Heba investment experiences 1. The value of investments and long-term holders, I most basic operating principles. 2. I always Mancang operation, the bank without any money; As long as we can uphold the concept of value investing, we are not afraid of the stock will fall in investment opportunities are ahead. 3. I have good market performance only buy stocks, even second-tier blue chips are rarely bought, has never met "concept stocks." 4. Seeing is believing, Indemnity investment in a stock, look at the best site to go to enterprises, the main industry and look at how the cost in the end. Heba year, 68-year-old, eight years ago, when the official retirement age of 60; Eight years ago, the stock market Heba 338,000 yuan, on the stock market reached 39.5 million yuan - 8 liquidity, turned 117 times! Heba being in the securities and 10,000 voted in the securities business department of Guangzhou, he has become a household name in the civilian heroes. As the older generation of nuclear physics scientist, with careful logic pragmatic spirit to the practice Heba benefited from the stock market investment; Its most legendary success stories in 2000, the bear market began five years, everyone is losing money, Heba funds actually turned several times. The market Discerning early knowledge Buffett Heba began speculating in stocks, not in between. In 1994, a listing prospectus, unit, assigned to the "indicators", together with five colleagues balloting, the fans Heba 2,000 yuan money, Heba just decided early "retirement", it is so enter the market. Real may enter the market for several decades engage in research work Heba is "a dark two" simply fail to understand graphics technology, the fundamentals of economic data is poorly understood; The market in the first two months of his knowledge of government everywhere, the end or found receipts not satisfactory. Everything in the state, Heba reflecting back on, that the face of the market complex strategy can not determine beard eyebrows and can only choose one of the most suitable strategies to operate. At that time, the United States Buffett also However, "the idea here," not now be enjoyed by the Chinese people recognized "status of the lakes"; Heba has read through the book he wrote that he and his similar age, occupational background similar investment should also be done in common. Buffett's stock trading core ideas? Heba identified two words: long-term holders and the value of investment. In the majority view, holding an array of stocks close to a year to do long-term, Hemo said: "A year? In 2001 I was so short. "Since 1998 Wanke bought after throwing Heba has never been, only covering the upbringing, a thinner is nearly 10, and also plans to added to continue; the remaining shares will take more than 35 months, ranging from 12, all of the holders of long lines.
Throughout the decades visited the seven major listed companies The so-called value investing is not just theory, Heba thousands of sincere emotion and recalled: "Some statements on the cosmetic company in a seamless, the actual operation is plagued with problems." Investment in the year, Heba also see some "awards", "increased orders", a buy the painful experience of the deficit; accumulated experience failure, Heba convinced that seeing is believing, optical companies can boast Notice how the hype, it is better to field trips to see the company in the end have no value. In 1996, Heba first visit to the inspection of listed companies is far from the one in Shanghai, the production of TV tubes large state-owned enterprises (The company had been changed), though industry leaders, but have not seen before out what color performance or innovative development of the notice. Heba went to the factory and found that their business is concentrated only produce television tubes only a new research project only "digital television research and development", no new doctrine of profitable projects. However, this is a business, from research and design to manufacture, possession of the most advanced domestic technology and personnel strength, its products have occupied half of the country. It makes Heba operational excellence left a good impression, which the investment firm belief, it was a buy on consecutive profitable. Thus, several years of stock trading practice is accompanied by Heba journey through inspections. He West Sichuan, participate actively in Changhong's general meeting of shareholders. North Beijing, the high-tech companies understand the actual "real situation"; The nearest between Guangzhou and Shenzhen, two more numerous. In recognition of the future potential of home appliances company, he even pay 6,000 yuan entrance fee, held in Nanjing in China Flat TV discussion summit, which was to ascertain the future direction of the development of digital television, a successful investment two TV monitors production enterprises. Survey Good companies will not look at cheaper Heba every one, the greatest concern is focused on the company's operating and cost control. In 2001, the bear market dismal operations, Heba carefully selected set of leading logistics group, soon after buying a small loss. Heba decision went to the company to conduct an investigation. However hospitality companies, because never have met only 10 million small shareholders inspection requirements, the company must establish a warm, friendly small shareholders a good image. In this way, Heba sitting in the car to inspect all containers workshop. He found that the popularity of modern machinery operation today, the company has to manually oriented production, equipment, plants are outdated; When the workshop can be a senior director on timber reserves are inadequate, the inspection company with him once a deputy chief of the Southeast Asian telephone hitting for speedy purchase, not the slightest a stingy.
Heba ponder: The container logistics companies, production is actually very simple, can be solved if the artificial low, why not adopt? This shows that enterprises know how to save money spent on the entire cost of the blade. After returning, Heba this company to add "positions." Five years bear market, he invested a total of four stocks: Set in Group B Vanke, opening A and the A side, the withdrawal of the way, "meeting" in the set, only the first three of his shares has been obtained in 2005, the market easily turned nearly five times, and his three "Baby" also Later published in the bear market rose only 29 of the "elite" companies in the list. Experience "Verification is their own stock trading value" Become a millionaire after 10 million remains humble life Heba abnormal wear is a few dozen yuan of old shirts, the bus ride home, the only large consumer once a promise is a big house, but also 100 square meters. Hemo said: "I just want to test their own stock trading value has been proven in practice, I do things right; Who intellectuals not to make money, not to get rich, knowledge is power, scientific selection, stick to the principle can earn money. " He advanced to the three children playing the site, not a penny of its own to the "legacy" of their own, after 100 years, stock trading proceeds donated to the cause of welfare
Sunday, September 9, 2007
The American Stock Exchange stock for the money Insider
The world's financial reports: http://finance.icxo.com appear, I predict Commissioner and the city to how you can legitimately from where money, and it is best not to the broker to Stop reasons. (Note: Exchange and the Shenzhen Stock Exchange's trading system is the electronic trading of single-drive automatic order matching system (to understand Nasdaq and the NYSE trading system TAC readers, I can see another one article <>), NYSE trading system with the main difference is less Moderator --- Commissioner stock. investment people, not electronic but unimportant electronic. Although China's trade system is not the existence, but if the customer acceptance of Securities Dealers Stop, it can be seen in the trading system All transactions alone, securities brokerage operations and business transactions can be self-mixing, it is entirely broker can do the same hands, from where you had the money.) If you buy a 105 yuan in 3000 shares of IBM stock, a few days after IBM's stock trading at 101 yuan. You are tense, let a hundred yuan in 3000 sold shares Stop your broker. Your broker will be to tell you this list Commissioner, the Commissioner has regarded it recorded in his notebook on the. This notebook English book called Commissioner (specialist book), which is designed to remember where you brokers on the trading of the list. The so-called Stop mean that so long as the IBM 100 yuan a transaction, your Stop automatically converted into single market, which is your 3,000 shares in the market, IBM will automatically be sold, regardless of the purchase price when the market is how much. If this is the book alone reduce the prices on the following: 101.0 sell 1,000 shares 100.5 sell 300 shares 100.4 sell 200 shares 100.2 buy 200 shares 100.1 buy 400 shares 100.0 buy 400 shares Buy 500 shares 99.5 Buy 1,000 shares 99.0 Nobody market transactions. Now intelligence tests that have come. If for some reason the (usually two, the first one is done his analysis, he wants to buy IBM stock; The second is his current state of positions is empty 2,000 shares, 2,000 shares of the so-called air means a few days ago from a person borrows 2,000 shares in the market, IBM has sold, he is others 2,000 shares in less IBM stock, which shares he is owed to also.) the lowest price to buy 2,000 shares of IBM, he should ask you how do?
If he has your 3,000 shares Stop in the hands of the case, he in the book plus a single reduce the prices: 99.6 in the 3000 buy shares. This is to reduce the prices of his own single buy, you will not forget the can with his own money transactions. Book now for such a change: 101.0 sell 1,000 shares 100.5 sell 300 shares 100.4 sell 200 shares 100.2 buy 200 shares 100.1 buy 400 shares 100.0 buy 400 shares Buy 3,000 shares 99.6 Buy 500 shares 99.5 Buy 1,000 shares 99.0 He then this time sending a "sell 1,000 shares of the single market (the current market price is to sell 1,000 shares)" to the book. We will see what happens transactions? What happens is that these transactions will: Commissioner 100.2 sold 200 shares Commissioner 100.1 sold 400 shares Commissioner 100.0 sold 400 shares (100 yuan because of a bid, you want to sell 3,000 shares Stop automatically converted to single market) Commissioner 99.6 in 3000 to buy the shares (that you sell him!) Not only 99.6 for the low price to buy 3,000 shares, but also to the high 100.0,100.1,100.2 sold 1,000 shares. He eventually bought 2,000 shares actually. Or filled his 2,000 shares short (meaning he owes others say the 2,000 IBM shares lost), or he wants more than 2,000 shares of Wharf. City are also doing the same thing. We can thus see that the city and Commissioner for customers in the sale of single-hand, much to their advantage. You can also see it in three 100.2,100.1,100.0 buy IBM's customers is because your Stop and suffer, because the market price is 99.6 Finally, it is throwing a three customers. City Commissioner and such behavior is absolutely legitimate, it is their major source of profit. Commissioner Another method is to make money after Jiancang, vigorously spread his good news. For example, IBM and Dell (Dell) shares is usually very linked, because they are the same industry companies. Today he saw DELL shares gone up, while IBM shares not how dynamic, he bought some IBM. Jiancang, he will vigorously with the agent said he had known all his theory, called on those brokers asked them to the fund managers want to buy IBM. To be recognized, these are usually the reasons for the stresses are justified, but he vigorously promote his theory of time, the stock has taken some. As can not continue to rise, fund managers look at the specific judgment.
If he has your 3,000 shares Stop in the hands of the case, he in the book plus a single reduce the prices: 99.6 in the 3000 buy shares. This is to reduce the prices of his own single buy, you will not forget the can with his own money transactions. Book now for such a change: 101.0 sell 1,000 shares 100.5 sell 300 shares 100.4 sell 200 shares 100.2 buy 200 shares 100.1 buy 400 shares 100.0 buy 400 shares Buy 3,000 shares 99.6 Buy 500 shares 99.5 Buy 1,000 shares 99.0 He then this time sending a "sell 1,000 shares of the single market (the current market price is to sell 1,000 shares)" to the book. We will see what happens transactions? What happens is that these transactions will: Commissioner 100.2 sold 200 shares Commissioner 100.1 sold 400 shares Commissioner 100.0 sold 400 shares (100 yuan because of a bid, you want to sell 3,000 shares Stop automatically converted to single market) Commissioner 99.6 in 3000 to buy the shares (that you sell him!) Not only 99.6 for the low price to buy 3,000 shares, but also to the high 100.0,100.1,100.2 sold 1,000 shares. He eventually bought 2,000 shares actually. Or filled his 2,000 shares short (meaning he owes others say the 2,000 IBM shares lost), or he wants more than 2,000 shares of Wharf. City are also doing the same thing. We can thus see that the city and Commissioner for customers in the sale of single-hand, much to their advantage. You can also see it in three 100.2,100.1,100.0 buy IBM's customers is because your Stop and suffer, because the market price is 99.6 Finally, it is throwing a three customers. City Commissioner and such behavior is absolutely legitimate, it is their major source of profit. Commissioner Another method is to make money after Jiancang, vigorously spread his good news. For example, IBM and Dell (Dell) shares is usually very linked, because they are the same industry companies. Today he saw DELL shares gone up, while IBM shares not how dynamic, he bought some IBM. Jiancang, he will vigorously with the agent said he had known all his theory, called on those brokers asked them to the fund managers want to buy IBM. To be recognized, these are usually the reasons for the stresses are justified, but he vigorously promote his theory of time, the stock has taken some. As can not continue to rise, fund managers look at the specific judgment.
Sunday, June 17, 2007
中国银行：上市后国家持股将降至50-60%
农行:股改方案三次未获国务院批准,股改延后
考虑到农行与整个农村金融体制千丝万缕的联系，有关部门计划将农行的股份制改革和整个农村金融体制的改革一起配套推动。这意味着，四大国有商业银行中，股份制改革启动最晚的农行，其改革进程还将延后 《财经时报》9月5日从中国农业银行有关部门获悉，农行的第三份股改方案仍未获国务院批准。此前，一些媒体曾报道农行在9月份将进行清产核资，目前这项工作也未展开。 今年5月，国家审计署就已进驻农业银行总行及21家地区分行进行审计，在经过一段时间的调整和总结后，9月初，审计署和其特派员办事处的审计人员重回农总行和分行，继续进行审计。预计审计工作在11月完成。 农行北京分行一位不愿具名的人士透露，在审计署完成审计前，他们不会进行清产核资。 据悉，近期农行亦无不良资产剥离方案。央行也表示，今年年内不可能向农行注资。这意味着，农行的股份制改革进程已被延后。更为重要的是，《财经时报》了解到，农行股改延期的原因之一，是有关部门考虑将其股份制改革与整个农村金融体系改革配套进行。 农行还得姓农 早在1996年《国务院关于农村金融体制改革的决定》中就已明确，建立和完善以合作金融为基础，商业性金融、政策性金融分工协作的农村金融体系，并充分发挥国有商业银行的主导作用。 就目前的实际情况来看，农行难以发挥支农主导作用，农村信用社是农村金融体制内唯一的支农金融机构。 农行与其他三大国有商业银行最大的不同是，农行肩负支农使命，尽管农行在向商业银行转轨的过程中，撤并了农村网点，但农行仍有45%的网点和人员在县城。 中国农业银行行长杨明生在不同的场合多次强调，农行不可能从农村完全撤出，农行会在农村支持优质产业和培植优良客户。 在金融专家秦池江教授看来，农行不要和工行等国有商业银行在城市里争业务，那不是农行的优势。 秦池江建议，农行可以和国外投资者或国际性的投资集团，投资一些合作项目。农行应把扶持农业的业务承担起来，好好培养，做到真正的支农。 牵一发而动全身 参与撰写农行股改报告的一位人士透露，农行改革既要考虑与其他三家国有商业银行改革的基本要求相符，又要考虑到农行与农村金融体制千丝万缕的联系。因此，有关部门的计划是，将农行的股份制改革“和整个农村金融体制的改革一起推动”。 在这位人士看来，目前农行的商业化改革还没有完成。 他甚至说，“每一种类型的农村金融机构都没有找到自己的方向，都还处于政策观望期。现在，国家有时候把农行当作商业银行看待；有时候又把农行当成了政策性银行。这种经营目标的多重性，使得改革错综复杂”。 与农行同属农村金融体系的其他金融机构改革的进展目前不一。 农村信用社改革从2003年6月启动以来，先后在除西藏(无信用社)和海南之外的29个省(区、市)全面开展试点。 至今，全国已有17家省级联社挂牌成立，另有9家省级联社批准筹备，天津合作银行、上海农村商业银行已挂牌开业。北京农村商业银行也将在最近正式挂牌。 有消息称，邮政储蓄银行的改革方案正在制订当中，尚未最后敲定。其业务定位将是特殊商业银行，对外发放小额贷款。 与农行关系最为密切的是农业发展银行，农发行的改革现仅停留在探讨阶段。 中国人民银行研究局副局长张涛在8月底表示，农发行市场化经营条件日益成熟，应尽快向合格的综合性开发金融机构转型。 他特别强调，农发行要支持实现农村金融发展的总体战略。 农行的硬伤与软伤 农村金融改革的进展不一、涉及面广，给农行股份制改革添加了变数。 对于农行改革的艰巨性和复杂性的认识，除了众所周知的农行不良资产是四大国有商业银行中最高这一“硬伤”外，农行也有不愿被人提及的“软伤”。 有专家认为，农行的品牌宣传明显不足。 农行经营政策性业务也给同行以“口实”，农行常被指扶贫贴息贷款投向不合理；利用贴息贷款开展不公平竞争；用政策性亏损掩盖商业性亏损等。 国务院发展研究中心一位研究农村经济发展的专家认为，农行要办成全面支持农业和农村经济的综合性银行，其定位必须确立为——主要为农业和农村经济发展提供综合性金融服务。
人民币借款合同
流动资金贷款类：＿＿＿＿贷款） 借款单位：＿＿＿＿＿＿＿＿＿ 地址：＿＿＿＿＿＿＿＿＿＿＿ 贷款银行：＿＿＿＿＿＿＿＿＿ 地址：＿＿＿＿＿＿＿＿＿＿＿ 签订日期：＿＿＿＿年＿＿月＿＿日 立合同单位：借款单位（简称甲方） 贷款银行（简称乙方） 甲方为适应生产发展需要，依据＿＿＿＿，特向乙方申请贷款，经乙方审查同意发放。为明确双方责任，恪守信用，特签订本合同，共同遵守。 １．甲方向乙方借款人民币（大写）＿＿＿万元，规定用于 ２．借款期限约定为＿＿＿＿年＿＿＿个月，即从＿＿＿＿年＿＿月＿＿日至＿＿＿＿年＿＿月＿＿日。乙方保证按计划和下达的贷款指标额度供应资金，甲方保证按规定的用途用款。预计分次用款计划为： ＿＿＿＿年＿＿月＿＿＿＿＿万元；＿＿＿＿年＿＿月＿＿＿＿＿万元；＿＿＿＿年＿＿月＿＿＿＿＿万元；＿＿＿＿年＿＿月＿＿＿＿＿万元。 ３．贷款利息，自支用贷款之日起，以支用额按月息＿＿＿‰计算，按季（或月）结息。甲方不按期归还贷款，逾期部分加收利息＿＿％；不按规定用途使用贷款，挪用部门罚收利息＿＿＿％；超储、积压设备、材料占用的贷款，加收利息＿＿％。 在本合同有效期内，如国家调整利率，从调整之日起，乙方即按调整后的贷款利率计（结）算贷款利息，同时书面通知甲方和担保单位。 ４．甲方保证按还款计划归还贷款本金。还款计划为： ＿＿＿＿年＿＿月＿＿＿＿＿万元；＿＿＿＿年＿＿月＿＿＿＿＿万元； ＿＿＿＿年＿＿月＿＿＿＿＿万元；＿＿＿＿年＿＿月＿＿＿＿＿万元。 甲方保证按下述方式按时付息： 甲方不能按时付息的，乙方有权从甲方帐户中扣收或暂时停止支付贷款。 ５．借款到期，甲方如不能按期偿还，由担保单位代为偿还。担保单位在收到乙方还款通知一个月后仍未归还，乙方有权从甲方（或担保方）的各项投资和存款户中扣收，或变卖甲方抵押的财产归还其借款。 ６．乙方有权检查贷款使用情况，了解甲方的经营管理、计划执行、财务活动、物资库存等情况。甲方保证按季提供有关统计、会计、财务等方面的报表和资料。 ７．在本合同有效期内，甲方因实行承包、租赁、兼并等而变更经营方式的，必须通知乙方参与清产核资和承包、租赁、兼并合同（协议）的研究、签订的全过程，并根据国家有关规定落实债务、债权关系。 ８．需要变更合同条款的，经甲乙双方协商一致，应签订借款合同补充文本。 ９．甲方需向乙方填送借款申请书，并对偿还借款本息，以抵押或（和）第三方保证的方式提供担保，并签订抵押、担保协议书。甲方填送的申请书和各方签订的协议书，均为本合同的组成部分。 １０．（甲方双方商定的其它条款） １１．本合同自签订之日起生效，贷款本息全部偿清后失效。 １２．本合同正本三份，甲乙方、保证方各执一份，副本＿＿份，送乙方财会部门和有关部门。 借款单位：（公章） 贷款银行：（公章） 法定代表：（签字）＿＿＿＿ 法定代表：（签字）＿＿＿＿＿＿ 或负责人：（签字）＿＿＿＿ 担保单位：（公章）＿＿＿＿ 法定代表人：（签字）＿＿＿＿
人民币防伪技术
第五套人民币100元券在防伪技术上采用了多种技术，主要有：
（1）固定人像水印：位于正面左侧空白处，迎光透视，可见与主景人像相向、立体感很强的毛泽东头像水印。
（2）红、蓝彩色纤维在票面的空白处。可看到纸张中有红色和蓝色纤维。
（3）磁性微文字安全线。钞票纸中的安全线，迎光观察，可见“RMB100”微小文字，仪器检测有磁性。
（4）手工雕刻图像：正面主景毛泽东头像，采用手工雕刻凹版印刷工艺，形象逼真、传神，凹凸感强，易于识别。
（5）隐形面额数字：正面右上方有一椭圆形图案，将钞票置于与眼睛接近平行的位置，面对光源作平面旋转45度或90度角，即可看到面额“100”字样。
（6）胶印缩微文字：正面上方椭圆形图案中，多处印有胶印缩微文字，在放大镜下可看到“RMB”和“RMB100”字样。
（7）光变油墨面额数字正面左下方“100”字样，与票面垂直角度观察为绿色。倾斜一定角度则变为蓝色。
（8）阴阳互补对印图案票面下面左下方和背面向下方均有圆形局部图案，迎光观察，正背面图案重合并组合成一个完整的古钱币图案。
（9）雕刻凹版印刷：正面主景毛泽东头像、中国人民银行行名、盲文及背面主景人民大会堂等均采用雕刻凹版印刷，用手指触摸有明显凹凸感。
（10）横竖双号码；正面采用横竖双号码印刷（均为两位冠宇、八位号码）、横号码为黑色，竖号码为蓝色。
（1）固定人像水印：位于正面左侧空白处，迎光透视，可见与主景人像相向、立体感很强的毛泽东头像水印。
（2）红、蓝彩色纤维在票面的空白处。可看到纸张中有红色和蓝色纤维。
（3）磁性微文字安全线。钞票纸中的安全线，迎光观察，可见“RMB100”微小文字，仪器检测有磁性。
（4）手工雕刻图像：正面主景毛泽东头像，采用手工雕刻凹版印刷工艺，形象逼真、传神，凹凸感强，易于识别。
（5）隐形面额数字：正面右上方有一椭圆形图案，将钞票置于与眼睛接近平行的位置，面对光源作平面旋转45度或90度角，即可看到面额“100”字样。
（6）胶印缩微文字：正面上方椭圆形图案中，多处印有胶印缩微文字，在放大镜下可看到“RMB”和“RMB100”字样。
（7）光变油墨面额数字正面左下方“100”字样，与票面垂直角度观察为绿色。倾斜一定角度则变为蓝色。
（8）阴阳互补对印图案票面下面左下方和背面向下方均有圆形局部图案，迎光观察，正背面图案重合并组合成一个完整的古钱币图案。
（9）雕刻凹版印刷：正面主景毛泽东头像、中国人民银行行名、盲文及背面主景人民大会堂等均采用雕刻凹版印刷，用手指触摸有明显凹凸感。
（10）横竖双号码；正面采用横竖双号码印刷（均为两位冠宇、八位号码）、横号码为黑色，竖号码为蓝色。
第二套住房贷款利率仍可八五折
中国农业银行日前宣布对个人住房浮动利率贷款和固定利率贷款进行调整。根据新规定，购买第一套自住商品房和符合条件的第二套住房，均可享受利率优惠。 农业银行是央行8月19日加息后，首家公布全国统一房贷细则的国有商业银行 。 央行8月19日加息的同时，将商业性个人住房贷款利率下限由贷款基准利率的0.9倍扩大到0.85倍。 农业银行规定，对于8月19日前取得农业银行个人住房浮动利率贷款，并合同约定利率执行贷款基准利率0.9倍的客户，凡在2007年1月1日利率调整时还本付息正常、没有逾期的，或者由于非恶意原因逾期两期(含)以内的，农行将主动对其贷款利率按照现行下限利率即基准利率的0.85倍执行。 对于8月19日以后新发放的个人住房浮动利率贷款，农业银行将对贷款购买第一套自住普通商品住房(含经济适用房)的利率按照基准利率的0.85倍执行。对于符合条件的二次置业者将可获得与首次置业者同等的利率优惠条件。但购买第三套住房的人不享受优惠贷款利率。 据了解，农行于8月下旬开展个人住房固定利率贷款，首批选择北京、上海、浙江、江苏等28个一级分行开办该业务，业务范围包含一手住房贷款和二手住房贷款，暂不包含商业用房贷款。
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