Financial

Red rice Note2 maintenance price of 875 yuan to buy expensive distances than user dissatisfaction 纨绔长公主

Red rice Note2 maintenance price of 875 yuan to buy expensive: distances than user dissatisfaction – IT times Wu Yuxin mobile phone has been a series of red rice millet’s best-selling products, released in August 13th last year, red rice Note2, spot 800 thousand units sold out in 12 hours. But in the sales performance in the limelight, red rice Note2 is ill fated, first in "change the screen door", after being broke is not stable, dropping Wi-Fi. Recently, red rice mobile phone after-sales service also caused dissatisfaction. "699 yuan to buy red rice Note2, voice, SMS functions are normal, but WLAN can not open, sent to repair after being told to repair costs to 875 yuan."." Recently, Mr. Wang complained to the "IT times" reporter. He said that the repair of mobile phones is really not repaired, it is better to buy a new one. Last year, double eleven, Mr. Wang snapped up a mobile 4G version of red rice Note2 in Millet official flagship store, with a few months found that WLAN option has been unable to open, the connection is not Wi-Fi. So, Mr. Wang contact millet aftermarket, before the Spring Festival will send mobile phones to millet Beijing after-sales service point for testing. "Testers say that the WLAN option cannot be opened because the human factors cause the motherboard to bend, not within the warranty. If you want to repair, I need to pay 875 yuan, do not pay the phone back. Although I was snapped up 699 yuan, but the official price is only 799 yuan, maintenance costs actually 875 yuan!" Can not accept the price maintenance Mr. Wang called millet official flagship store customer service staff, the other said: "the mobile phone is man-made board bending was not able to access the Internet, and the host is one of the inner and outer screen, so you have to change." Mr. Wang wanted to understand the specific results of mobile phone testing, he repeatedly communicated with customer service, hoping to contact the test of their own mobile phone engineers, but repeatedly ten times did not contact. Mr. Wang gradually lost patience, until now, the phone is still in Beijing after-sales service point, in the end repair or not repair? Mr. Wang is in a dilemma. Why do you change the phone screen when you repair the motherboard? When the reporter contacted millet after-sales customer service, has become a different saying. After sales customer service told the IT Times reporter: red rice Note2 motherboard reference price at 570 yuan, a total of 330 yuan inside and outside the screen, including screen change labor costs 40 yuan, a total of 900 yuan, the motherboard is broken, only for the motherboard, you can not change the screen." Located in Shanghai, Putuo District, millet authorized after-sales repair staff told the "IT times" reporter: "motherboard bending only for the motherboard, maintenance price is 580 yuan, labor costs 40 yuan, a total of 620 yuan."." As for why the price is so high, the maintenance staff responded: "the company set the price, we also have no way."."

红米Note2维修价875元:修比买贵 用户不满   ■IT时报 吴雨欣   红米系列手机一直是小米公司的畅销产品,去年8月13日发布的红米Note2,80万台现货在12小时内被一抢而空。但在大红大紫的销售成绩后,红米Note2却是命运多舛,先是深陷“换屏门”,后被爆出Wi-Fi不稳定、掉线等问题。最近,红米手机的售后服务也引起用户的不满。   “699元买的红米Note2,语音、短信功能都是正常的,只是WLAN打不开,送去维修后却被告知维修费要875元。”近日,用户王先生向《IT时报》记者投诉,他说修手机真是修不起,还不如买个新的。   去年双十一,王先生在小米官方旗舰店抢购到了一台移动4G版红米Note2,用了没几个月发现WLAN选项一直打不开,连接不上Wi-Fi。于是,王先生联系小米售后,在春节前将手机寄至小米北京售后服务点进行检测。   “检测人员说WLAN选项打不开是因为人为因素造成主板弯曲,不属于保修范围之内。如果要修,需要我付875元,不交钱就把手机退回来。我虽然是699元抢购的,可官方售价也才799元啊,维修费居然要875元!”无法接受维修价格的王先生致电小米官方旗舰店的客服人员,对方称:“手机是人为原因导致主板弯曲才无法上网,而且主机是一体的,所以屏幕的内屏及外屏都要换。”   王先生想了解手机检测的具体结果,他多次同客服沟通希望能联系上检测自己手机的工程师,但反反复复十几次也没联系上。王先生渐渐失去耐心,直到现在,手机还在北京售后服务点,到底修还是不修?王先生陷入两难。   修主板为什么还要换掉手机屏幕?当记者联系到小米售后客服时,又变成了另一种说法。售后客服告诉《IT时报》记者:“红米Note2主板的参考价格在570元,内外屏共330元,含换屏人工费40元,总计900元,主板坏了只换主板即可,不用换屏幕。”位于上海市普陀区的小米授权售后维修点的工作人员告诉《IT时报》记者:“主板弯曲只换主板即可,维修价格是580元,人工费40元,共620元。”至于价格为什么这么高,维修点工作人员回应:“公司定的价格,我们也没办法。”相关的主题文章:

Non limited purchase of the city can enjoy 20% payment to digest the property market, but also rely 疯狂猜成语生日反斗

Non limited purchase of the city can enjoy 20% payment to digest the property market inventory, also rely on migrant workers morning news reporter Lin Jinyu Xie Lei in the Chinese people return home for the new year, and another property deregulation policy, targeted support for the downturn of the two or three line city. In the face of such a huge positive, with the hard-earned money home migrant workers will not be home to the huge inventory of heart? How much housing demand can the villagers pull? Yesterday, the central bank issued "adjust individual housing loan policy related issues notice", further reduce the "no purchase" city Shoufu proportion, the first suite minimum can reach 20%. However, this policy has nothing to do with the purchase of the city of, which means that Shanghai continues to implement the original loan policy. Non purchase city can enjoy 20% Shoufu the central bank said in the implementation of the restriction measures in the city, residents’ families for the purchase of ordinary housing commercial housing loans to individuals, in principle, the minimum down payment ratio of 25%, down 5 percentage points over the floating; to have 1 sets of housing and housing loans outstanding households, the purchase of ordinary housing to improve the living conditions of re apply for commercial housing loans to individuals, to adjust the minimum down payment ratio is not less than 30%. For the implementation of the "restriction" measures in the city, the individual housing loan policy implemented according to the original provisions. In other words, Shanghai, Beijing, Guangzhou, Shenzhen, Sanya and other five restricted City mortgage policy has not changed. The policy at the same time, the people’s Bank of China Banking Regulatory Commission, the agency should be in accordance with the guidance, due to the policy of "principle, strengthen the communication with local government, to guide the market interest rate pricing provincial self-discipline mechanism combined with the local actual situation of different city autonomy to determine the minimum area of the first commercial personal housing loan payment. Banking financial institutions should be combined with the lowest first to determine the market interest rate pricing mechanism of the provincial self-discipline payment requirements and the mechanism of commercial individual housing loans policy, risk control and other factors, and based on the borrower’s credit status, repayment ability, reasonably determine the specific proportion of down payment and interest rates. Strengthen macro Prudential Management of housing finance. The people’s Bank of China Banking Regulatory Commission, the agency should strengthen the real estate credit asset quality, regional concentration, mechanism robust monitoring, analysis and assessment; urge the provincial market interest rate pricing discipline mechanism according to the change of the real estate situation and local government regulation, in a timely manner within the jurisdiction of the commercial individual housing loans the minimum down payment ratio of self-discipline the adjustment, to promote banking financial institutions to the housing finance business and stable operation of the local real estate market stable and healthy development. Cities with high housing prices are more favorable. "Second tier cities such as Hangzhou and Suzhou will benefit from the new policy obviously."." Yesterday, Centaline analysts said that policy plays a positive role in the capital city has emerged, such as Suzhou, Hangzhou and other city housing prices in 2015 has been significantly increased, and some of the city’s land again flourishing, with loan ratio adjustment, the city housing demand is expected to be further released. Yang Hongxu, vice president of Shanghai E-House Real Estate Research Institute, said that the state must clear the stock, and must stimulate demand, in a variety of optional theory

非限购城市能享受两成首付 消化楼市库存还靠农民工   晨报记者 林劲榆 谢磊   就在中国人返乡过年之时,又一条楼市松绑政策出台,定向支持低迷的二三线城市。面对这样的巨大利好,怀揣着血汗钱回家的打工者们会不会对家乡的巨量库存心动呢?乡亲们能够拉动多少楼市需求?   昨天,央行发布《调整个人住房贷款政策有关问题的通知》,进一步降低不“限购”城市的首付比例,首套房最低可以达到20%。但是这个政策与北上广深四大限购城市无关,也就是说,上海继续执行原有贷款政策。   非限购城市才能享受两成首付   央行表示,在不实施“限购”措施的城市,居民家庭首次购买普通住房的商业性个人住房贷款,原则上最低首付款比例为25%,各地可向下浮动5个百分点;对拥有1套住房且相应购房贷款未结清的居民家庭,为改善居住条件再次申请商业性个人住房贷款购买普通住房,最低首付款比例调整为不低于30%。   对于实施“限购”措施的城市,个人住房贷款政策按原规定执行。也就是说,上海、北京、广州、深圳、三亚等五个限购城市的房贷政策并没有变化。政策同时要求,人民银行、银监会各派出机构应按照“分类指导,因地施策”的原则,加强与地方政府的沟通,指导各省级市场利率定价自律机制结合当地不同城市实际情况自主确定辖区内商业性个人住房贷款的最低首付款比例。银行业金融机构应结合各省级市场利率定价自律机制确定的最低首付款比例要求以及本机构商业性个人住房贷款投放政策、风险防控等因素,并根据借款人的信用状况、还款能力等合理确定具体首付款比例和利率水平。加强住房金融宏观审慎管理。人民银行、银监会各派出机构应强化对房地产贷款资产质量、区域集中度、机构稳健性的监测、分析和评估;督促各省级市场利率定价自律机制根据房地产形势变化及地方政府调控要求,及时对辖区内商业性个人住房贷款最低首付款比例进行自律调整,促进银行业金融机构住房金融业务稳健运行和当地房地产市场平稳健康发展。   房价高的城市利好更明显   “杭州、苏州等二线城市将明显从新政策中受益。”昨天,中原地产有关分析人士表示,政策对于一些省会城市的积极作用已经显现,比如苏州、杭州等城市的房价2015年已经明显上涨,而且一些城市的土地出让再次红火,随着贷款比例的调整,这些城市购房者的需求有望进一步得到释放。   上海易居房地产研究院副院长杨红旭表示,国家要清库存,必须刺激需求,在各种可选择的政策中,房贷政策的影响最直接。房贷政策一般分为两类,降首付、降利率。降利率可能影响到银行的收入和利率,所以执行起来有难度,行政命令很难在市场化的银行间执行。因此进一步降低首付比例更为有效,一般商业银行都会按照央行的要求来执行。由于去年9月份房贷首付已经下降过一次,半年内再次调整,很多城市房贷首付比例已经回到了2006年调整之前,达到历史最低水平。   杨红旭说,首付政策出台将拉动需求的提前释放,首付比例降低比较适合积蓄低、收入高的人群,这部分购房者可以提前满足购房的最低门槛。从各个城市的情况来看,政策对于房价比较高的城市利好,降首付的效果更加明显。虽然降低首付可能增加银行房贷风险,但是总体来看,三线城市房价已经下降很多,只要不在一年内跌20%以上,风险一般不会显现。   民生证券有关分析人士认为,在此前下调公积金首付后,下调一般贷款首付顺理成章,且不排除进一步下调可能。未来两三年,房地产政策暖风不会停,一方面60亿库存需要去,另一方面房价整体已经几乎没有上涨风险,政策有松动空间。下一步可能出台的政策包括交易环节税费进一步调整(放松征收标准,改变征收方式)、住宅标准调整、保障房以租代售、组建国家住房银行等。   消化库存还靠农民工   趁着打工者春节回家,适时推出贷款新政,人们揣测央行在选择政策发布时间上特别用心,对于二、三线城市来说,消化库存或许还是要靠农民工。   各城市楼市冷热不均是目前摆在政策制定方面前的难题,有些城市需要将近三年才能消化库存,而有些城市已经出现明显的供不应求。根据上海易居的研究数据,在全国35个大中城市中,北海的存销比数值最高,为34个月。另外,类似烟台、淮南的存销比也比较高。这三个城市均为三线城市,且去库存周期都超过2年。相比而言,苏州、南京、合肥、南昌和深圳的存销比较小。此类城市近期房价上涨总体比较明显。从购房者角度看,应该有积极入市的主动意识。从地方政府的角度看,则应该在土地市场上加大供应力度。   2015年12月份,一、二、三线35个城市新建商品住宅存销比分别为8.8、11.6和19.0个月。相比11月份9.8、11.9和19.3个月的数值而言,三类城市的去化速度都有所加快。一线城市12月份市场总体活跃,已经连续12个月存销比数值低于12,这也是近期一线城市房价出现比较明显上涨的原因所在。二线城市存销比也连续两个月低于12个月。相比来看,三线城市存销比较高,超过两年。 进入【新浪财经股吧】讨论相关的主题文章:

Global steel giant intends to privatize Hong Kong stocks 白城交通站

The global steel giant quasi privatization of Hong Kong stocks big pipe Sina Finance client: the most profitable investors in Hong Kong stocks through a market mechanism of level2 cards intended to be privatized to the Hong Kong stock announcement, Ruoshi Tianda Oil Pipe resume trading day rose nearly 60%. In the past six months, the market continues to decline, and more and more companies are undervalued. In this context, privatization is obviously more fierce than the holdings". Tianda Oil Pipe February 3rd morning on the HKEx disclosure, the company’s second largest shareholder of the French Vallource quasi privatization Tianda Oil pipe, a price of HK $1.66. On the same day, the stock opened 60% higher directly, and finally put a huge amount to close at 1.67 Hong Kong dollars. According to the disclosure, in January 29th, the French Vallource reached an agreement with the major shareholders of Anhui big enterprises and big investment in Anhui, Vallource plans to acquire 510 million domestic shares at HK $846 million, accounting for 50.61% stake in the oil, the effect of transfer on the same day, the French Vallource and concerted action people will have 706 million shares, including 510 million domestic shares 196 million, H shares accounted for the company at the date of this announcement of the total issued share capital of about 70.07%. At the same time, the French Vallource also said it would offer a total purchase of HK $1.66 per share to other H-shares holders, which had a premium of 58% over the shares before the suspension in January 29th. Announcement shows that Tianda Oil pipe is calculated according to the issued 100 million 762 thousand and 600 shares at the date of this announcement, the company’s total issued share capital of approximately HK $1 billion 672 million. If the full offer is fully accepted, the maximum amount payable by the offeror is about 500 million Hong Kong dollars (assuming the company does not issue any other shares). The French Vallource recommended company from Hongkong stock exchange delisting, and the company has agreed to convene a general meeting to consider and vote on the independent shareholders’ delisting resolution and other matters. If the delisting resolution was not adopted, but the public shareholding company in general offer after the end of less than 25%, and the French Vallource company will apply to the stock exchange pledged to take steps to ensure that Hong Kong has maintained a sufficient public float in general offer after the end. The effect of transfer on the same day, the transfer of the ultimate beneficial owner, namely Ye Shiqu, Zhang Huming and Yong Jingui, will continue to hold them in the rest of the indirect interests of the company, 49 million 719 thousand H shares, accounting for the company at the date of this announcement of the total issued share capital of about 4.93%. Tianda Oil pipe was founded in 1993, December 2006 listed on the Hongkong stock exchange, the main oil well pipe, oil and gas pipelines, chemical, marine, boiler, nuclear power and other special seamless pipe production and sales, has been in the oil, Sinopec, CNOOC and other large domestic oil companies qualified suppliers. Enter Sina Financial shares] discussion

全球钢管巨头 拟私有化港股天大管材 新浪财经客户端:最赚钱的投资者都在用 港股level2行情 翻看机构底牌   一则拟被私有化的公告,令弱市中的港股天大石油管材复牌当天大涨近60%。近半年来市场持续下跌,越来越多公司价值被低估,在此背景下启动私有化显然是比增持股份更为“勇猛”。   天大石油管材2月3日早间在港交所披露,公司第二大股东法国Vallource拟私有化天大石油管材,每股作价1.66港元。当日,该股直接高开60%,最终放巨量收盘于1.67港元。   据披露,1月29日,法国Vallource与大股东安徽天大企业及安徽天大投资达成协议,Vallource拟以8.46亿港元购入5.1亿股內资股,占天大石油50.61%股权,在转让生效日当天,法国Vallource及其一致行动人士将拥有7.06亿股股份,其中包括5.1亿股内资股、1.96亿股H股,共占公司在本公告发出之日的全部已发行股本约70.07%。同时,法国Vallource还表示将向其他H股持有人,以每股1.66港元提出全购,该价格较1月29日停牌前股价有58%溢价。   公告显示,天大石油管材在本公告发出之日按已发行的1.007626亿股股份计算,公司的全部已发行股本约值16.72亿港元。如果全面要约获全数接纳,要约人需支付的款项最高金额约为5亿港元(假设公司再没有发行其他股份)。   法国Vallource建议将公司从香港联交所除牌,而公司已经同意召开股东大会,提请独立股东考虑并表决除牌决议案和其他事宜。如果除牌决议案未获通过,而公司于全面要约结束后的公众持股量低于25%,法国Vallource及公司会向联交所承诺采取适用步骤,确保H 股在全面要约结束后维持足够的公众持股量。   在转让生效日当天,转让方的最终权益拥有人,即叶世渠、张胡明和雍金贵,将继续持有他们在公司余下的间接权益,即4971.9万股H股,占公司在本公告发出之日的全部已发行股本中约4.93%。   天大石油管材始建于1993年,2006年12月在香港联交所上市,主营石油油井管、油气输送管、化工、船用、锅炉、核电等专用无缝管材的生产销售等,已经是中石化、中石油、中海油等国内大型石油公司的合格供应商。 进入【新浪财经股吧】讨论相关的主题文章:

Internet Financial tide has officially receded 广东金融学院教务处

The tide of Internet banking has been formally receded the sina finance opinion leader (WeChat public kopleader) columnist Jiangnan young cynic most P2P or online banking or is hard to estimate the transformation, most likely will slowly disappear, and disappear can cost quite high. Finance is a very hard to stop the game, to get down the game, a lot of things, the beginning may decide the result. Internet Financial tide has officially receded, August 24th called the most stringent net loan new deal officially fall, the Internet financial regulatory policy tightened. Plan includes part of provisions prohibiting mixed operation, limit the amount of borrowing will cause a fatal blow to most of the net loan platform, this platform to carry out rectification and transformation. So, the post regulatory era of Internet banking, especially the P2P network lending platform, where to go? What changes will happen to the industry? The introduction of the net loan project supervision, in addition to the first day’s movement, the market is very calm, feel strange, according to previous media, practitioners or basic should be a naughty, suggestion and opinion, attack attack, applaud, so I feel very strange, think later is estimated the dust settles, you didn’t mention what estimate what, so busy with the rectification rectification, the transformation of the transformation to the. From the executive, I personally feel it’s hard to say good and bad, can only say that there is no better than this way this way, at least let everyone know what to go, what to do; can do, can do early withdrawal, so is very good, the only concern is the price. A little big. Because I feel that most of the P2P or online banking or is hard to estimate the transformation, most likely will slowly disappear, and may disappear quite high price. Finance is a very hard to stop the game, to get down the game, a lot of things, the beginning may decide the result, this point of view, I personally feel that we monitor the implementation of views, no matter good or bad, it is too late. A lot of costs are unnecessary. Some of the changes may bring their own opinions on the supervision of the industry today I talk about some of my personal opinion, when is the right to view some individual practitioners and investors. The Internet Financial tide receded with vigour and vitality officially the first view, I personally feel that the executive opinion represents the basic regulation with vigour and vitality over the past four years the official ebb tide of Internet banking. I said in July last year that the P2P industry lost its investment value, capital arrived in winter, and then left china. P2P industry lose value is from two logical considerations, the first logic is the industry supervision under heavy hand, the original survival arbitrage opportunities were knocked out. The supervision from the loose to encourage strict supervision is the stock market crash, crash occurred to realize the financial sector supervision, if not be bound, is the impact of the financial system, but also greatly expand the financial risk. Many financial risks are piled up before the Internet

互联网金融大潮已正式退去   文 新浪财经意见领袖(微信公众号kopleader)专栏作家 江南愤青   绝大部分的P2P也好,在线理财也好,其实挺难转型的,估计大部分可能就慢慢消失了,而且消失的可能代价还挺高。金融是一场很难停下来的游戏,上去就下不来的游戏,很多事情,一开始可能就决定了结果。 互联网金融大潮已正式退去   8月24日堪称最严网贷新政正式落地,互联网金融监管政策全面收紧。方案中包括禁止混业经营、借款额度上限等部分条款将对大部分网贷平台造成致命打击,为此平台不得不进行整改、转型。那么,后监管时代的互联网金融,尤其是p2p网贷平台,该往何处走呢?行业会发生一些什么样的变化?   这次网贷监管方案出台,除了第一天还有点动静外,市场目前非常平静,感觉有些奇怪,按照以前媒体也好,从业者也好,基本应该是一片闹腾,提意见的提意见,抨击的抨击,鼓掌的鼓掌,所以感觉挺奇怪的,后来一想估计是尘埃落定,大家再提什么估计也没什么意思了,所以都忙着整改的整改,转型的转型去了。   从这个执行办法来看,我个人感觉很难说好和不好的问题,只能说有这个办法比没这个办法要好,至少让大家知道往什么地方去,该怎么做;能做就做,不能做,早点撤,所以是挺好的,唯一担心的事情就是代价有点大。   因为我感觉,绝大部分的P2P也好,在线理财也好,其实挺难转型的,估计大部分可能就慢慢消失了,而且消失的可能代价还挺高。金融是一场很难停下来的游戏,上去就下不来的游戏,很多事情,一开始可能就决定了结果,这个角度来看,我个人感觉我们的监管执行意见,不管好还是不好,总归是来的太晚了。很多代价是不必要的。   我今天谈谈自己对这个监管意见所带来的一些行业可能的变化,提一些我个人的看法,权当是给从业者和投资者一些个人的看法吧。   轰轰烈烈的互联网金融大潮正式退去   第一个看法,我个人感觉监管执行意见基本代表了过去四年多轰轰烈烈的互联网金融大潮的正式退潮。我去年7月份就说过P2P行业失去投资价值,资本冬天明显到来,然后就离开中国。   P2P行业失去价值是从两个逻辑考虑的,第一个逻辑就是行业监管会下重手,原先生存的套利机会被打掉。促使监管从宽松鼓励到严格监管的原因就是股灾,股灾的发生让监管意识到,金融领域如果不加以约束,势必冲击金融体系,而且极大的扩大金融风险。   在没有互联网之前,很多金融风险都堆积在小范围之内,即使发生危机,也不太会引起大规模的问题,但是通过互联网,一个节点的风险,很容易扩散到很多地方,因为互联网让世界万物互联,风险也通过互联网扩散了。   最典型的案例就是配资,配资本身是生存在江浙地区十多年的一个行业,很平稳的生存着,从来没有对资本市场造成过大的危机,但是因为互联网,全国一下涌现出上百家互联网配资公司,把小范围的风险一下扩散到更多的范围里去,牵涉到了更多的地区和人数,同时由于互联网的规模化批量化,把本来十几年也做不到的大规模,一下规模化,风险更是集中爆发。互联网是双刃剑的结论就可以看到了,他可以让好的东西,更快效率的被得以应用,但是也可以让不好的东西,也广泛的传播和使用。   我们很多专家看问题,都只看到好的,看不到不好的一面,无节制的鼓吹好的,故意对不好的视而不见,世界上哪里有那么好的事情,只有好,没有不好呢?不能清醒客观的看待一个事物正反两面的专家,本质都是伪专家。   在股灾之后,监管重新审视互联网金融的态度非常的明显,从这个角度来看,过去快速做大规模的互联网金融,我一直说本质是监管套利,传统金融机构能做的,他都能做;传统金融机构不能做的,他也能做,正是利用这种套利行为使得规模无限制扩大,一旦监管下手,我感觉好日子就到头了。   P2P行业失去价值的第二个逻辑,现实情况就是巨头涌入,小公司的生存困境艰难,�丝机会丧失。再加上原有的P2P商业模式一直无法有效解答风控命题,所以很容易在规模上行的时候,遇到风险概率提升,使得这个人行业越来越容易出现各种风险事件,此后e租宝为代表的一系列兑付危机的出现,加剧了行业恶化,最终都会迫使监管下手。最终行业集体性衰退就成为定局。   我记得很早前,2012年写过一篇文章叫《没有未来的互联网金融》,我感觉互联网金融作为行业性机会是没有存在可能的,最终只会有成功的个体,而不代表有成功的行业。现在几家互联网金融机构也做的不错,京东、蚂蚁、微众都还不错,但是他们都是他们的不错,都不代表你会有多少机会。   过去三四年,大概有不下200亿人民币投向互联网金融这个行业,我个人感觉基本都是全军覆没的结局,跑出来的概率很低。   监管出台后市场格局会如何?一地鸡毛   我在一次行业交流会听到一媒体人说,这个监管办法网贷行业发展定了规矩,网贷会迎来大发展。我觉得这个结论其实是挺脑残的,事实上,我们根本不用看太多的监管细则,光一条所谓的单个个人限额二十万,多平台一百万,基本上就决定了这个行业的上限和边界,未来的发展规模会极为有限。   目前网贷余额七八千亿,90%都是突破限额规定的。那么也就是说,网贷管理办法之后,行业规模能回到目前的这个水平线上,都会是个很大的问题,你还谈发展,你拿什么发展?媒体人,都是打嘴炮出身,让他去做做投资,实际做做业务试试看,整个扯淡。我其实从来不听比我没钱的人谈投资经验,投资是比结果的,一个没赚到的钱的投资人,扯什么淡都是嘴炮。赚到钱的,扯什么淡都值得听。   P2P平台转型做消费金融,是蓝海还是另外一个坑?   第一,转型小额分散做消费金融?我感觉消费金融哪怕有机会,也只是小部分人的机会,绝大部分的企业是不可能完成转型的。   事实上,小额分散意味着未来投入产出比会很难看,你做大笔业务一做一个亿,业务收入百来万,投入一两个人;但是你去做小额分散试试,一笔五千、一万,做到一个亿规模至少几百人,你让很多做惯了大金额业务的平台去做小额分散业务看,你以为演电影啊,昨天演包公,今天变李逵,开个发布会说,我们进军小额分散的消费金融业务了,你就起得来了?真有那么容易世界就好了。   很多现实的大平台,给他哪怕更多的时间,也是无法构建这样的能力的,所以他们最好的结果就是平稳退出,别的行业退出无非停了就停了,金融业务的退出,取决于资产质量,尤其大额业务,不是说退就能退的。这些机构会比较痛苦。   另外,哪怕真转型消费金融了就一定没问题么?消费金融这个词最近很火,在美国是房、车、信用卡,中国加个线下3C消费,线下3C消费金融的机会存在,核心是因为信用卡人群覆盖有限,给一些贷款机构留了一定的空间。仔细看下,做房贷肯定超限额规定了,所以中国消费金融无非就是车、信用卡加个3C产品分期,问题是这三块业务合在一起的规模能有多大?几千亿?一万亿?很多人都说整个行业是蓝海,为什么,因为绝大多数人分期消费的理念没有起来。   消费的前提是个人未来收入增长,在个人收入没有明显增长的情况下,让人透支未来,其实恰恰是牺牲未来。   很多人说中国储蓄率很高,所以消费有机会,这个话是对的,但是消费不代表消费金融的机会,储蓄率高,我为什么要分期啊?分期是要利息的,我直接拿钱去消费就行了。在整体收益率明显下降的年代里,谁会借18%甚至更高的利息去消费,而让自己的钱5%存在银行里?只有弱智才会这么做。   所以现实的情况是,有钱的人直接消费,没钱的人才会借钱,而没钱的人未来赚钱越来越难,最终结果就是坏账越来越多,消费金融其实最终就是个地雷,什么时候崩的问题,我个人感觉两年一定崩。如果更多的机构进来这个领域,只会把崩盘的时间提前。互联网最大的优势就是把一个可以赚十年钱的行业,迅速资本化,规模化,然后压缩到两年榨干,随后一起死。   2012年,我跟一帮人微博对骂,有个人跟我说,小微企业贷款会是蓝海,民生银行大举进入这个行业,先发优势很明显,利润率会大幅度提高。   整一个傻逼逻辑,小微企业融资难是全球性难题,那个国家说能把这个问题解决了只有一种可能,那就是这国家脑子坏了,小微企业融资本身就应该是难啊,不难真是奇怪了,另外,哪怕这个区域真是蓝海好了,一旦挤入更多的银行金融机构的时候,再蓝的海,也红给你看。   中国人不就是擅长做这个事情么?最擅长的事情,就是把本来赚钱的行业,做成谁都不赚钱。没几年轰轰烈烈一堆金融机构挤入小微企业,最后你们现在去看看民生的小微企业还活了都少家就知道了。整个一开始就注定是个坑的战略选择,至于社区金融就不去提了。   现在消费金融其实也一样,太火了,是个人都跟你说做消费金融,正规金融机构也开始群涌而入,搞死了小微企业贷款,下面估计会搞死一帮中产,让中产没节制的去贷款,本身就是很危险的事情。   我现在每天都能接到要不要贷款,条件可优惠了,一家比一家优惠。估计都是快崩了的节奏。金融业是个显性门槛很低的行业,随着越来越多的机构进入这个领域,我觉得,绝大部分的机构其实结果一定会死的很难看,但是他们死的很难看的这个过程,也会让很多本来玩的还不错的那些玩家弄的也很难看。   所以未来一年消费金融领域里面,谁都不会过的特别好,进来一帮成事是铁定成不了,但是坏事却很容易的玩家,最终就是大家一起死。次贷危机过去没几年,他死的逻辑就是给好人放贷款,贷款放完了,给烂人放贷款,烂人放完了,怎么办,给更烂的人放贷款,然后一起死。历史从来都是相似的。   消费金融的危机,其实最典型的是东亚各个地区的双卡事件,光CAPITAL ONE一家银行在这个区域内的坏账就估计超过一百亿美元。事实上做小额分散本身就是一个赌系统性风险的过程,因为金额较小,所以采取传统的人力密集型运作方式,成本会很高,一般都会采取一些相对简单的批量化操作方式,这里有所谓的大数法则的影子逻辑在里面,把规模做大,然后赌一个概率事件,期望通过收益能够覆盖违约概率。   很多人跟我谈这个逻辑,我都认为压根是扯淡逻辑,大数法则,其实很重要原因一定要想明白,概率什么时候有效?   概率只有在独立事件的时候才会有效,什么意思啊,就是每个违约的事件都是相互独立的,譬如你撞车了,不代表别人也会撞车,都是小概率事件,每年全国撞车的整体概率是差不多的,但是借款不是独立事件,一个民工违约了,其实你会发现他身边的人也很容易违约。为什么?估计都是厂子发不出工资了,一个死,死一片,也可能是他们之间借钱了,这个人不还钱,又一片人不还钱,每个人之间不是独立的,是相互关联的,甚至也有可能整体性萧条,导致全国民工都日子很难过,不独立的事件就最终使得概率论在借贷领域使用是扯淡的事情,谁用谁死。   反倒经济学里另外一个定论在借贷领域会非常的有效,就是逆向选择。很多规则的出现本意都是好的,但是结果都往往不好,很多规则吸引的都是规则本身最不欢迎的群体。   譬如我们借钱,都是希望借给那些有还钱能力也有还款意愿的好人,但是你经常会发现来向你借钱的都不是这些人,都是那些没有还钱能力也没有还款意愿的人。借贷是个非常典型的逆向选择普遍的领域。   事实上,这个世界,真正你想借给他们钱的人,其实是不需要借钱的,往往他们自己很有钱,他们每天苦恼的是钱借给谁的问题,而绝大部分的没钱人,才会想到借钱,他们苦恼的是去哪里借钱。   消费领域里面都是这样的,有钱人不借钱消费,穷光蛋才想着借钱消费。婚姻领域也是如此的,每个女孩子都想嫁一个又高又帅又有钱的男人,但是问题是这样的男人压根不会来找你,早被人搞定了。三十多还不结婚的男人,基本上就意味着没钱没房没本事或者性取向有问题的男人。   我以前投资过一个小额贷款公司,一次跑北京去上课,上课回来以后,满嘴的普惠金融,我很纳闷,问他为什么?他说上课的专家们说,普惠金融可以降低业务风险,他说,别的小额贷款公司贷款利息都是18%,那我就12%,这样好客户就来我这里贷款了,就把别人干死了。我沉默了一会就跟董事会说,可以把他开除了。   这个世界思考问题很单一的人是不适合做一把手的,只考虑到相爱,不考虑到相杀的人,思维逻辑都有问题。   事实上,他这个决定不但不会降低风险,反而极大的扩散风险,现实情况就是你会发现一堆聪明人,来到你这里借钱,12%借走,然后18%甚至更高放出去。你承担了更高的风险却不能赚取更高的利润,那么必然抗风险能力下降。   其实也不需要特别聪明的人,只要正常的人,都会有这种想法,哪怕这个人曾经是个脚踏实地的企业家,一旦发现整个价格差之后,也会有这种想法,他每天晚上肯定会问自己,何必辛辛苦苦做事情呢。   企业毛利不到10%,我转手做个利差就能赚6%,天下多好的生意啊。呵呵,最后结果呢?大家一起死。有兴趣的可以去看看我2011年写的《浙江经济怎么了》,浙江实体空心化的很大原因就是套利空间的存在,大量企业家利用实体企业套取银行资金,然后去放高利贷或者做房地产,然后基本都死了。   这些都是典型的逆向选择的结果,你设定了很美好的规则,结果来了一帮整天钻规则漏洞的人。在利益面前,人会变得超越任何时候的智商,很多羊毛党就是其中典型。   我就见过一个羊毛党,他给我整整一个多M的文档,里面详细记录了各种可能的套利机会,我看他跟我讲述套利逻辑的时候,估计连娶老婆都没这么用心过。金钱的魅力散发出巨大的光芒应该就是描述这种场景。   现实的世界很残酷也真很有意思,很多人跟我展示他们极为苛刻风控要求,怎么牛逼,怎么严格。我到最后都会问一句,这么严格的要求,这么高的利息都会要的客户那质量得多低?只能说明人家一开始借钱就没有想过还钱。前段时间的裸照风波,人家裸照都敢给你的客户,哪里还有想过还钱的事情?现实也是,一千块都要借的人得多穷啊,估计连朋友可能都没有的客户了。   扯的有点远了,但是很有意思,我准备退休以后,写一本书,题目就是《那些年我遇到的借贷奇葩》。自从用了借贷宝,每天一堆人用各种理由找我借钱,看着很多短信,我自己都想笑。讲哪里去了?哦,讲到小额分散的风险不一定小,继续下一个话题。   消费金融的机会在哪里?能有效降低获客成本或风控成本的平台   我个人感觉消费金融,因为是小额借贷,小额意味着成本高,获客成本高,同时风控成本也高,凡是能在这两个成本端获得优势的企业才有可能真正有机会脱颖而出。所以,国外消费金融一般都厂商发起,为什么?场景最容易,贴近客户最近,获客相对容易,而且还有本身的利润支持,所以消费金融最容易起来。   国内,我感觉符合这个特征的在线上应该是大流量公司,最有优势的应该是腾讯,获客成本和风控成本理论上都是最低的,获客成本低就不用说了,腾讯的有效用户一定是最多的。至于风控,大家讲大数据,其实我认为腾讯数据才叫大数据,阿里、京东的数据还是太单一了,你知道一个人的单一数据实际意义是很有限的,一个行为很难还原推断一个人的实际面目。   而腾讯恰恰是维度最多的数据,大量维度交叉在一起,风控辨别成本最低,微信的绑信用卡用户,基本上可以把各家银行多年地推做的优质信用卡客户一揽子干掉,有信用卡理论上一定比没有信用卡用户风险更低,看朋友圈关系,你跟马化腾交上了朋友,一般你也穷不到哪里去;看晚上几点钟睡觉,越晚睡觉的人,一般要么就是天才要么就是白痴;看发红包,有事没事发发红包的人,都总体质量还行;反正社交数据各种行为慢慢揣测就行了,他就是个频率很高的生活圈,你无意识的表现出很多行为比刻意的行为更真实。   而淘宝京东,都属于频率很低,维度过于单一的群体,很难形成真正有效的多维度数据。现实情况,纯粹从单一角度来看,我个人感觉线上机会其实已经不多了,无论获客和风控成本都掌握在大机构手里。而且整个优势,基本上没什么机会被干掉了,所以在线贷款机构的机会很小很小了,唯一留下的其实就是线下规模化机构,靠人力推广的机构,这种机构短期有一定的空间,但是从长期来看,机会在收窄。   关键问题是线下支撑不了太多的企业,同时也很容易被线上流量公司给挤下来。具体这里就不仔细说了,大家自己去看我之前互联网金融未来几个方向的一些文章。   所以,从现实情况来看,切入小额资产端的公司会很少,绝大部分公司是不可能转型的,也没有多少机会可以转型,整个管理办法一旦执行下去,绝大部分都会被干掉,所以我说了,这个文件还是杀伤力非常大的,千万别太乐观。   转型做在线理财公司,会不会是一个可行的方案?难!   所谓的理财类公司分线下线上,线下理财公司,就不说了,我从来没有看好过,成规模的连锁式的基本都是骗子,我写过好多篇,过几天还有一篇财富管理的文章,将还会更加详细阐述理财的逻辑。   核心就是一点,风险是个性化的,跟人的预期和承受能力相匹配,而个性化的东西是无法规模化的,要让无法规模化的东西快速起规模只有一种可能就是兜底,你去承担信用风险,从而把他变成标准化的产品,但是世界上是没有人可以承担信用风险的,神仙也兜不住。最终就是沦落为骗子公司,所以任何信誓旦旦跟你说,保本保收益的人,你都可以把他当骗子。   那么之前的线上理财公司怎么看呢?我认为线上理财有一些合理的逻辑,的确互联网改造了一些风险定价的问题,但是短期来看,我个人感觉这次监管意见的出台,基本意味着全面严格监管思路的确立,这种思路下,就是宁愿牺牲短时间的效率,也不太会松动口子,最乐观的其实是先紧后松,先收后放,所以短时间内,理财类公司也会面临极为严格的监管的现实可能。很多合理逻辑下,都可能不太能被支持,全面严格监管,会在很多地方体现出来。这个在当下或许是对的,在相对不明朗的情况下,监管从严是合理推测。   那么从这个思路出发,P2P转型成理财类公司的可能性也变得很困难,很多机构说自己不是P2P,但是现实的情况是,你可以不是P2P,但是你必须告诉我你是谁,按照监管逻辑,凡是从事金融相关的互联网公司,都必须备案管理,也就是你必须去备案,然后告诉别人你是谁,最后还是要找到你妈来管你,政策不太会允许野孩子出现了。所以政策真空地带的可能性很小。   现在如果你说,你是理财类公司,那其实很简单,理财公司的资产无非就是对接非标资产,公募基金、私募基金,银行理财,其实还真没什么好对接了,那么很简单,你对接的每个产品都必须接受监管,公募、私募都有明确严格的销售管理办法,银行理财更是严格,以前很多机构对接的是非标资产,一直采用的是个人债权转让的形式操作的P2P资产,现在监管从源头上下功夫,对P2P进行了严格的限定,单笔资产不得超过20万,而且还不能打包的形式去接受转让,那么大的流量类理财公司短期内将会受到极大的限制。   前面阐述过了P2P的资产会在一年内消失大概在8成左右的规模,那么流量平台面临无资产可接的尴尬境地,过去所积累起来的大量用户就会丧失,如何保证持续有资产可接入会是很麻烦的问题。而这个问题长期来看,都被限制在一定额度之内,理财类公司转型就是必然的情况。   那怎么转呢?肯定是转成一揽子的财富管理公司,但是这个问题就很尴尬了,目前银监会规定了P2P不准兼营各类业务,因为混业监管,导致财富管理公司的监管细则还不是很明确。   但是总体个人来看,限制于地方金融管理水平,基本上是套用P2P的管理办法的,所以肯定把理财类公司也套用成相应的监管办法,因为这样最省事也最不容易出问题,所以这个转型就成了伪命题,于是你转型成财富管理公司,如果接了P2P资产,那么就不让你接公募基金等产品,如果你接了公募基金产品,那么OK,就不能接P2P资产,虽然这个有点操蛋,但是实际上很可能是大概率事件。   本来其实从财富管理角度来看,人的财富管理一定是全资产配置的,一部分放银行,一部分放股市,一部分买基金,一部分换美元,还有一些消费的钱,或者买银行理财或者买P2P,所以,单独的要求割裂这种理财行为,从体验角度来看,的确不是很合理的事情,但是监管短期来看,还不太可能顾及这方面的问题,应该也是如同P2P一样一刀切,到时候,可能就是前面说的,几类资产的业务不允许重叠,那么我们再来看,财富管理的互联网金融化这条路就非常难走了。   财富管理接入P2P资产,这个不用说了,绝对大面积的衰退,那么接入公募基金的模式会如何呢?   其实这个案例就不用说了,按照目前证监会的监管要求,公募基金销售必须持有公募基金代销牌照才可以,目前全国也就不到120张牌照,而按照这个代销牌照的一系列要求来看,基本上每年固定成本至少在数百万级别,所以市场上基本上这种模式都是不赚钱的模式。   东方财富网当年依赖基金代销这个概念,股价上赚了很多,但是实际利润是很低的,但是即使如此,也就是东方财富网盈利而已,后来数米网并给了阿里,然后才实现盈利,除了这两家,基本上都是不赚钱的。   所有如果不是大公司,且是大的流量公司,做公募基金代销基本上就是扯淡玩,不可能盈利的事情,目前一种模式是大量的有牌照公司把通道开放给大量的没有牌照的公司,然后接入流量,这种玩法不知道证监会怎么看,估计从严格监管四个字来看,基本上是干掉的命。那带来的结果就是没有牌照的公司就做不了基金代销业务,而基金代销业务又不赚钱,那怎么玩呢?   然后私募基金代销的模式又出来了,但是说实话,私募基金代销的模式跟互联网关系并不大。为什么?因为门槛很高,大额交易在线化的现实难度是很大的,一方面是支付体系的不支持,另外一方面在线购买的现实难度的确也很大,很少有人在线就随随便便购买几百万的私募产品,这种可能性也不大,而且收益也并不高,这个问题可以看我很多年前写的关于财富管理公司文章,我觉得大额交易的互联网化,至少在看得到的三五年内是没有任何机会的。   市面上最典型的财富管理公司类公司诺亚、钜派、好买、众禄都在互联网的过程中表现很一般,而刚拿到C轮融资的金斧子,其实也开始不断往线下的趋势,已经很难用互联网公司来阐述了,同样在深圳的高搜易旗下的掌富宝也差不多逻辑。   当然,我的逻辑不是说不互联网化就没有价值。财富管理公司本身在中国而言随着资产收益越来越低,大量资金无处可去,违约不断爆发,我感觉趋势性机会应该出现了,无论线下,还是线上,如果给予一定的时间慢慢走,我感觉是有机会的。   关于财富管理的机会的文章,还是参考我之后的一篇文章,那篇文章写了三个多月了,应该快好了。这里就不多扯淡了,核心就是一点,流量公司如果转型到理财类,所面临的监管问题,很可能只会更加严格,而不是更加宽松,至少值钱的所谓活期的各种宝宝模式可能都不一定能够能玩的下去,但是更可怕的我个人感觉还是资产萎缩带来流量的风险压力陡增,这个问题可以单独开一个章节去谈了。   转型资产交易中心?成本太高,一般人玩不起   这个问题很难回答,我感觉这个碰到的问题有两个:第一个能申请资产交易中心需要很强的行政资源。   估计全国不会超过一百家,那么大面积的P2P公司坍塌就是铁定的事情,很多人说,我不申请交易中心,我直接去跟他们合作,我个人感觉事实上,P2P和资产交易中心合作的问题在于P2P没有价值,都是沦落为交易中心的渠道而已,两头客户都被交易中心给获取,P2P到最后一定是被边缘化的命,从而丧失价值。   第二个问题在于资产交易中心的管理办法最终也是会出的,各省金融办,面临的监管压力其实也很大,监管限制也不会比P2P监管会宽松很多。   最终的角度来看,你费力去申请了,可能到最后,也会面临现实的问题,很多人申请交易中心核心需求是扩展额度,但是这个问题都没有明显答案可以回答,我个人感觉即使转了意义也不是很大,因为总归是稀缺性的。   怎么评价新政第四十二条留给金融控股等公司的一些豁免权?   我个人感觉几个可能,第一这些公司的监管本身就已经纳入了监管范畴之内,所以针对这些公司给予豁免并非是真的豁免而是不重复监管的意图,把他们纳入原有的监管体系之中去,其实从实质来看有两个并不太好的可能的。   首先,原有的这些公司的监管,比现在监管可能更严格,譬如小额贷款公司本身就有额度限制,包括注册资本的限制,原先很多小贷公司可以通过互联网的方式走P2P来扩大规模,现在明确不被允许了,所以以后要扩充规模可以,唯一的办法就是通过正规金融机构体系来证券化。担保公司一直规定就是八倍,个别地区是四倍,显然扩大规模并不现实,所以很大程度上,通过拿牌照的方式,本质已经跟P2P无关了,无论从估值体系角度看还是从金融监管上来看,都已经属于金融体系畴内。   而且全国从现实角度来看,绝大部分的金融机构牌照都已经被压缩在一定幅度之内,批量规模化申请的现实可能性也很有限,像互联网金融小贷这种牌照实质最后也就不会超过几十家,且拿了以后未必会有多少意义。小贷公司最大的意义还是在于未来可以参与资产证券化,而不是规避P2P监管方案,事实上也规避不了。   从政策意图上理解本次监管,核心其实就是限制不受监管的类金融机构的业务规模,那么也就是说,你无论通过什么文字游戏变形记的方式规避了本次监管,但是总会面对新的监管办法,市场补漏洞是非常容易的。如果不能遵循真正意义上的小额分散的诉求,我感觉都很难被政策支持。   唯一想突破的办法,就是你去申请金融牌照,成为受监管的一员,那就可以突破了,靠擦边球的可能性很低。   如何看待多平台贷款的事情,数据怎么办?   这个问题其实很简单,我国银行业很早就已经把银行间贷款客户数据打通了,每个贷款客户都要办理贷款卡,进行贷款数据录入,P2P监管过了整改期,强制要求统一接入上海资信,立马数据都有了,甚至都可以纳入央行征信系统,都规范了,那就一起玩呗,这个简单。   P2P监管意见最大的意义就是给了P2P一个小额分散的合法化渠道,以前除了正规金融机构,都是无法在市场中阳光化的借贷的,现在在一定额度以内阳光化了,你操作业务就不用担心法律问题了,所以我倒是觉得一批真正立足普惠金融的金融家们,到了该践行你们理想的时候了,何必想着去突破呢?   办法执行后市场会很可怕么?   尘世如潮人如水,只叹江湖几人回。   江湖总有一天会落寞,随着前面所论述的监管方案一旦被严格执行下去,到底几家公司能完成合规转型,或者全身而退,这个其实已经不是一个商业模式的问题了,大时代来临,你会发现个人很多时候在历史上都只是演变成一个数字罢了,但是具体到个体上来说会有很多的悲欢离合的事件发生,都是具体而生动的。   我很多年前说,金融创业跟其他创业最大的区别其实是非生即死的问题,而其他行业无非是成败问题,主要原因是金融带有很强的杠杆特征在里面,金融本质是扩杠杆,你拿着别人的钱去玩,一旦出现风险的时候,你就必须对很多人的钱负责,这些人期望你能实现收益,而不是让你告诉他们亏钱了。   现在P2P被严格限制在小额以后,很多平台要转型,需要时间,要退出就必须把别人的钱都给还了,但是现实的情况是,借出去的钱,没有很长的时间是很难抽出来的,浙江大面积的连锁式的企业危机,说到底本质其实是银行抽贷引发的,当然并不是说,银行不抽贷就不会发生危机,但是不能否认的是一旦有资金撤离企业,企业基本上是很难维持的,没有一个企业能在突然抽走一笔现金后还很好的维持。   许多企业一旦借贷了,就至少三五年离不开这个钱的,个人也一样,因为他们不可能很快赚了一笔钱把这笔钱给还了,许多人和企业都是借了短期的资金,使用在长期用途上,他们借钱的时候压根没想过明年就不能再借了。现在告诉他们不可以了,那很现实的选择是两个,找地方借来还这边,要么就干脆不还了,因为还也死,不还还有可能拖着等着活下去。   这个其实还不是最可怕的事情,最可怕的事情其实是从总体借贷来看,我相信大概市场从明天开始停止,然后开始清算的话,有很多实际借贷企业的坏账已经累计到非常可怕的数字了。   企业其实已经出现风险,而P2P公司并未计入坏账,只是维持着,甚至利息都已经停止支付,银行有严格的五级分类制度,而P2P公司并没有,目前银行坏账在2-3%左右,个别的确在6-8%左右,银行尚且如此,P2P公司要少于这个数字基本是不可能的事情,那么为什么没有暴露出来呢?   因为统计方式和口径是不一样的,一旦监管要求业务不能持续运转,这个数字就会暴露出来,个人感觉会很高,最终导致的结果是很多公司到了清算的时候,资金缺口会很高,到时候引发的问题是什么呢?还是大量的投资人承担损失,这个问题就像是年初上海出现的一系列理财公司兑付危机一样的结果,区域性的群体高发事件会出现。   当然,我希望这个判断只是我个人的悲观看法而已,我是个看问题很悲观的人,我总是告诉自己,悲观的看待这个世界,然后接受最悲观的世界之后,那么你什么都可以接受了,一旦世界表现的比你想象的要好,那就是很幸福的事情,对人也一样,我从不对别人负有期望,我觉得每个人都没有责任和义务要对我好。   所以一旦有人对我表现的好一点,我就会特别感激他,因为他超越了我的预期,我就会努力回报。也会相信世界美好,但是如果你报有特别高的期望,总觉得世界该是对你特别好,别人呢就是应该围绕着你转,那么你就会发现现实特别的残酷,会让你压根无法适应生活。   我一直说的一句话就是所谓勇敢,其实是相信世界不美好,是阴暗的,但是你还是去努力,还是依然相信美好,相信光明,这才是勇敢,但是如果你只是想当然的认为世界是美好的,光明的,那么你就是个大傻逼了。   这次监管意见出来以后,我看到很多媒体人士在高呼各种规范发展的论调,我基本上都当傻逼处理,你不去分析,不去研究,不去看微观层面的实践,想当然的认为这个,认为那个,其实本质都是不负责任的,我说过过去互联网金融起起伏伏,专家扮演了很不好的角色,每天动动嘴皮子,谈谈普惠金融,然后说政府鼓励,政策支持,忽悠了一帮年轻人打鸡血一样的上去,结果我想大部分的人日子可能会很悲催。年轻人的优点在于敢拼敢闯,缺点就是太容易被忽悠,可怜了很多人。   (本文作者介绍:新浪财经专栏作家。)相关的主题文章:

In February 18th 13 traders are concerned about the news 考杜斯岛在哪

In February 18th 13 traders are concerned about stock market news center: exclusive national industry sector stocks, premarket after hours, ETF, real-time quotes Sina warrants stocks 18, Bloomberg News Beijing reported that following the February 18th 13 global traders are concerned news Top 20, click on the data from the 18 ranked 13 on Peng Bo terminal traders. 1) afternoon review: Gem pared gains; H shares rose; yuan Hibor continued to rise; $2) – economist Peng Bo: China price movements reflect supply shocks and demand pressure. 3) Insider: Chinese central bank today MLF demand amount and by 6 months and 1 year rates are 4 Chinese) capacity to exclude "all" excess industry credit debt is 5) SG: Nuggets opportunities of cross-border capital flows policy uncertainty is high at the short end of the RMB Hibor will continue to rise 6) Citigroup: infrastructure stimulus return Chinese construction sector will rebound. 7) deputy director of the State Research Center: the budget deficit accounted for the proportion of GDP such as super China 3% is not a problem. 8) China Merchants Securities: growth Chinese January PPI an obvious sign of the bottom; bond interest rates upward with enhanced risk 9 Consumer prices in January rose Chinese) residents food costs rise 10). The most accurate forecast of economic slowdown: Goldman analysts Chinese inevitable but do not panic. 11) Zhou Hao: Chinese MQ requires a very relaxed environment to leverage the material bank first quarter cut interest rates 12) Morgan Stanley: A stock market selection stocks Holdings time to first stock list 13) Caixin: Shaanxi Xin Qi assets has been blasting the payment crisis or involving 1 billion 900 million yuan. 14) the French bank of Paris: Hongkong housing prices in 2016 fell 10% after rising again. 15) China central bank net capital return scale hit a two year high money market interest rates fell. 16): ANZ bank lowered Taiwan GDP and inflation forecast the material of low inflation to support the central bank to cut interest rates further. 17) Reuters: Chinese today on the MLF operation to the Department of the central bank The amount of bank and lower interest rates. 18) the dollar erosion rate of return of U.S. Treasury bonds against negative yields on bonds and bonds with 19 de Malaysia) fourth quarter GDP grew 4.5% for an increase of 4.1%. The median estimate of 20) Kuroda Higashihiko: the Bank of Japan will examine risk and overweight stimulus editor when necessary: Zhang Yujie SF107

2月18日13点交易员正关注要闻 美股行情中心:独家提供全美股行业板块、盘前盘后、ETF、权证实时行情   新浪美股讯 北京时间18日彭博报道,以下为2月18日13点全球交易员正关注的要闻Top 20,排名来自于18日13点彭博终端交易员的点击数据。   1) 午市综述:创业板回吐涨幅;H股大涨;人民币Hibor续升;澳元跌   2) 彭博经济学家:中国物价走势反映供给冲击 而非需求压力    3) 知情人士:中国央行今日就MLF需求询量 并下调6个月及1年期利率    4) 中国去产能排除“一锅端” 过剩行业信用债现掘金机会   5) 法兴银行:资金跨境流动政策不确定性高 短端人民币Hibor将继续上升   6) 花旗:基建刺激手段回归 中国建设类股或将反弹    7) 国研中心副主任:中国财政赤字占GDP比重如超3%不是个问题    8) 招商证券:中国1月PPI同比增速显见底迹象;债券利率上行风险增强    9) 中国1月份居民消费价格上涨 食品成本升高    10) 预测最准的高盛分析师谈中国经济:放缓难免 但不必恐慌    11) 德商周浩:中国需要极宽松环境去杠杆 料央行首季降息   12) 摩根士丹利:A股市场甄选个股增持的时机到了 首选股一览   13) 财新:陕西鑫琦资产被爆兑付危机 或涉及19亿元人民币    14) 法国巴黎银行:香港房价在2016年下降10%后将再次上涨    15) 中国央行资金净回笼规模创两年高位 货币市场利率下跌    16) 澳新银行:下调台湾GDP及通胀预测 料低通胀支撑央行进一步降息    17) 路透:中国央行今日就MLF操作向部分银行询量 并下调利率    18) 美元走软侵蚀回报率 美国国债不敌收益率为负值的德债及日债   19) 马来西亚第四季度GDP同比增长4.5% 预估中值为增长4.1%    20) 黑田东彦:日本央行将检查风险 并在必要时加码刺激 责任编辑:张玉洁 SF107相关的主题文章:

Is it possible to steal Apple pay – Sohu Technology 厦门安防科技职业学院

Is it possible to steal Apple Pay? – Sohu technology Apple Pay coming. It’s a simple way to pay, and it’s a bit of an obstacle to get rid of it. According to friends fresh experience, using Apple Pay to pay a "Dove" silky smooth feeling. Hey, how it sounds creepy? Since the payment is so simple, will there be security worries? Secretly tied up other people’s Apple Pay, and then indulge in tyrant life. Is it possible to realize this kind of life dream? OK, now we’re going to do science: steal someone’s Apple Pay, and take a couple of steps. First of all, background: Apple Pay’s principle is to bind a credit card to a mobile phone hardware. Let iPhone become a substitute for this credit card, let Touch ID become a substitute for credit card password. Apple Pay encrypts the user’s bank card into a piece of code called Token". This Token has a dedicated security chip, and your Touch ID is a neighbor. Now, the theft begins. Plan A starts with the easiest way. Can you steal the card number (Token) from other people’s mobile phone through Trojan horse? In the past, the installation of malicious software on Apple phones has occurred, but don’t think it is easy to install a software on the iOS, it needs to use multiple vulnerabilities of the system. The highest form of this joint use is the jailbreak of iOS. Chen Xiaobo, the of China jailbreak giant Pangu group, once told the Lei Feng network that in recent years, Apple’s system version, once a big iteration, will add a heavy security mechanism, the vulnerability of the excavation needs more and more strong technical strength. So, you want to install malicious software, the general needs of the other side of the iPhone is in the jailbreak state. But that’s not enough, because the card numbers of Apple Pay are stored in the security chip. Study on safety radio Unicorn Team Leader Yang Qing told Lei Feng: network security chip iPhone itself is a system, a separate iOS and independent storage area, so even if the access control of the mobile phone system, may not be able to get the security chip intervention data. On the map is used in the security chip – payment, it is placed in the NFC chip. That is to say, if you want to crack Apple Pay, actually to break the two systems: iOS system built-in security chip apple, however, iOS security team Nirvana head Gao Xuefeng told Lei Feng a sad fact: break the security chip, need is the hardware level of vulnerability, since after iPhone 4 hackers around the world will find no level of hardware vulnerabilities in Apple’s mobile phone. Enjoy

Apple Pay 有可能被盗刷吗?-搜狐科技      Apple Pay 来啦。这么简单就能付款,真是让人剁手的路上又少了一个障碍啊。根据尝鲜的朋友体验,用 Apple Pay 支付有一种“德芙”般丝滑的感觉。   咦,怎么听起来怕怕的?既然付钱这么简单,会不会存在安全隐忧呢?偷偷绑上别人的 Apple Pay,然后纵情享受土豪人生。这种人生梦想有没有可能实现呢?      好吧,现在我们就来科普一下:偷偷盗用别人的 Apple Pay,总共分几步。   首先是背景知识:   Apple Pay 的原理是把一张信用卡和一支手机硬件绑定。让 iPhone 成为这张信用卡的替身,让 Touch ID 成为信用卡密码的替身。Apple Pay 把用户的银行卡号经过加密转为一段代码,名为“Token”。这个 Token 存在专门的安全芯片上,和你的 Touch ID 是邻居。   现在,盗刷正式开始。      Plan A   先从最简单的方法入手。是否可以透过木马病毒盗取他人手机上的卡号(Token)呢?以往,在苹果手机上安装恶意软件的事件时有发生,但是,不要认为在 iOS 上随便安装一款软件是一件容易的事,它需要对系统的多个漏洞进行联合利用。这种联合利用的最高形式就是 iOS 的越狱。中国越狱大神盘古团队的陈小波(DM557)曾对雷锋网表示,最近几年苹果的系统版本每进行一次大的迭代,都会增加一重安全机制,对漏洞的挖掘需要越来越强的技术实力。   所以,想要安装恶意软件,一般需要对方的 iPhone 处于越狱状态。但是这还远远不够,因为 Apple Pay 的卡号资讯是储存在安全芯片之中的。研究无线电安全的独角兽团队负责人杨卿告诉雷锋网:   iPhone 的安全芯片自身是一个体系,有独立的 iOS 和独立的储存区,所以即便获取了手机系统的控制权,也未必能介入到安全芯片之中去取数据。      ▲ 图中亮处就是用于支付的安全芯片,它被放置在 NFC 芯片内。   也就是说,如果想要破解 Apple Pay,实际上要攻破两套系统:   苹果的 iOS 系统内置安全芯片的系统   然而,iOS 安全研究团队涅盘的掌门人高雪峰告诉雷锋网一个悲伤的事实:攻破安全芯片,需要的是硬件级别的漏洞,而自从 iPhone 4 之后,全世界的黑客就没有在苹果手机上找到硬件级别的漏洞。   所以,想要用“飞龙探云手”把卡号偷出来的 Plan A 几乎宣告破灭。更让人泄气的是:由于卡号资讯是以 Token 的形式储存,即使拿到这串字符,也很难解密。      ▲ Apple Pay 的 Token 验证示意图,反正很复杂就是了。   Plan B   看来拿到手机里的信用卡号非常难,那不如我们直接把朋友的信用卡偷来,绑定到我的 iPhone 上吧。你可能会问,既然拿到了别人的信用卡,我直接用信用卡消费不就可以了吗?其实并不是。在大多数情况下,信用卡消费是需要验证密码的。而在把信用卡和 iPhone 绑定的过程中,信用卡的密码是不需要的。只需要输入“卡号”“信用卡 CVV 码”和“绑定手机验证码”这 3 个隐私资讯。   前两个资讯在卡片上都可以找到。但是问题仍然很严重,这绑定手机的验证码却非常难得到。除非你同时拿到一个人相互匹配的手机和信用卡,才可以成功把这张卡和你 自己的 iPhone 绑定。想必能让你这么做的,只有你的老公或老婆吧。与其这么麻烦,还不如抓住他的衣服,逼他付帐来得痛快。      ▲ 信用卡背面的这 3 个数字就是 CVV 码。   Plan C   以上计划都不成功,看来我们需要使出最后的杀手锏��把别人的 iPhone 偷到手。这样的计划也适用于你捡到一支 iPhone。   用捡到的 iPhone 去超市买东西,同样会遇到一个致命的问题:即使只花一分钱,也需要手机主人的指纹。这个指纹其实就存在手机里,而你就是没办法拿到它。 指纹资讯储存于苹果引以为傲的安全芯片中,多年以来黑客们多次尝试攻破安全芯片,结论是:想要拿到安全芯片里的资讯,对一般黑客来说代价高到不用尝试。有人做了如下有趣的比方:   iPhone 的 CPU 里住了很多工人,他们共同计算和处理用户给予的任务,但指纹、密码等资讯却是由一个哑巴工人来看管。当用户在支付时,其他工人就需要对指纹资讯进行辨识比对,这时候只能去问哑巴工人,但由于他不会说话, 只能用摇头或点头来表示“是”与“否”。所以想要让哑巴告诉你他看守的指纹究竟是什么,简直比登天还难。   在黑客找到破解 Touch ID 的办法之前,你只能望机兴叹。   Plan D   你都已经拿到了别人的 iPhone,还是没办法用他的钱愉快地购物,这个事实还真让人沮丧。不过,让我们把自己想像得再幸运一些,你捡到一个没有设置 Touch ID 的 iPhone。这个时候使用 Apple Pay 的话,就会要求你输入信用卡的支付密码。至于怎么搞到这张卡的密码,就是另一个故事了。   其实在这种情况下,还有一种“贼不走空”的解决方案:你不妨去找找手机里的微信支付和支付宝。因为大多数的微信支付和支付宝都是小额免密码的,这也算是对手机主人不设置 Touch ID 这种行为的小小惩罚吧。      结论   说了这么多,其实没有一个完美的盗刷计划,可以看出苹果在 Apple Pay 的安全方面,确实是花了心思的。   Apple Pay 在国外推出这么久,还没有黑客对它成功破解。而对于 Apple Pay 在中国的落地,相对脆弱的部分应该是苹果手机和银联、银行之间的支付协议。目前中国的众多安全团队正在开足马力,对 Apple Pay 的支付协议进行代码层面的分析,相信不久就会有详细的分析报告出炉。      (本文由 雷锋网授权转载;首图来源:Flickr Scott LewisCC BY 2.0)      微信扫描二维码或者搜索微信公众号(TechNews科技新报)关注我们。关键字: Apple Pay, iOS, Token, Touch ID, 信用卡, 安全芯片, 盗刷, 黑客   回响留下回响发布日期2016 年 02 月 19 日 08:05 分类Apple, 支付方案, 资讯安全分享相关的主题文章:

Liu Shiyu made the first positive stock funds late signs of obvious approach 刑讯室睾丸

Liu Shiyu made the first positive A capital stock trading approach clear signs of sina finance Level2:A shares of sina finance: App speed Kanpan live on-line blogger to tutor [reading] Chairman Liu first put the fire into the city of gold investment: Hualin securities two financial deregulation is the signal source: financial investment funds reported yesterday late signs of obvious approach, industry said the stock index stepped back to power savings through the 3000 Shanghai index 2903.33 Liu Shiyu left immediately he attracted the attention of the capital market, and market supervision, thorough investigation of the manipulation of the stock market and the first position to guide external funds into the market "is ignited people expect A shares reform and strong hope. In the last year to the beginning of this year, A shares suffered a severe shock, investors looking forward to the new chairman to take more substantive measures to develop the capital market, so as to usher in a real bull market rain". After Monday’s rally, the two cities Tuesday upside resistance down. On the disk, the Shanghai and Shenzhen two cities opened after both lower, the stock index fell 2900 points after continuing down. Gem once diving in the afternoon, plates and stocks have declined. Red wine and other industry is only a few blocks, and insurance, securities and other lower concentration. However, the late Shanghai and Shenzhen two cities decline narrowed, trading volume will also be enlarged, the funds into the obvious signs of late, the Shanghai Composite Index regained 2900 points. In this regard, brokerage analysts said the market stepped back mainly because of the recent stock index rose rapidly, and has precipitated some profit Fuchou, stepped back to consolidate the stock index exceeded 3000 points pressure strength. At the same time, the market station after 2900 points, the top face 3000 point pressure area, short-term shock digestion trend is more normal. In addition, from the technical point of view, yesterday rose after the index shrinkage correction, index covering Monday gap form K line is still maintained at 5 on average, the index center has no obvious downward, the overall trend of the market of health. And the late arrival of funds or with Liu Shiyu’s first statement related. Reporters noted that, in the second trading day after the chairman of the Commission, Liu Shiyu will have the first position, that is, to guide funds into the market. There are media reports, sources said, Liu Shiyu after taking office for the first time in the comments to the Commission officials said in a speech, the current task includes the supervision, thorough investigation of market manipulation of the stock market and guide the external funds into the market, which once again ignited the market for A shares reform and strong hope. Shen Wanhongyuan (000166) securities analysts believe that this wave of rebound logic is very clear, is the expected difference between monetary policy and coordination regulators change". The pressure of RMB devaluation and the relaxation of monetary policy have brought about the improvement of liquidity expectations. The steady growth of the central government and the expectation of tax reduction and reform, as well as the global risk appetite are still rising, which have contributed to the rebound. However, the adjustment of the deposit reserve ratio is based on the actual situation of the small amount of credit supporting agriculture. There is no punitive adjustment for the short-term credit increase, and the logic of the rebound has not been disproved. In a word, in the time window before the two sessions, the monetary policy can be further improved with the structural adjustment and Reform

刘士余首次表态利好A股 资金尾盘进场迹象明显 新浪财经Level2:A股极速看盘 新浪财经App:直播上线 博主一对一指导   【相关阅读】刘主席首把火:引资金入市 华林证券松绑两融就是信号   来源:金融投资报   昨资金尾盘进场迹象明显,业内称沪指回踩利于积蓄力量突破3000点上证指数2903.33   刘士余一走马上任便引起了资本市场的高度关注,而“监管市场、严查操纵股市和引导外部资金入市”的首次表态更是点燃了人们期待A股改革与走强的希望。在去年至今年初A股遭遇剧烈震荡后,投资者憧憬新主席拿出更多实质性举措发展资本市场,从而迎来真正的“牛市雨”。   在经历周一的大涨之后,周二两市上行遇阻回落。盘面上,沪深两市开盘后双双走低,沪指盘中失守2900点后继续下行。创业板午后一度跳水,板块以及个 股纷纷走低。飘红的行业仅有酿酒等少数板块,而保险、证券等集中走低。不过,尾盘沪深两市跌幅收窄,成交量也随之放大,资金尾盘进入迹象明显,最终上证指数收复2900点关口。   对此,券商分析师表示,市场的回踩主要是因为近期股指涨速较急,且已经沉淀了一定的获利浮筹,回踩有利于股指夯实突破3000点压力的力量。同时,大 盘站上2900点之后,上方面临3000点的压力区,短期震荡消化的走势较为正常。另外,从技术面来看,昨天大涨之后指数出现缩量回调,指数回补了周一的 缺口,形态上K线依然维持在5日均线之上,指数重心没有明显的下移,市场整体走势健康。   而资金尾盘进场或与刘士余的首次表态有关。记者注意到,在上任证监会主席后的第二个交易日,刘士余便有了首次表态,即引导资金入市。有媒体透露,消息 人士称,刘士余在就任后首度向证监会官员的讲话中评论称,当前任务包括监管市场、严查操纵股市和引导外部资金入市,这再一次点燃了市场对于A股改革与走强 的希望。   申万宏源(000166) 证券分析师认为,这波反弹逻辑非常清晰,是货币政策和协调监管层变化的“预期差”。人民币贬值压力减轻、货币政策边际放松带来流动性预期阶段性改善,中央 稳增长和减税、改革的预期,以及全球风险偏好仍在上升共同促成了反弹。而差异化调整存款准备金率是根据信贷支农支小实际情况的有上有下的调整,并非针对短 期信贷大增的惩罚性调整,尚未证伪反弹逻辑。“总之,两会前的时间窗口中,货币政策如何配合结构调整和改革催化剂的进一步落地仍可期待,而两会前金融监管 的人事调整也使乐观的投资者倾向于认为最高层对资本市场十分重视。”   “反弹目标位和节奏依然不变,2850点附近有回撤压力,但回撤之后反弹高点可能在3200点。当然,必须承认,当前的问题依然是‘滑头’主导市场,市场赚钱效应稍有反复,微观市场结构便开始松动,未来适当的回撤有助于改善微观结构。”申万宏源证券分析师在接受记者采访时认为。   另外,天信投顾认为,整体上看,股指已经具备继续反弹的动能,市场的看多做多信心也在集聚,短期要关注后续能否实现上行突破,沪指中期压力位在 3000点整数关口。从长期来看,A股整体会处于一个估值修复周期,不过近期股指上涨较多,速率也较快,短期在2900点附近遭遇一定的压力。   机会上,中金公司表示,投资者可继续关注“政策预期支持蓝筹+超跌龙头成长”。首先,房地产产业链及供给侧改革相关的板块,仍将享受政策预期支持;其 次,逢低吸纳盈利仍有可观增长、估值已经逐渐合理的泛消费龙头。最后,一些主题投资机会,包括年报(业绩超预期个股、高送转)、第二批新股(本周进入申购 期)、两会概念(十三五、环保新能源)以及军工等,值得关注。 新浪声明:新浪网登载此文出于传递更多信息之目的,并不意味着赞同其观点或证实其描述。文章内容仅供参考,不构成投资建议。投资者据此操作,风险自担。 进入【新浪财经股吧】讨论相关的主题文章:

The inter-bank bond market after the central bank released massive edged up reverse repo liquidity s 张国荣葬礼扶灵

The inter-bank bond market after the central bank released massive reverse repurchase edged up liquidity in China reinforcements FX168 the central bank open market daily net invested a substantial volume of assistance, the inter-bank market funds face early Friday (February 26th) slowly, spot bond yields also slightly lower, but the overall look is still in stalemate trend; and from the central bank’s latest statement further, monetary policy is lack of imagination, the stronger inhibition effect on the bond market. The latest national debt 150218 coupons for the remaining period of nearly 10 years, the latest offer at 3.19% 3.17%, Thursday’s late trading of 3.20% 3.17%. China financial futures exchange in the five-year bond futures contract TF1606 early closing at 100.320 yuan, unchanged from Tuesday settlement price 10 year bonds; the main contract T1606 closed at 99.355 yuan, compared with yesterday settled down 0.06%. The transaction pointed out that the current economic fundamentals have not yet seen a strong policy of recovery, but the beginning of the rapid credit growth, no doubt that the economic recovery is expected to increase, coupled with monetary policy easing efforts to weaken the marginal, the recent bond material is difficult to have further motivation to do more, the main tone of weak shocks or still. Chinese central bank governor Zhou Xiaochuan said on Friday that the China monetary policy will give more consideration to the macroeconomic situation, not excessive based on external economic or capital flows, continue to implement prudent monetary policy; monetary policy too much, the effect will be reduced, don’t have too high expectations of monetary policy, to use more policy fiscal policy and structural reforms. Another trader noted that Friday open market a large number of net invested, the more obvious to ease the financial strain effect, indicating that the central bank short-term funds face care more strongly, but only in the short term can only compensate for the loss of some tools of liquidity on the bond market, to further promote. China’s central bank made a 300 billion day seven day reverse repo earlier, with interest rates unchanged at 2.25%. In spite of the weekly net return of 80 billion yuan, the net investment of more than 200 billion yuan will still be realized only in this day. A market, a significant differentiation of treasury bonds and financial bonds tender recently, financial bonds become weaker, while Treasury remains strong. The Ministry of Finance morning 10 billion yuan tender period of three months (91 days) discount bonds, weighted bid yield of 1.9896%, the continuation of the recent trend of steadily falling debt; the marginal bid yield of 2.0480%, bid multiples of 3.21 times. At the same time, the central bank released Friday Chinese massive reverse repo liquidity reinforcements, the inter-bank money market tensions eased, the supply must be improved, the main varieties of the turnover of the overnight repo rate downward, but the trend is still relatively loose from the previous distance. Enter Sina Financial shares] discussion

银行间债市盘中略涨 央行释出巨量逆回购增援流动性   FX168讯 在中国央行公开市场单日净投放大幅放量的扶助下,银行间市场周五(2月26日)早盘资金面稍缓,现券收益率亦略微走低,但总体看仍陷胶着走势;而从央行最新表态来看,货币政策缺乏进一步想象空间,将对债市走强形成抑制。   剩余期限近10年的国开债150218券最新报价在3.19% 3.17%,周四尾盘为3.20% 3.17%。   中国金融期货交易所五年期国债期货主力合约TF1606早盘收报100.320元人民币,与周四结算价持平;10年期国债主力合约T1606收报99.355元,较周四结算价跌0.06%。   交易指出,目前经济基本面尚未看到复苏的有力政策,但年初信贷投放快速增长,无疑令经济回暖预期有所增强,加之货币政策边际放松力度减弱,近期债市料难有进一步做多动力,偏弱震荡或仍是主基调。   中国央行行长周小川周五表示,中国货币政策会更多考虑宏观经济情况,不会过度基于外部经济或者资本流动,继续实行稳健货币政策;货币政策用得太多,效应会递减,不要寄予货币政策过高期望值,要更多使用财政政策和结构性改革政策。   另有交易员指出,周五公开市场大量净投放,对缓解资金紧张效果较为明显,表明央行对短期资金面的呵护较为坚决,不过仅以中短期工具最多也只能弥补流动性的流失部分,对债市难有进一步推动作用。   中国央行稍早进行的3,000亿元人民币七天期逆回购,利率持平于2.25%。尽管按周计算为净回笼800亿元,仅就今日来看,仍实现超过2,000亿元的净投放。   一级市场方面,近期国债和金融债招标出现明显分化,金融债趋弱,而国债仍维持强势。财政部上午招标的100亿元人民币三个月期(91天)贴现国债,加权中标收益率为1.9896%,延续近期节节走低之势;该债边际中标收益率为2.0480%,投标倍数3.21倍。   与此同时,中国央行周五释出巨量逆回购增援流动性,银行间资金市场紧张情绪有所缓和,供给出现一定改善,主要成交品种的隔夜回购加权利率下行,不过离此前较为宽松态势仍有距离。 进入【新浪财经股吧】讨论相关的主题文章:

The influence of Renaissance Costume on modern fashion design (Part 2) – Sohu 沈阳音乐学院大连校区

Influence of Renaissance clothing to modern fashion design (below) – Sohu in Fourteenth Century to an important historical period of sixteenth Century in Western Europe and central Europe countries in the history of the development of culture and art in the. It is the second peak in the history of European culture after ancient Greece and Rome. With more and more convenient transportation, a new design of clothing styles once eye-catching, will pop up quickly this powerful cutting association first formulated the corresponding cutting standard, while the unity of popular. The natural beauty of the body begins to show up through clothing, women’s clothing to highlight the wide shoulder and waist round hips. Men’s clothing highlights gorgeous luxury, strong symmetry. The clothing of this period has a great influence on modern fashion design. Many modern clothing, jewelry design are the designers learn from that period of inspiration, more is that many of the original period of male clothing features have been used to dress up the design, there was a different happy style style. Please continue to pay attention to the coincidence network WeChat public platform account, every day we will bring interesting and interesting fashion knowledge and collocation suggestions. Marking "coincidence original" article, all content is coincidence network original, forwarding please explain the source, otherwise we will be held accountable.   

文艺复兴时期服装对现代服装设计的影响(下)-搜狐   14世纪到16世纪西欧与中欧国家在文化艺术发展史中的一个重要历史时期。它是继古希腊、罗马后的欧洲文化史上的第二个高峰。借助越来越快捷的交通运输,一个最新设计的服装款式一旦引人注目,就会迅速流行起来为此强大的裁剪同业会首先制定了相应的裁剪标准,一边统一流行。这时人体的自然美开始通过服装凸现起来,女子服装突出宽肩细腰圆臀。      男子服装突显艳丽奢华,强健匀称。这一时期的服装对现代服装设计有巨大的影响。现代很多服装、饰品设计都是设计师们从那个时期汲取的灵感,更有很多原本是那个时期男性服装特色被运用到女装的设计当中上去,出现了令人欣喜的样式各异的款式。      请大家持续关注巧合网微信公共平台账号,我们每天都会为大家带来有趣有料的时尚知识和搭配建议。   标注“巧合原创”的文章,所有内容均为巧合网原创,转发请说明出处,否则我们会追究其责任。   相关的主题文章:

do not pay the phone back. Although I was snapped up 699 yuan 邪皇后

Red rice Note2 maintenance price of 875 yuan to buy expensive: distances than user dissatisfaction – IT times Wu Yuxin mobile phone has been a series of red rice millet’s best-selling products, released in August 13th last year, red rice Note2, spot 800 thousand units sold out in 12 hours. But in the sales performance in the limelight, red rice Note2 is ill fated, first in "change the screen door", after being broke is not stable, dropping Wi-Fi. Recently, red rice mobile phone after-sales service also caused dissatisfaction. "699 yuan to buy red rice Note2, voice, SMS functions are normal, but WLAN can not open, sent to repair after being told to repair costs to 875 yuan."." Recently, Mr. Wang complained to the "IT times" reporter. He said that the repair of mobile phones is really not repaired, it is better to buy a new one. Last year, double eleven, Mr. Wang snapped up a mobile 4G version of red rice Note2 in Millet official flagship store, with a few months found that WLAN option has been unable to open, the connection is not Wi-Fi. So, Mr. Wang contact millet aftermarket, before the Spring Festival will send mobile phones to millet Beijing after-sales service point for testing. "Testers say that the WLAN option cannot be opened because the human factors cause the motherboard to bend, not within the warranty. If you want to repair, I need to pay 875 yuan, do not pay the phone back. Although I was snapped up 699 yuan, but the official price is only 799 yuan, maintenance costs actually 875 yuan!" Can not accept the price maintenance Mr. Wang called millet official flagship store customer service staff, the other said: "the mobile phone is man-made board bending was not able to access the Internet, and the host is one of the inner and outer screen, so you have to change." Mr. Wang wanted to understand the specific results of mobile phone testing, he repeatedly communicated with customer service, hoping to contact the test of their own mobile phone engineers, but repeatedly ten times did not contact. Mr. Wang gradually lost patience, until now, the phone is still in Beijing after-sales service point, in the end repair or not repair? Mr. Wang is in a dilemma. Why do you change the phone screen when you repair the motherboard? When the reporter contacted millet after-sales customer service, has become a different saying. After sales customer service told the IT Times reporter: red rice Note2 motherboard reference price at 570 yuan, a total of 330 yuan inside and outside the screen, including screen change labor costs 40 yuan, a total of 900 yuan, the motherboard is broken, only for the motherboard, you can not change the screen." Located in Shanghai, Putuo District, millet authorized after-sales repair staff told the "IT times" reporter: "motherboard bending only for the motherboard, maintenance price is 580 yuan, labor costs 40 yuan, a total of 620 yuan."." As for why the price is so high, the maintenance staff responded: "the company set the price, we also have no way."."

红米Note2维修价875元:修比买贵 用户不满   ■IT时报 吴雨欣   红米系列手机一直是小米公司的畅销产品,去年8月13日发布的红米Note2,80万台现货在12小时内被一抢而空。但在大红大紫的销售成绩后,红米Note2却是命运多舛,先是深陷“换屏门”,后被爆出Wi-Fi不稳定、掉线等问题。最近,红米手机的售后服务也引起用户的不满。   “699元买的红米Note2,语音、短信功能都是正常的,只是WLAN打不开,送去维修后却被告知维修费要875元。”近日,用户王先生向《IT时报》记者投诉,他说修手机真是修不起,还不如买个新的。   去年双十一,王先生在小米官方旗舰店抢购到了一台移动4G版红米Note2,用了没几个月发现WLAN选项一直打不开,连接不上Wi-Fi。于是,王先生联系小米售后,在春节前将手机寄至小米北京售后服务点进行检测。   “检测人员说WLAN选项打不开是因为人为因素造成主板弯曲,不属于保修范围之内。如果要修,需要我付875元,不交钱就把手机退回来。我虽然是699元抢购的,可官方售价也才799元啊,维修费居然要875元!”无法接受维修价格的王先生致电小米官方旗舰店的客服人员,对方称:“手机是人为原因导致主板弯曲才无法上网,而且主机是一体的,所以屏幕的内屏及外屏都要换。”   王先生想了解手机检测的具体结果,他多次同客服沟通希望能联系上检测自己手机的工程师,但反反复复十几次也没联系上。王先生渐渐失去耐心,直到现在,手机还在北京售后服务点,到底修还是不修?王先生陷入两难。   修主板为什么还要换掉手机屏幕?当记者联系到小米售后客服时,又变成了另一种说法。售后客服告诉《IT时报》记者:“红米Note2主板的参考价格在570元,内外屏共330元,含换屏人工费40元,总计900元,主板坏了只换主板即可,不用换屏幕。”位于上海市普陀区的小米授权售后维修点的工作人员告诉《IT时报》记者:“主板弯曲只换主板即可,维修价格是580元,人工费40元,共620元。”至于价格为什么这么高,维修点工作人员回应:“公司定的价格,我们也没办法。”相关的主题文章:

it is not a real notebook 媚肉之香攻略

Windows 10 Moible strongest flagship! HP Elite X3 released – Sohu digital Microsoft does not intend to send any decent products. Conversely, if you want to use the Windows system to get some special products of HP, it is a very sincere flagship new product. Today, HP officially released the ship class Win10 mobile phone – HP Elite X3. Appearance, Elite X3 in the design of law-abiding. There is no brand logo on the front, the rear cover is slightly mediocre, the middle camera and flash, and the logo of HP HP separated from the upper and lower ends, gray logo and black back cover with a little buried logo feeling. Consistent with all Windows 10 Mobile, HP Elite X3 has proprietary Continuum capabilities. Consistent with Lumia 950 series products, Continuum function can make Elite X3 to cooperate with large screen display, mobile phone as the host, the rapid formation of a Windows 10 computer for office. HP Elite X3 will be an additional accessories with a Mobile Extender bundling, it is not a real notebook, but more like a battery, the keyboard and the extended interface of 12.5 inch extension base, weighing about 1 kilograms, by USB Type-C or Miracast and the mobile phone is connected, it will become a real Win10 PC, can run a complete x86 program. In terms of specific specifications, Elite X3 will undoubtedly be the strongest flagship product in Windows 10 Mobile so far. The machine body measurements for 161.8×83.5×7.8mm, 195g. The machine is equipped with 5.96 inch 2K screen, equipped with Qualcomm Xiaolong 820 processor, 4GB RAM (LPDDR4) +64GB ROM (SD card expansion), 8 million pixel front camera +1600 megapixel main camera, 4150mAh large capacity battery, in addition to the pre B& Q speaker, IP67 waterproof, MIL-STD-810-G USB Type-C, anti dropping, USB 3.0× 2; DisplayPort, Kensington, Ethernet, safety etc.. HP did not disclose the final price of Elite X3 and offer time, only to say that the official listing is about a few months away, is expected to be listed at the end of this year. Windows 10 Mobile strongest flagship, looking forward to it?

Windows 10 Moible最强旗舰!惠普Elite X3发布-搜狐数码  微软似乎并不打算发出什么像样的产品。反之,想要借助Windows系统弄点特色产品的惠普倒是拿出了一款极具诚意的旗舰新品。   今日,惠普正式发布了舰级Win10手机――HP Elite X3。   外观方面,Elite X3在外观设计上中规中矩。正面个没有任何品牌标志,后盖则稍显平庸,居中的摄像头以及闪光灯,与下方惠普HP的标志分居上下两端,灰色的标志与黑色的后盖搭配起来有点埋没了标志的感觉。   与所有Windows 10 Mobile一致,惠普Elite x3拥有专有的Continuum功能。与Lumia 950系列产品一致,Continuum功能可以使Elite x3得以与大屏显示器配合,以手机作为主机快速形成一台Windows 10电脑进行办公。   惠普Elite X3将与一个Mobile Extender的额外配件捆绑销售,它并不是一款真正的笔记本,而是更像一个带有电池、键盘以及扩展接口的12.5英寸扩展底座,重约1千克,通过USB Type-C或者Miracast与手机相连,此时它才会变成一台真正的Win10 PC,可运行完整的x86程序。   具体规格方面,Elite X3毫无疑问会是Windows 10 Mobile中迄今为止最强的一款旗舰产品。该机机身三围为161.8×83.5×7.8mm,重195g。   该机配备5.96英寸2K显示屏,搭载高通晓龙820处理器,4GB RAM(LPDDR4)+64GB ROM(支持SD卡扩展),800万像素前置摄像头+1600万像素主摄像头,4150mAh大容量电池,另外还有前置B&Q扬声器,IP67防水,MIL-STD-810-G防跌落,提供USB Type-C、USB 3.0×2、DisplayPort、以太网口、Kensington安全锁等。   惠普并没有透露Elite X3的最终上市价格以及发售时间,只表示距离正式上市大概还有几个月的时间,预计会在今年夏末上市。   Windows 10 Mobile最强旗舰,期待吗?相关的主题文章:

although the first tier cities did not implement the central bank’s new mortgage policy 西北政法大学教务处

Shanghai 352 sets of ten million houses a day robbed the landlord crazy price jump festival of the property market: landlord crazy price jump, trading center 4 million 500 thousand, 4 million 900 thousand, 5 million with Luo Tao…… House buyers after seeing the house, Shanghai inner ring near a husband Housing owners in a day for three times, the final price than before the Spring Festival listing 4 million 300 thousand expensive 700 thousand. The first weekend after the Spring Festival, although the first tier cities did not implement the central bank’s new mortgage policy, but also only enjoy the deed tax and business tax preferential policy, but the property market is surprisingly hot. "I started from the week before the Spring Festival, one day before the morning of a house, in the afternoon will pay a deposit, and signed an agreement with the landlord, is worried that prices will rise. I want to hurry up this weekend and find that there are more people in the trading center than in the spring festival." Property buyers Zhao Li (pseudonym) told the first financial daily reporter. Zhao Li is lucky, just last two hours on Saturday, the real estate tax procedures, most of the day to Shanghai Yangpu Real Estate Trading Center for business buyers, light queuing took more than 3 hours. "Any good policy will quickly pass to the market, many policies do not have the actual effect of the psychological effect of buyers, but it accelerated the decision-making of buyers, which will lead to fluctuations in housing prices." A number of industry insiders told reporters, after the first tier cities real estate market fluctuations roughly year by year, and now the volatility significantly accelerated, every quarter, every month, or even every week there will be changes. The landlord than the price jump and trading center with more alarming is that the Shanghai Hongkou District a new site yesterday launched 352 sets of the total price of thousands of homes, within a day robbed, sales of up to 3 billion 600 million yuan. The day the price jump third rose 70 million "First Financial Daily" the reporter interviewed many learned that the first weekend of the festival, the Shanghai real estate trading center of the district are overcrowded, Yangpu, Minhang area because buyers do not squeeze into, only at the door waiting to complete the formalities. In the morning of February 21st, the reporter came to Shanghai Jingan District Real Estate Trading Center, although the morning has been off time, there are still 6 groups of buyers queuing in a window for transfer procedures. "There will be more people in the afternoon." A property buyers told reporters, "after two years ago, the state has some good real estate policy introduced, and then hastened to do transfer." Years ago, the down payment threshold and decrease year after taxes, real estate transactions business tax preferential policies, although the main aims not first-tier cities, but market psychology began to change, first-tier cities of second-hand housing transactions has entered the "seller’s market", the landlord began to sell more wait-and-see market, fewer supply. "The landlord sell began from January this year, many buyers because the festival began showings, so before the feeling is not obvious. And after the festival, with the increasing number of buyers, the landlord began frequent jumps." Shanghai Centaline Kongjiang branch Jiang manager told the "First Financial Daily" reporter, "within the vicinity of a set of 2000 built on

上海352套千万级新房一天抢光 房东疯狂跳价   节后的楼市:房东疯狂跳价,交易中心爆棚   罗韬   450万、490万、500万……购房者看中房子后,上海内环附近一套老公房的业主却在一天内连续跳价三次,最终价格比春节前挂牌的430万贵了70万。   春节后的首个周末,一线城市虽然并未实行央行的房贷新政,也只享受了契税及营业税优惠政策中的一项,但楼市却出奇火爆。   “我从春节前一个礼拜开始看房,节前的某天上午看中一套房子,下午便交了定金,并和房东签了协议,就是担心房价还会涨。这周末想抓紧时间办手续,结果发现交易中心的人比春运还要多。”购房者赵莉(化名)告诉《第一财经日报》记者。   赵莉还算幸运的,上周六只用两小时就办好了房产的审税手续,当天多数前往上海杨浦房地产交易中心办理业务的购房者,光排队就花了3个多小时。   “任何一个利好政策都会快速传递给市场,很多政策实际效果没有购房者心理效果大,但却加速了购房者的决策,这样就会造成房价波动。”多位接受采访的业内人士告诉本报记者,此前一线城市房地产市场的波动大致按年计算,现在波动速度明显加快,每个季度、每个月,甚至每周都会有变化。   比房东跳价和交易中心爆棚更惊人的是,上海虹口区一新盘昨天推出的352套总价上千万的新房,在一天内就被抢光了,销售额高达36亿元。   房东一天跳价三次涨70万   《第一财经日报》记者多方采访了解到,节后的第一个周末,上海各区县房地产交易中心均出现人满为患的情况,杨浦、闵行等区域的购房者因为挤不进去,只能在门外排队等待办理手续。   2月21日上午,记者来到上海静安区房地产交易中心,虽然已经到上午下班时间,依旧有6组购房者在一个窗口排队办理过户等手续。“下午这里的人还会更多。”现场一位购房者告诉本报记者,“年前年后国家都有一些利好房地产的政策出台,于是就赶紧来办过户。”   年前首付门槛的降低及年后房地产交易环节契税、营业税优惠政策的出台,虽然主要针对的并非一线城市,但市场心理开始发生变化,一线城市二手房交易已进入“卖方市场”,更多房东开始惜售观望,市场房源越来越少。   “房东惜售从今年1月就开始了,很多购房者因为节后才开始看房,因此在节前感受并不明显。而到了节后,随着购房者增多,房东开始频繁跳价。”上海中原地产控江分行蒋经理告诉《第一财经日报》记者,“上海内环附近一套2000年建好的老公房,春节前的挂牌价格是430万,上周四有购房者看中了,但房东却马上涨到了450万,购房者同意加价20万后,由于房东接到购房者的咨询很多,他再度涨到了490万,并再次获得了新购房者的成交意向,随后房东还是不愿卖,并将挂牌价涨到了500万。”   蒋经理遇到的房东涨价案例很多,他发现大部分房东在节后都将房屋的挂牌价上调了5%~10%,“目前市场可以交易的房子非常少,节后又是大量购房者开始看房的时候,自然导致了市场价格暴涨。”他说。   赵莉很幸运,节前下定后,房东并没有跳价,上周六虽然重感冒,她依然带病办完了房屋的审税手续。“交易中心都是人,根本听不清周围的人在说什么,每个窗口的队伍都排到了门外。”赵莉告诉记者。   “我本来去年6月就准备买房,当时脑子一热,把钱放在股市里,亏了不少,后来想想还是买房,就全部亏本卖出。由于我们之前的房子都是父母的名字,因此准备再买一套,用来投资。”赵莉透露。   政策利好大户型   日前,财政部等三部委为促进市场交易,出台了《关于调整房地产交易环节契税营业税优惠政策的通知》,旨在降低房产交易成本。其中,一线城市仅适用一条契税优惠:对个人购买家庭唯一住房(家庭成员范围包括购房人、配偶以及未成年子女,下同),面积为90平方米及以下的,减按1%的税率征收契税;面积为90平方米以上的,减按1.5%的税率征收契税。   以上海为例,此前契税税率为3%。对个人购买普通住房且该住房属于家庭唯一住房的,90平方米以下的,减按1%税率征收契税;90平方米以上的,减按1.5%税率征收契税。上海市地税局解释说,以前的政策中,必须是普通住房才有可能享受契税优惠,新政取消了“普通住房”这个条件,也就是说,无论是不是普通住房,只要符合新的规定条件,都可以享受契税优惠。   “上海此前144平方米以上(含)的住房需缴纳3%的契税,此次调整后,将降至1.5%。以一套1000万元的房屋为例,此前需要缴30万元的契税,而现在只要缴15万元,这类中高端房产交易将受益。”易居智库研究总监严跃进告诉本报记者。   上周五公布的这一政策已经开始影响一线城市周末的楼市交易。上海川沙某楼盘销售经理在朋友圈表示,由于周末客户很多,如果客户15分钟没有认筹就会直接接待下一组客户。截至2月21日14时18分,该楼盘的认筹数已达70个。    市中心房价迈入千万时代?   过去一年,上海以超过1.4万亿元的总成交金额成为全球最大房地产市场,成交量也创出历史新高,成交均价同比上涨18%,而对于市区的中高端楼盘成交均价同比不乏超过50%的增加。比如普陀位于中环的某楼盘,一套140平方米的房屋,2015年初销售价格为500万元,今年初则卖到了800万元。   2月21日,上海虹口区内环内某新楼盘推出的352套房源销售一空,一天完成了36亿元的销售额,每套房屋的销售均价接近1000万元。该楼盘本身的单价在8万元左右,购买人群主要是改善型购房者。北京、深圳也同样疯狂,伴随着土地价格走高和市场火爆,房价也是节节攀升。   “两年前一般1000万的房子都可以算是豪宅,但是从今年的情况来看,这些房屋多半只能算是改善型住宅。一线城市保持限购,很多家庭都会选择购买一套住宅,而置换型客户近年明显增加。”上海链家市场研究总监陆骑麟告诉记者。   多名业内人士告诉本报记者,一线城市教育、医疗等条件都更好,工作机会更多,随着人口的不断导入,房价自然水涨船高。此前很多七八百万的房子都已经卖到了上千万。很多人为了留在一线城市,更是举两代人之力购房,并加入银行杠杆,进一步推高了房价。   一线城市房地产市场的疯狂也引发了业内的警觉。上海中原地产一位内部人士向本报记者表示:“我们认为今年的情况可能需要谨慎看待,去年上海楼市的交易量很大,已经开始透支,目前的房价由于交易标的较少仍在上涨,但如果涨到购房者不愿意接手,市场自然会回调。而且,当房价需要靠三代人的力量才能买得起的时候,购房者也会犹豫。”   中信证券地产研究团队在报告中指出,房价急剧上涨之后,是否还存在足够的有效需求支撑市场的热度,值得投资者审慎看待。报告认为,如果宏观经济需要,2016年出现超预期的降息,则房地产市场可能会因此得到提振,推动一线城市房价上涨;如果2016年不出现降息,一线城市全年的楼市热度可能不如2015年,深圳等房价绝对水平和涨幅相对透支的城市,甚至可能出现下跌。 进入【新浪财经股吧】讨论相关的主题文章:

in the city and the junction of Zhengzhou City Long Town 一本正经的意思

Spring Festival O2O survey: the whole industry is in a semi paralyzed state, the rise of O2O after the first spring festival, there are expectations and helpless. Beijing Chinese commercial news reporters during the Spring Festival survey of several different levels of cities found, takeaway become the highest popularity of O2O business. However, in order to solve the consumer pain point of responsibility, O2O itself highlights the "Spring Festival pain point", almost all the industry in the Spring Festival period is in a semi paralyzed state. However, in the big platform has not tentacles down to the lower market reality, local entrepreneurship O2O project began to sprout. Food takeaway: during the highest penetration of the Beijing Daily reporter in the Spring Festival are at different levels of development, the city found that experience, in addition to Beijing, the birthplace of Shanghai O2O has been penetrated takeaway O2O, Zhengzhou, Qingdao and other big city and more three or four line city was also sold outside the platform cover. Among them, public comment, hungry, the U.S. group takeaway, Baidu takeaway, word of mouth network is the most widely opened takeaway O2O platform. Said in a Zhengzhou architectural design firm Miss Wang, last year was the most active takeaway platform for a year, "vigorously promote the preferential subsidies, they do not know what time to start, at noon in the unit when eating the first thought is one by one in the selection of dishes, takeaway platform than the price order". Beijing Daily reporter saw in the immediate vicinity of the Zhengzhou county city – Xinzheng City, in the city and the junction of Zhengzhou City Long Town, because of the university campus, the takeaway platform has been completed in. There are restaurants responsible person said, usually online ordering mainly in the vicinity of the University students. A takeaway platform shows that there are more than 800 monthly sales of restaurants. In addition to these big cities, including Shaanxi, Tongchuan, Shandong, Linyi and other places, takeaway is also the most active O2O business. Beijing Daily reporter in the major platform experience found, in addition to takeaway service, the platform has begun to promote flower delivery and other services. Beijing Daily reporter statistics, travel, online takeaway, buy movie tickets (expected), flowers, cake is the use of up to the consumer business, as for massage, housekeeping, supermarket distribution business, the three or four line of the city basically has not yet opened, consumers are less heard. Holiday disease: Although the first-line market also worry the platform with "the battle to the Spring Festival" attitude, but the Beijing Daily reporter found that experience, even first-tier cities during the Spring Festival, the O2O service is not satisfactory. Beijing Daily reporter in the new year’s Eve at 21:30 in Beijing, the use of a taxi software that Uber money can not hit the car, fast drops rate added to 3.3 times. Takeaway platform is facing collective "half closed" during the spring festival". In addition to providing normal service chain brands, a large number of businesses show pause service, no pause service is also a high delivery fee disguised shutdown. Beijing Daily reporter saw a small shop selling wonton the delivery fee referred directly to 246 yuan, and to solve the "illness" pain point of delivery O2O closed almost across the board during the spring festival. Due to platform attributes, business breaks and labor shortage are the biggest worries of O2O services in the first tier market. There are special car drivers said, many drivers Spring Festival back home for the new year, most of the stay is Beijing Yang

春节O2O调查:全行业处于半瘫痪状态   O2O兴起后的首个春节有期待也有无奈。北京商报记者在春节期间调查多个不同级别的城市发现,外卖成为普及率最高的O2O业务。不过,以解决消费痛点为己任的O2O自身也凸显“春节痛点”,几乎全行业在春节期间都处于半瘫痪状态。不过,在大平台还未将触角伸到低级市场的现实之下,当地创业O2O项目开始萌芽。   食为天:外卖普及率最高   北京商报记者春节期间分别在不同发展水平的城市体验发现,除了北京、上海这样的O2O发源地早已被外卖O2O打穿外,郑州、青岛等大城市以及更多三四线城市也被外卖平台覆盖。其中,大众点评、饿了么、美团外卖、百度外卖、口碑网等是开通服务最广的外卖O2O平台。在郑州某建筑设计事务所工作的王小姐表示,去年是外卖平台最活跃的一年,“在补贴优惠的大力推广下,自己不知道什么时候开始,中午在单位用餐时最先想到的是挨个在外卖平台选菜品、比价格下单”。   北京商报记者在紧邻郑州的县级市――新郑市看到,在该市与郑州市交界处龙湖镇,由于多所大学校区的存在,各大外卖平台已经完成入驻。有餐馆负责人表示,平时网上订餐的主要是附近大学的在校生。某外卖平台显示,有餐馆月销售量超过800单。   除了这些大城市,包括陕西铜川、山东临沂等地,外卖也是最活跃的O2O业务。北京商报记者在各大平台体验发现,除了外卖服务外,平台已经开始推广鲜花配送等业务。   北京商报记者统计数据显示,外卖、出行、在线购买(预计)电影票、鲜花、蛋糕等是消费者使用最多的业务,至于上门按摩、家政、超市配送等业务,三四线城市基本都尚未开通,消费者也较少听说。   假期病:一线市场也烦恼   虽然各大平台都抱着“决战到春节”的态度,但北京商报记者体验发现,即便是一线城市,O2O春节期间服务也不尽如人意。   北京商报记者于除夕夜21时30分在北京工体使用打车软件发现,Uber有钱也打不到车,滴滴快车费率加到3.3倍。外卖平台春节期间则面临集体“半打烊”。除了连锁品牌提供正常服务外,大量商家显示暂停服务,没暂停服务的也以高起送费变相停业。北京商报记者看到,某售卖馄饨的小馆起送费直接提到了246元,而以解决“急病”痛点的送药O2O春节期间几乎全线停业。   由于平台属性,商家休息和用工荒是一线市场O2O服务最大的烦恼。有专车司机表示,很多司机春节都回老家过年了,留下来的大多是北京司机,“节前公司发了通知,请愿意春节拉活的司机报名,不过并没有奖励机制,(司机收入)政策和平时一样”。有外卖平台负责人表示,平台会保留自建物流团队提供服务,但不会要求商家和第三方配送员正常服务,“毕竟春节期间大家都要过年,市场也没有那么大的消费需求。”   春节期间,刚需O2O平台同样面临烦恼。北京商报记者体验58到家、云家政等O2O平台发现,即便是各项服务均有所涨价,消费者也是“一单难求”。北京商报记者初一晚上登录河狸家App查了六位美甲师的档期,其中只有一位初二以后时间都可以预约,其他美甲师都要初五或初六以后才开工。   追概念:三四线市场已萌芽   虽然多数三四线城市的商家和消费者向北京商报记者表示未听过O2O,但已有当地创业项目瞄准了正热的O2O领域。不过,O2O创业项目在当地发展并不容易,市场开发难度远大于一二线市场。   北京商报记者在郑州调查发现,包括京东到家等大量主流到家平台均未在郑州开展业务,不过,菜便利、美道家等一大批当地互联网创业项目已经开始提供生鲜配送等类似服务。陕西铜川当地一个主流微信公号服务平台“铜小薇”显示,该平台可提供生活超市、特产、快餐、旅游以及找工作、家政、订票等生活服务,不过,外卖服务仅有1家餐馆和1家海鲜馆,而且需要提前一天电话预订,微信平台也只提供菜单。   在一线城市尚且处于试水阶段之时,三四线的尝试更多的像是追概念。北京商报记者体验多个当地O2O业务发现,除了服务不完善外,甚至有平台无法使用微信、支付宝等在线支付工具,只能通过现金付款。   教育市场是以创新模式为基础的所有O2O业务共同面临的问题。   山东临沂郯城某美甲店老板表示,自己做的是美甲、美容生意,每天来到店里的顾客很多,在不愁生意甚至店内人手不足的情况下从未想过上门服务。对于小城市生活的消费者,几乎所有被调查者均表示没有上门美甲需求。   北京商报记者 刘佳 王运 王茜 王明杨相关的主题文章: