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CTR year-end feature： the mainstream media in China struggling under the pressure of the epidemic.

　　In the year of epidemic in 2020, people’s life safety is threatened, their life style is distorted, and the demand for high-quality information becomes more and more urgent, which also makes the value of mainstream media more prominent. In such a special year, what highlights did the mainstream media in China show and how did it change? At the end of the year and the beginning of the year, CTR scans the inventory for you.

　　First, the more dangerous the moment, the more the highlight of the mainstream media.

　　When the epidemic suddenly struck at the beginning of the year, which media can respond to the audience’s concerns about hot issues in a timely manner at this critical moment, and which media is truly the mainstream media.

　　On January 20th, Zhong Nanshan was interviewed by Bai Yansong, and issued the early warning of "human-to-human transmission" for the first time, which became a major turning point in the prevention and control of epidemic situation in China. Subsequently, the Central Radio and Television General Station successively sent more than 200 front reporting teams, and the CCTV news client’s uninterrupted live video broadcast of "Common War" for more than two months became the most concerned epidemic source of the whole network. With the help of WeChat platform, People’s Daily provides fast medical access for those who are infected with novel coronavirus; Hubei Radio and Television’s "Yangtze Cloud" client launched "Fighting against Epidemic ‘ Epidemic ’ The "free clinic" section provides users with convenient services such as free consultation and delivery of medicines to their homes; Hubei Voice Cabin Broadcasting is known as "Battlefield Broadcasting", which has created a new emergency format for broadcasting media. Sina Weibo cooperates with the central media and government departments, and by virtue of the advantages of social platforms, it delivers important information in time, and has also become an aggregation platform for epidemic situation and public opinion.

　　According to the national TV market viewing data, from January to November 2020, the per capita viewing time was as long as 253 minutes, a record high in the same period of ten years, in which the viewing time of news programs accounted for 17%, up 5% year-on-year. Among them, the viewing share of CCTV news channel increased by 73% in the first half of 2020, and the single-day share reached 8.73% on January 26, which was the highest single-day value since the channel started broadcasting in 2003.

　　According to CTR’s monitoring and evaluation of the network communication power of eight central media and 38 radio and television organizations at or above the provincial level in the most critical period of epidemic prevention and control (January 20 to February 20), China Central Radio and Television General Station, People’s Daily and Xinhua News Agency rank among the top three central media; Central Radio and Television General Station, Hubei Radio and Television Station and Zhejiang Radio and Television Group rank among the top three radio and television institutions at or above the provincial level.

Ranking of Internet Communication Power of Central Media’s Anti-epidemic Reports

Data period: January 20th to February 20th, 2020.

Data period: January 20th to February 20th, 2020.

Ranking of Network Communication Power of Anti-epidemic Reports of 38 Radio and Television Organizations

Data period: January 20th to February 20th, 2020.

Data period: January 20th to February 20th, 2020.

　　Second, due to changes, media integration has entered the fast lane of upgrading and deepening.

　　The year of the epidemic is also a year in which the digitalization process of the audience is accelerated, especially for middle-aged and elderly people, which originally took several years to infiltrate and transform, but was forced to speed up to several months by the epidemic. On June 30 this year, the central government issued the order to accelerate the development of deep media integration again after a lapse of six years. Under the brand-new strategic layout of "5G+4K/8K+AI", the structural reform of the content supply side has been fully promoted by the Central Radio and Television General Station; Hunan Radio and Television’s "Mango Mode" iteration is version 2.0, which has been upgraded from the original "one body, two wings and one pluralism" to "one cloud, multiple screens and one pluralism"; SMG launched the BesTV+ streaming media strategy, and upgraded the streaming media strategy to the overall strategy of the group. The media integration process of mainstream media has entered the fast lane of upgrading and deepening.

　　According to CTR media monitoring data, as of the third quarter of 2020, the cumulative download volume of self-owned APP products of 11 provincial radio and television institutions has doubled; The number of fans in the single account of 8 radio and television organizations increased by over 100%; On the third-party platform, there are a total of 111 fans with a size of over one million. Taking the short video category as an example, the short video communication of mainstream media will show explosive growth in 2020. The average number of fans of short video accounts in mainstream media reached 1.55 million, of which 37 were tens of millions of top-stream accounts, an increase of 15 over 2019. In CTR- Aauto Quicker media number list, CCTV News, People’s Daily and People’s Daily ranked among the top three media numbers in Aauto Quicker. What’s more worth mentioning is that "CCTV News" Tik Tok achieved over 100 million fans on October 26th, and became an absolute top account.

　　Video channels with short network transmission in the first three quarters of 2020;

　　TOP10 list of radio and television organizations at or above the provincial level

　　Data cycle: January-September 2020

　　Data cycle: the third quarter of 2020

　　Along with the strategic upgrade of integration and transformation, MCN of radio and television in various places has flourished. Up to now, at least 20 radio and television organizations in China have been transformed into MCN organizations. According to the joint research of CTR and Aauto Quicker Science and Technology, there are nearly 70 media MCNs on the platform of Aauto Quicker alone, and there are nearly 50 accounts with more than one million fans. The monthly video broadcast volume exceeds one billion, and the media MCN institutions have entered a rapid climb stage from the initial stage in 2018.

　　At the same time, the communication innovation of the mainstream media in the epidemic year has also been branded with a strong "epidemic" brand, showing a face of integration of pattern renovation. All kinds of "cloud weapons" such as slow live broadcast, cloud editing, holographic images, AI and AR are in full bloom. The live "slow live broadcast" of "Central Video" launched during the construction of Huoshenshan Hospital and Thunder God Mountain hospital attracted nearly 170 million online "cloud supervisors" in less than two days. Large-scale variety shows such as Hunan Satellite TV’s Singer’s Year of Playing, Sound in the Surrounding 3, Oriental TV’s New Blind Date in China, and Shandong Satellite TV’s I am a Big Star have started the cloud production mode. During the two sessions, Hubei Radio and Television took the lead in launching the "editorial department on the blockchain cloud" and innovating the "news crowdfunding" model. There are also mainstream media-born "New Network Red", such as Wang Bingbing, who is praised by netizens as the host with the most beautiful smile, and Sa Beining, who is the originator of Versailles, who has frequently boarded hot searches for all kinds of words. It can be seen that the mainstream media is becoming more and more proficient in grasping hot spots, creating interesting points and tipping points in the new position of the Internet.

　　According to the monitoring of CTR media convergence network communication power evaluation system, in the first three quarters of 2020, China Central Radio and Television General Station, People’s Daily and Xinhua News Agency ranked among the top three in central media network communication power. Among the 38 radio and television institutions above the provincial level, CCTV, Hunan Radio and Television Station and Shanghai Radio and Television Station rank in the top three.

　　Comprehensive list of network communication power in 2020

　　Data cycle: January-September 2020

　　Third, traditional advertising is under increasing pressure, and media marketing creates new growth.

　　Affected by the epidemic, economic activity declined, advertisers were more cautious during the epidemic, and the resources of the media itself also decreased, and offline activities as an important income supplement of the media were forced to suspend. CTR’s advertising monitoring data shows that although TV viewing increased during the epidemic period, the advertising in the TV industry did not increase with the increase of viewing. From February to April, the spending on TV advertisements dropped by over 30% year-on-year, and the overall spending on advertising publications in the first three quarters of 2020 dropped by 15.4% year-on-year. For the first time in ten years, the proportion of advertisers who reduced their advertising budget this year was higher than that of advertisers who increased their budgets. Although after the third quarter, with the rapid economic recovery, the decline of advertising expenditure narrowed, and the advertising publication expenditure in October ushered in a double growth month-on-month and year-on-year, of which TV advertising increased by 4.4% year-on-year, but the overall advertising market is still in a state of structural adjustment under heavy pressure, and advertisers’ marketing budget is further concentrated on head media and top resources, and tilted towards media marketing.

　　In 2020, the "Brand Power Project" of China Central Radio and Television General Station integrated media resources and built a brand-new communication service plan. The business innovation in resources and services was fully recognized by the market, and the pre-sale of "Brand Power Project" increased by 27% year-on-year, achieving contrarian growth.

　　In 2020, "live broadcast with goods", a new Internet format, ushered in a phenomenal explosion, which was a successful exploration of the mainstream media’s integrated marketing to create new growth. Starting from the public service live broadcast of Hubei specialty products such as "Xiao Zhu Pei Qi" by the Central Radio and Television General Station, with the help of the integration mode of "TV+E-commerce", "CCTV Boys" (Kang Hui, Sa Beining, Zhu Guangquan and Nigmat) brought 1.4 billion goods in three hours, setting a new record for live broadcast, and "buying all over China" drove consumption to pick up on a large scale. Since this year, CCTV’s live broadcast has accumulated goods.

　　The fact that these media-integrated marketing have created new growth proves that most advertisers’ demand for advertising marketing is not only to release product promotion information, but also to upgrade their own products and solutions. Therefore, tapping media-integrated resources, designing media-integrated products and using big data to create a new digital infrastructure for media-integrated marketing upgrade have become major propositions that mainstream media must answer for survival and development.

　　Fourth, the international public opinion field presents a new situation, and the new track calls for new kinetic energy.

　　The epidemic situation has had an important impact on economic globalization and international public opinion field, and the epidemic prevention measures, coping models and international cooperation mechanisms of various countries have become global concerns. Grasping the law of international communication and the new situation of international public opinion field, fully understanding the important role of the Internet in international communication and actively deploying overseas social platforms are one of the highlights of improving the international communication ability of major domestic media.

　　According to the influence data of CTR overseas social platform, the overseas influence of CCTV ranks first, while People’s Daily and Xinhua News Agency rank second and third. CCTV has opened more than 240 accounts on YouTube and Facebook, two major international social media platforms, with a cumulative subscription of 370 million accounts. The cumulative subscription of Xinhua News Agency accounts is 190 million. During the epidemic period, CGTN released "Wuhan War and Epidemic" through YouTube platform, which made overseas audiences know the actual situation in Wuhan for the first time, with a cumulative broadcast volume of 17.89 million.

　　TOP10 Influence of Overseas Social Platforms of Mainstream Media Organizations in 2020

　　Image data period: January 1-December 18, 2020.

　　TOP5, the influence list of overseas social platforms of mainstream media organizations in 2020

　　January 1-December 18, 2020

　　Facebook and YouTube

　　Cumulative subscription of central media on two overseas social media platforms

　　Innovative communication strategies from the audience, effective use of self-media to convey China’s voice, showing people’s lives through daily scenes, presenting vivid and three-dimensional image of China from the perspective of ordinary people, and combining "hard power" and "soft communication" to complete the transformation from discourse power to international communication ability are another highlight of the overseas communication of mainstream media in 2020.

　　In the year of epidemic in 2020, China has created two miracles. One is that it has made great strategic achievements in epidemic prevention and control, and the other is that it has become the first major economy in the world to achieve positive economic growth. It can be said that the mainstream media in China lived up to their mission under the heavy pressure of the epidemic and made due contributions to the creation of the two miracles.

Memento, a maze of time built by Nolan 21 years ago.


Director:

Screenwriter: Christopher Nolan/

Starring:/carrie-anne moss//Rush Figa … …

Type: plot/suspense/thriller/crime

Producer country/region: USA

Language: English

Release date: October 20, 2000

Length: 113 minutes


Special feature of 1905 film network It is a suspense film directed by Christopher Nolan and co-starred by guy pearce and carrie-anne moss.This film tells the story of Lenny, who suffers from anterograde amnesia, searching for the killer of his wife through fragmented memory.



# The Time Traveler who Constructs the Narrative Labyrinth #


When you mention Nolan, which movie comes to mind first? Did you really blow up a plane in the movie?



Or in the movie, Nolan and the staff specially planted a cornfield?


Or would you rather use paper instead of real people than shoot with special effects?


In fact, Nolan is a veritable "time magician" besides being a "real-shot maniac" who doesn’t like to use special effects in movies.


Memento’s opening flashback movie clip


This director, who majored in English literature in college, started from his first novel "Follow", and firmly branded the film style of "nonlinear narrative" in each of his works, breaking the narrative rules and deconstructing the context of time. Nolan’s works are the repeated expansion and deepening of the concept of time.


"Follow" movie poster


Nolan’s film career began when he was very young. When he was 7 years old, he began to make a preliminary film with his father’s small camera. Perhaps he got a lot of fun from filming. Nolan said that he made up his mind to make a film in the future when he was 10 years old. When he went to college, he founded the "16mm" club in partnership with his friends.


Christopher Nolan in his youth


He studied how to make a movie with a group of like-minded friends, and the novel Follow was born here. This work, which was completed at a cost of $6,000, attracted Nolan a lot of attention. Although the budget of the second work, Memento, rose directly to $4 million, it fell into a dilemma that no one was willing to release after the filming.

　

Nolan and Memento starred in guy pearce　


As the saying goes, a hero has three gangs. The protagonist in Memento relies on photos and words to help him find clues, and Nolan, the director outside the play, also has his own right-hand man. It is also because of their help that Memento was able to meet the audience smoothly after several setbacks.


# Best creative partner #


Memento’s story blueprint is derived from a short story by his own brother, jonathan nolan.

　

Since Memento, Jonathan, as a screenwriter and Nolan’s partner, has successively completed five films, including,, Interstellar, etc.


But just as Nolan is left-handed and his brother is right-handed, it is inevitable that there will be differences between the two brothers in creation. For example, in the previous box office word-of-mouth harvest, the two brothers had conflicting opinions.

　

Nolan and his younger brother jonathan nolan.


Inception is Nolan’s first independent screenplay. He just started to write a typical Hollywood theft film. The biggest villain in it was originally designed by Joseph, who told a story about a friend’s betrayal.


Inception movie poster


As a result, his brother said after listening, this is too vulgar. Why do you want to make such a film? Then Nolan began to change, and this change was ten years. After filming, he showed it to his brother as soon as possible, and he also wanted to say whether to delete the last gyro spinning scene in the film.


Inception gyro fragment


The idea was stopped by Jonathan, who thought it was interesting to let the audience challenge the process itself. Of course, it turns out that the audience is much smarter than they thought. Nolan thinks that their differences in creativity all stem from sincerity, which is not difficult to solve. So Memento, as their first film collaboration, the two brothers were nominated for the American Academy Award for Best Original Screenplay.

　

Memento movie stills


# Closest partner and confidant #


Memento, a film with a production cost of $4 million, earned $25 million at the box office in the United States.


Memento movie stills


This data can be said to have dumped the mainstream American market in 2000 with a loud slap in the face. Why do you say this? Because almost no distribution company in the whole United States is willing to take over after the film has just been produced, even if the film has won praises at many international film festivals such as Venice and Toronto, and more than 20 foreign distributors are willing to join, because they think the film itself is too chaotic to attract a large audience.


Memento movie clips


Finally, the production company of the film, a private film company called New Market, took financial risks and undertook the release of the film. And the key figure is Nolan’s closest confidant, his wife.

　

Nolan and his wife emma thomas.


Speaking of Nolan’s relationship with Emma, I really envy others. The two met on the first day of college, lived in the same dormitory building, and later Nolan joined the school’s film club with Emma. He studies technology and Emma runs it. In Nolan’s words, although Emma’s work is not glamorous or eye-catching, she participated in every link of his later film production and was his closest friend.

　

Memento movie stills


After graduation, Emma entered the New Market Film Company, became one of the producers in Memento, and became the first audience of Nolan’s works.

　

Memento movie clips


With the help of his brother and wife, this Memento, which condensed Nolan’s painstaking efforts, made it onto the big screen smoothly, and won a domestic box office of $25 million. This week, let’s go into the movie Memento and see this maze of time built by Nolan 21 years ago.

This week’s show live


Welcome to CCTV6 "Junlebao"

June 19th (Saturday)

Saturday Promotion Edition 22:15

Memento 22:24

20 June (Sunday)

Memento 13:28

Sunday Film Review Edition 15:23

Famous Teachers’ Comments on the Composition of National College Entrance Examination Volume B in 2023 —— Paying attention to the growth of young people and paying attention to critical thinking

　　On June 7, 2023, the curtain of the college entrance examination opened, and the national B-volume composition became a hot topic. What are the profound meanings and directions of this year’s college entrance examination composition topic setting? How to write a high score composition? The reporter invited Pan Cong, a senior teacher of Henan Experimental Middle School, to make comments.

　　Pan Cong said that this year’s Henan college entrance examination language used the national B volume, and the composition was a material composition. The first material takes "lamp" and "road" as metaphors, and vividly explains the simple reason that harming others is not self-serving, or even harming themselves; The second material takes "flowers" and "gardens" as metaphors, which vividly illustrates the relationship between the bright bloom of individuals and the prosperity and beauty of groups. The selection of two materials focuses on guiding candidates to think about the dialectical relationship between themselves and others, individuals and groups, so as to examine candidates’ humanistic background and sense of responsibility.

　　"The proposition pays attention to the growth of young people and is in line with the reality of young people. Candidates have something to say and the difficulty is moderate." Pan Cong said.

　　After reviewing the questions, how to conceive the idea? Pan Cong believes that it can be understood from three angles: people, groups and groups, and countries. Get along with others, be kind to others and treat others with virtue; Between groups, we should respect differences, and don’t have a single standard and a high wall; Countries should not beggar their neighbors, but build a community of human destiny, which is interrelated and interdependent. When writing, we can grasp the meaning of "spring" and "beauty" and write from the relationship between youth development and national prosperity. The contemporary youth department can be the world, enjoy a broad platform, and can make great achievements; At the same time, we should also have the concept of integrating the "ego" into the "ego", combine individual brilliance with national prosperity and national rejuvenation, add colorful flowers to the youth in the era with individual brilliance, and create the spring of the motherland garden with the fragrance of youth.

　　"The examination of critical thinking is more common in the composition questions of college entrance examination over the years. In Chinese teaching, teachers can use various means to strengthen the training of students’ critical thinking ability in the process of classroom teaching, after-school homework and Chinese learning activities." Pan Cong said. (Reporter Feng Junfu)

　　2023 National College Entrance Examination Volume B Composition Topic

　　Read the following materials and write as required. (60 points)

　　Blowing out other people’s lights will not make you brighter; Blocking others’ way will not make you go further.

　　"A single flower is not spring, and a hundred flowers bloom in spring." If there is only one kind of flower in the world, even if it is beautiful, it is monotonous.

　　The above two materials are from the speech of the Supreme Leader General Secretary, which tells the general truth in vivid language. Please write an article based on this to reflect your understanding and thinking.

　　Requirements: select the right angle, determine the concept, clarify the style, and draw up the title; Do not copy or copy; Do not disclose personal information; Not less than 800 words.

Developing cross-border e-commerce to stimulate foreign trade momentum

Overseas food, beauty products and health care products "fly" into the homes of China people, and Chinese-made clothing, shoes, hats and daily necessities reach the whole world … In recent years, cross-border e-commerce has developed rapidly with the advantages of online trading, non-contact delivery and short trading chain. According to the latest statistics, in the first half of 2024, China’s cross-border e-commerce import and export was 1.22 trillion yuan, up 10.5% year-on-year, and the growth rate was 4.4 percentage points higher than that of China’s foreign trade in the same period. The number of cross-border e-commerce and cross-border mail express parcels supervised by the customs every year reaches more than 7 billion, with an average of about 20 million pieces per day. From 1.06 trillion yuan in 2018 to 2.38 trillion yuan in 2023, the import and export of cross-border e-commerce in China has increased by 1.2 times in five years. The overall scale of cross-border e-commerce, from small to large, from large to excellent, has become a vital force in China’s foreign trade development and a new bright spot in the global economic and trade field.

As a new foreign trade format and model driven by scientific and technological innovation, cross-border e-commerce has a new business concept, strong technical support and quick response, which has played a powerful role in promoting the growth of China’s foreign trade. The innovative allocation of production factors by cross-border e-commerce is also in line with the characteristics and requirements of the development of new quality productivity. In recent years, China attaches great importance to the development of cross-border e-commerce. Since it was first mentioned in the Government Work Report in 2014, cross-border e-commerce has always been one of the key tasks of governments at all levels. The Central Economic Work Conference in 2023 clearly pointed out that it is necessary to speed up the cultivation of new kinetic energy of foreign trade, consolidate the basic disk of foreign trade and foreign capital, and expand intermediate trade, service trade, digital trade and cross-border e-commerce export. The issuance of documents such as Opinions on Expanding Cross-border E-commerce Exports and Promoting the Construction of Overseas Warehouses, and Announcement on Tax Policies for Goods Returned for Export in cross-border electronic commerce also provided strong policy support for promoting the development of cross-border e-commerce. In practice, cross-border e-commerce related initiatives have been promoted. In 2015, the State Council established a comprehensive cross-border e-commerce pilot zone for the first time. After six expansions, 165 comprehensive cross-border e-commerce pilot zones were established, achieving full coverage in 31 provinces, autonomous regions and municipalities. The system of cross-border e-commerce transactions, payment, logistics, customs clearance, tax refund and foreign exchange settlement has been accelerated, and technical standards, business processes, supervision models and information construction have been continuously improved. All powerful measures jointly promote cross-border e-commerce to go into battle lightly and flourish.

As a transnational transaction, trade needs to be carried out by enterprises as the main body. At present, there are 645,000 foreign trade enterprises with import and export performance in China. According to preliminary statistics, there are more than 120,000 cross-border e-commerce entities nationwide, and the rapid growth of e-commerce entities has laid a solid foundation for the development of cross-border e-commerce. Cost is the key to enhance international competitiveness, and promoting the development of cross-border e-commerce agglomeration with industrial parks is an effective way to reduce trade costs. There are more than 1,000 cross-border e-commerce industrial parks in China. Cross-border e-commerce entities gather in the parks, and the supporting facilities of upstream and downstream producer services are constantly improved, further reducing the industry cost. In the logistics and distribution, cross-border e-commerce enterprises build competitive advantages through different modes such as direct mail cross-border special lines and overseas warehouses. At present, there are more than 2,500 overseas warehouses with a total area of more than 30 million square meters. In terms of business model, the innovative custody model of cross-border e-commerce has greatly reduced the professional restrictions and international trade thresholds, giving domestic small and medium-sized enterprises and supply chain factories the opportunity to join the tide of going to sea. In marketing and management, cross-border e-commerce enterprises take advantage of data and algorithms to promote marketing and management from extensive to fine, and build the advantages of cross-border e-commerce supply chain with high cost performance, efficient production and rapid supply. The growth of business entities, the construction of cross-border e-commerce industrial parks, the construction of overseas warehouses and the refinement of management have built a comprehensive competitive advantage for cross-border e-commerce in China and provided strong support for the high-quality development of the industry.

Cross-border e-commerce is a promising track. With the help of policies and technology, China’s cross-border e-commerce has accelerated, and there is still great potential to be tapped in the future market, and there is a broad space to expand.

In the next step, we should continue to vigorously cultivate cross-border e-commerce business entities, promote the integration and development of cross-border e-commerce and industry, and create a cross-border e-commerce empowerment industrial belt. Accelerate the brand building of cross-border e-commerce enterprises, support enterprises to "borrow from the sea" and enhance the technical content and added value of trade. Increase financial support, smooth financing channels for cross-border e-commerce enterprises, optimize cross-border fund settlement services, develop supply chain finance in compliance with laws and regulations, strengthen financial guarantee for cross-border e-commerce and reduce operating costs. At the same time, optimize cross-border e-commerce export supervision, promote and standardize cross-border data flow, and improve cross-border data management and service level. In addition, we should actively participate in multilateral mechanism negotiations, exchanges and cooperation, and play an active role in the formulation of international standards and rules in electronic documents, paperless trade and electronic transactions.

It is believed that with the continuous improvement of the policy system, the increasingly sound market system, the continuous improvement of infrastructure, the improvement of the quality of superimposed products and the acceleration of brand building, China’s competitive advantage in the trade field will continue to emerge. Constantly promoting the high-quality development of cross-border e-commerce will certainly help build a new development pattern and inject new vitality into global economic development.

(Author: Liu Zhicheng, a researcher at China Macroeconomic Research Institute)

Expert： Interest expense is basically unaffected.

　　Nanfang Daily News (Reporter/Li Hualian, zhangyan, Chen Ying) On August 25th, the People’s Bank of China announced that since October 8th this year, the new commercial personal housing loan interest rate has been formed by adding the loan market quotation rate (LPR) for the corresponding period in the latest month as the pricing benchmark. Among them, the interest rate of the first set of individual housing loans shall not be lower than the corresponding term LPR, and the interest rate of the second set of individual housing loans shall not be lower than the corresponding term LPR plus 60 basis points.

　　What is the impact of the adjustment of housing loan interest rate on ordinary residents’ loans? In this regard, the relevant person in charge of the People’s Bank of China said that compared with before the reform, the interest expenses of households applying for individual housing loans were basically unaffected.

　　The interest rate of the first home loan shall not be lower than the quoted interest rate of the loan market for the corresponding term.

　　According to the announcement of the central bank, since October 8 this year, the interest rate of newly issued commercial personal housing loans has been formed by adding the loan market quotation rate (LPR) of the corresponding period in the last month as the pricing benchmark. The added value should meet the requirements of national and local housing credit policies, reflect the loan risk situation, and remain unchanged during the contract period.

　　"The most important change in this adjustment is the change in the pricing benchmark of individual housing loans." Dong Ximiao, chief researcher of Xinwang Bank, said in an interview that before this adjustment, the pricing benchmark of individual housing loans was the benchmark interest rate of loans. After adjustment, the pricing benchmark of individual housing loans is the loan market quotation rate (LPR), that is, the interest rate of individual housing loans is determined by adding some points on the basis of LPR.

　　How to price the interest rate of individual housing loan after the reform? In this regard, the relevant person in charge of the People’s Bank of China said that after the reform, the interest rate of newly issued commercial personal housing loans was formed by adding the quotation rate of the loan market for the corresponding period in the last month as the pricing benchmark. Among them, the loan market quotation rate is calculated by the quotation bank of the loan market quotation rate. According to reports, after the conversion of the pricing benchmark, the interest rate of the first set of individual housing loans newly issued nationwide shall not be lower than the corresponding term LPR (according to the LPR of more than five years on August 20, 4.85%); The interest rate of two sets of personal housing loans shall not be lower than the corresponding term LPR plus 60 basis points (calculated as 5.45% according to the LPR of more than five years on August 20), which is basically equivalent to the actual minimum interest rate of personal housing loans in China at present.

　　Interest expense is basically unaffected.

　　The announcement makes it clear that the repricing period of individual housing loan interest rate can be agreed by both parties through consultation, with the shortest period being one year and the longest period being the contract term. Borrowers and lending banks can choose according to their own interest rate risk bearing and management capabilities. Every time the interest rate is repriced, the pricing benchmark is adjusted to the LPR of the corresponding period in the latest month.

　　What is interest rate repricing? The relevant person in charge of the People’s Bank of China explained that interest rate repricing means that the loan bank determines to form a new loan interest rate level according to the change of pricing benchmark according to the calculation method agreed in the contract.

　　"Compared with before the reform, households applied for personal housing loans, and interest expenses were basically unaffected." The relevant person in charge of the People’s Bank of China said that the announcement was mainly aimed at the interest rate of newly issued individual housing loans, and the interest rate of existing individual housing loans was still implemented according to the original contract. The interest rate policy of provident fund personal housing loan will not be adjusted for the time being.

　　It is strictly forbidden to provide "remortgage and mortgage" services.

　　Why adjust the mortgage interest rate at this time? The relevant person in charge of the People’s Bank of China said that the interest rate of individual housing loans is an integral part of the loan interest rate system. In the process of reforming and improving the formation mechanism of the loan market quotation rate (LPR), the pricing benchmark of individual housing loans also needs to be converted from the loan benchmark interest rate to LPR to better play the role of the market.

　　"The personal housing loan interest rate is also an important part of the long-term management mechanism of the real estate market and the regional differentiated housing credit policy." The relevant person in charge of the People’s Bank of China said that in order to implement the positioning of "the house is for living, not for speculation" and the long-term management mechanism of the real estate market, ensure the smooth and orderly conversion of the pricing benchmark, keep the interest rate of individual housing loans basically stable, and safeguard the legitimate rights and interests of both borrowers and lenders, the People’s Bank of China issued an announcement to clarify matters related to the adjustment of the interest rate of individual housing loans.

　　At the same time, the announcement stressed that it is strictly forbidden to provide personal housing loans with "remortgage" and "mortgage-adding" services to ensure the smooth and orderly progress of related work.

　　■ Interpretation

　　Mortgage interest rate will be more market-oriented.

　　For property buyers, after the New Deal, did the mortgage interest rate go up or down? According to the monitoring data of Rong 360 Big Data Research Institute, in July 2019, the average interest rate of the first home loan in China was 5.44%, and the average interest rate of the second home loan was 5.76%. If the LPR after October 8 is roughly maintained at the current level, does it mean that the mortgage interest rate has declined after the New Deal?

　　"This is the minimum requirement for national unity." Dong Ximiao said that judging from the announcement, the provincial branches of the central bank will determine the lower limit of the interest rate of the first and second sets of individual housing loans in various places according to the principle of "policy according to the city" and changes in the local real estate market situation.

　　Zhou Jingtong, a researcher in charge of the Bank of China, said in an interview that the future mortgage interest rate will more prominently reflect the regionality, monetary policy and credit strategies of banks, and the difference of mortgage interest rate will be greater in different regions, different customers and different periods.

　　At the routine briefing on the State Council policy held by the State Council Press Office on August 20th, Liu Guoqiang, deputy governor of the central bank, made it clear that the principle of "staying in the house without speculation" should be resolutely implemented in the real estate market, and the mortgage interest rate would not drop.

　　From the market point of view, the mortgage interest rate has an upward trend in August. According to the latest information obtained by reporters from a number of banks, it is unlikely that the short-term mortgage interest rate will be lowered due to the recent tight mortgage quota.

　　Nanfang Daily reporter Chen Ying zhangyan Li Hualian

What else can you ask for if the price does not exceed 160 thousand yuan？ Test drive Geely brand-new Xingrui L.

　　The biggest change of Geely Xingrui’s upgrade is in terms of power. The new Xingzhiqing powertrain is based on the CMA architecture. What are its actual differences?

What else can you ask for if the price does not exceed 160 thousand yuan? Test drive Geely brand-new Xingrui L_fororder_image001

　　The front face shape of the new Xingrui L has been slightly optimized, and the headlights and the lower two sides are sharper. The middle net grille still adopts the waterfall shape, and the overall three-dimensional effect is stronger. The taillight has introduced a one-piece through shape, and the exhaust holes on both sides have been changed from oval to rectangular. The wheel hub adopts the brand-new 18-inch double ten-spoke blackening design, and the visual effect is very blooming! The tires are made of ATLAS ATLAS AS330 series, with specifications of 225/45 R18.

What else can you ask for if the price does not exceed 160 thousand yuan? Test drive Geely brand-new Xingrui L_fororder_image002

What else can you ask for if the price does not exceed 160 thousand yuan? Test drive Geely brand-new Xingrui L_fororder_image003

　　The interior center console is very simple in shape, and the mainstream 13.2-inch central control vertical screen is introduced, which makes the operation more convenient and the resolution more clear. Most of the traditional physical keys are cancelled, and only a small number of key functions are reserved above the central passage area. At the same time, the in-line gear lever has been changed to the arm structure, the steering wheel has become a four-position type, and the shapes of the instrument panel and the air outlet of the air conditioner have also been optimized. The brand-new design concept is very mainstream. The car system adopts the latest version of Galaxy OS 2.0.9, and it still needs to be optimized in terms of touch response and menu interface logic. In particular, the function of rearview mirror adjustment can’t be searched in the on-screen menu after the physical buttons of traditional door panels are cancelled, and it can only be popped up by the * button in the lower right corner of the multi-function steering wheel. The new 10.2-inch all-digital LCD dashboard is very rich in function display, but it also brings a problem, that is, the intuitive feeling for drivers who are not familiar with it will be dazzling at first sight, and the font information is a little small.

What else can you ask for if the price does not exceed 160 thousand yuan? Test drive Geely brand-new Xingrui L_fororder_image004

　　The new Xingzhiqing powertrain is designed with a 1.5TD four-cylinder structure, which is indeed improved in ride comfort and power compared with the previous generation hybrid three-cylinder structure. And hybrid special 3-speed DHT transmission +P1— The P2 double motors make the car get a qualitative improvement in power and fuel consumption. The maximum power and torque of the engine is 120 kW/255 N m, and the combined maximum power and torque in hybrid mode is 220 kW/575 N m.. The official claims that the comprehensive average fuel consumption per 100 kilometers is 4.22L, and at the same time, the acceleration of 100 kilometers can be completed within 7.5 seconds. The suspension system still adopts the structure design of pre-McPherson/rear multi-link. The front and rear wheel tracks of 1618mm are said to be the widest design in the industry at present, and the stroke of the shock absorber has reached the front 185mm/ rear 213mm, so that extra long stretching space can be obtained.

What else can you ask for if the price does not exceed 160 thousand yuan? Test drive Geely brand-new Xingrui L_fororder_image005

　　When driving a new car, you can clearly feel the powerful assistance brought by the hybrid system. The throttle response is very sensitive, the power is on call, and there is no delay. At the same time, you don’t feel a sense of frustration during the shift process, especially in the sports mode. The power output characteristics are very direct. When switching to the intelligent mode, it will become very smart. In most driving processes, as long as the throttle is not deep, it will not easily start to participate in the work. Driving in the rolling road section, the chassis gives the driver a solid feedback, and has good toughness and shock absorption. The directivity of the steering wheel is also accurate and not vague, especially when the high-speed disc bridge turns, the anti-roll force is well suppressed, and the rebound of the front of the car after sinking is also very rapid during the heavy braking process, and there is basically no feeling of sloppiness. However, the vibration transmitted to the car when passing through the standard triangular speed bump at medium and low speeds will be somewhat obvious, which is called hard shock absorption.　

What else can you ask for if the price does not exceed 160 thousand yuan? Test drive Geely brand-new Xingrui L_fororder_image006

　　The new car is really optimized in NVH! In the process of driving at a speed of 120km/h, the front and rear passengers can communicate easily and normally, and the wind noise control is very effective. At the same time, the noise and vibration control after the engine starts to participate in the work is also very good, but the fly in the ointment is that the tire noise is a little too large, which is of course directly related to the matching low-cost tires. But the price of the new car does not exceed 160 thousand yuan, what else can you ask for it? (Photo: provided by Geely Automobile)