Cctv news Recently, 2023 China Household Appliances and Consumer Electronics Expo (AWE2023) opened in Shanghai New International Expo Center. AWE, the global scientific and technological event in the field of home appliances and consumer electronics, has returned strongly, bringing advanced smart life solutions, high-tech products and technologies, and continuously guiding the new development trend of home appliances and consumer electronics industries.

　　New products debut and join hands to lead the trend.

　　At the exhibition site, Konka Group held a new product launch conference with the theme of "Aurora Shines with Bright Colors", launched a series of "Aurora" products, and reached a strategic cooperation with Italdesign, a famous Italian design company. This is the embodiment of Konka Group’s continuous promotion of product upgrade iteration and its strength in the field of black and white electricity. It is also a big step for Konka Group to focus on consumer electronics business in 2023.

　　Yu Qinxue, assistant to the president of Konka Group’s white goods business headquarters and general manager of Anhui Konka Tongchuang Electric Co., Ltd., said that only by increasing the investment and proportion in research and development can there be product innovation and it is possible to achieve product-leading strategic extension.

　　Li Yang, general manager of Italdesign in China, said that the two sides have many similarities, such as the concept of "people-oriented" in product design and the principle of "design is modeling plus engineering", which is an important reason for this cooperation.

　　This cooperation perfectly combines Italdesign’s practical industrial design experience with Konka Group’s technical precipitation in the field of home appliances. While improving the technical texture of products, it will redefine home appliances from the dimensions of spiritual needs such as design aesthetics, humanistic care and artistic value, injecting new inspiration and motivation into the development of the industry and creating new boundaries for users’ smart quality life.

　　Scientific and technological innovation helps a better life

　　The "Aurora" series of new products launched by Konka Group were exhibited at the exhibition site, including Zhencai washing and drying suit, smart fresh air air conditioner, double 15-day ecological fresh refrigerator and Konka Mini QD-LED TV A6 MAX, covering multiple home life scenes in the kitchen, balcony and living room, creating exquisite life for consumers in all directions.

　　Liang Jiang, senior manager of China Marketing Center, multimedia industry headquarters of Konka Group, said that Aurora series is a brand-new product launched by Konka in 2023, and it also reflects Konka’s top technology at present. The product is made of aviation material and has memory function. In addition, the product also has 8K resolution, 33 million pixels and 3D space surround sound field positioning technology.

　　In the future, Konka Group will continue to practice consumer demand-oriented, based on the megatrends such as consumption upgrading and scenario application, promote product upgrading iteration from technology to ecology, and constantly create a better life for users with innovative technologies.

　　Xinhua News Agency, Beijing, May 12 th: It’s an unshirkable duty to hold armor in white — — Pay tribute to the "lantern angel"

　　Xinhua news agency reporter

　　There is such a group of people, "without hesitation, retrograde expedition, white armor, do not bear the great trust."

　　He is both an "angel with a lantern" and a "warrior in white", like superman and ordinary.

　　May 12th is the 111th International Nurses’ Day. The reporter approached the group of nurses, looking for heroic and fearless figures who rushed to the front line of the war "epidemic" and listened to the story of "angels with lanterns" protecting people’s health.

　　Unswervingly guard the life barrier with professionalism.

　　"Patients who need oxygen should measure their oxygen saturation every half an hour to one hour. If it is lower than 95%, they should take oxygen inhalation with a mask." Wang Mengting, a nurse in Huashan Hospital affiliated to Fudan University, paid close attention to the elderly infected people in the front line of the battle against the epidemic.

　　Shelter Hospital, originally an isolated treatment place for asymptomatic infected people and mild patients, has been given a new mission — — With the increasing pressure of designated hospitals, 2,000 beds in the 13,600 beds in Lingang Fangcang Hospital have been upgraded to treat ordinary and above infected people and elderly infected people.

　　"These beds are the closest to the nurse’s desk." According to Wang Mengting, it is convenient for nursing staff to observe the health status of infected people and know their problems and needs in time to delimit special areas and coordinate the position of hospital beds.

　　For Wang Mengting and her colleagues, caring for elderly infected people is very different from asymptomatic infected people and mild infected people. "Asymptomatic infected people and mild infected people who have received before will take the initiative to express to us whether they have a fever or a cough, but many elderly infected people have no ability to express themselves and need us to observe and ask more patiently and carefully."

　　Shelter hospital has become an important place to realize the goal of "all accounts receivable" This year’s Nurses’ Day, Wang Mengting and his colleagues spent their own holidays in their posts.

　　Wang Mengting said: "As a quasi-born in 1999 ‘ 00 ’ We are a generation that grew up under careful care. When the motherland needs it, we must protect people’s lives with professionalism and concentration. "

　　Striving forward, hoping to create a new miracle

　　"Wow" a cry, COVID-19 designated hospital, a baby was born smoothly. Gao Song, head nurse of neonatology department of Jilin Provincial People’s Hospital, remembers that day vividly: "More than 40 days ago, Wang Le, a pregnant woman with 36 weeks, and her husband were admitted to the hospital. On the fourth day of hospitalization, she suddenly had amniotic fluid rupture. "

　　It is difficult to avoid cross-infection of babies when operating in the "red zone". "Dabai" pushed Wang Le into the operating room, holding her hand and telling her not to be afraid. "At that time, the tension eased a lot." Wang Le recalled.

　　The baby was born smoothly. But Wang Le didn’t know that in order to reduce the risk of infection, the medical staff started the seamless docking mode and opened the "three zones and two channels": the baby was put into the prepared closed incubator at the first time, and quickly sent from the delivery room in the "red zone" to the semi-polluted zone, and then the baby was transferred to the second closed incubator and handed over to the medical staff in the neonatal transition ward in the "green zone".

　　The baby’s nucleic acid test result was negative. Wang Le and his wife immediately nicknamed the baby "Lucky" when the stone fell to the ground.

　　Since the "epidemic" war, in order to resist the virus invasion, Gao Song has strictly controlled every medical staff who entered the ward. Considering the lack of spare parts for newborns, Gao Song and his colleagues prepared baby hat, small quilts and other necessities for each baby.

　　After Xiao "Lucky" was born, Gao Song and four nurses from Corey became the baby’s "temporary mothers", feeding milk powder, changing diapers, sleeping and health monitoring, and taking turns to take care of them 24 hours a day. Gao Song takes photos and videos for Xiao Lucky every day and sends them to Wang Le.

　　"The child born is ours ‘ Lucky baby ’ , after leaving the hospital, start the telemedicine care mode for them, and separate them from the screen ‘ Reunion ’ 。” Gao Song said that after Wang Le, seven pregnant women infected with COVID-19 gave birth to healthy babies, hoping that the babies born in the declining epidemic would grow up happily.

　　A pure heart, with great love as the mission trust.

　　Isolation point, hospital outpatient service, street community … … Collecting nucleic acid samples is an important part of epidemic prevention and control. The clothes under the protective clothing are dry and wet, and the arms are too tired to lift. This is the daily routine for Liu Yihui, an ordinary nurse in Qingyuan District, Ji ‘an City, Jiangxi Province, to collect nucleic acids.

　　From March to April, Liu Yihui rushed to Nanchang for nucleic acid sampling twice. "I am well-documented. I have had a first-line anti-epidemic experience before, and I haven’t got married yet. I don’t have much concern, so I hope to share more. " Liu Yihui said.

　　Fighting in Nanchang for dozens of days and nights, Liu Yihui completed thousands of sampling tasks every day. After the phased work, on the evening of April 16th, Liu Yihui, who had just returned to Ji ‘an, had not had time to take a good rest and chose to go to Chang for help again.

　　Put on white clothes to show the doctor’s actions. When I was in elementary school, because I was worried about my sick grandfather, Liu Yihui was so anxious to cry in class. Nowadays, the little girl of the past has been on the front line, not only caring for the small family but also guarding everyone.

　　In the face of severe tasks, the WeChat group was screened by "I signed up"; The isolation point is on duty, guarding the peace of Wanjia day and night; Support nucleic acid sampling when leaving home, moved by the smiling faces of residents … … Like Liu Yihui, her colleagues are also abiding by the initial heart of boundless love.

　　"Whether in hospitals, isolation points or outside support, everyone is our strongest backing." In Liu Yihui’s view, hot meals that can be eaten at all times, fresh fruits that are always standing at the station, and milk tea sent by residents … … Bit by bit, it reflects the concern, understanding and respect of the whole society for nurses and nursing career. (Reporter Jia Yining, Yao Ziyun, Zhao Dandan, Yang Youzong)

[TechWeb] As the leader of the global mobile phone market, Apple’s next-generation iPhone will get wide attention from the outside world early every year. According to previous years’ practice, if there is no accident, the annual "Science and Technology Spring Festival Evening" is expected to be held around September 10th this year, and the brand-new iPhone 16 series will officially meet with you at that time. At present, the series is already preparing to enter the mass production stage, and more and more accurate information has been released recently. Now there is the latest news. Recently, a digital blogger further revealed that the iPhone 16 Pro will introduce a new "rose" color.

According to the latest information released by digital bloggers, basically consistent with the news previously exposed, the new iPhone 16 Pro will provide a brand-new "Rose" color, code-named "Rose Gold" instead of the previously rumored "Rose Gold". At the same time, well-known analyst Guo Ming Ti also revealed that the color options of iPhone 16 Pro and iPhone 16 Pro Max will include black, white (or silver), gray (or "natural titanium" color) and the newly added rose color. Among them, the "rose" titanium color will replace the blue titanium gold color in the current iPhone 15 Pro.

In other respects, according to the previously exposed news, the sizes of iPhone 16 Pro and iPhone 16 Pro Max have been upgraded from 6.1/6.5 inches to 6.3/6.7 inches. Thanks to the brand-new screen technology, the black edge of iPhone 16 Pro is only 1.203mm, and the iPhone 16 Pro Max is only 1.153mm, which has set a new record for the whole industry. Hardware, the iPhone 16 Pro/Pro Max will be equipped with A18 Pro processor, and the image will be greatly upgraded. On the basis that the previous generation has been upgraded to a 48-megapixel main camera, the iPhone 16 Pro series will also be equipped with a 48-megapixel super wide-angle lens, and the resolution of space video will reach 4K level. In addition, the iconic silent pick design on Apple models will be eliminated and replaced by the multi-function button "Action Button" that has appeared on the current iPhone 15 series, and there will be more gameplay.

It is reported that the brand-new iPhone 16 series is expected to continue to meet with you in September this year. After the iPhone 16 Pro is upgraded to 256GB, the price will remain unchanged at 999 US dollars, and the Bank of China will start at 7999 yuan. More details, we will wait and see.

How does Taobao buy online? The method and process of Taobao online purchase;

1/7 Open the mobile phone Taobao, enter the homepage of Taobao, enter the name of the goods we want to buy in the search bar at the top of the page, and click "Search" at the back after entering the name in the input bar.

2/7 After clicking Search, the page will show the products we searched for in different styles and prices. Choose the one that suits you according to your own needs, and click the corresponding introduction behind the products to enter the product details page.

3/7 After knowing the details of the product on the product details page, look at the evaluation (that is, the feedback from others after purchasing the product). When you feel that there is no problem, click on the "Specifications" of the product to enter the page of selecting the product type and color.

4/7 On the product specification page, choose the color, package type and quantity according to your own needs. If you buy clothes, choose the size and color amount, and click "Buy Now" below.

5/7 After clicking Buy Now, enter the order confirmation page. For the first purchase, you need to add the consignee’s name, telephone number and delivery address. After the receipt information is verified, check the order information, such as the color and style we have chosen, and then click "Submit Order".

6/7 After submitting the order, enter the payment page, and choose the payment method according to your own situation. When the page shows "Payment Successful", we will pay for this product and wait for the buyer to deliver it to us.

After 7/7 payment is successful, we can click "View All Orders" on the "My Taobao" page to view the order details and logistics information.

Last week, the detention center suddenly released a heavy new rule:Foreign students’ online course qualifications will not be certified, and they will be implemented immediately!

Figure/Service Center of Ministry of Education

According to the latest announcement, whether you are a freshman or an old student, ifAfter the school starts in the spring of 2023,If you are still taking online classes, your diploma will not be certified by the detention center!

However, in just a few days, something happened.Small inversion.

01

Foreign students’ online course qualifications cannot be certified.

Except for these special circumstances.

The bad news came too suddenly, and many international students are now in an angry and helpless mood.

The students’ questions mainly focus on"I can’t change the online course, there are no places for online classes, and I can’t go back before school starts …"

In the face of all kinds of questions and puzzles, the detention center immediately made a new regulation.additional remarks??

Figure/Service Center of Ministry of Education

Current academic qualificationsthe latest stateWhat is it? The decline, Hong Kong Jun will give you a one-time explanation.

Don’t worry, I’m not that cruel.

Due to the official replyThe length is long and the content is complicated. Hong Kong Jun summarized it here first.Q&A that two students are most concerned about..

* decline can receive exclusive finishing of DBC career dreams.2023 Academic Certification 20 Questions

Q：If the school provides online and offline learning methods, I have already chosen online learning before the announcement, and this semester, Cannot be changed.What should we do?

A：Keep the one issued by the school Relevant certification materials, and submit it when applying for certification, but you must go back to school next semester.

Q：This semester is about to start or has already started, and now you are applying for visas, booking air tickets and accommodation. Time is too tightWhat should we do?

A: During the relevant formalities, you can continue to take online classes..If the visa is not signed in time, the flight is cancelled, and the dormitory cannot be booked, it needs to be kept.Relevant certification materials, and submit it when applying for certification.

Generally speaking, compared with the "tough attitude" when the Announcement was just released, the supplementary solution given by the detention center at present can be said to have been eaten by the students."reassurance".

However, Hong Kong Jun also noticed that there are still many students.Other problems：

• Can’t go back to school at present and need to be kept. Proof materialWhat exactly are there?

• School this semester Offline study places are full., Can my diploma obtained from overseas online study be certified?

• ……

There are many similar questions. Hong Kong Jun collected the above questions one by one, called the detention center for advice many times, and compiled this according to the official reply.2023 Academic Certification 20 QuestionsYou can find the answers to all the certification questions that international students care about here.

* overseas students scan code reply[Certification+Your School], can be collected free of charge.

At present, it is in the early stage of the promulgation of the new regulations.Rules ChangeIt often happens, and many students want an organization that can communicate with each other in private. Now it’s here!

Hong kong jun launched heavily.2023 New Deal Exchange Group for Overseas Students, scan the code to add DBC career dream Tutor, and reply to the password.[Certification+Your School], you can join the group and communicate with your friends ~

Is there anything aboutAcademic certificationOr aboutStudy abroad, study and apply for a job.Questions can be exchanged and discussed in the group. ??

Figure/students’ discussion on academic certification and other issues

02

The program has changed greatly! Detailed explanation of 2023 foreign students’ academic qualification certification process

In addition to the online course qualifications can no longer be certified, the detention center also announced that from January 1, 2023, international students can only be inAcademic degree certification can only be carried out after obtaining the graduation certificate..

Figure/Service Center of Ministry of Education

I haven’t received my diploma yet. What should I do with my academic credentials?

We must know that the diplomas of international students in some areas will not be issued until every few months, and once the academic certification is late, it will bringA lot of trouble：

• Get an Offer before graduation, most enterprises require to join in June, but if there is no academic certification at this time, it is very likely that they will not be able to join;
• For international students who want to take the public entrance examination, they must obtain academic qualifications before they can apply;
• The introduction of foreign students and the settlement of first-tier cities must obtain the academic certification of teaching and staying service.

Figure/Shanghai Human Resources and Social Security Bureau

Therefore, academic qualifications must be certified as soon as possible. For those students who didn’t get the graduation certificate before certification, the detention service was also pointed out.A clear road：

Can make the school Send an email to the detention serviceAt the same time, provide valid certificates of international students and official letters issued by the school to prove their identity authentication.

2023 education certification strategy, quick collection

But even if it seems simple "just send an email", there are still classmates."Authentication failed"!

Hong Jun found that many students encountered the situation that they had uploaded all the materials, but they remained in service.Don’t pass; Or the proof materials given by the school are wrong, and finally directlyBe certified as a previous student.…

Figure/Little Red Book

One thing said, the qualification certification after the new regulations is still very different from what most students imagine! EvenDifferent countries and different majorsSome international students will encounter different problems in the application process.

There are many similar details, all due toMaterials and graduation time in different regionsThere are differences.

Coupled with the cumbersome application requirements, the application process and the review process are simply a set of links! The whole academic certification can only be said to beCapital trouble+complexity!

Hong Kong Jun began to make an emergency strategy two days ago, and rushed to make a copy that has been made. 全球留学生小伙伴亲测成功的申请流程??

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　　The product release of Big Data (e-Box) platform in Hangzhou Comprehensive Test Zone and the presentation meeting on the policy of political and trust linkage were held. Zhang Yuhuan photo

　　Zhongxin. com, Hangzhou, March 16 (Reporter Zhang Yuhuan) On the 15th, China (Hangzhou) cross-border electronic commerce Comprehensive Experimental Zone (hereinafter referred to as Hangzhou Comprehensive Experimental Zone) held the product release of Big Data (e-Box) platform and the presentation meeting on the policy of political and trust linkage in Hangzhou. It is understood that through the online big data platform, Hangzhou Comprehensive Test Zone strives to build an index system suitable for the credit rating of cross-border e-commerce in Hangzhou, and provides differentiated services for enterprises with different credit ratings according to the index system to create a business environment of mutual trust and mutual benefit.

　　"In the past, it took at least one or two years for traditional foreign trade to obtain stable customers, which was a process of gradually accumulating trust. Today’s cross-border e-commerce, the two parties to the transaction do not meet and place orders directly, which is right for ‘ Credit ’ Put forward higher requirements. " Chen Weijing, deputy director of the Hangzhou Comprehensive Test Office, said.

　　The product release of Big Data (e-Box) platform in Hangzhou Comprehensive Test Zone and the presentation meeting on the policy of political and trust linkage were held. Zhang Yuhuan photo

　　She introduced that through the online big data platform, Hangzhou Comprehensive Test Zone has gathered government departments such as customs and taxation, gathered various e-commerce platforms and massive Internet data, built credit models according to the characteristics of different sub-industries, and built an indicator system suitable for cross-border e-commerce credit rating in Hangzhou.

　　"In the process of building the integrity of e-commerce, we are mainly divided into three links: letter acceptance, letter evaluation and letter use. In the early stage, 28 Hangzhou government departments transmitted data to the platform data warehouse, and matched the enterprises provided by government departments in the process of credit evaluation ‘ Black and white sample ’ Then, according to the five criteria of enterprise qualification, credit history and performance ability, the enterprise score is carried out. " Han Wei, head of Hangzhou Comprehensive Test Office Management Service Center, introduced.

　　According to the index system, the platform divides the cross-border e-commerce enterprises in Hangzhou into five grades: AAA/AA/A/BBB/BB, and provides differentiated services for enterprises with different credit ratings, such as opening a green channel for high-quality enterprises, extending the logistics account period, docking high-quality service providers, etc., and forming an e-commerce credit linkage ecosystem through the joint efforts of the platform layer, the government side and the market side.

　　The product release of Big Data (e-Box) platform in Hangzhou Comprehensive Test Zone and the presentation meeting on the policy of political and trust linkage were held. Zhang Yuhuan photo

　　According to Liao Wei, the head of corporate credit in Alibaba’s corporate financial services division, space and distance magnify the pain points of trust in cross-border trade, such as low transaction conversion rate and communication inquiry occupying a lot of time cost, so it is particularly important to build a cross-border e-commerce credit rating index system. "Integrity system business is becoming a business card and pass for SMEs in new commercial times."

　　At the event site, the service provider project that won the excellent cross-border ecological partner in 2018 signed a preferential agreement on political and credit linkage with Hangzhou Comprehensive Test Zone, and provided preferential rights for cross-border e-commerce enterprises in Hangzhou with reference to credit rating.

　　"Brand integrity construction is not achieved overnight." Chen Weijing said that in 2019, Hangzhou Comprehensive Test Zone will continue to cooperate with high-quality service providers to expand the global market based on credit, so as to give a "green light" to honest and trustworthy enterprises and help cross-border electronic commerce enterprises, traditional trade and manufacturing enterprises to better develop global digital trade.

　　Weibo, Guangzhou Metro, announced that from September 8th, Guangzhou Metro Network Station will adopt the method of "equipment inspection+manual inspection", and fully implement the measures of scanning code to enter the station. Passengers can only enter the station with green passes.

　　Figure/Guangzhou Metro

　　At present, there are two ways to scan the code. One is that most stations in the network use the "location code" of the scanning station to enter the station, and the other is that some stations use the health code inspection equipment ("code brushing machine") to scan the code, and they can enter the station after showing the real-time green pass certificate without flashing the code again.

　　Guangzhou Metro reminds that the "location code" is the basis for tracing the epidemic situation. If you do not actually enter the subway station, please do not scan the code. For the elderly, children and other people who can’t use smart phones, they still use the staff to assist in the card inspection when taking the subway.

　　Guangzhou subway location code example. Figure/Guangzhou Metro

　　Q

　　What is a "code brushing machine"?

　　A: The "code-brushing machine" has the same level of health verification function as the "place code". It records the passengers’ entry into the station while checking the status of the health code, and has the function of checking special ticket cards simultaneously. The "code brushing machine" will be located at the security checkpoint for passengers to check the code and enter the station.

　　Q

　　How to operate the code checking machine?

　　A:

　　1. Passengers turn on the mobile phone "Sui Kang Code" or "Yue Kang Code" in advance.

　　Align the scan code area. Figure/Guangzhou Metro

　　2. Align "Suikang Code" or "Yuekang Code" to the "Scan QR Code" area of the device.

　　The health code green code is displayed normally. Figure/Guangzhou Metro

　　3. After the scan is successful, there will be a "beep" tone and traffic information display, and the green traffic voucher will be displayed to enter the station.

　　Q

　　Why do you want to check the code with a "code brushing machine" or scan the "place code"? Should I light the health code after scanning the "place code"?

　　A: The implementation of "code brushing machine" for code checking and "location code scanning" can realize accurate traceability. In the event of an epidemic, you can quickly trace the situation of relevant personnel taking the subway by scanning code records. There is no need to light up the code again after using the "code brush machine" to check the code or scanning the "place code"

　　Q

　　Where is the "location code" at the station?

　　A: After the measures are implemented, except some stations are equipped with "code-brushing machines", other stations will be equipped with "station codes" at entrances, exits and security checkpoints.

　　Passengers can use the "Sweep" function of WeChat on their mobile phones, scan the station "location code" and show the display results to the staff (for the first time, personal login verification is required), and the green pass certificate can be displayed before they can pass.

　　Q

　　Which stations have "code brushing machines"?

　　A: At present, some key stations are equipped with "code brushing machines", including Sports Center Station and Wanshengwei Station, which will be increased or decreased according to the actual situation.

　　Q

　　Can I get into the station with the screenshot of the green pass certificate generated by the "place code"?

　　A: no. In order to prevent and control the epidemic accurately, everyone who enters the subway station must scan the code to reflect the status of their health code in real time and effectively and record the passengers’ entry into the station. The staff will confirm according to the time and place when the green pass certificate is generated after scanning the code.

　　Q

　　How can the elderly, children and other people who can’t use smart phones check the code?

　　A: For the elderly, children and other people who can’t use smart phones, the way of taking the subway with the assistance of staff to check the card is still used.

　　Comprehensive: Guangzhou Metro, Information Times

Source: Guangzhou News Radio

Over the past 40 years of reform and opening up, the living consumption level of Chinese people has been greatly improved, and a historic leap has been achieved from insufficient food and clothing to a well-off society in general and then to a well-off society in an all-round way. With the change of development stage, people’s yearning for a better life is stronger, and the demand for upgrading the stock of consumer goods is constantly improving. Adapting to the new stage, new changes and new requirements, and promoting a new round of trade-in of consumer goods is not only beneficial to the present, but also beneficial to the long term, which is of great significance and role in promoting high-quality economic development.

First, the significance of implementing a new round of consumer goods trade-in.

(1) It is conducive to adapting to the changes in the development stage and promoting the continuous expansion of consumption.

Since the reform and opening up, China’s economy has grown rapidly, durable consumer goods have been fully popularized, and the problem of "whether there is" has been basically solved. By the end of 2022, the number of cars with 1,000 people in China had reached 226, and the average number of air conditioners, refrigerators, washing machines and color TVs per 100 households reached 133.9, 104.2, 99 and 118.9 respectively. In the context of the rapid growth and popularization of durable consumer goods, policies such as trade-in in the early stage put more emphasis on stimulating incremental consumption and stabilizing economic growth. With the change of development stage, the demand for upgrading the stock of consumer goods is constantly increasing, and China’s consumer market is generally entering an era of paying equal attention to both increment and stock. Trade-in of consumer goods is conducive to accelerating the transformation of the consumer market from "whether there is" to "whether it is good" and forming a domestic cycle with consumption as the leading force.

(2) It is conducive to consolidating the economic recovery and improving the quality and level of the national economic cycle.

Consumption is the "stabilizer" and "ballast stone" of economic growth, and promoting consumption is the inherent requirement of promoting a virtuous circle of economy. At present, a large number of potential consumption in China still needs to be stimulated, and a virtuous circle of mutual promotion between consumption and investment is accelerating, and the chain of "consumption-employment-income" needs to be further unblocked. Activating the consumer market by exchanging the old for the new, releasing potential consumption and cultivating new consumption will help to provide stronger market demand support for enterprise management, thus stabilizing enterprise production and investment expectations, improving market participants’ confidence, promoting the smooth realization of production cycle and promoting China’s sustained economic recovery.

(3) It is conducive to promoting the change of development momentum and cultivating new quality productivity.

China’s consumer market continues to emerge a series of new consumption different from the past, which has become a new kinetic energy and new growth point to promote high-quality development. By expanding the renewal of existing consumer goods, the scale effect of innovation and development of new consumption and new formats will be formed, which in turn will have a strong innovation leading and pulling effect on upstream manufacturing and guide the upgrading of upstream manufacturing industrial structure to adapt to the changes in demand structure. The demand potential released by trade-in will help guide and support enterprises to increase scientific and technological innovation and new product research and development, promote technological upgrading and progress in related industries, foster the formation of new quality productivity, and achieve more quality and efficient growth. Trade-in of old products will push the economy to a higher level of dynamic balance in which demand pulls supply and supply creates demand, which is conducive to the dual promotion of domestic and global product competitiveness in the new era.

(4) It is conducive to meeting people’s needs for a better life and enhancing people’s well-being.

Owning and enjoying higher quality durable consumer goods is an important embodiment of people’s yearning for a better life. Trade-in is not a simple replacement of similar products, but a higher-end, smarter, more environmentally friendly and more personalized demand trend. With the increase of the service life of consumer goods in stock, the performance of a large number of cars and household appliances is getting worse, the emissions are getting higher, and even there are security risks. By exchanging old products for new ones to support the transformation and upgrading of residents’ consumption, high-quality products that are energy-saving, environmentally friendly and intelligent will enter residents’ lives, which will help improve people’s quality of life and enhance their sense of acquisition, happiness and security.

Second, the focus and focus of effectively starting and continuously promoting the trade-in of consumer goods

First, vigorously stimulate and fully mobilize the enthusiasm of all parties. Adhere to the linkage between the central and local governments, coordinate and support all links in the whole chain, and realize the coordinated linkage and comprehensive policy of production, supply and marketing, upstream and downstream, government, enterprises and people, online and offline, benefiting more consumers. Strengthen the central government’s policy support, arrange special funds from the central government, improve tax support policies and optimize financial support, and give better play to the guiding role of local governments and business entities. Optimize the design of policy mechanism, fully stimulate the enthusiasm of production enterprises, platform enterprises, recycling enterprises, dismantling enterprises and consumers, and implement the original intention of good policies.

The second is systematic planning to get through the key blocking points of the supply and demand cycle. In the past, fiscal policy was more biased towards infrastructure investment and upstream manufacturing. From the current point of view, it is necessary to pay more attention to the leading and leading role of consumers. In policy implementation, it is necessary to respect consumers’ choices, enhance consumers’ ability to pay, give play to consumers’ subjective initiative, and focus more on how to lead and drive consumers to upgrade, indirectly forming a virtuous circle of mutual promotion between supply and demand. Promote the circulation of commodities through the trade-in action, enhance the transaction value of commodities in all links, and create a reasonable profit space for market players. Solve the outstanding shortcomings in the whole cycle of production, circulation, consumption and recycling of products, and fundamentally form a systematic policy effect.

The third is to promote flexibly and continuously release the consumption potential. Focus on organizing and carrying out trade-in activities by stages and product categories, so as to create a consumer market atmosphere with continuous vitality in generate and avoid the fatigue of consumers caused by concentrated activities. Guided by convenience and material benefits, we will comprehensively use various policy tools such as consumer subsidies, consumer coupons, and interest subsidies for consumer loans, actively give play to the advantages of Internet platforms, and simplify the policy application process, especially taking care of the needs of the elderly and rural residents. Strengthen the safety publicity of durable consumer goods, actively organize theme activities, and gradually improve consumers’ awareness of safety precautions in the use of old household appliances. Through the way of regional pilot, we will innovate, promote, evaluate and improve, and properly solve the new problems in the implementation of this round of trade-in policy.

Fourth, give consideration to both length and weakness, and strengthen the construction of systems and standards. Take a new round of trade-in as an opportunity to promote the improvement of the basic system of consumer market governance, accelerate the construction of a high-standard market system, and create a good institutional environment for consumer innovation. Gradually strengthen the construction of recycling industry system, guide recycling enterprises and individual operators to gradually integrate into unified management, and continuously improve the quality of circulation services. Adhere to the guidance of standards and orderly promotion, and further improve the management system and industry standards of product life cycle. Support industry associations, individual enterprises, experts and scholars to actively participate in the formulation of standards, strengthen the convergence of international and domestic standards in key areas, and let more high-quality durable consumer goods enter residents’ lives.

Fifth, strengthen support and constantly improve the consumption supporting system. Overall planning and construction of a number of urban comprehensive logistics centers, professional distribution centers and e-commerce logistics nodes, and improvement of urban logistics distribution facilities such as docking, loading and unloading. Improve the logistics infrastructure network and sales service system in rural areas, promote the construction of regional commercial logistics distribution centers and terminal distribution outlets, and promote the innovation of consumption formats. We will improve the resource recycling system for scrapped cars and used household appliances and furniture, improve the network layout of household appliances and furniture recycling, promote the construction of recycling outlets and centralized storage and transportation points as a whole, and encourage the establishment of recycling bins in qualified communities to facilitate residents to handle small household appliances.

(the State CouncilWang Qing, deputy director and researcher of Market Economy Research Institute of Development Research Center; Wang Nian, deputy director and associate researcher of the Research Office of Market Economy Research Institute of the State Council Development Research Center)

dragon boat raceDragon boat race is one of the most distinctive activities of the Dragon Boat Festival to commemorate Qu Yuan’s drowning and prevent fish and shrimp from eating his body. The original intention is to imitate the dragon king in the river and pray for the blessing and exorcism of the water god.

eat ZongziThe main traditional food of the Dragon Boat Festival is Zongzi, which is made by wrapping glutinous rice and various fillings such as meat and bean paste with Zongzi leaves. Eating Zongzi during the Dragon Boat Festival means to ward off evil spirits and plague and pray for health and peace.

Hanging wormwood and calamusPeople will hang wormwood and calamus at the door or at home, thinking that they have the function of exorcising evil spirits, and sometimes they will fumigate their rooms with wormwood leaves to drive away mosquitoes and epidemics and prevent the spread of diseases.

DaixiangnangIn some areas, people put herbs and wormwood into sachets, tie them on their bodies or hang them on doors to ward off evil spirits and pray for blessings. The sachets contain cinnabar, realgar and fragrant medicine, which are fragrant and exquisite after wearing.

Wear colorful ropeIn the traditional culture of China, the five colors "blue, red, white, black and yellow" symbolizing the five elements are regarded as auspicious colors, and multicolored ropes are woven from silk threads of five colors, representing auspiciousness and blessings.

Drink realgar wineDuring the Dragon Boat Festival, people in some places will drink realgar wine as a custom, thinking that drinking realgar wine can protect their health and pray for peace and well-being on this special day of Dragon Boat Festival.

spring outingThe Dragon Boat Festival is in May, the weather is pleasant, and everything in nature is flourishing. People often take this opportunity to go to the countryside to play, fly kites, enjoy lotus flowers, enjoy flowers and grass, soak mugwort, etc., so as to cheer up their mood and relieve their pressure.

Worship the gods and ancestorsWorship to God and ancestors is one of the important customs of Dragon Boat Festival, and ancestor worship is a custom of inheriting filial piety. We pray for and repay their shelter and blessing through sacrifice, hoping that ancestors will bless the family’s peace, health and happiness.

Editor: Qi Yongtao

Editor: Han Wei

　　On December 16th, China Banking and Insurance Regulatory Commission, China issued a public consultation announcement on the Notice on Further Promoting the Standardized and Healthy Development of Credit Card Business (Draft for Comment). The opinion draft pointed out that banking financial institutions should take effective measures to monitor and control the actual use of credit card funds in a timely and accurate manner. Credit card funds shall not be used for repayment of loans, investment and other fields, and it is strictly forbidden to flow into areas restricted or prohibited by policies. The number of long-term sleep credit cards that have not been actively traded by customers for more than 18 consecutive months and the current overdraft balance and overpayment are zero shall not exceed 20% of the total number of cards issued by the institution at any time, except for credit cards with additional policy functions issued by banking financial institutions as required by policies and regulations. Banking financial institutions exceeding this ratio may not issue new cards.

　　Attached to the original:

　　Notice on Further Promoting the Standardized and Healthy Development of Credit Card Business (Draft for Comment)

　　This circular is formulated to standardize the credit card business, implement the management responsibilities of banking financial institutions and their cooperative institutions, improve the quality and efficiency of credit card services, protect the legitimate rights and interests of financial consumers, adhere to the people-centered development idea, and promote the credit card industry to develop with high quality to better support scientific and rational consumption.

　　First, strengthen the management of credit card business

　　(1) [Strategic Management] A banking financial institution shall formulate a prudent and steady credit card development strategy, which shall be reviewed and approved by the board of directors or senior management of the institution, and shall be continuously and effectively implemented and regularly evaluated and improved. Banking financial institutions shall reasonably formulate the annual management objectives and plans of credit cards in strict accordance with the development strategy.

　　(II) [Performance Appraisal] Banking financial institutions shall establish a scientific and reasonable credit card business performance appraisal index system and salary payment mechanism. The weight of compliance management indicators and risk management indicators should be significantly higher than other indicators. Banking financial institutions shall regularly assess and determine the positions and personnel scope that have an important impact on the credit card business risks, and implement strict management of deferred payment, delayed recourse and deduction of performance pay.

　　(III) [Asset Quality Management] Banking financial institutions shall strictly implement the credit card asset quality classification standards and identification procedures, and comprehensively, accurately and timely reflect the asset risk status. Strengthen the analysis of asset quality migration trend, set risk early warning indicators, continuously and effectively identify, measure, monitor, warn, prevent and dispose of risks, accurately grasp the scale and structure of non-performing assets, and write them off in time according to procedures.

　　(IV) [Behavior Management] Banking financial institutions shall strictly implement the employee behavior management of credit card business, carry out continuous supervision and regular investigation, implement the whole process supervision of the business behaviors of important positions and key personnel, and establish and improve the accountability and recording mechanism for violations.

　　(V) [Staff Training] Banking financial institutions shall strengthen compliance training and consumer rights protection training for their employees engaged in credit card business, and the training time for each person shall not be less than 30 hours per year.

　　Second, strictly regulate the marketing behavior of issuing cards.

　　(VI) [Card Issuance Management] Banking financial institutions shall not directly or indirectly take the number of cards issued, the number of customers, market share or market ranking as single or main assessment indicators.

　　Banking financial institutions should continue to take effective measures to prevent risks such as fraudulent card handling and excessive card handling. Set the maximum number of cards issued for a single customer. Strengthen the dynamic monitoring and management of sleep credit cards and strictly control the proportion. The number of long-term sleep credit cards that have not been actively traded by customers for more than 18 consecutive months and the current overdraft balance and overpayment are zero shall not exceed 20% of the total number of cards issued by the institution at any time, except for credit cards with additional policy functions issued by banking financial institutions as required by policies and regulations. Banking financial institutions exceeding this ratio may not issue new cards. The Bank of China Insurance Regulatory Commission (hereinafter referred to as China Banking and Insurance Regulatory Commission) can dynamically reduce the proportion limit standard of long-term sleep credit cards according to regulatory needs.

　　Banking financial institutions should respect the true wishes of customers when binding payment accounts and other accounts for credit cards, and provide unbinding services with the same convenience. If a customer applies for card cancellation, it shall complete the processing in time after confirming that there is no outstanding payment.

　　(VII) [Information Disclosure] Banking financial institutions should effectively strengthen marketing publicity and management when conducting credit card business. When concluding a credit card contract with a customer, we should strictly fulfill the obligation to prompt or explain the terms of interest, compound interest, fees, liquidated damages, and risk disclosure, show the annualized interest rate level to the customer in an obvious way, ensure that the customer pays attention to and understands the terms, and actively inform the customer of the consultation and complaint acceptance channels. When opening the online payment function of credit card for customers, we should fully fulfill the obligation of informing in advance, reach an agreement with customers on the terms of online payment, and obtain the customer’s confirmation and consent on the opening.

　　(VIII) [Sales Backtracking] Banking financial institutions shall actively take audio and video recording and other measures to completely and objectively record and save important sales link information such as credit card issuance, risk disclosure and information disclosure, so as to ensure that the recorded information is comprehensive, accurate, tamper-proof and traceable, and continuously meet the requirements of supervision and inspection by financial regulatory authorities and investigation and evidence collection by judicial organs in China. The recorded information should at least include: the valid identification materials of the credit card applicant, the financial status related to the credit card application, credit records, publicity and sales texts, signed credit card articles of association and contract (agreement), important tips and confirmation information, etc. The recorded information should be kept for at least 2 years after the end of the business duration with customers.

　　(IX) [Management of Marketing Personnel] No person may engage in the credit card issuance marketing activities of a banking financial institution without internal unified qualification certification. Banking financial institutions shall provide information inquiry methods for credit card marketers at their business outlets and electronic channels. Credit card marketers should present their work certificates containing the identity of the card issuer and personal work information to customers in advance, and inform customers of the information inquiry methods of credit card marketers.

　　(X) [Prohibited Behavior] Banking financial institutions shall implement strict management of credit card marketing behavior. Do not promise to issue cards or promise to give high credit; No fraud or false propaganda; Credit cards shall not be marketed by default check or forced bundling.

　　Third, strict credit management and risk control

　　(eleven) [credit audit] banking financial institutions should strengthen the credit audit of credit card customers, understand and analyze the credit status of customers through legal channels such as the basic database of financial credit information, implement necessary multi-dimensional cross-verification, independently audit and judge the identity of customers and identify the authenticity, integrity and timeliness of application materials. Customers who have multiple debt records in different institutions after investigation should be strictly examined to strictly guard against the risk of multi-head lending.

　　(XII) [Credit Management] A banking financial institution shall reasonably set the upper limit of the total credit line of a single customer according to the credit status, income status and financial status of the customer, and include the customer in all credit lines of the institution for unified management. Within the total credit line of credit card, the credit line of cash advance business shall not exceed the credit line of non-cash advance business.

　　Banking financial institutions shall conduct full due diligence on a single customer and conduct consolidated management on all credit card credit lines of the customer in other institutions. In the process of credit approval and credit line increase (including temporary credit line increase), the accumulated credit lines obtained from other institutions should be deducted from the total credit line of the customer’s own credit card, and the situation of new card issuing customers applying for credit cards from other institutions at the same time should be monitored and the corresponding credit line reduction should be implemented.

　　(XIII) Banking financial institutions shall implement strict and prudent dynamic management of credit line of credit card, and re-evaluate, calculate and determine the credit line of credit card customers at least once a year. For customers whose risk situation has obviously deteriorated, measures such as reducing the credit line should be taken in time. The customer who raises the credit line shall be re-approved for credit, and the credit line shall not be raised without the consent of the customer. Banking financial institutions shall strictly set the approval authority for raising the credit line, and reasonably set the range, frequency, time interval and validity period of the temporary increase of the credit line.

　　(XIV) [Risk Model] Banking financial institutions shall establish and improve the whole process management mechanism of credit card risk model development, testing, evaluation, application, monitoring, correction, optimization and withdrawal, ensure that the risk model development and evaluation links are independent of each other, and re-evaluate the risk model at least once a year and update and optimize it in time. When using the risk model provided by the cooperative organization, the principles of interpretability, verifiability, transparency and fairness shall be followed, and the responsibility of risk model management shall not be outsourced. The board of directors and senior management of banking financial institutions should understand the role and limitations of credit card-related risk models.

　　Fourth, strictly control the flow of funds

　　(XV) Banking financial institutions shall take effective measures to timely and accurately monitor and control the actual use of credit card funds. Credit card funds shall not be used for repayment of loans, investment and other fields, and it is strictly forbidden to flow into areas restricted or prohibited by policies.

　　(XVI) Banking financial institutions shall strengthen the monitoring and analysis of abnormal card use behaviors such as cashing and swiping, continuously optimize transaction monitoring rules, enhance early warning capabilities, and continuously and effectively prevent and control all kinds of fraud risks. Record and save credit card transactions and other information completely according to law, and continuously meet the requirements of supervision and inspection by financial regulatory authorities and investigation and evidence collection by judicial organs in China. If the transaction information that the acquiring institution should send is not received, it shall promptly inform the bank card clearing institution, the online payment clearing platform of non-bank payment institutions and other relevant institutions. For customers who confirm the existence of cash withdrawal, banking financial institutions should immediately take effective restrictive measures to control the risk of credit card funds.

　　Five, comprehensively strengthen the standardized management of credit card installment business.

　　(XVII) Banking financial institutions shall strictly regulate the management of credit card installment business. To handle installment business for customers, we should set up independent application, approval and other links in advance, fully disclose the nature of installment business, handling procedures, potential risks and liability for breach of contract in a concise and easy-to-understand way, and confirm the knowledge by customers in a legally effective way. A separate contract (agreement) shall be signed with the customer for each installment business, and it shall not be confused with or bundled with other credit card business contracts (agreements). If the credit card installment funds need to be transferred to the customer’s own account, it shall be transferred to his own bank settlement account except the credit card, and the amount and term shall be managed according to the cash advance business.

　　(XVIII) [Prohibitive Provisions] Banking financial institutions shall not re-stage the fund balance that has been staged, except for the personalized installment repayment agreement stipulated in the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks. No minimum repayment service shall be provided for installment business. Do not only provide or check the option of charging full installment interest at one time by default.

　　(XIX) [Amount and Term] Banking financial institutions shall carefully set the amount and term of credit card overdraft by installment, and specify the minimum starting amount and the maximum amount of installment business. The term of installment business shall not exceed 5 years. If the customer really needs to apply for installment repayment for the cash advance business, the amount shall not exceed RMB 50,000 or the equivalent in a freely convertible currency, and the term shall not exceed 2 years.

　　(20) [Disclosure Form of Interest and Fee] A banking financial institution shall clearly display all interest and fee items, annualized interest rate levels and interest and fee calculation methods that may be generated by installment business on the first page of the installment business contract (agreement). When showing customers the use cost of funds collected by installment business, interest shall be used uniformly, and handling fees shall not be used, unless otherwise stipulated by laws and regulations.

　　(21) If the customer settles the credit card installment business in advance, the banking financial institution shall charge interest according to the actual amount of funds occupied and the term.

　　Sixth, strict management of cooperative institutions

　　(22) [Management of Cooperative Institutions] When conducting credit card business cooperation, banking financial institutions should earnestly implement the main responsibility of business compliance review and strengthen cooperation with cooperative institutions in employee compliance and consumer protection training. The credit card business management department of the head office or the headquarters of the credit card franchise institution shall formulate clear entry and exit standards and management approval procedures for the cooperative institutions, and implement list management. A written cooperation contract shall be signed with the cooperative institution to clearly stipulate the rights and responsibilities of both parties. If it is found that the cooperative institution provides unfair and unreasonable cooperation conditions or services, it shall refuse to cooperate or terminate the cooperation according to the contract. The cooperative institutions mentioned in this Notice include, but are not limited to, various institutions that cooperate in credit card advertising promotion, payment and settlement, information technology, value-added services and collection.

　　(23) [Cooperative Management] Banking financial institutions shall accept business links such as credit card application, customer information collection, identity verification, card issuance review, contract (agreement) signing, credit card transaction, bill information inquiry, repayment, etc. through self-operated network platforms, pages or other electronic channels managed and controlled by cooperative institutions, so as to ensure clear and accurate creditor-debtor relationship. For consumers who transfer to the self-operated network platform of their own institutions through the channels of other cooperative institutions, the cooperative institutions shall be required to make special tips on the difference between the ownership subjects of the channels and places.

　　(24) [Concentration Management] The total number of credit cards issued by a banking financial institution through a single cooperative institution or a number of cooperative institutions with related relationships shall not exceed 25% of the total number of credit cards issued by the institution, and the total credit balance shall not exceed 15% of the total credit balance of the institution.

　　(25) [Co-branded card management — Main responsibility] Banking financial institutions shall assume the main responsibility for the operation and management of their co-branded cards, ensure that both parties to the co-branded cards present their own brands equally in all credit card-related business links, and shall not directly or in disguised form exercise banking duties on behalf of the co-branded units or substitute the brand of the co-branded units for the bank brand. We should continue to strengthen the analysis and monitoring of the business risk, reputation risk and other adverse effects of the joint venture, and strictly prevent the risk from being transmitted to this institution. Except for obtaining separate authorization from customers through the self-operated channels of the institution, information unrelated to its rights and services shall not be returned to the joint venture. It is not allowed to carry out business beyond the business area restrictions by issuing joint-name cards or through the channels of joint-name units. Strengthen cooperation with bank card clearing institutions, and establish and improve the business rules for issuing co-branded cards.

　　(XXVI) [Co-branded card management — Joint unit] Banking financial institutions shall carefully and fully evaluate the matching degree between joint units and credit card product positioning. A joint entity shall be a non-financial institution that provides value-added services to credit card customers in its main business field. Banking financial institutions shall not cooperate with financial institutions, financial holding companies and their subordinate financial institutions, non-bank payment institutions and local financial organizations to issue co-branded cards, except as otherwise provided by China Banking and Insurance Regulatory Commission.

　　(XXVII) [Co-branded card management — Service restrictions] The business scope of joint-name card cooperation of banking financial institutions shall be limited to the advertising promotion of joint-name units and the rights and interests services related to their main business. Where a joint venture provides data analysis, technical support, collection and other services, it shall sign a special contract separately, and stipulate the rights and responsibilities of both parties according to the principle of matching income and risk, and different cooperation content categories shall not be confused and cross-bound.

　　(XXVIII) [Co-branded card management — Service charge] If a joint unit participates in the credit card revenue or profit sharing directly or in disguised form in the joint card business cooperation, or improperly links the charging standard with the credit card overdraft amount and other indicators, the banking financial institution shall stop the joint card cooperation with it.

　　(29) [Collection Management] Banking financial institutions shall implement the main responsibility of collection management, strictly formulate and implement management systems such as audit inspection and complaint handling of collection business, standardize collection behavior, and shall not provide or disclose customer arrears information in violation of laws and regulations, and shall not collect debts from third parties unrelated to debts. Continuously strengthen the collection capacity building of this institution and reduce the dependence on outsourcing collection.

　　Vii. strengthening the protection of consumers’ legitimate rights and interests

　　(30) [Consumer Protection Review] Banking financial institutions shall establish a review system and working mechanism for the protection of consumers’ rights and interests, and incorporate them into the credit card business risk management and internal control system. Regularly and strictly review credit card format contracts to avoid clauses and contents that infringe on consumers’ legitimate rights and interests.

　　(31) [Reasonable Pricing] Under the premise of complying with laws and effectively covering risks, banking financial institutions should scientifically determine the level of credit card interest fees, improve the quality and efficiency of services, continue to take effective measures, and resolutely promote the reasonable decline of credit card interest fees. Except for cash withdrawal business, the total amount of interest charged by banking financial institutions to customers who default or fail to repay overdue shall not exceed the corresponding overdraft principal.

　　(32) [Data Security] Banking financial institutions shall strictly implement data security and other relevant laws and regulations and relevant provisions on credit management, follow the principle of "legality, justness and necessity", and clearly stipulate in the cooperation contract the purpose, manner and scope of the use of customer information by both parties, customer information confidentiality responsibilities and obligations, and effective measures to prevent and control the risk of customer information disclosure. It is not allowed to cooperate with institutions that conduct data processing in violation of laws and regulations.

　　Eight, strengthen the supervision and management of credit card business.

　　(33) [Daily Supervision] China Banking and Insurance Regulatory Commission and its dispatched offices shall strengthen the risk identification, monitoring, early warning, prevention and control and disposal of credit card business of banking financial institutions, and continuously strengthen the extended monitoring and regulation of various business activities related to credit card business. In violation of the provisions of this notice, it shall be ordered to make corrections within a time limit, and relevant regulatory measures or administrative penalties may be taken according to the Banking Supervision Law of the People’s Republic of China and other laws, administrative regulations and relevant provisions.

　　(XXXIV) [Online Credit Card Business] In accordance with the principles of controllable risks, safety and order, China Banking and Insurance Regulatory Commission has promoted the innovation of the credit card industry and explored innovative modes such as online credit card business through pilot projects.

　　(35) [Strengthening Industry Self-discipline] The China Banking Association shall give full play to the industry self-discipline function, continuously improve the self-discipline rules and risk evaluation system of credit card business, and strengthen self-discipline punishment and notification.

　　(36) This notice shall come into force as of the date of promulgation. Banking financial institutions shall, within one month from the date of implementation of this notice, formulate and submit a rectification plan to the regulatory authorities, and clarify the rectification objectives and time schedule. If the credit card business that has been started does not conform to the provisions of this notice, the rectification shall be completed within 24 months.

　　(37) [Other Arrangements] If the relevant provisions before the issuance of this notice are inconsistent with this notice, this notice shall prevail. China Banking and Insurance Regulatory Commission is responsible for the interpretation of this notice.