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吉大三院人流价格表长岭县保胎哪家医院最好的When investors shop for mutual funds, they often consider the methods the managers use to select stocks. But there#39;s another side to that coin that also merits attention: How do the managers decide which stocks to sell - and when to sell? 当投资者选购共同基金时,他们通常会考虑基金经理用来选择股票的方法。但还有另一个方面值得注意:基金经理如何决定卖出哪些股票──以及何时卖出? A thoughtful, consistent approach to selling shares is just as important to a fund#39;s success as the same qualities in purchasing stocks. After all, errant sell decisions are lost opportunities for returns. 对于基金的成功来说,以经过成熟思考而且前后一致的方法卖出股票和以经过成熟思考而且前后一致的方法买入股票同样重要。毕竟,错误的卖出决策就是丧失收益机会。 #39;If you can have some type of structure within your process to make sell decisions or consider sell decisions, that keeps you one up on your competition,#39; says David Rolfe, chief investment officer at Wedgewood Partners Inc. in St. Louis and lead portfolio manager of the RiverPark/Wedgewood fund. 圣路易斯(St. Louis)Wedgewood Partners Inc.的首席投资长、RiverPark/Wedgewood基金的首席投资组合经理戴维#8226;罗尔夫(David Rolfe)说,;如果你在做出卖出决策或考虑卖出决策的过程中依循某种条理,那么这会让你在竞争中取胜。; Deciding what to sell is #39;one of the most difficult things for any investor,#39; he says. Sometimes it#39;s a matter of parting with a holding that has served the portfolio well for years but has little potential for additional gains. Other times, the fund manager has to acknowledge that he or she made a mistake in buying that security in the first place. 他说,确定卖出哪只股票是;任何投资者需要做出的最困难的决定之一;。有时这要抛弃多年来在投资组合中表现良好但不太有可能获得更多收益的股票。还有些时候,基金经理必须承认,他在一开始买入该券时就犯了错误。 Many fund managers provide a fair amount of insight into both sides of the investing equation in prospectuses, shareholder reports and other communications. We spoke to a handful of managers to discuss how they make the decision to sell. 在招股说明书、股东报告和其他信息中,许多基金经理对于买入和卖出决策都提供了相当多的见解。我们与几位基金经理讨论了他们是如何做出卖出决策的。 In With the New, Out With the Old 弃旧迎新 Mr. Rolfe and his team at RiverPark/Wedgewood manage a portfolio that forces them to regularly make decisions on which stocks to sell, because by policy the fund holds only 19 to 21 stocks. #39;My partners and I know that while we are looking at new ideas we are going to have to sell a position#39; to make room for any addition, he says. #39;That makes us constantly focused on those ideas in a portfolio that aren#39;t working out as well.#39; 罗尔夫和他在RiverPark/Wedgewood的团队管理的投资组合迫使他们必须定期决定卖出哪些股票,因为按照政策这只基金只能持有19只至21只股票。他说,;我的合作伙伴和我知道,当我们考虑新策略时,我们必须卖出某只股票;好为新加入的股票腾地方,;这让我们必须持续关注那些效果不好的投资组合策略。; They pull the trigger when a buying opportunity provides a better long-term growth outlook than something that#39;s aly in the portfolio. 当买入机会的长期增长前景优于投资组合中的现有股票时,他们就会采取行动。 Two examples of stocks his firm sold in recent months to make space for new positions are Goldman Sachs Group Inc. and UBS , victims of what Mr. Rolfe calls a #39;very difficult banking and investment environment.#39; 举例而言,他的公司在最近几个月中为给新股票腾地方而卖出的两只股票是高盛集团(Goldman Sachs Group Inc.)和瑞银集团(UBS ),罗尔夫称它们是;非常困难的业与投资环境;的牺牲品。 #39;We thought they were the least attractive stocks in our current portfolio,#39; he says. #39;We sold them because we found a much better idea.#39; The two banking stocks were replaced with the shares of a couple of oil firms: National Oilwell Varco Inc. and Schlumberger Ltd. 他说,;我们认为它们是我们当前的投资组合中最不具吸引力的股票。我们卖掉它们,是因为我们找到了好得多的策略。;这两只股被两家石油公司的股票取代:国民油井华高(National Oilwell Varco Inc.)和斯伦贝谢公司(Schlumberger Ltd.)。 Acknowledge Your Mistakes 承认错误 Periodically - and especially when a stock is proving to be disappointing - it#39;s important for fund managers to go back and review the assumptions that were made at the time of purchase. 基金经理定期──尤其是当一只股票被明令人失望时──回过头重新审视购买时做出的假设是很重要的。 #39;The hardest thing for investment professionals to come to grips with is when they have misanalyzed a stock,#39; says Phil Davidson, chief investment officer for value stocks at American Century Investments in Kansas City, Mo. 密苏里州堪萨斯城(Kansas City)American Century Investments负责股票估值的首席投资长菲尔#8226;戴维森(Phil Davidson)说,;专业投资人士最难应对的是他们错误分析了股票的时候。; He gives an example of when that happened at his firm. His American Century Mid Cap Value began building a position in Best Buy Co. in the third quarter of 2010, with most of the buying occurring in July of that year. Purchases were primarily in the low to mid s. But by the second quarter of last year, the fund began to sour on the stock and started selling, initially in the low s. It was out of the stock by the fourth quarter, with the final selling taking place in November, when the stock was in the to range. For the past few months, the stock has been trading in the to range. 他举了个发生在他公司的例子。2010年第三季度,American Century Mid Cap Value基金开始买入百思买(Best Buy Co.)的股票,多数买入发生在当年7月。买价主要为30美元至40美元之间的中低位。但到了去年第二季度,该基金开始看跌该股票并开始卖出,初始卖价是30美元出头。到了第四季度,该基金对该股票清仓,最后一次卖出发生在11月,当时该股票的价格为26美元至27美元。在过去几个月,该股票的交易价格为17美元至20美元。 #39;The company had good free cash flow in a very dynamic retail world. But we underestimated the changes in the competitive landscape and how much the company would be hurt by that,#39; Mr. Davidson says. Best Buy#39;s big-box stores were seen as the category killer for a while, pushing out competitors such as Circuit City Stores Inc. But Best Buy more recently has lost business to online retailers that can offer more selection and often lower prices. 戴维森说,;这家公司在瞬息万变的零售业中有良好的自由现金流。但我们低估了竞争环境的变化以及这家公司因此受到的伤害。;百思买的仓储式商店一度被视为品类杀手,它挤出了Circuit City Stores Inc.等竞争对手。但最近百思买的生意被能提供更多选择、通常还能提供更低价格的网络零售商抢走。 It may seem obvious to sell a stock that isn#39;t meeting expectations, but the decision is more complicated than that, Mr. Davidson says, #39;because we never know for sure whether it#39;s permanent.#39; 戴维森说,卖出一只不符合预期的股票似乎是显而易见的决定,但这个决定比表面上要复杂。;因为我们永远无法确知它是否会永远这样。; Think About What#39;s Fair 考虑公允价值 In looking at stocks to buy, many investment pros estimate a fair value for the shares, based on factors including the company#39;s earnings, the rate of revenue growth and the multiples of earnings at which the shares of companies in a particular industry are trading. Fund managers generally aim to buy at a discount to fair value, and many have selling rules linked to that fair value, which is a figure that may change over time. 在考虑买入哪些股票时,许多投资专家都会根据一系列因素估计股票的公允价值,包括公司收益、收入增长率和特定行业中公司股票的市盈率。基金经理的目的通常是以公允价值的折价购买股票,而许多基金经理秉持和该公允价值相关的卖出规则,这个价值是一个可能随时间推移而变化的数字。 For Andy Jung, co-portfolio manager for Aston/Montag amp; Caldwell Mid Cap Growth in Atlanta, a position becomes a candidate for trimming when the stock reaches 100% of his firm#39;s estimate of its fair value. #39;Then at 120% of our price target we have to take action in terms of reducing or in many cases eliminating the position outright,#39; he says. #39;The upside potential at that point is not as significant as the downside potential should the fundamentals falter.#39; 对亚特兰大Aston/Montag amp; Caldwell Mid Cap Growth基金的联席投资组合经理安迪#8226;容(Andy Jung)而言,当股票达到他的公司对其公允价值估计的100%时,这只股票就成为了被剔除的候选股。他说,;当它达到我们的价格目标的120%时,我们就必须采取行动减少头寸,在许多情况下还要剔除头寸。如果基本面衰退的话,此时上涨可能不如下跌可能那么大。; Sometimes the selling starts before the 120% threshold, as it did this year for Aston/Montag amp; Caldwell#39;s holdings of Fluor Corp. 有时,卖出行为在120%的临界值之前就开始了,正如Aston/Montag amp; Caldwell今年对持有的福陆公司(Fluor Corp.)股票所做的那样。 #39;The stock had a nice run from mid-December at to February at almost ,#39; Mr. Jung notes. #39;Our very first purchase of the stock [was] in the summer of 2007, and we had a number of entry points. We exited the entire position on the assumption that at it was fully valued and because we were concerned it didn#39;t have the momentum given economic concerns.#39; 容指出,;这只股票有一轮漂亮表现,从12月中旬的47美元涨到了2月的将近65美元。我们首次购买该股票[是]在2007年夏天,而且有多个买入点。根据65美元充分体现出该股票价值的假设,我们退出了整个头寸,因为我们担心经济出现问题时它会失去动力。; A Minimum Return 最低收益率 When buying shares, Clint Harris, a senior client portfolio manager for the Invesco Diversified Dividend fund in Houston, looks for stocks that he thinks can deliver at least a 35% total return over two years and that have upside potential that is at least three times their downside potential. When a stock he#39;s holding realizes this upside potential, it becomes a sell candidate. 休斯敦的Invesco Diversified Dividend基金的高级客户投资组合经理克林特#8226;哈里斯(Clint Harris)购买股票时,会寻找他认为能在两年中提供至少35%的总收益率、且上涨可能至少是下跌可能三倍的股票。当他持有的股票实现了该上涨潜力时,它就变成了卖出候选股。 Take, for example, DuPont Co., a stock the fund held since 2006 but sold in February. 杜邦公司(DuPont Co.)就是一个例子,该基金从2006年起就持有该股票,但在2月份将其卖出。 Mr. Harris and his team saw red flags when Wall Street analysts issued estimates of DuPont#39;s earnings that were higher than the Invesco team#39;s. #39;That tells me the potential upside for the stock is a bit limited,#39; he says, because the company#39;s earnings could disappoint investors who are guided by the Wall Street estimates. 当华尔街分析师发布的杜邦公司收益估计高于Invesco团队的估计时,哈里斯和他的团队看到了警告信号。他说,;这告诉我,这只股票的上涨潜力有一定限制。;因为这家公司的收益可能会让受华尔街估计数字引导的投资者失望。 And that meant the stock no longer offered the upside the fund looks for. DuPont had more than met the fund#39;s criteria since the time of purchase, he says, but #39;now it is time to move on elsewhere.#39; 这意味着该股票不再能提供该基金期望的上涨潜力。他说,自从购买杜邦公司股票时起,它的表现已经超过了该基金的标准,但是;现在是时候投资别的股票了。; /201208/196189南关区中心医院门诊部电话 It’s 2 AM. You’ve been trying to fall asleep for the past two hours。凌晨2点。在过去的两小时里,你一直想睡着。 You drift in and out of light sleep, not really able to reach that deep, restorative sleep you need to prep you up for the day that is to come。你徘徊在似睡若无的边缘,不能达到沉睡的状态。而你需要一个安稳觉来恢复体力,好迎接第二天的到来。After tossing and turning for a while, you check the time, only to find out that it’s aly time to get up. The whole night went by and you didn’t get an ounce of sleep。在辗转反侧一会儿之后,你看了看时间,发现已经到起床的时间了。整个夜晚过去了,你却没睡上一会儿觉。Definitely not a good way to start your day. Sound familiar? If it does, then make sure to check out the best 7 tips that will help you boost the quality of your sleep, overnight。以这种方式开始一天,绝不是一个好兆头。听起来熟悉吗?如果是这样,那么一定要看看以下7个最好的小贴士,它们将帮助你提高睡眠质量。1. Have a Sleep Journal做好睡眠记录Any good old notebook will do the trick. Inside you’ll log the time you went to sleep, the time you woke up and the total sleep time。任何一本好的旧笔记本都可以。在这本子里,你可以记录什么时候上床睡觉,什么时候起床,还有总共睡了多久。Keep that notebook close to your bed since this is the last thing you want to do before you fall asleep and the first thing you want to do when you wake up. With a sleep journal you’ll be able to do two things:把笔记本放在床头附近,因为做笔记是你睡觉前要做的最后一件事,也是你醒来后要做的第一件事。有一本睡眠记录册,你能做两件事:You’ll get a clear cut view of what’s your average bedtime, wake up time and your sleep length。你将清楚地了解到平常你几点入睡,几点醒来以及睡眠时间。With the help of the intel in your sleep journal it’ll be much easier to develop a healthy sleeping schedule。有了睡眠记录册里的信息,完善一份健康的睡觉时刻表会更容易。2. Go to Sleep Early早点睡This is one of those obvious tips that no-one seems to follow。这是最浅显易懂的一条建议,但似乎没人遵循。Our bodies are geared to hit the hay as soon as the sun sets. A good rule of thumb is to go to sleep before midnight, where 10pm is seen as a sweet spot for most。当太阳落山时,我们的身体就准备着要上床睡觉了。一条黄金法则是在午夜前入睡。对大多数人来说,最佳上床睡觉时间在10点钟。And I bet you#39;ve heard this before … one hour of sleep before midnight is worth more than two hours after midnight。我打赌之前你也听说过这种说法:午夜前的一小时睡眠抵得过午夜后的两小时。3. Eliminate Distractions减少干扰源There are 3 types of distractions you need to get rid of to get a good night’s sleep. They are:为了有好的睡眠质量,你需要摆脱的三种干扰是:Distractions for the Mind - internet, TV, Xbox, smartphone, etc. Shut that stuff down at least 1 hour before bedtime so that your mind can zone out。对思想的扰乱,比如网络、电视、游戏机、手机等等。至少在睡前一小时,把它们全部关闭,这样大脑才有片刻清闲。Distractions for the Eyes - kill all sources of bright light. This includes modems, routers, smartphones and yes, even the moon. Switch off the tech stuff and roll out the blinds to block the moon rays. Wear a sleep mask if you have to。对眼睛的扰乱,屏蔽所有亮光来源,包括调制解调器、路由器、手机,甚至是窗外的月光。关掉这些电器开关,放下百叶窗阻断月光的照射。如果有需要戴上眼罩。Distractions for the Ears - kill the noise with some soft foam ear plugs。对耳朵的扰乱。戴上软式泡沫耳塞,屏蔽噪声。4. Be Physically Active让身体活跃起来Any kind of physical deed that will get your heart rate up will do a great deal of good when it comes to upping the quality of your sleep。如果要提高你的睡眠质量,任何一种增加心脏跳动频率的身体运动都会起到很大作用。Do what you love the most - it could be parkour, soccer, weight lifting or even a light afternoon stroll in the park。做你最喜欢的运动——可以是跑酷、足球、举重,甚至是傍晚在公园里漫步。But make sure you’re not doing hard-core physical stuff right before bedtime。但是要保在睡觉前你做的不是剧烈运动。5. Have Clean Bed Linen清洁被单和枕套If your bed feels, smells and looks like an Alien nest, then it’s time for you to bust out some clean bed linen。如果你的床看起来闻起来感觉像是外星人睡的床一样,那你就要换一床被单和枕套了。This is one of the best things you can do to boost the quality of your sleep。为了提高你的睡眠质量,这是你能做到的其中一件。Change bed linen once a week and if you can, change the pillowcase daily。如果可以,每周换一次被单,每天换一次枕套。6. Avoid Coffee and Other Stimulants不喝咖啡和其它含兴奋剂的饮料Try not to drink coffee, red bull, green tea and stuff like that at least six hours before bedtime。至少在睡觉前6小时,尽量不喝咖啡、红牛、绿茶等含兴奋剂的饮品。Even if you can fall asleep with no trouble after drinking two cups of coffee right before you head out to bed, don’t do it。即使你喝两杯咖啡后还能轻易入睡,也不要这样做。Caffeine and other stimulants, right before bedtime, will mess with your melatonin production and your deep sleep。在睡前饮用的咖啡因和其他兴奋剂会扰乱褪黑激素的生成及影响你的深度睡眠。7. Deep Breathing深呼吸While in bed trying to fall asleep, focus on taking deep, long breaths。当你躺在床上想要入睡,请集中精力在呼吸上,做深而长的呼吸。Inhale slowly, exhale slowly. Deep breathing will keep your mind in the now and away from future worries and past regrets. I know this may sound like some new-age fluff, but deep breathing really works。慢慢吸气,慢慢呼气。深呼吸会让你着眼当前,使思想远离未来的忧虑与过去的遗憾。我知道这一点都不新奇,但深呼吸真的有用。In the end, if you want to sleep like a log every night, you’ll have to take good care of your health。最后,如果你想要睡得很熟,你就需要好好顾着你的身体健康。The 7 tips I talk about here are just the beginning. A sound diet and a smart workout plan will go a long way to make your sleep bulletproof。我在这里谈到的7个小贴士只是一个开始。要想睡个安稳觉,均衡的饮食与科学的健身也起到很大帮助。 /201508/391789长春市儿童医院客服咨询

吉林二院官方网长春八一医院收费好不好 新加坡《联合早报》记者:我想请问关于“十二五”规划的问题。我们留意到中国的知识界对于“十二五”规划给予了很高的评价,认为它为中国的未来指明了更好的方向。但是中国有一句话叫知易行难。转变经济增长方式这个概念从上个世纪90年代中期一直提到今天,请问温总理,您认为“十二五”规划要得到真正地实施,真正地贯彻落实,最难的地方在哪里?Lianhe Zaobao of Singapore: My question is about the 12th Five-Year Plan. We have seen that the academic community has spoken highly of this plan, holding the view that it charts the course for China#39;s future development. But we also know that as the Chinese saying goes, ;It is easy to identify a problem, but difficult to act on it;. The concept of transforming the economic development pattern has been repeatedly mentioned since the middle of the 1990s. Mr. Premier, what poses the biggest difficulty in ensuring the effective implementation of the 12th Five-Year Plan?温家宝:你提到转变发展方式知易行难,最难难在什么地方?我以为难在两个方面:一是观念,一是创新机制和干部考核的标准。所谓创新机制,就是要建立和完善鼓励科技进步、人才成长的机制,决定一个国家发展的主要在教育和科技。我一直强调,中国的振兴不单在经济总量,根本在人才和科技进步。通过改革促进产学研的结合。我以为有两个数字比GDP更为重要,一是教育经费占国内生产总值的比重;一是研发经费占国内生产总值的比重。这两条就决定了我们这个民族和国家的创新力量,这才是最有力、最持久、最可靠的发展因素。所谓观念,就是要彻底转变唯GDP的观念。推动经济社会发展,改善人民生活,需要不断地增加经济总量,但是这种总量的增加不能以过度地消耗资源、能源和污染环境为代价。那样不仅不可持续,而且会给我们子孙后代造成影响。与它相关的就是干部政绩的考核。我以为对干部政绩的考核,不仅要看一个地区的经济总量,而且要看经济与社会发展的协调,社会事业的发展和社会的进步,公平正义和人民生活的改善。如果不彻底从根本上解决这两条,我们现在制定的规划也是难以实现的.Premier Wen Jiabao: We have set the goal of transforming China#39;s economic development pattern. As you rightly put it in your question, it is easy to identify a problem, but it is difficult to act on it. You asked what poses the biggest difficulty in implementing the plan. The difficulty lies in two aspects. One is about the mindset. The other is innovation mechanism and criteria for evaluating the performance of government officials. With respect to innovation mechanisms, it is important to establish and improve mechanisms for encouraging science and technology advances and cultivating talents, as education, science and technology play an essential role in the development of a country. I have always emphasized that to achieve China#39;s revitalization, it is not just about how big the economy is. It is also, and more importantly, about the quality of our human resources and how much progress we have made in science and technology development. It is important that we carry out reform to combine the efforts of the industry, the academia and research institutions. I believe two figures are even more important than the GDP. One is the proportion of expenditure on education in GDP and the other is the proportion of research and development expenditure in GDP. Both determine the innovation capabilities of our country. They are the strongest and most reliable source of China#39;s sustained development. With respect to the mindset, it is important that we abandon the GDP worship mindset. To promote economic and social progress and improve people#39;s livelihood, it is important to grow the economy. However, our economic growth must not come at the expense of over-consumption of resources and energy and environmental pollution. That kind of development is not sustainable and will bring adverse impact to our children and grandchildren. A related aspect is the evaluation system for government officials#39; performance. We need to ensure that in evaluating their performance, we take into account not only the economic aggregates of the places where they work but also whether there is coordinated economic and social development, whether social programs have been advanced, whether social fairness and justice have been promoted, and whether the people are leading a better life. If we do not address these two aspects fundamentally, it will be difficult for us to achieve the full implementation of our plan. /201204/178584双阳区妇幼保健医院门诊收费

吉林省长春妇幼保健医院开展无痛人流吗;I#39;M a little embarrassed,; Liu Jing leaned in closer and lowered her voice,revealing for the first time a hint of discomfort since the topic of credit cards had been broached.“我有点不好意思,”刘静靠在柜台上放低声音说,自信用卡问题被提出以来第一次暗示不适。Liu was born in Henan. After four years at the university she landed a position as a junior executive at a digital advertising firm. 刘出生在河南。经过四年大学她谋得了数字广告公司初级主管的一个职位。As a junior executive, she netted 5,000 yuan (US0) a month after taxes. From this, she paid 2,000 yuan per month in rent for a shared flat near Beijing#39;s fourth ring road. This left her with 3,000 yuan a month in disposable income, or 100 yuan a day.作为一个初级管理人员,她税收后一个月赚5000元人民币(合800美元)。从中她每月要为北京四环路附近合租的房子付2000元的房租。这每个月给她留下3000元的可配收入,或100元一天。With this sum, she had to cover her remaining living expenses. She was hard-pressed to make ends meet.这么一点儿钱,她必须兼顾到她剩下的生活开。她很难使得收平衡。At this moment, a friend recommended that Liu apply for a UnionPay credit card from one of China#39;s large state-owned banks.这时,一个朋友建议刘向中国的大型国有申请银联信用卡。At first, Liu used the card to make ends meet.起初,刘使用这张信用卡还能使收平衡。But as time went on, the allure of this ;extra; income and the social benefits it allowed compelled Liu to slowly increase her borrowing. She soon discovered that borrowing is a slippery slope.但随着时间的推移,这份“额外”收入的诱惑以及其允诺的社会福利迫使刘慢慢增加着她的借贷。她很快发现借款是一项滑坡谬误。After using the card for one year, she had accumulated debt of 15,000 yuan, or three times her previous monthly income. She had no plan for paying off the balance.在使用信用卡一年之后,她已经累积债务15000元,是她以前月收入的三倍。她没有计划偿还借贷。Since being introduced in 1985, the number of credit cards issued in China has grown at an astonishing rate, reaching 285 million in 2011, five times the number in 2006. Growth has remained consistently high and is expected to continue at 31 percent per year over the next five years.自从在1985年被介绍进来,信用卡在中国的发行数量以惊人的速度增长,在2011年达到2.85亿,这一数字是2006年的5倍。增速仍持续走高,预计在接下来的五年将继续以每年31%的速度增长。According to the 2012 Chinese Credit Card Industry Bluebook, US.2 trillion of purchases were made with credit cards in China in 2011, a year-on-year increase of 48 percent.根据2012年中国信用卡行业蓝皮书,中国在2011年有1.2万亿美元的购买是通过信用卡付的,比去年同期增长48%。Over the next decade, the country is expected to become the largest credit card market in the world by number of issued cards, overtaking the ed States.在接下来的十年,通过发行的信用卡数量中国预计将成为世界上最大的信用卡市场,超越美国。Although the figure is high, it is worth noting that in China, credit cards are still used mostly for large-ticket items, while cash is still the predominant payment method for smaller purchases. Indeed, one study on credit card holders in Shanghai showed that 80 percent of purchases below 100 yuan are made with cash.虽然这个数字很高,但值得注意的是,在中国信用卡仍主要用于大件商品,对于小型购买现金仍然是主要的付方式。事实上,一项对上海信用卡持有者的研究表明100元以下的购买80%是使用现金。Changing attitude改变的观念Despite these optimistic growth projections, China#39;s cash-centric consumer culture and traditional beliefs about personal finance have meant that consumers are resistant to change, thus slowing the adoption of electronic payment methods.尽管有这些乐观的增长预期,中国以现金为中心的消费文化和对个人理财的传统信仰意味着消费者抗拒变革,从而缓慢采用着电子付方式。Many of these cultural beliefs stem from Confucian values, which see borrowing as shameful because it means living beyond one#39;s means.这些文化信念很多是源于儒家价值观,视借贷为可耻的,因为这意味着生活不自足。However, Western consumption-driven lifestyles are finding their way into China, especially among the youth.然而,西方消费驱动型的生活方式正在逐渐进入中国,特别是青年之中。This is demonstrated by the materialization of a new class of yue guang zu, those ;with no savings at the end of the month.; This group includes young urban students and professionals under 35, largely in first and second tier cities, who have begun to abandon some of the cultural taboos surrounding borrowing money in order to fund their modern, highly consumerist lifestyles, in some cases spending well beyond their means.这由那些“月底没有储蓄”的新阶层“月光族”的物质化来实。这一群体包括年轻的城市学生和35岁以下的专业人员,主要在一二线城市,他们已经开始放弃一些文化禁忌,通过借钱来付他们现代高消费主义的生活方式,某些情况下开远远超出他们的能力。Many of these changes in the cultural attitude toward credit have been driven by aggressive marketing by banks issuing credit cards, which offer rewards, discounts and so on to encourage spending.这些对信用卡的文化态度的变化很多是由积极的信贷市场所驱动,通过发行的信用卡、提供奖励、折扣等来鼓励消费。 /201301/219849 双阳区疏通输卵管多少钱吉大一院妇科华

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