General Administration of Financial Supervision: The financial industry is duty-bound to strongly support real estate.

  General Administration of Financial Supervision: The financial industry is duty-bound to strongly support real estate.

  "The General Administration of Financial Supervision will comprehensively strengthen financial supervision, prevent and resolve financial risks, fully hold the bottom line of no systemic risks, and do a good job in the’ five big articles’ on technology and finance, green finance, inclusive finance, pension finance and digital finance, so as to provide strong financial support for high-quality economic and social development and the realization of Chinese modernization and the great rejuvenation of the Chinese nation." On January 25, Xiao Yuanqi, deputy director of the General Administration of Financial Supervision, said at the press conference on the theme of "High-quality economic and social development of financial services" of the State Council Office.

  Also present at the above conference were Li Mingxiao, spokesperson of the General Administration of Financial Supervision and Director of Policy Research Department; Liu Zhiqing, spokesperson of the General Administration of Financial Supervision and Director of Statistics and Risk Monitoring Department; Guo Wuping, Director of inclusive finance Department of the General Administration of Financial Supervision and Yin Jiangao, Director of Property Insurance Supervision Department of the General Administration of Financial Supervision.

  Liu Zhiqing said that in recent years, the credit structure of the banking industry in China has been continuously optimized, and financial support for the real economy has become more precise and powerful. Financial resources have been more used in key areas and weak links of the national economy such as scientific and technological innovation, advanced manufacturing, green development, universal benefits, infrastructure, etc. We will continue to guide and support banking institutions to increase credit supply, optimize credit structure, focus on "five major articles", focus on unblocking the channels for funds to enter the real economy, and improve the efficiency of capital use, so as to "live water" with finance.

  Last year, the net profit of commercial banks increased by 3.24%.

  Regarding the operation of the banking and insurance industry in 2023, Liu Zhiqing said that the total assets and major businesses of the banking and insurance industry grew steadily. By the end of 2023, the total assets of banking financial institutions were 417.3 trillion yuan, a year-on-year increase of 9.9%, and RMB loans increased by 22.75 trillion yuan, an increase of 1.31 trillion yuan. Total liabilities amounted to 383.1 trillion yuan, up 10.1% year-on-year, and RMB deposits increased by 25.74 trillion yuan, down 510.1 billion yuan year-on-year.

  According to preliminary statistics, the net profit of commercial banks in 2023 was 2.38 trillion yuan, a year-on-year increase of 3.24%. In contrast, in the first three quarters of 2023, commercial banks achieved a net profit of 1.9 trillion yuan, a year-on-year increase of 1.6%.

  The quality of banking assets remained stable. According to preliminary statistics, by the end of 2023, the balance of non-performing loans of banking financial institutions was 3.95 trillion yuan, an increase of 149.5 billion yuan from the beginning of the year. The NPL ratio was 1.62% (1.65% at the end of the third quarter of 2023). The ratio of loans overdue for more than 90 days to non-performing loans in commercial banks is 84.2%, which remains at a low level. 3 trillion yuan of non-performing assets were disposed of in the whole year (since 2017, the cumulative disposal of non-performing assets of banks reached 18 trillion yuan), and the disposal efforts were maintained.

  The banking industry has sufficient risk compensation capacity. By the end of 2023, the balance of loan loss reserves of commercial banks had increased by 476.8 billion yuan, and the provision coverage ratio was 205.1%, which remained at a high level. The capital adequacy ratio is 15.1%, and the core tier 1 capital adequacy ratio is 10.5%. Among them, the capital adequacy ratio of large banks is 17.6%, and the core tier 1 capital adequacy ratio is 11.7%.

  "In 2024, the banking industry is expected to maintain a steady development momentum, with more reasonable institutional and functional layout and further optimization of financial resource allocation. In the past three years, the average growth rate of total assets of the insurance industry reached 8.7%, maintaining a good development trend. The insurance industry has great potential for future development, and its ability to serve the overall social and economic situation will continue to increase, and the functions of economic shock absorbers and social stabilizers will be more effectively exerted. " Liu Zhiqing said.

  A series of real estate policies have shown results.

  At the press conference, the General Administration of Financial Supervision also introduced the real estate market and small and medium-sized financial institutions that are highly concerned by the market.

  Xiao Yuanqi said that the real estate industry has a long chain and a wide range, which has an important impact on the national economy and is closely related to the lives of the broad masses of the people. The financial industry is duty-bound and must be strongly supported. It is also disclosed that in 2023, banking institutions issued 3 trillion yuan of development loans and 6.4 trillion yuan of housing mortgage loans respectively, which add up to nearly 10 trillion yuan. Up to now, the balances of development loans and personal housing loans are 12.3 trillion yuan and 38.3 trillion yuan respectively; By the end of 2023, the balance of bonds purchased by banks from real estate enterprises was 427.5 billion yuan; Providing M&A loans and stock extension loans to real estate enterprises add up to more than 1 trillion yuan.

  Xiao Yuanqi said that recently, the General Administration of Financial Supervision, together with relevant departments, has issued a series of measures to support the real estate market. "These policies and measures have played and are playing an active role in doing a good job in real estate financial services, stabilizing the reasonable financing demand of the real estate market and promoting the stable and healthy development of real estate."

  "In the near future, we will also focus on the following major tasks: First, we will accelerate the implementation of the coordination mechanism for urban real estate financing, and will hold relevant work deployment meetings, requiring banks to act as soon as possible and make good use of the policy toolbox because of the city’s policy; The second is to guide financial institutions to implement the management requirements of operating property loans; Third, continue to do a good job in personal housing loan financial services, support local city governments and housing construction departments, and further optimize personal housing loan policies such as down payment ratio and loan interest rate due to city policies; The fourth is to guide and require banks and other financial institutions to vigorously support the construction of’ three major projects’ such as the transformation of urban villages, and to form physical workload as soon as possible. " Xiao Yuanqi said.

  Regarding the risk situation of small and medium-sized financial institutions, Xiao Yuanqi said that from a nationwide perspective, the current small and medium-sized banks are operating steadily, their asset quality is stable, and their capital strength is significantly enhanced. The capital adequacy ratio, provision coverage ratio and asset quality of small and medium-sized banks are generally at a relatively good level, and these operating and regulatory indicators are at a reasonable and healthy level.

  Xiao Yuanqi said that the General Administration of Financial Supervision will work closely with local party committees, governments and relevant departments to do a good job in the reform and risk prevention and control of small and medium-sized banks, and constantly improve their management level: first, strengthen corporate governance; second, select top executives and key personnel; third, deepen reform through classified policies; fourth, urge small and medium-sized banks to focus on their main business; fifth, adhere to goal-oriented and problem-oriented, strive for progress while addressing both the symptoms and root causes, and comprehensively strengthen supervision and prevention.

  Do a good job of "five big articles"

  The Central Financial Work Conference pointed out that high-quality development is the primary task of building a socialist modern country in an all-round way, and finance should provide high-quality services for economic and social development, and it is required to do "five major articles" well. At the press conference, the General Administration of Financial Supervision made a detailed introduction on the "five big articles" and the next step plan.

  In technology and finance, Li Mingxiao disclosed that by the end of 2023, the loan balance of high-tech enterprises nationwide had increased by 20.2% year-on-year, of which medium and long-term loans and credit loans accounted for more than 40%. By the end of 2023, the loan balance of manufacturing industry increased by 17.1% year-on-year, of which the medium and long-term loan balance of manufacturing industry increased by 29.1% year-on-year.

  "Promote the improvement of the multi-level service system in technology and finance. Under the premise of risk control, we will steadily promote the construction of the pilot zone for science and technology innovation and financial reform with relevant departments, deepen the financial support measures for manufacturing, guide financial institutions to implement various policy requirements, and continuously enrich financial products and services. Continue to increase support for scientific and technological innovation and advanced manufacturing, help the development of new quality productive forces, and strive to provide strong financial support for accelerating the construction of a modern industrial system." For the next work plan, Li Mingxiao said.

  In terms of green finance, Li Mingxiao disclosed that by the end of 2023, the green credit balance of 21 major banks had reached 27.2 trillion yuan, a year-on-year increase of 31.7%. In inclusive finance, Guo Wuping said that by the end of 2023, the balance of inclusive finance loans in the banking industry was 29.06 trillion yuan, a year-on-year increase of 23.27%, which was 13.13 percentage points higher than the average growth rate of various loans; The average interest rate of new loans for inclusive small and micro enterprises was 4.78%, down 0.47 percentage points year-on-year. "This year, we will implement the requirements of inclusive finance’s big article, integrate loans from small and micro enterprises, agriculture-related entities and private enterprises, form a unified regulatory caliber for inclusive credit, and carry out assessment and data disclosure." Guo Wuping said.

  In terms of pension finance, Yin Jiangyao said that the General Administration of Financial Supervision will promote insurance institutions to give full play to the advantages of insurance protection and vigorously develop commercial insurance annuities. In terms of digital finance, Liu Zhiqing said that the General Administration of Financial Supervision will continue to promote the digital transformation of the banking and insurance industry, enhance the effectiveness of digital empowerment, enhance the industry’s risk prevention and control capabilities, strengthen network security and data security risk supervision, and standardize digital innovation.

  (Author: Li Yuan)

The Central Meteorological Observatory is very busy! It’s hot and rainy. Will it turn around next Monday?

       CCTV News:To say which department is the busiest recently, the Central Meteorological Observatory should count as one. For a while, the high temperature here continued to be dry, and for a while, there was hail in strong convective weather. The Central Meteorological Observatory had to forecast the weather to the public in time. It coincides with the summer vacation, and people with travel plans are more concerned about whether going out to play will be disturbed by the weather. Recently, the hot weather is obvious to all. Let’s see when this round of hot weather will be eased.

one

       Central Meteorological Observatory: A large area of high temperature weather appeared in central and eastern China on the 4th.

       Yesterday, there was a large area of high temperature weather in central and eastern China. Meteorological monitoring by the Central Meteorological Observatory showed that the temperature in Beijing, southern Hebei, south-central Shaanxi, western Henan, eastern Sichuan, Chongqing, western Hubei, northwestern Hunan, Zhejiang and Shanghai exceeded 37℃, while that in Chongqing and Shaanxi was 40 ~ 42℃.

       Wanzhou, Chongqing: 20 days without rain and 4 days of high temperature red warning.

       On the morning of the 4th, Wanzhou District of Chongqing issued a high-temperature red warning signal for the fourth consecutive day. The meteorological department reminded that there was no obvious precipitation in the local area for 20 days, which has reached the standard of high-temperature summer drought. All units should do a good job in heatstroke prevention and drought relief. According to the monitoring of Wanzhou Meteorological Observatory, the temperature in Wanzhou has rushed to 40 degrees Celsius for several days, and the local maximum temperature has reached 43.8 degrees Celsius. The sunny and hot weather makes Wanzhou citizens feel very tormented.

       Shaanxi: High temperature orange warning was issued for two consecutive days.

       On August 3rd and 4th, Shaanxi Meteorological Bureau issued high-temperature orange warning twice in a row, and started high-temperature three-level emergency response.

       According to the statistics of meteorological department, the highest temperature in 65 districts and counties in Shaanxi Province exceeded 35 degrees Celsius on August 3rd. Among them, the highest temperature in Xunyang County, Ankang City reached 42.6 degrees Celsius, and Shaanxi launched a high-temperature level III emergency response. According to the meteorological satellite land surface temperature monitoring, on the afternoon of August 3, the surface temperature in the north-central part of northern Shaanxi and most parts of Guanzhong was above 40 degrees Celsius, with the surface temperature in the areas under the jurisdiction of Xi ‘an, Baoji, Xianyang, Weinan and Hanzhong exceeding 50 degrees Celsius.

       Central Meteorological Observatory: On the 5th, it continued to issue a yellow warning of high temperature.

       The Central Meteorological Observatory continued to issue a yellow warning of high temperature. During the day on the 5th, there was high temperature above 35℃ in eastern southern Xinjiang, southeastern part of northwest China, eastern North China, central and western Huanghuai, most of Jianghuai, Jianghan, Jiangnan and northern South China. Among them, the highest temperature in some areas of southwestern Shaanxi, northwestern Henan, southern and northwestern Hubei, most of Chongqing, western and southeastern Jiangnan can reach 37 ~ 39℃, and the local temperature can exceed 40℃.

       Central Meteorological Observatory: High temperature yellow warning Huanghuai Jiangnan high temperature continues

       Today, the hot weather in the southeastern part of the northwest, Huanghuai, Jianghuai and most parts of the south of the Yangtze River will continue, and the Central Meteorological Observatory will continue to issue a yellow warning of high temperature.

       In the southeast of northwest China, Huanghuai, Jianghuai, and most parts of the south of the Yangtze River, the high temperature weather continues today, and the Central Meteorological Observatory continues to issue a yellow warning of high temperature. It is estimated that the highest temperature in some areas of southwestern Shaanxi, northwestern Henan, southern and northwestern Hubei, most of Chongqing, western and southeastern Jiangnan can reach 37-39 C, and the local temperature can exceed 40 C, reminding people to take measures to prevent heatstroke and cool down.

       Next week, the cold air will go south and the high temperature will ease.

       It is expected that the high temperature range will expand tomorrow, with the highest temperature above 35℃ in a large area from the south of Shaanxi, the south of North China, the south of Huanghuai West to the north of South China. However, from next Monday, due to the combined influence of cold air and rain, the high temperature weather in the above areas will gradually ease.

       Central Meteorological Observatory: Heavy rainfall occurred in Shandong, Liaoning and other places yesterday

       On the 4th, heavy rain occurred in eastern Liaoning, Shandong Peninsula and parts of eastern Sichuan, northern Chongqing, western Yunnan, western Guangxi and northern Hainan, and heavy rain fell in eastern Liaoning and Shandong Peninsula, and a heavy rain of 250-342 mm fell in Dandong, Liaoning.

one

       Central Meteorological Observatory: There will be strong precipitation in Jianghan, the eastern part of northwest China.

       According to the latest weather released by the Central Meteorological Observatory this morning, due to the influence of high-altitude trough and low-level shear, there will be an obvious precipitation process from west to east in the eastern part of northwest China to Jianghan, Huanghuai and Jianghuai areas from night to 7, with moderate to heavy rain as the precipitation intensity, with heavy rain in some areas.

       In the next 24 hours, there will be moderate to heavy rain in parts of Jilin, eastern Liaoning, eastern North China, northern and eastern Shandong, southern Gansu, eastern and southern Southwest China, southwestern Jianghuai, northern Jiangnan and southwestern South China, with local heavy rain; Some of the above areas have short-term heavy precipitation, accompanied by strong convective weather such as thunderstorms and strong winds.

       Central Meteorological Observatory: Heavy rainfall is scattered, and rainfall in Northeast China is weakened.

       According to the Central Meteorological Observatory, from day to night, there is obvious rainfall in the northeast, north China, southwest China and the middle and lower reaches of the Yangtze River, mainly small to moderate rain, and the distribution of heavy rain is relatively scattered.

       Recently, affected by typhoon residual circulation and cold air, North China, Northeast China and other places have experienced heavy rainfall. According to meteorological monitoring, the rain weakened in most areas yesterday, but there were still heavy rains in eastern Liaoning and Shandong Peninsula, among which heavy rains fell in Dandong, Liaoning.

one

       The Central Meteorological Observatory predicts that the rainfall in Northeast China will be further weakened today. Although there is a wide range of rainfall in the country, the distribution of heavy rainfall is scattered. Among them, Jilin, eastern Liaoning, eastern North China, northern and eastern Shandong, southern Gansu, Yunnan and the middle and lower reaches of the Yangtze River have moderate to heavy rains and local heavy rains. Some of the above areas have short-term heavy precipitation, accompanied by strong convective weather such as thunderstorms and strong winds, reminding people to pay attention to rain and lightning protection during weekend trips.

       Tomorrow, the heavy rainfall will be transferred to Qinghai, Gansu and other places, among which there is heavy rain in the eastern part of Gansu, so it is necessary to guard against geological disasters that may be caused by rainfall.

one

       Guide to severe convective weather prevention:

       1. The government and relevant departments shall, in accordance with their duties, do a good job in emergency defense against short-term rainstorm, lightning protection and strong wind, and the meteorological department shall prepare for artificial hail suppression and conduct operations at the right time;

       2. The driver should slow down when passing through the waterlogged section to confirm the safety before passing, and the traffic control department should take traffic control measures and traffic guidance in the heavy rainfall section and waterlogged section according to the road conditions;

       3. Outdoor personnel should reduce or suspend outdoor work in open places, choose to enter buildings with strong wind resistance and lightning protection measures, and close doors and windows away from dangerous power sources;

       4. Airports, railways, highways and water transportation units should take measures such as flight restriction, speed limit or temporary closure to ensure personnel and traffic safety. Water operations and passing ships in relevant waters should return to Hong Kong to evade and strengthen port facilities;

       5. Check the drainage systems of cities, farmland and fish ponds, and make necessary drainage measures and prepare for disasters such as mountain torrents, landslides and mudslides.

Exercise is very important. Do you know which kind of exercise suits you best?

After getting old, you also need to maintain a reasonable weight. In addition to "keeping your mouth shut", you should also "open your legs". In sports, the elderly are recommended to do four kinds of sports, namely, mild to moderate endurance exercise, stretching exercise, muscle strength strengthening exercise and balance training.

Because of the particularity of the elderly’s own physiological characteristics, the selected sports should be low-load, low-antagonism, soothing and quiet. You can choose stretching, relaxation, calisthenics, aerobic exercise and strength exercise according to your specific situation, taking into account aerobic, muscle strength, joint flexibility and balance ability. The exercise form should be simple, gentle, relaxed and happy.

Sports suitable for most elderly people are:

01

Durability project

Walking, jogging, swimming, indoor cycling, etc., improve the cardiovascular system and respiratory system functions.

02

Power project

Leg lifting, standing on one foot, squatting, strength ball, hanging, light equipment lifting weights (dumbbells), etc., to enhance muscle strength and prevent joint injury.

03

Flexibility project

Tai Ji Chuan, aerobics, dance for the elderly, etc., to improve coordination and delay joint aging.

04

Balance training

Standing on one leg, eye tracking, etc.

How to evaluate whether the intensity of exercise is appropriate?

Proper exercise

Moderate sweating, slightly tired, slightly comfortable after exercise, pulse recovered in about 10 minutes, good food and sleep, full of energy the next day.

Excessive exercise

Sweating a lot, palpitation, shortness of breath, extreme fatigue after exercise, poor food and sleep, pulse can not be recovered within about 15 minutes, fatigue all over the next day, lack of interest in sports.

Insufficient exercise

There is no sweat and fatigue during exercise, and the pulse change is not obvious. After exercise, it will return to a quiet heart rate within 3 minutes.

Source: Health Consultation.

Source: National Healthy Lifestyle Action

Today’s football recommendation analysis score forecast Bologna VS Lazio La Palmas VS Atletico Madrid

In the 11th round of Italian first-class football league, Bologna played against Lazio at home. Bologna’s scoring efficiency is good this season, but there are many draws. In the last round, Sassuolo was tied, and all the away games were tied this season. Bologna has been unbeaten in the last 9 games, with 3 wins and 6 draws, and all three victories were won at home. Lazio beat Fiorentina 1-0 in the league on Tuesday morning, and Inmobile scored a 90-minute penalty to help the Biancocelesti score all three points. At present, Lazio has won three consecutive victories in the league, while 2 wins and 3 losses in the away game, and defeated Sassuolo as a guest to end the two-game losing streak in the away game. This season, the Biancocelesti’s attack is average, with only 13 goals scored in 10 rounds and 12 goals conceded.

Lazio won 1 win and 1 draw against Bologna last season and remained unbeaten. However, in four consecutive seasons, Lazio only scored 2 draws and 2 losses without winning, and even failed to score in the last three games. The data of this game is insufficient for Lazio’s support. After all, as a traditional strong team in the league, the tie is not easy to overestimate when its reputation and status are dominant.

Therefore, the home team, Boluo, is always in Asia, and it is expected that the match will be more exciting than the match 1 midfielder. The right pair is in charge. The performance in the field is stable and has the strength advantage, while Lazio needs to show better performance in the away game to continue its unbeaten record.

Las palmas beat Manakol 3-0 in the last round and won two consecutive victories, in good shape. The team has a strong offensive ability, scoring only 9 goals in the past 5 rounds, but the defensive quality has improved, losing 4 goals in the past 5 rounds. This season, it has achieved 4 wins, 2 draws and 5 losses, ranking 10th in the league. Sandro ramirez, Fabio Gonzá lez and others were plagued by injuries or missed the game. It must be difficult for this field to face the former bitter Atletico Madrid.

Atletico Madrid beat Aravis 2-1 in the last round, and the team’s morale is like a rainbow. So far this season, it has achieved 8 wins, 1 draw and 1 loss, and its performance is excellent, ranking third in the league. In the last five rounds, he scored a total of 12 goals, averaging 2.4 goals per game. The quality of the team’s defense is very high, and he lost 6 goals in the past five rounds. French striker Gleizman scored 7 goals, and Morata scored 6 goals, which was the main scorer of the team. At present, Victor vitolo, Depe, Mandawa, etc. in the team are plagued by injuries or absent from the game. Atletico’s players can always adapt to different competition environments and play well. Their tactical flexibility and adaptability enable them to always have an advantage in away games.

To sum up, I think Atletico Madrid will win on the road. Although we know that the away game is full of challenges, Atletico’s strength, experience and tactical flexibility all indicate that they will win this victory. I believe they will show their advantages in the competition and finally win.