The hot summer is the season for young people to "show off their figure". It is not bad to lose weight in March and April when they have poor appetite and sweat a lot in summer. But when it comes to losing weight, you must also have many questions. Losing weight is always unsuccessful. What is the problem? There are many controversial topics about diet to lose weight. Today, I will pick out 15 most frequently discussed issues to help you reduce this fat clearly.

　　1. Can Pu ‘er tea and green tea lose weight?

　　If drinking Pu ‘er tea and green tea can reduce weight, it is estimated that Chaoshan area is thin, but it is not.

　　Tea contains a lot of tea polyphenols, catechins and some trace elements, which is a very healthy drink and can protect cardiovascular and cerebrovascular diseases. A small amount of caffeine in tea plays a role in improving metabolism. It is really good to drink tea during weight loss, but it is not recommended to buy tea polyphenols products to lose weight in the market.

　　2. Can coffee reduce weight?

　　If sugar or cream is added to coffee, the calories are not low, and even black coffee without sugar can only temporarily improve metabolism.

　　Although coffee can promote weight loss, it contains caffeine, which is not suitable for everyone, especially for people with poor caffeine metabolism.

　　3. Can enzymes lose weight?

　　Enzymes are actually enzymes, and good quality enzymes have a good effect on regulating intestines, such as constipation. Then why do many people feel that they have lost weight after eating enzymes? Because after the intestines are healthy, more intestinal waste will be excreted. There will be some garbage left in our intestines. If there is more garbage, you will naturally lose a few pounds.

　　Moreover, when you drink enzymes, the merchants will ask you to cooperate and eat less food. The total calories are reduced, and the weight loss is normal, just taking advantage of the deficit of total calories.

　　4. Can you use food to lose weight?

　　Generally speaking, if you lose weight through diet, you will lose weight all over, and you will not lose weight alone. But the body is like a very precise instrument. If you have more fat on your waist, it will tend to lose more fat on your waist.

　　However, if you have a need for local shaping, it is still recommended that in addition to diet and the guidance of sports coaches, the effect will be better.

　　5. Can you eat spicy food to lose weight?

　　In fact, the heat of pepper is not high, and it can also accelerate metabolism. But why do so many friends still ask? That’s because most foods with Chili peppers are accompanied by a lot of oil.

　　For example, Sichuan hot pot and Hunan cuisine are typical representatives. Pepper is not the problem, oil is the reason.

　　6. What should I do if I lose weight during the physiological period?

　　First, don’t eat spicy food, and secondly, don’t eat cold food, such as lemon, watermelon, pear, etc.

　　Menstruation needs more nutrients such as protein and iron, which can increase the proportion of red meat and animal blood;

　　Eating more miscellaneous grains and increasing the intake of B vitamins will help alleviate emotional problems;

　　Dairy products, laver, bean products, kelp and other foods help to increase the intake of nutrients such as calcium and magnesium and relieve dysmenorrhea.

　　7. Will losing weight lead to hair loss? What should I do?

　　Improper weight loss can really cause hair loss.

　　First, iron deficiency can cause hair loss. Check whether you eat less meat because of weight loss, especially red meat rich in iron.

　　Second, insufficient intake of protein can also cause hair loss. When protein deficiency is serious, hair will become thin and dry. Increase the intake of meat, eggs and milk beans.

　　Third, trace elements such as manganese and zinc are insufficient. Meat and nuts are good sources of trace elements. Insufficient calcium intake, fat metabolism is more than usual during weight loss, and more ketone bodies are produced, which requires calcium ions to balance.

　　In order to avoid hair loss, usually eat more dairy products and soy products, and pay extra attention to supplementing vitamins and minerals during weight loss.

　　8. Can you recommend some diet food?

　　In fact, there is no absolute diet food, and there is no "negative calorie food". For example, cucumber is low in calories, but it is far from enough to consider calories only. It is more difficult to lose weight after malnutrition.

　　If you always stare at some "diet food" to eat, it will definitely cause malnutrition in the long run. Hair loss, anemia, delayed menstruation and poor sleep followed.

　　9. How to distribute three meals a day is better?

　　It is suggested that the ratio of 30% for breakfast, 40% for lunch and 30% for dinner be allocated.

　　Eat "good" breakfast. Choose foods that are easy to absorb and digest, rich in protein and less greasy, such as eggs, bean products and dairy products. In addition, it is more perfect to eat appropriate fruits and staple foods, plus a handful of nuts.

　　Have a full lunch. The quantity of protein should be matched with vegetables reasonably. Eat less or avoid high-fat food.

　　Eat less for dinner. Choose light foods with high dietary fiber content, such as vegetables, soups and porridge. Staple food can be reduced appropriately.

　　10. What foods are absolutely inedible?

　　Unless you are sick, there is no food that you must not eat. Just because of losing weight, it is not recommended to eat some foods with high calories or too fast sugar rise. The details are as follows: animal skins, fat meat, frying, cakes, bread, drinks, candy, wine, excessive salad dressing, greasy hot pot sauce, thick soup, etc.

　　11. Why do you get fat when you drink?

　　First of all, among all the nutrients, three productivity nutrients (protein, carbohydrate and fat) can provide energy. Where 1g protein =4kcal, 1g carbohydrate =4kcal and 1g fat =9kcal. However, each gram of ethanol produces 7kcal of heat, second only to fat.

　　Secondly, alcohol metabolism needs to pass through the liver, and the metabolism of the liver is slow, so fat is naturally easier to accumulate.

　　12. Are there any ways to reduce appetite?

　　You can use some tips to reduce your desire for food. For example, drink a glass of water and soup half an hour before meals. When eating, eat foods rich in dietary fiber, such as vegetables, to increase satiety. Chew slowly when eating, use small portions of tableware, and visually "cheat" the brain.

　　13. Can I have a midnight snack when I lose weight?

　　You can eat it, but the following points should be noted:

　　First, choose foods with low fat, low calorie, high nutritional value and easy digestion, such as milk, soybean milk, miscellaneous grains porridge, vegetable soup and fruits.

　　Second, avoid indigestible foods, fried, high-fat, sweet, spicy and irritating foods.

　　Third, try not to eat for 3 hours before going to bed. It takes at least 2-3 hours for food to empty from the time it enters the stomach. Going to bed after eating, food still stays in the stomach, which not only affects fat loss, but also imposes a burden on the stomach.

　　14. Can you lose weight by eating oats?

　　Oats can’t lose weight, but why do oats always appear in the list of foods that must be eaten to lose weight?

　　That’s because oats are rich in β -Dextran can make us feel full and reduce our food intake. And oats can help delay the rise of blood sugar after meals, make blood sugar more stable and reduce insulin resistance.

　　15. What foods should I eat less during weight loss?

　　The following types of food are recommended to be eaten less:

　　Animal skin. Everyone knows to eat less fat, but animal skins are often easily overlooked. In fact, animal skins contain higher fat content.

　　All kinds of sauces. Salad sauce, cream sauce, hot pot seasoning, etc. are high in calories, so it is easy to eat too much while dipping in the sauce.

　　Soups. In particular, the broth contains a lot of animal fat, and it is even more inappropriate for uric acid is too high people to drink too much.

　　Processing food, beverages, cakes, sweets, etc.; Fried food, hamburgers, French fries, fried chicken, etc.

　　Text/Chen Lijuan (registered dietitian in China)

　　BEIJING, April 1 (Xinhua) According to the BBC Chinese website, at present, in order to cope with the COVID-19 crisis, all countries in the world have adopted different isolation measures. Residents in different countries or regions have different coping methods, some of which are very creative and some are thought-provoking, and have developed a unique "epidemic culture".

　　In Italy, people who live in isolation at home sing opera on the balcony to express their emotions. In France, wine shops sell customers a special "essential package to resist the epidemic". In Germany, people who love nightlife begin to enjoy party at home.

　　According to the report, in many ways, the epidemic highlights the different unique personalities of countries around the world and shows the diversified life of countries around the world under the depressed isolation life.

　　France

　　Without the bakery, France is no longer France. Traditional berets may have gone out of fashion, but French baguettes will never, even during the global epidemic.

　　Immediately after Italy, the French government also implemented strict epidemic prevention measures. Anyone can go out only with a signed document explaining their reasons for going out, and all "non-essential" shops are closed. In addition to supermarkets and pharmacies, the official documents of the French Ministry of Health list in detail 40 exceptional industries that are "indispensable for maintaining French life", including bakeries, butcher shops, grape hotels, cheese shops and grocery stores.

　　Nowadays, from Paris to Provence, the empty and lonely streets of towns all over France are filled with the aroma of bread every morning, and about 33,000 bakeries in the country continue to operate at this time. As before, the French went to the bakery near his home early in the morning to buy a baguette, but they needed to keep a safe distance from each other.

　　Anlacote, president of the French Bread and Pastry Federation, said that baguette is a symbol of French culture and an important part of people’s lives. "The experience of many people going out for the first time in their lives is to go to the bakery with their parents to buy French baguettes. The only chance for many elderly people to get in touch with others in a day is to go to the bakery."

　　Allakot believes that it makes sense to keep the bakery open during the epidemic. "Bakery is a necessity for the French not to be hungry. Many people don’t necessarily have supermarkets near their homes, but there must be bakeries."

　　In Paris, wine seems as precious as hand sanitizer. The French drinks wine as naturally as bread. Many wine shops sell 6 or 12 bottles of "essential package for fighting epidemic" to customers.

　　According to the report, during the COVID-19 epidemic, the French’s social habit of kissing on the cheek may disappear temporarily, but his love for wine will not disappear.

　　Germany

　　Berlin’s nightlife is a legend. In the past few decades, Berlin has been shaped into the capital of European electronic dance music. However, with the spread of the epidemic, gatherings of more than two people have been banned. There is only one answer to where to go to the party this weekend: at home.

　　How to have a party in your own home? Don’t worry, hundreds of independent nightclubs have joined together with the support of the government and played DJ dance music to people’s homes by streaming media. You don’t have to wait in line for admission at two o’clock in the middle of the night to hold a party at home. The streaming party starts at seven o’clock in the evening, and people can also donate money to musicians and nightclubs.

　　For Berliner Berger, being able to sit on his sofa in pajamas and listen to famous DJ playing pop dance music is killing two birds with one stone. "I really enjoyed the party at home. I even jumped up in the living room by myself. Then at the end of the party at midnight, you can fall asleep and get up on the first day in the same good spirits."

　　For the organizers, combining people with music in the face of crisis also symbolizes a kind of community spirit, just as people from East and West flocked to the streets after the fall of the Berlin Wall, which is a symbol of German unity. Hegeman, the founder of the famous Berlin ballroom Trezee, said, "Who knows what will happen in the future? But I believe that after the epidemic subsides, people will definitely come out again and the party will not stop. "

From 00: 00 on March 23rd, Berlin and other states began to implement the most stringent ban on foot since the outbreak of COVID-19, among which Berlin was the first to take severe measures such as prohibiting more than two people from gathering in public places and closing restaurants and cafes. China News Service reporter Peng Dawei photo

　　Britain

　　Under the attack of the epidemic, the bars that British people are proud of have closed their doors and suspended their business. However, through various online instant messaging software, such as WhatsApp, Skype, Zoom and HouseParty, people all over the UK can still meet and have a drink with online parties in their own homes.

　　Many bars announce the time of online activities through social media and hold bar question-and-answer activities online, attracting hundreds of thousands of people to express their interest. In Scotland, traditional bars hold online music parties and invite folk musicians to share folk music online.

　　Home isolation, how to spend this weekend night? Many British people have already made plans to meet their friends for chatting and drinking in online bars, just like before.

The crowded subway car of the mayor of London, England, is now empty. China News Service reporter Zhang Pingshe

　　India

　　India has announced a 21-day blockade to fight the spread of the epidemic, but India is the second most populous country in the world. It is not easy to make 1.3 billion people stay at home all at once, and many people can’t buy enough food or medicine.

　　After the blockade was announced, India’s well-known celebrity couple, captain of cricket team Vera Golly and Bollywood actor’s wife Shamma, appealed to 55 million Twitter fans to "follow the government’s advice and unite", but at this time, it is not difficult for Indians to "stay together", but it is difficult to "keep a safe distance".

　　It is reported that Indians usually queue in circles instead of straight lines. So during the epidemic, supermarkets began to teach people how to keep a safe distance in line. They drew circles with chalk on the ground, and local health officials personally went to crowded supermarkets to demonstrate the circle and taught people the importance of a safe distance.

　　Queuing is not the latest knowledge for Indians to learn. Anyone who calls and answers the phone must first listen to a recorded message on how to maintain personal hygiene, including covering his mouth when coughing and the correct way to wash his hands. The local police even choreographed a dance of washing hands correctly.

　　Australia

　　When it comes to Australia, many people think of outdoor activities, relaxed life attitude and unique wild animals, but only those who have lived in Australia will know that the annual Easter holiday is a popular time for Australians to go camping in the wild, because Australia in the southern hemisphere enters winter after Easter, so enjoy outdoor activities before winter comes, and camping and barbecue with the whole family becomes a national activity.

　　Usually, more than 300,000 Australians go camping during Easter. Now I am trapped by the epidemic and can’t go out, but creative Australians will still find a way.

　　The Australian camper industry calls on people to set up tents in their backyard or living room, and indoor campers can watch the wild and natural environment through streaming media. People can also play cricket and eat barbecue in the backyard.

　　This global epidemic of infectious diseases has trapped many Australians at home, but people know in their hearts that this is not a bad thing.

　　(Reporter Zhang Xiaomei) Information such as the names and ID numbers of food safety managers of food production and operation enterprises will be included in the food safety credit information system and made public. Recently, the State Food and Drug Administration issued the Measures for the Administration of Food Safety Credit Information, which voluntarily disclosed the credit information of food market promoters, counter lessors, trade fair organizers and third-party platform providers of online transactions to the public. For food producers and operators who find problems in sampling inspection, the Food and Drug Administration will provide their credit information to other relevant departments for joint punishment.

　　Food safety credit information refers to data, materials and other information produced or obtained by food and drug supervision and management departments in the process of performing their duties according to law to reflect the food safety credit status of food producers and operators. Management targets include food market promoters, counter lessors, exhibition organizers, third-party platform providers for online transactions, non-food producers and operators engaged in food storage and transportation, and market sales of edible agricultural products. According to the Measures, food safety credit information includes basic information of food producers and operators, such as the names and ID numbers of food safety management personnel, information of daily inspection and flight inspection, batches of unqualified varieties sampled by food supervision, types of administrative punishment, punishment results, punishment basis, departments that make administrative punishment, and information that the departments that make administrative punishment decisions think should be publicized.

　　The credit information system will be established and updated in time by the local food and drug supervision and administration departments at or above the county level. Local food and drug departments are responsible for the collection and management of credit information of producers and operators who issue licenses within their administrative areas, establish a food safety credit information database of food producers and operators, and provide information to the superior food safety credit information management system. The local food and drug supervision and administration departments at or above the county level shall designate responsible persons to record and timely import food safety credit information records within 2 working days after the completion of administrative licensing, administrative inspection, supervision and sampling inspection, and administrative punishment.

　　The food and drug supervision and administration department shall disclose the voluntary food safety credit information through the website of the unit or newspapers, radio, television, internet and other ways that are easy for the public to know. When it comes to public ID number information, the last six digits should be hidden. The local food and drug supervision and administration departments at or above the county level shall increase the frequency of inspection and sampling inspection for food producers and operators who find problems in inspection and sampling inspection and make penalties, and provide them to other relevant departments for joint punishment in accordance with relevant regulations.

　　Some cultural relics seized in the operation (data map)

　　On July 29th, Europol released a message in official website, saying that the European joint action against international cultural relics crimes — — The "Pandora 3" campaign has achieved initial results. Up to now, 59 suspects have been arrested and 18,000 pieces (sets) of cultural relics have been seized.

　　"Pandora 3" was jointly participated by law enforcement agencies and customs of 29 countries, supported by Interpol, the World Customs Organization and Europol, and coordinated by the Spanish National Guard. It was a large-scale joint action against international cultural relics crimes, and it had many experiences worth learning in the field of transnational joint action against cultural relics crimes.

　　Offline and online separately "cast the net"

　　During the "Pandora 3" operation, the relevant law enforcement agencies sent thousands of police and customs staff, focusing on online and hot markets and targeting criminal groups involved in cultural relics trafficking. Since the launch of the operation, 59 suspects have been arrested and 18,000 cultural relics (sets) have been seized, including antique furniture, ancient coins and paintings, musical instruments and sculptures. In addition, the operation also seized cultural relics theft tools including metal detectors. According to statistics, most of the cultural relics seized come from Europe, and a small part belong to Colombia, Egypt, Iraq, Morocco and other countries.

　　Europol said that the biggest challenge encountered in this operation is to crack down on online illegal cultural relics trafficking. It is understood that in recent years, cultural relics criminal groups have increasingly used online platforms such as web pages, social media and instant messaging applications to sell illegally stolen or trafficked cultural relics. In this regard, in the "Pandora 3" action, the organizers specially launched a multidisciplinary law enforcement action. Under this action framework, the Dutch police took the lead in organizing the "Cyber Patrol Week", where a team of 26 experts identified suspicious targets and conducted targeted intelligence gathering. In the end, the operation locked 169 suspicious websites and seized 682 suspicious cultural relics.

　　At the same time, offline, 29 countries participating in the "Pandora 3" operation organized many raids: searching auction houses, art galleries, museums and private houses, imposing 67 administrative sanctions and arresting 49 suspects; Through the inspection of ports, airports and border crossings, four criminal suspects were arrested, three responsible persons were administratively punished, and 201 suspicious cultural relics were seized; Through surprise inspections of hot crime sites such as archaeological sites, 6 suspects were arrested, 909 cultural relics were seized, and 49 people were responsible for administrative punishment.

　　Multi-party linkage to accumulate synergy

　　As a joint action to crack down on cultural relics crimes in Europe, "Pandora 3" handed over a remarkable and frightening report card. As the overall coordination unit of the operation, the Spanish National Guard has created a record of seizing 10,000 pieces (sets) of cultural relics in a single operation; Experienced Italian cultural relics police seized 91 ancient ceramics and 109 precious ancient coins in many private houses and mailing centers. In addition, during the operation, the Polish police seized an ancient rare Bible stolen in Germany 25 years ago and returned it to the stolen country. Romanian police seized 128 military supplies in ancient Rome, 134 ancient ceramics and 189 coins stolen from archaeological sites in ancient Greece and Rome. German customs seized a cylindrical crystal seal, which was identified as belonging to Mesopotamian civilization … …

　　In the "Pandora 3" operation, Europol, Interpol and the World Customs Organization, as international backup forces, provided many support to countries. Relevant organizations not only set up coordination departments to participate in specific actions and provide analysis report support, but also open and share data and information resources and issue warning information in time. In particular, it is through Interpol’s "Stolen Art Database" that countries have conducted hundreds of targeted searches.

　　It can be said that the "Pandora" series of actions launched in recent years have effectively cracked down on international illegal cultural relics trafficking. In 2017, European multinational police jointly launched the "Pandora" operation for the first time. The operation was coordinated by the police in Spain and Cyprus, and more than 48,500 people were inspected, 50 ships and 29,000 vehicles were searched. A number of deep-water diving schools were mainly investigated to combat the theft of underwater sites, and 75 suspects were arrested and 3,561 pieces (sets) of cultural relics were recovered, many of which were of outstanding value after textual research. In 2018, Pandora 2 arrested 51 suspects and seized 41,000 pieces (sets) of cultural relics.

　　Piracy and sale of cultural relics are rampant

　　Endanger the cultural heritage of all countries.

　　Due to various reasons, the crime of stealing and reselling cultural relics has existed for a long time in Europe and has become increasingly rampant in recent years. Europe is not the only region where such crimes occur frequently. According to the survey, until the beginning of this year, on various online social media platforms such as Facebook, there were still cultural relics publicly looted from the Middle East by members of extremist organizations for sale. According to the BBC, in July this year, Sabhash Kapoor, a well-known art dealer in new york, USA, was accused of being involved in a transnational cultural relics piracy network. According to the investigation, the total value of cultural relics stolen through this network exceeds 145 million US dollars; According to The New York Times, at the end of July, Israeli police found and arrested two thieves who stole cultural relics … … In addition, the Iraqi Ministry of Foreign Affairs recently held a special cultural relics exhibition in Baghdad. The exhibits were all stolen cultural relics from the country recently recovered from Britain and Sweden.

　　"The cultural relics market is special. Illegally stolen cultural relics are often sold together with legally circulated cultural relics, and even well-intentioned collectors cannot effectively distinguish them." A western archaeologist pointed out.

　　The cultural heritage of countries all over the world is fatally damaged by cultural relics piracy. Experts pointed out that cultural relics are an irreplaceable part when people obtain corresponding historical information through archaeology. When these cultural relics are plundered and illegally sold only because of their economic value, people should not ignore their connection with the environment of the heritage site and other cultural relics as a part of the cultural heritage. As we all know, in the process of archaeological excavation, people need to carefully record information fragments, and then understand the value and significance of cultural relics. Without background information, coins and ceramic utensils are just beautiful objects on display shelves, and eventually lose the important function of allowing people to obtain richer historical information. (China Culture News reporter Song Jia Wei)

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

　　Preparation before opening of all-air air conditioning system

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

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

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

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

　　Management and maintenance in operation

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

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

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

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

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

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

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

　　Shutdown of air conditioning system

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

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

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

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

　　At present, some merchants often have the following routines on the issue of automatic renewal: one is that automatic renewal has become the default option; The other is that merchants restrict consumers’ choices; Another is to induce consumers to join the continuous monthly agreement under the guise of free trial or 1 cent experience for 30 days.

　　Relevant scholars pointed out that the problem of automatic renewal of monthly subscription is widespread, indicating that the regulatory authorities have not done a good job of supervision beforehand and afterwards. Prior supervision should remind merchants to inform consumers in a clear and eye-catching form, and consumers are free to choose; After-the-fact supervision is to supervise and even punish the merchants in time after the consumers’ rights and interests are infringed.

　　—————

　　"Meat hurts! Finally, I know why my money has disappeared one after another, all because of various softwares that automatically renew the monthly subscription. " Ms. Wang from Huzhou, Zhejiang Province saw a pile of debit records of bank cards, only to remember that she had forgotten to cancel all kinds of automatic renewal packages opened before.

　　Nowadays, merchants often offer various monthly and annual service packages, but many consumers may fall into the consumption trap of "being automatically renewed" if they are not careful. In 2019, CCTV conducted a survey on 50 popular paid software, and found that more than 70% of them had the function of automatic renewal, and many of them were suspected of fooling users into automatic renewal.

　　In May this year, Mr. Chen of Nanning opened a VIP film and television member in 15 yuan for a monthly subscription on TV. When it was opened, he didn’t notice the prompt of automatic renewal of this package. It was not until the next month when he paid the telephone bill that Mr. Chen found that he had deducted a sum of money inexplicably. He contacted the customer service of the mobile phone operator, only to find that this video package is still charging. What makes Mr. Chen laugh and cry is that when the renewal fee is cancelled, the order information shows that the continuous monthly subscription is valid until December 31, 1999. "Fortunately, I found it early, otherwise I will not be alive after 79 years, and this money has to be paid."

　　"When Mr. Chen opened the monthly film and television membership in 15 yuan, he did not show that the automatic renewal time was 2099, so this contract period is not binding on Mr. Chen." Lawyer Wu Lichuan of Beijing Jingshi Law Firm said that for general contracts, although the law does not stipulate the upper limit of the contract performance period, the feasibility of contract performance should also be considered. If the contract can no longer be performed or continues to be performed in obviously unfair in the future, the parties may request to modify or terminate the contract.

　　Mr. Chen told reporters that he chose the default option when he opened a member on the App. It was not until he was deducted that he learned that he had ordered an automatic renewal package, which made him feel that his right to know as a consumer had been violated. "I think monthly subscription means one month. If you want to continue to use it next month, you should order it again. The initiative should be with consumers; Now it is the other way around. I ordered a service, which is equivalent to signing an indefinite contract, and the initiative is in the business. " Mr. Chen said.

　　The reporter’s investigation found that some businesses often have the following routines on the issue of automatic renewal: one is that automatic renewal becomes the default option. For example, VIP users who purchase a certain video software will automatically check the continuous monthly subscription, but the font prompting automatic renewal is very small. The other is that merchants restrict consumers’ choices. For example, when opening a video App member, there are only two packages in the interface, namely "continuous monthly VIP" and "semi-annual VIP", and there are no other options for monthly subscription and annual subscription, which means that if you don’t want to open a semi-annual VIP with more fees, you can only choose the "continuous monthly VIP" with automatic renewal. Another is to induce consumers to join the continuous monthly subscription agreement under the guise of free trial or 1 cent experience for 30 days. As long as users download the App or agree to open this service, it is equivalent to agreeing to the terms of the agreement. After the end of the free trial period, they will be deducted unconsciously.

　　What makes some consumers feel confused and annoyed is that it is easy to open automatic renewal, but when you want to cancel it, the procedure is much more complicated.

　　Mr. Lao, a 66-year-old citizen of Nanning, signed a one-year GPS service with a bound mobile phone number when he bought an electric car in 2017. "The contract says one year, and I handed it over to 180 yuan." Mr. Lao said that the contract did not mention that the fee would be automatically renewed, and the staff also promised that "if I don’t serve you, it will be automatically broken."

　　After that, Mr. Lao was hospitalized because of illness, so he didn’t pay attention to the follow-up charges of this service. Until the beginning of this year, he inadvertently found that the GPS service was still being charged from many unread short messages on his mobile phone, and he took his ID card to the communication business hall to request the cancellation of the GPS short message notification service and automatic renewal service. The staff verbally promised that it could be cancelled and would help handle it.

　　Who knows that four months later, in July this year, Mr. Lao received a short message of charge deduction, and he once again came to the communication business hall to communicate. "From the salesman to the director, I found three people and said that I couldn’t handle it. The director said that he didn’t know. I have to talk to the person who signed a GPS contract to sell electric cars. They are communication service providers, just deduct money, no matter stop charging."

　　Mr. Lao went to the merchant who bought the electric car that year, but when he went to the store, it was closed, and the merchant’s phone was disconnected. In desperation, Mr. Lao had to turn to the media for help. After exposure by local media and communication with reporters, the communication operator finally canceled Mr. Lao’s GPS service fee.

　　In the view of lawyer Wu Lichuan, this sales model of merchants is suspected of infringing on the legitimate rights and interests of consumers. Consumer protection law gives consumers the right to know and choose. Before providing confidential payment and automatic renewal service, merchants need to truthfully inform consumers of the contents, methods and fees of the service and obtain the consent of consumers. If merchants check this function for consumers by default, it is undoubtedly depriving consumers of the right to know and choose, which is illegal. The e-commerce law also explicitly prohibits "default tying" and severely punishes it.

　　"Secondly, merchants have the obligation to prompt and explain the terms of the format contract." According to the legend of Wu Li, Article 26 of the Law on the Protection of Consumers’ Rights and Interests stipulates that operators who use standard clauses in their business activities should draw consumers’ attention to the quantity and quality, price or expenses, time limit and method of performance, safety precautions, risk warning, after-sales service, civil liability and other matters of great interest to consumers in a significant way, and explain them according to consumers’ requirements. "The terms of service of online platforms usually belong to format contracts, and merchants are obliged to remind consumers of the key contents and explain them, otherwise these terms will be invalid to consumers." Legend of Wu Li.

　　With the increasing popularity of the marketing routine of automatic monthly renewal, there are more and more consumer complaints, and some institutions have begun to pay attention to this issue. On April 8th this year, Zhejiang Consumer Rights Protection Committee will interview the video and audio websites with problems and put forward nine rectification opinions based on the previous experience of members of 11 video and audio platforms, such as iQiyi, Tencent Video, Youku and Himalaya, including the failure to remind the automatic renewal fee deduction, the default check of automatic renewal fee, and the difficulty in canceling the opening.

　　As of April 17th this year, 11 video and audio websites, including iQiyi and Tencent Video, have sent rectification reply letters to Zhejiang Consumer Protection Committee. As for the problem that the automatic renewal fee deduction has not been reminded, 11 video and audio websites said that consumers who purchase continuous monthly, quarterly and annual subscriptions will receive tips sent by the website through on-site messages, SMS and WeChat before the deduction.

　　The reporter recently opened the App query of these audio websites and found that most of them canceled the default automatic renewal function. Youku VIP membership agreement describes the continuous package/automatic renewal service in detail, and its message center also has reminders of membership expiration and automatic renewal fee deduction. Dragonfly FM is informed by the news in the station 3 days in advance and by SMS 1 ~ 2 days in advance, and sends out multi-channel and multi-frequency deduction information.

　　However, some relatively small network service providers still have many irregularities. This month, Mr. Zhang from Shandong was "renewed" for 258 yuan on a mobile phone scanner without knowing it.

　　According to Liu Xunzhi, an associate professor at the Law School of Guangxi Normal University, the problem of automatic monthly renewal is widespread, indicating that the regulatory authorities have not done a good job of supervision before and after. Prior supervision should remind merchants to inform consumers in a clear and eye-catching form, and consumers are free to choose; After-the-fact supervision is to supervise and even punish the merchants in time after the consumers’ rights and interests are infringed.

　　Liu Xunzhi believes that the interview of Zhejiang Consumer Protection Committee is not the supervision and management of administrative organs, and it has no strong binding force. "It should be supervised by market supervision and management departments and industry and information departments, and a joint disciplinary mechanism should be established, such as a blacklist system, for businesses that illegally operate and infringe on consumers’ rights and interests. Conduct necessary credit punishment. With strong supervision, such illegal phenomena that infringe on consumers’ rights and interests will be gradually eliminated. "

　　Zhongqingbao Zhongqingwang reporter Xie Yang intern Xie Lvrong

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

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

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

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

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

Related reading:

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

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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.