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上葡京娱乐场手机版app

时间: 2019年12月07日 00:42

上葡京娱乐场手机版app【【澳】【门】【新】【葡】【亰】【的】【a】【p】【p】】 上葡京娱乐场手机版app操作便捷,上葡京娱乐场手机版app由系统自动产生,上葡京娱乐场手机版app提供超过两百多款的经典在线老虎机游戏,玩累积彩金游戏您就有机会赢得超级大彩池和娱乐场大奖!。....ywksms

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】【你】【能】【否】【感】【受】【我】【的】【爱】【 】【合】【:】【 】【等】【到】【?】【去】【那】【一】【天】【 】【你】【是】【否】【还】【在】【我】【身】【边】【 】【看】【那】【些】【誓】【言】【谎】【?】【 】【随】【往】【事】【慢】【慢】【飘】【散】【 】【多】【少】【?】【曾】【爱】【慕】【你】【年】【轻】【时】【的】【容】【颜】【 】【可】【知】【谁】【愿】【承】【受】【岁】【月】【无】【情】【的】【变】【迁】【 】【多】【少】【?】【曾】【在】【你】【生】【命】【中】【来】【了】【又】【还】【 】【可】【知】【?】【生】【有】【你】【我】【都】【陪】【在】【你】【身】【边】【 】【多】【少】【人】【曾】【爱】【慕】【你】【年】【轻】【时】【的】【容】【颜】【 】【可】【知】【谁】【愿】【承】【受】【岁】【月】【无】【情】【的】【变】【迁】【 】【多】【少】【人】【曾】【在】【你】【生】【命】【中】【来】【了】【又】【还】【 】【可】【知】【一】【生】【有】【你】【我】【都】【陪】【在】【你】【身】【边】【 】【原】【标】【题】【:】【一】【生】【有】【你】【 】【责】【任】【编】【辑】【:】【陈】【玲】【玲】【[】【标】【签】【:】【标】【题】【]】 【环】【保】【税】【开】【征】【的】【征】【收】【标】【准】【:】【水】【污】【染】【物】【税】【额】【幅】【度】【为】【1】【.】【4】【元】【-】【1】【4】【元】【 】【 】【 】【2】【0】【1】【8】【年】【1】【月】【1】【日】【起】【,】【环】【境】【保】【护】【税】【正】【式】【开】【征】【,】【同】【时】【,】【施】【行】【了】【近】【4】【0】【年】【的】【排】【污】【收】【费】【制】【度】【正】【式】【退】【出】【历】【史】【舞】【台】【。】【作】【为】【完】【善】【绿】【色】【税】【制】【的】【重】【要】【一】【步】【,】【环】【保】【税】【的】【开】【征】【不】【仅】【是】【我】【国】【税】【制】【改】【革】【的】【重】【要】【.】【.】【.】【 】【 】【2】【0】【1】【8】【-】【0】【1】【-】【0】【2】【 】【0】【8】【:】【3】【5】【 】【来】【源】【:】【证】【券】【日】【报】【 】【国】【企】【国】【资】【改】【革】【将】【打】【造】【升】【级】【版】【 】【有】【望】【产】【生】【“】【牛】【鼻】【子】【”】【 】【 】【 】【【】【编】【者】【按】【】】【国】【有】【企】【业】【是】【国】【民】【经】【济】【的】【重】【要】【基】【础】【,】【也】【是】【社】【会】【主】【义】【制】【度】【的】【根】【本】【保】【障】【。】【国】【企】【改】【革】【是】【经】【济】【体】【制】【改】【革】【的】【中】【心】【环】【节】【,】【能】【否】【成】【功】【关】【系】【国】【家】【命】【运】【,】【关】【系】【整】【个】【经】【济】【体】【制】【改】【革】【成】【败】【。】【.】【.】【.】【 】【 】【2】【0】【1】【8】【-】【0】【1】【-】【0】【2】【 】【0】【8】【:】【2】【9】【 】【来】【源】【:】【经】【济】【参】【考】【报】【 】【促】【消】【费】【新】【政】【有】【望】【密】【集】【出】【台】【 】【跨】【境】【消】【费】【率】【迎】【政】【策】【“】【红】【利】【”】【 】【 】【 】【记】【者】【了】【解】【到】【,】【2】【0】【1】【8】【年】【,】【商】【务】【部】【将】【组】【织】【实】【施】【 】【商】【圈】【消】【费】【引】【领】【工】【程】【 】【,】【在】【部】【分】【大】【中】【城】【市】【开】【展】【商】【圈】【建】【设】【试】【点】【,】【用】【五】【年】【时】【间】【培】【育】【1】【0】【0】【个】【示】【范】【商】【圈】【和】【2】【0】【条】【老】【字】【号】【特】【色】【街】【区】【。】【.】【.】【.】【 】【 】【2】【0】【1】【8】【-】【0】【1】【-】【0】【2】【 】【0】【8】【:】【2】【6】【 】【来】【源】【:】【经】【济】【参】【考】【报】【 】【完】【善】【跨】【境】【反】【洗】【钱】【监】【管】【:】【境】【外】【刷】【卡】【取】【现】【1】【年】【不】【得】【超】【1】【0】【万】【 】【 】【 】【 】【国】【家】【外】【汇】【管】【理】【局】【于】【2】【0】【1】【7】【年】【1】【2】【月】【3】【0】【日】【发】【布】【《】【国】【家】【外】【汇】【管】【理】【局】【关】【于】【规】【范】【银】【行】【卡】【境】【外】【大】【额】【提】【取】【现】【金】【交】【易】【的】【通】【知】【》】【(】【以】【下】【简】【称】【《】【通】【知】【》】【)】【,】【规】【范】【银】【行】【卡】【境】【外】【大】【额】【提】【取】【现】【金】【交】【易】【。】【外】【汇】【局】【.】【.】【.】【 】【 】【2】【0】【1】【8】【-】【0】【1】【-】【0】【2】【 】【0】【8】【:】【2】【3】【 】【来】【源】【:】【经】【济】【参】【考】【报】【 】【资】【产】【管】【理】【公】【司】【资】【管】【新】【规】【落】【地】【 】【明】【确】【信】【息】【披】【露】【监】【管】【要】【求】【 】【 】【 】【银】【监】【会】【日】【前】【发】【布】【《】【金】【融】【资】【产】【管】【理】【公】【司】【资】【本】【管】【理】【办】【法】【(】【试】【行】【)】【》】【(】【下】【称】【《】【办】【法】【》】【)】【,】【明】【确】【资】【产】【管】【理】【公】【司】【的】【资】【本】【充】【足】【率】【要】【求】【,】【并】【通】【过】【设】【定】【差】【异】【化】【的】【资】【产】【风】【险】【权】【重】【,】【引】【导】【其】【按】【照】【 】【.】【.】【.】【 】【 】【2】【0】【1】【8】【-】【0】【1】【-】【0】【2】【 】【0】【8】【:】【2】【1】【 】【来】【源】【:】【经】【济】【参】【考】【报】【 】【哈】【药】【集】【团】【混】【改】【落】【地】【 】【中】【信】【资】【本】【控】【股】【持】【股】【6】【0】【.】【8】【6】【%】【 】【 】【 】【历】【时】【3】【个】【月】【时】【间】【,】【哈】【药】【集】【团】【混】【改】【赶】【在】【2】【0】【1】【7】【年】【末】【顺】【利】【落】【地】【。】【2】【0】【1】【7】【年】【1】【2】【月】【2】【8】【日】【,】【哈】【药】【股】【份】【和】【人】【民】【同】【泰】【分】【别】【公】【告】【称】【,】【中】【信】【资】【本】【天】【津】【拟】【通】【过】【其】【控】【制】【的】【黑】【龙】【江】【中】【信】【资】【本】【医】【药】【对】【哈】【药】【集】【团】【进】【.】【.】【.】【 】【 】【2】【0】【1】【8】【-】【0】【1】【-】【0】【2】【 】【0】【8】【:】【2】【0】【 】【来】【源】【:】【经】【济】【参】【考】【报】【 】【贵】【州】【茅】【台】【贵】【州】【茅】【台】【 】【2】【0】【1】【8】【年】【平】【均】【上】【调】【幅】【度】【1】【8】【%】【左】【右】【 】【 】【 】【四】【个】【月】【前】【还】【在】【因】【限】【价】【被】【媒】【体】【批】【评】【的】【贵】【州】【茅】【台】【,】【突】【然】【又】【要】【涨】【价】【了】【。】【2】【0】【1】【7】【年】【1】【2】【月】【2】【8】【日】【茅】【台】【公】【告】【称】【,】【为】【更】【好】【地】【统】【筹】【兼】【顾】【各】【种】【因】【素】【,】【经】【研】【究】【决】【定】【,】【公】【司】【自】【2】【0】【1】【8】【年】【起】【适】【当】【上】【调】【茅】【台】【酒】【产】【.】【.】【.】【 】【 】【2】【0】【1】【8】【-】【0】【1】【-】【0】【2】【 】【0】【8】【:】【1】【7】【 】【来】【源】【:】【中】【国】【经】【济】【网】【 】【房】【产】【税】【如】【何】【征】【收】【标】【准】【?】【个】【人】【房】【产】【税】【每】【年】【都】【要】【交】【吗】【?】【 】【 】【 】【导】【读】【:】【房】【产】【税】【如】【何】【征】【收】【标】【准】【?】【个】【人】【房】【产】【税】【每】【年】【都】【要】【交】【吗】【?】【很】【多】【人】【对】【于】【房】【产】【税】【怎】【么】【收】【、】【收】【多】【少】【感】【到】【焦】【虑】【,】【有】【关】【房】【产】【税】【的】【收】【法】【,】【按】【照】【财】【政】【部】【部】【长】【肖】【捷】【文】【章】【的】【提】【法】【,】【2】【0】【2】【0】【年】【,】【人】【们】【.】【.】【.】【 】【 】【2】【0】【1】【8】【-】【0】【1】【-】【0】【2】【 】【0】【6】【:】【3】【4】【 】【来】【源】【:】【工】【人】【日】【报】【 】【最】【走】【心】【年】【终】【总】【结】【咋】【写】【?】【2】【0】【1】【7】【年】【个】【人】【工】【作】【总】【结】【文】【艺】【版】【 】【 】【 】【最】【走】【心】【年】【终】【总】【结】【 】【写】【了】【啥】【?】【最】【走】【心】【年】【终】【总】【结】【在】【线】【阅】【读】【又】【到】【了】【一】【年】【一】【度】【写】【年】【终】【总】【结】【的】【艰】【难】【时】【刻】【,】【你】【是】【下】【笔】【如】【有】【神】【助】【,】【还】【是】【一】【句】【话】【都】【写】【不】【出】【来】【呢】【?】【别】【怕】【,】【我】【们】【看】【.】【.】【.】【 】【 】【2】【0】【1】【8】【-】【0】【1】【-】【0】【1】【 】【1】【7】【:】【1】【4】【 】【来】【源】【:】【搜】【狐】【网】【 】【冬】【奥】【会】【徽】【纪】【念】【邮】【票】【开】【售】【 】【在】【北】【京】【开】【售】【约】【1】【个】【小】【时】【就】【卖】【光】【 】【 】【 】【《】【北】【京】【2】【0】【2】【2】【年】【冬】【奥】【会】【会】【徽】【和】【冬】【残】【奥】【会】【会】【徽】【》】【纪】【念】【邮】【票】【今】【日】【开】【售】【。】【记】【者】【从】【北】【京】【多】【个】【邮】【票】【公】【司】【网】【点】【了】【解】【到】【,】【开】【售】【约】【1】【个】【小】【时】【,】【该】【套】【邮】【票】【就】【被】【抢】【购】【一】【空】【。】【 】【今】【天】【早】【上】【.】【.】【.】【 】【 】【2】【0】【1】【7】【-】【1】【2】【-】【3】【1】【 】【1】【8】【:】【3】【6】【 】【来】【源】【:】【法】【制】【晚】【报】【 】【个】【人】【持】【境】【内】【银】【行】【卡】【在】【境】【外】【提】【现】【金】【 】【每】【年】【不】【得】【超】【1】【0】【万】【人】【民】【币】【 】【 】【 】【昨】【日】【,】【国】【家】【外】【汇】【管】【理】【局】【官】【网】【发】【布】【《】【国】【家】【外】【汇】【管】【理】【局】【关】【于】【规】【范】【银】【行】【卡】【境】【外】【大】【额】【提】【取】【现】【金】【交】【易】【的】【通】【知】【》】【(】【下】【简】【称】【《】【通】【知】【》】【)】【,】【个】【人】【持】【境】【内】【银】【行】【卡】【在】【境】【外】【提】【取】【现】【金】【,】【本】【人】【名】【下】【.】【.】【.】【 】【 】【2】【0】【1】【7】【-】【1】【2】【-】【3】【1】【 】【1】【8】【:】【2】【9】【 】【来】【源】【:】【法】【制】【晚】【报】【 】【2】【0】【1】【7】【年】【8】【6】【家】【企】【业】【I】【P】【O】【被】【否】【定】【 】【3】【3】【家】【券】【商】【少】【赚】【2】【4】【亿】【 】【 】【 】【据】【同】【花】【顺】【I】【F】【I】【N】【D】【数】【据】【统】【计】【,】【今】【年】【发】【审】【委】【共】【审】【核】【了】【4】【7】【9】【家】【公】【司】【的】【首】【发】【申】【请】【,】【其】【中】【3】【8】【0】【家】【过】【会】【,】【过】【会】【率】【7】【9】【.】【3】【3】【%】【;】【8】【6】【家】【未】【通】【过】【审】【核】【,】【占】【审】【核】【总】【量】【的】【1】【7】【.】【9】【5】【%】【,】【其】【余】【1】【3】【家】【为】【暂】【缓】【表】【决】【.】【.】【.】【 】【 】【2】【0】【1】【7】【-】【1】【2】【-】【3】【0】【 】【0】【9】【:】【5】【9】【 】【来】【源】【:】【中】【国】【网】【财】【经】【 】【2】【0】【1】【7】【蓝】【筹】【白】【马】【独】【领】【风】【骚】【 】【期】【待】【2】【0】【1】【8】【年】【A】【股】【市】【场】【风】【格】【转】【换】【 】【 】【 】【2】【0】【1】【7】【年】【蓝】【筹】【白】【马】【独】【领】【风】【骚】【。】【一】【边】【是】【涨】【幅】【 】【过】【大】【 】【的】【大】【盘】【蓝】【筹】【,】【一】【边】【是】【业】【绩】【与】【交】【易】【量】【发】【生】【恶】【性】【循】【环】【的】【 】【僵】【尸】【股】【 】【。】【在】【此】【市】【况】【下】【,】【估】【值】【与】【业】【绩】【更】【匹】【配】【.】【.】【.】【 】【 】【2】【0】【1】【7】【-】【1】【2】【-】【3】【0】【 】【0】【9】【:】【5】【8】【 】【来】【源】【:】【中】【国】【证】【券】【报】【 】【央】【行】【:】【支】【付】【机】【构】【客】【户】【备】【付】【金】【交】【存】【比】【例】【提】【至】【5】【0】【%】【左】【右】【 】【 】【 】【人】【民】【银】【行】【公】【开】【市】【场】【业】【务】【操】【作】【室】【负】【责】【人】【就】【支】【付】【机】【构】【客】【户】【备】【付】【金】【交】【存】【比】【例】【调】【整】【工】【作】【接】【受】【本】【报】【记】【者】【采】【访】【。】【 】【记】【者】【:】【从】【支】【付】【机】【构】【和】【商】【业】【银】【行】【获】【悉】【,】【近】【日】【人】【民】【银】【行】【下】【发】【文】【.】【.】【.】【 】【 】【2】【0】【1】【7】【-】【1】【2】【-】【3】【0】【 】【0】【9】【:】【5】【7】【 】【来】【源】【:】【金】【融】【时】【报】【 】【年】【升】【6】【%】【创】【9】【年】【来】【之】【最】【 】【2】【0】【1】【7】【年】【人】【民】【币】【打】【了】【场】【“】【翻】【身】【仗】【”】【 】【 】【 】【2】【0】【1】【7】【年】【最】【后】【一】【个】【交】【易】【日】【,】【人】【民】【币】【对】【美】【元】【保】【持】【强】【劲】【升】【值】【势】【头】【,】【在】【岸】【即】【期】【汇】【率】【一】【度】【升】【值】【近】【3】【0】【0】【基】【点】【,】【逼】【近】【6】【.】【5】【元】【整】【数】【关】【口】【;】【截】【至】【收】【盘】【,】【人】【民】【币】【对】【美】【元】【汇】【率】【较】【上】【年】【末】【升】【值】【超】【过】【4】【3】【.】【.】【.】【 】【 】【2】【0】【1】【7】【-】【1】【2】【-】【3】【0】【 】【0】【9】【:】【5】【6】【 】【来】【源】【:】【中】【国】【证】【券】【报】【 】【国】【际】【铜】【价】【持】【续】【创】【新】【高】【 】【新】【需】【求】【增】【加】【等】【三】【大】【因】【素】【支】【撑】【后】【市】【向】【好】【 】【 】【 】【伦】【敦】【金】【属】【交】【易】【所】【(】【L】【M】【E】【)】【期】【铜】【2】【8】【日】【收】【涨】【0】【.】【7】【%】【,】【报】【7】【2】【8】【9】【美】【元】【/】【吨】【,】【继】【续】【刷】【新】【3】【年】【半】【来】【的】【新】【高】【。】【至】【此】【,】【今】【年】【期】【铜】【累】【计】【上】【涨】【幅】【度】【已】【超】【过】【3】【0】【%】【。】【沪】【铜】【主】【力】【合】【约】【2】【9】【日】【则】【微】【涨】【0】【.】【0】【2】【%】【,】【报】【.】【.】【.】【 】【 】【2】【0】【1】【7】【-】【1】【2】【-】【3】【0】【 】【0】【9】【:】【5】【6】【 】【来】【源】【:】【上】【海】【证】【券】【报】【 】【3】【6】【0】【借】【壳】【江】【南】【嘉】【捷】【成】【功】【过】【会】【 】【周】【鸿】【祎】【发】【微】【博】【感】【谢】【团】【队】【 】【 】【 】【作】【为】【2】【0】【1】【7】【年】【重】【磅】【财】【经】【事】【件】【,】【3】【6】【0】【借】【壳】【江】【南】【嘉】【捷】【在】【今】【年】【最】【后】【一】【个】【交】【易】【日】【上】【会】【。】【昨】【天】【(】【2】【9】【日】【)】【下】【午】【证】【监】【会】【公】【告】【称】【,】【3】【6】【0】【借】【壳】【江】【南】【嘉】【捷】【上】【市】【方】【案】【获】【得】【有】【条】【件】【通】【过】【。】【 】【奇】【.】【.】【.】【 】【 】【2】【0】【1】【7】【-】【1】【2】【-】【3】【0】【 】【0】【9】【:】【5】【6】【 】【来】【源】【:】【北】【京】【青】【年】【报】【 】【证】【监】【会】【:】【2】【0】【1】【8】【年】【全】【面】【实】【施】【新】【审】【计】【报】【告】【相】【关】【准】【则】【 】【 】【 】【近】【日】【,】【证】【监】【会】【发】【布】【《】【中】【国】【证】【券】【监】【督】【管】【理】【委】【员】【会】【公】【告】【》】【,】【对】【资】【本】【市】【场】【主】【体】【全】【面】【实】【施】【新】【审】【计】【报】【告】【相】【关】【准】【则】【做】【出】【有】【关】【规】【定】【。】【 】【根】【据】【《】【中】【国】【证】【券】【监】【督】【管】【理】【委】【员】【会】【公】【告】【》】【.】【.】【.】【 】【 】【2】【0】【1】【7】【-】【1】【2】【-】【3】【0】【 】【0】【9】【:】【5】【5】【 】【来】【源】【:】【证】【券】【日】【报】【 】【窥】【其】【轨】【迹】【 】【2】【0】【1】【7】【年】【中】【国】【互】【联】【网】【金】【融】【业】【六】【大】【关】【键】【词】【揭】【秘】【 】【 】【 】【未】【来】【,】【回】【望】【中】【国】【互】【联】【网】【金】【融】【行】【业】【的】【发】【展】【,】【2】【0】【1】【7】【年】【注】【定】【是】【重】【要】【的】【历】【史】【节】【点】【。】【这】【一】【年】【,】【频】【频】【出】【台】【的】【监】【管】【政】【策】【法】【规】【直】【击】【行】【业】【乱】【象】【,】【互】【联】【网】【金】【融】【风】【险】【专】【项】【治】【理】【取】【得】【成】【效】【。】【从】【校】【园】【.】【.】【.】【 】【 】【2】【0】【1】【7】【-】【1】【2】【-】【3】【0】【 】【0】【9】【:】【5】【5】【 】【来】【源】【:】【证】【券】【日】【报】【 】【药】【企】【一】【致】【性】【评】【价】【首】【批】【名】【单】【出】【炉】【 】【1】【7】【个】【品】【规】【药】【品】【过】【关】【 】【 】【 】【关】【乎】【药】【企】【生】【死】【的】【一】【致】【性】【评】【价】【工】【作】【有】【了】【第】【一】【阶】【段】【的】【结】【果】【。】【1】【2】【月】【2】【9】【日】【,】【国】【家】【食】【品】【药】【品】【监】【督】【管】【理】【总】【局】【药】【品】【审】【评】【中】【心】【(】【简】【称】【 】【C】【D】【E】【 】【)】【公】【布】【了】【第】【一】【批】【通】【过】【一】【致】【性】【评】【价】【.】【.】【.】【 】【 】【2】【0】【1】【7】【-】【1】【2】【-】【3】【0】【 】【0】【9】【:】【5】【3】【 】【来】【源】【:】【上】【海】【证】【券】【报】【[】【标】【签】【:】【标】【题】【]】 【税】【收】【关】【系】【国】【家】【 】【钱】【袋】【子】【 】【,】【更】【牵】【动】【每】【个】【纳】【税】【人】【的】【 】【钱】【包】【 】【。】【进】【入】【2】【0】【1】【8】【年】【,】【为】【推】【动】【经】【济】【高】【质】【量】【发】【展】【,】【税】【制】【改】【革】【无】【疑】【将】【加】【快】【步】【伐】【,】【更】【多】【相】【关】【部】【署】【将】【落】【地】【生】【效】【。】【那】【么】【,】【哪】【些】【税】【改】【与】【你】【息】【息】【相】【关】【?】【 】【制】【图】【:】【郭】【 】【祥】【 】【环】【保】【税】【:】【从】【1】【月】【1】【日】【开】【始】【企】【业】【事】【业】【单】【位】【等】【污】【染】【环】【境】【要】【缴】【税】【 】【2】【0】【1】【8】【年】【1】【月】【1】【日】【,】【《】【中】【华】【人】【民】【共】【和】【国】【环】【境】【保】【护】【税】【法】【》】【正】【式】【施】【行】【,】【我】【国】【将】【迎】【来】【一】【个】【新】【的】【税】【种】【 】【环】【境】【保】【护】【税】【,】【征】【收】【排】【污】【费】【成】【为】【历】【史】【。】【 】【环】【保】【税】【向】【谁】【开】【征】【?】【环】【保】【税】【法】【明】【确】【:】【直】【接】【向】【环】【境】【排】【放】【应】【税】【污】【染】【物】【的】【企】【业】【事】【业】【单】【位】【和】【其】【他】【生】【产】【经】【营】【者】【为】【环】【境】【保】【护】【税】【的】【纳】【税】【人】【。】【 】【环】【保】【税】【怎】【么】【收】【?】【根】【据】【污】【染】【物】【排】【放】【浓】【度】【实】【行】【差】【别】【化】【征】【税】【,】【即】【多】【排】【放】【多】【缴】【税】【。】【 】【环】【保】【税】【的】【到】【来】【,】【意】【味】【着】【我】【国】【在】【完】【善】【绿】【色】【税】【收】【体】【系】【上】【走】【出】【了】【突】【破】【性】【的】【一】【步】【,】【强】【化】【了】【税】【收】【对】【生】【态】【环】【境】【保】【护】【的】【力】【度】【。】【 】【中】【国】【财】【政】【科】【学】【研】【究】【院】【院】【长】【刘】【尚】【希】【说】【。】【 】【环】【保】【税】【缴】【到】【哪】【里】【?】【全】【部】【作】【为】【地】【方】【收】【入】【。】【据】【悉】【,】【目】【前】【,】【多】【地】【结】【合】【实】【际】【已】【为】【开】【征】【环】【保】【税】【确】【定】【了】【适】【用】【税】【额】【,】【做】【好】【开】【征】【保】【障】【,】【相】【关】【企】【业】【也】【加】【大】【了】【环】【保】【投】【入】【。】【这】【个】【税】【种】【增】【加】【的】【环】【保】【资】【金】【,】【将】【用】【于】【让】【地】【方】【政】【府】【更】【好】【地】【治】【理】【污】【染】【。】【[】【标】【签】【:】【标】【题】【]】 【中】【新】【网】【客】【户】【端】【北】【京】【1】【2】【月】【2】【9】【日】【电】【(】【王】【佳】【昕】【)】【央】【行】【发】【布】【的】【条】【码】【支】【付】【新】【规】【昨】【天】【刷】【屏】【了】【。】【看】【到】【扫】【码】【支】【付】【日】【限】【5】【0】【0】【元】【的】【消】【息】【,】【很】【多】【人】【抱】【怨】【额】【度】【不】【够】【用】【。】【其】【实】【,】【大】【家】【误】【会】【了】【,】【日】【限】【5】【0】【0】【元】【只】【是】【针】【对】【静】【态】【条】【码】【,】【如】【扫】【商】【家】【贴】【在】【摊】【位】【的】【二】【维】【码】【的】【付】【款】【方】【式】【。】【专】【家】【表】【示】【,】【5】【0】【0】【元】【限】【额】【已】【满】【足】【绝】【大】【部】【分】【的】【用】【户】【需】【求】【。】【如】【果】【消】【费】【超】【5】【0】【0】【元】【,】【商】【家】【扫】【用】【户】【条】【码】【方】【式】【收】【款】【则】【不】【受】【此】【限】【制】【。】【为】【什】【么】【限】【额】【?】【 】【静】【态】【条】【码】【不】【安】【全】【,】【真】【伪】【难】【辨】【 】【2】【7】【日】【晚】【,】【央】【行】【印】【发】【《】【条】【码】【支】【付】【业】【务】【规】【范】【(】【试】【行】【)】【》】【,】【自】【2】【0】【1】【8】【年】【4】【月】【1】【日】【起】【实】【施】【。】【新】【规】【将】【个】【人】【客】【户】【的】【条】【码】【支】【付】【业】【务】【根】【据】【风】【险】【防】【范】【能】【力】【等】【级】【进】【行】【限】【额】【管】【理】【。】【 】【风】【险】【防】【范】【能】【力】【分】【A】【、】【B】【、】【C】【、】【D】【四】【个】【等】【级】【,】【大】【家】【平】【时】【购】【物】【扫】【的】【商】【家】【贴】【在】【摊】【位】【前】【的】【收】【款】【二】【维】【码】【,】【为】【静】【态】【条】【码】【,】【风】【险】【防】【范】【能】【力】【最】【低】【,】【为】【D】【级】【。】【央】【行】【有】【关】【负】【责】【人】【在】【答】【记】【者】【问】【时】【表】【示】【,】【静】【态】【条】【码】【易】【被】【篡】【改】【或】【变】【造】【,】【宜】【携】【带】【木】【马】【或】【病】【毒】【,】【真】【伪】【难】【辨】【,】【导】【致】【支】【付】【风】【险】【较】【高】【。】【 】【因】【此】【,】【新】【规】【明】【确】【,】【使】【用】【静】【态】【条】【码】【,】【同】【一】【客】【户】【单】【个】【银】【行】【账】【户】【或】【所】【有】【支】【付】【账】【户】【单】【日】【累】【计】【交】【易】【金】【额】【应】【不】【超】【过】【5】【0】【0】【元】【。】【若】【个】【人】【客】【户】【需】【更】【多】【条】【码】【支】【付】【额】【度】【,】【可】【采】【用】【包】【括】【数】【字】【证】【书】【或】【电】【子】【签】【名】【的】【方】【式】【对】【交】【易】【进】【行】【验】【证】【。】【 】【中】【央】【财】【经】【大】【学】【金】【融】【法】【研】【究】【所】【教】【授】【黄】【震】【告】【诉】【中】【新】【网】【,】【对】【静】【态】【条】【码】【的】【额】【度】【限】【定】【,】【主】【要】【是】【基】【于】【安】【全】【性】【的】【考】【虑】【,】【大】【额】【支】【付】【要】【生】【成】【动】【态】【条】【码】【来】【扫】【。】【静】【态】【条】【码】【放】【在】【那】【里】【,】【确】【实】【方】【便】【,】【但】【便】【利】【性】【和】【安】【全】【性】【有】【时】【有】【冲】【突】【。】【如】【之】【前】【曝】【出】【的】【条】【码】【被】【偷】【换】【,】【小】【偷】【把】【钱】【偷】【走】【的】【案】【例】【。】【 】【中】【国】【人】【民】【大】【学】【重】【阳】【金】【融】【研】【究】【院】【高】【级】【研】【究】【员】【董】【希】【淼】【建】【议】【,】【使】【用】【条】【码】【支】【付】【时】【,】【尽】【量】【不】【要】【拿】【手】【机】【扫】【别】【人】【的】【静】【态】【条】【码】【,】【而】【是】【让】【别】【人】【扫】【你】【的】【手】【机】【。】【静】【态】【二】【维】【码】【的】【安】【全】【性】【远】【低】【于】【实】【时】【生】【成】【的】【动】【态】【二】【维】【码】【。】【专】【家】【:】【绝】【大】【部】【分】【条】【码】【支】【付】【 】【那】【么】【,】【扫】【静】【态】【条】【码】【支】【付】【单】【日】【限】【额】【5】【0】【0】【元】【够】【用】【吗】【?】【其】【实】【,】【真】【的】【够】【用】【了】【。】【央】【行】【表】【示】【,】【依】【主】【要】【市】【场】【机】【构】【条】【码】【支】【付】【交】【易】【数】【据】【显】【示】【,】【该】【额】【度】【已】【覆】【盖】【绝】【大】【部】【分】【使】【用】【条】【码】【支】【付】【付】【款】【客】【户】【的】【需】【求】【。】【 】【据】【董】【希】【淼】【介】【绍】【,】【2】【0】【1】【5】【-】【2】【0】【1】【6】【年】【,】【主】【流】【支】【付】【机】【构】【每】【日】【条】【码】【支】【付】【9】【5】【%】【以】【上】【都】【在】【5】【0】【0】【块】【钱】【以】【下】【,】【今】【年】【上】【半】【年】【,】【主】【流】【的】【支】【付】【机】【构】【条】【码】【支】【付】【人】【均】【每】【日】【金】【额】【是】【1】【0】【8】【块】【钱】【。】【 】【5】【0】【0】【元】【限】【额】【是】【针】【对】【用】【户】【而】【言】【,】【对】【商】【户】【并】【无】【限】【制】【。】【我】【想】【对】【于】【实】【际】【使】【用】【,】【无】【论】【是】【商】【户】【还】【是】【消】【费】【者】【个】【人】【,】【都】【不】【会】【带】【来】【影】【响】【。】【若】【你】【在】【饭】【店】【消】【费】【6】【0】【0】【元】【,】【要】【扫】【码】【付】【款】【就】【有】【点】【困】【难】【了】【。】【不】【过】【,】【这】【时】【让】【收】【银】【人】【员】【扫】【你】【手】【机】【上】【的】【二】【维】【码】【即】【可】【。】【 】【董】【希】【淼】【说】【。】【 】【据】【了】【解】【,】【目】【前】【条】【码】【支】【付】【中】【,】【商】【家】【扫】【用】【户】【条】【码】【的】【多】【为】【使】【用】【动】【态】【条】【码】【进】【行】【支】【付】【的】【方】【式】【。】【相】【对】【应】【的】【有】【另】【外】【风】【险】【防】【范】【能】【力】【分】【级】【及】【交】【易】【限】【额】【。】【 】【中】【国】【电】【子】【商】【务】【研】【究】【中】【心】【特】【约】【研】【究】【员】【李】【旻】【表】【示】【,】【使】【用】【静】【态】【条】【码】【,】【针】【对】【的】【就】【是】【小】【额】【消】【费】【主】【体】【,】【风】【险】【等】【级】【标】【准】【的】【制】【定】【符】【合】【市】【场】【需】【求】【,】【具】【有】【现】【实】【意】【义】【,】【并】【不】【会】【打】【压】【像】【煎】【饼】【果】【子】【摊】【位】【、】【奶】【茶】【店】【这】【类】【经】【营】【主】【体】【的】【实】【际】【经】【营】【。】【 】【央】【行】【有】【关】【负】【责】【人】【在】【答】【记】【者】【问】【中】【强】【调】【,】【为】【防】【范】【静】【态】【条】【码】【风】【险】【,】【静】【态】【条】【码】【应】【由】【后】【台】【服】【务】【器】【加】【密】【生】【成】【,】【宜】【采】【用】【防】【伪】【纸】【张】【展】【示】【条】【码】【,】【防】【伪】【纸】【张】【应】【具】【备】【一】【定】【防】【伪】【特】【征】【;】【静】【态】【条】【码】【应】【采】【用】【防】【护】【罩】【等】【物】【理】【防】【护】【手】【段】【避】【免】【被】【覆】【盖】【或】【替】【换】【,】【宜】【使】【用】【防】【伪】【标】【签】【对】【防】【护】【罩】【进】【行】【标】【记】【等】【。】【不】【得】【烧】【钱】【、】【补】【贴】【 】【对】【微】【信】【、】【支】【付】【宝】【有】【影】【响】【吗】【?】【 】【新】【规】【要】【求】【,】【非】【银】【行】【支】【付】【机】【构】【(】【简】【称】【支】【付】【机】【构】【)】【向】【客】【户】【提】【供】【基】【于】【条】【码】【技】【术】【的】【付】【款】【服】【务】【的】【,】【应】【当】【取】【得】【网】【络】【支】【付】【业】【务】【许】【可】【。】【同】【时】【,】【银】【行】【、】【支】【付】【机】【构】【开】【展】【条】【码】【支】【付】【业】【务】【应】【参】【照】【银】【行】【卡】【刷】【卡】【手】【续】【费】【定】【价】【标】【准】【科】【学】【合】【理】【定】【价】【,】【不】【得】【采】【用】【交】【叉】【补】【贴】【、】【低】【于】【成】【本】【价】【格】【倾】【销】【等】【不】【正】【当】【手】【段】【排】【挤】【竞】【争】【对】【手】【,】【不】【得】【采】【取】【 】【烧】【钱】【 】【补】【贴】【 】【等】【不】【当】【竞】【争】【手】【段】【。】【 】【一】【直】【以】【来】【,】【移】【动】【支】【付】【市】【场】【上】【,】【支】【付】【宝】【和】【微】【信】【支】【付】【是】【两】【大】【巨】【头】【。】【据】【易】【观】【智】【库】【报】【告】【,】【2】【0】【1】【7】【年】【第】【二】【季】【度】【,】【支】【付】【宝】【占】【据】【5】【3】【.】【7】【0】【%】【的】【市】【场】【份】【额】【,】【腾】【讯】【金】【融】【占】【3】【9】【.】【1】【2】【%】【。】【 】【针】【对】【新】【规】【,】【两】【大】【巨】【头】【也】【做】【出】【回】【应】【,】【称】【认】【同】【央】【行】【一】【直】【以】【来】【为】【规】【范】【条】【码】【支】【付】【所】【做】【出】【的】【努】【力】【,】【将】【与】【业】【界】【、】【监】【管】【部】【门】【一】【起】【探】【索】【创】【新】【模】【式】【和】【可】【行】【性】【。】【 】【董】【希】【淼】【认】【为】【,】【新】【规】【要】【求】【不】【能】【有】【排】【斥】【竞】【争】【对】【手】【的】【行】【为】【,】【如】【只】【能】【扫】【某】【家】【的】【二】【维】【码】【而】【不】【能】【扫】【另】【一】【家】【的】【;】【禁】【止】【低】【于】【成】【本】【价】【格】【的】【竞】【争】【,】【如】【扫】【码】【收】【单】【收】【1】【0】【0】【万】【,】【但】【投】【入】【2】【0】【0】【万】【,】【这】【样】【是】【不】【合】【理】【的】【;】【央】【行】【强】【调】【支】【付】【业】【务】【要】【有】【稳】【定】【、】【可】【持】【续】【的】【投】【入】【和】【运】【营】【,】【是】【要】【防】【止】【类】【似】【共】【享】【单】【车】【不】【断】【扩】【展】【出】【现】【多】【家】【公】【司】【倒】【闭】【的】【情】【况】【。】【 】【李】【旻】【也】【表】【示】【,】【支】【付】【宝】【和】【微】【信】【的】【补】【贴】【、】【红】【包】【活】【动】【不】【一】【定】【是】【不】【正】【当】【竞】【争】【行】【为】【。】【不】【正】【当】【竞】【争】【是】【指】【经】【营】【者】【违】【反】【《】【反】【不】【正】【当】【竞】【争】【法】【》】【的】【规】【定】【,】【损】【害】【其】【他】【经】【营】【者】【的】【合】【法】【权】【益】【,】【扰】【乱】【社】【会】【经】【济】【秩】【序】【的】【行】【为】【。】【因】【此】【红】【包】【与】【补】【贴】【是】【否】【构】【成】【不】【正】【当】【竞】【争】【需】【要】【进】【一】【步】【认】【定】【。】【条】【码】【技】【术】【不】【得】【滥】【用】【 】【理】【财】【、】【货】【币】【兑】【换】【等】【业】【务】【被】【禁】【止】【 】【新】【规】【提】【出】【,】【支】【付】【机】【构】【不】【得】【基】【于】【条】【码】【技】【术】【,】【从】【事】【或】【变】【相】【从】【事】【证】【券】【、】【保】【险】【、】【信】【贷】【、】【融】【资】【、】【理】【财】【、】【担】【保】【、】【信】【托】【、】【货】【币】【兑】【换】【、】【现】【金】【存】【取】【等】【业】【务】【。】【 】【黄】【震】【表】【示】【,】【央】【行】【之】【所】【以】【审】【批】【第】【三】【方】【支】【付】【牌】【照】【,】【是】【为】【了】【支】【持】【电】【商】【消】【费】【,】【不】【是】【为】【了】【让】【其】【成】【为】【理】【财】【、】【投】【资】【机】【构】【,】【否】【则】【就】【背】【离】【了】【审】【批】【支】【付】【牌】【照】【的】【初】【衷】【,】【也】【会】【产】【生】【不】【对】【等】【竞】【争】【,】【对】【银】【行】【等】【金】【融】【机】【构】【不】【公】【平】【。】【 】【这】【是】【原】【则】【性】【问】【题】【,】【要】【从】【账】【户】【性】【质】【上】【来】【看】【,】【支】【付】【只】【能】【是】【支】【付】【,】【不】【能】【将】【支】【付】【账】【户】【用】【于】【其】【他】【领】【域】【。】【 】【董】【希】【淼】【说】【。】【 】【对】【于】【实】【体】【特】【约】【商】【户】【(】【小】【微】【商】【户】【)】【,】【新】【规】【要】【求】【,】【收】【单】【机】【构】【可】【以】【通】【过】【审】【核】【商】【户】【主】【要】【负】【责】【人】【身】【份】【证】【明】【文】【件】【和】【辅】【助】【证】【明】【材】【料】【为】【其】【提】【供】【条】【码】【支】【付】【收】【单】【服】【务】【。】【 】【董】【希】【淼】【认】【为】【,】【央】【行】【此】【举】【是】【接】【地】【气】【的】【,】【将】【按】【规】【定】【无】【需】【办】【理】【工】【商】【注】【册】【登】【记】【手】【续】【的】【小】【微】【商】【户】【,】【纳】【入】【到】【条】【码】【支】【付】【受】【理】【范】【围】【。】【也】【就】【是】【说】【,】【你】【在】【农】【贸】【市】【场】【摆】【摊】【扫】【码】【卖】【菜】【,】【央】【行】【也】【是】【支】【持】【的】【。】【 】【原】【标】【题】【:】【扫】【码】【支】【付】【每】【日】【限】【额】【5】【0】【0】【元】【不】【够】【用】【?】【 】【你】【可】【能】【误】【解】【了】【 】【责】【任】【编】【辑】【:】【朱】【惠】【娥】【[】【标】【签】【:】【标】【题】【]】 【2】【0】【1】【7】【年】【岁】【末】【,】【人】【民】【币】【对】【美】【元】【汇】【率】【意】【外】【地】【走】【出】【一】【波】【大】【涨】【行】【情】【,】【短】【短】【5】【个】【交】【易】【日】【升】【值】【近】【8】【0】【0】【基】【点】【。】【截】【至】【1】【2】【月】【2】【6】【日】【,】【2】【0】【1】【7】【年】【人】【民】【币】【对】【美】【元】【汇】【率】【升】【值】【超】【过】【6】【%】【,】【打】【破】【了】【此】【前】【连】【续】【3】【年】【的】【贬】【值】【趋】【势】【。】【 】【市】【场】【人】【士】【指】【出】【,】【1】【2】【月】【中】【旬】【以】【来】【,】【美】【元】【指】【数】【回】【调】【为】【人】【民】【币】【汇】【率】【反】【弹】【提】【供】【了】【外】【部】【环】【境】【;】【国】【内】【对】【2】【0】【1】【8】【年】【经】【济】【预】【期】【更】【趋】【平】【稳】【,】【以】【及】【金】【融】【去】【杠】【杆】【、】【货】【币】【政】【策】【中】【性】【基】【调】【将】【延】【续】【,】【则】【为】【人】【民】【币】【汇】【率】【继】【续】【企】【稳】【提】【供】【了】【基】【本】【面】【支】【撑】【。】【展】【望】【2】【0】【1】【8】【年】【,】【美】【元】【指】【数】【继】【续】【上】【行】【的】【动】【力】【和】【空】【间】【均】【有】【限】【,】【外】【汇】【市】【场】【供】【求】【趋】【于】【平】【衡】【,】【人】【民】【币】【汇】【率】【预】【计】【将】【保】【持】【总】【体】【稳】【定】【。】【 】【年】【末】【迎】【来】【升】【值】【大】【戏】【 】【临】【近】【年】【底】【,】【在】【多】【数】【投】【资】【者】【预】【计】【人】【民】【币】【将】【继】【续】【 】【横】【着】【走】【 】【的】【情】【况】【下】【,】【人】【民】【币】【兑】【美】【元】【汇】【率】【却】【意】【外】【演】【绎】【了】【一】【出】【升】【值】【大】【戏】【。】【 】【这】【一】【轮】【行】【情】【中】【,】【离】【岸】【人】【民】【币】【对】【美】【元】【率】【先】【启】【动】【涨】【势】【:】【以】【1】【2】【月】【1】【3】【日】【大】【涨】【1】【4】【0】【基】【点】【为】【起】【点】【,】【离】【岸】【人】【民】【币】【一】【路】【走】【强】【,】【2】【0】【日】【接】【连】【突】【破】【6】【.】【6】【0】【、】【6】【.】【5】【9】【、】【6】【.】【5】【8】【、】【6】【.】【5】【7】【四】【道】【关】【口】【,】【当】【日】【涨】【幅】【达】【4】【1】【1】【基】【点】【,】【至】【2】【5】【日】【收】【盘】【离】【岸】【人】【民】【币】【汇】【率】【报】【6】【.】【5】【5】【1】【9】【,】【盘】【中】【最】【高】【触】【及】【6】【.】【5】【4】【3】【4】【,】【区】【间】【最】【大】【涨】【幅】【达】【8】【3】【6】【基】【点】【或】【1】【.】【2】【7】【%】【。】【 】【在】【岸】【人】【民】【币】【对】【美】【元】【升】【值】【则】【启】【动】【于】【1】【2】【月】【1】【9】【日】【,】【但】【后】【来】【居】【上】【,】【2】【0】【日】【、】【2】【2】【日】【、】【2】【5】【日】【,】【在】【岸】【人】【民】【币】【单】【日】【升】【值】【幅】【度】【分】【别】【达】【2】【7】【7】【基】【点】【、】【1】【7】【1】【基】【点】【、】【2】【8】【3】【基】【点】【;】【5】【个】【交】【易】【日】【累】【计】【升】【值】【7】【6】【6】【基】【点】【。】【 】【人】【民】【币】【兑】【美】【元】【中】【间】【价】【也】【连】【续】【上】【调】【,】【1】【2】【月】【1】【9】【日】【至】【2】【6】【日】【,】【除】【2】【2】【日】【小】【幅】【下】【调】【2】【6】【基】【点】【外】【,】【其】【余】【5】【个】【交】【易】【日】【人】【民】【币】【兑】【美】【元】【中】【间】【价】【均】【为】【调】【升】【,】【且】【2】【1】【日】【、】【2】【5】【日】【、】【2】【6】【日】【,】【中】【间】【价】【单】【日】【调】【升】【幅】【度】【分】【别】【达】【2】【7】【1】【基】【点】【、】【1】【3】【8】【基】【点】【、】【2】【6】【7】【基】【点】【,】【6】【个】【交】【易】【日】【累】【计】【上】【调】【7】【4】【6】【基】【点】【。】【 】【截】【至】【1】【2】【月】【2】【6】【日】【收】【盘】【,】【在】【岸】【人】【民】【币】【对】【美】【元】【收】【报】【6】【.】【5】【4】【4】【0】【元】【,】【其】【较】【2】【0】【1】【7】【年】【四】【季】【度】【初】【的】【开】【盘】【价】【6】【.】【6】【5】【5】【0】【上】【涨】【了】【1】【.】【6】【9】【%】【或】【1】【1】【1】【0】【基】【点】【,】【较】【2】【0】【1】【7】【年】【初】【的】【开】【盘】【价】【6】【.】【9】【5】【4】【0】【上】【涨】【了】【4】【1】【0】【0】【基】【点】【或】【6】【.】【2】【6】【%】【。】【 】【市】【场】【人】【士】【指】【出】【,】【考】【虑】【到】【年】【底】【外】【汇】【市】【场】【交】【投】【淡】【静】【、】【当】【前】【人】【民】【币】【市】【场】【预】【期】【平】【稳】【,】【即】【便】【后】【续】【人】【民】【币】【汇】【率】【难】【以】【继】【续】【大】【幅】【上】【涨】【,】【但】【明】【显】【下】【跌】【的】【概】【率】【更】【小】【,】【年】【底】【剩】【余】【3】【日】【更】【可】【能】【转】【向】【震】【荡】【,】【这】【也】【就】【意】【味】【着】【,】【2】【0】【1】【7】【年】【四】【季】【度】【人】【民】【币】【对】【美】【元】【汇】【率】【很】【可】【能】【收】【涨】【,】【打】【破】【过】【去】【三】【年】【 】【一】【到】【第】【四】【季】【度】【就】【跌】【 】【的】【 】【魔】【咒】【 】【。】【 】【内】【外】【条】【件】【因】【素】【有】【利】【 】【回】【顾】【这】【一】【轮】【人】【民】【币】【汇】【率】【反】【弹】【,】【既】【有】【外】【部】【环】【境】【的】【配】【合】【,】【也】【有】【内】【部】【因】【素】【的】【支】【撑】【,】【市】【场】【预】【期】【的】【调】【整】【也】【起】【到】【了】【推】【波】【助】【澜】【的】【作】【用】【。】【 】【1】【2】【月】【中】【旬】【以】【来】【,】【美】【联】【储】【加】【息】【及】【美】【国】【财】【税】【改】【革】【先】【后】【落】【地】【,】【但】【 】【利】【好】【落】【地】【反】【成】【利】【空】【 】【,】【美】【元】【指】【数】【不】【升】【反】【降】【为】【人】【民】【币】【汇】【率】【反】【弹】【提】【供】【了】【相】【对】【缓】【和】【的】【外】【部】【环】【境】【。】【从】【美】【元】【表】【现】【看】【,】【北】【京】【时】【间】【1】【2】【月】【1】【4】【日】【凌】【晨】【,】【美】【联】【储】【如】【期】【宣】【布】【加】【息】【2】【5】【个】【基】【点】【,】【但】【维】【持】【未】【来】【几】【年】【利】【率】【前】【景】【不】【变】【,】【决】【议】【公】【布】【后】【美】【元】【指】【数】【收】【盘】【大】【跌】【0】【.】【6】【8】【%】【,】【随】【后】【尽】【管】【有】【美】【国】【财】【税】【改】【革】【顺】【利】【推】【进】【的】【利】【好】【,】【但】【对】【美】【元】【提】【振】【作】【用】【有】【限】【,】【1】【8】【日】【至】【2】【1】【日】【,】【美】【元】【指】【数】【连】【续】【四】【日】【下】【行】【,】【累】【计】【跌】【0】【.】【7】【3】【%】【。】【应】【该】【说】【,】【近】【期】【美】【元】【指】【数】【明】【显】【下】【跌】【是】【人】【民】【币】【对】【美】【元】【汇】【率】【上】【涨】【的】【主】【要】【原】【因】【。】【 】【兴】【业】【研】【究】【点】【评】【称】【,】【近】【期】【人】【民】【币】【相】【对】【美】【元】【显】【著】【升】【值】【,】【突】【破】【3】【个】【月】【以】【来】【的】【盘】【整】【区】【间】【,】【主】【要】【原】【因】【是】【美】【国】【财】【税】【改】【革】【通】【过】【后】【美】【元】【兑】【人】【民】【币】【升】【值】【行】【情】【并】【未】【出】【现】【,】【市】【场】【预】【期】【扭】【转】【导】【致】【结】【汇】【盘】【集】【中】【涌】【现】【。】【 】【国】【内】【方】【面】【,】【中】【央】【经】【济】【工】【作】【会】【议】【重】【申】【 】【稳】【健】【的】【货】【币】【政】【策】【要】【保】【持】【中】【性】【 】【,】【并】【指】【出】【要】【 】【保】【持】【人】【民】【币】【汇】【率】【在】【合】【理】【均】【衡】【水】【平】【上】【的】【基】【本】【稳】【定】【 】【,】【 】【守】【住】【不】【发】【生】【系】【统】【性】【金】【融】【风】【险】【的】【底】【线】【 】【,】【结】【合】【美】【联】【储】【1】【2】【月】【加】【息】【后】【央】【行】【上】【调】【逆】【回】【购】【﹑】【M】【L】【F】【及】【S】【L】【F】【的】【操】【作】【利】【率】【各】【5】【个】【基】【点】【,】【有】【助】【于】【进】【一】【步】【稳】【定】【市】【场】【对】【人】【民】【币】【汇】【率】【的】【预】【期】【。】【 】【2】【0】【1】【7】【年】【中】【央】【经】【济】【工】【作】【会】【议】【提】【出】【 】【保】【持】【人】【民】【币】【汇】【率】【在】【合】【理】【均】【衡】【水】【平】【上】【的】【基】【本】【稳】【定】【 】【,】【这】【或】【意】【味】【着】【人】【民】【币】【升】【贬】【预】【期】【仍】【将】【保】【持】【均】【衡】【。】【 】【兴】【业】【研】【究】【指】【出】【。】【 】【另】【有】【市】【场】【人】【士】【称】【,】【近】【期】【人】【民】【币】【大】【涨】【的】【主】【要】【动】【力】【可】【能】【来】【自】【市】【场】【对】【美】【元】【失】【望】【情】【绪】【的】【积】【累】【,】【前】【期】【押】【注】【人】【民】【币】【贬】【值】【的】【投】【机】【者】【平】【仓】【助】【推】【了】【这】【种】【情】【绪】【在】【短】【期】【内】【的】【发】【酵】【,】【同】【时】【大】【行】【结】【汇】【明】【显】【增】【多】【引】【领】【了】【人】【民】【币】【上】【涨】【。】【此】【外】【,】【年】【底】【市】【场】【交】【投】【清】【淡】【,】【市】【场】【流】【动】【性】【不】【足】【可】【能】【也】【在】【一】【定】【程】【度】【上】【加】【剧】【了】【汇】【价】【波】【动】【。】【 】【2】【0】【1】【8】【年】【汇】【率】【料】【保】【持】【稳】【定】【 】【2】【0】【1】【7】【年】【仅】【剩】【下】【3】【个】【交】【易】【日】【,】【市】【场】【的】【关】【注】【点】【已】【转】【向】【2】【0】【1】【8】【年】【汇】【市】【表】【现】【。】【展】【望】【2】【0】【1】【8】【年】【,】【美】【元】【指】【数】【继】【续】【上】【行】【的】【动】【力】【和】【空】【间】【均】【有】【限】【,】【人】【民】【币】【汇】【率】【尽】【管】【面】【临】【一】【定】【压】【力】【,】【但】【仍】【有】【国】【内】【基】【本】【面】【的】【有】【力】【支】【撑】【,】【预】【计】【将】【保】【持】【总】【体】【稳】【定】【。】【 】【在】【中】【美】【金】【融】【周】【期】【异】【步】【的】【背】【景】【下】【,】【中】【国】【经】【济】【增】【长】【仍】【有】【下】【行】【压】【力】【,】【美】【国】【则】【得】【益】【于】【金】【融】【周】【期】【上】【行】【,】【经】【济】【增】【长】【可】【能】【会】【进】【一】【步】【的】【复】【苏】【,】【美】【元】【2】【0】【1】【8】【年】【仍】【然】【存】【在】【升】【值】【的】【可】【能】【。】【此】【外】【,】【美】【国】【在】【2】【0】【1】【7】【年】【底】【已】【经】【通】【过】【了】【财】【税】【改】【革】【计】【划】【,】【有】【可】【能】【进】【一】【步】【助】【力】【美】【元】【上】【涨】【,】【这】【有】【可】【能】【对】【人】【民】【币】【汇】【率】【产】【生】【压】【力】【。】【 】【光】【大】【证】【券】【指】【出】【,】【2】【0】【1】【8】【年】【美】【元】【存】【在】【上】【行】【风】【险】【,】【但】【预】【计】【上】【行】【空】【间】【未】【必】【很】【大】【,】【只】【要】【美】【元】【不】【出】【现】【超】【预】【期】【的】【走】【强】【,】【人】【民】【币】【汇】【率】【贬】【值】【风】【险】【可】【控】【,】【预】【计】【将】【呈】【现】【窄】【幅】【震】【荡】【走】【势】【。】【 】【总】【体】【来】【看】【,】【2】【0】【1】【8】【年】【美】【欧】【经】【济】【形】【势】【反】【转】【,】【美】【元】【指】【数】【有】【望】【在】【9】【3】【-】【1】【0】【0】【的】【范】【围】【内】【波】【动】【性】【上】【行】【,】【中】【美】【利】【差】【收】【窄】【,】【人】【民】【币】【汇】【率】【贬】【值】【幅】【度】【可】【控】【。】【 】【平】【安】【证】【券】【称】【。】【 】【招】【商】【证】【券】【则】【表】【示】【,】【欧】【美】【经】【济】【和】【货】【币】【政】【策】【的】【同】【方】【向】【、】【美】【国】【财】【税】【改】【革】【等】【将】【低】【于】【最】【初】【的】【预】【期】【,】【决】【定】【了】【美】【元】【指】【数】【无】【法】【再】【现】【曾】【经】【 】【气】【势】【如】【虹】【 】【的】【单】【边】【升】【值】【,】【也】【难】【以】【达】【到】【1】【0】【3】【的】【前】【期】【高】【点】【。】【预】【计】【2】【0】【1】【8】【年】【美】【元】【指】【数】【整】【体】【将】【在】【9】【0】【-】【1】【0】【0】【的】【区】【间】【内】【震】【荡】【。】【 】【一】【些】【机】【构】【相】【对】【乐】【观】【地】【认】【为】【,】【2】【0】【1】【8】【年】【人】【民】【币】【汇】【率】【偏】【向】【稳】【中】【升】【值】【。】【申】【万】【宏】【源】【证】【券】【表】【示】【,】【考】【虑】【到】【2】【0】【1】【8】【年】【美】【欧】【货】【币】【政】【策】【再】【分】【化】【及】【我】【国】【国】【际】【收】【支】【持】【续】【改】【善】【,】【预】【计】【人】【民】【币】【汇】【率】【将】【稳】【中】【小】【幅】【升】【值】【。】【 】【民】【生】【证】【券】【亦】【认】【为】【,】【2】【0】【1】【8】【年】【人】【民】【币】【汇】【率】【超】【涨】【可】【能】【性】【大】【于】【超】【贬】【。】【该】【机】【构】【表】【示】【,】【机】【制】【上】【来】【看】【,】【外】【盘】【依】【然】【是】【人】【民】【币】【汇】【率】【变】【动】【的】【最】【根】【本】【因】【素】【。】【外】【盘】【整】【体】【无】【忧】【,】【美】【元】【不】【强】【,】【其】【余】【货】【币】【不】【弱】【,】【全】【球】【主】【流】【货】【币】【重】【新】【定】【价】【,】【人】【民】【币】【将】【是】【一】【个】【跟】【随】【外】【盘】【双】【向】【波】【动】【加】【大】【的】【态】【势】【。】【内】【部】【基】【本】【面】【来】【看】【,】【2】【0】【1】【7】【年】【资】【本】【流】【动】【已】【有】【所】【改】【善】【,】【结】【售】【汇】【差】【额】【翻】【正】【,】【外】【汇】【占】【款】【、】【外】【汇】【储】【备】【回】【升】【,】【2】【0】【1】【8】【年】【整】【体】【资】【本】【流】【动】【偏】【均】【衡】【,】【资】【本】【管】【制】【或】【能】【见】【到】【放】【松】【迹】【象】【。】【且】【从】【中】【美】【利】【差】【角】【度】【来】【看】【,】【中】【美】【利】【差】【处】【于】【高】【位】【。】【 】【总】【的】【来】【说】【,】【在】【全】【球】【经】【济】【复】【苏】【、】【货】【币】【政】【策】【整】【体】【趋】【紧】【的】【大】【背】【景】【下】【,】【美】【联】【储】【加】【息】【+】【缩】【表】【仍】【将】【持】【续】【推】【进】【,】【若】【美】【国】【经】【济】【继】【续】【向】【好】【,】【美】【元】【仍】【存】【在】【升】【值】【的】【可】【能】【,】【由】【此】【对】【人】【民】【币】【汇】【率】【仍】【有】【一】【定】【压】【力】【,】【但】【欧】【元】【的】【相】【对】【强】【势】【或】【制】【约】【美】【元】【上】【行】【空】【间】【,】【而】【市】【场】【对】【我】【国】【2】【0】【1】【8】【年】【的】【经】【济】【预】【期】【更】【趋】【平】【稳】【,】【加】【之】【金】【融】【去】【杠】【杆】【、】【货】【币】【政】【策】【中】【性】【基】【调】【将】【延】【续】【,】【人】【民】【币】【汇】【率】【预】【计】【将】【保】【持】【总】【体】【稳】【定】【。】【 】【原】【标】【题】【:】【2】【0】【1】【7】【年】【人】【民】【币】【汇】【率】【升】【值】【超】【6】【%】【 】【打】【破】【连】【续】【3】【年】【贬】【值】【趋】【势】【 】【责】【任】【编】【辑】【:】【朱】【惠】【娥】【[】【标】【签】【:】【标】【题】【]】 【经】【济】【的】【全】【球】【化】【让】【北】【美】【、】【欧】【洲】【等】【发】【达】【国】【家】【劳】【动】【力】【,】【不】【得】【不】【跟】【亚】【洲】【及】【拉】【美】【国】【家】【的】【廉】【价】【劳】【动】【力】【抢】【工】【作】【,】【带】【来】【了】【更】【多】【失】【业】【。】【现】【在】【,】【机】【器】【人】【竟】【然】【也】【加】【入】【到】【这】【个】【行】【列】【了】【。】【那】【些】【靠】【着】【工】【资】【吃】【饭】【的】【人】【们】【害】【怕】【,】【一】【波】【由】【自】【动】【化】【带】【来】【的】【新】【失】【业】【潮】【将】【席】【卷】【全】【球】【。】【 】【这】【种】【弥】【漫】【全】【球】【的】【恐】【慌】【并】【非】【杞】【人】【忧】【天】【。】【 】【根】【据】【C】【N】【N】【报】【道】【,】【麦】【肯】【锡】【全】【球】【研】【究】【所】【提】【醒】【:】【到】【2】【0】【3】【0】【年】【,】【3】【.】【7】【5】【亿】【人】【将】【因】【为】【自】【动】【化】【失】【去】【工】【作】【,】【面】【临】【改】【换】【行】【业】【。】【根】【据】【《】【纽】【约】【时】【报】【》】【报】【道】【,】【牛】【津】【大】【学】【研】【究】【指】【出】【,】【未】【来】【2】【0】【年】【里】【,】【美】【国】【约】【5】【0】【%】【的】【工】【作】【岗】【位】【将】【被】【机】【器】【人】【或】【各】【种】【形】【式】【的】【自】【动】【化】【取】【代】【。】【 】【然】【而】【,】【在】【瑞】【典】【等】【北】【欧】【国】【家】【,】【自】【动】【化】【带】【来】【大】【规】【模】【失】【业】【的】【 】【恐】【怖】【故】【事】【 】【却】【没】【什】【么】【影】【响】【。】【根】【据】【欧】【盟】【委】【员】【会】【调】【查】【,】【当】【7】【2】【%】【的】【美】【国】【人】【都】【为】【被】【机】【器】【人】【和】【A】【I】【取】【代】【而】【感】【到】【忧】【虑】【时】【,】【高】【达】【8】【0】【%】【的】【瑞】【典】【人】【对】【此】【并】【不】【担】【心】【,】【态】【度】【非】【常】【积】【极】【正】【面】【。】【 】【到】【底】【是】【什】【么】【让】【他】【们】【如】【此】【气】【定】【神】【闲】【呢】【?】【 】【8】【0】【%】【的】【瑞】【典】【人】【表】【示】【不】【怕】【机】【器】【人】【和】【A】【I】【抢】【工】【作】【 】【不】【担】【心】【的】【背】【后】【 】【不】【保】【护】【工】【作】【岗】【位】【,】【但】【保】【护】【劳】【动】【力】【 】【 】【在】【斯】【德】【哥】【尔】【摩】【1】【7】【7】【公】【里】【外】【的】【B】【o】【l】【i】【d】【e】【n】【矿】【场】【,】【3】【5】【岁】【的】【米】【卡】【 】【佩】【尔】【松】【坐】【在】【地】【下】【8】【0】【0】【多】【米】【深】【的】【岩】【层】【上】【凿】【出】【的】【操】【作】【室】【里】【,】【已】【经】【看】【到】【机】【器】【人】【将】【取】【代】【他】【的】【工】【作】【。】【 】【他】【知】【道】【机】【器】【人】【在】【一】【天】【天】【 】【进】【化】【 】【,】【他】【也】【知】【道】【矿】【场】【在】【测】【试】【用】【无】【人】【驾】【驶】【车】【取】【代】【卡】【车】【司】【机】【。】【 】【但】【他】【一】【点】【都】【不】【担】【心】【。】【 】【年】【薪】【6】【万】【美】【元】【,】【每】【年】【5】【周】【假】【期】【;】【根】【据】【瑞】【典】【法】【律】【,】【当】【家】【里】【有】【新】【生】【儿】【的】【时】【候】【,】【夫】【妻】【俩】【还】【可】【以】【分】【摊】【长】【达】【4】【8】【0】【天】【的】【产】【假】【 】【机】【器】【人】【不】【会】【改】【变】【任】【何】【一】【点】【,】【佩】【尔】【松】【说】【。】【他】【对】【瑞】【典】【的】【经】【济】【模】【式】【和】【失】【业】【保】【障】【制】【度】【有】【十】【足】【信】【心】【。】【 】【总】【需】【要】【人】【来】【让】【机】【器】【保】【持】【运】【转】【。】【 】【佩】【尔】【松】【说】【,】【 】【这】【个】【矿】【场】【有】【那】【么】【多】【工】【作】【。】【就】【算】【这】【个】【岗】【位】【没】【有】【了】【,】【还】【会】【有】【新】【的】【。】【公】【司】【会】【照】【顾】【好】【我】【们】【。】【 】【 】【瑞】【典】【B】【o】【l】【i】【d】【e】【n】【矿】【场】【,】【一】【个】【正】【在】【电】【脑】【前】【作】【业】【的】【远】【程】【操】【作】【工】【 】【图】【据】【纽】【约】【时】【报】【 】【这】【是】【瑞】【典】【人】【的】【思】【维】【。】【 】【佩】【尔】【松】【的】【同】【事】【埃】【里】【克】【 】【朗】【德】【斯】【德】【姆】【说】【:】【 】【你】【为】【公】【司】【做】【了】【贡】【献】【,】【公】【司】【也】【会】【报】【以】【福】【利】【。】【 】【 】【北】【欧】【国】【家】【政】【府】【支】【持】【充】【分】【,】【工】【会】【强】【大】【,】【雇】【主】【和】【雇】【员】【之】【间】【信】【任】【度】【深】【厚】【。】【在】【这】【里】【,】【机】【器】【人】【不】【过】【是】【又】【一】【种】【让】【公】【司】【提】【高】【效】【率】【的】【方】【式】【。】【当】【老】【板】【获】【益】【丰】【厚】【的】【时】【候】【,】【工】【人】【也】【会】【分】【到】【相】【应】【的】【一】【杯】【羹】【 】【在】【英】【美】【国】【家】【,】【当】【公】【司】【利】【润】【暴】【增】【的】【时】【候】【,】【工】【人】【工】【资】【仍】【停】【滞】【不】【前】【。】【 】【在】【瑞】【典】【,】【如】【果】【你】【问】【一】【个】【工】【会】【领】【导】【,】【怕】【不】【怕】【新】【科】【技】【。】【他】【们】【会】【说】【,】【 】【不】【,】【我】【怕】【老】【旧】【技】【术】【。】【 】【瑞】【典】【就】【业】【部】【部】【长】【伊】【娃】【 】【约】【翰】【逊】【(】【Y】【l】【v】【a】【 】【J】【o】【h】【a】【n】【s】【s】【o】【n】【)】【称】【,】【 】【岗】【位】【会】【消】【失】【,】【但】【我】【们】【会】【培】【训】【失】【业】【人】【员】【,】【让】【他】【们】【有】【能】【力】【做】【新】【岗】【位】【的】【工】【作】【。】【我】【们】【不】【保】【护】【工】【作】【岗】【位】【,】【我】【们】【保】【护】【劳】【动】【力】【!】【 】【 】【雇】【主】【乐】【于】【引】【进】【新】【技】【术】【 】【带】【来】【效】【率】【和】【利】【润】【的】【提】【升】【 】【瑞】【典】【、】【丹】【麦】【和】【芬】【兰】【把】【经】【济】【总】【量】【的】【2】【7】【%】【都】【花】【在】【政】【府】【服】【务】【上】【,】【帮】【助】【失】【业】【人】【群】【和】【其】【他】【弱】【势】【群】【体】【,】【而】【美】【国】【只】【有】【2】【0】【%】【。】【大】【多】【数】【美】【国】【人】【都】【依】【靠】【雇】【主】【获】【得】【医】【保】【。】【于】【是】【,】【失】【去】【工】【作】【将】【引】【发】【灾】【难】【性】【后】【果】【。】【而】【人】【们】【也】【因】【此】【不】【愿】【为】【了】【更】【有】【诱】【惑】【力】【的】【事】【业】【而】【失】【去】【稳】【定】【的】【工】【作】【。】【这】【也】【使】【得】【工】【会】【更】【倾】【向】【于】【保】【护】【工】【作】【岗】【位】【。】【 】【在】【瑞】【典】【等】【北】【欧】【国】【家】【,】【政】【府】【提】【供】【免】【费】【教】【育】【和】【医】【疗】【。】【当】【人】【们】【参】【加】【工】【作】【培】【训】【时】【,】【政】【府】【还】【会】【承】【担】【相】【当】【的】【失】【业】【保】【障】【。】【这】【些】【社】【会】【保】【障】【制】【度】【产】【生】【的】【关】【键】【性】【红】【利】【就】【是】【:】【工】【会】【把】【科】【技】【的】【革】【新】【,】【各】【种】【环】【节】【的】【自】【动】【化】【看】【做】【是】【保】【障】【竞】【争】【优】【势】【的】【一】【种】【必】【须】【途】【径】【;】【各】【行】【各】【业】【雇】【主】【非】【常】【乐】【于】【引】【进】【新】【技】【术】【。】【 】【而】【技】【术】【革】【新】【在】【采】【矿】【行】【业】【 】【瑞】【典】【的】【支】【柱】【性】【产】【业】【之】【一】【,】【尤】【其】【关】【键】【。】【矿】【产】【价】【格】【由】【全】【球】【市】【场】【定】【,】【而】【B】【o】【l】【i】【d】【e】【n】【公】【司】【的】【矿】【是】【世】【界】【上】【含】【矿】【量】【最】【低】【的】【之】【一】【,】【价】【格】【既】【定】【的】【情】【况】【下】【,】【单】【位】【成】【本】【增】【加】【。】【此】【外】【,】【瑞】【典】【工】【人】【的】【工】【资】【是】【由】【工】【会】【和】【雇】【主】【协】【会】【谈】【判】【签】【订】【,】【待】【遇】【高】【福】【利】【好】【,】【雇】【主】【成】【本】【又】【相】【应】【增】【加】【。】【有】【太】【多】【因】【素】【压】【缩】【其】【利】【润】【空】【间】【,】【使】【其】【竞】【争】【力】【低】【,】【公】【司】【保】【证】【利】【润】【的】【唯】【一】【方】【式】【就】【是】【不】【断】【提】【高】【效】【率】【。】【而】【这】【也】【是】【为】【什】【么】【佩】【尔】【松】【和】【他】【的】【同】【事】【们】【很】【快】【将】【同】【时】【操】【作】【四】【台】【装】【货】【设】【备】【,】【公】【司】【还】【在】【测】【试】【各】【种】【提】【高】【效】【率】【的】【新】【技】【术】【设】【备】【。】【 】【过】【去】【3】【0】【年】【里】【,】【B】【o】【l】【i】【d】【e】【n】【的】【生】【产】【量】【从】【3】【5】【万】【吨】【提】【高】【到】【6】【0】【万】【吨】【,】【而】【工】【人】【数】【量】【一】【直】【保】【持】【在】【2】【0】【0】【人】【左】【右】【。】【 】【要】【不】【是】【我】【们】【采】【用】【新】【科】【技】【,】【而】【且】【因】【此】【获】【利】【,】【我】【们】【早】【就】【倒】【闭】【了】【。】【 】【B】【o】【l】【i】【d】【e】【n】【两】【个】【矿】【场】【的】【工】【会】【副】【主】【席】【马】【格】【努】【斯】【 】【韦】【斯】【特】【朗】【德】【称】【。】【 】【现】【实】【的】【证】【明】【 】【机】【器】【人】【和】【人】【类】【工】【作】【或】【许】【并】【不】【冲】【突】【 】【上】【世】【纪】【6】【0】【年】【代】【,】【当】【自】【动】【取】【款】【机】【首】【次】【出】【现】【的】【时】【候】【,】【一】【些】【人】【就】【称】【,】【银】【行】【里】【的】【人】【类】【工】【作】【岗】【位】【将】【消】【失】【。】【然】【而】【,】【几】【十】【年】【过】【去】【了】【,】【银】【行】【工】【作】【岗】【位】【不】【但】【没】【有】【消】【失】【反】【而】【增】【加】【了】【。】【银】【行】【从】【储】【蓄】【业】【务】【扩】【展】【到】【了】【贷】【款】【、】【保】【险】【等】【新】【业】【务】【领】【域】【。】【 】【这】【样】【的】【事】【情】【或】【许】【将】【再】【次】【上】【演】【。】【 】【三】【年】【前】【,】【苏】【林】【 】【卡】【尔】【森】【从】【一】【家】【瑞】【典】【报】【纸】【辞】【职】【,】【开】【了】【自】【己】【的】【新】【公】【司】【 】【U】【n】【i】【t】【e】【d】【 】【R】【o】【b】【o】【t】【s】【。】【新】【公】【司】【看】【起】【来】【就】【像】【是】【专】【为】【了】【抢】【前】【同】【事】【们】【的】【饭】【碗】【:】【他】【研】【发】【了】【一】【个】【名】【为】【R】【o】【s】【a】【l】【i】【n】【d】【a】【的】【机】【器】【人】【,】【扫】【描】【体】【育】【赛】【事】【数】【据】【,】【 】【写】【 】【新】【闻】【。】【 】【这】【些】【新】【闻】【没】【有】【人】【类】【写】【的】【生】【动】【。】【 】【卡】【尔】【森】【称】【,】【但】【新】【闻】【机】【器】【人】【不】【需】【要】【午】【休】【。】【他】【预】【估】【,】【R】【o】【s】【a】【l】【i】【n】【d】【a】【今】【年】【将】【为】【各】【种】【媒】【体】【完】【成】【多】【达】【1】【0】【万】【篇】【新】【闻】【报】【道】【,】【为】【公】【司】【带】【来】【5】【9】【万】【美】【元】【收】【入】【。】【 】【而】【瑞】【典】【的】【记】【者】【工】【会】【,】【没】【人】【为】【此】【而】【忧】【虑】【:】【R】【o】【s】【a】【l】【i】【n】【d】【a】【做】【的】【大】【多】【数】【报】【道】【是】【以】【前】【根】【本】【就】【没】【有】【人】【类】【做】【的】【选】【题】【。】【 】【我】【们】【一】【直】【都】【在】【拥】【抱】【新】【科】【技】【。】【 】【工】【会】【主】【席】【乔】【纳】【斯】【 】【诺】【丁】【称】【:】【 】【我】【们】【不】【能】【只】【是】【对】【着】【那】【些】【已】【经】【在】【发】【生】【的】【事】【情】【悲】【鸣】【。】【 】【 】【雇】【主】【资】【助】【再】【就】【业】【 】【三】【分】【之】【二】【获】【得】【同】【样】【甚】【至】【更】【好】【待】【遇】【的】【新】【工】【作】【 】【就】【算】【机】【器】【人】【出】【现】【后】【,】【人】【们】【创】【造】【出】【更】【多】【的】【新】【岗】【位】【,】【大】【量】【劳】【动】【力】【还】【是】【面】【临】【了】【转】【换】【职】【业】【的】【境】【况】【。】【瑞】【典】【等】【北】【欧】【国】【家】【在】【处】【理】【这】【种】【转】【换】【上】【已】【经】【取】【得】【了】【成】【功】【:】【由】【雇】【主】【出】【资】【的】【工】【作】【保】【障】【局】【负】【责】【帮】【失】【业】【人】【员】【找】【到】【新】【工】【作】【。】【 】【斯】【德】【哥】【尔】【摩】【一】【家】【名】【为】【T】【R】【R】【 】【T】【r】【y】【g】【g】【h】【e】【t】【s】【r】【a】【d】【e】【t】【的】【工】【作】【保】【障】【局】【称】【,】【今】【年】【8】【3】【%】【的】【失】【业】【人】【员】【都】【找】【到】【了】【新】【工】【作】【。】【而】【且】【,】【其】【中】【三】【分】【之】【二】【都】【找】【到】【了】【跟】【以】【前】【薪】【资】【水】【平】【一】【样】【甚】【至】【更】【高】【的】【工】【作】【。】【 】【不】【过】【,】【维】【持】【瑞】【典】【的】【社】【会】【保】【障】【制】【度】【提】【供】【的】【安】【全】【网】【,】【意】【味】【着】【民】【众】【面】【临】【高】【达】【6】【0】【%】【的】【税】【率】【。】【当】【税】【收】【因】【大】【量】【难】【以】【就】【业】【的】【新】【移】【民】【而】【不】【能】【保】【障】【的】【时】【候】【,】【 】【社】【会】【体】【系】【有】【裂】【缝】【的】【风】【险】【。】【 】【工】【业】【经】【济】【研】【究】【院】【经】【济】【学】【家】【马】【丁】【 】【布】【里】【克】【斯】【称】【。】【 】【目】【前】【来】【说】【,】【社】【会】【体】【系】【还】【比】【较】【稳】【定】【,】【在】【B】【o】【l】【i】【d】【e】【n】【这】【样】【的】【矿】【场】【,】【平】【和】【的】【心】【态】【占】【了】【绝】【对】【优】【势】【。】【 】【对】【我】【们】【来】【说】【,】【自】【动】【化】【是】【一】【件】【好】【事】【。】【 】【当】【地】【技】【工】【工】【会】【代】【表】【弗】【雷】【德】【里】【克】【 】【赫】【斯】【称】【:】【 】【没】【人】【觉】【得】【机】【器】【人】【和】【A】【I】【在】【抢】【走】【人】【类】【的】【工】【作】【,】【而】【是】【我】【们】【人】【类】【可】【以】【(】【使】【用】【这】【些】【机】【器】【人】【或】【A】【I】【)】【做】【得】【更】【多】【了】【。】【 】【(】【红】【星】【新】【闻】【记】【者】【林】【容】【 】【编】【译】【)】【 】【原】【标】【题】【:】【3】【.】【7】【5】【亿】【人】【将】【被】【抢】【走】【饭】【碗】【?】【为】【何】【偏】【偏】【这】【个】【国】【家】【的】【人】【毫】【不】【担】【心】【 】【责】【任】【编】【辑】【:】【朱】【惠】【娥】【[】【标】【签】【:】【标】【题】【]】 【2】【0】【1】【7】【年】【最】【后】【一】【个】【晚】【上】【,】【位】【于】【上】【海】【的】【某】【大】【型】【投】【行】【办】【公】【室】【内】【仍】【旧】【亮】【着】【灯】【。】【一】【位】【不】【愿】【意】【透】【露】【姓】【名】【的】【知】【名】【投】【行】【人】【士】【表】【示】【,】【一】【年】【以】【来】【,】【每】【天】【晚】【上】【加】【班】【到】【1】【0】【点】【已】【习】【以】【为】【常】【。】【 】【2】【0】【1】【7】【年】【,】【A】【股】【发】【行】【速】【度】【加】【快】【,】【各】【家】【券】【商】【的】【储】【备】【项】【目】【也】【得】【到】【了】【快】【速】【的】【消】【耗】【。】【 】【A】【股】【市】【场】【新】【股】【上】【市】【数】【量】【在】【2】【0】【1】【7】【年】【首】【次】【突】【破】【4】【0】【0】【宗】【。】【W】【i】【n】【d】【数】【据】【显】【示】【,】【截】【至】【2】【0】【1】【7】【年】【1】【2】【月】【3】【1】【日】【,】【已】【有】【4】【3】【8】【只】【新】【股】【发】【行】【上】【市】【,】【累】【计】【融】【资】【2】【3】【0】【1】【.】【0】【9】【亿】【元】【,】【相】【较】【2】【0】【1】【6】【年】【2】【2】【7】【只】【新】【股】【融】【资】【1】【4】【9】【6】【.】【0】【8】【亿】【元】【,】【上】【市】【数】【量】【和】【融】【资】【总】【额】【分】【别】【增】【长】【9】【2】【.】【9】【5】【%】【、】【5】【3】【.】【8】【1】【%】【。】【 】【证】【监】【会】【主】【席】【助】【理】【宣】【昌】【能】【表】【示】【,】【2】【0】【1】【7】【年】【,】【I】【P】【O】【企】【业】【从】【申】【请】【受】【理】【到】【完】【成】【上】【市】【,】【平】【均】【审】【核】【周】【期】【为】【1】【年】【3】【个】【月】【左】【右】【,】【之】【前】【的】【审】【核】【周】【期】【则】【在】【3】【年】【以】【上】【。】【 】【然】【而】【与】【新】【股】【数】【量】【创】【新】【高】【对】【应】【的】【则】【是】【较】【低】【的】【过】【会】【率】【。】【W】【i】【n】【d】【数】【据】【显】【示】【,】【2】【0】【1】【7】【年】【发】【审】【委】【共】【审】【核】【了】【4】【7】【9】【家】【公】【司】【的】【首】【发】【申】【请】【,】【其】【中】【3】【8】【0】【家】【过】【会】【,】【过】【会】【率】【7】【9】【.】【3】【3】【%】【。】【这】【也】【是】【自】【2】【0】【1】【4】【年】【I】【P】【O】【重】【启】【以】【来】【过】【会】【率】【最】【低】【的】【一】【年】【。】【 】【国】【内】【知】【名】【财】【经】【评】【论】【员】【皮】【海】【洲】【认】【为】【,】【对】【I】【P】【O】【上】【会】【公】【司】【从】【严】【把】【关】【有】【利】【于】【将】【垃】【圾】【公】【司】【与】【问】【题】【公】【司】【挡】【在】【股】【市】【的】【大】【门】【之】【外】【,】【减】【少】【I】【P】【O】【公】【司】【 】【带】【病】【上】【市】【 】【。】【 】【新】【股】【上】【市】【数】【量】【首】【次】【突】【破】【4】【0】【0】【宗】【 】【根】【据】【W】【i】【n】【d】【数】【据】【,】【截】【至】【2】【0】【1】【7】【年】【1】【2】【月】【3】【1】【日】【,】【已】【有】【4】【3】【8】【只】【新】【股】【发】【行】【上】【市】【,】【累】【计】【融】【资】【2】【3】【0】【1】【.】【0】【9】【亿】【元】【,】【相】【较】【2】【0】【1】【6】【年】【2】【2】【7】【只】【新】【股】【融】【资】【1】【4】【9】【6】【.】【0】【8】【亿】【元】【,】【上】【市】【数】【量】【和】【融】【资】【总】【额】【分】【别】【增】【长】【9】【2】【.】【9】【5】【%】【、】【5】【3】【.】【8】【1】【%】【。】【 】【2】【0】【1】【7】【年】【A】【股】【市】【场】【新】【股】【上】【市】【数】【量】【首】【次】【突】【破】【4】【0】【0】【宗】【,】【超】【过】【2】【0】【1】【0】【年】【3】【4】【7】【宗】【历】【史】【高】【点】【;】【但】【主】【要】【为】【1】【0】【亿】【元】【以】【下】【的】【中】【小】【型】【企】【业】【,】【因】【此】【筹】【资】【额】【仅】【是】【2】【0】【1】【0】【年】【的】【4】【7】【%】【。】【 】【事】【实】【上】【,】【自】【2】【0】【1】【6】【年】【实】【施】【I】【P】【O】【新】【规】【以】【来】【,】【A】【股】【市】【场】【I】【P】【O】【发】【行】【节】【奏】【就】【有】【了】【持】【续】【加】【快】【的】【迹】【象】【。】【与】【此】【同】【时】【,】【自】【2】【0】【1】【6】【年】【1】【1】【月】【份】【之】【后】【,】【A】【股】【I】【P】【O】【更】【是】【实】【现】【了】【一】【周】【一】【批】【次】【的】【发】【行】【速】【度】【,】【并】【延】【续】【至】【今】【。】【有】【业】【内】【人】【士】【认】【为】【,】【对】【于】【当】【前】【一】【周】【一】【批】【次】【的】【I】【P】【O】【发】【行】【节】【奏】【,】【已】【经】【逐】【渐】【成】【为】【当】【下】【的】【常】【态】【化】【现】【象】【,】【料】【若】【无】【重】【要】【性】【的】【变】【化】【,】【则】【这】【一】【常】【态】【化】【现】【象】【仍】【将】【延】【续】【。】【 】【证】【监】【会】【曾】【称】【,】【支】【持】【符】【合】【条】【件】【的】【企】【业】【发】【行】【上】【市】【,】【适】【当】【加】【快】【新】【股】【发】【行】【节】【奏】【,】【不】【断】【健】【全】【新】【股】【发】【行】【常】【态】【化】【机】【制】【,】【着】【力】【化】【解】【存】【量】【。】【 】【根】【据】【证】【监】【会】【主】【席】【助】【理】【宣】【昌】【能】【2】【0】【1】【7】【年】【1】【2】【月】【4】【日】【公】【布】【的】【数】【据】【,】【I】【P】【O】【在】【审】【企】【业】【数】【量】【已】【由】【历】【史】【最】【高】【点】【的】【2】【0】【1】【6】【年】【6】【月】【底】【8】【9】【5】【家】【,】【下】【降】【到】【当】【前】【5】【0】【0】【家】【左】【右】【的】【水】【平】【,】【其】【中】【大】【多】【数】【(】【约】【3】【0】【0】【多】【家】【)】【为】【2】【0】【1】【7】【年】【新】【受】【理】【企】【业】【。】【预】【计】【到】【2】【0】【1】【7】【年】【底】【,】【I】【P】【O】【在】【审】【企】【业】【将】【主】【要】【为】【2】【0】【1】【7】【年】【新】【受】【理】【企】【业】【,】【存】【量】【企】【业】【的】【排】【队】【时】【间】【结】【构】【相】【比】【以】【前】【大】【为】【改】【善】【。】【审】【核】【周】【期】【大】【幅】【缩】【短】【,】【市】【场】【预】【期】【较】【以】【前】【更】【加】【明】【确】【。】【宣】【昌】【能】【表】【示】【,】【2】【0】【1】【7】【年】【,】【I】【P】【O】【企】【业】【从】【申】【请】【受】【理】【到】【完】【成】【上】【市】【,】【平】【均】【审】【核】【周】【期】【为】【1】【年】【3】【个】【月】【左】【右】【,】【之】【前】【的】【审】【核】【周】【期】【则】【在】【3】【年】【以】【上】【。】【 】【从】【行】【业】【划】【分】【看】【,】【工】【业】【企】【业】【以】【1】【3】【7】【宗】【I】【P】【O】【和】【筹】【资】【额】【6】【3】【9】【亿】【元】【人】【民】【币】【继】【续】【保】【持】【第】【一】【,】【其】【次】【是】【科】【技】【、】【传】【媒】【和】【电】【信】【业】【、】【零】【售】【和】【消】【费】【品】【业】【、】【材】【料】【业】【及】【健】【康】【业】【。】【其】【中】【,】【零】【售】【和】【消】【费】【品】【I】【P】【O】【宗】【数】【和】【筹】【资】【额】【较】【去】【年】【分】【别】【增】【1】【3】【5】【%】【和】【1】【2】【6】【%】【,】【而】【金】【融】【业】【I】【P】【O】【宗】【数】【和】【筹】【资】【额】【则】【双】【双】【跌】【出】【前】【五】【位】【。】【 】【从】【区】【域】【来】【看】【,】【广】【东】【浙】【江】【企】【业】【领】【跑】【新】【股】【发】【行】【。】【按】【宗】【数】【计】【,】【广】【东】【、】【浙】【江】【、】【江】【苏】【、】【上】【海】【、】【福】【建】【位】【列】【前】【五】【,】【占】【I】【P】【O】【总】【数】【7】【1】【%】【;】【按】【筹】【资】【额】【计】【,】【广】【东】【、】【浙】【江】【、】【江】【苏】【、】【上】【海】【、】【山】【东】【排】【名】【前】【五】【,】【占】【总】【筹】【资】【额】【7】【2】【%】【。】【 】【证】【监】【会】【2】【0】【1】【7】【年】【1】【2】【月】【2】【9】【日】【晚】【间】【消】【息】【称】【,】【将】【在】【推】【进】【新】【股】【发】【行】【常】【态】【化】【的】【同】【时】【,】【继】【续】【优】【先】【支】【持】【符】【合】【条】【件】【准】【不】【降】【低】【、】【审】【核】【环】【节】【不】【减】【少】【、】【审】【核】【程】【序】【不】【压】【缩】【,】【保】【证】【东】【北】【地】【区】【上】【市】【企】【业】【的】【质】【量】【;】【又】【对】【东】【北】【地】【区】【企】【业】【在】【审】【核】【进】【度】【方】【面】【给】【予】【优】【先】【支】【持】【,】【在】【同】【等】【条】【件】【下】【优】【先】【安】【排】【进】【入】【下】【一】【步】【审】【核】【程】【序】【,】【推】【动】【东】【北】【地】【区】【企】【业】【及】【早】【发】【行】【上】【市】【的】【东】【北】【地】【区】【企】【业】【I】【P】【O】【,】【在】【受】【理】【企】【业】【申】【请】【后】【。】【 】【3】【成】【券】【商】【保】【荐】【过】【会】【率】【不】【足】【8】【0】【%】【 】【I】【P】【O】【常】【态】【化】【直】【接】【受】【益】【的】【是】【保】【荐】【机】【构】【。】【多】【名】【分】【析】【师】【认】【为】【,】【这】【有】【利】【于】【券】【商】【业】【绩】【的】【提】【升】【。】【 】【W】【i】【n】【d】【数】【据】【显】【示】【,】【2】【0】【1】【7】【年】【以】【来】【,】【6】【0】【家】【券】【商】【共】【计】【承】【揽】【4】【2】【0】【个】【I】【P】【O】【项】【目】【,】【共】【计】【获】【得】【承】【销】【收】【入】【1】【4】【9】【.】【8】【2】【亿】【元】【。】【其】【中】【,】【有】【3】【3】【家】【券】【商】【I】【P】【O】【承】【销】【收】【入】【超】【过】【1】【亿】【元】【。】【 】【广】【发】【证】【券】【2】【0】【1】【7】【年】【共】【承】【揽】【3】【2】【个】【I】【P】【O】【项】【目】【,】【并】【以】【1】【2】【.】【4】【7】【亿】【元】【的】【收】【入】【位】【列】【第】【一】【;】【随】【后】【是】【中】【信】【证】【券】【,】【承】【揽】【了】【3】【0】【个】【项】【目】【,】【收】【入】【1】【2】【.】【4】【亿】【元】【;】【国】【金】【证】【券】【承】【揽】【了】【2】【2】【个】【项】【目】【,】【收】【入】【9】【.】【7】【6】【亿】【元】【。】【 】【海】【通】【证】【券】【和】【国】【信】【证】【券】【的】【收】【入】【也】【在】【9】【亿】【元】【以】【上】【,】【分】【别】【承】【揽】【了】【2】【8】【个】【和】【2】【6】【个】【项】【目】【。】【I】【P】【O】【承】【销】【收】【入】【前】【十】【的】【还】【有】【中】【信】【建】【投】【证】【券】【、】【招】【商】【证】【券】【、】【安】【信】【证】【券】【、】【国】【泰】【君】【安】【证】【券】【和】【华】【泰】【联】【合】【证】【券】【。】【 】【但】【与】【此】【同】【时】【,】【审】【核】【紧】【箍】【咒】【的】【收】【紧】【,】【现】【场】【检】【查】【次】【数】【的】【增】【加】【,】【亦】【让】【券】【商】【投】【行】【加】【强】【风】【控】【管】【理】【。】【合】【规】【与】【风】【控】【在】【投】【行】【内】【部】【被】【提】【上】【更】【高】【的】【位】【置】【。】【 】【事】【实】【上】【,】【尽】【管】【2】【0】【1】【7】【年】【新】【股】【数】【量】【上】【创】【了】【新】【高】【,】【但】【从】【过】【会】【率】【来】【看】【,】【却】【并】【不】【高】【。】【 】【W】【i】【n】【d】【数】【据】【显】【示】【,】【2】【0】【1】【7】【年】【发】【审】【委】【共】【审】【核】【了】【4】【7】【9】【家】【公】【司】【的】【首】【发】【申】【请】【,】【其】【中】【3】【8】【0】【家】【过】【会】【,】【过】【会】【率】【7】【9】【.】【3】【3】【%】【;】【8】【6】【家】【未】【通】【过】【审】【核】【,】【占】【审】【核】【总】【量】【的】【1】【7】【.】【9】【5】【%】【,】【其】【余】【1】【3】【家】【为】【暂】【缓】【表】【决】【、】【取】【消】【审】【核】【等】【情】【形】【。】【 】【这】【也】【是】【自】【2】【0】【1】【4】【年】【I】【P】【O】【重】【启】【以】【来】【过】【会】【率】【最】【低】【的】【一】【年】【。】【数】【据】【显】【示】【,】【2】【0】【1】【6】【年】【证】【监】【会】【共】【审】【核】【了】【2】【7】【1】【家】【企】【业】【I】【P】【O】【申】【请】【,】【仅】【有】【1】【8】【家】【企】【业】【遭】【否】【,】【过】【会】【率】【为】【9】【1】【.】【1】【4】【%】【,】【2】【0】【1】【4】【年】【和】【2】【0】【1】【5】【年】【的】【过】【会】【率】【也】【分】【别】【达】【到】【了】【8】【9】【.】【3】【4】【%】【和】【9】【2】【.】【2】【8】【%】【。】【 】【根】【据】【W】【i】【n】【d】【数】【据】【统】【计】【,】【从】【券】【商】【保】【荐】【的】【I】【P】【O】【企】【业】【过】【会】【数】【量】【来】【看】【,】【广】【发】【证】【券】【、】【中】【信】【证】【券】【、】【国】【信】【证】【券】【三】【家】【券】【商】【保】【荐】【企】【业】【过】【会】【数】【量】【超】【3】【0】【家】【。】【 】【从】【过】【会】【率】【来】【看】【,】【在】【保】【荐】【过】【会】【企】【业】【超】【2】【0】【家】【的】【券】【商】【中】【,】【有】【国】【泰】【君】【安】【、】【中】【信】【建】【投】【、】【华】【泰】【联】【合】【、】【国】【信】【证】【券】【四】【家】【券】【商】【的】【过】【会】【率】【超】【9】【0】【%】【,】【另】【外】【,】【国】【金】【证】【券】【的】【过】【会】【率】【较】【低】【,】【仅】【为】【7】【1】【.】【8】【8】【%】【。】【 】【W】【i】【n】【d】【数】【据】【显】【示】【,】【有】【2】【4】【家】【券】【商】【的】【保】【荐】【过】【会】【率】【低】【于】【8】【0】【%】【,】【占】【比】【达】【3】【成】【。】【 】【监】【管】【层】【发】【力】【I】【P】【O】【审】【核】【趋】【严】【 】【2】【0】【1】【7】【年】【,】【监】【管】【层】【也】【不】【断】【发】【力】【,】【对】【多】【项】【制】【度】【的】【修】【订】【,】【旨】【在】【治】【理】【行】【业】【乱】【象】【,】【重】【塑】【行】【业】【规】【范】【生】【态】【,】【将】【合】【规】【意】【识】【贯】【彻】【到】【券】【商】【经】【营】【管】【理】【的】【方】【方】【面】【面】【,】【贯】【穿】【决】【策】【、】【执】【行】【、】【监】【督】【、】【反】【馈】【等】【各】【个】【环】【节】【。】【 】【自】【2】【0】【1】【7】【年】【1】【0】【月】【新】【一】【届】【发】【审】【委】【成】【立】【以】【来】【,】【I】【P】【O】【审】【核】【也】【开】【始】【呈】【现】【出】【越】【来】【越】【严】【的】【趋】【势】【。】【W】【i】【n】【d】【数】【据】【显】【示】【,】【截】【至】【2】【0】【1】【7】【年】【1】【2】【月】【3】【1】【日】【,】【新】【一】【届】【发】【审】【委】【已】【审】【核】【8】【9】【家】【企】【业】【的】【首】【发】【申】【请】【,】【其】【中】【,】【5】【2】【家】【获】【得】【通】【过】【,】【通】【过】【率】【为】【5】【8】【.】【4】【3】【%】【。】【而】【2】【0】【1】【7】【年】【前】【1】【0】【个】【月】【I】【P】【O】【审】【核】【的】【通】【过】【率】【为】【8】【0】【%】【。】【 】【2】【0】【1】【7】【年】【7】【月】【7】【日】【,】【证】【监】【会】【修】【订】【并】【发】【布】【《】【发】【行】【审】【核】【委】【员】【会】【办】【法】【》】【,】【主】【要】【涉】【及】【包】【括】【将】【主】【板】【发】【审】【委】【和】【创】【业】【板】【发】【审】【委】【合】【并】【、】【增】【加】【委】【员】【总】【数】【、】【减】【少】【委】【员】【任】【职】【期】【限】【等】【十】【个】【方】【面】【的】【内】【容】【。】【 】【根】【据】【证】【监】【会】【公】【告】【,】【第】【十】【七】【届】【发】【审】【委】【委】【员】【共】【计】【6】【3】【人】【。】【这】【一】【数】【量】【,】【比】【此】【前】【公】【示】【的】【时】【候】【少】【了】【3】【人】【,】【并】【且】【均】【为】【专】【职】【委】【员】【的】【候】【选】【人】【。】【 】【另】【外】【,】【在】【发】【审】【委】【委】【员】【遴】【选】【过】【程】【中】【,】【外】【部】【委】【员】【从】【最】【初】【的】【8】【0】【名】【候】【选】【人】【,】【到】【最】【终】【仅】【有】【2】【2】【人】【正】【式】【获】【聘】【,】【淘】【汰】【率】【高】【达】【七】【成】【,】【凸】【显】【了】【证】【监】【会】【严】【把】【发】【审】【委】【委】【员】【选】【聘】【关】【的】【态】【度】【。】【 】【在】【新】【一】【届】【的】【发】【审】【委】【委】【员】【阵】【容】【方】【面】【,】【专】【职】【委】【员】【大】【幅】【增】【加】【,】【达】【到】【4】【2】【人】【,】【且】【多】【数】【来】【自】【监】【管】【层】【;】【兼】【职】【委】【员】【2】【1】【人】【。】【业】【界】【认】【为】【,】【专】【职】【委】【员】【数】【量】【的】【大】【幅】【增】【加】【,】【体】【现】【了】【监】【管】【部】【门】【对】【I】【P】【O】【审】【核】【从】【严】【的】【态】【度】【。】【 】【国】【内】【知】【名】【财】【经】【评】【论】【员】【皮】【海】【洲】【认】【为】【,】【发】【审】【委】【委】【员】【们】【在】【审】【核】【的】【过】【程】【中】【对】【I】【P】【O】【上】【会】【公】【司】【从】【严】【把】【关】【的】【做】【法】【是】【值】【得】【称】【道】【的】【。】【这】【种】【做】【法】【不】【仅】【符】【合】【投】【资】【者】【的】【利】【益】【,】【而】【且】【也】【符】【合】【A】【股】【市】【场】【的】【根】【本】【利】【益】【,】【它】【是】【中】【国】【股】【市】【的】【一】【大】【福】【音】【。】【它】【有】【利】【于】【将】【垃】【圾】【公】【司】【与】【问】【题】【公】【司】【挡】【在】【股】【市】【的】【大】【门】【之】【外】【,】【减】【少】【I】【P】【O】【公】【司】【 】【带】【病】【上】【市】【 】【。】【对】【于】【当】【下】【的】【股】【市】【来】【说】【,】【新】【股】【上】【市】【后】【业】【绩】【变】【脸】【是】【经】【常】【遇】【到】【的】【事】【情】【。】【有】【的】【公】【司】【上】【市】【动】【机】【不】【纯】【,】【有】【的】【公】【司】【上】【市】【后】【很】【快】【就】【沦】【为】【了】【壳】【资】【源】【,】【造】【成】【上】【市】【资】【源】【的】【巨】【大】【浪】【费】【。】【而】【对】【上】【会】【公】【司】【从】【严】【把】【关】【,】【就】【可】【以】【减】【少】【类】【似】【的】【事】【情】【发】【生】【,】【从】【而】【为】【A】【股】【市】【场】【把】【守】【好】【 】【入】【口】【关】【 】【,】【做】【到】【防】【止】【 】【病】【从】【口】【入】【 】【。】【这】【种】【从】【严】【审】【核】【的】【做】【法】【对】【于】【提】【高】【过】【会】【公】【司】【的】【质】【量】【也】【是】【非】【常】【有】【利】【的】【。】【(】【记】【者】【 】【范】【维】【雅】【)】【 】【原】【标】【题】【:】【I】【P】【O】【大】【提】【速】【 】【平】【均】【审】【核】【周】【期】【降】【至】【约】【1】【5】【月】【 】【责】【任】【编】【辑】【:】【朱】【惠】【娥】【[】【标】【签】【:】【标】【题】【]】 【网】【易】【娱】【乐】【9】【月】【2】【7】【日】【报】【道】【9】【月】【2】【7】【日】【为】【刘】【德】【华】【5】【8】【岁】【生】【日】【,】【在】【2】【6】【日】【晚】【,】【超】【过】【一】【万】【名】【歌】【迷】【为】【华】【仔】【庆】【生】【,】【场】【面】【可】【比】【每】【年】【 】【华】【仔】【天】【地】【 】【要】【热】【闹】【。】【2】【6】【日】【当】【晚】【是】【刘】【德】【华】【新】【加】【坡】【演】【唱】【会】【第】【二】【场】【,】【演】【唱】【会】【地】【址】【位】【于】【新】【加】【坡】【室】【内】【体】【育】【馆】【,】【可】【容】【纳】【1】【2】【0】【0】【0】【名】【观】【众】【,】【全】【程】【几】【乎】【坐】【满】【。】【 】【这】【一】【次】【新】【加】【坡】【演】【唱】【会】【,】【刘】【德】【华】【每】【一】【场】【都】【会】【唱】【《】【生】【日】【快】【乐】【》】【歌】【,】【不】【过】【这】【首】【歌】【大】【部】【分】【皆】【由】【歌】【迷】【唱】【给】【华】【仔】【听】【,】【一】【万】【多】【位】【歌】【迷】【起】【立】【唱】【歌】【祝】【福】【,】【画】【面】【非】【常】【震】【撼】【。】【 】【距】【离】【上】【一】【次】【新】【加】【坡】【演】【唱】【会】【已】【经】【1】【1】【年】【,】【刘】【德】【华】【重】【新】【登】【台】【百】【感】【交】【集】【,】【上】【台】【不】【到】【半】【个】【小】【时】【激】【动】【落】【泪】【,】【他】【感】【性】【的】【说】【 】【1】【1】【年】【没】【来】【,】【我】【上】【次】【来】【还】【没】【到】【5】【0】【岁】【,】【现】【在】【我】【都】【老】【了】【,】【你】【们】【怎】【么】【还】【这】【么】【年】【轻】【啊】【?】【 】【 】【原】【标】【题】【:】【5】【8】【岁】【生】【日】【获】【万】【人】【合】【唱】【祝】【福】【 】【刘】【德】【华】【喜】【极】【而】【泣】【 】【责】【任】【编】【辑】【:】【陈】【玲】【玲】【[】【标】【签】【:】【标】【题】【]】 【那】【女】【孩】【对】【我】【说】【,】【说】【我】【保】【护】【她】【的】【梦】【,】【说】【这】【个】【世】【界】【,】【对】【她】【这】【样】【的】【不】【多】【。】【 】【最】【近】【,】【很】【多】【人】【都】【在】【单】【曲】【循】【环】【快】【手】【上】【的】【这】【首】【《】【那】【女】【孩】【对】【我】【说】【》】【歌】【曲】【。】【就】【连】【王】【源】【在】【《】【快】【乐】【大】【本】【营】【》】【也】【唱】【起】【了】【《】【那】【女】【孩】【对】【我】【说】【》】【这】【首】【歌】【,】【这】【首】【歌】【一】【下】【就】【刷】【进】【了】【大】【众】【的】【视】【野】【中】【。】【 】【《】【那】【女】【孩】【对】【我】【说】【》】【曾】【作】【为】【电】【视】【剧】【的】【片】【尾】【曲】【小】【有】【名】【气】【。】【最】【近】【,】【快】【手】【主】【播】【U】【u】【演】【唱】【的】【《】【那】【女】【孩】【对】【我】【说】【》】【,】【此】【歌】【一】【经】【登】【陆】【快】【手】【就】【引】【起】【了】【轩】【然】【大】【波】【,】【歌】【曲】【的】【下】【载】【量】【和】【在】【线】【试】【听】【量】【直】【线】【上】【升】【,】【甚】【至】【出】【现】【了】【大】【量】【快】【手】【用】【户】【在】【线】【寻】【求】【《】【那】【女】【孩】【对】【我】【说】【》】【吉】【他】【谱】【。】【就】【这】【样】【,】【《】【那】【女】【孩】【对】【我】【说】【》】【引】【爆】【快】【手】【。】【不】【少】【快】【手】【用】【户】【认】【为】【快】【手】【主】【播】【U】【u】【才】【真】【的】【唱】【出】【了】【《】【那】【女】【孩】【对】【我】【说】【》】【应】【有】【的】【感】【觉】【,】【实】【力】【不】【容】【小】【觑】【。】【 】【在】【快】【手】【主】【播】【U】【u】【演】【唱】【《】【那】【女】【孩】【对】【我】【说】【》】【之】【后】【,】【引】【来】【更】【多】【的】【快】【手】【主】【播】【继】【续】【翻】【唱】【。】【在】【快】【手】【也】【掀】【起】【了】【一】【股】【翻】【唱】【《】【那】【女】【孩】【对】【我】【说】【》】【的】【热】【潮】【,】【这】【股】【翻】【唱】【潮】【甚】【至】【逐】【步】【由】【快】【手】【蔓】【延】【至】【全】【网】【,】【所】【以】【最】【近】【很】【多】【人】【都】【在】【单】【曲】【循】【环】【这】【首】【U】【u】【演】【唱】【的】【《】【那】【女】【孩】【对】【我】【说】【》】【。】【 】【她】【渐】【渐】【忘】【了】【我】【,】【但】【是】【她】【并】【不】【晓】【得】【 】【,】【《】【那】【女】【孩】【对】【我】【说】【》】【歌】【词】【是】【真】【的】【让】【人】【听】【了】【就】【想】【哭】【,】【尤】【其】【是】【快】【手】【主】【播】【U】【u】【的】【翻】【唱】【,】【真】【的】【是】【唱】【出】【了】【那】【种】【惆】【怅】【感】【觉】【,】【能】【让】【快】【手】【用】【户】【不】【自】【觉】【地】【陷】【入】【回】【忆】【,】【一】【曲】【尽】【后】【再】【来】【一】【曲】【,】【只】【为】【把】【那】【段】【回】【忆】【拼】【凑】【整】【齐】【。】【或】【许】【每】【个】【快】【手】【用】【户】【都】【曾】【经】【历】【过】【这】【种】【爱】【而】【不】【得】【,】【却】【又】【难】【以】【忘】【怀】【的】【伤】【感】【吧】【。】【 】【那】【女】【孩】【对】【我】【说】【 】【完】【整】【版】【歌】【词】【 】【词】【:】【易】【家】【扬】【 】【曲】【:】【李】【偲】【菘】【 】【心】【很】【空】【 】【天】【很】【大】【 】【云】【很】【重】【 】【我】【恨】【孤】【单】【 】【却】【赶】【不】【走】【 】【捧】【着】【她】【的】【名】【字】【 】【她】【的】【喜】【怒】【哀】【乐】【 】【往】【前】【走】【 】【多】【久】【了】【 】【一】【个】【人】【心】【中】【 】【只】【有】【一】【个】【宝】【贝】【 】【久】【了】【之】【后】【 】【她】【变】【成】【了】【眼】【泪】【 】【泪】【一】【滴】【在】【左】【手】【 】【凝】【固】【成】【为】【寂】【寞】【 】【往】【回】【看】【 】【有】【什】【么】【 】【那】【女】【孩】【对】【我】【说】【 】【说】【我】【保】【护】【她】【的】【梦】【 】【说】【这】【个】【世】【界】【 】【对】【她】【这】【样】【的】【不】【多】【 】【她】【渐】【渐】【忘】【了】【我】【 】【但】【是】【她】【并】【不】【晓】【得】【 】【遍】【体】【鳞】【伤】【的】【我】【 】【一】【天】【也】【没】【再】【爱】【过】【 】【那】【女】【孩】【对】【我】【说】【 】【说】【我】【是】【一】【个】【小】【偷】【 】【偷】【她】【的】【回】【忆】【 】【塞】【进】【我】【的】【脑】【海】【中】【 】【我】【不】【需】【要】【自】【由】【 】【只】【想】【背】【着】【她】【的】【梦】【 】【一】【步】【步】【向】【前】【走】【 】【她】【给】【的】【永】【远】【 】【不】【重】【 】【一】【个】【人】【心】【中】【 】【只】【有】【一】【个】【宝】【贝】【 】【久】【了】【之】【后】【 】【她】【变】【成】【了】【眼】【泪】【 】【泪】【一】【滴】【在】【左】【手】【 】【凝】【固】【成】【为】【寂】【寞】【 】【往】【回】【看】【 】【有】【什】【么】【 】【那】【女】【孩】【对】【我】【说】【 】【说】【我】【保】【护】【她】【的】【梦】【 】【说】【这】【个】【世】【界】【 】【对】【她】【这】【样】【的】【不】【多】【 】【她】【渐】【渐】【忘】【了】【我】【 】【但】【是】【她】【并】【不】【晓】【得】【 】【遍】【体】【鳞】【伤】【的】【我】【 】【一】【天】【也】【没】【再】【爱】【过】【 】【那】【女】【孩】【对】【我】【说】【 】【说】【我】【是】【一】【个】【小】【偷】【 】【偷】【她】【的】【回】【忆】【 】【塞】【进】【我】【的】【脑】【海】【中】【 】【我】【不】【需】【要】【自】【由】【 】【只】【想】【背】【着】【她】【的】【梦】【 】【一】【步】【步】【向】【前】【走】【 】【她】【给】【的】【永】【远】【 】【不】【重】【 】【那】【女】【孩】【对】【我】【说】【 】【保】【护】【她】【的】【梦】【 】【说】【这】【个】【世】【界】【 】【对】【她】【这】【样】【的】【不】【多】【 】【她】【渐】【渐】【忘】【了】【我】【 】【但】【是】【她】【并】【不】【晓】【得】【 】【遍】【体】【鳞】【伤】【的】【我】【 】【一】【天】【也】【没】【再】【爱】【过】【 】【那】【女】【孩】【对】【我】【说】【 】【说】【我】【是】【一】【个】【小】【偷】【 】【偷】【她】【的】【回】【忆】【 】【塞】【进】【我】【的】【脑】【海】【中】【 】【我】【不】【需】【要】【自】【由】【 】【只】【想】【背】【着】【她】【的】【梦】【 】【一】【步】【步】【向】【前】【走】【 】【她】【给】【的】【永】【远】【 】【不】【重】【[】【标】【签】【:】【标】【题】【]】 【依】【托】【于】【腾】【讯】【这】【一】【互】【联】【网】【企】【业】【,】【微】【车】【保】【给】【车】【险】【行】【业】【带】【来】【的】【影】【响】【或】【许】【远】【不】【止】【提】【高】【服】【务】【水】【平】【,】【目】【前】【车】【险】【企】【业】【通】【过】【差】【异】【化】【定】【价】【及】【反】【欺】【诈】【操】【作】【来】【降】【低】【运】【营】【成】【本】【的】【动】【向】【,】【都】【是】【微】【车】【保】【未】【来】【可】【深】【耕】【的】【领】【域】【。】【 】【继】【腾】【讯】【微】【保】【联】【合】【泰】【康】【在】【线】【推】【出】【 】【微】【医】【保】【 】【之】【后】【,】【1】【2】【月】【2】【2】【日】【,】【微】【保】【正】【式】【在】【其】【公】【众】【号】【宣】【布】【,】【为】【了】【满】【足】【广】【大】【车】【主】【用】【户】【的】【刚】【需】【,】【微】【保】【正】【式】【开】【发】【呈】【现】【服】【务】【 】【微】【车】【保】【,】【用】【户】【点】【开】【微】【信】【钱】【包】【,】【在】【九】【宫】【格】【处】【点】【击】【 】【保】【险】【服】【务】【 】【,】【即】【可】【找】【到】【微】【车】【保】【服】【务】【。】【车】【主】【只】【要】【经】【过】【实】【名】【认】【证】【,】【进】【入】【到】【车】【险】【报】【价】【详】【情】【页】【,】【就】【可】【实】【现】【一】【键】【续】【保】【。】【 】【据】【了】【解】【,】【微】【车】【保】【出】【单】【最】【快】【只】【需】【3】【0】【秒】【,】【还】【可】【以】【享】【受】【微】【保】【专】【享】【无】【忧】【快】【速】【理】【赔】【通】【道】【。】【不】【过】【要】【注】【意】【的】【是】【,】【微】【车】【保】【目】【前】【还】【处】【于】【公】【测】【阶】【段】【,】【并】【非】【所】【有】【车】【主】【都】【能】【享】【受】【到】【这】【一】【服】【务】【,】【公】【司】【方】【面】【也】【在】【官】【方】【服】【务】【号】【上】【表】【示】【:】【 】【后】【续】【将】【向】【更】【多】【微】【信】【车】【主】【开】【放】【。】【 】【记】【者】【就】【此】【向】【微】【保】【寻】【求】【采】【访】【相】【关】【问】【题】【,】【但】【对】【方】【以】【 】【希】【望】【车】【险】【业】【务】【保】【持】【低】【调】【 】【为】【由】【婉】【拒】【。】【 】【三】【险】【企】【已】【与】【微】【车】【保】【合】【作】【 】【微】【保】【董】【事】【长】【兼】【C】【E】【O】【刘】【家】【明】【此】【前】【在】【接】【受】【媒】【体】【采】【访】【时】【表】【示】【,】【微】【保】【的】【车】【险】【业】【务】【主】【要】【从】【续】【保】【端】【切】【入】【。】【他】【说】【:】【 】【我】【们】【希】【望】【帮】【助】【现】【有】【用】【户】【在】【原】【有】【的】【保】【险】【公】【司】【中】【,】【以】【最】【简】【单】【、】【最】【优】【惠】【的】【价】【格】【,】【找】【到】【或】【是】【完】【成】【交】【易】【。】【所】【以】【我】【们】【会】【跟】【保】【险】【公】【司】【紧】【密】【合】【作】【,】【在】【用】【户】【续】【保】【时】【,】【通】【过】【微】【信】【去】【提】【醒】【他】【,】【用】【户】【仅】【需】【要】【一】【键】【就】【可】【以】【带】【出】【他】【去】【年】【使】【用】【的】【方】【案】【,】【几】【秒】【钟】【就】【可】【以】【做】【到】【报】【价】【,】【通】【过】【微】【信】【跟】【Q】【Q】【去】【帮】【助】【用】【户】【计】【算】【一】【个】【对】【于】【用】【户】【而】【言】【最】【优】【惠】【的】【价】【钱】【。】【 】【 】【此】【外】【,】【微】【车】【保】【还】【致】【力】【于】【为】【保】【险】【客】【户】【提】【供】【其】【他】【与】【车】【辆】【相】【关】【的】【服】【务】【,】【例】【如】【代】【驾】【服】【务】【和】【车】【辆】【保】【修】【时】【的】【代】【步】【车】【服】【务】【等】【。】【刘】【家】【明】【表】【示】【,】【用】【户】【以】【后】【进】【入】【微】【保】【,】【即】【可】【找】【到】【各】【种】【与】【车】【相】【关】【的】【服】【务】【。】【 】【首】【都】【经】【贸】【大】【学】【保】【险】【系】【教】【授】【庹】【国】【柱】【对】【《】【投】【资】【者】【报】【》】【记】【者】【分】【析】【称】【,】【微】【信】【之】【所】【以】【介】【入】【车】【险】【业】【务】【,】【有】【可】【能】【看】【中】【了】【车】【险】【的】【发】【展】【前】【景】【及】【相】【对】【广】【阔】【的】【客】【户】【群】【体】【。】【此】【外】【,】【车】【险】【是】【一】【种】【标】【准】【化】【产】【品】【,】【比】【较】【容】【易】【在】【线】【上】【进】【行】【销】【售】【,】【特】【别】【是】【对】【于】【续】【保】【来】【说】【,】【由】【于】【此】【前】【已】【拥】【有】【了】【一】【定】【的】【客】【户】【车】【险】【相】【关】【数】【据】【,】【网】【上】【续】【保】【可】【以】【精】【准】【计】【算】【保】【费】【,】【迅】【速】【出】【单】【,】【对】【客】【户】【来】【说】【非】【常】【方】【便】【。】【 】【但】【是】【对】【保】【险】【公】【司】【而】【言】【,】【车】【险】【的】【续】【保】【率】【一】【般】【在】【7】【0】【%】【到】【8】【0】【%】【之】【间】【,】【比】【例】【较】【高】【,】【所】【以】【即】【使】【保】【险】【公】【司】【自】【己】【去】【做】【车】【险】【续】【保】【业】【务】【,】【成】【本】【也】【并】【不】【很】【高】【,】【那】【么】【为】【何】【保】【险】【公】【司】【要】【选】【择】【在】【微】【信】【上】【做】【生】【意】【呢】【?】【从】【微】【保】【的】【官】【网】【页】【面】【可】【以】【看】【出】【,】【目】【前】【已】【有】【安】【盛】【天】【平】【财】【险】【、】【大】【地】【保】【险】【及】【人】【保】【财】【险】【三】【家】【财】【险】【公】【司】【接】【入】【了】【微】【车】【保】【。】【 】【其】【中】【大】【地】【保】【险】【相】【关】【负】【责】【人】【对】【《】【投】【资】【者】【报】【》】【记】【者】【表】【示】【,】【公】【司】【与】【微】【保】【的】【合】【作】【着】【眼】【于】【向】【客】【户】【提】【供】【更】【优】【质】【的】【服】【务】【,】【对】【车】【险】【客】【户】【而】【言】【,】【微】【车】【保】【的】【存】【在】【显】【然】【使】【客】【户】【续】【保】【又】【多】【了】【一】【个】【新】【途】【径】【,】【这】【样】【一】【方】【面】【不】【会】【给】【客】【户】【带】【来】【太】【多】【的】【打】【扰】【,】【另】【一】【方】【面】【,】【客】【户】【通】【过】【微】【车】【保】【续】【保】【能】【够】【更】【便】【捷】【地】【获】【得】【报】【价】【并】【轻】【松】【完】【成】【支】【付】【。】【 】【未】【来】【,】【公】【司】【将】【会】【持】【续】【与】【腾】【讯】【微】【保】【加】【强】【合】【作】【,】【借】【助】【腾】【讯】【的】【互】【联】【网】【优】【势】【,】【在】【售】【前】【、】【售】【中】【、】【售】【后】【为】【客】【户】【提】【供】【更】【多】【个】【性】【化】【、】【人】【性】【化】【的】【服】【务】【。】【 】【 】【以】【往】【,】【车】【险】【续】【保】【通】【常】【靠】【电】【话】【推】【销】【,】【由】【于】【车】【险】【客】【户】【的】【电】【话】【是】【多】【家】【保】【险】【公】【司】【共】【享】【的】【,】【车】【险】【客】【户】【通】【常】【总】【会】【在】【接】【近】【续】【保】【的】【时】【间】【接】【到】【很】【多】【推】【销】【电】【话】【,】【不】【堪】【其】【扰】【。】【一】【位】【来】【自】【北】【京】【的】【车】【险】【客】【户】【魏】【女】【士】【告】【诉】【记】【者】【,】【如】【果】【未】【来】【更】【多】【的】【公】【司】【进】【驻】【微】【车】【保】【,】【以】【微】【信】【作】【为】【入】【口】【推】【荐】【车】【险】【产】【品】【的】【话】【,】【电】【话】【轰】【炸】【情】【况】【应】【该】【会】【减】【少】【。】【 】【同】【时】【,】【市】【场】【对】【刚】【起】【步】【的】【微】【车】【保】【也】【有】【诸】【多】【疑】【问】【。】【平】【安】【产】【险】【、】【太】【保】【财】【险】【这】【两】【家】【占】【有】【一】【定】【市】【场】【比】【例】【的】【财】【险】【公】【司】【会】【否】【加】【入】【微】【车】【保】【阵】【营】【?】【微】【车】【保】【续】【保】【的】【渠】【道】【费】【用】【水】【平】【到】【底】【如】【何】【?】【与】【保】【险】【公】【司】【自】【己】【做】【续】【保】【业】【务】【相】【比】【,】【微】【车】【保】【的】【费】【用】【是】【否】【更】【少】【?】【由】【于】【微】【保】【方】【面】【未】【给】【出】【答】【案】【,】【这】【些】【信】【息】【尚】【无】【从】【得】【知】【。】【 】【在】【服】【务】【战】【中】【占】【有】【优】【势】【 】【由】【此】【可】【见】【,】【无】【论】【是】【保】【险】【学】【家】【的】【分】【析】【还】【是】【保】【险】【公】【司】【的】【理】【由】【,】【亦】【或】【是】【客】【户】【的】【体】【验】【,】【似】【乎】【都】【说】【明】【了】【微】【保】【进】【军】【车】【险】【领】【域】【的】【优】【势】【所】【在】【,】【那】【就】【是】【能】【为】【保】【险】【客】【户】【带】【来】【更】【好】【的】【服】【务】【体】【验】【。】【 】【在】【车】【险】【保】【费】【定】【价】【趋】【同】【的】【行】【业】【背】【景】【下】【,】【财】【险】【公】【司】【无】【法】【靠】【价】【格】【战】【进】【行】【行】【之】【有】【效】【的】【竞】【争】【,】【转】【而】【打】【服】【务】【战】【也】【就】【不】【足】【为】【奇】【。】【服】【务】【越】【好】【的】【公】【司】【,】【越】【容】【易】【被】【消】【费】【者】【认】【同】【,】【续】【保】【率】【也】【就】【越】【高】【,】【财】【险】【公】【司】【获】【客】【成】【本】【就】【会】【下】【降】【,】【这】【样】【车】【险】【才】【能】【扩】【大】【规】【模】【乃】【至】【赚】【取】【利】【润】【。】【 】【而】【微】【保】【的】【服】【务】【优】【势】【显】【而】【易】【见】【,】【特】【别】【是】【在】【投】【保】【入】【口】【及】【投】【保】【支】【付】【两】【方】【面】【。】【截】【至】【2】【0】【1】【7】【年】【6】【月】【末】【,】【微】【信】【合】【并】【月】【活】【跃】【账】【户】【已】【达】【9】【.】【6】【3】【亿】【。】【从】【这】【一】【活】【跃】【量】【可】【以】【看】【出】【,】【车】【险】【客】【户】【和】【微】【信】【用】【户】【有】【相】【当】【大】【的】【重】【合】【度】【,】【所】【以】【通】【过】【微】【信】【为】【车】【险】【续】【保】【,】【对】【于】【客】【户】【来】【说】【,】【相】【当】【于】【省】【去】【了】【业】【务】【员】【的】【中】【间】【环】【节】【,】【也】【省】【去】【了】【专】【门】【下】【载】【某】【家】【保】【险】【公】【司】【A】【P】【P】【再】【在】【网】【上】【进】【行】【投】【保】【的】【环】【节】【。】【加】【之】【微】【信】【有】【支】【付】【功】【能】【,】【车】【险】【客】【户】【可】【以】【直】【接】【使】【用】【微】【信】【进】【行】【支】【付】【,】【而】【不】【必】【要】【特】【地】【通】【过】【向】【业】【务】【员】【转】【账】【或】【者】【将】【钱】【转】【入】【指】【定】【银】【行】【账】【户】【扣】【款】【等】【传】【统】【方】【式】【支】【付】【。】【 】【依】【靠】【大】【数】【据】【未】【来】【可】【期】【 】【此】【外】【,】【有】【业】【内】【人】【士】【表】【示】【,】【依】【托】【于】【腾】【讯】【这】【一】【互】【联】【网】【企】【业】【,】【微】【车】【保】【给】【车】【险】【行】【业】【带】【来】【的】【影】【响】【或】【许】【还】【远】【不】【止】【提】【高】【服】【务】【水】【平】【,】【目】【前】【车】【险】【企】【业】【通】【过】【差】【异】【化】【定】【价】【及】【反】【欺】【诈】【操】【作】【来】【降】【低】【运】【营】【成】【本】【的】【动】【向】【,】【都】【是】【微】【车】【保】【未】【来】【可】【深】【耕】【的】【领】【域】【。】【 】【在】【服】【务】【质】【量】【相】【当】【时】【,】【如】【果】【微】【车】【保】【能】【够】【利】【用】【腾】【讯】【在】【数】【据】【收】【集】【、】【数】【据】【分】【析】【等】【方】【面】【的】【优】【势】【,】【对】【车】【险】【业】【务】【实】【现】【差】【异】【化】【定】【价】【,】【那】【么】【这】【一】【技】【术】【手】【段】【将】【为】【合】【作】【的】【保】【险】【公】【司】【带】【来】【较】【大】【的】【优】【势】【。】【毕】【竟】【车】【险】【作】【为】【消】【费】【险】【,】【价】【格】【敏】【感】【型】【客】【户】【的】【数】【量】【不】【在】【少】【数】【。】【 】【而】【大】【数】【据】【等】【技】【术】【手】【段】【还】【能】【帮】【助】【公】【司】【识】【别】【骗】【保】【客】【户】【。】【刘】【家】【明】【此】【前】【对】【媒】【体】【表】【示】【,】【在】【筹】【备】【阶】【段】【,】【公】【司】【做】【过】【大】【量】【的】【反】【欺】【诈】【验】【证】【。】【 】【车】【险】【方】【面】【,】【我】【们】【能】【识】【别】【到】【的】【骗】【保】【案】【件】【比】【例】【从】【2】【0】【%】【上】【涨】【到】【4】【0】【%】【。】【 】【 】【这】【样】【一】【方】【面】【可】【以】【降】【低】【保】【险】【公】【司】【的】【不】【必】【要】【的】【赔】【付】【支】【出】【,】【从】【而】【降】【低】【保】【险】【公】【司】【的】【成】【本】【,】【此】【外】【,】【也】【为】【客】【户】【提】【供】【了】【便】【利】【,】【在】【发】【生】【理】【赔】【时】【,】【保】【险】【公】【司】【按】【照】【反】【欺】【诈】【验】【证】【,】【即】【可】【判】【断】【报】【案】【理】【赔】【的】【真】【假】【,】【从】【而】【实】【现】【快】【速】【理】【赔】【。】【 】【不】【过】【,】【尽】【管】【看】【上】【去】【风】【景】【很】【美】【,】【但】【微】【车】【保】【面】【临】【的】【竞】【争】【也】【将】【是】【非】【常】【激】【烈】【的】【。】【一】【方】【面】【,】【越】【来】【越】【多】【的】【传】【统】【财】【险】【公】【司】【在】【自】【主】【发】【展】【互】【联】【网】【渠】【道】【,】【通】【过】【微】【信】【服】【务】【号】【等】【方】【式】【嵌】【入】【车】【险】【续】【保】【服】【务】【,】【所】【能】【实】【现】【的】【用】【户】【体】【验】【和】【微】【车】【保】【相】【当】【;】【另】【一】【方】【面】【,】【专】【业】【的】【互】【联】【网】【保】【险】【公】【司】【如】【众】【安】【保】【险】【、】【安】【心】【财】【险】【、】【泰】【康】【在】【线】【等】【均】【获】【批】【了】【车】【险】【牌】【照】【,】【众】【安】【甚】【至】【上】【线】【了】【保】【骉】【车】【险】【。】【不】【难】【预】【见】【,】【这】【些】【公】【司】【未】【来】【也】【将】【基】【于】【互】【联】【网】【抢】【滩】【车】【险】【业】【务】【,】【届】【时】【微】【车】【保】【到】【底】【能】【否】【从】【激】【烈】【的】【竞】【争】【中】【,】【抢】【得】【一】【块】【大】【饼】【,】【还】【有】【待】【时】【间】【的】【检】【验】【。】【 】【网】【贷】【参】【战】【 】【双】【十】【一】【 】【理】【财】【也】【要】【有】【 】【防】【坑】【 】【攻】【略】【2】【0】【1】【7】【年】【的】【 】【双】【十】【一】【 】【可】【能】【会】【成】【为】【史】【上】【最】【复】【杂】【的】【.】【.】【.】【 】【P】【2】【P】【问】【题】【平】【台】【一】【周】【盘】【点】【 】【投】【资】【之】【前】【先】【要】【做】【好】【这】【两】【点】【 】【P】【2】【P】【平】【台】【上】【市】【潮】【来】【了】【 】【投】【标】【之】【外】【还】【能】【这】【样】【赚】【一】【波】【 】【P】【2】【P】【投】【资】【最】【怕】【这】【4】【个】【惯】【性】【思】【维】【 】【一】【不】【小】【心】【就】【血】【本】【无】【归】【!】【 】【科】【普】【系】【列】【:】【如】【何】【避】【免】【掉】【入】【非】【法】【 】【美】【容】【贷】【 】【的】【陷】【阱】【?】【 】【P】【2】【P】【平】【台】【背】【景】【套】【路】【迷】【人】【眼】【 】【教】【你】【如】【何】【练】【就】【火】【眼】【金】【睛】【 】【关】【于】【分】【散】【投】【资】【P】【2】【P】【 】【你】【的】【理】【解】【可】【能】【都】【是】【错】【的】【 】【某】【些】【伪】【P】【2】【P】【的】【骗】【局】【看】【起】【来】【不】【难】【识】【破】【 】【为】【何】【总】【有】【那】【么】【多】【人】【受】【骗】【?】【 】【P】【2】【P】【有】【了】【履】【约】【险】【 】【投】【资】【真】【的】【安】【全】【无】【忧】【吗】【?】【 】【网】【利】【宝】【教】【你】【五】【招】【辨】【别】【靠】【谱】【的】【网】【贷】【平】【台】【 】【平】【台】【的】【运】【营】【报】【告】【该】【怎】【么】【看】【?】【(】【附】【2】【0】【家】【平】【台】【年】【报】【分】【析】【)】【 】【2】【0】【1】【7】【年】【投】【P】【2】【P】【 】【这】【些】【事】【情】【你】【也】【许】【需】【要】【注】【意】【下】【 】【原】【标】【题】【:】【微】【信】【车】【险】【业】【务】【"】【微】【车】【保】【"】【公】【测】【 】【以】【续】【保】【切】【入】【逻】【辑】【何】【在】【 】【责】【任】【编】【辑】【:】【朱】【惠】【娥】【[】【标】【签】【:】【标】【题】【]】