Baoji south station to Baoji Central Hospital
after a share fell by 70%, it finally ushered in three favorable policies. However, the painful lesson from the bear market tells me that I should carefully record the market, treat the market dialectically, and not speculate on the market based on personal subjective wishes. Well, let my record tell you that the market will give me wealth in such a bear market
I. The Enlightenment of the growth rate of the net value of the equity funds: by recording the growth rate of the net value of the Open-end Equity Funds on the blowout day and the crash day, we can roughly calculate the proportion of positions of this kind of funds. Because assuming that the stock index rises by 10% and the net value of equity funds only increases by 6%, we can conclude that the fund position is about 60%. Based on the calculation of this assumption, the fund's position is lower than that on April 24, 2008, August 20 and June 4, 2007 (see Table 1), which basically meets the minimum position standard of stock funds stipulated by the policy. In particular, Xinfa's position is very light according to the data published by China Fund Network (see Table 2), so the follow-up fund is relatively loose, For the sustained development of the market to provide some protection. From the observation of historical data, the stock trend of institutional intervention is not as strong as that of hot money stock, so the stock of institutional intervention may not immediately rise, which also affects the rapid development of the market. From table 1, we can also see that after the rebound on September 19, the market continued to attack with volume on September 22, and the net value growth of the fund did not keep pace with the market. There are two possibilities: one is that the fund may be distributed at a high price, and the other is that the varieties involved in the fund are not the strong stocks in this round of market. If this is the case, the fund's position adjustment and stock exchange in the future will cause wide fluctuation of the market. Table 3 is the statistics of the reciprocal ranking of the net value growth of the stock funds on September 22. Comparing Table 2 and table 3, it is not difficult to see that the funds increased their positions and changed their positions for shares on this day. Of course, the above analysis is only a rough calculation, which can only provide a little data support for our operation, and the real operation depends on more data, even the stock opening performance< Second, the market can be viewed through public information: the trading seat data of the day before and on the blowout day are worth thinking about. It will tell us some operation ideas of some main forces or hot money. Through the understanding of the market by some professional institutions, we can understand the essence of the market more deeply (see Table 4): through the public information of the exchange, I have counted 4? 3、4? 4、8? 9、8? 0、9? 8、9? 9、9? From the trading situation of several key dates, we find that the seat data on September 18 is different from that on April 23 and August 19. With the continuous decline of the stock index, institutions begin to show signs of low buying, while the bottom short selling is graally weakening. But the same point is that the blowout day is accompanied by a large number of capital flight. It can be seen that the policy is good, and it is difficult to restore people's confidence in the short term. If the stock market wants to go well, we must establish a fair, just and sustainable market, and let the long lost confidence return to people's hearts< Third, "quasi stabilization fund" entered the market, and the policy gave confidence support: from the public information, Huijin increased its holdings of the three major stocks on September 23. Although it made few moves, it intervened when three consecutive trading limits were opened. It was necessary to be cautious, but it also told us that the operation idea could not catch up. Huijin's prudence provided the follow-up fund guarantee for the in-depth development of the market, It reflects the determination of maintaining the stability of the policy and has a certain role in curbing the further flight of big and small non-governmental organizations< Four, waiting for a batch of companies to buy back: under the premise of increasing their own shares, there are almost no companies to buy back. Maybe buy back is another signal of the market turning for the better. However, it remains to be seen whether the speculation on buy back can lead to the treasure hunt of the stock reform in 2005< 5. Hidden dangers in the rebound Market: according to the closing statistics of recent trading days, the sectors that continue to rise are mainly financial, oil, coal, non-ferrous metals and other sectors. Most of the listed companies in these sectors are large cap stocks. At the beginning of the market, the confidence is not enough and the international economic situation is still not optimistic. At this time, if we want to drive or stabilize the market through large cap stocks, After all, the recent favorable situation can not fundamentally solve the re ranking of stock prices and valuations in the era of full circulation. Under the premise that the capital growth rate is not as fast as the stock supply rate, in order to launch a big market, we must have follow-up positive policies to help rebuild confidence and encourage morale< 6. Good wishes: at the end of 2005, it was launched under the stimulation of the share reform, the admission of rescue funds and the determination of the government to "start without turning back". Now, it is launched under the stimulation of buyback and the increase of major shareholders, the admission of "quasi stabilization fund" and the joint rescue of governments around the world. The situation is far worse than before, But I still hope that the management can be prepared, reform the stock market from the system, and give confidence from the capital. Then when the stock market drops by 70%, indivial stocks begin to emerge, and the dividend is greater than the deposit interest, we can still be cautious and optimistic about the future market<
the measures to rescue the market are not measures to stimulate the economy
with the continuous deterioration of the external environment, the trend of domestic house prices has been established, and the domestic demand represented by real estate investment is facing the risk of further slowing down. The news that Baosteel continuously lowered its steel quotation in October and November further verified the downward trend of domestic demand. At present, the market is in an oversold state. Although the bad news may not be over, the excessive decline of a shares will be corrected by rebound in the short term. The height and ration of rebound depend on the speed of incremental capital inflow and the subsequent monetary and fiscal policies adopted by the government to maintain economic growth. At the same time, the impact of the external global economic environment on China's economy can not be ignored. At present, except that the valuation is basically at the bottom, corporate profits (that is, economic growth), stock supply and demand and investor confidence are not concive to the continuous rise of the stock market. Worry about fundamentals is likely to become the main tone of the market again. Maybe it will take time for the market trend to be verified again and the policy side to be further clarified. In order to reverse the situation, we need to have a variety of conditions, such as the recovery of macro-economic prosperity, the acceleration of enterprise profit growth, and the stabilization of the international economy and market. We also need to be optimistic after the middle of next year.
From the date of employment 30 days to the housing provident fund management center for deposit registration
according to Article 15 of the regulations on the administration of housing provident fund, if a unit employs an employee, it shall register with the housing provident fund management center within 30 days from the date of employment, and handle the establishment or transfer proceres of the employee's housing provident fund account
in case of termination of the labor relationship between the unit and the employee, the unit shall handle the change registration with the housing provident fund management center within 30 days from the date of termination of the labor relationship, and go through the proceres of transferring or sealing up the employee's housing provident fund account. The monthly deposit amount of the employee's housing provident fund is the monthly average salary of the employee in the previous year multiplied by the deposit proportion of the employee's housing provident fund
extended information:
the relevant requirements of provident fund payment are as follows:
1. The unit shall remit the housing provident fund deposited by the unit and paid on behalf of the employees to the special account of housing provident fund within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the account of employees' housing provident fund
2. For the units that have difficulties in depositing the housing provident fund, the deposit proportion can be reced or postponed after the discussion and approval of the staff congress or the trade union of the unit, the examination and approval of the housing provident fund management center and the approval of the housing provident fund management committee; When the economic benefit of the unit improves, the deposit ratio shall be increased or the payment shall be postponed
3. If the employee dies or is declared dead, the heirs and bequests of the employee can withdraw the balance in the employee's housing provident fund account; If there is no heir or bequeath, the balance in the employee's housing provident fund account shall be included in the value-added income of the housing provident fund
Before depositing the provident fund for employees, they need to hold the following documents to the local housing provident fund management center for account opening proceres
1. Original + of plicate of business license of enterprise legal person
2. Original and of organization code certificate issued by national quality and technical supervision department
3. Original and of ID card of legal representative
4. Original and of ID card of the operator
5. A of the unit registration form (which can be downloaded from the Internet or filled in at the site of the housing provident fund management center) uniformly printed by the housing provident fund management center filled in by the unit
6. Official seal
after the unit is registered in the housing provident fund management center, the unit shall go through the proceres of setting up housing provident fund account for its employees with the unit registration form and the of employee ID card within 20 days. Each employee can only set up a housing provident fund account
extended data
characteristics
1. Universality: urban employees, regardless of the nature of their work unit, family income and whether they have housing, must pay the housing provident fund in accordance with the regulations
The management center of housing provident fund has the power to order it to be handled within a time limit if the unit fails to register the payment of housing provident fund or set up the housing provident fund account for its employees. If it fails to do so within the time limit, it can be punished according to the relevant provisions of the regulations and apply to the people's court for compulsory execution In addition to the housing provident fund deposited by employees, the unit also has to pay a certain amount for employees, and the interest rate of housing provident fund loan is lower than that of commercial loan (4) the housing accumulation fund deposited will be returned to the indivial employee if the employee retires, retires, or completely loses the ability to work and terminates the labor relationship with the unit, moves out of the registered permanent residence or settles abroad nature
1. Indemnificatory, the establishment of staff housing provident fund system provides security for workers to solve housing problems quickly and better
The establishment of housing accumulation fund system can effectively establish and form the mechanism and channel for the workers with housing to help the workers without housing, and the housing accumulation fund provides help for the workers without housing in terms of funds, which reflects the mutual assistance of the workers' housing accumulation fund (3) for a long period of time, every urban employee must pay personal housing provident fund from the date of work to the time of retirement or termination of labor relations; The unit where the employee belongs should also deposit the housing accumulation fund for the employee subsidy according to the regulations1、 New account opening: employees have never paid the provident fund
1. First, they need to go to the local provident fund management department to handle the unit account opening proceres
(1) official seal, financial seal and corporate seal(2) approval documents for establishment of units
(3) original and plicate of business license, organization code certificate of business license
(4) original and of tax registration certificate(5) ID card of operator (special manager) and ID card of legal person
(6) payroll
(7) employee deposit list and employee register
the above materials should be copied in plicate on A4 paper
2. Indivial account opening: search and handle indivial account opening according to the employee list (inventory)
3. Payment and distribution of provident fund: sum up the total amount of provident fund that the company needs to pay to the employees, and pay at the bank told by the provident fund center
4
(1) inform the employee's original unit, and the other unit will handle the transfer proceres for the employee(2) only after receiving the transfer notice of employee's provident fund sent by the deposit bank of the other party's provident fund can the employee's provident fund be paid
(3) fill in the above triplicate "detailed list of changes in provident fund" and the triplicate "collection and payment of provident fund"2. If the employee has opened a provident fund account and the account is sealed in the provident fund management center office:
< P > (1) the new unit shall handle the transfer proceres of provident fund(2) fill in the "Notice of transfer of provident fund" in plicate, and first hand over the notice to the provident fund handling bank (CCB)
(3) after receiving the notice of transfer in of employee's provident fund sent by the deposit bank, fill in three copies of the change list of provident fund and three copies of the remittance letter of provident fund. In addition, if you leave the wrong address, you'd better go to the bank to change it, otherwise there will be trouble in the future
to inquire about the provident fund, you can go to the hall of your provident fund center for self-service inquiry, you can also call the provident fund center for inquiry, and you can also go to the website of the provident fund center for inquiry
penalties for unit's failure to handle and pay provident fund to employees in accordance with the law:
1. Article 37 of the regulations on the administration of housing provident fund stipulates:
& quot; In violation of the provisions of these regulations, if the unit fails to go through the registration of housing provident fund deposit or the proceres for the establishment of housing provident fund accounts for its employees, the housing provident fund management center shall order it to go through the proceres within a time limit; If it fails to do so within the time limit, it shall be fined not less than 10000 yuan but not more than 50000 yuan& quot;
Article 38 of the regulations on the administration of housing provident fund stipulates:& quot; If the unit fails to pay or underpay the housing provident fund within the time limit in violation of the provisions of these regulations, the housing provident fund management center shall order it to pay within a time limit; If it still fails to deposit within the time limit, it may apply to the people's court for compulsory execution& quot;
Article 39 of the regulations on the administration of housing provident fund stipulates: & quot; If the Management Committee of the housing provident fund violates the provisions of these regulations in examining and approving the plan for the use of the housing provident fund, the construction administrative department of the State Council in conjunction with the financial department of the State Council or the construction administrative department of the people's Government of the province or autonomous region in conjunction with the financial department at the same level shall make corrections within a time limit in accordance with the administrative power and responsibility orders& quot;
< H2 > reference: network housing provident fund
Network housing provident fund
Network housing provident fund management regulations
understanding RMB in session 2 (2)
topic ｜ understanding RMB (2) ｜ course type ｜ new teaching ｜
design description ｜ 1. Create situations according to the actual life to stimulate students' interest in learning. ｜ In the introction process, we can find out how much lucky money students have received ring the Spring Festival, and what the face value is. These problems can not only stimulate students' interest in learning, but also build an emotional foundation for learning new knowledge 2. Use the composition of numbers and knowledge to realize the transfer and learn the exchange of RMB The design of example 4 is mainly to help students realize RMB exchange of different denominations. Small denomination RMB students are easy to exchange, but large denomination RMB students have some difficulties in understanding. Therefore, before teaching to exchange RMB of each denomination, let the students say how many ones or tens there are in each denomination, and then exchange them. This design not only reces the students' learning difficulty, but also realizes the transfer of knowledge
Learning Objectives 1. Enable students to know the face value of 5 yuan, 10 yuan, 20 yuan, 50 yuan and 100 yuan RMB 2. Master the exchange methods of various denominations of RMB 3. Let students understand the function of RMB in social life and commodity exchange
learning focus ｜ know RMB with face value of 5 yuan and above. ｜
learning difficulties ｜ master the exchange method between different denominations of RMB. ｜
preschool preparation teaching aid preparation: ppt courseware Learning tool preparation: RMB sample
class arrangement 1 class hour
teaching link guide case study case compliance test
1. Review old knowledge and introce new lessons Organize students to exchange how much money they receive ring the Spring Festival and the face value of the money 2. Introce the new lesson, do you know these large face value RMB? Can I exchange RMB? In this lesson, we will learn these knowledge 1. Answer the teacher's questions enthusiastically and tell us how much money you have for the Spring Festival
1. First of all, you need to go to the local provident fund management department to handle the unit account opening proceres
information required for opening an account: official seal, financial seal, legal person seal, approval document for establishment, business license, organization code certificate, ID card of operator (special manager), legal person id card, wage payment form, employee deposit list and employee register
2. Indivial account opening: handle indivial account opening according to the employee list (inventory)
3. Payment and distribution of provident fund: sum up the total amount of provident fund that the company needs to pay to the employees, and pay at the bank told by the provident fund center
4
extended information:
new company enterprise housing provident fund processing process:
1, processing conditions:
1, belongs to the enterprise
2
Second, the information needed:1
2
3. Business license, such as approval document for establishment, organization code certificate, business license or legal person certificate
4
5. ID card of legal representative or person in charge of the unit
Other related data Third, the handling process:1. The agent of the unit carries the above information to the provident fund institution to apply for handling
2. The staff accepted and reviewed the data
3. After the audit, we can handle the provident fund
if the deposit unit needs to transfer collectively e to merger, division and other reasons, it shall be handled uniformly by the unit
for the transfer within the scope of the city, the notice of transfer of housing provident fund should be filled in and sealed by the bank and then directly handled at the deposit bank
for the transfer from this city to other cities, the employee or his entrusted agent shall hold the acceptance letter issued by the housing provident fund management center of the transfer place, the employee's ID card (the agent's ID card shall be provided for the entrusted agent) and the written application signed by the employee, which shall be submitted to the deposit bank after being reviewed by the collection management organization of the housing provident fund management center
for those who are transferred from other cities to this city, the employer will add an account for the employee, and then issue a letter of acceptance with his / her identity certificate after being audited by the collection management organization of the housing provident fund management center, and go through the transfer proceres at the housing provident fund management center of the original deposit place.