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The second area I want to focus on is what we know we do not know. In other words, the uncertainties related to the further opening of China's market. //
Clearly, we do not know exactly how numerous industries will evolve. And it is a lack of advanced knowledge that is prompting much speculation. In the area of financial services for example, some predict that many of China's domestic banks will have a limited life span once the market is fully opened up in five years time. //
Personally, I do not share this view. I think they will be very strong competitors, partly because they are in the advantageous position of knowing the marketplace, partly because they have national networks that are impossible—not to mention impractical—to match. And partly because they have a strong base of customers and are becoming increasingly modern Consider the mainland's largest bank, the Industrial and Commercial Bank of China. It recently announced that it has more than l0,000 corporations and 1.8 million individuals using its online banking services. But the main reason I think domestic banks in China will be strong competitors: they are very fast learners. //
Another thing we know we do not know—and this specifically relates to Hong Kong-is the indirect benefits that will flow from a more open market in China. For example, if mainland investors are allowed to invest their foreign exchange holdings in Hong Kong, the SAR's stock market would clearly benefit. Hong Kong's position as a fund raising centre for mainland companies would also be enhanced. We know this idea is under consideration. We also know we do not know when it may happen. //
Likewise, we know that if banks in Hong Kong are permitted to accept RMB deposits, the SAR's status as an international financial centre and as the premier regional financial centre will be enhanced even further. Once again we know this idea is being considered, but we do not know when it may happen. //
Finally, we know that we do not know how China will change the WTO. What role will the country play in shaping future trade talks？ Will China's presence prompt other members to address the concerns of developing nations more readily？ And how will another large player at the table affect overall group dynamics？//
One thing that is clear: the WTO is much more of a global body now than it was prior to China's entry. Simply put, no organization can rightly call itself global if it does not include the world's most populous nation. //
(Excerpts from "China and the WTO: the 15-year Itch" by Mr. David Eldon, Chairman of Hong Kong and Shanghai Banking Corporation Limited, at Hong Kong Association of New York breakfast meeting on April 25, 2002)

某国有资金投资的工程建设项目货物采购，招标人定标过程中，细致审查了评标报告中推荐的三名中标候选人的投标文件，发现其在产品成熟度，社会信誉以及中标后的优惠条件等方面存在较大差异，其中：
第一中标候选人：产品的成熟度较高，有8年的生产历史，市场占有率达到了4%左右，同时有较好的社会信誉，但其投标报价在评标委员会推荐的三名中标候选人中最高，也没有承诺中标后额外提供一些优惠条件。
第二中标候选人：产品成熟度不如第一中标候选人，其提供的产品仅有4年左右的生产历史，市场占有率达到1.5%左右，其投标报价为评标委员会推荐的三名中标候选人最低，也没有承诺中标后额外提供一些优惠条件。
第三中标候选人：为新出产的该类产品，投放到市场不足2年。其投标报价居中，同时有很好的优惠承诺，即中标后免费提供3年易损件，为招标人免费培训3名操作人员等。
[问题]
(1)招标人和投标人的观点哪一种正确？为什么？
(2)招标人应怎样确定中标人？为什么？

某物流企业于年初向银行借款50万元购买设备,第一年年末开始还款,每年还款一次,等额偿还,分5年还清,银行借款利率为12%。求:每年应还款多少？

某省国道主干线高速公路土建施工项目实行公开招标，根据项目的特点和要求，招标人提出了招标方案和工作计划。采用资格预审方式组织项目土建施工招标，招标过程中出现了下列事件：
事件1：7月1日(星期一)发布资格预审公告。公告载明资格预审文件自7月2日起发售，资格预审申请文件于7月22日下午16：00之前递交至招标人处。某投标人因从外地赶来，7月8日(星期一)上午上班时间前来购买资审文件，被告知已经停售。
事件2：资格审查过程中，资格审查委员会发现某省路桥总公司提供的业绩证明材料部分是其下属第一工程有限公司业绩证明材料，且其下属的第一工程有限公司具有独立法本资格和相关资质。考虑到属于一个大单位，资格审查委员会认可了其下属公司业绩为其业绩。
事件3：投标邀请书向所有通过资格预审的申请单位发出，投标人在规定的时间内购买了招标文件。按照招标文件要求，投标人须在投标截止时间5日前递交投标保证金，因为项目较大，要求每个标段100万元投标担保金。
事件4：评标委员会人数为5人，其中3人为工程技术专家，其余2人为招标人代表。
事件5：评标委员会在评标过程中，发现B单位投标报价远低于其他报价，评标委员会认定B单位报价过低，按照废标处理。
事件6：招标人根据评标委员会书面报告，确定各个标段排名第一的中标候选人为中标人，并按照要求发出中标通知书后，向有关部门提交招标投标情况的书面报告，同中标人签订合同并退还投标保证金。
事件7：招标人在签订合同前，认为中标人C的价格略高于自己期望的合同价格，因而又与投标人C就合同价格进行了多次谈判。考虑到招标人的要求，中标人C觉得小幅度降价可以满足自己利润的要求，同意降低合同价，并最终签订了书面合同。
［问题］
(1)招标人自行办理招标事宜需要什么条件？
(2)所有事件中有哪些不妥当，请逐一说明。
(3)事件6中，请详细说明招标人在发出中标通知书后应于何时做其后的这些工作？