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Sharing patient records between public and private institutions will streamline carePatients lugging unwieldy CT scans and X-rays to their doctor’s office could soon be history.存倉In an eHealth Forum held earlier this month, IT and medical professionals shared the progress of their drive to set up a platform for sharing of electronic medical data between the private and public health sectors.“In 2005, medical records in the public sector were accessible to the private sector for the first time, but it was only one-way, with the private sector being able to see records in the public sector,” says Dr Cheung Ngai-tseung, chief medical information officer with the Hospital Authority.“At the end of 2014, it will be mutual sharing. For a patient seeking medical consultation at a private clinic, upon his consent, the clinic can see his medical records [in public hospitals]. He just needs to present his ID card.”Cheung says progress has been attained in the establishment of the mutual platform since the 1990s when the authority developed an electronic system for hospitals.He says the government is in the process of enacting legislation for the mutual sharing of electronic records.With the public sector providing the bulk of medical services in Hong Kong – accounting for 77 per cent of all in-patient services – Choy Khai-meng, the authority’s chief manager in service transformation and a consultant in public-private partnership with the Food and Health Bureau, says the mutual s haring of data can help lessen the burden on the public medical sector.One area in which this has had a positive impact in the private-public collaboration is in the treatment of cataracts.Choy explains: “The waiting list for cataracts suffe自存倉ers at public hospitals is around five years. We give patients subsidies and they can choose to get their surgeries done outside. Patients’ records are sent out electronically. Most of the more than 100 eye surgeons in Hong Kong have joined the programme.”In 2012, the authority received HK$65 million from the government to launch the Pilot Project on Enhancing Radiological Investigation Services through Collaboration with the Private Sector.Under the programme, cancer patients can ask for diagnoses on the stage of their disease. If they’ve joined the electronic medical data sharing system, the results of their magnetic resonance imaging and computed tomography scans are returned to the public hospitals through the electronic platform for subsequent treatment.Electronic records that spell out family illness history, use of medicine, and inoculation history, provide doctors with a clearer picture of their patents’ medical condition.Electronic records can also help the government better handle medical contingencies, Cheung says. For example, in 2009, a drug for treating gout was found to have a problem. Using the database, the affected patients could be found instantly.Stephen Lieber, chief executive of the Healthcare Information and Management Systems Society, a US-based non-profit group and organiser of the eHealth forum, says the initiative can improve medical practices.“Many things can come out of the aggregation and analysis of data. Doctors will be able to recognise how community diseases spread from one place to another and identify hot spots of diseases.”He adds that the Hong Kong government should make sure their self-developed system can keep up with the cutting-edge technologies around the world.迷你倉新蒲崗

The six people swept up and killed by hot lava from an erupting volcano in eastern Indonesia had refused to leave the area for safer ground when the mountain began rumbling last year, an official said yesterday, one day after the eruption.迷你倉庫Officials continued searching yesterday for the bodies of two children buried by the hot lava as rumbling could still be heard from Mount Rokatenda on the small island of Palue in East Nusa Tenggara province.Nearly 3,000 people have been evacuated from the area since the volcano erupted early Saturday morning, according to the National Disaster Mitigation Agency. The volcano had been active since last October.Tini Thadeus, head of the local disaster agency, said the six victims, who died while sleeping in a beachside village, were among those who had refused to leave last year when evacuations were carried out to establish a safety zone around the volcano.“On their belief, if all the old villagers abandoned the red (danger) zone, then lava will destroy the residential 儲存rea,” Thadeus said from Kupang, the provincial capital. Among the dead was a 58-year-old woman, the grandmother of the two children who also died.“But unfortunately, not like in the past, lava from Saturday’s eruption flowed northward and hit them,” Thadeus said, adding that during earlier eruptions since the 1930s, lava had always flowed southward.On nearby Flores island, Mutiara Mauboi, an official at the command post helping evacuees, said 138 had arrived yesterday in Maumere town. Eleven people, including two pregnant women and two disabled people, were taken to a hospital due to injuries sustained during the eruption.The people who died included three adults and the two children. The age of the sixth person is not clear.Thadeus said he was not optimistic about recovering the children’s bodies since they were buried under hot volcanic material. He said small explosions could still be heard coming from the peak, which was still spewing smoke up to 600 meters into the sky. 新蒲崗迷你倉

Police arrest 8 suspects from firm with clenbuterol-laced productsBy Zhou Wenting in Shanghaizhouwenting@chinadaily.迷你倉庫com.cnChina’s Ministry of Public Security China found the banned substance clenbuterol in veterinary drugs, the ministry said on its website on Sunday.Jiangxi Hailian, a private enterprise in Haiyan county, Jiangxi province, that specializes in the production of veterinary drugs, sold clenbuterol-laced drugs in 21 provinces and municipalities.Eight main suspects, including the company manager, who was identified only by his surname of Xiong, were arrested, and police seized more than 4,000 boxes with 20 kinds of counterfeit drugs. Six kinds of the counterfeit drugs contained clenbuterol.The enterprise added the substance to the drugs to improve effectiveness and reap economic benefits, according to police.The company, which claims on its website to sell veterinary drugs to farms all over the country, was unable to be reached on Sunday for comment.China forbids the production, sale and use of clenbuterol, which makes pigs leaner, because residue of the chemical in livestock will cause health problems in humans, such as dizziness, headaches, hand tremors and palpitations, food safety experts said.“Clenbuterol causes symptoms within several hours, and the greatest risks are to people with heart trouble,” said Fan Zhihong, associate professor of nutrition and food safety at the China Agricultural University, who said a small amount of the substance would not be obvious but would be dangerous.The case emerged when pigs from several farmers in Haiyan were found to contain the chemical in spot checks by the local agricultural economy bureau in February.The technical director of the company, who the police only i儲存entified by his surname, Zhou, told police he found on the Internet that clenbuterol relieves asthma in pigs.“We acquired the license number to produce veterinary drugs with qualified recipes and used it to produce substandard medicines,” Zhou said, according to police.The business got a certificate of Good Manufacturing Practices in 2005, which is required by drug manufacturers to produce veterinary drugs, and repassed the test last year, according to information from the Ministry of Agriculture.The company used a warehouse behind a wall to hide the clenbuterol-laced drugs during inspections from authorities, Zou Yunfeng, a policeman who dealt with the case, was quoted by the Beijing News as saying.“The managers of the business closed the door on a wall behind which the illegal drugs were stacked whenever drug inspectors arrived,” he said. “They would mistakenly believe the warehouse behind the wall was outside the factory and didn’t look into it.”Police have carried out campaigns against clenbuterol since it stirred widespread concern about pork safety when the Shuanghui Group, the country’s largest meat processor, apologized in April 2011 for selling pork products that contained the additive.In June 2011, police said 2.5 tons of clenbuterol had been seized in a nationwide crackdown in the previous six months and nearly 1,000 people were arrested on suspicion of manufacturing and selling the hazardous chemical.4,000boxesof drugs were seized. They had 20 kinds of counterfeit drugs, six of which contained clenbuterol.Clenbuterol causes symptoms within several hours, and the greatest risks are to people with heart trouble.”fan zhihongassociate professor of nutrition and food safety at the China agricultural university新蒲崗迷你倉

Source: Tulsa World, Okla.文件倉Aug. 11--Whirlpool to add 150 jobs to Tulsa facilityWhirlpool Corp. announced Thursday it will add approximately 150 jobs at its Tulsa factory.Additionally, the manufacturer said it will spend $18.8 million for capital improvements at the facility, located near U.S. 75 and 76th Street North in the Cherokee Industrial Park.Whirlpool currently employs 850 people in Tulsa, down from a high of 1,200 five years ago.The plant chiefly manufactures cooking ranges, and the growth in employment was attributed to a new cooking product line that will be made in Tulsa.The new jobs will mostly be in manufacturing and skilled labor, with a few salaried positions in support, Whirlpool said in a news release. The company did not disclose the salary range or what the capital improvements will entail.Gov. Mary Fallin said she is excited that the company is expanding and creating jobs in Tulsa."Whirlpool's investment in Oklahoma is a great vote of confidence in the state's pro-business climate and its long-term economic outlook," she said in a statement. "My thanks go out to Whirlpool and its employees for continuing to be an important part of our Oklahoma community."- ROBERT EVATT, World Business WriterAA-US Airways merger passes regulatory hurdleThe European Commission has approved the proposed merger between US Airways and AMR Corp., the parent of American Airlines, removing another obstacle to the deal.As a condition of its approval, the EC is requiring the new combined carrier to give up one daily take-off and landing slot between London's Heathrow Airport and Philadelphia. Currently, Tempe, Ariz.-based US Airways operates one daily flight between London and Philadelphia, and American's Oneworld alliance partner, British Airways, operates two daily flights between the cities."The commitments include a corresponding slot at London Heathrow as well as far-reaching feeder arrangements to induce entry by a new competitor on the route," EC official Joaquin Almunia said in a statement. "We are therefore satisfied that the competitive dynamics will be maintained so as to ensure choice and quality of air services for passengers on this route."With clearance from the EC, the merger is awaiting approval from the U.S. Department of Justice as well as confirmation of AMR's restructuring plan in bankruptcy court. The bankruptcy court is scheduled to take up the matter Thursday. And both airlines expect to close the merger by September, when American will exit bankruptcy.- ANDREA HALES, Fort Worth Star-TelegramMidtown may get another grocery storeCould midtown Tulsa be getting another big-name grocery store?According to a recent city Board of Adjustment case report, an applicant plans to tear down and rebuild the former Homeland building near 31st Street and Harvard Avenue for a new grocery store.Chatter on Facebook and elsewhere is that a Walmart Neighborhood Market may locate at the site in Ranch Acres Shopping Center.Officials at Wal-Mart Stores Inc. were asked by phone Tuesday about the possibility of locating a grocery store at the site."We're always looking for opportunities to serve our Tulsa customers, but we存倉have nothing to announce," said an emailed response by Erica Jones, senior manager of communications for the Bentonville, Ark.-based retail giant.A Walmart Neighborhood Market operates on the southwest corner of 21st Street and Yale Avenue, less than two miles away.The applicant received approval for the plan at the July 9 Board of Adjustment meeting.Lynne Tucker, who sits on the board of trustees for the Ranch Acres Homeowners Association, voiced support for a new store."We're all very much thrilled and in favor of it," she said.- LAURIE WINSLOW, World Business WriterPlanned community in the works in west TulsaThe site around a pick-your-own blueberry farm in west Tulsa could become a 23-acre planned community with residential and commercial components.The development, currently known as The Land, was unveiled Wednesday by Richard Presley, owner of retail optical shops in Oklahoma, Kansas and Arkansas, during the regular meeting of the Tulsa Rotary Club downtown.Presley said he's in the planning phases of the project and hopes to present a site plan for permitting approval by the end of the year.For the design, Presley has hired Duany Plater-Zyberk & Co., a Miami, Fla.-based architectural firm that has planned a number of communities built around smart growth, sustainable development and community planning over the past three decades.Elizabeth Plater-Zyberk, a founding principal of the firm, spoke during the luncheon about design strategies to tackle the interconnected problems of urban disinvestment and suburban sprawl.The principles the company tends to follow in its mixed-use developments include having everything within a five-minute walking radius; focal civic places such as post offices, activity centers and churches; and a road layout that focuses on interconnectedness.She said The Land will have a similar feel with a cluster of commercial and community space, featuring a mix of offices, restaurants and a market, as well as a variety of residential options.- ROBERT EVATT, World Business WriterThe week in numbers48Drop, in percentage, in second-quarter net income for HollyFrontier Corp. after the company reported $257 million in earnings, down from $493.5 million a year earlier. The drop is due to many refineries being down for maintenance, CEO Mike Jennings said.5.8Increase, in percentage, of car rentals at Tulsa International Airport in June over the same month last year after being up 11.4 percent in May. The Global Business Travel Association is predicting a 5.4 percent increase in business travel this year.17Number of high school graduates in the state, out of 100, who earn a college degree in Oklahoma, according to Marilyn Feaver of the Southwest Oklahoma Impact Coalition. Groups at a Monday conference gathered to address the need for skilled labor in the state.Quotable"In a few years, I think vinyl and downloads will be the only formats for music."- Jim Paddack, co-owner of Oklahoma retailer Size Records, on the comeback in popularity of vinyl recordsCopyright: ___ (c)2013 Tulsa World (Tulsa, Okla.) Visit Tulsa World (Tulsa, Okla.) at .tulsaworld.com Distributed by MCT Information Services自存倉

Source: Standard-Examiner, Ogden, UtahAug.自存倉 11--SALT LAKE CITY -- In response to an emergency request for assistance from the Division of Forestry, Fire and State Lands, Gov. Gary Herbert has authorized deployment of Utah National Guard resources as part of the air assault to combat the State and Millville fires in northern Utah.The State Fire is near the town of Portage in Box Elder County, close to the Utah-Idaho border, and has burned more than 11.000 acres. The Millville Fire is in Cache County, just south of Logan.Due to new fires in other parts of the state, air resources are scarce and the assistance of National Guard Blackhawk helicopters is warranted to tac迷你倉新蒲崗le flames in a steep canyon west of Portage and in Millville, according to State Forestry officials. According to current reports, six ground crews are on scene at the State Fire and five more are en route. The erratic fire keeps jumping fire lines and making significant runs due to high winds.The National Guard has initiated mobilization efforts, in coordination with the Division of Emergency Management and Utah Department of Public Safety. Two Blackhawk helicopters are expected to deploy any minute.Copyright: ___ (c)2013 the Standard-Examiner (Ogden, Utah) Visit the Standard-Examiner (Ogden, Utah) at .standard.net Distributed by MCT Information Services迷你倉出租

Source: The Tribune-Democrat, Johnstown, Pa.mini storageAug. 10--VINTONDALE -- A Vintondale man was jailed after authorities said he twice intentionally rammed his car into another vehicle.The other car was carrying three people, including a 22-month-old child.Chad Michael Adamsky, 26, of the 200 block of Rager Road, was charged Thursday with six counts each of aggravated assault, simple assault and reckless endangerment by state police in Ebensburg.He also was charged with two counts each of criminal mischief and disorderly conduct, along with multiple traffic violations.In a criminal complaint, troopers said a man, woman and child were riding in a Honda Civic on Route 3047 (Plank Road) in Jackson Township around 2 p.m. Wednesday.As they approached a black Chevrolet Cavalier from behind, the driver began throwing soda bottles out a window aself storage the Honda.The driver of the Cavalier rammed the Honda as its driver attempted to pass, troopers said.The Cavalier driver also ran a stop sign while heading north on Route 271, troopers said.The Honda's driver told troopers that he drove around the Cavalier when it stopped on Expedite Road, but the Cavalier's driver again rammed the Honda from behind.Damage to the Honda was estimated at $1,800. No injuries were reported.The woman in the car said she recognized Adamsky as being a friend's boyfriend.Adamsky arraigned by District Judge John Barron of Upper Yoder Township and sent to the Cambria County Prison after failing to post 10 percent of $20,000 bond.Copyright: ___ (c)2013 The Tribune-Democrat (Johnstown, Pa.) Visit The Tribune-Democrat (Johnstown, Pa.) at .tribune-democrat.com Distributed by MCT Information Services迷你倉

Source: The Roanoke Times, Va.存倉Aug. 10--Even the most dedicated faithful can find themselves entrenched in an almost mechanical Sunday routine: Go to a worship service, go home, repeat next week.It's common in churches across the spectrum, but not ideal, according to Chuck Frost, a St. Andrew's Catholic Church pastoral associate.Over the past two years, the St. Andrew's staff kicked around an idea that could break people out of the mundane cycle. A festival formed in the minds of church leaders. It featured music, a speaker, and an opportunity to unite a group of parishioners that is usually split over four separate services.It would be called the Festival of Faith.Still, Frost said, organizing such a large event was a risk because of the costs involved. And in October 2011, the idea was about to be set aside. That's when then-Pope Benedict XVI sent a letter to Catholics worldwide announcing that the church would observe a "year of faith" from October 2012 through November 2013, a letter that spurred St. Andrew's to go forward with its suddenly aptly named festival."The bigger church is asking us to do this, to inspire people and renew their faith," Frost said.The Roanoke church is hoping to energize legions of local Catholics with the event, which kicked off this evening and will run through Tuesday.After 15 months of planning, Muriel Kelley said the weekend's events will be the first of their kind for St. Andrew's. Kelley, the chairwoman for the steering committee that planned Festival of Faith, said one of the church's goals is to bring all of its parishioners together for a unique experience.The church expects about 1,500 people to be on hand Sunday morning for a special combined Mass and boxed lunch, Kelley said. The Mass, along with events on Monday and Tuesday, will feature keynote speaker Mike Patin, who is known nationally for using humor and energetic talks to encourage further engagement with the faith.But to start the festival, the church called on the internationally touring band Ceili Rain, a group infused with Celtic sounds and a Christian message. Bill Bleistine, the drummer, said the group is composed of Catholics, but tries to make music that can lift the spirits of anyone."We wan自存倉 them to feel better leaving than when they came," he said.He said much of that is accomplished in the songwriting of lead singer Bob Halligan Jr., who spent years penning pop songs for bands such as Judas Priest and Joan Jett."He finds a great story or a great character or a great lesson and finds a way to tell it without being preachy or making people uncomfortable," Bleistine said.The band includes St. Andrew's parishioner Burt Mitchell on bagpipes and whistles, and he led the band to the stage by marching through a tent that held 1,500 chairs the church has set up for the weekend's events.After introducing the night's entertainment, Frost watched as the festival kicked off in the big tent, but he had his eyes on a smaller tent, a blue one standing closer to the church. He said over the next few days, that tent will be offering parishioners the chance to become more involved, more engaged.He called the festival a spark plug, hoping it will boost enthusiasm and dovetail with the Catholic New Evangelization movement, which seeks to spread the faith by energizing existing members."It's renewing the church internally so it bleeds over," Frost said. "We will draw people in by our lives. We hope that if their faith is energized, the world will see it and want to know more about it."Even planning the festival, Frost said, has made waves within St. Andrew's members who worked to set the event in motion."It's renewed their faith," he said. "There's a certain excitement among the many who pitched in."Sunday's lineup features the combined Mass at 10 a.m. with Patin, then lunch and music at 11:30 a.m.Monday will bring vendors to the church at 5 p.m. to serve dinner as the church celebrates Mary and listens to another talk from Patin. And on Tuesday, vendors will return as Patin's final keynote closes the festival.Those attending the festivities can park near the church or at locations serviced by a shuttle. Sunday, the shuttle will be running from the Roanoke Civic Center. On Monday and Tuesday, the shuttle will run from the Elmwood parking garage.Copyright: ___ (c)2013 The Roanoke Times (Roanoke, Va.) Visit The Roanoke Times (Roanoke, Va.) at .roanoke.com Distributed by MCT Information Services迷你倉新蒲崗

　　雖然還只是霧里看花，文件倉還處於籌備期之中的民生電子商務有限責任公司（以下簡稱“民生電商”）已經讓業界引發多重猜想。有知情人士向《中國經營報》記者透露，銀監會創新監管部副主任尹龍有望出任該公司總經理。　　然而，對於此前媒體所說的“由民生銀行牽頭”的說法，民生銀行卻矢口否認。　　“民生電商尚未註冊，與民生銀行沒有股權關係。”8月7日，民生銀行相關人士向記者表示。　　但是，由於冠以“民生”二字，又在招聘�事中明確提出“利用民生銀行龐大的中小微客戶規模和牢固的客戶關係基礎”“發揮在信息流、資金流、物流與民生銀行的互補與協同作用”等說法依然給了外界很大的想象空間。　　去年民生銀行董事長董文標曾稱，未來5年要打造一個5000人的團隊來推動電子商務銀行的加速發展。那麼此次孕育而生的民生電商是否只是董文標設想的“電子商務銀行”大框架中的一步棋？　　“現在很多銀行系電商都存在打擦邊球的風險，很多業務都是市場先行而倒逼監管的，” 東方證券銀行分析師金麟分析，目前的銀行系電商規模壯大之後或許存在合規性隱患，與之相比，“民生銀行則是選擇了迂回路徑，不僅淡化了銀行在其中的角色，而且，如果銀監會官員也能參與的話，則可徹底解決合規的問題。”民生銀行迂迴觸“電”？　　在互聯網金融概念炒得火熱的當下，銀行和電商的結合，注定會碰撞出火花。　　這也就難怪，7月8日出現在民生銀行官網上的一則招聘�事會引發外界如此廣泛的關注。　　據悉，民生電商即將在深圳前海註冊，公司發起人為民生銀行的七家主要非國有股東單位和民生加銀資產管理有限公司，認繳資本金30億元人民幣。　　資料顯示，公司發起人為中國民生銀行的七家主要非國有股東單位和民生加銀資產管理有限公司。這七家公司的負責人是董文標、劉永好、郭廣昌、史玉柱、盧志強、張宏偉等。　　但對比坊間的熱議，當事方卻三緘其口，而且民生銀行的態度也“似是而非”，不僅多次表示與民生電商除了股東關聯之外毫無關係，而且對此事也不願置評。　　“當初是借助民生銀行的客戶資源來提高一下招聘�事的關注度，所以才掛在官網上。”對此，民生銀行內部人士如是解釋。　　業內人士分析，民生銀行似是而非的態度背後，或許映射出銀行對電子商務“霧里看花”的心理：一方面對電子商務心嚮往之，卻沒有合適的模式切入，同時也出于對《商業銀行法》的忌憚心理，恐踩紅線。《商業銀行法》明確規定，銀行不得向非金融機構和企業投資。　　雖然目前很難證實民生銀行是否存在上述顧慮，但靈活而多變的民生銀行對電子商務的憧憬和盤算早已有之。早在去年7月份，董文標在《哈佛商業評論》中文新刊慶典上就表示，未來5~7年，電子商務銀行市場將非常強大，而電子商務銀行對中國銀行業是一個很大缺失，所以必須在這方面下大決心提升解決。董文標特別強調，如果沒有這樣一個遠見，5~7年以後，小型銀行生存將面臨很大挑戰。　　之後，民生銀行也積極展開與電子商務公司的合作。去年10月份，民生銀行與慧聰網合作發行了民生-慧聰新e代聯名信用卡，針對小微企業在B2B平台積累的網絡信用為基礎推出無抵押、免擔保、靈活計費的小額信貸產品。　　今年7月30日，民生銀行又在移動電商領域布下一子，民生廣州分行與移動電商廣州閃購�動戰略合作，推出“民生購”。據瞭解，“民生購”平台將借助于移動電商技術延伸企業的銷售渠道，同時，閃媒所實現的隨時隨地品牌傳播功能，讓所有商品都成為廣告傳播平台，成為企業無處不在的資訊平台；另外，平台也為消費者提供24小時在線移動商城、線上購買線下體驗的O2O模式和服務，以及快捷、方便的金融產品在線服務。　　同期，民生銀行北京管理部還在內部搭建了“小微同城”，通過在該平台發佈優質小微商戶的服務及商品信息、促銷活動等，吸引行內員工參與交易，實現品牌宣傳、行內交易撮合，為民生銀行小微客戶提供高附加值的非金融服務。民生銀行的這一做法與建行的電子商務平台有些相仿。善融商務在正式推出之初，也同樣在內部試運行一年，借助于內部員工的參與來測試系統的安全性和成熟度。　　“銀行與銀行電商之間未來的業務協同是一定的，但是要看哪方面的業務，是消費金融，還是供應鏈金融，不同的定位效果也不盡相同，這取決于銀行的整體戰略。”金麟表示。三種模式PK:自建、接入、獨立電商　　“在銀行脫媒和泛金融化的大背景下，跨界電商也是各家銀行轉型的一個必然選擇。”某國有銀行電子銀行部相關負責人付育（化名）認為，這個方向是確定的，但是目前還沒有固定的模式和路徑可循。　　多位接受記者採訪的電子銀行業內人士則表示，銀行跨界電商的熱情有餘，但是經驗不足。每一家銀行都在摸著石頭過河。　　目前來看，先行試水的銀行主要是採用兩種模式，一種為自建電子商務平台，比如交通銀行的交博匯，以及建設銀行的“善融商務”，都由銀行的電子銀行部門主導搭建交易平台，引入B2B和B2C商戶入駐，同時提供融資、支付結算為一體的綜合化金融服務。　　與此同時，以華夏銀行為代表的銀行則與各大電子商務平台合作，並且與後者的交易系統實現對接，借此獲得交易雙方真實而有效的數據，在此基礎上為企業實現在線融資、現金管理、跨行支付、資金結算、資金監管五大功能。　　作為銀行的新興金融服務手段，上述兩種模式在短期內存倉獲得了較大的發展。截至6月末，對外推出一年的“善融商務”註冊會員數已突破150萬，交易額接近百億元，融資規模達到數十億元；而華夏銀行中小企業信貸部總經理盧小群則向記者透露，今年1~7月份，平台金融累計發放貸款過萬筆，戶均21萬元。　　相形之下，後一種模式有明顯的短板。“自建與非自建，主要區別就是在渠道的控制力上。”某股份制銀行相關業務負責人對記者表示。　　在自建商城的模式之下，銀行對平台上的交易數據有絕對的掌控能力，而且，在大數據時代，更多的數據也意味著更多業務延展的可能性；但與之相對，更大的話語權則需要更大的投入。　　建行副行長龐秀生此前在接受記者採訪時就曾指出，所有創新的業務都需要這樣一個周期：研發階段、試點推廣階段，然後才能成長到高成長階段，最後再到成熟階段。往往到後兩個階段的時候，才會真正賺錢。客戶基於善融商務平台而生髮出大量的金融服務，還需要一個過程，初期肯定要有人力和物力上的投入。　　首先是資金的投入，“電商平台本身就是燒錢的，尤其是銀行作為後發者，投入的成本更是倍增。”付育表示。　　其次是時間上的投入，連入一家大企業需要雙方財務信息、交易信息等多方面的信息共享和系統對接，“需要長時間的溝通，技術配合上也耗時很久。”建行電子銀行的一名業務人員表示。　　此外，在銀行自建電商平台的模式之下，會面臨一系列的售後和物流的問題，而這些對銀行而言都是新課題。　　“自建電商需要銀行深度介入電子商務環節，這樣做的確收效更慢，但是效果會更好，因為互聯網金融的生態中，客戶的商務行為和融資模式都會發生變化，銀行跨界電商之後，首先的效果會體現在融資上，未來更大的業務機會還在於數據挖掘等。”建行某分行電子銀行負責人認為，並且舉例表示，此前有一個客戶財務信息都沒有問題，但銀行從其電費繳納數據中發現異樣，由此排除了銀行的潛在風險。　　與之相比，在“合作”模式下，銀行可以實現與現有平台的高效快速對接，“短、平、快”地實現銀行的電商化，但是對平台缺乏足夠控制力和話語權，因此，有銀行業人士也指出，不排除要收購一些電商企業——但這又觸犯了當前的監管法規。　　民生電商的成立無疑也引發了人們對銀行電商第三種模式的展望。在付育看來，這好比間接成立一個商務公司，做商務和做銀行互不干涉，但在共同的股東背景下又能更好地實現協同效應。　　“不過問題在於兩者之間的配合是否能夠實現銀行主營業務的利益最優，因為電商公司也是有利潤訴求的。”付育表示。銀行跨界是整體戰略延伸　　“互聯網金融的競爭中，互聯網企業的金融化並不會給銀行帶來太大的業務壓力，但是其對交付渠道和交易模式所形成的顛覆對銀行來說才是最大的挑戰，因此各家銀行也都在搭建自己的平台，先行把握渠道主動權。” 中國社科院金融研究所銀行研究室主任曾剛表示。　　因此，模式選擇上的猶疑並沒有阻止各家銀行在此方面的投入，不管是大型銀行，還是中小型銀行都對電子商務趨之若鶩。中信銀行去年成立了網絡銀行，主要針對電子商務、移動支付和網絡貸款等會重點突破；在剛剛結束的2013年年中工作會議上，工行董事長姜建清表示，工行將加快構建網上購物、投資理財、網絡融資、消費信貸于一體，“支付+融資”的綜合電子商務平台；中行也曾表示，電子商務雲服務、O2O服務模式（線下業務線上推廣）、移動電子商務解決方案、電商社區化平台以及在線融資平台服務將是中銀電商未來的發力重點。　　“現在銀行做電商化的方向是一致的，但是起點不同，所選取的路徑不同，最後的效果也會不盡相同。”付育表示。但重要的一點則在於，銀行做電子商務跨界的幅度很大，因此需要量力而行。“短期來看，非自建平台的模式門檻比較低，在模式尚不清晰的情況下，中小銀行選擇間接進入，是一個比較明智的選擇。”　　金麟也表示：“對於小銀行來說，自建平台不僅投入太大，而且受限于自身的資源稟賦，平台流量和規模都不會很理想。”同時，金麟也認為，一些具有集團背景的銀行，則可以參考民生電商的模式，比如中信集團，光大集團下面設立電子商務公司，集團內部證券、信托等多個金融機構可以與之對接。　　曾剛強調，在互聯網金融越來越熱的氛圍下，銀行的電商衝動則更需要冷處理，而不要盲目跟風。　　“一個是高富帥，一個是競爭很激烈的電商行業，互聯網企業和銀行的本質完全不同，其風控管理也不一樣，在這種情況下，銀行在跨界中也要有不同的定位，大而全未必是好的。”曾剛表示，各家銀行應該判斷電商化跟自身的能力和資源是否匹配，並且以現有業務優勢為突破口，首先進行內部資源的整合。　　以民生電商為例，金麟判斷，未來民生銀行如果與其進行消費金融方面的探索則很難突破，而在民生銀行一直保持領先的小微金融和產業鏈金融上就能夠發揮更大的協同作用。“因為前者的零售客戶群並不占優勢，因此民生電商開展‘類淘寶’的平台優勢不大。”　　這也是銀行在電商化的過程中要特別注意的。招行信用卡中心總經理劉加隆此前指出，招行不會做淘寶式的電商，招行只做標準化的電商產品，只做與主營業務高度相關的電商。比如，招商銀行主推的“出行易”則是類攜程的平台，其中所涉及的差旅出行服務與招行的商務卡具有很高的黏合度。　　“銀行做跨界並不是簡單的多元化，而應該是整體戰略的一個延伸。”金麟表示。自存倉

Source: The Buffalo News, N.迷你倉新蒲崗Y.Aug. 10--Tyler Manley is one of three members on the five-member Massachusetts Avenue Project staff who majored or minored in philosophy.How did his University at Buffalo degree prepare him for his job?"How did it not?" he says. "Not only are we creating a local food system, growing food right in the city, we're changing how people think about food."Manley, 25, grew up on a sheep farm in Ossian, outside Dansville, and cooked at Flour City Restaurant, once owned by his father, Jerry, in Rochester. He started as an AmeriCorps worker in 2010 at MAP, an urban farm that is helping to redefine nutrition on Buffalo's West Side, and became the Mobile Market director for the nonprofit last year.MAP shares a headquarters with PUSH Buffalo in the Grant Street Community Center, but most of its work takes place at its "barn" at 389 Massachusetts Ave., where an agricultural program for teens, called "Growing Green," flourishes.The farm -- the equivalent of 11 1/2 city lots -- sits across the street from a park, alongside a vacant house, and is home to a rain catching system and 41 hens. More than 75 varieties of fruits and vegetables are grown on the grounds and in a pair of greenhouse sheds, one of which is aquaponic and contains 25,000 tilapia."We sell the fish to the community, alive and whole," Manley says.What is your job?To plan all of the sales of our food from the farm. We go to four different sites around the city every week: ELIM Christian Fellowship, 70 Chalmers Ave., from 4:30 to 6:30 p.m. Thursdays; Albany and Herkimer streets from 11 a.m. to 1 p.m. Fridays; Neighborhood Health Center, 155 Lawn Ave., 3 to 5 p.m. Fridays; and outside the Growing Green barn from 3:30 to 6:30 p.m. Tuesdays and 10 a.m. to 1 p.m. Saturdays.Because we can't sell on public property, we sell on private property and make partnerships with these sites. I'm in charge of having contact people for every site and telling them each week what we're going to have, doing the marketing for each location. I do the marketing here at our stand. So I price the food, I do all of the record-keeping. I do market education. I teach salesmanship to teenagers. We teach target markets, entrepreneurship, starting your own business, one-on-one sales, how to greet customers. We also do cooking classes with the kids and I do education.I make it known that I know how to cook everything that we sell five different ways. People think they don't like vegetables, they just might not like how it was cooked.How many different languages do you hear spoken?A lot, definitely. We have kids from Africa.迷你倉出租We have Burmese, Somalia, Sudan, Zambia, a lot of Spanish, too. It can be crazy. For instance, one of our mobile sites is across from a refugee English-as-a-second-language school. The teachers, for projects, will ask their kids to come to me and ask how much certain things are. I'm always so surprised at how much you can get through with hand motions, pointing, counting the currency.What are the popular sellers?Things that people recognize. They know what tomatoes are, they know what green beans are, they know what apples are, lettuce. In certain neighborhoods, we'll sell more chili peppers and jalapeno peppers. Harder sells would be kohlrabi, celeriac, radicchio, things that people aren't really used to, but I always give away recipes and free samples.Do you get grant money for this?We have grants and foundations. We also do fundraising. Every year, we have a big event called the Tour de Farms, which is about a 30-mile bike ride from the city to the country -- Oles Family Farm (in Alden). So we have four urban farms in the city, four farms in the country, then there's a big harvest festival at the Oles Farm. There's music and local beer, food. (This year it's Sept. 14; for more info, visit tourdefarmsbuffalo.org.)So you're not making a profit on what you sell?No. In fact, everything we sell is super cheap. The most expensive thing we sell is probably blueberries, any fruit. The most expensive vegetables we sell are about $2. Our tomatoes are four for $1; our peppers are two for $1. We accept food stamps and FMNP checks, which is a farmers' market program.A lot of people ask us to come to farmers' markets, but we purposely don't come to farmers' markets because our food's so cheap. Because we're a nonprofit, we're about access, we're about education. We don't want to undercut farmers who are trying to make a profit. ... It's really hard to make money being a farmer these days.We purposely don't give our food away free. I teach our kids that, too. If things are free, people tend to take more than they really need. But also, we want to make people know that food has value. It isn't something that just gets handed to you. I really do think that going into a low-income neighborhood and giving away things for free has its place, but we should be empowering people to support their family.Find out more about MAP and its diverse customer base at The Refresh Buffalo Blog at BuffaloNews.com.email: refresh@buffnews.comCopyright: ___ (c)2013 The Buffalo News (Buffalo, N.Y.) 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