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剛剛憑借餘額寶攪動互聯網金融一池“春水”的阿里巴巴，迷你倉沙田如今又將觸手伸向銀行信用卡這塊誘人蛋糕。有媒體報道稱，在延遲了近四個月之後，阿里金融有望在本周推出針對支付寶個人用戶的信用支付服務。互聯網金融搶奪傳統金融市場的步伐正在提速。最高透支5000元據報道，阿里金融將推出的信用支付業務，可讓用戶使用支付寶付款不用充值，甚至不用再綑綁銀行信用卡或者儲蓄卡，就能夠直接透支消費，支付手續費由商戶或客戶自行承擔，費用在0.8%-1%之間，根據用戶等級，信用額度最高可達5000元，最長享受38天免息，逾期後實行基準利率50%的罰金。貸款資金全部由合作銀行提供，阿里巴巴旗下重慶商誠擔保公司提供全額擔保並承擔全部風險。銀行業：衝擊有限對於阿里巴巴即將推出的信用支付，業界擔憂阿里金融全新的金融版圖是否將會對銀行業務構成衝擊。不過，整體來看國內銀行業仍持謹慎樂觀態度。“銀行的客戶與淘寶的重合度實際上相當有限。而且客戶家裝、購車、出國購物等大頭支出仍需要用銀行信用卡。”招商銀行信用卡中心相關人士表示，金融創新產品可以取代和撼動的，“阿里金融此番推出信用支付思路與以前的餘額寶思路一致，即用互聯網思維做金融，一方面其提供的最大額度也就5000元，另一方面，由於只能在淘寶系網站購物因此並不會對傳統信用卡造成衝擊。不僅如此，通過合作，銀行也能夠反過來得到阿里的客戶。”互聯網金融創新激戰正酣事實上，支付寶與天弘基金在6月推出互聯網理財產品餘額寶，便拉開了互聯網金融大戰的序幕。除即將面世的信用支付外，包括巨人、生意寶等多家互聯網公司在金融創新方面的探索。此外，騰訊、新浪等互聯網公司也在第三方支付方面動作頻頻。騰訊在上周正式上線的微信5.0版本加入了支付功能。有業內人士分析稱，一度推遲四個月信用支付業務在此時即將面世或與微信支付有關。據瞭解，微信支付目前可以用于手機充值、網上訂餐、微信團購等，用戶只需關注特定的企業賬號，就能從中獲取自己想要的商品和服務，並完成付款。其強大的掃一掃功能，可以讓用戶通過掃描商品二維碼或條形碼，就能實現對商品的線上比價和購買。“很顯然，微信支付的推出對淘寶的支付形成衝擊。”據一位電商業內人士分析稱，這正是淘寶此前切斷微信數據接口的重要原因。阿里金融在此時推出信用支付業務，其意圖無疑是要捍衛自己在行業的領先者地位。（燕慶）【透視】“網絡信用卡”猶抱琵琶半遮面 傳統銀行面臨新挑戰盡管支付寶信用支付尚未正式推出，但在消費者和業內人士看來，“網絡信用卡”的上線只是早晚迷你倉價錢問題。而繼“餘額寶”之後，傳統銀行將再次面臨新挑戰。移動支付或成為主流手段艾瑞咨詢統計數據顯示，２０１２年中國移動購物市場交易規模突破５００億元，和２０１１年相比大幅增長３８０．３％。不少業內人士認為，隨著新一代消費者消費習慣的改變，移動支付或成為中國主流支付手段。“信用支付正是迎合了大�移動支付的需求。”據支付寶工作人員朱健介紹，信用支付業務目前僅對手機、平板電腦等無線端開放，放款和還款都是通過支付寶通道。回憶原招商銀行行長馬蔚華曾提出“消滅”信用卡，取而代之的是將信用卡和手機融為一體，如今信用支付業務的推出又向前邁進了一步。部分銀行業人士認為，更值得注意的是以阿里巴巴集團為首的互聯網企業手中所掌握的龐大客戶信用狀況資源。目前僅支付寶註冊賬戶數就達８億戶，曆年來所積累的交易記錄可清晰地分析出每一個客戶的信用數據。“金融業的核心就是信用，而阿里掌握最為準確的就是這一點，同時這些數據是別人沒有的。”齊魯證券董事長李瑋說。變革倒逼銀行業轉型升級“現階段，傳統銀行是金融中介，互聯網在其中充當工具。”任職國家開發銀行的連冠說，“即使是網絡交易，消費者和商家都是通過銀行，他們仍是銀行的客戶。”不過支付寶信用支付或帶來新的變化。據瞭解，信用支付由阿里巴巴提供個人信用數據，銀行提供資金，如出現逾期，阿里金融負責催收。“這轉變了互聯網企業與傳統銀行的角色。”連冠認為，“消費者和商家都成為互聯網企業的客戶，企業從銀行擔保為他們提供貸款，逾期也由企業催收，傳統銀行不再擔任主導型的金融中介。”在興業銀行負責金融借貸多年的王珂認為，互聯網金融模式的完善會不斷提升傳統銀行的金融業務絕對值，但其面對的客戶將越來越少。“極端地講，未來所有的消費者和商家可能都成為某個大型互聯網企業的客戶，而銀行的客戶只剩下一個，即這個互聯網企業。傳統銀行如不尋求突破升級，將來很可能面臨邊緣化。”“任何行業的終極目標都是佔有更多客戶，而客戶的終極目標則是選擇更為優質和便捷的服務。”王珂說，“面對移動支付和互聯網金融的大潮，互聯網企業自行建立的信用體系發揮了很大作用。在為客戶提供更優質便捷的服務上，互聯網企業具有先天的優勢。”２７歲的ＩＴ從業者徐肖南認為，未來，也許通過手機終端就可以完成所有的交易，通過掃描二維碼等識別方式獲得ＶＩＰ服務，打折卡將不再存在我們的錢包里。“傳統銀行想要留住新一代的消費者，應該研究新一代客戶的消費習慣，滿足其心理和需求，才能留住他們的心，從而留住他們的錢。”（高潔 李放）迷你倉庫

NEW YORK, Aug.迷你倉新蒲崗 12, 2013 /PRNewswire/ -- Reportlinker.com announces that a new market research report is available in its catalogue:Life Bancassurance in the Asia-Pacific Region: Protection-Related Life Insurance.reportlinker.com/p01595251/Life-Bancassurance-in-the-Asia-Pacific-Region-Protection-Related-Life-Insurance.html#utm_source=prnewswire&utm_medium=pr&utm_campaign=Life_InsuranceWhat is the research?Finaccord's report titled Life Bancassurance in the Asia-Pacific Region: Protection-Related Life Insurance offers uniquely detailed insights into the distribution by banks and other lending institutions of risk life, critical illness and income protection insurance across eight countries: China, Hong Kong, India, Indonesia, Japan, South Korea, Thailand and Vietnam.Drawing on a survey of over 470 banking entities, the study finds that 45.0% offer at least one of the types of protection-related life insurance researched, giving a total of 390 initiatives in the three fields combined. Hence, given that the aggregate market for protection-related life insurance across the eight countries, excluding creditor cover, is worth around USD 84.8 billion, it is clear that banks and other lending institutions can intermediate a significant volume of business in this sector.In addition to identifying the schemes for distribution of protection-related life insurance through the bancassurance channel, the research also classifies and analyses these according to the operating model used, distinguishing, for example, between captive, joint venture and external underwriters. Furthermore, it also calculates the weighted share of partnerships of the underwriters and other product providers involved, thereby illustrating not only which competitors hold which partnerships but also which competitors hold the most significant distribution deals.What methodology has been used?The majority of Finaccord's survey of the provision of protection-related life insurance by banks and other lending institutions in the Asia-Pacific region was carried out on a rolling basis between July 2012 and February 2013, and focused on all significant banking entities in each country. The research embraced the following information:-- whether risk life insurance, critical illness insurance and income protection insurance are available to customers;-- if so, how... through an external underwriter, multiple external underwriters, an external broker, a captive broker, a joint venture underwriter, a captive underwriter or a combination of these approaches?-- if so, who are the product providers?Combined with Finaccord's unique and proprietary quantification of the size and growth of the market for protection-related life insurance in each of the eight countries, with accompanying commentaries concerning the constituent product segments, this is the most thorough and comprehensive research into this subject ever published.What is the report structure?Executive Summary: providing a concise evaluation of the principal findings of the report.Introduction: offering rationale, description of methodology and definitions.Regional Overview: this includes quantification of the size and growth of protection-related life insurance across the eight countries, an analysis of the rates of provision of risk life, critical illness and income protection insurance by banking entities, an investigation into the operating models used, and a unique and valuable snapshot of the weighted share of partnerships for these products across the region as a whole. This latter analysis indicates which providers of protection-related life insurance have established the distribution partnerships with the greatest sales potential.Specific country chapters (eight): an in-depth investigation into the distribution of risk life, critical illness and income protection insurance in each country including an introduction to the banking sector, national market size and growth data for the category of protection-related life insurance as a whole, commentary concerning the overall importance of bancassurance as a distribution channel, analyses of operating models used by banks and other lending institutions that are active in these fields, computation of the weighted share of bancassurance partnerships among product providers in these countries, and data illustrating the size and growth of key bancassurance competitors.What are the key features of the research?Key features of this report include:-- analysis of a combined total of 390 partnerships for the distribution of risk life, critical illness and income protection insurance through banking entities across eight Asia-Pacific countries;-- identification of the providers used by the 215 banks and other lending institutions that are active in one or more of these areas;-- a unique computation of the importance of bancassurance partnerships for every country and for the Asia-Pacific region as a whole: each partnership is weighted by the number of retail customers that each bank has, to illustrate which competitors hold the most significant relationships;-- discussion of the importance of bancassurance as a channel in each country, with data for the market shares of leading captives, joint ventures and other key bancassurance underwriters;-- quantification of the size, segmentation and growth of gross written premiums for protection-related life insurance in each country across a five-year time frame.How can the research be used?You may be able to use this report plus the PartnerBASE(TM) dataset and market data annexe that accompany it in one or more of the following ways:-- gain access to a source of information that provides a comprehensive overview of the provision of protection-related life insurance by a majority of significant banking entities in these eight countries in the Asia-Pacific region;-- identify partnership opportunities for protection-related life insurance that may arise either because a banking institution is not currently active or because there is scope for replacing an existing initiative;-- understand which product providers have been successful in establishing distribution relationships with the most important banking entities;-- assess the background to the most significant bancassurance deals, including those that involve major international competitors such as AEGON, Ageas, AIA, AIG, Allianz, Aviva, AXA, BNP Paribas, Cigna, Dai-ichi Life, HSBC, ING, Manulife, MassMutual, MetLife, MS&AD, Prudential, Standard Life, Sun Life Financial and Zurich.Who can use the research?1.Insurance companies: this study is a uniquely comprehensive guide to a major segment within the bancassurance market of eight Asia-Pacific countries that can be used to identity partnership opportunities and to monitor competitor activity;2.Banks and other lending institutions: the research will help banking entities to understand how their bancassurance strategy compares to that of other comparable institutions both in their domestic market and across other key Asia-Pacific countries;3.Management consultancies: are you helping an insurance company or bank with its bancassurance strategy in the specific field of protection-related life insurance? Understand the current status of bank distribution of risk life, critical illness and income protection insurance in the Asia-Pacific region, saving time and effort on researching the subject yourself;4.Investment banks and private equity companies: with some banking and insurance institutions under financial pressure, this research may be useful to understanding where there is scope for them to divest captive or joint venture providers in order to raise capital.What are some of the key findings?Key findings from the executive summary include:-- the approximate value of the market for protection-related life insurance across the eight countries investigated, excluding creditor cover, was USD 84.8 billion in gross written premiums in 2012, within which South Korea was the largest market accounting for USD 26.9 billion of the total;-- Hong Kong, Thailand and Indonesia were the fastest-growing markets between 2008 and 2012 in real terms, with compound annual growth rates of 13.9%, 11.9%, and 11.3% respectively, once inflation has been discounted;-- an analysis of the weighted share of ultimate holding companies (i.e. groups) with bancassurance partnerships for protection-related life insurance indicates that China Life is the leading group by this measure across the eight Asia-Pacific countries under consideration, with ING the leader among multi-national insurers;-- however, the international insurance group with bancassurance relationships for these products across the largest number of countries among those researched is Aviva, which was found to have established deals with banks in six of the eight countries.0.0 EXECUTIVE SUMMARY 1The total market is worth almost USD 93 billion in gross written premiums across eight countries 2... within which non-creditor policies account for over 90% of the total value 2Real inflation-adjusted growth rates are highest in Hong Kong, Indonesia and Thailand 4Bancassurers' distribution share of protection-related life insurance exceeds 30% only in five countries 545% of entities surveyed have a partnership for at least one type of protection-related life policy 6The largest banks in China, Japan and South Korea typically collaborate with multiple partners 6Aviva is active in this area of the bancassurance market in six of the eight countries researched 81.0 INTRODUCTION 9What is this report about? 9Distribution partnerships with banks and other lending institutions constitute the focus of this report 9Rationale 9Nearly half of banking organisations surveyed sell at least one type of the products covered by this report 9Methodology 10Survey of banks and other lending institutions 10Market data 12Definitions 12Risk life insurance 12Critical illness insurance 12Income protection insurance 13Weighted provider share of partnerships 13Operating models 13Abbreviations and exchange rates 14PartnerBASE(TM) and market data annexe 14Finaccord 152.0 ASIA-PACIFIC OVERVIEW 17Introduction 17Market analysis - protection-related life insurance 17The combined market across eight countries grew by 5.3% in nominal terms between 2008 and 2012 17In real terms, the market of Hong Kong showed the most rapid growth between 2008 and 2012 19Non-creditor insurance makes up more than 90% of total protection-related life insurance 20Per capita premiums for protection-related life insurance vary widely across the eight countries 23Bancassurance analysis 24Provision rates and operating models for risk life insurance 24Banking entities in India were found to offer stand-alone risk life insurance most frequently 24Many partnerships are set up in conjunction with a single external underwriter 24...though the utilisation of multiple partners is preferred in three major countries 24When viewed on a weighted basis, the use of multiple external partners becomes more prevalent 27Provision rates and operating models for critical illness insurance 30The provision rate for stand-alone critical illness insurance is highest in Japan 30Provision rates and operating models for income protection insurance 36Income protection insurance is fairly widespread in Japan but a niche product type elsewhere 36Where offered by banks, it is usually sourced from a single, external underwriting partner 36...and use of this operating model is even more pronounced on a weighted basis 39Distribution share of bancassurance for protection-related life insurance 41Finaccord's analysis illustrates the influence of bancassurance on a standardised basis 41Banks have made least progress as distributors of protection-related life insurance in Vietnam 4Presence of international groups in the Asia-Pacific bancassurance market 43Insurance groups operating in China and South Korea are especially visible in the partnership analysis 43...with several international providers visible among the top eight groups 43Aviva is present in six of the eight bancassurance markets under consideration 45... with AIA, Allianz, MetLife and Prudential each present in five 453.0 CHINA 46Banks and other lending institutions covered 46Introduction to the banking sector 46Agricultural Bank of China lays claim to the highest number of retail customers in China... 46...while ICBC is the largest bank by assets 47The joint-stock commercial banks provide a full range of banking services 47...while many city commercial banks have expanded into other regions 48The rural commercial banks were created to improve access to credit for China's village-dwellers 48Foreign banks in China suffer from a lack of funding from retail deposits 49Doubts about the level of bad loans that may be lurking in the economy hang over the banking sector 49Introduction to bancassurance 49Bancassurance in China has grown extremely rapidly in recent years 49...but new regulations introduced in 2010 seem to have disrupted the expansion 50...while further regulatory notices issued in 2011 are meant to cut down on bribery and mis-selling 50Relationships between banks and insurers have often been weak and sometimes short-lived 51...as joint ventures between banks and insurers appeared late and remain relatively rare 51...although there are signs that large financial conglomerates may develop in the foreseeable future 51Market size and growth of protection-related life insurance 52Protection-related life insurance grew by a compound average rate of 16.4% between 2008 and 2012 52The market for term life insurance is traditionally limited but now being boosted by micro-insurance schemes 53Critical illness insurance is an important product in China and often helps to meet medical expenses 54Distribution share of banks 54Bancassurance sales for life insurance have soared but new rules have restrained further growth 54Bancassurance provision rates, operating models and partnerships 55Risk life insurance 55More than a third of Chinese banks promote some form of risk life insurance 55China Life is the leading provider by weighted share of partnerships 55...while Ping An can also count on a large number of national agreements 55Taikang can also count on a large number of national agreements 56Allianz China Life is collaborating with two of the 'big four' banks and three foreign lenders 56The Shanghai branches of Bank of China collaborate with Manulife-Sinochem Life 57CPIC has a large number of partnerships with smaller banks in China 57...while Sun Life Everbright has struck agreements with four medium-sized lenders 57While agents provide the main channel for CITIC Prudential, its sales through banks have also grown 58China Post Life can sell its policies through the Postal Savings Bank of China and the postal network 58Heng An Standard Life was slated for sale to Bank of China in 2010 but the deal broke down 58China Construction Bank's partnerships tend to be mostly determined at the local or provincial level 59Critical illness insurance 61Bancassurance agreements for critical illness insurance normally involve a single external underwriter 61Taiping gains access to rural citizens through its alliance with the Postal Savings Bank of China 61Income protection insurance 63Chinese banks are not involved in the marketing of income protection insurance 63Performance of key bancassurance underwriters 63HSBC Life's income from bancassurance sales accounts for 85% of its entire business... 63...while ING-BoB Life signed its first agreement with Bank of Beijing in Tianjin in June 2011 634.0 HONG KONG 64Banks and other lending institutions covered 64Economic background 64The service industry dominates Hong Kong's economy 64...and in terms of ease of doing business the SAR ranks second in the world by one measure 64Introduction to the banking sector 65Hong Kong's banking sector was liberalised in the early years of the 21st century 65While the Bank of China is the largest bank in terms of its number of retail customers 66...HSBC is the largest group in the SAR by the same measure 66The banking sector is highly consolidated 66Introduction to bancassurance 67Bancassurance in Hong Kong is well-developed, in particular for life and health insurance products 67A large number of banks have set up captive insurance subsidiaries 67The Hong Kong Monetary Authority might tighten bancassurance regulations 67Market size and growth of protection-related life insurance 67Protection-related life insurance represents only a small part of the total life insurance market 67Critical illness insurance is often bundled with protection-related life insurance products 68Distribution share of banks 69Banks play a significant role in the distribution of protection-related life insurance 69Bancassurance provision rates, operating models and partnerships 69Risk life insurance 69Nearly two thirds of Hong Kong's banking institutions promote some form of risk life insurance 69In terms of weighted partnerships, BOCG Life also leads the market for risk life insurance 69Hong Kong Life was set up as a joint venture between four banks and one insurance provider 70... while ING Life and Public Bank entered into a strategic partnership in 2007 70Aviva's partnership with DBS Bank is part of a pan-Asian alliance 70Critical illness insurance 72Critical illness insurance is often bundled with other types of cover 72BOCG Insurance offers critical illness cover as part of a comprehensive medical protection plan 72China Construction Bank and QBE have set up a joint venture underwriter 72Income 迷你倉出租rotection insurance 74Only three banking institutions are offering this form of cover in Hong Kong 74Performance of key bancassurance underwriters 76The two largest life insurance providers in Hong Kong are owned by banks 765.0 INDIA 77Banks and other lending institutions covered 77Economic background 77India's economy has performed very strongly in recent years 77... and was relatively unaffected by the global financial crisis 78... although it still faces many significant problems 78In the World Bank's Ease of Doing Business Index, India is ranked only 132nd in the world 78Introduction to the banking sector 79In terms of its total number of retail customers State Bank of India leads the market 79... in a sector in which government-owned banks account for a majority of branches 79Substantial swathes of the Indian population remain unbanked 80The RBI follows a policy that generally encourages banking sector consolidation 80... with a number of mergers and acquisitions in evidence in recent years 80Introduction to bancassurance 81India's insurance market has been subject to deregulation since 2000 81Unusually, the distribution share of banks is higher in non-life insurance than in life insurance 81... although is growing in both fields as the traditional agency model comes under pressure 81Most insurance companies use bank distribution as a part of a multi-channel strategy 81State Bank of India has maintained a joint venture with BNP Paribas Cardif since 2000 82...with over 20 other joint ventures having been established since then 82The bancassurance channel is characterised by relatively strict regulation in India... 83...with banks not being permitted to tie up with any more than one life and one non-life insurer 83Regulations governing bancassurance partnerships are likely to change in the near future 83Market size and growth of protection-related life insurance 84The market for protection-related life insurance declined in value between 2008 and 2012 84Critical illness insurance is often offered as a rider rather than as a stand-alone product 84A small proportion of protection-related life insurance is due to creditor insurance 84Distribution share of banks 85Bancassurers accounted for around 12% of the total life insurance market in 2012 85Bancassurance provision rates, operating models and partnerships 86Risk life insurance 86Over three quarters of banking organisations researched offer risk life insurance... 86... with SBI Life and LIC again ranked most highly by weighted share of partnerships 86Star Union Dai-ichi Life benefits from its joint venture partnerships with two banks 86... albeit many other joint ventures are also active in this field 86MetLife India benefits from a key partnership with Punjab National Bank 87Critical illness insurance 89Relatively few banking institutions in India sell critical illness insurance as a stand-alone policy 89Thanks to two partnerships, Reliance General is ranked first by weighted share of partnerships 89... followed by HDFC ERGO 89... and ICICI Lombard 89Eight banking organisations utilise external underwriters of critical illness cover 89Income protection insurance 91Income protection insurance is rarely marketed by banking organisations in India 91Performance of key bancassurance underwriters 91Around one quarter of the Indian life insurance market is controlled by joint ventures 916.0 INDONESIA 93Banks and other lending institutions covered 93Economic background 93Indonesia's economy is the largest in Southeast Asia... 93The Indonesian economy swiftly recovered from the Asian financial crisis... 93...and is well positioned for further growth 94In the World Bank's Ease of Doing Business Index, Indonesia is ranked only 128th in the world 94Introduction to the banking sector 95In terms of its total number of retail customers Bank Rakyat Indonesia leads the market... 95...and Bank Tabungan Negara is the largest mortgage lender 95Government-owned banks have a strong position in the market 95A number of foreign entities are active in the market 95DBS bid for Bank Danamon at the beginning of 2012 96Introduction to bancassurance 96Bancassurance accounts for around 41% of life insurance premiums in 2012... 96...with many banks having changed their bancassurance strategies in recent years... 97...and have set up captive insurance underwriters, mainly in the life insurance segment 97A number of banks have set up joint venture underwriters with foreign insurance companies... 97...and competition among underwriters for bancassurance partnerships is fierce 97Banks are offering a range of sharia-compliant insurance products 98Regulations divide bancassurance in three different business categories... 98...and have a strong impact on the structure of the market 99Market size and growth of protection-related life insurance 99Protection-related life insurance grew by 21.0% per annum in real terms between 2008 and 2012 99... albeit a substantial proportion of this is probably due to creditor insurance 99Distribution share of banks 100Bancassurance is estimated to account for over 41% of life insurance premiums 100Bancassurance provision rates, operating models and partnerships 101Risk life insurance 101Around one third of banking organisations offer risk life insurance 101... with BRIngin Life ranked first by weighted share of partnerships 101AXA Mandiri is the most prominent joint venture underwriter 101Mega Life is an important player in the life segment 10110 banking organisations have established external partnerships in this field 102Critical illness insurance 104Relatively few banking institutions in Indonesia sell critical illness insurance... 104...and two providers affiliated with banks predominate the market 104Chartis is the most prominent external underwriter in this field 104Income protection insurance 104Income protection insurance is not commonly marketed by banking organisations in Indonesia 104Performance of key bancassurance underwriters 107The combined market share of key bancassurers peaked in 2009 1077.0 JAPAN 108Banks and other lending institutions covered 108Economic background 108Japan has the third-largest economy in the world in terms of national economic output 108The country's economy was hit by the global financial crisis in 2008 and by the earthquake in 2011 109The service sector accounts for around 75% of the total economy 109Government debt and negative population growth are the main challenges for the future 109In the World Bank's Ease of Doing Business Index Japan is ranked 20th in the world 109Introduction to the banking sector 110The banking sector is dominated by three major groups... 110...albeit regional banks and Shinkin banks also play an important role in the market 110The penetration of foreign-owned banking institutions is very limited 111The banking sector has seen major structural changes since the early years of the 21st century 111Introduction to bancassurance 111The sale of insurance products by banking institutions was fully deregulated only in 2007... 111...with only a few restrictions now remaining 112Banks usually act as insurance agencies that collaborate with a large number of underwriters... 112...some of which are investing strongly to increase their sales via the bancassurance channel 112The importance of the bancassurance channel is increasing most in the life segment... 113...and bancassurance is generally less important in the non-life insurance sector 113Online sales of insurance remain comparatively low in Japan 113Market size and growth of protection-related life insurance 114The market for protection-related life insurance increased in value between 2008 and 2012 114Risk life policies are often bundled with other forms of protection 114Cancer insurance is by far the most widespread type of critical illness insurance 114Distribution share of banks 116The bancassurance distribution channel is likely to have advanced in recent years 116Bancassurance provision rates, operating models and partnerships 116Risk life insurance 116Around half of Japan's banking institutions promote some form of risk life insurance 116Aflac has seen soaring sales through the bancassurance channel in recent years 116Japan Post Insurance is the main captive underwriters active in the market 117Manulife has distribution partnerships with over 40 financial institutions across Japan 117Critical illness insurance 119Critical illness insurance is often bundled with other types of cover 119Market leader Aflac has a particular focus on cancer insurance policies 119Tokio Marine & Nichido Anshin Life claims partnerships with a total of 17 banking organisations 119MassMutual Life has a sole partnership with Mizuho Bank 119Income protection insurance 121Income protection insurance is less commonly offered by banking organisations in Japan 121In terms of weighted partnerships, NKSJ Himawari Life leads the market 121Lifenet, which was only launched in 2008, benefits from its ties with credit card issuers 121AXA has set up Nextia Life to compete in the online insurance market 121Orix Life is the only captive underwriter found to be active in this market segment 121Performance of key bancassurance underwriters 123Captive underwriters are not a common feature of the market 1238.0 SOUTH KOREA 124Banks and other lending institutions covered 124Economic background 124South Korea benefits from an export-driven economic strategy 124...and has demonstrated a high level of financial resilience in recent years 125In the World Bank's Ease of Doing Business Index, South Korea is ranked eighth in the world 125Introduction to the banking sector 125In terms of number of retail customers Kookmin Bank leads the market 125...which is highly concentrated with four predominant financial groups 126The penetration of foreign banks is relatively low 126Co-operative banks in South Korea have a fairly large customer base 126...and insurance companies are also engaged in consumer lending 126Many of South Korea's savings banks have been wound up or taken over 127Introduction to bancassurance 127Bancassurance in South Korea is well-developed, in particular for life insurance products... 127...and the market features a number of providers that specialise in bancassurance 128The distribution of insurance products by banks is heavily regulated 128...aiming to prevent excessively strong ties between banks and insurance providers 128... meaning that captive and joint venture underwriters are therefore less prominent in the market 128Market size and growth of protection-related life insurance 129Protection-related life insurance decreased in value between 2008 and 2012 129Critical illness cover is often bundled with medical expenses insurance products 129Distribution share of banks 130Banks play a significant role in the distribution of protection-related life insurance 130Bancassurance provision rates, operating models and partnerships 131Risk life insurance 131Around one third of South Korea's banking institutions promote some form of risk life insurance 131Aviva and Woori Financial formed a joint venture underwriter in 2008 131...and ING plans to sell its South Korean business in 2012 131Heungkuk Life specialises in the bancassurance distribution channel 13130 banking organisations do not distribute risk life insurance 132Critical illness insurance 134Over 40% of banking institutions surveyed are distributors of critical illness insurance 134AIA Life has partnerships in place with nine banking organisations 134Income protection insurance 134Performance of key bancassurance underwriters 136The importance of the bancassurance channel has grown significantly for major insurance companies... 136... and dedicated bancassurance underwriters have expanded their market share since 2007 1369.0 THAILAND 138Banks and other lending institutions covered 138Economic background 138Thailand benefits from an open and export-driven economy 138... although economic success is not shared equally across the country 139In the Ease of Doing Business ranking, Thailand's economy is ranked 17th in the world 139Introduction to the banking sector 140In terms of its number of retail customers, Bangkok Bank leads the market 140Government-owned institutions play an important role in the mortgage lending sector 140The presence of foreign-owned banks in the market is comparatively limited 140... with several overseas entities having exited the market in recent years 141Introduction to bancassurance 141Bancassurance in is well-developed especially for life insurance products 141A number of banks have divested stakes in insurance companies in recent years 141...although Siam Commercial Bank has taken full control of its joint venture 142... leaving only two bona fide joint venture insurers in the bancassurance sector 142Many insurance companies sell through banks as a part of a multi-channel strategy 142... although those with the most exposure to bancassurance have tended to grow most rapidly 143The Thai bancassurance market is subject to relatively 'light touch' regulation 143Market size and growth of protection-related life insurance 143Protection-related life insurance premiums increased strongly between 2008 and 2012 143Distribution share of banks 145Bancassurance accounts for over 35% of total life insurance premiums 145Bancassurance provision rates, operating models and partnerships 145Risk life insurance 145Nearly 40% of Thailand's banking institutions promote some form of risk life insurance 145... with partnerships spread across ten different providers 14526 banking organisations have no visible arrangement in place for risk life insurance 146Critical illness insurance 148Only a limited number of institutions surveyed are distributors of critical illness insurance... 148...with familiar underwriters leading the market in terms of partnership share 148Income protection insurance 148Income protection insurance has yet to establish itself as a core bancassurance product 148Performance of key bancassurance underwriters 151The combined market share of key bancassurers increased consistently between 2007 and 2011 15110.0 VIETNAM 152Banks and other lending institutions covered 152Economic background 152Political and economic reforms have transformed Vietnam in recent years 152... although state-owned enterprises still produce about 40% of national GDP 153High inflation is one the country's main economic concerns 153...although it also faces other structural problems 153In the Index of Economic Freedom, Vietnam's is ranked only 136th in the world 153Introduction to the banking sector 154Four of Vietnam's five largest banks by number of customers are state-owned 154... with Agribank leading the market by this measure 154Indigenous banks control around 90% of the retail lending sector 154... although this market remains very small by international standards 155Several Japanese banks have displayed an interest in Vietnam's banking sector 155Introduction to bancassurance 156Bancassurance in Vietnam is developing at a slower pace than in other Asian countries 156... given a channel share of between only 3% and 5% of total life insurance premiums 156... although the available evidence points to a rapid growth rate from this low base 156Only a limited number of banks have set up captive or joint venture underwriters 156... with Aviva and BNP Paribas Cardif apparent as joint venture partners 156Typically, captive and joint venture insurers use bank distribution as part of a multi-channel strategy 157Baoviet is known to be focusing increasingly on bancassurance as a strategic distribution channel 157Several key factors have delayed the development of bancassurance in Vietnam 157... although the experience of neighbouring countries points to strong future growth potential 158Market size and growth of protection-related life insurance 158Premiums for protection-related life insurance moved up consistently from 2010 onwards 158Distribution share of banks 159Bancassurance accounts for only a small proportion of total life insurance premiums 159Bancassurance provision rates, operating models and partnerships 160Risk life insurance 160Prudential, Dai-ichi Life and Prevoir Life are ranked among the top five providers 160... with the former company having established four partnerships for risk life policies 160Critical illness insurance 160Critical illness cover is promoted in a stand-alone format by a small minority of Vietnamese banks 160Income protection insurance 163Performance of key bancassurance underwriters 163Although they have huge potential to grow, the market share of VCLI and VietinAviva remains low 163LIST OF GRAPHICS / TABLES0.0 EXECUTIVE SUMMARY 1An average of 91.3% of total premiums can be attributed to non-creditor protection-related life insurance. 3In South Korea, over 60% of protection-related life insurance premiums are secured through the bancassurance channel 5The operating models used by banks to sell risk life insurance vary greatly by country 7Five international insurance groups are active in five or more of the bancassurance markets covered ... 81.0 INTRODUCTION 9Banks and other lending institutions contacted by Finaccord, segmented by country and type 112.0 ASIA-PACIFIC OVERVIEW 17Gross written premiums for protection-related life insurance in eight Asia-Pacific countries, 2008 toTo order this report:Life_Insurance Industry: Life Bancassurance in the Asia-Pacific Region: Protection-Related Life InsuranceContact Clare: clare@reportlinker.comUS:(339) 368 6001Intl:+1 339 368 6001ReportlinkerWeb site: .reportlinker.com/儲存倉

對於有報道指出，迷你倉庫本港銀行正就設定正面按揭資料庫的查閱門檻進行討論。然而，部分銀行認為，宜將門檻設定為50萬元，�生銀行零售銀行及財富管理業務主管陳力生昨日出席「東華．�生讀寫無障礙計劃」活動後表示，現時該行進行一般借貸時，均會先查閱客戶信貸資料庫，以評估風險。他認為，難以為正面按揭資料庫設定統一查閱門檻，因各銀行在審批貸款時，計算風險及審批準則不同。

王曉東 李克誠 “江蘇政府性債務規模與經濟總量、經濟發展現實需要是相匹配的、適當的，儲存倉負債率、債務率等主要風險指標均低於國際警戒線”，8月7日，江蘇省財政廳廳長劉捍東說。 劉認為“江蘇債務風險水平處於可控範圍”。本報記者獲得的權威信息顯示，截至2013年上半年，江蘇省轄區內各級政府的752戶融資平台企業貸款餘額7706億元，比年初增加203億元，增長2.7%。 這與上半年江蘇全省金融機構人民幣貸款餘額5.89萬億元的總量相比，所占僅13.08%，似乎影響不大。但如果加上752戶政府融資平台企業的“貸款外其他融資餘額”的5768億元，就達到了22.88%。 另一方面，各級政府市長在“兩會”期間紛紛承諾70-80%的一般預算用于民生領域，其餘的20-30%部分是不是只用在還債而沒有其他項目的支出？資金就有點捉襟見肘。 有從事金融穩定和分析工作的人士向本報表示，從江蘇各地市的綜合財力看，截至2012年末，部分地區政府融資平台貸款餘額已接近或超過其綜合財力的1倍。 而在接下來至“十二五”末的2年半內，江蘇全省政府融資平台將有約3450億元貸款陸續到期，這占到平台貸款總額的44%左右。 值得注意的是，本報記者從審計署南京特派辦獨家獲悉，江蘇地方有省轄市涉嫌虛報經濟總量和財政一般預算收入。 與此同時，中央四部委聯合出台的“463號文”壓縮了平台後續融資渠道，這也意味著，政府融資平台貸款到期償還的風險和前期開工項目的完工風險，都在加大。 對於外界熱議的“江蘇成為地方債務重災區”一說，劉捍東回應，近期國家審計署正對各地政府債務進行審計，這一工作結束後將對外公佈數據。 面對複雜情況，地方政府似乎並不擔憂。傳言貸款83億元的百強縣無錫江陰市的一位官員對記者表示，“都是短期債務，影響小”。 8月8日，江蘇省政府推出8條措施防範政府性債務風險，其中提到申請貸款須提供融資規模控制卡、地方政府一律不得以BT方式舉債、下一年度債務增幅不得超GDP增幅等；並且，政府性債務數據嚴重不實，將問責主要領導。 蘇南：製造業空心化加劇 江蘇省委書記羅志軍在2012年的全省經濟工作會上表示，製造業占到全省的85%。而據本報瞭解，目前部分行業企業的“輸血”系統正出現故障。 人行南京分行行長周學東2013年6月表示，1-5月，江蘇新增不良貸款占比全國約40%，且不良貸款主要集中在光伏、鋼貿、造船等產業中。 本報獲悉，評級機構目前已下調了江蘇轄區內熔盛重工、陽光集團、遠東控股、華昌化工等四家重量級明星企業的主體信用評級。 當下，鋼貿行業風險已暴露充分，江蘇全省鋼貿市場經營狀況進一步惡化。截至上半年，江蘇鋼貿市場不良貸款餘額為213億元，不良貸款率為42.3%，較年初上升23.3個百分點，尚有部分貸款為關注類。其中，五家大型銀行上半年新增不良貸款中，鋼貿貸款占到55.8%，預計後期新的不良仍會繼續增加。 從銀行貸款的流向可反映當下江蘇,比如無錫實體經濟的下滑。無錫多年來經濟總量僅次于蘇州，排江蘇第二位，是江蘇三大工業基地之一。 “目前製造業貸款已到穀底，為2007年以來的最低水平”，某城商行無錫分行的一位高管告訴本報，1-6月無錫製造業貸款僅占新增貸款的22%，同比下降超過35%。本報獲得一份調查報告顯示，2013年6月末，江蘇轄內五家大型銀行製造業項目儲備金額1023億元，同比減少114億元。 而四大國有行無錫分行在手的780億儲備信貸項目中，擬計劃投向于企業實際生產經營的已低於15%。更有甚者，工行無錫分行項目儲備數和金額同比分別下降超過20%。 “我不能告訴你具體的數據”，但至少4個無錫地區的金融從業人士向記者坦承，1-6月其所供職的不同銀行頻繁遭遇企業客戶主動銷戶退出，中小微企業在銀行的提款率開始下降，提前還款數和金額同比增加。 “企業客戶提前還款和授信不用的現象已引起高度重視，省級和北京要求我們做出解釋”，上述某銀行人士表示，在經濟向好的形勢下，這一現象不應有突然增加的趨勢。 曾投資蘇州某上市公司、後退出管理層的盧先生告訴記者，以民營經濟見長的蘇南不少地區，近兩三年來已沒有新辦企業。盧認為，這至少意味著部分民間投資意願開始下降。 來自江蘇省銀行業協會的一份報告顯示，2013年上半年，江蘇銀行業信貸資產質量下滑趨勢明顯，盈利水平進入低速增長期，“考慮到成本和風險等，銀行收貸行為開始增加，對應的是部分企業提現多”。 更為糟糕的是，江蘇截至今年6月末小微型企業不良貸款餘額377億元，比年初增加102億元，不良貸款率2.4%，比年初上升近0.5個百分點。 一個值得關注的現實是，目前江蘇企業報送的債務融資工具項目約1000億元，但其中超過一半是與政府負債相關的項目，衝擊較大。“這主要集中在平台企業，但融資過來很大一部分用于還款。”少數正在增加的數據反映在房地產業上。本報獲悉，2013年1-6月江蘇新增房地產貸款16迷你倉沙田0億元，同增1065億元，而同期江蘇各項貸款同比僅多增208億元，房地產領域同比多增的貸款是全部貸款同比多增額的5.12倍。近幾年，江蘇房地產貸款一直穩居全國第一。 “上半年大型銀行房地產新增貸款占其全部新增貸款的比重超過60%，高出江蘇全省平均水平約25個百分點”，江蘇省金融辦一位博士告訴記者。 連雲港：平台貸款總量與預算收入相當省會南京，諸多重大基礎設施在建，政府巨額舉債。“近2年來，我所做的一件最主要的工作就是不斷削減政府融資平台的貸款量，計劃要控制在貸款總量的3-5%”，某商業銀行連雲港分行高管對本報表示，“這可能會讓地方政府不開心，但從總行角度看，我是地方政府融資平台貸款風險管控第一責任人。”在連雲港，本報獨家獲悉，截至2013年6月末，連雲港各級政府融資平台貸款約200億元。 “目前政府融資平台企業項目的貸款年均利息在6-13%左右”，有連雲港金融從業者告訴記者。即使按照8%的平均數計算，連雲港政府財政每年至少需要向銀行還款16億元。 根據統計公報，連雲港在2012年實現經濟總量1604億元，財政一般預算收入（可用財力）209億元。以現有江蘇全省各級政府運行看，一般預算收入中用于工資發放、農業、社保等硬性支出占比至少70%以上。 並且本報還獨家獲悉，審計署曾在2013年上半年對連雲港國家級開發區2013年第一季度數據進行了審計，發現其經濟總量和財政一般預算收入涉嫌虛增約40%。南京審計學院一位教授對此認為，局部涉嫌虛增，雖不能直接證明整體虛增，也不能證明一直虛增，但無法阻止外界對整體的懷疑。 有地方知情人士稱，對連雲港而言，政府融資平台貸款總量已與全年財政一般預算收入相當。若在一般預算中剔除工資等硬性支出並擠出“虛增”部分，即使是算上年均14%左右的財政收入成長率，其地方債還款能力已近喪失。 地方人士告訴本報，在2013年上半年全市招商引資大會上，面對各開發區和區縣書記縣長上報的“數字”，新任市長趙曉江說，“拜託各位領導，招商引資下半年就不需要新增了，若上半年的數字能夠真正完成就對得起市委市政府了。”連雲港是改革開放後中國首批沿海開放城市之一，但在2012年起規模以上工業總量已被江蘇排名最末、建市（1996年）最晚的宿遷市超越。 新融資手段規避監管 事實上，盡管中央一再要求嚴控，但地方政府融資平台的融資渠道正越發複雜，目前江蘇“其他融資渠道”的融資餘額增長迅速，且總量已逼近正常銀行融資。 2013年上半年，江蘇752戶平台企業的貸款外其他融資餘額5768億元，比年初增加1354億元，增長30.7%。 根據已有經驗，中國銀監會對銀行貸款監管政策主要有“名單制”管理、貸款總量控制、抵押擔保約束、貸款投放要求等內容。但是，“今年以來，在地方政府的努力下，政府融資平台及其融資出現了很多新變化，這極大弱化了我們現有監管政策的執行效果”，江蘇省銀監局一位副處長向本報透露。 在銀監系統對名單內貸款實施總量控制後，很快出現了“銀行表內貸款下降、表外融資上升，名單內融資下降、名單外平台融資上升，銀行體系融資下降、保險證券信託等途徑融資快速上升”的現象，且整體融資總量仍在持續擴大。 以南通而言，截至2013年第一季度，市74戶名單內融資平台貸款餘額368億元，比2010年下降101億元，但是，“同期平台企業通過發債、銀信合作、銀租合作、銀券合作”等方式融資超200億元，再加上名單外政府融資平台和新設立的平台獲得的439億元銀行融資，政府平台融資規模早已翻倍。 盡管江蘇曾下文對政府融資平台的貸款進行了核定，但對政府融資平台本身的定義仍缺乏準確性和權威，給平台公司和銀行規避監管，留下很大的操作空間。 記者獲得的一則案例則可清晰表達出地方政府的“過人之處”。某高新技術產業開發區管委會工作人員，以自然人股東身份聯合成立了一家貿易公司，註冊資金近2億元，通過第三方政府融資平台資產抵押，從多家銀行獲得短期借款近2億元，並通過關聯交易為地方基礎設施項目購買鋼材。 銀監系統在事後調查中發現，該企業未納入到政府融資平台的名單監測，而銀行貸款更被統計在貸款銀行的小企業貸款數據中。 與當地多個部門合作調研課題的南京財經大學金融學院院長閆海峰向記者表示，從出資人的角度分析，以政府工作人員個人出資形式成立新平台，規避了政府出資屬性；從平台承擔項目屬性看，將財政往來款視為項目經營性現金流，就規避公益性項目屬性；而從還款來源解釋，融資平台以代政府持有的土地變現收入還貸，規避財政收入還貸（盡管這部分土地出讓收入由財政劃撥）。 “地方債務一系列規避手段，可在銀監會‘名單制’監管外充分活動，這對監管提出了更高要求。”閆說。 防範政府債可能引發的危機，“至少兩個底線需要堅持，一個是不再發放信用貸款，一是要回歸政府負債的基本含義”，某金融高管對記者表示。 （採用數據以四捨五入計整，實習生巢恬逸、特約記者王繼亮對本文亦有貢獻。）迷你倉價錢

Source: Richmond Times-Dispatch, Va.迷你倉庫Aug. 11--Old joke: A conservative is a liberal who's been mugged. New version: A liberal is a conservative confronted with defense cuts.Thanks to sequestration, says House Armed Services committee chairman Buck McKeon, "our influence around the world" will diminish and "our enemies will feel emboldened." Defense Secretary Chuck Hagel recently laid out the ostensibly stark choices facing the Pentagon as a result of sequestration: A large, old-fashioned military or a small, modern one. This was supposed to strike fear into the hearts of every patriotic American.Virginia Rep. Randy Forbes has spent the past year trying to stir up opposition to defense cuts. Despite those efforts, pro-defense fiscal conservatives "do not understand the repercussions" of the cuts they are making, he says. The numbskulls. Virginia Rep. Eric Cantor has warned that sequestering Pentagon funds would do "incredible damage," "devastate the economy," "threaten nearly a million jobs," and "cause catastrophic damage."Well, fear not. Just about everything conservatives have been telling you is wildly overstated -- and sometimes flat-out wrong. Here's why.First, look at the big picture. From 2002 to 2011, inflation-adjusted defense spending rose 64 percent. In 2012, defense spending shrank 6 percent. Sequestration hacks real Pentagon spending levels all the way back to where they stood in ... 2007. Was the U.S. military woefully undermanned and underarmed in 2007? Of course not.If you include homeland security, intelligence and foreign aid, then national-security spending totals more than $840 billion. All individual income taxes total $1.1 trillion, just $260 billion more than that. True, defense spending has shrunk as a share of the overall budget -- thanks to exploding outlays in social-welfare spending. The remedy for that is to cut the latter, not pointlessly inflate military spending just so it can keep up.And speaking of catching up: At present, the U.S. accounts for 46 cents of every military dollar spent worldwide. America's military allies add another 22 cents. That means the rest of the nonaligned world spends only 32 percent of global outlays on arms, and America's potential enemies -- such as China, Iran and Russia -- spend only about half of that. They have a long way to go even to get within spitting distance of parity.What's more, the U.S. is winding down the second of two wars. Reducing troop strength from a wartime high of more than half a million Army regulars to slightly less than half a million five years from now hardly qualifies as hollowing out the service. Yet many conservatives seem to think any reduction in troop strength is a disaster. That's like insisting food-stamp levels should remain steady even after the end of a recession.Second, a grotesque amount of Pentagon spending goes to waste -- as even conservatives will concede. According to the American Enterprise Institute, "most major weapons system development programs ... have cost overruns of over 30 percent." The Heritage Foundation has identified $70 billion in annual savings. That's 40 percent more than the cuts imposed by sequestration. So contrary to what Hagel claims, deep spending cuts need not require the mothballing of carrier strike groups. They simply require doing the job right.A 2011 report by the Government Accountability Office found that in just two years "management failures added at least $70 billion to the projected costs" of major weapons systems, The New York Times has reported. A single program -- the F-35 Joint Strike Fighter -- "accounted for $28 billion of that increase." And yet, as a piece in Roll Call noted last month, the F-35 "has been shielded from the sequester" even though it "is almost a decade behind schedule, expected to cost $1.5 trillion and yet critical systems still don't work. ... The F-35 performs poorer than 儲存any legacy aircraft."The principal reason for the GAO-identified cost overruns? "The Pentagon began building the systems before the designs were fully tested."There's a similar story to be told about the Littoral Combat Ship (LCS). The average cost per ship has doubled since the program's initiation; the Navy is buying more even though testing won't be finished for another six years -- "we are purchasing first and testing second," says California Rep. Jackie Speier -- and a recent GAO report says "current LCS weapon systems are underperforming and offer little chance of survival in a combat scenario." Little chance of survival -- despite $40 billion in outlays. This helps defend America exactly how?Matching the military to its peacetime mission and cutting out the waste would permit a substantially smaller budget without diminishing America's ability to defend itself.This leaves just one rationale for unbounded military spending: jobs. Conservatives insist military outlays must remain high in order to sustain employment levels. Are they serious? Then apparently all their critiques of the Obama stimulus were wrong, and government really is great at creating jobs. Who knew?Except, of course, government isn't. Every dollar Washington spends comes from the private sector -- which is far more efficient at allocating economic resources to their highest and best use. True, some economists defensibly claim deficit spending can stimulate the economy; does this give conservatives an escape route? Far from it.Never mind their aversion to deficit financing generally. Those conservatives who believe in the power of government to stimulate the economy should support even deeper cuts in defense spending. That is because other kinds of spending would stimulate the economy even more, for several reasons. Example: Researchers at the University of Massachusetts, Amherst, point out that the labor intensity in education is higher than the labor intensity of the military, which relies on machinery much more than schools do. So if job creation is the goal, Congress should shift funds from the Pentagon to education.What's more, a lot of defense spending ends up overseas: "U.S. military personnel spend only 43 percent of their income on domestic goods and services ... while the U.S. civilian population, on average, spends 78 percent of their income on domestic products." A sailor might blow his paycheck in Bangkok or Berlin, but a teacher is more likely to blow it in Baltimore or Brooklyn.The truth is that the jobs argument is just plain wrong. Industry-funded studies may claim devastating harm from defense cuts, but they have a powerful motive to paint a grim picture: From 2001 to 2010, defense-industry profits quadrupled. You can't blame the industry for wanting to keep the spigot flowing.Disinterested observers, however, find something rather different. The Pacific Research Institute's Benjamin Zycher points out that inflation-adjusted defense appropriations rose every year from 1981 to 1989, then fell in eight out of the next 11 years. If defense spending were as important to the economy as conservatives pretend, then GDP should have moved up and down in tandem with the Pentagon's budget. Nothing anywhere close to that happened. Except for two years -- 1982 and 1991 -- the economy grew steadily throughout the period.To conservatives, government is a bloated bureaucracy in pursuit of an inflated mission that wastes untold billions with no accountability. They detest that sort of thing when it wears the name of the Environmental Protection Agency or the Department of Education. So why do they give it a pass whenever it puts on a uniform?bhinkle@timesdispatch.com; (804) 649-6627Copyright: ___ (c)2013 Richmond Times-Dispatch (Richmond, Va.) Visit the Richmond Times-Dispatch (Richmond, Va.) at .timesdispatch.com Distributed by MCT Information Services新蒲崗迷你倉

Editor’s Note:When Chinese President Xi Jinping urged the nation to pursue the “Chinese Dream,” he triggered a public dialogue about people’s expectations and how they are fulfilled.儲存 Shanghai Daily continues its dream series, this week from the perspective of those born in the 1990s.People born in the 1990s landed in a golden age for dreaming. They have known nothing but a prospering China that has surrounded them with a dazzling array of consumer goods, family cars, buzzing entertainment venues, mobile communications and holidays to exotic destinations never before possible.They are still young enough to be idealistic in their hopes for the future but old enough to perceive that life may not be an endless bed of roses.They are a highly diversified group, self-focused and defying stereotypes. Some shamelessly pursue pleasure and money; others commit themselves to serious achievement in education, sports and arts.Whatever their dreams, the choices that confront them are the most expansive and complex ever seen in modern China.While the government may define the “Chinese Dream” as the pursuit of economic prosperity, national rejuvenation and public well-being, the 1990s generation prefers to define it in more personal terms.Their dreams focus on travel, a good university education, a well-paying job or perhaps even founding their own companies. They want to enjoy life.“Young people today have many more resources than we had,” says Zheng Fangxian, born in the 1960s and now president of the High School Affiliated to Fudan University.“The world that they want to explore is just one click away, and going abroad to see it in person is no longer a remote dream for many young Chinese students,” he adds.Most people born in the 1990s come from single-child families that tend to nurture a self-centered attitude toward life. They are the decade of rapid changes. They are often dubbed the Global Generation, the Me Generation and the Net Generation.Despite their young ages, this generation is marked by early achievers and their success is magnified by the Internet.Their “heroes” are the likes of pop singer Justin Bieber, 19, or actresses Emma Watson and Kristen Stewart, both fashion setters at the age of 23.In China, too, this generation is making its mark. Swimmer Ye Shiwen, only 17, has already won a handful of gold medals in international competition.She set the world record in the 400-meter event and the Olympic record in the 200-meter.Sun Weiwei and Dong Yuyang, both 18, became hits online last month due to an extraordinary talent in chemistry and their revelation that love and science aren’t mutually exclusive.Sun, runner-up in this year’s International Chemistry Olympiad, said on her blog that the best thing about the competition was not her ranking but the chance to stand “shoulder-to-shoulder” with Dong, who won the top award.The pair were soon discovered to be lovers, which enhanced the online buzz because the Chinese traditionally believe that “puppy love” is a hindrance to success.Not all high-profile young adults have been so endearing.The Red Cross Society of China, the nation’s biggest charity, is still reeling from the online antics of Guo Meimei, 22, who stirred a national outrage in 2011 by flouting her wealth on the Internet, accompanied by the claim that she was a manager for the Red Cross. Pictures on her blog showed her driving a Maserati and owning a large collection of designer handbags.The organization denied any connection with Guo, who later admitted the claim was a ruse.But the scandal was kept alive by allegations that Guo’s high-flying lifestyle was being financed by embezzled funds from her lover, who was on the board of an organization that runs campaigns for the Red Cross.There was also the highly publicized case of Li Tianyi, 17, son of well-known singer Li Shuangjiang, who is famous for patriotic songs. Betraying his father’s prestigious image, Li was involved in a gang rape case that triggered a debate on the issue of “privileged children.”Searching online for people born in the 1990s, one quickly discovers many pictures of girls posing half naked — the expression of a provocative Me Generation and an online-savvy Net Generation.But it would be wrong to judge the whole generation by the high, sometimes scandalous profiles of a few.He Mengyao, 17, a student at Shanghai No. 3 Girls High School, is a case in point. She says just she can’t understand most publicity peers.“They are individual cases, and it is unfair to stereotype all of us like that,” He says. Her most urgent dream is to enter an elite university next year and forge a career that will help make the world a cleaner and greener place one day.Zhang Yan, 19, a native of Chongqing, fulfilled one dream last year by scoring very high in the national college entrance examination and coming to Shanghai to attend Fudan University. She has moved on to a new dream — trying everything that interests her in order to discover her true potential.Ke Siyue, soon to turn 22, i新蒲崗迷你倉 focused on running her own media company. In her last year at Donghua University, she currently is head of a small group of people involved in making movie shorts.Zhou Bowen, 23, has already taken the plunge by creating his own information technology company. Its aim is to help college students find internships.The people of the 1990s generation describe themselves in a variety of terms: rational, imaginative, self-centered, charitable, optimistic and practical.Some dreams elevate people beyond their daily lives. Jin Wan, 21, is making a name for herself in the art world though she is wheelchair-bound.Sooner or later, consciously or unconsciously, people born in the 1990s will have to come to grips with the world of adulthood, responsibility and possibly lowered expectations. But the dreams of their today will shape the China of tomorrow.Ke Siyue, 22“I have the dream of running a company that can instill the value of culture into people and make all our lives more artistic.”Ke Siyue, soon to turn 22, is already general manager of a media company she established to produce short movies for corporate and individual clients.All of her employees are older than her. “I am a workaholic,” says Ke, who is also a junior at Donghua University. “I have the dream of running a company that can instill the value of culture into people and make all our lives more artistic.”Her company, Shanghai INTO Cultural Media Co Ltd, was officially established a year ago, but the idea originally took shape in 2010, when Ke and a few classmates shot a movie as a school assignment. She was hooked.“There is demand for innovative ways of communicating, and our short movies can capture the culture of a company or an individual,” Ke says.At first, the idea was mostly for fun, an extension of how Ke viewed university life. As a freshman, she joined more than 20 campus clubs, she had her own band, she learned to play drum and she even dabbled in mixology.It was the time to dream, and Ke’s dreams knew no bounds. In her sophomore year, Ke started to get more serious. She joined the school’s Youth League, an organization committed to nurturing future leaders.It was also the year that Ke began to think of commercializing her short movies as products. She entered her movies in a young business leaders’ competition organized by the Shanghai Technology Entrepreneurship Foundation for Graduates. The youngest of 80 participants, Ke won the award for the best team.She quit her work at the Youth League, where she had already attained the top post that a student could reach, and registered INTO as a company last September.“I mean to do business and do it well,” Ke says. “Since my childhood, I have had a very strong sense of responsibility. My current ambition is to provide good jobs for my staff, and, more than that, I want to help them realize their dreams.”Ke is well on the way toward her dreams. Her company has signed a few corporate clients, and often does films for newlyweds. INTO is making a profit.Ke employs about 10 people, most of them born in the 1980s.Her partner, who is 10 years older than her, keeps an eye on the business while she is attending classes.“At first, it felt strange to be directing people who were older than me,” Ke says, “but they respect me and we share the same dream, so the business works very cooperatively.”Ke is practical. To her, money is important. One episode in her college life, though trivial, is etched in her mind. One morning, she casually asked a street vendor making her a breakfast pancake how much he earned. His answer shocked her.The vendor said he and his wife could make at least 30,000 yuan (US$4,838) a month.That was in sharp contrast to the average 3,000 yuan a month a college graduate could earn. The vendor’s reply trigger Ke’s decision to start her own business.Money aside, Ke remains very idealistic. She says she still believes in the value of higher education and wants to lead an artistic life.Facing graduation next year, Ke won’t be among the classmates hitting the pavement to look for job, even though she has had some good offers. She says her focus will be on making INTO a business success.Wu Jiani, 16“Some foreigners are still obsessed with outdated ideas about our country and our people. I hope to change that bias.”For Wu Jiani, 16, dreams are necessities of life. She says they provide the reasons for living.Her practical dream is to learn more foreign languages so that she can someday raise foreign understanding of China.“Some foreigners are still obsessed with outdated ideas about our country and our people,” Wu says. “I hope to change that bias.”But being a young woman with a romantic bent, Wu also harbors a dream to visit Paris one day.She has been accepted for enrollment in a vocational school, where she plans to train as an air hostess. That’s one way to make her travel dreams come true.Unlike some of her generation who are considered self-centered, Wu says she also wants to do things in her life to care for the needy. mini storage

Source: Winston-Salem Journal, N.mini storageC.Aug. 13--David Mathis has been here before.It's the end of the PGA Tour's regular season and, once again, he is racing against time to keep his job."It's kind of the same story -- but at least I'm used to it," said Mathis, a good-natured 39-year-old Winston-Salem native.As the Wyndham Championship arrives this week at Sedgefield Country Club in Greensboro, it's do-or-die time for Mathis as he tries to make it into the top 125 on the FedEx Cup points list. He sits at 166 and only a top-five finish would likely give him enough points to make the FedEx Cup playoffs.The good news is he's playing his best golf of the season. He's coming off four straight made cuts and his best finish in 109 career tournaments on the PGA Tour. His tie for fifth place earlier this month in the Reno-Tahoe Open made him $114,000 for one of the biggest paychecks of his PGA Tour career.Mathis, a 1997 graduate of Campbell, has been plugging along on the PGA Tour trying to stay above water. It was a big struggle earlier this season, when his putting was reduced to a lot of guessing."I just had to figure it out on my own and I realized I needed more loft on my putter because I just wasn't hitting it on-line," Mathis said about missing nine cuts in a row earlier this season.What also gave him confidence at the Reno-Tahoe Open -- the funky tournament that is scored by the modified Stableford system, was a visit to the Scotty Cameron studio in Las Vegas for some guidance with his putting stroke."When I was there they confirmed what I had figured out -- that I needed more loft on my putter -- so that was a big boost for me," Mathis said. "And I went out and putted very well in Reno, except for the final nine holes, where I wasn't at my best."Mathis will be looking for a breakthrough when he plays in his fourth Wyndham Championship this week. Mathis has heard that the greens will be firm and fast and the rough not as thick as in past tournaments -- a prospect that has him excited."That's the way a lot of us players like it; instead of just trying to hit the ball to a number on the green, you really have to work the trajectory on fast greens," Mathis self storageaid. "I know that's the way I like it."Despite some struggles this season (making just 11 cuts in 23 tournaments), Mathis said he has enjoyed playing with a former college teammate. Mathis, a North Davidson graduate, has played with Canadian Brad Fritsch, a 2000 graduate of Campbell. Fritsch, 35, is a rookie on the PGA Tour."We actually got paired together at the Canadian Open," Mathis said. "And it's funny but I'm pretty sure that it was the first time that two guys from Campbell played in the same PGA Tour tournament."Mathis was a senior at Campbell when Fritsch was a freshman but now they are both chasing the same dream."Back when we were both at Campbell I wish there were some odds laid about both of us one day winding up on the PGA Tour," Mathis said. "I'm guessing nobody would have wanted that bet but I think it's neat that it's turned out that way."Mathis lives in Wake Forest with his wife, Chastity, and their son, Brady -- meaning he will have the luxury of commuting this week."Depending on my tee times I might stay just one or two nights in Greensboro and for how much we travel all season long it's a big deal for me," Mathis said. "I've had to play more than I wanted and have been on the road away from my family a lot."Mathis' parents live in Winston-Salem, so they (and friends and extended family) will get to come watch him play this week."I love playing so close to home to Winston and not far from Raleigh," said Mathis, who grew up playing Tanglewood Park, Hillcrest and Wilshire.Another avenue for Mathis to get his PGA Tour card for 2014 is the PGA Tour money list. The top 125 on the money list after the Wyndham will secure cards.Mathis, who has made just over $2 million in his career on the PGA Tour, ranks 173rd on the money list."I know I've got a lot of work to do but I'm looking forward to having a good week," Mathis said. "I didn't play in the PGA and was able to be at home with the family so I'm feeling pretty good."jdell@wsjournal.com(336) 727-4081Copyright: ___ (c)2013 Winston-Salem Journal (Winston Salem, N.C.) Visit Winston-Salem Journal (Winston Salem, N.C.) at 2.journalnow.com Distributed by MCT Information Services迷你倉

Jin Wan, 21, dreams of having her own art studio.文件倉 That may sound like nothing special for a university student majoring in animation design, but for Jin it’s part of a long struggle. She lost the ability to walk when she was five years old and is now confined to a wheelchair.“My dream is very practical, isn’t it?” Jin asks, while sitting at home in a living room that also serves as a makeshift painting studio.For Jin and her family, September 2, 1996 is a day etched in memory. Jin awoke that morning and was unable to sit up or control her legs. She was taken to hospital where doctors diagnosed transverse mytlitis and radiculitis, neurological disorders that would leave her paralyzed for life.“It felt like a bolt from the blue,” Jin recalls.Good-bye to her childhood dream of becoming a dancer.Her childhood became an endless stream of medical treatment. She had to take medicines that caused hair loss and undergo arduous rehabilitation sessions.Her mother quit a sales job to take care of the daughter. The family had to rely on her father’s income of about 1,500 (US$242) a month from a security guard job.Life was hard, but Jin proved to be a tough little girl. She dried her tears and took on life with a determination to conquer adversity.Many years later, when she participated in a TV program, the director asked her to be a bit more sentimental on air to create an atmosphere of sadness. Jin replied with a smile that she would never cry again.With the dream of becoming a dancer gone, she found a new passion in art.At the age of eight, she started to draw, testing her talents across a broad range, from Chinese calligraphy to Chinese paintings, from oils to watercolors, from painting to sketching.She was a natural talent and a quick learner. In 2011, Jin had her first art exhibition as a painter and calligrapher. It was a great success.“I paint with my heart to show my feelings toward the nature I respect, toward the people I love and toward the life I treasure,” Jin says.She is now confidently pursing her dream through study at East China Normal University.Jin pushes herself to excel. As a primary school student, she set her sights on top grades in homework. If she failed, she always re-did the homework until she got it right. When she decided to pursue painting and calligraphy, she practiced artwork for endless hours.Her confidence comes from the support of friends who encourage rather than pity her.“I guess it is my personality that makes me popular among friends,” Jin says. “I love being straight and candid, not in traditional style of Shanghai girls who are difficult to get along with.”Her confidence also comes from her capabilities. She was told upon enrolling in university that her admission was approved because of her talent, not her disability.Jin is making a name for herself in the art world. This summer, she auctioned some of her paintings, earning more than 70,000 yuan. She used the money to buy herself a 50,000-yuan pair of walking braces to help her stand up. She donated the rest of the money to unidentified disabled people.Jin always keeps herself busy. She does volunteer work teaching mentally challenged children how to write and paint, and took part recently in a photography event at a care home for senior citizens.Dreams lead to dreams. Jin says she wants to help disabled people get the most out of their lives.“Every heart can feel what love is,” she says. “If you don’t go after what you want, you’ll never achieve it.”Zhang Yan, 19“I want to find my little brother, who must be a teenager by now.”Zhang Yan, 19, a native of Chongqing and soon-to-be sophomore at Fudan University, has a special dream apart from the usual ambitions for a good job.“I want to find my little brother, who must be a teenager by now,” Zhang says.When Zhang was a young girl, her infant brother was snatched by a relative and never seen again. She says she doesn’t blame her parents. They were both migrant workers who needed to labor every day to make ends meet and couldn’t be home all the time to watch the children.Instances of child-snatching are not uncommon. Recently in the northwestern province of Shaanxi, an obstetrician sold a newborn baby. The infant was later found, after having changed hands in three neighboring provinces, and returned to his mother.The “Chinese Dream” may be particularly compelling for inland areas of China, where poor economic conditions and lax social governance have left many people without much hope for a better life. That’s been particularly true among migrant families.“Although my parents later gave birth to a younger sister, I feel I must find my little brother to reconnect our blood bond,” Zhang says.She is making her way to a better life by studying hard. Zhang is now learning German at Fudan.“Being in Shanghai has been an eye-opener for me,” she says.She did not return home until late July for the summer vocation because she had to finish part-time work as a private tutor.On this trip home, which takes 27 hours by train, she treated herself to a sleeper berth with her earnings.“It was much better than the experience during the winter holiday, when I had only a hard seat for the 41-hour slow train back to Chongqing,” she says.Ye Ronghua, 21“My dr存倉am is to one day become an assistant engineer at Shanghai Metro. That would be really cool.”Ye Ronghua, 21, has just started his work life as an inspector of digital signals at Shanghai Shentong Metro Co.This summer, under scorching heat, his job is to visit Metro stations, near and far, as part of job training for new employees.“My dream is to one day become an assistant engineer at Shanghai Metro,” he says. “That would be really cool.”Ye would hardly have imagined that dream three years ago. At that time, he was obsessed with basketball and wanted to become a superstar like Yao Ming.Ye, who is 1.95 meters tall, was singled out as a good basketball prospect at the age of 12. In the ensuing six years, he practiced more than three hours almost every day, finally achieving the status as a city-level player.“It is really hard to be great in sports,” he admits. “There’s the endless training, which can be quite boring, and a lot of injuries.”Ye finally dumped his sports dream in 2010, when he suffered a serve chest injury.“The doctor told me I could no longer do intense exercise, which meant the end of my sports life,” he explains.By that time, it was too late for Ye to switch to an academic path because he had neglected his studies for basketball.“I’m not very good at studies anyway, and I hate to recite things, English in particular,” Ye says, still amazed that Jeremy Lin, a rising NBA player, managed to graduate from Harvard while pursing his sports talent.Ye later enrolled at the Shanghai Xingjian College, a vocational school, and plans to attend night school to get certification as an assistant engineer.He says a job as chief engineer is probably out of the question since it requires a higher degree of education.However, Ye hasn’t severed all ties with basketball. His best friends are all players, and he works part-time as a basketball coach for children at a private educational institution.“I don’t regret the time I spent on basketball.” Ye says. “But the reality is so different from the dream. Sometimes you can make big efforts, and it all comes to naught.”He fondly remembers his childhood, when dreams were simply delicious food and new toys.“Dreams are best when they are pure,” he says.He Mengyao, 17“I hope I can become a protector of the environment, which is vital to ... give people a good place to live.”He Mengyao, 17, fits the traditional mold of a Chinese model student.She is sweet, in the style of the girl next-door, and highly disciplined. She chairs the student union at the Shanghai No. 3 Girls High School, excels in her studies and has developed a particular interest in promoting environmental protection.“My dream is to be admitted to a good university next year,” He says. “Like many others, I want to get a good job in the future and live a quality life.”She moved to Shanghai from Beijing about four years ago when her parents relocated because of work. Her school in Shanghai is famous for turning out accomplished ladies.“The Chinese Dream to me means that every one of us should bear the responsibility of contributing to the country’s prosperity,” He says. “I hope I can become a protector of the environment, which is vital to sustain our development and give people a good place to live.”Her interest in the environmental stems, in part, from the transformation Beijing underwent for the 2008 Olympic Games.“It was amazing to see how a city could be transformed in such a short time,” she says. “Really, nothing is impossible if we all make the effort.”Last year, He participated in an international conference in the US, where young people gathered to discuss the environmental future of the world.Chen Bofan, 19“I am still exploring my dream (of attending the Massachusetts Institute of Technology) as I ponder what subject to major in.”Chen Bofan, 19, will start his studies at the Berkeley campus of the University of California this autumn.His dream is to attend the Massachusetts Institute of Technology because MIT, famous for its high standards, poses the kind of challenge he likes.“I am still exploring my dream as I ponder what subject to major in,” Chen says, adding that it’s likely to be related to mathematics or science.Chen is not a person without ideas. Rather, like many people born in the 1990s, he has many choices, which make decisions difficult.At the age of 17, Chen quit his studies at the Shanghai Foreign Language School, an elite middle school specializing in grooming future diplomats, and went to the United States. Although it is not uncommon for young Chinese students to go abroad, Chen went beyond the usual realm of short-term exchange students.“I made the decision for a longer-term commitment because I found the US attractive during a trip there to attend a science competition,” he says. “Education in the US offers more freedom and pays more attention to individual strengths.”Chen enrolled at the Phillips Exeter Academy, a prestigious private college preparatory school in New Hampshire, and has spent the past two years there.Chen looks at his future and sees promise, not only because he has talent but also because he is not afraid to be assertive in pursuing opportunities. 自存倉

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Source: The Tribune-Democrat, Johnstown, Pa.迷你倉出租Aug. 12--CENTRAL CITY -- Frank Shenigo grew up in Central City, but spent most of his adult life in Akron, Ohio.Coming home has become more rare as local family members pass away, but that changed this weekend when Shenigo returned in the company of his youngest son, Andy.The pair spent Saturday and Sunday running into Shenigo's old friends and soaking up the Eastern European flavor of Shade-Central City Heritage Days."I left the area a long time ago to find work and went to work in a radiator shop," Shenigo said. "Ten years later, I bought the shop and (recently) sold it to two guys who worked for me."Shenigo said he saw some people he knew as a youngster in the Central City-Shade community and was meeting a lot of new people.Of special interest to him were the festival food booths selling pierogies and haluski similar to what he enjoyed growing up.John Chipchosky is a third-generation Central City resident who is in town every day, but still took the opportunity Sunday to walk down to Central City Recreation Park to enjoy the fun and see friends."It's a lot of hard work, but it's nice to see the people come in and support the heritage of the area," Chipchosky said. "People come in from all over."Along with a volleyball tournament, a classic car show, music by the Somerset County Community Band and polka tunes, the highlight of Sunday's festival schedule was the dedication of a tree.The honey locust has a dir儲存倉ct link to the tree used to shade President Abrahan Lincoln when he gave the Gettysburg Address, said local resident John Lody. With its finely cut foliage, the tree stands more than 20 feet tall and has been in the ground at the town's Armed Forces Memorial for about five years.Purchased by the community from Historical Tree Nursery in Jacksonville, Fla., the tree has been nurtured and maintained by volunteers in anticipation of the 2013 Heritage Days.The idea, Lody said, was to tie in the dedication of the honey locust with the 150th anniversary of the Gettysburg battle during the Civil War.Lody's research showed it is only the second of its kind sold in Pennsylvania.Held in the park developed in 1910, this year's festival marked its 19th year. Several thousand turned out to participate in and watch a wide variety of entertainment and games.Heritage Days President Jessie Kohan Barnes has been part of the volunteer staff since the first event in 1994."We do it for the sake of having a festival," she said. "It's kind of like a homecoming."This year four high school class reunions were held during the festival weekend, drawing in hometowners from several states, Barnes said.Kathy Mellott is a reporter with The Tribune-Democrat. Follow her on Twitter at Twitter.com/Kathy Mellott.Copyright: ___ (c)2013 The Tribune-Democrat (Johnstown, Pa.) Visit The Tribune-Democrat (Johnstown, Pa.) at .tribune-democrat.com Distributed by MCT Information Services迷你倉沙田

今年三月一日意大利金融交易稅生效後，自存倉本港銀行已向買入普拉達（01913）正股客戶，代收0.22%金融交易稅。不過，業界表示，至今依然不清楚將款項交予意大利當局的實際時間及細節，加上款項收取時為港元，因此有需要做對沖減低匯兌風險。雖然意大利當局將金融交易稅的支付期限，由原訂七月十六日押後至十月十六日，但有銀行證券業務主管表示，依然未知悉如何將稅款交予意大利當局，確實繳款日期也不清楚，只有先向客戶收取稅款再作迷你倉新蒲崗算。做對沖減匯兌風險他續表示，由於向客戶收取的稅項為港元，但轉交予意大利當局時很大機會以歐元支付，即使預期當中的匯兌差額不會很顯著，然而該行會進行對沖降低匯兌風險。有銀行主管估計，十月十六日期限後，往後每個月中或要定期將累積的代收稅款交予意大利當局，但強調目前為止意大利當局還沒有正式通知如何處理。與此同時，因稅項以客戶單日買入股份淨額計算，與一般紀經佣金、印花稅計法不同，所以需要增加人手處理，或令成本增加。迷你倉出租

　　《經濟通通訊社１２日專訊》據《中國證券報》報道，迷你倉庫除上海地區少數銀行上浮五年期定期存款利率外，北京和廣州等地區的光大銀行（滬：６０１８１８）、平安銀行（深：０００００１）、北京銀行（滬：６０１１６９）等多家中小銀行也陸續上浮中長期定存利率，２年、３年、５年期定存利率均上浮１０％。而目前工、農、中、建、交等大型國有商業銀行尚未跟進。同時，６月「錢荒」結束後一度走低的銀行理財產品收益率近期也開始上升。　　分析人士表示，中長期定存利率和銀行理財產品收益率均上調，說明目前銀行仍面臨一定資金壓力，更反映出銀行「未雨綢繆」的心態，即提早鎖定資金，進一步加強流動性風險管理。（ｃｔ）