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.)

　　CCTV News:According to the website of Beijing government affairs portal, on April 6, the Opinions of Beijing Municipal Education Commission on Doing a Good Job in Enrollment of Senior Middle Schools in 2017 (referred to as the "Opinions on Recruitment in 2017") was officially released. In 2017, the examination scope of the senior high school entrance examination in Beijing is broad, focusing on the ability to examine; The quota allocation batch plan accounts for not less than 50% of the high-quality high school enrollment plan, and further strengthen the quality education resources to the general junior high school; Build a talent training overpass and solidly promote the through-training experiment of high-end technical and technical talents; Serve candidates to choose, and fill in the volunteers after the exam.

　　According to the "Opinions on Bidding in 2017", on the basis of overall consideration of the changes in the number of candidates, the people’s demand for high-quality educational resources, and the demand for high-end technical and technical talents in the economic and social development and industrial transformation of the capital, it is determined that the enrollment scale of various senior secondary schools in this city will be 81,000 in 2017, including about 55,000 in ordinary high schools and about 26,000 in secondary vocational education. In the enrollment scale of secondary vocational education, the enrollment scale of five-year higher vocational education and through-training projects is 0.9 million, the enrollment scale of ordinary secondary specialized schools is 0.7 million, the enrollment scale of vocational high schools is 0.5 million, and the enrollment scale of technical schools is 0.5 million.

　　The examination scope of the senior high school entrance examination proposition is broad, and the examination ability is emphasized.

　　According to the "2017 Recruitment Opinions", in 2017, the city will continue to separate the junior high school graduation examination from the senior middle school entrance examination. All students enrolled in senior middle schools must take the 2017 Beijing Senior Middle School Entrance Examination.

　　The examination of enrollment culture course in senior middle schools is unified by Beijing Education Examinations Institute. The subjects of the cultural examination are Chinese, mathematics, foreign languages, physics and chemistry. Among them, full marks in Chinese, mathematics and foreign languages are all 120, full marks in physics are 100 and full marks in chemistry are 80. The score in the physical education exam is 40 points. The examination date of enrollment culture course in senior middle schools is from June 24 to June 26, 2017.

　　According to the person in charge of the Municipal Education Commission, the proposition of the senior high school entrance examination in 2017 will consolidate the reform results, continue to face all students, focus on stimulating students’ interest and confidence in learning, and let students gain a sense of accomplishment in answering questions. The test questions will choose a wide range of materials to integrate school education, family education and social education, and examine students’ mastery of basic knowledge and skills and their ability to ask, analyze and solve problems. In 2017, the proposition of senior high school entrance examination will continue to focus on the design of selected questions, reading examination and experimental inquiry.

　　Strengthen quality education resources and tilt to ordinary junior high schools.

　　According to the "Opinions on Bidding in 2017", in 2017, Beijing will continue to focus on the combination of high-quality resources and high-quality opportunities, and accurately allocate high-quality high school enrollment plans through high-quality high school "quota allocation", "municipal overall planning", "school number to school" and "rural plan" to promote the high-quality balanced development of compulsory education in urban and rural areas and promote educational equity. The quota allocation batch plan accounts for not less than 50% of the high-quality high school enrollment plan, ensuring that the chances of each general public junior high school student entering a high-quality high school are not less than 35%.

　　Fresh junior high school graduates who have the qualification to enter a higher school in an ordinary high school and have been enrolled in the same school for three consecutive years can participate in the above four types of enrollment. Among them, the "Rural Plan" has a minimum admission score of 530 points, and the "quota allocation", "municipal overall planning" and "school quota to school" have a minimum admission score of 500 points.

　　In order to give students and their parents a "reassurance" in advance, we will continue to print the enrollment plan of high-quality high school places in three years on the admission notice of freshmen in general public junior high schools to guide students to enter the school nearby.

　　According to the person in charge of the Municipal Education Commission, through the accurate allocation of high-quality high school enrollment plans, in the near future, it will enrich students’ choices for further studies, improve the opportunities for ordinary public junior high school students to enter high-quality high schools, stabilize parents’ expectations, reduce anxiety, and guide students to "study hard" at home; In the long run, it will play the leading role of high-quality schools, activate the internal vitality of running general junior high schools, improve the quality of running general junior high schools and the level of educating people, and ultimately benefit more and more students.

　　Constructing the overpass for talent training　Solidly promote the through-training experiment of high-end technical and technical talents

　　According to the "Opinions on Bidding in 2017", we will continue to explore new ways to cultivate high-end technical and technical talents in 2017, and solidly promote the through-training experiment of high-end technical and technical talents in accordance with the working principle of "striving for progress steadily, optimizing and perfecting". The project adheres to the training direction of vocational education and explores new ways to implement quality education; Promote education equity, improve the vocational education system, and build a "overpass" for talent training; Integrate all kinds of high-quality educational resources at all levels, closely meet the needs of the capital’s economic and social development and industrial transformation and upgrading, and jointly formulate talent training programs and plans through active cooperation with high-level universities and large enterprises at home and abroad to cultivate international, high-level, innovative and compound talents. In 2017, the relevant policies of the through-training experiment will be further improved, and the talent training plan will be further optimized, providing candidates with more choice channels, allowing students to choose the path of growth and success according to their own personality and specialties, so that every student can have a chance to shine in life.

　　Serve candidates to choose, and know how to fill in the volunteers after the exam.

　　Candidates who participate in through-training enrollment, quota allocation enrollment and unified enrollment enrollment need to fill in their enrollment volunteers online within the specified time. In order to facilitate candidates to choose the school and major that suits them, the way of volunteering in 2017 is still to fill in the report after the exam. Candidates who meet the application conditions and require further study must fill in the relevant application information online. Beijing Education Examinations Institute will publish the distribution of scores in all districts on the website of the Examinations Institute at the same time, so as to provide reference for candidates to fill in their volunteers.

　　It is an important measure for our city to implement the reform of the State Council entrance examination, embody the examinee-oriented, and provide quality services for candidates. Knowing how to fill in the volunteers after the exam is conducive to open and transparent information, to candidates’ choice of schools (majors), to reduce the risk of unsuccessful volunteers, to increase the chances of admission, and to candidates’ concentration on preparing for the exam.

　　The time for volunteering is July 5-July 9.

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　　Trx class 1 equipment package (body color door handle, front door accent lighting, full-length advanced upgraded floor console, heated steering wheel, internal auxiliary handle, IP LED ambient light tube, leather trimmed bucket seat, 4 front headrest, bucket seat, front heated seat, front seat backrest map pocket, electric four-way drive waist adjustment, electric four-way passenger waist adjustment, rear 60/40 split folding bench, luxury front door trim, Mopar bright pedal kit, cargo box lighting, electric 8-way driver/passenger seat, power adjustable pedal, advanced package dashboard baffle, rain-sensing windshield wiper, rear door accent lighting, storage space under rear compartment, rear window defroster, sun visor with illuminating cosmetic mirror, universal garage door opener).

　　Optional: Double-pane panoramic sunroof

　　The workmanship of 22 Dodge Ram Tyrannosaurus Rex completely got rid of the American roughness, and the edges and seams were carefully handled. Leather seats are independent, equipped with comfortable functions such as heating and massage. Each seat is independently equipped with a control handle, and each function is controlled by the occupant. All seats of Dodge Ram pickup truck are wrapped in leather, and the front row is also equipped with very practical sports seats.

　　In addition to its powerful power, the performance version of the 22 Dodge Ram Tyrannosaurus Rex is also first-class in its 1500TRX and off-road performance. The clearance from the floor of the vehicle is 28cm, the contact angle is 30.2, the departure angle is 23.5, the passing angle is 21.9, and the wading height is 81.28cm, which can correspond to most sections. In addition, the new car is equipped with an adaptive shock absorber from Bilstein, and the stroke of the front and rear wheels reaches 33/100.

　　The 22 Dodge Ram Tyrannosaurus Rex uses a supercharged 6.2-liter HEMI? HELLCAT V8 engine with a maximum horsepower of 712 horsepower and a maximum torque of 881 Nm. 1500 TRX has become the fastest, fastest and most powerful mass-produced half-ton pickup truck in the world. In terms of torque, TRX provides a new performance level with a speed of 0 to 100 km/h in 4.9 seconds and a top speed of 190 km/h.

　　Triple guarantee of car purchase

　　The first guarantee: the original regular commodity car ensures that the brand-new car is repaired without accident.

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　　(Customs clearance, commodity inspection, conformity certificate, invoice, electronic information QR code)

　　Atangge (Tianjin) International Trading Co., Ltd.

　　Liu Jingli 15102223918 (WeChat synchronization)

　　Disclaimer: The above car purchase preferential information is provided by the comprehensive dealers of this website, and the price fluctuates greatly due to market factors, which is only for car purchase reference; The distributor is responsible for its authenticity, accuracy and legality, and this website does not provide any guarantee or assume any legal responsibility.

1905 movie network news On February 4th, the film premiered in Beijing. Director and producer Tian Jiaoping took the lead and met after the screening, sharing the whole process of film creation with the guests and audience present.

The movie "Rambo Knocking" tells a lonely and warm family story between a truck driver and a left-behind child under the shell of a road comedy. In the film, Hui Wangjun, the actor of the truck driver, was originally a taxi driver, and the left-behind child edamame was also a boy who was selected from the local mountain village. Two amateur actors who "played in their true colors" finally won the recognition of the audience with their natural performance.

When director Bai Zhiqiang talked about his original intention of filming rattle, he said that he had contacted the group of left-behind children. Since then, he also felt that he had the obligation to let more people pay attention to them through movies.

In his view, it is not easy to shoot such realistic works, but it is essential in the film industry. "Some people say that I like to shoot marginal people. In fact, I think most of the 1.4 billion people may be closer to them, but they always don’t get much display on the big screen. With the media of movies, I should tell their stories, because they are the majority of the world and the’ main theme’. "

　

After the screening of the feature film "Rambo Knocking", a behind-the-scenes documentary short film was specially broadcast on the spot. Details such as the fact that the production team Cary has only 7 yuan left, and the vehicles on the set can’t even afford to add gas, also revealed that it is not easy for young directors to shoot virgin works.

At the scene, the producer and director revealed that the big scenes such as fireworks in the film were even taken by the villagers for the New Year. In the most difficult time, the hero Hui Wangjun even borrowed 30,000 yuan from his younger brother who opened a restaurant to support the crew to continue filming.

However, in addition to difficulties, the crew of "Rambo Knocking" is always full of happiness and hope. Director Bai Zhiqiang revealed that in fact, this work itself had considered inviting to star, but in the end it chose an amateur Hui Wangjun. However, if there is an opportunity in his next work, he will still leave a comedy role for Bo Huang, hoping to realize this cooperation.

The movie rattle will officially land in the national cinema on February 25, and the film will be shown on February 11.

The apple tree is the first in the tree world, and it exists at the beginning of everything. Whether it is the "forbidden fruit" in the Garden of Eden or the "golden apple" in ancient Greece, if we want to explore the source of culture, apples can’t be bypassed.

Nowadays, the "Apple", which lacks a bite, has strongly intervened and changed our lives in another way.

So why apples?

This article is selected from Chapter 17, Apple Tree, of Trees that Live for a Long Time.

01

Those famous apples and apple trees

In Song of Solomon, the apple tree is the most desirable tree in the forest, the lover’s love nest and pantry, and every breath of lovers carries the fragrance of apples. In the eyes of the Greeks, it is a tree of love and discord, because when faced with three goddesses who all thought the golden apple should belong to them, Paris made a difficult choice. He thought it belonged to Avelot Dite, the god of love. The rejected goddess Hera and Athena launched revenge and quickly escalated into an all-consuming conflict, which enabled Paris to win Helen of Troy in the disastrous Trojan War, but lost everything else.

Apple trees nourish both love and hatred, as you can see from the way the fruit grows. An apple that grows on a tree usually has a chubby cheek bathed in the late summer sun, and the other cheek is against a rough branch, pale and green. The sun plays a role in ripening and adding happiness to the branches of apples.

Apple is not only a close friend of the sun, but also the fruit of Poisonous Tree, which can grow rapidly in a heart full of repressed anger and jealousy. There is something about this kind of tree that produces perfect spherical fruit, which is suitable for the palm of your hand to grasp. We know this from the story of Snow White when we were very young. Under the shiny and lovely red skin, we sometimes find bug eyes, salamanders and completely rotten fruit stones. Not every bite is as sweet as it promises.

A falling apple seems to represent the end of vibrant beauty, which is a happy moment and a moment when everything has lost its future. In fact, however, a falling apple often means the beginning.

In 1665, isaac newton abandoned his research at Cambridge University because of the plague outbreak and returned to his family farm in Lincolnshire. In this season, a large number of apples in the orchard is a common sight, but in this year, he looked at it with a brand-new eye. Why did the apple fall to the ground? Why not fly into the sky or fly around sideways in the orchard? For this clever young mathematician, a quiet hour under that apple tree brought enlightenment and change. It was a tree of wisdom, a lucky fall, because the movement mode of the whole solar system was suddenly exposed in this fruit that was blown down by the wind.

Newton’s apple tree grew to a very old age and finally succumbed to gravity and collapsed in 1820, but the orchard survived and became a monument to the tenacious vitality of this apple tree. A branch of the fallen old tree has now grown into a stout old tree, which still bears many red apples every autumn. This ancient variety is called "Flower of Kent", and the fruit will change from green to orange and then to red during the ripening process.

Apple tree in front of Newton’s dormitory

The original tree left a small piece of wood, and now it is made into a snuff bottle and displayed in the manor house, just like some kind of sacred relic. There is a huge clock in the nearby isaac newton Shopping Center in Grantham. Every time the clock strikes the hour, a red plastic apple will ring the clock, scaring a sleeping lion and unsuspecting tourists. During the comprehensive reconstruction of this shopping center, the viability of this tree was severely tested, but the lion, the apple and the clock are still there. )

When the rainbow trademark composed of an apple and a leaf became the famous logo of the first batch of personal computers, which linked the era of gigabytes with the great Newton scientific revolution, Apple’s position as a tree of knowledge was further consolidated.

This symbol was also interpreted as a tribute to alan turing, who was an expert in code decoding, a computer pioneer and a homosexual. Homosexuality was illegal in Britain at that time, and his suicide in 1954 was related to the excessive pressure caused by it. When he was found, his body was lying next to a poisonous apple, which was bitten, just like the apple that Snow White had bitten.

Stills from the movie The Imitation Game.

This trademark may also be related to the youth revolution in the 1960s, because when Steve Jobs was 13 years old, his favorite band set up their Apple Record Company.

The Beatles presented their "Apple Company" to the business community, making this apple a symbol of youth culture. The hosts of pop music programs liked the first record released by this company with an Australian green apple as its trademark, because Hey, Zude was the longest single at that time, and the playing time of more than seven minutes allowed them to seize the time to have a cup of coffee before the end of "NaNaNaNaNaNaNaNaNaNaNaNaNa". The song on the B side of this record is Revolution. The Beatles’ fans made fresh preparations and flocked to the Apple store in Baker Street, only to find that they could not afford most of the things sold there, thus exposing the defects of this business model.

In the mythical kingdom of eternal youth, everyone eats apples, at least the ancient Celts thought so. This kind of fruit grows very luxuriantly in the mysterious Avalon Island. According to Tennyson’s imagination, there are "deep meadows, happiness and beauty, orchards and lawns everywhere". King Arthur, who was seriously injured and dying, was sent to this paradise island for healing.

Stills of TV series "The Legend of Merlin"

In the eyes of the Vikings, the powerful male elite gods also relied on Eden’s lovely apples to stop aging and death. The apple tree’s long-term connection with youth may be related to its relatively short life. Unlike oak or yew, apple trees often don’t live for 30 years. Before their slow-growing British compatriots really start to exert their strength, they grow rapidly and then fall down. They age at an alarming rate and become susceptible to unfortunate diseases, such as apple rot and scab. Even a healthy tree has rough brown bark, and its branches stretch at strange angles, as if it had hunched before it was old.

All the advantages of this tree seem to converge on the flawless red rose fruit. Some apple trees do live to be 80 years old, 100 years old or longer, but once these old and decaying trees stop bearing fruit and start to drop branches, there are not many days left.

02

The variety name of apple, alsofull ofstory

In the celebration of the 50th anniversary of Queen Elizabeth’s accession to the throne in 2002, only two old apple trees were included in the list of 50 "Great Britain Trees" by the Forestry Commission. One was Newton’s apple tree with great historical significance, and the other was the first "Green Treasure" apple tree in Southwell, Nottinghamshire.

Although Mary Ann Brailsford first cultivated this kind of apple tree with a seed during the Napoleonic Wars, Britain’s favorite cooking apple was named after the butcher Mr. Bramley, who bought Mary’s cottage garden in the year when Queen Victoria ascended the throne and saw the first batch of green apples swell on the branches. The real potential of this apple was soon discovered by the meriwether family, who owned a local nursery, quickly collected cuttings from Mr. Butcher’s tree and built an orchard.

The success of these apples is commensurate with their size, and their names are now well known, which also proves that an apple tree can become eternal in many different ways. The reputation of the "Green Treasure" apple could not protect the future of the tree, and it fell to the ground a few years later. However, the new roots and branches from the old trunk and a more enthusiastic owner made it enjoy fame and fortune again.

Since apple trees flourish and fall so fast, we might think that they reproduce quickly. In fact, few apple trees grow from seeds, because apple trees are heterozygotes, and their seedlings are generally very different from their parents.

Although Mary Ann Brailsford has achieved great success, it is unlikely that a tree cultivated with seeds will grow into a healthy and fruitful adult tree, which I discovered from a gardening experiment I did in my childhood. After planting some apple cores with great enthusiasm, I watched them grow into beautiful saplings first, and then gradually become stunted and distorted, which is not so much a tree as a poor imitation of it. There is indeed a tree that lived to adulthood, but it is by no means the tall, upright and fruitful tree I hope to see.

More experienced growers know that the best way to breed apple trees is to cut scions from healthy trees, that is, small branches, and then graft them on rootstocks. Through the hybridization of different varieties, new varieties of apples are constantly cultivated. The great apple tree belonging to Paul barnett made the news in 2013, because there are 250 different kinds of apples growing on it, all grafted on its hospitable branches. This amazingly lush crown is covered with bright fruits and the Yangtze River Delta-shaped Caiqi Yang with the name of each variety, which is so heavy that the trunk can hardly bear it, so each branch is supported by a stick. As a result, a strange, angular shadow appeared under this lush apple tree.

Apple trees are by no means an eternal part of British culture. On the contrary, apple trees have been changing in one way or another. Shakespeare once enjoyed an ancient ribbed apple named "Costard Apple", but when Richard Cox completely abandoned his wine-making business in 1820 and began to concentrate on cultivating apples in a manor near Slough, this Costard apple was basically extinct.

Like the fate of most famous apple trees, Cox’s first "orange peel flat" apple tree was blown down in 1911, but at the same time, the demand for these delicious dessert apples has been so great that it has many flourishing offspring. The display of different apple varieties is likely to be like a family gathering. "Stemme Pippin" is probably the hybrid offspring of "Libston Pippin" apple and a peerless apple.

Apple cultivation, regardless of rank, thrives in cottage gardens and big estates. Although the name of "Brenim Orange" is noble, it was actually first cultivated by a worker in Oxfordshire. Besides the orchard, where else can you see the grenadiers, Duke of Devonshire, Lord lambourn, Lord Burleigh, Prince of Wales, Anne Elizabeth, Reverend William Crump, and Australian Green Apple (literally "Granny Smith") together? (But the "Australian green apple" in the British orchard may taste sour, because it needs the sunshine from Australia to sweeten it. )

In addition to these wise and meticulous cultivation, lucky discoveries have always existed. For example, Beth Poole was named after the daughter of an innkeeper, and one day she found this sapling in the forest. Apple’s history is full of hard struggle and accidents, but there are also many stories about someone finding potential in an unremarkable young apple tree. Apple’s variety name is also full of stories behind it, but be careful, "Adams Pearman" has nothing to do with the world’s first gardener, it is named after Mr. Robert Adams. Moreover, if you think that the "Newton miracle" has something to do with Sir Isaac, it is all wet. It was first cultivated by Newton, the king of Derbyshire.

So there is nothing particularly "natural" about apple trees. Even their mature contours are often artificial. People like pruning apple trees, as if they can learn a trick or two with a little patience. But you’re right. After pruning by skilled hands, these apple trees can take on the most surprising shapes, such as pyramids, wine glasses, V-shaped armbands or peacock tails. The branches of the wall-type apple tree extend outward from the middle like a huge green seesaw. The name of this pruning method comes from the word "shoulder", because these oversized branches need support most when they reach the height of the shoulder. Pruning is not only for the pursuit of novel shapes, but also makes picking easier, ensuring that fruits grow more evenly and are fully irradiated by sunlight to achieve full coloring.

03

Apples also mean health and life support.

Apples have always been a basic and affordable food, whether they are eaten raw directly from trees or baked in pies, puffs, amber apple pies or pasta. In Britain, people who couldn’t afford a stove used to take apple dishes to the local bakery for cooking. These dishes need to be marked so as not to make someone angry because they took them wrong. Even bitter-tasting wild apples are seasonal gifts. They come from beautiful native wild apple trees and can be made into jam with sandwiches or meat dishes.

When I was a child, I always smelled jam when I came home from school at the end of September. My mother was busy cooking wild apples and slowly squeezed the thick dark pink jelly out of the homemade jam filter bag. The predecessor of this filter bag is an old pillowcase, which is tightly tied to the leg of an upturned curved wooden dining chair and hung in mid-air. Apples are rich in pectin, which is the favorite source of gel for vegetarians, so wild apple pulp can easily solidify into translucent sunset color in jars. Apple pectin can also help prunes, blackberries and green tomatoes to form jams and chutneys.

Apple pie

The ancient method of ripening tomatoes is to put an apple in a bag of tomatoes, which should be very effective, because apples naturally release a plant hormone-ethylene. However, some apple varieties have the opposite effect on human beings. Stem cells from a rare Swiss apple variety have been used to stimulate the growth of human skin and reduce wrinkles. Researchers are still exploring the effects of apples on preventing certain cancers and vascular diseases, as well as anti-aging.

An apple a day may become a prescription drug in the 21st century. With a smooth face and a body without pain, this dream is a modern version of the eternal country of youth, and the apple is still hanging there, inspiring us a new way to enter heaven. When those people throw the peeled apple peels behind their shoulders to learn the initials of their future spouses, who would have thought that these apple peels would later be found to contain triterpenes, an anticancer chemical?

Healthy, life-sustaining apples may look British, but this tree bearing edible fruit came to England with the Romans, who planted sweet orchards wherever they went. Apple is also the basis of American identity, not just for new york.

The legendary "Johnny Apple Seed" planted his nursery all over the eastern states, and constructed the myth of a strong, healthy and hard-working typical American farmer. For a family full of maternal love and apple pie, this is the image of an ideal father. However, by tracing the genome of apples, we now know that the ancestors of all domesticated apples in the world are Xinjiang wild apples, a native species in Kazakhstan. Almaty, the capital of Kazakhstan, means "the city of apples", and the ancient wild orchards growing on the surrounding hillsides may soon be officially recognized as world heritage sites.

Apple seed Johnny

Today, thousands of varieties are marked on the world apple map, and this map also records the changes of consumer trends. As people’s tastes change, commercial fruit crops will also change. Nowadays, the most popular apple in Britain is "Gala" from New Zealand, which tastes very sweet. Exciting fruit-flavored sparkling wine has been popular recently, which has promoted a large-scale tree planting plan. We may think of more traditional cider brewers, pushing their beautiful juicers from orchard to orchard to squeeze out the last juice in summer. In the barn where the smell of sweat and ripe apples is strong, apple pickers are paid cider, which is not helpful for them to speed up their work.

In contrast, modern fruit cultivation has become a highly commercialized and highly efficient mechanized industry. In 2012, international competition led to the introduction of new laws to protect special regional products in the European Union. As a designated product, Herefordshire cider can only be brewed with locally produced bitter apple juice, such as Brown Nose, Norman in Bulmer, Chisel Jersey or Kingston Black. These varieties are unlikely to be confused with French wine apples, but "Norman in Bulmer" reminds us that English apples and French apples share the same blood.

Changes in tastes and commercial pressures mean that many old varieties with interesting names have almost disappeared in Britain, but now people are trying to preserve traditional orchards. London is unlikely to be the birthplace of Apple’s initiative, but in October 1999, the city held its first "Apple Day". In an exciting few hours, the British charity Common Position reused Covent Garden, which is dedicated to restoring the connection between commodities and nature and emphasizing regional specificity.

"Apple Day" aims to raise people’s awareness of caring for orchards by holding such a folk festival that reminds people of old England and is about to be forgotten. This is a festival for fruit growers, and it is held for those who love the prospect of rural life, and those who eat healthy food and are eager to be closer to nature.

"Apple Day" is St George’s Day in the new era. People from all political factions and social classes get together every year to enjoy apple pie and cider. Rich apple varieties have become a perfect symbol of regional characteristics and sharing spirit, so this festival is now blooming all over the country, but the specific date varies slightly due to different local varieties and picking time: in the middle of Wales, it is in mid-September, and in the Scottish border, it is in early October. Even the chopped apple tree sawdust is added to the festival to cook the barbecue with apple flavor.

Those who are not so interested in all vegetarian stalls and the "apple souffle" that emphasizes natural health and sprinkled with apple seeds will fall in love with bacon smoked with apple wood. Such bold traditional innovation may attract questioning eyes, but it will also make people admire apple growers’ keen market vision and their determination to remind modern consumers where their daily diet comes from.

04

The fruit of midsummer indicates that the days will get better.

In children’s eyes, apple has been inseparable from the computer industry, but with the help of this electronic product with the same name as the fruit tree, they can see the apple pickers in Kashmir or Chile, and then think about how much labor has been invested in the six clean and beautiful apples on the supermarket shelves. An apple has established direct contact with people in different parts of the earth. Before the end of apartheid in South Africa, the "Australian Green Apple" from this country was not popular in many parts of Europe.

However, an eternal question is, for those who work in orchards, is boycotting fruits helping them or harming their interests? You can still learn a lot from apples that are not electronic products. Staying under an apple tree for an hour not only sows the seeds of farmers and gardeners, but also cultivates future botanists, chemists, physicists, artists, economists, political scientists or business giants.

Apple logo

When you see growing apples in a real orchard, it is not difficult to understand this kind of fruit in the refrigerator. You can tell when an apple can be picked with a slight twist. If it is ripe, the fruit stalk will automatically loosen, so that the apple can be detached from the tree and held firmly in your palm; If you don’t pick them at the right time, the apples will pour down like cricket and bruise when they land. They often hide in the long grass and wait quietly until someone feels a brown sticky thing crushed under their feet.

These trees provide a way to explore nature and talk to all our senses. We can touch the rough bark, smell the ripe fruit, and listen to the buzzing of bees or the drumming of woodpeckers on dead branches. The ancient orchard is a paradise for some of the rarest and most beautiful species. Although the giant crowned salamander or scarab may be hidden out of sight, a small brown woodfinch may be crawling up and down the trunk slowly. On a moonlit night in September, you can even see a badger with a light-colored back eating fallen fruit, or a fox sticking out its long and elegant mouth to bite the fruit on the lower branch.

Of course, the charm of apple trees does not only appear in autumn. In Van Gogh’s eyes, the most important thing is apple blossom, and the most ugly deformed branches suddenly become beautiful, which means creativity. The petals, which are light in color and as light as down, suddenly open and breathtaking in beauty, which can cover the roughest and gnarled old trees with brilliant clouds. Earlier, when the dawn began to fall, you seemed to see these trees yawning, stretching their bodies and shaking their twigs. The buds on the tree seemed a little uncertain at first, but they gradually lit up every branch regardless of the lingering threat of frost, just like a sleepy smile blooming into a bright but firm smile. This seasonal commotion is presented in C. Under the bright green sky, butterfly-like flowers seem to be dancing with twisted branchlets.

Still Life and Apple, Van Gogh

CamillePissarro described the apple trees in picardie again and again, and he was deeply awed by the splendid dressing in spring, the lush in summer and the naked silhouette in winter. As white as a cotton shirt in spring, it has the same atmosphere as warm and mottled apricot yellow and dark yellow in autumn. Pissarro’s apple-centered world is a busy pastoral, with the emphasis on crooked branches and heavy wheelbarrows. But in the fields around the French island region, these very unique fruit trees are the real regional characteristics.

When the British war painter Paul Nash arrived in northern France in 1917, the scenery was completely different. He wrote a letter to his wife in the trench, describing a French village after being destroyed by war. "In the bright trees and the remaining orchards, there are piles of bricks, overturned roofs and only half of the houses left." Nash described the damaged orchard. In the amazing picture, the crown of the tree was blown off, the outline of the trunk was like broken glass, and the apple tree became a dark and twisted image, reaching out helplessly to the sun. These emotional paintings by him most powerfully show the absolute fear caused by World War I, and depend on people’s common understanding of the true meaning of apple trees.

This is a tree that should grow quietly in France, Britain and Germany, so that the new generation of young people in these places can pick, eat or drink their fruits, just like their fathers and grandfathers. The apple tree is a tree of life, but it is also a tree of knowledge, which makes people distinguish between good and evil and bears fruits that human beings can’t resist and possess regardless of the consequences. The destroyed orchard shows what the survivors of shell-shocked patients can’t say. What new beginning can there be in this ugly and barren ruin?

Nevertheless, there is still a deep and eternal desire to regain heaven and start over. Dylan Thomas was born just after the war broke out in 1914, but when he looked back on his childhood, he remembered that he had spent an idyllic childhood under the apple tree, and his heart was full of happiness. Here, the apple tree is not blamed, it shines in the eternal glory of lost youth. When the poet wrote this poem in 1945 and looked back on his early years as the "Prince of Appletown" with nostalgia, he had clearly realized the chain of time.

Rosie and Cider, written by Lori Li, translated by Zhu Lanlan/Zhouyi, Jiangsu Literature and Art Publishing House.

Rosie and Cider is a memoir of Laurie Lee’s childhood in the Cotswolds in the 1920s. The title comes from his first experience of tasting cider: "Those valleys, the golden juice of that time, the taste of this wine comes from wild orchards, from reddish-brown summer, from full red apples, and Rosie’s hot cheeks." This is a vivid personal record, not only of childhood, but also of intoxicating apples growing in heaven. People born after the war still show the same impulse to the Garden of Eden and regain their youth and innocence. No matter how much chance they have, no matter how much they pay, no matter what ruins are around them, they must start again.

In 1939, the war shook Europe again, but in the sound of gunfire and air raid alarms, people continued to quietly plant fruit trees and harvest fruits. Adrian Bell’s An Acre of Apples recorded a small farm in Suffolk during the Blitzkrieg, which also proved that apples are full of resistance and remain young forever. With the implementation of wartime rationing system, home-grown fruits have become vital to survival, and apples that can sustain life also have special value. When the British are trapped in the ice and snow and wandering on the unknown border of hell, the apples taken out of the storage box will be redder and brighter than when they were first loaded. These shiny fruits remind people of the summer time and also indicate that the days will be better. The apple tree means starting point, childhood and Eden, but it also means enlightenment, experience and future. If apple trees are often blamed for human misfortunes, they still have the extraordinary ability to continue to grow and let us start over.

This article is excerpted from

Trees that have lived for a long time

Author: [English] Fiona Stafford

Translator: Wang Chen/Wang Weiting

Producer: Unread Exploration Plus

Press: Beijing United Publishing Company

Publication year: May, 2019

Edit | Aries

Editor | Wei Bingxin

　　Beijing, April 27, 2007 (Reporter Yang Sen) According to the News and Newspapers Summary of China Voice of China, the Central Radio and Television General Station, many foreign trade enterprises actively resumed production due to the global COVID-19 epidemic, and suffered from the difficulties and challenges of order cancellation and short-term decline in external demand. Relevant departments and local governments have introduced a series of measures to help foreign trade enterprises expand the domestic market.2020-04-27 news and newspaper abstracts > > >

　　Zhejiang Yueli Electric Appliance Co., Ltd. is the world’s largest manufacturer of hairdressing products. In the first two months, the company has been worried about the uncertainty of foreign orders. After turning to domestic sales, the sales of hair dryers and curling irons of Yueli Electric Appliances have doubled. Since the Spring Festival, the company’s domestic sales have exceeded 100 million yuan.

　　Fang Guohong, Chairman of Yueli Electric Appliance Co., Ltd.: Now the domestic demand market in China is really very big, including our personal care electrical appliance industry, which is growing at 20% every year.

　　While foreign trade enterprises use the e-commerce platform to release new kinetic energy and find new growth points, the government also takes action.

　　Yan Jieqing, Chief of Digital Economy Section of Cixi Economic and Information Bureau, Zhejiang Province: Encourage foreign trade enterprises with manufacturing strength to actively cooperate with domestic Internet enterprises. If the sales in that year reach 10 million on the platform, we will make up 5% of the sales amount.

　　At present, a series of national policies to stabilize foreign trade have also accelerated: full tax refund for 1464 products; Add a number of cross-border electronic commerce comprehensive experimental areas; For the first time, the Canton Fair was held online to escort enterprises to cope with the crisis.

　　Bai Ming, deputy director of the International Market Institute of the Research Institute of the Ministry of Commerce: Enterprises should pay attention to the establishment of R&D and marketing channels, and government departments should also help enterprises and provide them with various information and financial support. Enterprises and the state should work together.

　　Faced with increasingly stringent fuel consumption and emission requirements, the production of new energy vehicles has become the most effective solution for major automobile manufacturers. Electrification will be the core strategy of Volkswagen in the next 10 years. To this end, from 2020, Volkswagen will produce pure electric vehicles on MEB platform, taking into account plug-in hybrid vehicles, and will become the main production platform for new energy vehicles. This article will show you in a simple way: what technical characteristics the Volkswagen MEB platform has, which models will be born here, and how to understand the MEB platform for consumers and even the automobile industry.

　　What you need to know about platform concept

　　From the earliest PQ platform to the current MQB modular platform production mode, Volkswagen has become the first manufacturer in the automobile industry to put forward the concept of platform. In addition, its great success in the China market has not only made it the largest automobile company in the world, but also revolutionized the entire automobile industry with the concept of platform production. Modular platform production mode can keep the convenience of product technology upgrading, and can help the public shorten the development, production and listing cycle of automobiles and reduce manufacturing costs. The universality of MQB platform saves 20% of the manufacturing cost for Volkswagen Group.

　　Under the general trend of new energy, MEB platform will be built for the production of pure electric vehicles and plug-in hybrid vehicles from 2020, and become the main production platform for Volkswagen new energy vehicles. Compared with other brands’ practice of launching a single model, it is obvious that Volkswagen intends to achieve comprehensive coverage of all levels of models. In the next five years, Volkswagen expects that the pure electric vehicles produced can account for 20%-25% of the total sales, and the return on capital of the automobile business department will be raised to over 15%. According to the official data of Volkswagen, the manufacturing cost of the first model ID.3 of MEB platform is reduced by 40% compared with the e-Golf pure electric golf of MQB platform.

　　Technical characteristics of MEB platform

　　MEB platform is called "Modular Platform for Electric Vehicles", which is short for "Modular Electrification Toolkit" in German. MEB has many similarities with the current MBQ, which is based on the concept of Volkswagen modularization, and has strong expansibility. It can build different body wheelbase and different adjustment and cruising range according to the demand and positioning, but it has its own characteristics in layout structure due to the removal of the traditional internal combustion engine and the increase of power batteries.

　　The core components of MEB platform, such as battery pack and motor, are all set with fixed positions and modes. The battery is embedded in the bottom of the vehicle as a whole, and the axle module and the transmission system module are moved forward and backward as far as possible, so that the produced vehicle has a longer wheelbase and a shorter front and rear suspension, which maximizes the space and brings more cockpit space and a higher sitting posture.

　　The most important part of the power battery, Volkswagen independently developed the design of the battery Package. The basic structure of this battery Package can be used on all MEB platform models, and the number of battery modules can be freely allocated according to the size of the models. Each module is divided into 24 groups of batteries, and the modules, together with the cooling device and the junction box of the high and low voltage vehicle system, are wrapped in aluminum casings. The power battery voltage of the original MEB platform was fixed at 408 volts, which was much higher than the 230 volts of the existing new energy vehicles on the Volkswagen MQB platform.

　　The new platform takes into account the compatibility of the current mainstream flexible battery cells and prismatic batteries, so Volkswagen has maintained a very high degree of flexibility in cooperation with battery suppliers. Taking ID.3 as an example, the battery pack can accommodate up to 12 modules, and the usable capacity exceeds 77KWh；; The initial capacity of ID. which will be listed at the end of next year can reach 83KWh, and the future Volkswagen electric flagship ID.Vizzion can even reach 111KWh.

　　MEB modular platform processing has brought about changes in production technology, and will also configure the required software systems for its models to realize digitalization, networking and fully automatic driving. At present, it can achieve high compatibility with MQB platform models, and the upcoming Golf 8 is the latest model with digital and networked equipment.

　　What models will be available under MEB platform?

　　Volkswagen Group plans to launch more than 80 new energy vehicles by 2025, including 50 pure electric vehicles and 30 plug-in hybrid vehicles. The annual sales will reach 3 million vehicles, accounting for 20%-25% of the company’s total sales. Volkswagen’s three joint ventures in China, FAW-Volkswagen, SAIC-Volkswagen and JAC-Volkswagen, will be important supports to boost sales in China market.According to the planning of Volkswagen Group, by 2022, Changchun, Qingdao, Anting, Foshan and Yizheng will each have a new energy factory.

　　In 2020, it will be the first to launch ID.3 and ID. At first sight in the domestic market, and then it will launch Audi Q4 e-tron and Skoda VISION IV production version. Among them, ID. At first sight, it will be manufactured in Shanghai Anting Factory together with brothers of Audi and Skoda. As the flagship of the family, the production version of I.D.VizzionID.5It will be the first to be listed in China in 2022. This car is positioned as a medium-sized car. Foreign media speculated that ID.5 is likely to be the successor of Volkswagen Passat.

　　Volkswagen regards ID.3 as the third groundbreaking product after Beetle and Golf. ID.3 is the first pure electric vehicle developed by Volkswagen based on MEB platform.It can be seen as a pure electric version of golf.In the future, smaller models than ID.3 will be named ID.1 and ID.2, and larger models will continue to use this naming method until ID.9. It is reported that Volkswagen has also applied for trademark protection of the letter "X", which will be used for SUV models.

　　The I.D. series has appeared in a number of concept cars, namely, ID CROZZ II, ID Vizzion and ID BUGGY concept cars, except for domestic ones.ID.3, ID. Beyond the first sight,There will be many models in the I.D. series, among which the ID CROZZ II corresponds to the ID.4GTX. It will be an SUV with a dual-motor layout and a standard Tesla Model X.

　　At the latest, by 2030, more than 300 models of the Group’s brands covering all levels of the global market will launch at least one electric version. The "Roadmap E" strategy is an extension and upgrade of the electric product planning in the "2025" strategy, which will not only promote the electric product planning of Volkswagen Group, but also greatly accelerate the electrification process of the group’s vehicle lineup.

　　Not only MEB but also high-end PPE/JI.

　　Just as Volkswagen’s high-end luxury cars use MLB platform at present, in order to cope with future electrification, if MEB platform is the MQB platform for standard gasoline vehicles, then Volkswagen’s high-end gasoline vehicle platform MLB should also have a pure electric cousin-it is called PPE(Premium Platform Electric).

　　The PPE platform is jointly developed by Audi and Porsche. Its predecessor is Taycan, the first pure electric vehicle model of Porsche, and the Audi e-tron GT which will be mass-produced soon. In addition, there is a higher-end Bentley J1 pure electric platform. The PPE platform is expected to be launched in 2021, and its main technical highlights are also more advanced, including supporting air suspension, dynamic torque distribution, unsprung lightweight, 800-volt high-voltage power battery, and 350kW ultra-high power fast charging.

　　MEB will promote the upgrading of China auto parts industry.

　　China is undoubtedly Volkswagen’s largest market in the world, and Volkswagen also needs to accelerate the development of new energy vehicles on the basis of the existing product system. The brand-new platform can be completed not only by Volkswagen itself, but also by completely innovating the whole supplier system, which not only brings more new vehicle choices to domestic consumers, but also promotes the upgrading of China’s electric vehicle industry.

　　Just like the reform and development in the past, the introduction of the concept of automobile joint production has promoted the development of automobile supporting industries in an all-round way and made China the largest automobile production and consumption market. By 2025, Volkswagen and joint ventures will invest a total of about 10 billion euros in electrification, including the research and development and production of electric vehicle products and the update and application of equipment, production lines and battery modules, but excluding the purchase of batteries. Volkswagen also plans to invest 75 million US dollars to start the motor production and transformation work in the Volkswagen gearbox Tianjin factory in December 2018.

　　Summary: In the MQB era, Volkswagen has proved the advanced nature of modular production. Compared with Volkswagen, the brand-new MEB modular platform not only embraces the development trend of new energy, but also starts a new business for Volkswagen in the new period and continues to lead the development of Volkswagen. Every technological innovation will bring about the industrial upgrading of the whole industry. Compared with some brands that only introduce a few pure electric vehicles, Volkswagen’s approach is more systematic. The investment in research and development in the early stage and the turnaround of giants will bring greater domino effect, which will have a far-reaching impact on domestic auto parts industry and consumers, but also on future travel.

　　CCTV News:On August 6, US sanctions against Iran came into effect again. Bloomberg pointed out that under this round of sanctions, Iran’s economy is close to the brink of crisis. The Iranian currency Rial has been falling all the way, and domestic grievances have accumulated. In recent days, people’s demonstrations broke out in the streets of Tehran, Isfahan, Hamadan and other cities in Iran.

　　Iranian young people satirize the current domestic problems in Iran on social media. The Iranian youth showed that the Iranian currency Rial with a denomination of 10,000 was rapidly shrinking. In the shadow of sanctions, the Iranian currency Rial plummeted. People have expressed their dissatisfaction.

　　Iranian peoplePeople have the right to protest that economic and social problems are all related, and how much more can we bear when people are under great pressure.

　　Iranian protestersLet’s build our country with our hands. Don’t be afraid, as long as we unite with domestic and foreign forces.

　　Rouhani’s government is under unprecedented pressure, and Rouhani himself is constantly being questioned by the Iranian parliament. Qatar Al Jazeera commented that the United States hopes that Iran will achieve regime change through civil strife.

　　US Secretary of State PompeoIt’s time for the Iranian regime to look in the mirror. The Iranian people urgently need economic, political and social changes.

　　According to the British "Guardian" report, the United States has close contacts with Iranian opposition organizations in exile. Rajavi, leader of the exiled Iranian opposition "People’s Mujahideen Organization of Iran" (MEK). She advocates regime change in Iran. It is reported that US national security adviser Bolton met with Rajavi in Paris in 2017 and said that the United States supports regime change in Iran and hopes to reunite with the organization in 2019. Some media have linked this time of the ultimate sanctions to be introduced by the United States in November with the date of 2019.

　　The Guardian noted that the Iranian People’s Mujahideen Organization has long been listed as a terrorist organization by Iran, the United States, Canada and the European Union. According to the statistics of the US Department of Justice, since the Iranian revolution in 1979, terrorist attacks in MEK have caused at least 10,000 civilian deaths. On August 7th, Iranian President Rouhani responded.

　　Iranian President RouhaniI think if we can unite as one, we can make Americans regret it soon. If we can successfully cooperate well with other countries in the world, Americans will realize that their sanctions are ineffective and will come back sooner. "

　　In response to people’s demands, the Rouhani administration arrested the deputy governor of the Iranian central bank in charge of foreign exchange, and stopped buying non-essential goods to reduce the consumption of foreign exchange.

　　Facing the most influential oil trade, the Rouhani administration lifted the state monopoly on oil trade and allowed private channels to buy and sell oil, because the US sanctions mainly targeted Iranian government agencies and officials.

　　In the transactions with Turkey, India and some African countries, the US settlement is circumvented by barter or local currency settlement. Iranian businessmen also evade sanctions by purchasing overseas nationality and registering companies overseas. The external pressure from the United States has also made many political elites and people vigilant.

　　Tehran citizen AryanTrust in America will lead to nothing but failure. We must rely on our own strength.

1905 movie network news Twenty-three years ago, the animated film Haier Brothers came out, which became the first popular science animated feature film in China, and made a great contribution in the history of original animation in China. Twenty-three years later, the new animated film "The Adventure of Haier Brothers" moved the story background to the space and continued to lead a new generation of children and audiences to explore unknown mysteries. The play premiered on Tencent Video, Iqiyi and other platforms on September 17th, and was updated at 16:00 every day from Monday to Friday.

Stimulate imagination and explore spirit

The Haier brothers once crossed the North Pacific Ocean, went deep into the Arctic, got to know Eskimos, witnessed the wonderful phenomena of nature such as extreme daylight and mirage with their own eyes, and completed a global adventure with friends. This cartoon has far-reaching educational significance, is entertaining and won the audience’s love. It won the Golden Boy Award and the Golden Eagle Award successively, and became an excellent original children’s cartoon in China in the 1990s.

In this new animation, the Haier brothers remain unchanged, and as always, they stick to the main line of transmitting knowledge and inspiring imagination, and take accompanying children to grow up healthily as their mission. Haier Brothers Cosmic Adventure focuses on knowledge and exploration, not telling children the standard answer or "what", but encouraging children to actively seek knowledge and explore "why". In the Haier Brothers’ world, every child is "unique", and the purpose is to respect children’s interests, stimulate their imagination and exploration spirit, and let them develop their personality and wisdom.

This time, the Haier brothers are going to explore the vast universe, get in touch with powerful intelligent creatures and alien civilizations, and lead children to see more cutting-edge technology, which will greatly broaden their horizons. At the end of each cartoon, there is a small knowledge class, such as "How big is the universe" and "What is a nano-robot", which transforms the storyline mentioned in the feature film into small knowledge of popular science. This knowledge transfer based on the plot is more enlightening than blunt indoctrination, which can be described as the integration of wisdom and interest, which will greatly broaden children’s knowledge and acceptance.

Realize self-transcendence

Haier brothers subverted the traditional creative mode.Before the production of "Haier Brothers Cosmic Adventure", it was convenient to interact with small audiences on the material, character design and content of the animation, and went to primary schools and kindergartens in many cities to have face-to-face communication with children, and guided the design and production of cartoons according to the voting results. This kind of interactive creation subverts the closed production mode of traditional cartoons, connects producers and users, draws inspiration and suggestions from the target audience, and creates fine products that the audience loves and recognizes.