新年伊始，包括民用航空安全检查规则、央行关于信用卡业务有关事项的通知等多个新政策法规自今日 起实施。航班延误什么情况下需要旅客自理食宿？信用卡透支利率有啥新规定？如何挑选适合自己汽车 的油？……中新网为您逐一盘点解惑。 [信用卡：违约金取代滞纳金 ATM取现额升至1万] 《中国人民银行关于信用卡业务有关事项的通知》自今日起实施，新规定取消现行统一规定的信用卡透 支利率标准，实行透支利率上限、下限区间管理，其中上限每日万分之五，下限万分之三点五；取消透 支消费免息还款期最长期限、最低还款额标准及附加条件现行规定；取消滞纳金，由发卡机构和持卡人 约定违约金。 《通知》将持卡人通过ATM机办理信用卡现金提取的限额，由现行每卡每日累计2000元提高至1万元， 在柜面办理现金提取则可以不受此限。新规还首次要求发卡银行通过商业保险和计提风险补偿基金等方 式，对持卡人的非本人授权交易（盗刷）予以合理补偿，以保障持卡人权益。 [加油：90、93、97号汽油正式退市] 2017年1月1日起，国V排放标准将全面实行。根据新规，现行90号、93号、97号三个汽油牌号将正式退 市，89、92、95、98号汽油登上历史舞台。 油品升级 ...

一起来看看 转自：三亚发布 2026年1月起 一批新规将正式实施 它们将如何影响你我生活 ↓↓↓ 1 《三亚市政务服务管理办法》 2026年1月1日起施行 近日，三亚制定《三亚市政务服务管理办法》，旨在推进政务服务标准化、规范化、便利化，提升服务质量和行政效能，建设人民满意的服务型政府。本 《办法》自2026年1月1日起施行。 2 《三亚市规范发展互联网租赁自行车的 指导意见》2026年1月1日起施行 为促进互联网租赁自行车健康有序发展，鼓励引导公众绿色低碳出行，保障各方合法权益。近日，三亚印发《三亚市规范发展互联网租赁自行车的指导意 见》，自2026年1月1日起施行。 3 为失能人员提供保障！ 海南2026年起实施长期护理保险制度 海南省将从2026年1月1日起统一实施长期护理保险制度，职工从2026年1月1日开始缴费，居民在2025年集中征缴期与城乡居民基本医疗保险费同步缴费， 集中征缴期自2025年11月15日起至2026年2月28日止。同时，已参保的失能人员经评估符合条件的，统一在2026年4月1日起开始享受待遇。 4 海南出台知识产权质押融资新政 助力企业破解融资困局 近日，海南省知识产权局联合海南 ...

Group 1: Retirement Policy - The new policy will gradually raise the statutory retirement age for male employees from 60 to 63 years and for female employees from 50/55 to 55/58 years over a period of 15 years starting from January 1, 2025 [2][3] Group 2: Healthcare and Pharmaceuticals - A new national medical insurance drug list will be implemented on January 1, 2025, adding 91 new drugs, including 13 for rare diseases, bringing the total to over 90 rare disease treatments covered [5] Group 3: Food Safety - A new national standard for food additives will come into effect on February 8, 2025, aimed at enhancing food safety and encouraging product development by enterprises [7][8] Group 4: Consumer Protection - A judicial interpretation regarding prepaid consumption disputes will take effect on May 1, 2025, addressing issues like refund difficulties and invalidating unfair terms [9][10] Group 5: Marriage Registration - The revised marriage registration regulations will allow for nationwide processing without the need for a household registration book, effective from May 10, 2025 [11] Group 6: Housing Standards - New residential project standards will require a minimum building height of 3 meters, effective from May 1, 2025, to better meet the living quality demands of the public [12] Group 7: Labor and Employment - The Labor Ability Appraisal Management Measures will enhance convenience for workers starting January 1, 2025, by reducing redundant documentation requirements [17][18] - The classification of occupational diseases will be updated to 12 categories with 135 types, effective August 1, 2025, aligning with international standards [19][20] Group 8: Transportation and Technology - New safety standards for electric bicycles will limit the maximum design speed to 25 km/h, effective September 1, 2025, improving safety features [21] - From October 1, 2025, electronic invoices will be fully adopted in the railway and civil aviation sectors, eliminating paper travel documents [22][25] Group 9: Pension System - Adjustments to personal pension withdrawal policies will be implemented to enhance flexibility and meet diverse needs, effective from October 1, 2025 [23]

Summary of Conference Call Notes Industry Overview - The notes primarily discuss the bond market and the behavior of various financial institutions in 2025 and projections for 2026, focusing on the fixed income sector and insurance industry [1][2][3][5][6]. Key Points Bond Market Dynamics - In 2025, the total new bond investment reached 7 trillion, double the highest value in previous years, but did not significantly impact secondary market interest rates due to large banks primarily purchasing short-term government bonds to balance duration [1][3]. - Agricultural commercial banks faced regulatory constraints and a shift back to core lending activities, resulting in historically low growth rates in financial investments [1][3]. - Insurance companies showed a preference for equity assets over bonds, with new equity investments exceeding 900 billion, while bond investments were less than 300 billion. They maintained some allocation to long-term local government bonds but were reluctant to invest in government bonds, quickly selling off long-term bonds during interest rate declines [1][3][6]. - Fund leverage remained stable, but duration levels fluctuated significantly, with a cautious approach in the latter half of the year leading to substantial sell-offs of long-term bonds [1][4]. Projections for 2026 - The market is expected to see an increase in the proportion of rights products, with fixed income plus products likely to expand. Non-policy financial bonds may attract capital inflows, while policy-driven financial products may weaken [1][5]. - The insurance industry is projected to weaken further in 2026, with high dividend stocks becoming more attractive as they help mitigate duration mismatch issues. The demand for long-term government bonds is expected to decrease as the supply has already filled the duration gap [6][7]. - Regulatory changes are anticipated to impact operational strategies and asset allocation across various institutions, necessitating enhanced active management capabilities [5][10]. Risks and Market Changes - The bond market is expected to experience low volatility in the coming year, with net financing speeds for long-term government bonds remaining high. The large holdings by institutions could lead to significant impacts on the financial system if interest rates fluctuate [2][8][9]. - The central bank is expected to implement more precise controls to prevent systemic risks, with large banks playing a stabilizing role in the market [2][9]. Regulatory Impacts - Upcoming regulations, including fund fee reforms and new accounting standards for insurance companies, are expected to influence market behavior. Institutions may shift towards ETFs or similar products for liquidity management and focus more on long-term active management [10][11]. - The overall impact of new accounting standards on the insurance sector is expected to be limited, as many companies have already adapted to these changes [11]. Additional Important Insights - The insurance sector's capacity for equity asset allocation remains significant, with potential for an additional 3.7 trillion in equity investments, indicating a strong policy signal rather than strict constraints [7]. - The anticipated stability in traditional life insurance premium income is expected to persist, with no strong demand for bond purchases due to the lack of attractive investment opportunities [6][11].

Regulatory Changes in Food Safety and Transportation - The revised Food Safety Law of the People's Republic of China will take effect on December 1, 2025, mandating that road transport operators of key liquid foods must prominently display food-specific labels on transport containers and adhere to national regulations for container use and cleaning [1] - The new regulations for chain catering service enterprises will also be implemented on December 1, requiring headquarters to possess the necessary management capabilities and assume responsibility for food safety across branches and central kitchens [2] Electric Bicycle Regulations - Starting December 1, all electric bicycles that do not meet the new national standards will be banned from sale, emphasizing the importance of CCC certification for consumers [3][4] School Meal Transparency - The Campus Meal Service Management Guidelines will be enforced on December 1, requiring food processing operations to be integrated with an "Internet + Bright Kitchen" system, allowing parents and students to view key food processing steps [5][6] Resource Tax Regulations - New resource tax regulations will clarify that certain mined products used for project backfilling will not be subject to resource tax, effective December 1 [7] Medical Mask Standards - The revised national standard for medical protective masks will prohibit the use of breathing valves in disposable masks, effective December 1, ensuring they are equipped with a nose clip or equivalent design for a secure fit [8] Anti-Money Laundering Regulations - The Anti-Money Laundering and Counter-Terrorism Financing Supervision Management Measures will take effect on December 1, requiring financial institutions to submit annual reports by the end of March each year [11] Individual Business Credit Evaluation - The Individual Business Credit Evaluation Indicators standard will be implemented on December 1, aimed at assisting financial institutions in developing tailored financial products for individual businesses, thereby expanding loan accessibility [13] Environmental Regulations - New regulations in Beijing will ban the use of high-emission non-road mobile machinery starting December 1, promoting environmental sustainability [14] Vocational Education Development - The Liaoning Province Vocational Education Regulations will be enacted on December 1, encouraging the establishment of vocational colleges and expanding enrollment in applied undergraduate programs [16] Weather Modification Management - The Fujian Province Weather Modification Management Regulations will take effect on December 1, emphasizing the use of new technologies in weather modification for disaster prevention and agricultural safety [18] Historical Building Protection - The Shandong Province Historical Building Protection Measures will be implemented on December 1, detailing nine criteria for recognizing historical buildings [19] Food Security in Grain Production - The Henan Province Grain Security Guarantee Regulations will be enforced on December 1, focusing on enhancing the supply of quality and functional grain products [22] Data Flow Regulations - The Hunan Province Data Regulations will take effect on December 1, promoting orderly and efficient data circulation among individuals and organizations [23] Tourism Regulations - The Hainan Free Trade Port Tourism Regulations will allow for the establishment of all-night bars and entertainment venues in key tourist areas starting December 1 [25] Sanitation Worker Rights - The Sichuan Province Urban Sanitation Worker Salary Special Account Implementation Rules will be enacted, aiming to protect the rights of sanitation workers [27]

Group 1 - The article discusses the implementation of new national standards and regulations effective from December 1, which impact various industries including electric bicycles, food services in schools, and resource taxation [6][7][8]. - A new mandatory national standard for electric bicycles requires all "old national standard" models to be taken off the market, emphasizing the importance of CCC certification for consumers [6]. - The "Guidelines for Campus Catering Service Enterprises Management" mandates that food processing procedures must be publicly displayed through an "Internet + Bright Kitchen" system, enhancing transparency for schools, parents, and students [7]. - New regulations from the Ministry of Finance and the State Taxation Administration clarify that certain mined products used for construction projects will not be subject to resource tax, streamlining the taxation process for these materials [8]. Group 2 - The revised national standard for disposable medical protective masks prohibits the use of breathing valves, ensuring that masks are equipped with a nose clip or an alternative design for better fit [9]. - Financial institutions are required to submit an annual anti-money laundering report by the end of March each year, as per the new regulations effective from December 1 [10]. - The new national standard for individual business credit evaluation aims to assist financial institutions in developing tailored financial products for individual businesses, thereby increasing loan accessibility and precision [12].

Group 1 - The new Food Safety Law will take effect on December 1, requiring transport operators of key liquid food to prominently display food-specific labels on transport containers and to clean them timely, prohibiting the transport of non-food items [2] - Starting December 1, all electric bicycles sold must comply with the new mandatory national standards, with old standards being phased out, and consumers are advised to look for CCC certification marks [4] - The regulations for the supervision and management of food safety responsibilities in chain catering enterprises will be implemented on December 1, mandating that chain businesses identify a headquarters with the necessary management capabilities [5] Group 2 - The revised mandatory national standard for medical protective masks will be implemented on December 1, prohibiting the use of breathing valves in disposable medical masks and requiring designs that ensure a secure fit [6] - The Market Supervision Administration's Credit Repair Management Measures will take effect on December 25, enhancing the credit repair system and encouraging parties to correct violations [8] Group 3 - The subsidy distribution method for elderly care in Shaanxi Province will be effective from December 1, providing monthly subsidies of 50 yuan for those aged 70-79, 100 yuan for 80-89, 200 yuan for 90-99, and 300 yuan for those aged 100 and above [10] - The Data Regulation in Hunan Province will take effect on December 1, prohibiting businesses from engaging in unfair competition and monopolistic practices using data [12] Group 4 - The Tourism Regulation in Hainan Free Trade Port will be implemented on December 1, promoting the development of nighttime economy and allowing for extended operating hours for various businesses in key tourist areas [14] - The Guangzhou Housing Safety Management Regulation will take effect on December 1, imposing penalties for unauthorized renovations that compromise safety standards [16]

Group 1 - The new regulations for bulk transportation of liquid food aim to enhance food safety and hold chain restaurants accountable for food safety management [1][2] - Starting December 1, the old national standard for electric bicycles will be completely phased out, requiring all electric bicycles sold to comply with the new mandatory national standard GB 17761—2024 [2][3] - The new credit repair management measures will expand the scope of credit restoration for restructured and reconciled enterprises, improving the efficiency and process of credit repair [3] Group 2 - The revised national standard for medical protective masks prohibits the use of breathing valves in disposable medical masks, effective December 1 [3]

Group 1: Regulation of Payment and Insurance Sectors - The People's Bank of China and the National Financial Regulatory Administration issued the "Management Measures for Bank Card Clearing Institutions," effective from November 1, 2025, aimed at promoting the healthy development of bank card clearing institutions and ensuring orderly market operations [2] - The "Notice on Strengthening the Supervision of Non-Motor Insurance Business" will also take effect on November 1, 2025, focusing on enhancing the regulation of property insurance companies' non-motor insurance business to promote rational competition and high-quality development [3] Group 2: Tax Policy Adjustments - The announcement regarding the adjustment of the Hainan duty-free shopping policy will expand the range of duty-free goods from 45 to 47 categories, effective November 1, 2025, allowing departing travelers to enjoy the duty-free policy with an annual limit of 100,000 RMB [4] - The announcement on adjusting VAT policies for wind power and other sectors states that from November 1, 2025, to December 31, 2027, a 50% VAT refund policy will be implemented for electricity products generated from offshore wind power [5] - It is also specified that nuclear power units approved after November 1, 2025, will no longer be subject to the VAT pre-collection and post-refund policy [6]

Core Points - The article discusses various new regulations and policies that will be implemented starting November 1, 2023, across different sectors in China, aiming to enhance efficiency, safety, and compliance in various industries. Group 1: Automotive and Transportation - The new regulation for the registration of domestic passenger cars will allow for a fully digital process, eliminating the need for paper documents [1] - The regulation on oil and gas pipeline facilities ensures fair and non-discriminatory access to services for qualified users [6] Group 2: Legal and Regulatory Framework - The implementation of the Law on Legal Publicity and Education mandates that government agencies take responsibility for legal education in accordance with their enforcement duties [2] - The new management measures for network security incidents require operators to report significant security events following a specific classification guideline [3] - The Internet Court will now handle additional types of cases, including those related to data rights, personal information protection, and unfair competition [9] Group 3: Health and Safety - The updated national standard for identifying major fire hazards has increased the criteria from 10 to 30, focusing on high-risk areas such as public entertainment venues and hotels [8] - The new public health emergency response law emphasizes enhanced monitoring and information sharing across departments [11] Group 4: Financial and Insurance - The new regulations for non-auto insurance require companies to adhere strictly to approved insurance terms and rates, ensuring consistency between documented and actual practices [12] - The new management measures for bank card clearing institutions aim to promote orderly competition in the market [4] Group 5: Social Welfare and Employment - The revised Shanghai regulation allows caregivers of hospitalized elderly individuals to take up to five days of leave per year [13] - The new measures in Ningxia will provide employment assistance to farmers affected by land acquisition, including vocational training and loan benefits for entrepreneurs [26] Group 6: Environmental and Technological Standards - The new lithium-ion battery coding rules will assign unique identification codes to all new batteries, facilitating lifecycle management and regulatory oversight [5] - The updated regulations in Chongqing will prohibit certain high-emission vehicles from entering the city center to improve air quality [14] Group 7: Miscellaneous - The adjustment of the duty-free shopping policy in Hainan expands the range of eligible products for travelers [24] - The new regulations in Yunnan prioritize the rental of domestic electric vehicles for public service use [22]