Morning Market and Weather Update for Xuyi
Today is Monday, July 27, 2026. The weather is overcast with a southeast wind at level 3. The morning low is 25°C, and the high today is 31°C.
Key Policy Meeting
Xuyi County recently held a meeting on enterprise employment guarantees. The session comprehensively reviewed the current state of human resources supply and demand, and researched key measures for talent attraction and workforce stability. County Mayor Yuan Kang attended and delivered a speech.
Major Focus: New Personal Loan Regulations
In response to irregularities in personal lending, the National Financial Regulatory Administration and the People's Bank of China have jointly issued the Regulations on Transparent Disclosure of Comprehensive Financing Costs for Personal Loans. Effective August 1, 2026, these rules require lenders to provide borrowers with a clear disclosure table of comprehensive financing costs, making all interest and fees for personal loans "sunshine-like" and transparent.
What is Comprehensive Financing Cost?
To accurately and fully reflect the actual financing costs borne by borrowers in personal loan transactions, the regulations specify that all costs related to personal loans must be included in the comprehensive financing cost. This encompasses, but is not limited to, loan interest, installment fees, credit enhancement service fees paid by the borrower under normal performance, as well as contingent costs like late payment penalties in the event of default. The regulations apply to all lending institutions, including banks, consumer finance companies, auto finance companies, trust companies, and small loan companies. Lenders are required to itemize for borrowers the specific cost items, collection methods, collection standards (converted to an annualized level), and the collecting entity. They must also clearly state that, apart from the disclosed cost items, no other loan-related fees will be charged by the lender or its partner institutions.
How Will Compliance Be Ensured?
For in-person personal loan applications, the borrower must sign and confirm the comprehensive financing cost disclosure table before signing the loan contract or initiating installments. For online personal loan applications, the lender must display the comprehensive financing cost disclosure table via a pop-up window, with a mandatory reading time, and the borrower must confirm it before signing the contract or starting installments. For installment payment services in online consumption scenarios, the relevant comprehensive financing cost information must be clearly displayed prominently on the order payment page. The regulations take effect on August 1 of this year, applying the "new and old loan separation" principle, meaning new business must strictly comply with the transparent cost disclosure requirements.
Summer Cooling: Air Conditioning vs. No Air Conditioning—Which is Healthier?
Each summer, the debate over whether to use air conditioning creates household disputes. Younger people prefer the cool comfort of running it all day, while some middle-aged and elderly individuals firmly believe constant AC use is unhealthy and choose to endure the heat. Recent authoritative studies have provided a surprising answer: long-term heat exposure can accelerate aging.
The Danger of Enduring High Heat is Severely Underestimated
Many middle-aged and elderly people believe that enduring the heat without AC only results in more sweating. However, recent studies confirm that high temperatures cause damage that is significantly underestimated.
1. Induces Metabolic Disorders
Research shows that the longer a person stays in an environment of 33.0°C to 36.9°C, the more their subsequent weight, BMI, and visceral abdominal fat area increase. Those exposed to extreme heat of 37°C or above for long periods have higher waist circumference and fasting insulin levels. This indicates that prolonged exposure to high temperatures not only has an immediate effect but can also persistently impair fat metabolism, making individuals more prone to fat accumulation and progressing toward obesity and metabolic disorders.
2. Accelerates Biological Aging
A 2025 study from the University of Hong Kong team, published in the international journal Nature Climate Change, analyzed data from nearly 25,000 adults. It found that increased cumulative exposure to high temperatures elevates a person's biological age, with effects comparable to long-term smoking or alcohol consumption. The more extreme heat events a person experienced, the greater the aging of their organs.
3. Increases Stroke Risk
Dr. Jing Ping, Director of the Neurology Department at Wuhan Central Hospital, explains that the brain requires 15-20% of the heart's cardiac output and 20-25% of the body's oxygen consumption, needing 700-1000 ml of blood flow per minute. In hot weather, the body redirects blood circulation to the skin for cooling, significantly reducing blood flow to the brain, leading to ischemia. Heavy sweating also depletes body fluids; without timely replenishment, blood volume decreases, it becomes thicker, and can form clots that block cerebral blood vessels. This dual impact can lead to ischemic stroke.
4. Impairs Cognitive Ability
A 2018 study from Harvard University's School of Public Health, published in PLOS ONE, found that high temperatures can damage cognitive abilities. Compared to those in air-conditioned rooms, people in hot, un-air-conditioned environments showed poorer concentration, slower reaction times, and reduced working memory.
Nighttime Heat: A More Dangerous "Silent Killer"
Many people might run AC during the day but turn it off at night fearing a chill. However, the damage from nighttime heat is more insidious and dangerous than daytime heat. International meteorological standards define a "tropical night" when the minimum nighttime temperature is 20°C or higher, and in many parts of China, summer nights often reach 25°C or more. Dr. Liu Pei, Deputy Chief Physician of General Practice at Tianjin Medical University General Hospital, notes that nighttime high temperatures have a more critical impact on health than daytime heat. The night is the body's core period for rest and repair from daytime heat stress, and persistent nighttime heat delivers a "four-fold blow."
1. Increases Mortality Risk
A multi-center East Asian study, integrating data from over 9.18 million residents across 28 cities in China, Japan, and South Korea, confirmed that after adjusting for daytime high temperatures, exposure to hot nights independently increases non-accidental mortality risk by 40-50%.
2. Strains the Cardiovascular System
Nighttime heat disrupts the autonomic nervous system, causing increased heart rate, peripheral vasoconstriction, and fluctuating blood pressure. This significantly increases long-term cardiovascular load and can easily trigger acute myocardial infarction, angina, and malignant arrhythmias.
3. Disrupts Sleep Quality
The comfortable sleep environment temperature is 24-25°C. Tropical night heat hinders the body's heat dissipation, directly causing difficulty falling asleep, lighter sleep, and reduced total sleep time. Chronic sleep deficiency continuously damages organ function.
4. Especially Dangerous for Vulnerable Groups
The elderly, children, pregnant women, and those with chronic conditions like hypertension or cardiopulmonary disease have weaker thermoregulation and heat damage repair abilities, making them high-risk groups for tropical night-related emergencies.
Five Tips for Healthy and Energy-Efficient Air Conditioning Use
Some people worry about getting sick from AC, not just the electricity bill. In reality, AC is not inherently a "health killer"; it's misuse that causes problems. Follow these five tips for comfortable and safe use.
1. Use the Right Mode
Prolonged use of the "Cool" mode can lower the temperature but leave the air feeling humid, and the direct cold airflow and large temperature swings can cause headaches, joint pain, or colds. Try the "Dehumidify" mode. This setting automatically reduces fan speed, allowing air to pass slowly over the evaporator coils to condense moisture. It doesn't blow icy air, minimizes temperature fluctuations, and feels gentler. When indoor humidity drops to 40-60%, sweat can evaporate normally, making the felt temperature drop by 2-4°C. It's recommended to use the dehumidify mode for no more than 2 hours at a time and not overnight, to avoid excessively dry air.
2. Set Appropriate Temperatures
The ideal temperature range is 26-28°C. During the day, 25-26°C is comfortable; at night, raise it to 27-28°C to avoid getting too cold later in the night. When first coming home, you can set it to 23°C to cool the room quickly, then adjust it back to 26°C after 30 minutes.
3. Direct Airflow Upward for Cooling
When cooling, direct the airflow upward so cold air circulates from the ceiling down. When heating, direct it downward. This leverages the natural physics of cold air sinking and hot air rising.
4. Ventilate Regularly
Keeping windows closed with AC on for long periods leads to stale air and poor air quality, potentially causing nasal congestion, dry throat, and sneezing. Open windows for 10-15 minutes every 2-3 hours to refresh the air.
5. Don't Constantly Turn AC On and Off
Restarting an air conditioner consumes as much energy as running it for 20-30 minutes continuously. If you'll be away for less than an hour, it's more efficient to leave it on and simply raise the temperature by 1-2°C.
Sources: People's Daily, CCTV News, Chinese Government Website, People's Daily Health Client
New Media Editor: He Weizhou
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