Yahoo!奇摩知識+ - 分類問答 - 科學常識 - 發問中
Yahoo!奇摩知識+ - 分類問答 - 科學常識 - 發問中 
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CD=14, CP=6, CD=14, 求AB
Aug 21st 2013, 04:25

雅虎資訊 版權所有 (c) 2013 Yahoo! Taiwan. All Rights Reserved.

知識+ 之問答內容是由參與Yahoo!奇摩知識+ 之網友提供,僅供參考,Yahoo!奇摩不保證其正確性。

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2013 - Yahoo!奇摩 搜尋結果
2013 - Yahoo!奇摩 搜尋結果 
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抗壓性不足!聯準會批美國銀行無法面對最壞狀況
Aug 21st 2013, 05:01

《紐約時報》報導,自從2008年金融危機過後,美國各大銀行都需要每年通過聯準會的「健康檢查」,也就是壓力測試,確保銀行對抗風險的體質良好。但聯準會發表報告指出,雖然金融危機已過了5年,仍有多家銀行在對風險管理和資本計畫等重要領域裡,無法對最壞狀況做出預先計畫。

美國自金融危機後就開始針對大銀行做年度壓力測試
美國自金融危機後就開始針對大銀行做年度壓力測試 (圖翻攝自Quartz網站)

《紐約時報》報導,自從2008年金融危機過後,美國各大銀行都需要每年通過聯準會的「健康檢查」,也就是壓力測試,確保銀行對抗風險的體質良好。但聯準會發表報告指出,雖然金融危機已過了5年,仍有多家銀行在對風險管理和資本計畫等重要領域裡,無法對最壞狀況做出預先計畫。

聯準會在報告中指出,目前多家銀行回應壓力測試時,尚未把房價波動這一因素考量進去。此外,部分銀行則假定自己體質良好、優於同業,可在經濟危機爆發時,將他行的業務搶過來。聯準會表示,雖然許多銀行已經改善資本計畫,但仍然缺乏對經濟危機的應變模式和完整制度。預計聯準會將要求各銀行進行改善。目前聯準會並未明確指出銀行名稱。

自從2009年起,美國主要的18家大型銀行就必須接受年度壓力測試,確保銀行在嚴重的金融危機來臨時,有足夠的應變能力。但是此舉卻造成聯準會和銀行間的衝突,因為壓力測試的結果將可以決定銀行要發配多少股息以及回購多少股票。

而今(2013)年3月,聯準會設定假設條件—失業率飆高至12.1%、股市腰斬、房價暴跌逾20%。在大型交易商面臨市場衝擊下,針對全美最大的18家銀行進行壓力測試。19家大型銀行中,有10家銀行必需在此假定情況下籌得750億美元的權益資本。測試結果出爐,僅2家銀行未過關,分別為BB&T(BBT-US)銀行和美國政府掌權的艾利金融公司(Ally Financial)(ALLY-US) 。

此外,投資銀行高盛(GS-US)與摩根大通(MS-US)表現也有待加強,因為其一級資本充裕率均低於 6%。聯準會要求高盛和摩根重新檢視發放給旗下股東的資本,並於2013年第3季末提交新的資本計畫。聯準會表示,高盛和摩根2家銀行的資本適足率皆有缺失,必須立即解決。若摩根和高通於第3季末提出的改良報告並不完善,聯準會仍有權利終止這2家銀行的資本發放。

而本周一(19日)發布的報告指出,聯準會批評銀行並未精確評估自身的風險控管和融資需求,並且指出銀行可能需要增加資本,或是減少發放股息,才能達到監管單位的要求。另外,聯準會也表示,下一輪的壓力測試,將會再另外囊括12家銀行一併檢測,測試結果將會於明年年初公布。

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2013 - Yahoo!奇摩 搜尋結果
2013 - Yahoo!奇摩 搜尋結果 
Madesmith

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台灣雇主找嘸人 最缺業代
Aug 21st 2013, 05:00

記者洪凱音/台北報導

萬寶華(ManpowerGroup)昨公布2013全球人才短缺調查,高達46%台灣雇主面臨徵才困難窘境,雖然比去年下降1個百分點,但仍高於全球的35%,台灣雇主抱怨人才難找的比例,位居全球第11、亞太第6名;其中,業務代表仍位居今年台灣人才短缺職缺的第1名。

根據調查發現,業務代表位居台灣人才短缺的第1名。(圖/好房資料中心)

台灣失業率常年為四小龍最高,6月失業率為4.14%,本周四即將公布7月份最新失業狀況,預估畢業生就業未完全消化,還會持續攀升。為了解全球雇主徵才困難情況和對就業市場的衝擊,萬寶華連續第8年進行人才短缺調查,針對42個國家及地區、近4萬名雇主進行調查,其中包括1031名台灣雇主;而亞太區8個國家中,台灣位居日本85%、印度61%以及香港57%等之後,排名第6名。

單純以大中華市場相比,台灣人才短缺情況連2年下滑,相較於香港、中國大陸則雙雙上升,與去年分別增加22與12個百分點,人才短缺比率來到57%和35%;論及解決問題,台灣積極投入的意願最高。萬寶華認為,求職者職場技能不足,是造成雇主徵才困難的首要原因。

統計也發現,去年38%雇主著手提供培訓、增加人才等管道因應,今年更有高達76%雇主藉由調整工作模式以拓展人才來源,在台灣雇主積極克服人才短缺問題下,萬寶華表示,明年調查結果令人期待。

為何台灣雇主如此擔心徵才問題?萬寶華台灣分公司專業人才顧問事業處處長吳璧昇表示,人才短缺將衝擊服務客戶的能力,也會使競爭力與生產力下降。除業務代表外,台灣人才短缺的前10大職務還包括技術人員、工程師、研發人員與管理階層或高階主管等。

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2013 - Yahoo!奇摩 搜尋結果
2013 - Yahoo!奇摩 搜尋結果 
Madesmith

Modern handmade. New designers every week.
From our sponsors
陽明山風雨漸強 老外上山追颱風
Aug 21st 2013, 05:02

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Yahoo!奇摩知識+ - 分類問答 - 科學常識 - 發問中
Yahoo!奇摩知識+ - 分類問答 - 科學常識 - 發問中 
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From our sponsors
O為圓心, QR//PO, 求角OPR
Aug 21st 2013, 04:30

雅虎資訊 版權所有 (c) 2013 Yahoo! Taiwan. All Rights Reserved.

知識+ 之問答內容是由參與Yahoo!奇摩知識+ 之網友提供,僅供參考,Yahoo!奇摩不保證其正確性。

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Yahoo!奇摩知識+ - 分類問答 - 生活資訊 - 發問中
Yahoo!奇摩知識+ - 分類問答 - 生活資訊 - 發問中 
Dropbox for Business

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From our sponsors
有色素沉澱和痘疤的困擾........
Aug 21st 2013, 04:32

如題我有以上這些困擾 想試試看用吃的保養
目前想試試看明X的膠原蛋白或是蜜X珂X的膠原蛋白
兩者效果哪個比較好??
還想買美X家的葡萄籽來試試看可是不知道怎麼買?
或是大大有推薦其他品牌不錯的葡萄籽?
不過要告訴我購買的方式 目前為學生不太可能跑出國買

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Yahoo!奇摩知識+ - 分類問答 - 生活資訊 - 發問中
Yahoo!奇摩知識+ - 分類問答 - 生活資訊 - 發問中 
Learn Adobe Illustrator CS6 Master Techniques from an Adobe Guru!

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From our sponsors
能讓胸部再次發育滴用品..食品...的東西:(
Aug 21st 2013, 04:36


輕輕鬆松五個月胸部大三個罩杯不是夢想
我以前也是平胸一族
但我自從使用了波☆神☆生☆技
波☆豐☆膠☆囊和波☆豐☆青☆木☆瓜☆精☆華
花了五個月的時間
我真的從A罩杯大到D罩杯耶
以前總是穿衣服沒自信
現在我也可以自信的穿深V的衣服摟!!
我在網站上有看到他們的產品都有GMP、 ISO 、HACCP認證合格
因為產品有保證
而且我下定決心一定要升到D罩杯
就是因為這樣子我才願意一次買3送1的優惠

hTTp://BeautyShopgIrl88.com/

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Yahoo!奇摩知識+ - 分類問答 - 生活資訊 - 發問中
Yahoo!奇摩知識+ - 分類問答 - 生活資訊 - 發問中 
Dropbox for Business

Keep your organization's files in sync. Dropbox for Business has unlimited space, file sharing, and admin tools to manage your team. Start a free trial at no cost.
From our sponsors
有色素沉澱和痘疤的困擾........
Aug 21st 2013, 04:32

如題我有以上這些困擾 想試試看用吃的保養
目前想試試看明X的膠原蛋白或是蜜X珂X的膠原蛋白
兩者效果哪個比較好??
還想買美X家的葡萄籽來試試看可是不知道怎麼買?
或是大大有推薦其他品牌不錯的葡萄籽?
不過要告訴我購買的方式 目前為學生不太可能跑出國買

This entry passed through the Full-Text RSS service — if this is your content and you're reading it on someone else's site, please read the FAQ at fivefilters.org/content-only/faq.php#publishers. Five Filters recommends: 'You Say What You Like, Because They Like What You Say' - http://www.medialens.org/index.php/alerts/alert-archive/alerts-2013/731-you-say-what-you-like-because-they-like-what-you-say.html

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Yahoo!奇摩知識+ - 分類問答 - 生活資訊 - 發問中
Yahoo!奇摩知識+ - 分類問答 - 生活資訊 - 發問中 
Dropbox for Business

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From our sponsors
如何保養肌膚? 我想變白啦TAT
Aug 21st 2013, 04:37


有誰可以白卻不想要白的呢
每個人愛美的都希望自己皮膚又白又亮
人家總是說一白遮三醜
但偏偏現在的天氣讓你不黑也很難
除非你都不出門
不然外面的艷陽高照尤其是紫外線
真的很可怕

所以我每天都會擦這兩瓶
♡晶♡鑽♡光♡感♡美♡白♡保♡濕♡胜♡肽♡化♡妝♡水♡
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裡面含有豐富的傳明酸及玻尿酸
能幫你淡化黑色素
而且同時保濕你的肌膚
讓你變的晶瑩透亮
我才使用了兩個禮拜就有發現我的膚色真的有變白了
大約2個月以後我的膚色真的白回來了
超級開心

這兩瓶是最佳的美白保養品唷
讓你不怕變成黑美人
我現在都是打電話去訂購07~6909633
客服薛小姐人真的好好噢我每次打電話訂購都給我一些優惠
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Yahoo!奇摩知識+ - 分類問答 - 生活資訊 - 發問中
Yahoo!奇摩知識+ - 分類問答 - 生活資訊 - 發問中 
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From our sponsors
能讓胸部再次發育滴用品..食品...的東西:(
Aug 21st 2013, 04:36


輕輕鬆松五個月胸部大三個罩杯不是夢想
我以前也是平胸一族
但我自從使用了波☆神☆生☆技
波☆豐☆膠☆囊和波☆豐☆青☆木☆瓜☆精☆華
花了五個月的時間
我真的從A罩杯大到D罩杯耶
以前總是穿衣服沒自信
現在我也可以自信的穿深V的衣服摟!!
我在網站上有看到他們的產品都有GMP、 ISO 、HACCP認證合格
因為產品有保證
而且我下定決心一定要升到D罩杯
就是因為這樣子我才願意一次買3送1的優惠

hTTp://BeautyShopgIrl88.com/

This entry passed through the Full-Text RSS service — if this is your content and you're reading it on someone else's site, please read the FAQ at fivefilters.org/content-only/faq.php#publishers. Five Filters recommends: 'You Say What You Like, Because They Like What You Say' - http://www.medialens.org/index.php/alerts/alert-archive/alerts-2013/731-you-say-what-you-like-because-they-like-what-you-say.html

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