青岛新阳光女子医院妇科人流大河生活

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原标题: 青岛新阳光女子医院妇科人流康泰社区
Bank of America was reported to have reached a settlement with American regulators to pay around 17 billion for mis-selling mortgage-backed securities in the run-up to the 2008 financial crisis. It is by far the biggest penalty levied on a single company. A significant chunk of the fine relates to toxic mortgage products handled by Countrywide Financial and Merrill Lynch, which BofA bought when both were teetering on the edge of bankruptcy.据报道美国已于美国监管部门已就其在2008金融危机前期不合格的抵押债权问题达成协议,将付约170亿美元罚款。这是截至目前对单个公司收取的最高罚款金额。其中大部分金额与美国金融公司和美林券公司所售卖的次级抵押品有关,而美国在这两家公司濒临破产时进行了收购。Benjamin Lawsky, New York states financial regulator, slapped a 300m fine on Standard Chartered for failing to comply with anti-money-laundering procedures it had agreed to as part of a previous settlement in 2012. He also imposed a 25m penalty onPricewaterhouseCoopers for softening a report about payments from Iran and other sanctioned countries made through Bank of Tokyo-Mitsubishi in the face of pressure from the banks executives.纽约金融监管员本杰明·罗斯基对渣打处以3亿美元罚款,因其未能遵守在2012年同意签署的反洗钱协议。同时他还强迫普永华道会计师事务所向其付2500万美元的罚款,因其不顾高管的压力,执意软处理关于伊朗和其他被制裁国家通过东京付款的报道。The minutes of the August meeting of the Bank of Englands Monetary Policy Committee revealed a split among its members on interest rates, with two voting to raise rates and seven against. It was the first split in the MPC for more than three years and refuelled speculation that the bank might lift rates towards the end of this year. The minutes from the Federal Reserves July meeting showed a lively debate about the timing of a rate rise, but suggested officials wanted to see more evidence that the American economy has fully recovered.据悉英国货币政策委员会在八月的会议上就的利率问题未能达成一致意见,其中2名委员认为应该提升利率,而7名委员提出异议。这是英国货币政策委员会首次在长达三年多的时间里还未能达成一致,同时也增加了将于今年年底提高利率这一推测的可能性。美联储七月份会议也就何时升息展开了激烈的辩论,但最终决定需要看到美国经济已完全复苏的进一步据才能下定论。Thats a lot of dollars好多美元A bidding war broke out among Americas biggest discount retailers when Dollar General offered to buy Family Dollar in a 9.7 billion offer that trumped an earlier tender from Dollar Tree.The combined revenue of Dollar General and Family Dollar is 28 billion.在达乐公司向家庭美元商店提出比美元树公司更高的97亿美元的收购要约美国后,最大的几家折扣零售商之间爆发了一场投标大战。达乐公司与家庭美元公司合并后将获得280亿美元的利润。Mad about Modi对莫迪的迷恋Indias benchmark stockmarket index, the Sensex, reached another record high, as investors cheered a speech by Narendra Modi, the reform-minded prime minister, outlining the things he would like to do to boost exports and manufacturing. But the bullish sentiment sparked by Mr Modis election could soon fizzle if his government does not deliver on its promises to liberalise the economy.在改革派首相纳伦德拉·莫迪发表演说鼓励投资者进行投资后,印度股市的基准敏感指数又创历史新高,莫迪在演说中表示他将大力促进商品出口和制造业的发展。但他如果未能实现其承诺的自由经济将使莫迪总统大选时带来的牛市化为泡沫。Hewlett-Packard reported that its total revenue had grown in the latest quarter for the first time in 11 quarters, to 27.6 billion. The increase was 1%. It achieved this by a 12% rise in computer sales, a market that has wilted as people switch to wireless devices but which may have been boosted by the phasing out of support for Windows XP, prompting companies to invest in new computers.惠普的最新报告显示:上季度惠普的营业利润实现了近11个季度以来的首次增长,达到276亿美元,增长了1个百分点,而该营业额的增长是由电脑销售数量增长12%带动的。在计算机销售市场上,伴随着无线设备的兴起XP系统逐渐被人们淘汰,这将促使计算机公司开发新的机型。Chinas powerful National Development and Reform Commission levied fines on 12 Japanese manufacturers of car parts or ball bearings. They are the first penalties to be reported in an investigation into price-fixing for spare parts and services among foreign car companies in China.中国能源促进和改革委员会对日本12家汽车零件或滚珠轴承制造商进行罚款。他们是中国对零部件及务定价调查中第一批被公布受罚的外国公司。Hertzs share price fell sharply, after the car-rental company forecast that annual profit would come in “well below” expectations. It said business had suffered in part when it was left with a shortage of cars because of a large number of safety recalls from carmakers. General Motors supplies Hertz with 28% of its fleet in the US. Carl Icahn, an activist investor, has started circling; he disclosed an 8.5% stake in Hertz.在赫兹汽车租赁公司预测其年收益将远低于预期后,其股价急剧下降。该公司表示此次问题一定程度上是由于大量安全设备被汽车制造商召回从而导致赫兹公司车辆短缺。赫兹公司在美国28%的车辆由通用汽车公司提供。投资者卡尔·伊坎开始回收资金,他将出售赫兹公司8.5%的股份。Mining for profit矿业经营BHP Billiton confirmed that it will spin off its less-profitable assets into a separately traded company in order to focus on its core ventures in iron ore, copper, coal, petroleum and potash. The move unravels much of the merger in 2001 between BHP and Billiton. The company has been under pressure from investors, and left many disappointed by not also announcing a share buy-back scheme.必和必拓公司宣布为了集中精力经营其核心的铁矿石产业,将分离其获利较低的资产,成立一个单独的贸易公司。此举将解决自2001年必和必拓公司和比利顿公司合并以来出现的许多问题。该公司在投资者的施压下也没有公布股份回收计划,这令投资者们非常失望。Glencore, on the other hand, said it would return 1 billion to shareholders through buy-backs, as it reaps the benefits from selling a Peruvian copper mine for 6.5 billion and a vigorous commodities-trading business. Mining companies are having to cope with slow growth, but Ivan Glasenberg, Glencores boss, contends that “the supercycle aint over.”另一方面,嘉能可国际公司宣布将通过股份回购计划向其股票持有者发放10亿美元的收益,因其在销售秘鲁铜矿时获得65亿美元的盈利并且商品贸易势头强劲。在其他矿产公司不得不应对盈利缓慢增长的问题时,嘉能可国际公司的总裁伊凡·格拉森格认为“此超周期现象不是结束”。Steve Ballmer stepped down from Microsofts board, having handed over the reins as chief executive to Satya Nadella last February. Mr Ballmer recently bought the Los Angeles Clippers basketball team for an estimated 2 billion.微软董事史蒂夫·鲍尔默期满卸任,并于去年2月将董事长职位传予萨蒂亚·纳德拉。最近,鲍尔默预计以20亿美元的价格收购洛杉矶快船队。Acknowledging the regulatory challenges it faces, Uber hired David Plouffe, Barack Obamas former campaign manager, to direct its strategy. The car-sharing business now operates in 170 cities around the world but faces stiff resistance from entrenched interests, much like Mr Plouffes old boss.尤伯公司承认自身存在监管问题,并聘请了曾担任奥巴马竞选经理的大卫·普罗非,指导其未来战略规划。此次汽车共享的商业活动分布在世界各地的170个城市,但却受到既得利益者的顽强抵制,其中也包括普罗非的那个前老板。 201409/325397

Drug firms and cancer Lucrative lifesavers医药公司和癌症 利润丰厚的救星The hopes and perils of betting on cancer treatments癌症治疗的希望和风险NEW weapons are emerging in the war on cancer.在对癌症的战争中不断有新武器出现。That is good news not just for patients but also for drug companies.这不仅对病人是好消息,对制药公司也是好消息。The biggest ones, faced with falling sales as their existing medicines go off-patent, are investing in smaller firms with promising cancer treatments under development, hoping to secure the next blockbuster.最先有药物面临着销售下滑,失去专利保护,最重要的是投资于正在开发有前途的癌症治疗方法的小公司来确保拥有下一个重磅炸弹。On August 25th Amgen, the worlds biggest biotechnology company by sales, said it would pay .4 billion for another American firm, Onyx.8月25日世界上最大的生物技术公司安进表示,它将付104亿美元收购Onyx公司。The target firms crown jewel is Kyprolis, a treatment for multiple myeloma, a type of blood cancer.该公司拥有的药物Kyprolis能治疗多发性骨髓瘤,一种类型的血癌。The next day AstraZeneca, a British drugs firm, said it would snap up Amplimmune, an American firm working on ways to trigger the immune system to fight cancer.第二天,英国制药公司阿斯利康称将抢购Amplimmune公司,美国一家试图通过激活免疫系统来治疗癌症的公司。Oncology is attractive for several reasons.肿瘤学有吸引力是因为以下几个原因。First, the understanding of cancer is evolving rapidly.首先,对癌症的了解在不断加快。In the 20th century treatment relied on surgery, radiation and chemotherapy.在20世纪对癌症的治疗依赖于手术,放疗和化疗。These now seem rudimentary.现在这些都成了最基本的手段。Immunotherapy—getting the immune system to attack cancer—has gone from theory into practice.用免疫系统攻击癌细胞已经从理论进入实践。Genomics has helped scientists target specific mutations that promote cancer.基因组学帮助科学家通过特定的基因突变锁定促使癌症发生的基因。Another area of excitement for cancer researchers is epigenetics, which alters how a gene acts without meddling with the sequence of DNA.表观遗传学是癌症研究的另一个令人兴奋的领域,在不改变基因序列的前提下改变基因的表达。Second, regulators have speeded up their approval of cancer drugs.其次,监管机构已经在加快对抗癌药物的市场准入。Of the 39 medicines approved by Americas Food and Drug Administration in 2012, 11 were for cancer.在2012年由美国食品和药物批准的39种药品中,有11种用于治疗癌症。These included Kyprolis, which was granted accelerated approval, based on a smaller clinical trial than usual, for use as a last-ditch treatment for patients with multiple myeloma.其中包括Kyprolis,在只进行了小规模的临床试验的基础上加速审批通过,用于多发性骨髓瘤患者治疗的最后一道防线。Third, and most controversial, cancer drugs can fetch exorbitant prices, particularly in America.第三,也是最有争议的,治疗癌症的药物可以卖高昂的价格,特别是在美国。The idea is that theres nothing else available, so you can ask for a high price, explains Howard Liang of Leerink Swann, an investment bank.美国医疗保健投资的霍华德梁解释说:我们的想法是,因为没有别的可用,所以我们可以卖很高的价格。A typical course of treatment with Kyprolis lasting, say, five months, can cost around ,000.使用Kyprolis治疗一个疗程,也就是5个月,花费大约5万美元。Little surprise, then, that big drugmakers are keen to develop their own cancer drugs, form partnerships with smaller firms that have promising treatments in the pipeline, and buy such companies outright.有个小惊喜就是大制药公司都热衷于开发自己的抗癌药物,与在治疗过程中能提高治疗效果的小公司形成合作关系,也直接收购这种小公司。Kyprolis was first developed by a small firm called Proteolix, which was bought by Onyx, now acquired by Amgen.首先Kyprolis是由一个叫 Proteolix的小公司开发的,被Onyx收购,现在又被Amgen收购。In Bristol-Myers Squibb, an American drug giant, paid .4 billion for Medarex, which had an experimental immunotherapy drug.美国制药业巨头施贵宝,年斥资24亿美元收购了拥有免疫治疗药物的Medarex公司。That drug, for melanoma, is now sold in America for 0,000 for a full course of treatment.该药物对黑色素瘤,现在在美国一个完整的疗程需要12万美元。There are risks, however.风险还是有的。Even a drug seemingly destined for fame and fortune can fall flat.即使药物名利似乎注定落空。The FDA has approved Kyprolis only for patients who have aly tried at least two other treatments.批准Kyprolis,只适用于那些已经尝试过至少两个其他治疗方法的患者。Its annual sales could reach billion, reckons Goldman Sachs.高盛估计其年销售额能达到30亿美元。But that requires approval beyond America, and data showing that Kyprolis is worth giving to earlier-stage patients.但是这还需要美国以外的批准,并且要有数据能够明Kyprolis也可以应用于早期患者。AstraZeneca is buying Amplimmune largely for two cancer drugs still in early testing.阿斯利康购买Amplimmune主要是两种抗癌药物目前仍处于早期测试。If you are not willing to take risks, you cannot be in this area, says Bahija Jallal, an executive at AstraZeneca.如果你不愿意承担风险,你就不会出现在这个领域,阿斯利康的一个管理人员Bahija Jallal说。The biggest question in the long term is whether health insurers and governments will keep paying up.长期来看最大的问题是医疗保险公司和政府是否会继续持。Onyx and Bayer, a German firm, share the profits of Nexavar, a kidney-cancer drug.德国拜耳公司和Onyx共享肾癌药物多吉美的利润。Last year Indian regulators granted a local firm a compulsory licence to sell Nexavar copies for a fraction of Bayers price.去年印度的监管机构强制许可授予当地一家小公司销售多吉美的仿制药,价格只是拜耳的一小部分。The response elsewhere is less extreme.其他地方的响应却不那么极端。But companies face new scrutiny over their prices, particularly in Europe.但是,公司在欧洲面临新的价格审查。In April more than 100 experts in chronic myeloid leukaemia signed a paper to protest against the high cost of drugs.4月100多名在慢性髓性白血病方面的专家签署了一份抗议药物成本过高的声明。For now, however, Amgen should be able to continue charging handsomely for Kyprolis.但就目前而言,安进能够从Kyprolis获得丰厚的利润。 /201309/255527Science and technology科学技术Pilotless aircraft无人机Giving drones a thumbs up向无人机打手势How to integrate the control of piloted and pilotless aircraft如何让指挥有人机的方法适用于无人机DECK officers on American aircraft carriers use hand gestures to guide planes around their vessels.在美国的航空母舰上,甲板指挥员会用手势指挥母舰附近的飞机。These signals are fast, efficient and perfect for a noisy environment.这种信号快速、高效,而且十分适用于嘈杂的环境。Unfortunately, they work only with people.但遗憾的是,只有人才能读懂这些手势。They are utterly lost on robotic drones—and even if a drone is under the control of a remote pilot deep in the bowels of the ship,在无人机上,这一套完全失效;而即便有飞行员在船舱深处远程操控这架飞机,that pilot often has difficulty ing them.他往往也很难识别那些手势。Since drones are becoming more and more important in modern warfare, this is a nuisance.这是个麻烦,因为无人机在现代战争里变得越来越重要了。Life would be easier for all if drones were smart enough to respond directly to a deck officers gesticulations.若无人机的智能达到了足以直接响应甲板指挥员手势的程度,那一切都会好很多。Making them that smart is the goal of Yale Song, a computer scientist at the Massachusetts Institute of Technology.让无人机具备这样的智能是麻省理工学院计算机科学家Yale Song的目标。He is not there yet but,这个目标虽尚未达成,as he reports in ACM Transactions on Interactive Intelligent Systems,不过正如他在《美国计算机学会交互式智能系统学报》所报告的,he and his colleagues David Demirdjian and Randall Davis have developed a promising prototype.他和他的同事David Demirdjian和Randall Davis已开发了一个很有前景的原型系统。To try teaching drones the language of hand signals Mr Song and his colleagues made a series of s in which various deck officers performed to camera a set of 24 commonly used gestures.为了让无人机读懂手语,Yale Song和他的同事制作了一系列视频,视频记录了多位甲板指挥员对着摄象机摆出的24个常用手势。They then fed these s into an algorithm of their own devising that was designed to analyse the position and movement of a human body, and told the algorithm what each gesture represented.然后他们用一个自己设计的算法来处理这些视频,并让算法知道每个手势的意义。The idea was that the algorithm would learn the association and, having seen the same gesture performed by different people,他们的设想是,该算法会记住每个手势所对应的意义,而在对不同人摆出的相同手势进行处理后能够概括出手势本身的意义,would be able to generalise what was going on and thus recognise gestures performed by strangers.从而识别任何人摆出的手势。Unfortunately, it did not quite work out like that.很遗憾,实际与预想的不太一样。In much the same way that spoken language is actually a continuous stream of sound,其实指挥飞行员所用的手语和人说的话差不多。so the language of gestures to pilots is also continuous, with one flowing seamlessly into the next.后者实际上是一串连续的声音,而手语同样也是连续的,因为两个动作之间是连贯的。And the algorithm could not cope with that.但该算法无法处理这种连续的信息。To overcome this difficulty Mr Song imposed gaps by chopping the s up into three-second blocks.为了解决这个问题,Yale Song以3秒为一段将视频截开,在各段之间插入时间间隔。That allowed the computer time for reflection.这样就给计算机留出了响应时间。Its accuracy was also increased by interpreting each block in light of those immediately before and after it,同时识别的准确率也有所提高。因为这样计算机就能根据前一段及后一段的视频来理解当前这一段,to see if the result was a coherent message of the sort a deck officer might actually wish to impart.看看结果是不是那种甲板指挥员可能真的想摆出的有特定意义的手势。The result is a system that gets it right three-quarters of the time.他们最终做出了一个正确率为75%的系统。Obviously that is not enough:显然,那样是不够的:you would not entrust the fate of a multi-million-dollar drone to such a system.你不会将一架价值数百万美元的无人机交给这样的系统。But it is a good start.但这是个好的开始。If Mr Song can push the accuracy up to that displayed by a human pilot, then the task of controlling activity on deck should become a lot easier.若Yale Song能将无人机识别手势的正确率提高至与真人飞行员相当,那么在甲板指挥无人机会容易得多。 /201307/247186

Business商业报道Starbucks星巴克Just add water加水即成The ailing giant turns to instant coffee for a pick-me-up亏损巨头靠速溶咖啡来提神NO ONE can accuse Howard Schultz of inaction since he returned as chief executive of Starbucks,没有人可以指责重回星巴克的首席执行官霍华德·舒尔茨的无所作为,the firm he built into a multinational only to watch it stumble under his successor.他只是没想到看着他一手建起的跨国公司绊倒在他的继任者脚下。Barely a month has gone by over the past year without the firm announcing some new initiative or other.在过去的一年公司没有公布任何新的咖啡饮料,仅仅不到一个月,The latest came on February 17th in New York, when Mr Schultz unveiled Via, an instant coffee which, he claims,2月17日在纽约,舒尔茨先生推出Via,一种速溶咖啡,他声称,tastes just as good as Java brewed in the shop by one of the firms baristas.其味道和星巴克咖啡大师在店里调配的Java一样香醇。Mr Schultz hopes to win a share of the billion or so the world spends on instant coffee—a product which, he sniffs, has not improved in decades.舒尔茨先生希望赢得全球花在速溶咖啡约170亿美元上的一点份额—速溶咖啡,他嗤之以鼻地说,在过去的几十年里一点儿没改进。Starbucks itself has spent 20 years pursuing the holy grail of an instant coffee that tastes as good as the fresh stuff.星巴克用了20年所追求的圣杯速溶咖啡的味道和新磨的一样好。Don Valencia, the firms first head of research and development, who created the blended and frozen frappuccino drinks that earn Starbucks billion a year,唐?瓦伦西亚,星巴克公司研发部的首席研究员,他研发的法布奇诺咖啡为星巴克每年赢得2亿美元,could never find a way to scale up an instant formula he had developed at home.他在家里研究时一直不能找到一种好的方法即规模化生产的速溶配方。When Mr Schultz returned as chief executive, he noticed that there had been some technological advances, allowing finer grinding, for example.当舒尔茨先生重新回到星巴克任行政长官,他注意到,有了一些技术的进步,例如能够使咖啡豆更精细研磨。So he asked the Ramp;D team to repeat the recently deceased Valencias experiments, and found that we had broken the code.因此,他要求研发团队重做最近已故的Valencia实验,结果发现, 我们已经破译了密码 。The name Via is a hat-tip to Valencia—though during development it was known as Jaws.把这款速溶咖啡命名Via是向Valencia致敬,但在开发过程中它被称为大白鲨。Starbucks says it has patents that should prevent competitors from quickly replicating Via, which will go on sale in some American stores next month.星巴克表示,它拥有专利,可以防止竞争者迅速仿制Via,下个月美国的一些星巴克将开始出售Via。The opportunity may, however, be biggest in other countries: in Britain over 80% of coffee sold is instant, compared with just 10% in America.不过,在其他国家机会可以更大:英国80%以上的咖啡是速溶的,相比之下,美国速溶咖啡只有10%。Assuming Starbucks drinkers decide that Via tastes good, the company will have to get the price right.假设星巴克客人认为Via好喝,公司将不得不把价格定合适。At first, it will come in packets of 12 or 3 individual servings, for 83 and 98 cents a cup respectively.首先,它会分为3袋装或12袋装,分别为83美分和98美分一杯。That is much more than other instants, but much less than a cup of coffee at one of Starbucks stores.这比其他速溶咖啡贵很多 ,但远远低于任何一个星巴克的门店的一杯咖啡。The risk is that the firms existing customers may abandon counter service and start making their own cup of instant.市场的风险在于,公司现有的顾客可能会放弃柜台务,而开始泡速溶咖啡。That would encourage them to visit Starbucks less often, a trend that is aly gathering pace with the recession.这将促使他们去星巴克消费的次数下降,这一趋势已经在加快衰退的步伐。The nickname Fourbucks has not helped at a time when consumers have become cost-conscious.当消费者已经开始省钱时,绰号Fourbucks的人是不会来星巴克消费的。For the first time in Starbucks history, same-store sales have fallen.这是在星巴克的历史上,第一次同一店面销售额开始下降。Mr Schultz has had to accelerate the store-closure programme that he had started in order to correct the over-expansion which prompted his return to the helm.舒尔茨先生不得不加快店铺关闭方案,他已经开始关闭店面以便纠正过度扩张,从而使他重回咖啡王国。To keep customers coming to remaining outlets, he might experiment with discounts such as cheap combination meals of a drink and food.为了让顾客常来剩下的店铺,他可能会尝试打折,如廉价的套餐的饮料和食品。He also wants a visit to a Starbucks shop to be a uniquely uplifting experience.他还希望顾客访问星巴克是一个独特的振奋的体验 。Improving the smell in stores by changing the cheese used in breakfast sandwiches was a start.替换三明治早餐里的奶酪来改善店里的进餐气氛就是一个开始。But ensuring that staff are enthusiastic will be especially difficult when jobs are disappearing.但要确保员工的工作热情将是特别困难的,当工作岗位正在减少时。Mr Schultz remains hostile to unions, but has decided to maintain the firms popular health benefits, while cutting his own pay.舒尔茨先生仍然敌视工会,但决定保持该公司广受欢迎的医疗保险,同时降低自己的工资。Will all this be enough?这样做就够了吗?So far, investors seem sceptical:迄今为止,投资者似乎持怀疑态度:Starbucks share price remains barely a quarter of its all-time high in 2006.星巴克的股票价格仍然是2006年历史最高水平的四分之一。 /201304/237089

Business in the UAE阿联酋商业Improving the desert climate提升沙漠气候A draft companies law in the emirates is a bit disappointing阿联酋的公司法草案不孚众望FOREIGN investment is flooding back, the malls are filling with shoppers and deals are being struck: business in the ed Arab Emirates is booming once again. The IMF this month upgraded its forecast for the emirates economic growth in 2014 from 3.9% to 4.4%.外国投资如潮水席卷而来,商场里顾客肩接踵交易量激增:阿联酋的商业再次繁荣,国际货币基金组织对阿联酋2014年经济增长的预算从3.9%上调到4.4%。As memories of the crisis recede, companies are remembering the reasons that make the emirates attractive. The high income of the population, 84% of whom are expatriates, is one. Geography is another. The country is conveniently located between Europe and Asia, with two world-class airlines, Emirates and Etihad.随着金融危机的记忆消退,很多公司正慢慢记住让阿联酋有如此吸引力的原因:一方面源于人口的高收入,其中84%是外籍人士。另一方面是阿联酋地处亚欧之间的地理位置,拥有两个世界级的航空公司—阿联酋航空和阿提哈德航空。The UAE has done a lot to make life easy for firms, keeping paperwork to a minimum and moving much of it online. It comes 23rd out of 189 economies in the World Banks latest ranking for the ease of doing business, the highest in a region that has seen a tumultuous few years. It takes only eight days to set up a business, three fewer than the average for the OECD, a club of mostly rich states. “Two years ago Id have said the UAE does well relative to the region,” says Habib al-Mulla of the Dubai office of Baker amp; McKenzie, a law firm. “Today Id say it globally, too.”阿联酋在为让企业生活方便上做了很多的事情,比如文书工作在线以保持最小化移动。 阿联酋在世界最新的189个经济体的商业排行榜上名列第23位,成为混乱的几年里在该地区中最高的。只需八天的时间,阿联酋就能够成立一个企业,用时平均比作为大多数富裕国家的俱乐部的经合的成员国少三倍。“两年前我会说阿联酋是一个相对的区域。”迪拜的一个法律公Baker amp; McKenzie的办公室人员Habib al-Mulla说,“而今天,我要说它一样是全球化的”On April 13th the countrys president, Sheikh Khalifa bin Zayed al-Nahyan, signed into law a measure to promote smaller firms by giving them greater access to official contracts and loans. Yet businesspeople are disappointed by a draft of a broader companies law, which is expected to be sanctioned soon. The bill fails to solve the two big problems hampering business in the emirates. First is the lack of a proper insolvency regime that makes clear the duties of a firms directors and the rights of its creditors if it hits financial trouble. Despite its high overall rating, the UAE comes 101st on this score in the World Banks ratings. Such minor matters as being late paying a phone bill may be treated as criminal offences rather than civil matters; businessmen tell tales of colleagues going to the airport only to be told they are banned from travelling.四月十三日,国家总统哈利法·本·扎耶德·阿勒纳哈扬,签署相关法律文件,一个重要举措即通过给予更多的官方合同贷款来促进小型企业的发展。然而,商人们对一个预计将很快批准的公司法草案普遍感到失望。货币未能解决的两大问题阻碍了阿联酋的业务发展。首先是一个一旦公司陷入财务困境,能够明确公司董事义务和债权人权利的合适的破产制度。尽管它的总评价较高,但这件事上阿联酋在世界的排行第101。诸如此类的小事,比如延期付电话账单可能被视为刑事犯罪而非民事;比如商人告诉同事去机场,却被告知他们被禁止旅行的故事。The second issue the proposed legislation leaves untouched is foreign ownership. International businesses that set up local limited-liability companies, as most do, can own only 49% of them, and thus must find trustworthy local partners. Dubai has created several “free” zones, where full foreign ownership is allowed, but the other emirates have been slow to follow. Analysts reckon that full liberalisation of ownership would attract more businesses.第二个是立法留下不变的外国所有权的问题。国际企业建立在阿联酋设立有限责任公司,无论做多少,都只能拥有公司百分之四十九的份额,因此,企业必须在当地寻找可靠的合作伙伴。迪拜创造了几个允许全外资所有权的“免费”地带,但其他酋长国照做的速度却很缓慢。分析师们认为,企业所有权的全面开放将会吸引更多的企业。Investor protection is another worry. The UAE has made progress: its courts tend to recognise the decisions of foreign arbitral tribunals. But enforcing contracts can be tricky, and the new law does not help much. Its biggest potential benefit is its lowering of the percentage that companies must float in an IPO from 55% to 30%. This should encourage more family-owned firms, hitherto worried about losing control, to raise capital to expand.投资者保护是另一个迫在眉睫的问题。阿联酋已取得的进步:其法院倾向于承认外国仲裁法庭的决定。然而,合同的执行却是棘手的,并且新法律对此并没有多大的帮助。其最大的潜在的好处是它降低了公司IPO指数必须浮动在55%到30%之间百分比的。这将给更多一直担心因为提高资本扩大规模而使的公司失控的的家族企业以信心。Further legislation on insolvency and foreign ownership is promised. But when things go well in the Gulf, as they now are, the authorities tend to lose interest in reform. Still, businessmen agree that the UAEs advantages far outweigh its handicaps. Fadi Malas, the boss of Just Falafel, a local fast-food operator, says it is ideal not just as a place to do business but as a springboard for expanding across the region and beyond:plans are in hand for the chain, currently 55 outlets, to grow to more than 900 worldwide. Like the Lebanese-British Mr Malas, entrepreneurs choose the UAE over neighbouring countries not least because it has both electricity and stability—two things other places sorely lack.当局在关于破产和外国所有权进一步的立法问题上给出了承诺。但当事情顺利发展的时候,当局却失去了改革的兴趣。总是如此,在商人们的心中,阿联酋的优点远远大于它给的障碍。一位当地的快餐店经营者,ust Falafel的老板Fadi Malas说,阿联酋不仅是一个做生意的好地方,还是一个可以扩展到整个地区甚至地区以外的跳板:他计划的产业链条是,目前55家店成长到超过全球900家的数量。像黎巴嫩籍英国人Malas先生一样,企业家们选择在众多邻国中选择阿联酋,至少是看中了其他国家和地区所缺乏的电力资源和稳定的环境。 /201404/291437

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