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

Click to enter the Shanghai auto show topic > >

Every reporter Yi Wangqi Qijiang

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

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

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

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

Cartography: Zou Li

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

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

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

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

● March 2016

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

● April 2017

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

● September 2017

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

… …

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

● May 2016

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

● April 2017

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

● May 2017

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

● September 6, 2017

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

● December 2017

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

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

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

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

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

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

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

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

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

There are many reasons for the low enthusiasm of banks:

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

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

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

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

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

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

● June 2009

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

● Beginning in 2014

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

● August 24, 2016

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

● 2018

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

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

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

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

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

Image source: Photo courtesy of test students

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

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

Image source: Photo courtesy of test students

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

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

Image source: Photo courtesy of test students

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

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

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

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

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

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

Is the fact really as argued by Flash Silver?

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

Image source: Photo courtesy of test students

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

Image source: Photo courtesy of test students

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

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

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

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

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

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

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

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

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

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

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

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

Image source: Photo courtesy of test students

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

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

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

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

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

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

Is the fact really as described in the auction loan?

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

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

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

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

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

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

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

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

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

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

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

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

Image source: Photo courtesy of test students

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

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

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

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

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

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

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

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

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

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

Image source: Photo courtesy of test students

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

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

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

● Li Lingpeng, lawyer of Sichuan Landmark Law Firm:

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

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

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

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

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

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

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

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

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

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

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

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

Image source: 51 character official website screenshot

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

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

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

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

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

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

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

Cover image source: Photo Network

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

　　The time for volunteering is July 5-July 9.

　　The Central Committee of the Communist Party of China’s Resolution on the Great Achievements and Historical Experience of the Party’s Hundred Years’ Struggle, adopted by the Sixth Plenary Session of the 19th CPC Central Committee, systematically summarized the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era, and emphasized speeding up the construction of a new development pattern with the domestic big cycle as the main body and the domestic and international double cycles promoting each other. This is a major strategic plan made by the CPC Central Committee with a view to achieving the goal of the second century, coordinating the overall strategic situation of the great rejuvenation of the Chinese nation and the unprecedented changes in the world in the past century, and according to the changes in China’s development stage, environment and conditions. It is a major strategic task that has a bearing on China’s overall development, and it should be accurately grasped and actively promoted from a historical and overall perspective.

　　Accelerating the construction of a new development pattern is an important strategic choice to achieve the goal of the second century.

　　The development pattern of a country is always formed under the influence of certain times background, internal and external environment, development conditions and other factors, and it also affects and shapes the overall situation of national development. Since the founding of our party 100 years ago, it has led the people to carry out the great cause of revolution, construction and reform, formed a development pattern adapted to the requirements of different historical stages, and achieved a series of major achievements and valuable experience.

　　During the period of new-democratic revolution, our Party led the people in the anti-imperialist and anti-feudal revolutionary struggle, explored and implemented economic policies such as land reform, rent reduction and interest reduction, and industrial and commercial development according to the reality of different stages, fully mobilized the revolutionary and production enthusiasm of the broad masses of working people, created economic forces to support the victory of the revolution, formed a development pattern in which revolution and production promoted each other, and laid a material foundation for the success of the revolution.

　　After the founding of New China, our party led the people to carry out the socialist revolution, established the basic socialist system, promoted socialist construction, realized the most extensive and profound social changes in the history of the Chinese nation, and realized the great leap of a poor and populous eastern country into a socialist society. During this period, faced with the economic blockade of western countries, China chose an independent and self-reliant development path, established an independent and relatively complete industrial system and national economic system, and formed a development pattern with domestic circulation as the mainstay and basic self-sufficiency.

　　After the Third Plenary Session of the Eleventh Central Committee of the Communist Party of China, our party United and led the people to carry out the new great revolution of reform and opening up, emancipated their minds, forged ahead, created, adhered to, defended and developed Socialism with Chinese characteristics, and made China catch up with the times in great strides. During this period, the CPC Central Committee accurately judged the general trend of the world, vigorously promoted the reform of the economic system, and constantly opened up to the outside world, gradually forming an export-oriented development model with "two ends outside" in the market and resources. Especially after joining the WTO in 2001, China has actively integrated into the process of economic globalization, developed into a "world factory", formed a development pattern dominated by the international cycle, achieved rapid economic development, significantly improved people’s lives, and greatly enhanced comprehensive national strength. In 2008, in the face of the severe impact of the international financial crisis, we implemented the strategy of expanding domestic demand, and the pulling effect of domestic demand on economic development increased significantly. China’s development pattern began to evolve from the international cycle to the domestic cycle.

　　Since the 18th National Congress of the Communist Party of China, Socialism with Chinese characteristics has entered a new era, and historic achievements and changes have taken place in the cause of the Party and the country. After building a well-off society in an all-round way, we have embarked on a new journey of building a socialist modern country in an all-round way, which indicates that China has entered a new stage of development. At this stage, the world’s unprecedented great changes have accelerated its evolution, the conditions of domestic production factors, demand structure and supply structure have undergone profound changes, and problems such as the "bottleneck" of key core technologies and the supply security of important energy resources have become prominent. In particular, the global epidemic of COVID-19 epidemic has further exposed the potential risks faced by the global industrial chain supply chain. Facing the severe and complicated external environment and profound internal development conditions, General Secretary of the Supreme Leader pointed out that it is necessary to accurately recognize change, respond scientifically and take the initiative to seek change; Improve the strategic layout, turn crises into opportunities and achieve high-quality development; Construct a new development pattern with the domestic big cycle as the main body and the domestic and international double cycles promoting each other. From the international comparison, the remarkable characteristics of the big country’s economy are that domestic demand is dominant and internal circulation is possible. China, as the second largest economy and the largest manufacturing country in the world, relies on the advantages of domestic big market to fully tap the potential of domestic demand and build a dual-cycle development pattern with domestic big cycle as the main body, which is conducive to resolving the impact of external shocks and shrinking external demand, ensuring the basic normal operation of China’s economy and overall stability of the overall social situation in extreme cases, and ensuring the smooth realization of the goal of the second century.

　　To speed up the construction of a new development pattern, we must correctly handle several major relations.

　　To speed up the construction of a new development pattern, we should correctly handle some major relations in our understanding and work, make clear what the new development pattern is and what it is not, and prevent it from being distorted in implementation.

　　Correctly handle the relationship between domestic circulation and international circulation. Building a new development pattern has profound theoretical and practical connotations. The first is "circulation". The operation of the national economy is a cycle-by-cycle, continuous reciprocating process. The key is that the supply side should be smooth, and the upstream and downstream industries, production, supply and marketing, agricultural manufacturing services, energy resources and other systems and departments can be coordinated, efficient and smooth. The second is the "big domestic cycle". This is the "main body" of the national economic cycle. We should adhere to the strategy of expanding domestic demand, build a strong domestic market, effectively release the potential of domestic demand, and make production, distribution, circulation and consumption rely more on the domestic market to form a new internal and external balance. The third is "domestic and international double circulation". It is necessary to maintain the openness of the national economic cycle and open up the blocking point of the domestic and international dual cycle so that the two cycles can promote each other and complement each other. Looking forward to the future, in China’s national economic cycle, the proportion of international cycle may not be as high as before, but its absolute scale will continue to expand, its position in the global industrial division of labor will gradually rise, its role in promoting the quality of domestic cycle will be more prominent, its impact on the world economy will continue to increase, and the development opportunities brought to countries will continue to increase.

　　Correctly handle the relationship between the overall construction of the domestic grand cycle and local participation in the domestic grand cycle. Taking the domestic macro-cycle as the main body is aimed at the whole country, and based on the unified national market, it is not required that all localities engage in self-cycle within provinces, cities and counties. All regions should identify their own positioning and comparative advantages in the new development pattern, organically link the construction of the new development pattern with the implementation of regional major strategies, regional coordinated development strategies, main functional area strategies, and the construction of free trade pilot zones, and must not engage in local protection and "small but comprehensive" in the name of "internal circulation". It is necessary to further break down the barriers of local protection and market segmentation, jointly build a unified national market with high efficiency, standardization and fair competition, and demonstrate the competitive advantages of enterprises in various industries in various regions by actively participating in the domestic and international double cycle.

　　Correctly handle the relationship between supply-side structural reform and demand-side management. China’s economic development environment and comparative advantage have changed obviously, the old combination of production functions is difficult to sustain, and innovation plays a prominent role in the combination of production factors. To build a new development pattern, we must adhere to the supply-side structural reform as the main line, implement the requirements of consolidation, enhancement, promotion and smoothness, eliminate technical bottlenecks, open up circulation blockages, and form a more efficient and quality input-output relationship. We should make good use of China’s huge domestic demand potential, build a strong industrial chain supply chain with strong domestic market support, enhance the adaptability between supply and demand, and promote the continuous expansion and qualitative improvement of the national economic cycle.

　　Correctly handle the relationship between self-reliance and open cooperation. Scientific and technological innovation is the basic element to support national modernization. Historical experience shows that if the late-developing countries don’t want to be stuck in the low-end value chain of the industrial chain and stagnate, they must firmly promote self-reliance in science and technology and enhance the independent and controllable ability of the industrial chain supply chain. At the same time, self-reliance is by no means a return to traditional self-sufficiency, and it never means doing everything by yourself. We should always adhere to the basic national policy of opening to the outside world, actively participate in international division of labor and cooperation, and actively embed ourselves into the global value chain innovation chain in combination with our own advantages, so as to form a pattern of interests in which you have me and I have you.

　　Correctly handle the relationship between development and security. The important focus and foothold of building a new development pattern is to achieve safe development and ensure the steady and far-reaching socialist modernization. Security is the premise of development, and development is the guarantee of security. We must persist in running our own affairs well, base ourselves on domestic high-quality development, provide stronger material support for national security with growing comprehensive strength, and realize active security and dynamic security. We must earnestly enhance our sense of hardship, adhere to the bottom line thinking, focus on preventing and resolving all kinds of major risks, and ensure that systematic risks do not occur.

　　Key measures must be taken to accelerate the construction of a new development pattern

　　Building a new development pattern is a systematic project and a dynamic evolution process. It is necessary to give full play to the economic advantages and human resources advantages of a big country, highlight key points, grasp the key points, and build a "four beams and eight pillars" of a new development pattern to provide strong support for promoting high-quality development and building a socialist modern country in an all-round way.

　　Promote self-reliance and self-improvement through science and technology. Give full play to the advantages of the new national system under the conditions of socialist market economy, strengthen the national strategic scientific and technological strength, pool superior resources, and focus on solving major problems that restrict national development and security. Improve the system and mechanism of scientific and technological innovation, promote the reform of scientific research project management and evaluation system, vigorously and orderly promote the system and mechanism of "revealing the list and taking the lead" in tackling innovative problems, clarify the road map, timetable and responsibility system, and continuously make new breakthroughs in key core technologies. Give full play to the main role of technological innovation of enterprises, strengthen the connection between innovation chain and industrial chain, improve the financial support innovation system, and greatly improve the transformation effect of scientific research achievements. Adhere to open cooperation, attract global high-quality scientific and technological innovation resources, build a big stage for global scientific and technological open cooperation, and accelerate the construction of world-class talent centers and innovative highlands.

　　Build a strong and resilient industrial chain supply chain. Complement shortcomings and strong and weak items, focus on weak links such as core basic parts and components, advanced basic technology, key basic materials, industrial technology foundation, and basic software, increase support through multiple channels, speed up the short-board supply chain of the industrial chain, and build a self-controllable, safe and reliable domestic production and supply system. Forging a long board, based on China’s market advantages, industrial advantages, supporting advantages and first-Mover advantages in some fields, will continue to enhance the industrial advantages in the fields of 5G and high-speed rail, tighten the interdependence of domestic and international industrial chains, and form a strong bargaining game ability. Strengthen overall planning, optimize industrial layout, prevent redundant construction, and achieve a national chess game. Promote the formation of international consensus and norms to safeguard the security of the global industrial chain supply chain and eliminate the interference of non-economic factors.

　　Firmly implement the strategy of expanding domestic demand. Accelerate the cultivation of a complete domestic demand system, establish an effective system to expand domestic demand, and promote the dynamic balance between total supply and total demand at a higher level. Efforts will be made to expand household consumption, promote the upgrading and expansion of traditional consumption, accelerate the growth of new consumption, and enhance the consumption structure of residents. Give play to the key role of investment in optimizing the supply structure, support enterprises to increase investment in equipment renewal and technological transformation, and play a good role in guiding and inciting government investment. Optimize the income distribution pattern, expand middle-income groups, solidly promote common prosperity, and better support the virtuous circle of supply and demand. Accelerate the establishment of a high-standard market system, remove institutional and institutional obstacles that hinder the market-oriented allocation of production factors and the circulation of goods and services, improve fair competition review, strengthen anti-monopoly regulation, and improve the efficiency of market allocation of resources and economic cycle.

　　Open to the outside world at a high level. We will improve the market-oriented and legalized international business environment, continue to deepen the mobile opening of goods, services and other factors, enhance the comprehensive competitiveness of foreign trade, and raise the level of two-way investment. We will steadily expand institutional openness such as rules, regulations, management and standards, promote the high-quality development of the "Belt and Road" and build a new pattern of international economic and trade cooperation. Attach importance to actively participating in international circulation to improve the efficiency and level of domestic circulation, improve the quality and allocation level of production factors in China, enhance the competitiveness of export products and services, promote industrial transformation and upgrading, and enhance its position and influence in the global industrial chain supply chain innovation chain. Deepen bilateral, multilateral and regional cooperation, build a global high-standard free trade zone network, safeguard the multilateral trading system, and actively participate in the reform of the global economic governance system.

　　Strengthen the system and policy guarantee of safe development. We will implement the overall national security concept, run security development through the whole process and all fields of building a new development pattern, and form a comprehensive and reliable development security system. Strengthen cross-cycle policy design and countercyclical adjustment, attach importance to expected management, maintain macroeconomic stability, and prevent ups and downs. Keep pace with the times, improve financial supervision and market supervision, prevent the disorderly expansion of capital, avoid the moral hazard of "too big to fail" and guard against the risk of abnormal cross-border capital flow. Strengthen the supply security of grain and energy resources, realize diversified multi-channel imports, and strengthen the construction of the reserve system. We will implement the safety review measures for foreign investment and effectively safeguard national economic security in opening wider to the outside world.

　　People’s Daily (December 10, 2021, 09 edition)

　　[New Car Illustration] The name Spyker is extremely strange to most Chinese people, and it can’t be associated with anything. To tell the truth, before that, I only had a superficial understanding of Spyker. In my impression, Spyker brand has a long history but has disappeared for more than half a century. After the resurrection of the 21st century, it launched a classic legendary model, which was hand-built and designed uniquely, which seemed out of place among a group of super-runners who took pleasure in challenging the speed limit. Some time ago, Spyker exhibition hall of Spyker settled in Shanghai, and besides C8 Aileron, a new generation GT sports car of Spyker, there is also the spyker C8 Spyder collector’s edition that we actually shot today.

　　According to Spyker China, the current starting price of this model is about 3.8 million yuan, but usually the final price of the car owner after adding some personalized options is far more than that. The most difference between this model and the ordinary version of spyker C8 Spyder is the bright silver body. Since there happens to be a car in the shop, let’s show it to you through simple real shots. Of course, let’s review Spyker’s long history before entering the real shot.

More related links-

SPYKER Shanghai Exhibition Center officially settled in Xintiandi.
//www.autohome.com.cn/news/201106/211022.html

---

■ Spyker History Review

　　In 1898, two Dutch carriage manufacturers, JACOBUS and HENDRIK-JAN)· SPIJKER, built their first car with an engine in Amsterdam. In the same year, in order to present the upcoming coronation ceremony of Wilhelmina, Beatrix Wilhelmina Armgard, Spijker made the famous golden ceremony carriage, which was also used in various celebrations in the Netherlands in the 21st century.

　　In order to better adapt to foreign markets, they changed the "ij" in the middle of Spijker to "Y" and changed the company name to SPYKER. Spyker’s first car was officially launched in 1900, equipped with twin-cylinder 3hp and 5hp engines provided by Ben Ci. In 1903, Spyker 60 HP, which was extremely advanced at that time, was introduced. This is the world’s first car with six engines, constant four-wheel drive and four-wheel brake.

In 1907, the legendary SPYKER 14/18 HP passed through Moscow in the "Beijing-Paris Rally".

　　Before the First World War, the demand for luxury cars in the world began to decline. Nevertheless, Spyker successfully participated in the Beijing-Paris Rally in 1907 with its 18hp model and won the second place.

SPYKER 60 HP in 1903, the world’s first six-cylinder four-wheel drive car.

Spyker IV is the first plane designed entirely by Spyker, which uses a quick engine.

　　In 1914, SPYKER merged with Dutch Aircraft Manufacturing Co., Ltd. and began to develop and produce aircraft. During the World War II, Spyker Company produced 100 fighter planes and 200 aero engines.

　　In 1915, Spyker put forward the slogan of "persistent, strong and unimpeded", which has been used ever since. At the same time, a new company logo was introduced, which is the spoke wheel that we are familiar with later.

　　In 1922, Spyker introduced the simplified model 13/30 C1, but the sales volume was disappointing and fell into the edge. Although it continued to produce and sell at a reduced price, its business still plummeted. Until all the funds were exhausted in 1926, its final products were C2 two-ton trucks and C4 cars. The early Spyker Company produced and manufactured more than 2,000 cars.

"Spyker factory after rebirth"

　　In 2000, 75 years after the original company disappeared, Spyker regained its vitality. The new Spyker Automobile Company was founded in 1999 by Dutch businessmen Victor Muller and Maarten de Bruijn. Since 2000, we have been specialized in producing high-end sports cars, such as C8 and C8 Laviolette.

　　In 2009, Spyker planned to buy cars from General Motors, and reached an acquisition agreement on January 26th, 2010. The combination of Spyker and Saab makes Spyker Automobile Co., Ltd. an automobile enterprise that participates in the global automobile industry competition, in addition to the brand essence of aviation technology inheritance and unique and bold design shared by the two brands.

■ Motor racing

　　On September 9th, 2006, Spyker bought the Midland F1 team from Russian businessman Alex Shnaider. Spyker paid $106 million to transform it into Spyker F1 team and participated in the last three races of the 2006 season. As part of the transaction, the original car changed its painting in the last three races to participate in the competition.

　　Spyker Team Spyker Team is a competition team directly under the factory, participating in competitions such as Le Mans 24 Hours, Le Mans Series, FIA GT Championship and Cyberling 12 Hours. Spyker also provides racing cars for Spyker dealers in Switzerland and participates in various automobile competitions under the name of Spyker.

■ Spyker in the movie

Instinct 2

Ranger

　　If you have seen the action movie "Ranger" starring Jet Li, you must remember the car of the killer with extraordinary skills-the convertible version of spyker C8 Spyder. There is also Instinct II, in which Sharon Si Tong’s sexy interpretation and the luxury and speed of super sports cars are unforgettable. Spyker adds a lot of color to the two films.

　　Faced with increasingly stringent fuel consumption and emission requirements, the production of new energy vehicles has become the most effective solution for major automobile manufacturers. Electrification will be the core strategy of Volkswagen in the next 10 years. To this end, from 2020, Volkswagen will produce pure electric vehicles on MEB platform, taking into account plug-in hybrid vehicles, and will become the main production platform for new energy vehicles. This article will show you in a simple way: what technical characteristics the Volkswagen MEB platform has, which models will be born here, and how to understand the MEB platform for consumers and even the automobile industry.

　　What you need to know about platform concept

　　From the earliest PQ platform to the current MQB modular platform production mode, Volkswagen has become the first manufacturer in the automobile industry to put forward the concept of platform. In addition, its great success in the China market has not only made it the largest automobile company in the world, but also revolutionized the entire automobile industry with the concept of platform production. Modular platform production mode can keep the convenience of product technology upgrading, and can help the public shorten the development, production and listing cycle of automobiles and reduce manufacturing costs. The universality of MQB platform saves 20% of the manufacturing cost for Volkswagen Group.

　　Under the general trend of new energy, MEB platform will be built for the production of pure electric vehicles and plug-in hybrid vehicles from 2020, and become the main production platform for Volkswagen new energy vehicles. Compared with other brands’ practice of launching a single model, it is obvious that Volkswagen intends to achieve comprehensive coverage of all levels of models. In the next five years, Volkswagen expects that the pure electric vehicles produced can account for 20%-25% of the total sales, and the return on capital of the automobile business department will be raised to over 15%. According to the official data of Volkswagen, the manufacturing cost of the first model ID.3 of MEB platform is reduced by 40% compared with the e-Golf pure electric golf of MQB platform.

　　Technical characteristics of MEB platform

　　MEB platform is called "Modular Platform for Electric Vehicles", which is short for "Modular Electrification Toolkit" in German. MEB has many similarities with the current MBQ, which is based on the concept of Volkswagen modularization, and has strong expansibility. It can build different body wheelbase and different adjustment and cruising range according to the demand and positioning, but it has its own characteristics in layout structure due to the removal of the traditional internal combustion engine and the increase of power batteries.

　　The core components of MEB platform, such as battery pack and motor, are all set with fixed positions and modes. The battery is embedded in the bottom of the vehicle as a whole, and the axle module and the transmission system module are moved forward and backward as far as possible, so that the produced vehicle has a longer wheelbase and a shorter front and rear suspension, which maximizes the space and brings more cockpit space and a higher sitting posture.

　　The most important part of the power battery, Volkswagen independently developed the design of the battery Package. The basic structure of this battery Package can be used on all MEB platform models, and the number of battery modules can be freely allocated according to the size of the models. Each module is divided into 24 groups of batteries, and the modules, together with the cooling device and the junction box of the high and low voltage vehicle system, are wrapped in aluminum casings. The power battery voltage of the original MEB platform was fixed at 408 volts, which was much higher than the 230 volts of the existing new energy vehicles on the Volkswagen MQB platform.

　　The new platform takes into account the compatibility of the current mainstream flexible battery cells and prismatic batteries, so Volkswagen has maintained a very high degree of flexibility in cooperation with battery suppliers. Taking ID.3 as an example, the battery pack can accommodate up to 12 modules, and the usable capacity exceeds 77KWh；; The initial capacity of ID. which will be listed at the end of next year can reach 83KWh, and the future Volkswagen electric flagship ID.Vizzion can even reach 111KWh.

　　MEB modular platform processing has brought about changes in production technology, and will also configure the required software systems for its models to realize digitalization, networking and fully automatic driving. At present, it can achieve high compatibility with MQB platform models, and the upcoming Golf 8 is the latest model with digital and networked equipment.

　　What models will be available under MEB platform?

　　Volkswagen Group plans to launch more than 80 new energy vehicles by 2025, including 50 pure electric vehicles and 30 plug-in hybrid vehicles. The annual sales will reach 3 million vehicles, accounting for 20%-25% of the company’s total sales. Volkswagen’s three joint ventures in China, FAW-Volkswagen, SAIC-Volkswagen and JAC-Volkswagen, will be important supports to boost sales in China market.According to the planning of Volkswagen Group, by 2022, Changchun, Qingdao, Anting, Foshan and Yizheng will each have a new energy factory.

　　In 2020, it will be the first to launch ID.3 and ID. At first sight in the domestic market, and then it will launch Audi Q4 e-tron and Skoda VISION IV production version. Among them, ID. At first sight, it will be manufactured in Shanghai Anting Factory together with brothers of Audi and Skoda. As the flagship of the family, the production version of I.D.VizzionID.5It will be the first to be listed in China in 2022. This car is positioned as a medium-sized car. Foreign media speculated that ID.5 is likely to be the successor of Volkswagen Passat.

　　Volkswagen regards ID.3 as the third groundbreaking product after Beetle and Golf. ID.3 is the first pure electric vehicle developed by Volkswagen based on MEB platform.It can be seen as a pure electric version of golf.In the future, smaller models than ID.3 will be named ID.1 and ID.2, and larger models will continue to use this naming method until ID.9. It is reported that Volkswagen has also applied for trademark protection of the letter "X", which will be used for SUV models.

　　The I.D. series has appeared in a number of concept cars, namely, ID CROZZ II, ID Vizzion and ID BUGGY concept cars, except for domestic ones.ID.3, ID. Beyond the first sight,There will be many models in the I.D. series, among which the ID CROZZ II corresponds to the ID.4GTX. It will be an SUV with a dual-motor layout and a standard Tesla Model X.

　　At the latest, by 2030, more than 300 models of the Group’s brands covering all levels of the global market will launch at least one electric version. The "Roadmap E" strategy is an extension and upgrade of the electric product planning in the "2025" strategy, which will not only promote the electric product planning of Volkswagen Group, but also greatly accelerate the electrification process of the group’s vehicle lineup.

　　Not only MEB but also high-end PPE/JI.

　　Just as Volkswagen’s high-end luxury cars use MLB platform at present, in order to cope with future electrification, if MEB platform is the MQB platform for standard gasoline vehicles, then Volkswagen’s high-end gasoline vehicle platform MLB should also have a pure electric cousin-it is called PPE(Premium Platform Electric).

　　The PPE platform is jointly developed by Audi and Porsche. Its predecessor is Taycan, the first pure electric vehicle model of Porsche, and the Audi e-tron GT which will be mass-produced soon. In addition, there is a higher-end Bentley J1 pure electric platform. The PPE platform is expected to be launched in 2021, and its main technical highlights are also more advanced, including supporting air suspension, dynamic torque distribution, unsprung lightweight, 800-volt high-voltage power battery, and 350kW ultra-high power fast charging.

　　MEB will promote the upgrading of China auto parts industry.

　　China is undoubtedly Volkswagen’s largest market in the world, and Volkswagen also needs to accelerate the development of new energy vehicles on the basis of the existing product system. The brand-new platform can be completed not only by Volkswagen itself, but also by completely innovating the whole supplier system, which not only brings more new vehicle choices to domestic consumers, but also promotes the upgrading of China’s electric vehicle industry.

　　Just like the reform and development in the past, the introduction of the concept of automobile joint production has promoted the development of automobile supporting industries in an all-round way and made China the largest automobile production and consumption market. By 2025, Volkswagen and joint ventures will invest a total of about 10 billion euros in electrification, including the research and development and production of electric vehicle products and the update and application of equipment, production lines and battery modules, but excluding the purchase of batteries. Volkswagen also plans to invest 75 million US dollars to start the motor production and transformation work in the Volkswagen gearbox Tianjin factory in December 2018.

　　Summary: In the MQB era, Volkswagen has proved the advanced nature of modular production. Compared with Volkswagen, the brand-new MEB modular platform not only embraces the development trend of new energy, but also starts a new business for Volkswagen in the new period and continues to lead the development of Volkswagen. Every technological innovation will bring about the industrial upgrading of the whole industry. Compared with some brands that only introduce a few pure electric vehicles, Volkswagen’s approach is more systematic. The investment in research and development in the early stage and the turnaround of giants will bring greater domino effect, which will have a far-reaching impact on domestic auto parts industry and consumers, but also on future travel.

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.

The reporter learned from the leading group (headquarters) of novel coronavirus, Shandong Province that a few days ago, the office of the leading group (headquarters) of COVID-19, a provincial party committee, issued the Notice on Further Improving the Promotion and Application of Electronic Health Passwords. The Notice pointed out that from the current distribution of health codes, the promotion and application of health codes in various cities and industries still need to be further strengthened.

The Notice pointed out that the Shandong Electronic Health Passcode (hereinafter referred to as "Health Code") is a electronic certificate for individuals to travel during the epidemic prevention and control period, an important measure to support the epidemic prevention and control by using information technology, and an invisible electronic defense line deployed in urban and rural communities and public places. At present, the health code system of our province has achieved real-time comparison with the information of the national integrated government service platform and the provincial epidemic prevention database, and it can automatically issue red codes or yellow codes to the confirmed patients, suspected cases, asymptomatic infected persons, close contacts, people with fever and other symptoms, people entering Shandong from abroad, people from medium and high-risk areas and other people who need to be managed. By checking the health code, we can limit the contact between people at risk and society, reduce the risk of epidemic spread and promote the orderly flow of people.

The Notice makes it clear that,

Further do a good job in the promotion and application of health codes

The requirements are as follows:

First, strengthen publicity and promotion to enhance people’s awareness. Departments in charge of various cities and industries should attach great importance to it, pay attention to giving play to the leading role of the government, guide the news media to take active actions, interpret the Interim Provisions on the Application of Health Access Codes in Shandong Province (hereinafter referred to as the Interim Provisions) in various ways, publicize the functions, application ways and usage methods of health codes in a high frequency and wide coverage, and strive to make health codes known to everyone.

Second, speed up industrial application and strengthen manual inspection. Municipalities and industry departments should strictly implement the "Interim Provisions" and other documents, further standardize the application and management of health codes, and continuously increase the popularization and application of health codes. Especially for communities, restaurants, shopping malls, hospitals, schools, hotels, vehicles, tourist attractions, administrative service halls and other key places, the competent departments of various industries should specially formulate and issue notices on the popularization and application of health codes in the industry, take health code inspection and body temperature monitoring as important means of prevention and control, strictly carry out manual inspection of health codes, guide the masses to take the initiative to apply for and produce health codes, and improve the application rate and inspection rate of health codes as soon as possible.

Third, strengthen supervision and compact work responsibilities. Municipalities and industry departments should strengthen supervision and implementation, clarify the division of responsibilities, comprehensively monitor and timely dispatch the application of health codes in this city and this industry. The Office of the Leading Group (Headquarters) of the Provincial Party Committee will check the promotion and application of health codes in various cities and units through unannounced visits, collecting the number of codes issued, checking video images, etc., combined with the complaints and reports of the 12345 hotline, and will notify the places and units that have failed to implement health codes and have been reported many times.

How to apply for health pass code in Shandong province

Let’s watch together!

01

What is the health pass code of Shandong Province?

"Shandong Health Pass Code" (hereinafter referred to as "Health Pass Code") is a electronic certificate for individuals to travel during the epidemic prevention and control period, an important measure to realize effective management of epidemic prevention and control by using information technology, and an invisible electronic defense line deployed in urban and rural communities and public places. According to the different situations of personnel, the health pass code system has set up several modules, such as "application for pass code", "declaration for coming to Shandong" and "agency for family members", which can not only realize the accurate investigation and strict control of "four types of personnel", but also strengthen the scientific management of those returning to work and school during the epidemic prevention and control period, and facilitate the travel of personnel during the epidemic prevention and control period. The Office of the Leading Group (Headquarters) of COVID-19 Provincial Committee of the Communist Party of China issued the Interim Provisions on the Application of Health Pass Codes in Shandong Province, which played a positive role in promoting the orderly flow of personnel and accelerating the recovery of production and living order. The health pass code is loaded with three colors of red, yellow and green, which indicate the health risks of the epidemic respectively, corresponding to high risk, medium risk and low risk respectively.

02

Why should I handle and use the health pass code?

Our province’s health pass code was determined and built by the leading group (headquarters) of COVID-19, the provincial party committee, under the unified requirements of the State Council’s joint prevention and control mechanism. It has been connected to the national integrated government service platform, and mutually recognized with the health pass codes of all provinces (autonomous regions and municipalities) and the "national epidemic prevention information code" in technology. By calling the national integrated government service platform and the province’s epidemic prevention database, the health status of people from overseas and other provinces, as well as residents of this province, is recognized and managed. After big data comparison, at present, there are still some people in our province who have close contacts with COVID-19, who have not entered Shandong for a long period of isolation, and who have issued red and yellow codes from medium and high-risk areas. They also need to be quarantined for medical observation according to the requirements of epidemic prevention and control. Therefore, it is still necessary to check the necessary health pass codes in key places such as communities, restaurants, shopping malls, hospitals, hotels, vehicles, cultural tourism, office buildings, etc., so as to restrict the passage of people with red and yellow codes or without health pass codes. Only through the strict implementation of the health pass code inspection system can we limit the contact between people at risk and society and reduce the risk of epidemic spread.

.

03

How to apply for and use the health pass code?

Travelers apply for it in three ways. First, use WeChat to pay attention to the "Healthy Shandong Service Number" WeChat WeChat official account-"Epidemic Prevention Zone"; The second is to download the "Love Shandong" app-the home page "Hot Applications"; The third is to use Alipay homepage to search for "Shandong Health Pass Card".

(Click to view larger image)

(1) Residents in Shandong Province can directly click on the column of "Health Pass Card" and select "Pass Code Application". According to the prompts, they only need to fill in seven basic information, including name, certificate type, certificate number, mobile phone number, nationality (region), residence address and contact history within 14 days, and then they can get the health pass code after making a commitment.

(two) people from other provinces to Shandong (back to Shandong), after arriving in our province, must be transcoded into the health pass code of Shandong Province through the "declaration of coming to Shandong" module, and all those who hold the green code will pass. All localities are not allowed to set additional conditions for traffic, and do not take centralized or home isolation measures. The personnel leaving the province shall be implemented according to local policies.

(Click to view larger image)

(3) After the expiration of the quarantine period for those who have entered (returned to) Shandong from abroad, those who have passed the inspection shall apply for the health pass code through the "declaration for coming to Shandong" module, and the code will be automatically assigned after big data comparison.

04

What are the categories of health pass codes?

What are the red, yellow and green health pass codes? What does it mean? What measures need to be taken?

(1) Code Red (high risk)

(Style, privacy treated)

The red health pass code mainly includes the following people: people from key areas of epidemic prevention and control and high-risk areas; Confirmed patients; Suspected patient; Asymptomatic infected persons who are undergoing centralized isolation medical observation; Close contacts who are conducting centralized or isolated medical observation at home; Other personnel who need to be included in the management of high-risk personnel.

Persons shown in code red should immediately report to local epidemic prevention and control institutions or community health service centers and disease prevention and control centers for centralized isolation medical observation.

(2) Yellow code (medium risk)

(Style, privacy treated)

The yellow health pass code mainly includes the following people: those who have a fever clinic record within 14 days; Persons with fever, dry cough, shortness of breath and respiratory symptoms; Abnormal personnel in the province’s epidemic database within 14 days; The patients who were cured and discharged after 14 days of home observation were diagnosed; Contact with asymptomatic infected persons who have been under medical isolation for less than 14 days; Persons from overseas who have not completed the isolation period; People from risk areas in the epidemic; Other personnel who need to be included in the management of medium-risk personnel.

Persons shown in yellow code need to strictly observe the medical isolation at home. In case of any discomfort such as fever (body temperature greater than or equal to 37.3℃), fatigue, cough, diarrhea, conjunctivitis, etc., they should wear masks to see a doctor in a nearby medical institution at the first time, or contact the local epidemic prevention and control group or community health service center and disease prevention and control center immediately.

When people in middle-risk areas move across regions, they need to stay at home for 14 days after arriving at their destination.

(3) Green code (low risk)

(Style, privacy treated)

Except for the red and yellow people, other people’s health pass codes are all green, which can pass normally with bright codes.

In case of any discomfort such as fever (body temperature greater than or equal to 37.3℃), fatigue, cough, diarrhea, conjunctivitis, etc., put on a mask and go to a nearby medical institution for treatment as soon as possible. If you find that your green code turns yellow or red, please deal with it according to the above two colors.

05

Old people and children don’t have mobile phones. What should I do?

For the elderly, children, primary and secondary school students, etc., it is inconvenient to use the health pass code. You can bind the family health pass code in the "Agency for Family" module of the health pass code, and show or print the paper health pass code on your behalf. It is valid for 14 days and has the same effect as the electronic health pass code. After the expiration of 14 days, you can reprint it.

06

Do you still need to scan the code for verification in the province?

Temperature detection and green code access are important means of prevention and control in communities, units and key places. In communities, restaurants, shopping malls, hospitals, hotels, transportation, cultural tourism, office buildings and other key places, residents and all kinds of service personnel who hold the green code of the health pass in the province will pass by bright code, and the place code scanning and manual code scanning verification will no longer be carried out, but manual inspection of the health pass code is still required. For those who travel with green codes, no organization or person may hinder entry on the grounds of epidemic prevention and control, and may not collect other personal health information. If the staff find the yellow code or the red code, they should immediately report to the local epidemic prevention and control department.

070

What if there is something wrong with my health pass code?

The health password system is updated in real time according to the changes of epidemic situation and policy requirements. If you encounter problems such as slow opening and the color of the password is not displayed, please wait patiently and use it normally after the update is completed. If you can’t register normally, have questions about health information or have other problems, you can click "…" in the upper right corner to select the "feedback and complaint" module for feedback, and the staff will handle it in time. You can also call the technical contact number below the system for consultation, but due to the large number of consultations, it may be impossible to connect.

081

What should I do if I encounter problems such as not allowing traffic when I travel?

When traveling, you can call the local 12345 hotline to make a complaint if you encounter problems such as staff not checking the health pass code, scanning the QR code, recording personal health information, and the green code is not allowed to pass. Places and units that have been reported many times will be held accountable.

093

What is the use of electronic health password?

The "electronic health pass code" is based on the national resident electronic health card, which is a special symbol used by the electronic health card for the personal health status of residents during the epidemic protection period. What is an electronic health card? Electronic health card is a universal medical and health service card in China. It is a unified standard medical service card for urban and rural residents handled by health departments according to resident identity cards and other legal documents. It is uniformly generated, authenticated and managed by the national electronic health card system service platform and is universal in China.

Therefore, the electronic health pass code is actually an electronic health card with color to distinguish personal health status. During the epidemic period, it can be used not only for travel management and health status, but also for "non-contact" treatment by directly brushing the QR code of the electronic health pass card in hospitals where electronic health card reading equipment has been deployed. You can also click on the medical service in "Health Shandong Service Number" and select the "Show it when swiping the card" function to use.

Important tips

Your health information is very important for epidemic prevention and control. Please fill in the true information when you apply, and you will bear legal responsibility if you conceal or make false reports. Your electronic health password has been valid since the date of handling during the epidemic period, and the dynamic comparison management of epidemic big data is carried out through the provincial epidemic database every day.

Original title: "Look quickly! Regarding the health pass code, Shandong issued the latest notice! 》

▲ On-site signing. Reporter Zhang Yizhu photo

On July 13th, Chongqing Institute of Artificial Intelligence of Shanghai Jiaotong University officially released the "Zhaoyan" large model in the West (Chongqing) Science City, which is also the first large language model independently developed in Chongqing.

With the global fire of ChatGPT, the big model has become the hottest topic at present, and 2023 will also become the year of big model generate. Statistics show that hundreds of large models have been released around the world, and more than 80 large models have been released in China since this year.

"The previously released general model represented by ChatGPT has some pain points in the industry, such as lack of domain knowledge, inaccurate system calls, and high deployment costs." Jin Shi, dean and chief scientist of Chongqing Institute of Artificial Intelligence of Shanghai Jiaotong University, said that for example, the general big model is like a "generalist", but due to the lack of professional knowledge and industry data accumulation, its industry depth is not enough, and the system call is not accurate, so when answering some highly professional questions, it may be "talking nonsense in a serious way".

"Zhaoyan" is committed to building a big model of the industry, just like a "professional". It is developed by Chongqing Institute of Artificial Intelligence of Shanghai Jiaotong University based on the world’s leading AI big model technology. By accumulating massive data, supplemented by unique data processing and AI training technology, it can achieve accurate and professional text output, and can realize the ability to select and call applications in natural language, helping to create personalized intelligent products.

"Does Jiangzhou in this Jiujiang official. My blue sleeve was wet mean Chongqing?" On the same day, the press conference demonstrated "Zhaoyan" and compared it with well-known large models in the industry.

The Chongqing Daily reporter saw that the "Zhaoyan" answer not only introduced the historical relationship between the name Jiangzhou and Chongqing, but also did not confuse Chongqing and Jiujiang, knowing that Jiangzhou is Jiujiang now. But another big model gives the wrong answer.

▲ Jin Shi, Dean and Chief Scientist of Chongqing Institute of Artificial Intelligence of Shanghai Jiaotong University, introduced the "Zhaoyan" big model. Reporter Zhang Yizhu photo

"’mega-words’ means’ mega-words accumulate and speak out in chapters’." Jin Shi said that this not only expresses that the process of creating a large model involves the collection and processing of massive data, that is, "mega-text accumulation", but also expresses that the large model can achieve high-precision and professional-level text output, that is, "speak out" and let people get the information they really need.

In addition, the research and development of "Zhaoyan" also focuses on miniaturization deployment. Through distillation learning, model compression and special reasoning chip, the cost of model training and reasoning is greatly reduced. For specific tasks in the industry, the quality of answers is not reduced, while the cost of model call is only one-fourth of that before miniaturization, so that more small and medium-sized enterprises can also apply large models and make model-based products more competitive in the market.

"To sum up,’ Zhaoyan’ has three characteristics: high precision, high efficiency and low cost, and better empowers manufacturing, medical care, finance, cultural tourism, law, service and other industries." Introduction of Jinshi. For example, in the medical field, "Zhaoyan" can provide medical assistance and improve the quality and efficiency of medical services by deeply learning medical data.

"In the past, medical services were limited by doctors’ professional knowledge and experience, and the consultation response speed was slow and the service quality was limited." For example, he said that "Zhaoyan" can deeply learn medical records and symptom descriptions, provide comprehensive and accurate diagnosis and treatment suggestions, and improve the response speed and quality of medical services.

▲ The press conference site. Reporter Zhang Yizhu photo

At the press conference, Chongqing Institute of Artificial Intelligence of Shanghai Jiaotong University also signed contracts with Huayuan Computing Technology (Shanghai) Co., Ltd., Chongqing CCID Engineering Consulting Co., Ltd., Chongqing Yucun Technology Co., Ltd., China Mobile Communications Group Chongqing Co., Ltd., Beijing last romance Media Technology Co., Ltd. and Chongqing Saibao Industrial Technology Research Institute Co., Ltd., which will give full play to their respective advantages and promote the application of large-scale model technology in different industry scenarios such as manufacturing, finance, cultural tourism, education and medical care.

In the future, Chongqing Institute of Artificial Intelligence of Shanghai Jiaotong University will continue to optimize and upgrade in the vertical field of the industry according to the demand of Chongqing’s industrial layout, and apply "Zhaoyan" large model products to various fields to help the construction of the western (Chongqing) science city and the development of Chongqing’s digital economy.

Chongqing Daily client reporter Zhang Yizhu

Original title: Its name is "Zhaoyan"! Chongqing’s first self-developed large language model was officially released.

Editor: Rao Zhimei

Editor: Wu Zhonglan

Audit: Feng Fei