On June 1st, Chen Mou, an online fugitive, was arrested in giant buddha.

　　On May 29th, Zhang (third from left), an online fugitive, was arrested in giant buddha.

　　On the afternoon of June 1st, giant buddha, Chen Mou, an online fugitive, was arrested by the police. On April 22nd, May 10th and May 29th, the police arrested three online fugitives, including Liu, Li and Zhang, in giant buddha. In just 40 days, four online fugitives were arrested in giant buddha, which made many netizens jokingly say that "giant buddha is better than Jacky Cheung concert".

　　For these recent achievements, the relevant person in charge of the Giant Buddha Scenic Area Branch of Leshan Public Security Bureau and the patrol special police detachment said that this is because Leshan police have always maintained a high-pressure situation against online fugitives, and recently further strengthened the crackdown on online fugitives.

　　hunt

　　The escaped prisoner swam to the Buddha, and the police chased him for 500 meters and arrested him.

　　At 11 o’clock in the morning of June 1, the duty officer of the special patrol detachment of Leshan Public Security Bureau received an alarm message, and a suspected net escapee was active in giant buddha. The plainclothes team members immediately rushed to the scenic spot to verify the situation.

　　At about 14 o’clock, plainclothes team members found the man in front of Lingyun Temple in the Giant Buddha Scenic Area and checked him according to law. The man did not carry any personal identification documents and could not provide valid identity information accurately, so the police prepared to take him back to the detachment for further questioning.

　　When the police took the man out of the east gate of the scenic spot, it coincided with a large number of tourists and vehicles entering and leaving, and the man took the opportunity to escape in the direction of Guicheng Mountain. The plainclothes team members and the police officers of the Public Security Bureau of the Giant Buddha Scenic Area on duty immediately chased after it. After chasing for five or six hundred meters, the man saw the police chasing after him and fled into an idle house to hide. Subsequently, the police put the house under control and finally captured it from a woodpile in the house.

　　After investigation, the man was an online fugitive Chen Mou (24 years old, from Xi ‘an, Shaanxi). At 2 o’clock in the morning of July 8, 2017, Chen Mou handcuffed two victims, Zhang and Wang, to the trunk of a car in a village in Xi ‘an, and then dragged the two victims several hundred meters by driving the vehicle. During this period, he also insulted and verbally threatened the two victims, and beat the victim Wang with a pickaxe, illegally restricting the personal freedom of the two victims for nearly three hours.

　　After the incident, Chen Mou was chased by the local police online. After being arrested by Leshan police, Chen Mou confessed to the fact that he was suspected of illegally detaining others.

　　military successes/exploits/feats

　　Four fugitives were arrested in the Giant Buddha Scenic Area within 40 days.

　　Chen Mou is the fourth online fugitive captured in giant buddha in the last month or so.

　　At 9 o’clock in the morning of April 22, plainclothes policemen on duty in the dispatching room of Leshan Special Patrol Police got an important information about net escape: an online fugitive was playing in giant buddha. After determining its approximate location, plainclothes members quickly went to the Giant Buddha Scenic Area and successfully arrested the online fugitive Liu (male, 33 years old, from Chongqing) suspected of fraud. After investigation, from August 26 to September 1, 2014, after spending 486,680 yuan with a credit card, Liu not only refused to pay back, but also disappeared. He was put on file for investigation by Chongqing police and pursued online.

　　On May 10th, Leshan Special Patrol Police cooperated with Wutongqiao Police in Leshan City to get a clue: Li (male, 32 years old, from Tanghe, Henan Province), an online fugitive, appeared in giant buddha at 11 o’clock that day. The plainclothes members of the special patrol immediately went to the Giant Buddha Scenic Area, and about an hour later, Li was blocked at Lingyun Temple in the scenic area. During the on-site inspection, Li tried to evade the inspection with false information, and the police immediately summoned him to the special patrol detachment according to law and excluded his false information. In the end, Li had to truthfully explain his true identity information and the illegal facts of suspected crimes. It was verified that Li was chased by Henan Xinye police on October 31, 2017 for alleged intentional injury.

　　At about 14: 30 on May 29th, Zhang, an online fugitive suspected of fraud, appeared in giant buddha. After the specific location of the suspect was determined through the surveillance video, the plainclothes police of Leshan Patrol Special Police quickly dispatched the police and successfully blocked the suspect Zhang with the assistance of the police of the Giant Buddha Wuyou Police Station of the Public Security Bureau of the Giant Buddha Scenic Area. After investigation, on June 26, 2017, the Chengdu police received an alarm from the masses: On April 25, 2017, the victim met Zhang, who claimed to be a civil aviation pilot, through the social networking software of the mobile phone. From May 6 to 29, Zhang borrowed more than 16,000 yuan from the victim for reasons such as the freezing of his bank card. On June 2 of the same year, Zhang borrowed the victim’s mobile phone and lost contact.

　　At present, the above four suspects, including Chen Mou, have been handed over to relevant parties for further investigation and handling.

　　netizen

　　4-3 Jacky Cheung Concert in the Great Buddha Scenic Area.

　　After the recent brilliant achievements were announced by Leshan police one by one, careful netizens counted the results — — Within 40 days, four online fugitives were arrested. Some netizens joked about this: "giant buddha is better than the Jacky Cheung concert."

　　Prior to this, Jacky Cheung was called a "fugitive nemesis" by netizens. At his Nanchang concert on April 7, Ganzhou concert on May 5 and Jiaxing concert on May 20 this year, three fugitives were arrested by the police. As for the "title" of the netizen "fugitive nemesis", Jacky Cheung responded humorously in an interview: "To be honest, if you are a thief, you will be arrested if you go to a convenience store to buy things. Right? "

　　As for the recent pursuit achievements in the Giant Buddha Scenic Area, the relevant person in charge of the Giant Buddha Scenic Area Branch of Leshan Public Security Bureau and the patrol special police detachment of Leshan Public Security Bureau said that this is because Leshan police have been keeping a high pressure on online fugitives, and recently further strengthened the crackdown on online fugitives.

Nanchang Evening News

News recommendation reading

Too sudden! The 36-year-old well-known anchor was diagnosed! On April 8, Kweichow Moutai once fell more than 3% in intraday trading, and finally closed down by 2.82%. On April 9, Kweichow Moutai continued to fall. At the same time, the news that the wholesale price (market circulation price) of bulk bottles of Feitian Moutai fell below 2600 yuan in 2024 also attracted market attention.

Did Feitian Maotai fall?

Regarding the rumor that the price of 53-degree/500-ml Feitian Maotai was reduced, the reporter asked a number of liquor recyclers, and all the answers were "down".

"(Loose bottles) were still 2460 yuan/bottle in the morning, and now they are 2400 yuan/bottle. The market is too fast." On the evening of the 8 th, a liquor recycler told Zhongxin Finance, "If you can’t move, you can’t afford the recycling price."

Another liquor recycler replied that Moutai in different years has been falling recently: "Maotai is now falling dozens a day." The lowest quotation given by the recycler is 2350 yuan/bottle.

Data Map: A supermarket in Guizhou Moutai counter. China News Service reporter Lu Mingshe

In addition to the downward trend in the secondary market price, at the sales terminal, the sales price of Maotai is also lower.

The reporter visited a number of liquor stores in Beijing, and the quotations of some liquor stores dropped from 3,280 yuan/bottle to 3,080 yuan/bottle, while those of some liquor stores dropped from 2,980 yuan/bottle to 2,850 yuan/bottle, with the drop ranging from 150-200 yuan, and the lowest quotation was 2,750 yuan/bottle.

"The price of Maotai in liquor has changed relatively quickly. Yesterday it was 3,100 and 3,200, and today it is 2,800 and 2,900." Some wine companies told reporters.

In addition, some liquor recyclers said that Wuliangye may also cut prices. At present, the recycling price of puwu in bulk bottles is between 800-850 yuan/bottle. However, at the sales terminal, the price of Wuliangye did not fall. Some liquor wholesalers said that due to the previous price increase of Wuliangye, the wholesale price of Wuliangye bulk bottles was slightly raised to 990 yuan/bottle.

On April 9, Kweichow Moutai continued to fall, closing at 1662.22 yuan, down 0.27%.

Why did it fall?

April was originally the off-season of liquor sales, so it seems not unusual for liquor prices to go down. However, in the eyes of many recyclers, the price drop of Maotai this time is unusual. "This is a plunge, not just because of the off-season. If there is wine, either sell it quickly or wait until the Mid-Autumn Festival to see the market. "

The reporter noted that it is generally believed in the industry that the heavy volume of 375ml Xunfeng wine has had an impact on the market of Feitian Maotai.

On December 31, 2023, Maotai officially launched 375ml "Guizhou Maotai Xunfeng Liquor". Maotai officially claimed that this is a strategic product independently developed by Maotai. On March 28th this year, WeChat official account, the WeChat of Xunfeng Digital World, announced that from now on, users who hold relevant materials in the APP can follow the corresponding steps to synthesize the corresponding materials and complete the exercise right, and can complete the delivery of 375ml Kweichow Moutai (Xunfeng) in the online store.

On December 31, 2023, Maotai officially launched 375ml of "Kweichow Moutai Xunfeng Liquor". Screenshot from Kweichow Moutai official WeChat WeChat official account.

Cai Xuefei, a wine commentator and analyst, said: "The decline in the price of famous wines is not only due to the normal off-season of the market, but also related to factors such as the large social inventory in the early stage. In addition, the concentration of Feitian Maotai by individual sellers with large inventory of Maotai and the concentration of 375ml Maotai Xiefeng liquor caused panic in the market, which also caused a short-term decline in the price of Maotai. As a whole, the short-term supply in the market exceeded the demand, which naturally brought price fluctuations. "

Cai Xuefei believes that as a representative of high-end famous liquor, the price decline of Moutai will inevitably lead to the decline of the overall high-end product price in the short term, further squeezing the high-end liquor consumption market and intensifying the competition in the high-end liquor market.

On the afternoon of April 8, insiders of Kweichow Moutai told the media that the planned amount of Xunfeng liquor accounts for a small proportion of the annual amount of Moutai, which will not affect the existing price system of Moutai. At present, the sales of Moutai are in good condition.

Will the price of Maotai warm up?

As for the drop in the price of Maotai, some people think that even if it rises later, it will be difficult to reach the original height. So, will the price of Maotai warm up?

Cai Xuefei believes that although the price of Maotai has fallen in the short term, it will remain strong in the future. "From a rational point of view, the people’s livelihood needs of Maotai in the banquet, business and gift markets have not changed. With the continuous recovery of social economy and the deepening of some marketing measures of Maotai enterprises, the demand of Feitian Maotai will also enter a recovery cycle in the third quarter, thus stabilizing and rebounding, and the overall price is still in an upward trend."

He pointed out that at present, in 2024, the whole wine industry still faces problems such as high inventory, upside-down price and insufficient demand. The market needs time to digest the capacity expanded in the past few years, and the price needs time to repair, which will still lead to 2024. It will be a difficult year.

Kweichow Moutai displayed in liquor stores. Zuo Yuqing photo

"But on the positive side, wine is a folk product in China. Maotai Wuliangye and other famous wines are just needed in banquets, gifts and other markets. The characteristics of this category have not changed. With the continuous improvement of industrial concentration and the trend of consumption upgrading, these famous wines still have good development prospects."

This month, Kweichow Moutai announced its 2023 financial report. The data shows that in 2023, Kweichow Moutai achieved a total operating income of 150.56 billion yuan, a year-on-year increase of 18.04%; The net profit attributable to shareholders of listed companies was 74.734 billion yuan, a year-on-year increase of 19.16%.

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Original title: "Flying Maotai, plummeting! 》

Read the original text

Qilu. com October 12 th Through the reform of investment promotion system, Qingdao High-tech Zone has made investment promotion professional and accurate, and improved the quality and efficiency of investment promotion.

Although it was the weekend, Chi Ming, who was in charge of investment promotion in Qingdao High-tech Zone, took the initiative to come to the door because of a phone call from the enterprises in the park. This photoelectric equipment enterprise, led by Chi Ming, has been running for more than a year now.

Chi Ming, deputy director of comprehensive service division of scientific research institutes in Qingdao National Hi-tech Industrial Development Zone, told reporters, "What we are asking now is that we should follow up every introduced project with a lifelong responsibility attitude, from initial contact and negotiation, to landing transformation, and even to subsequent overall operation".

This attitude comes from the reform of investment promotion system in Qingdao High-tech Zone. Two years ago, according to the direction of industrial development, the local government transferred personnel from various departments to set up 10 investment promotion departments. Their files were sealed and their administrative levels were broken, so that special people were allowed to do special things. The objectives and tasks are also more detailed, and the assessment of each business department includes dozens of requirements in different categories, such as the number and quality of imported projects and high-level talents.

Li Xianfeng, deputy general manager of Changguang Yuchen Information Technology and Equipment (Qingdao) Co., Ltd. said: "Once we have some ideas or problems, we will communicate and consult with them in time and give us a corresponding clear solution, which is really a nanny service."

The reform of investment promotion system has enabled Qingdao High-tech Zone not only to recruit but also to retain enterprises. Last month alone, 86 projects with a total investment of 61.8 billion chose to settle here. At present, Qingdao High-tech Zone has introduced 177 key projects of emerging industries in the world, including one Fortune 500 company and six top 50 domestic enterprises.

Wang Zuoan, secretary of the Working Committee of Qingdao High-tech Zone, said: "We have changed from’ signature and seal’ in the past to’ nanny service’, so that every project that landed in Qingdao High-tech Zone has a’ housekeeper’ to help enterprises actively connect with the market, capital and technology. At the same time, let the administrative examination and approval be the simplest procedure and the best service, and the time limit for enterprise start-up will be reduced to less than 3 days. "

Lightning journalist Wei Bo Linyi Taiwan Xu Qi correspondent Fu Yu

Cctv news: On July 14th, Beijing Municipal Bureau of Human Resources and Social Security released the adjustment plan of relevant social security treatment standards in 2022. According to the national requirements, since January 1, 2022, Beijing has continued to adjust the basic pension for retirees of enterprises, institutions and institutions (including retired and retired personnel).

This year’s adjustment will continue to be carried out in accordance with the combination of quota adjustment, linked adjustment and appropriate inclination, and continue to maintain the adjustment method of increasing inclination to retirees with early retirement time, continuous service and long payment period, so that they can enjoy the fruits of social development more.

This adjustment is aimed at retirees who have gone through retirement formalities before December 31, 2021 (inclusive). It is estimated that more than 3.18 million retirees from enterprises, institutions and institutions will be benefited, and pensions will be reissued from January this year, of which enterprise retirees and reissued pensions will be paid in place on July 15. The specific adjustment measures are as follows:

(A) the quota adjustment of basic pension

For each retiree, 36 yuan will be increased each month.

(B) linked to adjust the basic pension

1. Linked to the payment period

This year, we will continue to implement the method of generally increasing the basic pension linked to the payment period. Among them, for retirees who have paid for 10 years or more, the 3 yuan will be increased every month for every 1 year; For the remaining months less than the whole year, the monthly increase is 0.25 yuan. If the payment period is less than 10 years (excluding retirees who transfer from land acquisition to work), the 30 yuan will be increased per person per month; Retirees whose payment period is less than 15 years will receive an increase of 45 yuan per person per month.

2. Linked to the pension level

According to the monthly basic pension level of retirees before the end of 2021, the per capita disposable income level of residents in this city in 2021 (6250 yuan) is used as the baseline to divide into two grades, and each person with more than 6250 yuan will increase 20 yuan per month, and each person with less than 6250 yuan will increase 50 yuan per month.

At the same time, in order to give consideration to fairness, for retirees whose monthly pension level was above 6,250 yuan before adjustment, if it is still below 6,300 yuan after adjustment linked to the pension level, it will be replenished to 6,300 yuan. [See Chart 1]

Chart 1

For example: Uncle Wang, 64 years old, with a payment period of 37 years and a basic pension of 6,255 yuan/month. According to the corresponding standards, 20 yuan should be raised to 6275 yuan when added to the original pension. However, in December 2021, when people with pensions below 6,250 yuan rose to 50 yuan, some people would reach 6,300 yuan (6,250+50), which was higher than Uncle Wang’s 6,275 yuan. Therefore, Uncle Wang was given a higher 25 yuan to make him reach 6,300 yuan. In the adjustment linked to the pension level, Uncle Wang actually increased 45 yuan every month.

This year’s adjustment, Uncle Wang increased by 192 yuan per month, and the basic pension after adjustment was 6447 yuan/month.

(3) Appropriate tilt to senior retirees

For retirees who retire early and are older, in order to further improve their basic living standards, we will continue to give preferential treatment to senior retirees this year. For senior retirees who have reached the age of 65 or above before December 31, 2021, after adjustment according to the above measures, they will once again enjoy the preferential policy of four grades from 40 yuan to 70 yuan. That is, retirees aged 65 to 69 will increase their 40 yuan every month; 70 to 74 years old, each person will increase 50 yuan every month; Each person aged 75 to 79 will add 60 yuan every month; 70 yuan will be increased every month for each person over 80 years old.

On this basis, for retirees over 65 who have paid for 30 years, the 5 yuan will be increased every month, so as to reflect the further preference for retirees with early retirement time, continuous service and long payment period. [See Chart 2]

Chart 2

For example: Aunt Zhao, 68 years old, with a payment period of 33 years, has a basic pension of 4,500 yuan/month.

This year’s adjustment, Aunt Zhao added a total of 230 yuan every month, and the basic pension after adjustment was 4,730 yuan/month.

For example: Uncle Liu, 80 years old, with a payment period of 40 years and a basic pension of 5,700 yuan/month.

This year’s adjustment, Uncle Liu increased by 281 yuan per month, and the basic pension after adjustment was 5981 yuan/month.

(D) Two special adjustment methods

First, continue to adjust the retirement benefits of old workers who participated in revolutionary work before the founding of the people’s Republic of China. This adjustment will still be made according to the previous year’s method, that is, those who participated in the revolutionary work from July 7, 1937 to September 2, 1945 will receive an increase of 335 yuan per person per month; Those who took part in revolutionary work from September 3, 1945 to September 30, 1949 received an increase of 305 yuan per person per month. On the basis of the adjustment of the above two standards, they also enjoy the preferential policy for senior retirees. This adjustment will generally increase by 375 yuan/month to 405 yuan/month.

The second is to ensure that the retired military cadres of enterprises and the former industrial and commercial personnel are not lower than the average pension level of enterprise retirees in the city after adjustment. After increasing the basic pension according to the quota and payment period and increasing the basic pension according to the absolute amount, if the basic pension of enterprise retired military cadres and former industrial and commercial workers is lower than the adjusted average pension level of enterprise retirees in the city, it will be replenished to the average level. At the same time, senior retirees who have reached the age of 65 or above before December 31, 2021 (inclusive) also enjoy the preferential policy for senior retirees.

The pensions adjusted by the retirees before December 31, 2021 (inclusive) of the municipal institutions and institutions will also be paid in place before the end of July.

　　As of January 25th, except Jiangsu, Zhejiang, Hebei, Yunnan, and Xinjiang, 26 provinces in China have handed in the 2020 economic answer sheet.

　　Judging from the total economic output in 2020, among the 26 provinces, the total economic output of 21 provinces exceeds 1 trillion yuan. Guangdong has been ranked first in the country for 32 consecutive years. Last year, the total economic output exceeded the 11 trillion yuan mark for the first time. According to the data of the World Bank, this data also surpassed the total economic output of Russia and South Korea in 2019, followed by Canada.

　　Judging from the economic growth rate in 2020, among the 26 provinces, the economic growth rate of 16 provinces exceeds or is equal to the national performance. The central and western regions remain in the lead. In 2020, Tibet’s GDP growth rate will lead the whole country, with an annual economic growth of 7.8%.

　　In 2020, the regional GDP of Hubei Province was 4.34 trillion yuan, down 5.0% from the previous year, and the decline was 34.2 percentage points narrower than that in the first quarter. From "pressing the pause" in the first quarter to "restarting the recovery" in the second quarter, and then "accelerating the overall recovery" in the second half of the year, Hubei withstood the huge impact of the "pause" for 76 days, and the economy recovered and developed well in the face of enormous difficulties and challenges throughout the year.

　　Guangdong’s total output exceeds 11 trillion yuan, ranking first in the country for 32 consecutive years.

　　From the perspective of the economic aggregate in 2020, Guangdong has no suspense to reach the top of the list again. The annual economic aggregate exceeded 11 trillion yuan, ranking first in the country for 32 consecutive years. The total amount even exceeds the GDP of Russia and South Korea in 2019. Considering the impact of the epidemic, China is the only major economy that has achieved positive economic growth, which means that Guangdong’s GDP will definitely exceed that of Russia and South Korea in 2020.

　　In 2020, the regional GDP of Guangdong Province was 11.076 trillion yuan, a year-on-year increase of 2.3%. This economic volume can be described as "extremely rich". At present, Guangdong’s GDP in 2020 is equivalent to 1.7101 trillion US dollars.

　　According to the World Bank’s data on the economic aggregate of Russia and South Korea in 2019, Russia’s GDP in 2019 was 1.6999 trillion US dollars, ranking 11 th in the world; South Korea’s GDP in 2019 was 1. 6467 trillion US dollars, ranking 12th in the world. In 2020, Guangdong’s total economic output will steadily surpass that of Canada. Jiangsu, whose economic aggregate has followed Guangdong all the year round, has not yet announced its GDP in 2020. However, in 2019, the total economic output of Jiangsu approached 10 trillion yuan, and the regional GDP reached 9.96 trillion yuan, an increase of 6.1% over the previous year.

　　Jiangsu will undoubtedly become the second province in China with GDP exceeding 10 trillion yuan. Judging from the performance in 2020, Jiangsu’s GDP in the first quarter of last year fell by 5% year-on-year; The first half of the year increased by 0.9% year-on-year; The first three quarters increased by 2.5% year-on-year, and many indicators reached or exceeded the same period last year.

　　Shandong’s GDP in 2020 was 7.31 trillion yuan, a year-on-year increase of 3.6%. Followed by Henan, the GDP last year was 5.4997 trillion yuan, a year-on-year increase of 1.3%.

　　In 2020, there are four provinces with GDP in the "4 trillion yuan club", namely Sichuan (4.86 trillion yuan), Fujian (4.39 trillion yuan), Hubei (4.34 trillion yuan) and Hunan (4.18 trillion yuan). Among them, Hunan’s regional GDP exceeded 4 trillion yuan for the first time last year, up 3.8% year-on-year, up 2.5 percentage points from the first half of the year.

　　The GDP of Shanghai, Anhui and Beijing exceeded 3 trillion yuan in 2020, and the GDP of Shaanxi, Jiangxi, Liaoning, Chongqing and Guangxi was in the array of 2 trillion yuan last year. Last year, GDP exceeded 1 trillion yuan, including Guizhou, Shanxi, Inner Mongolia, Tianjin, Heilongjiang and Jilin provinces.

　　The economic growth rate of 16 provinces surpassed or equaled the national results.

　　According to preliminary accounting, in 2020, China’s GDP will be 101,598.6 billion yuan, an increase of 2.3% over the previous year at comparable prices. Quarterly, it decreased by 6.8% in the first quarter, increased by 3.2% in the second quarter, increased by 4.9% in the third quarter and increased by 6.5% in the fourth quarter.

　　Among the 26 provinces, the economic growth rate of Tibet, Guizhou, Anhui, Chongqing, Gansu, Ningxia, Jiangxi, Hunan, Sichuan, Guangxi, Shanxi, Shandong, Hainan, Fujian, Jilin and Guangdong in 2020 exceeded or was equal to the national achievement. The central and western regions remain in the lead. In 2020, Tibet’s GDP growth rate will lead the country. Last year, the gross domestic product of Tibet exceeded 190 billion yuan, and the annual economic growth was 7.8%.

　　Guizhou followed closely, with GDP of 1.78 trillion yuan in 2020, up 4.5% year-on-year, and the growth rate was 2.2 percentage points higher than that of the whole country, ranking among the top in the country for 10 consecutive years.

　　The GDP growth rates of Anhui, Chongqing, Gansu and Ningxia were all 3.9% last year, while those of Jiangxi, Hunan and Sichuan were all 3.8%. Last year, Guangxi, Shanxi, Shandong, Hainan and Fujian also had economic growth rates exceeding 3%.

　　The GDP growth rates of Liaoning, Inner Mongolia and Hubei provinces are temporarily ranked at the bottom. Among them, Liaoning’s GDP last year was 2.51 trillion yuan, a year-on-year increase of 0.6%; Inner Mongolia’s total economic output last year was 1.74 trillion yuan, a year-on-year increase of 0.2%.

　　In 2020, the regional GDP of Hubei Province was 4.34 trillion yuan, which was 5.0% lower than the previous year at comparable prices, and the decline rate was 34.2 percentage points narrower than that in the first quarter.

　　It is particularly noteworthy that in the first three quarters of this year, Hubei’s GDP was surpassed by Hunan all the way, but the annual economic aggregate of Hubei surpassed Hunan by 166.197 billion yuan.

　　From "pressing the pause" in the first quarter to "restarting the recovery" in the second quarter, and then "accelerating the overall recovery" in the second half of the year, Hubei withstood the huge impact of the "pause" for 76 days, and the economy recovered and developed well in the face of enormous difficulties and challenges throughout the year.

　　"Under the great epidemic, we have stabilized the basic economic disk, firmly grasped the bottom line of people’s livelihood, nurtured development opportunities, and made painstaking efforts." Hubei Provincial Bureau of Statistics said that Hubei handed over a better-than-expected and precious heroic answer sheet.

Promotion date: April 14th, 2021 to May 31st, 2021.

Compared with the old Senna, 21 models with a new generation of 2.5-oil mixture have not only been upgraded in appearance, space, comfort, high-tech configuration and power, but also their fuel consumption has been reduced by almost half. Therefore, in the ranking of many commercial vehicles, it has undoubtedly become a leader.

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The interior of 21 Toyota Senna also adopts the asymmetric center console design of Toyota family, and the steering wheel is also designed in three positions. The steering wheel is partially decorated with chrome, and there are many technology buttons on it, which is highly intelligent. At the same time, the steering wheel is wrapped in leather, which is particularly textured. The new car is still equipped with an all-LCD instrument panel design, with a lot of driving information on the instrument panel, and the whole interior is full of science and technology.

The 21 Toyota Senna models are super functional, with front seat heating, steering wheel heating, and double-sided electric side sliding doors. The electric tailgate has become standard, and the high-equipped models will also adopt the design of inductive electric double-sided doors and tailgates, which will increase convenience. Except for the lowest equipped LE with 3-zone air conditioner, the other configurations are all equipped with 4-zone air conditioner, and the highest equipped models are also equipped with front seat ventilation with memory function and rear seat heating, which makes up for the shortcomings of the old models with simple configuration.

The reason why MPV model is so popular is mainly because it is very practical, that is, it can cope with home travel and business travel, and the most representative one is Toyota Senna. Brand-new 21 2.5 Senna stylish appearance, spacious internal space, a sense of luxury and technology, can be called the second generation of daddy artifacts.

21 2.5 hybrid Toyota Senna can be said to be a brand-new wide-body home 7-seat MPV. The interior space of the new car is quite spacious. According to the strict ergonomic design of many top designers, the seat hardness and inclination angle are very comfortable. The spacious three rows of seats have sufficient front and rear space, and both the second and third rows have privacy sun shades. The third row of seats can also be completely put down in the trunk, which doubles the space of the trunk and meets all the needs of the occupants.

The design of the new 21 Toyota Senna tail is also very fashionable. The red LED taillights are the biggest design highlight of the whole tail. Not only is the shape full of movement, but the lighting effect is particularly excellent. The blue Toyota Iogo indicates the identity of the new Senna hybrid model.

The above article is only a brief introduction of the car model. Friends who need a deeper understanding can add their own WeChat. WeChat friends circle updates a large number of imported cars and new cars every day, including configuration, quotation, pictures and market conditions. If you have any questions, I will answer them for you at the first time. You can buy a car by stages all over the country, without any handling fees and other compulsory fees. You can go through all the formalities on the same day when you go to the store to see and pick up the car, and check the goods in person, so as to avoid your worries, serve every consumer wholeheartedly and honest merchants, and create a better reputation with 10 years of experience. Look forward to your arrival!

(For more details of vehicle price configuration, please call the contact information at the bottom of the article.)

　　The large-scale documentary film "Awesome, My Country" which will be released this Friday premiered yesterday. The film, jointly produced by CCTV and China Film Co., Ltd., tells the development and achievements of the motherland in the form of light and shadow. On the same day as Awesome, My Country, there are also films nominated for this year’s Oscar, Money World and Three Billboards Outside Ebbing, Missouri.

　　"Awesome, My Country" premiered

　　28 stars jointly recommended

　　Wei Tie, director of the film creation team, Guo Gang, editor, Chen Changye and Danrong Wang, voice director, gathered together yesterday to talk about the story behind the creation. Lin Ming, chief engineer of the Hong Kong-Zhuhai-Macao Bridge, Chen Deqi, a private entrepreneur in Fujian, and Zhang Zuohe, general manager of China Construction Libya Branch, also came to the scene to share their blood and passion. The hosts of CCTV’s financial channel made a collective appearance, with Wang Xiaoya, Ma Hongtao, Qin Fang, Wang Xiaoqian, Lu Yiming, Zhang Lin, Zhou Yun, Yan Fang, Xu Tao, Zhang Jing and Zhou Rong joining hands. Bai Kainan, Jianfeng Bao, Che Yong li, Cong Shan, Fang Xiaoli, Fu Shaojie, Gong Hanlin, Gu Changwei, Jin Yuting, Li Chen, Li Muzi, Niu Ben, Qin Lan, Su Li, Sun Chun, Tian Muchen, Wen Zhang, Wu Jing, Wu Jun, Wu Ruofu, Wu Yue, Xu Wenguang, Yan Danchen, Zang Jin.

　　The film not only records the extraordinary super projects such as China Bridge, China Road, China Car, China Port and China Net, but also shows the achievements of the largest radio telescope FAST in human history, the world’s largest offshore drilling platform "Blue Whale 2", the research and development of maglev train and 5G technology. While sharing the shocking image, the master also told the story behind it, which made the audience sincerely sigh "Awesome, my country!"

　　The second half of the film tells the life changes of ordinary people from the perspective of "small family". From the living conditions of poverty alleviation workers at the grass-roots level, to the three generations who built the world’s largest artificial forest on Bashang, to the health administrator who did a good job in household entry and the mighty teacher who defended the country, it vividly recorded China’s outstanding achievements in poverty alleviation, ecological civilization construction, medical security and national security system.

　　"Money World" premiered

　　At the age of 88, he was nominated for an Oscar for nine days.

　　Ridley scott, a great guide who is over 80 years old, is admirable in his creativity — — The Money World directed by him will be released in China this Friday, and the film premiered yesterday. Ma Yili, the promotion ambassador of China, came to the scene to connect with michelle williams, the star of Money World, and called on everyone to go into the cinema to support Money World and understand the meaning of wealth in the movie. "Don’t be kidnapped by money."

　　Based on real events, Money World tells the story that the grandson of paul getty, the former richest man in the world, was kidnapped. The original protagonist of the film was kevinspacey fowler, but more than a month before the film was released, Spacey’s sexual assault scandal was exposed, which led to the deletion of all his scenes, and the 88-year-old Christopher Plummer made up the film.

　　80-year-old ridley scott and 88-year-old Plummer worked continuously for 18 hours every day, moving to multiple studios, and finished all the remakes in just 9 days. The film was nominated for Best Director, Best Actress and Best Supporting Actor at the Golden Globe Awards, and Christopher Plummer was also nominated for Best Supporting Actor at this year’s Oscar, becoming the oldest nominee in the history of all Oscar performance awards. Speaking of the 80-year-old director ridley scott, Ma Yili also repeatedly praised: "Age is no longer an obstacle on the art road."

　　Ma Yili also had a video call with michelle williams, the star of Money World. Ma Yili said that she has seen many Michelle movies, from Manchester by the Sea to The King of Circus, which has just been released, and thinks she is a great actress. Ma Yili said that she is both an actress and a mother, so she can understand the difficult situation of Michelle’s mother Gail in Money World. This mother is so strong and brave that it is unforgettable. Michelle in the video also said that she thinks that mother is the noblest profession in the world, and every time she performs a mother, she will have special feelings. For Michelle, her daughter is the most important person in the world.

　　Michelle williams also shared his experience in filming Money World with fans in China: "The 80-year-old ridley scott comes to the scene every day, and every day can bring us a lot of exciting things. It is an extraordinary shooting process to complete an almost impossible task with everyone under pressure."

　　Three Billboards Outside Ebbing, Missouri premiere

　　Here comes the hit film with seven Oscar nominations.

　　This year’s Oscar-winning film Three Billboards Outside Ebbing, Missouri will be shown in 600 special screens of cooperative cinemas under the National Art Film Projection Alliance from March 2nd. The film premiered yesterday, and Lu Chuan and Run Nian Dong who attended the premiere praised the film. Previously, Three Billboards Outside Ebbing, Missouri ended 15 advanced screening in 10 cities, with 100% attendance rate setting a domestic record, and even zero bad reviews after screening.

　　Three Billboards Outside Ebbing, Missouri is a story of violence and black humor in Qi Fei: mildred Hayes erected three billboards on the side of the road in order to do justice for his dead daughter, accusing the local police chief of not handling the case well and confronting the local police, and the fighting between the two sides became more and more fierce. The audience commented: "A sin is fruitless and involves more sins. It also drives the anger of the character and the darkness of human nature in the form of comedy, and despair and hope penetrate."

　　Up to now, Three Billboards Outside Ebbing, Missouri has won 87 awards, including 4 Golden Globes, 5 British Oscars and 7 Oscar nominations — — Best film, best actress, best supporting actor, best original script, best editing, best original score. The film is directed by martin mcdonagh, starring Frances McDormand, Woody Haeerlson and sam rockwell. It is worth mentioning that this film has not been cut in the domestic release version.

　　Text/reporter Xiao Yang

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.

Another year of Dragon Boat Festival.

As one of the four traditional festivals in China,

Dragon Boat Festival became in 2009.

China’s first festival selected as a world intangible cultural heritage.

How much do you know about the Dragon Boat Festival?

Watch it with sister cranberry ~

The origin of the Dragon Boat Festival

1. Originated from commemorating Qu Yuan.

Legend has it that after Qu Yuan’s death, the people of Chu were so sad that they flocked to the Miluo River to pay their respects to Qu Yuan. Fishermen rowed boats and fished for his real body back and forth on the river. A fisherman took out rice balls, eggs and other foods prepared for Qu Yuan and threw them into the river "plop, plop", saying that the ichthyosaurs, shrimps and crabs were full and would not bite the doctor’s body. People followed suit after seeing it. An old doctor took an altar of realgar wine and poured it into the river, saying that it was necessary to stun the dragon water beast with medicine so as not to hurt Dr. Qu. Later, for fear that rice balls would be eaten by dragons, people came up with the idea of wrapping rice with neem leaves and wrapping them with colored silk to develop them into brown seeds. After that, on the fifth day of May every year, there was the custom of dragon boat racing, eating zongzi and drinking realgar wine. In memory of the patriotic poet Qu Yuan.

2, in memory of Wu Zixu said.

The second legend of the Dragon Boat Festival, which is widely spread in Jiangsu and Zhejiang, commemorates Wu Zixu in the Spring and Autumn Period (770- 476 BC). Wu Zixu, a famous member of the State of Chu, and his father and brother were all killed by the King of Chu. Later, Zixu abandoned the dark and went to the State of Wu to help Wu cut Chu, and entered the city of Ying, the capital of Chu, in the Five Wars. At that time, King Chu Ping was dead, and Zixu dug a grave and whipped 300 corpses to avenge the killing of his father and brother. After the death of Prince Helu of Wu, his son Fu Cha succeeded to the throne. Wu Jun’s morale was high, and he was defeated by the state of Yue. The king of Yue Gou Jian asked for peace, and Fu Cha promised it. Zi Xu suggested that the state of Yue should be completely destroyed, but Fu Cha refused to listen. The state of Wu slaughtered it and was bribed by the state of Yue. Zi Xu was framed by slanderers, and Fu Cha believed it. Zi Xu died because of this. Later, Fu Cha ordered Zi Xu’s body to be put into the great river in leather on May 5, so it is said that the Dragon Boat Festival is also a day to commemorate Wu Zixu.

3, in memory of the filial daughter Cao E said

The third legend of the Dragon Boat Festival is to commemorate the Eastern Han Dynasty (AD 23-220) when Cao E, a filial daughter, saved her father from drowning in the river. Cao E was a native of Shangyu in the Eastern Han Dynasty. Her father drowned in the river and didn’t see her body for several days. At that time, Cao E, the filial daughter, was only fourteen years old and was crying along the river day and night. Seventeen days later, he also threw himself into the river on May 5, and took out his father’s body five days later. This was passed down as a myth, and then passed on to the governor of the county government, who made it a monument and let his disciple Han Danchun make a eulogy. Therefore, it is said that the Dragon Boat Festival is also a day to commemorate the filial daughter Cao E.

Dragon boat festival custom

Today, the Dragon Boat Festival is still a very popular grand festival among Chinese people. It has been a traditional custom in Chinese for more than 2,000 years to celebrate the Dragon Boat Festival. Due to the vast territory, numerous nationalities and many stories and legends, not only many different festival names have been produced, but also different customs exist in different places.

Originally, it was a season to drive away the plague in summer. From this day, the indispensable epidemic prevention activities gradually evolved into eating zongzi, racing dragon boats, hanging calamus, wormwood and wormwood leaves, fumigating Atractylodes lancea and Angelica dahurica, and drinking realgar wine. Since the Spring and Autumn Period and the Warring States Period, the Dragon Boat Festival has been passed down among the people for more than two thousand years. There are many theories about the origin of the Dragon Boat Festival. Although the customs vary from place to place, it is a common custom to wrap zongzi and row dragon boats.

1. Rowing the Dragon Boat Festival

The word "dragon boat" was first found in the pre-Qin ancient book "Biography of Mu Tianzi", Volume 5: "Tianzi rides a bird boat and the dragon boat floats in the marsh." In "Nine Songs Xiang Jun", scholars also think that "flying dragon" means dragon boat.

Before the dragon boat race, please invite dragons and offer sacrifices to the gods. For example, the Guangdong Dragon Boat Festival, before the Dragon Boat Festival, has to get out of the water, worship the South China Sea God in the South China Sea Temple, install the dragon head and the dragon tail, and then prepare for the race. And buy a pair of paper cocks and put them on the dragon boat, thinking that they can protect the boat safely (vaguely corresponding to the ancient bird boat). Fujian and Taiwan went to Mazu Tempel to worship. All kinds of sacrificial ceremonies and commemorative ceremonies are nothing more than burning incense sticks and paper money for chicken, rice, meat, fruit offerings, zongzi and so on. Nowadays, these superstitious rituals are rare, but in the past, when people sacrificed to the Dragon Temple, the atmosphere was very serious, and they prayed for a bumper harvest in agriculture, good weather, evil spirits, and all the best, and also blessed boating safety. In people’s words, "to be auspicious" expresses people’s inner good wishes. In Zigui, Qu Yuan’s hometown in Hubei, there are also ceremonies to worship Qu Yuan.

When rowing dragon boats, there are many dragon boat songs that sing for fun. For example, when rowing a dragon boat in Zigui, Hubei Province, there was a complete singing, and the songs and songs were based on the fusion of local folk songs and songs. The singing voice was magnificent and exciting, that is, the legacy of "praising and reconciling". Another example is the Dragon Boat Song in Nanxiong County, Shaoguan City, Guangdong Province, which was sung after the dragon boat was launched in April until the Dragon Boat Festival, and its performance was very extensive.

2. Hanging wormwood on the Dragon Boat Festival

Dragon Boat Festival is the first festival after summer, and the temperature is rising, which is the period of frequent diseases. Therefore, many years ago, people often hung several plants of wormwood in front of their homes. Because of its special fragrance, people used it to ward off diseases, prevent mosquitoes and ward off evil spirits.

There are reasons for hanging wormwood, calamus (Pujian) or pomegranate and garlic at the door of the Dragon Boat Festival. Usually, Artemisia argyi, Ficus microcarpa and Acorus calamus are tied into a bundle with red paper and then inserted or hung on the door. Because Acorus calamus is the first of the five Rui in the sky, it symbolizes the evil sword, because the growing season and shape are regarded as "the breath of a hundred yin", and the leaves are sword-shaped, which can be inserted at the door to ward off evil spirits. Therefore, alchemists called it "water sword", and later customs extended it to "Pujian", which can cut thousands of evils. In Qing Dynasty, Gu Tieqing recorded in Qing Jia Lu that "cutting Pu as a sword, cutting Peng as a whip, and hanging garlic with peach stalks on the bed, all of which were used to exorcise ghosts".

3. Eat zongzi on Dragon Boat Festival.

At the beginning of May every year, every family in China has to soak glutinous rice, wash zongzi leaves and wrap zongzi, with more varieties of colors. From the perspective of stuffing, there are many Beijing jujube dumplings with small dates in the north; In the south, there are many kinds of fillings, such as bean paste, fresh meat, ham and egg yolk, among which Zhejiang Jiaxing Zongzi is the representative. The custom of eating zongzi has been popular in China for thousands of years, and spread to Korea, Japan and Southeast Asian countries.

Special reminder: Although Zongzi is delicious, you can’t eat more, because Zongzi is made of glutinous rice, which is not easy to digest. Children’s digestive ability is poor, and it is easy to hurt their spleen and stomach if they eat it carelessly.

4, is a colorful line

Five-color silk thread, commonly known as five-color silk and multicolored silk. The ancient and popular names are Zhusuo, Zhusuo, etc. Those tied to mosquito nets and cradles are also called wanzhuan ropes and health ropes. Ying Shao’s "Custom Pass" said: "On May 5th, the colorful silk was tied to the arm, which was named Long Life, One Life-sustaining, One Soldiers, One Five Colors, One Zhu Suo, Soldiers and Ghosts, so that people would not get sick." In ancient China, five colors were revered and regarded as auspicious colors. Therefore, in the early morning of the festival, the first important thing for adults after getting up is to tie five-color lines around their children’s wrists, ankles and necks. When tying the thread, it is forbidden for children to speak. Traditionally, red, green, yellow, white and black thick silk threads were twisted into colored ropes and tied around children’s arms or necks. Since May 5th, it was not until the birthday of "Qi Nian Ma" on Tanabata that they were untied and burned together with Jin Jun.. There is also a saying that on the first rainy day after the Dragon Boat Festival, cutting off colorful threads and throwing them in the rain means that the river will wash away the plague and diseases, which means that it can get rid of evil spirits and stir up disasters, which will bring good luck for a year.

5. Order realgar wine

Realgar is also a kind of medicinal material, which is said to kill all kinds of poisons. Therefore, during the Dragon Boat Festival, Shaanxi people will soak realgar in wine and put realgar wine on children’s ears, nose, forehead, wrists and ankles. It is said that this practice can keep mosquitoes, snakes, scorpions, centipedes, geckos and spiders off their bodies.

As a traditional festival of the Chinese nation, Dragon Boat Festival bears a heavy historical culture and rich humanistic spirit. In this festival, we can deeply feel the long history and profoundness of Chinese culture. Since ancient times, people have been singing and dancing to express their blessings at this time. When the Dragon Boat Festival comes, we should also express our blessings and respects in various ways, praying for the prosperity of the motherland, social harmony and stability, and people’s living and working in peace and contentment.

erect

noon

safe

healthy

I wish everyone.

Not afraid of the midsummer sun, find a cool side.

Original title: "Do you know the custom and origin of Dragon Boat Festival?"

Read the original text

　　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.