标签归档 西安桑拿

　　Xinhua News Agency, Nanning, January 24th Question: The explicit test questions have turned over candidates, and the Education Department can’t stand it!

　　Xinhua News Agency "China Net" reporter Pan Qiang Zhu Lili

　　"Have you ever had sexual intercourse with the opposite sex?" "What is good about AIDS?" "Have you chosen the opposite sex idol in your heart?" "Do you want to borrow a good seed?" … … Recently, two shocking papers of Guangxi Beihai College of Art and Design were hotly debated on the Internet because of their explicit and willful examination questions. Why did the examination questions that should be serious turn into a thorough investigation involving personal privacy? Why can these seemingly "three views" questions, which have nothing to do with majors, enter the examination room? Where is the review and supervision mechanism behind the test paper proposition? Xinhua News Agency "China Netscape" reporter launched an exclusive investigation.

　　The shocking test paper caused online controversy.

　　On the 20th, two test questions printed with "Final Examination Paper of Beihai College of Art and Design" spread wildly on the Internet, and the test paper was circulated as the final examination questions of two ideological and political courses in the school. "Is it wrong to dream of marrying a wife?" Some of the questions are quite explicit.

　　Many netizens said that the magical examination questions can’t help but make people feel numb. Some people think that students’ personality is insulted, their privacy rights are violated, and even the proposers are denounced.

　　Have the questions been reviewed? What is the teacher’s code of conduct? The reporter of "China Netscape" interviewed the parties exclusively.

　　"The pictures circulating on the Internet are real, which is my question. However, due to mistakes in the printing process, ‘ Second-year thinking questions ’ Printed as ‘ Final examination paper ’ 。” Zheng, the executive director of the school, said that the "final examination papers" of the two courses had been finished on the 12th of this month, and the two topics on the 20th were additional thinking questions.

　　Zheng showed the reporter the record that he passed the examination questions to the work group on January 11th, and its title was "Thinking Questions for Grade Two".

　　The reporter got four papers from the school. From the "Final Examination Paper" on January 12, I saw that the topics included objective questions, subjective questions and judgment questions, all of which were outline contents. Li Gaonan, secretary of the Party Committee and education supervisor of the school, said that two "final examination papers" have been reported and tested as required.

　　"The two papers on the 20 th are open-ended papers, and there are no standard answers. Students can score as long as they answer, or they can give up answering." Zheng said.

　　Beihai College of Art and Design, located in Beihai City, Guangxi, is a second art and design college approved by the Ministry of Education. The school began enrolling students in 2000 and currently has more than 10,000 students. When the reporter arrived at the campus for an interview, the school had already had a holiday and few students were there.

　　Zheng said that similar examination contents have appeared for many years, generally for freshmen and sophomores, and will be adjusted every year according to the current popular social phenomena.

　　On 23rd, education department of guangxi released the results of the survey: the examination questions on January 20th reflected on the Internet were not the final examination questions of the above two courses, but the "thinking questions" of the first and second grades given by Zheng, and these thinking questions were not the prescribed course examination contents. "Thinking questions" changed into "examination papers" because the relevant personnel of the school were extremely irresponsible in their work, and two sets of thinking questions were printed under the title boxes of two final examination questions.

　　Education department of guangxi has instructed the school to make a written in-depth inspection and immediately rectify the existing problems. Zheng, the executive director of the school, resigned and dismissed a vice president, director of the academic affairs office and director of the academic affairs office.

　　Spying on privacy or reverse thinking?

　　The reporter got these two controversial questions from the school, including 48 questions and 53 questions respectively, covering sexual health, AIDS, personal feelings, comprehensive quality and other aspects. Students can answer with their real names or give up, and some questions do not need to be answered.

　　"The original intention of the question is actually to improve students’ safety awareness." Zheng said that the university is a critical period for students to establish a correct "three views". At present, some students lack awareness of prevention, which leads to irreparable consequences. "The examination questions are to stimulate students to pay attention to their own safety through reverse thinking."

　　"For example ‘ What’s good about AIDS ’ We want to stimulate students’ nerves and pay attention to sexual health and safety. " Zheng said.

　　The reporter saw from the test questions that the shocking and explosive test questions accounted for about 20%, and others included, for example, "What is the meaning of life?" "How to understand ‘ Serve the people ’ ？” "How did ideas come into being?" Waiting for a topic full of positive energy.

　　The reporter interviewed a number of students. A student majoring in animation in 2018 said that more than 40 students in the class basically answered the questions. Some students think that getting answers in this way is suspected of infringing on privacy, and some students say that "they are all adults, and their sexual health awareness can be improved through the answer sheet", expressing their understanding to the questioner.

　　Li Gaonan said frankly that the questioner was not malicious, but this way of asking questions is debatable. The school does have problems in proposition management, and some comrades lack a sense of responsibility. The school will learn from it and correct it in the future.

　　Expert: Personalized test questions should avoid being possessed.

　　Many insiders said that this incident not only exposed the irregularity of the school’s own working procedures, but also revealed that the relevant departments were not strict in implementing certain systems, the supervision was not in place, and there was a lack of guidance for some improper personalized examination methods.

　　Li Li, a lawyer in Guangxi Branch of Beijing Shangheng Law Firm, believes that it is mandatory to test by means of real-name questionnaire, and there is a great risk of revealing personal privacy. Problems in any link, such as the release of scores, the sealing of test papers, personal information, etc., may have adverse effects on students. "In the future, real-name registration system or examination should be avoided and information preservation should be paid attention to".

　　Sun Xiaoying, a researcher at Guangxi Academy of Social Sciences, said: "The focus of social debate is actually how to educate students in a more effective way. It is understandable that some colleges and universities engage in innovative teaching and personalized examination questions, but they should not be" possessed "for the pursuit of personalization, let alone abused. Understanding students’ ideological trends can take a more warm and flexible way, such as heart-to-heart talks or anonymous questionnaires. " Sun Xiaoying said.

　　Cctv newsThe full implementation of the registration system is a major reform involving the overall situation of the capital market. The promulgation and implementation of the rules of the registration system in an all-round way indicates that the institutional arrangement of the registration system has been basically finalized, and that the registration system has been extended to the whole market and all kinds of public offering of shares, which is a milestone in the reform and development of China’s capital market. On February 17th, 2023, in accordance with the unified deployment of China Securities Regulatory Commission, Shanghai Stock Exchange officially issued 26 business rules, guidelines and guidelines that are compatible with the full implementation of the stock issuance registration system. The relevant person in charge of the Shanghai Stock Exchange answered the reporter’s questions on issues of market concern.

　　1. Please introduce the general situation of the business rules issued this time.

　　A:In order to implement the decision of the CPC Central Committee and the State Council on the full implementation of the registration system, under the unified leadership of the China Securities Regulatory Commission, the Shanghai Stock Exchange formulated or revised the supporting business rules for the full implementation of the registration system, which was officially released to the market with the approval of the China Securities Regulatory Commission.

　　This time, the Shanghai Stock Exchange issued 26 business rules, including 9 major business rules, such as the Rules for the Examination of Stock Issuance and Listing of Shanghai Stock Exchange, which has been publicly solicited for comments, and 17 supporting business rules, guidelines and business guides. These 26 rules, together with other rules of this Exchange, constitute a business rule system to ensure the smooth implementation of the full registration system in Shanghai Stock Exchange.

　　These 26 business rules cover the main institutional arrangements of listing review, underwriting, continuous supervision, trading organization management and investor protection under the full implementation of the registration system. Specifically, it includes four categories: (1)11 rules for IPO review, namely IPO review rules, refinancing rules, merger and reorganization rules, preferred stock review rules, and guidelines and guides for application document acceptance, on-site supervision, business consultation and communication. (2) Six underwriting rules, including the underwriting rules for initial public offering and refinancing, as well as the online and offline issuance rules, the working rules of the self-discipline committee and the guidelines for the listing announcement. (3) Two continuous supervision rules, namely, the main board listing rules and major asset restructuring guidelines. (4) Seven trading organization and management rules, namely, trading rules, margin trading rules, refinancing securities lending trading methods, abnormal trading monitoring rules of the main board and science and technology innovation board, notice that stocks and depositary receipts will not be used as stock pledged repurchase and agreed repurchase securities under the registration system for the time being, and a guide to the necessary clauses of the main board risk disclosure.

　　After the comprehensive implementation of the registration system and the centralized release of supporting business rules, the Shanghai Stock Exchange will pay close attention to the integration and cleaning up of other business rules, strengthen adaptability, integration and synergy, and further promote the construction of a "concise and friendly" rule system.

　　2. In the early stage, the Shanghai Stock Exchange publicly solicited opinions from the public on nine supporting business rules, including the review rules for stock issuance and listing. Please briefly introduce the relevant situation.

　　A:From February 1 to February 8, 2023, the Shanghai Stock Exchange publicly solicited opinions from the market on nine major business rules through official websites, emails, 400 hotlines and symposiums. The opinions of members, relevant market institutions and self-regulatory organizations were solicited on the four business rules. Issue questionnaires to get a broad understanding of investors’ and market practitioners’ comments on the reform and opinions on the work of the Shanghai Stock Exchange.

　　Generally speaking, all parties highly agree with the full implementation of the registration system. It is generally believed that the full implementation of the registration system is of great significance to improve the multi-level capital market system, enhance the capital market’s ability to serve the real economy, and help the high-quality economic development, marking that the capital market has entered a new historical development stage. All parties in the market have fully affirmed the supporting business rules for soliciting opinions, which are considered to reflect the objectives and requirements of the registration system reform.

　　As of February 8, the Shanghai Stock Exchange has received 128 specific opinions and suggestions related to the rules from various market entities. The Shanghai Stock Exchange attaches great importance to the opinions and suggestions from all walks of life and carefully studies them one by one. Among them, more than 30 articles were adopted, mainly involving extending refinancing, reorganizing the submission time of working papers of intermediaries, optimizing the callback mechanism of the main board and standardizing the quotation behavior of offline investors. Some opinions are not adopted, and some belong to the implementation level, which will be implemented in the implementation of the rules; Some of them belong to the level of understanding, and the follow-up will be clarified by increasing training and publicity; Some of them are still controversial, which will be further studied and demonstrated.

　　III. Please briefly introduce the detailed rules for real-time monitoring of abnormal stock trading on the main board of Shanghai Stock Exchange and the detailed rules for real-time monitoring of abnormal stock trading in science and technology innovation board of Shanghai Stock Exchange.

　　A:In order to improve the transparency and standardization of the supervision of abnormal stock trading under the full implementation of the registration system, the Shanghai Stock Exchange, on the basis of adhering to the continuity, stability and predictability of the supervision rules, summed up the practical experience of supervision and combined with the opinions and suggestions of market institutions, formulated the Detailed Rules for Real-time Monitoring of Abnormal Stock Trading on the Main Board of Shanghai Stock Exchange (hereinafter referred to as the Detailed Rules for Monitoring Main Board Stocks). The main contents are as follows: First, the qualitative description and quantitative indicators of typical abnormal trading behaviors of main board stocks are disclosed, and the monitoring standards of 14 typical abnormal trading behaviors of 5 categories are stipulated to further clarify market expectations. The second is to optimize and improve some monitoring indicators, improve the accuracy of supervision, and reduce unnecessary intervention in transactions. Third, the stocks with serious abnormal fluctuations, risk warning stocks and delisting stocks will be included in the key monitoring scope, so that abnormal transactions can be strictly identified and regulatory measures can be taken to prevent trading risks.

　　At the same time, the Shanghai Stock Exchange revised the Detailed Rules for Real-time Monitoring of Abnormal Trading in science and technology innovation board Stock of Shanghai Stock Exchange (hereinafter referred to as the Detailed Rules for Monitoring science and technology innovation board Stock) to adapt to the adjustment of the upper rules such as the Trading Rules of Shanghai Stock Exchange (hereinafter referred to as the Trading Rules) and further improve the monitoring standards, which are basically consistent with the Detailed Rules for Monitoring Main Board Stocks. The Detailed Rules for Monitoring the Main Board Stock and the Detailed Rules for Monitoring the science and technology innovation board Stock are positioned as the subordinate rules of the Trading Rules. Where there are no provisions in the Detailed Rules for Monitoring the Main Board Stock and the Detailed Rules for Monitoring the science and technology innovation board Stock, the Trading Rules and other relevant provisions shall apply.

　　Four, please introduce the main differences between the underwriting mechanism of the main board’s initial public offering under the full implementation of the registration system.

　　A:The Detailed Rules for the Issuance and Underwriting of Initial Public Offerings of Shanghai Stock Exchange issued and implemented this time are applicable to the main board and science and technology innovation board. According to the reform direction of marketization and rule of law, combined with the characteristics of the stock plate, we reformed and improved the main board issuance and underwriting system, copied and popularized the practical experience of the previous pilot registration system, and adjusted and optimized the mechanism arrangements such as pricing and placing; While enhancing inclusiveness and adaptability, market constraints have been strengthened based on considerations such as taking into account stocks, preventing and controlling risks, and protecting the rights and interests of small and medium-sized investors. Compared with before the reform, the main differences of the underwriting mechanism of the main board initial issuance are as follows:

　　The first is the pricing mechanism.It is clear that the issue price and scale of new shares are mainly determined by marketization. Enterprises with smaller issuance scale will continue to retain direct pricing and add a reference upper limit for pricing. Further improve the inquiry pricing, and optimize the mechanisms for offline investors to fill in the price, the upper limit of the highest quotation rejection ratio, the disclosure of quotation information, the pricing reference value, and the issuance of special announcements on investment risks. It is clear that offline issuance can be restricted by lottery or proportional sales, further increasing the quotation constraints of offline investors.

　　The second is the subscription and placement.The subscription unit for new shares of online investors on the main board will be adjusted from 1,000 shares to 500 shares, which is consistent with science and technology innovation board. It is clear that when the online subscription multiple is high, on the basis of ensuring that a large proportion of new shares are issued to online investors, the upper limit of the proportion after the callback of the main board will be adjusted from 90% to 80%. According to the difference in the number of issues, the scale of strategic placement and the arrangement of the number of participating investors are clarified.

　　The third is risk prevention and control.Improve the implementation mechanism of over-allotment option. A new mechanism for coping with major changes in the market allows issuers and lead underwriters to require offline investors to pay a certain amount of deposit, and it is clear that investors who abandon the purchase can make a secondary placement.

　　5. On the basis of promoting the "open door audit" in the early stage, how can the Shanghai Stock Exchange further strengthen the openness, transparency and predictability of the audit work and strengthen the supervision mechanism of clean government?

　　A:The Shanghai Stock Exchange attaches great importance to the supervision of clean government, consciously accepts the supervision and inspection of the China Securities Regulatory Commission on the stock issuance of the exchange and the supervision of the discipline inspection and supervision team stationed in the CSRC, closely cooperates with the on-site supervision of the Shanghai Stock Exchange Working Group of the discipline inspection and supervision team stationed in the CSRC, insists on the simultaneous deployment and implementation of clean government construction and business work, continuously improves the restriction and supervision mechanism for the operation of the issuance and listing review power, and embeds various supervision requirements into the whole process of registration system reform. Strengthen supervision and accountability for discipline, adhere to one-stop promotion, do not dare to rot, do not want to rot, keep an eye on key personnel, key positions and key links, strengthen management supervision, strictly discipline and accountability for violations of laws and regulations, and ensure that the registration system reform is stable and far-reaching. At the same time, further strengthen the openness, transparency and predictability of the audit, and increase the intensity of "opening the door to audit".

　　First, strengthen the supervision and checks and balances of the audit of issuance and listing.Further improve the audit procedures, optimize the audit and decision-making mechanism of the audit department of issuance and listing, and achieve "clear responsibilities, responsibility on duty, grading control, collective decision-making, and effective checks and balances". We will ensure that members of the two committees perform their duties independently and give full play to their independent performance and professional checks. Comprehensively sort out the operation process of issuing and auditing public power, clarify the positions, integrity risk points and prevention and control measures for exercising public power, and establish and improve the supervision and restriction mechanism covering the whole process of each link.

　　The second is to deepen the embedded supervision mechanism of the whole chain.Enrich supervision methods, focus on key positions and key links in the operation of stock issuance review power, and carry out full-chain, full-process and all-round supervision. Promote the organic integration of discipline inspection and supervision, organizational supervision, audit supervision, financial supervision and other kinds of supervision, and form a joint force of supervision. Take the initiative to accept social supervision, regularly carry out clean government supervision return visits, clean government evaluation, special research, and listen to opinions and suggestions from market entities and relevant departments such as issuers, listed companies and intermediaries.

　　The third is to continue to promote the "sunshine use right".Strengthen the disclosure of audit standards by issuing business guidelines, business guidelines and market training. Accelerate the combing of typical cases, enrich the dynamic content of audit, strengthen policy interpretation, better protect the market participants’ right to know, participate and supervise, and minimize the space of discretion. Strengthen the disclosure of audit information, and make the entire audit process, audit process and audit results public by relying on the IPO audit website and IPO audit system.

　　The fourth is to establish and improve the consultation and communication mechanism of full coverage and whole process.Revise the business consultation and communication guide, expand the IPO business consultation and communication to refinancing, merger and reorganization, and transfer the board, and appropriately broaden the participants of consultation and communication before project declaration. Optimize the communication channels before the declaration, during the audit and after the meeting, improve the level of consultation reception, and effectively improve the quality and efficiency of consulting services. Ask for a clear reply to the consultation question and solve the problem effectively; If it is difficult to answer directly, clearly review the concerns and improve the suggestions.

　　The fifth is to create a good environment for honest employment.After an enterprise submits an application for issuance and listing to the Shanghai Stock Exchange, the Shanghai Stock Exchange will immediately send an initiative letter to the chairman, general manager and secretary of the board of directors of the enterprise to jointly promote the "open door audit", introduce the necessary process of the audit, provide convenient communication channels, reiterate that there is no need to ask for help and find a "way", and clarify the discipline and requirements related to clean government, so as to facilitate the issuer to better supervise the audit work. Improve the integrity commitment system of issuers, sponsors and related entities, and require relevant market entities to submit integrity commitment letters when enterprises declare. The Shanghai Stock Exchange will work with all parties to create a sunny, clean and clean environment for issuing and listing, and reduce the "temperature difference" and "gap" between the reporting enterprises. Strictly take regulatory punishment measures for illegal acts such as violating the requirements of honest employment and hunting and auditing staff, continuously promote the ecological purification of the industry, and jointly create a clean market environment.

　　6. Please briefly introduce the relevant rules and transitional arrangements for the connection between old and new businesses.

　　A:In order to steadily push forward the reform of the full implementation of the registration system, the supporting rules officially issued have connected the implementation arrangements. The 26 rules shall come into force as of the date of promulgation except for the following arrangements. (1) Since the issuance of the six underwriting rules, if the main board enterprise has obtained the registration approval for the initial public offering of securities and the issuance has not yet started, if the initial public offering of securities by science and technology innovation board enterprises and the issuance of securities by the main board and science and technology innovation board listed companies have not yet started, the relevant rules after the issuance shall apply, and the Exchange shall perform the underwriting supervision procedures. In other cases, the issuance and underwriting work shall be carried out in accordance with the original rules. (2) The five trading organization and management rules, such as Trading Rules, Detailed Rules for Monitoring Main Board Stocks, Detailed Rules for Monitoring science and technology innovation board Stocks, Detailed Rules for Implementing Margin Trading of Shanghai Stock Exchange, and Implementation Measures for Lending Securities of Shanghai Stock Exchange (for Trial Implementation), shall be implemented from the first day of listing of the first main board stock issued in accordance with the Measures for the Administration of Registration of Initial Public Offerings. (3) The guide to the necessary clauses of the risk disclosure shall be implemented as of the date of issuance. Since the first day of issuance of the first main board stock issued in accordance with the Measures for the Administration of Registration of Initial Public Offerings, ordinary investors with new accounts will participate in the subscription of the main board stock for the first time and sign the main board investment risk disclosure before the transaction.

　　In order to do a good job in the orderly connection and smooth transition of the audit work of issuance and listing, the Shanghai Stock Exchange issued the Notice on the Connection Arrangement of the Audit Work Related to the Full Implementation of the Stock Issuance Registration System on February 1. According to this notice, the Shanghai Stock Exchange will accept the applications for IPO, refinancing, merger and reorganization of enterprises under review from February 20th to March 3rd, 2023, and then review them in the order of review and acceptance in China Securities Regulatory Commission. From March 4, 2023, we will receive applications from newly declared enterprises on the main board. Science and technology innovation board’s application acceptance and audit work is progressing normally. Enterprises under review should submit special explanations and verification opinions that meet the new regulations before March 10, 2023, and submit updated application documents when the next inquiry is answered or the financial report is updated.

　　Source: People’s Bank of China.

　　"In the first half of the year, the People’s Bank of China reduced the reserve ratio by 0.25 percentage points, turned over the balance profit of 900 billion yuan, reasonably increased the liquidity supply, and guided financial institutions to increase credit support for the real economy." A few days ago, Ruan Jianhong, Director of the Survey and Statistics Department of the People’s Bank of China, introduced it at the press conference of the State Council Office.

　　Provide differentiated financial services for industries that are greatly affected by the epidemic, increase financial support for small and micro enterprises and other trapped market entities, and strengthen financial support for core enterprises in the industrial chain supply chain … … Since the beginning of this year, in the face of the adverse impact of COVID-19 epidemic and other factors on economic and social development, China has taken various measures to increase financial support, and made every effort to stabilize economic growth and stabilize market players. The smooth flow of financial blood has provided strong support for the healthy development of the real economy.

　　Policy strengthening, "real money and silver" serving the real economy

　　A water protects the field and is surrounded by mountains. Fuquan City, Qiannan Buyi and Miao Autonomous Prefecture, Guizhou Province, is rich in resources. With the acceleration of green development, phosphorus chemical industry, new energy materials and other industries here have become new engines for development. Since the beginning of this year, the situation at home and abroad has changed, and the local leading enterprise Chuanheng Chemical has encountered unprecedented challenges.

　　"The quotation of upstream raw materials continues to rise, and downstream overseas customers can’t sign for payment, and the company’s capital chain is extremely tight." He Yonghui, chief financial officer of Chuanheng Chemical Co., Ltd., frowned.

　　According to the actual situation of the company, Qiannan Branch of China Construction Bank sent a special working group to customize the financing plan. "We linked credit resources and strength with CCB Macau Branch to innovate ‘ Cross-border financing loan ’ In this way, enterprises can get financial support at the best interest rate. " Hu Shaoling, head of the company department of Qiannan Branch of China Construction Bank, said.

　　"In less than 10 working days, we were given a loan of 30 million yuan, which reduced the financing cost for the company and allowed us to calmly cope with the price increase of raw materials and the impact of the epidemic." He Yonghui told reporters that it is not only credit support, but also CCB helps the company to participate in international competition by decentralizing the sea freight review authority and exchange rate concessions for the company’s foreign exchange service needs.

　　In Fuquan City, Qiannan Branch of China Construction Bank has organized a special financial service task force, which has docked 4.67 billion yuan for 14 key phosphorus chemical enterprises and put in loans exceeding 500 million yuan.

　　Since the beginning of this year, the complexity, severity and uncertainty of China’s economic development environment have increased. The financial management department takes the initiative and makes great efforts to support stable economic growth and stabilize market players. "The People’s Bank of China will intensify the implementation of prudent monetary policy, give full play to the dual functions of monetary policy tools in terms of aggregate and structure, and strive to serve the real economy and stabilize the economic market." Yan Jianhong said.

　　The data shows that in the first half of the year, the scale of social financing in China increased by 21 trillion yuan, an increase of 3.2 trillion yuan year-on-year, and RMB loans increased by 13.68 trillion yuan, an increase of 919.2 billion yuan over the same period of last year. At the same time, the central bank continued to release the reform potential of the loan market quotation rate (LPR). The one-year LPR and the five-year LPR decreased by 10 basis points and 20 basis points respectively. In June, the interest rate of new corporate loans was 4.16%, which was 34 basis points lower than the same period of last year. The comprehensive financing cost of enterprises decreased steadily, and the quality and efficiency of financial services to the real economy improved significantly.

　　Precision drip irrigation to solve problems for small and medium-sized enterprises

　　It is not only the leading enterprises in the industry that benefit. Since the beginning of this year, the People’s Bank of China, in conjunction with relevant departments, has implemented 23 measures to provide financial services for epidemic prevention and control, economic and social development, promote the recovery and development of difficult industries in the service sector, and intensify efforts to help small and medium-sized enterprises out of difficulties, so as to support market players to get out of difficulties.

　　— — Increase policy incentives and increase the supply of small and micro loans for general benefits.

　　In Yuheyuan Farm in Huangdu Village, Xilong Township, Anji County, Huzhou City, Zhejiang Province, tea farmer Xu Xin ‘an is working hard. "This year, affected by the epidemic, a large number of teas are unsalable, and many tea farmers are short of funds. ‘ Liangshan White Tea Loan ’ Helped us solve the problem. " Xu Xin ‘an said.

　　At the beginning of this year, the People’s Bank of China launched the universal micro-loan support tool to provide incentive funds according to 1% of the increase in the balance of universal micro-loans of local corporate financial institutions. Since the second quarter, the proportion of incentive funds has been increased from 1% to 2%. Under the guidance of policy tools, Anji Rural Commercial Bank, which is under the jurisdiction of Zhejiang Rural Commercial Bank, has strengthened its financial support for tea enterprises in all directions. By the end of June, this year, it had distributed 118 million yuan of "two mountains and white tea loans" to 415 tea farmers, a year-on-year increase of 15.9%.

　　— — Continue to reduce fees and profits and reduce the operating costs of enterprises.

　　With the advantages of pollution-free vegetables, Fuzhou Youye Ecological Agriculture Co., Ltd. in Fujian Province has become the core supplier of vegetables for large supermarkets such as Wal-Mart and Metro. Under the guidance of Fuzhou Central Sub-branch of the People’s Bank of China, Fujian Strait Bank launched a fee reduction policy for inter-bank transfer of small and micro enterprises to help enterprises reduce costs. "It can save nearly 60,000 yuan in handling fees every year, which really makes us a lot easier." You Jiwang, the company’s financial director, said.

　　In recent years, China has continuously promoted the financial system to reduce fees and make profits from the real economy. In September last year, the People’s Bank of China and other departments launched 12 measures to reduce fees, and by March this year, more than 12 billion yuan of payment fees had been reduced for more than 82 million market entities.

　　— — Delay the repayment of principal and interest to help small and micro enterprises tide over the difficulties.

　　"Fortunately, there is a good policy to postpone the repayment of principal and interest, which has helped us survive this barrier." Mr. Yan runs a small and micro enterprise engaged in sand and gravel transportation in Shunde District, Foshan City, Guangdong Province. Because he is a transport ship purchased by loan, he has to repay the bank every month.

　　In response to the impact of the epidemic, the Guangzhou Branch of the People’s Bank of China guided the financial institutions under its jurisdiction to implement the policy of postponing the repayment of principal and interest this year. Shunde Rural Commercial Bank handled the formalities of postponing Mr. Yan for three months at the first time to tide over the difficulties.

　　— — Optimize financial supply and provide convenient financial services.

　　"Lending is fast, and the whole process is done online, ‘ Gongxin e loan ’ Send timely rain to our small and micro enterprises. " Mr. Zhao, head of Dalian Wei ‘an Zongheng Technology Co., Ltd. in Liaoning Province, said.

　　"Under the influence of the epidemic, it is difficult for small and micro enterprises to apply for loans offline. We have innovated research and development with Dalian Credit Center ‘ Gongxin e loan ’ Products, online docking with customers by non-contact remote service, relying on technology empowerment to achieve accurate drip irrigation, active credit granting and effective credit enhancement for small and micro enterprises. " Zhang Guanchu, head of Dalian technology and finance Service Center of Industrial and Commercial Bank of China, told the reporter.

　　In order to overcome the adverse impact of the epidemic on financial services, the financial sector organized various forms of government-bank-enterprise docking activities to help banks improve their customer acquisition, risk assessment and control capabilities, develop chattel mortgage and credit loan products according to the characteristics of enterprises, and strive to solve the financing problems of small and micro enterprises under the influence of the epidemic.

　　The data shows that under the comprehensive effect of a series of measures, China’s inclusive small and micro loans continue to maintain the situation of "increasing quantity, expanding area and decreasing price" this year. At the end of June, the balance of Pratt & Whitney small and micro loans increased by 23.8% year-on-year, 12.6 percentage points higher than the growth rate of various loans; The number of micro-credit households in Pratt & Whitney was 52.39 million, a year-on-year increase of 36.8%. In May, the weighted average interest rate of new loans for Pratt & Whitney small and micro enterprises was 5.19%, down 5 basis points from the previous month.

　　Focus on key points and enrich the toolbox of structural monetary policy.

　　Tower cranes stand tall and machinery roar, and the construction of pumped storage power station project in Jinyun County, Lishui City, Zhejiang Province is in full swing.

　　This is the first single billion-dollar investment project in Lishui. It is estimated that after the project is completed in 2025, the annual power generation will reach 1.8 billion kWh, which will save about 230,000 tons of coal consumption and reduce 460,000 tons of carbon dioxide emissions.

　　At the critical moment of the project, the People’s Bank of China created carbon emission reduction support tools to provide financial support for carbon emission reduction loans issued by financial institutions at 60% of the loan principal. "With the support of this tool, we issued a 25-year 80 million yuan carbon emission reduction loan at the first time to fully support the project construction." Zheng Zhenke, president of the Agricultural Bank of China Jinyun County Sub-branch, said that as of the end of June, 830 million yuan had been loaned for the project.

　　In order to better support high-quality economic and social development, the People’s Bank of China has given full play to the precise guiding role of structural monetary policy, launched a number of policy tools, and continuously strengthened its support for key areas and weak links of the national economy.

　　On the basis of launching carbon emission reduction support tools in the fourth quarter of last year and supporting special refinancing for clean and efficient use of coal, the People’s Bank of China has launched three new structural monetary policy tools this year, of which "scientific and technological innovation refinancing" mainly supports high-tech enterprises, "specialized and innovative" small and medium-sized enterprises, national technological innovation demonstration enterprises, manufacturing single champion enterprises and other scientific and technological enterprises, and "inclusive pension special refinancing" mainly supports qualified inclusive pension institutions. Promote the increase in the supply of inclusive old-age care services, and the "special refinancing for transportation and logistics" mainly supports enterprises and individuals that are greatly affected by the epidemic, such as road freight transport operators and truck drivers.

　　"At present, China’s structural monetary policy toolbox has been relatively rich and perfect." Zou Lan, director of the Monetary Policy Department of the People’s Bank of China, said that the structural monetary policy tool is "focused on key points, reasonable and moderate, with progress and retreat", which is conducive to encouraging financial institutions to optimize the credit structure and achieve the effect of accurately tilting to inclusive finance, green development, scientific and technological innovation and other fields. Up to now, carbon emission reduction support tools have issued a total of 182.7 billion yuan, supporting banks to issue loans in the field of carbon emission reduction of 304.5 billion yuan, driving the reduction of carbon emissions by more than 60 million tons.

　　At present, there are still many unstable and uncertain factors in domestic economic recovery. "With the acceleration of steady growth measures, corporate confidence and expectations continue to improve, and effective financing of the real economy is accelerating, which has created favorable conditions for further stabilizing the macroeconomic market in the second half of the year." Dong Ximiao, chief researcher of Zhaolian Finance, said.

　　"In recent years, we have been adhering to the normal monetary policy, leaving sufficient policy space and tool reserves to meet the new challenges beyond expectations." Zou Lan said that in the second half of the year, the People’s Bank of China will continue to implement a package of policies and measures to stabilize the economy, increase the implementation of prudent monetary policies, create a good monetary and financial environment, form a joint policy force, and keep the economy running in a reasonable range.

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