Registration system under the new board transfer board is poured cold water 90 companies into the li 老婆军婚如山

The registration system under the three new board transfer cold 90 companies entered the market counseling period – Sohu securities before the date, WeChat circle with a spread of the SSE leadership interviews minutes, which referred to "the new Sanban enterprise don’t expect too much to turn board, board of listed companies expected to strategic emerging board under the registration system poured cold water. Although the word "transfer plate" appears in the top-level design, it is slow in specific implementation. Many market participants said that they are not optimistic about the launch of the rotating plate pilot this year. In fact, there is no green channel for the transfer board, and the routine declaration procedure should still be adopted. At present, there are more and more new three board listed companies into the listing guidance. Due to the lack of liquidity and low valuations, the attractiveness of the new three board to high-quality enterprises has declined, while the liquidity continues to shrink is also being given to the market by conduction. The transfer plate channels or have been blocked recently, in the micro channel circle around the SSE lead relevant registration system and strategic emerging board interview summary, which referred to "the new Sanban enterprise don’t expect too much of the transfer plate, and the registration system and approval system audit procedure time cost not much difference". Many market participants believe that the credibility of the statement is higher. A sponsor of Beijing new board business owners said that this clearly between the new board and the new board between the board channel does not exist, if you want to enter listed company A shares, still through the IPO program. A general manager of Listed Companies in the field of culture, said, the new board enterprises generally do not go to the stock exchange motherboard, fight new board industry restrictions, nor is it easy to enter. At present, the listing of enterprise transfer board are in accordance with the IPO rules, there is no hanging for many years can automatically turn plate. From the top design, "turn board" from the new board expansion began as a pillar of its architecture. In 2013, the decision of the State Council on the relevant issues of the National SME stock transfer system pointed out that when the listed company reached the conditions of stock listing, it could apply directly to the stock exchange for listing transactions. Last December, the executive meeting of the State Council once again proposed to study the introduction of new three board to the GEM board trial. However, the aforementioned broker said, "the so-called transfer board pilot has never been implemented or implemented from the level of the SFC, the transfer board pilot is more involved in the market investment institutions, listed companies and other market players, to create public opinion. Several opinions of the CSRC are the clarification of public opinion." In November 20th last year, the Commission issued a number of opinions to promote the development of the new three board, although the document referred to the study of the transfer board pilot, but more emphasis on adhering to the independent market position, the company is not listed on the transfer of the listing of the transition arrangements". In view of the long waiting and uncertainty of IPO queuing, if the implementation of the transfer board pilot can be implemented, it will be a huge temptation for enterprises and investment institutions. However, if the minutes of interviews spread true, that would mean that Easy Access could lead to a new war in the new board has been blocked. It is learnt that the research work on the rotating plate has been difficult to promote the process. In December 25th last year, the director of the marketing department of the Commission said that the transfer mechanism needs to cooperate with the reform of the stock issuance registration system, and also to study the existing legal framework

注册制下新三板转板被泼冷水 90家企业进入上市辅导期-搜狐证券   日前,微信圈流传着一份上证所领导访谈纪要,其中提到“新三板企业不要对转板抱有太大期望”,对期望在注册制下向战略新兴板转板的挂牌企业泼了一盆冷水。  转板一词虽然出现在顶层设计中,但在具体实施层面推进缓慢。多位市场人士表示,他们对今年推出转板试点并不乐观,实际上实现转板还没有绿色通道,仍然要走常规申报程序。  目前,正有越来越多新三板挂牌企业进入上市辅导。由于流动性不足、估值偏低,新三板对优质企业的吸引力有所下降,而流动性持续萎缩也正在向定增市场传导。  转板通道或已堵死  近日,在微信圈流传着上证所领导有关注册制和战略新兴板的访谈纪要,其中提到“新三板企业不要对转板抱有太大期望”,并且“注册制和核准制审核程序时间成本上没有太大差别”。  多位市场人士认为该说法可信性较高。一位主办券商北京地区新三板业务负责人表示,这明确了新三板和战新板之间转板通道是不存在的,如果要挂牌公司要进入A股仍要通过IPO程序。  一位文化领域挂牌企业总经理称,新三板企业一般不会去上交所主板,而战新板有行业限制,也不是随便能进的。目前挂牌企业转板都是按照IPO规则,不存在挂了多少年就能自动转板。  从顶层设计上,“转板”从新三板扩容的一开始被作为其架构的一个支柱。2013年,《国务院关于全国中小企业股份转让系统有关问题的决定》指出,挂牌公司达到股票上市条件的,可以直接向证券交易所申请上市交易。去年12月,国务院常务会议再次提出研究推出新三板向创业板转板试点。  不过,前述券商人士表示,“所谓转板试点从来都没有从证监会层面实施或推行过,转板试点更多地是参与市场的投资机构、挂牌企业等市场主体,营造起来的舆论。(证监会)若干意见是对舆论的澄清。”  去年11月20日,证监会发布了推进新三板发展的若干意见,文件虽然提及研究转板试点,但更强调“坚持独立的市场地位,公司挂牌不是转板上市的过渡安排”。  鉴于IPO排队的漫长等待和不确定性,转板试点如果能够落实,对企业和投资机构而言都是巨大的诱惑。不过,如果流传中的访谈纪要属实,那将意味着新三板可能通向战新板的绿色通道已经被堵死。  据悉,关于转板的研究工作一直在艰难地推进过程中。去年12月25日,证监会市场部主任霍达曾表示,转板机制需要配合股票发行注册制改革,还要研究在现有法律框架下的可行性。  企业纷纷上市辅导  2月18日,鸿禧能源(835183.OC)进入上市辅导,自此启动上市进程的新三板挂牌公司已经突破90家,有至少15家企业的上市申请获得证监会受理并在新三板暂停转让。  在没有绿色通道的情况下,挂牌企业如果要在A股上市,需要先从新三板摘牌再走常规IPO流程,这是目前转板的唯一途径。  值得关注的是,这些企业绝大部分是去年上半年以后进入上市辅导的。不过,真正实现转板的挂牌公司寥寥无几,去年只有三家企业实现在深市上市,且都发生在上半年。目前,在证监会排队申请IPO的企业数量仍有728家,监管者多次强调即使注册制实施,上市节奏也不会有较大变化。  金龙腾(831222.OC)董秘宋斌对本报记者表示,“估计消化目前排队的企业就要2年左右,算上不断涌入的大批企业,挂牌企业从新三板摘牌后也要三到五年才可能实现IPO,时间成本很高。并且能不能上还是个未知数,摘牌以后企业融资会受到很大影响,风险是很大的。”  她认为,留在新三板的企业也会遇到融资困难,由于流动性不足,“今年融资肯定比去年难得多。即使创新层出来,如果没有外部资金加入,流动性也很难改善。”  一位市场分析人士告诉记者,由于股价低迷、交投冷淡,去年上半年涌入定增市场的资金大部分都不能顺利退出。再融资时,投资者因为看不到挣钱效应会更加谨慎。  证监会的若干意见中指出,暂不降低投资者门槛、暂不实行竞价交易。不过,股转公司多次表明加强监管的决心,被市场理解为利好消息,可能成为未来投资人门槛降低等措施的铺垫。  不过,一位华北地区券商分析师认为,“股转公司手里有牌,但出牌权不在自己手中。新三板的发展要取决于整个资本市场改革的推进进程。新三板现在要做的是如何在保证小企业融资能力的同时,制定更合理的融资和做市商监管规则。” 一财  日前,微信圈流传着一份上证所领导访谈纪要,其中提到“新三板企业不要对转板抱有太大期望”,对期望在注册制下向战略新兴板转板的挂牌企业泼了一盆冷水。转板一词虽然出现在顶层设计中,但在具体实施层面推进缓慢。  多位市场人士表示,他们对今年推出转板试点并不乐观,实际上实现转板还没有绿色通道,仍然要走常规申报程序。  新三板中心 (来源:金融投资报)相关的主题文章:

The fact is that Buffett’s performance is not as good as an ordinary investor in China 湘潭大学就业网

The fact is that Buffett is not a Chinese performance of ordinary investors in U.S. stock market center: exclusive national industry sector stocks, premarket after hours, ETF, real-time quotes warrant Caixin [] (columnist Bellers Chinese) an ordinary investors, in the past ten years beyond Warren Buffett. What is the secret of countless career investors who are dreaming of being easily done by ordinary Chinese? Over the past decade, Buffett’s Berkshire Hathaway net assets increased by an average of 9.6% per share annually, with an average annual growth of 8.6% per share, exceeding the compound growth of an average of 5.3% a year on the S & P 500 index plus dividends. In 2000 invested 100 yuan to Buffett’s Berkshire Hathaway, 2014 will become more than 300 yuan of money. This Chinese investor is not someone else, millions of millions of ordinary people who buy houses. Over the past decade, the growth of China’s housing prices has surpassed the performance of Buffett. Due to unable to obtain accurate data of China’s housing prices, here I use the National Bureau of statistics statistics of real estate enterprises land acquisition costs divided by the real estate enterprises land acquisition area, access to the annual average purchase price of real estate enterprises land. This data can only be approximate, but Beijing Shanghai housing prices from 2000 to 2014 roughly rose by about ten times. And this data does not consider the leverage of housing mortgage, so as to improve the rate of return. This amazing return data, if placed in the context of China’s total monetary growth of M2 is not surprising. Over the past decade, China’s annual growth rate of M2 is around 17.1%, which is similar to the growth of real estate prices. That is to say, using the national housing price data of the National Bureau of statistics, which is obviously underestimated, the annual compound investment return rate is 8.3%, which is comparable to that of Buffett. You know, Buffett is one of the best investors in the world, and over the past 15 years, tens of millions of ordinary homebuyers in China have been able to achieve, or even surpass, his performance. This phenomenon is very thought-provoking. The powerful role of credit expansion cycle, so that millions of ordinary Chinese defeated Buffett warren. Buffett’s performance is based on the intrinsic value created by many of Berkshire’s great companies, while ordinary Chinese investors simply buy a suite and easily go beyond Hathaway. Will the situation continue in the future? What does that mean? Bellers, the author of this paper, is a columnist for Caixin’s "beat the market" column. Engaged in the investment industry, currently in an investment management company as an adviser. Editor in chief: Guo Mingyu SF008

事实是巴菲特业绩还不如中国一个普通投资者 美股行情中心:独家提供全美股行业板块、盘前盘后、ETF、权证实时行情   【财新网】(专栏作家 贝乐斯)一个普通的中国投资者,在过去十几年超越了股神巴菲特。无数职业投资者梦寐以求的事情,却被普通的中国人轻松做到,这里面的秘密是什么呢?   在过去十几年,巴菲特的伯克希尔?哈撒韦每股净资产平均每年复合增长9.6%,每股市场价值平均每年复合增长8.6%,都超过了标普500指数 外加分红的平均每年5.3%的复合增长。在2000年投入100元钱到巴菲特的伯克希尔?哈撒韦,到2014年会变成300多元钱。   这个中国投资者不是别人,正是几百万、上千万的普通买房者。在过去十几年,中国房价的增长已经超越了巴菲特的业绩。由于无法获得准确的中国房价 数据,这里我用的是国家统计局统计的房地产企业土地购置费用除以房地产企业土地购置面积,获得了每年的房地产企业土地平均购置价格。这个数据只能是近似, 但北京上海的房价从2000年到2014年也大致上涨了十倍左右。而且这个数据并没有考虑买房按揭的杠杆作用从而提高回报率。   这个惊人的回报数据,如果放在中国货币总量M2的增长大背景下就一点不稀奇了。 过去十几年,中国M2的年复合增长率在17.1%左右,与房地产价格增长近似。   即使用明显低估的国家统计局的全国住宅均价数据,年复合投资回报率也有8.3%,与巴菲特的业绩不相上下。   要知道,巴菲特是世界上最好的投资者之一,而在过去15年的时间里,中国千百万普普通通的购房者,轻轻松松就达到,甚至远远超越了他的业绩。这 个现象非常令人深思。信用扩张周期的强大作用,让千百万普通中国人击败了股神巴菲特。巴菲特的业绩是基于伯克希尔?哈撒韦旗下众多伟大的公司所创造的内在 价值,而普通的中国投资者只不过买了一套房,就轻松超越了他。这样的情况未来还会持续吗?这意味着什么?   本文作者贝乐斯是财新网“战胜市场”专栏作家。从事投资行业,目前在某投资管理公司任顾问。 责任编辑:郭明煜 SF008相关的主题文章:

Smpforex the European Central Bank stimulus push inflation rebounded 菜刀越磨越快

SMPForex: the ECB stimulus inflation rebounded in December last year the meeting area, the European Central Bank announced to reduce the deposit rate by 10 basis points to -0.3%, to extend the debt purchase time until at least March 2017, and expanded the scope of the purchase of debt, the European Central Bank stimulus plan to promote, the euro area in January CPI rose by 0.4% initial. Specific data show that the euro zone in January CPI initial value of 0.4%, expected 0.4%, the previous value of 0.2%. Eurozone January core CPI an initial value of 1%, expected 0.9%, the former value of 0.9%, the European Central Bank launched a negative interest rate and large-scale asset purchase plan to boost prices earlier this year affected oil and food prices fell has subsided, the inflation rate has been too short to boost the prospects for the future is still poor, the current implementation of the European distance the central bank’s medium-term inflation target is still far away, in January announced that the European Central Bank to maintain the main refinancing rate, the overnight deposit rate and the overnight lending rate unchanged. According to the changes of the global economic situation since the new year, Delagi said the threat of economic recovery in the euro zone risk factors on the rise, so the European Central Bank will be re evaluated, at the March meeting on monetary policy, may make the corresponding revision, Delagi hinted that the European Central Bank is ready to expand the scale of quantitative easing, including overcoming liquidity constraints. He said that for any tool, the ECB will not confirm technical limitations, not by the size constraints. From a technical point of view, the euro on Friday after the opening of the Asia Pacific plate downward pressure, intraday fall of 1.0900 after continued to expand decline slightly from the daily view, short-term moving average Guaitou, long-term average basically go flat, MACD near the zero axis two wire bonding, Bollinger rail go flat, slightly under the rail expansion, from the upward direction, above resistance 1.0880, 1.0930, from the downward direction, below the support of 1.0780, 1.0730. SMPForex 2016-2-1 [Sina] shares into the financial discussion

SMPForex:欧央行刺激政策推动 通胀有所回升   去年区12月会议上,欧央行宣布降低存款利率10个基点至-0.3%,延长购债时间到至少2017年3月,并扩大了购债范围,受欧洲央行刺激计划推动,欧元区1月CPI初值同比增长0.4%。   具体数据显示,欧元区1月CPI同比初值0.4%,预期0.4%,前值0.2%。   欧元区1月核心CPI同比初值1.0%,预期0.9%,前值0.9%,欧洲央行推出了负利率和大规模资产购置计划来提振物价,去年早些时候油价和食品价格下跌的影响已经褪去,通胀率得到了短暂的提振,不过未来的前景依然不佳,目前距离实现欧洲央行的中期通胀目标还很遥远,   1月份欧洲央行宣布维持主要再融资利率、隔夜存款利率以及隔夜贷款利率不变。针对新年以来全球经济形势的变化,德拉吉表示,威胁欧元区经济复苏的风险因素在攀升,因此欧央行将会在3月会议上重新评估、思考货币政策,可能届时做出相应修改,德拉吉暗示欧央行准备好了扩大量化宽松规模,包括克服流动性约束。他表示,对于任何工具,欧央行将会确认没有技术上的限制,不受规模的约束。   从技术上看,欧元上周五亚太盘开盘后承压下行,盘中失守1.0900后继续扩大跌幅,从日线来看,短期均线略有拐头,中长期均线基本走平,MACD零轴附近两线粘合,布林中轨走平,下轨略有扩张,从上行方向看,上方阻力1.0880,1.0930,从下行方向看,下方支撑1.0780,1.0730.   SMPForex   2016-2-1 进入【新浪财经股吧】讨论相关的主题文章:

Five lines of compressed Internet banking mobile phone transfers free 陆婷婷的新故事

Five lines of compressed Internet banking mobile transfer free Zhang Manyou, with the rise of the third party payment platform, the traditional banking monopoly advantage in the field of payment is broken, the market share is divided. In the Internet Financial forced, accompanied by dividend policy, the traditional banks began to launch counterattack, the five state-owned banks also rarely together. In February 25th, ICBC, China Construction Bank, Agricultural Bank of China, Bank of China, Bank of communications, the five major banks signed a strengthening account management contract. From February 25th onwards, the five banks will continue to achieve transfer and remittance to waive the fee for the bank to customers through the mobile phone, and complete the classification identification of the stock account in April 1st, take the lead in promoting the five row of customer information verification, the convenience of customers opened interbank accounts and micro payment account. Previously, many banks announced free online transfers, the five major banks announced that the mobile phone transfer zero rate, so that the bank online transfer free phalanx gradually expanded. Although the transfer of free to some extent will be a pressure on the income of the intermediary business, but the rapid development of the Internet financial situation has forced the bank to open "free times"". The state-owned big firms join the free square in December 25, 2015, the central bank announced the "on the improvement of individual bank account services concerning strengthening account management" (hereinafter referred to as the "notice" "), which requires commercial banks should according to the different processing channels, develop differentiated pricing strategy, encourage banks to depositors through transfer and remittance to waive the fee a certain amount of online banking, mobile phone bank for the following. In order to promote the free policy, February 25th, workers, farmers, construction, delivery of five state-owned banks issued a joint commitment: from now on, the five banks will continue to customers through the mobile phone bank for RMB remittance transfers, free of charge; five banks also promised to customers 5000 yuan renminbi online bank remittance waiving fees, in order to reduce the cost of customers. "China Business News" reporter learned that ICBC, ABC and CCB three banks since February 25th has already started the implementation of the above free policy. Although only reduced the fee of mobile bank transfer, but Li Weiping, director of the Department of finance, told reporters that the five state-owned banks have the largest number of domestic customers, the joint free of charge, the depositors will form billions of benefits. Reporters learned from the head office, as the country’s largest Internet bank, the bank has more than 500 million e-banking customers, the Internet business oriented electronic banking business in the proportion of all business volume of more than 90%. Statistics show that in 2015, customers through ICBC mobile phone bank to complete the money transfer transactions amounted to 218 million pens, the transaction amount of nearly 5 trillion yuan. Before the cooperation between the five major state-owned banks, many banks declared free online transfers. In September 2015, China Merchants Bank announced that all online transfers were free, that is, individual customers through the merchants bank online banking, mobile banking APP for any domestic transfer business, enjoy zero rate, which has been followed by a lot of banks..

受压互联网金融 五大行手机转账免费   张漫游   随着第三方支付平台的崛起,传统银行在支付领域的垄断优势被打破,市场份额被分食。在互联网金融的倒逼下,伴随着政策红利,传统银行开始发起反攻,五大国有银行也罕见地联合起来。   2月25日,中国工商银行、中国建设银行、中国农业银行、中国银行、交通银行五大银行联合签订了加强账户管理合约。从2月25日起,这五家银行将陆续实现对客户通过手机银行办理的转账汇款业务免收手续费,并在4月1日前完成对存量账户分类标识,率先推动五行间客户信息验证,便利客户开通跨行账户和小额支付账户。   此前已有不少银行宣布线上转账免费,五大银行此次抱团宣布手机转账零费率,使得银行线上转账免费方阵逐渐扩大。尽管转账免费在一定程度上会对中间业务收入形成压力,但互联网金融快速发展态势已经倒逼银行开启“免费时代”。   国有大行加入免费方阵   2015年12月25日,央行公布《关于改进个人银行账户服务加强账户管理的通知》(以下简称“《通知》”),其中要求商业银行应针对不同的业务处理渠道,制定差异化的收费策略,鼓励银行对存款人通过网上银行、手机银行办理的一定金额以下的转账汇款业务免收手续费。   为推动免费政策,2月25日,工、农、中、建、交五家国有银行联合发出承诺:即日起,五家银行将陆续对客户通过手机银行办理的境内人民币转账、汇款业务免收手续费;五家银行同时承诺,对客户5000元以下的境内人民币网上银行转账汇款免收手续费,以降低客户的费用支出。《中国经营报》记者了解到,工行、农行和建行三家银行自2月25日起便已经开始实施了上述免费政策。   虽然只是减免了手机银行转账汇款的手续费,但工行个金部总监李卫平告诉记者,五大国有银行拥有国内最大量的客户群体,此次联合免收手续费,对储户将形成数十亿的让利。   记者从工总行了解到,作为国内最大的“互联网银行”,该行电子银行客户数已超过5亿户,以互联网业务为主的电子银行业务在全部业务量的比重超过90%。统计显示,2015年客户通过工行手机银行完成的转账汇款交易笔数达2.18亿笔,交易金额近5万亿元。   而在五大国有银行合作之前,已有不少银行宣布线上转账免费。   2015年9月,招商银行便率先宣布网上转账全免费,即个人客户通过招商银行网上银行、手机银行APP办理境内任何转账业务均享受零费率,此举得到不少银行跟进。据中国电子银行网显示,在央行发布《通知》当天,便收到20家银行发来的最新资费调整信息。据不完全统计,截至目前,全国已有70多家银行在电子渠道转账汇款方面进行了不同程度的减免。   与银行业的动态相反,在银行开启免费大餐的同时,作为第三方支付机构代表的微信支付近期提出,将要收取提现费用。自3月1日起,微信零钱提现到银行卡将会收取0.1%的手续费,最少为0.1元。具体方案为,每位用户终身享受1000元免费提现额度,超出部分按银行费率收取手续费。   “此次五大国有银行联合推出手机银行转账、汇款免手续费,是出于普惠金融的角度考虑,这个过程会给五家银行的中间收入带来一定损失。”某股份制银行零售业务部人士告诉记者。   尽管银行中间收入会有一定减少,但银行宣布手机转账免费可以把更多客户引流到线上渠道,为银行赢得更多客户,银行藉此揽客的意图明显,而且对比第三方支付机构,传统商业银行拥有客户存量和交易规模上优势,而且更具安全性。   第三方支付领域良莠不齐,使得支付领域风险升高。李卫平认为,第三方支付出现风险的一个很重要原因,就是客户信息不真实,而这也是传统银行账户的优势所在。   根据《中国支付清算行业运行报告2015》统计显示,目前完成实名认证的支付账户共有9.45亿个,占支付账户总量的43.07%,占比并不高。   此次加强账户管理签约后,五大行承诺将认真落实个人银行账户实名制要求,进一步加强客户信息安全保护,严格开户过程个人客户的身份审核,避免客户账户信息泄露。不断加强支付领域的创新和风险控制,让客户享受更便捷和安全的支付产品,有效履行银行在保护客户信息安全以及社会金融秩序方面的责任。   但某互联网金融公司人士认为,除了免收手续费方面的优势,传统银行在改进支付便利和增加客户体验方面仍有改进空间。   “随着互联网的发展,电子渠道支付规模逐步扩大,支付宝、微信支付等第三方支付机构已经成为了银行业在支付领域具有潜力的竞争对手。”上述股份制银行零售业务部人士亦担忧道,消费者已经逐渐形成了支付习惯,要争取这部分客户回归商业银行支付渠道,并不能一蹴而就。   银行账户3.0时代   李卫平认为,此次五家银行实践央行颁布的《通知》内容,一方面为了推进普惠金融、推动免费政策,另一方面为了加强账户管理。央行《通知》中要求商业银行进一步改进银行账户服务,将银行账户分为Ⅰ、Ⅱ、Ⅲ类账户。   工、农、中、建、交五家国有银行率先响应,将《通知》的内容付诸实践,并在2月25日举行的签约仪式上率先推广Ⅰ、Ⅱ、Ⅲ类账户。   中国银行副行长许罗德认为,此次五家国有银行签订合作协议,标志着中国银行账户已经进入了3.0时代。许罗德告诉本报记者,我国个人银行账户服务的三个阶段:在2003年以前是1.0时代,当时个人在银行的账户为定期和活期账户两种,支付结算在活期储蓄账户中进行;2003年以后进入了2.0时代,当年央行出台了《人民币银行结算账户管理办法》,把个人账户分成了储蓄账户和个人结算账户,个人的支付、转账通过个人结算账户实现。   在3.0时代的这三类账户中,Ⅰ类账户相当于一个全功能的银行结算账户;Ⅱ类账户可办理存款、购买投资理财产品等金融产品、办理限定金额的消费和缴费支付等,Ⅱ类账户与Ⅰ类账户最大的区别是不能存取现金、不能向非绑定账户转账;Ⅲ类账户办理小额消费和缴费支付,不得办理其他业务。其中,Ⅱ类账户和Ⅲ类账户是为了推进互联网金融的发展而设立的,这两类账户可以通过网上银行和手机银行等电子渠道提交开户申请。   在《通知》中明确了账户实名制的落实方法,即从证件有效性、申请人与证件的一致性、客户真实意愿这三个方面进行。而这三个方面,也是网络远程开户中面临的重要难题。   在落实实名制的前提下,根据规定,以后存款人在五家国有银行可以通过远程视频柜员机和智能柜员机等自助机具提交银行账户开户申请,银行工作人员现场核验身份信息的,存款人可开立Ⅰ类户;银行工作人员未现场核验身份信息的,存款人仅可开立Ⅱ类户或Ⅲ类户。   “这三类账户都可以进行支付,但我们希望引导存款人使用Ⅲ类账户进行小额支付,引导他们理性利用支付工具和账户。”李卫平给记者打了个比方,Ⅰ类账户相当于金库,Ⅲ类账户相当于钱包,当存款人没有Ⅲ类账户时,在线上支付,就相当于把个人的金库暴露给交易方,而使用Ⅲ类账户交易对存款人而言更加安全。   同时,五家银行的联合,形成了银行账户间的互联互通,在系统改造后,五家国有银行间可以实现客户银行账户信息互验,向客户提供快速、便捷的跨行在线开立账户服务,客户在五大行中任何一家银行开立的Ⅱ、Ⅲ类账户,可同时绑定五大行的多个Ⅰ类账户。   据了解,五家银行也承诺,愿意与其他有意向的商业银行机构一起,就客户跨银行账户服务开展合作。五家银行表示,相关系统目前正在改造中,在2016年4月1日前完成改造,同时将完成对存量账户分类标识。   “随着互联网金融的发展和银行业务的转型,银行账户日益成为银行创新和经营中的重要资产,成为互联网金融和零售金融的重要依托。”中国支付清算协会常务副会长蔡洪波透露道,截至2015年二季度,全国共开立个人银行结算账户达68.79亿户,他认为,如何把资源优势运用到银行中,在银行业未来的创新发展中尤为重要。   五大行线上转账免费措施一览   中国工商银行   自2016年2月25日起,客户通过工商银行手机银行、工银融e联、工银e校园等手机客户端办理人民币本行异地转账、跨行转账等业务均免收手续费。手机银行境内转账汇款免费的范围覆盖借记卡、信用卡、理财金卡、财富账户等任何介质。   中国建设银行   自2016年2月25日11:00起,免收个人客户手机银行人民币转账汇款手续费,免收个人客户通过网上银行办理的单笔5000元(含5000元)以下的人民币转账汇款手续费,转账汇款业务包括境内建行系统内转账和向其他银行的跨行转账(含加急)。   中国农业银行   自2016年2月25日15:00时起,免收个人客户掌上银行人民币转账汇款手续费,免收个人客户通过网上银行办理的单笔金额5000元以下(含5000元)人民币转账汇款手续费。   中国银行   自2016年4月1日起,个人客户通过中国银行手机银行、网上银行、家居银行办理境内人民币转账汇款业务,无论中行内汇款还是跨行汇款,无论金额大小,均可享受零手续费优惠。   交通银行   自2016年2月26日起,免收个人客户手机银行人民币转账汇款手续费,免收个人客户通过网上银行办理的单笔5000元(含)以下的人民币转账汇款手续费。转账汇款包括交通银行本行异地转账以及向境内其他银行跨行转账。相关的主题文章:

Rong Hui Finance the price hike Zhaojin material benefit 德州学院专升本

Rong Hui Finance: the price hike Zhaojin material benefit hot column capital flows thousands of thousands of stocks the latest Rating Rating diagnosis simulated trading client Sina client: the most profitable investors in Hong Kong stocks through market mechanism level2 cards recently, the global financial market turmoil, gold was thriving. Gold prices rose 12% in 2016, the best annual opening since 1980, analysts believe that if the risk aversion continues, the price of gold is expected to continue to rise. Gold mining stocks, attention to gold mining industry (01818). According to the first half of the performance calculation, the stock of gold business income accounted for more than 9, is the Hongkong gold business listed gold stocks accounted for most of the shares, the stock price is relatively close to the international gold price trend. Subject to the early decline in the price of gold, the first half of 2015 lackluster performance: net profit fell nearly 3 to 220 million yuan. Although the gold production increased by 10% to more than 530 thousand ounces, but revenue is only 2 billion 680 million yuan, down about 6%,   in addition to involvement in the price of gold fell, because the business accounted for a small part of the business income greatly reduced the effect of copper. In addition, the loss of gold lease and forward contract, as well as the provision for inventory depreciation, directly led to the decline in net profit. However, since this year, the global financial market turmoil and other factors to stimulate the risk aversion of investors is the main reason for the price of gold rose, the poor stock market performance and the depreciation of the dollar to enhance the investment demand for gold. If the demand for hedging continues in the short term, the price of gold is still going up. Short term hedging demand will still dominate the gold market, the price of gold is still rising momentum. In this case, the gold mining industry in 2016 or the possibility of fair value callback, disguised favorable to attract gold industry’s share price outlook. Comprehensive Bloomberg comprehensive brokerage forecast, company 2016, 2017 and 2018 growth in earnings per share were 3%, 21% and 60%, to a certain extent reflect the market price of gold outlook. Morgan Stanley issued technical reports to give the stock ‘overweight’ rating, the target price of 5.6 yuan, and the stock price will rise in the next 30 days the probability of 6 to 7. The line pointed out that the most favorite Chinese gold stocks to attract metals, because of its growth in production can be foreseen, the cost control is also positive. Enter Sina Financial shares] discussion 融慧财经:金价飚升招金矿业料受惠 热点栏目 资金流向 千股千评 个股诊断 最新评级 模拟交易 客户端 新浪财经客户端:最赚钱的投资者都在用 港股level2行情 翻看机构底牌   近期,环球金融市场动荡,黄金表现一枝独秀。金价2016年上涨12%,创出1980年以来最佳年度开局,分析认为,避险情绪若持续,金价有望续涨。金矿股中,可留意招金矿业(01818)。   按半年业绩计算,该股黄金业务收入占比达9成以上,是香港上市黄金股中黄金业务占比最重的股份,因而股价亦相对地贴近国际金价走势。受制于前期金价的下跌,公司2015年上半年业绩乏善可陈:净利润下跌近3成至2.2亿元人民币。虽然黄金产量上升一成至超过53万盎斯,但实现收入仅为26.8亿元人民币,同比跌约6%, 除受累于黄金价格同比下跌,亦因为占业务小部分的铜业务收入大减所影响。此外,黄金租赁及远期合约平仓带来的损失,以及计提存货跌价准备,均直接导致公司净利润下跌。   不过,今年以来,全球金融市场动荡等因素刺激投资者避险情绪是金价大涨的主要原因,股市表现不佳以及美元贬值提升了对黄金的投资需求。若短期内避险需求持续,金价仍有上涨动力。短期内避险需求仍将主导黄金市场,金价仍有上涨动力。在此情况下,招金矿业在2016年或出现公允值回拨的可能,变相利好招金矿业的股价前景。   综合彭博综合券商预测,公司2016、2017及2018年的每股盈利增长分别为3%、21%及60%,某程度反映市场对金价前景的看法。摩根士丹利发表技术报告,给予该股‘增持’评级,目标价看5.6元,并料该股股价未来30日上升概率有6至7成。该行指出,招金属他们最喜爱的中资黄金股,因其产量增长可以预见,成本控制方面亦属正面。 进入【新浪财经股吧】讨论相关的主题文章: