There are still 15 days before the opening of the 14th National Winter Games. The Ergun Band calls out netizens and invites everyone to come to Inner Mongolia in winter to experience the different beauty of prairies, forests, deserts, lakes and rivers.

    Reporter: Ye Ziyan.

    Reporter: Yu Guang Tian Haolin

    Ye Ziyan studio

    Produced by Audio and Video Department of Xinhua News Agency

　　Food, clothing, housing and transportation are the basic needs of life, among which "living" is regarded as just needed by many people. These two days, there was an interesting meeting, which was closely related to "living".

　　The video and telephone conference on accelerating the development of affordable rental housing and further improving the regulation of the real estate market held on the 22nd reiterated that the house should be used for living, not for speculation, and the real estate should not be used as a short-term means to stimulate the economy.

　　The positioning of "staying in the house and not speculating" continued to consolidate, which made many people eat "reassuring".

　　The picture shows a commercial house near Madang Road in Shanghai. Xinhua News Agency reporter Chen Fei photo

　　Whether buying a house, renting a house or building a house, it is inseparable from money. Therefore, real estate finance is a key link in the implementation of "housing without speculation".

　　In recent years, China has accelerated the establishment and improvement of a long-term mechanism for real estate financial management, especially under the guidance of the "three lines and four files" rule and the real estate loan concentration management system, many housing enterprises have become more cautious and self-disciplined, and the concentration of real estate loans and personal housing loans of banking financial institutions has steadily decreased.

　　In June, the sales price increase of commercial housing in 70 large and medium-sized cities showed a steady and declining trend as a whole; At the same time, at the end of June, the growth rate of RMB real estate loans in China dropped by 2.2 percentage points from the end of last year.

　　It can be seen that the regulatory policies, including real estate financial policies, have been effective, the real estate credit environment in some cities has changed, and the price increase has stabilized.

　　What is the "sharp weapon" that can make regulation so immediate? How do the "three lines and four gears" rule and the real estate loan concentration management system play a role? Come and get to know it.

　　To promote the stable and healthy development of the real estate market, first of all, real estate enterprises need to be healthy. However, some real estate enterprises are greedy for perfection and blindly expand, and the financial indicators of core operations are "red light", which also leads to the phenomenon of high leverage and high debt in the real estate industry.

　　In order to enhance the marketization, regularity and transparency of financing for real estate enterprises, in August last year, the People’s Bank of China, the Ministry of Housing and Urban-Rural Development and relevant departments formed the fund monitoring and financing management rules for key real estate enterprises, that is, the "three lines and four files" rules.

　　The "three lines" are actually "three red lines", which specifically refer to: the asset-liability ratio is greater than 70%, the net debt ratio is greater than 100%, and the cash short-term debt ratio is less than 1 times after excluding advance payments.

　　According to the situation of stepping on the line, real estate enterprises are divided into four grades: red, orange, yellow and green: the scale of interest-bearing liabilities of "red-file" enterprises cannot be higher than the existing level; The annual growth rate of interest-bearing liabilities of "orange file" enterprises shall not exceed 5%; "Yellow file" enterprises shall not exceed 10%; "Green file" enterprises shall not exceed 15%.

　　With a clear "three lines and four gears", housing enterprises must meet the corresponding requirements and constantly optimize financial indicators if they want to raise funds. This is equivalent to a "physical examination" of the financial health of housing enterprises to help them better improve their financial management.

　　Behind health is self-discipline. When the financing behavior of housing enterprises is more prudent and self-disciplined, the overall operation tends to be stable. Having tasted the sweetness, more and more real estate enterprises have joined the ranks of "self-discipline". At the beginning of the pilot, the central bank selected 12 representative real estate enterprises as the pilot targets, and at the beginning of this year it expanded to 30 real estate enterprises with large debts.

　　Zou Lan, director of the Financial Market Department of the People’s Bank of China, said that the "three-line and four-gear" rule is effective from the situation and reactions from all walks of life in the past year. The three core operating financial indicators of the pilot enterprises, namely, asset-liability ratio, net debt ratio and short-term cash debt ratio, have obviously improved, and the debt scale has steadily declined. Many other real estate enterprises outside the pilot also actively benchmark the rules and optimize their own business practices.

　　The picture shows a qionghai city resident passing by an advertising slogan in front of a bank. Xinhua news agency

　　In addition to keeping an eye on the demand side, financing management cannot ignore the supply side. In addition to monitoring and managing the liabilities of housing enterprises, the People’s Bank of China also strengthens the management of banking financial institutions — — Formulate the management system of real estate loan concentration.

　　The system sets "two red lines" for the balance of real estate loans and the balance of personal housing loans for different types and sizes of banking institutions. The former ranges from 40% to 12.5%, while the latter ranges from 32.5% to 7.5%.

　　As the saying goes, eggs can’t be put in one basket. Bank credit should also focus on structural optimization, which is not only related to the risk of the institution itself, but also of great significance to the healthy and steady development of the whole economy.

　　Since the implementation of the system, the concentration of real estate loans and personal housing loans of banking financial institutions has steadily decreased. The data shows that at the end of June, the growth rate of China’s real estate development loan balance and personal housing loan balance dropped by 3.3 and 1.6 percentage points respectively compared with the end of the previous year.

　　In Zou Lan’s view, while the real estate loan business is subject to certain constraints, commercial banks have put more energy into supporting small and micro, "agriculture, rural areas and farmers" and other weak economic links, while the proportion of loans in key areas such as manufacturing and technological innovation has been improved.

　　The data shows that at the end of June, the balance of China’s Pratt & Whitney small and micro loans increased by 31% year-on-year, and the growth rate was 18.7 percentage points higher than that of various loans in the same period; The balance of medium and long-term loans in manufacturing industry increased by 41.6% year-on-year, and the growth rate was 16.9 percentage points higher than the same period of last year.

　　The People’s Bank of China said that the next step will continue to adhere to the positioning that houses are used for living, not for speculation, implement a long-term real estate mechanism, constantly improve the "three lines and four files" rules and the centralized management system of real estate loans, do a good job in policy implementation, improve the resilience and stability of the financial system, and promote the balanced development of finance, real estate and the real economy.

　　To firmly grasp the key of real estate finance, we must continue to strictly implement the "sharp weapon" of regulation and control, manage the supply and demand ends of real estate finance, and make the regulation and control policies more precise, which will not only accurately crack down on real estate speculation, but also better meet the needs. (Reporter Wu Yu)

　　CCTV News:Today is the International Day of Disabled Persons. What is disability? Shi Tiesheng said that disability is nothing more than a limitation. What people can’t do is restriction and disability. In this way, life itself is a process of constantly surpassing its own limitations, and everyone is the same. In this process, we encounter pain, transcend limitations and feel happiness. After a "heavy fall" in life, get up again! Don’t be afraid, we are here.

　　For blind children’s friends

　　Author/Shi Tiesheng

　　As long as the mind is healthy, all difficulties and obstacles are not terrible.

　　Dear blind children friends, we are friends. I am also a disabled person. My legs have been unable to walk since I was 21 years old. Now, I have been in a wheelchair for 21 years.

　　We all know the hardships and tribulations that disability has brought us, so we don’t have to say it. In the future, there is no doubt that disability will continue to bring us hardships and tribulations, and we must be psychologically prepared for this. I think all external difficulties and obstacles are not terrible, as long as our psychology is healthy.

　　For example, we are friends, but we are not friends because we are all disabled. All healthy people are actually our friends, and everyone should be friends.

　　Disability is nothing more than a limitation, and life itself is a process of constantly surpassing its own limitations.

　　What is disability? Disability is nothing more than a limitation. You want to see it, but you can’t. As for me, I want to go but I can’t. What about healthy people? They want to fly, but they can’t-this is a metaphor, which means that healthy people also have limitations, and these limitations also give them hardships and hardships.

　　It’s hard to say that healthy people will live easier than us, because pain and pain can’t be compared with size, just as happiness and happiness can’t be compared with size. There is no objective standard for pain and happiness, which is completely self-feeling. Therefore, whoever can keep unyielding courage can feel more happiness.

　　Life is such a process, a process of constantly transcending our own limitations, and this is fate. Everyone is the same. In this process, we encounter pain, transcend our limitations and feel happiness. So all people are equal, and we are not special.

　　As long as the "special" is eliminated, equality will naturally come.

　　What we disabled people crave most is equality with healthy people. So what should we do? I think, equality is not something you can eat or wear, it is a quality or a realm. If you have it, you don’t have to be given it by others. If you don’t have it, others can’t give it to you.

　　How can I have it? As long as the "special" is eliminated, equality will naturally come.
　

　　In other words, we don’t have any special feelings because we are disabled. Apart from having two legs or a pair of eyes less than others, we have nothing less and nothing more than others, and there is nothing special about others. We don’t tolerate discrimination because of disability, nor do we win honors because of disability.

　　If we do well and others praise us, it is only because we do well, not because we already have the advantage of being praised in advance. We win glory by real work.

　　Of course, we can’t live without the help of others. Self-esteem doesn’t mean rejecting others’ kindness. Just want to help others and refuse others’ help, that’s not strong, that’s actually a psychological disability, because in fact, there is no one in the world who doesn’t need others’ help.

　　We should not forget our disabled friends, but also strive to get out of the small circle of disabled people and walk freely into the world with broad love. This is the most important step to overcome disability and transcend limitations. /Figures are from vision china.

　　Fate kissed me with pain.　I return the favor with a song.

　　The "apple" bitten by fate is still fragrant.

　

　　Remember "Basketball Girl"? In 2000, Qian Hongyan, a 4-year-old from Luliang, Yunnan, suffered a car accident and was amputated below the pelvis. Grandpa cut the basketball in half and put it under her … … Later, she became attached to swimming. In 2010, she won three silver medals in the National Swimming Championships for the Disabled. This year, she swam into the Paralympic Games as she wished. She no longer sits in a basketball and looks up at the world. When talking about the feelings of participating in the Paralympic Games, Qian Hongyan said: "It feels like you can stand in a wider place and see the world."

　　△ Figure/vision china
　　In Yeli Village, Jingxing County, Hebei Province, Jia Haixia, who is blind, and Jia Wenqi, who has no arms, support each other. In 2001, the two contracted more than 50 mu of river beach in the village to plant trees. Every morning, Jia Haixia drags Jia Wenqi’s sleeve to the beach. When crossing the river, Jia Haixia helped Jia Wenqi roll up his trouser legs, and Jia Wenqi carried him over. For more than ten years, they planted tens of thousands of trees and insisted on not cutting down or selling a tree. They just turned the desolate wasteland into a dense jungle.
　

　　Due to polio, Li Chuangye had to squat and walk since childhood. He was controlled by beggars at the age of 9, escaped from the magic cave at the age of 16, was admitted to the university at the age of 25, and joined the junior college this year to become an undergraduate. During the summer vacation, he walked in six provinces, climbed to the top of Wuyue Mountain by moving, traveled 7632 kilometers back and forth, climbed tens of thousands of steps, worn out 16 gloves, 6 pairs of shoes and 12 pairs of pants … …

　　Zhang Rihui, who is 60 years old, is a courier in Xuancheng, Anhui Province. He has no feet because of his natural disability. He wraps his knees with rubber to send couriers, and he can send 70 or 80 pieces a day. He said that he had complained about his fate, but complaining could not solve the problem, and he believed that he could change his fate with his own hands.
　

　　Wang Yajing, a post-90s "chin girl" in Fuyang, Anhui Province, was born with cerebral palsy in children and was severely paralyzed from the neck down. In 2008, she tried to operate the mouse with her chin. In the past eight years, she has created more than 4,000 poems, essays and fairy tales, and also published poetry collections and fairy tales. She said, "I know it’s hard to stick to my dream, but when my youth is still there, my dream is gone, which is very sad. Therefore, if my friend comes to me and says that he wants to give up and escape, I will definitely dissuade him and let him try again, because I am still on the road to my dream, and I believe that I will dispel other people’s doubts."

　　Ruhr, a 26-year-old American, lost his legs due to illness since childhood. He made unremitting efforts to become a fitness instructor and gave free classes to the disabled. Doing push-ups and pull-ups with a wheelchair upside down can’t beat him. Ruhr always believed that he could do it, and also asked other disabled people to do so. What else do you want to say "can’t do it" when you see Ruhr?

　　With love, winter is not cold.

　　At present, there are more than one billion disabled people in the world, which is equivalent to one disabled person in every seven people.

　　② There are more than 100 million disabled children, and the possibility of violence is four times that of non-disabled children.

　　③80% of the disabled people live in developing countries.

　　④50% of the disabled can’t afford medical care.

　　⑤ There are more than 85 million disabled people in China, involving 280 million relatives.

　　Many times, the temperature of a society is marked by how to treat the disabled.
　

　　Chongqing, Xiaoyu, a bus arrived at the station, and a passenger with lower limbs was about to get off. Unexpectedly, the driver came and gently lifted him off the bus. The driver kept smiling and the disabled passenger shed tears … … Someone praised the driver as a good man, but he just answered, "What if it’s me?"

　　Let every life be respected, at least ↓ ↓
　

A When greeting, keep your eyes on the other person and don’t stare at the disabled part.

B Be friendly when your eyes meet, and don’t show surprise and doubt.

C if you don’t know sign language, don’t gesticulate, so as not to cause misunderstanding. You can use lip reading or written conversation.

D attention is not onlookers, and it cannot affect the normal activities of disabled people.

E don’t ask about the cause and condition of disability, and avoid involving privacy and pain.

F before helping the disabled, you should ask for permission. Giving help rashly will hurt their self-esteem.

G use honorific words in conversation, and address them in a standardized way without insulting and discriminating language.

H when providing help, we should pay attention to the category of disability and determine the location and intensity of help.

I the national service hotline for the disabled is 12385. If you encounter difficulties, you can call it.

J Remember: Never deliberately imitate the speech and actions of disabled people.

　　Source: CCTV news client

Expert in this issue: Oriental College of Beijing University of Chinese Medicine is proud.

"Men are afraid of hurting the liver, while women are afraid of hurting the kidney." Because of their physiological characteristics, women are burdened with tasks such as menstruation, pregnancy, fetus, childbirth and breastfeeding that men do not have, and it is easy to hurt the kidney, resulting in kidney deficiency. Secondly, with the improvement of women’s social status, the social, work and life pressures they bear are increasing day by day, which can easily lead to the gradual decline of organ function and the decline of essence in the kidney. Therefore, many women have shown kidney deficiency very early.

Kidney deficiency in women should not be underestimated, because it will affect many aspects of women’s physiology, psychology and emotions. So what manifestations will kidney deficiency have? If you have the following signals on your body, it suggests that you may have kidney deficiency.

(1) Premature senility

Traditional Chinese medicine believes that kidney essence is sufficient for good growth and development, strong constitution and long life; Deficiency of kidney essence leads to poor growth and development, weak constitution and short life span. Kidney deficiency in women will be manifested as premature aging, such as premature gray hair, alopecia, tooth shaking, forgetfulness, hearing loss, premature aging of vision and so on.

(2) Early menopause

Generally, women will have menopausal symptoms around the age of 50, while women with kidney deficiency will have menopausal symptoms of kidney deficiency such as amenorrhea, hot flashes, night sweats, mood swings, nervousness and palpitations at the age of 40-45.

(3) the trend of getting fat

Traditional Chinese medicine believes that the basic causes of obesity are phlegm, dampness and deficiency, and further, it is due to deficiency of kidney qi, which leads to stagnation of phlegm and dampness in the body. Therefore, women with kidney-qi deficiency often tend to gain weight. Modern medicine explains the relationship between obesity and kidney deficiency as follows: people with kidney deficiency have weakened endocrine function and lowered basal metabolic rate, resulting in reduced calorie consumption and fat accumulation, leading to obesity.

(4) Sexual apathy, even difficult to conceive.

Traditional Chinese medicine believes that kidney stores essence, controls reproductive development, and the female reproductive system gradually develops and matures under the care of kidney essence. If kidney essence is insufficient, there will be irregular menstruation, decreased libido, infertility and easy abortion.

(5) Fear of cold

Traditional Chinese medicine believes that kidney yang is the foundation of yang. Kidney yang has a warming effect on the whole body, just as solar energy in spring makes people feel warm. If kidney-yang deficiency occurs, the warming effect of body yang will decrease, which is manifested as cold pain in knees, tepid limbs, and cold waist and abdomen. In winter, there will be symptoms such as chills and cold limbs, even frequent urination at night, and listlessness.

(6) Insomnia, dryness and heat all over.

Traditional Chinese medicine believes that deficiency of kidney-yin leads to internal disturbance of deficiency of fire, so women with kidney-yin deficiency are easily agitated and have difficulty in concentrating; Because of kidney yin deficiency, yin qi cannot be adducted at night. It will lead to insomnia and dreaminess; In addition, yin deficiency and essence deficiency can lead to bone dystrophy, so people with kidney yin deficiency often feel weak waist and knees.

Kidney is the root of human life, and the qi and blood energy of the five zang-fu organs need the support of kidney qi. Deficiency of kidney qi will gradually lead to deficiency of other organs in the five zang-fu organs. If you have the above problems, it is suggested that you go to a Chinese medicine specialist as soon as possible to seek professional doctor’s guidance for nursed back to health, so as to avoid the aggravation of kidney deficiency and affect other viscera functions.

Source: Guangming Net

Text | Rotating Sunshine (rich book author)

For adults, exercise is the most cost-effective way to keep fit.

At the end of December 2021, Yuan Jingtian, a 40-year-old rice expert in Sanya, passed away due to illness.

When we feel sorry for expert Yuan, we should also realize the importance of keeping healthy.

I remember reading such a passage:

"We can’t control whether the future is rich or poor, when the cause will develop, and how others evaluate us.

But at least we can control our bodies and keep them in the best condition. "

Health preservation is a magic weapon to maintain the best state of the body. For adults, exercise is the most cost-effective way to keep fit.

Insisting on taking exercise as the top regimen is a homework that we need to work hard to do.

• Exercise gives back to our state of physical and mental health.

Writer Liu Na wrote in "Flowers in Leisure":

"Whether it is a better job, a better company, and a better move forward, we need to give our physical and mental batteries full of energy."

Exercise, like a battery that charges our body and mind, can make us have a healthy body and a good mental state.

Academician Zhong Nanshan, who is over 80 years old, is still fighting in the front line when the epidemic in COVID-19 is raging, maintaining high-intensity work, relying not only on deep scientific research reserves, but also on a strong body.

Zhong Lao’s good state benefits from persistent exercise. In the past few decades, he has exercised at least three times a week for more than an hour each time, which has become his unshakable habit.

Grandpa Zhong Nanshan said, "Exercise plays a key role in my health. The length of life, mostly does not depend on aging and disease, but a normal lifestyle.

Nowadays, it is precisely because many young people have not developed a correct lifestyle that various diseases will appear in their bodies and their organs will age faster. "

The sweat we shed for sports will one day be returned to us with a strong body and a good mental state.

At the same time,Whether it is to drive away confusion or to fight anxiety, exercise is one of the simplest and most practical methods.

Sammi Cheng, a female star, once suffered from severe depression. For a time, she overeated, resulting in a completely out of shape.

She is also getting more and more anxious, and her body and mind are on the verge of collapse.

In order to get rid of her bad state and restore her body and mind to a healthy level, she followed the doctor’s advice and began to try moderate exercise.

She started running for eight kilometers every day, and she persisted for more than ten years.

Although she is nearly 50 years old now, she is still well-proportioned and full of energy, which vividly explains the story that "time never defeats beauty".

Insisting on exercise will make us have a state of good physical and mental health, so that we can calmly resist the traces of time.

The stage of a person’s life is not in the eyes of others, but in his own heart.

We insist on sports, not to win applause from others, but to broaden the length of our lives and the width of our hearts.

• Exercise can help us form the habit of self-discipline.

Russian educator ushinski said: "Good habits are the capital that people store in the nervous system. This capital will continue to grow, and a person can enjoy its interest all his life."

Exercise can help us form the habit of self-discipline, so as to salvage more light and hope in life.

The writer Haruki Murakami has been running for at least one hour every day since 1982.

In the book "What Do I Talk about When I Run", he recorded his running mood for 36 years and his daily feelings.

It takes a lot of perseverance to insist on exercise, but Haruki Murakami thinks, "I don’t want to run today, so I just run. This is the way of thinking of long-distance runners."

He gets up at 4 o’clock every day, writes for 5 hours, runs for 1 hour or swims for 1.5 hours in the afternoon, then reads and listens to music, and goes to bed at 9 o’clock in the evening. Whenever I started writing a novel, this routine never changed.

To outsiders, Murakami’s writing life is a bit rigid, like a Swiss mechanical watch, and every minute is not bad.

But Haruki Murakami himself knows that this habit of self-discipline has benefited him a lot.

Writer Haruki Murakami wrote in his autobiographical novel: "For more than 30 years, I have never felt that writing is a hard job, and I have never encountered a low tide."

Insisting on exercise has helped him form the habit of self-discipline. He moved the habit of self-discipline into his creation, thus gaining a reputation in the literary world.

Although for most of us, even if we persist in exercise, it will not change our lives dramatically, and we will still be anonymous in the vast sea of people.

But insisting on exercise and getting up early will make us change subtly:

Netease Cloud once had such a hot comment: "In fact, you can get up early instead of staying up late. The world is still sleeping, parents are still sleeping, the boss is sleeping and the teacher is sleeping;

The whole world is still sleeping, so you can watch the sun rise slowly and feel that the light will always come;

The people you care about will wake up slowly, the world is still moving slowly, and you will still have your own time. "

Persisting in exercise and getting up early will give us a brand-new state to treat life, thus continuing to write about beauty in ordinary daily life. This is also the compound interest effect of self-discipline.

Because time knows, there has never been any life, only a lot of accumulation.

• Exercise can make us more resilient.

Angela duckworth, an American psychology professor, through the study of West Point Military Academy, came to the conclusion that:

"The core element of a person’s success is not IQ, EQ, family background, or so-called test scores, but the person’s psychological resilience, or anti-vulnerability. "

Sports is a powerful weapon to exercise our psychological resilience.

Because many sports have their own competitive characteristics. As long as you participate in sports competitions, you will win or lose.

If you participate in sports regularly, you won’t care about winning or losing for a while, thus making people more resilient.

In his New Year’s Eve speech in 2022, Luo Zhenyu talked about one thing that he went to see 60-year-old Yu Minhong:

"I asked him, do you exercise at ordinary times? He immediately got up and did 10 push-ups, which made me dumbfounded.

What I envy is not only his body, but his energy. New Oriental’s education and training business was frustrated, but it’s okay. People started all over again and worked on agricultural products. "

Yu Minhong, 60, can get up immediately and do 10 push-ups, which means that he should spend a lot of time on exercise.

In fact, Yu Minhong has always attached great importance to sports. He once advocated in his speech that "every child should practice at least one sport."

As we all know, Yu Minhong is a very resilient person:

He was admitted to the university only after three college entrance examinations, and he also experienced various hardships in the process of starting a business in New Oriental.

In 2021, due to the implementation of the national "double reduction" policy, Yu Minhong’s teaching and training business in New Oriental was frustrated. Yu Minhong was not discouraged, but took the lead in leading teachers to transform into live sales of agricultural products.

Yu Minhong’s resilience in the face of difficulties comes from his usual exercise.

Wang Xiaobo said: "Life is a slow process of being hammered."

Exercise gives us the resilience and confidence to wait for a bright future when facing the life of mountains and rivers.

Ming Chen, the champion mentioned by Qipa, once said: "Nothing in the world is meaningful, but meaning is given by people. And persistence itself is an extremely shining meaning. "

Insisting on exercise is to protect our health and expand more possibilities for our life.

At the beginning of the new year in 2022, I hope that when we make New Year’s resolutions, sports can squeeze into our crowded wish list, and I hope that everyone of us can enjoy sports.

Love sports, this is the way we adults should pursue health.

About the author: Rotating Sunshine (author of Fu Shu) upgrades life awareness with 5 million people. The source of this article is Fu Xiaoshu. The copyright of this article belongs to Fu Shu, and it is not allowed to be reproduced without authorization. Infringement will be investigated.

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