106年勞工紓困貸款申請日期卡債協商的諮詢專家豐原 - debbiebuh3m 的部落格

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106年勞工紓困貸款申請日期卡債協商的諮詢專家豐原

2017/01/22 17:26

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鉅亨網新聞中心美國財政部數據顯示，中國在 2016 年 11 月減持 664 億美元美國國債，是連續 6 個月減持，而減幅更是 5 年以來最大。分析指，反映中國動用大量的外匯儲備去支持人民幣匯價。事實上，在上月公布的 10 月份數據已顯示，中國不再成為美國最大的「債主」，持有美債的金額被日本超越。而這次公布的 11 月份數據指出，日本持有美國國債金額總計為 1.11 兆美元，而中國則進一步跌至 1.05 兆美元，自 2014 年的高峰 1.32 兆美元，累計減幅達 2700 億美元。香港《明報》援引星展銀行經濟研究部經濟師周洪禮指出，這反映大陸支持人民幣匯價的代價，透過賣出美元資產，以便動用大量的美元去買回人民幣。去年 11 月美元走強，導致人民幣進入新一輪貶值浪潮，走資情况嚴重。外管局昨日公布，12 月銀行結售匯逆差達到 3203 億元人民幣，較 11 月份大增 4 成，逆差金額是去年 1 月以來最多，亦是連續第 18 個月出現逆差。總結 2016 全年，銀行結售匯逆差累計達 22465 億元人民幣。外管局國際收支司長王春英昨日重申，會加大對外匯違法違規活動的打擊力度，同時堅持貿易、投資便利化，她亦否認要求企業強制結匯的傳聞，並強調跨境資金流動將朝向均?的方向。交行金融研究中心高級分析員劉健預計，結匯進一步萎縮的空間有限，1 月份銀行結售匯逆差有望縮窄。他指出，投機的購匯受到限制，加上 1 月份以來，美元在高位回落，令人民幣貶值壓力稍為紓緩，都有助外匯供求趨向平衡，但 2017 年整體資本外流的格局，仍然難以扭轉。此外，去年中國外匯儲備下降 3198 億美元至 3.01 兆美元，較 2014 年 6 月最高峰時下降了 0.98 兆美元。香港《文匯報》引述王春英表示，從對外支付能力和債務清償能力看，按覆蓋 3 個月進口及 100% 短期外債規模測算，目前中國外匯儲備規模仍十分充裕，預計未來中國外匯儲備有條件在合理區間上下波動，隨着美元結束單邊只漲不跌走勢，民間部門持有的外匯可能再向官方儲備轉移。王春英指出，在對外債務償還方面，外匯儲備需要覆蓋 100% 的短期外債，目前本外幣短期外債規模為 8、9 千億美元，比 2014 年末的 1.3 兆美元明顯下降，說明近一段時期外債償還壓力已經得到較大釋放。另外，過去對外資產中官方儲備佔比較大，現在民間部門佔比上升。截至 2016 年 9 月末，中國民間部門對外資產佔全部對外資產的 49.7%，較 2015 年末上升 4.5 個百分點。外界普遍預期中國外匯儲備將繼續下降，而王春英則指出，未來，中國的外匯儲備有條件圍繞合理區間上下波動。

106年勞工貸款率利 10萬

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從「金錢觀念」看年紀...年輕真好

2017-01-2003:00

UNIONIZED? The company said it has a deal with the Taxi Driver Labor Union of the ROC, but a government official said it would maintain a crackdown on illegal servicesBy Shelley Shan / Staff reporterUber Taiwan yesterday announced plans to launch a new service called UberTAXI next month by working with local taxi operators.However, the Ministry of Transportation and Communications said the company would remain an illegal service provider and would be ordered to cease operations if it continues to hire drivers who do not hold a license to operate commercial vehicles.Uber Taiwan made the seemingly conciliatory move after amendments to the Highway Act （公路法） took effect earlier this month, raising the maximum fine for illegal taxi operators to NT$25 million （US$790,564）.Uber said that the service is a partnership with the Taxi Driver Labor Union of the Republic of China, adding that it would initially be offered in the Greater Taipei area.People could call a cab by using the Uber app and would be charged based on standard rates set by taxis operating in Taipei, Uber said.Despite its partnership with the union, the company said it has no intention to drop its UberX, UberBlack and UberAssist services, which use non-licensed drivers.“The introduction of UberTAXI shows that a sharing economy and taxis can coexist in Taiwan’s healthy, vibrant and diversified market, which benefits both drivers and passengers,” Uber Taiwan general manager Ku Li-kai （顧立楷） said. “The partnership [with the union] demonstrates Uber’s commitment to the Taiwanese market. We will continue our negotiations with government agencies and hope that the government would draft appropriate laws to regulate ride-sharing services.”Union chairman Lin Sheng-he （林聖河） said that it is looking forward to its partnership with Uber Taiwan, as the technology developed by the company can help cab drivers find more passengers and increase their income.Passengers will have another safe, reliable and quality service option, he said.Lin said that 60 to 70 percent of union members said in a survey that they were willing to be Uber drivers if there is another platform out there that matches the service requests with the taxi drivers.However, the partnership would cease if the company continues to dispatch illegal taxi drivers, he said.Taipei City Professional Drivers’ Union president Cheng Li-chia （鄭力嘉） said that Lin made a unilateral decision to work with Uber without consulting other groups.Department of Railways and Highways specialist Hu Ti-chi （胡迪琦） said that the ministry is not yet clear about the details of the partnership, but it is glad to see that Uber has decided to work with taxi operators.However, Hu added: “Even if part of Uber’s operation is legal now, we will continue cracking down on its illegal services. That is, if it continues hiring drivers who do not have a valid taxi driver’s license.”Uber will have to apply to become a legal transport service provider if it dispatches taxi drivers and charges passengers for the service, she added.Uber would not have any legal issue if it simply serves as a non-profit platform that matches taxi drivers with passengers requesting cab services, she said.However, it becomes a legal issue if Uber pays and dispatches drivers to offer services, because it is not a registered transport service operator, she said.Statistics from the Directorate General of Highways showed that as of Friday last week, Uber has been fined a total of NT$96.49 million: NT$73.25 million for the company and NT$23.24 million for its drivers.新聞來源：TAIPEI TIMES