sgusers3的部落格

Source: The Wisconsin State JournalAug.自存倉 14--This is a tale of two airplanes, one lost to tragedy, one still a mystery after nearly six decades. It will be 60 years in November.Both planes were operated by Truax Air Force Base airmen. The jets took off less than six hours apart on the same day, Nov. 23, 1953. One crashed, and the other, well, all these years later, nobody knows, not for certain.Maybe the pending anniversary will lead to someone finding some answers, though I wouldn't bet on it.The less ambiguous incident happened first. An F-89 Scorpion jet took off from Madison's Truax Field around 12:30 p.m. on Nov. 23, 1953. A pilot, First Lt. John Schmidt, and a radar operator, Capt. Glen Collins, were on board the flight, which would test the jet's newly installed engines.The test initially went well. The airmen sent back instrument readings to the tower, and were headed back to Truax when what is believed to have been a sudden mechanical failure caused the jet to crash into a marsh in the Arboretum. A fiery explosion resulted and both airmen died.The second episode, which happened less than six hours later, is less well known in Madison lore because while the airmen lived in Madison, and were stationed at Truax, they were temporarily assigned to the Kinross Air Force Base in Michigan's Upper Peninsula.A little after 6 p.m. on Nov. 23, 1953, radar at Kinross showed a large unidentified object in restricted air space over the Soo Locks near the U.S.-Canadian border.An F-89 Scorpion jet was dispatched from Kinross to track the radar blip over Lake Superior. Aboard were the pilot, First Lt. Felix "Gene" Moncla, and radar observer Second Lt. Robert Wilson.Exactly what happened after that has been the subject of much speculation and dispute. It has been reported that as they tracked the UFO, Moncla's last words from the cockpit were, "I'm going in for a closer look."Early reports stated that Kinross radar showed the two blips on screen -- the F-89 and the UFO -- mysteriously merging into one. A Capital Times story on Nov. 25 reflected this: "The Truax jet was followed on the radar screen at Kinross until its image merged with that of the plane it was checking -- and then it was lost."It appears that a short time later officials tried to debunk the report of the merged blips, saying instead that the F-89 simply disappeared from the screen. The first blip was said to be an off-course Canadian airliner (a statement immediately denied by Canadian authorities). In any case, the Kinross jet, and the two Truax airmen, were gone, presumed lost in Lake Superior. Except by some UFO enthusiasts, who speculated the jet had somehow been swallowed up by an alien craft.That's pretty much what I wrote when I first heard about the Kinross jet,迷你倉新蒲崗in the summer of 2006. It wasn't an anniversary, I was simply intrigued by this story of two Madison airmen, the rogue radar blip and the enduring mystery.A few days after I wrote that column, I heard from a Canadian named Gord Heath, a UFO researcher well-versed in the Kinross incident. He had seen my column and said there was "a huge development" in the case.That development turned out to be a recently launched website of a group calling itself the Great Lakes Dive Co. Text on the website explained that the group, formed out of "a yearning to explain some of the enduring mysteries of the Great Lakes," had discovered in 500 feet of water on the bottom of Lake Superior what they believed was the missing Kinross F-89. They also provided a few sonar photos.Heath was very excited. He had been in contact with the Great Lakes Dive Co., and was awaiting further developments.What developed was the probability it was a hoax. The dive company's website went dark, never to return. At the time I spoke with Dirk Vander Ploeg, publisher of UFO Digest, who somewhat wistfully said he hoped the find was legitimate."What's your gut feeling?" I asked. "Is it real?""I doubt it," he said.These years later, it seems nearly certain there was no miraculous find. There was, however, one further development.In my phone conversations and correspondence with Gord Heath, the Canadian, it became clear his interest in the Kinross case went beyond scientific curiosity or a desire to find extraterrestrial life. Indeed, Heath, who I found to be intelligent and articulate, believed that he somehow possessed memories that could only have belonged to Gene Moncla, the pilot of the Kinross F-89. Heath told me he had memories of Madison even before he first visited, to see where Moncla lived and worked.A Canadian filmmaker, David Cherniack, became interested enough in Heath and the Kinross episode to make a documentary titled "The Moncla Memories" that aired in 2007 on Canadian television. Cherniack shot footage of Heath in Madison for the film.Cherniack told me he liked how Heath himself realized his Moncla memories were strange, by any measure. "He has never been a true believer in his own recollections." A DNA test revealed Heath not to be related, genetically, to Gene Moncla.Six decades after the F-89 disappeared over Lake Superior, I recall two lines from Cherniack's film. "There are some mysteries out there we can't answer. They just have to stay a mystery."Contact Doug Moe at 608-252-6446 or dmoe@madison.com. His column appears Monday, Wednesday, Friday and Sunday.Copyright: ___ (c)2013 The Wisconsin State Journal (Madison, Wis.) Visit The Wisconsin State Journal (Madison, Wis.) at .wisconsinstatejournal.com Distributed by MCT Information Services迷你倉出租

新華社信息北京８月１４日電（記者王宇、王培偉）持續火熱的影子銀行等非信貸融資，存倉近期出現了逐漸“退燒”的跡象。 根據央行最新統計結果，７月份全社會融資規模降至８０８８億元，比６月份降低２２８７億元，創出２０個月來最低水平。其中，新增人民幣貸款近７０００億元，占比達到８７％，而影子銀行等非信貸融資僅有１０００多億元，較以往大幅減少。 近兩年來，包括影子銀行在內的非信貸融資出現快速增長，數據顯示，去年非信貸融資占社會融資總量之比達５２％，今年一季度更是達到５４％的歷史高點，這意味著非信貸融資已超過銀行貸款，成為企業最主要的融資渠道。不過這一比例在今年上半年降至５０％，在今年７月份更是降至１３％，非信貸融資等影子銀行“退燒”現象十分明顯。 分析人士認為，監管層對理財產品、影子銀行、地方融資平台的治理，金融機構對自身逐漸強化的風險管控，以及企業對非信貸融資需求量的減少，共同導致了當前非信貸融資的縮量現象。 “今年以來監管層對影子銀行和地方融資平台等領域的治理，造成了當前非信貸融資的放緩。”中金公司首席經濟學家彭文生認為。 非信貸融資中，未貼現銀行承諾匯票是影子銀行的重要組成部分。一度出現的票據空轉，引發了社會上關於實體經濟“失血”的討論。在監管層的強化管理下，７月未貼現銀行承兌匯票繼６月份收縮２６３６億元後再度收縮１７８３億元，而信託和委託貸款增量分別比上月下降６３億元和８８億元。 而在銀監會相關規定的作用下，作為非信貸融資的重要資金來源，理財產品近幾個月發行數量也明顯減少。 居民住戶存款的階段性變化一定程度上反映出理財資金的縮量現象。過去兩年理財產品的大量發行自存倉導致個人存款出現季初大量減少和季末大量增加的季節性特徵。７月份我國住戶存款雖然繼續減少，但減少金額不到４０００億元，較去年和前年同期的５５７７億元和６１０２億元的減少量明顯縮窄。 此外，金融機構風險管控也約束了非信貸融資的發展。興業證券的分析報告認為，７月新增未貼現票據、企業債淨融資、信託貸款、委託貸款四項加總組成的非信貸類融資餘額增速由６月末的４２．２％放緩至３９．８％，６月底的錢荒已經悄然改變商業銀行的行為模式，風險控制、降低配置資產周期將取代上半年加杠杆注重盈利的經營策略。 “一方面，由於監管層的嚴格規制，使得非信貸融資所能提供的資金明顯減少；另一方面，企業對高利率融資項目的接受程度也在降低，社會上依靠影子銀行進行融資的資金需求明顯減少。”在中央財經大學中國銀行業研究中心主任郭田勇看來，供給和需求兩方面因素共同決定了當前影子銀行等非信貸融資縮量現象。 ７月份非信貸融資退燒是否會成為周期性拐點尚有待觀察，但分析人士認為，在監管部門的管控下，近年來表外融資大規模增長的勢頭將被終止。 “前期迅猛發展的影子銀行等非信貸融資，將出現階段性回潮趨勢。”郭田勇判斷。 而影子銀行的“退燒”是否會引發相關投資領域的資金“斷流”，已成為當前市場非常關心的問題。 “在前４個月社會融資規模中，接近七成資金流入到了地方融資平台和房地產投資項目中，如果表外融資不斷縮量，一些項目的資金流必然受到影響。”交通銀行金融研究中心分析師鄂永健認為。 “非信貸融資的階段性回潮，或將帶來影子銀行剛性兌付等風險問題，我國銀行體系不會爆發系統性風險，但不排除發生個體性風險的可能。”郭田勇說。（完）迷你倉新蒲崗

製圖：武亞新本報訊（記者範海瑞 實習生李有治）自7月20日起，mini storage央行取消銀行業金融機構貸款利率0.7倍的下限，這被業內認為是銀行業利率市場化邁出了重要的一步，時隔近一月，業界又流傳出光大、平安、廣發等多家銀行相繼上浮2年、3年、5年中長期存款利率的消息，蘭州市各大銀行存貸款利率是否有所異動呢？8月13日，記者走訪了蘭州市多家銀行瞭解到，近期蘭州各大銀行存款利率維持不變，而至於貸款利率下限一說，�多業內人士皆表示，在目前資金供小于求的情況下，7折貸款利率在市場上基本是難得一見的。針對業界傳聞的光大、平安、廣發等銀行上浮中長期存款利率一說，記者走訪了蘭州多家銀行，各銀行皆表示尚未有此調整。光大銀行蘭州分行的一位負責人告訴記者，目前蘭州分行方面並沒有接到總行對此的相關通知，2年、3年、5年的中長期存款還是執行之前確定的利率，並未對此予以上浮。記者瞭解到，去年部分銀行對3個月、6個月self storage1年期等短期存款利率按照基準利率上浮10%以後，對於2年、3年、5年的中長期存款利率並沒有上浮。就目前綜合情況來看，蘭州銀行、招商銀行、浦發銀行、光大銀行等股份制商業銀行和城商行短期存款利率略高于五大國有行，而中長期存款利率則保持一致。央行規定，自7月20日起取消金融機構貸款利率0.7倍的下限，記者走訪了蘭州多家銀行瞭解到，目前各大銀行其執行的貸款利率，仍然是2012年7月6日更新的數據，其中6個月期限貸款利率為5.6%，6個月至一年期限的利率為6%，一年至三年期限的利率為6.15%，暫時未做出調整。某銀行的一位信貸經理告訴記者，針對不同的客戶，銀行的貸款利率會有所差別，貸款利率下浮也並非針對所有企業，在如今流動性較為緊張的時候，貸款利率下行幾乎不可能，至於央行取消銀行業金融機構貸款利率0.7倍的下限，對於目前市場的影響極其有限，蘭州市場上7折貸款利率優惠可以說基本很難看到。迷你倉

南都訊 日前，迷你倉招商銀行推出的M+卡對持卡用戶免除每個月前兩筆異地跨行取現手續費。而在去年，佛山農商行和廣東南粵銀行已實現對所有異地跨行取現手續費免除。專家認為，在當前利潤市場化加速推進的背景下，異地跨行取現免除手續費的銀行範圍將快速擴容。異地跨行取現 四大行手續費高日前，招商銀行推出了M +借記卡。該卡為吸引客戶，推出了每月前兩筆異地跨行取現免除手續費的優惠政策。這讓異地跨行取款手續費的話題，再次被提起。市民單小姐對此就深有感觸。一個月前，市民單小姐持工行銀行卡在陝西老家一農行A T M上取了10000現金，結果手續費被扣了104元。單小姐打電話一問才知道，工行對異地A T M機取現按照取現金額1%收費，1萬的手續費是100。同時，由於單小姐還是跨行取款，每筆還有加收4元，總共104元。南都記者昨日咨詢瞭解到，建行、農行收費標準與工行大致相同，建行異地跨行手續費上不封頂，中行按照取現的次數計費。相比四大國有商業銀行，股份制銀行的收費標準要低一個檔次。招行卡同行異地取現，每筆收取5?收費，最低5元，最高50元，跨行還要額外加收2元。平安銀行跟招行收費標準幾乎相同。興業、華夏則對符合一定條件的跨行取現實行免費政策。銀行手續費減免將提速不過，從去年開始，異地跨行取現收費的慣例逐漸被一些城商行打破。去年4月1日開始，廣東南粵銀行對佛山的持卡用戶，實行異地跨行A T M機取現免除手續費的政策。而且，該政策不僅在國內，跨境外出A T M機取現也同樣不收手續費。而在去年年底，佛山農商行成立之時，便實施八成項目手續費全免的優惠舉措。對於持卡客戶，免費範圍涵蓋賬戶服務、結算服務、銀行卡等，異地跨行取現手續費即在免費範圍之內。如今，對普通卡客戶異地跨行A T M取現，招行也對M +卡推出了一定條件的異地跨行取現免費的政策。“隨著央行解除貸款利率下線，利率市場化的進程目前正在加速推進，銀行業之間的競爭激烈程度前所未有，客戶的主體地位將進一步得到加強。像異地跨行取現等諸多手續費都會加速減免。”中央財經文件倉學金融學院教授郭田勇認為，這一趨勢最終會波及到四大國有商業銀行。[理財資訊]“智能金賬戶”：讓現金資產收益最高可增20倍現金類資產是家庭財富組合中必不可少的一部分。如何才能讓現金隨時可用，同時又能產生更高的收益呢？日前，廣發銀行推出了現金管家系列產品之“智能金賬戶”。“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。在確保客戶資金流動性的前提下，讓客戶的活期儲蓄收益最大化，可使客戶預期收益提高最高20倍。據介紹，“智能金賬戶”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，讓活期資金獲得最大效率的利用。開通“智能金賬戶”後，客戶可預先設定留存金額，把活期賬戶中高于留存金額的資金自動申購易方達基金貨幣A，為客戶提供最高20倍于同期活期利率的收益。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以及還款到期日，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以及最佳贖回時間，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。計生家庭保險：每年繳300元 3年後獲賠3萬由中國計生協與中國人壽保險股份有限公司聯合推出的針對全國計生家庭的特別保險計劃《國壽計劃生育家庭意外傷害保險》，自2009年在我市推廣以來至今，在佛山覆蓋人數已超過14萬人，累計賠付金額超過215萬元，一定程度上緩解了計生家庭“因病致貧、因病返貧”的問題。家住禪城區黃女士早在2010年就通過居委會為本人及家庭投保了中國人壽計生家庭險，每年繳費300元，連續投保三年。天有不測風雲，今年春季，黃女士的丈夫因身體不適入院檢查，被醫院診斷為腎衰竭，因病情不斷惡化最終不治過世。中國人壽佛山分公司在接獲家屬報案後，快速�動針對計生家庭理賠的綠色通道。8月9日，中國人壽佛山分公司、佛山市計生協、禪城區衛計局、祖廟街道等相關領導至客戶家中共同進行慰問，並將合計3萬元的理賠款送到受益人的手中。採寫：南都記者 楊森通訊員 曾明瑞 童敏存倉

見習記者蔡蔚雅8月13日，文件倉日本央行如期公佈了7月10日至11日舉行的貨幣政策會議紀要。在7月份的會議中，日央行上調了對經濟的評估，並兩年半來首次用“複蘇”一詞來形容日本經濟。紀要顯示，多數委員認為日本經濟開始溫和複蘇，所有委員均認為國內需求輕微改善，日本CPI將可能轉為正增長。的確，隨後公佈的一系列經濟數據證明瞭委員們的判斷。自今年4月日本央行大規模地實施貨幣刺激措施並宣稱無限期持續實施寬鬆政策直至實現2%的通脹目標為止後，日元大幅貶值，這在相當程度上提振了出口。此外，消費者信心也大幅改善，據統計，今年二季度日本的消費上升了3.1%。在食品、旅遊和電子產品消費的強勁拉動下，二季度私人消費環比增長了0.8%，高于市場此前對其上升0.5%的預估。據日本總務省公佈的數據顯示，6月份全國核心消費者價格指數同比上升0.4%，實現了2012年4月以來的首次同比上升，預示著日本長達15年的通貨緊縮或將結束。GDP方面也迎來了利好數據，2013年一季度GDP強勁增長至4.1%。雖然二季度GD P同比增長僅達2.6%，遠低於預期，並迫使一季度數據下修至3.8%。但有分析人士指出，今年二季度GDP數據與日本經濟過去10年的平均增速相比已不止翻番了，只是同比數據受制于一季度的強勁增長而顯得放緩而已。日本經濟的增長帶動了就業增加，據最新數據顯示，日本6月份失業率僅為3.9%，較上月下降0.2個百分點，創4年半最低水平。無論是CIP、GDP還是6月份的就業數據，均表明日本經濟正在逐步複蘇。盡管日本國內經濟正在逐漸好轉，但委員們對國內資本支出前景卻持謹慎態度。一位委員認為大型企業的資本計劃缺乏活力；還有一位委員指出大型製造業者資本支出仍不高。據最新數據顯示，日本今年二季度資本支出環比下降0.1%，遠低於此前市場對其存倉長0.7%的預測。迄今為止，日本的資本支出已連續6個月環比下滑。13日日本內閣府公佈的最新數據顯示，日本6月份核心機械訂單環比下降2.7%，預期下降7.2%，前值上升10.5%；同比增長4.9%，預期增長2.4%，前值增長16.5%。內閣府公佈的數據還顯示，盡管今年二季度日本核心機械訂單環比增長6.8%，達到5個季度以來首次增長；但令人擔憂的是各項數據顯示三季度核心機械訂單恐將環 比下降5.3%左右。核心機械訂單是體現未來6到9個月資本性支出的指標。雖然6月份數據均好于預期，且有部分專家認為該數據顯示了日本經濟緩慢複蘇的跡象，但從6月份環比下降的數據和日內閣府對第三季度數據的預期，我們仍可以看出，日本政府的再通脹政策並未對國內企業增加資本性支出帶來多大效果，擴大資本性支出仍是日本政府亟待解決的問題。此外，委員們仍擔心海外需求將因中國和其他新興經濟體的增速放緩而減弱，從而導致出口減速而拉低本國經濟的增長水平。數據顯示，今年二季度日本出口上升了12.5%，海外需求對日本GDP增長的貢獻率上升了0.2個百分點。有專家指出，如果海外需求持續萎縮，日本的經濟增長將“被放緩”。若政府再如期上調消費稅 稅率，消費需求的下降也將大幅拉低日本整體的經濟增長水平。到那時，日本經濟或將陷入再度萎縮的泥沼。因此分析人士認為，為了避免該風險的發生以及實現政府此前承諾的2%通脹目標，日本央行很可能會繼續擴大寬鬆政策。如果日央行擴大寬鬆政策，而美聯儲如預期在9月份縮減量化寬鬆規模，則日元兌美元將會大幅貶值，從而提振日本對美出口，彌補其對其他區域出口的下降，從而避免因出口下降造成的經濟下滑。此外，進一步的寬鬆刺激還將提振本國的消費和投資，從而在一定程度上緩解因消費稅上調造成的經濟萎縮。如此看來，日央行繼續加大寬鬆仍有可能。自存倉

FITCH'S ratings downgrade of Malaysia's outlook could not have been a total surprise to investors.迷你倉 In what seemed to be a warning salvo, the international rating agency downgraded Malaysia's sovereign rating over the country's worrisome finances. It could be a prelude to an outright diminution of investment grade.To be sure, Malaysia's public finances are worrisome. The federal government debt position is at 53 per cent of gross domestic product (GDP) - edging towards the statutory limit of 55 per cent - and if Putrajaya's contingent liabilities are added to the pile, the figure climbs to 69 per cent of GDP. Moreover, the budget deficit has begun to rise again, climbing back to 4.7 per cent of GDP in the second quarter, up from the projected 4 per cent that the government had hoped for. And Putrajaya continues to spend, recently giving out RM500 (S$194) bonuses to civil servants ahead of the festive season.Fitch's downgrade was in early August, and the week that followed was rough. The stock market fell the most in seven weeks; the ringgit dropped to its lowest level in three years. As it was, the ringgit had fallen 6.1 per cent against the US dollar since January, closing at RM3.244 at the end of July. Yesterday, it was trading at RM3.2570 against the greenback. More importantly, the yield of Malaysian government 10-year debt paper has increased to its highest point since January 2011. The pressure isn't going to go away anytime soon. Indeed, the anticipation of the US F文件倉deral Reserve tapering its bond purchases earlier than expected and Fitch's caveat will continue to pose problems for the ringgit.Although June's trade surplus widened to RM4.3 billion from RM2.5 billion in May, the surplus for the second quarter narrowed to RM7.8 billion, down sharply from RM16.3 billion in the first quarter. That's why Bank of America Merrill Lynch recently predicted a small current-account deficit in the second quarter of about RM972 million or 0.4 per cent of GDP. The trade surplus in the balance of payments, it said, would not be sufficient to offset the deficit in the services balance and another deficit in the income balance.It's just the bank's hunch and the final figures will not be out until late August, but the market seems to think it's probably the case. And despite the fact that, in the overall scheme of things, it's a relatively small deficit, it's still the first in 16 years. And that seems to have been seen as good a reason to sell the ringgit as any.A current-account deficit usually translates into declining international reserves. And while the country's international reserves stood at a reassuring US$137.8 billion as at end-July, the total reserves have fallen by 1.4 per cent or US$1.9 billion since January. Prime Minister Najib Razak has said that the government will unveil a number of policies in the coming national budget to strengthen its fiscal and macro position. Hopefully, it will include measures to cut the soaring national debt.存倉

互聯網第三方支付這塊「肥肉」，存倉並非只有券商趨之若鶩，阿里巴巴等業內巨頭亦紛紛加大對該領域的投入。根據易觀國際日前發布數據顯示，今年二季度中國第三方互聯網支付市場交易規模達到13409億元（人民幣，下同），環比增7.1%，較一季度3%的增速明顯加快。報告指出，第三方互聯網支付在經歷了傳統的一季度的低增長之後，第三方支付企業服務的細分市場的交易規模開始得到釋放，對互聯網支付交易規模有較大的帶動作用。另一方面，第三方支付企業在高校繳費、保險、跨境支付、大宗商品交自存倉市場等領域滲透率的增加，也促進了互聯網支付的整體增長。從市場格局來看，支付寶、財付通、銀聯網上支付分別以46.3%、20.0%及13.1%佔據市場前三位，合計佔據整個市場約80%的市場份額。另有分析指出，基於第三方支付產生的理財業務在品種的多樣性上無法同銀行比擬。雖然當前第三方支付的應用十分廣泛，但無法撼動銀行作為結算主渠道的地位。此外，基於第三方支付數據分析產生的互聯網貸款將會搶奪銀行小額貸款業務，但是風控水平同銀行還有很大的差距，能否長遠發展還需要關注。迷你倉新蒲崗

財經事務及庫務局和金管局歡迎公眾就有關儲值支付產品及零售支付系統的建議監管制度的諮詢文件提供意見，迷你倉庫而諮詢期將於8月22日完結。建議的監管制度旨在賦權金管局，就儲值支付產品（包括預付卡，及以流動電話或電腦網絡帳戶為基礎的預付產品）及零售支付系統履行發牌、指定、監管及執法的職能。財經事務及庫務局和金管局認為，加強監管制度有助維持公眾對創新的零售支付產品及系統的信心，並且促進香港金融體系及支付系統的整體穩定及有效運作。為配合建議的監管制度，諮詢文件概述了修訂《結算及交收系統條例》及《銀行業條例》的立法建議。財經事務及庫務局聯同金管局將在考慮公眾諮詢收集的意見後，向立法會提交相關的修訂條例草案。

　　上個月，迷你倉庫央行宣佈放開貸款利率下限，隨後利率市場化出現提速跡象。最近包括光大銀行、廣發銀行、平安銀行、北京銀行在內的多家商業銀行陸續將中長期定存利率上調10%，“一浮到頂”。而暫時沒有上浮利率的銀行，直接上調了理財產品的收益率。　　多家銀行中長期　　存款利率一浮到頂　　繼年初廣發銀行對中長期存款利率“上調10%、一浮到頂”後，越來越多的股份制銀行開始加入這一陣營，對2年期、3年期甚至5年期的定期存款利率上浮到頂。　　今年上半年，廣發銀行率先上浮兩年期和三年期定期存款利率，2年期、3年期的存款利率從原來的3.75%、4.25%分別上浮至4.125%、4.675%；不過，該行對五年期存款利率沒有變動，依然執行基準利率。　　從6月底開始，北京銀行的2年期、3年期和5年期的定存利率均上浮10%。北京銀行工作人員表示，該行全國網點均已上浮。隨後，平安銀行也將3年期、5年期的定存利率上浮10%。　　而上周，光大銀行也全面上調中長期存款利率，將2年期、3年期、5年期定期存款利率分別由此前的3.75%、4.25%、4.75%上浮10%至4.125%、4.675%及5.125%。據光大銀行相關人士介紹，上浮利率是針對客戶的優惠活動，這項活動暫時定在9月30日。　　據記者瞭解，包括杭州銀行、寧波銀行、渤海銀行、南京銀行在內的多家城市商業銀行，已由去年下半年起上調了2年期、3年期、5年期定存利率，其中多數銀行這三檔存款利率由此前的3.75%、4.25%、4.75%上浮至4.125%、4.675%、5.225%，較基準利率上浮10%，可謂“一浮到頂”。　　沒有調整動靜的銀行，直接搬出理財產品當“救兵”。一家股份制銀行理財師表示，目前利率並無上浮的消息，不過有三年期和五年期保本保收益的理財產品，收益率高達4.75儲存和5.35%，高于他行上浮到頂的定存利率。　　享受高利率　　各家銀行門檻不同　　記者算了一筆賬，如果一位客戶有10萬元，按照上浮10%的利率存入1年、2年、3年及5年的定期存款，到期利息收入將比基準利率增加300元、750元、1275元及2375元。　　不過，要享受高利率，多家銀行都設置了“門檻”。以3年期為例，光大銀行門檻較低，個人存款在3萬元即可享受，廣發銀行定存門檻為5萬元，平安銀行則要達到50萬元。北京銀行更是分為單筆5萬元以下，5萬元及以上兩檔，利率設為4.25%和4.675%兩檔。　　享受5年期定存利率上限5.225%附加條件更為嚴格。門檻最低的光大銀行只需要存款3萬元即可，但該行的最高檔利率為5.125%。　　而北京銀行以20萬為界，設定上下兩檔，分別執行4.75%和5.225%的上浮利率。平安銀行的5年期定存則需要持白金卡，且單筆300萬元以上的新增資金或500萬元以上的存量資金才可享受最高利率，同時需要審批等特殊條件。　　銀行提高利率　　迫于攬儲壓力　　“近期一些銀行把中長期存款上浮到頂，更多的是迫于攬儲的壓力。”杭州一家銀行股份制商業銀行理財師分析。隨著經濟增速放緩，信貸供需依然疲弱，由貸款帶來的派生存款也隨之減少，尤其是對大企業客戶資源相對薄弱的中小銀行而言，吸存壓力愈發增大。　　多位銀行業人士表示，各家銀行下半年的攬儲任務依然很重。無論是中長期定存利率上浮還是銀行理財產品收益率上調，均折射出銀行面臨資金壓力，也反映出銀行“未雨綢繆”的心態，即進一步加強流動性風險管理，應對日益激烈的競爭環境。　　也有分析師表示，越來越多的商業銀行上浮存款利率是利率市場化發展的趨勢。雖多數銀行對於中長期存款利率的上浮只是短期優惠政策，但可能是商業銀行初步的實驗，若效果不錯，可能會長期持續。新蒲崗迷你倉

bjrb.bjd.com.cn/html/2013-08/14/content_99168.htm...包商銀行債券結算代理暫停 本報訊（記者 楊汛）央行昨日發佈通知，迷你倉庫暫停包商銀行（包頭商業銀行）銀行間債券市場債券結算代理業務資...

YOUNGSTOWN-WARREN, Ohio, Aug.新蒲崗迷你倉 14, 2013 /PRNewswire/ -- AT&T* has turned on the nation's fastest and most reliable 4G LTE network** in Youngstown-Warren, bringing customers the latest generation of wireless network technology. Watch here to see several of the benefits AT&T 4G LTE provides, including:(Logo: photos.prnewswire.com/prnh/20120612/DA23287LOGO)-- Faster speeds. LTE technology is capable of delivering mobile Internet speeds up to 10 times faster than 3G***. Customers can stream, download, upload and game faster than ever before. -- Reliability. AT&T not only has the nation's fastest 4G LTE network, but now also has the most reliable 4G LTE network. According to independent third-party data, AT&T has the highest success rate for delivering mobile content across nationwide 4G LTE networks. -- Cool new devices. AT&T offers several LTE-compatible devices, including new AT&T 4G LTE smartphones and tablets. -- Faster response time. LTE technology offers lower latency, or the processing time it takes to move data through a network, such as how long it takes to start downloading a webpage or file once you've sent the request. Lower latency helps to improve services like mobile gaming, two-way video calling and telemedicine. -- More efficient use of spectrum. Wireless spectrum is a finite resource, and LTE uses spectrum more efficiently than other technologies, creating more space to carry data traffic and services and to deliver a better network experience."I'm proud to say that Youngstown is among the communities enjoying this cutting-edge technology," said State Senator Joe Schiavoni. "AT&T's investment is an example of the company's overall commitment to the Mahoning Valley area, and builds on our reputation as a strong region for business investment.""In an information-driven economy, the ability to have access to the latest communications technology is critical," said Tom Presby, Director of Business Development, Youngstown/Warren Chamber of Commerce. "Investments like this assure that businesses of all sizes can compete effectively in a global economy. I would like to thank AT&T for this investment in our community."AT&T's 4G NetworkAT&T's innovation and investment has resulted in a nationwide 4G network with ultra-fast speeds and a more consistent user experience. The great performance of AT&T's fastest and most reliable 4G LTE network continues to be validated by independent third-party testing:-- Our 4G LTE service was recognized as having faster average download and upload speeds than any of our competitors in PCWorld/TechHive's most recent 20-market speed tests -- the second consecutive year that AT&T has ranked first overall. PCWorld/TechHive also ranked AT&T's as the fastest combination of 3G and 4G services in the 20 cities it tested.**** -- And AT&T was named America's fastest 4G LTE network in PC Magazine's 2013 Fastest Mobile Networks 30-market study -- and also swept the top rankings in all six U.S. regions from coast to coast: Northeast, Southeast, North-Central, South-Central, Northwest and Southwest.*****Even as AT&T continues to expand its 4G LTE coverage, customers can get 4G speeds outside of 4G LTE areas on our 4G HSPA+ network, unlike some competitors, where smartphone customers may fall back to slower 3G technologies when outside of LTE coverage."We continue to see demand for mobile Internet skyrocket, and our 4G LTE network in Youngstown-Warren reflects what customers want from their mobile experience -- more, faster, reliably, on the best devices," said Steve Kristan, AT&T External Affairs Director. "We'll continue to invest and transform our infrastructure in response to the demands of the Ohio marketplace."AT&T's focus to deliver the best possible mobile Internet experience goes beyond 4G to embrace additional connection technologies. AT&T operates tmini storagee nation's largest Wi-Fi network****** including more than 32,000 AT&T Wi-Fi Hot Spots at popular restaurants, hotels, bookstores and retailers, and provides access to more than 402,000 hotspots globally through roaming agreements. Most AT&T smartphone customers get access to our entire national Wi-Fi network at no additional cost, and Wi-Fi usage doesn't count against customers' monthly wireless data plans.AT&T also is a leading developer of Distributed Antenna Systems, which utilize multiple small antennas to maximize coverage and speed within stadiums, convention centers, office buildings, hotels and other areas where traditional coverage methods are challenging.Over the past five years, AT&T invested nearly $98 billion into its wireless and wireline networks across the country. Since 2008, AT&T has invested more capital into the U.S. economy than any other public company. In a July 2012 report, the Progressive Policy Institute ranked AT&T No. 1 on its list of U.S. "Investment Heroes."*AT&T products and services are provided or offered by subsidiaries and affiliates of AT&T Inc. under the AT&T brand and not by AT&T Inc.** Limited 4G LTE availability in select markets. LTE is a trademark of ETSI. Speed claim based on a comparison of U.S. national carriers' average 4G LTE download speeds for Android(TM) and Windows smartphones and iPhone 5. Reliability claim compares data transfer completion rates on nationwide 4G LTE networks. 4G speeds not available everywhere.*** 4G LTE device and data plan required. Up to 10x claim compares 4G LTE download speeds to industry average 3G download speeds. Learn more about 4G LTE at att.com/network.**** PCWorld/TechHive, May 23, 2013, "AT&T clocks best overall speeds with 3G/4G combo"***** PC Magazine, June 17, 2013; .pcmag.com/article2/0,2817,2420333,00.asp ****** A Wi-Fi enabled device required. Other restrictions apply. See .attwifi.com for details and locations.About AT&TAT&T Inc. is a premier communications holding company and one of the most honored companies in the world. Its subsidiaries and affiliates - AT&T operating companies - are the providers of AT&T services in the United States and internationally. With a powerful array of network resources that includes the nation's largest 4G network, AT&T is a leading provider of wireless, Wi-Fi, high speed Internet, voice and cloud-based services. A leader in mobile Internet, AT&T also offers the best wireless coverage worldwide of any U.S. carrier, offering the most wireless phones that work in the most countries. It also offers advanced TV services under the AT&T U-verse((R)) and AT&T ?DIRECTV brands. The company's suite of IP-based business communications services is one of the most advanced in the world.Additional information about AT&T Inc. and the products and services provided by AT&T subsidiaries and affiliates is available at .att.com. This AT&T news release and other announcements are available at .att.com/newsroom and as part of an RSS feed at .att.com/rss. Or follow our news on Twitter at @ATT.(C) 2013 AT&T Intellectual Property. All rights reserved. 4G not available everywhere. AT&T, the AT&T logo and all other marks contained herein are trademarks of AT&T Intellectual Property and/or AT&T affiliated companies. All other marks contained herein are the property of their respective owners.Cautionary Language Concerning Forward-Looking StatementsInformation set forth in this press release contains financial estimates and other forward-looking statements that are subject to risks and uncertainties, and actual results might differ materially. A discussion of factors that may affect future results is contained in AT&T's filings with the Securities and Exchange Commission. AT&T disclaims any obligation to update and revise statements contained in this news release based on new information or otherwise.Photo: photos.prnewswire.com/prnh/20120612/DA23287LOGOAT&T Inc.CONTACT: Holly Hollingsworth, Media Relations, AT&T Ohio, 614-223-5711,holly.hollingsworth@att.comWeb site: .att.com/self storage

Source: The Record, Stockton, Calif.文件倉Aug. 13--Even with the unseasonably tolerable weather of late, it's hard not to look at the front lawn and wonder if it might need a little extra water.The lawn represents a never-ending battle: the desire to make it the envy of the neighborhood vs. the necessary attention to detail.The frustration led me to wish I could replace it with turf lawn, the oh-so-real looking artificial surfaces now used in football stadiums. One friend said, "You can. My daughter's family used it around their pool."What? Turns out you can get the stuff on a smaller scale, and a reader called last week to say she'd heard about a rebate program offered in one city for people who actually made the switch and thus cut down on water use.An Internet search didn't turn up the Northern California city the reader referenced, but the City of Riverside has a rebate program of up to $1,000 for homeowners who make the switch in a water-saving effort, and other cities in parched Southern California have programs.Financially strapped Stockton doesn't have one, and isn't likely to, nor has there been demand for one.Neither the City of Stockton's water committee nor Concerned Citizens Coalition of Stockton, which fought the water privatization initiative, has addressed artificial lawn as a water saver, according to Bill Loyko, a member of both."From a municipal utility department, the focus has been on anything that would reduce water consumption in order to meet former Gov. Schwarzenegger's 20x2020 plan (to achieve 20 percent per capita reduction in urban water demand by 2020)," Loyko said. "Artificial lawns automatically eliminate hundreds of gallons of water a week. ... I don't think anything's been said about it, though."Part of the silence may be the city's ordinance, which requires 50 percent of front yard space be devoted to live plants, shrubs or lawns.The local Master Gardeners haven't suggested artificial lawn either, instead recommending native plants that require less water, and turning lawns into gardens that combine perennials, shrubs and fruits and vegetables.David Stagnaro, a planning manager with the City of Stockton whose work includes long-range planning on water and green energy issues, knows of people installing it."It wasn't in the city, but in the county," Stagnaro said. "They installed completely non-natural artificial turf. They had a very big yard and decided to do that, not so much because of watering but because of maintenance. I know it's happening and landscaping companies are doing that."One is Tri Valley Turf N More, based in Jamestown, which has been installing patio covers and building sun rooms for 40 years and began installing artificial lawn eight years ago."It's mostly those that can afford the luxury, older people for sure," said owner Jim Reville. "It's more established people. I di存倉 (the yard of) an 80-year-old couple and they had a huge yard. It was a $15,000 job, but they said they couldn't (care for the lawn) anymore."Besides, since the couple's water meter had been annexed by another district, their $100 monthly water bill had risen to $500 in a few months' time."For them, it paid off rapidly," Reville said.The initial outlay is costly, though, averaging $6 to $10 a square foot. At Home Depot on Hammer Lane, prices range from $3.68 to $4.17 a square foot, depending on which of the several grass types you choose, but there's an additional charge for installation. Store employees tell of few sales.A drive through the Morada area yielded a lot of lawn envy on my part, but not a single artificial blade.A couple who regularly walks through their neighborhood said they had not seen any artificial lawn. When they lived in Dublin, though, there were several homeowners making the switch, they said, because the price of water there was so high. With water prices more reasonable in the valley, residents are able to keep it real.In Lincoln Village West, where, as in Morada, one beautiful yard after another features lush, green, manicured lawn, they were all real. A tiny brown spot, sprinkler head or occasional weed were the giveaways, although weeds aren't necessarily a sign of real lawn. Those dastardly buggers can make their way up through artificial turf, Reville said. Their determination to ruin a good thing knows no bounds.You won't find an artificial lawn in Quail Lakes or Brookside, either, although Reville has put them on golf course properties in other areas.In Stockton, though, homeowners associations will keep the artificial turf business from booming."We prefer natural lawn," said a woman at Landmark Limited, which manages 20 different homeowners associations in Stockton.The bias against artificial lawn is puzzling. The stuff looks real. It comes with a 10-year warranty, but Reville said it easily lasts 15 or 20.Safety concerns raised in 2008 about toxins in the material have been investigated by the Center for Disease Control, Consumer Product Safety Commission and Environmental Protection Agency, none of which see artificial lawns presenting a health risk.We live in a region that from a climate perspective is a desert, with its 13 to 17 inches of rain a year, and only a minimal amount of water is needed to keep artificial lawns looking beautiful.The price tag is keeping me out of the market, but that doesn't mean I don't dream of having a perfect carpet of artificial lawn every time I drive up to my house and see barren pots, or dig out another clump of broadleaf.Contact columnist Lori Gilbert at (209) 546-8284 or lgilbert@recordnet.com.Copyright: ___ (c)2013 The Record (Stockton, Calif.) Visit The Record (Stockton, Calif.) at .recordnet.com Distributed by MCT Information Services自存倉