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Family education

It is good that children born in the forties and fifties can live, that children in the sixties and seventies can eat and wear warm clothes, and that children in the eighties and nineties can go to school. Now, if you just stay in the previous concept of parenting, it is a bit out. About reading, the most terrible thing is that teachers who don’t study are teaching hard and parents who don’t study ask their children to read good books, which is like driving without a license in spirit.

Then, when preparing to become parents, we should study our children hard. What problems should we pay attention to in the process of getting along with our children?

First, children have no concept of time. What we have to do is to teach children patience with enough patience.

Once I had dinner at my parents’ house, I happened to meet my sister-in-law’s family. Two children were arguing about watching TV. My sister in elementary school thought of a way and agreed with her brother: "Brother, you watch an episode, and I watch an episode. An episode is 20 minutes, okay?" At that time, my brother promised to be frank and said, "OK!" However, 20 minutes passed and an episode was finished. My brother said, "I haven’t finished watching it yet, so I won’t give it." My sister muttered, and my mouth was very unhappy. I thought my brother didn’t keep his word and couldn’t beat him, so I had to compromise and say, "It’s time to show you an episode at most, so I’m going to watch it." The younger brother replied unconcerned, "Hmm!" Later, as everyone expected, even when the time came, he still didn’t fulfill his promise. The frustrated sister couldn’t bear her brother who didn’t keep his word, so she grabbed the remote control with her brother and started watching her own program. Unexpectedly, her brother didn’t let it go, and they were once caught in a "war" …

If parents don’t understand the development of their children, they must think that this younger brother is importunate and will be given a lecture when he comes up, or parents who are partial to the boy directly blame his sister for not being tolerant. In fact, for an eager child, he thinks that 20 minutes and 20 minutes of adults are not a unit at all, and his 20 minutes may be eternity. So it’s not entirely my brother’s cheating, he just has no concept of time.

Then what we have to do is patiently help him to establish the concept of time. We can adjust the alarm clock and use the hourglass to stop when the time comes, so that he can know how long 20 minutes is after repeated perception.

Second, don’t label children who are exploring development as "bad behavior".

"Baby, don’t touch the hot kettle, be careful to burn your hands." "Baby, don’t touch the vase, it’s easy to break." … Do you often tell your baby this, but it’s not as good as you want? And the more you don’t let him do it, the more he wants to try it. When you’re not paying attention, he may have got into the kitchen locker and grabbed white rice and spilled it all over the floor. Things like this are telling you: he is thinking of a thousand ways to drive you crazy, but is this his real intention?

No, he just acts according to his age. He wants to know what it feels like to have a hot kettle. He wants to know what the sound of broken vases is. It turns out that the white rice in the kitchen feels like this. This is his process of actively exploring the world and seeking development. Not only can we not stop him. Also try to provide him with safe conditions, such as eggs, water, mud …

Third, children need security, love and a sense of belonging.

Undoubtedly, safety is the first thing we should ensure as parents or caregivers. Secondly, talk, interact, play and play games with your child, give feedback to any reaction of your child at any time, accompany your child with leisurely high quality, establish a healthy emotional connection, and gradually let your child have a sense of love and belonging. We also call it "safe attachment". The trust you built before the age of three will affect your child’s life development. For example, he will form healthier interpersonal relationships, become more independent and more confident.

Original title: "Family Education | Three Points to Pay Special Attention to in Raising Children"

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The outline of the long-term mechanism of the real estate market in the next city is gradually emerging.

  "Rent and sell the same rights" to the next city. On the 17th, Beijing issued the Notice on Accelerating the Development and Standardized Management of the Housing Rental Market in this Municipality (Draft for Comment). According to the notice, children of eligible tenants, including Beijing residents and non-Beijing residents, will enjoy compulsory education in their districts.

  In 2017, the real estate market in China ushered in a drastic change. Hot cities have stepped into the "five-limit" era with restrictions on purchases, loans, sales and businesses as the core, and the excessive rise in housing prices has been curbed. At the same time, with the expansion of the leasing market and the adjustment of land supply policies, the long-term mechanism of the property market has begun to break the ice and the outline is gradually emerging.

  Promote the "simultaneous purchase and rent" and land one after another.

  Beijing’s New Lease Policy released on the 17th pointed out that those who rent public rental houses and public houses directly under Beijing’s household registration can apply for registered permanent residence’s registration and relocation procedures according to the information registered on the housing rental supervision platform.

  For non-Beijingers, school-age children can receive compulsory education in the same district if they meet the conditions of continuous single lease and actual residence for more than 3 years, registration on the housing lease supervision platform, and legal and stable employment of one spouse in the district for more than 3 years.

  At the same time, a unified housing lease supervision platform and online trading platform will be established in the city. The leasing supervision platform will provide background data support for the online trading platform by linking the online trading platform, and the online trading platform will provide external services such as housing lease information release, online signing of housing lease contracts, housing lease registration and filing applications, transaction fund supervision, credit information inquiry of market entities, credit evaluation, etc.

  "In the past, both Beijing-born and non-Beijing-born people could only choose to receive compulsory education in their domicile or real estate. The new lease policy in Beijing is ‘ The same right to rent and sell ’ The best embodiment. " Zhang Dawei, chief analyst of Zhongyuan Real Estate, said.

  Beijing’s New Lease Policy also proposes that the people’s governments of all districts should strengthen the land security of rental housing according to the actual situation of each district, and increase the supply of rental housing by building rental housing on industrial parks and collective construction land according to the plan.

  At the end of 2016, the 14th meeting of the Central Leading Group for Finance and Economics emphasized that it is necessary to accurately grasp the residential property of housing, take meeting the housing needs of new citizens as the main starting point, take the establishment of a housing system with both rent and purchase as the main direction, take the market as the main direction to meet multi-level needs, take the government as the main source to provide basic protection, give priority to local areas, and take multiple measures, such as finance, taxation, land and market supervision, to form a long-term institutional arrangement, so that all people can live and live.

  In May this year, the Ministry of Housing and Urban-Rural Development publicly solicited opinions on the Regulations on the Administration of Housing Leasing and Sales. In July, nine ministries and commissions, including the Ministry of Housing and Urban-Rural Development, issued the Notice on Accelerating the Development of Housing Leasing Market in Large and Medium-sized Cities with Net Population Inflow, and selected 12 cities, including Guangzhou, Shenzhen, Nanjing, Hangzhou, Xiamen, Wuhan, Chengdu, Shenyang, Hefei, Zhengzhou, Foshan and Zhaoqing, to carry out housing leasing pilot projects in the first batch.

  At present, in addition to Beijing, Guangzhou, Foshan, Wuhan, Shenyang, Shandong, Henan and other places have issued pilot programs to accelerate the development of the housing rental market. Take Wuhan as an example. At present, the city has chosen Wuhan East Lake New Technology Development Zone and Wuhan Economic and Technological Development Zone as the pilot areas for housing leasing. The Wuhan Housing Security and Housing Management Bureau takes the lead in organizing relevant units, and according to factors such as enterprise operation scale, financial strength, operation ability and credit, no less than five state-owned enterprises, five private real estate development enterprises and ten housing leasing enterprises are selected as pilot enterprises for large-scale operation of housing leasing, so as to achieve the landing of housing leasing projects by the end of 2017, with 7,000 newly leased houses with an area of not less than 300,000 square meters.

  Adjustment of land supply mode has changed.

  From initial purchase restriction and loan restriction, to price restriction, sales restriction, and then to business restriction, the hot city property market has entered the era of "five restrictions". According to statistics from the Central Plains Real Estate Research Center, since the fourth quarter of 2016, there have been more than 60 large and medium-sized cities in China, and more than 160 binding real estate control policies have been introduced.

  In this context, the property market has turned from hot to stable, and the regulation policy has also shifted from restricting demand to increasing supply under the overall idea of "policy stability" and "checking for leaks and filling gaps".

  In Beijing, increasing the supply of land for 70-year-old residential property rental will provide nearly 20,000 suites. In Shanghai, two low-priced "rent only but not for sale" plots were launched, requiring the transferee to hold the leased housing property as a whole and continue to rent it out during the transfer period.

  The "Several Measures for Accelerating the Renovation of shantytowns (Draft for Comment)" issued by Shenzhen shows that Shenzhen will accelerate the promotion of "the implementation mode of shantytown renovation project led by the government+the implementation of state-owned enterprises+public housing" and support the construction of talent housing and affordable housing.

  The "Several Policies and Measures on Supporting Millions of College Students to Stay in China for Entrepreneurship and Employment" issued by Wuhan proposes to ensure the realization of the goal of "retaining 1 million college students in five years". It is understood that in the future, Wuhan will build apartments with talents of more than 500,000 square meters every year, and within five years, it will reach the total scale of apartments with talents meeting the rental needs of 200,000 people.

  "The land supply model has changed." Zhang Dawei predicts that the land supply in first-and second-tier cities will become more and more "price-limited+residential" in the future. Taking Beijing as an example, all residential land sold in 2017 will be price-limited or self-occupied. In this case, starting from the land supply, housing will be promoted to return to the residential property in an all-round way.

  In addition to increasing the supply of rental housing land, accelerating the entry of land into the market is also one of the policy directions. Previously, the Beijing Municipal Commission of Housing and Urban-Rural Development issued the Notice on Handling Pre-sale Permits for Commercial Housing Projects, and published a list of 389 in-transit projects, emphasizing that "13 million square meters of land has been acquired but not started, and 9.5 million square meters have been started but not entered the market". The in-transit commercial housing projects need to speed up the development progress and form a supply of commercial housing as soon as possible.

  Exploring the prototype of the long-term mechanism of the property market is gradually emerging.

  After two rounds of intensive regulation and control since September 30th last year, the real estate market in first-tier and hot-spot second-tier cities has entered a stage of "stable price decline", and the momentum of excessive price increase has been curbed. Mao Shengyong, spokesman of the National Bureau of Statistics, said that after this round of regulation and control, the current overheating situation of China’s real estate market has been cooled to a certain extent, and the overall operation is stable. The situation of excessive housing price increase in first-tier cities and hot-spot second-tier cities has been controlled, and the demand for speculative and investment housing has been greatly reduced; Real estate destocking in third-and fourth-tier cities has been effectively promoted.

  Mao Shengyong believes that in the later stage, we will increase regulation and control and pilot a long-term mechanism. He said that in the context of the pressure of rising housing prices in first-and second-tier cities and the high inventory in many third-and fourth-tier cities, especially county-level cities, it is time to strengthen the main responsibility of local governments and implement classified regulation according to local conditions. With all kinds of long-term mechanisms being tested and studied in various places and further expanded, the real estate market will usher in a more benign development in the future.

  "China’s real estate regulation and control ideas have moved from short-term to long-term." Kang Junliang, director of the Legal Department of China Real Estate Association, said that from the perspective of the real estate industry itself, a long-term mechanism is on the way. Including the nationwide networking of housing registration information and land registration information, the establishment of a sound and market-oriented housing rental system, the establishment of a classified and regulated land supply mechanism and land supply structure, and the real estate tax system under legislation.

  Kang Junliang said that information networking and real estate tax are basic systems. Through information networking, we can grasp the base and improve the pertinence and effectiveness of future policies. Real estate tax has a direct regulatory role in curbing excessive investment and speculation; Under the premise that the land supply and lease system will establish the dual-track system of market and security, the effective integration of housing market and housing security will be realized.

  Kang Junliang said that in the future, the long-term mechanism of the property market will be gradually improved and formed, and localities will conduct pilot projects according to their own conditions. For example, it is the general trend for the pilot of residential leasing to expand from the previous 12 pilot cities.

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Guangxi Branch of China Construction Bank: Finance Helps Transformation and Upgrading of Agricultural Batch Farmers’ Market

  In recent years, Guangxi Zhuang Autonomous Region Branch of China Construction Bank (hereinafter referred to as "Guangxi Branch of CCB") has built a brand of "Yunong Market", created an exclusive ecological scene to serve the agricultural market, and helped transform the traditional market and upgrade the circulation system.

  Comprehensive service to solve problems

  Dancun Market is one of the large-scale comprehensive vegetable markets in Nanning, with about 3,000 merchants and an average daily passenger flow of over 30,000. Because the market has not been upgraded for a long time, it has brought a series of problems. For this reason, Guangxi Branch of CCB quickly formulated the comprehensive service plan of "Yunong Market" exclusive to Dancun Market, solved the problem of intelligent accounting and reconciliation of market funds with innovative products of "Huishibao", and solved the financing demand of merchants with inclusive finance products such as "Merchant Cloud Loan" and "Bagui Rural Commercial Loan".

  At the same time, Guangxi Branch of CCB cooperated with market participants and local promoters to solve the problem of "running orders" in the market through WeChat appeal, and used holidays such as "May Day" and National Day to carry out activities of full reduction of merchants’ consumption, effectively offering preferential treatment to customers and stimulating the increase of the overall amount of orders received.

  "Since the cooperation with CCB, more than 1,700 booths in the agricultural trade area of our market have continued to reach full rent, the satisfaction of merchants has increased from 93.5% to 98.3%, and the average number of vehicles entering the market has increased from more than 6,500 to more than 7,300." Tamura market staff said.

  Propaganda of staff sinking in Guangxi Branch of CCB (Photo courtesy of Guangxi Branch of CCB)

  Credit flowing water unblocks and keeps smooth.

  It is understood that Yulin’s annual spice trading volume is about 800,000 tons, and the annual trading volume is about 30 billion yuan. Yulin International Spice Trading Market is an intensive, integrated and all-category typical spice trading center in China, with a large number of spice merchants, various trading categories and huge trading volume. However, with the continuous expansion of the trade scale in the spice market, the problem of working capital of market merchants has become increasingly prominent.

  Yulin Branch of China Construction Bank faced up to the merchants’ problems in the spice market, set up a professional team, linked the market managers to fully meet the financing needs of the market merchants, and used inclusive credit products such as "merchant cloud loan", "good loan" and "fast mortgage loan" to focus on supporting the wholesale merchants in the spice market and the upstream and downstream enterprises in the supply chain of backbone merchants. And with the good reputation brought by high-quality credit services, we will expand new merchants and create a virtuous circle.

  At present, CCB Yulin Branch has provided settlement and loan services for nearly 300 merchants in the spice market, with a loan amount of 270 million yuan, covering nearly 50% of the merchants.

  Financial empowerment digital transformation

  In August this year, Liuzhou Branch of China Construction Bank and Guangxi Xinliuyong Agricultural Products Wholesale Market jointly held the signing ceremony of the cooperation agreement on digital finance of agricultural products supply chain and promoting rural revitalization of "Yunong Market". Focusing on all customers and the whole chain of the market, the two sides gave full play to the advantages of CCB’s financial technology to jointly create a "digital vegetable basket" and empower the agricultural products supply chain by financial means.

  At the same time, Liuzhou Branch of China Construction Bank actively exerts the brand advantage of "Yunong Market" and provides market managers, merchants, small and micro enterprises and farmers with a package of comprehensive services covering facility agriculture project financing, inclusive finance, payment and settlement, deposit and wealth management, so that ordinary people can enjoy more benefits brought by digital transformation.

  "This cooperation with Liuzhou Branch will achieve more brilliant results in promoting rural revitalization, digital finance empowering agricultural product supply chain and brand development of’ Yunong Market’, so that the general public and merchants can enjoy more benefits brought by new financial technologies." The person in charge of the management of Xinliuyong market said.

  In the next step, Guangxi Branch of CCB will continue to focus on key agricultural markets and county-level specialized markets, and join hands with all parties to deepen the brand building of "Yunong Market" to create a new agriculture-related market with intelligent management, convenient financing and convenient transactions, and promote transformation, smooth circulation and revitalization with the help of finance. (Zhong Hongxin)