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What do you drink? Have a bottle of mineral water!

This is probably the most common dialogue in daily outings, and we have become very accustomed to selling it in supermarkets.Small bottled water is called mineral water.For mineral water, it seems that no one has ever been as entangled as drinking drinks. Which brand is better?

Which brand is healthier?But is bottled water really all mineral water? Actually, it is not!

Today, we have selected seven kinds of bottled water that are most common to everyone from the bottled water on the market. Let’s take a look at the differences between these eight kinds of bottled water!

Bottled water is not as simple as you think, some are "pure" and some are "impure"

We are all used to calling bottled water mineral water, but in fact mineral water is just one of many kinds of bottled water. At present, mineral water is roughly divided into four types:

Wahaha is pure water without impurities.

Pure water:"Pure water without impurities" made by RO reverse osmosis membrane technology, distillation and other processes.

In principle, it can be said to be pure H2O. For example, Wahaha, Runtian and Nestle used in this test are all pure water.

Chunyue is artificially added mineral water.

Mineral water:Mineral water is generally made of urban tap water as raw water, then purified, added with minerals, sterilized and filled.

It can be seen that there are additives such as potassium chloride and magnesium sulfate on the ingredient list of some bottled water. Why should additives be added to drinking water?

This is artificial mineral water. Are these additives harmful to human body?

Please rest assured that all the products that can be marketed are products that meet the national Hygienic Standard for the Use of Food Additives (GB2760-2007). For example, the pure joy and ice dew in this test are all mineral water.

Nongfu Spring is natural water, not natural mineral water.

Natural water:Low-level treatment (filtration, ozone treatment, etc.) of surface water or underground spring water, artesian well water, etc., to retain the mineral elements necessary for human body in raw water. For example, the most classic Nongfu Spring is typical natural water.

Baisui Mountain is a natural mineral water.

Natural mineral water:Water containing a certain amount of minerals and trace elements is collected by natural gushing or drilling in the deep underground. For example, the Baisui Mountain in this test is natural mineral water.

OK, after seeing the above categories, do you think that the water in these years has been wasted? There are so many classifications of bottled water, which used to be collectively called mineral water.

Test: Purity of pure water varies. Natural water contains more minerals.

So is the water that is nominally XX water really XX water? Next, we will test it through a professional small instrument to see how the water quality of each bottle is.

TDS and mineral content of 7 bottles of water were measured with TDS pen and mineral pen.

I don’t know, according to the measured results, there are some differences in the measured data of different bottled water due to different reasons such as purification equipment, formula and water quality.

Measured data of bottled water of various brands

The first is pure water. It can be seen that although the TDS values of the three products are very low after testing, they almost reach the standard of pure water, but onlyThe Wahaha family achieved 0, which is relatively the purest of the three bottles of pure water.Yes.

Next, let’s look at mineral water. I don’t know if it’s because we all buy mineral water under Coca-Cola (the same formula as the company? ), you can seeThe TDS and mineral content of the two products are similar..

Finally, natural water and natural mineral water, although the water source and processing methods are different, but from the perspective of minerals and TDS values,There is not much difference between the two data..

However, the artificially added mineral water, which is safer than everyone is worried about, is rich in dissolved solids even more than natural water according to the measured TDS data.

Therefore, it can basically be judged that the actual mineral raw materials added in each bottle of water are very small, so it is very safe.

Test results of PH value of different bottled water

First of all, I will give you a little knowledge. Don’t be too superstitious about drinking weak acid or weak alkali water. It is scientifically certified that as long as the water that meets the national standards is a good water source, weak acid and weak alkali will not have a positive or negative impact on the human body, and there is no therapeutic effect.

In addition, in the national standard GB5749-2006, the PH value should be between 6.5 and 8.5 in cities and towns and between 6.5 and 9.5 in rural areas, which is a conventional limit indicator. From the test results of 7 bottles of bottled water, the difference of pH is also different.

Comment: Which bottle of water should I drink?

First of all, you should make it clear that the main purpose of bottled water is to quench your thirst, so no matter whether you drink pure water or mineral water, most normal users are also trying to quench their thirst, so there is no difference between good and bad in theory.

Some people may say that mineral water and natural mineral water contain minerals, which can supplement trace elements, but in fact, the content is really very small, which is basically not very helpful to the human body.

Including some high-end bottled water imported from abroad, in fact, there is little difference between ordinary water and human health, mainly depending on personal habits and consumption power.

　　On June 19th, 2022, the Xiangjiang section of Quanzhou County, Guilin City, Guangxi Province, was hit by the rising water level of rainstorm river. People’s visual map

　　From 20: 00 on June 19 to 20: 00 on June 20, there were heavy rains in parts of northeastern Inner Mongolia, northern and eastern Jiangnan, and northern South China. Among them, there were heavy rains in parts of northwestern Jiangxi, central Zhejiang, northeastern Guangxi, and local heavy rains in northwestern Jiangxi and central Zhejiang. Thunderstorms occur in parts of northwestern Hebei, northeastern and central Inner Mongolia, southern Heilongjiang, southern Anhui, southwestern Jiangxi, eastern Guangdong, southwestern Chongqing, eastern Sichuan, northeastern Guizhou, central Ningxia and southwestern Tibet. In addition, there are fogs in northern Hebei, Beijing, Tianjin, northern Jilin, eastern and southwestern Liaoning, eastern Shandong, southern Jiangsu and southwestern Chongqing.

　　The main sections affected by heavy rain are:

　　Beijing-Taiwan Expressway (G3) in Huangshan, Anhui Province

　　Beijing-Hong Kong-Macao Expressway (G4) Linxiang, Hunan — Yueyang — Kaihui section, section in Changsha, Yizhang, Hunan — Shaoguan, Guangdong — Guangzhou section

　　Shenhai Expressway (G15) in Shaoxing, Zhejiang, Ningbo, Zhejiang — Taizhou — Wenzhou — Ruian section

　　Changtai Expressway (G15W) Shaoxing, Zhejiang — Shengzhou — Taizhou section

　　Yongjin Expressway (G1512) Ningbo, Zhejiang — Shengzhou — Jinhua section

　　Wenli Expressway (G1513) Wenzhou, Zhejiang — Lishui section

　　Changshen Expressway (G25) in Zhuji, Zhejiang, Jinhua, Zhejiang, Lishui, Zhejiang — Yunhe section

　　Ji-Guang Expressway (G35) the boundary between Henan and Anhui provinces — Jingdezhen, Jiangxi — Yingtan section

　　Daguang Expressway (G45) Conghua, Guangdong — Guangzhou section

　　Chang-Zhang Expressway (G5513) Changsha — Yiyang section of Hunan province

　　Hangrui Expressway (G56) in Hangzhou and the boundary between Zhejiang and Anhui provinces — Huangshan section of Anhui and the boundary between Anhui and Jiangxi provinces — Jingdezhen, Jiangxi — Jiujiang section

　　Shanghai-Kunming Expressway (G60) in Hangzhou, Jinhua, Zhejiang — Nanchang — Xinyu section in Jiangxi and Shaoyang in Hunan — Longhui — Dongkou section

　　Baomao Expressway (G65) Yangshuo, Guangxi — Pingle — Zhongshan section

　　Fuyin Expressway (G70) Jiangxi Nancheng — Fuzhou — Jiujiang — Huangmei section of Hubei province

　　Quannan Expressway (G72) Yongzhou, Hunan — Hunan-Guangxi provincial boundary — Quanzhou section of Guangxi, Guilin section of Guangxi, Luzhai of Guangxi — Liuzhou section

　　Lanhai Expressway (G75) in Duan, Guangxi

　　Shankun Expressway (G78) Hezhou, Guangxi — Zhongshan — Pingle section, Liuzhou, Guangxi — Yizhou section

　　Hangzhou Bay Ring Road (G92) Hangzhou — Shaoxing, Zhejiang, Ningbo, Zhejiang.

　　Hangzhou Xinjing Expressway Fuyang, Zhejiang — Tonglu — Jiande section

　　Longli Expressway Zhejiang Longyou — Lishui section

　　Taijin Expressway, Zhejiang Linhai — Xianju — Hengxi section

　　Changsha section of Changliu Expressway

　　National Highway 104 Hangzhou — Shaoxing, Zhejiang — Wenzhou — Pingyang section

　　Jiujiang, Jiangxi, National Highway 105 — Nanchang — Xin ‘gan Section and Guangdong Lianping — Guangzhou section

　　Longgang, Hubei Province, National Highway 106 — Chongyang — Pingjiang, Hunan — Liuyang section, Rucheng, Hunan — Shaoguan, Guangdong — Guangzhou section

　　National Highway 107, Yunxi, Hunan — New city — Changsha Section and Yizhang, Hunan — Qingyuan, Guangdong — Guangzhou section

　　National Highway 111, Ang ‘angxi, Heilongjiang — Qiqihar — Fuyu section

　　205 National Highway Anhui Tanjia Bridge — Huizhou — Huangshan — Pucheng, Fujian — Xiaohu section

　　National Highway 206 from Anhui East to — Jingdezhen, Jiangxi — Yingtan — Nanchengduan

　　Shaoyang, Hunan, 207 national highway — Hezhou, Guangxi — Wuzhou section

　　Hunan Passage of National Highway 209 — Liuzhou section of Guangxi

　　Dushan, Guizhou, National Highway 210 — Nandan, Guangxi — Duan — Mashan section

　　National Highway 301 in Qiqihar, Heilongjiang Province

　　Shaowu, Fujian, National Highway 316 — Fuzhou, Jiangxi — Nanchang — Jiangxi-Hubei provincial boundary section

　　Section of National Highway 319 in Liuyang, Hunan, Changsha — Yiyang section of Hunan province

　　Section of National Highway 320 in Hangzhou and Fuchun River in Zhejiang — Jiande — Quzhou — Shangrao, Jiangxi — Yingtan — Nanchang — Wanzai Section and Kangqiao in Hunan — Shaoyang — Longhui section

　　National Highway 321, Wuzhou, Guangxi — Guilin section

　　Qidong, Hunan Province, National Highway 322 — Guilin section of Guangxi and Luzhai section of Guangxi — Liuzhou — Heshan section

　　Jiangxi Dayu, National Highway 323 — Guangdong Nanxiong — Hezhou, Guangxi — Liuzhou — Hechi — Bama section

　　Tianlin, Guangxi, National Highway 324 — Jiuzhou section

　　National Highway 329 Hangzhou — Shaoxing, Zhejiang and Cixi, Zhejiang — Ningbo section

　　National Highway 330 Wenzhou, Zhejiang — Lishui section, Zhejiang Jinhua — Lanxi — Shou Chang section

　　The main sections affected by thunderstorms are:

　　Beijing-Taiwan Expressway (G3) Lujiang, Anhui — Tongling section

　　Beijing-Hong Kong-Macao Expressway (G4) Guangzhou — Shenzhen section of Guangdong province

　　Beijing-Tibet Expressway (G6) Huailai, Hebei — Zhangjiakou — Huai ‘an Section and Pingluo, Ningxia — Yinchuan — Wu Zhong — Zhongning section

　　Jingxin Expressway (G7) Huailai, Hebei — Zhangjiakou — Huaian section

　　Suiman Expressway (G10) in Harbin

　　Harbin-Nantong Expressway (G1011) in Harbin

　　Shenhai Expressway (G15) Shenzhen, Guangdong — Guangzhou section

　　Dingwu Expressway (G2012) Ningxia Zhongning — Zhongwei Duan

　　Changshen Expressway (G25) Xingning, Guangdong — Longchuan — head river

　　Hurong Expressway (G42) in Daying, Sichuan

　　Ningwu Expressway (G4211) Maanshan, Anhui — Wuhu section

　　He ‘an Expressway (G4212) Lujiang, Anhui — Huaining — Anqing section

　　Daguang Expressway (G45) Ganzhou, Jiangxi — Longnan section

　　Longhe Expressway (G4511) in Longnan, Jiangxi and Heyuan, Guangdong.

　　Shanghai-Chongqing Expressway (G50) Huzhou, Zhejiang — Xuancheng, Anhui — Wuhu section, Chizhou, Anhui — Anqing — Jiezidun section

　　Wuhu Expressway (G5011) in Wuhu, Anhui Province

　　Baomao Expressway (G65) in Dazhou, Sichuan Province

　　Fuyin Expressway (G70) Ninggan Provincial Boundary — Guyuan, Ningxia — Wu Zhong — Yinchuan section

　　Guangzhou-Kunming Expressway (G80) in Guangzhou

　　Pearl River Delta Ring Road (G94) in Zhuhai, Guangdong, Dongguan, Guangdong — Shenzhen whole line

　　Xuanda Expressway Hebei Xuanhua — Yangyuan section

　　Zhangshi Expressway Zhangbei, Hebei — Xuanhua section

　　Guanghui Expressway Guangzhou — Zengcheng section of Guangdong province

　　National Highway 105 Ganzhou Jiangxi — Jinji section, Jiangxi Longnan section, Guangdong Zhuhai section.

　　Section of National Highway 107 in Dongguan, Guangdong

　　Section of National Highway 108 in Guangyuan, Sichuan and Zitong, Sichuan.

　　No.109 National Road, Hebei Huashaoying — Yangyuan section, Hangjinqi section in Inner Mongolia, Pingluo in Ningxia — Yinchuan — Yongning section, Zhongning section in Ningxia, Naqu section in Tibet.

　　Huailai, Hebei Province, National Highway 110 — Zhangjiakou — Huai ‘an section and Shizuishan section in Ningxia

　　National Highway 111 Horqin Right Wing Middle Banner in Inner Mongolia — Sudden spring — Ulanhot section

　　National Highway 112 in Xuanhua, Hebei Province, Huashaoying, Xuanhua, Hebei Province

　　National Highway 205, Maanshan, Anhui — Wuhu — Nanling section, Xingning, Guangdong — Longchuan — Heyuan section and Guangzhou section

　　206 National Highway Tongcheng, Anhui — Huaining — Anqing section, Jiangxi Ruijin section, Jiangxi Xunwu section.

　　Taibus Banner in Inner Mongolia, 207 national highway — The boundary section of Mongolia and Hebei Province and the section in Wanquan, Hebei Province.

　　Section of National Highway 210 in Dazhou, Sichuan

　　National Highway 211 Yinchuan — Lingwu section of Ningxia

　　Section of National Highway 212 in Yuanba, Sichuan, Langzhong, Sichuan — Southern section

　　Renshou, Sichuan, National Highway 213 — Jingyan — Qianweiduan

　　Section of National Highway 221 in Harbin

　　Section of National Highway 222 in Harbin

　　Acheng, Heilongjiang, National Highway 301 — Harbin section

　　Section of National Highway 302 in Ulanhot, Inner Mongolia

　　Section of National Highway 307 in Yinchuan

　　National Highway 309, Xiji, Ningxia — Ninggan provincial boundary section

　　Pingliang, Gansu, National Highway 312 — Longde section of Ningxia

　　National Highway 317 Tibet Dingqing — Baqing — Finger long — Kuomaduan

　　Anhui Guangde, National Highway 318 — Xuancheng — Chizhou — Anqing — Yuexi section and Tibet Dazi domestic section

　　Changting, Fujian, National Highway 319 — Ruijin section in Jiangxi and Pengshui in Chongqing — Wulongduan

　　National Highway 320 in Yuping, Guizhou Province

　　National Highway 323 Jiangxi Ruijin — Ganzhou — Nankang section of Jiangxi province

　　Section of National Highway 324 in Zengcheng, Guangdong

　　National Highway 326 along the river in Guizhou — Dejiang section

　　The main sections affected by fog are:

　　Jingha Expressway (G1) in Suizhong, Liaoning Province

　　Beijing-Shanghai Expressway (G2) in Tianjin and Taixing in Jiangsu.

　　Beijing-Taiwan Expressway (G3) in Tianjin

　　Beijing-Tibet Expressway (G6) Beijing — Changping — Boundary section of Beijing-Hebei province

　　Jingxin Expressway (G7) Beijing — Changping — Boundary section of Beijing-Hebei province

　　Heda Expressway (G11) in Dalian

　　Shenhai Expressway (G15) Wafangdian, Liaoning — Dalian section, Shandong Qixia domestic section, Shandong Rizhao domestic section, Jiangsu Ganyu domestic section, Jiangsu Dongtai — Rugao section

　　Rilan Expressway (G1511) in Juxian County, Shandong Province

　　Rongwu Expressway (G18) in Tianjin

　　Qingdao section of Qingyin Expressway (G20)

　　Qing-Xin Expressway (G2011) Qingdao Domestic Section

　　Changshen Expressway (G25) Tianjin Hangu — Tianjin section

　　Shanghai-Shaanxi Expressway (G40) in Haimen, Jiangsu Province and Jiuhua, Jiangsu Province

　　Shanghai-Chongqing Expressway (G50) in Chongqing

　　Baomao Expressway (G65) Sichuan-Chongqing provincial boundary — Chongqing section

　　Beijing-Tianjin-Tanggu Expressway Tianjin — Tanggu section

　　Tianjin-Jilin Expressway in Tianjin

　　Tanggang Expressway Tangshan, Hebei Province — Luannan section

　　Coastal Expressway in Tanghai, Hebei Province — Fengnan — Tianjin-Hebei provincial boundary section

　　National Highway 102 in Suizhong, Liaoning Province

　　National Highway 103 Tianjin — Tanggu section

　　Section of National Highway 104 in Tianjin

　　Section of National Highway 105 in Tianjin

　　Section of National Highway 110 in Beijing

　　Section of National Highway 111 in Fengning, Hebei Province

　　National Highway 112 in Fengning, Hebei Province and Zunhua, Hebei Province

　　Tonghua, Jilin, National Highway 201 — Huanren section in Liaoning and Dalian section.

　　National Highway 202 in Jilin Baiqi, Pulandian, Liaoning — Dalian section

　　National Highway 204 in Ganyu, Jiangsu, and Dongtai, Jiangsu — Haian — Rugao section

　　National Highway 205 in Ninghe, Tianjin, Linyi, Shandong.

　　206 National Highway Juxian County, Shandong Province — Linyi section

　　Section of National Highway 210 in Chongqing

　　National Highway 306 in Suizhong, Liaoning Province

　　Section of National Highway 308 in Qingdao

　　National Highway 309 in Rongcheng, Shandong Province

　　Section of National Highway 319 in Fuling, Chongqing and Chongqing.

　　National Highway 327, Linyi, Shandong — Linshu section

　　National Highway 328, Taizhou, Jiangsu — Haian section

　　In view of the phenomenon that business loans and consumer loans illegally flow into the property market, the supervision is continuing to increase management.

　　A few days ago, the Shanghai headquarters of the central bank issued the "Guidelines for Shanghai Credit Policy in 2021" (hereinafter referred to as the "Guidelines"), requiring financial institutions to reasonably control the growth rate and proportion of real estate loans, and effectively prevent consumer loans and operating loans from illegally flowing into the real estate market.

　　The reporter learned that at present, the banking industry in Shanghai has conducted a comprehensive self-examination of consumer loans and operating loans, and some banks have taken back illegal loans in advance; At the same time, the bank has reported the relevant situation of self-examination and rectification to the regulatory authorities, and the regulatory authorities are doing a summary.

　　In addition to going overseas, CBN learned that the Shenzhen regulatory authorities recently convened a meeting of Shenzhen’s major commercial banks to investigate the inflow of business loans and consumer loans into the real estate market, and a special investigation was also started before the Spring Festival in Beijing.

　　Industry insiders interviewed by CBN said that the illegal inflow of business loans and consumer loans into the property market not only affected the order of the real estate market, but also was not conducive to solving the problem of financing difficulties and expensive financing for small and medium-sized enterprises, and even further led to the market funds being divorced from reality. Strict supervision will help business loans return to the essence and promote the healthy development of the property market to some extent.

　　Comprehensive self-examination of Shanghai banking industry

　　For the Shanghai banking industry, it has become one of the key tasks this year to strictly control the illegal inflow of operating loans and consumer loans into the real estate market. The above Guidelines emphasize that in 2021, financial institutions should strengthen the management of personal housing loans, strictly examine the authenticity of personal information of lenders, and effectively prevent consumer loans and business loans from illegally flowing into the real estate market.

　　As a matter of fact, before this regulation was re-voiced, the Shanghai Banking Insurance Regulatory Bureau issued the Notice of the Shanghai Banking Insurance Regulatory Bureau on Further Strengthening the Management of Personal Housing Credit in January, which put forward requirements for the commercial banks within its jurisdiction on the implementation of differentiated housing credit policies and housing credit management.

　　Among them, banks within their jurisdiction are required to conduct a comprehensive self-examination of consumer loans, business loans and personal housing loans issued since June last year; At the same time, the interception mechanism is put forward, which requires improving the monitoring and interception mechanism of credit funds, expanding the monitoring scope of the model and improving the monitoring effect. Substantive control measures should be taken in a timely manner for violations of confirmed uses.

　　CBN understands that all major banks in Shanghai are checking the flow of consumer loans and business loans. A related person from the risk management department of a state-owned bank told reporters that similar inspections will actually occur in previous years. It is a routine operation for banks to monitor the flow of post-loan funds. Banks generally search the keywords of the recipients, and then check the clues that hit the keywords twice. "It’s just that this year is stricter."

　　As for the specific self-examination of banks, an assistant to the president of a city commercial bank branch told reporters that it mainly depends on the borrower and the flow of funds. For example, in the aspect of checking operating loans, first judge whether the borrower is a newly registered shell company, whether there is a normal business settlement transaction flow, and whether it is consistent with the characteristics of the main business.

　　Then look at the flow of funds, including whether the payment counterparty is a normal business partner, whether it meets the business characteristics, and whether the payment amount meets the consistent settlement scale; At the same time, we should also pay attention to the capital inflow of actual controllers and affiliated enterprises, mainly to prevent the actual capital from returning after formal payment and then entering the property market.

　　After the bank’s self-inspection, the regulatory authorities will also check and punish the violations accordingly. It is reported that banks in Shanghai are required to submit self-inspection and rectification reports to the Shanghai Banking Insurance Regulatory Bureau before February 28. The reporter learned that at present, banks have reported relevant information, and the Shanghai Banking Insurance Regulatory Bureau is sorting it out.

　　In addition to strictly controlling the illegal inflow of credit funds into the property market, the Guidelines also stated that financial institutions should reasonably control the growth rate and proportion of real estate loans, strictly implement differentiated housing credit policies, and give priority to supporting the first set of demand for home ownership. This means that under the multi-party control, the bank’s housing-related funds will be restricted.

　　In this context, many insiders believe that this year’s bank credit will face structural adjustment, that is, banks will reduce the proportion of housing mortgage loans and real estate development loans, and increase other retail and corporate loans. For example, explore other areas of high-quality credit supply and appropriately adjust the proportion of public and retail businesses. "Our bank will pay attention to small and micro industries, green and low-carbon industries, science and technology industries, pharmaceutical industries and so on." The above-mentioned city commercial bank branches help to call.

　　Many places have also started investigations.

　　In addition to the Shanghai area, CBN learned that the Shenzhen regulatory authorities recently convened a meeting of Shenzhen’s major commercial banks, demanding that business loans and consumer loans flow into the real estate market for investigation. A person from a joint-stock bank said that he had received relevant notice.

　　A person from Shenzhen Branch of a large state-owned bank previously told CBN that in recent two years, the supervision and inspection of operating loans and consumer loans has not been relaxed, which has become a routine action. Last year, the bank was punished by supervision because its customers used operating loans to illegally speculate in real estate, and another big bank was also punished earlier.

　　The reporter learned that this is a special inspection, which is different from the previous routine spot checks. The president of Shenzhen Sub-branch of a stock bank said that the main contents of the inspection are whether the mortgage property has been transferred for 8 months when applying for a loan, whether the loan has been issued for 6 months, and whether the lender and spouse have a record of buying a house in the last 3 months.

　　This is also the second time since April 2020 that Shenzhen has investigated real estate speculation by operating loans. On April 20th last year, Shenzhen Banking Insurance Regulatory Bureau and Shenzhen Central Sub-branch of the People’s Bank of China jointly held a forum, requiring commercial banks to conduct a comprehensive investigation on whether credit funds flowed into real estate in violation of regulations. In principle, it is required that when applying for business loans from banks, borrowers should hold the real estate used as collateral for no less than six months.

　　Bankers in Shenzhen said that the real estate speculation of business loans and consumer loans found in routine inspections was generally due to lax examination of bank loans, or the time between misappropriation and obtaining loans was too short, and the actual capital flow was not hidden when using loans. In order to avoid revealing the actual use, many lenders use multi-account transfer to hide the actual flow of loans.

　　Beijing, Guangdong and other places have also begun to investigate the illegal flow of business loans into the property market. On February 1st, Beijing Banking Insurance Regulatory Bureau issued an announcement to carry out big data screening in view of some property buyers misappropriating consumer loans and operating loan funds as the purchase price, and to investigate the transaction cases in hot areas since January 25th.

　　The above actions mainly verify the behavior of the purchaser and immediate family members who recently applied for the use of business loans in the full purchase of houses. In response to the previous "hype" in the housing market in Beijing school district, relevant departments also focused on the verification of housing transactions in hot school districts such as Financial Street, Dewai, Haidian Wanliu and Zhongguancun in Xicheng District.

　　Take the case that was investigated as an example. Someone newly registered a small and micro enterprise last year. Within a few days after registering the enterprise, he signed a second-hand house in the key school district of Xicheng District. In the following months, he applied for several million yuan of operating loans from two banks.

　　With the cooperation of banks, inspectors will investigate where the business loan was used after it was issued, and whether it flowed into the accounts of other shell companies through false business contracts. Due to the illegal entry of business loan funds into the property market, it is often necessary to "pour out" after multiple payments, and inspectors will check the final flow of each fund.

　　According to media reports, on March 11th, various banking institutions in Guangdong comprehensively investigated the special risks of illegal inflow of credit funds into the property market, and strengthened the audit of operating loans and consumer loans under the guidance of financial supervision departments.

　　In the eyes of the industry, it is necessary to crack down on illegal business loans. According to this year’s government work report, large commercial banks’ loans to small and micro enterprises will increase by more than 30%, and if the loopholes of illegal business loans entering the property market cannot be blocked, more funds will enter the property market in the guise of entity financing, which will boost the property market speculation.

　　The wind of speculation in the property market may be suppressed.

　　If the investigation and rectification of operating loans are carried out in many places, it will help to curb the speculation in the property market. Pan Hao, a senior analyst in RealData, believes that cities, especially big cities, which are expected to see their house prices rise too fast will strengthen the supervision of "illegal funds" flowing into the property market, and the measure of "recovering loans in advance" will have a deterrent effect on real estate speculators.

　　"If there is a violation of regulations, it will have a great impact on the property market in hot cities, especially for first-tier cities such as Beijing, Guangzhou and Shenzhen." Li Yujia, chief researcher of Guangdong Housing Policy Research Center, told CBN.

　　"Operating loans are all leveraged to buy houses, and some of them are replaced by operating loans under the encouragement of financial intermediaries. This is also illegal. If you really check it out, every pen can’t escape. " Li Yujia said that the final result is that many people will sell their houses.

　　Lu Wenxi, chief analyst of Shanghai Zhongyuan Real Estate, told reporters that from the perspective of real estate types, strict investigation of real estate speculation by operating loans will have an impact on high-end projects, especially luxury residential projects. "Generally, people who buy luxury products are business owners. They often set out the money for business loans through various channels. After this method is strictly investigated, the moisture of luxury projects may be squeezed out."

　　Guo Yi, chief analyst of Heshuo Agency, told the reporter that the speculative demand will indeed cool down because of this round of strict investigation for the people who are more popular in real estate speculation and use more business loans. However, in those cities with relatively stable markets, similar phenomena are less, for example, most cities in the north will be less affected.

　　Li Yujia also said that all parties involved in illegal business loans, including commercial banks, will be severely punished. Recently, local banking regulatory bureaus have announced a number of cases of illegal business loans, and the penalties for banks are relatively strong.

　　Zhang Dawei, chief analyst of Zhongyuan Real Estate, said that the core reason for operating loans flowing into the property market is the spread of mortgage loans, and it is also related to banks being both athletes and referees in the process of lending. He believes that from the bank’s point of view, the risk of operating loans is relatively higher than that of mortgage loans, but the interest rate of operating loans is lower than that of mortgage loans under the policy requirements, so banks are out of shape at the implementation level.

　　"The recent crackdown on some behaviors of using new premises and new enterprises to register for business loans in the short term is very powerful. The strength of this policy will definitely curb the overheating of the market, let the operating loan return to its essence, help the business operation, and restrain the irrational and unhealthy development of the entire property market to a certain extent. " Zhang Dawei said.