Group 1 - The core issue affecting the real estate market is the declining purchasing power of ordinary citizens, rather than down payment ratios or loan interest rates [1] - The income of the general public is decreasing and becoming more unstable, leading to reduced financial resources available for purchasing homes [1] - The desire for marriage and family is becoming increasingly unrealistic for many, as individuals prioritize basic survival in the face of economic challenges, such as the resurgence of the COVID-19 pandemic [1] - The fundamental solution for the real estate sector lies in improving the income of ordinary citizens, as the market's recovery depends on their purchasing power [1] - Wealthy families no longer need to buy additional properties, indicating a shift in market demand [1] - Without addressing the primary contradictions in the market, policy adjustments will be ineffective [1] Group 2 - The focus on mitigating financial risks includes the reform and risk resolution of small and medium-sized financial institutions [2] - Strategies such as mergers, restructuring, and market exit are being employed to address risks within small and medium-sized financial institutions [2] - There is an emphasis on strengthening early correction mechanisms for risk in small and medium-sized financial institutions [2] - Specific risk resolution measures are being implemented for individual securities companies [2]