月度归档： 2024 年 1 月

Promote the stable and healthy development of the real estate market

Recently, the Political Bureau of the Communist Party of China (CPC) Central Committee held a meeting to analyze and study the current economic situation and plan economic work in the second half of the year. The meeting pointed out that it is necessary to effectively prevent and resolve risks in key areas, adapt to the new situation in which the relationship between supply and demand in China’s real estate market has undergone major changes, adjust and optimize real estate policies in a timely manner, and make good use of the policy toolbox because of the city’s policy to better meet the rigid and improved housing needs of residents and promote the stable and healthy development of the real estate market.
According to incomplete statistics, in the first half of this year, due to the city’s policy, real estate control policies were successively introduced for about 380 times. What are the characteristics of optimizing control policies in various places? What is the trend of the real estate market in the second half of the year?
Multi-point efforts in property market regulation
Since the beginning of this year, effectively preventing and resolving risks has become the main content of real estate policy regulation. On the one hand, multi-departments further increase financial support for real estate enterprises; On the other hand, the demand side focuses on reducing the cost of buying houses, and various localities have made precise policies in many aspects, such as mortgage interest rate adjustment, provident fund support policies, simplification of second-hand housing services, optimization of purchase restrictions, and housing subsidies.
According to the data of the Central Finger Research Institute, more than 40 cities across the country have adjusted the lower limit of the first home loan interest rate to below 4%. With the People’s Bank of China lowering the LPR interest rate for more than five years to 4.2% on June 20th, some cities still expect to lower the mortgage interest rate. Since the beginning of this year, more than 10 cities, such as Luoyang and Qingdao, have relaxed their credit policies by optimizing the criteria for identifying second homes and reducing the down payment ratio, with a view to promoting the healthy development of the real estate market. At the beginning of June, Qingdao reduced the down payment ratio of non-restricted areas, and residents’ home ownership sentiment picked up and market activity increased. Restrictive policies in non-core areas of hot cities may be further liberalized.
Judging from the housing provident fund policy, compared with the limitations of previous provident fund withdrawal, more than 100 places have introduced policies such as increasing the amount of provident fund loans, reducing the down payment ratio of provident fund, allowing provident fund to pay down payment, supporting "business-to-public" loans, and increasing the amount of rental housing to withdraw provident fund, so as to further support the release of rigid and improved housing demand by revitalizing the provident fund.
"From the perspective of policy effect, the further relaxation of credit policy is conducive to reducing the cost of home purchase and has played a positive role in promoting the release of demand for home purchase." Huang Yu, executive vice president of the Central Finger Research Institute, believes that for the real estate market, it is still necessary to superimpose more support policies at both ends of supply and demand in order to better play the policy effect.
Since the launch of the "third arrow" to support the financing of real estate enterprises, many listed real estate enterprises such as China Merchants Shekou, Poly Development, Fuxing, Lujiazui, China Communications Real Estate and Daming City have been approved by the Exchange, and the total amount of funds raised is about 35 billion yuan, most of which are used to supplement working capital and guarantee the delivery of buildings.
Zhang Bo, president of 58 Anjuke Research Institute, said that the current real estate development enterprises are gradually getting out of the financing dilemma. The approval of refinancing of housing enterprises will help enterprises to acquire land, start construction and build stably, and at the same time, it will also play a positive role in the orderly delivery of projects.
Overall, it showed a stabilizing trend.
In the first half of the year, all localities improved the policy accuracy due to the city’s policy, which better met the rigid and improved housing needs of residents and promoted the stable and healthy development of the real estate market.
According to the data of the National Bureau of Statistics, in the first half of this year, the sales area of commercial housing nationwide was 595 million square meters, down 5.3% year-on-year, of which the sales area of residential buildings decreased by 2.8%. The sales of commercial housing was 6.31 trillion yuan, up by 1.1%, of which residential sales increased by 3.7%.
Specifically, in the first quarter, under the influence of factors such as the release of the previous backlog demand and the effective policies, the activity of the real estate market rebounded, and the real estate market in hot cities appeared "Xiaoyangchun" market. In the second quarter, the previous backlog of housing demand was released, and the market cooled significantly.
From the perspective of demand structure, the demand for improved housing in the first half of the year was still an important support for the market, and the proportion of transactions in the middle and high total price segments in many cities increased. In Beijing, Shanghai, Chengdu, Suzhou and other cities, the number of high-end residential products has increased rapidly, and the market has maintained a certain activity. In contrast, the activity of the second-hand housing market was better than that of the new housing market in the first half of the year, and the market expectation weakened synchronously in the second quarter.
However, there is uneven heat and cold in the land auction market. Land auctions in core cities have maintained a certain degree of heat, while land auctions in some cities have been indifferent. The data shows that in the first half of this year, Shanghai, Hangzhou and Hefei all accounted for more than 50% of the land price ceiling transactions, and some plots in Beijing and Hangzhou set a record for the number of land participating enterprises in recent years; Enterprises in the core areas of Guangzhou, Qingdao, Jinan, Tianjin and Fuzhou have a high degree of participation, while the non-core areas are mostly sold at the reserve price, and the differentiation between the plates is obvious; Wuxi, Zhengzhou and Changchun generally sold at reserve prices, and the land auction mood was not high.
Fu Linghui, spokesperson of the National Bureau of Statistics and director of the National Economic Statistics Department, said that the centralized release of the backlog of housing demand in the first quarter led to an improvement in the real estate market. In the second quarter, the real estate market gradually returned to normal operation, and the real estate market generally showed a stabilizing trend in the first half of the year. In the future, investment in real estate development will still be at a low level. However, with the gradual adjustment of the real estate market, real estate development investment will gradually return to a reasonable level.
Some experts said that in the new stage of the real estate market, all parties can change their energy from "home ownership" to "home ownership is superior", promote residential development from single to diversified, promote the integration of production, housing and cities, focus on the future development of the industry, and promote the stable and healthy development of the real estate market.
Policies will be further optimized.
Recently, the Ministry of Housing and Urban-Rural Development held a corporate forum. The meeting pointed out that it is necessary to continue to consolidate the stabilization and recovery trend of the real estate market, vigorously support the demand for rigid and improved housing, and further implement policies and measures such as reducing the down payment ratio and loan interest rate for purchasing the first home, reducing taxes and fees for the purchase of improved housing, and "recognizing housing without repaying loans" for personal housing loans. Stabilizing the two pillars of construction and real estate plays an important role in promoting economic recovery.
Standard & Poor’s credit evaluation report believes that the bottleneck of the current real estate industry recovery lies in insufficient demand, and the recovery of demand depends more on the economy, per capita income level and the improvement of residents’ expectations for the future. "Only when residents’ employment and income can play a substantial supporting role in buying houses can the bail-out policy really take effect." Li Yujia, chief researcher of Guangdong Housing Policy Research Center, said. "In addition to various policies to continuously promote the property market to stabilize and improve, it is also necessary to form good market expectations and boost the release of rigid housing demand and improved demand." Zhao Xiuchi, president of capital university of economics and business Beijing-Tianjin-Hebei Real Estate Research Institute and executive vice president and secretary general of Beijing Real Estate Law Society, said.
Li Yujia said that the future policy orientation is to meet and release demand, such as meeting the needs of new citizens and young people to rent before buying; Revitalize the stock, improve the supply efficiency and match the demand, including the renovation of villages in cities, old residential areas and houses in counties and towns, so as to solve the problem of uncoordinated and insufficient development; Create a good house, a good community and a good community to meet the needs of beautiful living.
Zhao Xiuchi believes that all localities should combine the policy of having many children and the policy of introducing population to relax the purchase restriction policy appropriately. For example, further reduce the mortgage down payment ratio and mortgage interest rate, and allow the stock of fixed-rate mortgages to be converted into floating-rate mortgages based on LPR.
Zhang Bo predicted that in the second half of the year, the real estate regulation and control will be further optimized, and the probability of introducing policies related to the restriction and relaxation of purchase in hot cities may further increase. At the same time, the mortgage policy is expected to increase the inclination of improving demand.
At present, many real estate enterprises in the capital market are facing delisting. How can the financing environment of housing enterprises continue to improve in the future? Chen Xiao, a senior analyst at Zhuge Data Research Center, said that from the supply side, it is necessary to continue to increase financing support for housing enterprises and implement the "three arrows" support measures. "Financing should be more inclined to high-quality housing enterprises and private housing enterprises with stable funds."
Huang Yu suggested that we should continue to increase support for equity financing of listed real estate enterprises and speed up examination and approval; Supporting private housing enterprises to issue bonds by means of "cooperation between central and local governments" should be expanded and expanded, promoted in more cities, benefiting more private housing enterprises, and at the same time increasing support for mergers and acquisitions of listed housing enterprises.
The "Guiding Opinions on Actively and Steadily Promoting the Reconstruction of Villages in Megacities" deliberated and adopted by the executive meeting of the State Council on July 21st mentioned that in megacities, it is necessary to increase policy support for the reconstruction of villages in cities, actively innovate the transformation mode, and encourage and support the participation of private capital. Renovation of villages in cities and revitalization of idle assets will be important measures and ways to increase the construction and supply of affordable housing.
"In the next step, policy support such as developing affordable rental housing through multiple channels and taking multiple measures to stimulate social investment to jointly build affordable housing will be further enhanced." Zhang Bo said. (This article Source: Economic Daily Author: China Economic Net reporter Li Fang)
(Source: Economic Daily)
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Billion real estate billionaire Cheng Laolai was offered a reward of 10 million yuan and his property was auctioned.

　　Beijing, Sept. 18 (Zuo Yukun), the client of Zhongxin. com, was a top 100 real estate enterprises and a billionaire on Hurun’s rich list two years ago. Two years later, he became a "Lao Lai" who was offered a reward of tens of millions of dollars and his property was auctioned. What happened to Chen Jianming, the real controller of ST Zhongchang, a listed company, in the past two years?

　　Billionaire property was auctioned and issued by the court.Ten million reward announcement

　　Recently, Alibaba’s auction platform shows that in the next 25 days, four courts will auction several properties and parking spaces under the names of Chen Jianming and affiliated companies in five cases, with a total starting price of nearly 280 million yuan.

　　One of the properties auctioned in Chen Jianming. screenshot

　　Chen Jianming is the real controller of ST Zhongchang, a A-share listed company. Sansheng Hongye, who is in charge, was among the "Top 100 Real Estate Enterprises in China" in 2018, and was ranked 398th on the Hurun Rich List with 10 billion assets in 2019.

　　But not long ago, a reward notice issued by the Intermediate People’s Court of Qingdao, Shandong Province (referred to as "Qingdao Intermediate People’s Court") attracted much attention: because the executed person refused to pay 100 million yuan in debt, interest and liquidated damages, the executor applied to the court to issue an execution reward notice to collect clues about the property of the executed person, and paid a reward of 10% of the actual execution amount, that is, the maximum amount of 10 million yuan.

　　Chen Jianming was offered a reward of 10 million this time because of a dispute over private lending. According to the judgment document, in July 2019, Shanghai Sansheng Hongye Investment (Group) Co., Ltd. borrowed 100 million yuan from Qingdao Tiantai Real Estate Development Co., Ltd. and Qingdao Tiantai Real Estate Co., Ltd. for working capital turnover, with a loan period of 15 days. However, after Sansheng Hongye repaid the interest of 3 million yuan, it failed to return the principal and interest, and Chen Jianming and others were jointly and severally liable as guarantors.

　　If you don’t be a pig on the tuyere, you can’t be an eagle on the tuyere.

　　According to public information, Chen Jianming was born in Zhejiang in 1956, went into business in 1993, and then set foot in real estate business. Yijingyuan, three sheng Real Estate and Sansheng Hongye Investment Group are his representative projects. In 2007, Chen Jianming listed Zhongchang by sea through the backdoor of Hualong Group, which mainly focuses on aquaculture.

　　"We don’t want to be pigs on the tuyere, we want to be eagles on the tuyere." At the mid-term meeting of the company in 2015, Chen Jianming once said to employees: Pigs can’t fly. If pigs fly, they will eventually die miserably; You must become an eagle and learn the skills of flying in order to break through the bottleneck of the industry.

　　Notice of reward issued by the Intermediate People’s Court of Qingdao City, Shandong Province. Screenshot from official website, Qingdao Intermediate People’s Court

　　But Chen Jianming, who wanted to be an eagle, failed to fly. After putting forward the "three-year, 100-billion-yuan" plan, Chen Jianming has made huge acquisitions and large-scale land purchases, leaving the company in debt.

　　According to the information disclosed by the Shanghai Stock Exchange, from April 2016 to August 2019, Sansheng Hongye issued 9.38 billion yuan of bonds with an interest rate of 7%-8.4%, and most of the financing proceeds were invested in real estate projects in third-and fourth-tier cities such as Zhoushan, Foshan and Shenyang.

　　The pressure of debt repayment is rising rapidly, and Chen Jianming also "borrows money" from employees and issues loans under the name of wealth management products. Thousands of employees and their families have invested a total of 800 million yuan, of which about 680 million yuan of employee financial principal has not been paid, which also staged a scene of "the company thundered, all parties begged for money, and the chairman cried".

　　At that time, some people in the industry commented that when the turning point of capital trend "going to real estate" came, if you don’t understand the times and don’t conform to the general trend, you are still desperately adding leverage until the debt reaches several times the net assets, and the sales of commercial housing can’t be as capricious as in the past, and you will have to bear the consequences of the break of the capital chain.

　　In January 2021, Sansheng Hongye filed for bankruptcy. At the end of May, Chen Jianming’s former manipulation and control of ST Zhongchang’s share price was "blacked out" by the CSRC, with more than 11 million illegal gains confiscated and banned from the securities market for 10 years.

　　In addition, from 2019 to now, Chen Jianming has been issued with 11 restraining orders by the court, and has been executed for breach of trust for 11 times, with a non-performance ratio of 100%, and the total amount of execution exceeded 13.2 billion yuan.

　　"I am also very sad. If those projects can be solved, I think they can always be solved." At the scene of debt collection in 2019, Chen Jianming said this in tears. But two years have passed, but only ten million reward notices and real estate have been auctioned. (End)

Deep love philosophy sentence, every sentence goes through the heart!

First, time flies, some regrets, destined to be a notch in the heart, some goodbye, say it, still feel heartache, some persistence, only hurt yourself. It doesn’t matter. It’s all over. You will always meet someone better. No longer wronged themselves, people always have to move forward, believe in themselves, and everything they want is on the way.

Second, I was most afraid of losing you. In the end, I lost you. Love has not dispersed, and people have gone far, which hurts the most. Things have changed, you can’t go my way, just as I can’t dream your dream. Counting the rings, how long has it been since you and I met? If you will think of me, how can you remember me? Bypassing your locked heart, it’s just my waiting alone.

Three, how many times have I told myself, and a moment that ought to have lasted for ever, but no matter where I go, I still have you in my heart, so I buried you in my heart and turned you into a secret. I am no longer sad and sad for you, but I will still hear from you occasionally. I hope you have a good life. Miss you and miss you; It has become a habit, but it won’t bother you again, let alone contact you again.

Four, the long years, the person I miss most, are you okay? If you are well for the rest of your life, I won’t bother you any more. There is a love that has never been said in my heart, but it has become a story. How much care, how much helplessness, a love, the most profound parting, can no longer accompany you to see the long stream of water, can no longer accompany you to grow old slowly.

5. Inadvertently, some thoughts filled my heart, and some memories made my eyes wet. Standing in the depths of the years, I was so sad that I forgot that I was just a story writer. Time flies, hiding in a period of time, in other people’s stories, with their own tears. Looking back, whose figure falls in memory, giving birth to infinite warmth and provoking acacia? Miss your tenderness, miss the fleeting time, miss the past with a smile, and look forward to meeting you at the ends of the earth.

6. Do you know? There is someone who has been waiting for you for too long. The town where you and I met is still there. I still hope you are still there. I have experienced too many things, and my heart is tired, but when I think of you, there is still endless hope that supports me to move forward. You are still in the future, how dare I get old? I have a Qian Qian knot in my heart. Who will solve it for me? Only you know my heart, understand my warmth and coldness, and wish to be treated gently by time. You and I are still the same.

Seven, to the person I love deeply, thank you for meeting you in this life, thank you for teaching me how to love, thank you for giving me tenderness, thank you for teaching me to be brave, thank you for teaching me to cherish, but unfortunately, you will not appear in my life again. In the depths of the years, in whose eyes, there is endless attachment? Say hello to the distance, we will always find the best of ourselves, thank you for coming to my world.

Eight, I am the happiest person with you in my life. I have you in my life, and my heart is warm without words. Thank you for guiding me when I am confused and encouraging me to be strong when I am weak.

If I can meet you again, how will I face you? I can only be silent with joy. If you see me again, will you look back and stare into my eyes and tell me all your thoughts?

Ten, a turn is a lifetime, goodbye to the most beloved you, I wish you a stable life in a place I can’t see, and no longer drift from place to place. Many people know about Do not forget your initiative mind and so as to achieve your final goal, but they seldom know that the first heart is easy to get, and it is always difficult to keep. There is still a long way to go in the future. I will be fine, and you should be kind to yourself. I hope that you and I will be well and undisturbed for the rest of my life, which is my last gentleness.

11. The most painful thing in the world is that love is still there, and people have gone their separate ways. Since then, everything about each other has to be heard and heard. I heard that you have had a good life these years, and there is someone by your side. I heard that you are still the same as before, and the years have not left traces on your face. When I read your name, I still feel sad, because I can’t look at you again in this life.

Twelve, lonely, want to have you, how much love, how much loneliness and heartache. Waiting is dreaming that someone will come back, because there is still love in my heart. Have you changed over the years? I am still the same. In the city where you lived, I am busy and lead an ordinary life every day. Do you know that?/You know what? There is a person who has been silently caring about you.

Thirteen, you can’t forget the rivers and lakes, just where you can’t see, a person misses you quietly, and there is a kind of warmth that makes someone treat you as always, a kind of happiness, and a constant concern. You in the distance, do you know that there is a person who misses you all the time? You have been here for a while, and I miss you all my life.

Fourteen, people who are destined to be inseparable can’t see each other again in this life. I will return you to the vast sea of people even if I am extremely sad. The truest love is that you are the only one in my life, and this feeling will never change. Over the years, have you occasionally thought of the person who loves you the most? Some people can experience wind and rain, but they can’t live a normal life. I have been tossing and turning for many nights, thinking about you and thinking about you. You are my deepest concern and my deepest love.

Maybe in the future, no one will love you as much as I do, and you will never meet the second me again. You once said, I wish to have one heart and one mind, but why did you say goodbye in a hurry? I love you wholeheartedly, but I can’t have you. I miss you. Looking back, I am somewhat disappointed. I look at the distance alone, and my vows are too beautiful. The people I heard are true.

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Source: Chunming Dongcan

NFL revealed ＂inside story of Olympic addition＂, and China’s first flag rugby national team is expected to be ＂made in Shanghai＂？

"The entry of flag rugby into the Olympics is progressing smoothly, and we also hope to help China rugby lay out in advance and catch up." Jia Hengxuan, the media director of nfl (Major League Football) in China, made a big discovery when interviewed by Jiefang Daily and Shangguan News recently.

　 　On the same day, Jia Hengxuan was invited to attend the Shanghai City Amateur Football League Finals and the East China Finals of the nfl Waist Flag Rugby Competition held in Xuhui District-this is the fourth year that the nfl and this Shanghai mass sports brand event have become attached to each other, and the two sides have jointly promoted and witnessed the "warming up" of rugby in Shanghai year by year.

It is no coincidence to reveal the inside information of "Waist Flag Rugby Entering the Olympics" on such an occasion. "The development of Shanghai Rugby is ahead of the whole country, and it is very suitable as a new starting point for China Rugby to impact the Olympic Games." Jia Hengxuan said.

"Flag at the waist for the Olympics" has been settled.

　 　 As early as last year, a news related to rugby aroused widespread concern in China’s sports world-the World Games held in July 2022 announced that it would cooperate with nfl to establish flag football as a new World Games event. At that time, the most talked about was the possibility of flag football entering the Olympics. After all, in the past 40 years, many sports have finally reached the Olympic stage through the World Games.

　 　Today, the nfl’s news confirms everything. "The International Football Federation is working hard to promote the establishment of the flag football project in the 2028 Los Angeles Olympic Games. The nfl is fully supporting them. Although the Olympic addition is a huge project, for now, everything is going well." Jia Hengxuan said.

Caption: Jia Hengxuan (right) is giving awards to athletes.

　 　In fact, we have every reason to believe in the determination of Americans to promote flag football into the Olympics. American football has a very high popularity in North America, and the nfl is the most valuable professional sports league in the world, with the highest ratings for many years. For Americans, it is certainly the first choice to push American football into the Olympics, but it is almost impossible.

　 　When considering whether a project can enter the Olympic Games, the International Olympic Committee has to weigh many factors. "Host intention" is a well-known one, but it can’t be the only consideration. In overseas markets, the audience and influence of American football can’t be compared with its position in North America, and its popularity and development level can’t reach the Olympic threshold. The reason is that the high-intensity confrontation and expensive equipment of football have become one of the reasons why many regions are discouraged from it.

　 　 In this way, the flag football, which is in the same strain as American football, has become one of the main events of the Los Angeles Olympic Games-as a non-contact, zero-equipped, small-space football competition form, the flag football has no requirements for the number, age and physical quality of participants, even if it has no sports foundation, it can quickly integrate into the team, and can realize mixed teams of men and women and compete in the same field. The biggest feature of flag football is to cultivate young people’s team spirit and leadership. Rugby requires a lot of team communication and cooperation. Through sports, teenagers can be guided to respect each other, and their self-confidence, courage and perseverance can be enhanced. Therefore, since the birth of flag football, it has quickly captured many fans around the world, and has huge participants in dozens of countries around the world.

Neighbors have taken the lead.

　 　2028 seems far away, but many "neighbors" in Asia have taken action early, and Japan is very representative.

　 　From 1998 to now, flag football has changed from an unknown sport in Japan to a popular sport on Japanese campuses. The data shows that more than one-third of primary schools (6,700 schools) in Japan have carried out flag football. Especially since 2011, flag football has been raised to the level of learning guidance for students in grades 3, 4, 5 and 6 in Japan. Since the flag football was declared to be the event of the World Games, Japan has taken precautions to promote its talent reserve and selection in its own country from the perspective of Olympic strategy.

　 In addition to Japan, South Korea, Thailand, the Philippines and other Asian countries also have good strength in flag football. As an early area to carry out flag football, these countries often win gold and silver in flag football games. I believe that once the project is successful in entering the Olympics, they will gain the first-Mover advantage. Therefore, if China Rugby wants to make a difference in this project, it is urgent.

Shanghai has the best rugby soil.

　 　 A good opportunity, a suitable soil, the seeds of love will have the opportunity to become a forest. Jia Hengxuan said that the nfl thinks that Shanghai can become this "starting point" because it has the best rugby soil in the country.

　 　 Patrick, an American who has been a rugby coach in China for six years, said frankly, "There is almost no gap between China players and American players." He once led a team to compete with nfl players in Major League Football. He thinks that China is almost the same as American players in terms of personal ability and potential ability, and the only difference is the growth environment, that is, "the soil of football".

　 　 Wang Datong can be said to be one of the earliest people to promote American football in Shanghai. He started to contact football at the age of 12, played high school football league in Hawaii, and was still an avid fan of the sport when he was studying at the University of Illinois. Since 2013, he has served as a player and coach in a well-known amateur football club in Shanghai. He told reporters that because American football is a non-Olympic event, there is little top-down support. The main development form of this project in China is the grassroots rugby club, which is organized spontaneously by rugby fans. Shanghai is the most representative American football town. There are not only many clubs, but also a set of scientific management models, which regularly organize training and competitions.

　 　 There are many "signs" that can prove this soil. In terms of participation, the number of domestic teams participating in organized amateur adult equipment leagues increased from 8 in 2014 to 64 in 2019, and the number of Shanghai teams accounted for one third of them; Many campuses in Shanghai have introduced rugby projects one after another, and there are countless non-governmental training institutions. As early as 2018, data showed that more than 8,000 primary school students in Shanghai were trained in rugby courses at least once a week. In the Super Bowl every year, nearly 10 million China viewers watch the live broadcast of the event on TV and new media platforms, among which Shanghai fans account for the majority.

　 　 The year-round folk games have become the core of revitalizing this football hotspot. In the past two years, the rugby amateur league, which was created by Shanghai Rugby Association (hereinafter referred to as "Shanghai Rugby Association"), has its sub-events and events including: American Rugby Amateur League, Waist Flag Rugby Amateur League, Rugby Amateur League, Touch Rugby League, Junior Rugby League, Magnolia Bowl American Rugby Championship, Shanghai Rugby Ten-a-side Championship, and Ambassador Bowl International Rugby Invitational Tournament …

　 　 In recent years, the competition system and stage of Shanghai rugby have been further enhanced and enlarged. Shanghai sports management department brought rugby into the city amateur league, and the government set up a platform to promote and popularize rugby with high-quality resources. As the main body of the competition, the "Football Association" attracted the nfl, the top professional sports league, to participate actively with the authoritative and professional style of running the competition. It can be said that many parties worked together to breed "soil" together.

　 　 Take Xuhui District as an example. In the past two years, the rugby atmosphere has been rich. First, with the help of the "East Wind" of the city amateur league, the sport itself is very compatible with the regional style. "As a city with a high degree of internationalization, rugby matches the regional characteristics very well and won the love of the people. At present, there are a large number of white-collar workers and teenagers participating in the district, and they need more rugby amateur events suitable for participation. " Zhang Ying, director of the Sports Bureau of Xuhui District, said that the Shanghai Urban Amateur Football League Finals has become an annual "sports festival" in Xuhui District, which is not only a platform for promoting rugby among the people, but also a stage for improving the level of domestic amateur rugby fans.

Is it feasible to form a national team through social training?　

　 　"On the development of flag football, Shanghai has always been a leader in China." The nfl’s judgment is convincing, because since 2003, the nfl has started to hold training camps for flag football coaches and referees in China; In 2008, nfl began to organize university flag football league in Beishangguang, with nearly 40 universities including Tsinghua, Fudan and Guangzhou University participating. In 2015, the nfl held a flag football tournament in China, covering primary schools, junior high schools, senior high schools, universities and public groups, achieving full age coverage.

In the nfl’s view, the biggest difference between football and other sports is the tacit understanding and team cohesion between players, which is the upper limit of the strength of a football team, not the talent of a few players. "We have reached a consensus with the Shanghai Football Association and hope to try to tap football talents through social training." Ding Ye, Secretary-General of Shanghai Rugby Association, revealed that the two sides are already planning to set up a rugby training base in Shanghai. "Our vision is to make full use of Shanghai’s unique rugby soil, select good young people who are talented and enthusiastic about rugby, and after a long period of training and running-in, continue to participate in high-quality competitions, and even go abroad to receive higher-level guidance and learn from international excellent teams, and finally build a truly competitive elite team of flag rugby.

　 　Ding Ye said frankly that the "software equipment" to realize these ideas is relatively mature at present-based on the successful cooperation between Shanghai Football Association and nfl for many years, the latter is willing to provide the best coach resources, and in the key aspects of talent training, the connection between overseas high-level training platforms and leagues, Shanghai Football Association will play a good bridge role. "But beyond the’ software’, the creation of such an elite team still needs the intervention and guidance of the government, giving necessary hardware support such as venues and policies." Ding Wei said.

　 　 No matter what the result is, as long as we act immediately, it will be of great significance to take precautions at this moment once the flag football successfully enters the Olympics in the near future. Is it really possible for China’s first national flag rugby team to be born in Shanghai and sprint to the Olympic Games?

Editor-in-Chief: Chen Hua

Author: Yao Qinyi

Text Editor: Yao Qinyi

Looking forward to a reunion dinner for 14 years, Sun Haiyang returned to Jianli’s hometown with his wife and children for the New Year.

According to the extreme journalist Huang Zhigang Xiangying Yin Yue

Photo photography Huang Zhigang

On the morning of January 24th, Sun Haiyang, his wife, children and a family of five drove from Shenzhen to their hometown in Jianli, Hubei Province for the New Year reunion. Spring Festival travel rush’s journey home, which spans more than 950 kilometers, is like his 14-year search for relatives. Although it is full of hardships, it is a happy ending. At 1: 40 am on the 25th, the Sun Haiyang family returned to their hometown in Jianli, took the first family photo in 14 years and had the first reunion dinner in 14 years.

From the toll station of Jianli Expressway, Jimu journalists recorded the reunion time of Sun Haiyang’s family back to their hometown. Nearly 4 million netizens on all platforms of Jimu News "watched the reunion and reunion time of Sun Haiyang’s family". Sun Haiyang also said frankly: "I remember Chutian Metropolis Daily all my life. At that time, it was called every day. When it was not working, it was the media in my hometown that helped me."

All the way, the first family portrait in 14 years was fixed.

"Welcome home!" At 1: 15 a.m. on 25th, a journalist who was broadcasting live at the toll station of Jianli Expressway sent his blessing to Sun Haiyang’s family who was coming slowly.

On the morning of 24th, Sun Haiyang left Shenzhen with his wife Peng Siying, his daughter Sun Yue, his eldest son Sun Zhuo and his children Huihui, and returned to his hometown in Jianli, Hubei for the New Year. This time, Sun Haiyang took Sun Zhuo to reunite with his grandparents in his hometown, which means the first Spring Festival reunion in 14 years.

It takes about 1000 kilometers to go back to Jianli’s hometown from Shenzhen, which takes about 13 hours according to the normal itinerary. However, it coincides with the rush hour of returning traffic in Spring Festival travel rush and the continuous rainy weather in some areas, Sun Haiyang’s trip home is particularly "bumpy". On the evening of 24th, Jimu journalists made a live broadcast at the toll station of Jianli Expressway, introducing the specific itinerary of Sun Haiyang’s family to netizens, and broadcasting the information about the abducted children who had not found them. By the early morning of 25th, there were still more than one million netizens "waiting in the cloud" in the live broadcast room of Jimu News, hoping to witness Sun Haiyang’s family returning to their hometown.

Grandma Sun Zhuo, who is in Jianli’s home, has already cleaned the house, laid new sheets for her children and grandchildren who have returned home, and bought new cotton shoes for her three grandchildren.

From Jianli Toll Station to Sun Haiyang’s home, a journalist drove all the way to follow the live broadcast, and many netizens sent New Year greetings to Sun Haiyang’s family in the live broadcast room.

At about 1: 40, Sun Haiyang’s car drove to the door, waiting for her children and grandchildren’s grandmother Sun Zhuo, who still didn’t sleep, waiting for their return. Sun Zhuo also brought back his favorite guitar, scooter and piggy bank from Shenzhen.

While Sun Haiyang’s mother had not rested, he suggested taking a family photo quickly. Under the witness of the reporter, Sun Haiyang and his family were sitting on the sofa, Sun Yue was holding Sun Zhuo, and Sun Hui and Sun Zhuo were wearing "brothers’ clothes". The family smiled at the camera and took a group photo of reunion. Sun Haiyang also reminded Sun Zhuo that his back would be straight when taking photos.

Sun Haiyang said that Sun Zhuo’s school in Shenzhen has adapted very well. This time, he will stay at home and reunite with his relatives and friends, and will not return to Shenzhen until the day before Sun Zhuo goes to school.

A table of New Year’s dinner defines the meaning of family reunion.

Although he didn’t rest until 2 o’clock in the morning on the 25th, Sun Haiyang got up early that morning and was busy cleaning up the house and preparing for the reunion dinner that day.

"Sun Zhuo is not picky about food, what we eat, what he eats." Peng Siying, Sun Zhuo’s mother, told Jimu news reporter that during her stay in Shenzhen, the whole family lived in harmony and enjoyed the happiness of reunion, and her son Sun Zhuo quickly integrated into this big family.

In order to prepare for the reunion dinner, Sun Haiyang drove to a farmer’s market far from home to buy vegetables early in the morning. Sausages, lotus roots, Artemisia selengensis, diaozi fish … Sun Haiyang searched for ingredients in the food market according to his childhood taste memory.

Sun Hui, the youngest son, showed off his guitar playing through the live broadcast of the news, and a song "Teenager" attracted millions of netizens’ attention.

At 11 o’clock noon, Peng Siying and her mother-in-law went to the kitchen to be busy, preparing a reunion dinner at noon. Before entering the kitchen, the reporter smelled the aroma of ribs lotus root soup in the room. Sun Yue ran to the kitchen and tried to help her mother Peng Siying, but her mother refused. Peng Siying said that lotus root soup is her specialty, just to let the family taste the taste of "home".

Near 12 noon, Peng Siying and her mother-in-law were busy, which enriched the dishes on the round table. Sausage fried with Artemisia selengensis, fish fried with diaozi, pickled sherry red, pea rice, and red cabbage moss … A table of dishes for strengthening local eating habits was served by Sun Yue, Sun Zhuo and Sun Hui in turn.

"This is the highlight, the lotus root soup is coming!" Peng Siying served a big bowl of lotus root soup. She said that lotus root soup in Jianli dialect indicates the meaning of reunion, wishing the whole family reunion, harmony and beauty in the new year.

"I wish grandpa good health and a long life!" "I wish grandpa a long and healthy life!" "I wish my mother will never have white hair." Sun Yue, Sun Zhuo and Sun Hui took the drink cups in turn and sent blessings to the elders at home.

"I have been looking forward to this reunion dinner for 14 years, and today it is finally complete!" Sun Haiyang said that what he was most afraid of before was the Chinese New Year, because Sun Zhuo’s abduction, and every reunion moment during the festive season was the saddest time in Sun Haiyang’s heart. "At that time, I thought, don’t let me celebrate the New Year. But I am very happy now, because Sun Zhuo has gone home and the family has really reunited. "

"I remember Chutian Metropolis Daily all my life. At that time, it was called every day. When it was not working, it was the media in my hometown that helped me." Sun Haiyang said, thanks to the media reports, let his report about finding relatives be concerned by the society, and thanks to the efforts of the public security organs, let him find his children.

"We are like a family, and we hope that one day, all the children will be found back." In the live broadcast of the extreme news that day, Sun Haiyang said that he would unite with parents who have not found their children and help them find them.

Reporting/feedback

When the economy is stable, the number of financial stable online lending institutions has decreased by nearly 90% compared with three years ago.

Cctv newsOn March 22nd, the State Council Office held a press conference to cope with the impact of international epidemic and maintain the stability of financial markets. Liang Zhou, vice chairman of the Bank of China Insurance Regulatory Commission, said that the turmoil in the international financial market and the downward pressure on the domestic economy will definitely have a certain impact on the banking and insurance industry in China, but overall, the impact will not be too great. Economic stability leads to financial stability. From a fundamental point of view, the long-term trend of China’s economy has not changed.

Guard against financial risksIs the eternal theme of the financial industry. The financial market order is constantly improving. Since the National Financial Work Conference, China Banking and Insurance Regulatory Commission has focused on preventing and resolving financial risks, and has achieved positive results. The national macro leverage ratio has remained basically stable, and financial risks have also changed from the original divergent state to convergence. In the past three years,The total amount of non-performing loans handled by the banking industry reached 5.8 trillion yuan, and high-risk businesses such as shadow banking and cross-finance dropped by 16 trillion yuan.A number of financial institutions with problems have been disposed of in an orderly manner.The risk of peer-to-peer lending (P2P) has also dropped significantly, and the number of online lending institutions actually operating at present has decreased by nearly 90% compared with three years ago.A number of illegal fund-raising cases have also been severely investigated and punished, and the relevant personnel have also been punished.

Banking and insuranceRisk resilience and coping resourcesVery abundant. In recent years,Return to the source or focus on the main business, has become the development trend of banking and insurance industry. In January and February this year, new RMB loans reached 4.2 trillion yuan, an increase of 130.8 billion yuan year-on-year, which strongly supported the prevention and control of the epidemic and economic growth. In February, although many enterprises closed down and the real economy of small and medium-sized enterprises was affected, from the financial data, the non-performing loan ratio of banking institutions only increased by 0.06 percentage points at the end of February compared with the beginning of the year, and the non-performing loan ratio is now 2.08%. At the same time, the loan loss reserve of banking institutions exceeds 6 trillion yuan.There are a lot of resources dedicated to dealing with future risks.The coverage ratio of provisions reached 181% (that is, 100 yuan of non-performing loans, and 181 yuan of loss reserves will be prepared there). The bank’s capital adequacy ratio has reached 14.6%, and the insurance solvency adequacy ratio is 247%.

Press conference of the ＂two sessions＂ in Xicheng District ｜ All-round service to ensure the construction of national financial management center

On January 9, Xicheng District held the first press conference of the "two sessions" with the theme of"Focus on economic structure optimization and activate new kinetic energy for high-quality development". At the meeting, Beijing Financial Street Service Bureau, Xicheng Park Management Committee, District Bureau of Commerce, and District Bureau of Science and Information Technology respectively made keynote press releases.

Lu Wuxing, deputy secretary of the Party Working Committee of Financial Street and director of Beijing Financial Street Service Bureau, introduced,2023 is an important year for financial street to start again at the age of 30, and it is also a year for achieving important results.Under the strong leadership of the municipal party committee and municipal government, Beijing Financial Street Service Bureau has fully implemented the spirit of the 20th Party Congress and the Second Plenary Session of the 20th CPC Central Committee, conscientiously implemented the spirit of the Central Financial Work Conference and the whole city financial work conference, firmly grasped the strategic task of adhering to the road of financial development with China characteristics and building a financial power, and carried out the "red wall pioneer project" and "double promotion" project in depth to ensure the development of the national financial management center with the first good, high standards and better services.

Hold the 2023 Financial Street Forum Annual Meeting at a high level.Nearly 500 guests (including more than 110 overseas guests) from more than 30 countries and regions around the world were invited to give speeches or participate in discussions with the theme of "Better China, Better World-Strengthening Financial Open Cooperation and Promoting Economic Sharing and Win-Win", and more than 6,000 people attended the meeting offline. Yin Li, member of the Political Bureau of the Communist Party of China (CPC) Central Committee and secretary of Beijing Municipal Committee, delivered an opening speech, and Yin Yong, deputy secretary of Beijing Municipal Committee and mayor, delivered a closing speech. The main leaders of the People’s Bank of China, the State Financial Supervision and Administration Bureau, the China Securities Regulatory Commission and Xinhua News Agency voiced their voices; Carstens, President of the Bank for International Settlements, Jin Liqun, President of the AIIB, Philo, Vice President of the World Bank, Tasso, Global CEO of SWIFT, Sargent, winner of the Nobel Prize in Economics, and other heavyweight guests attended and delivered speeches. More than 160 domestic and foreign media and more than 600 journalists reported the annual meeting of the forum in depth. By the week after the closing of the forum, the total information coverage of the whole network reached 123,000, with a total page view of 1.55 billion. It highlights the core role of the National Financial Management Center in leading financial reform and development, and conveys China’s strong determination to actively integrate into the world’s open cooperation and development.

Innovating and promoting party building in financial street.After the Central Financial Work Conference and the whole city financial work conference were held, the first Financial Street Party Building Forum was held in Beijing with the theme of "Party Building Leading, Concentrating and Promoting High-quality Financial Development", and leaders of the Central Financial Working Committee and the Beijing Municipal Committee were invited to participate in the forum or give speeches, contributing wisdom and strength to the party building leading the construction of a financial power.

Continuously improve the function of financial rule of law.The first grass-roots legislative contact point of Beijing Financial Street Service Bureau of NPC Law Committee in the field of economy and finance in China was established; The first financial crime warning education base in Beijing was unveiled; Innovate and carry out the "Bag Keeping Action", and build it in pairs with 15 streets to create the financial safety publicity brand activity of "Red Wall Pioneer in Mobile Financial Security".

All-round service ensures the upgrading and expansion of the North Exchange.On the basis of "four innovations", we will further create a new situation of "four innovations" and promote the implementation of innovative policies such as direct IPO of the North Stock Exchange. Four companies were successfully listed, and Cheche Technology landed on the NASDAQ market in the United States by SPAC.

Focus on promoting the high-quality development of the financial industry.Released version 2.0 of "Ten Articles of Financial Service" and studied opinions on accelerating the construction of asset management highland in Financial Street. The asset management scale of resident asset management institutions exceeded 16 trillion yuan, accounting for more than 50% of the city, and the construction of asset management highland achieved important results. In the whole year, 50 new financial institutions were introduced, with a newly registered capital of 41.32 billion yuan. The balance of deposits and loans in our district accounts for one-third of the city. According to the monitoring data, the annual average growth rate is about 12.1%, which is higher than the city average, effectively supporting the high-quality economic development. The added value of the financial industry is expected to reach more than 320 billion yuan, with a growth rate of about 6%, accounting for more than 50% of the region’s GDP, effectively playing the role of "ballast stone" and "power source".

The year 2024 marks the 75th anniversary of the founding of People’s Republic of China (PRC), and is a crucial year for the implementation of the 14th Five-Year Plan.Beijing Financial Street Service Bureau will focus on better service and guarantee the task of the National Financial Management Center Development Center.With the goal of "five in-depth and five breakthroughs",Better help the construction of a strong financial country and make greater contributions to the writing of Chinese-style modern Xicheng practice.

Deepen the party’s overall leadership over financial work and achieve new breakthroughs in enhancing the leading role of party building.Effectively perform the functions of the Party Working Committee of Financial Street, do a good job in coordination between the central and local governments, do a good job in party building in the regional financial system and the "two new" organizations, improve the construction of the "Juli Financial Street" party-mass service center, do a good job in the financial street party building forum, the financial street lecture hall, the financial street youth financial forum and other activities, and deepen the "party building gathering momentum, talent gathering wisdom, resource gathering" and "party building linkage, resource sharing, talent joint education, service joint promotion and practical work"

We will thoroughly implement the new development concept and achieve new breakthroughs in promoting the high-quality development of the financial industry.Do five major articles on technology and finance, Green Finance, inclusive finance, Pension Finance and Digital Finance. We will continue to optimize the "4+N" industrial structure focusing on finance, financial technology, asset management, digital economy and modern service industry. Opinions on accelerating the construction of financial street asset management highland were issued to further consolidate the advantages of asset management industry. Accelerate the construction of "two districts" in an all-round way and expand the institutional opening of the financial sector. Further promote the pilot work of digital RMB, accelerate the construction of Beijing digital RMB demonstration block in financial street and surrounding areas, and expand the application scenarios of smart finance and digital RMB.

Deeply practice the initial mission of finance and achieve new breakthroughs in improving the quality and efficiency of financial services.All-round service guarantees the development of Beijing Stock Exchange and builds the main position of serving small and medium-sized enterprises. Deepen the strategic cooperation with the North Exchange, speed up the establishment of the ecological circle of the North Exchange, improve the publicity and training, professional counseling, roadshow promotion and other services, build the ecological chain of the listed industrial chain of service enterprises, and strive to achieve the goal of breaking through 100 high-quality listed enterprises at an early date. Regularly carry out the activity of "sharing foreign exchange", further enhance the branding, serialization and achievement level of the activity, and better serve the real economy.

Deepen the construction of financial rule of law and achieve new breakthroughs in effectively maintaining financial security and stability.We will promote the construction of grassroots legislative contact points of the Financial Street Service Bureau of the NPC Law Committee with high quality, and strive to build the contact points into "demonstration points" to help the high-quality development of the financial rule of law with the high standard of "the first good". Effectively play the role of financial crime warning education base, extensively carry out financial safety publicity and education, continue to carry out "bag-keeping operation", and strengthen residents’ awareness of financial risk prevention. We will continue to promote the iterative upgrading of the financial risk prevention and early warning system, improve the ability to prevent and resolve financial risks, and firmly hold the bottom line that no systemic financial risks will occur.

Carry out the development concept of "China’s financial street, the world’s financial street" and make new breakthroughs in expanding international exchanges and cooperation.Closely connected with the 2024 Beijing Annual Meeting of SWIFT International Banking Operation Conference (SIBOS), the 2024 Financial Street Forum will be held at a high level to create a business card for international financial exchange and cooperation. Continue to deepen the framework of "one main N-point multi-salon" to achieve continuous voice throughout the year. We will improve the exchange and cooperation mechanism between Financial Street and international financial cities, and conduct regular exchange visits with the City of London. Actively expand exchanges and dialogues between Financial Street and international financial centers such as Wall Street in New York and Frankfurt in Germany, as well as important financial cities such as Casablanca in Morocco and Seoul in South Korea.

Text: Tang Mo thomas lee

Picture: information picture

Heavy rainfall is on the scene! The stronger cold air is coming, and the temperature in Zhejiang will plummet all the way

After the last wave of cold air, the temperature in Zhejiang finally returned to what it should look like in autumn.

Precipitation strikes.

At noon today, the whole province turned to rain one after another, with moderate to heavy rain, local heavy rain and thunderstorms. The overall precipitation this year is less, and it is good news to drop some rain!

Cold air is coming again.

After beginning of winter, cold air activities became more frequent, one after another. Sure enough, beginning of winter was the most intense solar term.

There will be a new cold air immediately, which will affect Zhejiang tonight, this time stronger than the last time. Today will be the hottest day in the next few days. Due to the influence of vortex precipitation and cold air, the daily average temperature will drop day by day from tonight to November 13th, and the process temperature drop can reach 7-9℃.

The cold feeling will be further aggravated in the morning and evening, so friends need to pay attention to the early warning and forecasting information, add clothes in time, and beware of catching a cold.

Weekly weather forecast

★

This afternoon to night

There are showers and local thunderstorms in the northwest and southeast coastal areas of Zhejiang, and showers and local thunderstorms in other areas from cloudy afternoon; Among them, there are moderate to heavy rains and local heavy rains in the north-central Zhejiang and the northern western Lishui.

Among them, there are 5~7 gusts in some inland areas of Zhejiang from midnight today to tomorrow, and 8 gusts in high-altitude mountainous areas and rivers and lakes.

★

November 10th.

There are cloudy showers, partial moderate rain and partial heavy rain in central and southern Zhejiang; There is sometimes light rain in cloudy areas in northern Zhejiang.

The lowest temperature on November 10th: 14-16 degrees in coastal areas and 12-14 degrees in other areas; Maximum temperature: 20-22 degrees in coastal areas and 17-19 degrees in other areas.

★

November 11th.

The northern part of Zhejiang is cloudy to cloudy with light rain, while other areas are sometimes cloudy with light rain.

★

November 12th.

It is cloudy and sometimes rainy in the whole province.

★

13-15 November

The whole province is cloudy.

★

November sixteenth

It’s cloudy and rainy in the whole province.

★

17-8 November

The whole province is cloudy.

Cold air process influence

Cold air began to affect Zhejiang tonight. There are 5~7 gusts in some inland areas, and 8 gusts in high-altitude mountainous areas and rivers and lakes, and the coastal gale lasts for a long time, from tonight until the 13th.

Attention should be paid to the prevention of strong winds along the coast. Water operations and passing ships in relevant waters should take shelter from the wind in safe areas and strengthen port facilities to prevent ships from anchoring, grounding and collision.

People should stay away from buildings, billboards, tall trees and simple buildings where falling objects may occur.

Clean up all kinds of sundries such as bricks and flowerpots piled on the roof, windowsill, balcony and terrace to prevent them from blowing off.

Citizens and friends need to add clothes, crops and exposed water pipes in time to take anti-freezing measures.

The temperature fluctuates greatly in autumn and winter, so you need to know the tricks to prevent colds ~

A cold has three main characteristics:

It is often dominated by wind-cold and cold. Sudden air is easy to make people catch cold, which makes people feel cold all over, and then they have a headache, stuffy nose and runny nose.

Infectious. Most people stay in a closed room for a long time to keep warm. When people with colds sneeze and cough, fine particles will float in the air and infect more people.

It is more likely to cause or aggravate respiratory diseases. A cold in cold weather will have more symptoms of respiratory infection, causing or aggravating diseases such as rhinitis, asthma, chronic bronchitis and pneumonia.

Prevention is the key to colds. The first is daily life. The warm parts that the human body should pay special attention to in autumn and winter are the head, neck, back and feet, so as to improve the human body’s defense ability.

Secondly, don’t blindly wear skirts and expose your ankles, but pay attention to the warmth of your legs and ankles.

Again, pay attention to drink plenty of warm water. Put a basin of water in the room or use a humidifier to improve the humidity of the room and reduce the irritation of dry air to the respiratory tract.

It is suggested that windows should be opened frequently in autumn and winter to keep the indoor air fresh. Try to go to public places as little as possible; Get more sunshine, take part in outdoor activities and exercise; Dry the bedding frequently in cold weather. Eat more vegetables in your daily diet, such as vegetables, cabbage, radish, etc.

The content is integrated from Zhejiang Weather and China Weather Network.

Original title: "Heavy rainfall debut! Stronger cold air is coming, and the temperature in Zhejiang will plummet all the way. "

Central Bank： No compulsory collection of consumer financial information in disguise.

　　On December 27th, the People’s Bank of China publicly solicited opinions on the Implementation Measures of the People’s Bank of China for the Protection of Financial Consumers’ Rights and Interests (Draft for Comment). The "Implementation Measures" specifically regulate the behavior norms of financial institutions, the protection of consumers’ financial information, and the settlement of financial consumption disputes.

　　What should financial institutions do?

　　Protection of consumers’ rights and interests should be included in the assessment.

　　The "Implementation Measures" require that financial institutions should formulate the overall plan and specific work measures for the protection of financial consumers’ rights and interests in their own institutions. Establish a full-time department or designate a lead department to protect the rights and interests of financial consumers, clarify the responsibilities of departments and personnel, and ensure that they have enough manpower and material resources to work independently.

　　Financial institutions shall carry out special training on the protection of financial consumers’ rights and interests at least once a year.

　　When financial institutions carry out evaluation, they should take the protection of financial consumers’ rights and interests as an important content, rationally allocate the proportion and weight of relevant indicators, comprehensively consider business compliance, customer satisfaction, timely complaint handling rate and qualified rate, and not simply take the number of complaints as the evaluation index.

　　Relevant information shall be kept for at least three years after the termination of business relationship.

　　The "Implementation Measures" stipulate that when financial institutions disclose information on financial products and services, they should use a way that is conducive to the reception and understanding of financial consumers. The rules for the collection and use of consumer financial information should be made public, and the purpose, method and scope of the collection and use of consumer financial information should be clearly stated. For important information related to the immediate interests of financial consumers, such as interest rates, fees, benefits and risks, key technical terms should be explained according to the complexity and risk level of financial products and services, and financial consumers should be confirmed to have received complete information in an appropriate way.

　　When explaining important contents and disclosing risks to financial consumers, financial institutions shall keep relevant materials in accordance with laws, regulations and regulatory provisions, and the retention time shall not be less than three years from the date of termination of business relations. Where laws and administrative regulations provide otherwise, such provisions shall prevail. The retained materials include but are not limited to: product or service agreement confirmed by financial consumers, and risk warning letter confirmed by financial consumers; Record audio and video recordings or system logs and other related data messages that explain important contents to financial consumers.

　　What can’t financial institutions do?

　　Shall not handle business on behalf of financial consumers without authorization.

　　The Implementation Measures require that financial institutions should assess the suitability of financial products and services to financial consumers according to their characteristics, reasonably classify the risk levels of financial products and services and the risk tolerance levels of financial consumers, and provide appropriate financial products and services to appropriate financial consumers.

　　Financial institutions shall ensure the property safety of financial consumers when purchasing and using financial products and services according to law, and shall not illegally misappropriate or occupy financial consumers’ funds and other financial assets.

　　At the same time, we should respect the real wishes of financial consumers to buy financial products or services, and we should not arbitrarily act as agents for financial consumers to handle business, modify financial consumers’ business instructions, or force tying other products or services.

　　There must be no format clause.

　　Unfair and unreasonable regulations for consumers

　　Many consumers usually sign the format clauses of financial institutions without reading them clearly. In order to prevent the infringement of consumers’ legitimate rights and interests, the Implementation Measures require that when financial institutions provide financial products or services to financial consumers, they should draw financial consumers’ attention to the contents of financial products or services that are of great interest to financial consumers, such as the quantity, interest rate, expenses, time limit and method of performance, precautions and risk warning, and explain them according to the requirements of financial consumers. If the standard terms are in electronic form, they should be identifiable and easy to obtain.

　　At the same time, financial institutions shall not make provisions with the following five contents in the form of standard clauses, notices, statements, notices, etc.: (1) Reducing or exempting financial institutions from the liability for compensation for financial consumers’ property losses; (2) stipulating that financial consumers shall bear liquidated damages or damages exceeding the statutory limit; (3) Exclude or restrict the right of financial consumers to inquire, delete or modify their financial information according to law; (4) excluding or restricting the right of financial consumers to choose financial products or services provided by other financial institutions; (5) Other unfair and unreasonable provisions for financial consumers.

　　The "Implementation Measures" require that financial institutions should promptly revise or clean up the format clauses and service agreement texts that infringe on the legitimate rights and interests of financial consumers.

　　Promoting non-guaranteed products should not mislead people into believing that profits are guaranteed.

　　The "Implementation Measures" require that financial institutions should be responsible for the authenticity of marketing propaganda content. The actual obligations of financial institutions shall not be lower than the standards promised to financial consumers in the form of advertisements, materials or explanations in marketing and publicity activities.

　　Financial institutions shall not engage in the following five acts when conducting marketing and publicity activities: (1) false, fraudulent, concealed or misleading propaganda; (2) Exaggerated propaganda on performance or product income; (3) misleading financial consumers into thinking that the financial management department has provided a guarantee for the financial product or service by using the procedures of auditing or filing the financial product or service by the financial management department; (4) The marketing propaganda contents of non-guaranteed investment financial products mislead financial consumers into believing that the principal can be guaranteed to be safe or profitable; (five) other acts in violation of laws, regulations and regulatory provisions related to the protection of the rights and interests of financial consumers.

　　Shall not be forced to collect consumer financial information in disguise.

　　The Implementation Measures has a special chapter to regulate the protection of consumers’ financial information, including consumers’ personal identity information, property information, account information, credit information, financial transaction information and other information related to the purchase and use of financial products or services by specific consumers.

　　According to the "Implementation Measures", financial institutions should follow the principles of legality, legitimacy and necessity in collecting and using consumer financial information, with the express consent of financial consumers. Financial institutions shall not collect consumer financial information unrelated to their business, nor shall they collect information in an improper way, nor shall they collect consumer financial information in a disguised form.

　　Financial institutions shall not take the consent of financial consumers to the use of financial information for external provision as a prerequisite for establishing business relations with financial consumers, unless the nature of the business relationship requires prior consent.

　　Where a financial institution obtains the consent of consumers for the collection and use of financial information through standard clauses, it shall specify the purpose, method, content and scope of use of the collection in the clauses, and remind financial consumers of the possible consequences of the consent in a conspicuous way as easily as possible.

　　At the same time, financial institutions shall use consumer financial information in accordance with the provisions of laws and regulations and the purposes agreed by both parties, and shall not use it beyond the scope.

　　Can’t "throw the pot" to the outsourcing service provider

　　The "Implementation Measures" stipulate that the obligation of financial institutions to protect consumers’ financial information security will not be transferred or reduced because of their cooperation with outsourcing service providers.

　　Financial institutions shall fully review and evaluate the ability of outsourcing service providers to protect consumers’ financial information, clarify the responsibilities and confidentiality obligations of outsourcing service providers to protect consumers’ financial information in relevant agreements, and take necessary measures to supervise outsourcing service providers to perform the above responsibilities and obligations. After the termination of the cooperative relationship, the financial institution shall supervise the outsourcing service provider to destroy the consumer financial information obtained from the financial institution in time.

　　Encourage financial institutions to transfer their financial information to other financial institutions designated by financial consumers on the premise of technical feasibility.

　　What if something goes wrong?

　　The "Implementation Measures" clarify that if there is a financial consumption dispute between financial consumers and financial institutions, they should first complain to the financial institutions. If a financial consumer does not accept the handling of complaints made by a financial institution, he may make a complaint through the branch of the People’s Bank of China where the financial institution has its domicile or where the business behavior takes place.

　　After receiving complaints from financial consumers, the branches of the People’s Bank of China can answer whether to accept them on the spot, and should answer them on the spot; If you can’t answer on the spot, you should make a decision on whether to accept it within 7 working days from the date of receiving the complaint; If the complainant needs to make corrections to the complaint application, he shall make a decision on whether to accept it within 7 working days from the date of completion of the correction. For complaints that are not accepted, the complainant shall be informed of the reasons for not accepting them. For the complaints received, the complaint shall be transferred to the complained financial institution for handling or to the financial consumer dispute mediation organization to provide mediation services within 5 working days from the date of receiving the decision.

　　The financial institution shall reply to the complainant within 15 working days from the date of receiving the complaint forwarded by the branch of the People’s Bank of China. If the situation is complicated, the handling period may be extended, and the complainant shall be informed of the reasons for the extension, but the longest handling period shall not exceed two months. (Reporter Cheng Wei)

＂Changsha Nightlife＂ reveals that Zhang Jingyi shares her deep bond with Changsha.


1905 movie network news The film produced by, producer, screenwriter and director, starring,,,,, Wu Jun and Luo Gang, especially starring, and friendship has recently released a reply notice. From "The Sender Changsha" to the reply notice, Changsha and Changsha people have formed a moving response in both directions.

In the preview, director Zhang Ji shared the story of his reconciliation with his father in Changsha after the college entrance examination. Zhang Jingyi, the leading actress, shared her experience of receiving the notice of Nortel Art Examination when she was studying in Changsha. The cheers of the whole class became an unforgettable memory for her. The comic actor soldier, who is also a native of Changsha, Hunan Province, also made a surprise appearance in the preview and shared his memories of Changsha.The preview focuses more on every Changsha person who lives here. Everyone is the protagonist in his own life. Through these stories, he will show the love and tolerance of Changsha to everyone. Changsha Night has both their stories and their lives.



Director Zhang Ji reconciled with his father in Changsha.

Starring Zhang Jingyi shares the exciting moment of the college entrance examination.


The reply notice invited director Zhang Ji and starring Zhang Jingyi to share their stories with people living in Changsha. This city has witnessed countless life choices, emotional stories, work experiences and juvenile growth, and cured countless regrets. The story of Changsha shared by Zhang Ji is related to his father. Changsha witnessed the departure of young Zhang Ji after the college entrance examination, and also witnessed his silence and reconciliation with his father.

In the director’s eyes, Changsha is a city with almost no boundaries between day and night. After the theme song was released, he wrote a letter specially for Changsha. The letter said: "At one o’clock in the middle of the night, the people in the west were crowded with people, and the fireworks came to my face. The young people in the street lived fearlessly." It is these ordinary people who keep fighting for their lives that bring him inspiration and strength to shoot Changsha stories. The memory of Changsha, starring Zhang Jingyi, is a youthful time. She studied at Tongshenghu Experimental School in Changsha. When she learned that she had passed the exam of Nortel, the whole class applauded and cheered for it. This was an unforgettable happy time for her.


In this city full of youthful memories, it also contains countless people’s lives. Five minutes before the New Year’s Eve, she proposed marriage, owned her own house in a city, walked alone by the Xiangjiang River after breaking up with her boyfriend, and watched fireworks on the Xiangjiang River on weekends. This reply to Changsha contains too many people’s happiness and regret. When it comes to Changsha, food is also a label full of Hunan flavor: "Changsha people’s day begins with a bowl of powder and ends with a bowl of powder." The night covered by fireworks cages is another soul of Changsha. In the food stalls in the middle of the night, three or five friends meet and talk about powder in the lively night market.In the long lane of the market in the early morning, diners who come out for breakfast will meet the snack board that has not yet finished, and everyone here is enjoying the happiness brought by delicious food. This is the mutual tolerance, mutual giving and mutual achievement between a group of people and a city. Whether they grew up in Changsha or came to Changsha from a foreign land, everyone got love and warmth here and realized their dreams at the same time. It also made many viewers begin to recall when their fate with a city began.


YIN FANG Zhang Jingyi LAY opens an emotional story

Changsha nightlife is also a city nightlife.


　The reply notice shows the story that happened here, which has formed a deep bond between Changsha people and Changsha, and the emotion between people and the city is touching. As director Zhang Ji said, "My classmates and friends have many emotional stories in Changsha". He also put these emotional stories in movies. The story of He Xixi (Zhang Jingyi) is about love. With the feeling of leaving the city, she meets Jing Weiwei (YIN FANG), who is frustrated and down. They meet for a night tour in Changsha and walk side by side through the streets of Changsha bearing countless life memories, turning an ordinary night tour into a journey to heal themselves. The story of He An (LAY), a talk show actor, is about family ties. Facing the frustration of his career, the contradiction between him and his father (Luo Gang) is getting worse and worse. How to resolve it has become a knot between them. Full of loss, he went to the food stall of his mother, Sister Li (Sophie Su), and was cured by a hug and a simple comfort … … If you don’t know how to start after dawn, let the fireworks of the city give you the strength and courage to move forward.


The film "Changsha Nightlife" takes Changsha as the carrier, and takes the young people whose lives are lost as the scene, why not; He An, frustrated in the workplace and injured in family of origin; From the perspective of ordinary people such as Chen Qingzhi and Liang Baoqi, migrant workers in a foreign land, they show the difficulties people face in their life choices, emotions, work and family, and build a real and emotional picture of contemporary urban life, just as the film’s main creator expressed: "What happened in the film is not only the story of Changsha, but also the story of China."


The film "Changsha Nightlife" was produced by Chen Kexin and Zhao Xiaoshi, written and directed by Zhang Ji, starring YIN FANG, Zhang Jingyi, Sophie Su, Wu Haochen, Bai Yufan, Zhou Siyu, Wu Jun and Luo Gang, with LAY as a special star and Zhou Dongyu and Wang Lixin as a friendly star. It will be shown nationwide on April 28th during the May Day holiday.