降低的价格

On the basis of an analysis of the present profile of automobile consumer credit in China,a discussion is done on the meaning of its development. This thesis introduces the development of the market of automobile consumer credit overseas, and finds out the reasons why overseas automobile consumer credit leads to the successful development of automobile industry. It also analyses the causes of the slump in the market of automobile consumer credit in the country in aspects of influential elements such as economy,policies,society,consumption norms and so on. It has a deep discussion on some obvious problems in this field. For example,the market of automobile consumer credit is of no scale; the prices of automobiles are high; taxes are heavy and expenses are too much; average residents still have low income and no definite balance between income and predicted expenses; there is no perfect social credit system and individual credit system; there is not enough awareness of credit among the public. Taking theories in the area of industrial economics into consideration,it proposes basic measures of promoting the development of consumer credit in China: building up a credited society,a perfect and sound personal credit system.With credit database as the platform,all parties will be able to share information,improve the credit database,relevant regulations and laws as well as a risk warning system,thus operation and management of the operating entities will be improved,the cost of the practice of consumer credit will be reduced; strengthen the innovation of present financial system,develop financial products corresponding to different groups of customers,improve services,perfect the mode of "bank+insurance+automobile agents",make full use of the interne,adopt the practice of turning credit into securities.

本文在我国现阶段汽车消费信贷现状分析的基础上，对大力发展汽车消费信贷的意义进行了讨论；通过分析国外汽车消费信贷市场的发展概况，解析出国外汽车消费信贷促进汽车产业发展成功的原因；从影响汽车消费信贷市场发展的有关因素如经济环境、政策环境、社会环境和消费习惯等方面分析了我国汽车消费信贷市场现状低迷的症结所在；对中国汽车消费信贷市场的一些明显问题，如汽车消费市场尚未形成规模，汽车价格偏高，税费和使用费用负担沉重，相对较低的居民收入与预期收支不确定，社会信用体系尚未建立，个人信用制度缺失，公众信用意识淡薄等方面进行了深入探讨；立足于产业经济学理论，提出了构建信用社会，建立健全和完善个人信用体系，建立个人资信评估机构和登记制度，引入专业的资信中介机构，以信用数据库平台为基础，各方共享资源，组建客户信用数据平台，完善法规制度建设，建立健全汽车信贷消费的法律体系，建立风险预警机制，提高汽车消费信贷经营主体的经营管理水平，降低汽车信贷业务成本，加大金融制度创新的力度，开发适合不同消费群体的金融产品，提高服务质量，完善"银行+保险+汽车经销商"的汽车信贷模式，充分利用互联网、实行贷款证券化等促进我国汽车消费信贷发展的基本措施。

In Ajit Jain, we have by far the best manager in this business.

值得注意的是，近年来愿意接受再保业务的供给量大幅增加，再保业者总共募集了近 50 亿美元的资金来进军这类业务，且大部分都是新成立的公司，很自然的这些新进的业者急欲承接业务以证明当初他们吸收资金时所作的预估，这些新加入的竞争并不会影响我们 1994 年的营运，因为我们早已经接满了生意，主要是在 1993 年签下的，不过我们已经看到保费价格有恶化的趋势，如果这种情况持续下去，我们将会大幅降低承接的业务量，但随时准备好接下大型且复杂的保险业者所欲寻找确定能够理赔损失的保证。

Some readers have asked me to buy his girlfriend a high-grade lavender fabric bed, but not everywhere match dresser, as a modern-style furniture, vanity plate can significantly reduce the overall grade of this fabric bed, journalists run for two days, barely able to match that is on a European-style neo-classical and pastoral style of the few Korean models, while the Korean-style garden with the best combination or style of bed, European-style neo-classical style furniture, the price again not that he could bear.

有读者问我，他女朋友买了一款中高档的薰衣草布艺床，但到处配搭不到梳妆台，因为现代风格的板式家具的梳妆台明显只能降低这款布艺床的整体品位，记者跑了两天，勉强能配搭上的也就是欧式新古典和韩式田园风格不多的款型，而韩式田园风格的最佳配搭还是同风格的床，欧式新古典风格的家具价格又不是他能承受的。

Under the perfectly free trade, outsourcing can make more profit than inhouse does no matter how big the products substitutability is while under the government's optimal trade policy, while subsidizing or tax the intermediate input productor, depend on the difference of products substitutability. If products substitutability is big, government would offer subsidy definitely, but if the substitutability of the products is very small, the government would not subsidize them but tax instead.

在完全自由贸易下，就本国与外国对於要素的需求而言，无论产品替代性大小皆为外购会比自己内制生产的利润还要大；政府的最适贸易政策下，政府对於厂商要素的补贴与否，端视产品替代性的大小，产品的替代性愈大，无论如何政府皆给予补贴，但如果产品的替代性很小，则政府不但不补贴，反而将会对於厂商课徵税额；而对於第三国进行最终财课税，将会使第三国进口的要素价格降低，达到抑制的效果。

Our company has independent intellectual property rights are the production of high voltage current-limiting fuse electrical companies, more standards, more professional, better, more intimate, down-to-earth every process, every element of our reliable, fault-free, the company produces the "; SkyTeam "brand high voltage current-limiting fuse is your ideal choice, the following are 35KV transmission and distribution equipment essential accessory products, with the load switch, contactor with the use of expensive alternatives are the ideal circuit breaker products, can greatly reduce the cost of substation.

本公司是生产具有独立知识产权的高压限流熔断器的电器公司，更标准、更专业、更完善、更贴心，每一过程都扎实，每一环节都可靠，无纰漏，本公司生产的&天合&牌高压限流熔断器是你理想的选择，是35KV以下输配电设备必不可少的配套产品，其与负荷开关、接触器配合使用，是替代价格昂贵的断路器的理想产品，可大大降低变电站的费用。

The user cares the price most, for occupational market share, hit price war unavoidable greatly, beg only short-term inside the can consider whole industry far from long-term development of quick profit, how to reduce cost to become them the object; of first consideration develops for a long time to beg, be obliged big burn money, exert all over small service of value of lax number do one's best is good, however this kind also is most dangerous, have a bit inadvertent, cross much gloomier ending in order to be in debt, bright net is; still has a real case a kind, because do not superintend what reach the designated position and be closed to stop by telecommunication, be like violet cropland network.

价格是用户最为关心的，为了占领市场份额，大打价格战在所难免，只求短期内快速赢利的根本不会考虑整个行业的长期发展，如何降低成本成了他们首要考虑的对象；为求长期发展的，只得大把烧钱，使出浑身懈数力求价低服务好，然而这类也是最为危险的，稍有不慎，便以负债过多惨淡收尾，明网便是个活生生的例子；还有一类，因为监管不到位而被电信关停的，如紫田网络。

Although since April, the central government gradually introduced the project in real estate development investment in fixed assets capital ratio increased to raise the deposit reserve ratio of investment in fixed assets inventory and so a series of macro-control policies, but because of management on house prices led to an ambivalence on the property control of an ambiguous situation, since a few months to tighten the supply of land and funding efforts, not only did not reduce the price, but also as a result of conflicts between supply and demand, making most of the country housing prices are not risen instead of fallen.

虽然4月以来，中央政府逐步推行该项目的房地产开发固定资产投资资本比率增加，提高存款准备金率，固定资产投资清查等等一系列宏观调控政策，而是因为管理上的房价导致了矛盾的财产控制的一种模棱两可的情况，因为几个月后，为了加强土地供应和资金的努力，不仅没有降低，而且由于供应和之间的冲突需求，使该国大部分地区的住房价格没有上升而不是下降。

Based on the model of Shapiro Carl (2000), this paper analyses the actions of the complementary patent holders by game theory, and makes a further comparative analysis of the impact of product market. The research shows that the patent pool can enhance the profits of patentees because of the presence of the coordination and restraint mechanism, reduce the cost and price of product, increase the outputs and raise social welfare.

本文以Shapiro Carl(2000)的模型为基础，从博弈论的角度对互补性专利持有企业的许可行为进行了研究，并将其对产品市场的影响作了进一步的比较分析，研究表明：专利联盟内的协调、约束机制的存在是企业的获得较高许可收益的保证，并且联盟可以提高产品市场的均衡产量，降低单位产品的成本和价格，改善社会福利水平。

The big eared hedgehog, the little owl, the sand gecko, the three-toed jerboa, and every show needs a villain - saw-scale - the viper!

大耳刺猬，小猫头鹰，沙壁虎，三趾跳鼠，每场戏都需要反派角色：蝰蛇。

Plasmodiophora brassicae ; resting spores ; density gradient centrifugation of sucrose ; ultrasonic disruption

根肿；休眠孢子；蔗糖密度梯度离心；超声波破碎