上海花千坊爱上海-上海后花园论坛-夜上海龙凤419论坛

　　On the theme of the 100-day countdown to the 19th Asian Games in Hangzhou, the medal "Hushan" was officially released.

　　The shape of "Hushan" is taken from the jade cong, a ritual vessel in Liangzhu culture. The shape of "Hushan" is similar to that of the jade cong from top to bottom, with a round outside and a unique style, with high recognition.

　　The surface of "Hushan" presents the geographical characteristics of Hangzhou. On the obverse of the medal, the mountains and the West Lake are outlined with protruding clever lines, and the broken bridge and the three pools and the moon are embedded in it, which is the origin of the name "Hushan". The lake is rippling and the mountains are undulating. The figure of "Lake and Mountain" also shows the sportsmanship of athletes climbing one peak after another.

　　On the back of "Hushan", the name of the Asian Games and the sun emblem of the Olympic Council of Asia are engraved, which looks like a square seal as a whole, meaning that the athletes left a beautiful mark on the Hangzhou Asian Games.

　　There is also a three-hole bridge with reflection above the "Hushan", which is taken from Gongchen Bridge at the southernmost tip of the Beijing-Hangzhou Grand Canal. A medal will integrate three world cultural heritages in Hangzhou: Liangzhu, West Lake and Grand Canal.

　　"Lake Mountain" is the core element of the visual image system of Hangzhou Asian Games after the emblem "Tide", mascots "Congcong", "Chenchen" and "Lotus", the core graphic "Moisturize" and the torch "Burning Fire", and it is an important expression of Asian Games cultural aesthetics. (Headquarters reporter Gao Wei Sun Rui)

Gourmet is a kind of philosophy. Gu Wenhao wrote in "The History of Civilization on the Tip of the Tongue", "Whether it is to arouse yesterday’s world or to explore the deep reasons for the changes of the times. Food is no longer a simple thing to eat. On the contrary, it fully participated in the shaping process of personal memory and the whole society. The regional specialty food is especially in the hometown, which carries the smell of the hometown of the country when the youth is young; For early adopters, it conveys the unique cultural core of distant places. "

Gourmet philosophy, the quiet rise of regional cuisine

The sudden epidemic has trapped Wuhan. For a time, every bit of Wuhan touched the hearts of the people all over the country. With the gradual disappearance of the epidemic, people’s worries about Wuhan and its people have gradually turned into expectations and blessings for its rapid recovery. However, in the face of the tourism industry that has not resumed as usual, both the Yellow Crane Tower and Wuda Sakura are still far from us. At the moment when the travel was stopped, it trapped the body but could not help the Chinese people to explore the gluttony of regional cuisine. A national regional food feast has quietly emerged on the Internet, and the sales of regional food such as snail powder, hot pot, hot and sour powder and rice noodles have soared. At the same time, Regan Noodles has become the "sustenance" of the people of the whole country. According to statistics, from January 20th to March 2nd, 2020, snail powder on Taobao ranked first among the best-selling products. At the same time, the sales of convenience Regan Noodles products have also increased substantially. The epidemic of "black swan" has brought new opportunities to regional cuisine.

Investigating the reasons for the sudden emergence of regional cuisine, Professor Zhou Hongcheng from China Institute of Food Culture, Zhejiang Gongshang University interprets it as follows: First of all, the production process of regional cuisine is relatively simple and the production process is not complicated, and the short, flat and fast cooking method conforms to the fast-paced life trend of modern people; Secondly, regional cuisine can satisfy diners’ psychological curiosity about unknown tastes in different regions; Furthermore, the online celebrity of regional cuisine has also promoted the rapid development of regional cuisine.

Indeed, the sudden emergence of regional cuisine in the past two years is closely related to its regional culture and modern people’s different psychological demands for food. First of all, there is a profound historical and cultural endorsement behind the "small but specialized" regional cuisine with distinctive characteristics, which is not only food but also traditional culture. According to ccas《2019 Asian Catering Development Report, 87.5% of the respondents believe that food exchange and mutual learning is an important way to communicate with cultural civilization. Secondly, the new media channels represented by short videos provide a huge flow and window for spreading regional food culture. Tik Tok search data shows that the search volume with "gourmet" as the key word in the first quarter has greatly increased compared with the past. The bottom-up communication path also provides an emotional foundation for the spread of regional cuisine. A large number of regional cuisines have changed from grassroots to popular national cuisines, and local snacks such as Moon steamed buns, Taiwan Province rice balls, northeast fried skewers, snail powder, hot and sour powder and Regan Noodles are the representatives of this cultural phenomenon.

Carrying blessings, Regan Noodles jumped into online celebrity’s new "group pet"

Among many regional cuisines, Regan Noodles will undoubtedly be the big winner this year, and its popularity has even become a cultural phenomenon. According to "Taobao Eating Big Data Report in 2019", Regan Noodles sold 4.78 million pieces a year, ranking among the top of the list of "Chinese regional snacks" and enjoying a good popularity. With the restart of Wuhan, Regan Noodles, the "old online celebrity", has become a "new group pet" in the regional food industry, and has a tendency to surpass the big brother snail powder. According to media reports, recently, many Regan Noodles brands are out of stock or pre-sold on shopping platforms such as Tmall and JD.COM. Among them, the delivery time of Regan Noodles products in pre-sale needs to wait for many days, and the hot scene can be seen.

One of the reasons why Regan Noodles can stand out among many regional beauty foods is its unique taste. Everyone in Wuhan knows that authentic sesame sauce is the soul of Regan Noodles. After eating a bite, the faint sesame fragrance overflows the mouth, the crispy side dishes are fresh and delicious, and the noodles are strong, refreshing and slippery. The second is because of its cultural connotation. As the city card of Wuhan, the authentic Regan Noodles with glutinous gluten sauce, spicy and delicious flavor is like the cool and honest and frank character of Wuhan people, showing the fashionable attitude of Wuhan. In 2014, Wuhan Regan Noodles was officially declared as a national intangible cultural heritage, and it was also called "Four Noodles in China" with Zhajiang Noodles in Beijing, Daoxiao Noodles in Shanxi, Lamian Noodles in Lanzhou and Dandan Noodles in Sichuan. Thirdly, as the epitome of Wuhan, Regan Noodles has become a national memory of the epidemic, and has been endowed with more national cultural symbols, placing the blessings and expectations of the people of the whole country on Wuhan.

At 0: 00 on April 8, Wuhan lifted the control measures for the passage from Han to Hubei, and Wuhan finally got out of the cold winter. A picture by Weibo netizen @ Chen Xiaotao momo exploded the network, and "Regan Noodles, long time no see" became a popular buzzword and rushed to the hot search. In order to help Wuhan and Hubei recover as soon as possible, JD.COM and other e-commerce platforms launched a "buy all Hubei goods" campaign, and a number of featured goods, including Regan Noodles, "exploded" on the platform. Zhou Danpeng, a food industry analyst in China, also mentioned the influencing factors of emotional marketing when interpreting the sudden hot sale phenomenon in Regan Noodles.

"Noodles" compete for hegemony, and good sesame sauce is the authentic taste.

But at present, there are many brands in Regan Noodles market, and their tastes are complicated. Search "Regan Noodles" through "Sky Eye Search", and there are 18,679 related companies. A dazzling array of products can be described as "the flowers are gradually fascinating." How to select Regan Noodles with authentic flavor from many brands like "the fight between immortals" has become a difficult problem for consumers.

Recently, Huang Cancan, an artist who was born in Hubei and grew up in Wuhan, joined hands with the self-catering brand that created a catering standard for one person to launch an authentic Regan Noodles-self-catering Wuhan Vitality Regan Noodles. Adopt imported wheat, 10 degrees cold water multi-pass kneading technology to make dough, and the gluten is refreshing; The black sesame paste rolled by traditional technology is rich and mellow; Just the right sour beans, sour and appetizing; Spicy radish diced with radish as raw material is fresh and crisp; With chopped green onion and sesame seeds, the authentic Wuhan flavor of Regan Noodles will be brought into full play.

"Regan Noodles’s soul is sesame sauce. Since the pot of Wuhan vitality, Regan Noodles has brought the mellow flavor of sesame sauce to the extreme. The addition of small ingredients such as sour beans and spicy radish diced enriches the taste, and the spicy oil and sauce are just right, making the taste more Wuhan-like." In order to restore authentic delicacies to the greatest extent, as the delicious ambassador of Regan Noodles, Huang Cancan personally participated in product development. Among them, the proportion of sesame sauce is constantly adjusted based on her feedback, just to find the authentic taste of Wuhan.

After 1995, Huang Cancan met Wuhan Regan Noodles with a history of nearly a hundred years, just like the collision between young people and traditional culture, which showed the original attitude of young consumers towards life, not only pursuing texture, but also being fashionable and interesting. As a Regan Noodles with the same attitude, Zihiguo Wuhan Vibrant Regan Noodles is not only rich in material, delicious, but also attractive and interesting. It incorporates local cultural elements in packaging design, and the appearance of Wuhan dialects such as "premature", "solid" and "right appetite" brings authentic flavor to consumers. The intimate design of the filter hole and the transparent food-grade lunch box show the attitude of a food enterprise and its insistence on quality.

It is worth mentioning that this dynamic Regan Noodles in Wuhan has also pinned the emotional resonance of the self-hi pot, Huang Cancan and Wuhan. After the outbreak of the epidemic in January 2020, Zihuiguo took the lead in donating more than 5 million yuan worth of Zihuiguo to more than 50 hospitals in key areas of COVID-19, such as Wuhan, Xiangyang, Yichang and Huanggang, becoming the first internet enterprise to donate to the epidemic area and the first emergency food to be delivered to Wuhan hospital. Huang Cancan, a native of Hubei Province, also donated 30,000 copies of self-hi-pot products to the epidemic area in conjunction with self-hi-pot. This origin is also an important opportunity for the launch of Wuhan Vitality Regan Noodles.

One-person aesthetics opens the era of "exclusive enjoyment" of food

According to statistics, in 2018, the sales of "one-person food" foods, such as self-heating hot pot and snail powder, increased by over 60% year-on-year. According to the data report of "National Taste in 2019-2020" released by Tmall, one-person food will become one of the six annual food consumption trends in 2020. With the growing number of single people living alone, the single economy has risen, and one-person eating has gradually become a trend.

At the same time, the main group of "eating for one person" is Generation Z, and this group of young people who pursue the attitude of "being alone but not alone" are more willing to enjoy this consumption habit. The Post-95 Lifestyle Research Report describes the characteristics of this group in detail. They are more concerned about "experience" and "frugality" at the same time, and they try to tap better value and service. In terms of attitude towards food, it is reported that Generation Z pays more attention to food health, takes a fancy to food culture, likes DIY process and interaction. Their attitude towards food is closer to the category of "aesthetics".

In order to conform to the brand-new lifestyle and psychological aesthetic appeal of Z generation, the brand of self-help pot has formed its own unique product matrix. Focusing on the regional taste, Zihiguo, which devotes itself to promoting Chinese food culture, has successively launched online celebrity regional special fast food products, such as snail powder self-heating pot (Guangxi), chicken soup with small fresh mushrooms (Yunnan fresh mushrooms), Japanese dolphin bone self-heating pot, Korean army self-heating pot, beef clay pot with sand tea (Guangzhou), Chongqing Xiao noodles, etc., so that young people of generation Z can taste delicious food from all over the country without leaving home. The launch of Regan Noodles has further enriched the product layout of regional cuisine in Zihiguo, and enabled more Z-generation young people and food lovers to taste the original "Wuhan flavor", satisfied their curiosity about food, and provided rich life choices of "eating for one person".

　　CCTV News:According to the website of the housing fund management center of the central state organs, in recent years, the housing fund management center of the central state organs (hereinafter referred to as the fund center) has thoroughly implemented the spirit of the 19th National Congress of the Communist Party of China and the requirements of the "streamline administration, delegate power, strengthen regulation and improve services" reform in the State Council, actively supported the payment of workers’ basic housing consumption demand, vigorously promoted reform and innovation, optimized business processes, streamlined certification materials, improved work efficiency, and effectively reduced the burden on workers, and achieved remarkable results, which were affirmed by the broad masses of cadres and workers. In order to thoroughly implement the Party Central Committee’s positioning requirement of "insisting that houses are used for living, not for speculation", to guide employees to pay reasonable housing consumption, and to further facilitate their work, according to the relevant documents of the Ministry of Housing and Urban-Rural Development, we have adjusted some housing provident fund personal housing loans (hereinafter referred to as loans).

　　In order to facilitate employees to better understand the Notice on Issues Related to Adjusting Housing Provident Fund Personal Housing Loan Policy and Further Optimizing Services (hereinafter referred to as the Notice), the relevant contents are now interpreted as follows.

　　First, support employees to buy policy housing.

　　In order to further implement the Party Central Committee’s positioning requirement of "insisting that houses are used for living, not for speculation", give full play to the people’s livelihood protection function of housing provident fund, and further increase efforts to support paid employees to purchase policy-oriented housing, the Notice gives priority to supporting employees who purchase policy-oriented housing to apply for loans in terms of loan amount, number of housing units and approval time limit.

　　"Purchase policy housing for loans … … The processing period from application to issuance does not exceed 8 working days "excluding portfolio loans, which must meet the lending requirements of commercial banks at the same time."

　　Second, adjust the deposit conditions for loan applications

　　According to the relevant regulations of the Ministry of Housing and Urban-Rural Development on the loan conditions of loan applicants, the deposit time when applying for a loan is changed from the original "the loan applicant should establish a housing provident fund account for 12 months, and the full amount should be paid continuously 12 months before applying for a loan (6 months for purchasing policy-oriented housing)" to "the loan applicant should pay the housing provident fund continuously for more than 6 months (inclusive) when applying for a loan".

　　Third, further implement the differentiated loan policy

　　(1) The standard for determining the number of housing units has been adjusted from "recognizing housing but not lending" to "recognizing housing and lending". "House" refers to the house in Beijing under the name of the borrower, and "loan" refers to the nationwide commercial housing loan records and housing provident fund loan records in the personal credit information system of the People’s Bank of China. If divorced after March 24, 2017 and divorced for less than one year when applying for a loan, the original policy will still be implemented and handled according to the second set of housing loan policies.

　　(2) Adjust the down payment ratio and the maximum loan amount for the second house. In order to increase the support for employees’ basic housing needs, ensure that housing provident fund loans are mainly used to guarantee the demand for first-time housing purchase and policy-oriented housing purchase, and guide employees’ demand for improved housing purchase to be mainly solved through portfolio loans, the down payment ratio will be adjusted from a unified 20% to a classified 20% for the purchase of affordable housing; 30% down payment for the purchase of the first set of housing other than affordable housing; If you buy a second house, the down payment will be 60%, and the maximum loan for the second house will be reduced from 800,000 yuan to 600,000 yuan.

　　Four, adjust the loan period and the upper limit of monthly repayment.

　　In order to implement the relevant provisions of the Ministry of Housing and Urban-Rural Development and strengthen risk prevention and control, the loan period of the loan applicant can be adjusted from the longest calculation to the 70-year-old of the loan applicant to the longest 65-year-old; The upper limit of the monthly repayment amount is adjusted from "after the income of the borrower and spouse repays the loan every month, the per capita living expenses retained shall not be lower than the basic living expenses standard of Beijing" to "on the premise of ensuring the basic living expenses of the borrower, the monthly repayment amount calculated by the equal principal and interest repayment method shall not exceed 60% of the monthly income of the borrower according to the loan amount, term and applicable interest rate applied by the borrower."

　　Five, to further facilitate employees to handle business.

　　(a) to start the housing provident fund loan repayment business. In order to facilitate the borrower to repay the loan, the fund center opens the business of housing provident fund repayment, and can deduct the balance of the borrower’s housing provident fund account by accounting treatment on the deduction date agreed in the Loan Contract to offset all the repayment amount of the loan in the current period. When applying for a loan, the loan applicant can voluntarily choose whether to open the loan repayment. If the loan repayment is not opened but overdue, the fund center can directly deduct the funds in the housing provident fund account to repay the loan. Loans accepted from the date of issuance of the Notice can be applied for opening the loan repayment.

　　(2) Further streamline the certification materials. In addition to streamlining the copies of some certification materials, if the loan applicant transfers to the fund center to deposit the housing provident fund through the national housing provident fund transfer and connection platform, if the deposit time of the housing provident fund does not meet the relevant regulations when applying for a loan, you can inquire about the deposit information in different places through the loan handling outlets, and you don’t need to go back to the original deposit city provident fund center to issue the Certificate of Deposit and Use of Housing Provident Fund for Employees with Foreign Loans.

　　(3) Publicizing the progress of loan processing. The fund center publicizes the progress of loan processing in time, which facilitates the loan applicant to choose the best handling bank according to the handling efficiency of bank outlets and the loan interest rate of portfolio lenders while accepting social supervision.

　　VI. Implementation Time of the Notice

　　The relevant contents of the loan policy adjustment in the Notice shall be subject to the online signing time of the house purchase contract; The relevant contents of the measures to optimize the service shall be subject to the loan acceptance time.

　　Xinhua News Agency, Beijing, October 5th Title: Opening up a new realm of self-revolution of the century-old Party — — Summary of the achievements of strictly administering the Party in an all-round way since the 18th CPC National Congress

　　Xinhua News Agency reporters Sun Shaolong, Wang Qi and Wang Ziming.

　　"Strictly administering the party in an all-round way is the great practice of the party’s self-revolution in the new era, which has opened up a new realm of the party’s self-revolution in the past century."

　　Since the 18th National Congress of the Communist Party of China, the CPC Central Committee with the Supreme Leader as the core has made historic and pioneering achievements in promoting the comprehensive and strict administration of the Party with unprecedented courage and determination, and has produced all-round and deep-seated influence.

　　Political Guidance, Focusing on "Two Safeguards" and Strengthening Political Supervision

　　The sky is high, the clouds are light and the air is fresh. Walking into the Muli mining area at the southern foot of Qilian Mountain, the old scene of coal ash covering the sky and deep pits is no longer replaced by green everywhere.

　　The key to the remarkable achievements in the comprehensive improvement of Muli mining area is to start with political discipline and dig deep into the political problems behind the ecological problems.

　　The report of the 19th National Congress of the Communist Party of China pointed out: "Put the party’s political construction in the first place" and "the party’s political construction is the fundamental construction of the party".

　　Party organizations at all levels have continuously enhanced the political consciousness of "two maintenances" to ensure that the decision-making arrangements of the CPC Central Committee are implemented in place. Discipline inspection and supervision organs adhere to the Party Central Committee’s decision-making and political supervision, take the lead in practicing the "two maintenances", closely focus on the overall work of the party and the state, and play a role in supervising and ensuring implementation and promoting perfect development.

　　Corruption is essentially political deterioration, and there are often political problems behind corruption.

　　Recently, cases involving political gangs in Sun Lijun were pronounced in the first instance. Punishing Sun Lijun’s political gangs severely according to law fully embodies the firm determination and strong will of the CPC Central Committee to punish corruption with a zero-tolerance attitude.

　　Insist on dealing with the clues of problems from the strict political discipline, and carry out examination and investigation from the political discipline … … Discipline inspection and supervision organs at all levels have always grasped the most fundamental and important discipline of political discipline, deeply integrated political supervision with review and investigation, implemented strict political discipline and political rules to specific people and things, and made efforts to eliminate political hidden dangers and maintain political security.

　　At the same time, keep a close eye on the "key minority", thoroughly implement the "Opinions of the Central Committee of the Communist Party of China on Strengthening the Supervision of the Top Leaders and Leading Groups", strengthen the supervision over the implementation of democratic centralism, the right to perform duties according to laws and regulations, and the integrity and self-discipline, so as to promote leading by example and take good responsibility.

　　In early 2020, the COVID-19 epidemic struck. At the beginning of the epidemic, the CPC Central Committee issued the Notice on Strengthening the Party’s Leadership and Providing Strong Political Guarantee for Winning the Prevention and Control of the Epidemic, clearly emphasizing that those who dare not take responsibility, have a floating style of work, fail to implement it effectively, or even resort to deceit and dereliction of duty should be seriously held accountable.

　　Only when you are excellent can you fight hard. From poverty alleviation to rural revitalization, political supervision has always been powerful and effective in the big exams again and again, resolutely breaking formalism and bureaucracy in the process of implementing the decision-making and deployment of the CPC Central Committee, and making party flag fly high in the front line.

　　Focus on major strategies such as grasping the new development stage, implementing new development concepts, building a new development pattern, and promoting high-quality development, and focus on key tasks such as comprehensively deepening reform and opening up, promoting common prosperity, promoting self-reliance and self-reliance in science and technology, and preventing and resolving major risks. Discipline inspection and supervision organs at all levels strengthen supervision and inspection, promote the implementation of the decision-making arrangements of the CPC Central Committee, and escort economic and social development with firm and powerful performance.

　　Systematic treatment and comprehensive management of the party "combination boxing"

　　"A total of 7,799 cases of mental problems in violation of the eight central regulations were investigated and dealt with, 11,226 people were criticized, educated, helped and dealt with, and 7,752 people were given disciplinary and administrative sanctions."

　　On September 26, 2022, the State Supervision Commission of the Central Commission for Discipline Inspection announced the summary of the investigation and punishment of mental problems in violation of the eight central regulations in August this year. This is the 108th consecutive month that this data has been released.

　　Eight regulations have profoundly changed China.

　　On December 4, 2012, the the Political Bureau of the Communist Party of China (CPC) Central Committee meeting deliberated and adopted eight regulations of the Political Bureau of the Central Committee on improving work style and keeping close contact with the masses. To solve the problem with the eight central regulations, a change of style that is turbulent and clear has washed away the land of China. Since the 19th National Congress of the Communist Party of China, the CPC Central Committee has made new arrangements and put forward new requirements for persevering in the discipline, revised and improved the detailed rules for the implementation of the eight central regulations, and promoted the construction of the party’s work style without slackening, stopping and starting again.

　　From curbing "waste on the tip of the tongue" to stopping "corruption on wheels" and then rectifying "unhealthy practices in clubs"; From taking various measures to curb "sky-high moon cakes" and "sky-high alcohol and tobacco", to practicing economy and opposing waste as a new social trend, and then to the new marriage and simple funeral being accepted by more and more people … … The party style and political style lead the social style and folk customs, and the people have become participants and beneficiaries of the work style construction.

　　Since the 18th National Congress of the Communist Party of China, as of April this year, 723,000 cases of mental problems in violation of the eight central regulations have been investigated and dealt with, and 644,000 people have been given disciplinary and administrative sanctions. Bad style, which is deeply hated by the people, has been effectively curbed.

　　Strengthen the construction of work style with the spirit of nailing, and resolutely punish corruption with a zero tolerance attitude.

　　People clearly remember that on December 13, 2014, when General Secretary of the Supreme Leader visited Zhenjiang, Jiangsu Province, Cui Ronghai, a 74-year-old man, squeezed into the crowd and said, "You are the bane of corrupt elements and the lucky star of the people of the whole country!"

　　Sincere admiration reflects the people’s heartfelt support for the anti-corruption struggle.

　　Since the 18th National Congress of the Communist Party of China, the CPC Central Committee, with the supreme leader as the core, has been determined to use fierce drugs to eliminate the disease and severely punish the disorder, and has advanced the anti-corruption struggle with the courage of scraping the bones to cure the poison and breaking the wrists of strong men — —

　　There is no forbidden zone for "tiger hunting". Since the 18th National Congress of the Communist Party of China, more than 500 middle-ranking cadres have been put on file for investigation.

　　"Flipping flies" is not soft. Since the 19th National Congress of the Communist Party of China, as of April this year, the country has investigated and dealt with 496,000 corruption and work style problems in the field of people’s livelihood, and given 456,000 disciplinary and administrative sanctions.

　　"Fox hunting" does not stop. Since the 19th National Congress of the Communist Party of China, "Skynet Action" has recovered 6,900 fugitives and 32.786 billion yuan in stolen money, and 61 "100 Hongtong personnel" have been brought to justice.

　　… …

　　From the stalemate between corruption and anti-corruption, to the overwhelming situation in the anti-corruption struggle, and then to the overwhelming victory and comprehensive consolidation, the party’s work style and clean government building and the anti-corruption struggle have achieved remarkable results in the past decade.

　　Do a good job in promoting reform and governance by case, and do a good job in the second half of the article; Give full play to the "magic weapon" role of ideological and political education and run it through the whole process of daily supervision and discipline enforcement; Give full play to the positive guiding role of clean culture and organically combine positive leading with negative warning … …

　　Since the 18th National Congress of the Communist Party of China, the shock of not daring to rot has been continuously strengthened, the cages that can’t rot have been continuously fastened, and the dams that don’t want to rot have become increasingly stable. The party’s work style and clean government building and the anti-corruption struggle have truly achieved "grasping the iron and leaving a mark on the stone".

　　Deepen reform and promote the improvement of the supervision system of the party and the state

　　March 23, 2018, Beijing Ping ‘an Lixi Street.

　　With the unveiling of the red silk on the bronze plaque of "the National Supervisory Commission (NSC) of the People’s Republic of China", a brand-new national anti-corruption agency was officially listed.

　　From pilot to comprehensive push; From the establishment of supervisory committees at all levels to the official unveiling in the National Supervisory Commission (NSC); From the formulation of the supervision law to the formulation and promulgation of a series of relevant laws and regulations, such as the administrative punishment law for public officials, the implementation regulations of the supervision law, and the supervision officer law … …

　　The reform of the national supervision system has been steadily and continuously deepened, the centralized and unified leadership of the CPC Central Committee over anti-corruption work has been continuously strengthened, and the level of standardization, rule of law and regularization of anti-corruption work has been continuously improved.

　　At the same time, the effective use of the "four forms" will make the red face sweating the norm, grasp the small early, prevent the micro-duration, and effectively promote the transformation from "punishing the very few" to "controlling the majority".

　　Data show that since the 18th National Congress of the Communist Party of China, as of April this year, the national discipline inspection and supervision organs have used the "four forms" to criticize, educate, help and handle 11.344 million person-times. Among them, the number of people who use the first and second forms of treatment accounts for more than 90%, which fully reflects the effectiveness of strengthening daily supervision.

　　In July 2022, the ninth round of patrol feedback of the 19 th Central Committee was completed. The 19 th central inspection completed the full coverage task with high quality.

　　Following the 18th Central Committee’s special patrol, the pilot "mobile" patrol and the first "looking back", the 19th Central Committee’s patrol set off again, constantly deepening the political patrol, keeping a close eye on the outstanding problems strongly reflected by the people, and constantly releasing the clear signal that the sword is hanging high and shocking.

　　Promote the overall integration and comprehensive coverage of the "four supervisions" of discipline supervision, supervision supervision, stationed supervision and inspection supervision; Guided by inner-party supervision, promote the organic integration and mutual coordination of all kinds of supervision … … Under the strong leadership of the CPC Central Committee, the supervision system of the party and the state has been continuously improved, and the party’s ability of self-purification, self-improvement, self-innovation and self-improvement has been significantly enhanced.

　　Under the strong leadership of the CPC Central Committee with the Supreme Leader as the core, give full play to the role of political guidance and political guarantee in comprehensively and strictly administering the party, and strengthen the party’s advanced purity, unity and unity, our party will certainly be able to lead the people to achieve new great victories on the new journey.

　　Beijing, Sept. 30 (Xinhua)-The personal income tax threshold is adjusted to 5,000 yuan per month, the newly revised Regulations on Disciplinary Actions in the Communist Party of China (CPC) is implemented, and the procedures for handling medical disputes are clearer … … From October, a large number of new regulations will be implemented, which will affect all aspects of people’s lives.

　　— — The tax threshold is adjusted to 5,000 yuan per month.

　　From October, the people of China will usher in an important change, that is, the adjustment of the tax threshold.

　　The new tax law will be fully implemented on January 1, 2019. However, in order to let the people enjoy the tax reduction bonus as soon as possible, from October 1, 2018 to December 31, 2018, the basic deduction standard for wages and salary income will be raised to 5,000 yuan/month, and the tax will be calculated according to the new tax rate table.

　　After October 1st, when paying wages, the financial personnel of all enterprises and units must remember that the new expense standard of 5,000 yuan and the new tax rate table should be applied when withholding individual taxes.

　　— — Slander and slander hero models, and in serious cases expel from the party.

　　The newly revised Regulations on Disciplinary Actions in the Communist Party of China (CPC) will be implemented from October 1st. After nearly three years, the CCP has drawn a new "bottom line" of discipline to the whole party.

　　The newly revised "Regulations" emphasize that those who are inconsistent with the CPC Central Committee on major issues of principle and have actual remarks, actions or adverse consequences will be given warnings or severe warnings; If the circumstances are serious, he shall be dismissed from his post within the party or be placed on probation; If the circumstances are serious, he shall be expelled from the party.

　　In addition, those who vilify the image of the party and the state through the Internet, or vilify or slander party and state leaders and heroic models, or distort the history of the party, People’s Republic of China (PRC) and the people’s army, if the circumstances are minor, will be given a warning or a serious warning; If the circumstances are serious, he shall be dismissed from his post within the party or be placed on probation; If the circumstances are serious, he shall be expelled from the party.

　　— — Doctors tamper with forged medical records, and in severe cases, their licenses are revoked.

　　From October 1st, with the implementation of the Regulations on the Prevention and Handling of Medical Disputes, the principles, approaches and procedures for handling medical disputes will be more clear.

　　The "Regulations" clarify that if a medical institution falsifies, forges, conceals or destroys medical records, the competent health department of the people’s government at or above the county level shall give or order the person directly in charge or other directly responsible personnel to be given the punishment of demotion or dismissal, and the relevant medical personnel shall be ordered to suspend their practice activities for more than six months and less than one year.

　　In addition, if serious consequences are caused, the directly responsible person in charge and other directly responsible personnel shall be given or ordered to be dismissed, and the practice certificate of the relevant medical personnel shall be revoked by the original issuing department; If a crime is constituted, criminal responsibility shall be investigated according to law.

　　The Regulations also stipulate that patients have the right to consult and copy all medical records; Medical institutions and their medical staff shall explain the consultations and opinions put forward by patients and deal with them according to regulations, and verify, check and communicate the questions raised by patients; Medical institutions should establish and improve the complaint reception system to facilitate patients to complain or consult.

　　— — False litigation will be convicted.

　　On October 1st, the Interpretation on Several Issues Concerning the Application of Laws in Handling Criminal Cases in false litigation promulgated by the Supreme People’s Court and the Supreme People’s Procuratorate will also be officially implemented.

　　According to the judicial interpretation, a person who unilaterally or maliciously colludes with others, fabricates a civil legal relationship, fabricates a civil dispute, and brings a civil lawsuit to the people’s court by means of forging evidence, false statements, etc., shall be deemed as a criminal act in false litigation as stipulated in the Criminal Law.

　　In addition, an application to the people’s court for enforcement of an arbitral award or a notarized creditor’s rights document based on fabricated facts, or an application to participate in the implementation of property distribution based on fabricated facts, is a criminal act in false litigation.

　　— — Takeaway providers should publicize the names of dishes and main raw materials online.

　　The newly revised Code of Practice for Food Safety in Catering Services will also be implemented from October 1st.

　　The Code requires online catering services. Third-party platform providers and online catering service providers should publicize the name, address, food safety grade information and food business license of catering service providers online.

　　In addition, catering service providers should publicize the names of dishes and main raw materials online.

　　— — The recruitment information released by the employer shall not contain gender discrimination.

　　From October 1st, the Provisional Regulations on Human Resources Market will also be officially implemented to protect job seekers.

　　According to the "Regulations", no place or unit may set conditions that restrict the flow of human resources in terms of household registration, region and identity in violation of state regulations.

　　In addition, the Regulations also clarify that the recruitment information such as the basic information of the unit, the number of recruits, the recruitment conditions, the work content, the work place, the basic labor remuneration, etc. released by the employer or provided to the human resources service institutions shall be true and legal, and shall not contain discriminatory contents in terms of nationality, race, gender, religious beliefs, etc.

　　— — The food "QS" logo will disappear.

　　When you go to supermarkets, shopping malls and other places to buy food after October 1, you must read this sign clearly — — "SC" plus 14 Arabic numerals.

　　On October 1, 2015, the newly revised Food Safety Law came into effect. As its supporting regulations, the Administrative Measures for Food Production License formulated by china food and drug administration was implemented simultaneously. The "Measures" clarify that newly certified food producers should mark the new food production license number "SC" plus 14 Arabic numerals on food packaging or labels, and no longer mark the "QS" mark.

　　The Measures give producers a transition period of no more than three years, that is, foods produced on or after October 1, 2018 are not allowed to continue to use the original packaging and labels and the "QS" mark.

　　— — Road traffic disputes can be mediated online.

　　Since October, with the implementation of the "Work Specification for Online Data Integration Processing of Road Traffic Accident Compensation Disputes (Trial)", the mediation of road traffic disputes will be more convenient.

　　According to the regulations, after a dispute occurs, the parties can directly enter the online integrated processing platform for road traffic disputes to use the claim calculator, or directly file a mediation application or lawsuit online; After receiving the mediation application from the parties and the mediation application initiated by the traffic administrative department of the public security organ and the people’s court, the mediation organization enters the platform for online mediation, so as to maximize the use of platform resources and effectively resolve disputes.

　　— — Unauthorized use of the Internet to sell lottery sports lottery tickets is regarded as illegal lottery tickets.

　　The revised Rules for the Implementation of Lottery Management Regulations will come into effect on October 1st, which clarifies the identification of illegal lottery tickets.

　　These include: issuing and selling lottery tickets other than welfare lottery tickets and sports lottery tickets without the permission of the State Council; Overseas lottery tickets issued and sold without authorization in People’s Republic of China (PRC); Welfare lottery tickets, sports lottery varieties and lottery games issued and sold without the approval of the Ministry of Finance; Welfare lottery tickets and sports lottery tickets sold without authorization of lottery issuing agencies and lottery sales agencies; Welfare lottery tickets and sports lottery tickets sold through the Internet without authorization. (End)

　　Cctv newsAccording to the website of the Ministry of Environmental Protection, the Ministry of Environmental Protection today reported the progress of emergency response to the sixth nuclear test of North Korea. As of 10: 00 on September 9, the real-time monitoring data of the atmosphere, mobile monitoring vehicles, drones and aerial survey data obtained by the automatic monitoring station of radiation environment in the northeast border and surrounding areas were at normal levels. No artificial radionuclides were detected in the samples of atmosphere, precipitation, surface water, groundwater and surface sediments collected in Jilin, Liaoning, Heilongjiang and Shandong provinces. The monitoring results show that the North Korean nuclear test has not affected China’s environment and public health.

　　In response to the sixth nuclear test conducted by North Korea on September 3, the Ministry of Environmental Protection (National Nuclear Safety Administration), together with water conservancy, health planning, industrial information, meteorology, earthquake and other departments, as well as the headquarters of the Armed Police, the people’s governments of Kyrgyzstan, Liaoning, Heilongjiang and Shandong, and relevant departments of the military, carried out three-dimensional monitoring for the sixth nuclear test conducted by North Korea according to local meteorological conditions and technical conclusions, including atmospheric and surface water.

　　Subsequently, the Ministry of Environmental Protection (National Nuclear Safety Administration) will continue to carry out radiation emergency monitoring in border areas with relevant units, collect monitoring data in time and publish them on the official website of the Ministry of Environmental Protection on a regular basis.

　　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.

　　(Reporter Huang Hongtao) Under the epidemic situation, the "house economy" is popular, and the prefabricated dishes that can be eaten simply by heating are on fire. While bringing convenience to people, the problems of cutting corners, stale ingredients and bad taste in the processing of prefabricated vegetables can not be ignored. The Consumer Protection Committee of Jiangsu Province recently released the Survey Report on the Consumption of Prefabricated Dishes (hereinafter referred to as the Report), which shows that consumers generally report that the quality of prefabricated dishes is uneven, the taste is not good, the labeling information is incomplete, and there are many problems in logistics distribution and delivery.

　　According to the data of Sky Eye Survey, in recent years, the number of registered enterprises related to prefabricated vegetables has gradually increased. At present, there are more than 68,000 pre-cooked food-related enterprises in China. Among them, nearly 58% of enterprises were established within 5 years. There are also many problems behind the fiery pre-cooked dishes.

　　According to the data of Jiangsu Consumer Network’s public opinion monitoring system, from January 1 to February 10, there were 56,948 public opinions about the pre-made dishes of New Year’s Eve in Jiangsu Province. The problems mainly focused on the quality and price of the dishes, and consumers complained that the dishes were stale, oily, short of weight and expensive. Suspected of false propaganda, the actual goods purchased by some consumers do not match the promotional contents such as business pictures and web pages; The problem of goods transportation, the pre-made dishes ordered by consumers for New Year’s Eve are not delivered, or the goods are received after New Year’s Eve; After-sales problems, merchants cancel orders without consent, and consumers’ requests for refund or compensation for losses are blocked.

　　According to the "Report", consumers are most concerned about food safety, accounting for nearly 30%. At the same time, they are also concerned about whether the price of prefabricated dishes is reasonable, the cost and difficulty of making after purchase, and whether the variety of dishes is complete. The survey results show that many consumers said that they encountered quality problems when buying prefabricated dishes, which were mainly reflected in the deterioration and corruption of dishes, stale ingredients, foreign bodies in prefabricated dishes, and expired phenomena.

　　When asked whether the taste of the dishes reached the expectation, more than 60% of consumers said that the taste of the pre-made dishes was average. Most consumers encounter the problem of unclear labeling information when buying prefabricated dishes, focusing on the unclear information such as the name of the dish, the main ingredients, the weight of the dish, the production date or shelf life, and the price. In terms of the types of prepared dishes, the strongest demand of consumers is to enrich the types of set meals. In addition, the problems encountered by some consumers in the process of picking up goods are mainly slow delivery by merchants or slow logistics distribution.

　　In this regard, Jiangsu Consumer Protection Committee suggested that the prefabricated vegetable industry should ensure food safety and formulate a set of special food safety standards to enhance consumer satisfaction; Standardize product identification in detail to protect consumers’ right to know; Ensure commodity transportation conditions and improve distribution efficiency; Subdivide the variety of dishes to improve the taste and flavor of prefabricated dishes; Multi-party governance, strengthen the supervision and management of prefabricated vegetable market.

　　In addition, Jiangsu Consumer Protection Committee reminds consumers that when enjoying the convenience brought by prefabricated dishes, they should choose the products of regular brands and merchants, pay attention to product labels, make an appointment in time for delivery, and pay attention to inspection when receiving goods.

Original user research group 42 Hao garage

After the release of Ideal L6, we conducted a questionnaire survey for Dading car owners. The following is the core analysis result of this survey.

Research channel: the ideal L6 car owner group of No.42 garage.

Sample size: 100 valid samples

01 portrait of car users

The geographical distribution of the ideal L6 user group is extremely extensive, especially in Shandong, Henan, Jiangxi and Guangdong provinces in China, where the total number of users accounts for more than 50% of the total user base. In terms of educational level, this user group shows a high educational background, among which more than 85% users have bachelor degree or above. In the professional field, users are mainly concentrated in IT, communication, electronics and Internet industries, accounting for more than 40%.

The average age of the respondents is 29 years old, of which 37% are young people aged 26 to 30, while 40% are mature people aged 31 to 40. In terms of family composition, more than half of the respondents (55.6%) are married, and the one-child family accounts for 74.3%. In these families, children’s education stages are relatively evenly distributed, with preschool children accounting for 42.3% and primary school students accounting for 46.1%.

02 car ownership and car purchase

In the analysis of users’ car buying behavior, we found that the vast majority of car buyers are buying cars for the first time. The data shows that 77.8% of users choose the ideal L6 as their first car. In addition, 14.3% of users bought more, while the proportion of users who exchanged for purchases was relatively small, accounting for only 7.9%.

In terms of car purchase version, Pro version is very popular because of its cost performance, with the highest user selection rate, accounting for 73%. In contrast, although the Max version has been upgraded in configuration, including adding high-end functions such as lidar, refrigerator and platinum audio, the price has also increased by 30,000 yuan, so the proportion of users who choose the Max version is relatively low, accounting for only 27%.

03 car purchase decision

The purchase motivation of the ideal L6 large-scale users mainly comes from its versatility, which not only meets the daily commuting needs of young family users, but also takes into account the diversified needs of leisure, weekend holidays and workplaces. The market positioning of the ideal L6 accurately captures the core needs of this group of people-to achieve seamless switching between work and leisure.

Most big car owners have a car purchase budget of 260,000-300,000, accounting for 49.21%, followed by a budget of 210,000-250,000, which accounts for 22.22%, while the ideal price range of L6 is 249,800-279,800 yuan, which just fits this group of people.

Among the ideal L6 car owners, the main comparison is the ideal L7, which accounts for 53.97%, and the alternative rate of the ideal L7 reaches 36.51% without the ideal L6.

And the asking world is also worthy of being an ideal direct competing product. Among the compared models, the asking world M5 and the asking world M7 account for 39.68% and 38.1% respectively, followed by the Tesla Model Y, which accounts for 36.51%. Last year, the global SUV sales ranked first and became the main comparison model for everyone.

In the absence of the ideal L6, the ideal L7 and Tesla Model Y became the first choice for the vast majority of respondents. The M5 and M7 are also among the potential alternatives, and the M5 has a slightly higher alternative rate, which shows that these models are quite attractive to consumers. It is particularly noteworthy that the candidate rate of BYD Tang DM-i is the same as that of Q M7, indicating that it also has a place among potential car buyers. In addition, 3.31% of the respondents said that if L6 is not released, there will be no car purchase plan in the short term.

In the aspect of car purchase decision, the respondents expressed their approval of the ideal L6, with 54% of the users of Dading saying that they "struggled for a while, but decided quickly", followed by 23.8% of users who "struggled for a while, mainly comparing with other competing products", and even 17.5% of users decided directly without hesitation, and few users waited for feedback from the first batch of car owners, which was laid before the ideal L789.

Intelligent cockpit plays a central role in the development of smart cars, which is clearly reflected in the survey. The preference rate of respondents for intelligent cockpit is as high as 58.73%. Intuitive factors such as appearance design, space configuration and interior design, together with intelligent driving technology, have obtained a high selection rate. As a key indicator of electric vehicles, cruising range has reached 34.92%. In addition, the ideal extended journey has also become an important factor to attract consumers.

However, policy and use cost do not seem to be the main considerations of the respondents, which indicates that these factors have a low weight in car purchase decision. Although safety and product quality are important, the selection rate is only 23.81%, which may reflect that consumers are more inclined to pay attention to those configurations and functions that are intuitive and can be experienced immediately when buying a car.

Ideal L6 successfully attracted the attention of potential buyers by exposing the appearance and interior of the vehicle before listing. According to the survey, the respondents showed great interest in the exterior design and interior design of the ideal L6, with 57.1% and 55.6% of the respondents paying special attention to these two aspects respectively. This shows that the ideal L6 has achieved remarkable market recognition in the field of design.

In addition, space and smart cockpit are also the focus of users’ attention, although these aspects are slightly less concerned than exterior design and interior design. These data points reveal that consumers pay attention not only to aesthetics, but also to practicality and technological characteristics in vehicle selection.

Among the respondents, 15.9% users said that there were compromises or dissatisfaction, mainly focusing on the lack of air suspension, higher prices than expected, and back seat massage.

04 brand perception

In the evaluation of the ideal brand, respondents generally believe that "intelligence", "technology" and "comfort" are the most prominent characteristics of the brand. Although some users’ impressions of the ideal brand include negative words such as "marketing" and "a little big", on the whole, the positive evaluation of the ideal brand by Dading car owners is obviously dominant. This shows that the image of the ideal brand in the eyes of users is mainly influenced by its product intelligence, sense of science and technology and comfort.

The car owners of the ideal L6 generally gave positive comments on it, and they generally thought that the car performed well in terms of appearance design, comfort, practicality, intelligent function and cost performance. These positive feedbacks reflect that the overall satisfaction of car owners with the ideal L6 is quite high.

Produced by garage 42 user research group