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According to Hong Kong South China Morning Post, AFP and other media reports, five current and former employees of Phoenix Satellite TV Americas recently filed a complaint with the federal court in Washington, D.C., accusing Liu Zhengzhu, former editor-in-chief of Phoenix Satellite TV Americas, of long-term sexual harassment, sexual assault and even attempted rape of several female employees during his tenure.

Voice of America said,In August 2012, Liu Changle, president of Phoenix Satellite TV, personally dealt with Liu Zhengzhu’s sexual assault on female employees, but the result was that he was allowed to continue to be the editor-in-chief of America TV and still hold real power.Liu Zhengzhu was not dealt with, and in turn retaliated against the employees who had supported the victimized female reporter. It was not until 11 current and former employees and interns threatened to sue Phoenix that Phoenix announced the dismissal of Liu Zheng Zhu in December 2012. Lawyers also pointed out that the new supervisor appointed by Phoenix TV to replace Liu Zhengzhu continued to crack down on employees who supported sexually assaulted female journalists, including criticism, intimidation, demotion and even dismissal.

Liu Zhengzhu, Editor-in-Chief of Phoenix Satellite TV America Station

Liu Zhengzhu, former editor-in-chief of Phoenix Satellite TV: Female employees should offer "sexual interests""

Five current and former employees of Phoenix Satellite TV America asked the jury to hear the case and claimed up to $2 million in economic compensation.

It is understood that all the people who filed the complaint were employees of Phoenix Satellite TV in the United States, both on-the-job and resigned, but they were all American nationals. They said that during his eight-year tenure, Liu Zhengzhu used his position to induce female subordinates, interns and job seekers to provide them with sexual benefits, and even asked them to open rooms in hotels in Washington and new york in the name of work. According to Agence France-Presse, Liu Zheng Zhu used to be the chief correspondent of CCTV in the United Nations. After he took up his post at Phoenix TV, he often boasted about his relationship with the top management of Phoenix TV.

Five in-service and former employees of Phoenix Satellite TV Americas Station who were sexually assaulted by former editor-in-chief Liu Zhengzhu said in the complaint: "If they don’t cater to Liu’s behavior, Liu Zheng will retaliate through unfair criticism at work, let them work under harsh conditions, not give them opportunities for promotion or even expel them.. "

"In all the incidents, Liu Zhengzhu’s consciousness is very clear, which is what he said many times — —Female employees and intern job seekers who want to seek career prospects in Phoenix TV must offer them sexual benefits.. "

The complaint also mentions that Liu Zheng Zhu sexually assaulted a female employee in the office of the Washington office, and went to a female employee’s home and tried to rape her. The complaint also stated that Liu Zhengzhu had harassed the wife of a male employee of Phoenix Satellite TV. The male plaintiff claimed that Liu Zheng Zhu had asked his wife to go to the room of new york Hotel where she stayed and forcibly touched her. When the man reported to the upper level of Phoenix TV America, the reply was "I have to protect my wife".

The president of Phoenix Satellite TV is only willing to let things go?

According to the VOA report, according to a press release issued by appointed lawyer Lynne Bernabei on the 22nd, in August 2012, Liu Zhengzhu, then the editor-in-chief of Phoenix America, sexually assaulted a female reporter in the Washington station of Phoenix America, and was recorded by the female reporter. After the incident, more than 10 former or current employees of Phoenix Satellite TV wrote letters of solidarity and contacted other victims of Liu Zhengzhu, who agreed to testify for the female reporter.

The report quoted a press release issued by lawyer Bernard Baye as saying,Liu Changle, the president of Phoenix Satellite TV, personally came forward to solve the sexual assault at that time, but instead of dismissing Liu Zhengzhu, he was allowed to continue to be the editor-in-chief of the American TV station and still hold the real power. Liu Zhengzhu turned to retaliate against the employees who had supported the victimized female reporter. It was not until 11 current and former employees and interns threatened to file a lawsuit against Phoenix that Phoenix announced the dismissal of Liu Zheng Zhu in December 2012..

Lawyers also pointed out that the new supervisor appointed by Phoenix TV to replace Liu Zhengzhu continued to crack down on those employees who supported the female reporter, including criticism, intimidation, demotion and even dismissal.

Voice of America also said that in response to the press release issued by the plaintiff, Yan Xiaoqi, the public relations manager of Phoenix Americas, replied in an email sent to reporters: "Phoenix Satellite TV knows that someone has filed a lawsuit against Phoenix Satellite TV in the federal district court in Washington, DC. However, so far, Phoenix Satellite TV has not received any legal proceedings. " Yan Xiaoqi also stated in the subsequent e-mail that Phoenix TV has reviewed the press release issued by the lawyer appointed by the plaintiff, and the statement of Phoenix TV in the press release is wrong and inconsistent with the facts, and has entrusted a lawyer to defend the rights and interests of the company.

When the plaintiff filed the lawsuit, he had proposed to be tried by a jury and demanded financial compensation. The plaintiff’s lawyer said,If Phoenix TV does not prevent these bad behaviors from happening, it may face up to $2 million in compensation..

Liu Zheng Zhu personal data

Liu Zhengzhu, who graduated from the English Department of Shanghai International Studies University in 1975, was admitted to the School of Journalism of Cardiff University in the UK for further study, and obtained a master’s degree in journalism. During his study, he wrote a paper on the comparison between Chinese and Western news, which was highly praised by the school.

After graduation, he joined CCTV as a reporter and engaged in news reports in industry, science and technology, politics and other fields; Since 1980s, he has been engaged in reporting the activities of China leaders at home and abroad and international affairs, accompanied China leaders to more than 30 countries, and reported many major political events in China and around the world. During his career as a journalist for more than 20 years, he has interviewed several generations of leaders in China and more than 50 ruling and retired heads of state and government in the world. He is an experienced expert in reporting political and international affairs, and the news he interviewed has won many news awards at the central and Taiwan levels. As a foreign correspondent of CCTV, he is based in Washington and the United Nations. During this period, I had an exclusive interview with then US President Bill Clinton and a number of American politicians, as well as former UN Secretary-General Boutros Boutros-Ghali and current UN Secretary-General Kofi Annan.

In 2004, he served as the editor-in-chief of Phoenix TV America.

Hong Kong’s "South China Morning Post" reported Liu Zheng’s sexual assault.

Agence France-Presse reported the sexual assault of Liu Zhengzhu, editor-in-chief of Phoenix TV America.

Harbin is a city with a history of only over a hundred years. Daowai District is an old city in Harbin, which was formed and developed earlier. It is also a witness to the historical memory of the city. There are not only buildings known as "Chinese Baroque", but also living carriers of Harbin folk snacks, performing arts, business and other cultures.

However, since the first phase of renovation project was started in 2007, Daowai historical block has suffered from blind renovation and tourism development. According to Yin Haijie, a professor of sociology at Harbin Institute of Technology, "the old road in people’s memory has changed its appearance, and the’ soul’ outside the road has been tottering."

About four or five years ago, Yin Haijie began to pay attention to all kinds of problems in the process of renovation of historical blocks outside Harbin. In 2014, he published a paper entitled "Cultural Mourning in the Renovation of Historical Blocks outside Harbin", which bluntly pointed out that "this renovation project, which started with the protection of historical buildings and culture outside Harbin, has gone astray in the complicated and chaotic competition for interests, and cultural protection has become neglected or too busy for all parties.

Nowadays, in the face of the rapid development of urbanization, not only Harbin, but also the protection of historical blocks all over the country is undergoing increasingly severe challenges. Therefore, The Paper (www.thepaper.cn) interviewed Professor Yin Haijie.

The PaperHow did the research topic of the renovation of historical blocks outside Harbin come into your sight?

Yin haijieI have been paying attention to Daowai Historic District for a long time, because it is the earliest developed area after Harbin opened its port. Moreover, I am from Harbin. When I was young, I liked the atmosphere outside the old road, and I often went there for a stroll when I was in college.

Harbin is a city formed by the construction of the Middle East Railway in modern times. In the 1920s and 1930s, the so-called "westernization" and "Europeanization" in Harbin were so fierce that after Zhang Xueliang came here, did he think it was still China? Then he promoted the construction of the Confucian Temple in Harbin, and wrote the Inscription of the Confucian Temple in Harbin.

After the opening of Harbin, China’s national capitalists and foreign comprador fought fiercely in this land, and in the process, China’s national capitalists did not lose to them. One of the most important things to remember is Wu Baixiang. I think he should be a figure in the history of China’s commercial development. He established a shareholder system similar to the present one long ago, and his internal management is very good.

Wu Baixiang founded the famous Tongji Shopping Mall outside the old road. My uncle used to work as a clerk in Tongji Shopping Mall. He once told me that Tongji Shopping Mall’s business area is half that of Lin Qiu Company (a Russian-run shopping mall), but its turnover is twice that of it. Tongji Shopping Mall was a very popular place in those days, and the building was also a "Chinese Baroque" style combining Chinese and Western styles. Originally, there were four mirrors at the entrance, and all passers-by had to take a photo. It was a very important landmark building in Harbin.

Chinese Baroque Architecture

About four or five years ago, I noticed some distressing things in Daowai area. One was barbaric transformation. After the workers came, all the walls were shoveled off. In fact, there were good diagrams and signs on them. Secondly, Tongji shopping mall was demolished, which is a sad thing for Harbin people.

The PaperIs the case of the renovation of the historical block outside Harbin typical in China?

Yin haijie: It should be typical. Nowadays, in the process of urbanization in the whole country, there are actually not many old cities left. I feel that the preservation of historical blocks in urban construction is a particularly urgent task. When I go abroad, in some countries, no one has the right to demolish buildings as long as they are more than 80 years old, regardless of the quality of the buildings themselves. If you want to demolish them, you must get the consent of the parliament.

But now we are very casual. When businessmen come, they can tear it down if they want. Some of them have even been listed as historical protected buildings, but they can still be torn down in some way. For example, Harbin demolished all the sites where the northeast anti-Japanese hero General Li Zhaolin was killed. It is a beautiful small building in itself. So I say that the protection of historical blocks is a very urgent task, but as a scholar, I often feel very powerless.

The Paper: According to your investigation, what forces are there in the process of rebuilding historical blocks outside Daodao?

Yin haijieI think the leading force is the government and developers, or the transformation reflects the will of a more harmonious political and business relationship. In contrast, the power of culture is too weak, and scholars like us just speak. Some old local residents are also ordinary people at the bottom of society. They have neither the right to participate in the renovation of historical blocks nor the possibility to speak out.

Overall, it is dominated by the government and implemented by developers, and the loss of culture becomes inevitable. However, a few years ago, local media and scholars also made some appeals. I am gratified that the large-scale destructive demolition has slowed down.

The PaperIt has been more than two years since your paper was published. Has the situation changed?

Yin haijie: there is basically no big change. Because Harbin wants to transform "Chinese Baroque Street" into a commercial tourist destination, it has been transformed. Now it’s called "repairing the old as before". After the merchants are moved away, the interior is renovated and then the investment is invited. This is basically the mode.

Even so, after re-inviting investment, everyone still likes it very much, because the "Chinese Baroque" building complex itself is very valuable, and the characteristics of combining Chinese and Western are very distinct. It is in contrast with another central street in Harbin, which is completely European-style, and it is two completely different cultural areas. I generally agree with this transformation. Although I haven’t given enough consideration to the loss of culture, at least the building has been preserved now.

Architectural art survived, but the living culture died.

The PaperWhat lessons do you think we should learn from this transformation?

Yin haijieAs a sociologist, I still pay more attention to the cultural characteristics of the city, which are more reflected in people’s life and management methods. Specific to Daowai District, the merchant culture here is particularly developed. Some people say that children outside will sell steamed buns at the age of 4, but this culture is not a solidified thing.

During the transformation, we should investigate all kinds of cultural elements and consider how to keep them in place. For example, food culture, the government should ask developers to find ways to make those small shops survive after the transformation. There are many snacks in Harbin outside the old road, and now there may be less than a quarter left, but even so, it can attract diners from all directions. We all hope that those "small burying shops" can survive. Their frontispiece is very small, and there are only two or three tables when they go in, but the taste they make is delicious. Like this, the government should try to help them keep their original flavor, improve their sanitary conditions and so on, and try to keep it there. But not now, as long as there is no money, you can only move away.

Laojie casserole house

In addition, there are many performing arts cultures in Daowai historical block, such as donkey shadow play, puppet show, etc. Originally, many "circle buildings" walked into it, which was a small stage. We should consider how to keep these in place during the transformation process. I think this aspect is not enough.

I call on government departments to consider culture first, then architecture, and then commerce and tourism in the process of rebuilding historical blocks. Culture must come first, not commerce. At least this thinking logic should be changed.

The PaperCultural protection and commercial development seem to be eternal problems and contradictions in the transformation of urban historical blocks.

Yin haijieYes, in this process, cultural protection is being ignored. Only the government can do this. If the government does not act, cultural protection will become empty talk. I think this is also a very important reason why our country is now "one thousand cities on one side". In the process of transformation, administrative forces often do not consider the value of culture at all.

The PaperAs far as you can see, are there any cases that have been done well in the whole country?

Yin haijieI remember that Kuanzhai Lane in Chengdu should have done a better job.

I have only been to the three lanes and seven alleys in Fuzhou, which gives me the feeling that the facade of the lanes and alleys has only been preserved. Sometimes when the door is opened, there is a clearing, and there are no buildings left, only walls left. Of course, it is not easy to keep it like this, but such buildings are not alive.

Outside the old road, it is a bit like the overpass in old Beijing, and all kinds of performing arts culture are very developed. If the old building of the overpass is still there, but the artists are gone, then this culture will be gone, right? I think cultural protection is imminent.

Because I like the old culture myself, I want to find such a place everywhere, but now it is almost gone. Historical blocks carry cultural memories, but we have destroyed too much in urban construction, especially in the large-scale urban transformation and relocation in the 1990 s. This is our big failure.

The Paper: What about the situation abroad?

Yin haijieI lived in Japan. We know that Japanese cities were badly damaged by World War II, but Nara and Kyoto were well protected. I know a Japanese professor who likes China culture very much. He said that Nara is a small Chang ‘an and Kyoto is a small Luoyang, so he also wanted to visit our Xi ‘an and Luoyang. Later, after I took him to see it, I left in great disappointment. How can I compare with Nara and Kyoto? The historical blocks have been completely destroyed, which is really regrettable. I feel very sorry after reading it for days.

The PaperDo you think there is a conflict between the economic slowdown in Northeast China and cultural protection?

Yin haijieCultural protection can only bring long-term economic benefits, and it can only promote the economy, not lead to economic decline. It is precisely because we don’t pay attention to cultural protection that a city has no culture and vitality and will eventually decline completely. A city with culture will always exude charm.

The following is an excerpt from Yin Haijie’s thesis by The Paper:

In 2007 and 2010, the first and second reconstruction projects of Daowai Historic District were started. The location is the most concentrated and exquisite part of existing Chinese Baroque buildings, namely Jingyang Street, Jingyu Street, Nansidao Street and Nanxun Street. After the second phase of the project, the third phase of the project with a larger area will be started soon.

This massive and time-consuming renovation project has involved many stakeholders, such as the government, developers, residents, old shops and so on, and all parties have started a game from their respective positions. In this interest-oriented game space led by the government and developers, the cultural protection of historical blocks is bound to be distorted. Under the pressure of transformation and the lure of interests, time-honored brands have gradually become "stale", and the interests of residents have nowhere to stretch, so they can only make a living by forbearing. No one has noticed that this renovation project, which started with the protection of historical buildings and culture outside the old road, has gone astray in the complicated and chaotic competition for interests, and cultural protection has become a blind spot that all parties have intentionally ignored or neglected.

First, the old brand: in the gap between the system transition and the wave of development

After several historical changes, some of these old brands have moved away from their original places, some have changed their flags, some have disappeared, and more have been lost under the demolition bulldozers. At present, there are only a few old brands left in Jingyu Street, such as Lao Dingfeng, Shiyitang and Hendry Glasses, but they have all been corporatized. Only a small number of shops still maintain the business model of "front shop and back factory" in the original old house (that is, processing at the back and selling at the front, which belongs to the traditional business model of small workshop).

The author mainly interviewed the traditional time-honored shops and corporatized time-honored shops.

Keeping the traditional time-honored brands often retains the original operation mode of shops and factories in front of them, and the current leaders are still the heirs of the time-honored brands, mostly from the old employees who worked here when they were young, and bought back the state-owned shops after the reform and opening up. Some of the time-honored brands rely on traditional flavor and favorable traffic location, and their business has been very prosperous, especially recognized by some old customers.

In fact, it is difficult for such a time-honored brand to get government support and protection. In addition, because it has changed from a state-owned enterprise to a private enterprise, it still maintains the standard of tax payment when it is state-owned, which makes some shops inefficient. The owner of Donglaishun said this:

"Now I have gone to the old-age pension and the room rate, and there is no big income. The high taxes paid by enterprises like us are all coming from state-owned enterprises, and taxes cannot be avoided. If you don’t want to pay taxes like that, you have to change your brand. If you take this brand off, it will be blind for hundreds of years. "

When the old shops can still be used, most of them are still willing to maintain the status quo and maintain the business characteristics and traditional flavor of the old brands. For example, Donglaishun, Hongguang Wonton Restaurant, etc. However, there are also some well-known Laozi shops that can’t resist the temptation of interests and the pressure of government decrees, and move away from their original places and transform them into modern mass-produced hotels, such as Zhangbaopu and Fanjiyong.

Although these shops have maintained their original flavor in history, their owners often have the conservative consciousness of small merchants, are short-sighted and only care about business. The culture carried by the shops is at most a signboard for their profit, and they do not cherish the culture itself. When the author asked about the history and culture of the time-honored brand, their attitude was very indifferent. The shopkeeper in Laodu replied, "There is nothing to say, just look at the introduction and you will know everything. We will tell you those things."

For the renovation of Daowai block, most shop owners have no concern about culture, but complain that the popularity of Daowai block has dropped sharply due to the renovation of pedestrian street and the cancellation of public transportation.

After the corporatization, the managers and employees of the time-honored shops are uniformly deployed by the superior companies, and most of them are young, and they have no inheritance relationship with the responsible persons in the history of the time-honored shops. The understanding of the history and culture of the time-honored shops only stays in the written introduction, which shows that the vivid history and culture have disappeared. The current manager of Shiyitang is an elder sister in her thirties. She is at a loss about the history and culture of Shiyitang.

Q: "Do you know anything about the history of the World Hall?"

A: "I don’t understand. Look at me, I’m so young and I just transferred here (take me outside the store and just show me the old brand signs and photos of the founders posted in the window)."

Q: "Do you have any inheritance relationship with him?"

A: "No, we are all from Shiyitang Pharmaceutical Company, not the original family type."

Some time-honored brands will retain some traditional techniques and techniques, but it is generally believed that the use of advanced equipment and the standardization of corporate management are in line with the development of the times, and traditional and backward things should be eliminated.

As for the ongoing block renovation here, because these workers are not indigenous residents outside the road, they just come to work here during the day, and they are completely unaware of the block renovation and cultural protection here.

Second, residents and ordinary merchants: in the relocation storm of leaving their homes,

Most of the residents and merchants interviewed have memories of the prosperous period after the end of the Cultural Revolution in the 1970s. In retrospect, a sense of pride as an outsider is beyond words, which is enough to see the splendid past of Daowai, leaving a deep impression on people’s hearts. As for the present situation outside Daoism, most of the residents interviewed think that it is not as good as before, and it is in decline, which is very regrettable. It is very sad that a large number of historical buildings, especially some popular old shops, have been demolished, just like remembering shopping malls. During the interview, several veteran residents said:

Interviewee 1: "How many places have been divided outside this road? Hongqi, Liaohe and Xianfeng Road, which are ceramics and collective strength, are all divided by outsiders. Earlier, our place was quite lively."

Interviewee 2: "This is really a bit extinct. Now there are few old brands outside the road, and the best ones outside the road are the same ones. "

Interviewee 3: "Tongji was the most popular in the early days, but it hasn’t been good since it was finished." Oh, my God, you didn’t even know about the old classmate earlier. Wow, it’s so beautiful. Once you go in, it’s like walking around the stairs. The thing of collecting money is like this. After that, you buy tickets and come back. When I was a child, I loved to go there and look in the mirror when I was finished. "

Interviewee 2: "Tongji’s manager (who stripped Tongji’s shopping mall) should be shot. If there is a classmate now, he can’t even open a shop. It’s a museum, and no one can enter, so he has to put a gun to it. The haha mirror at the door is sold for ten yuan (angry). "

A sea of people’s Tongji shopping mall

The newly-built Tongji Shopping Mall after being demolished has no trace of history (from the author’s field visit and shooting)

In the eyes of these ordinary people, the protection and planning of Daowai historical blocks is a matter for the government, and the people are powerless before the will of the government, so some people express helplessness and indifference. A small tailor shop owner in his fifties said this:

"Now it’s not what ordinary people want. The government has its own plan, and it can do whatever it wants. The ordinary people don’t seem to have any effect. You are looking for residents to investigate now, and you can’t find anything. "

In the interview, the author found that these old residents outside Daodao are very concerned about the housing problem. After understanding, it was found that the government wanted to move the residents here to Qunli (located in the outer suburbs of Harbin) in order to plan the tourist attractions outside Daodao as a whole, because the residents did not want to "change from city people to country people" and unanimously opposed it. Several 60-and 70-year-old Daowai residents complained about the government’s relocation:

"People don’t want to go, so let’s join forces. Where is the collective strength? It seems to be Acheng, far away, going to the countryside. This is not the Cultural Revolution, and people have not made mistakes. This is a good person."

However, the real historical buildings outside Daodao (that is, the "circle building") have extremely poor living conditions after the residents moved out. They are dilapidated due to years of disrepair, and there is no water supply and heating. The aging circuits and wooden structures often cause fires. Among the residents who did not cooperate with the relocation, the young and economically qualified residents abandoned their old houses and left their homeland to buy houses and live elsewhere; The elderly residents who have no economic strength and poor physical strength have to stay in these old houses, and their miserable life has never been asked again. Because of the low rent, most of the idle old houses are occupied by migrant workers who do small businesses, and they usually pay less attention to the use and maintenance of the houses, which aggravates the fire hazard of the old houses. An aunt who lives in an old circle building said this:

"In recent years, the rich are not living here. Nobody cares about this street. It’s all old wires that are always on fire. And the renters here are all from the countryside, and they don’t pay attention. But we have to pay attention, or where to live. "

The current situation of "circle building" in disrepair (from the author’s field visit and shooting)

The old buildings facing the street are covered with traces of fire (from the author’s field visit)

Residents reported that the number of the original residents in Daowai Old Street has been reduced by more than half. After the shops closed in the evening, the merchants who did business also returned to live elsewhere. At night, there was no one in the streets and lanes, which became what people called "ghost towns" and "dead cities".

The basic livelihood of ordinary people has not been solved. How can we talk about the historical and cultural protection of metaphysics? "House" has become the biggest pain in the hearts of the residents here. They have no choice but to regard it as the price that the block transformation has made them bear innocently, so most residents are very disgusted with the protection of baroque buildings here. As for these historic buildings, residents don’t care about their historical and cultural values, and they don’t understand that the government spends a lot of money to repair these impractical buildings.

"If you appeal, just tell us about it, we want to solve the problem of food and clothing, but we want to give us a big house on the spot outside the road. As for anything in their country, we don’t want to know. It has nothing to do with us. It has to solve our problems. "

"What’s the point of protecting it, college students! Some buildings should be torn down, or people will be killed. You can earn money in Gai Lou and solve the difficulties for the residents. You are the whole Baroque, really! My opinion is that we shouldn’t do baroque here. If we repeat it, we should rip it all off and build a tall building. It’ s great, guarding the riverside, you can look at the riverside when you are tall. This building has to sell more pieces. "

"Chinese baroque is no matter how good it is. It is an object left over from history. It is impossible for ordinary people to undertake this matter. You will give ordinary people a spacious house, which is stronger than anything else."

Third, the government and tourism developers: in the joint operation of power and capital,

During the investigation, the author found that all the areas involved in the first phase and the second phase of the Chinese Baroque Block outside Daowai were developed into commercial projects, Erdao Street was building a pedestrian street, and Sandao Street had been developed into a film and television base and a modern leisure area with eight themes.

Zeng Yizhi, a senior reporter and editor of Heilongjiang Daily and a member of the China Cultural Relics Society, summed up the renovation project of Daowai Historical District in his blog post: "The first and second renovation projects of Chinese Baroque moved a large number of indigenous residents to the outer suburbs on the grounds of’ emergency rescue of dangerous houses’ for the sake of overall planning, and moved many old shops away from their original places by means of monetary compensation. The separation of people and houses has forced the original commercial and residential blocks to be changed into commercial and financial land. "

For the original historical buildings, in the first phase of the Chinese Baroque project started in 2007, the plane layout of Nanerdao Street and Nansandao Street, which are within the core protection scope of historical and cultural blocks, was completely changed, some old buildings were demolished and newly built, and the rest buildings were only left with the facade facing the street, and the buildings in the courtyard were completely demolished. The second phase of the project is still repeating the same mistakes. During the implementation process, not only many historical buildings within the core protection scope were destroyed, but also many century-old hutongs were not spared in the construction control zone. Many Daowai residents also expressed their indignation at the government’s massive demolition of historical buildings in interviews:

"This transformation method is wrong. Everything is business and money. What is this called protection? This is making money! We used to be all such buildings outside the road, but now we don’t have them. All the really good ones have been smashed, and now we think of protection. "

For the indigenous residents and shops, as reflected in the above interview, in order to develop commercial projects, the government moved all the indigenous people in this area to the vicinity of the ceramic market near the port authority on the grounds of "reconstruction of dangerous houses". It is understood that in this area, dangerous houses only account for 9.47% of all houses. The merchants are relocated by monetary compensation, but the difference between compensation and relocation is too high, which makes it impossible for those merchants who have been operating here for many years to move back.

However, in fact, the current situation of government investment promotion is not optimistic. It is understood that the first phase of the project has never been rented out. The author visited and found that there are still many vacant rooms on both sides of the unfinished pedestrian street in the second phase, and the existing businesses only entered under the preferential policy of rent-free in the first two years.

The investment reception center and the renovated vacant houses on the pedestrian street are attracting investment (from the author’s field visit and shooting)

Besides, these old shops, which have been recruited again, have not only moved away from the original site, but also transformed from small shops that were traditionally operated into modern mass-produced hotels, and the old flavor no longer exists. In order to expand publicity and increase interests, these cultures have become worthless victims. When talking to a section chief about the present Zhang Baopu, she said:

"Now these things (referring to the newly opened old-fashioned restaurants on the pedestrian street) can’t be eaten, and they are put on this street. In fact, they are well-known, but in fact, the original old taste is wrong. Then what do you mean by old taste? You used to eat it, but now it tastes different. If you haven’t eaten it before, it will be the same if you come for the first time now, won’t it? Nowadays, mass production is definitely different from before, and it will be even worse if tourists are invited to make group meals. However, the original old shop is too broken, and the business philosophy is not good. The benefits are definitely not so good. "

The interior of the modern "Zhangbaopu" new store (from the author’s field visit)

To sum up, the government and developers take the development of commercial tourism as the guide to rebuild historical blocks, and the overall environment of the blocks is destroyed. At the same time, the real historical buildings-the vacant houses after the residents moved are unprotected and repaired, waiting for bulldozers to repeat the old dreams of history in the stormy weather. The coexistence of people and houses can inherit the living historical context, and now the historical block without people and houses has become a dead street. All this, in turn, makes the government’s investment promotion process difficult and bitter.

(Authorized by the author, this article is excerpted from Yin Haijie and Wang Xueyang: "Cultural Mourning in the Reconstruction of Urban Historic Blocks —— Taking Daowai Historic Blocks in Harbin as an Example", published in Modern Urban Research, 06, 2014. )

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

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

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

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

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

Related reading:

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

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

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

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

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

The following is the full text of the dialogue:

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

Jiang Sida:Hello, everyone.

Chen Xiaoyun:Hello, everyone.

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

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

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

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

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

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

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

Jiang Sida:I don’t know.

Chen Xiaoyun:I don’t know.

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

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

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

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

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

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

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

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

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

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

Chen Xiaoyun:Controversy.

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

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

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

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

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

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

Jiang Sida:Yes, something more positive.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Jiang Sida:Yes.

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

Jiang Sida:Compare down.

Chen Xiaoyun:Right?

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

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

Jiang Sida:More timid?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Jiang Sida:We’re fake. Are we fake?

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

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

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

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

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

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

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

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

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

Chen Xiaoyun:There is no difference.

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

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

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

Jiang Sida:Yes, there must be.

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

Jiang Sida:Yes.

Chen Xiaoyun:Really? I didn’t.

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

Chen Xiaoyun:There are also.

Jiang Sida:Right.

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

Jiang Sida:That’s true

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

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

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

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

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

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

Jiang Sida:Divide people.

Phoenix Network "Extraordinary Way": Really.

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

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

Jiang Sida:Really?

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

Jiang Sida:Right.

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

Jiang Sida:Yes.

Chen Xiaoyun:Is there?

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

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

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

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

Jiang Sida:Of course she does.

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

Jiang Sida:The breeze comes naturally.

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

Jiang Sida:Sure, thank you.

Chen Xiaoyun:Ok, thank you.

Phoenix Network "Extraordinary Way": Thank you.

Every reporter Yi Wangqi Qijiang

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

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

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

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

Cartography: Zou Li

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

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

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

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

● March 2016

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

● April 2017

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

● September 2017

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

… …

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

● May 2016

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

● April 2017

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

● May 2017

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

● September 6, 2017

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

● December 2017

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

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

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

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

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

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

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

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

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

There are many reasons for the low enthusiasm of banks:

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

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

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

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

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

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

● June 2009

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

● Beginning in 2014

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

● August 24, 2016

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

● 2018

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

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

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

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

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

Image source: Photo courtesy of test students

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

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

Image source: Photo courtesy of test students

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

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

Image source: Photo courtesy of test students

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

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

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

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

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

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

Is the fact really as argued by Flash Silver?

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

Image source: Photo courtesy of test students

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

Image source: Photo courtesy of test students

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

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

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

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

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

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

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

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

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

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

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

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

Image source: Photo courtesy of test students

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

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

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

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

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

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

Is the fact really as described in the auction loan?

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

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

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

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

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

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

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

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

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

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

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

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

Image source: Photo courtesy of test students

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

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

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

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

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

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

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

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

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

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

Image source: Photo courtesy of test students

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

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

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

● Li Lingpeng, lawyer of Sichuan Landmark Law Firm:

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

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

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

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

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

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

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

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

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

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

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

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

Image source: 51 character official website screenshot

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

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

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

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

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

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

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

Cover image source: Photo Network

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

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

　　Anti-corruption work is constantly extending in the national public security system.

　　The Paper reporter found that since July this year, the number of public security system officials in various places has reached double digits, including many department-level cadres, and officials have been clearly pointed out as "involved in the underworld" in the report of falling off the horse.

　　Such a heavy blow to investigate and deal with corrupt elements in the system naturally has the determination support from the top of the public security system.

　　On August 28th this year, the promotion meeting of the national public security organs’ special struggle against evil was held in Taiyuan, Shanxi. Zhao Kezhi, State Councilor, Secretary of the Party Committee and Minister of the Ministry of Public Security, put forward demands for the public security organs throughout the country to promote the special struggle against vice.

　　Zhao Kezhi pointed out at the meeting: We should dig deep into the "protective umbrella" and strictly implement the "three investigations in one case". We should thoroughly investigate the leading cadres and police officers who act as the "protective umbrella" of the evil forces, never tolerate them, and resolutely eliminate the black sheep.

　　Within two months, four cadres at the departmental level of the public security system were dismissed or "double-opened"

　　In these two months, there are at least four current and former officials of the public security system who have been notified of falling horse and "double opening".

　　On August 14th, the Supervision Committee of Chongqing Municipal Commission for Discipline Inspection released a message that Cai Pin, member of the Party Committee of Chongqing Public Security Bureau and director of the Political Department, was suspected of serious violation of the law, and was currently under disciplinary review and supervision investigation by the Supervision Committee of Chongqing Municipal Commission for Discipline Inspection.

　　On August 31, according to the website of Shandong Provincial Commission for Discipline Inspection, Nie Zuokun, deputy mayor of Yantai Municipal Government, secretary of the Party Committee and director of the Municipal Public Security Bureau, was suspected of serious violation of the law and was currently under disciplinary review and supervision investigation by the Provincial Commission for Discipline Inspection and Supervision.

　　On September 3, the Supervision Committee of the Henan Provincial Commission for Discipline Inspection released a message: Duan Yuliang, chairman and party secretary of Pingdingshan CPPCC, was suspected of serious violation of the law and surrendered himself. He is currently undergoing disciplinary review and supervision investigation by the Supervision Committee of the Henan Provincial Commission for Discipline Inspection. Duan Yuliang once served as the standing committee member of Pingdingshan Municipal Committee and concurrently served as the director of the city’s public security bureau and secretary of the party committee.

　　On September 5, according to the news from the Supervision Committee of Hubei Provincial Commission for Discipline Inspection, with the approval of Hubei Provincial Committee, the Supervision Committee of Hubei Provincial Commission for Discipline Inspection conducted a disciplinary review and supervision investigation on Wang Zhihuai, a member of the former party group and deputy mayor of Huanggang Municipal Government, the former deputy secretary of the Political and Legal Committee of the Municipal Party Committee, and the former party secretary, director and inspector general of the Municipal Public Security Bureau.

　　In the briefing on Wang Zhihuai, the supervisory committee of the local discipline inspection commission mentioned that as the deputy director of Huangshi Public Security Bureau and the director of Huanggang Public Security Bureau, bending the law bent the law for favoritism, providing illegal protection for suspects suspected of allowing others to take drugs, opening casinos, gambling and other illegal crimes, and was suspected of bending the law for favoritism.

　　At present, according to the Regulations on Disciplinary Actions in the Communist Party of China (CPC), the Supervision Law of People’s Republic of China (PRC) and other relevant regulations, after being studied by the Supervision Committee of Hubei Provincial Commission for Discipline Inspection and reported to the Provincial Party Committee for approval, Wang Zhihuai has been decided to be expelled from the Party membership and public office.

　　The public security system is intensive in anti-corruption, and corrupt officials with more than two digits are dismissed.

　　In addition to the above-mentioned four office officials, the The Paper reporter found that at least two-digit current and former officials of local public security systems have been dismissed since July this year.

　　For example, on July 2, according to the news of the Supervision Committee of Zhengzhou Municipal Commission for Discipline Inspection, Liu Congde, a county-level inspector of Zhengzhou Municipal Public Security Bureau and secretary and director of the Party Committee of Shilihe Branch (police station), is suspected of serious violation of the law and is currently under disciplinary review and supervision investigation by the Supervision Committee of the Municipal Commission for Discipline Inspection.

　　On July 4th, the Supervision Committee of Hunan Provincial Commission for Discipline Inspection reported that Xie Xian, deputy director of Hengyang Municipal Public Security Bureau and member of the Party Committee, was suspected of serious violation of discipline and law, and was currently under disciplinary review and supervision investigation by the Supervision Committee of Hengyang Municipal Commission for Discipline Inspection.

　　On July 4th, the Supervision Committee of Anhui Provincial Commission for Discipline Inspection reported that the member of the Standing Committee of Wuhe County Committee, the secretary of the Political and Legal Committee, the secretary of the Party Committee of the Public Security Bureau, and the director Gao Feng were suspected of serious violations of the law, and were currently under disciplinary review and supervision investigation.

　　On July 17, Shanxi Provincial Commission for Discipline Inspection and Supervision reported that Sun Quan, deputy secretary of the Party Committee and executive deputy director of Jinzhong Public Security Bureau, was suspected of serious violation of the law and was currently under disciplinary review and supervision investigation by the Provincial Commission for Discipline Inspection and Supervision.

　　On July 18, the Supervision Committee of the Commission for Discipline Inspection of Sanya City, Hainan Province reported that Kang Zhijun, member of the Party Committee and deputy director of Tianya Branch of Sanya Public Security Bureau, was suspected of serious violation of the law and was currently undergoing disciplinary review and supervision investigation.

　　On July 23, Hunan Red Net News: Under the designated jurisdiction of the Supervision Committee of Changsha Municipal Commission for Discipline Inspection, the Supervision Committee of Kaifu District Commission for Discipline Inspection conducted a disciplinary review and supervision investigation on Zhou Binsheng, former member of the Party Committee and deputy director of Furong Branch of Changsha Municipal Public Security Bureau, who was suspected of serious violation of discipline and law.

　　On July 25, according to the news from the Supervision Committee of the Commission for Discipline Inspection of Guilin City, Guangxi, Huang Guangnian, former deputy director of Guilin Public Security Bureau, was suspected of serious violation of discipline and law, and is currently undergoing disciplinary review and supervision investigation.

　　On July 27th, official website, the Commission for Discipline Inspection of Shenzhen, released a message: Yang Yongping, member of the Party Working Committee of Guangming New District of Shenzhen and director of the Public Security Bureau, was suspected of serious violation of discipline and law, and is currently under disciplinary review and supervision investigation.

　　On July 30th, the Supervision Committee of Hebei Provincial Commission for Discipline Inspection reported that Wang Shoucheng, member of the Party Committee and deputy director of Zhangjiakou Public Security Bureau, was suspected of serious violation of discipline and law, and was currently under disciplinary review and supervision investigation.

　　On August 3, the website of the Supervision Committee of the Henan Provincial Commission for Discipline Inspection released a message: Yang Buchao (deputy department level), secretary of the Party Committee and director of Xiangcheng Public Security Bureau, is suspected of serious violation of the law and is currently under disciplinary review and supervision investigation by the Supervision Committee of Zhoukou City Commission for Discipline Inspection.

　　On August 6, the website of the Supervision Committee of the Commission for Discipline Inspection of Shanwei City, Guangdong Province reported that Zheng Hailu, member of the Party Committee and deputy director of Shanwei Public Security Bureau, was suspected of serious violation of the law and was currently undergoing disciplinary review and supervision investigation.

　　On August 6, Jiangxi Fuzhou Municipal Commission for Discipline Inspection and Supervision website news: Kong Wenyi, member of the Party Committee and deputy director of Yihuang County Public Security Bureau, was suspected of serious violation of the law. He was appointed by the Supervision Committee of Fuzhou Municipal Commission for Discipline Inspection and is currently undergoing disciplinary review and supervision investigation by the Supervision Committee of Nanfeng County Commission for Discipline Inspection.

　　On August 7, Hunan Provincial Commission for Discipline Inspection and Supervision reported that Peng Jin, deputy director of Changde Public Security Bureau, was suspected of serious violation of the law and discipline. He was appointed by the Provincial Commission for Discipline Inspection and Supervision, and is currently undergoing disciplinary review and supervision investigation by the Changsha Municipal Commission for Discipline Inspection and Supervision.

　　On August 9th, the Supervisory Committee of the Commission for Discipline Inspection of Jiujiang City, Jiangxi Province reported that Wang Junjun, member of the Party Committee and deputy director of pengze county Public Security Bureau, was suspected of serious violation of discipline and law, and was under disciplinary review and supervision investigation. Designated by Jiujiang Municipal Supervision Committee, the case was under the jurisdiction of Xunyang District Supervision Committee.

　　On August 15th, Jiangxi, China. com released a message: Chen Yunnan, former deputy magistrate of Tonggu county government and former director of county public security bureau, is suspected of serious violation of discipline and law, and is currently under disciplinary review and supervision investigation.

　　On August 18, the Supervisory Committee of the Commission for Discipline Inspection of Maanshan City, Anhui Province reported that Ding Jiashun, director of the Cihu High-tech Zone Branch of Maanshan City Public Security Bureau, was suspected of serious violation of the law and was currently undergoing disciplinary review and supervision investigation.

　　On August 24, the Supervision Committee of the Commission for Discipline Inspection of Jieyang City, Guangdong Province released a message: Guo Yingbo, a member of the Party Group of Jieyang Forestry Bureau and director of the Forest Branch of Jieyang Public Security Bureau, is suspected of serious violation of the law and is currently undergoing disciplinary review and supervision investigation.

　　On August 30th, the Supervision Committee of the Commission for Discipline Inspection of Meizhou City, Guangdong Province reported that He Yongdong, deputy director of Meijiang Branch of Meizhou Public Security Bureau, was suspected of serious violation of the law and was currently under disciplinary review and supervision investigation.

　　On September 6, the Supervision Committee of the Henan Provincial Commission for Discipline Inspection reported that Zhang Yijun (deputy division level), secretary of the Party Committee and director of Xiadong Branch of Sanmenxia Public Security Bureau, was suspected of serious violation of discipline and law, and was currently under disciplinary review and supervision investigation by the Supervision Committee of Sanmenxia Municipal Commission for Discipline Inspection.

　　The above statistics show that since July, in addition to four departmental cadres, there are at least 19 directors and deputy directors of the national public security system.

　　Many corrupt elements of the public security system in Zhengzhou, Kaifeng and Xiamen were pointed out to be "involved in black and evil"

　　According to the official information, the number of public security system officials who have been dismissed and "double-opened" since July has not only increased, but also some corrupt elements have been directly named by the government as "black-related".

　　For example, the article "Henan Notifies Six Cases of Black-related Corruption and" Umbrella "published on the website of the State Supervision Commission of the Central Commission for Discipline Inspection at noon on August 7 announced six cases of black-related corruption in the public security system in Zhengzhou and Kaifeng.

　　The Paper reporter found that among the six cases exposed this time, there were three in Zhengzhou and three in Kaifeng. Among them, some police officers acted as "protective umbrellas" for gambling and drug-related places, some police officers tipped off the hotels involved in pornography, and some police station directors made false transcripts to help others take the blame.

　　These include: Cheng Jian, the former director of Jieyun Road Branch of Zhengzhou Public Security Bureau, accepted bribes and acted as an "umbrella" for places involved in pornography and gambling; Zhang Guohua, the former deputy director of Mazhai Branch of Zhengzhou Public Security Bureau, and Fan Liufa, the former policeman of Xinmi Public Security Bureau, accepted bribes and introduced bribes, acting as "protective umbrellas" for casinos; Pu Gang bending the law, the former captain of the West Street Police Team of Shangcheng Road Branch of Zhengzhou Public Security Bureau, acted as the "protective umbrella" for casinos; Wang Hua, the former deputy political commissar of Qixian Public Security Bureau in Kaifeng City, accepted bribes and acted as an "umbrella" for Wang Peng’s gang. Tong Yunzhen, the former captain of the Public Security Brigade of Qixian Public Security Bureau in Kaifeng City, accepted bribes and acted as an "umbrella" for Wang Peng’s gang. Wang Yongjiu, former deputy director of Xiguan Police Station of Qixian Public Security Bureau in Kaifeng City, took bribes to act as an "umbrella" for Wang Pengju’s gang involved in gangs.

　　On the afternoon of August 13th, the website of the State Commission for Discipline Inspection of the Central Commission for Discipline Inspection published four typical cases recently investigated and dealt with by the Commission for Discipline Inspection of Fujian Province, in which party member cadres were involved in corruption, vice and corruption, and acted as "protective umbrellas", so as to further strengthen deterrence and discipline.

　　In this case, the most striking thing is that Yang Jiangzhong, the former deputy head of Xiang ‘an District of Xiamen City and the former party secretary and director of Xiang ‘an Branch of the Municipal Public Security Bureau, acted as the "protective umbrella" for evil forces. Yang Jiangzhong began to act as a "protective umbrella" for black organizations in 1999, and was dismissed earlier this year for nearly 20 years. (The Paper reporter Yue Huairang)

At the Paris Motor Show, which opened on October 14th, many domestic models appeared in succession. Guoya, its large car, also officially appeared at the Paris Motor Show.

In terms of appearance, Guoya as a whole highlights the atmosphere and elegance. Look at the front face first. The rounder lines with the large air intake grille make Guoya’s front face look very dignified and atmospheric, and with the red flag, it adds a sense of high quality. In addition, a lot of chrome decoration has been added to the whole front of the car, which also highlights a bit of elegance in visual effect.

On the side of the car body, smooth lines make the whole car look more elegant. Guoya positioned a large car. The length, width and height of the new car are 5353mm/1998mm/1511mm, and the wheelbase is 3260 mm. This size of wheelbase can make the rear row spacious, and it can also be reflected visually. The size of the car is no small matter.

On the rear side,The vertically arranged taillight group is equipped with the arc on the upper edge of the compartment cover to outline the layering of the rear of the car.

In terms of interior, Guoya still maintains a full sense of luxury, decorated with a large number of wood grain, leather and chrome-plated materials, and with a round steering wheel, it is elegant and comfortable in vision. Moreover, the new car is also equipped with a large-size central control panel and LCD instrument, which also has a sense of technology.

In terms of power, according to the existing data, Guoya will provide a 3.0T hybrid version and a 4.0T hybrid version, and the maximum power of the 3.0T hybrid version is 290kW；; The maximum power of the 4.0T hybrid version is 360kW, and the energy storage devices are all ternary lithium batteries.

Notice on Promoting National Sign Language and National Braille

All provinces, autonomous regions and municipalities directly under the Central Government Party Committee Propaganda Department, Disabled Persons’ Federation, Education Department (Education Committee), Language Committee, Radio and Television Bureau, Xinjiang Production and Construction Corps Party Committee Propaganda Department, Disabled Persons’ Federation, Education Bureau, Radio and Television Bureau:

Sign language and Braille are special languages used by more than 30 million people with hearing and vision disabilities in China. Since the founding of New China, the country has carried out a series of standardization work of sign language and Braille, with remarkable results. In the new era, with the implementation of the National Sign Language and Braille Standardization Action Plan (2015-2020) and the establishment of the National Sign Language and Braille Research Center, two major topics, the National Standard for Common Sign Language and the National Standard for Common Braille, passed the review in 2015. After more than two years of trial and improvement, the research results, the National Glossary of Common Sign Language and the National Scheme for Common Braille, were recently standardized by the National Language Committee.

In order to promote the national common sign language and the national common Braille, the Central Propaganda Department, the China Disabled Persons’ Federation, the Ministry of Education, the State Language Commission and the State Administration of Radio and Television have formulated the National Common Sign Language Promotion Scheme and the National Common Braille Promotion Scheme, which are hereby printed and distributed to you, and put forward the following requirements for the promotion.

First, raise awareness, unify thoughts, and enhance the sense of responsibility and mission of promoting national common sign language and national common Braille.

National common sign language and national common Braille are important supplements to national common language. As citizens of China, people with hearing and vision disabilities have the right to use national sign language and national Braille. Popularizing national common sign language and national common Braille is a concrete measure to implement the "people-centered" proposed by the 19th National Congress of the Communist Party of China, which not only protects the right of hearing and vision disabled people to use spoken and written languages, but also plays an important role in learning cultural knowledge, obtaining information, social interaction, participating in social life more fairly, realizing rights and interests equally and integrating development.

All localities should take the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era as a guide, thoroughly implement the spirit of the 19th National Congress of the Communist Party of China, strengthen the "four self-confidences", conscientiously implement the important instructions of the Supreme Leader’s General Secretary "Building a well-off society in an all-round way, leaving no one without a disability" and "running special education well", fully understand the significance of popularizing national common sign language and national common Braille, enhance the sense of responsibility and mission, and improve the promotion consciousness and initiative.

Two, clear responsibilities, work together to form a joint force to promote the national common sign language and the national common Braille.

All localities should establish organizations to promote the national common sign language and the national common Braille, strengthen the organization and coordination of the promotion work, decide major issues through consultation, collectively resolve the handling of major issues, and jointly carry out supervision and inspection of the promotion work. At the same time of close cooperation, relevant departments and organizations of the Disabled Persons’ Federation should perform their respective duties.

Disabled Persons’ Federation system, including deaf associations and blind associations, should shoulder the responsibility and take the lead in organizing and coordinating the promotion of national common sign language and national common Braille; Clear departments and personnel responsible for ensuring the investment of funds; Do a good job in training hearing and vision disabled people who use sign language and Braille in society; Relying on professional institutions, we will train professionals in the field of public service and strive to create a barrier-free communication environment for the disabled.

Language and writing departments should effectively take sign language and Braille work as an important part of language and writing work, incorporate it into planning and unified deployment, strengthen business guidance and technical support, and give necessary financial support if conditions permit.

The education department should arrange for teachers and students with hearing and visual disabilities to learn the national common sign language and the national common Braille, and encourage schools at all levels to explore scientific teaching methods to ensure a smooth transition and transformation.

The administrative departments of press, publication, radio and television should widely publicize the national sign language and the national Braille in various forms, increase the training of sign language translation of TV programs, incorporate the reading promotion of the national Braille into the reading activities of the whole people, and take effective measures to implement the requirements of using the national sign language and the national Braille in national official activities, television and online media, public services and information processing.

Three, combined with the actual situation, make a plan to ensure the realization of the promotion task.

The National Universal Sign Language Promotion Program and the National Universal Braille Promotion Program define the mission objectives, implementation steps, main measures and guarantee conditions for promoting the use of national universal sign language and national universal Braille by 2020. China has a vast territory and complex dialects, and the level of economic development and educational development vary from place to place. It is necessary to formulate a road map and timetable for popularization with local characteristics, taking into account the actual situation, the number and distribution of hearing and vision disabled people, the status and distribution of educational resources, dialect characteristics, economic strength and other factors, so as to ensure the completion of the phased task of popularizing national common sign language and national common Braille by 2020.

Central Propaganda Department China Disabled Persons’ Federation Ministry of Education
State Language Committee State Administration of Radio and Television
June 18, 2018

National universal sign language promotion program

This promotion plan is formulated in accordance with the 13th Five-Year Development Plan of the National Language and Character Undertaking and the National Action Plan for Standardization of Sign Language and Braille (2015-2020).

I. Mission objectives

By 2020, the social awareness of the national common sign language will be improved, and the atmosphere of using the national common sign language in national official activities, school education, television and online media, book publishing, public services and information processing will be initially formed; Basically complete the national common sign language training for relevant personnel in special education schools, key personnel in organizations of disabled persons’ federations at all levels and deaf associations, and the backbone team proficient in and using national common sign language has begun to take shape; The national universal sign language system is more perfect, and the information service ability is further improved; Establish a national sign language level assessment mechanism.

Second, the main measures

(a) training first, and strive to build a backbone team proficient in the national common sign language.

1. Relying on the National Sign Language and Braille Research Center, China Braille Sign Language Promotion Service Center, China Association for the Deaf and some professional institutions, we will hold national key training courses on sign language for special education teachers in special education colleges and universities, sign language column hosts of TV stations at or above the prefecture level, and cast members of China Disabled People’s Art Troupe.

2. Special education institutions will take the national common sign language as the content and post requirements of teachers’ on-the-job training, and include it in continuing education credits and annual assessment, and strive to achieve full-time rotation training by 2020. Full-time teachers in special education colleges should master at least 5,000 common sign language words, and managers who directly serve students with hearing disabilities should master at least 3,000 common sign language words, and understand the characteristics of sign language, paying attention to expressing according to its characteristics.

3. Deaf associations at all levels are responsible for conducting national general sign language training for hearing-impaired people who use sign language as the main means of communication in society. In 2018, major cities in China will basically use the national common sign language, and in 2019, it will cover prefecture-level cities. In 2020, the national common sign language will be basically used in cities and towns above the county level.

4. Disabled Persons’ Federation at or above the county level should carry out national common sign language training, encourage disabled persons’ Federation staff to understand, learn and use national common sign language, and the staff who directly serve the hearing disabled should correctly master not less than 3,000 national common sign language words, and understand their own characteristics, and pay attention to expressing them according to their characteristics. By 2020, we will strive to equip disabled persons’ federations at all levels with at least one certified part-time sign language interpreter.

5. Encourage and support local special education institutions and deaf associations to carry out national common sign language training for employees in public service fields such as justice, medical care, transportation, banking, commerce, tourism and urban management.

(2) Highlight key points and strengthen the ability of key personnel in key areas to use the national common sign language.

1 to recruit students with hearing disabilities in special education schools and conditional ordinary schools (including kindergartens, ordinary primary and secondary schools, secondary vocational schools) to use the national common sign language in education and teaching activities. Since 2018, the new textbooks for deaf schools in compulsory education have used the national common sign language. In class teams, school meetings and other activities, the national common sign language is used in combination with the content of education and teaching, and school-based courses in sign language are encouraged to teach the national common sign language. By 2020, students with hearing disabilities of all grades can correctly understand and skillfully use 500-2,000 national sign language words.

2. From 2019, the national common sign language will be gradually used in the sign language columns of CCTV, provincial TV stations, simultaneous sign language interpretation of major events of the party and the state, and publications. From 2020, the national common sign language will be gradually used in the sign language column of municipal TV stations and the sign language simultaneous interpretation of local official activities.

3. Gradually establish sign language translation training and certification system. Complete the development of national common sign language level standard (Trial) and sign language translation level standard (Trial), test outline, question bank and other specifications; Relying on professional institutions and the China Deaf Association, the National General Sign Language Examination Committee was established, and 2-3 provinces were selected to carry out the pilot of the National General Sign Language Examination, so as to explore the unified industry management of the National General Sign Language Examination and qualification certification.

(three) extensive publicity, improve the social attention of the national common sign language.

1. Publish news about the national common sign language on official and institutional websites such as relevant state departments, China Disabled Persons’ Federation and its local organizations, China Deaf Association, National Sign Language and Braille Research Center, China Braille Sign Language Promotion Service Center, Huaxia Publishing House, etc., and widely publicize the national common sign language through expert interpretation, in-depth media coverage and other forms, attracting social attention.

2. In 2018, the National Dictionary of Common Sign Language was published on the basis of the National Glossary of Common Sign Language, and some minority language versions of the National Dictionary of Common Sign Language and other dictionaries, teaching materials, learning and other series of books were successively translated and published.

3. Organize the national general sign language column program on China Education Television. Compile and publish national sign language posters and teaching wall charts. Use important time nodes such as "National Day for the Disabled", "International Sign Language Day", "International Day for the Deaf" and "International Day for the Disabled" to hold various and popular national sign language promotion activities. Organize the National General Sign Language Skills Competition in due course.

4 to encourage the establishment of a public welfare national common sign language learning platform, research and development of national common sign language information products. Encourage the use of artificial intelligence, speech recognition, sign language recognition and other advanced technologies to study various national common sign language information products.

Third, the guarantee conditions

(1) Strengthen organizational leadership. Provinces (autonomous regions and municipalities) shall establish a leading group for the promotion of national common sign language, led by the Disabled Persons’ Federation and attended by education, language committee, press and publication, radio and television departments, with a clear division of labor, close cooperation, strengthened coordination, formulated an implementation plan for the promotion of national common sign language in the province (autonomous regions and municipalities), and regularly studied and solved major problems to ensure the orderly development of the promotion work. Special attention should be paid to giving play to the role of deaf associations and actively absorbing them to participate in training and promotion activities. The provinces that have carried out the pilot project of national common sign language should play the leading role of the pilot unit, sum up the experience of promoting the pilot, lead the promotion work in the whole province, and improve the promotion quality.

(2) make overall arrangements for funds. Disabled persons’ federations at all levels shall, in accordance with the requirements of the National Action Plan for Standardization of Sign Language and Braille (2015-2020), take the initiative to coordinate the financial departments, and include the funds needed to promote the national common sign language in the budget to ensure investment. National textbook publishing funds, national publishing funds, TV station business funds, etc. should be included in the promotion of national common sign language and be tilted. All localities should focus on subsidizing the purchase of national general sign language school supplies by poor hearing disabled people. Conditional places can establish and implement the national universal sign language translation service subsidy system.

(three) into the scope of supervision. All localities should incorporate the promotion and use of national common sign language into the education supervision, language work supervision and evaluation, barrier-free environment construction supervision and inspection of governments at all levels, and carry out special supervision when necessary. It is necessary to report the results of supervision and inspection, sum up successful experiences, and find and solve problems in time.

National General Braille Promotion Program

This promotion plan is formulated in accordance with the 13th Five-Year Development Plan of the National Language and Character Undertaking and the National Action Plan for Standardization of Sign Language and Braille (2015-2020).

I. Mission objectives

By 2020, the social awareness of the national common Braille will be improved, the backbone team skilled in mastering and using the national common Braille will take shape, the information service ability will be improved, the national common Braille level assessment mechanism will be established, and the national examination papers will be printed in the national common Braille, thus forming an atmosphere of using the national common Braille in national official activities, school education, book publishing, public services and information processing.

Second, the implementation steps

(1) Students with visual disabilities who use Braille at school.

1. From the fall semester of 2018, the first-year primary school students began to use the textbooks printed in the national common Braille (the standard version of each word), and the second-year primary school students began to use the textbooks printed in the national common Braille and supporting extracurricular reading materials (including provincial and simplified versions). The third to sixth grades and junior high school grades will change the national general Braille version simultaneously with the new curriculum standard textbooks for blind schools. Students in other grades continue to use the original textbooks.

2. Starting from the spring semester of 2019, in the spring semester of each academic year, students with visual disabilities who graduated from junior high schools, senior high schools (including ordinary senior high schools, adult senior high schools and secondary vocational schools, the same below) and colleges and universities will receive no less than 8 class hours of national general Braille training until the transition of students at school is completed.

3. Starting from the fall semester of 2019, freshmen majoring in rehabilitation and health care of traditional Chinese medicine in secondary vocational schools began to use textbooks and supporting extracurricular reading materials (including provincial and abbreviated versions) printed by the national general Braille, and students of other majors and grades continued to use the original textbooks.

4. From the fall semester of 2020, freshmen in ordinary high schools and universities (including graduate students) began to use textbooks printed in Braille and supporting extracurricular reading materials (including provincial and simplified versions). Students in other grades continue to use the original textbooks.

Students who have already used the national common Braille textbooks will be promoted to senior grades and replaced with the national common Braille textbooks.

(2) Visually disabled people who use Braille in society.

From 2018, focusing on young people under 50 years old, we will carry out national general Braille training for visually disabled people in society. By 2020, all localities will complete the backbone training of social vision disabled people at the provincial, city and county levels, and carry out a certain range of universal training.

(3) Special education normal students.

From the fall semester of 2018, the Braille courses for special education teachers will be gradually converted into national general Braille, which will be completed in 2020. Beginning in the spring semester of 2019, graduates will receive no less than 16 hours of national general Braille training before leaving school, until the transition of students in school is completed.

(four) the publication of teaching AIDS, extracurricular reading materials and social reading materials.

From the second half of 2018, the national general braille books will be gradually published. The proportion of new books published in 2018 is 10%, the proportion of new books published in 2019 is 30%, and the proportion of new books published in 2020 is 60%.

(5) Official activities and examinations.

From 2019 onwards, when people with visual disabilities participate in major activities of the party, the state and local governments, they will provide written materials in national Braille.

From 2020 onwards, the national general Braille system will be gradually used in qualified national examinations (excluding abbreviations), and candidates’ answer sheets will not be required for the time being.

Third, the main measures

(1) Building a backbone team. Professional institutions such as China Association for the Blind, China Braille Publishing House, China Braille Library, Beijing Union University College of Special Education, etc., hold national general Braille backbone training courses for special education institutions, ordinary schools where students with visual disabilities attend classes, Braille publishing units, blind associations and units where people with visual disabilities are concentrated in employment. The number of backbone teams is not less than 800.

(2) Strengthen the training of special education teachers. Special education institutions that recruit students with visual disabilities should take the national Braille as the content and job requirements of teachers’ on-the-job training, and include it in continuing education credits and annual assessment. From 2018, it is necessary to train teachers of grades and disciplines who use the national Braille textbooks, and in 2020, all staff will be trained in rotation.

(3) Smooth learning channels and enrich learning forms. Compile and publish national general Braille posters and teaching atlases, and record the audio and video of the training and teaching of the National General Braille Program. In the blind monthly, blind children’s literature and other Braille publications, the national general Braille training lectures were held, and the relevant columns were selected to gradually switch to the national general Braille. In 2020, the National General Braille Knowledge and Skills Competition will be held.

(D) Build an online learning platform. Widely mobilize social forces, research and develop national general-purpose Braille information products, and incorporate them into the digital reading promotion project for the blind. By 2020, the national universal Braille network service platform and a variety of electronic information products will be gradually realized to serve the majority of visually disabled people.

(five) the establishment of a national general Braille level assessment mechanism. In 2019, we will complete the development of the national general Braille level standard (for trial implementation), test outline and test question bank, establish the national general Braille examination committee based on professional institutions and China Blind Association, and select some provinces to carry out the national general Braille level examination pilot work in 2020.

Fourth, the guarantee conditions

(1) Strengthen organizational leadership. Provinces (autonomous regions and municipalities) shall establish a national leading group for the promotion of universal Braille, led by the Disabled Persons’ Federation and attended by education, language committee, press and publication, radio and television departments, with a clear division of labor, close cooperation, strengthened coordination, formulated an implementation plan for the promotion of national universal Braille in the province (autonomous regions and municipalities), and regularly studied and solved major problems to ensure the orderly development of the promotion work. Special attention should be paid to giving play to the role of blind associations and actively absorbing them to participate in training and promotion activities. The provinces that have carried out the national general Braille pilot should give full play to the leading role of the pilot units, sum up the experience of promoting the pilot, lead the province’s promotion work, and improve the quality of promotion.

(2) make overall arrangements for funds. Disabled persons’ federations at all levels shall, in accordance with the requirements of the National Action Plan for Standardization of Sign Language and Braille (2015-2020), take the initiative to coordinate the financial departments, and include the funds needed to promote the national Braille into the budget to ensure the investment. National textbook publishing funds and national publishing funds should include the publication and promotion of national general braille books and give them a tilt. All localities should focus on subsidizing the purchase of national general braille school supplies by poor visually impaired people.

(3) Providing Braille teaching materials and reading materials in a timely manner. Shanghai Boai Braille Printing Co., Ltd. is responsible for printing Braille textbooks for compulsory education. China Braille Publishing House is responsible for publishing extracurricular reading materials, high school (including technical secondary school) and college teaching materials and social reading materials.

(four) into the scope of supervision. All localities should incorporate the promotion and use of the national Braille into the education supervision, language and writing work supervision and evaluation, and barrier-free environment construction supervision and inspection of governments at all levels, and carry out special supervision when necessary. It is necessary to report the results of supervision and inspection, sum up successful experiences, and find and solve problems in time.

District Civil Affairs Bureau, Finance Bureau, State-owned Assets Supervision and Administration Commission, Social Affairs Bureau of Beijing Economic and Technological Development Zone:

　　In order to thoroughly implement the decision-making arrangements of the CPC Central Committee and the State Council, conscientiously implement the National Development and Reform Commission and other departments’ Several Policies on Promoting the Recovery and Development of Difficult Industries in the Service Industry, and this Municipality’s Several Measures on Continuing to Increase the Assistance of Small and Medium-sized Enterprises to Accelerate the Recovery and Development of Difficult Enterprises, and Notice on Matters Related to the Reduction and Exemption of Housing Rent for Small and Medium-sized Enterprises and Individual Industrial and Commercial Houses in the Service Industry, so as to reduce the impact of the epidemic on the operation of old-age service institutions and help them tide over the difficulties and develop steadily, with the consent of the municipal government, the relevant matters are hereby notified as follows:

　　First, improve the operating subsidy standard for old-age care institutions

　　According to the Measures for the Administration of Operating Subsidies for Old-age Care Institutions in Beijing, we will increase support for the operation of old-age care institutions. Since March 2022, when the first-level prevention and control measures were implemented in the old-age care institutions, on the basis of the existing operating subsidy standards, the old-age care institutions will be given a maximum of six months of operating subsidies according to the standard of increasing 500 yuan per month for every elderly person actually admitted, and will be allocated in batches according to the actual closed management time.

　　For the urban community old-age service stations (urban stations) and rural happy old-age stations (rural stations) that have been put on record and announced by the civil affairs departments, those who have temporarily taken care of the elderly and implemented closed management according to the government requirements, with reference to the provisions and calculation methods of operating subsidies for old-age care institutions, and according to the standard of increasing 500 yuan per month for every actual elderly person, they will be given six months of operating subsidies.

　　The actual number of elderly people admitted to the old-age care institutions is based on the data of the elderly registered in this city collected by the municipal social welfare service management platform on March 31, 2022. If the elderly stay for 15 days (inclusive) within a month, the operating subsidy will be paid in one month; If it is less than 15 days, no operating subsidy will be paid.

　　Old-age service institutions should conscientiously fulfill the main responsibility of epidemic prevention and control, strictly follow the requirements of epidemic prevention and control management of old-age care institutions in this city, improve the management system, strengthen the management of admission and discharge, regularly carry out nucleic acid testing for all staff, and guide the admitted personnel to be vaccinated with COVID-19 vaccine. This new operating subsidy should be combined with the implementation of the main responsibility of epidemic prevention and control in the aged care service institutions.

　　Old-age care institutions have been partially deducted from their operating subsidies due to their ineffective implementation of the main responsibility of epidemic prevention and control, and they will be settled in a unified way when the normal operating subsidies of old-age care institutions are allocated in the first half of 2022 and beyond. Encourage all districts to complete the allocation of subsidies for the normal operation of old-age care institutions in the first half of the year before the end of August, but no later than the end of September 2022.

　　As of the effective date of this notice, if the institution has stopped operating and will no longer operate in the future, it will no longer be given operating subsidies.

　　Two, give the community pension service station operating subsidies.

　　Since March, 2022, when the first-class prevention and control measures of old-age service institutions were implemented, for urban community old-age service stations (urban stations) and rural happy old-age stations (rural stations) which were put on record and announced by the civil affairs departments, if they earnestly performed the main responsibility of epidemic prevention and control as required and basically completed the relevant tasks in the responsible area, they would be given a fixed operating subsidy of up to six months according to the standards of 20,000 yuan and 10,000 yuan per month, respectively, and allocated in batches according to the actual closed management time. Before the effective date of this notice, no operating subsidies will be given to the stations that have been shut down and no longer operate in the future. Each district should complete the allocation of subsidies from March to May in 2022 in mid-July, and complete the allocation of follow-up subsidies before the end of September 2022.

　　For the post station, it is difficult to fully complete four basic old-age service projects according to the Measures for Supporting the Operation of Community Old-age Service Posts in Beijing due to the implementation of the first-level prevention and control measures of the old-age service institutions, but the telephone tour, old-age consultant, emergency call, supply and demand docking and other alternative basic old-age service tasks have been completed according to the requirements of each district, and the basic subsidy for the post station will be approved by each district according to the completion of the basic old-age service tasks of the post station, and the subsidy allocation for the first half of the year will be completed in mid-July 2022.

　　Due to the ineffective implementation of the main responsibility of epidemic prevention and control, the station was deducted some operating subsidies, and it was settled in a unified way when the normal operating subsidies of the old-age care institutions were allocated in the first half of 2022 and beyond. Within 15 days from the date of issuance of this notice, each district shall, in accordance with the principle of "high priority", give a fixed operating subsidy or a basic subsidy to the post during the first-level prevention and control period of the old-age service institutions, and make a choice to confirm and report to the Civil Affairs Bureau.

　　Each district may, in combination with the actual situation of the district, reward the post stations that play an important role in community prevention and control.

　　III. Rent reduction and exemption for old-age service institutions

　　In 2022, for the old-age care service institutions that lease the properties owned by government agencies and institutions at all levels and state-owned enterprises for providing old-age care services, all districts will coordinate rent reduction and exemption in accordance with the General Office of the Municipal Government’s "Several Measures on Continuing to Increase the Assistance of Small and Medium-sized Enterprises and Accelerating the Recovery and Development of Difficult Enterprises" (Beijing Zhengban Fa [2022] No.14).

　　For the old-age service institutions that rent non-state-owned houses and cannot get rent relief, each district can give appropriate assistance in light of the actual situation.

　　Four, reduce the proportion of public private institutions to manage development funds.

　　The owner will collect half of the agency management and development funds and rent of the operator during the response period of epidemic prevention and control of major public health emergencies.

　　V. Strengthening the financial guarantee

　　The funds required for this Notice shall be arranged by all districts as a whole and raised through multiple channels. For the funds needed to improve the operating subsidies of old-age care institutions during the epidemic prevention and control in 2022, the municipal and district finances will share the funds in a ratio of 6: 4, and the municipal financial subsidies will be distributed to all districts through special transfer payments before mid-July 2022. The newly-added operating subsidy will be allocated to the old-age service institution in a lump sum in mid-July 2022. All districts should strengthen relevant records and properly keep complete vouchers, and consciously accept auditing and supervision during and after the event.

　　Attachment: Subject Responsibility of Epidemic Prevention and Control in Aged Care Service Institutions

Beijing Municipal Civil Affairs Bureau　　　　

beijing finance bureau　　　　

State-owned Assets Supervision and Administration Commission of Beijing Municipal People’s Government　　　　

July 12, 2022　　

attachment

The main responsibility of epidemic prevention and control in old-age service institutions

　　Before the end of September, 2022, for the old-age care institutions that were found to have seriously violated the epidemic prevention and control requirements and were recognized by the municipal and district civil affairs departments respectively, it was found that 20% of the total operating subsidies were deducted once, 50% of the subsidies were deducted twice, and 80% of the subsidies were deducted more than twice. Among them, in the case of Article 7, the operating subsidy shall be deducted according to the corresponding regulations.

　　1. Old-age care institutions (including community old-age care service stations for the elderly, the same below) failed to implement fully enclosed management at the gate as required, and the staff failed to enter and leave the gate as required.

　　2. The elderly who temporarily went out for medical treatment and their accompanying personnel did not live in isolation according to the regulations after returning to the old-age care institution.

　　3. Living materials, express items, etc. entering the old-age care institution are not allowed to stand and disinfect according to regulations, or are not delivered in a "non-contact" manner.

　　4. The community pension service station provides in-house meals or gathering services in violation of regulations.

　　5. Emergency maintenance personnel, nucleic acid testing personnel and emergency visiting family members who have not changed their full protective clothing and wear N95 masks have not been prevented from entering the old-age care institutions.

　　6 old-age care institutions, community old-age service stations and staff did not carry out full-time nucleic acid testing according to regulations.

　　7. Before the end of July, 2022, the vaccination rate of residents in old-age care institutions in COVID-19 (excluding residents who were identified as contraindications for vaccination in COVID-19 by local health departments) did not meet the specified requirements. If the vaccination rate is lower than 60%, no subsidy will be given; If the vaccination rate is lower than 70%, a subsidy of 60% will be given; If the vaccination rate is lower than 80%, 70% subsidy will be given; If the vaccination rate is lower than 90%, 80% subsidy will be given; If it is less than 100%, it will be subsidized by 90%.

　　8 other serious violations of epidemic prevention and control requirements.