导语 从四代宅的私密性升级，到社区场景的持续迭代，从在地化特征的不断深化，到空间受限但体验优 质的小地块价值营造，这些趋势不仅映射出改善购房者需求的转变，更勾勒出轻奢产品的升级方 向。 ◎ 文 / 朱一鸣、 王映雪 研究视点 在当下住宅产品不断创新迭代的浪潮中，标杆项目凭借其前瞻性的设计理念与创新实践，正引领着一系列居住 产品新趋势。从四代宅的私密性升级，到社区场景的持续迭代，从在地化特征的不断深化，到空间受限但体验 优质的小地块价值营造，这些趋势不仅映射出改善购房者需求的转变，更勾勒出轻奢产品的升级方向。 01 四代宅隐私与采光问题持续优化 第四代住宅作为当前住宅迭代的前沿产品，在 增强私密性 与 提升采光效果 方面持续革新。嘉兴馥香园对同层 以及上下层之间的隐私保护都有充分的考虑，左右相邻住户之间以 磨砂玻璃 遮挡视线，露台上方也设置了 水 平格栅挑板 ，辅以露台外层的植被，既能有效阻隔邻里的视线，又能保留自然光线的穿透，由此构建出系统 化的隐私防护体系。 图：嘉兴馥香园建筑立面效果图 图：嘉兴馥香园样板间实景 图：嘉兴馥香园露台斜板切角示意图 重庆龙湖·御湖境则以创新的 立体隔离方案，彻底解决第四代住宅 ...

Core Insights - The "Tianfu Series Industry Loan" initiative launched by the Sichuan Provincial Finance Department aims to address the financing difficulties faced by small and micro enterprises [1][2] - Luzhou Bank has implemented an innovative "loan-on-demand" guarantee model, significantly improving the efficiency of loan processing and approval [1][2] Group 1: Financing Solutions - The "loan-on-demand" model enhances the credit mechanism by involving multiple risk-sharing entities, effectively addressing the financing challenges faced by small enterprises lacking collateral [1] - The initiative offers fiscal interest subsidies, reducing the financing costs for enterprises. Short-term loan rates are capped at 1-year LPR + 150 basis points (currently 4.5% annualized), while medium to long-term loans are capped at 1-year LPR + 200 basis points (currently 5% annualized), with provincial fiscal support providing an annualized interest subsidy of 1.5% [2] - The streamlined business process allows Luzhou Bank to independently complete the entire loan approval process, reducing processing time by approximately one week compared to traditional methods [2] Group 2: Business Achievements - Under the "loan-on-demand" model, Luzhou Bank successfully completed the loan process from application to disbursement in just one day, achieving several milestones including the issuance of the first "Tianfu Sports Loan" of 200,000 yuan and the first "Tianfu Cultural Industry Loan" of 300,000 yuan [2] - The bank also provided 500,000 yuan for the first "Tianfu Science and Technology Loan" and issued loans of 600,000 yuan, 5 million yuan, and 2 million yuan for service, manufacturing, and foreign trade enterprises, respectively [2] - After fiscal interest subsidies, the actual financing cost for enterprises can be as low as 2.1% [2] Group 3: Future Plans - Luzhou Bank plans to continue enhancing its support for small and micro enterprises by increasing policy promotion and enterprise engagement, focusing on resolving financing challenges in key industries and specific groups [3]