First, the national lottery sales

　　In December, the national lottery sales totaled 53.284 billion yuan [1], a year-on-year decrease of 8.565 billion yuan or 13.8%. Among them, the sales of welfare lottery institutions was 17.476 billion yuan, an increase of 5.646 billion yuan, an increase of 47.7%; The sales of sports lottery institutions reached 35.808 billion yuan, a year-on-year decrease of 14.211 billion yuan or 28.4%. Mainly because of football in the same period last year.The base of the pulling factors of the event is high.

　　From January to December, the national lottery sales totaled 579.696 billion yuan, an increase of 155.044 billion yuan or 36.5%. Among them, the sales of welfare lottery institutions was 194.441 billion yuan, an increase of 46.311 billion yuan, an increase of 31.3%; The sales of sports lottery institutions reached 385.255 billion yuan, an increase of 108.733 billion yuan or 39.3%.

　　Second, the sales of lottery tickets by type

　　In December, lottery digital lottery sales reached 16.952 billion yuan, a year-on-year increase of 29.3%. The sales of quiz lottery tickets was 22.431 billion yuan, down 47.8% year-on-year; The sales of instant lottery tickets reached 10.224 billion yuan, a year-on-year increase of 214.4%; Keno lottery sales reached 3.676 billion yuan, a year-on-year increase of 47.3%. In December, the sales volume of digital lottery, quiz, instant lottery and Keno lottery respectively accounted for 31.8%, 42.1%, 19.2% and 6.9% of the total lottery sales, and the sales volume of video lottery was 140,000 yuan, an increase of 120,000 yuan year-on-year.

　　From January to December, the sales of lottery digital lottery tickets reached 176.803 billion yuan, an increase of 21.385 billion yuan or 13.8%. The sales of quiz lottery tickets was 246.476 billion yuan, an increase of 65.550 billion yuan or 36.2% year-on-year; The sales of instant lottery tickets reached 119.021 billion yuan, an increase of 59.574 billion yuan or 100.2%. The sales of Keno lottery tickets reached 37.394 billion yuan, up 8.534 billion yuan or 29.6% year-on-year. From January to December, the sales volume of digital lottery, quiz, instant lottery and Keno lottery respectively accounted for 30.5%, 42.5%, 20.5% and 6.5% of the total lottery sales. Video lottery sales reached 1.53 million yuan, up 930,000 yuan year-on-year.

　　Third, the sales of lottery tickets by region

　　In December, compared with the same period of last year, the lottery sales in various provinces in China were mixed, among which Hunan, Guangdong, Chongqing and Xinjiang increased more, increasing by 231 million yuan, 191 million yuan, 163 million yuan and 138 million yuan respectively. Jiangsu, Zhejiang, Shandong, and Sichuan saw a large decline, with a year-on-year decrease of 1.722 billion yuan, 1.106 billion yuan, 735 million yuan, and 659 million yuan respectively.

　　From January to December, compared with the same period of last year, lottery sales in all provinces in China increased, with Guangdong, Jiangsu, Zhejiang and Shandong increasing by 16.321 billion yuan, 12.946 billion yuan, 12.442 billion yuan and 10.832 billion yuan respectively.

　　Lottery agencies at all levels should closely follow and analyze new situations and new problems, effectively strengthen the issuance and sales of lottery tickets, and ensure the smooth operation of the market. Financial departments at all levels should further strengthen lottery supervision, actively create a good external environment, maintain market order, and promote the sustained and healthy development of lottery.

　　Remarks: [1] The sales volume of lottery digital lottery tickets is counted according to the end time of the sales period; Traditional football of quiz lotteryAnd counting the sales volume according to the end time of the sales period in the single-game quiz with regional networking, and counting the sales volume according to the lottery time of the betting content in the single-game quiz with national networking of quiz lottery tickets; Instant lottery tickets count sales according to sales time; Video lottery statistics sales according to sales time; The sales volume of Keno lottery tickets is counted according to the end time of the sales period.

　　BEIJING, Jan. 15 (Reporter Shangguan Yun) Every winter, the howling cold wind becomes the standard, especially in the northern part of China, where it is often freezing, and people have to wrap themselves up from head to toe when they go out.

　　Even now, how did people spend the winter in ancient times when the material conditions were relatively poor and there was no heating?

　　How to keep the house warm? Get to know the fire wall and fire resistance

　　One winter many years ago, Bai Juyi, a great poet, wrote a poem, "I know that the snow is heavy at night, but I can hear the sound of bamboo breaking", lamenting that the bedding is cold and the heavy snow has broken the bamboo, which shows that the weather is cold. In the cold winter, a warm house is undoubtedly the best way to keep warm.

　　Data map: Students are experiencing the northeast folk fire kang. Photo by Liu Dong

　　In ancient times, fireplaces and fire walls were all good ways to keep warm. People build a house wall into a hollow sandwich wall, and a fire tunnel is dug under the wall. There are air holes at the end of the fire tunnel to discharge smoke, and the charcoal port for adding fire is under the eaves of the house. After the charcoal fires, the heat can be transferred to the whole house along the sandwich wall. This kind of sandwich wall is called "fire wall".

　　The farther north, the colder and longer the winter is, and the "fire kang" has become a good way to resist the cold. Kang has a stove mouth and a smoke mouth, which are used for heating and smoke exhaust respectively. In the north of China, the stove mouth of the kang is mostly connected with the stove, so it can keep warm when cooking.

　　The heating facilities in the palace are more exquisite. For example, in the Western Han Dynasty, there was a greenhouse hall in the court, which was equipped with various warm-keeping facilities. "Miscellanies of Xijing" records: "The greenhouse hall is painted with pepper and mud, and the wall is covered with splendid flowers, with cinnamon as the main part, and a fire mica screen … …”

　　At that time, the palace where the Queen lived was called "pepper room temple", and the mixture of pepper and mud was used as the material for painting the walls, which not only allowed the temperature to be measured, but also had a faint fragrance.

　　If there were no conditions, the ancients would use the warm sunshine as much as possible, and when building a house, they would choose the orientation of "sitting north facing south" to let the warm sunshine shine into the house; Then, put a bamboo ceiling or other "floor" on the roof to prevent dust and keep out the cold.

　　Warm wine and hot pot … … Winter fancy diet

　　Data Map: People are waiting for boiling around the "Ice and Snow Hot Pot". Photo by Liu Wenhua

　　In winter, the human body has a high demand for calories, so the ancients would choose to eat some warm food as much as possible. Such as ginger, mutton and dog meat.

　　The ancients thought that drinking alcohol could warm the body. Bai Juyi mentioned in "a suggestion to my friend liu", "Green ant new baked wine, there’s a stir of red in the quiet stove. There’s a feeling of snow in the dusk outside, what about a cup of wine inside?? " Scholars sit around the fire in the cold winter, make a pot of hot tea or wine, and have a drink with friends at night, which is also very comfortable.

　　Hot pot is naturally a standard in winter diet. There is a saying that hot pot was called "antique soup" in ancient times, and it was named after the "splash" sound when food was put into boiling water.

　　By the Song Dynasty, eating hot pot was more common. In Lin Hong’s cookbook Shan Jia Qing Gong in the Southern Song Dynasty, there was an introduction similar to eating hot pot.

　　Warm hat, gloves and coat … … Tips for keeping clothes warm

　　In winter clothes, modern people have cotton-padded jackets and down jackets, but the ancients were not so well treated. It is said that in winter, poor families can only sew catkins and reed flowers into clothes or quilt covers to keep out the cold. After cotton was planted and applied in a large area, the situation was better.

　　In the TV series A Dream of Red Mansions, people’s costumes after the snow. Image source: 87 version of "Dream of Red Mansions" video screenshot

　　Wealthy people with well-to-do families will choose to make coats and cloaks with animal fur, so as to keep out the wind. Hands and feet are prone to frostbite, so the ancients made various styles of gloves, some of which were short gloves with fingers exposed, and some of which could wrap all the fingers with patterns embroidered on them, which was very fashionable.

　　The warm-keeping measures for the head are even more varied. In the Tang Dynasty, there was a kind of "Fanmao" that came from the western regions. It was also called "ear cap", and there were ear protectors on both sides of the hat, which hung down just to protect the ears in winter. In the Yuan Dynasty, wealthy women used a trowel to keep warm, and there were "lying rabbits" and "Zhao Jun sets", which had similar functions.

　　No matter how warm the room is, people still have to go out. At that time, riding a horse or riding a carriage was a faster mode of transportation. When traveling in winter, people would wear hoods to keep out the wind and sand. It is said that Kublai Khan had many warm hats of skin and silver mouse.

　　In addition, there is something called "ear warming", which is made of fox skin, a bit like earmuffs used by modern people.

　　"Cold artifact"? Soup woman and hand warmer can have.

　　While paying attention to keeping warm, people will also have various small objects called "cold-proof artifacts" at hand, such as "soup woman", hand stove, foot stove and so on. In addition, families with conditions use artificial charcoal for heating, and aristocratic homes pay more attention to it.

　　Data Map: Dunhuang Research Institute combed and summarized the life interest of ancient people in the statues, murals and Dunhuang suicide notes in the ancient Dunhuang Grottoes, that is, decorating incense burners to add fragrance to winter. The picture shows the incense burner displayed in the silk painting "Shuiyue Guanyin Bodhisattva (partial)" unearthed in Dunhuang Tibetan Sutra Cave. Photo courtesy of Dunhuang Research Institute

　　Su Shi, Zeng Zeng, gave an old man a "copper leg warmer", and wrote to tell him how to use it: fill the hot soup, plug the water inlet, wrap the cloth sheet, and sleep very warm at night. Judging from the efficacy, it is a bit like a hot water bottle today.

　　If you are worried that it is not warm enough, you can consider going to the stove or smoking cage. The shapes and sizes of smoking cages vary: the big ones can reach hundreds of kilograms; Small ones can be lifted, and elegant people will carve exquisite patterns on them, which is quite artistic.

　　Hand-held stoves can be called "warm babies" in ancient times, which can be carried around, and also have the elegant names of "sleeve stoves" and "holding stoves"; There is a hand stove, and naturally there is a foot stove. As the name implies, this is used to warm feet. Others use a "fuming stove" to adjust the room temperature, and put some spices in it to make the room full of incense after heating, killing two birds with one stone.

　　In fact, the ancients did not have heating and various advanced measures to keep out the cold, but they combined with real life and invented many items to solve the heating problem, and many designs have been extended to the present. (End)

　　With the global major housing market cooling down, Singapore’s real estate prices have risen for 12 consecutive quarters. In order to solve this problem, at the end of April, the Singapore government raised the additional buyer stamp duty (ABSD) for foreigners to purchase residential properties by 30 percentage points to 60%, with immediate effect from April 27th.

　　This has caught many real estate agents and property buyers off guard. "Take a private house worth 2 million Singapore dollars as an example, which means that the extra buyer stamp duty that foreign buyers have to pay will soar from 600,000 Singapore dollars to 1.2 million Singapore dollars (about 6.21 million yuan)." Deng Minjie, executive director of AsianPrime Properties, told the First Financial Reporter.

　　The New Deal was introduced because with the high housing prices, Singaporeans are increasingly worried about being squeezed out of the housing market, and high housing prices may also make Singapore less attractive as an international financial center.

　　According to the latest data from the Urban Renewal Authority of Singapore, the price of private housing in Singapore rose by 3.3% in the first quarter, compared with only 0.4% in the previous quarter. In 2021 and 2022, local house prices increased by 10.6% and 8.6% respectively.

　　The third round of cooling in two years

　　In other major international metropolises, the proportion of ABSD is much lower. For example, the tax rate for foreigners to buy a house in Vancouver is 29%, while the tax rates in London, Melbourne and Sydney are around 14%. New york’s tax rate is only 4.3%.

　　In a joint statement, the Ministry of Finance, the Ministry of National Development and monetary authority of singapore explained the new policy: "The demand of local people to buy their own houses has been particularly strong, and local and foreign investors have shown renewed interest in our residential real estate market.If not controlled, the price may exceed the economic fundamentals. At the same time, there is a risk that the ratio of price to income will continue to rise."

　　Deng Minjie told CBN that under the risk of high loan interest rate environment and global economic challenges, stabilizing real estate prices is the top priority of the Singapore government. "This round of cooling measures is to slow down the purchase demand, especially the purchase demand of investors and foreigners."

　　In fact, this is the third cooling measure for real estate since the COVID-19 epidemic. In December 2021 and September 2022, the government took similar early preventive measures, which had a "mitigation effect".

　　For example, the stamp duty of foreign buyers in Singapore increased from 20% to 30% in December 2021, which led to a decrease of 16.5% in the number of apartments purchased by foreigners in 2022. But in fact, the local real estate prices are still not loose.

　　According to a research report of Orange Tee&Tie, a Singapore brokerage company in 2022, Singapore is still the primary investment destination for foreign investors after several rounds of cooling measures.

　　"Despite the interest rate hike and the cooling measures implemented in December 2021, foreign buyers bought more luxury apartments with a price of S $5 million (about RMB 25.87 million) and above in 2022," the report said. "The purchases of luxury apartments by foreigners and those who have obtained permanent residency in Singapore have almost returned to the level of 2019."

　　According to the buyer’s inquiry data provided by Juwai Iqi Group, a global real estate technology company headquartered in Kuala Lumpur, Singapore is the favorite overseas purchase destination for China buyers. Since 2021, Singapore has entered the top 10 overseas inquiries of China buyers, ranking ninth that year. Although the Singapore government raised the stamp duty on foreign buyers at the end of 2021, Singapore has been ranked tenth in the inquiry list for the next two years.

　　What will be different this time?

　　Foreign buyers account for only a small proportion of Singapore’s real estate sales. According to the data of the Urban Renewal Authority of Singapore, foreign buyers accounted for 4.7% of Singapore’s house purchases last year, rising to 7% in the first quarter of this year.

　　Nicholas Mak, chief research officer of MOGUL.sg, a real estate information platform, therefore believes that if only 10% of purchases are affected, then these measures have limitations. "How can we cool the market if it has little impact on the other 90%? It’s like you have a burning oil plant, and these people don’t use the right tools to put out the fire. "

　　At the same time, people who can afford to buy real estate in Singapore may not care about paying more taxes.

　　Kashif Ansari, co-founder and CEO of IQI, told the First Financial Reporter that the high housing prices in Singapore have eliminated a number of foreign buyers. High-net-worth people who plan to buy Singapore real estate now may not change their decision to buy a house because of a 30% tax increase.

　　“Of course, those who specialize in real estate speculation will be discouraged. On the other hand, foreign buyers aiming at global allocation may turn their eyes to luxury houses in Malaysia or Dubai."He said.

　　Deng Minjie said that according to past experience, foreign buyers often balk after receiving the news, especially this time the increase has doubled.

　　However, after the introduction of the New Deal, one of her clients, the foreign buyer who originally planned to look at the house, did not change her mind. "We have communicated with them in time about the tax increase, and they are still willing to continue the house purchase plan. Their feedback is that Singapore will be the place where they want to invest in immigrants. " She also revealed that,Her buyers reported that the unit price of houses in Singapore was reasonable, but the tax was very high.

　　Sun Yanqing, research director of Orange Easy Industry, told the First Financial Reporter: "Cooling measures may curb demand in the next few months. This may provide time for more housing completion and housing supply. When there is a better market balance, the price may stabilize. When demand shrinks, price increases may also slow down. This will help first-time home buyers and HDB upgraders to buy their first home. "

　　"We have slightly lowered the price forecast for the whole year of 2023 from 5%-8% to 4%-7%." Sun Yanqing said.

　　Deng Minjie predicted that as first-time buyers of Singapore citizens and permanent residents will not be affected under the New Deal, these groups will become the main demand drivers in the coming months. According to the data in 2022, this group accounts for about 90% of residential real estate transactions.

　　CCTV News:The old father died unexpectedly. One year later, the son found that the old man had more than 2 million yuan in cash in his stock account! I want to take out the money, but my son, Mr. Ma, has encountered great difficulties. "The securities company said that the asset ownership relationship is not clear, which proves that my dad is my dad, and the old couple has no other heirs. What is the unclear asset relationship? ！”

　　Father died suddenly, and there was 2.29 million cash in the stock account.

　　In March 2015, Mr. Ma’s old father accidentally fell down while going up the stairs and fell to his head. Although the doctor was sent in time, the old man died. Because of the sudden incident, the old man didn’t leave a word. In August and September this year, Mr. Ma’s lover suddenly remembered that the old man still had a stock account. Mr. Ma went to the securities company to check, and the old man’s account contained more than 2.29 million yuan, all in cash, while the bank card associated with the account contained less than 300 yuan’s money.

△ data map

　　The old man has passed away, and Mr. Ma doesn’t know the account name and password. "The securities company asked me to notarize and prove the father-son relationship, and the elderly can’t have other heirs." Mr. Ma said.

　　The father’s death certificate is in Mr. Ma’s hand, and Mr. Ma’s mother died of a cerebral infarction in 2010. On October 18, 2016, Huanggu Notary Office of Shenyang City, Liaoning Province issued a notarial certificate, which recorded the balance of Mr. Ma’s father’s account in the securities company. "This is to certify that the legacies of Ma Moumou and Qiao Moumou were inherited by their sons, Mr. Ma", which was clearly stated in the notarial certificate.

　　After proving to be the sole heir, the assets still cannot be taken out.

　　Holding the notarial certificate that has been worked hard, Mr. and Mrs. Ma came to the securities company again, only to find that they still couldn’t get the assets under their father’s name.

　　"When I went to the securities company to inquire, I found that the balance in the account was actually different from that on the notarial certificate." Mr. Ma said.

　　"Look carefully again, just as I was waiting for the notarial certificate, someone used this account to trade stocks, which is a trading quota of hundreds of thousands, which is a large transaction. The result of the final transaction is that there is no loss of money. " Although there is no loss of money, but people have passed away, why can anyone operate the account?

　　"The securities company said that they could not find out who the operator was." Mr. Ma introduced.

　　Because of new problems, the securities company froze the account and refused Mr. Ma’s request to withdraw the money.

　　Securities companies: The possibility of disputes over the ownership of assets cannot be ruled out.

　　After negotiation, the securities company handed over the management right of the account to Mr. Ma and issued a written reply to Mr. Ma.

　　“… … It is found that since the death of the old man, there are still records of fund transfer and stock trading in the old man’s account, and you, as the sole heir of the account, clearly stated that you did not know the password of stock trading and fund transfer in the old man’s account, and you did not know the situation of stock trading, fund transfer and actual operator in the old man’s account, and the bank card associated with the account was not in your hand; The notarial certificate also did not explain this situation. In view of the above-mentioned actual situation, our department believes that the accounts of the elderly may be stolen or operated or borrowed by others, and does not rule out the possibility of disputes over the ownership of assets … … In order to avoid disputes over asset ownership in the future, we suggest that you handle judicial confirmation through judicial channels. "

△ data map

　　Lawyer: The notarial certificate can prove that the securities company of inheritance right should cooperate.

　　Regarding the problems faced by Mr. Ma, the lawyer said: "First of all, the notarial certificate is a legal document recognized by the national notary office at the request of the parties. The notarized facts are generally adopted directly as valid evidence even during the trial of the people’s court. If the parties have a notarial certificate issued by the notary office to prove that they are the sole heirs of the estate, then the securities company should actively cooperate with the inheritance. Even if someone has operated the account transaction after the death of the old man, it will not affect Mr. Ma’s legal inheritance right. "

　　Regarding the suggestion of judicial confirmation in the reply of the securities company, the lawyer said that this suggestion is difficult to operate in practice. Going to the court for judicial confirmation is to let the court determine who the money belongs to. Let’s not say that the notarial certificate has proved Mr. Ma’s inheritance right. As far as judicial confirmation is concerned, it is necessary to have a clear defendant, who will go to the court to identify it when there is a dispute between the two sides over the money. Mr. Ma doesn’t know who operated this account at first. He is an only child himself. He has no dispute with others on this money. Let him go to the court to confirm the right, and he can’t find the defendant at all.

　　Make a will in advance to avoid inheritance disputes

　　My father died suddenly, but as an only child, I encountered many problems in inheritance. This is not an isolated case. Xiaoli, an only daughter in Hangzhou, also encountered a similar problem. When she inherited the property left by her father, because her father did not make a will, she was told by the Housing Authority: either provide the inheritance certificate issued by the notary office or provide the court judgment. Xiaoli found the notary office, and the notary office asked her to find all her parents’ relatives and bring them to the notary office to do inheritance notarization.

　　It turns out that Xiaoli’s grandmother was still alive when her parents died, so her father’s three brothers and sisters are also property heirs from the legal point of view. Only by proving that these people have given up their inheritance rights can Xiaoli get the house.

　　"To prevent this from happening, parents can only make a will in advance to confirm that the property is inherited by their children." Lawyers advise you not to be shy about making a will before you die. He said that in the Inheritance Law, there are two forms: statutory inheritance and testamentary inheritance, and statutory inheritance means that when the decedent has no will, the heir inherits the inheritance in the order of inheritance. Therefore, making a will first can avoid these troubles. The same is true of stock accounts.

　　In addition, the lawyer also stressed that as parents’ joint property after marriage, when making a will, parents must sign it together. At the same time, it is best to have a notary notarize on the spot, and keep the voucher through audio and video recording to avoid unnecessary troubles in the future. (This article Source: Liaoshen Evening News)

　　A few days ago, Chezhi.com obtained a set of official pictures of the new Volkswagen Golf from overseas media. The new car is a mid-term modified model, the design details have been adjusted, and a variety of powertrains are provided. It is reported that Volkswagen plans to produce only pure electric vehicles in Europe in 2033, which shows that this car may be the "swan song" of pure fuel golf.

　　In terms of appearance, the most obvious change is concentrated on the headlight group. The "binocular" light source has become "monocular", and matrix LED light source is provided for optional installation, and the brightness of high beam can be doubled. At the same time, the Volkswagen brand LOGO in the middle of the penetrating light strip has added the self-luminous function, which has high recognition after being lit at night.

　　The new car has also added four kinds of metal paints, namely crystal ice blue, anemone blue, oyster silver and black ebony, and the middle and high models can also choose a two-color body with a black roof. The rear part of the car is still full of three-dimensional. Similarly, the middle and high-end models can get full LED taillights with more functions, with 3D-style LED strip inside, and support the free choice of three modes.

　　In terms of interior, the overall design style and layout of the new Volkswagen Golf have not changed. The size of the suspended multimedia central control panel has been upgraded, with a 10.4-inch touch screen as standard, and a 12.9-inch high-end model, and a HUD head-up display system has been provided. It is worth mentioning that Volkswagen officially received suggestions from customers, hoping to reduce the number of touch buttons in the car. This time, it was implemented in a new car. The multi-function steering wheel has been changed back to the previous physical buttons, but the buttons in the central control area are still touch-operated.

　　In terms of power system, the new Volkswagen Golf will provide a variety of power combinations. Among them, the maximum horsepower of the 1.5TSI engine is 148Ps, which matches the 6-speed manual transmission, which is consistent with the power parameters of the light-mixed version of the 1.5eTSI model, but the latter is equipped with a 7-speed dual-clutch transmission. The higher specification 2.0TSI engine has a maximum horsepower of 201Ps, matching the 7-speed dual-clutch gearbox, while the previous entry-level three-cylinder 1.0TSI engine was cancelled.

　　In addition, the new car will also provide an eHybrid plug-in hybrid model with a maximum horsepower of 201Ps and a 6-speed dual-clutch gearbox. The battery capacity will be increased from 10.6kWh to 19.7kWh, and the pure electric cruising range will be increased from 80km to 100km. In terms of energy supplement, the car supports 11kW AC charging, can use 50kW DC fast charging, and can charge the battery capacity from 10% to 80% in 25 minutes. Under the condition of full charge and full oil, the comprehensive cruising range can reach 1000km. For more news about the new car, the car quality network will continue to pay attention to and report.

In 2013, the Third Plenary Session of the 18th CPC Central Committee formally proposed "developing inclusive finance".

By 2023, the Implementation Opinions on Promoting High-quality Development in inclusive finance will be issued.

Inclusive finance was listed as one of the "five great articles" at the Central Financial Work Conference.

The financial industry has made vigorous efforts and actively explored.

Help serve rural revitalization, consolidate the achievements of poverty alleviation, and promote the coordinated development of regional economy and society.

Looking back on inclusive finance Road for ten years, where are the achievements?

What is the experience of "exploring the road by wading" in inclusive finance Reform Experimental Zone?

January 12, Ganzhou, Jiangxi,

"Create a new chapter in inclusive finance’s high-quality development-2024 inclusive finance High-quality Development Seminar"

This meeting will reveal the answer!

China Bank Insurance News will meet you in Ganzhou, be there or be square!

　　CCTV News:According to the website of the People’s Bank of China, the People’s Bank of China and China Banking and Insurance Regulatory Commission publicly solicited opinions on "Opinions on Financial Support for the Development of Housing Leasing Market (Draft for Comment)". Soliciting opinions, it is proposed to focus on supporting the development of specialized and large-scale housing leasing enterprises with self-sustaining properties. Financial support for housing leasing should adhere to the position that houses are used for living, not for speculation, and focus on supporting self-sustaining property-based housing leasing enterprises with independent legal person operation, clear business boundaries and real estate professional investment and management capabilities, so as to promote their large-scale and intensive operation and improve the supply capacity and operation level of long-term rental housing. Details are as follows:

Opinions on financial support for the development of housing rental market

(Draft for Comment)

　　In order to thoroughly implement the decision-making arrangements of the CPC Central Committee and the State Council, support the accelerated establishment of a housing system with multi-agent supply, multi-channel guarantee and simultaneous rent and purchase, cultivate and develop the housing rental market, and promote the stable and healthy development of the real estate market, according to the Opinions of the General Office of the State Council on Accelerating the Cultivation and Development of the Housing Rental Market (Guo Ban Fa)

　　[2016] No.39) and "Opinions of the General Office of the State Council on Accelerating the Development of Affordable Rental Housing" (Guo Ban Fa [2021] No.22), we now put forward the following opinions on financial support for the development of the housing rental market:

　　I. Basic Principles and Requirements

　　(1) Support the structural reform of the supply side of housing leasing. Financial support for housing leasing should focus on the key points and aim at the shortcomings, mainly in big cities, focusing on solving the housing problems of new citizens, young people and other groups, supporting all kinds of subjects to build and rebuild long-term rental housing, revitalizing existing housing, and effectively increasing the supply of affordable and commercial rental housing.

　　(two) focus on supporting the development of specialized and large-scale housing leasing enterprises with self-sustaining properties. Financial support for housing leasing should adhere to the positioning that houses are used for living, not for speculation, and focus on supporting self-sustaining property-based housing leasing enterprises that operate as independent legal persons, have clear business boundaries, and have real estate professional investment and management capabilities to promote their regulations.

　　Modular and intensive management to improve the supply capacity and operation level of long-term rental housing.

　　(3) Establish and improve the financial support system for housing leasing. Financial support for housing leasing should be based on market allocation, providing diversified, multi-level and full-cycle financial products and financial service systems for the investment, development, operation and management of leased housing, with complete market functions, balanced structure and orderly competition.

　　— — Financial institutions have a reasonable division of labor. Commercial finance should meet the reasonable financing needs of all kinds of rental housing subjects in accordance with the principles of legal compliance, controllable risks and sustainable business. Policy finance and development finance are limited to providing financing for the development, construction and operation of affordable rental housing on the premise of meeting the functional orientation and business scope.

　　— — Innovation norms of financial products. Housing lease credit products should have clear functions, reasonable term and interest rate pricing, perfect risk evaluation and post-loan management. Direct financing products should be simple and clear in structure, sound and effective in market restraint and operation mechanism, transparent in product pricing, and true and compliant in capital use.

　　— — Optimization of credit and capital market allocation. The credit market mainly meets the needs of various entities to develop and build rental housing, as well as the liquidity and daily operation of housing rental enterprises. The capital market focuses on the development of long-term financing tools for housing rental investment. The credit market and the capital market can be coordinated and reasonably connected according to the income and risk characteristics of different links of housing leasing.

　　Two, strengthen the innovation of housing rental credit products and service models

　　(four) to increase credit support for the development and construction of rental housing. Support commercial banks to issue development and construction loans to real estate development enterprises, industrial parks, rural collective economic organizations, enterprises and institutions and other entities to build or rebuild long-term rental housing.

　　Payment. The proportion of project capital for rental housing construction should not be less than 20% of the total investment of development projects, and the loan period is generally 3 years, and the longest is not more than 5 years. Commercial banks should establish a perfect loan approval mechanism and risk management mechanism for development and construction according to the cash flow of various entities and the risk characteristics of real estate development, so as to improve the efficiency and management level of loan approval.

　　(V) Innovative groups purchase rental housing credit products in bulk. For enterprises and qualified institutions to purchase idle houses in batches according to laws and regulations for dormitory-type affordable rental housing, and specialized large-scale housing leasing enterprises to purchase idle houses in batches according to laws and regulations for affordable rental housing or commercial rental housing for long-term operation, commercial banks are encouraged to issue rental housing group purchase loans on the premise that risks are controllable, businesses are sustainable and implicit debts of local governments are not added. Commercial housing and commercial housing purchased with loans should be houses with clear legal relationship and completed acceptance. During the loan period, the rental purpose of the house shall not be changed. Leased housing groups purchase loans for a maximum period of not more than 30 years, and the loan amount shall not exceed 80% of the appraised value of the property in principle.

　　(six) support the issuance of housing rental business loans. If a housing leasing enterprise manages long-term rental housing with its own property rights, the term of the housing leasing business loan shall not exceed 20 years, and the loan amount shall not exceed 80% of the assessed value of the property in principle, which can be used to replace the loan for early development and construction of the property. For the non-proprietary rental housing formed by the housing leasing enterprises in accordance with the law and in compliance with the transformation of industrial plants, commercial office buildings and villages in the city, the term of operating loans shall not exceed 5 years, and the loan amount shall not exceed 70% of the total rent receivable within the loan period in principle.

　　Commercial banks should carry out due diligence investigation on the legal compliance of the operation and management of leased housing, the rental level and occupancy rate of leased housing, and the professional ability, financial status and continuous prudent operation of housing leasing enterprises, and design the loan term, interest rate and repayment method reasonably in combination with the operation and risk characteristics of housing leasing enterprises.

　　Housing leasing enterprises should take rental income as the first source of repayment. If the housing leasing enterprise has clear other repayment sources, commercial banks can issue pledge and mortgage loans, but the legal risks of pledge and mortgage should be carefully evaluated to ensure the enforceability of pledge and mortgage. On the premise of compliance with laws and regulations, commercial banks are encouraged to issue credit loans according to the credit standing and operating conditions of housing leasing enterprises.

　　Explore the role of policy housing finance, support housing leasing enterprises to hold and operate affordable rental housing for a long time, and give priority to meeting the housing rental needs of eligible new citizens, young people and other groups.

　　(seven) innovative comprehensive financial services for housing leasing related enterprises. Encourage commercial banks to actively explore financial service models and financial products suitable for the needs of enterprises related to housing leasing, and provide comprehensive financial solutions such as account opening, settlement, consultation and cash management to housing leasing construction and operation enterprises, housing leasing brokerage institutions and housing leasing management service platforms.

　　Third, broaden the diversified investment and financing channels in the housing rental market

　　(eight) to enhance the ability of financial institutions to put in housing rental loans. Support commercial banks to issue financial bonds for housing leasing, and raise funds specifically to increase the investment of housing leasing development and construction loans and operating loans.

　　(9) Broaden bond financing channels for housing leasing enterprises. Support housing leasing enterprises

　　Industry issued debt financing instruments, corporate bonds, corporate bonds, earmarked for rental housing construction, purchase and operation. Encourage the optimization of bond issuance process, improve the issuance efficiency of housing lease bonds, and provide financing facilities for housing lease enterprises.

　　(10) CoveredBond for innovative housing lease. If the rental housing owned and operated by the housing leasing enterprise has a sustained and stable cash flow, the property mortgage can be used as a credit enhancement, and housing lease guarantee bonds can be issued. Housing lease guarantee bonds are included in the bond management framework.

　　(eleven) the steady development of real estate investment trust funds (REITs). Steadily promote the pilot work of real estate investment trust funds (REITs), and raise funds for housing leasing enterprises to hold and operate long-term rental housing under the premise of controlling risks. Support real estate investment trust funds (REITs) share trading circulation, promote long-term stable operation, and prevent short-term speculation. Give priority to supporting xiong’an new area, Hainan Free Trade Port, Shenzhen Socialism with Chinese characteristics Pilot Demonstration Zone and other key areas supported by national policies and big cities with net population inflow to carry out real estate investment trust funds (REITs) pilot projects, and provide financial support for enterprises that use all kinds of construction land (including collective construction land, idle land owned by enterprises and institutions, etc.) to build, hold and operate long-term rental housing according to laws and regulations.

　　(twelve) to guide all kinds of social funds to invest in the field of housing leasing in an orderly manner. Support financial institutions, asset management products and other market entities to standardize investment in financial products related to housing leasing. Encourage housing leasing enterprises and professional asset management institutions to hold and operate rental housing for a long time through real estate investment trusts (REITs). Support long-term funds such as insurance funds to invest in the housing rental market. Encourage housing leasing enterprises and finance.

　　Institutions use interest rate derivatives to hedge related interest rate risks.

　　Four, strengthen and improve the financial management of housing rental.

　　(thirteen) strict housing leasing financial business boundaries. Housing leasing financial business should be strictly positioned to support the development of housing leasing market and not provide financing for short-term speculation. Housing rental financial products and services should be clearly distinguished from those of non-rental housing. It is strictly forbidden to finance non-rental housing in the name of supporting housing rental, and it is strictly forbidden to use housing rental financial products for commercial real estate development in violation of regulations. Financial institutions should establish and improve relevant business systems, strengthen compliance review and evaluation, and ensure prudent and compliant business.

　　(fourteen) to strengthen the management of housing rental credit funds. Commercial banks and other institutions should strictly review housing lease credit and post-loan management, strengthen the investigation and tracking of borrowers, project attributes and the authenticity of loan purposes, ensure that loan funds are used for housing lease construction and operation in accordance with the agreed purposes, and effectively prevent risks such as misappropriation and cashing out of funds. If the lease property of the project or the use of the house is changed during the loan period, the loan shall be recovered in time.

　　(fifteen) standardize the innovation of direct financing products for housing leasing. The direct financing products of housing lease should have excellent quality of basic assets, simple structure, clear legal relationship, open and transparent information and legal compliance with the use of funds. Relevant acceptance departments should clarify the business model of housing leasing enterprises, the use of raised funds and other policies and audit requirements, improve information disclosure and post-supervision management, take effective measures to ensure that raised funds are used for related activities such as rental housing construction and operation, and shall not be diverted for other purposes.

　　(sixteen) to prevent financial risks of housing leasing. Commercial banks, etc. lease housing.

　　Institutions providing financing should establish and improve relevant systems, strengthen compliance review and evaluation, and ensure prudent and compliant business. Standardize the management of financing subjects, formulate clear access standards, and implement list management for non-personal objects. Limit the debt level of all kinds of housing leasing enterprises and real estate development enterprises holding leased housing to ensure that their asset-liability ratio remains in a moderate range. Strengthen the monitoring of the operation and management, financial status and the use of funds of housing leasing enterprises. If housing leasing enterprises violate the loan contract, they should promptly take effective measures such as accelerating liquidation and collecting loans in advance to resolve risks.

　　Housing leasing enterprises must complete the relevant filing work on the housing leasing management service platform established by the housing and urban-rural construction department before financing. For direct financing products of housing leasing, we should fully reveal the risks related to housing leasing business and real estate market, establish and improve the risk early warning and disposal mechanism, and protect the interests of investors.

　　(seventeen) the establishment of housing rental financial monitoring and evaluation system. The People’s Bank of China took the lead in establishing a special statistical system for housing leasing finance, strengthened the statistics, investigation and monitoring analysis of housing leasing financial products, and explored the establishment of a policy-oriented effect evaluation system for housing leasing special credit. Relevant departments should strengthen the sharing of information related to housing leasing and give full play to the joint efforts of supervision.

　　The Shanghai headquarters of the People’s Bank of China, branches, business management departments, city center branches of provincial capitals and sub-provincial city center branches are requested to forward this opinion to relevant institutions within their respective jurisdictions together with the Banking Insurance Regulatory Bureau of their respective provinces (autonomous regions and municipalities), and coordinate the implementation of this opinion.

In order to thank the readers, New Evening News, in conjunction with Harbin Workers’ Cultural Palace Film City, specially launched the "I do practical things for the masses" weekend staff free special public welfare film activity, and invited 50 readers to watch the film "Goodbye, Li Kele" at 9 am on December 23rd.

Directed by Wang Xiaolie and scripted by Liu Qian and Wu Di, the film Goodbye, Li Ke Le invited Jason Wu to join in and form a "magic family" with NI YAN, Seven and the cute dog "Ke Le" to stage a touching story about "love and growth". In the movie, in order to fulfill her daughter’s wish before the third year of high school, her father Li Boyu (Jason Wu) is determined to take Sinan (Seven) to go skiing in Altay. The sudden accident made Li Boyu unconscious, and also made Pan Yanqiu (NI YAN), his wife and mother, have to make a difficult decision. Being in charge of the family gradually lost its temperature, and a puppy named Coke broke into the life between mother and daughter and became a companion in life. The story of how they let go of their remorse after the pain and how they learned love and courage in their growth is worth the audience’s expectation.

How to participate in:

Step 1: Pay attention to "New Evening News Film and Television".

Step 2: Participate in the message and get a reply to win the prize. Tickets can be picked up after registration with the union membership card or ID card. One certificate can only be exchanged for one movie ticket.

Watching time:

At 9 o’clock on December 23,

Viewing address:

Workers Cultural Palace Film City (No.248, Zhongshan Road, nangang district)

Telephone:

82651892

Harbin Daily reporter Shen Zhiyuan

Behind the breakthrough of smart electric vehicles, automotive semiconductors are the key driving force. Therefore, automotive semiconductors have become one of the most potential racetracks, which are deeply concerned and supported by the government, industry, enterprises and capital. In order to empower the development of domestic automobile supply chain and vigorously cultivate automobile chip enterprises and industries, December 21, "2023 Suzhou Automotive Chip Industry Development Promotion Conference and Automotive Electronics Industry Investment Annual Meeting"It will be held in Suzhou Shishan International Conference Center.

The conference will be hosted by Suzhou Hi-tech Zone Management Committee, Suzhou Bureau of Industry and Information Technology, and Automotive Electronics Industry Investment Alliance. It will be hosted by Suzhou Hi-tech Zone Economic Development Committee, Suzhou Hi-tech Zone Commerce Bureau, Suzhou Hi-tech Integrated Circuit Industry Development Co., Ltd. and Aijiwei. With the support of China Automotive News, government leaders, experts and scholars, professional semiconductor investment institutions, local state-owned assets investment and invested enterprises will be invited to focus on "Intelligent driving, ecological interaction-"

Click to register.

Among them, the "Project Exchange and Sharing Meeting", as a highlight of this meeting, is organized by the Automotive Electronics Industry Investment Alliance.20+ invested enterprises related to car gauge chipsFace to face with investment institutions, automobile OEMs /Tier 1 enterprises directly. The CEO//chairmen of these 20+ enterprises will share the company’s development history, technological innovation and progress breakthroughs on the spot, and the best automobile-related awards will be announced at that time.

Through face-to-face communication and in-depth communication, all parties can fully understand each other’s needs and challenges, pay more attention to the coordination and complementarity between all links in the industrial chain, and then find opportunities and breakthrough points for cooperation, promote the development and upgrading of the whole industry through resource sharing and innovative cooperation, and create a new chapter for China’s automobile industry to become bigger and stronger.

"A single spark can start a prairie fire". The establishment and growth of these chip companies can also serve as a microcosm of the development of automobile chips in China, and better assistance can support their prosperity and development. Therefore, such centralized exchanges will help innovation chain, the industrial chain and the capital side to deeply integrate, open up the capital chain, the industrial chain and the resource chain, accelerate the growth of these companies and help the industrial development.

Established in September this year, the Automotive Electronics Industry Investment Alliance was jointly initiated by China Automotive News, Aijiwei, Dongfeng Asset Management, SAIC Hengxu, Geely Capital, Chang ‘an Capital, GAC Capital, BAIC Investment, Great Wall Capital, Xiaomi Investment and Weilai Capital. Its initial intention and ambition is to accelerate the innovation of automotive electronics technology in China, build an investment ecology in automotive electronics with China characteristics, and explore and build an innovative capital support model in China.

This project exchange meeting is also the first cross-border activity organized by the Alliance, and more activities to promote industrial integration will be launched in the future, so you are welcome to continue to pay attention.

List of participating enterprises

Weifa Electronic Technology (Changzhou) Co., Ltd.

Jiongyi Electronic Technology (Suzhou) Co., Ltd.

Bingling Intelligence Science and Technology (Changzhou) Co., Ltd.

Jiangsu Xin Changzheng Microelectronics Group Co., Ltd.

Jiangsu yuntu semiconductor co., ltd

Zhejiang jingneng microelectronics co., ltd

Wu Han ying fu nai si electronic technology co., ltd

Shenzhen yuanrong qihang technology co., ltd

Runxinwei Science and Technology (Jiangsu) Co., Ltd.

Shi Jia tou bo (Beijing) technology co., ltd

Shenzhen yuanshixin intelligent technology co., ltd

Qingdao ke Rui si de electronic technology co., ltd

Nanjing xinshiyuan electronics co., ltd

Anhui ousiwei technology co., ltd

Shenzhen basic semiconductor co., ltd

Xindingwei (Zhongshan) Photoelectric Semiconductor Co., Ltd.

Anhui xinta electronic technology co., ltd

Suzhou xinjian detection technology co., ltd

Xinyi Electronic Technology (Suzhou) Co., Ltd.

Chanz Yixin Technology (Nanjing) Co., Ltd.

Beijing huafeng technology co., ltd