CCTV News:Today (November 28th), a new round of real estate control policy was introduced in Shanghai. For households who already own a house in Shanghai or have no housing in Shanghai but have housing loan records (including commercial or provident fund housing loan records), the down payment ratio is not less than 50%.

　　The Shanghai Municipal Commission of Housing and Urban-Rural Development, the Shanghai Branch of the People’s Bank of China and the Shanghai Banking Regulatory Bureau jointly issued the Notice on Promoting the Stable, Healthy and Orderly Development of the Real Estate Market in this Municipality and Further Improving the Differentiated Housing Credit Policy. The Notice stipulates that,As agreed by the self-discipline mechanism of Shanghai market interest rate pricing, the following requirements are made for differentiated housing credit policies:

　　Since November 29, 2016, if a household purchases the first set of housing (that is, if there is no housing in this city under the name of the household and there is no commercial housing loan record or provident fund housing loan record) and applies for a commercial personal housing loan, the down payment ratio shall not be less than 35%.

　　In this city has a set of housing, or in this city has no housing but housing loan records (including commercial or provident fund housing loan records) of households to apply for commercial personal housing loans, the purchase of ordinary self-housing, the down payment ratio is not less than 50%; For those who purchase non-ordinary self-occupied houses, the down payment ratio shall not be less than 70%.

　　The "Notice" requires that all housing management departments should strengthen the review of housing transactions and conscientiously do a good job in housing credit housing information inquiry. Commercial banks should continue to strengthen the audit of the source of down payment funds and the authenticity of income certificates, and carefully grasp the specific implementation level according to the borrower’s family credit status and solvency. For those who have the characteristics of investment and speculative housing purchase, the down payment ratio and interest rate should be strictly determined. People’s Bank of China Shanghai Branch and Shanghai Banking Regulatory Bureau will strengthen supervision and inspection. In addition, the Shanghai Banking Regulatory Bureau, together with the land regulatory authorities, has thoroughly verified the sources of funds for some land auctions, and is taking administrative punishment measures against banking financial institutions that have verified that funds have entered the land trading market in violation of regulations. Follow-up will also actively cooperate with relevant departments to continuously carry out the verification of the source of land transaction funds.

　　On the same day, the Shanghai Housing Provident Fund Management Committee issued the Notice on Adjusting the Personal Loan Policy of the Housing Provident Fund in this Municipality:

　　First, strictly implement the differentiated credit policy of provident fund. On the premise of distinguishing between the first and second home purchases, the down payment ratio for the second improved home purchase will be raised to 50% for ordinary commercial housing and 70% for non-ordinary commercial housing, the loan interest rate for the second ordinary commercial housing will be raised by 10%, and the maximum personal loan for the second ordinary commercial housing will be lowered by 100,000 yuan, and loans will be stopped from being issued to employees’ families with two provident fund loans.

　　The second is to reflect the fairness, sustainability and risk control of the provident fund system. The multiple of the loan amount determined by the borrower with the balance of the provident fund deposit account decreased from 40 times to 30 times; Strictly implement the calculation ratio of the repayment ability of the Ministry of Housing and Urban-Rural Development to reduce the monthly repayment amount to no more than 40% of the salary base, and the caliber of the second set of improved housing identification standards.

　　In addition, the city will increase the supply of commercial housing land to ensure that the supply of commercial housing land will increase year-on-year in 2016. Further strengthen the management of pre-sale behavior of commercial housing, strengthen the supervision of real estate enterprises and employees, continue to carry out special rectification of the real estate market order, and resolutely crack down on property hoarding, speculation of housing prices, false advertisements, deception of consumer transactions and various price violations by real estate development enterprises and brokerage enterprises; We will intensify efforts to investigate and deal with acts such as compiling rumors, spreading false information and disrupting market order, and deal with them severely according to the law and regulations. Cultivate and develop the housing rental market, encourage social professional institutions to continuously expand the scale of agency leasing business, effectively implement the registration and filing system of residential housing lease contracts, standardize housing leasing behavior, stabilize housing leasing relations, and protect the legitimate rights and interests of leasing parties.

　　The city will continue to adhere to the housing market system of "residence-oriented, citizens-oriented and ordinary commodity housing-oriented", constantly improve the "four-in-one" housing security system, continue to strictly implement the provisions of "Shanghai Nine Articles" and "Shanghai Six Articles" in accordance with the national requirements on housing purchase restriction and loan restriction, strengthen market regulation and control responsibilities, strengthen supervision and inspection, implement the assessment system, ensure the implementation of various regulatory policies, and promote the stability of the city’s real estate market.

　　Policy question and answer

　　1. How do commercial banks identify the first home loan?

　　A: If a resident’s family has no housing in Shanghai, and the credit information system of the People’s Bank of China shows that there is no record of commercial housing loans or provident fund housing loans in all parts of the country, it will be implemented according to the first home loan policy, and the down payment ratio will not be less than 35%.

　　Second, how do commercial banks identify second-home loans?

　　Answer: If a resident’s family has no housing in Shanghai, but there are commercial housing loan records or provident fund housing loan records in all parts of the country through the credit information system of the People’s Bank of China, or if it is found in the Shanghai real estate transaction system that he already owns a house (whether he has a housing loan record or not, whether his housing loan is settled or not), the second home loan policy will be implemented, that is, if he buys an ordinary self-occupied house, the down payment ratio will be no less than 50%; For those who purchase non-ordinary self-occupied houses, the down payment ratio shall not be less than 70%.

　　3. When will this policy adjustment be implemented?

　　A: In order to minimize the impact of policy adjustment on newly applied families, this policy adjustment is based on the online signing time of the house purchase contract. If the online signing time is after November 29th (inclusive), the new policy will be implemented; if the online signing time is before November 28th (inclusive), the original policy will remain unchanged.

　　Four, how to purchase housing information query for housing credit?

　　Answer: After signing the house purchase contract, the borrower and his family members should apply to the Municipal Housing Information Center to check the housing situation under the family name with the house purchase contract, the Borrower’s Family Housing Inquiry Application Form reviewed by the loan bank, the identity documents of the borrower and his family members, household registration book, marriage certificate and other materials, and the Municipal Housing Information Center will issue the inquiry results within 5 working days after accepting it, which will serve as the basis for the loan bank to examine the loan.

　　In order to facilitate the inquiry procedures, most commercial banks in Shanghai provide agency services for housing information inquiry. With the authorization of the parties, the loan bank can handle the inquiry with the relevant materials to the Municipal Housing Information Center.

　　V. The "Notice" proposes to strictly verify the information about the housing situation of the households who purchase houses. What are the specific contents?

　　A: Shanghai Housing Information Center will strictly verify the information about the borrower’s family housing situation with all lending banks. First, check the information about the housing situation declared by the borrower under the names of his family members; The second is to check the marital status and other information declared by the borrower through networking with civil affairs departments; The third is to compare the consistency of the borrower’s declaration of relevant information in property tax, housing purchase restriction and differentiated housing credit application.

　　6. What is the basis for this adjustment of provident fund loan policy?

　　A: According to the differential credit policy of Shanghai housing provident fund, in the past, it was mainly to review the housing situation under the name of the family applying for loans. Even if the paid-in employees have used provident fund loans, they can still apply again after paying off. This adjustment is to simultaneously review the housing situation under the family name and the provident fund loan record. For the families of paid employees who have purchased the first set of housing and have never used the provident fund, the differentiated credit policy of the provident fund will not be adjusted; For the paid workers’ families who have used the provident fund loan once, even if there is no house under their name, they can only enjoy the second set of improved housing loan policy; The third provident fund loan will not be issued to the paid employee families who have used the provident fund loan twice. This is conducive to the differentiation and fairness of provident fund loans, but also reflects the target of provident fund support.

　　Adjusting the loan policy of the second set of improved housing is a corresponding adjustment according to the requirements of this real estate regulation and control. In 2010, the Ministry of Housing and Urban-Rural Development and other four ministries and commissions required that the down payment ratio of the provident fund for the second set of improved housing should not be less than 50%, and the loan interest rate should not be less than 1.1 times of the loan interest rate for the first set of housing provident fund in the same period. In November 2014, in order to support housing consumption, according to the documents of the People’s Bank of China and the China Banking Regulatory Commission, Shanghai implemented the provident fund loan policy for purchasing the second set of improved ordinary housing with reference to the first set of housing policies. However, under the current background of real estate regulation and control, the down payment ratio, provident fund loan interest rate and maximum loan limit are adjusted accordingly to better reflect the differentiated management with the first set of first-time home buyers.

　　The adjustment of the monthly income base ratio of the borrower’s ability to calculate repayment is based on the spirit of "the upper limit of the ratio of monthly repayment amount to monthly income is controlled at 50%-60% on the premise of ensuring the borrower’s basic living expenses" in the Notice on Effectively Improving the Use Efficiency of Housing Provident Fund (Jian Jin [2015] No.150). At present, the repayment ability of provident fund borrowers in Shanghai is calculated as the monthly repayment principal does not exceed 50% of wage income. If interest is added, the monthly repayment amount accounts for about 70% of wage income, which exceeds the upper limit control standard of 50%-60%. This adjustment from 50% to 40% can truly reflect the borrower’s solvency, and the monthly principal and interest payments are controlled within the scope stipulated by the policy to reduce the risk of default of provident fund loans.

　　The strict identification of purchasing the second improved housing is further clarified according to the spirit of "The second housing provident fund personal housing loan is only granted to the paid workers’ families (including borrowers, spouses and minor children) whose existing per capita housing construction area is lower than the local average level, and the loan purpose is only limited to the purchase of ordinary self-occupied housing with improved living conditions" in the Notice on Relevant Issues Concerning Regulating the Housing Provident Fund Personal Housing Loan Policy (Jian Jin [2010] No.179).

　　To calculate the deposit balance multiple of provident fund loan amount, the loan risk leverage and the principles of mutual assistance, fairness, sharing and sustainability of housing provident fund are usually considered comprehensively. Other cities in the country are not higher than 25 times, generally between 10 and 20 times. Shanghai has taken into account factors such as policy continuity and gradual progress, and this time it is appropriately lowered from 40 times to 30 times (the supplementary provident fund is lowered from 20 times to 10 times).

　　7. What is the self-discipline mechanism of Shanghai market interest rate pricing?

　　A: The self-discipline mechanism of Shanghai market interest rate pricing is a self-discipline coordination mechanism of Shanghai banking financial institutions under the supervision and guidance of the Shanghai Headquarters of the People’s Bank of China, which plays an important role in Shanghai real estate financial regulation and control. First, according to the requirements of Shanghai real estate regulation and control, under the guidance of the Shanghai Headquarters of the People’s Bank of China, according to the principle of "making policies according to the city", the differentiated housing credit policy adjustment plan is determined through consultation. Second, it has played a key role in unifying the specific implementation standards of differentiated housing credit policies, standardizing the cooperation between commercial banks and real estate intermediaries, preventing off-site fund-raising and leverage in the real estate market such as "down payment", and maintaining the order of the housing financial market, effectively urging commercial banks to fully implement Shanghai’s real estate financial regulation and control policies. (CCTV reporter Sheng Yuyu)

　　Cctv news Shaanxi Blower (Group) Co., Ltd. (hereinafter referred to as "Shaanxi Drum") adheres to the concept of green and low-carbon development, gives full play to the advantages of energy genes for 54 years, and creates smart and green energy for human civilization with smart and green distributed energy system solutions.

　　Shaanxi Drum is not only an enterprise that won the "China Industrial Award" twice, but also a "national green factory" with hundreds of honors such as "Top Ten International Energy Saving Technologies and Top Ten Energy Saving Practice Awards", as well as high-end technical equipment for energy saving and environmental protection and smart green system solutions. Over the years, the total installed power of Shaanxi Drum for energy recovery and output through distributed energy system solutions is 22.9GW, which is equivalent to the annual reduction of 149 million tons of carbon dioxide, and has played its due role in the construction of regional ecological civilization and the solid implementation of the goal of "double carbon".

Shangu Park at the foot of Lishan Mountain

　　Practicing the concept of "two mountains" and harmonious coexistence of cities

　　Beihai, Guangxi is a livable city with subtropical coastal customs, and it is also the only coastal area in China’s western development. In recent years, Beihai Tieshan Port (Lingang) Industrial Zone has shown new vitality of green development. In the modern petrochemical industrial park, new energy materials projects are in full swing. Among them, nitric acid pressure leaching process will effectively solve the bottleneck problem of new materials in new energy power battery and high-end stainless steel industry, and this process is the core technology of Shaanxi Drum for non-ferrous smelting innovation. On February 28th, 2021, Shaanxi Drum signed a general contract with Beihai Shunying New Energy Materials Co., Ltd. for the green demonstration project of the new technology of nitric acid pressure leaching of brown iron laterite nickel ore.

　　"The application of this innovative technology has subverted the problems of low utilization rate of traditional process resources and environmental pollution, truly realized the green, environmental protection, low carbon and high efficiency of the new material industry, and effectively practiced ‘ Two mountains ’ Concept. " Liu Bin, an expert in Shaanxi drum marketing, said that the estimated production capacity of the project is 30,000 tons of nickel and 3,000 tons of cobalt. The project will be built in two phases, which will help the green and high-quality development of new energy power batteries and high-end stainless steel industries, and also realize the harmonious symbiosis between new energy materials enterprises and cities.

Zhejiang Lishui Economic Development Zone Synthetic Leather Industrial Base

　　Lishui is an important ecological barrier in Zhejiang and even East China, where Lishui Economic Development Zone is the second largest synthetic leather industrial base in China.

　　Synthetic leather industry belongs to high pollution and high energy consumption industry. In the production of synthetic leather, organic solvent dimethylformamide (DMF) is indispensable. The traditional DMF production and recovery process has high energy consumption, high pollution, low recovery rate and toxicity. The comprehensive treatment of DMF wastewater has become a pain point and chronic disease for the survival and development of enterprises in the region, which seriously affects the green development of synthetic leather industry.

　　"In order to protect the green mountains and green hills, Shaanxi Drum is tailored for Lishui Development Zone ‘ Synthetic leather distributed energy interconnection island scheme ’ , and invested to build ‘ The first centralized recovery and disposal project of DMF-containing wastewater from synthetic leather in the world ’ The DMF wastewater in Lishui synthetic leather park ‘ Centralized recycling, multi-energy complementation and zero discharge of three wastes ’ " . Zhang Jianfeng, deputy general manager of Shaanxi Drum Comprehensive Energy Division and general manager of Zhejiang Shaanxi Drum Energy, said.

　　Since the project was officially put into operation, it has been running stably, and the treatment capacity, emission index, product quality, safety and reliability have all met the design requirements. COD, total nitrogen and ammonia nitrogen have been reduced to less than 200mg/L, 35mg/L and 10mg/L respectively. At the same time, the recovery rate of DMF in the second phase reconstruction project increased by 2%, the purity increased by 1%, the comprehensive energy consumption decreased by 52.54%, and the average GDP of regional synthetic leather increased by nearly 10 times, which has remarkable economic, environmental and social benefits.

　　Liu Zhiwei, secretary of the Party Working Committee and director of the Management Committee of Lishui Economic and Technological Development Zone, believes that Shaanxi Drum practices the concept of green development and provides users with emotional system solutions and services, which effectively improves the wastewater treatment and recycling and environmental protection of synthetic leather industry, promotes the transformation and upgrading of synthetic leather industry, improves the ecological environment quality of Lishui City, and leads the development of synthetic leather industry in China with "low carbon, green, high yield, high efficiency and high quality".

　　Green recycling and low carbon to create green ecology in industrial parks

　　At the foot of Lishan Mountain, Shaanxi Drum Industrial Park is like a forest park with perfect combination of equipment manufacturing and natural ecology, and it is full of vitality of green circulation and low carbon.

　　Industrial waste gas, waste water and waste heat are the number one environmental killers. How can Shaanxi Drum turn the equipment manufacturing plant into a forest park? This is inseparable from the "Energy Interconnected Island" technology and smart green scheme of the comprehensive and efficient utilization of energy created by Shaanxi Drum for several years.

Shangu energy interconnection Dao global operation center

　　Outside the global operation center of the Energy Interconnected Island invested and built by Shaanxi Drum, a big chimney marked "Creating Smart Green Energy for Human Civilization" is particularly eye-catching. As a matter of fact, this is just a symbol with the imprint of the times. The "Nine-continuous Supply of Shaanxi Drum Comprehensive Energy" system of the digital energy management and control platform here has long replaced the coal-fired boiler, which uses energy in a cascade way, eats it dry and squeezes it clean, and then realizes energy saving, environmental protection and green development.

　　By introducing the concept of "sponge city", the global operation center of Shaanxi-Drum Energy Interconnected Island not only further reduces the water pollution in the region, reduces the peak flow of rainwater in the region, but also conserves water resources, promotes the water circulation in the region and realizes the rational utilization of rainwater. At present, the utilization rate of reclaimed water in Shaanxi-drum energy interconnection island is 100%; It can save 88,500 m3 of tap water every year, and the water saving rate of new water is 52.75%. At the same time, the nine rainwater filtration, purification and collection and reuse systems can be used for flushing toilets, car washing and greening in the park, and the resources are maximized here.

　　This is also an innovative weapon for Shaanxi Drum to build an intelligent manufacturing base with the lowest energy consumption and the least emissions in the global turbine industry in the practice of smart green transformation.

　　In recent years, Shaanxi Drum has actively implemented the new development concept, focused on the theme of green and low-carbon development, strategically focused on distributed energy, and built seven value-added services such as equipment, engineering, service, operation, supply chain, intelligence and finance centered on distributed energy system solutions. In particular, Shaanxi Drum aims at the demand of low-carbon environmental protection, energy saving and emission reduction, and energy efficiency improvement in the industrial field. On the basis of innovative "energy interconnection island" technology and smart and green system solutions, it uses "5+3" energy efficiency index analysis method and Shaanxi Drum "1+7" energy interconnection island system solution to help customers in the industrial field optimize and improve the comprehensive energy efficiency index of the system, thus realizing low-carbon energy saving and emission reduction.

　　Among them, Jinding Iron and Steel Water Treatment Center project of Shaanxi Drum General Contractor provides users with energy interconnection island system solutions and system services for zero-discharge recycling of wastewater in the whole plant, realizing "zero" discharge of production wastewater.

　　In China’s first automobile industry energy interconnection island project, Shaanxi Drum has planned and built an integrated energy supply system, including gas boiler station, sewage treatment station, intelligent air compressor station, ground source heat pump station, power distribution rooms at all levels, and power pipes of workshops, which has achieved good results in energy saving, emission reduction, cost reduction and efficiency improvement, and will also reduce the energy consumption of bicycles in the park by 5%.

　　In Yushen Industrial Park, the multi-energy integration and comprehensive energy utilization system solution of "photothermal+air source heat pump+energy storage+breeze power generation+intelligent management and control" tailored for users by Shaanxi Drum helps to build Yulin national energy demonstration zone, realize green energy transformation and build a green ecology of the industrial park … …

　　Damei Shaanxi Drum Co-builds a good regional ecology.

　　Strengthening the construction of ecological civilization under the new situation is an inevitable requirement to meet the people’s yearning for a better life. A good ecological environment is the fairest public product and the most inclusive people’s livelihood.

　　As an enterprise of the times, Shaanxi Drum resolutely shoulders the political responsibility of ecological civilization construction, carries out the concept of "ecological priority and green development" throughout its development, thoroughly implements the "Shaanxi Drum Convention on Harmony between Man and Environment", deeply integrates into the whole process of enterprise development planning, business decision-making and production activities, and is a practitioner of promoting green ecological development, a promoter of practicing Shaanxi Drum’s green growth and a guardian of building a harmonious ecological home.

　　"The ecological park and landscape lake invested by Shaanxi Drum have benefited the surrounding areas, giving local people and residents a good place to relax and watch, which has enhanced our happiness in living here." Villagers around Shaanxi Drum Lintong Industrial Park told reporters.

Shangu Ecological Garden Landscape Lake

　　In fact, this is another project of centralized treatment and reuse of reclaimed water treated by Shaanxi-Drum Energy Interconnection Island and sewage plant. Through the implementation of this project, it not only improves the utilization rate of wastewater, but also changes the surrounding ecological environment, makes full use of water resources, realizes zero discharge of sewage and recycling of water resources, and saves about 150,000 yuan of water resources every year. The project was also rated as "Excellent Environmental Protection Project in Shaanxi Province".

　　The lotus flowers reflect the sun and the white cranes stop. Around the Shaanxi Drum Ecological Park and Landscape Lake, Shaanxi Drum invested in planting more than 2,600 trees, 232,000 shrubs and 45,000 square meters of grass, and arranged fitness and leisure equipment and children’s play equipment to enhance the local people’s sense of ecological environment acquisition, happiness and security.

　　At the same time, in the spiritual process of ecological civilization, Shaanxi Drum has continuously increased its investment and installed smoke and dust removal equipment and noise elimination devices such as heat treatment, forging and grinding in the production and processing links, with remarkable results.

　　In the new journey of struggling to write a new chapter in the construction of ecological civilization in the new era, Shaanxi Drum will continue to deepen the green sustainable development strategy of enterprises, create a green cycle of industries and regions, save energy and protect the environment, and work together to build a beautiful and harmonious ecological home.