On the morning of June 10, the 13th Lujiazui Forum (2021), co-sponsored by the Shanghai Municipal People’s Government, the People’s Bank of China, the China Banking and Insurance Regulatory Commission, and the China Securities Regulatory Commission, opened in Shanghai.

At this forum, Guo Shuqing, Secretary of the Party Committee of the Central Bank and Chairman of the China Banking and Insurance Regulatory Commission, once again issued a severe warning on high-risk investments such as financial derivatives. He said:

In the case of financial derivatives where risks occurred in the previous period, a large number of individual investors participated in the investment. From the perspective of mature financial markets, institutional investors are mainly involved in financial derivatives investment, which is very unsuitable for personal investment and financial management. The reason is that, affected by a variety of uncontrollable or even unpredictable factors, the price of financial derivatives fluctuates greatly, which places high requirements on the professionalism and risk tolerance of investors.

The participation of ordinary individual investors is tantamount to gambling in disguise, and the result of the loss is already doomed. Those who speculate on foreign exchange, gold and other commodity futures will hardly have the opportunity to make a fortune, just as those who bet that house prices will never fall will eventually pay a heavy price.

In this passage, Guo Shuqing mainly warned individuals who speculate on the anticipation of RMB appreciation and the rise in commodity prices. Because these are the two major problems currently facing China.

There are very few ordinary people who really speculate in foreign exchange futures and commodity futures, and these people are indeed looking for a living on the tip of a knife. Instead, Guo Shuqing mentioned by the way that “people who bet that house prices will never fall will eventually pay a heavy price”, which is worth analyzing.

Among the senior financial officials in China, Guo Shuqing is known for his “daring to speak”. He basically talks about real estate several times a year, and he usually reminds him of risks.

For example, in August 2020, Guo published an article in the “Seeking Truth” magazine, stating that “the real estate bubble is the gray rhino that threatens financial security the most.”

In December 2020, Guo published an article titled “Improving the Modern Financial Supervision System”, proposing “resolutely curb the real estate bubble” and once again said that “real estate is the biggest gray rhino in terms of financial risks in my country at this stage.” He also mentioned in the article: “Of the more than 130 financial crises in the world since the last century, more than 100 are related to real estate.”

At the press conference held on March 2 this year, Guo once again pointed out: The core problem in the real estate sector is still relatively large bubbles, and the tendency of financialization to bubble is relatively strong. It is the biggest gray rhino in the financial system. Many people buy a house not to live, but to invest in speculation, which is very dangerous.

In short, Guo can be said to be “benevolent” and “benevolent” in reminding real estate risks.

According to the first quarter monetary policy implementation report of the Central Bank: At the end of March, the balance of real estate loans by major financial institutions nationwide was 50.0 trillion yuan, a year-on-year increase of 10.9%. Among them, the balance of personal housing loans was 35.7 trillion yuan, a year-on-year increase of 14.5%. Although the growth rate of these two types of loans has declined, they are still much faster than the actual growth rate of the economy.

So here comes the question: when Guo Shuqing said that “people who bet that house prices will never fall will eventually pay a heavy price”, when will it be fulfilled? Which houses are risky and cannot be bought?

According to the seventh census, as of November 1, 2020, the urbanization rate of the permanent population in China has reached 63.89% (the urbanization rate of the registered population is 45.4%). In the past 10 years, the urbanization rate of the permanent population has increased by 14.2 percentage points.

In recent years, the urbanization rate of the permanent population has been advancing at a rate of about 1% per year. From the perspective of China’s development stage, the urbanization rate of our permanent population peaks at around 70% to 75%. Calculated at 75%, there is still room for growth in about 12 years. Then, it will enter the “post-urbanization era”.

In fact, as the urbanization rate of the permanent population exceeds 60%, urban population growth has begun to diverge, and the population will accelerate into large urban agglomerations and metropolitan areas in the future.

In the Northeast, Midwest and other regions, the fourth and fifth tier cities and market towns that are not in large urban agglomerations, metropolitan areas, and market towns will accelerate the loss of population.

edit

edit

edit

Above: According to the seventh census data of Sichuan, Gansu, and Hubei, most of the prefecture-level cities and prefectures have lost their population.

I reminded everyone a few years ago: less than 20% of the cities in China (counting counties) have investment value, and more than 80% of the cities have low value or pits.

In areas with severe population loss, future housing prices may be money for “demolition and sale of construction waste”. In some places, no one even collects construction waste for demolishing and selling construction waste.

Therefore, do not think that Chairman Guo Shuqing is alarmist, what he said is becoming a reality.

For example, the “Yumen Old City” we often refer to is a typical case of an abandoned city; as for Hegang, it is a case of an undisused but naturally shrinking city.

In April 2019, the National Development and Reform Commission put forward the concept of “shrinking cities” for the first time in the “Key Tasks of New Urbanization Construction in 2019”. The National Development and Reform Commission pointed out that shrinking small and medium-sized cities should lose weight and strengthen their bodies, change their inertial incremental planning thinking, strictly control the increase, activate the stock, and guide the population and public resources to concentrate in the urban area.

What do you mean? This actually means that the “shrinking cities” with continual population losses will merge villages, towns and counties in the future to bring the population together.

During the adjustment of administrative divisions in the past two years, the state has merged some districts and counties with small populations and sluggish growth. For example, in June 2020, the state made the following adjustments to the administrative divisions of Yantai:

Penglai City and Changdao County were abolished, and Penglai District of Yantai City was established. The former administrative area of ​​Penglai City and Changdao County was the administrative area of ​​Penglai District. .

In other words, Changdao County has disappeared.

Changdao County has a land area of ​​only 56.8 square kilometers and a permanent population of more than 40,000. In 2013, there were 1,151 primary school students in Changdao County. By 2019, the number had dropped to 856, a drop of 25.6%.

Such a population size, of course, cannot support the structure of a county. Across the country, there are about 100 counties (or county-level administrative regions) with a population of less than 40,000.

Once a member of the National Committee of the Chinese People’s Political Consultative Conference proposed to merge counties with underpopulated populations (such as less than 100,000 people). She gave an example in the proposal: a county has a permanent population of 30,200 in 2019, local fiscal revenues of 36.61 million yuan, and general public budget expenditures of 865 million yuan , There are more than 120 administrative and social organizations, and more than 6,000 financial support personnel.

The cost and efficiency of maintaining such a county are too high, and it is of little significance.

It is conceivable that if you buy a house in such a county town or in a market town below the county town, the future prospects must be very pessimistic.

In fact, even in first-tier cities, such as Shanghai’s Chongming Island and Shenzhen’s Yantian Dapeng, some remote and poorly-equipped real estates have not risen for a long time, making buyers want to cry. Not to mention the suburbs and new districts of fifth- and sixth-tier cities in the Midwest.

Remember one thing: houses that can be delivered by courier and takeaway, and houses that are not too hard to take a taxi are valuable.

If a real estate is not only difficult for you to take a taxi, but also difficult for take-out and express delivery, then this kind of house basically has no investment value, and even you do not want to live for a long time.

I used to tell readers in my articles that if you choose suburban or Xinpan real estate, there must be a subway within 800 meters, a shopping mall within 3 kilometers, and schools and kindergartens within 2 kilometers. Otherwise, try not to buy it. Of course, this is a higher requirement than being able to deliver food or express delivery.

In addition, cities that are not eligible to repair subways (light rails) generally have little investment value.

In short: Try to buy houses in high-level cities (and their metropolitan areas) that have a significant population increase in areas that the government attaches importance to, with better facilities.

Moreover, do not have the intention of short-term speculation, do not excessively increase leverage, and do not follow the evil path of holding a house or buying a house under the name. As long as you choose the right city and have a steady cash flow, your investment risk is very easy to manage and your future will be bright.

To learn more, please follow the WeChat public account: Shenzhen Wan Sui Home Network

TWICE is preparing comeback with album Summer and in the teaser photo, the girls are all dressed in lovely, feminine candy-tone dresses. Among them, Sana wears a short lace dress corset there are bands of brilliant colors like rainbows. Because Sana is sitting so netizen Haven’t seen the full dress model yet, but idol Japanese people are still praised for wearing a skirt because of their slim figure corset very beautiful. It turns out that many months ago, Nancy (Momoland) also wore the same dress. Nancy, after successfully losing weight, was confident enough to wear tight clothes, but because she was afraid to reveal herself, she wore a light pink T-shirt inside the skirt. However, without looking closely, netizens still discovered a very wrong point of Nancy when wearing corset. Corset it was a form of underwear in itself, but Nancy wore a bra underneath. As a result, Nancy’s bra and bra tops turned out to be weird. Now, when I look back at Nancy and Sana’s clash, netizen The more I realized that Nancy’s outfit was so wrong. That’s why, despite her beautiful body, Nancy still can’t shine in the dress corset this and surely “hybrid rose” will have to learn more from colleagues when dressing up corset.

Designs are used and sold on the page 1stdibs with the price of 6,349 USD, is in the old collection of Dolce & Gabbana brand produced more than 5 years ago. Kim Kardashian sisters dressed the same. Photo: Page Six. While Kylie Jenner combined with a miniskirt, Kim Kardashian chose tight-fitting leather pants and accented a sparkling stone cross pattern. “I was getting this outfit ready but my sister wanted to come out with the exact same design as me. This was really not part of our plan,” Kylie said. In the end, Kylie decided to change to another outfit to avoid contact and let Kim wear this outfit at dinner with Scooter Braun at Vinny restaurant. Netizens expressed their views on wearing the same outfits of the two sisters. Many people believe that Kanye West’s ex-wife is better dressed than her sister because she knows how to choose the underwear that comes inside. And Kylie made her bust constrained by the size of the corset tighter than her body. Kim Kardashian is highly appreciated when coordinating corset with stylish leather pants. Photo: Page Six. Kylie Jenner and Kim Kardashian love the fashion trends of the 1990s. Both are loyal fans of Versace designs on the catwalk from 20 years ago. They often buy these items at high prices and adjust to suit their physique. Kim has tried a sexy dress with a deep purple cut chest, a sequin material located in the company’s archive. Kanye West’s ex-wife used to not fit an Italian fashion house dress just because her shape and waistline were too small, making it difficult for her to move. Kim decided to choose Versace’s embrace style because of her passion for vintage clothing in the 1990s. a plump. “Clothing from decades ago was much smaller than it is today. The fit is a big deal if you don’t have the same golden proportions as supermodel Naomi Campbell, Cindy Crawford or Kate Moss Size is the hardest thing for a stored outfit to be stored, “vintage researcher Katy Rodriguez told the paper. Page Six . Kim Kardashian and Kylie Jenner have a hobby of wearing vintage clothes. Photo: Famoza. Spend $ 1.5 million for a wardrobe like Kim Kardashian Chaly DN is well-known for having the same fashion style as Kim Kardashian.

Face: It is not difficult to see those around us or to touch our face with our own hands. However, except when washing your face and applying cosmetics, it’s best not to touch your face with your hands. Your hands contain oily oils that can cause clogged pores to irritate your skin. The bacteria on your hands can also make the pimple worse. Eyes: Our eyes are especially sensitive, so touching them not only allows bacteria to get into the eyes, but also increases the risk of getting dirt and foreign objects into the eyes, causing irritation and even damage. corneal lice tear. In addition, rubbing your eyes regularly also increases the risk of wrinkles and dark circles. Ears: The area inside your ears is fragile and vulnerable, so don’t pick your fingers with your fingers. Instead, use an earwax softener to easily clean your ears, or see an otolaryngologist for advice. Nose: Your nostrils have a healthy microbiome of their own. When you put your finger in your nostrils, you bring in foreign bacteria, disrupting the microflora in the nose and possibly causing inflammation. Furthermore, after picking your nose, your fingers carry bacteria out from your nose, increasing your risk of spreading illnesses like colds or flu. Mouth: Our mouth contains 34-72 different strains of bacteria, most of which are not harmful, and even some types of bacteria are beneficial for oral health. However, when you put your hand to your mouth or into your mouth, you introduce foreign bacteria, disrupting the oral cavity’s microbial balance and put your hand at risk of infection caused by foreign bacteria. Butt: It is no coincidence that experts recommend that you wash your hands with soap after using the toilet. Your buttocks and anus are loaded with bacteria, and touching your buttocks is one of the easiest ways to spread bacteria. Umbilical: Did you know that the belly button is one of the dirtiest parts of the body? The belly button has a very high concentration of bacteria, most of which are located in a place that is inaccessible to you, so even if you wash it off, your belly button is still a dirty place. Using fingers to pick the umbilical cord can cause bacteria to spread from hand to navel and vice versa, creating the risk of infection. Nails: Under your fingernails and toenails are innumerable numbers of bacteria and dirt that are hard to remove no matter how well you wash your hands. That is why doctors and nurses must wear gloves at all times. Try to break the habit of pricking your nails or biting your nails to keep yourself and those around you healthy./.

The moment Beckam received the news of his admission was shared by Trizzie Phuong Trinh Recently, Trizzie Phuong Trinh excitedly shared that after a week of suspenseful waiting, Beckam received a letter of admission to the Musician Institute College of Contemporary Music, a bachelor of music training system in guitar performance. Bang Kieu’s ex-wife revealed that in order to be admitted to this program, Beckam had to go through difficult tests on guitar, surpassing his ability because before that this guy was a bit inclined to jazz. However, Trizzie Phuong Trinh said, she tried to stay by her side, encouraging her to not be discouraged. She did not forget to reassure her son that she should do her best, but if she does not pass, it does not matter, because it will become a reality in the future. Trizzie Phuong Trinh said, 4 years ago, she also took her son to take an exam in an art training school and could not control the joy of finding and finding her name on the admission list. At that moment, she screamed and jumped as if she were the one to park. This time, when she knew the result, she stopped screaming and dancing, but tears kept falling silently because she was so happy and proud. With the initial achievements that her son achieved, Trizzie Phuong Trinh did not forget to remind her that being admitted to school does not mean success because Beckam will still have to work hard. However, she hopes with her child’s passion and knowledge that Beckam will learn at the upcoming music school will help him come closer to his dream. The singer expressed emotion, Beckam is a good son and always makes her feel proud, so she coin that the boy will do what she wants. The three children of Bang Kieu and Trizzie Phuong Trinh For his part, Bang Kieu is living in Vietnam at this time doing some work and his own music projects, so the male singer said he was not at home to welcome the good news with his son. However, former member of the band Fruit Watermelon shared, he is very happy and proud of his oldest son because Beckam is very stable to become a true artist in the future. The male singer did not forget to thank his ex-wife and humorously called her “friend”. Before that, when revealing the eldest son, Bang Kieu humorously showed off, Beckam was better than himself because the height alone, the boy was 1m70 tall, far beyond his father’s modest height. Unlike his youthful and humorous dad, Beckam has a calm, mature appearance and is also less talkative. Bang Kieu shared that Beckam’s gentleness, somewhat shyness and self-esteem made him and his wife sometimes worried that the boy would be bullied when he was out in life. That is why both he and Trizzie Phuong Trinh encouraged Beckam to boldly perform on professional stages with his parents. Many people commented on his very talented individual account, Beckam actually inherited from Bang Kieu because his father is also a multi-talented artist, not only singing well but also playing the guitar, composing songs extremely fast and acting is very professional in both acting and acting. However, because he is quieter than his father, for Beckam, the guitar is like his greatest friend, helping him release all stress and bring a new source of positive energy to himself. According to Bang Kieu, in addition to music, Beckam is also as hardworking in sports as his father, especially martial arts. Currently, Bang Kieu’s oldest son also has his own Youtube channel to post new and interesting videos showing his passion and artistic talent. Particularly two of Beckam’s younger brothers, Conlin and Kenzi, have not shown any interest in music at this point. However, Conlin and Kenzi often followed their mother to cheer for his brother when Beckam performed.

Many people gathered outside Buckingham Palace on April 9 (local time) after the news of Prince Philip’s death was announced by the British Royal. Photo: Reuters Many Londoners come in front of the gates of Buckingham Palace, the ancient walls of Windsor Castle to place flowers and a memorial card in memory of Prince Philip. The British government and royal family are calling on people not to gather in front of the mansion to commemorate Prince Philip in order to comply with Covid-19 room regulations. Residents set the flag of England along with commemorative bouquets of flowers outside Buckingham Palace. Reuters photo Information Prince Philip – Duke of Edinburgh passed away was announced by the British royal family on April 9. He is 99 years old. Photo: Reuters Coach and players at Liverpool Aintree Racecourse spent a minute to commemorate Prince Philip’s departure on April 9. Photo: Reuters 2 of the many women standing outside Buckingham Palace hugged each other to comfort and share the sadness following the death of the Queen’s husband. Photo: Reuters A man wiped his tears outside Buckingham Palace after the royal family announced the Prince’s death. Photo: Reuters According to an announcement from Buckingham Palace, the 94-year-old Queen is expected to spend eight days mourning Prince Philip, starting April 9. The flag on Victoria Tower at the British Parliament Building, London, was lowered by half a column when the news of Prince Philip’s death was announced. Photo: Reuters Many people brought flowers, photos … to commemorate at Buckingham Palace (UK) after hearing the news of Prince Philip’s death. Photo: Reuters Many people mourn the death of Prince Philip – who quietly supported the Queen of England during the past 7 decades. Photo: Reuters Sharing about her husband, Queen Elizabeth once said that Prince Philip was a source of her strength throughout the years. In the photo: People place flowers to commemorate Prince Philip at Windsor.

Drunk Finally make some irritating behavior May cause irreversible consequences Newlyweds molested by coworkers after drinking Husband verbally stopped but was abused and gangly beaten Chen and his newlywed wife Sun work as workers at a construction site in Sanya, Hainan. One day, the two were working overtime on the construction site. Suddenly, woodworkers Zhou, Rong, Rong Lie, and Ji at the same construction site got into trouble after drinking, molested Sun and beat Chen insults. Under strong resistance Caused one death and three injuries During the rebellion, Chen used the folding knife he carried with him and waved it at Zhou, Rong, Ji and others. In the chaos, Chen stabbed Rong’s left groin, causing the latter’s left femoral artery and vein to rupture, causing hemorrhagic shock and death, and also causing minor injuries to Zhou and minor injuries to Ji and Liu. After the incident, Chen was detained under criminal law. After investigating the case and collecting evidence, the public security organ arrested Chen. Subsequently, the procuratorial organ prosecuted Chen for the crime of intentional injury.

After the court heard

Chen was defended in a state of being besieged, and Chen was alone in the defense. He faced three workers holding equipment. The equipment held by several workers was enough to seriously threaten Chen’s life. , The public prosecutor’s accusation that the defendant Chen was guilty of intentional injury was not found The defendant Chen was pronounced not guilty and he was not liable for civil compensation.

After the judgment of the first instance

Two-level prosecutors’ office disagrees

Then filed a protest

The reasons are as follows

From the perspective of the relationship and cause of the two parties, Ji and Chen are both workers on the same construction site, and there is no deep hatred at ordinary times. It was only because of molesting the newlyweds on the day of the crime that the two sides were fighting.

Judging from the position and intensity of the blow chosen by Ji and others, and Zhou threw away the shovel out of fear of accident, and sparred with bare hands. Ji and others did not intentionally cause Chen to be seriously injured or killed subjectively.

Second instance verdict

In this case, the victim Rong and others made trouble after drinking, molested the wife of the defendant Chen in the original trial, insulted Chen, refused to listen to dissuasion, and beat Chen with a weapon that could seriously endanger the personal safety of others.

As a man, a husband, when his wife was molested, he was insulted and beaten by himself, he stabbed and marked Rong and others who were beating him with a knife. Meet the conditions of special defense.

Although Rong was killed, Zhou was slightly injured, and Ji was slightly injured, he was not criminally liable in accordance with the law. The protest opinion of the protest organ was not established, the protest was rejected and the original judgment was upheld.

According to Article 20 of my country’s Criminal Law: “In order to protect the country, public interest, personal, property, and other rights of others from ongoing illegal infringements, actions taken to stop illegal infringements will cause harm to the illegal infringers. It is a legitimate defense and does not bear criminal responsibility.”

Then

What conditions should legitimate defense meet?

1. Unlawful infringement exists objectively, that is, the cause of legitimate defense must be the objective existence of unlawful infringement from others, but it is not a necessary condition that the illegal infringement constitutes a crime.

2. The illegal infringement is ongoing, that is, the legitimate defense must target the illegal infringement that has begun but not yet ended. If “defense” against an “infringement” that has not occurred or an infringement that has ended, it is not a legitimate defense.

3. Have defensive awareness, that is, the perpetrator’s defensive behavior must be based on the motivation to protect legitimate rights and interests.

4. Against the unlawful infringement, that is, the object of legitimate defense must be the unlawful infringement, not the third party.

5. It does not significantly exceed the necessary limit, but there is no necessary limit to take defensive behaviors against ongoing assaults, homicides, robberies, rapes, kidnappings, and other violent crimes that seriously endanger personal safety.

   ▲Source: Law Popularization in China

Besides, when attending events, the luxury of a little sexy is still the top criterion. Recently, the female singer just appeared at a music event with a simple but attractive set.

With an elegant white dress, Le Quyen uses an expensive Hermes bag to create a highlight.

However, the item “lowers” the singer’s luxurious appearance is located in penetrating black mesh socks, an item that no one expected but is used to create a sexy, balanced design of the front.

Before that, she also used to wear this Gucci fashion sock, still following the old formula of wearing a short skirt but with a luxurious black tree.

This mesh sock item is very popular with Le Quyen.

Surprisingly, this item was used by Ha Ho before. However, instead of choosing for herself an elegant style, the female singer favored the sexiness and freedom many times more.

Ha Ho’s haughty demeanor and slim figure are even more exalted with a negligent two-wire dress, mixed with a velvet cape outside.

Having just born Leon and Lisa for 2 months, Ha Ho confidently “got along” with a hug design. The mix with socks and high heels increases the fashion and seduction to the highest level.

Truc Anh also brought a lolita style to her when she mixed a short skirt with black stockings.