Cctv news On June 20th, during the third Qingdao Summit of Multinational Corporation Leaders, Jinan held a city promotion and a high-level exchange meeting with advanced manufacturing industries of multinational corporations. More than 150 guests from nearly 100 Fortune 500 companies, multinational companies, well-known enterprises, business associations and key enterprises in the economy gathered together to discuss cooperation and seek common development. Liu Qiang, member of the Standing Committee of the Provincial Party Committee and secretary of the Municipal Party Committee, attended and delivered a speech.

　　This exchange meeting was hosted by Jinan Municipal Government and undertaken by Jinan Investment Promotion Bureau. With the theme of "choosing Jinan for a win-win future", the meeting thoroughly implemented the major national strategy of ecological protection and high-quality development in the Yellow River Basin, fully utilized the international high-end platform of Qingdao Summit, the leader of multinational companies, comprehensively demonstrated the latest development opportunities, new urban vitality and new industrial advantages of the provincial capital Jinan, and focused on the theme of "promoting the high-quality development of advanced manufacturing industries under the new development pattern". In-depth docking with the world’s top 500 enterprises, global industry leaders, invisible champion enterprises, etc., strengthen international cooperation, practice mutual benefit and win-win, promote cooperation results, enhance the demonstration and leading role and radiation-driven ability of provincial capitals, and inject new impetus into accelerating the construction of a strong socialist modernization province in the new era.

　　Yu Haitian said in his speech that Jinan, as the first city in China to open its own port in modern times, has long been integrated into the blood of the city. From the earliest trademark of China-the copper plate of "Liu Jiagongfu Needle Shop" in the Northern Song Dynasty, to the chain business model pioneered by Rui Fuxiang, Jinan has been the forefront of the times and the leader of the atmosphere since ancient times. Entering the new stage of development, Jinan actively integrates into the new development pattern, and accelerates the construction of a strategic node of the domestic grand cycle and a strategic hub of the domestic and international double cycle. Today’s Jinan, with an area of over 10,000 square kilometers and a population of over 10 million, has a GDP of over 500 billion in five years and will reach 1,143.22 billion yuan in 2021. Its strategic position has become more prominent, its strategic space has been expanded rapidly, and its strategic potential has been fully released, which has formed "ten development advantages": overlapping strategic dividends, extensive transportation networks, strong scientific and technological innovation, strong momentum of digital empowerment, solid foundation of talent protection, and finance. The accelerated molding of "Ten Development Advantages" has led more and more enterprises to mark Jinan in their development layout, choose Jinan in their project investment and recognize Jinan in deepening cooperation. "I sincerely invite entrepreneurs to take a walk in Jinan, listen to the tinkling of spring water and enjoy the scenery of a city and mountains.Invest in the industry, create wealth and create wealth, and work together with us to write a new chapter of mutual benefit and win-win. "

　　Wang qian, global vice president of SAP and co-general manager of SAP China, put forward cooperation initiatives in his speech. In the dialogue and exchange stage, Jiang Zuolin, vice president of festo Greater China Business Area, Guo Jinpeng, director of Kaiao Group and CEO of Asia Pacific and America, Zhao Bingdi, vice president of Panasonic China Northeast Asia Company, Ji Peide, director of Jinan Industry and Information Technology Bureau, and Li Hongwei, director of Jinan Investment Promotion Bureau, etc., started a dialogue and exchange around "promoting the high-quality development of advanced manufacturing industry under the new development pattern".

　　During this summit, a total of 19 projects were signed in Jinan. Among them, a total of seven projects were signed in the provincial main venue, with a total investment of about 971 million US dollars in total investment of the project, involving new materials, new energy, new generation information technology and other fields. At the site of Jinan city promotion activities, a total of 12 projects were signed, with a total investment of about 854 million US dollars, involving high-end equipment manufacturing, modern agriculture, new energy, financial and other fields, including 7 manufacturing projects.

　　Before the exchange meeting, key enterprises in development zones above the provincial level in Jinan fully grasped the opportunity of the event and made accurate docking with the guests on the spot. After the activity, some enterprises will go to Jinan for field investigation and docking.

　　At the event site, the 2022 Jinan city investment promotion propaganda film "Choose Jinan for a Win-Win Future" was launched.

　　Han Wei, Vice Mayor of Jinan, and Wang Pinmu, Secretary General of the Municipal Government attended the event.

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

[Brief introduction of the case]

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

【 Processing Process and Results 】

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

[Case Analysis]

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

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

[Brief introduction of the case]

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

【 Processing Process and Results 】

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

[Case Analysis]

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

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

[Brief introduction of the case]

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

【 Processing Process and Results 】

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

[Case Analysis]

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

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

[Brief introduction of the case]

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

【 Processing Process and Results 】

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

[Case Analysis]

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

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

[Brief introduction of the case]

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

【 Processing Process and Results 】

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

[Case Analysis]

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

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

[Brief introduction of the case]

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

【 Processing Process and Results 】

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

[Case Analysis]

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

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

[Brief introduction of the case]

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

【 Processing Process and Results 】

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

[Case Analysis]

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

08 Laundry clothes lost

[Brief introduction of the case]

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

【 Processing Process and Results 】

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

[Case Analysis]

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

09 medical disputes caused by tooth extraction in dental clinic

[Brief introduction of the case]

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

【 Processing Process and Results 】

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

[Case Analysis]

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

According to Indonesia’s latest Trade Minister Order No.31 of 2023,Social media will no longer be used as a platform for commodity sales, but only as a channel for the marketing or promotion of goods and services.When social media can not be used as a sales platform to complete closed-loop transactions, how to find out?A new set of closed-loop logic of diversion+transformation?

First, the huge social e-commerce dividend of Indonesian e-commerce

There are 212.9 million Internet users in Indonesia, with an Internet penetration rate of 77.0%.

Indonesia has 167 million social media users, equivalent to 60.4% of the total population.

Indonesian netizens spend more than 3 hours on social media through various devices every day on average.

Data as of January 2023, source Digital2023:Indonesia

Indonesia’s demographic Internet dividend seems to be the same as that in China ten years ago, and the huge user base provides space for the development of social media. After the launch of the social media+store model, social e-commerce quickly penetrated.

Indonesian local merchant Fefenia sells woven handbags through social e-commerce, and 90% of its business centers are placed on a single short video social channel. However, due to the newly issued rules, the closed loop of his social media connection transaction has broken, and he needs to find a new "shelf" for his business in a short time.

A single channel may temporarily boost the vitality, but multiple sales channels and multiple flow channels can lengthen the vitality of the whole business operation.

Second, SHOPLINE SC builds a traffic runway for social e-commerce

Where is the "traffic", where is the business? This is the initial intention of Indonesian e-commerce to rely heavily on social media; A strategy that can lead the "flow" to the closed-loop trading is a good strategy.

In view of this, SHOPLINE Social Commerce allows users to undertake e-commerce links accurately, reliably and automatically by building a traffic runway. Merchants only need to configure keywords, and the system can automatically capture all comments and classify products into orders for customers to choose.

Take the live broadcast of SHOPLINE SC X Facebook as an example: Step 1: The merchant assigns keywords to the products and adds them to the live broadcast room; Step 2: During the live broadcast, broadcast the keywords of the products, such as "C3", and guide users to leave messages in the comment area.

Step 3: Customers reply to product keywords in the comments and get automatically generated links to participate in the purchase.

Considering that merchants may set up live broadcasts from multiple platforms, all Livestream will be collected in the SHOPLINE backstage live broadcast dashboard, which can be realized whether viewing real-time orders, replying to messages, tracking inventory or reminding checkout.

SHOPLINE’s social e-commerce strategy helps sellers accumulate global user assets and realize the continuous growth of GMV by dredging traffic conversion.

Third, to achieve the ultimate localization, they chose SHOPLINE.

SHOPLINE Social Commerce is a leading social e-commerce service platform in Southeast Asia, which has provided services to tens of thousands of merchants, with weekly orders reaching 100,000+and GMV of 10 million dollars, mainly generated by live broadcast for merchants in Southeast Asia.

SHOPLINE insists on localization services in the local market, and more and more brand businesses accumulate potential energy and increase the speed through cooperation with SHOPLINE in Indonesia.

Fourth, the full link scheme of independent stations from station construction to performance end-to-end

Establishing an independent station through SHOPLINE is the best practice solution to build DTC. Provide end-to-end full link services from payment, website construction, marketing to logistics, so that business growth can be expected in the future.

(1) Smooth Payment SHOPLINE Payments supports businesses with Indonesian entities to receive and pay for localized operations through local entities, and most social e-commerce payment methods can be found in SL Payments, and businesses do not need to re-dock payers.

Linkaja, OVO, Dana and other e-wallets have been connected to SHOPLINE Payments, providing merchants with the most competitive rates. There is also an embedded checkout page to make the shopping checkout process smoother for consumers.

(2) Building SHOPLINE at a high speed provides a wealth of free theme templates, covering all categories such as clothing, accessories, home, 3C, gift department stores, etc. The high-level component library allows sellers to freely adjust the website design to ensure that the brand is beautiful, usable, flexible and exquisite.

OS2.0 theme template Seed

Install the "SHOPHUB" plug-in of SHOPLINE APP store. After authorization, merchants can transfer multi-channel store data to SHOPLINE, ensuring the intact transfer of data to the greatest extent.

P.s.SHOPLINE has now launched the full-link AI tool, which helps businesses greatly improve efficiency in the construction and operation of the site.

(3) Marketing tracking

Take TikTok platform as an example, SHOPLINE is the official partner of TikTok for business., SHOPLINE TikTok Marketing and TikTok have deep API integration, which can support four major functions, helping merchants to continue to manage TikTok assets and quickly carry out overseas marketing:

Asset association, easy management: merchants can associate assets such as advertising accounts of TikTok business center accounts to TikTok Marketing plug-ins with one click;

One-click account opening, easy to open TikTok marketing: open the agent and TikTok advertising creation API, and complete advertising account opening operation (non-self-service advertising account) can be realized online;

One-click installation of TikTok Pixel supports advanced matching function: merchants can better match website events with TikTok advertisements, establish a wider audience network, and complete the closed loop of advertising-effect monitoring-effect optimization;

　　Automatic synchronization of product data: synchronize the product catalog to TikTok with one button, and quickly open the product advertisement.

(4) complete logistics SHOPLINE’s own logistics One Ship supports a variety of logistics methods and has excellent prices. And 4PL supports all mainstream logistics modes in Indonesia. SHOPLINE has reached a strategic cooperation with Indonesia’s local logistics Shippit, and realized the integration of logistics freight on the basis of opening up the logistics interface, and collected the freight price in real time and displayed it on the front-end page to avoid the loss of freight caused by consumers’ remoteness.

(5) Multi-channel POS can lay out Indonesia’s local online and offline global retail market through SHOPLINE POS system, and improve business efficiency through unified tools such as inventory, checkout, membership and data analysis.

As a global retail solution provider, SHOPLINE is an enterprise-level technical service company that focuses on helping cross-border e-commerce brands go to sea through independent stations. SHOPLINE opened an independent station line for Indonesian merchants. In addition to exclusive account managers and mature local/payment facilities, there are also targeted solutions such as Social.commerce solution, Facebook Live Broadcasting and TikTok Marketing to help merchants open up the local market and achieve business growth.

　　China Securities Network News (Reporter Luo Maolin) On the afternoon of August 19, some users found that Netease Cloud Music was suspected to have collapsed, and related news quickly boarded the social media hot search. In the afternoon, Netease Cloud Music responded to the Shanghai Securities Journal reporter that due to infrastructure failure, all ends of Netease Cloud Music could not be used normally. At present, the repair is being stepped up. I am very sorry. Thank you for waiting.

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

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

Medical association inserts "wings" for graded diagnosis and treatment

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

　　Covid-19 came back with a comeback. With the increase of the number of "Eryang", some people began to worry that multiple infections would cause the virus to accumulate in the body, resulting in the superposition of symptoms. There are even rumors that people can be infected up to eight times, and more will die. The latest issue of the scientific gossip list was released, which refuted the above statement. In addition, more health rumors have been "concentrated" this time.

　　The monthly "scientific" gossip list is guided by Beijing Science and Technology Association, Beijing Municipal Committee Network Information Office, Capital Internet Association, and jointly released by Beijing Science and Technology Journalists Editors Association and Beijing regional website joint rumor platform.

　　It is rumored that blood tests will reduce human immunity.

　　The truth network will draw blood away the white blood cells with immune function, and also remove substances, electrolytes, vitamins and so on that are important to the body. Even mistaken for the more serious a person is, the more blood tests will be taken, which makes many people stay in bed and even die prematurely.

　　In fact, drawing blood won’t hurt you. Generally, the amount of blood for blood test will not exceed 20 ml, while the average human body has 4000 ml of blood, and it has the function of automatic regeneration. Pumping a small amount of blood will not affect human health.

　　Although the main cells that constitute human immunity are white blood cells, the proportion of red blood cells in the blood is large, while the number of white blood cells is small. Generally, donating 200 ~ 400 ml of blood will lose 1% ~ 2% of the total number of human white blood cells, and within 1 ~ 2 hours after blood drawing, the lost white blood cells will return to their original number. Therefore, many white blood cells will not be lost after blood drawing, and the immunity will not be reduced.

　　It is rumored that asthma patients will "gasp"

　　The truth is that it must not be asthma without wheezing symptoms? For asthma, many people still stay in the performance of "shortness of breath and difficulty breathing" in movies and TV series. In fact, these are just typical manifestations of acute asthma attacks. When patients encounter cold air and dry air, they are prone to asthma attacks. The typical symptom of asthma is recurrent wheezing, which may be accompanied by shortness of breath, chest tightness or cough.

　　However, there are still many atypical asthma in clinic. Cough variant asthma, cough is its only or main clinical manifestation; Chest tightness variant asthma, with chest tightness as the only or main symptom; Concealed asthma does not have the typical symptoms of recurrent wheezing, shortness of breath, chest tightness or cough, but it has long-term increased airway responsiveness.

　　It is rumored that drinking lemonade will lead to stones.

　　There are many causes of truth stone, among which heredity, metabolism, anatomical structure and diet are the main factors, among which diet is the most concerned. From the composition point of view, calcium oxalate is the main stone in the body, and a large amount of oxalic acid in the diet intensifies the formation of stones to a certain extent. For example, the oxalic acid content in vegetables such as spinach, celery and leek is high, but it does not include lemon.

　　Unlike oxalic acid, which forms insoluble substances when it meets calcium, calcium citrate tetrahydrate formed by combining citric acid rich in lemon with calcium is slightly soluble in water. At the same time, the slight acidity of citric acid in the intestine can also promote the absorption of calcium, iron, zinc and other mineral elements, which is beneficial to health.

　　The myth that "water control by hanging upside down" can save drowning people.

　　There is a "classic" picture of rescuing drowning people circulating on the truth network — — The rescuer mentioned that the drowning man’s feet were shaking upside down, or ran backwards with the drowning man’s back, trying to "control" the water in the drowning man’s body before cardiopulmonary resuscitation.

　　However, this way, which is considered to have a higher success rate, is not desirable.

　　To rescue drowning, we should remember "four things without doing one thing". "Don’t do it" means that the drowning person will not control the water after being rescued ashore. The method of running around with drowning children on their backs on the Internet is absolutely wrong. It is impossible to expel water from the body, and it may also make the food in the drowning person’s stomach flow backwards, which will aggravate the difficulty in breathing. Hanging upside down to control water can not replenish oxygen in the blood of drowning people, and most of the water controlled is water in esophagus and stomach. For the drowning person who has already had cardiac arrest, cardiopulmonary resuscitation should be started as early as possible to save the patient.

　　"Four actions" are the four correct steps to deal with the drowning person: First, immediately rescue the drowning person from the water and quickly judge whether breathing or heartbeat stops. Second, call the emergency number 120 and get the AED nearby. Third, for those whose breathing and heartbeat have stopped, cardiopulmonary resuscitation should be carried out immediately according to ABC (open airway — Blow — Press) of the recovery operation sequence. If there is no breathing and heartbeat, just blow (12 ~ 16 times per minute) without chest compressions. Fourth, if there is trauma, deal with it in time, especially head and neck injuries.

　　Rumor has infected COVID-19 eight times at most.

　　Truth With the recurrence of the COVID-19 epidemic, a saying appeared on the Internet that "no matter how healthy and strong a person is, he can only be infected with COVID-19 for 8 times at most, and the person will be gone after the 9th time". The truth is, it is possible for a person to repeatedly infect COVID-19. However, for people who have no basic diseases, the statement that "they can only be infected for 8 times at most" is unscientific, and the symptoms are generally mild after reinfection.

　　At present, the observation and research all show that the symptoms of COVID-19 will become lighter and lighter after reinfection. After the first infection, the body produces immunity to pathogens. Even with the passage of time, the specific immunity level against this pathogen gradually declines. After the second infection, the body can quickly enhance the immunity level again through the recall reaction, killing the pathogens in the body. Therefore, the symptoms will not get worse after repeated infection.

　　In addition, in the process of spreading and spreading, pathogens usually mutate in the direction of gradually weakening pathogenicity and gradually enhancing infection ability.

　　If you are really worried about the problem of repeated infection, people over 60 years old and people with basic diseases can be vaccinated with vaccines and booster shots. Go to crowded places, especially hospitals, try to wear masks all the time, and wash your hands and disinfect them when you get home.

　　Rumor may require hysterectomy to solve dysmenorrhea.

　　Truth Recently, patients with network-transmitted adenomyosis can solve the problems of dysmenorrhea and anemia by hysterectomy. However, the treatment of adenomyosis depends on the severity of symptoms, age and fertility requirements.

　　Generally speaking, doctors will use drugs to relieve the disease first, and if the drugs can’t relieve it and there are fertility requirements, doctors will remove the lesions. Total hysterectomy will only be considered if the symptoms are particularly serious, there is no fertility requirement and medical treatment is ineffective.

　　The data show that 35% of patients with adenomyosis are asymptomatic, but 40%-50% are characterized by excessive bleeding during menstrual cycle, and 15%-30% will be characterized by dysmenorrhea. The treatment of adenomyosis depends on the severity of symptoms, age, and fertility requirements.

　　There are four basic requirements of medical ethics: first, the interests of patients are paramount; Second, respect the patient’s right to choose independently; Third, do not hurt; Fourth, the fairness and justice of medical resources. The third point "no harm" means that if the patient’s uterus has no indication of resection, the doctor will never remove it. If the doctor is removed without indication, then the doctor violates the principle of medical ethics and the provisions of the Physician Law, and will be severely punished.

　　Whether the myth is obese depends on the weight

　　The truth is that as long as you are not overweight, you are not obese? No, obesity needs to consider multiple "technical parameters"!

　　To measure whether a person is obese, the commonly used standard is "Body Mass Index" (BMI). It is obtained by dividing a person’s weight (kg) by the square of his height (m). If this value is between 18.5 and 23.9, it is normal weight, and if it exceeds it, it is obese.

　　In addition, whether obesity depends not only on weight, but also on body fat rate. The ratio between total body fat and body weight is called "body fat rate". Generally, the body fat rate of healthy young men does not exceed 20%, and that of women does not exceed 30%. If it exceeds this value, even if the weight is standard, it is the body fat exceeding the standard.

　　On the basis of weight and body fat percentage, there is also a very important value "waist-hip ratio", which is the ratio between waist circumference and hip circumference. If the waist-hip ratio of men is greater than 0.85 and that of women is greater than 0.8, then even if the weight is normal, it may belong to excess abdominal fat accumulation, or even reach "abdominal obesity", which will bring greater potential harm to the body.

　　Rumor has it that sleeping on a hard bed can cure lumbar spondylosis.

　　Truth Jianghu legend says that "people suffering from lumbar pain had better choose a hard bed to sleep, which can cure diseases". However, this is a misunderstanding. Many people think that "hard bed" refers to hard bed and smooth bed. In fact, the hard bed is relative to the soft mattress that Europeans and Americans are used to. The hard bed does not mean a hard bed, let alone a smooth bed, and there are several mattresses on it.

　　Expert introduction: There are four physiological curvatures in the normal spinal structure of human body, namely, cervical curvature, thoracic curvature, lumbar curvature and sacral curvature. If the mattress is too soft, it cannot provide proper spinal support; If the mattress is too hard, it will rely too much on shoulder and hip support, which will also cause spinal distortion; The middle soft bed (hard bed) can better adapt to the curve of human body, and the spine is the least twisted.

　　So, how to grasp the hardness of the mattress on the bed board? Remember the "3: 1 principle", that is, the mattress should not be so hard as not to deform, nor should it deform too much. A 3 cm thick mattress sinks 1 cm when pressed by hand, and a 10 cm thick mattress sinks 3 cm, so the ratio is moderate.

　　Then, lie flat on the mattress, reach out and touch the neck, waist and buttocks to thighs to see if there are any gaps. Then turn the body to one side and try to see if there is a gap between the concave part of the body curve and the mattress in the same way. If the hand can be easily inserted in the gap, it means that the bed is too hard; If the palm of your hand clings to the gap, it proves that the mattress fits the curve of the human body.

　　In addition, when choosing a mattress, we need to refer to three factors besides hardness and fit: gender, weight and age. Women are suitable for elastic mattresses, while men are relatively hard; Slim figure is suitable for a slightly soft mattress, and obese people should sleep on a harder mattress; Infants should choose a moderately soft mattress, while children and teenagers should not sleep on a soft mattress to avoid affecting their growth and development; Elderly people with loose ligaments, especially those with osteoporosis, are advised to choose a slightly hard mattress.

　　Of course, relieving low back pain is not a very simple thing. Don’t imagine that changing a bed or a mattress can completely solve it. Daily maintenance and rehabilitation exercise, avoiding excessive use of lumbar vertebrae and actively coping with problems are all important links to relieve low back pain.

　　Text/reporter Li Jie

In many practical problems, it is often necessary to study the relationship between one interested factor and several other influencing factors. Correlation analysis only describes the strength and direction of the relationship between numerical variables, while regression analysis is a statistical method to describe more accurately how the change of one variable affects other variables through mathematical models. If you useRepresents a variable of real interest,Indicates that others may be related toRelated variables need to be established.andFunctional relationship between. hereIs called a dependent variable or a response variable, andX is called an independent variable or explanatory variable. Regression analysis is the process of establishing this relationship.

　　CCTV News: Li Bin, male, born in May, 1950, Han nationality, party member of CPC, section chief of Shanghai Electric Hydraulic Pneumatic Co., Ltd.

　　Li Bin has successively completed 55 new product development projects, 201 process research projects, more than 1,500 NC machining process programming projects, directly created economic benefits of more than 8.3 million yuan, designed 184 cutters, and made 82 pairs of self-made improved fixtures and fixtures, which saved high costs for enterprises and won many patents.

　　Honors won: second prize of national scientific and technological progress, four consecutive national model workers, Chinese skill award, top ten national models of high-skilled talents, Shanghai Mayor’s quality award, and the first Shanghai craftsman.

　　I. Resume

　　Li Bin, male, born in 1960, graduated from technical school in 1980 and entered Shanghai Hydraulic Pump Factory as a junior worker. In order to better contribute to the development of the enterprise, he aims at the continuous charging of demand, what is missing in the post, what he studies, and what the enterprise needs, he will make up. Through self-study, he completed his high school studies. After three years of spare-time study, he obtained a junior college degree in mechanical engineering from Shanghai TV University. In the summer of 1998, Li Bin obtained a bachelor’s degree in mechanical and electronic engineering from shanghai second polytechnic university, and obtained a bachelor’s certificate and a bachelor’s degree.

　　Li Bin is now the section chief of the CNC workshop of Shanghai Electric Hydraulic Pneumatic Co., Ltd., a senior engineer, a senior technician, a chief technician of Shanghai Electric (Group) Corporation, and one of the most influential labor models since the founding of New China. He has won the first top ten workers’ inventors in Shanghai, outstanding professional and technical talents in Shanghai, Chinese Skills Award, national knowledge worker model, national top ten high-skilled talents model, and enjoyed the special allowance of the State Council experts; In 2011, he won the first prize of national model individual and expert in technological innovation of machinery industry workers and outstanding technological innovation achievements of Shanghai workers; In 2013, he was recognized as the chief gold medal worker of the national mechanical metallurgy building materials system. Li Bin is a representative of the 11th, 12th and 13th National People’s Congress and the 16th, 17th and 19th National People’s Congress of the Communist Party of China (CPC). Delegate to the 13th, 14th, 15th and 16th National Congresses of the All-China Federation of Trade Unions. Shanghai Electric Group established the first school named after ordinary workers in China — — Shanghai Electric Li Bin Technician College. Under the background of "innovation-driven, transformational development", Li Bin used his actions to change the status quo that China’s hydraulic technology is still at a low level in the world, and the basic parts of high-end construction machinery and equipment are completely dependent on imports.

　　Second, the work performance

　　1. Personal moral integrity

　　A tree is a painting, and a forest is a landscape. Li Bin always believes that no matter how great one’s personal skills are, it is only a single strength. Only by cultivating and bringing out more "smart workers" can we effectively promote enterprise development and social development.

　　Through Li Bin Studio as the carrier, Li Bin trained and trained a group of technical backbones who love the enterprise, love their jobs, have dedication, can study hard and work hard. Through the training of key projects, many studio members have made outstanding achievements in their jobs.

　　2. Excellent professional ability

　　Since 2012, Li Bin has led the members of the studio and made many breakthroughs in the localization project of A6V variable motor:

　　2.1 A6V series of new product development projects

　　The project has completed seven series, including A6V28, A6V55, A6V80, A6V107, A6V160, A6V200 and A6V250, including new product development and small batch production, and the performance of the products has basically reached the level of similar products of Rexroth.

　　2.2 A6V series cylinder measurement key project

　　According to the characteristics of NC machine tool processing and the measuring principle of three-coordinate measuring instrument, a set of simple and practical coaxiality measuring die is designed.

　　This measurement method is simple and reliable. Now this spherical measuring mold has been manufactured and put into use. The coaxiality between the axis of the seven holes in the cylinder body and the spherical surface can be controlled within 0.02 mm. The quality of the cylinder body is greatly improved.

　　2.3 Manufacturing Project of Assembly Line of Inclined Shaft Piston Pump

　　Through the analysis of the upper and lower stations and fixture positioning, the project organized the improvement of the assembly line. After the trial assembly of the products, the assembly line was gradually improved, which achieved obvious improvement effects: through the active participation and cooperation of various departments, the design and manufacture of the assembly line of the inclined shaft piston pump were completed, and the quality and efficiency of production were greatly improved.

　　2.4 Design and application of casting mould for motor cover and shell of variable speed motor

　　The purpose of the project is to solve the problems of looseness and sand holes in the casting of the motor cover and shell of variable speed motor.

　　According to the characteristics of the product, the casting mold was redesigned and made. The metal mold was used for assembly line casting, and the whole casting process and various parameters were controlled by computer. It plays a very important role in improving product quality and reducing scrap rate.

　　Through a series of project innovations, such as A6V series new product development project, A6V series cylinder measurement tackling key problems project, inclined shaft piston pump assembly line manufacturing project and variable motor motor cover and shell casting mold design and application project, A6V series inclined shaft hydraulic variable motor has reached the international advanced and domestic leading level.

　　3. Outstanding work performance

　　High-pressure axial piston pump/motor is an important component of hydraulic system. The low level of basic technology in China leads to the domestic hydraulic technical performance and reliability far behind that in Germany, which has become a bottleneck restricting the development of main engine. The development of domestic high-end construction machinery mainframe industry depends entirely on imported hydraulic components, and the national military products are also greatly affected.

　　In order to revitalize the hydraulic technology in China, Li Bin took the initiative to propose and undertake the innovative research project of "Key Technologies for Localization of High-pressure Axial Piston Pump/Motor", with the goal of increasing the maximum pressure from 25MPa to 40MPa and the maximum rotation speed from 1,500 r/min to 6,000 r/min, so as to meet the performance requirements of high-end hosts. He led the project team, and through the design and application of 11 technological innovations, laid the foundation for the key technical indicators of the products to reach the international advanced level. Through the third-party type test, the main technical indicators have completely reached the German peak pressure and the highest speed. The appraisal conclusion of Shanghai Economic and Information Commission on "Key Technologies of Localization of High-pressure Axial Piston Pump/Motor" is: "The project has reached the domestic leading and international advanced level in general." The project won the second prize of National Science and Technology Progress Award and the first prize of China Machinery Industry Science and Technology Award.

　　In recent years, Li Bin led the team to make a breakthrough in the project of high-pressure axial piston pump/motor, and further developed the more advanced A6V series variable motor domestically. A6V series oblique-shaft hydraulic variable-speed motors are widely used in the construction machinery industry at present, for example, they can be used to hoist and rotate crawler cranes, and they are important basic parts of construction machinery. However, A6V series inclined-axis hydraulic variable-speed motors used in China’s construction machinery industry have long relied on imports and are basically monopolized by international giants in Europe and America.

　　Due to some domestic fields, such as metal materials, heat treatment technology of metal materials, high precision and high precision machining technology, there is still a certain gap compared with the international advanced level. The A6V products produced by us have many problems, such as many early failures, unstable processing quality and low qualified rate of parts processing. In order to change these technical problems of A6V products, Li Bin Studio took A6V product technical research as "Model Worker Innovation Studio Project". After the completion of the project, the annual sales revenue of variable displacement pump/motor series products related to this key project exceeded 6 million yuan.

　　The breakthrough of key technologies has enabled China to truly possess the internationally advanced manufacturing technology of variable speed motors. By tackling the key problems of localization, we truly have the international advanced manufacturing technology of hydraulic components, which has practical and long-term significance for changing the backward situation of basic hydraulic components in China.

　　Third, the economic and social benefits achieved

　　1. Economic benefits

　　In 2015 and 2016, due to the influence of macro-control, the construction machinery industry was not prosperous, and the sales of major domestic main engine plants all dropped significantly, but our variable displacement pump/motor products still achieved sales of 7.57 million yuan and 6.14 million yuan respectively. Since the end of 2016, with the gradual deepening of the national "One Belt, One Road" strategy, the construction machinery industry has gradually stepped out of the trough. Especially since January 2017, the supply of hydraulic pumps/motors produced by our company has been in short supply in the construction machinery market in China, and the sales volume has greatly increased compared with previous years. In 2017, the sales volume of products related to key projects was 9.213 million yuan, which achieved good economic benefits for enterprises.

　　2. Social benefits

　　2.1 Breakthrough of key technologies

　　The breakthrough of key technologies has enabled China to truly possess internationally advanced A6V series product manufacturing technology. Rexroth’s hydraulic technology has been in the leading position in the world for a long time. By tackling key problems in localization, we have truly advanced international hydraulic component manufacturing technology, which has practical and long-term significance for changing the backward situation of basic hydraulic components in China. Breaking Rexroth’s technical monopoly, realizing the full localization of high-end hydraulic components, greatly reducing the supporting cost of the main engine, saving the national foreign exchange and promoting the national "Belt and Road" strategy have great social benefits.

　　2.2 Product performance and reliability have been greatly improved.

　　With the improvement of product performance and reliability, the company’s products have been designated as supporting products for military industry, which are used for supporting 09Ⅲ and 09Ⅳ steering gear, a new generation of self-propelled gun launchers and missile destroyers. The supporting products participated in the military parade of the 90th anniversary of the founding of the People’s Liberation Army in China at the end of July 2017, visited Hong Kong for the escort ship of the Liaoning carrier in July 2017, and went to the Gulf of Aden for escort operations and China naval parade in September 3, 2015.

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

　　

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

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

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

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

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

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

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

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

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

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

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

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

　　Improve the balance sheet of high-quality housing enterprises

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

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

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

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

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

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

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

　　"Three lines and four gears" will be adjusted

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

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

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

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

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

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

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

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

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

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

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

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

　　The market is expected to go out of the trough.

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

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

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

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

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

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

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