Q:Good morning!
A:Good morning.Can i help u?
Q:Yes,I’m holding some shares of PICC I want to know some present information about the company.
A: U know, last Monday,an earthquake broke.Chinese insurance firms have paid 1.7 million yuan in earthquake-related claims as of May 14. But,nobody knows what the total damages will be. This payment will drag down the companys’ earnings indeed.
As a result,these companys’stock may go down as investers expected in short term.
Q: U mean I should sell the shares I hold?
A: In my opinion,if U want to invest in long term.U can wait to see.
China Life Insurance Co. and Ping An, the nation's biggest insurers, have yet to extend their reach across China, where only 4 percent of the nation's 1.3 billion people have insurance, according to data compiled by KPMG International. The insurance penetration in China is generally very low.
Since the snowstorm disasters and the earthquake, Chinese people are becoming more aware of insurance. It's favorable for Chinese insurance's long-term development.
If U want to gain the long-term profit, U can just hold on.
投资入股吧！
A:Thanks for coming over. I'm sorry I couldn't get to your office on time.
B:That's all right. It's not unusual for a stockier（证券经纪人） to keep these hours. And besides, you're an old friend.
A:So, as I was saying. I think this might be a good time for me to invest in that computer company. As my stockbroker（股票经纪人）, what do you think?
B:I think they're doing extremely well. And they would probably welcome your investment.
A:If they're doing so well, why do they need my investment?
B:All right. Let me explain a little about corporate finance.
A:Go ahead. When it concerns my money, I'm very interested.
B;First of all, corporate enterprises（合资公司）, need financing, especially if they want to expand. Now, there are two basic types of financing.
A:And what are they.
B:Equity（入股） and debt（举债）.
A:What's the difference?
B:The use of money supplied by the owners of a business is called equity funding（入股融资）, and the use of money supplied by loans is called debt funding（举债融资）.
A:So what am I, as an investor?
B:Well, you become a partial owner of the company and receive equity. You get shares of common stock to represent your portion of ownership.
A: That's where you come in（那是你的目的所在）, right? Buying the stock for me.
B:Right. By the way, I bought a copy of the company's Annual Report over for you to look over. You should read it very carefully. Ask me if you have any questions about anything in it.
A:Thanks. I will Say（哎）, does this company pay dividends（分红利） on its stock?
B:Yes. As a matter of fact, I've looked into this organization very carefully. I can report that they have good management, their business is doing quite well and the value of their stock has been rising. I consider this to be an excellent long-term investment, as far as I'm concern.
A:But suppose I want to sell my shares soon?
B:No problem. You would no doubt make a profit on the sale. But I think you might want to keep this company in you portfolio(证券类投资项目).
A:I must say that you've always given me good advice.
B:Well, my advice now is to study the company's Annual Report. You need several days to do that. Then we'll talk some more.
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