Halfway through the Spring Festival holiday, the number of people in Hangzhou Airport Railway Station is increasing: some people return to Hangzhou at the wrong peak, while others go on family trips.

Qianjiang evening news Hour News Trainee Reporter Ma Qinglong
On the fourth day of the Lunar New Year, halfway through the Spring Festival holiday, the airports and major stations in Hangzhou gradually became lively. Many people have started the family tour mode, and some people have already set foot on the way back.
Today (January 25th), qianjiang evening news Hour reporter visited Xiaoshan International Airport and Hangzhou East Railway Station to see the passenger flow.
1] East Railway Station:
People who arrive at the ground floor lobby can pass smoothly.The "family tour" from other places to Hangzhou has become the main force.
At about 1 pm, at the arrival floor of East Railway Station, a train from the south of Beijing arrived at the station. The arrival hall is directly connected to the entrances and exits of metro lines 1, 4, 6 and 19, which is convenient to take. Most passengers choose to leave the station from the subway. Ms. Chang’s family of three set off from Nanjing South Station where the train stopped and arrived in Hangzhou.
"Do I have to get off at West Lake Cultural Square Station to go to West Lake?"
"No, but you can get off at that station, take Line 1, and then sit on Fengqi Road."
As soon as she got off the bus, Ms. Chang asked the subway staff about the transfer method to the West Lake Scenic Area. "It’s my first time to bring my children to Hangzhou and travel during the Chinese New Year holiday. Today’s high-speed rail tickets are easy to buy, and there will be more people starting tomorrow and the day after tomorrow. Many trains have to be robbed. "
There are many tourists who travel with their children like Ms. Chang at the East Railway Station.
Judging from the reporter’s visit and observation, the traffic flow at the arrival hall of the East Railway Station today is generally small, and it is smooth to walk after leaving the station. Most of the people returning to Hangzhou here are tourists and relatives, and most of them travel as families, and there are relatively few migrant workers returning to Hangzhou.
2] Xiaoshan International Airport:
The return peak ticket is expensive,Someone ended the trip early.
On the arrival floor of Xiaoshan International Airport, the reporter visited several passengers who had just arrived in Hangzhou. Some are office workers who come back on duty, and some are foreign tourists who travel.
Why did you choose to come to Hangzhou on the fourth day of the year? Their answers are almost the same: for the wrong peak.
"The peak air ticket is much more expensive. I can save some money when I come back today. I went to Yunnan to play with my girlfriend and had a good time." Mr. Li has just landed, still holding a bunch of flowers bought from Kunming Flower Market.
Ms. Chen will start to go back to work in the company tomorrow, and her mood is somewhat complicated when she ends her holiday ahead of schedule. "I also want to take a few more days off, but it’s better to come back early. Starting tomorrow, the air ticket will be much more expensive. I don’t know if everyone wants to go out to play this year and raise the ticket price? "
The reporter then inquired about the real-time prices of two popular tourist cities, Sanya and Dali, on ticketing platforms such as Ctrip. The lowest air tickets for the two places to fly to Hangzhou at the peak node of the return trip the day after tomorrow (January 27th) are 2049 yuan and 2993 yuan respectively, which are 400 ~ 1000 yuan higher than today’s air tickets.
After the adjustment of epidemic prevention and control policies, the number of people traveling nationwide during the Spring Festival holiday this year has increased significantly compared with last year. According to the data released by the press conference in the State Council on January 6th, the total number of passengers in Spring Festival travel rush this year is about 2.095 billion, an increase of 99.5% over the same period of last year, returning to 70.3% in the same period of 2019.
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The State Financial Supervision and Administration Bureau answered a reporter’s question on the Measures for the Administration of Consumer Finance Companies (Draft for Comment)

CCTV News:According to the website of the State Financial Supervision Administration, in order to thoroughly implement the spirit of the Central Financial Work Conference, further strengthen the supervision of consumer finance companies, prevent financial risks, optimize financial services, and promote the high-quality development of the industry, the General Financial Supervision Administration revised and formed the Administrative Measures for Consumer Finance Companies (Draft for Comment) (hereinafter referred to as the Draft for Comment). The heads of relevant departments of the General Administration of Financial Supervision answered the reporter’s questions on relevant issues.

1. What is the revision background of the Draft for Comment?

The Measures for the Pilot Management of Consumer Finance Companies (Order No.2 of China Banking Regulatory Commission in 2013) has played an important role in guiding consumer finance companies to adhere to the functional orientation of professional consumer credit and promoting the basic role of consumption in the economy. After years of development, the business model and risk characteristics of consumer finance companies have changed significantly, and the existing methods can no longer meet the high-quality development and regulatory needs of consumer finance companies. At the same time, in recent years, the General Administration of Financial Supervision has issued a series of regulatory systems and regulations on corporate governance, equity management, consumer rights protection, etc. The Draft for Comment further supplements and improves the relevant contents in combination with the actual situation of consumer finance companies, and strengthens the connection with the current regulatory regulations.

2. What are the main revised contents of the Draft for Comment?

The Draft for Comment consists of 10 chapters and 79 articles. The revised contents mainly involve optimizing access policies, highlighting business classification supervision, strengthening corporate governance, strengthening risk management, paying attention to the protection of consumers’ rights and interests, standardizing the management of cooperative institutions, and improving the market exit mechanism.

The first is to improve access standards. Improve the index standards such as assets and operating income of major investors, as well as the minimum shareholding ratio requirements, and promote shareholders to actively play a supporting role and earnestly assume shareholder responsibilities; Increase the shareholding ratio of investors with experience in consumer finance business management and risk control, and give full play to the compliance and risk control role of such investors; Improve the minimum registered capital requirements of consumer finance companies and enhance their ability to resist risks. The second is to strengthen the supervision of business classification. Distinguish between basic business and special business scope, cancel non-main business and non-essential business, and strictly supervise business at different levels. Appropriately broaden financing channels and enhance shareholders’ liquidity support ability. The third is to strengthen corporate governance supervision. Fully implement the regulatory regulations and system requirements on corporate governance, shareholders’ equity, related party transactions and information disclosure issued by the General Administration of Financial Supervision in recent years, and clarify the regulatory requirements on party building, "three meetings and one layer", shareholders’ obligations, salary management, related party transactions and information disclosure in combination with the characteristics of consumer finance companies’ organizational form and equity structure. The fourth is to strengthen risk management. Clarify the regulatory requirements on credit risk, liquidity risk, operational risk, information technology risk and reputation risk management of consumer finance companies, optimize and add some regulatory indicators, and improve the market exit mechanism. The fifth is to strengthen the protection of consumer rights. We will tighten the main responsibility of consumer finance companies in consumer protection, improve the mechanisms of consumer protection work, strengthen the standardized management of cooperative institutions, and practice the political and people-oriented nature of finance.

3. Why does the Exposure Draft raise the minimum shareholding ratio of major investors of consumer finance companies?

The "Draft for Comment" will increase the shareholding ratio of major investors of consumer finance companies from not less than 30% to not less than 50%. The main considerations are as follows: First, from the perspective of regulatory practice in recent years, increasing the shareholding ratio of major investors is conducive to compacting shareholders’ responsibilities, enhancing shareholders’ willingness to participate in the company’s operations, giving full play to shareholders’ resource advantages and promoting shareholders’ active support. Second, it is conducive to improving decision-making efficiency and avoiding the problem of corporate governance failure and imbalance due to the relative dispersion of equity.

4. What adjustments have been made to the business scope of consumer finance companies in the Draft for Comment?

The "Draft for Comment" has optimized and adjusted the business scope of consumer finance companies and paid more attention to the main business. On the one hand, distinguish between basic business and special business. Seven businesses, such as issuing personal consumption loans and issuing non-capital bonds, will be included in the basic business, and four businesses, such as asset securitization business, fixed income securities investment business and consulting services related to consumer finance, will be included in the special business. On the other hand, cancel non-main business and non-essential business. In view of the high professionalism of insurance sales and the many related complaints and disputes involved, consumer finance companies basically did not carry out such business, so the business of "selling insurance products related to consumer loans as agents" was cancelled.

V. What new regulatory indicators have been added to the Draft for Comment?

Based on the demand of risk prevention and control, consumer finance companies cooperate with financing guarantee companies, insurance companies and other institutions as a means of risk mitigation of loans. However, some consumer finance companies have relied too much on this model for a long time, relaxed the substantive examination of the borrower’s credit qualification level, lacked the ability of independent risk control, and also faced the risk that the guarantee company could not compensate. In addition to paying the loan interest, the borrower also needs to pay the guarantee fee, which indirectly pushes up the comprehensive interest rate of the loan. The "Draft for Comment" stipulates that the balance of guarantee and credit enhancement business of consumer finance companies shall not exceed 50% of the total loan balance of the company, and a certain rectification transition period shall be given in the follow-up. In addition, the leverage ratio of consumer finance companies is required to be no less than 4% to limit blind expansion.

6. What considerations does the Exposure Draft have in protecting financial consumers?

Consumer finance companies mainly serve long-tail customers such as low-and middle-income customers. Two special chapters of "Consumer Rights Protection" and "Cooperative Organization Management" have been added to the Draft for Comment, which further highlights the protection of consumer rights. On the one hand, the main responsibility of consumer finance companies is compacted. It is required to incorporate the protection of consumer rights into corporate governance, establish and improve the working mechanism of consumer protection, set up consumer rights protection committees, improve the information disclosure mechanism and personal information protection system of consumer protection, and strengthen the appropriate management of consumers. On the other hand, strengthen the constraint management of cooperative institutions. Require consumer finance companies to strengthen the access management and concentration management of cooperative institutions, conduct continuous management and evaluation of cooperative institutions, clarify the prohibitive provisions of cooperative institutions, and avoid violations of consumers’ legitimate rights and interests due to irregular collection by cooperative institutions, especially collection agencies; Consumer finance companies are required to implement the main responsibility of collection management, formulate the performance appraisal and reward and punishment mechanism of collection agencies, carry out entrusted collection according to laws and regulations, and effectively protect the legitimate rights and interests of financial consumers.

Raising interest rates is slower but the interest rate will be higher! The Federal Reserve raised interest rates by 50 basis points, and raised the peak interest rate expectation to more than 5%.

After four consecutive ultra-aggressive interest rate hikes, the Federal Reserve began to slow down the pace of interest rate hikes as expected by the market, and at the same time raised the expected level of peak interest rates. It is expected that the highest level of interest rates will exceed 5% after interest rate hikes, suggesting that interest rates will continue to rise in the coming months.

On Wednesday, December 14th, US Eastern Time, the FOMC of the Federal Reserve announced after the meeting that it would raise the target range of the policy interest rate federal funds rate from 3.75% to 4.00% to 4.20% to 4.50%, with a rate increase of 50 basis points. Like the previous three meetings in July, September and November, this interest rate increase decision was unanimously approved by FOMC voting members.

This is the first time that the Fed has slowed down the rate hike since it started the current rate hike cycle in March this year, and it is also the first time that the Fed has raised interest rates by 50 basis points since the beginning of May. Before this week’s meeting, from June to November, the Federal Reserve decided to raise interest rates by 75 basis points for four consecutive meetings, maintaining the largest single rate hike since November 1994.

The Fed’s rate hike this time is in line with market expectations.Meeting minutesIt shows that at the monetary policy meeting in early November, most Fed officials attending the meeting thought that it might soon be suitable to slow down the interest rate hike. In the last public statement during the silent period before this week’s meeting,Federal Reserve Chairman Powell reiteratedAfter the November meeting, the interest rate hike will be slowed down as early as December. The day before the Federal Reserve announced this interest rate decision, it was announced on Tuesday.November US CPIFor the second month in a row, the growth slowed down more than expected, which strengthened the market’s expectation that the Federal Reserve will start to slow down interest rate hikes this month.
The bitmap of the expected future interest rate level of Fed officials announced after this meeting shows that compared withThe last bitmap released in September this yearThis time, the annual interest rate expected by the Fed policymakers is higher than that expected in September, indicating that the degree of austerity next year will exceed the Fed’s previous expectations.

Of the 19 officials who provided expectations,Only two people expected this time.2023, that is,The policy interest rate will be below 5.0% next year.,A total of 17 officials, accounting for more than 89%, expect.Next year’s policy interest rateWill exceed 5.0%. Among them, ten people expect the interest rate to be between 5.0% and 5.25% next year, five people expect the interest rate to be between 5.25% and 5.50%, and two people expect the interest rate to be between 5.50% and 5.75%. butLast time, no official predicted that the interest rate would exceed 5.0% next year.

This time, there are 14 officials, accounting for nearly 74%.In 2024, that is,The policy interest rate in the following year will be higher than 4.0%.Among them, seven people expect the interest rate to exceed 4.50% and the other seven expect the interest rate to be between 4.0% and 4.25%. Seven people expect the annual interest rate to be between 3.75% and 4.0%, and two people expect the interest rate to be lower than 3.50%.There were only six people last time.Officials who account for more than 31% predict that the policy interest rate will beMore than 4.0%All 13 officials expect the interest rate to be lower than 4.0%.

with regard toIn 2025Policy ofinterest rateLevel, this timeestimateAlso at that timeThere are four people above 3.75%, three more than last time.One of them expects the interest rate to exceed 5.5%, two expect the interest rate to be between 4.0% and 4.5%, and one expects the interest rate to be between 3.7% and 4.0%. This time, it is estimated that there are seven people whose annual interest rate is lower than 3.0% in 2025, and there are ten people who expected it last time.

The updated economic outlook released after this meeting shows that Fed officials continue to raise interest rate expectations in 2023, that is, next year and 2024.The median value of the highest interest rate in the three years is expected to exceed 5%.The Fed also raised the expected interest rate level in 2025, showing that the median interest rate will far exceed the Fed’s inflation target by 2%, more than 100 basis points higher than the target.

The expected peak interest rate announced by the Federal Reserve is basically in line with Wall Street’s expectations. Earlier this WednesdayWall Street knowledgeIt is mentioned that most analysts believe that the Fed will keep the policy interest rate at around 5.1% next year. Morgan Stanley predicts that the Federal Reserve will raise interest rates by 50 basis points early next year, and the interest rate will stabilize at 4.75-5.00% for the rest of next year, which is in line with the pricing in the money market. Barclays predicts that the Fed will raise interest rates by another 50 basis points in early next year and 25 basis points in March, and then suspend interest rate hikes, keeping interest rates at the peak of 5.0-5.25% until the end of the year.

In this economic outlook, the median values predicted by the Federal Reserve are:

  • The federal funds rate in 2022 remains unchanged, which is the same as the expected value announced in September, both of which are 4.4%.
  • The federal funds rate in 2023 is 5.1%, which is 50 basis points higher than the expected value of 4.6% announced in September.
  • The federal funds rate in 2024 is 4.1%, which is 20 basis points higher than the expected 3.9% in September.
  • The expected value of the federal funds rate in 2025 is 3.1%, which is 20 basis points higher than the expected 2.9% in September.

The economic outlook also shows that, unlike the last September outlook, the Fed did not continue to significantly reduce its GDP growth forecast this year, but slightly raised it. However, the Fed has continued to cut its growth forecast for the next two years, with the expected growth rate for next year less than half that expected in September.

At the same time, the Federal Reserve lowered its unemployment rate forecast for this year, and the unemployment rate forecast for the three years from next year to 2025 will be raised, and the personal consumption price index (PCE) inflation forecast for the four years from this year to 2025 and the core PCE inflation forecast for this year to the next year will also be raised. Both PCE inflation and core PCE inflation in 2025 are close to the Fed’s inflation target of 2%.

  • It is estimated that GDP will increase by 0.5% in 2022 and 0.2% in September. The GDP growth rates in 2023 and 2024 are expected to be 0.5% and 1.6% respectively, and 1.2% and 1.7% respectively in September. The growth rate in 2025 is expected to remain unchanged at 1.8%.
  • The unemployment rate is expected to be lowered from 3.8% in September to 3.7% in 2022, from 4.4% to 4.6% in 2023 and 2024, and from 4.3% to 4.5% in 2025.
  • PCE inflation rate is expected to be raised from 5.4% in September to 5.6% in 2022, from 2.8% to 3.1% in 2023, from 2.3% to 2.5% in 2024 and from 2.0% to 2.1% in 2025.
  • The inflation rate of core PCE is expected to be raised from 4.5% in September to 4.8% in 2022, from 3.1% to 3.5% in 2023, from 2.3% to 2.5% in 2024, and remains unchanged at 2.1% in 2025.

In terms of interest rate guidance, in the resolution statement after this meeting, the Federal Reserve reiterated two new sentences added at the last meeting in November this year. The following two sentences admit that the impact of interest rate hikes is lagging behind, which once ignited the Fed’s steering expectations after the November meeting:

"The (FOMC) Committee expects that in order to keep the monetary policy stance restrictive enough and allow inflation to fall back to 2% over time, it is appropriate for the target range (policy interest rate) to continue to rise.

In order to judge the rising pace of the future target range, the Committee will take into account the cumulative tightening of monetary policy, the lag of monetary policy affecting economic activities and inflation, and changes in the economic and financial situation."

In addition, other contents of the interest rate guidelines remain unchanged. The Fed continues to reiterate that FOMC seeks to achieve the dual goals of full employment and long-term inflation of 2%. After expressing its decision to raise interest rates by 75 basis points to support the above two objectives, the Federal Reserve continued to reiterate its statement in March this year: "The (FOMC) Committee expects that it will be appropriate to continue to raise the target interest rate range."

Statement after this meetingContinue to reiterate the new statement in June.This sentence:

"(FOMC) CommitteeStrong commitment, will let the inflation rate fall back to the goal of 2%."

The statement of this meeting continued to reiterate the expression of the impact of the Russian-Ukrainian conflict first mentioned in the March statement: Russia’s actions against Ukraine "caused great" economic difficulties, but slightly changed the statement since July that "related events of the Russian-Ukrainian conflict are creating new upward pressure on inflation and putting pressure on global economic activities" and changed it to "related events are fuelling upward pressure on inflation and putting pressure on global economic activities".

Immediately after the impact of the above-mentioned Russian-Ukrainian conflict, this statementReiterated the sentence added in May that FOMC is "highly concerned about inflation risks".

When evaluating the economy, this statement continued to reiterate what was said in June, "the employment growth has been strong in recent months, and the unemployment rate has remained low", and continued to reiterate the evaluation of inflation in the March statement:

Inflation remains high, reflecting the imbalance between supply and demand related to the COVID-19 epidemic, rising food and energy prices and broader price pressures.

In May this year, the Federal Reserve announced the route of reducing its balance sheet (shrinking the balance sheet), and reduced its bond positions from June 1, initially reducing at most $30 billion in US Treasury bonds and $17.5 billion in institutional mortgage-backed securities (MBS) every month, and doubling the maximum monthly reduction three months later.

Like the previous four meetings, the statement of this meeting did not reiterate the above line, but said that it would continue to reduce its holdings of government bonds, institutional bonds and institutional MBS according to the reduced table route announced in May.

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The "pet cemetery" is sought after: the price starts from 2000 yuan, and the tombstone and other expenses are extra.

A "pet cemetery" outside the Sixth Ring Road in Beijing. China Youth Daily Zhongqing Online Reporter Xuan Zengxing/photo

  Liu Dazhuang was buried in a poplar forest outside the Sixth Ring Road in Beijing.

  A path leads to the valley. All the way down, into the forest covering an area of more than 100 acres, you will find a tombstone under each tree. Many names engraved on it are overlapping words, and most of them are inscribed with "Mom and Dad".

  In the past three years, Ma Ying, a 60-year-old Beijing citizen, has driven more than 20 kilometers to visit the grave almost every weekend. At first, she put gloves, rags and other tools in the car. Later, for convenience, she simply put the tools in a bag and tied them on the poplar in front of the tomb.

  Thanks to careful cleaning, Liu Dazhuang’s cemetery is very clean. The glass cover protects the black marble tombstone from the rain, surrounded by green grass and bright fake flowers. Sometimes, Ma Ying will put a bowl of boiled eggs and some ham sausages in front of the tomb.

  "Take care of yourself, baby. We love you forever." This gentle exhortation is engraved under a photo on the tombstone.

  The photo has faded, but Liu Dazhuang’s true face can still be recognized: a white puppy.

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  With more than 4,000 other pets around — — Mostly cats and dogs — — Similarly, Liu Dazhuang was buried in this place called "Pet Paradise". These four words were painted on the low yellow brick wall, which was inconspicuous. During the day, "pet paradise" has the unique quiet atmosphere of the cemetery.

  But at night, this is another world. Many tomb owners’ "parents" will install street lamps in front of the tomb, and after nightfall, the Woods will light up with little lights. There is even a solar-powered "chanting machine" that automatically plays scriptures for those dead animals.

  According to the Report on the Survey and Forecast of China Pet Market from 2014 to 2019 released by a research organization, the number of pets in China has reached 100 million in 2015, and there are more than 1 million pet carcasses to be disposed of in a year. Graveyards similar to "pet paradise" are found in many areas.

  Liu Dazhuang lies in an exclusive coffin. In "pet paradise", the price of a "cemetery" ranges from 2000 yuan to 5000 yuan. The cost of coffin, tombstone and base is calculated separately, and there are different grades to choose from. Tombstones come in two sizes, the small one is 1200 yuan, and the big one is 1600 yuan. 100 yuan, the base made of cement, costs 1600 yuan for marble.

  If you choose to cremate, there is a cremator next to it. The cost is calculated according to the weight of the pet, and the weight under 20 kg usually does not exceed that of 1000 yuan.

  There is a price list posted in the office of this company. When asked whether the pricing had been audited by the Price Bureau, a staff member said that these charging items were not within the scope of the audit, and "the Price Bureau could not manage them".

  "Pet Paradise" obtained a business license in 2005, but the business scope marked above is "selling animal funeral supplies". The staff of the Funeral Department of Beijing Civil Affairs Bureau said that "pet funeral" is not within the jurisdiction of the department.

  The "pet cemetery" was a fantasy in the past, but now it is developing with the blowout of the whole pet industry. Some researchers who pay attention to the relationship between owners and pets have noticed that while the social fertility rate is declining and there is a phenomenon of "fewer children", the pet business is very prosperous. According to an industry report, keeping pets is becoming a "lifestyle" for Chinese people with economic growth, increasing urbanization rate and aging.

  Pets enter the family step by step, and photos of different ages show this process: in previous photos, pets were always kept in outdoor fences, and then they gradually entered the room. A paper on this issue from the Department of Psychology and Business Consulting of Taipei University of Education said that people’s motivation to keep dogs has changed from warning dogs and guarding the house to looking for "companion animals" to comfort their souls.

  Liu Dazhuang was a white "Jingba". He was 12 years old when he died, which was regarded as "old age" among dogs. It takes the surname of "Dad". It was originally named Dazhuang in the hope that it would be healthy and strong. In the end, it died of heart disease. Ma Ying said that it was sick because it was fed too much and it was too fat.

  In the last few years of his life, Liu Dazhuang often screamed and rolled around because of severe pain. Ma Ying had to get up in the middle of the night to soothe her like nursing her crying child more than 30 years ago. She picked it up from the soft kennel and patted it, and even fed it the Chinese medicine "Quick-acting Jiuxin Pill".

  Liu Dazhuang carries two "light quantum energy chips" on his chest and back, which Ma Ying bought at a health care product marketing activity. One piece is worth 15,800 yuan. She has always been superstitious, and Dazhuang can live for two more years, "thanks to these two chips."

  The day the dog died was June 15th, 2015. When Ma Ying came home from the supermarket, she saw her wailing "heartbreaking", and she would get sick every few minutes. She picked her up and ran to the pet hospital, whispering in her ear, "Don’t worry, Zhuang, mom will save you."

  She finally failed to save this "child" who is equivalent to a human life span of more than 60 years. The oxygen mask has failed for Da Zhuang, and it has been transferred to a box full of oxygen, but it is also in vain. "It is said that when he died, he was bleeding from seven orifices." Ma Ying stood outside the door and didn’t dare to watch the last scene.

  It was after 9 o’clock in the evening and she had been in the hospital for more than four hours. "That day was really torture," Ma Ying thought before, and that day would come eventually, "but I didn’t think so soon."

  Her daughter found "Pet Paradise" temporarily on the Internet, and the website of this animal burial center said: "Find a home like this for pets who have left their loved ones."

  Ma Ying’s family of three immediately drove there. On the way, Da Zhuang was lying on the driver’s "dad", as if he were asleep, but his body temperature gradually dropped.

  The arrival of the car at night caused the dogs in the "pet paradise" to bark and bark. They are one of the few of their kind here who are still alive and kicking. However, they are not pets, but "watchdog". There is a big difference in treatment between the two. Watchdogs can only eat leftovers at ordinary times and are not eligible to enter "heaven" after death.

  Cost is not Ma Ying’s first consideration. She just wants to find a place to rest for her children. She was taken to a room full of black wooden coffins, chose a medium coffin from three models: small, medium and large, and gently put Dazhuang with its blankets and toys.

  The staff chose a place less than one square meter and dug a deep pit, just enough for the coffin. Ma Ying touched Da Zhuang for the last time, and the earth soon filled up the pit.

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  Zhang Youwang is usually the one who digs the hole. At the age of 54, he has worked in "pet paradise" for more than 10 years. From guarding the "cemetery" to repairing water pipes and carving tombstones, he did everything, and his hands were almost always stained with black ash.

  Here, Zhang Youwang has seen all kinds of sad people: some couples have no children, and have raised cats and dogs as children for more than ten years, and often add flowers, drinks and fruits to their graves. Some young people came alone at first, then occasionally "brought a friend" and later became a person. There are also two girls or two boys coming together. He sometimes asks them, "Which one of you keeps this pet?" The other party smiled: "We raised it together." He also didn’t ask.

  For three years, he has seen Ma Ying almost every week. He has never seen Da Zhuang, but he knows from listening once a week that he eats two meals a day in the morning and evening, likes ham sausage, drinks milk and doesn’t like sports. He goes downstairs and takes a bath once a week on average.

  Da Zhuang was just bought by Ma Ying from the pet market with 300 yuan money. He was only two months old and only two palms big. At that time, it was a "gift" from Ma Ying to her daughter who was preparing for the college entrance examination. It’s just that my daughter goes to school during the day, and my husband who does business goes out early and comes back late every day. In the end, Ma Ying, who just retired, is the only one who cares for her.

  Before that, she never had a dog, and she didn’t like to have a dog, which made her feel troublesome. Da Zhuang urinated everywhere at home at first, and he didn’t understand the instructions. Ma Ying was so angry that she patted him on the head, taught him to pee in the newspaper and bought him a "pet-only toilet".

  "At first, I thought it was a gadget," Ma Ying said. "Later, I couldn’t live without it and began to raise it as a child."

  In the next 12 years, whenever Ma Ying went home, she always saw Da Zhuang lying at the door, wagging his tail to meet her. Sometimes when she travels for a few days, she "regrets it as soon as she leaves" and can’t bear it. Later, as long as the suitcase was pulled in front of it, it was "anxious" and bit her clothes to prevent her from leaving.

  "When I saw it, I always felt that there was nothing to worry about. I felt itchy and liked it." The smile on Ma Ying’s face only lasted for a few seconds. "But I can’t come back."

  Zhang Youwang knows the "itchy" feeling. His hometown is in the countryside, and he had a yellow and white cat at home. I don’t know who gave it to him, and no one named it. In winter, the family sleeps on the heatable adobe sleeping platform, and the cat always likes to drill into the bed. He also dug a hole in the door for the cat and covered it with a curtain. Cats often open the curtain with their furry heads and "whew" into the house.

  Later, his family also had a yellow dog, which had no name, and died of old age when he was 19 years old. Zhang Youwang likes painting. When he was young, he often rode his bike for more than an hour to Badaling and Juyongguan to sketch. After graduating from high school, he did wrought iron, painted ceramics and carved jewelry in state-owned units. Later, the factory closed down, and he also went to a private beverage factory and pressed the caps on the glass bottles one by one. His family introduced him to a girl from a neighboring village, and he married and had children locally. In the 19 years when these things happened, the yellow dog was always with him.

  It’s just that for Zhang Youwang, cats and dogs are never pets, let alone "children", just "gatekeepers". He will play with them for a while, and more often he doesn’t care about their existence.

  More than 10 years ago, he was introduced to the "pet paradise", where he lived day and night because he needed to look after the cemetery. There are piles of brushes, drawing paper and clothes, and even pots and pans in the room of more than ten square meters.

  When he is free, he will squat in front of a tombstone and copy the pet photos on it. Some tombstones have built a delicate wooden house. Some people bought two or three "graveyard" locations for a pet in order to be spacious. In addition, in front of the tombs, the pillars of white marble are "as thick as one side in the Forbidden City". Up to now, the works he copied have been filled with eight or nine folders, each of which is carefully wrapped in plastic film.

  Before and after the burial of Liu Dazhuang, it cost more than 10,000 yuan, which is not expensive here, nor is it a luxury for the Ma Ying family, and even the price is not comparable to the chip it hung before its death. A few years ago, the "pet paradise" did not allow customers to build small houses or tall fences outside the cemetery privately. All tombstones were the same shape and material except for different sizes. According to Zhang Youwang, it was the previous media reports that brought some public pressure. "Some people say that dogs are more expensive than people," he said.

  Some time ago, a client took his pet’s ashes to be buried. Looking at a pair of stone lions in front of the tomb not far away, he muttered, "If they don’t let it be done now, mom would like to make you a more expensive and better one." Others specially made a body beauty for the dead pet. Compared with ordinary pet grooming, the price of body grooming should at least double.

  Of course, some people have just finished the cemetery and regretted it. They feel that it is "too formal, and they can commemorate it by putting a photo at home".

  Zhang Youwang feels that he understands these "customers". "People have different economic conditions and different ideas. There is nothing incomprehensible. It is all out of necessity," he studied his paintings hanging all over the room. "People who engage in art are romantic, and I can understand everything."

  He dug hundreds of graves for others and never thought of putting his dead dog in them. Once upon a time, the yellow dog died. He was very sad. He thought about it and dug a hole under the peach tree in his yard and buried it.

  three

  In recent years, burial in a "pet paradise" is no longer allowed, and all animal remains must be cremated before burial.

  The Regulations of Beijing Municipality on Animal Epidemic Prevention stipulates that animals should be treated harmlessly after death, and no unit or individual may dispose of them at will. Han Lei, deputy director of the Veterinary Management Department of Beijing Agriculture Bureau, told the media earlier that pet carcasses may carry pathogenic microorganisms, causing the spread of pathogens.

  From January 1, 2017, the harmless treatment system for animals in Beijing was officially put into operation. Nearly a thousand temporary collection points have been set up in the city, and the animal carcasses that need to be treated harmlessly are delivered or put into the temporary collection points, which are cleared and disposed by the sanitation operation company, and the expenses are borne by the public finance, and the citizens do not need to pay. However, there are still many pet owners who choose to bury their pets themselves or send them to places like "pet paradise" for cremation.

  At present, the pet funeral industry in some countries and regions is relatively mature. France, Singapore, Japan and other countries stipulate that pet corpses must be cremated. There are more than 320 pet crematoriums in Britain. In Hong Kong, if a pet owner litters and buries a dead pet illegally, he will be fined up to HK$ 25,000 and imprisoned for six months. Japan’s pet crematoriums not only provide pet cremation services, but also provide farewell ceremonies, ashes storage and other services, and even temples dedicated to pets.

  After the death of Da Zhuang, Ma Ying often fell into remorse and regretted not being able to "hug him more" before his death. "I used to think that more than ten years was particularly long." For a time, Ma Ying didn’t even dare to look at its photos. Now its photo is on the cupboard at home, and occasionally she will block this one with other photos. Remembering that she had beaten Da Zhuang, she felt "unable to forgive herself".

  After blaming herself for a long time, Ma Ying tried to comfort herself again. "It’s good to go, it can suffer less." Sometimes she will wipe the glass cover on the tombstone and say, "It’s your own heart disease, which is not bad for anyone." Da Zhuang spends at least 200 yuan on dog food every month, and tens of thousands of yuan on an operation. She feels that she is "worthy of it".

  "Let’s go, no one can accompany anyone forever." Ma Ying sighed. There are about 30 years left in the land lease of "Pet Paradise", and few people have thought about what to do after it expires. "I guess it will be gone by then." She said.

  At first, her husband and daughter often went to the grave with her. Later, they always said that they were too busy at work, so she had to go alone. My daughter is in her thirties this year. She works as the chief financial officer in a company, rents a house outside and keeps a Shiba Inu. In Beijing, the mother and daughter talk on the phone about once every half month, "I don’t usually contact much when I have nothing to do."

  Zhang Youwang doesn’t live with his family either. His wife lives in a village hundreds of meters away and often comes to see him. My son rents a house in downtown Beijing, and the room is smaller than his. My 80-year-old mother still lives in the village and finds a job as a mountain guard, sitting at the foot of the mountain all day every day. A family of four, scattered in different parts of Beijing.

  Recently, someone wanted to auction Zhang Youwang’s paintings. He picked a few and took them to his son by bike for more than 20 kilometers, asking him to help him deliver them. This is the first time he met his son after the Spring Festival, and he also brought a big bag of newly picked willow buds. My son checked out fatty liver. He heard that eating willow buds can "get rid of fire".

  He also said that whether a son is married or not has "little to do with himself". Now he just wants to sell more paintings and save some money to see Huangshan. Living in his fifties, he has hardly traveled. There is a crumpled poster on the bedside with tape, and the Huangshan Mountain is shrouded in clouds.

  Ma Ying doesn’t intend to keep any more pets. "After keeping them for more than ten years, she will suffer.". Several cats and dogs in "Pet Paradise" became her new "children". Every week when she goes to visit the grave, she cooks the broth in advance and feeds it to a "black back" in the yard. The dog has no name. She always calls it "Little Black". Considering that there are seven or eight cats here, she will also bring cat food. Occasionally, several cats were killed by passing cars, and Zhang Youwang buried them in the peach forest across the road. He said, when you think about them, just look up.

  A Dalmatian dog in the yard got breast cancer. Ma Yinghua paid nearly 10,000 yuan to treat it, but it was in vain. Zhang Youwang buried it in a highland near the gate and joked, "This dog guarded the door when he was alive, and he guarded the door when he died."

Zhiji LS6/Jishi 01 and other 68 batches of purchase tax exemption catalogue

  [Autohome News] Recently, MIIT released the "Catalogue of New Energy Vehicle Models Exempted from Vehicle Purchase Tax (68th Batch) ", with a total of 4,234 pure electric passenger cars and 22 plug-in hybrid passenger cars selected, including (|), Jishi 01, iCAR 03, Haval Raptors, etc.

Autohome

Kia (Imported) Kia EV6 2023 GT Edition

Smart Car, Smart LS6 2023, basic model

SAIC Motor, Roewe D7 2023 EV Lithium Iron Phosphate

  Let’s take a look at the pure electric vehicle market first. The domestic Kia EV6 will be equipped with a 76.4kWh battery, the two-wheel drive version will have a battery life of 671km, and the four-wheel drive version will have a battery life of 638km and 555km; the Zhiji LS6 will be equipped with a 71.2kWh battery, with a battery life of 560km; the Roewe D7 pure electric version will have a battery life of 510km and 610km respectively.

Chery New Energy iCAR 03 2023, basic type

BAIC New Energy Extreme Fox α coefficient T5 (ARCFOX α T5) 2023 basic type

Hechuang Automobile, Hechuang V09 2023, basic model

  Chery iCAR 03 will be equipped with 65.6964 and 69.77kWh batteries, with a range of 501km; α coefficient T5 battery capacity is 65/79.2 kWh respectively, corresponding to a range of 520/660km; Hechuang V09 will provide 95.16kWh and 114.19kWh batteries, corresponding to a range of 620km and 762km respectively.

Autohome

Great Wall Motor, Haval Raptor 2023 Hi4 short battery life version

Lynk & Co 06 New Energy 2023 Remix PHEV Hero

Autohome

Autohome

  In terms of plug-in hybrid models, Haval Raptor will be equipped with the Great Wall Hi4 plug-in hybrid system, with battery capacity of 19.09 and 27.54kWh respectively, and pure electric cruising range of 81km and 115km respectively; Lynk & Co 06 PHEV will also add 44km and 102km two kinds of battery life; Jianghuai QX PHEV models will be equipped with 21.68kWh batteries, pure electric battery life of 78km; the new BYD Tang will add 150km battery life version. Both the Trumpchi E8 and Trumpchi ES9 will be equipped with 25.57kWh batteries, of which the Trumpchi E8 pure electric battery life is 116km, and the Trumpchi ES9 pure electric battery life is 110km.

Beijing Automobile Factory, Jishi 01 2023, basic, six-seat version

  In terms of range extension models, the Jishi 01 will use a range extension system composed of a 1.5T range extender and a motor, with a battery capacity of 56.01kWh and a cruising range of 200km and 235km respectively. Zero Run C01 will add a range extension model, with a battery capacity of 30.1 and 43.7kWh respectively, and a pure electric range of 148km and 248km respectively; the new Qinjie M7 will be equipped with a 40.06kWh battery, with a cruising range of 162/175/180km respectively. (Text/Autohome Guo Chen)

In the era of generative AI, mobile phones are undergoing a full-stack innovation?

Machine heart release

Editor: Zenan

The third major change in the mobile phone industry has begun.

Recently, AI and big model technology have advanced by leaps and bounds. Just after the Spring Festival, a new breakthrough has been ushered in the frontier direction.

Sora of OpenAI suddenly pulled up the progress bar generated by AI video for half a year.

In the application field of large model, the speed of technology landing application is also accelerating. At present, a new generation of flagship mobile phones of major manufacturers have all appeared, and most of them are equipped with large models, which can realize many unprecedented functions.

Image from Qualcomm Snapdragon 8Gen3 promo: https://www.youtube.com/watch? v=0CqtpjlL25w

Why did everyone choose to enter AI in 2024?

The answer seems clear. With the maturity of the large model and the enhancement of the computing power of the chip end-side, mobile phone manufacturers have a clear judgment: 2024 will be the first year of AI mobile phones.

However, in the face of the same goal, each style of play is different: many mobile phones have begun to introduce cloud-based large model applications, and some have realized end-to-end running of small-scale models. Among them, the OPPO Find X7 series, which has landed multiple AI functions, is gaining more and more recognition.

It has achieved many "firsts": Find X7 is the world’s first mobile phone with a 7 billion-parameter large language model.

It is also the first mobile phone that supports AI call summary, allowing users to let AI generate summary with one click after the call is over, and automatically generate to-do items and reminders:

With the blessing of the mobile phone AI model, the smart assistant is no longer a "decoration", and OPPO’s small cloth assistant has achieved a leap-forward experience improvement.

Now Xiao Bu can better understand natural language and answer all kinds of tricky questions. It has more than 100 abilities, including text generating pictures, picture explanation, AI article abstracts, etc., and can help users in different dimensions such as office efficiency, life service, learning and education.

For example, you can ask Xiao Bu why there are many holes in the biscuit and ask him to answer in a way that a four-year-old can understand:

OPPO also brought a new AIGC elimination function. In the past, the task of changing pictures required complicated operation of computer professional software. Now, you only need a simple circle of AI on your mobile phone to help you eliminate the subject and redraw the real scene. In this process, the large model can also be "created" to a certain extent, and the background can be supplemented by the brain to get a picture of the scenery without crowds:

Find X7′ s large model ability not only supports the identification and segmentation of more than 120 kinds of agents, but also can realize hair-level segmentation and multi-agent separation of up to 6 agents. This is the new experience of taking pictures in the era of mobile phone-side generative AI.

As the most common consumer electronic product, mobile phone has always been the priority direction of various AI technologies. AI beauty, AI assistant and other functions have long been the standard of smart phones. With the rise of the big model, the mobile phone, as an "extension organ" of human beings, understands the advantages of users, and with the unprecedented breakthrough of generative AI, it brings more intelligent, personalized experience and more diverse gameplay.

AI mobile phone may be the third major stage of change in the mobile phone industry after functional machines and smart phones. In this revolution, OPPO showed us the new form of mobile phone after the breakthrough of big model technology in advance.

End-side 7 billion parameter large model

Why did OPPO do it?

Many new capabilities that OPPO Find X7 can achieve benefit from the 7 billion-parameter large model running on the end side.

On this generation of flagship machine, the AndesGPT 70 billion parameter model trained by OPPO is equipped for the first time. Through the deployment of end-cloud collaboration, it has achieved an AI experience that is ahead of more than one generation. Compared with the 1 billion parameter model, this model can show a higher "IQ" understanding ability, and can understand the dialogue content more accurately and generate a focused and detailed summary content.

Compared with other models on the same platform, AndesGPT 70 billion parameter version can bring 20 times faster response when generating the first word of 2000 words, and summarize the content of up to 14,000 words, which is 3.5 times that of other models, and the dialogue experience is closer to the speed and information of human dialogue.

We know that in the current big model arms race, various technology companies are snapping up GPUs. After all, running a big model is very computationally expensive. It is not easy to run a large model on a mobile phone with limited computing power and memory. How does OPPO do it?

This is because on the new generation of mobile phones, OPPO has achieved a comprehensive optimization for the big model, from software and hardware to the cloud platform.

First of all, OPPO cooperates closely with platform manufacturers. Based on the understanding of the chip and the insight and understanding of the user’s needs, the SoC chip is customized according to the large model and algorithm depth, which improves the operation scheduling of the chip under high load conditions and further optimizes the operation efficiency of the large model.

Insight and understanding of users’ needs is the core competitiveness of OPPO, and call intelligence summary is a good example: total recall is a function that has already appeared in the industry, but the combination of traditional total recall and end-to-end big model brings a brand-new AI experience that subverts traditional applications.

The large model is deployed on the end side, and besides the extreme optimization of computing resources, another bottleneck lies in storage.

Under normal circumstances, a large model with 7 billion parameters needs to occupy 28GB of memory. In order to truly realize the end-side deployment, OPPO has greatly compressed the model with the quantization of INT4, so that the model that originally occupied 28GB of memory now only needs 3.9GB, which not only reduces the resource requirements, but also hardly affects the output effect of the AI model.

"The performance consumption of large models is relatively high at the end side, so it is necessary to reduce the loss and system resource occupation by optimizing the operators of parallel computing and memory management. In terms of battery life, according to the use of the aircraft, the power consumption control of our end-side large model is within the acceptable range of users, "said Zhang Jun, product director of OPPO AI Center.

OPPO is also the first mobile phone manufacturer to truly deploy the 7 billion-parameter end-to-end model on two different platforms, Qualcomm and MTK, which "treats users equally" and also verifies its ability to optimize the deployment of AI. At present, the mobile phone deployment of the end-to-end visual model is also listed on their schedule.

For the generative AI capability, sometimes the complex tasks that the end-side model can’t handle need to transfer the data to the cloud and use the power of the server-side AI accelerator; And a lot of information containing personal information and preferences needs to be pre-processed on the mobile phone side to ensure privacy.

The end-cloud collaboration of large models is the consensus of the industry at present.

In this respect, when OPPO released the AndesGPT big model, it proposed the end-cloud joint deployment through the three-level big model deployment strategy, which satisfied the efficient adaptation of multiple scenarios.

Under the architecture of end-cloud collaboration, the computing power supply of OPPO AI mobile phone is no longer limited to the local area, and at the same time, the user information can be guaranteed not to be leaked-the user data is only calculated at the end side, and the cloud’s more powerful computing power is oriented to complex tasks, which not only improves the overall performance and efficiency of large-scale model calculation, but also ensures security.

In addition to AI technical capabilities, OPPO has a big strategy.

Plus AI strategy

There is no upper limit for artificial intelligence investment

In fact, OPPO has been deeply involved in the AI field for many years: as early as 2020, OPPO began to explore the training, application and landing of large-scale language models, and OBERT, the first self-developed large-scale model, once ranked first in the Chinese large-scale knowledge map quiz KgCLUE list; In 2023, OPPO’s self-trained Andean Grand Model (AndesGPT) was second only to GPT 4 in the ranking of Super CLUE knowledge and encyclopedia ability, ahead of all competing products.

In addition, the 7 billion models applied on the end side of Find X7, AI computing power running score also ranked first on the Android list.

Chen Mingyong, founder and CEO of OPPO, judged that 2024 will be the first year of AI mobile phones, and the impact of AI on the mobile phone industry in five years will not be ignored.

On February 20th, OPPO held an AI strategy conference and shared their detailed planning on AI strategy.

OPPO defines a real AI mobile phone and thinks that it needs to have the following four characteristics:

  • It can make efficient use of computing resources and meet the computing needs of generative AI.

  • Can keenly perceive the real world and understand the complex information of users and the environment;

  • Strong self-learning ability;

  • Have more abundant creative ability, and provide continuous inspiration and knowledge support for users.

In order to meet these requirements, the mobile phone industry needs to carry out comprehensive technological innovation and ecological reconstruction: in terms of hardware architecture, high-efficiency AI computing base, model base management optimization and intelligent bionic perception will become the new standards of AI mobile phones. The OS system of AI mobile phone will be able to handle complex tasks efficiently and create actively by embedding agents.

On the other hand, the future AI mobile phone will support more acute and accurate natural semantic understanding, have more powerful self-learning ability, and provide more intuitive multimodal interaction. From this point of view, the traditional application ecology will turn to the agent ecology in the era of AI mobile phones, and all kinds of service applications will be seamlessly connected with AI capabilities to realize truly intelligent services.

To this end, OPPO has made sufficient preparations. In terms of cloud computing power, OPPO has an OPPO AI marina bay data center that can support the training of hundreds of billions of AI models, support the ultra-low latency of two milliseconds backbone network links, and 100% pure green energy.

In the future, OPPO will continue to invest in computing power and deploy AndesGPT Titan, Turbo and Tiny models to correspond to different application scenarios.

In terms of Agent capability, OPPO officially released the 1+N agent ecological strategy. Among them, "1" stands for OPPO AI super agent, which is based on knowledge map, document data and search engine, can accurately understand the user’s intention, give accurate results, and fully call other tools; "N" represents a brand-new agent ecology empowered by the OPPO AI Pro agent development platform.

Compared with the big model intelligent assistant, the agent is a faster and more active AI assistant, which can accomplish various goals in the most effective way according to your settings, and meet the needs of emotional companionship, knowledge exploration, entertainment and small talk. At the same time, the method of building an agent is very simple, and there is no need for programming code foundation. People only need to have a natural language dialogue with the big model and provide necessary explanations and knowledge.

Agents can also be connected with other services outside the big model, access more information and mobile phone functions, and meet various needs of users with universal capabilities.

More importantly, OPPO’s 1+N also means uniting more partners and developers. With the development of agent layout, people can jointly create a service system for the AI mobile phone ecosystem.

Just like the APP application market on smartphones. But this time, the service connected by AI is more capable and more closely connected with you.

OPPO continues to add AI. At the strategic conference, OPPO officially announced the establishment of the AI Center, aiming at integrating R&D resources and conducting capacity building and R&D for AI. Liu Zuohu said that the establishment of AI Center will gather the strength of the whole company, and AI has been regarded as the most important strategy in the next era of mobile phones, with no upper limit on investment.

Mobile phone blessed by big model

How will it evolve?

This is just the beginning. After all, the big model is a "world-changing" technology, and applications in all fields must be redone with AI.

Recently, in artificial intelligence, many people have made big moves: Apple stopped its car-making project that lasted for many years and shifted its exploration focus to generative AI; When Google released the native multi-modal big model Gemini, it announced that the big model will be integrated into Android in the future; The new generation AI Hub launched by Qualcomm at the MWC conference has supported the end-side acceleration of more than 75 mainstream AI models. Now, from mobile phone manufacturers to technology companies to chip companies, great minds think alike.

We can foresee that with the progress of technology and the construction of industry ecology, we will see more intelligent photos, faster human-computer interaction, more personalized content generation and more efficient task processing in the future.

Using generative AI, the complicated work in the past will become simpler. People can let AI automatically complete complex tasks without opening professional software, which greatly improves work efficiency.

The generative AI deployed on the end side can also make the smartphone know more about the user’s habits and location. Using situational information, digital assistants will be more personalized, bring more satisfactory answers and provide more active services.

Furthermore, with the AI generation capability gradually entering the multi-modal field, the next generation AI rendering tools will be able to generate 3D objects and scenes with various types of prompts such as text, voice, image or video, and finally create a new immersive content experience.

In a word, AI mobile phones will bring us a revolution.

With the continuous promotion of AI technology by mobile phone manufacturers such as OPPO, the distance between us and imagination is close.

Reporting/feedback

President Kazakhstan: Constitutional order has basically been restored in all localities, and local governments are in control of the situation.

  BEIJING, Jan. 7 (Xinhua) According to Sputnik’s report on the 7th, the President’s Information Office of Kazakhstan released a message saying that President Tokayev of Kazakhstan said that constitutional order has basically been restored in all parts of the country, and local governments are in control of the situation.

  It is reported that Tokayev held a meeting of the anti-terrorism headquarters on the morning of the 7th, attended by the heads of the presidential palace, the Security Council and powerful organs. The meeting discussed the country’s actions, the progress of anti-terrorism actions and the situation in various regions.

  Tokayev was quoted by the Kazakhstan President’s Information Office as saying: "The anti-terrorist operation has started. Law enforcement forces are stepping up law enforcement. Constitutional order has basically been restored throughout the country. The local government controls the situation. "

  At the beginning of the new year, the price of liquefied natural gas (LNG) in Mangistau state in southwest Kazakhstan rose sharply, and protests and demonstrations took place in many places, which turned into large-scale riots, and rioters attacked government institutions in many places. Kazakh President Nursultan Tokayev signed a presidential decree on the 5th, declaring the country into a state of emergency.

Unscramble the heaviness! What signals did Beijing and Tianjin release when they introduced the new purchase restriction policy?

CCTV News:With the gradual resumption of purchase restrictions in more than 10 cities across the country, on the evening of September 30, Beijing’s purchase restriction policy was further upgraded. The New Deal included increasing the down payment ratio of the first set of ordinary self-occupied housing from 30% to not less than 35%.

The Beijing Municipal Government issued "Several Measures on Promoting the Stable and Healthy Development of the Real Estate Market in this Municipality" (hereinafter referred to as "Measures"). The main contents include:

Adjust the supply of land

Further increase the supply of residential land, and the proportion of housing area with Taoxing construction area below 90 square meters is not less than 70%.

Accelerate the supply of land for self-occupied commercial housing.

Except Dongcheng District, Xicheng District and Shijingshan District, other districts should arrange a batch of self-occupied commercial housing land to enter the market as soon as possible in 2016.

"Controlling land price and limiting house price"

Pilot measures were taken to limit the sales price and use it as a condition for land bidding, auction and hanging.

Differentiated housing credit policy

The down payment ratio for purchasing the first set of ordinary self-occupied housing is not less than 35%, and the down payment ratio for purchasing the first set of non-ordinary commodity housing is not less than 40%;

For households with one set of housing, if they apply for commercial personal housing loans to buy ordinary self-occupied housing again in order to improve their living conditions, the down payment ratio shall not be less than 50% regardless of loan records, and the down payment ratio shall not be less than 70% if they buy non-ordinary self-occupied housing.

Management of real estate development enterprises

Open all the sales houses at one time within the specified time;

Clearly marked, one room and one price, the actual sales price shall not be higher than the declared price;

Not to delay the opening time or control the housing and other means of property hoarding, deliberately creating a tense atmosphere of housing.

Management of real estate brokerage institutions

It is strictly forbidden to engage in off-site fund-raising financial services such as down payment, self-financing, self-guarantee and the establishment of a fund pool.

Compared with the five detailed rules of Beijing in 2013, what are the differences in the policies introduced this time?

Before and after the adjustment of the New Deal, what impact did it have on your purchase?

Before and after the adjustment of the New Deal, what impact did it have on your purchase?

 

New Deal of Tianjin Property Market: Implementing Regionalization, Restricting Purchase and Differentiating Credit

On September 30th, the Tianjin Municipal Government issued the Implementation Opinions on Further Promoting the Stable and Healthy Development of the Real Estate Market in our City, which took effect on October 1st.

The "Implementation Opinions" stipulates that Tianjin will implement regional housing purchase restrictions and strengthen differentiated housing credit policies. That is, non-Tianjin registered households with one or more houses in Tianjin will be suspended from buying houses again in six districts of the city and wuqing district, including newly-built commercial housing and second-hand housing. For non-local households who purchase the first home in six districts of the city and wuqing district, the down payment ratio for applying for commercial loans shall not be less than 40%.

Beijing issued a policy before October 1, what kind of signal did it send? New purchase restriction, subsequent impact geometry? Will Beijing policy become a template for other first-and second-tier cities to regulate the property market?

Interpretation of CCTV

Beijing’s new real estate market regulation policy reminds many people of the so-called "most stringent" "National Five Articles" promulgated in 2013. However, the strictest policy terms did not stop the house price from "rising to the sky", so it remains to be seen how effective the new policy is.

The inflection point of the purchase restriction policy has been opened in the fourth quarter.

From the "11th and 10th National Articles" in 2010 to the "8th National Article" in 2011 and the "5th National Article" in 2013, judging from the frequency and momentum of policy introduction, the government’s determination to regulate the property market is not great, but from the actual effect, it will inevitably give people the feeling of "more thunder and less rain".

However, different from the background when the government put forward the "combination boxing of regulation and control", the space for trial and error of regulation and control policies is much narrower now than that of that year. At that time, the purpose of macro-control of real estate in many places was not to let the house return to the fundamentals of living function at the beginning, but only to let the house price rise too fast and not rise too fast. Under this guidance, there is a strange phenomenon that the more housing prices are regulated, the faster they rise.

△ The grand occasion of grabbing houses in various places in September

△ The grand occasion of grabbing houses in various places in September

Since the beginning of this year, the crazy rising trend of house prices is spreading from one city to another. In August, among 70 large and medium-sized cities in China, housing prices rose in 64 cities. With the higher and higher housing prices, the bubble in the market has expanded to the point where even large developers themselves are beginning to fear.

China’s real estate fever persists, so we should be alert to more risks.

The danger of high fever in China real estate lies not only in the heavy inventory burden and uneven market distribution, but also in the huge debts behind it and the breadth of "shadow" loans involved. More and more people are worried that once the real estate bubble bursts, it will trigger a systemic financial crisis and drag down the entire national economy. In this context, the government also realizes that there is not much time and space left for policy regulation, and it is time to get serious.

So on September 29th, a person from the Prudential Regulation Bureau of the China Banking Regulatory Commission issued a warning that in first-tier cities such as Beijing and Shanghai, as well as some hot second-tier cities with high housing prices, commercial banks are required to fulfill their accusations and collect more evidence to prevent more risks. Then the next day, Beijing introduced a policy to increase the down payment and recognize the house and loan.

Property market cooling focuses on implementation.

In fact, every policy seems to be very serious at the beginning. The problem is that after the introduction of the property market regulation policy, it is not important to evaluate its severity on paper, but to put it into practice to see how its implementation effect is. Because under the routine of "there are policies on the top and countermeasures on the bottom", there have been too many "policy punches" that seem to be thunderous and thunderous to be evaded by the market. Only careful execution can avoid another "wolf" joke in the real estate market.

Of course, it is believed that both the government and the market have seen the fierce "wolf" approaching, but there is still a lot of work to be done from early warning to effective control of risk exposure. A series of measures, such as increasing the down payment ratio of ordinary housing, should be implemented in a solid manner while looking strict.

Wang Yahong, a financial expert.

Inventory: Cities that have tightened their real estate policies in 2016

Purchase restriction in Shanghai

Purchase restriction in Shenzhen

Purchase restriction in Shenzhen

Purchase restriction in Guangzhou

Purchase restriction in Guangzhou

Purchase restriction in Suzhou

Purchase restriction in Suzhou

Purchase restriction in Xiamen

Purchase restriction in Xiamen

Purchase restriction in Hangzhou

Purchase restriction in Hangzhou

Purchase restriction in Nanjing

Purchase restriction in Nanjing

Purchase restriction in Kunshan City

Purchase restriction in Kunshan City

Tianjin Mercedes-Benz EQE AMG is on sale! The maximum discount is 200,000, and the quantity is limited.

[car home Tianjin Preferential Promotion Channel] Recently, there was a wave of price reduction in Tianjin market, with the highest discount reaching an astonishing 200,000 yuan, which reduced the minimum starting price of this model to 662,000 yuan. If you are considering buying this high-performance electric car, now is a good time to sell it. Please click "Check the car price" in the quotation form to get a higher discount.

天津奔驰EQE

The front face design of Mercedes-Benz EQE AMG adopts the iconic AMG Panamericana grille, wide air intake grille and chrome-plated decoration, with sharp LED headlights on both sides, which makes the front face more aggressive and sporty. The overall style highlights the unique sportsmanship and luxury of AMG brand.

天津奔驰EQE

Mercedes-Benz EQE AMG stands out with its streamlined body lines and elegant design. The body size is 4969*1906*1493mm and the wheelbase is 3120mm, which ensures the spacious and comfortable interior space. In terms of tires, the front tires equipped with 265/40 R20 and the rear tires equipped with 295/35 R20, together with the dynamic rim design, not only improve the handling performance of the vehicle, but also give the vehicle a more sporty appearance.

天津奔驰EQE

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The Olympic Games boosted the sports craze and promoted the sports consumption to "fire" and "heat".

CCTV News:This year as the Olympic year, the enthusiasm of the audience to watch the game has stimulated the upsurge of offline sports consumption. Sports venues around the country have welcomed many sports enthusiasts. From the best-selling of sporting goods and equipment to the popularization and development of some minority sports, sports consumption has provided new kinetic energy for stimulating the economy.

Early in the morning, many children played in the stadiums of Olympic events such as badminton and basketball in Ningbo Sports Development Center.

In addition to feeling the happiness brought by sports, keeping fit and improving physical fitness have also become the reasons why many consumers are keen on sports.

As a traditional advantage project in Zhejiang, the wonderful performance of China Swimming Team has also inspired the enthusiasm of many local teenagers in Zhejiang in this year’s Olympic Games. In the swimming pool of the Olympic Sports Center, a group of young students are doing warm-up exercises under the guidance of the coach. In the swimming pool, students of different ages are divided into nearly 10 classes, and they practice posture and learn to breathe with professional coaches.

The staff of Ningbo Olympic Sports Center told reporters that this year’s swimming training is very popular, and parents came to consult as early as March. This year’s holiday, the swimming pool has opened enlightenment classes, basic classes and advanced classes. At present, the training classes are full.

According to the data of local retail platforms, since July this year, the search volume of "swimming venues" nationwide has increased by 30% year-on-year, and the search volume related to "fitness venues" has increased by 128% year-on-year. Shanghai has also issued 6 million yuan sports vouchers, and sports consumption represented by sports tourism, skiing and gym private lessons is becoming increasingly popular.

"Punching in" Olympic sports equipment products continue to sell well.

The reporter found that some Olympic-related sports equipment and products have also begun to attract consumers’ attention, such as automatic rebound badminton, break dancing equipment, and even a small hairpin are popular online and offline.

When the reporter walked into this table tennis sporting goods store in Shanghai, he saw that consumers were experiencing the new table tennis bat on the table tennis table in the store.

The person in charge of the store told the reporter that this year is the Olympic year, and they are 1-mdash this year; In July, the sales volume of table tennis rackets increased by 9% compared with the same period of last year, and the professional soleplate increased by nearly 30%, and in this year, 3-mdash; May has already ushered in the peak of sales and ordering. Not only offline, the reporter found that the search for "the same Olympic model" has become the hottest keyword at present.

In this Olympic Games, a long-sleeved T-shirt with the element of "loong" on the members of the China sports delegation also became an explosion. The reporter found this enterprise that provided fabrics in Haining, Zhejiang. The person in charge of the enterprise told the reporter that they organized a research and development team of 15 people, and it took only three months to successfully develop this fabric, which is not only soft in texture, but also very powerful in water absorption. After the water drops go up, it basically volatilizes in less than one minute.

The popularity of niche sports drives a new round of consumption boom.

In this year’s Olympic Games, some minority sports such as break dancing, BMX and rock climbing attracted many people’s attention. China athletes lived up to expectations and won the bronze medal in the women’s break dancing group of the Paris Olympic Games, which attracted a lot of attention. Offline, this kind of sports passion has also been ignited, which has stimulated the "hot" consumption of sports.

In this street dance training institution in Zhengzhou, Henan Province, the classrooms are crowded with students who come to class. The youngest is 9 years old and the oldest is 49 years old. Jiao Tengyu, the head of this street dance training institution, said that with the "fire" of the Olympic break dance event, the number of applicants increased significantly, and the training courses were very popular.

From the passionate passion of dancing to the breathless concentration of archery, the sports charm between "motion and static" makes people want to stop. At the Archery Club of Nanjing Olympic Sports Center, children hold competitive recurve bow higher than themselves, aiming carefully and releasing arrows steadily.

It is understood that before and after the Paris Olympic Games, the Archery Club of Nanjing Olympic Sports Center added 68 young students. Since its operation in 2019, the club has provided training for more than 5,000 students in the city and delivered a number of professional athletes to provincial teams and municipal teams.

According to the data of e-commerce platform, in the first half of 2024, the turnover of climbing anti-slip powder, climbing helmet and climbing shoes increased by 151%, 42% and 40% respectively, and the turnover of surfing swimsuit, surfing foot rope and surfboard increased by 473%, 175% and 40% respectively.