2009年4月2日星期四

Lousy mood

'Hear the sound of love's coming' I heard this sentence from a song of Xiao Yaxuan.Nothing just curious of the lyric.Does love have sound?God knows.
I have finished the Discussion and selection of the first semester's schoolar ship and have handed over the result analysis of dormitories which has more than three schoolar ship owners and dormitories in which more than two persons failed on more than two subjects..It is a complex and fussy work..Fortunately, we get it over finally.
I am coming down with a lousy mood these days..Tired of the work and the life.I haven't danced my aerobics since the beginning of the checking of the students' leave after 8o'clock.Work deep into the night,get up early.It is all what my life likes.
During the spare time of the day i often put my cactus in the sun shine then it can get more sunlight and grow larger and turn into thick green..I like green cause it stands for hope.It can help me retrieve my faith and continue with my hard work.
A while back,i feel that i am coming down with some sickness,but i can't figure out what's wrong with me.I dare not to think it over ..May be something is wrong with my head...In some sense,it likes psychology problem....I even thought i need a psychological counselor.what the hell of me?..Away from the lousy mood..

What's up next for Stirling Cartier

The smells of Italian cooking Cartier glasses soon will be wafting through Stirling Plaza versace glasses off Airline Drive when the Olive Garden restaurant opens in August."The company has just broken Cartier sunglasses ground in Stirling Plaza," said Bill McFadden, associate broker and versace glasses property manager for Stirling Properties versace eyeglasses Inc.The new Olive Garden will feature Cartier glasses the company's signature appetizers, soups and salads, pizzas, Cartier sunglasses classic pasta recipes, chicken and seafood, beef and pork, and filled pastas."Olive garden is a good, quality Cartier sunglasses operation that is always in high demand in Bossier City and it just Cartier glasses made sense to try to put together a deal," McFadden said.The Olive Garden's Cartier sunglasses specialties are inspired by the Culinary Institute Cartier glasses of Tuscany, the company's cooking school in Italy. There also are versace glasses garden fare low-fat entrées and wines, specialty drinks, versace eyeglasses beer and other beverages.As with the Olive Garden Cartier sunglasses chain there will be a To Cartier glasses Go Menu and a Parties To Go Menu.Stirling Plaza also versace glasses just saw the debut of America's Best Cartier sunglasses Contacts and Eyeglasses."North Bossier has a versace glasses great demand for versace sunglasses good national retailers — the whole Cartier sunglasses concept was to appeal to a tremendous population that was versace glasses underserved," McFadden said.America's Best Contacts & versace sunglasses sells eyeglasses, contact lenses, brands, versace sunglasses and has an eye care club.

巧妙安排维生素 解决经前不适

月经是每个女人都要遭遇的,经前不适的人群占到80%左右:腹痛、胸闷、烦躁、长痘痘……每个月“大姨妈”造访前都有这么几天,各种讨厌的症状群起而攻,叫人怎么能不烦恼?
  营养专家发现,经前不适与营养素的缺乏有关,只要补充相应的维生素,你就能轻松愉快地度过这段时间。

喜怒无常
   问题一:喜怒无常
  肖洁每次月经前都会变得喜怒无常,容易哭泣,抑郁,情绪的变化连自己都不明白为什么会出现。
  缺乏元素:维生素B6。研究表明,那些摄入了足够维生素B6的女性,在经前也能够保持情绪的稳定,这是因为维生素B6能帮助合成提升情绪的神经传递素,如多巴胺。还有一项研究表明,如果和镁制剂一起服用的话,维生素B6还能缓解经前焦虑。
  推荐食物:菜花、胡萝卜、香蕉

胸部不适
   问题二:胸部不适
  张琳一到临近经期,就发现自己的胸部变硬,乳房胀痛到一点都不能碰。其实这也是经前综合症的常见症状之一。
  缺乏元素:维生素E。摄入维生素E的女性,胸部不适会降低11%。这种营养物质能减低前列腺素的产生,而前列腺素是一种能引发一系列经前疼痛的物质。维生素E也能缓解腹痛。
  推荐食物:植物油、菠菜、谷物

腹痛
   问题三:腹痛
  英在经前的一个星期就会感觉到断断续续的腹痛,当临近经期的2-3天,这种疼痛就变得更加剧烈。
  缺乏元素:赘-3脂肪酸。腹痛是最为常见的经前问题,如果女性在每天的饮食中多摄入一些赘-3脂肪酸就能缓解40%的腹痛。赘-3脂肪酸能减少女性体内一种荷尔蒙的分泌,而这种荷尔蒙可能在经前期加剧子宫收缩引起腹痛。赘-3脂肪酸还能缓解因经前综合症引起的焦虑。
  推荐食物:深海鱼类,如三文鱼、金枪鱼

失眠
   问题四:失眠,睡眠质量不高
  晶从经前一周就开始失眠,即使睡着了也很容易惊醒,晶晶觉得疲惫不堪,体力不支。
  缺乏元素:色氨酸。因为荷尔蒙的变化,大约有60%的女性在经前一周都不容易入睡。不过色氨酸能有效提高睡眠质量,身体会利用色氨酸来产生一种化学复合胺帮助你安然入睡。
  推荐食物:火鸡肉、牛肉、山核桃

痘痘
   问题五:痘痘
  晨晨每个月都能准确地知道自己的来潮时间,因为在那之前,讨厌的痘痘总是准时出现在她漂亮的脸蛋上。
  缺乏元素:锌。痘痘找麻烦是女人最烦恼的事,一项研究表明,不长痘痘的女人体内锌的含量明显比长痘痘的女人高。锌能阻碍一种酶的生长,这种酶能够导致发炎和感染。此外,锌还能减少皮肤油脂分泌,减少感染机会。所以要消灭小痘痘,给自己补点锌吧!
  推荐食物:牛肉、大肉、小羊肉、虾、南瓜

嗜吃甜食
   问题六:嗜吃甜食
  芊总是会在经前一周发胖,因为她在这个时候特别容易觉得饿,而且对甜食有强烈的渴望。
  缺乏元素:钙。经前摄入比较多钙的女性,饥饿的感觉会降低48%。因为这时雌激素的分泌增加,阻碍了钙被溶解在血液中。因为缺钙,女性的情绪也更容易起伏,情绪不好的女性容易通过暴饮暴食来发泄不快。通过补充含钙高的食物,你可以缓解经前饥饿的症状,同时还能缓解经前头痛,消除身体浮肿。

中小险企将可直投股市 资产需达到50亿门槛

符合条件的中小保险公司今后将可以直接投资股票。记者昨日从保险公司人士处获悉,关于保险公司投资股票的两个标准文件已经下发至保险公司,符合条件的保险公司可以向保监会提交相关材料,提出投资备案。
   资产50亿或为“隐性”门槛
  此前,中小保险公司购买股票只能委托九大保险资产管理公司进行。据了解,此次保监会出台的《保险公司股票投资管理能力标准》和《保险机构信用风险管理能力标准》明确规定,保监会对保险公司股票投资实行备案制,取代以往的审批制。这意味着一些符合条件的中小保险公司可以直接投资股票。
  《保险公司股票投资管理能力标准》中规定了保险公司直接投资股票的组织架构、专业队伍、投资规则、系统建设和风险控制等基本要求。比如,股票投资规模在5亿至10亿元的,专职人员不少于12人;股票投资规模超过10亿元的,投资经理、研究和交易等主要业务人员不少于12人。《保险机构信用风险管理能力标准》则要求保险机构设立独立的信用评估部门或岗位。
  “保监会只提出了超过5亿元股票投资规模的人员配备要求,而按照直接入市比例为资产10%来看,公司资产规模要达到50亿元以上。”一位合资保险公司人士向记者表示。这一猜测并未得到官方证实。按资产规模这一标准来看,目前尚未成立资产管理公司的中资保险公司中,阳光保险集团、民生人寿等可能成为符合要求的中小保险公司。据公开信息,阳光保险集团去年底总资产增至376.81亿元,投资收益率为7.34%。
  此外,此次保监会文件对于专业人员资历也有明确要求,包括股票投资负责人,需要具有5年以上股票投资管理经验或者8年以上金融证券从业经历及相关专业资质。上述保险公司人士告诉记者,由于之前并没有做过这方面的准备,监管部门对于专业人员和资历的要求还是比较严格的,需要一定的准备时间,短期内难以成型。
   两季偿付低于100%不得增仓
  尽管上述文件没有单独提出偿付能力的要求,不过保监会强调,保险公司要认识股票投资的市场风险,分析经济金融形势,制定股票投资策略,测算市场波动对投资组合的影响,保证偿付能力满足监管要求。
  保险行业从今年上半年开始实行分类监管,保监会相关人士告诉记者,在实施分类监管后,还会完善股票投资标准,持续评估保险机构股票投资管理、信用风险管理的能力。事实上,保监会对于保险公司分类监管也有一系列资金运用风险检测指标,包括投资收益充足率、资金运用集中度和违反投资规定等。
  据了解,除了关于股票投资的政策,保监会本周还将发布《保险资金债权投资计划设立指引》、《保险机构设立基础设施债权计划通知》、《关于调整债券投资政策的通知》,保险资金投资基础设施项目,将由原来的120亿元额度试点转为全面铺开。

2009年3月29日星期日

Women always say one thing and mean other

My Mom argued with my Dad yesterday evening. I tried to persuade and make them hand in hand, but my Mom thought I always support my father. It seemed what I said added fuel to the flames. Who do I want to support? Like the question: “who do you like more, Mom or Dad?” I don’t know. I support who is reasonable. Girls and women like making trouble out of nothing, include me. I always lose my mind, and I often cry. Probably your GF and wife are the same as me… Why?Maybe there is no reason, just because they are female, they need love. If you are men, you should be more generous, patient to protect them, lull them and love them. Remember classical sentence: Women always say one thing and mean other.

Wu Yi apologizes for high medical costs

Vice-Premier Wu Yi apologized to lawmakers yesterday for failing to check soaring medical expenses.
"People are dissatisfied, and I feel guilty for that. I should apologize to you," Wu said at a panel discussion with lawmakers on the sidelines of the Fifth Session of the 10th National People's Congress (NPC).
Wu, who successfully steered China's negotiations with the World Trade Organization, is the only female vice-premier in the cabinet. Her jurisdiction includes health and medical services.
Rising medical costs have become a major concern in China. And a series of accidents caused by substandard food and medicine added to people's woes.
"Food and drug safety are a matter of people's health and security," Wu said.
Statistics show that nearly 70 percent of China's food producers are small factories or workshops. More than 85 percent of China's drug manufacturers are small companies with annual sales revenue of less than 100 million yuan ($12.9 million).
Wu promised that the government would more closely supervise small workshops, food stores, stalls and eateries, the likeliest sources of food poisoning.
The government will also monitor food and drug makers and distributors more closely, Wu said.
She also promised to address problems in the medicine sector and said the country's drug watchdog would improve the administrative system for drug research and production.
'Basic medicine system'
Health Minister Gao Qiang said yesterday that China had pinned its hopes on a "basic medicine system" to tackle complaints about limited public access to medicine.
"High drug prices are a major reason for high medical expenses. The key to this problem is to set up a basic medicine system," Gao told reporters on the sidelines of the ongoing parliamentary session.
The system, which would include a catalogue of necessary drugs that would be produced and distributed under government control and supervision, could help ensure access to a range of basic medicines and prevent manufacturers and business people from circumventing existing price controls, Gao said.
In the late 1970s and early 1980s, the central government reduced funding for healthcare, creating deficits for public health institutions. This move forced hospitals to generate their own revenue by aggressively selling drugs.
To stem the rising tide of public complaints about high medical costs, the National Development and Reform Commission (NDRC) capped the cost of hundreds of drugs.
However, critics argue that the price cuts have not been effective since drug manufacturers often change the names and packaging of their drugs to escape price controls.
Some hospitals and clinics have also turned a blind eye to government price caps and refused to prescribe lower-priced alternative drugs.
Gao said drug production, distribution and use were all riddled with problems, which not only inflated drug prices, but also upset the public.
"I myself am also very dissatisfied," he said.
He said the catalogue could be based on 300 to 400 drugs recommended by the World Health Organization every year.
"The government must take action to tighten control and supervision of the production, purchase and distribution of drugs to ensure that they are safe and sold at affordable prices," the minister said.
Drug pricing in China currently falls under the jurisdiction of several departments

建立金融中心的上海还需要什么?

国务院总理温家宝25日主持召开国务院常务会议,审议并原则通过关于推进上海加快发展现代服务业和先进制造业、建设国际金融中心和国际航运中心的意见,提出到2020年,将上海基本建成与中国经济实力和人民币国际地位相适应的国际金融中心。

上海建立金融中心是大势所趋,没有高效的金融中心,就不可能有强大的实体经济,反之亦然。国务院之所以最终确立上海成为国际金融中心,不仅因为上海具有远东金融中心的历史传统,更因为上海有幅射深远的多层次的金融市场,业已成为国内最重要的金融市场。

经过多年打造,上海金融体系已初具规模:已建立起包括商业银行、证券公司、保险公司、基金管理公司、信托公司、期货公司、金融租赁公司、货币经纪公司、票据业务中心等在内的类型齐全的金融机构体系;金融机构资产增长迅速,“十五”末,上海金融机构总资产达到3.2万亿元,约占全国的9%。截至2007年底,全国金融机构资产总额60.48万亿元,上海就占了6.94万亿元,约为全国金融总资产的11.5%。

国内金融中心的法律归属争夺战至此可以告一段落,市场总量的争夺还将继续,这对刺激上海的市场化改革只有好处没有坏处。

从短期来看,上海与香港金融市场并不冲突,由于人民币还不能自由兑换,一些人民币离岸结算等只能在香港进行,而境外发行人民币债券等业务,上海也无法在短期内与香港抗衡。但从长期来看,香港的金融中心地位将转移给上海,上海在境内的幅射更为深广,一旦人民币资本项目彻底放开,人民币汇率彻底市场化,上海将可以给境内外人士提供所有的金融服务,同时,上海也不存在香港的港币与人民币挂钩的难题。

香港的桥头堡作用正是因为人民币的非国际化,内地市场的封闭和中介服务的不完善,如果内地的制度建设能够跟上,处处桥头堡,也就不存在桥头堡了。国务院意见给出的人民币国际化的时间节点是2020年,距今还有12年的时间,这段时间也是香港与上海之间的交接期。

即便以最乐观的估计,人民币国际化顺利完成,也不能否定香港的区域金融中心的地位,正如中国与东盟的人民币结算需要昆明这一区域金融中心一样,人民币国际化之后,在西北、中部、东北都需要区域金融中心,正如纽约是国际金融中心,并不妨碍芝加哥成为国际期货市场中心,上海成为国际金融中心,新加坡与东京照样也能成为国际金融中心。

虽然上海被指定为中国的国际金融中心,但是并不意味着上海万事俱备。到现在为止,上海多层次的资本市场、以及数目众多的金融机构主要是政策利好的产物,而不是市场自发积极发展的产物。

上海金融国资所占比例位居全国翘楚,市场管制较严且水平不高,没有沽空等手段,权证市场的管理一地鸡毛,反映市场资金流向的私募基金数量,深圳和北京均高于上海,说明纯以市场吸引力而论,上海落于深圳和北京之后。当然,上海正在进行制度性改良,并且有所收效。比如2008年12月30日,上海市黄浦区法院成立民事审判第五庭,作为专门的金融审判庭。

要建立金融中心,上海有关部门的思维必须更贴近市场,更贴近法律。成为国际金融中心最终要靠市场的选择,吸引市场人士靠的是效率与规范,而不是国务院的一纸文件,哪怕世界银行下文件都不管用。

所谓的国际金融中心,不是资金中心,不是政策的特区,而是所有风险都可以通过交易对冲的方式,得到提前释放,由此给实体经济提供稳定的发展环境和准确的估值判断。此次国务院文件给予上海足够的试验空间,上海理应抓住机遇,以创新、效率与规范向市场表明自己建立金融中心的诚意,上海有必要抓住任何市场风险如汇率、利率等,通过在上海市场的交易得到释放,如此上海也就能真正确立国际金融中心的地位。

仅靠上海的努力还是不够,还需要中国金融体制的大改革。目前上海已经成为金融市场中心,不过由于金融行政决策中心还在北京,因此出现了金融机构总部从各个地区回迁北京的情况,形成金融决策与市场两张皮现象。金融机构必须到北京跑政策跑文件,如果这样的局面不改,中国什么地方都不可能成为国际金融中心。

为了在中国建立国际金融中心,中国的金融管理、金融行政必须同步进行大刀阔斧的改革,有关部门除了关系经济安全的事项外,其他审批放权,对金融产品持宽容态度,并且尽可能将市场决策中心转移到上海。如此,才能向所有的市场人士发出中国金融改革的宣言书。

注:凤凰卫视金石财经采访,晚将思考撰述成文。市场化是前提,现在是考验上海创新能力的时候了。