为何我国不降房价？坦白说，"真实原因"有4个，听完"恍然大悟"！ 最近房价这事儿，可以说是沸沸扬扬的。很多人都在问，为啥调控这么久了，房价就是不大幅下跌呢？说实话，这背后的 原因比我们想象的要复杂得多。 据说内部有个不成文的规定， 房价绝对不能暴跌 。为什么？听完这4个真实原因，你就恍然大悟了。 第二个原因：地方政府的钱袋子 这个说得直白点，就是土地财政的问题。很多地方政府，30%以上的收入都来自卖地。你说房价跌了，地价能不跌吗？地价 跌了，地方财政收入就少了。 没钱了怎么办？公务员工资发不出，基建项目停工，民生保障也得打折扣。这不是开玩笑的事儿。 据内部人士透露 ，有些城市已经出现了财政紧张的苗头。如果这个时候再让房价大跌，那真的是雪上加霜了。 第三个原因：金融系统扛不住 银行这边的压力也便开始显现。现在大部分老百姓买房都是贷款，如果房价暴跌，会不会掀起一波断供潮？ 第一个原因：整个经济都绑在房子上了 现实也是这样的，房地产这个行业，已经不是单纯的盖房卖房那么简单了。你想想，从水泥钢筋到家具家电，从银行放贷 到装修设计，这一整条产业链上，多少人在吃这碗饭？ 无疑也是一个巨大的就业蓄水池。如果房价真的暴跌，势 ...

习近平总书记2023年10月在中央金融工作会议上首次明确提出加快建设金融强国的宏伟目标，2024年1 月又在省部级主要领导干部推动金融高质量发展专题研讨班上进一步对金融强国的主要特征、目标指 向、实践要求等进行了深入系统阐述。党的二十届四中全会对"十五五"时期加快建设金融强国提出明确 要求、作出战略部署，为扎实高效做好"十五五"时期金融工作提供了基本遵循，必须深刻学习领会，不 折不扣抓好贯彻落实。 一、深刻认识加快建设金融强国的重大意义 加快建设金融强国，是以习近平同志为核心的党中央着眼于以中国式现代化全面推进强国建设、民族复 兴伟业全局，为我国金融事业发展擘画的壮阔蓝图，对于做好新时代新征程金融工作具有极其重大而深 远的指导意义。 加快建设金融强国是全面建成社会主义现代化强国的必然要求。实现社会主义现代化是由各领域分目标 耦合而形成的整体目标，建设金融强国与全面建成社会主义现代化强国之间是局部服从整体、分目标服 务于整体目标的关系。一方面，现代化强国必然是金融强国，金融是国民经济的血脉，是国家核心竞争 力的重要组成部分，是大国博弈的必争之地，社会主义现代化强国建设离不开强大金融体系的关键支 撑。另一方面，金 ...

Core Viewpoint - The article emphasizes the importance of accelerating the construction of a financial power as a strategic goal set by the Chinese government, which is essential for achieving high-quality financial development and supporting the overall modernization of the country [1][15]. Group 1: Significance of Building a Financial Power - Accelerating the construction of a financial power is crucial for the comprehensive modernization of the socialist country, as finance is the lifeblood of the national economy and a key component of national competitiveness [2][16]. - The construction of a financial power is necessary for promoting high-quality development, which is the primary task during the "14th Five-Year Plan" period [3][17]. - Financial security is integral to national security, and the absence of financial crises in China over the past 40 years highlights the importance of a robust financial system [4][18]. Group 2: Theoretical and Practical Requirements - Building a financial power is a pioneering endeavor that requires a systematic, innovative, and practical approach, guided by Xi Jinping's thoughts on socialism with Chinese characteristics [5][19]. - Six key financial elements are essential for a financial power, including a strong currency, a powerful central bank, robust financial institutions, an international financial center, effective financial regulation, and a talented workforce [6][19]. - The path to building a financial power must align with China's unique characteristics and experiences, distinguishing it from Western financial models [7][20]. Group 3: Key Tasks and Measures - Continuous improvement of the central bank system is necessary, including a dual-pillar framework for monetary policy and macro-prudential management [9][23]. - Financial services must be enhanced to support major strategies, key areas, and weak links, particularly in technology independence and green transformation [10][24]. - The health and stability of capital markets must be promoted by improving institutional inclusiveness and adaptability to new industries and technologies [11][25]. - Financial institutions and infrastructure must be optimized to ensure effective service to the real economy and enhance governance [12][26]. - The construction of an international financial center in Shanghai should be accelerated, enhancing its global competitiveness and supporting the development of a cross-border payment system [13][27]. - Financial regulatory capabilities must be improved to ensure comprehensive oversight and early risk detection [14][28].

习近平总书记2023年10月在中央金融工作会议上首次明确提出加快建设金融强国的宏伟目标，2024年1 月又在省部级主要领导干部推动金融高质量发展专题研讨班上进一步对金融强国的主要特征、目标指 向、实践要求等进行了深入系统阐述。党的二十届四中全会对"十五五"时期加快建设金融强国提出明确 要求、作出战略部署，为扎实高效做好"十五五"时期金融工作提供了基本遵循，必须深刻学习领会，不 折不扣抓好贯彻落实。 一、深刻认识加快建设金融强国的重大意义 加快建设金融强国，是以习近平同志为核心的党中央着眼于以中国式现代化全面推进强国建设、民族复 兴伟业全局，为我国金融事业发展擘画的壮阔蓝图，对于做好新时代新征程金融工作具有极其重大而深 远的指导意义。 加快建设金融强国是全面建成社会主义现代化强国的必然要求。实现社会主义现代化是由各领域分目标 耦合而形成的整体目标，建设金融强国与全面建成社会主义现代化强国之间是局部服从整体、分目标服 务于整体目标的关系。一方面，现代化强国必然是金融强国，金融是国民经济的血脉，是国家核心竞争 力的重要组成部分，是大国博弈的必争之地，社会主义现代化强国建设离不开强大金融体系的关键支 撑。另一方面，金 ...

Core Viewpoint - The central argument is that the recent actions by the central bank against stablecoins are not merely routine measures but a proactive strategy to prevent the outflow of Chinese capital to the U.S. through these digital assets, which are seen as a threat to financial stability [2][20][32]. Group 1: Characteristics of Stablecoins - Stablecoins are perceived as tools that bypass the Chinese financial system, functioning as a shadow dollar system that avoids regulatory oversight [5][11]. - Key features of stablecoins include their direct peg to the U.S. dollar, rapid transaction speeds, anonymity, and the ability to facilitate cross-border transactions without institutional oversight [7][9]. - The use of stablecoins allows individuals to transfer funds abroad without engaging with official financial institutions, posing a significant risk to the Chinese financial system [11][20]. Group 2: U.S. Perspective on Stablecoins - The U.S. views stablecoins as a means to reinforce the dominance of the dollar globally, allowing for more flexible and discreet transactions that do not rely on traditional banking systems [13][15]. - The proliferation of stablecoins enables the U.S. to maintain its financial hegemony, as more countries using stablecoins increases their reliance on the dollar [17]. - Stablecoins serve as a rapid conduit for capital to flow into the U.S. market, especially during financial instability in other countries, circumventing local capital controls [18][20]. Group 3: Regulatory Response in China - The central bank's recent shift from risk warnings to strict regulations reflects a recognition of the rising illegal activities associated with stablecoins, including money laundering and fraud [21][24]. - There has been a notable increase in the use of stablecoins for cross-border transactions, prompting concerns about their role in facilitating capital flight [24][27]. - The decision to blacklist stablecoins is framed as a necessary measure to protect financial sovereignty and prevent external forces from undermining the Chinese financial system [29][31].

Group 1 - The core viewpoint of the article emphasizes the stringent regulatory measures taken by the Chinese government regarding virtual currencies, particularly stablecoins, which are now classified alongside Bitcoin as high-risk assets [1][2][3] - A significant meeting led by the People's Bank of China involved thirteen ministries, marking a notable escalation in regulatory oversight compared to previous actions in 2021 [1] - The legal status of stablecoins has been clarified, categorizing them as virtual currencies and denying their status as legal tender, which impacts both private trading and institutional pilot programs [1][2] Group 2 - The article outlines three major risks associated with stablecoins: their use in financial crimes, facilitation of cross-border capital outflows, and potential threats to monetary sovereignty [1][2][3] - Financial crimes involving stablecoins have surged, with 47 reported cases in 2025 alone, amounting to 5.6 billion yuan, a 120% increase from the previous year [1] - Stablecoins are identified as a "grey channel" for cross-border capital movement, undermining foreign exchange controls and posing challenges to regulatory frameworks [2] Group 3 - The global market for stablecoins has reached a total market value of 255 billion USD, with 99% denominated in USD, indicating a concentration of risk among a few major players [3] - The potential for systemic risk is highlighted, particularly with Tether's significant holdings in U.S. Treasury bonds and gold, raising concerns about transparency and the risk of global financial market volatility [3] - The article warns that the dominance of stablecoins pegged to the USD could threaten monetary sovereignty in emerging markets, including China [3] Group 4 - Recent market movements, such as Hong Kong's suspension of stablecoin initiatives, reflect the regulatory tightening and its impact on the market [4][5] - The article notes that despite the central bank's assertion that it will not directly affect Hong Kong's stablecoin market, indirect impacts are anticipated due to increased compliance pressures [5][6] - The regulatory landscape is shifting, with a clear delineation that only central bank-sanctioned digital currencies will be permitted in the mainland market, effectively excluding other stablecoins [4][5] Group 5 - The article concludes that the priority is on risk prevention, with a clear policy boundary established to mitigate the risks associated with stablecoins [5][6] - Regulatory measures will focus on banning stablecoin trading and related services, enhancing monitoring of financial flows, and addressing misleading promotional practices [6] - The anticipated slowdown in Hong Kong's stablecoin market development is attributed to increased compliance costs and regulatory scrutiny, affecting capital inflows from mainland China [6]

Group 1: Strategic Resource Accumulation - The article discusses the importance of national strategic resource accumulation, particularly in uncertain global conditions, to ensure wealth security for the country and its citizens [1][8] - China has significantly increased its gold reserves, reportedly more than doubling them over the past decade, with unreported purchases potentially exceeding public data by over ten times [3][5] - The accumulation of gold serves as a financial safety net, especially during times of geopolitical instability and fluctuating trust in the US dollar [5][13] Group 2: Oil and Food Security - In the first ten months of the year, China imported 3.462 billion barrels of oil, accounting for 10% of global supply, which is more than Saudi Arabia's daily production [9][11] - China is constructing 11 new oil storage facilities, ensuring that the country can maintain normal operations for six months without imports, surpassing the international safety standard of three months [11] - The country has established standardized grain storage facilities with a total capacity exceeding 730 million tons, sufficient to feed over 1.4 billion people for more than two years [13] Group 3: Investment Opportunities - The article emphasizes the need for individuals to align their investment strategies with national resource accumulation, focusing on stability and gradual growth [13][21] - Two investment categories are highlighted: high-dividend assets, which provide stable cash flow and lower risk, and technology stocks, particularly those aligned with national strategic plans [15][17] - The importance of a diversified investment approach is stressed, advising against concentrating all investments in one sector to mitigate risks [19][21]

一直以来，央行对储户办理大额现金的存取款业务都有较为严厉的监控，主要是为防犯洗钱，以及电信诈骗等不法行为。早在2022年初，监管部门就出台 了"个人存取现金超5万元需登记资金来源或用途"。为此，引发了社会各界激烈的争论，不少储户认为：存取大额现金是客户的自由，银行无权过问，否则 就是侵犯的个人隐私。而后来没过多久，央行等三部门又出公告因"技术原因"暂缓施行。 第一，去银行办理业务更加精准和高效 面对"个人存取现金超过5万元需登记资金来源和用途"的规定，部分储户存在抵触情绪。因为，这样"一刀切"的处理方式，既会泄露其个人的隐私，又因为 储户需要填写信息或提供证明材料，使其办理业务的时间延长了，这往往会导致客人的不悦。而现在银行不再"一刀切"地询问所有人，而是更精准的对高风 险存取款业务进行调查。这意味着，普通民众以后存取大额现金就方便多了。 第二，可以减轻银行职员的工作量 1 15 现在经常会有部分储户要办理大额存取款业务，如果要求所有储户在办理大额存取款业务时，都要填写信息、说明资金的来源或用途，以及提供证明材料， 这无疑会加重银行职员的工作量。而新规不再搞"一刀切式"的询问，采取的是"差异化"的处理方式，这 ...

Core Viewpoint - The new regulations aim to enhance financial security while balancing convenience for customers, particularly in the context of anti-money laundering efforts [2]. Group 1: Regulatory Framework - The People's Bank of China, along with financial regulatory authorities, has introduced a new management method for customer due diligence and transaction record retention, effective from January 1, 2026 [1]. - Financial institutions are required to securely maintain customer identity information and transaction records, ensuring the ability to reproduce each transaction for necessary investigations [1]. Group 2: Changes in Cash Withdrawal Regulations - The requirement for individuals to register the source of funds for cash withdrawals exceeding 50,000 yuan has been removed, aligning with previous drafts [2]. - Banks will no longer apply a blanket inquiry for all customers during withdrawals; instead, they will assess risk levels to determine the necessity of further questioning [2]. - For customers with low money laundering risk, such as many elderly clients, banks will primarily conduct basic identity verification without requiring additional documentation [2]. Group 3: Risk Management Measures - Financial institutions are mandated to implement enhanced due diligence measures for transactions associated with higher risks of money laundering and terrorist financing [2]. - The regulations emphasize that anti-money laundering efforts should focus on preventing misuse of the financial system rather than hindering legitimate financial activities of the public [2].

Group 1 - The core message of the article highlights the interconnectedness of recent events between China and the U.S., including gold repatriation, soybean trade, and discussions on AI chip exports, suggesting a nuanced approach to their relationship rather than outright reconciliation [1][10] Group 2 - China's gold reserves have increased for 12 consecutive months, surpassing 70 million ounces, as a strategy to reduce risk and stabilize its economic foundation amid global financial uncertainties [4] - The recent shipment of U.S. soybeans to China marks a significant moment in trade relations, indicating that despite political tensions, there remains a willingness to engage in mutually beneficial trade [6] - The ongoing discussions in the U.S. regarding the potential easing of AI chip export restrictions to China reflect the complexities of balancing national security concerns with economic interests, particularly for companies like Nvidia [8] Group 3 - The combination of gold repatriation, soybean purchases, and AI chip discussions illustrates a new phase in U.S.-China relations, characterized by pragmatic engagement rather than emotional ties, with both countries seeking to explore common ground while maintaining their respective interests [10]