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Focus on the provincial two conferences： there will be these changes in the regulation of local property market in 2018.

　　BEIJING, Beijing, January 26th (Reporter Zhong Qing) In 2018, two provincial and local conferences are being held intensively. As of January 25th, the government work reports issued by many provinces have focused on the regulation of the property market, and both rent and purchase have become high-frequency words. At the same time, the idea of classified regulation has gradually deepened. Hot cities tend to "stabilize housing prices" and the policy orientation of "destocking" in third-and fourth-tier cities has become clearer.

　　On January 25th, the first meeting of the 13th People’s Congress of Shanxi Province opened in Taiyuan. China News Service reporter Wu Junjie photo

　　Living and living in various types of guaranteed housing for the market.

　　Since the Central Economic Work Conference in 2016 put forward that "houses are for living, not for speculation", ensuring residents to "live and live" has become an important part of deploying the real estate market in various places for two consecutive years, and the supply of various types of affordable housing has obviously accelerated.

　　According to the statistics of Zhongxin. com reporters, as of January 25th, more than 20 provinces, autonomous regions and municipalities, including Anhui, Xinjiang, Shanghai, Jiangxi, Beijing, Tianjin, Inner Mongolia, Henan, Hunan, Hubei, Gansu, Xizang, Zhejiang, Guangdong, Heilongjiang, Shandong, Shanxi, Yunnan, Guangxi, Hebei and Shaanxi, have held provincial-level local conferences.

　　In his government work report, Chen Jining, acting mayor of Beijing, pointed out that all the security policies for tenants to live stably and enjoy public services should be implemented, and efforts should be made to promote the construction of 2.9 million square meters of shared property housing and 6 million square meters of commercial housing, raise 50,000 sets of various types of affordable housing, and complete the renovation of 23,600 shanty towns.

　　Looking back on 2017, Beijing has promoted various types of guaranteed housing such as self-sustaining rental housing, shared property housing, special public rental housing and collective rental housing, and the supply of such housing will accelerate and increase in the future.

　　Coincidentally, this year, Shanghai will newly supply 493,000 sets of various types of affordable housing; Anhui newly started 281,800 sets of affordable housing projects, and basically completed 237,500 sets; Henan said that it will basically build 340,000 sets of various types of affordable housing; Among the 12 livelihood projects to be done well in Hunan this year, the renovation of urban shanty towns is expected to reach 277,600 sets; Zhejiang will start construction of 292,000 shed-converted resettlement houses and complete 195,000 sets; Hebei started construction of 230,000 new houses this year.

　　"From the perspective of the construction planning of affordable housing in various places, there may be a wave of construction climax this year, and public rental housing and shed-to-resettlement housing will be actively promoted, especially in the third-and fourth-tier cities, which will enhance the overall construction scale of affordable housing." Yan Yuejin, research director of the think tank center of Yiju Research Institute, told the reporter of Zhongxin.com that the construction of rental housing will be the highlight of the subsequent construction of affordable housing, and the housing supply system of "four products" consisting of commercial housing, affordable housing, shared property housing and rental housing will be more perfect.

　　Paying attention to both rent and purchase to ensure the rights and interests of tenants

　　In 2017, the Central Economic Work Conference proposed to speed up the establishment of a housing system with multi-agent supply, multi-channel guarantee and rent-and-purchase. Develop the housing leasing market, especially long-term leasing, and protect the legitimate rights and interests of leasing stakeholders.

　　For this reason, "rent and purchase simultaneously" has become a high-frequency word in recent provincial conferences.

　　Ying Yong, mayor of Shanghai, said: speed up the cultivation and development of the housing rental market, and steadily and orderly promote the clean-up and rectification of commercial office projects; Beijing proposes to develop the housing rental market, especially long-term rental, and promote the construction of rental housing with collective construction land; Anhui, on the other hand, focuses on the security of rental housing, requiring the implementation of both physical distribution of public rental housing and rental subsidies; Henan proposed to support Zhengzhou to carry out the pilot project of cultivating and developing the housing rental market and strengthen the security of public rental housing.

　　"It is expected that during the National People’s Congress in March, discussions on various supporting policies for rental housing will be the focus of public opinion." Zhang Dawei, chief analyst of Zhongyuan Real Estate, said.

　　According to the statistics of the Central Plains Real Estate Research Center, up to now, more than 10 cities such as Beijing, Foshan, Shanghai, Guangzhou, Shenzhen, Hangzhou and Zhuhai have started the accelerated supply mode of leased land, and the accumulated leased land area nationwide has exceeded 6 million square meters. According to the average single set of 60 square meters, it can directly provide more than 100,000 sets of houses, mainly concentrated in first-and second-tier hot cities.

　　In Zhang Dawei’s view, to develop the rental market, we should not only "add" the supply, but also "subtract" the rental housing resistance. First of all, it should directly affect the supply of housing and supply leased land with 70-year property rights; At the same time, increase the rights and interests of the lessee and stabilize the lease relationship. Stabilizing the rental market can avoid the ups and downs of the real estate market and reduce the irrational demand for housing.

　　Data Map: Citizens waiting in line outside the house registration and certification hall in Chaoyang District, Beijing to get their numbers ready for transfer procedures. Photo by Han Haidan

　　Hot cities, property market regulation is not relaxed, and third-and fourth-tier cities continue to go to inventory.

　　Stepping into 2018, the pace of property market regulation in various places has not stopped. According to the incomplete statistics of Zhongxin. com reporters, in less than a month, Xiamen, Chengdu, Hefei, Lanzhou and other places have successively issued property market regulation measures; Eleven cities, such as Nanjing, Wuhan, Tianjin and Qingdao, have adjusted their settlement relaxation and talent introduction strategies.

　　In response to the regulation of the property market, the Central Economic Work Conference stated that it is necessary to distinguish the central and local powers and implement differentiated regulation.

　　Judging from the two provincial conferences that have been held, the idea of differentiated regulation has been put to the ground, and the first-and second-tier hotspot cities tend to "control housing prices", and the policy orientation of "destocking" in third-and fourth-tier cities has become clearer.

　　As hot cities in the real estate market, both Beijing and Shanghai have indicated that they should strengthen the regulation of the real estate market.

　　Chen Jining said that it is necessary to strictly implement various real estate control policies and measures, strengthen market monitoring and policy reserves, and promote the smooth operation of the real estate market; Zhang Guoqing, the acting mayor of Tianjin, stressed stabilizing housing prices, reasonably guiding market expectations and buying houses. At the same time, he strengthened housing credit management, strictly restricted the use of credit funds to invest in speculative buying houses, prevented excessive concentration of credit funds in the real estate sector, and effectively prevented financial risks caused by the real estate bubble.

　　At the same time, the task of "destocking" continues to advance in some places. Gansu said that it is necessary to keep the cycle of commercial housing decontamination in a reasonable range; Qinghai proposed to do a good job in the key task of "reducing subsidies", vigorously eliminate ineffective supply, vigorously optimize housing supply, and vigorously reduce enterprise costs; Tianjin requires continuous in-depth destocking, revitalizing 3 million square meters of vacant buildings and 1,500 mu of inefficient idle land in demonstration industrial parks.

　　According to the data of the National Bureau of Statistics, at the end of December 2017, the area of commercial housing for sale nationwide was 589.23 million square meters, down 15.3% from the end of last year, and the inventory level of commercial housing continued to decline.

　　"Overall, ‘ De-stocking ’ It is nearing the end. " Liu Xiangdong, deputy director of the Economic Research Department of China International Economic Exchange Center, believes that with the in-depth regulation, the inventory of the property market in third-and fourth-tier cities has declined; In first-and second-tier cities, due to measures such as restricting purchases and loans, inventories will gradually be replenished.

　　Zhang Dawei believes that cities that still need to "destock" will basically relax their household registration policies, attract talents to settle down, and increase the attractiveness of cities; The other is to attract farmers into the city by improving the value of farmers’ homestead. (End)

Exceeding the target by 120,000%, breaking a new record around Wandering Earth 2!

Special feature of 1905 film network On February 12, it ranked among the top ten box offices in mainland film history with a box office of over 3.65 billion. Since its release, besides its reputation, its official surroundings have accumulated sales of over 100 million yuan, which has greatly set a new record for the sales of film derivatives in China.

How exaggerated is this wave of "saturated crowdfunding"?

The crowdfunding goal was achieved within one minute after the project was launched, and the accumulated sales exceeded 100 million in eight days. Later, the officials and merchants repeatedly called for "rational consumption", and the fans of "Little Broken Ball" have "urged" from inside the play to outside the play: "One household is stupid" and "One door frame for one family" have not been achieved. How can you sleep? Let’s buy!

Up to now, many manufacturers involved in the production of official derivatives of Wandering Earth 2 have far exceeded their expected targets in crowdfunding and sales. At the same time, popular new products such as "Ma Ou" around a variety of popular IP and subsequent calls from the audience continue to be sold and developed.

When the movie Wandering Earth 2 successfully "knocked down" the door of China science fiction movies, the new record of "Benben" also showed us a new blue ocean of film derivatives.

Replay Wandering Earth 2 "Saturated Crowdfunding";

Sales surged with the box office year-on-year, and the cooperation cycle still needs to be advanced.

According to the statistics of various platforms, the sales amount of many crowdfunding and pre-sale projects related to Wandering Earth 2 has far exceeded the expected targets of various manufacturers.

In the movie, the scene of "Benben, you are a military dog" impressed countless audiences. This mechanical dog with sci-fi futuristic feeling and "cute point" has also become the "popular king" around the official authorization of Wandering Earth 2.

Saifan Science Fiction Space released four batches of assembled and finished "Benben" models before the crowdfunding cut-off, with a cumulative number of more than 226,000 boxes. And 52TOYS achieved over 10.74 million yuan with a turnover of over 57,000 only by using this product of the all-purpose box series.

Wang Yin, senior product director of 52TOYS, revealed in an exclusive interview with 1905 Film Network that the amount of this crowdfunding project obviously increased with the rapid growth of the box office of Wandering Earth 2: "Three days before the crowdfunding began, the daily amount increased at a rate of 100,000 yuan, and on the fourth day, the influence of the film expanded, and with our continuous marketing actions, the amount gradually increased at a rate of nearly one million yuan per day."

In mid-2022, 52TOYS reached a cooperation with Wandering Earth 2, which is still in the production period, and developed a deformed mecha toy for the mechanical dog Benben, which appeared in the film. Whether the scenes in the film are "out of the circle" or the strength of attracting gold in the market today, it proves the success of the "two-way trip" between the film makers and manufacturers at the level of product selection and research and development.

According to Wang Yin, at the beginning of the cooperation between the two sides, the image of "Benben" in Wandering Earth 2 has not been fully determined, and the content of the film was officially confirmed until the fourth quarter. However, the development time of BOX series deformation mecha is usually at least six months, so the time left for 52TOYS in this cooperation is not too much. From the early stage, according to the "thick line" modeling framework of the film, to the use of supply chain to make dozens of "ep1 stage" final color samples in advance before the release, and finally completed the relevant content required for product details before the crowdfunding period.

The characteristics of film production and the relatively uncertain market also make "crowdfunding" an ecology more suitable for the sales of derivatives in the film and television industry. "When we clearly knew that the time to market of the product could not be synchronized with the release of Wandering Earth 2, we began to think about how to sell the product, and finally adopted the crowdfunding method. First, because crowdfunding can provide consumers with more ways to play besides sales, for example, after the crowdfunding amount is full, you can unlock some benefits; Second, there are huge uncertainties in the domestic film derivatives market, including this year’s Spring Festival file itself, so we can estimate the sales situation in advance and prepare the corresponding production capacity through crowdfunding. " Wang Wei said.

"Dynamic unlocking" has indeed become one of the important graspers to drive sales in the crowdfunding stage of Wandering Earth 2. With the increase in the number of people involved in crowdfunding, various projects are constantly adding various new cooperation or benefits under the suggestion of the "small broken ball" spiritual shareholders.

Taking 52TOYS as an example, in addition to matching the stupid magnetic expression, the company also closely communicated with the film during the film’s hot screening, and added the door frame robot that attracted everyone’s attention and love in Wandering Earth 2 to develop deformation toys, which is also a brand-new attempt in its similar cooperation projects. "At present, we are still in close contact with the film side to jointly explore more opportunities in the derivatives of Wandering Earth 2."

This cooperation, the box office sales of the previous works and the great influence of the series of works are all important indicators for the cooperation and reference of major manufacturers such as 52TOYS. The success of Wandering Earth 2 has also given all parties greater confidence in this IP.

Wang Yin bluntly said that the company expects to reach a deeper cooperation with the filmmakers in the next project. At the same time, what it expects more is that the film and television derivatives industry can take a more important step: "I hope to participate in the project at the early stage of film production, just like the mature overseas film derivatives model, so as to develop more and better derivatives and launch the products in a more timely manner, so that everyone can feel the fun of derivatives while enjoying the film."

After exceeding the target by 120,000% and refreshing the record:

Where will the future of "Benben" turn?

After the total crowdfunding amount of all parties exceeded the target of 120,000%+,the derivatives of Wandering Earth 2 have not only set off a sales frenzy around the film, but also attracted more people’s attention and investment through the "out of the circle" of this IP.

Miss Su, the audience, is a variety of peripheral and hand-made enthusiasts. After watching Wandering Earth 2 on New Year’s Day, she bought a variety of products including 52TOYS universal box stupid model, 1:2.5 replica of sheep and digital life cards produced by Saifan Science Fiction Space through crowdfunding.

"Wandering Earth 2" is popular around this time. I think there are two main reasons. First, the science fiction theme (advantage), ordinary movies rarely buy so many models around, objectively do not have such conditions, The Wandering Earth is stupid, Moss and doorframes, and so on. In addition, the models that have come out at present are also well done, such as Benben, and there are many types for the audience to choose from. As a souvenir, you can buy a finished product that you can play directly. Fans who like to assemble can buy an assembled version. There is always one for you. " Miss Su gave her opinion.

As a "veteran player", she said that at present, "non-film" peripheral products in China already have a very mature market, and many brands that cooperated with Wandering Earth 2 this time are "familiar faces" in the industry. This also provides a layer of quality assurance for the surrounding production of this film.

However, as Wang Yin mentioned above, due to the particularity of the production cycle of film and television works and the great uncertainty of the domestic film and television derivatives industry at present, the timing of joining the production link is still relatively late. If you can participate in the image production of the role in advance, it may have a more positive impetus to the later R&D and sales.

The form of crowdfunding is bound to further lengthen the production cycle of peripheral products. Take the announcement of Saifan Science Fiction Space, which cut off the order in advance, for example. At present, the earliest batch of four batches of products must be delivered before the end of June, and the fourth batch will be completed at least in November. At the same time, because the number of orders is close to the annual capacity limit of the factory, there may be some delay in the later period.

Xiao Liu is the first time to buy "new users" around crowdfunding movies. According to the announcement, the finished products Benben and customized digital life cards she bought will not be "delivered" until the second half of the year. "I’m not in a hurry, but I’m a little sorry. For example, I’ve brushed the’ small broken ball’ three times, but I can’t punch in with my stupid and life card."

Too long waiting time will affect the sales of products to some extent. For example, before "Wandering Earth 2", the film also planned additional derivatives because of the box office boom, but due to the lag of the cycle, even pirated products greatly affected the related income.

Miss Su understands the production cycle, but she also admits that the derivative industry in the domestic film and television industry has not yet formed a climate. Compared with the development of hot IP in foreign countries such as Marvel Comics and Harry Potter, it needs more careful planning: "Otherwise, the audience will not generate electricity for love for a long time, and the future will become more and more strict and’ picky’."

Wang Yin also gave feedback on the current test of research and development around film and television from the perspective of the industry: "Although film derivatives have taken shape in overseas markets, not all IP is suitable for developing derivatives. IP, which is suitable for developing derivatives, can first make the public feel emotional when watching film and television content, thus giving birth to the desire to buy. Usually, most of such IP often appears in science fiction films, animation and even monster films; Secondly, even if IP has room for development, if the market performance of the film is not good, it will also affect the success or failure of derivatives. "

It can also be seen from the outbreak of The Wandering Earth series that the domestic market is not short of creativity, productivity and purchasing power, but needs stable and high-quality content to escort the derivatives market in the blue ocean. The cycle of film release is doomed to a short-term explosion of a single work, which cannot support the complete sales scene of the whole industry.

After the target of 120,000% is exceeded, our derivatives need more stable "clumsiness" to help improve IP R&D, operation and industrial chain construction. At the moment, we want to borrow the classic lines from The Wandering Earth’s "Same Door" and "Three-body": I lit the fire, but we must find ways to control it!

Tesla Model Y： an electric SUV with both advantages and disadvantages

In today’s electric vehicle market, Tesla Model Y has attracted the attention of many consumers with its unique charm. It has many characteristics, showing the characteristics of an excellent electric vehicle, but there are also some places to be improved.

Model Y provides a rich selection of power versions, and the rear-wheel drive, long-life all-wheel drive and Performance high-performance versions have their own characteristics. The high-performance version is particularly outstanding, with an acceleration of only 3.7 seconds per 100 kilometers. It is a leader among SUVs of the same class, allowing drivers to enjoy a strong sense of pushing back and driving passion. The power of the long battery life version is more than enough in daily use, and it can maintain good power output at high speed.

As a medium-sized SUV, Model Y has a spacious space. After the front seats are adjusted in place, there is plenty of room in the head and legs, and the driver can easily find a comfortable posture. The space in the back row is also spacious, meeting the needs of family travel or multi-passengers, and the passengers in the back row will not feel crowded during long-distance travel. In addition, the storage space is rich, and the trunk is large, which can easily accommodate daily luggage items. The front trunk also has a certain storage capacity, which is convenient for placing uncommon items.

Equipped with large-size central control touch screen, it integrates navigation, entertainment, vehicle control and other functions, with simple and intuitive operation interface and fast response. Through the central control panel, it is convenient to set vehicle parameters and view vehicle status information. Tesla’s Autopilot automatic driving assistance system is a bright spot, which can reduce the driving burden and improve driving safety to a certain extent, and can play a role in highways and urban roads.

Model Y was highly rated in some authoritative vehicle safety agency tests. It adopts a high-strength body structure and is equipped with many active safety functions such as front collision warning, automatic emergency braking and lane departure avoidance, which effectively reduces the probability of collision accidents.

The long-life version has a pure electric cruising range of more than 600 kilometers under CLTC conditions, meeting the needs of daily commuting and long-distance travel. Tesla’s global super charging service network provides convenience for car owners to replenish power at any time.

The suspension system is hard to adjust, and passengers in the car can obviously feel bumps and vibrations when passing through potholes or speed bumps, which affects the ride comfort. The comfort of the seat needs to be improved, and some users report that the package and support of the seat are not ideal, and it is easy to get tired after sitting for a long time.

The interior design is simple. Although the central control screen has a large area and a sense of technology, it lacks a sense of luxury and detailed design. Compared with the luxury models of the same level, the interior of Model Y is simple and even called "blank".

Some common comfort and convenience configurations may need to be optional or not. For example, some models do not have seat ventilation and seat massage functions, which may disappoint users with high configuration requirements.

Occasionally, the car system has minor faults or jams, and the navigation system may have inaccurate route planning and delayed screen display. Although OTA air software can be updated and improved, it still affects the experience.

Generally speaking, Tesla Model Y is an electric SUV with outstanding advantages. If you have high requirements for power performance, intelligent configuration and endurance, and can accept its shortcomings, it is a worthy choice. Today, with the continuous development of electric vehicles, the performance of Model Y provides a unique reference for consumers, and also promotes the continuous innovation and progress of the automobile industry in all aspects.

Policy dividends continue to be released, and multiple sets of data prove that the confidence of the international community in investing in China has increased.

　　CCTV News:The National Immigration Bureau recently released the national entry and exit data for the first quarter, showing that in the first quarter, the number of national ports exceeded 141 million, showing a rapid growth trend, and the number of foreigners coming to China increased significantly. Driven by a series of policies and measures to promote the exchange of Chinese and foreign personnel, the traffic of large airport ports such as Shanghai Pudong and Guangzhou Baiyun has also increased rapidly.

　　With the gradual implementation of a series of visa-free agreements and other entry and exit policies in 2024, China, Singapore, Malaysia, Thailand and other countries have entered the "visa-free era", and at the same time, many countries and regions have granted convenience to China citizens such as landing visa.

　　At the entry and exit site of Shanghai Pudong Airport Port, there is an endless stream of travelers. According to the data, in the first quarter, the number of mainland residents who chose to enter and leave through Pudong Airport Port reached 4.85 million, about 3.7 times that of the same period in 2023, exceeding 70% of the total number of entry and exit personnel at this port, and it is the main force of entry and exit passenger flow at this port.

　　In the first quarter of 2024, more than 170,000 foreigners entered the country visa-free through Pudong Airport Port, an increase of 23.6% over the same period in 2023. Among them, more than 70% visa-free personnel come to China for tourism or business, which further shows that the visa-free policy has greatly promoted the economic and trade tourism of foreigners in China and enhanced the confidence of the international community in investing in China.

　　In the past few days, at the Baiyun Airport Port in Guangzhou, foreign merchants who came to attend the 135th Canton Fair came in an endless stream. Since the beginning of April, the inbound and outbound traffic of Guangzhou Baiyun Airport has increased significantly, with more than 720,000 people entering and leaving the port. Compared with the same period in 2023, the number of foreigners entering the port has increased significantly, with a year-on-year increase of 160%.

　　At the same time, affected by the favorable visa-free policy, the number of Singapore and Malaysian inbound passengers at Baiyun Airport Port continued to grow, reaching more than 23,000 and 63,000, up 3.6 times and 4.8 times respectively compared with 2023. Thanks to the continuous release of the "visa-free+visa-free" policy bonus of the National Immigration Administration, in the first quarter, more than 110,000 foreigners entered the country visa-free at Baiyun Airport.

　　The popularity of cross-border tourism has gradually increased.

　　With the continuous optimization of entry and exit policies, a "cross-border tour" has become the first choice for many people’s holidays, and the popularity of cross-border and border tours has gradually increased.

　　On April 13th, 2023, China-Laos Railway International Passenger Train was officially launched. This economical, convenient and comfortable mode of travel has quickly become the first transportation choice for many Chinese and foreign people to travel, study, do business and communicate with each other.

　　The data shows that in the first quarter of 2024, the daily average number of entry and exit personnel at Mohan Port reached more than 5,300, and the highest number of entry and exit personnel exceeded 8,000. A total of nearly 500,000 entry and exit personnel from 71 countries and regions entered and exited Mohan Port, a year-on-year increase of 51.8%.

　　Similarly, at the Khorgos port in Xinjiang, the number of passengers coming and going is also one after another. At about 10: 30 every morning, it is the most intensive time for cross-border tourism and business exchanges between the two countries in the entry and exit hall of the port.

　　With the proposal of "Kazakhstan Tourism Year" in China, more and more citizens of China and Kazakhstan come and go for sightseeing. In order to cope with the peak of inbound and outbound passengers, Horgos entry-exit frontier inspection station has also taken relevant measures.

Central Bank and China Banking and Insurance Regulatory Commission： Financial support for housing leasing should adhere to the positioning that houses are used for living, not for speculation.

　　CCTV News:According to the website of the People’s Bank of China, the People’s Bank of China and China Banking and Insurance Regulatory Commission publicly solicited opinions on "Opinions on Financial Support for the Development of Housing Leasing Market (Draft for Comment)". Soliciting opinions, it is proposed to focus on supporting the development of specialized and large-scale housing leasing enterprises with self-sustaining properties. Financial support for housing leasing should adhere to the position that houses are used for living, not for speculation, and focus on supporting self-sustaining property-based housing leasing enterprises with independent legal person operation, clear business boundaries and real estate professional investment and management capabilities, so as to promote their large-scale and intensive operation and improve the supply capacity and operation level of long-term rental housing. Details are as follows:

Opinions on financial support for the development of housing rental market

(Draft for Comment)

　　In order to thoroughly implement the decision-making arrangements of the CPC Central Committee and the State Council, support the accelerated establishment of a housing system with multi-agent supply, multi-channel guarantee and simultaneous rent and purchase, cultivate and develop the housing rental market, and promote the stable and healthy development of the real estate market, according to the Opinions of the General Office of the State Council on Accelerating the Cultivation and Development of the Housing Rental Market (Guo Ban Fa)

　　[2016] No.39) and "Opinions of the General Office of the State Council on Accelerating the Development of Affordable Rental Housing" (Guo Ban Fa [2021] No.22), we now put forward the following opinions on financial support for the development of the housing rental market:

　　I. Basic Principles and Requirements

　　(1) Support the structural reform of the supply side of housing leasing. Financial support for housing leasing should focus on the key points and aim at the shortcomings, mainly in big cities, focusing on solving the housing problems of new citizens, young people and other groups, supporting all kinds of subjects to build and rebuild long-term rental housing, revitalizing existing housing, and effectively increasing the supply of affordable and commercial rental housing.

　　(two) focus on supporting the development of specialized and large-scale housing leasing enterprises with self-sustaining properties. Financial support for housing leasing should adhere to the positioning that houses are used for living, not for speculation, and focus on supporting self-sustaining property-based housing leasing enterprises that operate as independent legal persons, have clear business boundaries, and have real estate professional investment and management capabilities to promote their regulations.

　　Modular and intensive management to improve the supply capacity and operation level of long-term rental housing.

　　(3) Establish and improve the financial support system for housing leasing. Financial support for housing leasing should be based on market allocation, providing diversified, multi-level and full-cycle financial products and financial service systems for the investment, development, operation and management of leased housing, with complete market functions, balanced structure and orderly competition.

　　— — Financial institutions have a reasonable division of labor. Commercial finance should meet the reasonable financing needs of all kinds of rental housing subjects in accordance with the principles of legal compliance, controllable risks and sustainable business. Policy finance and development finance are limited to providing financing for the development, construction and operation of affordable rental housing on the premise of meeting the functional orientation and business scope.

　　— — Financial product innovation norms. Housing lease credit products should have clear functions, reasonable term and interest rate pricing, perfect risk evaluation and post-loan management. Direct financing products should be simple and clear in structure, sound and effective in market restraint and operation mechanism, transparent in product pricing, and true and compliant in capital use.

　　— — Optimization of credit and capital market allocation. The credit market mainly meets the needs of various entities to develop and build rental housing, as well as the liquidity and daily operation of housing rental enterprises. The capital market focuses on the development of long-term financing tools for housing rental investment. The credit market and the capital market can be coordinated and reasonably connected according to the income and risk characteristics of different links of housing leasing.

　　Two, strengthen the innovation of housing rental credit products and service models

　　(four) to increase credit support for the development and construction of rental housing. Support commercial banks to issue development and construction loans to real estate development enterprises, industrial parks, rural collective economic organizations, enterprises and institutions and other entities to build or rebuild long-term rental housing.

　　Payment. The proportion of project capital for rental housing construction should not be less than 20% of the total investment of development projects, and the loan period is generally 3 years, and the longest is not more than 5 years. Commercial banks should establish a perfect loan approval mechanism and risk management mechanism for development and construction according to the cash flow of various entities and the risk characteristics of real estate development, so as to improve the efficiency and management level of loan approval.

　　(V) Innovative groups purchase rental housing credit products in bulk. For enterprises and qualified institutions to purchase idle houses in batches according to laws and regulations for dormitory-type affordable rental housing, and specialized large-scale housing leasing enterprises to purchase idle houses in batches according to laws and regulations for affordable rental housing or commercial rental housing for long-term operation, commercial banks are encouraged to issue rental housing group purchase loans on the premise that risks are controllable, businesses are sustainable and implicit debts of local governments are not added. Commercial housing and commercial housing purchased with loans should be houses with clear legal relationship and completed acceptance. During the loan period, the rental purpose of the house shall not be changed. Leased housing groups purchase loans for a maximum period of not more than 30 years, and the loan amount shall not exceed 80% of the assessed value of the property in principle.

　　(six) support the issuance of housing rental business loans. If a housing leasing enterprise manages long-term rental housing with its own property rights, the term of the housing leasing business loan shall not exceed 20 years, and the loan amount shall not exceed 80% of the assessed value of the property in principle, which can be used to replace the loan for early development and construction of the property. For the non-proprietary rental housing formed by the housing leasing enterprises in accordance with the law and in compliance with the transformation of industrial plants, commercial office buildings and villages in the city, the term of operating loans shall not exceed 5 years, and the loan amount shall not exceed 70% of the total rent receivable within the loan period in principle.

　　Commercial banks should carry out due diligence investigation on the legal compliance of the operation and management of leased housing, the rental level and occupancy rate of leased housing, and the professional ability, financial status and continuous prudent operation of housing leasing enterprises, and design the loan term, interest rate and repayment method reasonably in combination with the operation and risk characteristics of housing leasing enterprises.

　　Housing leasing enterprises should take rental income as the first source of repayment. If the housing leasing enterprise has clear other repayment sources, commercial banks can issue pledge and mortgage loans, but the legal risks of pledge and mortgage should be carefully evaluated to ensure the enforceability of pledge and mortgage. On the premise of compliance with laws and regulations, commercial banks are encouraged to issue credit loans according to the credit standing and operating conditions of housing leasing enterprises.

　　Explore the role of policy housing finance, support housing leasing enterprises to hold and operate affordable rental housing for a long time, and give priority to meeting the housing rental needs of eligible new citizens, young people and other groups.

　　(seven) innovative comprehensive financial services for housing leasing related enterprises. Encourage commercial banks to actively explore financial service models and financial products suitable for the needs of enterprises related to housing leasing, and provide comprehensive financial solutions such as account opening, settlement, consultation and cash management to housing leasing construction and operation enterprises, housing leasing brokerage institutions and housing leasing management service platforms.

　　Third, broaden the diversified investment and financing channels in the housing rental market

　　(eight) to enhance the ability of financial institutions to put in housing rental loans. Support commercial banks to issue financial bonds for housing leasing, and raise funds specifically to increase the investment of housing leasing development and construction loans and operating loans.

　　(9) Broaden bond financing channels for housing leasing enterprises. Support housing leasing enterprises

　　Industry issued debt financing instruments, corporate bonds, corporate bonds, earmarked for rental housing construction, purchase and operation. Encourage the optimization of bond issuance process, improve the issuance efficiency of housing lease bonds, and provide financing facilities for housing lease enterprises.

　　(10) CoveredBond for innovative housing lease. If the rental housing owned and operated by the housing leasing enterprise has a sustained and stable cash flow, the property mortgage can be used as a credit enhancement, and housing lease guarantee bonds can be issued. Housing lease guarantee bonds are included in the bond management framework.

　　(eleven) the steady development of real estate investment trust funds (REITs). Steadily promote the pilot work of real estate investment trust funds (REITs), and raise funds for housing leasing enterprises to hold and operate long-term rental housing under the premise of controlling risks. Support real estate investment trust funds (REITs) share trading circulation, promote long-term stable operation, and prevent short-term speculation. Give priority to supporting xiong’an new area, Hainan Free Trade Port, Shenzhen Socialism with Chinese characteristics Pilot Demonstration Zone and other key areas supported by national policies and big cities with net population inflow to carry out real estate investment trust funds (REITs) pilot projects, and provide financial support for enterprises that use all kinds of construction land (including collective construction land, idle land owned by enterprises and institutions, etc.) to build, hold and operate long-term rental housing according to laws and regulations.

　　(twelve) to guide all kinds of social funds to invest in the field of housing leasing in an orderly manner. Support financial institutions, asset management products and other market entities to standardize investment in financial products related to housing leasing. Encourage housing leasing enterprises and professional asset management institutions to hold and operate rental housing for a long time through real estate investment trusts (REITs). Support long-term funds such as insurance funds to invest in the housing rental market. Encourage housing leasing enterprises and finance.

　　Institutions use interest rate derivatives to hedge related interest rate risks.

　　Four, strengthen and improve the financial management of housing rental.

　　(thirteen) strict housing leasing financial business boundaries. Housing leasing financial business should be strictly positioned to support the development of housing leasing market and not provide financing for short-term speculation. Housing rental financial products and services should be clearly distinguished from those of non-rental housing. It is strictly forbidden to finance non-rental housing in the name of supporting housing rental, and it is strictly forbidden to use housing rental financial products for commercial real estate development in violation of regulations. Financial institutions should establish and improve relevant business systems, strengthen compliance review and evaluation, and ensure prudent and compliant business.

　　(fourteen) to strengthen the management of housing rental credit funds. Commercial banks and other institutions should strictly review housing lease credit and post-loan management, strengthen the investigation and tracking of borrowers, project attributes and the authenticity of loan purposes, ensure that loan funds are used for housing lease construction and operation in accordance with the agreed purposes, and effectively prevent risks such as misappropriation and cashing out of funds. If the lease property of the project or the use of the house is changed during the loan period, the loan shall be recovered in time.

　　(fifteen) standardize the innovation of direct financing products for housing leasing. The direct financing products of housing lease should have excellent quality of basic assets, simple structure, clear legal relationship, open and transparent information and legal compliance with the use of funds. Relevant acceptance departments should clarify the business model of housing leasing enterprises, the use of raised funds and other policies and audit requirements, improve information disclosure and post-supervision management, take effective measures to ensure that raised funds are used for related activities such as rental housing construction and operation, and shall not be diverted for other purposes.

　　(sixteen) to prevent financial risks of housing leasing. Commercial banks, etc. lease housing.

　　Institutions providing financing should establish and improve relevant systems, strengthen compliance review and evaluation, and ensure prudent and compliant business. Standardize the management of financing subjects, formulate clear access standards, and implement list management for non-personal objects. Limit the debt level of all kinds of housing leasing enterprises and real estate development enterprises holding leased housing to ensure that their asset-liability ratio remains in a moderate range. Strengthen the monitoring of the operation and management, financial status and the use of funds of housing leasing enterprises. If housing leasing enterprises violate the loan contract, they should promptly take effective measures such as accelerating liquidation and collecting loans in advance to resolve risks.

　　Housing leasing enterprises must complete the relevant filing work on the housing leasing management service platform established by the housing and urban-rural construction department before financing. For direct financing products of housing leasing, we should fully reveal the risks related to housing leasing business and real estate market, establish and improve the risk early warning and disposal mechanism, and protect the interests of investors.

　　(seventeen) the establishment of housing rental financial monitoring and evaluation system. The People’s Bank of China took the lead in establishing a special statistical system for housing leasing finance, strengthened the statistics, investigation and monitoring analysis of housing leasing financial products, and explored the establishment of a policy-oriented effect evaluation system for housing leasing special credit. Relevant departments should strengthen the sharing of information related to housing leasing and give full play to the joint efforts of supervision.

　　The Shanghai headquarters of the People’s Bank of China, branches, business management departments, city center branches of provincial capitals and sub-provincial city center branches are requested to forward this opinion to relevant institutions within their respective jurisdictions together with the Banking Insurance Regulatory Bureau of their respective provinces (autonomous regions and municipalities), and coordinate the implementation of this opinion.

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