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.)

The length, width and height of Hellcat SRT are 5027mm, 1923mm and 1461mm respectively. From the side photos, you can more intuitively understand its slender body design. The 20-inch granite crystal aluminum alloy wheels are matched with the 20-inch all-season performance tires, aiming to make the car have better dynamic performance. If a friend thinks that this design is not personalized enough, he can choose the side stripes of the challenger car body to further improve the recognition of the car.

Sales Tel: 15502249267 Manager Sun (same as WeChat)

The black interior design is very sporty, and the leather steering wheel and shift handle are designed with excellent sense of control. The driver’s 6-way electric seat adjustment and 4-way waist adjustment are designed to provide the driver with the most comfortable riding experience, so that he can drive the car better. The central control 8.4-inch touch screen adds a certain fashion atmosphere to the car. The contents such as reversing images, electric power steering and slope assist provide auxiliary functions for drivers, and at the same time improve driving safety to a certain extent.

Dodge Hellcat SRT adopts the latest design of Dodge family, and its overall shape is more sporty. The instrument panel adopts the combination design of double instrument panels and LCD screen, and the center console adopts split type with central LCD screen. It has a sporty atmosphere, including a bottom steering wheel, sports seats, carbon fiber-like interior parts and aluminum alloy decorative panels.

Dodge Hellcat SRT is equipped with a 6.2-liter HEMI V8 supercharged engine with a maximum power of 600 HP, which is matched with a six-speed manual or TorqueFlite eight-speed automatic transmission. The new Dodge Hellcat SRT Hellcat V8 6.2L 707 horsepower accelerates 100 kilometers for 3.7 seconds. Reservation accepted. The transmission system is matched with a brand-new 8-speed automatic transmission, which is used to match the increased torque output of Charger SRT.

Special feature of 1905 film network It’s the annual Spring Festival again. Before entering the big screen, Xiao Dianjun once again wishes everyone a happy New Year, seeing good luck and full welfare here.The annual practice can’t be changed. On the first day of the first day of the first year, I will bring you the first-hand evaluation of the Spring Festival file, ensure dry goods, and ensure that everyone can harvest a happy New Year in the cinema.

In 2023, only 12 hours passed on the first day of the New Year’s Day, and the single-day box office has exceeded 890 million, which really proves the super-carrying power of the "strongest Spring Festival file in history".

In recent years, the Spring Festival stalls are not the strongest, only stronger.This year, it was assembled, as well as 7 blockbusters of the animated film "Bear Haunted with Me" Bear Core ". These films cover a variety of theme types, and are also the creative gathering of three generations of directors.

I don’t know. What movies are you going to see today?Xiao Dianjun also wants to hear your feedback. If you haven’t bought a ticket yet, or don’t know what movie to watch next time, then let’s take a look at the Spring Festival file recommendation guide we brought to you, and easily get who is your best movie-watching partner. Of course, as a series with a fixed audience, there is no need to say too much.

The Wandering Earth II

Director:

Starring://etc.

Duration: 173 minutes

Suitable for the audience:Science fiction fans, people who care about the meta-universe, celestial lovers, and people who like to burn their brains.

The fangs of the editorial department of 1905 Film Network:Starting from the amazing "first year of science fiction movies" four years ago, today’s Wandering Earth 2 undoubtedly carries more expectations.

Therefore, in terms of plot, this episode is definitely a "brain burning" compared with the opening "unscrupulous" explosion of Jupiter. The length of the film is lengthened with the increase of information. The film length of three hours has increased the threshold of watching movies a little bit, but fortunately, the quantity and quality of big scenes have made a qualitative leap.

There are highlights at the beginning, middle and end.

There is no doubt that the series is still the TOP in China’s sci-fi. The texture avoids the problem that many sci-fi themes are divorced from reality, but it is very consistent with the feeling of pursuing a documentary, which also makes the feeling of substitution and connection more intense when watching movies. In addition, there are more clues to the characters in this episode, and audiences with different preferences should be able to "take what they like".

Man Jiang Hong

Director:

Starring:///etc.

Duration: 159 minutes

Suitable for the audience:Xian Yi, young and old, brain-burning reversal story lovers

1905 Film Network Editorial Department miro:You can see many shadows of Zhang Yimou’s past works in "The Red River", such as the elegant house, the suspense spy war in the movie, the distraction and revenge in the movie, and the unique use of colors.

However, "Man Jiang Hong" is also brand-new. At the age of 72, Zhang Yimou is still trying to talk to the young audience, combining the script games and escape from the secret room that young people love with his favorite historical themes, and has completed a brand-new exploration in the field of genre films.

Shen Teng, Yun-peng Yue and other comedians are not abrupt, and they have a good grasp of the scale of Zhuang and Harmony, which is not dramatic. Jackson Yee did not lose ground in the game of "playing bone" with the whole staff, which better explained the versatility and contrast of the role.

Kino, editorial department of 1905 film network:This is like an ancient costume version of Zhang Yimou, and everyone who enters the game is duplicitous and hidden.

High-density plot, uninterrupted suspense information stimulation point, in the smooth scheduling rhythm, in the process of revealing the true identity and purpose of each character step by step, and gradually flipping the previous speculation and approaching the whole truth, the narrative charm of the film is brought to the extreme, especially the setting of Qin Gui at the end, which turns out to be the biggest surprise.

Shen Teng, Jackson Yee, Zhang Yi, Yun-peng Yue, Lei Jiayin and other actors with completely different characteristics, their performances in the film have been revitalized and blended together.

The audience is like following them to play a script killing game in the secret room of the compound. It is not only afraid of "spoilers", but also afraid of "spoilers", because this puzzle ultimately pursues a higher expression dimension, chanting with an unexpected scene of "Man Jiang Hong" which is also in line with the logic of plot promotion, igniting the climax of home and country feelings and permanently freezing "Man Jiang Hong".

Before Zhang Da, who is full of blood, and after Sun Jun, who is growing and changing, the film will reach the heart of every Chinese, and will forever praise Yue Fei’s spirit of loyalty to the country.

Nobody

Director:

Starring://etc.

Duration: 128 minutes

Suitable for the audience:Spy film lovers, fans of anti-Japanese history

Kino, editorial department of 1905 film network:From the fall of Guangzhou in 1938, the turbulent Shanghai in 1941, to Hong Kong in 1946, The Unknown is a group portrait sketch of people in the hidden front before and after the history of War of Resistance against Japanese Aggression.

Every character has a nameless surname, and their actions and words are well-tuned, but the inside is unfathomable. They are Wang Puppet agents, communist party people in the undercover secret service department, traitors, traitors, political speculators and patriotic heroes? In the process of constant temptation and suspicion, everyone’s veil left unlocked is lifted one by one. This mysterious historical torrent is also a sad song under the war. Everyone is playing with it like a chess piece, and the sense of jumping from scene to scene, like their fate, is completely different from the moment before.

Tony Leung Chiu Wai plays the drama of concealment and forbearance, which he is good at. YiBo, who is in a movie for the first time, plays a variety of emotions, such as frivolous and stubborn, painful and fragile, and murderous and violent, especially when the two men fight each other from fist to flesh. This role is the eye of the play, and it is also the sleeve sword to be displayed at the end of the whole film.

Exchange of life

Director:

Starring: Lei Jiayin//etc.

Duration: 110 minutes

Suitable for the audience:Xian Yi, young and old, taking parents to the movies, dating people, all those who want to go to the cinema for relaxation.

Ma Xun, Editorial Department of 1905 Film Network:Exchange of Life is undoubtedly the most suitable movie for everyone to watch this year’s Spring Festival.It is like the bowl of eight-treasure rice on the dinner table during the Spring Festival, with all kinds of beauty. All actors are like eight-treasure desserts on glutinous rice. When the story is slowly told, the kindness and beauty between people that the director wants to express is like the bean paste under glutinous rice, which is sweet but not greasy and gives enough energy.

The most touching thing about the film is the emotional connection between yourself and the people around you. Everything still lies in the self itself. However, Su Lun didn’t deepen the story excessively, but still played the characteristics that she was good at in the film, and packed it perfectly with light comedy.

China Ping-Pong: The Jedi Fight Back(released on the third day of New Year’s Eve)

Director:/

Starring: Deng Chao//etc.

Duration: 137 minutes

Suitable for the audience:Xian Yi, young and old, sports lovers, partners get together.

1905 Film Network Editorial Department miro:Undoubtedly, it is the best combination of Deng Chao and Yu Baimei, who are familiar with genre film techniques and have a high degree of completion.The film cleverly chooses the special side of China Men’s Table Tennis, the "teacher of kings": the Jedi counterattack in the trough and the rebirth of Nirvana after the failure, which makes the film full of drama and closer to the true nature of sports films: never give up until the ball hits the ground! It has both tears, ignition and laughter, and it is quite family-friendly in the Spring Festival file.

What’s more, there is almost no slogan-style chicken soup stacking and blunt value output in the film, and there are no practical problems such as "high treatment in foreign leagues" and "stepping stones are not taken seriously", which is a brave attempt of domestic sports films.

The fangs of the editorial department of 1905 Film Network:At the premiere, Sun Li said that "Ping Pong in China" was closer to the "background color" of Deng Chao. After watching it, he did feel the same way. Compared with previous works, he really sank as the director and starring of this film.

As the "national ball" of China, table tennis bears different feelings and weights among the audience. Fortunately, Table Tennis in China found the most appropriate time to cut into and create its own story, but did not write "glory", but told where the "glory" came from.

The most touching line in the movie is "Choosing to be an athlete is the most difficult way", and the unique core and charm of China sports "Dream Team" is understandable in "China Table Tennis".

Deep sea(animation)

Director:

Duration: 112 minutes

Suitable for the audience:Animator, pressure emotional exporter, technical house

Ma Xun, Editorial Department of 1905 Film Network:If Tian Xiaopeng opened the door of "the rise of the country" with one movie, then, seven years later, it once again raised the ceiling of the country’s technology with a movie "Deep Sea".This movie is ambitious, trying to heal the deep fragility of human nature. As the creative team said, Deep Sea will be a controversial story.

It’s hard to explain this story in simple words. Just look at the two characters in the film, the female calling Alnitak and the male calling Nanhe. Both names are related to the traditional stars in China. The former is the seventh of the seven western nights, and the latter is one of the star officials of the seventh of the seven southern nights (Jingsu).

In the relationship between the stars and the stars, Betelgeuse and Jingsu are honored. In the movie, the two are not such a proud relationship between father and daughter. Perhaps their identity is the key point to open the story.

　　On May 16th, the reporter learned from the press conference of COVID-19 epidemic prevention and control in Guang ‘an City, Sichuan Province that, in order to ensure social zero clearing in the shortest time and block the virus transmission chain, nucleic acid testing will be carried out in Linshui County for three consecutive days from May 16th.

　　It is reported that since May 9th, Guang ‘an has reported a total of 34 local confirmed cases and 467 local asymptomatic infections (463 cases in Linshui County). May 15th 0— At 24: 00, Guang ‘an reported 14 new confirmed cases and 69 new asymptomatic infections (67 cases in Linshui County).

　　It is understood that on 15th, Guang ‘an City dispatched medical personnel, party member cadres, militiamen and volunteers from the whole city to help neighboring waters, and strived to achieve social clearing in the shortest time.

　　Luo Ronghong, the second researcher of Guang ‘an Health and Wellness Committee, introduced that the new round of global full-scale nucleic acid testing in Linshui County was divided into 26 districts, 681 sampling points and 2,159 sampling stations. By 15: 00 on the 16th, 495,143 nucleic acid samples had been collected on the first day except for the sealed control area and the control area.

　　At present, in accordance with the principle of "stopping classes and teaching", more than 380,000 primary and secondary school students in Guang ‘an have switched to online teaching except the third grade. (Reporter Chen Di, Dong Xiaohong)

CCTV News:The Lunar New Year is approaching. In Luzhou, Sichuan, many citizens have also begun to prepare for the New Year’s goods, and some festive decorations are naturally indispensable.

The reporter came to Area 5 of Southwest Trade City, where red lanterns were hung high at the door of every shop, creating a festive scene of prosperity. Walking into the store, all kinds of decorations such as Spring Festival couplets, blessings, New Year pictures, palace lanterns and Chinese knots are available.

Sichuan Luzhou merchants:Chinese New Year is usually lanterns, couplets, as well as blessings, pendants and peppers. All the strings are there. Now the sales volume is better, or couplets, blessings and strings.

Sichuan Luzhou merchants:This kind of tiger with bags carries three bells, and these bags are also easier to sell. This tiger painting posted on the door and on the window is also easy to sell. These red envelopes and Happy New Year are also easy to sell.

The prosperous decorations are filled with the full flavor of the year, and the dazzling array of ornaments has earned everyone’s attention, attracting many citizens to stop and choose.

Citizens of Luzhou, Sichuan:The Chinese New Year still needs a Chinese New Year atmosphere, with blessings and lanterns. Everyone is happy and beaming during the Chinese New Year.

Press conference video

　　At 10: 00 on April 12, 2022, the Information Office of the Provincial Government held a press conference on tackling the key problems of pollution prevention and control in Henan Province in 2022.

　　Release content:This paper mainly introduces and interprets the implementation plan of the tough battle of air, water and soil pollution prevention and control in our province in 2022 and the tough battle of agricultural and rural pollution prevention and control, and answers questions from journalists and friends.

　　Published by:

　　Member of the Party Group and Deputy Director of the Department of Ecology and Environment of Wang Chaojun Province

　　Director, Water Ecological Environment Division, Department of Ecological Environment, Lili Province

　　Director, Atmospheric Ecological Environment Division, Zhoufeng Provincial Department of Ecological Environment

　　Director, Soil Ecological Environment Division, Department of Ecological Environment, Liu Shuqiang Province

　　Moderator:

　　Chang Yiyuan, Director of Press Release Office of Propaganda Department of Provincial Party Committee

　　Chang Yiyuan, Director of Press Release Office of Propaganda Department of Provincial Party Committee

　　Ladies and gentlemen, friends from the press,

　　Hello everyone! Welcome to the press conference held by the Information Office of Henan Provincial People’s Government.

　　In order to further promote the construction of ecological civilization, resolutely fight the tough battle of pollution prevention and control, and constantly meet the people’s needs for a beautiful ecological environment, recently, with the consent of the provincial government, the Office of the Ecological Environment Protection Committee of Henan Province issued the "Implementation Plan for the Battle of Air, Water and Soil Pollution Prevention and Control in Henan Province in 2022 and the Battle of Agricultural and Rural Pollution Prevention and Control", which made a comprehensive arrangement for our province to further strengthen the ecological environment protection and fight the tough battle of pollution prevention and control. Today’s press conference will focus on introducing and interpreting the relevant situation of the "Program" and answering questions that the media are concerned about.

　　First of all, let me introduce the publisher who attended today’s press conference:

　　Mr. Wang Chaojun, member of the Party Group and Deputy Director of the Provincial Department of Ecology and Environment;

　　Ms. Li Li, Director of Water Eco-environment Division of Provincial Eco-environment Department;

　　Mr. Zhou Feng, Director of Atmospheric Ecological Environment Division, Provincial Department of Ecological Environment;

　　Mr. Liu Shuqiang, Director of Soil Eco-environment Department of Provincial Eco-environment Department.

　　Next, please let Mr. Wang Chaojun introduce the relevant information of the Plan.

　　Wang Chaojun, member of the Party Group and Deputy Director of the Provincial Department of Ecology and Environment.

　　Media friends:

　　Good morning everyone!

　　First of all, on behalf of the Provincial Department of Ecology and Environment, I would like to express my heartfelt thanks to all journalists and friends for their long-term concern, support and reports on ecological civilization construction and pollution prevention and control. Below, I will briefly introduce the relevant situation of the "Program".

　　First, the background of the "Program"

　　A good ecological environment is the proper meaning of high-quality development, the green background of building a beautiful China, and the inherent requirement of realizing the Chinese dream of great rejuvenation. The Central Committee of the Communist Party of China and the State Council attached great importance to tackling the problem of pollution prevention and control. The Fifth Plenary Session of the 19th CPC Central Committee clearly put forward the idea of fighting the battle of pollution prevention and control in depth. Last year, the Opinions of the Central Committee of the Communist Party of China and the State Council on Fighting the Battle of Pollution Prevention and Control in depth was issued (Zhongfa [2021] No.40). From the "resolutely fight" in the 13th Five-Year Plan to the "in-depth fight" in the 14th Five-Year Plan, the Party Central Committee with the Supreme Leader as the core has consistently attached great importance to the tackling of pollution prevention and control. It is of great significance for the provincial party committee and government to fully implement the decision-making arrangements of the CPC Central Committee, anchor the "two guarantees", implement the "ten strategies", coordinate the ecological environment protection and economic and social development, and promote the green and low-carbon transformation, so as to ensure the high-quality construction and high-level realization of modern Henan. 2022 is a crucial year to promote the implementation of the "14th Five-Year Plan" and fight the tough battle of pollution prevention in depth. Therefore, the Office of the Provincial Eco-environmental Protection Committee made overall planning, systematic planning and hierarchical promotion, and issued the "Implementation Plan for Fighting the Air, Water and Soil Pollution in Henan Province in 2022 and Fighting the Agricultural and Rural Pollution", which formed the top-level design framework and comprehensive and systematic "construction drawing" and "road map" for this year’s pollution prevention and control work.

　　Second, the overall thinking and main objectives of the "Program"

　　On the whole, the four plans adhere to the guidance of Socialism with Chinese characteristics Thought of the Supreme Leader in the New Era, thoroughly implement the spirit of the 19th National Congress of the Communist Party of China and the previous plenary sessions of the 19th National Congress, fully implement the ecological civilization thought of the Supreme Leader and the important guiding spirit of the important speech of the General Secretary of the Supreme Leader’s inspection of Henan, fully and accurately implement the new development concept based on the new development stage, integrate and serve the new development pattern, and adhere to the general tone of striving for progress while maintaining stability. Focusing on the implementation of the strategic deployment of "a strong ecological province" and the objectives and tasks of the Tenth Five-Year Plan, focusing on improving the quality of the ecological environment, taking the synergy of pollution reduction and carbon reduction as the starting point, insisting on precise pollution control, scientific pollution control and pollution control according to law, realizing the two-way promotion and mutual promotion of high-standard protection of the ecological environment and high-quality economic development, laying a solid foundation for deepening the tough battle of pollution prevention and building a beautiful Henan where man and nature coexist harmoniously. It mainly highlights three characteristics.

　　First, adhere to the people-centered development thinking. The "Proposal" takes improving the quality of the ecological environment and constantly meeting the people’s growing needs for a beautiful ecological environment as the starting point and the end result. Focusing on the outstanding ecological environment problems that the masses are concerned about, it plans governance measures in depth and strives to enhance people’s sense of happiness, acquisition and security in improving the ecological environment.

　　Second, adhere to the realization of pollution reduction and carbon reduction synergy as the overall starting point. The "Plan" takes pollution reduction and carbon reduction as the starting point, adheres to the system concept and synergy, focuses on key regions, important fields and key indicators, and promotes a comprehensive green transformation of economic and social development.

　　The third is to improve the quality of the ecological environment. The "Plan" clarifies the main objectives and key tasks of improving the quality of the ecological environment in 2022, and promotes the continuous improvement of the quality of the ecological environment by continuously increasing the intensity of tackling key problems and refining work measures.

　　The "Proposal" targets the central government, combines the actual situation of our province, and focuses on three pioneering and innovative battles, namely, the battle to eliminate heavy polluted weather, the battle to prevent ozone pollution, and the battle to protect the Yellow River, as well as three consolidation and upgrading battles, namely, the battle to prevent and control diesel truck pollution, the battle to control urban black and odorous water bodies, and the battle to prevent and control agricultural and rural pollution, so as to further quantify our province’s key objectives and tasks this year. In terms of atmosphere, the annual average concentration of fine particulate matter (PM2.5) in ambient air in the province is controlled below 51 μ g/m3, the annual average concentration of inhalable particulate matter (PM10) is controlled below 85 μ g/m3, the proportion of days with excellent ambient air quality is not less than 64.2%, and the proportion of days with heavy pollution is controlled below 3.0%. In terms of water, the annual target of surface water environmental quality issued by the state and determined by our province has been completed. The water quality compliance rate of centralized drinking water sources in cities above the county level has reached 100% (except for high natural background value), and the water quality of Taocha water intake of Danjiangkou Reservoir in the Middle Route of South-to-North Water Transfer Project has reached Class II. In terms of soil, the safe utilization rate of polluted cultivated land is over 95%, and the safe utilization of key construction land is effectively guaranteed. The proportion of V-type water in the national examination area of groundwater is controlled within 25%. In agriculture and rural areas, 1,200 new administrative villages have completed rural environmental improvement, and the rural domestic sewage treatment rate has reached 36%. The rural domestic garbage collection, transportation and disposal system covers all villages and operates stably; The utilization rate of chemical fertilizer and pesticide for main crops reached 41% and 40.8%, respectively.The recovery rate of agricultural film is stable above 90%, and the comprehensive utilization rate of livestock manure is maintained above 82%.

　　III. Key tasks of the Program

　　The "Program" defined 101 key tasks in 27 aspects of the four major pollution prevention and control battles, including air, water, soil and agriculture and rural areas.

　　In-depth fight against air pollution mainly includes: adjusting and optimizing industrial structure, promoting green and low-carbon transformation and development, and resolutely curbing projects with high energy consumption and high emissions; Deeply adjust the energy structure, promote clean production and low-carbon and efficient use of energy, and accelerate the formation of a green and low-carbon lifestyle; Continuously adjust the transportation institutions and fight the tough battle of diesel truck management; Optimize and adjust the land use structure, strengthen the control of non-point source pollution, and improve the control level of dust, open-pit mines, fireworks and firecrackers, agriculture, etc. Strengthen the control of volatile organic compounds, fight the tough battle of ozone pollution prevention and control, and speed up the short board of ozone pollution control; Strengthen regional joint prevention and control, and fight hard to eliminate heavy pollution weather; Strengthen basic capacity building and continuously promote the modernization of atmospheric environmental governance system and governance capacity.

　　In-depth fight against water pollution, it mainly includes: continuing to fight the battle against urban black and odorous water bodies, consolidating and improving the effectiveness of black and odorous water bodies in the built-up areas of provincial cities, and preventing black and odorous; Continue to promote the investigation and treatment of black and odorous water bodies in the built-up area of the county. Efforts will be made to fight the tough battle of ecological protection and management of the Yellow River, carry out investigation and rectification of sewage outlets and comprehensive management of water environment, and eliminate the inferior category V in the national examination section. Strengthen the prevention and control of water environmental risks, and prepare the emergency disposal plan of "one river, one policy and one map" to consolidate and improve the level of drinking water safety. Promote the management and restoration of the ecological environment of rivers and lakes, create "beautiful rivers and lakes", and improve the quality of water ecological environment.

　　In-depth fight against soil pollution mainly includes: deepening the detailed investigation of soil pollution, strengthening the prevention and control of soil pollution sources, and comprehensively improving the supervision ability of solid waste; Prevent new soil pollution in industrial and mining enterprises and promote green upgrading of industrial enterprises; Implement classified management of agricultural land according to law and strictly implement the early warning system of cultivated land soil; Effectively control the soil pollution risk of construction land, and promote the control and restoration of soil pollution risk; Strengthen the coordinated prevention and control of soil and groundwater pollution, and implement measures to meet or maintain water quality standards; Improve the ability of soil environmental supervision, strengthen the construction of institutional mechanisms and scientific and technological support.

　　In-depth fight against pollution in agriculture and rural areas mainly includes: strengthening overall planning, zoning and classifying policies, and scientifically promoting agricultural domestic sewage treatment; Highlight both the symptoms and the root causes, systematically manage the source, and promote the long-term clean-up of black and odorous water bodies in rural areas; Further promote rural environmental improvement and consolidate the effectiveness of rural environmental improvement; Implement the actions of reducing and increasing the efficiency of chemical fertilizers and pesticides and recycling agricultural films; Strengthen the prevention and control of aquaculture pollution, strengthen the supervision and guidance of agricultural non-point source pollution control, and promote the green and low-carbon development of agriculture.

　　Focusing on the realization of the goal of tackling key problems in pollution prevention and control in 2022, the Provincial Department of Ecology and Environment will intensify innovation in technology, policy and management to improve the modernization level of ecological environment management. Comprehensive use of legal, economic, administrative and other policy tools, increase the basic capacity building of ecological environmental protection, promote the completion of shortcomings in environmental infrastructure, and improve the effectiveness of ecological environmental supervision and law enforcement. Deepen the effectiveness assessment of the tough battle against pollution, and comprehensively use various means to urge the municipal and county governments to implement territorial responsibilities. Intensify publicity, strengthen contact and communication with the central and provincial major media and new media, vigorously promote public participation in atmospheric environmental protection, and unite the joint efforts to fight the battle against pollution. thank you

　　Chang Yiyuan, Director of Press Release Office of Propaganda Department of Provincial Party Committee

　　thank you Now welcome all journalists and friends to ask questions on issues of concern. Please also inform your news organization before asking questions.

　　Henan Daily reporter

　　As mentioned in the release just now, the "Proposal" will focus on three landmark battles: eliminating heavy polluted weather, preventing ozone pollution and controlling diesel truck pollution, so as to promote the continuous improvement of ambient air quality. Excuse me, what are the specific promotion measures? Thank you.

　　Zhou Feng, Director of Atmospheric Ecological Environment Division of Provincial Ecological Environment Department.

　　Thank you for your question. It is a major decision made by the CPC Central Committee and the State Council to fight the blue sky defense war. In recent years, through the unremitting efforts of the whole province, the ambient air quality in our province has been significantly improved, and the people’s sense of happiness and gain in the blue sky has been significantly enhanced. However, compared with the national standards and people’s expectations, the air pollution problems in key areas and areas in our province are still outstanding, the air quality indicators of PM10, PM2.5 and excellent days are still at a high level, and the heavily polluted weather in autumn and winter is still high and frequent; Ozone pollution has become increasingly prominent, which has become the primary factor leading to excessive air quality in some cities in summer; The pollution of diesel trucks has not been effectively solved, and mobile sources have become one of the main sources of nitrogen oxide emissions, contributing greatly to PM2.5 pollution in autumn and winter and ozone pollution in summer. In order to implement the relevant requirements of "Opinions of the State Council City, the Central Committee of the Communist Party of China Province on Deepening the Fight against Pollution", in accordance with the unified arrangements of the provincial party committee and the provincial government, the Provincial Department of Ecology and Environment adheres to the problem orientation, deeply analyzes the situation of air pollution prevention and control in the province, and focuses on three landmark battles of eliminating heavy pollution weather, ozone pollution prevention and control, and diesel truck pollution control, which are based on the present and long-term. In conjunction with relevant departments, the Implementation Plan for Fighting against Air Pollution in Henan Province in 2022 was formulated and issued, which clarified 37 key measures in eight aspects, focused on solving outstanding environmental problems that people care about, and strived to achieve new breakthroughs in key areas, important fields and key indicators. Focus on the following measures:

　　The first is to promote the green transformation and upgrading of the industry. Actively support the development of strategic emerging industries such as energy conservation, environmental protection and new energy, and resolutely curb the blind construction of projects with high energy consumption and high emissions; Continue to promote the relocation of heavily polluting enterprises, implement the dynamic "zero clearing" of backward production capacity and "scattered pollution" enterprises, and actively promote the closure and integration of backward coal-fired small thermal power units (including self-provided power plants) within a reasonable radius of heating for cogeneration units above 300,000 kilowatts; Implement the comprehensive improvement project of traditional industrial clusters, and guide the transformation, upgrading and integration of industrial furnaces such as gas producer, cupola and brick kiln.

　　The second is to promote clean and low-carbon energy transformation. Optimize the energy supply structure, vigorously develop new and renewable energy sources, and implement energy-saving and carbon-reducing transformation projects for key energy-using units; Carry out comprehensive management of scattered and inefficient coal, increase the substitution of loose coal in civil and agricultural fields, solidly promote the clearing of loose coal in plain areas, accelerate the "double reform" of replacing coal with electricity in tobacco curing barn and edible fungi enterprises in the province, and strictly prevent the re-burning of loose coal; Vigorously promote energy-saving transformation and cleaner production, completely eliminate coal-fired boilers with a capacity of 35 tons/hour or less, and encourage industrial furnaces and kilns that use highly polluting fuels to switch to clean and low-carbon energy such as industrial waste heat, electric energy and natural gas.

　　The third is to build a clean and low-carbon transportation system. Accelerate the construction of special railway lines and vigorously promote the railway or waterway transportation of bulk goods such as coal, ore, coke and building materials (including sand and gravel aggregates); Focusing on the use of vehicles in the public domain, we will actively promote the new energy utilization of buses, municipal sanitation, urban logistics, postal express, muck and cement tankers in urban built-up areas of provincial cities, and improve the green and low-carbon level of motor vehicles, boats and off-road mobile machinery; We will steadily push forward the elimination of diesel trucks and gas trucks with emission standards below the national standard 4 and complete the elimination of diesel trucks and gas trucks with emission standards below the national standard 3.

　　The fourth is to deepen pollution control in key industries. Accelerate the ultra-low emission transformation of steel, cement and coking industries, and continue to implement differentiated electricity price policies; Deepen the pollution control of coal-fired power plants, flat glass, refractories, metal smelting, brick kilns, ceramics, carbon, lime and other industries, establish and dynamically update the list of full-caliber furnaces and kilns, and implement the refined management of "one furnace and one policy"; Carry out a comprehensive upgrading project for inefficient treatment facilities, establish a list of inefficient treatment facilities such as dust removal and desulfurization integration, simple alkali desulfurization, simple ammonia desulfurization and denitrification, and wet denitrification, and complete the upgrading within a time limit; Strengthen the "cultivation project" of performance grading in key industries, guide and help enterprises to "reach the standard gradient", and scientifically implement precise and differentiated control measures.

　　Fifth, strengthen the comprehensive management of volatile organic compounds (VOCs). Promote the replacement of raw and auxiliary materials in automobile manufacturing, industrial painting, packaging and printing, furniture manufacturing, steel structure manufacturing, construction machinery and other industries, carry out the clean-up and rectification of simple and inefficient VOCs treatment facilities, and strengthen the whole process management of VOCs at the source, process and end; Carry out comprehensive improvement of VOCs-related industrial clusters, formulate a "one park, one policy" promotion plan, encourage and support parks and clusters with concentrated coating process enterprises, large amount of activated carbon and large amount of organic solvents, and make overall planning and construction of centralized coating centers, centralized activated carbon recycling treatment centers and organic solvent recovery centers; Strengthen the control of VOCs in the whole process of oil storage, transportation and marketing, establish a normalized oil product supervision and inspection mechanism, and severely investigate and deal with acts that undermine the sealing of tank cars during unloading, oil distribution, transportation and parking.

　　Sixth, strengthen the control of non-point source pollution. Implement inventory dynamic management of key pollution sources of dust, vigorously promote the cleaning and cleaning of urban public roads, effectively improve the cleaning and cleaning effect of national and provincial roads, county and township roads, urban-rural junctions and back streets and alleys, and improve the dust monitoring and evaluation system; We will continue to strengthen the ban on burning straw and fireworks and firecrackers, strengthen the comprehensive control of odor pollution in sewage treatment, garbage disposal, livestock and poultry breeding, rubber, plastic products, food processing and other industries, and solve outstanding environmental problems reflected by the people.

　　Seventh, effectively deal with heavy polluted weather. Improve the joint consultation mechanism of regional air quality forecast and strengthen the joint prevention and control of regional air pollution; Focus on key areas, key areas and key time periods, and establish a closed-loop management mechanism to deal with heavy polluted weather by locking in high-value areas of air quality indicators, analyzing key points, tracing the source, prescribing and promoting governance, and improving quality; Standardize the workflow of early warning, start-up, response and cancellation of heavily polluted weather, comprehensively implement performance grading and differentiated management and control of key industries, strengthen standardized management of emergency emission reduction lists, and achieve "good air quality and low production impact".

　　Eighth is to consolidate basic capacity building. Carry out scientific and technological research on coordinated prevention and control of PM2.5 and ozone, accelerate the construction of "six factors" air automatic monitoring stations in key townships (towns), improve the integrated monitoring system of "heaven, earth and air", expand the automatic monitoring scope of industrial pollution sources, and promote the construction of online monitoring system for ammonia emission; Widely use scientific and technological means such as online monitoring of pollution sources, blue sky guards, satellite remote sensing, hotspot grid and navigation monitoring, and take off-site supervision as an important way of daily law enforcement inspection; Improve the efficiency of supervision and law enforcement, carry out special law enforcement inspection actions for coordinated control of PM2.5 and ozone, severely investigate and punish abnormal operation of automatic monitoring equipment and falsification of monitoring data according to law, and promote enterprises to abide by the law.

　　During the "Fourteenth Five-Year Plan" period, the "Blue Sky Defence War" entered a new stage of precise haze control, focusing on three landmark battles: heavy pollution weather elimination, ozone pollution prevention and control, and diesel truck pollution control, and strengthening the coordinated control of regional air pollution, which has been a long-term contribution and continued to exert its strength, constantly enhancing the people’s sense of blue sky and white clouds and happiness. thank you

　　Henan Radio and Television Station, Elephant Journalist

　　We have noticed that this year’s "Implementation Plan for Water Pollution Prevention and Control" proposes to create "beautiful rivers and lakes". What are the main considerations? In addition, what plans and plans are there to create beautiful rivers and lakes? Thank you.

　　Li Li, Director of Water Eco-environment Division of Provincial Eco-environment Department

　　Thank you for your question. As you mentioned, our province will carry out the creation of "beautiful rivers and lakes", mainly based on the following considerations:

　　On the one hand, it is the need for our province to fight the tough battle of water pollution prevention and control. In recent years, our province has thoroughly implemented the decision-making arrangements made by the CPC Central Committee and the State Council on deepening the battle against pollution, and continuously improved the quality of water ecological environment in the province, and achieved positive results. In 2021, among the 160 surface water quality monitoring sections in our province, 127 were Class I-III water quality monitoring sections, accounting for 79.9%, 6.1 percentage points higher than the national target; There is no inferior V water quality section, and the water environment quality continues to improve. However, it should also be noted that the water conservation function is damaged, the ecological buffer zone of rivers and lakes is invaded and destroyed, the wetland area is shrinking, the aquatic ecosystem is degraded, and the aquatic biodiversity is declining. The aquatic ecological situation has become a prominent shortcoming for further building beautiful rivers and lakes. Therefore, after the breakthrough in water pollution prevention and control, it is conditional and necessary to provide more high-quality public ecological products for the people through the creation of beautiful rivers and lakes, and further improve the water ecological environment and urban quality.

　　On the other hand, it is the need to implement the national water pollution prevention and control policy. During the "14th Five-Year Plan" period, China’s water ecological environment protection has expanded from the water environment to the overall planning of water resources, water ecology and water environment, and implemented the management of grass and sand systems in landscape forests, fields and lakes. The focus of work has changed from water quality improvement to water ecological protection, and the protection and construction of beautiful rivers and lakes is one of the important measures. In 2021, the Ministry of Ecology and Environment launched the first collection of outstanding cases of beautiful rivers and lakes, and submitted more than 130 cases nationwide. After layers of screening, 18 cases of beautiful rivers and lakes were finally identified nationwide, and Qihe (Hebi section) in our province was among them, which explored the way for the protection and construction of beautiful rivers and lakes in water-deficient areas in the north, provided referential and replicable experience for water-deficient areas, and also made a good start for the creation of beautiful rivers and lakes in our province.

　　At present, the work of beautiful rivers and lakes in our province is still in its infancy, and there is still a lack of relevant technical guidance and normative support for the establishment standards and evaluation indicators of beautiful rivers and lakes. At the end of last year, the "14th Five-Year Plan for Water Security and Water Ecological Environment Protection in Henan Province" was issued, which clearly stated "to promote the creation and protection of beautiful rivers and lakes, actively explore the establishment system of beautiful rivers and lakes, and study the evaluation indicators and standards of provincial beautiful rivers and lakes". This year, our province will step up the construction of the index system for the construction of beautiful rivers and lakes and the research and formulation of the selection methods for beautiful rivers and lakes, introduce the selection methods for provincial beautiful rivers and lakes as soon as possible, promote the selection of provincial beautiful rivers and lakes, and publish a number of provincial beautiful rivers and lakes every year. At the same time, actively participate in the collection of outstanding cases of national beautiful rivers and lakes, invite relevant experts to give technical guidance on the basis of voluntary reporting in various places, and jointly with relevant units, carry out on-site verification, evaluation and scoring, and publicly solicit opinions in accordance with the relevant requirements of national beautiful rivers and lakes selection, and then report the best to the Ministry of Ecology and Environment. Through the activities of creating beautiful rivers and lakes, we will continue to promote the utilization of water resources, water ecological protection and water environment management, effectively control the discharge of various pollutants in the basin, and achieve a fundamental improvement or stability in water quality; Accelerate the transformation of high water consumption development mode and the utilization of regional recycled water, and ensure the ecological flow (water level) of rivers and lakes; The ecosystem of rivers and lakes is good, the eco-environmental functions of rivers and lakes and their buffer zones are maintained or restored, the coverage rate of aquatic vegetation reaches an appropriate level, and biodiversity is effectively protected; A long-term supervision mechanism for rivers and lakes has been gradually established.The ecological service function and the value of ecological products have been continuously improved, and efforts have been made to create a number of exemplary beautiful rivers and lakes, restore the rivers and lakes with smooth rivers, clear lakes, green shores and beautiful scenery, and establish a number of beautiful business cards with their own characteristics, so that the construction of beautiful rivers and lakes can become the forerunner of high-quality development in Henan Province and write a brilliant chapter of the Central Plains in the new era. thank you

　　China Environmental News reporter

　　We have noticed that it is mentioned in the "Plan" that the risk of soil pollution in construction land should be effectively controlled, especially the land whose use is changed to residential, public management and public service land has become the focus of management. Excuse me, what are the specific measures for control? How will we ensure the safety of the living environment and let the people "live with peace of mind"? Thank you.

　　Liu Shuqiang, Director of Soil Ecological Environment Division of Provincial Ecological Environment Department.

　　Thank you very much for your question. Ensuring the safe use of construction land and letting people live in peace of mind is an important ecological environment product related to people’s livelihood. With the acceleration of urbanization in our province, the scale of planned construction land will continue to increase, and chemical production enterprises in densely populated areas will gradually relocate. Once the construction land is polluted, it will be difficult, long-term, costly and there will be environmental risks in development and utilization. Therefore, the management of construction land is an important content of the pure land defense. This year, under the strong leadership of the provincial party committee and the provincial government, together with natural resources, agriculture and rural areas, we will continue to fight the tough battle of soil pollution prevention and control, adhere to prevention first, protection first, classified management and risk control, always put the vital interests of the people first, comprehensively improve the management level of soil environment, and ensure the safe use of construction land to be effectively guaranteed. Focus on the following three measures: First, implement directory management according to law. Strictly implement the soil law, and implement the risk management and control of soil pollution in construction land and the list system of remediation. At present, there are 625 suspected contaminated plots in our province that have completed the pollution investigation, and 10 contaminated plots that are determined to be risky and unacceptable to human health are included in the list. The plots listed in the list shall not be used as residential, public management and public service land. Those who meet the requirements of risk control or remediation can only be developed and utilized after the person responsible for soil pollution and the land use right holder can apply for removal from the list. The second is to strictly implement risk management and control. Focusing on the land whose use is changed to residential, public management and public service land,Promote the responsible subject to carry out the investigation of soil pollution. Strictly control the use of polluted plots, strictly control the planned use of heavily polluted plots in pesticide, chemical and other industries, and encourage them to be used to expand ecological space if they really need to be developed and utilized. Strengthen risk management and supervision of remediation projects, resolutely crack down on illegal disposal of contaminated soil in transit, and effectively control secondary pollution in the process of remediation of contaminated plots. The third is to prevent new soil pollution. According to the regulations on the management of the list of key pollutant discharge units, 1012 key soil pollution supervision units were updated this year, and they were urged to implement legal obligations such as hidden danger investigation and self-monitoring. Promote the green transformation of iron and steel, petrochemical, chemical, leather, non-ferrous metal mining and smelting, electroplating and other industries. Enterprises that find problems in hidden danger investigation can implement pipeline and sealing transformation according to the situation, reduce leakage and prevent soil pollution from the source. thank you

　　Yang Guangwang reporter

　　There are many villages in Henan province with various forms, and the treatment of domestic sewage has always been the key and difficult point in the improvement of rural human settlements. Excuse me, how do we consider the next step in promoting the treatment of rural domestic sewage in the province? Thank you.

　　Wang Chaojun, member of the Party Group and Deputy Director of the Provincial Department of Ecology and Environment.

　　Thank you for your questions. The people’s yearning for a better life is our goal. With the continuous promotion of the rural revitalization strategy, agriculture has become stronger, farmers have become rich and the countryside has become beautiful. However, the people’s requirements for the living environment are getting higher and higher, especially for domestic sewage treatment, toilet renovation and garbage removal.

　　The Central Committee of the Communist Party of China and the State Council issued "Opinions on Deepening the Fight against Pollution", which put forward clear requirements for the treatment of rural domestic sewage, which is an important part of improving rural living environment.

　　In recent years, under the leadership of the provincial party committee and the provincial government, the Provincial Department of Ecology and Environment has closely focused on the rural revitalization strategy, combined with the situation of Henan Province, and actively explored new governance paths oriented to source reduction, classified disposal and resource utilization. Up to now, the treatment rate of rural domestic sewage in our province has reached 34%, ranking in the forefront of central and western provinces; During the 14th Five-Year Plan, we plan to increase the rural domestic sewage treatment rate by three percentage points every year. By the end of the 14th Five-Year Plan, the rural domestic sewage treatment rate in our province will reach 45%.

　　Since the "Thirteenth Five-Year Plan", 10,607 villages in our province have completed environmental renovation. The renovated villages must meet the following three standards: first, the treatment rate of rural domestic sewage is over 60%, second, the treatment rate of black and odorous water bodies is over 80%, and third, the completion rate of standardized renovation of centralized drinking water sources is over 80%. Up to now, the renovated villages in our province account for about 23.3% of the 45,000 administrative villages in the province. Through unremitting efforts in recent years, This year, we will focus on four aspects:

　　The first is to improve the governance system. Adhere to the integration of urban and rural areas, take the city as the driving force, and guide all localities to accelerate the construction of a governance system led by the county-level government+the construction and operation of professional companies+the unified supervision of the ecological and environmental departments. Pay attention to the promising government and effective market, encourage all localities to rely on urban sewage treatment plants or select professional companies to be responsible for the operation and maintenance of rural domestic sewage construction, promote the unified planning, unified construction, unified operation and unified management of rural domestic sewage treatment, and continuously improve the unified, professional and market-oriented level of rural domestic sewage treatment.

　　The second is to highlight key areas. In line with the development trend of new urbanization, our province is considering giving priority to rectification in five aspects: First, the township government is located, and the township government must implement centralized treatment of domestic sewage. Up to now, there are still 608 towns and villages in our province that have not achieved centralized treatment of sewage, and the province requires that by the end of next year, the 1,788 towns and villages in the province must achieve full coverage of domestic sewage treatment facilities; Second, there are primary and secondary protected areas on both sides of the main canal of the Middle Route of South-to-North Water Transfer Project. According to statistics, there are still 774 villages in the primary and secondary protected areas on both sides of the main canal of the Middle Route of South-to-North Water Transfer Project with imperfect sewage treatment facilities, so we should increase the control efforts in stages. Third, along the main and tributaries of the Yellow River. According to statistics, there are 55 township governments located along the main and tributaries of the Yellow River that have not built centralized sewage treatment facilities. The province requires that construction must be started this year and completed in the first half of next year. Fourth, the urban-rural fringe; Fifth, scenic spots.

　　The third is to adhere to local conditions. Guide all localities to fully consider their own level of economic and social development, and do not go beyond the development stage to engage in large-scale financing and construction, or blindly copy the urban model to seek foreign countries. Do what is accurate first, wait for what is not, and strive for progress steadily, seeking good but not seeking fast. Sewage treatment should be centralized and decentralized, and the technical mode with low cost, simple maintenance and effective treatment should be optimized, and the sewage resource utilization combined with agricultural production should be actively promoted. Villages around the town should be brought into the urban sewage pipe network for centralized treatment; Villages with high population concentration and high water quality discharge requirements adjacent to drinking water sources should be treated centrally; Villages with scattered residence and less sewage production can focus on improving toilets and realize local recycling.

　　The fourth is to strengthen operational management and protection. We will focus on the classified rectification and upgrading of rural domestic sewage treatment facilities that are not operating normally, combine problem rectification with sound long-term mechanism and post-disaster reconstruction, and establish "three accounts" for facilities that have been upgraded and upgraded, facilities that have not been upgraded and facilities that have been damaged by water, with one station, one meter, account and sales number, and classified policies. We will promote the establishment and improvement of the operation and maintenance management mechanism of sewage facilities in various places through problem rectification, and strive to achieve a normal operation rate of 90% by the end of 2023 and after 2019.

　　Although some achievements have been made, our province is a big agricultural province, with a large rural population, weak foundation and little security, which needs to be further strengthened. Taking this opportunity, I also hope that all sectors of society will continue to support, care and help the rural domestic sewage treatment work in our province and make the rural construction in our province more beautiful and livable. Thank you!

　　Chang Yiyuan, Director of Press Release Office of Propaganda Department of Provincial Party Committee

　　Thank you for your questions, and thank you for your detailed introduction! That’s all for today’s on-site questions. If you have any other questions you need to know, you can contact the Provincial Department of Ecology and Environment after the conference.

　　Dear friends, a good ecological environment is not only natural wealth, but also economic wealth, which is related to the potential and stamina of economic and social development. Through today’s press conference, I believe everyone knows that the Plan not only provides strategic support for our province to fight for the defense of blue sky, clear water and pure land with high standards, but also has great significance for ensuring the high-quality construction and modernization of Henan during the 14 th Five-Year Plan period. Here, I hope that the news media can continue to pay attention to the construction of ecological civilization in our province, vigorously publicize the highlights and achievements of the construction of a strong ecological province, guide the society to form an ecological protection pattern in which everyone participates and builds together, and create a good atmosphere for building a beautiful Henan where man and nature coexist harmoniously.

　　This concludes today’s press conference. Thank you again, journalists and friends! Thank you publishers! Goodbye.

Notice on Promoting National Sign Language and National Braille

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

National universal sign language promotion program

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

I. Mission objectives

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

Second, the main measures

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Third, the guarantee conditions

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

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

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

National General Braille Promotion Program

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

I. Mission objectives

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

Second, the implementation steps

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

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

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

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

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

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

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

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

(3) Special education normal students.

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

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

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

(5) Official activities and examinations.

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

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

Third, the main measures

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

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

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

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

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

Fourth, the guarantee conditions

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

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

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

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

　　CCTV News:According to the "Kaifeng Release" WeChat WeChat official account news, the Office of the COVID-19 Epidemic Prevention and Control Command in lankao county issued a notice on July 24, saying that in view of the fact that there have been two asymptomatic infected people in Covid-19 in lankao county, in order to effectively block the hidden spread of the epidemic and protect people’s health and life safety, after research by the COVID-19 Epidemic Prevention and Control Command of the county, it was decided to carry out all-staff nucleic acid testing throughout the county. The relevant matters are hereby notified as follows:

　　I. Sampling time

　　July 24 -26.

　　Second, the sampling object

　　All residents in lankao county area (including local permanent population, temporary population, temporary floating population, foreign population, etc.).

　　Third, the sampling location

　　Sampling points are divided into fixed sampling points and mobile sampling points. Residents are requested to take part in sampling at the sampling point in their place of residence in principle according to the organization arrangement of village (community) staff, and can take samples at the workplace after reporting to the village (community) in special circumstances.

　　Fourth, special notice

　　(1) The residents are requested to actively cooperate with the sampling staff to do a good job in sample collection. The public security organs will strictly investigate the legal responsibilities of those who refuse to cooperate with or support the nucleic acid detection work, disturb the order, conceal, falsely report or falsify information.

　　(2) Do personal protection during the period of participating in nucleic acid sampling, wear a mask all the time, take the initiative to accept temperature detection, and keep a distance of more than one meter to avoid gathering and talking with each other, and effectively prevent cross-infection during sampling.

　　(3) During the whole staff’s nucleic acid testing period, the residents in the county do not have to leave Lanzhou and do not flow unless necessary.

[Text/Observer Network Wang Shichun]

On December 8, Hong Kong police seized a large number of dangerous weapons, including a compact glock)19/23 pistol and 105 rounds of ammunition. The bullets of this type of pistol are basically the same as those of the active pistol of the Hong Kong Police.

Military commentators of Observer Network judged that this gun was not a legitimate gun produced by Glock’s original factory, but a "black gun" assembled by American manufacturer Polymer80 products, without any logo, number and ballistic record. Although the product sold by Polymer80 is a semi-finished blank, the gun body has been processed to 80%, and the mob may smuggle the rest of the parts "processed with materials" and finally assemble this black gun.

If the mob used this gun to open fire in the crowd, then the Hong Kong police could not produce the ballistic record of this gun in the subsequent investigation. Today, with the intensification of conflicts in Hong Kong, if the Hong Kong police can’t produce ballistic records for a long time, it is bound to be framed by mobs and put the Hong Kong police at a disadvantage.

The real guns and magazines seized are from Hong Kong media.

Hong Kong TVB TV reported on December 8 that 75 police officers from the Organized Crime and Triad Bureau of the Hong Kong Police raided 11 addresses in Hong Kong and smashed a criminal gang in the early morning of the 8 th. During the illegal assembly in Mong Kok on October 20th, the gang used petrol bombs to attack the Mong Kok Police Station.

In the end, the Hong Kong police seized a large number of dangerous weapons in the mob’s home, including a compact glock)19/23 pistol and 105 bullets. Among them, three magazines are full of bullets. Li Guihua, Senior Superintendent of the Organized Crime and Triad Bureau, said that the Hong Kong Police Force had received a tip earlier that "(this gang) plans to use firearms to create chaos in today’s assembly and procession, including shooting police officers or framing police officers to hurt passers-by".

After studying by military commentators of Observer Network, the mob has a "black gun" modified from Glock 19/23 blank made by American manufacturer Polymer80.

Made by American manufacturer Polymer80, the blank of Glock 19/23 Source: Polymer80 Company official website.

Polymer80 is a company specializing in the manufacture of rough firearms within the scope of "permitted by American law". The rough produced by the company can circulate freely in the market without registration even if there is no serial number.The company’s pistol is characterized by no marks, numbers and ballistic records. The Hong Kong police can’t find available information through the ballistic records and serial numbers of firearms.Only through time-consuming and laborious criminal investigation can the source of guns be traced back.

It is worth mentioning that when Polymer80 sells gun blanks, it not only includes rough blanks, but also small parts, clamping fixtures and necessary drill bits. On the official website of Polymer80, there are also documents that teach you how to process it step by step to the usable level.

Glock in the hands of thugs is a product numbered PF940C. Although it is a rough imitation of the compact Glock 19/23, the machining degree has reached 80%, and all the basic parts of the sleeve seat have been machined, while the sleeve, trigger and barrel are sold separately.

When Polymer80 sells gun blanks, it not only includes blank, but also small parts, clamping fixtures and necessary drill bits. Source: Polymer80 Company official website.

The sleeve seat set is priced at $160, and another sleeve and barrel with high completion is priced at $450, but it shows that it is out of stock. Source: Polymer80 Company official website.

Glock pistol is one of the largest selling pistols in the world, so the parts of this pistol are not hard to find. In Southeast Asia, where gun crimes are frequent, many small weapons factories also independently produce the whole gun and parts of Glock pistols. Mobs may use parts smuggled from abroad to assemble a "black gun" without any marks, numbers and ballistic records.

The underground gun workshop in the Philippines is producing the American-made M1911 pistol, but it is not difficult to produce Glock’s parts.

The Hong Kong police displayed the captured Tatsu Yamashiro map from social media

At present, the Hong Kong police have two types of Glock, namely glock 17 and Compact Glock 19, which are currently used by the Hong Kong Police Small Boat Division (Maritime Emergency Response Team), Witness Protection Team, vip protection unit, Tracking Support Team, Airport Special Police Team, Railway Emergency Response Team, Counter-Terrorism Special Service Team and Special Task Company.

Due to the formal introduction channels, every Glock pistol of the Hong Kong police has a clear ballistic record.

Video screenshot of Hong Kong CTRU using Glock pistol.

Gun experts told Observer.com that if the mob framed the Hong Kong police with this gun, the Hong Kong police could not produce the ballistic record of this gun in the follow-up investigation. Today, with the intensification of conflicts in Hong Kong, if the Hong Kong police can’t produce ballistic records for a long time, it is bound to be hyped by mobs and framed at a disadvantage.

The Hong Kong police are investigating the purpose of the mob holding a gun. Li Guihua said that this is the first time that the Hong Kong police have seized real guns since the "chaotic demonstrations in Hong Kong", so they are very nervous. The source of this real gun will be one of the focuses of the Hong Kong Police Force’s close investigation in the future.

He stressed that this pistol is not a specification used by the Hong Kong Police Force. When someone asked at the press conference whether the perpetrators tried to frame the plainclothes police in Hong Kong this time, Li Guihua said, "I dare not say more now."

This article is an exclusive manuscript of Observer. It cannot be reproduced without authorization.