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Reporter recently learned from the Korean ancestral hall, with ancient Chinese literature search master professor Rao Zongyi to write more than 400 words of praise "oak" huge curtain wall basically completed.

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　　“国家发行的货币，为什么流通到我手里以后，我去存钱就要交‘数钱费’？”卢女士百思不解。
　　陕西省某国有银行柜台工作人员严晓玲说：“零钞不好过验钞机，必须手点，手点就意味着多花几倍的时间。银行毕竟也是个营利机构，追求利润，所以我觉得收点钞费很正常。”
　　卢女士在北京某高校内经营一间杂货店，经营过程中经常会积攒下大量硬币。过去，卢女士会将这些硬币存到银行。最近她却选择将硬币全部换给那些需要零钱的小商贩,[link widoczny dla zalogowanych]。问及原因，她说：“听说现在到银行去存零钱还要被收费，太不划算了。”
　　中国法学会银行法学研究会副会长刘少军教授指出，“数钱费”犯众怒反映出国有银行经营中的道德问题



　　郭田勇教授指出，正因为普通消费者在选择银行时更看重服务水平，其次才是便利性，所以银行的服务水平对其客户规模有着重要影响。“银行与消费者之间是唇齿相依的关系。如果银行不下工夫提高服务水平，而是斤斤计较于一些服务收费，在激烈竞争的市场中，这样的银行最终会损害自身的竞争力，从而丢掉市场。要想扭转这种不利局面，银行就需要将各项收费与综合业务进行统一筹划，在那些对广大公共利益波及较大的收费项目上一定要慎之又慎。”
　　据了解，2003年颁布的《商业银行服务价格管理暂行办法》第十一条明确规定：“商业银行不得对人民币储蓄开户、销户、同城的同一银行内发生的人民币储蓄存款及大额以下取款业务收费，大额取款业务、零钞清点整理储蓄业务除外。”可见，按照现行规定，银行收取“数钱费”的行为并不违法。
　　――刘少军(中国法学会银行法学研究会副会长、中国政法大学金融法研究中心主任)
　　在中国法学会银行法学研究会副会长、中国政法大学金融法研究中心主任刘少军教授看来，银行收取“数钱费”犯众怒的背后，反映出企业经营中的道德问题。银行的社会性要强于普通企业，它就应该承担更多的社会责任。普通居民发生大量零币存款只是偶然现象，对此收取手续费会让人觉得银行就是一个唯利是图的商家,[link widoczny dla zalogowanych]，这也是拒绝承担社会责任的表现。




　　银行这种做法遭到众多质疑。6月4日，国家发改委、中国银监会紧急叫停该项收费。有关银行也已主动暂停了相关收费，并表示今后对于涉及公众利益的服务收费项目，将慎重考虑,[link widoczny dla zalogowanych]，审慎出台。
　　银行改革该往何处去？调查显示，80.6%的人认为“应该以人民为本，使普通人能享受到便利优质的服务”；64.6%的人认为“应鼓励银行之间的竞争”；58.7%的人表示“监管不能放松，应避免银行风险引发金融危机”；55.8%的人建议“建立存款保险等制度，保障一般存款人利益”。(实习生向楠)

　　在受访者眼中，现在银行服务都存在哪些问题？调查中排在前三位的分别为：排队时间过长(79.8%)、经常有很多窗口不开放(79.1%)、服务收费不合理不透明(54.6%)。接下来依次为：工作人员态度不好(50.2%)、一般顾客与VIP区别服务(45.3%)、常常存在诱导服务(44.4%)、投诉得不到及时有效处理(36.5%)、营业网点少(35.3%)、专业服务水平不够高(33.3%)。






　　既然银行收取“数钱费”有一定道理，又合乎法律规定，为什么却遭到大多数人的反对，以致被有关部门紧急叫停？

　　调查中有75.8%的人曾因银行服务差转而选择其他银行,[link widoczny dla zalogowanych]。
　　“其实我觉得银行收手续费也不见得不合理，最重要的是要做到透明公开，提高金融服务的质量。”一位网易网友的留言道出了大多数人的心声。
　　中央财经大学金融学院郭田勇教授表示，虽然我国银行服务水平较之前有了很大提高，但与许多外资银行相比，还存在一定差距。银行改革中和国际接轨应该是全方位的，不能只接轨收费项目，而不接轨服务水平。不提高服务水平,[link widoczny dla zalogowanych]，却又提高收费，人们当然不会同意。

　　提要：
　　在刘少军教授眼中，银行收取“数钱费”这一事件绝非小事，也并非偶然，它反映出我国银行业务经营中存在的两大问题：首先，我国银行改革过于注重对西方功利主义思想的学习，而忽视了对道义价值观的培养；其次，相对于金融企业来说，个人客户处于弱势地位，我国对处于弱势地位的个人客户却缺乏保护。


　　75.8%的人选择银行首重服务，其次才是便利性

　　刘少军进一步分析，国有商业银行还不能等同于普通商业银行。国有商业银行是国民企业,[link widoczny dla zalogowanych]，其基本的资本来源是全体纳税人的税款，所以它具有更高的社会公益性，在日常经营活动中它更应该尽量满足公众的合理业务要求。
　　银行收取“数钱费”为何会掀起如此大的波澜？上周，中国青年报社会调查中心通过民意中国网和搜狐网，进行一项4125人参与的网络民意调查。结果显示，89.3%的受访者对银行收取“数钱费”表示反对，仅5.7%的人支持。

　　普通消费者依据什么因素来选择银行服务？调查显示，受访者考虑最多的三个因素分别为：工作人员态度(75.8%)、排队时间(66.5%)、营业网点数量多少(62%)。其他因素还包括：收费是否透明合理(58.7%)、专业服务水平(47.9%)、交通是否方便(47.3%)、营业场所环境(35.1%)、银行规模大小(16.6%)、银行性质是国有还是外资(13.2%)、银行效益好坏(12.9%)。
　　如果满分为100分，公众会给银行服务打多少分？本次调查中，受访者对我国当前银行服务打出的平均得分为63.38分。

　　无民不立80,[link widoczny dla zalogowanych].6%的人认为银行改革应以人为本
　　刘教授对未来银行的改革发展给出两条建议：第一,[link widoczny dla zalogowanych]，牢记老祖宗“君子爱财，取之有道”的教诲，不能唯利是图；第二，应该从法律上给弱势的个人客户予以特别保护。但他也提醒：“对个人客户应依据普通金融消费者、而非专业金融投资者的程度给予保护。因为一旦保护过度，也会不利于金融业的发展。”

　　银行金融服务与老百姓的生活息息相关,[link widoczny dla zalogowanych]，本次调查发现，有71%的受访者每月平均需要使用三次以上银行服务(包括ATM机服务)。
　　国有商业银行不能等同于普通商业银行

　　银行收取“数钱费”这一事件绝非小事，也并非偶然，它反映出我国银行业务经营中存在的两大问题：首先,[link widoczny dla zalogowanych]，我国银行改革过于注重对西方功利主义思想的学习,[link widoczny dla zalogowanych]，而忽视了对道义价值观的培养；其次，相对于金融企业来说，个人客户处于弱势地位,[link widoczny dla zalogowanych]，我国对处于弱势地位的个人客户却缺乏保护。

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Reporter recently learned from the Korean ancestral hall, with ancient Chinese literature search master professor Rao Zongyi to write more than 400 words of praise "oak" huge curtain wall basically completed.

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in order to further enhance the capacity building of workers,[link widoczny dla zalogowanych], improve the living standard, city housing provident fund management center according to the "several opinions about" to promote steady and healthy development of the province's real estate market spirit launched 3 new measures Huimin: one is the city Yishoufang individual housing provident fund loan maximum amount increased from RMB 200000 yuan to 300000 yuan, the maximum loan period from 20 years to 30 years; the second-hand housing personal housing accumulation fund loan maximum amount increased from 120000 yuan to 200000 yuan, the maximum loan period from 10 years to 15 years. The two is to increase the bank and the bank as my personal housing accumulation fund loan business for banks,[link widoczny dla zalogowanych], the personal housing accumulation fund loans with banks increased to 5, including China Construction Bank, ICBC,[link widoczny dla zalogowanych], Bank of China, Agricultural Bank of China and Bank of personal housing accumulation fund loan projects, implementation of basic coverage of all our projects, allowing workers to have more choices. The three is to expand the scope of lineal relatives extraction of housing provident fund to the first purchase of ordinary housing (parents, children).
reportedly, housing provident fund is a long-term housing savings of workers,[link widoczny dla zalogowanych], is an important content of the housing security system. My personal housing accumulation fund loans in addition to low interest,[link widoczny dla zalogowanych], and avoid notary, free insurance, early repayment penalty free preferential measures,[link widoczny dla zalogowanych], greatly reduce the burden of housing workers,[link widoczny dla zalogowanych], generally welcomed by property buyers. This year 1 to May, the city handled a total of 287 cases of individual housing provident fund loans, the loan amount of 52525000 yuan, compared with the same period last year increased by 46.43% and 56%. At present, the city has 1126 households and workers housing dream round by individual housing provident fund loans,[link widoczny dla zalogowanych], many school-age youth use housing provident fund loans this policy support measures,[link widoczny dla zalogowanych], to solve the housing problem of individual.
(Editor: Lin Yuyu)
reporter yesterday from the city housing provident fund management center was informed that,[link widoczny dla zalogowanych], in order to enhance our city workers purchase capacity, help them solve self occupied housing problems, the city recently introduced new measures to improve personal housing accumulation fund loan maximum loan period of three highest Huimin, and actively create conditions, simplify administrative links,[link widoczny dla zalogowanych], so that the public use of individual housing housing provident fund loans become more easy and affordable.

at the same time, the city housing provident fund management center housing provident fund loan opening automatic transfer owing on the loan business, workers only need one time and realize automatic transfer owing on the loan, the business has been through the China Construction Bank attempt is successful, the next step will be in the line of promotion.
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As expected, "Les Misérables" -- the film adaptation of Victor Hugo's 19th century novel -- was the winner of the Globes best comedy or musical category, and its stars Hugh Jackman and Anne Hathaway won acting honors.

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@xlysh: I think the design of signal light in some places there is a problem,[link widoczny dla zalogowanych], the signal lamp >
running lights the netizen says
news source, the absolute mean: "Chinese type cross the road", is "enough of a person can go, not red light."
@wuterfree: pedestrians on the crossing to the initiative to avoid vehicle,[link widoczny dla zalogowanych], car go through a red light shined early! Pedestrian only in the middle of the road, not more dangerous? Nicole,[link widoczny dla zalogowanych], Zou is on the small Lei: the above are right! Each home across the street will tremble with fear in one's boots,[link widoczny dla zalogowanych], someone told me that I'm too!
make a man go, and red and green light
yesterday morning,[link widoczny dla zalogowanych], the netizen, the absolute and the micro-blog is nearly 100000 of netizens forward,[link widoczny dla zalogowanych], all of a sudden fire. Micro-blog also with a pedestrian crossing the road from the photo photo, although not see traffic lights, but there are several pedestrians and did not walk on the zebra crossing, the vehicle but walked beside variable road signs, including pushing pram to old man, also have electric cars, sell fruit tricycle. The micro-blog has aroused a lot of Ji'nan net friend resonance,[link widoczny dla zalogowanych], have the thread "too concrete." "" Empathy "in Ji'nan is like that", have net friend ashamed of that, he is also a member of "red light force".
"Chinese type cross the road" causes netizen heat to discuss
@ stay pine nuts: every time I feel I'm offbeat, everyone is gone,[link widoczny dla zalogowanych], but I just poked, wait for the green light. @ tail root: car open speed can be washed, not red light!
@carnival1983: This is in Ji'nan! @ flexor Xiaosu: I also follow behind such people go...... Sample: @ Yang home seems really is such a thing, I was also a member of this group is deeply ashamed. @ dog don't: a man all over, if you but you,[link widoczny dla zalogowanych], be lynched! Although I know it is wrong...... @ by sea breeze and so is Terry:, a person feel shy, everyone in the spirit of responsibility does not punish the psychological, a lot of people are breaking over the hula hoop.
@SP Peng: because turning cars don't let pedestrians,[link widoczny dla zalogowanych], so it became "the red light green light together, be careful". @ the big tiger tiger: some road width, a signal lamp doesn't go through, so only the red light began to go.
cross the road and traffic lights irrelevant?
why so many netizens on the red light feeling? The netizen said it was because of "poor quality",[link widoczny dla zalogowanych], but also the netizen puts forward, sometimes not red lights are not to the road, signal lamp time is too short, turning vehicle too much and don't let the pedestrians. However, almost all users agree: red light running is wrong,[link widoczny dla zalogowanych], no matter what the reason. @ Tangqiao GPS: motor vehicle in turn will never let pedestrians straight ahead!
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Koreans must have been born to parents who stayed abroad more than six months studying or working for Korean companies to be given dual citizenship, according to new citizenship guidelines released by the Justice Ministry on Sunday.

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Genres: Drama and Action Running Time: 96 min. Directed by: Lim Sang-yun Starring: So Ji-sup,[link widoczny dla zalogowanych], Lee Mi-yeon,[link widoczny dla zalogowanych], Kwak Do-won Synopsis: A contract killing organization is managed like a normal company. Hyung-do who regards killing as nothing more than repetitious routine is working for this company. A man loyal to his company and accepted as the firm's best killer,[link widoczny dla zalogowanych], Hyung-do one day starts feeling doubts about his job and decides to quit his job for a woman he is in love with. Instantly,[link widoczny dla zalogowanych], he is under the threat of being hunted down by his former colleagues.相关的主题文章：


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Koreans must have been born to parents who stayed abroad more than six months studying or working for Korean companies to be given dual citizenship, according to new citizenship guidelines released by the Justice Ministry on Sunday.

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To revive clothes that have become glossy from long use,[link widoczny dla zalogowanych], rub them with a cloth dampened with a mixture of water and vinegar before ironing.相关的主题文章：


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In the eighth step, a huge wave of corporate defaults takes place and fear of counterparty risk looms large, deepening the credit freeze. In the ninth step, the "shadow banking system" collapses.

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U,[link widoczny dla zalogowanych].S,[link widoczny dla zalogowanych]. President Barack Obama
North Korean leader Kim Jong-il ranked 24th on a list of the world's 67 most powerful people released by Forbes magazine on Wednesday. Forbes put Kim above British Prime Minister Gordon Brown (29th),[link widoczny dla zalogowanych], Japanese Prime Minister Yukio Hatoyama (35th),[link widoczny dla zalogowanych], and French President Nicolas Sarkozy (56th). No South Koreans were listed.
U.S. President Barack Obama topped the list,[link widoczny dla zalogowanych], followed by Chinese President Hu Jintao,[link widoczny dla zalogowanych], Russian Prime Minister Vladimir Putin,[link widoczny dla zalogowanych], and U.S. Federal Reserve Chairman Ben Bernanke.
Forbes said it assessed people's power using four criteria: the number of people they influence,[link widoczny dla zalogowanych]; their ability to project power beyond their immediate sphere of influence; control of or access to significant financial resources (for heads of state the magazine used GDP),[link widoczny dla zalogowanych]; and how actively they wield power,[link widoczny dla zalogowanych].
The magazine pointed out that Kim commands the world's fourth-largest standing army and engages in high-stakes nuclear gambles,[link widoczny dla zalogowanych]. Also listed are international terrorist leader Osama bin Laden (37th) and Mexican drug king Joaquin Guzman (41st),[link widoczny dla zalogowanych].
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In the eighth step, a huge wave of corporate defaults takes place and fear of counterparty risk looms large, deepening the credit freeze. In the ninth step, the "shadow banking system" collapses.

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President Lee Myung-bak talks to former U,[link widoczny dla zalogowanych].S,[link widoczny dla zalogowanych]. president George W,[link widoczny dla zalogowanych]. Bush in the garden of a hotel in Jeju on Sunday,[link widoczny dla zalogowanych]. /Courtesy of Cheong Wa Dae
President Lee Myung-bak and visiting former president of the United States George W,[link widoczny dla zalogowanych]. Bush met on Jeju Island over the weekend,[link widoczny dla zalogowanych].
President Lee expressed hopes that Bush will continue working on plans for a presidential library and policy research center,[link widoczny dla zalogowanych].
The former U.S. president said he will also take part in moves to tackle poverty in Africa,[link widoczny dla zalogowanych], wipe out AIDS and improve women's rights in the Middle East. Bush linked signs of Korea's recent economic rebound to Lee's leadership,[link widoczny dla zalogowanych], calling him "a strong leader."
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In the eighth step, a huge wave of corporate defaults takes place and fear of counterparty risk looms large, deepening the credit freeze. In the ninth step, the "shadow banking system" collapses.

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U,[link widoczny dla zalogowanych].S,[link widoczny dla zalogowanych]. Secretary of State Hillary Clinton U,[link widoczny dla zalogowanych].S,[link widoczny dla zalogowanych]. Secretary of State Hillary Clinton is expected to visit Korea in mid-February in a trip that will give Korean officials an opportunity to discuss the policies of the new U,[link widoczny dla zalogowanych].S,[link widoczny dla zalogowanych]. administration on regional matters including the North Korean nuclear issue,[link widoczny dla zalogowanych].
A government official said the U.S. State Department has told Seoul she will visit Korea as part of her first world tour. "We understand that she will also visit Japan and China in addition to Korea,[link widoczny dla zalogowanych]," he added.
The official added the meeting will be more than a meeting to get acquainted but will discuss "a broad range of issues,[link widoczny dla zalogowanych], including bilateral cooperation in the North Korean nuclear and other issues and aid for Afghanistan."
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In the eighth step, a huge wave of corporate defaults takes place and fear of counterparty risk looms large, deepening the credit freeze. In the ninth step, the "shadow banking system" collapses.

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The 10th meeting of the Conference of the Contracting Parties to the Convention on Wetlands ended at the Changwon Convention Center on Tuesday,[link widoczny dla zalogowanych], after eight days of heated discussion on protecting wetlands. With over 2,[link widoczny dla zalogowanych],200 government and NGO representatives from 140 countries,[link widoczny dla zalogowanych], the Ramsar Convention adopted 32 resolutions including the Ramsar Strategic Plan 2009-2014 and a resolution to promote international cooperation for the conservation of waterbird flyways.
The convention also adopted the Changwon Declaration,[link widoczny dla zalogowanych], which reads in part,[link widoczny dla zalogowanych], ��Wetlands are vital parts of the natural infrastructure we need for mitigating and adapting to climate change. Governments need to include water and wetland management in effective strategies for mitigating and adapting to climate change at national level.��
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In the eighth step, a huge wave of corporate defaults takes place and fear of counterparty risk looms large, deepening the credit freeze. In the ninth step, the "shadow banking system" collapses.

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now, "oneiromancy plans · North 100" in Guangdong will be fully open, a hundred "scale every year 100", will ensure that each >
this just a news release, some people ridicule this is show. But in my opinion,[link widoczny dla zalogowanych], this is likely to be close to the reform and opening up of China's higher education, is a real education reform,[link widoczny dla zalogowanych], is bound to China's higher education, development and the future of society, have far-reaching impact.
from this point of view,[link widoczny dla zalogowanych], "oneiromancy plans · North 100" can be said to be a regression to the ancient civilian education in traditional china. Is the greatest significance, can let migrant workers enjoy the high quality education in China compared to the low cost of migrant workers, students not only can be free from entrance threshold are blocked,[link widoczny dla zalogowanych], can also from not sky-high fees endure -- if this is beautiful words, I really hope the country can follow the mode of Guangdong a show.
in fact, China has always been attention civilian education tradition,[link widoczny dla zalogowanych], Confucius has put forward "make no social distinctions in teaching" thought, the period of the Republic of China also has some outstanding scholars dedicated to the promotion of mass education. After the founding of new China, the people of the new regime,[link widoczny dla zalogowanych], but to make education available to the masses of workers and peasants to make unremitting efforts,[link widoczny dla zalogowanych], the educational level of the people improve rapidly, the illiteracy rate dropped rapidly.
but the elite education has the huge social problems. First it to most of the students into a loser,[link widoczny dla zalogowanych], because it can eventually become a "talent" is minority after all; secondly, also the most worrying, is breaking the elite education cannot heal, but exacerbated social fracture, the younger generation born grassroots family lost hope in the upper in the society,[link widoczny dla zalogowanych], forming the "grassroots -- elite" serious opposition, "rich", "Qiu Guan" feelings begin to spread. These are not affect China's social harmony.
China more than thirty years of education reform, one is "more talent, expand faster talent" slogan, the slogan on the surface looks completely harmless, in fact,[link widoczny dla zalogowanych], it is embodied in a concept of elite education -- education is not in order to improve the quality of all citizens, but only to foster and discover the talents. After the 90's of last century, along with the market logic in the field of education, education has gradually evolved into a kind of investment behavior, the monopoly of quality education is gradually from the rich family of children, is an indisputable reality.
sponsored jointly by the Guangdong Provincial Committee of Communist Youth League with Peking University and other units of the "dream project · North 100" 22 classes in Guangzhou, Guangdong enterprises from around 100 new generation industrial workers in the full funding, a Peking University network education undergraduate degree. Guangdong provincial Party committee deputy secretary Zhu Mingguo said, Guangdong will continue to integrate resources,[link widoczny dla zalogowanych], the replication "North 100" mode, for forming each year hundreds of "100" -- each year thousands of migrant workers to accept all kinds of training and education.
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Jang is in the spotlight along with director Chen Kaige and co-stars Cecilia Cheung, Hiroyuki Sanada and Nicholas Tse. Guests said Jang showed international caliber and with his charisma proved himself a perfect fit for the starring role.