Question 2: How about the consumption of Beihai, Nanning and Detian in Guangxi? For example, eating midnight snack, seafood and so on. Compared with Suzhou, which type does it belong to? I haven't been to Suzhou, and I don't know what the consumption level in Nanning is compared with that there. I am in Nanning, and all my friends ask to stay in a five-star hotel. Please help yourself to seafood at midnight snack here. The situation of Weizhou Island in the North Sea is known. When you have finished answering, 10 will bring it here. Hehe, welcome to Guangxi.
The scenery in the world is very beautiful in Guangxi.
Landscape pilgrimage: Yangshuo, Guilin, Longsheng terraces, Detian Waterfall, Shi Ming pastoral scenery;
Journey of geocentric exploration and discovery: Tiankeng Group in leye county, Baise, exploring caves and watching the sea-Sanmen Haitian Light Group in Fengshan, Bama, the hometown of longevity;
A trip to the border between China and Vietnam: Greentown Nanning, Chongzuo Friendship Pass, Huashan Rock Paintings that have passed through the Millennium.
Folk tourism in Bagui land: the customs of Liujiang River in Baili, the folk customs of Sanjiang River, the bridge and the East Drum Tower Group. Dream Home Huangyao Ancient Town, Hezhou. Xishan in Guiping.
Sunshine Coast Tour Beibu Gulf: Play around the sea and silver beach, the most beautiful island in China-Weizhou Island Fisherman's Music, and Qinzhou Sanniang Bay loves dolphins;
Question 3: Advantages and disadvantages of the top three domestic insurance companies: A comparative study of the development of financial services at home and abroad.
I. Development Status of Financial Services Industry in China
In recent years, with the deepening of financial reform and opening up, the market environment faced by China's financial industry has been greatly improved, especially since the 1997 Southeast Asian financial crisis, all levels have placed financial security and steady development in a very important position, adopted a number of management measures, strengthened their own construction and prevented financial risks, and made great progress. However, after China's entry into WTO, foreign-funded financial institutions will enter the China market, and the financial industry in China is still under great pressure, and its development status is not optimistic. Next, we will talk about the development status of banking (mainly commercial banks), insurance and securities industry in China.
(1) Banking
At present, China's commercial bank market is basically divided by the four major state-owned commercial banks, with a high degree of monopoly. Its business mainly focuses on traditional deposit, loan, remittance bank and foreign exchange business, with little or no investment banking business, such as financial leasing business, insurance business, trust business, property consultancy and consulting business and tourism advertising business. These business scope restrictions have affected the profitability and innovation ability of financial instruments of China's state-owned commercial banks, and the capital is seriously insufficient, and the loan ability is subject to endogenous constraints. Due to the poor efficiency of state-owned banks and the great pressure to digest their own non-performing assets, they are unable to supplement the fund with operating profits. Therefore, the accumulation of non-performing assets leads to the asset adequacy ratio of some state-owned banks not reaching the requirement of 8% stipulated in the Basel Accord. Due to weak profitability and inefficient use of assets, commercial banks have a large number of bad debts and bad debts. All these will put state-owned commercial banks at a disadvantage in the competition with foreign banks.
(2) Insurance industry
In the past twenty years, the insurance industry in China has developed at an average annual rate of 39.6%. It took 15 years to realize the first premium income of 50 billion, and only 3 years to realize the second premium income of 50 billion (see figure 1- 1 and 1-2). By the end of 2000, the premium income reached 654.38+059.59 billion yuan. At the same time, the main body of the insurance market is increasingly diversified. At present, there are 40 insurance companies in China, and an insurance market structure dominated by state-owned insurance companies and joint-stock insurance companies, with Chinese and foreign insurance companies coexisting and many insurance companies competing has been formed. However, there are still a series of problems in China insurance industry, such as the strength of insurance companies.
Poor, less channels for the use of funds (insurance income is still dominated by premium surplus), low efficiency and management technology, and the service level can not adapt to competition. Therefore, once Chinese insurance companies really compete with foreign insurance institutions, the insurance industry will face a huge impact.
Figure 1 1989-2000 China premium income trend chart
Figure 2 1989-2000 China premium income growth trend.
(3) Securities industry
China's securities industry started in 1980s. After the establishment of 1990 and 199 1 year, Shanghai and Shenzhen Stock Exchanges have made great progress through tortuous course. The first is the enhancement of financing ability. The financing amount of China stock market increased from 9.978 billion yuan in 1994 to1922.2 billion yuan in 2006, accounting for 1 1.45% of indirect financing (bank loans). Secondly, with the continuous growth of the size of the securities market, the stock trading volume is also increasing. The stock trading volume of 1993 reached 362.72 billion yuan, and the stock trading volume reached a peak of 6,082.66 billion yuan in 2000, an increase of 16.7 times. In 200 1 year, the number of listed companies in China has reached 1 154, with 66,396,800 investor accounts. The above data show that the China stock market has taken shape after 10 years of rapid development. However, because China's securities industry has developed under certain protection, it has not fully integrated with the international market, and there are still some problems in its further development:
First of all, domestic securities institutions have narrow business scope, single variety and similar structure. The business scope is limited to underwriting, brokerage and self-management of three traditional domestic businesses. Although there are also corporate financial consulting services, most of them are auxiliary means to win underwriting projects. The products and services provided are very similar, and the importance of financial innovation is still not fully understood.
Secondly, the financing channels are not smooth, and there are not many listed securities companies. There are three channels: interbank borrowing, treasury bond repurchase and capital increase and share expansion. Short-term financing is the main financing, and there is no long-term financing channel urgently needed for the development of securities firms.
Third, the efficiency of capital operation is poor. ......& gt& gt