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在中美大博弈的这段日子里，你要的是创新的领导者
https://books.google.com.sg/books?id=ExILEAAAQBAJ&pg=PT247&lpg=PT247&dq=%E5%8D%8E%E4%BE%A8%E9%93%B6%E8%A1%8C%E9%9B%86%E5%9B%A2%E9%A6%96%E5%B8%AD%E6%89%A7%E8%A1%8C%E5%AE%98%E9%BB%84%E7%A2%A7%E5%A8%9F&source=bl&ots=O8oa5S4Cnl&sig=ACfU3U2tXYrfm9d40WRqQ-cIkIbOoxExCw&hl=en&sa=X&ved=2ahUKEwiv8tmY4YD_AhVf2TgGHVzFAVU4HhDoAXoECBwQAw#v=onepage&q=%E5%8D%8E%E4%BE%A8%E9%93%B6%E8%A1%8C%E9%9B%86%E5%9B%A2%E9%A6%96%E5%B8%AD%E6%89%A7%E8%A1%8C%E5%AE%98%E9%BB%84%E7%A2%A7%E5%A8%9F&f=false
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https://www.caus.com/detail/33965
作为东南亚最大的银行之一，OCBC一直致力于扩大其在亚洲的业务范围。大中华区域作为世界第二大经济体，拥有巨大的市场潜力和商机，因此吸引了OCBC等银行机构的关注。
OCBC通过在中国大陆、香港、台湾和其他大中华区域设立分支机构和合资企业，加强了其在这个地区的业务能力。该银行致力于为高净值客户提供综合的财富管理服务，并为中小型企业提供全面的企业银行服务。
OCBC在大中华区域的业务扩张还包括与当地合作伙伴建立战略合作关系，加强业务网络和渠道的覆盖范围，以满足客户的需求。此外，OCBC还积极参与大中华区域的金融科技创新，以提供更先进的金融解决方案和数字化服务。
it is ready to ride china's recovery in 2025
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首先，中国拥有庞大的人口和广阔的市场。中国有超过14亿人口，这意味着它拥有一个庞大的内需市场。中国经济转型注重加强消费驱动型增长，鼓励国内消费，这将为中国提供持续的经济增长动力。
其次，中国在科技和创新领域取得了巨大进展。中国政府提出了“创新驱动、知识型、人才密集型”的发展战略，并加大了对科技研发的投资。中国的高科技公司在人工智能、5G、电子商务等领域取得了重要突破，这些创新将为中国经济注入新的活力，并推动全球科技进步。
第三，中国在全球贸易中的地位日益提高。中国是世界上最大的出口国和第二大进口国，与世界各地保持着广泛的贸易联系。中国积极参与国际贸易体系的建设，推动了一系列自由贸易协定的签署，如区域全面经济伙伴关系协定（RCEP）和中欧投资协定（CAI），这将进一步促进中国与其他国家的经济合作。
最后，中国的基础设施建设和城市化进程仍在继续。中国在交通、能源、通信等领域投资巨大，并致力于提高基础设施的质量和效率。这将有助于提升中国的竞争力，并促进经济的可持续增长。
尽管中国面临一些挑战，如人口老龄化、环境问题和收入差距等，但中国政府已采取一系列政策来应对这些挑战，并努力实现经济结构的转型升级。因此，可以认为中国在全球经济中仍将是一个关键的增长引擎，对全球经济的稳定和繁荣发挥重要作用。
http://sg.mofcom.gov.cn/article/jrkj/zdx...7449.shtml
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the us debt drama will soon settle if the two parties screw up the american livelihood then they will be thrown up so it is in no one interest to delay the drama till oct 2023
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three years of self imposed lockdown until 2022 now
https://www.hsbc.com/insight/topics/made-for-china
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銀行在這方面扮演著關鍵角色，因為它們可以提供資金和金融工具，幫助企業實現減排目標並轉向更可持續的經濟模式。
支持重點行業客戶向淨零排放過渡，意味著銀行願意與這些行業合作，推動可持續發展和綠色轉型。這些重點行業可能包括能源、交通、製造業等對碳排放貢獻較大的部門。通過提供資金、貸款、投資和專業建議，銀行可以協助這些行業減少溫室氣體排放，並採取其他環境友好的做法。
銀行可能會與客戶合作，制定減排目標和時間表，並提供相應的金融支持。這包括提供貸款和資本投資，以幫助企業進行技術升級、能源效率改進和轉型到低碳能源源。銀行還可以提供金融產品，例如綠色債券或可持續發展債券，以籌集資金來支持可持續項目。
支持重點行業客戶向淨零排放過渡不僅有助於減少碳排放，還有助於企業轉型為更具競爭力和可持續的企業。這樣的轉型可以增加市場份額、降低運營成本並減少環境風險。同時，這也符合社會和投資者對可持續發展的需求，有助於增加企業的社會形象和價值。
總而言之，銀行支持重點行業客戶向淨零排放過渡是一個重要的舉措，有助於實現氣候目標，促進可持續發展，並創造更加環保和可持續的
https://news.cnyes.com/news/id/4995289
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人民币国际化是指中国人民币在国际上的使用和认可程度的提升。自2009年以来，中国一直在积极推动人民币国际化，并取得了一定的进展。
在过去的几年里，中国政府采取了一系列措施来促进人民币在国际贸易和金融领域的使用。其中包括扩大人民币的跨境使用范围，提供更多的离岸人民币市场，签订与其他国家的货币互换协议，以及设立人民币清算银行和人民币离岸中心等。
这些努力已经带来了一些成果。目前，人民币已成为全球使用第五广泛的支付货币，人民币离岸市场也得到了快速发展。此外，越来越多的国家和地区在贸易结算、外汇储备和国际债务发行等方面开始使用人民币。
然而，人民币国际化仍然面临一些挑战。其中之一是人民币的流动性和稳定性问题。人民币的流动性和市场规模相对较小，与主要国际货币如美元和欧元相比还有一定的差距。此外，人民币的汇率受到中国政府的严格管制，这也限制了人民币在国际市场上的自由流通。
尽管如此，中国政府仍然致力于推进人民币国际化。人民币的国际使用将有助于提高中国的金融地位和影响力，促进国际贸易和投资的便利化，以及降低中国在国际贸易中的风险暴露。
总的来说，人民币国际化是一个长期而复杂的过程，尽管还面临挑战，但中国政府将继续推动相关改革和开放，以加快人民币的国际化进程。
https://m.21jingji.com/article/20180619/...59457.html
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http://finance.people.com.cn/n1/2023/033...55430.html
绿色金融业务的发展对经济、环境和社区的可持续发展至关重要。为了支持绿色金融，制定绿色信贷战略目标是一项重要举措。以下是一些可能的战略目标和行动措施：
促进绿色金融产品和服务的创新：鼓励金融机构开发和推出绿色金融产品，例如绿色贷款、绿色债券、可再生能源融资等。提供支持绿色项目的融资渠道，并确保这些产品和服务符合可持续发展的标准。
建立绿色金融准则和标准：积极参与制定和推广国际和行业标准，以规范绿色金融业务的实践。确保透明度和合规性，为投资者提供可靠的信息，使其能够做出明智的绿色投资决策。
支持绿色项目和企业的发展：为符合可持续发展目标的项目和企业提供贷款和资金支持。建立绿色信贷政策和指导方针，确保项目的环境和社会影响得到评估，并鼓励金融机构将资金投向这些绿色项目。
提供技术和专业知识支持：为金融机构提供技术和专业知识支持，帮助他们评估和管理绿色风险，提高绿色金融业务的能力和可持续性。
加强合作与合作伙伴关系：促进金融机构、政府、国际组织、非政府组织和其他利益相关者之间的合作。共同制定和实施可持续发展的倡议和项目，推动绿色金融业务的发展。
通过积极制定绿色信贷战略目标，并采取相应的行动措施，可以促进绿色金融业务的发展，支持经济、环境和社区的可持续发展。这将有助于推动低碳经济转型，减少对环境的不良影响，同时为投资者提供可持续和有益的投资机会。
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http://www.app.dawuhanapp.com/wuhan/p/21273707.html
华侨银行通过以下方式构建跨境金融桥梁：
跨境银行业务：华侨银行通过在多个国家设立分支机构和子公司，提供各种银行产品和服务，包括贷款、融资、国际支付、资金管理等。这使得华侨银行能够满足客户在不同国家之间的跨境金融需求。
跨境贸易金融：华侨银行通过提供跨境贸易金融服务，支持企业进行国际贸易。这包括为进出口企业提供融资、担保、支付和结算等服务，以降低贸易风险并促进贸易活动。
外汇和汇款服务：华侨银行提供外汇兑换和跨境汇款服务，方便个人和企业进行国际资金转移和支付。这为客户提供了便捷的渠道，使他们能够跨越国家边界进行资金流动。
跨境投资和理财：作为一家全球性的金融机构，华侨银行为客户提供跨境投资和理财产品。这包括股票、债券、基金等各类资产，帮助客户在不同国家的市场中获取投资机会并实现资产配置。
跨国公司服务：华侨银行通过为跨国公司提供综合金融解决方案，帮助企业在全球范围内管理资金、风险和流动性。这些解决方案包括现金管理、融资、外汇风险管理等，以满足跨国公司的多元化需求。
通过以上方式，华侨银行致力于成为跨境金融领域的重要参与者和合作伙伴，促进不同国家和地区之间的金融合作和交流，推动经济的跨国发展。
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https://www.rand.org/pubs/perspectives/PEA2510-1.html
how can the sharp increase in the tension between the west led by us versus china and russia be reduced after us debt ceilings are lifted
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https://www.theedgesingapore.com/news/re...ps-sponsor
The specific details of a REIT recapitalization can vary depending on the goals and circumstances of the REIT. Some common reasons for recapitalizations include:
Debt reduction: A REIT may choose to recapitalize to reduce its overall debt burden or extend the maturity of its existing debt. This can improve its financial flexibility and reduce interest expenses.
Acquisitions and expansion: Recapitalizations can provide additional funds for a REIT to pursue acquisitions or expand its real estate portfolio. By raising capital, a REIT can take advantage of investment opportunities in the market.
Balance sheet optimization: Recapitalizations can be undertaken to optimize a REIT's balance sheet, adjusting the mix of debt and equity to achieve a more favorable capital structure.
Shareholder value enhancement: Recapitalizations may be conducted to enhance shareholder value by returning capital to shareholders through share repurchases or special dividends.
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artificial intelligence (AI) and virtual and augmented reality (VR and
AR) have always been an important part of our Technology Super-
trend. It is now really exciting to see real breakthroughs and uses
for these technologies in our digital-first world. While chatbots have
grabbed the spotlight, we expect to see AI deployed in every-
thing from education and construction to food services, healthcare
and retail. We also see a lot of potential for AR/VR, as the Meta-
verse and Web3 transform the internet into a fully immersive and
seamless 3D environment
Education: AI can personalize learning experiences, provide intelligent tutoring, and assist in grading and assessments. VR/AR can create immersive educational simulations, virtual field trips, and interactive 3D learning environments.
Construction: AI can optimize project management, automate repetitive tasks, and improve safety monitoring. VR/AR can facilitate architectural visualization, virtual walkthroughs, and on-site training simulations.
Food Services: AI can enhance customer service through chatbots and recommendation systems. VR/AR can offer interactive menus, virtual dining experiences, and kitchen staff training simulations.
Healthcare: AI can aid in diagnosing diseases, predicting patient outcomes, and managing medical data. VR/AR can assist in surgical planning, medical training, pain management, and therapy for mental health conditions.
Retail: AI can personalize customer experiences, optimize inventory management, and enable intelligent product recommendations. VR/AR can create virtual stores, try-on experiences, and immersive product demonstrations.
MetaVerse and Web3: The convergence of AI, VR, and AR in the Metaverse and Web3 can revolutionize online experiences. Users can interact in virtual worlds, create digital assets, and engage in immersive social and economic activities.
These technologies have the potential to enhance productivity, improve decision-making, and transform how we interact with digital content and physical environments. As AI continues to advance, its integration with VR and AR will likely open up new possibilities for innovation and create more seamless and immersive experiences in various sectors.
as singapore becomes a ageing society ,we see this supertrend emerging in coming days
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cost of living crisis in 2023
There are several companies and initiatives working towards lowering the costs of basic needs and addressing affordability issues in the face of high inflation. Here are a few examples:
Feeding America: Feeding America is a non-profit organization that operates a network of food banks across the United States. They work to alleviate hunger and reduce food waste by collecting and distributing surplus food to those in need. By providing access to affordable or free food, they help address the cost burden of food for vulnerable populations.
Habitat for Humanity: Habitat for Humanity is a non-profit organization that helps people build and improve their homes. They work with volunteers, partner organizations, and homeowners to provide affordable housing solutions through programs such as sweat equity, zero-interest mortgages, and cost-effective construction methods.
One Medical: One Medical is a membership-based primary care platform that aims to make quality healthcare more accessible and affordable. They offer a range of services, including virtual visits, same-day appointments, and 24/7 access to a team of healthcare professionals. By streamlining the healthcare experience and reducing administrative costs, they strive to lower the overall cost of care.
SolarCity (now part of Tesla): SolarCity, a subsidiary of Tesla, focuses on providing affordable solar energy solutions to homeowners and businesses. By offering solar panel installations, energy storage systems, and other renewable energy products, they help reduce energy costs and dependence on traditional power sources.
Coursera: Coursera is an online learning platform that offers a wide range of courses and programs from top universities and institutions worldwide. They provide access to high-quality education at a fraction of the cost of traditional educational programs. By democratizing education and eliminating geographical barriers, Coursera helps make learning more affordable and accessible.
GoodRx: GoodRx is a digital platform that helps consumers find and compare prescription drug prices. They provide coupons and discounts that can significantly lower the cost of medications. GoodRx helps individuals save money on their healthcare expenses by enabling them to make informed decisions about their prescriptions.
These are just a few examples of companies and initiatives working towards lowering the costs of basic needs. It's important to note that the availability and reach of these solutions may vary depending on the country or region. Additionally, government programs, non-profit organizations, and community initiatives also play a crucial role in addressing affordability issues and supporting those in need.
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Rising prices, especially for essential goods such as energy and food, can have a significant impact on low-income households. The reason behind this is that low-income households tend to allocate a larger proportion of their income towards necessities like food, energy, and shelter compared to middle- or high-income households. As a result, any increase in the prices of these essential items places a heavier burden on their overall budget.
When prices rise, low-income households often face difficulties in meeting their basic needs. They may have to allocate a larger portion of their income to cover the increased costs of food and energy, leaving less money available for other essential expenses like healthcare, education, or transportation. In some cases, they may even be forced to make difficult trade-offs, such as cutting back on the quality or quantity of food they consume, compromising on heating or cooling their homes adequately, or sacrificing other necessities to make ends meet.
Additionally, low-income households typically have limited financial resources and minimal savings. This lack of financial cushion makes them more vulnerable to unexpected price hikes. Unlike middle- or high-income households, they may not have the means to absorb the impact of rising prices without experiencing severe financial strain or hardship.
The disproportionate impact of rising prices on low-income households can contribute to the widening of income inequality and perpetuate the cycle of poverty. It underscores the need for policies and support systems that address the specific challenges faced by these households, such as targeted social assistance programs, subsidies for essential goods and services, and initiatives aimed at increasing their earning potential and improving their overall financial stability.
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Impact on living standards: Slower economic growth and high inflation can erode people's purchasing power and standards of living. As prices rise faster than incomes, individuals may find it harder to afford essential goods and services, leading to increased financial stress and frustration.
Unemployment and job security: Slower economic growth may result in fewer job opportunities and higher unemployment rates. This can create anxiety among citizens who fear losing their jobs or struggle to find new employment. Concerns about job security further contribute to frustration and worry.
Decreased investment and business expansion: When economic growth slows, businesses may become hesitant to invest and expand operations. This can limit job creation, hinder innovation, and restrict economic opportunities. Citizens may worry about the lack of new job prospects and potential economic stagnation.
Higher cost of borrowing: In a high inflation environment, central banks often respond by increasing interest rates to curb inflationary pressures. This can make borrowing more expensive for individuals and businesses, affecting housing affordability, business investment, and overall economic activity.
To address these concerns, governments and policymakers can consider several measures:
Stabilizing inflation: Central banks can implement monetary policies aimed at reducing inflationary pressures. These measures may include raising interest rates, reducing money supply growth, or using other tools to manage inflation expectations and restore confidence.
Promoting economic growth: Governments can implement fiscal policies to stimulate economic activity. This may involve increasing public spending on infrastructure projects, providing tax incentives to businesses, or implementing policies that encourage entrepreneurship and innovation.
Enhancing job creation: Governments can focus on promoting job creation by providing incentives to businesses, investing in education and training programs, and supporting industries with growth potential. This can help alleviate unemployment concerns and provide citizens with more opportunities for secure employment.
Social safety nets: Governments can strengthen social safety nets to protect vulnerable populations from the impact of slower economic growth and inflation. This may involve expanding unemployment benefits, implementing targeted assistance programs, and investing in healthcare and education to support citizens during challenging times.
Transparency and communication: It is crucial for governments and policymakers to maintain transparent and open communication with citizens. This includes providing clear explanations of the economic challenges, discussing policy responses, and engaging in dialogue to address concerns and build trust.
Addressing the frustrations and worries caused by slowing economic growth and elevated inflation requires a combination of monetary, fiscal, and social policies. By implementing appropriate measures, governments can work towards stabilizing the economy, fostering growth, and addressing the concerns of citizens.
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When inflation rates are high, it can affect the purchasing power of consumers. Inflation refers to the general increase in prices of goods and services over time, leading to a decrease in the value of money. As a result, consumers may need to allocate their financial resources more carefully and become more conscious of their spending, thus adopting budgeting strategies.
When faced with high inflation, consumers might experience a reduction in their real income, as the rising prices can outpace wage growth. In such circumstances, individuals and households may need to adjust their spending habits and prioritize essential expenses. This could involve creating detailed budgets, tracking expenses, seeking out cost-saving measures, and making more informed purchasing decisions.
The extent to which consumers become "budgeteers" during periods of high inflation will depend on various factors such as the severity and duration of inflation, the availability of alternative goods or services at lower prices, individual financial circumstances, and consumer behavior patterns. Additionally, government policies and interventions can also influence how consumers respond to inflationary pressures.
It's worth noting that high inflation is generally considered an unfavorable economic condition as it erodes the value of money and can disrupt economic stability. Central banks and policymakers often aim to control inflation through monetary policies to maintain price stability and promote sustainable economic growth.
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With the end of China's zero-COVID policy, it is expected that there will be a substantial increase in domestic passenger travel within China. This means that more Chinese people will be traveling within their own country, exploring various domestic destinations.
Additionally, there will likely be a pronounced pick-up in travel activity in regions that are popular among Chinese tourists. These regions include Singapore, South Korea, Japan, and Thailand, among others. As China eases its travel restrictions, Chinese tourists are likely to resume their international travel to these favored destinations.
The increased presence of Chinese tourists in these regions could have a positive impact on their tourism industries. Businesses in the hospitality, transportation, and tourism sectors may experience a boost in revenue and activity. Chinese tourists are known for their spending power, so their return could provide a welcome economic stimulus to these countries.
It's important to note that the actual outcome of global tourism in 2023 will depend on various factors, including the ongoing pandemic situation, travel restrictions(visa free travels), vaccination rates, and the policies of individual countries. Changes in any of these factors could influence the extent to which Chinese tourists return to international travel and the overall recovery of the tourism industry.
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established digital ecosystems like e-commerce and digital payments have indeed continued to gain traction in recent years. These ecosystems have significantly transformed the way businesses operate and consumers engage in transactions. Here are some key points regarding their continued growth:
E-commerce: Online shopping has experienced tremendous growth, with more consumers embracing the convenience and accessibility it offers. Established e-commerce platforms such as Amazon, Alibaba, and eBay continue to expand their reach globally and attract a large customer base. Additionally, many traditional brick-and-mortar retailers have established their online presence to cater to the growing demand for online shopping.
Digital Payments: The adoption of digital payment methods has witnessed a significant surge as consumers increasingly prefer the convenience and security offered by these systems. Well-known digital payment platforms like PayPal, Venmo, and Apple Pay have become widely accepted, and numerous countries have introduced their digital payment solutions. Moreover, the emergence of blockchain technology has led to the rise of cryptocurrencies like Bitcoin, which have gained popularity as an alternative form of digital payment.
Mobile Commerce: The proliferation of smartphones has played a vital role in the growth of digital ecosystems. Mobile commerce, or m-commerce, allows consumers to make purchases and conduct financial transactions through mobile devices. Established e-commerce platforms and digital payment providers have developed dedicated mobile apps to enhance the user experience and tap into the growing mobile user base.
Integration and Partnerships: To further strengthen their presence and cater to evolving customer needs, established digital ecosystems have forged partnerships and integrated with various other services. For example, e-commerce platforms often integrate with logistics and delivery services to offer seamless end-to-end solutions. Digital payment providers collaborate with banks, retailers, and other businesses to expand their acceptance and provide added value to consumers.
Trust and Security: As digital ecosystems continue to gain traction, trust and security have become paramount. Established players invest heavily in secure infrastructure, encryption technologies, and fraud prevention measures to protect user information and financial transactions. This focus on security helps build consumer trust and confidence in using these digital platforms.
Overall, the sustained growth and success of established digital ecosystems like e-commerce and digital payments can be attributed to their ability to offer convenience, accessibility, and enhanced user experiences. As technology advances and consumer behaviors continue to evolve, these ecosystems are likely to further innovate and expand their reach in the future.
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