佛山大专在校读考试题目

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大家好，我是主持人李莹亮。

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重点提要

• China new bank lending nearly doubled in September, while social financing also beat market expectation.

• IMF cuts 2023 global GDP growth forecast to 2.7% and warned "the worst is yet to come."

中国经济要闻

China's newly added social financing and yuan loans greatly surpassed market expectations in September, according to the latest official data, proving the efficacy of China's support policies to stabilise the economy.

Chinese banks extended 2.47 trillion yuan ($344.58 billion) in new yuan loans in September, nearly doubled from 1.25 trillion yuan in August and far exceeded 1.66 trillion yuan a year earlier, data released by the People's Bank of China (PBOC) showed on Tuesday.

Household loans, including mortgages, rose to 650.3 billion yuan in September from 458 billion yuan in August, while corporate loans rocketed to 1.92 trillion yuan from 875 billion yuan, central bank data showed.

Under the continuous promotion and acceleration in implementing policies to stabilise economic growth, the demand for credit in the enterprise and residential sectors has rebounded, with loose credit policies further speeding up, experts noted.

New yuan loans totalled 18.08 trillion yuan in the first nine months, rising 1.36 trillion yuan from a year earlier, central bank data showed.

Growth of outstanding total social financing (TSF), a broad measure of credit and liquidity in the economy, quickened to 10.6 percent in September, up from 10.5 percent in August. In September, TSF rose to 3.53 trillion yuan from 2.43 trillion yuan in August.

The central bank said in late September that it would increase efforts to consolidate an economic recovery, citing risks to the global economy and pledging to implement prudent monetary policy and to keep liquidity ample. It also lowered the interest rate for housing provident fund loans by 15 basis points for first-time home buyers from Oct. 1, in a bid to prop up the embattled property market.

For the fourth quarter, analysts believe that the progress of the economic recovery will be closer to normal growth. With the continuous introduction of measures to stabilise the property market, the credit will keep increasing in October. Meanwhile, loose credit policies will be further promoted, laying a solid foundation for promoting the recovery of the macroeconomic operation as soon as possible.

经济修复进度加快，9月金融数据超预期。10月11日晚，央行发布2022年前三季度金融统计数据。数据显示，前三季度我国新增信贷、社融规模可观，9月份新增信贷、社融规模超预期上升。

9月新增社融3.53万亿元，比上年同期多6245亿元，明显超出市场预期的2.8万亿元；虽然基数走高，但9月社融存量同比增速从8月的10.5%上升到9月的10.6%。

前三季度，人民币贷款增加18.08万亿元，同比多增1.36万亿元。9月新增人民币贷款2.47万亿元，同比多增8108亿元，大超市场预期的1.8万亿元。分部门看，9月居民贷款新增6503亿元，同比少增1383亿元，但较上月继续增加1923亿元，其中，居民中长期贷款增加3456亿元，为三季度以来最高水平，表明居民消费信心持续恢复。同时，在降息、减税和房地产市场供需两端政策进一步加码下，市场信心逐步修复，房地产销售边际改善，提振居民按揭贷款需求。

初步统计，9月末社会融资规模存量为340.65万亿元，同比增长10.6%，增速较8月高0.1个百分点；社会融资规模增量为3.53万亿元，比上年同期多6245亿元。前三季度，社融规模增量累计为27.77万亿元，比上年同期多3.01万亿元。

另外，前三季度企（事）业单位贷款增加14.48万亿元，其中，短期贷款增加3.28万亿元，中长期贷款增加8.65万亿元，票据融资增加2.5万亿元；非银行业金融机构贷款增加224亿元。这反映企业发展信心增强，融资需求明显回暖。

展望未来，专家认为，四季度是各类财政金融稳增长政策的集中显效期，经济修复进度也会进一步朝着正常增长水平靠拢，加之稳楼市措施还会持续出台，10月信贷会继续呈现同比多增势头。10月加发5000多亿专项债开闸，且在月末要基本发完，社融保持同比多增悬念不大。这意味着短期内宽信用还会进一步推进，这将为推动宏观经济尽快回归常态化运行轨道奠定坚实基础。

• China's per capita disposable income stood at 35,在引入现代学徒制前后，会对评估师、业务导师、学徒进行培训，培训内容包括知识和技能。知识培训非常适合在线培训或者移动终端上的培训。让学习者利用自己碎片化的时间去学习。大大降低培训实施带来的住宿、交通、讲师费用等成本。现代学徒制引入辅导时，内审会议将在现场考核评估师之外召开，标准化会议和团队会议可以视频会议的形式在线召开。这也是互联网技术的常用方式。现代学徒制的教与学的评价采用多层质量保证模式。除了现场测评，在证据审查、学习课件提供、学习计划公布、学习进度统计等方面，都可以借助互联网技术建立现代学徒制管理平台。徒弟和评估师，评估师和内审员可以随时互动交流。128 yuan in 2021, up 112.8 percent from 2012. It brought the average annual nominal growth rate to 8.8 percent in the past decade. After deducting price factors, the average annual real growth rate was 6.6 percent, basically in line with the expanding economy, according to the National Bureau of Statistics (NBS) on Tuesday. In 2021, the per capita disposable income of urban and rural residents were 47,412 yuan and 18,931 yuan, growing 96.5 percent and 126 percent over 2012, respectively.

  我国居民收入10年保持较快增长：国家统计局10月11日发布数据，2021年全国居民人均可支配收入35128元，比2012年的16510元增加18618元。2013—2021年居民人均可支配收入年均实际增速快于人均国内生产总值增速0.5个百分点。同时，城乡居民收入差距持续缩小。2021年城镇居民人均可支配收入47412元，比2012年增长96.5%；农村居民人均可支配收入18931元，比2012年增长125.7%。

• The International Monetary Fund (IMF) on Tuesday cut the global growth forecast for 2023 to 2.7 percent, 学徒制培训面向符合企业岗位要求的中级工、高级工、技师、高级技师。培训期为1-2年，特殊情况可延长至3年。各类企业特别是规模以上企业，可以通过举办培训班、强化班等形式，采取灵活的学制和学分制等管理手段，按照“一课一方案”开展学徒制培训。中小企业培训师少的，由当地工商联及其所属商会会同当地人力资源社会保障部门，根据培训职业，协调集中一批中小企业开展培训。学徒培训期间，企业应当按照《劳动合同法》的规定支付工资，工资不得低于企业所在地的最低工资标准。 0.2 percentage point lower than its July forecast, saying, "for many people, 2023 will feel like a recession.” As the world feels the effects of the Ukraine conflict and high inflation, a third of the global economy is poised to contract this year or next "amid shrinking real incomes and rising prices," said the IMF in its latest World Economic Outlook report. The organisation maintained its forecast for global economic growth for 2022 at 3.2 percent.

  IMF下调明年全球经济增长预测至2.7%：国际货币基金组织（IMF）周二在其发布的《世界经济展望》中表示，2023年全球经济增长将放缓至2.7%，比7月的预测低0.2个百分点。IMF表示：“最糟糕的时候尚未到来，对许多人来说，2023年将感觉就像是一场衰退。”IMF预计，今年全球GDP增长稳定在3.2%，但远低于2021年的6%。IMF称，全球超过三分之一的经济体将连续两个季度出现负增长，美国、欧盟等经济体将继续放缓。

区域观察

• Shanghai had basically built a global financial centre in conformity with China's economic strength and the yuan's international 教育是人类追求幸福生活的延伸需求。通过教育，一方面可以提高自己的精神文明，另一方面可以提高自己的物质回报。因为父母望子成龙，所以很重视孩子的教育。他们选择学校的关键因素是学校的名气或知名度。更具体地说，家长最关心的是孩子毕业后的综合素质和专业能力。他们期望他们的孩子在学校获得丰富的知识，熟练的技能和综合素质。学了之后可以为家庭和社会做贡献！学徒制现在是帮助学生顺利转型为专业人士的有效方式。专业标准涵盖了他们毕业后想要从事的知识、技能和素质。 status as of 2020, officials said at a press conference on Tuesday. Shanghai's total financial market turnover jumped from about 528 trillion yuan ($73.6 trillion) in 2012 to 2.5 quadrillion yuan in 2021. The market's direct financing value in 2021 was nearly five times that of 2012, while its cross-border yuan settlements surged about 47 percent on an average annual basis over the past ten years, with the city's stock market turnover nearly doubling. In 2021, financial added value accounted for 18 percent of the city's GDP, compared with 11 percent in 2012, according to the Shanghai branch of the PBOC.

  上海金融市场交易额10年增近4倍：10月11日，上海召开主题为“新时代上海国际金融中心建设的成就与展望”发布会。会上，来自监管部门的多位人士总结了上海国际金融中心建设的情况。2012年至2021年十年间，上海金融业增加值占GDP的比重从11%增长到18%，今年上半年为21.3%；金融市场交易总额从528万亿元增长到2511万亿元，增长近4倍；上交所股票市场规模达49万亿元，增长近2倍，并从全球第七位跃居第三。如今，上海已基本建成与国家经济实力和人民币国际地位相适应的国际金融中心。

• In the first eight months this year, Yiwu in Zhejiang Province, the world's largest wholesale market for small commodities, exported 190 million yuan worth of warming equipment such as air conditioners, heat pumps, water heaters and electric blankets, up 41.6 percent on a yearly basis, data by local customs showed Tuesday.

  义乌取暖设备出口大增：义乌海关数据统计，1-8月，义乌市出口保暖用品，包括空调、热泵、热水器、电热毯等共计1.9亿元，同比增长41.6%。

• A least 19 localities, including Nanchang in Jiangxi Province, Zhengzhou in Henan Province and Foshan in Guangdong Province, have issued coupons for housing purchases in a bid to boost the flagging property market, which are valid for buying homes or the furnishings, media reported Tuesday.

  至少19城购房发放消费券：11日报道，据不完全统计，至少包括河南郑州、内蒙古呼和浩特、吉林长春、浙江舟山、山东枣庄、山东济宁、广西合山、吉林吉林、重庆、福建泉州、山东聊城、宁夏银川、江西南昌、吉林四平、贵州遵义、广东佛山、贵州黔西南、广东江门、吉林延吉等19个地方政策中提及购房发放消费券等相关活动。消费券类型主要分两类，购房补贴及家电装修消费券。

新使命，大未来

• Five Hong Kong universities have been listed among the top 100 in the World University Rankings 2023, with the University of Hong Kong taking the 31st spot, according to the rankings released on Wednesday. The Chinese University of Hong Kong rose four spots to 45th, while the Hong Kong University of Science and Technology climbed from 66th to 58th. The City University of Hong Kong jumped from 151st to 99th. Seven universities on the Chinese mainland also made it in the top 100, with Tsinghua University ranking 16th, the highest among all Asian universities.

  香港5所大学跻身全球百大：12日消息，国际教育机构泰晤士高等教育(THE)公布“2023年世界大学排名”。这次香港的大学排名良好，共有5所大学进入前一百的排名，分别是香港大学、香港中文大学、香港科技大学、香港理工大学、香港城市大学。香港排名最高的大学是香港大学(31名)，香港中文大学排名上升4位至45名，香港科技大学排名由第66名上升至58名，香港理工大学排名由上91名升至79名。突破成前百的还有香港城市大学，由第151名大幅度上升至第99名。中国内地7所高校进入TOP100，清华大学排名16，为亚洲最高。

产业及公司新闻

• China's trade in services valued at around 3.94 trillion yuan during the first eight months of the year, surging 20.4 percent year-on-year, according to the Ministry of Commerce on Wednesday. Service exports were up 23.1 percent to reach 1.91 trillion yuan during this period, while the imports were 2.03 trillion yuan, an increase of 17.9 percent on a yearly basis, resulting in a 29.5 percent decline year-on-year in trade deficit.

  前8月我国服务贸易增长20.4%：商务部网站10月12日消息，1-8月，我国服务贸易继续保持平稳增长。服务进出口总额39375.6亿元人民币，同比增长20.4%。其中，服务出口19082.4亿元，同比增长23.1%；进口20293.2亿元，同比增长17.9%。1-8月我国服务贸易出口增幅大于进口5.2个百分点，带动服务贸易逆差下降29.5%至1210.8亿元。

• China invested a record 823.6 billion yuan in water conservancy facilities from January to September, up 64.1 percent year-on-year, the Ministry of Water Resources said on Tuesday, completing the annual target of investing 800 billion yuan in water conservancy projects three months ahead of schedule. During the first nine months, China began construction on 42 new major water conservancy projects, with a combined investment of over 1.9 trillion yuan.

  水利重点目标提前三个月完成：水利部副部长刘伟平11日表示，截至9月30日，今年重点推进前期工作的55项重大水利工程已开工30项，6项新建大型灌区全部开工，全国完成水利建设投资8236亿元，创历史新高，同比增长64.1%，提前三个月完成年初国务院常务会议确定的三项水利重点年度目标任务。1-9月，新开工重大水利工程累计达到42项，全国水利工程在建项目3.77万个，投资规模超过1.9万亿元。

• China's Gotion Hi-Tech, a Volkswagen-backed battery maker, will partner with Sumec, a unit of state-owned China National Machinery Industry, to sell its battery products abroad. The two sides agreed to promote the sales of Gotion’s battery products and provide green energy solutions for both industrial and retail clients overseas by using Sumec’s sales network and product integration capabilities, the EV battery company said in a statement on Tuesday. The sales target is 10 gigawatt-hours for the next three years, it added.

  国轩高科、苏美达合作储能项目：11日晚间，国轩高科与苏美达双双发布公告，双方已于10月9日签署战略协议，拟在电力工程特别是储能领域开展全方位合作，预计未来三年合作储能项目总量预计达10GWh。根据协议约定，本次双方将聚焦国内储能项目、海外储能市场开拓、出口业务等三方面开展合作。

• Kanzhun Ltd., the operator of Chinese online recruitment platform Boss Zhipin, has filed for a dual primary listing in Hong Kong to raise funds for its core technologies, such as smart matching, data security, and risk assessment, according to its filing to the Hong Kong Stock Exchange late Monday.

  BOSS直聘申请港股双重上市：10月10日晚，BOSS直聘向港交所递交双重主要上市申请，计划同时在美国纳斯达克交易所和香港联交所上市。本次双重主要上市所募集的资金将用于智能匹配等核心技术能力、数据安全和风险评估能力等方面。

• Shenergy, which mainly focuses on energy supply services in east China, got regulatory approval to the plan for a large offshore wind power project in southern island province of Hainan. With an overall installed capacity of 1.2 gigawatts, Shenergy will invest a total of 15 billion yuan on the project.

  申能海南风电项目获批：10月10日，申能股份发布公告称申能海南CZ2海上风电示范项目获得核准批复。根据《公告》，本项目的海上风电场建设地点为儋州市西北部海域，建设总装机规模120万千瓦。项目总投资约150亿元，其中资本金约30亿元，占总投资的20%，由海南申能新能源有限公司出资建设。

金融市场消息

• The PBOC on Wednesday vows to push forward with R&D work and expand pilot program for the digital yuan, or the e-CNY, to give a full play to its advantage. The central bank wrote in an article that it will support the use of digital yuan in finance, taxation and government affairs, as well as connect the e-CNY with other forms of e-payment to make it possible for users to pay with a universal QR code.

  扎实开展数字人民币研发试点工作：12日央行数字货币研究所发文表示，支持在财政、税收、政务等对公领域发挥数字人民币优势，为政府数字化和智能化治理提供先进的支付服务。实现数字人民币体系与传统电子支付工具的互联互通，让消费者可以“一码通扫”，商户也尽量不用增加成本即可支持各类支付工具。持续推进数字人民币无障碍和适老化能力建设，完善无障碍产品规范和标准体系。继续深化国际合作，深度参与数字货币领域国际治理建设。

• The central bank on Tuesday pledged to make continued efforts to deepen reform in the foreign exchange market and refrain from drastic ups and downs in the Chinese currency. The PBOC emphasised that the exact renminbi exchange rate cannot be precisely predicted under the market-based foreign exchange formation mechanism. The two-way volatility of the Chinese currency is thus normal while a "one-sided" performance will not occur.

  人民币汇率不会出现“单边市”：10月11日，人民银行货币政策司发文《深入推进汇率市场化改革》，提出增强人民币汇率弹性，坚决抑制汇率大起大落。央行指出，从近年来走势看，人民币对美元双边汇率和美元指数没有一一对应关系，在市场化的汇率形成机制下，汇率的点位是测不准的，双向波动是常态，不会出现“单边市”。

• China Development Bank (CDB) has provided a total of 13.1 billion yuan in loans for 115 specialized and sophisticated small and medium-sized enterprises (SMEs) during the first three quarters, the country's policy bank said Wednesday.

  国开行131亿元支持“专精特新”：国家开发银行12日消息，截至今年9月末，该行今年已发放贷款131亿元，助力专精特新中小企业高质量发展，支持了44家国家级专精特新“小巨人”企业和71家省级专精特新中小企业。

股市收盘情况

• Chinese shares continued to rise on Wednesday, with the benchmark Shanghai Composite gaining 1.53 percent to stand above 3000 points, while the Shenzhen Component bounced 2.46 percent. Hong Kongstocksfell for a fifth day, as the Hang Seng Index slipped 0.78 percentto a new low since October 2011, and the Tech Index slid 0.27 percent.

  A股V型反弹港股续跌：周三A股三大指数低开高走，V型反转暴力拉升，截至收盘，沪指涨1.53%，重回3000点 ，深成指涨2.46%，创业板指涨3.6%，顺利收复2300点。港股冲高回落，恒指收跌0.78%，恒生科技指数跌0.27%。

Biz Word of the Day

财经词汇划重点

• Total Social Financing (TSF)is aliquidity measurement tool used in Chinasince 2011, comprising yuan loans from banks, foreign currency loans, trust loans, bank acceptance bills, corporate bonds and equity sales of the non-financial institutions. It has become prominent in recent times as a measure of monetary policy in that country. It sums up total fund raising by the non-state entities including individuals and non-financial corporate of China..

  社会融资是经济实体融资的重要补充形式，它弥补了单一银行融资渠道狭窄、资金量供不应求等方面的不足，有助于提升全社会融投资水平，提高资金利用效率，拉动经济快速增长。社会融资规模增量是指一定时期内实体经济从金融体系获得的资金额。社会融资总量除了包含金融机构新增贷款外，还进一步纳入股票、债券融资等，使货币流量统计延伸到股市和债市等渠道的融资来源，从而更加真实地反映社会经济资金的供求状况。

Executive Editor: Sonia YU

Editor: LI Yanxia

Host: Stephanie LI

Writer: Stephanie LI

Sound Editor: Stephanie LI

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Produced by 21st Century Business Herald Dept. of Overseas News.

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编委: 于晓娜

策划、编辑：李艳霞

播音：李莹亮

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