How Taobao buys online Taobao’s methods and processes.

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

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

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

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

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

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

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

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

Do you know the custom and origin of Dragon Boat Festival?

Another year of Dragon Boat Festival.

As one of the four traditional festivals in China,

Dragon Boat Festival became in 2009.

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

How much do you know about the Dragon Boat Festival?

Watch it with sister cranberry ~

The origin of the Dragon Boat Festival

1. Originated from commemorating Qu Yuan.

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

2, in memory of Wu Zixu said.

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

3, in memory of the filial daughter Cao E said

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

Dragon boat festival custom

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

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

1. Rowing the Dragon Boat Festival

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

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

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

2. Hanging wormwood on the Dragon Boat Festival

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

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

3. Eat zongzi on Dragon Boat Festival.

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

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

4, is a colorful line

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

5. Order realgar wine

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

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

erect

noon

safe

healthy

I wish everyone.

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

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

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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.

The Center for Disease Control and Prevention in Huzhong District went deep into the first primary school in Huzhong District to carry out the detection activities of iodine deficiency disorders enter

Recently, the Center for Disease Control and Prevention in Huzhong District went deep into the first primary school in Huzhong District to carry out the detection activities of iodine deficiency disorders entering the campus.

During the monitoring activities, the Center for Disease Control and Prevention of Huzhong District specially hired the doctors in the Color Doppler Room of Huzhong District People’s Hospital to use mobile B-ultrasound to measure the thyroid volume of the students aged 8-10 in the whole school, and sampled the salt in the students’ homes, collected the urine samples of the students for urine iodine detection, explained the knowledge of preventing iodine deficiency to the students, and distributed more than 200 publicity materials and 200 promotional materials.

This testing activity made all teachers and students realize the importance of scientific iodine supplementation, and further improved the recognition and support of campus, family and society for the prevention and treatment of iodine deficiency disorders by iodizing salt. At the same time, we should remind everyone to continue to pay attention to the iodine nutrition problem of teenagers, strengthen publicity, education and monitoring to ensure the healthy growth of teenagers.

Original title: "The Center for Disease Control and Prevention of Huzhong District went deep into the first primary school in Huzhong District to carry out the detection activities of iodine deficiency disorders entering the campus"

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The BMW 3 Series in Changsha is on sale, with a minimum price of 209,900! limited in number

[car home Changsha Preferential Promotion Channel] Recently, a generous preferential promotion activity was ushered in in Changsha, with the highest preferential margin reaching an astonishing 120,000 yuan! Now, the minimum starting price is only 209,900 yuan. If you are interested in this luxury car, you may wish to click "Check the price of the car" in the quotation form to get a higher discount!

长沙地区宝马3系正在优惠,最低售价20.99万!数量有限

The design of BMW 3 Series is full of sense of movement and luxury. Its front face adopts the iconic kidney-shaped air intake grille with sharp LED headlights to create a highly recognizable visual effect. The body lines are smooth, and the overall style is compact and dynamic, showing the consistent high-performance genes of BMW brand.

长沙地区宝马3系正在优惠,最低售价20.99万!数量有限

The body size of BMW 3 Series is 4728*1827*1452 mm, the wheelbase is 2851 mm, the front tread is 1583 mm and the rear tread is 1568 mm.. From the side, its lines are smooth, the proportion of the car body is coordinated, and the front face and tail design reveal a sporty atmosphere. In terms of tires, the car is equipped with 225/45 R18 front tires and 255/40 R18 rear tires. With 18-inch wheels, it not only provides good grip, but also shows its sports style.

长沙地区宝马3系正在优惠,最低售价20.99万!数量有限

The interior design of BMW 3 Series is simple and full of scientific sense. The layout of the center console is reasonable. The 14.9-inch central control screen occupies the visual center, which supports multimedia system, navigation, telephone, air conditioner, window and other functions. It can be operated by voice recognition control system, providing a convenient car experience. The steering wheel is made of leather, which supports manual up and down+forward and backward adjustment, ensuring that the driver can find the most comfortable driving position. The front seat is made of imitation leather and has heating function. The main driver’s seat provides functions such as front and rear adjustment, backrest adjustment, height adjustment (4-way), leg rest adjustment and lumbar support (4-way). The co-pilot seat also supports front and rear adjustment, backrest adjustment, height adjustment (4-way) and leg rest adjustment to meet the needs of different passengers. In addition, the car is equipped with USB and Type-C interfaces to provide passengers with convenient charging options, and the front seats also have wireless charging function of mobile phones to further enhance the technological experience.

长沙地区宝马3系正在优惠,最低售价20.99万!数量有限

The BMW 3 Series is equipped with a 2.0T turbocharged engine, with a maximum power of 180kW and a maximum torque of 400 N m. With the 8-speed automatic manual transmission, the excellent performance of the vehicle in terms of power output and driving experience is ensured.

Car home car owners mentioned in the evaluation that the spatial performance of BMW 3 Series is quite satisfactory, which is in line with the positioning of B-class cars. Although some space has been sacrificed, as the main sports model, such spatial performance is enough. In contrast, he once considered CT5, but finally chose BMW 3 Series, thinking that it not only meets the sports performance, but also meets the satisfactory standard in space performance.

The annual strategies of many brokers are optimistic about the market expectations for next year: A shares are expected to usher in valuation, repair growth style or be relatively dominant.

K-line chart of high-voltage fast charging plate index day (Zhang Dawei drawing)

  Near the end of the year, a number of investment strategies of brokers in 2024 have been released one after another, making the latest judgments on macroeconomics, market trends and sector allocation in the new year. Institutions generally believe that the macro economy will continue to improve next year, and A shares are expected to usher in valuation repair. However, there are different views among brokers on the judgment of market style.

  Macroeconomic recovery is expected to continue next year.

  Looking forward to the economic situation next year, many institutions believe that with the continuous efforts of policies, the domestic macro-economy will continue to improve and market confidence will be boosted.

  Huaan Securities predicts that the endogenous growth of the domestic economy will be around 4.6% in 2024, and with the help of policies, it is still expected to achieve a GDP growth rate of around 5% throughout the year. The supporting factors mainly come from two aspects: on the one hand, with the endogenous recovery of the economy, consumption gradually stabilizes, which constitutes the basic disk of growth; On the other hand, under the policy guarantee, the investment side continues to exert its strength. One is to issue additional government bonds to support infrastructure investment, and the other is to stabilize real estate investment in affordable housing in urban villages. At the same time, the recovery of exports has driven the manufacturing investment to remain stable.

  Dong Qi, the macro chief analyst of Guotai Junan Research Institute, believes that it is expected that the economic growth rate will continue to recover in 2024, the rhythm will be high and then low, and the pattern of low inflation will continue. PPI will turn positive in the second quarter, exports will improve relatively, and consumption and investment will remain resilient.

  According to CITIC Securities, the domestic macro-economy is expected to be steadily restored and its vitality will reappear in 2024. The vitality of domestic micro-subject economy will be restored with the weakening of the US dollar and the strengthening of policies, and the economy will gradually return to the potential medium and high-speed growth level. In 2024, the domestic GDP is expected to increase by 5.1%, which is structurally characterized by "old kinetic energy for stability and new kinetic energy for progress".

  A shares are expected to usher in valuation repair

  Since the beginning of this year, affected by multiple internal and external factors, the A-share market has fluctuated obviously. How will the A-share market be interpreted in the new year? Many institutions expect optimism.

  Zhang Xia, chief analyst of China Merchants Securities Strategy, said that looking forward to next year, the revenue and profit growth of A-share listed companies is expected to maintain a slight upward trend. In terms of funds, the implementation of the previous capital market reform measures will effectively improve the supply and demand of funds, and it is expected that the incremental funds will turn to net inflows in 2024. With the end of the Fed’s interest rate hike cycle and the shift to interest rate cuts and table expansion, the liquidity of the US dollar is expected to improve significantly. It is expected that foreign capital will resume a small net inflow trend in 2024, which will have a positive impact on A shares.

  "Overall, driven by the above factors, the A-share market will show a volatile upward trend, and the main broad-based index is expected to record a slight increase." Zhang Xia said.

  Zheshang Securities believes that the state of China’s economic operation is a key factor for the judgment of the general trend in 2024. With the help of the auxiliary description of inventory cycle, combined with the forecast of investment, export and consumption, it is predicted that A shares will show a trend of shock recovery in 2024.

  CITIC Securities predicts that, from the rhythm point of view, the A-share repair will be more flexible in the first half of 2024, and may fluctuate and differentiate in the second half. It is expected that the New Year’s Eve to the first quarter of next year will be an obvious window to boost market confidence, and the slope of A-share repair will be the largest. With the verification of domestic economic targets and the slope of restoration, the reform of the investment side of the capital market continues to take effect, and the market is expected to continue to repair in the second quarter of next year, and the slope tends to be flat. It is expected that the market structure may begin to differentiate after the A-share valuation has undergone three stages of repair in the second half of next year.

  What investment opportunities are worthy of attention?

  Since the beginning of this year, the rotation of A-share theme has been accelerated, and the configuration is more difficult. Which investment direction is worth paying attention to next year, the dominant value style or the dominant growth strategy? In terms of style judgment, brokers have their own opinions, but the pre-judgment growth style is dominant.

  Caitong Securities believes that the A-share market style is expected to be relatively balanced next year, and the valuation is expected to pick up. It is recommended to pay attention to the Science and Technology 100 Index and the Entrepreneurship 200 Index. Judging from the comparison with the historical bottom area and the characteristics of institutional heavyweights, many indicators of current A shares are at the bottom. Consumption, TMT and many other segments are cost-effective, and next year’s profit and valuation are expected to be Shuang Sheng, and the market is expected to warm up. Combined with multiple factors such as profit margin improvement and policy drive, the growth style of A shares may be relatively dominant next year.

  Zhang Xia is also optimistic about the performance of growth style next year. He said that under the trend of bottoming out of profits and declining yield of US bonds, A shares may turn to growth style. From the perspective of industry, it is suggested to pay attention to science and technology, medicine and some cyclical stocks, and pay attention to the new energy sector after the second quarter, based on the comprehensive judgment of macro environment, science and technology cycle, supply and demand pattern of production capacity, changes in core driving factors of industry prosperity and market performance in the past two years.

  Huaan Securities judges that the growth of the A-share market and the market of the consumer sector will alternate next year. Growing the main line of science and technology or leading the annual market, the main line of consumption is expected to follow closely. When the overall growth style is dominant, industries such as electronics and communications are preferred. With the stabilization of the real estate industry and the significant upward consumption of services, the consumption style is expected to gradually dominate.

  Fang Yi, chief strategist of Guotai Junan Research Institute, believes that the small-cap theme market may cool down in the first half of next year, and the stable style of the large-cap market is expected to prevail. Since the beginning of this year, investors’ risk appetite has tended to be at both ends: small-cap growth stocks have risen, while large-cap blue-chip stocks have fallen. It is expected that the market of small-cap theme stocks with high-risk characteristics may ebb in the next stage, and investment opportunities may turn to large-cap stocks with low-risk characteristics. It is suggested to pay attention to investment opportunities of fixed-income bonds and related products.


Tesla FSD officially increased its price to $15,000 without adding new features.

On September 6th, according to the previous statement of Tesla CEO Elon Musk, the company has recently officially raised the price of the fully automatic driving (FSD) package of the advanced driver assistance system to 15,000 US dollars (about 103,900 yuan).

According to foreign media reports, some people believe that this FSD system is not worth $15,000 at present. ; Although it costs $9,000 more than the enhanced version of Autopilot, users only have the opportunity to experience the latest beta version of FSD.

Over the years, Musk has always said that with the continuous improvement of the functions of the FSD system, the car will eventually be fully autonomous. Tesla will also gradually increase the price of this system.

. Although the test has been carried out for two years, there is still a long way to go to realize the full automatic driving of the car.

From a technical point of view, the FSD system can run in most traffic environments, including crossing intersections, but the responsibility for driving still lies with the driver, who still needs to keep his attention and be ready to take over control at any time. The industry believes that the most important step for companies developing autonomous driving systems to achieve this goal is to be willing to assume the driving responsibility under the activation of the system.

Tesla has made it clear that this cannot be done. The company sent a series of warnings to users who participated in the FSD Beta test, clearly indicating that the driving responsibility still lies with the driver.

Tesla believes that every update of the FSD system means a step closer to the goal of fully autonomous driving, and that some of these updates are worthy of raising the overall price of the system.

Last month, Musk also reported that Tesla would increase the system price from $12,000 to $15,000 as the company launched the beta version of FSD Beta 10.69 on a larger scale.

On Monday, Tesla updated the price information of FSD on the vehicle customization page in official website-by $3,000-but did not include more new features. There are more words such as "coming online" and "automatic turning on urban roads" in the description of the page, which is still in the testing stage open to invited users, and it is not much different from the previous routine update.

source map

source map

If the user already owns Tesla’s enhanced Autopilot system, there is nothing new except the opportunity to experience the latest beta FSD, and the test experience itself is not a reward.

Musk has made it clear that the value of a fully autonomous driving system far exceeds $15,000. He said that the price would continue to rise. In fact, the initial price of the FSD system was only $6,000. Now, what you buy with an extra $9,000 is not what users really want, but that you can bet on Tesla to provide real automatic driving function in the future, and you can start at a lower price.

However, it is not clear how Tesla can develop the beta FSD into a safe autopilot system that is willing to take responsibility.

Tank 330 is officially listed as a model/priced at 330,000 yuan.

  [Aika Auto Domestic New Car Original]

  On March 16th, Tank 330 was officially launched.Launch a model with a price of 330,000 yuan.. The new car is deeply developed based on the limited edition of Tank 300 Border, which has absorbed the essence of off-road technology of tank brands for many years, and the whole car is more hard-core, which perfectly combines off-road performance with luxury. Powered by a 3.0T V6 twin-turbo engine. The official said that the first batch of 1,000 cars will be sold, and it is expected to be released in batches in limited quantities.

Tank 330 is officially listed.

  In terms of appearance, the tank 330 inherits the unique hard-core style of the tank brand, and the lines of the whole vehicle are strong and powerful, showing a strong sense of strength. The hood of the new car has undergone a new design, and the bulging muscle lines seem to contain infinite energy. In the front part, the tank 330 adopts a rounded rectangular front grille design, and the interior is cleverly integrated with a round headlight group and a penetrating light strip, which adds a touch of retro charm to the whole vehicle. What’s more worth mentioning is that the tank 330 has been equipped with front and rear metal competitive bars, metal side guardrails, reinforced upper and lower control arms and three chassis armor guards when it leaves the factory.

Tank 330 is officially listed.

Tank 330 is officially listed.

  The side design of tank 330 is also eye-catching, and the combination of wide-body wheel eyebrows and large-size wheels with dense spokes creates a domineering visual effect for the whole vehicle. In terms of body size, the length, width and height of the tank 330 reached 4772mm, 1970mm and 1960mm respectively, and the wheelbase was 2,750 mm. tyre size chose 265/70 R18, which fully met the requirements of off-road driving. The vehicle weight is controlled within 2.5 tons, which ensures good handling performance. Its approach angle, departure angle and longitudinal passing angle are 36, 33 and 25 respectively, and the minimum ground clearance reaches 242mm, which further highlights the excellent off-road capability of the tank 330. In addition, the design elements such as raised wheel eyebrows, roof rack and full-size external spare tire not only improve the practicability of the vehicle, but also increase the hard-core style of the whole vehicle. The red V6 logo at the rear of the car highlights the powerful power system of the tank 330.

Tank 330 is officially listed.

  The rear of the tank 330 shows a square and rough body line, and the front and rear raised wheel eyebrows and full-size external spare tire add a strong off-road atmosphere to the whole vehicle. The horizontal tailgate has a unique design, and the vertical door handle on the left side shows its unique and personalized style, which makes the tank 330 full of charm and characteristics in details.

Tank 330 is officially listed.

Tank 330 is officially listed.

  Tank 330 has also made great efforts in interior design. The car is made of high-quality materials, creating a luxurious and comfortable driving environment. At the same time, the new car is also equipped with many intelligent technology configurations, such as 12.3-inch dual screen and intelligent voice interactive system, which provides drivers with a more convenient and intelligent driving experience. It is worth mentioning that the air conditioning function uses physical buttons, which is more convenient to operate and conducive to the safety of driving.

Tank 330 is officially listed.

  Tank 330 is equipped with a 3.0T V6 twin-turbo engine, which can release a maximum power of 260kW and a torque of 500Nm. The matching transmission system is an advanced 9AT gearbox. This powerful power system not only endows the tank 330 with powerful power performance, but also shows excellent stability and reliability in complex and changeable road conditions. It is worth mentioning that the thermal efficiency of the engine is as high as 38.5%, and the fuel consumption of the whole vehicle under WLTC working condition is only 11.9L L. At the same time, it is supplemented by a 48V motor, which further optimizes the fuel economy.

Tank 330 is officially listed.

  According to official sources, the tank 330 adopts an intelligent and timely four-wheel drive system and is equipped with a MLOCK mechanical locking function. This system can realize flexible switching of various modes, including two-wheel drive (2H, economic mode can lock rear drive), intelligent four-wheel drive (AWD), high-speed four-wheel drive (4H) and low-speed four-wheel drive (4L). Especially in 4L mode, the torque can be amplified by 2.64 times, thus providing strong traction, and the maximum traction mass reaches 2500kg. This design enables the tank 330 to be comfortable in various off-road scenes, showing its excellent off-road performance.

Tank 330 is officially listed.

  Editor’s summary: The listing of Tank 330 will further promote the development of off-road vehicle market, and its hard-core design and strong power performance will attract more consumers who pursue individuality and off-road experience. At the same time, the high-quality interior and intelligent technology configuration of the tank 330 will also inject new vitality into the off-road vehicle market. In the future, tank brands will continue to deepen the off-road vehicle market and bring more high-quality and high-performance off-road vehicles to consumers.

Wonderful content review:

The 2024 tank 300 was officially listed for sale at 199,800 yuan.

Tank 400 Hi4-T: Wild than 300 and cool than 500!

The tank 700 Hi4-T was officially put on the market and sold for 428,000 yuan.

Jiangsu has added 16 national-level non-legacy projects! How much do you know about these "national names"? Xiao Xiaosu said

  Intangible heritage is the "living" soul of traditional culture, a precious memory of national traditional culture, bearing cultural awareness and national spirit. Jiangsu is one of the cradles of ancient civilization in China, with numerous intangible cultural heritages. Recently, the State Council announced the fifth batch of national intangible cultural heritage representative projects and expanded projects, and 16 projects including Jiangsu Nanzha Folk Song and Taixing Flower Drum were selected. (Please poke the directory for details > >)

  How much do you know about these non-legacy projects? Feel their charm with Xiao Su!

   | The Fifth Batch of National Intangible Heritage Representative Projects in Jiangsu Province

  Huaian: Nanzha Folk Songs

  Nanzha folk song is a traditional folk song in Jiangsu Province. Nanzha Town is located in the southwest border of Chuzhou District, Huai ‘an City, with the Grand Canal in the east and Baima Lake in the vicinity. It has beautiful scenery and rich humanities. It is not only full of the cultural charm of the Beijing-Hangzhou Canal, but also rich in rich and high-quality local folk songs. Nanzha folk songs born of the canal originated from this place.

  According to historical records, Nanzha folk songs were well-known in the Tang Dynasty. Nanzha folk songs, based on their rich rhyme of water and countryside, have formed euphemistic, slow and lyrical singing features and singing forms such as competition and duet, and more than 500 songs have been circulated so far.Covering folk music, folk literature and folk culture, it is rich in content, beautiful in melody, widely sung and well protected, and is known as the "living fossil of folk traditional music". As early as 2009, Nanzha folk songs were listed as provincial intangible cultural heritage projects.

  Taizhou: Taixing Flower Drum

  Taixing Flower Drum originated from Qinjialou, Nansha Township, Guangling District, Taixing County, according to Mingzhai Zhenshi • It has a history of three or four hundred years. Taixing Flower Drum can not only perform dance alone, but also sing while dancing. Whether it is the dance itself, the tune or the lyrics, it has a complete and mature structure, unique style, self-contained and extremely local characteristics.

  Taixing Flower Drum is sung in Taixing dialect, and the lyrics are not fixed. In order to avoid monotonous repetition, some lyrics are often made up and filled into the song, or some humorous and witty songs are sung to enliven the atmosphere and please the audience. The dance steps and movements of Taixing Flower Drum are large, flexible and funny. The dance steps include "Three Steps Upside Down", "Magpie Climbing the Plum Step" and "Jade Rabbit Yue Bai Step". Among them, "Three Steps Upside Down" and "Magpie Climbing the Plum Step" are not found in other folk dances. In particular, the "three-step", the foot shaking and the waist twisting and knees bending, is very rhythmic, showing the simple, kind, optimistic and cheerful personality of Taixing people. In 2009, it was listed as a non-legacy protection project in Jiangsu Province.

  Suqian: Subei Drum

  Subei Drum is a form of rap music based on Suqian dialect, commonly known as "singing big books". The form of expression is a big drum and two crescent plates. Talk and sing, and pay equal attention to rap. His lyrics are rigorous, including cross sentences, seven sentences, five sentences and three sentences. To put it bluntly, pay attention to drinking, eating, being slow and anxious, with symmetrical upper and lower sentences and vigorous singing. The long representative works are Gao Huaide’s Soldiers Going Down to Hedong, A Loyal Luo Family General, and the short representative works are Yu Ji’s Ci Chu, Aunt’s Pledge, Giving Sheep, Flying Kite, etc.

  Northern Jiangsu Drum was formed in the middle of Qing Dynasty, and it was recorded in detail in China Quyi Zhi. Mainly distributed in Suqian, Jiangsu, Suining, Pizhou and other areas along the Beijing-Hangzhou Grand Canal, and then extended to Huai ‘an, Lianyungang and other surrounding areas. Northern Jiangsu drum works have won many national and provincial awards such as Peony Award nomination award, Wenhua Award, Five-Star Project Award and Luhua Award.

  Yancheng: Hair Embroidery (Dongtai Hair Embroidery)

  Dongtai Hair Embroidery, formerly known as Ink Embroidery, is made of silk as the base, embroidery needle as the pen, and selected girls’ natural hair as the embroidery thread. Compared with other embroidery crafts, hair embroidery is a comprehensive art with unique materials, corrosion resistance, strong texture, never fading, simple and elegant, pale and beautiful, natural color, involving books, paintings, printing, embroidery, engraving and many other fields. In 2007, Dongtai was named as "the hometown of hair embroidery art in Dongtai, China" by China Folk Writers Association. The Ministry of Culture has twice named "Dongtai Hair Embroidery" as the hometown of folk art.

  Dongtai hair embroidery originated in the Tang Dynasty with a history of more than 1300 years. Through the inheritance and innovation of outstanding hair embroidery craftsmen in the past dynasties, the variety has developed from the original ink embroidery to touch-up embroidery, Shuang Mianxiu embroidery and double-sided embroidery with different colors, which further improves the viewing effect and enhances the appeal of the works. On the basis of inheriting the traditional needling methods, more than 30 kinds of needling methods, such as rolling, spinning, winding and sleeving, are expanded, which are used flexibly according to different works, making the shades, wet and dry, distance and depth of the works more natural and enriching the expressive force of hair embroidery works.

  Lianyungang: Crystal Sculpture (Donghai Crystal Sculpture)

  Crystal carving in the East China Sea has a long history. In the 1970s, the "Crystal Gravel Scraper" unearthed at Daxianzhuang Site in Shanzuokou, Donghai County was the first Paleolithic site discovered in Jiangsu Province. The craft mainly includes "round carving, relief carving, through carving, line carving, reverse carving, female carving, male carving and other techniques."

  Based on rock crystal’s texture, size, shape, color, inclusions, water bladder and other characteristics that other jade does not have, Donghai Crystal Sculpture is characterized by its crystal clear, colorful modeling, exquisite and unique patterns and exquisite carving skills. It is constantly "recreated" by adopting modern cultural and artistic methods such as knowing and vivid, homophonic borrowing, painting and seal cutting combination, and inlay and embellishment, forming a unique national traditional style, which has artistic value of the times and has won successively. Donghai Crystal Festival ",the 8th Jiangsu" Crystal City Cup "Crystal Sculpture Grand Prix.

  Yancheng: Porcelain Carving (Dafeng Porcelain Carving)

  Porcelain carving is a traditional folk handicraft art with a long history in China, and there were methods of peeling and chiseling porcelain glaze in Qin and Han Dynasties. Since the Wei and Jin Dynasties, with the development of the ceramic industry, a large number of exquisite porcelains appeared. While enjoying porcelains, emperors, officials and some literati wanted to keep the ink of poems and inscriptions on them for permanent preservation, so artists at that time carved the outlines of poems and paintings on the porcelain blank before glazing with a straight knife, which formed the initial porcelain carving. According to legend, Emperor Qianlong of the Qing Dynasty often inscribed poems on his favorite porcelain to express his passion. In order to keep the imperial vestiges for a long time, court artists tried to carve Mo Bao on porcelain, which really produced porcelain carving.

  Dafeng porcelain carving is famous for its exquisite knife work, smooth lines, far-reaching artistic conception and vivid figure carving. It takes porcelain as the carrier, steel chisel and hammer as tools, and uses the unique beauty of porcelain itself and the porcelain collapse effect after carving, combining the carving techniques of different shades, different densities, uneven lengths, coarse and fine, virtual and real with the knife method, and vividly reproduces the object mechanism of the works on the surface of porcelain, which not only

  Yangzhou: Powder making skills (Xie Fuchun powder making skills)

  Xie Fuchun fragrant powder shop was founded in the tenth year of Qing Daoguang (1830), and it is famous for its "fragrance, powder and oil". Its production technique is a special technique of picking the fragrance from flowers, injecting raw powder and oil, supplemented by other materials such as traditional Chinese medicine, and processing through multiple technological processes, so as to make fragrant powder, fragrant pieces and comb oil. This technique is very complicated and has profound cultural implications.

  As early as 1915, Xie Fuchun’s duck egg powder and xiang zhu won the gold medal at the first Panama Pacific World Expo held in 1915. During the Republic of China, the development of Xie Fuchun’s powder making technique reached its peak. The inheritance, protection and development of Xie Fuchun’s production skills of "fragrance, powder and oil" are of great significance to the study of local craft history and even the history of China folk culture and beauty culture.

  Xuzhou: Xuzhou fuyang food custom

  "Fu Yang", that is, mutton after crouching, has been circulating in Xuzhou folks that "a bowl of mutton soup is crouched without a prescription from a fairy". It is believed that eating mutton in the dog days is a pioneering work of taking food as a treatment, which is to heat the body, sweat and detoxify, and drive away the poison and moisture in winter and spring.

  "Eating mutton in the dog days" has a long history in Xuzhou, which can be traced back to the Yao and Shun period. Xuzhou was called Pengcheng in ancient times, and Geng Keng was also called Peng Zu because of his seal in Pengcheng. Because Peng Zu was good at preparing delicious pheasant soup and giving it to Emperor Yao, he was sealed by Emperor Yao in Dapeng. Peng Zu’s famous dish "Sheep hide fish" and the roast mutton on the painted stone in Han Dynasty all show that Xuzhou people have a civilization history of thousands of years. In recent years, Xuzhou summed up and created the festival "Fu Yang Festival" on the basis of folk food customs, which started on the first day of the traditional lunar calendar every year and ended at the end of the last day, lasting for one month.

   | The fifth batch of national non-legacy representative projects expansion projects in Jiangsu Province

  *The expansion project of intangible cultural heritage representative projects refers to the project that has entered the last batch of national intangible cultural heritage projects before, but in the subsequent batch of declaration, due to the different reporting areas and units, the declared projects can only be regarded as the expansion list projects in the form of extended protection units.

  Taizhou: Stone Lock (Hailing Stone Lock)

  Stone locks are said to have originated from the military camp in China in the Tang Dynasty. Soldiers often use stone locks and stone burdens to exercise, and then spread to the people, and evolved into a traditional competitive event that integrates strength, skills and fitness.

  There are mainly snatch and swing lifting methods in Hailing’s stone dumping, and there are various kinds of colorful movements by throwing methods such as forward throwing, backward throwing, cross throwing and back throwing, and hand joint, finger joint, elbow joint, shoulder joint and head joint. Stone locks can be practiced by one person or by two people, and there are two or three people in the competition.

  Changzhou: Suzhou embroidery (Changzhou random needle embroidery)

  "Take the needle as the pen and the silk as the painters, seize the first voice of Suzhou embroidery, and climb the peak of embroidery art.. Everyone who sees it is praised as ‘ Shenzhen ’ 。” Liu Haisu, a famous painter, once had such an evaluation on the random needle embroidery. Different from the four famous traditional embroideries in China, the disorderly needle embroidery is a new embroidery art created by combining painting theory with embroidery theory, which was founded by Changzhou embroidery craftsman Yang Shouyu in the 1930s. Because of its unique embroidery method, it is called the fifth famous embroidery in China today.

  There is a description in Changzhou City Records: "Yang Shouyu’s disorderly needle embroidery art borrows needles to paint. All portraits, figures, landscapes, flowers, animals, birds and still life can be embroidered, especially figure embroidery, which is called ‘ Shenzhen ’ 、‘ Needle painting ’ " . The most striking feature of "random needle embroidery" is that it gets rid of the traditional operation method of "closely connecting its needles and arranging its lines" and does not stick to dogma, so that the author can freely express his thoughts and feelings. In 2007, random needle embroidery was selected into the first representative list of intangible cultural heritage in Jiangsu Province.

  Nantong: Carpet weaving technology (Rugao silk carpet weaving technology)

  Rugao silk carpet is a silk carpet craft with a history of more than 2,000 years, and it formed a local unique traditional manual craft in the late Ming and early Qing dynasties. Its uniqueness lies in the fact that it is the only tapestry artwork made by silk tapestry technology in China, which has typical cultural creativity value.

  Tapestry of Tianshan Mountain in Xinjiang Hall of the Great Hall of the People

  Rugao silk tapestry takes high-quality wild spun silk as raw material, and achieves special effects such as screen color separation, color matching, rhyme color and color jumping by a unique hand-knotting method, thus making the tapestry accurate in modeling, rich in expressive force, concise and thick in color, and fully showing the artistic characteristics of various schools of painters’ works, which is widely appreciated and valued by the art world.

  Rugao tapestry "Beijing Millennium Landscape Map"

  Suqian: Traditional Distilled Liquor Brewing Technique (Yanghe Liquor Brewing Technique)

  Yanghe liquor brewing technology began in the Tang Dynasty and developed in the Ming and Qing Dynasties. It has a history of more than 400 years and is a traditional distilled liquor brewing technology in China. Yanghe liquor has a unique brewing technique, which has been continuously improved in inheritance and development for hundreds of years and is still in full use today.

  Yanghe wine is completed by four processes: koji-making, brewing, sealing and blending. Its main characteristics are slow brewing by hand, three low technologies and soft taste. There are "four slowness" in manual slow brewing, that is, slow manual, slow fermentation, slow storage and slow production. After hundreds of years of production practice, a unique production process of Laowu retort was created, and the process and wine style could not be copied in different places. From grain selection, koji-making, brewing, wine storage, manual slow brewing, "slow kung fu" achieves "soft taste in no hurry" The "three low" processes are low-temperature entry into the pool, low-temperature fermentation and low-temperature distillation, which are the core techniques of Yanghe wine brewing. Yanghe liquor has a soft taste, which has the characteristics of "sweet, soft, clean and fragrant", creating a new pattern of "taste-oriented" and being praised as the "soft originator" of China liquor.

  Nanjing: green tea making skills (yuhua tea making skills)

  Shaped like a pine needle, it is tight, thin, round and straight, with beautiful front seedlings, green color, white dew, elegant aroma, fresh taste and bright green leaves … … Yuhua tea is one of the top ten famous teas in China. Nanjing green tea production has a long history, which is recorded in Lu Yu’s Tea Classic. Up to now, there is still an old trail of "Tea Trial Pavilion" behind the mountain of qixia temple. By the Qing dynasty, the scope of tea cultivation in Nanjing had expanded to the north and south of the Yangtze River. After the founding of New China, Yu Yongqi, a senior engineer of Sun Yat-sen Mausoleum, was responsible for the implementation of tea frying technology, which was successfully developed in the spring of 1959 and named "Yuhua Tea" to make the martyrs last forever.

  On the basis of inheriting the frying technology of ancient Chinese green tea, Yuhua tea has its own unique frying technology and incorporates new vitality, but the production process is complex, demanding and difficult. Nanjing has established a sound management organization while increasing investment, so that Yuhua Tea can be better inherited and developed.

  Nanjing: vegetarian cooking skills (green willow house vegetarian cooking skills)

  At the beginning of the last century, a vegetarian shop with only three or five tables and chairs opened in Taoyedu. The reason is that the vegetables are green in color, the willows are easy to live and grow, and the cloud "weeping willows are everywhere", hence the name "Green Willow House". With the change of wind and rain, Lvliu Jusu Restaurant has changed its name, changed its address and changed its chef several times. However, in the past 100 years, it has absorbed the essence of Chinese vegetarian culture and gathered the essence of vegetarian cooking from various factions to form an "old brand" of catering that integrates palace, temples, folk vegetarian food and exquisite halal dishes.

  The raw materials of Lvliuju vegetarian cooking are nothing more than "bean products, gluten, bamboo shoots, mushrooms" and all kinds of vegetables, but after careful cooking and continuous innovation by the inheritors, it has finally become a vegetarian dish with good color, fragrance, taste and shape, which is not only vivid in image, but also similar in taste. In the past hundred years, the vegetarian diet in Green Willow House has attracted many people to taste it and become a symbol of vegetarian culture in Nanjing, a famous historical and cultural city.

  Nantong: Traditional Chinese Medicine Preparation Method (Wang Baobao’s Akamaru Production Technique)

  Wang’s Bao Akamaru is a traditional Chinese patent medicine made by Wang Yiqing, the 17th generation descendant of Nantong Wang’s family of traditional Chinese medicine, in Daoguang period of Qing Dynasty. In 1956, his grandson, Mr. Wang Mianzhi, a famous TCM doctor and master of traditional Chinese medicine in Nantong, presented the secret recipe to the country, and the method was handed down by one of the predecessors of essence pharmaceutical Group — — Nantong Pharmaceutical Factory produces exclusively, and its technological formula has been listed in the national confidential formula list for more than 60 years.

  Wangshibao Akamaru is a pill made of all natural Chinese medicinal materials. The pill shape is as small as rapeseed, and the pills are symmetrical and round, and the luster is as bright as pearls. It has a unique effect in treating gastrointestinal diseases such as weakness of spleen and stomach, anorexia, diarrhea and constipation. In 1983, this famous medicine won the National Quality Silver Award, and then Wang’s Akamaru production skills entered the ranks of the intangible cultural heritage of the province.

  Suzhou: Temple Fair (Shengtang Temple Fair)

  The temple fair of Shengtang, known as the Spring Festival, originated in the early Jiajing period of Ming Dynasty, and is a folk cultural activity circulating in Yangcheng Lake area, mainly focusing on the three days from March 26th to 28th of the lunar calendar every year (the legend is the birthday of Dongyue the Great).

  The temple fair in Shengtang is large-scale. During the temple fair every year, people in Yangcheng Lake Town and its surrounding areas will spontaneously organize folk teams. After offering sacrifices to the local land gods, they will carry out Lu Yun, valiant generals and other temple gods in eight-lift sedan chairs, and walk slowly while playing strings. This folk cultural activity was listed in the municipal intangible cultural heritage list in June 2013 and the provincial intangible cultural heritage list in January 2016, which is of positive significance for inheriting the roots of national culture and enhancing the self-confidence of national culture.

  (My Su Net is integrated from Huaihai Evening News Wisdom Taixing Sucheng Cultural Center Dongtai Daily Happiness Dongtai Yancheng Released Non-legacy Yangzhou Xuzhou Released Xuzhou Wenguang Tourism Bureau Official Weiwei Hailing Taizhou Hailing Cultural Center Wenlv Changzhou Rugao Released Suqian Released Yanghe Net Local Records Jiangsu Traditional Chinese Medicine Nantong Released Suzhou Non-legacy Pictures and videos are all from network editors/Moka Fang)

In 2016, the National Audit Office released 54 cases that had dealt with violations of discipline and law.

  Cctv newsToday, the National Audit Office released 54 cases of violations of discipline and law that have been handled so far in 2016. Some of the key cases were disclosed for the first time, which aroused widespread concern.

  Announcement No.31 of the Audit Commission this year shows that:

  Yao Zhongmin, the former chairman of the Board of Supervisors of China Development Bank, was suspected of taking advantage of his position to benefit relatives: The audit found that from 2005 to 2014, Yao Zhongmin was suspected of operating illegally in the loan business of China Development Bank to seek illegitimate interests for relatives. In August 2014, the Audit Commission transferred this clue to the Central Commission for Discipline Inspection for investigation and handling. In September 2016, the Central Commission for Discipline Inspection gave Yao Zhongmin the punishment of expelling from the Party and public office, and transferred the suspected crimes, clues and money involved to judicial organs for legal treatment.

  Bai Xueshan, the former vice chairman of Ningxia Hui Autonomous Region, was suspected of illegally interfering with land transfer. The audit found that from 2006 to 2013, Bai Xueshan was suspected of illegally interfering with land transfer and land acquisition compensation, resulting in the loss of state-owned rights and interests. In January 2015, the Audit Commission transferred this clue to the Central Commission for Discipline Inspection for investigation and handling. In December 2015, the Central Commission for Discipline Inspection gave Bai Xueshan the punishment of expelling from the Party and public office, and transferred the suspected crimes, clues and money involved to judicial organs for legal treatment. (CCTV reporter Chen Changwei)

  The Audit Commission regularly tracks the investigation and handling of clues about violations of discipline and law transferred to relevant departments and units. The relevant information about violations of discipline and law that have been dealt with until November 2016 is announced as follows:

  1. Yao Zhongmin, former chairman of the Board of Supervisors of China Development Bank, is suspected of taking advantage of his position to benefit his relatives.

  The audit found that from 2005 to 2014, Yao Zhongmin was suspected of illegal operation in the loan business of China Development Bank to seek illegitimate interests for relatives. In August 2014, the Audit Commission transferred this clue to the Central Commission for Discipline Inspection for investigation and handling. In September 2016, the Central Commission for Discipline Inspection gave Yao Zhongmin the punishment of expelling from the Party and public office, and transferred the suspected crimes, clues and money involved to judicial organs for legal treatment.

  2. Bai Xueshan, former vice chairman of Ningxia Hui Autonomous Region, was suspected of violating regulations and interfering with land transfer.

  The audit found that from 2006 to 2013, Bai Xueshan was suspected of illegally interfering with land transfer and land acquisition compensation, resulting in the loss of state-owned rights and interests. In January 2015, the Audit Commission transferred this clue to the Central Commission for Discipline Inspection for investigation and handling. In December 2015, the Central Commission for Discipline Inspection gave Bai Xueshan the punishment of expelling from the Party and public office, and transferred the suspected crimes, clues and money involved to judicial organs for legal treatment.

  3. Sun Zhaoxue, former general manager of China National Gold Corporation, and Yang Zhigang, chief engineer, were suspected of taking bribes and other issues.

  The audit found that from 2010 to 2014, Sun Zhaoxue, Yang Zhigang and others were suspected of illegally operating mining rights mergers and acquisitions, providing financial support for specific enterprise project development, and profiting from them. From 2014 to 2015, the Audit Commission transferred the above clues to the Central Commission for Discipline Inspection and the Supreme People’s Procuratorate for investigation and handling. By December 2016, the Central Commission for Discipline Inspection had given Sun Zhaoxue the punishment of expelling from the Party and public office. The Beijing No.2 Intermediate People’s Court and the Tieling Intermediate People’s Court of Liaoning Province sentenced Sun Zhaoxue and Yang Zhigang to 16 and 10 years’ imprisonment respectively for accepting bribes, the crime of huge amount of unidentified property and the crime of accepting bribes by non-state staff, with 3.5 million yuan of personal property confiscated and a fine of 500,000 yuan. All the stolen money and goods have been recovered.

  4. Zeng Jianping, former director of the printing department of China Banknote Printing and Minting Corporation, was suspected of accepting bribes.

  The audit found that from 2010 to 2014, some equipment and materials of China Banknote Printing and Minting Corporation were purchased without public bidding, and Zeng Jianping was suspected of accepting money from some non-public bidding suppliers. In July 2014, the Audit Commission transferred this clue to the Beijing Municipal People’s Procuratorate for investigation and handling. In June 2015, the Beijing No.2 Intermediate People’s Court sentenced Zeng Jianping to 11 years in prison for accepting bribes, and confiscated 110,000 yuan of personal property, and recovered 2.239 million yuan of illegal income from bribery and turned it over to the state treasury.

  5. Mao Shijia, former general manager of China Shipping Development Co., Ltd. and others are suspected of making illegal profits for relatives and friends.

  The audit found that from November 2004 to the end of 2013, Mao Shijia was suspected of collaborating with Liu Houping, deputy general manager of China Shipping Development Co., Ltd., and others to hand over the petrochemical oil transportation business to relatives for profit. In March 2014, the Audit Commission transferred this clue to the Ministry of Public Security for investigation and handling. In December 2014, Shanghai No.1 Intermediate People’s Court sentenced Mao Shijia to 6 years’ imprisonment and fined 1.5 million yuan for the crime of illegal profit-making by relatives and friends. Liu Houping was sentenced to three years and six months in prison for accepting bribes from non-state staff and fined 200,000 yuan.

  6. Chen Fujiang, former deputy general manager of China Shipping Group Shanghai Branch, and others are suspected of illegally operating similar business problems.

  The audit found that from September 2010 to October 2013, Chen Fujiang was suspected of taking advantage of being in charge of the Asia-Pacific and European transportation business of China Shipping Group Shanghai Branch, and after establishing a joint venture with Yuan Linlin and others, he gave the enterprise special preferential treatment in violation of regulations to obtain illegal benefits. In March 2014, the Audit Commission transferred this clue to the Ministry of Public Security for investigation and handling. In March 2015, the Intermediate People’s Court of Hongkou District of Shanghai sentenced Chen Fujiang to 4 years and 6 months in prison and Yuan Linlin to 4 years in prison for the crime of illegally operating similar businesses.

  7. Jiang Kaihua, a former staff member of the Housing and Urban-Rural Development Committee of Dandong City, Liaoning Province, was suspected of abusing his power to seek resettlement houses for relatives and friends.

  The audit found that from 2010 to 2011, Jiang Kaihua was suspected of abusing his power and seeking 8 sets of resettlement houses for 4 relatives and friends. In May 2014, the Audit Commission transferred this clue to the Liaoning Provincial Commission for Discipline Inspection for investigation and handling. In December 2014, the People’s Court of Zhenxing District, Dandong City, Liaoning Province sentenced Jiang Kaihua to 18 years in prison for abuse of power, corruption and fraud, and confiscated 100,000 yuan of property and fined 30,000 yuan; In December 2015, the relevant departments of Dandong City gave Jiang Kaihua the punishment of expelling the party membership and public office.

  Eight, Sichuan Huixin Rongtong Industrial Development Co., Ltd. defrauded the shed reform funds.

  The audit found that in August 2013, in the shantytown renovation project in Wuhou District, Chengdu, Sichuan Huixin Rongtong Industrial Development Co., Ltd., Deng Junru, the legal representative of the company, was suspected of instructing employees to forge false resettlement compensation supplementary agreements and cash receipts to defraud the shed reform funds. In April 2014, the Audit Commission transferred this clue to the Sichuan Provincial Public Security Bureau for investigation and handling. In December 2015, the People’s Court of Wuhou District, Chengdu, Sichuan Province sentenced Deng Junru to 3 years’ imprisonment, suspended for 4 years and fined 30,000 yuan for contract fraud. Sichuan Huixin Rongtong Industrial Development Co., Ltd. was fined 100,000 yuan for contract fraud.

  Nine, Chen Yanqiu, former deputy director of the Yanzhiwu Expressway Construction Management Office in Shaanxi Province, and others were suspected of defrauding the demolition compensation and other issues.

  The audit found that from 2009 to 2010, Chen Yanqiu, former deputy director of the expressway construction management office in Yanzhiwu, Shaanxi Province (from Jingzhidan County to Wuqi County, Yan ‘an City), and others were suspected of defrauding the demolition compensation by fraud; During the bidding process of this project, China Foreign Construction Co., Ltd. and other construction enterprises are suspected of lending or borrowing qualification bidding and colluding with bidding. From 2015 to 2016, the Audit Commission transferred these clues to the Shaanxi Provincial People’s Procuratorate and the Ministry of Transport for investigation and handling. In May 2016, the People’s Court of Zhidan County, Shaanxi Province sentenced six people, including Chen Yanqiu, to fixed-term imprisonment ranging from two years and six months to 10 years for corruption, with a co-existence fine of 1.9 million yuan. The transportation department shall notify the relevant construction enterprises, reduce their national comprehensive credit rating and be included in the "blacklist" of Shaanxi highway construction market.

  X. Zhang Songtao, former secretary of the Party branch of Hongxing Village, Gongchang Town, Longxi County, Dingxi City, Gansu Province, and others were suspected of defrauding land acquisition compensation.

  The audit found that in 2011, Zhang Songtao and his uncle Zhang Yaowen were suspected of defrauding land acquisition compensation by altering the measurement data of land acquisition and falsely reporting the number of seedlings. In March 2015, the Audit Commission transferred this clue to the People’s Procuratorate of Gansu Province for investigation and handling. In May 2016, the People’s Court of Zhangxian County, Gansu Province sentenced Zhang Songtao to 3 years in prison, suspended for 5 years and fined 300,000 yuan for corruption; Zhang Yaowen was sentenced to 2 years’ imprisonment, suspended for 3 years, and fined 150,000 yuan. At present, 926,100 yuan has been recovered.

  > > Click to view the full text of 54 cases in the announcement.