Food, clothing, housing and transportation are the basic needs of life, among which "living" is regarded as just needed by many people. These two days, there was an interesting meeting, which was closely related to "living".

　　The video and telephone conference on accelerating the development of affordable rental housing and further improving the regulation of the real estate market held on the 22nd reiterated that the house should be used for living, not for speculation, and the real estate should not be used as a short-term means to stimulate the economy.

　　The positioning of "staying in the house and not speculating" continued to consolidate, which made many people eat "reassuring".

　　The picture shows a commercial house near Madang Road in Shanghai. Xinhua News Agency reporter Chen Fei photo

　　Whether buying a house, renting a house or building a house, it is inseparable from money. Therefore, real estate finance is a key link in the implementation of "housing without speculation".

　　In recent years, China has accelerated the establishment and improvement of a long-term mechanism for real estate financial management, especially under the guidance of the "three lines and four files" rule and the real estate loan concentration management system, many housing enterprises have become more cautious and self-disciplined, and the concentration of real estate loans and personal housing loans of banking financial institutions has steadily decreased.

　　In June, the sales price increase of commercial housing in 70 large and medium-sized cities showed a steady and declining trend as a whole; At the same time, at the end of June, the growth rate of RMB real estate loans in China dropped by 2.2 percentage points from the end of last year.

　　It can be seen that the regulatory policies, including real estate financial policies, have been effective, the real estate credit environment in some cities has changed, and the price increase has stabilized.

　　What is the "sharp weapon" that can make regulation so immediate? How do the "three lines and four gears" rule and the real estate loan concentration management system play a role? Come and get to know it.

　　To promote the stable and healthy development of the real estate market, first of all, real estate enterprises need to be healthy. However, some real estate enterprises are greedy for perfection and blindly expand, and the financial indicators of core operations are "red light", which also leads to the phenomenon of high leverage and high debt in the real estate industry.

　　In order to enhance the marketization, regularity and transparency of financing for real estate enterprises, in August last year, the People’s Bank of China, the Ministry of Housing and Urban-Rural Development and relevant departments formed the fund monitoring and financing management rules for key real estate enterprises, that is, the "three lines and four files" rules.

　　The "three lines" are actually "three red lines", which specifically refer to: the asset-liability ratio is greater than 70%, the net debt ratio is greater than 100%, and the cash short-term debt ratio is less than 1 times after excluding advance payments.

　　According to the situation of stepping on the line, real estate enterprises are divided into four grades: red, orange, yellow and green: the scale of interest-bearing liabilities of "red-file" enterprises cannot be higher than the existing level; The annual growth rate of interest-bearing liabilities of "orange file" enterprises shall not exceed 5%; "Yellow file" enterprises shall not exceed 10%; "Green file" enterprises shall not exceed 15%.

　　With a clear "three lines and four gears", housing enterprises must meet the corresponding requirements and constantly optimize financial indicators if they want to raise funds. This is equivalent to a "physical examination" of the financial health of housing enterprises to help them better improve their financial management.

　　Behind health is self-discipline. When the financing behavior of housing enterprises is more prudent and self-disciplined, the overall operation tends to be stable. Having tasted the sweetness, more and more real estate enterprises have joined the ranks of "self-discipline". At the beginning of the pilot, the central bank selected 12 representative real estate enterprises as the pilot targets, and at the beginning of this year it expanded to 30 real estate enterprises with large debts.

　　Zou Lan, director of the Financial Market Department of the People’s Bank of China, said that the "three-line and four-gear" rule is effective from the situation and reactions from all walks of life in the past year. The three core operating financial indicators of the pilot enterprises, namely, asset-liability ratio, net debt ratio and short-term cash debt ratio, have obviously improved, and the debt scale has steadily declined. Many other real estate enterprises outside the pilot also actively benchmark the rules and optimize their own business practices.

　　The picture shows a qionghai city resident passing by an advertising slogan in front of a bank. Xinhua news agency

　　In addition to keeping an eye on the demand side, financing management cannot ignore the supply side. In addition to monitoring and managing the liabilities of housing enterprises, the People’s Bank of China also strengthens the management of banking financial institutions — — Formulate the management system of real estate loan concentration.

　　The system sets "two red lines" for the balance of real estate loans and the balance of personal housing loans for different types and sizes of banking institutions. The former ranges from 40% to 12.5%, while the latter ranges from 32.5% to 7.5%.

　　As the saying goes, eggs can’t be put in one basket. Bank credit should also focus on structural optimization, which is not only related to the risk of the institution itself, but also of great significance to the healthy and steady development of the whole economy.

　　Since the implementation of the system, the concentration of real estate loans and personal housing loans of banking financial institutions has steadily decreased. The data shows that at the end of June, the growth rate of China’s real estate development loan balance and personal housing loan balance dropped by 3.3 and 1.6 percentage points respectively compared with the end of the previous year.

　　In Zou Lan’s view, while the real estate loan business is subject to certain constraints, commercial banks have put more energy into supporting small and micro, "agriculture, rural areas and farmers" and other weak economic links, while the proportion of loans in key areas such as manufacturing and technological innovation has been improved.

　　The data shows that at the end of June, the balance of China’s Pratt & Whitney small and micro loans increased by 31% year-on-year, and the growth rate was 18.7 percentage points higher than that of various loans in the same period; The balance of medium and long-term loans in manufacturing industry increased by 41.6% year-on-year, and the growth rate was 16.9 percentage points higher than the same period of last year.

　　The People’s Bank of China said that the next step will continue to adhere to the positioning that houses are used for living, not for speculation, implement a long-term real estate mechanism, constantly improve the "three lines and four files" rules and the centralized management system of real estate loans, do a good job in policy implementation, improve the resilience and stability of the financial system, and promote the balanced development of finance, real estate and the real economy.

　　To firmly grasp the key of real estate finance, we must continue to strictly implement the "sharp weapon" of regulation and control, manage the supply and demand ends of real estate finance, and make the regulation and control policies more precise, which will not only accurately crack down on real estate speculation, but also better meet the needs. (Reporter Wu Yu)

　　CCTV News:It happened in Wenshui County, Lvliang City, Shanxi Province on the 15th of this month. The cause was an elderly man who was critically ill in hospital. His family asked the doctor for help four times when he was in critical condition. Then the doctor on duty was too busy taking photos with colleagues in the whole department to rescue him in time. Finally, he was complained by his family and caused disputes. The day before, on the evening of July 14th, 84-year-old Kang Jinlian was admitted to Wenshui County People’s Hospital for treatment. But the next day (15th), Kang Jinlian died after being rescued. Family members believe that the doctors in this department only took photos collectively during the period, which affected the treatment, thus leading to disputes between doctors and patients.

　　The old man was hospitalized for sudden discomfort the next morning.

　　The reporter learned from Wenshui County People’s Hospital that at about 10 pm on July 14th, Kang Jinlian, a patient, was sent to Wenshui County People’s Hospital for treatment because of the symptoms of toothache and retching. After examination, Kang Jinlian, a patient, was placed in the intensive care unit of cardiology department for further treatment. After treatment by a doctor, Kang Jinlian’s body was not serious that night. At 9 o’clock in the morning on the 15th, the patient Kang Jinlian suddenly felt unwell, and the patient’s family immediately went to see a doctor.

　　The patient’s family, Mr. WuMy cousin started to call the doctor, and the doctor said you should wait.

　　Mr. Wu told reporters that his cousin saw all the doctors and nurses in the Department of Cardiology sorting out their clothes and preparing to take a group photo in a public area less than 10 meters away from the ward. A few minutes later, the patient Kang Jinlian felt very uncomfortable again, so the patient’s family looked for a doctor again.

　　The patient’s family, Mr. Wu"I didn’t know who my third aunt was the second time, so I ran to call the doctor, and the doctor still said wait."

　　The monitoring shows that the doctor takes pictures for about 20 minutes.

　　Subsequently, the reporter also saw from the surveillance video of the day provided by Wenshui County People’s Hospital that at 9: 14 am on July 15, all the staff of the Department of Cardiology began to walk out of the ward area and began to take group photos. The photographing process lasted until 9: 35, and the whole process lasted for nearly 20 minutes.

　　Mr. Wu told reporters that during this time, they repeatedly called the doctor four times. Until the last time, when they saw that they were emotional, the attending doctor began to go to the ward to give first aid to the patient Kang Jinlian.

　　At 12: 36 on the 15th, the patient Kang Jinlian died after being rescued.

　　The patient’s family, Mr. Wu: "What I am questioning now is that I don’t question others when I use drugs. I want to question him when I rescue them. First, you didn’t rescue our patients at the best time. Where have you been during this time? The doctor is taking pictures outside. The doctor doesn’t know the patient’s condition when taking pictures. It’s not that we called the doctor not to come. "

　　It took about 20 minutes for family members to take photos with doctors four times.

　　According to Mr. Wu, a family member, during the group photo of the medical staff in the department, the patient’s family members sought medical help for four times, and it took about 20 minutes before and after. Although the doctor later launched the relevant rescue, the old man still failed to rescue him. He was declared clinically dead at 12: 36 on the same day. So, why do doctors take pictures during working hours instead of saving people? Let’s take a look at the answers that CCTV reporters got in interviews with the hospitals involved.

　　Li Haiyun, president of Wenshui County People’s Hospital, told the reporter that the group photo was taken to make a brochure for the department of cardiology.

　　Li Haiyun, Dean of Wenshui County People’s Hospital: "Because the original introduction of the department of cardiology is gone, it needs to be re-made. The photo shoot was originally scheduled for Saturday, but it was changed to Monday due to other reasons such as insufficient staff. There are more people, so it won’t take long to change to Monday morning, and it will be finished soon. "

　　Li Haiyun told reporters that Kang Jinlian, a patient, was seriously ill at 10: 00 a.m. on the 15th. At 10: 10 a.m., the doctor began to rescue Kang Jinlian, and during the rescue, the patient’s family also found Li Haiyun, the president.

　　Li Haiyun, Dean of Wenshui County People’s Hospital: "I met the patient’s family at 12 o’clock on July 15, and they complained that there was a dispute and there were medical staff taking pictures in the middle."

　　Dean Li Haiyun contacted the local health and sports bureau and police station at 3 pm that day after communicating with his family.

　　Li Haiyun, Dean of Wenshui County People’s Hospital: "In the afternoon, witnessed by the Health and Sports Bureau and the police station, our doctors and patients sealed the surveillance video and sealed the patient’s medical records. On the afternoon of the 16th, the Provincial Medical Commission intervened to have a preliminary discussion with both doctors and patients."

　　As for whether the death of Kang Jinlian delayed the treatment because of taking photos, Li Haiyun, the dean, said that it is still under investigation.

　　Li Haiyun, Dean of Wenshui County People’s Hospital: "This medical commission has organized experts to conduct appraisal. I think the final result is still judged according to the final result of the medical commission."

　　Whether the death of the elderly is related to taking pictures remains to be investigated.

　　Whether there is a direct connection between the photos taken by doctors and the death of the elderly, the relevant departments have organized experts to carry out the appraisal, and the final result has to wait for the official investigation results, and there is no conclusion yet. On the evening of 25th, the Information Office of Lvliang Municipal Government responded to this matter through its official Weibo "Lvliang Release" and announced the handling of the responsible persons.

　　The Shanxi Provincial Health and Wellness Committee and the Lvliang Municipal Government Information Office have successively released them to the public, and the Jingshui County Party Committee, the county government and relevant departments have studied them. According to relevant laws and regulations, the relevant responsible persons in this incident have been dealt with seriously:

　　Ordering the deputy county magistrate in charge of the government to make a written inspection; Admonish the director of the county health and sports bureau; Give serious warnings to the party branch secretary and dean of the county people’s hospital; Give the vice president of the county people’s hospital a warning within the party; Give the head of the medical administration and medical management unit of the county health and sports bureau a warning within the party; Give a demerit to the director of the medical department of the county people’s hospital; Give the deputy director of the county people’s hospital office, the director of cardiology and the head nurse of cardiology dismissal; Give the attending physician and responsible nurse of the Department of Cardiology of the County People’s Hospital an administrative sanction to suspend their practice for one year; Give an administrative warning to a related doctor in the Department of Cardiology of the County People’s Hospital.

　　At present, a number of people involved have been dealt with.

　　At present, the Shanxi Provincial People’s Mediation Committee for Medical Disputes has organized expert appraisal on this medical dispute. The specific results have not been announced. Lvliang City also requires Wenshui County and relevant departments to do a good job in appeasement and condolences to patients’ families, do a good job in the aftermath according to the mediation results of the Medical Dispute Mediation Committee, and inform the health departments at all levels in the city of the results of this problem, demanding that we draw inferences from others and take a warning.

　　Can a doctor just take pictures and not save people?

　　In our general understanding, doctors are the first to save lives. However, the medical staff in this incident ignored the family members of patients who came for help and urged for four times, just to take a photo of the department brochure. The purpose of the brochure should be to show the professional image of medical staff, but it has lost the initial intention of saving lives. What kind of image does this publicity photo show?

　　Which is more important, taking pictures or saving people? There is no need to think at all! Now that the old man has been issued a critical notice by the hospital, the doctor should know the seriousness of the patient’s condition. However, in the face of family members’ four calls for help, they repeatedly shirked and put photos first. Such a thing happened in a hospital that raced against death against time, which made people angry. We should know that saving people is not only the first principle that medical institutions must follow, but also the basic responsibility of doctors.