分类： xiyu

　　According to a number of media reports, the People’s Bank of China and China Banking and Insurance Regulatory Commission recently jointly issued the Notice on Doing a Good Job in Financial Support for the Stable and Healthy Development of the Real Estate Market (hereinafter referred to as the Notice).

　　On November 14th, The Paper verified from trust, insurance and other institutions that he had received the Notice.

　　The "Notice" promulgated 16 financial measures to support the real estate market, involving financial institutions including commercial banks, policy banks, trust companies, insurance companies and financial asset management companies.

　　State-owned and private housing enterprises are treated equally, and support the reasonable extension of stock financing such as development loans and trust loans.

　　In order to keep real estate financing stable and orderly, the Notice proposes that, first, we should adhere to the principle of "two unwavering" and treat all kinds of real estate enterprises, such as state-owned and private enterprises, equally. Encourage financial institutions to focus on supporting the steady development of real estate enterprises with perfect governance, focus on their main businesses and good qualifications. Support the project sponsor bank and syndicated loan model, strengthen the management of the whole process of loan approval, issuance and recovery, and effectively ensure the safety of funds.

　　The second is to support all localities to implement differentiated housing credit policies based on national policies, reasonably determine the down payment ratio of local individual housing loans and the lower limit of loan interest rate policies, and support rigid and improved housing demand.

　　The third is to stabilize the credit supply of construction enterprises. Encourage financial institutions to optimize credit services for construction enterprises on the basis of controllable risks and sustainable business, provide necessary loan support, and maintain continuous and stable financing for construction enterprises.

　　Fourth, support the reasonable extension of stock financing such as development loans and trust loans. For stock financing such as development loans and trust loans of real estate enterprises, under the premise of ensuring the security of creditor’s rights, financial institutions and real estate enterprises are encouraged to negotiate independently on the basis of commercial principles, and actively support them by extending the stock loans and adjusting repayment arrangements to promote the completion and delivery of projects. As of the date of issuance of this notice,Due in the next six months, it can be extended for one year beyond the original provisions, without adjusting the loan classification.The loan classification submitted to the credit information system is consistent with it.

　　The fifth is to keep bond financing basically stable. Support high-quality real estate enterprises to issue bonds for financing. Promote professional credit enhancement institutions to provide credit enhancement support for the bond issuance of real estate enterprises with overall financial health and short-term difficulties. Encourage bond issuers and holders to communicate in advance and make arrangements for bond redemption funds. If it is indeed difficult to pay on schedule, reasonable arrangements such as extension and replacement shall be made through consultation to actively resolve risks. Support bond issuers to buy back bonds in domestic and foreign markets.

　　The sixth is to maintain the financing stability of asset management products such as trusts.Encourage trust and other asset management products to support the reasonable financing needs of real estate.. Encourage financial institutions such as trust companies to speed up business transformation, support the reasonable financing needs of real estate enterprises and projects according to the principles of marketization and rule of law on the basis of strictly implementing the regulatory requirements for asset management products and doing a good job in risk prevention and control, and provide financial support for real estate enterprise project mergers and acquisitions, commercial pension real estate, rental housing construction, etc. according to laws and regulations.

　　Actively do a good job in the financial services of "guaranteed delivery building" and support relevant banks to add supporting financing support.

　　As for the financial services of Baojiaolou, the Notice proposes to support China Development Bank and Agricultural Development Bank to issue special loans of Baojiaolou to borrowers who have been reviewed and filed in compliance with the law, efficiently and orderly in accordance with relevant policy arrangements and requirements, with closed operation and special funds earmarked for supporting the accelerated construction and delivery of sold overdue residential projects.

　　After the special loan support project clarifies the creditor’s rights and debts, the special loan and the new judicial guarantee for supporting financing, financial institutions, especially the main financing commercial bank of the project personal housing loan or its leading syndicates, are encouraged to follow the principles of marketization and rule of law.Provide new supporting financing support for special loan support projects.To promote the resolution of the risk of personal housing loans that have not been handed over.

　　Actively cooperate with the risk disposal of trapped real estate enterprises and actively explore market-oriented support methods.

　　"Notice" said that it is necessary to do a good job in financial support for real estate project mergers and acquisitions and actively explore market-oriented support methods. Encourage commercial banks to carry out M&A loan business for real estate projects in a steady and orderly manner, and focus on supporting high-quality real estate enterprises to merge and acquire troubled real estate enterprise projects. Encourage financial asset management companies and local asset management companies (hereinafter referred to as asset management companies) to give full play to their experience and ability in the disposal of non-performing assets and risk management, and consult with local governments, commercial banks, real estate enterprises, etc. on risk resolution models to promote the accelerated disposal of assets. Encourage asset management companies to cooperate with third-party institutions such as law firms and accounting firms to improve the efficiency of asset disposal. Support qualified commercial banks and financial asset management companies to issue real estate project M&A themed financial bonds.

　　For some projects that have entered the judicial reorganization, financial institutions can help promote the project to return to work and deliver according to the principles of independent decision-making, self-risk and self-financing. Encourage asset management companies to participate in project disposal by acting as bankruptcy administrators and reorganizing investors. Support qualified financial institutions to steadily explore ways to solve the risks of trapped real estate enterprises in accordance with laws and regulations by setting up funds, and support the completion and delivery of projects.

　　Protect the legitimate rights and interests of housing finance consumers and personal credit rights and interests according to law.

　　The "Notice" emphasizes encouraging independent negotiation in accordance with the law to postpone the repayment of principal and interest, and effectively protecting the personal credit rights of deferred loans. Specifically, for individuals who are hospitalized or isolated due to the epidemic, or who have lost their sources of income due to the suspension of business and unemployment due to the epidemic, and personal housing loans that have been changed or cancelled due to the purchase contract, financial institutions can independently negotiate with the buyers according to the principles of marketization and rule of law, and make adjustments such as extension. All parties concerned must abide by the rules, abide by the contract and fulfill their commitments. In this process, financial institutions should do a good job in customer service, strengthen communication, protect the legitimate rights and interests of financial consumers according to law, and classify assets according to relevant regulations. Acts of malicious evasion of financial debts shall be dealt with according to laws and regulations to maintain a good market order.

　　In terms of personal credit rights, if the repayment arrangement of personal housing loans has been adjusted, financial institutions shall submit credit records according to the new repayment arrangement; If it is determined by the judgment or ruling of the people’s court that it should be adjusted, the financial institution shall adjust the credit records according to the effective judgment or ruling of the people’s court, and adjust those that have been submitted. Financial institutions should properly handle relevant credit objections and protect the rights and interests of information subjects according to law.

　　Adjust some financial management policies in stages to accelerate the marketization of real estate risks.

　　According to the Notice,Extend the transition period arrangement of real estate loan concentration management policy and optimize the financing policy of real estate project M&A in stages.. For banking financial institutions that can’t meet the requirements of real estate loan concentration management as scheduled due to objective reasons such as epidemic situation, the People’s Bank of China, China Banking and Insurance Regulatory Commission or branches of the People’s Bank of China, and China Banking and Insurance Regulatory Commission dispatched offices will reasonably extend their transition period according to the relevant provisions on the management of real estate loan concentration, based on the actual situation and through objective evaluation.

　　At the same time, relevant financial institutions should make good use of the staged real estate financial management policies that have been promulgated by the People’s Bank of China and China Banking and Insurance Regulatory Commission, which are applicable to major commercial banks and national financial asset management companies, and accelerate the market-oriented clearing of real estate risks.

　　Increase financial support for housing leasing and broaden diversified financing channels in relevant markets.

　　The "Notice" proposes to optimize housing rental credit services and broaden diversified financing channels in the housing rental market. Guide financial institutions to focus on increasing credit support for self-sustaining property-based housing leasing enterprises with independent legal person operation, clear business boundaries and real estate professional investment and management capabilities, rationally design loan terms, interest rates and repayment methods, and actively meet the medium and long-term capital needs of enterprises. Encourage financial institutions to provide financial support for various entities to purchase and rebuild real estate projects for housing leasing in accordance with the principles of marketization and rule of law. Loans issued by commercial banks to affordable rental housing projects that hold the confirmation of affordable housing rental projects are not included in the concentration management of real estate loans. Commercial real estate is transformed into affordable rental housing, and after obtaining the confirmation of affordable rental housing, the bank’s loan term and interest rate are applicable to the relevant policies of affordable rental loans.

　　At the same time, support housing leasing enterprises to issue direct financing products such as credit bonds and guarantee bonds, which are specially used for the construction and operation of rental housing. Encourage commercial banks to issue financial bonds to support housing leasing, and raise funds to increase the development and construction loans and operating loans for housing leasing. Steadily promote the real estate investment trust funds (REITs) pilot.

　　CCTV News:According to the website of the Central Meteorological Observatory, the Central Meteorological Observatory predicts that there will be a rain and snow weather process in southwest China, Jiangnan and South China from the night of December 26 to 29, and there will be heavy snowstorms in Guizhou, Hunan, Chongqing, Hubei and Tibet. The main snowfall period in this process is from the night of the 27th to the 28th, of which the night of the 27th is the strongest snowfall period. Please pay attention to the latest forecast and early warning information released by the meteorological department in the above areas, and do a good job in cold protection and travel planning.

　　During the process, there were small to medium snow or sleet in southeastern Tibet, northern Yunnan, western Sichuan Plateau, southeastern Chongqing, Guizhou, western and northern Hunan, western Hubei, southern Anhui, northwestern Zhejiang and other places, and heavy snowstorms occurred in central and eastern Guizhou, western Hunan, southeastern Chongqing, southwestern Hubei, southeastern Tibet and other places, with accumulated snowfall of 8-12mm and local snowfall of 15-18mm. The newly added snow depth in Guizhou, western Hunan, southeastern Chongqing, southwestern Hubei and southeastern Tibet is 4-10 cm, and the local area in eastern Guizhou, western Hunan and southeastern Tibet can reach 12-16 cm.

　　In addition, there is freezing rain in western Guizhou. There are light rains in Sichuan Basin, south-central Yunnan, southern Hunan, most of Jiangxi, most of Zhejiang, northern Fujian, Guangxi, northern Guangdong and other places, with local moderate rain.

　　In addition, from December 31 to January 2, 2023, a new cold air will affect the central and eastern regions of China. During this period, the temperature in most areas will drop by 4 ~ 6 C, and the local drop can reach about 8 C. The area north of the Yangtze River is accompanied by northerly winds of 4 ~ 5. There will be light snow or sleet in the southeast of northwest China, Huanghuai, northern Jianghuai, Jianghan, western Hunan and northern Guizhou, and light rain in southern Jianghuai, northern Jiangnan and eastern Sichuan.

　　Meteorologists reminded that there will be rain and snow in Tibet, Sichuan, Chongqing, Guizhou, Hunan, Hubei, Anhui, Zhejiang and other places, and there will be freezing rain in western Guizhou. The public should make travel plans in advance and pay attention to traffic safety; Add clothes in time to keep warm, and beware of the adverse effects of continuous low temperature weather on human health.

Source: [Weihai News Network]

A few days ago, Ma Honeycomb released the 2023 Tourism Big Data Report, and Weihai was selected respectively.The popularity of "eco-travel" soared to the first place.、8 th place in the popular city of "seaside island tour"、19th place in the hottest city in 2023.. Besides,Haiyuan Park and NaxianghaiSelected respectively, the heat soared in 2023.1st and 8th places of "Seaside Island" scenic spot..

This article comes from [Weihai News Network] and only represents the author’s point of view. The national party media information public platform provides information dissemination and dissemination services.

ID：jrtt

Wen | Li can do it.

Source: reading at ten o’clock (ID:duhaoshu)

Go to exercise, life doesn’t start too late.

Sport is a weapon against time.

When it comes to 80 years old, what comes to your mind first?

Is it gray-haired and old, sitting in the streets and enjoying the sunrise and sunset?

Are you sick and weak, lying in a hospital bed, relying on pills to continue your life?

Academician Zhong Nanshan gave us a different answer.

Can you imagine? This time, the academician who stood up in the epidemic and fought continuously for more than 40 days is 84 years old.

The epidemic situation is fierce, and it is normal for front-line staff to work continuously for 15 or 16 hours every day.

But every time facing the camera, Academician Zhong Nanshan is always full of energy, clear in logical thinking and forceful in his speech.

Many young people can’t keep up with this work intensity, let alone the elderly in their octogenarians.

Therefore, netizens began to "question" his age:

But in fact, Academician Zhong Nanshan once revealed the secret of his age-sports in an interview.

"Exercise has helped me a lot. Now I am over 70 years old. I don’t feel anything about being old and having poor memory."

Is should be the sentence:Behind all Excellence, there is self-discipline like an ascetic monk.

Although he is busy at work, he insists on exercising three or four times a week.

"First run for 25 minutes, exercise the lower limbs and internal organs, then do bar-ups, 20 in one breath, and then 10 pull-ups and sit-ups in one breath to exercise the upper limb strength."

This training intensity has made many young people feel ashamed.

In order to use more time for exercise, Zhong Lao also set up a simple gym in his home.

There are dumbbells, spinning bikes, treadmills, tensioners and other commonly used fitness equipment.

Even the doorframe has become his sports equipment for doing pull-ups.

Even on a business trip, he will take a stretcher and do some simple strength exercises, or do push-ups, sit-ups, leg lifts in situ, etc. with his bare hands, and never miss any opportunity for exercise.

This is how the gap between people is widened.

Persisting in exercise for decades has given him a strong physique beyond his age.

In 2005, Zhong Nanshan, who was nearly 70 years old, also served as the main force of the hospital basketball team.

Dribbling, shooting, action in one go, not the slightest bit overwhelmed.

In 2015, seventy years of age’s Zhong Lao is still charming.

Muscular, graceful and full of strength, this figure can still hang many peers.

Zhong Nanshan once said: "Now many young people, because they have not developed a correct lifestyle, will have various diseases in their bodies and their organs will age faster."

I think that’s because he knows,Persistence in sports is the best weapon against time.

It is said that time and tide wait for no man, but it will also be quietly kind to those who insist on sports.

Give them healthy bodies, give them full energy and give them the confidence to live.

Exercise and no exercise lead two kinds of lives.

There is a good saying:Your face is your best business card.

Young in appearance, to a great extent, comes from a healthy lifestyle.

There was an organization that investigated 84 male and 41 female cyclists and found that:

Compared with people who don’t exercise regularly, these cyclists don’t lose their muscle content and strength with aging, their body fat and cholesterol levels don’t increase, and their immune systems are as strong as those of young people.

The results show that regular exercise is the best choice to fight aging.

The 22-year-old little dragon girl is immortal;

The 53-year-old Carman Lee still looks forward to life;

Time is fair to everyone except the self-disciplined;

18-year-old Karen Mok Grinch;

Karen Mok, 50, is still bumpy;

It’s not natural to be out of shape. How self-disciplined you are, how beautiful you are.

The 33-year-old Yan Ni suffered a marriage change and was in a very poor state.

But at the age of 46, NI YAN began to change.

It is not impossible to grow backwards.How hard you work, how lucky you are.

Time never defeats beauty, because beauty never gives time to destroy them.

When you eat and drink, they sweat in the gym;

When you choose to play with your mobile phone after work, they are doing yoga to relax;

When you press the alarm clock and want to sleep for ten more minutes, they have put on their sportswear and started running in the morning.

In many cases, it is not what kind of figure chooses you, but what kind of figure you choose.

The dividend brought by sports may not be seen in a short time, but as long as you persevere, quantitative change will inevitably lead to qualitative change.

Compared with skin care products, exercise is a better skin care product and maintenance product.

Exercise is a good medicine to cure life.

The old Greek saying goes:

The best doctors of mankind are air, sunshine and exercise. It treats not only the body, but also the heart.

Readers have told me many stories about her first love.

Duoduo and her boyfriend are college classmates, and they were together when they were freshmen, and their feelings have been very stable.

In their junior year, they are going to take the postgraduate entrance examination together.

But by chance, she found that her boyfriend was having an ambiguous relationship with other girls on WeChat.

And that girl is recognized as the flower of their college.

Two years of love, it is really not an easy thing to let go, and this is her first love.

After breaking up, Duo Duo began to deny himself:

Is it because I’m not beautiful enough? Is it because I’m not good enough? Is it because I’m too angry?

Many people who were tortured by lovelorn couldn’t concentrate on preparing for the exam at all. In order to relieve the pain in her heart, she began to overeat.

After more than a month, her roommates really couldn’t stand it.

They bought an oversized mirror and pushed Duo Duo in front of it.

See yourself in the mirror, many suddenly froze:

Under the messy hair is a swollen and pale face. The dark circles caused by staying up late can’t even cover the black-rimmed glasses, and many red and swollen acne on the forehead and cheeks are simply terrible.

My face is fat, and the fat on my stomach can no longer be hidden.

That is, from that moment on, I realized a lot.

At the suggestion of her roommate, she started running and ran down around the plastic track in the playground. Although she sometimes felt uncomfortable, she cried, tears and sweat mixed together and dried up.

After that, she picked up the postgraduate books again.

In the evening, when it’s easy to think, I go to the playground for a few laps. If you are tired, you can have a good sleep.

Later, many people were admitted to the prestigious school that they had been longing for for for a long time.

The habit of running has also been adhered to.

By the time I graduated, Duoduo had changed from a chubby little girl to a slim girl.

"I am very grateful to my roommates. If they didn’t force me to run, I might not be able to walk out for a year or two.I am also grateful for running, because it has taught me many things, such as persistence and self-confidence.“

There is a question in Zhihu: What changes have taken place in your life since you insisted on exercising?

There is a highly praised answer: exercise has given me a chance to be born again.

When all your cells are awakened and all your fat is burning, you can feel the vigorous vitality.

The failure in life is really very small in front of the tension of life.

I think this is the power of sports.

Although it is not a panacea, it can help us heal the suffering of life.

It can not only improve our figure and posture, but also help us cultivate our hearts.

Exercise is an investment with the highest rate of return and will never regret it. When you start to fall in love with sports, your health will fall in love with you.

Exercise is the lowest self-discipline.

I have heard such a funny and heartfelt saying: "There is no easy word in the world of adults, but it is easy to get old and fat."

Time is a butcher knife, mercilessly taking away our slim and compact figure, leaving a beer belly, swimming ring and unicorn arm.

On the one hand, we are shivering at the rising blood sugar, on the other hand, we are willing to be a "fat circle" by giving up on ourselves.

Everyone who doesn’t like sports can find many excuses for himself.

For example, I am too busy at work to exercise, or the fitness card is too expensive to exercise.

I don’t know that those who are better than you and busier than you are making time for exercise.

Zuckerberg, the head of Facebook, manages a company with a market value of 40 million to 50 million, and still finds time to exercise and exercise every day.

Wang Jianlin, the chairman of Wanda Group, has a full schedule every day, but the first thing to get up every day is exercise.

Ma Yun, the founder of Alibaba Group, made sports one of his annual goals in 2018.

Successful people are successful because they have super self-management ability.

Without exception, these elites regard sports as an important option in life because they all understand:

A healthy body is the premise of a good job. Insisting on exercise is responsible for your health and your career and family.

"You must be full of energy to deal with the world. “

Finally, let me show you a set of pictures:

You never know how handsome/beautiful you are after exercising.

On the first day of exercise, you are no different from others;

Keep exercising for a month, and you still can’t see a significant difference;

Stick to exercise for a year, and you find that there is less fat on your stomach;

Keep exercising for three years, and your skin is getting better and better;

Stick to exercise for ten years, and the gap between you and others will widen;

When you reach your old age and your peers are inconvenient to move, you can walk to the seaside to watch the sunrise;

When your peers are sick, your health is strong, which is the most precious wealth for your children.

So, go to exercise, life doesn’t start too late.

Every drop of sweat you pay for exercise will not flow in vain, and every step you take will not be wasted, and they will all contribute to your health.

Li can, Chinese language and literature unqualified graduates, accompany you to dream and brag. Ten o’clock gentleman’s people. This article started reading at 10: 00 (ID: duhaoshu), which is a national reading size subscribed by more than 29 million people.

Anchor:Xiaojun, unlike the post-90s generation, although the world is cold and hard, there are still people and things that move us, and I am lucky to be a person who conveys beauty with my voice. Sina Weibo @ Mu Zhiqing.