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在富阳东吴医院好不好富阳流产的最佳时间富阳人流到哪个医院好 Business商业报道Corporate governance公司治理Not King Coal不是煤老大The Rothschild-Bakrie marriage hits the rocks罗斯柴尔德与巴克利联姻遭遇危机IN AN early episode of Sergeant Bilko, a 1950s TV comedy, the eponymous hero rents an empty store.上世纪五十年代的电视喜剧《毕尔克警长》中有这么一个情节,主人公毕尔克盘下了一个空店面,His fellow soldiers, convinced that the armys smartest operator sees a business opportunity, beg to be made partners.他的战友们坚信,这位军营中最聪明的指挥官看准了一个商机,苦苦要求与他一起干。Not all do well out of the deal.合作中遇到很多不快。Nat Rothschild also has a name that inspires confidence among investors. The scion of a European banking dynasty,罗斯柴尔德在投资者中同样享有较高的信任度,这位是欧洲王朝的后裔。Mr Rothschild raised £707m to create his own empty store, a London-listed cash shell named Vallar.斥资7.07亿英镑也创立了他自己的一个空店面,伦敦上市的一个现金空壳Vallar,He then used the cash to buy stakes in two coal-mining ventures in Indonesia associated with the Bakrie group, a family-owned conglomerate.之后他用这些资金购进印尼家族航母公司巴克利集团旗下两个矿业公司的股份。Bumi PLC, the British-based company that emerged with Mr Rothschild as co-chairman, appealed to cautious punters who might otherwise have shied away from risky commodity bets in faraway places.罗斯柴尔德先生也是英国布米能源的董事长,这家公司对那些不喜欢高风险的谨慎型投资者很有吸引力。But the marriage of British finance and Indonesian business is on the rocks, and investors are sore.但英国资金与印尼商机的联姻就要破裂,投资者苦不甘言。On February 3rd the Bakrie family and Samin Tan, an Indonesian businessman, called on Bumis shareholders to unseat Mr Rothschild from the board.2月3日,巴克利家族和印尼商人萨门?汤呼吁Bumi公司的把罗斯柴尔德从董事长的位子下拉下来。The move came after months of boardroom strife, which began when the Bakries sold half of their stake to Mr Tan, to pay off debts.董事会内部冲突已持续数月。此前巴克利为偿还债务,将其所持股份的一半出售给汤先生,于是起了争端。It worsened last November when Mr Rothschild called for a radical ‘cleaning up of the balance-sheet and corporate culture of Bumis Indonesian affiliate.去年11月,罗斯柴尔德先生要求对Bumi印尼分公司的资产负债和企业文化进行彻底清洗,冲突愈演愈烈。Bumis share price is down by two-fifths from a year ago.股价也比一年前跌了五分之二。Few in Indonesia were surprised by the clash.在印尼,几乎没有人会对这场冲突感到大惊小怪。The Bakries have commercial and political clout, and are used to getting their own way.巴克利在商业上和政治上具有很大影响力,一向我行我素。In Britain the spat has added to investors concerns that a premium London listing is too easily awarded to companies that have controlling shareholders,在英国,冲突加剧了投资者的担心,他们认为,对于控股公司以及不安定地区的风险经营,as well as risky operations, in unstable places.伦敦上市公司的回报太过容易。Mining and oil companies account for some 30% of the value of Londons stockmarket, about twice the global weighting.矿业、石油公司占伦敦股市价值的30%左右,几乎是其他股市总和的两倍。Some of them are established firms, such as BHP Billiton, BP and Shell, but they also include a newer breed of mining stocks,它们中有些是实体性的公司,如必和必拓、英国石油和壳牌。such as ENRC and Bumi, which are ostensibly British companies but the balance of power among shareholders lies elsewhere.但也有一些是矿业股票的衍生公司,如欧亚资源和布米能源,它们表面上看是英国公司,但实际股份控制权在别处。The clashes between Mr Rothschild and his Indonesian partners show that his model of bolting British governance standards onto a foreign firm is defective, says a fund manager in London.伦敦的一位基金管理人表示,罗斯柴尔德先生与其印尼合作伙伴的冲突表明,这种将英国公司的治理方法应用于外国公司的模式存在缺陷。Fund managers who dont like the way a company is managed can in principle steer clear of it.一般来说,不喜欢这种公司管理方式的基金管理人能够避开这样的公司,But a company that qualifies for a London listing is also a candidate for inclusion in stockmarket indices,但是一家公司有资格在伦敦上市,就有可能被用以计算工业。such as the FTSE 100, an industry benchmark.基准FTSE100等股市指数,Low-cost funds that track such indices are obliged to buy these stocks whatever their merits.追随这种指数的低成本基金不得不购买这种股票,不管它有没有投资价值。And active fund managers can ill afford to steer clear of too many mining stocks or their portfolios might trail the overall market.那些积极的基金管理人可能无法避开太多的矿业股或者矿业股组合,他们也许会追逐大市。Set-ups like Bumis seem designed to tap into this captive pool of capital.布米能源等公司的组建似乎就是用来圈钱。Ernest Bilko would admire the ingenuity. But investors deserve better.欧尼斯特·毕尔克也会对这种天才的做法羡慕不已。但投资者理应得到更高的回报。 /201305/241370Science and technology科学技术Another Earth?另一个地球?Home away from home远离家乡的家ONE of the more memorable slogans to come out of the climate-change talks in Durban over the past few days is:在过去几天的Durban气候变化会谈上提出的较难忘的口号之一就是:there is no planet B.没有星球B,But what if there were?但是如果有呢?Over the past couple of decades astronomers have logged thousands of so-called exoplanets在过去的几十年内,天文学家记载了数以千计的所谓的外行星worlds which orbit stars other than the sun.饶太阳以外的星球轨道运行的宇宙。On December 5th the scientists in charge of Kepler, a space telescope designed to look for such planets, confirmed their instruments discovery of its first Earthlike world.12月5号,负责开普勒号的科学家确认他们的仪器发现了第一个类地球星体,It is dubbed, rather unromantically, Kepler 22b.开普勒号是专门为寻找这样的类地球星体而设计的太空望远镜。The existence of this planet, which circles a star 600 light-years away, in the constellation of Lyra,存在这么一个行星,它环绕天琴座星系中一颗600光年远的恒星运行,之前被怀疑的不存在,had previously been suspected. Kepler, which belongs to NASA, Americas space agency, works by observing dips in a stars brightness as a planet passes in front of it.开普勒号,隶属于美国国家航空与宇宙航行局,即美国航天局,它通过观察当行星通过时恒星光亮度的变化来工作。It flags likely looking reductions as candidate planets, of which Kepler 22b was one.它标识显现的光度弱化可能为候选行星,开普勒22b就是一个。But three passes are needed to confirm a planets existence, and Kepler 22b has now passed this test. Crucially, it orbits well within its stars Goldilocks zone:但是一个行星的确认需要通过三个检测,开普勒22b现在已经通过检验。最重要的是,他环绕着其恒星的适居带很好地运行;neither too close nor too far away for liquid water to exist on its surface.不会太近也不太远液体水可能存在在上面。It joins two other Earthlike planets.它加入了另外两个类地球行星。Gliese 581d and HD 85512 b—discovered by another instrument within the past few years.Gliese 581d 和HD 85512 b—在过去的几年里被另外的仪器发现的。In truth, the term Earthlike is a stretch.事实上,类地球行星这个词言过其实,Kepler 22b has a radius 2.4 times that of Earth, and if it is made from roughly the same stuff its surface gravity will also be about 2.4 times as strong.Kepler 22b半径是地球的2.4倍,如果它和地球的组成大致相同,它的表面引力也将大约高达地球引力的2.4倍。But NASAs astronomers remain unsure whether it is predominantly gaseous, liquid or solid.但是美国国家航天与宇宙航行局的天文学家仍不能确定它主要是气体的、液体的或是固体的。Nevertheless, Kepler 22b is the most promising exoplanet yet found.然而,Kepler 22b 是目前发现的最有希望的外行星。Unlike the others, which skirt the edges of their stars Goldilocks zones, Kepler 22b orbits comfortably within its own.不像其他行星不在恒星的适居带,Kepler 22b 在它的适居带舒适地运行。NASAs researchers reckon its surface temperature is about 22C, compared with 15C on Earth.美国国家航空与宇宙航行局的研究人员通过与地球表面温度15C比较,估算出它表面的温度大概是22C。Its parent star is similar to the sun, again unlike those of the other two candidates, both of which orbit cooler, dimmer stars.它的母恒星与太阳相似,这又与其他两个候选外行星不同,其他两个候选外行星都环绕较冷的、较昏暗的恒星运行。Indeed Gliese 581ds parent is a red dwarf—the tiniest stellar species.Gliese 581d的母恒星确实是一个红矮星-最小的星系。That means its Goldilocks zone is so close to it that the planet may be tidally locked, as the moon is to the Earth.那意味着适居带非常接近它以至于行星可能被潮汐力锁住,就像月亮对于地球一样。If that were the case, one side of Gliese 581d would be permanently lit while the other experienced unending darkness.如果是那样的话,Gliese 581d的一面将会是常年光亮的,而另一面将会是无尽的黑暗。These three potentially habitable exoplanets may soon be joined by many more.很快可能有更多的外行星加入这三个可能适合居住的外行星中。In the two and a half years since its launch, Kepler has spotted 2,326 candidate planets.Kepler自发射以来的2年半里已经发现了2,326候选行星。About 650 others have been discovered by other instruments.其他仪器大约发现了另外650个行星。That plethora allows astronomers to start drawing conclusions about how common various sorts of planets are.大量的行星使天文学家开始得出行星种类繁多的结论。Of Keplers haul, 9% seem to be of a similar size to Earth;Kepler捕获的行星中9%大小与地球相似;a further 29% are Super Earths—planets substantially larger than Earth that are nevertheless rocky.Kepler 发现的行星29%是超级地球-实质上比地球大,不过地球是岩石类行星。Forty-eight of Keplers unconfirmed candidates look as if they orbit within their stars habitable zones; of those, ten seem to be Earth-sized.Kepler未能确认的候选行星48%看起来似乎是在适居带运行;其中,有10个与地球大小类似。The ultimate goal, of course, is to let astronomers make a plausible estimate of the total number of planets in the galaxy, of the number that could conceivably support life, and of the fraction of those that could sustain human colonists.当然最终的目标是让天文学家对系的行星总数、确定可以维持生命的行星数和那些可以维持人类殖民者生命的行星比例做出一个接近可信的估算。If only a few of Keplers possible Earthlike planets turn out to be real, that third number is likely to be in the millions.如果Kepler类地行星中只有很少被明是真的,第三个数可能是数百万。Such knowledge will mark an historic transition, says Chris Lintott, an astronomer at Oxford University who is giving the Kepler team a hand with the data analysis,一位牛津大学的天文学家Chris Lintoot说这些知识是历史转变的标志,他对Kepler团队给以数据分析的援助,since the uncertainties around the question of whether life exists elsewhere will cease to be astronomical and become purely biological.从此关于其他地方是否存在生命问题的不确定性将不再是天文学问题,Based on the preliminary data, it looks as if there are numerous suitable planets.而是变成了纯粹的生物问题基于这些初始数据,似乎有许多合适的行星,The science of exobiology may soon cease to be an oxymoron.外空生物学将不再是一个矛盾修饰。 点击此处下载本期经济学人讲解PDF与音频字幕 /201306/245485富阳区那做无痛人流安全

富阳哪个医院做包皮好Science and technology科学技术3D printing三维压制A third-world dimension第三世界的发展空间A new manufacturing technique could help poor countries as well as rich ones一项新的制造技术能够对贫困国家有所帮助,就像对那些富有国家的帮助一样。EVERY summer, Seattle holds a raft race in Green Lake, a park that is the eponymous home of the water the rafts must cross.每年夏天,西雅图都会在绿湖举行一场木筏比赛,参加比赛的木筏必须渡过这个湖,这里的公园因其湖水而闻名。Entries for the Milk Carton Derby have to be made from old plastic milk bottles.参加这场同城牛奶盒比赛的木筏必须是由旧的塑料牛奶盒制成。The result is a wonderfully Heath-Robinson collection of improvised craft.结果,你就会看到一场奇妙的希思-鲁宾逊简易工艺展。But this year one stood out: the entry from the University of Washingtons engineering department actually looked like a boat.但是今年,有一个参赛的木筏特别引人注目:这个木筏是华盛顿大学工程系做的,看起来真的像一只船。The students who built it, Matthew Rogge, Bethany Weeks and Brandon Bowman, had shredded and melted their bottles, and then used a 3D printer to print themselves a plastic vessel.制造这个木筏的学生—马修罗格、伯斯尼威克斯和布兰登伯曼,把他们收集的塑料盒切碎后再熔化,再使用一种三维压印技术压印成一种塑料容器。No doubt the Milk-Carton-Derby rules will be tightened next year—though in the end, the team came only second.毫无疑问的是,同城牛奶盒比赛的规则明年会更加严格—虽然最后,这个队只赢得了第二名。But they did come first in a competition that mattered more.但是,他们在比赛中首次出现的意义却更重大。On October 19th they won 0,000 in the 3D4D Challenge, organised by a charity called techfortrade.在10月19日,他们在由一个称为技术为了贸易更美好的慈善组织组织的三维-四维挑战赛中赢得了十万美元的奖金。3D printing is all the rage at the moment.三维压印目前正是风靡一时。Several varieties of the technique exist, using a wide range of materials as the ink.利用几种不同的现有技术,再加上大范围的原料—称之为墨水就可以操作了。One of the most popular methods, though—and the one used by the team—works by extruding a filament of molten plastic.尽管,最流利的一种方式—就是那个参加比赛的队伍使用的,只是挤压成一条熔化后的塑料细丝。In the case of the teams printer, this plastic was high-density polyethylene from milk bottles.就这个参赛队伍的印刷技术来说,这种塑料是由牛奶盒提炼出的高密度聚乙烯。The print head makes repeated passes over the thing being printed, leaving a plastic trail as it does so.打印头重复地打压着半成品,当它重复这样的过程后,只留下一条塑料丝。It thus builds up a three-dimensional structure.最后,就生产出了一个三维产品。3D printing is now taken seriously by manufacturers as an alternative to cutting, bending, pressing and moulding things.制造商们正在认真考虑三维压印技术,想用它来替代切割、弯曲和压制成型机器。It is also a popular hobby among those of a geeky disposition.而且,它在那些古怪的配制中也算比较受欢迎了。What it has not been used for so far is to help people in poor countries improve their everyday lives.只是,到目前为止它还没被应用于贫困国家,帮助那里的人们改善他们的生活。Mr Rogge, Ms Weeks and Mr Bowman intend to employ their prize money to do precisely that.罗格先生,威克斯女士和伯曼先生打算用他们的奖金去实现这个目标。They plan to form a firm that will, in partnership with a charity called Water for Humans, custom-build composting toilets and rainwater collectors.他们打算与一家称为为人类提供生活之水的慈善组织合作,创建一家专门生产自动堆肥厕所和雨水收集容器的公司。The partnership will look for suitable local entrepreneurs in poor countries and will train them how to build, use and maintain the printers.他们的合伙人将会在那些贫困国家中寻找当地合适的企业家,并且会训练他们怎样组装、使用和保养压印机器。Once the technology is established for toilets and water collectors, other products will be introduced.一旦这种技术应用于厕所和集水箱,那么将会产生一系列的其它附属产品。The local partners will know what products are needed and how much people are prepared to pay for them—and therefore what is worth making.当地的合作者瘵会了解,这里需要什么样的产品,这里的人们愿意花多少钱来购买—因此这是值得试试的。The operation will thus run on a commercial basis.这种运作将会基于一种商业操作模式。But the software that controls the printers will be open-source and available to all, as will many of the designs for things the printers can make.但是,控制压印机器的软件将会成为公共资源,所有人都可以使用,就像当时设计这种压印机器时的设想一样。That way, the technology can sp.这样的话,这种技术将能很快传播开来。A trial will begin soon in Oaxaca, Mexico.墨西哥的瓦哈卡将会很快进行这种试验。The crucial point about the teams printer is that it combines size and cheapness.威克斯小组的压印机最关键的一点是,它的大小正合适而且价格很便宜。Printers used by hobbyists are not expensive, but they are small.供业余爱好者使用的压印机并不贵,而且很小巧。Many would find it hard to make anything larger than a coffee cup.许多人发现这个机器做出的东西都没一个咖啡杯大。Those used by engineering companies cost serious money—and even they might balk at printing an object the size of the Milk Carton Derby boat.那些工程公司使用的压印机成本很高—甚至他们也无法压制出像同城牛奶盒比赛中那样大的木筏。The teams printer is built around a second-hand computer-controlled plasma cutter.那个参赛队伍的压印机是由一台二手电脑控制的空气等离子切割机做出来的。This directs the movement of an extruder that melts flakes of plastic into a thin stream which can be squirted out as required.电脑控制着挤压机里的一切运作—即先熔化塑料,再挤压成细细的液体状,当需要时就可以喷射出来进行压制。It is able to create things with dimensions of up to 2.5 metres by 1.2 metres by 1 metre.这种机器可以生产出长2.5米,宽1.2米,高1米的物品。Appropriately, many of its parts were themselves manufactured on a desktop 3D printer.产品的许多部分还是来自于原材料,只是经过了一台台式三维压印机的处理而已。The ink is cheap, too. High-density polyethylene is as common as muck—literally, for a lot of it ends up on refuse tips.墨水也很便宜。高密度聚乙烯很常见,就像随处可见的泥土一样—就是这个意思,因为垃圾堆中有大量这种材料。Chop it up, though, and it is grist to the mill.但是,一定要记得剁碎它,这对压印机很重要。Mr Rogge estimates that if he and his colleagues had printed their boat from commercial plastic filament it would have cost them 0.罗格先生估计,如果他和他的同事利用商业塑料丝来制作这条船的话,那么成本会高达800美元。Instead, 250 clean, empty milk bottles set them back just .20.相反,他们用250个干净的,空牛奶盒只花了3.2美元。Some technical questions remain.不过,还有一些技术问题。High-density polyethylene shrinks when it cools.高密度聚乙烯遇冷会收缩。That stresses the object being printed and can sometimes tear it apart.这个不足也反应到了压制出来的产品上,产品有时都能完全扯开。The students are therefore working on a second prototype that prints things faster, allowing the layers of plastic to cool almost simultaneously.因此,这些学生们正在努力制作第二个样品,以提高压制速度,而且确保让塑料层几乎能同时冷却下来。They are also experimenting with making things from other types of waste plastic that suffer less from shrinkage.他们也在试验用其它类型的废塑料制作产品,以减少收缩性。And until a production version of the printer is y and priced, it remains to be seen how competitive its output really will be with mass-produced items.在压印机生产出来的成品已经完全没有问题,而且定出合理的价格以前,这种产品与大批量生产的成品的竞争力谁高谁低还有待观察。Mr Rogge doubts, for example, that a 3D-printed bucket—even one made from milk bottles—will ever be cheaper than one made in a factory.罗格先生还不确定,比如说,一个三维技术压制出来的水桶—即使原材料是牛奶盒—的价格会低于工厂生产出来的水桶价格。Boats, though, could be a hit.虽然,木筏可能会是个创举。One of the judges at the 3D4D Challenge noted that many small vessels in West Africa are made from trees, such as teak, that are becoming scarce.在三维-四维挑战赛中的一位评委说,在西非,许多小容器就是由树木,比如柚木制成的,而这种木材也越来越少了。Making them from waste plastic instead would be an environmental twofer: rare species would be conserved and less rubbish thrown away.如果用废塑料制作这些容器将会对环境是一举两得:珍稀物种得到了保护,而且还减少了垃圾 /201401/272528富阳做流产究竟多少钱 富阳治疗前列腺肥大囊肿医院

富阳那家医院无痛人流做的好Science and technology科学技术Quieter traffic更安静的交通When the rubber hits the road当橡胶遇上公路Turning old tyres into new roads can help cut noise pollution把旧轮胎建成新式道路可以减少噪音污染AROUND one heart attack in 50 in rich European countries is caused by chronic exposure to loud traffic, according to the World Health Organisation.据世界卫生组织报道,在欧洲发达国家中,平均每50个人就会有一个由于持续暴露在交通噪音中而患上心脏病。The ill-effects of noise pollution in such countries are second only to those from dirty air, says the WHO. Long-term exposure can cause hormonal imbalances as well as mental-health problems.WHO还说,在这些国家,噪音污染产生的不良反应仅次于空气污染,长期暴露不仅会造成激素失调,还会引发精神问题。Roadside barriers can help dampen the racket, but they are expensive—up to 0,000 per kilometre—and they often serve as magnets for graffiti.路边声屏障可以减少喧嚣,但它们太贵了——每公里高达60万美元,而且很容易变成乱涂乱画的场所,Besides, they work less well on windy days and are impractical along city streets. Happily, there is another option.此外,它们在多风的时候效果并不好,更何况在城市街道边安装也不大现实。幸运的是,我们还有其他选择。By adding rubber “crumbs”, reclaimed from shredded tyres, to the bitumen and crushed stone used to make asphalt, engineers are designing quieter streets.在沥青和碎石里添加从轮胎碎片中回收的废胶末,再铺成柏油路,这样工程师可以设计出更加安静的街道。First used experimentally in the 1960s, this rubberised, softer asphalt cuts traffic noise by around 25%.第一条试验性道路出现在20世纪60年代,这种加入橡胶而变得更柔软的柏油路可以减少约25%的噪音,Even better, it also lasts longer than the normal sort.更棒的是它的寿命比普通路面更加持久。Not surprisingly, rubberised asphalt is catching on.参入橡胶的柏油路渐渐变得流行起来,Enough tyres are recycled in America each year to produce 20,000 lane-miles of the stuff, enough to re-pave about 0.5% of Americas roads, according to Liberty Tyre Recycling, a Pittsburgh firm that handles around a third of Americas recycled tyres.这并不奇怪,根据自由轮胎回收公司的说法,美国每年回收的轮胎足够修建2万英里的橡胶柏油路,足够重新铺设美国0.5%的公路。Rubber roads are also popular in China, Brazil, Spain and Germany.在中国、巴西、西班牙和德国,这种橡胶路同样非常流行,Their popularity could sp further, since it is now possible to make rubberised asphalt less expensively than the traditional sort.由于现在可以把橡胶柏油路的成本控制得比传统路面还低,所以这种趋势会越来越流行。That is because rubber can partially replace bitumen, the binding agent used to hold the crushed stones together in ordinary asphalt.由于橡胶会部分替代沥青,在传统柏油里面,沥青这种粘合剂的作用是把碎石裹在一起,Bitumen is derived from oil, which means its price has risen over the past decade alongside that of crude oil.而沥青源于石油,这意味着过去十年其价格随着原油价格的上涨而增加,Discarded tyres, by contrast, are cheap and are likely to get cheaper.相比之下,那些废弃的轮胎不仅便宜,In rich countries, around one tyre is thrown away per person per year.而且会变得越来越便宜。在发达国家,平均每人每年都要扔掉一个轮胎,They are piling up especially quickly in Europe, where dumping them into landfills was banned in 2006.轮胎的累积在欧洲特别迅速,因为2006年欧洲禁止把它们倒入垃圾堆。Rubberised asphalt keeps the noise down in a couple of ways.橡胶柏油能减小噪音的两个原因如下:Pores between the stones in standard asphalt must be small, because if the gaps are too big the bitumen binding cannot do its job properly.在标准柏油里,碎石之间的气孔必须很小,如果缝隙太大,沥青就不能正常约束碎石,Adding rubber thickens the bitumen.橡胶的加入可以使沥青变厚,That allows bigger pores, which help to trap and disperse sound waves.允许更大的气孔存在,这样就有助于捕获和分散声波;The rubberised bitumen itself is flexible and slightly springy, which enables it to absorb more unwanted sonic energy.而参入了橡胶的沥青本身也具有柔韧性和轻微的弹性,这可以使它吸收更多讨厌的音波能量。Shredded tyres are not the last word in exotic road toppings.轮胎碎片并不是最新式的道路添加物,A substance called PERS, or poro-elastic road surfacing, is being developed with a mix of private and public money in the European Union.欧盟依靠公共资金和私人资金开发了一种叫PERS东西,It is made from a blend of crushed rock, rubber and polyurethane, a synthetic plastic that replaces bitumen as the binding agent and allows even bigger pores in the road surface.它由碎石、橡胶和聚氨酯制成,人造塑胶聚氨酯可以代替沥青,因为这种粘合剂可以允许更大的气孔存在于路面。PERS is not cheap, costing around five times as much as rubberised asphalt.PERS并不便宜,其成本几乎是橡胶柏油的5倍,But you get what you pay for:但这完全物有所值,tests suggest it can cut road noise in half.据Luc Goubert测算,在一些特别吵闹的地方可以减少一半的噪音。In some particularly noisy areas, reckons Luc Goubert, who is co-ordinating the PERS project at the Belgian Road Research Centre in Brussels, the resulting boost to property values—and, therefore, land taxes—could help cover the cost.这个结果也推动了周边的房产价格—所以地税或许可以帮助抵消掉成本。 /201307/249188 Commerzbank德国商业Das slog步履维艰The second-biggest bank in Europes strongest economy still faces an uphill task欧洲最强经济体的第二大仍然面对提高业绩任务。Jul 27th 2013 | Berlin |From the print editionCOMMERZBANKS marketing materials show a woman running in a grey, hooded jumper, headphones in her ears. Her eyes are locked on the path ahead in determination to finish her workout. This is probably meant to flatter the banks customers as gritty and hard-working. But it is a better metaphor for the bank itself. It is on a long, hard road back to health, a journey that exemplifies the painful reshaping of Europes troubled banking system to be smaller, safer and more domestic.德国商业的营销材料上画着一名女子,身穿灰色衣跑步,带着连衣帽,耳朵里塞着耳机。眼神坚毅,死死盯着前方的路,志在完成自己的锻炼计划。这可能是在讨好自己的客户,暗指他们都是坚韧不拔,工作勤奋。但是这个隐喻或许更贴合自身的实际。德国商业离回到良性发展还有很长的路。这是欧洲陷入危机的体系转向更小,更安全和更本土化的痛苦转型的很好的例。Commerzbanks initial trajectory through the crisis resembles that of another European lender, Britains Lloyds Banking Group (LBG). Like LBG, it was a big bank but not the biggest in the country—Deutsche Bank is Germanys colossus. Like Lloyds, it undertook a disastrous domestic transaction at the worst possible time, buying Dresdner Bank in the summer of 2008 just weeks before LBG gobbled up HBOS. And like the British bank, it quickly ended up tapping state coffers to survive.德国商业度过危机的初始轨迹很想另一家欧洲,英国的劳埃德斯集团。跟劳埃德斯一样,德国商业是本国的一家大型,但却不是最大的,德国最大的是德意志。德国商业同样经历了一次灾难性的国内收购。它在2008年夏天买下了德累斯顿,这是在劳埃德斯吞并苏格兰哈利法斯克几周之后。同样的,很快以向国库求救自保结束。The parallels between the two are less obvious now. LBGs shares have risen by 33% in the past three months, and by 133% in the past year. The banks share price hovers just below the price the British government paid to buy its 39% stake, which will soon be sold. Things look far less fizzy at Commerzbank. At the time of the rescue deal the banks boss, Martin Blessing, declared that state ownership should last a maximum of 36 months. More than four years on, its shares still lag the broader index of European banks; its price-to-book ratio is one of the lowest on the continent (see chart). Its 2012 net profit came in at a mere 6m euros(7.7m dollars).两者现在的处境有所不同。劳埃德斯的股价在过去的三个月中上涨了33%,在去年上涨了133%。该的股价稍稍低于英国政府购买其39%股份时的价格,英国政府很快就会将这笔股份卖掉。德国商业的处境则要惨得多。德国政府救助与其交易的时候,老板Martin Blessing说,国有权最多持续36个月。而现在,四年过去了,其股价仍旧低于欧洲的大盘指数。其市净率在欧洲处于最低水平。而在2012年的净利润也只有600万欧(770万美元)。Rumours that the German government might sell its 17% stake to a foreign bank were scotched this week. Newspapers speculate whether the bank might exit the DAX, the countrys benchmark stockmarket index, leaving Deutsche as the only member bank. Deutsche itself still labours to plump up its own thin capital cushion.本周,德国政府出售其控股的17%给一家外国的谣言四起。媒体纷纷推测德国商业会不会退出德国DAX指数,这样该指数就只剩德意志一家股了。德意志也忙着增加其缓冲资金。Commerzbank can point to several forces beyond its control. The euro-zone crisis weighs heavily. The restructuring of Greek government debt handed it a big loss. Historically low interest rates have depressed income. Competition from Germanys many small savings banks and co-operatives puts pressure on fees; online banks are adding to the pressure. A downturn in shipbuilding has hit Commerzbanks big portfolio of loans in that industry. The Basel 3 rules have prompted the bank to retain capital rather than dole it out to shareholders. (The bank estimates that its Tier-1 core capital ratio under Basel 3 is 8.4% after a May capital-raising.)德国商业能将原因归咎于几个它无法控制的因素。欧元区危机无疑是最大的因素。希腊政府债务重组给其造成了重大损失。史上最低的利率也减少了其收入。来自德国的许多小型储蓄的竞争也使其降低自身费用,网上也增加了其压力。造船业的衰退也使得其在造船业德组合贷款业务受到沉重打击。巴塞尔3资本规定使得德国商业只能保留资本,而不能发放给股东。(估计,在巴塞尔3规定下,其一级核心资本比率在五月融资之后达到8.4%)For one bank to have had so much bad luck prompts the question of just how much carelessness, not misfortune, is to blame. Like many European banks, both Commerzbank and Dresdner invested in subprime-mortgage-backed assets before the crisis. And like many of its continental peers, the bank was also a big international lender against chunky assets in areas like shipping, aviation and property. About a quarter of its 18.3 billion euros shipping portfolio is non-performing; it is expected to take a charge against lending in Detroit when it next reports results.对于一家来说,这么多倒霉事儿遇到一起,只能怪其太粗心,而不能说太不幸了。跟许多其他欧洲一样,德国商业和德累斯顿在危机之前都投资了次贷资产。这个也借贷给船舶业,航空业和房地产业。其在船舶业投资达183亿欧,其中有四分之一毫无收益,等下次报告出来该行有可能向底特律的借贷提起指控。Analysts want Commerzbank to keep shedding these “non-core” assets, which stood at 151 billion euros at the end of 2012. Some are easier to offload than others. Holdings of peripheral euro-zone government bonds can be gently unwound by letting them run off. But shipping and property loans are longer-term and less liquid, which is why they are now being treated more harshly under the Basel 3 rules. Commerzbank did this month at last manage to sell the British operations of EuroHypo, its commercial-property arm.分析员希望德国商业能放弃非核心资产,这些在2012年底占到1510亿欧。有些很容易脱手。所持欧元区其他国家政府的债券会轻微受损。但是船舶业和房地产业的贷款是长期的,流动性也差,这也是在巴塞尔3规则下更严厉的原因。德国商业这个月末最终准备卖掉欧洲抵押的英国公司,其商业地产分。As Commerzbank slims down these parts of its balance-sheet, a more Germanic lender is slowly emerging. The strategy is plausible. The combination with Dresdner gave Commerzbank an enviably big retail-branch network and customer base in Europes strongest economy. The Mittelstandsbank, the division lending to Germanys small and medium-sized, mostly family-owned businesses, is in decent health: 30% of Mittelstand companies are customers, and the pre-tax return on equity in this unit was 28.6% in 2012, against 3.1% for the group overall. As these firms go into global markets, where savings banks cannot follow, Commerzbank has a shot at boosting its business with them. Expansion in Poland looks sensible.随着德国商业将这些从资产负债表中除去,一个更德国的借贷者出现了。这个战略看起来是有效的。跟德累斯顿的合并会使得德国商业在欧洲最强经济体拥有一个令人羡慕的大型零售网络和顾客基础。中小企业掌管德国的中小企业贷款业务,这些中小企业中很多都是家族企业,2012年,这一业务的税前回报为28.6%,整体业务只有3.1%的回报。随着这些企业的国际化,储蓄就无能为力了。德国商业有意拓展跟他们的业务。在波兰的扩张看起来很有用。Yet the bank is still some way from turning this vision into reality. A banking consultant quips that the maths of the Dresdner deal amount to “one plus one equals one”. And a domestic focus has its downsides. Fierce local competition from the savings banks and co-operatives will not go away. Nor will the drag from the euro zones economic prospects: interest rates will remain low as long as inflation stays subdued.然而,德国商业还是应该回到现实。一个业顾问指出,这次的德累斯顿交易是一次亏本买卖。国内的重点业务呈下降趋势。来自储蓄的激烈的本地竞争不会停止。欧元区的经济预期是只要通货膨胀得到抑制,利率将会持续走低。这也会拖累复兴。So Mr Blessing and his team have little choice but to concentrate on the nuts and bolts. That includes making more cuts in branches and staff (branches have aly fallen from about 1,500 to 1,200), controlling their tempo so that the bank can reap savings without battering its franchise. One part of this is greater flexibility in the offerings at each branch. Not every location needs an expert in everything; more advice can be given online or over the phone. Another is growth in its online division, comdirect. Commerzbank has the scale to build a sophisticated offering; savings banks and co-operatives may not.因此,Blessing先生跟他的团队没有多大选择,只能是集中精力做好细节工作。包括减少分机构,裁员(分机构已经从1500个减少到1200个了),控制好节奏,只有这样才能从存款中获利,并且不影响其经营。这在各分有很大的灵活性。不是每个地方都需要专家,可以通过电话或者网络提供建议。还有一个是网上分的增加。德国商业能提供各种复杂的务,但是储蓄则不能。Such strengths should eventually return Commerzbank to fitness. But the miserable share price suggests that investors expect a period of plodding before it is back to running at full tilt.这些措施应该最终能使得德国商业回到正轨。但是其可怜的股价意味着投资者期望其走出困境之前有一段时间的辛勤工作。 /201308/250788银湖街道中医医院妇科专家大夫富阳做无痛人流医院哪家好

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