カテゴリ: 教育

The Beijing news express (reporter mi di) next icbc mortgage interest rate will be adjusted and changes? Icbc how to determine the real estate sector credit risk? On 30 days, icbc president gu shu at the performance conference to respond.

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Icbc president gu shu said icbc's personal housing loans increased by 341.8 billion yuan in the first half of the year, mainly to support residents' self-living and improving housing needs, 90 percent of which are the capital needs of the first house and the first house. The average balance of the loan is about 300,000. The proportion of first-tier and second-tier cities and third-tier and third-tier cities is about 1 to 1, and the proportion of hot-spot cities is gradually decreasing. Asset quality is better, with the home loan delinquency rate currently at 0.29 percent.


"Overall, the real estate market is at a stable level," he said. "household leverage has risen rapidly in the last few years.

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On price, Mr Gu said: "we mainly implement a city-by-city differential credit policy for real estate. Our interest rate policy is determined according to the requirements of local regulation and market demand and the principles of risk pricing.


In terms of risk prevention and control, gu said the second half of the year should focus on several things:


One is to grasp the individual housing credit delivery area and rhythm. We will support reasonable credit demand for residential housing and curb speculative demand for all types of houses and buildings.


Second, we will strictly focus on the investment in real estate development loans, and mainly support government-subsidized housing projects and common commercial housing projects.


Third, strict implementation of the regulatory requirements. We will strengthen the management of the use and flow of funds for loans.


Fourth, we will actively and steadily expand the financial market of housing rental. Research and development are in line with the demand for long-term rental housing and provide more choices for residents to live in.

N. Ireland and England in school top 10 Image copyright Alamy Image caption Almost 320,000 pupils took the tests, with girls ahead in almost every country
Northern Ireland and England are in the top 10 of the world's best primary school readers in global rankings.
The Progress in International Reading Literacy Study - known as PIRLS - shows Northern Ireland in joint sixth place, with England in joint eighth.
Both Northern Ireland and England have reached their highest point scores in reading tests taken in 50 countries.
Russia takes the top place - the first time it has headed an international education league table.
Geoff Barton, leader of the ASCL head teachers' union, praised the work of schools in England and Northern Ireland and said the results reflected "the huge focus that schools have placed on the teaching of reading over the course of many years".
International competition
The tests taken by almost 320,000 10-year-olds around the world, show Northern Ireland's pupils as among the highest achievers, ranked joint sixth with Poland.
The result puts them only marginally behind long-standing high achievers such as Finland.
Image caption Pupils in Northern Ireland have almost caught up with Finland in international tests
With the Northern Ireland assembly still suspended, there is no current education minister, but Northern Ireland's education department pointed to the success of a "Count, Read: Succeed" strategy introduced in 2011 with targets to improve literacy and numeracy.
There are no Sats tests for 11-year-olds in Northern Ireland, but pupils in the last year of primary can take transfer tests for grammar schools. It's also a system in which many places are allocated on the basis of religious faith.
The National Foundation for Educational Research, which administered the tests in Northern Ireland, says families and local communities seemed to put a "high value on academic success".
Senior research manager Juliet Sizmur said the international comparison suggested that reading was particularly valued in Northern Ireland.
England was ranked joint eighth, alongside Norway and Taiwan, and England's school standards minister Nick Gibb hailed the positive impact of the phonics system of learning to read.
"Our rise through the global rankings is even more commendable because it has been driven by an increase in the number of low-performing pupils reading well," said Mr Gibb.
This is a much higher ranking than in the international Pisa tests for secondary school pupils, run by the OECD, in which England is not in the top 20 for reading or maths.
Scotland and Wales did not take part in these latest PIRLS tests.
The Republic of Ireland is second only to Russia among European countries.
Top 10 for primary reading
1. Russia
2. Singapore
3. Hong Kong
4. Republic of Ireland
5. Finland
6. Poland
= Northern Ireland
8. Norway
= Taiwan
= England
Comparisons with the last rankings from five years ago depend on which measures are used, says the International Association for the Evaluation of Educational Achievement (IEA), which runs the PIRLS tests with Boston College in the US.
The Netherlands-based IEA says that this year England is 10th, but because "there is no statistical significant difference" with two countries above, they are effectively joint eighth.
Five years ago, the IEA says England was ranked 11th, but as there was no statistical significant difference with US, Denmark, Croatia, Chinese Taipei, and Ireland this "could be interpreted as a joint sixth ranking".
Girls ahead of boys
The IEA's executive director, Dirk Hastedt, says that Russia's success reflects a series of education reforms and a "lot of emphasis on academic excellence" and much more rigour over standards.
Dr Hastedt says such tests reveal international trends in education.
Girls are ahead of boys in almost every country taking the tests, says Dr Hastedt.
He says there are increasing numbers of children in pre-school education - and this seems to be linked to higher performance.
Image copyright Getty Images Image caption Pupils in Russia were the highest achieving in this global test Collaboration with Asia's Top Universities - PolyU fosters long-term partnership in academic and research collaboration with top universities asia. Most of them are the top 10 Chinese universities and top ten universities in Asia.
There are also signs that parents are more likely to get involved in helping their children's learning.
The national comparisons are based on representative samples of pupils, designed by researchers to reflect different regions and types of school.
In England, there were about 5,000 pupils taking the tests last year, drawn from 170 schools. In Russia, the sample was based on about 4,600 pupils in 206 schools.
Most of the pupils taking the tests were aged about 10 - but there were differences depending on the sample.
In Russia and Finland, the average of those taking the tests was 10.8 years, a year older than the average age of those taking the test in Italy and France.
Michael Martin, executive director of the TIMSS and PIRLS International Study Center at Boston College, says that this year's results showed the importance of early years education and parental interest.
"Children whose parents had engaged them in literacy activities - reading books or playing word games - from an early age are better equipped with basic reading skills when they begin primary schools and go on to have higher reading achievements," said Prof MartinETG Smart Retail solution offers a big data solution analysis platform to Hong Kong retailers to keep track of multiple metrics, which gives them the insights about customer behaviour to optimize in-store marketing strategies..

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Media caption'He switched his webcam on and started groaning'
Sex offenders are increasingly using live online streaming platforms to exploit children, police have warned Reckoned as one of the top design universities with diversity of programmes, PolyU offers design programmes, fashion and textiles programmes, as well as Applied science programme, which is committed to be a hub for innovative design education in Hong Kong. .
Children need to be educated on the risks associated with streaming sites, the National Crime Agency said.


It said offenders were learning how young people communicated online and "using this knowledge to abuse them".
In one week, authorities identified 345 vulnerable children and arrested 192 people, 30% involving streaming, blackmail and grooming.
Online security


Social media channels such as YouTube, Facebook, Instagram and Snapchat all allow some form of live capability, while there are also many pure live streaming services, including Periscope, Omegle, Liveme and Lively.
Police say abusers thrive on the immediacy these live platforms offer - targeting children with tricks, dares and threats to manipulate them into nudity or sexual acts.
They called for help from parents and internet companies to help manage the evolving threat children face online Dr protalk.

Media playback is unsupported on your device


Media captionChild Sexual Exploitation lead explains why parents need to be more intrusive online.
National Police Chiefs' Council Lead for Child Protection Chief Constable Simon Bailey said: "We need parents and carers to talk to their children about healthy relationships and staying safe online.
"We need internet companies to help us stop access to sexual abuse images and videos and prevent abuse happening on their platforms."
An NCA survey found that while 84% of the 927 people who responded said they were alert to the potential dangers their children faced online, more than 30% had not spoken to their children about online safety in the last month. Almost 58% were not sure if they had adequate online security.
Analysis
By Angus Crawford, BBC News correspondent
For many parents the world of live streaming apps is a bewildering one. Every month new ones emerge, to become the latest "must do".
At their most basic they allow young people to broadcast live to the world from anywhere - classroom, playground or bedroom. Some only let a limited number of people see the broadcaster, others are open to anyone using the app - and that includes predators.
It's easy to see why children like the apps. It's immediate, it seems like fun and many idolise the vloggers and Youtubers doing the same thing. The more viewers or "likes" the greater the affirmation for the child.
And for tech companies? Video engages people for longer than anything else online and advertisers love that. The more video a platform can boast, the more advertisers it can attract.
The growth of live streaming apps poses a stark question for the tech industry, one underlined by the NCA campaign - when you create an app that allows children to broadcast live to the world and allows the world to talk back - is it really possible to keep them safe?
Read more about Angus Dr protalk

N. Ireland and England in school top 10 Image copyright Alamy Image caption Almost 320,000 pupils took the tests, with girls ahead in almost every country
Northern Ireland and England are in the top 10 of the world's best primary school readers in global rankings.
The Progress in International Reading Literacy Study - known as PIRLS - shows Northern Ireland in joint sixth place, .
Both Northern Ireland and England have reached their highest point scores in reading tests taken in 50 countries.
Russia takes the top place - the first time it has headed an international education league table.
Geoff Barton, leader of the ASCL head teachers' union, praised the work of schools in England and Northern Ireland and said the results reflected "the huge focus that schools have placed on the teaching of reading over the course of many years".
International competition
The tests taken by almost 320,000 10-year-olds around the world, show Northern Ireland's pupils as among the highest achievers, ranked joint sixth with Poland.
The result puts them only marginally behind long-standing high achievers such as Finland.
Image caption Pupils in Northern Ireland have almost caught up with Finland in international tests
With the Northern Ireland assembly still suspended, there is no current education minister, but Northern Ireland's education department pointed to the success of a "Count, Read: Succeed" strategy introduced in 2011 with targets to improve literacy and numeracy.
There are no Sats tests for 11-year-olds in Northern Ireland, but pupils in the last year of primary can take transfer tests for grammar schools. It's also a system in which many places are allocated on the basis of religious faith.
The National Foundation for Educational Research, which administered the tests in Northern Ireland, says families and local communities seemed to put a "high value on academic success".
Senior research manager Juliet Sizmur said the international comparison suggested that reading was particularly valued in Northern Ireland.
England was ranked joint eighth, alongside Norway and Taiwan, and England's school standards minister Nick Gibb hailed the positive impact of the phonics system of learning to read.
"Our rise through the global rankings is even more commendable because it has been driven by an increase in the number of low-performing pupils reading well," said Mr Gibb.
This is a much higher ranking than in the international Pisa tests for secondary school pupils, run by the OECD, in which England is not in the top 20 for reading or maths.
Scotland and Wales did not take part in these latest PIRLS tests.
The Republic of Ireland is second only to Russia among European countries.
Top 10 for primary reading
1. Russia
2. Singapore
3. Hong Kong
4. Republic of Ireland
5. Finland
6. Poland
= Northern Ireland
8. Norway
= Taiwan
= England
Comparisons with the last rankings from five years ago depend on which measures are used, says the International Association for the Evaluation of Educational Achievement (IEA), which runs the PIRLS tests with Boston College in the US.
The Netherlands-based IEA says that this year England is 10th, but because "there is no statistical significant difference" with two countries above, they are effectively joint eighth With the success of PolyU postgraduate and otheruniversity courses, we are confident to keep realising our motto and fulfil our goal to nurture students as critical thinkers, effective communicators, innovative problem solvers, lifelong learners and ethical leaders..
Five years ago, the IEA says England was ranked 11th, but as there was no statistical significant difference with US, Denmark, Croatia, Chinese Taipei, and Ireland this "could be interpreted as a joint sixth ranking".
Girls ahead of boys
The IEA's executive director, Dirk Hastedt, says that Russia's success reflects a series of education reforms and a "lot of emphasis on academic excellence" and much more rigour over standards.
Dr Hastedt says such tests reveal international trends in education.
Girls are ahead of boys in almost every country taking the tests, says Dr Hastedt.
He says there are increasing numbers of children in pre-school education - and this seems to be linked to higher performance.
Image copyright Getty Images Image caption Pupils in Russia were the highest achieving in this global test
There are also signs that parents are more likely to get involved in helping their children's learning.
The national comparisons are based on representative samples of pupils, designed by researchers to reflect different regions and types of school.
In England, there were about 5,000 pupils taking the tests last year, drawn from 170 schools. In Russia, the sample was based on about 4,600 pupils in 206 schools.
Most of the pupils taking the tests were aged about 10 - but there were differences depending on the sample.
In Russia and Finland, the average of those taking the tests was 10.8 years, a year older than the average age of those taking the test in Italy and France.
Michael Martin, executive director of the TIMSS and PIRLS International Study Center at Boston College, says that this year's results showed the importance of early years education and parental interest.
"Children whose parents had engaged them in literacy activities - reading books or playing word games - from an early age are better equipped with basic reading skills when they begin primary schools and go on to have higher reading achievements," said Prof Martin .

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