明天是2013年的第一天，多项新的法规将走进百姓生活。食品包装袋上必须标明营养成分，否则不得销售；随着2013年新关税方案实施，特殊配方的进口奶粉税率降至5%，不过由于特配奶粉市场份额过小，本市店家一般不提供代购；年内央行两次降息，“老房贷”从明天起可享新调整利率，不过，明年2月份的房贷才是调整后的全额新房贷。

Tomorrow is the first day of 2013,Many new regulations will walked into people's lives.Food sack on nutrients must be identified,Otherwise you may not sell;With the 2013 new tariff scheme,Special formula of imported milk powder rate fell to 5%,However, with milk powder market share is too small,Stores in the city generally do not provide buy on sb's behalf;Years the central bank twice cut interest rates,"The old housing"From tomorrow on to enjoy the new interest rate adjustment,but,February next year mortgage is after the adjustment the full new mortgage.

　【关键词】预包装食品 [Key words]Prepackaged food

　　食品外包装必须标明5项营养成分 Food packing must be identified five nutrients

　　明天起，卫生部发布的食品安全国家标准《预包装食品营养标签通则》将正式实施。明年1月1日后生产的预包装食品必须标注其营养成分。食品外包装上标注的具体内容简称为“4+1”，4“是指核心营养素，即蛋白质、脂肪、碳水化合物、钠”，1“是指能量”。

Tomorrow on,The national food safety standards issued by the ministry of health[General principles of prepackaged food nutrition labels]Will be officially implemented.On January 1 next year in the future production of prepackaged food must mark the nutrients.Hereinafter referred to as the specific content of the label on the outer packing for food"4 + 1",4"Refers to the core,The protein/fat/carbohydrates/sodium",1"Refers to the energy".

　　所谓预包装食品就是指预先定量包装好、或装入容器中向消费者直接提供的食品，包括饼干、酱油、肉酱、腐乳、速冻食品以及奶制品等。

The so-called prepackaged food refers to quantitative packaging in advance/Or load containers provide food to consumers directly,Including cookies/Soy sauce/pulp/Fermented bean curd/Frozen food, dairy products, etc.

　　记者昨天走访市内几家大型超市发现，部分食品包装袋上已经标注了各项营养指标。

Reporters yesterday visited the city several large supermarket,Some food bags have labeled on the nutrition indicators.

　　尽管国家强制规定包装注明营养含量，但在采访中，很少有人注意到食品的营养含量。有的市民表示“营养素会对身体造成怎样的影响并不清楚，也看不明白。 ”

Although the national mandatory packing indicate the nutrient content,But in the interview,Very few people pay attention to the nutritional content of food.Some people say"Nutrients can cause what effect to the body is not clear,Also look not to understand. "

　　在外包装营养成分分类列表中，营养素参考值以百分比的形式出现，100%是人体一天的总需求量。以一款橄榄油为例，每100克能量参考值为44%，表示100克橄榄油中，占据了人体一天所需的44%的能量。

On the outer packing nutrients classification list,Nutrients reference value in the form of a percentage,The total demand of 100% human body is a day.In the case of a olive oil,Every 100 grams energy reference is 44%,Said 100 grams of olive oil,Accounting for about 44% of the human body required for a day of energy.

【关键词】房贷利率 [Key words]Mortgage rates

　　“老房贷”明起执行新利率 "The old housing"Implemented the new rates

　　央行在2012年6月8日和7月6日两次降息，按惯例，对于“老房贷”的利率调整将在2013年1月1日起开始执行。

The central bank on June 8, 2012 and two cuts on July 6,According to the practice,for"The old housing"The interest rate adjustment will start on January 1, 2013.

　　今年6月和7月，央行连续两次降息，五年期以上个人房贷基准利率已降为6.55%，比年初时降低0.5个百分点。大连地区多数签订“次年调”的市民，则要从明天起，才能享受到新房贷利率的优惠。而实际上，明年2月份，市民享受到的才是降息后的全额新房贷。

June and July this year,The central bank cut interest rates two times in a row,Five-year above individual mortgage loans benchmark interest rate has dropped to 6.55%,0.5% lower than they were a year earlier.Dalian area most sign"The following adjustment"The citizens of,Is from tomorrow on,To enjoy the new preferential mortgage rates.But in fact,Next year in February,People enjoy is the cut after the full new mortgage.

　　以20年期100万元等额本息还款的商业贷款为例，按照年初7.05%计算，月供为7783.03元；今年6月8日降息后，如果执行6.8%的基准利率，月供为7633.4元；7月6日执行6.55%基准利率后，月供为7485.20元。而两次降息叠加后月供减少了297.83元。

With 20 years 1 million yuan photograph of commercial loans as an example of reimbursement,According to the beginning of the year 7.05%,Payments is 7783.03 yuan;After cut interest rates on June 8 this year,If the execution of the benchmark interest rate of 6.8%,Payments is 7633.4 yuan;On July 6, after the 6.55% benchmark interest rate,Payments is 7485.20 yuan.And cut interest rates twice stacking after month for reduced to 297.83 yuan.

　【关键词】公积金 [Key words]Accumulation fund

　　公积金贷款新利率明天起执行 Provident fund loans implemented new rates tomorrow

　　市住房公积金管理中心发布通知，个人住房公积金贷款利率，五年期以下(含五年)贷款由现行年利率4.45%调整为4.2%，下调0.25个百分点；五年期以上贷款由现行年利率4.90%调整为4.70%，下调0.2个百分点。

City housing accumulation fund management center issued notice,Personal housing accumulation fund loan interest rate,Five-year below(Including five years)Loans by the annual interest rate 4.45% to 4.2%,By 0.25%;Above five-year loans by the annual interest rate 4.90% to 4.70%,By 0.2%.

　　2012年6月8日以后(含6月8日)发放的贷款，执行调整后利率；2012年6月8日以前发放的贷款，自2013年1月1日起执行调整后利率。

After June 8, 2012(On June 8, including)Release of the loan,Carry out after adjusting interest rates;Before June 8, 2012 issue of the loan,Since January 1, 2013 to adjust the interest rate.

　　市住房公积金管理中心负责人提醒，个人住房公积金贷款期限在1年以内(含1年)的，实行合同利率，遇法定利率调整不分段计息。贷款期限在1年以上的，遇法定利率调整，于次年1月1日开始按相应利率档次执行新的利率规定，跨年度计息期按实际天数分段计息。

City housing accumulation fund management center director reminded,Personal housing accumulation fund loan time limit within 1 year(Of 1 year)the,The contract interest rate,Meet the statutory interest rate adjustment unsegmented plan breath.The loan term is longer than 1 year,Meet the statutory interest rate adjustment,Beginning in the next year on January 1, according to relevant provisions of rate levels to implement the new rate,Several period according to the actual number of days the sublevel calculating interest.

【关键词】关税 [Key words]tariffs

　　特殊配方奶粉进口税降至5% Special formula import taxes to 5%

　　日前，国务院关税税则委员会下发的《关于2013年关税实施方案的通知》，自2013年1月1日起实施。其中特殊配方婴幼儿奶粉2013年暂定进口税率为5%，远低于最惠国20%的税率。

Prior to the,Issued by the state council tariffs commission[About 2013 tariff implementation plan of the notice],Since January 1, 2013.Which special infant formula milk powder is import tax rate of 5% in 2013,Is far lower than the most rate of 20%.

　　记者昨天在超市进口奶粉区或是代购奶粉店铺，几乎看不到特殊配方奶粉。一家奶粉代购的销售人员表示，特殊婴幼儿奶粉一般针对早产儿、乳糖不耐症婴儿、牛奶蛋白过敏婴儿等，需要有医生开具的证明，到药房或医院购买。进口手续比较麻烦，一般不提供代购。

Reporters yesterday imported milk powder area or buy on sb's behalf milk shop in the supermarket,Hardly see special formula.A milk powder buy on sb's behalf of sales staff said,Special infant milk powder are in premature infants/Lactose intolerance syndrome baby/Baby milk protein allergy, etc,Need a doctor to open proof,To the pharmacy or hospital to buy.Import formalities very trouble,Generally do not provide buy on sb's behalf.

　延伸阅读 readings

　　还有一些新规明天起实施 There are some new rules come into effect tomorrow

　　经国务院批准，自2013年1月1日起，对个人从公开发行和转让市场取得的上市公司股票，股息红利所得按持股时间长短实行差别化个人所得税政策。持股超过1年的，税负为5%；持股1个月至1年的，税负为10%；持股1个月以内的，税负为20%。2013年1月1日起将施行的法规还包括，《住房保障档案管理办法》、《人身保险公司销售误导责任追究指导意见》、《彩票机构财务管理办法》。（半岛晨报 记者孙晓明文/图）

With the approval of the state council,Since January 1, 2013,For individuals from public issuance and transfer of market shares of listed companies,Dividend income according to the shareholding length of differentiation of personal income tax policy.Ownership of more than 1 year,Tax of 5%;Shareholding 1 month to 1 year,Tax of 10%;Shares within 1 month,Tax of 20%.As of January 1, 2013 will also include of rules and regulations,[Measures for the administration of housing guarantee files]/[Insurance company sales misleading responsibility shall be investigated for guidance]/[The lottery to financial management].(Peninsula morning paper reporter SunXiaoMing wen/drawing)