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February 15 my life is a chaosfinally my semester begins and will continue...... this is a whole brand new journey for me..... at Monash no body knows who I am... What I have achieved.... What I have been through... the feeling is weird and cold... I don't know if I can manage to get it though... everything in my life is disordered.... my plan has been dislocated... I even question myself... hold on a second buddy... do you ever have a plan... when I went to Uni...I was interested in Economics... However the job outlook looked bad.....and pretty scared of math.. then walked away..... and then it looked like I meant to do finance.... but got 100 at financial accounting... I didn't even got any thing like that at my primary school... soon after I came to OZ.. decided to do accounting.. not because of the PR thing... to be honest I didn't even think about it.... just coz I got a passion in it.... I knew I can do it very good... still scared of math.... stuff like quantitative method.....econometrics..... still walked away..... even through I was able to manage to get H1 from my QM2 class.... but honestly I didn't know what I learnt from it..... at that time I thought Melbourne Uni definitely will be going down...... how could a student get a H1 without knowing what is being taught in this class.... anyway.. the story continues ........ I hit my head on the corner of the desk... I went to Monash to do my honours.... The thing that HK and UK student will auto get after 3 yrs study.. and i have actually spend 1 year and pay for it...... master? big nono for me!!! I don't want and know how to keep a low profile...may be just coz i am young...don't mean to hurt any one ok? doing a degree like everybody can ..is just not my thing...... anyway....Research Method at monash.....is very hard..... a lot of QM...Econometrics stuff..... have to do a lot preparation before hand.... may be I just need to have a little faith... February 07 。。。。。还让不让人活。。。。上课总共就那么4.5个人。。。。。。 一次课3个钟头。。。 每个人要做presentation20-30分钟。。。 每节课都要。。。 然后还要写个两三页的handout。。。。 每节课都要。。。 然后presentation后面还要follow questions 每节课都要。。。 然后5个人就可以搞掉差不多150分钟。。。 那老师要来干嘛？ 要写那么多，还要说。。。 还要不要让人活了。。。。。？？？ January 25 我的未来是有颜色的？在浑浑噩噩半年多之后。。。（确切的说是7个月） 我今天去了趟学校。。。 不是Mel U...而死Monash。。 开始要把Monash叫做我们学校还是有点不习惯。。。 跟那个老师约谈了半个钟头。。。。 Made从头到尾都在恐吓我。。。。 只有一句话中听。。就是。。。 我们ACC & Fin department录了差不多20个人。。加上其他dep的。。整个faculty录了Hon不到100 好好读。。make me proud..... 接下来。。。无非就是说一些什么。。。。 不要去读CPA啊。。。you won't have the time.. Hons is very difficult..... 大姐。。我还没有告诉你我上学期是两门的CPA。。下个学期还搞了个CFA。。 还说什么作业要好好写。。。writing should be at very high level... 不能像undergraduate那样乱写了。。。 姐姐。。我undergraduate的时候就是好好写。。每份作业都是一字一字的码出来的。。。 还有毕业了。。跟她一起做Phd。。。什么什么的。。 我当时就想问她。。 do i look like a geek?..... Phd..what the hell....... anyway..今年应该很忙了。。。 希望读出来有点用。。。 毕竟不能像过去在学校里面。读undergraduate那么混了。。
顺带说下times 这期有篇文章挺有意思。。叫Ny-lon-kong.....有空可以去看看。。 January 03 2007ed...2008ing..这么一转眼就2008。。。是啊。。2008 December 04 讲讲次贷吧今天吃饱了撑的讲讲次级信贷好了，讲的不好请大家批评指正。因为这个不是所谓学术论文，只是做点知识普及，所以将用问答的方式，使之更加简单明了。另，本文也将以中文的形式，不是说英文就写不出来，而是中文更拿手，也能让一些复杂的问题讲的跟通俗易懂，简单明了。在本文中如果有牵涉到中国政治的，多包含，我意不在评论中国政治。。。 什么是次级信贷？（sub-prime load）
如果跟银行打过交道借过钱的人都知道，在批复你的贷款之前银行要审查大家的信用历史（credit history），也就是看看大家的收入证明，个人资产负债状况。只有通过了这样一个审查，您才能成功的从银行中贷到合理/市场的利率（market rate）.在美国这样的贷款叫做A-paper.但是其实在这个信贷市场中，很多人出于各种原因无法通过这样的信用检查。也许因为他没有工作，也许他曾经有大笔的负债没有到期还清，所以他的个人信用历史比较差（poor credit history）,那么他将很大可能无法通过“正常”途径从银行贷到市场利率的款。但是这样的人同样也应该拥有享有房子，车子的权利，这就催生了次级信贷。简而言之，这样的人要付出比拥有良好信贷历史的人更高的利息才能借到钱。为什么，因为他们的拒付利息的风情比一般人高，所以高风险自然也就是高回报了。 次级信贷在市场中是如何运作的？
在本文的上述部分已经交代过了，那些申请次级信贷的人本身信用历史较差，据付风险（default risk）较高。那么金融机构又是怎么设法规避这样的风险呢？基本上他们有两个办法： 一 打包售出 让我们举一个最简单的例子，一个银行在第一天可能同时有100个这样的客户，每个人借了10，000，市场的利率是5％，但是次贷的利率就是10％（比同期市场利率肯定要高，要不然银行废那个劲对吧）。。这样在那100个人向银行借款的时候银行就有了1，000，000的应收状况（在这里我们先不考虑利息的因素），银行因为他们的信贷历史差所以评估很可能一大部分的钱收不回来了。那么银行就把这100个次级信贷打包（做成债卷的形式），在第二天拿到金融市场上出售。价格可能是1，100，000，这样银行就用一天的时间很快的赚到100，000，更好的事情是银行现在已经不用承当任何风险了。现在承受信用风险（credit risk）和据付风险（default risk）的就是买下这个次贷包的金融机构。这里大家可能会有一个校问题，谁会去买这么一个次贷包呢。这里面可能有其他的银行，可能有对冲基金（hedge funds），也可能有所谓的公积金（managed funds）,因为对他们来说这个包只是一个投资项目。 二 收回抵押物－将其拍卖 那大家可能又要问，那买下次贷包的机构不是很不划算，钱都被银行赚走了，风险却要承当？对，可是大家不要忽略一个问题，次贷和一级信贷同样都是抵押贷款。都是以你的资产（equity）作为抵押。当借贷人个人财务运转良好的时候，那些买下次贷包的机构可以照样收利息。注意哦！这里的利息是要比普通市场利息要高的。当借贷人陷入财政危机，而无法偿付借款的时候，因为他们的房屋是抵押的，那么金融机构就有权向他们收回房屋将之拍卖。比如说， 我向银行借钱买了房子，搞了2百万，换了10年的本利还剩下1百50万的本钱没有换，也就是我拒付了。那么银行把我的房子给收了回去，在公开市场上拍卖。卖了1百60万。。那么一百50万就归银行，10万自然就归了我。。这就是次级信贷能够在金融市场中运作的最基本原理。 为什么危机会爆发？影响又如此深远？ 请大家注意，我上面说的是银行可以把我的房子卖掉哦！而且是卖掉160万，高出了我所欠银行的本钱。那么当然吃亏的最后当然是我，金融机构本身自然没有损失。但是，当整个房地产市场不好，房子卖不出去的时候，那倒霉的就要加上金融机构了，因为他们就算收了我的房子也无法收回成本。就是06年开始，美国楼市开始掉头，房价开始跌，购房者难以将房屋出售或通过抵押获得融资。那即便放贷的机构钱收不回来，把抵押的房子收了，再卖出去（难说卖不卖得出去，因为房地产市场萎缩，有价也没市）也肯定弥补不了这个放贷出去的损失了。那么，由此发行的债券（次贷包），也是不值钱了，因为和它关联着的贷款收不回来。之前买了这些债券的机构，不就跟着亏了吗？很多投资银行，对冲基金都买了这些债券或者是由这些债券组成的投资组合，所以就亏了很多。 这里在来谈谈为什么他的影响会如此的深远吧。大家都知道这次陷入这个危机的银行很多。那么到底每个银行陷的有多深都是一个未知之数。但是一个数字可以很清楚的告诉我们银行的恐慌，也就是隔夜拆借利率的调高。隔夜拆借利率是利率的利率，它是银行向银行借钱应付的利率。简单的说，银行通过调高这个利率来告诉其他的银行，我也没有钱，你不要向我借了。如果连银行向银行都借不到钱，那么就导致了流动性风险（liquidity risk），也就是坊间所说的收紧银根，借不到钱咯。 而且因为隔夜拆借利率的上调，而它又是利率的利率。所以它的走高很可能会带动市场利率的上扬，而无论任何生意都要跟银行打交道的。那么所必须付的利息（interest）就是他们很重要的成本，那么利息的过度升高就可能导致大市的不景气而使商业周期（business cycle）进入收缩（recession）。以上种种也就是为什么此次的信贷危机会有如此深远的影响了。 大致解决的办法？ 絮絮叨叨的讲了那么久，总要开付药给个解决的办法不是。解决的办法有两个，但是在讲之前让我们再了解一个很简单的概念――国内生产总值，也就是大家所熟知的GDP（gross domestic product）.他的好坏是衡量现在市场景气程度的一个很重要的指标。 它是由大众消费，政府支出，透支和净出口来决定的。 GDP＝consumption + investment + government spending + net exports （如果连这个都不理解的同学，请回去补一下宏观经济学基础了。。。。。。。我推荐保罗 萨谬而森的书，记得是20章有说GDP） 书归正传，因为次级信贷危机的爆发，导致大市的不景气，银行收紧银根。那么消费者的信心之数（confidence）必然下降，那么我们看到GDP中的大众消费（consumption）必然减少，从而导致GDP的下降。 为了解决这个问题，政府可以首先通过财政政策（fiscal policy），缓解危机。也就是说政府可以增加自身支出（government spending）比如增加公共设施的建设，来拉动内需带动GDP的增长。同时，政府才可以调低税率，让百姓拥有更多的可支配收入（disposable income），这样对于增强消费信心有一定好处。 其次政府当然可以动员货币政策（monetary policy）.简单的说政府可以增加市场上的货币总量，调低利息（大家不要忘了，美国有个东东叫做美联储）。这样对于减轻市面上银根收紧的状况会有很大的改善。 讲了那么许多。希望大家明白了些。没明白了也不好意思了，毕竟我的专业不是经济也不是金融，很多东西我不能讲的那么专业，其中某些部分甚至有所偏颇，就多见谅了。。。。 November 28 Kevin Rudd, Fresh Leader, Better Future??澳洲政府在经济最好的时候换届了，我写了篇文章纪念一下。。看的懂的又愿意看的就看看，不看也没有关系。。就是别踩，关系政治不代表是愤青！！
There are certain things that Australian people care in particular. First of all, whether Australia is going to continue its extraordinary economy growth is among the top priority of the new government’s agenda. During recent years, we have seen an approximate 4% increase in GDP each year, as a result Australian people have been experiencing blossom in real estate market, remarkably low unemployment rate, and great business opportunity in Asia. All that factors push Australian per capita GDP to $32,900(American dollar) a record high. The question arises whether the successor of Liberal party can keep up the good work. In order to address this issue, two key questions need to be answered in the first place. Whether the Australian economy is heading towards the right direction is the chief issue. Despite the fact that our economy is going well, the truth is the main contribution of the growth has been coming from the mining industry. As known to all, when an economy is heavily depending on one or a few industries it would not be regarded as a healthy one. The reasons for Australia, in particular, are as the follows: There are two scenarios likely to happen. Firstly, the world still largely relies on our energy supply but on some future date our mineral deposit is exhausted. Then subsequently the main driver of our economy will be vanished. Further, even though we might still have our large mineral deposit, but countries like USA or China advance their technology to such extend that they find an alternative as energy supply. For example, China is able to manager generate electricity out of He3 which they get from the moon and this is what its outer space project is aiming for. Then our energy like uranium will be not longer sought after by the world. Our economy is going to lose again. Based on above analysis, Australian economy is not fundamentally heading to the right direction. Hopefully, Kevin Rudd has addressed this issue in his competition of running for the primer. The second issue which intertwines with the first one is Mr. Rudd’s capability to conduct Australian economy toward the right direction and better serve the national interest. According to Mr. Rudd’s profile, he spent nearly all his career before being elected as prime minister as a professional diplomatist. This gives raise a serious issue in relation to if the new primer and his party is able to run the economy as they planned since the last time labor ruled this country was 1985. Apart from the issue in transition of economy, Mr. Rudd’s ability and determination to forge a tighter link with Pacific Asia are also being widely discussed. Some people believe that the affinity for this area that the new Primer has shown will further elevate the friendship between the countries in this area and China in particular. On the contrary, some oppose that Mr. Rudd’s personal strength of speaking mandarin will not fundamentally change Australian foreign affair policy for the fear of losing its traditional ally the United States. It is, therefore, best to assume that in this regard it makes on difference whether John Howard or Kevin Rudd is in power, as their priority is to defend Australian national interest. Vincent Ma 28 11 2007 October 22 China's old party bosses step down
CHINESE Vice-President Zeng Qinghong retired from the Communist Party's upper ranks yesterday, bolstering party boss Hu Jintao's grip on power and clearing the way for a younger generation of leaders. Mr Zeng, 68, a powerful party boss long associated with Mr Hu's predecessor, Jiang Zemin, was left off the newly elected Central Committee of 204 full members. Delegates wound up their five-yearly congress by approving the writing of Mr Hu's trademark slogans into the party charter, overshadowing those of Mr Jiang. Mr Hu was also the top vote-getter in the tightly controlled ballot, winning all but two of the 2235 votes, a delegate said. Mr Zeng's departure from the committee along with two other leaders, security chief Luo Gan, 72, and anti-corruption boss Wu Guanzheng, 69, indicates that Mr Hu will soon be able to announce the promotion of potential successors. Vice-Premier Wu Yi, one of the few women in the political elite and an experienced trade tsar, was left off as well, indicating she will also likely leave government next March. The full members of the new committee will appoint a politburo of a few dozen members and a politburo standing committee, the innermost ring of power with possibly nine members. The party charter will now feature Mr Hu's promises to create a "harmonious society" cleansed of conflict and a "scientific outlook on development", which balances economic growth and environmental and welfare protections. That Mr Hu has now been able to elevate his key ideas with many years still in office shows his growing influence, analysts say. His predecessor, Mr Jiang, took 13 years before he was able to push his trademark notions into the party charter shortly before his retirement in 2002. "Hu has managed to get it in after only five years, and he has five more years to use it to shape the political environment and influence China's development pattern," said Joseph Fewsmith of Boston University. But more than slogans, the membership of the elite bodies will tell how much power Mr Hu wields and how he intends to use it, and who his potential successors and rivals are. "Hu has the power. It's now up to him to decide how he wants to use it and what he wants to do," political analyst Li Datong said. "But Hu won't be adventurous. That's not in his nature, and the party and country have already formed interest groups that any leader would find it very difficult to move." Li Keqiang, a party boss who worked under Mr Hu in the Communist Youth League, is a frontrunner for promotion. The party's new inner core is also likely to include Shanghai party boss Xi Jinping and other, younger faces who do not necessarily have longstanding ties with Mr Hu. October 19 Bhutto homecoming turns to horror
Two car-bomb explosions hit former Pakistani prime minister Benazir Bhutto's convoy today, killing at least 45 people as she returned to Pakistan from eight years in self-imposed exile. Police said at least 126 people died and 240 people were injured in the blasts in the port city of Karachi, which appeared to be carried out by at least one suicide attacker. Local hospitals reported 45 dead. At least 20 police were among the dead, officials said. Ms Bhutto, 54, who was travelling in a heavily-armoured truck, was unhurt, officials said. "Benazir Bhutto was immediately taken to her ancestral Bilawal house after the blast,'' interior ministry spokesman Javed Cheema said. "She's absolutely safe.'' The Department of Foreign Affairs and Trade has confirmed there were no Australians injured in the suicide bombings, but investigations were continuing. "At this stage, there are no reports of Australian casualties in this incident, but our High Commission in Islamabad is checking whether any Australians have been affected and can provide consular assistance to those who might require it," A DFAT spokeswoman told The Age. Meanwhile, Prime Minister John Howard, speaking on ABC radio this morning, said he believed the bombings were likely the work of al-Qaeda. "It's too early to be certain, but it looks very much like the work of al-Qaeda," Mr Howard said. Mr Howard said al-Qaeda was opposed to Pakistan's involvement with the US in the war on terror, which is supported by both Ms Bhutto and Pakistani President General Pervez Musharref. "Benazir Bhutto, to her credit, as well as General Musharref, have both said they will continue to support the Americans in the war on terror," he said. "It is a reminder of the evil of al-Qaeda. It is a reminder of how important it is not to concede a victory to them in Iraq or in Afghanistan.'' The biggest of the two blasts happened just metres from the truck carrying Ms Bhutto as it inched through crowds of supporters in Karachi, Pakistan's most violent city. The explosion shattered the truck's windows. Bodies could be seen on the ground near the scene of one of the blasts. Pakistan television was playing images of mutilated bodies on the street. An Associated Press photographer at the scene said he saw between 50 and 60 dead or badly injured people. He said some of the bodies were in parts. An initial small explosion was followed by a huge blast just in front of the truck carrying Ms Bhutto. Militants linked to al Qaeda, angered by Ms Bhutto's support for the United States war on terrorism, had threatened to assassinate her. About 20,000 security personnel had been deployed to provide protection as hundreds of thousands of people took to the street to greet Ms Bhutto's convoy.. Intelligence reports suggested at least three jihadi groups linked to al Qaeda and the Taliban were plotting suicide attacks, according to a provincial official. Ms Bhutto had returned to lead her Pakistan People's Party into national elections meant to return the country to civilian rule. For years Ms Bhutto had vowed to return to Pakistan to end military dictatorship, yet she came back as a potential ally for President Pervez Musharraf, the army chief who took power in a 1999 coup. The United States is believed to have quietly encouraged their alliance to keep nuclear-armed Pakistan pro-Western and committed to fighting al Qaeda and supporting NATO's efforts to stabilise Afghanistan. Dressed in a green kameez, a loose tunic, her head covered by a white scarf, Ms Bhutto had earlier stood in plain view on top of her truck, ignoring police advice to stay behind its bullet proof glass, as it edged through crowds waving the red, black and green tricolour of her Pakistan People's Party (PPP). Billboards along the route bore giant images of BB, as she is known, and her late father, Zulfikar Ali Ms Bhutto, the country's first popularly elected prime minister, who was ousted and executed by his army chief, General Mohammed Zia-ul-Haq. "Now that the people have given their verdict, it is necessary that the elections should be free and fair," she said before setting off at the head of a procession into Karachi. October 17 China protests Dalai Lama honoursOctober 16, 2007 - 9:10AM
China is protesting US honours for the Dalai Lama this week by pulling out of a planned international strategy session on Iran sought by the United States, a State Department official said. China objected to participating in the meeting on the same day that the exiled Tibetan Buddhist leader is to receive the US Congress' civilian honour at a ceremony attended by President George W Bush, the official said. China is one of six nations that have offered Iran a deal to shutter disputed nuclear activities, and Wednesday's meeting in Berlin was part of the US-led drive to punish Iran for spurning the offer. China is considered the main holdup to US plans to impose new United Nations sanctions on Iran this fall. China and Russia, which have economic ties to Iran, have gone along so far with an international effort to coerce Iran away from an alleged weapons program, but negotiations on the next round of sanctions is expected to be difficult. The six-nation diplomatic meeting is still expected to take place, perhaps a week later, said the US official who spoke on condition of anonymity. A spokesman for the Chinese embassy in Washington did not immediately respond to a request for comment, but China has previously protested the US honours for a leader that China considers a separatist. "China resolutely opposes the US Congress awarding the Dalai its so-called Congressional Gold Medal, and firmly opposes any country or any person using the Dalai issue to interfere in China's internal affairs," Foreign Ministry spokesman Liu Jianchao said last week in Beijing. Liu said China had "presented a representation" to Washington over Congress' move, but gave no details. Bush will go to the Capitol on Wednesday to speak at the presentation of the medal, whose recipients have included Mother Teresa, former South African President Nelson Mandela, Pope John Paul II and Ronald and Nancy Reagan. Bush also will welcome the Dalai Lama in the White House residence on Tuesday. China has also recently cancelled December human rights talks with German Chancellor Angela Merkel. China was incensed by Merkel's meeting with the Dalai Lama last month. China routinely criticises visits abroad by the Dalai Lama, who fled Tibet for India in 1959 during a failed uprising against Chinese rule. Winner of the 1989 Nobel Peace Prize, the Dalai Lama remains popular among Tibetans and is widely respected abroad, despite efforts to undermine him by Chinese authorities. China claims Tibet has been its territory for centuries, but many Tibetans say they were effectively independent for most of that period. October 16 中国在诺贝尔之路杨正宁这一个在中国妇孺皆知的名字，最近又挤进了大家的眼帘。 在他捧得了上帝给他最后的一份礼物之后，他似乎又按捺不住内心的悸动。近来各位看官如过有关心诺贝尔奖的话，一定会发现这位中国在该领域“最有发言权”的人士又开始鼓吹他的中国教育世界一流论。在近期对于几个大专院校的演讲中，他，作为一个曾经的诺贝尔物理学奖的获得者，华裔著名科学家，公开断言在10至20年内中国必有科学家稳定诺贝尔奖。这是多么好的一个期望！ 但，它是否现实？如若不是，那杨先生说这番话是出于语不惊人誓不休的目的呢？还是别有用心呢？ 众位看官都要比在下都要来的有学识懂文化，获得诺贝尔奖的先决条件我就无需多言。让我们直接来看看今年获得诺贝尔经济学奖的那三位，以及他们所任教的学府吧。 莱昂尼德·赫维奇（90岁）―――――明尼苏达大 学 埃里克·马斯金（57岁）――――――普林斯顿大学 罗杰·迈尔森（56岁）―――――――芝加哥大学 这三位都以年过半百的学者对经济学的贡献不可小觑，但确不在我们今天的讨论之列。让我们来看看他们任教的几所大学。先说芝加哥大学在历史上，这所大学的教职员工（faculty）以及学生(students)先后有78位。。。她理所当然的被称为诺贝尔的摇篮。让我们在看看普林斯顿，目前教授中有7个诺贝尔得奖者，22位麦克阿瑟天才奖得主，历史上31位校友荣膺诺贝尔，这样的成绩同样让我们不敢小视。 反观中国，我们有这样的得奖条件吗？ 首先来看看我们国内现在的大学,我们真的国际一流了吗？伴随着一轮有一轮的带有社会主义特色的“圈地运动”，以及一波又一波永无休止的扩招，2007年中国高考计划招生567万人。也许我无权对高考扩招说些什么，要是没有扩招，我或许还没有大学上。但是我忍不住要问，我们的大学准备好了吗？普林斯顿大学的校长，曾经在中国的一个大学校长的论坛里说到，他很佩服中国大学的校长们，因为如果要让他把大学的在校人数翻一倍，他要20年的时间才能让教学水平恢复到扩招前的水平。。。今天的大学准备好了吗？这样臃肿的学校能够培养的出人才吗？我不敢否定我们国家把大学教育从精英教育变为基础教育的决心，勇气，以及眼光，但是那样沉重的学费我们那些穷苦的同胞负担的起吗？如果在学校里连肚子都填不饱的孩子，将来能拿诺贝尔奖吗？杨教授请你谈谈我们国家的奖学金制度健全了吗？我们国家有足够人数足够资质的教授去培养下一代的诺贝尔奖了吗？
其次，让我们看看我们今天的教育教给了大家什么？在我们深究这个议题的同时，让我们先体会一句诺贝尔数学奖得主纳什的话“，过度学习“二手知识”可能损害创造力和独创精神。他要自己发明一套数学逻辑。。。。。”今天中国的教育体系从基础教育到高等教育教会了我们孩子什么叫做创新性了吗？当澳洲的孩子整天手签手跟这老师这里去看看，那里去转转的时候，我们的孩子在做些什么？是一边进水管进水，另一边出水管放水，水池多久能注满的应用题？还是在津津有味的背诵小学生守则。。当你看到这样的对比时，你忍心去怪我们孩子没有创新力吗？如果我们不从今天就改变这样的一个状态，那么20年后当这一带的孩子都成长了，谁为我们去摘下这颗桂冠呢？这个问题最好留给杨先生回答，因为正是他曾经说国西南联大教会他严谨，而西方给了他创新力。。。也许杨先生老了没有那么多时间关心我们的基础教育。。。 但是作为中国的这一代，我们有权利去忽视吗？ 综上总总，我只能说中国离诺贝尔还很远。。。。。 Economy key to survival, Hu tells congressCHINA'S Communist Party must rid itself of corruption and bureaucracy and continue the post-1978 economic reforms that had transformed its economy from one on the verge of collapse into the world's fourth biggest if it was to survive, President Hu Jintao declared yesterday. Mr Hu's report to the 17th Party Congress opening focused heavily on the domestic challenges of ensuring continued economic growth while addressing environmental damage and meeting the growing expectations of a wealthier, more diverse and demanding society. He promised gradual but steady improvements in the rule of law and democratic rights as well as a cleaner environment by 2020, when per capita gross domestic product is to have quadrupled from 2000 levels and China is to have completed its industrialisation to become a "moderately prosperous" society. But the process of consolidating socialism would require "unremitting efforts" and a "dozen or even dozens of generations", he warned, urging party members not to lose sight of the fact China would remain a relatively poor country for a "long time". On foreign policy, Mr Hu reassured the world it was not engaged in an arms race and did not pose a military threat, so there was no need to fear China's economic and political rise. He called instead for global co-operation to take good care of the Earth by fighting global warming. Mr Hu offered an olive branch to Taiwan, where former leaders have threatened reunification by force. He offered a formal end to the state of hostility but a peace deal depended on the island democracy's 23 million people accepting that both sides of the Taiwan Strait, considered one of the world's most dangerous flashpoints, "belong to one and the same China". Mr Hu's speech, marking the midpoint of his 10-year reign as leader of 1.3 billion people, emphasised repeatedly that the future of the Communist Party and that of China was indivisible, but the party's survival depended on how effectively it fought corruption and other "matters that cause strong public resentment". The latter included demands for a healthy environment and basic public services. Mr Hu outlined greater spending on education and health to create a social safety net that would also help reduce disparities between rural and urban areas and between different regions. "While recognising our achievements, we must be well aware that they still fall short of the expectations of the people," he said. The congress, held every five years, will write into the constitution Mr Hu's "scientific outlook on development", which broadly seeks to reinvigorate the party so it keeps popular support through correcting the imbalances, problems and injustices from the past 30 years of breakneck development. Economic growth remained the top priority, he said, promising to cut bureaucracy, government and party, and reduce overlapping groups and conflicting policies that hindered efficient government. Stronger financial, legal, political and party institutions would be built or encouraged to accommodate the growing "enthusiasm" for political participation and to ensure central policy on matters such as environmental protection was actually carried out at a local level. Mr Hu also announced that "in-principle" public hearings must be held before new laws and policies "that bear closely on the interests of the public" are formulated. "Further reform in difficult areas is confronted with deep-seated problems," he said. Modernising the weak agricultural sector was another "arduous task" as he outlined a new type of peasant, or rather the creation of agribusinesses, as the country continued to transfer its excess rural labour to cities. "To stop or reverse reform and opening up would only lead to a blind alley," he said. Whether Mr Hu's vision will be effectively implemented will become clearer on Sunday when the congress ends and the leadership reshuffle of the Politburo's nine-member standing committee is revealed. July 21 以后很长一段时间不写了最近一段时间发生了一些事情..
虽然都不是一些什么大事..
不过父亲的一句话还是对的.
通过一些事情可以看清楚一些人...
又要搬家了...
其实我搬的不算频繁的了
在做police check
的时候
很多人的地址都是一长窜
而我只有两个...
搬完家..
心定了就应该又要开始屁颠屁颠的找工作了...
现在有一阵闲功夫...
突然回头去看看..
发现自己真的挺可怜的...
好像已经不再又追求了.......
两年前....我是何等的自信....
现在我已经似乎忘却了
自己的梦想..
每天都再沉浸在...钱于快乐的抉择中....
为了一张自己给自己开的未来空头支票...在那里
漂泊着...
想想过去在福州三中当寄读生..兼差生的时候
其实有的时候也蛮开心的
可是现在为了也许5年后的..年薪百万.
我自己都不知道我自己在做什么...
各种各样的诱惑太多.
回国四大...
这里工作
香港
星加坡
...美国master....
英国.....
澳洲CA..
CFA....
做生意...
但是我又是这样被各种条件束缚着...
父母的老去...
心中的负担..
也许这个家我也要开始承担了...
每年的这个时候.总是有那么多的人..
在msn上问我..
nono我要不要出来啊
出来去那里好啊
也许nono已经成为他们前方指路的**(用神像好像太夸张)
可惜他们那里知道..
连我都是那么的彷徨...
何况nono都改叫vincen很久了
过去由我所写的那个故事..
至今我都无法清晰的去回忆那些篇章..
只想告诉还在奋斗以及要来的人..
无论你走到那里
去做什么..
be happy
别忘了自己有那么一个梦...
下次写的时候我的salary 应该已经over 40Kaud/yr
如果发现半年没有更新...
大家可以supporse 我已经在漂的时候淹死了...
July 06 憋了好多天...咳..从6月19到现在..
憋了好多天了...
今天总算是知道最后的成绩....
又一次有惊无险........................
想想这两年..
废了...
那个average最后也都没有上到80......
我咋就没再这里读yr 1呢....
不过如果我那时就直接来这..
估计mel u 我都去不了吧..
不过这两年也都没有怎么看书...
天天不是在那玩..
就是做家务..
然后.....每天再屁颠屁颠的..
搭上火车..
接着换个电车
去学校......
到了学校..
上课
就开始
发呆......
咳...有些同学的家..
就是我回家的起点..
算了
这TMD
也许就是生活....
后面要好好把握了...
过去又的光环..
现在几乎都黯淡了...
所以要好好计划一下...
嗯..
下一战..
按计划
应该是
UCLA
了
June 14 随便写写最近这段时间可能是我来mel最忙吧?
读书越来越不ok了....
真是觉得对不起我得父母啊...
made吃最好得用最好得...
不过其实我有我自己得计划...
一步一步我会慢慢让它实现得..
最近对我是个多事之秋..
希望身边得同学一切都好....
今天胡一周同学考EPM帮她祝福一下....
对了今天看到一篇文章..转贴一下
from 6park
当我们走到今日，回首起往事，是不是有一丝叹息？于你于我，过去的快乐与忧伤，都已随着时间的逝去，而变的淡然。我们的一生当中，会遇到很多很多形形色色的人，这其中有爱我们的，恨我们的，有陪伴我们走过一段却最终音讯渺茫的，当然也有一路走来，却始终相互扶持着的好友。而爱情当中，同样的，我们在不同的年龄似乎会遇见不一样的人，不仅是因为我们的成长，或许还有天时、地利的因素。 相爱中的男女，都是敏感而多情的。当每个人都带着曾经的沧桑而来，面对现在的爱人时，心里是不是会比初恋时多一些感慨？不是不爱，只是会有些迷茫，毕竟爱过痛过，心里的伤痕也不可能说一声好，立马没事！这不现实，我们是有血有肉的人，有情有义的人。只是，如果放不下过往，我们又怎么面对将来？ 爱过了，未有完美的结局，有时不是个人的原因，而是现实的因素，这样的爱情我觉得是最为可惜的；而有的却在分手后，才醒悟，曾经的自己受着怎样的疼爱，如今失去了，才恨自己没有珍惜。其实不论怎么样，当结局已经肯定，分手已成事实。我们需要去做的，不是一直悲伤，而是应该反醒，让自己学会如何的去爱？怎样的做得更好？才是最重要的。否则，失恋后的我们，除了伤痛还有什么？那才是真正的一无所有。 有人说过，初恋往往是不成功的，因为那时的我们太年轻，并不懂得爱，或者说不懂得如何去爱！而经历过感情挫败后的我们，一定是成长了的。世界上没有永远的失败！事业如此，爱情亦如此！ 当我们收拾起破碎的心情，用一颗善良的心继续的去寻找真正属于我们生命中的另一半时，我们应该做的，不是在意对方的过去，不是继续以前的错误。而是记着以前的教训，好好的爱对方！比如：曾经那么的不愿陪女友上街，曾经那么的不愿去了解对方的想法，曾经那么的不在意对方的委屈；如今，学着陪伴对方，学着去聆听对方，学着去尊重对方的一切。这何尝不是一件好事？如果没有经历过以前的一切，你会有现在的感触，会如此这般的珍惜现有的一切吗？ 当我们铅华洗尽，爱意重来时，不要去问对方，他（她）过去的爱，过去的情，过去的经历。要知道，现在眼前这个如此珍爱你，并如此懂你的人，正是因为以前那个人的付出与离去，才会有了现在的他（她），有了现在的你们！当我们明白这些时，是不是要感谢曾经的那个他（她），教会了现在的你的他（她）如何去爱，更将这个完美的他（她）留给了你！有一颗感恩的心，我们的爱就一定会更幸福，更圆满！ 既不回头 何必不忘 April 28 不惊不觉。。。不惊不觉来到这里都两年了。
不惊不觉我的大学就要毕业了。
不惊不觉跟过去的好多人都好久没有联系了。
不惊不觉我都从福州三中那样一个地方出来好久了。
不惊不觉好多好多事情都在我无意识的情况下发生了变化。。。
咳。。
转眼就要毕业了。。
虽然现在觉得找份工对我已经不是一个好大的威胁。。
但是最近都总是心神不宁。
始终觉得这里的感觉同国内
不一样。。
那就是一种感觉。。
说不出来。。
其实在这里都挺好。。。
出门不用走路。
没事就在ebay上bid个东东玩玩。。
要不然就逗逗家里果只猫。。。
都给得意啊。
但是就是那种感觉
不一样
其实都极想回国内的。。。
咳。。可惜没有把握能够进四大。。
虽然大家讲的我都好似同吃饼一样。。。
再说进了也不一定混的上去。。
谁叫那个人多啊。。。
再说。。回去的话。。
我的游泳池。。mini。。。
那只小boat。。。
都要推迟好久。。。
有的就彻底肯定的没戏了。。。
蔡叔叔。。你说就算一年10w。。。
我什么时候才可以有自己的小boat的啊？
可是在这里。。。
我都去不到4大！！！！！
那是我的梦想啊！！！！！！！！！
我是多么希望淹没在大公司无尽的benefits之中啊。。然后等下班。。。
所以这里同国内不一样！！！！！！
其实也都极怀念我的亲人。。
虽然他们都很卖国求荣。。。。。
原来呆在一个地方久作。。会发现好多不一样！！！！ April 24 最近。。。最近。。。快要毕业了。。
咳。。快要毕业了。。。人心思动啊。。。。队伍不好带了。。
其实对毕业还是有很多期待得。。。。。
总算。。。总算。。。。不用再读书了。。。
最近总好像在学到一些东西。。。
又总觉得好像用语言无法表达。。。。
期待啊。。。。不惊不觉4年过左去了。。。。
时间真系快。。。。
这几年。。。
只用用一个 咳 字来形容。。。。
真希望顺利进4大。。。
然后就让我埋没在大公司得benefits 之中。。
然后跟在别人后面做小弟。。
天天上班什么都不用做。。
在那里等下班。。
然后一年随便给个4。5W我就很满足了。
最重要每年performance review 顺利通过。。
然后每年给我加个10％。。。。。。。
我就可以至此开始我得小弟生涯了。。。。
上帝保佑啊。。。。
希望你过得都很好。。。。 April 09 my looser easter break咳。。盼了半天的easter 居然是这样的。。
去了趟philip island 觉得比上次还有意思。。
喂了一下袋鼠。。。
原来想写篇游记的。。
结果移民局那些SB。。搞了一些SB的政策。。
搞得我这个SB一点心情都没有。。。
对。。
就像大家恐怖的那般。。
移民政策变了。。
这两天好多人问。。。
N个人。。
你问我n有多少。。?
多少人问n就等于多少。。
大家还是自己认真看看移民局的网站吧
毕竟我说的也不权威。。
而且很多都只是我的猜测。
。。给个链接。。
总的感觉就是现在移民搞的很乱。。。
祝大家PR顺利啊。。。
无论如何记住一点。。。。
我们再苦不能怨政府。。点再背不能怪社会。。。
PS 哪位好心人有钱借我60块。。。。
急用。。
hoho 消失 April 04 hoho...4月第四天还是要庆祝以下的!明天就是4月5号了。。
很值得纪念以下。。
为什么呢。。因为那时4月的第5天。。愚人节过后的第4天。。
也是4月愚人节过后的第4天！！
很神气的日子！
hoho阿拉theage的卡终于拿到了。。。。。。
打电话complain n 次。。。
有人问我N等于几。。
我告诉你。。我打电话去complain 几次n 就等于几。。。
最后报着。。。。if you don't solove it immediately i may have to speak to your team leader 的精神。。
他隔天给我send 过来。。。。
you know
some times we got be tough...
还有就是跟过去一个熟人聊了聊。。
好多了。。
我们熟吗。。。
其实不是很熟。。
我们不熟吗
其实还好。。。
人生开始有了目标。。。
阿拉没有目标快两年了。
天天就抱着一个小破 first honour...
而且最后还没有守住。。。
嗯重新structure 以下自己！
阿拉嗯。。。
2007年7月。。。 auditing 拼死H1。。虽然很当心 ass 不过算了。。尽力吧。。
每次和别人合作都会是一次学习。。。
2007年年底 PR。。。CPA 搞掉两门！！！
2008年年初。。。。阿拉进4大！
2008年年底。。。。阿拉要搞掉全部CPA。。。
2009阿拉开始part time master of finance..
2010年阿拉要搞掉CFA。。。
2011年底阿拉买房子。。。。
2012年我就27了。。那年正好十年了。。。。
接下来的5年。有会是阿拉艰苦奋斗的5年。。
就为了心中那个简单的信念！！
最后希望那位熟人能接受我 最诚挚的祝福。。。。
阿拉又要开始fighting了。。。 March 31 半期了。。。。差不多半期了。。
作为俺。。undergraduate的最后一个半期。。
写点东西纪念一下。。。。。
其实也没有什么特别的。。
每周去学校两天。
固定周5的tute都是迟到。。
25分钟。。
答案都抄不全！！！！！
浑浑噩噩的。。。。。
最近心里很乱。。
想了很多东西。。
移民啊。。毕业啊。。。
不过也正常。。。反正在大家眼里，在自己眼里。
我就该想那么多东西。。。。
很怕自己没工作。。
废话。你不怕啊。。饿死人的会！！！
最近碰到一个人挺感慨的。。
一个香港小妹。。
其实跟我差不多大。。。可能比我大。。
她一起是在哪门课后面。。。跟在我后面做。。ass的。。
唉。。。现在也做了pass leader了。。。。
还差点教我。
说这个倒没别的意思。。。
只是可惜了自己的成绩单。。
在学校里面没怎么用的着。。。
自己最近也在想。。将来要不要到学校里面去教书。。。
不过始终都怀疑自己是不是那么type的人。。
然后竟而又联想到。。。自己这几年。。
在这个大学。。。
咳。。。
几乎都没有受到什么正规的学术训练。。。。。。。。。。。。
我估计全墨尔本 U的人
都想把我烹调了。。
特别是BNU的吧。。。
不过其实说实在的。。。。
这里真的一般ok。。。
我天天都在不知道玩什么。。日子也过的好好的。
开始越来越佩服自己无聊的精神。。
那天玩一个buletooth到半夜两点。。
结果第二天。。。hoho 周五的tute迟到25分钟！！！！
想当年。。在北师。。。。
那样的学术训练。。。。
俺一辈子都不会忘记滴。。。
自己也在想。。
或许是我提前预知了吧。。
不知道。。
其实我还是很喜欢我们学校的。。
anyways。。。。
过去曾经有××跟我说你可以去美国前20的牛校。。。
我可以干××
云云。。。
可是等到日子安定下来以后。。。
他们都已经不是first priority 了。。。。
我始终都不理解为什么那么多人热衷去英国和美国。。。
PS 估计这个发出去。。又要被好多人公干了。。
你说去美国可以拿到绿卡，还情有可原。。
但是英国。。。当然也许它有它好多吸引人的地方。。
只是我自己没有perceive到。。我笨吧！
在我的眼里的澳洲。。。。
比美国人少。。。比英国大。。比加拿大暖和。。比中国（那就不用比了。。）
当然在很多人的眼里的澳洲。。比美国落后。。比英国没文化。。比加拿大小。。比中国冷清。。
所以 ppl see things differently....
所以大家就不要公干我了。。
话说回学校。。。
虽然在这里天天过着××的日子。。
但是还是学到了一些东西。。
比如time management, presure management, networking....
总算一年的1万多刀。。没有白挨。。。。。。
但是。。学校最近还是有件事让我挺担心的。。。。。。
就是那个SB的melbourne model。。。
我不知道大家怎么看她。。。
i don't buy it!!!
虽然我们学校什么澳洲第一。。世界第19。。。无穷的水分。。
但是毕竟自己的母校。。改不了了。。。总归希望它好
做人还是老实点。。。不如悉尼就不是不如悉尼。。。
搞那个melbourne model....
连我们学校一群校友。。。
就说不大关心学校的ppl吧。。
都决得我们学校挺有钱得。。
摆脱。我们学校一年得盈利也就1－2千W得aud。。
有得时候可能还不如Monash。。。。。
你搞一个melbourne model。。。一下要砸进去。。。。
差不多。。8千5百万！！！！是澳币。。。。
也就是。。mel uni要向capital market 融资差不多.1billion。。。。。
这么重得利息。。。。还有什么心思教书。。。现在学校得教学都够松散得了。。
而且花那么多钱。。。。。把过去150年来得到得那么多specilized 专业都推翻调。。。
我只有一句话对我们敬爱得VC说。。。OMG。。。。。
下次搞那么大动作得时候。。好好问问学校得校友o'k。。
大家一条船上得人。。。。
快毕业了。还是那句话。祝大家平安。。顺利找到工作。。
有时间得时候多关心一下学校！！！
March 09 生活一天有一天。。。话说今天早上....咳..起个大早..
LZ 我10点钟的课啊....7点多一点就起来了...还傻B样的去挤火车....
墨尔本早上的火车。。。不是我说。。。。。。。
8点半就到学校了。。。。。。。。
很神气的是。。学校的图书馆既然已经开门了。。
然后我就疯一样的杀到reserve那边。。。。
可是我那本student solution manual就是找不到。。。。
还好那个staff够耐心。。。。。最后还是搞到了。。。
这里感谢一下melbourne university 的staff一年到头。
你们吃的比牛差。。起的比鸡早。。拿的钱比中国民工少。。。。
可是你为我们提供了excellent servie。。。
那叫打不还手，骂不还口阿。。。。。
嗯。。。虽然我不经常借书。。
在这里两年就借过两本书。。。
其中一本还是无聊陪人来图书馆。。。蛮借的。。。。。
然后又疯一样的杀去encompass 书店。。。
知道为什么叫encompass吗？
我们的faculity叫做encomic and commerce....pass就不要说了吧。。。
靠我们院生存的书店。。。
我的天。。。9点半才开门。。。
在门口等了好一会。。
结果进去又捣腾了一会那个photocopier。。。。
最后搞到10点20才copy 完那本书。。。
我的天。。又疯一样的跑道remond barry buidling去上俺的personal finance 的tute。。。。
最后我的天。。10点25进去。。。10点50下课。。
那个lcoal tutor还是让我sign attendance..
还跟我说Ta。。。
他很有前途。。我看好他哟！！！
总的来说。。。还要11周就要离开这个学校了。。。。
咳。。蛮不错的学校。。。大家对我都不错。。。（当然我对大家都也还可以就是了：） ）
也不知道将来要怎么样。。
生活就这样的匆匆忙忙的过去了。。
也不知道毕业以后工作的事情怎么办。。。
有那么一点冲动想去新加坡。。。好找工作啊。。
不过oz也蛮好的。。。
想去哈佛。。念个硕士。。。。有这个实力没那个钱啊。。再说现在命就剩下半条了。
不想再折腾去弄个什么奖学金了。。
想去悉尼读个master。。。。咳。。我觉得我们学校其实挺好的。。。
人生的选择。。。。
不过还是很庆幸当时来了oz。。。。
还好没有去其他的地方。。。
oz是个好地方啊。。。。
这里的鸟笨的。。。
made在中国死了几万次了。。。
流水账就到这里吧。。。。
大家都已经毕业了。。或者快要毕业了。。。
希望大家都找到好工作。。。
也希望我顺利进big four
我的意思是墨尔本唐人街传说中的四大小吃店！！！
祝大家都平安阿。。。 |
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