分类： xiyu

　　Out of the Three Gorges, through the valley of Huya Mountain and Jingmen Mountain, where Jiajiang confronts each other, and straight to Jianghan Plain, where Chu is vast and boundless. — When the Yangtze River flows through Jingzhou, it loves the richness and beauty here, circling around, unwilling to leave for a long time, leaving a beautiful footnote of "nine bends of ileum" and rolling eastward.

　　The city is born by the river, and the river flows around the city. This is a scene of symbiosis between man and nature, and it is also my hometown of attachment.

　　Watch in the river

　　Jingjiang River, another name for the section from Zhijiang to Dongting Lake in the middle of the Yangtze River, is named after the ancient city Jingzhou, and it is easy to break its banks because of poor flood discharge, which makes the Yangtze River dangerous.

　　On the bank of Honghu reach, the main stream of the middle reaches of the Yangtze River, there is a hydrological station that will appear on TV in summer flood season — — Luoshan water station. In 1953, my grandfather changed his career from a Yangtze River boatman to come here, and became a defender of this important national flood reporting station that controls the outflow of Jingjiang River and Dongting Lake.

　　Wanli Yangtze River is in Jingjiang River. There is a local folk song that "Jingsha is not afraid of swords and soldiers, but is afraid of Nanke’s dream". In the vast waters of Jingjiang River, hydrological stations are like outposts, deserted mountains, canyons with rapid water depth, isolated continents filled with wind and sand, misty lakes, and hydrological people’s homes are everywhere.

　　Due to the nature and characteristics of work, many hydrological stations are located in mountainous areas or rural areas far away from towns, and some stations are not even surrounded by villages. Away from town, away from prosperity, away from family. Behind the quietness, there is more poverty and loneliness.

　　In 1980, my grandfather retired and my uncle came to the station to continue to stick to it. My parents worked outside, and I grew up in my grandmother’s house. The little hydrological station was my childhood paradise.

　　The huge passenger ship passed by, whistling a long whistle, attracting a group of children, screaming and chasing along the river beach until the ship gradually drifted away, and then slapping back. Such a big ship, I don’t know where it came from and where it is going. Since then, I have been full of indescribable curiosity and yearning for the outside world.

　　When spring comes, the withered and yellow weeds gradually turn green on the embankment of the Yangtze River, like light green pigments carelessly spilled. One piece here and one piece there are slowly impregnated day by day, and then merged into a whole piece, and the river beach has become a children’s paradise.

　　In summer, the joy that belongs to us really begins. A swimming ring made of a car tire liner, with a big wooden basin on it, lies on it and floats along the water for a whole summer. During the flood season, the water receded, and the silver carp, snakehead and tortoise left in the grass and puddles on the shore surprised us from time to time.

　　In winter and dry season, the brown riverbed is exposed. The cold wind blows, and the snow is everywhere. Villages, fields, dikes and beaches are all wrapped in silver, and the thick snow can be preserved for a long time without melting. The beautiful snow scene is rare now.

　　My home is near the Yangtze River, and my memories are not all beautiful. Sometimes when I wake up, the river rises sharply, and I have quietly entered the house without crossing the legs of the bed, and my shoes and stools are all floating on the water. At every critical juncture, the relevant departments require Luoshan Shuiwen Station to report the water situation directly to the National Defense General every 30 minutes by telephone. Forecasting, calculating and analyzing rain conditions … … Jumping data one by one, accurate forecasting again and again, every word is as heavy as a thousand.

　　"Life is supposed to be constantly injured, constantly restored and constantly created." As described in the poem, the place that was flooded in the past has now undergone earth-shaking changes. The state has invested huge sums of money to protect and harness major rivers and the operation of the Three Gorges Project, which has gradually made "Jingjiang An Lan, two lakes and rich crops" a reality.

　　An era has an era theme, and a generation has a generation’s mission. After the flood season in 2020, my uncle also retired. I came to pick him up and leave this small hydrological station that two generations have adhered to for 70 years. After locking the gate, my uncle refused to turn around for a long time and bid farewell to his 40-year career as a "sentry" in the Yangtze River.

　　Driving along the Jingjiang levee, I asked my uncle: Is it worth it? He replied, looking at the lights on both sides of the strait, no matter how hard it is.

　　The Yangtze River Golden Waterway and the Menghua Railway meet here, and the regional GDP growth in the first half of this year ranked first in Hubei Province. This is the Jingjiang River and the Yangtze River. The pulse of the development of the new era, where people and rivers are close to each other and the city and water are interdependent, echoes in Jingzhou.

　　Riverside city affairs

　　The eel bone and chicken rack are boiled into a rich broth, and the noodles with tendons are added with watered pork slices, two noodles and one soup, which is simply life satisfaction. In Shashi District of Jingzhou, people’s day begins with a bowl of breakfast noodles.

　　In the early years, dockers working along the Yangtze River liked to eat oily and heavy food. A local noodle shop owner created this kind of noodles with thick oil and delicious soup. Because dock workers often come to eat noodles in the early hours of the morning, it is named "Zaotang noodles".

　　In 1986, I came to Shashi from a small town near the Yangtze River to go to school and ate this bowl of breakfast noodles. At that time, Shashi was still a shining star city with a GDP of 16 billion yuan, ranking fourth in the country, second only to Beijing, Shanghai and Wuhan.

　　According to the records of Song Dynasty, Shashi Town is the first of 22 commercial tax fields in Jiangling Prefecture and an important rice market in Jianghan Plain. Around the Wanli period of the Ming Dynasty, Shashi "Shu Zhou Wu Chuan, those who want to get on and off, must trade here, so thousands of boats are lined up, and department stores gather lights."

　　"A thousand-year-old commercial port, a hundred-year-old ocean wharf". In 1876, Shashi Wharf was opened, and Britain, France, Germany and other countries successively set up consulates and docks here, so it was called "Ocean Wharf". After the founding of New China, Shashi relied on the port advantage to develop light industry, and a number of well-known brands such as Vitality 28, Sha Song refrigerator, Jingjiang thermos bottle and Yuanyang brand sheets were born.

　　With a pink background and a large peony picture, this kind of "outdated" bed sheet has aroused the nostalgia of countless people in recent years and has been named as "national bed sheet". This is the fist product of "Yuanyang brand" sheets in Shashi, which once swept the country.

　　My primary school deskmate is Teng Yi, and his grandfather, Teng Jixin, is the founder of the "Vigorous 28" brand. In 1982, Teng Jixin discovered at the annual Canton Fair that a Dutch company intended to transfer a brand-new formula of washing powder, which had strong detergency, low dosage and super concentration. Other washing powder factories don’t believe it, but Fujitsu is very interested in it.

　　After some investigation, he and the Dutch company decided to cooperate. In the same year, the first super concentrated foam-free washing powder was introduced, named "Vigor 28".

　　"Vigor 28, Shashi Daily Chemical", a short catchy slogan, stirred up a thousand waves. In 1994, with a sales volume of 90,000 tons, "Vitality 28" occupied 80% of the market share of Chinese washing powder market, and ushered in its highlight moment.

　　Under the wave of reform and opening-up, the market competition is becoming increasingly fierce, and the glory of "Vigorous 28" has become a thing of the past. Many old brands distributed around the ocean terminal went bankrupt and shut down one after another due to lack of innovative kinetic energy, and problems followed: abandoned factories can be seen everywhere, historical buildings are gradually dilapidated, sewage is discharged directly into the Yangtze River, and shanty towns are arbitrarily built … … Residents "face the river but don’t see it", and the ocean pier has become a conspicuous "scar" along the Yangtze River.

　　Zhou Hongzhi, a former deputy secretary-general of Jingzhou Municipal Government, believes that after the floods in 1998, Shashi was remembered as a place with serious floods, and there was a lack of large-scale projects to settle down. Gradually, Shashi fell behind.

　　Chu people worship the phoenix, and the phoenix is nirvana. In the new era, the flood has been lifted, the high-speed rail has been opened to traffic, a series of national strategies have been favored, and Shashi has also regained its vitality.

　　In 2016, with the start of the tough battle for the protection and restoration of the Yangtze River, the renovation of the ocean terminal was officially launched. Packing plant, Daci Street, Amway Yingxing, Auspicious Flower, Old Waiting Room, Power Supply Company, Old Cotton Machinery Factory … … A number of historical buildings bearing the memories of several generations of Shashi people have been endowed with new era value and renewed their brilliance at the new era node.

　　The old factory building of "Vigorous 28" was transformed into the exhibition hall of "Shashi Industrial Achievements", presenting the industrial development course of Shashi since the founding of New China. "Vibrant 28" occupies the first floor, with familiar TV advertisements, dazzling packaging bags and named football team … … Time has passed, and you can still feel the trend of the year.

　　Industrial relics awaken the memory of the city, while creative elements light up the night sky of the ocean pier. Under the shadow of night, food, tide play and light show are dizzying. The songs of taverns and the shouts of night market vendors are in harmony with the museums and modern creative wall paintings transformed from old factories.

　　"A few years ago, I passed by the Wenchuang Garden of the Ocean Terminal under construction, and I was very much looking forward to what it would look like after it was completed! I grew up on the Yangtze River and had a unique feeling for the Yangtze River, so I came up with the idea of opening a hotel by the river. " Cai Xuan, the owner of Shiye Garden Hotel, said that business has been booming since it opened in June this year, and 50 rooms are full almost every day.

　　No more dockworkers in batches, and no more noise of machine operation in the factory building. However, with the benefits of the golden waterway of the Yangtze River gradually emerging, Shashi has transformed from a transit base in the past into a comprehensive transportation hub, and the revival of dock culture is no longer a dream.

　　Jiang zhi hui Bei

　　In early autumn, 2023. At the beginning of the shower in Jingjiang section of the Yangtze River, the dim light melted into a fuzzy and soft light mass in the dense air. In this light, the elk galloped, the baiji jumped, and the water droplets scattered, warm and joyful. Who can imagine that Swan Island was once a part of the rolling Yangtze River?

　　In the last century, the Liuheyuan River Road of the Yangtze River was naturally bent and straightened, and it became a 2.5-kilometer-long new channel in the shape of the main stream. This is the best preserved wetland in the old channel group of the Yangtze River, and it is also a national nature reserve for baiji and elk.

　　In spring, the floodplain Chinese milk vetch merges into a sea of flowers; On summer nights, the sun and the moon shine together at the junction of water and sky; The turning green in autumn grows gradually from the slowly fading water; Reed flowers in winter are flying freely on the open river.　

　　In 2007, I went to Shishou Swan Island Baiji Dolphin National Nature Reserve for an interview with researchers. The ship was driving on the old water surface. Suddenly, about 300 meters away from the ship, a gray-black arc curve jumped up and quickly entered the river surface. Then, it followed, and also drew a beautiful arc in the field of vision … … This kind of "contact" is far more exciting than the finless porpoise seen in the dolphin museum.

　　Since then, many interviews on the banks of the Yangtze River have made me deeply feel the change of ecology.

　　Honghu Lake on the north bank of Jingjiang River reproduces the beautiful scenery of "beating waves".

　　"It’s better to be reliable than to be reliable." The wealth in the great lake is inexhaustible, and it is filled with the good times of the elders.

　　In the 1960s and 1970s, everyone rushed to develop Honghu Lake. In the 1980s, artificial farming started in Honghu Lake, and fish were raised by lake grass, and purse seine farming gradually appeared. In less than 20 years, the area of Honghu Lake has been reduced by more than half from 1.14 million mu, scarred and devastated: there is no "wave to wave", only "pole to pole". The water body is turbid, the water quality is declining, waterfowl is scarce, lake grass is exhausted, and species are sharply reduced.

　　Honghu people realize that if this continues, the land of fish and rice, which has been proud for generations, will be completely destroyed. Since 2005, Honghu began to dismantle the purse seine and restore the ecology. After more than ten years of hard work, the most beautiful Hong Hushui has finally returned — — The natural wetland area has been gradually expanded, the bird population has been restored to 138 species, the national second-class protected plants, wild soybean and water fern, have been rediscovered, and the wild lotus has been restored to tens of thousands of mu … …

　　In September, Honghu Lake can’t see the "hundred battles" at the peak of summer tourism. The lake is empty and lonely, and there is no end in sight. "Boatman" Zhang Shengyuan said that now summer migratory birds are flying away one after another, and winter migratory birds have not arrived yet. By the end of the year, waterfowl who come here for the winter will cover the sky again.

　　Zhang Shengyuan used to be a famous bird hunter. Under the repeated education of the staff in the reserve, Lao Zhang changed from a birdman to a birdman and patrolled the lake every day, rain or shine. After retiring at home, Zhang Shengyuan is still concerned about the wild birds in Honghu Nature Reserve, and he likes to go to the lake area in his spare time. The patrol diary treasured around us records the dribs and drabs of ecological changes in Honghu Lake.

　　Honghu Wetland is a natural reservoir, which can store 1.96 million cubic meters of water every year, provide drinking water for 600,000 people along the lake and satisfy 1.3 million mu of farmland irrigation water. Tonghu brand Monopterus albus, clear water hairy crabs, caviar, white lotus, water chestnut, lotus root powder, lotus leaf tea and other products in Honghu Lake are all feedback from nature to mankind.

　　"The most important thing in raising crabs is ‘ Three not greedy ’ 。” Wang Guijin, the "Three Generations of Crabs", talks about his own "Crab Breeding Classics" — — Not greedy for breeding density, not greedy for shrimp and crab polyculture, not greedy for cheap feed! Last year, the yield of crabs he raised exceeded 300 Jin per mu. "If the lake is good, it will grow well and sell well. If we add less burden to the lake, the gift from the lake will be more generous."

　　On the lakeside of Jingjiang Lake, You Xingquan, who has been fishing for 30 years, responded to the call of the Yangtze River to ban fishing and retreat, delivered the boat ashore, started crayfish farming, and applied to be a fish keeper. Five years after landing, You Xingquan lamented: If the ecology is good, the business will be good, and the "rice bowl" will be stable.

　　Jingjiang is changing, and the aerial photos of drones are taken by the citizens, which is becoming more and more beautiful; Jingjiang is changing, changing in value and changing in concept.

　　The river runs, not giving up day and night.

Organizing college and middle school students to participate in the training sowed the seeds of serving the country from the army, and harvested the hope of the nation and the future of the country. The CPC Central Committee, the State Council and the Central Military Commission attach great importance to students’ military training and have made strategic arrangements for strengthening and improving students’ military training for many times. In 2017, the General Office of the State Council and the General Office of the Central Military Commission issued "Opinions on Deepening the Reform of Students’ Military Training", which provided basic guidance for the current and future military training for students. All levels in the military and civilian areas should earnestly improve their political positions, deepen their ideological understanding, actively solve difficult problems, be brave in reform and innovation, persist in precise efforts, and pay close attention to work implementation.

Improve the political position and strengthen the mission of doing a good job in military training for students

When teenagers are strong, the country is strong. Carrying out military training among young students aims at the great cause of national rejuvenation, the overall situation of enriching the country and strengthening the army, and the foundation of safe development.

Doing a good job in military training for young students is the requirement of the times to fully implement the strategy of strengthening the country through talents and realize the Chinese dream of the great rejuvenation of the Chinese nation. The strategy of strengthening the country with talents is the primary strategy to achieve national prosperity, and the great rejuvenation of the Chinese nation requires a large number of high-quality talents. As an important way and special form to improve the quality of quality education, students’ military training plays an irreplaceable role in cultivating students’ core values, optimizing quality structure, tempering will quality and cultivating good work style. Doing a good job in military training for young students is the mission requirement of thoroughly implementing the supreme leader’s thought of strengthening the army and accelerating the construction of a world-class army. A first-class army needs first-class soldiers, and first-class soldiers come from high-quality soldiers. With the upgrading of weapons and equipment, new and higher requirements are put forward for the comprehensive quality of soldiers. In recent years, college students have become the main force in the recruitment of troops. As a basic project to strengthen students’ national defense concept, students’ military training is of great practical significance for students to master modern military knowledge and basic military skills and reserve high-quality reserve soldiers for national defense construction. Doing a good job in military training for young students is a political requirement to implement the overall concept of national security and achieve long-term stability of the country. "Be prepared, for the country.". At present, the ideological struggle is complicated and severe. Hostile forces at home and abroad regard young students as the key targets of infiltration and corrosion, and constantly implement online "cultural cold war" and "political genetic modification" projects in an attempt to win over a group of people, compete for a group of people and influence a generation. Young students are in the formative period of their world outlook, outlook on life and values.Only by making full use of the special educational opportunity of students’ military training, and guiding the vast number of young students to enhance their awareness of national security, stand firm in their political stance, strengthen their "four self-confidences", achieve "two safeguards" and take a clear-cut stand against differentiation, westernization, reverse osmosis and subversion, can we continuously consolidate the mass base of national security. Therefore, the military and civilian levels should improve their political positions, deeply understand the great practical significance of doing a good job in students’ military training from a strategic and overall perspective for realizing the Chinese dream and the dream of strengthening the military, and take a highly responsible attitude towards the party, the country, the army and the students, enhance their mission, and do a good job in grasping all the work.

Build a strong military training team and lay a solid foundation for improving the quality and efficiency of military training.

The key to improving the quality and efficiency of military training for young students lies in strengthening the "three teams", which is not only the foundation of military training, but also the premise and foundation of improving the quality of military training.

First of all, we must build a strong military training business team. The military training business team is the specific organizer of military training work, and how its ability determines the implementation of the work. Therefore, military training organizations at all levels should pay attention to the selection of personnel with strong sense of strength, high professional quality, good coordination ability and dedication to their posts, and engage in military training for students. All levels and localities should organize military training instructors to carry out relevant training in a planned way, and comprehensively improve the post-holding ability of military training teams. Secondly, we should strengthen the faculty of colleges and universities. Teachers in colleges and universities are the concrete implementers of military theory courses, and their ideological and theoretical level directly affects the formation of young students’ national defense concepts. Colleges and universities should attach importance to the construction of military theory teaching and research section, build up a strong contingent of military theory teaching teachers according to the standards of firm political belief, profound theoretical foundation, excellent professional skills and rigorous teaching style. The evaluation of professional titles can be included in the unified evaluation scope of schools with reference to ideological and political teachers, and training should be included in the school selection and delivery plan. Military teachers should be paid attention to in personnel training, scientific research project establishment, evaluation and commendation, job evaluation and employment, so as to stimulate the motivation of military teachers to concentrate on educating people. Third, we must build a strong training force team. The training team is the specific organization and implementer of military skill training, and its ability to organize training directly affects the quality and effect of military training. On the one hand, it is necessary to continuously expand the training team, change the single practice of sending troops for military training mainly by the army in the past, and gradually expand to arms, armed police forces, militia and reserve forces, establish a training force system with active troops as the backbone and militia reserve as the support, and strive to solve the problem of insufficient military training strength. On the other hand,Training troops should be selected and employed according to the standards of good political thinking, high military quality, strong training ability and strict self-requirements. Before military training, clear the requirements of management norms, do a good job in safety risk assessment, and ensure that training is carried out according to the outline, civilized and safe, and the military training tasks are completed with high quality.

Innovating the mode of group training to promote the healthy and orderly development of students’ military training

To improve the benefit of military training for young students and seek the long-term development of military training, we must use innovative thinking, reform measures, make precise efforts and continue to advance.

Focus on optimizing the content of military training. In the new era, the content of military training should focus on building a training content system that reflects the characteristics of the times, meets the requirements of military struggle and adapts to the characteristics of students, and design and integrate experiential teaching, simulated training and interactive activities to enhance the times and appeal of students’ military training. In terms of skills training, we should reduce the subjects with complex military training equipment, inconvenient operation and weak practicability, and focus on "two connections" to build training content, that is, the effective connection between students’ military training and militia reserve training, and the effective connection between military training content and recruits’ training content; In theoretical teaching, we should reduce the courses that are too abstract and professional, focus on the needs of "shaping" and "shaping the soul", enrich the analysis of new military theory, introduction of new equipment, national security, territorial sovereignty and maritime rights and interests, integrate the education content of loving the party, patriotism and military, inherit the red gene with the propaganda of our military’s glorious war history, stimulate students’ patriotic enthusiasm with the interpretation of current hot issues, and continuously strengthen students’ national security awareness. Reasonable adjustment of military training time. During the military training of young students every year, it is the important stage of field training, joint drills, retirement of veterans, training of new recruits, combat readiness and duty of various services and arms, and the problem of sending troops in military training is very prominent. Therefore, in order to reasonably adjust the military training time, it is necessary to take into account the combat readiness training of the troops and meet the military training needs of students. The school can flexibly adjust the teaching plan, change from centralized time military training to phased and batch military training, implement peak-shifting training, and walk away from the group training mode of training a batch in September and October in autumn and training a batch in March and April in spring.Avoid the busy period of military combat readiness training to the maximum extent. Constantly innovate military training methods. Practice has proved that the implementation of base training is an effective way to improve the quality of military training. We should actively innovate the means of military training, walk away from the new way of combining "campus group training and base rotation training" according to the training subjects and contents, explore the methods of group training of basic subjects on campus, and group training of subjects such as tactics and comprehensive drills at the base, and try our best to train military training subjects fully, with sufficient time, solid content and high quality.

Improve the security mechanism and strive to create good conditions for students’ military training.

Good guarantee is an inevitable requirement to promote the effective implementation of military training for young students. Under the new situation, military training support can take the road of joint military and civilian support, give full play to their respective advantages, innovate the support mode and improve the support mechanism in accordance with the principles of military and civilian integration, graded responsibility and resource sharing.

Ensure the military training funds. Students’ military training belongs to the state behavior, and the required funds should be included in the budget plan of the competent department of the school according to the affiliation of the school, that is, the military training funds of the colleges and universities affiliated to the State Department (Committee) are guaranteed by the state finance, and the military training funds of the local colleges and universities are guaranteed by the local government, and are included in the financial budget, with a unified guarantee standard. Due to the differences in local economies, financial, educational, price and other departments should jointly formulate funding guarantee standards, and the insufficient part can be solved by colleges and universities themselves. Ensure the military training equipment. Due to the particularity of military training subjects, military training equipment can be based on the principle of army support, supplemented by school self-financing, and military training equipment can be included in the scope of annual militia reserve and armed police anti-terrorism training equipment support, and coordinated and distributed by provincial military regions. General military training equipment is guaranteed by the schools themselves. Ensure the military training site. On the one hand, considering different local conditions, military training bases can be established by provinces and cities according to the principles of integrating resources, comprehensive utilization, improving supporting facilities and reasonable layout. On the other hand, we can adopt the method of joint construction of military and land, with local funds and troops out of the field, and use the old military camp to rebuild the military training base. On the other hand, we can also take the method of fixed-point linkage and use the existing training bases of the army, armed police, militia and public security to organize military training. Through the above methods, the base training will be carried out to the maximum extent, and the student military training base will gradually embark on the track of intensive construction, professional guarantee and standardized operation. Guarantee the propaganda of military training. Military training for students is an important form to improve the national defense concept of the whole people. The propaganda department should take the lead every year.Strengthen public opinion propaganda, make full use of the news media, carry out all-round publicity from different angles, expand the social influence of students’ military training, and create a good atmosphere in which the whole society attaches importance to, cares for and supports students’ military training. At the same time, it is necessary to strengthen the supervision and monitoring of public opinion networks to prevent criminals from taking the opportunity to maliciously speculate and cause adverse social effects.

(Author: Military Training and Vocational Education Center of Xinjiang Military Region)

　　　 Movie network news(Photo/Qian Jiayi/Theway) A film "Hidden Marriage Men and Women" reflecting the phenomenon of hidden marriage in the entertainment circle was held in Beijing on October 19th, with director Ye Nianchen and starring Rene Liu, Eason Chan, Yu Chengqing and Bai Bing all appearing. Several leading actors all work for perfume companies in the film. At the press conference, Rene Liu and Bai Bing also specially painted different kinds of perfumes to let Eason Chan and Yu Chengqing distinguish by their sense of smell with their eyes closed. Asked about his personal views on hidden marriage, Rene Liu, who is still single, bluntly said: "Marriage is a matter for two people, and others should not give advice."

Rene Liu admits that it does not exclude hidden marriage from being "Scent of a Woman" in Eason Chan.

　　　 In The Hidden Marriage, Rene Liu, a milk tea, changed her intellectual image and played a devil in the workplace, while Eason Chan played her assistant, a man who chose to be hidden for his wife (Bai Bing) to have a better life, and Yu Chengqing played a playboy. Rene Liu introduced: "In fact, this role is looking for a man who has never been married as an assistant in the hope that he can (develop) with himself, and it depends on watching movies." And she herself does not reject the practice of hidden marriage. "Marriage is a matter for two people. Whether to get married or not is a matter for others, and others should not be around."

　　　 In order to fit in with the fact that several leading actors in the film all work in perfume companies, the conference specially set up a "Scent of a Woman" link. Rene Liu and Bai Bing painted different perfumes on their wrists respectively, while Eason Chan and Yu Chengqing closed their eyes and only relied on their sense of smell to identify who they smelled. Compared with Yu Chengqing, they successfully guessed that Bai Bing put his arm in front of them, but Eason Chan failed to guess the perfume painted by Rene Liu, and thought it was white ice, which was a bit embarrassing.

　　Guide to Beijing Employment Subsidy Application

　　1. What employment subsidies can Beijing apply for?

　　A: The types of subsidies that can be applied for in Beijing are:

　　▼ Vocational training subsidies

　　▼ Vocational skill appraisal subsidy

　　▼ Employment trainee subsidy

　　▼ Employment and entrepreneurship subsidy

　　▼ Social insurance subsidies

　　▼ Public welfare post subsidy

　　Second,Employment subsidyApply for entrance:

　　▼ Beijing Municipal Bureau of Social Security: http://rsj.beijing.gov.cn/

　　▼ Beijing 12123

　　Recommended reading:

　　Beijing Employment Subsidy Application Guide (Application Entry+Subsidy Type)

　　A picture to understand the employment subsidy application policy

　　How to apply for employment subsidy? Attached application platform

　　In 2020, the list of employment subsidy policies and the first batch of local online application platforms will be released.

　　According to reports, the Ministry of Housing and Urban-Rural Development recently jointly deployed with the People’s Bank of China and the China Banking Regulatory Commission to standardize the financing behavior of house purchase, and explicitly prohibited real estate development enterprises and real estate intermediaries from providing down payment financing for house purchase in violation of regulations; It is strictly forbidden for internet financial institutions and microfinance companies to provide "down payment loans" and other home purchase financing products or services in violation of regulations; It is strictly forbidden for real estate intermediaries, internet finance institutions and microfinance companies to provide off-site real estate allocation in violation of regulations; It is strictly forbidden to misappropriate personal comprehensive consumption loans and other funds for buying houses.

　　This is a microcosm of the recent investigation by many central and local regulatory authorities into the illegal inflow of funds into the property market. Previously, the banking supervision departments in many places have taken action to strictly investigate the misappropriation of consumer loan funds to pay the down payment for house purchase. In the interview, the reporter of Economic Information Daily found that under the high pressure of supervision, the momentum of bank funds illegally entering the property market has slowed down, but there are still products of unlicensed financial institutions, intermediary companies and real estate developers appearing in the market in a more hidden form.

　　The disguised form of "down payment" is more subtle.

　　Under the background of real estate regulation and upgrading, since the beginning of this year, the regulatory authorities have strictly controlled the illegal inflow of funds into the property market. Especially in recent months, short-term funds from banks and some unlicensed financial institutions have gradually flowed into the property market in disguise, and the supervision has continued to increase. However, the reporter of the Economic Information Daily found in the interview that in the face of many buyers’ urgent demand for housing funds, there are still a small number of "down payment" products on the market, but their forms are more subtle.

　　In the last week, the reporter consulted a number of real estate agencies as buyers. When expressing that the down payment funds were "almost", most agencies bluntly said that they could not help solve the funding problem at present, and said that the company clearly stipulated that they should not assist customers in handling credit loans and consumer loans.

　　However, there are still a small number of intermediary staff who say that they can help. "Generally, loans within 1 million yuan are relatively easy to solve. If you don’t have a house, you can apply for a consumer loan of about 300,000 yuan in several cooperative banks, and the repayment period is up to 5 years. " An intermediary staff member bluntly said, "At present, the bank is strict about this kind of loan, and it is not easy to approve it now, but we can still help to think of some ways."

　　On the whole, under the high pressure of supervision, it is more and more difficult for buyers to use the relatively cheap funds of banks to make up the down payment. In this case, the channels for some loan companies and financing guarantee companies to flow into the property market are still "open". A staff member of a financing guarantee company told the Economic Information Daily that the company has cooperation agreements with some banks to cooperate with banks to lend money every year, but the loans will enter the credit information system. He introduced that the annual interest rate of lending through the platform is 5.4%, and a single bank can borrow up to 700,000 yuan, and a few borrowers can borrow up to 2 million yuan, and no collateral is needed below 2 million yuan. "If the loan is used for consumption or decoration, it can be done." He said.

　　At the same time, some intermediaries can still provide the so-called advance fund service, but the cost is relatively high. "The specific operation is to mortgage the house to our company first, and we will provide the advance payment, then go to the bank to apply for the mortgage loan after the house is transferred, and then pay the advance payment. Generally, the term of such advances is less than half a year, and the interest rate is almost 7% annualized. " An intermediary staff member said.

　　"We can also help you cash out large credit card loans through guarantee companies, but you need to charge an intermediary fee." The staff of the above-mentioned intermediary agency said, "Now the investigation is relatively strict, and it is basically impossible to succeed if you handle it yourself, but we can help with the materials." It is understood that this kind of loan has a long life, reaching 30 years, and the loan amount is 500,000 yuan to 700,000 yuan.

　　In addition, according to many interviews with reporters, the situation of down payment by real estate developers still exists. In some remote suburban buildings in Beijing, buyers need to pay only 10% of the down payment, and the rest of the down payment is paid by developers first. "About 80 square meters, the down payment for two houses is less than 400,000 yuan. You can pay half first, and the other half will be paid by the developer, and then you can pay it off before the end of next year. There is no interest and no handling fee, which is equivalent to the down payment in two years." Some intermediary staff said that this kind of real estate is generally bought by fewer people, so there are not many people who do this.

　　The risk of off-exchange default of high-interest funds is greater.

　　Since the beginning of this year, the real estate control policy has become stricter, and the banking industry has continuously reduced the scale of personal housing mortgage loans. According to the semi-annual data of a number of A-share listed banks, the growth rate of housing mortgage loans declined in the first half of the year, and the proportion of new mortgages in personal loans also declined compared with the end of last year. According to the data of the central bank, as of the end of September this year, the medium-and long-term loans of the household sector, mainly composed of personal housing mortgage loans, increased by 26.2% year-on-year, and the year-on-year growth rate was 4.6 percentage points lower than that at the end of last quarter.

　　It is worth noting that while the growth rate of medium and long-term loans in the household sector has dropped, the growth rate of short-term loans in the household sector has increased significantly. According to the data of the central bank, at the end of September this year, the growth rate of short-term loans in the household sector reached 38.11% year-on-year, which was 17.85 percentage points higher than that at the beginning of the year. In the first three quarters, the short-term loans of the household sector increased by 1,492.6 billion yuan, 942.8 billion yuan more than the same period of last year, nearly three times the increase in the same period of last year, and 1.5 times the increase in the whole year of last year. Jiang Chao, chief macro analyst of Haitong Securities, said that since the second half of last year, the amount of bank loans has been gradually restricted, and some residents have completed housing loans or borrowed short-term consumer loans, resulting in high growth of short-term loans for residents.

　　Xiong Qiyue, a researcher at the Institute of International Finance of the Bank of China, said that from the experience of developed countries, personal loans are an important asset type for commercial banks to obtain stable interest margin under the condition of interest rate marketization. Compared with the leading international banks, the proportion and pricing of personal loans in China’s banking industry still have some room to rise, and the development of personal loans should become an important direction for the transformation and upgrading of the banking industry in the future. "But at present, the scale of domestic personal loans is growing too fast, and banks have herding behavior of centralized allocation of personal loans. A large amount of funds poured into the personal loan market, which does not rule out the existence of irregularities that change the use of loans, which is obviously not conducive to the healthy development of the personal loan market as a whole. " He said.

　　In fact, in addition to the funds of the banking system that can be counted, there are also a large number of funds from Internet financial institutions, private lending institutions and guarantee companies flowing into the property market, which in disguise helps residents to buy houses with leverage, and the risks here cannot be ignored. The report on China’s deleveraging process released by the National Finance and Development Laboratory of China Academy of Social Sciences and the National Balance Sheet Research Center points out that due to the different nature of consumer loans and mortgage loans, their interest rates and risks are correspondingly greater than those of mortgage loans. At present, many consumer credits are provided in the form of cash loans to users, especially unsecured and unsecured credit loans provided by Internet financial platforms, which enlarges the probability of possible default in the future. The potential risks caused by this should be paid enough attention by the regulatory authorities.

　　"Some unlicensed institutions have higher lending rates. In this case, if individuals leverage faster, once the market fluctuates, the risk of bad debts is higher. Moreover, such off-exchange funds are more hidden and generally not included in the official credit record. Once the off-exchange funds default, they will definitely affect the funds in the banking system, which will easily lead to greater risks. " An industry insider told the Economic Information Daily reporter.

　　Regulatory upgrade "multi-faceted, multi-round"

　　The risk of residents’ disguised leverage has been closely watched by the regulatory authorities. Under the background of repeated violations, the supervision is constantly upgrading.

　　The Ministry of Housing and Urban-Rural Development, the People’s Bank of China, and the China Banking Regulatory Commission have jointly deployed to standardize the financing behavior of house purchase and strengthen the anti-money laundering work in the real estate sector. Including prohibiting real estate development enterprises and real estate intermediaries from providing down payment financing for house purchase in violation of regulations; It is strictly forbidden for internet financial institutions and microfinance companies to provide "down payment loans" and other home purchase financing products or services in violation of regulations; It is strictly forbidden for real estate intermediaries, internet finance institutions and microfinance companies to provide off-site real estate allocation in violation of regulations; It is strictly forbidden to misappropriate personal comprehensive consumption loans and other funds for buying houses.

　　The three ministries and commissions also require all localities to intensify investigation and punishment of illegal enterprises and institutions. And include illegal housing enterprises and intermediaries in the list of serious illegal and untrustworthy enterprises; Internet financial institutions that violate the rules should be included in the key targets of special rectification of Internet financial risks; The illegal provision of financing by Internet financial institutions, microfinance companies and other institutions shall be entered into the credit information system according to law.

　　Earlier, Xiao Yuanqi, director of the Prudential Regulation Bureau of the China Banking Regulatory Commission, said that it would strictly investigate the misappropriation of consumer loan funds, crack down on "down payment loans", learn from the lessons of the US subprime mortgage crisis, prevent the leverage ratio of residents from rising too fast, and prevent the risk of real estate bubbles.

　　"The China Banking Regulatory Commission has dispatched institutions to carry out risk investigation, strengthen standardized management and accountability, and strictly investigate the illegal entry of personal consumption loans into the real estate market." Relevant persons from the China Banking Regulatory Commission introduced. Banking regulatory bureaus in Beijing, Shenzhen and other places have issued a notice in October, requesting to investigate the flow of consumer loan funds. At this stage, banks are organizing branches within their jurisdiction to conduct investigations as required.

　　In fact, since the beginning of 2016, China has carried out several rounds of strict investigations on real estate agencies, online lending institutions, banks and other loan-related institutions, and resolutely cracked down on violations and speculation. Last August, seven ministries and commissions, including the Ministry of Housing and Urban-Rural Development and the China Banking Regulatory Commission, jointly issued the Opinions on Strengthening the Management of Real Estate Agents to Promote the Healthy Development of the Industry, requiring real estate agents not to provide or cooperate with other institutions to provide illegal financial products and services such as "down payment loans".

　　In this regard, Zhang Dawei, chief analyst of Zhongyuan Real Estate, said that this means that real estate regulation is deepening. On the one hand, through administrative means such as restricting purchases and sales, supervision is strengthened, and a long-term mechanism of renting and selling is established to reduce the speculative profit space. On the other hand, the financial level focuses on reducing leverage, controlling the source of investment funds, and promoting real estate to return to residential property and reducing the risk of bubbles.

　　Dong Ximiao, a senior researcher at Chongyang Financial Research Institute of Renmin University of China, also said that the regulatory authorities will continue to pay close attention to and strictly control the financial demand for speculative housing purchases. Banks need to continue to crack down on investment demand and cut off financial supply in this area.

　　Jiang Chao also said that in the future, real estate sales will continue to cool down, and the regulators will strictly check the short-term loans of residents to real estate, coupled with the limited amount of bank loans, it is expected that the growth rate of residential loans will tend to slow down.