Rare voice! Director of the Japanese Palace Office: The Emperor is very concerned about the possibility that hosting the Olympic Games will lead to the expansion of the epidemic.

  [Global Network Report Trainee Reporter Lin Zeyu] There is less than one month left before the opening of the Tokyo Olympic Games in Japan, but the COVID-19 epidemic in Japan has not been effectively controlled. Under this circumstance, the Japanese Palace Office made a rare voice on the 24th, saying that "the Emperor is very concerned about the possibility of the expansion of the epidemic caused by hosting the Olympic Games".

  According to Japanese TV stations, Daily News and other Japanese media reports, the head of the Japanese Palace Office, Yasuhiko Nishimura, said at a regular press conference on the 24th that "Emperor Naruhito (Japan) is very worried about the epidemic situation in COVID-19, and is very concerned about the possibility of the spread of the epidemic caused by hosting the Olympic Games".

  "Daily News": The director of the Palace Office: "I personally feel that the emperor is worried about hosting the Tokyo Olympic Games" and asked to prevent the epidemic from expanding.

  According to Japanese TV reports, the Emperor met with Japanese Prime Minister Suga Yoshihide on the 22nd. It is reported that during the talks, Suga Yoshihide explained the epidemic prevention policy of the Tokyo Olympic Games to the Emperor. Nishimura Taiyan stressed on the 24th that "in order to avoid the situation of epidemic expansion, it is hoped that the relevant institutions headed by the Olympic Organizing Committee will join hands to make epidemic prevention foolproof."

  Kyodo News said that Nishimura added: "In my daily conversation with Your Majesty, I personally felt these things. I have never heard such words directly from your majesty. "

  Data map of Emperor Naruhito of Japan

  However, according to the Daily News, Japanese Chief Cabinet Secretary Katsunobu Kato claimed at the press conference on the afternoon of 24th that "the director of the Miyauchi Office was stating his own thoughts", and the senior officials of the Tokyo Olympic Organizing Committee of Japan also declared on the same day that the statement made by Yasuhiko Nishimura "didn’t think there was a problem with the status quo".

  In Japan, the emergency declaration applicable to nine prefectures except Okinawa was lifted on June 20, and most areas such as Tokyo and Osaka were in a state of applying "key measures such as spreading prevention" at a lower level than the emergency. The estimated period is from June 21 to July 23, about one month before the opening of the Tokyo Olympic Games. The number of Covid-19-infected people in Tokyo on the 23rd was 619, an increase of 383 compared with 236 on the 21st. Many Japanese media reported that the epidemic situation in Japan rebounded after the declaration of emergency was lifted.

  The Olympic Games in Japan will be held next month, but the COVID-19 epidemic in Japan has not been effectively controlled. Many Japanese protesters who opposed the hosting of the Tokyo Olympic Games gathered near the Tokyo Metropolitan Government Building on the 23rd, demanding that the preparations for the Olympic Games be terminated immediately and that the Japanese government should not be allowed to muddle through.

Ministry of Industry and Information Technology: Guidelines for the Construction of Network Security and Data Security Standard System for Internet of Vehicles released

Yichexun Recently, the Ministry of Industry and Information Technology issued the "Guidelines for the Construction of Network Security and Data Security Standard System for the Internet of Vehicles", aiming to initially build a network security and data security standard system for the Internet of Vehicles by the end of 2023. Focus on basic commonness, terminal and facility network security, network communication security, data security, application service security, security guarantee and support, and complete the development of more than 50 urgently needed standards. By 2025, a relatively complete network security and data security standard system for the Internet of Vehicles will be formed. Complete the development of more than 100 standards, improve the coverage of standards in sub-sectors, strengthen the service capacity of standards, improve the application level of standards, and support the safe and healthy development of the car networking industry.

The framework of standard system includes six parts: general and basic commonness, terminal and facility network security, network communication security, data security, application service security, security guarantee and support. In key areas and directions, the following contents are put forward:

1, the overall and basic common standards

The general and basic common standards are the general, universal and guiding standards for network security and data security of vehicle networking, including terms and definitions, general architecture and password application.

Terminology and definition standards mainly regulate the main concepts of vehicle networking network security and data security, and provide basis for terminology and definitions in related standards.

The overall architecture standard mainly regulates the overall architecture requirements of vehicle networking network security, clarifies and defines the protection objects, protection methods and protection mechanisms, and guides enterprises to systematically carry out network security protection.

The password application standard mainly regulates the general requirements of password application in vehicle networking, and defines the requirements of digital certificate format, digital certificate application and device password application.

2. Network security standards for terminals and facilities.

It mainly regulates the network security requirements of vehicle networking terminals and infrastructure, including four types of standards: vehicle equipment network security, vehicle end network security, roadside communication equipment network security, network facilities and system security.

The network security standards for on-board equipment mainly regulate the security protection and detection requirements of key intelligent equipment and components of intelligent networked vehicles, including the security standards for automobile gateways, electronic control units, automotive security chips, and on-board computing platforms.

Vehicle-side network security standards mainly regulate the safety protection and detection requirements of vehicle electronic and electrical architecture, bus architecture, system architecture and so on.

The network security standard of roadside communication equipment mainly regulates the security protection and detection requirements of networked roadside equipment. The safety standards of network facilities and systems mainly regulate the safety protection and detection requirements of network facilities and systems of vehicle networking.

3, network communication safety standards

Network communication security standards mainly regulate the related security requirements such as network security and identity authentication of vehicle networking communication, including two types of standards such as communication security and identity authentication. The letter safety standard mainly regulates the cellular car networking (C-V2X), and the safety protection and detection requirements of cellular mobile communication (4G/5G), satellite communication, radio frequency identification, in-vehicle wireless local area network, Bluetooth low energy consumption (BLE) Zigbee, ultra-wideband (UWB) and so on. Identity authentication standards mainly regulate the technical requirements related to digital identity authentication of vehicle networking, such as certificate application interface, certificate management system, security authentication technology and test method, lightweight authentication of key components, etc.

4. Data security standards

Data security standards mainly regulate data security and personal information protection requirements such as intelligent networked cars, car networking platforms and in-vehicle application services, including five types of standards: general requirements, classification and grading, exit security, personal information protection and application data security. The general requirements standards mainly regulate the types, scope, quality and granularity of data that can be collected and processed by the Internet of Vehicles, including standards such as data minimum collection, data safe storage, data encrypted transmission and data safe sharing. Classification and grading standards mainly regulate the classification and grading protection requirements of vehicle networking data, formulate standards such as dimensions, methods and examples of data classification and grading, and clarify important data types and safety protection requirements. Data exit safety standards mainly regulate the vehicle networking industry to implement data exit safety requirements according to laws and regulations, including standards such as key points and methods of data exit safety assessment. The personal information protection standard mainly regulates the personal information protection mechanism and related technical requirements of users in the Internet of Vehicles, and defines the scenarios, rules and technical methods for protecting users’ sensitive data and personal information, including anonymization, de-identification, data desensitization, abnormal behavior identification and other standards. The application of data security standards mainly regulates the activities of data collection, processing and use carried out by related applications of vehicle networking, including data security standards such as vehicle networking platform, network car, and vehicle applications.

5, the application of service safety standards

Application service security standards mainly regulate the security requirements of vehicle networking service platforms and applications, as well as the security requirements in typical business application service scenarios, including platform security, application security and service security. Platform safety standards mainly regulate the safety protection and detection requirements of vehicle networking information service platform, remote upgrade (OTA) service platform, edge computing platform and remote information service and management of electric vehicles. Application safety standards mainly regulate the safety protection and detection requirements of vehicle networking applications. Service safety standards mainly regulate the safety requirements in typical service scenarios of vehicle networking, including remote diagnosis of vehicles, advanced assisted driving, vehicle-road coordination and other service safety requirements.

6, security and support standards

Safety guarantee and support standards mainly regulate the safety requirements related to safety management and support of vehicle networking network, including risk assessment, safety monitoring and emergency management and safety capability assessment. The risk assessment standard mainly regulates the requirements of safety risk classification and safety grade division of vehicle networking network, clarifies the safety risk assessment process and method, and puts forward the relevant requirements such as vehicle networking service platform and vehicle network safety risk assessment specification. Safety monitoring and emergency management standards mainly regulate the related requirements of vehicle networking network safety monitoring, data safety monitoring, emergency management, classification and classification of network security vulnerabilities, traceability of security incidents, and other related specifications, such as safety management interface, real-name registration of vehicle networking cards, and HI interface of vehicle networking business submission gateway. The safety capability evaluation standard mainly regulates the deployment and implementation of safety protection measures such as vehicle networking service platform operating enterprises, intelligent networked automobile manufacturing enterprises and basic telecommunications enterprises, and puts forward the network security maturity model, data security maturity model, safety capability maturity evaluation criteria, evaluation implementation methods, institutional capability identification, road vehicle information security engineering and other related requirements.

Mei Hesun has a romantic charm.

Mei Hesun took a photo with his mother.

Book shadow of Xiao Ji

■ Dai Qiu

First, a collection leads to celebrity romance.

In the autumn of 2016, I bought a handwritten note by Cai Juchuan, a famous epigraphy artist in Yangzhou, from the Border Town Bookstore. The payee was Mei Hesun. The content of this handwritten note is about Cai’s management of printing for a generation of famous actress Mei Lanfang. My interest in it is mainly to write anecdotes about the interaction between Cai and Mei. But because of the high price, I can’t help but pay attention to Mei Hesun.

Mei Hesun is a native of Jiangdu, Yangzhou. He is good at both poetry and calligraphy, and often sings with peers and celebrities. I always thought that he was a poet of Yechun Houshe, and later asked Mr. Gu Yiping, an expert on Yechun Houshe, but the answer was not. However, Gu Lao recalled to me a story related to Mei Hesun, which was quite interesting.

In the 1990s, in order to collect information about Yangzhou literature and history, Gu Lao visited Mr. Chen Xiaozhi who lived in the east of Wenjing Lane in Dongguan Street by bike many times. In the early days of liberation, Chen Xiaozhi served as the deputy director of the Literature and History Committee of Yangzhou Municipal Political Consultative Conference. His father, Chen Chenshuo, was a poet, good at calligraphy and painting, and an important member of Yechun Houshe.

Gu Lao remembers that every time he visited Chen Xiaozhi, he was in the bedroom of Chen Zhai West Room. At that time, a vertical shaft about 120 cm high and 60 cm wide hung on the wall, which caught his attention. Once, he couldn’t help but be curious. When he took a closer look, it turned out to be a rubbings of "Song Su A Cui Xiao Xiang Yan" with inscriptions, inscriptions, poems and inscriptions by nearly 20 famous artists. Seven of them are important members of Yangzhou Yechun Houshe Society, namely Qin Gengnian, Xuan Guyu, Guan Lishing, He Jinyi, Chen Yaoxian, Yao Yinda and Wang Jingqi, which aroused great interest from Gu Lao. This is not only an important material for poets in the post-Yechun society, but also an excellent rural literature.

When Gu Lao asked about the history of this rubbing, Mr. Chen Xiaozhi said, "I have to ask my brother-in-law, Mei Yingchao." And told the detailed address of Mei Yingchao. So, on June 6th, 2001, Gu Lao wrote to Professor Mei Yingchao in north china university of technology, Beijing, asking him to tell the story of this rubbing vertical axis. Soon, on June 18th of that year, Mei Yingchao wrote back. In his letter, he described the ins and outs of this vertical shaft in detail: "The letter talked about the vertical shaft of the rubbings of’ Song Su A Cui Shi Yan’ mounted by my father, and A Cui Yan was spread to Ma Xianglan, a famous prostitute in Qinhuai in the late Ming Dynasty, and she felt sorry for herself. This rubbing was probably picked up by my father when he bought old books in Xiuzhou Bookstore in Shanghai during the Anti-Japanese War, and he was very happy. After mounting it, he invited celebrities to write poems, including those who took refuge in Yangzhou and came to Shanghai at that time. It is also a good thing for literati to say that it is a good thing. Back in those days, my father and I talked, and his understanding of this inkstone and Ma Xianglan was based on an article. This article is the preface of the famous book Shu Xue written by Mr. Wang Zhong (Rong Fu), a great writer in Yangzhou during the Qianlong period of Qing Dynasty. There are a few words in the preface:’ I am a solitary man, living in an inch of land, unable to cure my life, and my old and weak life hangs on my fingers … I am interested in different things, and I am sad and happy by people … What is the difference between me and Sri Lankan people?’ I want to ask my brother to read this article in his spare time, and I can understand it with deep feelings. A deeper understanding of my father’s state of mind at that time is not simply a matter of’ literati’s good deeds’. "

This letter is deeply emotional and concise. The past of the Sri Lankan people is emotional. Mei Yingchao’s father is Mei Hesun, a "good scholar".

Coincidentally, at the age of 2020, I saw another frame of Mei Hesun’s calligraphy fan in the workshop. The small letters were accurate and aboveboard. The content is to copy his own poems as a gift to Wei Yuzhi, a poet of the post-Spring Society, and the literati atmosphere is really unforgettable. At first, the painter was reluctant to sell, and then he was waiting for the price. After many twists and turns, fortunately, I started. I think this is a kind of fate.

Second, learning is taught by the mother, and the old house of Qing Dynasty grows up.

Mei Hesun, whose name is Han, whose name is Hesun, whose name is Yuan, and whose name is Xing. Born in 1894, that is, Jiawu in the 20th year of Guangxu reign in Qing Dynasty, The Fairy Temple (now Jiangdu County) in Yangzhou, Jiangsu Province. Mei Yaochen, a poet of the Northern Song Dynasty, is the most famous descendant of Mei family who came from Xuancheng, Anhui. Mei Hesun’s grandfather’s name is Plum Crane, which has a sound village; Father Mei Zhaoluan, a scholar, died young at the age of 29.

Mei Hesun lost his father at the age of six, and he relied on his mother, Mrs. Liu, a loving mother and a strict teacher.

Speaking of Mei Hesun’s mother, she can be called a strange girl. She is the great granddaughter of Liu Wenqi, a great scholar of Yizheng Confucian classics, and the first cousin of Liu Shipei, a master of modern Chinese studies. Liu is a well-known academic family in China. Since Jia Dao, Liu in Yizheng has been comparable to Huishi in sinology. From Liu Wenqi’s time to Liu Shipei, he passed on the scriptures in one generation and four generations, and became a great success by carefully "Zuo’s family", which was known as "Liu’s family in Qingzhao Old House".

In the 1930s, Mei Hesun hung a pair of couplets in the living room of Shanghai Yuzhong, and wrote a sentence and a book for Qin Gengnian, a epigraph scientist in Yangzhou: "Old houses are green, and poems from other families are passed on; Mountain house cypress, read Mei’s old book. " What I said is the truth of Mei Hesun’s family background.

Mei Mu’s famous teacher, Shuo, was influenced by his family. He was proficient in classics and history since childhood, devoted to poetry, loved calligraphy and studied Wei Bei.

Mr. Zhu Huang (Zi Juping), a close friend of Liu Shipei and a well-known resident in Jiangdu, once wrote a biography of Mei Jie’s mother, praising Mei Mu: "Less family education, more good at Mao Shi and Li Ji, and always follow the etiquette." However, Meimei is still a good wife and mother in the end: "In nineteen years, she belongs to literature (referring to marrying the Mei family), and she is as good as ordinary people. I have never seen what I have learned, and I am close to my husband, and my family is silent. "

In this biography, Zhu Juping also tells a story about the virtuous mother Mei. In September, 1911, there was Sun Tiansheng’s rebellion in Yangzhou, and traitors and bandits took the opportunity to make trouble. At that time, Mei lived in the east of the city, and the situation was critical. Mrs. Liu wanted to take her family away from home to avoid accidents, but the old woman resolutely refused and vowed to die. At that time, Mr. Zhu happened to pass by Mei’s house. In a hurry, Mei’s mother entrusted her young crane grandson to him, saying mournfully, "I’m tired of this son, and I’m just waiting for Gudumen."

At that time, Sun Shang, the crane, was in her prime, and her mother was a poor aunt and a weak child. But she was a pillar in the meantime, and she died to save the portal, which is hard to know. Therefore, Zhu Juping wrote a biography for her, calling it "Jiemu", which was emotional.

Mei Hesun was taught by his mother when he was a child. After more than ten years, Mei Hesun was able to write and write, which was praised by the village. Mei Hesun later recalled his son Mei Yingchao: He entered the school as a teacher and presented Er Ya to his husband first. Please teach him to read it first. Mr. Wang doesn’t understand. At that time, it generally started from the "Four Books", "University" and "The Doctrine of the Mean". Liu is an academic family, and children’s reading is also different from the general. Therefore, to be more precise, Mei Hesun’s growth was cultivated by his family’s old house.

Mei Hesun has read through the history of classics since he was a weak champion, and he has taught himself to attack hardships. Later, he asked Mr. Zhu Juping, a great scholar who studied in the countryside, to learn all kinds of arts, to concentrate on learning, and finally to achieve something.

In 1921, Mei Hesun was twenty-eight years old and went out to make a living. Worked in Jiangdu County. In 1924, he served as a clerk and auditor of Bank of Communications in Nanjing. In 1930, he served as secretary of the board of directors of Guohua Bank in Shanghai; Clerical officer, Central Banking Bureau; Secretary, Commissioner, assistant manager of the Central Trust Bureau for more than 30 years. In 1957, he was hired by the Shanghai Municipal People’s Committee as a member of the Shanghai Literature and History Museum. He died in Shanghai in September 1964.

Third, poetry and calligraphy paint things, making them famous at sea.

Mei Hesun has been traveling in Shanghai for 30 years, and has been working in a bank to make a living, but his good nature still lies in literature and art. In 1944, Mei Hesun wrote nine chapters of Shu Huai, and now I record one of them to get a glimpse of his mind:

"Lease the beach, snap your fingers for two generations, hold the slips and become public, and send them to the spring house. Among them, there are many monsters, and they are more than baht, and the colonization is the camp. My heart is indifferent and indomitable, and my son is lofty. In the Sun, the Moon, eight years of chaos, cloud Hu Bugui, thousands of miles with joy. South Gangbei Luo, the countryside is full of fish and smoke, and I am cherished and cherished, and I am waiting for you. "

Mei Hesun is first and foremost a poet. In 1957, in the column of "Works" in the personnel file of the Shanghai Museum of Literature and History, Mei Hesun noted that there were three volumes of poems and one volume of words in the Jade Kuilong Museum (to be published). According to the memory of his son, Professor Mei Yingchao of north china university of technology, his father likes to write lyrics after 60 years, and about 100 poems are kept in the Shanghai residence. Unfortunately, these poems were all destroyed by fire in September 1966.

Judging from the surviving works, Mei Hesun’s ancient poems pursue Mu Han and Wei, while his modern poems live in the Song Dynasty. Mei Yingchao remembers that his father once showed him the fan of his recent work "Watching the Moon in the Mid-Autumn Festival in Kuanglu" inscribed by his poet friend Chen Sanli: "The cage lake shakes the autumn moon in the sea and moves to the place where Kuangjun lies." Praise, Chen Sanli’s poetics is patriarchal Song people.

Mei Hesun is also a calligrapher. Mei Hesun’s mother is good at calligraphy. He heard from her uncle Liu Shipei that before her mother became a monk, Zeng Shu wrote the banner "Willow Yiyi" with a diameter of eight inches, which hung in Liu Shipei’s room for decades, and Liu Shipei deeply liked it. Liu Shipei said to Mei Hesun, "This is a good sentence in the Book of Songs. You can always think about the artistic conception of these four words when you learn to write poetry, and you should make progress."

Grandmother Mei He’s parents always pay attention to calligraphy. When he was a child, he went back to his old house with his mother, and he often came into contact with many famous works such as Bao Shichen and Wu Rangzhi. The Huashan Monument, collected by Liu’s family, is a treasure of the world, and all the uncles take calligraphy as their ability. Mei Hesun is deeply impressed, and his diligent study, writing practice and extensive reading of posts go hand in hand at the same time. Around the age of 30, people from all sides have been asking for books in an endless stream.

According to Mei Yingchao’s recollection article, when my father was in Shanghai, he talked about art papers, painted poems and books, and friends gathered at regular intervals, which was called "Songbin Tea Collection". I remember an elegant collection in the spring of Xinsinian (1941), and my father happened to talk about "a poem entitled" Wu Rangzhi Peach Blossom Willow Fan Fu "in the collection of Ji ‘an by Mr. Mei Zhi, an ancestor of our family during Daoguang years":

"My friend, I can paint with powder, poplar is green, and peach is red. Don’t close the night and get exposed, fake spring and shake the wind, show off your beauty and be tolerant. Hu Wei Xia Jie, focusing on Qian Mian; Algae think like yee, jasper becomes smoke. Cherish the fleeting moment, linger on the emotions as soon as possible, and believe in the wonderful traces of spirituality, which will be beautiful in Xiquan. "

On the spot, the painter Pan Junnuo dyed Han and painted it as a fan of peach blossoms and willows, while Mei Hesun gave it all to his left in small letters. Calligraphy and painting are both beautiful, which is really elegant and elegant.

Mei Hesun’s calligraphy can be used as a cursive couplet, and he can learn from Wei and Jin dynasties in a real way, and he can get its likeness in Cao Ebei and Thirteen Lines in Jade Edition. In the 1970s, Yangzhou Calligraphy Association edited and published "Preliminary Collection of Ancient and Modern Calligraphy and Printing Works in Yangzhou", which included Mei Hesun’s running script.

Due to his persistent pursuit of literature and art, he was good at exposition. During his stay in Shanghai, Mei Hesun was also a connoisseur of literature and art, and he learned a lot about epigraphy, calligraphy and painting, and edition. Among them, friends and painters who are especially discerning about the authenticity of ancient and modern paintings and calligraphy often come to ask for advice. Individuals occasionally hoard, mostly rare sketches. Apart from the rubbings of the "Southern Song Dynasty Su ‘a Cui Small Elephant Ink Stone" collected by Qing Shen Shiyou mentioned above, there is another collection that is quite talked about:

On one occasion, Mei Hesun accidentally visited Yangzhou, and bought a piece of calligraphy in a cold stall. It was old and cracked, and it had been a long time. The word "square domain" was unknown to people and regarded as dirt. Mei Hesun inferred from the charm of calligraphy, the content of the poem, the age of the paper, the color of the seal, and the location of discovery, and thought that the author of this word was actually "Hou Fangyu". One of the four famous sons of the late Ming Dynasty, the author of Collected Works of Zhuang Regret Hall, and the master of the legendary Peach Blossom Fan. Show friends, all amazing.

Fourth, writing in his later years, personally testifying Liu’s historical materials.

In the summer of 1957, Mei Hesun, aged 64, was introduced by the Shanghai Municipal Bureau of Culture and the New City Political Consultative Conference and was hired as a librarian of the Shanghai Literature and History Museum. One of his important jobs in his later years was to write the historical materials of "three relatives", mainly about the memories of Liu’s family in Yizheng, the old house of Qing Qing.

Yizheng Liu is a famous academic family, who lives in the old house of Qing Qing in Dongquanmen, Yangzhou. From the Qianlong period of the Qing Dynasty to the Jiaqing period, generations of famous experts in Confucian classics and masters of Chinese studies appeared in the Liu family. They made great contributions to the academic history of Yangzhou.

The so-called study of Confucian classics is a science that specializes in the interpretation of Confucian classics in the Spring and Autumn Period. The Liu family was famous in the academic circles of Daoguang, Xianfeng, Tongzhi and Guangxu Dynasties in Qing Dynasty. They studied and interpreted Zuo’s Biography in the Spring and Autumn Period, and wrote many handed down works such as Textual Research on Zuo’s Biography. Their names appeared in Biography of the Scholars, which is unique in the history of the Qing Dynasty.

The so-called "three generations once", that is, Liu Wenqi, Liu Yusong and Liu Shou’s great-grandfather Sun San, are the representatives of Yangzhou School. When Mei Hesun was a child, he often went home with his mother. He is well-read and memorized, and he knows a lot about Liu’s family life and anecdotes for generations. I have heard a lot about it, and many anecdotes are often talked with my children at ordinary times.

Mei Hesun’s memoir titled "Notes on Liu V in Qingzhong Old House" is a portrayal of life since Meng Zhan’s Mr. Liu Wenqi descended to V, especially the legendary experience of Naijiu and Liu Shipei, a master of modern Chinese studies. Liu Shipei, as an important figure in the academic and ideological circles in the late Qing Dynasty, had a great influence on the transformation of China’s modern ideology and culture. However, his life was mixed with politics, with mixed praise and praise. Mei Hesun did not shy away from his relatives, but wrote a straight book about what he saw and heard, which has extremely high historical value.

Mei Hesun spent a lot of energy in writing "Notes on Liu V in Qingzhao Old House Yizheng". It took four years before and after, and the first draft was compiled into two volumes. After the draft was completed, it was distributed to relevant people for review, and it was paid in early autumn of 1962 and mimeographed into a book.

After the first edition of Xiao Ji, in addition to sending it to major libraries in China, it was also distributed to relevant experts and scholars for comments, which received widespread attention and praise from domestic academic circles. For example, Mr. Chen Naigan wrote: "If you read the final book, if you meet with the former sages, you will be one of the fastest in the dust. Narrative Xu Wei Qu, especially admired, is also a new force in Part B. " Mr. Zhou Zuoren said: "Although Zun Zhu was written in imitation of the biographies of other scholars in Hongbei River, it was stronger in expression, and it really won. Its miscellaneous notes are especially rare. I have counted it and I am very impressed. "

Originally, Mei Hesun wanted to synthesize the opinions of all parties and further improve the book in order to revise and reprint it. However, his body is already a lingering sickbed, and he is getting tired. More than two years later, on September 18, 1964, Mei Hesun died with regret. Soon, after ten years of turmoil, Mei Hesun’s books disappeared, and his manuscripts were also lost.

It was not until 18 years later that, with the efforts of many parties, in July 2004, the "Notes on Liu V in Qingzhao Old House Yizheng", which condensed Mei Hesun’s life feelings and painstaking efforts, was finally officially published by Shanghai Ancient Books Publishing House. The new edition of Xiao Ji was revised and arranged by his son Mei Yingchao, including Liu Shipei’s posthumous works outside the collection, and also printed the handwritten letters written by experts and scholars to Mei Hesun, which finally comforted Mei Hesun’s spirit in heaven.

I quote Yongmei’s poems about He Sun from Yangzhou Art Circles by Liu Jiechun, a poet of the post-Spring Society, as a conclusion:

Find a sentence and spend a moment, and send it back to the public.

Than to smell crazy, and sing bamboo branches to Chunming.

Editor in charge:

Yangzhou net news hotline: 0514-87863284 Yangzhou net advertising hotline: 0514-82931211.

Konka: Innovating Technology to Create a New Vision of Smart Life

  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.

Hangzhou builds a cross-border e-commerce credit rating index system to provide differentiated services.

Hangzhou builds a cross-border e-commerce credit rating index system, and different ratings get differentiated services.

  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.

From now on, all stations of Guangzhou metro network will enter the station by scanning code.

  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.

From now on, all stations of Guangzhou metro network will enter the station by scanning code.

  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.

From now on, all stations of Guangzhou metro network will enter the station by scanning code.

  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.

From now on, all stations of Guangzhou metro network will enter the station by scanning code.

  Align the scan code area. Figure/Guangzhou Metro

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

From now on, all stations of Guangzhou metro network will enter the station by scanning code.

  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

Driving out the luxurious and dignified Emgrand has classics, innovations and touches.

In terms of appearance, it is not cheap at all from the appearance. The appearance of the car body continues the family design concept, and the design of the front face is rich. The headlights on both sides are heavy and the internal lights are patchy, and they are bright when lit. Looking at the body lines from the side that rises sideways creates a sense of readiness, which looks very sporty, with advanced rim modeling and acceptable visual effects. The design of the rear of the car is still relatively simple, and the design of lighting the blackened taillights is also more interesting, which shows great personality after lighting.

Emgrand puts the details into practice and extends the high quality from the appearance to the interior of the whole vehicle. The car uses a relatively sporty steering wheel, which instantly improves the grade of the whole car. In the central control room and the door handle, a lot of plastic and leather materials are used to cover and wrap it. The touch is double-layered, and the 8.0-inch central control screen is simple in screen design, but fully functional. The front row is also equipped with a manual air conditioning control system to freely debug the most comfortable space atmosphere. The black seat is spacious and the seating space is acceptable, which is suitable for daily use.

The length, width and height are 4638×1820×1460mm respectively, and the wheelbase has reached 2650 mm. In the same class, the wheelbase of Emgrand ranks 21st. This size exceeds most models in its class. The actual interior space performance is also very good. From the actual ride experience, the front and rear rows are relatively spacious. The design of skylight also increases the subjective space feeling of front and rear passengers. Among the models of the same price and class, Emgrand’s trunk volume ranks ninth. The space is relatively regular, without obvious protrusions, and the overall loading capacity is good.

Geely Emgrand is equipped with a combination of 1.5 naturally aspirated engine (direct injection) and continuously variable transmission (CVT). 1.5 The power performance of the engine on Emgrand is quite satisfactory, the low torque is weak and the hysteresis can be felt. Ranked 9 th among compact car models with more than 800,000.

Emgrand’s active/passive safety configuration is complete, includingAutomatic parkingZero tire pressure endurance tireAutomatic parkingSteep slope descenthill start assist controlknee airbagHUD head-up displayAnti-lock braking (ABS)Braking force distribution (EBD/CBC, etc.)Brake assist (EBA/BAS, etc.)Traction control (ASR/TCS, etc.)Active noise reductionEngine start and stopSide safety air curtainWireless charging of mobile phonenight vision systemLED daytime running lightsForward reversing radarTire pressure monitoringSteering wheel heatingBody stability control (ESP/DSC, etc.)Rear reversing radarFatigue reminderRemote parkingChild seat interfaceLane keeping (LKAS)Equal configuration.

Among them,Automatic parkingYou can avoid stepping on the brakes for a long time or needing to pull frequently;Steep slope descentCan safely pass through steep slope road conditions at low speed;knee airbagReduce the injury of the car interior to the occupant’s knees in the secondary collision.

If the above data and participation can’t fully understand Emgrand, then we can give you a more comprehensive reference based on the word-of-mouth information of users who have purchased Emgrand in history. It can be seen that what everyone is most satisfied with Emgrand is that its side looks good. In addition, it is very comfortable in the car and stable at high speed, which is also what everyone likes about it.

Consumption enthusiasm accelerates the return

  On January 15th, Guangzhou Beijing Road Pedestrian Street was crowded with tourists. Photo by Zhong Yong (People’s Vision)

  Chaoyang, Beijing — —

  Shangchao sales and stocking are busy.

  On January 14, I walked into the sweet water garden store of Jingkelong Supermarket in Chaoyang District, Beijing, and the strong flavor of the year came on me. On the glass curtain wall, huge window stickers focus on the theme of the Year of the Rabbit, and red lanterns are hung high on both sides of the door. On the shelves in the supermarket, "candied melon sticks", peanuts and melon seeds are piled up into hills, and Daoxiang Village dim sum box, old Beijing roast duck gift box and New Year’s Eve gift box are renewed in turn.

  Many kinds of fish are very popular in the fresh aquatic products area. "From the opening of the door in the morning to the present, the hairtail on the shelf is sold short, and it can sell about 400 kilograms every day." Chen Song, the clerk in charge of selling hairtail, said while busy.

  Mr. Liu, a citizen who came to buy the new year’s goods, carefully selected the dried fruits, and soon the harvest was full: "This Spring Festival, the children will come home, so they came to buy all kinds of dried fruits and leisure snacks early. The supermarket has a complete range of goods and everything they want to buy."

  "This is only the beginning of the sales of new year’s goods, and it will usher in a peak period in the next few days." Guo Dongnian, manager of Jingkelong Sweet Water Garden Store, said, "In the past, everyone’s shopping carts were piled with rice flour, grain and oil, as well as easy-to-store dishes such as Chinese cabbage, potatoes and onions; Now, most of them are leafy vegetables, fresh fish, fresh shrimp and fresh fruit, many of which are high-net-worth goods. "

  In response to customers’ diversified and quality needs, supermarkets have also opened pre-sale channels while actively stocking up. Customers can order light snow strawberries, Maoshanwang durian, cherries, red pine mushrooms and other commodities, and receive them at home on time, which is both fresh and convenient.

  There should be a new atmosphere in the new year. Looking forward to the new year, Guo Dongnian told reporters: "In 2023, the store will usher in an overall transformation and upgrading, from the ground and ceiling to the shelves and promotional activities. We are full of confidence in welcoming the Spring Festival. "

  Chengdu, Sichuan — —

  Characteristic business circle is full of vitality

  At noon on January 17, the reporter came to a commercial complex in Jiaozi Financial Business Circle, Chengdu High-tech Zone, Sichuan Province, and saw an endless stream of citizens and tourists, talking and laughing in and out of the mall, and a scene of jubilation.

  "I will go back to my hometown in Shaanxi tomorrow, and I will come shopping as soon as the mall opens today." Mr. Wu, who is on a business trip to Chengdu, holds the special ingredients such as the bottom of a wok and beef in one hand and a panda doll souvenir in the other. He smiled and told the reporter, "If you eat, you can send your relatives, and the panda doll will be given to your daughter."

  Walking into the shopping mall, the annual flavor is full, lanterns, zodiac rabbits and other Chinese New Year elements can be seen everywhere, and many counters put up posters with full discounts and points redemption in eye-catching positions. "In the past few days, we have specially extended the business hours and increased the security to ensure that citizens and tourists have a good time in shopping malls and buy with confidence." The person in charge of the mall told the reporter.

  The Spring Festival is approaching, and the warming trend of Chengdu consumer market is obviously enhanced. As a large-scale commercial complex in Jiaozi Financial Business Circle, Chengdu Youfang Shopping Center will continue to launch exhibitions such as trend art exhibitions, as well as promotional activities such as redemption of points and over-value discounts during the Spring Festival holiday, creating a rich consumption scene that integrates eating, drinking and shopping, so that citizens and tourists can experience the traditional taste of the year and multiple pleasures. The Mofang Shopping Center adjacent to Youfang Shopping Center will also launch special packages during the Spring Festival holiday to open a new experience of food fashion consumption.

  The data shows that in the fourth quarter of last year, the daily average number of visitors to Chengdu Jiaozi Financial Business Circle reached 148,000, an increase of 47.7% compared with the third quarter, and it has maintained a steady upward trend. During the New Year’s Day holiday this year, the retail and catering enterprises under key monitoring in Sichuan Province achieved a cumulative sales of 2.26 billion yuan, up 6.7% year-on-year. In order to meet the diversified consumption needs of citizens to a greater extent, help market players gather popularity and increase confidence, Chengdu High-tech Zone also launched the first Jiaozi International Consumer Festival and other theme activities to bring more fresh and diverse high-quality consumption experiences to citizens and continuously stimulate consumption potential.

  Guangzhou, Guangdong — —

  Restaurant reservations are booming.

  On January 15th, Huifu Food Flower Street in Guangzhou, Guangdong Province, was bustling and bustling in the twilight. Citizens enjoy flowers for dinner, and their faces are filled with the happiness of the Spring Festival.

  "I specially brought my family here today, ate an authentic Cantonese food, and bought some flowers to decorate the house." Mr. Gao, a family of six, booked a table in advance before the rush hour and sat in the almost full Guangzhou restaurant.

  "The recent passenger flow has increased by nearly 20% compared with the same period of last year." The person in charge of Yuehua Store of Guangzhou Restaurant said that the demand for dining was very strong during this period. The private rooms and the first round hall of the store during the Spring Festival holiday were basically fully booked, and more than half of the second round had been booked.

  Huifu Food Flower Street is one of the first batch of Cantonese food streets in Guangdong Province, and it is also an important part of Guangzhou Beijing Road National Demonstration Pedestrian Street, with a total length of nearly 400 meters and more than 120 restaurants.

  It is understood that the recent turnover rate of Guangzhou Restaurant, Big Pigeon Rice and other Cantonese food brand stores in Huifu Food Flower Street has exceeded 6%, and the booking rate of small and medium-sized private rooms such as Lucky House and Yuepin House is close to full, and there are long queues at the gates of Zhuangchen Food Store, Big Head Shrimp and Wentong Ice Room. During the Spring Festival holiday this year, many food and beverage outlets in Guangzhou will carry out profit promotion activities, offer multiple discounts for new year products such as potted vegetables and rice cakes, and develop a number of special dishes for the Spring Festival.

  "The business of catering stores is booming and the consumption momentum is improving. On January 15, the total passenger flow on Beijing Road will exceed 600,000, an increase of 7% over the same period of last year. " The person in charge of the Management Committee of Beijing Road Cultural Core Area in Guangzhou said that since the New Year’s Eve, Beijing Road Pedestrian Street has held the "Welcome New Year to Buy New Year’s Goods" to promote consumption, which will continue to attract passengers and stimulate consumption.

Chinese doesn’t like saving money? Report: Young people save an average of 1339 yuan a month.

  "Money is spent today, and tomorrow’s things will be discussed tomorrow?" For this statement, most of Chinese (79.03%) disapproved, but compared with two years ago, the preference for delayed consumption declined slightly. A few days ago, the "Summary Report on Consumer Financial Literacy Survey in 2019" released by the central bank aroused social concern. There is also another set of data that attracts people’s attention: last year, the per capita holding of credit cards and debit-credit cards in China increased by nearly 20%; In the first quarter of this year, the total outstanding credit of credit cards overdue for half a year reached 79.743 billion yuan, nearly 10 times that of nine years ago.

  Some people think that the decline in delayed consumption preference and the sharp increase in outstanding credit of credit cards mean that Chinese doesn’t like saving money and loves spending money.

  Experts said that this summary should not be simply made. Compared with other countries, China’s savings rate is still in the forefront. The change of people’s attitude towards saving shows that China’s domestic demand-oriented economic system is gradually being established. However, some people, especially young people, should realize the transformation from "card slave" to "card owner", avoid excessive consumption, and establish correct values and consumption concepts.

  With sufficient policy support and a good mentality, young people naturally dare to "buy in buy buy"

  "I don’t save money when I have no income, and I don’t deliberately save money after I have income." Lou Yun, 24, has been working for two years, and every month she puts her salary in Alipay. After paying back the money that should have been paid last month, she will buy regular financial management or fund fixed investment for the rest of the money. In her opinion, if you want to increase your money, you can only earn more, not save more.

  Nowadays, the number of people who hold similar ideas with Lou Yun is increasing. The "Summary Report on Consumer Financial Literacy Survey in 2019" released by the People’s Bank of China recently shows that when asked about their attitudes towards consumption and savings, although most people (79.03%) hold the view of "not agreeing" or "not agreeing at all" to "spend money today, and talk about things tomorrow", compared with 2017, consumers’ preference for delayed consumption has declined slightly.

  Delaying consumption means storing some of your belongings and then arranging for consumption at multiple points in the future. Delaying the decline of consumption preference means that some people no longer save money, but spend it immediately. Relevant statistics also show that the savings rate of China residents reached 37.3% at its peak (in 2008), and has declined in recent years.

  What do you think of this phenomenon? Yang Jun, a professor in the Department of Trade at the School of International Business and Economics of the University of International Business and Economics, said that generally speaking, there are two main reasons for delaying consumption: one is to cope with future expenditures and various uncertainties, and the other is to obtain higher financial benefits. At present, the new generation of consumers in China has gradually become the main body of the labor market, with more emphasis on the individual’s current quality of life. At the same time, with the improvement of living standards and the improvement of social security system, the dividend of tax reduction and fee reduction policy is continuously released, the uncertainty of employment, education and health care in the future is reduced, and people’s overall spending power is improved. In addition, the rapid development of modern finance makes it easier for individuals and families to obtain short-term and medium-and long-term funds to cope with all kinds of urgent expenses, and the cost has dropped significantly.

  To put it simply, today’s consumers, especially the younger generation, are in a good mood and confident, and naturally dare to "buy in buy buy". Data show that in the first half of this year, the total retail sales of social consumer goods in China reached 19.5 trillion yuan, up 8.4% year-on-year. Among them, young people are becoming the main force of consumption. Ant Financial and Fidelity International released the "2018 China Pension Prospect Survey Report", showing that 18— The average monthly savings of 34-year-old young people is 1339 yuan.

  Liu Ye, who is studying in a university in Beijing, has been saving money since primary school and likes to spend money. She said that on the one hand, saving money is for emergencies, on the other hand, it is to satisfy some small wishes, such as buying something that you are usually reluctant to buy to reward yourself. However, when buying some high-priced products, even if she has the ability to pay directly, she will choose to use Internet consumer credit products for installment payment, which is becoming fashionable among young people. "Consumption is impulsive, so control yourself." Liu Ye has set a consumption red line for this purpose — — It can’t exceed 4,000 yuan per month, because "owing too much money will lead to pressure".

  “‘ After 95 ’ And ‘ 00 ’ Growing up in the era of affluence and mobile Internet, it is logical to delay the decline of consumption preference when they gradually become the main consumer. " Wang Jun, a member of the Academic Committee of China Center for International Economic Exchanges, said that this phenomenon will increase further in the future as more children grow up.

  It should be pointed out that the rising house prices for many years, the improvement of residents’ living conditions, and the increase in rigid expenditures such as pension and medical care are also important reasons for delaying the decline in consumption preferences and reducing the household savings rate in recent years. Wang Jun believes that delaying the decline of consumption preference and the decrease of savings rate are two sides of the same coin, because the pursuit of a better life will inevitably lead to the promotion of immediate consumption power and the decrease of savings rate.

  At the same time, he pointed out that compared with developed countries and developing countries, China’s household savings rate has always been in the forefront of the world, and there has been no cliff-like decline. Of course, due to the gap between China and developed countries in terms of the soundness of social security system, the perfection of financial market and the income level of residents, especially the change of residents’ consumption habits will take a long time, so it is necessary to prepare for risk prevention and relevant policy adjustment.

  Zhou Xiaochuan, former governor of the People’s Bank of China, believes that the decline in the savings rate has certain benefits, indicating that domestic demand has increased, but we also need to pay attention to the change of the savings rate between generations. Under the background of the development of financial technology, the rapid development of consumer credit will induce the younger generation to spend in advance and borrow money. "This is not only an economic and financial phenomenon, but also a cultural and demographic phenomenon, which may have an important impact."

  Will "spend tomorrow’s money and buy today’s things" become a consumption trap?

  Among many forms of consumption, it is worthy of attention to swipe credit cards or use online consumer credit products such as Alipay "Flower Blossom" for early consumption and borrowing consumption. This consumption form of "spending tomorrow’s money and buying today’s things" is very common among some young people.

  Ren Huan, who is studying for a master’s degree in a university in Beijing, recently made up his mind to shut down an Internet consumer credit product. It turned out that under the induction of this product, he spent up to 45 thousand yuan a month. He said: "It always gives me a credit limit, and when I pay, I use this product by default, which makes me spend money like water."

  There are more and more credit cards and internet consumer credit products, which leads to a substantial increase in the amount of outstanding credit and pushes up financial risks. According to the "General Situation of Payment System Operation in the First Quarter of 2019" issued by the central bank, as of the end of the first quarter of this year, the total outstanding credit of credit cards overdue for half a year was 79.743 billion yuan. In 2010, nine years ago, this figure was only 8.804 billion yuan. According to statistics, among the nearly 170 million "post-90s", more than 45 million people have opened "flower beds". The phenomenon of credit card "card slave" and "flower slave" began to appear.

  Wang Jun believes that the rapid growth of credit card issuance by commercial banks and the rapid development of financial technology have also led to a sharp rise in multi-head co-debt and related risks of credit consumer loans such as credit cards, Internet-based credit products, consumer finance loans and cash loans, resulting in an increase in the overdue amount of credit cards. Especially under the macro background of increasing economic downward pressure in recent years, the personal financial situation of some credit card holders has changed greatly, while some commercial banks have excessively pursued commercial interests and failed to grasp these changes in time, resulting in more prominent related problems and risks.

  The improper marketing methods of some businesses are also adding fuel to the fire. Some advertisements link consumption with status, class, taste, IQ, love, affection and so on, and induce people to over-consume.

  Generally speaking, reasonable consumption in advance is conducive to changing the traditional phenomenon that the elders accumulate capital and wealth, and the descendants get something for nothing, and it can also effectively expand market demand and promote economic growth. However, unreasonable consumption in advance may go to the opposite side, which will increase economic pressure for individuals and affect their mental health and life stability; For the country and society, it will induce a destructive hedonism and unrealistic waste culture, cause a social "credit crisis" and increase the possibility of economic crisis. Great Depression in the 1930s, 2007— The "subprime mortgage crisis" in 2008 is a lesson from the past.

  So, will this advanced consumption pattern become a "consumption trap" in China? Many experts and interviewees believe that the key to preventing risks lies in cultivating people to develop good and healthy consumption habits.

  "In the next 10 years, the total amount of outstanding credit of Chinese residents will increase, but it will remain within a reasonable range." Yang Jun believes that this is because the overall knowledge level of young people is improving and their ability to obtain higher income is increasing; At the same time, the means of risk control in the financial sector will be more advanced.

  In Ren Huan’s view, marriage will become the threshold for him to save money. He said that saving money after marriage is not simply for enjoying consumption, but for family illness, pension and other expenses. "This reflects the continuation of Chinese’s traditional home-based culture, and there is a kind of cultural resilience behind it."

  Balance the relationship between savings and consumption from the perspective of life cycle

  In order to accelerate the transformation of consumption to green, the National Development and Reform Commission and other ten departments issued the Guiding Opinions on Promoting Green Consumption three years ago. The opinion puts forward that we should resolutely resist unhealthy trends such as extravagance and pleasure-seeking, vigorously get rid of bad habits such as ostentation and extravagance, resist excessive consumption, change the wrong concept of "paying for yourself and being rich and frugal", and form a social atmosphere of "saving glory and wasting shame". The opinions also put forward specific measures from the aspects of laws and regulations, standard system, identification certification system, economic policy and financial support.

  Nowadays, more young people are conscious of balancing savings and consumption. "I will decide to spend according to a stable income." For the future consumption view, Liu Ye answered with certainty. She said that she would definitely save money after work, and she felt insecure if she didn’t save money, because Chinese often said, "When money is used, she hates less".

  However, with the increasing availability of financial services, it is urgent to improve people’s financial literacy. The Summary Report on the Survey of Consumers’ Financial Literacy in 2019 issued by the Central Bank suggests that we should pay attention to the financial literacy of low-income, low-educated, non-employed, old and young groups, carry out appropriate financial education activities in combination with group characteristics, focus on improving consumers’ financial knowledge and skills, and improve consumers’ financial behavior. At the same time, actively respond to the challenges brought by digital technology. For some consumers, digital technology has a lagging effect in promoting financial literacy, so more financial education tools should be developed to adapt to the digital age and demographic changes.

  "The cultivation of good financial literacy and consumption concept needs to start with school education and start with dolls. This should be the basic quality that every citizen should have." Wang Jun believes that residents should be guided to establish a sustainable consumption concept, live within their means, consume moderately, and arrange and balance the relationship between savings and consumption from the perspective of the whole life cycle.

  Yang Jun believes that for individuals, it is still necessary to advocate the concept of thrift and reasonable arrangement of various consumption expenditures. For large loans, it is necessary to balance the relationship between future income and current loans, and try to keep the current loan amount within the current discounted value of future reasonable income expectations. The government should promote the integration of financial knowledge into the national education system and improve the financial investment literacy of the people; At the same time, improve the financial supervision system, promote the efficiency of the financial sector, and control social and financial risks.

  (At the request of the interviewee, fei chang, Zaler Xu, Lou Yun, Liu Ye and Ren Huan mentioned in this article are all pseudonyms. )

  Consumer said

  "If you have income, you will definitely save money."

  Zhang Fei college student female is 23 years old.

  I can’t save money at present because there is no extra income; However, it will not be consumed in advance. Even if you use Alipay’s "flower garden" loan or make installment payment, you must ensure that you can pay it back now.

  I will definitely save money when I have income in the future. I haven’t thought about how much to save, but I certainly won’t spend money lavishly. For example, if I earn 20,000 yuan a month, I must save at least 10,000 yuan, regardless of the necessary expenses.

  What do you save money for? Of course, it is to buy a house, a car, or an emergency. I think saving money is a great source of security, which means stronger risk coping ability and more future choices. Anyway, I dare not be a "moonlight family".

  "Consumption is better than saving money"

  Xu Lang graduated for one year, unemployed male, 26 years old.

  I don’t make money now, and I can’t save money. After making money, you shouldn’t save money at first, so it’s estimated that it’s not enough to spend, but if there is any surplus after spending, won’t the money be saved automatically?

  I think consumption is still very important. It is better to spend for your own interests than to save money. What do you save money for? I haven’t thought about it, so I’ll save it first.

  I usually use Alipay "Flower Garden", and I can only use it to advance when I have no money. Now my parents help me repay the loan, so I haven’t thought about the credit limit and repayment ability.

  (Peng Xunwen, Li Hejun)

China Banking and Insurance Regulatory Commission plans to stipulate that banking financial institutions should control the actual use of credit card funds and not use them for repayment of loans, inv

  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.