Femorning Daily 21.9.2017 1. Economic Information Daily news,

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1. Shanghai Securities News reported, the data released by the People’s Bank of China last week show that as of the end of August, the balance sheet size of China"s monetary authorities was 34.7144 trillion yuan, 346.6 billion yuan less than the end of July, which was another balance sheet shrinking since March this year. The shrinking of the balance sheet in August was mainly a passive behavior of the central bank after the reduction of fiscal deposits. It did not mean tightening monetary policy, and had limited guiding significance for the direction of the monetary policy.

1、上证报消息，上周央行公布的数据显示，截至8月底，我国货币当局资产负债表规模为347144亿元，较7月底减少3466亿元，是今年3月以后的再次“缩表”。8月“缩表”主要是财政存款减少后央行的一个被动行为，并不意味着收紧银根，对货币政策走向的指导意义有限。

2. Official Weibo of the Ministry of Environmental Protection of the People"s Republic of China published articles that environmental protection should be placed in the first place. Previously, some places always put the tax revenue and employment in the first place and left alone the polluting enterprises to accommodate during environmental law enforcement, thus suffering from public criticism. Today, under the pressure of environmental policy, local government law enforcement began to be "harsh" and this is not a bad thing. Environmental protection is not a deal of meal treatment and we will always pay for its consequences. Faced with the "help" of enterprise, we shall not easily make concessions and thus is "iron fist for fighting with pollution" .

2、环保部官方微博发布文章称，环保，应当被放在第一位。此前，一些地方在环保执法中总是把税收、就业放在第一位，对于污染企业姑息迁就，从而饱受舆论诟病。如今，在环保政策的压力下，地方政府的执法开始“硬起来”，这绝非坏事。环保不是请客吃饭，总要付出代价。面对企业“求救”也不可轻易让步，这正是“铁腕治污”的应有之义。

3. Ministry of Land and Ministry of Housing and Urban-Rural Development of the People"s Republic of China jointly issued "Notice on the Relevant Issues of Housing Transactions and Real Estate Registration". For the historical problems of current real estate reunification registration, real estate registration agencies and housing transaction management departments should strengthen cooperation to promote the local government to properly handle the classification according to law and to solve the problem in a timely manner. The legalization of small property rights through real estate registration is prohibited and the second - hand housing and new commercial housing will be classified into a unified real estate market management to strengthen the monitoring, supervision and control.

3、国土部、住建部联合发布《关于房屋交易与不动产登记衔接有关问题的通知》，针对目前各地不动产统一登记后出现的历史遗留问题，不动产登记机构和房屋交易管理部门要加强配合，共同协商推动地方政府依法合规分类妥善处理，及时解决问题。防止小产权房通过不动产登记合法化，要将二手房与新建商品房纳入统一的房地产市场管理，加强监测、监管和调控。

4. Xinhua News Agency news, the virtual currency speculation is not a capital feast but high-risk gambling. Regulatory has warned of the virtual currency transaction risks many times and decisively banned the illegal financing. This is the maintenance of the order of the Internet finance as well as the protection of investors. Some alternative investments are still on the edge of the law. Regulators should actively monitor the trend and give investors full regulatory tips and risk warning.

4、新华社消息，“炒币”投机原本就不是资本盛宴，而是高风险的赌博。监管对于虚拟货币交易风险频频预警，对于非法融资更是果断叫停，是对互联网金融秩序的维护，也是对投资者利益的保护。一些另类投资仍游走在法律的边缘，监管部门要积极掌握动向，对投资者们进行充分的监管提示和风险预警。

5. Securities Times news, the "Notice on the Normalization of the Product Development and Design of Life Insurance Companies" that will be implemented on October 1 stops the product of "rapid return with universal insurance account” which is one of the important premium sources of the expanding insurance companies. In recent months, there have been life insurance companies in accordance with the new regulations to declare products and explore regulatory boundaries, but there have been many products hitting back. Visibly, in order to curb the insurance company expansion through the sale of "financial management" insurance products, regulatory has clear intent and resolute determination.

5、证券时报消息，10月1日即将实施的《关于规范人身保险公司产品开发设计行为的通知》，叫停“快速返还+万能险账户”类产品，而这类产品是保险公司冲规模的重要保费来源之一。近几个月陆续有寿险公司根据新规申报产品试探监管边界，但不断有产品被打回。可见为了遏制保险公司通过销售“理财化”的保险产品做大规模，监管的意图明确且意志坚决。

6. Economic Information Daily news, recently, learned from the National Development and Reform Commission, Ministry of Industry and Information Technology and other authorities exclusively that the Yangtze River Economic Belt will use the industrial base within the area, rely on the national and provincial development zones and industrial parks in Shanghai, Jiangsu, Zhejiang and other 11 provinces, jointly build the industrial chain covering the whole Yangtze River economic area in five areas such as electronic information and high-end equipment, form the industrial space layout adapting to the carrying capacity of resources and environment by guiding the transfer and agglomeration of related industries and develop five world class manufacturing industry clusters with the international advanced level.

6、经济参考报消息，日前从发改委、工信部等权威部门独家获悉，长江经济带将利用区域内现有产业基础，依托区内上海、江苏、浙江等11个省市的国家级、省级开发区和产业园区，在电子信息、高端装备等五大领域，合力承建覆盖长江经济带全域的产业链，通过引导相关产业转移集聚，形成与资源环境承载力相适应的产业空间布局，培育具有国际先进水平的五大世界级制造业集群。

7. E-House China R&D Institute published research report that since March, short-term consumer loans rose sharply year-on-year, significantly deviating from the steady rise of retail sales. It is expected the additional abnormal short-term consumer loan was about 370 billion yuan, and at least 300 billion yuan is estimated to flow to the property market. The monthly additional loans for personal consumption in Guangdong, Fujian, Jiangsu, Shanghai, Sichuan, Hebei showed a significant rise and 90% of new abnormal loans appeared in the 6 areas above, showing that the consumer loans in these regions flowed into the property market.

7、易居研究院发布研报称，3月以来，短期消费贷款同比走势大幅攀升，明显偏离稳中有升的零售额同比，预计新增异常短期消费贷款金额约3700亿元，估计其中至少有3000亿元流向楼市。广东、福建、江苏、上海、四川、河北等6地区的月度新增个人消费贷款都出现明显攀升，九成新增异常贷款出现在上述6个地区，说明这些区域有消费贷流入楼市现象。

8. China Insurance Regulatory Commission recently issued the "Plan for the Second-phase Project Construction of Issuing the Overall Framework of the Second-Generation Solvency Supervision System of China", putting forward to improve the regulatory rules to solve the untrue capital, complex transactions, unreal assets and multi-layer nesting of current insurance company which lead to the unclear underlying assets, opaque product, irrational placards, local liquidity risk, lack of security functions and other issues and system vulnerabilities.15147339418

8、保监会近日印发《偿二代二期工程建设方案》，提出完善监管规则，要重点解决当前存在保险公司资本不实、关联交易复杂、资产不实、多层嵌套导致底层资产不清、产品不透明、非理性举牌问题、局部流动性风险突出、保障功能发挥不足等问题和制度漏洞。

9. China. Org news, the last payment license which is required to merge by the People’s Bank of China was canceled recently. Payment licenses of 24 payment agencies have been cancelled because of serious breach of payment requirements, mergers or unrenewed etc. Only 247 payment licenses left out of the total of 271 license before. With the scarcity of payment license resources, the market price of the license has gone up, soaring to more than a billion for one.

9、中国网消息，近日，央行要求合并的最后一张支付牌照被注销，至此，已有24家支付机构因为严重违反支付规定、合并、不予续展等被注销《支付业务许可证》，271张支付牌照仅剩下247张。而随着资源的稀缺，市面上牌照的价格也水涨船高，飙升到十几亿一张。

10. Guangzhou municipal government issued "Implementation Suggestion on the Development of Assembly-oriented Buildings to Accelerate the Modernization of the Construction Industry". By 2020, the assembly-building construction area will have accounted for no less than 30% of the proportion of new buildings in all Guangzhou districts. The down payment ratio of commercial loans and personal housing accumulation fund loan for people who purchase commercial buildings has been determined as the minimum down payment ratio within the scope of policy implementation and the personal housing accumulation fund loan can increase according to the situation.

10、广州市政府发布《关于大力发展装配式建筑加快推进建筑产业现代化的实施意见》，到2020年各区实现装配式建筑占新建建筑的面积比例不低于30％。购买已认定为装配式建筑项目的商品房，商业贷款、公积金贷款首付比例按政策允许范围内最低首付比例执行，公积金贷款额度可视情况上浮。

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