金融(rong)(rong)分(fen)析師，全稱：“注(zhu)冊金融(rong)(rong)分(fen)析師”或“特許金融(rong)(rong)分(fen)析師”(Chartered Financial Analyst)，簡稱CFA，cfa考試是(shi)(shi)國際通行的金融(rong)(rong)投(tou)資從業(ye)(ye)者(zhe)專(zhuan)業(ye)(ye)資格(ge)認(ren)證(zheng)，是(shi)(shi)美(mei)國以及全世界公認(ren)金融(rong)(rong)證(zheng)券業(ye)(ye)最高認(ren)證(zheng)書，也是(shi)(shi)全美(mei)重量級財務金融(rong)(rong)機構的分(fen)析從業(ye)(ye)人(ren)員(yuan)必(bi)備(bei)證(zheng)書。
2014-11-14 金融 +閱讀全(quan)文
五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)金(jin)(jin)用(yong)人(ren)(ren)單位給予勞動者(zhe)的(de)(de)(de)(de)(de)(de)(de)幾種保(bao)(bao)(bao)(bao)(bao)障性待(dai)遇(yu)的(de)(de)(de)(de)(de)(de)(de)合稱(cheng)，五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)指的(de)(de)(de)(de)(de)(de)(de)是(shi)(shi)(shi)(shi)五(wu)(wu)(wu)種保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，包括養(yang)(yang)(yang)老(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、醫(yi)(yi)療保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、失(shi)(shi)業(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、工(gong)(gong)傷保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)和生育保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)；一(yi)(yi)金(jin)(jin)指的(de)(de)(de)(de)(de)(de)(de)是(shi)(shi)(shi)(shi)住房公積金(jin)(jin)。現(xian)(xian)(xian)在(zai)(zai)大多的(de)(de)(de)(de)(de)(de)(de)上(shang)(shang)班(ban)族(zu)都在(zai)(zai)按(an)月(yue) 組織 繳(jiao)(jiao)納五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)金(jin)(jin)，可是(shi)(shi)(shi)(shi)五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)金(jin)(jin)究(jiu)竟是(shi)(shi)(shi)(shi)什么？對未(wei)來又有什么意義(yi)？你(ni)(ni)(ni)了(le)(le)(le)解(jie)嗎(ma)？ 其中(zhong)(zhong)養(yang)(yang)(yang)老(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、醫(yi)(yi)療保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)和失(shi)(shi)業(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，這(zhe)三種險(xian)(xian)(xian)(xian)(xian)(xian)(xian)是(shi)(shi)(shi)(shi)由(you)企(qi)業(ye)和個(ge)人(ren)(ren)共同(tong)繳(jiao)(jiao)納的(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)費，工(gong)(gong)傷保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)和生育保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)完全(quan)是(shi)(shi)(shi)(shi)由(you)企(qi)業(ye)承(cheng)擔的(de)(de)(de)(de)(de)(de)(de)，個(ge)人(ren)(ren)不(bu)(bu)(bu)需(xu)要(yao)(yao)繳(jiao)(jiao)納。這(zhe)里要(yao)(yao)注意的(de)(de)(de)(de)(de)(de)(de)是(shi)(shi)(shi)(shi)五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)是(shi)(shi)(shi)(shi)法(fa)定的(de)(de)(de)(de)(de)(de)(de)，而一(yi)(yi)金(jin)(jin)不(bu)(bu)(bu)是(shi)(shi)(shi)(shi)法(fa)定的(de)(de)(de)(de)(de)(de)(de)。 很(hen)(hen)多人(ren)(ren)會發(fa)現(xian)(xian)(xian)自(zi)(zi)己(ji)在(zai)(zai)調閱工(gong)(gong)資明細(xi)的(de)(de)(de)(de)(de)(de)(de)時候(hou)(hou)，總能(neng)(neng)看見五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)金(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)錢在(zai)(zai)不(bu)(bu)(bu)斷(duan)的(de)(de)(de)(de)(de)(de)(de)累加可是(shi)(shi)(shi)(shi)卻感覺無(wu)法(fa)使用(yong)它，更別提變現(xian)(xian)(xian)了(le)(le)(le)。更有甚者(zhe)更是(shi)(shi)(shi)(shi)提出(chu)目前只(zhi)要(yao)(yao)現(xian)(xian)(xian)金(jin)(jin)不(bu)(bu)(bu)要(yao)(yao)五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)金(jin)(jin)，確實(shi)，五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)金(jin)(jin)是(shi)(shi)(shi)(shi)工(gong)(gong)資組成的(de)(de)(de)(de)(de)(de)(de)重要(yao)(yao)部分(fen)，很(hen)(hen)多工(gong)(gong)薪階層由(you)于五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)金(jin)(jin)交(jiao)(jiao)(jiao)(jiao)的(de)(de)(de)(de)(de)(de)(de)多拿(na)到(dao)的(de)(de)(de)(de)(de)(de)(de)現(xian)(xian)(xian)金(jin)(jin)就(jiu)少了(le)(le)(le)，而且五(wu)(wu)(wu)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)金(jin)(jin)就(jiu)像 風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)投資 一(yi)(yi)樣(yang)，看似(si)定存卻又沒有定存的(de)(de)(de)(de)(de)(de)(de)收益，不(bu)(bu)(bu)免惆悵。 養(yang)(yang)(yang)老(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)般都要(yao)(yao)交(jiao)(jiao)(jiao)(jiao)滿(man)15年(nian)(nian)以(yi)后到(dao)退(tui)休(xiu)的(de)(de)(de)(de)(de)(de)(de)時候(hou)(hou)才能(neng)(neng)終(zhong)生享(xiang)(xiang)受(shou)養(yang)(yang)(yang)老(lao)金(jin)(jin)，所以(yi)想拿(na)養(yang)(yang)(yang)老(lao)金(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)同(tong)學請務必在(zai)(zai)自(zi)(zi)己(ji)退(tui)休(xiu)之前的(de)(de)(de)(de)(de)(de)(de)15年(nian)(nian)以(yi)前就(jiu)開始交(jiao)(jiao)(jiao)(jiao)，這(zhe)個(ge)在(zai)(zai)南京以(yi)外(wai)差(cha)不(bu)(bu)(bu)多也是(shi)(shi)(shi)(shi)這(zhe)樣(yang)規定的(de)(de)(de)(de)(de)(de)(de)如(ru)果(guo)你(ni)(ni)(ni)到(dao)退(tui)休(xiu)年(nian)(nian)齡交(jiao)(jiao)(jiao)(jiao)養(yang)(yang)(yang)老(lao)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)不(bu)(bu)(bu)滿(man)15年(nian)(nian)，那等到(dao)你(ni)(ni)(ni)退(tui)休(xiu)的(de)(de)(de)(de)(de)(de)(de)時候(hou)(hou)國家會把你(ni)(ni)(ni)個(ge)人(ren)(ren)帳(zhang)戶上(shang)(shang)存的(de)(de)(de)(de)(de)(de)(de)8%的(de)(de)(de)(de)(de)(de)(de)養(yang)(yang)(yang)老(lao)金(jin)(jin)全(quan)部退(tui)給你(ni)(ni)(ni)。 醫(yi)(yi)療保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，不(bu)(bu)(bu)是(shi)(shi)(shi)(shi)所有的(de)(de)(de)(de)(de)(de)(de)病都能(neng)(neng)獲(huo)得(de)。社會保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)只(zhi)負責保(bao)(bao)(bao)(bao)(bao)障我們的(de)(de)(de)(de)(de)(de)(de)基本權益。整(zheng)容(rong)、減肥、增高、近視矯正、不(bu)(bu)(bu)孕不(bu)(bu)(bu)育、性功能(neng)(neng)障礙、精神(shen)疾(ji)病，以(yi)上(shang)(shang)這(zhe)些(xie)醫(yi)(yi)療費用(yong)，醫(yi)(yi)保(bao)(bao)(bao)(bao)(bao)是(shi)(shi)(shi)(shi)不(bu)(bu)(bu)管的(de)(de)(de)(de)(de)(de)(de)。此(ci)外(wai)，如(ru)果(guo)不(bu)(bu)(bu)幸出(chu)了(le)(le)(le)交(jiao)(jiao)(jiao)(jiao)通事故，或(huo)被(bei)歹徒(tu)傷害，這(zhe)些(xie)都不(bu)(bu)(bu)在(zai)(zai)醫(yi)(yi)保(bao)(bao)(bao)(bao)(bao)范(fan)圍內，只(zhi)有在(zai)(zai)公安(an)機關證(zheng)明確實(shi)找不(bu)(bu)(bu)到(dao)加害人(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)情況下(xia)，才能(neng)(neng)由(you)醫(yi)(yi)保(bao)(bao)(bao)(bao)(bao)暫時核銷。 失(shi)(shi)業(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)要(yao)(yao)交(jiao)(jiao)(jiao)(jiao)滿(man)一(yi)(yi)年(nian)(nian)才能(neng)(neng)享(xiang)(xiang)受(shou)，一(yi)(yi)般交(jiao)(jiao)(jiao)(jiao)1年(nian)(nian)拿(na)2個(ge)月(yue)，交(jiao)(jiao)(jiao)(jiao)2年(nian)(nian)拿(na)4個(ge)月(yue)，但一(yi)(yi)輩子最多拿(na)24個(ge)月(yue)。但是(shi)(shi)(shi)(shi)如(ru)果(guo)你(ni)(ni)(ni)是(shi)(shi)(shi)(shi)合同(tong)沒到(dao)期自(zi)(zi)己(ji)辭(ci)(ci)職走，那就(jiu)算你(ni)(ni)(ni)交(jiao)(jiao)(jiao)(jiao)滿(man)了(le)(le)(le)1年(nian)(nian)也享(xiang)(xiang)受(shou)不(bu)(bu)(bu)到(dao)失(shi)(shi)業(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)。只(zhi)要(yao)(yao)是(shi)(shi)(shi)(shi)自(zi)(zi)己(ji)辭(ci)(ci)職的(de)(de)(de)(de)(de)(de)(de)，別說交(jiao)(jiao)(jiao)(jiao)1年(nian)(nian)了(le)(le)(le)，就(jiu)是(shi)(shi)(shi)(shi)交(jiao)(jiao)(jiao)(jiao)10年(nian)(nian)的(de)(de)(de)(de)(de)(de)(de)失(shi)(shi)業(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，到(dao)辭(ci)(ci)職的(de)(de)(de)(de)(de)(de)(de)時候(hou)(hou)你(ni)(ni)(ni)也拿(na)不(bu)(bu)(bu)到(dao)一(yi)(yi)分(fen)錢。 工(gong)(gong)傷保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)一(yi)(yi)般用(yong)得(de)較少，但需(xu)要(yao)(yao)提醒(xing)的(de)(de)(de)(de)(de)(de)(de)是(shi)(shi)(shi)(shi)如(ru)果(guo)你(ni)(ni)(ni)在(zai)(zai)工(gong)(gong)作(zuo)的(de)(de)(de)(de)(de)(de)(de)時候(hou)(hou)或(huo)者(zhe)上(shang)(shang)下(xia)班(ban)的(de)(de)(de)(de)(de)(de)(de)路上(shang)(shang)出(chu)了(le)(le)(le)什么事，這(zhe)個(ge)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)就(jiu)用(yong)得(de)上(shang)(shang)。 行(xing)業(ye)分(fen)析 發(fa)現(xian)(xian)(xian)，在(zai)(zai)實(shi)踐中(zhong)(zhong)很(hen)(hen)多人(ren)(ren)出(chu)了(le)(le)(le)事不(bu)(bu)(bu)注意保(bao)(bao)(bao)(bao)(bao)存證(zheng)據，導致自(zi)(zi)己(ji)無(wu)法(fa)享(xiang)(xiang)受(shou)工(gong)(gong)傷保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，這(zhe)
2014-11-14 投資理財 +閱讀全文
很多需(xu)求(qiu)分(fen)析的(de)(de)工作是(shi)(shi)從(cong)(cong)需(xu)求(qiu)調(diao)研開始的(de)(de)，我們就(jiu)從(cong)(cong)這里說起(qi)吧(ba)。需(xu)求(qiu)調(diao)研是(shi)(shi)需(xu)求(qiu)分(fen)析最重要(yao)的(de)(de)一(yi)(yi)環，也最集中(zhong)地(di)體(ti)現了需(xu)求(qiu)分(fen)析的(de)(de)特(te)點——既(ji)是(shi)(shi)一(yi)(yi)份(fen)體(ti)力活(huo)兒(er)(er)，更是(shi)(shi)一(yi)(yi)份(fen)技術活(huo)兒(er)(er)。它既(ji)要(yao)求(qiu)我們具(ju)有一(yi)(yi)種(zhong)理解能力、設計能力，更要(yao)求(qiu)我們具(ju)有一(yi)(yi)種(zhong)與人交往、溝通的(de)(de)能力。
2014-11-14 需求 +閱讀全文
權益性投資(zi)(zi)是(shi)為獲(huo)取(qu)其(qi)他企業(ye)的(de)(de)(de)(de)權益或(huo)凈資(zi)(zi)產所進行的(de)(de)(de)(de)投資(zi)(zi)。如對其(qi)他企業(ye)的(de)(de)(de)(de)普通股股票投資(zi)(zi)、為獲(huo)取(qu)其(qi)他企業(ye)股權的(de)(de)(de)(de)聯營投資(zi)(zi)等(deng)。企業(ye)進行權益性投資(zi)(zi)是(shi)為取(qu)得對另一企業(ye)的(de)(de)(de)(de)控制權，或(huo)實施對另一個(ge)企業(ye)的(de)(de)(de)(de)重大影響，或(huo)為了其(qi)他目的(de)(de)(de)(de)。
2014-11-14 風險投資 +閱讀全(quan)文
“連(lian)鎖加(jia)(jia)(jia)盟(meng)(meng)”是指加(jia)(jia)(jia)盟(meng)(meng)總(zong)公(gong)司(si)和(he)加(jia)(jia)(jia)盟(meng)(meng)者(zhe)締結契約，加(jia)(jia)(jia)盟(meng)(meng)總(zong)公(gong)司(si)將商(shang)標、商(shang)品、經營技術授(shou)權于加(jia)(jia)(jia)盟(meng)(meng)者(zhe)。而(er)加(jia)(jia)(jia)盟(meng)(meng)者(zhe)在得(de)到上述權利(li)之時，相(xiang)(xiang)對(dui)必(bi)須支付一定(ding)金額(e)給(gei)加(jia)(jia)(jia)盟(meng)(meng)總(zong)公(gong)司(si)，并根(gen)據加(jia)(jia)(jia)盟(meng)(meng)總(zong)公(gong)司(si)的(de)指導(dao)、培訓(xun)及協(xie)助，使(shi)用相(xiang)(xiang)同商(shang)標，全部或部份使(shi)用相(xiang)(xiang)同商(shang)品、服(fu)務和(he)經營技術，行使(shi)專業分(fen)工、集中管理(li)的(de)經營團隊。
2014-11-14 風險投資 +閱讀全文
一(yi)個人對(dui)某種商品(pin)的(de)(de)(de)需求的(de)(de)(de)惟(wei)一(yi)普遍規律就是：如果其他情(qing)況不(bu)變(bian)，他對(dui)此商品(pin)的(de)(de)(de)需求會(hui)(hui)隨(sui)著對(dui)其擁有(you)量(liang)的(de)(de)(de)增(zeng)加而遞減(jian)。這種遞減(jian)也許緩慢也許迅速。如果緩慢，那(nei)么他對(dui)此商品(pin)所出的(de)(de)(de)價(jia)格(ge)(ge)，就不(bu)會(hui)(hui)因為他對(dui)此商品(pin)的(de)(de)(de)擁有(you)量(liang)的(de)(de)(de)大量(liang)增(zeng)加而大幅(fu)度下(xia)降(jiang)；而且價(jia)格(ge)(ge)的(de)(de)(de)小幅(fu)度下(xia)降(jiang)會(hui)(hui)使(shi)他的(de)(de)(de)購買量(liang)大幅(fu)度增(zeng)加。
2014-11-14 需求 +閱讀全文
市(shi)(shi)(shi)場(chang)需(xu)求（marketdemand）指一定(ding)(ding)(ding)的(de)(de)顧(gu)客在(zai)一定(ding)(ding)(ding)的(de)(de)地(di)區、一定(ding)(ding)(ding)的(de)(de)時間、一定(ding)(ding)(ding)的(de)(de)市(shi)(shi)(shi)場(chang)營銷環境和(he)一定(ding)(ding)(ding)的(de)(de)市(shi)(shi)(shi)場(chang)營銷計劃(hua)下(xia)對(dui)某種商品或服務愿意而且能夠購買的(de)(de)數量，市(shi)(shi)(shi)場(chang)需(xu)求是(shi)消費(fei)者(zhe)需(xu)求的(de)(de)總和(he)。市(shi)(shi)(shi)場(chang)需(xu)求的(de)(de)構(gou)成(cheng)要素(su)有兩(liang)個
2014-11-14 需求 +閱讀全文(wen)
馬斯洛需(xu)求(qiu)層次(ci)(ci)理(li)論是(shi)行(xing)為(wei)科學的理(li)論之一(yi)，由美國心理(li)學家亞伯拉罕·馬斯洛于1943年在《人(ren)(ren)類(lei)激勵理(li)論》論文中所提出，書中將人(ren)(ren)類(lei)需(xu)求(qiu)象階梯一(yi)樣(yang)從低到高按層次(ci)(ci)分為(wei)五種，分別是(shi)：生理(li)需(xu)求(qiu)、安全需(xu)求(qiu)、社交(jiao)需(xu)求(qiu)、尊(zun)重需(xu)求(qiu)和(he)自我(wo)實(shi)現需(xu)求(qiu)五類(lei)，是(shi)行(xing)為(wei)科學理(li)論之一(yi)。
2014-11-14 需求 +閱讀(du)全(quan)文
信(xin)(xin)用(yong)卡(ka)又叫貸記卡(ka)。是(shi)一種非現金(jin)(jin)交易付款的(de)方(fang)式，是(shi)簡單(dan)的(de)信(xin)(xin)貸服務。是(shi)銀(yin)行(xing)向(xiang)個人和(he)單(dan)位發行(xing)的(de)，憑(ping)此向(xiang)特(te)約單(dan)位購物、消(xiao)(xiao)費(fei)和(he)向(xiang)銀(yin)行(xing)存取(qu)現金(jin)(jin)。信(xin)(xin)用(yong)卡(ka)由銀(yin)行(xing)或(huo)信(xin)(xin)用(yong)卡(ka)公司依照用(yong)戶(hu)的(de)信(xin)(xin)用(yong)度(du)與財力發給持卡(ka)人，持卡(ka)人持信(xin)(xin)用(yong)卡(ka)消(xiao)(xiao)費(fei)時(shi)無須(xu)支付現金(jin)(jin)，待賬單(dan)日(ri)時(shi)再進(jin)行(xing)還(huan)款。
2014-11-14 投資理財 +閱讀(du)全(quan)文(wen)
