Cctv newsThe mechanized phalanx of this year’s Red Square parade consists of 216 sets of equipment, and it takes 15 minutes to pass on the Red Square. The Russian media also revealed a number of weapons and equipment that made their debut.

　　　　　　 Among them, the "Typhoon -VDV" wheeled airborne armored vehicle made its debut. For confidentiality reasons, the doors of the armored vehicle are closed and there is no external display inside.

　　　　　　 The latest "Kurgan -25" infantry fighting vehicle also caused heated discussion among military fans. According to Russian media reports, the "Kurgan -25" infantry fighting vehicle is actually equipped with combat robots. Soldiers only need to select a target with a joystick, and the rest is done by an automatic device, which will track and destroy the target. Computers can control not only machine guns, but also artillery and anti-tank missile systems.

　　　　　　 Russia’s new version of the "Armor" air defense artillery system also appeared in the military parade. "Armor — SM "air defense system is a new generation of short-range air defense weapon system developed by Russia. "Armor — SM "has shown a good strike effect on ultra-small targets, which can destroy air weapons with a distance of 20 kilometers, a height of 15 kilometers and a speed of less than 1300 meters per second. Russian media said that the "standard" series of missiles are also the targets of the "Armor -SM" air defense system.

　　　　　　 On the military parade, a close-up shot from the barrel into the tank was impressive. Russian media said that the T-90M, the most modern tank in Russian service, appeared in the Red Square military parade. Sputnik news agency & radio disclosed in March that the improved T-90M tank will be delivered to the troops this year. The latest technology is still largely confidential.

　　　　　　 The predecessor of TOS system is the familiar Katyusha rocket launcher. On the military parade, there are 13 heavy fire-breathing equipment passing through Red Square.

　　　　　　 In addition, the "Jarls" intercontinental ballistic missile, as the final equipment in the military parade, has attracted the attention of the whole world. As the most modern Russian strategic weapon system, the "Jarls" intercontinental ballistic missile can strike multiple targets at one time, with a range of 12,000 kilometers. "Jarls" can be launched in two ways: shaft and mobile, and can carry several guided warheads, and is equipped with new equipment to overcome anti-missile defense. The Russian side claimed that the "Jarls" intercontinental ballistic missile could not be breached from the launch to the target. At present, the "Jarls" strategic missile complex has become the basis of the ground cluster of Russian trinity nuclear forces. According to the Russian Red Star TV station, by the end of 2019, the Russian modern missile weapon system will account for 76%, and by 2024, the equipment will be completely updated.

　　Sino-Singapore Jingwei client February 12 (Wan Keyi) The employment problem is related to economic development and social stability. In the "six stability" work repeatedly emphasized by the government, "stable employment" is also placed in the first place. Under the epidemic situation, 31 provinces have taken many measures recently, and they have made efforts in "stabilizing employment".

　　Increase the return of unemployment insurance.

　　On February 5, the Ministry of Human Resources and Social Security, the Ministry of Finance and other five departments issued a notice on doing a good job in employment during the epidemic prevention and control period, clearly increasing the return of unemployment insurance and appropriately relaxing the standards. Co-ordinate the use of special incentive funds for structural adjustment of industrial enterprises to support eligible enterprises affected by the epidemic to stabilize their posts and ensure basic living expenses. At the local level, increasing the return of unemployment insurance has also become one of the main means for local governments to stabilize employment.

　　Taking Zhejiang Province as an example, the relevant opinions were issued on February 10, clarifying that insured enterprises that did not lay off employees or laid off fewer employees could return 50% of the unemployment insurance premiums actually paid in the previous year; For the insured enterprises affected by the epidemic, according to the different situations of enterprises, each place can return 1-mdash; For social insurance premiums ranging from 3 months, the monthly return standard is determined according to the social insurance premiums paid by enterprises and their employees in December 2019.

　　Beijing stipulates that for small and medium-sized micro-insured enterprises that are greatly affected by the epidemic, face temporary production and operation difficulties and are expected to recover, and insist on not laying off employees or reducing layoffs, the unemployment insurance premium can be returned according to the monthly per capita unemployment insurance premium standard and the number of insured employees in the previous year for six months. During the epidemic period, for small and medium-sized enterprises that meet the functional orientation and industrial development direction of the capital, as of the end of April, if the average number of employees in the enterprise is equal to or increases by less than 20% (excluding) compared with the average number of employees in the previous year, the enterprise shall be given a one-time subsidy of 30% of social insurance premiums for 3 months; By the end of April, if the average number of employees in an enterprise has increased by 20% or more compared with the average number of employees in the previous year, the enterprise shall be given a one-time subsidy of 50% of the social insurance premium payable for 3 months.

　　Shanxi also proposed that 50% of the unemployment insurance premium actually paid in the previous year could be returned to the insured enterprises that did not lay off employees or laid off fewer employees. For the insured enterprises facing temporary difficulties in production and operation, which are expected to recover, and insist on not laying off employees or laying off fewer employees, the return standard can be determined according to the local monthly average unemployment insurance standard of 6 months and the annual average number of insured employees, and the policy implementation period shall be implemented in accordance with state regulations.

　　He Dexiao, deputy director of the Shanxi Provincial Department of Human Resources and Social Security, said that the first measure in Shanxi is a high standard: according to the local monthly per capita unemployment insurance standard of six months and the annual average number of employees participating in the insurance, for the same enterprise, it is more than 10 times the amount of ordinary payment. Second, the conditions are wide: as long as enterprises participate in unemployment insurance and pay in full for more than 12 months, they can apply for policy dividends if they insist on not laying off employees or laying off fewer employees, and relax the layoff rate standard from no higher than the registered unemployment rate control target of Shanxi cities and towns in 2019 of 4.2% to no higher than the unemployment rate control target of the national urban survey in 2019 of 5.5%. Third, the tilt is large: the key materials production enterprises for epidemic prevention and control determined by the Shanxi provincial government can apply for emergency and stable return of enterprises in difficulty if they have participated in unemployment insurance for more than 12 months; For enterprises with less than 30 employees (inclusive), the layoff rate will be relaxed to no more than 20% of the total number of employees.

　　In addition, Henan, Hubei, Guizhou, Shaanxi, Guangxi, Qinghai and other provinces have also proposed that enterprises that have difficulties in production and operation due to the impact of the epidemic can stabilize their jobs by adjusting their salaries, rotating jobs and shortening working hours through consultation with employees, and try not to lay off employees or reduce them. Eligible enterprises can enjoy stable post subsidies according to regulations.

　　Reduce the unemployment insurance payment rate in stages.

　　In addition to returning the unemployment insurance premium, the client of Zhongxin Jingwei noticed that some provinces are still making a fuss about adjusting the unemployment insurance premium rate.

　　Among them, Tianjin has recently made it clear that the unemployment insurance premium rate in this city will be reduced in stages, with the unit rate and individual employee rate both being 0.5%, which will be implemented until July 31, 2021.

　　Photo by Xin Jingwei Xiong Jiali in the data map

　　Guangdong has also introduced measures to continue to implement the policy of reducing unemployment insurance rates and industrial injury insurance rates in stages.

　　Ge Guoxing, deputy director of the Guangdong Provincial Department of Human Resources and Social Security, introduced at the press conference held on the 7th that at present, the average rate of unemployment insurance in Guangdong Province is 0.64%, of which the average rate of employers is 0.44% and the personal rate is 0.2%, which is the lowest in the country. "From 2020, we will continue to implement the policy of reducing unemployment insurance rates. According to calculations, it can reduce the burden on employers in Guangdong Province by about 12.5 billion yuan." Ge Guoxing also said that in 2020, Guangdong Province will continue to implement the policy of reducing the rate of work-related injury insurance in stages, which is expected to reduce the payment of work-related injury insurance for enterprises in Guangdong Province by 3.6 billion yuan.

　　Develop public welfare special posts and encourage employment nearby.

　　In order to actively respond to the epidemic situation in COVID-19, migrant workers, poor laborers and other groups are encouraged to find jobs locally or nearby.

　　Among them, Liaoning recently proposed that after the Spring Festival holiday, efforts should be made to provide better online employment information services for migrant workers, encourage and guide migrant workers to pay close attention to online recruitment information, find jobs locally and nearby, and try to avoid epidemic-prone areas for the time being. Do a good job in the communication and consultation of migrant workers’ groups who are delayed to return to their units. If they cannot negotiate and produce labor disputes, they can file an arbitration with the labor and personnel dispute arbitration institution after the outbreak is lifted.

　　Jilin has also launched a series of targeted measures, including: according to the change of epidemic situation, actively developing some temporary special poverty alleviation posts in counties, giving priority to the employment of poor people who can not return to their posts temporarily; We will arrange 5,000 special posts for public welfare, and give temporary resettlement to poor laborers and groups with employment difficulties who cannot go out to work due to the epidemic for three to six months to ensure that zero-employment families are dynamically cleared.

　　Hunan said that it will actively guide returning migrant workers in areas with high epidemic rates to delay their return to the city or find jobs nearby in combination with the special service activities of "Xiang Rong Xiang Ai" for migrant workers.

　　Zhang Chenggang, executive director of the Research Center for New Employment Patterns in China, capital university of economics and business, said that due to the epidemic, some enterprises, especially small and medium-sized enterprises, may have some jobs reduced. According to the actual situation, various localities have introduced targeted measures to increase support for small and medium-sized enterprises, encourage enterprises and workers to tide over the difficulties together, and ensure the basic livelihood of workers, which will help maintain the overall stability of the employment situation.

　　The fundamentals of overall employment stability have not changed.

　　How much impact will the COVID-19 epidemic have on the employment situation in China? In this regard, the answer given by Zhang Ying, director of the Employment Promotion Department of the Ministry of Human Resources and Social Security, is that the fundamentals of the overall stability of the employment situation have not changed.

　　In the data map, Xin Jingwei, Dong Xiangyi, photo

　　Zhang Ying introduced at the press conference of the State Council Office held on the 11th that after the outbreak, there have been some changes in the labor market. After the time for enterprises to start and return to work was delayed and the time for labor to return to work was wrong, Hubei and other areas with severe epidemic, tourism, catering and other service industries and some small and medium-sized enterprises also reported increased pressure on job stability. At the same time, the industries and enterprises related to the epidemic situation are obviously short of work, and some recruitment and job hunting activities are temporarily postponed.

　　Zhang Ying pointed out that with the relief of the epidemic and the final victory, enterprises will speed up the resumption of work and production, the consumption and investment accumulated in the early stage will continue to be released, and the demand of the labor market will expand simultaneously. The fundamentals of China’s long-term economic improvement and the overall stability of the employment situation have not changed. She stressed that the relevant departments will go all out and take multiple measures to actively help willing workers find jobs and start businesses, and strive to maintain the overall stability of the employment situation.

　　According to Du Yang, deputy director of the Institute of Population and Labor Economics of China Academy of Social Sciences, the impact of this epidemic will not be longer than that of the SARS epidemic in 2003. After the epidemic is over, economic activities will resume quickly, and there will be no obvious impact on the new employment target for the whole year. (Zhongxin Jingwei APP)

　　Chongqing Haier Dishwasher Interconnected Factory production site. Xinhua News Agency reporter Wang Quanchao photo

　　From going abroad to snap up rice cookers and toilet lids to the upsurge of national consumption … … Since the 18th National Congress of the Communist Party of China, China’s consumer goods industry has gone all out to increase varieties, improve quality and create brands. The industrial scale and comprehensive strength have been significantly enhanced, the quality and level of supply have been continuously improved, and the quality satisfaction and brand recognition have been steadily improved, which has made an important contribution to continuously meeting the people’s growing needs for a better life.

　　Industrial strength has been significantly enhanced.

　　On September 27th, PICO, a smart wearable device brand owned by ByteDance, released a new VR (Virtual Reality) all-in-one machine in China, which is only equivalent to a can of cola without straps and batteries. The brand-new product experience and content ecology are expected to open the road of VR popularization in China. According to IDC, an international data organization, in the second quarter of this year, PICO ranked among the best in the global VR head-mounted display shipments, and PICO’s goal is to become a leading world-class XR (Extended Reality) platform. IDC data also shows that in the first half of this year, the retail sales of VR market in China exceeded 800 million yuan, up 81% year-on-year.

　　This is a microcosm of the remarkable enhancement of the comprehensive strength of China’s consumer goods industry. Consumer goods industry is the most direct and closely integrated industry with people’s lives. It is a traditional advantage industry and an important livelihood industry in China, covering all aspects of people’s food, clothing, housing and transportation, education, medical care and health care. Consumer goods industry is also an important part of China’s manufacturing industry, with industrial added value, industrial profit and export delivery value accounting for about a quarter of all industries, and the number of enterprises and employees accounting for nearly 40% of all industries. In the past 10 years, the industrial scale of many consumer goods industry segments has grown rapidly and ranked first in the world.

　　According to He Yaqiong, director of the Consumer Goods Industry Department of the Ministry of Industry and Information Technology, in the past 10 years, the number of enterprises above designated size in China’s consumer goods industry has increased by 23.7%, reaching 172,000, accounting for 38.5% of the national industry; The added value of industry accounts for 27.9% of the national industry, and the operating income and industry profit have increased by 35% and 64.5% respectively in the past 10 years. According to the regulations, the number of employees in enterprises is about 27 million, the level of intelligent development has been significantly improved, and the stability and overall competitiveness of the industrial chain supply chain have been continuously enhanced. There are 150 consumer goods enterprises with a scale of 10 billion yuan in China, and the export of light industry and textiles accounts for more than 30% of the world.

　　From the perspective of subdivision, China’s position as a light industry power has been continuously consolidated. In 2021, the added value of young industries accounted for 16.9% of the national industrial added value, and exports exceeded 900 billion US dollars; The number of enterprises above designated size increased from 96,000 in 2012 to 116,000, the operating income increased from 17.6 trillion yuan to 22.4 trillion yuan, and the total profit increased from 1.1 trillion yuan to 1.4 trillion yuan; 290 light industry characteristic regions and industrial clusters have been formed, distributed in 24 provinces, accounting for 40% of the total industrial output value of enterprises above the scale of light industry, and have become the pillars of regional economy.

　　China is also the world’s largest producer, exporter and consumer of textiles and clothing. In 2021, the fiber processing volume of industrial textiles was 19.35 million tons, nearly double that of 2012, accounting for one-third of the total fiber processing volume.

　　Food industry accelerates high-quality development. In 2021, the operating income of enterprises above designated size in the food industry increased from 8.1 trillion yuan in 2012 to 9.1 trillion yuan, and the annual operating income of a number of key food production enterprises exceeded 100 billion yuan. COFCO ranked among the top five grain merchants in the world, and the leading food enterprises continued to grow and develop.

　　The supply guarantee capacity of the pharmaceutical industry has been significantly improved. In 2021, the added value of the pharmaceutical industry accounted for 4.1% of the total industry; The operating income was 3.4 trillion yuan, an increase of 80.8% compared with 2012.

　　Supply quality continues to improve.

　　Once upon a time, going abroad to buy home appliances became a craze. Nowadays, domestic household appliances are leading the consumption upgrade with innovation. Fang Tai’s latest dishwasher adopts an original new generation of dishwashing technology — — High-energy bubble washing has achieved breakthroughs in five aspects: water flow speed, impact area, stubborn stains peeling, lower energy consumption and sterilization and pesticide residue removal effect; Jiuyang’s latest rice cooker is the industry’s first zero-coating rice cooker, which adopts stainless steel liner and original moisturizing membrane technology to avoid coating peeling and maintain rice taste. As soon as these products went on the market, they kept their sales leading and became innovative products that were "applauded and sold well".

　　The home appliance industry has a lot to do. In 2021, the operating income of enterprises above designated size in China’s household appliance industry was 1.7 trillion yuan, and the total profit was 121.9 billion yuan, up by 15.5% and 4.5% respectively. The export of the whole industry exceeded US$ 100 billion, a year-on-year increase of over 20%. The products sold well in more than 160 countries and regions around the world, serving more than 2 billion household users around the world. The output of major products such as refrigerators, air conditioners and washing machines accounted for more than 50% of the global total. In the past 10 years, China’s consumer goods industrial enterprises have continuously accelerated the iterative updating of products, created and led consumption upgrades with independent innovation, and met consumers’ multi-level, personalized and high-quality consumption needs.

　　Every year, the data of "618" and "double 11" show that China’s consumption upgrading trend is obvious. This year’s "618" data shows that new products and high-end quality goods are favored by consumers. Only JD.COM "618" got off to a good start for 4 hours, and the turnover of new home appliances exceeded the whole month of last year. In addition, the trend of home appliances also grew rapidly, and the four-hour turnover of game TV exceeded the whole month of last year; The turnover of embedded air conditioners increased by 300% year-on-year; The volume of ice washing suits increased by more than 6 times year-on-year; The turnover of fresh air air conditioners increased by more than 8 times year-on-year.

　　In the past 10 years, the quality and level of production and supply of consumer goods in China have been continuously improved. The market size of smart home appliances in China has increased from 200 billion yuan in 2016 to 500 billion yuan. New types of home appliances such as dishwashers and sweepers have developed rapidly, and new durable consumer goods have accelerated their entry into ordinary people’s homes. Breakthroughs have been made in key components such as high-efficiency inverter compressors and ballpoint pens, innovative products such as wearable smart devices and functional clothing are increasing, and important progress has been made in the research and development of new drugs in the fields of malignant tumors.

　　"The substantial improvement in the supply quality of the consumer goods industry is mainly reflected in three aspects: First, the number of well-known brand enterprises is increasing. Up to now, there are 150 consumer goods brand enterprises with a scale of 10 billion yuan in China, 16 brands have become internationally renowned first-line brands, and 40 sub-categories of consumer goods have well-known domestic brands. Second, China’s consumer goods industry is gradually moving towards the middle and high end, the added value of products is constantly improving, and the industry profit has increased by 64.5% in the past 10 years. Third, the level of digitalization, intelligence and innovation of products has been continuously improved. The smart home appliance market is leading the world, and innovative products such as personalized wearable smart devices and functional clothing are increasing. " Zhao Gang, president of Saizhi Industry Research Institute, said.

　　Brand recognition has steadily increased.

　　Domestic brands are accelerating to occupy young people’s shopping carts. Guochao brand-related shoes and clothing, digital products, accessories and accessories, and sports and fitness equipment have become popular choices for young people to buy online. According to the data of Dewu APP, among the consumers of Guochao brand in the whole industry, the proportion of "post-90s" and "post-00s" users is 74%, and in Dewu APP, the proportion of "post-90s" and "post-00s" users who buy Guochao products is as high as 87%. The new generation represented by "post-90 s" and "post-00 s" is injecting new momentum into the development of Guochao brand.

　　From the pursuit of foreign brands to the rise of national tide, it is a strong proof that the quality satisfaction and brand recognition of consumer goods in China have steadily improved. In the past 10 years, China’s consumer goods industry has made positive progress in intelligent manufacturing, green manufacturing and "internet plus" collaborative manufacturing, and the personalized customization model has been widely promoted. The consistency of clothing, household appliances, shoemaking and other fields with international standards reached 95%, the qualified rate of infant formula food quality sampling remained above 99% for five consecutive years, and the total sales revenue of the top 10 household appliance brand enterprises accounted for nearly 70% of the whole industry. Sports shoes, bicycles and beauty products not only sell well in China, but also become "explosions" overseas, and the recognition of the "national tide" brand by ordinary people has been significantly improved.

　　"At present, in domestic textile and garment consumption, domestic brands occupy a dominant position, the proportion of original trend brand consumption in brand consumption has increased rapidly, and the awareness, reputation and influence of domestic textile and garment brands have continued to increase." Cao Xuejun, the first inspector of the Consumer Goods Industry Department of the Ministry of Industry and Information Technology, said.

　　Zhao Gang believes that in the past 10 years, the brand recognition of consumer goods in China has been greatly improved, which is manifested in the internationalization of brands, and brands such as Midea, Gree, Haier and Anta have become internationally renowned brands of consumer goods; High-end brands, in consumer goods industries such as household appliances, textiles and clothing, food and medicine, consumer electronics, etc., the product quality of domestic brands has been continuously improved, and the brand recognition among domestic high-end users has been continuously improved; Brand fashion, Guochao brand is becoming the fashion pursuit of emerging consumer forces.

　　The important reason behind this is that the quality of consumer goods has been greatly improved in the past 10 years. "The quality of domestic consumer goods is constantly improving, and the cost performance exceeds that of foreign brands; Product consumption experience is good, domestic brands pay attention to analyzing consumer demand, improve the level of product intelligence and personalization, and continuously improve consumer experience; With a high degree of cultural recognition, the cultural self-confidence of China enterprises has gradually improved, and the products focus on enhancing cultural connotation and advocating China culture, which has been favored by consumers all over the world. " Zhao Gang said.

　　It is understood that the Ministry of Industry and Information Technology will continue to organize the "Three Products" nationwide series of activities, create 300 "Three Products" strategic demonstration cities, cultivate 200 well-known brands with a scale of 10 billion yuan, and enhance the core competitiveness of China’s high-quality enterprises by building well-known brands, cultivating cutting-edge quality products and shaping regional brands. And fully tap the traditional cultural genes such as China culture, national characteristics, Chinese time-honored brands, enhance the influence of regional brands and added value of products, expand the supply of consumer goods with rich cultural connotations, and strive to meet the growing needs of the people for a better life. (Economic Daily reporter Huang Xin)

(From front left) Tokio Emoto, Asami Tanaka, Mari Iriki, Kento Kaku, and Shiraishi Falcon.

Stills of Goldfish in the Sea

Stills of Goldfish in the Sea

　　Based on the natural scenery of Kagoshima, Japan, the youth inspirational film Goldfish of the Sea, which describes five high school students challenging the speedboat race, was screened in Tokyo on March 31st. Including director Toshir? Saiga, five main characters, including Mari Iriki, Asami Tanaka, Kento Kaku, Shiraishi Hayato and Tokio Emoto, as well as co-actors Michiko Kichise, Masahiro Takashima, Junichi Miyashita and Yoshimoto Miyoko, were all present.

　　The story tells the story of five high school students, two women, three men, who are United and struggling to challenge the "speedboat race around Kagoshima volcano". Recalling the shooting, director Zahe introduced the five protagonists in turn: "Incoming, Helai and Baishi were seasick, which made their faces very ugly at the beginning of shooting; Tanaka had a sudden high fever during filming, which made everyone feel very nervous. Handle Ben is a solitary personality boy. "

　　He Lai, one of the protagonists, said that this film depicts the true portrayal of the troubles and entanglements of young people today, and many places can resonate with the audience. Playing the leading role in the film for the first time reveals the interesting tidbits of taking the whole cake on Baishi’s face when celebrating his birthday during filming. When this statement came out, it immediately made other actors laugh internally.

　　The film Goldfish in the Sea will be released in Japan on April 10th.

[Movie Network]www.1905.com　Exclusive manuscript, please indicate the source.
　

　　On December 6th, China Academy of Social Sciences held the 2022 "Blue Book of Economy" conference and China Economic Situation Report. It was introduced at the meeting that at present, the whole country is thoroughly studying and implementing the spirit of the Sixth Plenary Session of the 19th CPC Central Committee. The purpose of this conference is to analyze the current economic situation, grasp the new development stage more completely, accurately and comprehensively, implement the new development concept, build a new development pattern, exchange ideas and study countermeasures, and serve the economic work next year. 2021 is the first year of the "14th Five-Year Plan". Facing the complicated and changeable external environment and the new situation of sporadic epidemic, the CPC Central Committee with the Supreme Leader as the core adheres to the general tone of striving for progress while maintaining stability. On the one hand, it does a good job in epidemic prevention and control, effectively promotes vaccination, and creates a good environment for economic and social development. On the other hand, it will promote the sustained recovery of the economy in a more stable and balanced direction and ensure that the economy operates in a reasonable range. In the first three quarters, China’s economy showed a good recovery trend, and new achievements were made in high-quality economic development and structural transformation and upgrading, laying a good foundation for realizing the expected goal of economic development in the 14 th Five-Year Plan.

First, the economic growth rate continues to maintain a leading position in major economies. In 2021, the actual growth rate of China’s GDP is expected to reach about 8%, exceeding the expected target, and will also be higher than most other major economies in the world.

Second, the overall employment situation is stable. The annual target of new employment in cities and towns was achieved ahead of schedule, and the survey unemployment rate remained within the expected target.

Third, the leading role of scientific and technological innovation support has been enhanced. China’s ranking in the WIPO Global Innovation Index rose to 12th place, achieving nine consecutive rises since 2013.

Fourth, the business environment continued to improve, and the vitality of market players was significantly enhanced. In 2021, new policies such as financial concession and phased tax deferral will continue to stimulate and protect the vitality of market players.

Fifth, economic and social development began a comprehensive green transformation. Vigorously promote energy conservation and carbon reduction in key industries, solidly promote the construction of a green and low-carbon circular economy system, and issue an implementation plan on doing a good job in carbon neutrality in peak carbon dioxide emissions.

Sixth, a series of measures to deepen reform and open wider to the outside world came into effect. Reform and opening-up continued to deepen, and imports and exports maintained rapid growth. China also actively supplied vaccines to countries in need, donated anti-epidemic materials, and supported the international community in fighting the epidemic.

At the same time, we should also be soberly aware that there are still some problems and challenges in China’s current economic operation, which need to be studied emphatically and dealt with properly.

　　I don’t know how to apply for skills upgrading subsidies when I get the skills certificate. The following three channels for applying for vocational skills upgrading subsidies can all apply for subsidies. Let’s take a look at how to do it.

　　Method 1: Official WeChat of Beijing Human Resources and Social Security Bureau

　　Step 1: Scan the QR code and follow the "Beijing People’s Society" WeChat WeChat official account.

　　Step 2: Enter WeChat official account, click on [Micro Service] and select [Personal Service].

　　Step 3: Select [Skills Upgrading Subsidy] in the employment and entrepreneurship of individual services.

　　Step 4: Log in to Beijing unified identity authentication platform, and support account number and SMS verification code login.

　　Step 5: After logging in to the platform, select [Vocational Skills Upgrading Subsidy].

　　Step 6: Click "Apply Now", read the "Instructions for Applicants" and confirm your consent.

　　Step 7: Enter the application certificate information.

　　Step 8: Enter the applicant’s bank account information.

　　Step 9: Confirm that the application is correct, and click "Submit" to complete the application.

　　Method 2: Official APP of Beijing Human Resources and Social Security Bureau

　　Step 1: Scan the QR code and download the official APP software. Click "Employment and Entrepreneurship" in the "Service Zone" column.

　　Step 2: Click [Skills Upgrading Subsidy] in the [Employment and Entrepreneurship] column.

　　Step 3: Click "Apply Now", read the "Instructions for Applicants" and confirm your consent.

　　Step 4: Enter the application certificate information.

　　Step 5: Enter the applicant’s bank account information.

　　Step 6: Confirm that the information is correct, and click "Submit" to complete the application.

　　Mode 3: Official website of Beijing Human Resources and Social Security Bureau

　　Step 1: Visit http://rsj.beijing.gov.cn, the official website of Beijing Human Resources and Social Security Bureau, and find [Skills Upgrading Subsidy] under [More] in the column of [Personal Affairs].

　　Step 2: Click [Application for Skills Upgrading Subsidy]

　　Step 3: Log in to "Beijing Unified Identity Authentication Platform"

　　Step 4: Click [Enter Now] to enter the skill upgrading subsidy function page, and select [Skill upgrading subsidy application].

　　Step 5: The "Commitment Letter for Applying for Skills Upgrading Subsidies" pops up on the application page. Please read the "Commitment Letter for Applying for Skills Upgrading Subsidies" carefully. Click "Instructions for User Application" in scarlet letter, carefully read "Instructions for User Application" and then confirm to click "Read Finished".

　　Step 6: Return to the "Commitment Letter for Applying for Skills Upgrading Subsidies" in the system page and click "Agree" to enter the application page.

　　Step 7: Enter the application certificate information (including issuing time and certificate number), and then click Next.

　　Step 8: Enter the applicant’s own bank card (non-credit card) account information.

　　Step 9: Click the [Submit] button, and you will be prompted to submit successfully and complete the application.

　　The weather is getting hotter and hotter, and the epidemic situation has not completely ended. What kind of air conditioners may have the risk of transmission, and what precautions should be taken when using air conditioners? Recently, National Health Commission issued the Guidelines for Operation, Management and Use of Air Conditioning in Summer (Revised Edition), which is applicable to centralized air conditioning ventilation systems (including all-air air conditioning systems, fan-coil systems with fresh air, fan-coil systems without fresh air, and multi-connected systems) and split air conditioners in summer.

　　Preparation before opening of all-air air conditioning system

　　Grasp the source of fresh air and the scope of air supply, and strengthen personnel training;

　　Check whether the filters, surface coolers, heaters (humidifiers) and other equipment are operating normally. Clean and disinfect the open cooling tower and air handling unit, and clean the air duct when possible. Professional institutions are preferred to clean and disinfect the air conditioning system. When conditions permit, the sanitary quality of air supply should be tested, and the test results should conform to the Hygienic Management Standard for Central Air Conditioning and Ventilation Systems in Public Places (WS 394— 2012) and other national standards and specifications;

　　Keep the fresh air outlet and its surrounding environment clean, and the fresh air will not be polluted;

　　Keep a certain distance between the fresh air inlet and the exhaust outlet to avoid short circuit.

　　Management and maintenance in operation

　　Return air should be closed in medium and high risk areas. If the high-efficiency and above filter device is used in the air return port (pipeline) or air conditioning box, or an effective disinfection device is installed, the return air can be turned down;

　　It is suggested that the indoor temperature adjustment should not be lower than 26 degrees Celsius. If it can meet the demand of indoor temperature regulation, it is suggested that the doors and windows should not be completely closed when the air conditioner is running;

　　When using air conditioning system in crowded places, to strengthen indoor air flow, priority can be given to opening windows, opening doors or turning on ventilation devices such as fans, or air conditioning must be ventilated for 20 to 30 minutes every 2 to 3 hours;

　　For shopping malls, office buildings, underground garages and other places with large personnel flow, ventilation should be strengthened, and the fresh air and exhaust system of air conditioning system should continue to operate for a period of time after the business is over every day;

　　Strengthen the sanitary management of condensate water such as air handling units and fan coils and cooling water of cooling towers;

　　Regular cleaning, disinfection or replacement of filters, tuyeres, air handling units, surface coolers, heaters (humidifiers), condensate pans and other equipment and components of the operating air conditioning system;

　　U-shaped pipes such as sewer pipe, water seal of air handling device, floor drain of toilet and condensate drain pipe of air conditioning unit should be inspected regularly, and water should be replenished in time when there is water shortage.

　　Shutdown of air conditioning system

　　When confirmed cases and suspected cases are found in COVID-19, the following measures should be taken:

　　Immediately shut down the central air conditioning and ventilation system corresponding to the confirmed cases and suspected cases;

　　Under the guidance of the local disease control department, the central air conditioning and ventilation system in the above areas shall be disinfected and cleaned immediately, and can be re-used only after passing the hygienic inspection and evaluation;

　　Cleaning and disinfection of central air-conditioning ventilation system shall conform to the Code for Cleaning and Disinfection of Central Air-conditioning Ventilation System in Public Places (WS 396— 2012) requirements. (Reporter Wang Jingyu)

　　[Classic Famous Cars] At the booth that opened yesterday, we saw many classic models, including the red Corvette C1 in 1954, and its appearance was just to create momentum for the Corvette C7 just released overseas.

　　After World War II, many European countries flooded into the United States, which became the targets of the rich and stars at that time. At that time, MG was the most outstanding performance. At that time, the legendary designer of General Motors (click to view the biography of HarleyEarl) saw the potential of the American sports car market at that time, so he persuaded the senior leaders of General Motors to start developing a coupe to compete with European cars. At that time, General Motors specially opened up a new sub-brand-Corvette for this sports car under Chevrolet.

　　In 1953, at the new york Auto Show, Corvette made its first official appearance. At that time, 300 sets were produced and sold out immediately. Subsequently, in 1954, Chevrolet not only increased its production, but also fine-tuned its models, including adding three brand-new body colors. The 1954 Corvette C1 was exhibited at this auto show, and red was also one of the newly added body colors. It is said that only 100 sets of red Corvette C1 have been produced, and its rarity can be seen. In terms of external dimensions, the length, width and height of the 1954 Corvette C1 are 4501mm, 1849mm and 1331mm respectively.

　　In fact, from 1953 to 1962, the Corvette C1 existed for nine years. The first one appeared on the C1, which was equipped with a 3.9L inline 6-cylinder, which was called "Lan Huo". On this basis, the model produced in 1954 was slightly adjusted and increased to 155 horsepower, which matched the engine with 2-speed. Since then, the Americans who pursued power have continuously improved their power and adopted a more vigorous V8 engine. In the 1960s, the appearance of C1 has also changed a lot, including the addition of a hard top and a more dynamic tail shape.

　　Today, Corvette has developed into the seventh generation model. Although the shape, interior and engine have been armed to become the most popular super sports car under GM, its inheritance of the American spirit has never changed. (Text/car home Zhang Wenjun)

Related reading:

2013: New Corvette Convertible Release
//www.autohome.com.cn/news/201303/482163.html

Click to enter the Shanghai auto show topic > >

Chen Xiaoyun and Jiang Sida became attached to a reality show. Before they became friends, Chen Xiaoyun was already a "debater" of Jiang Sida. However, Jiang Sida felt Chen Xiaoyun’s truthfulness through the variety clips: "Her truthfulness is higher than many artists I have contacted", and this preconceived goodwill laid a good foundation for the cooperation between the two sides in the program.

As a guest of Phoenix. com’s Extraordinary Way, Chen Xiaoyun and Jiang Sida talked about their attitudes towards life from their respective controversial experiences. When asked about their views on "truth", both of them thought that it was too tiring to be an artist, and "not to be fake" was the bottom line of being a man.

The two have many similar experiences and attitudes towards life. Debating, doing interviews, being a boss, playing performance art … Jiang Sida, who has multiple identities, often encounters "cyber violence" because he is not understood while enjoying the public attention; Chen Xiaoyun’s controversy, like her role, has caused a "bloody rain". But fortunately, they all learn to have a strong heart to dispel negative comments. Jiang Sida said that he only cared about the real social interaction around him, not the gossip on the Internet, while Chen Xiaoyun benefited from the experience of coming to Beijing to study alone when he was 10 years old, and now he is more frustrated and brave.

When more and more people are smoothed away by trivial and tedious life, Jiang Sida and Chen Xiaoyun are still somewhat free and easy and willful. Perhaps it is not "flattering" to truly present themselves, but this persistence will gradually release nutrients and help them cultivate their own soil in the depths of their souls, nourish themselves and become themselves.

The following is the full text of the dialogue:

Phoenix Network Extraordinary Road: Hello everyone, this is Phoenix Network Extraordinary Road, and today’s guests are Chen Xiaoyun and Jiang Sida.

Jiang Sida:Hello, everyone.

Chen Xiaoyun:Hello, everyone.

Phoenix Network’s Extraordinary Way: We have a rare opportunity today, that is, we can start a chat that is different from usual. You are participating in a reality show at the same time, right?

Jiang Sida:Yes, the second season of Make Life Beautiful.

Phoenix. com’s Extraordinary Way: What roles are you all here to play in this program, Xiaoyun?

Chen Xiaoyun:I am a member of the "good-looking family" in "Let Life Look Good" and then take part in observing everyone’s life.

Phoenix Network’s Extraordinary Way: Then Jiang Sida, are you an observer?

Jiang Sida:Yes, it is the only male character recorded in the shed, that is, finding several sisters with their own characteristics, and then everyone uses their own lifestyle and then takes it as the subject, which is part of it. The other part is that we get together, then share each other’s lives together, and then see how everyone manages their daily lives. So I am a major participant in this part.

Phoenix Network’s Extraordinary Way: Have you two known each other before?

Jiang Sida:I don’t know.

Chen Xiaoyun:I don’t know.

Jiang Sida:I became attached to this program for the first time.

Phoenix Network "Extraordinary Way": So in this program, what kind of impression are we from the beginning?

Chen Xiaoyun:Because I am an ardent fan of "The Story of Qipa", I liked your previous debate very much, and then I was very impressed by the issue "Is the Shibaolian Tyranny?" I didn’t watch it after you left, really.

Jiang Sida:Is it? Thank you, thank you, thank you.

Phoenix. com’s Extraordinary Way: But when you watched The Story of Qi Pa, did you think he was very powerful? Or is this person inaccessible?

Chen Xiaoyun:I didn’t. I think his heart is very delicate. Because he is very delicate, his views can just impact my heart.

Fenghuang. com’s Extraordinary Way: So what about this contact?

Chen Xiaoyun:I still think he is a real person, and how he behaves in front of the camera is actually such a person in private.

Jiang Sida:Because like many people, I have seen a clip of Xiaoyun on the Internet before, because I have been doing interview programs for some time. When I face a guest, I prefer to see a person with my own eyes. Not because everyone thinks of a person, because there are many processes that we as the audience don’t know and don’t know. From the last issue ("Let Life Look Good"), I think Xiao Yun is very real at first. Compared with many artists and stars I have contacted, her authenticity is actually higher.

Fenghuang. com’s Extraordinary Way: Now that I see that both of you give each other’s evaluations are "true", then "true" actually has another meaning, that is, it will attract more.

Chen Xiaoyun:Controversy.

Phoenix Network’s Extraordinary Way: Controversy. So you two said that in this aspect of your own reality, do you think you have suffered anything?

Chen Xiaoyun:It is people’s incomprehension of you, or people’s comments on you. Because the artist has been exposed to the camera for a long time, whether it is your private life, your film and television works or your work, it is basically difficult for you to say that you hide your true character. I don’t think it’s a bad thing to show our true character in front of the camera. It will make people more relaxed, because the pace and intensity of our work are great. If you are still acting in front of the camera or something, it is unnecessary. It is better to be yourself happily.

Jiang Sida:I only ate the real blessing, I didn’t eat the real loss. At least for me, because of my truth, others can know what kind of person you are. And most of the comments on you are approved, and then it will also bring me some new ways of interacting with others, job opportunities and so on, so I think I only have a real blessing. But no matter what the result I get, I think this is the basic bottom line of being a man, that is, I can’t be fake.

Phoenix. com’s Extraordinary Way: I think it’s that you have a feeling of constantly exploring the bottom line about the truth, including the reality show we saw you do before. You seem to particularly want to tell me not only my own truth, but also that you should be true to me and show it.

Jiang Sida:I think it’s "otherwise", right? Doing a program for half a day, then asking questions and answering questions, what are you doing? I think you will often ask yourself who you are, what kind of person I am and what I want. If you are always in a state of whitewashing and performing in the middle, how can you give yourself a satisfactory answer, so it is a bottom line.

Phoenix Network "Extraordinary Way": But you know star talk shows and variety shows. In fact, many stars still have to give you a perfect dream-level answer.

Jiang Sida:Yes, something more positive.

Phoenix Network’s Extraordinary Way: So in the process of chatting with them, do you think that even people don’t really tell the truth much?

Jiang Sida:This is their concern, and this concern itself is real, so I won’t force people to say that if you don’t give me a satisfactory answer today, I think you are insincere about my interview. Actually, I can’t ask others like this. Therefore, regarding the so-called authenticity, I hope that my own state can influence and impress him, so he is willing to reveal his true feelings to you in a comfortable state, and he is willing to show his true thoughts.

Phoenix. com "Extraordinary Way": But you mean that you have encountered some resistance from stars and this kind of brokerage team?

Jiang Sida:Really very few, much less than I expected, but more willing to cooperate, because I received a lot of news, I would like to ask which artist in our family, can I chat with you for a day and do an interview with you? It means that everyone still recognizes my communication in this respect. They don’t think it’s a conversation that will go through this, but at least it’s a very comfortable conversation.

Phoenix. com’s Extraordinary Way: So it’s no pressure for you to participate in such a reality show, right?

Chen Xiaoyun:In fact, I seldom participate in reality shows. I used to film most of them.

Phoenix. com’s Extraordinary Way: But Sister, Sister Who Rides the Wind and Waves, is actually a reality show.

Chen Xiaoyun:Yes, but I actually thought I was going to sing and dance at first. I didn’t expect it to take me away, because my whole attention was on the stage. (In Sister 2, the stage performance and the practice room are mixed.) But I really ignored this part, and there will be voices that people say that I don’t listen to other people’s opinions. Then I will think about it. This is indeed a reality show, not a rap show.

Phoenix Network "Extraordinary Way": Because I know that in fact, in the process of recording by my sister, there are some disputes behind us.

Chen Xiaoyun:That’s right. On the day of the dispute, we were recording "Wu Gong" (the fifth performance), so I devoted myself to dancing and singing. I went home to see my parents after recording "Wu Gong", and my mother hugged me and she cried. At that moment, I seemed to think that this might really affect me because it affected my family. But for me, I am very good, because this is a process that artists must go through. Don’t say the first line or the eighteenth line, every artist will meet it. Moreover, I saw this elder sister once that day, and I should suffer the least cyber violence. He meets more first-line artists, because there are many people who like them, and there are certainly many people who don’t like them. So I don’t care about this little thing.

Phoenix Network’s Extraordinary Way: Starr, do you just agree with her? You will actually experience some cyber violence, right?

Jiang Sida:I’m okay. Do I think I am blind and confident? I think I am very popular. The main thing is that I haven’t experienced anything. In this respect, only the lawsuits around me will affect me, and my emotions will affect me, and nothing else will.

Phoenix Network "Extraordinary Way": Why do you have emotional influence?

Jiang Sida:Who you like and who you don’t like, because of this kind of thing, it’s all real social interaction around you, not some things on the internet. Whoever loves care cares, I don’t care.

Chen Xiaoyun:Because I have paid attention to you before, including WeChat and WeChat official account.

Jiang Sida:Yes.

Chen Xiaoyun:I feel that you were in a bad mood for a while, and then the contents of his WeChat official account were all negative.

Jiang Sida:Compare down.

Chen Xiaoyun:Right?

Jiang Sida:Do you have a reward? It’s very simple as long as it makes me feel better, because there is a reward word below. You just need to knock 200 yuan, and I will feel good. It’s such a simple thing to make me happy. I’m just anxious about money.

Fenghuang. com’s Extraordinary Way: Actually, in public opinion, you left an impression that I dare, and I dare to do many things. So have you ever had a rather timid moment?

Jiang Sida:More timid?

Phoenix. com’s Extraordinary Way: That is to say, I dare not. I’m still that cautious.

Jiang Sida:It’s okay, because I don’t have so many challenges at work now, that is, I don’t face one, for example, this thing is as stressful as a mountain, and I haven’t seen it very much at present. So there will be, for example, when I stand on the stage for the first time to debate, when I stand on the stage for the first time to preside over it, I will be afraid at that time.

Phoenix Network "Extraordinary Way": But for you, is there any moment that makes you feel very embarrassed?

Chen Xiaoyun:To tell you the truth, reality shows are putting a lot of pressure on me now, because I always play others in front of the camera, that is, acting. But the so-called role, I must have brought in a part of my true self, and then interpreted that role. But now you let me play myself, and then the audience will have a filter on my role, and then they will not accept me as I really am. I feel a little pressure on this matter. But as Starr said, I can be the truest myself, I can be happy, and I don’t need to pretend.

Phoenix. com "Extraordinary Way": After you participated in the reality show, did you receive any feedback that you are different from what I expected?

Chen Xiaoyun:Often, I can see it. I can see someone saying that Chen Xiaoyun’s powder has turned black. I just want to say that it is a reality show shot, and it is not a complete fragment. It can also be cut, right? It is not a complete me. Is that you come in front of me now, and we’ll talk for another half an hour, then we can have a glass of wine together, which is actually a person of this character. So variety shows, reality shows and acting are all my jobs, but that doesn’t mean that this is the whole me.

Phoenix. com’s Extraordinary Way: That is to say, people will have all kinds of anxiety, such as identity anxiety, gender dysphoria, age and aesthetic anxiety. So far, have you experienced the so-called age anxiety and appearance anxiety?

Jiang Sida:I don’t have a good appearance, and there will be age anxiety, that is, I am a person who likes to set a flag for myself very much, that is, how old I am, what I want to accomplish, that clock ticks, so when you have a goal, you will take it every day to check whether you are living today, which is a bit harsh, but in fact, it will be a little bit like this, so this anxiety will still exist.

Chen Xiaoyun:I am mainly interested in my work, that is, whether I go to Sister or my film and television works, whether my stage and role (Chen Xiaoyun’s mixed role) will make everyone like it, whether it will make everyone feel the same, and whether they will follow her joys and sorrows. I hope my work can also give the public this feeling. So I have such anxiety.

Phoenix. com’s Extraordinary Way: There is another kind of anxiety that is particularly funny. That is to say, when we read articles, people who can’t do anything every day have been abandoned by the times, which is called abandoning anxiety. What do you think? Will you feel that I have to learn more things myself, or that I will just do what I have?

Jiang Sida:It means learning new things, but it doesn’t come from abandoning anxiety. It comes from learning a new skill and being happy for yourself, not from who you are afraid of being eliminated. It is obvious that even I am unlikely to be eliminated so soon. Even if you have a few pounds and two ounces of yourself, and you are still clear in your heart, you will not have this anxiety.

Phoenix. com’s Extraordinary Way: So in fact, I understand that all your answers are based on an inner heart or a strong one. So Xiaoyun, for example, do you have that kind of fragile time?

Chen Xiaoyun:No, because I went to Beijing to study alone when I was 10 years old. I left home, so far away from my parents that I am very strong now. I will never say that if I encounter setbacks, I will not be able to do it. I am the kind of person who is more frustrated and brave. If you say that I can’t do it, I must do it.

Phoenix. com’s "Extraordinary Way": There is another word. It was always said last year that the house collapsed. This star may be in love, may be married, may be that he said something he shouldn’t have said, and then I collapsed. So how should we find a balance between expressing truth and maintaining a public image?

Jiang Sida:I’m not sure what public image means. I don’t know if this thing really exists, or if it’s just something that everyone YY came out with.

My understanding is that it is a very functional thing, that is, it can be strengthened and spread through design and construction. But I don’t have this idea at first, and I don’t have this ability at second. I don’t think I can create a so-called accurate image, and then in my future work, the so-called continuous penetration means that I don’t have this ability, and I don’t have a large team and professional brokerage company to help me think about these things. For example, if you must talk about this on this occasion to strengthen your image, you must dress like this to make people remember or be recognized. I don’t have these, so I basically just do what I want. It doesn’t matter. It’s fine.

Fenghuang. com’s Extraordinary Way: But for example, Xiaoyun will be commented a little more. What do you think of this matter of maintaining the image?

Chen Xiaoyun:I don’t think actors should have some labels and images, because every role is different, just like I used to play stepmother (film and television role stills) when I was very young, but that doesn’t mean I can’t play a girl now. I can be eccentric, I can be gentle, I can also be overbearing, that is, every role, I hope I am vague in the public impression, without a particularly eye-catching concept, so that when I interpret each role, everyone will think that she can still be like this.

Phoenix Network "Extraordinary Way": Just now, you also talked about playing stepmother when you were young. So up to now, when an actress takes this role, will she say that sometimes this is an opportunity, and I am willing to compromise for it, or will I still take someone I really like?

Chen Xiaoyun:I don’t think everyone, like what I’m playing now, has ever played a similar role. That is, every character has a great contrast. That is, there will always be an interview with a reporter saying, which role do you like best and which role do I like best? I will always say that my favorite role is my next one.

Jiang Sida:We’re fake. Are we fake?

Phoenix. com’s Extraordinary Way: You two really cheated me.

Jiang Sida:Are you in a hurry because you can’t ask?

Jiang Sida:But I think I can be responsible for all my answers. My answers may be rare, but I just know who I am.

Chen Xiaoyun:But in fact, you know the role played, and I will go there after I play it.

Phoenix. com’s Extraordinary Way: As far as the roles you played in the past are concerned, there is no trace left for yourself, right?

Chen Xiaoyun:No, that is, you are not you, you are the person in the role, and that state is very high. It is hard to describe how wonderful it is, which may be one of the reasons why I like acting very much.

Phoenix. com’s Extraordinary Way: Now I hear a saying that if an actor wants to develop his career and earn more money, he should not fall in love, saying that unless you can get married and have children quickly, you should attend a reality show. In fact, it refers more to female artists, that is, girls should not fall in love, but should do their careers first?

Chen Xiaoyun:It doesn’t mean not to fall in love. I think it’s a process of not getting married and having children, being pregnant for ten months, then having children, and then recovering. Especially like us now, stars are eliminated quickly. You may play the role of mother or aunt after giving birth to a child, but I don’t think there is anything wrong with such a role.

Phoenix. com’s Extraordinary Way: Because we also know that you have experienced some emotional changes, so now you are the so-called emotion. Is your view on marriage the same as before?

Chen Xiaoyun:There is no difference.

Phoenix Network’s Extraordinary Way: Is there any new expectation?

Chen Xiaoyun:Looking forward to a sweet love. Because I actually think that emotion is an accumulation for artists or actors, that is, when we express a character, it is actually an emotional output. You don’t have some emotional experience, you can’t do these outputs, and you can’t make the audience feel your emotions. Therefore, love, experience, positive and negative are all rewards for me, which can make me have more and richer levels in the process of interpreting the role.

Phoenix. com’s Extraordinary Way: Then ask two more questions, that is to say, as a public figure, do you think that when you become popular, it will have an impact on your lifestyle?

Jiang Sida:Yes, there must be.

Phoenix. com’s Extraordinary Way: How about someone rushing up and grabbing your arm when you walk in the street?

Jiang Sida:Yes.

Chen Xiaoyun:Really? I didn’t.

Jiang Sida:Why not? Of course there will be. Didn’t anyone recognize you on the road?

Chen Xiaoyun:There are also.

Jiang Sida:Right.

Chen Xiaoyun:But it’s what I should do and what I should do.

Jiang Sida:That’s true

Chen Xiaoyun:It’s just that someone suddenly recognized you, but this is normal. Have you changed your life? Have you changed your life for this?

Jiang Sida:Yes, that is, from now on, it will definitely be changed. I’m a junior, and I’m considered a junior. Originally, my freshman and sophomore were recognized within the school, and you were suddenly recognized by people all over the world. Of course, it will be different. Your living environment has changed, your social circle has changed, your consumption level has changed, your own ability, what you can do and the speed of reaching your goal have changed. Which is not a change, it is a change. My mother’s happiness index has improved. How can this not be a change, right?

Chen Xiaoyun:I am, I am, I may be. I have been asking for money at home since I was a junior, and then I worked slowly, earning a little money first, then calling my mother, and then slowly.

Jiang Sida:When did you make a lot of money?

Chen Xiaoyun:I didn’t make a lot of money. I just said that I could improve my family’s situation and then buy a house and a car. But you said it would be good to buy it. I was still telling my dad yesterday that their generation had a particularly stubborn one, that is, a concept of financial management, that is, to save money. How can I correct it? I said that I have enough money for you to spend now, and you should improve your living standards, like this. I try my best to pay, so that I can see my reward. I am so angry.

Phoenix. com’s Extraordinary Way: But I think the happiness of what you buy for parents comes from a close circle around him. Every day, I see him and say that I see your daughter and your son on TV. In fact, their happiness comes more from this.

Jiang Sida:Divide people.

Phoenix Network "Extraordinary Way": Really.

Jiang Sida:That’s right, everyone is different, I think. Happiness doesn’t need to be compared.

Chen Xiaoyun:My mother can’t. She won’t even carry a bag for her.

Jiang Sida:Really?

Phoenix Network "Extraordinary Way": There is no need to compare true happiness.

Jiang Sida:Right.

Phoenix. com’s "Extraordinary Way": There is a reality show among the three of us. If we talk about it now, are there any new increases in your views on each other?

Jiang Sida:Yes.

Chen Xiaoyun:Is there?

Jiang Sida:Just talk fast. When we record later, can you speak a little faster?

Chen Xiaoyun:I speak at this speed. Because I am a person who is not good at talking. So why do I like you so much?

Jiang Sida:It’s very lovely that you believe in yourself and let yourself go.

Phoenix Network’s Extraordinary Way: I think she has this foundation.

Jiang Sida:Of course she does.

Phoenix Network "Extraordinary Way": Anyway, I also said that I don’t care, and I will dare next time. In fact, there is such a foundation. There is a saying, if you are fragrant.

Jiang Sida:The breeze comes naturally.

Phoenix Network "Extraordinary Way": I hope that in this reality show, I can see you two more open and truly show that scene.

Jiang Sida:Sure, thank you.

Chen Xiaoyun:Ok, thank you.

Phoenix Network "Extraordinary Way": Thank you.

Every reporter Yi Wangqi Qijiang

Those fresh lives lost in campus loans have still failed to prevent cash loan platforms from extending their claws into the campus! Those grieving parents, tears are vaguely in front of them, but campus loans have revived.

According to a survey conducted by national business daily, platforms such as Flash Banking, Auction Loan and Loan are still quietly engaged in this business after the country banned campus loans. In the platform tested by reporters, the proportion of campus loans still exceeds 42%. Among them, the annual interest rate of the flash banking platform for granting usury to students is as high as 199.38%, and the platform also "invented" a variety of beheading interest. By borrowing from 1000 yuan, it is actually only 790 yuan!

In the one and a half years from May 2016, the former China Banking Regulatory Commission, the Ministry of Education and other ministries and commissions have continuously issued documents for campus loans, and the regulatory attitude is not strict. However, campus loans have been repeatedly banned, and even "innovated" more ways to collect high interest.

Summary of credit granting and down payment of test platform ↓ ↓

Cartography: Zou Li

Before the investigation, every reporter received many complaints, all of which reflected that some cash lending platforms issued usury to students. National business daily selected five college students from different places to participate in the test of seven cash loan platforms, namely Flash Bank, Auction Loan, Heyi Loan, 51 Personality Loan, 2345 Doudou Money and Small Win Card Loan. There are leading enterprises in the industry, listed companies and large and medium-sized platforms, and the test scope covers almost all levels of the cash loan industry.

After testing one by one, the reporter found that campus loans are making a comeback!　

Not only is Aiyoumi, a platform of key listed companies in Hangzhou, illegally engaged in campus loans (national business daily has previously reported), but also American listed companies and Flash Banking platforms that have been invested by China Merchants are secretly engaged in campus loans! In the platform of sampling test, the proportion of campus loans still being issued exceeds 42%.　

In fact, although this round of "restarted" campus loans has not yet exposed major vicious incidents, before the regulatory ban, campus loans can be said to be "notorious":

● March 2016

Zheng Dexing, a student of Henan College of Animal Husbandry Economics, has borrowed nearly 600,000 yuan from several campus financial platforms, unable to repay it. After the lender used various means to collect debts, he was so devastated that he jumped from the eighth floor of a hotel in Qingdao and died.

● April 2017

A sophomore girl from Xiamen Huaxia College committed suicide by burning charcoal in a hotel in Quanzhou because she was deeply involved in campus loans.

● September 2017

Zhu Yudi, a 21-year-old sophomore in Shaanxi, borrowed more than 200,000 yuan and committed suicide by jumping into the river when she was unable to repay it. Before losing contact, he also sent a small video of self-mutilation to his classmates, in which he cut three deep wounds in his left hand.

… …

Usury, naked strip, suicide … … It is precisely because of all kinds of negative news and even vicious incidents that campus loans continue to explode that the attitude of the regulatory authorities is constantly tightening.

● May 2016

The Ministry of Education and the former China Banking Regulatory Commission jointly issued the Notice on Strengthening the Risk Prevention and Education Guidance of Bad Campus peer-to-peer lending, and also focused on the "Bad Campus peer-to-peer lending", explicitly requiring colleges and universities to establish a daily monitoring mechanism and a real-time early warning mechanism for bad campus peer-to-peer lending. The former CBRC clearly put forward the five-word policy of "stop, move, rectify, teach and introduce" to rectify the campus loan problem.

● April 2017

The former CBRC issued "Guiding Opinions on Risk Prevention and Control in Banking Industry", demanding that the focus should be on cleaning up and rectifying campus online loans: peer-to-peer lending information intermediaries should not include borrowers who are unable to repay their loans in the marketing scope, prohibit providing online loan services to college students under the age of 18, do not conduct false fraudulent propaganda and sales, and should not issue usury in disguised form through various means.

● May 2017

The Ministry of Education, together with the former China Banking Regulatory Commission and the Ministry of Human Resources and Social Security, jointly issued the Notice on Further Strengthening the Standardized Management of Campus Loans. While encouraging commercial banks and policy banks to provide financial services for college students, it is required that all online lending institutions (not only the peer-to-peer lending information intermediary institutions targeted in the previous documents, that is, P2P online lending) be suspended to carry out online lending business for college students. At the same time, institutions established without the approval of the banking regulatory authorities are not allowed to enter the campus to provide credit services for college students.

● September 6, 2017

The Ministry of Education also held a press conference to clarify that "the campus loan business is banned, and no online lending institution is allowed to issue loans to college students."

● December 2017

The Notice on Standardizing and Rectifying the Cash Loan Business (No.141 Document) issued by the Office of the Leading Group for the Special Remediation of Internet Financial Risks and P2P Online Loan Risks blocked some platforms from engaging in campus loans in the name of "helping loans". On the one hand, Circular No.141 clarifies that P2P peer-to-peer lending information intermediaries and online microfinance companies are not allowed to issue campus loans, and at the same time, it requires banking financial institutions to cooperate with third-party institutions to carry out loan business, and they are not allowed to outsource core business such as credit review and risk control. The "loan assistance" business should return to its original source. Banking financial institutions should not accept credit enhancement services provided by third-party institutions with unsecured qualifications and disguised credit enhancement services such as bottom-up commitments. They should request and ensure that third-party cooperative institutions should not charge interest fees to borrowers.

● Xiao Shihai, an industry observer and co-founder of Xiaojinshe:

The first is that the previous campus lending institutions have formed path dependence, and they will not do anything else, but will only lend on campus;

Secondly, some cash loan products are packaged into regular consumption installment products, thus infiltrating into the campus market;

Third, for formal financial institutions, ordinary students are not very high-quality borrowers. Even if they can give loan support, their quota is limited. Then students who have more capital needs and even form lending habits can only reach out to campus loans. Supply and demand have always existed, but the supervision failed to identify and effectively punish the "disguised campus loan", so it is difficult to restrain the combination of supply and demand.

● Director of the Bank of China Law Research Association Xiao Sa:

From the borrower’s point of view, the whole society advocates early consumption, and the post-00 s and post-90 s formed the habit of borrowing and spending. Under the all-round bombing of shopping festivals such as "June 18" and "Double Eleven", the pickpocket party embarked on the road of borrowing. From the perspective of lending platform, it is nothing more than "interest-driven", because in the current environment, campus loan is a good profit growth point.

● Xue Hongyan, Assistant Dean of Suning Financial Research Institute:

The principle of supervision on campus loans is to open the front door and block the side door, encourage the layout of banking financial institutions, and prohibit small loan companies and unlicensed institutions from getting their hands on them. However, in practice, banks are not enthusiastic, leaving many blank spaces, leaving a lot of room for non-licensed institutions.

There are many reasons for the low enthusiasm of banks:

The first is interest rate restrictions. The profit model of campus loan is that high interest rate covers high risks. However, as a regular army, banks are highly expected by all parties, and it is impossible to raise interest rates, which makes it difficult for banks to make profits and lack commercial sustainability.

The second is business restrictions. The campus loan market is too scattered. First of all, the local banks that cannot operate across regions are excluded, while the national banks are all big, and the campus loan market space is limited, which makes it difficult to attract strategic attention.

The third is the competitive factor. With the help of payment tools, Internet giants have achieved a high degree of penetration into campus groups and firmly grasped this market. For banking institutions, campus loans are not undeveloped virgin land, and even if they are fully committed, they may not be able to achieve good results.

The fourth is reputation risk. Campus loan business space is limited, but public opinion is very sensitive, which easily leads to reputation risk and further weakens the enthusiasm of banks.

For small loan companies and non-licensed institutions, although college students have no source of income, they have a strong sense of credit and belong to relatively high-quality customers. Under the pressure of operation, these institutions are unwilling to give up this market. At the same time, in practice, identifying the borrower’s student status requires the lending institution to take the initiative. If the lending institution intentionally fails to act, it can also prevaricate supervision and public opinion supervision to a certain extent, so many institutions are still engaged in campus loan business with luck.

In order to seize more customers, banks have no control over the number of cards issued. At that time, many college students had at least two credit cards and nearly 10 credit cards. These fledgling students overdraw on different cards with unrestrained ideas, and the abuse of personal credit line also caused the credit card market of college students to become a mess.

● June 2009

The former China Banking Regulatory Commission issued the Notice on Further Regulating Credit Card Business, which clearly required banking financial institutions to issue credit cards to students in accordance with the principle of prudence. To issue credit cards to students, two requirements must be met: first, they must be at least 18 years old, and second, the repayment source agreed in writing to assume the corresponding repayment responsibilities. In fact, college students’ credit cards were officially suspended.

● Beginning in 2014

With the entrepreneurial tide of Internet companies, represented by Fun Staging (Fun Shop Group), Music Staging (Lexin Group) and Love Learning Loan (Love Finance Group), hundreds of student staging institutions have flooded into the market. Staging companies have intervened in the campus credit market with 3C products (computers, communications and consumer electronic products) as a bridge, continuing the early banking practices, such as recruiting campus agents, zero fees and small gifts. Soon after, many vicious incidents broke out, such as student suicide with huge debts and naked college students.

● August 24, 2016

The former CBRC clearly put forward the five-word policy of "stop, move, rectify, teach and introduce" to rectify the campus loan problem. Under pressure, many companies involved in campus staging business seek transformation or withdrawal.

● 2018

With the development of bank’s consumer loan business, retail finance business, consumer finance companies and loan-assisting market, the campus market has once again become the battlefield of institutional competition. Lending agencies return to the campus loan market in the name of helping banks and other financial institutions to issue consumer loans.

Xiao Ming, a test student, said that Flash Silver held high the "beheading knife" and did not let go of the students.

According to Xiao Ming’s feedback, he borrowed money from 1000 yuan in Flash Bank, but actually only got 790 yuan, which he thought was beheaded by 210 yuan.

What is the composition of 210 yuan’s beheading interest mentioned by Xiao Ming?

Part of it is 160 yuan’s pledge certificate for newcomers — — After Xiao Ming’s loan was successful, his bill in Flash Bank was shown as two: one was the 160 yuan newcomer guarantee voucher that needed to be repaid within three days; In addition, it is the real bill for his loan.

Image source: Photo courtesy of test students

The other part is 50 yuan’s automatic deduction — — About 1 minute after the loan from 1000 yuan arrived, Xiaoming was automatically deducted from the bank account of Flash Bank.

The collection accounts of the two payments are Beijing Flash Silver Singular Technology Co., Ltd..

Image source: Photo courtesy of test students

Xiao Ming, a test student, borrows money from 1000 yuan and repays it in three installments. The first installment needs to repay 379.65 yuan, the second installment needs to repay 340.02 yuan, and the third installment also needs to repay 340.02 yuan, totaling 1059.69 yuan. It seems that the interest is not high. But after getting rid of 210 yuan’s beheading interest, he actually only got cash 790 yuan. According to IRR formula, Xiaoming’s borrowing interest rate in Flash Bank is actually 199.38% per annum!

Xiaoming’s bank flow shows that the loan funds come from the account of Jinyuntong Network Payment Co., Ltd.

Image source: Photo courtesy of test students

National business daily sent an interview question to Flash Bank on campus loan. Flash Bank said that since April 2019, Flash Bank has made specific provisions on its products and services: users under the age of 22 are prohibited from completing loans through the Flash Bank platform.

Since it has been banned, why can test students still successfully borrow money? Flash silver can’t give a reasonable explanation, and Flash silver asks to see the detailed information of the students. Obviously, for the protection of the students involved, the reporter can’t provide the detailed information of the students to Flash Bank, and the loan credentials of the test students are kept safe for the relevant regulatory agencies to call.

Regarding the question of allegedly charging beheading interest in disguise, Flash Silver replied as follows:

After the user completes the loan service on the flash banking platform, the fees other than the loan principal and interest and value-added services are related service fees provided by the third-party platform, which is not mandatory. Among them, the guarantee voucher is a kind of virtual voucher issued to users by the third-party guarantee platform (users choose to check it voluntarily, which is not required for borrowing), aiming to help users enjoy the financial services provided by financial institutions more conveniently and quickly. Value-added service fees are fees charged on the basis that users enjoy the corresponding additional services, which are voluntary for users and are not required to borrow money. In addition, when confirming the loan, the user must manually check and confirm the agreement with the above corresponding service agreement, otherwise the loan recommendation service will not be provided, and Flash Bank will record the user’s operation track and time.

Regarding the annualized interest rate as high as 199.38%, Flash Bank argued that:

The user’s loan application is recommended by the flash banking platform to the relevant funders, and after passing the risk control audit of the latter, they can enjoy the loan service provided by the latter, and the latter will collect interest. The specific interest rate is not more than 36% per annum according to the law, depending on the credit status of users. As a third-party technical support platform, Flash Bank charges technical service fees based on technical cooperation with relevant funders.

Is the fact really as argued by Flash Silver?

Regarding the so-called voluntary check of Flash Bank, according to the video of the loan process provided by Xiaoqiang (a test student), when Flash Bank applied for a loan, the purchase of a guarantee certificate was the default check, and there was a small prompt below: Buying a guarantee certificate would help to increase credit.

Image source: Photo courtesy of test students

Every time a reporter inquires about the industrial and commercial information, it is found that the business scope of Beijing Flash Silver Singular Technology Co., Ltd., the recipient of the guarantee certificate, does not provide guarantee for personal loans. The reporter interviewed Flash Silver again on "whether Flash Silver Company is suspected of illegal operation and whether it is forced to tie-in the guarantee certificate to users", and the reply it gave still repeated the previous content, actually avoiding this question. Moreover, this is not collected by the third party of Flash Bank’s reply, and it is Flash Bank’s own affiliated company that collects the guarantee voucher fee.

Image source: Photo courtesy of test students

According to official website Information of Flash Silver, Beijing Flash Silver Singular Technology Co., Ltd. was established in April 2014. According to public information, as of April 2017, Flash Bank has more than 80 million users, and has successively received a series investment of 6.6 million US dollars from IDG, a series investment of 20 million US dollars from SIG, and a series investment of 80 million US dollars from China Merchants, SIG and Guangyuan Capital, with a total financing amount of over 100 million US dollars.

● Li Lingpeng, lawyer of Sichuan Road Signs Law Firm: The E-commerce Law prohibits tying by default.

No matter how Flash Bank explains it, as long as students get loans from its platform, it has violated the campus loan ban. In addition, although Flash Bank claims that the annualized interest rate does not exceed 36%, the actual interest rate shows that it is engaged in usury and beheading in violation of laws and regulations.

Article 19 of the E-commerce Law of the People’s Republic of China stipulates that tying goods or services by e-commerce operators shall draw consumers’ attention in a conspicuous way, and tying goods or services shall not be taken as an option of default consent.

Accordingly, the consequences of Flash Bank’s default check of the guarantee certificate should be borne by Flash Bank platform. Due to the consequences of this default check, the platform still constitutes the fact of charging the interest of deformation beheading.

In terms of interest rate, according to the Supreme People’s Court’s regulations on several issues concerning the application of law in the trial of private lending cases, the interest rate protected by law in China is actually divided into two grades. One is the annual interest rate of 24%, and the lender in this grade can ask the borrower to repay the interest at the interest rate of 24%; There is also a file with an annual interest rate of 36%. In this file, the lender cannot ask the borrower to repay the interest at the interest rate of 36%, but if the borrower has already repaid the interest at the interest rate of 36% or even over 36%, it does not need to be returned within the range of 36%, and the part exceeding 36% needs to be returned. The real interest rate of Flash Bank loan is as high as 199.38% per annum, which is illegal.

Article 200 of the Contract Law clearly stipulates: "The interest on the loan shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan shall be returned according to the actual loan amount and the interest shall be calculated. " As for all kinds of breakthroughs or disguised breakthroughs in the legal interest rate red line with interest, liquidated damages, service fees, intermediary fees, margin and extension fees, the Supreme Law also clearly stipulates that it should not be supported according to law. By default, 160 yuan Newcomer Guarantee Certificate is checked by Flash Bank, which is actually a variant of beheading interest.

In addition, the Supreme People’s Court also stipulated in the Notice on Properly Handling Private Lending Disputes in accordance with the Law to Promote Economic Development and Maintain Social Stability that "if the lender deducts interest from the principal in advance, it shall return the loan according to the actual loan amount and calculate the interest." This judicial interpretation clarifies how to solve the problem of deducting interest from principal. Xiaoming borrowed money from 1000 yuan and got 790 yuan. Then, Xiaoming should only repay the loan according to 790 yuan, and the interest within the legal scope can only be calculated according to 790 yuan’s principal.

The auction and loan platform invested by Sequoia Capital still allows students to obtain loans regardless of the national campus loan ban.

According to feedback from Xiaoqiang, a test student, he got a credit line of 13,000 yuan in the auction loan, and he cashed out 1000 yuan.

Although the auction will specifically remind "not to provide loan services for students at school", in fact, Xiaoqiang, as a student, obtained a loan from the platform.

According to Xiaoqiang, when applying for a loan, a reminder will pop up: Pat Loan does not provide loan service for students at school. If you are a student at school, please stop borrowing. Then there are two buttons, one is the gray button to stop borrowing and the other is the light blue button to continue borrowing. Shortly after he clicked Continue to borrow, the bank card bound to Paipaidai received a 1000 yuan from Shanghai Paipaidai Financial Information Service Co., Ltd.

Image source: Photo courtesy of test students

According to the loan contract, Xiaoqiang, a test student, borrowed money from 10 lenders in 1000 yuan, with the most one being 416 yuan and the least one being 25 yuan.

Xiaoqiang’s loan is repaid in 12 installments, each installment is one month, and the monthly repayment is 88.38 yuan (including interest, the loan interest rate is 11% per year). At the same time, according to the contract, Xiaoqiang also needs to pay a listing fee of 6.66 yuan/month for the auction loan, totaling 79.92 yuan in 12 issues; And pay a monthly risk guarantee fee of 10.17 yuan, totaling 122.04 yuan in 12 periods. Together with these two expenses, Xiaoqiang actually needs to pay 105.21 yuan a month.

1000 yuan, the principal of the loan, repays 105.21 yuan in each installment. According to the IRR formula, Xiaoqiang’s actual interest rate on the loan is 45.39% per annum, which is higher than the legal interest rate of 24%.

Every time a reporter interviewed on the issue of issuing campus loans, he patted the loan and replied:

Since 2016, all student loan services have been cancelled. At present, the only student authentication system in China is not open to any internet financial platform, so it is impossible to accurately identify students’ identity directly through official channels (Xuexin.com, etc.). At present, the second identity confirmation is carried out through various third-party channels, including but not limited to the location information authorized by users and the common IP addresses when users log in to pat loans. At the same time, if you pat the loan, you will ask the user to refund the principal after learning that the borrower is a student, and immediately terminate the loan.

"Magic Mirror", a big data risk control system independently developed by Paipai Loan, will conduct differentiated risk pricing through the information that users can obtain on the Internet and the new news that they are authorized to obtain. In the case of strictly observing the relevant provisions of the state on borrowing interest rates, the borrowing costs incurred by different users, different borrowing amounts and different borrowing periods will also be different.

Is the fact really as described in the auction loan?

During the loan process, Xiaoqiang, a test student, truthfully filled in the address information of a specific school, and the contact person was also reserved for classmates, and still got the loan.

It is no problem to give different loan interest rates according to the lender’s credit status, but it also avoids the problem of usury: the actual loan interest rate is 45.39% per annum, which is higher than the legal interest rate of 24%.

Paipai Loan is a well-known leading enterprise in the industry. According to Paipai Loan official website, Paipai Loan (US stock code: PPDF) was established in June 2007. In October 2012, Paipai Loan was awarded Series A financing and invested by sequoia capital china. In April 2014, the second round of financing was completed by auctioning loans, and the investment institutions were Lightspeed China Venture Capital Fund, Sequoia China and noah wealth; In April, 2015, Paipai Loan completed the C round of financing, which was jointly led by Legend Holdings’ Junlian Capital and Heiner Asia, followed by VMS Legend Investment Fund I, Sequoia China and Lightspeed China Venture Capital Fund.

On November 10th, 2017, Paipai Loan was successfully listed on the new york Stock Exchange, and the latest market value on August 5th, 2019 was USD 1.14 billion.

By the end of September 2018, there were more than 83 million registered users.

● Li Lingpeng, lawyer of Sichuan Landmark Law Firm: Lenders cannot be allowed to audit themselves.

The annualized interest rate of 45.39% of the auction loan exceeds the legal upper limit. In the actual implementation process, if the borrower can’t repay the loan on time, the lawsuit can only be based on the annual interest rate of 24%.

In addition, although the loan was prompted on the application page, it actually failed to fulfill the audit obligation, which led to the loan being given to the students at school, which still violated the regulations prohibiting campus loans. Because the campus loan ban is aimed at the platform, then the platform has the obligation to review. The responsibility for failing to identify students lies with the platform, and lenders cannot be allowed to audit themselves. The reminder of "If you are a student at school, please stop borrowing" is tantamount to letting the lender audit himself.

In the process of borrowing from the loan platform, the test student Xiao Wang was still confused and was insured at a sky-high price, and the loan interest rate was as high as 71.56% per year!

Xiao Wang originally applied for a loan from 1000 yuan, but after the loan, it was found to be 1093 yuan, and 93 yuan’s principal needed to be repaid. The extra 93 yuan was an accident insurance product insured by Yi ‘an Insurance.

Not only are the products of Yi ‘an Insurance quietly tied up by the loan, but the premium is 100 times higher than that of similar products of Yi ‘an official website: 1000 yuan insured the accident insurance for 6 months, and the premium is as high as 93 yuan; However, the premium of similar products with a coverage of 100,000 yuan in official website and a one-year guarantee is only in 80 yuan.

How on earth was the borrower insured without knowing it before the insurance? This insurance process is extremely hidden, and no clear insurance tips are given throughout. When borrowing money, the borrower needs to click the "Borrower Protection Plan" at the bottom of the page to cancel the insurance. However, this borrower protection plan does not directly show that it is to buy insurance products, which is difficult for ordinary people to find, so it is tied to insurance in a muddle.

Image source: Photo courtesy of test students

The loan actually obtained by Xiao Wang, a test student, was 1000 yuan, which was repaid in six installments, each of which required repayment of 203.13 yuan, with a total repayment of 1,218.78 yuan. Using IRR formula, the annualized interest rate is as high as 71.56%, which is obviously higher than the legal interest rate.

National business daily interviewed the student about the loan, interest rate and sky-high insurance.

The reply to the question of allowing students to get loans is as follows:

The platform does not carry out campus loan business, and the platform strictly identifies users through technical means and manual audit, but it cannot be ruled out that users conceal their true student identity, and obtain credit by providing false information and falsifying application materials to avoid platform audit.

As for the annualized interest rate as high as 71.56%:

And the loan denied it, saying that the platform designed all the products and service models of the platform according to the limit of 36%/ year.

Regarding the issue of tying insurance, the loan explained that:

The platform and the insurance company are diversion cooperation. In order to improve the borrower’s ability to resist risks, the borrower’s accidental injury insurance is set up, and the user voluntarily purchases the insurance. The premium is priced according to the borrower’s qualification and the insurance company’s algorithm, and the insurance fee is directly charged by the insurance company, and there is no disguised beheading.

Then, according to the explanation of the loan, does it mean that it is a compliance platform?

In theory, it is impossible to exclude users from concealing their true student identity. Is this really the case? According to the video provided by the test students, the reporter also carried out the verification of Xuexin.com when registering, and the result showed that the student status information could not be found, probably because he did not graduate. Therefore, the excuse of the loan is simply untenable.

Image source: Photo courtesy of test students

In addition, according to the legal analysis of the above lawyers, the obligation to identify whether the applicant is a student lies in the platform. If the platform finally provides a loan to the lender who is a student, it is that the platform has not fulfilled its audit obligation.

However, the interest rate problem and the loan evaded the above-mentioned problem of the actual interest rate of 71.56% for student loans, and only denied usury, but did not point out that the calculation of the interest rate of 71.56% was wrong. The student’s entire loan process has video evidence, which can clearly calculate the annualized interest rate of the loan.

Regarding the tying of sky-high insurance, lawyers believe that the act of lending is suspected of violating the law, which violates the Electronic Commerce Law of the People’s Republic of China, the Insurance Law and other laws.

● Li Lingpeng, lawyer of Sichuan Landmark Law Firm:

First of all, tying insurance services in loan services is not prohibited by law, but the premise is that consumers must be clearly informed and agreed. However, the loan not only helps consumers to check the insurance services by default, but also directly infringes on consumers’ right to choose, which violates Article 19 of the Electronic Commerce Law of the People’s Republic of China, which stipulates that tying goods or services should not be used as the default consent option.

Secondly, according to Article 131 of the Insurance Law, insurance agents, insurance brokers and their employees shall not conceal important information related to insurance contracts in handling insurance business activities. In other words, when selling products, third-party platforms need to indicate the specific underwriting subject and sales subject, as well as the product record number and product terms link.

Third, the annualized interest rate of the loan is as high as 71.56%, which is obviously higher than the provisions of the Supreme Law on the interest rate of private lending.

In addition, judging from the public cases in recent years, courts at all levels generally do not support the "beheading interest" in private lending. On May 11th, 2017, Beijing Chaoyang District People’s Court held a press conference and issued a judicial proposal to the China Banking Regulatory Commission, suggesting that the CBRC issue detailed rules prohibiting the direct deduction of intermediary fees from the loan principal.

In view of the distorted "beheading interest", in the Notice on Standardizing and Rectifying the Cash Loan Business issued on December 1, 2017, it was clearly pointed out that the comprehensive capital cost charged by various institutions to borrowers in the form of interest rates and various fees should comply with the provisions of the Supreme People’s Court on the interest rate of private lending, and it is forbidden to issue or match loans that violate the relevant interest rate provisions of the law. The comprehensive capital cost charged by various institutions to borrowers should be converted into annualized form, and information such as loan conditions and overdue treatment should be fully and publicly disclosed in advance to remind borrowers of relevant risks.

On December 8, 2017, it was also mentioned in the Implementation Plan for Special Remediation of Network Microfinance Business Risks of Microfinance Companies issued by the Office of P2P peer-to-peer lending Leading Group for Special Remediation of Risks that the ratio of all borrowing costs and loan principal charged to borrowers in the form of interest rates and various fees should be calculated as a comprehensive real interest rate and converted into an annualized form. Check whether the comprehensive real interest rate meets the provisions of the Supreme People’s Court on private lending interest rates. Whether there are behaviors such as deducting interest, handling fee, management fee and deposit from the loan principal in advance or setting high overdue interest, late payment fee and penalty interest. Whether key information such as comprehensive real interest rate, loan amount, loan term, repayment method and overdue treatment are fully and fully disclosed to the borrower in advance and relevant risks are prompted.

According to the feedback from the test student Xiao Zhang, he got a credit line of 6,000 yuan in the 51-character APP. Behind the platform are well-known enterprises and funds such as CITIC Bank, JD.COM, Xiaomi, Yintai, the new lake treasure and Harvest Investment.

Taking a loan of 3,000 yuan and a loan of 6 months as an example, the 51-character APP shows that the total repayment amount is 3,522.6 yuan, the first phase needs to be repaid by 749.6 yuan (including the audit fee of 195 yuan), and the last five phases (one month each) need to be repaid by 554.6 yuan. According to the calculation formula of IRR, if Xiaoming succeeds in borrowing money from 51 people, the real interest rate is 60.09% per annum.

However, after Xiao Zhang submitted the loan application, the review failed. At the bottom of the notice of loan refusal, there is a 1-minute entrance to inquire about the reasons for loan refusal. You need to pay a fee to inquire about the reasons for loan refusal. Every time a reporter noticed, at the bottom of the page where the loan application was submitted successfully, it showed that you can also buy a time-saving service, and you can enjoy the service of up to 10 times compensation for overtime.

51 Character related staff told every reporter that the pre-credit line is not the same as the actual loan line, and the actual loan line will be determined according to the user’s review and evaluation of the platform’s risk control system; 51 personality risk control audit refuses the student group at school, so the platform will refuse its loan application.

51 character is a product of 51 credit card. According to official website, 51 Credit Card was listed on the main board of Hongkong in 2018. In May 2012, 51 Credit Card launched an app that can intelligently manage credit card bills with one click & mdash; — "51 credit card housekeeper". Up to now, 51 Credit Card has gradually developed a dynamic and self-reinforcing ecosystem, providing users with one-stop personal financial services covering personal credit management services, credit card technology services, online loan matching and investment services. It has a variety of apps such as "51 Credit Card Manager", "51 Personality" and "51 Personality Loan", with more than 100 million active users.

On August 5, 2019, the page of 51 people showed that the accumulated transaction was 77.59 billion yuan.

Image source: 51 character official website screenshot

The list of shareholders of credit cards (shown in official website) includes: China CITIC Bank, JD.COM, Xiaomi, Yintai, the new lake treasure, Harvest Investment and other well-known enterprises and funds.

Xiao Ming, a test student, gave feedback. He immediately took out a loan to register his mobile phone number, took photos of the front and back of his ID card, and performed face recognition. After submitting relevant personal information, he soon received an audit message: Your information did not meet the conditions for opening an account, and this application failed the audit!

Test student Xiaoming’s feedback: After registering the mobile phone number in Doudou Money, verifying the real name, filling in the relevant personal information, submitting it to the mobile phone operator for authentication, and carrying out face recognition, it is necessary to carry out credit card verification or provident fund account binding. Because Xiao Ming hasn’t graduated, he doesn’t have a credit card, and he doesn’t have a provident fund account, so he didn’t get the credit line of Doudou Money.

According to official website information, Doudou Money is a new Internet financial product launched by Weixin Jinke, with a maximum loan of 200,000 yuan. On June 21, 2018, Weixin Jinke landed on the main board of the Hong Kong Stock Exchange with the stock code of 02003.

Xiao Ming, a test student, said that Xiaoying Card Loan also needs to verify the credit card information, and it has not obtained the credit limit of the platform.

Xiaoying Card Loan official website shows that it is a product of Xiaoying Technology. Xiaoying Technology was established in March 2014 and listed on the new york Stock Exchange in September 2018 with the stock code XYF.

Tang Yue, the founder of Xiaoying Technology, is also the founder of eLong Travel Network. The shareholders of Xiaoying Technology also include: Zhu Baoguo (Chairman of Health Yuan), Chow Tai Fook Enterprise, Zhang Songqiao (20th in Hurun Real Estate Rich List in 2007), Xinhualian Group (000620), Yintai Group, Huarui Century Group, Golden Mantis Enterprise Group (parent company of Golden Mantis, a listed A-share company) and urban real estate.

Cover image source: Photo Network

Intern Zhang Ling, Yu Ling and Han Qingwei also contributed to this article.

(In order to protect the privacy of the parties, the test students in this paper are pseudonyms.)