Text/Guangzhou Daily All-Media Reporter Lin Xiaoli

　　Yesterday, the first quotation after the reform of LPR formation mechanism was announced, and the one-year LPR was 4.25%, which was lower than the current benchmark interest rate of 4.35%, in line with expectations.

　　On the same day, Liu Guoqiang, deputy governor of the central bank, said that the new LPR mechanism will help reduce the financing costs of enterprises, especially private and small and micro enterprises, but the personal mortgage interest rate will not fall. It is revealed that the People’s Bank of China will issue an announcement on the interest rate policy of individual housing loans in a few days.

　　On August 20th, the first quotation was announced after the reform of the loan market quotation rate (LPR) formation mechanism. According to the data of the National Interbank Funding Center at 9: 30, the one-year LPR is 4.25%, which is lower than the current benchmark interest rate of 4.35%, in line with market expectations. The new LPR over five years is 4.85%, which is also lower than the current benchmark interest rate of 4.9%.

　　On the same day, the State Council held a regular briefing on relevant policies. At the meeting, Liu Guoqiang, deputy governor of the central bank, said that the new LPR mechanism will help reduce the financing costs of enterprises, especially private and small and micro enterprises, but the interest rate of personal mortgage will not drop. It is revealed that the People’s Bank of China will issue an announcement on the interest rate policy of individual housing loans in a few days.

　　All kinds of bank loans should be priced with reference to LPR.

　　On August 17th, the central bank issued "Announcement No.15", saying that it decided to reform and improve the LPR formation mechanism, and authorized the National Interbank Funding Center to announce the loan market quotation rate at 9: 30 on the 20th of each month (postponed in case of holidays).

　　18 quotation banks shall make quotations to the National Interbank Funding Center before 9: 00 on the 20th of each month (postponed in case of holidays) by adding the open market operating interest rate (mainly referred to as the medium-term lending convenience interest rate MLF). The National Interbank Funding Center calculates the quoted interest rate of the loan market by arithmetic average after removing the highest and lowest quotations.

　　For the first quotation of the new LPR yesterday, E Yongjian, chief financial analyst of the Bank of Communications Financial Research Center, pointed out that the new pricing benchmark decreased slightly by 10bp and 5bp respectively compared with the previous loan benchmark interest rate, which should belong to a slight decline, reflecting that the supervision, while guiding the decline of the loan interest rate, also paid attention to avoiding a one-time drop that would impact the market, thus giving the market time for adaptation and transition.

　　According to the requirements of the central bank, from now on, banks should mainly refer to the quoted interest rate in the loan market for pricing new loans, and adopt the quoted interest rate in the loan contract with floating interest rate as the pricing benchmark.

　　"All kinds of loans should refer to LPR." Liu Guoqiang stressed that at the same time, banks are required to improve the information system and contract text related to loan interest rate pricing. According to reports, since the third quarter of 2019, the central bank will include the use of LPR and the competition behavior of loan interest rates into the macro-prudential assessment (MPA). At the same time, improve the statistical method of loan interest rate. From August 20th, instead of counting the fluctuation of loan interest rate with reference to benchmark interest rate, we will count the increase and decrease points on the basis of LPR.

　　Liu Guoqiang said that the focus of this reform to improve the LPR formation mechanism is to deepen the interest rate marketization reform, and to use reform methods to promote the reduction of the financing cost of the real economy.

　　The new LPR formation mechanism will not reduce the mortgage interest rate.

　　"In the current situation, the implementation of LPR is conducive to reducing the financing costs of enterprises, especially private and small and micro enterprises." Liu Guoqiang prejudges.

　　According to the data of China Banking and Insurance Regulatory Commission, in the first half of the year, the interest rate of new loans for inclusive small and micro enterprises was 6.82%, which was 0.58 percentage points lower than the annual average interest rate in 2017. In addition, by reducing some credit-related expenses, the comprehensive financing cost of small and micro enterprises has dropped by more than 1 percentage point.

　　However, regarding the personal mortgage interest rate, Liu Guoqiang emphasized that the mortgage interest rate changed from the reference benchmark interest rate to the reference LPR, but the final loan interest rate level should remain basically stable. "How to operate specifically? In a few days, the People’s Bank of China will issue an announcement on the interest rate policy of individual housing loans. We are still investigating some details, and we will clarify them later. But one thing is certain, the interest rate of mortgage will not fall. " Liu Guoqiang said.

　　Liu Guoqiang pointed out that it is necessary to resolutely implement the requirements of Politburo meeting of the Chinese Communist Party on July 30th, adhere to the positioning of "houses are for living, not for speculation", implement the long-term management mechanism of real estate, and not use real estate as a short-term means to stimulate the economy, ensure the effective implementation of differentiated housing credit policies, and keep the interest rate of individual housing loans basically stable.

　　Focus on the impact of the new LPR mechanism

　　1. Does it affect the RRR cut and exchange rate?

　　Will the improvement of LPR reform affect the adjustment of deposit reserve ratio?

　　Liu Guoqiang said that the interest rate marketization reform is like "building a canal", which aims to make the water flow smoother and make the water flow to the fields more efficiently and accurately, but the size of the water still depends on the gate. Therefore, the interest rate marketization reform is conducive to enhancing the effect of monetary policy, but it cannot replace monetary policy or other policies.

　　Sun Guofeng, director of the monetary policy department of the central bank, also said at the policy briefing that on May 6 this year, the central bank announced the implementation of a new framework of "three grades and two excellent" reserve ratio, which was implemented three times on May 15, June 17 and July 15, initially establishing a framework for low deposit reserve ratio for small and medium-sized banks.

　　"At present, the average reserve ratio in China is about 11%, which is relatively low among developing countries. If excess reserves are added, the overall reserve ratio in China is also low compared with that in developed countries. From the perspective of the statutory reserve ratio, there is some room for adjustment in the future, but in general, this space is not as big as everyone thinks. " Sun Guofeng said that from the perspective of reserve ratio, the key point is to improve the statutory reserve ratio framework of "three gears and two excellent".

　　Regarding the exchange rate, Sun Guofeng also said that we usually say that the exchange rate is directly related to the market interest rate. This reform does not involve the change of market interest rate. The key word of this reform is the marketization of loan interest rate, which has no direct impact on the RMB exchange rate.

　　2. Short-term or impact on bank profits

　　Regarding the impact on banking institutions, Liu Guoqiang said that in the short term, the bank interest margin may decrease, which will affect the profits of banks. However, in the long run, the financing cost of the real economy has decreased and the development has improved, the non-performing rate of bank credit will come down, the credit quality will be improved, and the financial and real economy will achieve a virtuous cycle of healthy development.

　　Sun Guofeng also said that the short-term decline in loan interest rate may also have a certain impact on the bank’s interest margin and profit, but on the other hand, as far as deposit interest rate is concerned, the benchmark deposit interest rate is retained and will be retained for a long time to come. The People’s Bank of China will also guide the self-discipline mechanism of market interest rate pricing, strengthen the self-discipline management of deposit interest rate, maintain the market competition order, stabilize the cost of the bank’s debt side, and create favorable conditions for the bank’s sustainable development.

　　"In the short term, the impact is uncertain, and it is hard to say that there is a calculation. In the medium and long term, the improvement of the independent pricing ability of bank loans is conducive to the sustainable and healthy development of banks and is beneficial to banks. " Sun Guofeng believes.

　　Zhongxin Jingwei Client, January 20th (Li Pengfei) Strong supervision showed the power of thunder at the beginning of the new year in 2018: On January 19th, the China Banking Regulatory Commission announced that the Sichuan Banking Regulatory Bureau imposed a fine of 462 million yuan on Chengdu Branch of Shanghai Pudong Development Bank for illegally issuing loans, which is also the first 100 million-yuan fine announced by the banking supervision system this year.

　　Looking back on the banking industry in 2017, the number of fines is not only dense, but also fines exceeding 10 million or even hundreds of millions are not uncommon. Which banks were unfortunately shot? What are the main areas of huge fines? The Zhongxin Jingwei client (micro signal: jwview) will sort it out for you one by one.

　　In 2017, the fines of banking institutions exceeded 10 times that of 2016.

　　2017 is undoubtedly the year of strict supervision of the banking industry. Guo Shuqing, Chairman of the China Banking Regulatory Commission, stressed "strong supervision" at the press conference of the State Council Office on March 2. Since then, from the end of March to April, the China Banking Regulatory Commission has continuously issued documents, officially launching the "3340" special governance, and the efforts to rectify financial chaos are unprecedented.

　　According to the data of the China Banking Regulatory Commission, in 2017, the whole system made a total of 3,452 administrative punishment decisions, including 1,877 punishment institutions, with a fine of 2.932 billion yuan; 1,547 responsible persons were punished, including a total fine of 37.594 million yuan, and 270 related responsible persons were disqualified for a certain period of time until they were engaged in banking and senior management for life.

　　Compare the data in 2016: In 2016, the CBRC punished 631 banking institutions, with a fine of 270 million yuan and 422 financial practitioners. It can be seen that the number of institutions punished in 2017 is three times that of 2016, and the amount of fines is 10 times that of 2016! Regardless of the quantity or the amount of fines, the penalties in 2017 far exceeded those in 2016.

　　In November 2017, Wang Zhaoxing, vice chairman of the China Banking Regulatory Commission, once said, "At present, the amount of administrative punishment has set a new record of 10 million yuan, and there may be penalties of 100 million yuan in the future. I hope that banks will firmly remember that violations of laws and regulations may bring in 10 million yuan of income, but it is very likely that they will face a penalty of 35 million yuan in the future. "

　　In the following month and a half, the CBRC issued at least six fines of over 100 million yuan.

　　At the end of the year, six tickets of over 100 million yuan were issued in February! Interbank, bill minefield

　　According to the incomplete statistics of the Zhongxin Jingwei client (micro-signal: jwview), the banking supervision system has issued at least 15 huge fines with fines exceeding 10 million yuan since 2017, with a total fine of 2.145 billion yuan. Among them, six tickets were fined more than 100 million yuan, with a total amount of 1.934 billion yuan, accounting for 66% of the total fines of the banking supervision system in the whole year.

　　In terms of time, these huge fines appeared in December (9 tickets), followed by November (3 tickets). In December, the amount of fines issued in a single month reached 1.337 billion yuan, accounting for 62.3% of the total fines of 15 tickets in the whole year. It is worth mentioning that in November, China Banking Regulatory Commission issued the first fine of over 100 million yuan in the history of China Banking Regulatory Commission: Guangfa Bank was fined 722 million yuan for the case of Huizhou Branch’s illegal guarantee of "overseas Chinese debts", accounting for nearly 8% of its net profit in 2016. This is also the biggest ticket issued by the banking supervision system so far, second only to it is the 521 million yuan ticket issued by the Beijing Banking Regulatory Bureau to the Postal Savings Bank in December.

　　The Zhongxin Jingwei client (micro-signal: jwview) combed and found that the tens of millions-level ticket in December could not circumvent the violation guarantee case of Guangfa Bank, and the fined banks were all relevant funding institutions in this case. A case involved disputes between more than 20 financial institutions, and the issue of overseas Chinese bonds and the "radish stamp" became a landmark event for the CBRC to rectify the risks of financial interbank business and shadow banking. The CBRC imposed a co-existence fine of more than 2 billion on the banking institutions involved.

　　"The violations of these institutions are bad in nature and have serious consequences. Only by being strict in accordance with the law can they learn a profound lesson and form a sufficient warning role for the industry and the market." The China Banking Regulatory Commission said. In fact, the rectification of inter-bank business runs through the banking supervision throughout 2017. As early as the beginning of 2017, the banking system had carried out a large-scale self-examination, in which interbank arbitrage deposit certificates and interbank arbitrage supervision were the focus of rectification.

　　In addition, bill business operation violations have also become the focus of punishment, mainly related to the frequent occurrence of bill risk cases in the previous year, and bill business has become a high-risk area. In March, Huaxia Bank and Ping An Bank issued two tickets exceeding 10 million, both of which were related to bill business.

　　Among the 24 illegal facts listed by Huaxia Bank, nearly half are related to bill business: Jinan Heping Road Sub-branch misappropriated credit funds to honor bank acceptance bills and purchase structured deposits, and used them as collateral to open bank acceptance bills; Nanjing Branch, Wenzhou Branch, Guangzhou Branch and many other branches have illegally bought and sold back (sold and repurchased) commercial acceptance bills; Beijing Branch misappropriates credit funds to honor due bank acceptance bills and so on.

　　Ping An Bank was fined 16.7 million yuan, which was also related to the illegal operation of bill business, specifically, it did not strictly examine the authenticity of trade background to handle bill acceptance and discount business.

　　In addition, in November, China Agricultural Bank Beijing Branch was fined 19.5 million yuan for buying and selling bills and illegally borrowing funds to earn fees and spreads, and the amount involved was 3.9 billion yuan, which seriously violated the principle of prudent operation.

　　Citibank was fined more than 10 million yuan for illegal housing loans.

　　For banks, housing-related loans are undoubtedly the top priority of credit business. Although the regulatory authorities have repeatedly stressed that "strictly control the risks of real estate financial business, including prohibiting illegal issuance or misappropriation of credit funds into the real estate sector", such violations are still not uncommon.

　　Among the fines exceeding 10 million yuan, the only foreign bank that was fined was related to housing-related loans: in August 2017, Shanghai Banking Regulatory Bureau announced a fine for Citibank, with a total amount of 10.64 million yuan. One of the reasons was that from January to October 2015, some branches of Citibank violated interest rate regulations when issuing some real estate loans.

　　It is worth noting that the China Banking Regulatory Commission issued a sky-high fine of 722 million yuan to Guangfa Bank, and the cause of action also involved granting loans to real estate development enterprises with working capital loans. Among the 24 violations of Huaxia Bank’s tens of millions of fines, it also includes that the real estate loan funds of a branch are not in place, and the loan funds are used to inflate deposits.

　　According to Feng Yujiao, Risk Management Department of bank of dalian Financial Market, there were 109 fines related to real estate issued by CBRC in 2017. "Housing-related" tickets can be divided into three categories. First, there are 55 illegal loans to real estate enterprises. Second, there are 44 acts of illegally issuing housing mortgage loans to individuals; Third, there were 12 illegal flows of credit funds into the real estate sector.

　　Judging from the amount of punishment, the punishment for the first kind of violations is the strongest. The tens of millions of tickets issued by the local banking regulatory bureau to Citibank and the "sky-high ticket" issued by the China Banking Regulatory Commission to Guangfa all involve the illegal issuance of loans to real estate enterprises. Judging from the different reasons of this kind of illegal behavior, such as the illegal use of loan funds to take land, the issuance of loans to real estate companies with four certificates, and the illegal issuance of working capital loans to real estate enterprises, the punishment for the illegal use of loan funds to take land is the heaviest.

　　According to china securities journal, over the years, bank funds have been nested and packaged, and the final flow is often the real estate market. "A few in 2017 ‘ Sky-high ticket ’ The shock to the industry is great, and the head office has explicitly prohibited us from providing any form of credit to real estate enterprises that are not on the list of the head office. " The person in charge of a joint-stock bank Jiangsu and Zhejiang branch said.

　　In 2018, the 22 key remediation areas deployed by the China Banking Regulatory Commission once again "named" the chaos of violating credit policies and real estate industry policies. Ceng Gang, deputy director of the National Finance and Development Laboratory, said that in 2017, the financial chaos has achieved remarkable results, but it is necessary to consolidate the rectification results and maintain a high-pressure situation in key areas. While further rectifying, the CBRC has continuously improved its supervision system.

　　Spring is full of flowers and vitality, but it also brings some troubles. From yesterday (12th), Beijing entered the first high-incidence period of willow catkins, which mainly affected the inner city of the Fifth Ring Road. Populus tomentosa was the main species of catkins. The Beijing Municipal Bureau of Landscaping and Greening and the Beijing Meteorological Bureau jointly issued a forecast for the beginning of willow catkins.

　　Beijing: willow catkins enter the first high-incidence period.

　　From April 7th, the catkins of willows began to float in Beijing, and the whole process is expected to last until the end of May, totaling about 50 days.

　　Jaco, Deputy Director of Science and Technology Department of Beijing Municipal Bureau of Landscaping and Greening.In the season of flying flocks, we strengthen joint defense and linkage with urban management departments, health and health departments and meteorological departments, and bring the prevention and control of flying flocks into the scope of fine management of the whole city to improve the monitoring of flying flocks. Let the public know when there are flying flocks and which key areas are flying flocks, increase cleaning and humidification, and suppress flying flocks in time.

　　It is estimated that there will be three rounds of high incidence of floc in spring and summer.

　　According to the forecast of Beijing Garden Department, this kind of flying catkins will occur three times in spring and summer. From late April to early May, flying catkins mainly affect the main city and plain areas, and in mid-May, it mainly affects the mountainous areas. Each round of high-incidence period is generally about one week, and the high-incidence period is from 10 am to 4 pm every day.

　　So, where did these flying flocs come from? Poke the video ↓ Look at the self-report of a poplar.

　　I am a poplar, and my friend Liu Shu and I are native trees in Beijing, and have settled in Beijing since the 1960s and 1970s. Every spring, after pollination, our female plants will produce small capsules, which are wrapped in white flocculent hairs, and some seeds the size of sesame seeds are hidden in the hairs. When the mature capsule splits, the fuzz will fly with our seeds in the wind, which is what you can see.

　　Therefore, the flying floc itself has obvious seasonality and periodicity, and it is a harmless natural phenomenon. However, when it comes to weather with rising temperature, sufficient sunshine and low air humidity, "children" will have fun and fly all over the sky, which will have an impact on everyone’s life.

　　Physical prevention and control, scientific and technological means, multi-measures to control flying flocs

　　Willow spreads seeds by wind, and breeds offspring, which makes people hard to prevent. At present, Beijing is taking comprehensive prevention and control measures for flying flocks in many parks and streets in the main city to minimize the interference of flying flocks on people’s lives.

　　General Desk reporter Gao XueToday, the weather in Beijing is sunny and dry, and the wind force reaches level 4. We can see some flying flocs flying in the air. At present, the main source of flying flocs at this stage is poplar.

　　There are some willow tidbits falling down on the ground, which are wet. There are many tidbits like this on the nearby lawn, and the damp white flying tidbits are directly attached to the lawn, so they can’t dance with the wind.

　　In the period of high incidence of flying flocks, like the Beijing Olympic Forest Park where we are located, the key areas will be humidified and cleaned twice a day, and the tidbits will be knocked down with high-pressure water guns, which will increase the surface humidity and greatly reduce the flying flocks.

　　In addition to the wetting operation, it is also a means to control the total amount of flying flocs by pruning some branches in advance before the willow capsules crack and produce flying flocs.

　　In addition to physical prevention and control, according to the principle of combining the length with the length and treating both the symptoms and the root causes, the landscaping department of Beijing has also adopted scientific and technological means such as grafting male plants, raising seedlings through science and technology and improving tree species.

　　The seedling in this small flowerpot, which is in the hardening stage, is the artificially selected male non-flocculent Populus tomentosa-"Jingxiong No.1". In about two years, this seedling can grow to a height of about 5 meters, and it will be used as an urban landscape tree.

　　Some viewers may also ask, since female willow trees will produce flying flocs, why not just cut them down? In an interview, the staff of Beijing Bureau of Landscaping and Greening told us that willow trees have settled in Beijing for decades, such as this piece of Yang Shulin, with an average age of nearly 20 years.

　　The highest in the center of this picture is poplar, with an average height of about 25 meters. In front of the red building is Liriodendron, with an average height of 12 to 15 meters. In addition, there are Magnolia grandiflora and Pinus tabulaeformis commonly seen in Beijing, which are much shorter than poplar trees in height. Therefore, poplars have always been called the green skyline of Beijing. Without poplars, it means that the green skyline of Beijing will drop by about 10 meters, which will do great harm to the landscape and ecology of the whole city.

　　At present, the volume of willow trees in Beijing accounts for about 40% of all trees, and about 5.7 million trees can be accurately located and monitored in the main city. Last year, Beijing has gradually replaced about 20,000 "old, weak, sick and disabled" poplars with cultivated male non-flocculent Populus tomentosa, and the number of seedlings has reached 50,000.

　　It is a long-term process to control flying flocks. Through continuous scientific prevention and control, I believe that the impact of flying flocks on our lives will gradually decrease in the future.

　　Shandong: The combination of physical and chemical means to control the "disturbing people" caused by flying flocs

　　As the temperature rises, not only in Beijing, but also in many places in the north every April and May, there will be fluttering willow catkins. How to reduce the trouble of "disturbing the people" by flying catkins? Let’s see what measures Shandong has taken.

　　There are many Populus tomentosa in this residential area in Zhangdian District, Zibo City, and the local area has adopted the method of combining physical control with chemical control to control flying flocs.

　　Li Tiandong, Deputy Section Chief, Maintenance Department, Zhangdian District Comprehensive Administrative Law Enforcement Bureau, Zibo City, Shandong ProvincePhysical prevention is to use high-pressure waterwheel spraying and fog gun truck to accelerate settlement, and then to combine mechanical sweeping with manual cleaning in time. In chemical control, female plant flower bud inhibitor is mainly used to reduce flower bud differentiation.

　　In Dezhou City, the urban management department is comprehensively counting the male and female willow trees within its jurisdiction and carrying out targeted treatment such as drug control. Up to now, 112,400 poplar trees have been identified and marked in urban areas, including 59,600 female trees and 52,800 male trees.

　　Gao Na, Senior Engineer, Landscaping Service Center, Dezhou City Administration Bureau, Shandong ProvinceAccording to the previous general survey, we managed the willows in the jurisdiction by setting points, routes and personnel. The introduced "Beilin No.1" poplar male plant variety has been successfully cultivated, and the next step can be to replace and update the female willow plant in the green space.

　　Small coup of life: flying floc protection and cleaning have doorways

　　Flocculation is flying all over the sky, and sometimes it is easy to fly into people’s eyes and nostrils, causing discomfort. So in the period of high incidence of flying floc, what aspects should we pay attention to when traveling and exercising, and look at the small coup ↓

　　Jaco, Deputy Director of Science and Technology Department of Beijing Municipal Bureau of Landscaping and Greening.The high incidence period of flying flocs in each area is very short, only 3 to 5 days. In these three to five days, I suggest that one of the citizens who travel is able to wear a mask in time; Second, exercise can be carried out in the morning or evening, when flying catkins are not high every day. At home, for example, flying floc can be suppressed by watering can or vacuum cleaner, because flying floc has good hydrophilicity, and it will not fly as long as it touches water.

　　Experts remind that people with allergic skin should try to avoid skin contact with flying flocs. If allergic symptoms appear, they should go to the hospital in time and use antiallergic drugs to relieve symptoms under the guidance of doctors. Do not take medicine by yourself or ignore symptoms, so as not to aggravate the condition.

　　Fire warning: flying flocs are flammable and must be guarded against.

　　During the flying season, in addition to preventing allergies, we should also raise awareness of fire prevention. The main component of flying floc is fiber, and it contains a lot of vegetable oil, which is easy to burn when it meets a fire source, causing a fire. Look at the tips given by the fire department.

　　Catkin is extremely flammable, burning fast and dangerous. Don’t light catkins at will. After landing, catkins can be cleaned in time by splashing water, sweeping and burying, so as not to leave a fire hazard. Don’t put combustible materials such as cartons, branches and woodpiles around buildings, and pay more attention to cleaning combustible materials in time to eliminate hidden dangers; Poplar catkins attached to combustible materials should be cleaned up in time to prevent them from igniting combustible materials.

　　Wang Peng, a fireman of Daxing District Fire Brigade.Whether indoors or outdoors, you must take good care of the fire and don’t throw cigarette butts around to avoid fire. Schools and parents should strengthen the education of children, and it is forbidden for children to play with fire, let alone light catkins for fun and curiosity.

　　Cctv newsThis afternoon, the press center of the 19th National Congress held the sixth press conference, inviting Li Ganjie, Party Secretary and Minister of the Ministry of Environmental Protection, and Yang Weimin, Deputy Director of the Central Financial and Economic Leading Group Office, to introduce the situation of practicing the concept of green development and building a beautiful China, and to answer questions from reporters.

　　Li Ganjie, Party Secretary and Minister of the Ministry of Environmental Protection, summed up the achievements of ecological civilization construction since the 18th National Congress with five "unprecedented":

　　First, the level of ideological understanding is unprecedented.The consciousness and initiative of the whole party and the whole country to implement the concept of green development have been significantly enhanced, and the situation of neglecting ecological environment protection has changed significantly.

　　Second, the intensity of pollution control is unprecedented.Three "Ten Articles" were issued and implemented, namely, three major action plans for air, water and soil pollution prevention and control, and we resolutely declared war on pollution. The construction of environmental infrastructure such as sewage and garbage disposal has been accelerated.

　　Third, the frequency of system introduction is unprecedented.The central leading group for comprehensive deepening reform deliberated and adopted more than 40 specific reform plans for ecological civilization and ecological environment protection.

　　Fourth, the scale of supervision and law enforcement is unprecedented.Many laws, such as the Environmental Protection Law, the Air Pollution Prevention Law, the Water Pollution Prevention Law, the Environmental Impact Assessment Law, the Environmental Protection Tax Law, and the Nuclear Safety Law, have been revised, and the soil pollution prevention law has entered the legislative review process in the National People’s Congress Standing Committee (NPCSC).

　　Fifth, the speed of environmental quality improvement is unprecedented.In 2016, the three major regions — — The average concentration of fine particulate matter in Beijing-Tianjin-Hebei, Yangtze River Delta and Pearl River Delta regions, that is, the average concentration of PM2.5, has dropped by more than 30% compared with that in 2013, when Atmosphere Ten was formulated. The proportion of acid rain area in China’s land area has dropped from about 30% at the historical high point to 7.2% last year.

　　The report of the 19th National Congress of the Communist Party of China has set new goals for the construction of ecological civilization and the protection of ecological environment. Li Ganjie, Party Secretary and Minister of the Ministry of Environmental Protection, also introduced this at the press conference:

　　By 2020, we will resolutely fight the battle against pollution;

　　By 2035, the ecological environment will fundamentally improve, and the goal of beautiful China will be basically realized;

　　By the middle of this century, China will be built into a prosperous, strong, democratic, civilized, harmonious and beautiful socialist modernization power, and its material civilization, political civilization, spiritual civilization, social civilization and ecological civilization will be comprehensively improved.

　　73 of the 79 tasks of ecological civilization system reform have been completed.

　　At the press conference, Yang Weimin, deputy director of the Central Financial and Economic Leading Group Office, also introduced the achievements made in the reform of China’s ecological civilization system, citing a series of figures:

　　Since the 18th National Congress of the Communist Party of China, the CPC Central Committee with the Supreme Leader as the core has attached great importance to the reform of the ecological civilization system. Among the 38 meetings held by the Central Leading Group for Comprehensively Deepening Reform, there are20 timesThey all discussed issues related to the reform of the ecological civilization system and studied48 itemsMajor reforms. The 37 tasks of reforming the ecological civilization system put forward by the Third, Fourth and Fifth Plenary Sessions of the 18th CPC Central Committee have been completed.24 items, partially completed9 items, are advancing.4 items, the introduction of reform documents84 pieces.

　　In 2015, the CPC Central Committee and the State Council formulated the Overall Plan for the Reform of Ecological Civilization System. Among the 79 reform tasks to be completed in 2015-2017, at present,73 itemsIt’s all done,6 itemsBasically completed.

　　Central environmental protection inspectors will achieve full coverage, and the second round will carry out "point-and-point" supervision.

　　Central environmental protection inspector is a major reform measure of ecological civilization system and mechanism promoted by the Supreme Leader General Secretary after the 18th National Congress.

　　In response to a CCTV reporter’s question about the central environmental protection inspector, Li Ganjie said that the central environmental protection inspector has achieved full coverage in 31 provinces, autonomous regions and municipalities, and will sum up experience to prepare for the second round of inspections. At the same time, it will also carry out targeted "point-and-click" inspections.

　　Do a good job in forecasting and early warning from "fighting the blue sky defense war" to "winning the blue sky defense war"

　　At the press conference, Li Ganjie, Party Secretary and Minister of the Ministry of Environmental Protection, also introduced the achievements made in air pollution control since the release of "Atmosphere Ten":

　　The average concentration of PM10 in 338 prefecture-level cities nationwide decreased by 15.5% in 2016 compared with 2013.

　　Followed by the average concentration of PM2.5 in the three major regions. Compared with 2013, the Beijing-Tianjin-Hebei region decreased by 33%, the Yangtze River Delta region decreased by 31.3%, and the Pearl River Delta region decreased by 31.9% in 2016.

　　Through four years’ efforts, the proportion of excellent days increased from 60.5% in 2013 to 74.2%, an increase of 13.7 percentage points, while the proportion of heavily polluted days decreased from 8.6% to 3%, a decrease of 5.6 percentage points.

　　When answering a question about air pollution control, Li Ganjie said that it is necessary to make predictions and early warnings to win the blue sky defense war.

　　Li Ganjie, Party Secretary and Minister of the Ministry of Environmental Protection:

　　First of all, we should do a good job in forecasting and early warning. First, we must understand the situation of pollution discharge; The second is to clarify the meteorological conditions. Every day, especially after autumn and winter, experts from our meteorological department and environmental protection department have a mechanism to sit together and analyze and give full play to their respective specialties.

　　In the report of the 19th National Congress of the Communist Party of China, the General Secretary proposed to continue to implement air pollution prevention and control actions and win the blue sky defense war. In the past, it was called fighting well, but now it is called winning. It means higher requirements than in the past.

　　How to win? On the one hand, we are deeply studying and understanding the spirit of the general secretary’s speech, and on the other hand, we are studying, thinking and promoting, and we are going to take a series of measures to further strengthen this work.Ensure that by 2020, the tough battle of pollution prevention, especially air pollution prevention, can achieve remarkable results. One of the signs is that the goals we set in the 13 th Five-Year Plan for Ecological Environmental Protection must be achieved.Based on 2015,The proportion of days with good air quality in 338 prefecture-level cities in China must reach more than 80%, and the concentration of PM2.5 in cities that fail to meet the standards should drop by an average of 18%. At the same time, we must make a good plan and lay a good foundation for the goal of fundamentally improving the ecological environment in 2035.

    Original title: Jiangsu colleges and universities welcome new students one after another, and the class of 2024 "Meng Xin" opens a new journey-

    University, here we come!

    On August 24th, more than 4,000 freshmen from all over the world became "Dongda people". Photo by Li Liu

    Since August 23, many universities in Jiangsu have ushered in the "Meng Xin" in 2024. The old campus with rich background and the new campus with new appearance are full of vitality. When the freshmen step into the campus with their bags and longings, at this moment, it is both a dream come true and a new beginning.

    Go to your alma mater together, and strive for youth to meet here.

    What’s it like to be alumni with mom and dad? At the scene, some new students visited the campus with their parents who had studied and lived in the same school.

    "My father is more familiar with the Gulou Campus than I am. I live in Room 2 of Taoyuan, and he lived in Room 12 of Nanyuan." On the morning of 24th, in the Gulou Campus of Nanjing University, Ruiqi Luo from Korla, Xinjiang, took a walk with his father on campus as soon as he cleaned up his dormitory. "My father is a Nantah native. He has been telling me about Nantah since he was in primary school. Since then, I have had the desire to apply for NTU. " When volunteering, Ruiqi Luo chose NTU Intelligent System Integration Experimental Class without hesitation. In 1990, after graduating from the School of Earth Science and Engineering of Nanjing University, Luo Dad chose to return to Xinjiang to join the construction of the western region. After returning to his alma mater many years later, Mr. Luo and his son "searched for roots" in the Gulou campus. "I am in the northwest and my heart is in Nantah. I hope that children can study hard in Nantah and become pillars of society! "

    "This is Dongda Auditorium, which is the former Institute of Technology. We used to study in the evening here …" On the 24th, Hu Yonghua, who returned to her alma mater, introduced her daughter Hu Xiaoyu incessantly. He and his wife Zhu Ping are both alumni of Southeast University, and their daughter was admitted to the "English+Information Engineering" double-degree major this year. Coincidentally, Xu Jingheng, who studied in Nanjing No.29 Middle School with Hu Xiaoyu, was also admitted to this major, while Jamlom’s parents were alumni of Southeast University majoring in management science and engineering and regional economics in 2002.

    Returning to the campus with the children again, Xu Jingheng’s parents also recalled the lush years of that year. "At that time, I lived in Room 9, Wenchang, Sipailou Campus, and my wife’s dormitory was behind Liuyuan Hotel. At that time, I rode my bike from east to west with egg cakes to bring her breakfast every day …" Xu Dad said, smiling hard on his face. Xu Jingheng, who grew up listening to the "omelet story", designated Dongda as an ideal university in his freshman year of high school and kept fighting for it. "What touches me most is the unique cultural atmosphere of Dongda University. I hope to make more friends here and become a better self." Xu Jingheng said.

    Go back to the old campus to "seek roots" and go to the new campus to dream.

    Since Nanjing University started its "root-seeking school" in 2022, all the freshmen in the school have stayed in Gulou Campus. In Southeast University, 2,340 freshmen moved into the Sipailou campus this year, which is the first time in recent years that more than half of the freshmen reported to the campus.

    "Walking into the campus of Dongda University, walking into Wutong Avenue, what comes to my face is the profound cultural heritage!" "Have long heard of Neusoft Meian, finally saw it today. I hope that in the future, I can also’ chew the roots and do great things’. " During the welcome period, Southeast University opened the school history museum, Mei ‘an and Wu Jianxiong Memorial Hall, and carried out campus visits to let freshmen feel the cultural atmosphere of the 120 universities in the process of searching for the source. In front of Yongquanchi, the landmark building auditorium of Dongda University, the school also organized the activity of "Freshmen Parents Say". At the scene, freshmen and parents took the stage to express their wishes and hopes and cheer for a better future together. During the activity, freshmen also wrote a wish card "to themselves after four years" and sealed it for graduation.

    "Root-seeking" and "dream" are the key words on the day of registration. "We have noticed that many freshmen have special feelings for the Gulou Campus of Nantah. For example, Yang Zehao of Kaijia College, the first thing he did after reporting for the freshman training camp on August 19, was to punch in again with his photo taken with Peking University Building when he was 9 years old, thanking him for his fate with Nantah." Shi Jiahuan, deputy secretary of the Party Committee of NTU Freshmen College, told the reporter that the first year of college is a crucial period for freshmen to know the university, enter the discipline and start the future. Nanjing University has launched micro-resources for freshmen’s adaptive education, so that students can better integrate into the university, the city and the times. "Freshmen will set up their growth goals, understand the charm of the subject and find the right direction of their interests through the study of topics such as’ University and Mr. Da’,’ Adaptive Education for Freshmen’ and’ Yuhua Hong-the Power of Faith’." Shi Jiahuan said.

    In the brand-new Jiangnan University Jiangyin Xiakewan Campus, the first batch of 455 "Meng Xin" settled in. Simple architectural style and water landscape with Jiangnan flavor are in the same strain as those of Jiangnan University Headquarters and Yixing Graduate School, and various banners and signs welcoming new students can be seen everywhere. Freshmen of the School of Digital Technology and Creative Design also got many "small surprises"-from brand-new visual image design and visual expression based on college English abbreviations, to specially customized canvas bags and card sets, hand-drawn maps of Xiakewan Campus in Jiangyin, and to white paper fans that can be stamped, all of which reflect the sincerity and ingenuity of the college. "This university’ meeting ceremony’ is so interesting. I will study hard and hope to have my own design works in the future." Ding Wei, a freshman majoring in digital media art, said.

    Start new courses for new majors and cultivate new talents.

    The reporter learned that most of the freshmen in 2024 were born in 2006, and Southeast University welcomed the post-10 students.

    At the welcome scene of Dongda University, a 13-member "Xueba Group" attracted much attention. Tan Ruiqi from Fushun No.2 Middle School in Liaoning Province was the youngest of them. After three years in elementary school, two years in junior high school and two years in senior high school, Tan Ruiqi, who is only 14 years old, is the first post-10 s student in the history of Dongda University. "Learning itself is a very interesting thing. I enjoy every process of exploring the unknown, so I chose to take the college entrance examination in my second year of high school and want to invest the saved time in more creative university study." Tan Ruiqi said that when I was in primary school, portraits of scientists Qian Sanqiang and Li Siguang hung in the classroom, and I was moved after learning about their deeds. "I hope I can serve my country like them and be a useful person."

    When I first entered the campus, the dream of serving the country through science and technology was already in my heart. Just entering the Intelligent Manufacturing College of Jiangnan University (Junyuan College), freshman Song Zihan saw the robot that greeted them. "I liked robots very much when I was a child, and now I am very interested in new terms such as drones and autonomous driving. The Yangtze River Delta has a strong science and technology atmosphere, and I hope that I can also participate in the production of advanced robots in the future. "

    In order to cultivate future-oriented talents with new quality, many colleges and universities have implemented new training plans in the new semester. This autumn semester, the core course of artificial intelligence general education in Nanjing University, which has received much attention, officially set sail. The course is oriented to all freshmen, and through the knowledge system and training mode of deep integration of AI and various disciplines, AI literacy education is integrated into the training of top-notch innovative talents to help cultivate and develop new quality productivity. Southeast University has also created an action plan of "Artificial Intelligence+Education" for freshmen. Led by the Institute of Artificial Intelligence, the course of "Introduction to General Studies of Artificial Intelligence" has been built according to the categories of science, engineering, medicine and humanities, and an interdisciplinary virtual teaching and research section has been set up to serve the whole school’s "Artificial Intelligence +X" education, with 105 pilot projects.

    In Jiangnan University, the first four colleges that settled in Jiangyin Xiakewan Campus were officially unveiled on June 7 this year, further connecting industrial transformation and local economic development. Cao Ming, dean of the School of Digital Technology and Creative Design of the school, said that in order to meet the new needs of the industry, the design discipline of the school is being adjusted around intelligent technology and intelligent interaction. "For example, the curriculum design of digital media art majors is more inclined to interactive media and virtual interaction. Fashion design majors integrate smart wearable devices into teaching. In the overall curriculum system, the college will also join artificial intelligence courses for freshmen. " (Yang Pinping, Xie Shihan, Ye Zhen)

　　In 2008, Xu Mengnan, an Anhui examinee, took the college entrance examination for the first time. Instead of "rules", he wrote his own "education declaration" on the examination paper. In the end, a total score of more than 160 points failed to send him to any university, and Xu Mengnan was also called a "blank candidate". In fact, he regretted his choice shortly after the college entrance examination 10 years ago. In the next 10 years, he failed to return to the examination room again. In March this year, Xu Mengnan took the classified entrance examination for colleges and universities in Anhui Province and was admitted to a college. Recently, he received the admission notice from the school.

　　"Be prepared to get a zero."

　　Xu Mengnan was born in 1989. Of the four children in his family, he is the best at learning, and his parents who make a living by farming also place great expectations on him. Since childhood, Xu Mengnan’s academic performance is not bad, but since high school, he has started to contradict the school curriculum, and his academic performance has gradually declined.

　　In the 2008 college entrance examination, Xu Mengnan wrote his own views on the education system on the examination paper, "It’s my share ‘ Education manifesto ’ Well, I wanted to attract some people’s attention, but there was no response. " He said, "I was actually prepared to get a zero, but in the end I found that I got more than 160 points, but it was impossible for me to go to college."

　　Re-take the college entrance examination after 10 years

　　After the college entrance examination in 2008, Xu Mengnan once thought about repeating and taking the exam again, but for various reasons, he failed to do so.

　　In the past 10 years, he has worked as an assembly line worker, and also managed the billboard production business for his relatives. "However, I have always regretted the choice I made in the college entrance examination, so I always want to find opportunities to make up for this regret." He said.

　　At the end of last year, Xu Mengnan finally made up his mind to return to the examination room. He picked up his textbook again and began to review. He also listened to the audio of the teacher’s lecture with headphones at work.

　　In March of this year, Xu Mengnan walked into the examination room of the classified entrance examination for colleges and universities in Anhui Province. He applied for four schools, all of which were colleges and universities. Xu Mengnan said that his review time is relatively short, and he has thrown away a lot of knowledge in these years. Therefore, he could not "eat a fat man in one bite", so he did not intend to take an undergraduate course, but chose a junior college.

　　In the future, consider "upgrading from college to undergraduate"

　　Xu Mengnan said that the results came out soon after the exam. When he posted the results, he ran to see it and knew that he was admitted. He finally chose the best one from the four predicted schools.

　　"I chose news editing and production as my major, because I am interested in writing, and many reporters interviewed me recently, which made me curious about the news industry." He said.

　　Earlier this month, Xu Mengnan officially received the admission notice from the school. He said that his efforts finally paid off. Although he was "late" for 10 years, he was very happy when he received this notice.

　　"Now I’m applying for a junior college. If I’m in a good school, I’ll consider ‘ Junior college ’ Yes, round a undergraduate dream. " Xu Mengnan said.

　　conversation

　　Xu Mengnan: The "blank paper" of that year was not worth it.

　　Yesterday, in an interview with Beijing Youth Daily, Xu Mengnan said that the school will start in September this year, and he is still looking forward to the arrival of this September. The 2018 college entrance examination is just around the corner. I hope that students who take the college entrance examination this year will not imitate themselves and cherish the opportunity of the college entrance examination.

　　Beiqing Daily: What changes have taken place in life after receiving the letter of admission?

　　Xu Mengnan: Because classes don’t start until September, life hasn’t changed much for the time being. Before preparing for the college entrance examination, I have quit my job in other places and returned to my hometown in Anhui, working part-time for some e-commerce companies online. I should still maintain this state and earn some tuition fees in the future.

　　Beiqing Daily: Does your family support you to return to the examination room after 10 years?

　　Xu Mengnan: I divorced a few years ago, and now I live with my children. If I go to school, my children will be taken care of by my parents. I used to work in a foreign country, so I can only go home to see my children once or twice a year, but this time I am admitted to a local school, so I may have more opportunities to contact with my children in the future. My parents supported me to take the college entrance examination again, and they said it was a pity to make up for me. Studying again will not add burden to my family. Now I work part-time for more than an hour every day, and I will earn about 4,000 yuan a month. I can continue to do it after school, and I also believe that I can get a scholarship.

　　Beiqing Daily: Many people say that you "suddenly repent" after you step into society?

　　Xu Mengnan: Actually, it is not a "sudden repentance". I originally hoped to attract others’ attention by writing some views on education on the examination paper. However, I found that it didn’t work, and soon regretted it. I felt that I had wasted the most important opportunity in my life. I thought about repeating it at that time, but it has not been realized for various reasons. I have also been to some schools in recent years, and told students to cherish the opportunity of education with my personal experience, especially for many farmers’ children, which may be an opportunity to change their destiny. Now think about it, the "blank paper" of that year was really not worth it.

　　This group/reporter Yang Fan Intern Fu Yao

　　　In the mirror, the swollen pustules are crowded next to each other and layered, covering the whole face and spreading half of the neck; In the mobile phone, the dunning phone that owes a loan of 10,000 yuan for medical expenses rings again and again. This 21-year-old girl named Zhou Shuan feels really "chic" this time.

　　Five years ago, Zhou Xiaosa graduated from junior high school and left his hometown in rural Gansu to work in Tianjin. "Fighting acne" has always been regarded by this young girl as "the biggest trouble in life". However, she didn’t expect that her eagerness to cure acne was actually a step-by-step routine. Now that acne has not been cured, the phone that urges debt repayment still comes to the door, but she has no way to complain and has hardships.

　　Step by step by routine — —

　　2,000 yuan to 18,000 yuan, no money to borrow.

　　I bought all kinds of acne products and used countless remedies, but the acne on my face grew more and more. This time, Zhou chic decided to go to the hospital for a good treatment.

　　She searched for "Tianjin Hospital for Treating Acne" on the Internet, and the online slogan of a hospital specializing in treating dermatoses immediately touched her — — "Integrated traditional Chinese and western medicine specializes in treating female acne". The website keeps rolling out red, large and bold characters — — "Look at the skin, look for top three famous doctors", it seems that every word speaks to Zhou’s chic heart, and she judges that "it should be a very formal specialized hospital".

　　After getting in touch with this hospital, a person who claimed to be Dr. Kong added Zhou Xiaosao and her brother’s WeChat. After Zhou Xiaosao sent a photo of his face, Dr. Kong initially judged that it was "hair follicle blockage infection" and suggested that "internal adjustment and external treatment can generally recover in 3 ~ 4 weeks". Regarding the cost, he proposed "prepare 2000 first" and called it "wide preparation and narrow use, and the specific face-to-face consultation will explain the cost".

　　According to the appointment number given by Dr. Kong, on June 20 this year, Zhou chic came to this hospital and was received by the director of dermatology. After nearly testing in 300 yuan, the director listed the medical expenses for a course of treatment (one month), including 12,460 yuan for treatment, 2,209.8 yuan for Chinese herbal medicine and 982.95 yuan for western medicine. That is to say, if you want to cure the acne on your face, Xiao Zhou will have to spend 15,600 yuan at a time.

　　"If you can’t cure it, do you want to continue treatment?" In the face of Zhou Shuan and his brother’s questioning, the director replied that "it is almost the same in general" and reassured them that "your money will not be wasted".

　　The monthly working income is only 3,000 yuan, and it is unstable. Zhou Zifeng is a little hesitant in the face of high medical expenses. At this time, the director comforts her, and she doesn’t have to take out so much money at once. Here, she can get an interest-free and fee-free loan. In order to appease her worries, the director also specially emphasized that many people have done it.

　　The nurse took Zhou chic to another room on the same floor, where the staff directly took her mobile phone and asked her name, ID number, address, work and telephone numbers of her parents, brother and sister-in-law. "They all operated and filled in the information for me and taught me how to answer the phone call from the loan platform". Zhou Xiaosa said that the staff told her to lie about her monthly income of more than 6,000 yuan, which proved that she had the ability to repay, and also said that "loans are made like this now".

　　About 10 minutes later, the loan procedure was passed. The total loan for six months was 15,600 yuan, and the overdue interest was one thousandth of the daily interest, that is, the annual interest was 36%. The money was never handled by Xiao Zhou, but directly transferred to the hospital account.

　　After about 20 days of treatment, Zhou Xiaosa told the director that the acne on her face showed no signs of improvement, and the director once again prescribed traditional Chinese medicine for her to take orally. Zhou chic also paid all the cash he had with him, more than 2,000 yuan, to buy medicine.

　　At the end of a course of treatment, I finished taking the medicine and did 9 treatments. The loan and medical expenses paid directly by Zhou Zifeng were almost 18,000 yuan, but the money was spent, and the acne on my face not only did not improve, "the inflammation in many places was worse." Not only that, Zhou said, but she had dizziness and headache after taking the Chinese medicine prescribed by the director of dermatology. After examination, she found that her blood pressure was too low, and she only got better after stopping taking the medicine.

　　She went to the director for advice. The doctor thinks that there is no problem with his prescription and treatment plan, and the reason for the poor treatment effect is "definitely caused by your own diet and irregular work and rest", and said that "it takes a process to treat acne, and you have to persist in treating it, which is sure to be good". When asked how much it would cost to be completely cured, the director told Zhou Shuan, "It may cost another 70,000 to 80,000 yuan. I still have cases where it took hundreds of thousands to be cured."

　　Zhou chic felt that she had fallen into the pit and decided not to continue treatment in this hospital. What she didn’t expect was that she soon received a repayment notice call for the 15,600 loan she owed. When she communicated with this loan platform, she said that she didn’t know how to spend the money at all, and asked the platform to provide the hospital’s medical bills. The other party said that it could not provide it, and repeatedly reminded her, "If you don’t repay on time, we will go to court to sue you, and the consequences will be very serious."

　　Insiders reveal secrets — —

　　Beauty agency may get 30% ~ 60% commission.

　　"From the routine analysis of the above-mentioned case loan, it is a derivative product of the former campus loan, and some people call it a beauty loan." Zhang Xiaotao, an associate professor in the Department of Finance, Department of Management and Economics, Tianjin University, said.

　　Because of a series of problems such as ultra-high interest rates, naked loans and violent dunning, campus loans have been supervised by banking supervision departments, education departments and Internet finance associations, especially since last April, campus loans have entered the stage of centralized supervision, and dozens of online lending platforms have successively withdrawn from the campus loan market. However, some platforms put on gorgeous coats and appeared in another name. "The target is still a group of young people who lack social experience and lack financial consumption knowledge but have a desire to consume ahead of time."

　　The reporter searched the websites of a number of beauty and plastic surgery institutions, and all of them provided diversified medical and beauty staging services with "zero down payment" and "zero interest". In recent years, with the rapid expansion of the domestic medical beauty market to the order of 100 billion, some internet finance companies and financial consumption platforms have also poured into this industry, and some beauty loan platforms focusing on the medical beauty industry have claimed to have obtained tens of millions of financing.

　　An industry insider who did not want to be named believes that "the combination of Internet finance and different industries is the future development trend. The beauty loans and training loans that have emerged in recent years are all new things, and the corresponding supervision is obviously lagging behind. "

　　"When Zhou applied for a beauty loan, the agency claimed that there was no guarantee, no interest and no handling fee. It sounded beautiful, but it just exposed the problems behind it." The source said that no Internet finance company would do anything without profit. "If the profit is not in the light, it may be in the dark."

　　He revealed that there are beauty loan intermediaries between beauty institutions and loan platforms, and their cooperation is often reflected in the sharing. "Intermediaries can get 30% or even up to 60% of the loan amount."

　　Under the "internal cooperation", hospitals or beauty institutions have obtained customers and can get a share; The loan platform has gained customers; The intermediary earned a commission, but the consumer was induced step by step and eventually owed a "debt."

　　In January of this year, the police in Jiangbei District of Chongqing cracked a cash-out case of "beauty loan". The police found out the routine, and the loan intermediary cooperated with a beauty consultant of a beauty hospital to fabricate personal information and apply for a loan from an online finance company. After successfully applying for a loan, the consumer finance company will directly pay the loan to the account of the beauty hospital, and the beauty hospital will pay the money to the intermediary after deducting 30% of the commission. The remaining 70% will be paid to the lender by the intermediary after deducting 40% of the intermediary fee, and some intermediaries will not even pay a penny to the lender.

　　Hyaluronic acid, which is usually worth several hundred yuan, has been raised to several thousand yuan, and the beauty projects done far exceed the normal price. In order to defraud loans, raise consumer prices, and fabricate consumption items, beauty hospitals also deliberately forge one or two items and join hands with intermediary companies to defraud consumer finance companies.

　　"From Zhou’s chic experience, it is difficult for that beauty agency to constitute fraud, because many of them are stepping on the policy gray area, the so-called ‘ Unreasonable but not illegal ’ 。” Zhang Xiaotao said that most deceived consumers have the problems of difficulty in obtaining evidence and defending their rights, so they can’t afford to spend energy and can only admit bad luck.

　　In response to this phenomenon, Nanjing Consumers Association has issued an early warning, saying that intermediaries and beauty agencies collude together and take unconventional measures to fool consumers who have no ability to repay loans. However, some student groups or young people who have just entered the society often become targets and are induced to consume in advance and over-consume.

　　Young people urgently need to make up the lesson of financial knowledge.

　　Having been in contact with college students on campus for a long time, Zhang Xiaotao feels that college students have too little financial knowledge now. "Even those who major in finance are relatively backward in knowledge in books, and now there are endless new things on the market, which makes people overwhelmed."

　　Nowadays, the consumption concept of young people after 90 s and 00 s has long been different from that of their parents. Previously, Tianjin University had published a survey report on college students’ online credit consumption. The report shows that 29.03% of college students have applied for loans, and more than 60% of them have made loans through online platforms. It can be seen that the Internet lending platform has become the main channel for credit loans for college students. The consumption pattern of credit consumption and advanced consumption is especially recognized by the new generation of post-90s college students.

　　"For college students who are about to enter the society from campus, it is urgent to make up the lesson of financial management knowledge." Zhang Xiaotao thinks that this may be more practical than learning more about history and geography.

　　Tao Hui, a lawyer of Tianjin Sifang Junhui Law Firm, suggested that consumers must enhance their awareness of self-protection and be responsible for their actions. First of all, we should have a rational concept of consumption. Once we sign a contract or show our personal documents, we should think twice carefully, especially to study the terms of the contract repeatedly.

　　She suggested that young people should cherish their credit records. Some consumers can’t refuse to pay back because they think they are victims, because since the contract is signed, microfinance companies do have the right to ask consumers to pay back the money. "Otherwise, they will leave indelible stains on their credit records, which will affect their lives."

　　China Youth Daily Zhongqing Online Reporter Hu Chunyan

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In other words, Dodge has ensured the supremacy of the demon in the challenger level. First of all, the devil has 840 horsepower and 770 pound-feet of torque, compared with 797 horsepower and 707 pound-feet in Redeye. Demon’s suspension is specially adjusted for the weight transfer characteristics of resistance competition. If you nail the launcher with narrow tires, its front wheel can be lifted from the ground. In addition, although Redeye does have a wired lock to make the rear wheels rotate while braking the front calipers, it does not let the devil’s straddle the brake to keep the car locked, because the throttle is applied to launch.

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Beijing Zhengban Fa [2011] No.10

The people’s governments of the districts and counties, the commissions, offices and bureaus of the municipal government, and the municipal institutions:

　　With the consent of the municipal government, we hereby print and distribute the passbook project of promoting domestic garbage disposal in Beijing in 2011 to you. Please attach great importance to the relevant units, cooperate closely, and pay close attention to the organization and implementation to ensure the completion of the task on schedule.

　　February 18, 2011　　

In 2011, Beijing promoted the passbook project of domestic waste treatment.

　　First, speed up the construction of garbage disposal facilities and promote the pollution control of existing facilities.

　　1。 Build the second phase of Gaoantun kitchen waste treatment plant, and promote the preliminary work of Chaoyang district domestic waste comprehensive treatment plant and other projects.

　　Main responsible unit: Chaoyang District Government

　　Co-organizers: Municipal Development and Reform Commission, Municipal Bureau of Land and Resources, Municipal Environmental Protection Bureau, Municipal Planning Commission and Municipal Appearance Commission.

　　2。 The kitchen waste treatment plant in Haidian District started construction, and the construction of domestic waste incineration plant and comprehensive treatment plant in Haidian District was promoted.

　　Main responsible unit: Haidian District Government

　　Co-organizers: Municipal Development and Reform Commission, Municipal Bureau of Land and Resources, Municipal Environmental Protection Bureau, Municipal Planning Commission and Municipal Appearance Commission.

　　3。 Construction of leachate treatment plant in Fengtai District Domestic Waste Circular Economy Park started, and the construction of wet decomposition treatment plant and kitchen waste treatment plant was promoted.

　　Main responsible unit: Fengtai District Government

　　Co-organizers: Municipal Development and Reform Commission, Municipal Bureau of Land and Resources, Municipal Environmental Protection Bureau, Municipal Planning Commission and Municipal Appearance Commission.

　　4。 Accelerate the construction of Wulituo garbage biochemical treatment project.

　　Main responsible unit: Shijingshan District Government

　　Co-organizers: Municipal Development and Reform Commission, Municipal Bureau of Land and Resources, Municipal Environmental Protection Bureau, Municipal Planning Commission and Municipal Appearance Commission.

　 　 　 　5。 Accelerate the construction of Lujiashan garbage sorting, incineration and power generation project.

　　Main responsible units: Mentougou District, Haidian District, Fengtai District, Shijingshan District Government, and Municipal Appearance Committee.

　　Co-organizers: Municipal Development and Reform Commission, Municipal Bureau of Land and Resources, Municipal Environmental Protection Bureau, Municipal Planning Commission and Municipal Housing and Urban-Rural Development Commission.

　　6。 Nangong Domestic Waste Incineration Plant started construction.

　　Main responsible units: Daxing District Government and Municipal Appearance Committee.

　　Co-organizers: Municipal Development and Reform Commission, Municipal Bureau of Land and Resources, Municipal Environmental Protection Bureau and Municipal Planning Commission.

　　7。 Promote the construction of Changyang garbage comprehensive treatment plant and Mentougou Jiaojiapo comprehensive treatment plant.

　　Main responsible units: Fangshan District, Mentougou District and Shijingshan District Governments.

　　Co-organizers: Municipal Development and Reform Commission, Municipal Bureau of Land and Resources, Municipal Environmental Protection Bureau, Municipal Planning Commission and Municipal Appearance Commission.

　　8。 Carry out the preliminary work of Asuwei circular economy park, and promote the construction of Huayuan Huizhong garbage-derived fuel energy plant.

　　Main responsible units: Changping District Government and Municipal Appearance Committee.

　　Co-organizers: Municipal Development and Reform Commission, Municipal Bureau of Land and Resources, Municipal Environmental Protection Bureau, Municipal Planning Commission, Municipal Housing and Urban-Rural Development Commission and Beijing Electric Power Company.

　　9。 Complete the preliminary work of the project establishment and land acquisition of the comprehensive treatment center (Phase I) of Liangjiawu Domestic Waste.

　　Main responsible units: Tongzhou District Government and Municipal Appearance Committee Co-organizers: Municipal Development and Reform Commission, Municipal Bureau of Land and Resources, Municipal Environmental Protection Bureau and Municipal Planning Commission.

　　10。 Shunyi Domestic Waste Incineration Plant (Phase II) started construction.

　　Main responsible unit: Shunyi District Government

　　Co-organizers: Municipal Development and Reform Commission, Municipal Bureau of Land and Resources, Municipal Environmental Protection Bureau, Municipal Planning Commission and Municipal Appearance Commission.

　　Eleven. Accelerate the construction of comprehensive treatment plant for domestic waste in Pinggu District.

　　Main responsible unit: Pinggu District Government

　　Co-organizers: Municipal Development and Reform Commission, Municipal Bureau of Land and Resources, Municipal Environmental Protection Bureau, Municipal Planning Commission and Municipal Appearance Commission.

　　Twelve. Miyun county domestic waste comprehensive treatment plant started construction.

　　Main responsible unit: Miyun county government

　　Co-organizers: Municipal Development and Reform Commission, Municipal Bureau of Land and Resources, Municipal Environmental Protection Bureau, Municipal Planning Commission and Municipal Appearance Commission.

　　Thirteen. Promote the construction of kitchen waste treatment projects in Dongcheng, Xicheng, Mentougou, Tongzhou, Shunyi, Yanqing and other districts and counties.

　　Main responsible unit: relevant district and county governments.

　　Co-organizers: Municipal Development and Reform Commission, Municipal Bureau of Land and Resources, Municipal Environmental Protection Bureau, Municipal Planning Commission and Municipal Appearance Commission.

　　14。 Carry out the preliminary work of new technology demonstration projects such as plasma and garbage-derived fuel.

　　Main responsible unit: Municipal Appearance Committee Co-organizer: Municipal Environmental Protection Bureau.

　　Fifteen. Carry out the treatment of 20 informal landfill sites.

　　Main responsible unit: relevant district and county governments.

　　Co-organizers: Municipal Appearance Committee and Municipal Finance Bureau.

　　Two, promote the source classification of garbage, increase the recycling of renewable resources.

　　16。 The annual growth rate of domestic waste production in the six districts of the city is controlled below 4%, and the growth rate in the outer suburbs is controlled below 8%.

　　Main responsible unit: district and county governments

　　Co-organizers: Municipal Municipal Appearance Committee and Municipal Statistics Bureau.　

　　17。 1,200 new garbage classification standard communities will be added, and the pilot work of garbage classification standard will be carried out in 1,200 administrative villages; Municipal party and government organs, district and county government offices to carry out waste classification standards pilot.

　　Main responsible unit: district and county governments

　　Co-organizers: Municipal Finance Bureau, Municipal Housing and Urban-Rural Development Committee, Municipal Appearance Committee, Municipal Agriculture Committee and Municipal Commerce Committee.

　　18。 We will promote the renovation and construction of equipment and facilities for classified collection, transportation and storage of garbage such as closed cleaning stations, basically complete the renovation task of closed cleaning stations in urban areas, and support the use of energy-saving and environmentally-friendly garbage classified collection and transportation vehicles.

　　Main responsible unit: district and county governments

　　Co-organizers: Municipal Science and Technology Commission, Municipal Public Security Bureau, Municipal Environmental Protection Bureau, Municipal Planning Commission, Municipal Appearance Commission, Municipal Transportation Commission and Municipal Quality Supervision Bureau.

　　19。 Improve the system of classified collection, transportation, treatment and resource recovery of garbage in rural areas, and promote the construction of rural renewable resource recovery outlets.

　　Main responsible unit: relevant district and county governments.

　　Co-organizers: Municipal Environmental Protection Bureau, Municipal Planning Commission, Municipal Appearance Commission, Municipal Agriculture Commission and Municipal Commerce Commission.

　　20。 300 renewable resource recycling sites will be newly built, and two leading enterprises in renewable resource recycling will be cultivated.

　　Main responsible unit: Municipal Commission of Commerce

　　Co-organizers: City Six District Government, Municipal Development and Reform Commission, Municipal Public Security Bureau, Municipal Finance Bureau, Municipal Bureau of Land and Resources, Municipal Environmental Protection Bureau, Municipal Planning Commission, Municipal Housing and Urban-Rural Construction Commission, Municipal Appearance Commission and Municipal Administration for Industry and Commerce.

　　Three, standardize the management of construction waste, promote the construction of resource reuse facilities.

　　21。 The implementation of construction waste disposal permit, strengthen the supervision and management of construction waste. Gradually realize the acceptance, examination and approval of construction waste discharge and disposal permit application and the sharing of information resources for administrative examination and approval of construction permit, and carry out joint office of administrative examination and approval. We will implement the Provisions of Beijing Municipal People’s Government on Prohibiting Vehicle Transport Leakage and Spreading and the Regulations on Green Construction Management, and control the road spillage and muddy wheels of construction waste transport vehicles from the source.

　　Main responsible units: Municipal Appearance Committee, Municipal Housing and Urban-Rural Construction Committee.

　　Co-organizers: district and county governments, municipal environmental protection bureau, municipal quality supervision bureau and municipal urban management and law enforcement bureau.

　　22。 To study and formulate industrial policies for recycling construction waste, quality standards for recycled products, technical regulations for application of recycled products and policies for promotion and use. Main responsible units: Municipal Appearance Committee, Municipal Housing and Urban-Rural Construction Committee.

　　Co-organizers: Municipal Development and Reform Commission, Municipal Finance Bureau, Municipal Planning Commission, Municipal Transportation Commission and Municipal Quality Supervision Bureau.

　　23。 Carry out two demonstration projects of construction waste resource treatment facilities in Jingnan and Jingbei, and strive to achieve a resource treatment capacity of 2 million tons/year.

　　Main responsible units: Municipal Appearance Committee, Municipal Housing and Urban-Rural Development Committee and relevant district and county governments.

　　Co-organizers: Municipal Development and Reform Commission, Municipal Bureau of Land and Resources, Municipal Environmental Protection Bureau and Municipal Planning Commission.

　　Four, strengthen the supervision of garbage disposal, increase policy support.

　　24。 The harmless treatment rate of domestic garbage in six districts of the city and suburban counties reached 100% and 88% respectively.

　　Main responsible unit: district and county governments

　　Co-organizers: Municipal Municipal Appearance Committee and Municipal Statistics Bureau.

　　25。 Carry out the preliminary work for the construction of the supervision system for the operation of garbage disposal facilities.

　　Main responsible unit: Municipal Municipal Appearance Committee

　　Co-organizers: Municipal Development and Reform Commission, Municipal Economic Information Commission, Municipal Environmental Protection Bureau and relevant district and county governments.

　　26。 We will promote the pilot work of the metering system of integrated circuit cards for municipal garbage disposal facilities.

　　Main responsible unit: Municipal Municipal Appearance Committee

　　Co-organizers: district and county governments and municipal finance bureau.　

　 　 　 　27。 We will promote the full-closed membrane covering operation technology of domestic waste landfills such as Liulitun and Yonghezhuang, and improve the leachate treatment capacity of facilities.

　　Main responsible units: relevant district and county governments, municipal committee of city appearance.

　　Co-organizers: Municipal Development and Reform Commission, Municipal Finance Bureau and Municipal Environmental Protection Bureau.