爱上海419论坛-阿拉上海后花园419-夜上海最新论坛社区-上海品茶工作室

　　　　　

　　　　On August 27th, American football star michael vick (centre) left the Richmond District Court in Virginia, USA. On the same day, michael vick, who was criticized for his involvement in illegal dog fighting, attended a hearing in the Virginia District Court and formally pleaded guilty. District Court Judge Henry Hudson said that Vic’s plea agreement may not help him reduce his punishment, and he still faces up to five years in prison. Dog fighting is illegal in 50 States in the United States, and 48 of them even make it a felony. Xinhua News Agency/Reuters

　　　　American football star michael vick, who was criticized for his involvement in illegal dog fighting, attended a hearing in the Virginia District Court on the 27th and formally pleaded guilty. Vic apologized to the public for his behavior. He said that he is not mature enough and needs to grow up.

　　　　District Court Judge Henry Hudson said that Vic’s plea agreement may not help him reduce his punishment, and he still faces up to five years in prison.

　　　　punish severely

　　　　Vic arrived at the court to attend the hearing accompanied by supporters and lawyers on the 27th, and also waiting outside the court were protesters holding up photos of "defeated dogs" who were injured in dog fighting competitions. Dog fighting is a bloody game, and Vic has been strongly criticized by the media and animal protectionists.

　　　　At the hearing, Judge Hudson asked Vic, "In an conspiracy charge, do you admit guilt because you are really guilty?" Vic replied, "Yes, your honor."

　　　　Dog fighting is illegal in 50 States in the United States, and 48 of them even make it a felony. A new bill passed by the US Congress stipulates that "dog fighting" in cross-border transportation is a federal crime. According to the relevant laws and regulations, if convicted, Vic faces up to five years in prison.

　　　　Prosecutor Chuck Rosenberg said in a statement: "The person who committed dog fighting for the first time may not be sentenced to imprisonment, but we believe that this case is disgusting, cruel and inhuman, so three of the four defendants, including Vic, should be punished more severely."

　　　　The prosecutor suggested that the judge sentence Vic to 12 to 18 months’ imprisonment.

　　　　Hudson said that the prosecutor’s suggestion is of great significance to the judgment, but even so, the final judgment is not completely limited by the prosecution’s suggestion.

　　　　"You must face any decision I make," Hudson told Vic in court. "If I think you need to serve five years, you must obey." Vic replied again, "Yes, your honor."

　　　　On August 27th, michael vick was interviewed by the media in a hotel in Richmond, Virginia. Xinhua News Agency/Reuters

　　　　apology

　　　　Vic, 27, is the star quarterback of Atlanta Falcon, an American professional football team. His 10-year salary of $130 million ranks second among NFL players.

　　　　Vic told the media on the 27th that he apologized to the public for "everything I have done". He not only apologized to his coach, teammates and NFL, but also apologized for "immature behavior to all children".

　　　　"What I did is very immature, which means I need to grow up," Vic said. "I am responsible for my actions, and now I have to pay for it."

　　　　Vic said that he was "disappointed" with himself and "through this incident, I realized my mistake".

　　　　"Fighting dogs is a bad thing, and I should resist such a thing," he said. "I apologize to everyone and I will redeem myself. I have to do this. "

　　　　Vic admitted on the 24th that he and three other people participated in an illegal inter-state dog fighting organization called "Bad News from Dog kennel" from 2001 to April 2007, and funded dog fighting activities, and admitted that the activities of this dog fighting organization involved gambling and his own participation in the execution of defeated dogs.

　　　　This picture taken in June 2006 shows a dog that will be used for dog fighting in Northampton County, North Carolina, USA. In the United States, the scene and consequences of dog fighting are quite cruel. The duration of a dog fighting is as short as 15 minutes and as long as five or six hours until one dog bites the neck of another dog. All 50 States in the United States stipulate that dog fighting is illegal, and 48 of them even list dog fighting as a felony. Even so, the bloody game of dog fighting is still rampant in the United States. Xinhua News Agency/AFP

　　　　lose

　　　　Vic’s dog fighting behavior not only faced legal sanctions, but also dealt a heavy blow to his football career. Vic has lost most of his sponsorship since he was accused. Nike, a sporting goods manufacturer, suspended the release of a sports shoe named after Vic.

　　　　The NFL announced a one-season ban on Vic. Atlanta’s "Falcon" team said that they would not fire Vic immediately, because he had received a dividend of $22 million from the contract signed with the team in 2004, and the "Falcon" team hoped that Vic would return the money.

　　　　In a letter to Vic on 24th, Roger Ghoder, a member of NFL Committee, said: "What you admit is not only illegal, but also cruel and should be condemned. Your team, NFL and fans are all hurt by your actions. " (Yan Chao)

Editor: Zhang Pengfei

Opening date: 2009 Designer: NELSON&HORWORTH; Type: Mountain course Number of holes: 18 holes Guolingcao species: creeping bentgrass. Fairway grass species: Cart: Yes. Driving range: Yes. Tel: 86-10-64918888 Chuanzhen: 86-10-64813883 Address: Laiguangying Township, Chaoyang District, Beijing

Zhang Xiaojing, Director of the Institute of Finance of China Academy of Social Sciences and Director of the National Finance and Development Laboratory, The Paper reporter Zhou Yushe

On September 22nd, at the 5th Bund Financial Summit in 2023, Zhang Xiaojing, director of the Institute of Finance of China Academy of Social Sciences and director of the National Finance and Development Laboratory, pointed out that risk and uncertainty are the "bridges" between finance and science and technology innovation. For scientific and technological innovation, the biggest problem is how to deal with the risks and uncertainties faced by innovation and how to cross the "valley of death". For the financial system, risk pricing and risk allocation are its most basic and important functions.

"It is risk and uncertainty that make finance and technological innovation have a natural connection, and also provide a perfect reason for finance to support technological innovation." Zhang Xiaojing said that a financial system has advantages in identifying risks, pricing risks and allocating risks, so it must also have advantages in supporting scientific and technological innovation.

Focusing on China’s financial support for scientific and technological innovation, Zhang Xiaojing pointed out the "soft underbelly":"The lack of risk identification ability, the dysfunction of risk pricing and risk allocation are precisely the Achilles heel of China’s financial system, which has also become the fundamental reason for the lack of financial support for technological innovation."

Zhang Xiaojing said that the "four-in-one" catch-up model (the "structural advantages" of state-owned enterprises, the development responsibility and soft budget constraints of local governments, the institutional preferences of financial institutions and the last resort of the central government) makes the risk pricing and rational allocation of financial resources not determined by the market, but largely influenced by government intervention, leading to distorted risk pricing and improper allocation of financial resources. Some departments get a lot of credit funds, but fail to bear the corresponding risks-this is caused by implicit guarantee, rigid redemption and too big to fail.

However, this does not mean that the government cannot play a role in it, but emphasizes that the role of the government should also be played on the premise of not damaging the decisive role of the market.

"Financial support for science and technology innovation needs an’ ideological enlightenment’." Zhang Xiaojing said that the value of capital depends on future expectations, not the past, which is a real revolution and "ideological enlightenment" in financial epistemology. It is this revolution that laid a theoretical foundation for financial support for scientific and technological innovation: because the current financial support for science and technology innovation depends on the "expectation" of future scientific and technological innovation achievements.

Zhang Xiaojing said that it is necessary to respect the laws of the market economy and promote the reform of financial marketization. Putting the focus of economic development on the real economy does not mean that finance can be dispensed with, or that finance is in a completely subordinate position. The development of China’s socialist market economy in the past 40 years is to liberate the role of finance as a cashier in the planned economy era and give full play to the dynamic role of finance in promoting the transformation of savings-investment and economic catch-up and development.

He said that the relative independence of finance is precisely the premise that finance can better serve the real economy, abandon the "traditional" thinking that finance is only a vassal and mirror image of the real economy, and accurately understand the dialectical relationship between economic and financial symbiosis and common prosperity. The development of finance does not necessarily lead to the hollowing out of the industry, and the strength of American science and technology is closely related to its developed financial system; High-level science and technology can’t stand on its own feet without the support of a modern financial system.

In Zhang Xiaojing’s view, promoting financial market-oriented reform, getting rid of implicit guarantee, illusion and ownership discrimination, and improving the decisive role of finance in risk pricing and risk allocation are the institutional guarantees for financial support for science and technology innovation.

Financial support for science and technology innovation must also understand the law of scientific and technological innovation, especially the basic law of transforming scientific and technological innovation into actual productivity. Experience shows that the influence of the adoption of new technology on productivity growth is underestimated at the beginning and not overestimated at the end, which is generally in a "J curve" mode.

Talking about innovation failure and fault-tolerant mechanism, Zhang Xiaojing said that from the micro level, investment failure should be allowed, and state-owned enterprises should establish fault-tolerant mechanisms. To tolerate fluctuations and bubbles at the macro level, keeping the bottom line of risk does not mean zero tolerance for financial risks. The function of finance is realized in fluctuation, just as the function of price mechanism is that price is realized around value fluctuation. This means that supervision should be inclusive.

In addition, Zhang Xiaojing also talked about preventing technological development from succumbing to financial laws. Technological development is completely determined by market or financial laws, which may deviate from the social optimal goals, such as investing heavily in the research and development of late-stage therapeutic drugs, rather than the research and development of early-stage preventive drugs; AI technology is more oriented to replacing labor than empowering or assisting labor.

"Risk identification, risk pricing and risk allocation are the’ soft underbelly’ of China’s financial system, and the lack of modern financial thinking leads to improper evaluation of science and technology innovation (enterprise) is the’ soft underbelly’ in concept understanding." Zhang Xiaojing concluded that the solutionWe need an ideological enlightenment, leave risk pricing and risk allocation to the market, respect the laws of market economy, grasp the laws of scientific and technological innovation, establish fault-tolerant mechanisms and inclusive supervision, strengthen international cooperation and improve global scientific and technological governance.

　　Cctv newsThe Central Meteorological Observatory predicts that during the day today (17th), most of the rains in the south and south of China will subside. But from the night, heavy rainfall will strike again.

　　The Central Meteorological Observatory predicts that there will be moderate to heavy rain in Jiangnan, South China, the eastern part of Southwest China, Jianghan and the western part of Jianghuai from today (17th) night to 19th. Among them, there will be heavy rain in central and southern Hunan, northeastern and southern Jiangxi, western and southern Fujian, northern and southern coastal areas of Guangdong, and northwestern Guangxi. Strong convective weather such as short-term heavy rainfall and local thunderstorms and strong winds will also occur in some of the above areas. Recently, there have been frequent rains in Jiangnan and South China, and the meteorological department reminds people to pay attention to the latest warning information in time and pay attention to travel safety.

　　There are strong winds and dust in many places in the north today.

　　In the north, due to the influence of surface cyclone activities, some areas in central and eastern Inner Mongolia, northern and eastern Hebei, northern Beijing, eastern Tianjin, northern Shandong, central and western Liaoning, western Jilin, southern Heilongjiang and other places have sand or floating dust weather today, and there are sandstorms in central Inner Mongolia, so it is necessary to strengthen prevention.

　　Yellow warning issued by fog in Lu, Su and Yu.

　　In addition, foggy weather occurred in Shandong, Jiangsu, Anhui, Jiangxi, Hunan, Guizhou, Guangxi, Guangdong and other places this morning (17th), and some areas such as northern Jiangsu experienced extremely strong fog with visibility less than 50 meters. The Central Meteorological Observatory continued to issue a foggy yellow warning at 6 o’clock this morning.

　　There are strong winds and dust in many places in the north today.

　　In terms of weather, today (17th), due to the influence of surface cyclone activities, some areas in central and eastern Inner Mongolia, northern and eastern Hebei, northern Beijing, eastern Tianjin, northern Shandong, central and western Liaoning, western Jilin, southern Heilongjiang and other places have sandstorms, so it is necessary to strengthen prevention.

　　Yellow fog warning issued in Lu, Su, Yu and other places

　　Today (17th), Jiangxi, Jiangsu and other places suffered from foggy weather, which affected the traffic to varying degrees.

　　Issued a foggy orange warning, and 31 high-speed highways were affected.

　　At 5: 30 this morning (17th), Jiangxi Meteorological Observatory issued a foggy orange warning signal. Affected by the foggy weather, the traffic of 31 expressways in Jiangxi was affected, and a total of 173 toll stations were closed. In Anfu County, Jiangxi Province, the foggy weather caused the visibility of roads to be less than 100 meters, and the visibility of serious sections was less than 50 meters. In order to ensure driving safety, Anfu toll station of Daguang Expressway was closed at 2: 30 in the morning. At the Wan ‘an Interchange of Daguang Expressway, hundreds of cars lined up. High-speed traffic police divert passing vehicles.

　　Heavy fog affected Lianyungang Expressway, which was once completely closed.

　　At 1: 00 am today (17th), due to the foggy weather, all expressways in Lianyungang City, Jiangsu Province were closed. Lianyungang traffic police posted traffic information through WeChat, Weibo and traffic warning screens to remind drivers not to go to the expressway entrance. The police on duty divert and intercept vehicles that have been driving at high speed to ensure driving safety.

　　With the fog dispersed, at present, all expressways in Anfu County, Jiangxi Province and Lianyungang City, Jiangsu Province have all resumed traffic.

　　Rain and cooling weather in many places in northern Xinjiang

　　Affected by cold air, from the evening of yesterday (16th), many places in northern Xinjiang ushered in rainy and cool weather. At 8 o’clock this morning (17th), the highest temperature in Suxingtan Town of Kuitun Reclamation Area dropped from about 28℃ yesterday to about 18℃, and people changed short sleeves into long sleeves. The meteorological department predicts that from day to night, there will be moderate to heavy rain, local heavy rain, local floods and geological disasters in the eastern and southern parts of Yili Prefecture, eastern Bozhou and southern Tacheng Prefecture, and the risk of local floods in mountainous areas will increase, so it is necessary to strengthen prevention.

　　"to the sky kingdom" was a hit for a while, and Dilraba’s little fox Feng Jiu left a deep impression on the audience. One year later, Dilraba, who had only made her debut for five years, became one of the first-line actresses, playing the leading role in several major dramas. At present, she starred in the costume fantasy drama "Fire is like a Song", which is being broadcasted. The single-day webcast record continues to lead, and she herself has topped the artist’s new media index list for 16 consecutive days. For such a rapid rate of success, the consensus in the industry’s evaluation of Dilraba is that he is willing to endure hardships and be dedicated enough.

　　In the past four years, she has never rested and worked hard to do every job. During the filming of "A Song of Fire", Dilraba also worked extremely hard, and his eyes were injured when he slapped the play. At one time, he could only appear with half of his face, insisting that he did not fall behind in the filming progress. For Dilraba, he grew up with the characters in this work. If the glamour and persistence of "Feng Jiu" in Sansheng opened the audience’s goodwill for her, then the maturity and tenacity of "as strong as a song" is an important threshold for Dilraba to move from Hua Dan to a big woman.

　　Fire Like a Song focuses on the growth of rivers and lakes from the delicate perspective of women. In the play, the strong and independent inspirational female image infected the audience, and the cool and heroic martial arts drama was equally impressive. In an interview, Dilraba said that because there are a lot of dramas in each episode, it is necessary to constantly practice martial arts movements. "Lieruge mainly uses whips in the drama. When I first started practicing, I was not skilled. I hit my own eyes and could only shoot half of my face."

　　From a little girl who is surrounded by love to a chivalrous woman who gives her love voluntarily, every time she meets a turning point, such as a song, she has to go through a layer of transformation. The upgraded role setting makes the role gradually full and vivid, which also makes Reba experience no small challenge: "The most difficult performance should be every turning point, which is difficult to control, and some things have new growth. I think this process is very difficult." After all kinds of changes, Ruge’s character gradually became calm, and the bright spot of strong independence gradually became prominent. This kind of growth makes Reba feel wonderful: "I like the process of growing up like a song, that is, she will become stronger after encountering some things, and everyone can clearly see her growth. She wants others to love her, and she takes the initiative to give love and gain love. This process is particularly wonderful."

　　In fact, there are many similarities between Ruge and Reba’s personality. When the cast was first announced, many fans of the original book recognized Reba’s role as Lieruge. Producer Gao Chen also said that both of them are strong and persistent, and their roles and actors can communicate with each other. The filming period of "Fire Like a Song" coincided with Reba’s growth and transformation, and she was deeply impressed by the wind and rain with the characters: "I think the biggest change and breakthrough of this play is to grow up with her, which also allows me to quickly integrate into the plot."

　　Talking about the future development, Dilraba said that he is filming the movie Legend of the Sun and Moon with Shawn Dou, and then he will shoot the TV series Sleeping on the Pillow with Sansheng III. In addition, the movie "21 Carat" with Guo Jingfei will meet the audience soon.

　　Reporter Jin Liwei

In 2013, the Third Plenary Session of the 18th CPC Central Committee formally proposed "developing inclusive finance".

By 2023, the Implementation Opinions on Promoting High-quality Development in inclusive finance will be issued.

Inclusive finance was listed as one of the "five great articles" at the Central Financial Work Conference.

The financial industry has made vigorous efforts and actively explored.

Help serve rural revitalization, consolidate the achievements of poverty alleviation, and promote the coordinated development of regional economy and society.

Looking back on inclusive finance Road for ten years, where are the achievements?

What is the experience of "exploring the road by wading" in inclusive finance Reform Experimental Zone?

January 12, Ganzhou, Jiangxi,

"Create a new chapter in inclusive finance’s high-quality development-2024 inclusive finance High-quality Development Seminar"

This meeting will reveal the answer!

China Bank Insurance News will meet you in Ganzhou, be there or be square!

　　CCTV News:According to the website of the People’s Bank of China, the People’s Bank of China and China Banking and Insurance Regulatory Commission publicly solicited opinions on "Opinions on Financial Support for the Development of Housing Leasing Market (Draft for Comment)". Soliciting opinions, it is proposed to focus on supporting the development of specialized and large-scale housing leasing enterprises with self-sustaining properties. Financial support for housing leasing should adhere to the position that houses are used for living, not for speculation, and focus on supporting self-sustaining property-based housing leasing enterprises with independent legal person operation, clear business boundaries and real estate professional investment and management capabilities, so as to promote their large-scale and intensive operation and improve the supply capacity and operation level of long-term rental housing. Details are as follows:

Opinions on financial support for the development of housing rental market

(Draft for Comment)

　　In order to thoroughly implement the decision-making arrangements of the CPC Central Committee and the State Council, support the accelerated establishment of a housing system with multi-agent supply, multi-channel guarantee and simultaneous rent and purchase, cultivate and develop the housing rental market, and promote the stable and healthy development of the real estate market, according to the Opinions of the General Office of the State Council on Accelerating the Cultivation and Development of the Housing Rental Market (Guo Ban Fa)

　　[2016] No.39) and "Opinions of the General Office of the State Council on Accelerating the Development of Affordable Rental Housing" (Guo Ban Fa [2021] No.22), we now put forward the following opinions on financial support for the development of the housing rental market:

　　I. Basic Principles and Requirements

　　(1) Support the structural reform of the supply side of housing leasing. Financial support for housing leasing should focus on the key points and aim at the shortcomings, mainly in big cities, focusing on solving the housing problems of new citizens, young people and other groups, supporting all kinds of subjects to build and rebuild long-term rental housing, revitalizing existing housing, and effectively increasing the supply of affordable and commercial rental housing.

　　(two) focus on supporting the development of specialized and large-scale housing leasing enterprises with self-sustaining properties. Financial support for housing leasing should adhere to the positioning that houses are used for living, not for speculation, and focus on supporting self-sustaining property-based housing leasing enterprises that operate as independent legal persons, have clear business boundaries, and have real estate professional investment and management capabilities to promote their regulations.

　　Modular and intensive management to improve the supply capacity and operation level of long-term rental housing.

　　(3) Establish and improve the financial support system for housing leasing. Financial support for housing leasing should be based on market allocation, providing diversified, multi-level and full-cycle financial products and financial service systems for the investment, development, operation and management of leased housing, with complete market functions, balanced structure and orderly competition.

　　— — Financial institutions have a reasonable division of labor. Commercial finance should meet the reasonable financing needs of all kinds of rental housing subjects in accordance with the principles of legal compliance, controllable risks and sustainable business. Policy finance and development finance are limited to providing financing for the development, construction and operation of affordable rental housing on the premise of meeting the functional orientation and business scope.

　　— — Innovation norms of financial products. Housing lease credit products should have clear functions, reasonable term and interest rate pricing, perfect risk evaluation and post-loan management. Direct financing products should be simple and clear in structure, sound and effective in market restraint and operation mechanism, transparent in product pricing, and true and compliant in capital use.

　　— — Optimization of credit and capital market allocation. The credit market mainly meets the needs of various entities to develop and build rental housing, as well as the liquidity and daily operation of housing rental enterprises. The capital market focuses on the development of long-term financing tools for housing rental investment. The credit market and the capital market can be coordinated and reasonably connected according to the income and risk characteristics of different links of housing leasing.

　　Two, strengthen the innovation of housing rental credit products and service models

　　(four) to increase credit support for the development and construction of rental housing. Support commercial banks to issue development and construction loans to real estate development enterprises, industrial parks, rural collective economic organizations, enterprises and institutions and other entities to build or rebuild long-term rental housing.

　　Payment. The proportion of project capital for rental housing construction should not be less than 20% of the total investment of development projects, and the loan period is generally 3 years, and the longest is not more than 5 years. Commercial banks should establish a perfect loan approval mechanism and risk management mechanism for development and construction according to the cash flow of various entities and the risk characteristics of real estate development, so as to improve the efficiency and management level of loan approval.

　　(V) Innovative groups purchase rental housing credit products in bulk. For enterprises and qualified institutions to purchase idle houses in batches according to laws and regulations for dormitory-type affordable rental housing, and specialized large-scale housing leasing enterprises to purchase idle houses in batches according to laws and regulations for affordable rental housing or commercial rental housing for long-term operation, commercial banks are encouraged to issue rental housing group purchase loans on the premise that risks are controllable, businesses are sustainable and implicit debts of local governments are not added. Commercial housing and commercial housing purchased with loans should be houses with clear legal relationship and completed acceptance. During the loan period, the rental purpose of the house shall not be changed. Leased housing groups purchase loans for a maximum period of not more than 30 years, and the loan amount shall not exceed 80% of the appraised value of the property in principle.

　　(six) support the issuance of housing rental business loans. If a housing leasing enterprise manages long-term rental housing with its own property rights, the term of the housing leasing business loan shall not exceed 20 years, and the loan amount shall not exceed 80% of the assessed value of the property in principle, which can be used to replace the loan for early development and construction of the property. For the non-proprietary rental housing formed by the housing leasing enterprises in accordance with the law and in compliance with the transformation of industrial plants, commercial office buildings and villages in the city, the term of operating loans shall not exceed 5 years, and the loan amount shall not exceed 70% of the total rent receivable within the loan period in principle.

　　Commercial banks should carry out due diligence investigation on the legal compliance of the operation and management of leased housing, the rental level and occupancy rate of leased housing, and the professional ability, financial status and continuous prudent operation of housing leasing enterprises, and design the loan term, interest rate and repayment method reasonably in combination with the operation and risk characteristics of housing leasing enterprises.

　　Housing leasing enterprises should take rental income as the first source of repayment. If the housing leasing enterprise has clear other repayment sources, commercial banks can issue pledge and mortgage loans, but the legal risks of pledge and mortgage should be carefully evaluated to ensure the enforceability of pledge and mortgage. On the premise of compliance with laws and regulations, commercial banks are encouraged to issue credit loans according to the credit standing and operating conditions of housing leasing enterprises.

　　Explore the role of policy housing finance, support housing leasing enterprises to hold and operate affordable rental housing for a long time, and give priority to meeting the housing rental needs of eligible new citizens, young people and other groups.

　　(seven) innovative comprehensive financial services for housing leasing related enterprises. Encourage commercial banks to actively explore financial service models and financial products suitable for the needs of enterprises related to housing leasing, and provide comprehensive financial solutions such as account opening, settlement, consultation and cash management to housing leasing construction and operation enterprises, housing leasing brokerage institutions and housing leasing management service platforms.

　　Third, broaden the diversified investment and financing channels in the housing rental market

　　(eight) to enhance the ability of financial institutions to put in housing rental loans. Support commercial banks to issue financial bonds for housing leasing, and raise funds specifically to increase the investment of housing leasing development and construction loans and operating loans.

　　(9) Broaden bond financing channels for housing leasing enterprises. Support housing leasing enterprises

　　Industry issued debt financing instruments, corporate bonds, corporate bonds, earmarked for rental housing construction, purchase and operation. Encourage the optimization of bond issuance process, improve the issuance efficiency of housing lease bonds, and provide financing facilities for housing lease enterprises.

　　(10) CoveredBond for innovative housing lease. If the rental housing owned and operated by the housing leasing enterprise has a sustained and stable cash flow, the property mortgage can be used as a credit enhancement, and housing lease guarantee bonds can be issued. Housing lease guarantee bonds are included in the bond management framework.

　　(eleven) the steady development of real estate investment trust funds (REITs). Steadily promote the pilot work of real estate investment trust funds (REITs), and raise funds for housing leasing enterprises to hold and operate long-term rental housing under the premise of controlling risks. Support real estate investment trust funds (REITs) share trading circulation, promote long-term stable operation, and prevent short-term speculation. Give priority to supporting xiong’an new area, Hainan Free Trade Port, Shenzhen Socialism with Chinese characteristics Pilot Demonstration Zone and other key areas supported by national policies and big cities with net population inflow to carry out real estate investment trust funds (REITs) pilot projects, and provide financial support for enterprises that use all kinds of construction land (including collective construction land, idle land owned by enterprises and institutions, etc.) to build, hold and operate long-term rental housing according to laws and regulations.

　　(twelve) to guide all kinds of social funds to invest in the field of housing leasing in an orderly manner. Support financial institutions, asset management products and other market entities to standardize investment in financial products related to housing leasing. Encourage housing leasing enterprises and professional asset management institutions to hold and operate rental housing for a long time through real estate investment trusts (REITs). Support long-term funds such as insurance funds to invest in the housing rental market. Encourage housing leasing enterprises and finance.

　　Institutions use interest rate derivatives to hedge related interest rate risks.

　　Four, strengthen and improve the financial management of housing rental.

　　(thirteen) strict housing leasing financial business boundaries. Housing leasing financial business should be strictly positioned to support the development of housing leasing market and not provide financing for short-term speculation. Housing rental financial products and services should be clearly distinguished from those of non-rental housing. It is strictly forbidden to finance non-rental housing in the name of supporting housing rental, and it is strictly forbidden to use housing rental financial products for commercial real estate development in violation of regulations. Financial institutions should establish and improve relevant business systems, strengthen compliance review and evaluation, and ensure prudent and compliant business.

　　(fourteen) to strengthen the management of housing rental credit funds. Commercial banks and other institutions should strictly review housing lease credit and post-loan management, strengthen the investigation and tracking of borrowers, project attributes and the authenticity of loan purposes, ensure that loan funds are used for housing lease construction and operation in accordance with the agreed purposes, and effectively prevent risks such as misappropriation and cashing out of funds. If the lease property of the project or the use of the house is changed during the loan period, the loan shall be recovered in time.

　　(fifteen) standardize the innovation of direct financing products for housing leasing. The direct financing products of housing lease should have excellent quality of basic assets, simple structure, clear legal relationship, open and transparent information and legal compliance with the use of funds. Relevant acceptance departments should clarify the business model of housing leasing enterprises, the use of raised funds and other policies and audit requirements, improve information disclosure and post-supervision management, take effective measures to ensure that raised funds are used for related activities such as rental housing construction and operation, and shall not be diverted for other purposes.

　　(sixteen) to prevent financial risks of housing leasing. Commercial banks, etc. lease housing.

　　Institutions providing financing should establish and improve relevant systems, strengthen compliance review and evaluation, and ensure prudent and compliant business. Standardize the management of financing subjects, formulate clear access standards, and implement list management for non-personal objects. Limit the debt level of all kinds of housing leasing enterprises and real estate development enterprises holding leased housing to ensure that their asset-liability ratio remains in a moderate range. Strengthen the monitoring of the operation and management, financial status and the use of funds of housing leasing enterprises. If housing leasing enterprises violate the loan contract, they should promptly take effective measures such as accelerating liquidation and collecting loans in advance to resolve risks.

　　Housing leasing enterprises must complete the relevant filing work on the housing leasing management service platform established by the housing and urban-rural construction department before financing. For direct financing products of housing leasing, we should fully reveal the risks related to housing leasing business and real estate market, establish and improve the risk early warning and disposal mechanism, and protect the interests of investors.

　　(seventeen) the establishment of housing rental financial monitoring and evaluation system. The People’s Bank of China took the lead in establishing a special statistical system for housing leasing finance, strengthened the statistics, investigation and monitoring analysis of housing leasing financial products, and explored the establishment of a policy-oriented effect evaluation system for housing leasing special credit. Relevant departments should strengthen the sharing of information related to housing leasing and give full play to the joint efforts of supervision.

　　The Shanghai headquarters of the People’s Bank of China, branches, business management departments, city center branches of provincial capitals and sub-provincial city center branches are requested to forward this opinion to relevant institutions within their respective jurisdictions together with the Banking Insurance Regulatory Bureau of their respective provinces (autonomous regions and municipalities), and coordinate the implementation of this opinion.

Citizens read books in a 24-hour bookstore. Intern Peng Hua, reporter Yang Taoshe

　　In November 2014, Zall Bookstore launched a 24-hour business mechanism of "culture does not close", waiting for people to read books every cold or hot night. At that time, Zall was the first 24-hour bookstore in Wuhan. In recent years, the 24-hour bookstore in Wuhan has added Jiuqiu Library and Boshihui City Study, enriching the cultural nightlife in Wuhan.

　　24-hour bookstore is a night reader.

　　Provide a quiet place for reading

　　"There will be many interesting things happening at night." Luna is the manager of Jiuqiu Library, which is located in Dongsan Road, Fruit Lake, Wuchang District. It opened on January 25, 2016 and has been open since then.

　　On the 18th, she told reporters that the biggest feeling of working at night shift is to find that there are really many people who love learning. There used to be an old man who rode an old bicycle every night and went back around 6: 00 in the morning. He studied English here all night. There are often some students from Wu Da University here, and he will ask them for advice. A girl from Wu Da University specially prepares study materials for this grandfather, and she will put them here the next day for the clerk to hand over to him.

　　On the 18th, a young girl was watching a video with headphones, and there was a book full of notes in front of her. The post-90s girl who was preparing for the exam as a certified public accountant usually came over after work and talked about her views on this 24-hour bookstore. The girl said, "People who stay up late need this kind of store very much."

　　Unattended libraries can "brush their faces" to borrow books

　　On July 12th this year, the 24-hour city study room on the first floor of Boshihui International Plaza in Jiang ‘an District opened to welcome guests, which is located near Sanyang Road subway station. There is no librarian in the museum, and citizens can enter the museum at any time, "brush their faces", and apply for certificates and borrow books by themselves. This is the first unattended intelligent library in Wuhan. Since opening up, it has become a popular punching point for citizens.

　　On the 18th, the reporter visited this intelligent library. At about 9 pm that day, a floor-to-ceiling transparent glass study room on the left side of the lobby on the first floor of the building was lit with yellowish light. There is a face recognition access control system at the door. When you enter the library for the first time, you need to swipe your ID card. There is a self-service borrowing and returning card machine in the tube, which can handle the reader’s ID card and complete face registration and WeChat binding. Later, you can enter the library without a card, and you can "brush your face" to borrow and return books by yourself.

　　Ms. Mei, who passed by here at night, picked out five books, put them in the sensing place, and the machine began to recognize faces. In less than 10 seconds, the screen showed that five books were successfully borrowed at the same time. The mobile phone also received a message from WeChat prompting the successful borrowing. "Very convenient." Ms. Mei said that after the library opened, she would come here every other week or so, and if she had time, she would read here for a while.

　　24-hour bookstore enriches the function of city night

　　In recent years, wuhan nightlife has become increasingly diversified. In addition to consumption and entertainment at night, the opening of 24-hour bookstores and other cultural places has provided people with new choices and enriched the city’s night functions.

　　At about 10 pm on the 17th, Mr. Deng, who lives near Zall Bookstore, wanted to go to the movies, but when he passed by the bookstore, he saw the lights on in the store and chose to go into the bookstore. "Watching movies is more of a social need. It will be better to go with friends, and it will be more enjoyable to read when you are alone." In 2013, Zall Bookstore opened in Wuhan and noticed that many readers had no time during the day and could only come at night. In 2014, Zall Bookstore started the 24-hour business mechanism of "culture does not close" and became the first 24-hour bookstore in Wuhan.

　　On the 17th, when talking about the original intention of Zall Bookstore’s 24-hour opening, Ms. Gao, the manager, told the reporter that the 24-hour bookstore provided a choice and place for those who only had time to quiet down and study at night. 24-hour bookstore will not bring much benefit, but it is a functional existence, and there will always be people who need it, which is a useful supplement to the cultural construction of the city.

　　Feng Guilin, a researcher at Hubei Academy of Social Sciences, believes that the more convenient the cultural facilities are for the public, the more diverse the forms and contents, and the more diverse the needs of various groups. This is not only a promotion for a city’s function, but also a guide, which can better improve citizens’ civilization quality.

　　Trainee reporter Li Huizi