国务院总理李克强在十二届全国人大二次会议上作政府工作报告，报告就今年的经济增长目标、改革的步骤、国企改革、财政体制改革及宏观调控的思路和重点进行了阐述，确定了今年政府工作的方向和重点。评论：从李克强记者招待会对宏观经济、改革的表态来看。我们认为李克强对经济与改革的表态对市场构成短空长多的影响。这种短期的负面的影响主要受到两个方面的拖累，一方面是管理层对通胀膨胀的关注将抑制流动性的边际改善；另一方面是短期内对政府性楼堂馆所、公费接待出国和购车的抑制将拖累相关的投资
需求和消费需求。

关键词：经济增长目标；改革步骤；国企改革；财政体制改革；宏观调控

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3月6日，李克强总理在人大开幕会议上做政府工作报告。2014 年政策基调为“保持经济运行处在合理区间。完善宏观调控政策框架，守住稳增长、保就业的下限和防通胀的上限，继续实施积极的财政政策和稳健的货币政策”。总体来看，今年的政府工作报告淡化了有关宏观调控的论述，突出了有关转型改革的议题。对此我们的具体解读如下。

关键词：金融；财政；货币政策

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全国政府性债务审计结果终于在年底前公布。结果显示虽然我国政府债务规模以及风险仍在可控范围之内，未来系统性风险爆发的可能性较小，但近年来局部累计的债务风险突出，已对部分地区经济及金融运行构成威胁。明年地方债务治理将进入实质性清理阶段，一系列标本兼治的措施将会陆续出台。

关键词：债务；风险；投资

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银行减速—截至9月末，银行业金融机构资产总额达到143.9万亿元，同比增长13.9%。保险复苏—前三季度，保险业实现原保险保费收入13432.6亿元，同比增长11.2%，增幅同比增加3.9个百分点。互联网金融—支付宝的余额宝初试成功之后，银行迅速做出反应，争相推出开放式余额理财，而且量价齐升显然压了余额宝一头。民营银行—银监会主席尚福林曾明确表示，允许尝试由民间资本发起设立自担风险的民营银行。

关键词：银行减速；保险复苏；互联网金融；民营银行

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The market environment for life insurance companies has undergone tremendous change in recent years. In addition to the traditional approach of in-house sales representatives, sales channels for life insurance policies are diversifying to include online sales and other direct marketing channels aimed at younger generations. Purchasing online insurance has several advantages as it is convenient, fast, and affordable. One of the biggest advantages of purchasing online insurance is that it offers the customer the opportunity to make an informed choice. Various aggregator sites enable customers to compare features and prices of a particular type of policy across various companies. This helps customers learn about the pros and cons of various policies and also helps them decide which policy suits them the best.

关键词：保险公司；销售；传统方法；在线销售

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报告从战略性分析、环境分析、竞争对手情报、市场信息、财务信息、营销信息、产品信息、公司信息、数据库等方面对银行行业进行了分析评论。

关键词：战略性分析；环境信息；竞争对手情报；市场信息；分析评论

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报告从战略性分析、环境分析、竞争对手情报、市场信息、财务信息、营销信息、产品信息、公司信息、数据库等方面对保险行业进行了分析评论。

关键词：战略性分析；环境信息；竞争对手情报；市场信息；财务信息；营销信息.；产品信息；公司信息

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关键词：汽车；战略性分析；竞争环境；竞争对手；行业数据

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关键词：中医药；发展前景；基金

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The goal of the study is a practical framework to help local governments within the Appalachian Region assess, plan, and finance energy efficiency infrastructure and facility improvements. Chapter 1 identifies institutions and the tools they offer for implementing energy and water efficiency. To select the ones most valuable for local governments, tools had to meet four criteria: longevity (established track record and adequate future funding); credible content evolving in response to user needs; customer assistance and partnership potential; and low- or no-cost status. Each of these criteria is explained more fully at the beginning of the chapter. Chapter 2 provides examples of eight energy conservation measures (ECMs)--with documented costs and financial returns--being implemented in or near the Appalachian Region. Cost savings for each ECM are also extrapolated to reflect potential savings across the Appalachian Region if local governments adopted, to some degree.

关键词：高效节能；水资源；效率；用户需求

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