别装了！细数五个“伪理财”行为

*有些人“为了记账而记账”，只知道一味地将每天的各项开支记录下来，完全不会去分门别类仔细罗列，也不会定期查看账本进行总结，这类人记的就是流水账。

*那么，对于正确的记账方法，嘉丰瑞德理财师认为要有规划地记录开支，将各项消费支出都罗列清楚，比如饮食类消费为多少？服饰类消费为多少？而近期的交通费又如何？然后以周或者月作为一个周期，及时反思近期的消费情况，查找出账本中那些没必要的支出，并在下一周期进行消费结构的调整，这样才能够“精益求精”，在精打细算的生活中有效地节省资金。

*嘉丰瑞德理财师建议“收不住心”的理财者可抽取30%-40%的资金强制进行稳健投资，配置固定收益类理财产品。

*嘉丰瑞德理财师分析认为，这种“伪理财”行为完全是出于虚荣心，不管是因为担心自己拙劣的“菜鸟”技巧被他人嘲笑，还是喜欢享受众人的崇拜目光，这种行为不可取。在理财方面，如果理财者不能够很好地把控投资决策，那么也可以寻求财富管理机构的帮助，凭借专家团队科学的数据分析为理财者提供最全面最合适的理财方案。

*如果理财者选择了不适合自己的投资方法和策略，照搬别人的，就很可能会产生完全相反的结果，就好比信托理财产品一般都是100万元的投资门槛，若只有10万元投资本金，非得借钱做跟着他人投资，那就是自不量力了，一来理财者必须承受一定的投资理财风险；二来，也是最关键的，理财者会承受很大的精神压力，毕竟是借钱做投资，一旦失败，必将欠下很多债，甚至一辈子都还不完。

*所以，理财不可“依葫芦画瓢“，找到最适合自己的理财方案和投资策略才是正确的的。

*理财有了目标和规划，才能够清楚自己努力的方向，也才能够明确在追求财富的道路上应该如何走稳每一步。

*嘉丰瑞德理财师建议应尽早规划理财，树立合适的财富目标，制定人生每阶段的理财目标和执行方案，也是每位理财者收获财富的重要前提。

发布时间: 2015-8-26 09:48 |文章来源: 中证网

      如今，理财已经进入大众视野，成为人们一种积攒财富的有效方式，在全民理财热潮之下也不乏有一些装腔作势玩弄着“理财”的人。

　　那么，什么是“伪理财”呢？就是指采取毫无效果或是见效甚微的理财方式混在“理财队伍”之中，自以为能够发家致富赚大钱，其实呢也不过“白费了力气还不讨好”，最终什么也收获不了。对此，国内知名第三方理财机构嘉丰瑞德的理财师盘点了理财中的一些人的“伪理财”行为，来看看你有没有吧？

　　行为一：理财“为了记账而记账“

　　有些人“为了记账而记账”，只知道一味地将每天的各项开支记录下来，完全不会去分门别类仔细罗列，也不会定期查看账本进行总结，这类人记的就是流水账。通过流水账来自认为自己理财了，其实根本就没有什么成效，这就叫自欺欺人。

　　理财者如果不去重视记账这项工作，仅仅只是为了完成工作而求“心安理得”，那么建议还是别白费功夫了！那么，对于正确的记账方法，嘉丰瑞德理财师认为要有规划地记录开支，将各项消费支出都罗列清楚，比如饮食类消费为多少？服饰类消费为多少？而近期的交通费又如何？然后以周或者月作为一个周期，及时反思近期的消费情况，查找出账本中那些没必要的支出，并在下一周期进行消费结构的调整，这样才能够“精益求精”，在精打细算的生活中有效地节省资金。

　　行为二：理财爱“喜新厌旧”

　　有些人就是属于特别“耐不住”寂寞型的，喜欢不断尝试新鲜事物而不愿意“吊死在一棵树上”，因此这类人在理财方面就不能够坚持长期投资，偏爱短期，并且一旦发现新型投资方式果断抛弃旧的，“喜新厌旧”在这类人的身上体现得淋漓尽致。不过一个众所周知的事实是：一般而言，投资期限越长收益率才会越高。而且像这种喜新厌旧的“伪理财”行为还很容易踩到“雷区”，因为新型的投资理财方式毕竟还没有经过前人的投资试验，这种方式是否真的能够高效“生钱”也不得而知，所以理财者极容易亏损钱财，得不偿失。嘉丰瑞德理财师建议“收不住心”的理财者可抽取30%-40%的资金强制进行稳健投资，配置固定收益类理财产品。这样，就算将剩余资金进行“花样”投资，那么即使亏损巨资至少也不会面临倾家荡产的威胁。

　　行为三：理财是“不懂装懂”

　　总有这样一些人自诩为“理财达人”，表面上倒是装作一副“啥都懂”的样子，事实上对理财根本就没有进行过深入学习，在没有熟练掌握相关技巧的前提下就贸然投资，实际上却只知道一味跟风，盲目追求他人的投资，这就叫“不懂装懂”。嘉丰瑞德理财师分析认为，这种“伪理财”行为完全是出于虚荣心，不管是因为担心自己拙劣的“菜鸟”技巧被他人嘲笑，还是喜欢享受众人的崇拜目光，这种行为不可取。在理财方面，如果理财者不能够很好地把控投资决策，那么也可以寻求财富管理机构的帮助，凭借专家团队科学的数据分析为理财者提供最全面最合适的理财方案。当然，个人的努力也是不可或缺的。俗话说“笨鸟先飞”、“勤能补拙”，认真钻研投资理财知识，增强个人的实际“战斗力”，方能开创灿烂的财富人生。

　　行为四：理财“依葫芦画瓢“

　　“依葫芦画瓢“，说的是一些理财者，由于自己对理财不懂，但又眼红别人能通过投资理财让钱生钱，于是便刻板地照搬别人的投资方法和投资策略，还高兴地认为自己找到通往财富的捷径。实际上，这样的理财者已离财富越来越远。为什么？因为如果理财者选择了不适合自己的投资方法和策略，照搬别人的，就很可能会产生完全相反的结果，就好比信托理财产品一般都是100万元的投资门槛，若只有10万元投资本金，非得借钱做跟着他人投资，那就是自不量力了，一来理财者必须承受一定的投资理财风险；二来，也是最关键的，理财者会承受很大的精神压力，毕竟是借钱做投资，一旦失败，必将欠下很多债，甚至一辈子都还不完。所以，理财不可“依葫芦画瓢“，找到最适合自己的理财方案和投资策略才是正确的的。

　　行为五：理财“无目标和规划”

　　理财有了目标和规划，才能够清楚自己努力的方向，也才能够明确在追求财富的道路上应该如何走稳每一步。但是却有不少人忽视制定理财目标和规划的重要性，在理财过程中就会像无头苍蝇一般“乱撞”，喜欢看心情“点兵点将”,随便尝试投资理财的方式，这种毫无目标，毫无规划的“伪理财”行为不仅对财富的增加毫无作用，而且还有可能“迷迷糊糊”地掉入金融陷阱，导致损失惨重。如果你有此行为，嘉丰瑞德理财师建议应尽早规划理财，树立合适的财富目标，制定人生每阶段的理财目标和执行方案，也是每位理财者收获财富的重要前提。

　　别装了！以上五个“伪理财”行为，你有吗？若有，赶紧改正吧。

China property investment continues to slow, sales improve

*Investment in the property sector rose 5.1 percent year on year to 3.23 trillion yuan (528.21 billion U.S. dollars) from January to May, the National Bureau of Statistics (NBS) announced.

*In the January-May period, investment in residential housing posted an increase of 2.9 percent from the same period last year to 2.16 trillion yuan, down from the 3.7-percent growth registered in the first four months.

*Sales volume of commercial housing rose 3.1 percent year on year to 2.44 trillion yuan in the first five months, a decline of 3.1 percent was also posted for the first four months.

*The total floor area of sold commercial housing reached 359.96 million square meters by the end of the first five months, down 0.2 percent from the previous year.

  2015-06-11 16:38:38

BEIJING, June 11 (Xinhua) -- Investment growth in China's property sector continued to slow in the first five months of the year, while sales volume of commercial housing increased, official data showed on Thursday.

Investment in the property sector rose 5.1 percent year on year to 3.23 trillion yuan (528.21 billion U.S. dollars) from January to May, the National Bureau of Statistics (NBS) announced.

The growth narrowed from the 6-percent increase seen in the first four months, underscoring lingering weakness in the sector.

China's property market took a downturn in 2014 under the accumulative effects of measures to curb the overheated sector. The cooling trend has continued into 2015, with both sales and prices falling, and investment slowing.

In the January-May period, investment in residential housing posted an increase of 2.9 percent from the same period last year to 2.16 trillion yuan, down from the 3.7-percent growth registered in the first four months.

Sales volume of commercial housing rose 3.1 percent year on year to 2.44 trillion yuan in the first five months, a decline of 3.1 percent was also posted for the first four months.

The total floor area of sold commercial housing reached 359.96 million square meters by the end of the first five months, down 0.2 percent from the previous year. The drop narrowed the 4.8-percent decline registered for January to April.

Sales of commercial housing have picked up recently, with home prices in bigger cities posting obvious growth, said NBS senior analyst Wang Baobin. Market expectations have improved and home buyers' confidence has strengthened, thanks to a string of easing policies, Wang said.

The central government has announced a series of supportive measures this year, including lower down payments and tax exemption for some home purchases.

The central bank has cut the benchmark interest rates three times since November. The reserve requirement ratio (RRR), the amount of cash banks are required to hold as reserves, has also been cut twice this year.

Editor: Mengjie

China Focus: China's improved rural power network feeds investment

*China Southern Power Grid (CSG) has spent 2.8 billion yuan (458 million U.S. dollars) on better facilities including new power nets, voltage transformers and ultra-high voltage transmission lines. 

*The CSG announced last month that it would spend 1.63 billion yuan over the next five years on supplies to 399 impoverished villages in Yunnan, benefiting 800,000 people. 

*In central China's Hubei Province, the State Grid plans more than 13 billion yuan of upgrades in rural and suburban areas.

*The National Energy Administration announced on July 7 that it would spend 92.6 billion yuan this year on upgrades, with 20 billion yuan coming from fiscal funds and the rest financed through bank loans.

*The State Grid announced earlier this month that it would invest another 67.4 billion yuan on upgrades this year, thereby increasing industrial output by 470 billion yuan and creating more than three million jobs.

*The Shanghai Securities Journal reported on Monday that nearly 900 billion yuan worth of investment on roads, railways, airports and other infrastructure projects were approved by the National Development and Reform Commission in the first half of 2015.

2015-07-21 15:35:41

BEIJING, July 21 (Xinhua) -- With decrepit facilities and frequent repairs, power cuts were nothing out of the ordinary in Diqing Tibetan Autonomous Prefecture in southwest China's Yunnan Province.

For travelers, a visit to the region of mountains, lakes and the famous Shangri-la tourist destination, might be some sort of fun, but for those who live here, the unreliable power supply was a major headache. Power outages in some areas could last from morning till evening.

The local power company used to frequently schedule power cuts due to repairs, but the situation has improved markedly in the last decade. China Southern Power Grid (CSG) has spent 2.8 billion yuan (458 million U.S. dollars) on better facilities including new power nets, voltage transformers and ultra-high voltage transmission lines. The time of outages have declined by more than 78 percent and more than 7,000 locals who previously had no access to electricity are now plugged in.

These upgrades in this remote region epitomize broader work on the power network taking place across the nation. The CSG announced last month that it would spend 1.63 billion yuan over the next five years on supplies to 399 impoverished villages in Yunnan, benefiting 800,000 people. In central China's Hubei Province, the State Grid plans more than 13 billion yuan of upgrades in rural and suburban areas.

The central government is spending big on rural power networks. Power grid work is high on the rural agenda because it does not just improve people's lives, but sustains infrastructure investment and boosts growth. The National Energy Administration announced on July 7 that it would spend 92.6 billion yuan this year on upgrades, with 20 billion yuan coming from fiscal funds and the rest financed through bank loans.

The State Grid announced earlier this month that it would invest another 67.4 billion yuan on upgrades this year, thereby increasing industrial output by 470 billion yuan and creating more than three million jobs.

China sees infrastructure investment as a route to growth. The Shanghai Securities Journal reported on Monday that nearly 900 billion yuan worth of investment on roads, railways, airports and other infrastructure projects were approved by the National Development and Reform Commission in the first half of 2015.

Editor: Luan

东方银谷：P2P发展风控是未来

*尽量选择一些已形成一定规模的公司，分公司的数量也说明了投资者的风险保障系数。

*团队是否专业，也是投资者的保证之一。一般较完善的P2P公司，在设置财富管理团队之前还会设置具备法律法规等相关知识的专业团队。

*对借款人数据有一个全方位的审查，是对投资者稳健收益的第一个保障。

*为了充分考虑到客户的利益，一般的P2P公司都会设“风险保障金”机制，用于借款人发生逾期还款情况。

2015年08月25日 17:00 中国商业电讯网 

       近年来P2P行业发展迅猛，据网贷之家统计，2015年7月，在线2136家网贷平台，成交总量已超过825亿元人民币(6.4112, 0.0000, 0.00%)。但在P2P行业光鲜的业绩背后，借贷过程中也存在着很多不规范的企业把P2P行业的风险控制推到了风口浪尖。怎样选择P2P理财，必须要选择靠谱的风控体制才最重要。

　　据东方银谷（北京）投资管理有限公司（以下简称“银谷”）相关负责人透露，目前银谷一直把安全、稳健放在企业发展的首位。而银谷经过8年发展，已经建立了自己的一套风控体制。根据银谷负责人介绍，目前银谷一直以风险回避、损失控制、风险转移和风险保留四种基本方法来降低风险，保障资金安全。另外还通过“即时性层级风控体系”，对借款人数据进行层层梳理与全方位审查，大大降低了借款人逾期风险，形成了银谷独有的以稳健收益为主导的财富平台。

　　以目前的市场来看，我们可以从多方面来了解P2P公司的风险控制体系，具体为以下四个方面：

　　第一，公司规模：尽量选择一些已形成一定规模的公司，分公司的数量也说明了投资者的风险保障系数。

　　第二，专业团队：团队是否专业，也是投资者的保证之一。一般较完善的P2P公司，在设置财富管理团队之前还会设置具备法律法规等相关知识的专业团队。

　　第三，对借款人的严格筛选：对借款人数据有一个全方位的审查，是对投资者稳健收益的第一个保障。

　　第四，风险保障金机制：为了充分考虑到客户的利益，一般的P2P公司都会设“风险保障金”机制，用于借款人发生逾期还款情况。

　　如果以上条件都符合，那这就是一家靠谱的P2P投资平台了。面对收入稳定，长时间有闲散资金，渴望长期投资获得最高收益，为子女储备教育基金，为老人储备养老基金的客户，就可以入手一家P2P平台的理财产品了。银谷企业始终秉承“安全投资，稳健收益”的企业核心理念，相信银谷企业可以是投资者的财富增值安心之选。

China produces less early rice in 2015

*The country produced 33.69 million tonnes of "early rice," that planted in spring and harvested in early summer. 

*China's early rice planting area for this year stood at 5.72 million hectares, 1.4 percent less than last year, with yield per hectare rising 0.4 percent to 5.89 tonnes.

 2015-08-21 18:34:13

BEIJING, Aug. 21 (Xinhua) -- China produced slightly less rice in the first harvest period of the year compared to 2014 due to a shrinking planting area, but the yield per hectare increased, official data showed on Friday.

The country produced 33.69 million tonnes of "early rice," that planted in spring and harvested in early summer. This was a decrease of 320,000 tonnes, or 0.9 percent from a year earlier, the National Bureau of Statistics (NBS) said.

China's early rice planting area for this year stood at 5.72 million hectares, 1.4 percent less than last year, with yield per hectare rising 0.4 percent to 5.89 tonnes.

Senior NBS statistician Hou Rui attributed the increase in yield to favorable weather and local authorities' support to farmers in seeds, pest control and other fields.

Early rice is mainly planted in eight central and southern provincial regions: Zhejiang, Anhui, Fujian, Jiangxi, Hubei, Hunan, Guangdong and Guangxi.

Rice is a staple food in China, and its total grain output consists of three parts -- early rice, summer grain and autumn production. Autumn grain crops, which include corn and middle- and late-season rice, account for the bulk of the grain production.

Editor: Luan

China's fuels airlines' 1H profits

*In mid the month, China Eastern Airlines reported annual revenue growth of 3.9 percent, but its net profit soared to 3.56 billion yuan (557 million U.S. dollars) from 14 million yuan a year ago. 

*China Southern Airlines was expected to make a U-turn: it lost a billion yuan for the first half of 2014 but will up to 3.6 billion yuan this half.

2015-08-21 23:15:04

JINAN, Aug. 21 (Xinhua) -- Listed Chinese airlines have begun reporting eye-watering rise in half-year profits, largely due to cheaper fuel.

In a filing to the Shanghai Stock Exchange Friday, Shandong Airlines said it revenue rose 2.69 percent year on year in the January-June period, but its net profit were up by 364 percent.

In mid the month, China Eastern Airlines reported annual revenue growth of 3.9 percent, but its net profit soared to 3.56 billion yuan (557 million U.S. dollars) from 14 million yuan a year ago. Hainan Airlines recorded a 0.77 percent increase of revenue, while net profit grew 231.92 percent. ' Listed airlines that have yet to file mid-year reports have said in earnings forecast that their profits are expected to soar.

China Southern Airlines was expected to make a U-turn: it lost a billion yuan for the first half of 2014 but will up to 3.6 billion yuan this half.

Air China, the national flag carrier, expects its profit to increase by over 700 percent.

Cheap fuel was cited by the airlines as a major reason for the improvement. "Fuel prices fell 37.6 percent on average. Fuel consumption rose 13.2 percent, but costs dropped 29.4 percent," said China Eastern Airlines.

Stronger air travel demand also played a role. Passenger and cargo transport rose 12.5 percent and 6.6 percent year-on-year, respectively.

Editor: yan

如何通过股权众筹投资？七招搞定！

*投资创业初期的公司和中小企业自然存在一定风险，因此多样性投资将会帮助你有效规避一些可能的风险。

*对创业初期的公司和中小企业进行股权众筹投资，其实应该是你众多投资中的一部分，实际上，每个人在投资的时候都不该过于盲目，也就是我们常说的不要把所有鸡蛋都放在一个篮子里，更何况，如今的投资渠道也很多，比如购买上市公司股票、债券、房地产、或是其他资产。

*但投资圈有句老话，那就是“高风险，高回报”，因此你最好给自己的股权众筹投资设置一个上限，笔者的建议是，最好占到你个人总投资组合的5%到10%。

*许多股权众筹平台在审核项目的时候就会帮投资人完成这项工作，比如检查法人组织和公司架构，对创始人和主要股东进行背景调查，确保公司各方认可通过股权众筹的方式进行融资，等等。

*理想的众筹投资可以帮助这些初创公司扩大业务收入和利润，提示企业盈利能力。

*初创公司必须要有明确的价值主张和市场策略，确保自己能够抢占绝大多数的市场份额。

*“退出”策略具有一定的投机性，因此，在你进行股权众筹投资之前，必须要看到初创公司有明确的“退出”策略，比如有谁愿意收购这家公司，什么时候会进行收购。

*值得一提的是，私人公司IPO上市的可能性非常小，这意味着如果你想收回自己的投资，最好是寄希望于这家初创公司能被收购。

*股权众筹投资有一个很有趣的现象，那就是你能看到有谁参与了投资，因此当你不知道该如何投资时，不妨看看“高手”们的动向。

2015-08-24 07:52:46

来源：创业邦 作者：Zoey

如果您第一次听说股权众筹，那么在此先简单说下它的概念，股权众筹是指，企业会面向普通投资人出让一定比例的股份，投资人通过出资入股公司，获得未来收益。这种基于互联网渠道而进行融资的模式被称作股权众筹。此外，对股权众筹还有一种解释，就是“股权众筹是私募股权互联网化”。

借助互联网数字技术，传统投资模式不可避免地开始发生转型，而且，投资领域也变得越来越广泛，比如通讯，交通，购物，以及娱乐等等，这些行业里的初创公司如今都能轻松获得投资。不仅如此，随着线上股权众筹平台的不断优化，更是进一步简化了私募股权投资的流程，让普通人也可以参与投资。

当股权众筹实现线上处理，意味着扫除了传统金融门槛的障碍，股权众筹让普通人也能参与私募股权投资，如果你觉得某家公司有高产潜能，那么完全可以购买他们的股权。换句话说，股权众筹让投资不再成为有钱人的专利，而且变成了一个人人都可以参与的“民主化投资方式”。

股权众筹的另外一个好处，就是能让更多公司获得资金，继而带来更多创新，实现经济增长，而随着公司变得“有利可图”，投资人获得的回报也会增多，可谓双赢。不仅如此，亚洲很多国家的监管机构也希望大力发展这种全新的投资模式，比如马来西亚证券事务监察委员会就放开了股权众筹投资限制。得益于股权众筹，越来越多的普通人可以拥有私人股权资产，但是对于很多刚刚涉足该领域的“投资小白”而言，了解股权众筹的原则是非常重要的，而且，如果你能遵循这些原则和规律，那么就可以获得良性回报。下面，就让我们来看看股权众筹投资的七大必胜绝招吧！

一、投资多样性：

投资创业初期的公司和中小企业自然存在一定风险，因此多样性投资将会帮助你有效规避一些可能的风险。事实上，如果你孤注一掷的把钱砸在一家初创公司身上，那么结果通常不太乐观。举个例子吧，如果你有1万美元资金，那么最好是投资10家初创公司，每家投1000美元；而不是只选择2家公司，然后各投5千美元。

二、设置投资上限：

对创业初期的公司和中小企业进行股权众筹投资，其实应该是你众多投资中的一部分，实际上，每个人在投资的时候都不该过于盲目，也就是我们常说的不要把所有鸡蛋都放在一个篮子里，更何况，如今的投资渠道也很多，比如购买上市公司股票、债券、房地产、或是其他资产。但投资圈有句老话，那就是“高风险，高回报”，因此你最好给自己的股权众筹投资设置一个上限，笔者的建议是，最好占到你个人总投资组合的5%到10%。

三、做好尽职调查：

当你遇到一个投资机遇，那么涉及到的尽职调查可能会有好几个层面。当然啦，最显而易见的尽职调查工作就是欺诈调查。许多股权众筹平台在审核项目的时候就会帮投资人完成这项工作，比如检查法人组织和公司架构，对创始人和主要股东进行背景调查，确保公司各方认可通过股权众筹的方式进行融资，等等。不过，除了欺诈调查之外，尽职调查的主要目的其实是要评估初创公司是否可能在未来获得成功。在这个问题上，下面两点最为关键：

1、企业创始人和高管团队：投资一家公司，最重要的，其实还是投人。那帮创始人足够聪明吗？人脉关系广吗？会大手大脚花钱吗？遇到问题时能灵活处理解决吗？虽然听上去是在老生常谈，但作为一家初创公司的领导，必须具备足够的创业素养。你所要做的，就是确保对这家初创公司的创始人有足够的信心，那么该如何做到这一点呢？答案就是要和企业创始人多沟通，多交流，遇到问题就直截了当地提出来，直到你真正认可他们的能力和态度，否则就不要轻易投钱。

2、业务具备可扩展性：当某家初创公司发展缓慢，并且业务成本居高不下，那么投资人是不可能获得良性回报的。因此在进行股权众筹投资时，你需要选择有业务扩展能力的初创公司，通俗点儿说，就是那些发展速度较快，并且经营成本不断减少的初创公司。理想的众筹投资可以帮助这些初创公司扩大业务收入和利润，提示企业盈利能力。

四、市场潜力：

当你已经发现了一家具备业务扩展能力的初创公司，先别着急，还有其他因素需要考量，现在你需要做的，就是看看是否有足够大的市场来满足他们的产品或服务，这些产品和服务能够填补市场缺口吗？初创公司必须要有明确的价值主张和市场策略，确保自己能够抢占绝大多数的市场份额。

五、“退出策略”：

我们知道，上市公司有义务给投资人分红，但私人公司则不必如此，至少大部分私人公司不会。这意味着如果你想让自己的投资能够获得回报，那么只能寄希望于这家初创公司能被兼并、收购、或是IPO上市。“退出”策略具有一定的投机性，因此，在你进行股权众筹投资之前，必须要看到初创公司有明确的“退出”策略，比如有谁愿意收购这家公司，什么时候会进行收购。值得一提的是，私人公司IPO上市的可能性非常小，这意味着如果你想收回自己的投资，最好是寄希望于这家初创公司能被收购。

六、跟着“高手”走：

股权众筹投资有一个很有趣的现象，那就是你能看到有谁参与了投资，因此当你不知道该如何投资时，不妨看看“高手”们的动向。举个例子，如果你看到某位专家投资了某家电商平台，或是一个知名天使投资人入驻某某公司，还犹豫什么呢，赶紧跟投！

七、相信你的直觉：

实际上，风险是不可避免的，每家公司或多或少都有一些风险，没有人的投资是一帆风顺的，如果你在股权众筹投资前，认真执行了上面六条原则，那么最后一个绝招，就是相信自己的直觉，这笔投资究竟会不会成功呢？直觉会告诉你答案！

Media apps making headlines

*Launched in 2012, Toutiao has 290 million registered users and 27 million regular readers each day. 

*Last year, the company received 100 million U.S. dollars in another round of financing from Sequoia Capital, which is run by legendary Chinese investor Shen Nanpeng, and Weibo, the Twitter-like online platform in China that is listed in New York.

*It is now valued at 500 million U.S. dollars.

*With 250 million active daily users, the company plans to radically update its service. 

*At Zaker, Li has worked hard to cultivate a distinctive brand since setting up the company in Guangzhou in 2011 with the help of 10 million U.S. dollars  in investment.

*In January, Analysys International reported that the online advertising market in China grew 53.5 percent last year to 153.52 billion yuan compared to 2013. 

*It predicted that the sector would grow to 319 billion yuan by 2017.

2015-08-24 13:47:39

BEIJING, Aug. 24 (Xinhuanet) -- It is extremely difficult to find an empty room at the Beijing offices of Toutiao.com, a mobile news application.

With more than 800 technical staff, nearly every chair and desk is taken as employees constantly update the popular app, which features headline news, show business, sports and social media issues.

Launched in 2012, Toutiao has 290 million registered users and 27 million regular readers each day. When it started, the organization had just 20 staff but has been growing at a frantic pace since then.

"Whether they are in the subway or on trains, as long as our customers have their smartphones, they can access news and other information via our app," Lin Chufang, vice-president in charge of marketing at Toutiao, said.

Last year, the company received 100 million U.S. dollars in another round of financing from Sequoia Capital, which is run by legendary Chinese investor Shen Nanpeng, and Weibo, the Twitter-like online platform in China that is listed in New York.

Shen also has a stake in Ctrip, the largest online travel agency in China, while Sequoia Capital is a major venture capital firm and a key investor in DJ-Innovations, or DJI, the largest commercial drone manufacturer in the world based in Shenzhen, Guangdong province.

With investors like these, it is hardly surprising that Toutiao, which means "Headline Today" in English, has taken off after an initial round of investment back in 2012. It is now valued at 500 million U.S. dollars.

But then, a key element of Toutiao's business plan was to splash out on copyright content from 1,000 media companies in China as well as partnerships deals with thousands of freelance journalists for video clips and news items.

"With mobile phones, people can read the latest news in a more efficient way," Zhang Yiming, founder of Toutiao.com and head of the app's parent company Beijing Bytedance Technology Co Ltd, said. "It so much easier now."

While Toutiao has yet to release detailed financial figures or media contract fees, the privately owned company has increased advertising revenue and is now breaking even. But it still has no plans to branch out into providing original content as the company does not have a full time team of journalists in place.

"We will stick to being a news platform," Zhang said. "That is what we do best."

The success of Toutiao illustrates the problems that mainstream media firms, such as newspaper groups, face when trying to stabilize revenue in a changing landscape dominated by online rivals.

Last month, a report published by the China Internet Network Information Center showed that news apps were only second to instant messaging players, such as WeChat and QQ, both part of Tencent Holding Ltd, when it came to online traffic. More than 459 million people clicked onto news apps by the end of June, roughly 77 percent of the Internet users in China, according to the Beijing-based CNNIC, a government-backed industry body.

"The number of those who access news via smartphones has grown 10.6 percent in the first half of this year, compared with the 6.4 percent of instant messaging users," the report highlighted.

But despite breakneck growth in the sector, industry insiders have warned that many of the new news kids on the block might struggle to stay afloat.

Already major social networking apps, such as WeChat and Weibo, are beefing up their news coverage and attracting online readers from media startups.

"Unlike the personal computer-based Internet era, in which news was gathered by major portals, such as sohu.com and sina.com, the mobile online industry has produced a wide range of apps in an extremely competitive market," Tao Jingqi, director of research at Talking Data, an Internet data service provider, said.

Last month, a survey released by Talking Data reported that the penetration rate of news apps among mobile Internet users was about 60 percent, lower than CNNIC's 77 percent.

"This is a mature market and will continue to grow steadily," Tao said. "But I don't think we will see a dramatic increase in the sector."

Her views were echoed by Li Senhe, chief executive officer of Zaker, a mobile news app, which collects content from other websites through copyright deals and employs nearly 200 staff.

This allows users to build their own magazine based on individual interests. "The days when you just launched a news app and users rushed to download it are gone," Li said.

Indeed, the marketplace has become as crowded as a subway train during rush hour.

Dozens of news apps have sprung up in China. They range from those rolled out by established newspaper and magazine companies to online portals and media providers, such as Toutiao and Zaker.

In this melting pot, apps run by traditional online sites are dominating the Internet media scene, but that could be changing. "Apps designed to provide news to individual tastes are now showing great potential," Tao, of Talking Data, said.

Tencent, which has the largest market share in the news app industry through its own dedicated portal, Tencent News, has already made significant moves to tap into this trend.

With 250 million active daily users, the company plans to radically update its service. "Personalizing our content will be an important part of the apps development," Wang Yongzhi, editor-in-chief at Tencent.com, said.

Finding a niche in the market will be crucial for news apps if they are to survive.

At Zaker, Li has worked hard to cultivate a distinctive brand since setting up the company in Guangzhou in 2011 with the help of 10 million U.S. dollars  in investment.

Today, Zaker has 12 million daily users and the majority of them are from first-tier cities in China, such as Beijing, Shanghai and Shenzhen. Most have at least a college degree, drive a car, buy luxury brands and travel extensively, according to company data.

"Eventually, each player will cover a specific group of users and provide news and content in line with their demand and taste," Li said. "That is what we are doing."

Toutiao is moving in a similar direction. Big data, a broad term for processing vast amounts of complex statistics, which can be boiled down into market and consumer trends, will be vital in working out the right strategy.

The company already uses 4,000 servers to crunch the numbers and will add another 2,000 by the end of the year.

"We first analyze all news content, label it and sort it by keywords," Lin, vice-president at Toutiao, said. "Then we analyze our users and match the content to their tastes."

This in turn should help drive customized advertising by matching the right brands with the right consumer, Wang Shicong, an analyst at Analysys International, pointed out.

"Advertisers are looking for a target audience and big data can do that," Wang said.

In January, Analysys International reported that the online advertising market in China grew 53.5 percent last year to 153.52 billion yuan compared to 2013. It predicted that the sector would grow to 319 billion yuan by 2017.

Zaker, which has yet to release detailed financial figures, generates most of its income from advertising.

But CEO Li is looking to expand the company's revenue base. In June, Zaker launched a range of new services, including online movies and travel packages.

"The news app sector cannot live happily ever after through advertising income alone," he said. "We have to explore new models and opportunities to grow in the future. You have to stay ahead of the pack."

(Source: Chinadaily.com)

Editor: Luan

China allocates more education funds

* China's central treasury allocated 19 billion yuan (about 3 billion U.S. dollars) to support pre-school and high school education, especially in rural areas, the Ministry of Finance said Monday.

*The funds will be split, with 15 billion yuan spent to guide and encourage local governments to improve pre-school education resources, while 4 billion yuan will be used to upgrade facilities in high schools in impoverished regions, the ministry said.

*During the 2011-2015 period, the central government allocated a total of 71.93 billion yuan to support pre-school education.

2015-08-24 20:13:30

BEIJING, Aug. 24 (Xinhua) -- China's central treasury allocated 19 billion yuan (about 3 billion U.S. dollars) to support pre-school and high school education, especially in rural areas, the Ministry of Finance said Monday.

The funds will be split, with 15 billion yuan spent to guide and encourage local governments to improve pre-school education resources, while 4 billion yuan will be used to upgrade facilities in high schools in impoverished regions, the ministry said.

The moves are meant to better allocate education resources and bridge the gap between urban and rural education.

A recent survey released by the United Nations Children's Fund (UNICEF) showed two-thirds of China's 90 million children aged six and under still live in rural areas and receive insufficient early childhood education.

During the 2011-2015 period, the central government allocated a total of 71.93 billion yuan to support pre-school education.

Editor: Mengjie

“内幕消息”有风险投资者应理性判断

*具备必要的市场基础知识，股票投资是一项有较大风险的投资，只有承担风险才能获得收益，投资者应学习必要的证券市场基础知识，对于来电声称提供专业证券服务的人员一定要提高警惕。

*及时咨询专业机构和人员。广大投资者不一定十分了解资本市场的专业知识，但应该找一些专业的人做一些专业的事。

*特别对“屡荐屡中”的电话和短信，可以到中国证监会、当地的证监局或行业协会官方网站去查询，也可以到当地的证券期货经营机构现场查询是否合法机构，专业人员可以给你一个相对可靠的答案。

*是提高防范非法证券期货活动的意识。目前，社会上非法分子利用微信，QQ等社交媒体手段，通过推荐股票，发布投资理财项目等多种形式，花样不断翻新，诈骗广大投资者。

*广大投资者需树立正确的投资理念，谨慎对待，识别非法证券期货活动。

2015-08-20 06:04:03　来源: 证券日报-资本证券网(北京)

本报记者 朱宝琛 

《证券日报》记者从宁波证监局了解到，今年4月下旬，宁波江北警方成功破获一起涉案总金额达3000余万元的网络投资交易平台诈骗案。犯罪嫌疑人郝某以“私募基金公司”为名，利用所谓的“内幕消息”实施诈骗。

据介绍，这家所谓的私募管理公司组织严密，有专人主要负责公司的整体运作，专人负责审核员工的业务量以及项款到账、专人管理“话务员”。“话务员”每天的工作就是给“潜在客户”打电话，并对外扮演“专业操盘手”、“老师”的角色，给股民分析大盘，推荐股票。

“话务员”在给“潜在客户”打电话的时候，也是非常“贴心”。他们不急着让“潜在客户”掏钱，而是先免费给“潜在客户”推荐股票。等到客户缴纳13800元“会员费”和20000元“保证金”“入会”之后，公司就派所谓的“专业操盘手”、“老师”出面荐股。在“话务员”的“循循善诱”下，股民投钱进入股市，最终却发现，公司推荐的股票似乎并不给力，搞不好甚至血本无归。

2015年4月下旬，宁波江北警方成功破获这起涉案总金额达3000余万元的系列性网络投资交易平台诈骗案，抓获犯罪嫌疑人80多名。经查，所谓入会合同的公司名称和在上海的办公地址，均“查无此事”，工商部门也没有相关的登记信息。

宁波证监局表示，当前，社会公众对于投资理财的关注度和参与度都大幅提高。在此情况下，社会上各种私募基金、各种名义的高收益产品、荐股软件推销等层出不穷，广大投资者面对各种投资机会，一定要有理性的判断，才能避免上当受骗。

一是具备必要的市场基础知识，股票投资是一项有较大风险的投资，只有承担风险才能获得收益，投资者应学习必要的证券市场基础知识，对于来电声称提供专业证券服务的人员一定要提高警惕。

二是及时咨询专业机构和人员。广大投资者不一定十分了解资本市场的专业知识，但应该找
一些专业的人做一些专业的事。特别对“屡荐屡中”的电话和短信，可以到中国证监会、当地的证监局或行业协会官方网站去查询，也可以到当地的证券期货经营机构现场查询是否合法机构，专业人员可以给你一个相对可靠的答案。

三是提高防范非法证券期货活动的意识。目前，社会上非法分子利用微信，QQ等社交媒体手段，通过推荐股票，发布投资理财项目等多种形式，花样不断翻新，诈骗广大投资者。广大投资者需树立正确的投资理念，谨慎对待，识别非法证券期货活动。

China's property investment loses more steam in H1

*Real-estate investment rose 4.6 percent year on year to 4.4 trillion yuan (708.8 billion U.S. dollars) in the first half of 2015, the National Bureau of Statistics announced Wednesday.

*New housing construction stood at 674.8 million square meters, plunging 15.8 percent from a year earlier, with construction on new residential houses diving 17.3 percent by area.

*Sales of commercial housing went up 10 percent year on year to 3.4 trillion yuan.

2015-07-15 14:34:10

BEIJING, July 15 (Xinhua) -- China's property investment continued to soften in the first half of this year, putting the sector, once a growth engine of the economy, under greater pressure.

Real-estate investment rose 4.6 percent year on year to 4.4 trillion yuan (708.8 billion U.S. dollars) in the first half of 2015, the National Bureau of Statistics announced Wednesday.

The increase was 3.9 percentage points slower than that in the first quarter.

In the first half, investment in residential housing climbed 2.8 percent from the same period last year, slowing from 5.9 percent recorded in the first quarter.

New housing construction stood at 674.8 million square meters, plunging 15.8 percent from a year earlier, with construction on new residential houses diving 17.3 percent by area.

Sales of commercial housing went up 10 percent year on year to 3.4 trillion yuan.

China's property market took a downturn in 2014 due to weak demand and a surplus of unsold homes. The cooling has continued into 2015, with both sales and prices falling and investment slowing.

The central bank has moved to combat the slowdown, cutting benchmark interest rates and lowering banks' reserve requirement ratio.

The country also eased down payment requirements for second-home purchases at the end of March, and some local governments have rolled back their restrictions on home purchases.

Editor: Luan

Services lead growth in foreign direct investment

*Foreign investors channeled 420.5 billion yuan ($68.4 billion) into the country during the January-June period, up 8.3 percent from a year earlier, with 11,914 new foreign-invested firms set up.

*The growth was led by funds in services, which expanded 23.6 percent year on year to $43.4 billion in the first six months and were 63.5 percent of the total. 

* Investment in manufacturing contracted 8.4 percent to $20.8 billion, or 30.5 percent of the basket. 

*The European Union directed $4.08 billion into China in the first six months, up 13.7 percent year on year. 

*But the United States cut its investment by 37.6 percent to $1.09 billion, partly due to a high comparative base.

*In June alone, China's foreign direct investment rose 0.7 percent to $14.5 billion, moderating from May's 7.8 percent.

*Meanwhile, China's outbound direct investment rose 29.2 percent to 343.2 billion yuan in the first half, with funds flowing into 4,018 overseas companies in 147 countries and regions.

*Investment in the ASEAN countries nearly doubled during the period, while more than $7.05 billion was directed to 48 countries involved in the "Belt and Road" initiative.

*Shen Danyang, a spokesman for the commerce ministry, said that China remained a target in trade disputes in the first six months as the country was involved in 37 cases raised by 14 countries and valued at $3.5 billion.

2015-07-22 13:13:54

BEIJING, July 22 (Xinhuanet) -- China's foreign direct investment reached a new high in the first six months of the year, the Ministry of Commerce said yesterday.

Foreign investors channeled 420.5 billion yuan ($68.4 billion) into the country during the January-June period, up 8.3 percent from a year earlier, with 11,914 new foreign-invested firms set up.

The growth was led by funds in services, which expanded 23.6 percent year on year to $43.4 billion in the first six months and were 63.5 percent of the total. Capital for the financial sector increased nearly five times and that for scientific research more than doubled.

Investment in manufacturing contracted 8.4 percent to $20.8 billion, or 30.5 percent of the basket. However, foreign input in advanced manufacturing bucked the trend. Funds flowing into telecom equipment manufacturing and chemical manufacturing rose 231 percent and 71.9 percent respectively during the period.

The European Union directed $4.08 billion into China in the first six months, up 13.7 percent year on year. But the United States cut its investment by 37.6 percent to $1.09 billion, partly due to a high comparative base.

In June alone, China's foreign direct investment rose 0.7 percent to $14.5 billion, moderating from May's 7.8 percent.

Meanwhile, China's outbound direct investment rose 29.2 percent to 343.2 billion yuan in the first half, with funds flowing into 4,018 overseas companies in 147 countries and regions.

The pace compared with the rate of 47 percent in the January-May period.

Investment in the ASEAN countries nearly doubled during the period, while more than $7.05 billion was directed to 48 countries involved in the "Belt and Road" initiative.

Shen Danyang, a spokesman for the commerce ministry, said that China remained a target in trade disputes in the first six months as the country was involved in 37 cases raised by 14 countries and valued at $3.5 billion.

"Although the number of cases and the overall value reduced, China remained a major victim of trade disputes, and more of these cases are now related to high-tech or high-value-added sectors," Shen said.

(Source: Shanghai Daily)

Editor: Lu Hui

如何通过股权众筹投资？七招搞定！

*投资创业初期的公司和中小企业自然存在一定风险，因此多样性投资将会帮助你有效规避一些可能的风险。

*对创业初期的公司和中小企业进行股权众筹投资，其实应该是你众多投资中的一部分，实际上，每个人在投资的时候都不该过于盲目，也就是我们常说的不要把所有鸡蛋都放在一个篮子里，更何况，如今的投资渠道也很多，比如购买上市公司股票、债券、房地产、或是其他资产。

*但投资圈有句老话，那就是“高风险，高回报”，因此你最好给自己的股权众筹投资设置一个上限，笔者的建议是，最好占到你个人总投资组合的5%到10%。

*许多股权众筹平台在审核项目的时候就会帮投资人完成这项工作，比如检查法人组织和公司架构，对创始人和主要股东进行背景调查，确保公司各方认可通过股权众筹的方式进行融资，等等。

*理想的众筹投资可以帮助这些初创公司扩大业务收入和利润，提示企业盈利能力。

*初创公司必须要有明确的价值主张和市场策略，确保自己能够抢占绝大多数的市场份额。

*“退出”策略具有一定的投机性，因此，在你进行股权众筹投资之前，必须要看到初创公司有明确的“退出”策略，比如有谁愿意收购这家公司，什么时候会进行收购。

*值得一提的是，私人公司IPO上市的可能性非常小，这意味着如果你想收回自己的投资，最好是寄希望于这家初创公司能被收购。

*股权众筹投资有一个很有趣的现象，那就是你能看到有谁参与了投资，因此当你不知道该如何投资时，不妨看看“高手”们的动向。

2015-08-24 07:52:46

来源：创业邦 作者：Zoey

如果您第一次听说股权众筹，那么在此先简单说下它的概念，股权众筹是指，企业会面向普通投资人出让一定比例的股份，投资人通过出资入股公司，获得未来收益。这种基于互联网渠道而进行融资的模式被称作股权众筹。此外，对股权众筹还有一种解释，就是“股权众筹是私募股权互联网化”。

借助互联网数字技术，传统投资模式不可避免地开始发生转型，而且，投资领域也变得越来越广泛，比如通讯，交通，购物，以及娱乐等等，这些行业里的初创公司如今都能轻松获得投资。不仅如此，随着线上股权众筹平台的不断优化，更是进一步简化了私募股权投资的流程，让普通人也可以参与投资。

当股权众筹实现线上处理，意味着扫除了传统金融门槛的障碍，股权众筹让普通人也能参与私募股权投资，如果你觉得某家公司有高产潜能，那么完全可以购买他们的股权。换句话说，股权众筹让投资不再成为有钱人的专利，而且变成了一个人人都可以参与的“民主化投资方式”。

股权众筹的另外一个好处，就是能让更多公司获得资金，继而带来更多创新，实现经济增长，而随着公司变得“有利可图”，投资人获得的回报也会增多，可谓双赢。不仅如此，亚洲很多国家的监管机构也希望大力发展这种全新的投资模式，比如马来西亚证券事务监察委员会就放开了股权众筹投资限制。得益于股权众筹，越来越多的普通人可以拥有私人股权资产，但是对于很多刚刚涉足该领域的“投资小白”而言，了解股权众筹的原则是非常重要的，而且，如果你能遵循这些原则和规律，那么就可以获得良性回报。下面，就让我们来看看股权众筹投资的七大必胜绝招吧！

一、投资多样性：

投资创业初期的公司和中小企业自然存在一定风险，因此多样性投资将会帮助你有效规避一些可能的风险。事实上，如果你孤注一掷的把钱砸在一家初创公司身上，那么结果通常不太乐观。举个例子吧，如果你有1万美元资金，那么最好是投资10家初创公司，每家投1000美元；而不是只选择2家公司，然后各投5千美元。

二、设置投资上限：

对创业初期的公司和中小企业进行股权众筹投资，其实应该是你众多投资中的一部分，实际上，每个人在投资的时候都不该过于盲目，也就是我们常说的不要把所有鸡蛋都放在一个篮子里，更何况，如今的投资渠道也很多，比如购买上市公司股票、债券、房地产、或是其他资产。但投资圈有句老话，那就是“高风险，高回报”，因此你最好给自己的股权众筹投资设置一个上限，笔者的建议是，最好占到你个人总投资组合的5%到10%。

三、做好尽职调查：

当你遇到一个投资机遇，那么涉及到的尽职调查可能会有好几个层面。当然啦，最显而易见的尽职调查工作就是欺诈调查。许多股权众筹平台在审核项目的时候就会帮投资人完成这项工作，比如检查法人组织和公司架构，对创始人和主要股东进行背景调查，确保公司各方认可通过股权众筹的方式进行融资，等等。不过，除了欺诈调查之外，尽职调查的主要目的其实是要评估初创公司是否可能在未来获得成功。在这个问题上，下面两点最为关键：

1、企业创始人和高管团队：投资一家公司，最重要的，其实还是投人。那帮创始人足够聪明吗？人脉关系广吗？会大手大脚花钱吗？遇到问题时能灵活处理解决吗？虽然听上去是在老生常谈，但作为一家初创公司的领导，必须具备足够的创业素养。你所要做的，就是确保对这家初创公司的创始人有足够的信心，那么该如何做到这一点呢？答案就是要和企业创始人多沟通，多交流，遇到问题就直截了当地提出来，直到你真正认可他们的能力和态度，否则就不要轻易投钱。

2、业务具备可扩展性：当某家初创公司发展缓慢，并且业务成本居高不下，那么投资人是不可能获得良性回报的。因此在进行股权众筹投资时，你需要选择有业务扩展能力的初创公司，通俗点儿说，就是那些发展速度较快，并且经营成本不断减少的初创公司。理想的众筹投资可以帮助这些初创公司扩大业务收入和利润，提示企业盈利能力。

四、市场潜力：

当你已经发现了一家具备业务扩展能力的初创公司，先别着急，还有其他因素需要考量，现在你需要做的，就是看看是否有足够大的市场来满足他们的产品或服务，这些产品和服务能够填补市场缺口吗？初创公司必须要有明确的价值主张和市场策略，确保自己能够抢占绝大多数的市场份额。

五、“退出策略”：

我们知道，上市公司有义务给投资人分红，但私人公司则不必如此，至少大部分私人公司不会。这意味着如果你想让自己的投资能够获得回报，那么只能寄希望于这家初创公司能被兼并、收购、或是IPO上市。“退出”策略具有一定的投机性，因此，在你进行股权众筹投资之前，必须要看到初创公司有明确的“退出”策略，比如有谁愿意收购这家公司，什么时候会进行收购。值得一提的是，私人公司IPO上市的可能性非常小，这意味着如果你想收回自己的投资，最好是寄希望于这家初创公司能被收购。

六、跟着“高手”走：

股权众筹投资有一个很有趣的现象，那就是你能看到有谁参与了投资，因此当你不知道该如何投资时，不妨看看“高手”们的动向。举个例子，如果你看到某位专家投资了某家电商平台，或是一个知名天使投资人入驻某某公司，还犹豫什么呢，赶紧跟投！

七、相信你的直觉：

实际上，风险是不可避免的，每家公司或多或少都有一些风险，没有人的投资是一帆风顺的，如果你在股权众筹投资前，认真执行了上面六条原则，那么最后一个绝招，就是相信自己的直觉，这笔投资究竟会不会成功呢？直觉会告诉你答案！

个人小额投资理财五个方法技巧

*可根据自身风险承受能力，构建合适的投资组合，同时控制好风险与收益的配比关系。

*合理选择银行储蓄品种，优化资金使用。

*目前不少银行都推出小额理财产品，如某股份制银行的“钱生钱”，就是一种为主卡持卡人提供一卡多户，活期、整存整取多种优化组合的理财服务。

*其可按客户选定的存款组合方案，自动将存入资金由活期转为定期存款，免除在两者间反复选择及操作的不使，最大化提高存款收益率，实现轻松理财。

*有条件的话，可通过不动产获得“被动”收入，如房租收入等。

*适当尝试一些新的投资品种，如“纸黄金”。近年不少黄金投资者的年收益率都达到了10%左右。而“纸黄金”进入门槛相对较低，不失为一种良好的理财选择。

*但需注意，这类投资专业性要求较高，投资者需具备一定的投资知识，方可操作。

*选择信用卡作为支付手段，也能、“积少成多”。

 2015-08-18 11:04 

        对手中资金不宽裕者而言，个人想投资理财，一选对投资品种，二要方法正确。重点在于尽量减少现金持有量，提高资金管理能力，使利用率达到最大。

　　个人小额投资理财方法1：可根据自身风险承受能力，构建合适的投资组合，同时控制好风险与收益的配比关系。如追求稳定收益，可投资货币市场基金，其具有流动性良好、低风险、收益平稳等特点，且进入门槛相对较低。

　　个人小额投资理财方法2：合理选择银行储蓄品种，优化资金使用。目前不少银行都推出小额理财产品，如某股份制银行的“钱生钱”，就是一种为主卡持卡人提供一卡多户，活期、整存整取多种优化组合的理财服务。其可按客户选定的存款组合方案，自动将存入资金由活期转为定期存款，免除在两者间反复选择及操作的不使，最大化提高存款收益率，实现轻松理财。

　　个人小额投资理财方法3：有条件的话，可通过不动产获得“被动”收入，如房租收入等。

　　个人小额投资理财方法4：适当尝试一些新的投资品种，如“纸黄金”。近年不少黄金投资者的年收益率都达到了10%左右。而“纸黄金”进入门槛相对较低，不失为一种良好的理财选择。但需注意，这类投资专业性要求较高，投资者需具备一定的投资知识，方可操作。

　　个人小额投资理财方法5：选择信用卡作为支付手段，也能、“积少成多”。通常信用卡都有50天左右的免息还款期，合理用卡也可赚取不少利息。

News Analysis: China boosts infrastructure investment to shore up growth

*With authorities seeing new infrastructure as crucial in driving growth, the central government said at the start of 2015 that 800 billion yuan (about 125 billion U.S. dollars) should be invested in creating 8,000 km of new railway track this year.

*In the first half, 2,226 km of track were put into service, thanks to 265.1 billion yuan of investment. 

*Local governments will raise 80 percent of the 60 billion yuan needed for the Jinan-Qingdao line.

*Jiangsu Province announced 186 PPP projects on Sunday, with investment totaling 343.55 billion yuan.

*Earlier this year, the state planning agency released a list of more than 1,000 proposed projects totaling 1.97 trillion yuan in sectors including transport, water conservancy and public services.

*"If China builds 8,000 km of underground utility tunnels each year at the price of 120 million yuan per km, it means about 1 trillion yuan of investment," according to Chen Zhenggao, minister of housing and urban-rural development.

 2015-08-17 20:50:50

BEIJING, Aug. 17 (Xinhua) -- China is racing against time to build high speed rails as annual investment targets are still far from completion, shedding light on its needs to shore up growth.

With authorities seeing new infrastructure as crucial in driving growth, the central government said at the start of 2015 that 800 billion yuan (about 125 billion U.S. dollars) should be invested in creating 8,000 km of new railway track this year.

In the first half, 2,226 km of track were put into service, thanks to 265.1 billion yuan of investment. Though this funding was up 12.7 percent from the same period last year, it still leaves China with a lot of ground to make up if it is going to meet the full-year targets,

The launch of China's northernmost high-speed railway on Monday offered some encouragement. The Heilongjiang Province trip from provincial capital Harbin to Qiqihar City was reduced from three hours to 85 minutes.

Arguably more significant, however, was the start of work six days earlier on the first high-speed railway to be constructed under a PPP, which are based on partnerships between government and private companies. Passengers can look forward to the line linking Jinan and Qingdao in east China's Shandong Province being finished within four years.

Local governments will raise 80 percent of the 60 billion yuan needed for the Jinan-Qingdao line. The remainder will be private capital.

Outside of rail, the PPP model will be widely used in infrastructure projects approved by the National Development and Reform Commission.

Jiangsu Province announced 186 PPP projects on Sunday, with investment totaling 343.55 billion yuan. The funding is focused on areas including affordable housing, gas supply and transportation.

Earlier this year, the state planning agency released a list of more than 1,000 proposed projects totaling 1.97 trillion yuan in sectors including transport, water conservancy and public services.

Transport took the lion's share of the investment, as first- and second-tier cities are keen on expanding rail transit facilities while smaller cities want to improve their roads.

"Underground utility tunnels will be a new arena for infrastructure investment and they should attract more policy support from the government," said Liao Mingbing, an analyst from China International Capital Corporation Limited, the country's first joint investment bank.

"If China builds 8,000 km of underground utility tunnels each year at the price of 120 million yuan per km, it means about 1 trillion yuan of investment," according to Chen Zhenggao, minister of housing and urban-rural development. Chen is eyeing that investment also spurring spending on steel, cement and machines, and therefore acting as a new driver for economic growth.

A UBS report last week said China's "ongoing property downturn will subtract another 1.5 percent from GDP growth this year," and to offset the headwind, "the government is working on multiple fronts to fund and facilitate implementation of public investment, including using policy banks, activating fiscal deposits, launching PPPs... and reducing various credit constraints."

"There is also a need for additional infrastructure investment in some areas including railways, urban public transport, urban utility networks, water and environmental related projects," according to the report.

Editor: Luan