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祖庙石湾张槎桂城街道治疗尿道炎多少钱南海区妇幼保健院男科挂号Finance and Economics;Spanish banks;The long kiss goodnight;财经;西班牙业;漫长的晚安吻别;A bank merger sheds fresh light on a sickly industry;合并为沉疴已久的西班牙业带来一丝曙光;It may be Spains most short-lived public company. Just a few months after its July debut on the Spanish stockmarket, Banca Cívica this week agreed to sell itself to CaixaBank, a larger rival, at an 11% discount to its market price. The “take-under” is a sharp reminder of Spains property woes.它可能是西班牙史上最短命的上市公司。就在本周,Banca Cívica同意以低于市价11%的折扣把自己出售给其强劲的竞争对手Caixa,此时距离它去年七月在在西班牙股票市场首次公开发行仅过去不过数月。Banca Cívica的“贱卖”让人们猛然想起了哀鸿遍野的西班牙地产市场。Banca Cívica listed in the first place to meet capital targets set by the then Spanish government. Now it is one of the first casualties of rules set by the new government to get banks to set aside provisions and capital worth 50 billion Euro(66 billion Dollar) to cover losses on dud property loans. Faced with a capital and provisioning shortfall of 2 billion Euro, Banca Cívica accepted an all-share deal that valued it at a third of its book value. The combined entity will become Spains largest bank by assets, with around 15% of the retail market.前任西班牙政府制定的资本充足率目标对业影响甚广,首当其冲的便是Banca Cívica。新届政府成立后,又要求业对不良房地产贷款计提价值500亿欧元(660亿美元)资本的坏账准备金。由于资本不足,Banca Cívica的坏账准备金面临着20亿欧元的缺口,只得接受换股收购,以账面价值三分之一的价格将自己出售。合并后的企业实体以资产来计将成为西班牙最大的,占据大约15%的零售市场The deal may not be good for Cívicas shareholders, but it is positive for the system as a whole that a stronger bank is using its excess capital to clean up a weaker one. As part of the deal, CaixaBank will write down 3.4 billion Euro of Banca Cívicas assets, 3 billion Euro of which relates to property loans and foreclosures—more than the amount Banca Cívica was officially supposed to set aside and a sign that the current provisioning targets might still be insufficient. CaixaBank can afford to take the hit. Its core capital will drop by 1.7 percentage points, yet it is still on track to meet the 9% core-capital mark demanded by European regulators by the summer.这笔交易或许不符合Banca Cívica股东们的利益,但对整个市场来说却是个积极的信号,因为一家强大的将用它多余的资本为另一家虚弱清理不良贷款。作为交易的一部分,Caixa会对Banca Cívica的资产减记34亿欧元,这当中有30亿欧元与房地产贷款以及抵押品停止赎回有关——超过了之前Banca Cívica官方估计的处理金额,这很可能预示着目前的坏账准备金目标仍过低。Caixa能够承受这一资产减值的打击,虽然它的核心资本充足率将因此下降1.7%,但仍满足今年夏天欧洲央行规定的9%的的目标。Capital elsewhere is scarce, however. Most other lenders lack CaixaBanks powerful balance-sheet: they are focused on meeting a March 31st deadline to present their plans to the Bank of Spain on how to meet the new provisioning requirements. And just like its predecessor, the government is trying to minimise the cost of bank rescues to the taxpayer and to the countrys public finances, now firmly back in the bond-market spotlight. “Unfortunately, the capacity to recognise losses is extremely limited because, as things stand, there is no capital, private or public, for a convincing recapitalisation,” worries Tano Santos of Columbia University.然而,对于其他而言,资本仍很是稀缺。许多都没有Caixa那样强劲的资产负债表:它们正专注于在3月31日大限前向西班牙央行提交一份方案,说明自己如何实现新的准备金要求。和前任政府的做法相同,现任政府试图将附加于纳税人和国家财政身上的的救助成本最小化。政府力图重返债券市场的做法使其备受关注。“不幸的是,西班牙确认资产损失的能力有限。目前看来,无论是私人资本还是政府资金都十分欠缺,这让资本重组显得不可信。”哥伦比亚大学的塔诺桑托斯担忧地说道。The government used money from an industry-backed deposit guarantee fund (FGD) to inject capital and guarantee risky assets during the sale of two nationalised banks, Banco CAM and Unnim. Three more nationalised lenders will soon be auctioned and will also need money to smooth the way. But the pot is now nearly empty. The FGD could ask for extraordinary contributions from banks or raise debt backed by future annual contributions. But bankers grumble that this is like trying to get a sick patient to cure himself.政府在出售CAM和Unnim这两家国有的过程中,动用了业发起成立的储蓄担保基金(FGD)来为它们注入资本,并且为风险资产提供担保。另外三家国有很快也会被拍卖,这也需要钱来铺路。但是储蓄担保基金现在已经用的快见底了。FGD有两条路可以走:或者要求各家提供额外的资金;又或者以各未来每年注资的形式作担保来发行债券。但家们纷纷抱怨,这种做法好是比让病人自己抢救自己。One source of concern is BFA Bankia, which listed the day before Banca Cívica last summer and faces a provisioning and capital shortfall of 5.1 billion Euro. After deducting provisions aly taken in 2011, asset sales and the recent swap of preference shares in its parent group, BFA, for Bankia shares, the shortfall is closer to 2.7 billion Euro. Speculation that it might merge with CaixaBank was quashed by the latters deal with Cívica, but rumours swirl about other mergers.BFA Bankia现在尤其令人担忧。这家在去年夏天仅比Banca Cívica早一天上市。它面临的准备金和资本短缺达到了51亿欧元。该在2011年通过资产出售和向母公司互换优先股的方式筹集了一部分准备金,但仍面临着27亿欧元的资金缺口。此前曾有传言Caixa将与BFA Bankia进行合并,尽管随后发生的CaixaBank 与Cívica的合并交易使得谣言不攻自破,但有关其并购的各种传闻依然甚嚣尘上。Bankia says it can make it on its own. The shortfall will be covered by a combination of profits, balance-sheet shrinkage and more asset sales and preference-share swaps. Rodrigo Rato, the chairman, downplayed the challenges in its 2011 results presentation. “Bankia doesnt represent a systemic problem,” he said. “Bankia is systemic, but it isnt a problem.”Bankia宣称它完全能自力更生地筹集到准备金,短缺的资金将由未来盈利、收缩资产负债表以及出售资产和优先股互换来弥补。Bankia的董事局主席罗德里格拉托在2011年的业绩发布会上轻描淡写地谈起面临的挑战。“Bankia不存在系统性问题”他说道。“Bankia的确是一家系统性,但它不是问题。”All of which leaves the new government in a similar bind to the old one. Forcing a rapid clean-up of the sector risks soaking up scarce public money. But leaving the banks to muddle their way through has costs, too. Although the European Central Banks three-year loan programme has eased funding pressures on Spanish banks, a credit crunch is under way. Listed Spanish banks shrank their loan books by 3.7% in 2011, according to estimates by Exane BNP Paribas, an investment firm which expects the trend to continue this year and next. That risks worsening the economic situation, and the losses that lenders face. Tightening the screws on provisions is an important step, but the government may yet need another reform plan.所有这一切使得新政府陷入了一个与其前任相似的困境中。对风险资产的快速清理会导致公众资金的严重短缺。然而,如果放任业稀里糊涂地进行自救,也有各种各样的成本。尽管欧洲央行的三年期贷款项目已经缓解了西班牙的资金压力,但是信贷紧缩已经不可避免。根据法国巴黎的的估计,在2011年,西班牙上市的贷款发放收缩了3.7%。这家投行还预计,贷款紧缩趋势在今明两年仍会持续。信贷紧缩风险会进一步恶化经济环境,加剧的损失。要求提高准备金对于改革来说是关键一步,但是西班牙政府可能到了需要一个新的改革计划的时候了。 /201306/242476佛山市顺德区中医院治疗前列腺疾病多少钱 E-commerce电子商务Tencent’s worth腾讯的价值A Chinese internet firm finds a better way to make money一家中国互联网公司找到了更好的赚钱方式Sep 21st 2013 | SHANGHAI |From the print editionIS TENCENT one of the world’s greatest internet firms? There are grounds for scepticism. The Chinese gaming and social-media firm started in the same way many local internet firms have: by copying Western success. QQ, its instant-messaging service, was a clone of ICQ, an Israeli invention acquired by AOL of America. And unlike global internet giants such as Google and Twitter, Tencent still makes its money in its protected home market.腾讯是世界上最大的互联网公司之一吗?有持怀疑态度的理由。这个中国游戏和社交媒体公司跟许多本土互联网公司一样以同样的方式起步:通过抄袭西方的成功模式。腾讯的即时通讯务QQ是一家被美国AOL收购的以色列发明的ICQ的翻版。而区别于谷歌和twitter等全球互联网巨头,腾讯仍然只在受保护的本土市场圈钱。Yet the Chinese firm’s stockmarket valuation briefly crossed the 0 billion mark this week for the first time. Given that the valuation of Facebook, the world’s leading social-media firm, itself crossed that threshold only a few weeks ago, it is reasonable to wonder whether Tencent is worth so much. However, Tencent now has bigger revenues and profits than Facebook. In the first half of this year Tencent enjoyed revenues of .5 billion and gross profits of .5 billion, whereas Facebook saw revenues of .3 billion and gross profits of 5m.然而,这家中国公司的股市估值这周首次超过了1000亿美元大关。鉴于全球领先的社交媒体公司facebook的估值只在几周之前才跨过这道门槛,所以换衣腾讯的市值是有道理的。然而,腾讯现在的收入和利润都比facebook多。今年前半年腾讯营收达到45亿美元,而总利润达到25亿美元,而facebook营收只有33亿美元,总利润只有9.35亿美元。The Chinese firm’s market value reflects the phenomenal rise in its share price. A study out this week from the Boston Consulting Group found that Tencent had the highest shareholder total return (share-price appreciation plus dividends) of any large firm globally from 2008 to 2012—topping Amazon and even Apple.这家中国公司的市场价值反映在其股价的惊人崛起上。这周波士顿咨询集团的一项研究发现,自2008年到2012年,在全球所有大公司中,腾讯拥有最高的股东总回报(股价升值加上分红),超过了亚马逊甚至苹果。Tencent has created a better business model than its Western peers. Many internet firms build a customer base by giving things away, be they search results or social-networking tools. They then seek to monetise their users, usually turning to online advertising. Google is a glorious example. Other firms try to make e-commerce work. But as the case of revenue-rich but profit-poor Amazon suggests, this can also be a hard slog.腾讯比起西方同行创造了一个更好的商业模式。许多互联网公司基于送给人们东西作为搜索结果或者社交工具来让其成为消费者。他们接着寻求在他们用户身上套现,通常是提供在线广告。谷歌就是一个光辉典范。其他公司尝试电子商务活动。但是收入丰富但是利润甚微的亚马逊表明这也是一条艰难的路。Tencent does give its services away: QQ is used by 800m people, and its WeChat social-networking app (which initially resembled America’s WhatsApp) has several hundred million users. What makes it different from Western rivals is the way it uses these to peddle online games and other revenue-raising offerings.腾讯也给用户提供务,有8亿人使用QQ,其微信社交应用(最初类似于Whatsapp)有几百万用户。其区别于西方对手的招数在于使用这些工具兜售在线游戏以及其他增加收入的务。Once users are hooked on a popular game, Tencent then persuades them to pay for “value-added services” such as fancy weapons, snazzy costumes for their avatars and online VIP rooms. Whereas its peers are still making most of their money from advertising, Fathom China, a research firm, reckons Tencent gets 80% of its revenues from such kit (see chart).一旦用户迷上一个受欢迎的游戏,腾讯就会劝说他们为增值务付钱,比如更花哨的武器,他们卡通形象时髦的衣还有在线VIP房间。鉴于其通航扔人通过广告赚钱,一家调查公司Fathom China认为腾讯通过上述工具的收益占到总收益的80%。This year China has overtaken America to become the world’s biggest e-commerce market, in terms of sales. It is also now the biggest market for smartphones. This means it may soon have the world’s dominant market in “m-commerce”, purchases on mobile devices.今年中国超过美国成为世界上销售额最大的电子商务市场。现在中国也是世界上最大的智能手机市场。这意味着中国可能很快成为世界上移动付市场的主导市场。Tencent’s main rivals in Chinese m-commerce are Baidu, which dominates search on desktop computers (helped by the government’s suppression of Google) and Alibaba, an e-commerce giant now preparing for a huge share offering. All three have gone on acquisition sprees, in an attempt to lead the market. The big worry for investors is the cost of this arms race.腾讯在中国移动付市场的最大对手是百度,主导了桌面电脑搜索市场(受益于中国政府对谷歌的镇压),还有阿里巴巴,现在准备上市的电商巨头。这三个公司正在进行疯狂收购,试图主导市场。投资者最大的担忧就是这场军备竞赛的成本。Alibaba recently invested 0m in AutoNavi, an online-mapping firm, and nearly 0m in Sina Weibo, China’s equivalent of Twitter. Baidu has been even more ambitious, spending .85 billion to buy 91 Wireless, the country’s biggest third-party store for smartphone apps, and 0m for PPS, an online- firm.阿里巴巴最近向高德地图投资3亿美元,向新浪微投资6亿美元。百度更有野心,花费18.5亿美元购买了中国最大的第三方智能手机软件商店91无线,同时花费3.7亿美元购买了在线视频公司PPS。Tencent may have an edge over its two rivals in m-commerce because of the wild popularity of WeChat, which is used on mobile phones. But to ensure it stays in the race, it is also spending heavily. On September 16th it said it will spend 8m to acquire a big stake in Sogou, an online-search firm; it plans to merge its own flagging search engine (aptly named Soso) into the venture. It had previously invested in Didi Dache, China’s largest taxi-hailing app, and is rumoured to be interested in online travel and dating firms too.腾讯在移动付方面比起它的两个竞争对手可能有优势,由于微信在智能手机上的流行。但是为了保其留在竞争中,腾讯也花费重金。9月16日,腾讯表示它将花费4.48亿美元购买在线搜索公司搜一大笔股份,计划将其萎靡不振的搜索引擎搜搜合并到合资企业中。此前,腾讯投资中国最大的打车应用滴滴打车,传言对在线旅游和约会公司也有兴趣。The three Goliaths are buying up innovative firms because they are too big and bureaucratic to create things themselves, mutter some entrepreneurs (presumably not those being bought out handsomely). A more pressing worry for Tencent’s shareholders is that its lavish spending, on top of heavy investment in improving its unimpressive e-commerce offerings, will eat into profits. Worse, the m-commerce arms race risks distracting it from gaming and value-added services, the cash cows that are paying for everything else. A 0 billion valuation might then seem too rich.一些企业家说到,这三个巨头购买创新型企业因为他们太大太官僚,很难自己创造事物。大概不是出资那些被收购的公司之口。腾讯股东更担心的是公司花费大量资金,投资改善其不起眼的电子商务产品会侵吞利润。更糟糕的是,移动付市场的军备竞赛风险分散了其在游戏和增值务商的注意力,公司正在投资其他东西。1000亿美元的估值可能太高了。 /201309/257971顺德区乐从医院治疗生殖感染价格

陈村均安杏坛镇包皮手术多少钱People who think about language talk about how the sounds of words bear no relation to objects in the world.人们认为谈论语言的单词读音和世界上的所指物之间不存在必然关系。Indeed, this has been a leading assumption in much of modern literary criticism, philosophy, and even linguistics. 事实上,这一直是众多现代文学批评、哲学,甚至语言学的一项主要假设。Not necessarily so, says Brent Berlin, an anthropologist at the University of Georgia in Athens.然而雅典乔治亚大学的人类学家布伦特·柏林却表示未必就是如此。Berlin suspected that there was more than an arbitrary connection between word sounds and the physical characteristics of objects being described,柏林怀疑单词读音和被描述对象的物理特征间不只是随意关系,and he set up an experiment to test his hypothesis.而且他以实验来验自己的假说。First, he examined the words for two animals, the tapir and the squirrel, in 19 South American Indian languages.首先,他仔细检查了19种南美印第安语言中貘和松鼠两种动物的单词。He was searching for similarities in sound-pattern.他正在寻找的是相似的语音模式。In 14 of those languages, the tapir--which is a big, slow-moving beast--was given a name with the sound ;aah,; whereas the small, quick squirrel was given a name based on the sound ;ee.;在14种语言中,体型庞大,缓慢移动的野兽貘的名字中被赋予了“aah”,而体型娇小,行动迅速的松鼠则被冠以“ee”的名字。Next, to see if these sound-meanings could be generalized,接下来要做的是验这些声音的含义是否可能具有广义性,Berlin the unfamiliar words to a group of English speaking test subjects,柏林为一群英语口语测试者朗读不熟悉的单词,asking them to guess which word meant ;squirrel.;让他们猜猜哪个词的意思是“松鼠。”He reasoned that if word and object are arbitrarily connected by language, the result should be random; sometimes right, sometimes wrong.他推断如果单词和对象之间通过语言是随意的关系存在,那结果应该是随机的;时对时错。In fact he found a greater-than-chance-level number of correct guesses.但事实上他发现大于偶然次数的正确猜测。And something else interesting showed up: when he used words from the five languages that didnt fit the original ;aah;-;ee; pattern,而且更为的有趣发现是:当他使用来自五种语言不符合原来的“aah”- “ee”模式单词时,the subjects responses were indeed random--unless the ;ee; sound happened to be present, in which case they tended to guess ;squirrel.; 受试者们的反应确实是随机的,除非“ee”声碰巧出现,在这种情况下,他们更倾向于猜测“松鼠”。 201311/263762顺德人民医院是私人医院吗 三水中医院看泌尿科怎么样

广东佛山市男科妇科网上预约Science and technology科学技术Hotel hygiene旅馆卫生Mind the remote当心遥控器The next time you check in…下次你在办理入住手续的时候…NO ONE likes to think about who was in their hotel room before them, let alone what they got up to.没人愿意想象在他们入住旅馆之前有人在里面待过,更不愿去想那些人在房间里干了些什么,The best to hope for is that your lodgings are clean and hygienic.如果房间干净卫生就谢天谢地了。But are they? Researchers from the University of Houston have probed the cleanliness of rooms, exposing the most—and least—filthy surfaces.可是事实真的如此吗?休斯顿大学的研究者调查了客房的洁净度,揭露了那些最肮脏的地方。After swabbing samples from hotel rooms in Indiana, Texas and South Carolina, they found the TV remote control and the bedside-lamp switch were among the most contaminated.他们分别在印第安纳州、德克萨斯州和南卡莱罗纳州的旅馆客房提取了样品,然后发现其中的电视遥控器和床头灯开关是最脏的,The toilet, bathroom sink and items from the housekeepers carts also had high levels of bacteria.厕所、洗手池和保洁员手推车里的物品也是细菌量较高的地方,Maids mops and sponges were thought to pose the greatest threat as they could cause cross-contamination between rooms.研究人员认为最大的威胁来自保洁员的拖把和海绵,因为它们可能造成各房间的交叉污染,Some of the cleanest surfaces included the bed headboard and the bathroom-door handle.而床头板和浴室门把手等地方是最干净的。Katie Kirsch, an undergraduate who this week presented the results to the general meeting of the American Society for Microbiology, cautioned that the data were limited by a small sample size:大学生Katie Kirsch这周在美国微生物学会的全体大会上提交了研究结果,值得注意的是,他们只在每个州的三家旅馆进行了调查,样本太少所以数据有一定限制。only three hotel rooms were tested in each state. Within each room the same 19 surfaces were tested for aerobic and coliform bacteria.他们在每间房取19个相同的地方进行有氧大肠菌群测试,No infectious diseases were tested for and the presence of bacteria is not necessarily a health threat.他们没有进行传染病测试,因为这里的细菌不大会引发健康威胁,Indeed, humans have always lived with bacteria.事实也确实如此,我们每天都和细菌生活在一起。As a whole, Ms Kirsch thought hoteliers maintained a high level of sanitation.总的来说,Kirsch认为旅馆老板把环境卫生维持在一个较高的标准,But the researchers, who included members of Purdue University and the University of South Carolina, were concerned that there is no universal cleaning process for hotels.但是包括普渡大学和南卡莱罗纳大学在内的一些研究人员担心旅馆没有一个通用的保洁程序,Standards are largely down to the beady eye of individual housekeepers.卫生标准的高低很大程度上取决于个别管家的警觉性,They suggested applying Hazard Analysis and Critical Control Points, a preventive approach to reducing the risk of physical, chemical and biological hazards.所以他们建议采用“危害分析和关键环节控制点”这种预防方法来减少物理、化学和生物方面的威胁,HACCP was drawn up by NASA, Americas space agency, to ensure the safety of food for astronauts.HACCP由美国宇航局NASA起草,起初是用来确保航天员的食品安全,Since then it has been adopted by a number of industries.后来被各个行业广泛采用。But is cleaning a hotel room really rocket science?打扫旅馆房间是一件很复杂的事吗?Good hotels value a reputation for cleanliness, and people can easily discover online those that are filthy.好旅馆会在整洁方面很重视自己的名声,并且人们很容易在网上发现那些较脏的旅馆。Paranoia about cleanliness has aly risen to the point that sterile modern living can make people sick by weakening their immune systems.一些重视清洁的偏执狂已经上升到打造无菌生活的层面,但这样会削弱他们的免疫系统使他们更容易生病,The odd night in a roach motel might even do some people a bit of good.所以在出没的汽车旅馆度过一个不平凡的夜晚甚至可能对某些人更有益处。 /201402/275475 佛山市顺德区妇幼保健医院电话预约佛山男科好医院

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