回到城里,他们把我送到小区门口。汽车拉着叁位同学离开。
2024年12月24日,这时还得是见多识广的江苏网友清醒。
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钟渭平指出虽然2022年各保险机构的商用车业态基本上呈现交强险盈利、大部分商业险盈利的状态但商用车保险业态并没有质的改变根据中汽协商用车专业委员会的调研目前保险机构在承保商用车业务时普遍存在关停险种、拒保、部分车型拒保、阶段性承保、加价、捆绑等问题这些问题往往是保险产物、风控、费率与商用车市场需求相脱节所导致的并进一步导致商用车行业用户对保险服务满意度评价持续走低因此推动保险机构在承保商用车领域业务的改革与创新十分迫切
人民财评:以金融支持促进住房租赁市场更好发展2024-01-13 10:40·上观新闻加大住房租赁开发建设信贷支持力度、支持发放住房租赁经营性贷款、完善住房租赁相关公司综合金融服务、稳步发展房地产投资信托基金……日前,中国人民银行、国家金融监督管理总局印发《对于金融支持住房租赁市场发展的意见》(以下简称《意见》),从加强住房租赁信贷产物和服务模式创新、拓宽住房租赁市场多元化投融资渠道等方面提出17条举措,支持加快建立多主体供给、多渠道保障、租购并举的住房制度,培育和发展住房租赁市场,促进房地产市场平稳健康发展。住房租赁是我国住房体系的重要组成部分,关系着多数新市民、青年人的切身利益,也是房地产市场平稳健康发展的重要一环。党的二十大报告提出,坚持房子是用来住的、不是用来炒的定位,加快建立多主体供给、多渠道保障、租购并举的住房制度。近年来,相关部门出台了多项支持住房租赁市场发展的政策措施,地方政府、经营主体积极参与,探索加大租赁住房供给,部分金融机构创新推出了相关金融产物和服务,取得了积极成效,形成了有益经验。当前,我国房地产市场供求关系发生重大变化,加快住房租赁发展成为房地产市场的重要趋势。从需求端看,随着流动人口的不断增加,城市住房需求日益旺盛,“重购买,轻租赁”的传统观念正在逐步被打破,租赁市场日趋活跃。从供给端来看,各地保障性租赁住房建设不断提速,一批品牌租赁公司快速发展,租赁房源持续增加、房源品质持续提升,租房市场走向“规范化、机构化”日渐成为行业发展的共识。金融是国民经济的血脉,也是优化资源配置的重要手段。满足经济社会发展对住房租赁的需求,支持扩大租赁住房有效供给,是金融业义不容辞的责任。然而长期以来,由于住房租赁行业周期长、利润较低,银行放贷意愿不高,相关融资渠道不畅,住房租赁公司面临融资成本高、融资渠道窄等融资难题。此次出台的《意见》,明确提出了建立健全住房租赁金融支持体系的要求,推动金融业为租赁住房的投资、开发、建设、运营提供多元化、多层次、全周期的金融产物和金融服务体系,有助于实现住房租赁市场的长期、健康、可持续发展。金融支持住房租赁市场发展,要明确重点和方向,推动住房租赁供给侧结构性改革。缺乏高质量供给是住房租赁市场存在的突出问题,金融业要把握行业发展方向,把支持的重点放在大城市,围绕解决新市民、青年人等群体住房问题,支持各类主体新建、改建和运营长期租赁住房,盘活存量房屋,有效增加保障性和商业性租赁住房供应。需求牵引供给、供给创造需求,住房租赁公司获得更多金融支持,就能够为新市民、青年人提供更多的房源、更好的服务,从而推动住房租赁市场供需关系实现更高水平动态平衡,促进房地产市场平稳健康发展。金融支持住房租赁市场发展,要以市场配置为主,大力创新金融产物和服务。住房租赁不是一锤子买卖,需要长期稳定的资金支持和持续经营的理念,金融机构要重点支持以独立法人运营、业务边界清晰、具备房地产专业投资和管理能力的自持物业型住房租赁公司,促进其规模化、集约化经营,提升长期租赁住房的供给能力和运营水平。同时,针对住房租赁多样化、长期化的金融需求,要持续加大金融服务创新力度,积极拓宽住房租赁市场多元化投融资渠道,支持创新相关金融债券、公司债券、担保债券等,实现信贷市场和资本市场协同配合、合理接续,满足各类经营主体的合理融资需求,推动金融与住房租赁市场的良性循环。实现住有所居,需要房地产市场和租赁市场协同发展。相信随着市场功能完备、结构均衡、竞争有序的金融支持体系建立和完善,我国住房租赁定能实现高质量发展,以高品质租住体验满足各类人群居住需求,为宜居宜业的美好生活添砖加瓦。栏目主编:秦红 文字编辑:李林蔚来源:作者:人民网-观点频道E9都不用出手,出个轮椅就弄你。
hubei7suinanhaijuanchushuangshenjiumu,taweishimeyaozhemezuo?yiyanlingrendongrong……shoufa2024-01-18 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