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  • 楼市销售陷阱

    瑞信的一份报告指出,一些公寓项目的退回单位数量令人咋舌,严重扭曲了官方每月统计及公布的市场销售数据的准确度。(档案照片)

    “卖一买二”投资策略是特别针对那些拥有价格涨得相当不错的组屋夫妇客户群。这个策略并不适合每个人,进行这种有风险的投资,夫妻俩必须有相当高的收入,并且经济稳定,或者有一定的闲钱。总之,屋主要量力而为,不要被房地产经纪的销售手法所迷惑。

    最近,有媒体报道了房地产经纪近期惯用来游说买家投资房地产“卖一买二”的投资策略,有关当局也点出这种投资策略的潜在风险。

    这种在市场上已存在一阵子的“卖一买二”投资策略,是特别针对那些拥有价格涨得相当不错的组屋夫妇客户群。

    经纪一般会建议他们先把组屋卖掉,然后夫妇俩以自己的名字各自购买一套公寓,再用卖屋的钱来支付这两套公寓单位的首期付款。

    两套公寓单位,一套用来自住,另一套出租,这样一来,既有新公寓住又能赚取租金收入,这个“卖一买二”的投资策略简直太完美了。

    乍看之下,这种房地产投资方式确实有它诱人之处。假设公积金储蓄足够偿还两套公寓的部分贷款,每个月的租金收入又能支付每月的剩余房贷,夫妇俩可能都不必动用月薪来补贴这个房地产投资。

    最吸引人的地方还是,因为夫妇俩是以自己的名字各买一套公寓,就可避免因购买第二个房地产而得支付的12%额外买方印花税。

    实际上,“卖一买二”投资策略对组屋提升者真的有那么完美吗?

    “卖一买二”风险可能更大
    这种房地产投资策略在媒体曝光后,引起有关当局的关注,并提醒屋主注意隐藏的风险,尤其是在目前全球经济低迷的大环境下,风险可能更大,只要夫妇俩其中一个丢了工作而无法马上找到相等薪金的工作,或出租的房子无法获得理想的租金收入,都可能导致全家必须承受两个贷款所带来的经济压力。

    看来这个策略并不适合每个人,进行这种有风险的投资,夫妻俩必须有相当高的收入,并且经济稳定,或者有一定的闲钱。总之,屋主要量力而为,不要被房地产经纪的销售手法所迷惑。

    经济不景气,新公寓项目仍一个接一个推出,甚至一星期内有好几个新项目同时登场,面对竞争激烈的新公寓市场,房地产经纪为了推销房子,用尽各种奇招怪术在所难免,也是可以理解的,但一些经纪的推销手法却令人难以苟同。

    经纪出示选购权书游说买房
    有读者爆料,他最近和朋友去一个刚放盘的公寓项目看房,接待他的经纪热心促销,企图以其三寸不烂之舌说服他预订一个两卧室的单位,他正犹豫不决时,这个经纪告诉他自己也定了一套,还出示自己签下的选购权书(option to purchase,简称OTP),经纪这一招,果然增强了这名读者购房的信心。

    后来他发现,接待他朋友的另一名经纪也说自己预定了一套两卧室的单位,同样也出示了选购权书。两人告诉他们的经纪需要时间考虑后,就在现场走走,竟然发现有不少经纪采用这种销售方式。

    看到这种现象,这两名潜在买家心中不免产生疑问:如果现场有三分之一的经纪都签了选购权书,那这个项目不是可以很快就卖完了?这些经纪是有诚意的买家吗?

    针对读者的疑问,我向一些熟悉这个行业的朋友了解,他们认为这种销售方式是可能存在的,有一些经纪为了拉客、增加销售说服力,以让潜在买家安心订购单位,不惜出此一招。

    业界的朋友透露,在签下选购权书的经纪当中,不乏真正的买家,但不排除有些经纪是为了推销房子而出的奇招。这些经纪在签下选购权书后,一般必须在三个星期内执行选购,若没法执行选购,他将有可能被发展商没收相当于屋价的1.25%定金。

    但以现在的市场惯例,一般发展商都可通融,允许重新发多一份选购权书,而经纪又有多三个星期使用新的选购权书来推销公寓。就这样一直向发展商要求重发新的选购权书,直到没有办法再重发,才会失去定金,而这也就当作“退回公寓单位”。

    所谓退回单位(returned units),指的是买家签署选购权书和支付定金后,却改变主意决定退回单位。买家支付的部分定金以至全部定金会被卖家或发展商没收。

    高佣金促成经纪“买房来卖房”
    对一个佣金可达2.5%的经纪来说,能够做成几宗交易或卖出至少一个相等于买进户型的单位,即使被没收定金,他还是有钱赚的。换句话说,只要房地产经纪的佣金越高,这一招就更凑效。

    不难发现,市场上新项目越多,竞争越激烈,一些发展商越愿意支付较高的佣金,房地产经纪因此就有空间使出这种“买房来卖房”的销售策略。

    这种“买房来卖房”的销售伎俩虽然未必会对购屋者造成损失,但它肯定是不良的销售手法,因为买家可能会被经纪的选购权书误导而做出购房决定。更严重的是,这些没有执行的选购权书也大大影响了官方每月收集来统计市场数据的准确度。对此,市区重建局已经开始在每月为上一个月所发布的数据做出适当的调整。

    根据9月份的一项统计数据,在该月售出和退回的公寓项目单位比率参差不齐。9月份卖得最好的是新登场的Park Clematis,售出的316个单位,只有一个单位退回。

    但是,一些也卖得不错的项目如Parc Botannia卖出了61个单位,可是当月退回的单位却高达38个,占售出数量的六成。

    数据显示,本地一些新私宅项目的退回单位近期走高,而买家放弃定金,把新购单位退回给发展商的因素各异。市场人士发现,一些越多人排队抢购的项目,退回单位比率越高,买家可能因一时冲动或经不起经纪游说,签下了选购权书,事后才发现自己负担不起,只好把它退回给发展商。

    重发选购权书不仅是房地产经纪的销售手法,当然也有较普遍的因素是上述提到的买家改变主意,或者买家更换个人资料。而组屋提升者一般需要多一点时间解决贷款和资金问题等,所以多数会要求发展商重发选购权书,发展商通常会通融而重发给买家。

    今年2月,瑞士信贷(Credit Suisse)发布了一份报告,指出本地一些公寓项目的退回单位数量有上升的趋势,特别是自去年7月的降温措施实行以来,一些公寓项目的退回单位数量令人咋舌,严重扭曲了官方每月统计及公布的市场销售数据的准确度。

    报告提到,这当中的原因是一些发展商为了锁住买家,愿意通融买家要求多次重发选购权书所致。甚至有些发展商也没有因买家无法执行选购权书而没收部分定金。

    无论是买家或卖家,都需要有一套能够真正反映房地产市场的数据作为参考。千奇百怪的房地产销售手法在所难免,但经纪适当的销售方式才能找到真正的买家,买家也必须量力而为,谨慎考虑后才签下选购权书,不可举棋不定,草草了事。更重要的是,买房前要做好功课,却忌跟风,才不会掉入楼市的销售陷阱。

  • If you felt Disney’s Frozen didn’t have enough climate & toxic masculinity propaganda for your kid, you’ll LOVE its new sequel

    The shiniest new weapon in Disney’s all-out woke culture war, Frozen 2, which comes out later this month, will teach your toddler to be a better man and encourage you to buy that electric car. Will that make for a good cartoon?
    The first Frozen came out six years ago and it was met with near-universal praise and acclaim. Yes, some thought it had a subversive feminist and possibly even pro-LGBT agenda. The idea of Elsa’s dangerous powers being repressed in secret was awfully reminiscent of the X-Men films, a comic book franchise embraced by pretty much every minority group that feels ostracized in some way. But, aside from some whispers here and there, almost everybody enjoyed the original Frozen. That was six years ago. Before Trump, Brexit, and #MeToo happened.

    Idina Menzel, the Broadway phenom who plays Queen Elsa, said of the film’s male lead that he is “sort of fighting this toxic masculinity and making him really comfortable with his emotions, making him be real supportive of the women in his life and not telling them what to do.” In other words Kristoff, who is ostensibly a Scandinavian iceman, is one of those huffsplainers who wears shirts that say “This is what a feminist looks like.” I have no idea how a guy like that could make a living cutting and selling ice but apparently that’s what Disney thinks the world needs now. Long gone are the days of Aladdin’s rebellious diamond in the rough…oh, wait… Disney literally just made a billion dollars repackaging and rereleasing that story six months ago. Mena Massoud may not be Arnold Schwarzenegger but his Aladdin was still more interested in sweeping Jasmine off her feet than he was concerned with “being comfortable with her emotions.”

    But that’s just the tip of the Iceberg. The plot of Frozen 2 is entirely a piece of climate change propaganda. The Telegraph put it best when they wrote that Parents should prepare themselves for catchy tunes and “being blamed for the destruction of the planet.” The plot is all about how Queen Elsa and Princess Anna’s ancestors were colonial monsters who gave the environment no regard. Disney thinks this will appeal to all the little Greta Thunbergs running around.

    Of course this isn’t really anything new in terms of animated fare. When I was a child there was the atrocious Ferngully: The Last Rainforest. It was basically the story of a magical rainforest run by fairies being attacked and destroyed by evil industrialists. Turns out there are still rainforests but, sadly (#sarcasm), Kroyer films, the production company that made Ferngully, is no longer with us. Then there was the equally stupid Saturday morning cartoon Captain Planet. The only thing I remember about him (because I refuse to visit that Wikipedia page) is that he was some kind of environmental superhero whose main attribute was a green mullet, oh and Don Cheadle’s (the MCU’s War Machine) hilarious parody version. Overtly political filmmaking is rarely compelling or successful, especially when it’s directed at children.

    I’m not saying that Frozen 2 will be the last film Disney makes, far from it, but this is either a pathetic attempt to spin a mainstream family film in a politically correct direction or an unfortunate boot-licking tendency that Disney has developed to try to placate the SJW hordes. Frozen was wonderful for the same reason all great films are delightful, it told a meaningful yet simple story full of a cast of relatable characters. That’s all any story really needs. As long as Frozen 2 does this, no one, from the wokiest blogger to the angriest yellow-vester, will really care about its politics. Francis Ford Coppola’s Godfather films were supposed to be a critique of capitalism but that’s got absolutely nothing to do with how beloved they’ve become. In fact, I’d say the popularity of films like that grows in spite of the politics of the filmmakers. Still, it’s a pretty gross thing to witness what should be a movie everyone can enjoy become mired in stupid political battles. The best stories reach beyond the topical and strike at the profound. That’s what made the first Frozen great and, hopefully, is what will make the sequel great as well, despite all the attempts at politicization.

  • China’s new communes: self-sustainability in Fujian province

    On a narrow dirt path, soft with morning dew, Tang Guanhua brushes through dense thicket. “When we first arrived, there was no path, nothing,” says the 30-year-old, clad in all-black baggy cotton trousers and a cardigan, breaking off some newly grown bamboo branches. “It was all overgrown, we had to clear the land and build these trails. It took a lot of time and effort.”
    Sounds of a nearby village’s crowing roosters and puttering motorcycles recede with each stride though this verdant tunnel. Tang stops and surveys a clearing vista of rolling hills overgrown with purple wildflowers, ferns and rhododendron. Mist rolls down the sides of the framing mountains, into the valley, where deciduous trees hide myriad chirping birds, and only a keen eye can spot the traces of human existence, also, and very purposefully, hidden here.
    “This,” says Tang, “is our land.”
    Since 2015, Tang and his wife, Xing Zhen, have been living in a reclusive, mountainous part of Minhou county, in southeastern Fujian province, about two hours’ drive from the capital, Fuzhou. Joined by a small band of like-minded Chinese, most in their early 30s, they have turned their backs on city life to form “Another Community”.

    Other, older, more successful self-sufficient communes in mainland China count at least 100 members. Tang’s Another Community numbers about a dozen, and some don’t live here full time as they cannot yet sustain themselves without working odd jobs. From a children’s book designer to a public-health expert, a film­maker to a Cisco security expert, members used to grind out a living in the mainland’s mega­cities, which Tang describes as “a homogenous, single-minded value system”. The commune, on the other hand, formu­lates its goals by committee. It is aiming for 30 residents by the end of 2020, 150 by 2030 and 300 by 2036.
    Laying the foundation, Tang and Xing believe, is the most arduous part. “In the future, with enough people, we can do everything ourselves,” Xing says.

    Unlike Western hippies in the 1960s – many of whom found their own ideals of communalism in the misty mountains of Yunnan province, where some remain – Another Community has no political objective. Instead, it draws from environmental, spiritual and holistic com­munes, such as the monastic Taizé fraternity, in France, the ZEGG ecovillage, in Germany, and the Tamera peace-research village, in Portugal. But one of the biggest influ­ences for Tang were the books of a British environmentalist.

    Born in 1914, John Seymour spent time with African tribes, who depended only on nature and one another. The experience left him deeply affected, and inspired him to write The Complete Book of Self-Sufficiency (1976), which sold more than a million copies in 20 languages, including Chinese, to the Love Generation. It has since been updated for the Tangs and Xings of late capitalism.
    Instead of bragging about their careers or snapping photos of meals in fancy restaurants, commune members aim to live in harmony with nature, free of societal pressures and expectations, working towards self-sufficiency – in electricity, food, clothing, soap – and their mission state­ment, to “let natural energy flow and return to nature”. But far from being anti­thetical to urban existence, “we wanted society to see that there can be many other ways of life that give people dignity”, says Tang.
    Having grown up in Qingdao, a city in Shandong province that now has a popula­tion of nine million, Tang saw pressure on resources increase, personal space diminish and housing prices multiply.

    Wang Hailong, 34, used to work in management at a private primary school in Beijing, a good job that provided him with a small but comfort­able flat. He had a loving family and enjoyed spend­ing weekends with his friends. But still he felt a deep dis­satisfaction. He travel­led through the main­land as far as the Tibetan plateau, where he saw nomadic high-plains herders who, though poor, seemed at peace. When he learned of Tang’s attempts to start a self-sufficient com­mune through an online fund­raiser, he was intrigued.
    “I had no idea then what the community would be like,” says Wang. But four years after he first boarded a plane from Beijing to Fujian, he is now a cornerstone of Another Community. “In cities, you always compare yourself to others, what they have, and that makes you really nervous.”
    His job and his flat in Beijing are gone, and he couldn’t be more relieved. “Even if we had money here, there’s no place to spend it,” he says.
    In his black-rimmed glasses and brandedjacket, Wang still looks like a city boy, but his jeans hang loosely on skinny legs as he drives a spade into the ground. Farm work is “a new thing for me”, he says, unearthing rain­worms and cockchafer grubs – some tiny, others thick as fingers, but once exposed, all wriggle back under – signs of fertile, healthy soil.

    The lease for the commune’s 202 hectare plot – almost three times the size of Beijing’s Forbidden City – costs 200,000 yuan (HK$223,500) a year and is paid for by the Zhenro Foundation, which is committed to advancing society by supporting innovative projects endeavouring to use environmental resources more efficiently. “It’s a good match,” Tang says (out of the 100 or so organisations he wrote to seeking funding, it was the only one that replied).
    Decisions regarding land use, which crops to grow, and consumption of electricity or water are reached through discussions in which each member’s voice is heard and respected. Though democratic in principle, Tang says it’s more “consensus-based”. And while Another Community does not elect a leader or have a hierarchy, there is a division of labour. Wang is in charge of farming.
    Where he used to grow herbs in little pots in his Beijing flat, now he grows carrots, potatoes, beans and corn. He has to take scale into account, observe the weather, assess the fertility of the soil and find suitable crops. None of the members had any farming experience, so Wang took it upon himself to study agriculture, forestry cultivation and natural farming at the provincial univer­sity. Others are enrolled in classes that teach self-sus­tenance, including farming, sewing and how to safely work with electricity.
    The hardest part, says Xing, has been making their own clothes – growing fibre, spinning it into thread, weaving it into textiles and sewing a wearable garment. Xing set up a studio on the ground floor of a rented farmhouse, equipped with three looms that she built from scratch; a beam of sun­light hits the indigo-dyed threads as she rhythmically push­es the strings together. A shirt takes about two weeks to make, and that doesn’t include the time needed to plant, grow and harvest kudzu, a fast-growing vine whose fibre has been woven into fabrics for more than 5,000 years. In the past, commune members tried growing cotton, and bought yak wool from Tibet, but neither seemed sustainable.

    The meals they eat are another sign they have a long way to go. Rice for porridge is bought from a nearby organic farm, and though the dark-coloured, herbal liquor served after the evening hotpot is home-brewed, they rely on store-bought sauces and meat, purchased with savings or dona­tions. But this doesn’t faze them. It is a long-term project, and given the concrete lives they left behind, return­ing to nature was bound to take time. As Tang plunges his chop­sticks into the hotpot for a piece of spicy chicken, he explains that this hasn’t been his first attempt at creating a self-sustaining community.
    Around 2010, Tang lived in a small hut on Laoshan, a mountain located about 30km from Qingdao. On a slope often shrouded in mist, he learned about planting seasons and natural fertilisers; how to extract salt from seawater and brew his own vinegar, soy sauce and beer.
    “Another Land” inspired his Qingdao friends and attracted hundreds of volunteers, from univer­sity students to office workers, all curious about Tang’s attempt to be at one with nature. They made soap, crafted shoes and clothes, and installed solar panels and a self-made wind turbine. At times, they used a bicycle to generate electricity.
    Tang says that until they learned how to make their own cooking pots, their diet consisted largely of raw peppers, but despite the hardships, he was content and would look out on the land and contemplate the day’s achievements and failures with pride – a feeling he says he never had in Qingdao.

  • 人工智能挑选出东京最好的100家拉面店

    源自东京大学的初创企业TDAI Lab发布了“人工智能(AI)挑选的百家拉面名店”的东京都内版。据称由人工智能根据互联网上的评价,在剔除疑似“刷好评”和“恶意差评”的情况下进行了统计,选出了评价高的店铺。

    本次调查利用了“谷歌地图”网站上2019年1月1日以后东京都内拉面店的评价。剔除了人工智能判断为故意给出的高评价、以及被人工智能认定为只给差评的人的评价,提高了信息的可靠性。

    结果,评价居前100的店有“青岛食堂秋叶原店”和“拉面二郎云雀之丘站前店”等。不仅是日本全国有名的拉面店,还包含各地区的实力店铺。

    TDAI Lab公司认为,“由于互联网上的刷好评和恶意差评,消费者和餐饮店都在失去机会”。该公司将面向点评网站等推销自身的人工智能,力争第一年度有50家企业引进。该公司把东京大学准教授鸟海不二夫的研究室的研究成果推向商业化。

  • 包商银行市场化改革重组正推进 加强中小银行公司治理–央行报告

    中国央行周六发布的三季度货币政策执行报告称,包商银行接管托管工作进展顺利,第一阶段大额债权收购与转让工作顺利完成,第二阶段清产核资工作已基本完成,第三阶段市场化改革重组工作正在推进。

    报告指出,包商银行正常经营,未出现客户挤兑等群体性事件。实施接管发挥了及时“止血”作用,制止了金融违法违规行为。央行通过多种方式向市场投放流动性,通过货币政策操作及时稳定了市场信心,有效遏制了包商银行风险向其他中小银行蔓延。

    “以收购承接方式处置包商银行风险,既最大限度保护了客户合法权益,又依法依规打破了刚性兑付,实现对部分机构的激进行为纠偏,进而强化市场纪律,促进了金融市场的合理信用分层。”报告称。

    央行表示,下一步将会同有关部门继续完善包商银行改革重组方案。同时,抓紧补齐监管制度短板,加强中小银行股东管理和公司治理,推动中小银行健康发展。

    中国央行与银保监会于5月24日对包商银行实施接管。银保监会官员周二表示,包商银行正在进行清产核资和股东遴选相关工作,当前中小金融机构风险可控。

  • 密码保护:分析师观点:中国央行称加强逆周期调节 市场化改革降低实体融资成本

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  • 密码保护:美国企业认为即便经济整体前景黯淡 消费支出仍然可圈可点

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  • 没有马云的阿里巴巴会是什么样?

    阿里巴巴集团董事局主席马云于9月10日卸任。马云自1年前开始减持阿里巴巴股权,在内部推进大规模组织改革等,向公司内外彰显出新体制即将在自己指名为接班人的首席执行官(CEO)张勇领导下启动。阿里创立至今迎来20年,首次更替一把手能否顺利进行?

    在一年前的2018年,马云提名张勇为接班人前后,阿里内部开始出现“很奇怪,为什么马云的接班人不是出自创始成员”的不满之声。

    阿里巴巴1999年由包括当过英语教师的马云在内的18个伙伴“十八罗汉”创建。十八罗汉的说法源自佛教中把获得最高领悟的高僧称为十八罗汉。部分成员认为马云的接班人应从“十八罗汉”中选出。

    但是,马云本人认为接班人不考虑张勇以外的其他人,不受周围人看法的影响,在最近1年里,稳步推进了体制过渡的准备工作。马云相继卸任集团旗下5家公司的主要职务,全部移交给张勇等人。马云还推进出售自己持有的阿里股票。2018年6月马云的持股比例从7%降低至6.4%,最近更降至6.2%。

    马云青睐的张勇出生于上海市,大学毕业后进入美国会计师事务所普华永道的上海事务所。之后张勇在中国大型游戏公司担任首席财务官(CFO),马云听说了他的名声后,亲自出面交涉,2007年将他挖到阿里。

    阿里内部相关人士评价称,张勇不愧为会计领域出身,说话总是条理分明,很少看到他感情外露。张勇还被称为工作狂。他将家人留在上海,独自一人到杭州工作,住在距阿里总部约30分钟车程的喜来登酒店,不分早晚地发出工作指示。如果有必要,深夜也会召开会议。在属于巨型企业的阿里巴巴,张勇事必躬亲,几乎直接听取所有部门的汇报,被称为不亲自发出指示就不舒服的人。

    对于这样的张勇,马云起初并未打算让其成为自己的接班人。马云过去常说,CFO类型的人思维保守,当不了CEO。但是,张勇进入阿里后,不断改变贴在自己身上的“CFO类型”标签。

    策划如今成为中国最大规模促销、成为阿里代名词的“双11”并使之走上轨道,正是始于张勇2009年的提议。在淘宝存在假货,阿里面对来自消费者的逆风的2014年前后,张勇推动以高品质商品为卖点的天猫(TMALL)走上增长轨道,恢复了业绩。

    在主力的网购业务仍主要通过电脑下单的2013年,随着智能手机时代到来,张勇第一时间将经营资源投向智能手机APP的开发,让阿里成为网购市场上稳固的王者,这也给马云留下深刻印象。

    张勇于2015年出任CEO这一仅次于马云的职务。为了迅速带领阿里迈向新的增长,张勇推进大型并购,在最近几年里,用于并购的资金换算成日元已超过1万亿日元。大胆的经营手腕也获得马云的充分信赖,张勇成功争取到接班人的位置。

    受到期待的张勇为迎接日趋临近的一把手更替,如今进一步显示出进攻姿态。其中最具代表性的是最近亲自设立的由张勇领导的新机构“经济体发展执行委员会”。今后阿里将由该机构作出经营的重要决策。该机构囊括17位主要部门一把手,所有人都必须向张勇直接汇报业务情况。

    在出身于十八罗汉的6名主要高管中仅有1人进入新机构,5人“落选”。当然,入选成员中也没有马云的名字。卡里斯玛(Charisma,超凡领袖型)经营者离开的体制过渡的准备工作稳步推进。张勇领导的新体制的实力受到考验的日子到来。

  • 韩国6家航空公司7~9月全部亏损

    韩国6家航空公司2019年7~9月的合并财报截至11月15日均已出炉。所有航空公司的最终损益均为亏损。最大的大韩航空的最终损益为亏损2118亿韩元(2018年同期为盈利2678亿韩元)。7月以后的日韩关系恶化导致旅客往来减少,直接打击了各航空公司的业绩。

    大韩航空出现最终亏损(图由该公司提供)

    除了大韩航空、韩亚航空(Asiana Airlines)等大企业外,济州航空、真航空(Jin Air)、德威航空(Tway Air)、釜山航空(Air Busan)等4家廉价航空公司也出现最终亏损。

    大韩航空时隔4年出现亏损。营业收入比上年同期减少3.7%,降至3.283万亿韩元。日韩对立和香港局势的影响导致旅客人数减少,该公司针对10~12月表示,“经营环境仍很严峻”。正在推进出售手续的韩亚航空的最终损益为亏损2325亿韩元(2018年同期为盈利496亿韩元)。

    日本航线占到销售额2~4成多的廉价航空公司的情况更为严峻。济州航空7~9月的最终损益为亏损313亿韩元(2018年同期为盈利312亿韩元)。大韩航空旗下的真航空也亏损181亿日元(2018年同期为盈利187亿日元)。

    除了日韩关系之外,韩国国内经济低迷也对旅行需求的减少产生影响。受韩元贬值的影响,燃料费和飞机租赁费的负担增加,拉低了各航空公司的收益。今后,由于限制放宽带来的新竞争者,加上非上市企业在内,预计韩国的航空公司将由目前的8家增至11家,竞争也将变得更加激烈。

  • Jay-Z, Zhou Qunfei, Richard Branson – and other self-made billionaires who never even graduated from high school

    Entrepreneurs like Richard Branson and rapper Jay-Z have two things in common: both are wildly successful billionaires, and both never graduated from high school.

    But they aren’t the only billionaires who never so much as picked up a high school diploma. While a number of prominent college dropouts later became ultra-wealthy – particularly tech titans like Mark Zuckerberg and Bill Gates – it’s generally rarer for high school dropouts to become among the richest people in the world. But still, it does happen from time to time – as these examples each prove.

    Keep reading to learn more about five of the most prominent billionaires who also happen to be high school dropouts.

    Zhou Qunfei dropped out of high school at 16 to work in a watch lens factory

    Attending accounting classes at night, Zhou Qunfei saved up nearly HK$20,000 (about US$2,500) and eventually opened up her own watch lens company, run by herself and her family members.

    She is now the CEO of Lens Technology, which manufactures glass for brands such as Apple, Samsung and Tesla. In 2015, the company went public and Zhou’s stake in the business was worth US$7.2 billion, The New York Times reported that year.

    “I have encountered many difficulties and setbacks as an entrepreneur,” she said in an interview with CNBC Make It. “But the key to success is to persevere, especially during the most difficult times.”

    The self-made billionaire is currently worth about US$6.6 billion, according to Forbes real-time assessment.

    Amancio Ortega dropped out of school at 14 to begin running errands for local shopkeepers

    Francois Pinault, founder of the luxury group Kering, dropped out of school when he was 11 years old to work in his father’s timber mill

    Jay-Z attended the George Westinghouse Career and Technical Education High School but never graduated

    While he personally managed to find immense success after dropping out of high school, the role-model rapper encourages people to take their education seriously.

    “Education is super important,” Jay-Z said in a press conference for a performance at Carnegie Hall. “I don’t have a high school diploma or a college diploma, but still for me to articulate, I had to have some form of schooling to articulate my thoughts.”

    Richard Branson dropped out of high school when he was only 16 after struggling with dyslexia