标签： 夜无忧论坛

　　In 2017, there were 5052 new cases of suspected illegal fund-raising in China, involving 179.55 billion yuan, down by 2.8% and 28.5% respectively year-on-year. From January to March 2018, there were 1037 new cases of illegal fund-raising involving 26.9 billion yuan, down by 16.5% and 42.3% respectively year-on-year. However, the total number of cases is still running at a high level, the number of people involved in fund-raising continues to rise, cross-provincial cases continue to occur frequently, and the overall situation is still grim.

　　(Reporter Cheng Jie) Yesterday, the "2018 Legal Policy Publicity Symposium on Prevention and Disposal of Illegal Fund-raising" was held in China Banking and Insurance Regulatory Commission. The Office of the Inter-Ministerial Joint Conference on Disposal of Illegal Fund-raising and other member units such as the Supreme People’s Court, the Supreme People’s Procuratorate, Ministry of Public Security, Ministry of Commerce, People’s Bank of China and China Securities Regulatory Commission introduced the current situation of illegal fund-raising, the characteristics of illegal fund-raising in various fields and the next work arrangement.

　　Cases of illegal fund-raising continue to "double down"

　　But the overall situation is still grim.

　　According to statistics, illegal fund-raising cases continue to "double down", but the overall situation is still grim. According to the statistics of the Joint Conference Office, in 2017, there were 5,052 new cases of suspected illegal fund-raising in China, involving 179.55 billion yuan, down by 2.8% and 28.5% respectively year-on-year. From January to March 2018, there were 1,037 new cases of illegal fund-raising involving 26.9 billion yuan, down by 16.5% and 42.3% respectively year-on-year. However, the total number of cases is still running at a high level, the number of people involved in fund-raising continues to rise, inter-provincial cases continue to occur frequently, and serious cases involving many provinces and even the whole country still occur from time to time, and the overall situation is still grim.

　　At present, the new cases of illegal fund-raising in China are almost all over the industry, showing the characteristics of "blooming everywhere", and the cases of investment and financing intermediaries, internet financial platforms, real estate, agriculture and other key industries continue to be high. A large number of non-licensed institutions such as private investment and financing institutions and Internet platforms engage in fund-raising activities in violation of laws and regulations, accounting for more than 30% of the total. Cases are concentrated in the eastern coastal areas and populous provinces in the central and western regions, but cases in small and medium-sized cities, urban-rural areas and rural areas are gradually increasing, and the potential risks cannot be ignored.

　　Judging from the case, the trend of illegal fund-raising is becoming more and more obvious, and the combination of online and offline has spread faster and covered a wider range, which has greatly broken through the geographical boundaries. The areas involved have spread rapidly from the east to the central and western regions, and from first-and second-tier cities to third-and fourth-tier cities. In addition to the original high-incidence areas such as Jiangsu, Zhejiang, Henan and Shandong, Beijing, Hebei, Shaanxi, Chongqing, Guizhou, Xinjiang, Yunnan and Anhui have become new high-incidence areas.

　　Major cases occur frequently.

　　It is difficult to handle the case.

　　Relevant persons in the Supreme People’s Court said that from 2015 to 2017, the number of new cases of illegal fund-raising in national courts increased by 108.23%, 36.7% and 6.13% respectively. From 2015 to 2017, the criminal cases of illegal fund-raising increased by 70.1%, 76.2% and 22.2% respectively. Since 2015, the number of illegal fund-raising crimes has increased by spurt. Although the growth rate has slowed down, the number of cases has remained at a high level and the trial task is heavy.

　　At the same time, major cases are frequent and it is difficult to handle cases. At present, there is a high incidence of illegal fund-raising cases. Major cases and important cases across provinces such as "e-renting treasure" and "Pan-Asia" appear constantly, and the amount involved keeps rising, from millions and tens of millions to billions, tens of billions or even hundreds of billions; The number and scale of fund-raising participants are also increasing, from tens of thousands to hundreds of thousands, millions or even millions. Most cases are often committed after the capital chain is broken, and the money illegally raised has often been used to pay high interest, enterprise operation and operating expenses, as well as criminals’ profligacy, so it is difficult to recover losses.

　　According to incomplete statistics, among the new illegal fund-raising cases in 2016, there were 190 inter-provincial cases, 345 cases in which the fund-raising amount exceeded 100 million yuan, and 235 cases in which the number of fund-raisers exceeded 1,000. The case of "e-renting treasure" is the largest illegal fund-raising case since the founding of New China, involving more than 76.2 billion yuan, involving more than 1.15 million fund-raising participants, involving 31 provinces and cities across the country, with an unpaid gap of more than 38 billion yuan, making it very difficult to try and handle the case.

　　Illegal fund-raising has a wide range of fields

　　Renovation of means and patterns

　　From the introduction of the heads of the Supreme People’s Court, the Supreme People’s Procuratorate, Ministry of Public Security and other departments, the illegal fund-raising in the whole country is characterized by a wide range of fields and various criminal means.

　　At present, cases in traditional fields such as commodity marketing, resource development, planting and breeding, investment guarantee and so on occur from time to time, and the trend of spreading from physical products to financial fields is obvious. Under the guise of catering to national policies and under the guise of "financial innovation", "new economic format" and "capital operation", criminals have changed from planting and breeding and resource development to investment and wealth management, peer-to-peer lending, crowdfunding, futures, equity and virtual currency, which is more confusing, and new crimes such as "financial mutual assistance", consumption rebate and pension investment have emerged one after another. In particular, the crime of illegal fund-raising on the Internet has become a common mode, with more prominent cross-border characteristics and faster infection accumulation.

　　In addition, the fund-raising means have been refurbished, making it more difficult to identify them. Some lawless elements package and design so-called projects and products layer by layer, hyping up the current "hot terms" and "hot concepts" to lure the public into investing. Some cases with no goods and no entities and the title of "virtual task" have appeared one after another. Many illegal fund-raising rely on the Internet platform, and recently there have been behaviors such as illegal fund-raising by relying entirely on WeChat groups, which are highly concealed and risk-spreading, and the risks cannot be ignored. In addition, the interweaving characteristics of illegal fund-raising with pyramid schemes, fraud and other crimes are more prominent in some fields and regions, and the phenomenon of "word of mouth" and "acquaintances pulling acquaintances" in illegal fund-raising in rural areas is obvious, which brings greater difficulties to prevention and crackdown.

　　Promote the Regulations on Disposal of Illegal Fund-raising.

　　Come out as soon as possible

　　According to reports, in 2018, the inter-ministerial joint meeting on handling illegal fund-raising will, in accordance with relevant arrangements and requirements, push all relevant departments in various localities to further intensify their work and resolutely hold the bottom line that no systemic risks will occur.

　　This year, the system construction will be strengthened and the Regulations on Disposal of Illegal Fund Raising will be promulgated as soon as possible. Thoroughly study new problems, sum up laws, and actively promote and cooperate with relevant departments to establish and improve relevant legal systems.

　　At the same time, strengthen monitoring and early warning. Further integrate resources and promote the establishment and improvement of a three-dimensional, socialized and information-based monitoring and early warning system in various places. Increase the publicity and implementation of the reward system for reporting. Establish a normalized risk investigation mechanism that combines online and offline. Strengthen the prevention and control of Internet risks and curb the spread of illegal fund-raising risks through the Internet.

　　In addition, publicity will be further strengthened. In 2018, the joint meeting will continue to organize three key activities: prevention of illegal fund-raising publicity month activities, illegal fund-raising risk investigation activities and suspected illegal fund-raising advertising information investigation and cleaning activities.

　　Special reminder

　　Be wary of 10 kinds of "investment and financial management"

　　A person from the Ministry of Public Security said that in 2017, public security organs across the country filed more than 8,600 cases of illegal fund-raising, and the number of cases was running at a high level. There are many serious cases. In 2017, there were 50 cases involving more than 100 million yuan, and billions and billions of yuan were involved, resulting in huge economic losses.

　　The public security organs remind the masses to be vigilant in case of "investment" and "financial management" projects under any of the following circumstances:

　　1. Under the guise of "watching advertisements, earning extra money" and "consumer rebate";

　　2. Under the guise of investing in overseas equity, options, foreign exchange and precious metals;

　　3. Under the guise of high returns or "free" pension by investing in the pension industry;

　　4. Under the guise of private equity and partnership, but not for enterprise industrial and commercial registration registration;

　　5. Under the guise of investing in "virtual currency" and "blockchain";

　　6. Under the guise of "poverty alleviation", "charity" and "mutual assistance";

　　7. Distributing advertisements in the streets or supermarkets;

　　8. Recruit elderly people by organizing inspection, tourism and lectures;

　　9 "investment" and "wealth management" companies, websites and servers are overseas;

　　10. Require to pay investment funds in cash or to personal accounts or overseas accounts.

　　Released by all parties

　　Central Bank: The virtual currency trading places that have been touched have basically achieved risk-free exit.

　　In response to virtual currency trading places such as ICO and Bitcoin suspected of illegal fund-raising and illegal securities activities, the central bank and relevant ministries and commissions issued timely announcements to clarify attitudes and warn of risks, and deployed various localities to carry out rectification. At present, the ICO platform and virtual currency trading places such as Bitcoin, which have been exhausted nationwide, have basically achieved risk-free exit.

　　The relevant person in charge of the central bank said that the current situation of illegal fund-raising in the field of Internet finance has four characteristics: First, the trend of specialization is obvious. Some illegal organizations and individuals engage in internet finance business under the pretext of catering to national policies, and rely on specific projects and online investment targets to package professional and standardized contract texts and business processes, which is extremely confusing and increases the difficulty for investors to identify.

　　Second, new ways of illegal fund-raising emerge one after another. With the deepening of the special rectification work, the risks in the main areas of Internet finance have been effectively identified and controlled, but new businesses are constantly emerging.

　　The third is the combination of online promotion and offline promotion. Some illegal fund-raising platforms develop personnel to join through online hype and offline store promotion, and collect money quickly in a short period of time. Due to the large number and dispersion of investors, once the platform runs out of problems, it is difficult for investors to recover their funds.

　　Fourth, "bulls are outside" to avoid regulatory attacks. Some people involved in illegal fund-raising evade domestic regulatory attacks by hiding abroad, renting overseas servers to build online fund-raising platforms, and illegally transferring funds involved abroad, which makes it more difficult to detect cases. Photo courtesy/vision china

　　Ministry of Housing and Urban-Rural Development: There are Internet financial platforms that use crowdfunding to buy houses and illegally raise funds.

　　A person from the Ministry of Housing and Urban-Rural Development said that the illegal fund-raising activities in the real estate industry have the following characteristics: First, illegal fund-raising is carried out in the form of dividing sales and promising after-sales charter; Second, illegal pre-sale of commercial housing disguised financing or "one room to sell more"; The third is to raise funds from the public in the name of real estate projects and promise high interest rates. In addition, in recent years, there has been a phenomenon of illegal fund-raising by means of crowdfunding to buy a house on the Internet financial platform.

　　In order to effectively stop the behavior of "selling more than one room" to defraud the purchase price and maliciously defraud loans, the Ministry of Housing and Urban-Rural Development urged and guided all localities to speed up the online signing and filing of housing transaction contracts, ensure the authenticity of projects and transactions, effectively protect the security of housing transactions and maintain the order of the real estate market. By the end of December 2017, all 339 cities at or above the prefecture level in China had achieved online signing and filing of new commercial housing, and 260 cities had achieved online signing and filing of second-hand housing transaction contracts.

　　In addition, the Ministry of Housing and Urban-Rural Development actively cooperates with the People’s Bank of China, the China Banking Regulatory Commission, the China Securities Regulatory Commission and other departments to carry out special rectification of Internet financial risks, and it is strictly forbidden for development enterprises and intermediaries to provide or assist in providing illegal financial products such as down payment loans; Seriously investigate and deal with real estate development enterprises and intermediaries who engage in real estate financing business by using P2P peer-to-peer lending platform and equity crowdfunding platform without obtaining relevant financial qualifications.

　　Securities and Futures Commission: The illegal fund-raising business is complicated

　　Relevant persons of the China Securities Regulatory Commission pointed out yesterday that at present, the situation of illegal fund-raising is still complicated and severe, and major cases are frequent, showing a trend of spreading to new fields and new formats. The risk incidents of illegal fund-raising in the name of original stocks, private equity funds and equity crowdfunding occur from time to time, and the prevention and disposal of illegal fund-raising in the securities and futures industry is still arduous and arduous.

　　First of all, the networking trend is obvious. Criminals set up online platforms to promote and raise funds through Internet channels, which broke through geographical boundaries, accelerated the spread of risks and increased the difficulty of cracking down on disposal. Secondly, business behavior is complicated. Some illegal institutions also engage in P2P, crowdfunding, small loans, private equity funds and other businesses, with cross-border operations, nested models and intertwined businesses, and their behavior patterns are more complicated and hidden, which increases the difficulty of investigation and identification. At the same time, abuse new concepts and carry out pseudo-innovation. Some companies use investment in high-tech projects to raise funds for Shantou, and some companies use blockchain signs to develop various "virtual assets" for public offering financing.

Beef is rich in protein and creatine. Its nutritional composition is closer to human needs than pork.

It is about to enter summer, and the hot weather makes many people feel that they should eat less beef, thinking that beef is a patent in autumn and winter.

In fact, this is a misunderstanding of beef in the traditional diet concept. The weather in summer is hot and consumes a lot, especially for people who do manual labor or do more exercise and fitness. Eating beef can provide them with high-quality energy needed by muscles and cells.

Eating beef in summer gets angry?

Beef, like other animal proteins, can be eaten in all seasons. It won’t make you "get angry" by itself. The cause of getting angry lies in the cooking methods and ingredients, such as star anise, pepper and pepper.

If you want to avoid getting angry when eating beef, you can choose the method of "cold and hot collocation". When cooking beef, add some cool vegetables and stew them together. Such as carrots, potatoes, mushrooms, cabbage and so on.

In ancient times, it was said that beef is the second largest meat food in China, second only to pork, and enjoys the reputation of "the favorite among the meat".

I believe many people still like to eat beef, so how do you clean the beef you bought? Many people directly rinse the beef with clear water and then start slicing or blanching.

In fact, the more boiled the beef, the dirtier it is! There are a lot of blood clots in beef. After blanching, the blood clots are all condensed in beef and can’t get out at all. In this way, the smell of beef must be very heavy!

Teach you a trick to clean beef correctly:

Tips for cleaning beef

/cleaning/

Step 1: Put the bought beef under the tap and rinse it with running water. First, rinse off some bacteria and dirt on the beef surface. Then prepare a bowl or basin and pour a proper amount of warm water into it.

Note: Washing any meat with warm water not exceeding 50 degrees can wash away the blood of meat products.

Step 2: The next step is very important, which is to add a proper amount of salt and a spoonful of white vinegar to warm water.

White vinegar and salt have bactericidal effect, and warm water can soak blood out of beef. Rub the beef slowly with your hands.

At this time, we will find that the dirty things fled out actively ~ blood foam and blood clots all floated on the water.

Step 3: Take out the beef, then pour in the right amount of water and wash it several times. The beef washed in this way is tasteless and very clean.

It is also very important to blanch the beef after cleaning.

/drowning/

Practice: put the cleaned beef into a cold water pot. Remember, it must be a cold water pot.

Then add an appropriate amount of onion, ginger and garlic to the pot, cover the pot and simmer for about 4 minutes. At this time, we will find a layer of dirty things floating on the water.

Skim off these dirty things, then fish out the beef, put it in clean water and rinse it again.

Doing so can make beef cleaner. Moreover, we can kill two birds with one stone by adding onion, ginger and garlic to the pot, which can remove some fishy smell of beef itself.

Through these two steps, the treated beef is very clean and has no fishy smell at all. Whether we use it to braise in soy sauce or make soup, the taste will be much better than that of beef processed by ordinary methods before.

Especially when we are cooking soup, we will find that the meat quality of beef will be more tender and firm, and it will be more delicious.

There is still a problem with eating beef-the stew is not bad!

You can’t even chew ~ ~

Stewing time is too short to cook.

It’s easy to get old after a long time

It’s really delicious beef, but it’s not easy to cook!

How can beef be stewed?

First, choose the meat to make it soft and tender.

Choose fat and thin meat.

Whether it is frying or stewing, choosing the fat and thin one will be more tender than the pure thin one.

It’s better to try beef rib stew, cut into hob pieces, rich in oil, and stewed tender tendons in it, which is rich in taste. You can also choose bovine tendon, the anterior tendon is more tender and the posterior tendon is good. Cutting hob blocks or small pieces will do. Cattle tendon rots quickly, and usually it will be cooked just right after stewing for one and a half hours.

Choosing the right part is the key.

Choosing the right part is the key, and it depends on your cooking method. Fresh meat is suitable for frying and scalding hot pot, and beef brisket, beef tendon and tail are suitable for stewing.

Second, the prelude to cooking, there are doorways to deal with beef

The fibers of the meat are interrupted first.

Cut off the fiber directly with a pine needle or a pine hammer, and then fry, fry or stew it.

You can also use the back of the Chinese kitchen knife to pat the meat or the side of the knife and photograph the fascia of the meat spreading.

Vertical texture meat block

Pay attention to the meat when you cut it. Don’t cut it along the grain, but cut it perpendicular to the grain.

Cured meat has a doorway.

Marinate the beef with baking soda powder and starch for more than half an hour, and the beef will be tender.

When pickling, you must add blending oil first, and you can’t add salt. The salt will dehydrate, and it will be old no matter how it is cooked!

You can also squeeze some lemon juice when pickling. Fruit acid can destroy the tissue of meat.

Third, the small coup when stewing beef

Use tea skillfully, only add boiling water.

If it is stewed, wrap a pinch of tea with gauze, which can enhance the flavor and make the beef tender faster. Add enough water at one time. If water must be added halfway, add boiling water instead of cold water.

Honey or red wine proteolytic protein

When stewing, put some honey or red wine, both of which contain enzymes and proteases that decompose animal proteins, which can make the meat soft, but honey will be decomposed before the broth is scalded.

Sugar and vinegar destroy the cell structure.

Sugar and vinegar can destroy the cellular structure of beef and make its meat soft and rotten. You can also simply put one or two hawthorn instead, and the effect is the same. Because hawthorn contains a certain amount of lipase and maslinic acid, it can promote lipolysis and improve the activity of proteolytic enzymes, and the main components of meat are protein and fat.

Use beer instead of water.

Using beer instead of water, the approximate ratio is two Jin of beef and a bottle of beer. Even beef tendon can be stewed in two hours!

Add soybean sauce and tomatoes, soft and delicious.

When you stew beef, add some soybean sauce and stew it in a pressure cooker for 20 minutes. After coming out, the soup is particularly good and soft.

Beef stew with tomatoes is king. If you don’t want tomatoes to dominate, just add one or half. Beef rots quickly and tastes better.

These are some tips about stewing beef.

If you have other ways to stew beef,

Welcome to share with us all in the message!

Source: Quality Living Home (gzlshzs)

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Original title: "Don’t wash beef with clear water, teach you a trick, and dirty things will come out by themselves! 》

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　　The "Cultural and Natural Heritage Day" in 2024 is approaching. The theme of this year’s intangible cultural heritage publicity and exhibition activities is "protecting and inheriting intangible cultural heritage, continuing the historical context and writing the chapter of the times". Compared with last year’s "Cultural Relics Protection and Utilization and Cultural Self-confidence and Self-improvement", this theme highlights the historical dimensions of protection and inheritance, that is, past, present and future. Continuing the historical context focuses on making intangible cultural heritage better come out of history, and writing the chapter of the times is to make intangible cultural heritage better enter a new era and move towards the future.

　　It is our expectation for the intangible heritage, and it is also the starting point and the foothold to protect and inherit the intangible heritage. After all, the intangible cultural heritage is not only the trace and witness of the past life, but the "root" and "soul" left by our ancient nation to the present and the future, bearing incalculable historical and cultural values. For these intangible heritages with diverse categories, wide fields and rich contents, they are a sensible and experienced "skill" or a meaningful life that can be participated in and realized; Deep down, they are a cultural epic, engraved with the spiritual "code" of our Chinese civilization; From a distance, it is a collective memory about the production and life of ancestors and the exchanges and exchanges between ethnic groups, bearing the heavy responsibility of casting a solid sense of the Chinese nation’s community and helping the great rejuvenation of the Chinese nation.

　　Let the intangible heritage go out of history, into the present and into the future, which can neither be achieved overnight nor once and for all. We must follow the law of intangible heritage protection and inheritance, protect it with initial heart, inherit it with ingenuity, and develop and utilize it with awe.

　　To protect the intangible heritage with the initial heart, we must let the intangible heritage return to "life" and reproduce the "truth". Non-legacy is to life what live fish is to rivers. Every intangible cultural heritage is not a fragment of production and life, but a complete and organic production and life, which is the daily life of people and things in a specific "scene". To protect the intangible cultural heritage with the initial heart and practice the concept of "seeing people, seeing things and seeing life", it is necessary to let the intangible cultural heritage return to the "scene", make it participate in production and life again, and become one of the "protagonists" of the cultural habitat again. The ancient city of Zhangzhou, Fujian Province, which won the "Model Award for China’s Human Settlements", has a history of more than 1,000 years and a protected area of 53 hectares. At present, more than 20,000 residents still live in traditional houses with red "smoke-baked bricks". Tasting Fujian tea and chatting about the daily life of the ancient city has attracted more than 60 cultural formats with non-legacy and old craftsmanship to settle here. This is the dynamic preservation of inheriting history and continuing life, the vivid practice of "seeing people, seeing things and seeing life", and the concrete embodiment of guarding the intangible heritage with the initial heart.

　　Inheriting the intangible heritage with ingenuity, we must adapt the intangible heritage to the present and highlight the "true color". Every non-legacy has a touching story, and each story reflects the diligence and courage of the Chinese nation and the wisdom of transforming nature and social life. Folk literature, traditional drama and other intangible styles directly record the history, continue the context and nourish the folk culture. Inheriting the intangible heritage with ingenuity means persisting in innovation, grasping its "essence" and keeping its characteristics in the process of active innovation, pursuit of perfection and creation of fine products, and continuously enhancing the attraction of intangible heritage in iterative upgrading. In recent years, on the basis of retaining the characteristics and essence of traditional art, Henan operas have constantly innovated their programs, and launched modern Henan operas such as Jiao Yulu and Li Tiancheng, a village official, and the innovative musical Faith, which won the audience’s love and made the "old tree" of non-legacy operas sprout, add vitality and highlight its true colors. This is the result of ingenuity in intangible heritage, the result of ingenuity and intangible heritage "two-way trip", and the result of upholding awe, following the law of intangible heritage development and rational development and utilization.

　　To develop and utilize intangible cultural heritage with awe, we must follow the law and show our "skills". Every intangible heritage is a "living history" left to future generations, bearing the hard exploration achievements of the Chinese nation from generation to generation. Intangible heritage, as a cultural event that originated from ancient life and continued through history to today, has its own characteristics and laws. The process of developing and utilizing intangible heritage is not only a process of grasping the law of intangible heritage, protecting and inheriting intangible heritage according to the law, but also a process of activating the vitality of Chinese excellent traditional culture with the spirit of the times. To develop and utilize intangible cultural heritage with awe, we should focus on "deciphering" intangible cultural genes and spiritual codes, open a new channel through history and the future, connect with the powerful "context" and endless "motive force" bred by China’s millions of years of human history, 10,000 years of cultural history and 5,000 years of civilization history, explore and show intangible "skills" and help the great rejuvenation of the Chinese nation. To develop and utilize intangible cultural heritage with awe, we should not only focus on improving the cultural and ecological environment from the big picture, but also focus on "embroidery" from the small details, fully tap the historical and cultural heritage behind intangible cultural heritage, integrate historical culture with modern life, and make intangible cultural heritage truly become a daily life for the people and a "source of living water" facing the future.

　　Intangible heritage is a precious gift left by ancient people, a unique cultural memory of human beings and a dynamic "living life", which plays an extremely important role in serving the people’s livelihood and helping to build a strong cultural country. On the occasion of "Cultural and Natural Heritage Day", we should focus on the theme of "protecting the heritage, continuing the historical context, and writing the chapter of the times", reiterate the preciousness of the initial heart, the importance of ingenuity, and the key to awe, and re-understand the concept of "seeing people and things and seeing life" and the policy of "protection first, rescue first, rational utilization, inheritance and development" in order to further form. (Author: Lou Huafeng, Wang Weihua, respectively, Professor of College of Literature, Minzu University of China, Ph.D. student)

　　On the 28th, the reporter learned from the Guiding Opinions on Early Warning and Management of Liquidity Risk of Housing Provident Fund Funds in Guangdong Province issued by the Provincial Department of Housing and Urban-Rural Development that Guangdong will establish an early warning and management system for liquidity risk of housing provident fund funds.

　　According to the requirements of opinions, through the early warning indicators of individual housing loan rate and net capital flow of housing provident fund, we will comprehensively analyze the capital flow of housing provident fund in time and predict the development trend of supply and demand of housing provident fund loans, and implement early warning in the city as a unit. At the same time, the implementation of early warning classification management. According to the operation of funds and referring to the relevant provisions of the state, 85% of the individual housing loan rate of housing provident fund is set as the critical point of early warning, and it is divided into three early warning levels according to the early warning level: the first warning is that the individual housing loan rate of housing provident fund is between 85% and 90%, and the net flow of funds is negative for three consecutive months; The second warning is that the personal housing loan rate of housing provident fund is between 90% and 95%, and the net flow of funds continues to be negative; The third-level warning is that the personal housing loan rate of housing provident fund is above 95%, and the net flow of funds continues to be negative. When the two early warning indicators of individual housing loan rate and net capital flow meet the conditions at the same time, the corresponding early warning level is triggered.

　　The opinion calls for early warning and management of capital liquidity risk. The Provincial Department of Housing and Urban-Rural Development has established a monthly housing provident fund system through the relevant data of the housing provident fund statistical information system and other relevant data, carried out analysis on the operation of relevant business indicators, monitored the liquidity risk of housing provident fund funds in various cities, and issued early warning risk tips to urban housing provident fund management committees and housing provident fund management centers when necessary. Municipal housing provident fund management centers should establish and improve the liquidity risk prevention and control mechanism, strengthen the research and judgment on the liquidity risk of housing provident fund funds, formulate the implementation plan for the liquidity risk prevention and control of housing provident fund funds, and take corresponding control measures to prevent and control risks according to the early warning level. When the risk warning is triggered, it should be reported to the housing provident fund management Committee and the provincial competent department in time, and corresponding measures can be taken to prevent and control risks.

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