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崇州市处女膜修复手术哪家医院最好的蒲江县妇幼保健院专家预约This week some British charities have an unexpected reason to smile. On Wednesday, European and American regulators imposed fines of .3bn on six large banks for rigging foreign exchange markets. In the past, the British government has directed some of the money raised from so-called “misdemeanour fines” to worthy causes such as a physical rehabilitation programme for soldiers; it will probably do the same this time. As George Osborne, the UK chancellor, put it: “We’re using the money raised from fines on those who demonstrated the very worst of values in our society to support those who demonstrate the very best.”一些英国慈善机构有了一个惊喜的理由。上周三,欧洲和美国监管当局以操纵外汇市场为由,向6家大开出43亿美元的罚单。在过去,英国政府曾把这类来自所谓“不端行为罚款”的收入部分投入到高尚的事业中,比如士兵身体康复计划。这次英国政府很可能也将这么做。正如英国财相乔治#8226;奥斯本(George Osborne)所说:“我们把对于那些在我们的社会里展示出最糟糕价值观的人的罚款所得,用来资助那些展示出最美好价值观的人。”Yet this type of initiative is the exception, not the rule. The fines now being imposed by western regulators are dramatically higher than anything seen before, but much of the money is not being used in a transparent way. That flies in the face of politicians’ demands for finance to become more open. It also risks undermining the search for a sense of justice – and closure.不过,这种做法属于例外,而不是通行规则。西方监管机构如今开出的罚款金额比以往高很多,但部分罚款的使用并不透明。这与政治家们关于提高财政透明度的要求背道而驰,也可能破坏社会对正义感——以及有始有终的感觉——的追求。“It’s very hard to see what is really going on,” observes Roger McCormick, a London-based economist who has been tracking the recent bank penalties. Charles Calomiris, a finance professor at Columbia Business School agrees: “The situation is strange – its incredibly hard to get much data at all.”“很难看清罚款到底怎么使用的,”伦敦的经济学家罗杰#8226;麦考密克(Roger McCormick)说。他一直在关注近来受处罚的事情。哥伦比亚商学院(Columbia Business School)的金融学教授查尔斯#8226;卡洛米里什(Charles Calomiris)表示认同:“眼下的情形很奇怪——想要获得数据真是太难了。”What public numbers do exist are thought-provoking. According to Professor McCormick’s research, between 2009 and 2013 the 12 global banks paid out #163;105.4bn worth of fines to European and US regulators, for crimes ranging from the mis-selling of mortgages to rigging the Libor index of interbank lending rates. They also made #163;61.23bn provisions for future fines.能找到的公开数字发人深思。麦考密克教授的研究显示,2009年至2013年,12家全球性共向欧美监管机构缴纳了1054亿英镑的罚款,因为它们犯下了从不当销售抵押贷款到操纵伦敦间同业拆借利率(Libor)等各种罪名。它们还为未来罚款做了612.3亿英镑的拨备。Data from the Financial Conduct Authority, the British regulator, suggests that it has collected about #163;2.5bn since 2012, including this week’s fines. Traditionally, regulators used to keep the money they collected in penalties. But since 2012, the FCA has handed this money to the Treasury (after deducting #163;40m of annual staff costs) and Mr Osborne has said that he will hand over about #163;300m of this to charity.英国金融市场行为监管局(FCA)的数据表明,包括上周的罚款,自2012年以来其收到了约25亿英镑的罚款。传统上,监管机构通常会保留它们所收的罚款。但自2012年以来,FCA已把这笔收入上缴至英国财政部(事先已扣除了每年4000万英镑的人员费用),奥斯本表示,他将把其中约3亿英镑资金投入到慈善事业中。What will happen to the rest is unclear; it is currently placed in a general government pot. But the situation in the US is lamentably more opaque, since fines are being imposed by numerous different entities.但其余罚款如何处置,目前不得而知;这笔钱存放在一个一般政府资金池中。但美国的情况更为不透明,因为罚单是由形形色色的机构开出的。The large federal agencies, such as the Office of the Comptroller of the Currency or the Commodity Futures Trading Commission (both of which fined the banks for forex abuses) hand money from penalties over to the Treasury. There it vanishes into a general budget pot. When state regulators and other bodies collect fines they tend to shower the money on plaintiffs, community groups and lawyers, as well as state attorneys-general, usually in private settlements that entail minimal public disclosure.大型联邦机构会把罚款上交美国财政部,比如美国货币监理署(OCC)和商品期货交易委员会(CFTC),这两家机构都曾以操纵外汇市场为由对开过罚单。于是罚款会进入一个一般预算资金池。当州监管当局和其他机构收到罚款时,它们往往把罚款用于原告、社区团体和律师,也会用于州总检察长——在公开披露程度极低的私下和解时通常如此。Take the .7bn “comprehensive settlement” that Bank of America unveiled in August with the Department of Justice, a collection of federal agencies and six state attorneys-general. When BofA announced this, it said it would pay out .95bn for “civil monetary penalties” and so-called “compensatory remediation payments”, but it did not reveal who would receive those sums.以美国(BoA)为例,该行8月公布,跟美国司法部(DoJ)、多家联邦机构和6位州总检察长达成了167亿美元的“全面和解”。在宣布这一消息时,美银表示将缴纳99.5亿美元“民事罚款”和所谓“赔偿补救款”,但没有透露罚款接受方是谁。And though local academics, such as Prof Calomiris, have been trying to research the issue, they have found it hard to get any information, since once the money flows into the budget of state officials the local attorneys-general have huge discretion about how they use these large windfalls. “It is a real subversion of the fiscal process,” Prof Calomiris observes.此外,尽管卡洛米里什教授等本国学者一直在研究此问题,但他们发现很难获取任何信息,因为罚款进入州官员的预算之后,州总检察长对这笔巨大的意外收入有着很大的自由处置权。“这实际上破坏了财政流程,”卡洛米里什教授表示。This opacity is undesirable. There is good reason to impose hefty fines on the banks, given the scale of the scandals of recent years; unless they are punished it will be hard for the public to ever feel that justice has been done. But at the very least, there needs to be more public debate about how this punishment pot will actually be used; after all, one lesson from the financial crisis is that opacity has a nasty habit of breeding abuse.这种不透明状况非常不可取。鉴于近些年来的丑闻范围波及之广,监管当局有充足的理由对处以高额罚款;若不处罚这些,将很难让公众产生正义得到伸张的感觉。但最起码,需要对罚款资金池的未来用途进行更公开的讨论;毕竟,金融危机的教训之一,就是不透明很可能滋生不端行为。Or to put it another way, the British government deserves one cheer for trying to find a way of using the misdemeanour fines for greater public good; indeed, it is a move that politicians in America should consider copying.换个角度来说,英国政府设法将不端行为罚款用于增进公共利益,是值得称赞之举;事实上,美国的政治家们应当考虑效仿这一做法。The UK Treasury would deserve a second cheer if it published audited accounts of how this money is used (a move it is now considering). But what is really needed is a public database of what is happening in the whole of Europe – and, above all, in the US.如果英国财政部能够公布关于罚款使用情况的审计账目(其正在考虑这一举措),将是另一值得称赞之举。但是,当前真正需要做的是针对整个欧洲——更重要的还有美国——的罚款使用情况,建立一个公共数据库。Particularly since that eye-popping #163;167bn tally is unlikely to be the final hit.何况目前已高得令人瞠目的1670亿英镑罚款不太可能是最终的罚款总额。 /201411/343560四川省第六人民医院打胎流产好吗 HONG KONG — Six bottles of 1990 Romanée-Conti Burgundy sold to an Asian buyer at a Christie’s auction in Hong Kong last month for 980,000 Hong Kong dollars (6,345). A case of wine from the Cros Parantoux vineyard in Burgundy, France, fetched ,333 in a sale held by the American auction house Acker Merrall amp; Condit at a restaurant overlooking Hong Kong’s harbor.香港——六瓶1990年的勃艮第罗曼尼-康帝(Romanée-Conti)上个月在佳士得拍卖,最终以98万港币(约合78万人民币)的价格卖给亚洲买主。而在一座俯瞰香港维多利亚港的餐厅里,美国拍卖公司Acker Merrall amp; Condit以8万2333美元的价格拍出了一箱由勃艮第巴郎图(Cros Parantoux)葡萄酒庄园出品的葡萄酒。Fine wine comes at a price in Asia, but there are plenty of buyers. Asian consumers have become a major factor in the global wine market, with China overtaking France and Italy last year as the biggest consumer of red wine. Now, customers in the region are getting more sophisticated, educated and diverse in their wine choices.精品葡萄酒在亚洲市场中的价格居高,但还是有大量的买家。随着中国在去年取代法国和意大利成为红酒的最大购买者,亚洲买家如今在全球的葡萄酒市场中有着重要的影响力。现在,亚洲地区的客户在葡萄酒的挑选上也变得越来越成熟、有鉴别力和多样化。“There are a lot more wine lovers in Asia, and they are enjoying a lot more wines,” Simon Tam, head of wine at Christie’s China, said about the auction house’s recent sale. “The market is maturing very, very rapidly.”“亚洲葡萄酒爱好者越来越多,他们也在享用越来越多的的葡萄酒,”佳士得中国区名酒部主管谭业明(Simon Tam)在谈及拍卖行近期的销售时说。“这个市场正在极其迅速地成熟起来。”Asians have traditionally been drinkers of whiskey, brandy and local spirits like baijiu, a liquor distilled from grain, rather than wine. But rising wealth, a penchant for giving gifts and a constant search for new types of investment have turned affluent Asians into avid buyers of top wines and other luxury items in recent years.亚洲人历来有喝威士忌、白兰地和用粮食蒸馏的白酒之类的本土酒的传统,但并不喝葡萄酒。随着财富的日益增长,以及馈送礼品和寻找新型投资的喜好,亚洲富豪们近些年开始热衷于购买顶级葡萄酒和其他种类的奢侈物品。Hong Kong, which was barely featured on the international wine scene a decade ago, has become a major hub for wine trading since taxes on wine were abolished here in 2008. Dozens of merchants have opened operations, including famous players like the British company Berry Brothers amp; Rudd, which traces its roots to 1698, and niche establishments like La Cabane, which sells natural wines from small vineyards in France.香港在十年前的国际葡萄酒领域中还鲜少被提及,而自2008年葡萄酒税被废除后,香港成为了葡萄酒交易的重要枢纽。很多商家在此地开启了业务,其中包括声名在外的英国酒商贝瑞兄弟与鲁德(Berry Brothers amp; Rudd),它的历史可以追溯到1698年,以及致力于专业领域、专门销售由法国小型葡萄酒庄园生产的天然葡萄酒的公司La Cabane。Even in Singapore, where taxes add considerably to the price of a bottle of wine, CWT, a logistics company, is spending 200 million Singapore dollars (8 million) on a high-end wine storage facility that will be able to store 10 million bottles in air-conditioned and humidity- and light-controlled conditions.新加坡的葡萄酒价格中税收占相当大的比重,但即使这样,新加坡物流公司CWT还是在花费两亿新币(约合10亿元人民币)建造一个高端葡萄酒的储藏设施,建成后将可以在温湿度和光照可控的条件下,储存1000万瓶葡萄酒。“For Asian buyers, it’s a lot about prestige — about enjoying wines as a luxury,” said Robert Sleigh, head of the wine department at Sotheby’s in Asia. “They are prepared to pay substantial premiums for wines that come directly from the vineyard and they put a lot of importance on the cosmetic appearance of the bottle.”“对于亚洲买家来说,这更多关乎地位——把葡萄酒当作一种奢侈品来享用,”苏富比亚洲区葡萄酒部主管楼伯礼(Robert Sleigh)说。“他们愿意出可观的高价购买这些直接从葡萄庄园来的酒,并且非常看重酒瓶的外观。”Slowing momentum in some Asian economies and Beijing’s determination to rein in flashy spending by state officials have helped to inject some sobriety into the market. Average lot prices at Christie’s wine sales in Hong Kong are 30,000 to 60,000 Hong Kong dollars (roughly ,860 to ,730), down from about 150,000 to 200,000 dollars in 2010, Mr. Tam said. The average price of bottles sold by Acker Merrall fell by about half from 2011 to 2013.亚洲一些国家经济增长势头日趋缓慢,加上北京下决心遏制政府官员奢侈消费的举措,使得亚洲的葡萄酒市场冷静了一些。佳士得售出的葡萄酒平均价格为每瓶3万到6万港币,与2010年的15万至20万港币相比,有了大幅的下降,谭业明说。同时,Acker Merrall所售葡萄酒的平均价格在2011至2013年间下降了大约一半。In the early years of the boom, buyers, still unsure of themselves, focused on just a few dozen notable names. French Bordeaux wines were a particular favorite and dominated sales.在葡萄酒兴起的早些年间,买家对自己的鉴赏力还不是很确定,所以只专注于几个有名气的品牌。法国波尔多葡萄酒在当中倍受青睐,一度主宰销售市场。Now buyers have sp their wings and are purchasing more types of wines, and from more places, than they did a few years ago. This trend echoes what is happening in other categories of luxury spending, like handbags or clothing, where an initial allegiance to big-name, highly recognizable brands has begun to fade as shoppers have become more confident and individualistic.相比几年以前,如今的买家已经将触角伸到更多种类、不同产地的葡萄酒当中。这一趋势也反映了其他种类奢侈品消费的现状,比如包和衣,最初中意于高识别度大牌的消费者开始变得更加自信并寻求个人风格。“We have a customer who used to buy a bottle of Bordeaux with us every week,” said Vincent Feron, a sommelier who works at Winebeast, a small store that opened in the bustling Hong Kong neighborhood of Wan Chai last year and sells mostly French and Spanish wines.“曾经有位顾客每周都会从我们这里购买一瓶波尔多葡萄酒,”在Winebeast工作的侍酒师文森特·菲隆(Vincent Feron)说。Winechest是一家小型葡萄酒商店,于去年在香港湾仔地区开张,主要销售法国和西班牙葡萄酒。“Now, he has started to explore other wines, and really likes Languedoc,” Mr. Feron said, referring to an area in southern France. “People like to be educated. As soon as they get to trust you, they are prepared to take your advice.”“现在,他开始尝试其他葡萄酒,而且特别喜欢朗格多克,”菲隆说,他提到的朗格多克地处法国南部。“人们喜欢知道更多。一旦他们开始信任你,他们也开始采纳你的建议。”Retailers and top restaurants have reacted to Asian consumers’ rapidly evolving appetites by beefing up their wine selections and making sure they have staff members who are well trained in wine selection.零售商和高档餐厅都在加强葡萄酒的种类,并且确保他们的员工熟知各类葡萄酒,以期应对亚洲客人日新月异的口味变化。The four elegant restaurants in the InterContinental hotel on the Hong Kong waterfront, for example, employ two sommeliers each. Among them, they stock 1,700 labels, costing at least a bottle and as much as several thousand ed States dollars at the top end, said Christoph Travniczek, a senior manager for food and beverage at the hotel. Guests do still occasionally splash out on wines that cost thousands of ed States dollars a bottle. But they “are no longer simply buying whatever is most expensive on the wine list,” Mr. Travniczek said. “They buy what they like, and they listen to the recommendations of the sommeliers.”举例来说,坐落在海边的香港洲际酒店(InterContinental hotel)中有四家环境优雅的餐厅,各自都聘请了两位侍酒师。酒店餐饮部的高级经理克里斯托夫·特拉夫尼切克(Christoph Travniczek)说,他们存有1700种酒,每瓶至少价值75美元,而最贵的可以达到几千美元。客人还是会偶尔在一瓶酒上大肆挥霍几千美元。但他们“不再简单地只买酒单上最贵的,”特拉夫尼切克说。“他们买他们喜欢的,同时也听取侍酒师的建议。”China, with nearly 1.4 billion inhabitants, continues to drive global consumption, especially of red wines, which are far more popular in the country than whites. Nearly 1.9 billion bottles of red were consumed in China last year, according to a study commissioned by the organizers of the Vinexpo wine and spirits industry exhibition, which takes place in Hong Kong next month. That is more than twice the amount in 2008. China is also one of the world’s biggest producers of wine, though the quality is for the most part still low.中国拥有将近14亿居民,持续推动着全球的消费,尤其是红酒销售,因为红酒在中国比白葡萄酒要受欢迎的多。中国在去年购买的红酒总量将近190万瓶,这一数字由Vinexpo葡萄酒及烈酒商贸展的组织者委派进行的一项调查得出,该展将于下月在香港举行。这个数字相比2008年翻了一倍多。中国同时也是世界上最大的葡萄酒生产国,但大多数出品的质量仍然很低。Wine fans in Hong Kong, mainland China and elsewhere in Asia are also increasingly prepared to invest considerable time and effort in soaking up not just the beverage itself, but also the information that goes into drinking and purchasing decisions.香港、中国内地以及亚洲其他地区的葡萄酒爱好者还准备投入相当多的时间和努力,不仅享用饮品本身,还要获取品尝及购买决定所需的信息。Calvin Tan caught the wine bug two years ago and has since taken two wine courses, including one at a French wine academy, L’Eacute;cole du Vin de France, which opened an office in Hong Kong in 2011.卡尔文·陈(Calvin Tan)在两年前开始着迷于葡萄酒,之后进修了两门葡萄酒方面的课程,其中一门在法国品酒学院(L’Eacute;cole du Vin de France)进行,该学院于2011年在香港设立了一个办公室。“I needed a hobby, and I love drinking and eating good food, so this was perfect,” he said.“我需要一个爱好,而我又喜欢品酒和美食,所以这是完美的,”他说。Mr. Tan, who works for an American bank in Hong Kong, is not in the market for top wines of the kind sold by Sotheby’s and Christie’s. The most expensive wine he ever had was an Italian red that cost about 800 Hong Kong dollars. But his eagerness to learn and branch out — his favorites now are Riojas and New Zealand pinot noirs — exemplifies the shift that is happening among Asian wine lovers.陈先生在香港工作,供职于一家美国,他并不是苏富比和佳士得所卖的顶级葡萄酒市场中的客户。他拥有过最昂贵的葡萄酒仅仅是价值800港币的一瓶意大利红酒。但他想要学习和拓展的热情——他现在最喜欢的是里奥哈(Riojas)和新西兰黑松果葡萄酒——展现了亚洲葡萄酒爱好者的转变。“In the beginning, many of those who signed up for our activities knew very little about wine,” said Marjolaine Roblette-Geres, L’Eacute;cole du Vin’s representative in Hong Kong. “Now, many aly know quite a lot, and they want to broaden their knowledge,” she said, adding that the school was considering offering classes in Beijing and Guangzhou, in neighboring mainland China.“最初,那些报名参加我们活动的人对于葡萄酒知道的非常少,”法国品酒学院的香港代表说。“现在,很多人已经知道相当多了,并且还想要拓宽这方面的专业知识,”她说,此外她还提到学校正筹划在内地的北京和广州开设课程。All this gives wine experts the confidence that Asian buyers will continue to spend big on wines, despite the fading growth momentum in many of the region’s economies. “We still dream of the highs of 2010 and 2011,” said John Kapon, the chief executive of Acker Merrall. “But 2014 got off to a good start, and greater China remains the No. 1 driver of the global market.”上述的情况给了葡萄酒专家们信心,即使很多地区的经济增长势头正在减缓,亚洲的购买者也会持续在葡萄酒上花大价钱。“我们还在梦想达到2010年和2011年那样的高点,”Acker Merrall的总裁约翰·卡邦(John Kapon)说。“但2014年已经有了个好的开始,大中华地区在国际市场中依然是头号驱动力。” /201410/332595成都医学院第二附属医院男科专家

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