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

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

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

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

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

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

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

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

　　Step 7: Enter the application certificate information.

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

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

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

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

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

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

　　Step 4: Enter the application certificate information.

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

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

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

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

　　Step 2: Click [Application for Skills Upgrading Subsidy]

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The following is the full text of the dialogue:

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

Jiang Sida:Hello, everyone.

Chen Xiaoyun:Hello, everyone.

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

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

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

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

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

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

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

Jiang Sida:I don’t know.

Chen Xiaoyun:I don’t know.

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

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

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

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

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

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

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

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

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

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

Chen Xiaoyun:Controversy.

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

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

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

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

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

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

Jiang Sida:Yes, something more positive.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Jiang Sida:Yes.

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

Jiang Sida:Compare down.

Chen Xiaoyun:Right?

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

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

Jiang Sida:More timid?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Jiang Sida:We’re fake. Are we fake?

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

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

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

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

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

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

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

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

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

Chen Xiaoyun:There is no difference.

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

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

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

Jiang Sida:Yes, there must be.

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

Jiang Sida:Yes.

Chen Xiaoyun:Really? I didn’t.

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

Chen Xiaoyun:There are also.

Jiang Sida:Right.

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

Jiang Sida:That’s true

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

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

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

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

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

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

Jiang Sida:Divide people.

Phoenix Network "Extraordinary Way": Really.

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

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

Jiang Sida:Really?

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

Jiang Sida:Right.

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

Jiang Sida:Yes.

Chen Xiaoyun:Is there?

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

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

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

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

Jiang Sida:Of course she does.

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

Jiang Sida:The breeze comes naturally.

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

Jiang Sida:Sure, thank you.

Chen Xiaoyun:Ok, thank you.

Phoenix Network "Extraordinary Way": Thank you.

Every reporter Yi Wangqi Qijiang

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

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

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

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

Cartography: Zou Li

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

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

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

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

● March 2016

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

● April 2017

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

● September 2017

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

… …

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

● May 2016

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

● April 2017

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

● May 2017

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

● September 6, 2017

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

● December 2017

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

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

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

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

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

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

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

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

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

There are many reasons for the low enthusiasm of banks:

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

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

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

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

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

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

● June 2009

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

● Beginning in 2014

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

● August 24, 2016

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

● 2018

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

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

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

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

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

Image source: Photo courtesy of test students

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

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

Image source: Photo courtesy of test students

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

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

Image source: Photo courtesy of test students

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

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

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

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

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

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

Is the fact really as argued by Flash Silver?

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

Image source: Photo courtesy of test students

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

Image source: Photo courtesy of test students

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

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

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

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

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

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

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

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

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

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

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

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

Image source: Photo courtesy of test students

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

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

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

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

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

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

Is the fact really as described in the auction loan?

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

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

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

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

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

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

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

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

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

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

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

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

Image source: Photo courtesy of test students

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

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

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

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

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

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

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

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

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

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

Image source: Photo courtesy of test students

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

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

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

● Li Lingpeng, lawyer of Sichuan Landmark Law Firm:

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

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

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

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

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

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

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

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

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

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

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

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

Image source: 51 character official website screenshot

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

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

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

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

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

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

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

Cover image source: Photo Network

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

　　The time for volunteering is July 5-July 9.

　　The exterior design of 22 Dodge Ram Tyrannosaurus Rex has a strong sense of impact, and the forward-leaning front is undoubtedly a little more invasive to the road surface than the well-behaved family design. The atmosphere inside the car is luxurious, and it can definitely rival a limousine. There is no trace of lively charm in the eyes, only fierce. The front bumper is an iron front bumper with a towing hook, which exudes this metallic atmosphere and is calm and atmospheric. (Car hotline: 15102223918) WeChat synchronization.

　　22 Dodge Tyrannosaurus Rex, Black/Black

　　Standard: electronic lock rear axle, full-time four-wheel drive, front active shock absorber, rear active shock absorber, adaptive damping, configurable driving mode, performance page, 3.55 axle ratio, front collision warning, reflection, brake assist, electronic stability control, ramp start assist, traction control, electronic rolling release, trailer swing control, LT325/65R18D all-terrain tire, 12-inch display, etc.

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

　　Optional: Double-pane panoramic sunroof

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

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

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

　　Triple guarantee of car purchase

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

　　The second guarantee: to ensure the quality, every car of the manufacturer has been professionally tested before leaving the factory.

　　The third guarantee: the formalities on the day of car purchase are taken with the car.

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

　　Atangge (Tianjin) International Trading Co., Ltd.

　　Liu Jingli 15102223918 (WeChat synchronization)

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

Special feature of 1905 film network It’s the annual Spring Festival again. Before entering the big screen, Xiao Dianjun once again wishes everyone a happy New Year, seeing good luck and full welfare here.The annual practice can’t be changed. On the first day of the first day of the first year, I will bring you the first-hand evaluation of the Spring Festival file, ensure dry goods, and ensure that everyone can harvest a happy New Year in the cinema.

In 2023, only 12 hours passed on the first day of the New Year’s Day, and the single-day box office has exceeded 890 million, which really proves the super-carrying power of the "strongest Spring Festival file in history".

In recent years, the Spring Festival stalls are not the strongest, only stronger.This year, it was assembled, as well as 7 blockbusters of the animated film "Bear Haunted with Me" Bear Core ". These films cover a variety of theme types, and are also the creative gathering of three generations of directors.

I don’t know. What movies are you going to see today?Xiao Dianjun also wants to hear your feedback. If you haven’t bought a ticket yet, or don’t know what movie to watch next time, then let’s take a look at the Spring Festival file recommendation guide we brought to you, and easily get who is your best movie-watching partner. Of course, as a series with a fixed audience, there is no need to say too much.

The Wandering Earth II

Director:

Starring://etc.

Duration: 173 minutes

Suitable for the audience:Science fiction fans, people who care about the meta-universe, celestial lovers, and people who like to burn their brains.

The fangs of the editorial department of 1905 Film Network:Starting from the amazing "first year of science fiction movies" four years ago, today’s Wandering Earth 2 undoubtedly carries more expectations.

Therefore, in terms of plot, this episode is definitely a "brain burning" compared with the opening "unscrupulous" explosion of Jupiter. The length of the film is lengthened with the increase of information. The film length of three hours has increased the threshold of watching movies a little bit, but fortunately, the quantity and quality of big scenes have made a qualitative leap.

There are highlights at the beginning, middle and end.

There is no doubt that the series is still the TOP in China’s sci-fi. The texture avoids the problem that many sci-fi themes are divorced from reality, but it is very consistent with the feeling of pursuing a documentary, which also makes the feeling of substitution and connection more intense when watching movies. In addition, there are more clues to the characters in this episode, and audiences with different preferences should be able to "take what they like".

Man Jiang Hong

Director:

Starring:///etc.

Duration: 159 minutes

Suitable for the audience:Xian Yi, young and old, brain-burning reversal story lovers

1905 Film Network Editorial Department miro:You can see many shadows of Zhang Yimou’s past works in "The Red River", such as the elegant house, the suspense spy war in the movie, the distraction and revenge in the movie, and the unique use of colors.

However, "Man Jiang Hong" is also brand-new. At the age of 72, Zhang Yimou is still trying to talk to the young audience, combining the script games and escape from the secret room that young people love with his favorite historical themes, and has completed a brand-new exploration in the field of genre films.

Shen Teng, Yun-peng Yue and other comedians are not abrupt, and they have a good grasp of the scale of Zhuang and Harmony, which is not dramatic. Jackson Yee did not lose ground in the game of "playing bone" with the whole staff, which better explained the versatility and contrast of the role.

Kino, editorial department of 1905 film network:This is like an ancient costume version of Zhang Yimou, and everyone who enters the game is duplicitous and hidden.

High-density plot, uninterrupted suspense information stimulation point, in the smooth scheduling rhythm, in the process of revealing the true identity and purpose of each character step by step, and gradually flipping the previous speculation and approaching the whole truth, the narrative charm of the film is brought to the extreme, especially the setting of Qin Gui at the end, which turns out to be the biggest surprise.

Shen Teng, Jackson Yee, Zhang Yi, Yun-peng Yue, Lei Jiayin and other actors with completely different characteristics, their performances in the film have been revitalized and blended together.

The audience is like following them to play a script killing game in the secret room of the compound. It is not only afraid of "spoilers", but also afraid of "spoilers", because this puzzle ultimately pursues a higher expression dimension, chanting with an unexpected scene of "Man Jiang Hong" which is also in line with the logic of plot promotion, igniting the climax of home and country feelings and permanently freezing "Man Jiang Hong".

Before Zhang Da, who is full of blood, and after Sun Jun, who is growing and changing, the film will reach the heart of every Chinese, and will forever praise Yue Fei’s spirit of loyalty to the country.

Nobody

Director:

Starring://etc.

Duration: 128 minutes

Suitable for the audience:Spy film lovers, fans of anti-Japanese history

Kino, editorial department of 1905 film network:From the fall of Guangzhou in 1938, the turbulent Shanghai in 1941, to Hong Kong in 1946, The Unknown is a group portrait sketch of people in the hidden front before and after the history of War of Resistance against Japanese Aggression.

Every character has a nameless surname, and their actions and words are well-tuned, but the inside is unfathomable. They are Wang Puppet agents, communist party people in the undercover secret service department, traitors, traitors, political speculators and patriotic heroes? In the process of constant temptation and suspicion, everyone’s veil left unlocked is lifted one by one. This mysterious historical torrent is also a sad song under the war. Everyone is playing with it like a chess piece, and the sense of jumping from scene to scene, like their fate, is completely different from the moment before.

Tony Leung Chiu Wai plays the drama of concealment and forbearance, which he is good at. YiBo, who is in a movie for the first time, plays a variety of emotions, such as frivolous and stubborn, painful and fragile, and murderous and violent, especially when the two men fight each other from fist to flesh. This role is the eye of the play, and it is also the sleeve sword to be displayed at the end of the whole film.

Exchange of life

Director:

Starring: Lei Jiayin//etc.

Duration: 110 minutes

Suitable for the audience:Xian Yi, young and old, taking parents to the movies, dating people, all those who want to go to the cinema for relaxation.

Ma Xun, Editorial Department of 1905 Film Network:Exchange of Life is undoubtedly the most suitable movie for everyone to watch this year’s Spring Festival.It is like the bowl of eight-treasure rice on the dinner table during the Spring Festival, with all kinds of beauty. All actors are like eight-treasure desserts on glutinous rice. When the story is slowly told, the kindness and beauty between people that the director wants to express is like the bean paste under glutinous rice, which is sweet but not greasy and gives enough energy.

The most touching thing about the film is the emotional connection between yourself and the people around you. Everything still lies in the self itself. However, Su Lun didn’t deepen the story excessively, but still played the characteristics that she was good at in the film, and packed it perfectly with light comedy.

China Ping-Pong: The Jedi Fight Back(released on the third day of New Year’s Eve)

Director:/

Starring: Deng Chao//etc.

Duration: 137 minutes

Suitable for the audience:Xian Yi, young and old, sports lovers, partners get together.

1905 Film Network Editorial Department miro:Undoubtedly, it is the best combination of Deng Chao and Yu Baimei, who are familiar with genre film techniques and have a high degree of completion.The film cleverly chooses the special side of China Men’s Table Tennis, the "teacher of kings": the Jedi counterattack in the trough and the rebirth of Nirvana after the failure, which makes the film full of drama and closer to the true nature of sports films: never give up until the ball hits the ground! It has both tears, ignition and laughter, and it is quite family-friendly in the Spring Festival file.

What’s more, there is almost no slogan-style chicken soup stacking and blunt value output in the film, and there are no practical problems such as "high treatment in foreign leagues" and "stepping stones are not taken seriously", which is a brave attempt of domestic sports films.

The fangs of the editorial department of 1905 Film Network:At the premiere, Sun Li said that "Ping Pong in China" was closer to the "background color" of Deng Chao. After watching it, he did feel the same way. Compared with previous works, he really sank as the director and starring of this film.

As the "national ball" of China, table tennis bears different feelings and weights among the audience. Fortunately, Table Tennis in China found the most appropriate time to cut into and create its own story, but did not write "glory", but told where the "glory" came from.

The most touching line in the movie is "Choosing to be an athlete is the most difficult way", and the unique core and charm of China sports "Dream Team" is understandable in "China Table Tennis".

Deep sea(animation)

Director:

Duration: 112 minutes

Suitable for the audience:Animator, pressure emotional exporter, technical house

Ma Xun, Editorial Department of 1905 Film Network:If Tian Xiaopeng opened the door of "the rise of the country" with one movie, then, seven years later, it once again raised the ceiling of the country’s technology with a movie "Deep Sea".This movie is ambitious, trying to heal the deep fragility of human nature. As the creative team said, Deep Sea will be a controversial story.

It’s hard to explain this story in simple words. Just look at the two characters in the film, the female calling Alnitak and the male calling Nanhe. Both names are related to the traditional stars in China. The former is the seventh of the seven western nights, and the latter is one of the star officials of the seventh of the seven southern nights (Jingsu).

In the relationship between the stars and the stars, Betelgeuse and Jingsu are honored. In the movie, the two are not such a proud relationship between father and daughter. Perhaps their identity is the key point to open the story.

Data map: VAT electronic ordinary invoice. (Photo courtesy of Zhejiang Provincial State Taxation Bureau) Photo by Zhong Xin, a reporter from China News Service

　　BEIJING, June 14 (Xinhua) According to the website of State Taxation Administration of The People’s Republic of China, the General Office of State Taxation Administration of The People’s Republic of China released a document today to interpret the Announcement of State Taxation Administration of The People’s Republic of China on Matters Related to the First Application of VAT Invoices by Newly-established Taxpayers. The full text is as follows:

　　— — What is the background of this announcement?

　　In order to further deepen the "streamline administration, delegate power, strengthen regulation and improve services" reform of the tax system, optimize the tax business environment, and facilitate newly-established taxpayers to apply for VAT invoices for the first time, according to the requirements of the State Council on further shortening the start-up time of enterprises, the State Administration of Taxation issued this announcement to shorten the time for newly-established taxpayers to apply for VAT invoices for the first time.

　　— — How long can it take for newly-established taxpayers to apply for VAT invoices for the first time?

　　At the same time, when a newly-established taxpayer who meets the following conditions applies for a VAT invoice for the first time, the competent tax authorities shall complete it within 2 working days from the date of accepting the application, and the competent tax authorities with conditions shall complete it on the same day:

　　(a) the taxpayer’s tax personnel and legal representative have collected and verified the real-name information (the scope of taxpayers who need to collect and verify the real-name information of the legal representative is determined by the provincial tax authorities);

　　(two) taxpayers have the need to issue VAT invoices and take the initiative to apply for invoices;

　　(three) taxpayers in accordance with the provisions of the tax control equipment distribution and other matters.

　　— — What tax-related matters do newly-established taxpayers mainly include when applying for VAT invoices for the first time?

　　Newly-established taxpayers applying for VAT invoices for the first time mainly include tax-related matters such as the verification of invoice types, the examination and approval of the maximum invoicing limit of special VAT invoices (VAT tax control system), the initial issuance of special equipment for VAT tax control system, and the receipt of invoices.

　　— — For the first time, a newly-established taxpayer applies for a VAT invoice. What is the maximum billing limit and the maximum number of recipients per month?

　　The tax authorities shall verify the invoice types for newly-established taxpayers who apply for VAT invoices for the first time as stipulated in Article 1 of this announcement. The maximum invoicing limit of special VAT invoices shall not exceed 100,000 yuan, and the maximum number of recipients per month shall not exceed 25; The maximum invoice value-added tax invoice is no more than 100,000 yuan, and the maximum number of recipients per month is no more than 50. The provincial tax authorities can, within this range, determine the approval criteria for the first application of VAT invoices by newly-established taxpayers according to the degree of tax risk of taxpayers.

　　— — When will this announcement come into force?

　　In areas other than Xinjiang, Qinghai and Tibet, this announcement shall come into force on August 1, 2018; Xinjiang, Qinghai and Tibet will come into force on October 1, 2018.

　　On May 16th, the reporter learned from the press conference of COVID-19 epidemic prevention and control in Guang ‘an City, Sichuan Province that, in order to ensure social zero clearing in the shortest time and block the virus transmission chain, nucleic acid testing will be carried out in Linshui County for three consecutive days from May 16th.

　　It is reported that since May 9th, Guang ‘an has reported a total of 34 local confirmed cases and 467 local asymptomatic infections (463 cases in Linshui County). May 15th 0— At 24: 00, Guang ‘an reported 14 new confirmed cases and 69 new asymptomatic infections (67 cases in Linshui County).

　　It is understood that on 15th, Guang ‘an City dispatched medical personnel, party member cadres, militiamen and volunteers from the whole city to help neighboring waters, and strived to achieve social clearing in the shortest time.

　　Luo Ronghong, the second researcher of Guang ‘an Health and Wellness Committee, introduced that the new round of global full-scale nucleic acid testing in Linshui County was divided into 26 districts, 681 sampling points and 2,159 sampling stations. By 15: 00 on the 16th, 495,143 nucleic acid samples had been collected on the first day except for the sealed control area and the control area.

　　At present, in accordance with the principle of "stopping classes and teaching", more than 380,000 primary and secondary school students in Guang ‘an have switched to online teaching except the third grade. (Reporter Chen Di, Dong Xiaohong)

　

　

　

　　One Hundred Years of Solitude Penguin Edition

　　Not long ago, the topic of whether "Four Great Classical Novels" is suitable for teenagers’ reading triggered a social discussion. In fact, the discussion about famous books has a long history. A question that cannot be avoided in many discussions is: What kind of works can be called masterpieces? On this issue, this newspaper interviewed many experts.

　　The readership is relatively large.

　　I felt it when I was drinking: "till, raising my cup, I asked the bright moon, to bring me my shadow and make us three"; Being in a foreign land can’t help feeling: "lifting myself to look, I found that it was moonlight, sinking back again, I thought suddenly of home"; Even if you are not a literature lover, you may blurt out the classic dialogue in Shakespeare’s Hamlet, "To be or not to be, that is the question".

　　These works have become recognized masterpieces by virtue of their huge readership. Mortimer J. Ejdero, an American educator, pointed out in How to Read a Book that masterpieces have the largest number of readers, and masterpieces have accumulated a large number of readers by time.

　　Take "Four Great Classical Novels" as an example, they have a high degree of popularity and a large readership. According to a set of data recently released by China Edition Library, according to CIP statistics from 2013 to August 2016, the top 10 repeated publications are masterpieces. Among them, 525 were published in The Journey to the West, 492 in A Dream of Red Mansions, 485 in Water Margin and 484 in Romance of the Three Kingdoms.

　　Take Lu Yao’s novel "Ordinary World" as an example. According to the data of the publishing house, by September 2015, "Ordinary World" had sold at least 3 million sets.

　　Enlightening influence

　　"Whether a literary work can be called a masterpiece depends on whether it truly reflects social reality and social problems, and whether people can observe society and history from literary works and then think about it." Dang Shengyuan, secretary of the Party Committee of the Institute of Foreign Literature of China Academy of Social Sciences, told this newspaper that if a book is to become a masterpiece, it should be original and reach a certain ideological depth, thus inspiring readers to think.

　　Mortimer J. Ejdero also believes that masterpieces are the most influential, because they are the most enlightening and instructive, and contain unique insights, which are what predecessors have not said and what predecessors have not said.

　　One Hundred Years of Solitude by Colombian writer Garcí a Má rquez gives many inspirations in literary creation. Mo Yan, a China writer, admits that his literary creation was inspired by Marquez’s magical realism in Latin America. And Marquez himself admitted that his creation was also inspired by Kafka’s Metamorphosis.

　　Cheng Guangwei, a professor at the College of Literature of Renmin University of China, told this newspaper that literary masterpieces can be divided into literary classics and literary history classics; The former has a long artistic vitality, while the latter may be slightly less artistic, but it has great influence in the history of literature, especially in the historical turning point. For example, Liu Xinwu’s novel The Head Teacher, published in 1977, is the first of its kind and has great influence.

　　Of course, masterpieces don’t refer exclusively to literary works. Dang Shengyuan said that if other theoretical and research works want to become masterpieces, they should be able to promote the development of their disciplines with ideological and originality.

　　There is continuity in time

　　"Although different readers and readers in different periods have different criteria for judging masterpieces, masterpieces should have something in common. Mo Yan’s works and Jia Pingwa’s works are still being studied. After twenty or thirty years, these works are still not out of date. " Cheng Guangwei said.

　　Famous works often have continuity in time, and many works have been circulated for decades, hundreds or even thousands of years.

　　The Art of War was written about 2,500 years ago. Zhong Shaoyi, a researcher at the Academy of Military Sciences, believes that some basic orientations of Sun Tzu’s strategic thinking, such as "emphasizing fundamentals", "being prepared for everything" and "striving for total victory", are of reference value for properly coping with the long-term complex situation of national security. Bernabe, president of Italian Eni Company, commented on Sun Tzu’s Art of War, saying that it is a comprehensive textbook on strategy and can still be applied to various human activities today.

　　　　Dang Shengyuan said that the development process of a discipline and a research field is composed of one masterpiece and one masterpiece. China’s literary history of thousands of years is so rich and splendid because there are high-level masterpieces in every stage and era. "Although the achievements of masterpieces in art and thought belong to its birth period, masterpieces may also transcend history and time and space, and can still give people new inspiration and be continuously interpreted after thousands of years of birth. The bestseller is different, and it is likely to disappear after a while. "

　　When it comes to bestsellers, Dang Shengyuan thinks that there are differences between bestsellers and masterpieces in terms of whether the readers are broad or not. Dang Shengyuan said that bestsellers can accumulate a lot of readers in a period of time, while masterpieces are likely not to sell well in a certain period of time.

　　Ejdero also mentioned this point in How to Read a Book. He believed that readers of famous books gathered through time, not for a while, and that famous books were not bestsellers within a year or two, but enduring.

　　Dang Shengyuan believes that, unlike bestsellers, masterpieces may not be paid attention to during their birth, and it will take some time for them to be rediscovered and interpreted. Tao Yuanming’s landscape poems in the Eastern Jin Dynasty were rediscovered only after the rise of landscape poems by Wang Wei and Meng Haoran in the Tang Dynasty. (Li Zeyan Pan Xutao)