储蓄，消极式理财？

在现代社会,单纯地存钱并不一定划得来.因为挣钱存钱无非是为自己积累购买力.购买力降低了,存钱的价值也就没有了.为什么这么说呢?就拿今年来看,2月份CPI同比增长2.7%,3月份同比增长也会在2.6%左右,而-年期定期存款利率只有2.25%.这意味着什么呢?这意味着,钱存在银行,只是数量在增长,而实际的相对购买力却下降了.     

基于Excel模拟运算表的储蓄理财假设分析

阐述基于假设分析的Excel模拟运算表的原理,以及利用该工具和Excel中的相关函数分析计算居民储蓄问题。     

Characteristics of Chang 2^1 Low Permeability Sandstone Reservoir in Shunning Oil Field

Characteristics of Chang 2^1 low permeability sandstone reservoir of Shunning oil field are analyzed and evaluated based on the data of well logging and experiment. The result shows that 1） the Chang 2^1 low permeability reservoir belongs to the classification of middle-to-fine sized feldspar sandstone, with its components being low in maturity, deposited in distributary rivers in the front of the delta; 2） the reservoir is obviously dominated by a low or a very low permeability with a linear variation tendency different from that of the ultra-low permeability reservoir; 3） the spatial variation in lithology and physical properties of the reservoir are controlled by the sedimentary facies zones, and 4） the physical property of the reservoir is significantly influenced by clastic constituents and their structure, and the constituent of cement materials and their content. The result also shows that the diagenesis action of the reservoir is quite strong in which dissolution greatly modified the reservoir In addition, the inter-granular dissolved pores are the mainly developed ones and the micro-structure is dominated by the combination of middle-to-large sized pores with fine-to-coarse throats. Finally, the radius of the throats is in good exponential correlation with permeability and the seepage capacity comes from those large sized throats.     

经济危机有益健康

经济危机的危害大家都知道,它会让你失去你的工作、储蓄、房子、车子以及其他财产。在如此巨大的损失面前,大多数人都忽略了一个简单的事实——任何事物都会同时导致好与坏两种不同的结果。那么,经济危机就不能带来什么实际的好处么？     

Timing of advanced water flooding in low permeability reservoirs

It is very important to design the optimum starting time of water injection for the development of low permeability res-ervoirs. In this type of reservoir the starting time of water injection will be affected by a reservoir pressure-sensitive effect. In order to optimize the starting time of water injection in low permeability reservoirs, this effect of pressure change on rock permeability of low permeability reservoirs was, at first, studied by physical simulation. It was shown that the rock permeability decreases expo-nentially with an increase in formation pressure. Secondly, we conducted a reservoir engineering study, from which we obtained analytic relationships between formation pressure, oil production rate, water production rate and water injection rate. After our physical, theoretical and economical analyses, we proposed an approach which takes the pressure-sensitive effect into consideration and designed the optimum starting time of water injection, based on the principle of material balance. Finally, the corresponding software was developed and applied to one block of the Jiangsu Oilfield. It is shown that water injection, in advance of production, can decrease the adverse impact of the pressure-sensitive effect on low permeability reservoir development. A water-flooding pro-ject should be preferably initiated in advance of production for no more than one year and the optimum ratio of formation pressure to initial formation pressure should be maintained at a level between 1.05 and 1.2.     

我国储蓄外汇双过剩时期的外资政策

从数据来看,中国目前正处于储蓄过剩和外汇过剩“双过剩”时期,资金出现了相对富余,外商直接投资是否还能给我国经济发展带来好处,以及是否还需要吸引外资的话题成为争论的热点。在分析这些热点的基础上,从明确外资政策的定位;优化引资结构,提高引资的质量和效率;加强对外资并购的引导和规范;扩展国际投资渠道,扩大对外投资等方面提出我国吸引外商直接投资政策的调整方向。     

当前我国储蓄转化为投资的障碍分析

在分析当前我国储蓄向投资转化的障碍的基础上，提出了应采取大力发展民营金融机构、利率市场化等措施，积极疏通渠道，促使储蓄向投资转化。     

老龄化时代城市养老的时间储蓄与公益志愿——以上海为例

上海目前从事为老服务主要有三种社会组织形式,即志愿者组织、非政府组织以及邻里互助,而人力资源问题是制约养老服务的普遍问题。通过对上海开展低龄老人为高龄老人服务的时间储蓄式养老服务模式进行实践,发现人员流失率高、护理人员短缺几乎已成为每个养老服务机构都面临的问题。因此,制定完善的管理制度、由社会公益组织进行管理、建立科学可行的服务结算信息管理系统、政府发挥托底功能等,可能有助于从根本上保障养老时间储蓄的可持续发展。     

养老保险制度的储蓄效应:基于中国的经验研究

居民储蓄除了个人生命周期储蓄,还可能存在预防性储蓄和遗产动机储蓄,养老保险制度的储蓄效应与一国居民的储蓄动机密切相关。通过对中国养老保险制度储蓄效应的实证分析可以发现:中国城镇社会养老保险覆盖率对城镇居民个人储蓄率的影响显著为负,但养老保障水平对个人储蓄率的影响则十分微弱并不显著,同时,少儿抚养比、医疗住房支出占比、失业率对城镇居民个人储蓄的影响则十分显著。这一方面反映了养老保险制度覆盖率的扩大已逐渐显现成效,但另一方面也表明中国居民仍有强烈的预防性储蓄动机,其深层原因正在于中国养老保险制度及医疗保险制度、失业保险制度都供给不足,制度的缺失和不完善使中国城镇居民要依赖个人储蓄进行自我保障。因此,要逐步完善中国养老保险制度及其他社会保障制度。     

浅析利率市场化对我国储蓄国债管理的挑战与应对

自1994年首次发行凭证式国债以来,我国储蓄国债市场历经近20年发展,逐步形成了凭证式国债与电子式储蓄国债并存的局面。随着我国利率市场化进程的逐渐推进,储蓄国债市场形成了较为鲜明的"阶段性"特点,而储蓄国债管理也将面临一系列挑战。通过对2000年以来我国储蓄国债市场的数据分析,深入研究利率市场化对储蓄国债管理带来的挑战,并借鉴国际上储蓄国债管理的先进经验提出相关建议。