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供應量萎縮外，mini storage房貸收緊也是成交量下滑原因之一IC/供圖證券時報記者 馮堯“這些天看了五六個樓盤，發現開盤價格偏高，我們目前可能更多以觀望為主。”一位看房客在深圳龍崗某樓盤看房時告訴記者。在�多看房客中，觀望成了國慶看樓主旋律。據記者瞭解，“十一”小長假期間深圳新開盤或加推的新盤有16個，看房客絡繹不絕。盡管人氣火爆，但成交數據卻不那麼樂觀。據官方不完全統計，“十一”前6天，深圳新房僅成交163套，而去年“十一”深圳新房7天成交312套。“十一”深圳樓市成交縮水，存在多方面因素。多位接受記者採訪的業內人士分析，一方面由於開發商今年前9月銷售任務完成得普遍不錯，導致集中推盤時期推至年底；另一方面，房貸收緊也或多或少影響購房者，尤其是剛需人群的購房動力。開發商降價動力不足“這些天看房的客戶很多，有時一天幾百人，多的時候一千人也有，但實際成交量並不理想。”位於深圳龍崗的某樓盤銷售經理告訴記者。據記者觀察，該項目售樓處可謂人頭攢動，甚至因為銷售人員不足，不少看房客遭到 冷落。人氣火爆，成交卻一般。據深圳規土委數據統計，“十一”期間的前6天中，深圳新房僅成交163套。而在去年“十一”期間，深圳全市成交312套新房，今年的銷量明顯不如去年。事實上，9月深圳樓市就經歷了一次量價微跌。深圳市規土委數據顯示，9月份，深圳一手住宅價格為21820元/平方米，環比微跌1.9%，這也是繼7月份以來，深圳房價連續3個月小幅下跌。而在成交量方面，9月成交一手住宅3341套、30.4萬平方米，與8月相比，分別下跌1.9%、6.7%。不過，盡管如此，深圳9月也出現了少許“日光盤”。從開盤現場看，兩個純新盤出現日光，深圳灣�裕濱城開盤約5.3萬元/平方米的均價，推出180余套當日售罄；沙井萬科翡麗郡三期均價為1.7萬元/平方米，284套房源兩個小時賣光。“金九銀十”成色不足，與開發商推盤量不無關係。據記者不完全統計，9月開盤或加推的新盤數量近20個。9月上旬，新盤市場稍顯冷場，下旬不少新盤加速入場，尤其是最後一周的周末，出現多盤集中開盤現象。而到“十一”期間，深圳新推或加推的項目僅為16個。“我們今年銷售情況完成得不錯，並不急於在十一新推項目，可能在年底前會進行年內最後一次集中推盤。迷你倉深圳一家大型上市開發商高層人士告訴記者。這家大型開發商在今年十一期間沒有新推或加推項目。上述人士坦言，開發商資金壓力沒有去年底那麼大，因此不會急著降價促銷。“還有一個原因是降價會讓早期業主不滿，一旦引起退房事件對企業品牌負面影響很大。”她稱。房貸收緊利率上浮除了供應量萎縮外，房貸收緊也是成交量下滑不可忽視的因素。“現在首套房貸款能申請到8.5折利率，只能找外資銀行了，國有五大行和一些國內商業銀行利率根本不可能打折。”中原地產一位中介人士如是表述。記者近日採訪建設銀行、中國銀行、農業銀行以及工商銀行等多家銀行，上述銀行方面均表示，首套房貸款利率基本已經上浮10%。而二套房貸款最高上浮達30%。自“金九銀十”傳統銷售旺季開始以來，廣東等地的銀行紛紛收緊個人房貸，房貸利率提高已成為業內普遍現象。記者瞭解到，農行、建行等大多數銀行首套房貸在基準利率基礎上上浮10%，提高幅度一致。而興業銀行保持基準利率，工商銀行則上浮15%，平安銀行近期一度上浮利率20%居各大銀行之首。目前，首套房貸利率優惠僅存于匯豐銀行和渣打銀行，工作人員表示首套房貸款在6.55%的基礎利率之上最低還可以再打8.5折，但很難申請到，在目前房貸緊縮狀態下，這種優惠估計也很難持久。此外，已有銀行停止住房貸款。平安銀行目前基本不受理個人房貸業務，而招商銀行和上海浦東發展銀行更偏向于消費貸款、經營貸款等這類利率較高的貸款品種。“銀行今年投向住房貸款的額度比去年下降不少，現在快到年底，額度用盡也是可想而知的。”深圳一位國有銀行中層人士告訴記者。深圳綜合開發研究院旅遊與地產研究中心主任宋丁認為，從目前市場情況來看，房貸收緊尚未對市場形成很大影響，但如果收緊狀況持續，將會影響部分彈性需求。對於二手房市場，二套房置業者普遍以改善性住房或者投資客居多，二手房貸款利率持續上浮可能會抑制小部分實力小、手頭資金有限的購房者的積極性。深圳國慶前6天新盤銷量日期 成交量(套) 成交均價１０月１日 １８ ３５３４７元╱平方米１０月２日 １２ ４７０２６元╱平方米１０月３日 ２２ ２４０２６元╱平方米１０月４日 ９ ３８１４０元╱平方米１０月５日 ２５ ３０５７６元╱平方米１０月６日 ７７ ２０５８０元╱平方米馮堯/制表文件倉

這個黃金周熱鬧退場，存倉遊人們拖著疲憊與興奮退守自己的家，感受一份難得的清靜。毋庸置疑，這個“十一”長假，只要是在國內出行的人們，幾乎都發現中國式休假的一個“真相”：人山人海。微博、微信等網絡媒體傳出各種調侃的段子：“故宮人山人海，長城不分內外”、“今天你在哪裡看人”……而長假宅在家里的人以瀏覽各式擁堵新聞為樂。我國的長假怎麼了？擁堵、滯留、排隊成為我們在這個長假談論最多的關鍵詞，也還要伴隨幾起惡劣的宰客或投訴事件。幾乎每到長假，媒體聚焦的都是對各種出行體驗的抱怨，也給出各種建議和呼籲，可到了下一個長假也還是問題如故。一個無奈的現實就在於此，多數人趕著公共假期集體出行，緣于他們難以享受帶薪休假。1999年9月，國務院改革法定休假制度，每年國慶節、春節和“五一”法定節日加上調休，全國放假7天。從此，3個“黃金周”掀起的旅遊消費熱成為我國經濟生活的新亮點。昨天全國假日辦的最新消息也顯示，我國無論旅遊景區接待遊客還是門票收入都再創新高，旅遊的火爆也在折射中國經濟的龐大潛力——內需消費如此強勁。不過，旅遊業的火也給遊客肚里添了火，那就是花錢越來越多，旅遊體驗卻沒有跟上。尤其是2008年“五一”黃金周被取消，雖然放假總時間也由10天變為11天，並且增加了三大傳統節日的休假，但是“五一”黃金周的消失讓國人不得不選擇“十一”集體出行，因為春節的黃金周主要還是留給家人團圓的。目前我國已經成為世界最大的國內旅遊市場，國內旅遊規模年逾26億人次，權威機構預測，到2020年，我國旅遊總人次還將以每年9%的速度增長，這意味著未來黃金周的考驗更加嚴峻。眼見黃金周變成濃稠擁堵的“黃金粥”，我們還能做些什麼？首先，就是恢複“五一”黃金周，當年取消它是寄希望于帶薪休假能夠落到實處，繼而讓國人在傳統節日有所休閒。但是五年過後，帶薪休假主要還是在行政機關執行得好，其餘的無論是國企還是民儲存效果都不見得好。這樣，人們既無法享受帶薪休假，同時又少了一個黃金周出行選擇，陷入了“雙輸”的境地。盡管根據國民旅遊宣傳綱要的要求，2020年帶薪休假制度要基本得到落實，但是，在這個制度落實前，我們還是應該讓國人出游多一個選項，等帶薪休假制度完全落實了，屆時再取消一個黃金周也不遲。其次，無論是“五一”長假還是“十一”長假，在“拼湊”假日的過程中還是可以多元化，增添更多安排。比如區域性錯峰放假，以“十一”黃金周為例，南方省份可以選擇10月1日至7日放假，北方省份選擇9月26日到10月3日放假，這樣就可以錯開一半的高峰期，明年則可以調換。或者在這兩個黃金周不能兼得的情況下，南方省份可以選擇“五一”放七天、“十一”放三天的方案，北方省份則可以“五一”放三天，“十一”放七天。這樣，一半的省份這麼錯峰，也可以最大程度緩解景區和交通壓力，同時提高旅遊性價比。再次，帶薪休假有落實障礙的情況下，必須有採用倒逼式和替代性的辦法。有調查顯示，“擔心上司對其工作態度的評價而不願休假”與“勞動者維權意識和能力不足”成為帶薪休假落實不到位的兩大主要障礙。這是現實，但我們能否大幅增加無法休假的工資補償，比如從現在的三倍增加到五倍乃至十倍？也就是說，帶薪休假無法成行時，無論員工是否自願，用人單位得按照五到十倍的工資給付員工。只有員工被安排休假，才能避免用人單位開多倍工資的可能。這樣，用人單位就會有動力督促員工進行休假。此外，黃金周的旅遊盛況以及相關突發情況迭出也在提醒我們的旅遊資源和服務能力亟待擴容，要想終結景區逢節必“爆”，需要旅遊管理部門加強建設預警體系和門票預約系統，便於遊客規劃和及時調整出行方案，同時，完善協調機制和應急預案，妥善應對大客流帶來的一系列問題。景區還可以優化內部各單元、單元與單元之間的線路組織，使得觀光安排應更加精細化、合理化，這樣也能擴大景區的最大承載力。self storage

遏止殺價競爭，自存倉金管會最快本月啟動對銀行放款定價專案金檢行動，將採重點式查核，初步鎖定家數不到十家，國際金融業務分行（OBU）及海外分行聯貸案是否納入定價政策等，將列查核重點之一。金管會主委曾銘宗上任後，多次呼籲金融業者不要殺價競爭，新任金管會檢查局長王儷娟上任首日更宣示，將對銀行企金大額放款案展開金檢。據了解，金管會內部已完成篩選作業，這波鎖定專案金檢的目標不到十家，且不少是泛公股銀行，希望能集中火力查大案。有關官員昨（7）日表示，這波專案金檢行動，最快本月、最慢下個月就可啟動，主要看定價政策是否符合銀行公會有關利率定價的自律規範，以及授信5P原則等。據了解，過去金管會曾發現mini storage銀行未將OBU及海外分行，納入放款定價政策的適用範圍，並將一些聯貸案掛帳在OBU，如此一來就規避掉放款定價政策的規範。因此，這次查核，OBU及海外分行授信案，將列查核重點之一。利率放款定價政策是指，銀行必須依據資金成本、授信風險、合理利潤等，進行定價，金管會已列入金檢手冊中，銀行公會也訂有相關自律規範。有關官員表示，去年下半年銀行公會修改自律規範後，對放款定價政策的規範，已訂得更明確。而且增訂對客戶利息減碼必須訂內規規範，納入銀行內稽內控制度中。換言之，一旦銀行未依規定落實定價政策，將涉及違反內控規定，主管機關將可依銀行法予以重罰，以促使銀行有效落實利率定價政策，遏止殺價歪風。儲存

國慶期間，迷利倉長沙銅官窯國家考古遺址公園陶藝體驗吧每天吸引數百遊客前來親手制陶。黃清輝攝 本報訊（記者 黃清輝）國慶黃金周今日進入最後一天，記者昨日瞭解到，天公作美加上豐富多彩的活動，今年國慶長假，到長沙周邊農家樂及鄉村景點休閒度假的人特別多，據統計，遊客比去年國慶要增加30%左右。“從放假第一天到今天，我們每天的遊客有六七千人，基本處於飽和狀態。”千龍湖度假村有關負責人昨日對記者說。寧鄉關山村光國慶前6天遊客就突破2萬人次，迎來獲評國家4A級景區後的開門紅。“這幾天人好多，我們小店每天要賣出三四千缽甜酒。”靖港古鎮一商店店員告訴記者。在度假方式上，除傳統的打牌釣魚外，今年遊客在農家樂及周邊鄉村景點也有了更多的選擇。自駕多了，或與《旅遊法》實行有關“今年國慶，來這裡的90%以上是自駕遊客。”採訪中，各農家樂或景區的負責人異口同聲地告訴記者。記者昨日在銅官窯遺址公園、德逸山莊、百果園等地看到，這些地方的停車場、空隙地甚至過道上都停滿了車。以湘A牌照為主，也有很多湘B、湘C及外省市牌照。“遊客一般以家庭為單位，有一家三口其樂融融，也有一大家十幾口開著三四輛車浩浩蕩蕩過來玩的。”德逸山莊老闆陳海軍對記者說。但在�多的遊客中，由旅行社帶過來的卻很少。石燕湖森林公園負責人告訴記者，1日至3日，進園的自駕車每天有六七百輛，但旅行團隊的車卻少得可憐。“去年國慶我們每天至少有七八個旅遊團，但今年國慶前三天，我們一共只接待了四個旅遊團。”問到原因，該負責人分析，可能是《旅遊法》實行後，公園納入自費的項目少了，旅行社相關的政策沒有跟上造成的。散客多了，只賺了人氣也高興“不僅旅遊團隊少了，今年國慶，往年很火爆的同學、戰友聚自存倉的也不見了。”海天山莊總經理劉羅英說，這幾年，每逢節假日，來聚會的同學、戰友團總有四五個，但今年國慶過了六天，還沒有看到一個。這種現象記者也在其他農家樂得到證實。百果園總經理鄧潔告訴記者，百果園每天中午都有百桌左右的客人，雖也有同學聚會的，但基本都是散客。“簽單的沒了，陌生面孔多了。吃純粹農家飯菜的人多了，喝酒的少了。”在採訪中，不止一家農家樂負責人反映，今年農家樂的遊客雖然普漲了30%左右，但消費額估計不會增長多少。“只賺了人氣。”海天山莊劉總說。“讓消費回歸正常，回歸自然是好事，雖說賺得少點，我們心裡也高興。”採訪中，有農莊老闆對記者說，他們的農家蔬菜等十分受市民歡迎，每天要售出數百份。過夜的多了，帳篷成一道風景採訪中，記者瞭解到，與往年國慶黃金周比較，今年鄉村旅遊消費有個很大的亮點，就是在農家樂或鄉村休閒景區過夜的遊客明顯增多。這種現象的出現，除天氣原因外，與一些農家樂或鄉村休閒景區推出的豐富多彩的夜間遊玩項目有關。9月30日到10月7日，千龍湖舉辦首屆國際帳篷節，每天吸引上千名遊客在此搭帳篷過夜。不僅僅是千龍湖，記者從百果園、都遨生態園、斌輝生態山莊、瀏陽大圍山景區、長沙縣板倉露營基地等處也瞭解到，每天晚上，在這些地方露天過夜的帳篷客，少則四五十人，多則上百人。而這些地方晚上都增設有露天電影、篝火晚會、燒烤等遊玩項目，千龍湖還有露天音樂節供過夜游客欣賞。除此之外，今年國慶黃金周，農家樂酒店住宿遊客也增加很多。“去年國慶，我們每天只開出20多間房，今年每天能開出60多間。”斌輝生態山莊總經理告訴記者。湘御明月山莊、百果園、德逸山莊等每天晚上也都有百名以上游客住宿，占到農莊酒店客房的80%以上。mini storage

　　【本報訊】上海自由貿易區可能成為人民幣自由兌換的試驗場，儲存倉渣打香港亞洲區高級經濟師劉健恆表示，自貿區模式若證實可控，不排除3年內複製至全國其他城市。倘模式證實可控 有機成事　　劉健恆舉例指，內地09年開放跨境人民幣貿易結算試點最初只有5個地區，在兩、三年內擴展至全國，他認為，自貿區對香港或其他離岸市場的中長�影響絕對正面。　　對於銀行公會下周北上拜訪財金官員擬表達放寬個人兌換上限2萬元人民幣的訴求，劉健恆指，就個人兌換人民幣上限而言，只要有新措施能提高用家參與均為好事。　　受惠本迷你倉最平、新加坡以及台灣的離岸人民幣存款強勁增長，帶動8月份渣打人民幣環球指數（RGI）按月升1.8%，劉健恆預期，未來幾個月RGI有望持續上升，反映離岸人民幣活動將會增加。港人幣存款 今年底料7500億　　他又預期，至今年底，本港人民幣存款將達7,500億元。截至8月底止，本港人民幣存款為7,094.63億元。　　渣打就離岸人民幣企業調查首次加入美國企業，劉健恆指，美國企業相對其他地區企業採用人民幣較為審慎，需要更多時間接觸和了解使用人民幣，現時美國企業採用的人民幣產品主要為外�和貿易相關。迷你倉

代理鐘錶品牌�前香港鐘表業總會主席兼百利建集團董事總經理陳正欣（Daniel），迷你倉去年跨過界代理有四十年歷史�英國男裝品牌，結果愈做愈興起，決定開第二間分店。位於中環黃金地段�新店正進行裝修，Daniel好緊張，日前特登抽空去巡視，就算現場灰塵飛揚都冇有怕。陳正欣推開密封�木門，進入裝修緊�店舖巡視。（陳嘉順攝）當日下午大約兩點半，打扮一絲不苟�Daniel�置地廣場出現，佢落車後就直入商場地庫，途中巧遇一位西裝打扮�年輕人，兩人笑笑口指手畫腳，睇�好�傾。告別友人後，Daniel行到一間用木板封住晒�舖位門口，自己郁手開門入去。月底開幕賣西裝Daniel�入邊逗留大約五分鐘，卓文件倉趁佢出�打算離開時同佢傾兩句。Daniel話，新舖預定今個月底開幕，佢擔心裝修進度跟唔上，所以專程去睇�，睇完之後個心安樂晒，因為進展良好。佢話去年十月首次引入呢個時裝品牌，首間分店位於銅鑼灣，受到眾多內地及香港一線男星愛戴。不過如果想消費者熟悉，免不了要開多幾間分店，所以佢咪打鐵趁熱，�中環�品牌集中地開多第二間分店囉。香港人鍾意扮靚，但係太多花臣�西裝洋服未必適合行政人員，所以Daniel穩紮穩打，睇中品牌�特色係款式及剪裁大方，重現英倫紳士風格，有一定�捧場客。Daniel眼光咁精準，咁下一步係做乜�生意呢？佢笑笑口話，�緊打算引入意大利鞋履品牌，預計首間店舖明年初開幕。卓妮存倉

曾稱《半澤直樹》根本就是一部穿西裝的武士劇，mini storage所謂刻劃銀行內的忠奸人性，倒不如在看著日本古代一「藩」之內部人治管理和私心糾結。看畢第10話大結局，如觀罷一場激烈的舞台劇，看到血壓上升，那些一流演員的演技委實出神入化，收放自如，最內斂的角色是行長，「藩主」是也。俺看到最後已經聯想起黑澤明著名電影《椿三十郎》(香港中譯：《穿心劍》)中很多東西。半澤直樹就是椿三十郎化身，一柄出鞘的刀，鋒芒太露。《椿三十郎》中，尊貴的老夫人曾對椿三十郎點化說：「你鋒芒太露，這是你的弱點。」「你像把出鞘的刀。」「你像把無鞘刀，鋒利。但好刀應在刀鞘裡。」而狡猾的睦田總管被救出後，說椿三十郎是「非等閒之輩，有他在，我面子上掛不住。」這些可不是《半澤直樹》中老行長心中的心思嗎！將功臣調出銀行外的部門，就是要給他這柄出鞘刀放回鞘內，看這柄刀能否將來配在身邊，成為忠心武士。記得老行長的教誨啊！「人的價值不能用金錢來衡量。銀行職員不應該看錢，而是看人。」所以老行長能位極人臣，他是最懂搞「人和人之間的交往」，乃用人之術是也。借勢成為良機，簡簡單單便收服了懷野心和手段強橫的大和田，將另一派系之首，納入自己身邊成為忠心家臣，厲害的老狐狸。而對半澤直樹則準備好好修理這柄無鞘刀，因為一旦弄不好，將來會被其鋒刃所傷，此刀雖好，但會很難駕馭，所以要給其一鞘蓋其鋒芒，流放在外，靜觀此身手不凡的年輕武士其忠誠，留一手，將來大有利用地方。老實，行長何以說「很尊重」大和田這個所謂大奸人呢？其中含意是最重要的訊號，銀行最終需要大和田這類價值觀的人來營運，就是好天送傘，下雨收傘，無情念的銀行放債人。半澤直樹那套人道價值觀來作為銀行家，分分鐘會出現感情用事，這不是經商的行為思想，亦不是能協助藩主進一步得天下的人。雖然半澤直樹武功高強，上商業戰場時不可少，但不是留在身邊統籌，如何出謀略奪天下的好幫手。這就是老行self storage所想的，其實最老謀深算，可能最「奸」的就是他。大和田，其人在家中太太大人眼中，可是一名好丈夫，有情有義幫她還大筆債務，他在太太面前甚麼氣勢都沒有了呢！此乎這種切割式表裡看所謂「忠、奸」，是《半澤直樹》劇中另一個探討的主題。下一輯的《半澤直樹》，好肯定的推斷，所謂忠奸大鬥法上，應該老行長粉墨登場了，他的演技亦相當利害的，記得那部《華麗一族》嗎？ 北大路欣也就是演那名有兩件老婆，一件是華族，一件是情婦，一個鬱結陰沉霸氣的有錢人，相當擔戲。半澤直樹當董事會眾人面前訓斥大和田常務的是：「你要道歉的對象不是我。而是至今為止在雨天被你收回雨傘，如蜥蜴尾巴般被拋棄的所有人和公司。」「那些雙膝跪地拼命求你，即使被你挖苦、鄙視，但是為了拼命保護家人、公司這些最珍貴的東西， 而向你下跪的人們的痛苦、氣憤、不甘，我也要你嘗嘗這些滋味……」「快下跪！(咆哮地向大和田叫，在行長面前)」好了，這段對白相當大快人心，不少人都會懷此種一腔正義，是以人做本位的價值觀。但對野心家和大商家，或者要一心得天下而無視生靈塗炭的古代戰國梟雄，這種不是他們的價值觀呢！現在大家應該理解到，何以老行長會說出所謂素來尊重大和田常務那番話，他們是懷相同價值觀的銀行家，半澤直樹尚未到火候。這部神劇結尾來記反高潮，沒有華人社會戲劇之忠有好報，奸被斬首那種老套橋段，俺覺得很妙，因為更加反映現實和更有血肉。我們的社會其實充滿著老行長和大和常務這類人，往往是平步青雲執權力之輩，他們自有一套其能力和取向，我輩不識時務者，徒有一腔所謂正義和普世價值觀，又如何？現實，是沒有半澤直樹的，但有不少想做半澤直樹的人，對吧！要理解真正傑出的武士，應該把劍藏在鞘中，而不是常常拔刀出來使用。東方社會還是不要鋒芒太露比較穩陣。草草一刀：跟日本清酒和劍道結下不解宿緣的人blog：sake-katana.blogspot.com/mini storage

紡織業進入第4季傳統旺季，self storage加上越南近期可望加入TPP（跨太平洋經濟戰略夥伴協定），當地紡織品出口將享有關稅優惠，讓紡織族群國內在越南有設廠儒鴻（1476）、聚陽（1477）及其相關供應鏈等「越南紡織概念股」近期股價強勢上漲成盤面焦點，凱基證衍商部建議投資人可利用權證參與紡織旺季行情，利用小金搏大利。越南TPP法案通過後，未來將可享有輸美日免關稅利基，對已在越南設廠生產台商來說將成主要受惠族群。其中儒鴻在越南同時設有織布mini storage成衣廠，在越南加入TPP後，儒鴻將能在原本強大訂價優勢下，額外享受降稅優惠，近期股價創下歷史新高300元；儒鴻原料供應商東隆興（4401）逼近百元大關，股價表現強勢。凱基證券衍生性商品部建議，看好紡織題材投資人可多利用認購權證參與行情。更多權證資訊請參考凱基衍商網HTTPS://DERIVATIVES.KGI.COM.TW。＊【權證投資必有風險，本專區資訊僅供參考，並不構成邀約、招攬或其他任何建議與推薦，請讀者審慎為之】迷你倉

繼南華金融（0619）上月底傳出獲洽購後，存倉僅5個交易日，連新鴻基公司（0086）旗下的新鴻基金融亦傳出賣盤，涉價最多4億美元（約31.2億港元）。雖然新鴻基已否認主動賣盤，但股價昨日仍升半成，並再掀起市場對本地中小券商金融股的尋寶熱。不過，有券商提醒，此種以「即日」炒作居多，投資者要留神「易升易跌易變蟹」。 【本報記者高智琛報道】今回主角換成新鴻基金融。英國《金融時報》引述投行消息指出，新鴻基公司有意出售旗下負責財富管理及證券業務的新鴻基金融，作價3至4億美元（約23.4至31.2億港元）。新鴻基金融董事兼行政總裁梁永祥接受查詢時，否認公司主動尋求賣盤，現階段亦沒有任何需披露的賣盤消息。新鴻基公司昨日收報4.43元，升5.48%。 新鴻基金融突然成為被併購對象，其中一個主要原因是創興銀行及永亨銀行先後獲洽購。市場憧憬不少內地買家亦會放眼於本港其他金融業的收購機會，令本地銀行及金融公司的股東肯趁此估價較高時出售業務。但矛盾的是，新鴻基公司股價由今年以來下滑了11.93%，即有關資產被低估。有投行人士認為，既然有關資產被低估，將增長動力欠佳的資產出售，或者IPO，為不少上市公司會作出的應對策略。 憧憬內地買家購金融業 話雖如此，但傳聞新鴻基公司出售的財富管理及經紀業務，今年上半年儲存稅前貢獻就達1.27億元，按年增長64%，並非增長動力欠佳；而拆售有關業務亦會影響公司為企業及機構客戶提供股本及債務集資方案的資本市場業務，尤其是對客戶的說服力。與梁永祥年中於股東會後曾對傳媒表示，證券為很多產品的基石，故公司一定不會退出該業務的講法一致。 有券商提醒，以南華金融上月底的傳聞為例，公司就算公布若干中介人曾接觸該公司探討業務合作或對公司控股股東出售股份表示興趣，但未與第三方達成任何協議，股民就盲跟，會容易損手。事實上，該股當日（9月27日）一度炒高至0.182元，收報0.124元，但期後5個交易日就成每況愈下的走勢，昨日收報0.11元，跌4.35%，累計跌11.29%。換言之，散戶倘若當日聽信傳聞追入，絕對容易要蝕錢離場，又或者變「大閘蟹」。 有市場人士透露，好的資產當然有人會洽購，但「賣唔賣，同係咪用咁�價錢賣」，就值得商酌；耀才市值都13.33億元，新鴻基只賣31.2億元，「會唔會估得太平？」至於炒作其他可能被洽購的本地券商股「你話時富投資係市場憧憬會被收購炒作，都合理，因為該股市值得2.66億元，單計殼價都唔止呢個數」。而耀才昨日「起眼」的升幅，於公司晚上的盈喜公布中似乎有啟示。耀才公布，截至9月底止的中期未經審核純利約7,200萬元，較去年同期大增130%。 self storage

今年國慶黃金周7日落下帷幕，儲存倉珠海各口岸假期當中出入境人數“爆棚”，珠海邊檢總站昨日的統計數據顯示，7天內共有近230萬人次的出入境人員從珠海各個口岸過境，創下歷個“黃金周”旅客出入境總數的最高記錄。日均出入境超32萬人次受天氣晴好、內地及港澳地區公�假期重合、高速路小車免收費、新旅遊法實施等因素影響，今年國慶節期間，珠海拱北、九洲、橫琴、灣仔等對外開放口岸出入境旅客數量不斷攀升，日均出入境總人數超過32萬人次，其中最高峰出現在10月5日，珠海邊檢總站驗放出入境旅客達33 .6萬人次，逼近該總站日驗放歷史最高記錄。據記者瞭解到，內地旅客出境游熱情持續高漲，成為出入境客流的“主力軍”，7天假期內地居民出入境近137萬人次，占客流總量的6成以上。此外，各個口岸當中，拱北口岸人氣繼續高企，當仁不讓成為“主戰場”，共有超過200萬人次的旅客在此過境。海港口岸客流呈“波浪狀”據介紹，九洲、灣仔邊檢站針對海港口岸客流呈“波浪狀”特點，與船務客運公司充分溝通，提前掌握航班及客流信息，及時變換通道類型設置，快速疏導旅客。橫琴口岸在假期當中也迎來大規模的客流高峰，不少珠三角的“自駕游一族”受橫琴大開發及澳門大學新校區開學等利好消息的吸引蜂擁而至，橫琴邊檢站一方面及時加開通道，全力提升整體驗放速度，另一方面積極採取“為民發聲”行動，聯繫相關單位在關後廣場安置臨時移動洗手間，解決旅客出境“如廁難”的問題，並加強巡查監護力度，及時解決旅客出入境需求，不斷迷你倉最平高邊檢服務水平。澳門情況澳門酒店太貴遊客帳篷過夜南都訊記者蔣生 十一澳門的酒店太貴了，讓原本冷清的澳門黑沙公園成為熱鬧的露營場所，高峰期一天有逾百個帳篷過夜。網上還有了“黑沙露營攻略”，一些廣東遊客一家大小選擇在此露營。10月生效的《旅遊法》讓赴澳團客減少約2成，但自由行強勢讓入境旅客不減反增，餐飲、零售等均有增幅。千元左右房間“一房難求”繼春節黃金周的帳篷熱之後，十一期間澳門的黑沙公園又成為內地遊客們露營場所。春節期間該公園一天高峰期有20多個帳篷，但是十一期間高峰期一天有逾百個帳篷過夜，人氣旺盛，非常熱鬧。十一期間澳門一般的酒店一晚價格要2000元左右，較廉價的酒店亦要千元左右，廉價的旅館也要七八百左右。並且這些千元左右的房間“一房難求”，無論預訂還是現場入住均不一定有房。不少廣東遊客選擇一家大小在黑沙公園露營，網上還興起了“黑沙露營攻略”，廣為流傳。零售銷量升2-3成基於內地《旅遊法》10月生效的影響，有澳門旅遊業內人士估算稱國慶黃金周減少約2成內地團客。澳門旅遊業議會理事長胡景光稱，措施將使國慶黃金周減少約2成內地團客，但自遊行補充了遊客數量，新旅遊法暫時對本地旅遊業、零售及餐飲生意未有大幅影響，估計農曆新年假期才能反映實際情況。澳門媒體則報道稱，黃金周餐飲業及零售業生意普遍理想，部分升幅2- 3成。一家茶餐廳稱，平時日賣出至少500個豬扒包，黃金周增幅2成。而數碼產品方面，新款手機iPhone5s和N ote3最受歡迎。迷你倉

彰化縣警局昨天在田尾鄉公路花園舉行騎警隊授旗成軍典禮，self storage由彰化縣長卓伯源進行校閱，14名騎警隊成員經過近4個月馬術特訓展現成果，未來每周六、周日下午在公路花園執勤，希望可加強為民服務及達到觀光效益。彰化騎警隊昨天下午在田尾鄉怡心園成軍，吸引大批遊客圍觀，許多遊客還爭相和騎馬的員警合照，騎警隊隊長劉晃聞帶領14名男女騎警隊員英姿煥發的騎馬進場，大家更是響起驚嘆聲。卓伯源授旗後，也與縣警察局長官政哲騎上馬進行校閱儀式，騎警隊展現分列式及隊形表演，相當精彩。卓伯源表示，騎警隊在今年彰化建縣290周年慶時成立意義非凡，是繼台北、高雄，第一個五都之外成立的騎警，因為田尾鄉是彰化知名觀光景點，希望騎mini storage隊未來在公路花園不僅是維護治安尖兵，也能成為親善大使。由於14名騎警隊員在成軍前原本對馬匹都相當陌生，4個月訓練過程相當辛苦，有人摔過馬、磨破皮，但現在已能展現馬上英姿，尤其4名女警更讓人眼睛一亮，長相甜美的女警陳恬玉說，一開始上馬訓練，當然會擔心，但加入騎警隊會有榮譽感，就要盡力表現。騎警隊成立前，也有許多不同意見，有地方人士說馬匹會阻礙公路花園人潮極多的道路通行，增加危險性，也有人認為浪廢警力「當花瓶」、「又不能騎馬去追歹徒」。不過縣警局表示，騎警隊未來每周六、日下午2時到6時分組執勤，能接受民眾報案，或機動性為民服務，以柔性方式拉近與民眾距離，達到預防犯罪，也建立警察清新、活力形象。迷你倉

BeijingLost in scenic spotFirefighters have been searching for three visitors lost in the mountains bordering the capital’s Miyun and Huairou counties, the Legal Evening News reports.mini storage The three women, all in their 20s, got lost in the Yunmengshan scenic spot, and could not be reached by mobile phone. The rescue effort continues.Internet cafes raidedTwo groups of masked men have raided two internet cafes in Chaoyang district, smashing more than 70 desktops and stealing money, the Beijing Youth Daily reports. The two cafes are run by the same owner, who suffered losses of more than 100,000 yuan (HK$126,250). Each raid lasted no more than three minutes and the raiders were gone before the police arrived. Police are still looking into the case.GuangdongChild policy mulledProvincial family planning authorities say they are considering new policies to support parents who have lost their only child, the Nanfang Daily reports. The government will provide subsidies to such families, as well as care for the elderly and other medical services.Bin burner soughtA middle-aged man has set fire to four trash bins along a quiet road in Shenzhen’s industrial zone, the Southern Metropolis Daily reports. The man went to wash his hands near a bus stop after his attempt to ignite a fifth bin failed, according to a witness who reported the incident to police. Firefighters put out the blaze but police are still looking for the man.GuangxiScam bustedPolice in Beihai city have busted a 300 million yuan pyramid scheme that involved more than 2,000 people, People.com.cn reports. Police have arrested 137 suspects and found that the scheme was started by three fraudsters, all from Guangdong province, in August 2009. Each member joining the scheme was asked to make an initial investment of 70,000 yuan, with the promise of high returns. The underground network had expanded across 12 cities in five provinces in the country’s southern region over the past four years.Suicide bid abortedA 19-year-old man in Liuzhou city jumped off a bridge into a river in an apparent suicide bid, but then decided he did not want to die, China News Service reports. He clutched onto the bridge pier and shouted for help until police rescued him. He told them he was drunk and refused to go to hospital for a check-up.HenanAnonymous heroA man has saved a mother and son from drowning in a pond in a scenic spot in Nanyang city, China News Service reports. The mother tried to push her son out of the water but herself sank deeper into the water. The man saved them both with the help of bystanders. He refused to accept money offered by the mother and gave no one his name.Costly incense deniedTourism authorities in Zhengzhou have rejected online reports that a bunch of incense sticks at the Shaolin Temple costs more than 6,000 yuan, People.com.cn reports. The reports say each incense stick is 1.2 metres long. The tourism bureau of Dengfeng city, which overseas the famous temple, dismissed the reports as rumours, saying only short incense sticks are burned in the temple.HubeiCure for scribblersManagers of a popular scenic spot in Wuhan city have set up five touch screens for visito儲存s to scribble on so that they will not deface historic relics, China National Radio reports. The Yellow Crane Tower on the banks of the Yangtze River, rebuilt in 1981, has been a victim of graffiti writers. Managers said the practice was now much reduced after visitors found their scribbles could be saved on the touch screens.Bravery testTwo young men have climbed along the cables of a suspension bridge bordering Enshi and Yichang without wearing any safety gear as a test of courage, the Chutian Metropolis Daily reports. The bridge, linking two mountains, is 560 metres above a valley. The two climbers reached a point about 40 metres above the bridge before being told to stop by police.JiangsuDeath leapA 60-year-old from Guizhou province has jumped to her death from the second floor of a museum in Yangzhou city, the Yangtze Evening News reports. The woman, who suffered from depression, was travelling with her family who hoped that the trip would bring her some relief.Museum scalpersScalpers in Nanjing are making more than 10,000 yuan a day by helping visitors gain entry into a museum without queuing, the Jinling Evening News reports. The scalpers charge each visitor 10 yuan to enter by ladder into a memorial hall to victims of the Nanking Massacre. They usually raise the charge to 20 yuan after 4pm when the hall is about to close.SichuanNo more perksEmployees at Chengdu government agencies and state-owned enterprises did not receive perks such as bonuses, gifts or shopping vouchers ahead of this year’s national holiday, the Western China Metropolis Daily reports. A 37-year-old official said he had to buy mooncakes, crabs and fruit which he previously received from his employer.Collision kills sixSix people were killed when the minivan they were in rear-ended a truck in Mianyang , China News Service reports. The front of the minivan was crushed, trapping the six people on board. All of them were killed. Police suspect the accident was caused by a third vehicle, which fled and has not been identified.YunnanDrug dealer seizedPolice in Xishuangbanna prefecture have arrested an armed drug dealer and confiscated nearly 40kg of methamphetamine, Xinhuanet.com reports. At a police checkpoint, the suspect pulled out a gun and tried to smash his way past, but failed.Fishing season endsThe annual 17-day fishing season at Dianchi lake in Kunming has officially ended, the Kunming Daily reports. The length of the season is decided by scientists to ensure that only large fish are caught.ZhejiangStranded on purposeFlood control authorities say that 58 visitors stranded on Nanji Island, administered by Wenzhou , asked to stay there to watch Typhoon Fitow approach, China News Service reports. But one visitor sought help, saying she was trapped. All the visitors had signed agreements affirming they wanted to stay on the island.Anti-graft drive violatedSome government officials have been continuing to spend public funds on banquets and driving public vehicles for personal uses during the national holiday, Xinhuanet.com reports. An inspection team paid undercover visits to restaurants to look for violators of the anti-extravagance campaign.儲存倉

強積金投資世界中，儲存打工仔的投資選擇有限，但並不代表大家不能透過積金策略累積財富。所謂：「遲買好過無買」，趁�年底尚有兩個多月之際，嘗試選出四大市場的冠軍級強積金基金，好讓各位打工仔能夠考慮把握機會入貨。本港強積金「四強」表現中港股票信安港股基金險勝中港股票基金向來為港人的至愛投資板塊，摘自晨星（亞洲）截至九月二十七日數據資料，以一年表現計算，信安強積金計劃800系列的信安香港股票基金D錄得18.9%回報，險勝中國股票基金。截至今年六月底的基金概覽，該基金開支比率為1.34%，資產分布亦十分多元化，有金融、工業、公用事業、資訊科技及能源等行業；十大持股則有�豐控股（00005）、友邦保險（01299）、建設銀行（00939）、中移（00941）、騰訊（00700）等股份。該基金由○六年成立至今年六月底止，年均收益率為9.62%，累積回報率達87.28%。歐洲股票BCT勁升36%未見頂市場不斷將歐洲股票基金視為「見底復甦」之選，事實上歐股的確節節上揚，可見投資潛力蓄勢待發。以一年表現計算，以銀聯的BCT歐洲股票基金表現升36.52%最為「標青」，從今年第二季基金表現報告顯示，其投資組合主要持有股票及現金，投資比重最多的市場為英國（30.6%）、瑞士（12.2%）、西班牙（11%）及法國（10.8self storage）；涉及股票有NOVARTIS AG、BT GROUP PLC、HSBC HOLDINGS等。該基金三年累積回報率為35.53%。美國股票萬全逾24%回報最佳雖然美國暫時不「退市」，十月中更需要解決債務上限問題，但當地經濟復甦屬於事實，相信美股仍可以迎難而上。以一年表現計算，以萬全強制性公積金計劃的美國股票基金錄得24.64%回報最佳，該基金在○七年三月成立，投資經理為富蘭克林鄧普頓投資。截至今年七月底，其資產值逾二千萬元，基金開支比率為1.66%。現時基金投資組合有94.5%投資美國，1.5%投資加拿大、1.1%投資英國，以及持有2.9%現金。該基金表現方面，由年初至九月二十七日上升25.19%，至於三年年度化升幅為13.21%。日本股票有危有機 宏利奪冠自日本推行QE（量化寬鬆）至今，日股在升跌波幅中不斷攀升，雖然投資風險較高，但大家不要忘記「富貴險中求」道理。以一年表現計算，宏利環球精選（強積金計劃）的宏利MPF日本股票基金以44.86%升幅稱冠。截至今年六月底，基金開支比率為1.99%，投資偏重於金融（20.7%）、消費品（26%）和工業（24.2%）類別股票，持有TOYOTA MOTOR CORP、CANON INC以及KDDI CORP等。而年初至九月二十七日止表現則升31.95％。迷利倉

中國大陸近期PMI指數、出口、投資與消費等數據，文件倉均有谷底回揚態勢，霸菱投顧指出，中國大陸三中全會將於11月舉行，市場已沉浸在三中全會期待行情中，城鎮化、金融改革及環保概念股將為投資焦點。根據歷史經驗顯示，若中國大陸三中全會能提出振奮市場政策下，會後1年陸股上漲機率高。霸菱指出，雖中國大陸持續進行打擊貪腐措施，今年十一長假消費力道可能不如往年，但由旅遊帶動的內需還是值得期待。不過，霸菱指出，由於中國存倉陸進一步改革方案大都會遭遇謹慎審議，例如發改委員會今年度曾提出城鎮化草案，但卻沒有得到太多支持。若三中全會提出改革方案未能有所突破，屈時則大陸股市可能會出現一些失望性賣壓。尤其房價高檔，打房壓力仍存，根據歷史經驗顯示，當中國大陸100個城市新建住宅平均價格月成長率突破1％，政府將開始採取打房緊縮政策。由此推測，7月份月成長率開始轉正向，8月月成長率接近1％，若這樣漲幅延續下去，未來打房政策將在所難免。儲存

Source: The Gazette, Cedar Rapids, IowaOct.存倉 06--Get talking to Cedar Rapids City Manager Jeff Pomeranz about economic development and, before you know it, he's pulled a large framed photo off his office wall.The black-and-white shot features a rickety bridge flanked by a sleek new one over the Rio Grande, connecting Mexico to Del Rio, Texas, home to Pomeranz's first job as city manager."I was 27 at the time," said Pomeranz, a native of Queens, N.Y., and now 55. "I get energized making positive things in a community happen. My job is to see opportunity."Along the way, Pomeranz spent eight years in Port Angeles, Wash., at a time when the city's main employer, a timber company, closed its plant. So he's been up close to a community battling decline, too.He prefers the other.It is that preference that the Cedar Rapids City Council shared when in 2010 it grabbed Pomeranz and his resume of economic development triumphs in West Des Moines to help Cedar Rapids get back on its feet after its historic 2008 flood.For Pomeranz, it's been a role reversal.No longer is he part of the fast-growing suburbs around the big city in the Des Moines metro area, where he helped make economic development deals with the likes of Wells Fargo Home Mortgage, Aviva USA, Jordan Creek Town Center mall, Microsoft and two hospitals.On Sept. 20, 2010, he suddenly started working in the big city in the Cedar Rapids metro area, where some on the City Council were on edge about what they felt they were losing to ambitious neighbors Hiawatha and Marion."The City Council was tired of watching the city's tax base slip away," Corbett said of the thought behind hiring Pomeranz. "And with Jeff coming on board, who already had great success in West Des Moines with a lot of development deals and a lot of growth, it was a perfect fit."In an interview last week in his City Hall office conference room, Pomeranz said that a big city in a metro area can lose its "nimbleness" and start to assume that development will come its way because it is bigger.Not so, he said."It is absolutely critical that a large core city be in the game, be aggressive, be willing to compete," Pomeranz said. "You have to make sure you have a business environment where companies want to move and grow and prosper.""It's not just about throwing dollars out" in the form of economic incentives, he said. Important, too, is helping a developer maneuver through issues such as zoning changes, infrastructure needs and permitting requirements, he said.Pomeranz said West Des Moines did not favor development incentives when he arrived in 1998."We felt companies should want to be in our community," he recalled.But he said economic times changed, and cities discovered that competition among communities nearby and across the nation had intensified. Companies expected economic incentives as a condition of moving in.By way of example, he talked about the call he got about a development project from Wells Fargo Home Mortgage, which made it clear that they also were looking at the Des Moines suburb of Urbandale, the Carolinas and Texas. West Des Moines's offer of incentives ultimately prevailed, and now Wells Fargo Home Mortgage is one of the largest employers in Iowa, he said."'We're looking at a variety of other communities, and incentives will be important,'" Pomeranz recalled Wells Fargo saying. "They always say that."It's reality. It's part of the development arena right now. ... You have a choice. You can say no, or you listen."Then you try to minimize what you have to pay and maximize the scope of the project. That's kind of the dance."Since his arrival in Cedar Rapids in September 2010, the list of private-sector development projects with city incentives stretches to more than 15. In addition, the city also has a development deal with Penford to sell the processor a city park for expansion, and a development agreement in place to build a parking ramp for use by the city and Cedar Crossing Casino.A few other deals are in the works, Mayor Corbett added.One of the incentive recipients is developer Joe Ahmann, president of Ahmann Companies in Hiawatha, who has begun construction on a $35-million upscale office and retail development called The Fountains off Blairs Ferry Road NE and Edgewood Road NE. And he also is ready to renovate the flood-hit former Great Furniture Mart warehouse on First Street SE in downtown.Before Pomeranz's arrival, Ahmann said he nearly turned his back on Cedar Rapids 儲存ver the regulatory hurdles he said he faced in the city."'No, we can't do it, no, we can't do,'" he said he continued to hear from city officials before his arrival. "It was them against us, them against the developer."He recalled asking himself, "Why are we doing business here? Let's go back to Hiawatha."Scott Byers, a Realtor at GLD Commercial in Cedar Rapids, is part of an investor group that bought the long-struggling Westdale Mall at the end of 2012 and that is leasing the property to developer John Frew, who has obtained City Hall incentives as part of a $90 million project to transform the site.Byers called Pomeranz's help and the assistance of his City Hall development staff in the process "huge.""He welcomes you into their world now and tries to solve problems as opposed to what it used to be," Byers said of Pomeranz. "I'm just glad he's a city manager and not a commercial real estate guy because he'd be tough competition."He's very knowledgeable. He understands how deals are made."Hunter Parks, president of the Hunter Companies Inc. in Cedar Rapids, spoke in equally strong terms, saying the city manager has brought "a breath of fresh air" and a dose of "common sense" to City Hall for the development community.Parks said he's built an assortment of smaller projects in the city since Pomeranz's arrival three years ago. Most recently he secured a city economic-development incentive for the last phase of the Edgewood Station commercial development next to Westdale Mall."Instead of saying, 'We can't do it because that's the way it is,' he wants to figure out how to make something work," Parks said of Pomeranz.Lon Pluckhahn, who has been city manager next door to Cedar Rapids in Marion since 2007, said he has known Pomeranz for some years, and he said it hasn't surprised him to hear Pomeranz talk about the need for Cedar Rapids to be competitive on the economic-development front."Jeff's always been very aggressive," he said.Pluckhahn said his city manager predecessor in Marion, Jeff Schott, felt that it was important to streamline the development process so the city could move ahead quickly on projects in Marion -- an understanding that Pluckhahn said Pomeranz appears to have brought to Cedar Rapids.Marion believes in providing financial incentives for projects, too, he said.The Marion city manager pointed to Ahmann's Fountains development now under construction in Cedar Rapids as an example of the kind of project that had been heading to Hiawatha or Marion in the past."That one was pretty squarely aimed and what you find in Hiawatha or Marion," he said of Cedar Rapids's incentives for the Ahmann project.However, Marion isn't shaking in its boots and, in fact, recently secured a commitment from a new manufacturing company that Cedar Rapids also had tried to lure."We don't win them all, we don't have to win them all," Pomeranz said. "What we want to do is put our best foot forward and be as competitive as possible."Pomeranz said the post-flood public-sector investment in Cedar Rapids and now the private-sector investment that is following on its heels is more investment in three years than a community might see in 25 years."We have boom here," he said. "You could go your entire lifetime as a city manager and not be involved in this much investment."Pomeranz said he understands that some people don't believe that City Hall should provide economic-development incentives -- nearly all of which consists of foregoing some or all property-tax revenue for a period of time that would not be coming in but for the new investment -- to support development, attract new companies and help existing companies progress and grow."If you are saying that (property-tax incentives are) wrong, you're saying that development would occur anyway," Pomeranz said. "In West Des Moines, there are a number of projects that, without public support, would not have occurred."I would say the same thing in the city of Cedar Rapids."He said no deal is done just to do a deal."People are going to read this and say, 'It's all about giving money away,'" Pomeranz said. "Well, it's not. ... We want to make sure these projects are in the best interest of the community."Not all deals are good. And we don't do every deal. We keep in mind every day about being financially responsible."Copyright: ___ (c)2013 The Gazette (Cedar Rapids, Iowa) Visit The Gazette (Cedar Rapids, Iowa) at thegazette.com Distributed by MCT Information Servicesself storage

冬衣出貨旺季即將來臨，文件倉下游成衣逐漸進入旺季，估計9∼10月營收通常能再創歷史新高，法人看好成衣股聚陽（1477）。另外4日聚陽股價受惠與南紡宣布結盟消息帶動，漲幅3％。聚陽進入冬衣交貨旺季，8月營收衝上15.69億元，年增35％，創下今年單月新高，聚陽公布自結8月稅前盈餘為1.38億元，前8月稅前盈餘為10.83億元，較去年同期成長6.12％。法人看好聚陽9、10月旺季效應可期，業績與獲利將可再攀高。由於未來越南加入TPP（跨太平洋經濟戰略夥伴協定）後，紡織品輸美的零關稅條件，將採取「從紗開始」原則（YARN-FORWARD），也就是紡織品必須從紡紗、織存倉、到最終成衣的製成，都得在越南發生。南紡（1440）表示，為提升子公司生產技術能力，預計由南紡（越南）與聚陽實業旗下子公司共同簽訂「南方紡織」股權買賣合約，釋出所持有50％股權，雙方成為合作夥伴，各持股該公司50％。而未來南方紡織的董事成員將為聚陽及南紡各一半，以入股其越南子公司南方紡織50％持股的方式，宣布雙方正式結盟，預計4年內將成衣產能擴增至現在的3倍。看好相關題材者可留意國泰GX（066722）或F5富邦（067648）。（國泰證券提供，記者曾萃芝整理）＊【權證投資必有風險，本專區資訊僅供參考，並不構成邀約、招攬或其他任何建議與推薦，請讀者審慎為之】儲存

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Source: Dayton Daily News, OhioOct.self storage 06--COLUMBUS -- Ohio Gov. John Kasich has surprised some people with a first-term agenda that called for expanding Medicaid to serve more poor people, improving mental health services, giving ex-cons a second chance and rescuing women and children enslaved by human traffickers.The positions seem more the wish list of a social worker than a hard-nosed conservative Republican politician who used to work on Wall Street. And the Medicaid expansion in particular is strongly opposed by many members of his party.Kasich's close friends and the governor himself say a deep Christian faith is driving him to take these positions. Critics say Kasich is pandering to voters, and his likely opponent in next year's governor's race, Democrat Ed FitzGerald, accuses him of paying mere lip service to the Medicaid expansion while doing little to sway GOP leaders in the General Assembly to follow his lead.But while some may question his actions, few would have predicted he would become such a vocal advocate for expanding Medicaid, a program often targeted by Republicans as wasteful. And Kasich has raised eyebrows with the way he has urged support, often peppering his comments with references to God, life after death and his own religious experience.University of Akron political scientist John Green, a national expert on politics and religion, said it is common place for politicians to speak in general terms about religion. But Kasich "also puts these faith-based arguments in a policy context, advancing his particular agenda," he said. "And that is a little bit unusual."Kasich, 61, said in his State of the State address earlier this year that the Bible's lessons run his life."I'm serious, they're very important to me. Not just on Sunday, but just about every day," he said. "I got to tell you, I can't look at the disabled, I can't look at the poor, I can't look at the mentally ill, I can't look at the addicted and think we ought to ignore them. For those that live in the shadows of life, those who are the least among us, I will not accept the fact that the most vulnerable in our state should be ignored. We can help them. And I want all of you to think about this."The governor did not grant an interview to this newspaper about the role of religion on his governorship. But he has mentioned his deep faith often, both in his public remarks and in his 2010 book about his long-standing prayer group. In arguing that Ohio should expand Medicaid to serve 275,000 additional low-income Ohioans -- a position at odds with the fiscal conservatives in his own party -- Kasich told one of the Republicans in opposition that he needed to help people in poverty or he might not get into heaven."I said, 'I respect the fact that you believe in small government. I do too," Kasich told reporters in June as he recounted the conversation with a legislator he did not name. "I also know that you're a person of faith. Now when you die and get to the meeting with St. Peter, he's probably not going to ask you much about what you did about keeping government small. But he is going to ask you what you did for the poor. You better have a good answer.' "FitzGerald, who is Catholic, at first declined to comment but then said, "I've never told people that if they don't agree with me God is going to judge them for that."Former Gov. Ted Strickland, an ordained Methodist minister, said he wouldn't criticize Kasich or anyone else's expressions of faith. But, he noted: "I think on this earth we should try to do good not because we hope for or expect some external reward in the future. But we ought to do it simply because it's the right thing to do. I don't think our motivation ought to be centered on 'Hey this is going to help to help me have a good eternity.'"In his public pronouncements of faith, Kasich falls short of trying to convert followers but frequently hints that Ohioans should read the Bible and pray.At a Memorial Day Service for fallen soldiers this year, Kasich told the gathering: "The Lord has a plan. For those that don't believe, that's OK. Just check it out. See what you think. ... You know the future is coming and it's going to be glorious. And for your loved one who was taken away in service to another human being, it's going to be real glory. The Lord promised. He keeps his promises."He added: "Those who lay their life down for another will receive the crown. We're not going away folks. We're going to move, when you think about it, from life to death the same way that we move from one room to another."The heartfelt expressions -- along with a social justice agenda -- has won over the Rev. Tim Ahrens, pastor of First Congregational Church, United Church of Christ, in downtown Columbus. Ahrens bitterly opposed Kasich on the collective bargaining reforms that spotlighted his first year in office and resulted in a one-sided referendum defeat. But he backs him on Medicaid expansion and some of the other issues."When he feels the connection in the call of Christ to serve the poor, he speaks to that. When he doesn't, he doesn't. I don't think he uses that to manipulate," Ahrens said.But such religious rhetoric in the public square coming from a sitting governor can be alarming to non-believers, religious minorities and those who are uncomfortable with a blurring of the lines between religion and government."I am a firm believer in the separation of church and state. For me, that wall cannot be high enough," said David Sofian, senior rabbi at Temple Israel of Dayton. Sofian said he gets nervous when the religious language is more narrow and exclusionary rather than open and inclusive. "America is multi-cultural. I have to side with the politicians who include multiple views," he said.Annie Laurie Gaylor, co-president of the Freedom From Religion Foundation, said politicians need to respect that constituents have very different views.If they can't see the difference between their gubernatorial duties and their pastoral duties, they're overstepping the line," she said. "We don't elect our governors to be pastor in chief. They are entitled to their own religious views but not to use their gubernatorial pulpit like a literal pulpit."Kasich grew up attending Mother of Sorrows Catholic Church in McKees Rocks, Pa., where he served as an altar boy and held ambitions to be either a priest or President of the United States. He drifted away from the church as a young man, then was brought back in August 1987 when his parents -- John and Anne -- were killed after a drunken driver slammed into their car as they pulled out of a Burger King parking lot.The accident set Kasich on a course of prayer. A member of Congress at the time, he joined a Bible study group on Capitol Hill and then formed a Columbus-based prayer group with a mix of friends and acquaintances.His regular meetings with the Columbus group over the past 20 years form the basis of "Every Other Monday," the book he published in 2010 as he launched his first gubernatorial campaign. Over the years, the dozen or 迷利倉o men in the group have "become one another's closest friends and surest sounding boards," Kasich wrote.Bob Roach, who first met Kasich 40 years ago, said Kasich still regularly makes it to Bible study every other Monday. Seeing Kasich apply his faith to his policy decisions doesn't surprise the Bible study men."He has always had a lot of compassion for people who are having a lot of problems and troubles," Roach said. "He can be callous and speak before thinking and sometimes put his foot in his mouth, but he has a very good heart. He certainly doesn't lack confidence."Tim Bainbridge, a Bible study member who Kasich appointed chairman of the state Industrial Commission, said, "I think he has shocked a lot of people by what he has done. You can't pigeon hole him. He won't do 100 percent one way or the other. He just does what he thinks is right."In his book, Kasich said he worships at an Anglican church and sends his twin daughters, Emma and Reese, to a Christian school but doesn't make them attend Sunday services. He wrote that his wife Karen "knows the Lord" but skips church. "She worships on her own, in a variety of ways, and a lot of times, she just plain needs a break on Sunday mornings, after getting up early all week and chasing after our girls."Often during public speeches -- particularly during solemn ceremonies or milestone events -- Kasich recounts a religious experience.In his augural address in January 2011, Kasich said: "I am a servant of the Lord. He has opened doors all of my life. The Lord has. He has pushed me over the mountain this time. I don't know why, but I have no doubt that he has. I've spent a large amount of my life trying to figure out how he works. I got a message one day driving up-over by the Hoover Reservoir. It wasn't a telegram. It wasn't a phone call. It wasn't a voice. But it was clear.'Stop trying to figure it out, I'm not going to tell you.'"Kasich went on to advise the audience members to use their God-given talents and remember that God created everyone equal."You know, sometimes I see the scrub lady, and I realize that in the next life, she's likely to have a bigger crown than I could ever dream of. Don't go past them quickly; you could be passing an angel. Quiet reflection is necessary every day so as not to get lost," he said.Fiscal conservatives balking against Kasich's expansion proposal say they're worried about long-term costs and piling onto an unsustainable national debt. Chris Littleton, co-founder and former president of the Ohio Liberty Council, said, "It is neither Christian-like nor charitable to forcibly remove money from one group of people and give it to another. It doesn't matter the worthiness of the charity. Charity is a purely voluntary act."While others see Kasich's faith-based arguments for Medicaid expansion and other policy changes as sincere, Littleton has a more cynical view."He is absolutely pandering to whatever he thinks will endear him to a variety of different voters," he said. "It is an abuse of religious faith."But Lisa Hamler-Fugitt, executive director of the Ohio Association of Second Harvests Food Banks, gives Kasich credit for staking his political career on Medicaid expansion and other social issues that benefit the poor -- policies that most politicians eschew.Kasich's actions reflect a "purpose-driven life," said Hamler-Fugitt, who is not a Republican. "He has staked his political career on Medicaid expansion. There aren't too many elected officials who would do that....That sets him apart."Read the complete story...The story you're reading is premium content for subscribers of the Dayton Daily News, Springfield News-Sun, Hamilton JournalNews and Middletown Journal. Not a subscriber? Get total access to all our in-depth news and exclusive content here.Read MyDaytonDailyNews.com now -- 24-hour digital pass99? for 24 hoursRead MyDaytonDailyNews.com all week -- weekly digital pass$3.99 per weekSubscribe for as little as 33? per dayView OffersFor Subscribers: Register your account for digital access.Access DigitalFor Subscribers: Sign in here if you have already registered your account.Sign InBrought to you by:ChampionReid HospitalRich RoofingKorrect Plumbing-- Gov. John Kasich often talks about his religious faith and life. Here is a sampling of his public remarks:-- "I am a servant of the Lord. He has opened doors all of my life. The Lord has. He has pushed me over the mountain this time. I don't know why, but I have no doubt that he has. I've spent a large amount of my life trying to figure out how he works. I got a message one day driving up-over by the Hoover Reservoir. It wasn't a telegram. It wasn't a phone call. It wasn't a voice. But it was clear. 'Stop trying to figure it out, I'm not going to tell you.'" -- 2011 Inaugural Address.-- "My mom and dad were taken from me in a horrible car crash in 1987, but they didn't die in vain. Their son became a better man. And, you know, maybe through the death of Lee, we can become better people. But you know what, visit the family, hug them, tell them what a great young man Lee West was. Don't just stop after a week. You go and visit them. You will be doing a great service not only to them, but a great service to the Lord, as well." -- 2012 State of the State, addressing the death of a 15-year-old Steubenville High School student in a fire.-- "I'm just a real believer that when you have a chance to help children to find their way the Lord likes it. And if somehow you put yourself in front of the children I don't want to be there when you start getting the big questions asked. It's not important that they're asked here as much as it is when we meet our maker." -- 2012 press conference about the third grade reading requirements.-- "My motivation really flows through that old New Testament and the Lord is pretty clear about how he feels about our children and today, just like when we announced employment first, the sun has broken through the clouds and the Lord has a smile on his face. God bless all of you." -- 2013 press conference on insurance benefits for children with autism.Watch video clips of Gov. John Kasich's statements on religion.Medicaid expansionArkansas last week became the 24th state to expand Medicaid as part of the Patient Protection and Affordable Care Act. The Supreme Court last year allowed each state to decide whether to participate in the expansion, which would raise the eligibility level to all Americans earning up to 138 percent of the federal poverty level. In Ohio, the expansion would cover an additional 275,000 low-income people. The federal government has pledged to pay the full cost for three years, and then 90 percent after that. Although Gov. John Kasich says he opposes the Affordable Care Act, he argues that the expansion would be good for the state. Total federal aid is estimated at $13 billion over seven years.Copyright: ___ (c)2013 the Dayton Daily News (Dayton, Ohio) Visit the Dayton Daily News (Dayton, Ohio) at .daytondailynews.com Distributed by MCT Information Services自存倉

里昂中國香港策略研究部董事總經理張耀昌管理的中港股市組合，儲存年初至上月中上升了22%，大幅跑贏MSCI中國24%，也跑贏�指19.6%，故今期請他來前瞻第四季港股形勢。 港股已回升了約三個月，升市可持續多久？張耀昌指出，「這輪升浪與去年9月底至今年1月的升浪相似，上次上升了5個月，由低位至高位MSCI中國上升了25%，今次料持續至年底，目前至年底料仍有8%上升空間。」 他續道，「近兩年，股市有個pattern：年初，經濟慢，市跌，然後政府介入保護經濟，谷番上來，市便升。」 PMI升 港股升 「今年也是，到7月中國領導人覺得經濟太弱要捧一捧，一捧PMI便開始轉勢，市便開始升，問題是可捧多久，如果經濟動力轉慢，PMI開始回落，市便會開始弱。PMI與股市關連度最高，去年PMI開始轉，股市便升，今年也是，PMI是很好的股市指標，當然也要看發電量及工業增加值。」 至於升浪可否持續至明年，他認為，「目前未看清2014年，但可參考去年，去年谷經濟到一定程度後，又放鬆了，經濟一放慢，市便跌。明年中國經濟增長不會有7.5%，目標大約在7%，會慢些。所以，明年股市料也會在一個交易區間，最多有10%上升空間。」正如今年，雖然大市不太好，但個別行業表現很好。 「到12月，我們會再周圍去見公司，睇下情況如何，經濟如何，經濟活動有幾高，去年12月見了幾間建築及機械公司，其實感覺到生意不特別好，廠很靜，所以股市僅升到今年1月，便開始跌，今年我們也會去調查一下。今年MSCI中國每股盈利增長7%，低於年初市場預測的10%，明年預測也是約10%。」 債務急升 產能過剩嚴重 「產能過剩是內地最大的問題，是內地政府最大的挑戰之一，要看今年新政府怎樣處理，若真想減低產能過剩，便要放慢投資或write off過剩產能，但經濟會慢。」 「中國產能過剩很難改變，2008至今，中國負債相對GDP比例升了一倍（見圖一），大部分的債去了工業產能，2008年的刺激方案，大部分應該用在基建等方向，但看2008年至今用最多錢是製造業，這是不合理的，因為全球需求很弱，內地需求又弱，不應增加那麼多製造業產能，所以產能使用率由08年一直下跌，跌至現時的78%（見圖一），目前這水平仍算可以，但若跌至70%水平，其實很危險。很多行業都產能過剩，最嚴重是鋼鐵、鋁，水泥好少少。因此，投資會避開鋼鐵等行業。」 「目前無甚麼行業見到轉機，我們覺得會繼續差，這很容易計，看工業投資，每年以20%增長，但工業生產每年只升10%至12%，投資快過賺錢，所以產能使用率會繼續跌，料持續至2015年。」 「三中全會怕有些人會有失望，長遠規劃會利好股市氣氛，但改變不會特別太多，除了對付銀行的壞帳外，其他全部已講過，如城鎮化、戶口改革、一孩政策、醫療改革、社保改革、保障性住房全講過，所以最主要是經濟好不好，PMI會否繼續升，這個最重要。」 政府正想辦法處理地方債 「內地政府正在進行地方政府債務的審計報告，做完審計後相信會想辦法處理有關債務，有個計劃去處理問題好重要。地方政府債務一直未有一個官方數字，有些人估得很高，約20萬億元人民幣，最低估15萬億人民幣，我覺得公布的數據會接近下限那邊。其實高低不緊要，最少要有個數字，你才知問題所在，政府目前在想很多方法儲存倉處理，例如撇帳或去槓桿，賣些資產或中央政府俾錢幫地方政府減低槓桿，要處理的是最差的債務，不需全部處理，有些負債可用債券再融資，也可拖長些還。若很激進地撇帳，對銀行便不是那麼好。」 至於美國退市，他預期，「年底才退，新興國家屆時料不會再急跌一次，印度已加息，已有些準備，市場已反映了，要看到時退多少。目前亞洲（日本除外）的基金，資金重新部署至台灣、韓國、內地，而全球的錢則去了日本及歐洲，因美國升了很多。」 --------------------------------- 股份篇：短�增持周期股 張耀昌管理的里昂中港股市組合，年初至上月19日累計上升了22%，大幅跑贏MSCI中國24%，也跑贏�指19.6%。主要受惠科網股及濠賭股表現出色，該兩個板塊佔其組合比重很高。 張耀昌於今年4月下旬接受本刊訪問，其間看好的股票，大部分表現突出（見表一）。由於近期股市回升，張耀昌也調整了組合，8月初因為認為會升市，故已加多了一些周期性的股份，與4月的組合比較，現組合多了中信銀行（00998）、平保（02318）、海螺（00914），另外，也多了申洲（02313）、Mindray（美國上市）、國泰（00293）、和黃（00013）、碧桂園（02007）、銀娛（00027）。 短�增加內銀比重 他表示，「未來調整組合或加多些內銀，因為內銀在其組合中佔比較MSCI中國低很多，如果市升，人們通常會買銀行，因為銀行是最大的行業，而且現時政府在進行地方政府債務審計報告，做完相信會想辦法處理。組合已加入中信銀行，因為細銀行會升得快些。」 「股市上升，短�可選較高beta的股票，如信義玻璃（00868）、平保、神華（01088）及中信銀行。長�喜歡科網及濠賭股，濠賭股生意較去年還好，若股價跌下來，可買些。汽車及內房股可放長來看。」 看好申洲國泰 新增的股份大部分會看盈利催化劑，他表示，「組合9月初便加入了申洲，因為Nike有對新波鞋flyknit，大部分是申洲做，flyknit是似襪的波鞋，如織出來般，不是個個都可以做到，一對售價1,300元，幾受歡迎。另外，明年最大的投資主題可能會是全球復甦，我們剛調升國泰投資評級，因為若明年出口好轉，對公司會有幫助，國泰是世界最大的空運貨物公司，出口美國較多，我們組合已買入一些。」 至於消費股方面，他指出，「內地消費其實好好，只是投資者難找到好股票，因為電子商貿好，零售不好。內地烘焙食品如米餅，以及奶類飲品行業較好（見表二），而旺旺（00151）最主要就是這兩個生意，與統一（00220）及康師傅（00322）的即食麵是不同的市場。白酒生意也很好，利潤率高，股本回報率又高，只是目前受反貪腐措施影響，未清楚幾時見底。」 ﹏﹏﹏﹏﹏﹏﹏﹏﹏﹏﹏﹏﹏ Profile 現任： ?里昂中國香港策略研究部董事總經理 曾任： ?2002年8月開始擔任里昂證券亞洲地區電訊及互聯網行業研究部主管，2008年被任命為中港兩地策略研究部主管 ?1995年加入瑞士信貸第一波士頓，其後曾到美林工作 ?曾於美國德勤會計師事務所和富蘭克林鄧普頓基金集團，任註冊會計師 學歷： ?加利福尼亞大學伯克利分校理學學士學位，以及賓夕法尼亞大學沃頓商學院工商管理碩士學位及特許金融分析師迷你倉最平

劉佩瓊 港區全國人大代表　吉林省的規模從三個方面均約等於全國的2%。面積18.74萬平方公里，self storage佔全國1.95%；2012年人口2750.4萬人，佔全國2.03%；GDP達到11937.82億元，佔全國的2.31%。吉林省的地理特色是森林覆蓋率高，達到43.7%，有美麗的長白山，是全國六大林區之一。吉林省生態環境優良，是國家生態建設試點區，省內有各類自然保護區33個，長白山自然保護區被聯合國列為「人與生物圈」自然保留地。省內濕地佔土地面積9.22%，向海自然保護區被列入世界級濕地保護名錄。省內有松花江、遼河、鴨綠江、圖們江、綏芬河五大水系，礦產資源豐富，世界最大的人參產地，礦泉水資源豐富，旅遊勝景很多。吉林省的自然地理條件可謂得天獨厚！自然地理條件得天獨厚　吉林省的工業自建國以來就打好了根底，現在汽車是支柱工業。2012年汽車產量達197.56萬輛，僅次於上海，工業總產值1243.96億元，佔全省總產值的22.7％。我們視察了「一汽」、紅旗牌的展覽館及動車裝配車間。其他工業包括食品、石油化工、冶金建材等四大產業，佔工業總產值的68.5％。新發展的醫藥、信息、紡織及能源等共八大產業。可見吉林省的工業頗強大，只是較為集中，以國營為主。　在第三產業方面，高等教育相對於其人口有較大規模，為其他省區、甚至周邊國家提供人力資源。其他服務業較落後，這與人口密度及分佈有關；農產品加工的潛力未能發揮，特別是人參的加工工業沒有積極發展，是一大缺失。在過去十年，國家財政大幅度增加農林水建設的支出；對糧農給予價格保護、對農民的直接補貼都大大改善農民的生活，提高了農民生產的積極性。　我們從長春到吉林市、長白山、延吉等地，對於吉林省能夠在農業及工業生產之外兼顧了林業保護及產業發展、環境保護，更重視科研及教育，可稱為新世紀的模範省。可是省領導也向我們反映一個我國地方政府面對的問題：農業生產及林業保護未能為地方政府帶來稅收，以我國目前的經濟發展極依靠地方政府提供基礎設施、從事投資；人民對地方政府提供各種公共產品的要求日漸增加，例如地方治安、教育、住房、社會保障等。自2003年起我國又取消農業稅，地方政府的財政收支不平衡的問題卻日趨嚴重。分稅制未能按責任分工合理地分配稅入給各層地方政府，特別是基迷利倉政府。2012年吉林省的全年完成地方級財政收入1041.25億元。其中，稅收收入760.57億元，佔地方級財政收入的比重為73.0%。全年完成地方財政支出2471.2億元。其中：教育支出451.05億元；社會保障和就業支出304.0億元；科學技術支出24.96億元；醫療衛生支出160.36億元；住房保障支出145.19億元；節能環保支出113.85億元。地方財政赤字1429.95億元。中央的轉移支付是主要的補貼，但是長期而言如何解決這個矛盾呢？我可以體會到地方官員面對很大的壓力和困難，但是解決問題的關鍵在全國財政制度要與時俱進，中央及各層地方政府在財政資源、職能分工的制度要更新。　在去吉林之前一天，我剛從瑞士回來。我發覺瑞士與吉林不論在地理環境、產業結構及天氣方面都很相似。瑞士沒有加入歐盟，保留了其獨特的發展模式。在我國，自然環境相類的吉林省在農林業及工業方面都有很好的基礎，只是第三產業有待發展。在工業方面，大力鼓勵及投資於特色農林業加工，以提升農林產品的增加值，足以改善第一產業在產值及就業均不利於經濟統計的定義性劣勢。我們視察了長春皓月清真肉類股份有限公司的屠宰加工及肉牛飼養。屠宰加工採用了達到國際高標準的設備及技術，產品除國內市場外更出口二十多個國家，連續八年佔全國出口的百分之五十份額。加上優種肉牛新式的飼養，其經營及管理均可稱農牧業產業化、市場化及現代化的典範。全面指標評估發展　1999年國家林業局批覆《吉林長白山國家級自然保護區總體規劃》，成立長白山國家級自然保護區。自從國家下放林業給地方政府，2006年成立長白山保護開發區管理委員會，為林業保護管理及產業開發創造了條件。在農林牧業之外，林業加工有人造板、地板、實木門，此外有紅酒、營養食品、保健食品、及飲料等。吉林省大力推進與周邊地區的旅遊資源整合，改善交通，加大冰雪旅遊設施投入和市場銷售。長白山景區年接待遊客167.0萬人次，旅遊業收入大幅上漲。長白山景區年旅遊業收入首次突破四億元大關，達到47884萬元，發展潛力很大。　吉林省為我國不同地區保留其特色的環境下得以發展及改善人民生活樹立了榜樣，如果單看GDP其成績卻不突出，中央對各地方政府的業績評估應該有更全面的指標，國務院有關部門應該研究改善目前的制度。自存倉