标签： 上海龙凤

Promote the stable and healthy development of the real estate market

Recently, the Political Bureau of the Communist Party of China (CPC) Central Committee held a meeting to analyze and study the current economic situation and plan economic work in the second half of the year. The meeting pointed out that it is necessary to effectively prevent and resolve risks in key areas, adapt to the new situation in which the relationship between supply and demand in China’s real estate market has undergone major changes, adjust and optimize real estate policies in a timely manner, and make good use of the policy toolbox because of the city’s policy to better meet the rigid and improved housing needs of residents and promote the stable and healthy development of the real estate market.
According to incomplete statistics, in the first half of this year, due to the city’s policy, real estate control policies were successively introduced for about 380 times. What are the characteristics of optimizing control policies in various places? What is the trend of the real estate market in the second half of the year?
Multi-point efforts in property market regulation
Since the beginning of this year, effectively preventing and resolving risks has become the main content of real estate policy regulation. On the one hand, multi-departments further increase financial support for real estate enterprises; On the other hand, the demand side focuses on reducing the cost of buying houses, and various localities have made precise policies in many aspects, such as mortgage interest rate adjustment, provident fund support policies, simplification of second-hand housing services, optimization of purchase restrictions, and housing subsidies.
According to the data of the Central Finger Research Institute, more than 40 cities across the country have adjusted the lower limit of the first home loan interest rate to below 4%. With the People’s Bank of China lowering the LPR interest rate for more than five years to 4.2% on June 20th, some cities still expect to lower the mortgage interest rate. Since the beginning of this year, more than 10 cities, such as Luoyang and Qingdao, have relaxed their credit policies by optimizing the criteria for identifying second homes and reducing the down payment ratio, with a view to promoting the healthy development of the real estate market. At the beginning of June, Qingdao reduced the down payment ratio of non-restricted areas, and residents’ home ownership sentiment picked up and market activity increased. Restrictive policies in non-core areas of hot cities may be further liberalized.
Judging from the housing provident fund policy, compared with the limitations of previous provident fund withdrawal, more than 100 places have introduced policies such as increasing the amount of provident fund loans, reducing the down payment ratio of provident fund, allowing provident fund to pay down payment, supporting "business-to-public" loans, and increasing the amount of rental housing to withdraw provident fund, so as to further support the release of rigid and improved housing demand by revitalizing the provident fund.
"From the perspective of policy effect, the further relaxation of credit policy is conducive to reducing the cost of home purchase and has played a positive role in promoting the release of demand for home purchase." Huang Yu, executive vice president of the Central Finger Research Institute, believes that for the real estate market, it is still necessary to superimpose more support policies at both ends of supply and demand in order to better play the policy effect.
Since the launch of the "third arrow" to support the financing of real estate enterprises, many listed real estate enterprises such as China Merchants Shekou, Poly Development, Fuxing, Lujiazui, China Communications Real Estate and Daming City have been approved by the Exchange, and the total amount of funds raised is about 35 billion yuan, most of which are used to supplement working capital and guarantee the delivery of buildings.
Zhang Bo, president of 58 Anjuke Research Institute, said that the current real estate development enterprises are gradually getting out of the financing dilemma. The approval of refinancing of housing enterprises will help enterprises to acquire land, start construction and build stably, and at the same time, it will also play a positive role in the orderly delivery of projects.
Overall, it showed a stabilizing trend.
In the first half of the year, all localities improved the policy accuracy due to the city’s policy, which better met the rigid and improved housing needs of residents and promoted the stable and healthy development of the real estate market.
According to the data of the National Bureau of Statistics, in the first half of this year, the sales area of commercial housing nationwide was 595 million square meters, down 5.3% year-on-year, of which the sales area of residential buildings decreased by 2.8%. The sales of commercial housing was 6.31 trillion yuan, up by 1.1%, of which residential sales increased by 3.7%.
Specifically, in the first quarter, under the influence of factors such as the release of the previous backlog demand and the effective policies, the activity of the real estate market rebounded, and the real estate market in hot cities appeared "Xiaoyangchun" market. In the second quarter, the previous backlog of housing demand was released, and the market cooled significantly.
From the perspective of demand structure, the demand for improved housing in the first half of the year was still an important support for the market, and the proportion of transactions in the middle and high total price segments in many cities increased. In Beijing, Shanghai, Chengdu, Suzhou and other cities, the number of high-end residential products has increased rapidly, and the market has maintained a certain activity. In contrast, the activity of the second-hand housing market was better than that of the new housing market in the first half of the year, and the market expectation weakened synchronously in the second quarter.
However, there is uneven heat and cold in the land auction market. Land auctions in core cities have maintained a certain degree of heat, while land auctions in some cities have been indifferent. The data shows that in the first half of this year, Shanghai, Hangzhou and Hefei all accounted for more than 50% of the land price ceiling transactions, and some plots in Beijing and Hangzhou set a record for the number of land participating enterprises in recent years; Enterprises in the core areas of Guangzhou, Qingdao, Jinan, Tianjin and Fuzhou have a high degree of participation, while the non-core areas are mostly sold at the reserve price, and the differentiation between the plates is obvious; Wuxi, Zhengzhou and Changchun generally sold at reserve prices, and the land auction mood was not high.
Fu Linghui, spokesperson of the National Bureau of Statistics and director of the National Economic Statistics Department, said that the centralized release of the backlog of housing demand in the first quarter led to an improvement in the real estate market. In the second quarter, the real estate market gradually returned to normal operation, and the real estate market generally showed a stabilizing trend in the first half of the year. In the future, investment in real estate development will still be at a low level. However, with the gradual adjustment of the real estate market, real estate development investment will gradually return to a reasonable level.
Some experts said that in the new stage of the real estate market, all parties can change their energy from "home ownership" to "home ownership is superior", promote residential development from single to diversified, promote the integration of production, housing and cities, focus on the future development of the industry, and promote the stable and healthy development of the real estate market.
Policies will be further optimized.
Recently, the Ministry of Housing and Urban-Rural Development held a corporate forum. The meeting pointed out that it is necessary to continue to consolidate the stabilization and recovery trend of the real estate market, vigorously support the demand for rigid and improved housing, and further implement policies and measures such as reducing the down payment ratio and loan interest rate for purchasing the first home, reducing taxes and fees for the purchase of improved housing, and "recognizing housing without repaying loans" for personal housing loans. Stabilizing the two pillars of construction and real estate plays an important role in promoting economic recovery.
Standard & Poor’s credit evaluation report believes that the bottleneck of the current real estate industry recovery lies in insufficient demand, and the recovery of demand depends more on the economy, per capita income level and the improvement of residents’ expectations for the future. "Only when residents’ employment and income can play a substantial supporting role in buying houses can the bail-out policy really take effect." Li Yujia, chief researcher of Guangdong Housing Policy Research Center, said. "In addition to various policies to continuously promote the property market to stabilize and improve, it is also necessary to form good market expectations and boost the release of rigid housing demand and improved demand." Zhao Xiuchi, president of capital university of economics and business Beijing-Tianjin-Hebei Real Estate Research Institute and executive vice president and secretary general of Beijing Real Estate Law Society, said.
Li Yujia said that the future policy orientation is to meet and release demand, such as meeting the needs of new citizens and young people to rent before buying; Revitalize the stock, improve the supply efficiency and match the demand, including the renovation of villages in cities, old residential areas and houses in counties and towns, so as to solve the problem of uncoordinated and insufficient development; Create a good house, a good community and a good community to meet the needs of beautiful living.
Zhao Xiuchi believes that all localities should combine the policy of having many children and the policy of introducing population to relax the purchase restriction policy appropriately. For example, further reduce the mortgage down payment ratio and mortgage interest rate, and allow the stock of fixed-rate mortgages to be converted into floating-rate mortgages based on LPR.
Zhang Bo predicted that in the second half of the year, the real estate regulation and control will be further optimized, and the probability of introducing policies related to the restriction and relaxation of purchase in hot cities may further increase. At the same time, the mortgage policy is expected to increase the inclination of improving demand.
At present, many real estate enterprises in the capital market are facing delisting. How can the financing environment of housing enterprises continue to improve in the future? Chen Xiao, a senior analyst at Zhuge Data Research Center, said that from the supply side, it is necessary to continue to increase financing support for housing enterprises and implement the "three arrows" support measures. "Financing should be more inclined to high-quality housing enterprises and private housing enterprises with stable funds."
Huang Yu suggested that we should continue to increase support for equity financing of listed real estate enterprises and speed up examination and approval; Supporting private housing enterprises to issue bonds by means of "cooperation between central and local governments" should be expanded and expanded, promoted in more cities, benefiting more private housing enterprises, and at the same time increasing support for mergers and acquisitions of listed housing enterprises.
The "Guiding Opinions on Actively and Steadily Promoting the Reconstruction of Villages in Megacities" deliberated and adopted by the executive meeting of the State Council on July 21st mentioned that in megacities, it is necessary to increase policy support for the reconstruction of villages in cities, actively innovate the transformation mode, and encourage and support the participation of private capital. Renovation of villages in cities and revitalization of idle assets will be important measures and ways to increase the construction and supply of affordable housing.
"In the next step, policy support such as developing affordable rental housing through multiple channels and taking multiple measures to stimulate social investment to jointly build affordable housing will be further enhanced." Zhang Bo said. (This article Source: Economic Daily Author: China Economic Net reporter Li Fang)
(Source: Economic Daily)
Reporting/feedback

Central Bank： No compulsory collection of consumer financial information in disguise.

　　On December 27th, the People’s Bank of China publicly solicited opinions on the Implementation Measures of the People’s Bank of China for the Protection of Financial Consumers’ Rights and Interests (Draft for Comment). The "Implementation Measures" specifically regulate the behavior norms of financial institutions, the protection of consumers’ financial information, and the settlement of financial consumption disputes.

　　What should financial institutions do?

　　Protection of consumers’ rights and interests should be included in the assessment.

　　The "Implementation Measures" require that financial institutions should formulate the overall plan and specific work measures for the protection of financial consumers’ rights and interests in their own institutions. Establish a full-time department or designate a lead department to protect the rights and interests of financial consumers, clarify the responsibilities of departments and personnel, and ensure that they have enough manpower and material resources to work independently.

　　Financial institutions shall carry out special training on the protection of financial consumers’ rights and interests at least once a year.

　　When financial institutions carry out evaluation, they should take the protection of financial consumers’ rights and interests as an important content, rationally allocate the proportion and weight of relevant indicators, comprehensively consider business compliance, customer satisfaction, timely complaint handling rate and qualified rate, and not simply take the number of complaints as the evaluation index.

　　Relevant information shall be kept for at least three years after the termination of business relationship.

　　The "Implementation Measures" stipulate that when financial institutions disclose information on financial products and services, they should use a way that is conducive to the reception and understanding of financial consumers. The rules for the collection and use of consumer financial information should be made public, and the purpose, method and scope of the collection and use of consumer financial information should be clearly stated. For important information related to the immediate interests of financial consumers, such as interest rates, fees, benefits and risks, key technical terms should be explained according to the complexity and risk level of financial products and services, and financial consumers should be confirmed to have received complete information in an appropriate way.

　　When explaining important contents and disclosing risks to financial consumers, financial institutions shall keep relevant materials in accordance with laws, regulations and regulatory provisions, and the retention time shall not be less than three years from the date of termination of business relations. Where laws and administrative regulations provide otherwise, such provisions shall prevail. The retained materials include but are not limited to: product or service agreement confirmed by financial consumers, and risk warning letter confirmed by financial consumers; Record audio and video recordings or system logs and other related data messages that explain important contents to financial consumers.

　　What can’t financial institutions do?

　　Shall not handle business on behalf of financial consumers without authorization.

　　The Implementation Measures require that financial institutions should assess the suitability of financial products and services to financial consumers according to their characteristics, reasonably classify the risk levels of financial products and services and the risk tolerance levels of financial consumers, and provide appropriate financial products and services to appropriate financial consumers.

　　Financial institutions shall ensure the property safety of financial consumers when purchasing and using financial products and services according to law, and shall not illegally misappropriate or occupy financial consumers’ funds and other financial assets.

　　At the same time, we should respect the real wishes of financial consumers to buy financial products or services, and we should not arbitrarily act as agents for financial consumers to handle business, modify financial consumers’ business instructions, or force tying other products or services.

　　There must be no format clause.

　　Unfair and unreasonable regulations for consumers

　　Many consumers usually sign the format clauses of financial institutions without reading them clearly. In order to prevent the infringement of consumers’ legitimate rights and interests, the Implementation Measures require that when financial institutions provide financial products or services to financial consumers, they should draw financial consumers’ attention to the contents of financial products or services that are of great interest to financial consumers, such as the quantity, interest rate, expenses, time limit and method of performance, precautions and risk warning, and explain them according to the requirements of financial consumers. If the standard terms are in electronic form, they should be identifiable and easy to obtain.

　　At the same time, financial institutions shall not make provisions with the following five contents in the form of standard clauses, notices, statements, notices, etc.: (1) Reducing or exempting financial institutions from the liability for compensation for financial consumers’ property losses; (2) stipulating that financial consumers shall bear liquidated damages or damages exceeding the statutory limit; (3) Exclude or restrict the right of financial consumers to inquire, delete or modify their financial information according to law; (4) excluding or restricting the right of financial consumers to choose financial products or services provided by other financial institutions; (5) Other unfair and unreasonable provisions for financial consumers.

　　The "Implementation Measures" require that financial institutions should promptly revise or clean up the format clauses and service agreement texts that infringe on the legitimate rights and interests of financial consumers.

　　Promoting non-guaranteed products should not mislead people into believing that profits are guaranteed.

　　The "Implementation Measures" require that financial institutions should be responsible for the authenticity of marketing propaganda content. The actual obligations of financial institutions shall not be lower than the standards promised to financial consumers in the form of advertisements, materials or explanations in marketing and publicity activities.

　　Financial institutions shall not engage in the following five acts when conducting marketing and publicity activities: (1) false, fraudulent, concealed or misleading propaganda; (2) Exaggerated propaganda on performance or product income; (3) misleading financial consumers into thinking that the financial management department has provided a guarantee for the financial product or service by using the procedures of auditing or filing the financial product or service by the financial management department; (4) The marketing propaganda contents of non-guaranteed investment financial products mislead financial consumers into believing that the principal can be guaranteed to be safe or profitable; (five) other acts in violation of laws, regulations and regulatory provisions related to the protection of the rights and interests of financial consumers.

　　Shall not be forced to collect consumer financial information in disguise.

　　The Implementation Measures has a special chapter to regulate the protection of consumers’ financial information, including consumers’ personal identity information, property information, account information, credit information, financial transaction information and other information related to the purchase and use of financial products or services by specific consumers.

　　According to the "Implementation Measures", financial institutions should follow the principles of legality, legitimacy and necessity in collecting and using consumer financial information, with the express consent of financial consumers. Financial institutions shall not collect consumer financial information unrelated to their business, nor shall they collect information in an improper way, nor shall they collect consumer financial information in a disguised form.

　　Financial institutions shall not take the consent of financial consumers to the use of financial information for external provision as a prerequisite for establishing business relations with financial consumers, unless the nature of the business relationship requires prior consent.

　　Where a financial institution obtains the consent of consumers for the collection and use of financial information through standard clauses, it shall specify the purpose, method, content and scope of use of the collection in the clauses, and remind financial consumers of the possible consequences of the consent in a conspicuous way as easily as possible.

　　At the same time, financial institutions shall use consumer financial information in accordance with the provisions of laws and regulations and the purposes agreed by both parties, and shall not use it beyond the scope.

　　Can’t "throw the pot" to the outsourcing service provider

　　The "Implementation Measures" stipulate that the obligation of financial institutions to protect consumers’ financial information security will not be transferred or reduced because of their cooperation with outsourcing service providers.

　　Financial institutions shall fully review and evaluate the ability of outsourcing service providers to protect consumers’ financial information, clarify the responsibilities and confidentiality obligations of outsourcing service providers to protect consumers’ financial information in relevant agreements, and take necessary measures to supervise outsourcing service providers to perform the above responsibilities and obligations. After the termination of the cooperative relationship, the financial institution shall supervise the outsourcing service provider to destroy the consumer financial information obtained from the financial institution in time.

　　Encourage financial institutions to transfer their financial information to other financial institutions designated by financial consumers on the premise of technical feasibility.

　　What if something goes wrong?

　　The "Implementation Measures" clarify that if there is a financial consumption dispute between financial consumers and financial institutions, they should first complain to the financial institutions. If a financial consumer does not accept the handling of complaints made by a financial institution, he may make a complaint through the branch of the People’s Bank of China where the financial institution has its domicile or where the business behavior takes place.

　　After receiving complaints from financial consumers, the branches of the People’s Bank of China can answer whether to accept them on the spot, and should answer them on the spot; If you can’t answer on the spot, you should make a decision on whether to accept it within 7 working days from the date of receiving the complaint; If the complainant needs to make corrections to the complaint application, he shall make a decision on whether to accept it within 7 working days from the date of completion of the correction. For complaints that are not accepted, the complainant shall be informed of the reasons for not accepting them. For the complaints received, the complaint shall be transferred to the complained financial institution for handling or to the financial consumer dispute mediation organization to provide mediation services within 5 working days from the date of receiving the decision.

　　The financial institution shall reply to the complainant within 15 working days from the date of receiving the complaint forwarded by the branch of the People’s Bank of China. If the situation is complicated, the handling period may be extended, and the complainant shall be informed of the reasons for the extension, but the longest handling period shall not exceed two months. (Reporter Cheng Wei)

Shiyan market is abundant in New Year’s Day holiday, and the purchase and sale are booming.

01:37

During the New Year holiday, the consumer market reached its peak, and Shiyan increased market supply to better meet the diversified and personalized consumer demand of the people.

Early in the morning, the citizens who came to Huaxi Rural Shopping Mall were bustling, with fresh meat, fruits and vegetables, and all kinds of new year’s goods were dazzling, and people were busy shopping during the walk.

Fan Dengke, Deputy Manager of Market Management Department of Huaxi Rural Mall, introduced.Since last weekend, the sales volume in the market has increased obviously.Average dailyvegetablesThe sales volume is 500-600 tons, the fruit is 200 tons, and the sales volume of meat is 30% higher than usual.

In Baichang High-quality Agricultural Products Logistics Park, rice flour, grain and oil are neatly placed according to different brands and specifications, with sufficient supply and rich varieties. All kinds of non-staple food such as melon seeds, peanuts and candy are placed in the most conspicuous place in the shop.

Around the important time nodes of New Year’s Day, major supermarkets launched promotional activities, prepared the supply of goods, increased supply, and ensured that the holiday consumer market had sufficient goods and complete varieties.

Reporting/feedback

International football

Xinhua News Agency, Hong Kong, October 31 (Reporter Wei Hua) On the 31st Beijing time, Argentine star Messi won the Golden Globe Award for the eighth time without any dispute. When Messi turned and left the Chatelet Theatre, a new suspense surfaced: Who will be the next "Mr. Golden Globe"?

As the most prestigious individual award in international football, the Golden Globe Award has not been awarded to players born after 1990. It is not that this generation is not talented enough, but that the "post-80 s" are too dazzling. From becoming the first "80s" Ronaldinho to win the Golden Globe Award in 2005, to Messi and Cristiano Ronaldo who divided up 13 golden globes, and then to modric and Benzema who staged veteran legends, the 80s almost monopolized the Golden Globe Award selection in the past 20 years.

On October 30th, Messi held the Golden Globe trophy at the award ceremony. Xinhua News Agency reporter Gao Jingshe

Nowadays, most of them are near the end of their careers or far away from the center stage of Europe. The story of Messi, Mero and this generation of famous players is coming to an end. Predictably, a "post-90 s" or even younger Golden Globe winner is ready to come.

Messi can win the Golden Globe again, and the 2022 FIFA World Cup Qatar 2022 championship is his biggest weight. But if Muani can score a single-handed goal at the last minute of extra time in that World Cup final, thus helping the French team to defend its title successfully, will this year’s Golden Globe Award be awarded to Mbappé? This assumption is meaningless, but Mbappé, who was born in 1998, is also the closest to the Golden Globe Award among the new generation of stars.

Needless to say, Mbappé, a young and famous player, won the World Cup as the core when he was less than 20 years old. Real Madrid’s thirst for talents for many years also showed the value of the French top star. Although it was not pleasant with Paris Saint-Germain in the past summer, Mbappé, who returned to the court, still showed his ability to lead the team with one core. As far as the current strength of the French team is concerned, there is a high probability that the French team will not do badly in the European Championship next year, which is Mbappé’s greatest advantage.

On October 21st, Mbappé (first from the right), a player of Paris Saint-Germain, broke through with the ball in the Ligue 1 match. Xinhua News Agency (photo by Jack Chen)

As one of the most expensive players at present, Mbappé never lacks topics and exposure, but compared with his worth, Ligue 1 is still a "small temple". If you want to get your hands on the golden ball in the shortest time, Mbappé needs a bigger platform.

When it comes to Mbappé, Harland is indispensable. Since entering people’s field of vision, Harland has been labeled as a "goal machine": he scored 9 goals in a single game in the U20 World Youth Championship, scored a hat trick in Dortmund’s debut, and broke the Premier League scoring record in his debut season in Manchester City … In this Golden Globe Awards ceremony, the Norwegian was also named the best striker.

But Harland’s shortcomings are also obvious, the first is his ability to decide the game in key games. Harland’s goal-scoring efficiency is beyond doubt, but with Manchester City’s participation in several finals, including the Champions League finals, Harland failed to score. This season, in the Premier League battle between Manchester City and Arsenal, Harland didn’t even finish a shot, which is obviously not the standard that a "Mr. Golden Ball" should have. In addition, Harland’s biggest constraint comes from the national team. The overall strength of the Norwegian team is really limited, and whether it can participate in next year’s European Championship is unknown. Once it is absent from this most important competition next year, Harland will at least lose more than one position in the 2024 Golden Globe competition. If the national team can’t make a substantial breakthrough, then Harland, who won the second place in the Golden Globe Award this year, can only hope that in a non-competition year, she will once again hit a bright data and break the "enough".

On October 29th, Manchester City player Harland scored a penalty in the Premier League. Xinhua News Agency/Reuters

Before this season, Mbappé and Harland were "fault leaders" among the younger generation, but now another player has appeared beside them, and that is Bellingham. After joining Real Madrid this summer, Bellingham’s talent was further released. Under the condition that Real Madrid’s center was weak, Bellingham shouldered the offensive beam of the team by himself, scored key goals in many games, scored two goals to help Real Madrid reverse Barcelona not long ago, and scored 13 goals in 13 games. Bellingham’s amazing performance had to be reminiscent of Zidane, who also wore the No.5 jersey. At the age of 20, the England youngster showed his age-incongruity.

In this award ceremony, Bellingham won the Copa Award representing the best young player, but some netizens joked that Bellingham’s competition for this award was simply a "dimensionality reduction blow". Even in the ranking of the Golden Globe Awards, Bellingham ranked 18th, which is not easy.

On September 20th, Real Madrid player Bellingham celebrated his goal in La Liga. Xinhua News Agency (photo by Zhang Yuheng)

How long can Bellingham, who was born in midfield, keep scoring? This is very important in the Golden Globe Awards which value personal data. However, playing in Real Madrid, which is good at "creating momentum" for the Golden Globe Award, means that Bellingham has the best stage. Coupled with the emergence of talents in England in recent years, the vision of "letting football go home" is getting closer and closer to reality. As long as Bellingham does not ruin his future, he has the best hope to become another "Mr. Golden Globe" in England after michael owen.

＂Running Teenagers＂ in Henan Province entered the community, and youth football was staged in Zhumadian in Jianian.

Dahe Net News (Reporter Mo Shaohua) On September 17, 2023, a series of youth football carnival activities of "Running Teenagers" in Henan Province entered the community was held in Zhumadian Sports Center. The activity set up four interesting football challenges and launched an eight-a-side football friendly match, in which more than 150 young players from nearby communities participated.

Football has a broad mass base. This carnival has added interesting interactive games such as "exciting the battlefield", "Jedi survival", "sniper" and "grabbing the tail" to give more children of all ages the opportunity to participate. Rich interactive games attract many children to participate, learn about football, fall in love with football and feel the joy of sports in the game. At the same time, this activity also organized a community youth eight-a-side football friendly match, inviting professional referees to judge, so that the young players can accumulate more competition experience and cultivate the sense of rules and fighting spirit.

The event was hosted by the Provincial Sports Bureau and the Provincial Department of Education, and hosted by Zhumadian Sports Center. It is understood that in 2023, the provincial demonstration activities of the theme series of "Running Teenagers" in Henan Province are divided into four sections: entering the community, theme activities, youth health education and online sports activities.

The activity will enter 20 mature communities with sports space in the province, link Henan brand real estate enterprises, integrate social sports forces, and provide innovative sports health experiences for families in 20 communities in the province; At the same time, combined with the sports characteristics of many places in our province, the theme children’s and teenagers’ competitions will be held, and more sports with local characteristics will be promoted by mobilizing local interest institutions, school associations and associations.

The reasonable collision zone will disappear at some point! Can you judge this ball correctly？

The ball we discussed yesterday, according to NBA rules, was an offensive foul by Gewei.

In yesterday’s vote, only 37.82% of the bar friends made the correct penalty.

Let’s talk about this penalty.

According to common sense, Trey Young was standing in a reasonable collision zone, and he didn’t take off vertically. According to the rules we learned before, this ball should be properly fouled by Trey Young.

(related information > >Yao Ming, how do you judge this vertical take-off defense?)

However, there is a supplementary provision about the rules of reasonable collision zone:If the attacking player catches the ball in the low area or gains new ball rights, then the reasonable collision zone rule will not take effect at this time.

The ball we are talking about, Gewei received the ball in the Lower Defensive Box, so the reasonable collision zone rule will not take effect at this time.

So Trey Young just stood in an ordinary position on the court. Because he occupied the position in advance, Gewei who knocked him down was blown for an offensive foul!

The dotted line is the Lower Defensive Box.

Let’s look at another shot today. In the picture below, are there any violations or fouls on the court?

The official explanation of the action discussed in this issue will be updated in the next issue of this column, so you can click on the topic below to browse.

What are the usages of ChatGPT in cross-border e-commerce？

With the continuous development of artificial intelligence technology, ChatGPT has become one of the hottest topics. More and more people believe that ChatGPT will have a revolutionary impact in various fields and promote the development of human society in a more intelligent, efficient and convenient direction. From medical health, education and training to financial services and smart cities, the application prospect of ChatGPT is gradually emerging, bringing more and more convenience and innovation to people’s lives and work. The same is true in the field of cross-border e-commerce. So, what aspects can ChatGPT be used in cross-border e-commerce?

language translation

ChatGPT can help cross-border e-commerce enterprises to translate their product descriptions, customer evaluations, service policies and other contents from one language into multiple languages, so as to better meet the needs of consumers in different countries and regions. As a natural language processing model, ChatGPT has powerful text understanding and generation capabilities. Therefore, compared with traditional translation tools, it can understand the text input by users more accurately and output more accurate translation results. In addition, ChatGPT is also a deep learning model, and its performance can be improved by adding training data and model parameters. Therefore, it can gradually optimize the translation quality to meet the increasing translation demand. Automated translation processing can reduce manual intervention and improve translation speed and efficiency.

ChatGPT can be used for intelligent customer service robots, providing consumers with natural language communication and solutions, helping enterprises to better manage customer relationships and improve customer satisfaction. On the one hand, ChatGPT can realize all-weather online customer service, and consumers can get timely response to their inquiries, complaints or after-sales service. On the other hand, ChatGPT reduces customer service demand and workload, and saves labor costs.

ChatGPT can better understand users’ needs and preferences through real-time dialogue and interaction with users, or by analyzing consumers’ shopping history, search records, browsing behavior and other data, recommend products that better meet their interests and needs for consumers, and generate fluent and natural language texts, making product recommendations more humanized and readable, and improving user experience. So as to improve the conversion rate and sales.

Marketing activities

ChatGPT can help enterprises to generate advertising copy and social media content in line with market hotspots, attract consumers’ attention and participate in marketing activities, and enhance brand effect.