Oil prices have risen, coal prices have risen, electricity prices have risen ... energy prices have "risen". In recent years, the energy problem has been a hot social issue. How to solve the energy crisis and its series of problems has brought a severe test to China government and China enterprises.
With the formal implementation of the Renewable Energy Law in 2006, new energy sources such as wind energy and solar energy have brought a glimmer of light to the severe energy situation. Experts believe that due to a series of problems such as technology, the energy-saving industry has ushered in new development opportunities and has become the primary measure for China to face up to energy problems.
Energy prices are "rising"
For 2005, the rise in oil prices has been a hot spot. Saudi Arabia and Iran, the two largest crude oil producers of the Organization of Petroleum Exporting Countries, are facing a series of problems, such as the threat of terrorism and the rising nuclear issue, which have led to the rise of international oil prices. The rise in international oil prices directly leads to the rise in domestic oil prices. The price of gasoline in China has risen from 2 yuan per liter in 2002 to 4 yuan now.
Since 2003, the price of coal in China has also risen sharply. In 2005, the price of coal in China increased by about 20% compared with that in 2004, and now the price per ton of coal exceeds that of RMB in 300 yuan. The rise in coal prices directly leads to the rise in electricity prices. The "coal-electricity dispute" has intensified. At present, coal prices have shown signs of rising, and it is almost inevitable that electricity prices will rise.
The prices of oil, coal and electricity are all rising, but with the rise of energy prices, many industries such as transportation, metallurgy, petrochemical, light industry, fishery and agriculture are affected to varying degrees. Experts believe that rising energy prices will lead to a decrease in consumption and investment, which in turn will affect national economic growth.
Open source or cut expenditure?
The survey shows that China has become the largest coal consumer and the second largest oil and electricity consumer. Faced with such a severe energy problem, how will China face it?
Experts pointed out that we must consider from two aspects: first, open source, that is, by increasing energy supply, alleviate the current energy shortage. The second is throttling, which saves limited energy consumption by adopting advanced energy-saving equipment and perfect energy-saving scheme. In terms of open source, our form is not optimistic. First of all, for a long time, the demand for energy will continue to rise, which brings a severe test to China's economy. Secondly, relying on the development of new energy and renewable energy to increase energy supply has little effect in the short term. In June this year, 65438+ 10 1, the Renewable Energy Law was formally implemented. New energy sources such as wind energy and solar energy have brought a glimmer of light to the severe energy situation. However, due to a series of problems, such as the special demand of new energy sources such as wind energy and solar energy for the region and the environment, and the technical barriers of new energy sources, new energy sources are still "far away from water, unable to solve near thirst", which is far from meeting the energy demand of economic development.
In terms of reducing expenses, someone has calculated an account. According to the current level, in terms of power saving, China's power saving per 1% is equivalent to 8 billion yuan (calculated by the average 0.5 yuan per kWh), and the benefits are considerable. According to the survey, China's energy utilization efficiency is only about 30%, which is about 10 percentage point lower than that of developed countries, and the output energy consumption is more than twice the world average. China has become one of the countries with the highest energy consumption in the world. From this, we see the urgency of energy-saving cause and huge energy-saving space.
Zhang Wei, deputy director of the National Bureau of Statistics, believes that in the current situation that new energy sources cannot meet the energy demand, in the face of rising energy prices and demand, saving the whole people will be the most effective way to face the energy problem directly. Building a resource-saving society has also been formally written into the Eleventh Five-Year Plan, which has brought new opportunities for the development of energy-saving industries.
Enterprises are both opportunities and responsibilities.
Enterprises are the main body of economic development and bear the brunt of energy problems. For the manufacturing enterprises that consume the most energy and have the greatest relationship with energy conservation, the energy problem has brought new opportunities and challenges. Experts believe that improving the energy-saving awareness of enterprises and strengthening the development of energy-saving products will be the fundamental way to vigorously develop energy-saving industries and solve energy problems.
More and more enterprises in China have realized the seriousness of energy problems and taken effective measures. From June 5, 2005 to February, 2005, Lonon Group successfully cooperated with Honeywell Company of the United States. According to the reporter, the energy-saving and environmental protection advantages of Honeywell products are recognized in the world. Through the cooperation with Honeywell, Longneng will gain the right to operate its brand in China and learn its advanced energy-saving and environmental protection technologies. Almost at the same time that Lonon successfully joined hands with Honeywell, Lonon's energy-saving lighting products won the title of "National Inspection-free Products". It is understood that the energy-saving products of the three major industries of Lonon, such as intelligent switch, plug-in card to get electricity, acousto-optic control ceiling lamp, energy-saving lamp, bracket series, low-energy ventilator and so on. , has long been well-known in the market. Lonon also invests a lot of scientific research power every year, and continues to devote itself to the development of energy-saving products, thus promoting the development of energy-saving industries.
Experts believe that with the intensification of the energy crisis and consumers' demand for energy conservation, the energy conservation industry has undoubtedly ushered in new opportunities for rapid development. For enterprises, what is important is how to really seize this opportunity, and some energy-saving enterprises with strong technology and strong brands will stand out.
Enterprises and society should develop harmoniously. With the energy problems caused by rising energy prices, energy-saving industry is not only an opportunity for enterprise development, but also a social responsibility for enterprises.
Mr. Fang is a college graduate and has come to work in Hangzhou from other places. I am 30 years old and have worked for 5 years. He has a hobby of smoking. Both parents have pension and medical insurance, and they are in good health and don't need to take care of them in the short term. In addition, Mr. Fang recently entered the "love season", and the cost of love is relatively high.
Basic financial situation: Xiao Fang is currently engaged in financial work in a foreign company in Xiasha Economic Development Zone, with an average monthly income of 8,000 yuan, 40,000 yuan in bank deposit and 40,000 yuan in stock market value. However, he has been quilted and lost nearly 20 thousand yuan. There is an economical car, and there is maintenance fee.
The monthly fee is about 800 yuan, the monthly rent is 1 1,000 yuan, the daily living expenses are 1, and the communication fee is 3,200 yuan in 800 yuan. Unforeseen expenses are in 500 yuan every month.
Security: The company has social endowment insurance and medical insurance, and can receive a monthly pension at the age of 60 1200 yuan. There is no commercial insurance.
Short-term life goals: I plan to get married in two years and travel abroad when I get married; I'm going to buy a two-bedroom house before I turn 33.
Favorite investment model: risk preference.
For a bachelor in love like Mr. Fang, how should he manage his money to maximize his assets?
expert opinion/advice
From the analysis of Mr. Fang's family finance, Mr. Fang's personal economic situation has the following characteristics, belonging to the middle and high income group. At the same time, from the perspective of expenditure, he belongs to a high consumption group. In the end, only 700 yuan's wealth accumulates every month, which is less than 10% of the monthly income, and the accumulation is obviously low. If you buy a house and get married two years later, it will greatly increase the fixed expenditure of the family and increase the economic burden in the future.
However, Mr. Fang and his parents have basic protection and insurance, so they have no worries. Mr. Fang has a certain sense of investment and risk tolerance.
Through the above analysis, it is suggested that Mr. Fang should "do both" in controlling consumption and investing in financial management. This will ensure that he can easily have love and a house. The suggestions are as follows:
○ Give full play to potential, open source and reduce expenditure.
Mr. Fang may not be able to use all his skills in his present job, or he may have extra energy after finishing his work. It is suggested that he overcome inertia, give full play to his potential and use the financial knowledge he has learned to do a second job. There are many small and medium-sized enterprises in Hangzhou. Mr. Fang can use his working experience in foreign companies to be a part-time financial consultant for these small enterprises, or he can consider taking part-time classes in some vocational high schools. This is a rare experience in his bachelor period, and at the same time he can accumulate rich knowledge and considerable capital.
Open source is important, but throttling is also indispensable. At present, only 700 yuan accumulates monthly, accounting for less than 10% of the income. This accumulation method is obviously difficult to adapt to the huge expenditure after two or three years. Therefore, it is suggested to save money as much as possible without affecting the quality of life. First of all, you can consider quitting smoking, which is very beneficial to your health and saving money; Secondly, reasonably reduce social spending and increase the ratio of monthly savings to income, at least above 25%, that is, accumulate 2000 yuan per month.
○ Multi-party investment broadens financial opportunities.
As a typical wage earner, Mr. Fang is in the early stage of his career and doesn't have much time and energy to manage his own stocks. In addition, the stock market has been in a bear market in recent years, which is bound to lead to his stock investment failure. Instead of blindly investing in the stock market, it is better to let experts manage money.
Although there are many types of funds, equity funds and money market funds are more suitable for Mr. Fang. In the overall investment scheme, stock funds are the main ones, supplemented by money funds, and you can choose to actively grow stock funds and set up money market funds. Specifically, you can invest nearly 60 thousand yuan in stock funds, and you can buy money market funds at 2000 yuan a month, and then turn them into stock funds regularly in proportion, using compound interest investment.
In addition, assets can be divided into several parts, which are invested in insurance, national debt, stocks, fixed savings or insurance, current savings, venture capital and other combinations. This can not only take care of urgent money, but also preserve and increase value.
Through this gradual accumulation and investment, it is estimated that the future total assets will be around 200,000. In this way, Mr. Fang can not only reap the fruits of love in three years, but also buy a two-bedroom apartment in the suburbs with a down payment of less than 700 thousand.
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