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2019年7月23日 (火)

確保監管科技和金融科技同步發展

 

  利率正在軌道上或正在進行實質性的進展

  展望今年下半年,貨幣政策的一個重要重點是疏通貨幣政策的傳導機制。值得注意的是,在政府的全面部署下,今年利率市場化改革可能有一個重大突破,體現在促進存款貸款基准利率和貨幣市場利率逐步統一的“兩道一軌道”上。

  在最近舉行的新聞發布會上,孫國鋒表示,由於貸款的基准利率與市場利率並存,將對市場化的利率調控和傳導機制形成一定的障礙,這不利於將市場利率轉換為信貸利率。因此,下一步深化利率市場化改革的關鍵是推動貸款利率市場化進一步推進。他還再次提到了LpR,即貸款市場的利率。他說,這個利率是由市場報價形成的,更好地反映了市場資金的供求關系。促進銀行更多地使用市場報價作為貸款報價的參考,有利於解除貨幣政策對貸款利率的影響,促進降低貸款實際利率。

 

出糧戶口優惠比較:中國建設銀行(亞洲)出糧增值服務,助您輕鬆月月賺息。由即日起至2019年5月31日,選用「出糧增值」服務,尊享高達額外3%活期存款年利率及高達港幣2,000元獎賞!

  《中國版監管沙箱》即將發行。中國央行科技司司長李偉最近表示,中國央行將與相關部委合作,在北京、上海和廣州等10個省市開展試點項目。飛行員被稱為“中國版的監沙箱”。除規范沙箱問題外,李還列舉了即將推出的金融技術開發計劃的重大信息。分析人士認為,金融科技中技術與金融的結合將帶來多種可能性。因此,“監管沙箱”模式在控制重要領域風險的前提下,可以提供創新和試錯的機會。確保監管科技和金融科技同步發展。

  飛行員在北山光等10個省市

  7月13日,在第四屆全球金融科技峰會(北京)上,李偉透露,中國地域遼闊,地域差異巨大,金融機構眾多,金融科技的應用需要不斷探索,特別是我國金融科技的應用需要不斷探索。在早期階段,這可能需要一個迭代開發和試錯過程。為此,銀行將會同有關部委,在北京、上海、廣州等10個省市開展金融科技應用試點工作。

  “這個試點一方面是遵照現有的法律法規和監管規則,積極探索運用科技手段提升金融服務的效率,包括一些公共服務、社會治理的一些效率,將優秀的經驗和做法輻射到其他地區、領域和行業,發揮以點帶面這樣的示范引領作用。”李偉表示,另外,也希望通過這個試點能夠建立完善適應金融科技發展的一個體制機制的政策措施。就金融科技到底怎麼發展,在制定方案之初就考慮到可能的風險,建立風險的補償以及退出機制,其實是探索符合中國國情的監管沙盒。

 

 

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2014年8月 4日 (月)

Artificial wetland sewage

As murky water snakes through a man-made wetland between Dallas and Houston, its shallow ponds of lush vegetation slowly filter out phosphorous and nitrates until Handmade accessories, a week later, the water runs clear as a creek into the area drinking supply.
Wetlands: Oak treeAP Photo: LM Otero
In this photo taken July 9, 2014, a dead oak tree stands amid a man made wetland project near Fairfield, Texas.
The 2,000-acre wetland system in Fairfield converts what is mainly treated wastewater that would otherwise flow into the Gulf of Mexico into an additional 65,000 gallons per day feeding the Richland-Chambers Reservoir — a significant contribution in a state enduring prolonged drought.
At $75 million, the wetlands system cost far less to build than traditional filtering infrastructure and has piqued the interest of planners from places as far afield as Mexico City and Baghdad, where bombs destroyed the water infrastructure. And with climatologists predicting longer and more frequent droughts worldwide flower shop in hk, the wetland system greatly reduces the pressure on water utilities and their reliance on precipitation.
"This is stepping back from dependence on rainfall," said David Marshall, head of engineering services for Tarrant Regional Water District, which operates the wetlands. "With potential climate change or long-term droughts, we're at risk, whereas these wetlands firm up a tremendous amount of water supply for us."
The technology behind the George Shannon Wetland Water Reuse Project has been around for decades, but only recently proved reliable and cost efficient.
It reroutes Trinity River water — which in July was mostly treated wastewater that entered the waterway 100 miles upstream — into large pools where the sediment settles, Darrel Andrews, the water district's environmental director, said. From there, it passes through areas abundant with ragweed, hackberry and other plants where many water birds roost. Along the way, microbes and plants filter out the nitrates and phosphorous from the water, which is eventually released into the reservoir.
The George Shannon wetland, which was built over a former Texaco oil field, provides about 30 percent more water to the reservoir than it would otherwise hold — a boon to its 1.5 million users in North Texas.
Although the Fairfield wetland is a hedge against climate change and more frequent dry spells, communities elsewhere in the U.S. have been turning to wetlands for ecological solutions to other problems.
For example, Bloomington, Illinois, is using man-made wetlands to address water quality, not quantity. The community has long struggled with potentially hazardous levels of nitrates in its public drinking supply. So it turned to farmers, whose fertilizer-laden fields helped create the problem, for help.
John Franklin's family has been farming in the small, agricultural community of Lexington, two hours south of Chicago, since 1848. Their land sits in the watershed that feeds one of Bloomington's reservoirs.
The area was once covered in marshes and wetlands, and was too wet to effectively farm. So Franklin's ancestors and others found the only way to make the land productive was to quickly drain excess water.
But after more than a century of bountiful corn and soybean crops, high levels of nitrates, which can cause oxygen deficiencies in infants and "dead zones" in bodies of water where nothing can live, have been found in municipal drinking supplies.
Rick Twait, Bloomington's superintendent of water purification, and other officials decided to focus on the 72,000 acres of watersheds that feed the city's two existing reservoirs. Working with The Nature Conservancy, the University of Illinois and others, wetlands of various sizes were placed in farming fields — including Franklin's.
The goal was to reduce nitrates by 50 percent. Ten years later, the numbers are encouraging and doable: only about 2.6 percent to 3 percent of an agricultural field needs to be wetlands to achieve effective filtration, said Maria Lemke, an aquatic ecologist with the conservancy who oversees the research.
Franklin received federal funding to transform part of his family's 1,200-acre farm into a wetland.
"It had to be done. We're all in the same watershed. Everything we do upstream affects everybody downstream flower shop," he said.
But with corn and soybean crops fetching record prices, it has been difficult to find others willing to take land out of production. A few, though, are participating and once there are enough wetlands, the city will have a natural filter that doesn't require energy to operate and needs minimal maintenance, Twait said.
"It's basically on call all the time," he said.

2013年10月16日 (水)

The Republican budget reaction

The treatment of elderly people was highlighted by two Fianna Fáil spokespeople today, with Seán Fleming asking what the Government “has against elderly married couples?”.
“Even the dead aren’t safe from this Government” – Fianna Fáil reaction to the Budget
Screengrab
THE FIANNA FÁIL Finance Spokesperson Michael McGrath has said that the elderly have been treated in a “disgraceful” manner in today’s Budget.
McGrath said that the Fine Gael/Labour government had hit low and middle-income families disproportionately g-suite in oldham.
“Your measures to date have undoubtedly been regressive,” McGrath said to Finance Ministers Michael Noonan and Brendan Howlin, adding “those who are on low and middle incomes have borne the brunt in particular.
“The very wealthiest in this country have been asked to contribute precious little.”
McGrath said that unemployment remained a “national emergency” and said that the scale of the task ahead was “immense”.
McGrath said that the Budget was “over-promised and under-delivered”.
Speaking about the treatment of pensioners and the removal of Death Benefit grants, McGrath said:
Even the dead are not safe from this Government
“As if it isn’t enough to take a property tax from the estate of the deceased g-suite manchester, but the modest grant their loved one gets to give them the dignity of a decent burial is being removed by this Government.”
McGrath said that the Budget is going to hit those least able to pay – young mothers, the elderly and the young unemployed.
He did, however, welcome the Banks Levy, saying that it will be well met.
“No-one will be chaining themselves to the railings outside Leinster House tonight to protest against the banks levy g-suite cardinal,” he said.
The party’s Public Expenditure spokesman Seán Fleming said that moves on medical card issuance would hit it 35,000 people.
He accused the Government of “attacking our parents and grand parents”.
“We’re seeing a blatant medical card rationing on economic grounds rather than on clinical and medical need,” he said.

2013年7月11日 (木)

Regular bedtime is most suitable for young children

Researchers have found that inconsistent bedtimes are linked to children's cognitive development and warned that there could be "knock-on" health effects throughout life.
The authors wanted to assess whether the time a child went to bed, and the consistency of bed times, had any impact on their intellectual performance, Asian college of knowledge management measured by testing their reading, maths and spatial awareness.
The study, published in the Journal of Epidemiology and Community Health, examined more than 10,000 children who are taking part in the Millennium Cohort Study - a long-term study of children born in the UK between September 2000 and January 2002.
The research was drawn from regular surveys and home visits made when the children were three, five and seven to find out about family routines, Set up Business in Hong Kongincluding bedtimes.
When children were three, almost one in five had irregular bedtimes, but the figure reduced to less than one in 10 when the children were older.
By the age of seven, more than half the children went to bed regularly between 7.30pm and 8.30pm.
Children without regular bedtimes and who were put to bed after 9pm tended to come from more socially disadvantaged backgrounds, the researchers said.
They found that seven-year-old girls who had irregular bedtimes had lower scores on all three aspects of intellect assessed, compared to children who went to bed at a regular time, but the effect was not found in boys.
Irregular bedtimes at age three were associated with lower reading, storage cabinet maths and spatial awareness scores in both boys and girls.
Girls who had never had regular bedtimes at ages three, five and seven had significantly lower reading, maths and spatial awareness scores than girls who had had consistent bedtimes. For boys, this was the case for those having non-regular bedtimes at any two ages.
But they also found that irregular bedtimes by the age of five were not associated with poorer brain power in girls or boys at the age of seven.
"Sleep has a crucial and complex role in the maintenance of health and optimal function," the authors wrote.
"Inconsistent bedtime schedules might impact on markers of cognitive development in two ways, via disruptions to circadian rhythms and/or sleep deprivation and associated effects on brain plasticity."
They concluded that a range of social and family environmental factors are related to bedtimes during early childhood.
"Our findings suggest that inconsistent bedtimes, especially at very young ages and/or throughout early childhood, are linked to children's cognitive development.
"Relations between inconsistent bedtimes and aspects of early child development may have knock-on effects for health and broader social outcomes throughout the life course.
"Families are prone to demands on time that might adversely impact on routines important for healthy development in young children."
They said in light of this, policy development is needed to better support families to provide conditions in which young children can flourish.

2013年6月14日 (金)

Gas leakage occurred in southern Thailand

Police said the two perished at the plant in Trang province craft organizers, 680 kilometres south of Bangkok, as they tried to reach the couple inside a three-storey ventilation chimney on Monday.
Police Lieutenant Chalongchai Chapan told the Bangkok Post the accident happened shortly after midnight (local time) when the husband and wife passed out from toxic gas believed to be ammonia.
The New Zealand engineer, aged 36, and Thai employee Rod Singkham, 31, saw the incident and entered the chimney to bring the unconscious couple out to safety. Instead, both rescuers died, the paper reported.
The unconscious couple were later pulled to safety by other employees of the biomass plant Asian college of knowledge management.
New Zealand's Ministry of Foreign Affairs and Trade was not able to immediately confirm the details.

2013年5月14日 (火)

Check the Irish bailout

EUROPEAN UNION MINISTERS have officially adopted new rules which could mean Ireland would be subject to bailout-style inspections of its financial progress for up to 20 years after the end of the bailout programme solar executive gifts and premium.
Ministers yesterday adopted the ‘two-pack’ measures, the most obvious impact of which will be the movement of Ireland’s annual Budget from December to October – as a result of new rules which will require countries to send their Budget for prior scrutiny by Brussels.
However, the changes will also have a more profound impact on countries which are currently in an EU-IMF bailout – and force them to remain under strict financial supervision, and regular inspections, for years afterwards.
Among the rules adopted by ministers yesterday, and which have now officially become EU law, is a clause that bailed-out countries like Ireland will be subject to inspection by visitors from the European Commission and European Central Bank teams until they have repaid three-quarters of their EU loans.
With ministers also granting a seven-year extension to the repayment dates of Ireland’s loans, Ireland is not likely to have passed this mark until around 2035 – meaning two decades of regular inspections by visiting inspectors, KD furniture similar to those currently carried out by Troika teams.
Inspections could mean recommendations from other countries
Those inspections could then lead ministers from other EU countries to issue recommendations about how Ireland might act to avoid any further financial calamity – though the rules do not strictly require Ireland to follow any recommendations.
The frequency of the visits is also not discussed, and so the visits may not be as regular as those of the current Troika inspectors who come to Dublin every three months.
Ireland’s bailout programme is due to formally end later this year, when it empties the €67.5 billion fund put up by the European Commission, the European Central Bank, the International Monetary Fund, white wine and the governments of the UK, Sweden and Denmark.
The Troika’s most recent visits to Ireland have focussed on measures that could ensure Ireland is able to borrow from the open markets, and not need further funding from backup sources like the Troika, when the bailout funds are fully drawn down.
Ireland has so far drawn down about €58 billion of its total package, including almost all of the funds from the IMF and the European Financial Stability Mechanism.
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