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2014-11-14 需求 +閱(yue)讀(du)全文
五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)(yi)(yi)(yi)金(jin)(jin)用(yong)(yong)(yong)人(ren)(ren)(ren)(ren)(ren)單位給(gei)予勞動者的(de)(de)(de)(de)(de)(de)(de)(de)(de)幾種保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)性待遇的(de)(de)(de)(de)(de)(de)(de)(de)(de)合(he)稱,五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)指(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)是(shi)(shi)五(wu)(wu)(wu)種保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian),包括養(yang)老(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)、醫(yi)(yi)療(liao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)、失(shi)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)、工(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)和(he)生育(yu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian);一(yi)(yi)(yi)(yi)(yi)金(jin)(jin)指(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)是(shi)(shi)住房公(gong)積金(jin)(jin)。現(xian)在(zai)(zai)大多(duo)(duo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)上(shang)班(ban)族都在(zai)(zai)按月(yue) 組(zu)織 繳納(na)五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)(yi)(yi)(yi)金(jin)(jin),可(ke)是(shi)(shi)五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)(yi)(yi)(yi)金(jin)(jin)究竟是(shi)(shi)什(shen)么(me)(me)?對未來又(you)有什(shen)么(me)(me)意義?你(ni)了(le)(le)解嗎? 其(qi)中養(yang)老(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)、醫(yi)(yi)療(liao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)和(he)失(shi)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian),這(zhe)三(san)種險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)是(shi)(shi)由(you)(you)企(qi)業(ye)(ye)(ye)和(he)個(ge)(ge)人(ren)(ren)(ren)(ren)(ren)共同繳納(na)的(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)費(fei),工(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)和(he)生育(yu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)完全是(shi)(shi)由(you)(you)企(qi)業(ye)(ye)(ye)承擔的(de)(de)(de)(de)(de)(de)(de)(de)(de),個(ge)(ge)人(ren)(ren)(ren)(ren)(ren)不(bu)需要(yao)(yao)(yao)(yao)繳納(na)。這(zhe)里要(yao)(yao)(yao)(yao)注(zhu)意的(de)(de)(de)(de)(de)(de)(de)(de)(de)是(shi)(shi)五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)是(shi)(shi)法定的(de)(de)(de)(de)(de)(de)(de)(de)(de),而(er)一(yi)(yi)(yi)(yi)(yi)金(jin)(jin)不(bu)是(shi)(shi)法定的(de)(de)(de)(de)(de)(de)(de)(de)(de)。 很多(duo)(duo)人(ren)(ren)(ren)(ren)(ren)會發(fa)現(xian)自(zi)(zi)(zi)己在(zai)(zai)調閱工(gong)(gong)資(zi)明(ming)細的(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)候(hou),總能(neng)(neng)看見五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)(yi)(yi)(yi)金(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)錢(qian)在(zai)(zai)不(bu)斷的(de)(de)(de)(de)(de)(de)(de)(de)(de)累加(jia)可(ke)是(shi)(shi)卻感覺無(wu)法使用(yong)(yong)(yong)它(ta),更別提變現(xian)了(le)(le)。更有甚者更是(shi)(shi)提出(chu)目前(qian)只(zhi)要(yao)(yao)(yao)(yao)現(xian)金(jin)(jin)不(bu)要(yao)(yao)(yao)(yao)五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)(yi)(yi)(yi)金(jin)(jin),確實(shi),五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)(yi)(yi)(yi)金(jin)(jin)是(shi)(shi)工(gong)(gong)資(zi)組(zu)成的(de)(de)(de)(de)(de)(de)(de)(de)(de)重要(yao)(yao)(yao)(yao)部(bu)分,很多(duo)(duo)工(gong)(gong)薪階(jie)層由(you)(you)于五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)(yi)(yi)(yi)金(jin)(jin)交(jiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)多(duo)(duo)拿(na)(na)到(dao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)現(xian)金(jin)(jin)就少了(le)(le),而(er)且五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)(yi)(yi)(yi)金(jin)(jin)就像 風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)投資(zi) 一(yi)(yi)(yi)(yi)(yi)樣,看似定存(cun)(cun)(cun)卻又(you)沒(mei)有定存(cun)(cun)(cun)的(de)(de)(de)(de)(de)(de)(de)(de)(de)收益,不(bu)免惆悵。 養(yang)老(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)(yi)(yi)(yi)般都要(yao)(yao)(yao)(yao)交(jiao)滿(man)15年(nian)(nian)以后(hou)到(dao)退(tui)(tui)休的(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)候(hou)才(cai)能(neng)(neng)終(zhong)生享(xiang)受養(yang)老(lao)金(jin)(jin),所以想拿(na)(na)養(yang)老(lao)金(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)同學(xue)請務必(bi)在(zai)(zai)自(zi)(zi)(zi)己退(tui)(tui)休之前(qian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)15年(nian)(nian)以前(qian)就開始(shi)交(jiao),這(zhe)個(ge)(ge)在(zai)(zai)南京(jing)以外差(cha)不(bu)多(duo)(duo)也是(shi)(shi)這(zhe)樣規(gui)定的(de)(de)(de)(de)(de)(de)(de)(de)(de)如(ru)果你(ni)到(dao)退(tui)(tui)休年(nian)(nian)齡交(jiao)養(yang)老(lao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)不(bu)滿(man)15年(nian)(nian),那等到(dao)你(ni)退(tui)(tui)休的(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)候(hou)國家會把(ba)你(ni)個(ge)(ge)人(ren)(ren)(ren)(ren)(ren)帳戶上(shang)存(cun)(cun)(cun)的(de)(de)(de)(de)(de)(de)(de)(de)(de)8%的(de)(de)(de)(de)(de)(de)(de)(de)(de)養(yang)老(lao)金(jin)(jin)全部(bu)退(tui)(tui)給(gei)你(ni)。 醫(yi)(yi)療(liao)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian),不(bu)是(shi)(shi)所有的(de)(de)(de)(de)(de)(de)(de)(de)(de)病都能(neng)(neng)獲得(de)。社(she)會保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)只(zhi)負責(ze)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障(zhang)我們(men)的(de)(de)(de)(de)(de)(de)(de)(de)(de)基本權益。整容、減肥、增高、近視矯(jiao)正、不(bu)孕不(bu)育(yu)、性功(gong)能(neng)(neng)障(zhang)礙、精神疾病,以上(shang)這(zhe)些(xie)醫(yi)(yi)療(liao)費(fei)用(yong)(yong)(yong),醫(yi)(yi)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)是(shi)(shi)不(bu)管的(de)(de)(de)(de)(de)(de)(de)(de)(de)。此外,如(ru)果不(bu)幸出(chu)了(le)(le)交(jiao)通事(shi)故(gu),或(huo)被歹徒傷(shang)(shang)害,這(zhe)些(xie)都不(bu)在(zai)(zai)醫(yi)(yi)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)范圍內(nei),只(zhi)有在(zai)(zai)公(gong)安(an)機關證明(ming)確實(shi)找不(bu)到(dao)加(jia)害人(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)情況下(xia),才(cai)能(neng)(neng)由(you)(you)醫(yi)(yi)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)暫時(shi)核銷。 失(shi)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)要(yao)(yao)(yao)(yao)交(jiao)滿(man)一(yi)(yi)(yi)(yi)(yi)年(nian)(nian)才(cai)能(neng)(neng)享(xiang)受,一(yi)(yi)(yi)(yi)(yi)般交(jiao)1年(nian)(nian)拿(na)(na)2個(ge)(ge)月(yue),交(jiao)2年(nian)(nian)拿(na)(na)4個(ge)(ge)月(yue),但一(yi)(yi)(yi)(yi)(yi)輩(bei)子最多(duo)(duo)拿(na)(na)24個(ge)(ge)月(yue)。但是(shi)(shi)如(ru)果你(ni)是(shi)(shi)合(he)同沒(mei)到(dao)期自(zi)(zi)(zi)己辭職(zhi)(zhi)走,那就算你(ni)交(jiao)滿(man)了(le)(le)1年(nian)(nian)也享(xiang)受不(bu)到(dao)失(shi)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)。只(zhi)要(yao)(yao)(yao)(yao)是(shi)(shi)自(zi)(zi)(zi)己辭職(zhi)(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de),別說交(jiao)1年(nian)(nian)了(le)(le),就是(shi)(shi)交(jiao)10年(nian)(nian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)失(shi)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian),到(dao)辭職(zhi)(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)候(hou)你(ni)也拿(na)(na)不(bu)到(dao)一(yi)(yi)(yi)(yi)(yi)分錢(qian)。 工(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)(yi)(yi)(yi)般用(yong)(yong)(yong)得(de)較少,但需要(yao)(yao)(yao)(yao)提醒的(de)(de)(de)(de)(de)(de)(de)(de)(de)是(shi)(shi)如(ru)果你(ni)在(zai)(zai)工(gong)(gong)作(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)候(hou)或(huo)者上(shang)下(xia)班(ban)的(de)(de)(de)(de)(de)(de)(de)(de)(de)路上(shang)出(chu)了(le)(le)什(shen)么(me)(me)事(shi),這(zhe)個(ge)(ge)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)就用(yong)(yong)(yong)得(de)上(shang)。 行業(ye)(ye)(ye)分析 發(fa)現(xian),在(zai)(zai)實(shi)踐中很多(duo)(duo)人(ren)(ren)(ren)(ren)(ren)出(chu)了(le)(le)事(shi)不(bu)注(zhu)意保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)存(cun)(cun)(cun)證據(ju),導致自(zi)(zi)(zi)己無(wu)法享(xiang)受工(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian),這(zhe)
2014-11-14 投資理財 +閱讀全文
金融(rong)(rong)(rong)(rong)分析師(shi),全稱:“注冊(ce)金融(rong)(rong)(rong)(rong)分析師(shi)”或“特許金融(rong)(rong)(rong)(rong)分析師(shi)”(Chartered Financial Analyst),簡稱CFA,cfa考試是(shi)國(guo)際通行的(de)金融(rong)(rong)(rong)(rong)投資從(cong)業(ye)者專(zhuan)業(ye)資格(ge)認(ren)證,是(shi)美國(guo)以及全世(shi)界(jie)公認(ren)金融(rong)(rong)(rong)(rong)證券業(ye)最高認(ren)證書(shu),也(ye)是(shi)全美重量級財務金融(rong)(rong)(rong)(rong)機構的(de)分析從(cong)業(ye)人員(yuan)必備證書(shu)。
2014-11-14 金融 +閱(yue)讀全(quan)文
縱觀(guan)商(shang)鋪(pu)(pu)市場(chang),雖然種類復雜(za),項目(mu)繁多(duo),但在售項目(mu)主要分(fen)為(wei)綜合(he)體商(shang)鋪(pu)(pu)、底商(shang)、街鋪(pu)(pu)以及專(zhuan)業(ye)市場(chang)幾(ji)個類別。投資者選擇的商(shang)鋪(pu)(pu)類型(xing)多(duo)為(wei)綜合(he)體商(shang)鋪(pu)(pu)和底商(shang)兩類。
2014-11-14 風險投資 +閱讀(du)全文
金融(rong)市場(chang)的(de)基本(ben)功能就是(shi)把(ba)資金供(gong)給者的(de)資金融(rong)通(tong)到(dao)希望得(de)到(dao)資金的(de)需求(qiu)一(yi)(yi)方(fang)。觸通(tong)資金的(de)方(fang)式有兩(liang)種,一(yi)(yi)種是(shi)間(jian)接融(rong)通(tong),是(shi)指積累了盈(ying)余資金的(de)個人或組織將資金存(cun)在銀行,銀行再將資金貸(dai)給資金需求(qiu)的(de)一(yi)(yi)方(fang)
2014-11-14 金融市場 +閱讀全文
金(jin)融(rong)(rong)(rong)市(shi)場(chang)(chang)(chang)學識研究市(shi)場(chang)(chang)(chang)經(jing)濟條件下各(ge)個金(jin)融(rong)(rong)(rong)子市(shi)場(chang)(chang)(chang)的運(yun)行(xing)機(ji)制及其(qi)各(ge)主(zhu)體(ti)行(xing)為的科學。金(jin)融(rong)(rong)(rong)市(shi)場(chang)(chang)(chang)既是一(yi)個有形(xing)市(shi)場(chang)(chang)(chang),又(you)是一(yi)個無(wu)形(xing)市(shi)場(chang)(chang)(chang);同時又(you)是一(yi)個市(shi)場(chang)(chang)(chang)體(ti)系(xi)。金(jin)融(rong)(rong)(rong)市(shi)場(chang)(chang)(chang)在現(xian)代市(shi)場(chang)(chang)(chang)經(jing)濟體(ti)系(xi)中處于核(he)心地位(wei)。
2014-11-14 金融市場 +閱(yue)讀(du)全文
互聯(lian)(lian)網(wang)(wang)金融(rong)忽如(ru)一(yi)夜春風(feng)來(lai),A股市場上的互聯(lian)(lian)網(wang)(wang)金融(rong)概(gai)念股一(yi)片“紅彤彤”。 支付寶、財(cai)付通這兩大支付平臺(tai)今后將與更多的基金公司(si)合作,或許(xu)也意味(wei)著(zhu)將會出現越來(lai)越多的互聯(lian)(lian)網(wang)(wang)金融(rong)概(gai)念股。那么對投資者而言,該如(ru)何尋覓下一(yi)波的互聯(lian)(lian)網(wang)(wang)金融(rong)概(gai)念股?
2014-11-14 互聯網金融 +閱讀全文(wen)
隨(sui)著全(quan)球網(wang)絡經(jing)濟的(de)(de)迅速(su)發展(zhan),網(wang)絡金融(rong)、網(wang)上(shang)購物消費、網(wang)絡銀行等電子商務的(de)(de)發展(zhan)如雨后春筍。對(dui)于在(zai)全(quan)球網(wang)絡市場發展(zhan)最快的(de)(de)中(zhong)國來說,外資銀行看到(dao)了(le)這(zhe)塊巨大的(de)(de)市場,他們紛(fen)紛(fen)登陸(lu)中(zhong)國。以(yi)互聯網(wang)為代表的(de)(de)現代信息科技,特(te)別(bie)是移(yi)動(dong)支付、社交網(wang)絡
2014-11-14 互聯網金融 +閱讀全文
量(liang)化(hua)(hua)投(tou)資就是借助現代統計學、數(shu)(shu)(shu)學的(de)(de)(de)方法,從海量(liang)歷(li)史數(shu)(shu)(shu)據(ju)中(zhong)尋找(zhao)能夠帶來超額收益(yi)的(de)(de)(de)多種“大概率”策略,并(bing)紀律嚴明地按照(zhao)這些策略所構建(jian)的(de)(de)(de)數(shu)(shu)(shu)量(liang)化(hua)(hua)模型來指導投(tou)資,力求取得(de)穩(wen)定(ding)的(de)(de)(de)、可持續(xu)的(de)(de)(de)、高于平均的(de)(de)(de)超額回報。量(liang)化(hua)(hua)投(tou)資屬主動投(tou)資范疇,本質是定(ding)性投(tou)資的(de)(de)(de)數(shu)(shu)(shu)量(liang)化(hua)(hua)實踐,理論基(ji)礎均為市場(chang)的(de)(de)(de)非有效性或弱有效性。
2014-11-14 風險投資 +閱讀全文
價(jia)(jia)值(zhi)投資就是在(zai)(zai)一(yi)家公司的(de)(de)(de)(de)市(shi)場價(jia)(jia)格相對(dui)于它(ta)(ta)的(de)(de)(de)(de)內在(zai)(zai)價(jia)(jia)值(zhi)大打折扣時買入其股份,內在(zai)(zai)價(jia)(jia)值(zhi)是一(yi)個非常重要的(de)(de)(de)(de)概念,它(ta)(ta)為評估(gu)投資和企業的(de)(de)(de)(de)相對(dui)吸引力(li)提供了唯一(yi)的(de)(de)(de)(de)邏(luo)輯(ji)手段。內在(zai)(zai)價(jia)(jia)值(zhi)在(zai)(zai)理論上(shang)的(de)(de)(de)(de)定(ding)義(yi)很(hen)簡(jian)單:它(ta)(ta)是一(yi)家企業在(zai)(zai)其余下(xia)的(de)(de)(de)(de)壽(shou)命史中可以(yi)產生的(de)(de)(de)(de)現金(jin)的(de)(de)(de)(de)折現值(zhi)。
2014-11-14 風險投資 +閱讀(du)全文
