Food insurance, Xiong Haizi insurance, mobile phone broken screen insurance … Are these novel insurances reliable?

  Xinhua News Agency, Beijing, May 5 (Reporter Wang Aona, Cao Yiming) Afraid of eating your stomach, Xiong Haizi damaging the goods in the shopping mall, and accidentally breaking the screen of your mobile phone? Maybe the insurance company has already thought of it for you.

  Nowadays, novel Internet insurance products such as "food insurance", "Xiong Haizi insurance" and "mobile phone broken screen insurance" attract more and more consumers’ attention. Are these new types of insurance reliable? How do insurance companies design these products? What should I pay attention to when buying Internet insurance?

  Internet plus Insurance meets the individual needs of users.

  "Remember those years because of greed and sin? Then why not take out a food insurance to make yourself more secure? " The reporter saw in a shop of Taobao Insurance that the purchase of this food insurance premium only needs 9 yuan, and in the following year, if you are hospitalized or out-patient for acute gastroenteritis, you can pay 1000 yuan the highest.

  There are not a few unexpected Internet innovation insurances like "food insurance". These special insurances with low premium, short guarantee period and strong interest have attracted more and more insurance online consumption. Among them, 0.9 yuan can take out the "occasional minor injury insurance", the protection period is one to three months, and the maximum compensation for accidental injuries during this period is 2,000 yuan. "January5" who bought this insurance said: "Spend a little money to buy peace of mind." There is also the "Xiong Haizi Insurance" which costs 8 yuan a whole year. Children under the age of 17 can get compensation for breaking shopping mall vases or school glass.

  It is not difficult to see that Internet insurance has expanded more application scenarios in traditional property insurance and personal insurance, such as "Wang Xingbao" to protect the medical expenses caused by pet injuries, "Mobile phone broken screen insurance" for "hand-sliding party" and "beautiful as a flower insurance" for plastic surgery accidents. Compared with traditional insurance, these Internet insurances developed based on specific scenarios meet the short-term personalized segmentation insurance needs of users.

  Chen Jin, CEO of Zhongan Online Property Insurance Co., Ltd., said that the Internet has changed the traditional business pattern. The core of the Internet economy is customer demand-oriented, and so is the insurance market. It is these massive, small and fragmented insurance policies that greatly lower the threshold of insurance and cultivate the new consumption habits of the younger generation to buy insurance.

  Scenario innovation insurance is both a slogan and a risk.

  Relying on the rapid substitution of Internet insurance for some standardized traditional insurance and the incremental market brought by innovative products, the innovative business of Internet insurance has maintained rapid growth.

  According to statistics, in 2017, the number of Internet insurance signs was 12.491 billion, an increase of 102.60%, of which accident insurance was 1.592 billion, an increase of 539.26%; 1.032 billion liability insurance, an increase of 438.25%. It is precisely because of the prospect of rapid development of Internet insurance that more and more Internet giants such as Ali, Tencent, Baidu and JD.COM are competing to lay out in this field.

  Chen Jin believes that with the advancement of artificial intelligence, cloud computing, big data and other technologies, the power of science and technology has begun to reshape the product design, pricing, sales and claims of the insurance value chain. Taking product design as an example, Internet insurance companies cut in to acquire customers from e-commerce transactions, online payment, online travel and other scenarios, and collect, process and analyze user data in various ecosystems, making many risks become insurable from non-insurable. For example, relying on the user’s purchase history, return frequency and other data, provide online shopping return insurance; Provide flight delay insurance by analyzing flight dynamics, travel frequency, weather conditions and other data.

  "In the product pricing process, the combination of the Internet of Vehicles, drones, wearable devices and big data technology will help insurance companies better grasp the needs and risks of users and realize ‘ Thousands of people have thousands of faces ’ Dynamic pricing of. For example, in the field of auto insurance, we can rely on Internet big data to achieve accurate &lsquo according to the multi-dimensional factors such as driving mileage, behavior habits and vehicle safety factor of the owner; One car for one price ’ 。” Chen Jin said, "The future of Internet insurance should be personalized, customized and intelligent."

  It is worth noting that while Internet insurance brings convenience to consumers, there are also potential risks.

  The Bank of China Insurance Regulatory Commission recently issued a risk warning that "eye-catching" products may be misleading. Some insurance institutions have launched so-called "eye-catching" products for one-sided pursuit of attention and sales volume, and there are some problems such as nonstandard publicity content, inconsistent or incomplete display of format terms contained in web pages, and unclear exemption clauses, which are suspected of misleading consumers. In addition, some online platforms hide "tying", selling some insurance products by default checking on their ticketing and hotel reservation pages, failing to clearly list the underwriting subject or agent sales subject, and failing to fully disclose relevant important information such as insurance product terms, which infringes on consumers’ rights and interests such as the right to know and the right to choose independently.

  Is it innovation or flicker? It is also necessary to strengthen supervision

  Wang Yonghua, a visiting researcher at the Insurance Center of the Development Research Institute of Fudan University, said that if it is an insurance product, the first thing is insurance. In the name of mutual aid, some institutions are ostensibly insurance, but what they actually do is to raise funds for people. Some "exotic risks" may be controversial in claims because of their special scenes, and insurance companies may also try their best to expand sales, but ignore claims.

  "From the consumer’s point of view, you should not be impulsive before buying, and you should fully understand the product. It should be understood that buying insurance is a way to protect extreme risks, not to make a fortune. Even wealth management products can only provide very limited value-added. " Wang Yonghua said.

  Xia Xuemin, a visiting researcher in institute for public policy, Zhejiang University, believes that Internet insurance has many advantages, such as flexibility, low issuance and sales costs, and many institutions, even those without insurance business qualifications, have started to "scratch the edge" and launched many strange so-called Internet insurance products, and some even directly violated the national regulatory rules on insurance.

  At the beginning of 2017, the relevant departments issued the Guidelines for the Development of Insurance Products of Property Insurance Companies, which for the first time refined the principles and prohibitive provisions for the development of insurance products of property insurance companies, and directed the supervision at property insurance products with hype concepts and gimmicky tendencies in the market, such as "sticker insurance", "love insurance" and "helping the elderly to be wrongly insured".

  Cao Xingquan, a professor at the School of Civil and Commercial Law of Southwest University of Political Science and Law, said that the insurance law stipulates the approval and filing mechanism for product development, and the so-called "innovation" that does not conform to the insurance principle should be controlled by the government through strict implementation.

  Xia Xuemin suggested that blacklists and integrity files of Internet insurance should be established, reporting channels should be opened, and users should be encouraged to actively reflect suspicious institutions and products, and online exposure should be made for unqualified sales of Internet insurance and illegal cross-border agency of Internet insurance products.

The price of gold has reached a new high. Although there is room for growth, gold is not worth long-term investment?

Wind

Recently, the price of gold has continued to hit a record high, and many analysts believe that the price of gold will not stop there, and there is still room for growth. However, from the perspective of asset investment, gold is not the best investment target, and Warren Buffett once held an evasive attitude towards gold.

International precious metal futures closed up sharply, COMEX gold futures rose 1.94% to $2,301/ounce, COMEX silver futures rose 4.71% to $26.255/ounce.

//Why is the price of gold soaring rapidly? //

Some market strategists said that the US core PCE price index did not rise unexpectedly, or further pushed the gold price to a new record high. According to the FedWatch Tool of the Chicago Stock Exchange, the current market price shows that the probability that traders expect the Fed to cut interest rates in June is 69%, which is higher than 64% before the data was released on Friday.

Gong Ming, a researcher of precious metals in jinrui futures, told the Securities Times reporter that "the intensification of geographical conflicts, the expected transfer of interest rate cuts and abundant liquidity are the main driving forces for the strong rise of precious metals prices in this round. Many investors have been puzzled this year, and it seems that the system of real yield of US debt is no longer effective in gold pricing. But in fact, gold is closely related to the global political environment in addition to liquidity at every stage. "

Cao Liulong, chief strategist of Founder Securities, said that the gold price in the Fed’s "interest rate hike" cycle will generally fall, but the gold price in this round of "interest rate hike" cycle continues to rise sharply, which means that the traditional gold analysis framework is invalid. The acceleration of anti-globalization has led to the expansion of the "dollar credit crack", which is the anchor of the recent "arrogance" of gold prices. Gold is the ultimate "scarce asset", and the price center has begun to move up. Once the petrodollar collapses, it will be difficult to rebuild. In the future, there may be an era of "disputes among countries" without a single reserve currency, and gold is expected to open a decade-old bull.

Yang Hong, a senior researcher at Ping An Futures, said that the short-term gold price was mainly boosted by the safe-haven demand and the Fed’s loose expectations. As the gold price rose, the market gradually digested the Fed’s loose expectations, but the geographical risk and the risk of mine explosion in regional banks in the United States still existed, and the gold price would continue to be supported by the safe-haven demand, so it is expected that the gold price will continue to fluctuate strongly in the short term; In the medium and long term, the continuous purchase of gold by global central banks will bring long-term bullish support to the price of gold.

According to the data of the World Gold Council, in February, the People’s Bank of China announced the purchase of gold for the 16th consecutive month, and China’s official gold reserves increased by 12 tons to 2,257 tons. By the end of February, gold accounted for 4.3% of China’s total foreign exchange reserves, which was higher than 3.4% when the People’s Bank of China announced its re-holding of gold in November 2022. In January, the net amount of gold purchased by global central banks rose from 31 tons to 77 tons, up 192% from last December.

//Gold is not worth long-term investment? //

Tim Hayes, chief global investment strategist of Ned Davis Research, wrote in a recent report that although the current economic situation is favorable for the stock market, "it is more optimistic for gold, and we continue to be optimistic about gold".

However, investment experts say that even if the prospects are good, the role of gold in the portfolio should be completely different from that of stocks or bonds. Because the trend of gold is often different from traditional investment, gold may be an appropriate diversified investment method for some investors, but it should not be regarded as the main component of the portfolio.

Different investors hold gold for different reasons. First of all, gold is famous for maintaining or increasing its value in times of inflation. On the other hand, if paper money depreciates sharply, gold is considered as a store of value. After all, gold has been regarded as a natural currency for thousands of years.

It is widely expected that in the so-called "safe haven" market, the rising price of gold will continue, because investors tend to flee from risky stocks such as stocks to places regarded as safe haven assets, including gold and bonds. This means that investors tend to buy more gold before and during recessions and bear markets.

Ford O’Neill, co-portfolio manager of Fidelity Strategic Real Return Fund, said that for this reason, the recent upward trend of gold is a bit strange. He said: "Since October last year, this is by no means an OTC risk that has prompted the price of gold to rise. I think that there has been a’ rebound of everything’, and obviously quite a few assets have performed quite well. "

Ford O’Neill said that in essence, gold is performing well because investors are pushing up the price of almost everything, from stocks to bonds to cryptocurrencies.

Tim Hayes believes that in addition to the upward trend, the weakening of the dollar and the decline in bond interest rates have also boosted the price of gold. He believes that at lower interest rates, bonds and cash accounts are "less competitive" than gold. As the Federal Reserve is expected to cut interest rates this year, the prospect of gold is becoming more and more optimistic. The lower the interest rate, the lower the opportunity cost for investors to hold gold, and gold does not need to pay interest.

//Buffett used to avoid gold//

As we all know, Buffett, the billionaire investor and chairman of Berkshire Hathaway, has always been evasive about gold.

In his letter to shareholders in 2011, Buffett pointed out that investors can use enough surplus funds to buy all farmland in the United States and ExxonMobil more than 16 times. A century later, one of the options will bring rich crops and sufficient dividends. Another option is just a lot of gold.

In the past 15 years, the annualized return of ETF, which tracks the spot price of gold, was 5.5%, while that of Standard & Poor’s 500 Index was 15.3%.

As for fighting inflation, gold doesn’t seem to be a perfect choice. Although inflation has been stable since 1988, gold showed negative returns in 18 years, including 2021 and 2022.

William Bernstein, the author of The Four Pillars of Investing, recently told the media: "When everything else is in trouble, gold is the only thing that can perform well. When you have a fire, family insurance also has a high return. "

But in the long run, assets will grow at a compound rate and bring returns. Buffett wrote in 2011: "It is true that gold has certain industrial and decorative uses, but the demand for these uses is limited and it cannot absorb new production. At the same time, if you hold an ounce of gold for a long time, you will end up with only one ounce of gold. "

Original title: "The price of gold has reached a new high! Although there is room for growth, gold is not worth long-term investment? 》

Read the original text

In the third quarter, the decline in exports narrowed month by month, mainly due to the appearance of long-term policy effects in China.

  The State Council Information Office held a press conference at 10: 00 a.m. in the press room of the State Council Information Office. When introducing the import and export situation in the first three quarters of 2015, Huang Songping, spokesman of the General Administration of Customs, said that the export growth rate continued to decline in the third quarter, but the monthly decline in exports narrowed month by month. Exports increased by 4.8% in the first quarter, and decreased by 3% and 5.6% in the second and third quarters, respectively. However, in the third quarter, the monthly decline in exports narrowed, with decreases of 9.5%, 6.1% and 1.1% in July, August and September respectively. The main reason is that the effects of China’s long-term policies and measures are gradually emerging, and foreign trade enterprises are also actively fulfilling contract agreements, and delivery is relatively concentrated.

More than 200 shares were frequently investigated during the year, and the three major sectors became hot spots. The market outlets were rapidly rotating, and questions and answers in these directions

Cailian News, April 7 (Editor Zilong),Since the beginning of this year, many hot stocks have attracted the attention of institutions frequently. As of April 3, a total of 210 stocks have been investigated by more than 100 institutions during the year, of which 6 stocks have been investigated by more than 500 institutions. In addition, from the perspective of the popularity of investor interaction platform, nearly 95% A shares were questioned by investors during the year, of which 151 shares were asked more than 100 times during the year.

High-research bull stocks combed, and the three major sectors were hot.

According to the statistics of industry sectors (Shenwan Grade 1), the electronic, mechanical equipment and medical biological sectors were frequently investigated by institutions during the year, and the number of investigations was more than 10,000. Power equipment, computers, automobiles, basic chemicals, household appliances, light industry manufacturing, food and beverage were also relatively high in the year, while coal, non-bank finance, real estate, petroleum and petrochemical, and steel were relatively "cold and cheerless". If the number of research stocks is counted, the number of research stocks in the mechanical equipment, electronics, medical biology, power equipment and computer sectors is mostly.

In terms of specific stocks, Central Control Technology, Kede Numerical Control and Huichuan Technology received key attention from institutions during the year, with 781 and 724 institutions respectively, and 620 Huichuan technologies respectively. At the same time, Xiechuang Data, Mindray Medical, Sanhua Zhikong, Gaoce, Lanqi Technology, Eastcore, Zhou Dasheng, Yiheda and other stocks are also in the top. If the weight leader with a total market value exceeding 50 billion yuan is selected, Huichuan Technology, Mindray Medical, Sanhua Zhikong, Lanqi Technology, BOE A and other stocks are frequently investigated during the year.

Investor interaction stocks are sorted out, and the electronic sector is highly concerned.

Recently, the hot spots in the market are rapidly rotating, and many popular concepts frequently set off the market. The market also pays close attention to the preference direction of active funds. In addition to the track frequently investigated by institutions, the investor interaction platform often reflects the popularity of the market for sectors and stocks. According to the specific data, as of April 3, a total of more than 5,100 shares have been questioned by investors, accounting for nearly 95% of the total A shares. Among them, 151 shares asked more than 100 questions during the year, 88 shares responded to more than 100 questions, and 78 shares asked more than 50 questions during the year.

According to industry statistics, among the 151 stocks that have been asked more than 100 times during the year, the number of electronic stocks is the largest, and the number of national defense and military industry, computers, automobiles, medicine and biology, machinery and equipment, and basic chemical stocks is relatively high, while the number of textile and apparel, public utilities, architectural decoration, and social services stocks is relatively small. In terms of specific stocks, Ancai Hi-Tech had the highest total number of questions during the year, with a total of 608 questions. Huafu Fashion, Siweituxin and Jiugang Hongxing all asked more than 400 questions. Guoxingguang Electronics, ZTE, Dazu Laser, Wangfujing and Ganli Pharmaceutical were also hot on the investor platform.

(Cailian Zilong)
Reporting/feedback

The new generation of "Little H9" Hongqi H5 will be pre-sold on May 31

  [Autohome News] Recently, we learned from the official that the new generation of Hongqi H5 will start pre-sale on May 31. The design of the new car has changed a lot compared to the previous generation model, and the overall look is more administrative. At the same time, the official will release a new self-developed hybrid system at the same time, and the first model is expected to be the new generation of Hongqi H5.

Autohome

"Previously exposed real car pictures"

  In terms of appearance, the new car adopts the latest design style of the Hongqi family, with a large-size front grille, and the internal use of the Hongqi family-style straight waterfall elements. With the central Hongqi vertical LOGO and the long and narrow headlights on both sides, the new car looks very atmospheric and stylish. At the same time, the slightly shovel-shaped front lip and the large-size air inlet shape on both sides increase the sense of movement appropriately.

Autohome

"Previously exposed real car pictures"

  From the side of the car, the overall line design is quite simple. A straight upper waist line extends from the front to the rear of the car, and the lower skirt line design is also straight. With the dense spoke bright wheel design, it is full of majesty. At the rear, the new car adopts a through taillight group design and a Y-shaped finish on both sides, which enhances the sporty atmosphere. At the same time, the new car is equipped with a two-sided exhaust layout (which may also be decorative), and chrome-plated elements are added for decoration.

Autohome

"Previously exposed real car pictures"

  In terms of interior design, it is actually different from the previous H9. The new car adopts a vertical central control screen with a row of shortcut buttons under the screen, and the full LCD instrument panel will naturally not be absent. The car is wrapped in a lot of soft materials as much as possible, and the dark red interior shows the distinctive side of the red flag. There is a wide armrest in the center, and a small and delicate electronic gear and electronic handbrake are used.

  In terms of size, the length, width and height of the new car are 4988/1875/1470mm respectively, and the wheelbase is 2920mm. In terms of power, the new car will offer three power versions of 1.5T, 2.0T and 1.5T HEV, with maximum power of 169 horsepower, 224 horsepower and 169 horsepower respectively. (Text/Autohome Zhang Xuelian)

Notice of the Ministry of Civil Affairs and the Ministry of Finance on effectively ensuring the basic livelihood of people in need

Notice of the Ministry of Civil Affairs and the Ministry of Finance on effectively ensuring the basic livelihood of people in need

All provinces, autonomous regions and municipalities directly under the central government, the Civil Affairs Department (bureau) and the Finance Department (bureau), the Civil Affairs Bureau and the Finance Bureau of the cities under separate state planning, and the Civil Affairs Bureau and the Finance Bureau of Xinjiang Production and Construction Corps:

At present, the epidemic situation in COVID-19 is frequent, and a large-scale epidemic situation has occurred in some places, which has affected the lives of people in need. In order to thoroughly implement the spirit of the important instructions of the Supreme Leader General Secretary on epidemic prevention and control and basic livelihood security, fully implement the relevant requirements of the CPC Central Committee and the State Council on solidly stabilizing the economy and improving the social and livelihood security measures, and effectively guarantee the basic livelihood of the people in urban and rural areas, the relevant matters are hereby notified as follows:

First, do a solid job in basic living assistance such as subsistence allowances.

Intensify the implementation of the subsistence allowance system, and timely include families with difficulties in living that meet the subsistence allowance conditions into the subsistence allowance scope. One-time living allowance will be issued for the minimum living allowances and poor people, and one-time temporary relief funds can be issued for people with temporary living difficulties in areas seriously affected by the epidemic. Actively promote the employment of relief workers with working conditions, and give a certain gradual retirement period to families whose income exceeds the minimum living standard due to the employment of family members. Pay close attention to price changes, promptly start the linkage mechanism linking social assistance and security standards with price increases, and pay temporary price subsidies in full and on time.

Two, increase the uninsured unemployed and other difficult people temporary relief efforts.

Strengthen assistance to unemployed people who have no source of income and have not participated in unemployment insurance. In accordance with the requirements of the Notice of the Ministry of Civil Affairs and the Ministry of Finance on Further Improving the Basic Living Security for People in Difficulties (Minfa [2020] No.69), those uninsured unemployed workers, such as migrant workers, who have been unable to return to work due to the epidemic, have no source of income for three consecutive months, have difficulties in living and are not covered by the unemployment insurance policy, are not included in the minimum living security, and upon their own application, they will be given a one-time temporary relief fund from their place of work or their habitual residence to help them tide over their difficulties. We will increase assistance to unemployed college students and other young people who have difficulties in life, and take corresponding measures such as temporary assistance in a timely manner according to the actual situation. For low-income people, destitute people and COVID-19 patients among the poverty-stricken population, and families with temporary difficulties in basic life due to the isolation of family members, temporary assistance will be given directly according to needs. For other families or individuals whose basic lives are affected by the epidemic and are in trouble, the relevant social assistance and security system can’t cover them for the time being, and timely help them through temporary assistance.

Third, strengthen thorough investigation and active discovery

Local civil affairs departments should strengthen the construction of active discovery mechanism, organize and mobilize grassroots cadres, village-level organizations, social assistance assistants, social workers, etc., and comprehensively understand the living conditions of people in difficulty affected by the epidemic in their respective jurisdictions through visits, telephone communication, and WeChat contact, focusing on unemployed people, flexible employees, marginal people with minimal assurance, monitoring objects to prevent poverty, people who do not meet the minimum assurance conditions temporarily but have certain difficulties, and people in difficulty who still lack their own development ability after assistance, and timely discover assistance. Make full use of the dynamic monitoring information platform of low-income population, strengthen information sharing and data comparison and analysis with relevant departments, strengthen monitoring and early warning of low-income population, and timely intervene, accurately rescue and comprehensively help people in need. Further unblock the channels of consultation and help for people in need, such as the social assistance service hotline, strengthen the hotline duty, improve the handling efficiency, and achieve timely acceptance and rapid response.

Four, to further improve the accessibility and timeliness of relief.

All localities should strengthen the connection of the relief work such as subsistence allowances, assistance and support for extremely poor people, and temporary assistance, and make overall use of various relief policies and measures to ensure that all should be guaranteed and all should be saved. Comprehensive consideration of the actual situation of the people affected by the epidemic, the full implementation of the "first aid", "grading approval" and other policies and regulations, reasonable setting of township (street) approval quota, appropriate increase in high-risk areas township (street) reserve fund allocation quota and approval quota, serious epidemic areas can be directly implemented by the community (village) temporary relief. Combined with the actual situation, it is clear about the specific circumstances, standards and time limit of temporary assistance for foreigners who are temporarily in trouble. For people who are in trouble because of the epidemic in non-registered places, temporary assistance will be directly implemented from the place where the emergency occurred. Give full play to the role of the coordination mechanism of the basic living security work of the people in need at the county level, and make overall plans to integrate the relief resources. For those who encounter major living difficulties, the methods of "one case, one discussion" and "one case, one policy" can be adopted to improve the level of relief and solve urgent cases. Simplify and optimize the rescue procedures, actively apply information technology such as "internet plus" and mobile APP, and gradually implement online handling of the whole process of social assistance to reduce crowd gathering, reduce infection risk and improve handling efficiency.

Five, optimize and improve the rescue service mode

All localities should implement classified and differentiated assistance according to the actual needs of the people in need, and make overall use of ways such as distributing goods, cash and providing services to provide accurate assistance. During the period of epidemic prevention and control, we should actively help people in distress to do personal protection and properly solve the problems of dining and accommodation for foreign stranded personnel. Strengthen decentralized support for poor people to visit and care for them, and urge the care service personnel to earnestly fulfill the entrusted care service agreement and take good care of the daily life of the poor people. Encourage and support charitable organizations, volunteers, professional social workers and other social forces to actively participate in social assistance, and provide diversified services such as material donation, life care, psychological counseling and medical care for people in need. Improve and implement policies and measures to support social forces to participate in social assistance, and increase the government’s efforts to purchase services. Encourage and guide charitable organizations to set up social assistance projects, explore the establishment of a "emergency rescue" platform with government guidance and support, industry organization operation and charitable organizations’ participation, and further strengthen the effective connection between government assistance and charitable assistance.

Sixth, strengthen supervision and management

All localities should strengthen supervision and inspection of social assistance work to ensure the implementation of various policies and measures. In strict accordance with the relevant provisions of fund management, further clarify the use of relief funds for people in need, standardize the scope of use and distribution methods, strengthen fund supervision, and strictly prohibit unauthorized expansion of the scope of fund expenditure, and prohibit any form of misappropriation, misappropriation, interception or detention of relief funds to improve the efficiency of fund use. We will comprehensively rectify the problems found in the audit of relief subsidy funds for people in need, carry out in-depth comprehensive management of corruption and work style problems around the people in the field of social assistance, and seriously investigate and deal with violations such as false reporting, interception of private parts, embezzlement and embezzlement of relief funds, and "relationship protection", "human protection" and eating cards. While strengthening internal supervision, we will consciously accept the supervision of discipline inspection and supervision, auditing and other departments, give full play to the role of social supervision, find problems in time and plug loopholes in fund supervision, strengthen risk prevention and control, and ensure the accurate use of funds. Establish and improve the fault-tolerant and error-correcting mechanism to encourage party member cadres to take responsibility.

Seven, strengthen organizational security.

All localities should fully understand the extreme importance and urgency of doing a good job in ensuring the basic livelihood of the people in need, effectively improve their political stance, enhance their awareness of the bottom line, adhere to the people-centered development thinking, focus on the urgent problems of the people in need, and earnestly grasp the bottom line of ensuring the basic livelihood of the people in need. It is necessary to strengthen the guarantee of funds, make overall use of the central financial assistance subsidy funds and local financial arrangements at all levels, and give appropriate tilt to areas with serious epidemics to ensure that funds are issued in full and on time. Strengthen departmental coordination, policy convergence and resource pooling to form a joint rescue force. Strengthen policy propaganda and improve people’s awareness of aid policies. The implementation of social assistance policies in various places will be included in the performance evaluation of basic living assistance for people in need in 2022.

Ministry of Civil Affairs and Ministry of Finance
June 2, 2022

"Joessi, a poor student" exposed the director’s special feature rebellious girl to perform youth comedy

1905 movie network news Starring by the newcomer Lin Xinyi, Bai Kainan, Laixi, Heimei, Liao Weiwei, Li Libei and other powerful actors joined in. Recently, the filmmaker released a special feature of "Sincere Edition", and Li Kelong, the director in front of the camera, sincerely shared the behind-the-scenes footage of this film.

 

The director’s special edition of "Poor Student Joessi" exposed that Qiao Xi’s original model was based on real people.

Li Kelong, the director of the film Joessi, entered the film industry in 1998. So far, he has made more than 40 films, such as Flower Mantra, Pandora’s Sword, Bad Daughter and The Demon of S4. His masterpieces "Inverse Life" and "Oscar of Lao Wu" won the Fine Film Awards of the State Administration of Radio, Film and Television in 2018 and 2009 respectively; Young Chess King was nominated for the best children’s film in the 16th China Watch Award, the 24th Golden Rooster and Hundred Flowers Film Festival and Beijing International Youth Film Festival. "Bad Daughter" won the Best Film Award at the 3rd Golden Net Awards Film Festival, and Liao Weiwei, one of the heroines of "Joessi, an underachiever", won the Best Actress Award for this film.

In the "Sincere Edition" director special feature exposed this time, Li Kelong, who is both a director and a screenwriter, admitted that the original intention of Joessi, a poor student, came from his own experience. "At that time, as a poor student in the class, I met a good teacher when I was about to give up my studies. Under his guidance and education, I didn’t become a loser, but I became today’s director Li Kelong."

When talking about the role prototype of "Joessi", Li Kelong said, "Creation is the reference of characters, and Joessi comes from the rebellious girls around him at school". At the same time, the director sincerely appeals that "even poor students and rebellious students will have a good future as long as they are well guided, and don’t give them up easily. This is also the original intention and purpose of our story."

 

Lin Xinyi’s perfect interpretation of rebellious students was praised by the director. Joessi, a poor student, showed a panoramic picture of youth after 00.


Lin Xinyi, the heroine of the film "Joessi, an underachiever", was finally chosen by the director, which can be described as one in a million. Lin Xinyi’s spirituality among the post-00 actors is appreciated by everyone.

The director said, "At first, these 16-and 17-year-old children were chosen, and their lack of performance experience was very worrying. In particular, some scenes were too difficult for them to perform, but by telling them about the drama and mobilizing their emotions, they finally completed the performance task very well." It is reported that in addition to a large number of young actors born after 00 in the film, the joining of many powerful actors, such as Laixi, Heimei and Bai Kainan, also adds a lot of color to the performance effect of the film. Their roles as parents, teachers, directors, etc. also show the picture of youth after 00 from different dimensions in a three-dimensional and comprehensive way, which makes the story of Joessi, a poor student, closer to the learning life of high school students.

The film Joessi, an underachiever, tells the story of Joessi, a rebellious girl in high school. With the correct encouragement and guidance of her teacher, she regained her dream and finally turned herself into a youthful comedy, studying hard and being positive. The film will land in national theaters on January 18, 2019.


Why is the 57-year edition of The Romance of the Three Kingdoms so precious? Fortunately, it’s back in the world.

        The comic book Romance of the Three Kingdoms was born in 1950s, and the hot picture book is the memory of a generation. But at present, the 1957 edition is rare. Fortunately, recently, Shanghai People’s Fine Arts Publishing House released the 1957 edition of Romance of the Three Kingdoms.

Romance of the Three Kingdoms comic bookfront coverThe picture on the left shows the first edition in 1957 and the picture on the right shows the second edition.

The inside page of The Romance of the Three Kingdoms is the first edition in 1957 on the left and the second edition on the right.

        The comic book Romance of the Three Kingdoms was born in the 1950s. You lend me picture books, and I lend you picture books. From renting book stands on the street to the library, the intricate character stories such as "Peach Blossom", "Changbanpo" and "Anti-Western Cool" have been passed down from generation to generation. Since the publication of The Romance of the Three Kingdoms, there have been several revisions, among which the first edition to the second edition has changed the most.

        The reason why the 1957 edition of The Romance of the Three Kingdoms is so touching is that in the historical background shortly after liberation at that time, more than 30 painters such as Cheng Shifa, Liu Danzhai, Liu Xiyong, Zhao Sandao, Chen Guangyi and Xu Zhengping were concentrated in the creation of The Romance of the Three Kingdoms, all of whom were famous masters of Chinese painting and masters of comic books in Shanghai. Mr. He Tianjian, a master of Chinese painting, wrote the title of each book, and the bright red shape on one side of each comic book was different. All of them are from the hands of seal engravers such as Mr. Bing, etc. These factors make the 1957 edition of The Romance of the Three Kingdoms, which includes 6941 pictures and 60 volumes, an insurmountable monument.

       However, in the second edition of 1963, all the idealistic things in the adapted Romance of the Three Kingdoms were eliminated, and Zhuge Liang’s dedication was even more prominent. Originally, the cover of Wu Zhangyuan, which was invented by Zhuge Liang without an engine, was changed to a group portrait of Zhuge Liang and others to emphasize Zhuge Liang’s wisdom and weaken Zhuge Liang’s ". After the second edition, the first edition in 1957 disappeared. Since then, there have been two revisions and five editions. At present, the 1957 edition is rare, and a complete collection has become a "rare treasure".

The picture on the left shows the first edition in 1957, with 60 quarts; The picture on the right shows the later revised version, with 64 pages. Because the format is different, the revised edition treats the pictures "across the board".

The picture on the left shows the first edition in 1957, with 60 quarts; The picture on the right shows the later revised version, with 64 pages. Because the format is different, the revised edition treats the pictures "across the board".

        Recently, Shanghai People’s Fine Arts Publishing House concentrated on the original 1957 edition of The Romance of the Three Kingdoms, which was reorganized and published, so that this monumental work, which had been retired for a long time, reappeared in its original appearance. At present, there are still many doubts about the survival and development of comic books, which is tantamount to a song of memories of the glorious past of comic books.

        Chen Yuanshan, the editor who presided over the reprint of this set of books, told the reporter of The Paper (www.thepaper.cn): "We have carefully organized the repair of the missing drawings caused by historical reasons to restore the handwriting. In view of the improper complexity and mixed use of the original book, which is a standardized text, this unification is changed to simplified. Our purpose is to organize, not simply copy. "

        Wen Zeyuan, president of Shanghai People’s Fine Arts Publishing House, believes that there is still hope for the future of comic books: "In a literary word, in the past, we talked about literature from generation to generation, saying that Chu Ci, Han Fu, Tang Poetry and Song Poetry, and Yuan Qu novels. Comic books had the glory of that year, and we have to admit this reality. This art form can’t win the world, and it has changed to some extent. Then we also have to admit another reality. For example, the appearance of Song Ci can’t hide the brilliance of Tang poetry. Now that you say that the picture book has come out, it can’t erase the artistic value of comic books. But you can’t deny that comic books can’t make all the children say,’ Now we don’t read picture books, so we read comic books.’ "

        Wen Zeyuan admits that reprinting the 57th edition of The Romance of The Three Kingdoms is a need of collection in a more sense: "In fact, reprinting the old things is also in response to everyone’s needs, and some comic book lovers like the old ones, so there are nearly 100 kinds of comic books in our People’s Fine Arts Publishing House every year, which should be reprinted continuously every year. If you want to publish a new one, no matter whether it is good or bad, buyers will not buy it because they want to collect the old one, which is the need of collection. "

Due to an oversight, there were some mistakes and omissions in the 1957 edition. In this version, it has been corrected.

The "14th Five-Year Plan" for Digital Economy was issued, and Qi Xin Group’s government and enterprise services boosted industrial digitalization.

On January 12th, the State Council issued the "14th Five-Year Plan for the Development of Digital Economy" (hereinafter referred to as the "Plan"), which defined the development direction of digital economy in the next five years. The "Planning" proposes that by 2025, the digital economy will move towards a comprehensive expansion period, and the added value of the core industries of the digital economy will account for 10% of GDP, and the competitiveness and influence of China’s digital economy will increase steadily.

The Plan makes overall arrangements for the development of digital economy from all aspects, including optimizing and upgrading digital infrastructure, vigorously promoting industrial digital transformation, accelerating digital industrialization, continuously improving the digital level of public services, and improving the digital economy governance system. With the digital economy entering the national policy dividend period, digital infrastructure and digital service-related industries, such as Internet communication, software and information services, and e-commerce that support and serve the industrial transformation, will usher in rare development opportunities, and the platform for digital services of government and enterprises and related enterprises have great development potential.

The digitalization of the industry is speeding up, and the enterprise service platform is accumulating.

According to the 2021 Industrial Internet Development Report of Billion Think Tank, the main battlefield of China’s industrial digitalization is the industrial chain supply chain, and the digitalization of procurement supply chain has become an important starting point for the digital transformation of government and enterprises. Billion think tank "Digital Procurement Development Report 2021" points out that in 2020, the procurement market of non-productive materials such as office supplies, MRO, production accessories and employee benefits in China will reach 10 trillion, and many professional service providers in vertical fields will grow into new forces in digital procurement track. Qi Xin Group, which has been deeply involved in government and enterprise services for 30 years, is one of the representative enterprises.

Qi Xin Group is a leading enterprise in B2B office materials service and SaaS cloud video in China. As early as 2013, Qi Xin Group joined hands with IBM to launch the SAP system, first launched the digital transformation of the bureau, and gradually built an integrated digital platform with business characteristics. Under the background of the development of "sunshine procurement", Qi Xin Group has developed an online centralized procurement mode for office administrative materials, industrial products, enterprise welfare, marketing materials and other materials, and has helped many government and enterprise digital procurement reforms with the comprehensive capabilities of digital platform, commodity supply chain and warehousing delivery.

Driven by the digital economy and the epidemic, the cloud video industry has developed rapidly. Haoshitong, a brand of cloud video conferencing under Qi Xin Group, is one of the early enterprises that entered the cloud video conferencing industry in China. It has accumulated more than 200 intellectual property rights and technologies such as large concurrency and stable QOS transmission technology, and is a rare manufacturer with "AVC and SVC mixed dual engines" in the industry. In recent years, Haoshitong has also introduced the industry-leading cloud video core technologies with completely independent intellectual property rights, such as Super SVC, Nightingale and Linxi algorithm, and created a fully localized one-stop solution, gradually forming a competitive barrier for the development of cloud video segmentation business, which can provide perfect protection for the information construction of various industries.

"B2B+ Cloud Video" develops synergistically, and Qi Xin Group helps digital transformation of key industries.

According to the third quarterly report of Qi Xin Group in 2021, Qi Xin Group achieved an operating income of 6.843 billion yuan from January to September 2021, a year-on-year increase of 12.27%. Under the change of market environment, Qi Xin Group firmly develops its digital business, focusing on B2B and cloud video services, and its overall operation maintains steady development.

In 2021, Qi Xin Group won the bid for major contract customers and its business reserves continued to increase, winning the bid for important projects such as State Grid, China Agricultural Bank multi-provincial branches, China Post multi-provincial branches, China Hangfa, China Huadian Group, China Tobacco Heilongjiang Company and Shaanxi Yanchang Petroleum Materials Group. The order scale of the company’s reserve has grown steadily, and the proportion of B2B large customers such as energy industry, financial industry, political mining industry and other industries continues to lead. The customers of several major industries that Qi Xin Group focuses on are the seven key industries such as industry, commerce, finance and energy mentioned in the Plan to comprehensively deepen digital transformation.

As the head enterprise of SaaS cloud video industry, Haoshitong also accelerated its layout in 2021. In terms of hardware, Haoshitong released a brand-new PaaS video cloud platform, PX800 intelligent cloud video all-in-one machine, X6 "Zhihui" large-screen terminal and other new products to meet the needs of different scenarios. Through the capabilities of video cloud platform and intelligent terminal full-scene scheme, and the audio and video core technical capabilities of independent intellectual property rights, Haoshitong, as an audio and video technology provider, helped the Guangdong Provincial People’s Government to build a Guangdong video conference platform, and accumulated rich experience in digital government construction. This year, Haoshitong also received tens of millions of strategic financing from Gejin No.3 Equity Investment Fund, a self-management fund of Gree Gold Investment under Gree Group.

From years of deep cultivation to deep layout, the integration effect of Qi Xin Group’s enterprise service platform has been highlighted, and the enterprise-level multi-scenario service capability has been further improved. Under the tide of digital economy, enterprise digitalization has been raised to the height of national strategy, and it is necessary for enterprises to access digital ecology by platform. At present, there is no real giant on the track focused by Qi Xin Group. As a bridge between enterprises and digital supply chain, Qi Xin digital multi-scene operation and maintenance material service platform has great imagination for future development.

It is understood that in 2021, Qi Xin Group officially released a five-year strategy, which will build two "brand moats" with the enterprise service platform as the core–establishing core competition barriers through brand new stationery and brand cloud video; At the same time, relying on the high value-added commodity supply chain system and the continuously upgraded digital platform base, we will escort the new strategic goals. One of its strategic goals is to become the first in digital procurement and service of government and enterprises in China within five years.

Source: Consumer Daily Network

Reporting/feedback

The supporting market has changed little! Investigation of Jinhu Tire Model (1)

  [Preliminary sea election] It is reasonable to say that with the continuous improvement of living standards, our life should be more and more secure, but think about the four major aspects of life, except for clothing, which makes people feel more at ease, the other three have not made people worry in recent years. First of all, "eating" is very dangerous. From Sudan red and melamine in the early years to the recent swelling agent and clenbuterol, the chemical level of Chinese people has surpassed that of Europe and the United States at the dinner table; And "live" should also be careful enough, the building is crooked and brittle, which can make your life savings disappear in an instant; "Traveling" is also not easy. Traveling far away is because the plane is late, the high-speed rail breaks down, and you have to be careful about OTIS when you take the subway to and from work. In the end, you can only choose to drive. You have to check your four wheels first. If "KUMHO" is printed on it, you have to determine whether it is made in tianjin.

Home of the car

  It’s really emotional to forgive such a big bend, because almost everything happens around me. We must pay attention to the problem of tires. As the only accessory that touches the ground, its performance and safety have no less influence on the whole vehicle than the engine or. And inferior tires will have serious problems such as bulging and even puncture, which is a direct threat to our lives. The purpose of this paper is to investigate what brands and models of tires are used by the main models of the three automobile manufacturers (Beijing, yueda) that were recalled because of the quality problems of Jinhu tires. I hope everyone will love life and stay away from inferior tires.

The whole story of "Jinhu Tire Door" incident;  

  March 15th, 2011: At the CCTV "March 15th" party, the video revealed that the raw materials of Jinhu tire were adulterated, and the recycled rubber was used instead of the original rubber, which seriously affected the quality of the tire and brought security risks to the cars using its brand tires.

  March 16th, 2011: China Quality Certification Center suspended 13 3C certification certificates for Jinhu tire products and ordered related products not to be sold in the factory. On the same day, Jinhu Tire issued a statement saying that it is inaccurate to judge the illegal operation of Jinhu Tire simply by adding the number of different rubber compounds in CCTV video.  

  March 21, 2011: Li Hanxie, the chairman of Jinhu Tire (China) Company, bowed to the national audience on the CCTV Economic Channel’s "Consumer Proposition" program and issued an apology statement. He said that the company will determine to apply for recalling all the faulty tires in the shortest time. (Click for details)

  April 1st, 2011: Jinhu Tire (China) Company decided to recall some tire products produced from 2008 to 2011, totaling more than 300,000 pieces, from April 15th. At the same time, tires produced in China after March 2008 will be tested free of charge for six months, and tires that meet the replacement scope and requirements can be replaced free of charge. (Click for details)

  May 17, 2011: Li Hanxie, chairman of Jinhu Tire China, publicly stated that there was no quality problem in the recalled and replaced tires of Jinhu Tire, and Jinhu Tire had a recall without any product quality problem. He also called on the tire industry to issue unified industry standards as soon as possible. (Click for details)

How many tires need to be recalled and which brands are involved?

  Entrusted by Beijing Hyundai Motor Co., Ltd., Great Wall Motor Co., Ltd., Dongfeng yueda Kia Motors Co., Ltd. and Jinhu Tire (Tianjin) Co., Ltd., Jinhu Tire (China) Co., Ltd. submitted a recall report to the General Administration of Quality Supervision, Inspection and Quarantine in accordance with the requirements of the Regulations on the Recall of Defective Automobile Products, and decided that from April 15, 2011, Recall Kumho tire products with batch numbers C0 2208 and C0 4008 produced in 2008, C0 0509 and C0 0909 produced in 2009, C0 2410 and C0 2910 produced in 2010 and C0 0111 produced in 2011, involving quantities.A total of 302,673 articles.

  Involving 3 brands and 12 models:

  Beijing modernCompany recall63,588 vehiclesCars, the scope of recall is part of the cars,,,,,, Mingyu and I30 produced between June 4, 2008 and January 13, 2011. 

  Dongfeng Yueda KIAThe company recalled some 2008/2009 cars, involving6,419 vehicles, and788 vehicles2011 model ruiou sedan.

  Great Wall MotorThe company recalled some cars and cars produced between October 30, 2008 and January 28, 2011.4,685 vehicles.

How can I tell if my tires are produced by Jinhu Tianjin Factory?

  Step 1: Determine the tire brand. KUMHO tire is spelled "Kumho", and if your tire sidewall has this spelling, it is Kumho tire.

  Step 2: Determine the factory code. A string of characters starting with DOT was found on the sidewall of the tire. The two letters after DOT directly reflect the tire manufacturer, CO stands for Jinhu Tianjin factory, and 4T and FE stand for Nanjing and Changchun respectively. C0 (Tianjin), 4T (Nanjing) and FE (Changchun).

Implementation scheme of free comprehensive testing service(Click for details)

  Three conditions: 1. Car tires produced by Jinhu Tire in China.

  2. Products after March 2008 and DOT0808.

  3. Products with residual pattern depth above 1.6 mm.


  The three companies most affected by this incident are Beijing Hyundai, Dongfeng yueda Kia and Great Wall, which are also the only automobile manufacturers participating in this product recall. Therefore, in the first article of the survey, we will first investigate the tires used in the best-selling models of these three manufacturers. The "used tires" below represent the tires used by this model before the Kumho tire gate incident, while the "currently used tires" are derived from the results of this investigation.

● Beijing Hyundai

 ◆ Rena (tire recalled model)

  Used tire: Kumho SOLUS KH25

Hyundai Beijing Hyundai Rena 2010 1.4 GS AT Comfort Type

  Currently used tires: Nexen CP661a, Jinhu SOLUS KH25.

Hyundai Beijing Hyundai Rena 2011 hatchback 1.4L GL MT

This tire was produced in the 27th week of 2011.

  After Kumho’s "Tire Gate", Beijing Hyundai is no longer completely dependent on Kumho and Han Tai, two brothers of its own. Of course, the good water will not flow to outsiders. For example, I photographed a low-profile Rena model equipped with Nexen tires last weekend, and learned from the factory that the future Rena will also be jointly undertaken by Nexen’s CP661a and Jinhu SOLUS KH25.

About Nexen tires: Nexen tire may not be familiar to you, but from my tips above, I think you can guess that it is also a brand from South Korea. Nexen Tire entered China in 2006. This brand, founded in 1942, has now occupied more than 25% of the Korean market and become the main rival of Kumho and Han Tai. If you want to know more about tire brands, you can browse our tire manufacturer introduction article (click here).

 ◆ Elantra (tire recalled model)

  Used tires: Kumho SOLUS KH25 (Tianjin) and Han Tai OPTIMO H426.

Hyundai Beijing Hyundai Elantra 2010 1.6 GLS AT Hyundai Beijing Hyundai Elantra 2011 1.6 manual luxury model

  "Kumho Solus KH25" and "Han Tai OPTIMO H426 (auto show)"

  Currently used tires: Jinhu SOLUS KH25 (Nanjing) and Han Tai OPTIMO H426.

Hyundai Beijing Hyundai Elantra 2011 1.6 manual luxury model

"This tire was produced in the 18th week of 2011"

Hyundai Beijing Hyundai Elantra 2011 1.6 manual luxury model

  Although the hub style of Elantra in 2011 has changed a lot, the tires are still SOLUS KH25 from Kumho and OPTIMO H426 series from Han Tai. Of course, the Kumho SOLUS KH25 used in the current model has been changed from Tianjin production to Nanjing factory production, and we can see that the code of the tire production factory has been changed from C0 (Tianjin) to 4T (Nanjing).