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Zhou Xiaochuan: The overall effect of the policy response to the epidemic is good, and financial services need to be more grounded

Zhou Xiaochuan: The overall effect of the policy response to the epidemic is good, and financial services need to be more grounded
At the 2020 Tsinghua Wudaokou Global Finance Forum on May 16, Zhou Xiaochuan, president of the Chinese Finance Association and honorary dean of the Wudaokou School of Finance at Tsinghua University, said that the new crown epidemic was mainly an impact on small and medium-sized enterprises, resulting in unemployment and other impacts.In the past, there was not much preparation for thinking and research in the construction of financial institutions and financial systems. The replacement mechanism was not effective enough, and the implementation mechanism was lacking.He said that the epidemic is a very big challenge. How to make the financial markets and the financial industry provide more grounded financial services requires a better connection with fiscal policies. After all, the problems caused by the epidemic include, in addition to total demand and supply chain,The need for rescue functions.He suggested that there must be a clear-cut mechanism design that can be implemented to the grassroots level, and financial institutions should also strengthen their emergency functions.In addition, the clearer the risk-bearing mechanism, the more favorable the implementation. At the same time, there must be a good enough incentive mechanism to double-execute through a call or administrative order.Sauna, Ye Wang, Cheng Weimiao, editor Yue Caizhou and Mr. He Yanfu and Zhou Xiaochuan ‘s speech at the 2020 Tsinghua Wudaokou Global Finance Forum are very happy to participate in the Tsinghua Forum again. I also thank President Qiu Yong and Dean Zhang Xiaohui for their speeches.I hope that strengthening financial research will enable the financial system to overcome the targeted response to the new crown epidemic.In fact, I do n’t have much research, and I mainly hope to talk about it as an opening remark, hoping to arouse everyone ‘s understanding of the relevant challenges and research.First of all, it ‘s easy for me to talk about what Director Zhang Xiaoxiao said just now. China has issued quite a lot of policies related to macroeconomic policies and financial systems to deal with the epidemic. There have been many innovations in this area. Everyone has put in a lot of efforts and achieved quite good results.Results.The first is the timely and effective monetary policy on liquidity and price mechanism, some of which are policies to overcome the epidemic situation to boost total demand, and some are actually functions of bailout. It should be said that the overall effect is good.However, society ‘s expectations for the financial system are also relatively high. It is proposed that the monetary policy measures and mechanisms will be more effective, and the rescue of small and medium-sized enterprises and individuals affected by the epidemic will be more precise and targeted. At the same time, we must pay attention to saving ammunition and preventSubsequent anisotropy.We have also heard some opinions that need to be improved. Some said that some enterprises and individuals should be able to obtain financial support, but they did not get it, or that the amount they received was not enough; some also said that after seeing a part of the moneyAfter entering the asset market, this has also improved; again, there is also an observation that part of the funds have been idling between financial institutions, but are fully incorporated into the real economy. I think there are certain reasons for these statements, and it also shows that everyone hopes that the financial business community can play a greater role.Of course, there are also some concerns that loose liquidity may also have a certain replacement in the future. In addition, there may be a part of the “free ride” phenomenon, so that some enterprises and financial institutions originally have certain problems themselves.Has already surrounded the breakthrough, but they may also take the opportunity to say that it was caused by the new crown epidemic, so should they be rescued?This epidemic is a very big challenge. There is very little experience in history, but it does not mean that there is no reference material.I remember that during the “SARS” in 2003, we had similar financial policies and liquidity support, but we did see some undesirable phenomena happening, and one of them might enter the asset market.Therefore, in June 2003, the People’s Bank of China issued a “No. 121 Document”, mainly to appropriately restrict loans to the real estate market.At that time, there was a phenomenon called “fried property”, meaning that the building had not been capped yet, and it had been fired several times as a futures.In the fall of 2003, the People’s Bank of China increased its deposit reserve as a supplement, first of all, it also saw the credit expansion very fast.As of April 2004, there was criticism in the society that the expansion was too fast, which caused the supervisory agency at that time to temporarily freeze the final loan by the last week of April, causing some vibration in the society.In short, these are all within the scope that needs to be considered, and are the translations that we need to study.After all, the New Crown epidemic is different from the previous crises. The previous crises were often caused by economic factors to financial markets and financial institutions, causing problems for financial institutions and financial markets.This time it is mainly an impact on SMEs and an impact on employment. This phenomenon may be more obvious in some other countries.It should be said that our past financial institution and financial system construction and market-oriented reforms were aimed at the operation of the conventional economy, and also considered the situation of the financial crisis, but for the special situation of the new crown epidemic, we actually did not have much mental preparationAnd research preparation, resulting in the mechanism is not yet effective, the implementation mechanism is still lacking, so we may need to strengthen research in many ways.One of them is how to make financial markets and the financial industry more compatible with fiscal policies.Indeed, fiscal policy can play a role at this time, but we also know that the transformation mechanism of fiscal policy is not sufficiently effective and smooth. In the past, the main solution was to decompose the financial funds layer by layer. In the process, someInterception, embezzlement, and our existing financial institutions should be said to have close ties with the grassroots, so the concurrent and innovative ways that can be used to make the financial system better serve to overcome the epidemic.Of course, no matter whether it is a fiscal policy or a financial policy, it is impossible to be 100% effective. It is impossible to use 100% of the funds completely on the blade, and no interception or embezzlement will occur. This excessively high expectation value is unrealistic.In addition, we cannot reverse market-oriented reforms to advance relevant policies.In addition, we should also pay attention to whether financial institutions will have some problems in the quality of financial assets and the efficiency of financial markets in the process of supporting the overcoming of the new crown epidemic, so as to whether they will lead to the collapse of new financial markets and financial crises.This also requires the study of digits.We said that mechanism design and system reform are constantly being improved as we progress.According to past experience, in this case, we first need to have a clear mechanism design, so that the mechanism can be obtained and can be implemented to the grassroots level.Among them, some policies aimed at related industries that are particularly affected by the epidemic should also be further clarified and the crackdown on financial institutions can be implemented.In addition, in addition to the normal normal operating mechanism, financial institutions should also consider strengthening the emergency function so that they can promote the clarification of goals and principles during the emergency process, and thus in the process of responding to the new Crown epidemic.In addition, there must be a loss-taking mechanism.The clearer the loss-taking mechanism, the stronger the execution.In addition, a sufficiently good incentive mechanism should be designed. After all, after years of market-oriented reforms, the financial system is market-oriented and needs to be implemented through the financial incentive mechanism, but must overcome the call or administrative order.In addition, inspection and supervision mechanisms should also keep up.In general, we need financial services that are more grounded, that is, mechanisms that are more accessible to the policy formulation and implementation of the grassroots real economy, including the need to better integrate fiscal policies just mentioned. After all, becauseThe problems caused by the new crown epidemic, in addition to the total demand, supply chain and other issues, it also contains such a function that must be helped.It should be said that China and other countries have their own characteristics, that is, we established policy banks during the financial reform in the 1990s.Later, we divided the banking system into three areas, one is a policy bank, one is a development bank, and one is a commercial bank.In fact, what is a policy bank and what is a development bank are always controversial.Although it is said that we also issued documents in the past two years to make provisions, but this statement is not so convincing, and there is still a sense of “clamping raw rice”.Financial institutions have done a lot of work in the new crown epidemic, including extending loan terms, deferring interest payments, reducing debt, restructuring, reducing costs, etc. But we said that there are still many areas that need to be improved.From a financial point of view, if there is a policy demand, since China has a policy bank, or coupled with China Development Bank, it should be able to undertake some policy business to combat the epidemic.However, we recall that since the establishment of policy banks in the 1990s, including development banks that were later transformed, their functional designs were not designed in accordance with such emergency policy requirements, so they are divided by field.In order to prevent policy gaps from opening up, they are restricted to work in this area and allowed to expand.But in fact, this policy area does not have a clear boundary, and it has continuously evolved in the past 20 years of development, and some have become other content from the initial prediction to the present.Indeed, China ‘s policy banks and development banks are not particularly closely connected with the grassroots, and they have not been allowed to set up a large number of branches in the past. Therefore, if the outbreak is mainly due to the need to strengthen theIf supported, then our existing policy banks and development banks do not have the information advantage, and there are also problems in their implementation that may not be effective.In addition, the loss-bearing mechanism has never been thoroughly clarified.Nominally, policy business requires official approval from the government, and everything else can be understood as developmental business, but the government does not really take it for granted.In addition, their regulatory policies and principles are still not clear enough. At one time, some people supplemented the appropriate relaxation of regulatory standards. However, some problems and cases in the regulatory process have a “multiplier” with supervision and governance.The opportunity is relevant.However, we also have many innovative businesses appearing in policy institutions and development institutions, such as shantytown renovation, student loans, supporting related industries in the financial crisis, etc. Therefore, we say how to make good use of policy financial institutions and developmentSexual financial institutions are still an unfinished thesis.Mention student loans here. In the past, the method used by development banks was actually wholesale, not that it had no information advantages at the grassroots level, and had no traditions or specialties to merge into the grassroots level. But it can also be used as a wholesale agency.Do it.Finally, talk about commercial banks.The commercial banks have always been controversial.In the process of market transition, some temporary commercial banks are doing policy business, and restructuring policy business is in trouble. In addition, commercial banks have their own commercial interests, so they are worried about moral hazard.The burden is thrown to the government, saying that it is related to the government and the policy business.Of course, we believe that in fact, commercial financial institutions are not completely unable to implement policies. For example, in terms of financial policies, such as anti-money laundering, anti-terrorist financing, cash management, foreign exchange management, and some small and medium-sized financial institutionsThe problem requires other financial institutions to help supervise and rescue. These are actually policy-oriented content, and they are not completely consistent with the interests of commercial financial institutions, but if they are well designed, they areThe aspect can also be done well.So what we are better at is that, in an emergency, the first thing is to design the goals and principles and the scale of the policy more clearly, clearly, thoroughly, decomposed, and inspected and supervised.The second is to design an effective incentive mechanism, so that it can be better achieved through the market’s incentive mechanism.The third is the risk-bearing mechanism just mentioned, especially the ultimate loss-bearing mechanism.The final loss needs to be identified and there must be a clear commitment, including the need to have a bottom-up policy, so that the existing commercial financial institutions can have more clear policy guidelines in fighting the epidemic, so that they can playThe role of the role.Originally, I wanted to talk about the issue of overseas debt reduction, but I think it might be better for others to talk about it.In short, the new crown epidemic posed many challenges and many new papers. I hope that the Tsinghua University Wudaokou School of Finance, and even the entire financial community will take this opportunity to strengthen research work, analyze that we can make more improvements in certain areasMany reforms, armor will play a better role in future work, and in similar emergency situations that may occur in the future.Many of the opinions and suggestions I have spoken may not be mature for your reference.thank you all.■ Zhou Xiaochuan, President of China Finance Society, Honorary Dean of Wudaokou School of Finance, Tsinghua University

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[How to adjust the wine to drink well]_Drinking method_collocation

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[Bleeding after making love]_what to do_how to do

[Bleeding after making love]_what to do_how to do

Bleeding after having sex is a problem that exists in many women. If it is not because of bleeding or sexual intercourse damage caused by first sexual intercourse, it is likely to indicate that there is a certain gynecological mortality rate in women, usually cervical erosion and cervical polyps, Cervical cancer, endometriosis, pelvic inflammatory disease, etc., the emergence of these diseases, we must carry out active treatment, so as not to worsen the condition and seriously threaten people’s health.

1. 90% of women with cervical erosion have cervicitis.

Cervicitis is divided into three types according to the degree of cervical erosion: light, medium and heavy.

Those with moderate or more cervical erosion, the male penis glans rubs against the cervix during sexual life, which can cause injury and bleeding.

Because this kind of bleeding is small, it doesn’t flow out immediately, or it accumulates in the vagina. The color of the blood changes from fresh to stale.

So the next day, the blood was dark red.

2. Cervical polyps The long-term stimulation of the cervix by chronic inflammation can cause cervical polyps.

Out of bounds or multiple pedicled small granulation tissues at the cervix, which look like soybean sprouts, the larger ones are like fingers at both ends.

The thickness of the polyp is brittle and tender, and it bleeds when touched, so there may be bleeding after intercourse.

This bleeding is usually bright red.

3, bleeding after cervical cancer sexual intercourse is its earliest symptoms.

Due to the rupture of small blood vessels around cancerous lesions, the tissue is more fragile. Therefore, whenever sexual intercourse occurs, capillaries will bleed due to injury and rupture.

If the cancer develops further, bleeding is more likely.

4, some endometriosis endometriosis grows in the cervix, showing a blue-violet nodule.

If you encounter such blue-purple ectopic nodules during intercourse, it will cause bleeding.

The amount of bleeding is generally small, dark red, and abdominal pain often occurs after intercourse.

5, pelvic inflammatory inflammation of the pelvic cavity can make the pelvic congestion.

If the endometrium is congested and edema, the congested endometrial hemorrhage is reset after sex, but this opportunity is rare.

6, sexual intercourse injury The common part of sexual intercourse injury is the posterior vaginal curvature, which can sometimes cause a few centimeters long door, in severe cases can reach the peritoneum or penetrate the peritoneum to the abdominal cavity.

Some people mistakenly think that pressing gauze on the vulva or using some menstrual paper will stop the bleeding, which is actually useless.

Therefore, if this happens, you need to go to the hospital for examination and treatment as soon as possible. The gynecologist will take appropriate treatment measures according to the specific situation of the injury, such as gauze stuffing in the vagina or hemostasis with the intestine.

[Can pregnant women eat tofu brain]_Tofu brain_Pregnancy_Can I eat

[Can pregnant women eat tofu brain]_Tofu brain_Pregnancy_Can I eat

Everyone usually eats tofu brain. Tofu brain is a common snack at present, especially in the northern regions, because the differences between North and South are different, some are sweet, and some are salty.

Pregnant women have a unique taste during pregnancy. Occasionally eating tofu brain can promote gastrointestinal digestion, and can also prevent dental dysplasia and osteomalacia, thereby supplementing calcium, so pregnant women can eat tofu brain.

Can pregnant women eat tofu brain?

Let’s first understand the relevant knowledge of tofu brain.

Tofu brain, also known as old tofu, is a high-nutrient food made from soy protein.

The absorption rate of the human body can reach 92-98%. In addition to the protein content of tofu brain, it can also provide various types of vitamins and minerals for human physiological activities.

Especially when using gypsum as a coagulant, not only the finished product is more, but the calcium content is not added, which meets the human body’s need for calcium, and has certain effects on preventing disorders such as osteochondrosis and dental dysplasia.

Can pregnant women eat tofu brain?

Tofu brain is rich in protein, and it is a whole protein. There are also a large number of eight amino acids necessary for the human body, and the ratio is close to the human body. The nutritional value is high. It can reduce blood lipids, protect vascular cells and prevent cardiovascular diseases.

In addition to protein, tofu brain can also provide a variety of vitamins and minerals for human physiological activities, especially calcium and phosphorus.

After knowing the relevant knowledge of tofu brain, we can know that pregnant women can eat tofu brain, it can help pregnant women to supplement calcium and promote calcium absorption, but I have to remind you that you must have iron deficiency anemiaPregnant women should eat tofu brain less.

[How to make dry radish]_how to do_how to do

[How to make dry radish]_how to do_how to do

Radish is a vegetable food. There are many types of radish, some of which are water radish and dry radish.

There are many ways to make radish, and the taste should be very good.

Especially in winter, you should often eat dry radish, because the nutritional value of radish is also very high.

Radish is made according to people’s taste needs. What are the methods of dry radish?

Amount of ingredients for dry radish meatballs: dry radish, 1 onion, flour, egg, salt, 3 spoons of black pepper, ginger powder, method 1.

Turn the carrots into shreds with a cooking machine, sprinkle with salt and let stand for 10 minutes to kill the water 2.

Cut green onions for use 3.

Scoop the radish into excess water, add green onions, eggs, black pepper, ginger powder, flour, and stir well. The amount of flour can be chopped into balls without leaving the ball. You can put it a little bit.

Pour the oil in the pan, put more oil so that the meatballs do not sink to the bottom and stick to the pan, which is a bit expensive.

Knead the radish batter into balls one by one and put them in the oil pan.

When you eat, you can sprinkle some salt and pepper. The taste is excellent. Dry radish refers to red-skinned white heart radish. Because it is drought-resistant, it is also called dry radish.

Precautions for planting dry radishes: 1. Sowing should be timely.

According to northern China, the head radish and two radish dishes.

That is to say, when you are heading (mid-July to the end of July), radishes are grown.

It must be planted in autumn, when it is long enough, and it will bloom in spring.

Second, fertilization should be appropriate.

Radish should not be applied with too much nitrogen fertilizer.

You need to apply some potassium fertilizer, especially when you start growing up, you can’t lack potassium.

We use sheep manure as the bottom fertilizer, and moderately apply some quick-acting potassium fertilizer.

Because it is about to be consumed in the later period, it will not be fertilized.

Fertilizer can not be fertilized at the seedling stage. At this time, fertilization will be light and leaves will only be fertilized.

Second, the amount of watering should be appropriate.

Don’t be short of water during the seedling stage to ensure that the whole seedling is strong.

Do not use too much water in the later stage, otherwise it will grow crazy.

Hu Luobu should be the same as Bai Luobu, do not water too much during the follow-up, apply potassium fertilizer, do not apply nitrogen fertilizer.

[Can you eat tomatoes every day?]_Effect_Efficacy

[Can you eat tomatoes every day?]_Effect_Efficacy

Tomatoes contain a lot of citric acid and carotene. They have a certain effect on the suppression of melasma, but eating tomatoes every day may not correct the freckle effect, as long as the melasma is caused by the pigment that often stays up lateAccumulation, edible tomatoes can not decompose the accumulated pigments, so the best way to freckle is by laser or surface application.

Is it really relative to eat tomatoes? It is not so absolute. It just means that it is beneficial. It cannot be said to be effective. If so, then no one can buy beauty salons and anti-freckle drugs.

It ‘s good to eat more. It ‘s best to eat it raw and have the highest nutritional content. Do n’t peel it.

Tomatoes are rich in vitamin C and carotene, which can effectively improve the dryness of the skin. Regular use can make the skin smooth, soft, delicate and ruddy.

It has a very good freckle effect. I only used it once, and the teeth on my face became a lot lighter. Later, it was useless, but its color became lighter and lighter.

Can you eat tomatoes every day?

Promote the digestion of citric acid, malic acid and sugars in tomatoes, which can promote digestion, and lycopene can inhibit a variety of bacteria, and also has the function of helping digestion.

2.

Protect skin elasticity and promote bone development Tomato contains carotene, which can protect skin elasticity, promote bone calcification, and prevent pediatric rickets, night blindness and xerophthalmia.

3.

The biological salt produced by plasma cardiovascular cancer can be connected with the gastric fiber and replaced by the digestive system. Since the human body needs biological salt to break down intestinal feces, the human body needs to use supplementary biological salt to reduce the cholesterol content in the blood and act as an artery.Atherosclerosis; Vitamin B in tomatoes protects blood vessels and hypertension.

Tomato mask, tomato juice mask, material: fresh tomatoes.

Method: Juice the tomatoes and remove the residue.

Soak the mask paper in tomato juice and apply it to your face. Remove the mask and dry it.

After applying, you can find that the skin is more white and tender and ruddy, and the spots will fade gradually until you see it.

Tomato honey mask, material: half a tomato, the amount of honey.

Method: Wash the tomatoes and put them into a juice maker and grind them into a paste. Add an appropriate amount of honey and stir well.

Apply evenly to the board with a brush and wash it off with water after 20 minutes.

It is recommended to do it 1-2 times a week.

This whitening freckle mask is also suitable for oily skin, it can effectively remove greasy, lighten acne scars, and make the skin fair and delicate.

1 minute small action OL office shape

1 minute small action OL office shape

Nod: Straighten, feet apart, shoulder width, hands on hips, forward flexion (chin close to hips), back extension (head up and back), lateral flexion (ears close to hips), and rotation. Slow motion is required.In place, in some positions, you need to stretch it a little harder, there is a feeling of soreness, the effect will be better.

Do each quarter for about a minute.

  Pat the shoulder: Combine waist rotation with shoulder pat, right palm pat left shoulder and waist to turn left, and back pat waist and crotch, and vice versa.

Because there is a shoulder well acupoint on the shoulder, patting this acupoint can evacuate the breath, and activate the vitality and blood circulation.

  Twisting the waist: Same as the preparation position, with the thumbs in front and the remaining four fingers at the back, with the crotch to the right and left, and then you can do it clockwise or counterclockwise, turning slowly and forcefully.

  Skipping and skipping: Freehand skipping, hands and feet should cooperate and coordinate.

This action can activate qi and blood, speed up blood circulation, improve fatigue, and persist for about a minute.

  Kick and kick: Step on the spot, swing your upper limbs, straighten your lower limbs, tighten your toes, try to align with your lower limbs, and try to kick higher, just like you are walking forward while training.

  Comb and pull ears to shoot waist (finishing movement): use your fingers as a comb, comb your hair with the back of your nails, comb 30-50 times forward, then pull the ears, pull the tip of the ear 5 times, and then pull the earlobe 5 times, and finally rub the outermost20-30 times.

Then use the palms of both hands to pat from the waist to the heel, stretch from the calf to the sides of the navel, and pat 2-3 times to complete.

Mushrooms are a good helper for regulating plasma

Mushrooms are a good helper for regulating plasma

Studies have shown that mushrooms are nutritious, with their broth or meat umami, and can reduce the use of salt when cooking.

  With the advent of autumn and winter, mushrooms will soon be on the market.

The US Health website recently introduced several reasons why mushrooms have become a healthy diet.

  The unique umami mushroom itself has the umami flavor of the broth or meat, and because this umami is “pungent”, it can reduce the use of salt when cooking.

A study showed that using mushrooms to replace 80% of beef ingredients in burritos reduced the amount of salt used by cooks by 25% without changing flavor.

Vitamin D Contains Vitamin D The only plant source of vitamin D. The main source of vitamin D is skin exposure to sunlight, but it is also found in food.

Mushrooms contain a small amount of vitamin D in their natural ingredients.

  Nutrition experts who help control weight in American clinics have found that fungi are actually a low-energy food.

A study published in the American Journal of Appetite showed that participants who consumed mushrooms temporarily reduced their intake and thus produced more weight.

  A study conducted by Bangladeshi scholars that regulate plasma showed a correlation between edible mushrooms and decreased total cholesterol and triglyceride levels in participants.

As long as participants stop eating mushrooms, this will increase blood biochemical indicators and will rise.

Experts: Regular grains can help prevent cancer

Experts: Regular grains can help prevent cancer

Grain cereals are a “big family”, such as millet, corn, buckwheat, black beans, broad beans, red beans, mung beans and sweet potatoes, etc., are nutritious and rich in theoretical analysis. Grain cereals are more refined than refined flour and rice.Its nutritional value is even better, and it contains a lot of nutritional ingredients for health and longevity and auxiliary anti-cancer efficacy.

The longevity “grain rice” admired by the Japanese is a rice made from a mixture of rice, millet (millet), red beans, wheat and soybeans.

The nutritional value of “grain rice” is much higher and longer than that of rice cooked with a single grain.

  After long-term research by medical experts and nutritionists, it has been found that the content of trace elements, phosphorus, and vitamin B2 in corn ranks first in cereals. The trace content is more than double that of flour and rice.

The content of carotene is even more flour than rice.

Corn contains linoleic acid and vitamin E.

Can reduce cholesterol levels in the body, thereby reducing the occurrence of arteriosclerosis.

Corn is toxic to calcium. Scientists have shown that calcium deficiency is one of the causes of hypertension.

Corn is rich in Triglutathione, which is an anti-cancer factor.

The rich cellulose in corn can promote intestinal peristalsis, reduce the time for food to pass through the digestive tract, reduce the absorption of toxic substances and the stimulation of carcinogens to the colon, thereby reducing the incidence of colon cancer.

  In recent years, through in-depth research on foods to prevent cancer, anti-cancer experts have found that grains generally contain certain ingredients that cause auxiliary anti-cancer substances, such as soybean’s unique crystalline substance flavonoids, which are the nemesis of malignant tumors.

American cancer researchers have confirmed in animal experiments that flavonoids can prevent the spread of pain-relieving colon cancer, lung cancer, and esophageal cancer.

Grain cereals mainly contain vitamin E, which can destroy brain cells, thereby protecting the body and delaying the aging process.