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The efficiency of the enterprise market collaborative communication tool for undertaking a hit Sohu 虐爱小神父下载

The efficiency of the enterprise market collaborative communication tool for undertaking a hit? The Sohu financial industry pain points to become entrepreneurs in the entrance, and a large number of enterprises to solve the internal cross sectoral, cross functional communication and collaboration tools, such as Ali nail, Wang Tong, Yixin industry Dingdang, Grouk, Callin, e-Link, UcStar, Huaxia Yilian RTX as emerged like bamboo shoots after a spring rain. In recent years, China’s Internet industry presents fission growth, whether it is work, study or life, the Internet has shown unprecedented penetration. When the C end consumer business such as social, communications, electricity providers, games and other industry pattern has been basically fixed, B end enterprise services began to become a new round of fighting positions. Now, capital access, giant layout, small and medium-sized entrepreneurs also stare at the efficiency of the supremacy of the enterprise market, but who can move this trillion market, become the new overlord? Entrepreneurs how to cut in, what will be faced with?   the unlimited potential of the enterprise market, there are still many problems in cooperative communication in May 2014, Baidu Robin Li a "future of a big cake China Internet speech in the enterprise software market" by numerous people, people gradually began to look from the consumer 2C service to enterprise 2B service. According to IT orange data show that in 2014 the domestic enterprise level service investment has 230, compared with 67 in 2013, an increase of 243%, and has increased year by year. Our data from the contrast between China and the United States can see huge opportunities in the field of toB, such as the Sino US venture capital investment in To  B and To  C two areas of investment proportion is 95%, China (To  C): 5% (To  B), and the United States is 40% (To  60% (B): To  C), the number of enterprises in the United States now 2700 10000, Oracle, in the United States three business services company SAP, Salesforce and the market value of around $350 billion. China now has about 22 million enterprises, more than 43 million entrepreneurial team, but there is no billions of dollars of market value of enterprise service companies. In fact, from the information service to the transaction service, from entertainment to the Internet, 2B market is indeed to be excavated, especially people in the enterprise application scene communication, collaboration, marketing and management of diversification more attention to reduce the communication cost and improve the efficiency of decision-making, and the enterprise market reality communication there are still many problems together. This is reflected in the following aspects: 1, because the organization level, company wide geographical distribution, the informatization level is uneven, all kinds of heterogeneous systems division management makes the information transmission level, or because of others for the maintenance of human information filtering part or modify information, resulting in information distortion, the formation of communication barriers. 2, under the influence of feudal culture, the concept of enterprise hierarchy is heavier, the management of the patriarchal system everywhere, superiors condescending, subordinates subordinate to the higher compliance, dare not say,. 效率至上的企业市场 协同沟通工具创业无有看头?-搜狐财经  这些行业痛点恰好成为创业者们的切入口,于是一大批为解决企业内部跨部门、跨职能的沟通协同工具,如阿里钉钉、叮当旺业通、益信、Grouk、Callin、华夏易联e-Link、UcStar、RTX等如雨后春笋般涌现。   近年来,我国互联网行业呈现裂变式增长,无论是工作、学习还是生活,互联网都呈现出前所未有的渗透力。当C端消费级业务如社交、通信、电商、游戏等行业格局基本已定,B端企业级服务就开始成为新一轮厮杀的阵地。如今资本进入、巨头布局、中小创业者也死死盯着这块效率至上的企业市场,但谁才能撬动这个万亿级市场,成为独占鳌头的新霸主?创业者又该如何切入,还会面临什么问题?     潜力无限的企业级市场,沟通协同仍有诸多问题   2014年5月,百度李彦宏一番“未来中国互联网的一个大蛋糕在企业级软件市场”的言论惊醒了无数人,人们开始逐步把眼光从消费级2C服务转向企业级2B服务。据IT桔子的数据显示,2014年国内企业级服务投资有230起,相比2013年的67起,增幅达到243%,并在逐年增长。我们再从中美的对比数据中也可以看出toB领域的巨大机会,比如中美风险投资在To B和To C两个领域的投资比例,中国是95%(To C):5%(To B),而美国是40%(To B):60%(To C),如今美国的企业数在2700万家左右,在美国三家企业服务公司Oracle、SAP、Salesforce市值之和就在3500亿美元左右。而中国目前有2200万左右的企业,创业团队超过4300万,却还没有百亿美元市值的企业服务公司。   其实从信息服务到交易服务、从娱乐化到实用化的互联网渗透中,2B市场确实有待挖掘,尤其是人们在通讯、协作、营销、管理等多样化的企业应用场景中越来越关注对沟通成本的降低和决策效率的提升,而现实中企业市场的沟通协同仍有诸多问题。这集中表现为:   1、因组织层级多,分子公司地域分布广泛、信息化水平参差不齐,各类异构系统分立管理等使得信息传递层次多,或因个别人为维护人情过滤部分信息或对信息进行修改,造成信息失真,形成沟通障碍。   2、受封建文化影响,企业等级观念较重,管理者家长制无处不在,上级居高临下,下级对上级多顺从迎合,有话不敢说、有事不敢问,造成沟通单向性;据中国企业家调查系统显示,企业职业活动中最关心“上级主管部门的评价”的员工占人数的67.3%,而这种家长制、等级制沟通模式,降低了沟通质量。   3、日常沟通过程中,因使用各类IM如QQ、微信、百度HI、飞信等,再加上各类邮件工具,导致沟通工具凌乱,信息呈碎片化,协同难度大。   4、最常用的邮件IM因其产品功能问题易造成信息割裂,办事效率低,比如传统的IM消息只能投递到一个客户端,如果在手机上收到了,电脑却可能没有收到。再比如消息不能检索或者只能检索本地数据,历史留存上看不到相关群组之前的沟通信息,不利于新人融入团队。还容易导致信息丢失,如果不及时或者来不及看消息,就会丢失大量重要的过往信息。另外传统IM在回复消息和话题讨论上也有缺陷,比如不能针对某一话题反复深入探讨,而不必担心被其他消息湮没,不能定时处理和回复消息等等。   这些行业痛点恰好成为创业者们的切入口,于是一大批为解决企业内部跨部门、跨职能的沟通协同工具,如阿里钉钉、叮当旺业通、益信、Grouk、Callin、华夏易联e-Link、UcStar、RTX等如雨后春笋般涌现。   微信、钉钉、班聊、Grouk四个角度切入,各有优劣   如果从时间维度划分,我们多数人主要分为生活和工作两个场景,其中生活场景衍生的是个人消费,如今阿里和腾讯已成霸主,而在工作场景中,尽管不同企业在规模、行业、流程上有所不同,它们却都有一个共同点,即需要大量的内部沟通协同。尤其是沟通协同工具还有可能成为企业场景下O2O线下服务的入口,让人浮想联翩。今日我们挑选其中四款评述,已探其发展方向。   微信及其企业号:成也个人,败也个人   背靠微信的庞大用户数,微信企业号曾被寄予重大厚望。2015年12月,微信官方首次披露,微信企业号用户数达到1000多万,接入企业数超过60万。可惜看似全能的微信及其企业号,却一直没有引起市场较大关注,究其原因,除了在微信内部和腾讯公司没有受到足够大的重视外,还受自身定位和用户习惯影响。   第一、定位不是工作的微信,难以承担提高工作效率的重任。微信强调的是沟通流程,沟通之外的事情并不擅长,即便微信企业号拥有各类接口,能实现多项功能却少有人使用。有数据显示,超过70%的员工对微信工作群开启了消息免打扰。所以即便你激情四射在微信里安排工作,对方很可能根本不关注。而你通过微信请假、报销看起来方便,行政、人事却不一定认。而且微信里还有亲朋好友的对话、公众号里的文章、朋友圈里的动态等各种“骚扰信息”,必然占用员工时间、影响工作效率。   第二、用户的使用习惯和心智模式也决定了微信成不了企业级市场的霸主。多数人把微信看做是私人生活的通信工具,而不是工作道具。即便你在群里可以@同事“指手画脚”,他们看到都不一定执行,再说有没有做,通过微信你也无法跟进。这无关责任心和工作激情,仅仅是人在不同的场景下,需要不同的沟通工具。   所以微信天生不是为工作和企业场景而生,它在C端越强大,其离B端则越远。未来腾讯依靠微信及其企业号攻占B端显然不太靠谱。   钉钉:产品功能用力过猛,未来成疑   与把“一个生活方式”作为Slogan的微信对应的是这个用“一个工作方式”作Slogan的钉钉,2015下半年,阿里巴巴旗下软件钉钉独立成钉钉事业部,并宣称将投入 5 亿元作为品牌宣传费,如此大张旗鼓,可见马云希望从连接消费端和商家端的维度打造另一个微信。如今钉钉已陆续推出C-OA(钉应用)、C-Space(钉云盘)、 C-Mail(钉邮箱)等功能,未来钉钉还可能提供包括但不限于CRM、ERP、OA、HRM、财务管理、差旅管理、协同办公、云存储、会员管理、客服管理、进销存管理等多个领域的服务,这种巨无霸的打法早已突破了IM的界限,依靠阿里的资源和资金在跑马圈地。截止到11月初,钉钉平台接入的企业已超过85万家,2015年钉钉的企业数量一定可以突破100万。但这些成绩并不意味着钉钉已经成功,未来之路钉钉仍不太明朗。   一是钉钉用力过猛的产品功能并未“讨好”到所有用户。以它的Ding功能为例,这个功能据说阿里内部都争议不断,这种自上而下的强压式的沟通方式确实让老板很爽,却严重打击了员工的使用热情。再说通过ding消息发出的任务,缺乏有效的管理和后续跟踪,也没法提高工作效率。殊不知沟通协同工具需完成自上而下和自下而上的融合:自下而上解决一线执行员工的实际问题,强调工具属性;自上而下解决老板管理问题,强调管理属性。只有在上端有客户价值,让老板成为最终买单者;在下端有用户价值,让一线用户使用体验好,才能完成沟通协同工具的使用价值和商业价值的转换。   二是钉钉的PC版本和移动端并未完全融合,直接影响了用户体验。目前,大多数人办公还是在电脑上,钉钉移动端难以上手办公,而钉钉的PC端又太过简陋,再加上些让人谛笑皆非的功能性BUG,要让用户给个高分可能性不大。   三是钉钉的定位逐渐模糊,尤其是在12月初,钉钉推出红包功能。看似解决了中小企业主表扬员工发奖励时的麻烦问题,实则只是画蛇添足。如今微信红包用户习惯已成,钉钉并未构建出新的使用场景,支付宝红包都没有完成的任务让钉钉去做,实在有点强人所难。   看来钉钉还是得继续摸索,尽管阿里熟悉做B端产品,但工作场景之下的用户需求和电商的用户使用习惯还是有巨大差别,只希望钉钉不是下一个来往。   班聊:想做的事情太多,前景也不明朗   班聊或可说是个奇迹,成立四年,试运营不到4个月就拿到了金沙江创投、UMCCapital、富厚资本等国内知名风投的1.4亿元融资。目前班聊imo注册用户数438万,其中付费用户30万,日活占比70%,这个数据算不上漂亮,但在高手林立的IM市场上能活下来实属不易。这和imo在企业级市场沟通协同的沉淀无不关系。   不可否认,班聊imo抓住了PC端企业工作场景,知道企业场景下,90%以上的上班族还需通过PC电脑进行日常办公。他们在企业工作场景中也牢牢抓住了高频服务内容,为自己的生存争取了空间。   但班聊目前最大的问题就是想做的事情太多,不太关注。或许正如他们产品核心理念描述的是“掌控”,希望把企业办公场景中的所有工作内容都用他们家一个工具完成,于是“任务”“日程”“审批”“公告”“对话”“轻审批”等各类功能层出不穷,去实现所谓的沟通协同一体化、轻OA、任务协同、掌控等功能设计和构想。只是这样的体量和竞争格局,就眉毛胡子一把抓,班聊imo真能Hold住么。尤其是原来宣称永久免费,却在近期突然收费,这让用户们情何以堪。   Grouk:更正确的未来? 未来之路漫漫   相对于班聊imo,Grouk则表现得相对专注。他们从团队内部沟通效率低,沟通工具太多,尤其是创业团队在面临多重交叉任务时,经常面临沟通混乱效率低下的行业痛点出发,去实现企业团队的沟通、合作、决策流程的优化。他们针对于企业协同沟通问题和现有协同沟通工具产品功能上存在的不足做了特定的优化,第一做到了可以做到所有信息可以永久保存,即时检索;其次开发了话题功能,可以让大家可以在IM里讨论话题,就像在邮件里一样方便,兼顾了效率和功能。第三是强大的互动集成功能,可以在群里集成公司里几乎所有的工作工具,他们的理念是集成其他的应用的消息流,而不是自己去实现,这是一个更可行的方法,比班聊和钉钉的自己实现更适合企业的需要, Grouk还集成了比如微信微博这类客户沟通工具,实现了信息互通(可接受微博、微信的信息也可直接回复),这是钉钉等这类主要以通讯为主的工具所都不具备的。   但他们也面临着一些问题,比如体量小,面对巨头强敌,如何招架应对是对他们团队最大的考验。再比如成立时间短,从用户获知到用户信任再到用户沉淀还需要一个过程。   总之未来留给Grouk的也有诸多可能。在大鱼吃小鱼、快鱼吃慢鱼的2B领域,大家都需要快跑。   向前看,协同沟通工具未来大趋势以及还有哪些坎   如此看来企业服务市场上沟通协同工具类产品还未成定局,巨头们虽有优势也并未拿到绝对话语权,创业者仍有机会。那未来如何发展,我们不妨预测一下。   躲不过的未来大趋势   首先,企业级市场服务的创新极有可能产生于中小企业服务中,他们并非拥有强大的技术,却从从细小的应用 服务场景找到自己的位置,关注于某一特定市场。类似Grouk以“聊天”这样一种简单又高频的行为作为切入点,并打破当前IM和邮件割裂的状态,通过和邮件集成,让IM和邮件互通,从而实现像聊天一样的发邮件,高效管理在聊天中形成的任务和文件。   其次,随着应用场景多样化,沟通协同工具通用产品免费,行业深度服务付费,未来决胜的关键不再只是单纯的产品销售,而是产品体验和服务的强化。   再次,产品应用及功能趋向集成,人们不再需要多个APP,更加希望一个应用就能解决工作场景中的所有问题,是否能将团队日常所需的各种第三方工具的集成到协同工具中也将直接影响到用户体验。同时,双向集成将成为标配,也就是要从简单的通知中心升级成通知加处理中心,用户在查阅到相关通知的同时,还可以进行相应的处理。   最后,基于SaaS的协同融合并向移动化深入是必然方向。巨头通过快速收购来完成布局,中小创业者可借助开放平台获得发展。随着企业自身的移动信息化的发展、协同沟通工具的移动化变得必不可少。   而沟通协同工作平台打造工作统一入口,实现企业内部与外部、企业与企业之间连接的使命是否完成的标志则是是否建立起企业社交生态链。   除了光明的前景,当前还有些挑战需要处理。比如:   1、大蛋糕下充分竞争带来的市场压力,尤其是对于初创公司,一方面需要处理因快速发展由几个人到上百号人团队扩大带来的管理问题和用户激增的运营问题,一方面还要面对行业的各类竞争状况。   2、企业市场表面上不温不火,实则暗流涌动。这考验着创业团队的全网整合能力,包括技术上移动IM通信的开发能力、企业市场的理解能力和资源的协调能力等。   3、协同沟通工具某种意义上仍是一类社交产品,而社交产品都有自己的生命周期,如何筛选用户、让用户永不厌倦、保持好的平台粘性也是协同沟通工具需要考虑的。虽说企业市场用户相对稳定,但企业内部的人员流动引起的平台问题却是不可忽视的。   总之,在这个万亿级企业市场中,沟通协同满足着入口级产品的五点条件:刚需、痛点、高频(天天使用)、强场景(延伸性强),连接(企业内部、企业和企业之间),这对于巨头和创业公司而言,都是机会,扎根于此的从业者只有把握用户痛点优化体验才可能赢到最后。相关的主题文章:

Lun copper long rally counterattack, still facing the trend of variables 河月蟹日

Copper bull market outlook still variable counter rally hot column capital flows thousands of thousands of stocks on diagnosis of the latest rating Trading Client reporter Ye Siqi – Simulation of continuous decline in early January, mid January, copper hair from the counter. Traders’ positions on the London Metal Exchange (LME) released on Tuesday showed that the number of net copper futures held by the fund increased from 1600 to 12789 in the previous week as of last Friday. This offensive helped to touch the bottom and regain the $4500 mark. Analysts pointed out that the current point of long and short game fierce, the market stalemate, but in the short term, due to the metal demand is still stable, and in terms of supply, production cuts, shortages, so the future copper prices are expected to continue to rebound. The plot is always so similar. Similar to the market at the beginning of last year, this year’s opening, copper copper also ushered in a slump. Since January 4th, LME copper in March has gone down from $4700 per ton, and after the breakdown of $4500, the minimum drop to $4318 per ton, the cumulative decline of 7.75% in 10 trading days. However, the bulls were not defeated, but began to rally after a slight adjustment. LME’s recent dealer positions report showed that as of January 29th, the number of net copper futures held by the fund increased from 1600 to 12789 hands from the previous week. Under the surge of more troops, Lun copper started bottoming out in mid January. At present, LME copper March $4500 mark has been recovered, both long and short in the current point of stalemate. As of 17:00 February 3rd Beijing time, the contract reported $4588, rebounded more than 4%. Nanhua futures analyst Fang Senyu in an China metal Securities Daily reporter said, this round of price bottomed out mainly the following reasons: first, the trend of the RMB market to stabilize, China economic growth concerns about the decline slowed, prices did not decline further power, the power market is short covering. Secondly, the economic data recently released by the United States is relatively weak, 3 month fed once again raising the interest rate is not the probability, although the United States that continue to remain high, but rising space temporarily blocked to the copper market to bring respite. Third, from the time point of view, before the arrival of the lunar year demand empty window period has not been left a few days, although not optimistic about the trend of copper prices throughout the year, but the rise in demand in the first half of the year is still worth looking forward to, which has support for copper prices. The copper market is expected to fill the market after the market, and the Fed rate hike will be slower, because the recent U.S. economic data is not satisfactory, which makes copper prices get breathing opportunity." COFCO futures research institute director Zeng Ning said. David Wilson, head of Citigroup’s metals research and strategy, also said that the Chinese Spring Festival is approaching, which may prompt some funds to liquidate part of their positions. It is understood that the funding of institutional funds has been an important bull in copper city, they mainly through passive index investment to do more. theory

伦铜多头集结反攻 后市走向仍存变数 热点栏目 资金流向 千股千评 个股诊断 最新评级 模拟交易 客户端    □本报记者 叶斯琦    在1月初连续下挫后,1月中旬开始,伦铜多头发起反攻。伦敦金属交易所(LME)周二发布的交易商持仓报告显示,截至上周五,基金持有的期铜净多仓数量从之前一周的1600手增至12789手。这波攻势帮助伦铜触底反弹,重新收复4500美元关口。分析人士指出,当前点位多空博弈激烈,行情胶着,不过短期来看,由于金属需求仍稳固,且在供应方面产量削减、出现短缺,因此未来铜价仍有望继续反弹。    伦铜多头集结反攻    剧情总是如此相似。与去年年初的行情如出一辙,今年开局,伦铜也迎来一轮暴跌。1月4日起,LME 3月期铜从每吨4700美元上方一路下行,击穿4500美元之后,最低下探至每吨4318美元,10个交易日内累计跌幅达7.75%。    不过,这次多头并没有溃败,而是稍作调整后开始集结反攻。LME最近的交易商持仓报告显示,截至1月29日,基金持有的期铜净多仓数量从之前一周的1600手增至12789手。    在多头增兵之下,伦铜也从1月中旬开始触底反弹。目前,LME 3月期铜的4500美元关口已经失而复得,多空双方在当前点位胶着。截至北京时间2月3日17:00,该合约报4588美元,反弹幅度超过4%。    南华期货金属分析师方森宇在接受中国证券报记者采访时表示,此轮铜价触底反弹主要有以下几方面原因:首先,人民币走势趋稳,前期市场对中国经济增速下滑的担忧减缓,铜价没有进一步下滑的动力,市场也有空头回补的动力。其次,近期美国公布的经济数据相对较弱,3月份美联储再次加息的概率不大,尽管美指继续维持高位,但上升空间暂时受阻,给伦铜市场带来喘息之机。第三,从时间角度来看,在农历年到来之前的需求空窗期已没剩几天,尽管不看好全年铜价走势,但是上半年需求回升还是值得期待的,这对铜价有支撑。    “伦铜走强主要因市场预期节后国内将补库,同时美联储加息进度或将较为缓慢,因近期美国公布的经济数据不尽如人意,这使铜价获得喘息的时机。”中粮期货研究院总监曾宁说。    花旗集团金属研究及策略主管David Wilson也表示,中国春节临近,可能会促使一些基金平掉前期部分头寸。    据了解,资金雄厚的机构资金一直是铜市重要的多头力量,他们主要通过被动指数投资做多。2009年和2010年曾经有一段时间,伦敦交易员都急切地等待每月初基金进入金属市场。然而,持续的低回报使得养老基金对商品市场失去信心,资金流向可能发生逆转。    “中国因素”仍可期待    由于铜在建筑业和工业中有着非常广泛的应用,且中国是铜的第一大消费国,占全世界消费量的45%,国内外对冲基金通常会用铜价来表达自己对中国经济的看法,因此铜赢得了“铜博士”的美誉。    “中国因素”历来是影响铜价走势的主要逻辑。中国海关公布的数据显示,中国去年精炼铜进口量为368万吨,较2014年增加2.5%,创纪录高位,尽管经济成长放缓。    “能拯救商品市场的,只有中国。”国际投行高盛表示,眼下要让铜、铝等市场走向平衡,只能寄希望于中国的金属需求大幅上升。但高盛在详细论述之后不得不表示,由于全球最大买家中国正致力于从投资引导型经济模式转型,其对金属的需求将受到影响,任何寄希望于中国需求重返高位的价格反弹终究是昙花一现。    即便如此,近期不时传出关于中国经济的乐观消息,也在短期内继续利好铜价。周三公布的一项民间调查显示,中国1月服务业扩张速度为六个月最快,帮助抵消了制造业的部分颓势。更值得注意的是,中国央行最新宣布,不限购城市居民首套房贷首付比例最低可降至二成,这将降低居民购房杠杆,扩大购买力,为楼市销售加油添火,此消息也对铜需求的复苏有所帮助。    中国方面的乐观消息促使有色金属延续反弹态势。昨日,有色金属集体走高,其中沪锌更是强势上扬,主力合约盘中触及一个月高位13445元 吨,尾盘收高1.55%,报13415元 吨。    谈及“中国因素”,方森宇表示,自中国加入WTO以来,中国市场逐步成为主导全球大宗商品需求的主要动力,铜当然也不例外。中国开启供给侧改革,特别是房地产市场去库存,对于改善市场的需求有非常重要的作用,有利于拉动包括铜在内的大宗商品的消费,铜价将会获得一定的支撑。不过在此过程中,相关部门也将会掌握一个度,铜价只会得到有限的支撑。    多空博弈料加剧    放眼全球,资本市场的风起云涌令整个大宗商品市场乃至股市都变得更为复杂,“铜博士”自然不能独善其身。随着原油价格持续低迷,与其呈正相关的铜价可能不容乐观。芝商所Erik Norland认为,原油与铜价呈正相关性,其价格已经跌至历年低位,在触底之前甚至可能进一步下跌。他指出,铜需求的增长不会很快,并且增长速度可能落后于供应,因此铜价在2016年或2017年跌回2009年的低位并不令人意外。    对于铜和其他资产的相关性,方森宇表示,从宏观面来说,铜与原油、股市等相关性非常密切。第一条路径,2015年下半年,人民币贬值和中国股市大跌,导致市场对中国经济增速放缓的担忧加剧,从而导致大宗商品价格下跌,目前来看这种逻辑依然有效。第二条路径,美联储加息,使得全球资本回流,导致股市下跌、美元指数上涨,进一步促使铜和原油因此价值重构而下跌,这种逻辑在2016年也将继续。可以说,铜、股市和原油这三者之间存在非常紧密的相关性。不过从基本面来看,又各有各的不同,铜价在2016年仍然关注需求季节性回升和供过于求进一步恶化,原油价格需关注OPEC国家与其他国家之间的博弈,而股市需要更关注全球金融市场的动态。    “目前铜价在阶段性筑底当中,但2016年仍然有可能继续创新低。”方森宇认为,主要原因是年后面临国内下游需求的季节性回升,同时美联储加息节奏的趋缓也给市场带来喘息之机,铜价因而有反弹的基本条件。不过反弹幅度不宜看得过高,因为全球市场需求改善有限,而供应增速继续走高,产能过剩可能会进一步恶化。美联储已经步入加息周期,全球宽松格局已经打破,美指仍有可能继续走高,从而压制整个大宗商品市场。由此来看,铜在2016年或许还会创新低,上半年也许只是一个阶段性的底部。    “短期内伦铜可能继续处于探底反弹的态势,主要受到节后季节性需求复苏的影响,但我们预计在国内需求整体偏弱的背景下,铜价的反弹幅度将比较弱,在季节性补库结束后,铜价将结束反弹回归跌势。”曾宁说。    不过,也有分析师对未来铜价的上涨信心十足,主要原因是金属需求仍稳固,而在供应方面,产量削减且出现短缺。    “尽管近来经济数据疲软,我们仍相信大宗商品整体需求,尤其是基本金属的需求将保持强劲。”德国商业银行称,随着行业内广泛的减产,今年很多基本金属市场将出现供应短缺,这将为金属价格反弹提供动力。 新浪声明:此消息系转载自新浪合作媒体,新浪网登载此文出于传递更多信息之目的,并不意味着赞同其观点或证实其描述。文章内容仅供参考,不构成投资建议。投资者据此操作,风险自担。 进入【新浪财经股吧】讨论相关的主题文章:

Real estate loans in 2015 amounted to 21 trillion and 10 billion 凤于九天28在线阅读

2015 real estate loans for the 21 trillion and 10 billion Beijing 11 February, Xinhua (reporter Liu Zheng) released on the people’s Bank of China before the data show that the end of 2015 personal property loans in China increased 23.2% over the previous year, the growth rate of 5.7 percentage points higher than the previous year, the growth rate of 8.9 percentage points higher than the loan. Central bank statistics show that by the end of 2015, China’s personal housing loans balance of 14 trillion and 180 billion yuan, an increase of 2 trillion and 660 billion yuan, an increase of 936 billion 800 million yuan. In the real estate development loans, the end of 2015, the national real estate development loan balance of 5 trillion and 40 billion yuan, an increase of 17.9%, the growth rate is 3.8 percentage points lower than the previous year. Among them, the loan balance of affordable housing development was 1 trillion and 820 billion yuan, an increase of 59.5%, an increase of 2.5 percentage points higher than the end of last year. In the field of real estate development loans, the balance of real estate development loans in the end of 2015 was 1 trillion and 520 billion yuan, an increase of 12.8%, an increase of 12.9 percentage points lower than the end of last year. Together, including individual housing loans, real estate development loans, real estate development loans, real estate loans at the end of 2015, amounted to 21 trillion and 10 billion yuan, an increase of 21%, higher than the previous year growth rate 2.1 percentage points; the annual increase of 3 trillion and 590 billion yuan, an increase of 843 billion 400 million yuan, accounting for the annual incremental incremental loans accounted for 30.6%. 2.5 percentage points higher than last year. Enter Sina Financial shares] discussion

2015年房地产贷款余额为21.01万亿   新华社北京2月11日电(记者刘铮)中国人民银行日前发布的数据显示,2015年末我国个人购房贷款余额比上年末增长23.2%,增速比上年末高5.7个百分点,比各项贷款增速高8.9个百分点。   央行统计显示,2015年末我国个人购房贷款余额为14.18万亿元,全年增加2.66万亿元,同比多增9368亿元。   在房产开发贷款方面,2015年末全国房产开发贷款余额为5.04万亿元,同比增长17.9%,增速比上年末低3.8个百分点。其中保障性住房开发贷款余额为1.82万亿元,同比增长59.5%,增速比上年末高2.5个百分点。   在地产开发贷款方面,2015年末我国地产开发贷款余额1.52万亿元,同比增长12.8%,增速比上年末低12.9个百分点。   综合起来,包括个人购房贷款、房产开发贷款、地产开发贷款等在内的房地产贷款,2015年末余额为21.01万亿元,同比增长21%,增速比上年末高2.1个百分点;全年增加3.59万亿元,同比多增8434亿元,增量占全年各项贷款增量的30.6%,比上年占比高2.5个百分点。 进入【新浪财经股吧】讨论相关的主题文章:

double 11&quot 通辽职业学院贴吧

Alibaba: World cloud computing leader – Sohu finance Xinhua news agency in Hangzhou on 25 February,   Title: Alibaba: World cloud computing leader Xinhua News Agency reporter Wang Zheng, Zhang Yao as the world’s largest business platform, by market competition and support needs guidance in the innovation of science and technology, is becoming a Alibaba the ecological system, constitute the driving force of enterprise development. 91 billion 217 million yuan, completed within 24 hours of payment – this is related to the company’s stock movements in 2015 "double 11" Alibaba platform amazing transcripts. The first few years of "double 11" failure to pay, as the status of logistics warehouse explosion has become a "past tense", upgrade data technology era China commercial infrastructure is "stress test". Ali cloud President Hu Xiaoming introduced, in order to support the "double 11" huge trading volume, the Alibaba’s engineers built the world’s largest hybrid Cloud Architecture, Ali also became the first core trading system on the "cloud" of the large Internet Co, making full use of advantages of cloud computing resource scheduling flexibility. These technologies are accelerating outward output through Ali cloud. From the beginning to serve their own electronic business platform, Ali cloud through sustained technical assault, has now become the world’s cloud computing field leader". With revenue scale calculations, Ali cloud ranked first in the world in the first half of 2015, breaking 4 world records in the top fifth games. Particularly noteworthy is that Ali Cloud Computing Conference every year, "one vote hard to find", driven by the whole society of cloud computing entrepreneurship, innovation boom. During the Spring Festival, the official ticketing website of railway ticketing 12306 faces the problem of high concurrent processing similar to "double 11". At the peak of ticket sales in early spring this year, Ali cloud public computing platform diverted more than 12306 of the 75% sites to inquire traffic volume, helping them to tide over the traffic flow smoothly. The technological innovation and the role of Alibaba is more and more widely, its ant gold service evaluation and application is one of them through technological innovation to explore online credit, the traditional process of the development of "sesame credit" can greatly simplify the public bicycle rental, as long as the user credit up to a certain level, can realize the fast car line. "Sesame credit and our cooperation has been more than 1 years, many sesame credit users in my car rental is free deposit.". The original car rental process takes five or six minutes to ten minutes, sesame credit may end in two or three minutes, saving time. Online credit can not only be evaluated, but also can be applied practically." Shenzhou rental car CIO Liu Yaxiao said. Ali developed by the company’s rookie network, the use of electricity supplier big data woven into Skynet real time forecast for the express, accurate navigation, in helping China Express Logistics rapid growth, accelerate the transformation of China Express logistics. During the "double 11" period in 2015, more than 50% of the parcels were connected to the rookie real-time forecasting system, which contributed to the completion of massive transactions. Because the "rookie" can provide accurate real-time forecast to the network, and do the algorithm optimization, the express company can not complete the delivery of the parcel order data to screen out, timely feedback express company total 阿里巴巴:世界云计算领域的“领跑者”-搜狐财经   新华社杭州2月25日电 题:阿里巴巴:世界云计算领域的“领跑者”  新华社记者王政、张遥  作为全球最大的电商平台,由市场竞争和支撑需求导引的科技创新,在阿里巴巴正成为一种生态体系,构成企业发展的驱动力。  912.17亿元,24小时内顺利完成支付――此为 相关公司股票走势 2015年“双11”阿里巴巴平台惊人的成绩单。最初几年“双11”支付失败、物流爆仓等状况已然成为“过去时”,数据技术时代的中国商业基础设施正在“压力测试”中升级。  阿里云总裁胡晓明介绍,为了支撑“双11”巨大交易量,阿里巴巴的工程师们搭建了全球最大规模的混合云架构,阿里也成为率先将核心交易系统上“云”的大型互联网公司,充分利用云计算的弹性优势调度资源。这些技术正在通过阿里云加速向外输出。  从最开始服务于自身电商平台,阿里云通过持续技术攻坚,如今已成为世界云计算领域的“领跑者”。以营收规模计算,阿里云2015年上半年位列全球第5位,在顶级比赛中打破了4项世界纪录。尤为值得关注的是,阿里云每年的云计算大会“一票难求”,带动全社会云计算创业、创新热潮。  春运期间,铁路售票官方网站12306面临与“双11”相似的高并发处理难题。今年初春运售票高峰期,阿里云公共计算平台分流了12306网站75%以上的余票查询流量,帮助其平稳度过流量高峰。  阿里巴巴的技术创新及作用越来越广泛,旗下蚂蚁金服通过技术创新探索网上信用的评估与应用就是其中之一,其开发的“芝麻信用”可大大简化公共自行车租赁的传统流程,用户只要信用达到一定等级,就可实现线上快捷租车。  “芝麻信用和我们合作已经有1年多时间,很多芝麻信用的用户在我这里租车是免押金的。原来租车流程需要五六分钟到十分钟的时间,有芝麻信用可能两三分钟就结束了,节省了时间。网上信用不但可以评估,而且可以实实在在应用。”神州租车CIO刘亚霄说。  阿里旗下公司开发的菜鸟网络,运用电商大数据织成“天网”为快递实时预报,精确“导航”,在助力中国快递物流高速增长之时,加速着中国快递物流转型。2015年“双11”期间,覆盖50%以上包裹的网点全部接入菜鸟实时预报系统,为完成海量交易作出了贡献。  由于“菜鸟”能提供精确到网点的实时预报,并做了算法优化,可把快递公司未完成派送的包裹订单数据筛选出来,及时反馈快递公司总部,使其有针对性地着手改善。圆通快递运营“菜鸟鹰眼”4个月之后,“超时异常件”的比例下降了30%。  记者了解,阿里村淘现正通过技术创新,搭建“工业品下乡”和“农产品进城”的技术、标准体系。同时,启动满天星“点亮中国”的溯源项目正在启动――通过一品一码打造可溯源的农产品网销体系,解决“农产品进城”的追溯、监管难题。  从快速发展的网购市场倒逼技术进步,到技术攻坚应对交易“海啸”等高并发难题,再到打造互联网科技创新的“生态群落”,科技创新已成为阿里发展的强劲驱动力。来源新华社)相关的主题文章:

February 3rd 三国牛人附身记

Phoenix Financial farm the enemy approached the walls clients view the latest market and prepared to meet the challenge on Wednesday (February 3rd) employment survey report of ADP showed that the private sector employment in the United States in January than expected increase of 205 thousand, suggesting that the U.S. January non farm employment data. Non manufacturing PMI is expected, Dudley once again dovish voice, the United States refers to crash technology powei. Investors turned to hedge gold, bonds and gold. EIA inventory, although expected to exceed, will not prevent crude oil from skyrocketing. ADP and Moody’sAnalytics prediction mechanism of human resources services company on Wednesday (February 3rd) announced the employment survey report shows that the United States Employment in the private sector in January than expected increase of 205 thousand, recorded a good performance, suggesting that the U.S. January payrolls data, U.S. labor market continued strong. Specific data show that the United States in January the number of ADP employment increased by 205 thousand, higher than the expected value of 195 thousand, the former value increased by 257 thousand, revised to increase by 267 thousand. Wednesday (February 3rd) Beijing time 23:00 announced the U.S. ISM January non manufacturing PMI data was significantly less than expected, only 53.5, a two-year low, suggesting that the U.S. economy has slowed signs. Following the announcement of the dovish speech by Fisher, the deputy chairman of the Federal Reserve (FED) and Fengjinlicai, the governor of the Federal Reserve, on Monday, StanleyFischer, chairman of the New York fed, once again gave voice to the doves in Dudley. Wednesday (February 3rd) New York Fed President Dudley said in an interview with MNSI, since the Fed’s December rate hike since the financial conditions have tightened, if this situation continues, then the latter economic situation and financial environment will be fed under pressure and further affect the Fed’s decision. And the stronger dollar will hurt the U.S. economy Dudley said that if the financial situation continued bad, will be taken seriously, and must make clear whether financial conditions reflect economic reality. We have previously reported that StanleyFischer, vice president of the Federal Reserve (FED), said Monday that the global economy continued to slow, which could affect the prospects for economic growth in the United States, and said in response to a reporter’s question: "the growth of the manufacturing sector in the United States has been declining."." On Monday, fed governor Fengjinlicai Wilson said in an interview with reporters, the recent development of the situation that the Fed also need to be careful to wait, let reason the Fed slow process of raising interest rates is very powerful, because recently from emerging markets including the Chinese pressure and slowing growth in developed economies will spread to the United states. Brainard said, "this problem will rise through the exchange rate and the spread of financial asset risk, transmission to the United States more weak exports, business investment and manufacturing, to combat the Federal Reserve to achieve the pace of inflation targets, and lead to tightening the financial situation." The pace of dollar appreciation makes it difficult for US companies to gain advantages in global price competition, and also inhibits the lower domestic inflation rate in the United states. If the dollar appreciates further, it may exacerbate the current situation and exacerbate global pressure.

凤金理财:非农兵临城下 金银严阵以待 客户端 查看最新行情   周三(2月3日)ADP就业调查报告显示,美国1月私营部门就业人数超预期增加20.5万,暗示美国1月非农就业数据向好。非制造业PMI不及预期,杜德利再度鸽派发声,美指暴跌技术破位。投资者转向避险品种黄金及债券,黄金暴涨。EIA库存虽再超预期,也无碍原油暴涨。   人力资源服务公司ADP和预测机构Moody’sAnalytics周三(2月3日)公布的就业调查报告显示,美国1月私营部门就业人数超预期增加20.5万,录得不俗表现,暗示美国1月非农就业数据向好,美国劳动力市场持续强劲。具体数据显示,美国1月ADP就业人数万增加20.5万,高于预期值19.5万,前值由增加25.7万修正为增加26.7万。   周三(2月3日)北京时间23:00公布的美国1月ISM非制造业PMI数据大幅不及预期,仅为53.5,创两年新低,暗示美国经济有放缓迹象。继周一美联储(FED)副主席费希尔(StanleyFischer)及美联储理事威信Fengjinlicai发表鸽派讲话后,纽约联储主席Dudley再度鸽派发声。   周三(2月3日)纽约联储主席Dudley接受MNSI采访时表示,自美联储12月加息以来金融环境已经收紧,若这种状况持续下去,那么后期经济形势和金融环境将令美联储承压并进一步影响美联储决策。且美元走强将伤害美国经济Dudley称,如果金融状况持续恶劣,将严肃对待,并且必须弄清金融状况是否反映经济真实情况。此前我们曾报道周一美联储(FED)副主席费希尔(StanleyFischer)称全球经济继续放缓可能影响美国的经济增长前景,并在回答记者问时承认:“美国制造业增速已经下滑。”   周一美联储理事威信Fengjinlicai在接受记者采访时表示,近期形势的发展说明美联储还需要谨慎等待,让美联储放缓加息进程的原因非常强大,因最近来自包括中国的新兴市场的压力以及发达经济体的增长放缓会波及美国。Brainard称,“这样的问题会通过汇率和金融资产利差风险上升,传导给美国更加疲软的出口、商业投资和制造业,打击美联储实现通胀目标的进度,并导致金融状况的收紧。”   美元升值步伐造成美国企业难以在全球的价格竞争中获得优势,也抑制了原本就较低的美国国内通货膨胀率。美元若进一步升值,就有可能令当前的境况继续恶化,加剧全球压力,从而或许会危及美国自身经济。因此,美联储可能会推迟2016年的加息计划,甚至有可能在今年完全搁置。   近两年来,美元升值来势汹汹。为了遏制美元上涨势头,市场预计,美联储可能会推迟2016年的加息计划,甚至可能在今年完全搁置。   最新联邦基金利率期货市场的数据显示,市场预期的美联储今年3月加息概率仅为10%,6月美联储加息的几率仅为24%,9月美联储加息的几率仅为34%,12月加息概率进一步下降至42%。这表明,当前投资者们预计美联储会暂停加息。   宁贵银日线图中,涨幅较之黄金确实十分有限,但是两者方向的同步率还是极高,目前3100-3120一线已然受阻难以突破,下方支撑则依次关注3020、3000、2950;操作白银的朋友在进场点位一定要一再斟酌,尽量卡在关键支撑阻力附近,日内宁贵银操作上凤金建议依旧高空为主。银价3100-3120附近做空,止损3150上,目标3120-3100银价2950做多,止损40个点,目标3000附近;   宁贵沥青近几个交易日行情上可谓风起云涌,日线图上近期涨跌幅度都十分巨大,昨天一根带长下影的大阳顶到3234高点,但是凌晨最终却已大阴线告终。但自始终未破日线BOLL中轨线支撑3020-3000一线,在今天该点位仍做关键支撑参考,白盘阻力位关注3090-3110一线,宁贵沥青白盘操作上建议低多为主!宁贵沥青下方3020-00一线做多,止损2970,目标3080-90即可;首次3100-10做空,止损3150,目标回看3040-20;   现货黄金日线图上大大小小已经连续收取了5根阳线,今日开盘仍处于高位,日线上方暂无阻力参考,下方支撑关注MA5均线与MA240均线交汇处1142-40一线;但是目前1155-56一线已经多次试探而未出新高,说明也有阻力存在,找不到阻力线的朋友们不妨打开周线,MA60均线当头压制于1155-56附近,其上还有通道上轨线压制在1162附近,由此看来金价到目前为止继续上行已经步步维艰,日内黄金操作上建议高空为主了。金价1156附近做空,1160继续加空,破位1163-64一线止损,目标依次下看1145-42;挂1141的多单,止损1137.5,止盈1149;   【今日重点关注的财经数据与事件】2016年2月5日周五   (中国台湾因非交易日休市一日)   15:45法国12月贸易帐   21:30美国1月失业率、1月季调后非农就业人口、12月贸易帐   次日02:00美国至2月5日当周石油钻井总数 新浪声明:新浪网登载此文出于传递更多信息之目的,并不意味着赞同其观点或证实其描述。文章内容仅供参考,不构成投资建议。投资者据此操作,风险自担。相关的主题文章:

健全和完善资本市场的重要组成部分 武汉工程大学自考

25 special inspection agencies ending compliance supervision and strict normalization guide to Livy years ago the Commission announced a review of the 25 securities and futures business institutions, the majority of inspection work has been basically completed, and some institutions or for inspection problems and will be punished. Reporter Livy reports from Beijing, regulators supervision of securities and futures institutions compliance strictly signs are becoming increasingly evident. Twenty-first Century economic report learned from the close to the regulators, the brokerage raised source at the reporter the day before, years ago, the Commission announced that the 25 securities and futures business institutions (hereinafter referred to as securities institutions) for inspection after inspection, most of the work has been basically completed, and some institutions or for inspection problems and will be punished. It is worth mentioning that the compliance inspection and supervision measures to strengthen supervision of the supervision institutions, on the one hand from the capital market to further improve, especially the inter agency regulatory demands, on the other hand, stakeholders and regulators about adjustment. According to the aforementioned sources close to the regulators, last year the Commission completed the new personnel responsibilities, to financial institutions and regulatory compliance will be further strengthened, and the corresponding supervision strength is also possible in the future to further normalization. In the industry view, the regulators if some institutions take the corresponding administrative punishment measures of supervision, or will the industry does not regulate the phenomenon of warning. "Some of the institutions will be punished," and before the year, regulators made on-site inspections of the institutions." At the beginning of February, back north a close to the regulators of the brokerage responsible person told reporters in twenty-first Century, "the inspection involving a total of 25 institutions, there may be part of the company to be punished, the punishment may be related to years after down." In fact, the broker responsible person revealed by examination, it is the Commission announced in December 4th last year, with "problems and risks" for the special inspection guidance from the securities and futures business institutions to carry out the. According to the arrangement of the SFC, the inspection involving a total of 7 brokerages, 1 brokerage owned pipe company, the 3 fund companies, 5 subsidiaries and 3 Futures Company, 3 futures risk management subsidiary companies, 2 securities investment consulting institutions and 1 fund sales company. Insiders said the special inspection announced early in the month, part of the supervision of personnel has on the part of institutions "admission", inspection work is also quite detailed. "At that time, also how to deal with, and later (Fund Industry Association) to the people, for one day, Richard relatively fine, then ask this question, although there were prepared, but still quite difficult to deal with." A sample of a subsidiary of the fund who said, "say what the direction of investment behind the project is what some nested like, mainly checked are some relatively complex design projects." According to the aforementioned background brokerage department said, according to one of the regulators the selection of special inspection object is on the scale of business growth, 25 checks in the relevant business institutions, most institutions grew more rapidly. Most of the institutions inspected are industry theory

25机构专项检查收官 合规监管从严常态化   李维   导读   年前证监会宣布对25家证券期货经营机构进行检查后,多数检查工作已基本完成,而其中部分机构或因检查中存在的问题而将遭到处罚。   本报记者 李维 北京报道   监管层对证券期货经营机构的合规性从严监管迹象正愈加明显。   21世纪经济报道记者日前从接近监管层的券商、公募人士处获悉,年前证监会宣布对25家证券期货经营机构(下称证监类机构)进行检查后,多数检查工作已基本完成,而其中部分机构或因检查中存在的问题而将遭到处罚。   值得一提的是,监管层加强对证监类机构的合规检查及监管措施,一方面来自于其进一步完善资本市场,特别是机构间规范性的诉求,另一方面也和监管层的相关人士调整有关。   据前述接近监管层人士透露,去年证监会完成新的人事责任分工后,对金融机构的合规性监管将进一步强化,而相应的监管强度也有可能在未来进一步常态化。   在业内人士看来,此次监管层若对部分机构采取相应的行政监管措施等处罚,或将对行业内的不规范现象形成警示。   部分机构或将被罚   “就在年前,监管层对机构进行了现场检查。”2月初,华北一家接近监管层的券商后台部门负责人向21世纪经济报道记者透露,“这次检查一共涉及25家机构,可能会有部分公司被处罚,相关的处罚可能年后会下来。”   事实上,该券商负责人所透露的检查,正是证监会去年12月4日宣布的,以“问题和风险”为导向抽取部分证券期货经营机构所开展的专项检查。   根据证监会的既定安排,此次检查共涉及7家券商、1家券商资管子公司、3家基金公司、5家基金子公司、3家期货公司、3家期货风险管理子公司、2家证券投资咨询机构和1家基金销售公司。   有业内人士透露,早在专项检查的宣布月内,部分监管人员就已对部分机构“入场”,检查工作也颇为细致。   “当时也想了如何应对,后来(基金业)协会来了人,待了一天,查得比较细,问这问那的,虽然当时公司有了准备,但应对还是蛮吃力。”一家被抽查的基金子公司人士透露,“比如说一些嵌套项目背后的投资方向究竟是什么之类的,主要被查的都是一些设计相对复杂的项目。”   而据前述券商后台部门负责人透露,监管层此次遴选专项检查对象的依据之一是考察其业务规模的增长情况,在此次被抽查的25家机构中,多数机构的相关业务增长较为迅猛。   “这次被检查的机构,大多数是业务排名靠前,或增长速度过快的,我们猜测监管的选择逻辑是,如果业务规模增长过快,那么有可能机构存在过分重视业务而忽视风控的可能。”前述后台部门负责人表示,“虽然有些枪打出头鸟的味道,但我们觉得这样选择也是有道理的,因为一个机构的业务异常增长,即便合规,也有理由对原因进行了解。”   21世纪经济报道记者获悉,一家资产托管规模较为靠前的银行系基金子公司,就由于其规模的快速增长而成为此次抽查的对象,而检查过后,该子公司的相关问题已被监管层所掌握。   据前述后台部门负责人透露,目前针对前述25家机构的检查工作已基本完成,而部分机构亦有问题在检查中暴露,监管层有可能在不久后对相关机构作出行政监管措施甚至处罚决定。   “这次被检查的不少机构可能都被查出了些问题,而监管层可能也会作出一些处罚措施。”前述券商后台负责人称,“这些处罚对机构的监管评级也好,业务规模也好,总会有些影响。”   事实上,在证监会此前的表态中,已对发现问题的查处事宜予以了明确。“对检查发现的违法违规行为,证监会将依法从严查处,切实维护市场秩序,保护投资者合法权益。”   机构监管或将从严   值得一提的是,对部分机构的抽查和查处,或许只是当前机构合规性监管趋严的一个“横切面”。   “2016年机构监管可能会更加严格,无论是对于业务的合规性还是可能存在的风险隐患。”前述券商后台负责人表示,“监管层有可能会采取更加高频次、更加细致化的方法进行业务检查。”   事实上,机构合规问题查处从严的迹象已在此前民生证券前营业部负责人涉嫌诈骗案一事的处理中就能管窥。   彼时,民生证券山西太原营业部负责人因涉嫌合同诈骗而被有关部门带走,而民生证券更是被监管层作出了长达6个月不能开户的监管处罚,而在业内人士看来,该处罚程度在业内已较为严厉,而这在一定程度上反映了管理层对机构合规等问题的容忍度正在下降。   同时,证监会证券基金机构监管部还在一份通报要求机构要进一步加强分支机构、分支机构负责和从业人员的管理。   “6个月的禁止开户还是非常严厉的,”华西证券一位合规部门人士表示,“从这个处罚程度能够看出监管层正在对机构违规采取更加严格的监管措施。”   而在业内人士看来,监管层之所以施行更加严厉监管政策,与去年疏于监管下场外配资业务诱发A股波动加剧所带来的监管警觉不无关联。   “去年场外配资活动中,一些机构从中违规地提供了便利,诱发了A股不合理的杠杆结构和剧烈波动,甚至一度险些出现了流动性危机。”一位接近监管层的券商经纪业务负责人指出,“强化对机构的监管,也是防范系统性金融风险,健全和完善资本市场的重要组成部分。”   此外,在业内人士看来,证监会机构监管负责人的变动也成为了机构监管严化的原因之一。   在证监会新的领导分工中,去年刚刚赴任的副主席李超成为了分管机构业务的负责领导,同时李超与另一位副主席姜洋在工作中互为AB角,而李超掌舵机构部与私募部,亦被业内视为监管层严化监管的有效“助力”。   “机构监管严格化,某种程度上可能也得益于新的分管会领导的上任,李超在这方面比较重视,也很有魄力。”一位接近监管层的基金公司人士表示,“很多时候,要打破原有的利益格局,一个新的领导通常也是有效的。” 进入【新浪财经股吧】讨论相关的主题文章:

there are some conditions and precautions which you need to be familiar with. Home Mortgage Loan is a deal you make with lender on the property you are buying. The home you are going to buy is placed as collateral and you get money in the value of your property to buy it. You become home owner but the lender gets right to foreclose your property if you do not repay the amount in time and therefore its necessary to take some precautions. The amount 开心的马骝歌词

Mortgage-Refinance Home Mortgage Loan is the name strikes first in your mind when you plan to buy a home. Most of the people in United States buy home with the help of loans because when you find your dream home then its wise to buy the home immediately. If you do not have arrangement of money at the moment then you can go for this loan. But, there are some conditions and precautions which you need to be familiar with. Home Mortgage Loan is a deal you make with lender on the property you are buying. The home you are going to buy is placed as collateral and you get money in the value of your property to buy it. You become home owner but the lender gets right to foreclose your property if you do not repay the amount in time and therefore its necessary to take some precautions. The amount (sum of principle and interest) is usually repaid in the form of installments for this loan. Therefore, you must calculate before applying for the loan that how much money, you will be left with after deducting youre all the fundamental expenses every month to deposit the monthly installments. The crucial thing for getting your loan approved is your credit score. Therefore, as soon as you contemplate to apply for Home Mortgage Loan, first of all check your credit score and try to improve it, if it is bad or average. Your credit score can please your lender and you can easily get your loan approved, otherwise it gets difficult to convince the lender. You should make check list of the documents before going to the lender, which you will need like W-2 form and pay stubs, if you are employed and tax statements of about two years, if you are self employed etc. The life of Home Mortgage Loan is 10 to 30 years. There are basically two types of loans Adjustable Rate Home Mortgage Loan also known as ARM and Fixed Rate Home Mortgage Loan. Amount of your monthly installment depends on the life of the loan as well as type of the loan. For fixed rate loan installments are same for every month on the other hand for adjustable rate loan it keeps varying according to the market as well as the type of adjustable loan because they are available in different forms. About the Author: 相关的主题文章:

as they are affordable so people like to wear them just to support their favorite team. By shopping online 陇东学院教务处

Sports-and-Recreation Fans of NFL are present all around the world, but United States is really full of them. There are those people that get tickets to watch the games live in the stadium but for those that cannot make it simply catch the action from home at their TV. These match tickets are usually sold in advance. For each of these individuals; you will find that they love their different teams and even players. The best way through which one will be able to show just how much they support their team would be by wearing the NFL jerseys. The number of individuals that will be donning their NFL jerseys during the season are quite a number. It is certainly cool when someone wears something that is unique when in gatherings. However, there is a common concern, that NFL jerseys are really costly. Here, we are discussing ways to find cheap NFL jerseys. If manufacturers are using low quality material in making jerseys, than these jerseys will be available at cheap price for the customers. The fact that they are however made of a very low quality, you will find that they might not be able to last for a lot of seasons. There are other ways to find cheap NFL jerseys. The best way of making sure that you have cut down on their price is by simply buying them in bulk. Many online stores present this offer to their customers. There is usually a certain discount to which one can only be eligible once they spend money buying more than one jersey. This is certainly an excellent way of getting the cheap NFL jerseys. The problem that arises is that there are very few cases when one would like to buy more than one jersey meaning that they might not benefit from this offer. If we talk about ways to find cheap NFL jerseys, sales at the end of season is another way. At the end of each season, you will get that there are several stores that will be offering sales. The reason as to why the offer such sales is to mainly make sure that they are able to get rid of the old stock that they have and get much newer items. To however make sure that you have gotten the best out of this sale you have to wait until the end of the season. These jersey can however be stored until the start of the next season. Yet another one of the ways to find cheap NFL jerseys is usually purchasing of the replica jerseys. Although they are very much like the authentic jerseys in all ways, they are however replicas. Although the fabric that has been used is not like that of the original ones, it still remains not to be as good. In comparison to the authentic jerseys, they are however cheaper. However, as they are affordable so people like to wear them just to support their favorite team. By shopping online, you will be able get the cheap jerseys. Online shops do not have to pay rents of shops, utility bills and other such costs. That is why they provide these items to their customers at a very low price. This low pricing is like no other. Moreover, some dealers import these jerseys from those countries, which have low manufacturing cost. With labor that is cheap, in will translate into a low manufacturing cost and at the end of the day the pricing of a single item will be much lower. This can therefore be counted as one of the ways to find cheap NFL jerseys. By going through with these methods, getting your favorite jersey at a low price will not be that difficult. You will however have to sweat a little in order to get one of these cheap jerseys. About the Author: 相关的主题文章: