乐上海 2021魔都新茶论坛 – 上海后花园论坛-上海419论坛-夜上海论坛-阿拉爱上海

Beijing introduced provident fund loans and extracted the New Deal.

　　The Beijing Housing Provident Fund Management Center has issued the Notice on Adjusting the Individual Housing Loan Policy of Housing Provident Fund and the Notice on Implementing streamline administration, delegate power, strengthen regulation and improve services, Optimizing the Business Environment and Improving the Service Level of Housing Provident Fund Collection, which will completely change the withdrawal and loan of housing provident fund in the future. These policies will be officially implemented from September 17, 2018.

　　Among them, "recognizing the house and recognizing the loan", "the deposit amount is linked to the deposit period" and "buying a house in a different place cannot be extracted at will" are all key words!

　Young people　

　　Only when the loan amount is linked to the deposit period for more than 11 years can the loan be 1.2 million yuan.

　　In the past, the maximum amount of provident fund loans was 1.2 million yuan, and the length of deposit time would not affect the amount; The New Deal will link the loan amount with the deposit period of the housing provident fund of the borrower.

　　The relevant person in charge of the Beijing Housing Provident Fund Management Center said that in order to reflect the fairness and impartiality of the system,You can borrow 100,000 yuan every year, with a maximum loan of 1.2 million yuan.

　　There are also several special circumstances when calculating the deposit period. If the deposit period is less than 1 whole year, it shall be calculated as 1 whole year. For example, if the deposit period is 13 months, it will be counted as two years, and the loan can be 200,000 yuan. In addition, if the loan applicant is married, the calculated loan amount will not be added up, but will be calculated by the spouse who has paid for a long time.

　　For example, if a 22-year-old college graduate starts to pay the provident fund after taking office, under normal circumstances, it will take more than 11 years to pay for a loan of 1.2 million yuan, that is, about 34 years old. "This is mainly to guide citizens to reasonable housing consumption and implement’ rental and purchase at the same time’ and’ rent before buying’." The person in charge said.

　Buy a "second house"???　

　　The maximum loan amount for the second suite is reduced to 600,000.

　　Since September 17, 2018, the personal loan of Beijing Provident Fund has also changed the rules for judging the "second suite" and become the same as the commercial loan.

　　"House" refers to the house of the borrower under the name of Beijing, and "loan" refers to the national personal housing loan records in the PBOC credit information system, including commercial housing loan records and housing provident fund personal housing loan records.

　　In other words, if the loan applicant has no housing loan record and no housing in this city, it will be handled according to the first home loan policy; Anyone who does not belong to the first suite and is approved as a second suite shall be handled according to the second suite loan policy; If it is approved that there are two or more houses, no loans will be granted.

　　Specifically, it is counted as the "second suite":There is only one set of housing in this city; There is only one housing loan record in China; There is a housing loan record, and there is a house in this city, and it is the same house.If there are two or more houses in this city, or there are two or more housing loan records in the country, or there are housing loan records and houses in this city that are not the same house, the loan will not be granted.

　　At the same time, the New Deal lowered the maximum loan amount for second-home loans.From 800,000 yuan to 600,000 yuan. Generally speaking, if you are judged as a "second suite" after "recognizing the house and recognizing the loan", you will face a decrease in the loan amount and an increase in the down payment ratio compared with the past.

　First payment ratio　???　

　　The down payment ratio is no longer uniform: 20% for ordinary houses, 35% for two sets, and 80% for non-ordinary houses.

　　Whether it is the first suite or the second suite will directly affect the down payment ratio. Similar to last year’s "3.17 New Deal", the down payment ratio for purchasing a house with provident fund loans will vary according to the nature of the house:

　　From low to high, buyAffordable housingYes, the down payment ratio is not less than 20%;

　　buyPolicy housing such as shared property rights.The first set of housing, the down payment ratio is not less than 30%;

　　buyThe first set of ordinary self-occupied housing other than policy housingThe down payment ratio is not less than 35%;

　　buyThe first set of non-ordinary self-occupied housing other than policy housingThe down payment ratio is not less than 40%;

　　buyOrdinary self-occupied house and second house.Yes, the down payment ratio is not less than 60%;

　　buyNon-ordinary self-occupied housing and second housing.Yes, the down payment ratio is not less than 80%.

　　The identification standards for ordinary self-occupied housing and non-ordinary self-occupied housing will be implemented in accordance with the "Notice on Adjusting the Average Transaction Price of Ordinary Housing in this Municipality to Enjoy Preferential Tax Policies". Generally speaking, ordinary self-occupied housing refers to the plot ratio above 1.0 (inclusive) and the single building area below 140 square meters (inclusive), and is determined with reference to its actual transaction price.

　Chengliuqu　???　

　　Buying a house from the sixth district of the city to the outside of the sixth district can be floated. The east-west city will float 200,000 and the Haifeng Stone will float 100,000.

　　In order to implement the relevant requirements of Beijing’s overall urban planning, the New Deal can increase the maximum loan amount by 100,000 yuan and 200,000 yuan on the basis of 1.2 million yuan for families who purchase houses outside the six districts of Beijing.

　　Specifically,

　　The household registration of the loan applicants are all in Beijing.Dongcheng DistrictorXicheng DistrictYes, the purchase of the first home outside the six districts (Dongcheng, Xicheng, Chaoyang, Haidian, Fengtai and Shijingshan) can increase the maximum loan amount by 200,000 to 1.4 million yuan;

　　If the household registration is inChaoyang, Haidian, Fengtai and Shijingshan DistrictsYes, the maximum loan amount can be increased by 100,000 yuan to 1.3 million yuan when purchasing the first house outside the six districts of the city.

　Middle-aged and elderly years　???　

　　The longest loan period is 65 years old.

　　Previously, the longest loan period of provident fund personal loans can be calculated until the borrower is 70 years old; Now it is adjusted to the maximum age of 65 in principle. If the loan applicant is married, the loan term shall be calculated by the longer of the husband and wife.

　　For example, if the applicant is over 55 years old, the maximum loan period used to be 15 years, but now it will be reduced to 10 years.

　Monthly salary family　???　

　　If the monthly repayment amount does not exceed 60% of the monthly income, the amount will be reduced if the income is insufficient.

　　On the premise of ensuring the basic living expenses of the loan applicant, according to the loan amount, term and applicable interest rate applied by the loan applicant, the monthly repayment amount calculated by the equal principal and interest repayment method,Not exceeding 60% of the monthly income of the loan applicant..

　　In fact, the "monthly repayment amount not exceeding 60% of monthly income" will more importantly affect the loan amount.

　　Calculate the account! If you use the provident fund loan of 1.2 million yuan for 25 years, the monthly payment of equal principal and interest is 5848 yuan according to the benchmark interest rate of 3.25%. According to the New Deal, the monthly income should reach at least 11,230 yuan on the basis of basic living expenses.

　Buying a house outside Beijing　???　

　　The purchase of houses in different places is no longer taken casually, only the domicile or the provincial capital where the domicile is located can be bought.

　　"Although it has been realized to purchase houses in different places to withdraw the provident fund, a large number of forged materials have also been found to defraud the provident fund." The relevant person in charge of the Beijing Housing Provident Fund Management Center said that in practice, many applicants were found to have forged property certificates, household registration books, identity cards, house purchase contracts and even government websites.

　　To this end, the New Deal will also standardize the purchase and withdrawal business, and it is no longer necessary to purchase housing in any city to withdraw the provident fund in Beijing. It is reported that in addition to buying houses located in the administrative area of Beijing,The withdrawal of provident fund is limited to the purchase of housing in the county, city or provincial capital city where the household registration is located as recorded in the ID card and household registration book of the person and spouse.

　　For example, if the purchaser’s household registration is in Zhangjiakou City, Hebei Province, he can only withdraw the provident fund when purchasing Beijing housing, Zhangjiakou housing and Shijiazhuang housing; If the person buys a house in Langfang, such as Beisan County, he cannot withdraw the provident fund.

　　It should also be noted that,If the depositor and spouse of the housing provident fund have records of house purchase withdrawal in the administrative area of Beijing, they cannot apply for house purchase withdrawal in different places.

　Entering the city　???　

　　Migrant workers can cancel their accounts and extract men over 55 years old and women over 50 years old.

　　For migrant workers to terminate the labor relationship with their units, if the household registration is local, it shall be handled in accordance with the provisions on the extraction of local household registration personnel;

　　If the household registration is from other places, if you go to other provinces and cities because of work changes and have established housing provident fund locally, you can apply for the transfer of housing provident fund in different places;

　　If the housing provident fund has not been established locally, the payer of the housing provident fund may cancel the account when he is 55 years old for men and 50 years old for women.

　Big patient　???　

　　In principle, cancel the extraction of serious illness.

　　In order to curb fraud and fraud by means of serious illness, this Municipality has in principle cancelled the extraction of major diseases as stipulated in the Notice on the Extraction of Housing Provident Fund for Employees’ Family Emergencies.

　　At the same time, if the depositor applies for the agreed withdrawal,After the first extraction is completed, the agreed extraction interval is adjusted to three months, six months or one year.

　Single-position and full-time worker　???　

　　Illegal withdrawal for 5 years, no mention and no loan.

　　According to the New Deal, in the future, the city will increase penalties for illegal withdrawal of provident fund. For employees who illegally withdraw housing provident fund, the management center immediately freezes their housing provident fund accounts, orders them to fully refund the amount illegally withdrawn, records personal information in the bad information database, and refuses to apply for housing provident fund withdrawal or accept housing provident fund loan applications within five years from the date of discovery of violations.

　　At the same time, it also copied the bad information to the Municipal Administration for Industry and Commerce, the Municipal Economic and Information Committee and other departments in accordance with the law, and implemented joint punishment. If the personal housing provident fund account is transferred to a different place, the bad records extracted illegally will be transferred with the personal account.

　Apply for a loan　???　

　　A large number of materials have been completely streamlined.

　　In addition to adjusting many loan rules, relevant materials have also been streamlined with the implementation of the New Deal. In terms of loan application materials, in order to facilitate the loan applicant, when accepting the loan application, the loan handling department of the management center only keeps the original house purchase contract (if it is inconvenient to provide the original, a copy is provided) and the original Certificate of Deposit and Use of Housing Provident Fund for Employees with Foreign Loans; After verification, the remaining loan application materials shall be kept in electronic image files for review and retrieval during business handling.

　　At the same time, the current loan contract retained by the management center, Beijing Housing Loan Guarantee Center, the borrower and the entrusted bank will be reduced to one for the management center, the borrower and the entrusted bank, and the Beijing Housing Loan Guarantee Center will not be retained.

　Single-position account opening　???　

　　Open an account and deposit the whole process online.

　　For provident fund deposit units, in addition to the deposit business that can be completed online, the unit registration account opening and information change can be handled by the manager at the housing provident fund counter, or the unit manager can directly complete the registration account opening and information change business by logging in to the online business platform of Beijing Housing Provident Fund Management Center (http://www.bjgjj.gov.cn).

　　If it is the first time for the company to register and open an account online, the selected management department is responsible for reviewing the information provided by the company, informing the company of the audit results and guiding the company to handle the business in the next step; If there are still complicated problems that cannot be solved by online or telephone, notify the unit manager to the management department or the management department will send someone to the unit to guide and solve them.

　Unit business　???　

　　The city’s general payment and withdrawal realize the nearest office.

　　In the past, the city’s provident fund business was handled according to the territory; From next Monday, the deposit unit can choose one of the 18 management departments under the management center and the bank outlets entrusted with the housing provident fund collection business to handle the housing provident fund deposit and withdrawal business according to the principle of proximity and convenience. The management department or bank outlets selected by itself can be fixed or not.

　　In terms of simplifying the handling of materials, the deposit unit and the depositor handle the business of registration, account opening, deposit, change and inquiry through the online business platform of housing provident fund or mobile client, and the business handling department no longer prints and keeps paper files, but only keeps electronic files; The management department and the entrusted bank outlets only need to take images of the original application materials and keep them as electronic files when handling the registration, account opening, deposit, withdrawal, transfer, change and inquiry of the housing provident fund deposit unit, and do not keep copies of the business handling materials.

　Other doubts　???　

　　Authoritative answer

　　Q: Is the execution time based on online signing or loan application?

　　A: All relevant policies will be implemented as of September 17, 2018. If they have been signed online before, they will be implemented according to the original regulations. This regulation is mainly aimed at the municipal provident fund, and the the Central Committee of the Communist Party of China directly under the authority Sub-center, the Central State Organs Sub-center and the Beijing Railway Sub-center can be implemented with reference to this notice, unless otherwise stipulated.

　　Q: Can I get a loan of 1.2 million yuan after 12 years of deposit?

　　A: 1.2 million is only the maximum amount. The actual approved loan amount is also related to the monthly deposit amount, the maximum loan percentage, and the proportion of monthly repayment amount to monthly income.

　　Q: Can I still withdraw the provident fund if I have purchased a foreign house and made the first withdrawal?

　　A: The new regulations require that you can purchase a house in a provincial capital city where your household registration is located or where you are located before you can apply for a house purchase in a different place to withdraw the provident fund. In addition, the reporter also learned that if a foreign house has been purchased and has been extracted for the first time, it will be extracted normally according to the original policy.

　　Q: The registered employees in the sixth district of the city have not paid for 12 years. Can they enjoy the "quota floating policy"?

　　A: The loanable amount can be increased by 100,000 yuan or 200,000 yuan based on the actual deposit period of registered employees in the six districts of the city, but the final loan amount should not exceed the loan amount calculated according to the policy that the monthly repayment amount of the deposited employees does not exceed the control standard of their monthly income proportion.

　　Q: Does the "floating quota policy" apply to married employees?

　　A: It depends. If one of the husband and wife is registered in the sixth district of the city and the other is registered outside the sixth district of the city, the purchase of housing outside the sixth district of the city will not enjoy the floating; If one of the husband and wife has a household registration in Dongxi District and the other has a household registration in Chaoyang District, Haidian District, Fengtai District and Shijingshan District, they can buy a house outside the six districts of the city and enjoy a floating rate of 100,000 yuan; If both husband and wife’s household registration are in the east and west urban areas, they will buy houses outside the six urban areas and enjoy a floating rate of 200,000 yuan; If a single person buys a house outside the six districts of the city, the registered employees in the east and west cities will enjoy a floating rate of 200,000, and the registered employees in Chaoyang District, Haidian District, Fengtai District and Shijingshan District will enjoy a floating rate of 100,000.

National Health and Wellness Commission： Adding antigen detection as a supplement to nucleic acid to improve early warning sensitivity.

CCTV News:A few days ago, the State Council organized and formulated the "Covid-19 Antigen Detection Application Scheme (Trial)" in response to the comprehensive group of novel coronavirus epidemic prevention and control mechanism, and decided to add antigen detection as a supplement on the basis of nucleic acid detection. What is antigen testing? What are the suitable populations for antigen testing? Can self-test results replace nucleic acid results? Let’s look at the expert’s interpretation.

According to the person in charge of the Clinical Laboratory Center of the National Health and Wellness Commission, compared with nucleic acid detection, antigen detection can be faster and more convenient to operate, but its accuracy is lower, and it is generally used in the early stage of infection.

Li Jinming, Deputy Director of Clinical Laboratory Center of National Health and Wellness Commission:Because there are four kinds of structural proteins in COVID-19, the protein N is the largest in COVID-19 (among structural protein antigens), and it will be released in our pharynx after infection, so we can determine whether it is possible to infect Covid-19.

Experts said that nucleic acid detection is still the basis for the diagnosis of Covid-19 infection, and antigen detection as a supplementary means can be used for screening specific people, which is conducive to improving the ability of "early detection".

Li Jinming, Deputy Director of Clinical Laboratory Center of National Health and Wellness Commission:Antigen testing can’t replace nucleic acid testing, but it can find out the possible source of infection in time, and then do nucleic acid-related testing.

The relevant person in charge of the National Health and Wellness Commission said that at present, due to the superposition of imported cases and local cases, the current epidemic situation in China is in a state of local gathering and multi-distribution. According to the characteristics of transmission in Omicron, the monitoring mode of "antigen screening and nucleic acid diagnosis" should be popularized, so that people can buy their own tests, which is conducive to early detection and improve the sensitivity of monitoring and early warning.

Li Jinming, Deputy Director of Clinical Laboratory Center of National Health and Wellness Commission:Because (cases) are scattered, how to control them, so it is the most important application scenario to push out antigens at this time.

Three types of people are suitable for antigen testing: first, people who go to primary medical and health institutions and have symptoms such as respiratory tract and fever within 5 days; Second, isolated observers, including those in home isolation observation, close contact and sub-close contact, entry isolation observation, closed control area and control area; Third, community residents who have the need for antigen self-testing.

Li Jinming, Deputy Director of Clinical Laboratory Center of National Health and Wellness Commission:Although antigen detection is not as sensitive as nucleic acid, it can be detected by most patients when the virus concentration is relatively high.

Experts say that antigen detection is fast and convenient. The sooner an infected person is found, the less the virus will spread, and the faster we can take prevention and control measures, and finally we can achieve "dynamic zero clearing" at a faster speed.

Yesterday, National Medical Products Administration approved the registration applications of five COVID-19 antigen products. Since then, a total of 10 COVID-19 antigen self-test products have been officially listed. The self-test of antigen needs to read the instructions carefully, and carry out sampling, sample addition and result interpretation in accordance with the specified requirements and procedures.

Li Jinming, Deputy Director of Clinical Laboratory Center of National Health and Wellness Commission:Self-test is generally to take nasal swab, and the general temperature is room temperature. Let’s do the test below, not too cold or too hot.

Persons with positive antigen self-test, regardless of whether they have symptoms such as respiratory tract and fever, should immediately report to their communities (villages and towns), and the communities (villages and towns) should contact the emergency center to transport residents to medical institutions with fever clinics for nucleic acid detection in accordance with the guidelines for the transport of personnel related to the COVID-19 epidemic. At the same time, the sampling swabs, sampling tubes and test cards used by positive personnel are put into sealed bags and transported to medical institutions for medical waste disposal.

People with negative antigen self-test but symptoms are advised to go to a medical institution with fever clinic as soon as possible for nucleic acid detection; If it is inconvenient to see a doctor, you should isolate yourself at home, avoid going out for activities, and conduct antigen self-test once a day for 5 consecutive days.

Ministry of Industry and Information Technology： The ＂Thirteenth Five-Year Plan＂ will accelerate the application capability of big data industry

　　Xinhua News Agency, Beijing, January 31 (Reporter Zhang Xinxin) The Ministry of Industry and Information Technology recently issued the "Big Data Industry Development Plan (2016-2020)", specifically proposing to accelerate the application capacity of the big data industry. By 2020, the revenue of big data-related products and services will exceed 1 trillion yuan, and the compound annual growth rate will remain around 30%.

　　With the advancement of informatization, data has become an important resource. At present, big data is widely used in life. For example, map software uses it to measure congested road sections to prompt travel, and shopping software uses it to analyze consumers’ preferences for precise marketing. In the field of home care, children’s smart watches with safe positioning and other functions are also popular in the market. In 2016, the total annual sales of 360 children’s watches reached 1.82 million units. Up to now, the total mileage of guarding children has reached 2.38 billion kilometers.

　　However, in industrial production, especially in promoting intelligent manufacturing and industrial transformation and upgrading, the application capability of big data needs to be improved. For example, accurately sensing user needs through big data to improve R&D efficiency; Use big data monitoring to optimize assembly line operation and strengthen fault prediction and management; Use big data to improve management efficiency and decision-making level, and realize the intelligence of business activities.

　　Some big data companies have tried first and laid out their industrial applications. Inspur Group launched its big data market last year. At present, Inspur Enterprise Big Data has been applied to China Grain Storage, China Energy Conservation and other enterprises to provide accurate data analysis and management. Among them, Inspur built a big data platform for intelligent grain depots for China Grain Storage, and realized intelligent warehousing and decision-making.

　　According to the Ministry of Industry and Information Technology, in the future, big data will be applied in the whole process of industrial production. On the one hand, it will greatly improve the efficiency of internal operation and management of enterprises; on the other hand, it will develop personalized customization based on big data to enhance the intelligence and flexibility of manufacturing processes.

　　The Ministry of Industry and Information Technology will also build a "double innovation" platform for big data of manufacturing enterprises to cultivate new technologies, new formats and new models. In particular, it is necessary to use big data to promote the transformation, upgrading and development of small and medium-sized enterprises.

It’s snowing and cooling in these places. See if there is your hometown？

　　Cctv newsAfter the low temperature of-41.1 degrees Celsius appeared in Mohe City, Heilongjiang Province yesterday (4th), the temperature continued to drop this morning (5th). At 7 o’clock in the morning, the temperature in Luoguhe Village in Mohe dropped to-43.5 degrees Celsius. In the low temperature weather, ice and fog weather appeared in Mohe city.

　　Today (5th) morning, the temperature in downtown Mohe was below 42.7 degrees Celsius, and the low temperature condensed the water vapor in the air, forming ice and fog weather. According to experts, ice fog is a sign that people identify extreme weather in extremely cold areas. The visibility of the street was less than 100 meters under the cover of ice fog. Local traffic police officers went on the road in advance to divert traffic, and passing vehicles turned on fog lights one after another.

　　In the cold weather in Mohe, several foreign tourists were particularly excited and experienced the process of splashing water into ice on the spot. In the cold outdoor, when hot water is splashed out, it will quickly cool down and condense into ice crystals, forming an arc-shaped ice fog, which looks like countless ice arrows shooting in all directions.

　　It was not until ten o’clock in the morning that the ice fog gradually dispersed. The local meteorological department predicts that the temperature in Mohe will rise in the next few days, but the minimum temperature will remain at MINUS 35 degrees Celsius.

　　[Inner Mongolia] The extreme cold range of strong winds, rain and snow has expanded

　　Affected by strong cold air, today (5th), most parts of Inner Mongolia once again ushered in cold wave cooling weather, which is also the second round of cold wave process in the local area since this month.

　　With the strong invasion of cold air, since yesterday (4th), there have been strong winds, rain, snow and cooling weather in the central and western regions of Inner Mongolia. Because the time interval between this round of cold air and the last round of cold air is less than 24 hours, the superposition effect of cooling is very obvious. Today, the central and western Inner Mongolia ushered in the lowest temperature since this winter, and the lowest temperature in some areas fell below MINUS 20 degrees Celsius. At the same time, it was accompanied by light snow and northwest winds of 5 to 6, and the combination of snow and snow made people feel even more chilly.

　　In Hulunbeier City, located in the northeast, the temperature dropped to MINUS 30 degrees Celsius this morning. Compared with the temperature of MINUS 5 degrees on the 2nd, the local temperature dropped by about 25 degrees, while the extreme cold range of MINUS 40 degrees Celsius in Daxinganling forest area continued to expand.

　　The reporter learned from the Inner Mongolia Meteorological Observatory that this round of cold air affects for a long time, and it is expected that the temperature in most parts of Inner Mongolia will continue to drop in the next five days.

　　Traffic control of snow in many places, high-speed and multi-section in Gansu

　　Since the night of yesterday (4th), a new round of snowfall and cooling weather has been ushered in Hexi area of Gansu Province. Snowfall occurred in Jiuquan, Jiayuguan and Zhangye in Gansu, and the lowest temperature in Jiayuguan approached -20℃. Affected by the weather, roads are frozen, and traffic control is implemented in several sections of Lianhuo Expressway in Gansu.

　　It can be seen from the monitoring screen of the Traffic Management Bureau Command Center of Gansu Provincial Public Security Department that the snowfall in Hexi area of Gansu Province continued on the morning of the 5th. By 3: 00 pm, the traffic police department had implemented different degrees of traffic control measures on the Zhangye section, Jiuquan section and Jiayuguan section of Lianhuo Expressway.

　　At the same time, two-way traffic control measures are also implemented in the Guazhou-Dunhuang section of Liuge Expressway. It can be seen from the monitoring screen that the traffic police department will guide the vehicles that have been driving on the expressway to the nearest service area to rest and wait, and the other vehicles will be diverted to the 312 National Road. There are no vehicles and personnel stranded in Gansu province due to snowfall for the time being.

　　At present, the snowfall continues. The Gansu Provincial Meteorological Observatory issued a yellow road icing warning. Within 24 hours, road icing will still occur in some sections of Wuwei, Jinchang, Zhangye, Jiuquan and Jiayuguan. Remind passing drivers to pay attention to road conditions and drive safely.

　　[Taiyuan, Shanxi] The first snowfall in this winter was affected.

　　Today, Taiyuan, Shanxi Province also ushered in the first snowfall this winter. To this end, the Shanxi Meteorological Observatory issued a blue warning of cold wave.

　　This morning, the reporter saw on the streets of Taiyuan that snowflakes were falling down one after another, and a thin layer of snow was accumulated on the road surface and roof. Pedestrians on the road are wearing hats and cotton-padded clothes.

　　The Shanxi Meteorological Observatory issued a blue warning of cold wave at 10: 19 this morning. It is predicted that in the next 48 hours, most areas of Shanxi will usher in the process of rain and snow. Due to the influence of strong cold air, the minimum temperature in some areas will drop by more than 8 C, accompanied by 4 ~ 5 northwest winds.

　　[Shijiazhuang] The first snowfall this winter, the temperature plummeted.

　　Today (5th), Shijiazhuang City, Hebei Province, dropped the first snowfall after this winter, and the minimum temperature dropped to minus 4 degrees Celsius.

　　At 7 o’clock this morning, the reporter saw in the streets of Shijiazhuang that snowflakes were falling down, and soon the buildings and grasslands were covered with a layer of white gauze. With the snowfall, the lowest temperature in Shijiazhuang dropped to minus 4 degrees Celsius, and people who went out wore hats and cotton-padded jacket to resist the cold.

　　As the snowfall just caught up with the morning peak, the road surface was slippery, which led to the slow driving of vehicles. All the traffic control departments in Shijiazhuang took up their posts and braved the snow at major intersections to divert traffic.

　　According to the news of Hebei Meteorological Observatory, in the next three days, there will be continuous low-temperature weather in Hebei Province, and the minimum temperature drop in all places is generally between 6 ~ 8℃.

　　[Henan] Significantly cooled down and issued a cold wave blue warning.

　　Today (5th), most parts of Henan were affected by cold air, and there was also a sharp cooling weather, and some areas also ushered in snowfall. To this end, the Henan Meteorological Observatory issued a blue warning of cold wave.

　　This morning, the Sanmenxia and Anyang areas in Henan Province ushered in snowfall. People who traveled put on thick winter clothes and many vehicles slowed down.

　　In Zhengzhou, the first sleet fell this morning since the winter of this year. The local meteorological department said that this sleet will end tonight, but then there will be strong winds and cool weather. It is expected that the highest temperature in Zhengzhou will drop to about 0 C in the next two days.

　　It is understood that the Henan Meteorological Observatory issued a blue warning of cold wave this morning (5th): It is estimated that the minimum temperature in the north of the Yellow River and Zhengzhou, Kaifeng and other areas in Henan will drop by about 8℃ in the next 48 hours. The meteorological department suggested that cooling and snowfall will bring slippery roads and even ice, which will have a certain impact on urban traffic, and also remind residents to pay attention to safety when traveling. In addition, snowfall will have a certain impact on crops, and growers need to take necessary protective measures.

　　[Guizhou] When cold air strikes, the temperature will drop below 0℃

　　Starting tonight (December 5), the whole province of Guizhou will also usher in a strong cold air with the largest cooling range and the strongest duration since the second half of this year.

　　According to the forecast of Guizhou Meteorological Observatory, from today (December 5th) night, there will be low temperature and rainy weather in Guizhou Province, the temperature in most areas will drop significantly, and sleet or snowfall will occur in some areas on the 6th. In the next two days, due to the influence of cold air, the local temperature will continue to drop. Starting from the night of the 7th, the temperature in many places in Guizhou will drop below zero degrees Celsius, except in some areas with low altitude on the northern edge.

　　Compared with previous years, the freezing weather in Guizhou came earlier this year, and the meteorological department reminded all departments to prepare for it.

Eleven Honda Accord test drive report, the power performance is quite satisfactory, the acceleration is smooth and the sound insulation is average.

It has entered the China market for 25 years, and its performance in the market is obvious to all. It is indeed a recognized B-class car suitable for family users. At the same time, in the long years, Honda Accord has gone through ten generations and developed into the eleventh Accord at this stage. In contrast, the 11th edition of the Accord has undergone great changes in appearance, and of course, the interior has also been upgraded and optimized. In addition, the cash discount of up to 35,000 yuan also reduced the starting price of the 11th Accord to 144,800 yuan.

Dynamic performance

Then, for the power system of the 11th Accord, like the previous generation, the car is also equipped with a 1.5T Earth Dream engine with 192 horsepower, and at the same time, it is matched with a CVT continuously variable gearbox. The whole shift process is still smooth. Moreover, in the daily driving process, you won’t feel that the 1.5T engine is a small horse-drawn cart on this car. Although its acceleration time is around 8.5 seconds to 9 seconds, it is completely enough for an ordinary user like me. ? ?

In addition, in the chassis suspension part, the rear suspension of the 11th Accord is still a multi-link structure, and the front suspension is also a basic McPherson type. This combination is a routine performance in the same level, and there are not many bright spots. At the same time, when passing through some sections with fine bumps, the suspension of Accord filters the vibration of the road surface thoroughly, which can bring good driving comfort. But if you are a control player who likes sports, then the dynamic performance of the Accord car may not attract you. In terms of fuel consumption, the comprehensive fuel consumption per 100 kilometers of the 11th Accord hovers around 8.6L, which is a little higher than that of the old ones, but compared with the same level, the standard of No.92 gasoline is the Accord’s advantage in fuel economy. ? ?

Static performance

As for the static aspect, some people have never appreciated the front face of the 11th generation Accord. Of course, if it is a black car paint or a 11th generation Accord with a starry blue color scheme, maybe I can barely accept its front face. In addition, it can be found that the shape of the headlight group on both sides of the 11th Accord has also changed, and yellow signs have been specially added on both sides of the headlight group as an ornament, which gives a sense of sight of American standard lamps. ? ?

From the side of the car body, like the previous generation Accord, the shape of the wheel hub provided by the low-profile model is really average. Compared with the gun-gray five-spoke sports wheel rim given by the high-profile model, it is really almost interesting. Of course, I personally prefer the silver-and-white double-edged wheel rim of the high-profile version of the 10 th and a half Accord. In addition, from the line design point of view, the lines on the side of the 11 th Accord are obviously simpler and more fashionable than the old ones, which is a bit business-oriented.

However, from the rear of the car body, it will give people a wide-body movement posture. The shape of the through taillight group is more youthful and fashionable, and it also makes the visual height of the rear of the car lower. In addition, the design of blackening the surface and the smaller tail Logo can enhance the sports atmosphere of the rear of the car. In addition, the 11th Accord will also integrate a blackened duckling tail at the top end of the trunk, which will make the transportation dynamic. ? ?

As for the interior, I personally think that the highlight of the front row of the 11th Accord is its car system and the knob adjustment with LED display at the bottom of the screen, which can really present a good sense of modern technology compared with the old models. In addition, the seat comfort has always been one of the advantages of Honda Accord. The filler inside the whole seat is soft, so it will have a good sense of immersion when sitting on it, which can improve the driving comfort of the whole vehicle.

In addition, the intelligent driving system of the 11th Accord is also remarkable. For SENSING, a high-profile model, its existence has enabled the car to successfully pass the test of rear-end collision prohibiting fake cars, with the highest passing speed of 70km/h.. In addition, in the test of simulating electric vehicles and passers-by ghost probes, it can also be completed at the specified speed. ? ?

ending

On the whole, the mechanical quality of the 11th-generation Accord is not far from that of the previous generation. For the fuel version, it is still the familiar formula, and in terms of sound insulation, it is still the shortcoming of the Honda Accord. However, it is said that the 11th generation Accord is more prominent in the intelligent technology. If the 10th generation Accord is a product with relatively balanced comprehensive capabilities, then the 11th generation model is a car with special skills. So in general, if you are interested in the Honda Accord, it is really a good time to start now.

A shares are rare! 97.7% rose! Net-breaking stocks rose sharply, and SAIC Group’s daily limit rose

K graph BK1112_0

K figure 600104_0

　　See elephants dancing again!

　　The market value exceeds 200 billion yuan.Open at the daily limit price; The four major banks collectively strengthened and ledThe plate rose sharply;Soaring up,、、Waiting for stocks to rise sharply; Real estate, coal, steel and other sectors all rose sharply.

　　The driving factor behind this is not only the high dividend strategy.Become the main line of the market this morning.The data shows that as of the close of the morning, excludingThe number of tradable stocks in the market is 349, of which only 8 stocks fell, and the rest stocks rose sharply, accounting for about 97.7% of the rising stocks. The data also shows that most of them are concentrated in traditional industries such as real estate and infrastructure.

　　The market reappears on the seesaw, the blue-chip plate strengthens, and the TMT plate is a comprehensive callback.、、Wait for stocks to plummet.

　　At the close of the morning, the Shanghai Composite Index rose by 1.24%, the Shenzhen Component Index rose by 0.01% and the Growth Enterprise Market Index fell by 0.36%.

　　Broken net stocks rose sharply.

　　On November 15th, the CSRC issued the No.10 Supervision Guideline for Listed Companies-Market Value Management, which requires listed companies to improve their operating efficiency and profitability on the basis of improving the company’s quality, and use mergers and acquisitions in accordance with the actual situation., employee stock ownership plan, cash dividends, investor relations management, information disclosure, share repurchase, etc., to promote the investment value of listed companies to reasonably reflect the quality of listed companies.

　　Among them, it is pointed out that long-term net-breaking companies should formulate a valuation improvement plan for listed companies and disclose it after deliberation by the board of directors. The relevant contents of the valuation promotion plan shall be clear, specific and enforceable, and statements that are likely to cause ambiguity or mislead investors shall not be used. A company that has broken the net for a long time shall evaluate the implementation effect of the valuation promotion plan at least once a year. If it needs to be improved after the evaluation, it shall be disclosed after deliberation by the board of directors. In addition, long-term net-breaking companies whose P/B ratio is lower than the average level of their industry should make special explanations on the implementation of the valuation improvement plan in the annual performance briefing.

　　This morning, the net-breaking stocks rose sharply, among which the plate rose significantly.、Wait for the daily limit of individual stocks. At present, in the banking sector,、、、、The price-to-book ratio of such stocks is lower than 0.5.

　　DongguanIt is said that the banking sector is in a state of comprehensive net destruction, and the Guidelines are expected to bring opportunities for reshaping the valuation of the banking sector. In addition, a series of recent incremental financial policies aimed at supporting local governments to resolve debt risks, assisting large state-owned commercial banks to replenish their core Tier 1 capital by issuing special government bonds, promoting the stabilization and recovery of the real estate market, and launching swap facilities have also constituted substantial benefits for the banking sector.

　　The stock was active in the morning,、And other broken net stocks rose collectively.

　　The real estate sector also rose sharply in the morning, and the net-breaking stocks in the sector collectively rose, among which the P/B ratio was lower than 0.5.、、Wait for the daily limit of individual stocks. Regarding the real estate sector, Hua Fu said that the industry will go through a process from the lifting of liquidity dilemma to the stabilization of house prices and the final periodic repair. In terms of individual stocks, it is suggested to pay attention to the following three main lines: (1) housing enterprises with reversed difficulties under the logical deduction of PB (price-to-book ratio); Leading housing enterprises that maintain the strength of land acquisition; Local state-owned enterprises with diversified and steady development.

　　TMT plate callback

　　This morning, the TMT plate collectively called back, AI,、And other sectors were among the top losers.

　　Recently, in the TMT plate, the AI application side has been frequently catalyzed, and related stocks continued to be active last week.

　　On November 16th, Kimi Chat, the dark side of the moon, announced the launch of a new generation of mathematical reasoning model k0-math. At the same time, Kimi Exploratory Edition also innovated the search experience by using reinforcement learning technology, and achieved breakthroughs in three reasoning abilities: intention enhancement, source analysis and chain thinking.

　　It is said that looking forward to 2025, the main investment line of the technology industry will continue to focus on AI. With the continuous progress of large-scale model capabilities in multi-modal and logical reasoning, AI will be deeply integrated with the digital intelligent transformation of thousands of industries, and will continue to drive investment in science and technology industries from computing infrastructure to terminal applications. It is recommended to pay attention to investment opportunities in AI computing power, applications and data, and AI terminals.

Porsche sales leader, the Porsche 911 designed for cost-effectiveness

In terms of appearance, the new 911 Turbo series adopts the theme design porscheexclusivemanufaktur Porsche’s exclusive customization department, in which the front face adopts Porsche’s iconic three-stage air inlet, the air inlet area is also reduced, and a more dynamic front bumper and spoiler are used to make it look more fierce.

The interior style of the new car is still very delicate. Most areas of the center console are wrapped in leather materials, and some areas of the center console are wrapped in soft materials. The new car is also equipped with an LCD dashboard to improve the texture. The trend of the air conditioner is a through-type style. The LCD dashboard is equipped, which is quite wide. The new car is also equipped with a button-type shift lever. The periphery of the shift lever is also equipped with electronic and other physical buttons. OurHours four-wheel drive, cruise control, automatic start and stop, etc. are equipped.

The length of the car is 4572mm, the body width reaches 1900mm, the wheelbase is 2457mm, and the standard data is moderate. Among the models in the same class, the wheelbase of the Porsche 911 ranks 32nd. One bright spot is that its width reaches 1900mm, reflecting that the lateral space inside the car is not bad. Among the models in the same price and class, the trunk volume of the Porsche 911 ranks 25th. The space performance is limited by the positioning of the model, the performance is acceptable, and the flatness is no problem, but the total space is average.

The Porsche 911 is equipped with a 4.2 naturally aspirated engine (direct injection) combined with a wet dual clutch (DCT). The 4.2 engine is paired with a moderate power performance on the Porsche 911, with weak low torque and a sense of hysteresis. Ranked first among sports car models above 800,000.

If the above data, participation, etc. cannot fully understand the Porsche 911, then we can give you a more comprehensive reference based on the word-of-mouth information of users who have purchased Porsche 911 in history. It can be seen that what you are most satisfied with about Porsche 911 is that its logo is better. In addition, the front design is good-looking, and the interior workmanship is fine.

＂About Winter＂ Premiere： Huo Jianhua ＂Dissatisfied＂ Ma Sichun Likes Hu Ge

On November 13, the romantic film "About Winter", directed by Wang Weiming and co-starring Huo Jianhua, Ma Sichun, Wei Daxun and Zhang Yao, held its premiere in Beijing. A group of creators appeared at the premiere. Huo Jianhua responded to the character "hit on a girl" in the film, dissatisfied that Ma Sichun likes Hu Ge, and Wei Daxun was innocent and "shot".

"About Winter" is based on the novel of the same name by Rao Xueman and is derived from the classic song of the same name by Qi Qin. The film tells the story of Yu Xiaonian (played by Wen Qi), a young girl who grew up in Los Angeles, and after returning to China with her mother Enron (played by Ma Sichun), she stumbles upon a photo with a blue bracelet. After some "investigation", Yu Xiaonian discovers the secret behind the photo about her mother. A love story that has been sealed for nearly 30 years has slowly unfolded…

Huo Jianhua’s "hit on a girl" is very direct, Patty Hou acts like a child

At the press conference, several actors shared their feelings about the characters. Huo Jianhua admitted that he had never seen the whole film. This time, he watched a few clips during the roadshow and received good feedback from the audience during the process. In the clip of Qi Xiao dating Enron, Huo Jianhua said that he "hit on a girl very directly" in that scene. Wei Daxun, who plays Yu Feng in the movie, also laughed that the only drawback of the character is that he is "not in good health and died too early." And lamented that "such a character is very difficult to find." The crowd laughed.

"I was just a kid in acting," Ms. Hou said, but she learned a lot while working with the team. She shared her acting experience. She bought all kinds of cigarettes at home to get a good smoking scene, and practiced smoking with the director the night before filming. In the end, she didn’t expect the director to let Huo Jianhua smoke the cigarettes, but she was still grateful that the movie made her experience a different life.

Huo Jianhua is dissatisfied that Ma Sichun likes Hu Ge, and Wei Daxun is innocent and "shot"

The scene also talked about funny things that happened during the roadshow at the Communication University of China. Huo Jianhua did not attend that day, but Ma Sichun received a "call" from Hu Ge. Ma Sichun asked Hu Ge: "Did you call me because Brother Hua didn’t come." Hu Ge said: "Isn’t I the same as Brother Hua?" Ma Sichun said: "It’s different, Brother Hua is married, but you are not married." Huo Jianhua immediately replied: "In fact, it is still very different, he is much taller than me." Rao Xueman smiled and said: "Brother Hua has learned to tell us bad jokes all the way down the roadshow."

After Ma Sichun said that he liked Hu Ge, he was asked by Huo Jianhua, "Then what should I do?" Ma Sichun admitted under "forced helplessness", "Okay, I like you." Wei Daxun was also shot at this time, and Huo Jianhua said jokingly: "How is he? I don’t think about it."

It is reported that the film "Around Winter" directed by Wang Weiming and starring Huo Jianhua, Ma Sichun, Wei Daxun and Zhang Yao will be released nationwide on November 15.

The original ＂Hua Qiangu＂ aesthetic collapse, Xiaogu Baizi’s painting face is yellow and thin, and when he sees the killing of Qianmo, his eyes are black

In 2015, "Hua Qiangu" opened the curtain of fairy tale drama. Received a very high audience rating and became the most indelible existence in the hearts of every TV drama enthusiast.

Since then, capitalists have filmed several fairy tales one after another, but most of them are imitations of others, and it is difficult for others to achieve the same effect.

Just a few years ago, the movie version of "Hua Qiangu" began filming, and the configuration of the protagonist was also released.

But with the exception of Chen Turin and Mao Zijun, who are famous, the rest of the actors are 18 star actors selected out of thin air.

On August 11, the movie version of "Hua Qiangu" released a new trailer to warm up for the film’s release.

But it was ridiculed by netizens as a cheap version of "Hua Qiangu".

In this movie, the actor who plays Master Leng is named Li Chengbin. Compared with Huo Jianhua at the time, he still has a certain age advantage.

Unexpectedly, his charm is not half that of Huo Jianhua in the movie.

His forehead was broad and his face was serious. He did not have the generosity of an immortal cultivator, nor the compassion and love for his disciple Hua Qiangu.

Although I told a lot of truth

But in front of the audience, it becomes a long string of messy things that go in one ear and out the other.

Compared with Huo Jianhua at that time,

Li Chengbin is only a million miles away.

Huo Jianhua has always been known as a handsome man in ancient costumes. In his early years, he reached out to grab branches in the snow, while Xu Changqing used his own body to fight monsters. They were all as beautiful as immortals.

Although he was not in good condition when filming "Hua Qiangu"

This makes Bai Zi Hua look a bit pudgy.

Fortunately, his acting skills were passable, and he could still see the immortal energy. Otherwise, he wouldn’t have set off such a high ratings wave back then.

Li Chengbin is as thin as

A poor-looking refugee who can lift a hand.

I really can’t imagine how he can kill demons and how he can have a sadistic relationship with the blackened Hua Qiangu.

As for Ms. Chen, who plays the heroine, there is also a lack of vibe in this film. Her face is smaller and her body is slender, which makes her more suitable for roles like Tian Huan in "Ming of the Long Moon." She has a unique feeling of an earth fairy.

But just like poor little white flower Qiangu

A little strange

Hua Qiangu was a child of an ordinary family, pure and kind, a little eccentric, and single-minded towards his master. When he turned black, he was extremely evil

Chen Turin’s face was too noble, more suitable for a role like a talented fairy. He couldn’t imagine Hua Qiangu’s charming and innocent feeling.

In addition, the costumes in this film are very poor. The clothes wrapped around the body are like layers of white screens, without texture, which does not highlight the beauty of Chen Turin.

The actor who performed the most beautiful killing Qianmo was Mao Zijun. Several years after her debut, she was still lukewarm in the film and television industry. But at least with the blessing of her acting skills, many audiences were still eagerly awaiting him.

Until all the times when I saw Sha Qianmo in front of me wearing a shoddy wig,

Everyone realized that their expectations were too high. This type of Mao Zijun did not have the same top beauty between men and women.

Instead, he looked scruffy, with a green straw in his mouth. Would anyone really call her sister?

Although the film has not yet been released, it is clear from the trailer how chaotic it is.

The adorable sugar baby in the TV show has become a weird elf here.

I look very evil when I laugh.

The set has a strong plastic texture and looks like it was filmed in a poorly built film studio.

Would you choose to dedicate a movie ticket to such a movie?

Responsible editor:

The opening of MWC is imminent, and Meizu’s big moves are frequent! Flyme dual system attention is full

　　There are still 2 days left! This year’s annual event in the technology industry, the MWC Shanghai Mobile World Congress in 2023, is about to open. As an annual blockbuster conference in the technology industry, although it only lasts for three days from June 28 to 30, it can make the world’s technology enthusiasts focus on it in just three days. Therefore, the annual MWC is also a good opportunity for major technology companies to do their best to show their technologies and products to the world.

　　As the most high-profile Meizu in the first half of this year, it is not surprising to announce its participation in the exhibition. But it is worth noting that Meizu is not participating in the exhibition under the name of "Meizu Mobile Phone", but under the name of "Xingji Meizu Group". That is, at this exhibition, Meizu 20 series will be exhibited together with Flyme Auto.

　　The re-participation of Flyme Auto has also greatly aroused the attention of many professional car critics. After all, Flyme Auto has won praise from many netizens and fans since its debut at the Shanghai Auto Show at the beginning of the year. The user-friendly desktop selection, the highly intelligent option of air conditioning, the logic of car-machine interaction and the UI animation of one mirror to the end have all had an impact on the entire smart car field. Therefore, how much Flyme Auto can be upgraded and optimized at this MWC has also become the most concerned point in the entire new energy vehicle field.

　　In terms of smart end points, the Meizu 20 series, which continues to slaughter the list on the 618, will also become another highlight on MWC! The perfect combination of boundless aesthetics, powerful performance and Flyme10 can be called the embryonic form of future mobile phones.

　　In terms of appearance, the Meizu 20 series is adhering to the unbounded aesthetics and building the appearance. The screen uses extremely thin four-level narrow edges to minimize the boundaries of the screen, and uses narrow borders to further set off the visual perception of the screen. Let the narrow borders and high-quality screens complement each other to build a stronger visual impact.

　　And the back of the phone is also completely different from the dazzling lens group currently on the market. Meizu uses extreme simplicity to present an unbounded beauty, and cancels all the designs that affect the beauty of the back cover! Only the basic lens camera components are retained, and the simplest arrangement is used to build the most refreshing and refined unbounded beauty.

　　In terms of performance, the Meizu 20 series is equipped with a Snapdragon 8Gen2 processor. This chip is also the top flagship processor in the industry. Its performance is excellent, and it is TSMC’s 4-nanometer process. The advantages of low power consumption make the temperature control of the overall mobile phone particularly good. At the same time, the Meizu 20 series also uses a combination of LPDDR5X and UFS 4.0 storage, which greatly enhances the reading and writing speed of the mobile phone, making software and files open and run faster. After Meizu’s careful polishing of this set of performance configurations, it also easily ran out of a high score of 1.3 + million.

　　On the system, the Meizu 20 series comes standard with the Flyme10 operating system. As a software sector that Meizu has always been proud of, this time Flyme10 did not disappoint Meizu. This generation has upgraded the small window mode, Aicy screen recognition and OneMind, and the overall system convenience and smoothness are more convenient. And it can also achieve the background survival of 21 APPs at the same time, completely saying goodbye to killing the background! And it has also passed the test of the Thiel laboratory, which is certified to last for 48 months.

　　The simultaneous demise of the Meizu 20 series and Flyme Auto has filled many people’s expectations for Meizu’s MWC tour!

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