Special feature of 1905 film network　In 2013, a low-key children’s film was released in mainland China. This film was not only called "China version of" Little Ghost in Charge ",but also gathered many big-name stars to help out. Even Andy Lau was" reduced "to only appear in the eggs at the end of the film. This movie, which stars hold children, makes us see the spring of domestic children’s movies — —

　 　 If we simply look at this film as a children’s film, then it can definitely gain children’s love. However, if we regard it as a family movie, apart from the "cottage" component, there are also great loopholes in the coherence of the story.

　 　 Sun Xiaoao is an eccentric naughty boy. Father Sun Jianye and mother work in Russia, and Xiao Ao has been taken care of by his taciturn grandfather. Grandpa’s iconic language — — Eight words.

　 　 The holiday is coming, but grandpa is ill and in the hospital. Helpless, my parents hired a T-rex nanny to look after Xiao Ao. Xiaoao, who has been eager for the care of his parents, was once again stood up by his father on the grounds of work. In anger, Xiaoao couldn’t bear to leave home.

　 　 If you want to run away from home, the first thing is to prepare the necessary equipment. Slingshot, mobile phone, bank card, snack … No one can be left behind. After the equipment was properly packed, Xiaoao successfully obtained the key to open the door by using his clever brain.

　 　 And three times five divided by two will successfully avoid the tracking of all monitors in the community. It can be said that the IQ of Xiaoguitou is absolutely crushed by many adults sitting there (including Xiaobian himself, of course).

　 　 Xiaoao, who finally escaped from the community, unexpectedly found a little girl Lan Lan on the way. After learning that Lan Lan was being watched by two bad guys and tried to take her away, Xiao Ao decided to save the beauty, protect her little sister and escort her to find her relatives successfully.

　 　 It turned out that Lan Lan was a little beggar who was used by criminal gangs. She wanted to escape from the control of criminal gangs and go back to her hometown to find her relatives. Unexpectedly, because of the tracker, I have been unable to escape from the bad guys.

　 　 Xiao Ao used a slingshot to rescue Lan Lan from the stupid thief who followed her many times, and he got to know an old man with a strong Jianghu spirit.

　 　 Grandpa not only gave Xiao Ao and Lan Lan delicious hot noodle soup when they were hungry. It is also when the children are in danger that they lend a helping hand.

　 　 The stupid thief not only failed to catch the two children many times, but also suffered from his own injuries, and even was caught in a sack and was about to be sent to the public security bureau.

　 　 The BOSS of Big BOSS couldn’t bear it any longer, and he absolutely caught two children by himself.

　 　 The two children are not only caught by the bad guys, but also hit a wall on the way to help Lan Lan find his family. It turns out that Lan Lan’s family has already moved away from the original site …

　 　 The film revolves around a lot of opponents between children and bad guys, which is not only funny but also warm. The reason why it is called "China’s version of" Little Ghost in Charge "is not only because the plot is similar, but also because the image interpretation of the small actors in the film makes the audience shine.

Whole nanny

　 　 Although the nanny is a Tyrannosaurus rex, it is not a problem in Xiao Ao’s eyes ~ I successfully got the nanny in minutes.

Abuse bad guys

　 　 Xiaoao obviously doesn’t take two stupid thieves seriously. Not only does he completely crush two bad guys intellectually, but he doesn’t lose adults physically.

Liao sister

　 　 Xiaoao made a surprising speech at an early age and easily said, "I’ll protect you." "I’m here." (Ladies and gentlemen, don’t code up quickly. )

Meet a drinking friend

　 　 The scene of Xiao Ao drinking with the grandpa in the noodle restaurant must be a highlight of the film. Xiaoao’s appearance of not forgetting to cover the key parts naked after drinking and getting drunk can be said to be very cute ~

　 　 These plots not only let us see a real, lovely clever kid, but also make people think deeply after laughing. This may also be the advantage of Angry Children over other similar children’s films.

　 　 Because the film is centered on the social problem of "family" and "left-behind children", isn’t it because of the lack of parents’ care for their children that Xiao Ao ran away from home?

　 　 Although the film does not directly point out this topic, it is reflected in many nuances. For example, Xiao Ao amuses himself and kills boring time. Another example is Xiao Ao’s depression and sadness when he talks about his parents with Lan Lan.

　 　 Lonely childhood really shouldn’t appear on any child. When the film draws to a close and everything ends with "a sense of security for the old and a sense of security for the young", the audience will inevitably look at themselves and their families through the film.

So, don’t "make trouble" for children ~

　　■ In June, a total of 34.767 billion yuan of lottery tickets were sold nationwide, a decrease of 23.862 billion yuan or 40.7% over the same period of last year.

　　■ Not only did the monthly data decline, but the reporter combed the lottery sales data in the first half of the past decade and found that the lottery sales showed negative growth year-on-year for the first time in the first half of this year.

　　■ What causes the lottery market to be cold? What is the future trend of lottery market? The reporter combed and interviewed this.

　　Encounter cold

　　In the first half of the year, national lottery sales fell first.

　　Lottery sales were cold this year. From January to June, the national lottery sales totaled 212.596 billion yuan, a year-on-year decrease of 32.602 billion yuan or 13.3%. Among them, the sales of welfare lottery institutions was 97.757 billion yuan, a year-on-year decrease of 12.838 billion yuan or 11.6%; The sales of sports lottery institutions reached 114.839 billion yuan, a year-on-year decrease of 19.764 billion yuan or 14.7%.

　　The reporter combed 2010 — The lottery sales data in the first half of the decade in 2019 found that this was the first time that there was a year-on-year decline.

　　Judging from the monthly data, in June this year, the country sold a total of 34.767 billion yuan of lottery tickets, down 40.7% from the same period of last year. The year-on-year decline was mainly due to the large sales of quiz lottery games in the World Cup in June 2018, with a high base in the same period last year. In the first half of 2018, lottery sales increased by as much as 19.6%.

　　Looking back on the lottery market in the past ten years, from 2010 to 2012, it experienced a double-digit rapid growth period, and then the growth rate gradually decreased to single digits, and negative growth occurred for the first time in the first half of 2019.

　　The data shows that from 2010 to the first half of 2012, the national lottery sales maintained a rapid growth of more than 20%, which was a period of rapid growth of China’s lottery market; In 2013 and 2014, the growth rate of national lottery sales fell below 20%; From 2015 to the first half of 2017, the growth rate of national lottery sales dropped significantly, only 5.2%, 3.5% and 5.5% respectively.

　　Where do people prefer to buy lottery tickets when lottery sales are relatively low? Geographically, data from the Ministry of Finance show that in June, compared with the same period of last year, lottery sales in 31 provinces all declined. However, from the cumulative data in the first half of the year, compared with the same period of last year, lottery sales in five provinces increased, namely Sichuan, Shanghai, Henan, Anhui and Beijing, with year-on-year increases of 1.681 billion yuan, 234 million yuan, 190 million yuan, 172 million yuan and 45 million yuan respectively. As far as the overall sales volume in the first half of the year is concerned, Guangdong, Jiangsu, Shandong, Zhejiang and Henan rank among the top five in the country.

　　cause

　　Strengthen the supervision of high-frequency fast-opening games

　　Why did lottery sales decline in the first half of this year? An expert in the lottery industry told reporters that at the beginning of this year, in order to regulate the lottery market, the Ministry of Finance, the Ministry of Civil Affairs and other departments strengthened the supervision of high-frequency quick-opening games and quiz games, extended the sales time of high-frequency quick-opening games and reduced the number of lottery games.

　　High-frequency fast-opening games mainly complete the process from sales to lottery every few minutes or ten minutes through electronic equipment.

　　The data shows that in 2017, the share of Fucai quick-opening games in the total sales of Fucai reached 40%. In that year, the total sales volume of national welfare lottery was 216.977 billion yuan, of which the sales of quick-opening games was 87.522 billion yuan.

　　A lottery player told reporters: "The number of high-frequency fast-opening games is small, there are many awards, and the lottery is frequent. Many domestic lottery buyers are speculative when buying high-frequency fast-opening games, and some lottery buyers can play all day and easily lose their minds."

　　The reporter noted that in January this year, the Ministry of Finance, the Ministry of Civil Affairs, and the General Administration of Sports issued a notice to adjust the rules of high-frequency fast-opening lottery games and quiz lottery games, and strengthen the supervision of the lottery market. According to the notice, in recent years, China’s lottery industry has generally shown a sustained and healthy development trend. At the same time, there are still irrational lottery buying phenomena in the lottery market, such as unauthorized use of the Internet to sell lottery tickets and large bets. In particular, the market supervision of welfare lottery quick-opening games, sports lottery high-frequency games and sports lottery national online single-game quiz games needs to be strengthened. The notice is clear. From February 11th, if the sales time of high-frequency quick-start games is shorter than 20 minutes, it will be adjusted to 20 minutes.

　　Since 2019, the number of contests and events for the annual quiz game shall not be higher than 70% of the number of contests and events for sale in 2018. The aforementioned experts also pointed out to reporters that the main reason is that there was a World Cup in June 2018. At that time, the sales volume of lottery was particularly large, and the sales volume of sports lottery was also particularly large. However, there were no important sports events in June this year. The sharp decline in sports lottery sales in June was an important factor in the decline in lottery sales in the first half of the year.

　　Ban on sale

　　Internet lottery is banned.

　　The ban on internet lottery sales also has an impact on lottery sales. The reporter noted that in August 2018, the Ministry of Finance and other 12 departments jointly issued a document resolutely prohibiting the unauthorized use of the Internet to sell lottery tickets.

　　Internet lottery had previously shown a blowout growth trend in 2014. The huge sales volume of nearly 100 billion yuan makes internet lottery purchase an important force to promote the development of lottery market.

　　In 2014, Internet lottery experienced a glorious period. Major sports events, including the World Cup in Brazil, boosted the sales of Internet lottery by 102% from 42 billion yuan in 2013 to 85 billion yuan, accounting for 20% of the total lottery sales. According to the Analysis Report of Internet Lottery Market in 2014, there were more than 100 million users in China who bought lottery tickets through Internet channels, and the Internet became an important betting platform and channel for users.

　　Since then, since 2015, the Ministry of Finance and other departments have repeatedly issued a document to prohibit the sale of lottery tickets through Internet channels. However, during the 2018 World Cup, a large number of mobile apps illegally sold lottery tickets through the Internet.

　　At that time, there were many fish that escaped from the net without being investigated. According to media reports, some apps have stopped selling lottery tickets through the search of "lottery tickets" in Android and Apple mobile phone stores, but there are still many softwares that can buy lottery tickets. In the early days of the World Cup last year, many companies launched online lottery platforms again. Finally, many online football lottery platforms such as "Winning the lottery every day" and "Everyone Winning the lottery" stopped selling on June 20 last year.

　　reform

　　Standardize the management of welfare lottery issuance

　　The corruption case of Fucai Center exposed last year aroused social concern. On November 9, 2018, the website of the Central Commission for Discipline Inspection published a heavy article: "Pay equal attention to reduction and suppression, treat both the symptoms and the root causes, rebuild the credibility of Fucai, and the discipline inspection and supervision team stationed in the Ministry of Civil Affairs will promote the formation of a good political ecology from typical cases", with more than 4,000 words, and released confession videos of four former leaders of China Welfare Lottery Issuance Management Center.

　　Statistics show that since the 18th National Congress of the Communist Party of China, at least 14 people in the civil affairs system have been held accountable for issues related to welfare lottery. Fucai’s anti-corruption has a long time span and a wide range, and has become a case of systematic corruption. In addition to the four leading characters in the confession video published on the website of the Central Commission for Discipline Inspection, four members of the party group, including Li Liguo, former Minister of Civil Affairs, Dou Yupei, former head of the discipline inspection team in the Ministry, Qu Shuhui and Chen Chuanshu, former president of the China Aging Association, were held accountable.

　　After the corruption case of Welfare Lottery, the Ministry of Civil Affairs has improved the management system of welfare lottery issuance, sales, distribution and use of public welfare funds, such as changes in the internal institutions in charge of welfare lottery management.

　　According to the Regulations of the Ministry of Civil Affairs on Functional Allocation, Internal Organizations and Staffing, before the reform, the management of welfare lottery was in charge of the Department of Social Welfare and Charity Promotion; After the reform, the welfare lottery management has been refined, and the planning and finance department and the newly established charity promotion and social work department are in charge.

　　On July 29, the Ministry of Civil Affairs held a press conference, and the relevant person in charge introduced that there are three main reform directions in regulating the issuance and management of welfare lottery tickets. First, cooperate with the Ministry of Finance, comprehensively rectify the unauthorized use of the Internet to sell welfare lottery tickets, and comprehensively conduct self-examination and inspection of national welfare lottery institutions and consignment agents. Second, vigorously adjust the rules of the quick opening game of welfare lottery to resolve the market risks of welfare lottery. The third is to improve the welfare lottery issuance management system.

　　

　　The girl’s schoolbag left at the scene was covered with a thick layer of ash.

　　

　　Fire scene.

　　

　　Grandpa was burned in the head.

　　Guangzhou Daily reported on March 10th.At 7: 30 pm last night, a fire broke out in a street-facing house in Yanbu, Nanhai, Foshan. A 7-year-old girl and her younger brother under 4 years old were burned alive at home. According to preliminary understanding, before the fire broke out, grandpa went out to call and locked it in the house, and the two brothers and sisters accidentally caused a fire by playing with fire at home.

　　After the fire broke out, grandpa immediately rushed home to open the rolling gate. When he saw the fire, he was nervous and did not rescue the child in time. When neighbors and fire officers and soldiers helped them fight the fire, they learned that there were two children in the house, but it was too late and the children had been burnt.

　　At present, the relevant departments of Foshan Nanhai are investigating this fire.

　　The scene of the incident:

　　The pink schoolbag is covered with dust.

　　The place where the fire broke out was the storefront downstairs of a villager’s self-built building in Hubang New Village, Yanbu, Nanhai, Foshan. The storefront was not open normally, and more than 10 square meters of cabins were divided into "duplex" for home use, with an attic as a bedroom on the top and a hall, kitchen and utility room on the bottom.

　　At 9: 30 am yesterday, the periphery of the incident scene was blocked by the police. The reporter saw that the outside wall of the store was almost blackened, and the house was in a mess. The walls and ceilings were blackened, the boards used as partition walls were burnt into coke, a thick layer of ashes was accumulated on the ground, the front of a motorcycle placed at the door was burnt out, and the washing machine was burnt into waves. There is also a small pink schoolbag on the stool at the door, which is covered with white dust.

　　At about 10 o’clock, the child’s grandfather came to the scene to assist in the investigation, and his forehead was burned. Subsequently, the child’s mother also rushed to the scene. After a night, their mood was slightly calm. With the help of the police, the child’s mother cleaned up the indoor items.

　　At about 11 o’clock, the police took the child’s grandfather to the scene of the fire for identification. At 11: 30, after the basic investigation of the fire scene was completed, the police closed the scene again.

　　Sad memories:

　　The child died after the fire was put out.

　　Alan (pseudonym) lives not far away. She said that at about 7: 30 pm that day, she suddenly found smoke billowing from the incident site. "After more than ten seconds, I heard an explosion, and then I saw the open flame start to jump out." Alan said that she saw her grandfather running out screaming while flapping the flames. She quickly ran to the Tiger List market to find security guards to put out the fire, and at the same time, she and her neighbors took out buckets from home to put out the fire. Two supermarket employees across the street also used fire extinguishers to put out the fire.

　　While everyone was busy putting out the fire, the son of the landlord upstairs suddenly asked his grandfather if there were any children in the house. Grandpa just came to himself at this time and stammered that the two children were still inside. Ten minutes after the alarm, the firefighters rushed to the scene and quickly put out the fire.

　　Auntie said that after the fire was extinguished, the children’s mothers, grandmothers and fathers also came one after another. Grandma rushed into the house to find her grandson, and she fainted at the scene. The child’s mother sat on the ground crying, while the child’s father squatted in the corner with his head in tears.

　　At 11 o’clock last night, in order to avoid the family members from being too sad after seeing the burnt child, the police cut off the power supply near the scene of the incident before the fire officers and soldiers took the child’s body out.

　　On the day of the incident:

　　Before the fire, Miss Sister was happy to eat candy.

　　Ms. Zeng, the grocery store owner who is only five storefronts away from the fire site, told the reporter that the children who were burned to death were two brothers and sisters. The 7-year-old sister was named Lili and the younger brother was only 4 years old.

　　Neighbor Alan said that the two children are very good, and the chubby sister often leads her brother to play at the door. She clearly remembers that on the day of the incident, when Lili passed by her door, she accidentally dropped the candy on the ground and was so anxious that she wanted to cry. Her mother gave her another candy, and Lili ran away happily.

　　Preliminary investigation:

　　Grandpa went out to play fireworks indoors with his younger brother and sister.

　　The reporter learned from the survey in Hubang Market that the resident in Hubang New Village is surnamed Xu, and his family is hardworking and capable. He once ran a rice shop business nearby a year ago, and then found a storefront in the market to start hardware and groceries business. At the same time, he rented No.61, and the Xu family lived in this place of more than 10 square meters. A small utility room was separated by wooden boards as a warehouse. In addition to quilts and mops, there were a small number of fireworks and firecrackers in the warehouse.

　　"Lili’s parents usually do business, while grandpa and grandma take care of their grandchildren at home." Neighbors told reporters that due to the busy business of the grocery store, on the day of the incident, grandma only left grandpa at home to accompany her granddaughter and grandson and went to the market to help herself. At 7: 30 pm, grandpa pulled the shutter to lock the younger brother and sister at home and called a nearby public telephone booth. About 10 minutes later, when he came home, a fire broke out at home. "There is something wrong with his spirit", and he was immediately scared by the thick smoke.

　　Yesterday morning, the police conducted an investigation on the scene of the incident. According to the preliminary investigation results, it may be that the younger brother and sister played with fireworks indoors and accidentally ignited other flammable materials, causing a fire. "They should have set those goods on fire while playing inside," Lili’s grandfather said yesterday.

Editor: Sun Jie

　　CCTV News:Today (November 28th), a new round of real estate control policy was introduced in Shanghai. For households who already own a house in Shanghai or have no housing in Shanghai but have housing loan records (including commercial or provident fund housing loan records), the down payment ratio is not less than 50%.

　　The Shanghai Municipal Commission of Housing and Urban-Rural Development, the Shanghai Branch of the People’s Bank of China and the Shanghai Banking Regulatory Bureau jointly issued the Notice on Promoting the Stable, Healthy and Orderly Development of the Real Estate Market in this Municipality and Further Improving the Differentiated Housing Credit Policy. The Notice stipulates that,As agreed by the self-discipline mechanism of Shanghai market interest rate pricing, the following requirements are made for differentiated housing credit policies:

　　Since November 29, 2016, if a household purchases the first set of housing (that is, if there is no housing in this city under the name of the household and there is no commercial housing loan record or provident fund housing loan record) and applies for a commercial personal housing loan, the down payment ratio shall not be less than 35%.

　　In this city has a set of housing, or in this city has no housing but housing loan records (including commercial or provident fund housing loan records) of households to apply for commercial personal housing loans, the purchase of ordinary self-housing, the down payment ratio is not less than 50%; For those who purchase non-ordinary self-occupied houses, the down payment ratio shall not be less than 70%.

　　The "Notice" requires that all housing management departments should strengthen the review of housing transactions and conscientiously do a good job in housing credit housing information inquiry. Commercial banks should continue to strengthen the audit of the source of down payment funds and the authenticity of income certificates, and carefully grasp the specific implementation level according to the borrower’s family credit status and solvency. For those who have the characteristics of investment and speculative housing purchase, the down payment ratio and interest rate should be strictly determined. People’s Bank of China Shanghai Branch and Shanghai Banking Regulatory Bureau will strengthen supervision and inspection. In addition, the Shanghai Banking Regulatory Bureau, together with the land regulatory authorities, has thoroughly verified the sources of funds for some land auctions, and is taking administrative punishment measures against banking financial institutions that have verified that funds have entered the land trading market in violation of regulations. Follow-up will also actively cooperate with relevant departments to continuously carry out the verification of the source of land transaction funds.

　　On the same day, the Shanghai Housing Provident Fund Management Committee issued the Notice on Adjusting the Personal Loan Policy of the Housing Provident Fund in this Municipality:

　　First, strictly implement the differentiated credit policy of provident fund. On the premise of distinguishing between the first and second home purchases, the down payment ratio for the second improved home purchase will be raised to 50% for ordinary commercial housing and 70% for non-ordinary commercial housing, the loan interest rate for the second ordinary commercial housing will be raised by 10%, and the maximum personal loan for the second ordinary commercial housing will be lowered by 100,000 yuan, and loans will be stopped from being issued to employees’ families with two provident fund loans.

　　The second is to reflect the fairness, sustainability and risk control of the provident fund system. The multiple of the loan amount determined by the borrower with the balance of the provident fund deposit account decreased from 40 times to 30 times; Strictly implement the calculation ratio of the repayment ability of the Ministry of Housing and Urban-Rural Development to reduce the monthly repayment amount to no more than 40% of the salary base, and the caliber of the second set of improved housing identification standards.

　　In addition, the city will increase the supply of commercial housing land to ensure that the supply of commercial housing land will increase year-on-year in 2016. Further strengthen the management of pre-sale behavior of commercial housing, strengthen the supervision of real estate enterprises and employees, continue to carry out special rectification of the real estate market order, and resolutely crack down on property hoarding, speculation of housing prices, false advertisements, deception of consumer transactions and various price violations by real estate development enterprises and brokerage enterprises; We will intensify efforts to investigate and deal with acts such as compiling rumors, spreading false information and disrupting market order, and deal with them severely according to the law and regulations. Cultivate and develop the housing rental market, encourage social professional institutions to continuously expand the scale of agency leasing business, effectively implement the registration and filing system of residential housing lease contracts, standardize housing leasing behavior, stabilize housing leasing relations, and protect the legitimate rights and interests of leasing parties.

　　The city will continue to adhere to the housing market system of "residence-oriented, citizens-oriented and ordinary commodity housing-oriented", constantly improve the "four-in-one" housing security system, continue to strictly implement the provisions of "Shanghai Nine Articles" and "Shanghai Six Articles" in accordance with the requirements of the state on housing purchase restriction and loan restriction, strengthen the responsibility of market regulation, strengthen supervision and inspection, implement the assessment system, ensure the implementation of various regulatory policies, and promote the stability of the city’s real estate market.

　　Policy question and answer

　　1. How do commercial banks identify the first home loan?

　　A: If a resident’s family has no housing in Shanghai, and the credit information system of the People’s Bank of China shows that there is no record of commercial housing loans or provident fund housing loans in all parts of the country, it will be implemented according to the first home loan policy, and the down payment ratio will not be less than 35%.

　　Second, how do commercial banks identify second-home loans?

　　Answer: If a resident’s family has no housing in Shanghai, but there are commercial housing loan records or provident fund housing loan records in all parts of the country through the credit information system of the People’s Bank of China, or if it is found in the Shanghai real estate transaction system that he already owns a house (whether he has a housing loan record or not, whether his housing loan is settled or not), the second home loan policy will be implemented, that is, if he buys an ordinary self-occupied house, the down payment ratio will be no less than 50%; For those who purchase non-ordinary self-occupied houses, the down payment ratio shall not be less than 70%.

　　3. When will this policy adjustment be implemented?

　　A: In order to minimize the impact of policy adjustment on newly applied families, this policy adjustment is based on the online signing time of the house purchase contract. If the online signing time is after November 29th (inclusive), the new policy will be implemented; if the online signing time is before November 28th (inclusive), the original policy will remain unchanged.

　　Four, how to purchase housing information query for housing credit?

　　Answer: After signing the house purchase contract, the borrower and his family members should apply to the Municipal Housing Information Center to check the housing situation under the family name with the house purchase contract, the Borrower’s Family Housing Inquiry Application Form reviewed by the loan bank, the identity documents of the borrower and his family members, household registration book, marriage certificate and other materials, and the Municipal Housing Information Center will issue the inquiry results within 5 working days after accepting it, which will serve as the basis for the loan bank to examine the loan.

　　In order to facilitate the inquiry procedures, most commercial banks in Shanghai provide agency services for housing information inquiry. With the authorization of the parties, the loan bank can handle the inquiry with the relevant materials to the Municipal Housing Information Center.

　　V. The "Notice" proposes to strictly verify the information about the housing situation of the households who purchase houses. What are the specific contents?

　　A: Shanghai Housing Information Center will strictly verify the information about the borrower’s family housing situation with all lending banks. First, check the information about the housing situation declared by the borrower under the names of his family members; The second is to check the marital status and other information declared by the borrower through networking with civil affairs departments; The third is to compare the consistency of the borrower’s declaration of relevant information in property tax, housing purchase restriction and differentiated housing credit application.

　　6. What is the basis for this adjustment of provident fund loan policy?

　　A: According to the differential credit policy of Shanghai housing provident fund, in the past, it was mainly to review the housing situation under the name of the family applying for loans. Even if the paid-in employees have used provident fund loans, they can still apply again after paying off. This adjustment is to simultaneously review the housing situation under the family name and the provident fund loan record. For the families of paid employees who have purchased the first set of housing and have never used the provident fund, the differentiated credit policy of the provident fund will not be adjusted; For the paid workers’ families who have used the provident fund loan once, even if there is no house under their name, they can only enjoy the second set of improved housing loan policy; The third provident fund loan will not be issued to the paid employee families who have used the provident fund loan twice. This is conducive to the differentiation and fairness of provident fund loans, but also reflects the object of provident fund support.

　　Adjusting the loan policy of the second set of improved housing is a corresponding adjustment according to the requirements of this real estate regulation and control. In 2010, the Ministry of Housing and Urban-Rural Development and other four ministries and commissions required that the down payment ratio of the provident fund for the second set of improved housing should not be less than 50%, and the loan interest rate should not be less than 1.1 times of the loan interest rate for the first set of housing provident fund in the same period. In November 2014, in order to support housing consumption, according to the documents of the People’s Bank of China and the China Banking Regulatory Commission, Shanghai implemented the provident fund loan policy for purchasing the second set of improved ordinary housing with reference to the first set of housing policies. However, under the current background of real estate regulation and control, the down payment ratio, provident fund loan interest rate and maximum loan limit are adjusted accordingly to better reflect the differentiated management with the first set of first-time home buyers.

　　The adjustment of the monthly income base ratio of the borrower’s ability to calculate repayment is based on the spirit of "the upper limit of the ratio of monthly repayment amount to monthly income is controlled at 50%-60% on the premise of ensuring the borrower’s basic living expenses" in the Notice on Effectively Improving the Use Efficiency of Housing Provident Fund (Jian Jin [2015] No.150). At present, the repayment ability of provident fund borrowers in Shanghai is calculated as the monthly repayment principal does not exceed 50% of wage income. If interest is added, the monthly repayment amount accounts for about 70% of wage income, which exceeds the upper limit control standard of 50%-60%. This adjustment from 50% to 40% can truly reflect the borrower’s solvency, and the monthly principal and interest payments are controlled within the scope stipulated by the policy to reduce the risk of default of provident fund loans.

　　The strict identification of purchasing the second improved housing is further clarified according to the spirit of "The second housing provident fund personal housing loan is only granted to the paid workers’ families (including borrowers, spouses and minor children) whose existing per capita housing construction area is lower than the local average level, and the loan purpose is only limited to the purchase of ordinary self-occupied housing with improved living conditions" in the Notice on Relevant Issues Concerning Regulating the Housing Provident Fund Personal Housing Loan Policy (Jian Jin [2010] No.179).

　　To calculate the deposit balance multiple of provident fund loan amount, the loan risk leverage and the principles of mutual assistance, fairness, sharing and sustainability of housing provident fund are usually considered comprehensively. Other cities in the country are not higher than 25 times, generally between 10 and 20 times. Shanghai has taken into account factors such as policy continuity and gradual progress, and this time it is appropriately lowered from 40 times to 30 times (the supplementary provident fund is lowered from 20 times to 10 times).

　　7. What is the self-discipline mechanism of Shanghai market interest rate pricing?

　　A: The self-discipline mechanism of Shanghai market interest rate pricing is a self-discipline coordination mechanism of Shanghai banking financial institutions under the supervision and guidance of the Shanghai Headquarters of the People’s Bank of China, which plays an important role in Shanghai real estate financial regulation and control. First, according to the requirements of Shanghai real estate regulation and control, under the guidance of the Shanghai Headquarters of the People’s Bank of China, according to the principle of "making policies according to the city", the differentiated housing credit policy adjustment plan is determined through consultation. Second, it has played a key role in unifying the specific implementation standards of differentiated housing credit policies, standardizing the cooperation between commercial banks and real estate intermediaries, preventing off-site fund-raising and leverage in the real estate market such as "down payment", and maintaining the order of the housing financial market, effectively urging commercial banks to fully implement Shanghai’s real estate financial regulation and control policies. (CCTV reporter Sheng Yuyu)

Looking back on the "big events" in the world sports in 2023, "adding five major events such as flag football to the Los Angeles Olympic Games in 2028" is definitely among the best.

Entering the "Olympic era" will undoubtedly make flag football one of the most promising sports in China in the future. At this moment, it has also become a crucial "fate node" for China’s flag football-from the free development of the people to the aim of attacking the international competition stage, the selection of the national team, the establishment of the local youth training system and the preparation plan for the competition are all imminent, which can be described as tight time and heavy tasks.

Happily, an unprecedented flag football match held in Jiading District of Shanghai last weekend made a good start.

The first competition was on such a scale.

? ?Liveliness is the reporter’s first impression of this game.

? ?The "2023 National Flag Rugby Championship", sponsored by the National Olympic Sports Center and the Chinese Rugby Association and hosted by the Shanghai Rugby Association, attracted 83 flag rugby teams from all over China, including Beijing, Shanghai, Guangzhou, Shenzhen, Wuhan, Tianjin, Hangzhou, Suzhou, Foshan, Ningbo, Nanchang, Wenzhou and Suzhou, and they competed fiercely in the two-day competition.?

There are five groups in the competition: U18 men’s group, U18 women’s group, U20 men’s group, open men’s group and open women’s group. Among the 892 athletes, there are students, white-collar workers, teachers, fitness coaches, hosts and retired athletes. They are all gathered together, which is more like enjoying a long-awaited festival. "I hope that through this national championship, I can learn from the stronger players, constantly improve my skills, and strive for higher achievements in the sport of flag football." Hu Ruijie, a college student player from Anhui, said.

?? ? ?"It’s amazing that the first national flag football championship can have such a scale! Insiders know that this sport has rich spiritual connotation: teamwork, courage, love, unity, respect, discipline, persistence, unity and execution … are vividly displayed on the court. This sport was once hidden in the boudoir, but now it has a considerable mass base. " Chen Yingbiao, director of the National Olympic Sports Center, said.

Chen Yingbiao (front row, right), director of the National Olympic Sports Center, presented trophies to the winning teams.

"The first stop of dressing", Shanghai is the most suitable.

In an interview, Chen Yingbiao thinks that an international metropolis like Shanghai is the best place to become the first stop for China’s flag football to enter a "new era". "Our consideration at that time was that it was urgent to start it in Shanghai at the end of this year." Chen Yingbiao said.

It is no exaggeration to say that Shanghai is "the most suitable".

Generally speaking, the selection process of traditional sports is not only supported by the youth training system and school sports teams that have sunk to various counties, cities and villages, but also has large and small events for athletes all over the country, so that they can further improve themselves in the process of showing themselves and invest in higher-level training and competitions. Specific events such as table tennis and shooting have a relatively sound points system. Based on the principle of "competition for the best", athletes can get the opportunity to play for the five-star red flag on their chests through fair competition. But these measures, flag football seems to have none.

A senior insider told reporters that because of the "barbaric growth" among the people for many years, many athletes who can represent the highest national flag level are "lurking" in these campuses and folk clubs. It is precisely because of this that, unlike other projects with a good foundation, the formation of the national flag team is closely related to the level of mass participation.

Eighty-three flag football teams from Beijing, Shanghai, Guangzhou, Shenzhen, Wuhan, Tianjin, Hangzhou, Suzhou, Foshan, Ningbo, Nanchang, Wenzhou, Suzhou and other parts of the country competed fiercely in the two-day competition.?

Let as many folk football players as possible gather together, and through selection, let the outstanding players change their club jerseys into national team jerseys. There is no better "dressing stage" than Shanghai, a "land of rugby".

"We hope to take Shanghai as a starting point and this competition as an opportunity to further increase regional competitions in the coming year, and strive to achieve weekly competitions in various provinces and cities. We hope to release the charm of flag football and let schools, social clubs and even enterprises participate extensively." Chen Yingbiao said.

There are many data that can prove this "soil". From 2020, the first national flag rugby community activity was organized by the Shanghai Rugby Association and called on all member units to develop together. This new outdoor sports mode of sports+socialization, which is widely sought after by young people and commercial brands, has rapidly warmed up all over the country, attracting tens of thousands of young people to participate. At the peak, there were nearly 500 flag football communities in China to popularize flag football and organize events in various places.

The number of teams participating in organized amateur adult equipment leagues in China has increased from 8 in 2014 to nearly 80 in 2023. At most, there are more than ten football teams equipped in Shanghai. There are more than ten national top-level college flag football teams in Shanghai all the year round, which are active in amateur competitions of the Municipal Education Commission and the sports system.

In recent years, with the implementation of the "double reduction" policy, the flag football has officially become the content of the public welfare distribution class of the Shanghai Municipal Education Commission to serve the schools in the city. There are countless non-governmental training institutions operating in the market. As early as 2018, data showed that more than 8,000 primary school students in Shanghai were trained in rugby courses at least once a week; Every year, in the Super Bowl, nearly 10 million China viewers watch the live broadcast of the event on TV and new media platforms, among which Shanghai fans account for the majority. In addition, Shanghai is also the most representative American football town-there are not only many clubs, but also a set of scientific management models, which regularly organize training and competitions.

Rugby is the highlight of Shanghai City Amateur League.

? The year-round folk games have become the core of revitalizing this football hotspot. In the past two years, Shanghai Sports Bureau has promoted rugby to the highest level of Shanghai amateur league-league events. The rugby amateur league, which is created by the Football Association, includes four categories: equipment, flag, English and touch. Only the flag football events are subdivided into: U6U8U10U12U14U16 college group, open men’s group, open mixed group, open women’s group, inter-school group, etc … Even during the epidemic period, more than 30,000 adults and teenagers participated in the games in Shanghai.

? ?The Shanghai sports management department also brought rugby into the city amateur league, and the government set up a platform to promote and popularize rugby with high-quality resources. All kinds of rugby fans with different genders, different ages, different cultural backgrounds and different sports foundations participated in it. As the main body of the competition, the Shanghai Football Association has attracted the "assist" of the NFL, the top professional sports league, with its authoritative and professional style of running the competition. It can be said that many parties have worked together to cultivate the "soil".? ?

Can the "Olympic East Wind" bring more competitions?

It is really urgent for the national flag team to prepare for the upcoming competition from scratch. It is believed that in addition to selecting outstanding social clubs and campus teams, it is very likely that some existing rugby players will be transformed into waist flags, or the logic of rugby will be continued, and athletes with physical conditions suitable for waist flags will be selected from other events such as track and field for training.

However, in any case, the first batch of truly high-level professional flag football players will be ushered in China sports world, and the training mode of flag football talents has also been able to start a new "engine"-it is understood that the Youth Training Center of Shanghai Sports Bureau has started the registration of young athletes in new projects, and some district sports bureaus arranged in advance have also started exchanges with the Shanghai Football Association to seek a new mode of cooperation in training; In addition, we also have every reason to expect that with the blowing of the "Olympic East Wind", Shanghai, as a "land of rugby", can serve as an excellent springboard and platform for China’s flag rugby events to a higher level-from mass events to professional events and international competitions.

Luo Wenhua, deputy director of the Shanghai Municipal Sports Bureau, told reporters that the enthusiasm shown by all sectors of society and student groups for the waist flag rugby reflects that Shanghai has a mass base for hosting high-standard rugby matches. "The purpose of hosting more top-level events in Shanghai is to enable more people around to pay attention to these projects and participate in them, so as to improve their physical fitness while enjoying sports."

? ?It is expected that the flag football will become a "good card" for Shanghai to accelerate the construction of the international sports capital.