1905 movie network news Directed and starred in the new film "Rowing Boy" (also known as "Riptide Boy") and released a new preview. A group of American students, for the sake of national honor and faith in their hearts, launched a counterattack that no one cares about.The whole preview is full of the flavor of the time drama, and the scenery and props of the film are very exquisite and in line with history.

The film is based on a true story. Joel, the hero, is attracted by the rowing coach of the University of Washington because of his excellent physical fitness, and he can enter the University of Washington to study. Joel and other players, under the torture of the coach, have gone through three years of perseverance from scratch. In the end, they defeated the mighty German team on behalf of the American team in Greece.specialrein inThe Olympic champion trophy was raised in front of my eyes. After the game, Joel and his teammates didn’t get rich just because they won the Olympic champion. This hard experience has brought them an all-round improvement in spirit. The team members later became lawyers, doctors, engineers, etc., and were able to be independent by their own hands. They also get together every year and feel like brothers.

Later, this story was written by Daniel James Brown as an inspirational novel "Riptide Boy", which showed the miracle created by courage, trust, optimism and determination. As for the cast, Peter Guinness, Jack Mahone, Hadley Robinson, Courtney Henggeler, etc. also starred, and Mark L. Smith ("Overlord") wrote and scored, which was released in North America on December 25th.

　　CCTV News:The Ministry of Human Resources and Social Security recently said that the adjustment of basic pensions for retirees has been promoted in an orderly manner this year. At present, all retirees from enterprises in various regions have been paid in place. Up to now, 31 provinces, autonomous regions and municipalities across the country have determined the plan for raising the basic pension, and the adjustment range varies from region to region. From the perspective of quota adjustment, Shanghai’s monthly pension is raised to 60 yuan, ranking first in the country.

　　All localities determine the pension adjustment plan, and Shanghai ranks first in 60 yuan every month.

　　In March of this year, the Ministry of Human Resources and Social Security and the Ministry of Finance jointly issued the Notice on Adjusting the Basic Pension for Retired Persons in 2018, clarifying that from January 1, 2018, retirees from enterprises, institutions and institutions who have gone through retirement procedures according to regulations and received basic pensions on a monthly basis by the end of 2017 will raise the basic pension level, and the overall adjustment level will be about 5% of the monthly basic pension for retirees in 2017. At the same time, this year is also the 14th pension adjustment in China, and it is estimated that 114 million retirees will benefit.

　　This year’s pension adjustment will continue to adhere to the principle of "merging", and enterprises, institutions and institutions will uniformly implement the adjustment method of "combining quota adjustment, linked adjustment and appropriate tilt".

　　First of all, look at the quota adjustment, which clarifies the unified adjustment standard for all kinds of retirees in this area. The monthly pension in Shanghai has increased by 60 yuan, ranking first in the country. The minimum monthly pension increase in Liaoning is 20 yuan, which is the least compared with other provinces. However, for retired employees over the age of 80 who work in Liaoning, according to the principle of proper inclination, they can receive more pensions from 100 yuan every month, which is far more than that from other provinces.

　　Hook adjustment is simply "pay more, pay more". For example, it is clear in Shanghai that the 2 yuan will be increased every year according to the payment period of my occupational insurance (including the deemed payment period), and if it is less than 30 yuan, it will be calculated in 30 yuan; Then increase by 2.1% based on my basic pension in December 2017.

　　Appropriate tilting is a special care for the elderly retirees and retirees in hard and remote areas. As stipulated in Ningxia, on the basis of quota and linkage adjustment, the basic pension 5 yuan will be increased every month for each person in the hard and remote areas, and the basic pension 10 yuan will be increased every month for each person in the hard and remote areas.

　　For another example, Zhejiang will give appropriate policy inclinations to senior retirees, that is, before the end of 2017, retirees who are over 70 years old for men and over 65 years old for women and under 80 years old will each issue additional 30 yuan monthly; Retirees who have reached the age of 80 and above will receive additional 60 yuan every month.

　　Retirement in 2018 cannot enjoy this pension adjustment.

　　Retirees can see how much more money they can get each month by comparing the pension adjustment plan in the area where they work. Take Shanghai as an example. Aunt Wang, who is 72 years old, has a monthly pension of 3,800 yuan in 2017, and has worked for 33 years before retirement. This time, her pension standards can be increased as follows: fixed increase of 60 yuan+increase of 64 yuan according to the payment period+increase of 79.8 yuan according to 2.1% linked to my pension+inclined increase of 20 yuan for senior citizens =223.8 yuan.

　　It should be emphasized that the pensions of retirees in various places are not all raised. The range of people who can participate in this pension adjustment is retirees who have gone through retirement procedures according to regulations before December 31, 2017 and received basic pensions on a monthly basis. In other words, if you retire in 2018, you can’t enjoy this pension adjustment.

　　More than 400 billion pensions began to be invested.

　　On October 31, Lu Aihong, spokesperson of the Ministry of Human Resources and Social Security, said that the investment and operation of the basic old-age insurance fund for enterprise employees should be steadily promoted and the entrusted investment of the basic old-age insurance fund for urban and rural residents should be accelerated. By the end of September, the governments of 15 provinces (autonomous regions and municipalities) such as Beijing and Shanxi had signed entrusted investment contracts with the Social Security Fund Council, with a total contract value of 715 billion yuan, of which 416.65 billion yuan had been received and investment began.

　　In 2015, the Measures for the Administration of Investment in Basic Endowment Insurance Funds was issued, which approved the endowment insurance funds to invest in the stock market for the first time. The measures stipulate that the proportion of investment in stocks, stock funds, hybrid funds and stock-based pension products shall not exceed 30% of the net asset value of pension funds.

　　Pension investment in A shares is increasing.

　　Like social security funds, pension funds are regarded as stable long-term investments, and the trend of positions is concerned by the market. With the completion of the disclosure of the third quarterly report of listed companies, the path of stock exchange is gradually clear. Judging from the data of the three quarterly reports just disclosed, the intensity of pension investment in A shares is increasing. According to the data of the third quarterly report this year, the number of pension holding accounts has increased to 15, holding 33 stocks, both in terms of the number of holding accounts and the number of holding shares, setting a record since the pension officially invested in the A-share market.

　　For long-term funds entering the market, the CSRC has previously issued a statement saying that it encourages value investment, gives play to the role of institutional investors such as insurance, social security, various securities investment funds and asset management products, and guides more incremental medium and long-term funds to enter the market.

　　The institution also pointed out that the combination of pension and capital market brings long-term stable incremental funds to the capital market, and the capital market also brings long-term preservation and appreciation of pension.

　　According to Lu Aihong, spokesperson of the Ministry of Human Resources and Social Security, in the second half of the year, the Ministry of Human Resources and Social Security will work with relevant departments to formulate specific implementation measures for the central adjustment of the basic old-age insurance fund for enterprise employees, and start the disbursement of funds as soon as possible.

　　At the same time, we will promote the investment and operation of basic old-age insurance funds by classification, accelerate the investment and operation of urban and rural residents’ old-age insurance funds and occupational annuity funds, further improve the level of social insurance management services, continue to fully implement the national enrollment plan, and focus on new employment and poor people, and implement accurate expansion.

　　After the 1-year and 5-year LPR declines last month, the LPR remained unchanged in February, which was in line with market expectations. However, many banks in Guangzhou have lowered the mortgage loan interest rate. According to an all-media reporter survey of Guangzhou Daily, on February 21st, the interest rates of the first and second home loans of Workers, Peasants and Zhongjian in Guangzhou were all lowered by 20BP compared with those before the holiday, and many banks also indicated that they would follow suit. Not only that, at present, the amount of mortgage loans in Guangzhou is sufficient, and there is basically no need to wait in line.

　　Text/Table Guangzhou Daily All-Media Reporter Lin Xiaoli Wang Chuhan

　　On February 21st, ICBC, China Construction Bank, Agricultural Bank of China and Bank of China all said that from now on, the interest rate of their first home loan in Guangzhou will be lowered to LPR+80BP(5.4%), and the interest rate of their second home loan will be lowered to LPR+100BP(5.6%). The first two sets are 20BP lower than before the Spring Festival. Assuming a loan of 2 million yuan for a 30-year mortgage, if the mortgage is reduced by 20 BP, the buyer can pay less for the mortgage in 250 yuan every month, and the accumulated interest can be saved by about 90,000 yuan in 30 years.

　　The Postal Savings Bank said that since February 22, the bank began to implement the newly adjusted mortgage interest rate in Guangzhou. After adjustment, the first home loan interest rate LPR+80BP(5.4%) and the second home loan interest rate LPR+100BP5.6%(5.6%).

　　A number of joint-stock commercial banks have also lowered the mortgage interest rate one after another. Guangzhou Branch of Guangfa Bank has set the lowest enforceable interest rates for the first suite and the second suite as LPR+80BP and LPR+100BP, respectively, which is about 10BP lower than the previous executive interest rate pricing. Huaxia Bank Guangzhou Branch said that it began to cut 20BP； in early February; CITIC Bank Guangzhou Branch said that the pricing was lowered by 20BP following the adjustment of the four major banks. The reporter found that at present, the interest rates of the first and second home loans of HSBC in Guangzhou market are relatively low, which are 4.9%(LPR+30BP) and 5.4%(LPR+80BP).

　　There is no need to queue up to apply for a mortgage with sufficient quota.

　　Not only did the mortgage interest rate drop, but many banks said that the mortgage amount was loose and there was basically no queuing for lending. Guangzhou Agricultural Bank said that the current quota is relatively sufficient, and there is basically no queuing for lending. Guangzhou ICBC also said that the bank’s mortgage quota has been relaxed, and there is no backlog of businesses that meet the loan conditions at present. At the same time, the bank gives priority to supporting the needs of "just needed" and first-time home buyers. Huaxia Bank, Minsheng Bank and other joint-stock commercial banks Guangzhou Branch said that the current quota is sufficient, and loans can be made when the loan conditions are met. Minsheng Bank Guangzhou Branch said that the current lending time is generally 30 days. Guangzhou Branch of Guangfa Bank also said that the current mortgage loan amount of the branch is sufficient, and the loan can be arranged with complete billing information, and the average loan time is less than one month.

　　Demand decreases, banks cut prices and compete for customers.

　　The reporter noted that on the afternoon of February 21, the real estate development sector moved up, with Guangzhou real estate stock Zhujiang shares trading at a straight line.

　　Zheng Dayuan, a senior mortgage expert in Guangzhou, said that since November last year, the mortgage interest rate in Guangzhou has entered a downward channel. The mortgage interest rate that had been rising all the way before has been reversed, and the situation that a loan is hard to find has gradually eased. By this year, there is basically no backlog of mortgage applications from banks, and the speed of lending has obviously accelerated. "The downward adjustment of mortgage interest rate will promote the prosperity of the real estate industry and help the real estate industry develop in a more stable direction. It is expected that there will still be room for continued downside in mortgage loans in the future. " Zheng Dayuan believes.

　　A bank-related person told reporters that for banks, the current mortgage policy and quota have not changed, but the demand side. With the decrease in market turnover, the amount of bank mortgage loans has begun to become sufficient. In this context, banks also compete for customers by lowering mortgage interest rates.

　　A number of banks said that they would adhere to the positioning of "staying in houses without speculation" and give priority to supporting "just-needed" and first-time home buyers. The China People’s Bank recently issued the "Monetary Policy Implementation Report of China in the Fourth Quarter of 2021", saying that the next step will be to firmly adhere to the positioning that houses are used for living, not for speculation, not to use real estate as a short-term means to stimulate the economy, to stabilize land prices, house prices and expectations, to implement a prudent management system for real estate finance, to increase financial support for housing leasing, to safeguard the legitimate rights and interests of housing consumers, to better meet the reasonable housing needs of buyers, and to promote the healthy development and virtuous circle of the real estate market.

　　Central bank trend

　　In February, the LPR quotation remained unchanged, which was in line with market expectations.

　　In addition, it is worth paying attention to the February LPR quotation. On February 21st, the People’s Bank of China authorized the National Interbank Funding Center to announce that the quoted interest rate (LPR) of the loan market on February 21st, 2022 was 3.7% for one-year LPR and 4.6% for five-year LPR, both of which were the same as that in January. This is the same in February after the 1-year and 5-year LPR double drops last month, which is in line with market expectations.

　　Zhou Maohua, a macro researcher in the financial market department of China Everbright Bank, pointed out that the central bank continued to make MLF at parity this month, and the market had expected the LPR interest rate to remain stable this month. Mainly due to the continuous release of the effect of the central bank’s policy of lowering the RRR and cutting interest rates, the financial data showed strong performance in January, and the supply and demand of financing in the real economy were booming, indicating that finance continued to provide strong support for the recovery of the real economy, and the urgency of guiding the further decline of credit interest rates in the short term was not high.

　　According to the public information of the People’s Bank of China, on February 15th, the People’s Bank of China continued to operate the 300 billion yuan medium-term loan facility (MLF), and the interest rate of winning the bid remained unchanged. LPR, which remained unchanged for 19 consecutive months, was continuously lowered in December last year and January this year.