- Aug 14 Wed 2013 14:25
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AT&T Invests $90 Million In Massachusetts Wireless And Wireline Networks In First Half Of 2013
BOSTON, Aug.儲存 14, 2013 /PRNewswire/ -- Blazing speeds. Great reliability. Broad coverage. Excellent overall performance. That's what Massachusetts residents want from their mobile Internet, and it's exactly what AT&T* is delivering with an array of network upgrades completed in the first half of 2013.(Logo: photos.prnewswire.com/prnh/20120612/DA23287LOGO)In the first half of 2013, AT&T invested more than $90 million in its wireless and wired networks in Massachusetts. The investments included deployment of new macro cell sites, small cells and Distributed Antenna Systems across the state as a part of AT&T's Project Velocity IP, a three-year investment plan announced last fall to expand and enhance its IP broadband networks. The company also expanded and enhanced its 4G LTE network, which provides ultra-fast mobile Internet speeds, and deployed new Wi-Fi hot spots.These investments help to ensure that Massachusetts residents continue to receive the best possible experience over the AT&T network, whether at home, at work or on the go. The great performance of AT&T's 4G LTE network, now the nation's fastest and most reliable, continues to be validated:-- AT&T now 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.** -- Meanwhile, 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 1st 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 - sweeping the top rankings in all six U.S. regions from coast to coast: Northeast, Southeast, North-Central, South-Central, Northwest and Southwest.****"Fast, reliable connectivity is essential to both quality of life and competitiveness at work," said Patricia Jacobs, president, AT&T New England. "No one understands that better than we do, and no one is doing more than AT&T to mobilize a world that works for people in Massachusetts. With initiatives like Project Velocity IP, we're working to ensure that Massachusetts consumers and businesses remain at the leading edge of broadband services."In addition, RootMetrics(R) has awarded AT&T 1st or tied for 1st for strongest overall call, text, and data performance in 66 of 125 national markets - including 3 of 3 in Massachusetts, where AT&T was 1st in Boston, Springfield and Worcester - from January through June this year.*****Highlights of network upgrades completed so far this year in Massachusetts include:-- Launch of AT&T's 4G LTE network on Cape Cod and Martha's Vineyard -- Launch of AT&T Digital Life in the Boston area -- Expansion of AT&T's 4G LTE network to more areas of New Bedford and SpringfieldThe 2013 year-to-date network investment builds on the nearly $550 million that AT&T has invested in its Massachusetts wireless and wired networks from 2010 through 2012.AT&T 4G LTE is now available in multiple areas of the state, including Boston, Cape Cod, Martha's Vineyard新蒲崗迷你倉 Springfield and Worcester. Nationwide, more than 225 million Americans have access to AT&T 4G LTE service. By year-end 2013, AT&T expects to cover nearly 270 million people and 400 markets with its 4G LTE network.For more information about AT&T's coverage in Massachusetts or anywhere in the United States, consumers can visit the AT&T Coverage Viewer. For updates on the AT&T wireless network, please visit the AT&T network news page.*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.** Speed claim based on comparison of 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. Limited 4G LTE availability in select markets. LTE is a trademark of ETSI. 4G speeds not available everywhere.*** 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***** Performance rankings based on 125 RootMetrics(R) RootScore(R) Reports, January - June 2013, of 4 national mobile networks that rely on scores calculated from random samples. Your experience may vary. The RootMetrics award is not an endorsement of AT&T. Visit .rootmetrics.com for more details.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/aboutus or follow our news on @ATT, on Facebook at .facebook.com/att and YouTube at .youtube.com/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 news release contains financial estimates and other forward-looking statements that are subject to risks and uncertainties, and actual results may 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 or revise statements contained in this news release based on new information or otherwise.Photo: photos.prnewswire.com/prnh/20120612/DA23287LOGOAT&T Inc.CONTACT: Meaghan Wims, Duffy & Shanley for AT&T New England, (401)278-4434, mwims@duffyshanley.comWeb site: .att.com/mini storage
- Aug 14 Wed 2013 14:09
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BlackBerry Jam Asia
大會主要針對BlackBerry系統的開發者及合作夥伴,儲存透過此會議可以了解如何為BlackBerry 10平台開發應用程式,並通過應用程式獲得利潤。在大會舉行期間,開發者將獲得深入的程式開發訓練、探討商業策略及拓展人脈的機會,以幫助開發和完善該平台的應用程式。 info日期 9月26至27日時間 全日地點 香港亞洲博覽館主辦機構 BlackBerry費用 99美元起查詢 800 13 203 1935 AUG 23 中國國情研討會面對中港兩地不同的營商環境,企業如何裝備才能精益求精,搶得先機?該研討會以「認識傳統智慧.了解科技創新」為主題,讓與會者認識大陸發展和改革的脈絡走勢。info時間 全日地點 香港金鐘道95號統一中心8樓主辦機構 香港電腦學會費用 1,200港元起查詢 2834 2228AUG 25ICCCF Hong Kong為期三日,主題為「One Digital W新蒲崗迷你倉rld, Many Digital Crimes」的International Conference on Cyber Crime and Computer Forensic 2013,為網絡保安專才提供交流平台。info時間 全日地點 九龍東皇冠假日酒店主辦機構 香港城市大學及香港中文大學費用 會員6,500港元、非會員6,800港元查詢 3900 0333AUG 28 轉型升級•香港博覽為期兩日的展覽會,將顯示香港各項服務業的優勢,其中包括科技創新,讓大陸企業認識香港業界對其「轉型升級」的實際幫助。info時間 全日地點 廣州保利世貿博覽館主辦機構 香港貿易發展局費用 免費查詢 2584 4366解說下載免費的QRcode軟件,開啟後利用手機鏡頭對準QRcode,即可連線上網獲取相關資訊。Text:編輯部 Photo:星島圖片庫 Art:sam Editor:Jeanmini storage
- Aug 14 Wed 2013 13:58
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TriMet, bus manufacturer settle lawsuit over April 2010 Old Town crash that killed two
Source: The Oregonian, Portland, Ore.新蒲崗迷你倉Aug. 12--TriMet and its bus manufacturer have agreed to pay $4 million to five plaintiffs stemming from an April 2010 crash in which a TriMet bus struck a group of pedestrians, killing two women.The settlement calls for both Trimet and bus manufacturer New Flyer to pay $2 million each, according to a news release by TriMet. The agreement -- reached hours before the case was to go to trial -- resolves federal and state lawsuits filed by the plaintiffs, TriMet said.The crash occurred when driver Sandi Day tried to turn left onto Northwest Broadway from the far side of two-lane Northwest Glisan Street. The bus struck a group of pedestrians in the crosswalk, killing Danielle Sale, 22, of Vancouver and Jenee Hammel, 26, of Gresham and hospitalizing Robert "Erik" Gittings, of Boise. Ryan Hammel, 28, and his wife, Jamie Hammel, 23, of Portland, also sustained injuries."The loss of a child is one of the most devastating experiences a parent can go through," Jenee Hammel's family said in a statement. But they also note the loss for Jenee's son, Kobe, who was 2 years old at the time of the crash. "Kobe does not yet grasp the concept of death. He talks about wanting to go up to heaven to see his mommy. He promises his dad and grandma that he will be right back. As he grows up and struggles with the finality of his mom's death, he will have the support of his loving family to come to terms with himini storage feelings, and hopefully, to lessen the hurt and devastation."According to TriMet, the plaintiffs will determine how the settlement will be shared."This was the worst tragedy in TriMet's history and we hope this settlement brings a sense of closure for the families," said TriMet General Manager Neil McFarlane. "From this tragedy, TriMet has implemented safety improvements throughout the agency to reduce risks and hazards as we make safety our core value."Day was cited for six misdemeanor traffic violations for not yielding the right-of-way and for making an illegal left turn from NW Glisan onto Broadway, and she was fired in August 2010, although her termination is being challenged by the Amalgamated Transit Union.Hala Gores, the attorney for Jenee Hammel's estate, said that the crash was "an accident waiting to happen." She argued that the position of the exterior driver's side mirror creates a dangerous blind spot for drivers that TriMet needs to address."These cases have always been about the safety of our community," she said, adding that the family urges a planned audit of TriMet by the Secretary of State of TriMet should focus on "the lack of safety culture that continues to exist at TriMet."-- Helen JungThis posting will be updated with additional information.Copyright: ___ (c)2013 The Oregonian (Portland, Ore.) Visit The Oregonian (Portland, Ore.) at .oregonian.com Distributed by MCT Information Servicesself storage
- Aug 14 Wed 2013 13:47
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AT&T Invests $90 Million In Massachusetts Wireless And Wireline Networks In First Half Of 2013
BOSTON, Aug.迷你倉價錢 14, 2013 /PRNewswire/ -- Blazing speeds. Great reliability. Broad coverage. Excellent overall performance. That's what Massachusetts residents want from their mobile Internet, and it's exactly what AT&T* is delivering with an array of network upgrades completed in the first half of 2013.(Logo: photos.prnewswire.com/prnh/20120612/DA23287LOGO)In the first half of 2013, AT&T invested more than $90 million in its wireless and wired networks in Massachusetts. The investments included deployment of new macro cell sites, small cells and Distributed Antenna Systems across the state as a part of AT&T's Project Velocity IP, a three-year investment plan announced last fall to expand and enhance its IP broadband networks. The company also expanded and enhanced its 4G LTE network, which provides ultra-fast mobile Internet speeds, and deployed new Wi-Fi hot spots.These investments help to ensure that Massachusetts residents continue to receive the best possible experience over the AT&T network, whether at home, at work or on the go. The great performance of AT&T's 4G LTE network, now the nation's fastest and most reliable, continues to be validated:-- AT&T now 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.** -- Meanwhile, 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 1st 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 - sweeping the top rankings in all six U.S. regions from coast to coast: Northeast, Southeast, North-Central, South-Central, Northwest and Southwest.****"Fast, reliable connectivity is essential to both quality of life and competitiveness at work," said Patricia Jacobs, president, AT&T New England. "No one understands that better than we do, and no one is doing more than AT&T to mobilize a world that works for people in Massachusetts. With initiatives like Project Velocity IP, we're working to ensure that Massachusetts consumers and businesses remain at the leading edge of broadband services."In addition, RootMetrics(R) has awarded AT&T 1st or tied for 1st for strongest overall call, text, and data performance in 66 of 125 national markets - including 3 of 3 in Massachusetts, where AT&T was 1st in Boston, Springfield and Worcester - from January through June this year.*****Highlights of network upgrades completed so far this year in Massachusetts include:-- Launch of AT&T's 4G LTE network on Cape Cod and Martha's Vineyard -- Launch of AT&T Digital Life in the Boston area -- Expansion of AT&T's 4G LTE network to more areas of New Bedford and SpringfieldThe 2013 year-to-date network investment builds on the nearly $550 million that AT&T has invested in its Massachusetts wireless and wired networks from 2010 through 2012.AT&T 4G LTE is now available in multiple areas of the state, including Boston, Cape Cod, Martha's Vineyard迷你倉庫 Springfield and Worcester. Nationwide, more than 225 million Americans have access to AT&T 4G LTE service. By year-end 2013, AT&T expects to cover nearly 270 million people and 400 markets with its 4G LTE network.For more information about AT&T's coverage in Massachusetts or anywhere in the United States, consumers can visit the AT&T Coverage Viewer. For updates on the AT&T wireless network, please visit the AT&T network news page.*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.** Speed claim based on comparison of 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. Limited 4G LTE availability in select markets. LTE is a trademark of ETSI. 4G speeds not available everywhere.*** 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***** Performance rankings based on 125 RootMetrics(R) RootScore(R) Reports, January - June 2013, of 4 national mobile networks that rely on scores calculated from random samples. Your experience may vary. The RootMetrics award is not an endorsement of AT&T. Visit .rootmetrics.com for more details.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/aboutus or follow our news on @ATT, on Facebook at .facebook.com/att and YouTube at .youtube.com/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 news release contains financial estimates and other forward-looking statements that are subject to risks and uncertainties, and actual results may 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 or revise statements contained in this news release based on new information or otherwise.Photo: photos.prnewswire.com/prnh/20120612/DA23287LOGOAT&T Inc.CONTACT: Meaghan Wims, Duffy & Shanley for AT&T New England, (401)278-4434, mwims@duffyshanley.comWeb site: .att.com/儲存
- Aug 14 Wed 2013 13:42
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EDITORIAL: Sen. Murray Is Off-Key
Source: The Columbian, Vancouver, Wash.迷你倉沙田Aug. 13--In an attempt to strike a chord with taxpayers last week, Sen. Patty Murray, D-Wash., instead hit a sour note with a dog-and-pony show.Murray, the chair of the Senate Budget Committee, held a press conference Friday in Seattle, attempting to drive home the impact of across-the-board federal government budget reductions that went into effect in March. Automatic spending reductions of $85 billion were enacted, or at least authorized for gradual implementation.The spending reduction, dictated by the Budget Control Act of 2011 and forced into effect when Congress could not strike a budget deal, is often mislabeled as a budget cut. Rather, the sequester simply reduced the rate of growth in the federal budget."I'm hearing people say it isn't real, that it hasn't had an impact," Murray said Friday. Two weeks ago, on the floor of the Senate, she said: "We've been forced to take a hard look at the numbers -- and exactly what so many important programs and services will look like next year under cuts forced by sequestration, and it isn't pretty."To drive home her point, Murray presented several people at Friday's press conference who have been directly impacted by sequestration. And that is where her assertions demonstrated that she is out of touch with the mood of the general public.First, according to The Seattle Times, there was Sara Simrell, a 36-year-old who was laid off from her $75,000-a-year job at Paladin Data, a software firm in Poulsbo, because of reduced and postponed government contracts. Then there was Jennifer Green, a 26-year-old who works for Madigan Army Medical Center on Joint Base Lewis-McChord, where a furlough is cutting her $35,000 annual salary by 32 percent.There's no doubt that sequestration has adversely impacted Simrell and Green -- as well as thousands of other employees across the nation.迷你倉價錢But the overriding tenor of Murray's presentation is that once you have a federal job -- or a job supported by federal contracts -- you should be safe from harsh economic realities.Nothing could be further from the truth. Sequestration was allowed to go into effect because the public is fed up with the federal government spending money that it doesn't have, spending beyond its budget, and frequently coming to taxpayers insisting that average people sacrifice more and more.Throughout the Great Recession of the past several years, private-sector workers have consistently been faced with the insecurity caused by teetering industries and the specter of staff reductions. To attempt to engender sympathy for federally supported employees facing the same insecurity is an embarrassing misfire on the part of Sen. Murray.Certainly, the sequester has had some impact. Many people are losing jobs or have seen salaries reduced. But if Murray had hoped to make that resonate with the public, she would have been wise to bring out people who have had services cut by the sequester. Hearing testimonials from the homeless or the mentally ill or the infirm -- people whose basic needs are impacted by federal cuts -- would be a more effective manner for describing the impact of the sequester.At the press conference, Brian Thomas, a business owner affected by the budget reduction, praised Murray. "It feels better to know somebody cares," he said, "that she would attend and host an event like this to get the word out, to say, 'What is the pain? How are you doing?'"We'll be more impressed when Murray talks about the pain of people truly in need -- or those who are not reliant upon the federal government for their salaries.Copyright: ___ (c)2013 The Columbian (Vancouver, Wash.) Visit The Columbian (Vancouver, Wash.) at .columbian.com Distributed by MCT Information Services迷你倉庫
- Aug 13 Tue 2013 18:31
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興業關閉信用卡商城 嫁接銀銀平台布局“大電商”?
王冠 張月光互聯網金融大戰,迷你倉出租山雨欲來風滿樓。一方面是民生電商成立掀起波瀾陣陣,另一面卻是興業商城低調退場。近日,興業銀行信用卡網站公告稱,因業務調整,將于2013年8月31日正式關閉信用卡網上分期商城。興業行將退役的網上商城採用較為傳統的B2C平台,主要上架商品以電子產品、生活用品為主。中國銀行、招商銀行、浦發銀行等也設有類似的購物商城,建設銀行還推出了B2B平台善融商務。“電子商務有多種模式,傳統的信用卡網上分期商城,雖依托銀行千萬級的客戶數據,但由於其經營模式受到商城規模有限、特色不鮮明等因素影響,效果未必達到預期,我行也在思考此類業務更好的運營模式。”此前,興業銀行發言人對外解釋稱。銀行系電商因此被市場解讀為“雞肋”。不過,興業此番或許並非“全線退出”,反而很有可能“以退為進”,改頭換面、升級換代以布局互聯網金融。12日晚間,興業銀行相關人士表示,興業銀行將有所為有所不為,放棄自己不擅長的領域,而專注擅長。“興業大電商”猜想一位興業銀行內部人士向本報透露,此番興業關閉信用卡分期商城並非“不做了”,而是“因勢利導”。此前,商城由信用卡部和電子銀行部合推。而在“同業策略調整”的大環境下,該行同業部或將加入原來的合作機構,甚至可能處於主導。“信用卡分期商城資源可能被整合,與原有的銀銀平台理財門戶(.yypt.net.cn)結合,形成層次更分明、內容更完備的真正意義上的電商平台。”上述興業人士表示。另一位興業銀行同業部人士認為,興業銀行有意作出該調整的原因諸多,比如該分期付款商城並未尋找到合適的盈利模式,二是需要集中力量應對互聯網金融格局,三是同業業務調整思路。今年6月末,興業銀行曾在投資者交流會上明確表示,同業業務會及時做一些策略調整,已經開始著手研究,並且開始實施了。興業銀行“銀銀平台”的櫃面互通聯網網點已達約兩萬個。其中一家農商行會員的相關業務負責人說,銀銀平台核心業務主要為三塊:同業存款、結算、代銷理財產品。同時,興業銀銀平台也輸出IT系統和拓寬支付網絡。而與代銷理財產品和拓寬支付網絡有直接關係的,即是被看作銀銀平台核心業務的“理財門戶”。根據本報記者統計,興業銀銀平台理財門戶目前已有123家合作銀行作為會員,包括城商行、農商行、農信社、村鎮銀行幾類,也有股份行。目前,在售產品主要為“理財產品、基金、貴金屬”三大類。在這個平台上,興業銀行提供門戶和平台。“產品則從興業銀行及會員銀行的資金管儲存倉部門採購,也可以到其他銀行甚至其他行業的資金管理部門採購。興業在此鏈條中負責完成風險評估和產品上架,按照一定比例提取銷售完成後的傭金分成。”上述興業銀行內部人士介紹。不過,有關興業銀銀平台與信用卡網上分期商城整合資源的具體方案仍存變數。上述興業銀行人士透露,“有兩種可能性,一是直接將該商城納入興業現有的銀銀平台理財門戶,二是兩者結合成立新的‘類淘寶’網站並進行獨立運營。”銀行電商的掣肘興業信用卡網上分期商城的關閉,或者不是偶然。萬擎咨詢CEO魯振旺認為,包括興業在內,大量信用卡商城運營面臨六大難題。最根本的問題是部分銀行信用卡發卡量較小,用戶基數的不足制約了信用卡商城的發展。以興業銀行為例,2012年年末信用卡累計發卡量為1056萬張,不足招行的四分之一,很多銀行甚至更小。品牌及營銷較弱也是銀行系電商的通病。魯振旺認為,目前銀行信用卡商城的主要營銷方式為短信、郵件及賬單,影響力有限。此外,信用卡商城獲取流量的渠道較為閉塞。一位京東內部人士透露,百度占其流量來源的50.7%,而銀行信用卡商城流量大部分來自于信用卡網銀或信用卡網站內部,總量明顯較少。“與京東、天貓等大型互聯網電商不同,銀行信用卡商城對產業鏈的涉及很少。一方面這些商城沒有物流中心,配送只能靠商家自己;另一方面供應商又必須選擇能夠承受分期付款的商戶。”魯振旺說,在電商紛紛向全產業鏈方向轉型的今天,上述情況會導致成本上升、服務效率低、可控性差等諸多問題。“大部分銀行的信用卡商城投入力度都不足,部門重要性也比較低。銀行的資源和支持力度有限。”前述興業銀行內部人士告訴記者,信用卡商城業務的相關信息甚至沒有出現在銀行年報中。經記者查實,發現包括信用卡商城業務規模最大的招行都未在年報中提及此項業務。投入小導致惡性循環,使銀行信用卡商城無法提高各項服務能力。此外,用戶體驗的細節也制約了信用卡商城的發展。銀行涉足信用卡商城從設計到建站再到運營均缺乏經驗,有部分銀行更是將這一部分業務外包給第三方。魯振旺認為,銀行必須探索同傳統電商差異化競爭的商業模式,充分發揮分期付款、貸款付款的優勢,並且報以足夠的資金和人力投入才能尋求突破。“信用卡商城要麼不做,要麼就好好做,像招行主打3C家電,利用產品標準化且價格較高的特點,還是做出了一定的競爭力,這部分收入占其信用卡商城總收入的85%以上。只有找出這樣明確的競爭思路,一口氣拿出投入的決心來,才能做出特色,解決問題。”迷你倉沙田
- Aug 13 Tue 2013 18:28
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美國修訂GDP核算法的玄機
美國商務部下屬的統計機構「美國經濟分析局」近日宣布,存倉修改對國內生產總值(GDP)核算方法。這個新方法主要根據聯合國最新修訂的第五版國民經濟核算體系(SNA)進行,其中把研究開發以及版權方面的支出計入投資,也將首次把養老金赤字納入統計,合計起來,新核算方法預計使美國GDP提高3.6%。為了支持奧巴馬的財政政策,全球經濟復蘇緩慢甚至停滯情況下,美國只要通過改變了GDP 計算的計算模型,就能憑空增加了相當於比利時一個國家的GDP,如此無本生意,難怪很多經濟學家都質疑,這個變動的背後目的以及是否能更真實反映GDP的成長。把難題藏到桌底許多人還記得,為了幫助金融機構走出金融海嘯泥沼,避免破產,美國政府當時改變了計算那些有毒資產的方法,把盯市(mark to market)變成盯住模型(mark to model),讓這些有問題的資產不需要用市場交易價格(其實當時真的這些有毒資產幾乎沒有交易),而是用模型來計算出價格。有些有毒的資產當時面值100 美元的,可能市場價格只有7、8元,可是模型可以隨心所欲的給銀行「喜歡」的價格,因此還能維持70、80 元的價格,讓當時技術上已經破產的銀行可以死�逃生;加上後來進行的壓力測試,測試結果皆大歡喜,在美國政府進行第一次量化寬鬆QE1,因此造就了09 年4至5月的股市大反彈。當時,筆者還記得也有人質問為什麼要進行這樣的變更,因為用模型而非市場價格來定投資組合的產品,絕對不是投資人或這類產品交易人士能接受的。但當時政府迫於無奈,如果不用這種「空手套白狼」的方法來處理這個問題,可能很多金融機構要破產,因此特別的情況,需要特別的做法。我相信從後來事情的演變,美國避免大規模金融機構破產,世界避免一場大金融災難,美國政府的舉動還是可以了解,甚至投資人還要給美國政府的智慧以及創造力鼓掌,記上一功。美國這次更改GDP 的計算方式,真的只是美國的「灌水」之舉嗎?也許在外行看來,美國的這一舉動就是為了提振經濟信心而變的「戲法」,很像當年的把盯市改成盯住模型;但在經濟學家看來,卻是事關GDP 統計方法論的大事,有可能顛覆歷史。轉向無形資產投資模式這次美國GDP 計算方法的調整,主要是在「無形資產」就是那些能呈現「軟實力」的投資,包括智慧財產權產品在內的「無形資產」,首次被納入美國的經濟核算體系,輿論認為這是美國經濟對創新價值的高度重視。但問題在於這些無形價值的投資有時候很難估計其價值或量化其投入。據美國經濟分析局主管國民經濟核算的官員布倫特. 莫爾頓(Brent Moulton)解釋,在美國GDP 的新核算法中,企業、政府和非營利機構的研發費用支出將被視為固定投資;有關娛樂、文學及藝術原創支出也將視作固定投資納入統計資料;另一項類別將包括電影、長期電視節目、圖書、錄音等;再加上包括房屋交易時的多項稅費、固定收益養老金計劃赤字等一一併入計算。也就是說,對GDP 核算方法的修訂,可使2012 年美國經濟總量增加了3.6%。按照估算,把研發支出算為投資,而非生產其他產品的成本,光此一項就對GDP 貢獻了2.5個百分點。我們再結合經濟現實來看當前改變GDP 核算方法之舉。目前,美國經濟復蘇其中一個重要關鍵需要突破的,是盼望實現技術創新,而技術創新無疑仰賴研究與開發(R&D)。美國當前無可否認十分注重研究,但是,按照今次對GDP 核算方法的修訂,把研發開支列作投資而非生產其他產品的成本,顯然也把研發的效果(包括可能最終未能實現的成效)放得太大。畢竟研發的投入能否產生預期的成果,最終是否能帶來經濟的效應還是有問號的。但經濟學家也會回答:如果不能產出比投入要大的經濟成效,那美國大企業老早就停止對研發的投入。因此,筆者同意將研發的投入放在GDP的計算當中。但筆者也認為,目前美國研發對全球經濟的影響,已然較以前的影響或效果變小。譬如說,2000 年前後一段時間,亦即dot com 充滿光彩的日子,由此衍生出了不少的商業機會和新行自存倉,浪潮席捲全球。但發展到目前,dot com 這一板塊顯然已走到了飽和,發展和突破空間有行人止步之感。目前只有Google 、Facebook 等年輕有活力的科網公司還有彈藥去進行大量研發。其他的若不是離開市場就是勉強還在苦撐,根本沒有能力再去支援大量而且昂貴的研發工作。經濟復蘇的困境再看目前研發的熱門點,即流動通訊(mobile)和服務,我們發現,研發的重鎮並非全在美國,而是南韓和日本也佔了相當的比重,台灣也有一些。從這個角度來看,目前在美國進行的研發所造成的資產成果,速度其實沒有政府想像中那麼快速有力。目前蘋果還是智慧手機的龍頭,但隨�喬布斯離開,蘋果的研發以及創新能力已經是大打折扣了。因此我們不禁擔心,除了國防、航空和醫療,美國在其他行業上是否還有明顯的科技優勢?事實上,美國製造業過去二十年已不斷走下坡,而且製造業的成本也愈來愈高。美國能否靠重振製造業來拉動經濟,難免令人存疑。另一方面,美國目前的經濟復蘇,很大程度是靠從國外流進去的投資來拉動。筆者看到,美國國內生產總值的構成當中,其實有一個瞧不清晰的部分,譬如說,國外遊客帶到美國本土的錢,並在當地消費,究竟能否衡量出來?尤其是中國遊客到美國的消費。筆者上周在本欄分析美國聯儲局啟動退市的經濟基礎,提及過去三年, 美國房地產市場共有約1400 萬套二手樓住房成交,其中,中國人資金以不同形式大概購入了約80 萬套,以平均每套住房40 萬美元計算,約2000 億美元資金從中國流進了美國的房地產市場。但照目前的情況看,從中國流進美國的資金估計會有減少之勢,因為未來一兩年,相信習李政府會對境外投資有嚴格的規範,因而私人銀行(private banking)的業務相信也會有萎縮的風險。換言之,中國政府對內地資金「外逃」到美國有抑遏應對。因此,流往美國資金的速度相信會放緩下來。如今美國相當程度依賴海外資金流入的投資來拉動成長,反映美國政府對經濟的管理失去一定的主動權。事實上,從過去三、四年的情況看到,美國經濟的復蘇過程,相當程度依賴這種外來投資的刺激,但本土核心競爭力卻沒有明顯的改進。此外,把娛樂、文學及藝術原創支出也將視作固定投資納入統計資料,筆者認為和研發支出一樣,如果沒有預期的成果或可能的經濟成效,可能比較少人願意投入娛樂、文學及藝術。畢竟現在這一方面的活動,和幾百年前的老祖宗不一樣,當時他們可是為了文學藝術無條件奉獻犧牲卻能創造出幾百年的經濟效應,如蕭邦的音樂和達文西的畫。但現在的難處是如何量化這些文學家藝術家的投入。沒有一個比較明確的指引或市場仲介機制,這些投入或投資很難量化。天使投資的疑惑分析至此,我們看到,美國為什麼要修改GDP 的核算方法。表面上,修訂是每五年一次,但從美國歷史發展經驗看到,美國政府很多的政策改變,其實是用來應對和解決某些關鍵性的發展難題。然而, 「天使投資」(Angel Investment),包括私募基金投到一些專門技能或獨特概念項目的風險資本,對研發未來成果的投資,到底有多少取得實質成果,投入100 元不一定獲得100 元利潤,如何計算回報也有值得商榷之處。而且無形資產(如專利權等)的投資,由此去拉動實體經濟增長,讓人覺得有點取巧。而且這樣做是否完全符合會計ACCA 的準則與精神,顯然也需要進一步加以釐清。在這�我們也不禁覺得難過,中國幾千年來的智慧結晶,很多都被破壞了,如果中國GDP 能包含這些元素,相信官員在處理文化遺產、歷史古�,一定會更加小心。不會隨隨便便為了一個地產項目就把上百年的古屋就給拆了。在文革當中被破壞的歷史文物太多了,在北京故宮也有很多文物不翼而飛。阿富汗的塔利班用了幾公斤的炸藥就把上千年的巴米揚佛像給炸了。現在回過來想,蔣介石當年把許多故宮的文物「偷運」到台灣,現在很多國內的遊客到台北故宮才能看到「翠玉白菜」和「肉形石」,不知不覺蔣介石幫台灣增加不少GDP。香港科大商學院財務系客座教授、香港東華學院商學院財務教授顏至宏迷你倉新蒲崗
- Aug 13 Tue 2013 18:22
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環球財經觀察 英央行首次正式推出前瞻性貨幣政策指引 為英國經濟複蘇隨時做好“刺激準備”
王勇8月7日,迷你倉新蒲崗英國央行首次正式推出前瞻性貨幣政策指引,宣佈將維持當前0.5%超低基準利率和量化寬鬆政策,直至英國失業率降至7%以下。筆者認為,這是馬克·卡尼正式出任英國央行行長後在貨幣政策方面所燒的“第一把火”,旨在指引英國經濟盡早擺脫困境,走向複蘇,步入良性循環的軌道,避免發生惡性通脹。金融危機以來,英國經濟飽嘗持續低迷之苦,虛擬及實體經濟均受到嚴重衝擊,在2012年之前,經濟已經歷了兩次衰退過程。而且,隨著經濟形勢惡化,英國失業率不斷攀升,又使經濟增長缺乏動力。去年,得益于奧運會的舉辦,才使三季度英國經濟微增0.9%,但在隨後的第四季度中再度陷入萎縮,全年經濟增速僅為0.2%。目前,英國公共債務超過1萬億英鎊,約占國內生產總值的70%。近幾年來,經濟不景氣與通脹並存,已經造成人均收入持續下跌;人均收入的下跌,反過來對經濟複蘇和就業形成制約。據英國國家統計局的最新數據顯示,英國的國民人均收入自2008年金融危機形成經濟衰退以來,至今已經下跌13%。去年通脹率最高點達到5.2%,蠶食了人們的收入購買力。自金融危機于2008年9月份升級以來,英國央行已採取前所未有的措施保護英國經濟。2012年年底,多個國際權威機構預計2013年英國疲軟的經濟狀態會進一步加劇,而且面臨的困難依然不少。第一,經濟不振將使英國政府抹平赤字的努力更加艱辛,英國的預算預計至少要到2016-2017財年才能實現平衡。第二,產業結構扭曲,支柱產業服務業的發展或將進一步萎縮。第三,市場需求不振將拖累英國經濟增長。第四,日趨疲軟的企業投資和不充分的就業市場又將成為經濟發展的一大軟肋。第五,英國經濟實力和國際地位的雙重下降,加之政府債務負擔持續走高、多個國家宣稱脫離英聯邦、英國民�要求脫離歐盟的呼聲越來越高等,都將阻礙著英國經濟穩定增長。實際上,進入今年以來,英國經濟逐漸顯露出複蘇跡象。4月25日,英國國家統計局公佈數據稱,今年第一季度英國國內生產總值環比增長0.31%,增幅高于市場普遍預期的0.1%,從而避免了在過去五年裡出現第三次衰退。7月25日,英國國家統計局公佈數據顯示,今年第二季度,英國國內生產總值環比增長0.6%,增幅比前一季度翻番。這表明英國經濟複蘇勢頭進一步得到鞏固,而且,實體經濟的活躍度已不同程度增強。幸運的卡迷你倉出租一上任就遇到了英國實體經濟的溫和反彈,且國內大多數金融機構步入去杠杆化的晚期,資產負債表狀況得到改善,金融市場風險處在金融危機以來最低水平。而卡尼超凡的膽識以及其卓越的央行領導能力,又使其在7月1日正式出任英國央行行長時,分析家們就能信心滿滿地預測,英國央行將逐漸開�一個新的貨幣政策時代。果不其然,卡尼剛一上任,就在7月4日吹響了貨幣政策框架改革的號角。英國央行當天宣佈,將基準利率維持在0.5%的歷史低點,並保持量化寬鬆規模3750億英鎊不變,這一立場符合市場預期。如今,卡尼上任滿月不久,就正式推出前瞻性貨幣政策指引。卡尼說,物價穩定仍是央行貨幣政策的主要目標。如果出現以下三種情況,央行將終結上述前瞻性指引,即未來18至24個月內,英國通脹率不能回落至2.5%左右;中期通脹率預期出現惡化,未能回落至目標值2%附近;金融市場穩定因超低利率水平而受到威脅。相反,若上述經濟預期能夠達到,那麼英國央行或會進一步擴大量化寬鬆規模,直至失業率降至7%。英國央行現行量化寬鬆政策的購債規模仍為3750億英鎊。筆者認為,推出前瞻性貨幣政策指引,意味著英國央行或將效仿美聯儲,摒棄嚴格的通貨膨脹單一目標制,設定包括名義國內生產總值增長率在內的更具有指引性的貨幣政策中期目標。換言之,該行將為英國經濟複蘇隨時做好“刺激準備”。因為,盡管今年以來英國經濟複蘇形勢好轉並且複蘇勢頭正在逐漸鞏固,但這並不意味著英國經濟和金融系統從此可以高枕無憂。畢竟,1%以下的經濟增速遠遜于英國在金融危機前的平均水平,國內失業率又一直處在8%左右的水平。另外,目前歐元區債務危機尚未有完全平息的跡象。同時,中期增長展望仍受一些因素制約,包括國內需求仍顯不足、實際通脹率長期處於央行通脹目標值上方、勞動生產率處在較低水平等。不過,自金融危機以來,英國央行已經實施了數年的非常規貨幣政策,流動性過剩問題也不得不考慮。英國央行還是應密切觀察英國經濟發展動態,一旦將英國經濟引入良性循環的軌道,量化寬鬆貨幣政策必須適時退出,讓寬鬆貨幣政策終有休止時刻,進而為機構和個人的中期決策提供一個相對穩定的貨幣政策環境。而馬克·卡尼也深刻認識到了這一點,所以,才果斷推出前瞻性貨幣政策指引。不能不說,馬克·卡尼這種進可攻、退可守的前瞻性貨幣政策,的確很有深意並極具戰略意義。儲存倉
- Aug 13 Tue 2013 18:11
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Shekel weakens against dollar
Source: Globes, Tel Aviv, IsraelAug.自存倉 12--The shekel has weakened against the dollar, but strengthened against the euro in morning inter-bank trading today. The shekel-dollar exchange rate has risen 0.22 percent, compared with Friday's representative rate, to NIS 3.538/$, but the shekel-euro exchange rate has fallen 0.18 percent to NIS 4.715/?. The shekel-dollar exchange rate is still at a two-year low.FXCM Israel said today, "The shekel-dollar exchange rate fell last week to NIS 3.52/$, its lowest level since August 2011, because of the dollar's weakness in international markets, and the lack of response by the Bank of Israel. The fall below the May 2013 low of NIS 3.545/$, when the Bank of Israel began supporting the exchange rate, caused a flood of orders to cut losses on buy positions. The shekel-dollar exchange rate has apparently not yet hit bottom, and could continue to slide to the next support level of NIS 3.50/$."FXCM adds, "From the long-term technical perspective, the long slide from the high of NIS 4.09/$ in July 2012 occurred in five step迷你倉新蒲崗, which may signal that we're close to the end of the drop and the start of an major upward correction. This does not mean that the bottom has been set, but it is definitely possible that any movement toward NIS 3.50/$ will signal the end of this long slide."Atrade says today, "A fall below NIS 3.50/$ will cause the shekel-dollar exchange rate to fall toward NIS 3.45/$. Exporters will probably strongly urge the Bank of Israel because the further strengthening of the shekel causes them severe harm. A further drop in the shekel-dollar exchange rate will greatly damage the Israeli economy and cause a jump in unemployment. The first task of the next governor, who is due to take up office soon, will be to stem the strengthening of the shekel at any price, but when the dollar looks very sickly in international markets, this task will be hard to the point of impossible."Copyright: ___ (c)2013 the Globes (Tel Aviv, Israel) Visit the Globes (Tel Aviv, Israel) at .globes.co.il/serveen/globes/nodeview.asp?fid=942 Distributed by MCT Information Services迷你倉出租
- Aug 13 Tue 2013 18:05
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Information Services Corporation Declares First Quarterly Dividend
REGINA, Aug.儲存倉 12, 2013 /CNW/ - The Board of Directors of Information Services Corporation ("ISC" or the "Company") today announced that it has established a policy of paying an annual dividend of $0.80 per Class A Limited Voting Share ("Class A Share") to be payable on a quarterly basis. The payment of dividends is not guaranteed, and the amount and timing of any dividend payable by the Company will be at the discretion of the Board and established on the basis of the Company's cash available for distribution, its financial requirements and other factors existing at the time.In that regard, the Board of Directors of ISC declared an $0.18 per Class A Share quarterly cash dividend at their August 12, 2013 meeting. The dividend, which represents a partial dividend for the period July 9, 2013 (the closing date of the Company's Initial Public Offering) to September 30, 2013, will be paid on or before October 15, 2013 to shareholders of record as of September 30, 2013.ISC is a provider of registry and information services to the Province of Saskatchewan. The Company is the exclusive provider of the Land Titles Registry, Land Surveys Directory, Personal Property Registry and Corporate Registry in Saskatchewan, which are key supporters of economic activity in the province.Forward-looking Information: This release contains forward-looking information within the meaning of applicable Canadian securities legislation, including information with respect to ISC's policy of paying dividends on a quarterly basis and factors that may affect such policy such as available cas迷你倉沙田 for distribution, financial requirements and other factors. Forward-looking information involves known and unknown risks, uncertainties and other factors that may cause actual results or events to differ materially from those expressed or implied by such forward-looking information. Although ISC believes the forward-looking information contained in this release is based upon reasonable assumptions, readers are cautioned not to place undue reliance on forward-looking information as it is inherently uncertain and no assurance can be given that the expectations reflected in such information will prove to be correct. Many factors and risks could cause our actual results to differ materially from those expressed or implied by forward-looking information including those detailed in ISC's Final Prospectus dated June 27, 2013 as well as other documents filed by ISC with Canadian securities regulators through SEDAR (.sedar.com) from time to time. You are cautioned not to place undue reliance on forward-looking information of ISC. Investors and others should carefully consider the above-noted factors and risks and other uncertainties and potential events. The forward-looking information in this release is made as of the date hereof and, except as required under applicable securities legislation, ISC assumes no obligation to update or revise such information to reflect new events or circumstances.Information Services CorporationCONTACT: MEDIA CONTACT:Colleen Hawkesford306-787-3097colleen.hawkesford@isc.caINVESTOR CONTACT:Colleen Vancha306-798-1137colleen.vancha@isc.ca迷你倉價錢
- Aug 13 Tue 2013 17:55
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雅安銀行業金融“血液”向“毛細血管”輸血
記者吳迪將金融“血液”輸送到當地經濟發展的“毛細血管”———小微企業,文件倉讓災區企業和群�儘快恢複生產生活,這成為雅安銀行業心頭最急切事情。“我們積極引導銀行機構向小微企業靠前服務”,雅安銀監分局主要負責人介紹,該分局在震後要求各銀行儘快摸清小微企業的災情和資金需求,及早制定災後信貸措施,支持小微企業盡早恢複經營。當地銀行業及時開展回訪,摸清受損情況,按照特事特辦、快事快辦的原則,出台優惠政策,加快信貸流程,為受災小微企業“雪中送炭”,幫助企業走出困境。在重災區寶興縣,一家光伏刃料公司向寶興農信社申請217萬元的銀行承兌匯 票貼現。該聯社迅速指導、協助客戶,從企業申請到完成貼現僅用了不到2天時間,第一時間解決了企業恢複生產的資金需求。在震中蘆山縣,從事棉、化纖紡織加工銷售的蘆山縣湘鄰紡織有限公司廠房設備損毀嚴重,損失近6000萬元,資金需求迫在眉睫。蘆山縣農信社瞭解這一情況後,開通綠色通道,向該企業發放280萬元信用貸款,協助該企業解決員工工資、設備重置和短期運營的難題。蘆山信存倉社主任高志強說,“廠房完全報廢,按傳統標準,該企業根本不具備貸款能力。但這個企業盈利能力強,注入資金能很快恢複生產,並且現在是特殊時期,我們願意承擔這個風險。”雅安熊貓乳業有限公司作為市重點農業產業化龍頭企業,災後重建急需資金。郵儲銀行雅安市分行得知情況後,一方面向上級爭取特殊政策的支持,另一方面幫企業想辦法解決抵押資質問題,最後給企業發放了1000萬元流動資金貸款。有了這樣的“雪中之炭”,熊貓乳業資金周轉迅速暢通。雨城區農信社作為全省第一批引進小企業信貸先進技術的試點單位,把技術活學活用到支持災區中去。該社篩選出茶葉加工、建材家居、汽車貿易、商超供應鏈、服裝皮革5個目標市場,自主研發推出兩款創新產品———“汽車合格證質押貸款”和“茶葉加工銷售業貸款”,前者有效解決了汽車行業抵押物不足值、融資困難等難題,後者則利用行業特點,打破了茶葉加工企業的融資瓶頸。上半年,雅安銀行業共向1.5萬戶小微企業發放貸款,貸款餘額較年初增長22.86%,高于全部貸款平均增速的11.44個百分點。自存倉
- Aug 13 Tue 2013 17:47
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《外地經濟》星展:美國最快下月減少買債,日本消費稅加幅或降 (10:04
《經濟通通訊社13日專訊》星展銀行(香港)財資市場部大中華區執行董事王良享於電台節目表示,文件倉美國聯儲局主席伯南克即將離任,來屆人選仍未落實,伯南克為防泡沫爆破,預早放出退市消息。現時量寬中,2萬多億美元流入銀行作為儲備,實為政治炸彈,若未來資金流入實體經濟,則問題不大,惟擔心資金將用作投機。 他預期,美國聯儲局將於本年9至12月開始逐步減少買債,並相信美國失業率能在10至11個月內降至7%的預期水平,相信美聯儲減少買債步伐,每次將減150億至200億美元,分5次於議息會議後進行。 而美國聯儲局主席新人選方面,民主黨支持鴿派的耶倫出任,總統奧巴馬則屬意由薩默斯出任,耶倫主張維持量寬政策,而薩默斯則較願意進行退市。王氏認為,市場較願意由作為女性的薩默斯上任,而華爾街則未必願意讓女性擔任聯儲局主席,加上華爾街偏向市存倉流動及波幅較大,希望耶倫上場減低聯儲局政策的連貫性。 日本方面,首相安倍晉三繼續推動量寬政策,但近期數據指出,日本GDP增長2﹒6%,遠低市場預期的3﹒6%,國債達到1000萬億日圓。王氏預期,日圓短期匯價將維持於95至100,因美元短期弱勢,令日圓匯價走強。他預料,日本將維持弱日圓政策,以提高企業投資信心,若日圓升至95以上,日本將增加量寬幅度。他相信,日圓已非新興貨幣,若因債務問題而被降低評級,對其影響亦不大。 日本調高消費稅將於下年4月實施,王良享表示,相信增幅仍有待相確,早前市場預計增幅為3%至5%,但近期日本的資本投資速度較低,加上外貿出現赤字,相信消費稅增幅可減至1﹒5%至3%。 王氏預期,歐洲將維持量寬政策,經濟逐步好轉,繼續買債,並維持超低利率,他相信,歐盟將不會推出負利率,避免資金流走。(mc)自存倉