"The chip is not omnipotent, but it can’t be done without a chip." During the 2019 World SEMIconductor Conference, Julong, global vice president of Semi and president of China, described the importance of chips.

　　However, in this key area, China’s talent pool is far behind the development of the industry. According to incomplete statistics, there are more than 25 integrated circuit production lines under construction in China. The White Paper on Talents in China Integrated Circuit Industry (2017-2018) points out that by 2020, the demand for talents in China’s integrated circuit industry will be about 720,000, while the existing talent stock in China is 400,000, and the talent gap will reach 320,000.

　　The huge gap directly leads to the battle for people by enterprises. Wei Xu, Secretary-General of Shanghai IC Industry Association, pointed out that due to the rapid development of industry and the huge talent gap, domestic enterprises tried their best to attract talents, especially the manufacturing industry, which caused malicious competition and led to a sharp rise in the employment cost of enterprises.

　　"The situation of digging people from each other is very serious now, so the cost of technicians of the same type in our industry is actually higher than that of overseas." Yu Xiekang, Chairman of Huajin Semiconductor Packaging Pilot Technology R&D Center Co., Ltd. and Vice Chairman of China Semiconductor Industry Association, also raised such concerns when interviewed by China Business News.

　　The integrated circuit industry not only covers the upper and lower industrial chains of design, manufacturing, packaging and testing, but also EDA software, equipment and materials industries. A number of people in the industry told reporters that China has too little chip talents, and all industries are in short supply.

　　A person in charge of Horizon Chip once told reporters that it is too hard to make chips and other hardware, and the benefits are not high. Many outstanding students choose to engage in finance and the Internet after graduation. "Even students who graduated from Tsinghua University Microelectronics Institute will switch to finance or engage in the Internet. I think in fact, in the last ten years in China, there have been too many opportunities to make money. It is very hard to make chips, but it is not so easy to get money. "

　　He pointed out that at present, an ordinary chip design company needs about 10 million dollars for a project to make SoC chips. "Once the market positioning is not accurate, all this money will be wasted."

　　There are two kinds of people who make chips, either extremely smart (hair loss) or old (white hair). Joseph Xie, general manager of Xinmeng Technology and founder of Aixin Education, described the chip practitioners in a forum of the World Semiconductor Conference.

　　Han Xiaomin, general manager of the IC Industry Research Center of CCID Research Institute, also told reporters that the rapid development of the Internet in China also has a crowding-out effect on hardware industries such as chips to some extent. In the 1980s and 1990s, the semiconductor major was studied by the best people in Taiwan, China. At present, the best students in mainland China are in the School of Economics and Management and the School of Computer Science. "The major of electronics is actually not bad, but it is still a top-ranked major. Relatively speaking, this industry can’t provide jobs with market competitiveness, and it is facing the problem of insufficient overall quality of personnel or even shortage of personnel."

　　Wei Xu said that the number of graduates majoring in integrated circuits in China is around 200,000, but less than 30,000 people have entered the integrated circuit industry. Although there are graduates majoring in computer, physics, automation, etc. who flow to the integrated circuit industry, it is impossible to meet the industry’s demand for talents simply by relying on colleges and universities to train and transport talents. It is urgent to greatly increase the enrollment of integrated circuit majors.

　　However, on the other hand, for chip companies, top students in universities are not equal to real talents. Earlier, an integrated circuit investor told reporters that the outstanding talents needed by enterprises can be directly used, while the newly graduated students need a lot of training, which is far from the two.

　　In terms of how to cultivate talents, Wei Xu believes that we should organically combine the aspects of university training, enterprise self-cultivation and social training, and make efforts in many aspects, such as strengthening university training, carrying out large-scale vocational education and training, promoting preferential policies for IC talents, strengthening the introduction of overseas high-end talents and building an ecological system for innovation and entrepreneurship in IC-related fields.

　　Lian Yong, a professor at the National University of Singapore, pointed out that Japanese high schools will provide universal education for integrated circuits. He believes that in higher education, integrated circuit design courses and EDA design tools should be popularized, and MPW (Multi-Project Wafer) for university education should be set up to cultivate students’ practical ability.

　　Enterprises should also get rid of the original thinking. "Don’t want to be short and fast. In terms of cooperation with international enterprises, you should buy technology, pay patent fees, and invite experts to pay for it. "Li Wei, vice president of CCID Consulting, told reporters.

　　In terms of training local talents, Wei Xu pointed out that enterprises should help employees to learn and improve their comprehensive work-related abilities, so as to meet the needs of their posts, improve the performance of employees and the company, ensure the effective operation of the company’s production, quality information security management system, safety and environmental management system, and promote the realization of the company’s strategic development goals, business goals and information security goals.

　　"Don’t want to spend a lot of money to bring in talents at once. What’s the point of staying for a year and then running away?" Yu Xiekang said.

Important senior executives of Great Wall Motor leave their jobs, in the "time of war";

General Manager of Group Brand Public Relations — — Goldilocks, resigned and left. The Great Wall also responded:Personal reasons.

On the whole, he is the head of public relations marketing introduced by the Great Wall at the beginning of this year, and is also one of the important components of the comprehensive innovation strategy.

The moment when he was exposed to leave his job was an important pass for the Great Wall to "fight" BYD.

Who is Guo Tiefu?

When Guo Tiefu left, Great Wall Motor responded: I resigned for personal reasons.

However, he only joined Great Wall Motor in February this year as the general manager of brand public relations.

At most three months before and after, the executive with comprehensive experience in high-end, high-tech and new-force automobile marketing left the Great Wall.

Guo Tiefu has previously served luxury brands such as Audi, Bentley and Jaguar Land Rover. After that, he joined Baowo Automobile in charge of marketing.

In 2018, Guo Tiefu joined Chinese Express as the Senior Director of Gaohe Automobile Market and Public Relations Communication, and was fully responsible for public relations and communication. The brand tonality of high-tech sci-fi, advanced and luxurious is created by Guo Tiefu.

In 2022, Guo Tiefu briefly joined Lotus Motors.

Guo Tiefu’s resume is actually the core reason why the Great Wall took a fancy to him and introduced him. Long-term high-end brand marketing, and have more successful experience in building scientific and technological brands.

Wei, the high-end brand of the Great Wall, has been performing poorly in the past few years. In addition, for the new energy track, the Great Wall is also suffering from "technology without sound" and is suppressed by BYD in all aspects.

Therefore, Guo Tiefu joined the Great Wall. On the one hand, he cooperated with Liu Siying, who was dug from Geely Link, and made a breakthrough in the high-end brand Wei; And his main business is corporate brand and technology brands construction.

That is, since this year, Great Wall Motor has made a major change in external marketing, which is to emphasize the self-research and accumulation of technology as BYD, to shape its image as a leader in new energy and smart car revolution technology, and at least to form a double-walled image with BYD.

In fact, the post of general manager of brand public relations did not have a special post at Great Wall before, but only after the reform of the whole marketing system. Guo Tiefu became the first user of this new title.

In fact, this is part of the Great Wall’s strategy of learning from a painful experience and comprehensively transforming new energy sources.

Now, with the departure of Guo Tiefu, the construction of the Great Wall technology brands has become uncertain again.

Great Wall Motor and BYD’s "Public Relations War"

At present, the Great Wall is at the key node of the "war" with BYD.

Things, you have been clear:

Great wall purchased and sent for inspection by BYD, and mixed sales crown Qin PLUS DM-i and song PLUS DM-i,It is found that the low-cost atmospheric fuel tank is used, which makes the evaporative emission of the whole vehicle non-compliant.

So Great Wall Motor reported BYD to the regulatory authorities. BYD responded that the Great Wall is unfair competition, the inspection procedures are not standardized, and its own atmospheric fuel tanks also have technology to ensure emission compliance. The regulatory authorities did not declare the data evidence of the Great Wall invalid, but attached great importance to it and put it on file for investigation.

It’s not clear yet. It’s still fermenting. Netizens stood in line one after another, quarreling as a bee.

There is no doubt that the report itself was prepared and collected by the Great Wall a long time ago. Guo Tiefu, who has been talented for more than two months, is hardly the leader. His departure had little effect on the storm.

In fact, the fuel tank problem itself is an environmental protection issue, and the regulatory authorities are very concerned about it, butFor ordinary users, there is not much impact.

Judging from the results, if BYD really has a problem and is punished and recalled, it is equivalent to being slowed down objectively, which is also unfavorable in public opinion and has nothing to say.

If the supervision did not find out BYD’s problems, the Great Wall would not suffer. Return to the focus of new energy through BYD’s popularity and public opinion base.

In fact, it is better to understand this matter in this year’s Great Wall, a new energy strategy: new technology — — Hybrid electric four-wheel drive Hi-4, new brand channel — — Haval’s new energy and new products — — Hybrid dragon series, and new marketing promotion — — Advanced technology of great wall three power and hybrid technology.

The fuel tank problem was the first shot of the outpost and the counterattack against BYD.

Therefore, the impact of Guo Tiefu’s departure is medium and long term.

The sudden outbreak of BYD has been widely recognized by users. On the one hand, it is to make the hybrid car with low energy consumption and high configuration into cabbage price, which will form a dimension reduction blow to fuel vehicles.

On this basis, BYD spared no effort to preach its new energy leadership: battery acupuncture, DM-i, Yunqi, Easy Sifang and so on. With the expansion of new energy sales base, BYD has quickly established the impression of "the strongest technology" among ordinary consumers. Even if most ordinary users don’t understand technology at all, it is said that "it is not wrong to buy BYD with new energy".

At the same time, BYD also intends to portray itself as "the leader and hope of overtaking cars in corners in China". For example, Wang Chuanfu said with tears in his eyes that "it is not easy for us to make technological breakthroughs in recent years".

"We", Wang Chuanfu didn’t specify who it was. BYD, of course, and China automobile industry. In communication, BYD actively blurs the concept, and objectively, it is easy for ordinary people to have the impression that BYD is a new energy source in China, and even the only hope for China’s automobile to rise and overtake.

Not only the Great Wall, but also any independent brand with technical reserves, market scale and self-improvement ambition will not recognize BYD’s concept of shaping basic facts.

The fuel tank is an introduction. After the Great Wall, it will definitely emphasize its own technical reserves and self-research strength again and again, just like BYD did in those years, trying to compete with BYD in the wave of new energy and intelligence.

Guo Tiefu, who is the most critical to undertake this task, left his job at the juncture when the Great Wall is about to exert its strength.

The Great Wall’s counterattack and new energy strategy, now this variable comes somewhat unexpectedly and suddenly.

　　With an unprecedented fireworks feast at the opening ceremony of the 2008 Beijing Olympic Games, Chinese conquered the world with gorgeous fireworks last night, and the audience was amazed by the wonderful fireworks shapes. Zhao Weiping, the commander-in-chief of the Olympic opening ceremony "Bird’s Nest" and the Great Wall fireworks display implementation team, was excited and talked to reporters about the unknown story behind the fireworks.

　　No paper scraps

　　How to bloom peony without gunpowder smell

　　Environmental decryption 1

　　No paper scraps

　　At 11 o’clock last night, the opening ceremony of the Olympic Games came to an end. The audience was surprised to find that there was not a scrap of paper or residue left in the fireworks display throughout the opening ceremony.

　　Zhao Weiping said that this is because a new type of environmental protection material has replaced the "paper pad pressure chamber" of traditional fireworks, thus ensuring that the fireworks can be completely decomposed and burned out at the moment of lighting.

　　Environmental decryption II

　　No smell of gunpowder

　　Last night, when the "Silver Waterfall" with a total length of more than 30 meters flowed down the bowl of the Bird’s Nest, it was as if a Milky Way was injected into the venue, and the passion quickly passed and surged in the venue. Fireworks were just around the corner, but the audience didn’t smell a pungent smell.

　　It turned out that the fireworks placed in the Bird’s Nest were not filled with gunpowder, but instead of gunpowder, compressed air was used through the technology of "Shenzhou VI Launch", and the compressed air and fireworks were ejected through electromagnetic valves.

　　Modeling decryption 1

　　How does peony bloom?

　　The first climax of the "Bird’s Nest" is to interpret the whole process of peony, the national flower, from budding to blooming, and suddenly the Bird’s Nest turns into a red ocean of peony. Zhao Weiping, chairman of the national brand Panda Fireworks Company, said that the blooming process of "Peony Blossom" took only 11 seconds, but the number of fireworks was 4,845.

　　Originally, in order to make the whole red peony cover the whole bird’s nest, the designer used computer three-dimensional special effects technology to draw a huge peony covering the roof of the "Bird’s Nest", and then selected 85 points on the roof of the "Bird’s Nest", each of which is responsible for emitting 3 petals, each of which consists of 29 fireworks, which symbolizes the 29th Olympic Games.

　　When setting off, according to the order from inside to outside, the "flower heart" is fired, and then the innermost "petal" is fired, and then it transitions to the outermost petal in turn. When the last petal is opened, 85 points are started at the same time to volley fireworks.

　　Modeling decryption 2

　　How to transfer the "Olympic rings"

　　That night, five circles of five colors, red, yellow, green, black and blue, appeared in the sky, and the five circles were connected with each other, showing the Olympic rings pattern.

　　Zhao Weiping introduced that the biggest difficulty in using fireworks to express the Olympic rings and other patterns is that it is difficult to control the initiation point and time interval of fireworks. The interval error of each fireworks cannot exceed 0.03 seconds, and the audience can see the circle and the five rings only when they are fired in series at a constant speed.

　　Modeling decryption 3

　　"Silver Waterfall"

　　How to flow into the stands

　　During the opening ceremony, there was a "silver waterfall" nearly 40 meters long, like the Milky Way, which slowly hung down along the bowl of the "Bird’s Nest" and flowed into the stadium. The "Bird’s Nest" stand immediately turned into a silver hall.

　　Zhao Weiping said that the diameter of the bowl of the "Bird’s Nest" is about 500 meters, more than 40 meters above the ground. This shape requires that the diameter of the "Silver Waterfall" should not be less than 500 meters and the length should not be less than 30 meters, so that the audience can be there.

　　Modeling decryption 4

　　How does the "dove of peace" spread its wings?

　　Careful viewers will find that a pair of snow-white wings were born on both sides of the "Bird’s Nest", flapping up and down, just like a dove spreading its wings and flying.

　　Zhao Weiping told reporters that it is not difficult for the "Bird’s Nest" to give birth to "wings". What is difficult is that the wings should be flapped up and down, showing a dove of peace spreading its wings and flying dynamically. In order to make this dove of peace "smart", the researchers first improved the discharge effect of the traditional fireworks element "white tail", which has only white light and no track left by the tail passing through the air, just like the wings of the dove of peace. In order to make the wings move, the researchers calculated the flapping frequency of the flying dove of peace, so that the "Bird’s Nest dove of peace" fluttered its wings once every second on average.

　　Modeling decryption 5

　　How does the "Red Flash Bird’s Nest" feel dynamic?

　　A red silk thread in the night sky, passing through the "Bird’s Nest", is flashing like a red neon lamp. Under its embellishment, the whole "Bird’s Nest" is flashing, running and jumping.

　　Zhao Weiping said that the first difficulty of the "Red Flash Bird’s Nest" lies in the layout. In order to cover the entire "Bird’s Nest", a launching point should be set up every five meters on each main beam; At the junction of the two main beams, a launching point is also set up every five meters, and all launching points are evenly distributed, so that the whole "Bird’s Nest" can jump in the red ocean; The second difficulty lies in the time difference control, and the fireworks at each point must be lit and extinguished at the same time.

　　Modeling decryption 6

　　How to open Tianmen

　　There was a scene in the opening ceremony: a magnificent arched gate appeared over the "Bird’s Nest". From closing the door and opening a crack to opening half and three quarters until the Golden Gate finally opens. Zhao Weiping said, "Opening the Tianmen Gate" is difficult to measure in the distance and angle between the ground and air. The distance between the first group of emission points and the angle with the horizontal plane must ensure that the emitted fireworks meet in the air and hand over an arch; The distance and horizontal angle between the second group of fireworks must ensure that when the fireworks meet in the air, there is just a gap, just like the door has just opened a gap, and so on. If the angle is a little bit biased, the process of opening the door cannot be vividly reproduced.

　　Modeling decryption 7

　　How does the countdown work?

　　9, 8, 7 … When the opening ceremony started, the first thing in the air was flashing numbers. Zhao Weiping introduced that the number nine drawn with fireworks stays in the air for no less than one second. As soon as the number nine goes out, it lights up at eight and flashes again for one second. "If the number stays even in the blink of an eye, the fireworks will not draw a countdown stopwatch.".

　　Our reporter Wang Yuwen/Zhang Fengshe J178

　　The flame is eight meters high.

　　Can resist ten winds.

　　Olympic main torch

　　Secret of combustion system

　　Last night, Xu Tong, deputy commander of the torch project for the opening ceremony of the Beijing Olympic Games and director of the dispatching center of Beijing Gas Group, revealed that the flame of the main torch of this Olympic Games was accurate to 8 meters high and 4 meters wide. The main torch can resist 10 winds and 80 mm rainstorm per hour. Because the torch is also equipped with lightning protection device, it can prevent lightning strike and can "turn off without noise"

　　The flame height is 8 meters.

　　Xu Tong said that the torch of the main Olympic venue consists of three parts, including the torch head, gas pipeline and control system. The key to determine its shape and color lies in the torch burner, which is made up of hundreds of burning holes arranged in rows, grouped and segmented into a disk shape, forming a three-dimensional shape with a height difference of 1.6 meters together, and spiraling up.

　　Due to the spiral shape of the torch, there is a height difference of 1.6 meters between the high and low burning points of the torch, which is very different from the flat disc burner of the torch in the past. Xu Tong said that in order to ensure the visual effect of the flame shape of the torch burning, the torch team cooperated with the overall structural modeling in the design to set up the gas supply cavity of the burning device in sections, grouped and combined, and controlled and adjusted the torch burning in sections, so that the flame shape was more consistent with the structure, thus concentrating the firepower to the maximum extent, making the flame shape complete and coherent, and the height reached more than 8 meters, which greatly enhanced the appreciation.

　　Rainstorm can’t be extinguished

　　In order to improve the rain resistance of the main torch

　　Yes, in the design, the researchers increased the gas supply pressure, thus increasing the outlet flow rate of the burner and improving the stability of the flame under bad weather conditions. During the rain-proof test of the burning device, the lighted torch has withstood the test of "artificial rainfall" environment created by six groups of fire-fighting high-pressure water guns, ensuring that the torch still keeps normal combustion in the rainstorm weather with rainfall of 80 mm per hour, which is higher than the rainfall requirement of 60 mm per hour of the Olympic Organizing Committee.

　　In addition, in order to meet the wind resistance requirements of the main torch proposed by the Olympic Organizing Committee, the torch design team installed a special wind protection device in the combustion system. The field simulated artificial wind tunnel test shows that the torch has the ability to resist the wind equivalent to 10 winds.

　　Gas supply double insurance

　　Xu Tong said that all the gas and electrical systems of the main torch of the Olympic Games are designed and installed in a two-way and double-insurance way, which can ensure the normal operation of the torch combustion control system. Power failure all the way will not affect the combustion of the main torch, and even the gas supply is dual-mode.

　　It is reported that in order to cooperate with the opening and closing ceremony operation center to complete the torch physical test and realize the mobile emergency gas supply for the main torch, the torch team of Beijing Gas Group organized the design of special pressure regulating equipment for the pneumatic source of large-flow vehicle-mounted compressor, and the compressed natural gas will be used as the emergency standby gas source for the main Olympic venue and other urban areas.

Editor: Zhao Deli

CCTV News:This period of time coincides with the hot weather in the south, which is also the most suitable season for lotus growth in a year. In Xiangtan, Hunan Province, lotus pickers started the busiest time of the year in the heat and summer.

At 7 o’clock in the morning, the outdoor temperature has reached 32℃. This is the golden time for picking lotus. The lotus pickers put on rain pants and got into the lotus field with a height of more than one person. On the lotus field, the breeze is swaying the lotus leaf, but under the lotus leaf, it is completely airtight. The lotus pickers got into the lotus leaves as if they had entered a steamer. One person and one boat, they marched slowly in the lotus pond, tearing open the lotus leaf stalks densely covered with fields, and the lotus leaves with full grains bent came into view. The lotus pickers picked the lotus leaves and lotus stalks together.

Huang Fei, a lotus picker in Zhuojiang Village, Xiangtan County, Hunan Province:It will be preserved for a long time if there are (lotus) stalks. The key is that it can’t (pick the lotus) when it rains. The main reason for the rain is that the lotus seeds are broken. If you don’t wear long clothes and long sleeves, this lotus stalk will scratch people and make your hands burn like fire.

In the Xianglian Characteristic Industrial Park in Huashi Town, Xiangtan County, nearly 3,000 acres of lotus fields have also produced the first lotus seeds this year. At present, more than 30 nearby villagers pick lotus here every day, which can harvest more than 1000 kilograms of lotus. The villagers said that when there are the most people, more than 80 people will come here to pick, and they can pick tens of thousands of kilograms every day.

Liu Lizhi, a lotus picker in Zhonghua Village, Huashi Town, Xiangtan County, Hunan Province:A basket is about twenty-seven or eight pounds, because if it is too heavy, people will have deep mud in the field, which will be very hard to bear on people’s bodies (too much), so it is better for people to preserve their physical strength when walking. Generally, there are twelve or thirteen baskets a day. In the middle period, when there are many lotus seeds, one person can pick fifteen or sixteen baskets.

Every morning from 4 am to 9 am and from 3 pm to 7 pm are the busiest times for lotus pickers. These two periods are the times when lotus seeds have the most moisture and the best taste in a day. Under normal circumstances, the lotus began to mature in May of the lunar calendar and lasted until the end of August 15th of the lunar calendar.

The top speed of Mercedes-Benz AMG ONE depends on the specific model and configuration. As the AMG series model of the top luxury brand Mercedes-Benz, AMG ONE pays attention to the combination of performance and speed, providing excellent driving experience. Regarding the specific data of its top speed, it is recommended that you consult official data or contact official channels to obtain accurate information.

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

Stills of Goldfish in the Sea

Stills of Goldfish in the Sea

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

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

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

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

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

　　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.)