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市中心100米平均5家店上海有便利店6400余家，mini storage約每4000人就擁有一家，網點密集度堪稱全國最高。在繁華的市中心，如果以100米為半徑畫個圈，圈里起碼能有5家便利店。在緊張的生存環境中，便利店更多地將目光放在了多元化競爭和品牌塑造上。早報記者沈靚　實習生王蕾明隨著上海的便利店市場接近飽和，競爭日趨激烈，各家公司都在考慮差異化發展，其中“聯姻”動漫似乎成了首選。昨日，5家“火影忍者”限時主題便利店同時在申城開張，在此之前，奧特曼、名偵探柯南、海賊王主題店已經你方唱罷我登場……滬上新—輪“便利店之爭”，以“動漫元素”打響。主題店限時營業2個月“請拿好您的火影護照。”店員微笑著送上—張長方形卡片，供消費者收集5款不同的圖章。7月22日上午，5家羅森“火影忍者”主題便利店同時在上海開業，受到不少動漫粉絲的追捧。此次“火影忍者”主題店是限時2個月的短期店鋪，屬於羅森的暑期限定企劃，按照原著中的“火影五大國”設置，分別設營口路店、中山東—路店、福州路店、衡山路店以及天山路店，各自擁有不同的主題和特色。走進位於中山東—路的“火影忍者”主題店，動漫元素隨處可見。貨架上擺著錢夾、文件夾、眼罩等正版的火影周邊產品，冷櫃和牆壁上貼著大幅的火影人物肖像，頭頂的電視播放著土豆網上的火影動畫，還有火影人物的角色扮演者(Coser)往來穿梭，吸引了很多消費者與之合影。“55元有點貴，不過太喜歡了。”專程趕到中山東—路店的火影迷小鄒買到火影眼罩後，滿心歡喜。土豆網的數據亦凸顯出了火影的人氣。從2011年12月開始，土豆視頻網站上開始播放正版“火影忍者”動畫。到今年6月30日為止，總視聽率達到了10億次，成為了最受歡迎的動漫連續劇之—。“火影忍者是大家熟悉的、人氣非常高的動漫作品，之所以開出限時2個月的短期店鋪，是因為這種模式有新鮮感，有話題性，消費者願意搶購衍生產品。”台灣曼迪傳播有限公司國際部總監朱芳宜告訴早報記者。該公司擁有火影忍者、灼眼的夏娜、KER0R0軍曹等—批人氣動漫的亞洲版權代理和商品授權。事實上，“火影忍者店”已不是羅森在滬開設的第—家動漫主題便利店。去年6月，羅森引進家喻戶曉的日本動漫角色“奧特曼”，成功推出中國第—家動漫主題便利店。(2012年12月，“奧特曼店”從中山公園轉移至了徐家匯的美羅城。)去年11月，羅森同樣在中山公園商圈推出了第二家動漫主題店———“名偵探柯南店”。而同為外資系便利店，全家也是動漫之路的先行者。位於建國中路十字路口上的全家便利店，今年6月底剛剛卸下“海賊王”裝扮，搖身—變成了“哆啦A夢”主題店，貨架上陳列著“哆啦A夢”毛絨掛飾、立體貼紙、魔法鑰匙圈等商品。—扇粉紅色“任意門”徐self storage打開，走進店里，便瞬間置身于哆啦A夢、大寶和小靜的世界。據店員表示，“海賊王”主題店開張的時候，店里有動漫角色扮演的表演，現在為了配合“哆啦A夢”主題則特意安排了兩只巨大的“機器貓”在門口招徠顧客。此外，上海7—11便利店也曾借助“動漫元素”實現業績增長。據媒體去年報道，從0pen小將公仔到Hello Kitty等27款正版SANRI0 (三麗鷗)明星家族水鑽吊飾，再到10款授權正品的“憤怒小鳥絨毛筆”，上海7—11經過三輪“全店營銷”活動積攢了不少人氣，帶動上海7—11業績銷售同比出現兩位數的增長。滬上便利店2005年已飽和上海市流通經濟研究所所長汪亮曾直言不諱地對媒體指出，上海便利店起步時間早，在2005年就達到飽和狀態。這—年，日本NHK電視台拍攝了名為《上海便利店之爭》的紀錄片。當時全家剛進駐上海—年，內資便利店與外資品牌激勵競爭的格局愈發明顯。紀錄片中，好德便利當時的常務副總經理沈建華就告誡員工“現在進入了上海便利店的戰國時代”。而目前，滬上便利店行業競爭越發激烈。相關數據顯示，上海有便利店6400余家，平均每4000人就擁有—家，網點密集度堪稱全國最高。在上海的—般街道，如果以100米為半徑劃個圈，這個圈里起碼能擠進5家便利店。高密度、高租金、高人力成本，使得便利店面臨極大的壓力。在緊張的生存環境中，便利店更多地將目光放在了多元化競爭和品牌塑造上。隨著突出“個性”便利店時代的來到，這第二輪“便利店之爭”已經打響。羅森中國投資公司董事長、總裁三宅示修表示，1996年，羅森進駐上海，截至今年6月在中國共有372家店鋪，其中光上海就占了300家。但近年來，隨著全家加速開店攻勢、7—11便利店進駐上海，羅森的存在感—下子降了下來。據當時上海的—個便利店人氣調查排名顯示，羅森排在好德和喜士多的後面，僅處於第五位，“雖然店鋪數量每年都在增長，公司的利潤也在增加，但是便利店的服務水準正在下降”。在這種情況下，企業提出了“重新變革”的戰略，其中重要的—個環節，便是傳達新形象———與動漫主題“奧特曼”、“名偵探柯南”、“火影忍者”攜手，展現出—個富有個性、年輕活力的便利店形象。其最新的“輕鬆熊”(Rilakkuma)動漫主題便利店，也有望于8月份在上海開業。2010年，羅森在日本本土陸續開設了“新世紀福音戰士”、“魔法少女小圓”等動漫主題便利店，不僅吸引了日常顧客，還吸引了大量的動漫迷和各地旅客。動漫主題便利店在日本的成功和運營經驗的積累為羅森在國內推出動漫主題店奠定了基礎。據羅森方面介紹，“奧特曼店”和“名偵探柯南店”的日均銷售額是普通便利店的1.5倍，動漫周邊產品的銷售對提高整體業績起到了很大幫助。迷你倉

我於993期(2012/11/12∼18 P.97)及999期(2012/12/24∼31 P.97)提出輪胎的建大受益原料下跌及汽車、自行車需求上升的雙利多，存倉而看好建議讀者積極布局，之後從34.9大漲到80.7元漲幅131％，讓讀者賺到大錢，未來我看好汽車電子的4大潛力股貿聯、怡利電、立隆、敬鵬，當中立隆又受益鋁走空及利基型的SMD晶片電容器打入汽車供應鏈，敬鵬受益銅走空及汽車用的PCB打入全球前10大汽車的7大客戶，這2檔尤其立隆我認為未來是低價小飆股，建議讀者積極卡位布局。 立隆：產品轉型成功打入通訊、工業、伺服器及汽車電子4大高階應用領域，業績天蠶變，今年EPS可達1.7∼2元：一般人認為PCB、連接線器已成熟，不會有大利潤，但敬鵬因切入利基型汽車用的PCB、貿聯因切入汽車用的連接線器而業績大成長，敬鵬今年EPS約4.5∼4.8元股價自16.85大漲到53.8元、貿聯今年EPS約5.2∼5.6元自22.35大漲86元，另怡利電切入車用多媒體，今年EPS約1.6∼1.8自存倉自17.3大漲到38.65元，立隆過去主產品為鋁質電容器，主要運用在消費電子及電視終端，但積極轉型切入通訊、工業、伺服器及汽車電子4大高階領域提高ASP，果然EPS由過去(95∼98年)約損益兩平到99∼101年跳升到0.8∼1.8元，在汽車電子布局超過5年，已獲歐美日國際第1階(tier 1)車電零配件大廠認證後，正式進入開花結果，供應關鍵車電模組所需SMD型晶片電容產品，因認證耗時、且基於安全性，一通過認證客戶下單後，訂單就會持續增加、且不會輕易更改客戶，同時也打入智慧電網的智慧電表產品及高階伺服器，另立隆因轉投資37％立敦生產鋁質電容器所需的鋁箔而成本較一般業者低、且鋁價走空利潤更大幅擴大，Q1稅前盈餘1.37億較去年同期的1300萬大成長953％，較Q4的9900萬季增38.4％，Q1 EPS 0.89元，今年在伺服器及車用電子大爆發下，EPS將倍增到1.7∼2元，股價只自10到16.85凸顯低估。 …… 完整精采內容，詳見《萬寶周刊》1029期，全國便利商店及各大書店均有販售迷你倉新蒲崗

盧遠香　　位勢的變化只需要很短的時間。　　僅僅一個月，迷你倉新蒲崗天弘與支付寶合作的餘額寶規模就超過百億元，這讓基金業看到了互聯網“屌絲”爆發的巨大能量。餘額寶對基金業的刺激也開始讓基金業覺醒，其刺激程度甚至不亞于一場基金業的自我革命：你不擁抱新技術，市場或將無情拋棄你。　　“我們正在找京東談合作，打算在京東網開店。另外也在和財付通談合作，想做Q幣理財。”某大型基金公司市場部總監直言，“互聯網金融空間非常大，那麼多屌絲，找幾個就夠吃了。”　　在餘額寶成功案例的刺激下，與京東、騰訊等互聯網平台的合作機會，迅速成為基金業爭搶對象。　　“現在電商部門是公司的焦點，大家都在發力招兵買馬，尋求擴張和轉型。”一家規模排名前五名的電商人士透露，挺進互聯網金融是基金業競爭的新目標，面對新的平台和渠道，這將徹底顛覆傳統的銷售模式。餘額寶深度衝擊基金業　　天弘基金與支付寶合作的“增利寶&餘額寶”上線僅一個月，便上演了基金行業真正的屌絲逆襲戲碼。　　自6月13日上線以來，餘額寶每日客戶增加量約為14萬戶，資金每日增量為4億元。如今，滿一個月的餘額寶規模已經突破100億元，客戶數已經突破400萬戶。以2013年6月28日為例，餘額寶的7日年化收益率為6.084%，而銀行活期存款利率僅0.35%。前者收益17倍于後者，在滾雪球的效應下，不但支付寶里的錢可能源源不斷地轉入餘額寶，而且場外資金也可能被此相當高的收益率吸引而進入餘額寶，未來其可能成長為巨型基金。這一迅猛的擴張速度震驚了基金界。　　不少業內人士非常看好餘額寶的發展前景，認為有千億級別的成長空間。從替代性產品規模與支付寶平台滲透深度兩個維度出發，海通證券分析人士認為，“餘額寶”中短期的增長空間大約在2000億~3000億元。　　“我們開始以為支付寶不會有太大的市場前景，也就是幾個億規模，但沒想到一個月時間就沖到一百多億，客戶數達到400多萬。”深圳某基金公司市場部總監戲謔地感慨，“不能小瞧屌絲，一塊一塊地也能砸死你。”　　餘額寶的效應，徹底顛覆了基金業界的傳統印象。“以前覺得支付寶80％的用戶是女性，都是小散戶，沒多大價值，基金公司對合作的興趣不高。”某大型基金公司電子商務人士表示。　　然而，當餘額寶以迅雷不及掩耳之勢迅速擴大到上百億規模的時候，基金業內人士才有大意失荊州之感。餘額寶的聚集效應，讓基金行業看到了互聯網的力量，業界紛紛尋找可以複制的路徑。　　“餘額寶對行業的衝擊很大，這個產品出現前，基金公司的電子商務主要做網上直銷，是在金融的基礎上加入互聯網概念，比如將貨幣基金與網上自動還信用卡、房貸相綑綁等。但現在要做互聯網金融，是在互聯網平台滲入金融。”前述電子商務部人士表示。後來者轉戰京東、騰訊平台　　“天弘的餘額寶出來以後，很多基金公司都去找支付寶談合作，但因為餘額寶有6個月排它期，短期內沒法有實質進展。”前述市場部總監稱，上百億的規模，讓支付寶搖身變為白富美，如今合作的主動權由基金公司轉移到支付寶手中。　　既然無法複制天弘基金借道支付寶的餘額寶模式，基金行業開始將目光轉向京東商城、騰訊等其他互聯網平台。　　“我現在在和京東談，合作模式是在京東上開店，跟上游企業結算用貨幣基金，給沉澱資金更多增值服務。現在有60多家公司都在找京東合作。”前述深圳市場部總監透露，基金將銷售模式拓展到線上的想法和京東介入金融的思路不謀而合。　　“京東也想介入金融，他們專門成立金融事業部，希望在貿易鏈條中提供更多的金融服務，想給客戶提供增值服務，把客戶資金沉澱下來。”在前述市場部總監看來，基金和京東的合作是互惠互利，這將是個趨勢。　　除了京東商城，騰訊集團下的QQ、微信、Q幣理財中的客戶群體，同樣是基金業爭奪的目標。　　“現在我們想給Q幣做理財。財付通80%客戶是男性，用它買Q幣玩遊戲、買裝備，這些群體不是銀行的重點客戶，空間非常大。”上海某基金公司電子商務總監指出，騰訊的用戶群偏年輕，雖然單筆金額不高，但基於其龐大的用戶群，空間有足夠的想象力。　　還有一些基金公司積極籌備在微信賣基金。“支付寶依托的是淘寶廣大商家、用戶，而財付通擁有騰訊集團龐大的用戶群。這種合作模式會更開放，不僅是跟一家合作。”前述電子商務部人士認為，微信5.0推出微信支付功能，這離賣基金將更近一步。　　據瞭解，目前一些基金公司的微信迷你倉出租能已經相當完善，查淨值、份額、收益也較快，但支付功能仍是軟肋。步伐較快的博時基金的支付功能雖然已實現，但實際上是從微信界面跳轉到基金公司的WAP版網站，界面類似于APP。互聯網金融人才爭搶白熱化　　“必須從互聯網挖技術人才來開發系統，以便更快捷地處理客戶需求。我們剛從騰訊挖人過來，匯添富的班子是從財付通、支付寶挖過來的。”前述電子商務部人士稱，做互聯網金融，技術是基金公司的短板，所以必須找有互聯網背景、又稍微懂金融行業的技術人員。　　從金融互聯網到互聯網金融，基金公司顯然將面對全新的平台、全新的商業模式。電商部門的業務模式、人員結構必須做出改變。挺進互聯網，基金公司需要增加的不僅是技術人才，還有熟悉各類產品的投資顧問。　　“以前在直銷網站做銷售是將所有的產品展示出來，讓客戶做選擇。但對淘寶這類沒有金融基礎的客戶而言，這種做法會讓他們無所適從。因此，我們必須對產品進行精選。”前述電商人士介紹，他們最近從其他業務部門調動人手加入電商，“主要是在公司幹的時間比較長，對產品非常熟悉的員工。”　　電商業務擴張，還需要補充大批量的客服群體。　　“天弘的餘額寶規模做到上百億，有300多萬客戶，他們為此將客服增加至30個。”前述上海電商總監介紹，普通基金公司客服數量為3~10人不等，而互聯網金融針對的都是大批小客戶，這對客服的需求量大幅增加。　　“我們最近在招聘客服人員，但與以往強調金融專業背景不同，我們這次要找的是不懂金融、熟悉互聯網語言的群體。”某大型基金公司電子商務部負責人表示，這種轉變是基於互聯網的投資者與傳統銀行渠道的基民，有顯著的差異。　　“銀行買基金的群體很多是高帥富、對金融有一定瞭解，但互聯網群體的絕大多數是屌絲。既然面對的是屌絲群體，就要放低身段。”前述負責人認為，尋找一批不懂金融的客服，只要加以專業培訓，更能理解屌絲的疑問並用通俗的語言來應答。基金營銷轉型借道《天天向上》　　由於客戶群體的差異，電商部門的營銷模式也隨之改變。　　“我們準備8月底在淘寶網上開店，近期都在做客服培訓。淘寶、騰訊、京東等這些平台代表的是全新的商業模式，它的用戶群和傳統基民並不相同。如果按照過去介紹貨幣基金的方式說債券久期、定期存款，客戶根本聽不懂。”前述上海某基金公司電子商務總監表示。　　改變傳統的銷售模式，以適應未來的互聯網金融，這是當前基金業都意識到的問題。　　“我們對外所有的宣傳，對外的語言，都是乾巴巴冷冰冰的，嚴肅認真的，合規合法的，每家基金公司都一樣。這種宣傳只有一個好處，讓客戶迅速地辨認出這是一個金融產品，然後不假思索地關閉頁面。”前述電子商務部人士指出，不接地氣、無法打動人心是目前基金行業電商宣傳存在的問題。　　在他看來，如何淡化金融的專業色彩，拉近基金與客戶的距離是非常迫切的問題。　　“網絡金融不是拼收益，而是拼便利和用戶體驗。對於投資5000元的微個體而言，4％、5％的收益率，差別並不大。”某規模排在前五名基金公司市場部人士指出，他們已經意識到當前產品宣傳的語言風格、營銷方式完全不適合互聯網，必須尋求改變。　　而在業界看來，所謂互聯網金融業務，電子商務始終是平台，產品和用戶需求是核心，如何通過比較好的技術方式展示產品，是行業轉變銷售模式需要思考的問題。　　面對全新的平台、全新的客戶群體，電商部門近期亦在探索全新的宣傳模式。　　“鵬華、匯添富和景順長城這三家基金公司近期準備到《天天向上》宣傳貨幣基金，其中鵬華和匯添富都是電商部門在主導，重點宣傳貨幣基金。”圈內資深人士介紹，《天天向上》是湖南衛視的一檔娛樂節目，而金融是專業、枯燥、嚴肅的詞匯，基金公司選擇參與這類節目，代表的是行業開始探索新的宣傳模式。　　“我們是有意向參加《天天向上》，但我們還沒想好主題，包括節目怎麼包裝、展示哪些內容、讓誰去參加節目。”深圳一家準備參加《天天向上》節目的市場部人士介紹，金融機構與娛樂節目合作，如何將複雜、抽象的金融產品形象化，是他們目前比較苦惱的問題。而這亦是金融走向互聯網必須面對的一個問題。　　“互聯網金融不僅是電子商務的事情，要求基金公司各個部門快速響應和協同作戰能力。我們公司現在是全員出動，討論如何爭奪這塊蛋糕。”深圳一家大型券商市場部人士透露，“匯添富今年成立電商金融部，將投研人士納入進來，為以後的電商子公司做準備。”儲存倉

http://cqcbepaper.cqnews.net/cqcb/html/2013-07/22/content_1659774.htm...主城：“二環”21個大型聚居區在公租房樓盤的拉動下，儲存倉帶動區域商業樓宇開發和服務配套，讓人口、產業、交通、市政配套和公共服務“...

為吸引陸客來台觀光，迷你倉新蒲崗本週內，內政部將會銜交通部發布利多，鬆綁每年來台2次以上觀光陸客，赴國外及港澳留學生或取得當地永久居留權的大陸人士，給予來台多次入出境簽證，大陸帶團領隊也可以。專業人士方面，增列教育藝文人士，還有大眾傳播業者，可核發多次入出境簽證。預計8月1日上路，陸客來台自由行更便利，今年來台倍增突破50萬人次不是問題。行政院上週已核定大陸地區人民來台從事觀光活動許可辦法，針對赴陸客來台自由行，可給予多次入出境簽證，條件包括赴國外或港澳地區的留學生，旅居國外取得當地永久居留權迷你倉出租且有20萬元以上存款財力證明的陸客，可給予逐次加簽，或1年多次入出境簽證。另最近12個月內來台從事個人旅遊2次，且沒有違規情形的人，也可以多次入出境簽證；另大陸地區的帶團領隊也可以核發多次入出境簽證。至於大陸專業人士來台從事許可辦法，也針對教育、藝文、大眾傳播專業人士，經目的事業主管機關認為有必要，例如大學學術界校長可能需常來台學術交流，或駐點記者，可以核發多次入出境簽證。此外，小三通辦法也規定，對陸客經由小三通到金馬澎觀光，也可以核發多次入出境簽證。上述辦法均計畫於8月1日正式上路。儲存倉

【本報綜合報道】冀中星選擇「自爆」控訴社會不公，儲存引起內地輿論回響。有傳媒引述目擊者指，冀在引爆前曾大聲提醒周圍旅客躲避，顯示冀無意傷及無辜。另有網民批評廣東省公安廳責令東莞警方徹查，是自己人查自己人，呼籲紀檢部門介入，追究打人治安員的刑責。北京首都機場昨日秩序如常。（美聯社圖片）據報道，冀中星前晚抵達北京首都機場後，曾向旅客派發單張，但被阻止。冀隨後往航班到達大廳出口，將單張撒落一地，再高舉用白色膠袋裝起的炸藥。目擊者稱，冀大叫近十新蒲崗迷你倉鐘，多次示意要引爆炸藥，又提醒周圍旅客「躲遠些」。最終，冀在警員上前制止前，引爆炸藥。網民普遍表同情「他不是報復，只是要得到關注！」內地網民普遍對冀的遭遇表示同情，但並不認同以引爆方式控訴。又批評廣東省公安廳出事後才責令徹查，只是「補鑊」舉措，是典型治標不治本。並認為由東莞警方自查，結果將與東莞市政府昨發出通報的內容一樣，最終只會指治安人員打人是「證據不足」。另有網民擔憂冀中星事件恐引來更多「模仿犯」，藉在首都北京犯案，換取各界關注。mini storage

【香港商報訊】發展局局長陳茂波昨於網誌撰文，迷你倉新蒲崗解釋洪水橋新發展區發展。他表示已經聽取了要建立均衡社區、避免公營房屋比例偏高的意見，因此將洪水橋的公私營房屋比例作出修訂，新發展區將有兩個市中心，分別位於擬建的西鐵洪水橋站周邊，及毗鄰現有的天水圍站，預料兩個市中心將有大量就業機會。 承諾做好溝通工作 陳茂波指，政府早於90年代全港發展策略檢討中確認了洪水橋具有發展潛力，其後2007年公布的「香港2030：規劃遠景與策略」建議推行新發展區，以應付香港長遠的房屋需求及提供就業機會，並將洪水橋列為其中一個項目，建議作多元化發展。 「洪水橋新發展區規劃及工程研究」第二階段社區參與，於本月15日展開。陳茂波昨日表示，為了要建立均衡社區，避免公營房屋比例偏高的意見，建議洪水橋新發展區的公私營迷你倉出租屋比例是51：49，是考慮了毗鄰天水圍新市鎮公屋比較多，若將兩區合併計算，公私營房屋整體比例將是69：31。 新發展區將會有兩個市中心，主要市中心位於擬建的西鐵洪水橋站周邊，次中心則毗鄰現有西鐵天水圍站，前者將建造成為一個新界西北區域性的商業及商貿樞紐，設有大型購物商場、辦公室、酒店、其他商店和服務業，以及高密度住宅發展，後者則同時可為現時天水圍居民提供所需的額外商業設施，周邊並會作多類型的零售及商業用途。陳茂波認為，兩個市中心將有大量就業機會。 陳茂波又指出，新發展區內有四分之三可發展土地屬於私人擁有，政府對發展模式持開放態度，由於目前仍是初步規劃階段，政府未啟動任何徵地程序，收地清拆和賠償安置問題仍然言之尚早，但當局完全明白可能受影響居民的擔憂，承諾會和受影響居民做好溝通工作。儲存倉

美國聯儲局在本月17日發表了全國經濟形勢調查報告褐皮書，迷你倉顯示美國中期的經濟表現繼續以緩慢至溫和的步伐復甦。該報告是美聯儲貨幣政策決策會議的重要參考資料，加上伯南克於國會聽證會再次清晰地發表有關貨幣政策立場的言論；一如我們早前認為，美聯儲短期的貨幣政策立場仍然會是較寬鬆的貨幣政策。伯南克於今次聽證會表示了以下幾點：支持寬鬆貨幣政策：首先，他表示目前經濟只是溫和復甦，仍然容易受到意料之外的衝擊，包括全球經濟增長比目前預計的還要慢。這樣，從他的言語間可估計，經濟復甦放緩的風險增加，意味�有必要繼續推行貨幣寬鬆政策。此外，他強調美聯儲資產的購買規模，是取決於經濟和金融市場的發展狀況而改變，並表示減緩資產購買計畫，並不是目前應採取的辦法。最後，他重申若要推行緊縮貨幣政策，條件是經濟狀況必須優於預期，而且通脹水平回到設定目標的2%及失業率要下降至6.5%以下。　　在伯南克發表今次的講話後，加上就業和製造業數據優於預期，美股維持升勢。標準普爾500指數周四收盤升至1689點，再創歷史新高。全球10大經濟體中，美國和日本相信是今年能夠提供最佳投資機會文件倉國家。美股受惠於當地房地產明顯復甦的支持；安倍晉三的刺激經濟計畫使日元降至5年新低，並推升日股今年表現。10大經濟體中，除了這兩個國家外，投資者亦可留意巴西。巴西受惠辦世界盃　　巴西將會包辦2014年世界盃足球賽和2016年夏季奧林匹克運動會，為國家甚至其他國家和公司帶來直接和間接的經濟收益。直接的收益，如門票收入、電視轉播權收入、奧運廣告和商業推廣及贊助等等；間接的收益則包括受惠的不同行業，如建築、交通、地產、旅遊、科技、電訊行業等。　　世界盃和夏季奧運預計能夠提高國家經濟增長每年0.9%直至2019年，至2014年，兩項盛事將額外增加360萬個短期和長期就業崗位。另外，主辦國亦會發展舉辦城市，包括投資基礎設施。巴西政府表示將花費約96億美元，並已經開始動工，興建新的道路、鐵路、橋梁、隧道以及改善高速公路、機場及海運碼頭。因此，兩項盛事將會是巴西再次鞏固國家形象、提高國家質素和水平的機會，藉此進一步提升其經濟規模。筆者曾慶璘 簡介現為尚乘財富策劃董事兼行政總裁。從事金融界廿多年，為認可財務策劃師。enquiry@amtd.com.hk存倉

By Wang Xiaotian in Beijing and Singapore, and Li Xiang in Paris ( China Daily) More nations turn to Chinese currency for investment and trade settlement Although the money markets have gone into a tizzy recently, there have been some unrelated developments that clearly underscore the growing global influence of China's currency, the yuan also known as renminbi.self storageIndications that the yuan is well on its way to becoming an "international" currency heightened after important currency trading centers such as Paris, Luxembourg, Frankfurt, Sydney and Dubai expressed interest in becoming offshore yuan-trading centers. Major money markets, including Hong Kong, Taipei, Singapore and London, are already part of the lucrative offshore yuan-trading club."There is no doubt that the renminbi is gaining international recognition and that there is demand for it outside the Chinese mainland," says Ravi Menon, managing director of the Monetary Authority of Singapore."The expansion of offshore renminbi-funding centers as well as the setting up of swap lines between the People's Bank of China and various central banks, including the latest agreement with the UK, bear evidence to this." He says a stable and thriving Chinese economy is the best foundation on which to further the use of the yuan globally.Zhang Lei, general manager of the global payment and clearing division at Bank of China, says: "The internationalization of the yuan has entered a critical period as yuan usage is strengthening in regions outside the Asia-Pacific." Although there are several contenders, the European cities have the best credentials for bagging yuan deals, he says.Growing interest The Frankfurt-based European Central Bank is likely to enter into a swap agreement with the People's Bank of China for as much as 800 billion yuan ($130 billion), Bloomberg reported earlier this month, citing prominent lobby group Frankfurt Main Finance.The deal, four times the 200-billion-yuan agreement signed in June between the Bank of England and PBOC, is expected to give central banks from the eurozone access to yuan funds."One of the major themes of the current negotiation is whether it should be mandatory for all members of the eurozone or it is only on a volunteer basis," says Philippe Mongars, deputy director of the market operation department at the Bank of France.French President Francois Hollande said earlier that the Bank of France and the PBOC will soon reach a deal over a currency swap agreement within the framework of the ECB.Nearly 10 percent of the commercial transactions between China and France are currently settled in yuan. Banking deposits in yuan in Paris have amounted to about 10 billion, the second largest pool of such deposits in Europe, according to Paris Europlace, a professional association that supports the French financial industry and promotes Paris as an international financial center.Zhang, however, feels the eagerness and readiness of Luxemburg is more obvious because it appointed BOC as the first yuan-clearing bank in the country as early as July.Luxemburg, the world's eighth largest financial investment center and Europe's biggest fund management center, had secured yuan deposits of 20 billion yuan by January, the highest in the eurozone. Yuan loans extended in Luxemburg reached 30 billion, while local fund industries manage yuan assets of 200 billion.The largest offshore yuan center, Hong Kong, which accounts for 70 percent of overseas yuan deposits, held deposits of 698.5 billion yuan by May, according to data released by Hong Kong Monetary Authority."In financial terms, Luxembourg is even more important than Paris or London," says Nicolas Mackel, chief executive of Luxembourg for Finance, an agency that promotes Luxembourg as an international financial center. "We consider ourselves as a European hub especially in financial services. We don't do trading financing in that sense. But there are other services relating to renminbi that we could focus on." More than half of Chinese investment in Europe gets structured through Luxembourg. The increasing presence of Chinese banks will also give his country an edge, Mackel says.Luxembourg is already the European headquarters of BOC and Industrial and Commercial Bank of China.China's Construction Bank, the second-largest Chinese lender, will soon open its European headquarters there.Joachim Nagel, member of the executive board of the Deutsche Bundesbank, says the strong trading position between Germany and China has generated enough momentum for setting up an offshore yuan-trading center in Frankfurt."I believe the renminbi will develop into a global reserve currency. There is intense competition in the financial world for being a part of the renminbi trading system," says Nagel.He says the biggest challenge for contenders such as Germany would be to initially maintain a certain amount of liquidity in Frankfurt. Major multinational companies and banks could be the "ice breaker" by bringing in the desired volumes through yuan trading."The renminbi is a big currency and will play a bigger role in the future in the international market. I think the market is big enough to have multiple yuan-trading centers in Europe," Nagel says.Mongars, of the Bank of France, feels that there would not be too much competition among the major European financial centers, because the currency swap deal will serve as a back-up facility when there is a serious liquidity shortage of the yuan in the eurozone, and also negates the need for an alternative funding source.Wim Raymaekers, head of the banking market at the Society for Worldwide Interbank Financial Telecommunication, says financial institutions in the UK, France and Germany are increasingly adopting the yuan to support trade settlement by their corporate customers.Outside Europe, Dubai is likely to become another major offshore yuan-trading center after Taipei as it refocuses on its roles as a regional hub for trading, logistics and tourism, says a recent report published by Standard Chartered Bank.Financial institutions in Dubai have been actively participating in yuan deals, facilitated by the 35-billion-yuan currency swap agreement signed last year between China and the United Arab Emirates. The Dubai International Financial Centre has already introduced a payment system to allow clearing and settlement in the yuan.Peter Sun, managing director for transaction banking, Africa, at Standard Chartered, says the chances of establishin迷你倉 an offshore yuan center in Africa are also high. Mauritius, with a free flow of dollars and trading with other African countries, is becoming a new regional treasury center, and companies in Africa are moving there from the traditional locations such as London and Dubai, he says.Menon, of the monetary Authority of Singapore, says: "As the use of the renminbi expands over time in the region and beyond, there will be room for more than one offshore renminbi center. Each will have its own niche and strength." They will also play complementary roles in developing the offshore yuan market, Menon adds.For instance, "offshore renminbi liquidity in Singapore should be fungible with renminbi liquidity in other offshore centers. This will help ensure that surplus liquidity in one center can be channeled to meet the demands in another, thereby improving the efficiency of the overall renminbi market," he says.Guo Tianyong, a professor at the Central University of Finance and Economics in China, says: "Major cities around the world have become increasingly vocal on opportunities from yuan business in the past few months. The recognition and acceptance of the yuan is very encouraging if we realize that internationalization of the currency is just a three-year baby." In 2010, Beijing launched its ambitious project to float the yuan globally by allowing companies worldwide to settle their international trade in the Chinese currency.Despite the increase of yuan centers worldwide, the dominance of Hong Kong won't be threatened, as the biggest proportion of yuan flows are still conducted through the special administrative region of China, says Piyush Gupta, chief executive officer of DBS Bank Ltd, Singapore's largest commercial bank.George Chin, a professor at York University in Toronto, says central banks, governments and private investors are seeking alternative foreign exchange reserves and investment options. For traders, there are real cost efficiencies to be gained by shifting to yuan settlement.Raymaekers says the internationalization of the yuan will continue to increase in the near future, albeit with some volatility."Based on payment transactions going over SWIFT in June 2013, we see that the yuan again rose up the ranks versus other global currencies and may actually join the list of top 10 currencies soon." The Chinese currency is ranked 13th globally among world payment currencies, up from 20th in January 2012.Asian advantage An index compiled by Standard Chartered that tracks the progress of the yuan business breached 1,000 points for the first time in May.The index, which started on Dec 31, 2010, at 100 points, tracks yuan activity in Hong Kong, Singapore and London.The lender, however, indicated that overseas activities of the Chinese currency might soften in the second half, because yuan current account inflows into offshore markets ease because of the pauses in onshore yuan appreciation.According to a survey conducted by BOC in June, nearly 80 percent of its 3,000 clients said they use the yuan because they have trade relations with the Chinese mainland and would like to settle transactions in the currency, while most of the overseas clients ranked stability of the yuan exchange rate as the top factor in choosing to use the Chinese currency."Hong Kong and Singapore have yuan clearing banks and are key centers for fostering yuan-based trade settlement and investment services," says Chin of York University.Taiwan is also catching up fast. In February, Taipei became the fourth-largest offshore center for yuan settlement, behind Hong Kong, London and Singapore, up from seventh place in August 2012.Yuan payments also accounted for 12 percent of Taiwan's bilateral trade with the Chinese mainland in March 2013."Taiwan's offshore market is developing quickly. Deposits are already at 66 billion yuan and we expect them to rise to 100 to 150 billion yuan by year-end," says the Standard Chartered Bank report.There are, however, limits to how far the yuan can be internationalized through offshore channels, or via limited offshore-onshore options, Chin says. "China should not be hasty in appointing clearing banks in offshore sites." The BOC survey also showed that 90 percent of the total yuan settlements were related to companies located on the mainland, or firms with a mainland background."That means only 10 percent of the yuan settlements happen between the overseas third parties, among which most are companies from Hong Kong and Macao," says Cheng Jun, general manager of the Corporate Banking Unit at BOC.Mark Boleat, policy chairman of the City of London Corp, which oversees the running of London's business district, says that opening up the capital account and making the yuan fully convertible is a must for a prosperous offshore market. He says the quotas for the yuan qualified foreign institutional investor program (RQFII) need to be further extended to promote offshore-onshore circulation of the currency.China on July 12 announced an expansion in the quota for QFIIs to $150 billion from $80 billion. It said the pilot program for RQFII will now include Singapore and London, with Hong Kong and Taipei already having joined the plan. The RQFII quota was set at 270 billion yuan in November last year.The PBOC also announced on July 10 a set of measures to loosen controls on cross-border yuan flows under both the current and capital accounts. According to the new rules, domestic firms can apply to domestic banks to disburse the yuan overseas, while multinational companies can utilize a yuan capital pool framework to do the same.Zhang Weiwu, general manager of the Industrial and Commercial Bank of China's Singapore branch, says the fact that the yuan is not yet fully convertible determines that apart from the naturally breeding market demand, banks' product innovation and guidance to the clients will play a substantial role in promoting wider acceptance of the currency. Foreign banks also have an edge as they have a strong local customer base in offshore markets, rich trading expertise and experience."In addition, they can contribute more to the innovation of the yuan-investment products," says Fang Wenjian, CEO of Bank of China (UK) Ltd.The role of Chinese banks and that of international financial institutions will be more complementary than competitive, Fang says.Zhang Chunyan in London and Zhang Yuwei in New York contributed to this story.Contact the writers through wangxiaotian@chinadaily.com.cn文件倉

新修訂的《商品說明條例》（下稱：新商品例）上星期五生效，迷你倉此例將加強對消費者權益的保障，同時，對不法商人有阻嚇作用，有利守法的公司經營，令消費者、大部分公司、香港經濟達至三贏。本應條例只禁止將虛假商品說明應用於任何貨品，而不適用於服務。新商品例增加新的條例，禁止不良營商手法包括：誤導性遺漏、具威嚇性的營業行為、餌誘式廣告宣傳、先誘後轉銷售行為及不當地接受付款。過去，旅客被強迫購物，消費者被美容或健身公司餌誘然後威嚇性推銷套票，酒店美食會籍誤導性推廣，藥材店價格以�代斤等惡行，影響香港市民購物的樂趣及破壞香港購物天堂的美譽。新商品例有助市場公平營商，任何人如觸犯公平營商罪行，一經循公訴程序定罪，可處罰款50 萬元及監禁5 年。有了新商品例，市民及到港遊客的購物保障得以提高，雖然如此，大眾在購物時亦要保持警覺，避免無謂的損失。現時部分市民習慣瀏覽網上討論區後到店舖購物，新商品例實施後，希望杜絕少數不法公司聘請網絡打手「唱好抹黑」。不法公司可能仍會要求網絡打手以文件倉僱形式合作，當問題出現時，自僱打手容易墜入法網。新商品例影響廣泛，除了消費者、旅客、不法或守法商人，更有自僱網路打手、市場推廣等人士。業界反映對條例仍有不清楚的地方，海關要盡快跟進及守法商人要加快適應，令公司職員習慣新商品例，避免習以為常的「全店半價」、「今天半價」等宣傳口號誤犯法例。當市場受規範一段時候後，對守法的零售商影響微乎其微。市民更安心購物，有利香港零售市場及建立國際購物天堂的優勢。當大眾享受本港購物樂趣時，長遠有利香港經濟發展。內地問題奶粉事件，正正反映市場缺乏對消費者的保障，不利本土消費，有損經濟發展。本港零售股亦受新商品例影響，新例對零售業更有規範，有利行業發展。以旅遊業為例，過去小型旅行社常見的機位超額收訂情況，將可能減少，而大型旅行社議價或訂機位能力較高，有利大型旅行社發展，以提升市場佔有率。上星期六多份報章報道和黃（013）計劃出售旗下百佳超市，如有興趣了解百佳前景的讀者可留意明天文章。林國泰retailfun66@gmail.com存倉

英國女子約尼克受旅遊公司的整容假期宣傳吸引，self storage前年起兩次到波蘭旅遊，接受腹部抽脂及隆胸手術。但她接受腹部抽脂手術後，胃部竟留下一個大洞逾三個月，隆胸手術更將她胸部縮小。她之後向旅遊公司投訴，獲回應指公司只負責旅遊及醫院安排，其餘不負責。（綜合報道）

Our editors will be looking ahead today to these developing stories .迷你倉出租..Lawmakers briefed on reform of travel agenciesMembers of the Legislative Council’s economic development panel are expected to be briefed on the latest proposals to tighten controls over travel agencies that operate mainland inbound tour groups. It is part of a plan to overhaul the regulatory system by replacing the Travel Industry Council with a travel industry authority. The government hopes the authority can start operations as soon as 2015. Panel members will also be given updates on marine safety measures prompted after the Lamma boat collision in October that claimed 39 lives.Jasper Tsang to review Legco’s workThe president of the Legislative Council, Jasper Tsang Yok-sing, is expected to review the legislature’s relations with the government and the work of the lawmaking body over the past year in an end-of-legislative-session press conference today.EU discusses blacklisting HezbollahEuropean Union foreign ministers are set to decide whether or not to add the military wing of Lebanon’s Hezbollah to its black list of terrorist groups, according to diplomatic sources. Unanimity is required to add the Lebanese group to the dozen people and score of groups currently subject to an EU asset freeze – including Palestinian Islamist movement Hamas and Colombia’s FARC guerillas. Another diplomatic source said Ireland and Malta were holding out but that儲存倉Austria appeared to have dropped objections to the push led by Britain, France and the Netherlands. The positions of the Czech Republic, which has changed government, and Slovakia were unclear.Pope seeks to inspire young in land of sambaPope Francis, who became the Catholic church’s first pontiff from the Americas in March, will turn the crescent-shaped shoreline of Copacabana beach in Brazil into a giant stage for his first international trip as pope as he presides over the church’s World Youth Day festival. More than a million young Catholics are expected to flock to Rio to celebrate their new pope. The city overseen by the giant Christ the Redeemer statue has mobilised thousands of soldiers and police to make sure the visit goes smoothly, even as violent anti-government protests continue to erupt a month after Brazil saw mass demonstrations nationwide.Second anniversary of mass killings in NorwayNorway marks the second anniversary of the bombing and mass shooting at a youth camp on Utoya Island, in which 77 people were killed. The Oslo government has invited artists around the world to submit ideas for memorials to mark the attacks. Two are planned, one in the government quarter in Oslo where eight people were killed and 209 injured on July 22, 2011, when a car bomb planted by Anders Behring Breivik exploded, and the other in the Hole district within sight of Utoya island, where Breivik shot dead 69 and injured 110.迷你倉沙田