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【行銷專題企劃】 為提供國人旅遊泡湯選擇，mini storagePchome首次舉辦「全台十大溫泉飯店-精選名湯大讚」活動，評鑑以北、中、南、東部24家溫泉旅館，評分以為期11天的82,068人次網路票選，並請來人氣部落客、媒體從業人員組成評審團評鑑，與其他溫泉飯店票選不同之處，不將評選旅館排名次，而是依照10個獎項的精神評分，突顯獲獎旅館的用心與特色之處。 本次10個獎項由北部溫泉旅館囊括4個，中部溫泉旅館3個，南部溫泉旅館2個，東部溫泉旅館1個，其中坐落在北投溫泉一級戰區的麗禧溫泉酒店脫穎而出，共獲得「台灣最佳名湯獎」、「獨特美饌獎」與「網路人氣獎」，人氣正妹部落客小柔指出，北投麗禧位於大磺嘴白磺泉源頭，擁有第一口泉優勢，並自創台式頂級服務，有別於日式女將服務，台式服務講求「self storage務的溫度」，好像朋友到家中作客般，熱情接待，並且由「台灣食神」林祺豐領軍，運用全台各鄉鎮當季農特產入菜，呈現創意溫泉料理。 而位於日月潭兩家頂級溫泉旅館，日月行館以絕佳地理位置，將湖光山色盡收眼底，榮獲地理景觀獎，雲品酒店以優質的管家服務，新穎設備，絕佳湖景，為旅客打造頂級的國際享受，榮獲國際服務獎。 以綠建築為構想、清水模與玻璃帷幕為主體，結合山水美景的泰安觀止，榮獲建築美學獎，林桂圓石泉會館以超值的價位，享受獨棟VILLA的渡假別墅，更擁有全球獨特的泥漿溫泉，榮獲超值好湯獎，牡丹灣VILLA榮獲舒適品質獎，知本老爺大酒店榮獲尊榮服務獎，惠來谷關榮獲主題房型獎。 相關票選活動資訊4c.pchome.com.tw/campaign/2013/springvote/mini storage

一個面積二十八．七八平方公里、原來空蕩無人的「鬼城」，文件倉竟然讓新加坡副總理尚達曼親自飛到上海表達關切；它還要取代香港，成更名副其實的「國際金融中心」；甚至還有可能讓「台灣的銀行倒一半」。 更有意思的是，它的最終目標：建立一個三十五億人口，卻完全沒有美國人角色的超大自由市場。 這是中國的陰謀！ 其一，拉攏美國之外的國家，建立中國獨特的影響力和貿易圈；其二，利用遍地開花的貿易組織，把台灣排除在外，最後需要中國這把鑰匙才可以打開大門，讓台灣不僅要「抱緊中國大腿」，更是要全身「貼上去」，才有辦法走出困局。 同時，這一場「超級自由貿易大戰」也即將來臨了。上海自由貿易區其實正在影響台灣的產業、你我現在的工作以及下一代的未來。 最有競爭力的國家，對於未來是最敏感的，今年三月，中國新任國務院總理李克強上任之後首度到上海視察，拋出了上海應該進一步擴大開放，建立一個自由貿易試驗區的話題。 不到三個月的時間，尚達曼就立即訪問上海，並且拜會上海市委書記韓正，直接就挑明問中國未來的人民幣自由化與自由貿易的問題。 因為新加坡知道，中國政府讓上海往那個方向走，未來將牽動整個亞洲、甚至世界的局勢。 反美日圍堵，中國另闢陣營推上海自貿區，向全球釋出開放訊息 中國計謀一，面對排擠中國的自由貿易包圍網成形，必須表態作聲。新加坡是香港以外，最積極爭取人民幣離岸中心的國家，是中國經濟成長的直接受惠者。然而，新加坡又同時扮演了另一個角色：TPP（Trans-Pacific Partnership，跨太平洋戰略經濟夥伴關係協定）的創始國。而這個組織，卻是中國最強悍的對手－－美國所組成的。 距離現在只剩一年又兩個月，它就要開始發威了，這個原本由新加坡、汶萊、紐西蘭等國家成立的多國自由貿易協定，在美國加入後產生了巨大的變化，因為美國陸續鼓勵其他國家參與，包括北美自由貿易協定的墨西哥及加拿大，以及最關鍵者：日本。 現在成員國達十二國，分別是澳大利亞、汶萊、加拿大、智利、馬來西亞、墨西哥、紐西蘭、秘魯、新加坡、美國、越南、日本。韓國則在日本加入之後，也宣布加入，正在申請當中。 一連串的國家看似不相關，但英國《金融時報》（Financial Times）是這樣形容TPP：「一個只禁止中國入內的俱樂部」，《金融時報》更直接指出美國的動機就是想把時鐘撥回二○○一年，即中國加入世界貿易組織（WTO）之前。也就是說，原本中國靠加入WTO打通了一些關稅及非關稅的貿易障礙，現在又必須面臨其他國家築起新的貿易障礙來。 整個範圍內其經濟產值合計占到全球的四○％，貿易額合計占到全球的約三分之一，產值與貿易量非常驚人，而且加入的成員國在地理位置上剛好繞著中國一圈，變成美日圍堵中國的態勢。 在上海推自由貿易區是一個表態：中國願意開放，TPP應該考慮讓中國參與，台灣經濟研究院國際處暨國家經濟發展戰略中心副研究員許博翔這樣分析，TPP是高標準、高要求的自由貿易，不僅是要求全面降低關稅，還要求智慧財產權保護、勞工標準、環境標準和促進中小企業發展的自由貿易，其中有一條就是要求國有企業不得跟民間企業爭利，光是這一條就對中國現在的經濟體制有很大衝擊。 但中國想加入，不僅要降關稅，還要改國內制度，不能再保護國有企業、也不能操弄人民幣匯率。這等於拉高俱樂部的大門，開在摩天大樓上，中國明明知道非加入不可，但是卻找不到「雲梯」可以上去。 成功即可複製，失敗亦能控制改革紅利誘人，招商沒細則仍搶手 中國計謀二，對外開放，對內做經濟改革，在上海「鬼城」做實驗改革，失敗了不會感染全中國，成功了就推往天津、重慶、廈門與大香港地區。 二十八•七八平方公里的面積，相當於新北市的板橋區，在上海自由貿易區成立之前，其實還是上海人避之惟恐不及的「鬼城」。原來的盤算是，上海打算在緊臨上海洋山港的地方，建設一個人口八十萬人的臨港新城，號稱三年內投入人民幣一千億元。 但硬體建設投資了、大型的房地產項目也開發了，後續人口卻沒有移入，實際的居住人口只有上萬人，變成空有港口、房地產與工廠的「鬼城」。 「這是一個實驗，成功了，推向全中國，失敗了，也在可控制的範圍內。」許博翔說，光是讓民間企業可以參與市場、分享利益，對於中國就是一個非常大的衝擊與改革。 其二，中國大型國有企業其實並沒有真正經歷過市場競爭，例如金融、保險與電信，甚至連淘寶、騰訊這些企業，也可以算是「真空」環境中長大的花朵，看起來美麗，實際上可能不堪一擊。 因此，上海自由貿易區一掛牌，成了外商搶駐、中國指標型國營企業爭相進駐的地方。他們不僅是相信政策，而是期待政府開放被壟斷的市場，分配到利益。雖然連細則都沒有，但「改革紅利」這句話已經在中國喊翻天，人人都夢想著成為工商銀行，甚至是淘寶。 表面大喊改革，實為拔除路障目標七百兆、沒有美國的共同市場 中國計謀三，表面上喊自由貿易與改革，真正目的是催生中、日、韓、澳大利亞、紐西蘭、印度及東協十國（汶萊、柬埔寨、印尼、 寮國、馬來西亞、緬甸、菲律賓、新加坡 泰國、越南）形成之「區域全面經濟夥伴關係」（RCEP）。 一手催生上海自由貿易區的李克強在上海自由貿易區掛牌後開始往外跑。十月十日，在汶萊舉辦的第二十三屆東協峰會及東亞領導人系列會議，李克強公開表態，二○一五年底前，全面完成RCEP談判，且與TPP可交流互動，相互促進。 接著李克強訪問泰國，然後訪問越南，先是在上海推出第一個自由貿易區，然後密集造訪畫出時間表，中國正在建立一個一個沒有美國人的統一市場。 實際上就是二○一五年東協十國自由市場生效之後，再擴大加上中國、日本、韓國、澳大利亞、紐西蘭、印度等國成為自由貿易市場，一個人口約三十五億、生產總值約新台幣七百兆元，相當於全球三分之一總值，一個沒有關稅、沒有貿易障礙、更重要的是，一個沒有美國的共同市場。 但問題是各國之間存倉而是其他爭議多，例如領土爭議等等，讓RCEP多了許多路障。 但上海自由貿易區一成立，金融試驗成為上海自由貿易的第一槍，其中最受矚目的是資金自由進出、人民幣自由化以及貨物自由進出，光是這樣的動作，上海自由貿易區撼動了三個國家與城市，新加坡、香港與釜山。 新加坡星展銀行是第一個搶駐上海自由貿易區，這不僅是外商第一批，更重要的是一種表態。至於東亞國家中最早推動自由貿易區的韓國，經濟副總理兼企畫財政部長官玄�錫還特別針對中國成立上海自由貿易試驗區召開會議，要韓國也需要為提高服務行業競爭力，應該進一步放寬相關政策。這代表新加坡、韓國，都表態支持了。 金融業務搶客，直接衝擊台銀產業鏈轉移，工作往上海與越南跑 中國計謀四，沒TPP、RCEP的台灣，必須走更依賴中國路線，想加入這兩個組織都必須要看中國眼色。 上海自由貿易區對台灣衝擊一，台灣銀行倒一半或將金融業務轉往上海。當上海自由貿易區一掛牌，上海台商圈馬上喊出「台灣銀行倒一半」的預測，富蘭德林事業群總經理劉芳榮說，上海自由貿易區的金融改革試驗，對於台灣銀行業是致命的威脅，他分析，台灣的銀行業的主要獲利來源有二個，其一是OBU（Offshore Banking Unit，國際金融業務分行），其二是信用卡。 當上海讓人民幣匯率自由化、資金進出與貨物自由進出，過去台商的OBU業務還需要透過台灣的銀行，未來直接在上海自由貿易區就能操作，於是「搶客效應」發生了，不僅香港與新加坡都會被上海自由貿易區排擠原有的金融業務，台灣更難逃衝擊。 但台灣銀行業可以避免倒一半的命運，出路就是積極參與上海自由貿易區，劉芳榮說，別小看台商的實力，鴻海、廣達、和碩等都是中國出口大戶，台資銀行只要能夠握住台商的OBU業務，別被上海自由貿易區的其他銀行搶走，對於台灣來說，就已經是一塊很大的市場了。 因此，當上海自己發展人民幣自由化，代表台灣要發展「人民幣離岸中心」成了遙不可及的夢想了，也代表台灣金融業務必須登陸上海自由貿易區，學新加坡積極配合中國。 另外，第二個衝擊則是，上海自由貿易區掛牌，代表台灣要面臨產業鏈轉移的惡夢了，工作機會一個往上海跑，另一個往越南跑。 在眾人鎂光燈之外，越南則悄悄擠進了日本、韓國、中國、香港與台灣的紡織成衣、製鞋廠，掀起了越南投資的新浪潮，原本越南的紡織成衣、鞋類這兩項產品輸往美國的現行平均稅率為一七•三％及一四•三％，最快在二○一五年，將全部降為免關稅。 我們問台灣紡織廠，越南也做了自由貿易區嗎？答案是沒有，這是美國送給越南的一個大禮，原來美國主導的TPP，讓越南成為第一個受惠者。 然而，越南也是RCEP國家，美國給了越南一個大禮物，中國不可能不給，它成了美國與中國相互抗衡的跳板。 棣邁產業顧問總經理何耀仁說，TPP規定，從棉紗到成衣都必須在越南生產製造，因此，整個成衣加工鏈正在快速移往越南，不只台灣，從日本到中國的成衣廠正在快速移往越南，包括生產大家所熟知的品牌如Zara或優衣庫（Uniqlo）。 所以打開台灣人力銀行的新增工作，例如新加坡、印尼、馬來西亞，這些國家多是幾十筆，少則兩、三筆，而在越南，動輒三百、四百筆，遠遠超過其他東南亞國家。但這還代表台商能轉移成功，一旦台灣沒辦法支撐台商打國際轉移的戰爭，就會被勞力國家就地取代，台灣人連去越南的工作機會都沒有。 台灣如何自救？須善用ECFA經濟示範區不能停，開放才有機會 台灣能夠怎麼辦？ 許博翔說，從以往中國加入國際組織的慣例，例如WTO，台灣想加入TPP或RCEP，一定是中國先加入，台灣才能夠跟著加入；其二，中華經濟研究院區域發展研究中心主任劉大年說，台灣ECFA（兩岸經濟合作架構協議）功用仍然非常大。許博翔建議，台灣必須善用ECFA，證明自己開放市場的決心，才能取得別的國家認同。 因此，當上海自由貿易區的成立，不僅代表台灣的自由經濟示範區只能往前，不能回頭，也只能比上海更開放、更積極，這也同時代表，一個衝擊更大、更競爭的自由貿易將要在台灣登場了。 【延伸閱讀】打不進中、美兩大貿易陣營，台灣變孤兒——1分鐘看TPP與RCEP 美國領頭TPP跨太平洋戰略經濟夥伴關係協定（Trans-Pacific Partnership） 28兆美元成員國GDP總和近28兆美元，約占全球年經濟產值近40％ 8億人相當1.5個歐盟人口第1波生效：2015年越南免稅目的：打造全球最大自由貿易區，涵括智慧財產權保護、促進中小企業發展等內容 中國為首RCEP區域全面經濟夥伴關係（Regional Com-prehensive Economic Partnership） 23兆美元成員國GDP總和約23兆美元、約占全球年經濟產值1/3 35億人約占全球總人口一半第1波生效：2015年東協十國免稅成形目的：削減關稅及非關稅壁壘，建立16國統一市場的自由貿易協定 純TPPa成員國：美國、墨西哥、加拿大、智利、秘魯同時加入TPP與RCEP國家：汶萊、韓國（申請加入TPPa中）、紐西蘭、越南、澳大利亞、馬來西亞、日本、新加坡純RCEP成員國：印尼、柬埔寨、印度、中國、菲律賓、泰國、寮國、緬甸 資料來源：經濟部、台經院整理：呂國禎 【延伸閱讀】 Q1上海自由貿易區會取代ECFA？不會，反而讓ECFA更為重要，讓台灣更能善用跟中國自由貿易的優勢，爭取到上海自由貿易區尚未開放的投資項目，例如網路、媒體等。 Q2台灣哪些行業可能會受到上海自由貿易區的衝擊？上海自由貿易區以金融試驗為主，台灣金融業可能會喪失OBU業務，造成銀行裁員或倒閉。 Q3台灣能加入TPP、RCEP？目前不行，加入TPP與RCEP，需要每個會員國同意，台灣要一一展開談判。 Q4台灣開了自由經濟示範區，就能加入TPP、RCEP？還是不行，自由經濟示範區只是實驗，真正開放市場才能得到支持。 儲存

信息來源於四川新聞網 / Cited from .newssc.org/到甘孜州旅遊的人，迷你倉目標往往是海螺溝、塔公草原，很少有人關注八美鎮。郫縣、都江堰援藏隊到了道孚後，打算把這裡打造成全新的旅遊片區。此前，八美鎮雀爾村一組的村主任仁真讓步和妻子在這裡挖了半輩子蟲草、采金砂。今年，援藏隊給予村里20多戶人家每家4萬元補貼，仁真讓步開始裝修房子。明年5月，雀爾新村將正式開門迎客，仁真讓步就成了這裡農家樂的老闆。建好基礎設施 再引進旅遊公司走進雀爾新村，很多民居正在裝修。仁真讓步所在的雀爾村一組，有20余戶被確定為示範戶，將被改造成農家樂，一樓住遊客，二樓由牧民自住。去年9月開始，來自郫縣、都江堰的援藏幹部向雀爾村牧民發放問卷，瞭解八美片區基本情況和牧民需求。經調查，村民都願意發展旅遊業，只是苦於不懂經營。在實地勘察中，援藏隊發現八美地區的旅遊資源並不差。雀爾村東臨古剎惠遠寺，亞拉雪山，南面是八美石林，西面臨近龍燈草原。最終，工作組確定了雀爾村和這幾大景區來重點打造。之後，援藏隊投入了500余萬元，實施了環境整治、風貌改造、停車場等基礎設施建設。另外，工作組開始幫助八美鄉鎮建立旅遊產文件倉發展辦公室，幫助村民籌建旅遊接待協會。同時，工作組開始對外招商引資，目前已基本確定了一家集旅遊、宣傳為一體的公司。這家專業化的公司將與鄉鎮的旅遊辦和村里的協會對接，負責拓展客源和對外宣傳。組織牧民到成都學習 新村明年開放順著村口的民居往里走，中央是已經修好的“鍋莊廣場”。這也是援藏幹部們的主意。雀爾村原本沒廣場，鍋莊逢年過節才跳。可要發展旅遊，最關鍵的是要把遊客留下。於是，援藏幹部挨家挨戶尋找，最終組建了30多人的鍋莊舞隊，除了傳統的舞蹈方式，還要編排一些與遊客互動的舞蹈。另外，援藏幹部聯繫的公司已確定好培訓方案，包括如何接待遊客、誠信經營等等。今年10月，郫縣、都江堰還將組織牧民到成都的農家樂參觀、學習。據項目操盤人張旻波介紹，明年5月，雀爾新村旅遊新區將正式開放。據估計，按每家接待12人計算，雀爾新村的接待能力可達到300余人。如果主題酒店建設完成，接待能力還可以進一步提高。成都商報記者 祝迅 攝影記者 鮑泰良旅遊貼士目前，成都遊客到雀爾村遊玩，可以選擇自駕游，沿著經典的四川旅遊西環線，將沿線美景盡收眼底。具體路線是：成都－雅安－康定－海螺溝－新都橋、塔公草原、八美鎮雀爾村。存倉

黃亞南今年下半年中日貿易出現回暖，文件倉到9月份，出口額再次同比增長。這是令人欣慰的。因為貿易除了互通有無的功能外還有加速經濟發展，促使產業升級的功能。這樣的功能在中日貿易中有著很好的體現。經濟的發展一定會產生貿易的需求，這是無法迴避的現實。當年在中日重新恢複貿易關係的時候，曾經有過這樣的插曲：日本的右翼想阻撓中日貿易的恢複，就給積極推進派一位日本議員送過裝有子彈頭的恐嚇信，其實這位議員並不是親近大陸的政治家，他之所以不顧恐嚇繼續積極推動中日貿易的恢複，正是因為看到了中日經濟對貿易的實際需求。事實上，後來日本也得益于中日貿易，而中日貿易在很長的時期里在中國經濟發展中占據了非常重要的地位。同時，中日貿易對中國企業的產業升級也有明顯的促進作用。早期的中日貿易具有很強的互補性，但是隨著中國經濟的不斷發展，中日之間出現了越來越多直接競爭。曾幾何時，日本的電子產品曾經衝擊過我們的生活樣式，然而，經過中國企業的努力，日本的很多產品逐步失去了競爭力，家電市場集中體現了這樣的演變過程，而這一過程實際上也就是中國企業產業升級的過程。當然這不是說貿易直接決定了產業升級，但是，如果沒有貿易，那麼產業升級不僅會很緩慢，而且很難形成強勢的市場的競爭力。在這方面，日本企業就有非常深刻的教訓。日本的電子產品在很長時期里都具有世界性的競爭力，但是在一些產品，比如說手機領域卻無法與歐美企業抗衡，甚至還敵不存倉亞洲企業。之所以出現這樣的局面，並不是日本的手機產品做得不優秀，而是日本企業把自己束縛在一個封閉的環境中，日本用獨自的PDC制式把日本手機企業與世界隔開。雖然他們的手機產品也不斷進化，但是，一旦移動通信的國際標準得到普及，日本的手機企業就幾乎全軍覆沒。對此，日本很自虐地稱之為“加拉帕戈斯現象”。加拉帕戈斯群島孤懸在太平洋上，與世隔絕的這個群島上的生物雖然也在不斷進化，但是一旦其他進化物入侵之後，這些原生的生物無法適應環境的變化，幾乎絕跡，而外界的生物本來數量很多，相互之間的生存競爭非常激烈，所以具有很強的適應能力。日本企業似乎很缺這樣的適應力。所以，中日貿易對日本企業來說，也能形成一種產業升級的壓力。據日本貿易振興機構的調查，有超過60%以上的日本企業希望擴大在中國現有的事業或者進一步開拓新的事業領域，對這些企業來說，除了政治風險之外，還必須面臨中國企業的直接競爭。日本企業如果老是擔心模仿產品搶奪市場，擔心他們的技術流失的話，那麼，今後他們會越來越被動。要打開這種被動的局面，日本就必須跳出思維的窠臼，從產品概念到商業模式，都需要有突破，也就是說日本企業需要經歷一次經營革命，才能真正地重新贏得市場競爭優勢。中日貿易的發展不僅能夠給中日經濟帶來實惠，而且對中日企業的進一步發展也有不可忽視的促進作用，所以，對目前中日貿易的回暖，我們還需要加倍呵護，使這種回暖趨勢進一步擴大。儲存

Hangzhou, already known for its scenery, is pushing to promote its modern culture industries to make itself distinctive.儲存Yesterday, the Cultural and Creative Expo held by the city government over four days drew to a close. The results should please Hangzhou citizens:More than 2,000 cultural and creative organizations and companies from more than 60 countries and regions participated, and more than half were from overseas.The expo was a combination of curiosities, high-end products such as artistic accessories and Ferrari sports cars, daily commodities like tableware and tea sets, and artwork including illustrations and sculptures. The fair covered 600,000 square meters.It is the third time that the Hong Kong Illustration Association has attended the event, and this year it specially designed its booth with an iconic double-deck tramway installation at the entrance.The cardboard-and-iron tramway bus featured dozens of illustrations inside and outside, all by members of the Hong Kong Illustration Association."It is expected that our member illustrators will be introduced to China's mainland via the expo," said Sindy Lau, president of the association. "We will keep coming to the expo, as we know the city puts emphasis on the cultural and creative industry."The association also has organized China Illustration Awards for three years, which collects works by illustrators from all over China.Since the expo is in its sixth year, more Taiwan and Hong Kong cultural and creative firms participated, as shown by the fact that the Cross-Strait Culture and Creative Works Zone covered 3,000 square meters.In the zone, Mano Accessory from Taiwan displayed artistic accessories made from resin, thread, polystyrene foam and iron."Once, we got a big order from a client from Hangzhou, and we became aware that maybe Hangzhou people were ready for a new concept of accessories," said Hsu Wen-Hsien from Mano."The concept that accessories do not have to be gold or silver is known in West, and it has gotten popular in Taiwan in recent decades. Now we want to bring it to China's mainland via the expo,"mini storageshe added.While some exhibitors sold art concepts, some won visitors by smartly designed daily commodities. JIA from Taiwan brought its tableware and kitchenware designs, and caught the attention of local and foreign visitors.Its products include a pot that combines a bamboo steamer and porcelain pot, a gourd-shaped sauce dish, and a tube-like glass cruet — a small vase with a lip — contained in a bamboo tube."The products are designed for both Chinese cuisine and Western food, and we believe that cross-culture design is in accordance with the trends of cultural and creative industries," said Bonnie Lee, marketing manager of the company.Visitors also were impressed by the International Design Zone, which boasted a sleek orange Ferrari sports car and a dazzling red Ducati motorcycle.They are part of the exhibition set up by the Italian Franchising Association that also exhibited arts, fashions and designs from Italy.It was the first time the association brought a display to China's mainland, and "we are learning what are the best ways of promotion in China after exploring markets in Russia and India," said Roberto Ghelardini from the Italian Franchising Association.Local brands at the expo also showcased designs marked with Hangzhou elements.A Hangzhou design brand, IW, meaning I and West Lake, sold hundreds of its products of the "Hangzhou Map in the Qing Dynasty" series during the expo.The series uses elements of a map drawn during the Qing Dynasty (1644-1911) which was believed to be Emperor Qianlong's tour map. Details are abstracted and modernized into patterns, printed on boxes, postcards, bookmarks, fans, scrolls and even iPhone covers.The company, which owns two branch stores in Hangzhou, said the cultural and creative industry was not for people looking for easy money, but for people who have passion."Compared with other industries, this industry has fewer entrepreneurs because it's not easy to make money," said Jin Yan, brand director of IW Design Company. "But so far it's good to see that the government is helping us and the market is getting more and more mature."self storage

自存倉 epaper.ynet.com/html/2013-10/21/content_17713.htm?div=-1...導讀：由於從小熱衷于觀看暴力電影、小說，玩殺人遊戲，17歲的四川少年耿勇（化名）在網上以“職業殺手”的身份招攬“生意”。而北...迷你倉

Source: The Record, Stockton, Calif.儲存Oct. 20--A group of Democratic and Republican mayors are proposing a ballot initiative to dramatically alter public pensions.That public pensions must be modified is clear. Many public agencies are strangling under the weight of pension costs."Skyrocketing retirement costs are crowding out funding for essential public services and pushing cities, counties and other government agencies closer to insolvency," said San Jose Mayor Chuck Reed, the point-man on the new effort.Indeed, many opponents of Stockton's Measures A and B on the Nov. 5 ballot complain that the city should have challenged the state's giant California Public Employees Retirement System. They complain that a too-generous retirement and benefits package was one of the main drivers sending the city into bankruptcy court.Certainly that did not help, but neither did collapsing revenues because of the real estate meltdown nor debt obligations stemming from the city's outlandishly ambitious downtown renovation program.Still, few can argue against public pension reforms. Government agencies -- and that means the taxpayers -- at all levels face unfunded pension obligations that total in the tens of billions of dollars.The plan San Jose's Reed and others propose would allow public agencies to dramatically reduce retirement benefits for not just future workers but also current workers.And therein lies the rub, certainly from the standpoint of the workers, their unions and Gov. Jerry Brown. In supporting statewide pension changes last year, Brown backed away from going after the pensions of current employees. The courts, he said, have consistently ruled that such curbs are not legal.Workers are sure to frame the coming fight that way.What Reed and the others propose "breaks the promise of a secure retirement made to millions of Californians, many of whom are ineligible for Social Security and have an average pension of $26,000 per year," said Dave Low, chairman of Californians for Retirement Security."It will allow public employers to unilaterally cut the retirement benefits ... a promise upheld by the Supreme Court that politicians and hedge fund managers want to change to allow employers to renege on it."Reed last year led the fight for pension reform in San Jose that voters approved overwhelmingly but which has been challenged in court by unions.The San Jose reform plan forces city workers to choose a less-generous retirement plan for future se迷你倉vice or contribute more money to continue their more generous pension. The plan didn't change benefits workers had accrued.That change is not unlike what private sector workers have faced again and again. In many cases, pensions they were told would be there were simply frozen.Public workers understand that, but they say that taxpayers need to understand that workers in the private sector have Social Security, a safety net denied many in the public sector such as California public school teachers.What Reed proposes now is a change to the state Constitution giving state and local government employers the right to lower current workers' pension and retiree health benefits prospectively.Most legal experts have concluded that the state Constitution protects pensions promised workers on their first day on the job as a "vested right" that can't be cut without comparable compensation in return.Reed has a long way to go before this gets before the voters, especially in terms of finding financial backers. He already is said to have asked for funds from a Houston-based nonprofit with ties to former Enron executive John Arnold.To many Californians, and not just public employees and their unions, out-of-state money flooding into this state's political campaigns raises their hackles. The irritation likely will be even higher about money in any way tied to Enron, with its history of diddling in the state's energy markets a decade ago.Middle ground -- hard to find in a labor-management dispute -- is what's needed. A unilateral attack on pension promises seem unfair, but it also seems unfair for taxpayers to shoulder the entire costs of public pensions.Short of finding that elusive middle ground, a measure such as Reed's or one like it eventually will find itself before voters.Stockton City Manager Bob Deis defends the city's decision not to take on CalPERS as part of the bankruptcy process. It would be expensive and divert attention from the things that need to be done to get out of bankruptcy.That's a reasonable argument. It's also reasonable to suggest that pension reform should be attacked statewide. The Legislature made a half-baked start last year. Reed's initiative may go too far, but it does show that we have much further to go before we achieve fairness for public workers and the taxpayers.Copyright: ___ (c)2013 The Record (Stockton, Calif.) Visit The Record (Stockton, Calif.) at .recordnet.com Distributed by MCT Information Services儲存倉

Source: Pittsburgh Post-GazetteOct.文件倉 20--Give Vancouver a do-over, and perhaps the Canucks would try something a bit different during the shootout.Maybe not rely on getting within a few feet of Penguins goalie Marc-Andre Fleury, then trying to slide a puck between his legs or beyond the reach of his pads.Perhaps toss something at him from a bit farther out.Like, say, the neutral zone.It worked once in the Penguins' 4-3 victory against the Canucks Saturday at Consol Energy Center, which is one more time than Vancouver was able to beat Fleury in three rounds of the shootout.Indeed, Evgeni Malkin was the only player on either team to get a goal then, and that was enough to bump them to 7-1 in the first eight games of 2013-14.But the Penguins might never have been in position to improve their record at Consol Energy Center to 5-0 -- their best start at home since winning seven in a row to begin the lockout-shortened 1994-95 season -- if Fleury had dwelled on the goal he donated to the Canucks at 13:49 of the opening period.Vancouver defenseman Alex Edler was about one stride over the red line when he launched the puck directly into Fleury's chest."Somehow, it had some spin and went over my head and I lost it," Fleury said. "And it was in the net."But even though he lost sight of that puck, he didn't lose his composure or focus. Good thing for the Penguins, too, because they needed every one of the season-high 36 saves he made, as well as three more stops during the shootout, to escape with a couple of points."I said a couple of bad words to start [after Edler scored], then relaxed," Fleury said. "I kind of laughed at myself a little bit, when we scored a goal. It's a lot more fun to laugh at it now that we have won."The victory was made possible, in large part, by Fleury's ability to maintain his concentration, because Vancouver ran up a 39-28 advantage in shots."I think they out-chanced us, but maybe not by what the shots might have [indicated]," Penguins center Sidney Crosby said.Still, while that shots margin was inflated a bit because the Canucks threw a number of long-distance ones at Fleury, he turned aside everything that he had even a remote chance of stoppin存倉 after Edler's goal."He was huge after that," winger Pascal Dupuis said.The Canucks were the first 2013 playoff team the Penguins have faced this season, and looked the part. They played a strong two-way game, and the impact of first-year coach John Tortorella on their defensive play was easy to see."They were really good," said Penguins left winger Tanner Glass, a Canucks alum. "Tortorella really has them playing tight defensively, blocking a lot of shots. They're tough to play against."So is Crosby, who had a goal and two assists to run his league-leading points total to 17.The Canucks, of course, were well aware of Crosby long before they got to town.They probably didn't have much of a book on rookie defenseman Olli Maatta, who appeared in just his eighth NHL game.Vancouver knows him now, however, because Maatta scored his first goal by punching a Chris Kunitz rebound past Luongo at 13:12 of the third period to tie the score, 3-3.Maatta can dress for one more game before the Penguins have to decide whether to send him back to his junior team, London of the Ontario Hockey League.If they keep him for a 10th game, it will trigger the first season of his three-year entry level contract.While the Penguins have not announced their intentions -- and do not have to finalize any decision just yet -- there is strong sentiment inside the organization to keep him.That doesn't mean Maatta would be a lock to spend the season in the NHL, however. If he stays past Game No. 9, the next deadline would come at 40 games, the point at which he would be credited with a season-played, for purposes of determining free agency.Maatta has impressed not because he doesn't make mistakes, but because he doesn't repeat them.And, as Fleury demonstrated, even a costly error doesn't have to sour an entire game."Today wasn't our best game," Crosby said. "But [Fleury] shut the door when he needed to."Didn't matter at all that he had slammed it on his fingers earlier in the day.Dave Molinari: Dmolinari@Post-Gazette.com or Twitter @MolinariPG.Copyright: ___ (c)2013 the Pittsburgh Post-Gazette Visit the Pittsburgh Post-Gazette at .post-gazette.com Distributed by MCT Information Services儲存

　　近年內地影子銀行迅速膨脹，迷你倉最平可說是源於國際金融危機爆發後，當局2008年11月推出的4萬億元（人民幣，下同）經濟刺激計劃，全國掀起一場大規模的投融資熱。幣策極寬鬆 M2信貸急增　　為了配合中央4萬億計劃「保增長」，人民銀行實施極度寬鬆的貨幣政策，下調存款準備金率、減息，甚至取消信貸額度和存貸比上限管理，這導致貨幣供應和信貸急劇膨脹。　　2009年，金融機構新增信貸規模達到9.6萬億元，廣義貨幣供應量（M2）大幅增長達到27.68%。　　由於擔心貨幣超發引發通脹和樓市泡沫，09年下半年當局逐步收緊貨幣信貸，2010年起開始上調存款準備金率、加息。然而地方在建項目不能停，地方融資平台和房地產企業湧向影子銀行融資。　　在人行收緊銀根下，銀行為了規避資迷你倉監管、計提撥備等要求，通過與信託公司合作，發行信貸資產類理財產品，將存量貸款、新增貸款等轉出表外，或銀行同業之間通過信貸資產的「買斷」，降低當期的信貸規模。銀行藉信託公司 繞過監管　　銀信（銀行與信託公司）合作的典型方式，是銀行將募集來的理財資金，交給信託公司設立單一信託，以信託貸款的形式貸給銀行指定的企業，或通過買賣信貸和票據資產實現，繞過監管政策，釋放貸款額度或變相吸納存款。　　因此，信託公司為銀行提供了一個逃避存貸比、信貸額度指標監管的「通道」。在「上有政策，下有對策」、利率未市場化和缺乏完善監管下，信託貸款繼續激增，「影子銀行」持續膨脹。　　到今年6月末，信託資產餘額達到9.45萬億元，按年增長70.7%，而銀行理財資金餘額9.08萬億元。儲存

韓迅2013年9月，儲存倉得益于自貿區概念的外高橋（600648.SH）成為市場追捧的“明星”，但進入10月後，其前子公司上海景和健康產業發展有限公司（下稱景和公司）的信用擔保風險，卻突然釋放。盡管外高橋宣稱景和公司已和上市公司沒有關係，但今年9月29日，第七屆董事會第二十三次會議上，卻審議通過了《關於處理景和股權轉讓後續事宜的議案》。與外高橋糾纏不清的景和公司，究竟何時成立的呢？過去的那段時間，景和公司的股權如何被外高橋賣出又被其收回的呢？往事“並不如煙”上述議案詳細文本顯示，景和公司成立于2001年7月，註冊資本5000萬元，主要從事醫藥醫療方面的投資及相關管理咨詢業務，並參與投資了台州外高橋聯通藥業公司（下稱台州公司）。本報記者查閱外高橋2001年年報發現，景和公司當初名叫上海景和投資管理有限公司，法定代表人是仲春明，其當時的身份是外高橋董秘。景和公司由外高橋及其子公司上海外高橋保稅區玖益物資貿易有限公司（下稱玖益貿易）分別持股90%和10%。作為投資管理公司，景和公司當時持有外高橋的醫藥、醫療業務分部下屬的子公司。外高橋2001年年報顯示，成立理由是希望“通過景和公司逐步擴大在生物醫藥領域的投資，實現產業聯結，提高資本效率”。據2001年年報披露，外高橋通過景和公司投資1200萬元持有台州公司48%的股份。當年，景和公司淨資產4983.72萬元，淨利潤為-16.28萬元。2002年，景和公司總資產達7093.15萬元，淨利潤164.95萬元。值得注意的是，這一年，景和公司幹了兩件事，一是出資850萬元，投資上海國賓醫療中心有限公司（下稱國賓醫療），持股65%，主要從事醫療服務業；二是出資867萬元成立山西景和華禹制藥有限公司（下稱山西景和），持股51%，主要從事中成藥生產及銷售。2003年，外高橋突然宣佈，要轉讓成立不足兩年的景和公司部分股權。外高橋2003年年報中的“董事會報告”表示：“根據公司經營戰略調整的需要，逐步推動景和公司股權轉讓和醫藥醫療板塊的退出”。僅在兩年前，外高橋還就組建景和公司表示：“探索以生物醫藥為核心的高科技和高成長行業投資並初見成效”。景和公司2003年總資產6087萬元，淨利潤達699萬元，同比增長323.76%。要知道，外高橋當年的淨利潤也不過2501.28萬元。2003年12月30日，外高橋與玖益貿易分別與新華信托簽訂股權轉讓協議，將持有的景和公司72%和10%股權，分別以4302.44萬元及597.56萬元（合計4900萬元）轉給新華信托。此時，仲春明已升為外高橋副總經理，並兼任玖益貿易、國賓醫療、山西景和、台州公司的法定代表人。轉讓完成後，外高橋持有景和投資的比例降至18%，不再納入並表範圍。交易在2004年1月31日收到轉讓款、控股權轉讓後結束，外高橋2004年年報明確表示長遠目標是希望將業務集中于房地產發展、租賃及現代物流，剝離不想管的業務，所以醫藥分部的出售與該目標一致。就在市場以為外高橋與景和公司的故事將告一段落時，不到三年，外高橋又把轉出的景和公司82%股權收了回來。“失而複得”的景和按照外高橋2003年年報表述，轉讓景和公司82%股權是戰略需要。但是，本報記者得到的外高橋2013年9月《關於處理景和股權轉讓後續事宜的議案》（下稱《議案》）表示，“2003年11月，時任我公司副總經理、景和公司總經理仲春明挪用景和公司資金，通過信托方式收購景和公司82%的股權協議。截至2003年底，景和公司為台州公司提供信用擔保金額為900萬元。2005年8月，仲春明因挪用資金收購股權被判刑。2006年1月，在公信中南會計師事務所司迷你倉最平審計的基礎上，新區（注：上海市浦東新區）國資委決定，我公司收回仲春明所持景和公司82%股權。股權收回後，我公司持有景和公司100%股權。”本報記者注意到，2004年4月8日，外高橋第四屆董事會第十三次會議同意仲春明辭去副總經理，離職原因並沒有詳細披露。外高橋2005年年報更是沒有仲春明一個字眼，對於其“因挪用資金收購股權被判刑”以及挪用何處資金均沒有披露，在上海一位基金經理看來，這是需要明確披露的，“外高橋顯然有意隱瞞了仲春明挪用景和公司資金，並通過新華信托收購景和公司股權的事情。”2006年1月11日，外高橋第五屆董事會臨時會議通過決議，同意受讓新華信托持有的景和公司82%股權，股權轉讓價4900萬元。上述股權轉讓的產權交易手續于2006年2月15日完成，工商變更登記于2006年6月12日辦妥。此時，景和公司已更名為“上海景和健康產業發展有限公司”。外高橋稱，收購完成後，公司將持有景和公司100%股權,納入本年度合併報表範圍。但是，失而複得的景和公司，已經“面目全非”。本屬景和公司旗下的國賓醫療、山西景和，在外高橋2006年年報中沒有一絲蹤跡，它們究竟去了哪裡呢？外高橋在《議案》中表示，截至2005年11月30日，景和公司為台州公司提供最高信用擔保6500萬元，較2003年轉讓時的900萬元擔保額高出7倍。外高橋認為，景和公司對外擔保大多是在其離開上市公司系統期間產生的。“不管怎樣，外高橋當時內控存在問題，否則仲春明如何能挪用景和公司資金呢？”上述基金經理如是說。2006年6月12日，景和公司已經虧損，淨利潤為-68萬元。最後的“買單者”外高橋在《議案》中表示，股權收回後的2006至2011年，景和公司對台州公司的擔保一直控制在6500萬元最高擔保額度內。2009年，外高橋著手適時引入戰略投資者，2011年5月5日與上海虜克實業有限公司（下稱虜克公司）簽署《景和公司股權收購協議》，擬以不低於淨資產4045.63萬元將景和公司100%股權轉給虜克公司。本報記者拿到的一份外高橋計劃財務部2010年7月29日出具的《關於對台州公司中行貸款續擔保的說明》顯示，“由於原最高額擔保合同到期，台州公司懇請景和公司為其續擔保一年，額度仍是4000萬元，期限自2010年8月12日至2011年8月11日。由於此擔保關係台州公司的經營發展，資金鏈的安全，財務狀況的穩定，在總擔保額度不變的情況下為其提供擔保。”命運不濟的是，擔保期內台州公司出事了。2011年6月，仙居縣政府的一次集中清理中，台州公司因涉嫌土地違規使用被調查，外高橋派駐擔任總經理的員工被拘留。為給派駐人員支付保釋金，外高橋同意上海景和對台州外高橋提供500萬元臨時借款。本報記者得到的外高橋監事會2011年7月11日簽署的“關於景和公司向台州公司提供借款的建議函”顯示，景和公司擬向台州公司提供臨時借款500萬元，用于支付景和公司派駐台州公司人員的保釋金。外高橋監事會認為此筆借款面臨較大風險，建議外高橋“請景和公司按照公司章程及有關規定決策此事項；明確借款用途、還款周期及保證措施；按照上市公司有關信息披露的要求做好工作。”實際上，這筆借款並沒有出現在外高橋披露的公告中。投資景和公司多年，且失而複得後，外高橋究竟從景和公司得到多少投資收益呢？國有資產是否得到有效保障呢？如今，由於台州公司兩筆合計2500萬元銀行借款到期後無力償還，景和公司承擔信用擔保責任也無力償還，處在股權融資關鍵時刻的外高橋，不得為這家已剝離的景和公司信用危機“買單”，誰該為投資景和公司這筆“失敗的買賣”負責呢？（記者郵箱：hanxun@21cbh.com）迷你倉

——華泰柏瑞季季紅債券型基金分析報告□ 國金證券 張琳琳（執業證書編號：S1130511110004）10月21日至11月8日，mini storage華泰柏瑞發行旗下第三只純債基金——華泰柏瑞季季紅債券基金，業績比較基準“一年期銀行定期存款收益率(稅後)+1%”，現可通過建行、華泰柏瑞直銷等渠道購買。該基金延續並升華了華泰柏瑞固定收益團隊“穩健與收益並重”的投資理念，在堅持純債投資策略的基礎上，增加了強制分紅條款。這一設計，不僅減省了個人及機構投資者的部分費用，更有助于持有人了結階段性收益。此外，公司固定收益團隊成員互補的資歷背景以及擬任基金經理豐富的管理經驗也為該基金的運行奠定基礎。分紅設計 契合理財需求海外市場上，很多基金產品在定期分紅方面都做了相關的規定，定期將基金投資中的收益獲利了結似乎已經成為一種投資習慣，以美國市場為例，進行派息的共同基金占所有共同基金的比例超過90%，其中採用定期派息的基金又占派息基金逾95%，即定期派息基金占比超過85%；同樣，在亞洲市場上定期支付基金也逐步發展壯大起來，據Bloomberg統計，僅2011年中國香港和新加坡就發行了數十只定期收入基金。反觀中國內地市場，從分紅頻率來看，目前市場上定期分紅型基金已經覆蓋月度、雙月、季度、年度等不同分紅周期，能夠較好滿足投資者不同理財需求，截至2013年9月24日，定期分紅型基金產品數量合計13只，較上年末增長1.6倍。根據基金招募說明書規定，華泰柏瑞季季紅債券基金設計了強制分紅條款，在符合有關基金分紅條件的前提下，每季度末基金份額可供分配利潤超過0.01元時，就會�動分紅機制，且分紅比例不得低於可供分配利潤的50%。這一設計有助于持有人了結階段性收益，在當前震蕩市場環境中能夠較好地滿足投資者追求穩健回報的理財需求。專注債市 謀求穩健收益華泰柏瑞季季紅債券基金主要投資于國債、金融債、央行票據、企業債、公司債等具有良好流動性的固定收益類金融工具，但不參與股票投資，也不直接在二級市場買入可轉債和權證。根據國金基金研究中心的分類標準，華泰柏瑞季季紅基金屬於完全債券型基金（即通常所說的純債基金）。完全債券型基金在市場下跌的環境中能夠較好地滿足低風險投資者追求穩定收益的需求，自2012年以來持續受到市場熱捧，並逐漸成為投資熱點。從歷史表現來看，由於專注于挖掘債券市場投資機會，且不參與股票一、二級市場投資，self storage全債券型基金收益不受股市影響，而是完全來源於債券市場，業績表現也因此持續穩健。自2005年以來，完全債券型基金連續八年實現正收益，且各年度收益率表現均相對平穩。為了更好的體現債券投資的風險收益特點，我們採用債券投資收益和參考債券投資獲益能力來衡量新股申購和普通債券型基金的債券管理情況。結果顯示，無論是新股申購還是普通債券型基金，其債券投資部分均為基金業績提供了正貢獻，由此可見，立足中長期時間範圍，進行債券投資獲取穩健收益是大概率事件。就當前債券市場投資環境來看，宏觀經濟複蘇乏力及通脹低位徘徊的經濟基本面仍將對債券市場中長期行情形成支撐，而且經過近期急速調整後部分風險也得以釋放，長期配置價值隨之提升。此外，結合美林投資時鐘理論來看，下半年仍將處於經濟築底階段，經濟下行對企業盈利的衝擊將對股票構成負面影響，在此背景下債券相對股票的收益率提高。短期來看，雖然近期流動性壓力有所緩和，但受限于諸多不利因素市場利率仍難以出現明顯下降，同時在政府對經濟下滑容忍度上升的背景下，短期出台刺激經濟增長實質性政策的可能性不大，而且市場對企業信用風險、地方債務風險的擔憂也將加劇，而這恰恰有利於提高固定收益類資產的配置價值，並為華泰柏瑞季季紅基金提供了一個良好的建倉機會。實力團隊 全面保駕護航華泰柏瑞季季紅債券基金的管理人華泰柏瑞基金在公募投資領域擁有9年的運作經驗，產品線覆蓋了股票型、指數型、混合型、債券型、貨幣型、QDII等多個類型，截至2013年二季度末，公募基金管理規模近300億元。自新管理層履新以來，華泰柏瑞基金更確立固定收益為四大重點方向之一，並在去年底組建了實力強大的固定收益團隊。團隊成員搭配比較均衡，具有海外債券交易、海內外固定收益基金管理、內地固定收益基金交易、內地銀行間市場債券交易、內地企業信用評級等互補的資歷背景，其中投資總監董元星曾在全球債券市場打拼多年，堪稱行業資深人士；擬任基金經理陳東原來在深發展做外幣投資，後來在工行的金融市場部做信用債的投資和交易，2012年9月加盟華泰柏瑞基金後任華泰增利、華泰豐盛純債基金經理。新組建的華泰柏瑞固定收益團隊今年以來成績斐然，其中，華泰柏瑞穩健收益債基A類、華泰柏瑞穩本增利債基A類的回報率都在晨星排名中位列同類前15%，而華泰柏瑞貨幣A類、B類也都進入了海通證券同類前1/4（截止日期：2013-9-30）。（CIS）mini storage

Two female executives in Shanghai have received the top Women in Leadership Achievement awards of the Economic Forum of China.self storageAt a session in Shanghai recently, Dr Angela Lau, president for the Eastern and Southern Mainland of Nu Skin China, was named Leading Businesswoman of the Year.Wu Fangfang, CEO and chief designer of Shanghai Greenbox Internet Technology, was named Leading Female Entrepreneur of the Year.The WIL Economic Forum, now in its second year, promotes the economic empowerment of women and their advancement in the corporate world.The forum connects the country's business women with international trade officials and leaders and discusses business and trade opportunities. The forum discusses major issues facing women and how diversity and inclusion improve financial and managerial performance.The two-day forum also honored:Male Champion of Change: Dr Wang Huiyao, director general of the Center for China and Globalization.Most Woman-Friendly Domestic Employer: BOC International Holdings Ltd.Most Woman-Friendly International Employer: Ernst & Young.Shanghai Daily spoke to Lau and Wu and heard their stories.Angela LauPresident Eastern & Southern Mainland of Nu Skin ChinaWhen Angela Lau joined Nu Skin 22 years ago, she just concentrated on work. She never thought she would rise to the top in the company, leading more than 1,000 employees on the Chinese mainland."I didn't think much about it, just focused on my job. Be prepared and opportunities will definitely come," Lau said in an interview in her office on the 22nd floor at Shanghai's Central Plaza.Today the 51-year-old Hong Kong-born businesswoman is president of the Eastern and Southern Mainland region for Nu Skin China.US-based Nu Skin is one of world's largest and fastest growing direct sales companies, distributing anti-aging products and nutritional supplements. In 1991 it entered the Asia Pacific market in Hong Kong and in 2003 it opened retail stores in China.China sales have expanded quickly. The Shanghai office will relocate headquarters to Fengxian District where it will build a research center.Hong Kong-born and Canada-educated Lau was one of Nu Skin's earliest employees in Asia. At the age of 16, Lau went to the UK for high school, then moved to Canada for college. In 1989, she returned to Hong Kong because she loved the city's business environment."I've been growing with the company for two decades and learned a lot. It's very satisfying," she said. "Our mission is to change lives for the better and what I'm doing is very meaningful."Lau has faced many obstacles, she said, such as frequent transfers among departments and having to fit in fast to new environments.The right attitude is essential when confronting problems, she said. "Everything has two sides and you can see it positively or negatively. It depends on your mindset."Her personal motto and advice for young women is "be positive."When she is faced with a challenge, she works out vigorously at the gym and then sits down for a good think."I assess the situation in which I am stuck, look at problems and identify solutions," Lau said. "Once you list solutions, you'll find many problems are no longer problems. Sit down, take a breath, think it through. Don't panic."Lau said she never feels gender inequality in her company. "Work ability is the only criteria for a career woman, nothing else," she said. "Women are given more opportunities today, but they still have a long way to go."Lau said she looks forward to work every day and naturally rises at 6am, even on Sundays. She does morning exercises or chores before getting to work at around 9:30am."I'm lucky because I'm doing what I like," Lau said. "To me it's not really work, it's part of my life."She hosts charity events around China. Last month she was in Hebei Province where the company sponsored healthy meals for needy students. "I saw the children were happy, benefiting from our products. It really touched me. I know what I'm doing is helping people,mini storage she said.It's not easy to balance work and family, but Lau has a supportive husband. They do not have children."When we were dating, I was with the company, so he knows my job very well and understand me," she said."We also believe in quality of life. Though he's in Hong Kong and I'm in Shanghai, we have great communication and leave enough space for each other. I'm so lucky."(Wing Tan)Wu FangfangCEO and chief designer of Shanghai Greenbox Internet Technology CoChildren's wear designer Wu Fangfang is an innovator who pushes her own ideas and says, "I hate it when people say 'no, this won't work'. I always think about possibilities."Wu, 37, is CEO and chief designer of Shanghai-based children's wear company Greenbox Internet Technology Co."I have an abstract mind and I love fanciful ideas," Wu told Shanghai Daily in an interview after winning the award for Best Female Entrepreneur 2013 from the WIL Forum China.Born in a military family and fond of designing from an early age, Wu in 2002 joined a fashion studio started by her friends."I played with boys a lot and I was independent from an early age. That probably makes me strong and persistent now," Wu said.That experience made it easier to cope in a world largely run by men."Women entrepreneurs do have disadvantages in starting up," Wu said. "You are less comfortable hanging out with men and drinking. But you grow stronger along with your business."Her real career started 12 years ago when she became a mother."When I had a daughter I found there were few high quality and distinctive domestic kids' clothing brands," Wu said. "I proposed to my colleagues, many of them mothers, that we could design children's clothing by ourselves." The idea grew into Greenbox, with more than 140 shops by 2008.Stylish, artistic garments and ingenious features of Chinese legendary heroes made her company stand out.Everything was moving smoothly, and then the company was hit by the global financial crisis. Sales dropped and stock piled up. Wu made a bold decision to close some department store outlets and shift to online sales."I had amateur experience selling products online, and the prospect of interacting directly with consumers was intriguing," Wu said. "E-commerce offered many more opportunities and freedom to make our own products than did brick-and-mortar outlets."She joined the young Tmall operated by Alibaba.com, China's largest business-to-consumer platform.Now, Greenbox has a website and cooperates with nearly all major e-commerce platforms, such as jd.com, dangdang.com and yhd.com."There were quarrels with investors and offline sales agents when we restructured our business. I was struggling which way I should follow," Wu said. "Then ... I decided to run our own brand instead of merely being a merchant of kid's clothing."Wu values quality and ideas over growth and speed.After four years' annual growth of 300-400 percent, Wu decided to take a break to retrieve her original dream — to make China's best children's wear."When you go too fast you lose something," Wu said. "From last year I started to see problems accumulated from years' of fast growth."Fast expansion is meaningless when there are problems with quality, design and customer service, she said."E-commerce has gone through ups and downs because people stopped thinking when things were robust," Wu said. "Our original dream is to make China's best children's wear, and I was alarmed that many new colleagues and even older ones had forgotten."In the past year she has improved the business and is ready to push for another round of quick growth.The next step is exploring new online-to-offline (O2O) interaction."The concept of O2O is more than placing an order online and picking it up in a store, or the other way around," Wu said. "We need to find the most convenient way for people to buy our products, whether it's in-store, from a computer, or from mobile phones."Her aim is to make products available to consumers wherever they are.(Jane Feng)迷你倉