多项选择题

个人理财业务相关主体有（　　）。

A.个人客户
B.股份有限公司
C.商业银行
D.非银行金融机构
E.监管机构

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This is not a good time to be foreign. Anti-immigrant parties are gaining ground in Europe. Britain has been fretting this week over lapses in its border controls. In America Barack Obama has failed to deliver the immigration reform he promised, and Republican presidential candidates would rather electrify the border fence with Mexico than educate the children of illegal aliens. America educates foreign scientists in its universities and then expels them, a policy the mayor of New York calls “national suicide”.This illiberal turn in attitudes to migration is no surprise. It is the result of cyclical economic gloom combined with a secular rise in pressure on rich countries’ borders. But governments now weighing up whether or not to try to slam the door should consider another factor: the growing economic importance of Diasporas, and the contribution they can make to a country’s economic growth.Diaspora networks-of Huguenots, Scots, Jews and many others-have always been a potent economic force, but the cheapness and ease of modern travel has made them larger and more numerous than ever before. There are now 215m first-generation migrants around the world: that’s 3％of the world’s population. If they were a nation, it would be a little larger than Brazil. There are more Chinese people living outside China than there are French people in France. Some 22m Indians are scattered all over the globe. Small concentrations of ethnic and linguistic groups have always been found in surprising places-Lebanese in West Africa, Japanese in Brazil and Welsh in Patagonia, for instance-but they have been joined by newer ones, such as west Africans in southern China.These networks of kinship and language make it easier to do business across borders. They speed the flow of information. Trust matters, especially in emerging markets where the rule of law is weak. So does a knowledge of the local culture. And modern communications make these networks an even mor

A.Theyreturnhomewithknowledgeandcontractstosetupnewbusinesses
B.Theyhelpcompaniesintheirhomecountryoperateintheirhostcountry
C.Theyworkharderforlesspay
D.Theyhelptoachievealowerunemploymentrate

单项选择题

（）首次对银行理财产品的销售建立了行业监管规范。

A.中国银监会
B.中国证监会
C.财政部
D.中国人民银行

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