标签： 苏州桑拿网

How strong is the financial support for real estate？ State-owned enterprises and private enterprises treat each other equally and support the reasonable extension of stock financing.

　　According to a number of media reports, the People’s Bank of China and China Banking and Insurance Regulatory Commission recently jointly issued the Notice on Doing a Good Job in Financial Support for the Stable and Healthy Development of the Real Estate Market (hereinafter referred to as the Notice).

　　On November 14th, The Paper verified from trust, insurance and other institutions that he had received the Notice.

　　The "Notice" promulgated 16 financial measures to support the real estate market, involving financial institutions including commercial banks, policy banks, trust companies, insurance companies and financial asset management companies.

　　State-owned and private housing enterprises are treated equally, and support the reasonable extension of stock financing such as development loans and trust loans.

　　In order to keep real estate financing stable and orderly, the Notice proposes that, first, we should adhere to the principle of "two unwavering" and treat all kinds of real estate enterprises, such as state-owned and private enterprises, equally. Encourage financial institutions to focus on supporting the steady development of real estate enterprises with perfect governance, focus on their main businesses and good qualifications. Support the project sponsor bank and syndicated loan model, strengthen the management of the whole process of loan approval, issuance and recovery, and effectively ensure the safety of funds.

　　The second is to support all localities to implement differentiated housing credit policies based on national policies, reasonably determine the down payment ratio of local individual housing loans and the lower limit of loan interest rate policies, and support rigid and improved housing demand.

　　The third is to stabilize the credit supply of construction enterprises. Encourage financial institutions to optimize credit services for construction enterprises on the basis of controllable risks and sustainable business, provide necessary loan support, and maintain continuous and stable financing for construction enterprises.

　　Fourth, support the reasonable extension of stock financing such as development loans and trust loans. For stock financing such as development loans and trust loans of real estate enterprises, under the premise of ensuring the security of creditor’s rights, financial institutions and real estate enterprises are encouraged to negotiate independently on the basis of commercial principles, and actively support them by extending the stock loans and adjusting repayment arrangements to promote the completion and delivery of projects. As of the date of issuance of this notice,Due in the next six months, it can be extended for one year beyond the original provisions, without adjusting the loan classification.The loan classification submitted to the credit information system is consistent with it.

　　The fifth is to keep bond financing basically stable. Support high-quality real estate enterprises to issue bonds for financing. Promote professional credit enhancement institutions to provide credit enhancement support for the bond issuance of real estate enterprises with overall financial health and short-term difficulties. Encourage bond issuers and holders to communicate in advance and make arrangements for bond redemption funds. If it is indeed difficult to pay on schedule, reasonable arrangements such as extension and replacement shall be made through consultation to actively resolve risks. Support bond issuers to buy back bonds in domestic and foreign markets.

　　The sixth is to maintain the financing stability of asset management products such as trusts.Encourage trust and other asset management products to support the reasonable financing needs of real estate.. Encourage financial institutions such as trust companies to speed up business transformation, support the reasonable financing needs of real estate enterprises and projects according to the principles of marketization and rule of law on the basis of strictly implementing the regulatory requirements for asset management products and doing a good job in risk prevention and control, and provide financial support for real estate enterprise project mergers and acquisitions, commercial pension real estate, rental housing construction, etc. according to laws and regulations.

　　Actively do a good job in the financial services of "guaranteed delivery building" and support relevant banks to add supporting financing support.

　　As for the financial services of Baojiaolou, the Notice proposes to support China Development Bank and Agricultural Development Bank to issue special loans of Baojiaolou to borrowers who have been reviewed and filed in compliance with the law, efficiently and orderly in accordance with relevant policy arrangements and requirements, with closed operation and special funds earmarked for supporting the accelerated construction and delivery of sold overdue residential projects.

　　After the special loan support project clarifies the creditor’s rights and debts, the special loan and the new judicial guarantee for supporting financing, financial institutions, especially the main financing commercial bank of the project personal housing loan or its leading syndicates, are encouraged to follow the principles of marketization and rule of law.Provide new supporting financing support for special loan support projects.To promote the resolution of the risk of personal housing loans that have not been handed over.

　　Actively cooperate with the risk disposal of trapped real estate enterprises and actively explore market-oriented support methods.

　　"Notice" said that it is necessary to do a good job in financial support for real estate project mergers and acquisitions and actively explore market-oriented support methods. Encourage commercial banks to carry out M&A loan business for real estate projects in a steady and orderly manner, and focus on supporting high-quality real estate enterprises to merge and acquire troubled real estate enterprise projects. Encourage financial asset management companies and local asset management companies (hereinafter referred to as asset management companies) to give full play to their experience and ability in the disposal of non-performing assets and risk management, and consult with local governments, commercial banks, real estate enterprises, etc. on risk resolution models to promote the accelerated disposal of assets. Encourage asset management companies to cooperate with third-party institutions such as law firms and accounting firms to improve the efficiency of asset disposal. Support qualified commercial banks and financial asset management companies to issue real estate project M&A themed financial bonds.

　　For some projects that have entered the judicial reorganization, financial institutions can help promote the project to return to work and deliver according to the principles of independent decision-making, self-risk and self-financing. Encourage asset management companies to participate in project disposal by acting as bankruptcy administrators and reorganizing investors. Support qualified financial institutions to steadily explore ways to solve the risks of trapped real estate enterprises in accordance with laws and regulations by setting up funds, and support the completion and delivery of projects.

　　Protect the legitimate rights and interests of housing finance consumers and personal credit rights and interests according to law.

　　The "Notice" emphasizes encouraging independent negotiation in accordance with the law to postpone the repayment of principal and interest, and effectively protecting the personal credit rights of deferred loans. Specifically, for individuals who are hospitalized or isolated due to the epidemic, or who have lost their sources of income due to the suspension of business and unemployment due to the epidemic, and personal housing loans that have been changed or cancelled due to the purchase contract, financial institutions can independently negotiate with the buyers according to the principles of marketization and rule of law, and make adjustments such as extension. All parties concerned must abide by the rules, abide by the contract and fulfill their commitments. In this process, financial institutions should do a good job in customer service, strengthen communication, protect the legitimate rights and interests of financial consumers according to law, and classify assets according to relevant regulations. Acts of malicious evasion of financial debts shall be dealt with according to laws and regulations to maintain a good market order.

　　In terms of personal credit rights, if the repayment arrangement of personal housing loans has been adjusted, financial institutions shall submit credit records according to the new repayment arrangement; If it is determined by the judgment or ruling of the people’s court that it should be adjusted, the financial institution shall adjust the credit records according to the effective judgment or ruling of the people’s court, and adjust those that have been submitted. Financial institutions should properly handle relevant credit objections and protect the rights and interests of information subjects according to law.

　　Adjust some financial management policies in stages to accelerate the marketization of real estate risks.

　　According to the Notice,Extend the transition period arrangement of real estate loan concentration management policy and optimize the financing policy of real estate project M&A in stages.. For banking financial institutions that can’t meet the requirements of real estate loan concentration management as scheduled due to objective reasons such as epidemic situation, the People’s Bank of China, China Banking and Insurance Regulatory Commission or branches of the People’s Bank of China, and China Banking and Insurance Regulatory Commission dispatched offices will reasonably extend their transition period according to the relevant provisions on the management of real estate loan concentration, based on the actual situation and through objective evaluation.

　　At the same time, relevant financial institutions should make good use of the staged real estate financial management policies that have been promulgated by the People’s Bank of China and China Banking and Insurance Regulatory Commission, which are applicable to major commercial banks and national financial asset management companies, and accelerate the market-oriented clearing of real estate risks.

　　Increase financial support for housing leasing and broaden diversified financing channels in relevant markets.

　　The "Notice" proposes to optimize housing rental credit services and broaden diversified financing channels in the housing rental market. Guide financial institutions to focus on increasing credit support for self-sustaining property-based housing leasing enterprises with independent legal person operation, clear business boundaries and real estate professional investment and management capabilities, rationally design loan terms, interest rates and repayment methods, and actively meet the medium and long-term capital needs of enterprises. Encourage financial institutions to provide financial support for various entities to purchase and rebuild real estate projects for housing leasing in accordance with the principles of marketization and rule of law. Loans issued by commercial banks to affordable rental housing projects that hold the confirmation of affordable housing rental projects are not included in the concentration management of real estate loans. Commercial real estate is transformed into affordable rental housing, and after obtaining the confirmation of affordable rental housing, the bank’s loan term and interest rate are applicable to the relevant policies of affordable rental loans.

　　At the same time, support housing leasing enterprises to issue direct financing products such as credit bonds and guarantee bonds, which are specially used for the construction and operation of rental housing. Encourage commercial banks to issue financial bonds to support housing leasing, and raise funds to increase the development and construction loans and operating loans for housing leasing. Steadily promote the real estate investment trust funds (REITs) pilot.

How much do you know about female menopause？

In the process of female physiological development, menopause is an inevitable physiological phenomenon. Menopause refers to the gradual decline of women’s ovarian function, the gradual irregularity of menstrual cycle and the final cessation of menstruation. This is a natural change, usually between the ages of 40 and 55. However, for many women, menopause is not only a matter of age, but also a series of physical and psychological changes.

According to the theory of traditional Chinese medicine, female menopause is related to yin-yang imbalance. Yin and Yang are important concepts in TCM theory, and they represent two relative and interdependent forces. Yin represents the cold, wet, static and soft nature of the body, while Yang represents the hot, dry, dynamic and rigid nature of the body. In the female body, the ovary is yin, menstruation is one of the characteristics of yin, and the uterus is yang, representing fertility and the continuation of life. When women go through menopause, the ovarian function gradually declines, and the imbalance between Yin and Yang leads to a series of changes in the body.

During menopause, women often encounter some physical discomfort. One of the most common symptoms is hectic fever and hyperhidrosis, which is because the imbalance of yin and yang leads to the excess of yin deficiency and heat in the body. Other common symptoms include insomnia, palpitation, mood swings, headache and loss of libido. These symptoms have brought troubles to women’s life and work.

There are many ancient and modern famous prescriptions in traditional Chinese medicine that can help relieve women’s discomfort during menopause. For example, the use of traditional Chinese medicines such as Radix Astragali, Fructus Ligustri Lucidi, and Radix Angelicae Sinensis can supplement the qi and blood in women and relieve deficiency. At the same time, a proper amount of massage at Zusanli point can also have the effects of soothing the liver and regulating qi, calming the nerves and calming the heart. In addition, Chinese medicine also advocates the concept of health care. During menopause, women should pay attention to diet conditioning, avoid spicy food, eat more foods rich in vitamins and minerals, and maintain good living habits.

In addition, psychological adjustment is also very important during female menopause. Menopause is often accompanied by mood swings, so women need to learn to relax themselves, keep a positive attitude and avoid excessive tension and anxiety. Proper exercise, participation in social activities and good rest are all effective means to help women adjust their emotions.

In a word, female menopause is a natural process of physiological development, but it does not mean that women should endure the discomfort associated with it. Traditional Chinese medicine provides many methods and prescriptions to relieve the symptoms during menopause. The key point is that women should actively face menopause, maintain good living habits and mentality, and seek the help of Chinese medicine to achieve the goal of physical and mental health.

References:

1. Administration of Traditional Chinese Medicine. (2017). Questions on Chinese Medicine Culture. China Traditional Chinese Medicine Publishing House.

Insist on playing badminton, how much has changed？

Now, with the progress of society, our life has become more and more busy.

24 hours a day, filled with work, family, eating and entertainment, I watched my figure gradually lose shape, but I just couldn’t spare a little time for exercise.

Don’t talk about us ordinary people, and stars are no exception. Remember A Xin, the handsome lead singer in Mayday?

Can you imagine that A Mei, the sexy queen, will gain weight one day?

And the handsome Leonardo in Titanic, turned into an expression pack …

But some people are different. For example, in the video of Alec Su’s recent duet "Green Apple Paradise", both the face value and the figure are the same as when he first debuted decades ago.

Netizens joked and commented whether they ate preservatives and didn’t get old for so many years. In fact, there is no preservative, rejuvenation medicine.

The secret to Alec Su’s escape from the ravages of time is actually very simple, but it is just the word sports. In order to perform, he began to prepare for fitness and dance training as early as three months ago, and strictly controlled his diet. He lost 16 pounds in one breath before he got another "he" in the video.

Look at those peers around us, who are already paunchy, full of fat and greasy before middle age. Those who are playing badminton have already left you far behind …

Then the key point is that people who insist on exercise will be more compact, have stronger oxygen uptake capacity and higher basal metabolism, especially aerobic exercise like badminton.

As long as you are in the badminton court, you will keep running. According to relevant statistics, in badminton practice for two hours at a time, including playing and picking up the ball, the running distance can reach as much as 3 thousand to 7 thousand meters.

In the process of playing ball and running, the blood circulation is accelerated, so that the flow of blood through muscles increases, the oxygen and nutrients obtained by muscles increase, and muscle fibers gradually become vigorous, which can not only shape charming muscles, but also make the body light and agile.

Badminton is a moderate-intensity exercise and an endurance exercise, which is especially beneficial to reducing fat. Generally speaking, the first 30 minutes of exercise are powered by glycogen, and fat is not powered, so fat is basically not reduced;

When exercising for 30-60 minutes, glycogen and fat are supplied with energy at the same time, and the consumption of fat can reach 40%-70% of the function; During 60-90 minutes of exercise, most of them are powered by fat, and the consumption can reach more than 90%.

Playing badminton is to follow such intensity, just right and consume body fat to the greatest extent. Playing badminton has a large range of movements, and the parts it moves to are very comprehensive.

No group of muscles will be under-trained or overtrained, and all muscle tissues of the human body can achieve balance and get full exercise.

Play more than three times a week, and you will find that you are refreshed and your mental state is obviously improved after exercise. You may not see it for a day or two, or even ten or twenty days.

But what if you persist for five, ten, or even thirty or fifty years? The difference must be amazing! Instead of regretting it in the future, it is better to take action now: every step you take, you will lose less fat;

Every drop of sweat makes you healthier. May each of us have a healthy body and live a steaming life!

12-2 wins 10 match points, O ‘Sullivan hits 23rd in the world, and the 8th world championship goes further.

In the early morning of April 23rd, Beijing time, the 2023 Snooker World Championships continued. In the second round of a focus match, Ronnie O ‘Sullivan, the seven-time world champion "Rocket", started to hang up. After the twelfth game, he won 10 match points with 10-2, beating his opponent Wafi Ayuri down in the dumps. In this state, the eighth world championship is very promising.

The second round match between O ‘Sullivan, the world’s number one, and Ayuri, the world’s number 23, was very simple. The former showed his attack to the fullest, while the latter was firmly pressed on the sofa and watched his opponent score one red ball and one colored ball.

In the first stage of the match between O ‘Sullivan and Ayuri, as soon as the defending champion of the World Championships came up, he showed Ayuri his great strength. In the first game of the competition, O ‘Sullivan won with a single shot of 78 points, with a strong start of 78-1 and a 1-0 lead. In the second game, O ‘Sullivan scored 78 points in a single shot again, with Ayuri sealed 78-0 and leading 2-0.

In the third game, after Ayuri lost two games in a row at the beginning, he scored 64 points in this bureau, pulled back a game 70-53, and the score was 1-2. In the fourth game, O ‘Sullivan once again showed his domineering strength. He scored two 50+shots (68 points and 51 points) in this bureau, 120-0 again sealed Ayuri, leading 3-1. The two sides entered the inter-office rest.

In the fifth game, after a short intermission, O ‘Sullivan won 74-29 and led 4-1 through several handovers. In the sixth game, O ‘Sullivan further improved his offensive feel. He blasted a single shot with 102 points, 102-0 nil for Ayuri and a 5-1 lead.

In the seventh game, O ‘Sullivan scored 57 points in a single shot and won 88-42, expanding the score advantage to 6-1. In the eighth game, Ayuri scored 58 points in a single shot, and 64-44 pulled back a game with a score of 2-6, avoiding the embarrassment of the score being 1-7 in the first stage.

After a night’s rest, O ‘Sullivan and Ayuri fought for the second stage. After coming back, Ayuri’s state didn’t improve, but O ‘Sullivan wound up. After his wave of 6-0 offensive, Ayuri won 10 individual match points 12-2, which made him depressed.

Get ready to fight hard？ South Korea U20 coach’s cautious remarks are not entirely a compliment to the national youth men’s soccer team.

The quarter-finals of the 41st U20 Asian Cup are about to start, and the Korean team will meet the challenge of China. At the pre-match press conference, South Korean coach Eun Jung Kim spoke cautiously, saying that the whole team was ready for hard work.

Looking forward to the competition, Eun Jung Kim said: "We have entered the knockout stage. If we lose, we will go out, so both sides will be very cautious. The teams that can enter the quarter-finals are the best teams and must be fully prepared before the game. " When talking about the comparison between Chinese and Korean football, he said: "I have played in the Super League myself, and it is difficult to compare the football between the two countries. I can only say that both the K League and the Super League need to be improved, and they all have a bright future. Both clubs and national teams are competing and have great potential."

South Korea is undoubtedly the dominant team in the schedule arrangement. Compared with China, the Korean team has an extra day off. Moreover, before the last group match, the South Korean team had scored 6 points, and the final round was played with a relatively relaxed attitude. China played the last game in the group stage until the last minute. Eun Jung Kim said: "Statistically, this may be beneficial to the Korean team, but since everyone has entered the knockout stage, everyone’s mental state may not be affected and they all need to be carefully prepared."

Cui Shuoxian, a player who attended the conference together, was obviously more confident than the head coach at the conference. He said: "The importance of this game is self-evident, which is related to the ticket ownership of the World Youth Championship. More importantly, we just want to beat our opponents. We are now a very good team, the goal is to continue to keep clean sheets, and we hope to continue to play as a team in the next game. "

In the third round of the group stage, South Korea drew 0-0 with Tajikistan, 2 wins and 1 draw and advanced to the quarter-finals. South Korea’s national youth team scored 6 goals and didn’t concede a goal in three group matches, showing solid ability. If the quarterfinals against China can be won, the South Korean team will get a ticket to the Indonesian U20 World Cup in May. In the last U20 World Cup, South Korea finally reached the final, and Li Gangren, who is currently playing in La Liga Mallorca, won the Golden Globe Award.

At U20 level, South Korea and China are far ahead with 13 wins, 2 draws and 3 losses. Since winning 2-0 in the final of Asian Youth Championship in 2004, Korean National Youth has remained unbeaten in 8 games (7 wins and 1 draw) against China National Youth Championship. In addition, when he was a player, Eun Jung Kim, the coach of the Korean team, played in Changsha Jinde, and he was very familiar with China football and China players. Before becoming the coach of South Korea’s U20 team, Eun Jung Kim served as the assistant coach of South Korea’s Olympic Games. No matter from which aspect, the South Korean team is naturally a big favourite for promotion.

After waiting for 9 years, the China team finally returned to the top 8 of the Asian Youth Championship, which is obviously psychologically stress-free. Being able to advance in Japan, Saudi Arabia, the defending champion of the Asian Youth Championship (the coach boldly aims to win the World Youth Championship) and Kyrgyzstan’s death group also shows that China is not without its merits. Perhaps the caution of the South Korean team coach is not all a compliment. In the case of China, the team must find a way to break the dense defense. Li Hao, the goalkeeper of the China team, played wonderfully in three games, and won the best single game in two consecutive games.