Beijing, 7 June (Reporter Ding Yazhen, Wu Yue) June 7 is the first day of the national college entrance examination. The reporter learned from the Education Examinations Institute of the Ministry of Education that the number of applicants for the national college entrance examination reached 13.42 million in 2024. There are 7,926 test sites, 359,000 ordinary test sites, 22,000 standby test sites and 1.07 million invigilators. All localities and departments have taken a series of measures to ensure a safe college entrance examination.

　　The relevant person in charge of the Education Examinations Institute of the Ministry of Education introduced that in order to ensure the safety of test papers, one post with multiple controls and personnel and technology joint defense were strictly implemented in all aspects of test paper life system, printing, transportation, storage and distribution.

　　It is understood that the Ministry of Education, together with the public security, network information and other departments, jointly launched a special campaign to crack down on cheating, and together with the Ministry of Industry and Information Technology, strengthened the governance of the electromagnetic environment around the test center, focusing on cracking down on illegal acts of cheating in exams by using radio equipment such as mobile phones. At the same time, guide all localities to formulate special governance work plans, strengthen the standardized management of off-campus training institutions involved in college entrance examinations, and severely crack down on illegal activities such as false propaganda, organizational fraud or cheating.

　　"This year, the Ministry of Education specially ordered Braille test papers for 15 blind candidates in 11 provinces (autonomous regions and municipalities), and provided reasonable convenience and help for more than 11,000 disabled candidates." The relevant person in charge of the Education Examinations Institute of the Ministry of Education introduced that all localities have carried out escort actions for college entrance examinations, further optimized examination services, provided comprehensive guarantees for candidates’ travel, accommodation and other aspects, and made efforts to create a peaceful, comfortable and warm-hearted examination environment.

　　In addition, in response to natural disasters such as earthquakes, rainstorms, floods and other public emergencies such as traffic accidents that may occur during this year’s examinations, all localities and departments have further improved emergency plans and refined their work measures.

　　Chongqing Haier Dishwasher Interconnected Factory production site. Xinhua News Agency reporter Wang Quanchao photo

　　From going abroad to snap up rice cookers and toilet lids to the upsurge of national consumption … … Since the 18th National Congress of the Communist Party of China, China’s consumer goods industry has gone all out to increase varieties, improve quality and create brands. The industrial scale and comprehensive strength have been significantly enhanced, the quality and level of supply have been continuously improved, and the quality satisfaction and brand recognition have been steadily improved, which has made an important contribution to continuously meeting the people’s growing needs for a better life.

　　Industrial strength has been significantly enhanced.

　　On September 27th, PICO, a smart wearable device brand owned by ByteDance, released a new VR (Virtual Reality) all-in-one machine in China, which is only equivalent to a can of cola without straps and batteries. The brand-new product experience and content ecology are expected to open the road of VR popularization in China. According to IDC, an international data organization, in the second quarter of this year, PICO ranked among the best in the global VR head-mounted display shipments, and PICO’s goal is to become a leading world-class XR (Extended Reality) platform. IDC data also shows that in the first half of this year, the retail sales of VR market in China exceeded 800 million yuan, up 81% year-on-year.

　　This is a microcosm of the remarkable enhancement of the comprehensive strength of China’s consumer goods industry. Consumer goods industry is the most direct and closely integrated industry with people’s lives. It is a traditional advantage industry and an important livelihood industry in China, covering all aspects of people’s food, clothing, housing and transportation, education, medical care and health care. Consumer goods industry is also an important part of China’s manufacturing industry, with industrial added value, industrial profit and export delivery value accounting for about a quarter of all industries, and the number of enterprises and employees accounting for nearly 40% of all industries. In the past 10 years, the industrial scale of many consumer goods industry segments has grown rapidly and ranked first in the world.

　　According to He Yaqiong, director of the Consumer Goods Industry Department of the Ministry of Industry and Information Technology, in the past 10 years, the number of enterprises above designated size in China’s consumer goods industry has increased by 23.7%, reaching 172,000, accounting for 38.5% of the national industry; The added value of industry accounts for 27.9% of the national industry, and the operating income and industry profit have increased by 35% and 64.5% respectively in the past 10 years. According to the regulations, the number of employees in enterprises is about 27 million, the level of intelligent development has been significantly improved, and the stability and overall competitiveness of the industrial chain supply chain have been continuously enhanced. There are 150 consumer goods enterprises with a scale of 10 billion yuan in China, and the export of light industry and textiles accounts for more than 30% of the world.

　　From the perspective of subdivision, China’s position as a light industry power has been continuously consolidated. In 2021, the added value of young industries accounted for 16.9% of the national industrial added value, and exports exceeded 900 billion US dollars; The number of enterprises above designated size increased from 96,000 in 2012 to 116,000, the operating income increased from 17.6 trillion yuan to 22.4 trillion yuan, and the total profit increased from 1.1 trillion yuan to 1.4 trillion yuan; 290 light industry characteristic regions and industrial clusters have been formed, distributed in 24 provinces, accounting for 40% of the total industrial output value of enterprises above the scale of light industry, and have become the pillars of regional economy.

　　China is also the world’s largest producer, exporter and consumer of textiles and clothing. In 2021, the fiber processing volume of industrial textiles was 19.35 million tons, nearly double that of 2012, accounting for one-third of the total fiber processing volume.

　　Food industry accelerates high-quality development. In 2021, the operating income of enterprises above designated size in the food industry increased from 8.1 trillion yuan in 2012 to 9.1 trillion yuan, and the annual operating income of a number of key food production enterprises exceeded 100 billion yuan. COFCO ranked among the top five grain merchants in the world, and the leading food enterprises continued to grow and develop.

　　The supply guarantee capacity of the pharmaceutical industry has been significantly improved. In 2021, the added value of the pharmaceutical industry accounted for 4.1% of the total industry; The operating income was 3.4 trillion yuan, an increase of 80.8% compared with 2012.

　　Supply quality continues to improve.

　　Once upon a time, going abroad to buy home appliances became a craze. Nowadays, domestic household appliances are leading the consumption upgrade with innovation. Fang Tai’s latest dishwasher adopts an original new generation of dishwashing technology — — High-energy bubble washing has achieved breakthroughs in five aspects: water flow speed, impact area, stubborn stains peeling, lower energy consumption and sterilization and pesticide residue removal effect; Jiuyang’s latest rice cooker is the industry’s first zero-coating rice cooker, which adopts stainless steel liner and original moisturizing membrane technology to avoid coating peeling and maintain rice taste. As soon as these products went on the market, they kept their sales leading and became innovative products that were "applauded and sold well".

　　The home appliance industry has a lot to do. In 2021, the operating income of enterprises above designated size in China’s household appliance industry was 1.7 trillion yuan, and the total profit was 121.9 billion yuan, up by 15.5% and 4.5% respectively. The export of the whole industry exceeded US$ 100 billion, a year-on-year increase of over 20%. The products sold well in more than 160 countries and regions around the world, serving more than 2 billion household users around the world. The output of major products such as refrigerators, air conditioners and washing machines accounted for more than 50% of the global total. In the past 10 years, China’s consumer goods industrial enterprises have continuously accelerated the iterative updating of products, created and led consumption upgrades with independent innovation, and met consumers’ multi-level, personalized and high-quality consumption needs.

　　Every year, the data of "618" and "double 11" show that China’s consumption upgrading trend is obvious. This year’s "618" data shows that new products and high-end quality goods are favored by consumers. Only JD.COM "618" got off to a good start for 4 hours, and the turnover of new home appliances exceeded the whole month of last year. In addition, the trend of home appliances also grew rapidly, and the four-hour turnover of game TV exceeded the whole month of last year; The turnover of embedded air conditioners increased by 300% year-on-year; The volume of ice washing suits increased by more than 6 times year-on-year; The turnover of fresh air air conditioners increased by more than 8 times year-on-year.

　　In the past 10 years, the quality and level of production and supply of consumer goods in China have been continuously improved. The market size of smart home appliances in China has increased from 200 billion yuan in 2016 to 500 billion yuan. New types of home appliances such as dishwashers and sweepers have developed rapidly, and new durable consumer goods have accelerated their entry into ordinary people’s homes. Breakthroughs have been made in key components such as high-efficiency inverter compressors and ballpoint pens, innovative products such as wearable smart devices and functional clothing are increasing, and important progress has been made in the research and development of new drugs in the fields of malignant tumors.

　　"The substantial improvement in the supply quality of the consumer goods industry is mainly reflected in three aspects: First, the number of well-known brand enterprises is increasing. Up to now, there are 150 consumer goods brand enterprises with a scale of 10 billion yuan in China, 16 brands have become internationally renowned first-line brands, and 40 sub-categories of consumer goods have well-known domestic brands. Second, China’s consumer goods industry is gradually moving towards the middle and high end, the added value of products is constantly improving, and the industry profit has increased by 64.5% in the past 10 years. Third, the level of digitalization, intelligence and innovation of products has been continuously improved. The smart home appliance market is leading the world, and innovative products such as personalized wearable smart devices and functional clothing are increasing. " Zhao Gang, president of Saizhi Industry Research Institute, said.

　　Brand recognition has steadily increased.

　　Domestic brands are accelerating to occupy young people’s shopping carts. Guochao brand-related shoes and clothing, digital products, accessories and accessories, and sports and fitness equipment have become popular choices for young people to buy online. According to the data of Dewu APP, among the consumers of Guochao brand in the whole industry, the proportion of "post-90s" and "post-00s" users is 74%, and in Dewu APP, the proportion of "post-90s" and "post-00s" users who buy Guochao products is as high as 87%. The new generation represented by "post-90 s" and "post-00 s" is injecting new momentum into the development of Guochao brand.

　　From the pursuit of foreign brands to the rise of national tide, it is a strong proof that the quality satisfaction and brand recognition of consumer goods in China have steadily improved. In the past 10 years, China’s consumer goods industry has made positive progress in intelligent manufacturing, green manufacturing and "internet plus" collaborative manufacturing, and the personalized customization model has been widely promoted. The consistency of clothing, household appliances, shoemaking and other fields with international standards reached 95%, the qualified rate of infant formula food quality sampling remained above 99% for five consecutive years, and the total sales revenue of the top 10 household appliance brand enterprises accounted for nearly 70% of the whole industry. Sports shoes, bicycles and beauty products not only sell well in China, but also become "explosions" overseas, and the recognition of the "national tide" brand by ordinary people has been significantly improved.

　　"At present, in domestic textile and garment consumption, domestic brands occupy a dominant position, the proportion of original trend brand consumption in brand consumption has increased rapidly, and the awareness, reputation and influence of domestic textile and garment brands have continued to increase." Cao Xuejun, the first inspector of the Consumer Goods Industry Department of the Ministry of Industry and Information Technology, said.

　　Zhao Gang believes that in the past 10 years, the brand recognition of consumer goods in China has been greatly improved, which is manifested in the internationalization of brands, and brands such as Midea, Gree, Haier and Anta have become internationally renowned brands of consumer goods; High-end brands, in consumer goods industries such as household appliances, textiles and clothing, food and medicine, consumer electronics, etc., the product quality of domestic brands has been continuously improved, and the brand recognition among domestic high-end users has been continuously improved; Brand fashion, Guochao brand is becoming the fashion pursuit of emerging consumer forces.

　　The important reason behind this is that the quality of consumer goods has been greatly improved in the past 10 years. "The quality of domestic consumer goods is constantly improving, and the cost performance exceeds that of foreign brands; Product consumption experience is good, domestic brands pay attention to analyzing consumer demand, improve the level of product intelligence and personalization, and continuously improve consumer experience; With a high degree of cultural recognition, the cultural self-confidence of China enterprises has gradually improved, and the products focus on enhancing cultural connotation and advocating China culture, which has been favored by consumers all over the world. " Zhao Gang said.

　　It is understood that the Ministry of Industry and Information Technology will continue to organize the "Three Products" nationwide series of activities, create 300 "Three Products" strategic demonstration cities, cultivate 200 well-known brands with a scale of 10 billion yuan, and enhance the core competitiveness of China’s high-quality enterprises by building well-known brands, cultivating cutting-edge quality products and shaping regional brands. And fully tap the traditional cultural genes such as China culture, national characteristics, Chinese time-honored brands, enhance the influence of regional brands and added value of products, expand the supply of consumer goods with rich cultural connotations, and strive to meet the growing needs of the people for a better life. (Economic Daily reporter Huang Xin)

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

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

Stills of Goldfish in the Sea

Stills of Goldfish in the Sea

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

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

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

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

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

　　Editor’s note:On the afternoon of January 28th, 2021, General Secretary of the Supreme Leader emphasized that the new development concept is a systematic theoretical system, answered a series of theoretical and practical questions about the purpose, motivation, mode and path of development, and expounded our party’s political stance, value orientation, development model and development path on development. The whole party must implement the new development concept completely, accurately and comprehensively to ensure a good start and a good step in China’s development during the 14 th Five-Year Plan period. On January 11th, 2021, General Secretary of the Supreme Leader gave a speech at the seminar on studying and implementing the spirit of the Fifth Plenary Session of the 19th CPC Central Committee at the provincial and ministerial level, and on January 18th, 2016, General Secretary of the Supreme Leader gave a speech at the seminar on studying and implementing the spirit of the Fifth Plenary Session of the 18th CPC Central Committee at the provincial and ministerial level, all of which focused on the in-depth understanding of the new development concept. These speeches by General Secretary of the Supreme Leader are very important for everyone to implement the new development concept completely, accurately and comprehensively. Let’s watch them together!

　　Combine history and reality, and combine some major issues to understand the new development concept theoretically and macroscopically.

　　2016年1月18日，省部级主要领导干部学习贯彻十八届五中全会精神专题研讨班在中央党校开班。中共中央总书记、国家主席、中央军委主席最高领袖在开班式上发表重要讲话。新华社记者 李学仁/摄

　　创新、协调、绿色、开放、共享的发展理念，我在党的十八届五中全会和其他场合已经讲了不少，今天不从抓工作的角度全面讲了，而是结合历史和现实，结合一些重大问题，从理论上、宏观上讲讲。

　　——2016年1月18日在省部级主要领导干部学习贯彻党的十八届五中全会精神专题研讨班上的讲话

　　要着力实施创新驱动发展战略。抓住了创新，就抓住了牵动经济社会发展全局的“牛鼻子”。抓创新就是抓发展，谋创新就是谋未来。我们必须把发展基点放在创新上，通过创新培育发展新动力、塑造更多发挥先发优势的引领型发展，做到人有我有、人有我强、人强我优。

　　要着力增强发展的整体性协调性。协调既是发展手段又是发展目标，同时还是评价发展的标准和尺度，是发展两点论和重点论的统一，是发展平衡和不平衡的统一，是发展短板和潜力的统一。我们要学会运用辩证法，处理好局部和全局、当前和长远、重点和非重点的关系，着力推动区域协调发展、城乡协调发展、物质文明和精神文明协调发展，推动经济建设和国防建设融合发展。

　　Efforts should be made to promote the harmonious coexistence between man and nature. There is no substitute for the ecological environment. If you don’t feel it, it will be difficult to survive. It is necessary to establish an overall view, a long-term view and a holistic view, adhere to the basic national policy of saving resources and protecting the environment, protect the ecological environment like eyes, treat the ecological environment like life, promote the formation of a green development mode and lifestyle, and work together to promote people’s prosperity, country’s prosperity and China’s beauty.

　　Efforts should be made to form a new system of opening to the outside world. We must actively conform to the trend of economic globalization, persist in opening to the outside world, and make full use of advanced scientific and technological achievements and beneficial management experience created by human society. We should constantly explore and practice, improve our consciousness and ability to grasp the overall situation at home and abroad, and improve the quality and level of opening up.

　　We should focus on practicing the people-centered development thought. People-centered development thought is not an abstract and abstruse concept. It can’t just stay in words and stop at ideological links, but should be reflected in all aspects of economic and social development. Our country is in and will be in the primary stage of socialism for a long time. We should try our best to do what we can according to the existing conditions, accumulate small victories for great victories, and keep moving towards the goal of common prosperity for all people.

　　——2016年1月18日在省部级主要领导干部学习贯彻党的十八届五中全会精神专题研讨班上的讲话

　　新发展理念是一个系统的理论体系，全党必须完整准确全面贯彻新发展理念

　　2021年1月11日，省部级主要领导干部学习贯彻党的十九届五中全会精神专题研讨班在中央党校（国家行政学院）开班。中共中央总书记、国家主席、中央军委主席最高领袖在开班式上发表重要讲话。新华社记者 鞠鹏/摄

　　我们党领导人民治国理政，很重要的一个方面就是要回答好实现什么样的发展、怎样实现发展这个重大问题。理念是行动的先导，一定的发展实践都是由一定的发展理念来引领的。发展理念是否对头，从根本上决定着发展成效乃至成败。党的十八大以来，我们党对经济形势进行科学判断，对经济社会发展提出了许多重大理论和理念，对发展理念和思路作出及时调整，其中新发展理念是最重要、最主要的，引导我国经济发展取得了历史性成就、发生了历史性变革。新发展理念是一个系统的理论体系，回答了关于发展的目的、动力、方式、路径等一系列理论和实践问题，阐明了我们党关于发展的政治立场、价值导向、发展模式、发展道路等重大政治问题。

　　— — On January 11th, 2021, he delivered a speech at the opening ceremony of the seminar for leading cadres at the provincial and ministerial levels to study and implement the spirit of the Fifth Plenary Session of the 19th CPC Central Committee.

　　The whole party must implement the new development concept completely, accurately and comprehensively. First, grasp the new development concept from the fundamental purpose. The people are the deepest foundation and the greatest confidence of our party in power. Seeking happiness for the people and rejuvenation for the nation is not only the starting point and foothold of our party’s leadership in modernization, but also the "root" and "soul" of the new development concept. Only by adhering to the people-centered development thought, insisting that development is for the people, development depends on the people, and development results are shared by the people, can we have a correct concept of development and modernization. Achieving common prosperity is not only an economic issue, but also a major political issue related to the party’s ruling foundation. It is necessary to make overall consideration of needs and possibilities, step by step in accordance with the laws of economic and social development, consciously and actively solve problems such as regional disparities, urban-rural disparities, and income disparities, and constantly enhance people’s sense of acquisition, happiness, and security. The second is to grasp the new development concept from the problem orientation. China’s development has stood at a new historical starting point. According to the new requirements of the new development stage, we should adhere to the problem orientation and implement the new development concept more accurately. The measures should be more precise and pragmatic, effectively solve the problem of insufficient development imbalance and truly achieve high-quality development. The third is to grasp the new development concept from the sense of hardship. With the changes of major social contradictions in China and the profound adjustment of international forces, we must enhance our sense of hardship, adhere to the bottom line thinking, and be ready to deal with more complicated and difficult situations at any time. We should adhere to the organic unity of political security, people’s security and the supremacy of national interests, not only dare to struggle,We should also be good at fighting and strengthen ourselves in an all-round way.

　　— — On January 11th, 2021, he delivered a speech at the opening ceremony of the seminar for leading cadres at the provincial and ministerial levels to study and implement the spirit of the Fifth Plenary Session of the 19th CPC Central Committee.

　　Carry out the new development concept completely, accurately and comprehensively, and ensure a good start in China’s development during the 14 th Five-Year Plan period

　　The new development concept is a whole, insisting on innovative development, coordinated development, green development, open development and shared development. The whole party and the whole country should unify their thinking, coordinate their actions and forge ahead. Whether at the central or departmental level, whether at the provincial level or below, we must fully grasp, accurately understand and fully implement the new development concept in the whole process of economic and social development and in all fields. It is necessary to grasp the main aspects of major contradictions and contradictions, effectively solve outstanding problems that affect the construction of a new development pattern and the realization of high-quality development, and effectively solve outstanding problems that affect the production and life of the people. Innovative development, coordinated development, green development, open development and shared development should all be paid attention to in the work, so that they can work together to form a joint force, and they should not be biased and biased. From the central level, it is necessary to give guidance to the whole party and the whole country in terms of planning and design, macro guidance, policies and laws, financial investment, work arrangements, etc., grasp key links, promote the overall level of implementing the new development concept through key breakthroughs, and continuously improve the ability and level of the whole party and the whole country to implement the new development concept. All departments should not only do a good job in the key work related to the new development concept according to their own responsibilities, but also comprehensively consider the role and influence of the work of this department on the implementation of the new development concept by the whole party and the whole country. According to their own conditions and possibilities, all regions should fully implement the new development concept, and grasp the shortcomings and weaknesses to focus on promoting it. They should not be divorced from reality, let alone do everything in order to achieve political achievements regardless of conditions.

　　— — Speech on January 28th, 2021 at the 27th collective study of the 19th CPC the Political Bureau of the Central Committee.

　　In the new development stage, we must pay more attention to the issue of common prosperity in order to implement the new development concept completely, accurately and comprehensively. The Fifth Plenary Session of the 19th CPC Central Committee planned common prosperity towards a further goal, and put forward the goal that "all people have made more obvious substantive progress in common prosperity". Common prosperity itself is an important goal of socialist modernization.

　　To implement the new development concept completely, accurately and comprehensively, we should not only lead the comprehensive deepening reform under the guidance of the new development concept, but also provide institutional and institutional guarantee for the complete, accurate and comprehensive implementation of the new development concept through deepening reform. Since the Third Plenary Session of the Eighteenth Central Committee of the Communist Party of China, the main framework of China’s major areas of reform has been basically established. Now, we should focus on implementing the new development concept completely, accurately and comprehensively, and strengthen system integration and precise policy.

　　To implement the new development concept completely, accurately and comprehensively, we must adhere to the system concept, coordinate the two overall situations at home and abroad, coordinate the "five in one" overall layout and the "four comprehensive" strategic layout, and strengthen forward-looking thinking, overall planning, strategic layout and overall promotion.

　　Implementing the new development concept completely, accurately and comprehensively is a work requirement of economic and social development and a very important political requirement. The more complicated the situation and arduous the task, the more we must adhere to the overall leadership of the Party and the centralized and unified leadership of the CPC Central Committee, and the more we must implement the requirements of the CPC Central Committee on implementing the new development concept in our work. Only by standing on the political level can we have a more thorough understanding of the major policies and decision-making arrangements of the CPC Central Committee and be more predictable and proactive in our work.

　　— — Speech on January 28th, 2021 at the 27th collective study of the 19th CPC the Political Bureau of the Central Committee.

　　On December 6th, China Academy of Social Sciences held the 2022 "Blue Book of Economy" conference and China Economic Situation Report. It was introduced at the meeting that at present, the whole country is thoroughly studying and implementing the spirit of the Sixth Plenary Session of the 19th CPC Central Committee. The purpose of this conference is to analyze the current economic situation, grasp the new development stage more completely, accurately and comprehensively, implement the new development concept, build a new development pattern, exchange ideas and study countermeasures, and serve the economic work next year. 2021 is the first year of the "14th Five-Year Plan". Facing the complicated and changeable external environment and the new situation of sporadic epidemic, the CPC Central Committee with the Supreme Leader as the core adheres to the general tone of striving for progress while maintaining stability. On the one hand, it does a good job in epidemic prevention and control, effectively promotes vaccination, and creates a good environment for economic and social development. On the other hand, it will promote the sustained recovery of the economy in a more stable and balanced direction and ensure that the economy operates in a reasonable range. In the first three quarters, China’s economy showed a good recovery trend, and new achievements were made in high-quality economic development and structural transformation and upgrading, laying a good foundation for realizing the expected goal of economic development in the 14 th Five-Year Plan.

First, the economic growth rate continues to maintain a leading position in major economies. In 2021, the actual growth rate of China’s GDP is expected to reach about 8%, exceeding the expected target, and will also be higher than most other major economies in the world.

Second, the overall employment situation is stable. The annual target of new employment in cities and towns was achieved ahead of schedule, and the survey unemployment rate remained within the expected target.

Third, the leading role of scientific and technological innovation support has been enhanced. China’s ranking in the WIPO Global Innovation Index rose to 12th place, achieving nine consecutive rises since 2013.

Fourth, the business environment continued to improve, and the vitality of market players was significantly enhanced. In 2021, new policies such as financial concession and phased tax deferral will continue to stimulate and protect the vitality of market players.

Fifth, economic and social development began a comprehensive green transformation. Vigorously promote energy conservation and carbon reduction in key industries, solidly promote the construction of a green and low-carbon circular economy system, and issue an implementation plan on doing a good job in carbon neutrality in peak carbon dioxide emissions.

Sixth, a series of measures to deepen reform and open wider to the outside world came into effect. Reform and opening-up continued to deepen, and imports and exports maintained rapid growth. China also actively supplied vaccines to countries in need, donated anti-epidemic materials, and supported the international community in fighting the epidemic.

At the same time, we should also be soberly aware that there are still some problems and challenges in China’s current economic operation, which need to be studied emphatically and dealt with properly.

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

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

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

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

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

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

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

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

　　Step 7: Enter the application certificate information.

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

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

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

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

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

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

　　Step 4: Enter the application certificate information.

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

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

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

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

　　Step 2: Click [Application for Skills Upgrading Subsidy]

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

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

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

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

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

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

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

　　At present, some merchants often have the following routines on the issue of automatic renewal: one is that automatic renewal has become the default option; The other is that merchants restrict consumers’ choices; Another is to induce consumers to join the continuous monthly agreement under the guise of free trial or 1 cent experience for 30 days.

　　Relevant scholars pointed out that the problem of automatic renewal of monthly subscription is widespread, indicating that the regulatory authorities have not done a good job of supervision beforehand and afterwards. Prior supervision should remind merchants to inform consumers in a clear and eye-catching form, and consumers are free to choose; After-the-fact supervision is to supervise and even punish the merchants in time after the consumers’ rights and interests are infringed.

　　—————

　　"Meat hurts! Finally, I know why my money has disappeared one after another, all because of various softwares that automatically renew the monthly subscription. " Ms. Wang from Huzhou, Zhejiang Province saw a pile of debit records of bank cards, only to remember that she had forgotten to cancel all kinds of automatic renewal packages opened before.

　　Nowadays, merchants often offer various monthly and annual service packages, but many consumers may fall into the consumption trap of "being automatically renewed" if they are not careful. In 2019, CCTV conducted a survey on 50 popular paid software, and found that more than 70% of them had the function of automatic renewal, and many of them were suspected of fooling users into automatic renewal.

　　In May this year, Mr. Chen of Nanning opened a VIP film and television member in 15 yuan for a monthly subscription on TV. When it was opened, he didn’t notice the prompt of automatic renewal of this package. It was not until the next month when he paid the telephone bill that Mr. Chen found that he had deducted a sum of money inexplicably. He contacted the customer service of the mobile phone operator, only to find that this video package is still charging. What makes Mr. Chen laugh and cry is that when the renewal fee is cancelled, the order information shows that the continuous monthly subscription is valid until December 31, 1999. "Fortunately, I found it early, otherwise I will not be alive after 79 years, and this money has to be paid."

　　"When Mr. Chen opened the monthly film and television membership in 15 yuan, he did not show that the automatic renewal time was 2099, so this contract period is not binding on Mr. Chen." Lawyer Wu Lichuan of Beijing Jingshi Law Firm said that for general contracts, although the law does not stipulate the upper limit of the contract performance period, the feasibility of contract performance should also be considered. If the contract can no longer be performed or continues to be performed in obviously unfair in the future, the parties may request to modify or terminate the contract.

　　Mr. Chen told reporters that he chose the default option when he opened a member on the App. It was not until he was deducted that he learned that he had ordered an automatic renewal package, which made him feel that his right to know as a consumer had been violated. "I think monthly subscription means one month. If you want to continue to use it next month, you should order it again. The initiative should be with consumers; Now it is the other way around. I ordered a service, which is equivalent to signing an indefinite contract, and the initiative is in the business. " Mr. Chen said.

　　The reporter’s investigation found that some businesses often have the following routines on the issue of automatic renewal: one is that automatic renewal becomes the default option. For example, VIP users who purchase a certain video software will automatically check the continuous monthly subscription, but the font prompting automatic renewal is very small. The other is that merchants restrict consumers’ choices. For example, when opening a video App member, there are only two packages in the interface, namely "continuous monthly VIP" and "semi-annual VIP", and there are no other options for monthly subscription and annual subscription, which means that if you don’t want to open a semi-annual VIP with more fees, you can only choose the "continuous monthly VIP" with automatic renewal. Another is to induce consumers to join the continuous monthly subscription agreement under the guise of free trial or 1 cent experience for 30 days. As long as users download the App or agree to open this service, it is equivalent to agreeing to the terms of the agreement. After the end of the free trial period, they will be deducted unconsciously.

　　What makes some consumers feel confused and annoyed is that it is easy to open automatic renewal, but when you want to cancel it, the procedure is much more complicated.

　　Mr. Lao, a 66-year-old citizen of Nanning, signed a one-year GPS service with a bound mobile phone number when he bought an electric car in 2017. "The contract says one year, and I handed it over to 180 yuan." Mr. Lao said that the contract did not mention that the fee would be automatically renewed, and the staff also promised that "if I don’t serve you, it will be automatically broken."

　　After that, Mr. Lao was hospitalized because of illness, so he didn’t pay attention to the follow-up charges of this service. Until the beginning of this year, he inadvertently found that the GPS service was still being charged from many unread short messages on his mobile phone, and he took his ID card to the communication business hall to request the cancellation of the GPS short message notification service and automatic renewal service. The staff verbally promised that it could be cancelled and would help handle it.

　　Who knows that four months later, in July this year, Mr. Lao received a short message of charge deduction, and he once again came to the communication business hall to communicate. "From the salesman to the director, I found three people and said that I couldn’t handle it. The director said that he didn’t know. I have to talk to the person who signed a GPS contract to sell electric cars. They are communication service providers, just deduct money, no matter stop charging."

　　Mr. Lao went to the merchant who bought the electric car that year, but when he went to the store, it was closed, and the merchant’s phone was disconnected. In desperation, Mr. Lao had to turn to the media for help. After exposure by local media and communication with reporters, the communication operator finally canceled Mr. Lao’s GPS service fee.

　　In the view of lawyer Wu Lichuan, this sales model of merchants is suspected of infringing on the legitimate rights and interests of consumers. Consumer protection law gives consumers the right to know and choose. Before providing confidential payment and automatic renewal service, merchants need to truthfully inform consumers of the contents, methods and fees of the service and obtain the consent of consumers. If merchants check this function for consumers by default, it is undoubtedly depriving consumers of the right to know and choose, which is illegal. The e-commerce law also explicitly prohibits "default tying" and severely punishes it.

　　"Secondly, merchants have the obligation to prompt and explain the terms of the format contract." According to the legend of Wu Li, Article 26 of the Law on the Protection of Consumers’ Rights and Interests stipulates that operators who use standard clauses in their business activities should draw consumers’ attention to the quantity and quality, price or expenses, time limit and method of performance, safety precautions, risk warning, after-sales service, civil liability and other matters of great interest to consumers in a significant way, and explain them according to consumers’ requirements. "The terms of service of online platforms usually belong to format contracts, and merchants are obliged to remind consumers of the key contents and explain them, otherwise these terms will be invalid to consumers." Legend of Wu Li.

　　With the increasing popularity of the marketing routine of automatic monthly renewal, there are more and more consumer complaints, and some institutions have begun to pay attention to this issue. On April 8th this year, Zhejiang Consumer Rights Protection Committee will interview the video and audio websites with problems and put forward nine rectification opinions based on the previous experience of members of 11 video and audio platforms, such as iQiyi, Tencent Video, Youku and Himalaya, including the failure to remind the automatic renewal fee deduction, the default check of automatic renewal fee, and the difficulty in canceling the opening.

　　As of April 17th this year, 11 video and audio websites, including iQiyi and Tencent Video, have sent rectification reply letters to Zhejiang Consumer Protection Committee. As for the problem that the automatic renewal fee deduction has not been reminded, 11 video and audio websites said that consumers who purchase continuous monthly, quarterly and annual subscriptions will receive tips sent by the website through on-site messages, SMS and WeChat before the deduction.

　　The reporter recently opened the App query of these audio websites and found that most of them canceled the default automatic renewal function. Youku VIP membership agreement describes the continuous package/automatic renewal service in detail, and its message center also has reminders of membership expiration and automatic renewal fee deduction. Dragonfly FM is informed by the news in the station 3 days in advance and by SMS 1 ~ 2 days in advance, and sends out multi-channel and multi-frequency deduction information.

　　However, some relatively small network service providers still have many irregularities. This month, Mr. Zhang from Shandong was "renewed" for 258 yuan on a mobile phone scanner without knowing it.

　　According to Liu Xunzhi, an associate professor at the Law School of Guangxi Normal University, the problem of automatic monthly renewal is widespread, indicating that the regulatory authorities have not done a good job of supervision before and after. Prior supervision should remind merchants to inform consumers in a clear and eye-catching form, and consumers are free to choose; After-the-fact supervision is to supervise and even punish the merchants in time after the consumers’ rights and interests are infringed.

　　Liu Xunzhi believes that the interview of Zhejiang Consumer Protection Committee is not the supervision and management of administrative organs, and it has no strong binding force. "It should be supervised by market supervision and management departments and industry and information departments, and a joint disciplinary mechanism should be established, such as a blacklist system, for businesses that illegally operate and infringe on consumers’ rights and interests. Conduct necessary credit punishment. With strong supervision, such illegal phenomena that infringe on consumers’ rights and interests will be gradually eliminated. "

　　Zhongqingbao Zhongqingwang reporter Xie Yang intern Xie Lvrong

　　[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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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.)