sgusers4的部落格

到美國迪士尼樂園遊玩是很多人的夢幻之旅，self storage若能長居於樂園更能天天置身童話世界。美國迪士尼在佛州比尤納維斯塔湖的「黃金橡」（Golden Oak）社區，出售數百間永久住宅，讓米奇成為生活的一部份。安坐家中睇煙花「黃金橡」由迪士尼興建，是全球唯一毗鄰迪士尼主題公園的住宅區，安坐家中就可眺望迪士尼世界灰姑娘城堡兼煙花匯演。樂園與「黃金橡」有免費接駁交通，神奇王國及未來世界等園區會為住客延長開放，只要持通行證，一家大細隨時可以到樂園玩迷利倉夠，四季度假村（Four Seasons resort）明年夏季開放後，水療設施與晚宴場地將會是住客會所的一部份。服務如此貼心，收費當然驚人。「黃金橡」房屋售價由170萬至700萬美元（1,326萬至5,460萬港元）不等，另要支付房產稅，及每年高達1.2萬美元（9.36萬港元）的管理費與雜費。另外屋主不得擅自改裝家居，大門與排水溝等結構都要按指定物料打造。「黃金橡」450幢房屋，開售兩年半以來已售出100間。美國《華爾街日報》迷你倉

iPhone 5s加入指紋辨識，self storage�住兩秒就可開機，人人覺得好hi-tech。 其實作為生物特徵（biometric）技術，指紋只屬入門級，靠掌紋、臉形、心電圖，甚至骨骼密度，準確度會更高；未來無論開鎖定開車，都會依靠這類「身份象徵」。 想像一下，要用心跳特徵開車門，偵測到骨骼形狀吻合先可以撻�引擎，先至真正似科幻片情節。手掌代指 講到生物特徵，並非一味得外國研究，查實香港理工大學早於98年成立「人體生物特徵識別研究中心」，研究不同技術的準確度。中心成員之一、電子計算學系助理教授張磊表示，目前已研發出準確度極高的生物特徵，「iPhone 5s用指紋鎖，優點係成本低，掃描器只需百幾蚊，不過準確度低，例如手指甩皮或者𠝹花，就未必認到；而且亦太容易俾人假冒，套個印住其他人指紋�膠套上手指，都有機會過關，從保安角度講，指紋唔係理想�生物特徵。」 經過十多年反覆研究，張磊認為掌紋先最有效，「手掌紋理人人唔同，而且更複雜，上面每條線�走向同埋分支，可以提供大量特徵俾電腦分辨身份，準確好多；最重要係套取其他人指紋�難度唔高，但要套成隻掌紋，可行性較低。」他說最新科技更會在鏡頭前加裝近紅外線發射器，要偵測埋手掌皮膚下是否有血液流動，以杜絕用假掌紋或切下手掌來騙過認證的可能性。 辨認關節 既然掌紋夠精準，應該可以廣泛應用，不過張磊話要先解決兩個問題，「每部掃描器成本至少過千，同埋始終要掃描整隻手掌，掃描器�體積難以縮細，要放落手機等手提裝置，好難！」兩年前，張磊轉為研究指關節紋，經實驗證明，辨識率與指紋不相伯仲，而且關節位並非平面，偷套完整關節紋更難，可以完全杜絕被人套取的可能性，「掃描器�成本低，只須配備webcam質素�相機，已足夠拍低關節紋理供電腦識別，容易普及應用；暫時外國冇相關研究，同特區政府商討緊，希望未來可以用�辨識身份。」香港應用科技研究院亦有研發以手指關節位代替指紋識別，仲開發埋檔案加密app，企業與消費電子群組總監雷志斌博士話，「只要影張相做對比就得，手機唔使裝指紋掃描器，成本可以更加平。」 黑客破解 iPhone 5s開售僅兩日，德國黑客權威Chaos Computer Club已經成功將指紋鎖破解，方法是跟蹤機主，一旦機主在玻璃、門鎖等光滑表面殘留指紋，就用化學物將指紋顯現，用相機拍低，再傳到雷射打印機印落膠片，加入甘油令膠片軟化成為薄膜，再向薄膜呼氣令表面保持濕潤，按上指紋鎖竟然成功瞞天過海。另外，亦有網民爆料指之前有日本人利用含明膠（gelatine）的熊仔軟糖印下指紋，曾騙過其他指紋系統，理論上要解iPhone 5s的指紋鎖，亦可照辦煮碗。 讀心術 手掌辨識夠準，但識別器體積頗大，流動性有限。加拿大有科研人員發明Nymi手帶，戴好後用手指按實兩秒，就可檢測心電圖的跳動模式，從而辨別佩戴人士的身份。 心跳開機 用心跳識別身份？原來有理論根據，早在1964年，已經有科學家發現每個人的心跳模式有獨特性，後來更從研究心電圖中，綜合出五種波形（分別命名為P、Q、R、S及T波形），證實每個人出現五種波形的頻率及長短均不同。Nymi手帶就利用此特性，靠內置心電感應晶片記低用家的心跳模式，日後用Nymi為手機、notebook或機頂盒解鎖時，就可先檢測是否手帶的主人，預計下年推出（約售$610）。 定時更新 不過，Nymi設計師Karl Martin亦有貼士提醒大家，「解鎖時盡量要維持心境平靜，做完運動可能心跳太激動，系統未必認到。同埋最好每隔幾年更新一次心跳，以防心跳模式隨年齡改變。」 專家話：變數太多 確進醫療中心心臟科專科醫生梁達智指出，心電圖的確有其獨特性，但易受外來環境影響，「做運動、溫度、體內電解質濃度、服藥，或者患上心臟疾病，都有機會令心電圖改變，手帶未必認得到你。」梁醫生更指出，每個人的心電圖分別好細，「手帶要檢測到極微細�分別，先可以區分到身份，但我睇完手帶網頁，冇詳細講到背後機制，好難知有幾準確。」 Smart Car 除了手機、電腦等gadgets可以用生物認證來解鎖，九月於日本尖端科技展（CEATEC 2013•Combined Exhibition of Advanced Technologies）之中，PIONEER亦展出了一套以人面辨識啟動的smart car系統。當駕駛者坐入車廂，系統就自動以多角度辨識駕駛者樣貌，利用眼睛、眼紋等獨有的特徵去判斷是否車主，之後先可以成功撻車。不過，系統暫時仍處於測試階段，未知幾時投產。 認樣識年齡 利用心跳頻率識別身份，聽落夠fun，不過，論準確程度同流動性，始終都是人面辨識較為成熟。針對人面辨識的漏洞，研究員已研發出多種對拆招數，提升識別準確度，甚至能夠測出真實年齡。 面具過境 不少特務電影中，主角只要戴上面具，就可以破解到人面辨識系統。但勢估不到，電影情節竟在現實中發生！2010年就有一名20歲內地青年，戴�老人面具，成功瞞過內地海關的人面辨識系統來港，再經香港坐飛機到加拿大，因在飛機變回真身先被人識破。不過，香港保安系統公司盈泰安的系統開發經理Martin話，今時今日要用相同招數，難度極高，「近呢兩年，唔少國家�海關都引入新�人面辨識系統，真、假面一照就無所遁形。」Martin話以往的人面辨識系統，只是將webcam拍低的人面進行分析，計算雙眼和鼻尖的「黃金三角」距離，記錄額頭、下巴及耳輪等位置的特徵來進行識別。不過，「盲點」是採用單鏡頭設計，影像只屬「二次元」，即系統只認得出平面特徵，「誇張�講，影張平面相，都有機會破解到。」因此，現在羅湖口岸閘口的人面辨識系統，就已經更新為雙鏡頭設計，利用視覺差距影出立體影像，「原理同影3D相一樣迷你倉利用兩個鏡頭，拍出立體影像去認證。」 檢測年齡 除採用雙鏡頭設計，仲加入紅外線鏡頭，檢測埋人體溫度，確保以真臉示人，「若戴住面具，皮膚表面溫度就會過低，增加破解難度。」通過紅外線反射，Martin話甚至可以憑皮膚的光滑程度等數據，從而分析出性別年齡，「新系統設有自我學習功能，重複使用下，智能系統會按每張臉�年齡性別分類，當識別時，就會同資料庫進行配對，分析出對方�實際年齡。」新功能甚至令系統跳出門鎖框框，「好多人都以為人面辨識只適用作門鎖，但其實可以有好多實際用途，例如�緊會同廣告公司合作，�廣告牌加入人面辨識器，檢測邊個年齡層人士對廣告有反應，調整市場策略。」 生活應用 指紋辨認成功靠iPhone 5s彈起，但其實生物認證技術並非新事物，不少已融入日常生活當中，為用家提供快捷方便的服務。 靠樣俾錢 用信用卡俾錢，要在賬單上簽名確認。芬蘭公司Uniqul就成功將人面辨識技術同支付系統結合，埋單時望住收銀機上面的鏡頭，系統就會自動掃描面部輪廓，再同數據庫的資料配對，完成後屏幕就會顯示個人資料，再確認即可付款。聽落好複雜，但整個過程只需五秒，而且開發公司話系統準確度甚至連雙胞胎都分辨得到，現時已經在芬蘭首都赫爾辛基進行測試。 智能手槍 美國每年都發生兒童偷父母槍械的槍擊案，要避免同類案件發生，可參考具備生物辨識功能的智能槍。外形同一般槍械無分別，不過在槍柄位加入感應器偵測持槍者手掌大小、溫度等資料，如果與槍主數據不符就無法開槍。 自動轉模 其他手機品牌開始跟iPhone出指紋手機，不過只局限保安功能，吸引力有限。日本Fujitsu就改推指紋辨識tablet ARROWS Tab FJT21，保安功能只屬其次，最大作用是分辨不同使用者，從而匯入各人的自定模式，例如小朋友用就轉成兒童模式，大人用就變做普通模式，一家大細共用一部tablet，都不怕睇到對方私隱。 指紋咖啡機 不少咖啡機都有記憶功能，幫手記低不同家庭成員口味。Philips Saeco Xelsis HD8946不單只有記憶功能，更加入指紋辨識系統，只要預先設定好各人的指紋及飲用喜好，每朝放隻手指上指紋感應器，立即沖到杯�口味的咖啡，毋須再�掣。售價：$26,888網址：.philips.com.hk 自動優惠 去行街最想有「電視框」，不過等接傳單、上網下載優惠券，費時失事。美國有不少酒吧及商店開始用人面辨識技術的Facedeals系統，只要顧客進入商店，就會被店門的Facedeals相機影低，然後自動同人面資料庫進行配對及核對身份，完成後除了自動幫你於Facebook打卡外，亦即時發送優惠短訊，而且會因應過往Like數，提供不同優惠。 認人薦劇 雖然Android 4.0的人面解鎖功能少人用，不過Google最新推出的Google TV 3.0系統就加入人面辨識系統，只要配合電視上的相機及內置記憶功能，就能記住不同用家睇電視的喜好，當下次開啟電視，會自動推薦適合的節目，毋須任何動作或語音指令，更加方便。 指紋夾萬 傳統夾萬要記密碼都幾麻煩，可以考慮�度身訂造一個指紋辨識夾萬，特別之處是除了會自行配對用家的指紋，仲會同時檢測手指的血液流動同脈搏，經三重認證後先解到鎖。據聞Tom Cruise在家中都有一個指紋夾萬，用作放置名錶之用。Chronos STP價錢：約$75萬起（視乎物料及體積而定）網址：.manton.com.hk facebook 只要在Facebook以「NEXT 3.0」為關鍵詞搜尋，或以手機的「QR code」app掃描，就可以睇到更多新聞同產品情報。 全身升呢 身體不少部分都有機會用來做生物特徵，可惜準確度各有不同。近年科學界不停搵辦法升呢，辨識時搜集更多數據，務求增加準確度。 特徵入戲 講到最新的生物辨識技術，好多人只會通過荷李活的特務、科幻片接觸得到，但當中不少得啖笑，現實生活照用的話，肯定烏龍百出。 五百年後（THX 1138）上映時間：1971年用乜裝置：佐治魯卡斯未拍星戰，已經鍾情於科幻片，年輕時拍的《THX 1138》講未來所有人被監控，搜集心跳、血型、掌紋等生物特徵，以確認身份。現實中政府未致於全面搜集，極其量只是出入境時靠指紋及人面核實身份。 鐵金剛勇破鑽石黨（Diamonds Are Forever）上映時間：1971年用乜裝置：講科技，每套占士邦電影都有好多天馬行空的gadgets，早在第七套007電影，已出現手提指紋掃描器，占士邦更用假指紋套瞞過對方。當年確實過到骨，但今時今日，呢招已經過時。 星空奇遇記II：大汗的憤怒（Star Trek II: The Wrath of Khan）上映時間：1982年用乜裝置：太空船配備虹膜檢測裝置，厲害到毋須行近，離遠已經可以掃描到。現實是現時仍未有掃描器有此功能，電影中裝置果然有「未來feel」。 回到未來II（Back to the Future II）上映時間：1989年用乜裝置：數科技經典，點少得回到未來系列，當時已經諗到要用指紋開屋企門鎖，而家不少屋企用緊，有遠見！ 特警判官（Judge Dredd）上映時間：1995年用乜裝置：套戲講2139年未來警察會用勁多生物特徵科技，掌紋、指紋、聲音辨識樣樣用齊，子彈亦有DNA資料在內，符合特徵先准發射。如果手槍應用到這項技術，美國槍擊案應該少好多。 未來報告（Minority Report）上映時間：2002年用乜裝置：用得最多虹膜檢測裝置的電影，一定要數《未來報告》，全個城市都裝有虹膜掃描器，神通廣大到可以隨時搜查罪犯位置。現實世界亦有天眼裝置，用閉路電視監察罪案，仲可以靠人面辨識搵可疑人物，叫做跟到電影情節。mini storage

Source: Times Union, Albany, N.迷你倉Y.Nov. 13--Our opinion: A New York reporter's battle with Colorado over confidential sources underscores the need for at least a national baseline set of protections.When Jana Winter, a New York City-based reporter for Fox News, was dispatched to Colorado in July 2012, her assignment was to report about the massacre in a movie theater in a Denver suburb that left 12 dead and 70 injured.Ms. Winter broke a important news story when she disclosed the existence of a notebook allegedly kept by James Holmes, the admitted gunman who has since pleaded not guilty by reason of insanity. Citing two unidentified law enforcement sources, she reported that, prior to the attack, Mr. Holmes had sent his notes, including details of the planned massacre, to one of his university's psychiatrists.Now, for her contribution to the public's understanding of this horrific crime, Ms. Winter could go to jail. Her dilemma underscores the need for Congress to act on nationwide protections for journalists who exercise an essential constitutional right.Identifying where information comes from is the preferred practice in journalism, but sometimes sources fear reprisal or for some other reason need to stay hidden. In those cases, reporters can get news citizens need only by withholding an identity, as Ms. Winter did. Mr. Holmes' lawyers, in an effort to discredit police in the case, want the court to compel Ms. Winter to reveal her sources.Ms. Winter is turning to New York's shield law, regarded as the strongest in the nation, to protect her from having to identify her sources. Colorado has a自存倉shield law, too, and her case will certainly be a test for that if New York's Court of Appeals, where the case was argued Tuesday, rules that she is subject to the Colorado statute.Beyond this case, the essential press practice of protecting sources is constantly under fire. Earlier this year, the Department of Justice secretly obtained Associated Press phone records, and now it is trying to force New York Times reporter James Risen to testify about his sources in the trial of a former CIA officer.In support of Ms. Winter, National Press Club President Angela Greiling Keane summed up the stakes: "If anonymous sources believe their identities can be dredged up in court, they will be less likely to disclose to the press information of vital public importance. That's not a risk worth increasing."A national shield law, long sought by news organizations, would help. In September, the Senate Judiciary Committee approved a new version of the proposal. Pushed by Sens. Chuck Schumer, D-N.Y., and Lindsey Graham, R-S.C., the Free Flow of Information Act of 2013 has drawn strong bipartisan support. The bill seeks to balance national security interests with freedom of the press.It's not a perfect bill -- some who work in digital media, such as independent bloggers, would not be automatically protected -- but it is a good start. It needs to become law not just to protect the Jana Winters of the world, but the preserve the public's precious right to know.Copyright: ___ (c)2013 Times Union (Albany, N.Y.) Visit the Times Union (Albany, N.Y.) at .timesunion.com Distributed by MCT Information Services迷你倉

香港文匯報訊（記者 孔雯瓊 上海報道）本月，儲存Malca-Amit Global旗下一個可容納2000噸黃金的金庫將落戶上海自由貿易區，其容量相當於今年中國黃金預估消費量的2倍。　據悉，Malca-Amit Global總部位於香港，在香港和新加坡各擁有容量1000噸的金庫，此次落戶上海自貿區的金庫將是公司最大的金庫。按照世界黃金協會預計，2013年中國黃金需求量將達迷你倉000噸，該金庫的容量將達上述需求的2倍。　此外，該公司還在紐約、蘇黎世、日內瓦、倫敦和曼谷等地也設有金庫。以當前金價計算，該金庫儲藏的黃金市值可達約825億美元。　Malca-Amit貴金屬經理Joshua Rotbart表示，中國還將進口更多的黃金。金庫建在上海自貿區內，可被用作交易中心，外資銀行和本地銀行可自由交易，節省時間和成本。目前已有外資銀行和公司在洽談中。self storage

陳建華昨會見香港創興銀行副主席兼董事總經理廖烈智南方日報訊 （記者/張西陸 通訊員/穗府信）昨日上午，文件倉廣州市長陳建華會見了香港創興銀行副主席兼董事總經理廖烈智一行，雙方就廣州越秀集團與香港創興銀行的合作，以及穗港金融服務業發展等話題進行了交談。陳建華表示，作為廣州的重要投資者，香港在項目、資金、技術、人才、市場等方面給予廣州很大的幫助。此次廣州越秀集團與香港創興銀行的合作，是穗港兩地在金融服務業方面開展的高層次戰略合作。廣州市政府將一如既往地支持香港企業家到廣州投資發展，做大、做強、做優。廖烈智感謝廣州市政府對合作項目的支持，表示創興銀行將積極配存倉項目開展，並希望今後有更多的合作機會，實現互利共贏。筆者瞭解到，越秀集團此前已宣佈向創興銀行全體股東提出部分要約收購，收購最多不超過75%的股份。此次廣州越秀集團與香港創興銀行的合作項目將成為改革開放以來廣州市最大的境外並購案。同時，這也是首個地方國企在港並購銀行。目前，以十八屆三中全會為起點的第三輪金融體制改革正式開�，金融業發展面臨重要戰略機遇。廣州坐擁CEPA先行先試的政策優勢，金融業發展空間巨大。按《廣州市金融業發展“十二五”規劃》，到2015年，廣州金融業增加值占地區生產總值的比重達到8%以上。在此背景下，此次並購對廣州具有多重戰略意義。儲存

自存倉 cqcbepaper.cqnews.net/cqcb/html/2013-11/14/content_1693042.htm...如果有一份工作，不僅能品評全世界各大產區的葡萄酒，而且還能順帶環球旅遊，是不是足夠吸引熱愛葡萄酒又熱愛生活的你呢? 美女彭雲...迷你倉

信息來源於四川新聞網 / Cited from .newssc.org/　　　　“我們正準備去三亞看房子，mini storage幸好你們在成都就把活動搞了，省得我們飛來飛去好麻煩。”“太好了，一下子就來這麼多海南的樓盤，在家門口就把海南樓市的情況全部瞭解了。”……上周，“錦江連大海”2013年成都首屆金秋房展暨西部首屆旅遊地產展銷會的新聞見報後，很多省內二級城市購房者打進熱線，紛紛表示濃厚興趣。　　每年到海南買房的二級城市的購房者都呈上升趨勢。“把海南的項目請來，這為購房者辦了一件大實事。”不少二級城市的購房者表示，由於對海南樓市不了解，以前碰到過買房糾紛，這次有華西都市報房產部的專業記者一同陪同買房儲存不僅有買房指導推薦，還有現場優惠，比自己單槍匹馬去海南買劃算多了。　　“在日均人流量30萬的春熙路推介海南項目，在成都享受海南的陽光。”據活動主辦方負責人介紹，此次金秋房展會，來自海南和成都的優質參展樓盤將推出上百套特價房源，更有年度最高優惠房源推出。凡在現場交納預訂金客戶，均享受2000元抵扣房款5000元 ，5000元抵扣房款10000元等不同程度的特別優惠。同時，購買海南項目，現場交納預訂金，均可前往海南免費看項目及旅遊。如果購房，則有免費兩人往返機票及三天兩夜吃住可以享受。除了海南優質項目外，還有很多成都本土品質樓盤也積極報名參加,拿出了年度最大優惠。 華西都市報記者符小曉迷你倉

Experts share their understanding of the communique released on Tuesday after the Third Plenary Session of the 18th Communist Party of China Central Committee, which offers an all-round blueprint of nation’s reform in the next decade.mini storageNonpublic sectorChina’s basic economic system depends on public ownership as its main element but allows for various ownership models. Both public and nonpublic ownership are important components.The communique shows that the leadership’s policy on the non-public sector, especially on the small and medium-sized enterprises, is consistent.This sends a positive signal to private investors.Now the thing is to turn words into action. Although the government had promised to support the private sector, initiatives were not carried out well because of institutional barriers.As a recent judicial document has called for equal treatment of public and nonpublic sectors, it is likely that other institutional barriers will be broken.The private sector may be allowed to invest in State-owned assets and monopoly industries and to acquire resources on an equal basis as other investors.Such changes will be difficult and gradual, since the central government has to deal with interest groups.But despite the difficulties, the change is necessary at a time when maintaining employment is crucial. Small and medium-sized enterprises provide more than 85 percent of employment.Market roleA unified, open market with orderly competition is needed to let the market play a decisive role in resource allocation.Reform in this regard is to address three major obstacles for building a unified and open market.First, China’s industrial policy leans toward certain industries selected by the government that receive favorable treatment. But this is not in line with the goal of building a “competitive” and “equitable” market. Reform is expected to reduce and eliminate the government’s micro-level maneuvering in the economy.Second, despite progress in the past decade, China’s market is still heavily fragmented by different industries and local governments. For example, before the current Ministry of Transport was reorganized, the logistics industry was divided by railways, roads, waterways and aviation, each administrated by different agencies. Local protectionism is widespread. For example, local governments insist on using local equipment and transportation vehicles. All these factors hindered a unified national market.Third, industries often face excessive administrative charges and fines because of irregularities in government supervision.Government roleGovernment functions must be transformed in a down-to-earth manner to establish a law-based and service-oriented government. China needs to deepen reforms of the administrative system and innovate administrative methods.The restructuring of the administrative system is a major part of political reform.I think the effective government management mentioned in the communique requires the government to transform its function to maintain social justice, and provide a better environment and public services.Previously, many people complained that it was difficulty to obtain government services. Now people can solve their problems and get more comprehensive services in an administrative service center under many local governments. I think it’s an innovation of administrative management and can boost government credibility.All in all, the key task of the administrative reform, I think, is to have statutory power for responsibility and procedure. The government should know more clearly about what it is doing, what it should do, and how it can do it.Modernizing governance is the goal of the reform, and I feel that the government has moved toward modern public administration from traditional management.Fiscal reformReform in the fiscal and tax field, which was seen as a pillar in running the country, will focus on improving legislation, fairness and efficiency, and stabilizing the tax burden, to build a modern fiscal system.Public finance plays a fundamental role in the country’s governance, which was never before given so much importance. Fiscal reform will play a key role in ensuring efficiency and fairness.Also mentioned for the first time in the communique was that the tax burden will stabilize, meaning that the growth in fiscal revenue will be in line with economic growth, rather than the previous thinking of “the more the better”.But this doesn’t necessarily mean that the tax reforms, which are already in progress, will be suspended or delayed.The reform to replace business taxes with value-added taxes to avoid duplicated taxation and ease the tax burden will continue, while environmental and resource taxes will be the major factor in the next round of tax reform.Last but not least, the communique called for matching fiscal revenue and expenditure, which was designed to ease the excessive liabilities on the shoulders of local governments. In the future, the central government will shoulder more expenditure.Urban-rural issueFarmers should have more proprietary rights. Rural and urban matters should be exchanged equally. A unified market should be established for construction land in both urban and rural areas.To build a unified market for construction land in the city and countryside, the government must allow rural collective land to enter the market.There are many strict restrictions that prevent farmers from trading their contracted land, construction land and houses, which are important sources of property income.Some places in Zhejiang and Guangdong provinces have piloted this reform for years. It is time to learn from these pilot programs and remove the institutional barriers hindering reform nationwide.There should be equal treatment, in terms of property rights and land prices, for construction land in the city and in the countryside. Only a fair and equal market can guarantee the free transfer of land. The government should give farmers the power to sell, mortgage and rent their land and houses.Allowing construction land in rural areas to enter the land transfer market is a necessary trend for China. But the authorities must first confirm those with property rights and set up a reasonable profit distribution mechanism.Opening-upNew policies will apply both to domestic and international fronts. China will lower the investment threshold, step up the development of free trade zones and increase opening-up of inland, coastal and border areas.E xpanding the scope, and quickening the pace, of opening-up is stressed, which means the Chinese economy will be increasingly integrated with the world economy.During the initial years of the opening-up process, our awareness of international rules was weak, but our opening-up efforts came into line with global rules since China joined the World Trade Organization.However, our opening-up at that time was selective, which meant we largely opened up sectors in which China enjoyed comparative advantages. For those industries where our advantages were poor, such as the trade in services, we tended to be conservative in opening up and retained the monopoly of State-owned enterprises in some sectors.The plenary meeting charts a new path, which means State monopolies will be limited and access to foreign investors will be broadened.A new opening-up system will be established based on the example of the Shanghai Free Trade Zone. The effort is to establish a totally free trade system by loosening entry controls. The essence of the effort is to allow all qualified companies to enter the market.DemocracyGreater significance will be attached to perfecting socialist democracy and enriching democratic functions. Democracy at the grassroots level should be expanded.The communique’s aim is to improve socialist democracy by expanding democracy at the grassroots level.Promoting democracy at the grassroots level can be achieved with direct elections of local lawmakers. The public now can only directly elect lawmakers at the county or district levels, while lawmakers from higher-level congresses are elected by lower-level congresses. Direct elections for higher-level lawmakers may be carried out as pilot programs in small cities.This is one way that the National People’s Congress system can be improved and advanced.Secondly, improving the autonomy of both villager and urban neighborhood committees is a feasible way to advance socialist democracy.Some laws used by village and urban committees need to be revised because they are outdated. By improving autonomy at the grassroots level, an awareness of democracy among the public can be nurtured.Judicial reformEndeavors should be made to uphold the Constitution and laws, deepen reforms in administrative law enforcement, ensure independence and fairness in prosecuting bodies and courts, and improve jself storagedicial practice.Judicial independence is the key to ensuring justice.Disputes need to be handled by rule of law, which means that if justice is not ensured, many problems cannot be solved. New conflicts will flare as well.To ensure independence, local governments must be required not to interfere with legal organs, while judicial departments should be daring enough to say “no” to intervention.In other words, removing administrative elements from legal authorities is crucial for the achievement of judicial independence.As legal professionals, we have reached a consensus that jurisdiction can be free from administrative influence. And there have been successful examples of bodies remaining independent of the influence of local governments, as with the branches of the People’s Bank of China.Some legal professionals have suggested that all local courts should be under the administration of the top court. But I think it’s more realistic to bring local courts directly under the management of their upper-level courts.Anti-corruptionA scientific and effective mechanism should be established to curb and coordinate power. The anti-corruption system should be renovated and improved. Power should be reined in with regulations and supervised by the people.The communique does not put forward detailed new measures on anti-graft, and I believe the current measures on anti-corruption, such as dispatching inspection teams to government agencies, are going to be continued.The government’s power is not likely to be highly concentrated, as some experts suggested it would be. Instead, the power will continue to be diluted since this is a requirement of modern administration as well as the demand of the people.The anti-graft authorities might explore more effective measures, including asset declarations by government officials, under the current framework of power.China has many anti-graft agencies, including the Party’s disciplinary department, the government’s supervision authority and the procuratorate’s anti-graft bureau. The watchdog authorities should be coordinated to make them more effective. The government should also move forward in disclosing information and boosting transparency.Culture industryThe cultural management system should be improved to build and perfect the contemporary cultural market, establish a public cultural service system and raise the level of openness.The reform of the cultural management system has been ongoing since 2003, with the main aim to let the market play its role in the culture industry, and let the government focus on public cultural service.In the past decade, work has been done to transform many State-owned cultural institutions into businesses.The government has basically established a public cultural service system and a contemporary cultural market.I would interpret the part related to the culture industry of the communique as setting a higher standard for the quality of the ongoing reform. We can expect that the market will play a more important role in the culture industry.In the previous seven third plenary sessions of the Central Committee since 1978, the communique has mentioned a focus on economic development five times and twice mentioned agricultural reform. This is the first time it has raised culture to the same level as economic development.Social affairsChina will speed up the reform of social affairs including education, social insurance and the medical sector. The nation will work hard to build a reasonable and well-organized income distribution system.During the past 35 years, some Chinese got rich thanks to reform and opening-up, but common affluence has not been achieved. The wealth gap is widening at a worrying speed as a small number of people have a vast majority of the wealth. Meanwhile, middle-income earners are burdened by soaring housing prices.The government should show more courage and determination to limit the pay of executives in State-owned enterprises and take concrete measures to facilitate collective bargaining for workers to seek decent pay and pay raises.To make social welfare fairer and more sustainable, more detailed policy packages are needed with special efforts to boost the welfare coverage of China’s 260 million migrant workers.As the population is aging while the size of families is shrinking, the government should increase investment in pension programs to make sure low-income workers can receive sufficient pensions in their later years.Social governanceTo improve social governance, it is vital to stimulate the power of social organizations and come up with innovative and effective measures to prevent and solve social conflict.The communique uses the concept of “social governance” to replace “social administration”, which sends a clear signal that the government will not be the sole actor in managing social affairs. In other words, social organizations are welcome to play a role.Social organizations in China refer to nongovernmental organizations and mass organizations such as the All-China Women’s Federation. This also follows the global trend of encouraging multiple actors and cooperation to better solve social conflicts and tensions.The 18th National Congress of the CPC held last year recognized the role of social organizations as service providers to meet the public’s diverse needs. The third plenary session has called for expanding the space in which social organizations can grow.Authorities should further think about how to facilitate social organizations as mediators amid the growing number of petitions and mass incidents.EcologyA comprehensive system for ecological progress that protects the environment will be established. A compensation system for the use of resources and a system of ecological compensation will be implemented.Environmental protection is among the Party’s top priorities and the meeting lays out a comprehensive blueprint for the building of an ecological civilization. Top policymakers have pledged to reform the current environmental protection system and establish an integrated mechanism that monitors all pollutants.Reform of the environmental protection system is one of the major parts of China’s economic transformation and a precondition for low-carbon development. It is central to solving the environmental hazards that harm the public’s health.We must strive to safeguard the indivisibility, diversity and sustainability of our ecological circle and enhance the integration and effectiveness of supervision efforts.Reform of environmental protection systems requires comprehensive, sophisticated and systematic efforts.Military reformThe Party will strive to clear obstacles for the development of national defense and the army. The goal is to build an army that obeys the Party’s command, is capable of winning battles and has a sound work style.The core idea of China’s military reforms is to break the traditional divisions and integrate the different army branches together.The traditional system, which commands the armies based on different branches, is ineffective, and a joint operation office is required to improve the army’s combat capability.Civil-military integration, a major part of the military reforms, can boost the development of China’s military technology with the help of various sectors of society, instead of simply relying on military factories.On the other hand, the integration will also require local governments to adopt military standards in building bridges and roads to guarantee the smooth transportation of armed forces.Moreover, civil-military integration also aims to improve the quality of soldiers.The military has already improved preferential policies to attract more elite candidates, especially from top universities such as Tsinghua University.Lead reform teamIt is important to strengthen and improve the leadership of the CPC while deepening reform. A central leading group will be set up to design and coordinate reform and to supervise the implementation of plans.After 35 years of reform and opening-up, the easy tasks have been accomplished, but what’s left is the “hard bone”.It is becoming more difficult to implement reforms and the requirements for systematic and integrated work are getting tougher.Under these circumstances, it is necessary for the CPC Central Committee to establish a team to take the lead in making sure reforms are carried out across all sectors.The lead group should be responsible for the chief reforms.There have been similar reform groups in China. The lead group, rolling out reforms in politics, economy, society, culture and ecology, is expected to have stronger coordinating powers than previous institutions.Since the new leadership has repeatedly emphasized streamlining government structure, the lead group will be merged with the Central Finance and Economy Leading Group.迷你倉

南都訊 記者伊曉霞 實習生劉勁 廣州市民曾先生在不知情的狀況下，迷你倉信用記錄里出現一筆呆賬，導致他近三年跑遍各家銀行都辦不到一張信用卡。交行廣東分行有關人士昨日做客廣東民聲熱線時提醒，10月28日起，廣東居民可上網免費查詢個人信用檔案，居民應盡早查詢掌握自己的信用記錄。從未用過的美元賬戶有呆賬記錄 在廣州做物流和貿易的曾先生，2007年申請了一張雙幣信用卡。由於首次使用信用卡，不了解情況，出現逾期還款的情況。2010年，曾先生認為信用卡額度低、用處不大，就繳清了該卡的所有欠款並注銷了賬戶。想不到接下來幾年來他再想申請信用卡，均被銀行拒絕，並被告知他已上了銀行黑名單。後來又銀行提示他“是不是信用記錄有問題”時，他才在今年去人民銀行查詢了個人信用檔案。不查不知道，原來他那張2010年已銷戶的信用卡美元賬戶竟有呆賬記錄。曾先生很驚訝，因為該信用卡美元賬戶他從未使用，但賬戶內的呆賬記錄導致他近幾年來不僅辦不到信用卡，甚至連做生意用的商業貸款也申請不到。個人信用記錄五儲存倉清一次交行太平洋卡中心首席客服表示，目前一些境內網站，包括網上支付等其實都涉及到外幣支付，但持卡人並不知情。另外也可能存在盜刷情況。一旦市民信用檔案出現並非本人造成的不良記錄怎麼辦？該首席客服表示，個人徵信系統是央行建立的，商業銀行無權更改記錄。如查詢者發現信用卡被盜刷，應第一時間報警然後再與事件相關銀行聯繫，通過一定渠道上報央行。根據相關規定，信用報告記錄會存檔五年，五年後舊記錄會被覆蓋。另外，當商業銀行想查詢客戶信用檔案時，須經過其本人授權。比如銀行在審核是否可以為客戶開辦信用卡或提供貸款時，應該有相應條款要求申請人授權銀行查詢其信用記錄，如果客戶不同意，則銀行無權調看個人信用記錄。一旦市民信用檔案出現並非本人造成的不良記錄怎麼辦？個人徵信系統是央行建立的，商業銀行無權更改記錄。如查詢者發現信用卡被盜刷，應第一時間報警然後再與事件相關銀行聯繫，通過一定渠道上報央行。據相關規定，信用報告記錄會存檔五年，五年後舊記錄會被覆蓋。——— 交行太平洋卡中心首席客服迷你倉最平

　　Facebook版面最近幾乎成為自製漫畫程式Bitstrips的天下，迷你倉但還未瘋傳前，其實力早已不容小覷：全球用家數目於過去一年內以幾何級數增長，至今已經超過2,000萬用戶，並且早已吸引向來對科網公司投資有道的香港首富李嘉誠，旗下的創投基金「維港投資」將之納入投資組合內。　　那管App界潮流來去匆匆，但Bitstrips能夠在網絡迅速爆紅，總有其成功因素，就是用家能成功製作自己的頭像之餘，亦可製成處境漫畫，最好就是毋須基本畫功，只要有想法、夠幽默感就賺到Likes，把複雜變簡單，誰不喜愛？　　Bitstrips由加拿大多倫多一家科網公司研發，早在2008年就出現在互聯網，由5名漫畫愛好者創辦，他們因為想到每次繪畫都要花很多時間，為了慳水慳力，就萌生研發網上漫畫創作程式的念頭。用家只需從程式提供的眼耳口鼻、臉型以至身形到衣飾的樣辦中選擇，便可併出個人化的卡通公仔，接�選擇場景和輸入文字就成為漫畫主角。填補社交媒體不足　　一個為欠缺繪畫技能用家帶來方便的程式於時冒起，去年12月推出fb程式後，短短半年間便累積超過1,000萬用戶，至今年9月，推出手機版之後，更令這股熱潮勢不可擋。10月底登上App Store的免費程式下載榜首，總下載量超過1,100萬。　　簡單的人像拼貼工具，沒有大規模宣傳，卻迅速在網上建立龐大用家數目，原因正是填補了現時社交媒體的不足。皆因程式可以幫助網民由原本只能用文字或照片來表達感想，變成把自己也化身漫畫人物，兼且可以加入朋友一起互動，正如該程式創辦人之一兼CEO Jacob Blackstock形容，他們打破了社交網站愈趨平淡的局面。　　應用程式能突破呆板的框框，後續就是出招維持人氣，所以程式不時會推出新款及應時的場景，除了與節慶相關的題材，還有城中熱話，例如英國皇室小王子誕生，以及美國白宮辦公室等，吸引用家大量使用，就可不費分文做宣傳。而且Bitstrips亦不像遊戲程式如「Draw Something」和「Candy Crush」般，要等朋友幫忙。　　Blackstock於今年7月接受訪問時，表示公司沒有外來投資，言猶在耳，該公司的商mini storage後來已經在香港首富李嘉誠旗下的創投基金「維港投資」網頁內出現，也許這暗示Bitstrips的吸金能力仍有擴展空間，正如Bitstrips的發言人曾經透露，公司未來業務，除了廣告，亦會推出付費下載的特別版場景和衣服，甚至會延伸網絡以外，為用家製造實體的專屬Bitstrips公仔。擴闊用途延伸發展　　不過，要令程式可持續發展，連Bitstrips也想到不能將其局限於消閒遊戲，程式另一位創辦人Jesse Brown便將之延伸至教育用途。2009年，他發起「Bitstrips for Schools」，用程式把教材製作成漫畫。結果，一年後程式便獲加拿大安大略省的公立學校採用，全省200萬個學童受惠。　　此外，Bitstrips亦於2011年底跟時代華納旗下的Cartoon Network合作，推出「Stop Bullying Comics」運動，小朋友可透過程式創作宣傳反欺凌信息的漫畫。雖然這些都不賺錢，卻有助Bitstrips吸納資金研發教材，更有利於公司的長遠發展。　　可能許多人今天認為Bitstrips只是曇花一現，但有留意網絡商機的，應該認識來自美國的GoAnimate，其模式與Bitstrips相近，只是製作的不是漫畫，而是動畫短片，同樣以簡單易用見稱，毋須任何技巧，用家只需5分鐘就可製成短片，並且可自行錄音創作對話。他們亦有推廣作教育用途，而且美國許多學校均已採用，教育與商業版業務，共佔公司收入約三分之二。他們同樣有和Cartoon Network合作，把卡通角色放進程式中，給小朋友自製短片當兒，從中收取推廣費。每周一蹺　　創蹺人：Bitstrips　　創蹺時間：2008年　　成效：　　?全球用戶超過2,000萬，在fb上被分享的漫畫超過1億幅　　?應用程式推出後，總下載量超過1,100萬，成為App Store免費程式下載榜首　　?吸引外來投資，包括李嘉誠旗下的維港投資　　?程式發展成教材，獲加拿大安大略省的公立學校採用　　致勝關鍵：　　?簡單易用，用家能輕鬆拼出個人化的卡通人物　　?用家可以在fb跟朋友互動，令其在社交圈快速傳開　　?不時推出新場景，維持新鮮感迷你倉

南方日報訊 （記者/蔡華鋒 通訊員/曾蔚彬）10月1日生效的《旅遊法》至今一個半月，mini storage由於禁止了旅行社通過安排定點購物和另行付費旅遊項目獲利的經營模式，引發旅遊市場“洗牌”，在不少傳統旅行社團隊報名人數大幅下降的同時，在線旅遊遊客量不降反升，以新的業務模式和產品結構迎來新一輪發展機遇。業內人士認為，旅遊法將會加速旅遊市場轉型升級，加快旅遊消費向互聯網甚至移動互聯網轉移。旅遊法並沒有影響在線旅遊行業的火爆。記者瞭解到，旅遊法實施以來，攜程的旅遊度假業務保持持續快速增長態勢，相比去年同期以及旅遊法實施之前，報名人數都沒有下降而是明顯增長，團隊游、自由行、半自助游產品的業務量都進一步提升，門票、郵輪、當地游、租車等新興業務增長也很迅猛。門票方面，今年“十一”黃金周期間呈現爆發式增長，預訂量相比平時增長超過7倍；其中60%是首次在線預訂門票的新增用戶。廣州攜程旅遊執行總經理曹鵬表示，攜程在團隊游和自由行兩大塊業務上的優勢會進一步加大。團隊游方面，《旅遊法》後價格回歸合理市場重新洗牌，透明團、半自助、私家團、臻品游、鴻鵠逸游等團隊產品，將會進一步占據競爭優勢。此外，曹鵬指出，由於《旅遊法》進一步刺激散客市場，自由行迷你倉一步擴大了市場份額，特別是在港澳台、日韓、東南亞等出境游市場已經占據絕對領先。《旅遊法》之後休閒市場會進一步出現散客化、移動化、碎片化趨勢，也會獲得新的發展機遇。據分析，總體看《旅遊法》後市場更加規範，國民旅遊需求保持旺盛，市場也將持續健康發展。團隊減少了不正規的購物、自費補貼團費行為，市場上低價購物團大大減少，市場價格更加規範；優質的團隊產品更為受到旅遊者歡迎，服務價值獲得更多認同；低價團被禁止使得自由行直觀報價優勢開始顯現，對散客市場和網絡預訂非常有利。《旅遊法》使得團隊游市場全面洗牌，在淘汰低價購物團的同時，團隊游產品價格差距變小，也使得優質產品更有市場。我國旅遊市場已經形成散客為主的格局，《旅遊法》之後市場上團隊游價格上升，進一步有利於自助游和自由行產品。自由行是在線旅遊一直以來的優勢業務，從十月份以來攜程旅遊業務的情況看，選擇機票+酒店等自由行產品的遊客人數比例增長迅猛。除了在網上預訂自由行產品，今年很多旅遊者通過手機客戶端預訂自由行套餐。同時，門票、租車、當地游等單項服務爆發式增長，比如十月份攜程門票預訂量增長十倍，相當比例是在旅途中通過手機APP預訂。旅遊市場的散客化、碎片化的趨勢進一步明顯。文件倉

平安產險東莞分公司透露，儲存在剛剛過去的雙“十一”期間，平安產險針對單身人群推出的一款“脫光險“，鼓勵單身青年尋找愛情，購買了這款產品的客戶若是一年後結婚即可獲得最高4999元的蜜月禮金。該產品在平安保險商城官網和天貓旗艦店上一經推出，就大受歡迎。“脫光險”，顧名思義針對單身貴族的產品，購買該產品的客戶即可獲百合網提供的交友會員服務，通過網絡平台結識更多的異性伙伴。若在2014年11月1—11日期間註冊結婚，還能獲得擺脫光棍的蜜月禮金。此次限量推出的1110份“脫光險”有三款套餐，價位、保障和服務各不相等。判定“脫光“的界限就是2014年11月1—11日註冊結婚，投保了該產品的客戶只需致電平安客服4008895512，提供身份證、結婚證、保單號即可。中國銀行推出客戶自助填單系統近日，中國銀行東莞分行“客戶綜合自助填單”服務正式投產上線，在同業中率先實現向客戶提供多渠道、多業務的電子化自助填單業務，讓客戶輕鬆完成櫃台業務的申請填寫。“客戶綜合自助填單”服務改變了以往只能在網點內手寫填單的單一方式，既可在家訪問中國銀行門戶網站終端遠程操控“填單系統”，又可在網點內中銀自助終端以及自助填單專用終端等多種渠道進行填單，滿足了客戶隨時、隨地的櫃台業務申請要求。據介紹，此次投產上線的“客戶綜合自助填單”服務，提供了18種公司業務和13種個人業務的申請憑證，覆蓋賬戶類、結算類等45種mini storage台常辦業務。該行將不斷豐富自助填單的業務和渠道範圍，努力滿足客戶個性化需求，提供更高效、更快捷的金融服務與體驗。建行手機銀行開展分級競購活動東莞建行從即日起到11月30日，將開展“用建行手機銀行，購心愛之物”分級競購活動，包括25輛甲殼蟲汽車在內的多款商品以優惠價供給符合條件的手機銀行客戶競購。本次活動對象為建行手機銀行客戶。活動的主要內容為：使用建行手機銀行辦理的100元（含）以上向他人賬戶轉賬匯款交易、或10元（含）以上的繳費交易、或100元（含）以上的投資理財交易，即可獲取參與活動資格。半個月內做其中任何一筆交易可獲得A檔資格碼，做第二筆客戶的B檔資格碼，做第三筆可獲得C檔資格碼，客戶可同時獲得A、B、C三檔資格碼。獲得資格的客戶，憑資格驗證碼在每半個月一次的“競購日”參加商品競拍。競拍採取“分級競購”的方法，即全部商品以較大優惠的價格確定，依據客戶資格碼級別不同，可參與競購的時間點不同：C檔資格碼于12：00即可參與搶購，B檔資格碼于12：15方可參與搶購，A檔資格碼于12：30方可參與搶購，商品訂單全部訂單完成則該次競購結束，如未售完則于當日24：00結束。本次活動的競購商品，包括甲殼蟲汽車、一萬元的旅遊代金券、佳能微單相機、三星S4手機、蘋果iPad4、蘋果iPad mini、500元面值的加油卡、100元面值的話費充值卡等。本版撰文 南方日報記者 彭子英self storage