Category Archives: Miscellaneous

[Josh produced] the first love breath, 10 girls perfume big pk- Sohu 空山不见人的下一句

[Josh produced] the first love breath, 10 girls perfume big PK- Sohu do not give me a message, forced to ask, "how do you have no such perfume?"". Some have written before, are interested can turn jiutie. Some of you feel good, and bloggers don’t necessarily see it! Smell can not be unified by personal preference. I’m not interested in perfume. In recent years, the ancestor Malone perfume as the year Starbucks, buy two bottles forced lattice immediately soared high. Although Liuxiang short to no justice, or buy a bottle of 7~8. Perfume buy more ~ smell more ~ natural a little opinion. We each one takes what he needs. Micro-blog has a lot of 95, after 00 ask me, the first bottle of perfume in life what to use? Talk about the girl’s entrance scent. Incomplete photos. In order to make a large collection of broken Chanel collection Misia perfume… Die die, this is the most expensive bottle! 1: Bvlgari green tea cologne water, regardless of age, regardless of gender! Whether you’re 15 or 70, spray it all right. The official said it is fresh and elegant, low-key luxury, I do not love, spray a spray room, all right now. How many green tea perfumes have you used?. The most favorite one is Elizabeth Aden, the price of ground gas, snacks can buy less. Spray it, go on a bus, go on an outing, date. Bvlgari green tea, I don’t understand. Recommendation: * * * 2 Givenchy perfume spray Sankin Dahlia? Only once, send people. I like recognizable perfumes. The perfume is to "free", as well as rouge. Do you want to wear your aunt’s color, rose red, or your stool color?. Nobody’s got it. The person who likes you will love you. It’s no use trying to please your people who don’t like you. Recommendation: * * * index 3 Chanel Chanel vitality perfume Liuxiang out. Even if a CC… Rub cream… Can be a peach flower fragrance. Four kinds of inclusions… Encounter, each encounter smells good, green is the most fresh, sweet pink, yellow woman, the orange is a sweet, fresh combination! The scent is very active, the front tone can be very fresh, giving the sense of pleasure a sense of shock! Spray it back to the high rate of absolute, really great…. recommendation: assumes 4 Guerlain little Eau De Toilette: this thought light fragrance is fresh. As everyone knows, is so sweet, sweet and fragrant belong to! There are also some girls who are good at this. Guerlain perfume level as a whole is very high, this is best to try smell. Recommendation: * * *. 5 Guerlain Aqua Allegoria Eau Green Tea citrus flavor, citrus flavor is where? Almost no, a green tea does not love! Flowers, water, language, this is the most unaccustomed to this! It’s kind of like a fool’s melon family – the scent of green tea, melon seeds… A bottle really like it, and a couple of unopened ones. This bottle is forwarded to a friend. She love this tune. Recommendation: * * * * index 6 Chloe perfume very popular girl, sweet girl…. many girls love it more sentimental than Chanel encounter series, than MISS DI.

【乔希出品】初恋的气息,10款少女香水大PK-搜狐   不要给我留言,瞎逼逼问道“怎么没有某某香水”。一些之前写过了,有兴趣可以翻旧贴。一些你觉得好闻的,博主未必看得上!嗅觉全凭个人喜好,无法统一。我对小众,冷门香水并不热衷。这几年,祖马龙香水如同当年的星巴克,买两瓶逼格立马飙高。虽然留香短到没天理,还是买了7~8瓶。香水买多了~闻多了~自然有几分见解。大家各取所需吧。   微博上有不少95后,00后问我,人生中的第一瓶香水要用什么?这次聊聊少女入门香。      不完整的合影。      为了拍大集合,打碎了香奈儿米希亚珍藏香水…好死不死,这是最贵的一瓶!      1:宝格丽绿茶古龙水   它不分年龄,不分性别!不管你是15岁还是70岁,喷它都妥当。官方称它清新淡雅,低调奢华,我并不喜欢,喷了一次,现在没事喷喷房间。用过几款绿茶香水。最爱的一款还是伊丽莎白雅顿,价格接地气,少吃零食就能买。喷它坐公交,去郊游,约会都可以。宝格丽的绿茶,我不懂。推荐指数:★★★      2 纪梵希大丽?圣金香水   仅喷了一次,就送人了。我喜欢辨识度高的香水。喷香水就是要“招摇”,擦口红也一样。你要擦姨妈色,玫红色,还是大便色。没人管得了。喜欢你的人,就是会喜欢你。不喜欢的你的人,百般讨好也没用。推荐指数:★★★         3 香奈儿活力邂逅香水   香奈儿的留香出了名….即使擦个cc霜…都能被一股水蜜桃夹杂花香味….四款邂逅,每一款都很好闻,绿色邂逅最清新,粉色最甜美,黄色最有女人味,这款橙色是甜美,清新的结合!香味很活跃,前调就能很fresh,给嗅觉一种愉悦的冲击感!喷它回头率绝对高,真的很棒….推荐指数:★★★★☆      4 娇兰小黑裙淡香水:本以为淡香比较清新.殊不知,还是那么甜,属于甜腻香!也有部分女孩好这口。娇兰香水整体level很高,这款最好去试闻。.推荐指数:★★★      5 娇兰花草水语淡香水   柑橘绿茶味,请问柑橘味在哪里?几乎没有,一股不爱的绿茶香!花草水语里面就这款最闻不惯!有点像傻子瓜子家~绿茶味瓜子的香味…..瓶子真的喜欢,还有几款没开封。这瓶转送好友了。她喜欢这种调调。推荐指数:★★★☆      6 chloe香水   非常受欢迎的少女,女孩香….很多女生都爱它,比香奈儿邂逅系列更青涩,比MISS DIOR更淘气(就是甜里有一股酸涩的感觉。男生,女生都不会排斥这味道)蝴蝶结造型的香水有很多。这种不经意的丝带,看了最舒服。香味不俗气,香花夹杂糖果!推荐指数:★★★★☆         MARCJACOBS 莫杰雏菊幻彩女士淡香水   小雏菊香水有N种包装,种类超级多!重点是随便买一款,味道都不会令人失望。绝对能列入少女香候选名单。喷了它身上散发出,“我是少女~我是少女的信号。”香水也是有年龄区间的,好比Dior真我,宝格丽午夜茉莉,少女驾驭不了,老女人喷MJ也会有装嫩的感觉。推荐指数:★★★★      8:菲拉格慕SIGNORINA香水适合比较文静,优雅的女孩。笑起来~“哈哈哈哈”整个操场听得到的女生与它无缘。东方花果香,味道相对成熟些。推荐指数:★★★★      9:巴宝莉body香水   女孩喷了它就会变成女人…香味成熟、妩媚、充满现代感. 有几分张扬,不拘束的感觉。巴宝莉香料也很赞(大品牌香料都不差),整个基调都舒服。总之,少女恋爱了,想要蜕变了,可以试试她。职场女人同样适合。推荐指数:★★★☆      10;莫杰摩登时代女士香氛(栀子花香水)   MJ新出的香水,真的好栀子花,味道略好闻!!专为少女,小女生研发。在职场打拼多年的女人,会觉得这个味道太嫩,恰巧适合进入大学,毕业实习的女孩。保留心中原有的乐观。推荐指数:★★★★      香水不是必需品?或许有一天,它会给恋爱中的你,带来更多甜蜜。给职场上奋斗的你,带来更多自信。就像香奈儿女士所说,“把香水喷在想被亲吻的地方。”用香与甜,应对人生的苦涩和不顺心。相关的主题文章:

Tesla to Apple executives or design autonomous processor 火石结晶

Biography of Tesla Apple executives dug again: or design of processor sina science time Beijing afternoon news, if Tesla and Apple really in the next game of chess, then the latter clearly occupy the upper hand in talent. Just a few weeks ago Tesla hired legendary chip architect Jim Keller (Jim Keller) as the new vice president of automatic cruise hardware engineering, it has been reported that former executives at DEC, Alpha, PA Semi and Apple’s Peter Banon (Peter Bannon) also joined tesla. In 2012 from Apple switched to AMD before, Keller and banon was leading Apple processor development business, the business began in Apple’s 2008 acquisition of PA Semi chip manufacturing company. Two of them led the development of Apple’s A4 and A5 processors, which were used by most mobile devices between 2010 and 2012, using the two processors. Keller then switched to AMD Zen development framework, but still remain in the banon apple, and developed a variety of processors, and until last week to join Tesla keller. There are dozens of processor related patents that make him the inventor, but he’s just one of the many executives who have recently dug out from apple. In addition to that between Tesla and Apple may continue to erupt from war, banun joined Tesla also raises an interesting question: Tesla ready to design their own processor? At first glance, it seems unlikely, but the automaker has now hired the best two bit processor architect today. Of course, their expertise does contain some useful skills for other sectors of Tesla, but Tesla is entirely likely to make full use of their core skills. In the last week came after reports of Tesla hired Keller, Morgan Stanley analyst Adams Jonas (Adam Jonas) in the fourth quarter earnings in Tesla mentioned it, and asked the Tesla CEO, whether this means that the company will develop their own processor. The conversation at that time was as follows: Jonas: I’d like to ask two questions. First of all, can you confirm the microprocessor industry legend Jim Keller has joined the company, leading the Tesla automatic cruise hardware engineering department? Is the news true? And does that mean Tesla might design its own chip? Tesla CEO Elon Musk (Elon, Musk): I think we all already know Keller joined tesla. We’ve been hiring excellent people. Jim is one of the representatives, but some people are more concerned about the media. But I think Tesla is attracting talent at an incredible speed. As for the second question, I can only say: No comment. Tesla has confirmed Keller to join, but musk declined to comment on the chip problem. However, Tesla is still possible to design its own chip. When Tesla S launched Model in 2012, Tegra reported that the company uses NVIDIA)

传特斯拉再挖苹果高管:或设计自主处理器   新浪科技讯 北京时间2月29日下午消息,如果说特斯拉与苹果之间真的在下一局棋,那么后者在人才方面显然占据了上风。   就在几周前传出特斯拉聘请传奇芯片架构师吉姆・凯乐(Jim Keller)为新任“自动巡航硬件工程副总裁”后,现在又有报道称,曾经在DEC Alpha、PA Semi以及苹果担任高管的彼得・巴农(Peter Bannon)也加盟了特斯拉。   在2012年从苹果跳槽到AMD之前,凯乐和巴农曾经领导苹果的处理器开发业务,这项业务始自苹果2008年对芯片制造公司PA Semi的收购。他们二人领导了苹果A4和A5处理器的开发,该公司2010至2012年的多数移动设备都使用这两款处理器。凯乐随后跳槽到AMD开发Zen架构,但巴农仍然留在苹果,并为其开发了多款处理器,直到上周与凯乐一同加盟特斯拉。   有数十项与处理器相关的专利都将巴农列为发明人,但他只是特斯拉最近从苹果挖来了众多高管中的一位。   除了表明特斯拉与苹果之间可能继续爆发挖角大战外,巴农加盟特斯拉也引出了一个非常有趣的问题:特斯拉是否准备设计自己的处理器?   初看似乎不太可能,但这家汽车厂商现在已经聘请了当今最优秀的两位处理器架构师。当然,他们的专业知识中的确包含一些对特斯拉其他部门有用的技能,但特斯拉完全有可能充分利用他们的核心技能。   在上周传出特斯拉聘用凯乐的报道后,摩根士丹利分析师亚当・乔纳斯(Adam Jonas)在特斯拉的第四财季财报中提到了此事,并询问特斯拉CEO,此举是否意味着该公司会开发自己的处理器。当时的对话如下:   乔纳斯:我想问两个问题。首先,能否确认微处理器行业的传奇人物吉姆・凯乐已经加盟贵公司,领导特斯拉自动巡航部门的硬件工程?这条消息是否属实?另外,这是否意味着特斯拉可能设计自己的芯片?   特斯拉CEO伊隆・马斯克(Elon Musk):我想大家都已经知道凯乐加盟了特斯拉。我们一直都在聘请优秀人才。吉姆是其中的一个代表,只不过有些人更受媒体关注。但我认为特斯拉正在以不可思议的速度吸纳人才。至于第二个问题,我只能说:无可奉告。   特斯拉已经证实了凯乐的加盟,但马斯克拒绝对芯片问题发表评论。不过,特斯拉最终仍有可能设计自己的芯片。   当特斯拉2012年推出Model S时,有报道称该公司使用了英伟达的Tegra处理器来为中控、信息娱乐、导航和仪表组件提供支持。这两家公司去年还在Model X中延续了这一合作关系。   英伟达CEO黄仁勋是特斯拉的粉丝,他本人拥有3辆特斯拉汽车。在去年的一次活动上,黄仁勋宣布开发一个名为英伟达DRIVE PX的无人驾驶汽车计算平台,而马斯克也在那次活动上与黄仁勋一同探讨过无人驾驶汽车。马斯克当时还盛赞英伟达的技术:   “英伟达的Tegra表现非常优异,这对未来的无人驾驶汽车发展十分重要。”   特斯拉只是证实Tegra 3芯片将用于Model X,但还有传言称,特斯拉将使用英伟达的DRIVE PX平台支持特斯拉汽车的自动驾驶功能,不过目前还没有明确证据证明此事。   特斯拉目前正在使用Mobileye的EyeQ技术支持Autopilot的视觉系统。   彭博社去年末的一篇报道称,根据马斯克与著名黑客乔治・霍茨(George Hotz)之间的电子邮件对话可以推断,特斯拉可能会替换Mobileye的技术――霍茨也在开发自己的无人驾驶汽车平台。   该报道传出后,Mobileye的股价几小时内就暴跌7%,但特斯拉后来出面澄清传言,并发布声明称:Mobileye的技术“在同行业中处于全球领先地位”,并表示将继续使用该公司的EyeQ视觉芯片。   但特斯拉的这番言论是在聘用凯乐和巴农之前发表的,这一招聘决定肯定会令英伟达和Mobileye感到惊讶。虽然特斯拉不太可能启动芯片制造这样耗费资源的项目,但该公司的确有可能自主设计芯片,然后将制造工作外包出去。   由于自动巡航已经成为特斯拉的“重中之重”,如果出于某种原因导致计算平台成为自动驾驶的障碍,就不难想象特斯拉可能自主开发这样的平台。   值得注意的是,特斯拉还为自家的电动车生产了很多组件,据估计,该公司目前的垂直集成率约为80%。   具体到特斯拉与苹果之间的“挖角大战”,目前似乎已经有多位苹果前高级工程师任职于特斯拉的工程团队。除了凯乐和巴农外,还包括前苹果合金专家、现特斯拉材料工程副总裁查尔斯・库赫曼(Charles Kuehmann),前苹果Mac工程副总裁、现特斯拉工程副总裁道格・菲尔德(Doug Field),前苹果合金工程总监、现特斯拉产品副总裁里奇・海力(Rich Heley)。(书聿)相关的主题文章:

the layout in South Korea Sade anti missile system 哈尔滨科学技术职业学院

Morgan Stanley Investment: stock index soared weight stand on the 2900 point mark hot column capital flows thousand thousand shares of stock on the latest rating diagnosis simulated trading client Sina Level2:A shares of sina finance: App speed Kanpan live on-line blogger to tutor Morgan Stanley Investment received today the Shanghai index 2927.18 points, up 67.16 points, or 2.35%, turnover of 238 billion 700 million yuan; Shenzhen component index reported 10370.99 points, up 208.67 points, or 2.05%, turnover of 363 billion 400 million yuan. Entrepreneurship blackboard 2245.56 points, up 34.55 points, or 1.56%. Two cities, a total of 2440 stocks rose, 93 down, ups and downs than 26:1, non ST class trading stocks 88, limit 2 stocks. By the weekend, the Commission [micro-blog] Huanshuai news, today’s index opened higher after the shock rise in early trading, supply side reform under the concept of iron and steel, coal, nonferrous metal weight is active, the stock index intraday break 2900 point mark, after midday financial weight broke out, Chinese life time limit. On the surface of the insurance, coal led the increase; aviation, shipping slightly weaker than the broader market. Overall, the index opened higher today, the amount of the two cities can be significantly enlarged. Gem slightly weaker than the broader market. From the technical point of view, today’s stock index volume breakthrough 2900 points, index volume and price overall good coordination. From the complex market situation, over a period of time is the best performance of Shenzhen local shares, followed by gold stocks and electronic information; earnings are low, such as banking, brokerage and other not what action; coal, nonferrous metals and other sectors are more obvious admission funds. The differentiation of these mainstream weights faintly tells us that the large level of venue funds have begun to layout supply side reform, the target may aim at the reform policy after the two sessions landing. From a fundamental point of view, last year’s stock market crash and the beginning of this year’s "fuse" has brought great harm to investors, the Securities Regulatory Commission although the long-term effects of the coaching of A shares is limited, but the short-term market sentiment is to greatly boost the performance of the market, we NPC and CPPCC before and after operation is more optimistic, investors concerned about the three the direction in the premise of not chasing high: one is the annual report of new shares gaosongzhuan; two is the supply side reform, such as real estate tax price increase stock deal stimulus in the industry chain; three is the missile test, the Korea US joint military drill, the layout in South Korea Sade anti missile system, China containment the restructuring of military research institutes, military asset securitization and other events under the military unit. Sina statement: Sina published this article for the purpose of transmitting more information, does not mean to agree with its views or to confirm its description. This article is for reference only and does not constitute investment advice. Investors operate accordingly and take risks at their own expense. Enter Sina Financial shares] discussion

大摩投资:权重暴涨 沪指站上2900点关口 热点栏目资金流向千股千评个股诊断最新评级模拟交易客户端 新浪财经Level2:A股极速看盘 新浪财经App:直播上线 博主一对一指导   大摩投资收评   今日上证指数2927.18点,涨67.16点,涨幅2.35%,成交2387亿元;深成指报10370.99点,涨208.67点,涨幅2.05%,成交3634亿元。创业板报2245.56点,涨34.55点,涨幅1.56%。两市共有2440家个股上涨,93家下跌,涨跌比26:1,非ST类涨停个股88家,跌停个股2家。   受周末证监会[微博]换帅的消息刺激,今天指数高开后震荡走高,早盘供给侧改革概念下的钢铁、煤炭、有色等权重表现活跃,沪指盘中突破2900点关口,午盘之后金融权重爆发,中国人寿一度涨停。盘面上保险、煤炭领涨;航空、船舶涨幅略弱于大盘。   综合来看,今天指数高开高走,两市量能有明显放大。创业板表现略弱于大盘。从技术面来看,今天沪指放量突破2900点关口,指数量价整体配合良好。从市场的复盘情况看,过去一段时间表现最好的是深圳本地股,其次为黄金股和电子信息等;市盈率低的如银行、券商等没有什么动作;煤炭、有色等板块则出现较为明显的资金入场。这些主流权重的分化表现隐约告诉我们,大级别的场内资金已经开始布局供给侧改革,目标可能瞄准两会后的改革政策落地。从基本面来看,去年的股灾和今年初的“熔断”都给投资者带来了巨大的伤害,此时证监会换帅虽然中长期对A股的影响有限,但是短期对市场情绪是极大的提振,我们对两会前后市场表现较为乐观,操作上建议投资者在不追高的前提下关注三个方向:一是年报高送转的次新股;二是供给侧改革相关的,如地产减税新政刺激下的产业链中商品提价股;三是朝鲜试射导弹、韩美联合军演、美在韩国布置萨德反导系统围堵中国、军工科研院所改制、军工资产证券化等事件刺激下的军工股。 新浪声明:新浪网登载此文出于传递更多信息之目的,并不意味着赞同其观点或证实其描述。文章内容仅供参考,不构成投资建议。投资者据此操作,风险自担。 进入【新浪财经股吧】讨论相关的主题文章:

为8.2折 倩男幽魂

15% off into the mainstream Bank of Guangzhou Mortgage: interest rates hope to further decline, rare! 15% off Guangzhou mortgage mainstream is still down space bank insiders generally expect the size of the mortgage will keep growing, preferential interest rates is expected to further decline since the start of the year, the state issued a series of policies to stimulate the property market to the inventory. And for Guangzhou buyers, the lower mortgage interest rates for housing cost reduction more practical. Even the day to Nandu, the reporter visited the Guangzhou more than 20 major banks found that the current Guangzhou market, including agriculture, since the establishment of diplomatic relations between the 17 banks personal loans first suite lowest discount rate is the benchmark interest rate 15% off, the lowest for 18% off HSBC. Many bank insiders judgment, although 15% off of the first suite of interest rate has become the mainstream of future interest rates, but Guangzhou mortgage rates still further down the space. Bank business to a loan tilt, Nandu reporter visited found that the banks have different standards of minimum discount. Part of the bank’s mortgage interest rate discount is not the implementation of a unified standard, but according to the qualifications of customers. Everbright Bank Guangzhou branch credit manager told reporters the south, the first suite loan interest rate discount in 15% off to 10 percent off, if the application has a certain customer deposits at the bank can apply for 15% off discount. Guangzhou branch of Ping An Bank loan manager also told reporters the south are the first suite loan interest rates are currently Ping An Bank Yishoufang and second-hand housing Yishoufang, according to the cooperation projects circumstances, as long as the second-hand housing net signed can do discount in 15% off to 12% off between the customer better qualifications can apply for 15% off discount. For the current Guangzhou mortgage interest rates, a bank loan department manager said sub branch of Nandu reporters, engaged in its business since the recent years are relatively rare. Similar situations are not unique to Guangzhou. Thaw 360 latest report released in January this year, the national mortgage, mortgage market continued the first suite average interest rate fell to a record low, over 70% of the bank interest rates for the first suite, offers unprecedented intensity. Analysis of Shanghai Pudong Development Bank Guangzhou branch personal team manager Zhang Haifeng south are reporters last year, RRR cuts, lower deposit rates, banks pay deposit cost reduced, so there are certain preferential lending rates. Coupled with the end of last year, the central bank lowered the reserve bank deposits, but also enhance the liquidity of assets of the bank, can be used for investment funds, in favor of the mortgage interest rate to float downward. In addition to improve the liquidity and lower mortgage interest rates and banks to adjust the internal structure of loans, to tilt loan business, resulting in a credit market competition increased. As we all know, due to overdue mortgage, low proportion of non-performing, coupled with real estate mortgage, the relative security has been the bank’s high-quality loan resources. "Now we basically do not bank pressure pieces, customers will be able to meet the demand, a state-owned bank branch in Guangdong province loan department official told reporters in Nandu, after entering 2016, because the bank Corporate Banking Services theory

8.5折成广州房贷主流 银行内部:利率望进一步走低   少见!8.5折成广州房贷主流 仍有下调空间   银行内部人士普遍预计房贷规模会保持增长,优惠利率有望进一步走低   开年以来,国家出台了一系列政策刺激楼市去库存。而对于广州购房者而言,一再走低的房贷利率对于购房成本降低更加实际。连日来,南都记者走访广州20多家主要银行发现,目前广州市面上,包括中农工建交在内等17家银行的个人首套房贷款利率最低折扣可达基准利率8 .5折,其中汇丰银行最低,为8.2折。   多位银行业内人士判断,首套房利率8 .5折尽管已经成为主流利率,但未来广州房贷利率仍有进一步下调的空间。   银行业务向个贷倾斜   南都记者走访发现,各家银行对最低折扣执行标准有差异。部分银行的房贷利率折扣并不是执行统一标准,而是根据客户的资质来定。光大银行广州某支行的个贷部经理向南都记者表示,首套房的贷款利率折扣在8.5折到9折之间,如果申请客户在本行拥有一定存款可以申请8.5折的优惠。   平安银行广州分行的个贷部经理也向南都记者表示,平安银行目前的首套房贷款利率有一手房和二手房之分,一手房要根据合作的楼盘的情况来定,二手房只要是网签的都可以做,优惠折扣在8.5折到8.8折之间,客户资质比较好的可以申请8.5折优惠。   对于当前广州的房贷利率,一家银行基层支行个贷部经理对南都记者表示,在其从事业务以来,这种情况近几年来看都是比较罕见的。   类似的情况并非广州地区独有。融360最新发布的今年1月房贷报告显示,全国房贷市场首套房平均利率续降至历史新低,有超七成银行对首套房有利率优惠,优惠力度空前。   浦发银行广州分行个人团队经理张海峰向南都记者分析,去年降准降息后,存款利率走低,银行所负担的存款成本减少,所以贷款利率上有一定的优惠。再加上去年年底央行对银行存款准备金有所下调,也增强了银行的资产流动性,可用于资产投资的资金变多,有利于房贷利率的下浮。   除了流动性的改善,房贷利率一降再降还与各家银行调整内部贷款结构,向个贷业务倾斜,导致个贷市场上竞争加大有关。   众所周知,由于房贷的逾期、不良比例低,再加上有房产做抵押,相对安全一直是银行优质的贷款资源。“现在我们银行基本上不压件,客户的需求都能满足”,一家国有银行广东省分行个贷部负责人告诉南都记者,而进入2016年之后,由于目前各家银行的对公业务进一步谨慎,向个贷倾斜较多,额度非常充裕。   另一家国有银行内部人士透露,目前行内确实对个人房贷业务作出了一定的倾斜,占贷款业务比例较以往更高。一方面是贷款年限放松,年限超过20年的较以往更容易通过审批,但同时,对客户个人征信情况要求更严,有逾期或其他不良记录的更难获批。银行通过“一紧一松”把控贷款业务,扩大业务规模,同时尽可能控制风险,降低不良率。   而据南都记者从业内获悉,1月份,由于新增贷款速度过快,部分银行广东省分行曾在1月下旬接到总行通知称,央行通过窗口指导的方式要求部分国有银行放缓信贷投放,此举在一定程度上影响了个贷投放,部分银行1月份暂停个贷审批。但进入2月份额度重新变得非常宽裕。   “今年基本上是执行相对宽松的政策,能宽松就按照最宽松的条件去操作,确保额度都能够放出去,毕竟房贷是银行相对优质的贷款资源”,上述股份制银行广州分行的个贷部经理也表示,总行给到分行的政策基本上都是按照国家给出的政策,各地银行根据当地同行的情况以及当地的监管状况来确定具体的政策。   上述个贷经理进一步表示,银行会向房贷这块有所倾斜,但是也面对指标的压力。在额度上今年比较宽松,目前还没有出现额度紧张的情况,从预留额度来看房贷也是占大头。   某股份制银行的个贷经理表示,广州的房贷利率低很大程度上是因为广州几家银行的同业竞争比较厉害,基本上只要有几家银行给出比较高的优惠后,其他银行也会跟风。   房贷利率有望进一步走低   有业内担心房贷优惠仅是昙花一现,但从南都记者采访的情况看,银行内部人士普遍预计放贷规模会保持稳定增长,优惠利率会进一步的走低,“因为10年期的国债利率到2.9了”。10年国债作为经济的风向标,随着我国经济增速的换挡,我国经济将从过去的高增长切换至低速区,资本回报率全面下降,房贷利率也将保持较低水平。   据悉,截至2月19日10年期国债收益率为2.83%,按照8.5折优惠利率为4.165%,则房贷利率比10年期国债收益率高了47%,银行内部人士预计差距比例会进一步缩小。   一系列政策利好使得银行业陆续调低了首套房的贷款利率,但是房贷利率调低过后是否会压缩银行的利润空间呢?对此,张海峰表示,从资金成本来看相差并不多,因为存款利率的下降使得银行获得资金的成本有所降低,再加上存款准备金的调整过后释放的流动性使得银行能够创造更大的获利空间,银行降低房贷利率到8.5折后其实跟之前基准利率所获得利润差不多。   交通银行发展研究部银行业研究员陈左向南都记者表示,每个银行都有自己的成本测算,有些银行获取负债的能力比较差,客户基础比较差,房贷利率降到一定程度就不能再降了,因为再降利润就不能覆盖成本了。   统筹:陈颖   采写:南都记者 田姣 吴梦姗 进入【新浪财经股吧】讨论相关的主题文章: