New Regulation on Interest Rate Adjustment of Personal Housing Loan by the Central Bank 10/08

Effective on the same day

The People's Bank of China announced on August 25th that since 20 19,

From October 8th, 65438/kloc-0, the new commercial personal housing loan interest rate is based on the loan market quotation (LPR) of the same period last month.

) add points to form a pricing benchmark. The added value shall meet the requirements of national and local housing credit policies, reflect the loan risk and be fixed during the contract period. The interest rate of the first set of commercial personal housing loans shall not be lower than the quoted interest rate of the corresponding term loan market, and the interest rate of the second set of commercial personal housing loans shall not be lower than the quoted interest rate of the corresponding term loan market plus.

60 basis points. In addition, the loan interest rate for the purchase of commercial housing shall not be lower than the loan market interest rate plus 60 basis points in the same period. The interest rate policy of provident fund personal housing loan will not be adjusted for the time being.

Putting a "Security Lock" on Children's Personal Information —— Implementation of the Provisions on the Protection of Children's Personal Information Network

On August 23rd, the National Internet Information Office issued the Regulations on the Protection of Children's Personal Information Network. The regulations came into force on 20 19 10 1, and it is clear that no organization or individual may produce, publish or disseminate information that infringes on children's personal information security.

According to the regulations, children's guardians should correctly perform their guardianship duties, educate and guide children to enhance their awareness and ability to protect personal information and protect the safety of children's personal information. Network operators who collect, use, transmit or disclose children's personal information shall inform the children's guardians in a prominent and clear way and obtain the consent of the children's guardians.

Implementation of new regulations for intelligent express delivery cabinets: Express delivery "into the cabinet" requires the consent of the recipient.

The Measures for the Administration of Delivery Service of Intelligent Express Boxes issued by the Ministry of Transport shall come into force on 20 19 10 1. The "Measures" stipulate that enterprises that use smart express boxes should obtain the consent of the recipients when using smart express boxes to deliver express mail. If the recipient does not agree to use the smart express box to deliver the express mail, the enterprise using the smart express box shall provide the delivery service according to the name and address agreed in the express service contract. Intelligent express box operating enterprises shall reasonably set the storage period of express mail, and shall not charge the recipients during the storage period. If the express mail is delayed, damaged or the internal parts are in short supply, the recipient can refuse to sign for it on the spot according to the prompt of the intelligent express box operation enterprise, and return the express mail to the intelligent express box.

The newly revised Judges Law and Procurator Law will come into force on 1 year1October 6.

On April 23, the newly revised Law on Judges and Prosecutors

Voted on the 20 th. The revised two laws reflect the achievements of China's judicial system reform in recent years, such as judicial responsibility system and post system reform, and make more perfect provisions on the rights and obligations, appointment and job security of judges and prosecutors. These two laws will be implemented on

20 19 10 1 came into effect.

The words "deposit" and "savings" shall not appear in all kinds of insurance publicity materials.

After 65438+1 October1,the name and logo of the bank will not appear in the insurance publicity materials you see in the bank, nor will it appear.

"deposit", "savings" and "launch with banks"

And so on. On August 27th, official website, the China Banking Regulatory Commission, issued the Measures for the Administration of Insurance Agency Business of Commercial Banks, which standardized many details of insurance agency business of commercial banks. These Measures shall be implemented as of 20 19 10 1.

The Code for Architectural Design of Nurseries and Kindergartens was partially revised to standardize kindergarten classes.

Source map

Since the Ministry of Housing and Urban-Rural Development promulgated the industry standard "Code for Design of Nurseries and Kindergartens"

20 19 10 1 came into effect. The new version of the specification stipulates that the service radius of nurseries and kindergartens is 300 mm.

, increase the number of classes in independent nurseries and kindergartens. In addition, nurseries and kindergartens can only be built together with houses, old-age care, education and office buildings. Kitchen, bathroom, laboratory, infirmary and other water rooms should not be set above the infant living room. Children's living room should not be set in basement or semi-basement.

The raw material range of health food has new requirements.

The Measures for the Administration of Health Food Raw Materials Catalogue and Health Function Catalogue formulated and issued by the State Administration of Market Supervision in conjunction with the State Health and Wellness Commission will be officially implemented from 20191kloc-0/.

The "Measures" stipulate that the raw materials listed in the Catalogue of Raw Materials for Health Foods, in addition to vitamins, minerals and other nutrients, should also meet the following requirements: First, they have a history of eating at home and abroad, and the raw materials are safe and accurate, and have been used in health foods approved for registration; Second, the corresponding efficacy of raw materials has been included in the current health care function catalogue; Third, raw materials and their dosage range, corresponding efficacy, production technology, testing methods and other product technical requirements can be standardized management to ensure the consistency of product quality according to the catalogue.

Interim provisions on the implementation of administrative licensing procedures for market supervision and management

Interim Provisions on Administrative Licensing Procedures for Market Supervision and Management issued by the General Administration of Market Supervision (20 19)

It will take effect on 1 October12008. The "Regulations" propose that the market supervision and management department should disclose the matters, basis, conditions, quantity, implementation subjects and procedures of administrative licensing in accordance with the regulations. Electronic application materials, electronic licenses, electronic seals, electronic signatures and electronic files that meet the statutory requirements have the same legal effect as paper application materials, paper licenses, physical seals, handwritten signatures or seals and paper files.

There are new management measures for farmland construction projects.

Measures for the Administration of Farmland Construction Projects issued by the Ministry of Agriculture and Rural Affairs since 20 19.

It will take effect on 1 October12008. The "Measures" stipulate that a centralized and unified management system shall be implemented for farmland construction, and unified planning and layout, construction standards, organization and implementation, acceptance and evaluation, and the above drawings shall be put into storage. Farmland construction projects insist on planning first. Planning should follow the principles of highlighting key points, concentrating on contiguous areas, promoting overall development and building by stages, define the regional layout of farmland construction, give priority to supporting grain production functional areas and important agricultural product production protection areas, and put farmland construction in the first place.

All the cultivated land in the "two districts" has been built into high-standard farmland.