CCTV News:The 14th National Games, which lasted for 13 days, came to an end on the evening of September 27th, and the closing ceremony was held in Xi ‘an Olympic Sports Center Gymnasium. The handover ceremony of the National Games flag was held at the closing ceremony. Four years later, the 15th National Games will enter Greater Bay Area and be jointly hosted by Guangdong, Hong Kong and Macao. On the other hand, the art exhibition is based on the theme of "dreaming and forging ahead", which is divided into five parts: celebration, applause, making waves, progress and blessing. Looking back at the National Games, more than 12,000 athletes struggled hard and dared to surpass. Some people met their better selves and continued to write about the wonderful Olympics. Some people found new goals and looked forward to the future.

More than 12,000 athletes participated in more than 12 world records.

More than 12,000 athletes participated in the 14th National Games, and they competed in 35 major events and 410 minor events. Among them, weightlifting, table tennis and other traditional advantageous events in China still show super-high competitive level, and the champion scores of 17 events exceed those of the Tokyo Olympic Games. On the whole, compared with the 13th National Games, the athletic performance of this National Games has risen steadily, surpassing 12 world records, setting 2 Asian records and 24 national records, and the number and items that have surpassed world records and national records have all improved.

"The National Games is Difficult for the Olympic Games" weightlifting venues frequently achieve good results.

Earlier reports said: "For China table tennis and weightlifters, it is even more difficult to compete in the National Games than the Olympic Games." Indeed, in the weightlifting field of the National Games, in the women’s 49kg class competition, Hou Zhihui, the champion of Tokyo Olympic Games, won the championship with a total score of 214kg, which was 4kg higher than her performance in winning the championship in Tokyo. However, such excellent performance only allowed her to narrowly beat her opponent Jiang Huihua. In the men’s 73kg final, Shi Zhiyong, the Olympic champion from Zhejiang team, won the championship with a total score of 365kg, breaking the world record.

"Fairy Fight" table tennis competition is fierce.

Like the weightlifting arena, the table tennis arena of the National Games is also a "fairy fight". In the last two finals of table tennis on 26th, Manyu Wang Che Xiaoxi won the women’s doubles title, and Fan Zhendong won the men’s singles title in the National Games. In this way, Fan Zhendong won the men’s singles and men’s team double gold medals, while Manyu Wang monopolized the women’s singles, women’s doubles gold medals and mixed doubles silver medals.

Wang Shun: Won 6 gold medals in a single session to achieve the gold medal "15 yuan"

Go beyond yourself in the past and pursue a better future. On the 24th, in the men’s 200m individual medley final, Wang Shun, the champion of this event in Tokyo Olympic Games, won the third consecutive championship in the National Games, and won the sixth gold medal in this National Games. The total number of his individual gold medals in the National Games also rose to a record 15. Facing the future, this swimmer who has experienced three Olympic Games and three National Games is full of confidence.

Wang Shun:I think as long as I have enough love, I will have the motivation to go on.

Youth storm teenager generate’s strength hits the world record

At the National Games, many teenagers, generate, challenged the Olympic champion and hit the world record. In the women’s 10m air rifle competition, Wang Zhilin, a 17-year-old Zhejiang teenager, won the championship with a score of 253.3, 0.4 higher than the world record. Zhang Tianqi, a 22-year-old Hubei teenager, and Yang Qian, a 21-year-old Tokyo Olympic champion, were ranked second and third respectively.

Multi-point arrangement for the whole people to participate in mass competitions

Mass sports is the foundation of the national movement, national participation and the construction of a sports power. The mass events of the 14th National Games have set up 19 major events and 185 minor events, leading everyone to participate in national fitness, laying a solid mass foundation and building a healthy foundation for the construction of a sports power.

　　Recently, the price of domestic gold retail market has been rising continuously, which has aroused heated public opinion. In 2022, the minimum retail price of gold was only 368 yuan/gram, but now the price of jewelry gold in some areas has reached 615 yuan/gram, which has soared by 63% in a year and a half. However, at a discount, the price is generally 570-600 yuan/gram.　

　　The price of gold has risen, first of all, because of the arrival of the traditional holiday consumption peak season, and the demand for gold consumption such as marriage has increased. According to the data of China Gold Association, the national gold consumption in the first half of this year was 554.88 tons, a year-on-year increase of 16.37%. Among them, gold jewelry was 368.26 tons, up 14.82% year-on-year, accounting for more than 60% of the total consumption; Gold bars and coins reached 146.31 tons, a year-on-year increase of 30.12%. The domestic physical gold market is a relatively closed market, and the price will rise when the market demand increases greatly.　

　　At the same time, the central bank’s interest rate cut has a certain impact on the price of gold. The central bank’s interest rate cut injects liquidity and encourages investment and consumption, which will lead to the flow of funds to gold consumption and safe-haven investment, thus pushing up the price of gold.　

　　In this wave of gold buying craze, young people have become the main force, which is different from the traditional perception that aunts buy gold.　

　　Young people buy gold more because they lack better investment options.　

　　Not surprisingly, young people are also Chinese. Chinese always likes to buy gold, and the influence of this cultural gene is subtle. Many times, it is not that young people are different from the previous generation, but that they are not old enough. When they grow up, when the time is right, they often drink white wine, buy gold and dance square dance like their elders.　

　　In fact, young people have long been the main buyers of gold. According to the White Paper of China Gold and Jewelry Consumption Survey in 2021, customers aged 25 to 35 account for 75.59% of the consumers in gold shops. Faced with this trend, in recent years, in order to attract young customers, gold jewelry brands have been making their products younger, launching cartoon models and joint models, such as tinkling cats, HelloKitty and Cinnamoroll, which are welcomed by young people.　

　　Among them, new varieties such as "Jin Doudou" and "Little Yellow Croaker" are the most sought after, and "Save Golden Beans" has become a popular financial management method in the post-1990s, so buy a few once in a while. Many stores on the online shopping platform have a monthly sales volume of "Jin Doudou" products exceeding 10,000. These products have obvious saving function first. This product is simple in shape, usually one weight is one gram, and it is also easy to count. The slogan of the merchants is "saving money to be a good product" and "small golden bean investment fund", which also emphasizes the function of preserving value and saving. In fact, among gold products, the sales of gold beans, gold coins and gold bars have the fastest growth rate, surpassing all kinds of gold jewelry, which means that consumers, especially young people, pay more attention to the saving value function of gold products.　

　　The price of one gram in Jin Doudou is 500-600 yuan. For young people, although there is no interest, it seems to be more reliable than risky stock markets and funds in the context of rising gold prices. At present, the economic pressure is great, and young people want to avoid danger. Buying gold is actually because there is nothing else to buy. The stock market is not good, and all kinds of jokes circulating on social media are viral. Young people are naturally more exposed to these paragraphs, and naturally they are afraid of the stock market and financial management.　

　　In the face of the price increase of gold, a mentality is to buy up and not buy down. I feel that although the price of gold has risen greatly, I have this demand and I am worried that it will continue to rise, so I will still buy it. Moreover, there is hope in my heart: after buying it, the price of gold continues to rise, and it will be earned. There was an online poll on "Will the price of gold rise in the future" initiated by the media, in which 608 people voted and 67% of the respondents chose "Will it rise". This mentality will also affect young people.　

　　Moreover, these Jin Doudou, small yellow croaker, because of their shapes, have a certain social function, and they can make friends when they buy them. To some extent, for young people, this is like a blind box or a hand-made one, which also has the function of showing off. Buying two blind boxes a week costs the same as buying a Jin Doudou a month, and Jin Doudou’s show-off function may be stronger.　

　　However, from the perspective of financial management, buying physical gold is not a good choice for hedging or saving.　

　　The price of gold fell in dollar terms, while the price of RMB rose. Did young people buy loneliness?　

　　In most cases, gold is still a risky financial asset. Moreover, it is difficult to realize physical gold. Unless the financial collapse and social collapse, paper gold and gold contracts are much better than physical gold. Therefore, buying gold is actually a helpless choice for young people in the economic downturn, financial turmoil and lack of knowledge in the stock market.　

　　In addition, the international gold price is falling now.　

　　Since the beginning of this year, the international gold price has fallen from a high level after consolidation, and then rebounded, rising from $1,850 per ounce. On May 4, the international spot price of gold stood at $2,080. But since then, the international gold price has started to fall, and the current price per ounce is around $1,930. Therefore, although it is rising at home, it is falling internationally.　

　　Domestic gold prices have risen strongly. In the previous period, the gold futures rose from 453 yuan per gram in mid-August to 480 yuan per gram on September 15th, which is a record high since the gold contract was listed for 13 years. During the year, Shanghai gold futures rose by 15%, which also set the best annual performance in 2019. In the physical gold market, the price of gold has exceeded that of 600 yuan per gram.　

　　One reason for this price deviation is the exchange rate. In the gold trading market, the domestic gold price is quoted in RMB, while the international gold price is quoted in USD. Changes in the exchange rate between RMB and USD will also make the trend of domestic gold price and international gold price different. As the Federal Reserve keeps raising interest rates, the exchange rate of RMB against the US dollar has been in a depreciation channel, which leads to a greater upward trend of domestic gold prices. For example, when the international gold price is 1900 USD/oz, and the exchange rate of USD to RMB is 1:7, then each gram of gold is about 428 RMB. But if the exchange rate between the US dollar and RMB is 1:7.3, each gram of gold will rise to about 446 yuan. Therefore, this can also explain the deviation of international and domestic gold prices.　

　　Another reason is that China has recently imposed some restrictions on the import of precious metals, and the domestic supply of gold is limited. Data show that China’s net import volume in July was 25.769 tons, lower than that in June, which was 34.648 tons. The total amount of gold imported through Hong Kong decreased by 21% to 30.239 tons. The reason for this may be related to domestic economic regulation and foreign exchange reserve management. Restricting the import of gold can better control the outflow of foreign exchange and help stabilize the value of RMB.　

　　This means that the domestic gold market price is a policy city, which is greatly influenced by the policy. On the one hand, the policy follows the market and has its objective laws, but on the other hand, it also means that if the policy ends, the domestic gold price may withdraw sharply.　

　　Young people are keen on social public opinion, but lack knowledge. Nowadays, most of the public opinions that young people are exposed to are lack of depth and analysis of key details, and most of them are directed at emotions and panic. Young people’s ideological background, few modern economic and financial knowledge framework. Therefore, it is easy to go with the flow. The upsurge of buying Jin Doudou has also become a microcosm of the lack of cognition.

In recent years, with the housing and construction departments stepping up efforts to rectify the chaos in the real estate market, the illegal sales behavior in the market has greatly improved. However, the People’s Daily reporter found that some developers still have problems such as disguised illegal sales and curve evasion of supervision.

Especially at the second anniversary of the implementation of Beijing’s commercial purchase restriction policy, some commercial projects still sell houses "out of shape" by handling shell companies, changing legal persons into buyers after registering company qualifications in advance, and initialling contracts with unqualified consumers, which violates the original intention of regulation and control and makes buyers face chain risks.

Initial the contract before the social security is full

Recently, the reporter walked into the sales office of a project located at the intersection of Binhe Middle Road and Tonghu Street in Tongzhou District as a buyer. The salesperson introduced that its main apartment type is a 77-111 square meter hardcover two-bedroom and three-bedroom business apartment, which can be purchased in the name of an individual who meets the qualification of buying a house in Beijing, and the down payment is 50%. The salesperson also said: "Most of the people who buy our projects are used for investment and are optimistic about the future development of Tongzhou."

The project is under construction. (Photo by People’s Mesh Haili)

However, when the reporter asked how to deal with the continuous payment of social security in this city for less than five years, the salesperson gave this answer: "If there is only one year left in social security, you can first sign the contract, you can pay the money normally, and then sign it online after the social security is enough. Some of our customers have done this before."

Regarding this kind of behavior, the staff of the Beijing Municipal Commission of Housing and Urban-Rural Development said in a conversation with reporters: "We only recognize transactions that meet the relevant requirements. In this way, buyers need to bear greater risks and should be carefully distinguished."

Lawyer Ma Yuzhen, a real estate lawyer of Beijing Longan Law Firm, believes that such an operation is risky for buyers. Before the house is officially traded, the payment for the house can’t really lock the house, which is a test of the developer’s credit. Moreover, once the performance fails, if the restrictions on breach of contract initialed by both parties are not detailed enough, or the developer’s return of funds is not smooth, it is easy to cause two-way losses of housing and funds.

Regarding this kind of policy-dodging practice, Zhao Xiuchi, vice-president and secretary-general of Beijing Real Estate Law Society and professor of capital university of economics and business, also said that developers evaded the purchase restriction policy, disrupted the market order, increased the risk of the real estate market, and provided opportunities for some speculators, which was not conducive to the realization of the positioning of "staying in the house but not speculating" and the stable and healthy development of the real estate market.

Selling in disguised form without pre-sale certificate leads to the problem of handing over the house

Four years after the million-dollar purchase price was paid, more than 80 owners of Jingxi Jingyuan Project in Shijingshan District, Beijing, are still empty-handed in the puzzle of "disguised unlicensed sales" of developers, among which, the responsibility determination of the Customized Development Agreement signed by both parties has caused controversy.

According to public information, the project development company of Jingxi Jingyuan is Beijing Jingxi Jingrong Real Estate Co., Ltd., which is an absolute holding subsidiary of Greenland Group.

"Since May 2015, each of us has paid one or two million house purchases. At that time, the sales staff promised to hand over the house by the end of 2015. After four years, we still can’t get the house." Lin Qiaoqiao, the owner of Jingxi Jingyuan, and her "prospective neighbors" told reporters that they learned from the sales staff and the filing information of the Beijing Municipal Commission of Housing and Urban-Rural Development that these vendors did not get the pre-sale certificate, and they did not apply for the property right certificate after the house was completed, which made it impossible to sign the house online.

The unfinished business of Jingxi Jingyuan. (Photo by People’s Mesh Haili)

People’s Daily reporter visited and found that at present, the two limited houses in Jingxi Jingyuan have been delivered to the residents, but the bottom business sold by the project is vacant. The staff of the Housing Construction Committee of Shijingshan District confirmed on the phone that the bottom business of Jingxi Jingyuan does not have a sales license, and it is currently in the state of an existing house. If it is to be handed over, it is necessary to apply for a property right certificate first, and then apply for an existing house sales record.

In this regard, the Beijing-Tianjin-Hebei Business Department of Greenland Group replied to the reporter that the project was sold in the form of customized development in 2015, and the completion record was completed on September 13, 2017. The estimated commercial delivery time is November 30, 2017, but due to 2017. On September 1, the government introduced a new commercial policy for affordable housing projects. Therefore, it is necessary to complete the supporting handover before proceeding with the following procedures: actually measured record-actual forecast correspondence-completion adjustment-land price verification letter-title registration survey-large property certificate-cash transfer-small property certificate, etc. There are many supporting houses for the project, and the procedures are cumbersome and complicated, and the handover procedures progress slowly, which has a serious impact on cash transfer and delivery. At present, it has been processed to the stage of ownership investigation.

Similarly, the sale of commercial properties without pre-sale permit in the form of customized development occurred in the Greenland Global Cultural and Financial City project, which is 8 kilometers away from Jingxi Jingyuan, and the project was also developed and constructed by Beijing Jingxi Jingrong Real Estate Co., Ltd.

The buyer Zhen Cheng ‘an showed reporters some Customized Development Agreements of more than 90 rights-defending owners. The agreement showed that it was signed in July 2015. However, according to the information of official website of Beijing Municipal Commission of Housing and Urban-Rural Development, the pre-sale permits for Greenland Global Cultural and Financial City project were all obtained in November 2015 or later, and the underground business of Building No.3 purchased by Zhen Cheng ‘an in July 2016 was not included in the pre-sale.

Customized Development Agreement signed by some buyers and Beijing Jingxi Jingrong Real Estate Co., Ltd. (Photo courtesy of the purchaser)

The relevant staff of the Housing Construction Committee also confirmed that the houses that the owners defended their rights did not obtain the pre-sale certificate at the time of payment. In response, Greenland said that the "Customized Development Agreement" signed with the purchaser is not used as a sales basis.

The content of the agreement shows that the purchaser pays the corresponding deposit to the developer, which will be converted into the amount of house payment later, and each customized development agreement stipulates the delivery time of the house. The above-mentioned agreement signed in July 2015 stipulates that the delivery time of the house is June 30, 2017.

Regarding the definition of illegal sales behavior, the Notice on Further Strengthening the Supervision of the Real Estate Market and Improving the Pre-sale System of Commercial Housing issued by the Ministry of Housing and Urban-Rural Development in 2010 pointed out that real estate development enterprises are not allowed to pre-sell commercial housing projects without pre-sale permission, and they are not allowed to subscribe, book, line up numbers, issue VIP cards, etc., or collect fees such as deposits and reservations in disguise from buyers, and are not allowed to participate in any exhibition activities.

In June 2018, the Ministry of Housing and Urban-Rural Development, together with seven ministries and commissions, once again stressed that before obtaining the pre-sale permit for commercial housing, real estate development enterprises collect deposits, reservations, numbers, cards and other fees from buyers or in disguised form, which are illegal and illegal.

Ma Yuzhen pointed out: "The Customized Development Agreement is a new sales method for developers to avoid the invalidation of the contract without obtaining the pre-sale permit, which belongs to the legal edge ball." He said that although the content of the agreement bypasses the relevant provisions of the pre-sale permit, it is indeed the true intention of both parties and does not violate the mandatory provisions of laws and administrative regulations. It should be valid and an appointment contract.

He further pointed out that if the disputed house does not meet the performance conditions of house transfer, the owner can terminate the Custom Development Agreement according to the terms of the contract and ask the developer to bear the liability for breach of contract. If the liquidated damages are lower than the actual losses, it may be required to increase the amount of liquidated damages (the developer shall bear the corresponding liability for contracting negligence if he knows that he cannot transfer the ownership).

Ma Yuzhen reminded consumers that when buying a house, we must look at whether the five certificates of the project are complete and whether the project is consistent, and judge the qualifications, reputation, reputation and risk prevention ability of the developer. At the same time, we should pay attention to the relevant policies issued by the state, and don’t listen to the rhetoric of sales staff one-sidedly.

"At the same time, we should also look at the terms of the contract in detail to identify whether there are sales models and terms that evade the law in disguise. Don’t pay a large sum of money without signing a formal sales contract, otherwise the default situation will be complicated and high-risk. " Ma Yuzhen said.

Agency companies evade the qualification of buying houses.

On March 26, 2017, the new policy of commercial projects issued by Beijing prohibited the sale of commercial projects under construction to individuals. The purchase restriction policy has strengthened the office attributes of commercial projects and strictly controlled the purchase qualifications, which has led to the rapid cooling of the Beijing commercial market and weakened the investment attributes.

However, some business-run projects still evade supervision by "scratching the ball", and the practice of developers acting as agents for company qualifications has appeared in the market. Some projects even registered a number of companies in advance, and finally avoided the purchase restriction requirements for buyers by changing their legal representatives.

"Many customers are qualified to buy houses by registering new companies. Our purchasing department has a team responsible for this matter, and the cost is about 10,000 yuan." The sales staff of the sales office of Greenland Global Cultural and Financial City told the reporter that the unsold houses of the project can be accepted by stages. After the down payment is 50%, the remaining house payment can be paid in one year.

In fact, this mode of operation often occurs in the Beijing commercial market after the purchase restriction. Tongzhou R&F Canal No.10, Fuhua Land World Overseas Chinese Business Center, Chaobei 8080 and other projects all promised to have the channel recommendation for handling company qualifications in the reporter’s earlier visit: "The agency company has a cooperative relationship with many projects of the developer, and it takes about 20 days to register the company."

Many real estate agents who live in new houses told reporters that there are still developers who are selling commercial houses, and there are generally channels for handling company qualifications.

A consultant also calculated an account for the reporter. The maintenance cost of buying a business-run house as a company includes: 3,600 yuan in tax declaration, 0.84% of the total house price in property tax and land use tax, and the minimum amount of 3,500 yuan *12*1.7% in employment security for the disabled. If it is resold, it is also required to pay 6% value-added tax on the value-added part of the house payment and 20% personal income tax on the market value difference of the company. Take a commercial house with a price of 2 million yuan as an example. If the regional guidance price is 3 million yuan after 5 years, the cost of holding and transferring it will be 362,700 yuan.

Another way to avoid the purchase restriction is to change the legal representative of the company registered in advance. When the reporter asked the consultant of Juli New House as a buyer about the purchase of the first Xiyue Bay in Fangshan District, the other party said, "Like the first Xiyue Bay project, they have already helped you to handle the company well, and each house is hung under a different company name. By changing the legal representative of the company, the corresponding house will also be classified under the name of the purchaser." Subsequently, the sales staff of the first Xiyuewan sales office also confirmed this statement to reporters.

In this regard, the reporter called the relevant person in charge of the Shoukai Renxin Fangshan Company, which is responsible for the sales of Xiyuewan project. The person in charge responded that the sales online signing of Xiyuewan project has been completed, and the current sales behavior of the project has nothing to do with the shares of Shoukai. Previously, there were non-Shoukai personnel who illegally sold Xiyuewan houses in the name of Shoukai.

However, the above-mentioned residential new house consultants and sales staff of the sales office told reporters that it is necessary to sign a contract with the first opening to buy a house in Xiyuewan from their channels.

Zhang Zhitong, director of Beijing Jingrun Law Firm, reminded that the purchase, holding and transfer of commercial property with enterprise qualification need to bear significantly higher tax costs than those that individuals need to bear when purchasing, and the transfer of commercial property also needs to ensure that the other party has company qualification, which leads to sales problems. Buyers should pay attention to the general ledger.

The marketing manager of a large real estate enterprise in Beijing told reporters, "The risk of this kind of practice lies in whether the government will approve and supervise the enterprise qualifications of the buyers for a long time. After all, the red line of the commercial attributes of commercial projects cannot be crossed." (The owners involved in the article are all pseudonyms)　

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