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【篇一】畢馬威有關(guān)調(diào)查發(fā)現(xiàn) 中國CEO歡迎技術(shù)*
More than 90% of CEOs in China are confident about the growth outlook of their companies, a higher percentage than their global counterparts, a survey from KPMG showed last Tuesday.
KPMG's survey, which gathered responses from 1,261 CEOs worldwide, including 125 from China, revealed that over the next three years, two-thirds of China CEOs are predicting growth of 2% or more, while over the next year, 97% plan to increase their headcount, both ahead of their global peers.
"Focusing on innovation - including new products or services and ways of doing business" - was selected by most Chinese CEOs (64%) as a high-priority growth initiative over the next three years.
Other top growth initiatives are "increasing penetration in existing markets" (62%) and "penetrating new verticals" (47%), according to the survey.
Rather than focusing on mergers and/or acquisitions, China CEOs are planning to deliver on these growth initiatives by scaling up their own business operations and processes (60 percent), entering into collaborative partnerships/joint ventures (39 percent) and undertaking large-scale business model transformations (35 percent).
Compared with last year, more China CEOs (65 percent in 2017 vs 52 percent in 2016) expect their companies to be transformed into a significantly different entity over the next three years, driven by adopting new technologies; new business and operating models; and adopting new processes.
【篇二】譯文
畢馬威上周二發(fā)布的一項調(diào)查顯示，中國逾90%的首席執(zhí)行官(CEO)對自己企業(yè)的增長前景抱有信心，這一比例高于其全球同行。
畢馬威的這項調(diào)查收集了全球1261名CEO的回復(fù)，其中包括125名中國CEO。調(diào)查顯示，2/3的中國CEO預(yù)計未來3年企業(yè)增長將達(dá)到2%或以上；97%的中國CEO計劃在下一年增加雇員數(shù)量，這兩個比例均高于全球同行。
根據(jù)調(diào)查，大多數(shù)中國CEO(64%)選擇把"專注于創(chuàng)新，包括新產(chǎn)品/服務(wù)及經(jīng)營方式"，作為未來3年的高優(yōu)先級的增長計劃。
其他主要的增長計劃還有"增加對現(xiàn)有市場的滲透"(62%)和"進(jìn)入新的領(lǐng)域"(47%)。
相比起關(guān)注兼并與收購，中國CEO們正在計劃通過擴張自身業(yè)務(wù)運作和流程（60%）、建立協(xié)作的合作伙伴關(guān)系/合資企業(yè)（39%）和進(jìn)行大規(guī)模商業(yè)模式轉(zhuǎn)型（35%）來實施這些增長計劃。
與去年相比，受到采用新技術(shù)、新的商業(yè)和經(jīng)營模式以及新流程的推動，更多的中國CEO（2017年65%，2016年52%）預(yù)期其企業(yè)在未來三年會實現(xiàn)顯著轉(zhuǎn)型。
【篇三】美國的職場新人如何支配自己的收入
instein once said that the most powerful force in the universe was compound interest.
No one is in a better position to harness this force than those who have just started earning a regular salary. But popular wisdom tells you that it is just this demographic that has a tough time saving. Salaries are typically lower.
Here’s how that paycheck gets divvied up across the nation.
1. Housing (31.9%)
Among households in this age group, 61% are renting.
The average rent/mortgage check is $894 per month（60% of the total cost on housing）. Obviously, this figure will vary widely based on location.
The rest of the balance of housing money is devoted to utilities, household supplies, furniture, and appliances.
2. Transportation (16.3%)
This includes monthly payments for the purchase of new/used cars, which runs roughly $296 per month.
Last year, an average of $204 per month was spent on gasoline.
The rest is used on maintenance, insurance, and “other vehicle expenses.”
3. Healthcare (4.9%)
Here’s where it really pays to be young.
Healthcare spending is one of the only categories that consistently inches upward throughout life.
Of this total, 70% is used to cover insurance premiums, which likely means that employers are chipping in a significant percentage of the total cost of coverage.
4. Food (12.1%)
Typically, 45% is spent on eating out.
Meats, fish, eggs, fruits, and vegetables make up over 40% of the money that is spent monthly for food at home.
5. Entertainment (4.4%)
When you think about it, it’s a pretty good deal when you’re able to spend as much on entertainment as you do on healthcare.
I should note that these figures include the costs of pets, TVs, hobbies, and any type of event you might attend.
6. Pensions and Social Security (9.8%)
As you’ll see at the end, though, even with reduced benefits in the future, Social Security can play a key role in your retirement.
7. Education (2%)
Many will argue that this number should be higher. After all, the graduation is only a beginning. Your career just started and there's a lot of skills to acquire if you wanna get promoted and paid better.
8. Other (9.3%)
This covers a lot of different categories: clothes, alcohol, personal care products, cigarettes, donations, and even alimony payments. Lump all of them together and this is what you get.
That leaves the average household of 2 people with $423 per month.
This may sound like a lot or a little, depending on your point of view. But let’s put it in perspective. This is equivalent to saving $5,076 per year.
If we assume that a couple, aged 30, is able to put away this much every month until they retired at age 67, adjusted for inflation, and assuming a return of 9% (just below the stock market’s historical average), they would have an equivalent of $484,000 in their nest egg come retirement time.
Obviously, not everyone who reads this will represent the “average” household for this age group. There’s tons of variability.
If nothing else, a key takeaway should be that if you want to super-charge your savings, focus on the Big Three of housing, transportation, and food to leverage your efforts.
【篇四】譯文
愛因斯坦曾經(jīng)說過：宇宙中強大的力量就是復(fù)利。
而那些剛剛開始拿薪水的人，就是能從這股力量中獲利的人了。但是，眾所周知，這恰好就是那群不擅長存錢的人。而且他們的工資通常也不算高。
以下是一個普通美國人對自己收入的支配情況：
住房——占總收入的31.9%
在這個年齡的人當(dāng)中，61%的人是租房住的。
他們平均每月的租金或房貸是894美元（占住房總花銷的60%）。不過顯然，這個數(shù)字隨著地區(qū)不同而不同。
而住房花銷中剩下的那部分，用在了水電燃?xì)�、日用品、家具和各種小物件上面。
交通——占總收入的16.3%
這包括買車的錢以及車貸平均到每月的花銷，大概是296美元。（這對于中國的畢業(yè)生來講不太一樣，畢竟在中國還是以公共交通為主）
去年，在汽油上的平均花銷是204美元。
其他的部分花在了維護(hù)費用、保險以及其他交通花銷上。
健康——占總收入的4.9%
這就是年輕真正的好處。（健康方面可以少花錢）
健康是一個隨著年齡增長而花銷變大的門類。
而這里面的70%是花在了健康保險上面，所以基本上可以說是用人單位覆蓋了里面的大部分。（在中國的普遍情況就是公司交掉一半）
飲食——占總收入的12.1%
一般來講，這其中的45%是花在了外出就餐上面。
而在家吃的那一部分花銷里，肉、魚、雞蛋、水果、蔬菜等食材占據(jù)了40%。（剩下的可能是零食吧）
娛樂——占總收入的4.4%
仔細(xì)想一下的話，娛樂的花銷可以和健康花銷等量，還是一件挺劃算的事。
我要指出，這部分花銷包括了寵物、電視、興趣愛好以及其他一切你可能參與的活動。
社保、養(yǎng)老金——占總收入的9.8%
你們終會明白的，雖然這些東西以后的價值會變低，但社保在你退休之后還是舉足輕重的。（在中國，這部分一般是公司在發(fā)薪前就代繳了，而公司負(fù)擔(dān)其中大部分）
教育——占總收入的2%
很多人都覺得這一部分應(yīng)該更高一些。畢竟，畢業(yè)只是一個新階段的開始。你的職業(yè)生涯才剛剛起步，如果你想升職加薪的話，還有不少技能要學(xué)。
其他——占總收入的9.3%
這一部分包含很多門類：服裝、酒、個人護(hù)理產(chǎn)品、煙、慈善捐贈甚至贍養(yǎng)費。把它們?nèi)考悠饋砭褪悄隳茏杂芍涞哪且徊糠至�。（能存下來的大值�?/p>
這對于一般的家庭（兩口人）來說，就是每月423美元（約合人民幣2800元）
這在你看來可能算多，也可能算少。不過且讓我們用不偏不倚的視角來看看，這相當(dāng)于每年5076美元（約合人民幣34000元）。
如果我們假設(shè)，一對30歲的夫 妻，每月能存下這么多錢，一直存到67歲退休，然后假設(shè)他們的投資回報率是9%（剛好低于股票市場歷史回報率的平均值），再算上通貨膨脹，那他們在退休的時候就會有一筆484,000美元的財富（約合人民幣326萬元）。
不過顯然，并不是所有讀這篇文章的人都恰好是這個年齡段中的平均水平，變量是非常多的。
但拋開一切不談，重要的一點建議是：如果你想讓你的積蓄發(fā)揮大的價值，你應(yīng)該著重在住房、交通、飲食這三個大頭上面精打細(xì)算。
