















Xinhua News Agency, Beijing, December 12th Question: Over 100 cities have issued more than 150 property market policies. What is the effect of real estate regulation in 2017?
Xinhua News Agency "Xinhua Viewpoint" reporters Dong Jianguo, Zheng Juntian and Cheng Shihua
In 2017, the real estate market in China ushered in strict regulation. According to incomplete statistics, up to now, more than 150 property market regulation policies have been issued by over 100 cities, and hot cities are constantly restricting purchases, loans, sales and businesses.
According to a survey by Xinhua Viewpoint, the real estate market in hot cities is generally cooling down. The effect of destocking in the third and fourth lines is obvious, and some cities have turned to controlling housing prices. At the same time, many places have issued a document emphasizing both rent and purchase, expanding the rental market, and leased land has entered the market one after another.
Controlling house prices: Hot cities collectively cooled down, and some third-and fourth-tier cities joined the price limit ranks.
This year, strict regulation of real estate in first-and second-tier hotspot cities and maintaining the stable and healthy development of the market have become the main tone. Beijing, Nanjing, Zhengzhou and other places have also put forward the goal of no increase in house prices. From March to the end of November, Chaobaicheng has issued more than 150 property market regulation policies.
Intensive control policies have gradually reversed the expectations of the real estate market. According to the data of the National Bureau of Statistics, since May, there has been a "zero growth" in housing prices in Shanghai and Beijing, while housing prices in Shenzhen have fallen. In August, house prices in 15 hot cities stopped rising in an all-round way, among which the four first-tier cities in the north, Guangzhou and Shenzhen collectively stopped rising for the first time in 33 months; In September, Shanghai’s housing prices fell year-on-year; By October, the prices of new commercial housing in 10 hot cities had fallen back to a year ago, and the real estate market in key cities was in a collective cooling trend, and the trend of de-investment was obvious.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, believes that the year-on-year decline in house prices in 10 hot cities is the first time since 2016. Under the influence of strict regulation of the property market, the peak of buying houses in core hot cities is gradually ebbing.
The cooling of the real estate market has affected the land market. According to the latest report released by China Index Academy, in November, the supply and transaction volume of land markets in major cities across the country declined month-on-month, and a total of 2,696 land projects were launched in 300 cities across the country, a decrease of 11% month-on-month; The total land transfer fee was 371.5 billion yuan, a decrease of 7% from the previous month; From the perspective of price, the average premium rate of land in 300 cities nationwide in November was 20%, down 4 percentage points from the previous month.
"In ‘ Don’t speculate if you live in a house ’ Under the guidance of the policy, the future housing attributes will be de-invested and pay more attention to the residential attributes. " Yan Yuejin, research director of the think tank center of Yiju Research Institute, believes that over the past year or so, the local property market regulation policies have attacked the investment speculation demand of hot cities. With the year-on-year decline of housing prices in some cities, there is little room for the year-on-year increase of housing prices in 70 cities, and the year-on-year increase will continue to narrow in the future.
In some third-and fourth-tier cities, while destocking has achieved positive results, it has also changed from a backlog of inventory to a rapid rise in housing prices. To this end, this year’s real estate regulation and control continued to make up for shortcomings, and the regulation and control policies began to go deep into third-and fourth-tier cities: Dongying, Liaocheng, Liuzhou, Guangxi and other cities joined the ranks of restricted sales, while Yangzhou increased the restricted sales period for second-hand houses; Some cities such as Langfang have also joined the ranks of price limits.
De-stocking: Third-and fourth-tier cities are divided, and the decline in stock scale coexists with sales difficulties.
Many insiders believe that the focus of real estate destocking in 2017 is mainly concentrated in third-and fourth-tier cities.
According to the National Bureau of Statistics, at the end of October, the area of commercial housing for sale was 602.58 million square meters, a decrease of 8.82 million square meters compared with the end of September. Among them, the residential area for sale decreased by 7.72 million square meters.
According to the data released by Yiju Real Estate Research Institute, as of the end of October 2017, the total inventory of new commercial housing in 80 monitored cities was 394.9 million square meters, a decrease of 2.1% from the previous month and a decrease of 10.1% year-on-year, which has been declining for 27 consecutive months. The reporter noted that third-and fourth-tier cities accounted for more than half of the 80 cities. Compared with historical data, the inventory scale is equivalent to the level in August 2013, that is, the inventory scale has fallen back to four years ago.
However, "the housing stock situation in third-and fourth-tier cities is very different: places with industrial support and close to hot cities are attractive to the population and have strong market demand; There are still many cities that have been blindly developed in the past, which has caused many real estate sales difficulties. " Ouyang Jie, senior vice president of Xincheng Holdings, said.
In addition, "after the regulation of real estate in hot cities, a large number of investment needs have been squeezed into the surrounding third-and fourth-tier cities. On the one hand, it is destocking, on the other hand, it is limited to housing prices, and some third-and fourth-tier cities have entered a parallel mode of dual-track regulation. " Yan Yuejin said.
Rent and purchase at the same time: over 50 cities have issued a new lease policy, and many leased land have entered the market.
This year, many places have accelerated the establishment of a housing system that combines rent and purchase as the starting point for improving the long-term mechanism. At present, China’s rental population is estimated to be 190 million, and the rental market has exceeded one trillion yuan. According to incomplete statistics, up to now, more than 50 cities in China have issued new leasing policies.
— — Increase leased land in multiple ways. Recently, Shanghai, Guangzhou, Shenzhen, Hangzhou, Zhengzhou and other cities have successively started the "rent-only-not-for-sale" land sales model, and most of the land plots have been auctioned by state-owned enterprises at "zero premium rate". According to the statistics of Tongce Research Institute, as of the end of November 2017, there were 26 cases of housing land listed for lease in major cities across the country.
— — Encourage leasing enterprises to develop on a large scale and professionally. Hangzhou proposed to select about 15 housing leasing enterprises with a certain scale and brand as the pilot of specialized housing leasing. Chengdu and Shenyang proposed to strive to cultivate and develop no less than 50 institutionalized and large-scale leasing enterprises by 2020; Hefei and Xiamen both expressed their support for housing leasing enterprises to become bigger and stronger through merger and reorganization.
— — The financial factors that promote the development of the leasing market are taking shape. Recently, the first batch of REITs products leased by central enterprises was reviewed and approved by Shanghai Stock Exchange. Many banks, such as China CITIC Bank, China Construction Bank and China Bank, have recently announced their financial support for housing leasing, including financial support for enterprises and consumer credit support for individuals.
According to industry insiders, the country’s development of the rental market is unprecedented, and it is necessary to speed up the construction of the legal system of housing rental in the future.
China news agency, Beijing, August 13th (Reporter Wang Enbo) As two important arrangements in the new pattern of economic governance in China, there is huge room for the coordinated development of the Belt and Road Initiative and RMB internationalization. The former, in particular, has become a new driving force for the latter to keep moving forward.
Nowadays, the RMB has become more and more "international". On October 1, 2016, the RMB was officially included in the Special Drawing Rights (SDR) currency basket of the International Monetary Fund, and the road to internationalization ushered in a milestone. According to the statistics of SWIFT, as of June this year, more than 1,900 financial institutions around the world use RMB as the payment currency.
So, what can the "Belt and Road" bring to the further internationalization of the RMB? Sun Guofeng, director of the Financial Research Institute of the People’s Bank of China, said at the first China Financial Forty Forum held recently that the international status of currency has created conditions for China’s banking system to provide overseas financing in the form of RMB. Exporting RMB under capital with the help of the Belt and Road Initiative is a sustainable internationalization strategy that is conducive to macroeconomic balance, in line with national welfare.
Guan Tao, a senior researcher at the China Financial Forty Forum and former director of the Balance of Payments Department of the State Administration of Foreign Exchange, pointed out that in 2016, the actual receipt and payment of RMB in cross-border trade between China and countries along the Belt and Road only accounted for 13.9% of the bilateral trade volume, and there is still much room for improvement. With the closer economic and trade exchanges between China and countries along the route, it is inevitable for the market to take RMB, one of the major international currencies, as the pricing negotiation currency in order to save exchange costs.
However, under the current situation of exchange rate fluctuation and capital flow, RMB internationalization still has a long way to go. The National Financial Work Conference, which ended a few days ago, clearly pointed out that it is necessary to expand financial opening to the outside world, deepen the reform of RMB exchange rate formation mechanism, steadily promote RMB internationalization, and steadily realize capital account convertibility. At the same time, the meeting proposed to promote financial innovation in the construction of the "Belt and Road" and do a good job in the design of relevant systems.
Sun Guofeng believes that taking advantage of the opportunity of the "Belt and Road" construction to promote the internationalization of the RMB should give full play to the role of various financial institutions, including development financial institutions. Because the "Belt and Road" construction has the characteristics of long project recovery cycle and huge capital demand, development finance can play an important role in it. At the same time, development finance and domestic and foreign commercial financial cooperation should be encouraged. The former mainly plays a leading role. After making profits, relevant institutions can transfer part of the financing to commercial financial institutions and continue to use the withdrawn funds for other development financial projects, so as to realize a benign turnover of funds.
It is worth mentioning that the dispute over currency selection is a common problem in the process of promoting development finance. For example, there are voices that the interest rate of ten-year government bonds is only 0.05% due to the negative interest rate of the Japanese yen, and the absolute cost of financing is relatively low internationally. Comparatively speaking, will the higher cost of monetary financing lead to the lack of sufficient competitiveness in providing financing in China, thus slowing down the internationalization of RMB?
According to Yin Yong, deputy governor of China People’s Bank, this understanding is not accurate. He pointed out that in developed financial markets, the choice of two currencies can be converted by currency swap operation, and both RMB and US dollar funds can be converted into Japanese yen with lower interest rate, and vice versa. In addition, China’s foreign exchange reserves include currencies of all developed countries and emerging market countries in the world, and if there are financing needs in other currencies, it can also meet them.
"Because our RMB pool is relatively larger, we have a relatively competitive advantage in providing RMB funds, and the RMB should be able to ‘ Belt and Road ’ Play a greater role in construction. " Yin Yong said. (End)
Cctv newsOn December 25th, snow or sleet occurred in central and southern Shaanxi, southwestern Shanxi, Henan, western Shandong, western Hubei and other places, with the cumulative precipitation of 1-5 mm and local area of 6-10 mm in central Shaanxi.
Affected by cold air, this morning, the temperature dropped by 6 ~ 8℃ in eastern and southern Qinghai, eastern Gansu, Ningxia, Shaanxi, northwestern Shanxi, central Inner Mongolia, southeastern Heilongjiang and central and eastern Jilin, with a local drop of 10 ~ 12℃. It is estimated that in the next three days, the temperature will drop by 4~6℃ in the eastern part of Northwest China, the central and eastern Inner Mongolia, the western part of North China and the eastern part of Southwest China, and the local temperature drop can reach more than 8℃. There are 4~5 winds and gusts of 6~8 in some areas mentioned above.
It is expected that there will be a rainy and snowy weather process in the southern region from the night of today to the 29th. There will be small to medium snow or sleet in eastern Tibet, northern Yunnan, western Sichuan Plateau, southeastern Chongqing, Guizhou, western Hunan, western Hubei, southern Anhui, northwestern Zhejiang and other places, heavy snow in central and eastern Guizhou and western Hunan, and freezing rain in western Guizhou. There are light rains in Sichuan Basin, south-central Yunnan, southern Hunan, most of Jiangxi, most of Zhejiang, northern Fujian, Guangxi and northern Guangdong, and local rains; The main precipitation period is from 27th to 28th.
In addition, there will be light snow in eastern Inner Mongolia, Heilongjiang and northern Jilin tomorrow and tomorrow.
Meteorologists reminded that there are still strong winds and cool weather in the northern region affected by cold air activities, and the public needs to take protective and warm measures; There will be rain and snow in many places in the south, and public travel needs to guard against the adverse effects of slippery roads and reduced visibility.
Provisions of the State Financial Supervision and Administration on the functional allocation, internal organs and staffing
the first In order to standardize the functional allocation, internal structure and staffing of the State Financial Supervision and Administration Bureau, and promote the legalization of institutions, functions, authorities, procedures and responsibilities, these Provisions are formulated in accordance with the Reform Plan of Party and State Institutions deliberated and adopted at the Second Plenary Session of the 20th CPC Central Committee, the Reform Plan of the State Council Institutions and the Regulations of the Communist Party of China (CPC) on Organizational Staffing deliberated and approved at the first session of the 14th National People’s Congress, and the relevant requirements of the CPC Central Committee on financial work.
the second The State Financial Supervision and Administration Bureau is a directly affiliated institution of the State Council, with ministerial status.
Article The State Financial Supervision and Administration Bureau was established on the basis of the Bank of China Insurance Regulatory Commission, and the daily supervision duties of the People’s Bank of China on financial holding companies and other financial groups, the protection duties of financial consumers and the investor protection duties of the China Securities Regulatory Commission were assigned to the State Financial Supervision and Administration Bureau.
Article 4 The main responsibilities, institutional setup, staffing, etc. determined in these Provisions are the basic basis for the institutional responsibilities, authority, staffing and operation of the State Financial Supervision and Administration.
Article 5 The State Financial Supervision and Administration Bureau is responsible for implementing the principles, policies and decision-making arrangements of the CPC Central Committee on financial work, and implementing the centralized and unified leadership of the CPC Central Committee on financial work in the process of performing its duties. The main responsibilities are:
(a) to implement unified supervision and management of the financial industry except the securities industry according to law, strengthen institutional supervision, behavioral supervision, functional supervision, penetrating supervision and continuous supervision, and maintain the legal and steady operation of the financial industry.
(two) to carry out systematic research on issues related to the reform and opening up of the financial industry and the effectiveness of supervision, and to participate in the formulation of the strategic plan for the reform and development of the financial industry. To draft relevant laws and regulations on banking, insurance and financial holding companies, and put forward suggestions for formulation and revision. Formulate relevant regulatory systems for banking institutions, insurance institutions and financial holding companies.
(3) Coordinating the protection of the rights and interests of financial consumers. Formulate a development plan for the protection of financial consumers’ rights and interests, establish and improve the protection system for financial consumers’ rights and interests, study major issues concerning the protection of financial consumers’ rights and interests, carry out financial consumers’ education, and build a complaint handling mechanism for financial consumers and a diversified solution mechanism for financial consumer disputes.
(4) Administer access to banking institutions, insurance institutions and financial holding companies according to law, and supervise their corporate governance, risk management, internal control, capital adequacy, solvency, business practices and information disclosure.
(5) Conduct on-site inspection and off-site supervision on banking institutions, insurance institutions and financial holding companies according to law, conduct risk and compliance assessment, and investigate and deal with violations of laws and regulations.
(six) unified preparation of banking institutions, insurance institutions, financial holding companies and other regulatory data statements, issued in accordance with the relevant provisions of the state, to perform the duties related to the comprehensive statistics of the financial industry.
(7) To be responsible for the scientific and technological supervision of banking institutions, insurance institutions and financial holding companies, establish a scientific and technological supervision system, formulate scientific and technological supervision policies, build a big data platform for supervision, carry out risk monitoring, analysis, evaluation and early warning, and make full use of scientific and technological means to strengthen supervision and prevent risks.
(8) Carry out penetrating supervision over banking institutions, insurance institutions and financial holding companies, formulate equity supervision system, examine and approve shareholders, actual controllers and equity changes according to law, investigate shareholders, actual controllers, people acting in concert and ultimate beneficiaries according to law, and take relevant measures or impose penalties on violations of laws and regulations.
(9) Establish a financial inspection system except in the fields of currency, payment, credit investigation, anti-money laundering, foreign exchange, securities and futures, and establish a linkage mechanism between administrative law enforcement and criminal justice, investigate, collect evidence and deal with relevant subjects of illegal financial activities according to law, and transfer them to judicial organs if they are suspected of committing crimes.
(ten) the establishment of banking institutions, insurance institutions, financial holding companies and other recovery and disposal systems, in conjunction with relevant departments to study and put forward opinions and suggestions on the recovery and disposal of financial institutions and organize their implementation.
(eleven) take the lead in cracking down on illegal financial activities, organize the establishment of a monitoring and early warning system for illegal financial activities, organize and coordinate, guide and urge relevant departments and local governments to carry out the prevention and disposal of illegal financial activities according to law. To study and put forward relevant suggestions on illegal financial activities involving cross-sectoral and cross-regional new products and new formats, and organize their implementation as required.
(12) In accordance with the requirements of establishing a local financial supervision system with local agencies of the central financial management department as the mainstay, guide and supervise local financial supervision-related business work, and guide and coordinate local governments to fulfill their territorial responsibilities in dealing with relevant financial risks.
(13) To be responsible for supervising the information technology outsourcing and other cooperative behaviors of banking institutions, insurance institutions, financial holding companies and other intermediaries such as information technology service institutions, investigating illegal acts according to law, and taking relevant measures against financial institutions.
(fourteen) to participate in the formulation of relevant international organizations and international regulatory rules for the financial industry and to carry out foreign exchanges and international cooperation.
(fifteen) to complete other tasks assigned by the CPC Central Committee and the State Council.
Article 6 Functional transformation. Strengthen and improve modern financial supervision, change the concept and mode of supervision, adhere to both legality and illegality, continuously improve the foresightedness, accuracy and effectiveness of supervision, strengthen the coordination between central and local supervision, eliminate regulatory gaps and blind spots, strengthen the protection of financial consumers’ rights and interests, increase the investigation and punishment of illegal acts, and firmly hold the bottom line that no systematic financial risks will occur.
Strengthen the internal governance of financial supervision, strengthen the effective checks and balances on the operation of power, standardize the workflow of policy formulation, market access, inspection and law enforcement, administrative punishment, risk disposal, strengthen supervision and restriction on key positions and key links, and build a politically competent, professional, honest and clean supervision iron army.
Article 7 Division of responsibilities with other departments:
(1) Division of responsibilities for cracking down on illegal financial activities. 1. The State Financial Supervision and Administration Bureau takes the lead in establishing a coordination mechanism for cracking down on illegal financial activities, organizing the establishment of a monitoring and early warning system for illegal financial activities, organizing, coordinating, guiding and urging relevant departments and local governments to carry out prevention and disposal of illegal financial activities according to law. 2. The State Financial Supervision and Administration Bureau, the People’s Bank of China, the China Securities Regulatory Commission and the State Administration of Foreign Exchange, according to their respective duties, have investigated and determined the organizations that illegally set up financial institutions and engage in chartered financial activities, and taken relevant measures or banned them. 3. Departments in charge of education, pension, real estate, business services and other industries shall, within the scope of their duties, carry out the prevention and coordination of illegal financial activities such as illegal fund-raising in this field. 4. Internet information content management departments, telecommunications authorities, market supervision and management departments and other relevant functional departments shall carry out prevention and coordination of illegal financial activities within the scope of their duties. 5. Local governments are responsible for the prevention and disposal of illegal financial activities such as illegal fund-raising within their jurisdiction, and carry out risk investigation, case investigation, after-treatment and stability maintenance. 6. For illegal financial activities involving cross-sectoral and cross-regional new products and new formats, the State Financial Supervision and Administration Bureau is responsible for putting forward relevant work suggestions, organizing the implementation after approval according to procedures, and taking emergency measures in time.
(2) Division of responsibilities for the protection of financial consumers’ rights and interests. 1. The State Financial Supervision and Administration Bureau is responsible for the overall protection of financial consumers’ rights and interests, and takes the lead in establishing a coordination mechanism for financial consumer protection and a diversified solution mechanism for financial consumer disputes. 2. The State Financial Supervision and Administration Bureau shall make overall plans for the protection and development of financial consumers’ rights and interests, establish and improve the protection system for financial consumers’ rights and interests, and carry out financial consumers’ education, with the support of the People’s Bank of China and the China Securities Regulatory Commission. 3. The State Financial Supervision and Administration Bureau takes the lead in establishing a unified financial consumer complaint reporting process and standard system. The State Financial Supervision and Administration Bureau, the People’s Bank of China and the China Securities Regulatory Commission shall implement or urge relevant institutions to implement the main responsibility for handling complaints and reports according to their division of labor, and investigate and deal with violations of the legitimate rights and interests of financial consumers according to law.
(3) The interface mechanism between administrative law enforcement and criminal justice. 1. The State Financial Supervision and Administration Bureau, the Ministry of Public Security and the Supreme People’s Procuratorate have established a working mechanism linking administrative law enforcement and criminal justice to realize information sharing and collaborative handling of cases. 2. If the State Financial Supervision and Administration Bureau finds that an illegal act is suspected of committing a crime, it shall be transferred to the Ministry of Public Security in accordance with relevant regulations and copied to the Supreme People’s Procuratorate. If the public security organ finds that the State Financial Supervision and Administration Bureau needs to impose administrative punishment according to law after investigation, the Ministry of Public Security shall make suggestions to the State Financial Supervision and Administration Bureau. 3. If the procuratorial organ decides not to prosecute the case, which needs to be punished by the State Financial Supervision and Administration Bureau, the Supreme People’s Procuratorate shall submit procuratorial opinions to the State Financial Supervision and Administration Bureau.
Article 8 The State Financial Supervision and Administration Bureau shall, according to the main responsibilities specified in Article 5 of these Provisions, prepare a list of powers and responsibilities, and specify the name, type, basis, way of performing responsibilities and the situation of accountability item by item. On this basis, work guidelines and operation flow charts are formulated to further optimize administrative procedures and standardize the operation of power.
Article 9 The State Financial Supervision and Administration Bureau has the following internal organs at the bureau level:
(1) General Office (Party Committee Office). Responsible for the daily operation of the organs, and undertake information, safety, confidentiality, letters and visits, government affairs disclosure, news propaganda and other work. To undertake the daily work of the Party Committee Office of the State Financial Supervision and Administration Bureau.
(2) Policy Research Division. To undertake the research and organization and implementation of relevant reform and opening-up policies in the financial industry. Carry out systematic research on the domestic and international economic and financial situation, international financial supervision reform and development trend, supervision methods and operation mechanism, and put forward relevant supervision policy suggestions.
(3) department of laws and regulations. Draft relevant laws and regulations. Formulate relevant regulatory systems. Undertake legal review, legal advisory services, administrative reconsideration, administrative litigation and other work.
(4) Statistics and Risk Monitoring Department. Formulate a regulatory statistical system. To undertake the preparation of regulatory statements, information disclosure, data sharing and industry risk monitoring, analysis and early warning. Coordinate off-site supervision.
(5) Department of Science and Technology Supervision. To formulate relevant information technology development plans and information technology risk supervision systems and organize their implementation. Undertake the work of network security, data security and key information infrastructure supervision according to the division of labor, and promote the construction of digital information.
(6) Corporate Governance Supervision Department. Formulate the corporate governance supervision system. Carry out equity management and corporate governance supervision, undertake off-site monitoring, risk analysis and regulatory evaluation of financial holding companies, insurance groups and other institutions, conduct on-site investigations according to the needs of risk supervision, take regulatory measures, and carry out case risk disposal.
(7) inclusive finance Division. Urge financial institutions to implement the policy requirements of inclusive finance, formulate rules and regulations for supervision and management and organize their implementation, guide financial institutions to provide financial services to small and micro enterprises, "agriculture, rural areas and farmers" and special groups, and standardize the order in inclusive finance.
(8) Department of Access to Financial Institutions. To formulate the access system for banking institutions, insurance institutions and financial holding companies, study the structural layout, implement access management for institutions and their business scope, and review the qualifications of directors and senior managers.
(9) Department of Supervision of Large Banks. To undertake off-site monitoring, risk analysis and regulatory evaluation of policy banks, development banks and large state-controlled commercial banks, conduct on-site investigations according to the needs of risk supervision, take regulatory measures, and carry out case risk disposal.
(ten) joint-stock and city commercial bank supervision department. Undertake off-site monitoring, risk analysis and supervision evaluation of national joint-stock commercial banks, city commercial banks and private banks, conduct on-site investigation according to the needs of risk supervision, take regulatory measures and carry out case risk disposal.
(eleven) the supervision department of rural small and medium-sized banks. To undertake off-site monitoring, risk analysis and supervision evaluation of rural small and medium-sized banking institutions, carry out on-site investigation according to the needs of risk supervision, take regulatory measures, and carry out case risk disposal.
(12) Property Insurance Supervision Department (Reinsurance Supervision Department). To undertake off-site monitoring, risk analysis and supervision evaluation of property insurance institutions, reinsurance institutions and insurance intermediaries, conduct on-site investigations according to the needs of risk supervision, take regulatory measures, and carry out case risk disposal.
(thirteen) life insurance supervision department. To undertake off-site monitoring, risk analysis and regulatory evaluation of life insurance institutions, conduct on-site investigation according to the needs of risk supervision, take regulatory measures, and carry out case risk disposal.
(14) Supervision Department of Asset Management Institutions. To undertake off-site monitoring, risk analysis and regulatory evaluation of trust companies, wealth management companies and insurance asset management companies, conduct on-site investigations according to the needs of risk supervision, take regulatory measures, and carry out case risk disposal.
(15) Department of Supervision of Non-bank Institutions. To undertake off-site monitoring, risk analysis and regulatory evaluation of financial asset management companies, enterprise group finance companies, financial leasing companies, auto finance companies, consumer finance companies and currency brokerage companies, conduct on-site investigations according to the needs of risk supervision, take regulatory measures and carry out case risk disposal.
(16) Banking Institution Inspection Bureau. Draw up the on-site inspection plan of banking institutions and organize its implementation. Undertake on-site inspection, project establishment, implementation and post-evaluation. Put forward on-site inspection opinions, take regulatory measures, and put forward suggestions on administrative punishment.
(seventeen) insurance and non-bank institutions inspection bureau. To formulate on-site inspection plans for insurance institutions, financial holding companies and other non-bank institutions and organize their implementation. Undertake on-site inspection, project establishment, implementation and post-evaluation. Put forward on-site inspection opinions, take regulatory measures, and put forward suggestions on administrative punishment.
(eighteen) Department of institutional recovery and disposal. Formulate risk disposal systems, standards and procedures for relevant high-risk institutions, and carry out risk disposal for institutions with serious risks and difficulties in sustainable operation.
(19) Financial Consumer Rights Protection Bureau. Formulate development plans and systems for the protection of financial consumers’ rights and interests, carry out financial consumers’ education, undertake the management of compliance and appropriateness of relevant financial products, organize investigation and handling of cases infringing on the legitimate rights and interests of financial consumers, and build a complaint handling mechanism for financial consumers and a diversified settlement mechanism for financial consumption disputes.
(20) Bureau for Combating Illegal Financial Activities. Establish a monitoring and early warning system and public reporting channels for illegal financial activities, organize, coordinate, guide and urge relevant departments and local governments to carry out prevention and disposal of illegal financial activities according to law, and carry out relevant publicity and education, policy interpretation and business guidance. To study and put forward relevant suggestions on illegal financial activities involving cross-sectoral and cross-regional new products and new formats. Formulate supervision systems for local financial organizations such as microfinance companies, financing guarantee companies, pawn shops, financial leasing companies, commercial factoring companies and local asset management companies, and guide and supervise the relevant business work of local financial supervision departments.
(21) Inspection Bureau. To formulate the inspection system. Organize the investigation and evidence collection of relevant subjects of illegal financial activities, and put forward handling opinions; Suspected of committing a crime, put forward suggestions for transferring it to judicial organs. Guide and inspect the security work of financial institutions.
(twenty-two) administrative punishment bureau. To undertake the trial of administrative punishment cases, put forward trial opinions, organize hearings and collective discussions, serve administrative punishment decisions and implement them.
(twenty-three) Internal Audit Department (Office of the Leading Group for Inspection Work of the Party Committee). Formulate the system and method of system internal audit and patrol, supervise and inspect the system to implement the relevant major decision-making arrangements, organize the system internal audit and patrol, put forward suggestions on the problems found and those responsible, and guide, supervise and inspect the system internal audit and patrol.
(twenty-four) International Cooperation Department (Hong Kong, Macao and Taiwan Office). To undertake foreign affairs management, international cooperation and related affairs involving Hong Kong, Macao and Taiwan. To undertake off-site monitoring, risk analysis and regulatory evaluation of foreign banks, conduct on-site investigation according to the needs of risk supervision, take regulatory measures, and carry out case risk disposal.
(twenty-five) personnel education department (Party Committee Organization Department). To undertake the cadre personnel, organization establishment, labor wages, education and training, and the management of retired cadres in organs, agencies and directly affiliated units. Guide the construction of talent team in the industry.
(26) Financial Accounting Department. Undertake financial management, and be responsible for compiling the annual financial budget and final accounts of the system. Strengthen supervision and guidance on accounting supervision of banking institutions, insurance institutions and financial holding companies according to law.
(twenty-seven) Party Construction Bureau (Party Committee Propaganda Department). To undertake the relevant work of the Party Committee of the State Financial Supervision and Administration Bureau in implementing the party’s main responsibility in an all-round way. To undertake the systematic Party building, and guide the systematic grass-roots Party organization building, party member team building, party style and clean government building and anti-corruption work. Responsible for the propaganda work of the party. Leading the system of United front work and group organization work.
Party committees of organs. Responsible for the party building and discipline inspection work of organs and units directly under Beijing, and lead the work of group organizations of organs. The Party Committee of the organ shall set up an organ discipline inspection commission to undertake the discipline inspection of the organ and the units directly under it in Beijing, and the work related to the building of a clean and honest party style.
Article 10 The State Financial Supervision and Administration Bureau has 910 administrative personnel. 1 director and 4 deputy directors; There are 114 leadership positions at the bureau level (including one chief risk officer, one chief prosecutor, one chief lawyer and one chief accountant, one full-time deputy secretary of the Party Committee of the organ and one secretary of the Disciplinary Committee of the organ).
Article 11 The State Financial Supervision and Administration Bureau has set up an inspection corps, which is directly under the administrative department and is responsible for the investigation and evidence collection of relevant cases and puts forward handling opinions. The establishment of the inspection corps and the number of leadership positions shall be stipulated separately.
Article 12 The State Financial Supervision and Administration Bureau shall exercise vertical management over the dispatched offices. The establishment, responsibilities and establishment of local agencies and affiliated institutions of the State Financial Supervision and Administration Bureau shall be stipulated separately.
Article 13 The Office of the Central Organization Establishment Committee shall be responsible for the interpretation of these Provisions, and its adjustment shall be handled by the Office of the Central Organization Establishment Committee according to the prescribed procedures.
According to the authority of organization establishment management, the organization establishment matters decided by the Party Committee of the State Financial Supervision and Administration Bureau and reported to the office of the Central Organization Establishment Committee for the record shall be implemented in accordance with relevant regulations.
Article 14 These Provisions shall come into force as of October 29, 2023.
1905 movie network news The TV series "The South Wind Know My Mind" is directed by Li Ang and Liu Hongyuan, starring in it. The TV series is adapted from Qiwei’s novel of the same name. Yuxi Zhang plays the tough, optimistic and cheerful "Little Sun" Zhu Jiu in the play. Since its launch, the play has been well received by netizens with its excellent cast and strong plot rhythm intertwined with sweetness and cruelty, while Yuxi Zhang has been labeled as a redemptive heroine and the light of the present couple by netizens with her exquisite performance and perfect interpretation of the role Zhu Jiu.
In the latest story, Fu Yunshen (decoration), the favored son of heaven, can’t stand because of a car accident with his legs injured. His self-esteem is frustrated, so he can’t face his ex-girlfriend Zhu Jiu (Yuxi Zhang), who has become his family doctor. He can only pretend to be indifferent to Zhu Jiu’s concern. In the face of Fu Yunshen’s alienation, indifference and difficulties, Zhu Jiu was not discouraged. She took care of Fu Yunshen in every possible way, personally decocted medicine and fed it, and prepared sugar to coax him into taking medicine. Choosing never to give up in the darkest moment of the beloved’s life is also Zhu Jiu’s unique tough character that distinguishes him from other couples. Yuxi Zhang’s redemptive heroine’s personality is not only reflected in helping Fu Yunshen recover his walking ability, but also in giving him spiritual comfort. Every time Fu Yunshen falls to the bottom of rolling in the deep, Zhu Jiu illuminates him like the sun on earth. This positive personality also makes the audience feel warm through the screen and see the gentleness and beauty of the world.
If Fu Yunshen was shaken by Zhu Jiu’s company, then taking the initiative to kiss Fu Yunshen after drunkenness is the key to success in making Ba Zong open his heart. Zhu Jiu’s forced love made him realize that there is no sympathy in Zhu Jiu’s heart, but only equality and mutual love. After the reconciliation, the two started a sweet daily life, set off fireworks in a foreign country and imagined the future. Many netizens lamented that the young couple played quite well, and every sweet crit was the degree to which the pure love warrior fell to the ground. It is worth mentioning that Yuxi Zhang handled this sweet redemption just right. And whenever Zhu Jiu keeps a stable mood, he treats Fu Yunshen and the people around him patiently and provides positive emotional value. Even though he is made difficult by Fu Yunshen’s mother, Jiang Shuning (Yang Yuting), he always keeps each other’s dignity with courtesy and grace. His girlfriend’s all-round display vividly depicts Zhu Jiu, which is sweet and provocative, making people unable to resist. The excellent performance makes the audience immersed in it. Not only is the acting natural value online, but the rich small expression makes Zhu even more.
With the popularity of "South Wind Know My Mind", Yuxi Zhang is also "busy". Before, there was a popular IP drama "Douluo Mainland 2" starring, and then there was a seamless group "Your lies are also beautiful".
In the new drama Your Lies Are Beautiful, Yuxi Zhang plays the big star Qin Fei, which is also the female star after Too Strong Color. Wearing a simple blue uniform on the day of boot can’t hide her beauty. The state of curly hair and high ponytail is very online. Just standing there is the female star, which is so beautiful that people can’t leave their eyes open. It is expected to be hot before broadcasting!
Protect the earth on which we live.
Is everyone’s responsibility.
Now we should also pass on this sense of responsibility to the children.
heretofore
Let’s learn about the origin of Earth Day!
The World Earth Day, that is, April 22nd every year, is a festival specially set up for world environmental protection, aiming at raising people’s awareness of existing environmental problems, mobilizing people to participate in the environmental protection movement, and improving the overall environment of the earth through a green and low-carbon life.
The word "Earth" in English originated from "Erda" in Anglo-Saxon (Old English), which means "ground" and "soil". Although the name is "ground", 71% of the earth’s surface is covered with water.
The mass of the earth is 5.975× 10 24 kg. Today, it is still accumulating comets, meteorites, cosmic dust and interstellar molecules in space. According to experts’ estimation, the earth can get about 100,000 tons of interstellar matter every year, including 23,430 tons of cosmic dust. Therefore, the earth grows a little fatter every year.
Since the birth of the earth from chaos 4.6 billion years ago, more than 1 trillion species have lived and multiplied on it. How many living things are there on the earth now? Go to the small garden in front of the door and dig a spoonful of soil with a spoon. There are more organic organisms living there than there are people on the earth.
About 620 million years ago, the earth’s day was only 21.9 hours. It can be seen that the rotation speed of the earth is gradually slowing down, but for us, the range is negligible-only 70 milliseconds every 100 years, so we have to wait another 100 million years if we want an extra hour in the day of the earth.
In history, there have been many magnetic pole reversals on the earth, from north to south and from south to north, and the most recent one was 780,000 years ago. Some scientists suspect that the reversal of the earth’s magnetic pole was the cause of ancient biological extinction.
Thanks to Jupiter, our earth can survive safely in the universe. Jupiter is big, massive, rotates fast, and its gravity is bigger than that of ordinary planets. The meteorites that originally flew to the earth were attracted by Jupiter and crashed into it one after another.
The earth is the only known planet with plate structure. Seven huge plates are moving in different directions, shaping the ever-changing geological features on the earth. Although it only moves 1-10 cm a year, the global carbon cycle depends on it by a few centimeters a year, so as to prevent the earth from overheating.
Man’s exploration of space has never stopped since ancient times. However, with the launch of satellites and space stations, there are more and more space junk. In 2014, a NASA data said that there were 2,600 failed but in-orbit satellites floating over the earth, twice as many as working satellites. According to the statistics of American space monitoring network, there are 26,000 objects in orbit over 10 cm, and 50,000 objects over 1-10 cm, most of which are space junk.
The water in ninety-seven percent on the earth is salt water. Of the remaining 3% fresh water, 70% is frozen in polar regions, and most of the rest is in soil or deep underground which is difficult for human beings to draw.
About 300 million years ago, almost all the land on the earth was a whole. During the Jurassic period, Pangea split into two continents, and with the passage of time, they split into what they are now.
The earth is our common home.
Each of us should have the responsibility to protect it.
Keep it from getting hurt.
世界地球日主题宣传活动周之际,
自然资源部宣传教育中心
策划制作了系列宣传海报,
倡议全社会尊重自然、
顺应自然、保护自然,
积极践行习近平生态文明思想。
(海报设计:崔家乐 刘圣媛 谭诗骑)
来源 | 综合自自然资源部宣传教育中心、口袋幼师、中国教育报等
责任编辑 | 赵利
In order to further keep up with the development trend of the film and television industry and help the high-quality development of copyright culture in Hainan Free Trade Port, the 5th Hainan Island International Film Festival held the Film and Television Digital Rights Management Forum and Film Science and Technology Innovation Forum in Sanya on December 18th. Based on the integration of culture and technology, this forum will exchange and discuss hot topics such as digital copyright protection of film and television, AIGC, film industrialization, HDR Vivid and Audio Vivid’s new audio and video technical standards, release scientific and technological innovation achievements of film and television industry, promote the ecological development of digital copyright protection of film and television and film technological innovation, and help the industry prosper and develop.
Zhang Meiying, former vice chairman of Chinese People’s Political Consultative Conference; Former Party Member and Deputy Director of the State Administration of Press, Publication, Radio, Film and Television, and Tong Gang, Vice President of China Federation of Radio and Television Social Organizations; Zhang Jun, Executive Deputy Minister of Propaganda Department of Hainan Provincial Committee and Director of Provincial Film Bureau; Zhang Hong, Director of Publicity Department of the Communist Party of China Digital Film Program Management Center; Ren Zhonglun, Vice Chairman of China Film Association; Member Chinese People’s Political Consultative Conference, Party Secretary and Director Sun Baolin of China Copyright Protection Center; Fu Mingdong, Vice President of Radio and Television Research Institute of State Administration of Radio and Television; Zhang Wei, director of China Film Science and Technology Research Institute; Zhou Chunhua, member of the Standing Committee of Sanya Municipal Committee and Minister of Propaganda Department; Tang Ze, vice chairman of Sanya CPPCC, attended the forum.
Sun Baolin said in his speech that copyright is the core of culture, the embodiment of creativity and the pioneer of the latest perception and application of technology. Copyright is undoubtedly the most important factor in the film and television industry to embrace the digital wave and explore new scenes and practices. We should pay attention to the natural advantages of copyright communication culture and technology, optimize the full chain service of film and television copyright, and contribute to the high-quality development of the film and television industry. It is suggested that the concept of film and television property management should be strengthened; Give full play to the advantages of Hainan free trade port and go out to sea culturally; Empowering film and television creation and value mining with copyright and technology, and condensing the greatest synergy in the balance of interests of all parties.
Ding Wenhua, academician of China Academy of Engineering and chairman of China Radio, Film and Television Digital Rights Management Forum, said in his speech that this forum discussed the practice and innovation of digital rights management in the film and television industry, and released the industrialization achievements of digital rights management standards for video and audio content distribution. He was particularly pleased to see that mainstream OTT TV manufacturers had begun to integrate hardware security-grade ChinaDRM, and some high-end TVs had passed the safety assessment of ChinaDRM products, which I believe would have a far-reaching impact on the healthy development of digital rights management in the film and television industry.
Fu Mingdong said in his speech that at present, the radio and television and network audio-visual industries are facing a new round of technological upgrading brought by ultra-HDTV, 5G, artificial intelligence and blockchain, and the demand for digital copyright protection of film and television content is more urgent. In the next step, the "Digital Media Content Protection Technology Research Laboratory" approved by the State Administration of Radio and Television will continue to strengthen cooperation with all parties in the film and television content industry chain and promote the continuous evolution of copyright protection technology; Further improve the technical evaluation and service certification of audio-visual content copyright protection, and promote compliance and orderly competition in the copyright protection market; Continue to do a good job in training digital copyright protection talents and international exchanges, provide public welfare support for industry development and technology output, jointly create a high-security, wide-coverage digital copyright protection environment for the ecological prosperity of large audio-visual content, and promote the high-quality and innovative development of the industry.
Ren Zhonglun said in his speech that the nature of film is the combination of technology and the embodiment of cultural soft power, and it is also the embodiment of the value of technical film and television. For more than 100 years, movies have been developing with the development of science and technology, and breaking through with the breakthrough of science and technology. All our film artists are keen, sensitive and agile to the development of technology, and are good at turning the latest achievements of these technologies into the latest expression of movies. Over the years, the progress of China films, especially the technological progress and development, has attracted worldwide attention.
The launching ceremony of ChinaDRM+ ultra-high-definition audio-visual service, the release ceremony of the list of ChinaDRM products that passed the evaluation in 2023, the signing ceremony of the trust management center for digital rights protection, and the launching ceremony of the research cooperation on the registration mechanism of artificial intelligence products were also held, and the implementation guide for digital rights management (DRM) technology application for audio-visual content distribution was publicized.
In addition, a round-table forum was held around the themes of "Innovation Practice and Future Prospect of Film Science and Technology" and "Evolution of Audio-visual Copyright Protection Technology".
Source: Sanya Daily
scenery
Text | Liangzhou
On the leisure chair under the tree, a group of pigeons
Nod to each other
Fallen leaves are flying in spring.
Street in Lingnan
Unnamed trees, in spring
Leaves fall out
The girl with short hair smiles, in the sunshine.
Gently fall on
On the soft grass
No one can pick it up
No one can occupy it
A touch of spring scenery, in a poem
Like a dove flying freely
Yi Dian Hao Shu yi Wen Xin
News clue reporting channel: download the "Qilu Yidian" APP in the application market, or search for the WeChat applet "Qilu Yidian", and 600 reporters in the province will wait for you to report online!