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中国人的婚姻观念正在发生变化，离婚统计数字以及政府令人担忧的数字可证明这一点。卫星通讯社记者在此篇文章中就为何中国离婚率越来越高尝试作出解读。

中国最高人民法院院长周强在清华大学作专题讲座时说，大多数年轻家庭在婚后3年后分手，而不是像从前那样在7年后。他透露的数字在网络上顿时引起热议。

北京大学心理学博士、中国劳动关系学院心理学教师宋萱在接受卫星通讯社采访时指出，出现这一数字的原因有多种。

他说：“对于现代人而言，七年变成三年甚至更短的时间，其实也可以用这一理论来分析。传统的人从认识、恋爱到结婚是一个很平缓的过程，而现在的人都很着急，大幅缩短了过去人们所需花费的时间。另外，心理学研究表明双方发生性关系的时间越早，激情退却地就会越快。那么在后两个阶段没有充足时间无法形成的情况下，亲密关系就会变得特别不稳定。另外，现代人受社会文化的影响，产生了一种误解，他们会认为感情就是全部。那么喜欢上一个人很快，不喜欢上一个人也很快，当你把恋爱和结婚的对象都以喜欢作为标准来选择的话，那么结果可想而知。”
中国的婚姻登记数量也有所下降。2018年成了11年来婚姻登记数量最少的一年。宋萱博士认为，当代中国人对待婚姻更负责任，会考虑到许多因素并有别样的重点和非重点的划分。

宋萱说：“简单地来说就是现代社会对婚姻不大友好，包括个人观念、选择的对象、改变自己的生活习惯和状态、结婚的成本等一系列问题。再加上现代人对待婚姻更加严肃，考虑的问题更加多样，要求也随之增加。”
《人民日报》2019年3月的问卷调查结果显示，29.5%的受访者因为没有遇到合适的人而没有结婚，23.4%的受访者表示，他们还没有准备好承担起建立家庭的责任。

中国社交媒体用户则把这一消息看作背离传统的标志。许多人甚至对此抱欢迎态度：“我觉得离婚率高是一件好事情，特别是七成由女性提出更让人觉得欣慰。在过去离婚被认为是一件不光彩的事情，很多人跟一个并不喜欢的人将就了一辈子，那是多么痛苦啊。女性不再是生育的工具，终于可以过自己想要的生活了，”一网友在评论周强的言论时留言道。
另一个证明中国年轻人婚姻观念发生巨大变化的有趣的信号是，自2002年以来74%的离婚申请是女方提交的。网民们认为，之所以会这样，是因为女性已经在钱财上独立。网友们留下了下面这些留言；“毕竟现在妹子越来越独立，有时候自己一个人过的日子比两个人还好,干嘛委屈自己”，“女强人变多了，女人有独立的经济来源所以底气足了”。

微博网友糖芯_Sweet写道，“说明在进步，女性不再将就，委屈自己了”
网上平台“贝壳找房”的数据也支持这一说法——2018年46%的房子买家为女性。

许多女孩在评论中解释上述统计数据时指出，是因为男人自己不再承担责任，并且也变得不再像个男人了。
“一生何来欢喜”网友写道：“现在的男人都不肯承担养家的责任，更别说养老婆，但是在这样公平对等的情况下，对老婆也不温柔体贴，还想着可以找个免费家政和小姐伺候自己，不离婚留着累死自己么？”
然而，大多数情况下，在中国新郎要有房，有车以及支付婚礼费用，购买昂贵的戒指，并聘请专业摄影师和其他用具。在中国的一些地区，家庭索要让人难以置信的金额作为女孩的“赎金”。近年来这种财政负担使年轻人不能结婚，许多新郎新娘甚至参加集体婚礼，为的就是节省金钱。

三位直接知情消息人士向路透表示，由于散户超额认购，阿里巴巴(BABA.N)(9988.HK)的香港第二上市已全数行使超额配售选择权，散户在新股总量的认购占比由2.5%提高至10%。

两位直接知悉内情的消息人士说，中国电子商务巨头阿里巴巴(BABA.N)香港第二上市案将最多筹资129亿美元，定价较周二纽约收盘价折价2.8%。

这次发股是香港九年来规模最大的上市交易，是全球最大的跨境第二上市案。

阿里巴巴将在周三晚些时候正式宣布定价，但三位消息人士称，投资者已被告知176港元可能是最终价格。

“除非市场状况发生重大变化，否则那就是最终价格，”一位消息人士表示。

根据这个价格，阿里巴巴将至少筹得880亿港元(113亿美元)。

如果执行绿鞋机制，最终可能筹资129亿美元。

阿里巴巴发言人不愿就面向投资人的招股价区间置评。

阿里巴巴在纽约上市股票价格周二收涨0.35%，报185.25美元。

阿里巴巴在纽约上市的一份美国存托股份(ADS)相当于八股香港上市股票。

虽然这个价格相当于较阿里巴巴最新收盘价折让2.8%，分析师指出若按11月12日未受影响的股价计算，相当于折让3.7%。11月12日是阿里巴巴启动第二上市的前一天。

“我原本预期是折让4-5%，所以这个数字大致没错，”Aequitas研究主管Sumeet Singh称。

阿里巴巴上市案赶上年底前的一波发股热潮，沙特阿美的首次公开招股(IPO)准备定价，集资规模有可能超越阿里巴巴2014年IPO创下的250亿美元纪录。

如果沙特阿美IPO价格定在参考区间的最高端，集资金额将达到256亿美元，公司估值达到1.7万亿美元，但低于原先的2万亿美元目标。

阿里巴巴发股案受到香港散户大军热捧，三名消息人士表示，由于散户认购踊跃，配售占比将达到10%的上限。

香港股市实行“回拨机制”，适用于散户出现大幅超额认购的情形，阿里巴巴这次的散户需求至少是原始分配比例2.5%的20倍，该机制的实施将会提高散户最后的认购额度。

中金公司(CICC)及瑞士信贷是阿里巴巴香港上市案的联席保荐人。

A report by financial services organization INTL FCStone has measured gold’s ability to act as a hedge against stock market volatility, which “varies from decade to decade.”

According to the report, if the US Federal Reserve continues to steadily raise interest rates, gold will replace US Treasuries as a safe-haven asset.

“If, as I expect, rates will go higher for longer, much higher for much longer, gold will replace Treasuries as the ultimate risk-off asset, and investors should own it as an insurance against equity market risk,” said INTL FCStone global macro strategist Vincent Deluard.

He noted that the precious metal tended to rally during “big down weeks for the stock market between 1985 and 1995, when the memories of the great inflation were still fresh.”

Gold’s value as an equity hedge declined during the “great moderation” of the late 90s, Deluard said, adding that Treasuries emerged as the new risk-off asset during the deflationary years that followed the financial crisis of 2008. “However, gold has outperformed Treasuries on bad stock market weeks since the Fed started hiking rates in 2015,” he said.

The report also highlighted that the Fed’s “put” has been waning when it comes to US Treasuries. A “put” option is an option to sell assets at an agreed price on or before a particular date.

INTL FCStone’s strategists added that foreign investors do not favor US Treasuries because American yields are “often negative on a currency-hedged basis.”

According to Deluard, “the speculation around Russian and Chinese central banks buying up gold and selling US Treasuries” is another significant aspect to keep in mind when weighing risk-off asset options.

It is “undeniable that China and Russia have reduced their US Treasuries reserves (to close to zero in the case of Russia) and increased their holdings of gold,” he said.

Contemporary art projects on a picturesque island off the northern Norwegian coast
In our film series format, we see writer and curator Francesca Gavin team up with creative heads and art advocates from various fields. Together, they embark on a journey to a selection of some of the exquisite collections featured in the BMW Art Guide by Independent Collectors.

Here presenting the sixth installment, this journey takes us through the breathtaking landscape of Norway’s Lofoten Islands, where the KaviarFactory literally exists on the edge of the world in Henningshvær. Crusing alongside the dramatic headlands, Gavin is accompanied this time by DJ Cassy who contributes a good sense of humour to their off-grid exploration.

Collectors Venke and Rolf A. Hoff are the pair behind the collection, who facilitated the conversion of a former caviar factory into a 500-square-meter exhibition space. Opened in summer 2013, the building was renovated by the Norwegian architecture firm Element, complete with a few artist touches like the façade’s lettering “KAVI FAC ORY” by Michael Sailstorfer and door handles by Bjarne Melgaard. Underlying the collection’s unique seaside residence, is both a sense of play and intruging competition between artworks, space and nature. To further add to the experience, is Venke and Rolf’s lighthouse, which is a short walk away and can be rented for special occasions.

As for the collection, for over 30 years, the pair make a push to support Norwegian and international positions, doing so by inviting artists from all over the world to realise an exhibition. Through collecting, Venke loves the opportunity to connect with people, wishing to give both local residents and visitors the possibility of viewing high quality contemporary art. The current exhibition, titled “Creation of a Moment”, explores photography as a medium and what this could be within the realm of contemporary art.

Join Francesca Gavin and DJ Cassy on their discovery as they explore the Henningshvær fishing village and the KaviarFactory, featured in the current fifth edition of the BMW Art Guide by Independent Collectors.

The Arctic Palladium project which involves development of several platinum-group metal deposits on Russia’s Taimyr Peninsula is nearing completion. It is expected to turn Russia into the world’s top producer of platinum metals.

The platinum-group metals (PGMs) is a group of six metals: ruthenium, rhodium, palladium, osmium, iridium, and platinum. They have similar physical and chemical properties, and tend to occur together in the same mineral deposits.

The deposits bear almost five thousand tons of platinum group metals with a production potential of 120 tons per year, according to Musa Bazhaev, head of Russian Platinum. Production will be launched in 2024.

An increase in freight traffic along the Northern Sea Route will make Russia the world’s leader in the production of platinum-group metals, particularly palladium, he said during a meeting with Russian President Vladimir Putin.

“We are setting up the project on the basis of new environmental requirements,” he said, explaining: “we will not have liquid waste, but will have dry storage… not to litter the environment.”

He pointed out that the project will enable Russia to produce more than 50% of the world’s platinum group metals.The Russian president has praised the project, noting its importance and good return.

The total investment in the project was $15 billion, and net profit currently stands at $3.7 million, which is an “excellent” result, according to Putin.

One of the world’s largest projects for the development of the platinum group of metals, Arctic Palladium was agreed in 2018 between Russian Platinum and Norilsk Nickel. The project aims to develop mining projects in Siberia, which contains some of the world’s richest deposits of platinum and palladium.

Russia’s mining industry, the country’s second largest after oil and gas, accounts for a significant share of GDP and exports.

DAD-OF-ONE Daniel Marshall earns £18,000 a year and manages to save an impressive £250 a month – but it’s still going to take 34 years to buy a house. 

The 22-year-old from Burnley, Lancashire lives with his partner Rabekah Whiteside, 20, and their son James, five.

This week, Daniel takes on the Cash Clinic challenge and lets expert Holly Thomas rifle through his bank statements to give him a money makeover.

Holly admits that Daniel runs a tight ship – but as well as saving cash she gives him some practical advice on how to get on the property ladder.

When you get a mortgage it’s usually possible to borrow four times your income – that means £72,000 for Daniel.

His partner Rabekah is a full-time mum and student, so she doesn’t have any savings or cash coming in.

They have £4,650 in savings but to buy their dream terrace three-bed home in their local area costing £175,000 on average they would need around £100,000 at least to put down as a deposit.

In order to save this up at their current rate it would take a massive 34 years, unless they are going to use a scheme like Shared Ownership or a Help to Buy loan to buy sooner.

“It’s really important to me to provide stability for my family and invest in our future,” Daniel told The Sun.

“But there’s no escaping that things are really tight and I’m worried it’s wishing for the impossible.”

“I’m proud of what I’ve managed so far but I’m concerned how long it’s going to take me to save up a decent amount.”

Here we reveal how to save Daniel hundreds of pounds – and how he can increase his family’s income.

Groceries: £180 per month

New spend: £150 per month

Saving: £30 per month

Daniel is super frugal – but there are ways to cut back.

A simple way to save is buying non-perishable items like loo roll, shampoo and cleaning products in bulk.

You’ll need to hunt out the deals using a website like MySupermarket.

While buying from wholesale retailers like Costo (which costs £15 a year for online-only or £33.60 for in-store membership) or Makro, which is free, could save Daniel upto £30 a month.

Daniel could also keep an eye out for one-time offers on Topcashback, where he has an account.

It is currently offering £12.60 cashback at Sainsbury’s – so if he does one weekly food shop he’ll get £12.60 back (with a minimum spend of £40, plus delivery fees), and that may be cheaper than his regular supermarket, Aldi, for a one-off shop.

Fuel: £80 per month

New spend: £40 per month

Saving: £40 per month

Joining a car-sharing scheme could halve Daniel’s fuel costs if he can split the fuel bill.

It’s simple if you can find workmates who live close to you – or if you share the school run with other parents nearby.

There are online services that will help match your journey with others such as liftshare.com, which is free to join.

Entertainment: £8.99 per month

New spend: £8.99 per month

Saving: £4 per month

Streaming TV is essential in most households – especially with little ones to keep entertained – and Daniel uses Netflix for this.

Netflix’s standard plan, which lets you watch two screens at a time, is pretty affordable though it has recently risen from £7.99 a month to £8.99 a month.

But Apple TV+ is launching on November 1 for just half the price at £4.99 a month. The new service is accessed via the Apple TV app and will allow you to download shows to watch offline.

If he wanted to go one step further he could also ditch his TV Licence and save £154.50 a year.
It might seem drastic, but over 37,000 households ditched theirs last year.

Daniel is also paying fees for his college course – a certificate in plumbing and electrics. This costs him £212 a month with another three years to go until it’s all paid up.

The family car – a Ford Focus – which Daniel uses to drive to work and take James to school, is leased which costs £186.59 a month, including interest payments that can’t be changed.

Daniel has a broadband and TV package with Virgin. Earlier this year he was told the bill would be £74 a month but he haggled the amount down to £50 a month.

Energy bills with Octopus cost £45 a month and he last switched in March so he will likely be on the most competitive deal.

Daniel’s parents pay his monthly mobile phone bill.

Council tax costs £81 a month which includes a 25 per cent discount because Rabekah is a student. So, there are no further savings to be had here.

日本的人工智能（AI）挑战了2019年1月实施的日本大学入学考试中心考试的英语笔试，取得185分（满分200分）、偏差值（指相对于平均值的偏差数值，是日本对于考生智能、学力的一项计算值）64.1的成绩。“机器人能否考上东京大学”项目（通称：东Robo君）小组日前透露了这一消息。

中心考试时向考生发放听力设备（1月19日，东京大学）

2016年在大型预备学校的中心考试模拟考试中，AI参加了5门课程8个科目的考试，英语成绩为95分（偏差值50.5），此次的成绩大幅提高。项目小组表示，“虽然论述式的二次考试（报考院校分别实施的考试）对AI来说还很困难，但如果只看中心考试（相当于统考）的话，AI的成绩不逊色于考上东京大学的人”。此次是首次公开AI挑战正式中心考试的成绩。

据悉，成绩提高的主要原因是，基于AI尖端技术“深度学习”的文章阅读理解技术取得了很大进步。而且，在从文章中找出多余句子等以前不擅长的领域，采用了项目小组自主开发的技术，使得正确率大幅提高。答完所有题目所花时间仅为几秒。

此次的AI还挑战了过去的中心考试。2017年的试题得分169分（偏差值60.1），2018年的试题得分167分（偏差值60.5）。使用上次参加模拟考试的2016年AI技术解题时，2017年的试题成绩为102分（偏差值45.1），2018年的试题成绩为95分（偏差值43.0），2019年的试题成绩为83分（偏差值40.7），通过对比可以看出AI本身取得了很大进步。

此次的项目由日本国立情报学研究所等机构于2011年启动，英语方面以NTT的研究所为中心进行相关研究。在2016年的模拟考试中，被23所日本国立公立大学和512所私立大学录取的可能性达到80％以上。项目小组2016年因为AI阅读理解能力问题导致成绩止步不前而放弃了使其达到东京大学分数线的想法，之后为提升能力而继续展开研究。