Cctv news On July 17th, the signing ceremony of strategic cooperation between CCTV and Baidu AI Cloud was held in Beijing. This cooperation is one of CCTV’s initiatives to actively build an "artificial intelligence editorial department" under the strategic layout of "5G+4K+AI" of the Central Radio and Television General Station. The two sides will jointly build an artificial intelligence media research and development center, jointly create artificial intelligence products in the media industry, and deeply apply the "cloud +AI" capability to various scenes of CCTV.

The signing ceremony of strategic cooperation between CCTV and Baidu AI Cloud was held in Beijing (photo by Liu Huicheng)

　　According to the agreement, the cooperation mainly focuses on three aspects: first, jointly establish an artificial intelligence media research and development center; The second is to jointly build artificial intelligence software and hardware products in the media industry; Third, Baidu AI Cloud will provide cloud hosting, CDN, security and other cloud computing services for CCTV. AI technology and products will become an important field of cooperation between CCTV and Baidu AI Cloud.

　

Speech by Qian Wei, Chairman and General Manager of CCTV (photo by Liu Huicheng)

　　In his speech, Qian Wei, chairman and general manager of CCTV, said that standing at a new starting point of the development of CCTV, CCTV has recalibrated its direction and is undergoing comprehensive transformation and upgrading. This cooperation with Baidu AI Cloud is one of the measures to promote the "5G+4K+AI" strategy of the main station to be put on the multi-terminal platform of CCTV and to build an "artificial intelligence editorial department". It will give full play to the unique advantages of the main station in multi-terminal license plate and large and small screen linkage, innovate media expression and communication methods, develop intelligent products and services for the whole scene, and expand the mainstream public opinion position.

Speech by Yin Shiming, Vice President of Baidu and General Manager of intelligent cloud Business Group (photo by Liu Huicheng)

　　Yin Shiming, vice president of Baidu and general manager of intelligent cloud Business Group, said that as the carrier of the intelligent landing of Baidu AI industry, intelligent cloud integrated the technology and resource advantages accumulated by Baidu for many years and shared them with the industry to accelerate the intelligent upgrading of each industry. CCTV is a benchmark enterprise in the broadcasting industry. The cooperation between Baidu AI Cloud and CCTV will accelerate the application of "Cloud +AI", and the two parties will jointly provide a model for the intelligent upgrade of the media industry.

At the signing ceremony (photo by Liu Huicheng)

　　As the central key news website sponsored by the Central Radio and Television General Station, CCTV is committed to building an "artificial intelligence editorial department", improving news layout, highlighting video features, innovating content expression, forming unique advantages and distinctive features, and giving play to the coverage and communication advantages of "news website+integrated broadcast control platform" with over 100 million users to create the influence of first-class news websites that match the status of the General Station. Baidu has the industry-leading "cloud +AI" capability and will fully empower CCTV.

　　Zhao Lei, deputy general manager of CCTV, said that CCTV has built an "artificial intelligence editorial department" according to the strategic layout of "5G+4K+AI" of the Central Radio and Television General Station, continuously increased investment in the field of artificial intelligence, and deeply explored new application scenarios in the aspects of data collation of new media assets, intelligent content tagging and natural language processing of video content. In the future, efforts will be made to make effective use of three resources: First, by strengthening technical cooperation, a series of current political AI products will be launched; Second, do a good job in the mining and diversified expression of video resources and vertical program resources; The third is to give full play to the advantages of the multi-terminal license resources of the main station and to promote the application and development of intelligent large-screen terminals.

　　The industry believes that the strategic cooperation between CCTV and Baidu AI Cloud, by embracing new technologies, will build an "artificial intelligence editorial department" and be a practitioner of "5G+4K+AI" all-media application, which will provide users with intelligent multi-scene services and further enhance the communication, guidance, influence and credibility of mainstream new media, and will also accelerate the application of "Cloud +AI" technology in the media industry and explore "Media +AI".

　　◎ reporter Zhang mengran

　　Have you searched the Internet for "What hurts me? Is there something wrong with me?"? The answer may not be satisfactory. However, with the emergence of large-scale natural language models (LLM) such as ChatGPT, people began to try to use it to answer medical questions or medical knowledge.

　　However, is it reliable?

　　As far as it is concerned, the answer given by artificial intelligence (AI) is accurate. However, James Davenport, a professor in university of bath, pointed out the difference between medical questions and actual medical practice. He believed that "medical practice is not just about answering medical questions. If we just answer medical questions, we don’t need to teach hospitals, and doctors don’t need to receive years of training after academic courses."

　　In view of all kinds of doubts, in a recent paper published by Nature, the world’s top artificial intelligence experts showed a benchmark to evaluate how well large-scale natural language models can solve people’s medical problems.

　　The existing model is not perfect.

　　The latest assessment comes from Google Research and Deep Thinking. Experts believe that the artificial intelligence model has many potentials in the medical field, including knowledge retrieval and supporting clinical decision-making. However, the existing model is not perfect, for example, it may fabricate convincing medical error information, or include prejudice to aggravate health inequality. Therefore, it is necessary to evaluate their clinical knowledge.

　　Relevant assessments have not been without before. However, in the past, it usually relied on automated evaluation of limited benchmarks, such as individual medical test scores. This is translated into the real world, and both reliability and value are lacking.

　　Moreover, when people turn to the Internet to obtain medical information, they will encounter "information overload" and then choose the worst one from 10 possible diagnoses, thus bearing a lot of unnecessary pressure.

　　The research team hopes that the language model can provide short expert opinions, be unbiased, indicate its citation source, and reasonably express uncertainty.

　　What is the LLM performance of 540 billion parameters?

　　In order to evaluate the ability of LLM to encode clinical knowledge, Xie Kufei Aziz, an expert from Google Research Institute, and his colleagues discussed their ability to answer medical questions. The team put forward a benchmark called "MultiMedQA QA": it combines six existing question-answering data sets covering professional medical care, research and consumer inquiries and "HealthSearch QA" & mdash; — This is a new data set, which contains 3173 medical questions searched online.

　　The team then evaluated PaLM (a 540 billion parameter LLM) and its variant Flan-PaLM. They found that Flan-PaLM reached the most advanced level in some data sets. Flan-PaLM surpassed the most advanced LLM by 17% in the MedQA data set integrating the questions of American medical license examination.

　　However, although Flan-PaLM scored well in multiple-choice questions, further evaluation shows that it has a gap in answering consumers’ medical questions.

　　LLM of specialized medicine is encouraging.

　　In order to solve this problem, artificial intelligence experts use a method called design instruction fine-tuning to further debug Flan-PaLM to adapt to the medical field. At the same time, the researcher introduced an LLM— — Med-PaLM。

　　Fine-tuning design instructions is an effective way to make general LLM suitable for new professional fields. The resulting model Med-PaLM is encouraging in the trial evaluation. For example, Flan-PaLM scored by a group of doctors is only 61.9% consistent with the scientific consensus, and Med-PaLM scored 92.6%, which is equivalent to the answers made by doctors (92.9%). Similarly, 29.7% of Flan-PaLM’s answers were rated as likely to lead to harmful results, and only 5.8% of Med-PaLM’s answers were equivalent to those of doctors (6.5%).

　　The research team mentioned that although the results are promising, it is necessary to make further evaluation, especially in terms of safety, fairness and prejudice.

　　In other words, there are still many limitations to overcome before the clinical application of LLM is feasible.

01 The purchase of therapeutic instrument through Wechat business is invalid and difficult to refund.

[Brief introduction of the case]

Uncle Lu, a consumer, suffers from heart disease. On April 10th, 2023, he bought a semiconductor laser therapeutic instrument produced by Jiutouniao Medical Device Development Co., Ltd. through Wechat business at a cost of 2,280 yuan, hoping to play an auxiliary role in treating the disease through the instrument. The consumer has used it for nearly a month and thinks it has no effect. On May 7th, the consumer asked for a refund, and Wechat business asked him to buy another product to use with it, and the effect was more obvious. The consumer thinks that the operator doesn’t want to return the goods, so it is convenient to complain to Baotou Consumers Association on May 8, 2023, hoping to get help.

【 Processing Process and Results 】

After accepting the complaint, the staff of Baotou Consumers Association checked the chat record between consumers and Wechat business. Wechat business promised that "if the effect is not satisfactory or not within 30 days, he can apply for a refund". The staff contacted Wechat business by phone to ask him to fulfill his promise and was told to contact the manufacturer directly to get a refund. After contact, the consumer will mail the product back to the manufacturer at the request of the other party, and then refund the fee after inspection. In the end, the consumer received a refund of 2280 yuan on May 18th.

[Case Analysis]

Article 16 of the Law of People’s Republic of China (PRC) on the Protection of Consumer Rights and Interests stipulates: "If there is an agreement between the operator and the consumer, they shall perform their obligations according to the agreement, but the agreement between the two parties shall not violate the provisions of laws and regulations." In this case, when the consumer requests a refund according to the operator’s prior commitment, the operator should refund the fee for the consumer according to the commitment. In this case, the consumer shops through Wechat business, and the other party is not a micro-store. This is a private transaction between the two parties, and it is difficult to effectively protect their rights and interests. It is suggested that consumers shop through formal channels to avoid damage to their rights and interests.

Developers use "overlord clause" to exempt from overdue breach of contract.

[Brief introduction of the case]

Xinyuecheng Community, developed and sold by Inner Mongolia Shengda Real Estate Group Co., Ltd., agreed to hand over the house in December 2021, but it was overdue until March 2023. When the consumer handles the handover procedures, the developer marks the "overlord clause" on the delivery contract, and the consumer refuses to hand over the house without signing it, involving more than 20 million yuan of consumer disputes, which has caused complaints from the owners.

【 Processing Process and Results 】

On March 27th, 2023, the Consumers Association of Ulanhot organized a mediation meeting between the two parties at the Social Governance Center of Ulanhot. The staff pointed out that it was illegal for the developer to use the "overlord clause" to exempt himself from his responsibilities and obligations, and it should be stopped immediately, and asked the developer to give a written reply to the Consumers Association of Ulanhot on the reasons for overdue delivery and the situation of stopping using the "overlord clause". After mediation, the two parties reached the following agreements: 1. The respondent stopped using the "overlord clause" and went through the handover formalities according to the contract; 2. Consumers’ right to claim compensation for overdue liquidated damages can bring a lawsuit to the court according to law. On March 31st, the respondent submitted a written explanation of the reasons for overdue delivery and a commitment decision to stop using the "overlord clause".

[Case Analysis]

Article 26 of the Law on the Protection of Consumers’ Rights and Interests in People’s Republic of China (PRC) stipulates: "Operators shall not make unfair and unreasonable provisions to consumers, such as excluding or restricting consumers’ rights, reducing or exempting operators’ responsibilities, and aggravating consumers’ responsibilities, by means of format clauses, notices, statements, shop notices, etc., and shall not use format clauses and technical means to force transactions. Format clauses, notices, statements, store notices, etc. contain the contents listed in the preceding paragraph, and their contents are invalid. " Article 497 of the Civil Code of People’s Republic of China (PRC) stipulates: "In any of the following circumstances, the standard clauses are invalid: (1) There are invalid circumstances stipulated in Section 3 of Chapter VI of Part I of this Law and Article 506 of this Law; (2) The party providing the standard terms unreasonably exempts or lightens its responsibility, aggravates the other party’s responsibility or restricts the other party’s main rights; (3) The party providing the standard terms excludes the main rights of the other party. "

Home improvement merchants failed to fulfill their obligations according to the contract and arbitrarily increased the price.

[Brief introduction of the case]

Ms. Yang, a consumer, complained to the Consumers Association of Wulanhaote, claiming that two contracts were signed at the Oprah Winfrey Home Counter on the second floor of Red Star Macalline on February 19, 2023, which stipulated that the basic disassembly and assembly of her residence was 27,000 yuan and the custom-made wardrobe and cupboard was 67,000 yuan, totaling 94,000 yuan. The construction period was originally scheduled to be two months, but during the construction, the disassembly part was not completed from February 22 to early June. After the customized part was re-scaled, the merchant asked the consumer to pay another 22,000 yuan for reasons such as changing the cabinet material and changing the glass door. The consumer thought that the merchant had any price increase behavior, and verified the price increase part with the person in charge, and the merchant could not provide a clear basis for the price increase part. At the same time, the consumer entrusted others to recheck the measured drawing area, and found that there was an error of 3 square meters. The consumer demanded to cancel the contract and refund the money on the grounds that the merchant was fraudulent. No agreement was reached through mediation organized by the mall management. Consumers complained to the Consumers Association of Wulanhaote City, and provided evidence such as recordings, drawings and project progress records.

【 Processing Process and Results 】

After mediation by the Consumers Association, the merchant first promised to give a refund within 15 days and then repented, indicating that there was no fault. After many investigations and verifications, the staff of the Consumers’ Association think that the operator’s fare increase part does not provide the basis for clearly marking the price; There is an error of 1.2 linear meters between the cabinet area and its measured area; There is also overdue behavior in the construction period. Consumers Association believes that the behavior of merchants has constituted a breach of contract and infringed on the legitimate rights and interests of consumers. After mediation again, the operator refused to refund and withdrew from the mediation site halfway. Consumers Association made a decision to terminate mediation, supported consumers to bring a lawsuit to the court, and handed over the illegal acts of the operator suspected of infringing consumers’ legitimate rights and interests to the market supervision office of the jurisdiction for investigation and punishment according to law, and exposed them through Tik Tok WeChat official account, Wulanhaote Consumers Association. The operator was forced by public opinion to refund 67,000 yuan for consumers.

[Case Analysis]

Article 16 of the Law of People’s Republic of China (PRC) on the Protection of Consumers’ Rights and Interests stipulates: "Operators shall perform their obligations in accordance with this Law and other relevant laws and regulations when providing commodities or services to consumers. If the operator and the consumer have an agreement, they shall perform their obligations in accordance with the agreement, but the agreement between the two parties shall not violate the provisions of laws and regulations. " Article 577 of the Civil Code of People’s Republic of China (PRC) stipulates that "if a party fails to perform its contractual obligations or fails to meet the contract obligations, it shall bear the liabilities for breach of contract such as continuing to perform, taking remedial measures or compensating for losses." Article 13 of the Price Law of People’s Republic of China (PRC) stipulates: "Operators selling, purchasing goods and providing services shall clearly mark the price in accordance with the provisions of the competent pricing department of the government, indicating the commodity name, place of origin, specifications, grade, pricing unit, price or service items, charging standards and other relevant information. Operators are not allowed to sell goods at a higher price than the marked price, and they are not allowed to charge any unspecified fees. "

You need to buy extra glasses to watch 3D movies.

[Brief introduction of the case]

On January 26th, 2023, consumers watched a 3D movie at Moqi jaxa Cinema of Hulunbeier Tianzhixing Film and Television Media Co., Ltd., and the cinema informed consumers that they must buy or bring their own 3D glasses at their own expense to watch the movie, and the cinema did not provide 3D glasses for free. Consumers think it is unreasonable, and cinemas are obliged to provide 3D glasses for free. Consumers and operators failed to negotiate, so they called to complain for help.

【 Processing Process and Results 】

After receiving the complaint, the staff of the Consumer Complaint Mediation Office of Moqi Market Supervision Administration immediately communicated with the person in charge of the cinema to understand the facts. In accordance with the relevant provisions of the Law of People’s Republic of China (PRC) on the Protection of Consumers’ Rights and Interests, the operator was interviewed to mediate consumer demands. Finally, the operator and the consumer reached a mediation agreement through consultation, and the consumer was refunded the 20 yuan for purchasing 3D glasses, and the accumulated refund for consumers who had bought glasses for the same reason amounted to 200 yuan. The cinema promised to provide free glasses for all consumers who watched 3D movies in the future.

[Case Analysis]

Article 26 of the Law on the Protection of Consumers’ Rights and Interests in People’s Republic of China (PRC) stipulates: "Operators shall not make unfair and unreasonable provisions to consumers, such as excluding or restricting consumers’ rights, reducing or exempting operators’ responsibilities, and aggravating consumers’ responsibilities, by means of format clauses, notices, statements, shop notices, etc., and shall not use format clauses and technical means to force transactions. Format clauses, notices, statements, store notices, etc. contain the contents listed in the preceding paragraph, and their contents are invalid. " 3D glasses are an indispensable basic condition for watching 3D movies, and the provision of 3D glasses is an integral part of the viewing service. Consumers buy movie viewing services according to the ticket price of 3D movies, and theater operators should provide consumers with all services that meet the requirements of watching movies, including providing consumers with movie viewing facilities such as 3D glasses. It is a typical "unfair format clause" for the cinema to split its own service obligations and pass them on to consumers, which increases the burden on consumers and violates the principle of fairness and good faith. At the same time, because the cinema forces consumers to buy 3D glasses or in disguised form, it violates the provisions of the Measures for Punishment of Infringement on Consumers’ Rights and Interests, law enforcement officers ordered the cinema to make corrections and give a warning.

05 the problem of refunding the deposit due to the inability to borrow money for the purchase of commercial housing

[Brief introduction of the case]

On March 15, 2023, Ms. Consumer Palace complained to Bayannaoer Consumers Association that on March 10, 2023, she signed the House Purchase and Sale Deposit Agreement with Bayannaoer Hyde Real Estate Agency Co., Ltd., booked a commercial house, and paid a deposit of 20,000 yuan and a supervision fee of 5,000 yuan on site. When signing the contract, the consumer said that he can only pay the down payment, and the remaining house payment needs to be applied for a bank loan. I wonder if his conditions meet the conditions of bank mortgage loan. The real estate agency said that the conditions of consumers fully meet the loan requirements, and even if they do not meet the requirements, the company will help solve them. Subsequently, the consumer submitted proof of income and running water to the bank, but failed to pass the bank mortgage loan review. When concluding a house sales contract, the real estate brokerage company requires consumers to buy a house in full. If a house purchase contract is not concluded, the deposit and supervision fund will not be refunded. Consumers think that the real estate company’s practice is unreasonable and demand mediation from the Consumers Association.

【 Processing Process and Results 】

After receiving the complaint, the staff of the Consumers Association conducted an investigation. The consumer stated that when he looked at the house, the sales staff of the brokerage company did not carefully introduce the conditions needed to handle the mortgage, and did not fully fulfill the obligation of informing, so the responsibility should not be borne by him. The staff of the Consumers Association contacted the person in charge of the real estate brokerage company to learn more about the incident, introduced relevant laws and regulations to them, and organized mediation between the two parties. In the end, the real estate brokerage company refunded the consumer deposit of 20,000 yuan and the supervision fee of 5,000 yuan.

[Case Analysis]

Article 20 of the Law of People’s Republic of China (PRC) on the Protection of Consumers’ Rights and Interests stipulates: "Operators shall provide consumers with true and comprehensive information about the quality, performance, use and expiration date of goods or services, and shall not make false or misleading propaganda. Operators should give a true and clear answer to the questions raised by consumers about the quality and usage of the goods or services they provide. " Article 4 of the Supreme People’s Court’s Interpretation on Several Issues Concerning the Application of Law in the Trial of Disputes over Commercial Housing Sales Contracts stipulates: "If the seller accepts a deposit from the buyer as a guarantee for concluding a commercial housing sales contract through subscription, order, reservation, etc., if the commercial housing sales contract cannot be concluded due to one of the parties, it shall be handled in accordance with the provisions of the law on deposit; If the commercial housing sales contract cannot be concluded due to reasons not attributable to both parties, the seller shall return the deposit to the buyer. " In this case, because the brokerage company did not fully and clearly inform the conditions for handling the house loan when selling the house, it should bear adverse consequences for the failure to conclude the subsequent house purchase contract. At the same time, because the consumer has paid the deposit, but can’t conclude a house purchase contract, according to the above provisions, the real estate brokerage company in this case should refund the deposit and supervision money paid by the consumer.

06 farmers’ rights and interests in purchasing unqualified drip irrigation belts are damaged

[Brief introduction of the case]

In June, 2022, nine farmers, including Mr. Zhang, a villager from Halatugacha, Urad Middle Banner, Bayannaoer City, complained to Bayannaoer Consumers Association that in April, 2021, they bought a batch of drip irrigation belts for farmland irrigation from Inner Mongolia Zhaotong Pipeline System Co., Ltd., with a value of 251,725 yuan. In the process of use, it is found that some drip irrigation belts have no drip holes, some drip holes are blocked, and some of them burst and leak, which can not be used normally. Farmers think that there is a quality problem with the drip irrigation belt, and they have repeatedly asked dealers and manufacturers to solve the problem, but the merchants have been looking for reasons to delay, so they came to the Consumers Association to complain.

【 Processing Process and Results 】

After receiving the complaint, Bayannaoer Consumers Association immediately sent its staff to the farmland involved in the complaint for on-the-spot inspection, and found that the used drip irrigation tape was scattered in the fields, which could not restore the specific scene at that time. After the staff visited the farmers for investigation, it was basically confirmed that the situation reflected by the complainant did exist, but the existing evidence could not prove that there was a problem with the quality of drip irrigation tape. Later, it was found that there were surplus drip irrigation tapes in the farmer’s warehouse, which were unused and packaged completely. In order to recover the losses of farmers as much as possible, Bayannaoer Consumers Association applied to the Consumers Association of the autonomous region for mediation in time, but the dealers and manufacturers insisted that there was no quality problem with the drip irrigation tape, and the complaint handling was deadlocked. In order to obtain sufficient evidence, the staff of Bayannaoer Consumers Association entrusted the Inner Mongolia Autonomous Region Product Quality Inspection Institute for inspection in August 2022, and the drip tape was found to be unqualified. Accordingly, Bayannaoer Consumers Association supports consumer litigation and resolves disputes through litigation. On June 29, 2023, it was tried by the People’s Court of Tuzuoqi, and the loss was recovered for consumers by 251,725 yuan.

[Case Analysis]

This case is a typical agricultural dispute case. According to Article 11 of the Law of People’s Republic of China (PRC) on the Protection of Consumer Rights and Interests: "Consumers who suffer personal or property damage due to purchasing or using goods or receiving services shall have the right to compensation according to law." Article 24 stipulates: "If the goods or services provided by the business operators do not meet the quality requirements, consumers may return them according to the provisions of the state and the agreement of the parties, or require the business operators to fulfill the obligations of replacement and repair. If there is no state regulation and agreement between the parties, consumers can return the goods within seven days from the date of receipt; After seven days, if the statutory conditions for termination of the contract are met, the consumer can return the goods in time. If the statutory conditions for termination of the contract are not met, the operator may be required to perform obligations such as replacement and repair. " Article 62 stipulates: "The purchase and use of means of production directly used for agricultural production by farmers shall be implemented with reference to this Law." According to Article 32 of the Product Quality Law of People’s Republic of China (PRC), "Producers shall not adulterate or fake products, or pass unqualified products off as qualified products" and Article 39, "Sellers shall not adulterate or fake products, or pass unqualified products off as qualified products", in this case, consumers have the right to compensation because the operators sell unqualified products. After the mediation was unsuccessful, because the facts of infringement on consumers’ rights and interests were clear and involved many farmers’ groups, according to the functions and responsibilities entrusted by law, consumers’ associations supported the prosecution, further safeguarding the consumption environment and market order.

07 There is something wrong with the size of customized furniture.

[Brief introduction of the case]

On June 2, 2023, Ms. Zhai complained to Wuhai Consumers Association that on April 2, she customized European brand furniture in Lengyuxin wardrobe dealership in Haibowan District, Wuhai City. On May 14, when she arrived for installation, she found that 21 door panels were small in size. When the dealer installed them at home, she also found that there was something wrong with the size and communicated with the manufacturer. The manufacturer said that the product was fine and belonged to the adjustable range, but the gap was obvious after adjustment.

【 Processing Process and Results 】

After receiving the complaint, the staff of Wuhai Consumers’ Association conducted investigation and mediation, and obtained the order measurement drawings. The dealer also admitted that there was something wrong with the size of this batch of door panels. Because the door panels were customized by the manufacturer, they are now unable to replace the door panels for consumers, and are actively communicating with the manufacturer to replace the door panels for consumers. The staff of the Consumers Association called the manufacturer and pointed out that if the operator provides goods or services to consumers, and one party fails to perform the contractual obligations or the performance of the contractual obligations is not in conformity with the agreement, it shall bear the liability for breach of contract such as continuing to perform, taking remedial measures or compensating for losses. Finally, after communication, the manufacturer agreed to send someone to handle the appeal, and if the problem is true, it will be replaced.

[Case Analysis]

Article 16 of the Law of People’s Republic of China (PRC) on the Protection of Consumers’ Rights and Interests stipulates: "Operators shall perform their obligations in accordance with this Law and other relevant laws and regulations when providing commodities or services to consumers. If there is an agreement between the operator and the consumer, they shall perform their obligations in accordance with the agreement, but the agreement between the two parties shall not violate the provisions of laws and regulations. When providing commodities or services to consumers, business operators shall abide by social morality, operate in good faith and protect the legitimate rights and interests of consumers; Unfair and unreasonable trading conditions shall not be set, and transactions shall not be forced. " Article 577 of the Civil Code of People’s Republic of China (PRC) stipulates: "If a party fails to perform its contractual obligations or fails to meet the contract obligations, it shall bear the liabilities for breach of contract such as continuing to perform, taking remedial measures or compensating for losses." Therefore, consumers have the right to ask operators or producers to perform the agreed services.

08 Laundry clothes lost

[Brief introduction of the case]

On November 7, 2023, Ms. Tian complained to Wuhai Consumers Association that on April 6, 2023, three down jackets were sent to Yixiang Laundry in Haibowan District, Wuhai City, and the laundry did not provide her with a service ticket after collecting the clothes. When picking up the clothes, she found that one of the children’s down jackets worth 399 yuan was not cleaned, and the laundry said that it was responsible for heavy washing, so she took away the other two down jackets. At the end of October, when she went to the laundry to pick up the washed children’s down jacket, the laundry said that the dress had been taken away in June according to the store computer, so there was a dispute between the two sides.

【 Processing Process and Results 】

After receiving the complaint, the staff asked the laundry about the consumer’s complaint. The laundry said that although the service receipt was not issued to the consumer at that time, it was recorded in the store computer. In June, the children’s down jacket was taken away by a man. The consumer thinks that the laundry should check with her the identity of the clothes picker without the clothes pick-up certificate. Now that the clothes have been taken away by others, the laundry should pay compensation. Because the laundry did not issue a service document to the consumer when providing laundry service, there was no objection to the laundry service process. The computer data was recorded unilaterally by the laundry, and the laundry did not verify it when others took the clothes, and there was no other evidence to prove that the consumer entrusted others to take the clothes, the laundry should be liable for compensation. Finally, after mediation, both parties reached an agreement, and the operator compensated 300 yuan to the consumer.

[Case Analysis]

In this case, according to Article 25 of the Measures of Inner Mongolia Autonomous Region for Implementing the Law of People’s Republic of China (PRC) on the Protection of Consumers’ Rights and Interests: "Operators engaged in the dyeing and ironing industry shall provide services as agreed. If the clothes are damaged, dyed or lost, the operator shall refund the fees collected and bear the corresponding liability for compensation according to the actual purchase price of the goods, depreciation of the goods and other factors. " Article 15 of the Measures for the Administration of Washing and Dyeing Industry "Operators shall issue service receipts to consumers when providing services. Service documents should include: the name, quantity, color, damaged or missing parts, service content, price, delivery date, storage period, matters agreed by both parties, dispute resolution, etc. "and Article 17" Operators should standardize the handover procedures of clothes in each process to prevent loss or damage; The storage and payment of dirty and clean clothes should be separated. "The operator should issue a bill to the consumer without issuing it, and the clothes handover did not fulfill the responsibility of informing when picking up the clothes, and should be liable for compensation.

09 medical disputes caused by tooth extraction in dental clinic

[Brief introduction of the case]

On March 17th, 2023, Ms. Ma, a consumer, complained to the Consumers Association of Alashan League that when the wisdom teeth were pulled out at Qingbai Dental Clinic in Bayanhaote Town, Alashan Zuoqi, the drill bit fell into the mouth due to improper operation by medical staff, which caused extensive damage to the oral mucosa and caused inconvenience to daily life, and the consumer demanded compensation from the operator.

【 Processing Process and Results 】

The staff contacted the clinic for investigation at the first time, confirmed that the situation described by Ms. Ma was true, and immediately organized mediation between the two parties. After careful and patient mediation, the dental clinic compensated Ms. Ma for 15,000 yuan, which was paid in three months.

[Case Analysis]

Article 7 of the Law on the Protection of Consumers’ Rights and Interests in People’s Republic of China (PRC) stipulates: "Consumers have the right to protect their personal and property safety when purchasing and using commodities and receiving services. Consumers have the right to require the goods and services provided by operators to meet the requirements of protecting personal and property safety. " Article 49 stipulates: "If a business operator provides goods or services and causes personal injury to consumers or other victims, it shall compensate medical expenses, nursing expenses, transportation expenses and other reasonable expenses for treatment and rehabilitation, as well as the income reduced due to absenteeism." In this case, due to the negligence of the staff of the dental clinic, the consumer suffered personal injury in the process of receiving services, and the consumer has the right to ask the merchant to bear the liability for compensation.

On August 1 ST, FAW Pentium launched a new entry-level model of Pentium Pony-Cute Horse, with a price of 24,900 yuan. Pentium pony is a mini-car, and the guide price of the whole series is between 24,900 and 31,900 yuan.

IT House noticed that Pentium Pony was designed as a 3-door, 4-seat hatchback and went on the market in May this year.Compared with the previous cute horse version, the price of this cute horse version has been reduced by 2,000 yuan, but the configuration has reduced the functions of Bluetooth and car phone.. The car comes standard with halogen headlights, 12-inch rims and rear parking radar.

The body size of Pentium pony is 3000/1510/1630mm, and the wheelbase is 1953mm, which exceeds the basic version of Wuling Hongguang MINIEV (2920/1493/1621mm, and the wheelbase is 1940mm).

For the interior, Pentium Pony offers five kinds of two-color collocation: beach gold, peach powder, bubble blue, indigo blue and camellia green. Configuration includes flat-bottomed steering wheel, LCD instrument, knob shift, two-color seat and through air conditioning outlet.

The whole system includes the main driver airbag, fabric seat, front manual adjustment seat, main driver’s cosmetic mirror, rear parking radar, remote unlocking, manual air conditioning and uphill assistance.

In terms of power, the Pentium pony is equipped with a rear single motor with a maximum power of 20 kW and a maximum torque of 85 Nm. In terms of battery, the cute horse and the cute horse are equipped with a 9.4 kWh battery pack with a pure electric cruising range of 122 kilometers; Yuanqi Horse and Vigorous Horse are equipped with a 13.9 kWh battery pack, with a pure electric cruising range of 170 kilometers. On the other hand, the High Match (Vigorous Horse) adds a driving recorder interface, a reversing image, a 7-inch LCD instrument and two speakers.

September 18, 2021 Source: Office of Finance Department of Ningxia Hui Autonomous Region

　　Grass-roots government’s basic livelihood, wages and operation are the basic needs to protect the vital interests of the masses, and also the basic conditions to promote the government’s performance of duties and the implementation of various policies. The CPC Central Committee and the State Council attach great importance to this. In 2018, the Central Economic Work Conference proposed to improve the basic financial security mechanism at the county level and enhance the ability of difficult areas and grassroots governments to ensure wages, operations and basic people’s livelihood. The 2019 government work report proposes to reform and improve the county-level basic financial security mechanism, ease the pressure of financial operation in difficult areas, and never let the basic people’s livelihood security go wrong. Ningxia Hui Autonomous Region, as an underdeveloped area in northwest China, has been affected by its own financial shortage and epidemic situation in recent years, and the financial revenue and expenditure situation is particularly severe. In order to effectively ensure the normal operation of grass-roots finance, the autonomous region’s finance strengthens the internet thinking, implements the "three guarantees" guarantee mechanism of cities and counties from four dimensions, ensures that the "three guarantees" guarantee of cities and counties at the grass-roots level is put in place, realizes the smooth operation of the whole region’s finance, and steadily improves people’s livelihood security.

　　First, build a "three guarantees" guarantee mechanism with engineering thinking

　　The work of "three guarantees" at the grass-roots level is a systematic project with wide coverage, strong comprehensiveness and professionalism, which runs through all aspects of financial work. The finance of the autonomous region should make overall plans for development and security, and build a "three guarantees" guarantee mechanism of "system+technology" with engineering thinking. In the financial integration platform, the ability of big data integration analysis is used to organically combine budget management and implementation monitoring, and the budget management integration system is established to control and implement the "three guarantees" guarantee mechanism. Promote the efficiency optimization of the "three guarantees" guarantee mechanism in cities and counties from the perspectives of task objectives, time-point monitoring and guarantee measures, and realize the timely and full payment of the "three guarantees" expenditures of grassroots finance, and the operational risks can be pre-controlled.

　　According to the concept of "integration of information sources, automation of data extraction, and optimization of monitoring and decision-making", the work of "three guarantees" is comprehensively and systematically sorted out from the design of financial macro-business framework to the micro-monitoring of specific accounting indicators, and an information-based, full-chain, dynamic management mechanism of "three guarantees" budgets in cities and counties is established to comprehensively standardize budget management and harden budget constraints. From the task goal, we should construct a "three guarantees" guarantee mechanism with budget arrangement, capital guarantee and system constraint in place; From the time node, it covers the whole process links such as budget demand calculation, project library construction, budget editing, implementation monitoring, analysis and early warning, notification and feedback; From the specific implementation, it is subdivided into financial resources, treasury, budget implementation and temporary payment and other indicators.

　　Second, implement the "three guarantees" guarantee responsibility with the project concept

　　Establish a "three guarantees" budget management mechanism with the project library as the source, and dynamically record the whole life cycle management information of budget projects in real time. According to the "Three Guarantees" guarantee content, it corresponds to specific projects, personnel projects and operation projects in the budget project library respectively. Through the standardized management of the "Three Guarantees" budget projects through the budget integration system, the whole life cycle management of budget project comparison, statistics, analysis and monitoring is realized, the binding force of each link of budget management is enhanced, and the responsibility of "Three Guarantees" guarantee is promoted at the grassroots level in cities and counties.

　　From the aspect of project reserve management, around the demand calculation and project library construction, cities and counties establish project libraries against the "three guarantees" guarantee list, and accurately calculate the expenditure demand according to the actual implementation standards and scope, so as to improve the accuracy of the "three guarantees" budget preparation. According to the scale of available financial resources in the current year, calculate the financial guarantee multiple of the "three guarantees" expenditure in each region, clarify the source of budgetary funds for the "three guarantees" project, and give priority to the "three guarantees" project in the budget.

　　From the aspect of budget preparation management, in the process of budget compilation and project identification, the finance of the autonomous region has established a budget preparation and review mechanism covering all cities and counties in the region to ensure that all the "three guarantees" expenditures of cities and counties are included in the budget without leaving a hard gap. Mark the relevant project libraries with "Three Guarantees" in budget preparation, and set up the verification rules and traceability rules for the requirements of the "Three Guarantees" budget projects based on the budget integration system. On the premise of ensuring the budget arrangement and demand matching of the "Three Guarantees", the "Three Guarantees" project library will be used as the source to lay the foundation for the fund allocation, disbursement and full chain monitoring of the "Three Guarantees" budget project library.

　　From the aspect of project execution and management, we should take the normalization mechanism of direct funds and the integrated norms of budget management as the starting point to harden the budget binding force, strengthen the standardized and efficient implementation of the "three guarantees" project library, urge cities and counties to strictly implement the "two expenditures" priority principle, reasonably balance the "three guarantees" budget expenditures, and realize the accurate and efficient implementation of the financial "three guarantees" funds. Linkage regional temporary payment and hidden debt funds in place, to prevent risk factors affecting the implementation of "three guarantees", to ensure the smooth operation of finance without risks.

　　Third, build a "three guarantees" monitoring system with inventory management

　　The finance of the autonomous region monitors the implementation of the "three guarantees" expenditure in the whole process by means of inventory management, and constructs an all-round dynamic monitoring and management mechanism. Strengthen the means of financial big data integration, solve the practical problems of "three guarantees" with a large number of monitoring data and a wide range, establish an orderly, scientific and efficient monitoring and prevention system, and achieve early detection, early warning, early intervention and early disposal of risks.

　　Build a scientific and reasonable monitoring system. According to the scope and objectives of "Three Guarantees", the specific tasks are decomposed one by one, and the monitoring system of "Three Guarantees" is built by inventory management: four items of "basic livelihood, wages, operation and other rigid expenditures" are the main body, and eight indicators are radiated, including financial security multiple, treasury security multiple, budget arrangement in place rate, financial gap rate of short income, temporary payment compression rate, supernumerary control rate and implicit debt resolution fund in place rate. According to the importance of each index, different weights are given, and the results of index implementation are scored quantitatively every month, so as to objectively analyze the financial operation status and support ability of cities and counties as a whole and fully reflect the risk level of financial operation of cities and counties.

　　Strengthen the ability of data monitoring and analysis. Strengthen digital empowerment, give full play to the advantages of large amount of financial data, strong timeliness and high correlation, extract monitoring data based on the financial integration system, and objectively analyze the financial operation. According to the data such as the implementation of the "three guarantees" budget and the treasury funds of cities and counties, we will strengthen the data penetration and analysis, and form the monitoring and analysis ability of the "three guarantees" operation of cities and counties with full coverage, multiple indicators, penetration, dynamics and informationization. Establish a "three guarantees" monitoring system of weekly report and monthly report. The monitoring results are displayed by multi-dimensional index statistics and visual graphics, and the financial operation of each region is divided into "smooth operation, low risk, moderate risk and high risk" grades, which strongly supports scientific decision-making in cities and counties and efficiently supervises and accurately manages.

　　Strengthen the feedback of risk monitoring results. Regularly submit the dynamic monitoring results of "three guarantees" and rigid expenditures to the party committees and governments of autonomous regions every month, and inform the party committees and governments of cities and counties. For cities and counties above the "moderate risk" level, prompt early warning by SMS, WeChat, sending reminder letters, etc. at the first time; For cities and counties where the "three guarantees" work is ineffective or the guarantee is not in place, informed criticism will be located in the whole region, and the leaders of the autonomous region government will be interviewed or invited to interview the relevant person in charge of the city and county governments as appropriate; Responsible units and personnel in serious cases shall be brought to the attention of relevant departments for accountability according to their responsibilities. Actively guide cities and counties to strengthen the "three guarantees" work, ensure that risk prevention and control and responsibilities are put in place, and comprehensively improve the operational efficiency of financial management.

　　Four, to resolve the "three guarantees" risk warning with the responsibility mechanism

　　According to the accountability mechanism of "whoever bears the responsibility for the guarantee bears the responsibility for the expenditure", and according to the monthly monitoring results of "three guarantees" in cities and counties, the "three guarantees" risk early warning is implemented to resolve the main responsibility. Cities and counties’ financial departments should strengthen cooperation with relevant departments and budget units according to the specific indicators of the monthly monitoring report, be more accurate and effective in the focus, intensity, rhythm and timing of fiscal policy regulation, earnestly grasp the responsibility of "three guarantees" and effectively resolve financial operation risks.

　　On the financial level of the autonomous region, we will strengthen the overall scheduling of treasury funds, keep the treasury funds of cities and counties running within a safe range, and effectively protect the rigid needs of cities and counties such as "three guarantees" expenditures. Improve and optimize the transfer payment method, increase the sinking of financial resources, take the "three guarantees" guarantee as an important factor in the allocation of funds, strengthen the management and guidance of transfer payment funds for the "three guarantees" guarantee of cities and counties, and support cities and counties to ensure the basic and bottom line. Accelerate the reform of financial affairs and expenditure responsibilities in different fields, make every effort to ensure that cities and counties implement expenditure responsibilities, and weave a strong livelihood security network. Study and establish a financial sustainability assessment mechanism, and cities and counties will introduce or improve the basic livelihood policy standards of the "three guarantees" list to assess financial sustainability, taking into account the stage of economic and social development and financial sustainability.

　　On the financial level of cities and counties, we will focus on nine key industries, strengthen fiscal and taxation policies and financial support and guidance, go all out to promote the high-quality development of county economy and the construction of financial resources, and maintain the growth of fiscal revenue in a reasonable range. Strengthen the overall planning of financial resources, optimize the allocation of financial resources, further enhance the local financial security capacity, and make overall arrangements for the "three guarantees" and bond debt service expenditures. Deepen the integration of budget management, improve the management level of "three guarantees" budget project library, implement systematic control of budget management, and strengthen the binding force of "three guarantees" expenditure. Vigorously reduce non-rigid expenditures, constantly adjust and optimize the fiscal expenditure structure, and ensure the normalization of the efficient and high-quality tight life mechanism. Strengthen the main responsibility of budget execution of departments and units, strictly implement the principle of "two expenditures", continue to accelerate the implementation progress of people’s livelihood expenditures, and effectively secure the bottom line of people’s livelihood security.

"The day when the graded diagnosis and treatment system is realized is the time when China’s medical system reform is successful." Ma Xiaowei, director of the National Health and Wellness Commission, said this in the "Ministerial Passage" of the National People’s Congress in 2019, which revealed the essence of China’s medical service system and the ultimate goal of medical reform.

However, to achieve the goal of graded diagnosis and treatment can not be achieved overnight. The top-level design of the National Health and Wellness Committee has long been preset, and the connection between medical associations will be included in one of the primary tasks leading to graded diagnosis and treatment.

Medical association inserts "wings" for graded diagnosis and treatment

The medical association refers to the regional medical association, which integrates the medical resources in the same area, and usually consists of three-level and two-level hospitals, community hospitals and village hospitals in a region.

In fact, as early as 2016, at the National Health and Wellness Conference, the General Secretary of the Supreme Leader emphasized: speed up the construction of graded diagnosis and treatment system, improve the level of primary medical services, and for the first time in his speech, positioned "graded diagnosis and treatment" as the first of the five basic medical and health systems, demanding "breakthrough". Subsequently, the National Health and Wellness Commission and other departments issued a number of documents and policies to promote the development of medical associations.

On April 23, 2017, the General Office of the State Council issued the Guiding Opinions on Promoting the Construction and Development of Medical Consortium, which officially promoted the construction of medical consortia to a national policy. The opinions clearly required that all tertiary public hospitals should start the construction of medical consortia before the end of October 2017, and comprehensively start various forms of medical consortia.

On January 3, 2018, the Action Plan for Further Improving Medical Services (2018-2020) issued by the National Health and Wellness Commission proposed to provide continuous medical services with the medical association as the carrier in three years from 2018 to 2020.

In 2019, it entered the second year of implementing the medical association, and the related promotion work reached a new height. On May 22nd, the National Health and Wellness Commission and the State Administration of Traditional Chinese Medicine jointly issued the Notice on Carrying out the Pilot Work of Urban Medical Consortium Construction, which clearly proposed to promote the construction of graded diagnosis and treatment system and medical consortium, build a high-quality and efficient medical and health service system, and gradually realize the grid layout management of urban medical consortia; It is planned that by the end of 2019, 100 pilot cities will fully start the grid layout and management of urban medical associations, and each pilot city will build at least one medical association with obvious results, initially forming a medical association management model led by urban tertiary hospitals and based on primary medical institutions, rehabilitation, nursing and other medical institutions.

On June 4, 2019, the General Office of the State Council issued "Key Tasks for Deepening the Reform of Medical and Health System in 2019", proposing to formulate management measures for medical associations, which indicates that the work of medical associations tends to a comprehensive and standardized stage, and the era of medical associations has begun.

Compared with the official implementation of the medical association in 2017, after two years, the medical association has gradually leapfrogged from "nothing" to "existence" to the development trend of improving "quality" and "quantity".

With the promotion of graded diagnosis and treatment, problems such as vague grading positioning, insufficient grass-roots capacity, lack of coordination at all levels, lack of continuity of medical services, disorderly flow of patients, poor experience and payment support have gradually surfaced, which need to be solved urgently.

The mode of urban medical group is one of the four modes of medical association. As typical representatives, Shenzhen Luohu Medical Group and Jiangsu Zhenjiang Rehabilitation Medical Group have made many explorations and achieved good results, which are worth learning from.

Luohu model: management, service, benefit and responsibility are four in one.

In 2015, taking Luohu District as a pilot, Shenzhen initiated the collectivization reform of medical institutions with administrative districts as a unit.

The medical reform in Luohu integrated five hospitals and 23 community health centers to form a hospital group. Under the principle of integration of staffing, operation management and medical services, doctors in the group realized free flow, solved the problem of lack of medical care at the grassroots level, and provided residents with the whole service of "prevention-health care-treatment-rehabilitation-nursing-old-age care".

In terms of resources, optimizing and reorganizing "similar" resources within the hospital and intensively setting up resource sharing centers such as medical examination, radiological imaging, disinfection supply, health management, logistics distribution and information management have greatly reduced operating costs.

The Group adopted a new medical insurance payment model of "lump sum of medical insurance funds and reward for savings", which forced the hospital to continuously improve its technical level and service quality and realize the transformation from "making money by treating diseases" to "preventing diseases and saving money". Because residents are not restricted from choosing hospitals, and the medical insurance expenses for residents seeking medical treatment abroad should be paid from the total amount of the group, the hospital group can only benefit more by doing a good job in preventive health care and health management, so that the contracted insured can get less sick and have fewer serious illnesses.

In terms of organizational structure, Luohu Hospital Group has established a unified legal person to co-ordinate the medical resources in the whole region, constructed a new corporate governance structure, established a responsibility community, and solved the problems of small and comprehensive hospital setting, redundant construction, low efficiency and homogeneous competition. By strengthening the community health center, implementing the contract service of family doctors, we will try our best to solve the problem of "lack of doctors, medicines and examinations" in community health, and establish a healthy community to solve the problems of lack of quality resources in community health centers and people’s distrust.

A major innovation of Luohu Medical Group is to establish an incentive mechanism of "total amount management, balance retention and reasonable over-value burden" with the hospital group as the link. Another highlight is that the health status of residents is taken as a quantitative indicator, and the assessment results are linked to financial subsidies and the annual salary of the group leadership; Implement the measure that grass-roots general practitioners enjoy the same treatment as the staff of public hospitals, and take grassroots work experience as the condition for the medical staff of the group to return to the city and be promoted.

The success of Luohu Medical Group lies in the integration of management, service, interests and responsibilities.

Rehabilitation group: minor illness in the community, serious illness in the hospital, rehabilitation back to the community.

As early as its establishment, Jiangsu Rehabilitation Medical Group was positioned as a compact medical group with assets as the link.

First of all, in terms of organizational structure, Zhenjiang Municipal Government entrusts Health Bureau as the investor to perform the function of running medical services, and establishes a medical group with Zhenjiang First People’s Hospital as the core, including 5 secondary hospitals and 10 community health centers, which makes an innovative breakthrough in management system: separating management from health administrative departments, and establishing a corporate governance structure of public hospitals, which is both public welfare and arousing enthusiasm.

Secondly, in terms of resource integration, six centers have been set up, including clinic, imaging, procurement and supply, disinfection and supply, information and community health management, and a two-way referral mechanism has been established between public hospitals and community health institutions. At the same time, community standardization construction has been strengthened, and grid management has been implemented for grassroots medical and health services, so that the overall service level of community health service institutions has been significantly improved, and patients have been rationally diverted to promote the formation of "minor illness in the community, serious illness in the hospital, and rehabilitation back to the community" While alleviating the "difficulty in seeing a doctor", group hospitals can share medical resources, so that the overall efficiency of the medical and health service system can be fully exerted, the utilization rate of medical resources can be improved, and the operating cost can be reduced.

Establish a reasonable and effective incentive mechanism, be more flexible in the mechanism of selecting and employing people, and introduce a performance-based salary system in the distribution system to mobilize the enthusiasm of medical staff; Financial subsidies will be provided to the community where doctors are dispatched from large hospitals, and the dispatched doctors will be given priority in promoting their professional titles. A joint rehabilitation ward will be set up in the community, and the hospital will send directors and head nurses to the rehabilitation patients transferred to the community, and solve the problems of equipment, medicines, nurses, referrals, etc., and carry out homogeneous medical care services.

Finally, in terms of supporting policies, Zhenjiang has given full play to the advantages of health departments in managing medical insurance and medical and health services as a whole, and carried out the reform of combined payment methods combining total budget, payment by disease type and payment by head.

The future of "communication" of medical association can be expected

Through the representative cases of Shenzhen Luohu Medical Group and Jiangsu Zhenjiang Rehabilitation Medical Group, it is not difficult to find that the construction of urban medical association has realized the effective allocation of medical resources, and has formed graded diagnosis and treatment, which has promoted health management to a certain extent and achieved the goal of medical reform. Therefore, it is a long-term project to establish a graded diagnosis and treatment system and build a medical association.

The construction of medical association and the signing service of family doctors are two important starting points for establishing a graded diagnosis and treatment system. The medical association has rebuilt and reorganized China’s medical and health service system, allowing ordinary people to enjoy all-round, full-cycle and continuous medical services in the medical association through family doctors, and to get rid of the current situation that they tend to "go up" in different medical institutions and accept fragmented and discontinuous medical services.

In addition to the strong promotion of the government, the most important thing in the construction of medical associations is to establish an internal benefit sharing mechanism, so that the institutions of medical associations can realize their own interests and development through division of labor and cooperation, resource sharing, etc. This is also the key factor for Shenzhen Luohu Medical Group and Jiangsu Zhenjiang Rehabilitation Medical Group to achieve results.

Based on the strong support of the national level for the medical association, major medical institutions are actively practicing and exploring. It can be predicted that in the next few years, by organically integrating the construction of the medical association with the contract service of family doctors, the medical association can finally achieve the "communication" of the medical association and solve the "pain" of the masses in seeing a doctor.

Want to know more excellent cases of urban medical associations? Want to communicate with more outstanding peers in depth?

Welcome to add Teacher Zhang on 13810667642 (WeChat) and join the exchange group of the fifth season to improve medical services!

From May 15th to August 15th, ten cases of improving medical services with the theme of "Innovating and Building Urban Medical Consortium" in the national hospital competition are being collected, so action is better than action! Click to learn more.

On the first day of Vanke’s resumption of trading, Vanke was still reporting the suspicion of insider trading between Baoneng and China Resources to the relevant departments with the help of the largest natural person shareholder, and Wang Shi had been stripped of the details of insider trading.

I don’t know who is standing behind this WeChat WeChat official account, which has only posted three articles, each of which is directed at the inside story of Vanke and attracted the attention of Wang Sicong.

But no matter who it is, no matter where it is, you should work hard to write a black manuscript, okay? I don’t want to be your knife.

Vanke resumed trading and was firmly sealed at the daily limit.

Some people say that this is a fatal blow to Yao Jianhua by Wang Shi. It is predicted that when Vanke’s share price drops by one third, Baoneng will be forced to explode.

It’s time for the sword to see blood, and both sides have prepared for the contest after the resumption of trading.

A week ago, at Vanke’s 2015 shareholders’ meeting, the live broadcast channel opened by Vanke gave Mr. Liu Yuansheng, the largest natural person shareholder of Vanke, a close-up shot.

Today, on the first day of Vanke’s resumption of trading, Mr. Liu Yuansheng published a tip-off letter addressed to China Securities Regulatory Commission, China Banking Regulatory Commission, China Insurance Regulatory Commission, the State Council State-owned Assets Supervision and Administration Commission, Shenzhen Stock Exchange, Hong Kong Stock Exchange and Shenzhen Securities Regulatory Bureau.

Liu Yuansheng reported five issues by real name — — The number of cooperation projects between Baoneng Department and China Resources; What tacit understanding has Baoneng reached with China Resources? What is the conspiracy behind the two sides’ reneging on the deep iron? Secret agreement, insider trading and market manipulation between Baoneng and China Resources; Baoneng uses illegal funds to acquire listed companies.

A few hours later, China Resources publicly responded that,

Authorization statement of spokesman of China Resources Group:

Today, China Resources noticed that there was a real-name tip-off letter signed by Liu Yuansheng, the largest natural person shareholder of Vanke.

The Company hereby solemnly declares that China Resources has reported and communicated the relevant contents mentioned in the report letter to the higher authorities and regulatory agencies, and the relevant information has been disclosed to the public. The speculation, presumptions and slander in this report letter have constituted a negative impact on the reputation of our company.

China Resources will take legal action against Mr. Liu Yuansheng and pursue legal responsibility to safeguard the reputation of China Resources.

Compared with Vanke’s heavy punch, Baoneng’s punch is more fragrant and sly.

I don’t know if everyone’s circle of friends has been screened by this article "Tian Pujun’s past world was robbed by a woman who walked by night" today.

Almost less than an hour, this article had more than 100,000 hits, until it was forwarded by Weibo, Wang Sicong, and reached a complete climax.

In this magical article, there are two pieces of gossip that have never appeared in rivers and lakes before, which are related to Wang Shi’s use of Vanke’s hidden interests to transfer and insider trading in Tian Pujun.

It is recognized that these two projects point to the North Riverside A 717 developed by Vanke and the Metropolis respectively.

A few hours later, another news related to Miss Tian appeared in the circle of friends. Miss Tian has always stressed that she is richer than Wang Shi. It turned out to be true and scared the baby to death!

Tian Pujun registered Beijing Jiuyang Shenghe Technology Co., Ltd. in 2010, with a registered capital of 100,000 yuan. In 2013 and 2014, its total sales amounted to tens of billions, but its net profit lost more than 4 billion, its liabilities reached more than 60 billion, and its tax payment was 0. This is really a company with amazing financial data.

This Beijing Jiuyang Shenghe Technology Co., Ltd., the only business information that can be found in the public information is "I invested in the movie" Chinese Partner "that Miss Tian relishes.

But there are also rumors that the investor of this film is Wang Shi.

Vanke is still reporting the suspicion of insider trading between Baoneng and China Resources with the help of the first natural person shareholder, and Wang Shi has been stripped of the details of insider trading.

Well, let’s talk about this more magical WeChat WeChat official account that revealed the insider trading between Wang Shi and Miss Tian.

This WeChat official account, named Beast House, was registered on May 25th this year, and only wrote three articles, one of which revealed the inside story of Vanke. He read a lot of off the charts, and his praise was amazing.

However, after the article "Tian Pujun Liao Han’s past world was robbed by a woman who walked by night" was screened at the Animal House, I received such news one after another.

I was surprised to find that this original article from the company’s "Animal House" was actually a large part of my previous article, Miss Tian, you are so swearing, and why I hate these two articles (1). The screenshots are proof.

　

　

　

　

　

Angry, of course, I ran to the WeChat backstage to report it, and soon found that this article was deleted by the original author (but there were a lot of reprints on the rivers and lakes). The author’s explanation for the deletion of an article that was "original" all night is as follows.

I don’t know if the plagiarism squad mentioned by her circle of friends means me, anyway, I only have hehe.

Having said so much, I am not happy that my words have been plagiarized by others. Secondly, I don’t know who is standing behind this WeChat WeChat official account, which has only posted three articles and directed at the inside story of Vanke and attracted the attention of Wang Sicong.

But no matter who it is, no matter where it is, you should work hard to write a black manuscript, okay? I don’t want to be your knife.

In addition: Since I have also written two articles related to Miss Tian, it must be explained that this is just because I am a Northeast banker and I really don’t want to hide my dislike for Miss Tian. As for the right and wrong in the dispute of Vanke, I have said in the article "Those who have too much public information should not join the dispute of Vanke’s mouth and cannon" that our generation can only watch the dispute of Vanke with the attitude of watching the sky at night.

　　Dedicate more fine products, which are small but not weak, short and not shallow, and are artistic, ideological and ornamental.

　　

　　As one of the hot spots in the film and television industry in recent years, "micro-short drama" has become a hot word on the Internet. At this year’s National People’s Congress, many deputies made suggestions and suggestions on micro-short plays, which aroused social concern.

　　From the initial stage of germination to the rapid growth, miniseries have become a "traffic highland" in the field of network audio-visual in a relatively short period of time. During this year’s Spring Festival holiday, the number of micro-short drama works and the scale of users have expanded significantly, and the "Spring Festival file" on the small screen has made a new splash, meeting the cultural needs of different groups of people. Inspirational drama "Beyond it! A Juan shows the traditional non-legacy of "Awakening the Lion", the romantic drama "The Great New Year’s Eve" reflects the contemporary young people’s views on marriage and love through personal growth, and the light comedy "Aunt’s World New Year’s Eve" focuses on social hot topics from the perspective of the elderly … According to incomplete statistics, only a short video platform has 8 works played more than 100 million times during the Spring Festival. According to statistics, in 2023, the market size of China’s online miniseries reached 37.39 billion yuan, and it is expected to exceed 100 billion yuan in 2027.

　　The popularity of miniseries is inseparable from the artistic expression that conforms to the iteration of media change. At present, short video has become one of the important ways of people’s daily entertainment. Based on the short video, the mini-short drama has the advantages of small volume, fast pace, dense plot and many reversals, which is more suitable for fragmented viewing time. At the same time, in the early stage of the development of miniseries, most of the works were produced by users themselves. The low threshold creation of the Internet has ignited the public’s enthusiasm for recording all kinds of life and expressing their true feelings. In addition, the production cycle of miniseries is short, the cost of setting scenes is low, the shooting cost is low, and there are many opportunities for realizing. This provides more opportunities for young people, which is conducive to the emergence of ideas and the enhancement of content richness.

　　It should also be noted that some unavoidable problems have also been exposed in the rapid development of miniseries. For example, shoddy work for quick delivery and low style for eye-catching will certainly do harm to the healthy creative ecology and business cycle. As a new cultural product with a wide audience, miniseries can’t go astray in extensive development, and should pay more attention to quality while attracting traffic.

　　Supervision and support go hand in hand to guide the orderly development of micro-short plays. In order to promote the high-quality development of miniseries, the State Administration of Radio and Television has repeatedly carried out special rectification and industry standardization, and made efforts to curb its barbaric growth and turn the governance work into normalization. At the same time, for outstanding works, the management department also gives strong support in financial support, expert guidance, award evaluation, matrix publicity and other aspects, and actively expands new tracks, such as combining with local cultural tours, to open up new ideas for the development of micro-short dramas. Facing the future, further strengthening effective supervision and strengthening policy support can help the high-quality development of the industry.

　　Attract professional teams to enter the market and promote the upgrading of micro-short plays. On the one hand, we should give full play to the professional advantages of traditional film and television companies, well-known directors and actors, and start with the whole chain of project planning, content creation, shooting and editing, publicity and promotion, so as to promote the overall improvement of the quality level of miniseries. On the other hand, the video broadcasting platform can provide support for micro-short plays, content incubation, talent training, etc., and systematically arrange the massive content in the past, creating a schedule system and a theater system to make the works reach the audience better.

　　Strengthen the awareness of fine products and win a double harvest of traffic and word of mouth. Miniature plays have horizontal and vertical screens, but the key to touching people’s hearts lies in quality. Nowadays, more and more creators abandon impetuousness, seek inspiration from fiery real life, temper quality and improve taste with sincere attitude, and meet people’s growing spiritual and cultural needs. More dedication to fine works, micro but not weak, short and not shallow, both artistic, ideological and ornamental, this is the broad road to the high-quality development of micro-short plays.

　　In the long run, miniseries are also a new cultural format. It is expected that the miniseries will continue to shine with new brilliance, move towards a broader stage in creation and communication, and become an effective carrier for telling the story of China.

　　People’s Daily (April 1, 2024, 05 edition)

Haikou, China Broadcasting Network, March 20 th Recently, Haikou Zhongsheng Lexus Automobile Sales & Service Co., Ltd. was suspected of increasing the price outside the price, which caused widespread concern after being exposed by the media. On the morning of March 20th, the reporter learned from Haikou Municipal Market Supervision Administration that the market supervision department planned to impose an administrative penalty of 450,000 yuan for the company’s price fraud that refused to fulfill its price commitment without justifiable reasons, and put it on the list of serious violations of law and dishonesty.

Haikou Zhongsheng Lexus 4S Store (photo by Yang Guangwang reporter Cai Wenjuan)

In January this year, Mr. Wang, a citizen, ordered a car in Haikou Zhongsheng Lexus 4S store (affiliated to Haikou Zhongsheng Lexus Automobile Sales and Service Co., Ltd.). After signing the contract and paying the deposit, the salesman asked for an additional service fee of 100,000 yuan as a condition for picking up the car. After being rejected by Mr. Wang, the salesperson unilaterally returned the car purchase deposit. After the competent departments of commerce, market supervision and other industries in Haikou intervened in the investigation, on March 14th, the 4S store issued an apology statement and dismissed the customer service manager involved.

Administrative Law Enforcement Detachment of Haikou Municipal Market Supervision Administration (photo by Yang Guangwang reporter Cai Wenjuan)

On March 20th, a notice that Haikou Municipal Market Supervision Administration was included in the list of serious violations of law and dishonesty (hereinafter referred to as the "notice") was circulated on the Internet. After verification by the reporter, it was confirmed as the relevant documents issued by Haikou Municipal Market Supervision Administration.

The "Notice" shows that Haikou Zhongsheng Lexus Automobile Sales & Service Co., Ltd. failed to fulfill its price commitment and put forward an unreasonable request to raise the price by 100,000 yuan beyond the agreed price. After the consumer Wang refused, he unilaterally returned the deposit. Haikou Zhongsheng Lexus Automobile Sales & Service Co., Ltd. is suspected of violating Item 4 of Article 14 of the Price Law of People’s Republic of China (PRC) and Item 3 of Article 2 and Item 5 of Article 19 of the Provisions on Clearly Marking Prices and Prohibiting Price Fraud, which constitutes a price fraud that refuses to fulfill the price commitment without justifiable reasons. According to Article 23 of the Provisions on Clearly Marking Prices and Prohibiting Price Fraud and Article 7 of the Provisions on Administrative Penalties for Price Violations, Haikou Municipal Market Supervision Administration intends to impose an administrative penalty of RMB 450,000 on Haikou Zhongsheng Lexus Automobile Sales & Service Co., Ltd..

According to Article 2, Paragraph 2, Item 1 and Article 9, Item 6 of the Measures for the Administration of Market Supervision and Management of Serious Violations of Law and Trustworthiness, it is now decided to include Haikou Zhongsheng Lexus Automobile Sales & Service Co., Ltd. in the list of serious violations of law and trustworthiness, publicize it to the public through the national enterprise credit information publicity system, and implement corresponding management measures. The inclusion period is three years from the date of inclusion.

On the morning of the same day, Yuan Renxiang, a case handler of the Administrative Law Enforcement Detachment of Haikou Municipal Market Supervision Administration, introduced in an interview that after receiving the case clue letter forwarded by Haikou Municipal Bureau of Commerce, Haikou Municipal Market Supervision Administration immediately organized the case handlers to go to the scene to investigate and collect evidence and issue handling opinions. During the period, the case-handling personnel collected complaints related to the 4S shop since 2019, and found no similar situation. At the same time, during the investigation, the case-handling personnel contacted Mr. Wang many times, but they failed to get in touch, which also caused certain difficulties in the investigation process.

The case-handling personnel were interviewed by reporters (photo by Yang Guangwang reporter Cai Wenjuan)

Yuan Renxiang said that at present, the relevant investigation results have come out, and the Haikou Municipal Market Supervision Administration has also issued a Notice, which was delivered to the person in charge of the enterprise involved on the evening of March 19.

Li Kexiong, the captain of the Fourth Brigade of the Market Supervision Administrative Law Enforcement Detachment of Haikou Municipal Market Supervision Administration, said that the case is still being processed. After the Notice is delivered to the enterprises involved, the enterprises have five working days to appeal. After 5 working days, if there are no other circumstances, the market supervision department will issue a "Penalty Decision" in accordance with relevant procedures.

The relevant person in charge of the office of Haikou Municipal Market Supervision Administration told the reporter that the market supervision department has not strictly defined the behavior of adding value-added service fees to some businesses. "Any fee must be clearly marked and the service content is clear. Sales staff should inform consumers in advance before charging, and consumers have the right to choose to accept or refuse. " The person in charge said.

The person in charge reminded consumers not to trust the verbal promises of the merchants when buying a car, but to sign a car purchase contract, pay attention to whether the terms of the car purchase contract are complete, clearly stipulate the necessary elements of the purchased car, and list the total price, payment method and time limit of the vehicle transaction, delivery method and time limit of the vehicle, as well as the handling of quality disputes and objections and the liability for breach of contract, so as to avoid the difficulty of proof when defending rights and earnestly safeguard their legitimate rights and interests.

(The original title is "Haikou Municipal Market Supervision Bureau intends to impose a fine of 450,000 yuan on Lexus 4S shop for" suspected price increase "and list it in the list of serious violations of law and trust")

　　"Recently, we are studying and launching several other structural tools, mainly focusing on supporting the smooth operation of the real estate market, including the Baojiaolou loan support plan, the housing rental loan support plan, and the private enterprise bond financing support tools. We will make some other detailed disclosures and releases after the introduction." On January 13, at the press conference of the State Council Office, Zou Lan, Director of the Monetary Policy Department of the Central Bank, introduced.

　　In the past few days, the real estate policy has been favorable. On the 10th, the People’s Bank of China and China Banking and Insurance Regulatory Commission jointly held a symposium on credit work of major banks. At the symposium, CBN was informed that in order to effectively prevent and resolve the risks of high-quality head housing enterprises and improve their assets and liabilities, the relevant departments drafted the Action Plan for Improving the Balance Sheet Plan of High-quality Housing Enterprises (hereinafter referred to as the Action Plan). The action plan focuses on 21 tasks from four aspects: assets, liabilities, rights and interests, and expectations, including the implementation of some issued policies and some new policies.

　　Chen Wenjing, director of market research in the Index Division of the Central Finger Research Institute, said that the four major policy directions of financial support for real estate are clearer: differentiated credit support on the demand side, improvement of policy tools for guaranteeing the delivery of buildings, improvement of the balance sheets of high-quality housing enterprises, and improvement of financial support policies for housing leasing.

　　Improve the balance sheet of high-quality housing enterprises

　　From the specific content of the action plan, on the asset side, we should activate reasonable demand by optimizing policies, increase efforts to guarantee the delivery of buildings, stabilize real estate sales, compact the responsibility of enterprises to slim down and save themselves, and strive to improve the operating cash flow of high-quality housing enterprises. We will support the demand for rigid and improved housing, speed up the special loan for newly-added Baojiaolou, set up a 200-billion-yuan loan support plan for Baojiaolou, set up a special re-loan for national asset management companies, and set up a 100-billion-yuan housing rental loan support plan. A series of measures are accelerating.

　　On the debt side, under the premise of risk control and ensuring the security of creditor’s rights, we will start with the stock and increment, increase the multi-channel financing support such as loans, bonds and asset management, and keep the financing cash flow of high-quality housing enterprises stable.

　　On the equity side, support high-quality housing enterprises to enrich their capital through equity financing measures, reduce financial leverage and enhance their ability to resist risks.

　　In terms of the expected improvement of the real estate market, it is clear that it is necessary to establish a positive image of high-quality housing enterprises, ensure the delivery time and quality of commercial housing, improve the quality of financial statements and information disclosure of housing enterprises, improve market expectations and rebuild industry confidence.

　　Zou Lan said at the press conference that the action plan focuses on high-quality real estate enterprises that focus on their main business, operate in compliance, have good qualifications and have certain systemic importance, and focuses on promoting 21 tasks in four aspects: asset activation, debt succession, equity supplement and expected promotion. Comprehensive measures are taken to improve the cash flow of high-quality real estate enterprises and guide the balance sheets of high-quality real estate enterprises to return to a safe range. These tasks include not only the implementation of the policies that have been issued, but also a series of new measures such as setting up special refinancing for national asset management companies and setting up housing rental loan support plans.

　　While clarifying the basic conditions of high-quality housing enterprises, the action plan indicates that there is no specific list, and financial institutions can grasp it independently. At present, most real estate enterprises that have signed intention credit agreements with state-owned banks and other prime bank can be classified as high-quality real estate enterprises. The industry also believes that the absence of a specific list means that the scope of supporting enterprises is also expanding.

　　Liu Shui, director of enterprise research at the China Central Finger Research Institute, believes that the formulation of the action plan shows that the management department has made a more systematic and overall solution to prevent and resolve the risks of high-quality head housing enterprises. "Asset activation effectively improves the operating and financing cash flow of housing enterprises. Debt continues to ease the liquidity tension. Supplement equity, optimize the structure of assets and liabilities, and reduce leverage ratio. The expected improvement will repair industry confidence. "

　　"Three lines and four gears" will be adjusted

　　What is particularly striking is that the action plan clearly needs to improve the "three lines and four files" rules for 30 pilot housing enterprises, and improve some parameter settings on the basis of keeping the overall framework of the rules unchanged.

　　The so-called "three lines and four gears" means that in August 2020, the Ministry of Housing and Urban-Rural Development and the central bank held a symposium on key real estate enterprises, at which three regulatory requirements were put forward: the asset-liability ratio excluding advance payments should not be greater than 70%, the net debt ratio should not be greater than 100%, and the cash short-term debt ratio should not be less than 1 times.

　　According to the number of lines on the "three red lines", real estate enterprises are divided into four grades of management: red, orange, yellow and green. For each grade reduction, the upper limit of the growth rate of interest-bearing liabilities will increase by 5%, and the annual growth rate of interest-bearing liabilities of real estate enterprises in the green position should not exceed 15%.

　　According to the regulatory requirements, from January 1, 2021, housing enterprises officially entered the test period of reducing leverage; By the end of June 2023, all the "three red lines" indicators of pilot housing enterprises must meet the standards, and all housing enterprises will meet the standards by the end of 2023.

　　Since then, downshifting, debt reduction and burden reduction have become the main theme of housing enterprise management. In this tide of reducing leverage, many housing enterprises optimize their balance sheets by reducing borrowing and controlling land acquisition. Until 2021, the leverage ratio of the whole industry generally showed a downward trend. However, since 2022, affected by repeated epidemics, supply cuts and other factors, the sales of housing enterprises have fallen sharply, and the return and cash holdings have dropped significantly. The "stepping on the line" housing enterprises have a tendency to expand.

　　According to Cree’s statistics, from the classification of sample real estate enterprises, the number of real estate enterprises stepping on the line has increased significantly since the middle of 2021, and the proportion of green housing enterprises in the first half of 2022 has dropped from 42% at the beginning of the year to 32%; The proportion of yellow, orange and red housing enterprises has risen, and the proportion of red housing enterprises has increased year by year, from 7% in mid-2021 to 17% in mid-2022.

　　At the same time, there is the problem of excessive contraction of financial institutions. Some financial institutions will require that the balance of interest-bearing liabilities of "red-file" enterprises should not be increased, which is misunderstood as that banks are not allowed to issue new development loans. After the enterprises pay back the loans, the newly started projects that should have been reasonably supported will not get loans, which has also caused some enterprises’ capital chains to be tight to some extent.

　　Last year, industry suggestions for fine-tuning the "three red lines" began to appear. For example, Sheng Songcheng, former director of the Survey and Statistics Department of the People’s Bank of China, suggested in April last year that the deleveraging cycle should be appropriately extended without changing the goal of deleveraging policy, including appropriately adjusting the three red lines and loan concentration assessment requirements, so as to gain time for the industry to respond to the epidemic.

　　At the beginning of last year, there was market news that banks had informed some large-scale high-quality real estate enterprises that the relevant M&A loans were no longer included in the "three red lines" related indicators for the debt-bearing acquisition of insurance enterprise projects. However, the "third line and fourth gear" is still an important criterion for financial institutions to judge housing enterprises.

　　Experts interviewed in the industry believe that the "three red lines" standard will be fine-tuned, and it is expected that the requirements of the red line will not change. It may be the same as the loan concentration, extending or setting the transition period, weakening different gears, and increasing the tolerance for debt growth. The requirements for land acquisition and cash flow will also decrease. As a result, some enterprises will have certain leverage space.

　　Yan Yuejin, research director of Shanghai Yiju Real Estate Research Institute, believes that mortgage concentration and three red lines will continue to be implemented, and the overall reform idea is still in line with the long-term mechanism of real estate financial management, but it will be combined with short-term and medium-and long-term work. At present, the short-term emergency policy will be emphasized, so the concentration of mortgage and the three red lines will be relaxed or buffered.

　　Liu Shui said that reasonably extending the transition period of the real estate loan concentration management system and improving the parameter setting of the "three-line and four-file" rules of housing enterprises will give housing enterprises a relaxed financing environment and reduce the pressure of financing and debt. On the one hand, extend the transition period of real estate loan concentration management system, reduce the credit constraints of banks, and provide loose conditions for banks to support real estate financing. On the other hand, according to the actual situation of the industry, flexibly adjusting and perfecting the parameter settings of "three lines and four gears" and reducing the requirements for housing enterprises can reduce the pressure on the operation, financing and debt of housing enterprises.

　　The market is expected to go out of the trough.

　　"The industry’s debt structure is highly diversified, and financial liabilities only account for 31%, of which bank development loans account for 14%, domestic and foreign bonds account for 9%, and non-standard financing accounts for 8%; The rest are mainly 30% of the upstream and downstream enterprises, 32% of the individual house payment in advance, and 7% of the taxes and fees delayed. " Zou Lan said at the press conference.

　　Real estate has a systematic impact on economic development and risk prevention and control. The Central Economic Work Conference made it clear that to effectively prevent and resolve major economic and financial risks, it is necessary to ensure the stable development of the real estate market, do a solid job in ensuring the delivery of buildings, people’s livelihood and stability, meet the reasonable financing needs of the industry, effectively prevent and resolve the risks of high-quality head housing enterprises, and improve the balance sheet.

　　Since 2022, in response to some adjustments in the real estate market, financial management departments have made efforts from both supply and demand to promote the smooth operation of the real estate market. With the gradual emergence of relevant policies, the financing environment of the real estate industry, especially high-quality housing enterprises, has improved significantly.

　　Zou Lan introduced that from September to November 2022, real estate development loans increased by more than 170 billion yuan, an increase of more than 200 billion yuan year-on-year. In the fourth quarter of 2022, domestic real estate corporate bonds issued more than 120 billion yuan, a year-on-year increase of 22%.

　　"Recently, many banks have signed a huge amount of strategic credit cooperation with real estate enterprises, but they are all thunder and rain." A person from the investment banking department of a brokerage firm who has been tracking the real estate sector for a long time said that banks may delay the landing on the grounds that the concentration of real estate loans has been relatively high. If the action plan is followed up, it may clear the way for financial institutions such as banks to provide support to the real estate industry.

　　Yuan Hao, an analyst in the real estate industry of Shenwan Hongyuan, believes that improving the "three lines and four files" rules for 30 pilot housing enterprises indicates that the scope of the "guarantee subject" will be further expanded, and the debt growth ceiling of the "four files" housing enterprises will be optimized, especially the green file housing enterprises may have more room for expansion at the debt end, and the subsequent green file housing enterprises will be more active in land acquisition and help the sales increase steadily.

　　Lian Ping, chief economist and dean of the research institute of Zhixin Investment, believes that in 2023, driven by stronger policies, the real estate market is expected to gradually step out of the "trough" in the second half of the second quarter, and key cities will take the lead in stabilizing and rebounding. The growth rate of real estate sales, land acquisition and investment throughout the year is marginally improved compared with that in 2022. At the same time, a series of factors such as improved demand, improved employment environment, accelerated repair of service consumption, increased support for boosting policies and low base will promote a significant rebound in social consumption.