural reforms will reduce financial system risk and improve the long-term growth outlook for China, which will in turn be positive for Asia, given increasing intra-regional trade and business activities with China.Q: Asian equities have underperformed developed markets this year. Has that made valuations in Asia more appealing?Asian equities have stayed largely flat since the beginning of this year, significantly underperforming the developed markets.Valuation of Asian equities, at 11.2 times 12-month forward price-earnings ratio, looks attractive compared to the historical range and global peers.That has attracted rotation flows back to the region since mid-September.Q: Europe appears to be making a mild recovery. But aren't there still inherent risks which could impact Asian markets?Industrial production in the euro zone has been stronger than expected recently, with particular strength in Portugal and Spain.Survey indicators remain consistent with ongoing economic expansion.There are also tentative signs of bottoming in consumer and investment spending and labour markets.As fears of a debt default or euro break-up continue to subside, financing conditions are easing in the vulnerable economies.However, with credit still weak, inflation falling and the euro strengthening, the European Central Bank may well resort to additional easing measures.Given that the euro zone contributes about 25 per cent of the world economy, its recovery is a major positive for global growth and supportive for Asia's export outlook.anitag@sph.com.sg儲存

Source: Albuquerque Journal, N.self storageM.Nov. 08--The words on the ballot are so tiny, so numerous and so very confusing, they said. The Pain Capable Unborn Child Protection Ordinance -- a loaded, lengthy title right there -- was written by its supporters with some detail on what they described as the science of fetal pain, the development of a fetus, the rules regarding late-term abortion, the "governmental interest" in it all.This is not a snappy "should we ban late-term abortions in the city of Albuquerque" kind of ballot measure, but a complicated dissertation sought by advocates of abortion limits.Which left early voters like Fred Tidwell and his wife and eight of the 10 people he counted at his polling place perplexed as to exactly what the ordinance was meant to do."I don't even know what we're voting on," he said.In Downtown, City Clerk Amy Bailey and her staff were handling what she termed an "unbelievable" number of calls concerning the meaning of the ordinance, the wording of which she said was approved by the City Council.'They want us to interpret the ballot for them and tell them how to vote, and we just can't do that," Bailey said.(Hint: A "FOR" vote is a vote to prohibit a physician from performing an abortion if the fetus is determined to be 20 weeks or older, unless the woman's life is at risk. But the ordinance does not make exceptions for cases of rape, incest, viability of the fetus or choice. Which means that, yes, you view abortion, particularly those performed further along in a pregnancy, as the killing of unborn children. An "AGAINST" vote is a vote against the ban. Which means that, yes, you agree that women are still capable of making this very personal decision, that the fetus has no independent legal standing or protection and that, yes, it is none of your, your church's or the city's business.)Despite the confusion, 19,654 votes had been cast by Thursday afternoon since early voting began Oct. 30 -- an extremely high number for a special city election, Bailey said.The special election, which includes a runoff vote for the District 7 city councilor seat, is set for Nov. 19. Early voting ends Nov. 15. Only Albuquerque residents can vote.Near an early voting site on Menaul NE, a white truck cruised along, towing a mobile billboard bearing the words "Vote for late-term abortion ban" alongside gruesome images of tiny, torn body parts, advertised as aborted late-term fetuses. Some onlookers stared sorrowfully; others averted their eyes."If the photographic evidence of the injustice of abortion doesn't motivate the pro-life vote, nothing will," said Mark Harrington, executive director of Created Equal, the Ohio-based operation behind the billboards and one of several out-of-state antiabortion groups active in Albuquerque, the current ground zero for reproductive rights.On social media, friends bickered over whether abortion is murder or a woman's choice, whether the ordinance was simply humane or a sneaky way around Roe v. Wade, whether religious beliefs should sway city law.Reader Carol Siemens had plenty of questions for me: How many clinics in Albuquerque provide late-term abortions at 20 weeks or more? (One.) How many late-term abortions are performed? (About 20 to 35 a year for pregnancies at 28 weeks or more, according to previous Jour迷你倉al reports, although proponents of the ban say the annual numbers are in the hundreds.) Do women come from out of state to have late-term abortions? (Yes.) Does Planned Parenthood do them? (No.) Do "unborn babies" feel pain? (The science is ongoing.)Wendy had answers. She had no confusion.The 47-year-old Albuquerque elementary school teacher and married mother of two knows a lot about late-term abortions -- the pros and cons, the debate, the religion, the science."I've been talking to people about this proposed law, and every time I tell my story, people say, 'Oh, wow, I didn't realize what this was about,' " she said. "They think women who have late-term abortions are careless, that they left this decision to the last minute."It's not that, she said. Not every time. Not in her case.Other stories can be told in support of the ban, but her story is this: In 1998, she and her husband, already the parents of a 3-year-old girl, were expecting another child. It was a planned pregnancy, a welcomed pregnancy and, up until the 26th week, a healthy pregnancy. Or so she thought.She began spotting. She underwent an ultrasound and other tests and learned that her baby had trisomy 13, a chromosomal abnormality causing profound birth defects and killing more than 80 percent of its little victims before their first birthdays.Wendy's baby had no kidneys. The brain, lungs and other organs would never function. The baby had a cleft palate and six fingers on each hand."We were told the baby could not possibly live," she said.She and her husband went home, sought grief counseling, researched, talked, thought. They still hoped the baby would be born alive and that they could hold her before she died.At 30 weeks, however, Wendy contracted toxemia -- more commonly known today as pre-eclampsia -- a dangerous condition characterized by high blood pressure, swelling and convulsions.Doctors induced labor, and the procedure to end the pregnancy began. Sometime during the process, the baby died."I didn't want to know when," she said.Most people she tells her story to don't realize that many of the women who undergo late-term abortions found themselves in a similar agonizing situation, she said.And while proponents of the ordinance say someone in Wendy's predicament would almost certainly be exempted from the ban, Wendy and others who stand against the ordinance say they are not convinced that the ban would not serve to make a horrendous situation unbearable and potentially deadly."I can't even imagine feeling sick and grieving and having to go through something in which now your doctors' hands are tied or they hesitate because they don't know what they can do legally," she said. "You can't write an ordinance like this to cover every exception, because every situation is different."Which makes those tiny, numerous words on the ballot even more confusing, even more crucial to understand.UpFront is a daily front-page news and opinion column. Comment directly to Joline at 823-3603, jkrueger@abqjournal.com or follow her on Twitter @jolinegkg. Go to .abqjournal.com/letters/new to submit a letter to the editor.Copyright: ___ (c)2013 the Albuquerque Journal (Albuquerque, N.M.) Visit the Albuquerque Journal (Albuquerque, N.M.) at .abqjournal.com Distributed by MCT Information Servicesmini storage

記者王峰通訊員高平江蘇鎮江的張志剛經營著一家名為“江蘇藍烽新材料科技有限公司”的高新技術企業，mini storage這家企業生產的正是時下人們愈發看重的環保產品，據張志剛介紹，自己的企業是一家從事開發與生產機動車尾氣淨化產品及其相關稀土新材料的環保科技型企業。隨著社會各界對環保問題的關注度越來越高，張志剛的生意也是越做越好。不過，他也有煩心事———企業融資難。“找錢”“找錢”對於張志剛來說，曾經是一道難以邁過的坎。“作為一家高新技術企業，我們最值錢的就是技術，但在過去卻不能被銀行視為有效抵押物”，張志剛告訴記者。眼下，張志剛卻不用再為“找錢”煩惱，因為技術已為他“換來”貸款。據記者瞭解，正是在江蘇銀行鎮江分行的幫助下，張志剛的企業獲得了300萬元的專利權質押貸款。鎮江市銀監分局局長周盛武告訴記者，“找錢難”其實就是“融資難”。在鎮江，我們調研發現，與其他地方一樣，小微企業融資難是一個普遍現象；但是與其他地方不一樣的是，各家銀行機構都在通過不同方式努力幫助小微企業解決融資難 問題。以江蘇銀行為例。該分行小企業信貸服務中心總經理梁紅告訴記者，為解決小微企業融資難，江蘇銀行鎮江分行不斷創新小微企業金融產品。除試點開辦專利權質押貸款業務外，該行還與保險公司合作，首創科技型企業信用履約保證保險貸款業務產品；與科技部門合作開辦“蘇科貸”業務；與市政府共同出資設立鎮江市科技風險池基金貸款。據記者瞭解，除江蘇銀行外，丹陽農商行也創新推出了應收帳款加信用保險的質押貸款業務,目前已投放貸款2700萬元。部分商業銀行還通過“借外力”解決小微企業融資難題。談及小微企業融資難 ，建行鎮江分行副行長鐘一平頗有感觸，小微企業融資難往往難在無有效抵押物上。正是認識到問題的症結所在，該行借助“外力”———利用政府對本地企業信息掌握全面和增信作用為小企業搭建批量化融資平台，引入助保金池、推行助保貸產 品，為有發展潛力但輕資產、缺少擔保的小企業提供發展助力。目前，該分行與當地政府成功簽訂了《“助保貸”業務合作協議》，預計可投放小企業貸款達10億元。“找來的錢貴嗎?”如今已經順利獲得貸款的張志剛，被問的最多的問題除了“如何找來錢”，就是“找來的錢貴嗎?”。對於後者，張志剛往往會很痛快地回答“不貴”。當地銀監分局提供的信息顯示，銀行機構小微企業貸款利率上浮率比年初平均下降10%，貸款利率基本上在9%以下，如丹陽農商行僅此項措施，就少收小微企業貸款利息約8000萬元。“不貴”也得到鎮江市銀監分局副局長賀平泉的證實。他告訴記者，很多小微企業，特別是需要還貸資金周轉的小微企業可以享受到銀行貸款“不貴”的待遇。對此，他解釋說，在解決融資貴方面，為切實降低企業融資成本，鎮江市政府推出了“小微企業還貸周轉貸款”。記者瞭解到，“小微企業還貸周轉貸款”將由市政府主導籌集資金兩億元，用于解決小微企業還貸時發生的臨時性資金周轉困難。相關部門負責人儲存露，目前操作辦法正由市政府審批，即將出台。預計運行後，一年可為80 0多家小微企業解決周轉資金40多億元，可為小微企業減少4000多萬元的融資成本。一些銀行機構還在解決“貸款慢”上下工夫。丹陽農商行副行長仲向陽就介紹了他們的做法。為了實現小微企業信貸業務集中化的快速審批，丹陽農商行今年特別搭建起了“總行小微企業業務管理中心—小微企業專營支行—小微企業專門服務崗”的三級小微企業專營服務架構，形成了單列信貸規模、單獨貸款審批、單獨利率定價、單獨客戶營銷的獨立的小微企業專業服務體制，大大提高了小微企業貸款審批效率，原來5天才能審批完成的貸款，現在縮短到了3天以內，有不少經營狀況良好、守信用的存量客戶，當天申請，當天即可用款。另外，丹陽農商行還在轄內設立首家專做貸款500萬元以下客戶的小微企業專營支行，通過“低門檻、短流程、高效率”的專業化服務，實現存量客戶的續貸一天放款、新增優質客戶當天授信當天放款。在鎮江，幫助小微企業的力量還有很多。鎮江市經濟和信息化委員會中小企業綜合協調處處長鄔庭薇介紹說，為了切實有效幫助小微企業緩解融資困難，作為全市小微企業的主管部門，市經信委面向小微企業開展“三專”特色服務———開設中小企業服務專櫃，為全市中小企業提供除行政審批外的一切服務；開通中小企業服務專線，24小時不間斷地為各類中小微企業提供人工服務和業務受理；開辦中小企業公共服務專網，受理中小微企業各類在線查詢、項目申報等。小微企業背後的監管推力截至9月末，在鎮江，小微企業貸款餘額達到843.11億元，比年初增加102.81 億元，增量占各項貸款增量的40.42%；增幅13.89%，高于各項貸款增長1.94個百分點；銀行業小微企業貸款占各項貸款的比重35.39%，高于全省5.23個百分點……這是一組會令小微企業主高興的數字。而數字的背後則是當地金融監管部門的努力。周盛武告訴記者，融不到資的是融資難，融到資的是融資貴和融資慢，這是普遍反映的社會熱點問題。如何建立和完善小微企業金融服務長效推動機制，切實有效地緩解小微企業面臨的“融資難、融資貴、融資慢”，成為鎮江銀監分局推出小微企業融資“陽光服務”工程的源動力。據記者瞭解，所謂“陽光服務”就是按照小微企業金融服務長效化、常態化要求而構建的綜合性服務工作機制，推動銀行以主動開放的姿態，公開信貸政策、收費政策、融資產品和業務流程；公示業務辦理時間、客戶經理的行為規範服務承諾書，落實銀行及客戶經理與街道、社區、小微企業結對幫扶責任，讓更多有市場、有銷售而缺資金的小微企業能夠得到實實在在的信貸支持。周盛武介紹說，在鎮江，各銀行機構依托“陽光服務”平台，深入工業園、創業基地、社區、鄉鎮，開展多層次、多場次的服務“送政策、送產品、送服務”的結對幫扶活動，有5833戶小微企業與銀行機構或客戶經理結成幫扶對子，其中近50 %的小微企業獲得了42.82億元貸款。迷你倉