利率市场化的风险：利差损、需求弹性不足、退保。若只放开传统险的定价利率，则可以量补价、风险可控。若分红险同步放开，则负面影响较大，风险可控性差。市场化对产品利润率的长期影响：即使全部产品的利率都放开，若配合税延养老等政策，产品结构改善，维持当前的利润率并不难。行业增持，公司推荐：中国太保和新华保险。

关键词：利差损；需求弹性不足；退保；量补价；可控性差

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根据中财网（http://www.cfi.net.cn/）报道，财政部、国税总局发布新版"营改增"试点税收政策，进一步明确了今年8月1日起“营改增”试点扩至全国除铁路外的交通运输行业。尽管并未涉及铁路行业营改增，但《交通运输业和部分现代服务业营业税改征增值税试点实施办法》中第22条“下列进项税额准予从销项税额中抵扣”第四项“接受铁路运输服务”中，明确提到“接受铁路运输服务，按照铁路运输费用结算单据上注明的运输费用金额和7%的扣除率计算的进项税额”。我们认为，考虑到未来铁路进行营改增时和现有政策的衔接问题，铁路潜在的适用增值税率大概率就是7%。

关键词：营改增；税收政策；铁路运输服务

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关键词：古瓷；价值走势；收藏

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关键词：铁路装备；市场；紧固件

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A microgrid is a smaller version of the traditional centralized electrical grid. It is a power grid that is localized and operated independently of the larger grid. Microgrids generate, distribute, and control the flow of energy to consumers; however, all these activities are implemented locally. Microgrids are effective during power failures in the central grid system as they can operate independently by isolating their generation loads. Moreover, in the case of excess power, developers and owners of microgrids can sell the excess power to utility providers. These features increase the demand for microgrids and drive the growth of the market. The Microgrid market in China is expected to witness rapid growth during the period 2011–2015. One of the reasons for this rapid growth is the increasing demand for power. In 2011, the market was led by Nextek Power Systems Inc. The Microgrid market in China is expected to grow at a CAGR of 87.5 percent during the forecast period.

关键词：集中式电网；中央电网系统；分布式能源；安全问题

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21世纪是经济全球化的时代，产业安全是世界各国面临的共同问题。医药产业是我国经济重要组成部分，是当前形势下我国重点发展的支柱产业之一。在外资大量进入的背景下，很有必要对医药产业安全做一个评估。而医药产业作为新兴产业和传统工业相比有许多不同之处，应根据医药产业的特点界定产业安全指标。运用产业经济学和发展经济学等理论，从产业环境，国际竞争力，对外依存度，产业控制力等几个方面对我国医药产业安全进行了大体的评估，并在此基础上提出维护对策。

关键词：医药产业现状；医药产业安全；维护对策

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关键词：太钢集团；项目

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行业预测:相对乐观—中国旅游研究院认为，良好的经济社会基本面为旅游业持续健康发展奠定了坚实的基础，加上“收入倍增”、“新四化”和“美丽中国” 建设等政策刺激，2013年我国旅游经济运行相对乐观。预计全年旅游总收入2.96万亿元，同比增长14.2 %。

关键词：旅游行业；热点；预测；分析

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In 2011, the Global Semiconductor market generated 67 percent of its revenue from the Asia Pacific (APAC) region, of which around 35–40 percent was generated from China. In 2011, the Semiconductor market in China received the majority of its revenue from the Computing segment with around 48 percent of the market share. The rapidly emerging Communications segment contributed around 28 percent of the revenue in 2011. Moreover, the Communications segment is expected to take the leading position in the Semiconductor market in China during the forecast period. The Semiconductor market in China is expected to grow at a CAGR of 24.5 percent during the period 2011–2015.

关键词：本征半导体；外在半导体；亚太地区（APAC）；成本优势；知识产权（IP）

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近几年以创新药为主的跨国制药企业逐步加大在仿制药领域的投入。通过对跨国制药企业的涉足仿制药的动因及发展策略进行分析，提出思考，以期能给国内仿制药企业参与国际竞争提供参考。

关键词：仿制药；跨国制药企业；经营策略

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