Housing rent is directly related to the living cost and living standard of the renters, and has always been concerned by the public.
On April 21st, Wang Zhen, director of Shanghai Housing Management Bureau, said when he was a guest on "Interview with People’s Livelihood in 2023" that Shanghai would take measures such as playing the role of "stabilizer" for affordable rental housing, prohibiting intermediaries from driving up prices, and establishing price monitoring and early warning to keep the housing rent level in Shanghai stable.
Three measures to keep the housing rent level stable
"In recent years, the housing rental market in Shanghai has been generally stable." Wang Zhen said that in order to keep the housing rent level in Shanghai stable, under the overall framework of the Price Law and in combination with the implementation of the Shanghai Housing Leasing Regulations (hereinafter referred to as the Regulations), Shanghai will take measures from three aspects:
The first is to play the role of "stabilizer" of affordable rental housing.It is clear that the rent of affordable rental housing should be lower than the market-oriented rent level of the same quality in the same lot, the rent should be below 10% of the market-oriented rent, and the annual increase should not be higher than the market-oriented rent increase in the same period and not higher than 5%. At the same time, it will be publicized to the public to guide market-oriented lessors to set reasonable prices.
Second, it is strictly forbidden for housing leasing enterprises and real estate brokerage agencies to fabricate and spread price increase information., drive up prices, and be restrained by increasing investigation and self-discipline in the industry.
The third is to establish a housing rental price monitoring and early warning mechanism.It is clearly stipulated in the "Regulations" that the municipal government can take price intervention measures such as price increase declaration, rent restriction or rent increase in accordance with the law under certain circumstances that the housing rent has increased significantly or may increase significantly.
Incorporate lease management into social governance system
On February 1st, the "Regulations" were officially implemented. Wang Zhen introduced that this legislation adheres to the problem orientation, focuses on practical problems, highlights the people’s livelihood attributes of housing leasing, and builds a housing leasing system with diversified suppliers, standardized business services and stable leasing relationship to meet the multi-level housing needs of residents in megacities. In the process of legislation, there are three main considerations.
The first is to standardize leasing behavior.For the form of housing lease in which residents trade hand in hand, we should guide the parties to self-regulate and self-discipline by clarifying the rental requirements and standards and balancing the rights and obligations of the parties to the lease. For the three forms of listing and renting through real estate brokerage agencies, housing leasing enterprises acting as agents and centralized rental housing, we emphasize standardized management, and establish a whole-process supervision system from subject filing, real-name employment, housing verification, registration and filing to fund supervision, as well as relevant prohibitive provisions, so as to further improve market rules.
The second is the coordinated development of the market and security.Strengthen forward-looking systematic planning, while promoting the stable and healthy development of the housing rental market, focus on accelerating the development of affordable rental housing, determine the system positioning, formulate special plans, clarify the construction and management requirements, and give full play to the demonstration and leading role of affordable rental housing in the entire housing rental system.
The third is to bring lease management into the social governance system.While clarifying the responsibilities of the relevant departments of the city and district, aiming at the weak links and gaps existing in grassroots governance and the difficulties and problems encountered in the daily management of towns and villages, we will establish and improve the housing lease governance mechanism of urban planning, compartmentalization, responsibility of towns and villages, assistance from villages and industry self-discipline, strengthen the four-level linkage of cities, districts, towns and villages, and form a joint force with multiple governance to further enhance the effectiveness of grassroots governance.
Write group rent into local legislation for the first time
For the group rent behavior, the Regulations, on the basis of summing up the experience and practices of Shanghai’s group rent governance in recent years, first wrote the group rent into local legislation, taking a multi-pronged approach to further improve the efficiency of group rent governance.
The first is to clarify the criteria for identifying group rents.The minimum rental unit, non-residential space that cannot be rented separately, the number of people living in each room and the per capita living area proposed by government regulations have been optimized and improved accordingly, and they have been raised to local legislation.
The second is to optimize the law enforcement process of group rent.In view of the problems strongly reflected by the masses, once the group rent cases are discovered, they can be directly punished to improve the efficiency of law enforcement and increase the punishment, raising the fine from the original maximum of 100,000 yuan to the maximum of 200,000 yuan.
The third is to highlight the key supervision of subletting.In view of the prominent problem of "second landlord" group rent in practice, it is clear that individuals who sublet houses for profit and engage in housing rental business activities should register as market participants according to law, and will be punished if they violate the regulations.
The fourth is to implement the responsibility of territorial governance.Street offices and township people’s governments are required to regularly organize the investigation of hidden dangers of group rent. If illegal situations are found, they should urge rectification, start law enforcement procedures in a timely manner, and carry out rectification through joint law enforcement when necessary.
Shanghai will rely on the refined urban management mechanism and work with relevant departments to study and formulate a plan to further improve the comprehensive management of group rents in Shanghai, issue documents to strengthen the management of individual housing subletting in Shanghai, and increase the guidance, supervision and support for the management of grassroots group rents.
"The problem of group rent actually reflects that the supply structure of Shanghai housing rental market needs to be further improved. In the process of governance, we will adhere to the combination of unblocking and blocking." Wang Zhen said, on the one hand, vigorously promote the development of affordable rental housing; On the other hand, standardize the implementation of the "N+1" model of agency leasing, strictly supervise housing leasing enterprises to carry out agency leasing business, and promote the transformation from illegal group leasing to standardized sharing.
Yesterday, the city issued a notice on several measures to promote the stable and healthy development of the city’s real estate market, and put forward eight measures for real estate regulation. It is clearly pointed out that for households with one set of housing, if they apply for commercial personal housing loans to buy ordinary self-occupied housing again in order to improve their living conditions, the down payment ratio will not be less than 50% regardless of the loan record; For those who purchase non-ordinary self-occupied houses, the down payment ratio shall not be less than 70%.
(Reporter Zhu Kaiyun) Yesterday, the general office of the municipal government forwarded the notice of the Municipal Housing and Urban-Rural Committee and other departments on "Several Measures for Promoting the Stable and Healthy Development of the Real Estate Market in this Municipality" and put forward eight measures for real estate regulation and control in this Municipality.
First, we should increase the supply of residential land and rationally adjust the land supply structure. Increase the supply ratio of low-priced and medium-sized ordinary commercial housing, strictly implement the 90/70 policy, increase the just-needed supply, and take into account the improvement demand.
Second, it is necessary to increase the supply of land for self-occupied commercial housing. Except Dongcheng, Xicheng and Shijingshan District, other districts should arrange a number of land for self-occupied commercial housing to enter the market as soon as possible during the year.
Third, it is necessary to further improve the land transaction rules, strengthen the transaction mode of "controlling land price and limiting house price", limit the housing price in the supply link and incorporate it into the conditions of land auction and auction. Encourage real estate enterprises to own some houses as rental housing to meet the rental demand.
The fourth is to implement differentiated housing credit policies. The down payment ratio for the first set of ordinary self-occupied housing is not less than 35%, and the down payment ratio for the first set of non-ordinary commercial housing is not less than 40%. However, except for self-occupied commercial housing, two-limit housing and other policy housing. For households with one set of housing, if they apply for commercial personal housing loans to buy ordinary self-occupied housing again in order to improve their living conditions, the down payment ratio shall be no less than 50% regardless of the loan record; For those who purchase non-ordinary self-occupied houses, the down payment ratio shall not be less than 70%.
Fifth, the relevant municipal departments should strengthen the management of commodity housing transactions and supervise real estate development enterprises and their sales behavior. For projects with obviously high quotations, the issuance of pre-sale permits will be stopped, and existing home sales will not be filed. For projects that have gone through the pre-sale or cash sale procedures, all the houses for sale shall be made public at one time within the specified time, and the regulations of clearly marked price and one room and one price shall be strictly enforced, and the actual sales price shall not be higher than the declared price. At the same time, the above information should be clearly marked in a prominent position in the trading place.
Sixth, it is necessary to strengthen the management of real estate brokerage institutions and their brokerage activities, and fully implement the supervision of stock housing transaction funds. Real estate brokerage institutions and real estate brokers should be entrusted to release real housing and price information, and should not occupy housing information or drive up housing prices.
Seventh, the Municipal Housing and Urban-Rural Development Committee and other relevant departments should carry out joint law enforcement inspections, focusing on investigating and dealing with property hoarding’s illegal acts such as hoarding houses, driving up house prices, publishing false houses and price information, and publicly exposing them, and relevant information should be included in enterprise credit files.
Eighth, earnestly strengthen organizational leadership. Establish a joint meeting system to strengthen the supervision of the real estate market in this Municipality, and be responsible for guiding, coordinating and promoting the supervision of the real estate market in this Municipality.
The city deployed the real estate market inspection work during the National Day.
(Reporter Zhu Kaiyun) Yesterday, the city held a briefing on the law enforcement inspection of the real estate market. The meeting informed the Municipal Commission of Housing and Urban-Rural Development, the Municipal Administration for Industry and Commerce and the Municipal Development and Reform Commission about the law enforcement inspection and the current real estate market situation, and asked real estate development enterprises and real estate brokerage institutions to standardize their operations according to law, strictly prohibit property hoarding and other illegal acts, and clarify the serious consequences that enterprises should bear in violation of regulations; At the same time, the multi-departmental joint law enforcement inspection work during the National Day was further deployed.
The meeting pointed out that the management of real estate development enterprises and their sales behavior requires that real estate development projects that require pre-sale permission or record the sale of existing homes should disclose all the sales houses at one time within the specified time. Real estate development enterprises in the sale of commercial housing projects, we must strictly enforce the price tag, one room and one price, the actual sales price shall not be higher than the declared price; All saleable houses and their prices and other related information must be clearly marked in a prominent position in the trading place, and the clearly marked price should not be turned into "oral notification", and property hoarding should not be used to delay the opening time or control the houses, so as to deliberately create a tense atmosphere for the houses; It is not allowed to mark false information or use deceptive and vague language to mislead consumers and infringe on consumers’ right to know, choose and fair trade. Real estate brokerage institutions and personnel shall engage in real estate brokerage activities in accordance with the law, and be entrusted to release real housing and price information, and shall not occupy housing information or drive up housing prices; It is strictly forbidden to engage in off-site fund-raising financial services such as down payment, self-financing, self-guarantee and the establishment of a fund pool; Real estate brokerage services shall be clearly marked, and price fraud shall not be carried out by using false or misleading contents and methods of marking.
The relevant person in charge of the Municipal Construction and Construction Committee said that the problems in the real estate market are not only economic issues and management issues, but also people’s livelihood issues and social issues. Some chaos in the real estate market will be dealt with strictly, severely and quickly. In the next step, the Municipal Commission of Housing and Urban-Rural Development will continue to strengthen law enforcement and investigation, strengthen joint supervision and comprehensive management with the Municipal Development and Reform Commission, the Municipal Administration for Industry and Commerce, the Municipal Bureau of Land Planning and other departments, and severely crack down on property hoarding, bid up housing prices, seize housing, publish false housing information and other illegal acts. Citizens can report violations of laws and regulations in the real estate market transaction process.
Provident fund loans will cancel the guarantee service fee from now on.
(Reporter Zhu Kaiyun) In the future, Beijing Provident Fund loans will no longer charge guarantee service fees; Buying a second-hand housing provident fund loan, in addition to no longer paying the guarantee service fee, the loan evaluation fee has also been greatly reduced. Beijing Housing Provident Fund Management Center released the policy of benefiting the people yesterday. From today, the depositor does not need to pay the guarantee service fee when applying for provident fund loans, and the maximum charge standard of second-hand housing evaluation fee has been lowered from 1,500 yuan/piece to 600 yuan/piece.
The relevant person in charge of the Beijing Housing Provident Fund Management Center said that the launch of the New Deal in Beijing is to further benefit people’s livelihood and better serve housing provident fund depositors.
Experts said that in the past, under normal circumstances, the common guarantee methods of provident fund loans were joint liability guarantee and mortgage guarantee of Beijing Housing Loan Guarantee Center. Among them, the guarantee of the guarantee center involves the guarantee service fee, and the charging standard is three thousandths of the loan amount, and the minimum charge is 300 yuan. The appraisal fee for second-hand houses is charged according to three thousandths of the appraisal value, with the lowest charge of 300 yuan and the highest charge of 1,500 yuan.
The person in charge of the provident fund center said that according to the "Regulations on the Management of Housing Provident Fund": "Applicants who apply for housing provident fund loans shall provide guarantees." In the future, when a depositor applies for a personal loan of housing provident fund, the Beijing Housing Loan Guarantee Center can provide the depositor with a phased guarantee before the pre-mortgage registration (or mortgage registration) of the purchased house, and the depositor does not need to pay the guarantee service fee. This means that employees who apply for provident fund loans will be exempted from the guarantee service fee ranging from several hundred yuan to thousands of yuan.
In addition, the Provident Fund Center also introduced an evaluation competition mechanism, and selected six first-class real estate appraisal agencies, including Beijing Guosheng Real Estate Appraisal Co., Ltd. and Beijing Huayuan Longtai Real Estate and Land Assets Appraisal Co., Ltd., to provide better, more convenient and efficient services for paid employees.
The Provident Fund Center said that the adjustment of loan-related fees is based on the date of acceptance, that is to say, the depositor will no longer pay the guarantee service fee for the newly accepted loans from today, and the highest charging standard for the second-hand housing appraisal fee will be lowered to 600 yuan/piece.
Whether it is daily exercise or professional sports, more and more people wear watches and bracelets.
In the gym, if you want to measure heart rate, watch calorie consumption and record exercise data, you really can’t do without a smart watch.
However, although there are many smart watches on the market, few can really jump out of the "big pot" functional planning and design. The "high-end smart watch" with advanced appearance, comprehensive and professional health monitoring and comprehensive sports assistance is still vacant.
Recently, Huawei’s new Huawei WATCH GT 3 Pro has targeted this position. In order to show you this watch, we even moved the studio directly to a professional golf course. How cool is its "sports plug-in"? Let’s take a look at the video first.
Let’s taste this appearance first:
Does it smell like a traditional watch, especially this strap and crown!
The white one on the left is a ceramic model, which looks smaller and the traditional watch tastes stronger. This face value can be called "smart watch face value ceiling". The workmanship and material selection of the case, the outer ring, the strap, the crown and the mirror are all comparable to those of high-end watches. It can be said that this small porcelain watch is completely made according to high-end watches except for the lack of hands.
Looking at the materials used in the case and strap, you can feel that nano-microcrystalline ceramics take 7 days to fire, and there are 13 subsequent grinding and polishing processes, and it takes 10 days to debut.
The benefits brought by this kind of seiko are not only the warm texture on the face, but also the durability and comfort on the lining.
The sparkling gold, silver and shell bezel makes the white body less monotonous, and the color scheme is elegant and versatile, which can withstand being worn in formal occasions and will not be exaggerated in daily wear.
The one on the right is made of titanium, which loOKs tougher. The leather strap in elephant gray has a strong business atmosphere, but it is completely ok to change the dial into the sports ground.
The back shell, like the ceramic model, is made of ceramic material, which realizes the wearing comfort of fitting with the wrist. The fitting experience of friends with different wrist thicknesses in the office is fit but not too tight.
There is nothing to say about the watch mirror. As always, it is not afraid of scratches and wear, and it uses sapphire glass mirrors that are used by top watches.
This gray and white, both business and leisure temperament are grasped, and the texture is completely different from silicone and plastic, and the shell design closer to the traditional mechanical watch makes its appearance comparable to that of high-end watches.
After talking about the appearance, it is the turn of the core functions of smart watches-sports, health and wisdom.
Among these three pieces, Ji Guojun is most concerned about sports. Think about it, where is the high-end place that can reflect a smart watch? In addition to appearance, isn’t it necessary to support high-end sports first?
However, the smart watches currently on the market are somewhat biased. Although most of them can support hundreds of sports, they are basically around the routine sports such as running, swimming and mountain climbing.
It’s not that there are no watches that support professional and high-end sports at all, but their shapes and other functions are too general.
In contrast, Huawei’s watch is very "other people’s children", and the regular sports subjects are excellent, and people also have sports specialties.
This specialty is golf and free diving. These two sports have a key thing in common-it is difficult for you to learn it by yourself, and you basically have to take a coach. Huawei’s watch can be said to have an excellent "use" effect with the coach.
We played with professional golfers all afternoon. To tell you the truth, the feeling is that it really wants to teach you to play golf.
For a newcomer like Guo Xiaojiu who can only swing in the driving range, it will record the data of the time of getting on the pole, the time of getting off the pole and the speed of swinging, not only telling you where there is something wrong with your movements, but also giving you a solution.
In addition to coaching bronze players, it also has a court model comparable to "plug-in" for advanced players who can leave the stage.
When you play ball on the court, the first question you face is where and how to play.
There are 18 holes in a game, where the green is, where the obstacles are, and how far it is from you, all of which affect the direction and strength of the player’s swing, and are very important. It’s easy to say that the stadium is familiar. If you haven’t played a few times, it’s easy to not play well because you don’t know the situation of the stadium.
In response to this problem, Huawei WATCH GT 3 Pro is equipped with a series of skills:
There are not only maps of more than 300 golf courses in China, but also tips such as the slope of the green, the wind speed and direction of the day. It can be said that wearing the watch will directly open the perspective of God;
You can also estimate the impact point of each shot according to your previous serving distance, and calculate the distance between yourself and the bunker and the green to achieve accurate planning.
After the ball was hit, the second question came. How did you play and how should you improve?
The answer of Huawei WATCH GT 3 Pro is exactly the same as the mother who took away your lucky money in the New Year when she was a child: Don’t worry, I will remember it for you!
It can automatically perceive and record whether it is the score of strokes per hole, the hit rate of tee-off, the rate of putting on the green, or your hitting position and distance of each stroke.
Big data plays ball, experience winning hemp!
In terms of free diving, its function is as good as golf, and it can accompany you within 30 meters.
When you dive into the water and start to explore the limit, Huawei WATCH GT 3 Pro will silently start to record your real-time dive speed, real-time depth, maximum depth and other professional data.
When I go back to the shore, I can see how many points the "exam" is clear, and I will know where to work hard next time. It is also useful on land. Huawei WATCH GT 3 Pro clearly knows that if you want to perform well in the water, you can’t lack the function of land breath-holding training. It can record the duration of breath-holding, real-time heart rate data, and make a breath-holding training table.
To this point, it can be said that Huawei WATCH GT 3 Pro has already got a glimpse of the high-end sports assistance, and the function development related to golf and free diving is quite in-depth and easy to use.
Before the mid-19th century, few people wore watches, and everyone’s portable watches were basically pocket watches. The reason why watches can catch up and kill pocket watches is mainly based on two words: convenience, which can be seen when worn on your wrist and lifted.
This convenience is not only reflected in timing, but also in health examination. After all, there is no wearable smart device that can stay in the human body for such a long time.
Compared with most smart watches, Huawei WATCH GT 3 Pro has enough health services: both professional health detection system and professional health management functions.
In terms of detection, in order to detect comprehensively, accurately and in time, hardware and algorithms have to be piled up. Huawei WATCH GT 3 Pro upgraded sensors, electrodes and data processing technologies, which reduced the loss rate of detection signals and made the accuracy higher.
But! If you have this, you can only measure your heart rate, blood oxygen and sleep, then it’s a good experience at best, and it’s still far from the high end.
To make the health function high-end, it is necessary to make the whole point deeper and more different! Huawei clearly understands this.
Take ECG ECG analysis as an example. In recent years, many smart watches will do this function, but Huawei has gone deeper this time. Not only is the collection speed fast, but the analysis results are also diverse. It can prompt anything that cannot be prompted by the table of ventricular premature beats and atrial premature beats.
Moreover, it also provides paid professional doctors’ interpretation services, and selects doctors from the top three hospitals in China to provide professional ECG interpretation reports, giving more comprehensive ECG interpretation results and health care suggestions.
In addition, it also joined the vascular health research initiated by the China Medical Association, which kept the words "concern about the risk of cardiovascular diseases" in mind.
Don’t ignore this function. According to China Cardiovascular Disease Report 2018, the number of people who died of cardiovascular and cerebrovascular diseases in China accounts for more than 40% of the deaths of residents.
To assess the risk, a key index is vascular elasticity, and the decrease of elasticity is a major feature of early vascular damage. Frequently testing pulse wave velocity and evaluating vascular elasticity is equivalent to doing a "micro-physical examination" at home.
High-end health functions must not only have data, but also have professional services. Huawei WATCH GT 3 Pro not only provides comprehensive monitoring data, but also provides you with professional health advice to help you assess the risk of arteriosclerosis.
Huawei WATCH GT 3 Pro’s health has been deepened because it also joined the heart health research and sleep apnea research projects of 301 Hospital, and established a comprehensive and active health management system, which made wearing smart watches truly become wearing health.
Smart watches are not accessories for mobile phones! As a wearable smart device that can accompany you for 24 hours, it has its own unique value and health attributes. At the same time, it is a window to show your taste.
In these respects, Huawei WATCH GT 3 Pro’s high-end advanced work is quite good, with texture, professional high-end sports and rigorous and scientific health services.
But is that enough? Certainly not, if only these, the utilization rate of resources on this wrist will be slightly insufficient.
Think about it, this thing is directly on your wrist, and it is often faster to call it than to take out your mobile phone. The functions of opening the entrance guard and swiping the payment code are inseparable when used, because it is too convenient.
At this point, Huawei WATCH GT 3 Pro also got it.
In addition to these surprises, wisdom has experienced this traditional art ability, and it has done a good job. HarmonyOS is increasingly rich in ecology, and the apps such as navigation, vertical and horizontal, map software and daily Alipay that are often used for business trips can be downloaded.
In terms of battery life related to all functions, the performance of Huawei WATCH GT 3 Pro is still at the level of martial arts, and there is no anxiety about charging: the titanium model can last for eight days after heavy use; The use of general strength can last for two weeks, and the typical scene of ceramic models can last for seven days; Heavy scenes also have a battery life of 4 days.
From all aspects, Huawei WATCH GT 3 Pro has really made great efforts for this niche vacancy of smart watches in high-end, not only retaining the genes of Huawei’s "all-round" players, but also seeing the attention of many business users at home, and the key functional attributes have also achieved high-end destruction. For people who want to play these sports and want more accurate and professional health management, it is definitely one of the most worthwhile wearable smart items you can invest in this year.
Solution to abnormal sound of golf brake;
1. If it’s screaming, first check whether the brake pads are running out (the alarm disc sounds). If it’s a new disc, check whether there are any foreign objects caught between the brake disc and the disc.
2. If it is muffled, it is mostly a problem with the brake caliper, such as the wear of the movable pin and the falling off of the spring piece;
3, if it is filar silk called more problems, calipers, brake discs, brake pads may have problems. In case of abnormal brake sound, it is recommended to go to the repair shop for inspection and treatment in time for driving safety. Golf is a classic hatchback small family car launched by FAW-Volkswagen. In terms of body size, its length, width and height are 4199mm, 1786mm and 1479mm respectively, and its wheelbase is 2578 mm.
4. It is recommended to go to 4S for inspection and solve it for you free of charge. Possible situation and treatment: If it is screaming, the first thing to check is that the brake pads are almost used up (the alarm sounds). If it is new, check whether there is any foreign matter between the brake disc and the brake disc.
CCTV News:A head of South Korea’s Unification Ministry said today (January 31st) that a 45-member South Korean ski delegation took a charter flight to the DPRK this morning to conduct a two-day joint training at the Ma Yuling Ski Resort in North Korea.
The person in charge said that the Korean delegation flew from Xiangyang Airport in Gangwon Province to Gema Airport in Yuanshan City, North Korea by charter flight this morning. After the joint training on February 1st, the Korean delegation will return to Xiangyang Airport by charter flight. At that time, the DPRK delegation will take the opportunity to visit South Korea with the Korean delegation, including Korean alpine skiers, cross-country skiers and coaches.
Maxiling ski resort
It is understood that more than 20 of the 45 South Korean delegations who went to North Korea to participate in joint training were athletes, and other personnel included auxiliary personnel and joint interview groups. According to the schedule, Korean and Korean athletes will have freestyle skiing training on the first day of training, and joint training and friendly matches will be held on the second day of training.
Previously, the ROK has been pushing the delegation to take a charter flight to the DPRK to participate in joint training. However, according to the latest US sanctions against the DPRK, aircraft passing through the DPRK are prohibited from entering the United States within 180 days. Therefore, the ROK has been negotiating with the United States recently, hoping that the United States will exclude the aircraft it took during its visit to the DPRK from the sanctions. It was not until this morning (January 31) that the ROK and the US reached an agreement on this matter.
In fact, this time, Korean athletes went to the DPRK for joint training, and it was only after many consultations between the ROK and the DPRK and field visits by the advance team that they finally made it.
On January 17, representatives of the DPRK and the ROK reached an agreement on a number of issues concerning the DPRK’s delegation to participate in the PyeongChang Winter Olympics, including the joint training of Korean and Korean skiers at the Mashiling Ski Resort in North Korea.
On January 23, a 12-member Korean advance team entered North Korea by land via the North-South Exit-Entry Office, and started a three-day trampling for the Korean-Korean joint cultural activities and joint skiing training.
On the 24th, the South Korean advance team focused on the Maxiling Ski Resort and Gema Airport. During the three-day visit to the DPRK, the advance team all stayed at the Maxiling Hotel to inspect the accommodation facilities for Korean athletes going to the DPRK for joint training.
Maxiling Ski Resort, located in Xinfengli, Yuanshan District, gangwon, North Korea, is one of the key construction projects in North Korea. It is about two hours’ drive from the Korean-Korean military demarcation line and about 200 kilometers from Pyeongchang. The ski resort was built in 2013 according to the instructions of Kim Jong-un, the top leader of North Korea, and includes a number of ski trails, a hotel, a helipad and a ski lift.
60% of Koreans are optimistic about North Korea’s participation
According to a survey released by a polling agency in South Korea today, about 60% of Koreans have a positive attitude towards North Korea’s participation in the 2018 PyeongChang Winter Olympics. 1,074 adults in South Korea accepted the survey, and the results showed that 61% of the respondents gave positive comments on the participation of North Korean athletes, and 58% of the respondents had a positive attitude towards the joint cheerleading team between South Korea and North Korea.
The PyeongChang Winter Olympics will be held from February 9 to 25. Kim Jong-un, the top leader of North Korea, expressed his intention to participate in the Winter Olympics for the first time in his New Year message on the 1st of this month, stressing the need to improve relations between the DPRK and the ROK in the new year, which received a positive response from the ROK.
Editor: Li Xingchi
Inclusive finance is an important force for rural revitalization. Since the beginning of this year, financial institutions have made active efforts in inclusive finance, drawing fresh water from finance to irrigate all kinds of agriculture-related entities, especially to solve the problem that financing is difficult and expensive for small and micro-agricultural entities. How to get through inclusive finance’s blocking points in agriculture-related fields? How to improve the service coverage of inclusive finance? Next, we need to continue to deepen the writing of inclusive finance.
Building a Multi-service System
Inclusive finance has made great progress since it was put forward. The inclusive finance concept has not only been deeply rooted in people’s hearts, but also established a multi-level supply and service system. From the perspective of agriculture-related financial services, various financial institutions actively promote rural revitalization, focus on the field of financial services, actively rationalize the mechanism, expand the scope and improve the quality, and accurately irrigate the living water of finance into the fields.
Recently, the State Council issued the "Implementation Opinions on Promoting High-quality Development in inclusive finance", which pointed out the direction for the implementation of inclusive finance. The "Implementation Opinions" proposes to guide all types of banking institutions to adhere to positioning and healthy competition. Promote all kinds of banking institutions to establish and improve a long-term mechanism that dares to lend, is willing to lend, can lend and will lend. Experts said that banking institutions should not rush into the field of "agriculture, rural areas and farmers". Different banks should develop characteristic financial products based on the characteristics of their own customer groups and serve the field of "agriculture, rural areas and farmers" step by step.
From a macro point of view, financial institutions are accelerating the construction of inclusive finance, and the path and road map of inclusive finance’s service to agriculture, countryside and farmers have become clearer. For example, large and medium-sized banks set up inclusive finance business department to extend the service scope of inclusive finance by establishing franchise mechanisms such as separate credit plans; Local corporate banks combine their own positioning, strengthen inclusive finance’s strategic orientation, and use their popularity and geographical advantages to serve small and micro, "three rural" customers; Policy banks will cooperate in lending business in key areas in inclusive finance.
Ye Yindan, a researcher at China Bank Research Institute, said that it is of great significance to emphasize the construction of multi-level financial services when serving rural revitalization. Constructing multi-level financial services can meet the financing needs of small and micro enterprises and farmers in rural areas. Traditional financial institutions have high approval standards for loans to small and micro enterprises and farmers, and it is difficult to meet their financing needs. The construction of multi-level financial services can introduce more non-bank financial institutions and social capital to participate in rural financial services, provide more flexible and convenient loan channels, help small and micro enterprises and farmers solve capital problems and promote their development and growth.
With the deepening of inclusive finance, the coverage of financial services has gradually expanded, especially the basic financial services in counties and rural areas have developed rapidly. At present, 97.9% of the country’s banking institutions cover villages and towns, basically realizing that villages and towns have institutions, every village has services and every family has an account. At the end of the third quarter of 2023, the balance of agricultural loans in local and foreign currencies was 55.8 trillion yuan, up 15.1% year-on-year, and the growth rate was 1.1 percentage points higher than that at the end of last year. In the first three quarters, it increased by 6.63 trillion yuan, an increase of 1.17 trillion yuan.
The continuous growth of agriculture-related loans is the concrete embodiment of "agriculture, countryside and farmers" of precision drip irrigation in inclusive finance. The relevant person in charge of the State Financial Supervision and Administration said that comprehensively promoting rural revitalization is an important task of building an agricultural power in the new era, and more financial resources should be allocated to the fields of agriculture, rural areas and farmers to better meet their diversified and multi-level financial needs.
Guarantee investment in key areas
Since the beginning of this year, banking institutions have focused on farmland construction, rural characteristic industries and other key areas, strengthened services in inclusive finance, increased sustained investment in agriculture, and achieved remarkable results in rural revitalization.
Inclusive finance should strengthen the foundation of farmland construction for rural revitalization. This year, the Guiding Opinions on Financial Support for Promoting Rural Revitalization in an All-round Way and Accelerating the Construction of an Agricultural Power issued by the People’s Bank of China and the State Financial Supervision Administration clearly stated that in accordance with the requirement of gradually building all permanent basic farmland into high-standard farmland, we should focus on key areas such as soil improvement and farmland irrigation and drainage facilities, give differentiated policy inclinations in the subject of loans, repayment methods and loan term, and explore and promote comprehensive improvement in the whole region to help build, transform and upgrade high-standard farmland.
"inclusive finance can play an important role in promoting the construction of high-standard farmland." Ye Yindan said that the construction of high-standard farmland needs a lot of capital investment, including investment in land consolidation, water conservancy facilities and agricultural machinery. However, due to the lack of funds for farmers and grass-roots village collectives, it is difficult to bear high investment costs. At this time, institutions in inclusive finance can provide financial support for its high-standard farmland construction by providing loans and credit guarantees, so as to alleviate the pressure of capital investment.
In addition, it is also the focus of inclusive finance’s efforts to help rural characteristic industries with credit, and financial institutions should increase the financing of characteristic industries. "With this working capital, the Hakka smoked chicken factory in the village will be able to produce at full capacity." Li Zhenqiu, head of Tianbei Village Stock Economic Cooperative in Dajishan Town, quannan county City, Jiangxi Province, said that at the end of each year, the local Hakka smoked chicken sales increased substantially. In the past, due to the lack of working capital, the village collective cooperatives had problems such as falling behind in production capacity and losing customers. In order to broaden the financing channels of characteristic industries, quannan county United Rural Commercial Bank launched the appointment of "financial village officials" to inject financial living water into agriculture-related industries such as agricultural enterprises, cooperatives and large-scale farmers. From January to October this year, the "financial village official" model issued a total of 2.683 billion yuan of agricultural loans, benefiting 9664 farmers.
"Characteristic industry is an important sector to realize rural revitalization, and it is the key to increase farmers’ income and stabilize agricultural development. There are weak links in its development that need effective support from inclusive finance services." Wu Dan, a researcher at China Banking Research Institute, said that the bank’s inclusive business should meet the needs of differentiated products and services in key rural areas and enhance the sense of financial acquisition of rural inclusive groups. Inclusive finance’s support for rural industries should be orderly and focused, and the characteristic industries in key rural areas should be accurately drip-irrigated, so as to solidly promote China’s rural revitalization and achieve comprehensive achievements.
Inclusive finance enables the development of key rural areas, which can touch the capital demand of agricultural business entities with large quantity, wide range and small amount. Experts said that with the support of financial institutions’ inclusive business, the development of rural key areas can obtain periodic and regional resource scheduling, and the problem of information asymmetry of agricultural entities will be gradually solved, which will promote the more rational allocation of financial resources to the "three rural" areas and promote the sustainable development of rural small and micro-business entities.
Innovating and optimizing financial products
Innovating and optimizing financial products and reducing financing costs are the important goals of inclusive finance’s development. For a long time, whether it is individual farmers or village collective organizations, the high financing cost is a common problem, which restricts the development of rural industries. Judging from the current rural financial products at the grass-roots level, inclusive finance, an individual banking institution, has the characteristics of single loan product structure, high interest rate and slow lending, and the phenomenon of high customer access threshold and low loan availability is more common.
For example, in order to reduce financial risks, many banking institutions generally have additional mortgage guarantee requirements for financial products. This form of mortgage guarantee has undoubtedly raised the threshold for capital access for the majority of small farmers with light assets. In addition, due to the current situation of cumbersome credit procedures and insufficient humanized services in grass-roots financial institutions, and the fact that grass-roots financial institutions will consider financial risk prevention, they often use restrictive means to curb the actual demand for agricultural credit.
Experts said that financial institutions should enrich financial products and services that support the development of farmers and optimize credit loan services for farmers. Credit loans have high requirements for financial institutions’ financial technology level and asset strength. It is not only time-consuming and laborious to tailor credit files for users by traditional methods, but also requires huge financial support. In order to comprehensively promote the implementation of rural revitalization strategy and help the development of new rural collective economy, financial institutions need to constantly innovate credit loan products to meet the financial needs of agricultural customers.
The credit business of rural collective economic organizations is an important part of inclusive finance and agriculture-related loans of China Construction Bank. "Collective Credit Loan" is a credit loan product developed by CCB for rural collective economic organizations. Recently, the first "collective credit loan" in China was successfully launched in Shaanxi Ankang Cailiang Community Economic Cooperative, with a credit amount of 5 million yuan. The head of the grass-roots government team of the institutional business department of CCB said that in order to help rural areas revitalize high-quality development, CCB has provided "accurate portraits" for more than 13,000 rural collective economic organizations across the country, provided credit evaluation for financing services, improved the convenience of financing for rural collective economic organizations, and solved the pain points of less products, expensive services and long process in the rural market.
Reduce financing costs and strengthen the resilience of agriculture-related subjects. Experts said that for commercial banks, continuously innovating loan products and reducing financing costs are conducive to rapidly increasing the scale of inclusive loans and expanding new customer groups while consolidating existing customers. In the future, commercial banks need to innovate the digital business model to solve the problem of expensive financing, further strengthen the docking of scenes with agriculture-related subjects, so as to adapt to the needs of different industries and different customer groups, and then promote the expansion of financial services to rural areas.