2012年12月15日 星期六

那一張清秀略為蒼白的臉

馬克林(markyslin)

多年以前,我在SW科大(當時還是商專)授課,開學不久,就發現有位詹同學出勤不正常,問了班上同學才知道她罹犯癌症。

詹同學的病情一直不太好,但是十分用功,只要身體狀況稍有好轉,就會來校上課,並且認真聽課,下課也和同學有說有笑,功課也都還跟得上,記得期中考也還考得不錯,不過期中後,就比較少來上課,同學告訴我她住院了。

那天上課,詹同學依然未到課,同學告訴我,她走了,當時也不知道那來的靈感,在黑板寫了『心經』,請全班同學一同頌唸心經一部,助她一路平安。

看到現在學生的不用功,讓我又想到多年前的她,想到她那一張清秀略為蒼白的臉;想到她那深邃的眼神,好像有好多好多的話,但卻是欲言又止;想到她那面對病魔也無所畏懼,依然樂觀燦爛的笑容!

寫到這裏我的眼睛盡不住充滿淚水,兩行熱淚奪眶而出,不知所云!

天助自助者


馬克林(markyslin)

上週為TM科大學生的擔憂全都發生了,同學根本不會用Excel的規劃求解功能,甚至連最基本的Excel的函數都不會使用,真不知道一星期的時間,他們是在做什麼?為什麼不問老師?不問同學?不上網找資料?同學寧願抱怨:商業軟體老師没教!寧願寫不出答案!交不出作業!也不願多花一點時間去找答案。

我們常在街頭看到一些殘障人士在做小生意,大多是賣的東西少,價錢又貴,只是抱著:「我是經濟弱者,所以別人要幫我」的想法,由於東西實在賣得太貴,所以大家只能偶而買一次,當然他的生意也就不會太好。而有少數的人,則是賣的東西既多,價錢又合理,所以一般人都樂於向他購買,當然生意就會很好。

所謂天助自助者,自己都放棄自己的人,如何指望別人能幫你!

2012年12月11日 星期二

南韓變「三星共和國」人民反感


[評析]三星這個最大財閥,一定是幹了不少的壞事,才會讓南韓民眾說出三星共和國的氣話!
【聯合報編譯李京倫/報導】2012.12.11 03:01 am

華盛頓郵報報導,南韓三星集團的業務範圍包山包海,有些南韓人甚至說,南韓已成為「三星共和國」,人們可能活在「三星生活圈」裡:用三星信用卡買三星電視,放在三星建造的公寓客廳裡,收看三星旗下的職棒球隊出賽。

三星是南韓最大財閥、最亮眼的經濟奇蹟,近年卻引發重大爭議。經濟學家、中小企業主與某些政治人物控訴三星權勢薰天,影響力幾乎跟政府一樣大。

在南韓國內生產毛額(GDP)中,三星就占了約兩成。從鋪路、鑽油、經營飯店、開遊樂園、賣保險、製造Galaxy智慧手機與蘋果iPhone 關鍵零組件,三星在南韓就像巨獸,無所不在。

批評者指出,三星挾著龐大優勢進入新產業,擠壓中小企業的生存空間,讓韓國消費者的選擇越來越少,有時還與其他財閥聯手壟斷價格,並欺壓調查人員。韓國知名經濟類電台節目主持人吳碩勳說:「你甚至可以說,三星董事長李健熙的權力比總統李明博還大,在韓國人看來,法律已不能節制三星。」

南韓在歷次民主國家政府清廉程度排名中相對落後,一般認為,南韓政府與大財團傳統上的緊密關係是南韓經濟成長的助力。

然而最近幾年,三星阻止官方調查它壟斷價格,卻只被處以輕微罰款;此外,李健熙曾因背信罪被判刑,李明博卻為了申辦二一八年冬季奧運、「顧及國家利益」而特赦身為國際奧會委員(但資格被暫停)的李健熙。這些事讓南韓人對三星更加反感。

這次南韓總統大選的主要候選人同聲主張要防止財團交叉持股,不讓少數家族掌控多種產業。

執政黨新世界黨候選人朴槿惠其父故總統朴正熙一手建立財閥體系,朴槿惠親商立場其來有自。但極左派候選人李正姬說,「三星掌握了司法、媒體、學術界與政界,整個政府在它手中」。

In South Korea, the Republic of Samsung

By Chico Harlan, Dec 10, 2012 02:04 AM EST


The Washington Post Published: December 10


SEOUL — So sprawling is Samsung’s modern-day empire that some South Koreans say it has become possible to live a Samsung-only life: You can use a Samsung credit card to buy a Samsung TV for the living room of your Samsung-made apartment on which you’ll watch the Samsung-owned pro baseball team.
Samsung is South Korea’s greatest economic success, and, more recently, the subject of major controversy. Economists, owners of small- and medium-size businesses, and some politicians say Samsung no longer merely powers the country but overpowers it, wielding influence that nearly matches that of the government.

Debate over how to curb the size and power of Samsung and other family-run conglomerates has become the key issue in South Korea’s Dec. 19 presidential election, with polls showing that about three in four voters say they feel negatively about the country’s few behemoth businesses. Candidates are sparring over how far to go to constrain them.


Samsung draws the greatest scrutiny because it is by far the largest chaebol — the Korean term for corporate groups that were jump-started with government support — and because it is wildly prosperous as the rest of the economy slows down. The conglomerate contributes roughly a fifth of South Korea’s gross domestic product.

Some Koreans call the country “The Republic of Samsung.”

Famous globally for its electronics, Samsung would be one of the largest conglomerates in almost any country. But within its tiny home country, the size of Virginia, it acts more as a do­-everything monolith, building roads and oil rigs, operating hotels and amusement parks, selling insurance, making not only the world’s best-selling smartphone, the Galaxy, but also selling key components to Apple for the iPhone — even as the two battle in a series of lawsuits.

In its domestic market, Samsung is far ahead of Apple. Only one in 10 South Korean smartphone users has an iPhone. (Samsung holds about 33 percent of the global smartphone market, while Apple accounts for about 17 percent. In the United States, Apple controls 34.3 percent of the smartphone market. )

Critics say Samsung elbows into new industries, knocking out smaller businesses, limiting choices for Korean consumers and sometimes colluding with fellow giants to fix prices while bullying those who investigate. They also see in Samsung the picture of closed-door wealth, a family affair in which Chairman Lee Kun-hee is passing power to his son.

“You can even say the Samsung chairman is more powerful than the South Korean president,” said Woo Suk-hoon, host of a popular economics podcast. “Korean people have come to think of Samsung as invincible and above the law.”

A reversal of opinion

That sentiment has intensified in recent years, a period during which Samsung has obstructed price-fixing investigations — drawing only minor fines — and seen its chairman indicted for financial crimes, only to receive a presidential pardon “in the national interest,” as a government spokesman put it.

South Korea ranks poorly among democratized countries in corruption rankings, and the traditionally cozy ties between government and the biggest companies were widely seen as the enabler of the country’s economic rise.

But Lee’s pardon, in late 2009, helped lead to a reversal in thinking. It came at a time when President Lee Myung-bak — a former chaebol man who has kept policies in their favor during his five-year term — was pushing South Korea’s bid for the 2018 Winter Olympics.

The president thought the Samsung chairman, a member of the International Olympic Committee, could help. Once his record was cleared, Lee in 2010 took 11 trips worldwide while working for the bid. The town of Pyeongchang eventually won the rights to host the Games — a $20 billion boon for the economy, according to one research institute’s forecast. Though South Koreans rejoiced over the selection, announced in July 2011, the IOC’s choice did little to soften most citizens’ negative opinion about Lee’s pardoning.

South Korea’s leading presidential candidates say the country has been far too lenient in how it treats its richest men. Chaebol executives who commit crimes should be punished harshly, they all say, with no chance for such redemption.

The leading candidates say South Korea should prevent conglomerates, Samsung included, from weaving their various companies together in what’s known here as “cross-shareholding,” a controversial ownership structure in which a family concentrates its shares in a few core companies, then passes investment to other affiliates within the group. The arrangement allows families to control a broad range of businesses, even those in which they hold few, if any, shares.

Though there is broad agreement about some reforms, the level of concern about chaebol differs across party lines. The position of conservative candidate Park Geun-hye is that the conglomerates are merely unruly — a notable view in itself, given that Park belongs to Lee Myung-bak’s pro-business ruling party, and that her father — dictator Park Chung-hee — built the chaebol system after taking power in a military coup in 1961. Park Geun-hye said recently that chaebols often steal technology from smaller innovators and force unfair pricing on suppliers.

“In the economic area, we have emphasized the concept of efficiency, and in some sense, we haven’t paid enough attention to the concept of fairness,” she said.

But the opinion on the far left is that chaebols, particularly Samsung, hold a dangerous level of influence. That viewpoint caught traction after a former Samsung counsel, in 2007, accused the conglomerate of systematically distributing money from a slush fund to influential figures. In the ensuing probe, a special investigator found no evidence of bribery but did uncover the financial crimes for which Lee, the chairman, was later pardoned.

“Samsung has the government in its hands,” Lee Jung-hee, a liberal presidential candidate with virtually no chance of winning, said in a nationally televised debate Tuesday. “Samsung manages the legal world, the press, the academics and bureaucracy.”

Driven to evolve

Samsung, which began in 1938 by exporting vegetables and dried Korean fish, became a budding power after an alliance was forged between its founder, Lee Byung-chull, and the military dictator, Park, who controlled the country’s banks and determined who got loans.

But the conglomerate thrives now in part because it makes good products — an important point for South Koreans, who are deeply competitive and see in Samsung some of the traits they want for themselves: ambition, speed, and the ability to adapt and stay on top.

A majority of chaebols haven’t survived. Fourteen of South Korea’s 30 largest companies were wiped out during the 1997 Asian financial crisis.

But Samsung has been steadily growing for decades. It operates 79 subsidiaries, more than twice what it did 25 years ago. Its size relative to South Korea’s economy has also grown: The conglomerate accounts for 28 percent of the nation’s exports, twice its share in 1987.

A powerful Samsung is healthy for the country, corporate spokesman Kevin Cho said, because it makes “major contributions to Korea’s exports, tax revenue and employment.” Cho also emphasized that Samsung is a global player, not a just a domestic one. In 2011, 84 percent of its electronics revenue was generated outside Korea.

Samsung has prospered on the strength of its electronics company, which has made a decade-long run of smart bets on tiny batteries, low-cost flat-panel TVs and smartphones. While Japanese companies fixated on ornamental and pricey home electronics, Samsung purchased proven technology and quickly began producing cheaper — and high-quality — versions. In the case of smartphones, such a strategy has led to a global patent war with Apple, Samsung’s top competitor. But it has also turned Samsung, once a non-factor in the mobile phone market, into the world’s leading producer in three years.

The Samsung Group makes a point of never doing any one thing for too long, and Lee Kun-hee says frequently that his employees should feel a sense of permanent crisis. Even in its glossy corporate profile, Samsung sounds alarmist. “The positions we currently hold will be obsolete and untenable 10 years from now,” Samsung says. “Across global business, attachment to laurels is folly.” The group is investing billions in green technology, medical equipment and pharmaceuticals.

Samsung is a “survivor” of competition, said Lee Cheol-haeng, head of the corporate policy team at the Federation of Korean Industries, which lobbies for large-size businesses.

“Many Koreans right now have dual minds about chaebols,” Lee added. “They say, ‘I hate chaebols, but I want my son to work for one.’ ”

Yoonjung Seo contributed to this report.

役男4月軍訓入伍和專長各8週

[評析]以後可以不必當兵了!83年以後出生的男生只要在大一、大二暑假各參加8週之訓練即可,合計只要4個月!

【聯合報記者許紹軒/即時報導】2012.12.11 07:40 pm

國防部參謀本部作計室軍事訓練處處長李兆明少將今天表示,自明年起徵集民國8311日以後出生,年滿18 (經徵兵檢查合格)役男接受4個月常備兵役軍事訓練後,納後備役編管,戰時則可迅速動員協力保鄉、保土,以確保國家安全。

他說,軍事訓練區分入伍訓練8週、專長訓練8週,共計16週訓期。其中入伍訓練:在使役男由民轉兵,培養軍人特質,學習基本戰鬥技能為主,施予8週入伍訓練,達到「合格步槍兵」目標。

一般役男依徵集梯次排定進訓流路實施;大專役男可選擇於大1(專3)下學期暑期接受入伍訓練 (8)或選擇畢業後接受軍事訓練,其作法與一般程度役男相同。

他表示,專長訓練以培養軍種兵科專長職能為主,施予8週初、中級專長訓練,使達到「合格專長兵」為目標。一般役男於入伍結訓後至各兵科學校接續實施專長訓練;大專役男於大2(專4)下學期暑假接受專長訓練。

2012年12月10日 星期一

台經院:明年GDP回升到3.42%



[解析]明年景氣普遍看好,投資就業都可做必要之準備。

【經濟日報╱記者葉小慧/台北報導】2012.12.10 03:06 am

展望2013年,台灣經濟研究院景氣預測中心主任孫明德表示,全球經濟可望回溫,但復甦動能仍顯薄弱,研判全球貿易成長率可望較今年提高1個百分點,帶動台灣出口及投資成長,內需消費也能因此擴張。

經濟日報與台灣經濟研究院將於19日合辦「經濟投資展望論壇-看見希望的2013」,為新年度的經濟情勢把脈。孫明德認為,台灣2013年仍受制於國際因素表現,短期內,不易恢復明顯擴張態勢,但經濟成長率會改善,預估2013年回升到3.42%。

孫明德分析,經濟成長率回升一方面是2012年基期數據較低,另一方面,則是2013年世界經濟可望回溫,全球貿易成長率高於2012年,貿易帶動出口及投資成長,帶動內需消費擴張所致。

國際經濟方面,孫明德說,歐債問題短期仍無法根本解決,美國面臨財政懸崖,大陸經濟前景也未明朗,影響2013年全球及各主要國家經濟表現。根據各主要機構的預測,美國可能因財政支出減少,2013年經濟成長率年減0.2到0.3個百分點;重建支出高峰已過的日本,將年減約1個百分點。不過,大陸在領導階層調整後,可能提出新經濟振興政策,2013年表現將優於今年;歐盟有望恢復成長,只是力道仍弱。

國內部分,孫明德認為,民間消費雖受限結構性因素,不易解決,但國際景氣回溫,有助消費趨於穩定;內外企業投資意願均已提升,2013年民間投資將轉正成長。

2012年12月8日 星期六

學生總是不瞭解老師的辛苦


馬克林(markyslin)

記得去年到CH科大參加財金系課程規劃研討,老師們為學生的課程絞盡腦汁,有人說多輔導學生考取證照,有人說多講解財經實務,有人說多作基礎練習,說著說著….多數老師都說學生不夠用心,總是不瞭解老師的辛苦。

本學期的TM科大財務風險管理課,學生老是不自己寫功課,全班七十多位學生,每次作業大概只有三到五種版本,也就是只有三到五位同學寫,其他七十位同學只是負責「抄」。期中考考得很差,考後檢討,老師答應要改善的地方共有七項,同學要改善的只有一項『復習』,但考後作習題還是老樣子,真讓人著急!

星期四上課,只給每位同學一題作業,下課後有一位同學來問我作業如何寫,回家看了課本作者給的資料,卻沒有詳細的解答,為了答復他的問題,星期五我幾乎用了一大半夜,利用Excel的規劃求解功能,解四元聯立方程式,但一直無法解出答案。

今早一起床就開電腦,看了很久也試了很多次,終於發現原來是公式中有一個錯誤,錯誤找到後,當然一下就有解了,但是解答和課本作者不太一樣,只好多加驗證,到了十一點多才搞定,寫了簡要的說明並Mail給提問的同學,才鬆了一口氣!

不知道這次的作業同學會不會做?是否也和我一樣有公式設錯的問題?或根本不會用Excel的規劃求解功能?希望同學能自己做功課,更希望同學遇到困難時,能跟老師討論。