标签： 上海水磨

A number of policies injected confidence into the market.

　　These days, policies and measures related to the real estate market have been intensively introduced, which has boosted the confidence of all parties in the stabilization and recovery of the real estate market. On the demand side, the cost of buying a house is reduced by "recognizing the house without recognizing the loan" and "personal income tax rebate for buying a house"; Supply side, promote the improvement of financing situation of real estate enterprises. At the same time, local governments are still expanding the space for adjusting and optimizing policies because of the city’s good use of the policy toolbox. "Golden September and Silver 10" is the traditional peak season of real estate market sales. With various support policies, people are full of expectations for the upcoming September market.

　　Recently, the Ministry of Housing and Urban-Rural Development, the People’s Bank of China and the General Administration of Financial Supervision jointly issued the Notice on Optimizing the Criteria for Determining the Number of Housing Units in Personal Housing Loans, which promoted the implementation of the policy and measures of "recognizing the house without recognizing the loan" for purchasing the first home loan. The Notice clarifies that when households (including borrowers, spouses and minor children) apply for loans to buy commercial housing, if family members do not have complete housing under the local name, banking financial institutions will implement the housing credit policy according to the first housing regardless of whether they have used loans to buy housing. This policy is included in the "one city, one policy" toolbox for cities to choose independently.

　　According to statistics, at present, there are still about 18 first-and second-tier cities that implement the policy of "recognizing housing and recognizing loans". That is, if you have applied for a loan, you can’t implement the down payment and loan interest rate of the first home, regardless of whether there is a real estate under your name. After the implementation of the policy of "recognizing the house without recognizing the loan", it is good news, especially for the families with improved demand of "selling one and buying one". After selling a house without a house, they can enjoy low down payment and low loan interest rate according to the purchase of the first house, and the pressure of raising down payment and repaying mortgage loans will be reduced.

　　"Recognition of housing and recognition of loans" is a regulatory policy to curb speculation in the overheated market. At present, the relationship between supply and demand in the real estate market has undergone major changes. However, due to the high cost of buying houses, there are still many rigid and improved needs that have not been effectively met. More effective and precise policies are needed to stimulate market vitality.

　　This time, "recognizing the house without recognizing the loan" is the performance of policy adjustment. This policy will help reduce the cost of housing purchase for residents and better meet the demand for rigid and improved housing. As the main responsibility of real estate regulation and control lies in local governments, it is believed that with the implementation of the policy of "recognizing houses without recognizing loans" in various localities, it will have a certain driving effect on the market.

　　Recently, the Ministry of Finance, the State Administration of Taxation, and the Ministry of Housing and Urban-Rural Development issued the Announcement on Continuing the Implementation of Individual Income Tax Policies to Support Residents to Purchase Houses. From January 1, 2024 to December 31, 2025, taxpayers who sold their own houses and repurchased their houses in the market within one year after the sale of their existing houses were given preferential tax rebates.

　　As early as September 30, 2022, the Ministry of Finance and the State Administration of Taxation issued a document clearly stating that from October 1, 2022 to December 31, 2023, taxpayers who sold their own houses and repurchased their houses in the market within one year after the sale of their existing houses would be given preferential tax refund for the personal income tax paid for the sale of their existing houses. The three departments issued a document to continue the previous preferential policies of personal income tax rebate, which will help families who buy houses for improved needs to reduce the expenditure of house exchange funds, reduce the cost of buying houses and promote the release of housing consumption potential.

　　On August 27th, WeChat official account, the WeChat of China Securities Regulatory Commission, announced that it would balance the primary and secondary markets and optimize the supervision arrangements for IPO and refinancing, which made it clear that the refinancing of listed real estate companies was not restricted by the break, net loss and loss. This will help listed real estate enterprises to refinance and ease the financial pressure. At the same time, the CSRC’s new financing policy for the real estate industry will help all parties, especially commercial banks, asset management institutions and other financial institutions to improve their expectations for the real estate industry and optimize the financing environment of real estate enterprises.

　　Some cities have actively introduced relevant policies to help the real estate market stabilize and rebound. On August 25, Jiaxing, Zhejiang Province issued 21 measures to further promote the stable and healthy development of the real estate market, among which it was clear that it would support the reasonable demand of all households and no longer limit the number of houses purchased; All commercial housing (including the original restricted housing) is no longer restricted from transfer. Xiamen recently reduced the down payment ratio of second-home housing provident fund to 40%. Shanxi Province recently said that it will promote the stable and healthy development of the real estate market by promoting housing consumption, improving housing supply and exploring existing home sales. Recently, Hunan Province proposed that in view of the double contradiction between sluggish demand and poor supply, we should manage demand on the one hand and optimize supply on the other, and strive to promote the stable and healthy operation of the real estate market through the efforts of both supply and demand.

　　The favorable policies on housing are not limited to these. On August 25th, the Standing Committee of the State Council deliberated and adopted the Guiding Opinions on Planning and Building Affordable Housing, demanding that the planning and design of affordable housing should be well done, the construction should be promoted by means of reform and innovation, the quality of housing construction should be ensured, and the construction of supporting facilities and the supply of public services should be strengthened. This shows that on the basis of building the largest housing security system in the world, the construction of affordable housing is still advancing, and the importance of planning, quality and supporting facilities is more emphasized.

　　The adjustment and optimization of many real estate control policies will gradually form a joint force, which will help stabilize expectations and inject confidence into the market. I believe that these more targeted control measures will have a positive effect on the stabilization and recovery of the real estate market. (This article Source: Economic Daily Author: Kang Shu)

With language learning as the fulcrum, Hult EF helps organizations realize agile transformation.

All along, Hult EF has been helping enterprises to build learning organizations, unleashing talents’ potential through learning and driving change, promoting all-round improvement in language and communication, coaching skills, leadership and organizational development, and responding to the business challenges in the current BANI environment with a more agile attitude. Recently, the "2023 Hult EF China Annual User Summit" was held in Shanghai, with the theme of "Change with the Times, Come for You", which brought together human resources and talent learning and development executives from leading enterprises in various industries to talk about the way of change.
In the era of BANI, enterprises will face greater challenges, and talents will become the key to success. How to release the potential of talents and drive change has become the focus of multinational enterprises. Steven Ellis, vice president of Hult EF Asia Pacific, pointed out that English language learning can stimulate the innovation and vitality of internal organizations and promote the rapid development of enterprises.
"Everyone has a say." Steven Ellis said that when the working language of multinational companies is English, talents from non-English-speaking countries will lose their right to speak if they don’t know English, thus reducing their sense of belonging to the company. More importantly, the company may miss the innovative ideas brought by these talents.
"I think the most important thing is to give everyone an equal opportunity to speak. From silence to dialogue, the whole organization will become more agile and employees can better advance together." Steven Ellis said.
A few days ago, Hult EF released the latest EF EPI(EF English Proficiency Index), which ranks the English level of 113 countries and regions, providing an important reference for talent cultivation of enterprises. At the summit, David Bish, head of global academic affairs at Hult EF, deeply interpreted the report.
He pointed out that this report shows some trend changes in English language learning, such as the widening gender gap in English proficiency. In the past decade, men’s proficiency in English has improved, while women’s proficiency has declined slightly, and their relative level has been reversed, especially in the age group of 18-25, and the gender gap is three times that of the working population. In addition, the English level of young people in some areas is declining. Although this trend is only in a few big countries, the survey shows that the English proficiency of the youngest age group (18-20 years old) is declining. And, the English level of grass-roots employees is generally lower than that of management in enterprises. From the trend of specific industries, Europe and Africa are the only areas where the English level of junior employees is higher than that of managers and executives, while Asia is the opposite. This also means that potential reformers may not be good enough in English to participate in the dialogue.
David Bish believes that these trends will have an important impact on the future talent training of enterprises. In today’s rapidly changing and uncertain world, enterprises need to take the initiative to undertake the responsibility of training employees in language learning. "Most organizations, enterprises and individuals agree that mastering English can bring advantages, but not everyone knows how to master English skillfully." David Bish said. As a professional enterprise learning and training institution, Hult EF covers a wide range of learning fields, provides forward-looking insight into educational trends for enterprises based on global resources, and cooperates with enterprises to explore innovative talent training modes with advanced online learning concepts and new learning methods such as Hyper Class to help enterprises tap their talent potential.
HULT EF has always been committed to helping enterprises "change with time" through educational innovation. Steven Ellis pointed out that there are some trends in language training at present, the most important of which is to pay more and more attention to using data to understand people’s needs and provide adaptive personalized training, but at the same time, it also faces some difficulties and challenges.
For example, the training of enterprises is scattered, but language learning needs systematic design. Many companies want employees to actively use English, especially to develop effective oral skills to promote communication and teamwork at work, and provide opportunities for English learning. However, employees need not only learning resources, but also long-term planning and guidance to help them grow continuously.
For another example, whether digital tools can be used well will also determine the effectiveness of language training. In the digital age, good data capture and data analysis skills can help enterprises to understand the needs of employees, and also understand the investment of employees in training in real time, and provide better and more suitable training solutions according to the characteristics of different employees, either quickly or slowly. Steven Ellis believes that this kind of question will bring more beneficial inspiration and thinking for enterprise talent training.
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Chen Haitao fought for the Guangdong team! Bring a wife to help out, and offer a bonus of 2 million. Du Feng is under great pressure

Today (April 23rd), in the quarter-finals of CBA playoffs, Guangdong and Guangsha ushered in the last game. Before that, the two sides drew 1-1 with a big score. Therefore, the game between the two sides also became a single-game decisive game system. The winner can advance to the semi-finals of CBA, while the loser will end the journey of this season and pack up and go home.

For the third round match between Guangdong team and Guangsha team, from the outside voice, it can be said that most people think that Guangdong team has a higher probability of winning. On the one hand, Guangdong team has more experience in the playoffs, on the other hand, Guangdong team has the advantage of home court. Before that, Guangsha team had never won at Guangdong team’s home court. Su Qun, a well-known commentator in China, also thinks that it is not surprising that Guangdong has a higher probability of beating Guangsha.

So, is the Guangdong team really winning more? Judging from the current situation, the author believes that it is not necessarily the case that the two sides should be half a catty. How can I put it? There are three main factors. First, the Guangsha team fought hard for this game. The two wounded soldiers of the team, Zhu Junlong and Cummings, returned to the team. As we all know, Zhu Junlong is the top striker in China, and his defense is very powerful. The outside world thinks that he is the nemesis of Marchand Brooks. Previously, under the defense of Zhu Junlong, Marchand Brooks could hardly play well. At the same time, Zhu Junlong’s offensive ability is also very good, with an accurate three-pointer.

Cummings’ comprehensive strength is not outstanding among CBA’s small foreign AIDS, but his return also gives Guangsha team more choices in rotation, especially because he can share some backcourt pressure with Sun Minghui, a fierce backcourt player. It can be said that with the return of Zhu Junlong and Cummings, Wang Bo’s rotation personnel are more adequate, which enhances the confidence of Guangsha team to win.

Secondly, the Guangdong team’s inside line is very weak, and it can’t prevent Hu Jinqiu. Hu Jinqiu, the center of Guangsha team, had almost no solution in the first two games. He got six frontcourt crickets in both games and took off 30 rebounds, which fully showed his advantage in the inside. Although Du Feng tried every means to defend Hu Jinqiu with wheel tactics, it still didn’t have much effect. Hu Jinqiu still went his own way under the basket and showed the level of a superstar. It can be said that how to restrict Hu Jinqiu is a headache for Guangdong head coach Du Feng.

Third, Guangdong foreign aid Ma Shang-Brooks is in an unstable state. In the last game, the reason why Guangdong team lost to Guangsha team was that Ma Shang-Brooks performed poorly. He made 2 of 10 three-pointers in the whole game and hit only 20%. His positive and negative values were -20, that is to say, Ma Shang-Brooks was on the court and Guangdong team lost 20 points.

If Ma Shang-Brooks can perform better, hit a better percentage of three-pointers and score two more three-pointers, then the Guangdong team may not lose. Therefore, it is very important for Guangdong team whether Marchand Brooks can adjust his state in this game.

Because there is no retreat for both sides in this game, there is no doubt that everyone will come up with their own skills to go shopping to the end. It is understood that the management of Guangdong team attaches great importance to this game, and the boss Chen Haitao will come to the arena with his wife to help Guangdong team. At the same time, in order to improve the morale of the players, Chen Haitao also offered a winning bonus of 2 million yuan. Such a high bonus can be said to be a very big one for the Guangdong team, which was once in economic trouble. I have to say, the boss Chen Haitao has made great efforts to win the game for the Guangdong team! Very awesome!

As the head coach of Guangdong team, Du Feng is also under great pressure in the face of tonight’s "life and death battle". After all, Guangdong team can’t afford to lose this game, and there is no way out. On the one hand, he has to deal with the changes in the lineup of Guangsha team and how to crack the Jones of Wang Bo.

On the other hand, Du Feng also wants to reactivate foreign aid Marchand Brooks to help him find his state in the game. Of course, the improvement of Yi Jianlian and Zhao Rui is also a problem that Du Feng should consider. In a word, the Guangdong team has reached the most difficult time, and at this time, Du Feng should also play an ace in the hole to deal with it.

Ladies and gentlemen, who do you think will have the last laugh in the third round between Guangdong and Guangsha?

Samsung Argentina team uniform： Messi’s son Ciro’s birthday, archangel Di Maria sends a blessing!

March 10th is the birthday of Ciro, Messi’s youngest son. antonella, a “baby-basking maniac”, took photos of Ciro and wrote, “Happy birthday! You will always be our baby. ”

Ciro, the youngest son of Messi and antonella, stood in front of the camera with his hands akimbo in Argentine No.10 jersey on his birthday. This jersey is obviously printed with three stars, which is the latest style jersey after Argentina won the championship.

At the same time, antonella also showed Ciro when he was a child, just like Messi when he was a child.

It is worth noting that shortly after antonella sent a message, the archangel Di Maria sent a blessing, “Happy birthday to Ciro, have a nice day!”

I always thought that Di Maria was the archangel guarding Messi on the field, but I didn’t expect this uncle to bless Ciro at all!

Antonella has always been very proud of having a lovely son like Ciro. Perhaps, she has seen another football genius growing up quietly. I wonder if Ciro will become an excellent player like Messi when he grows up?

Welcome to leave your valuable comments in the comments section, thank you!