谈及货币政策框架时，哈塞特反复强调，央行的制度独立性仍是美国经济稳定的重要支柱。他表示，无论外部环境如何变化，美联储都应在专业判断基础上 制定政策，而非受政治周期左右。若未来承担更重要的央行职责，他将以维护独立性、强化沟通透明度为首要原则，这番表态被认为是对近期市场担忧的直 接安抚。 在涉及美联储高层人事话题时，哈塞特态度相对克制。他指出，现阶段有多位具备丰富经验和市场信誉的人选，无论最终由谁执掌央行，都有能力在复杂环 境中维持政策连续性。这种"去个人化"的表述，被认为有助于缓和围绕潜在人选的市场猜测。 面对政策争议，美联储哈塞特阐述美联储立场与住房改革思路 在围绕美国宏观政策走向的讨论不断升温之际，白宫国家经济委员会主任哈塞特近日在接受福克斯商业频道采访时，系统性回应了市场最为关切的几个核心 议题。从美联储制度安排、司法调查，到住房金融改革与消费信贷政策，他的表态被外界解读为一次具有前瞻意味的政策释疑。 住房议题则是采访中的另一大重点。哈塞特透露，政府正在酝酿一项新的住房金融安排，核心思路是允许居民在购房时动用部分401(k)退休账户资金作为首 付，并探索将住房资产价值与退休储蓄重新挂钩的机制。相关细节仍在 ...

Group 1 - The independence of the Federal Reserve is deemed crucial for economic stability, with Hassett committing to uphold this independence if appointed as the Fed Chair [1] - Hassett acknowledged that Kevin Warsh and Rick Rieder would also be excellent candidates for the Federal Reserve Chair position [1] - Regarding the investigation into the Federal Reserve's headquarters construction cost overruns, Hassett expressed that there would likely be no significant findings impacting the Fed's operations or Chair Powell [1] Group 2 - Hassett announced that Trump will unveil a significant housing finance plan at the World Economic Forum in Davos, allowing individuals to use part of their 401(k) retirement funds for home down payments [2] - The plan aims to enable homebuyers to withdraw funds from their 401(k) accounts for down payments while allowing a corresponding portion of home equity to be reallocated back into their retirement accounts [2] - The government is currently in discussions with major banks regarding credit card issues, hinting at the introduction of powerful new credit card offerings without the need for Congressional legislation [2] - Hassett indicated that policies related to mortgage-backed securities (MBS) are focused on reducing mortgage spreads to alleviate housing financing costs [2]

Group 1 - Recent adjustments to housing provident fund loan policies in cities like Beijing, Xi'an, Kunming, and Qingdao have raised the loan maturity age limit to 68 for men and 63 for women, or five years post-retirement age, reflecting a response to the gradual retirement age extension policy and aiming to stimulate housing consumption [1] - The loosening of loan age restrictions is a response to demographic changes and the need for updated risk management models, as traditional concerns about income decline post-retirement are becoming less relevant due to increasing re-employment and rising pension levels [1] - The policy change aims to tap into the purchasing power of the elderly population, with over 400 million individuals aged 50 and above in China, many of whom have the demand and financial capability to improve their living conditions [1] Group 2 - Financial institutions face challenges in risk management for older borrowers, necessitating new assessment methods that consider factors like pension levels, family support, and health status, moving beyond traditional income verification [2] - Some banks are piloting innovative repayment models, such as "lifecycle repayment" and "family overall credit," but these approaches introduce new risks, including moral hazards and potential inheritance disputes [2] - Market reactions to the policy change show a 30% increase in inquiries from buyers aged 50 and above, but actual transaction growth is under 10%, indicating a cautious approach among older buyers [2] Group 3 - Global examples of addressing housing finance for aging populations include Japan's "reverse mortgage" and the U.S. FHA's special loan programs for seniors, highlighting the need for refined financial systems in aging societies [3] - The adjustment of housing provident fund loan age limits is seen as a starting point for broader housing finance reforms, suggesting the need for additional measures like mortgage insurance products for seniors and a cross-generational housing credit guarantee system [3] - The current policy shift underscores the necessity for systemic reforms in financial systems and housing policies to adapt to the increasing aging population, aiming for a sustainable housing finance ecosystem [3]