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BIRMINGHAM, Mich.自存倉, Aug. 12, 2013 /PRNewswire/ -- Bloomfield Capital, a specialty real estate finance firm, has announced the closing of a $1.4 million senior bridge loan to purchase and renovate a mixed-use office and retail building in Oakland County, MI.Bloomfield's loan proceeds allowed the sponsor to quickly purchase a historic multi-tenant building. The sponsor will renovate the existing second floor offices and restructure and extend leases for 1(st) floor retail tenants."The demand for solid mixed-use assets in vibrant urban areas continues to increase," stated Jason Jarjosa, a principal at Bloomfield Capital. "There are few direct lenders that can quickly react to acquisitions where the asset is in transition. Our team was able close this transaction in two weeks."Headquartered in Birmingham, Mich., Bloomfield Capital is a direct real estate lender and equity investor 迷你倉新蒲崗eeting the demands of specialized, time-sensitive transactions. The firm focuses on small to medium-balance debt opportunities ($1 million to $15 million) and select joint-venture equity participations with owners, operators and developers throughout the nation. Bloomfield Capital offers particular expertise in unconventional financings where industry acumen, local knowledge and attention to special circumstances will result in a substantial financial advantage to the sponsor. As a direct investor and lender, Bloomfield is able to create flexible, custom-tailored solutions for each unique situation. With offices in the Detroit and Chicago markets, Bloomfield Capital can be found on the Web at .bloomfieldcapital.com.For more information, please contact Jason Jarjosa at (248) 745-1700, or via email at jjarjosa@bloomfieldcapital.com.Bloomfield CapitalWeb site: .bloomfieldcapital.com/迷你倉出租

Source: Athens Banner-Herald, Ga.mini storageAug. 12--Global disease patterns are changing as the world heats up, and scientists need to build models that can predict future shifts, according to a University of Georgia ecologist and other scientists."It's not enough just to say things are changing. You want to be able to predict when and where, so you can manage (new disease problems),"said Sonia Altizer, a professor in UGA's Odum School of Ecology.Altizer was lead author calling for the new modeling research published in the journal Science, co-written with Richard Ostfeld of the Cary Institute of Ecosystem Studies, Susan Kutz of the University of Calgary and the Canadian Cooperative Wildlife Health Centre, Pieter Johnson of the University of Colorado and Drew Harvell of Cornell University.Longer breeding seasons for mosquitoes, for example, could mean greater transmission rates for the many diseases such as malaria, West Nile virus, dengue fever and various kinds of encephalitis.Changes in disease patterns could have important consequences not only for human health, but for agriculture, wild animals and plants, she said.Scientists for years have predicted shifts in disease patterns, and in fact already are seeing changes in some diseases of agriculture and wildlife, Altizer said.With milder temperatures, black-legged ticks that attach to white-footed mice are able to transmit Lyme disease for a longer period; in the Caribbean and other parts of the world, scientists see corals dying with temperature increases, with consequences that also affect other plants and animals that live in coral reef communities.And in the arctic, the fastest-warming region, a lungworm has become a serious problem for big muskoxen, according to the scientists.A disease or parasite may not directly affect humans, but can have big indirect effects, the scientists point out in the journal article.Diseased coral reefs can lead to a depressed tourist economy in places where tourism is a mself storagein source of income, and a high death rate for muskoxen could have dire consequences for the way of life of people who depend on them for meat, Alitzer said.A beginning point for building models should be experiments that show how different pathogens and hosts react to variations in temperature, Altizer said in a recent interview.But predicting changes in disease cycles or distribution areas will be a lot more complex than just plotting temperatures, said Altizer, who's been studying the interactions between climate, Monarch butterflies and a parasite that infects Monarch guts.Changes in rainfall patterns, such as more frequent droughts or more frequent rainy periods, come into play, for example. And as spring arrives earlier, the synchronous relationships between plants and insects can be disrupted.While climate change may boost some diseases, it could suppress other pathogens that don't thrive in warmer temperatures."Scientists still know relatively little about ... pathogen responses to climate change," the authors wrote in the article.But hard as building a model for predicting changes in disease patterns may be, it's important to get started now, especially for public health in less-wealthy countries, Altizer said."Here in the United States, we have a better public health infrastructure in place," she said.And responding to new disease challenges will cost money that relatively rich countries can better afford.But that doesn't mean the U.S. is immune."Things can break down in unexpected ways," she said.A better understanding of how warming will interact with diseases will help health officials fight the new threats, the scientists say in concluding their Science article.--Follow education reporter Lee Shearer at .facebook.com/LeeShearerABH or https://twitter.com/LeeShearer.Copyright: ___ (c)2013 Athens Banner-Herald (Athens, Ga.) Visit the Athens Banner-Herald (Athens, Ga.) at .onlineathens.com Distributed by MCT Information Services迷你倉

Source: Milwaukee Journal SentinelAug.自存倉 13--Beth Akerlund is passionate about attracting more women to technology fields.Unfortunately, she said, Milwaukee lacks a strong support system for women who want to pursue technology careers.So Akerlund, a product owner at Centare, a Brookfield software developer, and two colleagues, Kirsten Corbell and Cynthia Thomas of Translator, a Milwaukee experience design firm, formed a Milwaukee chapter of Girls in Tech, a global organization focused on the empowerment of women in technology careers.GiT-MKE, as it's known, launched June 6 and already has 115 members. The group is geared toward women in southeastern Wisconsin and will focus on networking and career development, youth outreach, mentoring and education.Akerlund says the group will embrace the entire technology sector, which includes professions in product design, computer science, information technology and engineering."What's so great about the organization is that you can be a member and have worked in technology for 15 years, or you can just be in college thinking about pursuing a computer science degree," Akerlund said.Girls in Tech, based in Denver, got its start in 2007 and today has some 30 chapters and 10,000 women and supporters worldwide. Each local chapter caters to its market based on what the group feels is necessary for the community, said Girls in Tech President Kate Brodock.GiT-MKE held its first breakfast event July 31 in Bay View and Brookfield for members to gather and network. Akerlund led the Brookfield meeting while Thomas and Corbell led the Bay View meeting."I was delighted to find an exciting array of smart, savvy women, all of whom are anxious to involve more women in the technology field," said Ann Niche, associate director of mission advancement at Wisconsin Lutheran High School. Niche attended the Brookfield breakfast.Amanda Conway, a Marquette student and business analyst intern with Robert W. Baird & Co., was looking for a community of women involved in technology because she is new to the field. Conway attended the Bay View breakfast and has been surrounded by technology her entire life. She wants to work in information technology after she graduates."I hope I can learn how to juggle the responsibilities of being in the technology field full-time with everything else I'd like to be involved with after graduation," Conway said.According to the Bureau of Labor Statistics, Akerlund said, even though women held 57% of professional occupations in the U.S. in 2012, they held only 26% of tech jobs and 20% of software development jobs. In addition, only 10% of women are executives at tech start-ups.Madison's Daily Page reported that only 11% of the University of Wisconsin-Madison's 2012 computer science graduates were women.Amber Dierking, a product owner and business analyst for PowerSports Network in Sussex, believes jobs in the technology industry can be appealing to women because they tap into one's interpersonal, creative and organizational skills, as well as offer flexibility and a stable income."Since I have two young daughters, I was excited to hear how children, both boys and girls, are getting exposure to technology opportunities...," said Dierking, who attended the Brookfieldbreakfast.Betsy Rowbottom, founder of a local tech start-up, The Good Jobs, wishes an organization like GiT-MKE had been around two years ago, when she was developing her business."I believe this new movement is important and timely," she said.Beth Akerlund is passionate about attracting more women t迷你倉新蒲崗 technology fields.Unfortunately, she said, Milwaukee lacks a strong support system for women who want to pursue technology careers.So Akerlund, a product owner at Centare, a Brookfield software developer, and two colleagues, Kirsten Corbell and Cynthia Thomas of Translator, a Milwaukee experience design firm, formed a Milwaukee chapter of Girls in Tech, a global organization focused on the empowerment of women in technology careers.GiT-MKE, as it's known, launched June 6 and already has 115 members. The group is geared toward women in southeastern Wisconsin and will focus on networking and career development, youth outreach, mentoring and education.Akerlund says the group will embrace the entire technology sector, which includes professions in product design, computer science, information technology and engineering."What's so great about the organization is that you can be a member and have worked in technology for 15 years, or you can just be in college thinking about pursuing a computer science degree," Akerlund said.Girls in Tech, based in Denver, got its start in 2007 and today has some 30 chapters and 10,000 women and supporters worldwide. Each local chapter caters to its market based on what the group feels is necessary for the community, said Girls in Tech President Kate Brodock.GiT-MKE held its first breakfast event July 31 in Bay View and Brookfield for members to gather and network. Akerlund led the Brookfield meeting while Thomas and Corbell led the Bay View meeting."I was delighted to find an exciting array of smart, savvy women, all of whom are anxious to involve more women in the technology field," said Ann Niche, associate director of mission advancement at Wisconsin Lutheran High School. Niche attended the Brookfield breakfast.Amanda Conway, a Marquette student and business analyst intern with Robert W. Baird & Co., was looking for a community of women involved in technology because she is new to the field. Conway attended the Bay View breakfast and has been surrounded by technology her entire life. She wants to work in information technology after she graduates."I hope I can learn how to juggle the responsibilities of being in the technology field full-time with everything else I'd like to be involved with after graduation," Conway said.According to the Bureau of Labor Statistics, Akerlund said, even though women held 57% of professional occupations in the U.S. in 2012, they held only 26% of tech jobs and 20% of software development jobs. In addition, only 10% of women are executives at tech start-ups.Madison's Daily Page reported that only 11% of the University of Wisconsin-Madison's 2012 computer science graduates were women.Amber Dierking, a product owner and business analyst for PowerSports Network in Sussex, believes jobs in the technology industry can be appealing to women because they tap into one's interpersonal, creative and organizational skills, as well as offer flexibility and a stable income."Since I have two young daughters, I was excited to hear how children, both boys and girls, are getting exposure to technology opportunities...," said Dierking, who attended the Brookfieldbreakfast.Betsy Rowbottom, founder of a local tech start-up, The Good Jobs, wishes an organization like GiT-MKE had been around two years ago, when she was developing her business."I believe this new movement is important and timely," she said.Copyright: ___ (c)2013 the Milwaukee Journal Sentinel Visit the Milwaukee Journal Sentinel at .jsonline.com Distributed by MCT Information Services迷你倉出租

Source: Tampa Tribune, Fla.自存倉Aug. 12--Like a restaurant waiter lifting the lid from an expensive entree, the creators of the Epicurean boutique hotel on Monday night revealed the culinary side of the food-themed resort now under construction on South Howard Avenue.Executives from Bern's Steak House and Mainsail Lodging & Development broke ground on the hotel in October. After the Epicurean's completion in mid-December, it will join Marriott's Autograph Collection of luxury hotels.Details about the 137-room hotel have been closely guarded among Bern's, Mainsail and Marriott insiders, with rare tours scheduled for investors and media. The information was part of a highly managed reveal Monday of the hotel's website (epicureanhotel.com), Twitter names (@EpicureanHotel, @elevagetampa and @edgetampa) and Facebook pages.In an exclusive interview with The Tampa Tribune last week, Bern's owner David Laxer, Epicurean general manager Tom Haines, executive chef Chad Johnson and spirits director Dean Hurst revealed the hotel's elaborate culinary plans."The idea is to take well-done food and make it approachable," Laxer said.The hotel's signature restaurant on the first floor will be named Elevage, a term that relates to the stages of handcrafted wine production. Johnson, who will oversee the hotel's food operations as well those at his current restaurant up the street, SideBern's, plans to offer "old-school, classic dishes" with a modern twist in the 87-seat space."We're taking some of these dishes that have fallen out of favor or lost their cache and making them sexy again," Johnson said.Elevage will be the first Bern's restaurant to offer breakfast and lunch as well as dinner.Johnson's breakfast menu, which still is in development, will offer such dishes as soft-scrambled duck eggs with duck confit, mushrooms and puff pastry, and lobster and bacon hash made with Yukon gold potatoes, cr鋗e fraiche and a fried egg. Breakfast entrees will average about $10.Lunch entrees, which will average from $10 to $15, will be equally decadent, with foie gras bratwurst and a sandwich called "Duck, Duck, Goose" -- a ground- duck burger stuffed with foie gras and goose confit and smothered in black currant ketchup.Dinner entrees, which will average about $25, will follow Johnson's trademark use of game meat, including rabbit and dumplings with porcini mushrooms and sage. He also will incorporate fresh herbs and vegetables from a vertical growing wall being installed at the hotel by farmer Dave Smiles of Uriah's Urban Farms."The food is 'nostalgia-meets-nouveau,'" Johnson said. "I'm really excited about breakfast."In most hotels, the restaurant is designed as an afterthought, Johnson said. "This is a restaurant that just happens to have a world-class hotel attached to it," he said.Guests entering Elevage will pass through a hallway of wine, a nod to 迷你倉新蒲崗ern's world-renown private collection. Those wines also will be for sale in the Bern's Fine Wine & Spirits shop, which will move to the hotel from its current location attached to SideBern's.And although there will be a bar inside Elevage, the showpiece for beer, wine and spirits fans will be the 80-seat Edge Social Drinkery located on the hotel's rooftop.In addition to offering small savory plates and cheese boards, the open-air Edge bar is expected to become a place for Elevage customers to go for an after-dinner drink as well as a night-spot for locals."There are no rules," Hurst said. "Everything goes. It will be constantly changing. On the rooftop, you never know what you'll walk into."The hotel plans to offer an as yet undisclosed signature cocktail, but Hurst did say he would be making such ingredients as barrel-aged simple syrups. The beverage program also will extend to guests' rooms, where a minibar will be stocked along with snacks created by Johnson's staff. Guests will be able to download a smart-phone app to order room service or takeout food directly from the Elevage kitchen."This will not be your usual minibar," Haines said. "This will not be dumbed-down."In the north end of the building, Bern's pastry chef Kim Yelvington will operate the French-style patisserie Chocolate Pi, which was the name of her South Tampa bakery before she joined Bern's.Mirroring Johnson's plan to tweak classic comfort food, Yelvington's bakery will play with childhood desserts in addition to serving afternoon tea, handmade sodas and an extended line of house-made chocolates and macarons.Adjacent to Chocolate Pi will be Evangeline, a full-service spa that will use food ingredients such as chocolate facials in several of its treatments. The name comes from a character in a poem by Henry Wadsworth Longfellow. A bust of the character can be seen in the atrium of Bern's Steak House as well as in its logo.An extensive number of seminars and tastings already are being scheduled for the hotel's 1,000-square-foot, 32-seat Epicurean Theater, Haines said. The goal is to create a program that will entice guests staying at the Epicurean as well as lure local customers. The theater is expected to be incorporated into Bern's annual Winefest event in the spring.The Elevage kitchen also will cater functions for the hotel's 1,800-square-foot Gran Cru Ballroom. Again, Johnson said he plans a menu that will elevate banquet dining, with all food made the day of the event, not prepped and frozen weeks in advance."We're going to cook and season the food properly, the way it should be done," he said. "This will be modern food, not your standard banquet salmon."jhouck@tampatrib.com(813) 259-7324Copyright: ___ (c)2013 the Tampa Tribune (Tampa, Fla.) Visit the Tampa Tribune (Tampa, Fla.) at .tampatrib.com Distributed by MCT Information Services迷你倉出租

【本報北京訊】近日，文件倉快錢公司對外宣佈成功通過國際PCI-DSS標準認證2013年度審核。PCI-DSS又稱“支付卡行業數據信息安全標準”，由VISA、美國運通公司、萬事達國際組織等5家國際信用卡組織聯合推出，旨在通過嚴格控制數據存儲保障支付卡用戶在線交易的數據安全，最大程度降低支付卡風險，是目前全球最嚴格的針對持卡人數據保護的認證標準。快錢自2009年首度獲得PCI-DSS安全認證後，一直致力于以這項高級別的安全標準，確保交易的安全可靠。此次快錢再度通過PCI-DSS的年度審核，充分說明快錢為持卡人提供的安全環境受到了國際金融業界的持續認可。易觀國際金融及支付行業研究總監存倉萌表示：“中國已有越來越多的第三方支付企業完成了PCI-DSS數據安全標準的合規認證。快錢連續5年順利通過PCI-DSS認證，說明快錢系統安全性建設處於業內領先水平，有利於為商戶提供完善、規範安全的交易保障，實現安全便捷的信用卡交易服務。”快錢負責人告訴記者，以大數據時代為背景迅猛發展的互聯網金融，對數據安全和系統穩定性的要求達到一個前所未有的高度，快錢將以資金安全、信息安全為服務的根本和基礎，通過PCI-DSS數據安全標準的合規認證來進行數據保護，確保持卡人的資金和信息安全。快錢今後還將繼續加強系統穩定性和安全性建設，為超兩百萬商業合作伙伴提供無憂的安全支付服務。（張肖）自存倉

記者程瑞華中國銀行業協會日前發佈的《2012年中國資產托管行業發展報告》(以下簡稱 《報告》)顯示，迷你倉沙田截至2012年末，國內18家托管銀行托管資產規模突破22萬億元，達到22.39萬億元，較上年增長58.25%，無論增量還是增幅，均創下近3年來新高。資產托管業務作為商業銀行的一項戰略性業務，具有不佔用經濟資本、收入穩定、低成本、資金沉澱穩定、業務協同效應顯著等優勢，使得資產托管業務成為銀行業戰略轉型必由之選。隨著中國金融市場的蓬勃發展，資產托管業務日漸興起，逐步進入普通大�的視野。從以前主要面向金融客戶、機構客戶群體擴大至包含機構和個人、金融企業和實業公司等對象的廣泛服務群體，資產托管業務已經成為一個創新力強、極為活躍的商業銀行中間業務，被越來越多的商業銀行所看重。特別是隨著資本監管趨嚴 和利率市場化的來臨，各家銀行無一例外都將資產托管業務視為戰略重點。《報告》稱，2012年，中國證券市場整體低位徘徊，但隨著資產托管多元化發展，尤其是銀行理財托管、信托財產保管、各類創新型托管業務迅速發展，托管資產規模總體持續增長。統計顯示，2012年內地托管資產規模占金融機構存款總量的比例穩步上升，季度存托比從2011年末的17.12%升至2012年末的23.75%，全年提升6.63個百分點，升勢十分明顯。截至2012年末，中國18家托管銀行托管資產規模達22.39萬億元，較上年增長58.25%，2013年二季度末，規模突破27.6萬億元，同比大增61.4%。招商銀行副行長、托管業務專業委員會主任唐志宏表示，資產托管業務已成為托管機構立足于市場價值創造和制度創新的獨立、專業性基礎業務，成為各家金融機構實現經營轉型的戰略重點。在托管市場，國有大行則占據了絕對統治地位。在各家銀行中，工行成為我國銀行托管業務的“老大”。截至去年，工行托管各類資產規模淨值近4萬億元，連續15年保持市場份額第一。該行目前托管產品涵蓋所有資產管理領域，在證券投資基金、企業年金基金和保險資產等主要托管領域擁有最大市場份額。此外，中行、農行、建行的托管資產規模均在2.9萬億迷你倉價錢以上。四大行的托管資產規模在18家托管銀行托管資產規模中占比達到58.25%。但從2009年開始，平安銀行、郵儲行、廣發銀行、北京銀行等多家銀行獲得托管人資格，市場競爭日趨激烈，托管市場正呈現分散化的趨勢。監管新政下各類資管業務的創新和發展，將進一步拓寬金融托管市場的發展空間，促使資產托管由資本市場直接相關的餘額類資產托管，逐漸向交易類托管、民事商事托管領域發展。業內人士認為，內地金融改革促使銀行積極拓展非息收入，資產托管將是新增長點之一。有專家表示，商業銀行托管資產規模快速增加的大背景是社會直接融資總量占比逐年提高，2008年僅為20%多，到2012年已經占據半壁江山。有業內人士預計，隨著社會總體融資結構的調整，托管規模肯定會持續增長，今年將還有20% 到30%的增長空間。從發展趨勢看，國內季度存托比呈現穩步上升勢頭，從2011年末的17.12%上升至2012年末的23.75%，全年提升6.63個百分點。國際上通用存托比反映托管市場的地位，目前發達國家的存托比通常大於100%，而中國目前只有23.75%，這也說明中國托管業仍有巨大成長空間。國際經驗表明，資產托管業務有著廣闊的增長空間，建立托管制度可以實現資 金投資決策、交易執行、資金清算、會計核算、風險監督等職能的相互獨立與隔離，防範資金運用過程中的管理風險和道德風險，從根本上提升投資機構的公信力和競爭力。在金融全球化的背景下，國外銀行利用其發達的業務經營網絡以及在資源、信息方面的優勢，能夠為國內外投資者的境內外投資提供各種托管服務，進而實現各個金融市場業務的有效整合，形成龐大的業務規模從而取得較高的托管收入。《報告》顯示，2012年所有中小銀行托管資產增速均超過行業平均增速。一些基數較低的中小銀行增速竟達3倍以上。有業內人士稱，未來趨勢肯定是金融脫媒日益深化，銀行的息差空間正隨著利率市場化改革的推進而逐步縮小，銀行與其抗拒、掙扎，不如主動融入其中，資產托管業務就是主動融入這一趨勢的重要抓手。可以預見，資產托管業務作為商業銀行一項戰略性業務，必將成為銀行業戰略轉型必由之選。迷你倉庫

8月2日，迷你倉出租新滬商民企合作促進中心、新滬商聯誼會、新滬商企業家俱樂部有限公司宣佈正式運行。該組合功能平台由新滬商集團陳曉、富大集團袁立、中邦集團衛平、中通集團孫貼成四位本土優秀企業家牽頭合作，基於共同的理念和願景，攜手站在了聚光燈下。這是一個既有民辦非企業組織、社團組織，又有實體企業的民企合作組合平台，吸引了符合上海產業導向、極具潛力的近200儲存倉企業加入成員單位，諸如缶廬山莊、中邦艾格美國際公寓、雲海度假村、雲都溫泉商務酒店、聞道園、上海婚慶中心等一批品牌項目加盟了“新滬商”大平台。黃浦拍賣行、新滬商EMBA學院（和華師大合作）、新滬商投資並購基金、萬隆合作、萬隆創業公社等項目也開始�動。上海銀行、招商銀行、工商銀行、交通銀行、光大銀行紛紛與“新滬商”簽訂了戰略合作協議，以求銀企共贏。迷你倉沙田

□本報記者 高改芳據好買基金統計，新蒲崗迷你倉2013年7月，45家信托公司共成立221只固定收益信托產品，納入統計的104只產品總規模為99.82億元，平均每只產品規模為0.96億元，成立總規模較6月減少65.44%，且同比大幅減少78.25%。其中，房地產平均募集金額環比下降五成。平均募集規模最大的是基礎建設信托，平均募集金額1.68億元，高出平均募集規模75%。據信托界人士介紹，基礎建設類信托產品大多數都是地方融資平台類項目。7月信政合作類信托經歷了一波突擊發行。而房企再融資的放開勢必對房地產信托造成衝擊。房地產信托降溫據好買基金統計，今年7月有80款房地產信托產品成立，占比36.20%；發行數量相比于6月85款房地產產品，減少了5.88%，平均募集規模從6月的2.81億元跌至1.34億元，但仍高出平均募集規模的39.6%。業內人士分析，這恐怕是房企再融資放開後對房地產信托的第一波衝擊。8月6日晚間，繼新湖中寶之後，停牌一個月之久的宋都股份發佈了非公開發行預案，擬募集15億元資金投向商品房，再度印證了此前關於房地產企業再融資開閘的傳言。截至目前，按照申萬行業分類，已經有16家房地產上市公司公佈了半年報，數據顯示，上述房企今年上半年共計實現淨利潤82.18億元，同比增長了37%。中原地產研究部總監張大偉認為，房地產再融資事實上已經逐漸放開。自2010年以來，房地產企業上市、再融資和重大資產重組等事項已連續三年受阻。雖然證監會聲稱目前房企融資仍維持原有口徑，但預計未來涉及棚戶區改造項目、城鎮化概念、參與保障房建設等房企有望優先獲得政策mini storage斜性支持。此前上市房企的信托融資成本大約為12%至24%。收益超過20%的房地產信托產品也不少見。信托界人士表示，他們最近在向投資者強調，今後大家可能要接受房地產信托產品收益率下降的事實。從目前行業的最新動態看，包括中小型房企的綜合融資成本也開始從此前的17%至20%，下降至15%的水平。基礎建設信托仍紅火與房地產信托發行規模驟降形成鮮明對比的是，基礎設施類信托的“紅火”。據好買基金統計，今年7月投向基礎設施的信托該月占比為18.10%，此類產品平均募集規模高于平均募集規模0.72億元。這就是通常所說的政信合作信托，是指募集資金主要投資于城市基礎設施建設、保障房建設，以及舊城改造和新城區開發等項目。通常由地方政府平台公司發起，還款以地方財政作為擔保的信托。由於投資方向常為基礎建設，因此也被稱為基礎建設信托。該類產品有幾種模式。第一種是地方融資平台或相關企業通過信托公司設立單一資金信托計劃，再由銀行理財產品購買該信托計劃的受益權；第二種是銀行理財資金通過信托公司為地方政府融資平台發放信托貸款。據中國信托業協會的統計數據，截至今年一季度，信政合作項目餘額6548.14萬億，占比7.5%。好買基金統計，今年7月，房地產、其他、基礎建設類信托的發行數量領先，全月分別有80只、54只、40只信托產品成立。平均募集規模最大的是基礎建設信托，平均募集金額1.68億元，高出總體平均募集規模75%。“這可能和融資平台類信托的突擊發行有關。”上海某信托公司人士認為。今年7月已有傳聞稱，銀監會即將叫停政信合作類信托的發行，配合全國政府性債務審計工作。self storage

「以史為 鑑」，self storage待消息沉寂後，港資銀行股價又會被打回原形。回看08年永隆銀行被招商銀行(3968)收購一事，相關股份的炒作，至招行在港交所正式發出收購通告後2日才結束。 08年5月30日，招行和永隆簽訂收購協議，但有相關股份在5月27日便炒起，至30日，永亨的累計升幅已經超過一成，高見118.4元才見頂回落。其餘股份的升勢則到6月4日才停止，是招行在港交迷你倉發出收購通告兩日後。 另外，越秀集團出手收購多少令市場意外，惟觀乎該集團近期動作，可窺一斑。越秀集團旗下有越秀金融，業務範圍包括證券、小額貸款和擔保業務等8大業務，若成功收購創興銀行將產生很大的協同效應，包括在證券和銀行業務方面，廣州證券和越秀證券尚未有上市平台，將來不排除與創興整合後，在港實現上市夢；銀行業務則是一塊全新的業務，補足越秀金融的缺口。 張威紅文件倉

一如其他銀行CEO，迷你倉新蒲崗訪問當日龐華毅穿著一身黑沉沉的西裝出現，但他臉上常掛笑容，說話風趣，三言兩語間已令人感覺親切。龐華毅的家鄉在「香蕉之國」厄瓜多爾，南美洲人獨有的那種陽光性格，在他身上處處散發。曾駐南美中東非洲來港之前，龐華毅幾乎跑遍全世界，過去25 年的銀行家生涯中，南美、亞洲、中東、歐洲甚至非洲沙漠地區他都駐守過，與其說是當「賓架」，感覺更像冒險家。每到一個新地方，他總可迅速融入當地生活，並學曉當地語言。他能操西班牙語、英語、法語及德語，因為曾在印尼工作5 年（ 這是他為工作逗留最久的地方），連印尼話也會說。龐華毅在花旗集團任職近20 年，之後過檔到印尼P.T. Bank Danamon 擔任董事長，在短短5 年間，令該行的貸款業務增迷你倉出租超過一倍，客戶群由200 萬增至520 萬人，收入更增加近2.5 倍。香港「做好自己」仍是東方之珠2010 年星展集團推行業務改革，邀龐華毅出任港區行政總裁兼開拓中國業務，龐於是再踏上一段新旅途。來港後，他再次「點石成金」，翻看半年報，星展香港上半年盈利較2010 年半年增加逾九成，期內利潤增長更屢創新高。這名來自地球另一面的CEO，居於亞洲的日子不算長，管理亞洲市場卻是如魚得水。對於香港，他認為最大的市場機遇在神州大地。雖然近年來自香港本土的問題和外來環境的競爭不斷增加，但龐華毅堅定地說︰ 「隨�中國持續國際化及對外開放，香港只會愈來愈好，對這我是十分樂觀的」。他指出，香港只要專注做好自身，而非把周遭地區視為競爭對手，未來仍可繼續「閃耀」。儲存倉

　　內銀股中期業績，文件倉將於8月16日由招商銀行（3968）掀開序幕，市場重點將集中於8月下旬的四大行成績表，不過證券商普遍預期，內銀整體盈利增長將放緩，淨息差持續收窄，不良貸款問題或進一步令資產質素惡化。　　美銀美林估計，內銀業績難有驚喜，預測四大行中期盈利增幅介乎10至15%，中小內銀（不計中信銀行（998））則介乎14至18%，但該行認為，內銀股價應已反映中國經濟硬�陸風險，其中民生存倉行（1988）及農業銀行（1288）的中期盈利，或有較強勁增長，可帶動股價追落後。工行抗逆力較強　　瑞銀則看好建行（939）及工行（1398），認為兩行存款業務表現較佳。大摩亦於上周五出報告，重新將工行納入研究範圍，指工行於零售及企業銀行市場，可維持領導地位，資金成本具優勢，加上在貸款質素下降的情況下抗逆力較強，因此給予「增持」評級，目標價5.9元，相當於2013年預測市帳率的1.26倍。自存倉

陳洪米曉華黃龍縣地處黃土高原丘陵溝壑區，迷你倉價錢位於陝西省中北部，延安市東南。轄區礦產 資源匱乏，是以農為主的農業經濟縣。從以糧食種植為主，到發展特色農產品，走以核桃產業為主的農業產業化發展道路，黃龍人在選擇中走出了一條適宜自己發展的道路。農業產業化推進情況上世紀九十年代初，根據地域特點，從調整優化產業結構、發展地方經濟的角度出發，黃龍縣開始推進核桃產業發展，走農業產業化發展的道路。為此，黃龍縣政府出台了核桃栽種優惠政策，引導農戶栽種核桃。實行財政補貼、進行技術培訓、提供咨詢服務、對支持核桃產業的銀行業機構發放的小額貸款給予減免利息稅。核桃產業為黃龍縣注入了新的活力。黃龍核桃每年以萬畝的發展速度遞增，基地建設初具模，已成為陝西省最大的優質核桃商品基地。經過二十多年的發展，黃龍核桃栽種遍佈全縣各鄉鎮，發展為該縣的主導產業，與玉米、蘋果等成為縣域支柱產業。截至2012年末，黃龍縣核桃栽種面積25萬畝，掛果面積12萬畝，年產量達到60 00噸，實現產值1.8億元。特色農業產業化發展的�示黃龍縣核桃產業的快速發展與糧食種植的穩定發展態勢形成明顯對比，有四點值得借鑒。(一)堅持因地制宜。黃龍縣屬於渭北黃土高原丘陵溝壑區，轄區地貌特徵為�、梁(嶺)、�組成的溝間地和溝壑系統，大面積的丘陵、山區適宜核桃、蘋果等經濟樹木生長，而�面則適宜發展糧食生產。(二)堅持面向市場。核桃有較高的經濟價值，核桃栽種具有投資小、見效快、銷路好、效益高、易管理等特點。隨著人民生活水平的提高，對核桃的需求量日益增大。(三)尊重農民的意願。在推進核桃產業發展中，地方政府充分尊重農民的意願，讓群�幹自己喜歡幹的事情，以效益推動作為發展產業的前提，使農民切實得到實惠。(四)堅持農民受惠原則。從調查數據來看，農戶種植玉米的成本價每畝在650 元左右，玉米的平均畝產值1440元，扣除成本，種植玉米每畝收入在790元左右；而農戶栽種核桃，每畝投資大約1000元左右，核桃平均畝產值12500元左右，扣除投資和其他成本，栽種核桃每畝收入在11500元左右。顯而易見，農戶種植核桃與種植玉米，經濟收入懸殊，效益大不相同。農業產業化發展存在的問題 (一)資金供求矛盾突出。據調查，黃龍縣栽種核桃投資每畝在1000元左右，全縣25萬畝核桃，每年投資最少需2.5億元，玉米投資最少需0.85億元，蘋果投資最少需1億元，僅此三項需投資4.35億元，剔除農民自籌和政府補貼，資金缺口在2.4 9億元左右。截至2012年9月末，黃龍縣銀行業金融機構貸款餘額2.42億元，剔除公司類貸款、消費貸款、個體工商戶貸款等，實際投入到農戶的貸款大約在1.8億元，僅農業支柱產業資金缺口約1.37億元。(二)縣域金融服務弱化。一是機構數量少。截至2012年9月末，在黃龍縣設置機構的銀行業金融機構有農業銀行、郵儲銀行以及農村信用聯社三家共20個營業網點，其中，農行迷你倉庫個網點，郵儲銀行有5個網點，兩家機構的網點大多分佈在城區，業務範圍和服務對象勢必受到影響。二是資金來源有限。從服務職能和服務方向看，三家銀行業金融機構都具有服務“三農”經濟的特徵，但由於黃龍縣人口稀少，資源貧乏，工業發展落後，縣域經濟主要以核桃等農業產業為主，經濟基礎薄弱，銀行業金融機構的可用資金有限。三是貸款投放對象有限。黃龍縣農村信用聯社的貸款占全縣貸款餘額的80%以上，農業銀行以及郵儲銀行的貸款投放對象以個體工商戶為主，對核桃及蘋果產業的貸款投放有限。而作為補充的民間借貸不僅資金有限，且利率很高，加大貸戶負擔，資金鏈容易斷裂。(三)貸款風險較大。農業是弱質產業，受自然災害、市場價格以及經營管理等因素影響較大，一旦遭遇自然災害或經營管理不善，農戶收入必將受到直接影響，貸款就會形成不良，而農戶一旦產生不良記錄，按照規定，銀行就不能再給予信貸支持，農戶融資就會更困難，形成惡性循環。(四)貸款額度有限。黃龍縣農村信用聯社的貸款占全縣貸款餘額的80%以上，由於農業生產的不確定性和高風險性，黃龍縣信用聯社給基層信用社的最高授信額度為5萬元，超過貸款限額，需要上報聯社審批，超過一定額度還需要提供抵押物，或具有一定經濟實力的人出具擔保，還要經業務部門審查、審貸會研究以及領導 簽批等環節，大部分農戶或因手續繁雜或因貸款時間長或因人員生疏不願去聯社辦理較大額度的貸款。發展農業產業化的建議(一)完善農村金融服務體系。地方政府要出台扶持獎勵政策，鼓勵和引導金融機構尤其是大型銀行在縣域設立機構，在鄉鎮增設網點機構，把服務觸角向基層延伸，向村鎮延長，完善商業金融、政策性金融互為補充、有序充分競爭的農村金融服務體系。(二)加大信貸投放力度，著力支持“三農”經濟發展。現有銀行業金融機構要立足縣域經濟發展特點，著眼地方主導產業發展的實際，堅持服務“三農”的宗旨，培養優良客戶，加大貸款投放力度，積極扶持農戶發展支柱產業，推進農業產業化發展，壯大地方經濟。(三)建立農業風險補償機制。地方政府部門要出台優惠政策，嘗試引導保險機構參與農業保險的承保工作，因地制宜創新保險產品，為糧食種植戶承擔部分損失，調動糧食種植戶尤其是種植大戶的積極性。(四)適度放寬貸款條件。農村信用聯社應根據地方經濟發展特點，在風險可控的條件下，適度放寬對農戶的貸款額度，特事特辦，急事急辦，縮短貸款辦理周期，及時解決農戶尤其是種植大戶的資金需求。(五)加大政策扶持力度。地方政府要因地制宜，積極研究制定、出台財政獎勵 、稅費減免等優惠政策，完善風險補償、擔保機制，對支農突出的銀行給予資金和政策傾斜，對銀行業機構在支持農業產業化發展中形成的不良貸款予以協助清收或資金補貼，以解決銀行業機構的後顧之憂，持續加大農村金融投入。同時，通過農業技術指導、農田管理、市場行情咨詢等方式，為農戶提供病蟲害防治、自然災害防範和銷售等服務，調動農戶的積極性。儲存