Yi Gang: More than 90% of newly issued loans have used LPR as the pricing benchmark

In the 10th issue of 2020, Qiushi published an article by the People’s Bank of China Governor Yi Gang “Using financial support policies to promote epidemic prevention and control and economic and social development.” The following is the full text: Finance is the blood of the economy and is indispensable to social life.Basic services that are missing.The emergence of the new coronary pneumonia epidemic has superimposed the economy in the downward cycle and has a conductive impact on the current economic and financial operations.The Party Central Committee with Comrade Xi Jinping at the core has made a series of decisions and arrangements for the overall promotion of epidemic prevention and control and economic and social development.In accordance with the important instructions and instructions of General Secretary Xi Jinping and the Central Leading Group’s response to the New Coronary Pneumonia Outbreak, the Joint Defense and Joint Control Mechanism of the State Council, and the deployment requirements of the Financial Stability Development Committee of the State Council, the People ‘s Bank of China insists on focusing on the people and serving the real economy.Seriously convene the duties of the Office of the National Finance and Financial Stability Development Committee, lead the financial sector to resolutely establish the Central Congress, and the State Council plans to make decisions to provide strong support for winning the epidemic prevention and control war and promoting economic and social development.First, for the prevention and control of the epidemic and the stable operation of the financial market in the monetary and financial environment, the new crown pneumonia epidemic is the rate of spread that has occurred gradually since the founding of New China. It has the widest scope of infection and the largest prevention and control.The incident also had an impact on China’s economy and finance, and a major exam.Faced with an extremely severe and complex situation, the People ‘s Bank of China, in accordance with the requirements of the Party Central Committee on “stable monetary policy needs to be more flexible and flexible”, has taken a variety of measures to strengthen the counter-cyclical adjustment of monetary policy and maintain reasonable and sufficient liquidity in the financial system.Stabilizing social expectations, unwaveringly supporting the opening of the financial market as scheduled on February 3, 2020, unleashed the belief and strong signal of a firm victory in the epidemic prevention and control.First, overall, liquidity exceeded expectations.On January 6, 2020, the deposit reserve ratio of financial institutions was lowered by 0.On the basis of the release of more than 800 billion U.S. dollars in long-term funds, the financial market will be implemented on February 3 and February 4.7 trillion US dollars reverse repurchase operation, two targeted reductions in March and April released long-term funds of 550 billion US dollars and 400 billion US dollars respectively, and also used a variety of monetary policy tools such as standing borrowing facilities, refinancing, and discountingThe liquidity of the financial market is reasonably sufficient.Secondly, in terms of prices, orderly guidance of interest rates in financial markets such as currency and credit will go down.Since the beginning of this year, open market reverse repurchase operations and medium-term lending facility winning bid rates have each dropped by 30 basis points, and the 1-year loan market quoted rate (LPR) has also fallen by 30 basis points.At the end of April, the 10-year Treasury bond rate was 2.5%, down by 0 from the previous year’s high.9 digits; 1-year Treasury yield is only 1.About 1% is at a historical low.At present, a series of counter-cyclical monetary policy adjustments adopted in the previous period have achieved positive results.First, the scale of monetary credit and social financing maintained reasonable and rapid growth, and corporate financing costs fell.In the first four months of 2020, RMB loans increased by 8.8 trillion yuan, an increase of 1 in ten years.97 trillion yuan; the increment of social financing scale is 14.19 trillion yuan, an increase of 3 over ten years.91 trillion; At the end of April, the broad money M2 increased by 11.1%, 2 higher than the same period last year.Six singles, under the controversial impact of the Spring Festival factors combined with the epidemic on economic growth, reflected the strengthening of counter-cyclical adjustment.From February to April 2020, under the influence of budgetary special re-loan policies, fiscal discounts, and the decline in the quoted interest rate of the commercial bank loan market, corporate loan interest rates have dropped significantly.In particular, in the first quarter, the average interest rate of newly issued inclusive small and micro loans of five large banks was 4.4%, a decrease of 0 from the full-year forecast for 2019.3 averages.Second, the opening of the financial market as scheduled, the securities, foreign exchange market, etc. have shortened the test.The stock market stabilized and rebounded after falling on the opening day of February 3, which greatly enhanced market confidence.Since late February, the growth of major global stock indexes and the spread of panic sentiment have gradually declined to some extent in the A-share market, but the overall operation is stable and the changes are significantly smaller than other major economies in the world.The exchange rate of RMB against the US dollar has doubled. From the beginning of the year to May 10, the cumulative depreciation is less than 2%, and market expectations are stable.In addition, currencies, bonds, bills, gold and other financial markets have also opened as scheduled, and the overall operation is stable.Under severe and complex indicators, we withstood market pressure and insisted on opening the financial market as scheduled, which embodies the Party Central Committee’s determination to maintain market rules, and also shows that China’s financial market is gradually maturing, fully affirmed by market participation and the International Monetary FundPositive evaluation of organizations (IMF) and other institutions.Second, provide emergency and efficient special financial services for epidemic prevention and control. Focusing on the overall situation of epidemic prevention and control, the People’s Bank of China promptly opened a “green channel” for various financial services to ensure uninterrupted basic financial services and fully support the production of medical materials and necessities.On February 1, the Ministry of Finance, the China Banking Regulatory Commission, the China Securities Regulatory Commission, and the State Administration of Foreign Exchange issued the “Notice on Further Strengthening Financial Support to Prevent and Control New Coronavirus Infection of Pneumonia”. It introduced 5 aspects, 30 financial support measures, and strive to do a good job.Provide preferential interest rate credit support to epidemic prevention and control production enterprises, and provide differentiated preferential financial policies for regions, industries, enterprises and residents affected by the epidemic.-Provide preferential interest rate credit support for important medical and domestic material production enterprises to meet the “guaranteed supply” enterprise capital needs.Fiscal, financial, and industrial policies work together. The People ‘s Bank of China provides $ 300 billion in special budget refinancing funds. In conjunction with the National Development and Reform Commission and the Ministry of Industry and Information Technology, it implements inventory management of key guarantee companies.The re-loan funds are used by the enterprises most needed to fight the epidemic.At the same time, various commercial banks proactively docked with the companies in the list to speed up the progress of credit lending and completed the “loan should be fully loaned, loan should be fast loan”, the loan interest rate is the latest 1-year loan market quoted rate (LPR) minus 100 basis points.As of May 9th, 9 national banks and 10 provincial, municipal, and local financial institutions have issued concessional loans totaling 272.7 billion U.S. dollars to 7,151 key enterprises, reducing the average interest rate by 2.After 5% and 50% discount from the finance, the actual financing cost of the company is only about 1.25%, which is lower than the average interest rate of corporate loans of about 5%, effectively meets the “guaranteed supply” needs of corporate funds.-Carry out a “green channel” for fund transfer for epidemic prevention and control to ensure that the fund transfer is not incompatible.In order to ensure the emergency funds for epidemic prevention and control, and large amounts of funds for donated materials from all walks of life at home and abroad, the People’s Bank of China opened a “green channel” during holidays.From January 24 to May 10, the People’s Bank of China scale quota payment system gradually replaced 8153 special payments of more than 10 million yuan in Hubei province’s epidemic prevention work, with an amount of 549.4 billion yuan; gradually opened through the “green channel” to fight against the epidemicThere are 14,632 bank accounts of related units.The epidemic prevention and control response plan was launched in a timely manner to ensure the continued stability of mobile payment services such as micro-payment, WeChat and Alipay of commercial banks.Guide clearing institutions, commercial banks, and non-bank payment institutions to reduce or exempt handling fees, and 15 national commercial banks will be exempt from handling fees for donating money to fight epidemic outbreaks.-Carry out an emergency budget for treasury funds for epidemic prevention and control in a timely manner to ensure the need for prevention and control funds.It is the legal responsibility of the Treasury of the People’s Bank of China to disburse treasury funds. During the extraordinary period of combating the epidemic, the Treasury system of the People’s Bank of China has further improved the efficiency of government funds allocation and “race” the epidemic.As of May 10, the State Treasury Department expanded to the general financial department to handle 141042 funds for epidemic prevention and control funds, with an amount of US $ 114.8 billion; of these, 2,200,447.The US $ 70 billion of central and provincial financial special subsidies to support local governments to fight the epidemic has effectively guaranteed the funding needs of local health committees, designated hospitals, community health service centers, and hospital construction units.-Establish a “green channel” in foreign exchange business to ensure the prevention and control of epidemic materials trade.After the epidemic occurred, the trade in materials such as medical care, isolation and epidemic prevention, disinfection and sterilization increased, and there was an urgent need to improve the convenience of foreign exchange services.In this regard, the People’s Bank of China instructed the State Administration of Foreign Exchange to simplify the process of purchasing and paying foreign exchange for the import of epidemic prevention and control materials, organized banks to open up a “green channel” for related businesses, and simplified the procedures for accounting and settlement of foreign donations, allowing banks to directly handle the settlement and settlement of funds.For the settlement and payment of capital project income related to the prevention and control of the epidemic by the enterprise, the bank will conduct an ex-post inspection on the authenticity of the use of funds. The enterprise does not need to submit documentary materials one by one to the bank in advance.For enterprises that need to borrow more foreign debt due to epidemic prevention and control, the restriction requirements have been lifted, and the financing channels for enterprises have been broadened.-Do a good job in credit reporting services during the epidemic, and effectively protect the public’s credit reporting rights.For those hospitalized or quarantined due to new coronary pneumonia, the epidemic prevention and control needs to isolate the observers, the staff participating in the epidemic prevention and control, and the “four types of people” who temporarily lose their income sources due to the epidemic, and require financial institutions to be appropriately inclined and flexible in credit policyAdjust the personal mortgage repayment schedule for housing mortgages and credit cards, and reasonably postpone the repayment period; if the personal loans and credit card overdrafts are overdue during the epidemic prevention and control, do not violate the default and do not enter the list of defaulting customers;If the payment is overdue, credit and loss of credit records shall not be separated.-Support enterprises to expand the scale of bond financing and reduce the cost of bond financing.In order to prevent corporate bond financing from being affected by the epidemic, the People’s Bank of China established a “green channel” for bond issuance, extended the validity period of bond quotas, adjusted the time limit for information disclosure reasonably, adjusted policies in a timely manner, and supported online processing of business.Raised funds are mainly used for epidemic prevention and control and corporate credit bonds issued by enterprises in areas with severe epidemics, reducing service charge standards; on this basis, the issuers of Hubei Province issuer corporate members will be halved in the first three months of 2020.By the end of April 2020, it had accumulatively supported the issuance of 388 special bonds for epidemic prevention and control, worth 399.3 billion yuan.Third, actively respond to the impact of the epidemic, and fully implement the “six guarantees” task. The People’s Bank of China resolutely joined the Party Central Committee. The State Council made a decision to deploy and comprehensively support financial support to promote epidemic prevention and control and economic and social development in accordance with epidemic prevention and control and economic and financial changes.Work, especially to increase the “six stability” work, merge the “six guarantees” task, take the “six guarantees” as the focus of the “six stability” work, focus on financial support to stabilize enterprises to secure employment.-In accordance with the principles of marketization and rule of law, increase financial support measures for the resumption of production of small and medium-sized enterprises.There are currently about 20 million small and micro enterprise legal persons, accounting for more than 90% of market legal person participants.In addition, there are more than 80 million individual industrial and commercial households.Solving the financing problems faced by small and medium-sized enterprises in resuming production and production is only an important economic and financial issue, and it is also an important employment and livelihood issue.On February 25, after studying at the executive meeting of the State Council, the People ‘s Bank of China issued a financial policy change to support the resumption of production of small, medium and micro enterprises, and strived to achieve the overall “incremental, price reduction, quality improvement, and expansion” of financing for small and micro enterprises in 2020.aims.One is to provide refinancing and discounting support1.8 trillion yuan.In addition to the establishment of a $ 300 billion special project re-loan to support epidemic prevention and protection, an additional $ 500 billion re-loan re-discount line was supported to support local corporate banks to issue preferential loan loans to small and medium-sized enterprises to resume work and production;Loan rediscount lines, with small and medium-sized micro-enterprise loans with a wide range of preferential interest rates, are expected to cover more than 2 million businesses.The People’s Bank of China will support agriculture and refinance loans for small loans from 2.75% down to 2.5%, the interest rate of loans provided by commercial banks using funds of the People’s Bank of China does not exceed 4.55%.As of May 7, financial institutions have issued preferential interest rate loans totaling 705.2 billion US dollars.The second is to support policy banks to increase the special credit lines of 350 billion private small and micro enterprises, all of which will be put into place before the end of June.Increase the maximum credit plan of policy banks by 6,000 trillion.The three policy banks follow the principle of capital preservation and meager profit, and the actual loan interest rate should be significantly reduced.The third is to guide financial institutions to increase US $ 300 billion in low-interest-rate loans and provide targeted support to individual business households affected by the epidemic.Encourage the National Bank of China to increase the credit growth rate for small and micro enterprises, and strive to increase the growth rate of the balance of inclusive small and micro enterprises loans in the first half of the year by not less than 30%, and the interest rate has dropped significantly from 2019.Fourth, increase bond financing support.Establish a “green channel” for bond issuance in special periods. From January to April, corporate credit bonds were issued4.6 trillion yuan, an increase of 46% in ten years; private enterprises issued about 270 billion yuan of bonds, and the amount of issuance reached a new high in recent years.Guide the highest net financing of corporate credit bonds by 1 trillion yuan more than the previous year.Support financial institutions to issue 300 billion small and micro financial bonds throughout the year.Fifth, promote the integration of core enterprises and large state-owned banks with accounts receivable financing platforms.In the first quarter of 2020, small and medium-sized enterprises raised 156.8 billion yuan through the accounts receivable financing platform, and strived to promote the financing of 800 billion yuan by small and medium-sized enterprises through accounts receivable.In addition, it also cooperates with the Banking and Insurance Regulatory Commission and other departments to encourage financial institutions to provide loan principals and quotations to small and medium-sized enterprises (including individual industrial and commercial households) that meet the conditions and have temporary liquidity difficulties according to the application of the market and the principles of marketization and rule of lawTemporary deferred repayment arrangements.For principal, if it is due since January 25, 2020, the repayment date can be extended up to June 30, 2020; for the index, if the payment is required from January 25, 2020 to June 30, 2020, the longest can also beCalculated and collected until June 30, 2020, and penalty interest is exempted.As of April 15th, banking institutions have implemented deferred repayments on principal and interest of more than $ 1 trillion in loans.Among them, the principal repayment of deferred loans is 60.40,000 households, 9637.1 trillion US dollars, 51 interest repayment of deferred loans.90,000 households, 481.500 million yuan.-Actively and steadily resolve urgent issues such as debt repayment, capital turnover and expanded financing faced by enterprises in resuming production.The People’s Bank of China, in conjunction with relevant departments, innovated and improved financial support methods to promote financial institutions to provide separate credit lines for key epidemic prevention areas, and provide special credit lines for enterprises affected by the epidemic situation; enterprises were urged to increase the extension of corporate loans and renew loansStrengthen and reduce simplified procedures, appropriately reduce and exempt loan interest, moderately expand the scope of pure credit debt allocation, and prevent the breakage of corporate capital chains, etc .; for industries affected by the epidemic and confrontation, and companies that have development prospects but are temporarily affected by the epidemic, requireCommercial banks shall not blindly draw loans, break loans, and suppress loans.-Increase support for key industries and weak links.In the long run, the key to responding to the economic and financial impact of the epidemic is to adhere to the promotion of economic growth in accordance with the requirements of the new development concept, and continue to promote transformation and upgrading and structural adjustment.In this way, the People’s Bank of China vigorously optimizes the allocation of financial resources, and organizes banking institutions to increase the financial layout of regions and key enterprises that have been severely affected by the epidemic by adjusting regional financing policies and internal capital transfer pricing, especially for tourism, entertainment, accommodation and catering, Transportation and other industries seriously affected by the epidemic, as well as key areas and weak links such as poverty alleviation, people’s livelihood and employment, introduce various preferential policies, smooth financing channels, reduce financing costs, and effectively improve service quality and efficiency.At the same time, we organized banking institutions to increase credit support for advanced manufacturing, emerging manufacturing, and emerging industries, increase medium- and long-term loans in manufacturing, and guide more high-quality resources into key areas of economic growth and development.Fourth, to continue to deepen financial reforms and expand opening up to make good use of financial support policies, we must not only look at the present, but also benefit the long-term.The People’s Bank of China continues to promote the lateral structural reform of finance, while continuously improving the ability to prevent and resolve financial risks, the pace of financial reform is getting faster and faster, and the door of financial opening is opening wider.-Deepen market-oriented reform of interest rates.Interest rate is the most important financial factor price.The People’s Bank of China liberalized the adjustment of interest rates on loans and deposits in July 2013 and October 2015, respectively, and a major breakthrough was made in the market-oriented reform of interest rates.Since the introduction of the quoted interest rate (LPR) in the loan market quoted by commercial banks in 2019, the marketization of interest rates has continued to increase, and market interest rates have continued to fall.At present, more than 90% of newly issued loans have used LPR as the pricing benchmark.After starting the conversion of floating deposit interest rate loan pricing benchmarks on March 1, 2020, we will further unblock monetary policy intervention mechanisms, break through the implicit lower limit of loan interest rates, and guide a gradual decline to replace the interest burden of enterprises and residents.In March 2020, the average interest rate of corporate loans was 4.82%, a decrease of 0 from July 2019 before the LPR reform.5 averages.-Promote financial reform and opening up in key areas in key regions.On February 14, 2020, the People ‘s Bank of China, in conjunction with the Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission, the Foreign Exchange Bureau, and the Shanghai Municipal Government issued the “Opinions on Further Accelerating the Construction of the Shanghai International Financial Center and Financial Support for the Integrated Development of the Yangtze River Delta”, which proposed 30Strip specific measures, benchmarking the highest international standards, including expansion development requirements, promote Shanghai to be the vanguard of financial reform and opening up, and prepare for the exploration of the financial consolidation model before the full merger of gross national income plus the inventory management system.On May 7, clarify and simplify the internal securities and futures investment funds management requirements for foreign institutional investors, cancel the requirements for the management of internal securities investment quotas for qualified foreign institutional investors (QFII) and RMB qualified foreign institutional investors (RQFII), and cancel the number of custodiansRestrictions, etc., further facilitate the participation of foreign investors in the financial markets.-Continue to promote the prevention and resolution of major financial risks.Preventing and resolving major risks is one of the three major battles determined by the 19th National Congress of the Communist Party of China, and is a major change in the decisive victory of building a well-off society in an all-round way.In 2020, the People ‘s Bank of China will continue to earnestly promote the work of the State Council ‘s Financial Stability and Development Committee, and gradually implement it to advance financial risk disposal in key areas in a stable and orderly manner; replacement, and continue to accelerate the construction of a system for preventing and mitigating financial risks.On March 5, the National Development and Reform Commission of the People ‘s Bank of China, the Ministry of Finance, the China Banking Regulatory Commission, the China Securities Regulatory Commission, and the Foreign Exchange Bureau issued the “Working Plan for the Overall Supervision of Financial Infrastructure” to unify the standards for financial infrastructure supervision, improve access management, and promote the formation ofReasonable layout, effective governance, advanced and reliable, and flexible financial infrastructure system.Support pilot commercial banks and some insurance institutions to participate in the China Financial Futures Exchange’s Treasury futures trading, further meet the risk management needs of banking and insurance institutions, and enrich the market investor structure.-Further strengthen international financial cooperation.In order to create a favorable international environment, since the outbreak, the People’s Bank of China took the initiative to speak on international occasions, actively communicate with the International Monetary Fund (IMF), and respond to international concerns in a timely manner.On March 2, coordinated the “Belt and Road” Inter-Bank Normalized Cooperation Mechanism (BRBR) to release “Support for China and Other Countries to Solve the New Coronary Pneumonia Outbreak”, fully affirming the huge efforts and effective measures to fight the outbreak.On March 4 and April 16, the International Monetary Fund International Monetary and Financial Committee telephone video conference, March 8 and May 5 International Bank of Settlements (BIS) telephone video conference and March 23 TwentyAt important moments such as the group’s finance ministers and successive governor meetings, the People’s Bank of China introduced financial support to major countries and economies around the world to support epidemic prevention and control and the orderly advancement of resumption of production and production, as well as the work of a stable China and global supply chain andThe results have strengthened the confidence of the international community in the economic development of developing countries.At present, major strategic achievements have been achieved in the epidemic prevention, control and blocking war, and the economic and social order has been restored quickly.However, the spread of overseas epidemics has had a significant adverse impact on the economy and finance of the transitional world, which has brought new challenges to long-term economic development.The current economic scale is large, the economy is sufficient, and the maneuver space is connected. There are many favorable conditions for maintaining the overall development of economic and financial stability.The People’s Bank of China will, in accordance with the Party Central Committee’s deployment, give full play to the leading role of financial policies such as refinancing and re-discounting, loan repayment of principal and interest, and dredge intervention mechanisms to provide strong support for stabilizing employment and real economy development; strengthening monetary policyCounter-cyclical adjustment, pay more attention to flexibility and appropriateness, maintain the stability of the financial market, and promote the victory of epidemic prevention and control and economic and social development.Editor Yue Caizhou

[How to make matcha chestnut cake]_Homemade method of matcha chestnut cake_How to make matcha chestnut cake_How to make matcha chestnut cake

[How to make matcha chestnut cake]_Homemade method of matcha chestnut cake_How to make matcha chestnut cake_How to make matcha chestnut cake

Have you ever been scared of cancer today?

Why is the terrible disease of cancer getting closer to human beings?

Dietary factors determine the decisive role.

So, to get away from cancer, the first thing to do is to eat healthy.

And the first cloth of healthy eating, you need to make it at home.

Now let me introduce you to Matcha Chestnut Cake 1.

Add 20 grams of fine granulated sugar to the egg yolk to make it thick and slightly swollen.

Add 3 grams of fine granulated sugar to the egg white 3 times, beat until it is picked up with an eggbeater and can form a sharply curved tip 2.

1 Sift the low-gluten flour and matcha powder into the egg paste, and mix with a rubber knife until no dry powder is visible at all.

2 Take a small part of the protein and add it to the egg yolk paste. Use a rubber spatula to mix evenly. Then pour the egg yolk paste into most of the remaining protein.

Put a batter in a circular inlaid mouth inlay bag with a diameter of about 1cm, add batter, and squeeze 2 spiral cake wafers on a non-stick cloth. The diameter of the cake slices is slightly larger than the mold 5

Put it in a preheated oven and bake it at 180 degrees for about 10 minutes. After baking, let it cool naturally in the room.

Cut out a piece of it according to the size of the mold and spread it on the bottom of the mold. You may never have been to the kitchen. But after reading the introduction of the matcha chestnut cake, you definitely want to try it yourself.

[How to make pork with tofu?】 _How to do_How to do

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[Can you drink honey when pregnant]_Pregnancy_Impact

[Can you drink honey when pregnant]_Pregnancy_Impact

After pregnancy, women will have many adverse conditions on their bodies, such as nausea and vomiting, insomnia, and loss of appetite, etc. Most of these situations are caused by imbalance of estrogen secretion after pregnancy.

After pregnancy, there are many dietary taboos. Some cannot eat too spicy, too cold irritating foods, can’t smoke, can’t drink, and so on.

There are many people who have doubts about whether women can drink honey water when pregnant. Let’s introduce it below.

Can I drink honey water when pregnant?

1. You can drink honey water when you are pregnant. Honey contains more nutrients. Among them, many amino acids are necessary for the human body, but if the blood sugar is high, it is recommended not to drink it.

2. Drinking honey water can prevent constipation and help with childbirth. Various trace elements such as zinc and magnesium and multiple vitamins are available in honey, which can promote digestion and absorption, increase appetite, improve sleep quality, and improve body resistance.

3, pregnant mothers eat honey in moderation can also effectively prevent constipation and hemorrhoid bleeding, pregnancy-induced hypertension syndrome, pregnancy anemia and other diseases.

When do pregnant women drink honey water during the day? 1. Pregnant women are on the water every day and put a few drops of honey in the afternoon water, which can effectively prevent diseases such as pregnancy-induced hypertension syndrome, pregnancy anemia, and pregnancy with hepatitis.

At the same time, honey slows down laxative, which can effectively prevent constipation and hemorrhoid bleeding.

2, pregnant women drink a glass of honey water before going to bed, soothe the nerves and nourish the brain, nourishing blood and nourishing yin; it can treat multiple dreams and wake up easily, and sleep is not fragrant.

In winter, it is easy to have dry throat and cough and lung cough. You can use 1 large Sydney. After digging the core, stew it with 50 grams of honey and take it for 5-7 days.

If you use honey to mix the right amount of flour on the face and the back of your hands, it will also moisturize the skin and improve its beauty.

It is possible to drink honey water in the first trimester. Although pregnancy hypertension rarely occurs in the first trimester, if pregnant women have high blood pressure symptoms before pregnancy, it is recommended not to drink honey water.

Pregnant women can drink honey water, but it is also different from person to person. Pregnant mothers should not just take prescriptions for beauty or prevent constipation, in order to prevent more serious situations.

[How to cut pork shreds correctly]_ cutting method _ how to cut

[How to cut pork shreds correctly]_ cutting method _ how to cut

Our diet should be rich. In addition to vegetables, eggs should also have a variety of meat, so that the body can be more healthy.

Among them, meat food can make the body stronger, especially beef is more suitable for children who are growing up.

However, everyone has experienced that beef is particularly difficult to cut, especially shredding will be more difficult, so how to cut the shredded correctly?

Of course, it is better to cut along the texture of the beef.

How to cut the shredded beef to make it tender 1. First, use the back of the knife to gently pat the beef on both sides.

Because the beef meat is hard, tapping can destroy the fibrous tissue of the beef, so that the gravy in the meat is released, and the meat is soft and tender, close to the tender and tender texture.

2. Cut the beef horizontally and inversely (cut the fiber in the direction of cutting) to cut into half-finger pieces.

When beef is sliced, it must be cut into shreds to make it tender.

Because beef fiber is relatively thick, it must be cut in reverse.

3. After cutting the beef tenderloin, cut it into shreds.

That is, cut along the texture, because if you cut it against the texture, it will be easy to break and it will not look good.

How to fry beef shreds is smoother and tenderer, such as fried beef shreds is a classic little stir-fry, whether it is good or not, gradually the degree of beef tenderness, but as long as you master the three key steps of beef decoction, salted beef, boiled beef, fried beef shreds will neverold.

1. Selection of beef To make good fried beef shreds, you must replace it to be more tender beef. If you use sirloin slices to stir-fry, then it can only be marinated with lime water, so what is the cooking method?It is very important what raw materials are used.

The parts that should be selected for stir-fried beef. Generally speaking, beef fillets and shredded beef are mainly made of hind leg meat. The meat fiber in this part is relatively thin and the meat is firm and tender, so it is more suitable for fried beef slices or shredded meat.

There is another part of meat that we all know is beef tenderloin, which is more delicate, black pepper beef tenderloin and Chaozhou beef tenderloin in some Cantonese dishes, so these two parts are mainly used for cooking meat.Now we have the choice of raw materials.

2. Preliminary processing of beef If you choose the shank of beef, it will be processed in one step.

Because there will be one or two layers of fascia interspersed in the middle of the hind leg meat. Imagine a layer of fascia in the middle of a piece of beef. If it is tender, it will not bite.

Therefore, the fascia must be removed to maintain the tenderness of the meat.

However, to remove the fascia, a sharp knife is required.

If you do n’t have a sharp knife, ask the seller to help you pick it when you buy it, or you can go home and waste more than three or two pieces of meat. You can pick up the wasted meat and stew it, so the ingredients are OK.

3. How to cut beef Beef cutting is also very important. The old saying often says “sliced horizontally and shredded”.

“Sliced horizontally” means that if you want to cut beef slices, you have to cut them against the texture. What is called reverse texture? It means that the texture of the blade and beef is cut at 90 degrees, and the fiber is cut.Already.
“Sliced shreds” means that cut beef shreds must be cut along the texture, because if you cut the shreds against the texture, it is easy to break and it is not good-looking, it becomes beef filling, so it must be cut along and not easy to break.

4. Marinated beef is relatively old. Although the selected parts are relatively tender compared to other parts, in general, other meats are still relatively old, as some special seasonings must be added to achieve tenderness.

Baking soda flour (also known as food flour) is a more important seasoning for corned beef. Its chemical reaction in the meat can break the crude fiber in the meat. The real reason why the beef cannot bite is that the fiber is too thick. If the fiber is brokenIt will make the meat bite easily.

However, it should be noted that it takes time for the baking soda to break the beef fiber, which means that there is a process. Generally, after the beef is marinated, it needs to be sealed in the oil and put in the refrigerator for two hours. It is best to use it once a day and one night.More tender.

But there is also an aging period, which is not to say that baking soda will work indefinitely. Wouldn’t it put aside a few more days of this bowl of beef into a pool of blood?

Baking soda also has the effect of allowing the protein in the meat to absorb more water. The more water the meat absorbs, the more tender it is.

If you don’t put baking soda, the water absorption of beef will be slightly smaller, and this is exactly what it does.

The last is the method of cured beef. It is best not to put the baking soda directly in the meat. It is not uniform and the effect is not good. The correct method is to mix all the seasonings of the cured meat, including water, and mix them in little by little.The meat until the beef is completely absorbed.

Finally, add some egg liquid and dry starch and stir well. The purpose is to add a layer of shell to prevent water from vomiting. Then seal it with oil for two hours and use it.

5. Stir-fry the main points of the beef and stir-fry until the color changes.

[How to make lead-free pine eggs]_Lead-free pine eggs_how to do_how to do

[How to make lead-free pine eggs]_Lead-free pine eggs_how to do_how to do

Songhua eggs are what we call preserved eggs, which can usually be purchased outside, but in fact, we can also make them at home, and the following are the methods and steps for making lead-free Songhua eggs. I hope everyone can learn by hand.

1. 100 eggs; 250 grams of soda ash, 675 grams of quick lime, 100 grams of table salt, 960 grams of plant ash, 100 grams of tea, and spices.

Also prepare chaff or sawdust for sticking to the appearance of ingredients.

(The above formula can be halved or proportional.) Selection standards: 2, egg shells are required to be clean, and there is a white or pink frost on the outside of the shell, no odor; soda ash requires the content of sodium carbonate should not be less than 90%;Quick lime requires no less than 75% calcium oxide, table salt contains not less than 90% sodium chloride, plant ash requires potassium carbonate, sodium carbonate must not be less than 75%, and tea requires powder.

3. Operation: Weigh all kinds of raw materials correctly according to the formula standard and spread them separately.

Then leave the tea unboiled for five to eight minutes and use the boiled tea water to boil the quicklime.

After removing the ash residue, add soda ash and mix well. Finally, add table salt and plant ash, stir into a paste, and use it.

When using it, it must be used with it to avoid reducing performance.

During the operation, the operator should wear latex gloves, use a spoon to take a small ball of about 30 to 40 grams, and put it on the left hand of the valley or sawdust.

Take one egg and gently turn the egg with both hands to make the egg shell evenly covered with 3 mm thick mud.

Then leave it for about ten minutes, put it into the container, and close it after filling.

Under the condition of 20-25 ℃, it can be matured in 7-8 days, and can be stored for 6 months without deterioration.

Mei Nian Health (002044): Income-end growth pressure continues to focus on improving endogenous growth

Mei Nian Health (002044): Income-end growth pressure continues to focus on improving endogenous growth
The event company releases its semi-annual report for 2019.In the first half of 2019, the company achieved revenue of 36.4.1 billion, a year-on-year increase after adjustment.93%, achieving net profit attributable to shareholders of listed 南京桑拿网 companies of 1683.780,000 yuan, a gradual decrease of 89 from the same period last year.40%. Brief comment on the company’s performance in the first half of 2019 continued to be under pressure, revenue growth accelerated, and profit growth improved.We expect that the front-end of the company’s revenue will be related to the recent strengthening of the quality recovery period of medical quality supervision and group inspection orders, and the decline in the growth rate of the profit-end will be related to the company’s continued expenditure and the strengthening of the quality control system. The sharp reduction in revenue growth has improved the overall scale effect, and profitability in the first half of 2019 needs to be restored.We expect that as the company continues to improve its service quality and medical quality level, the company will expend corresponding manpower and resources, resulting in increased costs.At the same time, the increase in the number of outlets of the medical examination center and the increase in the scale of investment, the increased demand for funds, and the corresponding increase in the scale of financing resulted in an increase in financial costs.With the coming of the peak medical examination season in the second half of the year, and the expansion of the company’s service capacity and product innovation, driven by volume and price, the company’s short-term profitability is expected to usher in marginal improvement. The company’s scale continues to expand, and actively expanding the inspection market is expected to become an important driving force for the company to achieve steady and endogenous growth.The number of group inspection orders in the first half of the year is still in the recovery period, and actively expanding the individual inspection market is expected to become an important driving force for the company to achieve long-term stable and endogenous growth. The short-term performance pressure was basically released, and the company’s January-September 2019 performance forecast brought steady expectations. Judging from the company’s development stage, it has entered a stable growth period, and its store age structure has an excellent growth foundation, which has become an important long-term logical support at present. Earnings forecast and investment recommendations are based on the revenue growth indicators for the first half of the year. At the same time, in order to support the development of the C-end, we expect the company to continue to inject more resources in medical quality management and personal inspection marketing in the second half of the year.Based on the January-September 2019 performance forecast, we adjust the 2019 net profit forecast range (-5.83%), 2019-2021 profit forecast to net profit 9.700 million, 11.9 billion, 14.500 million, corresponding to the current sustainable valuation P / E 46 times, 38 times, 31 times.We will follow up the business changes in the third quarter and update our judgment.From a long-term perspective, we continue to be bullish on the company’s long-term space and 成都桑拿网 maintain a BUY rating. Risks remind the social doctor-patient risks; medical risks; the expansion of the medical examination center and the off-site replication are not up to expectations; the risk of subsequent operations leading to gradual performance expectations; the risk of goodwill impairment; the risk of stock pledges; the liquidity risk of lifting restricted stocksRisks of capital requirements; risks of repurchase, fixed increase plan, and gradual anticipation of war investment plan.

Longji shares (601012): First-half results are in line with expectations 2020 production expansion plan accelerated

Longji shares (601012): First-half results are in line with expectations 2020 production expansion plan accelerated
The 2019 interim results are in line with expectations. 成都桑拿网 The annual results of 2019 announced by Longji Shares: revenue of 14.1 billion US dollars, an annual increase of 41%; net profit of the mother 20.10%, a year-on-year increase of 54%, in the middle of the Ford Express earnings increase of 50% -60%, in line with our and market expectations. Revenue growth was in line with expectations, and overseas component integration accelerated.The company’s interim report revenue increased by 41% annually, mainly benefiting from the increase in the external sales of silicon wafers, which increased by 69% to 13.500 million tablets. At the same time, affected by the company’s component sector’s strategy to improve quality and efficiency, the total component replacement volume in the first half of the year fell by 1% to 3.2 GW, which was affected by the increase in overseas market demand and the decrease in the number of new domestic installations. The overseas throughput ratio jumped from 26% to 83%, showing the rapid increase in the penetration of monocrystalline products in overseas markets.Gross profit margin continued to improve, driving high profit growth.The company’s net profit in the first half of the year increased 54% annually, which was higher than the growth rate of revenue.Among them, monocrystalline silicon wafers and module gross margins improved 3 quarters and 4 quarters in the second quarter, respectively.8 digits, above the highest hypothetical level.Therefore, we assume that the magnitude of the increase and the overall gross profit margin are 1.5 and 2.4 units. The development trend is accelerating. At the end of 2020, the three-year expansion plan will reach the target of 65 GW. The silicon wafer price will be under pressure in the fourth quarter of next year.The company also disclosed in its interim report that the 65 GW monocrystalline silicon wafer capacity of the Democratic Three-Year Expansion Plan will be reached by the end of 2020, one year ahead of the original plan by the end of 2021.We expect this accelerated expansion may boost the company’s 2020 silicon wafer reservation13.300 million pieces to 65.800 million wafers, so we raised our 2020 silicon wafer forecast. However, considering the expansion of Zhonghuan’s shares in advance, the total output of the two leading companies in the fourth quarter of 2020 will total 111 GW, exceeding 74% of global demand, which may have an impact on the price of single crystal silicon in the fourth quarter of 2020. Therefore, the price of silicon wafers is lowered3%. Earnings Forecasts and Estimates As a result of the upward adjustment of gross profit margin assumptions in 2019, we have raised our net profit in 2019 by 40% to 49.97 ppm; considering the extended impact of changes in gross profit margin and expansion of production speed, we raised our 2020 profit forecast by 49% to 64.04 billion.The current consensus is 20/2019/2020.2 times / 15.8 times price-earnings ratio.We maintain our Outperform rating and consider raising our profit forecast. We raise our target price by 22.9% to 33.50 yuan, corresponding to 24.3x 2019 P / E ratio and 19.0 times 2020 price-earnings ratio, compared with the previous inclusion of 20.1% upside. Risks Overseas PV demand is less than expected.

GAC Group (601238): short-term performance under pressure of new product cycle waiting to be reversed overnight

GAC Group (601238): short-term performance under pressure of new product cycle waiting to be reversed overnight

Event On October 29, GAC Group released the 2019 third quarter report.

The company gradually realized operating income of 426 in the first three quarters.

84 ‰, a decline of 19 per year.

19%; net profit attributable to mother 63.

35 trillion, down 35 a year.

75%; deduct non-net profit 43.

61 trillion, down 52 a year.


  Brief comment on short-term internal performance under pressure, sales continued to climb, and inventory status was healthy. The first three quarters of 2019 achieved operating income of 426.

84 ‰, a decline of 19 per year.

19%; net profit attributable to mother 63.

35 trillion, an annual increase of 35.

75%; deduct non-net profit 43.

6.1 billion, an annual decrease of 52.

7; Of which, the operating income of 19Q3 was 145.

61 ‰, a decrease of 9 per year.

65%; net profit attributable to mother 14.

16 ‰, a decrease of 51 per year.

95%; gross margin is 6.

1%, a decrease of 12 per year.

The essence of the 5pc, Q3 gross margin decline is due to the decline in the official price of GAC Passenger Cars and the decline in sales volume, and the impact of changes in the sales structure of the fifth and sixth countries.

From the financial point of view, the company’s new construction of the Guangzhou Automobile Passenger Car Yichang Plant and the new energy automobile industry park project have begun to launch, increasing the expenditure on fixed assets and construction in progress, intangible assets and development expenditures.

The USD 8.7 billion was mainly due to the increase in the development of prototype tools and the deterioration of the climbing stage of the new energy business, which caused the company’s overall net profit to be under pressure.

From the point of view of sales, the total terminal sales in the first three quarters of 2019 reached 1.52 million units, an increase of two in ten years.

68%, the previous industry average, the group’s overall inventory coefficient dropped to 1.

2. At a healthy level, GAC passenger cars and GAC Fick experienced the largest decline in inventory coefficient after three quarters of production and sales adjustments.

  Japanese cars are growing against the trend, and new energy performance is dazzling. From the perspective of the launch of new models of Chuanqi’s joint venture brands, Japanese cars have performed strongly, showing a trend of adverse growth under the replacement of the overall passenger car market. Guangben Guangfeng1September sales volume gradually completed 58.

380,000 and 49.

620,000 vehicles, a year-on-year increase of 10% and 17%, of which Guangben’s sales ranked 9th among all companies, Guangfeng’s sales ranked second in the industry, mainly due to the strong growth of star aircraft such as Accord, Camry, etc., in the future GuangbenGuangfeng also has a number of new products added to launch. Cooperating with the launch of new products, the company has added 12 lines of Guangben and Guangfeng this year. After the expansion, Guangben and Guangfeng will have standard capacity of 720,000 and 600,000.

In terms of new energy brands, GAC New Energy’s cumulative sales in the first three quarters.

20,000 vehicles, a year-on-year increase of 100%, the star model Aion.

S two months after listing, sales rose to the second place in the market segment, until the end of September the Eternal Tower.

S has delivered 1.

40,000 Aion released in October.

The LX has superior performance and a range of up to 650 km. If the capacity is released smoothly, it is expected to become a mid- to high-end explosion-proof pure electric passenger car. The company will launch 青岛夜网 at least two new models each year on the exclusive platform of GAC New Energy.

  In terms of independent brands, GAC Trumpchi took the initiative to downgrade its inventory in the first three quarters of this year. The inventory was reduced by 50,000 earlier, and the inventory coefficient dropped below 2. GAC Trumpchi will start a new product cycle this year. The new generation of Trumpchi GS4 is equipped with platform modulesIt became the first vehicle equipped with WeChat version of the vehicle, GS8 and Brand New 2.

Version 0 of GA6 will also be released during the year. By then, a large number of new products will try to boost the sales of GAC passenger cars and restore the long-term profitability.

  Gradually strengthen system reforms and gradually increase brand competitiveness to respond to the overall sales volume of the automotive industry. The company strengthened reforms to enhance brand competitiveness and strengthen the Group’s ability to control the profitability of products and businesses, resource control, digital business, and parts business finance.In addition, after vigorously adjusting personnel, after GAC passenger car personnel adjustments, dense organization terminals found and adjusted channel sales management strategies. Therefore, the new model terminal prices are stable, reducing channel rebates, no longer holding stocks, and gradually increasing terminal prices.The personnel adjustment aims to strengthen the performance control brought by the independent brand management, centralized resource coordination, independent brand product research and development, production and sales.  Investment suggestion At present, the industry’s destocking has been basically completed, and the inventory cycle will be entered. The vehicle segment will gradually increase, driving the company’s gradual development. The GAC Group’s product strength is strong. Sales volume is expected to continue to grow in the fourth quarter of the market.
In 2021, the net profit will be 8 billion, 9.5 billion and 11.5 billion, and the corresponding PE will be 14, 12, and 10 times, respectively. We believe that the company’s Japanese products remain strong, independent transformation, and optimistic about new energy vehicles, maintaining “buy”Rating.

  Risk analysis Macroeconomic downside risks; new car sales fall short of expected risks; risk of falling profitability.

Children who smoke second-hand smoke for a long time are susceptible to pneumonia

Children who smoke second-hand smoke for a long time are susceptible to pneumonia

Experts point out that smoking itself means “chronic suicide”, and the harm to people around you cannot be ignored.

A 2007 study showed that about 100,000 people in China die each year from second-hand smoke.

Among them, children are innocent victims.

Because of the physical characteristics of children, they breathe more air per kilogram of body weight than adults and absorb more pollutants.

The World Health Organization believes that second-hand smoke is “harmful by inhalation”. Because children are in the period of growth and development and have low resistance to harmful factors, the harm of second-hand smoke is even more serious.

  Without children’s age, “second-hand smoke” may weaken their lung function, increase the incidence of acute diseases, and increase children’s pneumonia, rhinitis, cystic fibrosis, and chronic respiratory diseases.

Children who are often exposed to “second-hand smoke” are also particularly prone to colds and sore throats. Infants and young children under the age of two who are exposed to “second-hand smoke” are prone to bronchitis and pneumonia.

In addition, there are many long-term hazards of second-hand smoke. Parental smoking is more likely to be a bad role model for children, leading to a rise in smoking rates among young people.