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【新報11日綜合外電報道】連接日本本州青森地區和北海道函館地區的青函隧道龍飛海底車站，迷你倉周日（10日）最後一次向民眾開放，吸引日本國內眾多遊客前往參觀。據報道，青函隧道於1964年開始動工，經過24年的建設，於1988年3月13日正式投入營運，曾經是世界最長的海底隧道。龍飛海底車站與北海道鐵路公司的吉岡海底車站分居青函隧道南北兩端，並稱為世界最早的海底車站。明年3月停止營運兩座海底車站不僅設有緊急避難設施，每年4至11月還會舉辦相關遊覽項目。自吉岡海底車站2006年文件倉降格為臨時車站，長期處於暫停營業狀態以來，龍飛海底車站便成為供乘客下車參觀的唯一候選車站。然而，為配合北海道新幹線開線前的後期工程，龍飛海底車站也將於明年3月起停止營運，故而向遊客最後一次開放。據報道，本次龍飛海底車站參觀項目的規定名額為160人，而報名人數卻達5,061人。鐵路公司方面最終於通過抽籤方式，隨機挑選出80名幸運乘客於周日參觀車站、避難疏散通道以及地面纜車等。一名來自東京的22歲男子在參觀結束後說：「能夠趕上最後這個機會參觀龍飛海底車站，真的太幸運了。」存倉

東北角鼻頭龍洞地質公園瘋狗浪吞噬八條人命，迷你倉新北市副市長侯友宜昨與相關單位會勘，發現現場只有「危險水域」簡易告示牌，警示效果不足，必須加強。侯友宜建議東北角風景管理處，可在門口設置ＬＥＤ看板，以紅、黃、綠三種號誌告知遊客危險級數，紅色全面封閉、黃色表示部分開放、綠色可通行。此外，風管處每天都須派人巡邏，並設置指揮中心，再遇意外才能立即反應。侯友宜也指出，除了遊客，不少釣客磯釣地點距海非常近，長浪一打上岸，即使穿救生衣、防滑鞋也無法抵擋，每年釣客落海比遊客還多。他對各主管機關喊話，若發生沒穿救生衣情況，「該罰就開罰，不要客氣」。新北市議會昨進行總質詢，多名市議員痛批風管處卸責，事發後無人到場處理，「只有當老大的心態」；風管處說僅有「道義上責任」，難道要自存倉難者家屬去跟海龍王討賠償嗎？要求市府向中央爭回北海岸管轄權。市長朱立倫坦言，風管處過去太本位主義，不夠積極，有非常大的檢討空間；風管處身為管理單位，從任何角度來看都要負全責。市府一定會強力要求風管處嚴格執行強制穿救生衣、防滑鞋等安全措施，訂出封閉步道等具體措施，「讓意外到此為止！」對侯友宜做出「燈號管制」建議，朱立倫說，「會比告示牌有效」，民眾看到紅燈亮，就會知道當天不宜靠近或下水，比起每個人憑自由心證判斷更有憑據。死者魏舒喬的家屬昨至現場招魂，海邊下起大雨，氣氛更顯感傷。魏的父親表示，看到風管處長許正隆的說法，「簡直氣炸了」，實在太官僚。東北角風景區管理處副處長劉士銘表示，近日內將提出「安全管理措施規畫」，參考新北市府建議，全力改善有危險性的風景區。迷你倉

國債期貨連跌6個交易日，儲存且最近3個交易日跌幅呈明顯加大之勢。 （吳比較/製圖）證券時報記者 魏書光還有人覺得是“烏龍指”嗎？國債期貨TF1312合約昨日跌幅再度擴大，並刷新低點。臨近年底，流動性從緊，借貸利率上升，使得國債價格進一步下跌風險加大。當天，10年期國債(130018)成交利率高達4.42%，直逼2008年8月4.57%的高點。而國內利率互換合約（IRS）七天回購浮動端的固定利率盤中飆升到4.83%，逼近2007年6月最高點。截至昨日收盤， 國債期貨主力合約TF1312下跌0.74%，最近6個交易日內已累計下跌2.21%，而在最近的3個交易日內，跌幅更是一日大過一日。11日當天，國債TF1312報收于91.730點，跌幅0.74%，這是國債期貨連續三個交易日創下上市以來最大單日跌幅，國債期貨價格也不斷刷新上市以來的最低點。在上周五，國債期貨TF1312合約早盤出現上線交易以來的首筆異常超低成交價，91.718點。當日，面對異常的大幅下跌，一些市場人士仍然認為，可能是“烏龍指”，也可能是大跌後機構被迫止損所致。但是到了昨天，國債期貨在上周五基礎上，跌幅明顯加大，而且連日下跌行情中，市場恐慌情緒因此進一步增加，顯然已經不是“迷你倉龍指”能解釋。當天開盤後，國債期貨TF1312合約價格一路下滑，午盤跌幅擴大，一度跌幅達到0.77%，超出上周五的最低點，最終報收于91.730點。央行公開市場持續未開展逆回購操作，成為市場關注焦點。顯然，數百億元的逆回購已經成為中國版量化寬鬆（QE），數量增減、節奏及是否進行都牽動著脆弱的貨幣市場神經。中國國際期貨分析師汪誠表示，市場正在密切關注今天央行公開市場操作的動態以及周三7年期國債續發的情況，如果逆回購得以重�，發行情況良好，市場情緒或得以緩解，短期內加速下跌趨勢或有所緩和甚至出現小幅反彈。但整體上看目前國債期貨仍處於空頭趨勢中，市場利率價格仍會居高難下，通脹將抬頭。中信證券債券分析報告也認為，央行維持貨幣政策中性偏緊的態度不變以及資金利率維持在中性偏高位置，使得市場情緒異常悲觀，加上一級供給對二級市場繼續形成壓力，導致名義利率大幅度上行，預計中長期利率產品收益率仍將普遍大幅上揚。“人民幣利率的不斷走高會不會預示中國金融市場開始走向另一個場景：由匯率升值、低通脹、低利率、收益率平坦的舊場景到匯率疲弱、高通脹、高利率、收益率陡峭的新場景？人民幣利率市場不斷走高會不會是向這個新場景開始的第一步？”微博網友“初九之九”如此感慨道。self storage

早上五時，mini storage波士頓的冬天很冷，我掙扎�爬起床，趕忙梳洗，為�乘六點半的飛機到紐約某銀行進行「reverse interview」。這已是第三趟我去這種面試。這名字是我改的。Interview是我sell自己給銀行，以求獲得聘用；reverse interview是得到聘書後，銀行sell他們給我，好打動我的芳心，因為我還有其他追求者，他們也給了我聘書。正午十二時，忙了一個早上，見了四五個人，終於可以歇一歇。剛剛那個interviewer真難纏。我明明已獲得聘用，他還是對我嚴刑拷問。由我的故事，到股市走勢，到格林斯潘和經濟數據，他都逼我表態。幸好我也有備而來，事前熟讀Wall Street Journal 和Economist ，在機上又重溫了履歷，才不至被拋出車外。你會問，現在是我揀銀行，不是銀行揀我，權力在我手�，理應是他們這個家嫂向我這個奶奶低聲下氣才是，怎麼有些interviewer那麼不客氣？實情是reverse interview絕不是權力大轉移。投行面試，無論是獲聘前或獲聘後，都是一個meeting of equals，沒有誰尊self storage卑（所以我也不斷用interviewer這個字，因為他們不是面試「官」）。獲聘前太謙卑，獲聘後頤指氣使，都只會失禮人前。下午二時半，整天最重要的一個會面，我要見銀行的第二把交椅D先生。D先生這樣的大忙人，居然會抽半小時見我這個無名無姓，還不知可不可以為他賺錢的商學院學生，看得出銀行很有誠意。他頗友善（高層都是這樣），問我有什麼問題。我當然知道在這種場合發問，目的不是要�料，是要impress。我拿出預備好的問題，盡量顯得intelligent。你又會問，聘書已到手，應該很輕鬆，何解我全程都打醒十二分精神，事前又做了那麼多準備工夫？為了保護前途和聲譽啊！若我真的選擇這銀行，�面每個同事對我的印象都會影響我的仕途。我可以拒絕reverse interview的邀請，但若接受了，便要確保這是個替自己加分不是減分的機會。下午六時半，終於見完所有人，全日見了十個人以上。但還未可以放鬆，因為要趕飛機回波士頓，而在這之前，先要在繁忙時間的紐約市中心找到的士去機場。幸好一切順利，十一點前回到家�。躺在床上，累得三秒鐘便昏睡過去。李偉才矢吹丈梁�堅黃明樂柳俊江迷你倉

Source: Daily News, Los AngelesNov.迷你倉 10--What if?Most of us ponder these two words in assessing our own lives, but as the 50th anniversary of the assassination of John F. Kennedy approaches, the question takes on a bewildering number of implications.In the next few weeks, a barrage of new books, DVDs and television specials will appear, focusing on every conceivable angle of the 35th president's life and tragic death. They will join the countless other titles (an estimated 40,000 books alone) already dealing with JFK over the past half-century.PBS will present its 17th biography of President Kennedy, and that's not counting the other programs the network has produced related to his life -- like those on the assassination, conspiracy theories, the March on Washington, the Bay of Pigs, the Cuban Missile Crisis, extramarital affairs, politics, his home life, civil rights issues and his razor-thin win in the 1960 presidential election.So what does this outpouring mean? The Kennedy presidency was a mere 1,036 days. William McKinley was in office for six months into his second term and had presided over the Spanish-American War when he was assassinated in 1901, but when is the last time you heard his name?Kennedy's ascension to the White House can almost be viewed as a series of lucky -- and some unlucky -- breaks. JFK survived combat in World War II, while his older brother Joseph Jr., who was being groomed for public office by their father, did not. He barely won the 1960 election, thanks to some suspicious votes in Illinois giving him the majority of Electoral College votes. A few more drops of rain in Dallas on that day in 1963 might have prevented the assassination.Destiny? Perhaps, but arguably Kennedy's importance today is because his life continues to impact the nation, the world and, in turn, each of our lives. That may sound like a vast overstatement, but JFK's death came at a moment in history when change was in the air and a slight nudge would send the dominoes falling in another direction.The domino theory was, of course, one of the reasons American troops had been sent to fight in Vietnam. The idea was that if that country fell to communism, the rest of Southeast Asia would follow.When Kennedy died, the United States had a limited commitment of troops involved in the conflict. Within two years, the country was embroiled in a stalemated war under JFK's successor, Lyndon B. Johnson, that cost more than 50,000 American lives and divided the nation.Jeff Greenfield is one of those who believes that had Kennedy lived, the Vietnam War wouldn't have happened."It would have had a profound effect on the 1960s," says the longtime television journalist and author, whose new book is "If Kennedy Lived: The First and Second Terms of President John F. Kennedy: An Alternate History."That effect wouldn't have been limited to just foreign policy. Greenfield envisions a different homefront. He says while Woodstock may have happened because of "changing demographics, shifts in sexual mores and the morphing of rock 'n' roll into more sophisticated music," he also believes American youths would not have had reasons to rebel, as they did over the war and draft. The Students for a Democratic Society, a leftist peace-oriented activist group, had even endorsed Johnson in the 1964 election against Barry Goldwater. By 1965, the group had become radicalized over the war."Flag-burning doesn't happen, the Weather Underground doesn't happen, and I don't think an oppositional culture happens the way it did because you don't have the disillusionment that came with Vietnam," says Greenfield.(In the book, he has the president surviving the assassination attempt because continuing rain prevented the removal of the limousine's bubble top.)Had there been no anti-war movement, more idealistic young people might have joined VISTA (Volunteers in Service to America, a federal anti-poverty program) or the Peace Corps or otherwise worked for peaceful social and governmental change, Greenfield and others believe, which possibly could have paved the way for a society more attuned to public service than the one we have now.Either way, the killing did shatter some illusions in this country and opened the door for more suspicions and paranoia about the government; as an example, the theory that Lee Harvey Oswald was the lone gunman was met with skepticism.Ah, speculation, you say, is only for mad men, and, yes, the hit AMC series of that name did have an episode dealing with the assassination. JFK redux has been a popular theme in modern culture, repeatedly finding its way into TV, movie and book plots. "The X-Files" once implied that its nefarious character "Cigarette Smoking Man" was the actual assassin and Oswald his patsy.Theories about the killing continue to run wild. Tonighton the Reelz network is "JFK: The Smoking Gun," which posits that a Secret Service agent behind the president's car killed Kennedy that day in Dealey Plaza in Dallas."The biggest crime scene in America's history," says Colin McLaren, an investigative writer involved with the show, "and it was covered up all the way up to Robert Kennedy, the attorney general."Those involved with PBS' "Nova" installment, "Cold Case: JFK," think that is easily disproved, and that Oswald was the lone gunman. The network commissioned new ballistic tests, a vself storagertual autopsy and 3-D laser scanning to re-create the crime scene.John McAdams, a professor at Marquette University and author of "JFK Assassination Logic: How to Think About Claims of Conspiracy," says there are a lot of advantages psychologically for believing in a conspiracy."Governments do lie to people with some regularity, so you can sort of feel sophisticated (saying): 'I don't buy the official version,'" McAdams says. He adds that many people have trouble believing that history can be affected by small, trivial incidents."The truth is, of course, that strange coincidences can change history," he says.Cautions like that aren't likely to stop conspiracy theorists. Filmmaker Oliver Stone has released a new 20th anniversary DVD version of his controversial film, "JFK," which revolved around the 1969 investigation into the assassination by New Orleans District Attorney Jim Garrison, who believed there was a massive government cover-up."Garrison was -- well, he was a crackpot," McAdams said. "Let's be blunt about it. He was grossly irresponsible. He had almost a different theory every day."Stone, on the other hand, has noted intelligence leaker Edward Snowden's revelations of spying on U.S. citizens; perhaps Garrison, who thought his phones were tapped, wasn't paranoid.Greenfield, who worked for Bobby Kennedy as a junior speechwriter and was in the Ambassador Hotel in Los Angeles when RFK was killed in 1968, believes Oswald acted alone."Part of why there's a Kennedy myth is that he was murdered at the time there was a lot of collective guilt," says the author. "There was this sort of poisonous hatred in America and that was in part responsible for his death. It was hard to believe that a deranged self-taught Marxist with delusions of grandeur killed Kennedy."On the 40th anniversary of the assassination, an ABC News poll found more than 70 percent of the nation believed there was a conspiracy. One taken by The Associated Press in April found that number had dropped to around 60 percent.No doubt it was the sudden and unusual nature of JFK's death -- played out for four days on national television in everyone's living room -- that so powerfully seared those images in people's minds. Even those born long afterward are familiar with the pictures of 3-year-old John F. Kennedy Jr.'s salute to his father at the funeral, Oswald being shot on live TV by Jack Ruby, and Jackie, the president's glamorous, 34-year-old widow, in her bloodstained pink dress..In these ways, the Kennedy assassination anniversary has become something of a nostalgia trip. In September, the Emmy ceremony awkwardly tried to meld a tribute to JFK -- using Walter Cronkite's famous announcement of the president's death -- with the coming of the Beatles to America a few months later. Kennedy was the first president to take advantage of television. Jackie even hosted a famous special in which she showed viewers around the White House, and photographers were always around to take pictures of the Kennedys at work or play.Susan Bellows, producer of "American Experience: JFK," the new two-part PBS biography, says whenever they thought they had seen all of the photos of Kennedy, new ones would show up."There's an incredible amount of amazing imagery out there in part because Kennedy himself was so aware of the importance of that and documenting his world, and he himself was so media savvy and really understood how to use it," Bellows says.Kathleen Kennedy Townsend, RFK's daughter, says she remembers cameras constantly being around the White House."I think President Kennedy had the confidence that what he was doing was worthwhile reporting, and that he wanted people to see because he loved history so much, history in the making," she says of her uncle.Like other icons of the era -- James Dean and Marilyn Monroe -- Kennedy's image is somewhat ethereal. Lives cut short, so promises of tomorrow are gone with the wind. It's difficult to get a fix on who he really was. And over the years, JFK's legacy continues to be reassessed. It seems on an upswing recently because of his handling of the Cuban Missile Crisis, which leaves some to wonder how Kennedy's presidential rival, Richard Nixon, might have handled the confrontation with the Soviet Union had those votes in Illinois not shown up."The reason that a portrait of Kennedy can be so much richer now than it could have been 10 years ago or even five years ago is that John Kennedy taped 260 hours of his conversations, and they weren't available until a year and a half ago," notes "American Experience" producer Tim Naftali, a former director of the Richard Nixon Presidential Library and Museum.Still, secrets about JFK remain, including those author William Manchester obtained in two five-hour interviews with Jackie Kennedy in 1964. The former first lady apparently had second thoughts about what she said to the historian, so the interview tapes are kept under seal at the John F. Kennedy Presidential Library in Boston until 2067.Would it be a different America today had Kennedy lived? Less cynical, less divided? Or would it all be a wash?"Way above my pay scale," says Greenfield, laughing. "That's why I ended my book in 1968."Copyright: ___ (c)2013 Daily News (Los Angeles) Visit the Daily News (Los Angeles) at .dailynews.com Distributed by MCT Information Services迷利倉

近年，self storage電子學習融入校園已經成為大趨勢，但礙於教師對新媒體教學不熟悉及教學材料跟校本課程不銜接等，故學校不敢貿然推行電子學習。HKT education 除利用HKT 自身的網絡系統及技術優勢外，還配合開放平台及提供全面的技術支援，因而獲大埔舊墟公立學校（寶湖道）採用作為推行電子教學，不但提升學生學習的興趣，更大大減輕了教師的工作壓力。大埔舊墟公立學校（寶湖道）數學科教師鄧思雅指，該校是教育局「電子學習試驗計劃」的先導學校之一，最初遇到不少困難： 「學校需要面對維持網絡穩定及資源共享同步等問題，還要依賴出版社將資料放上平台共享，故學校的定位較為被動。另一方面，不同出版社的學習方針也有不同，加上各校校情不同，令教師在設計課程上要花更多時間備課，以達致更佳的教學效果。」配合平板電腦戶外學習輕鬆鄧老師指， 該校自使用了HKT education 電子學習方案後，課堂的模式起了大轉變。她指學生對立體圖形的概念十分模糊，利用電子教學則可讓學生從抽象概念中，透過虛擬化的圖像作多角度的觀察和試驗，從而有助他們掌握及建構相關的概念。她又補充： 「以十三角柱體為例，從前教師難於搜集實物，但現在只要在平板電腦中就可設計出不同的立體加以呈現。」平板電腦更可配合戶外教學，讓學生活學活用，有助他們鞏固知識。鄧老師以教授「方向」一課為例： 「學生拿著平板電腦到學校操場的不同角落，用平板電腦的鏡頭拍下QR Code， 回答不同的問題。此外， 配合HKT education 在全校加強網絡迷你倉穩定性， 教師可透過電腦，即時知道學生回答的問題是否正確，令教師備課及檢討學生成績時更方便。」備課時間短減工作負擔同為數學科教師的陳志松也表示，香港在電子學習方面仍處於起步階段： 「香港雖然普遍支持電子學習，但氣氛未算濃厚。因此，作為先導學校，藉此機會帶出電子學習的好處。」就他所教學科而言，陳老師指HKT education提供的電子學習平台設有雲端儲存系統，讓教師於備課時省卻不少繁複的工作，只要透過雲端科技， 下載題庫內容，就可以輕鬆準備題目。教師更可創建題庫，然後放在雲端上，與其他教師分享及作為參考，他說： 「教師縮短了備課時間，也減輕了他們的工作量及負擔。」開放電子學習平台鄧老師又表示，HKT education 的系統另一特點，是電子學習平台開放，讓不同出版社加盟，一同創建龐大的學習平台，使教育同工能從系統中選取合適的教材教授學生，令課堂更多元化，長遠可讓學校推行一人一機，以平板電腦代替書本上課。提供全方位技術支援談及未來發展，鄧老師說： 「學校將於更多班級試行學生『一人一機』，但現階段首要目標要加強全校教師的培訓。」陳老師則指，教師普遍接受新媒體教學， 再配合HKT 提供全面的技術支援，由專人培訓教師，並負責網絡維修及保養，讓教師於未來學校發展「一人一機」計劃時更得心應手。HKT education 電子學習顧問專線：2888 3632 網址：.hkteducation.com facebook：.facebook.com/HKTeducationmini storage

明年武陵櫻花季日期尚未出爐，mini storage11日武陵農場已開放春節賞櫻訂房，上午8時30分一到，訂房專線立刻癱瘓，官方網站的伺服器也被塞爆，10小時內，所有房間被一掃而空。武陵農場呼籲民眾多使用大眾交通工具，明年將比照今年實施總量管制，細節再公布。春節時分，武陵農場內繽紛櫻花海的美景，讓許多遊客為爭睹「櫻姿」，不顧塞車困擾也要前往朝聖！明年的賞櫻季日期雖尚未確定，但武陵農場昨日搶先開放明年2月的訂房，開放不到4小時，假日全都客滿，春節期間、情人節房間也全被秒殺，不少訂不到房的民眾抱怨，留言寫滿武陵農場的臉書。退輔會武陵農場副場長王金標無奈表示，今年訂房專線已從3線轉為7線，但太多民眾同時來電、上網訂購，是造成市話線路被塞爆，官方網站伺服器當機。有民眾指出，好不容易登入網路訂房系統，但驗證碼輸入方式並非一般的照稿輸入，而是一self storage數學題目，要計算完、輸入解答，才能進入訂房畫面，「真是太麻煩！」例如，登入網頁後，頁面出現一組識別碼97+65（每次登入有不同識別碼），一般只要照碼輸入97+65即可，但武陵農場網頁要求計算出97+65=102，填入102代碼，才能開始訂房手續。但即使手續如此繁複，還是有大批遊客搶著訂房。王金標指出，訂房民眾多是想自行開車上山的遊客，為避免上山道路再次被車潮塞爆，建議遊客可多搭乘大眾交通工具，或訂購梨山地區的旅館，武陵農場將與公路總局研擬設置客運路線及接駁點，將遊客接駁至農場。明年武陵櫻花季時間還沒決定，但受今年總量管制每天5000人入園影響，花季內遊客人數銳減，農場希望明年增加到6000人。去年櫻花因氣候時序紊亂，今年是否再度發生提早開花情況？王金標指出，依往年櫻花開花時序推斷，今年櫻花季預計在2月中旬開始。迷你倉

　　華爾街部分大銀行噚日傳出，迷你倉話要考慮禁止員工使用電腦聊天室，據聞係因為監管當局�審查愈�愈嚴格，近期全球多家大行都受牽連�倫敦銀行同業拆息（LIBOR）操控案，同埋外匯市場操控指控，聽聞有唔少蒐證係由呢�交易員之間�聊天室內容而�。有監管官員更加認為，電腦聊天室係交易員之間串謀同市場操控等違規行為�溫�。　　據《華爾街日報》引述消息人士�報道話，包括摩根大通同瑞士信貸等部分大銀行，已經�度斟緊，索性禁止交易員使用呢�聊天室。另外，據蘇格蘭皇家銀行、巴克萊、瑞銀及花旗等銀行，亦傳出�度評估聊天室�使用，同埋電子溝通方式�控制同監督標準。交換情報或違公平競爭　　近年聊天室已成為交易員互相溝通，以及同客戶溝通時不可或缺的工具。全球好多外匯、商品、股票以及固定收益資產市場�交易員，都一定程度上依賴呢�所謂�多交mini storage商聊天室，用來交換訊息同情報。　　但係近期針對外匯市場操控行為展開調查�包括英國金融操守監管局，仲有瑞士同香港�監管部門都關注。美國司法部已話過，佢��反壟斷部門正在展開相關調查，暗示佢�認為，銀行交易員之間互通訊息，可能涉及妨礙市場�公平競爭。　　又據聞，監管當局調查呢類同行從業員集中�聊天室，係蒐證�重點範圍之一。有媒體曾經報道，調查人員發現，部分聊天記錄顯示，呢�交易員曾經開玩笑，話說佢�有能力影響匯率，而且似乎不當咁同競爭對手共享過消息。　　被捲入調查�蘇格蘭皇家銀行、巴克萊、瑞銀、摩通同花旗，聽講已勒令遭受外匯操控調查�交易員停職。　　摩通嚴格限制聊天室使用已經有好幾個月，近�仲變得愈�愈嚴格。據悉，摩通�度評估，一對一�電話同電子郵件，可唔可以有效取代聊天室多年��角色，明年初之前會完成內部評估。迷你倉

digitalpaper.stdaily.com/http_.kjrb.com/kjrb/html/2013-11/12/content_233034.htm?div=-1...打破砂鍋 只要輕輕摩擦手機，對著手機大聲說話，或者讓手機曬曬太陽就能為手機補充能量，這或成為手機無線充電的新模式。請關注—...迷你倉

內地金融市場長期被國有銀行「隻手遮天」，儲存銀行民營化則有望打破這種壟斷，最終產生「鯰魚效應」，倒逼傳統銀行業務的轉型。東北證券日前發布研報稱，長期來看，由於直接融資市場發展、利率自由化推進和互聯網金融的多重變革，傳統銀行業務面臨巨大挑戰，商業銀行將繼續推進業務轉型來應對，銀行間的分化格局將繼續深化。其中，上市銀行可能將率先推進轉型，而地方性銀行由於資本實力、創新能力和管理方面的壓力可能會受到衝擊。從A股市場來看，銀行股市盈率較低，也並未受到大資金的追捧，究其原因，正是在利率市場化的影響下，銀行息差收窄，利潤下滑，因此銀行股不再受投資者青睞。三季報顯示，16家上市銀行的不良貸款餘額繼續全部環比上升，而且整體季度環比上升的幅度依舊不減，整體資產質量的壓力依舊存在。據東北證券統計，上述銀行的年化的信貸成本為0.5迷你倉%，較去年同期的0.50%基本持平，上升了3個基本點，不同銀行之間則繼續分化；平均淨息差水平則在2.53%左右（按照期初和期末餘額計算），同比下降8個基本點左右。事實上，此類問題也早引起業內警覺。中信銀行行長朱小黃就曾指出，隨�移動技術、社交媒體等新渠道的興起，銀行盈利模式和基本經營資源也在發生變化，過去銀行主要掌握存款、貸款、客戶等資源，未來銀行主要的經營資源將調整成渠道、數據、客戶、技術等。所以銀行在方向上要逐步向新的經營模式調整。此外，商業銀行發展轉型也繼續擺脫對淨息差收入過分依賴。北京大學金融與證券研究中心主任曹鳳岐認為，要持續優化商業結構，大力發展中間業務和多元化業務，大力增加非利息收入，提高非利息收入在總收入中的佔比，逐步擺脫對利差收入的依賴，從而有效地規避經濟發展周期引起的市場風險與信用風險。self storage