Category Archives: Technology

The financial sector changed to increase or delay until July, the bank is facing higher cost of refo 西南科技大学小自考

The financial sector has changed to increase or delay until July, the bank is facing a higher cost of reform." A city business insider recently told reporters. As a major tax reform central advance for many years, many industries replacing business tax with value-added tax(VAT) has been the first step, the financial industry since the end of last year, the official tone included in the scope of the pilot, now is already in progress. In an interview with this reporter recently learned that since the beginning of last year, large commercial banks have started replacing business tax with value-added tax(VAT) project, and most of the city commercial banks at the end of last year, the official start of the relevant preparatory work, in accordance with the progress of the banking industry, replacing business tax with value-added tax(VAT) or early landing in the middle of the year. There are differences in the progress of banks, the reporter from the head of a financial institutions to change the project manager learned that the beginning of this year, the industry rumors of financial industry camp to increase the work will begin officially landing in April 1st this year. But for the moment, this timetable is more tense for most banks. "From the time point of view, it is clear that the possibility of landing in April 1st is not large, the industry is expected to be postponed to July 1st or October 1st formally implemented." The person in charge said. According to the reporter, large banks and joint-stock banks in last year 2 and March started the relevant work of the camp changed to increase, and most of the city commercial bank began to start the project consultation, program adjustment and system construction and other series of preparations at the end of last year. From now on, the progress of each line is different. In the industry generally speaking, there are two main factors affecting the progress of the progress. On the one hand, the financial industry replacing business tax with value-added tax(VAT) work is relatively complex, the policy for the financial industry comprehensive opening to spread a more cautious attitude of holdings. Instead of simply changing taxes, it is a revolution that will have a major impact on the vast majority of the major sectors of the bank." KPMG recently released the "2015 China Banking Report" said that the complexity and difficulty of replacing business tax with value-added tax(VAT) landing the implementation of the enterprise often exceeds expectations, especially for large banks with large scale and complex organization structure, business type complex and huge trading volume, the difficulty of hitherto unknown. On the other hand, due to the financial industry replacing business tax with value-added tax(VAT) specific program has not yet formally introduced, resulting in a number of banks have strong wait-and-see mood, the urgency is not strong; at the same time, the construction of business preparation and system for the majority of banks have been in reference to other industry standards and process of exploration. "At present, there are about 10% uncertain factors in the banking sector, and it needs to wait for a unified standard to continue." The person in charge said. Village banks or to tax levy from simple gauge experts point of view, the current banking implementation of replacing business tax with value-added tax(VAT) the main difficulty lies in the process of transformation, the implementation of information technology systems to achieve business transformation, and tax coordination, or the "10% factors of uncertainty and more urgent". The specific collection scheme for banking has been pending, and has become the main reason for some banks to promote the stagnation of the work. However, from the current majority of the voice of the industry to talk about

金融业营改增或延迟到7月 银行面临较高改造成本   “预计我们行今年年中将正式完成营改增工作。”一位城商行内部人士近日向记者透露。   作为中央推进多年的一项重大税改,不少行业营改增已先行一步,金融业自去年年底正式定调纳入试点范围后,如今也已有所进展。记者近日在采访中了解到,自去年年初开始,大型商业银行陆续启动营改增项目,而大部分城市商业银行也于去年年末正式开始了相关准备工作,按照目前的推进进度来看,银行业营改增最早或在年中落地。    各家银行进度有所差异   记者从某金融机构主管营改增项目的负责人处了解到,今年年初,有业内传闻金融业营改增工作将于今年4月1日开始正式落地。但从目前来看,这一时间表对于大部分银行而言较为紧张。   “目前从时间上看,显然4月1日落地的可能性已不大,业内预计可能要延迟到7月1日或是10月1日正式实行。”该负责人表示。   据记者了解,大型银行及股份制银行在去年2、3月份就启动了营改增的相关工作,而大部分城商行则于去年年末开始启动项目咨询、方案调整及系统建设等一系列准备工作。从目前来看,各行推进的进度有所差别。   在业内普遍看来,目前影响推进进度的因素主要存在两方面。一方面,金融业营改增工作相对复杂,政策上对于金融业全面铺开营改增持较为慎重的态度。   “营改增不是简单的税种变化,而是一场将对银行绝大多数主要部门产生重大影响的变革。”毕马威在近期发布的《2015年中国银行业调查报告》中表示,营改增落地实施工作的复杂性和难度往往超出企业的预期,尤其是对于规模庞大、组织结构复杂、业务类型复杂和交易量巨大的大型银行而言,难度前所未有。   另一方面,由于针对金融业的营改增具体方案迟迟没有正式出台,导致一些银行存在较强的观望情绪,紧迫程度不强;与此同时,大部分银行的业务准备及系统建设一直在借鉴其他行业的标准和流程中摸索进行。   “目前银行业营改增工作还有10%左右的不确定性因素,需要等待统一的标准落地后才能继续。”上述负责人透露。   村镇银行或以简易计税法征收   从专家普遍观点来看,当前银行业实施营改增的难点主要在于进行流程改造、实施信息技术系统改造、实现业务与税务配合衔接等,而更亟待解决的还是上述“10%的不确定性因素”。   针对银行业的具体征收方案一直悬而未决,成为部分银行推进工作停滞不前的主要原因。不过,从目前业界的多数声音来看,银行业采用一般征收方法会成大概率事件。   毕马威的报告显示,“财税部门考虑对金融保险业采取6%的增值税税率,采用一般征收方法,即对于登记成为增值税一般纳税人的企业而言,应交增值税等于销项税额与进项税额之差。”   银行业内人士也肯定了这一说法:“目前大部分银行基本可以确定将按照一般纳税人征收。”   不过,他同时透露,目前对于村镇银行的争议较大,有可能按照小额纳税人性质按简易计税法征收:“这种不确定性导致了现在大部分村镇银行都还在观望,大多没开始行动。”   另一争议的焦点则是银行业的应税收入多种多样,手续费、利息收入、金融投资等收入如何纳税均存在问题,且哪些购买的服务可以抵扣税收也是难点。   平安证券银行业分析师黄耀锋分析称,对银行业来说,难度在于增值税中的进项税抵扣很少且难以界定。   “我们预计银行业营改增有望采取一般计税法,对贷款利息收入、手续费与佣金收入、投资净收益征收销项税。”黄耀锋认为。   上述负责人表示,“目前的推进工作都是在借鉴其他行业的基础上,借助政府部门的相关培训来做,而这些悬而未决的因素最终如何,还要等待具体的政策方案出台。”   税负变化总体预期持平   银行业营改增在即,其实施将对银行业产生哪些影响?就目前来看,系统改造成本、税负的变化及对利润的影响是业内最为关心的话题。   从系统改造方面方面来看,业内人士表示,银行业的确面临着比其他行业更高的改造成本。   “营改增后,涉税收入要做一些调整,与其他行业相比,银行业涉及的系统改造范围更广,只要涉及收入类的系统,包括利息收入、中间业务收入、同业收入等系统都要涉及改造,成本相对偏高。而具体到每一家银行,由于其业务不同,改造难易程度不一样,系统改造成本也会有所差异。”上述负责人表示。   从税负变化来看,业内分析称总体上会持平,但不能一概而论。   “营改增前后总体上税负相当,但也因银行而异。”业内人士认为,由于增值税涉及销项、进项,具体变化与一家银行的收入结构、业务种类相关,因此最终会有所差异。   至于利润影响方面,业内人士认为,营改增对银行业总体利润影响呈中性,不会带来银行业经营效益的大幅增加或减少。   “按照一级半计税法和6%的增值税率来测算,银行业营改增对净利润的影响平均仅在-0.4%,总体来说,对银行业净利润的影响十分有限。”黄耀锋表示。   除此之外,业内人士认为,长期来看,营改增将有利于银行业的发展。由于总体增值税改革或许会降低部分企业借款者的税收成本(因为这些借款者可从银行贷款利息中获得进项税抵扣),这对银行的资产质量为边际利好。   专家认为,“银行改征增值税,实现收入价税分离,满足下游实体企业抵扣进项税金的需要,有利于提升金融业服务实体经济的能力。同时,下游实体企业由于抵扣进项税金而减轻经营成本,有利于反向改善银行信贷环境,促进经济平稳增长。” 进入【新浪财经股吧】讨论相关的主题文章:

Women’s favorite Valentine’s Day – Sohu 果汁鱼块是哪个地方的菜

Women’s favorite Valentine’s Day – Sohu BNT news to February, in addition to the Spring Festival holiday, there are some women looking forward to a long day, that day is Valentine’s day. In the past, Valentine’s Day was just a special day for each other’s chocolates. Today, women can also use this day to identify their boyfriends’ love for themselves. If you suddenly to himself, then can borrow a Valentine’s day for Anna’s girlfriend prepared a small gift? It doesn’t matter if you don’t have expensive gifts. It’s important to know how to choose a gift that you like. The following Xiaobian recommend especially for your girlfriend’s three beauty products. BEST 1. beauty cleansing instrument, first of all, choose gifts to let yourself and each other have no burden. Usually, many boys don’t want to give some cheap gifts, but they don’t have the financial strength to send expensive gifts to each other. So, how about sending a beautiful facial cleanser for girls as Valentine’s Day gifts? Coleri (CLARISONIC) Mia2 acoustic transparency system patented technology with 300 times per second swing micro massage oscillation, mild and efficient fluid power show 6 times more than the traditional hand washing cleaning effect. Women want to be more beautiful in front of their boyfriends. If you can think of the other person’s will and give a suitable gift, it will be better. BEST 2. boys are usually not found lipstick to the girl some changes in the body, so when a woman asks you, you always don’t know what to say, the answer may be the details of lip color change. If you still feel guilty about your careless, you might as well send a lipstick to express your apology. Dior (Dior) ROUGE DIOR is a docile force and tinting excellent lip products. When choosing colors, choose "N° 999 ‘to improve femininity and sexy charm.". Beautiful and seductive red can deduce mature women’s taste. BEST 3. inner beauty products cold winter, in order to rough skin due to dull and sad girlfriend, most of the boys will send a replenishment cream. But there are more effective products than the coated ones. If you prepare a particularly novel oral cosmetics, then women may be full of praise! (strain) new way I love Latin American Li Pando (NEWTREE PANDORA BEAUTY TIME Cola light EverCollagen TIME) contains low molecular weight collagen peptide composition for skin, supply moisture and nutrition. As long as the daily intake of a package, both convenient and effective, as a beauty products, high popularity. Jin Runjing Jin Meiwen Niu Li Road (Shanghai) trading company, CLARISONIC collet Li, Dior Dior, BNT DB www.pandorabeauty.me BNT news news submission e-mail news@bntnews

女人喜欢的情人节礼物大全-搜狐      bnt新闻讯 到了2月除了春节长假还有些让女人期待已久的日子,那天就是情人节。在过去,情人节单单只是送给对方巧克力的特别的日子。而如今,女性还可以借着这一天来确认男朋友对自己的爱意。   如果平时忽于表现自己的内心,那么可以借着情人节来为心怡的女友准备一件小小的礼物如何? 即使不是昂贵的礼物也毫无关系,重要的是要懂得选择一款让对方喜欢的礼物。下面小编就特别为大家推荐适合送给女友的三件美容产品。   BEST 1. 美容洁面仪      首先,选择礼物时要让自己和对方都没有任何负担才可以。通常很多男生都不愿送一些太过廉价的礼物,但又没有经济实力去送对方昂贵的礼物。那么不妨送一款女孩儿们都喜欢的美容洁面仪作为情人节礼物如何?   科莱丽(CLARISONIC) Mia2 声波净颜系统专利技术以每秒300次的摇摆性微按摩振荡温和高效的流体动力展现出6倍于传统手洗清洁功效。女人都想在男友面前看似更加美丽,如果这时你能想到对方的这份心意,送一款合适的礼物,那将再好不过。   BEST 2. 唇膏      男生通常都发觉不到女孩身上的一些变化,所以当女人问你时,你总是不知该说些什么,答案有可能是唇色等细节上的变化。如果你还为你的不细心感到愧疚,不妨送一款口红来表示你的歉意。   迪奥(Dior) ROUGE DIOR是服帖力和着色力较优秀的唇妆产品。选择颜色时建议挑选提升女人味儿和性感魅力的‘N°999’。靓丽蛊惑的红色能够演绎成熟女人味儿。   BEST 3. 内在美容产品      寒冷的冬季,为了因皮肤粗糙暗淡而伤心的女友,大部分男生会送一款补水面霜。但是还有比涂抹式产品更有效的产品。如果准备一款较为特别新颖的口服化妆品,那么女人可能会赞不绝口哦!   (株)纽途丽潘多拉美爱我可乐亮TIME(NEWTREE PANDORA BEAUTY EverCollagen TIME )中含有低分子胶原蛋白肽成分,为皮肤深层供给水分及营养。只要每天早上摄取一包,既方便又有效,作为美容产品人气极高。金润靖 金媚 文 纽途丽(上海)商贸有限公司,CLARISONIC 科莱丽,Dior 迪奥,bnt新闻DB www.pandorabeauty.me   bnt新闻 投稿邮箱 news@bntnews相关的主题文章:

Yongan pharmaceutical products were sued in the United States will actively prepare relevant respond 芹沢纪香

Yongan pharmaceutical products being sued will actively prepare the respondent hot column capital flows thousand thousand shares of stock on the latest rating diagnosis simulated trading client App Sina Finance in the United States: Live on-line bloggers to tutor you say stocks contest 60 million, reporter Zhu Wenbin Qiu Jiang, editor of Yongan pharmaceutical disclosed today, companies from the United States Puying LLP Shanghai representative office was informed that the company in the United States District Court for the District of New Jersey for alleged patent infringement prosecution. The plaintiff claimed that Yongan pharmaceutical products infringe its taurine in the United States "450 patent" and "451 patent", the patent for the main content of new manufacturing process of taurine. The plaintiff requests the court, constitute infringement, and request a permanent ban, all individuals, and the defendant or the defendant related entities involved, and the defendant against the defendant to the abuse of patent right and patent 450 "or" 451 patent ", and cut the amount of certain damage compensation, including the ability to fully compensate for the infringement by the defendant act of the damage compensation, pre judgment interest and litigation costs etc.. At present, the Yongan pharmaceutical industry has not yet received the formal litigation documents of the U.S. judicial organs, but based on the principle of prudence, will actively prepare relevant respondent work. Data show that taurine has been widely used in functional beverages, infant milk powder, medicine, pet food and feed in other countries. As the largest supplier of taurine in China and the world, Yongan pharmaceutical accounts for 50% of the global market. It is understood that the company’s taurine products 80% for export. According to the annual report, taurine occupies an increasingly important position in the main composition of Yongan pharmaceutical industry in recent years. From this, the company admits, if lost, may have an important impact on the company. THE_END into Sina Financial shares bar discussion

永安药业拳头产品在美遭起诉 将积极准备相关应诉工作 热点栏目 资金流向 千股千评 个股诊断 最新评级 模拟交易 客户端 新浪财经App:直播上线 博主一对一指导 你说了算 上炒股大赛分掉6000万   ⊙记者 朱文彬○编辑 邱江   永安药业今日披露,公司从美国普盈律师事务所驻上海代表处获悉,公司在美国新泽西地区地方法院因涉嫌专利侵权被起诉。   原告声称,永安药业的牛磺酸产品侵犯了其在美国的“450专利”和“451专利”,该专利内容主要为牛磺酸的新型制造工艺。原告请求上述法院判决公司构成侵权,同时请求永久禁令,禁止被告以及与被告相关的所有个人、与被告相关或者被告参与的实体,禁止侵犯“专利450”和 或“专利451”的专利权,并裁定损害赔偿额,包括能够充分弥补因被告侵权行为给原告造成侵害的赔偿、判决前的利息以及诉讼费用等。   目前,永安药业尚未收到美国司法机构的正式诉讼文件,但基于谨慎性原则,将积极准备相关应诉工作。   资料显示,牛磺酸在国外被广泛地应用于功能性饮料、婴幼儿奶粉、药品、宠物食品和饲料等领域。作为国内乃至国际上最大的牛磺酸供应商,永安药业占全球市场的份额高达50%。据了解,公司牛磺酸产品80%用于出口。年报数据显示,近年来,牛磺酸在永安药业的主营构成中占据的地位越来越重要。由此,公司坦言,如若败诉,可能会对公司产生重要的影响。THE_END 进入【新浪财经股吧】讨论相关的主题文章:

Fx112 better than expected U.S. retail gold downward shock resistance 安庆师范学院龙山校区

FX112: better than expected U.S. retail gold downward shock resistance client to view the latest market review on Friday non US trend, the U.S. January retail sales data better than expected, the Dow rose in the risk appetite promotion, and the corresponding gold hit profit taking pressure. On Monday, risk appetite continued, before the euro, the yen, the gold price fell. On Friday, the euro dollar fell to 1.1213, closing at 1.1257. The dollar shows a slightly higher trend. The dollar index rose to 96.22, closing at 95.96. The yen rose to 1.1375 last week, closing at 1.1317. Gold closed at 1240.35. The data released by the commerce department on Friday showed that the retail sales month rate rose by 0.2% in January, better than the market expected to rise by 0.1%; after December retail sales improved by 0.2%, the initial value was decreased by 0.1%. In addition, the United States in January to deduct car retail sales month rate increased by 0.1%, also better than expected flat. The rise in household consumption will help the United States resist the negative effects of the stronger dollar, sluggish overseas demand and turbulence in the financial markets. Consumption accounts for the largest proportion of the American economy. Basically, the main factor affecting the market is the data of the United States, as well as the expectations of the central banks [micro-blog] on the monetary policy of their own economic prospects. The results of the US data directly affect the market risk appetite. And the central bank’s monetary policy is still looser. On Monday, the U.S. holiday, as if the hedge assets suffered a profit, now needs to test the bottom support. Today, the focus is on ECB President Mario. Delagi speaks, the market seeks the track that the interest rate resolution is loose in March. The move suggests that the euro is also in short supply against the dollar and the euro, but the euro faces greater pressure on Monday as the stock market moves upward. Operation, near 1.1230 short euro, stop 1.1265, the target to see 1.1180, after the success of broken, and then look to the 1.1100 and 1.1050 areas. In the early Asian session, the euro was in a narrow range against the dollar, and the euro was quoted at 1.1212. The yen rose against the dollar during the Asia Pacific period on Monday, as the Japanese Prime Minister condemned the excessive volatility of the foreign exchange market and increased stock prices in most regions, weakening the demand for yen as a hedge currency. It is expected that the exchange rate will fall below the 115 support position, and then the target will be next to 122 points, 113.55 in the United States and Japan can be gradually considered, and the current US dollar yen offer 113.75. Gold Monday Asian plate gold prices fell sharply, continued since last Friday’s downward trend, after the price of gold rose earlier, investors choose to profit. The explosive market in early 2016 to promote the price of gold reached the highest point in a year, the global stock market bear market, the dollar fell, and negative interest rates spread from other markets to allow investors to run away in panic, into the gold market, gold short-term upward trend has not changed. Day.

FX112:美零售好于预期 黄金遇阻震荡下行 客户端 查看最新行情   回顾上周五非美走势,美国1月零售销售数据好于预期,在风险偏好情绪提升下,道指上涨,对应的黄金遭遇获利了结打压。周一开盘风险偏好情绪延续,之前被超过高的欧元,日元,黄金价格回落。周五欧元 美元最低下跌到1.1213,截止收盘报1.1257。美元呈现小幅走高的走势。美元指数最高上涨到96.22,截止收盘报95.96。日元 美元上周上行到1.1375,截止收盘报1.1317。黄金截止收盘报1240.35。美国商务部上周五公布的数据显示,1月份零售销售月率上升0.2%,好于市场预期的上升0.1%;12月份零售销售修正后为上升0.2%,初值为下降0.1%。此外,美国1月扣除汽车的零售销售月率增加0.1%,同样优于预期的持平。家庭消费上升,将有助于美国抵挡美元走强、海外需求低迷和金融市场动荡带来的负面效应。消费在美国经济中所占的比重最大。   基本上看,目前影响行情的主要因素还是美国数据的结果,以及各国央行[微博]对本国经济前景的货币政策预期。美国数据的结果直接影响到了市场风险偏好情绪情况。而各国央行的货币政策目前还是偏宽松的。周一由于美国假期,似乎避险资产遭遇获利了结目前需要测试下方支撑。而今日重点是看欧洲央行行长马里奥。德拉吉讲话,市场寻求3月利率决议是否宽松的踪迹。   操作建议   欧元兑美元   欧元日内同样缺少数据作为支撑,不过在股市上升的趋势下,欧元周一仍面临较大压力。操作上,1.1230附近做空欧元,止损1.1265,目标看向1.1180,成功下破后再看向1.1100和1.1050区域。亚洲早盘时段欧元兑美元时段内窄幅震荡,现欧元报价1.1212。   日元兑美元   周一亚太时段,美元兑日元上涨,因日本首相谴责外汇市场过度波动,且多数地区股市上涨,削弱了对日元这一避险货币的需求。预计汇价将跌破115.00支撑位,此后目标依次下看122.00附近点位,日内美日企稳113.55可以逐步考虑做多,现美元 日元报价113.75。   黄金   周一亚盘金价大幅回落,延续了上周五以来的回落趋势,在金价此前的大涨后,投资者们选择获利了结。2016年初的爆炸性行情推动黄金价格达到一年来最高点,全球股市熊市、美元下跌以及以及负利率扩散让投资者从其他市场仓皇出逃,进入黄金市场,短期黄金上行趋势未有改变。日内操作上,黄金1120区域高空,止损1128,目标1110-1100之间。现黄金报价1213.46。 新浪声明:新浪网登载此文出于传递更多信息之目的,并不意味着赞同其观点或证实其描述。文章内容仅供参考,不构成投资建议。投资者据此操作,风险自担。相关的主题文章: