Category Archives: Clothing & Fashion

Pass the sigma 23 on large aperture telephoto lens and focal length macro – head 郑州科技学院贴吧

Pass the sigma 23 on large aperture telephoto lens and focal length macro – head according to the latest news, in February 23 Sigma will release two new lenses, including a zoom and a fixed focus. According to the external network news show that this zoom lens is compact, and has a zoom ring, focus ring and tripod ring, it is likely to be a telescope larger than f 2.8 zoom lens. And the second lens is small, and it’s probably an anti camera lens. Two new Sigma 70-200mm  f lens and 2.8 lens; contrast the two sigma network broke the new camera, all of the existing 70-200mm F and sigma 2.8 as a comparison, and the two new lenses should be smaller than the lens size, zoom lens model for fixed lens is but can make nothing of it. There may be suitable for anti camera 100mm f 1.8 macro lens, to know the current suitable for macro lens reverse camera is not much, join the sigma of the lens is very looking forward to. From the view point of view: editor, news, the upcoming release of the two sigma new "black technology" of the people are very looking forward to the lens, zoom lens is likely to be a large aperture wide-angle zoom lens, and from the picture point of view silhouette of this lens has the tripod ring for the probability of this relatively large telephoto. Very suitable for architectural photography, portrait and other shooting, like friends can pay attention to. 传适马23日发大光圈长焦镜头及定焦微距无反头   据最新消息传出,适马可能将于2月23发布两款全新的镜头,包含一支变焦和一支定焦。根据外网的消息显示,这支变焦镜头体积小巧,而且具备了变焦环、对焦环以及脚架环,很有可能是一支一款光圈大于f 2.8的望远变焦镜头。而第二支镜头体积小巧,很有可能是一支无反相机镜头。 两款新镜头与适马70-200mm f 2.8镜头对比   此次外网爆料的适马两支新镜头,无一例外的都和适马现有的70-200mm f 2.8作为对比,而这两支新镜头都要比这支镜头体积要小巧,变焦镜头型号暂时不得而知,但是定焦镜头很有可能是适用于无反相机的100mm f 1.8微距镜头,要知道目前适用于无反相机的微距镜头并不多,适马这支镜头的加入还是非常期待的。   ・编辑观点:   从此次消息看来,适马即将发布的这两款全新“黑科技”的镜头让人十分期待,这款变焦镜头很有可能是一支广角大光圈变焦镜头,而从图片剪影上来看这枚镜头具有脚架环因此长焦的概率比较大。非常适合建筑摄影、人像等拍摄,喜欢的朋友可以关注一下。相关的主题文章:

Li Xunlei why do most people fail to earn money when they invest in money 山西大学生村官网

Li Xunlei: why most people do not run to win the investment income rate of monetary expansion Li Xunlei: why most people do not run to win the investment income rate of monetary expansion: 2001-2010 outperformed M2 mainly by investing in real assets remember at the end of 2010, I count the broad money M2 growth, found from late 2000 to 2010 at the end of 10 years. M2 compound growth rate of 18%, which expanded from 12 trillion and 800 billion to 72 trillion, the cumulative increase reached 4.6 times. What is M2? It’s cash in circulation, plus businesses, residents and other deposits. Plainly, cash and cash in the bank. If all the money in the society has expanded 4.6 times, has your wealth increased 4.6 times in the last 10 years? If not, it shows that your return on investment does not outperform the growth rate of cash and bank deposits in the whole society, suggesting that your share of wealth in the whole society has been reduced by a moderate percentage. Perhaps you would question the fact that the population has not increased a lot over the past ten years, and whether the rate of monetary expansion per capita is not so fast? The answer is, the population is increased by 74 million, but for the huge population base, only 5.7% increase in 10 years, compared with 4.6 times the size of the expansion of the money, almost negligible. Look again, the Shanghai Composite Index rose from 2000 to 2010 at the end of 35%. In other words, you invest in the Shanghai composite index yield can win CPI (10 years cumulative increase of 23%), but lost the GDP, but far lost M2. In fact, the main thing that can win M2 is real estate investment, the average increase of the national housing price in 2001-2010 years is more than 5 times, if the investment in other physical assets, the yield can basically close to or exceed the M2 growth rate. If you buy jewelry, jade, antiques, art and other higher rate of return, gold rose about 400%. Indeed, 18% of the compound return on investment is difficult to achieve, and Buffett hasn’t had such a good performance in the last 10 years. Remember 06 years I wrote an article called "buy what you can’t afford", the core idea is to invest in physical assets, and leverage. But most investors can’t afford to buy a house, they don’t dare to buy a house with leverage, so they have to buy stocks, and they all lose. 2011-2015 years: win or close to M2 growth only Shenzhen gem and Shenzhen real estate, I have put forward in the end of 2010 in the next 10 years, including real estate, including real assets, certainly won’t win M2, at the same time, optimistic about the stock market can win M2. Now 5 years have passed, and M2 has increased from 72 trillion to 139 trillion at the end of 15, which has increased by 92%, and the annual compound expansion rate is 14%. But from the increase in prices, there are research institutions statistics, in the past five years (from the end of 2010 to November 2015), the first tier cities housing prices rose by 45.53%, or significantly. By comparison, the second tier cities rose by only 10.73%. At the same time, three or four line city housing prices year-on-year decline continued to decline. Discussion on the price of newly built commercial housing in Shenzhen

李迅雷:为何大部分人投资收益跑不赢货币扩张速度   李迅雷:为何大部分人投资收益跑不赢货币扩张速度   2001-2010年:跑赢M2主要靠投资实物资产   记得在2010年的年末,我统计了一下广义货币M2的增速,发现从2000年末至2010年末的10年间,M2复合增长率为18%,即从12.8万亿扩张到了72万亿,累计增幅达到4.6倍。什么叫M2呢?就是流通中的现金加上企业、居民及其他存款,说白了就是现金和存在银行里的钱。   如果全社会货币扩张了4.6倍,那你的财富在过去10年里是否也增加了4.6倍呢?如果没有,说明你的投资收益率还是没有跑赢全社会现金和银行存款的增长速度,说明你在全社会的财富份额中等占比减少了。   或许你会质疑,这十年间人口不是也增加很多吗,是否人均货币扩张速度没有那么快?回答是,人口是增加了7400万,但这对于庞大的人口基数而言,10年只增加了5.7%,与4.6倍的货币扩大规模相比,几乎可以忽略。再看一下上证综指在2000年末至2010年末的涨幅,也只有35%。也就是说,你投资上证综指的收益率可以跑赢CPI(10年涨幅累计23%),但跑输了GDP,更却远远跑输了M2。   其实,能跑赢M2的主要是房地产投资,2001-2010年全国房价的平均涨幅超过5倍,若投资其他实物资产,收益率基本也可以接近或超过M2增速。如买珠宝玉器、古玩艺术品等收益率更高,黄金的涨幅大约在400%左右。   确实,18%的复合投资回报率是很难实现,巴菲特过去10年也没有这么好的业绩。记得06年我写过一篇文章,叫《买自己买不起的东西》,核心观点是投资实物资产,并加杠杆。但大部分投资者既买不起房子,更不敢加杠杆买房,只好买点股票,结果都跑输了。   2011-2015年:跑赢或接近M2增速的只有深圳创业板和深圳房地产   我曾在2010年的年末提出了今后10年包括房地产在内的实物资产涨幅肯定跑不赢M2,同时,看好股市能跑赢M2。如今5年过去了,M2从72万亿增加到了15年年末的139万亿,累计扩长了92%,年复合扩张率达14%。   但从房价的涨幅看,有研究机构统计,过去五年来(2010年年末至2015年11月),一线城市房价累计上涨45.53%,涨幅明显。相比之下,二线城市的涨幅仅为10.73%。同期,三四线城市房价同比涨幅不断递减。一线城市中,深圳市新建商品住宅价格上涨77.2%,为全国之冠。   但其他实物资产价格的涨幅都趋小,甚至下跌,如黄金、白银等贵金属,钢铁、煤炭、有色、石油等大部分品种的价格都出现了大幅度下跌。而珠宝玉器、古玩艺术品等价格的总体走势也已经回落。   但是,五年多前我认为应该会风水轮流转的股市却表现不佳,上证综指只上涨26%,其他各类指数的涨幅也不大,唯一超过M2增速的,是深圳创业板指数,上涨了139%,表现次好的是上证380指数,上涨了58%。此外,像香港恒生指数和国企指数,在过去5年里,竟然是下跌的。倒是美国的标普500和纳斯达克综合指数分别上涨了63%和89%。   跑赢M2要靠稀缺、并购和讲故事   回顾一下我在2010年末的预言,可谓对错参半。对的部分,是准确判断了实物资产投资高收益时代的结束,尤其是对黄金及大宗商品价格将出现回落拐点的判断,对古玩及艺术品价格涨幅回落的预判都分别在2011年及以后几年得到了印证。此外,我预测的金融产品将成为主流资金的主要去处,从目前看,中国也确实步入了金融产品时代。   但我对股市的乐观预测显然是错了,认为未来10年能跑赢M2。前5年上证综指只有26%的涨幅,根本原因是过去5年主板上市公司的整体累计盈利增速只有42%,不仅远低于M2的增速,也大大低于GDP的增速。而创业板指数为何能跑赢M2,是因为其过去5年的盈利增幅超过GDP的增速并接近于M2增幅。   既然过去5年中国的广义货币供应量增速如此之高,累计增加了92%,名义GDP增长了70%,那这剩下的16万亿货币去了哪里呢?估计大部分变成全社会债务的增量上了。但全社会加杠杆并没有带来企业整体盈利水平的相应提升,故社会的总体效率是下降的。也就是说,从盈利的角度看,是不应该投资股市的。   既然企业盈利增速下行不支持股市基本面,那为何股市还一度从2000点上涨到5100多点呢?这里面还是有M2大扩张的功劳,同时包括央行的6次降息提升估值水平。如2011年末,A的的平均市盈率为16.4倍,市盈率中位数为53.3倍,至2015年年末,平均市盈率为20.3倍,市盈率的中位数达到82.5倍。说明M2(风)还是起作用的。   讨论这这里,关于大部分人的投资收益跑输M2的答案已经逐步清晰了。即中国只有少数股票在过去5年中的盈利能够跑赢M2,所以,凭借基本面战胜M2的肯定是少数人。但可能还有部分少数人是通过“风”来跑赢M2的。即过去5年中新增的M2中有相当一部分是流入到各类可投资的资产领域的。不同的资产因受到“风力”的不同,其涨幅也大相径庭。   不少人为自己在15年的投资收益跑赢上证综指(26%)而窃喜,实际上,15年所有股票的算术平均涨幅达到63%,只是因为占总市值5%的市值最大的股票组合的年涨幅只有3.4%,从而拉低了上证综指的涨幅。而15年占总市值5%的市值最小的股票组合(共130只)的平均收益率达到142%。   很多投资者之所以没有获得超过算术平均的收益率,可能与频繁交易有关。因为持有这些高市盈率的股票不踏实。中国股票的年换手率是全球最活跃股市之一的纳斯达克2.5倍,所以,一些小市值股票能长期持有的话,收益率会更高。   可见,小市值股票因为身体轻盈,可以被风刮得很高。同样,创业板指数在13-15年的三年之内上涨了280%,除去盈利增长和利率下行的因素,超过2倍的涨幅应该归功于风的功劳。因为,创业板按可比口径计算,5年累计盈利增长71%。   小,不仅容易被风吹起,而且,也意味着稀缺和更容易被并购重组,小市值板块即便没有大风,也可以被各种“故事”吹得天花乱坠。有人统计,自06年年初至15年年末,每年年初买入市值最低的5%股票组合,10年的累计回报率达到61倍,每年回报率超过50%。此外,若买入市盈率超过200倍的股票组合,10年的回报率也接近800%,均轻松跑赢M2。   为何市盈率超过200倍的股票会有那么好的表现呢?是因为它们中的不少公司是因为盈利差而抬高了市盈率,它们会面临经营困难和重组需求。所以,在不能退市的潜规则下,故事就会随之而来。记得当年我负责君安研究所时,有财务功底很好的分析师们就构建了“未来三年公司现金流为负”的股票组合,结果该组合也远远跑赢大盘。   如今快20年了,股市的潜规则其实还未变,IPO限价发行、额度管理。所以,选股的策略其实还是一样,投资从小市值、稀缺品,从并购重组的预期以及富有想象力的行业入手。其实,房地产也是同理。一线城市相当于创业板。一线城市的核心区域的房地产属于稀缺品,核心区域的半径扩大一倍,土地供给就会增加三倍,稀缺性递减。   金融管制、货币扩张与贫富差距应作为投资的三个思考点   金融管制与物价管制一样,必然导致估值体系的扭曲,如果你认为未来金融开放是确定的,那么,你就投资那些因扭曲而导致低估的投资品。如果你认为金融管制在今后5年内仍将持续,那么,你就应该选择那些会因为扭曲而获取高估值的资产。事实上,过去20年来,管制一直存在,只是时松时紧。目前在人民币贬值预期及金融风险不断出现的背景下,金融管制应该加强。   M2增速之所以居高不下,与投资高增长有关,因为在三驾马车中,出口的贡献在减少,制造业和房地产投资增速在降低。未来五年,中国经济仍要维持6.5-7%的增速,还得靠政府投资来拉动,故货币膨胀会延续,M2增速估计要维持在12%左右。故投资要跑赢M2,还得靠风,因为企业盈利的增速不会高。   风的作用有多大,可以看一下香港的国企指数表现,过去5年,国企指数下跌了24%,即在香港这个没有大陆M2增速带来风的市场上,国企股票表现很差。但同期AH溢价指数上涨了41%,即从10年年末的98.81,上涨至15年年末的139.75。因此,过去5年,风对国企的类权益类资产的贡献达到41%,而对于民企的权益类资产价格上涨的贡献更大,远远超过盈利增长对资产价格的贡献。   贫富差距大也是中国与发达经济体的显著特征之一,基尼系数为0.46。在房地产市场上,房价收入比(类似于股市的市盈率)也是很容易迷惑人的数据。因为一线城市的房价收入比高得很离谱,你就不敢投资了。但事实上,由于中国富人主要集中在移民规模巨大的一线城市,所以,这些地方的房价就不断上涨。你如何投资房价收入比相对低的三四线城市房地产,可能还要亏损。   中国的M2几乎是美国的两倍,人口超过美国的三倍,中国富豪的数量也直逼美国。但上海的房价仍然显著低于纽约。未来一线城市的房价会涨到什么地步,我不好预测。但投资房地产与投资股票其实有很多类似之处,去年一线城市房价的表现就相当于去年的创业板,三线城市就相当于去年的大市值股票。因此,贫富差距过大也会体现在各种投资品领域。   还有一种贫富差距,就是新兴行业与传统行业,有人形象地比喻为新中国和旧中国。它们之间的贫富差距也在不断拉大。2000年初的时候,国泰君安研究所出了一本书,叫《未来蓝筹》,15年过去回过头来看,除了少数公司之外,大部分被认为是未来蓝筹的,都已经走向衰落。   中国传统的周期性行业衰落还刚刚起步不久,新兴行业的崛起,其空间巨大。而国内投资者更倾向于炒短、炒新、炒小。这样的股市文化,也是导致估值水平长期偏高的原因。   二八定律几乎适合所有的领域,但中国与发达国家之间的差别,是因为增加了管制、货币扩张和贫富差距过大等因素,就变得更为极端,故在投资收益上可能是“一九定律”。   本文来源于李迅雷微信公众号:lixunlei0722 进入【新浪财经股吧】讨论相关的主题文章:

PCB industry lift price tide, concept stocks benefit demand exceeded expectations 湖南商学院教务处

PCB industry lift price surge in demand than expected stocks benefited from sina finance App: Live on-line blogger to guide the purchase of new shares: the stock market is the most simple way to pick up the money according to the media reports, even on the printed circuit board, some enterprises have to hang out notice of price increases, the board price rose 5% to 20% dollars. Some enterprises said that the reason for improving the price of circuit boards was that the prices of raw materials such as copper clad laminate and copper foil continued to rise substantially. In addition, in addition to tight supply, the popularity and upgrading of electronic products to increase the demand for terminal market, which has become a supporting factor in the rise of circuit board prices. Guoxin Securities research report pointed out that, in the two quarter of 2016, CCL copper plate orders are hot, PCB circuit board downstream market, the growth of automotive electronics is very fast. At present, the automobile electronic PCB output value is about 5 billion 300 million US dollars, which is expected to reach 7 billion US $2020, and the growth rate is higher than that of the whole PCB industry (quoted from Prismark data). There are other communications, servers, new energy vehicles and other markets, PCB demand is relatively strong. In the short term, the supply shortage is difficult to improve, the market demand is still increasing. There are institutional data show that last year by the world’s major electronics industry personal computers, smart phones and other products slowdown, and inventory adjustment and other factors, PCB industry output fell by 3.7%. However, under the impetus of new requirements such as automotive intelligence, the agency expects that the global PCB industry will recover from 2016 to 2020, with annual compound growth rate expected to be around 2.3%. Analysts believe that PCB prices will be medium and long-term trends, the current industry inventory level is low, with the arrival of the peak season, the profitability of related enterprises will also grow substantially, especially good companies with the advantages of integration of industrial chain. Chukyo Electronics (002579) is the domestic advanced PCB production enterprises, currently has an annual production of more than 1 million 200 thousand square meters of production capacity, raise investment after the completion of the project will add production capacity of 360 thousand square meters of high-end HDI products production capacity. Shanghai power stock (002463) is China’s high-end PCB leading enterprises, 24GHz automotive high-frequency radar PCB products will be mass production, new energy vehicles BMS with PCB products have achieved small batch supply. China Science and Technology (002288) products covered include PCB, copper foil, copper clad laminate substrate and the whole industry chain product line, strategic cooperation with PHILPS, Matsushita and many other well-known enterprises at home and abroad in depth. Enter Sina Financial shares] discussion

PCB产业掀涨价潮 概念股受益需求超预期 新浪财经App:直播上线 博主一对一指导 新股申购:股市最简单捡钱方式   据媒体报道,连日来,部分印制电路板企业纷纷挂出涨价通知,提出电路板价格上涨5%到20%不等。部分企业表示,提高电路板价格的原因是上游覆铜板、铜箔等原材料价格持续大幅上涨。另外,除了供应偏紧,电子产品的普及和更新换代使终端市场需求量增加,这也成为电路板价格上升的支撑因素。   国信证券研报指出,2016年二季度开始,CCL覆铜板订单火爆,PCB电路板下游市场中,汽车电子的增长很快。目前汽车电子PCB产值约53亿美元,预计2020达到约70亿美元,增速高于整个PCB产业增速(引自Prismark数据)。其他还有通讯、服务器、新能源汽车等市场PCB需求比较旺盛。   在短期内供应紧缺难以改善的情况下,市场需求还在不断增加。有机构数据显示,去年受全球主要电子行业领域的个人电脑、智能手机等产品增速放缓,以及库存调整等因素影响,PCB产业产值同比下降3.7%。但在汽车智能化等新需求的推动下,机构预计,2016年至2020年,全球PCB行业将迎来恢复性增长,年复合增长率预计在2.3%左右。   分析认为,PCB涨价将是中长期趋势,目前行业库存水平较低,随着旺季的到来,相关企业的盈利也将大幅增长,尤其利好具有产业链一体化优势的公司。中京电子(002579)是国内先进的PCB生产企业,目前拥有年产量超过120万平方米的生产能力,募投项目达产后将新增产能36万平方米 年的高端HDI产品产能。沪电股份(002463)是我国中高端PCB龙头企业,24GHz汽车高频雷达用PCB产品即将量产,新能源汽车BMS用PCB产品已实现小批量供货。超华科技(002288)产品覆盖包括PCB、铜箔基板及铜箔、覆铜板等全产业链产品线,与飞利浦、松下等多个国内外知名企业深度的战略合作。 进入【新浪财经股吧】讨论相关的主题文章:

A large increase in off balance sheet credit in Zhejiang’s banking sector is invested in infrastruct 天下无敌唐川

Zhejiang banking sector balance sheet credit increased to infrastructure and real estate projects Sina fund exposure table: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? Click on [I want to complain], Sina help you expose them! Newspaper reporter Bao Hui Hangzhou reported that compared with the rapid growth of infrastructure investment, the growth rate of private investment is still in a significant decline. In the first half of the year, there are many problems in the financial sector in Zhejiang, such as asset allocation, multi asset management, government projects and personal loans, as well as a few areas. The people’s Bank of Hangzhou Center branch Chinese (hereinafter referred to as the "Bank of Hangzhou branch") report shows that the bright spot is in the direct financing increased 85.6%, financing costs continue to decline, the general weighted average lending rate fell from 7.33% in 2014 to 5.92% in the first half of this year. Private investment growth fell during the first half of this year, Zhejiang province’s GDP 20762 billion yuan, an increase of 7.7%, higher than the first quarter of 0.5 percentage points, at the same time, also higher than the 1 percentage points over the same period, ranking fourteenth in the country, compared with the first quarter rose 5. Among them, G20 held that Hangzhou is particularly brisk, GDP growth for the first half of 10.8%, all the sub provincial city and Hangzhou champion, this is the fifth consecutive quarter of double-digit growth in two. It can not be ignored that the rapid growth of Hangzhou, G20 infrastructure investment is also an important factor. In the first half of this year, the investment in fixed assets in Zhejiang was 13659 yuan, an increase of 12.6%, an increase of 3.6 percentage points higher than the national level. Infrastructure investment of 409 billion 900 million yuan, an increase of 28.5%, accounting for 30% of the total investment in fixed assets, the growth rate of 59.6%. Compared with the rapid growth of infrastructure investment, the growth rate of private investment is still declining significantly. In the first half of this year, private investment in Zhejiang increased by 4.5%, the growth rate was 1.7 percentage points higher than that of the whole country, but it fell by 4.5 percentage points over the same period last year. It is noteworthy that while the growth of social financing scale slows down, the off balance sheet credit business in Zhejiang’s banking sector has increased substantially. Hangzhou branch of the people’s Bank of China statistics show that in the first half of Zhejiang province’s social financing scale increment significantly reduced year on year. In the first half of this year, the scale of social financing in Zhejiang increased by 379 billion 670 million yuan, an increase of 210 billion 940 million yuan less than the previous year. As of the end of 6, the balance of social financing scale of the province was 104873 yuan. But the people’s Bank of Hangzhou branch said that if the reduction of the first half of the government debt replacement, the disposal of non-performing loans and asset securitization of these three factors, Zhejiang Province, the scale of social financing actually added 708 billion 100 million yuan, an increase of 44 billion 700 million yuan. At the same time, Zhejiang Province commercial banks through the asset management plan, trust schemes, beneficiary and three party financial tools to develop new sheet credit business, more channels for the introduction of capital Zhejiang. More than 400 billion of the off balance sheet loans of banks were investigated according to the Hangzhou branch of the Bank of China. At the end of 6, the balance of off balance sheet credit business of Zhejiang commercial banks was discussed in 4506.8

浙江银行业表外类信贷大增 多投向基建及房产项目 新浪基金曝光台:信披滞后虚假宣传,业绩长期低于同类产品,买基金被坑怎么办?点击【我要投诉】,新浪帮你曝光他们!   本报记者 包慧 杭州报道   导读   与高速增长的基础设施投资相比,民间投资的增速仍在明显下滑中。   上半年,浙江省的金融业存在资产配置过多向资管业务、政府类项目和个人贷款以及少数地区集中的问题。   中国人民银行杭州中心支行(以下简称“人行杭州中支”)的报告显示,亮点则在直接融资大增85.6%,融资成本继续下降,一般贷款加权平均利率从2014年的7.33%下降至今年上半年的5.92%。   民间投资增速下滑   上半年,浙江省生产总值20762亿元,增长7.7%,高于一季度0.5个百分点,同时,也高过全国同期1个百分点,在全国排名第14位,比一季度上升了5位。   其中,G20的举办,令杭州的表现尤为亮眼,上半年的GDP增速为10.8%,全国所有副省级城市的冠军,且这已是杭州连续第五个季度保持在两位数的增长。   不容忽视的是,杭州的高速增长中由于G20拉动的基础设施投资也是重要因素。   上半年,浙江省固定资产投资13659亿元,同比增长12.6%,增幅高于全国3.6个百分点。其中基础设施投资4099亿元,增长28.5%,占固定资产投资总额的30%,增长贡献率达59.6%。   与高速增长的基础设施投资相比,民间投资的增速仍在明显下滑中。上半年,浙江省民间投资增长4.5%,增速高于全国1.7个百分点,但比去年同期下滑了4.5个百分点。   值得注意的是,在社会融资规模增速放缓的同时,浙江银行业的表外类信贷业务大幅增加。   人行杭州中支的统计数据显示,上半年浙江省的社会融资规模增量同比大幅减少。上半年浙江省社会融资规模增加3796.7亿元,同比少增2109.4亿元,截至6月末全省社会融资规模余额104873亿元。   但人行杭州中支表示,若还原上半年政府债务置换、不良贷款处置及资产证券化这三项因素,浙江省社会融资规模实际新增7081亿元,同比多增447亿元。   同时,浙江省的商业银行通过资产管理计划、信托计划、受益权等第三方金融工具大力发展新型表外类信贷业务,多渠道为浙江引入资金。   银行表外类信贷逾4000亿   据人行杭州中支调查,截至6月末,浙江省商业银行表外类信贷业务余额4506.8亿元,比年初增加1218亿元,同比增长66%。   其投向主要在水利环境和公共设施管理业、交通运输业等基础设施及房地产项目。   针对前述情况,浙江一位银行业人士表示,表外类信贷业务股份行做得较多,主要是因为他们吸引低成本存款没有优势,这些表外信贷业务的资金来源多为理财等高成本的资金,所以只能高进高出。   而就表内信贷投放而言,投向的领域跟表外类信贷领域类似,也主要是在政府基础设施和房地产项目,包括个人房贷等。这也意味着投向实体企业的贷款变少,信贷结构需优化。   此外, 截至6月末,浙江省累计备案基金1763个、管理资产规模3872亿元,比年初分别增加26个、1161亿元。这些资金,目前尚未纳入贷款和社会融资规模统计,但实际上也是对实体企业的资金支持,对社会融资规模形成补充。   在票据风险频出的当下,浙江未贴现银行承兑汇票也出现大幅下降。   浙江原本就是票据大省,票据市场承兑签发量占全国20%左右。上半年,区域内未贴现银行承兑汇票净下降1630.2亿元,占同期全国净下降额的12.8%。全省银行承兑汇票签发量也在逐年减少,今年上半年下降22.8%。   这有两个原因,一方面受经济增长放缓影响,实体企业融资和开票需求下降。另一方面票据监管力度加大,有些银行停办了部分并不规范的票据业务,比如说没有真实贸易背景的、不规范的银行承兑汇票。   前述银行人士称,“票据业务‘去水分’中长期看,有利于经济金融的健康发展,但力度过大短期内也会对社会融资规模增长和部分小微企业的融资带来一定影响。”   存贷增减里的喜与忧   存款加速增长的同时,贷款增速却在下降,不少银行面临有钱贷不出的尴尬处境。截至6月末,浙江省地方法人银行机构人民币余额存贷比为64.7%,较上年同期下降6.9%。   上半年,浙江省金融机构各项存款余额95065.97亿元,比年初增加4764.36亿元,余额同比增长8.7%,增幅提高1.5个百分点。   在存款一片形势大好的同时,贷款却出现少增。截至6月末,浙江省金融机构各项贷款余额79880亿元,同比增长6%,比年初增加3414.1亿元,但同比少增469.7亿元。   以浙江台州区域为例,今年上半年,其银行业信贷增量为99亿,同比增长5.18%,增幅已经位居全省第4,但增量同比少增196亿。   一位国有大行的支行行长对21世纪经济报道记者分析,浙江区域内贷款大降的因素,一方面是套利渠道一步步消失,另一方面,目前大环境下企业扩张的冲动也减弱。“现在很多套利渠道没了,所以之前贷款套利的现象今年减少了很多。而是钱贷给好多企业,他们也不要,因为都比较冷静理性。”   贷款放不出去的情况下,一部分流入理财市场,一部分则留存于银行存款。由此,各大银行存款今年普遍稳步增加。以台州区域内的农行黄岩支行为例,今年存款形势是最近五年来最好,比年初增加8个多亿,以往同期只有4亿多。   (编辑:李伊琳,邮箱:liyil@@21jingji) 进入【新浪财经股吧】讨论相关的主题文章:

Learn Liu Yifei to stick to a supernatural supernatural eyelash 四川大学迎新网

Liu Yifei posted a fairies full of supernatural false eyelashes lead: micro-blog has turned a circle of friends hot topic called # why poor girls #, said it is girls to buy Cleansing Cream, lotion, lotion, perfume, foundation, eye shadow and other kinds of beauty supplies and 180. The masses of people shot their thighs and said they couldn’t agree more, but only one thing, many people said they had nothing to do with themselves. Then this is the cargo…… Ah, false eyelashes! (source: red show Chinese network) false eyelashes false eyelashes this seemingly humble beauty gadget, really, how many girls love a lifetime, hate for a lifetime". Eager to grab a big sister, but when you see the street nightclub strong false eyelashes, everyone’s heart is almost collapsed. Is it true that we are so close to false eyelashes? No, no, No. today, Hong Xiu Chinese network decided to open a "sister can also paste natural false eyelashes" course. The analysis of why natural eyelash stick in the eyes of others? Before class, I hereby declare that the purpose of this article is to teach you to wear natural false eyelashes and to wear them to school and at school. Love thick, exaggerated eyelashes sister, you can detour, because you really have who can control it. Look at the eye type choose false eyelashes Part1 see eye type choose false eyelashes, this is still very important, after all, false eyelashes are attached to the eyes of small things, as far as possible with eye type matching, can let God maximize. That’s why many girls always like to buy a bunch of fake eyelashes, and finally find the money thrown into the sea. Therefore, the red screen Chinese network first select several eye type with representative actress, let you intuitively feel: Oh, the original false eyelashes have to choose?! The traditional Chinese Danfeng Danfeng to say China traditional female stars who retro Phoenix eyes the most beautiful mind, the first jump out of Liu Yifei. Although the fairy sister’s own eyes have enough God, but the acting activities are still inseparable from the assistance of false eyelashes. Liu Yifei, look, how natural her eyelashes are! Uniform texture, slightly curling, and mascara tip grinding simulation style. This type of false eyelashes is slightly thicker in the latter half, not particularly dense, but maintains a similar density to its eyelashes. So whether it is campus drama, or costume drama can be completely natural without affectation. The basic characteristics of super deep eyes super deep eyes the eye is the eyes are big and long, so we should choose some longitudinal make the eyes more of God eyelash style, so long as the false eyelashes talent shows itself! If we want to say is that nature, in the choice of the long natural paragraph, do not choose too long the best style, the false eyelash eyelash length control than their true eyelash so long a mimi. Fan Ye like Fan Ye, although the overall makeup partial but false eyelashes long domineering, but the accident of nature. In this paper, the long long section of navigation will bring out what effect? Look at the quiet "elder sister" self made with enthusiasm. This pair of Bobbi dolls like eyelashes, just like sister’s hot figure, go out is absolutely the focus of the crowd forever"…… But from so many quiet pictures, she’s sailing 学刘亦菲贴一个仙气十足的超自然假睫毛   导语:微博朋友圈曾热转过一个话题叫#女生为什么穷#,说得是女生要买洗面奶、化妆水、乳液、香水、粉底、眼影等百八十种美妆以及生活用品。参与的群众纷纷拍大腿表示不能同意更多,但唯独有一样东西很多人表示跟自己无缘。那这货是……诶,就是假睫毛!(来源:红秀中文网) 假睫毛   假睫毛这个看似不起眼的美妆小工具,讲真的,让多少姑娘“爱了一辈子,恨了一辈子”。跃跃欲试的妹子一抓一把大,但当看到街上夜店风浓重的假睫毛时,大家 的内心又几乎是崩溃的。难道咱们就真得和假睫毛如此情深缘浅?不不不,今天红秀中文网就决定开一堂“姐也能贴出自然有神的假睫毛”课程。分析一把为什么自 然的假睫毛总贴在别人眼睛上?   开课之前,特此声明,本文旨在教大家贴出自然有神的假睫毛,平时上班上学都能戴。酷爱厚重夸张睫毛的妹子,可以绕道,因为你真得哪副都能驾驭啦。 看眼型选假睫毛   Part1看眼型选假睫毛,这点还是很重要   毕竟假睫毛是贴在双眼上的小物,尽可能跟眼型匹配,才能让有神度最大化。这也就是为什么很多妹子总喜欢买一堆各种款式的假睫毛,最后发现银子扔到海里去了。因此,红秀中文网先挑选几位眼型具有代表型的女星,让你直观感受下:喔,原来假睫毛得这么选?! 中国传统丹凤眼   中国传统丹凤眼   要说女明星里谁的复古丹凤眼最美,脑子里第一个蹦出刘亦菲。虽然神仙姐姐本身的眼睛已经够有神了,但是演戏活动依旧离不开假睫毛的协助。 刘亦菲   你瞧,她的假睫毛多么自然!毛质均匀,略微卷翘,并且睫毛尖磨细仿真的款式。这类型的假睫毛后半段稍稍加重,不算特别浓密,但是保持着跟自己睫毛相似密度。所以无论是演校园剧,还是古装剧都能完全自然不做作。 超深外双大眼   超深外双大眼   这种眼型的基本特点就是眼睛又大又长,所以理应选择一些纵向让双眼更加有神的睫毛款式,那么纤长型的假睫毛就脱颖而出了!既然咱们要说的是自然,那在选择纤长型自然款的时候,切记不要选那种过分长的款式,最好把假睫毛的睫毛长度控制比自己真实睫毛长那么一咪咪。 范爷   像范爷,妆容虽然整体偏霸气,但是纤长假睫毛却意外的自然。 本文导航   那过长的纤长款会带出什么效果?看宁静“二姐”的热情自拍就造啦。这一对芭比娃娃一样的睫毛就像静姐惹火的身材一样,出门绝对是“人群中永远的焦点”……不过从宁静这么多照片里看,她好像真得蛮爱的。 林依晨   内外双小圆眼   林依晨的小圆眼算是生活中绝大多数妹子的眼型:眼睛不算大,眼尾略微往上飞,可能内双可能外双。同属于这种眼型就得最好不要买根根分明的纤长款,最好选择自然交叉款假睫毛或者眼尾加长款。 林依晨   不信你看,纤长款既遮盖了双眼皮,又无法拉长眼距。眼睛非但没有变大,反而变得浮夸。 假睫毛    Part2就算手工假睫毛 也有大学问   既然找到了自己眼型适合的假睫毛之后,那我就愉快地去网上下单呗。且慢!还得分清楚毛质和梗的基本状况。   很多妹子会放弃假睫毛,完全是因为买了那种“台湾手工假睫毛9.9包邮”款。这么说吧,如果你想日常就能贴着假睫毛出门,那最好放弃这种假睫毛。它们看似经济实惠的假睫毛,而且还自带最柔软的棉线梗,其实贴起来效果真得非常不自然。 假睫毛   有种假睫毛,整根睫毛从睫毛根部到前端是一样的粗细,而且每根睫毛之间平行。这样的睫毛一般颜色也会是偏黑,一眼看上去就会觉得假假的。   而自然的假睫毛长这样!睫毛尖尖的就像自己真实的睫毛一样,同时和谐的末梢交叉,一簇簇的。长度也合理,整体睫毛长度基本不超过1cm。分享个人经验,比较偏爱这种透明梗的假睫毛。一来因为卸除时不会像棉线梗那么容易变形,二来就算没有画眼线直接贴,也会有种睫毛的效果。 本文导航相关的主题文章: