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　　《股林淘金》筆者在７月３１日文章表示「大市處安全時刻，mini storage不宜太早造淡」，表示８月上旬大市仍有力續升，升至２２５００點以上也不出奇，故建議投資者宜採取「盲婆煲粥，任得佢滾」策略，否則造淡者太早行動，大市一夾便容易身先士卒了！不足兩星期，前日（１３日）恆指便升抵了２２５００點，「盲婆煲粥」的策略率先見效，而造淡者真的是身先士卒了！　　筆者當天警告切勿買入定息收入之房產基金領匯（００８２３），過去８天以來的股價表現是跑輸大市，逆市下跌，顯示即使大市上升之時，一些板塊之股份仍會下跌，領匯便是一例！筆者聲明對領匯近３個月來的負面評論並非對此公司有偏見。事實上在領匯２００５年首次申請認購上市之時，筆者便在香港《經濟日報》建議強烈認購，更首次呼籲投資者宜借９倍孖展認購，之後一直都是建議吸納。但時移世易，美國長債息率的長期上升周期已展開，此類房產基金將會有一段頗長時間是跑輸大市的，除非投資者本身只著重於收股息，而不介意股價跑輸大市則另作別論。＊騰訊、水泥股升幅勝內銀股＊　　另外，筆者在７月１７日建議再追落後股份安徽海螺（００９１４）及中建材（０３３２３）及在７月２４日表示應持有較長時間，不要急於沽貨，兩者股價至昨天（１４日）為止分別上升了１８％及１５％，獲利self storage度僅次於筆者上周三（７日）建議套利的騰訊（００７００），但仍然多於筆者在６月２６日文章「拋棄恐懼，盡快入市為上策」建議吸納的五大內銀股中國銀行（０３９８８）、建行（００９３９）、工行（０１３９８）、交行（０３３２８）及招行（０３９６８）。＊利豐最壞情況應已成過去＊　　港股昨天因颱風休市，美股道指昨天下挫了１１３點，必會令今天（１５日）早上的港股受壓，加上兩股份騰訊及利豐（００４９４）的業績公布表現遜於市場預期，增添大市心理壓力。筆者在８月７日騰訊早上衝上３７９元的時候便呼籲「再升也無悔」，建議沽貨，現時的態度是沒有改變。筆者在７月３１日文章已表示踏入了８月中旬之後，美國的經濟數據可能反彈，退市的憂慮將會重臨，近一星期美國兩名聯儲局分局總裁先後的言論，暗示聯儲局適合採取退市行動之時間快將來臨，故未來的港股入市策略應轉變為短線，以防美股出現較大波動。港股中內銀股筆者較為放心，有中國新聞消息表示８月份以來中國的四大銀行新增貸款額達１５５０億元人民幣，顯示中央政府已逐漸放寬銀根，致力保７％之增長，若內銀股有調整，反而可以吼低吸納。利豐雖然業績遜預期，但在美國業務的最壞情況應已成過去，筆者反而覺得可以趁壞消息入貨，作長線的持有。《恆豐證券研究部董事　林家亨》迷你倉

Source: Dayton Daily News, OhioAug.迷你倉沙田 14--WRIGHT-PATTERSON AIR FORCE BASE -- The thunder you hear in the skies today is not thunder.The Ohio Air National Guard's 180th Fighter Wing has starting flying in F-16s to Wright-Patterson while crews repave the unit's home runway at Toledo Express Airport in Swanton. Two of the fighter jets landed at Wright-Patterson on Tuesday, and more arrived Wednesday, officials said.The unit flies an air sovereignty alert status mission to de迷你倉價錢end North American airspace.The Fighting Falcon jets were expected to stay in the Miami Valley until early September, base officials said.The F-16s will share the flight line with the Air Force Reserve's 445th Airlift Wing which flies the C-17 Globemaster III and is home based at Wright-Patterson.Copyright: ___ (c)2013 the Dayton Daily News (Dayton, Ohio) Visit the Dayton Daily News (Dayton, Ohio) at .daytondailynews.com Distributed by MCT Information Services迷你倉庫

MONTR�AL, Aug.儲存 14, 2013 /CNW/ - On July 25, 2013, a Hearing Panel of the Investment Industry Regulatory Organization of Canada (IIROC) accepted a Settlement Agreement, with penalties, between IIROC staff and Jacques Turenne.Mr.?Turenne admitted to engaging in a personal financial transaction with a client.Specifically, Mr.?Turenne admitted to the following violation:(a) On or about March 19, 2012, Mr. Turenne engaged in a personal financial transaction with a client, by borrowing money from her, without the knowledge and without the consent of the IIROC Dealer Member with whom he was employed, contrary to IIROC Dealer Member Rule 29.1.Pursuant to the Settlement Agreement, Mr.?Turenne agreed to the following penalties:(a) A fine in the amount of $10,000;(b) Suspension of approval for one month;(c) Pass the examination based on the Conduct and Practices Handbook Course within six months of applying for reapproval; and(d) Strict supervision for 12 months with mandatory submission of a monthly report to the IIROC Registration Department.Mr.?Turenne also agreed to pay costs in the amount of $1,000.The Settlement Agreement is available at: docs.iiroc.ca/DisplayDocument.aspx?DocumentID=8A816BF1928F4F30819B9C228B15CDDE&Language=en and the Hearing Panel's decision dated July 25, 2013 is available at: docs.iiroc.ca/DisplayDocument.aspx?DocumentID=D520699066A546D19853A75782660578&Language=en.Documents related to ongoing IIROC enforcement proceedings - including Reasons and Decisions of Hearing Panels - are posted on the IIROC website as they become available. Click here to search and access all IIROC enforcement documents.IIROC formally initiated the investigation into Mr.?Turenne's conduct in November 2012. The conduct occurred when he was a Registered Representative with the Shawinigan, Qu�bec branch of PEAK Securities Inc., an IIROC-re新蒲崗迷你倉ulated firm. Mr.?Turenne is no longer a registrant with an IIROC-regulated firm.IIROC is the national self-regulatory organization which oversees all investment dealers and trading activity on debt and equity marketplaces in Canada. Created in 2008 through the consolidation of the Investment Dealers Association of Canada and Market Regulation Services Inc., IIROC sets high quality regulatory and investment industry standards, protects investors and strengthens market integrity while maintaining efficient and competitive capital markets.IIROC carries out its regulatory responsibilities through setting and enforcing rules regarding the proficiency, business and financial conduct of dealer firms and their registered employees and through setting and enforcing market integrity rules regarding trading activity on Canadian equity marketplaces.IIROC investigates possible misconduct by its member firms and/or individual registrants. It can bring disciplinary proceedings which may result in penalties including fines, suspensions, permanent bars, expulsion from membership, or termination of rights and privileges for individuals and firms.All information about disciplinary proceedings relating to current and former member firms is available in the Enforcement section of the IIROC website. Background information regarding the qualifications and disciplinary history, if any, of advisors currently employed by IIROC-regulated firms is available free of charge through the IIROC AdvisorReport service. Information on how to make investment dealer, advisor or marketplace-related complaints is available by calling 1877442-4322.Investment Industry Regulatory Organization of Canada (IIROC) - General NewsCONTACT: Enforcement Contact: Carmen Cr??pinVice-President, Qu??bec514 878-2854ccrepin@iiroc.ca Media Contact: Karen ArcherSenior Media andPublic Affairs Specialist416 865-3046karcher@iiroc.camini storage

Editor’s Note: Cautiously optimistic, that can be the description of the economists’ general feedback on the latest data about China’s economic performance, at least according to the views that China Daily has collected here.迷你倉Many fears that investors had in earlier weeks are gone, particularly after the industry’s stronger growth from June. Apparently, the mini-stimulus program designed by Premier Li Keqiang has been working. For the remainder of the year, the stabilization of the industrial sector may be followed by more investment in fixed assets, such as the much talked-about Central and West China high-speed rail system. And more investment may be followed by more spending.At the same time, the economists’ remaining concerns stand out more clearly than ever. Those concerns focus on how China will free itself from the entanglement of an opaque financial system, a legacy from the lack of financial and fiscal reform in the previous decade, and the mounting debt that local governments have collected. This is exactly where China’s next reform effort will have to focus.Q1:Of the economic data for July, which one do you think is most significant? Why?Q2:Do you think growth can keep July’s momentum for the rest of the year?Q3:What do you think is the most important sign of the economy’s transition of its growth model?Q4:What is the economy’s biggest remaining challenge?A1The most important indicator right now is industrial production. Out of the official monthly data, industrial production is the best gauge of economic activity in China.The rebound in July suggests that the economy was recovering from the financial stress seen in June. As such, our GDP-tracking model indicates that third-quarter growth could rebound to around 7.8 percent to 8.3 percent.A2 No, the July surge was due to a rebound from a weak June. Data for August and September are likely to be in line with our expectations for mildly below-trend growth. That said, the government’s 7.5 percent GDP growth target for this year looks attainable, and the risk of a hard landing as a result of problems in financial markets has receded.The government’s “mini-stimulus” program announced in late July — comprising a cut in the small-business tax, a pledge to boost railway construction, and easier financing for exporters — may have a small impact later this year, but the effect was negligible in July, as fixed investment was flat. The best-case scenario seems to be a further flat trend in investment, as continued restrictions on the housing market and bans on erecting new government buildings will cap construction.A3The most important sign of transition will be a clear government commitment to reform. Top officials from Premier Li and President Xi down have signaled a strong preference for reform rather than short-term stimulus to boost growth. But apart from some financial liberalization there has not been anything fundamentally transformational announced so far. Hopefully some meaningful reforms will be announced at a high-level policymaking conference in October, and hopefully there will be a clear commitment toward their implementation.A4 The government has a clear capacity to boost short-term growth if necessary via fiscal and monetary policy. Longer-term growth is the bigger question.The biggest challenge is aligning the interests of everyone in government toward further reform and market liberalization. There are many problems ahead, such as the aging population and shrinking workforce and the buildup of debt from the 2009-10 stimulus and so on, which will be much easier to deal with if economic growth is faster.Economic reforms kick-started China’s economic development, and further reforms will enable it to continue growing and avoid the middle-income trap, which is a situation where economic growth in developing economies stagnates and per capita income stops converging with developed countries.Of course, this is easier said than done, which is why it is the economy’s biggest challenge.Alaistair Chan,economist at Moody’s AnalyticsA1Retail sales is really the only major indicator that’s been showing a clear uptrend since March. It has risen consistently on a year-to-date basis, showing that the underlying momentum of the economy is not too weak.This indicator is quite important due to its more stable nature relative to trade. During an economic slowdown, it is easy to get carried away by wildly swinging trade numbers, making it difficult to assess the actual health of the economy.A2China is now undergoing a structural reform phase. Given its long-term nature, the concern shouldn’t be on the next few months’ economic data. The key concern is whether China can get through this transition smoothly.Because we are at the beginning of such transition, hiccups are inevitable, and economic growth is set to slow further from present levels. However, we think a full-year growth rate above 7 percent can be tolerated.A3China is clearly steering away from the old model of excess credit-fueled investment. The leadership is now more reticent about initiating massive, across-the-board economic stimulus programs and is holding back from monetary stimulus despite the economic slowdown.The leadership has also quickly moved ahead with interest rate liberalization, which ultimately helps to rationalize the lending behavior of banks. This is in line with broader efforts to streamline investments in the future.To complement the rationalization of investment behavior, the government is encouraging investments in certain industries, such as environmental management and intra-city transportation. Economic transition is not a simple case of increasing consumption as a share of GDP. From the way reforms are developing, investment will remain a very important pillar of GDP growth.A4The biggest challenge is untangling the complicated webs of wealth management products and off-balance sheet debt. Not long before the listing of China’s State-owned banks, the non-performing loan problem was quite serious. Back then, the shadow-banking system was almost non-existent. Right now, it is difficult to comprehend the scale of the problem.It’s a dilemma because if the shadow-banking system is allowed to expand uncontrollably, it will be increasingly difficult to track where the money goes. But tough regulation can restrain shadow banking to a degree that further restrains economic growth.Chris Leung,executive director and senior economist for Greater China at DBS BankA1 Taken together, the July activity indicators suggest that the Chinese economy, having encountered some sluggishness during the first half, seems to be stabilizing and showing some decent pickup in activity going into the third quarter. This is most notable in the solid expansion in the July industrial output figure.From the demand side, exports showed some moderate recovery in July, and the steady slowdown in fixed investment growth since early in the year also appears to be stabilizing.Besides, the solid gain in July imports, especially the pickup in commodity imports (including iron ore and copper), also sheds some positive light on domestic demand conditions.A2The July data will remove some of the near-term downside risk to growth. But it remains to be seen how sustainable the pickup in July activity will be in the next few months. Regarding our GDP forecast for the second half, we expect the headline year-on-year real GDP growth rate to b文件倉 7.4 percent in the third quarter and 7.0 percent in the fourth. Our full-year 2013 GDP growth forecast stands at 7.4 percent with 7.2 percent in 2014.Policy uncertainty has been a major driver of market sentiment and economic activity in China, especially in recent months.In July, the State Council and the Politburo mid-year conferences attempted to restore market confidence via clarifications of economic policies. Premier Li Keqiang reiterated this year’s growth target of 7.5 percent and clarified the growth floor at 7 percent. In addition, mini-reform measures were announced to combine the targets of stable growth and economic restructuring.A3The nation’s economy is transitioning toward a more consumption-oriented growth model instead of an investment-oriented one. However, in July, retail sales growth was softer than expected, probably reflecting the constraint of slower income growth. Urban household disposable per capita income increased at a modest pace of 6.5 percent in the first half, undershooting real GDP growth.To rebalance the pattern of economic growth, in the short and middle term, the government should solve the main problems, including industrial over-capacity and inefficient investment.Yuan appreciation has also negatively affected exports since the second quarter.We suggest the currency should be allowed some depreciation.Also, policy fine-tuning has started. On the fiscal side, the government is pushing for a compositional shift in fiscal expenditure by cutting administrative public expenditure and increasing spending on social welfare, infrastructure and the service sector.On the monetary side, policymakers are trying to restore the effectiveness of credit policies by cracking down on speculative activity in the financial sector and guiding banks to lend more prudently and effectively.In addition, mini-reform measures have been introduced to support domestic demand, such as investments in railways and infrastructure, expansion of VAT reform in the service sector, a tax waiver for small businesses, simplification of investment approval procedures and support measures for exports.We expect more fine-tuning measures in the coming months. The scale and pace of policy fine-tuning will be important to gauge the growth outlook in the second half, and it will also be indicative of the reform agenda expected to be announced during the third plenary session of the Central Committee later this year.A4The biggest remaining challenge for China’s economy may be the systemic risks in the financial industry.In recent years, risks have built up in China’s financial sector, amid a boom in non-bank financing. We estimate that total social debt rose to 194 percent of GDP in 2012, compared with 145 percent in 2008. Corporate debt reached 124 percent of GDP in 2012.Major sources of risk come from corporate debt, local government debt and the spillover from shadow banking.The financial outlook in China depends on the pace of economic reform going forward.The dilemma faced by policymakers in China is essentially a trade-off between short-term and long-term financial stability. Active de-leveraging is helpful to contain financial risks in the long term, but overly aggressive de-leveraging could cause a hard landing and trigger an abrupt crisis.But bank insolvency is not an immediate risk, and China should pursue structural reform to avoid a repeat of Japan’s experience. It means that the delay in structural reform may delay a financial crisis for an extended period, but this comes at the cost of “zombie banks” and “zombie companies”, declines in competitiveness and a continuous slowdown in economic growth.Zhu Haibin,chief economist in China at JPMorgan Chase & CoA1 I mainly look at fixed-asset investment because it is the main driver of China’s growth. Investment growth is flat, even though production has ramped up a lot. Total fixed-asset investment (excluding rural households) increased 20.1 percent year-on-year, according to the National Bureau of Statistics in a statement on Friday. With investment growing at 20 percent, the economy remains quite weak. Fixed-asset investment is a key gauge of government spending on infrastructure. Looking forward, we will not see much upside with investment, given huge overcapacity and over-leveraging, which need to be worked off gradually.A2We have seen some momentum in production in July with factory production output up 9.7 percent from a year earlier. Some think the acceleration will help the country avoid an economic slowdown, but that could be a false dawn. There could be some short-term or temporary upswings with production in the future. However, we are not certain whether a trend of recovery will be firmly built. Most likely we will see the economy stuck in a low-growth path for a period longer than we thought before.A3We haven’t seen many signs of a change-of-growth model as of yet. But there are indeed signs of greater policy resolve to change the growth model. One of the signs of change is that the government has been refraining from rolling out an all-out stimulus program and instead has been focusing more on structural adjustments lately.A4The biggest remaining challenge is to strike a balance between growth stability and structural adjustment and between policy continuity and reform. Without such a balance, there is a high risk of the economy slipping into a severe slowdown, either now or in the future.Ren Xianfang,senior economist at IHSGlobal InsightA1Of the July data, we saw a surprising upbeat mood in foreign trade growth, which bounced back from the negative growth recorded in the previous month.This reflects an improving external environment amid the better-than-expected recovery of developed economies, which will continue to support the foreign trade growth for China for the rest of the year.Therefore, we are optimistic about economic growth for the first quarter next year.A2I don’t think such momentum can last long.Investment growth in July was partially down to a lower level last year. Investment in the manufacturing sector is stabilizing and infrastructure and housing projects are picking up.Growth in the coming months depends on whether government-led projects could accelerate and offset the negative effect of a weakening investment in manufacturing.But the basis for such investment is frail. Local government investment is still very much constrained by fund shortage because of the debt audit.This year’s investment will mainly focus on projects under construction rather than new ones.A3The performance of traditional sectors remains weak, and the overall economic growth still lacks impetus. Manufacturers were very much forced into technical upgrading.This trend is reflected in exports, where high-end manufacturers are playing an increasingly important role.However, the economic transition is still handicapped by the cyclic swing of the economy. The transition should be implemented during a recovery, but the repeated swings are impairing its effectiveness.A4The biggest challenge is that the current economic downturn is adding more pressure to the employment market.In previous years, unemployment pressure would only happen at one end of the job market. Despite job losses for office workers, people in the service sector are still in demand.But now we are seeing millions of college students struggling to find a job.Yang Weixiao,senior analyst at Lianxun Securities Co Ltd存倉

全國資訊消費 半年達2萬億規模 根據工業和資訊化部最新統計，文件倉今年上半年，涉及網絡和資訊基礎設施的全國資訊消費規模，高達2萬億元人民幣（下同），同比增長20.7%。其中通訊業務收入達5,642.6億元；軟件技術服務達8,345.8億元；資訊終端產品為6,168萬元；電子商務的累計交易額更達49,800億元；基礎設施投資亦累計達1,296.5億元，當中互聯網及數據通訊的投資增長最快，達43.8%。 流動網絡及智能手機等增幅最為驚人，特別是後者，在銷售手機中佔91%。有研究機構指，大陸的智能終端產品的滲透率已接近全世界的四分之一，比例超過全球平均水平。受到智能裝置普及的影響，流動服務所產生的規模亦大增，如手機音樂視頻、手機網絡遊戲和手機網絡文學等的用戶，較去年底分別增長14.0%、18.9%、12.0%，同時推動上半年流動互聯網流量同比增長62.6%。 大陸的網購活動亦持續增長，今年上半年的交易額達到8,559億元。網購同時帶動互聯網廣告的投入，同期的市場規模遠346.7億元。 智能手機出貨量中國佔兩成 根據美國市場研究機構Canalys發布的報告顯示，在今年第二季度，存倉球智能手機出貨量約為2.381億部，同比增長高達50%。雖然三星和蘋果已分別佔該市場的55%及20%分額，但中國的智能手機正在趕上，市場佔有率早已高過不少日本品牌。 在第二季度中，首五名的中國智能手機廠商分別是：聯想、宇龍、華為、中興通訊和小米，出貨量總和已佔全球20%，高於去年同期的15%。單是第二季度的中國智能手機出貨量同比增長為108%，達8,810萬部，聯想於該季度的出貨量為1,130萬部，但以大陸市場為主，達1,080萬部，佔比達95%。 超高清4K電視售價高未成主流 自去年開始，多間中日韓廠商都推出4K超高清電視，希望藉其帶動銷量。可惜，因價格昂貴及欠缺片源等問題，不論中外市場，4K電視仍未能普及。據了解，截至今年6月底，大陸的4K超高清電視只佔液晶電視市場的0.86%，但隨著大陸生產廠有意於下半年調低價格，將有望加快普及。 大陸目前仍以全高清1080p為主要訊號來源，支援相應訊號的電視台亦較多，而且全清楚電視才剛打入市場，相信4K電視要在當地快速推廣並不容易。 Text：編輯部 Photo：星島圖片庫 Art：C_hi Editor：Jean自存倉

Source: Tampa Tribune, Fla.迷你倉新蒲崗Aug. 14--TAMPA -- Starting Monday, HART bus riders will be able to use their smartphones to answer the question: "Where's my bus?"The free OneBusAway application will show the arrival time for the next bus at all Hillsborough Area Regional Transit Authority stops.It also could draw new riders, based on early studies of usage in a handful of cities that indicate some consumers appreciate the additional convenience of real-time information.Tampa will join Chicago, New York and Seattle, where University of Washington students created OneBusAway in 2008 to provide passengers the same information available to bus dispatchers through GPS data for the past decade.Advancements in smartphone apps resolved the longstanding challenge of how to deliver the information to passengers.The University of South Florida's Center For Urban Transportation Research and Georgia Tech University helped refine the project for use in Tampa, where HART has tested it since this spring.HART patrons on Monday can visit goHART.org for OneBusAway application access and download instructions."Basically it will be accessible on iPhones, Androids and it seamlessly interfaces with Web-enabled devices such as computers and tablets," HART spokeswoman Sandra Morrison said.Downloading OneBusAway Tamp迷你倉出租 begins with tapping a "My Location" icon and a map of the Tampa area appears on the screen, plus graphics that show all the active stops.A tap on the bus icon produces its estimated time of arrival, based on GPS technology that shows the bus location and speed to send near-instantaneous details on arrival information.Display features include the predicted departure time and the number of minutes until departure for a selected stop.Color codes indicate on-time, late or early buses in green, blue and red characters, respectively, while black numbers indicate no real-time information is available and the scheduled arrival time is shown instead.A HART survey earlier this year found that more than half of 400 respondents indicated real-time information about bus locations and arrival times could increase the number of trips people might take.Other research has found that transit riders with access to such information perceive their wait time to be about 30 percent shorter than riders who do not have access to that information, a report by USF's Center for Urban Transportation Research indicated.tjackovics@tampatrib.com(813) 259-7817Copyright: ___ (c)2013 the Tampa Tribune (Tampa, Fla.) Visit the Tampa Tribune (Tampa, Fla.) at .tampatrib.com Distributed by MCT Information Services儲存倉

招商銀行“微信銀行”提供賬單查詢、快速還款等多種信用卡服務。CFP 本報訊 （記者 孟群舒）繼招商銀行推出首家微信銀行後，自存倉工商銀行、廣發銀行、平安銀行等昨天也宣佈推出微信銀行或微信營業廳。記者通過登錄銀行官網掃描二維碼或搜索微信公�賬號，添加了多家微信銀行。在添加“中國工商銀行電子銀行”微信賬戶後，看到一串服務代碼，查詢黃金報價就發送“HJJG”，很快就收到回複：“2013年8月13日15時36分，人民幣賬戶黃金實時銀行買入價為263.09元/克……”工行上海市分行相關人士稱，除了服務代碼，客戶還可將需要咨詢的問題通過微信發送，工行提供全天候的人工業務解答。據招行相關人士介紹，微信銀行的優點在於可以大大利用任何碎片時間，讓客戶可以足不出戶就接觸到銀行業務，大大提高辦理效率。例如，客戶去網點辦理業務前，可先在微信上咨詢所需材迷你倉新蒲崗，避免重複往返。又如，想申請信用卡、貸款或預約辦理其他業務，也可在微信銀行選擇相應的菜單，進行信息錄入。之後，招行客服人員會主動聯繫你。一家股份制銀行電子銀行部相關人士表示，微信銀行與APP手機銀行軟件相比，具備免下載、免安裝、添加好友即可使用等便利條件。目前，微信銀行大多是信息咨詢服務。對此，廣發銀行工作人員表示，今後微信營業廳將陸續推出信用卡還款、借記卡賬戶查詢、個人貸款、金融資訊等全面的金融服務功能，涵蓋業務辦理、賬戶查詢、還款、投資、貸款、支付等多項業務。那時候，微信銀行將成為移動金融綜合服務平台。記者獲悉，由於微信5.0版具備快捷支付功能，建行、中行、招行等11家銀行已入場提供借記卡和信用卡交易。另外，多家銀行正在與微信支付團隊協商，有望年底前引入理財服務，屆時客戶可通過微信購買銀行理財產品，進一步豐富微信銀行功能。迷你倉出租

I own and run a small trading firm dealing in the wholesale of dried foodstuffs to local retailers.迷你倉價錢 I am about to start exporting and need to grant favourable credit terms for 90 days in order to garner this business.As I am required to pay my suppliers cash on delivery, this sales term will disrupt my cash flow while I wait for payment from my debtors. What options do I have to manage my cash flow such that it allows me to take on this new business?You could work with a bank to finance your export invoices by getting a cash advance against the invoices and shipping documents. This advance can then be used to pay off suppliers to ease cash flow.If your business provides services or contract jobs with progressive payments from debtors, you can opt for factoring and accounts receivables financing.What this means is that the迷你倉庫bank essentially purchases your accounts receivable, that is, your invoices, at a percentage of the invoice value and then advances the amount to you for working capital.The bank will then wait for the funds to be repaid by the debtor to offset the advanced amount. By undertaking this financing option, you not only turn your debts into cash but also offload the need to collect cash from your debtors, freeing up valuable time and resources.Maybank offers a range of solutions that can be customised to your working capital gaps and business needs.More information can also be obtained from our website .maybank2u.com.sg or by visiting any of our branches.- Mr Padulli Jaffar, head of SME banking at Maybank SingaporeDo you have a question for a business expert? Send your SME-related queries to Yasmine Yahya at yasminey@sph.com.sg儲存

dz.jjckb.cn//pages/webpage2009/html/2013-08/14/content_78374.htm?div=-1...2013-08-14 □記者 王龍雲 綜合報道 來源：經濟參考報因投資者對印度財政部為縮小經常項目逆差而推出的新舉措產生懷疑，文件倉12日孟買外匯市場...

金管局、證監會及保監處早前推出銷售投資相連壽險計劃新指引後，迷你倉新蒲崗投連險市場差不多陷於停滯。不過，友邦香港無懼新指引的影響，昨日宣布推出全新的投資相連保險。友邦香港澳門市場及業務策略總經理謝佩蘭表示，雖然新指引令銷售過程較以往複雜，但不認為是產品銷售的絆腳石。她認為，指引令銷售過程更加透明，客戶更加了解產品及風險因素，長期有助市場對投連險建立信心。謝佩蘭續稱，雖然新指引實施後，有個別銀行停止銷售投資相連保險產品，但未有對公司購成影響。她解釋，公司在本港仍然有領導地位，且有龐大的經紀團隊。她又指，公司全新的投資相連保險專攻25至35歲的年輕人市場，較市面上相類的投連險相比，計劃較�重保障方面，又可滿足客戶對迷你倉出租資、醫療及危疾的需求。她透露，公司目前八成保單均�重保障，相信此新產品是有需求的。根據2011年人口普查，本港勞動人口約44%是20至39歲的年輕人。而公司早前進行一項調查顯示，受訪年輕客戶平均月薪為2.3萬元，平均月花約5700元（月薪的25%）作投資或供保險之用。而受訪者於未來12個月最想購買的保險產品，依次為壽險、醫療及危疾。此外，友邦保險（01299）昨日宣布，委任刁和慶為集團代理分銷首席執行官。刁和慶將負責進一步提升友邦保險「最優秀代理」的專業及生產力， 「最優秀代理」模式是集團舉足輕重的計劃，以確保友邦保險擁有全亞洲最強大的代理隊伍。他將向友邦保險區域首席執行官Ng Keng Hooi匯報。儲存倉