sgusers3的部落格

暫停使用廿八年的深圳梅沙旅遊專用口岸將重新開放，自存倉屆時搭乘快船從梅沙至香港沙田（馬料水）碼頭只需卅分鐘，比經羅湖或沙頭角口岸節省一個多小時。梅沙口岸是八四年經國務院批准開設的國家一類口岸，當時希望吸引更多港人到當地旅遊促進經濟發展，惟客源不足等原因翌年暫停使用。（綜合報道）

Source: Star-News, Wilmington, N.存倉C.July 24--At first glance, Ellen Jo Kraemer thought it was a giant turtle.She grabbed her binoculars -- which she routinely uses to spot alligators from her southern New Hanover County home in The Cape neighborhood -- and peered across the backyard."I thought, 'Whoa, that is no turtle,'" Kraemer said.Across a pond at the Masonboro Country Club, standing on the golf course's seventh fairway, the creature crouched low to the ground."All of a sudden, I'm seeing these legs and the way it's moving forward," she said, recalling the April sighting. "I could see the tail and the shape."It was then she realized what she was looking at: an armadillo. By the time she returned, clutching her camera, the animal was gone."I was just thinking, 'Nobody is going to believe this story,'" she said.She was wrong.After hearing Kraemer's report, wildlife officials updated the statewide map of armadillo sightings. They shaded New Hanover County blue, denoting a credible observation.The sighting came as no surprise to wildlife biologist Colleen Olfenbuttel, who works for the state's Wildlife Resources Commission.She considers Southeastern North Carolina one of two hotspots for armadillos, which are also emerging in the mountains in the western part of the state.By all accounts, we should expect to see more of them.Northward marchArmadillos, long associated with states in the Deep South, have been slowly moving north.Around 1850, armadillos, native to South and Central America, were recorded in Texas. By the start of the Cold War, they had traversed the Mississippi River and moved into Florida. Eventually, they moved as far as Tennessee and South Carolina.As their populations have increased, their range has broadened. Their potential range is as far north as the southern portion of New York State.Human development fosters their mobility. Armadillos can use roads and highways as travel corridors, Olfenbuttel said.In 2009, the Wildlife Commission took a report from a driver in Bladen County who reported seeing an armadillo jumping off a Florida truck full of palm trees. Armadillos could come here on trucks or with people, but Olfenbuttel said they can also wander in on their own.Armadillos are also swimmers, which made sense to Kraemer, whose home in The Cape is just across River Road. She wonders if the armadillo swam across the Cape Fear River and splashed through marshy areas before taking a walk on the golf course.Across the border in South Carolina, biologists have confirmed that armadillos live in the southern part of the Palmetto State. Although biologists haven't confirmed as many armadillos in the northern part of the state, they accept they are there, Olfenbuttel said.Kevin Murphy, who operates Critter Control of Charleston (S.C.), said he has dealt with some in his territory.He has seen them dead on the roads, and has gotten some recent calls from Lowcountry residents wanting him to catch one digging in their yards. He expects to get more calls, too."I know they're coming," Murphy said.Here to staySo far, armadillos have been sighted in 12 North Carolina counties, including New Hanover and Brunswick County.While armadillos自存倉are at a "very, very low density" in the state, Olfenbuttel believes that will change.Within the next decade or two, it would not surprise her if armadillos are documented in nearly every county in the state.Since armadillos are expanding populations in surrounding states, it makes sense they will come to North Carolina. Mountain populations could be fed by several states, but South Carolina is the main pipeline for this area.So are armadillos here to stay?It appears so. North Carolina's winters seem to be milder than they have in the past. Armadillos are limited by cold weather. For one, they can freeze to death, but frozen ground also makes it difficult for them to reach food. While cold weather could be more of a concern for mountain armadillos, it is less of a concern in Southeastern North Carolina."Your winters are very mild, so winter won't have much of a depression on their population," Olfenbuttel said.State officials want to hear from people who see -- or even think they see -- an armadillo."That's the only way we'll be able to track, as armadillos disperse and expand their range in the state," she said.New neighborsIn the years ahead, it is possible armadillo sightings could become fairly common in certain areas.What will our new neighbors be like?"They pretty much stay to themselves," said Jennifer Leonard, who operates Coastal Carolina Wildlife Rehab. She has not seen any armadillos here, but she saw plenty in Florida, where she used to live. "I would love to see them around here, they're neat," Leonard said.The slow-moving creatures, which can grunt similarly to pigs, roam anywhere from pine forests to coastal dunes. They also frequent man-made areas such as cemeteries, parks or roadsides. But with poor vision, they are known to wind up as roadkill. Most of the sightings in Brunswick and Robeson counties, for example, were from dead armadillos on the road.Andy Wood, an area naturalist who lived in Texas for a number of years, once assisted with an armadillo research project. When around people, the armadillos can get spooked."They'll jump when you're standing over them," Wood said. If they are on the road, they may jump straight up into a vehicle. "You'll hear a loud thud under your car."Earlier this week in Pender County, a driver told state troopers he swerved off the road to avoid hitting an armadillo on N.C. 53. The driver totalled a Mazda when it crashed into a utility pole about 2 a.m. Monday, said Trooper Richard Hendrickson. "The armadillo survived the crash," Hendrickson deadpanned. "He fled the scene."Trooper D.S. Gould, who investigated the crash, suspects the driver may have dozed off."I don't think he saw an armadillo," Gould said. "If he saw anything, it was probably a possum."So next time you're driving along the highway or looking across the yard, it may be a turtle or a possum on the horizon.But then again, maybe not.Spot an armadillo? Call the N.C. Wildlife Resources Commission at (919) 707-0050.Julian March: 343-2099On Twitter: @julian_marchCopyright: ___ (c)2013 the Star-News (Wilmington, N.C.) Visit the Star-News (Wilmington, N.C.) at www.starnewsonline.com Distributed by MCT Information Services迷你倉新蒲崗

　　本報上虞7月24日電 （通訊員 倪永燦） 近日，mini storage上虞警方成功破獲特大電信詐騙案，一舉抓獲電信詐騙犯罪嫌疑人31人，搗毀詐騙窩點5個，繳獲電腦、手機、銀行卡等一大批作案工具。　　3月17日上午，家住上虞市曹娥街道的龔女士接到一個陌生手機號碼發來的短信：“恭喜您！您的手機號碼已被湖南衛視《我是歌手》節目組抽選為今日特等獎，獎金是38萬元人民幣，領取獎品網站地址www.×××.in”。　　龔女士登錄該網站，覺得挺正規，於是撥打網站上“400”開頭的客服電話。電話接通後，一名自稱是湖南衛視工作人員的男子告訴龔女士，領取獎品必須按照網站上的步驟操作，需要先交20%的個人所得稅到指定賬戶中。　　在巨額獎金的誘惑下，龔女士立即到銀行，根據對方要求，將“個人所得稅”匯入“客服”指定的銀行賬戶，對方又以種種理由，要求龔女士繼續匯款，前後匯款共計10.4萬元。　　此後，客服告知還要匯4萬元保證金。這次，龔女士在銀行櫃台辦理匯款業務時，工作人員self storage醒她，可能中了不法分子的圈套。龔女士越想越不安，撥通了上虞市公安局的報警電話。　　憑借以往工作經驗，辦案民警認為電信詐騙案中，犯罪嫌疑人獲取和轉移贓款離不開銀行。抓住這一核心，偵查員隨即在龔女士提供的銀行卡交易明細中發現，案發當天，龔女士每次向該銀行卡打入的現款，很快被犯罪嫌疑人通過ATM機在不同銀行將錢取走，整個作案區域集中在海南省昌江縣一帶。　　3月底，專案組民警趕赴海南省昌江縣，通過調取ATM櫃員機監控錄像，警方發現各取款點取款為同一持卡人所為，基本鎖定犯罪嫌疑人的體貌特徵。　　7月17日，上虞警方在昌江警方的支持和協助下，一舉端掉了數個詐騙窩點，並將抓獲的15名犯罪嫌疑人安全押回上虞。　　犯罪嫌疑人交代，他們以“中獎需交個人所得稅”為由，在全國各地進行詐騙作案，涉案金額達60多萬元。　　警方提醒，要保護好個人隱私，尤其是個人身份信息、銀行賬戶、存款情況、密碼、通訊方式等信息。不要輕信天上掉“餡餅”，也不要輕信“飛來橫禍”。迷你倉

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Source: San Antonio Express-NewsJuly 25--The Code of the West was never written down, but most of us, regardless of who we are, live by it.新蒲崗迷你倉We do the right things for the right reasons. We're honest, decent and loyal. We live by an unwritten code of ethics that guides us.Stealing and lying are bad. Following through on what you've said is good. Cowardice is bad. Courage is good.And whether we're getting our marching orders from a religion or from society's guidelines, we all know what's good and what's bad. When we see something bad, we shake our heads and say, "That's not right."These guidelines have hovered under the surface of who we are and what we do for as long as we've been us. We've got the Ten Commandments, but not everyone is a Christian, and those rules are geared toward spiritual matters, not the real world. The rules have existed, in pieces and chunks, here and there, forever, but they've never been written down.Until now.James Owen isn't a cowboy, but he likes to think that he lives by the Code of the West. The 72-year-old Austinite is a public speaker who has produced a series of books examining the cowboy way of life and how it's applicable to modern life."I'm not a cowboy," he told me. "I don't wear the hat and the boots. I don't ride and rope. But to me, the cowboy represents the best of America. The courage, the optimism and the plain hard work that made this country great."Owen was a portfolio manager, meaning he did the heavy lifting of moving people's savings and investments from fund to fund. He got a firsthand look at the crash of the financial markets. He didn't like what he saw. It was a world without conscience or integrity."The ideas was to make as much money as you can, as fast as you can, anyway you can," he said. "I couldn't be part of that."He bailed out and thought about life. He wanted to help others. He needed source material."I grew up with the cowboys of the silver screen," he said. "They had a profound influence on my personal life and character."Hollywood hasn't made a classic Western in decades. These movies were morality plays with horses and guns. Sure, they sugarcoated the 19th century as a place where American Indians weren't slaughtered and life on the Plains was like a day in Mayberry.But if you've ever had a chance to watch one of those movies, you saw a guy -- John Wayne, Gary Cooper, Roy Rogers -- who was too good to be true. This guy was polite, a good friend and an honest dude. He always made the right choice, and it was always "the right thing."It's a notion that's pervasive in pop culture, even if it's turned on its head. In Spike Lee's 1989 film "Do the Right Thing," which is about race in America, no one does the right thing. Things burn and everyone loses his cool. Different plot, same idea.Owen pored through historical documents, Western literature and watched lots of cowboy movies. Here's what he came up with:1. Live each day with courage.2. Take pride in your work.3. Always finish what you start.4. Do what has to be done.5. Be tough, but fair.6. When you make a promise, keep it.7. Ride for the brand.8. Talk less and say more.9. Remember that some things aren't for sale.10. Know where to draw the line.You probably live by all of those rules, even if you don't realize it. They're all about loyalty, integrity and common decency."I wanted common sense," Owen said. "Nothing sophisticated. Nothing hard to understand. Something basic and simple that applied to everyone."His rules have been adopted by the Wyoming Legislature as the state's official set of principles.This stuff has real-world applications. Right now. Take, for example, the fractured political landscape."One thing is tearing this country apart," he said. "We've confused personal values and societal values. People think that your standing on an issue defines who you are. The hell it does."Everyone's a hero in Owen's system."If we can agree on these 10 principles," Owen said, "then maybe we can disagree on something."rbragg@express-news.net. Read Bragg's blog at http://blog.mysanantonio. com/atlarge. Follow @roybragg on TwitterThe Code of the West was never written down, but most of usmini storage regardless of who we are, live by it.We do the right things for the right reasons. We're honest, decent and loyal. We live by an unwritten code of ethics that guides us.Stealing and lying are bad. Following through on what you've said is good. Cowardice is bad. Courage is good.And whether we're getting our marching orders from a religion or from society's guidelines, we all know what's good and what's bad. When we see something bad, we shake our heads and say, "That's not right."These guidelines have hovered under the surface of who we are and what we do for as long as we've been us. We've got the Ten Commandments, but not everyone is a Christian, and those rules are geared toward spiritual matters, not the real world. The rules have existed, in pieces and chunks, here and there, forever, but they've never been written down.Until now.James Owen isn't a cowboy, but he likes to think that he lives by the Code of the West. The 72-year-old Austinite is a public speaker who has produced a series of books examining the cowboy way of life and how it's applicable to modern life."I'm not a cowboy," he told me. "I don't wear the hat and the boots. I don't ride and rope. But to me, the cowboy represents the best of America. The courage, the optimism and the plain hard work that made this country great."Owen was a portfolio manager, meaning he did the heavy lifting of moving people's savings and investments from fund to fund. He got a firsthand look at the crash of the financial markets. He didn't like what he saw. It was a world without conscience or integrity."The ideas was to make as much money as you can, as fast as you can, anyway you can," he said. "I couldn't be part of that."He bailed out and thought about life. He wanted to help others. He needed source material."I grew up with the cowboys of the silver screen," he said. "They had a profound influence on my personal life and character."Hollywood hasn't made a classic Western in decades. These movies were morality plays with horses and guns. Sure, they sugarcoated the 19th century as a place where American Indians weren't slaughtered and life on the Plains was like a day in Mayberry.But if you've ever had a chance to watch one of those movies, you saw a guy -- John Wayne, Gary Cooper, Roy Rogers -- who was too good to be true. This guy was polite, a good friend and an honest dude. He always made the right choice, and it was always "the right thing."It's a notion that's pervasive in pop culture, even if it's turned on its head. In Spike Lee's 1989 film "Do the Right Thing," which is about race in America, no one does the right thing. Things burn and everyone loses his cool. Different plot, same idea.Owen pored through historical documents, Western literature and watched lots of cowboy movies. Here's what he came up with:1. Live each day with courage.2. Take pride in your work.3. Always finish what you start.4. Do what has to be done.5. Be tough, but fair.6. When you make a promise, keep it.7. Ride for the brand.8. Talk less and say more.9. Remember that some things aren't for sale.10. Know where to draw the line.You probably live by all of those rules, even if you don't realize it. They're all about loyalty, integrity and common decency."I wanted common sense," Owen said. "Nothing sophisticated. Nothing hard to understand. Something basic and simple that applied to everyone."His rules have been adopted by the Wyoming Legislature as the state's official set of principles.This stuff has real-world applications. Right now. Take, for example, the fractured political landscape."One thing is tearing this country apart," he said. "We've confused personal values and societal values. People think that your standing on an issue defines who you are. The hell it does."Everyone's a hero in Owen's system."If we can agree on these 10 principles," Owen said, "then maybe we can disagree on something."rbragg@express-news.net. Read Bragg's blog at http://blog.mysanantonio. com/atlarge. Follow @roybragg on TwitterCopyright: ___ (c)2013 the San Antonio Express-News Visit the San Antonio Express-News at www.mysanantonio.com Distributed by MCT Information Servicesself storage

　　Nokia 曾於去年底推出一款針對影相功能的旗艦型號 Lumia 920，新蒲崗迷你倉其後繼機種 Lumia 925 明天起正式公開在港發售，機身比上一代纖薄輕巧得多，配備 870 萬像素 PureView 鏡頭，並整合了全新 Nokia Smart Camera 功能。　　雖然是 Lumia 920 的後繼型號，不過無論在設計或用色上，Lumia 925 都與上一代不盡相同。摒棄上代的鮮艷色彩，新機選用較平實得體的黑、白、灰色聚碳酸酯背殼，配以銀色金屬包邊，而且厚度僅為 8.5mm，重 139g，極盡輕薄之能事。Smart Camera 功能加持　　Lumia 925 的重頭賣點，當然是它的 870 萬像素的 PureView 鏡頭，配備 Carl Zessis 鏡頭及支援光學防震功能，影像細緻清晰。為了跟現時同樣標榜拍攝功能的手機抗衡，Lumia 925 特別新增了 Nokia Smart Camera 功能，按一下即能同步拍攝最多 10 張相片，讓用家自行製作 Best Shot、Action Shot 及 Change Faces 等相片修輯效果。而且由於拍攝反應快速，也適用於拍攝如寵物、煙花等高速移動的景物，並支援 1,080p 全高清拍片功能。Here Map 支援離�地圖　　此機的硬件規格也有升級，採用 Qualcomm S4 Snapdragon 雙核心處理器（1.5GHz）、1GB RAM 及 16GB 內存記憶體，不mini storage援 MicroSD 卡，內置 4.5 吋 AMOLED 屏幕，支援 4G LTE 網絡，包括香港使用的 1800 及 2600 頻譜，配合全新的《Windows Phone 8 Lumia Amber》系統，操作便捷流暢。同時，此機亦強化了一些功能，如 Nokia 自家開發的 Here Map 地圖，支援 Livesight 功能，平放手機時會顯示平面地圖，將手機舉高即會見到鏡頭前的 AR 實景，並顯示附近食肆、油站、巴士站等位置。Here Map 現在更可下載指定地區的地圖作離�使用，出外旅遊時可節省數據漫遊費用；另外部分地方更已支援室內地圖，已知香港暫時有 18 個商場可以使用。---------------------------------SPEC　制式：4G LTE + 3.5G + 四頻 GSM　作業系統：《Windows Phone 8》　處理器：Qualcomm S4 雙核心（1.5GHz）　屏幕： 4.5 吋 ClearBlack AMOLED（1,280 x 768）　相機： 870 萬像素 Pure View 蔡司鏡頭，支援 1,080p 拍片　記憶體：16GB RAM、16GB ROM　其他： Here 地圖、Here 導航、7GB 免費 SkyDrive 雲端儲存、藍牙 3.0、NFC 等　體積：129 x 70.6 x 8.5mm　重量：139g　售價：$4,898　查詢：Nokia（2316 6638）self storage

中國擎天軟件（01297）於本月九日掛牌上市，mini storage上市後股價一度跌穿招股價1.45元並低見1.1元，之後股價出現反彈，並重返招股價以上水平，昨日以1.49元收市。擎天軟件過去三年業績擎天為應用軟件產品及解決方案供應商，集團主要開發及推廣出口退稅軟件及相關業務、電子政務解決方案、碳管理解決方案、信息集成軟件，以及系統集成解決方案。公司所提供的產品主要目的是讓中國政府機構及企業更有效地管理其業務及行政流程，其電子政務解決按市場份額計在江蘇省居首位。過去三年擎天的收入及盈利均有顯著增長，複合年增長率分別為22%及28%self storage由於內地視軟件為國家戰略性行業，並已頒布包括稅務優惠及支持研發政策，這均對集團的發展有利，加上凡從事出口業務的公司均需要用有關軟件，故有很大的發展空間。雖然擎天業務概念可取，而且增長潛力可觀，惟公司捲入與南華集團（00265）的法津訴訟。事緣南華聲稱在○○年，以約400萬元與擎天成立合資公司，其後擎天蠶食合營資產，而南華已在本港及南京法院入稟要求賠償2.1億元人民幣。由於事件已擾攘多年，令擎天增添不明朗因素，而且股價已由低位累積反彈不少，相信在八月六日公布首份上市業績前，會先行在1.5元水平整固，暫宜觀望。有盈迷你倉

蘋果公司（Apple Inc.）上季盈利連跌兩季，迷你倉庫但仍好過市場預期，iPhone在市場競爭激烈下仍按年多銷20%，帶動Apple股價昨日美國早段大漲5%。惟Apple上季大中華地區銷售表現失色，按季跌幅達43%，行政總裁庫克更點名指本港銷售表現疲弱，加上邊際利潤下滑等不利因素，部分市場人士預警股價升勢難以持久。Apple上季業績重點本港專門銷售iPhone等智能手機的先達廣場個別零售商指，iPhone一年只推一款新手機，新機更替周期太長，兼且機種又毫無新意，故現時該店約三分之二的客人選擇購買三星手機，蘋果迷只佔三分之一。純利538億大跌22％截至六月廿九日止第三財季，Apple純利按年大跌22%至69億美元（約538.2億港元），或每股7.47美元，勝預期的7.3美元，期內銷售額微升不足1%至353億美元。然而，被視為最大增長引擎的大中華地區急速冷卻，包括中、港、台的大中華地區上季銷售額只有46億美元，按年及按季分別倒退14%和43%，是區內首次錄得銷售倒退。庫克在分析員會議上把區內銷售表現失色歸咎於中國經濟放慢，又點名指本港的實際銷售率（實際銷量佔付運量比率）大跌近20%，但未清楚原因。用戶轉買平價智能機分析指，大中華區對Apple產品降溫，反映消費者轉買平價智能手機的新趨勢，尤其是內地平價智能手機性能表現較以往改善。不過，庫克力撐中國市場潛力龐大，不會因為單季表現而氣餒，又指中國實際銷售率僅跌4%。總之，iPhone上季銷量由去年同期的2,600萬部增至3,120萬部，遠超預期的2,610萬部，但每部平均售價581美元，較前一季減少儲存2美元。Apple指出，售價較低的iPhone 4在部分市場，特別是新興市場受歡迎程度較iPhone 5有過之而無不及，匯率波動是另一個導致平均售價受壓的原因。iPhone上季在美國和日本的銷情亮麗，分別按年跳升51%和66%。令人憂慮的是，Apple其他關鍵產品—平板電腦iPad和桌面電腦Mac上季銷量分別按年倒退14%和7%；上季邊際利潤由去年同期的42.8%下滑至36.9%。庫克不認同高端智能手機市場已見頂的說法，又預告未來數月將有嶄新類型的產品面世。對於蘋果公司行政總裁庫克驚爆本港iPhone銷售差，先達廣場手機專門店囍Like負責人阿Mark表示，蘋果及三星手機的銷售比例由以往的七三比，銳減至現時的三七比，就連店舖陳列櫃都轉以三星、HTC新款電話吸引買家。Mark指，農曆新年後，愈來愈少人購買iPhone。他解釋，用家習慣每半年換一部電話，蘋果一年推出一部手機不合乎用家更替周期，相反三星每隔兩、三個月便有新機推出，因而搶奪了蘋果的市場。位於先達廣場一樓的G-World Mobile負責人劉志剛同樣指，約三分之二的客人購買三星手機，蘋果迷只佔三分之一，比iPhone 5推出時相差甚遠。他指，蘋果一年只出一款手機，且毫無新意；相反三星手機不但款多，而且價格「有平有貴」，他笑言「蘋果已經失去統治的地位」，陳列架不再出現「清一色」只放蘋果產品的情況。庫克評業績?中國市場潛力龐大，不會因為單季表現而氣餒。?iPad佔去整體平板電腦網頁瀏覽量84%，不清楚其他板腦的功用。?不認同高端智能手機市場已見頂的說法，未來數月將有嶄新類型的產品面世。新蒲崗迷你倉

信息來源於四川新聞網 / Cited from http://www.newssc.org/399元就能買一部4英寸屏的3G智能手機，迷你倉這樣的低價由尼彩創造！由工廠價殺入四川的尼彩正在醞釀一場有關3G智能手機的“低價風暴”。眼下，用智能手機玩遊戲、刷微博是最流行的生活方式，不過動輒三四千的價格還是讓人望而卻步，何況讓不少人更心痛的是，新手機入手後就掉價。讓智能手機不掉價是尼彩最近想幹的事，據悉，在手機行業，手機已變成“快消品”，用戶平均換機速度最快6個月，最慢12個月。智能手機業的“摩爾定律”證實，每隔一年，手機的性能會增加一倍，其價格會降為原來的一半。此外，智能手機除去品牌溢價、各級經銷流通成本等，其銷售價格遠遠虛高于實際價值。這讓愛玩智能手機的人不得不面臨這樣的尷尬，新入手的智能手機不到一年時間，價格可能會跌掉一半，特別是3000元以上的高端智能機跌幅更大。以中興、華為、聯想為代表的，主打機型價格在2000元左右的國產智能手機正在快速崛起，不文件倉，這顯然還不能滿足更多普通消費者對智能手機日益膨脹的需求，他們需要性價比更高的智能手機。在此背景下，以工廠店模式著稱的新興國產品牌尼彩隨勢推出399元4英寸大屏3G智能手機，這對整個智能手機行業來說都是一枚“重磅炸彈”。2011年5月，尼彩殺入四川。尼彩集團CEO盧洪波喊出“只賺10元”的口號，讓所有消費者吃驚，也把同行逗樂了，說他是“盧瘋子”。當他公佈《手機成本白皮書》，他似乎又成了行業的異類，自砸飯碗。事實證明，尼彩準確定位到市場對低價手機的需求，堅持走平價手機路線，收穫不俗成績。2011年底，尼彩全國工廠店突破5000家，尼彩手機2012年銷量突破1000萬台。此次尼彩再次“亮劍”，用399元來挑戰大屏智能手機價格極限。如此異于傳統的做法又讓自己置於輿論的風口浪尖。一位從事手機製造的業內人士表示，按照尼彩手機硬件配置，賣399元，不用說人工、店面房租，都很難有任何贏利空間。無疑，尼彩正在將主流配置的國產智能手機拉到一個新低。成都商報記者 朱靜存倉

WHAT is wrong with Europe's banks? The short answer is that the sector is too large, has too little capital, and contains too many players that lack a viable long-term business model.自存倉 It is the combination of the last two factors - an overabundance of banks with no sustainable way to turn a profit - that constitutes the most serious and most difficult problem. The banking sector's size is a cause for concern because, with total liabilities amounting to more than 250 per cent of the eurozone's GDP, any major problem could overburden public budgets. In short, the banking sector in Europe might be too big to be saved.Undercapitalisation can be cured by an infusion of new equity. But the larger the banking sector, the more difficult this might become. More important, it makes no sense to put new capital into banks that cannot return profits for the foreseeable future.Southern Europe's difficulties are well known, but they differ from country to country. In Spain, banks have historically issued 30-year mortgages whose interest rates are indexed to interbank rates such as Euribor, with a small spread (often under 100 basis points) fixed for the mortgage's tenure. This was a profitable model when Spanish banks could refinance themselves at a spread much lower than 100 basis points. Today, however, Spanish banks - especially those most heavily engaged in domestic mortgage lending -?must pay a much higher spread over interbank rates to secure new funding. Many local Spanish banks can thus stay afloat only because they refinance a large share of their mortgage book via the European Central Bank (ECB). But reliance on cheap central bank (re)financing does not represent a viable business model.In Italy, the difficulties arise from banks' continued lending to domestic companies, especially small and medium-size enterprises (SMEs), while GDP has stagnated. Even before the eurozone crisis erupted in 2010, the productivity of capital investment in Italy was close to zero.The current recession has exposed this low productivity, with the failure of many SMEs leading to large losses for the banks, whose funding costs, meanwhile, have increased. It is thus difficult to see how Italian banks can return to profitability (and how the country can resume economic growth) unless the allocation of capital is changed radically.There are problems north of the Alps too. In Germany, banks earn close to nothing on the hundreds of billions of euros of excess liqu迷你倉新蒲崗dity that they have deposited at the ECB. But their funding costs are not zero. German banks might be able to issue securities at very low rates, but these rates are still higher than what they earn on their ECB deposits. Moreover, they must maintain an extensive - and thus expensive - domestic retail network to collect the savings deposits from which they are not profiting.Of course, some banks will always do better than others, just as some will suffer more than others from negative trends. It is thus essential to analyse the situation of each bank separately. But it is clear that in an environment of slow growth, low interest rates and high risk premia, many banks must struggle to survive.Unfortunately, the problem cannot be left to the markets. A bank without a viable business model does not shrink gradually and then disappear. Its share price might decline towards zero, but its retail customers will be blissfully unaware of its difficulties. Other creditors, too, will continue to provide financing, because they expect the (national) authorities will intervene - either by providing emergency funding or by arranging a merger. Recent official tough talk in the EU about "bailing in" bank creditors has not impressed markets much, not least because the new rules on potentially imposing losses on creditors are supposed to enter into force only in 2018.Starting next year, when it takes over authority for bank supervision, the ECB will review the quality of banks' assets. But it will be unable to review the longer- term viability of banks' business models. Current owners will resist to the end any dilution of their control; and no national authority is likely to admit that their national "champions" lack a plausible path to financial viability.Keeping a weak banking system afloat has high economic costs. Banks with too little capital, or those without a viable business model, tend to continue lending to their existing customers, even if these loans are doubtful, and to restrict lending to new companies or projects. This misallocation of capital hampers any recovery and dims longer-term growth prospects.What should be done is clear enough: recapitalise much of the sector and restructure those parts without a viable business model - something unlikely to happen soon. Unfortunately, until it does, Europe is unlikely to recover fully from its current slump. - Project SyndicateThe writer is director of the Center for European Policy Studies迷你倉出租

上市櫃重量級印刷電路板除權秀今（25）日及明天將有重頭戲，迷你倉價錢欣興電子（3037）、F-臻鼎科技及健鼎科技等全台前三大廠密集登場，業者都認為，下半年仍有傳統旺季效應。欣興是全球最大印刷電路板（PCB）集團，高密度連接（HDI）板、積體電路（IC）基板為全台最大，也有軟性印刷電路板（FPC）。欣興已敲定31日召開第2季法人說明會，今天除息1.1元。欣興昨天股價下跌0.6元、收29.9元。對於HDI市場展望，欣興分析，智慧型手機、平板電腦將帶動需求，尤其高階任意層（Any Layer）明年恐供不應求。蘋果公布上季財務報表優於市場預期，鴻海旗下蘋果迷你倉庫PC供應鏈F-臻鼎昨天股價上漲2元、收72.7元。F-臻鼎今天除權息2.5元。F-臻鼎指出，下半年傳統旺季可期，7月營收就會回復到5月水準，8月明顯放量。健鼎是全台第三大PCB廠，將在明天除息2.5元。健鼎的產品雖然也有供應蘋果，但侷限於智慧型手機以外，其他主力產品也應用在個人電腦（PC）的硬碟（HDD）、記憶體模組（Dram Module）及筆記型電腦（NB），近年營收表現相對不具爆發力。但健鼎強調，下半年仍有旺季需求，應用在大陸白牌、品牌智慧型手機的HDI仍佳，近年更大舉開拓薄膜電晶體液晶顯示器（TFT-LCD）面板產能，也挹注本季營收。儲存

　　近年，迷你倉新蒲崗走出國門的中國遊客與日俱增，不過來阿根廷的不多。南半球的阿根廷除了路遠，沒對中國開放個人旅行簽証也是限制因素之一。中國遊客少，言行舉止難免引人注目，在阿根廷卻可說得上是雁過留聲。　　阿根廷旅遊部門工作人員說，來阿根廷的中國人大部分是官方活動和學術交流的團組人員，在阿根廷參觀遊覽，基本沒有不文明行為。　　中國遊客喜歡攝影留念。阿根廷首都布宜諾斯艾利斯“白色宮殿”博物館的工作人員瑪利亞娜說，她很少看到中國人。曾有中國留學生來參觀，學生們對展品充滿了興趣和好奇，不斷拍照，有時忽略了館內一些區域不允許拍照或不允許使用閃光燈的標誌。不過，在說明之後，學生們都能立刻罷手。　　阿根廷自然環境得天獨厚，景色宜人，在特定歷史背景下積澱的文化遺產也有獨特魅力，來自世界各地的遊客不少。袁小姐在阿根廷一家華人旅行社工作，接待中國遊客的機會很多。從她的經驗來看，中國遊客有一些習慣與阿根廷人不一樣，可無傷大雅，在當地人眼中，也沒有形象不佳。　　據袁小姐介紹，中國遊客因為一些固有的習慣而不太適應阿根廷的環境。比如，他們不習慣吃西餐，不習慣喝涼水，買東西喜歡和店家討價還價，這給導遊工作帶來了一定的迷你倉出租度。可認真說起來，這種事情也無可厚非。　　當地導遊曼努埃爾有十多年的從業經驗，在他的印象中，中國遊客通常都有禮貌，而且他覺得中國遊客很浪漫。　　曼努埃爾說，他接待過一個中國旅行團去阿根廷的大冰川遊覽。這些中國遊客在喝完飲料之後，沒有隨手丟棄飲料瓶，而是一直拿在手里。在遊覽過程中，這些中國遊客從腳下的冰川上，小心地敲下來一些碎冰塊裝在飲料瓶里，作為紀念品帶走。這讓他印象深刻。　　他也發現，中國人大多愛在旅遊景點拍照，還愛購買紀念品。曼努埃爾提醒說，在遊客�多的阿根廷旅遊景點，幾乎到處充斥著騙子和小偷，他們擅長用各種方法轉移遊客的注意力，從而竊取財物。最常見的就是把一杯混著鴿子屎的液體潑在遊客衣服上，然後假意幫助他們擦乾淨，以便同伙趁機下手。此外，還會有人向遊客兜售一些小商品，然後拿假幣找錢給他們。　　“我覺得中國遊客都很友好也很有禮貌，但他們應該更加注意自己的安全，”曼努埃爾說。　　他也注意到中國遊客購物的熱情和開銷都不小。“中國人很喜歡買東西，他們會買很多，但最好要在正規的商場買，以免自己上當受騙，”曼努埃爾善意建議。(趙燕燕 張小影)標簽：中國 阿根廷 曼努埃爾 中國人 遊客儲存倉