"The good days of banks have come to an end", which is a common saying in recent years. Indeed, after experiencing the impact of the loss of deposits, the narrowing of interest margins and the decline in profit growth, the days of traditional banks are indeed not as good as in previous years. However, the third quarterly report of listed banks recently revealed that the performance of listed banks has picked up in the first nine months of this year. Is this a temporary rebound or a trend improvement? What new changes have taken place in banks under the new environment? Can the past profit engine continue to exert its strength? Has the industry risk that has attracted much attention been alleviated? For the focus of these markets, a lot of information can be read from the three quarterly reports of 39 listed banks.

　　What does profit growth depend on?

　　The important factor driving the growth rate of bank profits is still the level of interest margin, but banks need to change the growth model that relies too much on interest income.

　　In the third quarter of this year, the growth rate of bank profits rebounded, and the growth rate of net profit of the five major banks was higher than that at the end of last year; Among the joint-stock banks, the net profit of Postal Savings Bank and China Merchants Bank maintained double-digit growth; Among city commercial banks and rural commercial banks, the net profit of Nanjing Bank, Bank of Ningbo Bank and Hangzhou Bank increased rapidly, with a year-on-year growth rate of over 10%.

　　During the year, the bank’s net interest margin rebounded moderately from the bottom, which was one of the important reasons for its steady profit growth. "First of all, since the fourth quarter of last year, there have been significant changes in policy and capital, liquidity is relatively tight, and capital prices naturally go up. Secondly, since the second quarter of this year, the cost of obtaining funds for banks has not increased much, while the demand for credit is relatively strong, and the upward speed of loan interest rates has accelerated, which has led to a slight rebound in bank spreads. Typical is the housing mortgage loan, and now some banks’ first suites in mortgage interest rates will rise by 10%. " Qiu Gaoqing, chief researcher of the Bank of Communications Financial Research Center, said.

　　According to the report of BOC International, the net interest margin of listed banks increased by 3 basis points in the third quarter of this year compared with the second quarter, and the overall improvement of interest margin of large banks increased by nearly 4 basis points, while the level differentiation of interest margin of small and medium-sized banks was still obvious.

　　The decline in non-interest income narrowed, which also reduced the drag on net profit. Qiu Gaoqing analyzed that in the first half of the year, due to the impact of macro-prudential policies and stricter industry supervision, the income growth of bank wealth management and interbank business was limited. Some small and medium-sized banks account for a relatively large proportion of non-interest income, with a high base, showing negative growth year-on-year, and a few banks even have a large decline. Since the second half of the year, banks have gradually adapted to the strict regulatory environment, increased the expansion of non-interest income in other fields, and the decline of non-interest income has narrowed.

　　Take China Merchants Bank as an example. In the third quarter of this year, China Merchants Bank stood out from the rest, with a net profit of 58.805 billion yuan, up 12.78% year-on-year, ahead of other banks. The main reason is that the decline of non-interest net income of China Merchants Bank in the third quarter further narrowed from 8.23% in the first half of the year to 2.1%, and the intermediary business stopped its downward trend and began to resume its upward trend.

　　Although the performance has improved, compared with previous years, the market environment faced by banks has changed, the pace of interest rate marketization reform has been kept, and the downward trend of interest margin level is difficult to reverse. Banks need to change their growth model that relies too much on interest income. Mckinsey’s recently released "China Bank Value Creation Ranking (2017)" analyzes the bank value creation of 40 representative banks. The report points out that the retail business of banks is on the rise, the bargaining power of retail customers is lower than that of corporate customers, and the risk of retail loan concentration is small. Compared with public business, it can better cope with the industry cycle and has stronger anti-risk ability, which is worth increasing investment by banks.

　　Why are banks also "money tight"?

　　Rectify financial chaos, prevent the financial industry from idling and self-expanding, and stop the rapid growth of banking assets and slow down the growth rate.

　　Although the performance has improved, under the background of risk prevention and deleveraging, the "good days" of making money by paving stalls and rushing to scale are no longer there, and many banks also feel that money is tight.

　　At the end of 2016, the assets of China’s banking industry ranked first in the world, and banks with huge bodies appeared in the forefront of the list, which stood out from the rest of the world. This year, the living environment of the banking industry has changed, and the regulatory authorities have made great efforts to rectify financial chaos and prevent the financial industry from idling and self-expansion, especially to strictly investigate the interbank, wealth management and off-balance-sheet business of the banking industry. The growth of banking assets has stopped the express train and the growth rate has slowed down.

　　"By vigorously rectifying the chaos in the banking industry, funds ‘ Disengage from reality to emptiness ’ The momentum has been initially contained. " Recently, Guo Shuqing, Chairman of the China Banking Regulatory Commission, said that since the beginning of this year, the interbank assets and liabilities of the banking industry have both contracted, each by about 2 trillion yuan, the growth rate of wealth management products has slowed down significantly, and the growth of entrusted loans has declined for the first time since 2008.

　　The impact of strong supervision is also clearly written in the third quarterly report of the bank. According to the report of BOC International, the growth rate of the industry scale continued to decline. In the third quarter, the overall growth rate of the banking industry continued to decline compared with the second quarter. The year-on-year growth rates of large commercial banks, joint-stock commercial banks and city commercial banks decreased by 0.3, 1.7 and 1.8 percentage points respectively compared with the end of the second quarter. Among them, CITIC Bank’s assets at the end of the third quarter decreased significantly compared with last year, and the scale of "shrinking the table" reached 394.1 billion yuan.

　　Correspondingly, the growth of bank deposits is slightly weak. "The traditional sources of deposits in banks are facing diversion, and this year, the regulatory authorities have strengthened supervision over wealth management and interbank business, which has led to a significant reduction in the sources of liabilities of some banks, and corporate deposits are not very stable. This year, the pressure on bank deposits is not small and funds are relatively tight." Dong Ximiao, a senior researcher at Chongyang Financial Research Institute of Renmin University of China, said.

　　The bank’s "lack of money" showed up in the third quarterly report. Short-term liabilities such as borrowing from the central bank and borrowing funds grew rapidly year-on-year, which is the main source of the growth of some banks’ liabilities. For example, the loans of Agricultural Bank of China, Ping An Bank and Nanjing Bank increased by 24.88%, 985.61%, 246.19% and 135.51% respectively.

　　What do you think of bank risks?

　　From "Shuang Sheng" to "single drop", the trend of asset quality is further consolidated, but we should be alert to liquidity risks.

　　Balancing income and risk is the essence of bank management. For banks, whether they can relive the "good days" in the past and effectively prevent and control risks is a key link.

　　What is the risk status of the banking industry? Recently, the data released by the China Banking Regulatory Commission shows that the asset quality of the banking industry has remained stable since the beginning of this year, with the non-performing loan ratio decreasing by 0.04 percentage points and the interest-related loan ratio decreasing by 0.47 percentage points. At the end of September, the capital adequacy ratio of commercial banks was 13.3%, the provision coverage ratio was 179.5%, and the liquidity ratio was 48.3%, all of which maintained a good level, and the banking industry’s ability to resist risks was enhanced.

　　"The positive trend of asset quality has been further consolidated. In the third quarter, the non-performing loan balance and non-performing loan ratio of large commercial banks gradually changed from Shuang Sheng to a single drop in non-performing loan ratio, from ‘ Shuang Sheng ’ To ‘ Single drop ’ It is a more gratifying change. " Dong Ximiao said.

　　"Due to the good performance of China’s macroeconomic fundamentals this year and the full exposure of non-performing assets of commercial banks in previous years, the pressure on non-performing assets in the banking industry has eased. According to the data disclosed by listed banks in the third quarter, the NPL ratio of most banks decreased steadily and the growth rate of NPL balance decreased, and the NPL balance of some banks also showed a downward trend. For listed banks with sufficient provision in the early stage, the provision provision strength has decreased with the improvement of asset quality, which has brought positive contributions to profit growth. " Qiu Gaoqing said.

　　Although the risk has been alleviated, it should not be taken lightly. Dong Ximiao said that from the operating conditions of listed banks that have published the third quarterly report, the overall operation of listed banks is stable and the risks are controllable, but it is still necessary to pay attention to the liquidity risks of banks. At present, the main sources of bank liabilities are short-term liabilities, that is, deposits within one year, bills receivable, accounts receivable, etc. This model may not be able to continuously support longer-term bank assets, that is, credit business over one year. In the next step, banks need to optimize the term structure of assets and liabilities and enhance their active debt capacity.

　　Dong Ximiao suggested that we should pay attention to credit risk in the future, further strengthen credit risk management and control, and reduce its erosion of net profit.

　　■ Link

　　All three quarterly reports were released — —

　　The performance of listed companies is improving

　　As of October 31st this year, 1,368 listed companies in Shanghai Stock Exchange disclosed the third quarterly report as scheduled, and 2,051 listed companies in Shenzhen Stock Exchange disclosed the third quarterly report. The data shows that the overall situation of high-quality development of listed companies in Shanghai and Shenzhen stock markets is taking shape, and the effectiveness of supply-side structural reform is further manifested.

　　Operating income and net profit have doubled, and the inherent quality of real economic growth has improved significantly. According to statistics, in the first three quarters, the Shanghai stock exchange companies realized a total operating income of 20.67 trillion yuan, a year-on-year increase of 17.67%; The net profit was 2.04 trillion yuan, a year-on-year increase of 16.68%, and nearly 60% of the companies achieved growth. Among them, the real economy grew steadily, and non-financial listed companies realized a total operating income of 16.08 trillion yuan and a net profit of 0.76 trillion yuan, up 21.29% and 39.52% respectively. Listed companies in Shenzhen achieved an average total operating income of 3.523 billion yuan, a year-on-year increase of 25.6%, and an average net profit attributable to shareholders of the parent company of 258 million yuan, a year-on-year increase of 25.93%; Excluding the financial industry, the average total operating income and net profit of a single company increased by 25.79% and 29.4% respectively.

　　The reform of state-owned enterprises has achieved remarkable results, and the vitality of private enterprises continues to show. In the first three quarters, the layout of the state-owned economy was optimized, and structural adjustment, strategic reorganization and mixed ownership reform continued to advance, which greatly stimulated the vitality, motivation and potential of the state-owned economy. In the first three quarters, the state-owned enterprises in Shanghai achieved operating income of 17.69 trillion yuan, a year-on-year increase of 15.41%; The net profit was 1.82 trillion yuan, a year-on-year increase of 14.78%. Private enterprises continued to maintain their vitality, achieving a total operating income of 2.97 trillion yuan, a year-on-year increase of 33.21%; The net profit was 0.22 trillion yuan, a year-on-year increase of 35.44%.

　　Small and medium-sized board companies accelerate industrial upgrading through endogenous growth and extension expansion, and strategic emerging industrial companies on the Growth Enterprise Market develop at a high speed. As the cradle of cultivating industry leaders and leading enterprises, small and medium-sized board has gathered a large number of excellent companies in sub-sectors and played a good role in demonstrating and guiding. More than 60% of the companies have achieved double growth in revenue and profit. In the first three quarters, the performance of small and medium-sized board companies rose steadily, with an average total operating income of 3.031 billion yuan, a year-on-year increase of 27.33%; The net profit was 228 million yuan, a year-on-year increase of 23.29%. Growth Enterprise Market (GEM) maintained rapid growth. In the first three quarters, listed companies on GEM achieved an average total operating income of 1.083 billion yuan, up by 32.77% year-on-year. The main driving force for its growth came from the rapid development of strategic emerging industries. From the perspective of sub-industries, the growth rate of new energy automobile industry, energy conservation and environmental protection industry, new energy industry and high-end equipment manufacturing industry is outstanding.

　　The annual performance of listed companies is expected to improve. As of October 31, a total of 919 listed companies in Shenzhen disclosed the 2017 annual performance forecast. Among the 27 companies on the main board that disclosed the 2017 annual performance forecast, 74% expect their performance to grow in the same direction or turn losses into profits; Among the 883 companies in the small and medium-sized board that disclosed the 2017 annual performance forecast, 87% expect the performance to grow in the same direction or turn losses into profits; Of the nine companies that disclosed the 2017 annual performance forecast on GEM, 89% expect their performance to grow in the same direction or turn losses into profits. Nearly 80% of the listed companies in Shenzhen that disclose the performance forecast expect the 2017 annual performance to go up, and the annual performance is expected to continue to improve.

　　(Chai Jin)

Jinan: The maximum loan amount is 1 million yuan, and various policies are not repeated.

The maximum loan amount for the first and second suites is the same as that for the first suite. For those who purchase ordinary self-occupied housing and apply for housing provident fund loans within the administrative area of Jinan City, the unified maximum loan amount is: the maximum loan amount for employees’ families who have paid housing provident fund for one person is 500,000 yuan, and the maximum loan amount for employees’ families who have paid housing provident fund for two or more people is 800,000 yuan.

Two, two children and above families (at least one child is underage) in our city to buy ordinary self-occupied housing to apply for provident fund loans, the maximum loan amount according to the family’s current maximum loan limit rose by 25%.

Three, the purchase of high-quality housing to apply for provident fund loans, the maximum loan amount according to the family’s current maximum loan limit rose by 20%. High-quality housing is subject to the identification of the housing and construction department.

Fourth, the birth support policy, the policy of "gathering youth to build a dream spring city" and the policy of high-quality housing are based on the principle of high loan amount and are not repeated.

Qingdao: The maximum loan amount of housing provident fund can reach 1.15 million yuan, and various policies can be enjoyed repeatedly.

The first is to increase the loan limit for purchasing second-home housing provident fund. Unified purchase of the first suite and the second suite provident fund maximum loan amount, the maximum loan amount for double-paid employee families is 800,000 yuan, and the maximum loan amount for single-paid employee families is 500,000 yuan.

Second, the housing provident fund loan support policy for families with many children has been extended to the second suite. If a family with many children in our city buys the first or second set of self-occupied housing, the loan amount of housing provident fund can rise by 20%.

Third, the implementation of high-quality housing, green building housing provident fund loan support policy. According to the confirmation opinions issued by the housing and construction department, the amount of housing provident fund loans can be increased by 20% when employees buy new high-quality houses in our city or new commercial houses that reach the current green building evaluation standard of one star or above.

At the same time, on the premise that the loan amount meets the down payment ratio of provident fund loans stipulated by our city, the floating policy of loan amount can be superimposed, and the maximum loan amount of housing provident fund can reach 1.15 million yuan.

Zibo: The maximum loan amount for the first suite is 800,000 yuan, with a maximum increase of 20%.

Raise the maximum loan amount of housing provident fund in our city, and purchase the first and second sets of self-occupied houses in our city to apply for housing provident fund loans, and the upper limit of loan amount remains the same. If both husband and wife have paid the housing provident fund (including joint loan) continuously and normally, the maximum loan amount for the first suite will be increased from 600,000 yuan to 800,000 yuan, and the maximum loan amount for the second suite will be increased from 500,000 yuan to 800,000 yuan; If only one party pays the housing provident fund continuously and normally, the maximum loan amount for the first suite is still 600,000 yuan, and the maximum loan amount for the second suite is raised from 400,000 yuan to 600,000 yuan. Families with many children who purchase houses or prefabricated houses to apply for housing provident fund loans will continue to implement the preferential policy of increasing the maximum amount by 20%. This notice shall be implemented as of the date of issuance.

Zaozhuang: The maximum loan amount for the first suite is 800,000 yuan, with a maximum increase of 20%. Various policies are not repeated.

First, in the city to buy self-occupied housing to apply for housing provident fund loans, the maximum loan amount for the normal deposit of housing provident fund by both husband and wife of the loan worker family is increased from 500,000 yuan to 800,000 yuan, and the maximum loan amount for the normal deposit of housing provident fund by the employee unilaterally is increased from 300,000 yuan to 500,000 yuan.

Two, in line with the national birth policy, families with many children, in our city to buy self-occupied housing to apply for housing provident fund loans, the maximum loan amount rose by 20%.

Three, in the city to buy prefabricated residential or high-quality residential, the maximum loan amount rose by 20%.

Four, families with many children, prefabricated housing, high-quality residential loan quota floating preferential policies are not superimposed.

Five, the purchase of new commercial housing or second-hand housing to extract housing provident fund for a one-time extraction within 3 years.

Six, this policy adjustment does not involve commercial loans, other housing provident fund loans, extraction conditions are still in accordance with the original provisions.

Dongying: The maximum loan amount for the first suite is 600,000 yuan.

First, adjust the loan amount. If an employee’s family purchases the first set of self-occupied housing and has no record of housing provident fund loans, the loan amount will be adjusted from a maximum of 300,000 yuan paid by one person to 400,000 yuan, and a maximum of 500,000 yuan paid by two people to 600,000 yuan.

Second, adjust the calculation coefficient of loan amount. The calculation formula of loan amount is adjusted from 1.5 times of monthly deposit amount × remaining working months to 2 times.

Third, adjust the amount and method of rental withdrawal. For the fixed extraction of rental commercial housing, the total extraction amount of employees and spouses is adjusted from 1300 yuan/month to 1500 yuan/month, which can be extracted once or multiple times a month during the year.

Yantai: The maximum amount is adjusted to 1 million yuan.

(1) The maximum amount of housing provident fund personal housing loan is adjusted from 600,000 yuan to 800,000 yuan.

(2) For the purchase of high-quality houses such as newly-built prefabricated houses and passive ultra-low energy-consumption self-occupied houses (two-star and above green building standards), the maximum amount of individual housing loans for housing provident fund shall be adjusted to 900,000 yuan.

(3) If high-level talents purchase the first family housing, the maximum amount of individual housing loan of housing provident fund will be adjusted to 1 million yuan; Apply for commercial loans to housing provident fund loans, the maximum amount is 800 thousand yuan.

(4) For families with two children and three children who meet the national birth policy, the maximum amount of individual housing loans for housing provident fund is adjusted to 1 million yuan.

Weifang: The maximum loan amount is 1.7 million yuan.

1. The upper limit of the maximum loan amount of the housing provident fund is raised to 800,000 yuan.

2. For families with many children who buy the first set of self-occupied housing in Weifang, the maximum loan amount of housing provident fund is raised to 1 million yuan.

3. High-level talents who meet the conditions for applying for personal housing provident fund loans will apply for housing provident fund loans for the first time in Weifang, and the maximum loan amount will be raised to 1.6 million yuan.

The purchase of high-quality housing, on the basis of the above increase of 100 thousand yuan.

Jining: The maximum loan amount is 1 million yuan, and various policies are not repeated.

First, increase the maximum amount of housing provident fund loans

For families with many children, if they buy the first or second set of self-occupied housing, the maximum amount of housing provident fund loans will be raised to 1 million yuan.

The maximum amount of housing provident fund loans will be raised to 900,000 yuan for employees’ families who buy high-quality houses.

At the same time, for families who meet the above two situations, the maximum amount of housing provident fund loans is the maximum, and it is not accumulated.

Second, other matters that need to be explained

(1) A family with many children refers to a family that raises two or more children (including adult children and minor children). If there is a history of divorced marriage, the number of children shall be approved by custody.

(2) High-quality housing is subject to the identification of the housing and construction department of our city.

(3) The policies not involved in this adjustment shall be implemented according to the original provisions.

Taian: The maximum loan amount of housing provident fund is 1 million yuan.

Notice on Adjusting the Housing Provident Fund Loan Policy of this Municipality, implemented since March 25, 2024. Purchase the first or second set of ordinary self-occupied housing in this city, and both husband and wife of the borrower have paid the housing provident fund continuously and normally. If the loan conditions of this city are met, the maximum loan amount of the housing provident fund is 800,000 yuan; If the borrower is single (including divorced or widowed) or only one of the husband and wife has paid the housing provident fund continuously and normally, and meets the loan conditions of this Municipality, the maximum loan amount of the housing provident fund is 500,000 yuan.

At the same time, increase the amount of housing loans for families with many children. According to the national birth policy, for families with two children and three children, both husband and wife of the borrower have paid the housing provident fund continuously and normally, and if they meet the loan conditions of this city, the maximum loan amount of the housing provident fund is 1 million yuan; If the borrower is single (including divorced or widowed) or only one of the husband and wife has paid the housing provident fund continuously and normally, and meets the loan conditions of this city, the maximum loan amount of the housing provident fund is 700,000 yuan.

Weihai: You can apply for a loan of up to 800,000 yuan, and raise it by 100,000 yuan for families with many children.

After the maximum loan amount is raised this time, if you buy the first set or two sets of self-occupied houses, the dual-employee families whose applicants and spouses meet the loan application conditions can apply for a loan of up to 800,000 yuan; The applicant can apply for a loan of up to 500,000 yuan for a single-employee family who meets the conditions for applying for a loan.

Increase the loan amount for families with many children. The maximum loan amount for families with two or more minor children to purchase self-occupied housing will be increased by 100,000 yuan.

Liaocheng: The maximum loan amount is 600,000 yuan, and the number of families with many children rises by 10%.

Adjust the housing provident fund loan policy. The maximum amount of family loans paid by dual employees was raised from 500,000 yuan to 600,000 yuan, and the maximum amount of family loans paid by single employees was raised from 300,000 yuan to 400,000 yuan. The minimum down payment ratio of the first-home housing provident fund loan was reduced from 30% to 20%, and the minimum down payment ratio of the second-home housing provident fund loan was reduced from 40% to 30%. Families with many children who have paid housing provident fund in our city apply for housing provident fund loans by purchasing the first set of self-occupied housing in our city, and the maximum loan amount will rise by 10% on the premise of meeting the requirements of down payment ratio.

Rizhao: the maximum is 1 million yuan, and the policy is not superimposed.

The first is to increase the maximum amount of housing provident fund loans. If both employees and spouses meet the loan conditions, the maximum loan amount will be raised to 800,000 yuan; If the loan conditions are met unilaterally, the maximum loan amount will be raised to 600,000 yuan. The first and second sets of housing provident fund loans have the same maximum loan amount.

The second is to increase the maximum amount of housing provident fund loans for families with many children. For families with two or more children, the maximum loan amount will be raised to 1 million yuan if both employees and spouses meet the loan conditions, and to 800,000 yuan if they meet the loan conditions unilaterally.

The third is to use housing provident fund loans to purchase prefabricated houses and high-quality houses, and the maximum loan amount will rise by 20%. High-quality housing is subject to the identification of the housing and construction department.

The fourth is to increase the calculation multiple of the loanable amount of housing provident fund loans. The loanable amount is 20 times of the normal deposit balance of the housing provident fund of both employees and spouses.

The fifth is to adjust the deposit conditions of housing provident fund loans. The deposit conditions of employee housing provident fund loans are adjusted to "continuous full deposit of housing provident fund for more than 6 months (inclusive)".

Sixth, optimize the bidding conditions for commercial housing loans to housing provident fund loans. If the employees and their spouses who have paid in this Municipality have never applied for housing provident fund loans or the first housing provident fund loans have been settled, they may apply for business transfer. It is no longer stipulated that "the borrower should be the borrower who applied for commercial housing loans after January 1, 2017, and the borrower and spouse have not applied for provident fund loans".

Items (1) to (3) are phased support policies, valid until March 31, 2025. At the same time, if a number of policies to increase the loan amount of housing provident fund are applied to families with many children, prefabricated houses, high-quality houses, youth talent policies, etc., the calculation will not be superimposed, and the highest loan amount will prevail.

Binzhou: The maximum is 800,000 yuan, and the number of families with many children rises by 20%. The policy is not superimposed.

Buy self-occupied housing in Binzhou to apply for housing provident fund loans, and both husband and wife of the loan workers will pay normally, and the maximum loan amount will be raised from 600,000 yuan to 800,000 yuan; The loan employee pays the deposit unilaterally, and the maximum loan amount is increased from 400,000 yuan to 500,000 yuan. The upper limit of the first and second sets of housing provident fund loans is consistent.

If the loan employee is a family with many children, the maximum loan amount will rise by 20%. If the loan workers purchase high-quality houses and apply for housing provident fund loans, the maximum loan amount will rise by 20%. High-quality housing is subject to the identification of the housing and construction department.

At the same time, if there are more than two loan quota support policies for families with many children, high-quality houses and high-level talents, the maximum loan quota will not be superimposed, and the highest loan quota in the applicable policies will prevail.

Dezhou: The maximum loan is 700,000 yuan, and there are many kinds of floating policies.

First, increase the maximum loan amount of housing provident fund. The maximum loanable amount for one party to pay the provident fund is 600,000 yuan, and the maximum loanable amount for both husband and wife to pay the provident fund is 700,000 yuan.

Two, the purchase of new high-quality residential housing provident fund loans within the administrative area of Dezhou, an increase of 100 thousand yuan on the basis of the original maximum loan amount.

Three, full-time college graduates and above, in the administrative area of Dezhou city to buy self-occupied housing and use housing provident fund loans, on the basis of the original maximum loan amount increased by 100 thousand yuan.

Four, families with many children to buy self-occupied housing and use housing provident fund loans, an increase of 150 thousand yuan on the basis of the original maximum loan amount.

Linyi: The maximum loan amount is 1.1 million yuan.

If employees who meet the housing provident fund loan conditions buy high-quality houses, the upper limit of the loan amount will rise by 100,000 yuan on the original basis, that is, the maximum limit of the loan amount for single employees is 600,000 yuan, and the maximum limit of the loan amount for dual employees is 900,000 yuan.

Families with many children who buy high-quality housing can also enjoy the floating policy of provident fund loan quota for families with many children. After superposition, the maximum loan amount for a single employee’s two-child family is 700,000 yuan, and the maximum loan amount for a family with three children or more is 800,000 yuan; The maximum loan amount for families with two employees and two children is 1 million yuan, and the maximum loan amount for families with three children and above is 1.1 million yuan.

Heze: The maximum loan amount is 720,000 yuan, and various policies are not repeated.

If a family with many children who meet the national birth policy buys the first set of self-occupied housing or a family with many children with minor children buys self-occupied housing, the maximum loan amount will be increased by 100,000 yuan: for families where both husband and wife normally pay the housing provident fund, the maximum loan amount will be 700,000 yuan; For families who have paid the housing provident fund unilaterally, the maximum loan amount is 500 thousand yuan.

If housing provident fund depositors use provident fund loans to purchase prefabricated houses, the maximum loan amount will rise by 20%: for families where both husband and wife normally pay housing provident fund, the maximum loan amount is 720,000 yuan; For families who have paid the housing provident fund unilaterally, the maximum loan amount is 480,000 yuan.

If a number of housing provident fund loan quota support policies are applicable to families with many children, high-level talents and the purchase of prefabricated houses, the highest loan quota shall prevail.

Original title: "The accumulation fund policies of Shandong cities are summarized! Falling interest rates "

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　　CCTV News:According to the WeChat official account news released by Suzhou People’s Society, on November 28th, the Suzhou Municipal Government issued the Notice of the Municipal Government on Printing and Distributing the Measures for the Administration of Talents Settled in Suzhou (Su Fu Gui Zi [2023] No.15). At the same time, the Suzhou Municipal Bureau of Human Resources and Social Security and the Suzhou Municipal Public Security Bureau will formulate the Detailed Rules for the Implementation of the Measures for the Administration of the Settlement of Talents in Suzhou. The New Deal was officially implemented on January 1, 2024.

　　There are 16 measures for the administration of talents’ settlement in Suzhou, which will be implemented soon. Compared with the current policy of talents’ settlement, the scope of the object of "settlement first and employment later" has been expanded, the social security payment period has been shortened, the age has been relaxed, the social security payment in the Yangtze River Delta has been recognized cumulatively, and the application and review process has been simplified.

　　The scope of "first settled and then employed" has expanded.

　　For those groups who are willing to work in the Soviet Union but have not yet worked in the Soviet Union, Suzhou launched the "first settled and then employed" in the 2020 version of the talent settlement policy. This adjustment will further relax the scope of "first settled and then employed" to undergraduate education, intermediate titles and technicians. 1. Talents with academic qualifications: Those with a bachelor’s degree can "settle down first and then find employment". 2. Professional and technical personnel: from senior professional title to intermediate professional title or above (those with professional and technical personnel’s professional qualifications can be handled according to the corresponding catalogue of professional and technical professional qualifications and professional titles in Jiangsu Province and the corresponding professional title level. (3) Skilled talents: Persons with vocational skill level of Grade II (technician) or above who meet the shortage of imported skilled talents (jobs) in Suzhou shall be included in the scope of "settle down first and then get employed".

The social security payment period is shortened and the age is relaxed.

　　1. Relaxation of social security payment period and age for talents with college education: for those under the age of 35, the social security payment time will be shortened from 6 months to 1 month; For those who have paid social security for not less than 6 months, the age condition will be relaxed to 45 years old.

　　2. The social security payment period and age of the vocational skill level III (senior worker) that meets the shortage of imported skilled talents (jobs) in Suzhou are relaxed: the age condition is relaxed from 35 to 40, and the continuous social security payment time is reduced from 6 months to 3 months.

Accumulated recognition of social security payment in Yangtze River Delta

　　To implement the major development strategy of the Yangtze River Delta integration country, the cumulative recognition of social security payment in the Yangtze River Delta region: the time limit for paying social insurance for urban workers in three provinces and one city in the Yangtze River Delta region (except Suzhou) within 12 months before applying for settlement can be calculated by cumulative consolidation when applying for talents to settle down, and the relevant payment period can be regarded as continuous payment in Suzhou, but the social insurance for urban workers should be paid in Suzhou in the month when applying for settlement.

Simplify the declaration and review process

　　By reducing the application materials and simplifying the application process, we will further promote the quality and efficiency of talent settlement services. Specifically: 1. For those employed in the Soviet Union, cancel the preconditions for file transfer; 2. For those employed in the Soviet Union, you can choose yourself or your unit to apply; 3. Cancel the publicity of the object to be settled.

Jia Xiuquan and Shoupeng Wang are in training.

At 00:00 on June 26th, Beijing time, the China women’s football team will play against the Italian team in the quarter-finals of the World Cup. Although the two teams have played against each other seven times before, this is the first time they have met in the World Cup.

In the record of the match between China and Italy, China women’s football team was slightly inferior with 2 wins, 2 draws and 3 losses. The last match between the two teams dates back to 2015, when the two sides drew 1-1.

China made it to the quarter-finals in the previous six World Cups. Jia Xiuquan, the head coach, said at the pre-match press conference that he believed the players were ready for this and wanted to win the recognition of the world football.

Hard work is the key to women’s football in China.

Jia Xiuquan: The women’s football team in China needs to make 200% efforts.

At this World Cup, the "sonorous rose" is really moving. They had 1 win, 1 draw and 1 loss in the previous three group matches, and their tenacious defense made the team lose only one goal, and finally advanced to the top 16 as the third team with better results.

For the knockout, Jia Xiuquan believes that the football match needs a balance between attack and defense. "Blindly defending and attacking may have gains and losses in a game. The highest level of football match is to strive for a balance between attack and defense. Excessive defense and attack are unfavorable to the team’s development."

Talking about the psychological adjustment before the knockout, Jia Xiuquan said that competitive sports are not stress-free, and coaches, support teams and players all have their own pressures. Besides self-regulation and experience, it is most important to improve their skills.

Women’s football girls are relaxed before the game.

"If in the World Cup, we often shuttle back and forth on the channels of the champion, runner-up and top four, the players’ psychology may be very strong, but we have not experienced so many channels, especially in the last 10 or 15 years. It is crucial that players need all aspects to be psychologically strong, and ultimately they need to improve their skills. "

Jia Xiuquan said that the women’s football team in China is not popular, but it needs 200% effort to win the popular team and win the recognition of the women’s football team in the world, and it also needs to treat every game seriously and correctly.

"Which team in Europe is good to play? It is normal for Italy to break into the top 16. Although the Italian women’s football team has not participated in the World Cup for 20 years, the Italian football has the same influence on the world, and it is normal for the women’s football team to make rapid progress. "

For this game, Lippi, the national football coach who will return to China in August, also gave a blessing. "China and Italy are both very strong teams, and only hope to play a good team to win the game."

Shoya Nakajima scored the first goal.

The Japanese Copa America missed the quarter-finals and Shoya Nakajima scored.

On June 25th, Beijing time, the final round of Group C of the 2019 America’s Cup started, and Ecuador drew 1-1 with Japan. At this point, Japan won the third place in the group and missed the top 8, while Ecuador was eliminated from the bottom.

In the 15th minute of the game, Kubo made a direct defense against Britain, and Shinji Okazaki got a single-handed opportunity. Domingos didn’t go far to clear the gap, and Shoya Nakajima got the ball and scored a long-range empty goal, with the Japanese leading 1-0.

It is worth mentioning that Japan has remained unbeaten (2 wins and 1 draw) in the past three games which were first recorded by Shoya Nakajima, and the Japanese international, worth 35 million euros, has also become the "lucky general" of the Japanese team.

In the past 12 games in which Japan scored the first goal, the team remained unbeaten (10 wins and 2 draws). In the past 40 Copa America games, which Ecuador was the first to concede, the team never won (6 draws and 34 losses).

Kubo Jianying’s lore was unfortunately offside first.

The last time the team conceded a goal in the Copa America was back in 1958 (3-1 Paraguay). To make matters worse, Ecuador conceded the goal 15 minutes before the match in three matches of this America’s Cup group match.

However, in the 35th minute, Mina made a ball in the restricted area, and Albelda volleyed a volley and was saved by eiji kawashima, and Mina succeeded in making up the shot. Ecuador immediately equalized the score 1-1. After that, Kubo Jianying broke the door in stoppage time, but it was ruled invalid.

After the game, Ecuador was ranked at the bottom of the group with one point, and Japan was ranked third with two points. Because Paraguay, the third in Group B, was better than Japan, both Japan and Ecuador failed to qualify and missed the quarterfinals of the America’s Cup.

Benitez left Newcastle.

Benitez will join Dalian?

On June 24th, Beijing time, Premier League club Newcastle officially announced that manager Benitez will leave the team after the contract expires on June 30th.

According to the Telegraph, Newcastle thought Benitez would stay. However, the Spaniard refused the second meeting between the two sides to renew the contract, and finally Ashley decided to let Benitez leave the team after the contract expired.

Benitez, 59, entered Newcastle in March 2016. He led a team to complete 146 official games, with a record of 62 wins, 30 draws and 54 losses.

Earlier, according to BBC reports, the Dalian side offered an annual salary of 12 million pounds for Benitez, and it was also reported that Benitez would go to France to coach.

Italian transfer expert Di Mazio reported that Benitez did receive an offer from Dalian, and if he coached Dalian, he would reunite with his beloved Hamsik who coached in Naples.

Little girl’s composition.

Augusto will invite "composition girl" to watch the game.

On June 24th, a Guoan fan published a composition written by her daughter on the Internet, in which the little girl described her love for Guoan’s foreign aid Augusto. However, due to the unclear examination, the composition was written by the teacher as "rewriting, writing familiar people around you".

According to Beijing Youth Daily, Augusto himself and Guoan Club have been informed of this matter. What is certain is that Augusto will invite the little girl and her family to watch the game at home after the final exam.

In the article, the little fan called Augusto "proud" and praised him for his good character. She also said that in the hearts of Beijing fans, Augusto is the captain of Guoan. Once Augusto leaves the stage, Guoan will lose his soul because Augusto has the indomitable spirit.

Although asked to rewrite it, the parents of the small fans are still very pleased. "Although the teacher’s evaluation is not high, I am very pleased as a father who loves football, Beijing’s national security spirit and the city."

Cameroonian women’s football players maliciously pushed China’s referee Qin Liang.

FIFA will investigate Cameroonian women’s football team

According to the Daily Mail, Cameroonian women’s football team will face investigations from FIFA and African Football Association, and may even be punished.

In a women’s World Cup quarter-final that ended in the early morning of June 24th, Beijing time, the English women’s football team beat the Cameroonian women’s football team 3-0. However, during the match, Cameroon once refused to kick off the game, and there were behaviors of spitting on English players and pushing referees.

A FIFA spokesman said on Monday local time: "FIFA is currently investigating this matter." Isha Johansen, president of the Women’s Football Committee of the African Football Association, also indicated that her organization will also be involved in the investigation.

"I am proud of the African team that participated in the Women’s World Cup, but yesterday’s match between England and Cameroon had a very bad influence, which not only involved African women’s football, but also affected the entire African football community."

Zhang Shuai fought a war of words with his opponent.

Zhang Shuai suffered a controversial penalty and accused his opponent of dishonesty.

In the first round of women’s singles at the WTA Eastburn Open in 2019, China Jinhua Zhang Shuai beat host Katie Swan 2-1 and won the first lawn race this season. But then, the two triggered a "war" on social media.

The cause of the incident was a controversial penalty in the game. Zhang Shuai was ruled out of bounds for hitting a ball once, but because there was no eagle eye in this game, she turned to her opponent on the spot, but she still failed to get a change of judgment.

After the game, Zhang Shuai posted on the social platform that,"Who can tell me the truth? Everyone, including my opponent, said that the ball was 100% out of bounds, and sometimes honesty really depreciated. "

Swan replied: "It’s unfair to accuse me. It’s the company’s decision. I was just playing and didn’t see it. There are many misjudgments on both sides, which has nothing to do with my integrity. "

Zhang Shuai retorted:"Girl, I asked you immediately after the line penalty, and you said the same judgment (out of bounds) 100%."

Fredette joined the Suns after leaving Shanghai.

Fredette will represent the Warriors in the summer league.

On June 25th, Beijing time, according to US media reports, the Warriors executives confirmed that jimmer fredette, the former foreign aid of Shanghai Men’s Basketball Team, would enter the Warriors’ summer league lineup.

In March of this year, Fredette returned to NBA from CBA league and joined Suns. After that, he played six games for the Suns, averaging 10.8 minutes and getting 3.7 points.

Recently, it was reported that Fredette might represent the Warriors in the summer league, and Larry Harris, assistant general manager of the Warriors, also confirmed the news in an interview.

Fredette, 30, was once the man of the NCAA. In 2011, Fredette entered the NBA with the No.10 show in the first round, but his league career was not smooth.

After that, Fredette succeeded in CBA Shanghai team. He not only won the 2017 CBA international player MVP, but also averaged the league-high 37.6 points per game.

In addition, according to Chalana, an NBA reporter, on Twitter, the Suns will refuse to implement Fredette’s team option for next season, which also allows Genvre Dette to successfully represent the Warriors in the summer league.　

Yang Yang, the first gold winner of China Winter Olympics, promoted the ice and snow project.

On June 23rd, the 33rd International Olympic Day, parents and children from 40 families put on skates and enjoyed unforgettable parent-child time on the ice at the Century Star Ice rink in Vientiane City, Shanghai.

Yang Yang, winner of the first gold medal in China Winter Olympics and chairman of the Athletes’ Committee of BOCOG, came to the scene to personally explain the Olympic knowledge and demonstrate the basic skating movements.

Yang Yang said that the 2022 Winter Olympics in Beijing is the best opportunity for China to develop ice and snow sports, and the development of ice and snow sports should also start from young people. "If the previous goal was to achieve 300 million people on ice and snow, now is the stage of practicing the goal. We must promote people to walk on the ice and snow and fall in love with ice and snow sports through various special activities."

"With the approach of the Winter Olympics, the activities of Olympic Day in the past two years have focused on ice and snow sports. Last year, Shanghai also held the first public ice and snow day, and more and more opportunities were given to the people, and more and more people would participate. "

Bin Xu, Party Secretary and Director of Shanghai Sports Bureau, said that Shanghai will strive to become a bridgehead of "ice exhibition in the north and south", so this year’s Olympic Day, including some sports activities in the next few years, will be held in ice and snow venues.