Core Viewpoint - The company has established a management system for entrusted financial management to enhance the efficiency of idle funds, increase cash asset returns, and ensure the safety of company assets while complying with relevant laws and regulations [1][2]. Group 1: General Principles - The entrusted financial management refers to the operation and management of idle funds through financial institutions to achieve capital preservation and appreciation while ensuring safety and liquidity [2]. - The company adheres to principles of standardized operations, risk prevention, cautious investment, and capital preservation, ensuring that entrusted financial management does not affect normal operations and business development [2]. - Funds for entrusted financial management must come from idle funds and should not encroach on operational or project construction funds [2]. Group 2: Approval Authority and Execution Procedures - If the entrusted financial management amount exceeds 10% of the latest audited net assets and is over 10 million RMB, it must be approved by the board of directors and disclosed in a timely manner [3]. - The financial center is responsible for the preliminary demonstration of entrusted financial management plans, including feasibility analysis and risk assessment of the entrusted party [4]. - The approval process for entrusted financial management involves risk assessment and feasibility analysis, followed by reporting to the decision-making body for approval [4]. Group 3: Daily Management and Reporting System - The financial center manages the entrusted financial management business, including preparing annual plans and conducting daily management and financial accounting [5]. - Monthly reports on entrusted financial management must be submitted to the financial responsible person within 10 days after the end of each month [5]. Group 4: Risk Control and Information Disclosure - The internal audit department supervises entrusted financial management, conducting audits and checks on the use of funds and operational conditions [6]. - The board of directors must ensure that risk control measures are effective and that the entrusted party has a good credit record and financial status [6]. - The company must disclose entrusted financial management matters according to the regulations of the Shenzhen Stock Exchange, including the purpose, amount, and risk control measures [7][8].

Group 1 - Major commercial banks have lowered RMB deposit rates, with the one-year fixed deposit rate falling below 1% for the first time, sparking discussions on investment and financial planning in a low-interest-rate environment [2] - The market had anticipated this decline in deposit rates, as the need for monetary policy to stimulate the economy and stabilize the housing market continues, leading to a decrease in loan rates and a historical low net interest margin of 1.43% for commercial banks [2] - The ongoing trend of declining interest rates will significantly impact investment and financial planning strategies [4] Group 2 - In the current low-interest-rate environment, traditional financial products that guarantee returns, such as fixed deposits and certain insurance products, offer limited yields, making them less suitable for investors seeking substantial returns [4] - The capital market is experiencing an "asset shortage," where investors struggle to obtain returns that match the risks they are taking, leading to a need for a shift in investment strategy [6] - A recommended investment approach is to extend the investment horizon and focus on long-term value growth, aligning with the national encouragement for "patient capital" to support new productive forces and high-quality development in the capital market [6] Group 3 - Options for investing as "patient capital" include investing in stocks or funds with a long-term perspective, avoiding short-term trading, and maintaining emotional stability during market fluctuations [8] - Another option is to purchase participating insurance, allowing insurance companies, which are skilled in long-term investments, to manage assets while ensuring capital preservation and potential high returns from economic recovery [8]

我病还没好呢，今天一天在床上昏昏沉沉，晚上寻思要上钟了，喝了点退烧药人才精神起来。人这身体真就是一台精密仪器，37.5度的时候我感觉自己啥 事没有，烧到38.2的时候整个人就蔫了，哪哪都不对。就差这1度都不到，整个人完全两种状态。所以碳基生命是真的脆皮，适应性这么差，离开了地球 这个温室又能走多远... 昨天有读者留言问北京房价回调，我买的房子亏没亏？ 我是2016年5月份买的，总价1400，各种税费+封阳台差不多100，当时贷款900，利率优惠85折，4.16%左右。房市好的时候小区同户型成交2000左右，最 新成交已经跌到1600-1700。 如果纯看房价的话没亏，但我交了7年的月供，其中单单利息部分就是250左右，所以我的真实成本是1750，这样算就亏了。 但话说回来我们全家2018年搬进去，整整住了6年，这6年折算成房租的话是180左右，把这个加上去的话可能还微微赚一点。 所以这笔账最科学的算法是：房价（含税费）+历年月供中的利息-历年房租市场价=真实的财务成本。 按照我的估算，205-2016年买房的人目前普遍是微利或者保本状态，已经谈不上赚钱了，若是再以目前的趋势跌1年，2013-2014年上车的 ...