The fresh news morning call is all in the morning paper.

　

It will be the Spring Festival in two weeks, and the movies of the Spring Festival will come to you soon. Then, there will be more overseas movies coming to our side one after another, such as the "Sorry" series of Brother Shan Zheng, such as "Little Sister", you will know after reading the morning paper ~

It is predicted that Xú Zhēng’s "Awkward" series of new works will start "Detective Hawthorne" and then return to file 1.25.

　

　Xú Zhēng Film and Television Culture Studio released a picture with air tickets and tickets with the caption "Guess where xu teacher is going this time?" It is suspected that the new series of "Jiong" directed by Xú Zhēng will be launched soon.

There is a plane ticket from Beijing to Chiang Mai with the name Zaler Xu and the time in 2012, which was taken in Thailand, and another ticket from Shanghai to Hong Kong with the name Xu Lai, which was released on September 25th, 2015. In the middle of the picture is a ticket. The starting point is Beijing, the terminal is unknown, and the name only shows "Xu". While scanning the QR code on the ticket with a mobile phone, the page only shows "Guess?" Two words, the film side sold a lock, which triggered the audience’s infinite speculation about the third "embarrassing" series of movies. It’s for sale. I’m looking forward to it!

That’s the news of Brother Shan Zheng’s new film. The next news is that it’s "unreliable". What do you think? Yesterday, Huaxia Film Distribution Co., Ltd. issued a notice about the file change, saying that the film was "postponed due to technical problems at the request of the filmmaker", but the specific schedule was to be determined. Previously, "Love Saint 2" was originally scheduled to be released in the Spring Festival. On the 21st, it was suddenly announced that it would be released at 18: 00 on January 24th. This withdrawal will be the second time that the film has been rescheduled. At present, the film has not responded to the withdrawal. I don’t know if you feel a little distressed about Shawn like a younger sister! Some netizens said that Bai Baihe Xiaoyang was too miserable! Enmmm~ Recently, the news of changing gears and withdrawing gears is changing. Mu Meng is a little impatient!

After "Lover 2" announced its withdrawal, it announced the news of its return to the release on January 25th. Previously, when "Detective Hawthorne" announced the withdrawal of files, many netizens said that they were distressed by Han Geng. Now they are back. Can you "see" Han Geng soon? "Detective Hawthorne" is based on Cheng Xiaoqing’s "Hawthorne Detective Collection" written at the beginning of last century, directed by Xianyang Zhou and starring Han Geng, Andrew, Zhang Huiwen and Guo Xiaodong, and tells the story of detective Hawthorne solving a bizarre murder in a border city of Golden City.

Overseas telescope independent film started shooting in February and is expected to be released in 2020.

　

Suddenly hot search! The widowed sister’s independent film will start shooting next month! Recently, the highly anticipated independent film Black Widow has the latest news! According to Omega Underground, a foreign media that has broken the news of shooting, Black Widow will start shooting in Croatia and Miami on February 28th. Although the plot of the film is not officially certified, it is also reported that the film will tell "Romanova’s experiences of living in the United States for 15 years before becoming a black widow and after the collapse of the Soviet Union".

Following Captain Surprise, which was released on March 8th, Black Widow will become Marvel Comics’s second female superhero movie, and Scarlett Johansson will return to play the role of Black Widow, directed by Australian female directors of Berlin Syndrome. The film has not yet been finalized, but it is speculated that it will be released in North America in May 2020. Wait for the widowed sister! ! !

Industry broadcast, Oscar finalist film release, celebration map, five nominations, mainland booking

　　

On the evening of January 22nd, Beijing time, the nomination list for the 91st Academy Awards was officially released. Are the friends as excited as the expected girls? Among them, 10 nominations led the way, followed by 8 nominations, 7 nominations, 6 nominations and 5 nominations for Green Book. Many short-listed films posted pictures to celebrate after the list was announced, and wrote the names and numbers of their nominated awards on the posters, which was easy to understand!

However, what is most worth celebrating is that Green Book, the top seed of the Oscar for Best Picture, who won five nominations for Best Picture, Best Actor, Best Supporting Actor, Best Original Screenplay and Best Editing, will be released in the Mainland on March 1st, and everyone will have a good time! This film is adapted from a real event, and tells the story of a black pianist and a white driver who, under the guidance of the Green Book, drove to the southern part of the United States and formed a sincere friendship across races and classes during their journey. The film was released in the Mainland this time, thanks to its co-producer Alibaba Pictures. The nomination of Green Book this time also made Alibaba Pictures the first film and television internet company to jointly produce an Oscar-nominated film. If it really won the best film award, then Alibaba Pictures will be the first film and television internet company in the world to produce the best film Oscar ~

The movie Calendar was born in Shunji Iwai.

(The specific broadcast content is subject to TV)

Want to get more fresh movie information, love beans, exclusive live video, don’t hurry to download CCTV6 movie channel app, there are girls waiting for you!

　　On March 23rd, Foreign Ministry Spokesperson Hua Chunying held a regular press conference. A reporter asked: On the 22nd, the European Union, Britain and Canada announced unilateral sanctions against relevant individuals and entities on the pretext of the so-called human rights issue in Xinjiang. On the same day, the United States announced sanctions against two Chinese Xinjiang government officials, claiming to be a supplement to the sanctions imposed by Europe, Britain and Canada. The foreign ministers of the United States, Britain and Canada issued a joint statement to put pressure on all parties. What is China’s response to this?

　　Hua Chunying said that the United States, Canada, Britain and the European Union imposed sanctions on people and institutions in China and Xinjiang on the grounds of human rights based on lies and false information, and China strongly condemned them. The head of China’s Ministry of Foreign Affairs has summoned the EU and British ambassadors to China respectively to make solemn representations. Last night, China made clear its solemn position for the first time and announced sanctions against relevant European institutions and personnel. China has also made solemn representations to the US and Canada.

　　In the past 40 years, the population of Uighurs in Xinjiang has increased from 5.5 million to 12.8 million, and the average life expectancy has increased from 30 to 72 years. People of all ethnic groups in Xinjiang, including Uighurs, enjoy all rights conferred by the Constitution and laws of China according to law. The people of all ethnic groups in Xinjiang, China enjoy stability, security, development and progress, which is one of the most successful human rights stories.

　　However, some politicians in the United States, Britain and the European Union are obviously unwilling to admit this fact. They have gained a great deal from the so-called "evidence" maliciously fabricated by some anti-China politicians and so-called scholars, completely ignoring that the so-called "facts" pieced together are completely based on false so-called "internal documents", "victims’ statements" and information with unknown sources, and even taking official documents and data of China out of context and distorting them. These can only prove that what they care about is not human rights at all and what they care about is not the truth at all. They don’t want to see the success and development of China, and they don’t want to see the people of China live a better and better life, so they interfere in China’s internal affairs under the pretext of human rights and try to curb the development of China. What they did was a slander and affront to the reputation and dignity of the people of China, a blatant interference in China’s internal affairs and a serious violation of China’s sovereignty and security interests.

　　It must be pointed out that these countries call themselves human rights "judges" and act as human rights teachers, but they have their own bad records on human rights issues. They are not qualified to blame China, or even impose their crimes and evils on China.

　　Hua Chunying pointed out that during the 400-year-long slave trade, American, British, French and other colonists transported more than 12 million people from Africa to America as slaves, and another 10 million people died in the transportation. In America today, Freudians still can’t breathe. The United Nations Committee on the Elimination of Racial Discrimination has long pointed out that in the United States and Britain, African-Americans face systematic racism in health, employment, education and fair trial.

　　As early as the beginning of the 20th century, German colonialists massacred the indigenous people in Namibia, Africa. From 1904 to 1908, German colonial forces killed more than 100,000 indigenous people, including three quarters of the Herrero population and more than half of the Nama population. It was called "the first genocide of the 20th century" by the report of the Commission on Human Rights of the United Nations Economic and Social Council. During World War II, the German Nazis massacred nearly 6 million Jews, including more than 1 million children. The United States, Britain and their allies violated the Geneva Convention in Afghanistan and brutally killed innocent civilians, committing serious war crimes and crimes against humanity.

　　French troops slaughtered 5.5 million people in Algeria during the colonial period, which constituted a crime against humanity. The Algerian president said that Algeria will not sacrifice history and memory.

　　In the 1970s, the Canadian government put the assimilation of aborigines on the official agenda, publicly proclaimed that "killing Indian descent begins with their children", and implemented the policy of cultural extinction for aborigines by setting up boarding schools. According to incomplete statistics, more than 150,000 aboriginal children were forced to be sent to school, and more than 50,000 of them died of abuse.

　　We all remember that when the United States and Britain used a bag of washing powder and posing videos as evidence, they launched wars against two sovereign countries, Iraq and Syria, causing countless innocent civilian casualties and countless families separated and displaced. The 10th anniversary of the Syrian crisis this year. In Syria alone, 350,000 people have died in the war and their families have been destroyed. Shouldn’t they be sanctioned?

　　This year also marks the 10th anniversary of Libya’s civil war. France, Britain, the European Union and other countries launched the Libyan war and created a large-scale humanitarian disaster, which is the evil source of the current refugee problem and an important factor in regional turmoil. Today, 400,000 people are still displaced in Libya, and more than 1 million people are in urgent need of help. Shouldn’t they be held accountable?

　　These countries not only have no remorse for their export turmoil, but also impose unilateral sanctions on other countries in the name of human rights, seriously damaging the people’s rights to life, health and development in the countries concerned. Faced with the epidemic, these most developed countries ignored the people’s right to life and health, allowing tens of thousands of people to die. Pursue "vaccine nationalism" and hoard a large number of COVID-19 vaccines far exceeding the needs of its population, resulting in no vaccines available in developing countries.

　　We can’t help asking, if people don’t exist, how will power be attached? The United States and the West keep saying that they protect human rights. Who are they protecting? What is the right to protect? How do they show respect and protection for human rights? Shouldn’t they be ashamed?

　　Hua Chunying emphasized that history and facts show that these countries want to be human rights teachers, but they simply don’t deserve it. They are neither saints nor powerful. I hope they understand that China today is not Iraqi, Libyan, Syrian or China 120 years ago. Gone are the days when foreign powers could open the door to China with a few cannons, and the days when a few so-called scholars and media colluded with the government to attack China without any punishment.

　　Advise them not to underestimate the firm will of the people of China to safeguard national interests and national dignity. Come without disrespect, and they will eventually pay for their stupidity and arrogance (CCTV reporter Zhu Ruomeng Yang Yi)

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　　After ecological replenishment, the Chaobai River is full of water and restores its natural beauty. Beijing Daily reporter Pan Zhiwang photo

　　Beijing Daily reporter Wang Tianqi

　　In early winter, the river in the upper reaches of Xiaozhong River in Shunyi District did not decrease, but gradually increased. The clear river flows slowly, adding a touch of agility to winter.

　　With the full start of ecological water replenishment in autumn of 2024 in Beijing, Miyun Reservoir and Huairou Reservoir began to recharge the downstream rivers, and Xiaozhonghe, a river that runs through the west of Shunyi, is expected to have water all along.

　　In recent years, in Beijing, more and more rivers that have been dry and cut off have resumed their flow. This is inseparable from Beijing’s continuous cross-basin multi-source ecological water replenishment action. After ten years in Beijing, "South Water" has gradually become the main source of urban water, replacing the local surface water that was originally responsible for water supply. Large and medium-sized reservoirs such as Miyun and Huairou have been able to make ecological water replenishment and recharge underground for some rivers and lakes.

　　Since the "South Water" entered Beijing in 2014, Beijing water department has made full use of water resources for scientific and fine dispatching. There are 26 rivers with water in Beijing, and the length of rivers with water has increased by more than 500 kilometers.

　　The five major rivers have penetrated into the sea for four consecutive years.

　　In November, along the Beijing section of Yongding River, the "Five Lakes and One Line" was damaged and repaired by water, and many post-disaster recovery and reconstruction projects such as Guanting Gorge Section, Lusan Section and Luliang Section were still under intense construction to seize the "golden period". In the "23.7" catastrophic flood of Haihe River last year, the Yongding River in Beijing was seriously affected. The construction of these reconstruction projects has its own emphasis, but almost all of them have the same link-diverting the Yongding River by building cofferdams or pipelines. This is to ensure that the upstream and downstream rivers are connected.

　　Yongding River is the mother river of Beijing, but it has been cut off because of years of drought and excessive water consumption in urban development. Since 2019, under the unified dispatch of the Ministry of Water Resources, Beijing has coordinated the deployment of multiple water sources to implement the ecological water replenishment of Yongding River. The Yellow River water from Wanjiazhai Reservoir at the junction of Shanxi and Inner Mongolia, the water from Cetian Reservoir in Datong, the water from Guanting Reservoir in Beijing and some reclaimed water are all merged into Yongding River. In 2019, 108 kilometers of the Yongding River Guanting Gorge section flowed across the whole line; In 2020, the Beijing section of Yongding River will be connected; In 2021, after 26 years of cut-off, Yongding River realized the first time that more than 800 kilometers of river course was flooded and merged into the sea. In 2023, the Yongding River was flooded for the first time in the whole year after it was cut off, and it is expected to be flooded for two consecutive years this year.

　　With the successful experience of ecological water replenishment in Yongding River, Beijing began to try to make overall arrangements for external water transfer, surface water, groundwater, rain and flood, and reclaimed water, so as to promote the synchronous management of the main stream and tributaries of the city and the coordinated restoration of the surface and underground. In 2021, the Chaobai River, the largest river in eastern Beijing, was once again flooded after 22 years of interruption.

　　So far, the five major rivers in Beijing have all reappeared as "flowing rivers" and penetrated into the sea. This year is the fourth consecutive year.

　　The "water network" of rivers and lakes is filling up day by day.

　　Li Shu, chief of the dispatching management section of Beijing Water Resources Dispatching Management Affairs Center, has a satellite image in his hand, which can clearly see the changes of Chaobai River in the past ten years.

　　In 2015, the Chaobai River was only a short section upstream of the confluence of Chaohe River and Baihe River and Niulanshan Rubber Dam, as well as some river sections in Tongzhou, and most of the rest were dry. However, since 2018, there have been more and more rivers with water in the Chaohe River and Baihe River after Miyun Reservoir’s discharge. By 2021-2022, the whole Chaobai River has turned blue, and even some capillary tributaries around it can be clearly seen in the image.

　　In Li Shu’s view, after the middle route of South-to-North Water Transfer Project was flooded, the water source structure and water supply pattern in Beijing changed, and the water resources allocation strategy was adjusted scientifically and finely with the development of water resources situation and the changes of key security targets in different periods. "Ecological water replenishment in Chaobai River is a microcosm of strategy adjustment."

　　Li Shu introduced that from 2015 to 2022, Beijing coordinated multiple water sources to replenish 1.97 billion cubic meters of water to Chaobai River, with the largest year of 1.05 billion cubic meters and the smallest year of 08 million cubic meters. The year-to-year variation of water replenishment is so great, because the water storage of Miyun Reservoir was very small at the beginning of the "South Water", so the main goal is to store more water and increase the strategic reserve of water resources. By 2021, the precipitation in Beijing is extremely abundant. After Miyun Reservoir began to operate with high reserves, the water department used local water and "South Water" to implement multi-path and large-scale water replenishment, and fully recovered the ecological environment of Chaobai River.

　　The ecological water replenishment of rivers and lakes in Beijing can not only meet the needs of the citizens for the ecological environment, but also make the groundwater source be replenished through the slow infiltration of rivers and "store" the water into the ground. In order to effectively guarantee the ecological water quantity of the river, and extend the length of the river with water as much as possible, the Municipal Water Resources Dispatching and Management Center will make careful calculations every year, formulate a scientific and comprehensive water transfer plan, and carefully select the water replenishment path to maximize the benefits of ecological water replenishment.

　　After ecological water supply, not only the main stream of Chaobai River, but also a number of dry and cut-off rivers such as Xiaozhonghe and Fangshi Canal have been "revived". Through Jingmi diversion canal, the northern water systems of Shagou River, Xiaocun River, Beishahe River and Nanshahe River have also been supplemented. Agricultural irrigation channels that have been abandoned for many years have also been utilized. Through ecological replenishment such as Chaohe main canal, East main canal and Middle main canal, the water system in the east of Shunyi has been connected, and the Tangzhishan Reservoir, which has been empty for more than 20 years, is once again picturesque.

　　The criss-crossing natural rivers and artificial water systems weave a "water network" of the city, and the ecological water supply makes this network more and more dense and increasingly full. Liu Bo, director of the Water Quality and Water Ecology Laboratory of Beijing Hydrological Station, told the reporter that since "Nanshui" entered Beijing in 2014, the number of rivers with water in Beijing has increased from 96 to 122, the length of rivers with water has increased from 2,352 km to 2,887 km, and the proportion of rivers with water has increased from 36.7% to 45%. Although there were some fluctuations during this period, it generally showed a good trend.

　　Rivers and lakes are moving from "sub-health" to "very healthy"

　　Hold your breath, hold your mobile phone steady, and with a click, a picture of an egret looking down for food by the river is fixed. For Wang Yan, who lives near Liangshui River in Yizhuang, patting the beautiful scenery by the river is his greatest enjoyment after each jog.

　　There should be not only water in the river, but also clear water and green shore. After "South Water" took over the heavy burden of urban water supply, pollution control and water environment management of rivers and lakes in Beijing are also accelerating. Liangshui River is the most typical one.

　　Liangshui River, located in the south of Beijing, was once named as "Milk River" because of serious pollution, and the river turned white and green. The old residents nearby called it "Smelly River", and even dared not open the windows in the summer when they lived close. With the continuous implementation of the "three-year pollution control action" by Beijing water department, the sewage outlets along Liangshui River have been closed, and sewage is prohibited from being discharged directly into the river. Dredge the river, repair the river bank and plant more aquatic plants to make the river look brand-new In several reclaimed water plants in the basin, high-quality reclaimed water is continuously replenished into the river every day, so that the water body can be replaced, and "flowing water does not rot".

　　According to the Beijing local standard "Technical Specification for Water Ecological Health Assessment", Liangshui River was still in an unhealthy state in 2016, turned into a sub-health state from 2017, and reached a healthy level in 2020. "This also fully illustrates the transformation of water quality and water ecological environment of Liangshui River." Liu Bo said.

　　According to the Report on Water Ecological Monitoring and Health Assessment in Beijing in 2023, among the major rivers, lakes, reservoirs and wetlands in the city, 83% are in health grade. In 2023, 402 species of phytoplankton, 444 species of zooplankton, 245 species of macroinvertebrate benthos, 85 species of aquatic plants and 73 species of fish were detected in the city. "Compared with the previous year, except for the slight decrease of phytoplankton species, the species of other biological categories have increased, and the aquatic biodiversity in the city is in a state of continuous stability and improvement." Liu Bo said.

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

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

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

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

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

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

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

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

　　Industrial strength has been significantly enhanced.

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

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

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

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

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

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

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

　　Supply quality continues to improve.

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

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

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

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

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

　　Brand recognition has steadily increased.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

　　新发展理念是一个系统的理论体系，全党必须完整准确全面贯彻新发展理念

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Chinese Baroque Architecture

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

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

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

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

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

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

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

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

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

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

Architectural art survived, but the living culture died.

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

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

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

Laojie casserole house

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

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

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

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

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

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

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

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

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

The Paper: What about the situation abroad?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

A sea of people’s Tongji shopping mall

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.)

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