CCTV News:China’s economic "report card" released by the National Bureau of Statistics on October 15th shows that, despite the impact of epidemic and other shocks, the employment situation is generally stable, structural adjustment has been solidly promoted, people’s livelihood has been continuously improved, and the economic operation is generally stable and continues to recover, showing resilience and vitality.

In October, the year-on-year growth rate of China’s main economic indicators rose and fell, but from the two-year average growth rate, most indicators were accelerated.

In the first 10 months, the added value of industrial enterprises above designated size increased by 10.9% year-on-year, the total retail sales of social consumer goods increased by 14.9%, and the total import and export of goods increased by 22.2%; The national urban survey unemployment rate averaged 5.1%, and the national consumer price index (CPI) rose by 0.7% year-on-year, both lower than the expected target of annual macro-control.

Despite the impact of adverse factors such as epidemic situation and flood, China’s agricultural production remained stable, and its industry and service industry withstood the impact, showing an improvement trend, and its development resilience continued to show. In particular, the market has achieved positive results in ensuring supply. In October, the year-on-year growth rate of raw coal production in China changed from last month to 4%, and the production of metal containers and integrated circuits, which are in short supply in the market, increased by 76.2% and 22.2% respectively.　

Positive changes have taken place in industrial production. In October, the growth rate of 22 of 41 major industries rebounded, and the output growth rate of 288 of 590 industrial products rebounded, and the areas of industrial production improvement increased significantly.　

Fu Linghui, spokesperson of the National Bureau of Statistics and Director of the National Economic Comprehensive Statistics Department:Positive changes in industrial production will provide strong support for economic recovery. In the medium and long term, China’s economy is improving for a long time, the integration of industrialization and informatization is accelerating, the digital transformation of manufacturing industry continues to advance, the innovation drive is constantly enhanced, and the industrial economy has broad prospects for development.

In the first 10 months of this year, the online retail sales of physical goods increased by 14.6% year-on-year, accounting for 23.7% of the total retail sales of social consumer goods.

Fu Linghui, spokesperson of the National Bureau of Statistics:These conditions show that the resilience of China’s consumer market is sufficient, the consumption scale is expanded, the consumption structure is upgraded, and the development trend of consumption pattern innovation has not changed. With the economic recovery, the expansion of employment, the increase of residents’ income and the gradual improvement of social security, consumption growth still has good support.

Fu Linghui said that China’s sustained economic recovery has not changed, and positive factors are accumulating. However, we must also see that there are still many uncertainties in international instability and constraints on domestic economic recovery. It is worth noting that in October, the national industrial producer price index (PPI) rose by 13.5% year-on-year, and the "scissors difference" with CPI was as high as 12 percentage points. The cost of enterprises continued to rise, and there was some pressure on ensuring supply and stabilizing prices.

Fu Linghui said, looking at the fourth quarter and the beginning of next year, the risk challenges faced by China’s economy are still complex and severe. Despite some risk challenges, overall, the economic operation is stable and the development quality is expected to be gradually improved.

How to calculate the yield of Yu ‘ebao?

　　Yu ‘ebao is a popular investment and financial management method at present. Many people invest in Yu ‘ebao but don’t know it.How to calculate the income of Yu ‘ebao?The premise of calculating the income of Yu ‘ebao is to check the yield of Yu ‘ebao. According to different yields of Yu ‘ebao, you can calculate your Yu ‘ebao income according to the formula "Yu ‘ebao income = (your actual capital × income per 10,000 shares) ÷10000, or Yu ‘ebao income = income per 10,000 shares × your actual capital".

　　Since Alipay, the largest third payment platform in China, launched a balance appreciation service in June 2013, Yu ‘ebao has been highly concerned by people who like financial management. There are rumors that there is a bubble period of funds in the country this year, so Alipay has opened this value-added service, so that more people can deposit their money in Yu ‘ebao, and then everyone’s money will be gathered together and then invested. In the process of this investment, the income generated will be calculated according to a certain proportion of your principal, and the interest will be converted. Is Yu ‘ebao’s income really as good as it says? How to calculate the yield of Yu ‘ebao?

　　Calculation method of Yu ‘ebao’s income: seven-day total income /10000 (based on ten thousand yuan) * seven-day annualized rate of return per ten thousand copies = income (income/day).

　　For example, the total income of seven days is 200 yuan /10000*2.056% (every ten thousand income announced by the fund company on that day) =0.009 yuan (income on that day).

　　Calculation rules of Yu ‘ebao’s income:

　　Step 1: You must have an Alipay (or Yu ‘ebao) account. Transfer the deposit in Alipay to Yu ‘ebao.

　　Step 2: After the funds are transferred to Yu ‘ebao before 15 o’clock on the same day, it needs to be confirmed by the fund company for one day (not confirmed on weekends and national legal holidays).

　　Step 3: The fund company is internally divided by Yu ‘ebao, which mainly collects the funds of all users of Yu ‘ebao and then invests them.

　　Step 4: The daily income per 10,000 shares is announced by the fund company. Its origin is that the fund company invests your principal, and then the income of that day accounts for the proportion of the principal. For example, if you invest 10,000 yuan and the income is 100 yuan, then the yield is 1% (100/10,000 = 1%).

　　Check the seven-day annualized rate of return per 10,000 copies of "Yu ‘ebao" (this is the rate of return launched by Yu ‘ebao). Baidu searches for "Yu ‘ebao" and clicks on the link of Yu ‘ebao.

　　Step 5: Enter the balance treasure income broadcast page, which is the platform of "seven-day annualized rate of return per 10,000 shares" specially announced by fund companies. (The annual rate of return of Yu ‘ebao is the proportion of the income of seven days to the whole year. If the rate of return changes every seven days, your income will also change with it.

Postscript

　　I believe everyone knows how to calculate the yield of Yu ‘ebao, right? Compared with ordinary bank deposits, the interest rate is much higher, but at the same time there are certain risks, so Xiaobian suggests that you can spread the amount when managing money to ensure the maximum income and the highest security. For more questions about Yu ‘ebao, Xiaobian recommended it in related reading, hoping to bring help to netizens.

　

　　Last March was a big policy aimed at regulating the property market and stabilizing expectations, and this March was an intimate little detail involving market transactions. Following the release of the official version of the second-hand housing contract between buyers and sellers, the Beijing Municipal Commission of Housing and Urban-Rural Development issued three documents concerning housing agencies last night, aiming at regulating the second-hand housing market, clarifying for the first time the relationship between the sale of stock houses and the brokerage services, and clarifying the rights and obligations of real estate brokers and buyers and sellers.

　　All three documents will be implemented on April 15th. According to the contents of the document, the charging standard of second-hand housing intermediary service is determined by the entrusting party and the entrusted party through consultation based on the service content, service cost, service quality and market supply and demand; There is no clear requirement for who will pay the service fee, and it is also agreed by the parties to the transaction themselves.

　　The charging standard of agency fee shall be settled through negotiation.

　　In addition to the Notice on Strengthening the Administration of Filing and Publicity of Business Sites of Beijing Real Estate Brokerage Agencies, this time, the model texts of Beijing Stock House Sale Brokerage Service Contract and Beijing Stock House Purchase Brokerage Service Contract were also released.

　　"Sale contract" refers to the contract signed by the second-hand house seller and the housing agency, while "off-take contract" refers to the contract signed by the buyer and the housing agency. That is to say, starting from April 15th, buyers and sellers of second-hand houses in Beijing will sign contracts with intermediaries separately.

　　The reporter learned from a number of intermediaries that there have been practices in which intermediaries have signed contracts or agreements with buyers and sellers before. However, it is found that the official version is more comprehensive and standardized in content.

　　Especially on the issue of agency fees. Both the sale contract and the off-take contract are marked with a "service fee". Does this mean that there will be a new attempt to collect agency fees? Previously, an intermediary in Tianjin has tried to share the burden between buyers and sellers. Will Beijing follow up? How to determine the charging standard?

　　Judging from the current market trading habits, the brokerage service fee is mainly borne by the buyer. "There is no clear requirement for who will pay the brokerage service fee, which is agreed by the parties to the transaction." Li Wenjie, president of the Beijing Real Estate Agency Industry Association, explained that according to the Measures for the Administration of Real Estate Brokers, the same real estate brokerage business can only be charged according to one business, and no additional fees can be charged to the clients. Therefore, brokerage institutions sign sales and off-take contracts with clients respectively. No matter whether the brokerage service fees are paid by both parties or by one of them, brokerage institutions cannot increase the fees.

　　As for the charging standard, Li Wenjie said that the state and Beijing Municipality stipulate that the real estate brokerage service fee shall be subject to market-regulated price management, and the charging standard shall be determined by the entrusting party and the entrusted party through consultation according to the service content, service cost, service quality and market supply and demand. Therefore, in the model contract, there is no definite standard, but it is left to negotiation in the transaction.

　　Buyers and sellers also have to pay intermediary fees for "string orders"

　　What needs to be reminded to buyers and sellers is that even if no transaction is finally reached with the intermediary after entrustment, they may have to pay the corresponding intermediary fee, which is listed in the contract model through "liability for breach of contract".

　　For buyers, they have given up the right to entrust other intermediaries to buy a house at the same time (exclusively entrusted to an intermediary), but they bought a house through other intermediaries during the entrustment period; The buyer refuses to sign a transaction contract with the seller introduced by the entrusted intermediary, but makes a transaction with the seller within the agreed time after the expiration of the entrustment period; The buyer refuses to sign a contract with the seller introduced by the entrusted intermediary, but after the expiration of the entrusted period, he has to pay the intermediary fee to the entrusted intermediary in accordance with the contract.

　　For the seller, he has given up the right to entrust other intermediaries to sell the house (exclusively entrusted to an intermediary), but sold the house through other intermediaries during the entrustment period; Has given up the right to sell by itself, but sells the house by itself within the entrustment period; Has refused to sign a transaction contract with the buyer introduced by the entrusted intermediary, but has made a transaction with the buyer within the agreed time after the expiration of the entrusted period; We have refused to sign a transaction contract with the buyer introduced by the entrusting intermediary, but within the agreed time after the expiration of the entrustment period, we have made a transaction with the buyer through other intermediaries. If the entrusting intermediary has evidence to prove that there is a direct causal relationship between the transaction of the house and the brokerage service for the sale of the existing house, we need to pay the intermediary fee to the entrusting intermediary in accordance with the contract.

　　The contract can be terminated if it is infringed by false information.

　　According to the liabilities for breach of contract listed in the two contracts, if the intermediary entrusted by the buyer or the seller infringes on the interests of the buyer or the seller by concealing or fabricating information, the intermediary shall refund the collected real estate brokerage service fee and bear the liability for compensation according to law, and the buyer and the seller also have the right to unilaterally terminate the contract.

　　However, if the buyer or seller provides false housing information and materials, the intermediary also has the right to unilaterally terminate the contract.

　　In addition, the model contract also makes it clear that if the contract cannot be performed as agreed due to force majeure, the liability may be exempted in part or in whole according to the influence of force majeure, but the party that fails to perform the contract as agreed due to force majeure shall inform the other party in time.

　　The model text of the stock house sale and off-take brokerage service contract will be promoted and implemented together with the model text of the Stock House Sales Contract released in the early stage, and will be officially put into use from April 15, 2018.

　　The person in charge of the Municipal Commission of Housing and Urban-Rural Development previously introduced that since March last year, a total of 532 intermediaries operating in violation of regulations have been cancelled for the record, 351 intermediary stores operating in violation of regulations have been shut down, and 240 stores have shut down by themselves, which has formed a powerful shock to market violations.

　　"If last year was ‘ Law enforcement supervision year ’ , then this year will become ‘ Year of system construction ’ The service supervision of government departments on the real estate brokerage industry will continue to advance in the direction of deepening, refinement and long-term. " Yin Fei, dean of the School of Law of the Central University of Finance and Economics, said that the policy documents issued by the Municipal Housing Construction Committee and relevant departments this year have comprehensively strengthened the management of intermediaries by improving policies and regulations, strengthening institutional mechanisms, and guiding the use of contract model texts.