In the infusion room of Ningxia Hospital of Traditional Chinese Medicine and Institute of Traditional Chinese Medicine, there are many small patients treated by infusion.

From November 24th to 25th, the reporter visited many hospitals in Yinchuan and found that the pediatric consulting rooms and infusion rooms of major hospitals were crowded with children with fever and cough. Among them, many children have "mycoplasma pneumonia" which has been frequently searched recently. Many citizens are worried about this: what disease is mycoplasma pneumonia? How to prevent and treat it? The reporter interviewed pediatric experts from relevant institutions and hospitals.

The incidence of mycoplasma pneumoniae infection by disease control experts this year did not exceed the level in 2019.

Gong Rui, chief of the infectious disease prevention and control department of Ningxia Center for Disease Control and Prevention, said in an interview that mycoplasma pneumoniae infection is a common respiratory pathogen and a microorganism between virus and bacteria. Its incubation period is relatively long, and most of the symptoms are mild, and only a few people will develop into severe diseases. "This disease has a periodic epidemic every three to seven years. Our tests on some sentinel hospitals have found that the incidence rate this year has indeed increased compared with last year, but it has not exceeded the level in 2019."

"In community-acquired pneumonia, this is a common pathogen, not a new and rare disease, nor a terrible pneumonia. Therefore, this is just a common disease, and it is a common disease. You don’t have to panic. " Gong Rui said that at present, mycoplasma pneumoniae infection is on the rise. One of the reasons is that in the process of fighting the COVID-19 epidemic in the past three years, the people have done a relatively good job in respiratory protection measures such as wearing masks, and the overall incidence of respiratory infections has shown a downward trend. After the epidemic control is released this year, it is inevitable that mycoplasma infection will increase in autumn and winter when respiratory diseases are on the rise. Most people infected with mycoplasma pneumoniae are children over 5 years old. This kind of respiratory infection will cause great infection in the population. If there is close contact and no corresponding protective measures are taken, children infected with mycoplasma pneumoniae will also transmit this mycoplasma to adults.

Pediatric experts have a good effect in treating mycoplasma pneumonia with integrated traditional Chinese and western medicine.

"Since July this year, the number of children infected with mycoplasma pneumoniae has gradually increased, especially in the past month, the number of children with mycoplasma pneumonia has increased significantly. There are 150 beds in the fourth-floor ward of general pediatrics in our hospital, and all of them are full at present, most of them are children with respiratory tract infection, and more than half of the children with mycoplasma pneumoniae infection. " Li Lei, deputy director of the General Pediatrics Department of Yinchuan Maternal and Child Health Hospital, said that the symptoms of mycoplasma pneumoniae infection are similar to those of most pneumonia, with fever and cough as the main clinical symptoms, accompanied by headache, runny nose, sore throat and earache. At present, the training and treatment of mycoplasma pneumonia are standardized, and there are scientific guidelines for diagnosis and treatment, which can be accepted by many secondary hospitals and community hospitals.

"Some children have severe immune reactions and mixed infections, which will cause refractory diseases. But don’t worry, there are still many ways to treat the symptoms. If it is refractory mycoplasma pneumonia, such as azithromycin resistance, we can change the dressing and replace it with other types of antibacterial drugs. If it is a compound infection, other antibacterial drugs can be added. If it is caused by abnormal immune response, it can be treated with glucocorticoid, and if necessary, it can be treated with immunoglobulin. " Li Lei said that infection with mycoplasma pneumoniae does not necessarily cause pneumonia, and only when mycoplasma pneumoniae invades the lower respiratory tract can mycoplasma pneumonia occur.

The reporter saw in the pediatric clinic of Ningxia Hospital of Traditional Chinese Medicine and Institute of Traditional Chinese Medicine that there were also many children who came to see a doctor. Wang Huimin, the chief pediatrician of the hospital, said that there is no need to panic about mycoplasma pneumonia in children, and Chinese medicine has some special treatments. "For mycoplasma pneumoniae infection, as well as high fever, cough, pneumonia, etc., Chinese medicine combined with children’s physique, using decoction or external treatment, can achieve good results." Wang Huimin said that the 2023 edition of "Guidelines for Diagnosis and Treatment of Mycoplasma Pneumonia in Children" mentioned that according to the principle of syndrome differentiation and treatment, mycoplasma pneumonia can be treated with traditional Chinese medicine such as clearing heat and dispersing lung. In addition to oral administration of traditional Chinese medicine, there are many distinctive external treatments for mycoplasma pneumonia and other respiratory infectious diseases. For example, massage for children, acupoint application, cupping by suction, fumigation and washing with traditional Chinese medicine, pricking collaterals and bloodletting. "If the child has mycoplasma pneumonia, azithromycin should be used. Chinese medicine believes that antibiotics belong to cold substances, and cold is easy to hurt the spleen and stomach. You can take some dietotherapy to care for your child’s spleen and stomach and improve your resistance. " Wang Huimin said.

The hospital takes many measures to alleviate the problem of difficulty in seeing a doctor and hospitalization

At present, mycoplasma pneumoniae infection is not only threatening, but also the season of high incidence of influenza, respiratory syncytial virus and other respiratory diseases. Pediatric clinics in major hospitals are overcrowded. Many parents are worried that if they go to the hospital now, they will not be able to see the disease and live in the hospital. In this regard, the reporter learned that at present, all major hospitals in Yinchuan have taken active measures to deal with the peak of pediatric visits.

Zhao Guiqin, chief physician of pediatrics and deputy director of general pediatrics of the First People’s Hospital of Yinchuan City, told the reporter that autumn and winter are the seasons of high incidence of respiratory infections every year, and the hospital has prepared four countermeasures in advance. First of all, in the outpatient clinic, the appointment registration method is adopted, and the plus sign is added at any time according to the number of patients. Secondly, increase the number of pediatric clinics and sitting doctors, increase the previous general pediatric clinic to two general pediatric clinics in the morning and two general pediatric clinics in the afternoon, and have a pediatric specialist clinic every day. The pediatric emergency department of the hospital is also open 24 hours a day. Third, in order to improve the patient’s medical environment and make the people feel less crowded, the hospital expanded the waiting area on the second floor of pediatrics; In order to solve the problem of pediatric infusion, the hospital transferred the work of adult infusion to the community, and all the infusion rooms on the second floor of the emergency building gave way to pediatric patients; In order to solve the shortage of pediatric hospitalization, on the basis of the original 41 beds, 24 beds were added on the seventh floor, and they were adjusted at any time according to the situation of children. Fourth, in recent years, hospitals have opened holiday clinics and evening clinics to meet the medical needs of the masses on weekends and after school.

On the morning of November 25th, Wang Aiping, deputy director of general pediatrics department of Yinchuan Maternal and Child Health Hospital, was busy in the clinic. She told reporters that in order to cope with the peak of mycoplasma pneumoniae infection, the hospital has increased the number of outpatient clinics and the number of doctors since September. All the doctors in the children’s health department of the hospital are involved in the work of pediatric outpatient clinics. At present, the number of pediatric outpatient clinics has increased from 9 to 15. In mid-October this year, the hospital started the evening clinic again, and it was normal from 18: 00 to 22: 00. With the increase of hospitalized children, on the basis of 140 conventional beds in pediatrics, 14 beds on the first floor have been added, and at the same time, beds in pediatric wards have been appropriately increased according to the situation to meet the needs of hospitalized children as much as possible. "We have also increased the number of observation beds in the emergency department. If the patient is seriously ill and cannot be admitted to the hospital for a while, he will be temporarily placed under observation in the emergency observation room. The next day, the doctor in the pediatric inpatient department will go to the emergency observation room to evaluate, and those who need to be admitted to the hospital will be given priority to ensure that the children who need hospitalization will be admitted to the hospital as soon as possible. In short, we are ready for a long-term battle and go all out to cope with the peak of medical treatment. Parents don’t have to be too anxious. " Wang Aiping said.

In addition, the reporter learned that in order to facilitate the residents to seek medical treatment nearby, the Health and Wellness Committee of the Autonomous Region has collected and sorted out the medical institutions that can provide pediatric diagnosis and treatment services in the whole region, and published a list of 81 medical institutions on the official website and WeChat WeChat official account, including the addresses of branches of 3A hospitals and hospitals in cities and counties, whether there are outpatient and emergency services, whether they can be hospitalized by infusion, etc., so as to facilitate the people to choose a suitable hospital nearby for timely treatment. (Reporter Shang Lingbin/Wen Wei Guochang/Figure)

Dr. Liu Liming rounds the room.

Liu Liming doctors communicate with patients. Photo courtesy of the Third People’s Hospital of the province.

□ Chutian Metropolis Daily’s most eye-catching journalist Chen Lingyan correspondent Belan Zeng Zuokuan

Liu Liming is the director of the Department of Hepatology of Integrated Traditional Chinese and Western Medicine in the Third People’s Hospital of Hubei Province. He has been fighting hard in the field of integrated traditional Chinese and western medicine to tackle liver diseases. He is kind to patients and often helps them out of his own pocket. Since joining the work, he has been using weekends and holidays to go to districts, counties and mountain villages to train grassroots medical staff, teach them to choose cheap but effective drugs, and help local patients control their illness.

What is the relationship between doctors and patients? Liu Liming’s answer is: the relationship of "treating each other with sincerity".

Doctors treat diseases.

Try your best to carry the patient across the river.

In 2006, Liu Liming entered the hepatology department of the Third People’s Hospital of Hubei Province. Since then, he has been dealing with various liver diseases. "Doctors treating diseases are like carrying patients across the river one by one." The metaphor of Wu Mengchao, an academician of China Academy of Sciences and the father of hepatobiliary surgery in China, is deeply engraved in Liu Liming’s mind. Doctors should try their best to pick up the patient and then deliver the patient to the other side of health.

Patients put their rehabilitation hopes in the hands of doctors, and doctors need to constantly improve their skills to help them realize their rehabilitation wishes. Liu Liming delves into the business, constantly summarizes it at the same time, and makes adjustments and innovations according to the needs of patients. Based on the characteristics of liver diseases in China and the changes of liver disease spectrum in recent years, he set up a sub-specialist diagnosis and treatment team for liver diseases in the department, including liver cancer diagnosis and treatment team, fatty liver diagnosis and treatment team and autoimmune liver disease diagnosis and treatment team to provide accurate personalized diagnosis and treatment for patients with liver cancer at all stages. For example, the fatty liver diagnosis and treatment team gives full play to the characteristics and advantages of traditional Chinese medicine, and combines traditional Chinese medicine treatments such as medicated diet, acupuncture, catgut embedding and packaging; The diagnosis and treatment team of autoimmune liver disease innovatively launched the disease management model of "self-immune liver diagnosis-treatment-long-term follow-up" to be a long-term "healthy housekeeper" of patients. Liu Liming led a team to carry out a number of scientific research achievements, such as "anti-fibrosis and liver softening prescription", "anti-liver failure compound prescription" and "strengthening the body to detoxify and dispersing stagnation prescription", some of which reached the international advanced level, and the department also successfully established a key specialty of traditional Chinese medicine in Hubei Province.

Not only save lives

He also wants to save money for patients.

In addition to saving lives, Liu Liming also has a small habit-helping patients to make careful calculations and calculate "economic accounts". In his view, patients are suffering from diseases, and doctors should not only cure them, but also help them save money as much as possible, which is what doctors should do. Driven by Liu Liming, every doctor in the department has set himself an extra requirement: screening examination items and medication according to the patient’s condition and economic affordability. Can do or not do the inspection, don’t do it; Drugs that can be used or not, no need; If you can solve the problem with cheap medicine, you don’t need expensive medicine.

Liu Liming not only saves money for patients, but also often subsidizes patients in need. Last August, an 80-year-old man in Xinzhou District came to see a doctor with an old hen. "Doctor, my son is not at home, can I use my old hen to pay for medical expenses?" The old man asked. Without saying anything, Liu Liming immediately paid for 600 yuan’s medicine for the old man, and repeatedly urged the old man to take the chicken back. Who knows that when the old man left, he quietly left the old hen behind the door of the clinic. When the old man came to see a doctor again, Liu Liming took out 200 yuan and "bought" the old hen.

Among Liu Liming’s WeChat friends, more than 700 are patients he treated. Everyone will leave messages for him every day when he meets any health problems, and he will reply one by one, which has become everyone’s "family doctor". This "family doctor" has been friends with many patients for many years. He not only treats them, but also treats their hearts.

The 80-year-old Xiao’s mother-in-law has suffered from hepatitis B and liver cirrhosis for many years. Liu Liming designed the treatment of integrated traditional Chinese and western medicine for her, and the old man’s condition was well controlled. However, three years ago, Xiao’s wife died unfortunately, which made her fall into depression. Liu Liming found that the old man’s mood was wrong. After learning about this situation, he would accompany his mother-in-law Xiao to say a few words every time he made a diagnosis or made a follow-up, trying to comfort her mood, thus "helping" the old man out of his grief step by step.

In 2021, a 3 cm tumor appeared on Xiao’s mother-in-law’s liver. Liu Liming completed interventional therapy for her, supplemented by traditional Chinese medicine, and helped the elderly get out of danger again. Every three to five, he also asked questions through WeChat. Grandma Xiao said to everyone, "Director Liu is better to me than my children!"

Go from the countryside to the town

Let more people "know more"

As a doctor, Liu Liming has a good reputation among patients, and more and more people are looking for him to see a doctor. But he understands that it is not enough to rely on the strength of one person or one department in the face of the huge needs of patients.

"My aunt was less than 50 years old and died unfortunately because of liver cancer caused by hepatitis B. Her child was infected with hepatitis B virus through mother-to-child transmission." Liu Liming said that this incident had a great influence on him, which was also the reason why he decided to study medicine. "Later, I used what I learned to successfully let my cousin block mother-to-child transmission."

Liu Liming realized that ordinary people don’t know much about medicine. When faced with diseases, they are often at a loss. "In fact, many diseases are preventable and controllable, especially liver diseases. Sometimes, as long as you know more, the results will be completely different."

Since joining the work, Liu Liming has always insisted on one thing: being a "healthy volunteer". On weekends and holidays, he went to various districts, counties and mountain villages to carry out free clinic propaganda and health science popularization, train primary medical staff, and help the construction of hepatology department in primary medical institutions. Village doctors have relatively little experience, so Liu Liming popularized and updated new knowledge of diagnosis and medication for them. "As long as I have been to places, village doctors have mastered better medication methods. They will prescribe cheap but effective anti-hepatitis drugs for patients in need. "

In 2020, the Third People’s Hospital of Hubei Province set up a youth master group, with Liu Liming as the head, and organized the doctors of the youth master group to go to the community and go to the grassroots level. In the past two years, the Youth Expo Group has given free clinics and health talks to more than 2,000 people, and has also conducted more than 40 academic salon lectures for young doctors and training for primary doctors, and trained more than 1,000 primary medical and health personnel.

　　BEIJING, May 16 (Xinhua) Title: Guqin producer in Guangxi farmhouse: Going to Taiwan Province to bring his craft back to his hometown.

　　Author Liu Juncong Huang Lijie

　　In a field manor in Liujiang District, Liuzhou City, Guangxi Province, firewood for cooking by the fireside is sizzling. At this time, Wei Xing held a brush and skillfully painted the guqin blank with "big paint" over and over again. This is a natural paint made from plants, and only the traditional guqin production will go through this important process step.

　　Born in 1985, Wei Xing is a guqin producer who has been studying guqin production for more than three years. She studied guzheng in the Conservatory of Music at the university, and never imagined that she would get involved with the guqin one day and become the inheritor of the production skills of this ancient musical instrument.

　　In the 2008 Olympic Games, an ethereal guqin piece "The Legacy of Taikoo" echoed over the "Bird’s Nest" Stadium, attracting the attention of the whole world, including Wei Xing, who just graduated from college. "At that time, I was fascinated by its unique timbre. Before the song of the Olympic Games was played, almost no one knew guqin, and many people would mistake guqin for guzheng, so it was very difficult to learn it. " Wei Xing said.

　　As a last resort, Wei Xing at that time could only teach himself to play guqin with the help of relevant textbooks. With the rapid development of playing skills, Wei Xing became more and more fond of this ancient instrument. In 2015, while visiting relatives in Taiwan Province, Wei Xing met Lin Lizheng, a well-known local guqin producer. This coincidence made guqin completely change Wei Xing’s life.

　　"At that time, I wanted to worship Master Lin as a teacher and learn the production process of Guqin. But master Lin watched a girl film of mine, but he didn’t agree anyway. In the end, it was a long time before the master reluctantly accepted me as an apprentice. After I really got started, I discovered that guqin production is not an easy task. " Wei Xing said.

　　Wei Xing said that the production of guqin should strictly follow the tradition and the process is complicated. Just the process of painting surface polishing needs to be polished step by step and repeatedly by hand. "The key point of this process is not to use force, but to polish it gently. Brothers and sisters joked that they should’ not eat for three days’ before starting polishing, so the intensity is just right. " Weixing laughed.

　　The tedious and boring production process, coupled with the master’s high-standard production requirements, made this girl who had left her hometown once think of giving up. However, an extremely harsh rebuke from the master made Wei Xing’s psychological defense completely collapse.

　　"At that time, I immediately wanted to pack my bags and go home. But then I calmed down and thought about it carefully. If I don’t learn this skill, then this instrument is very likely to be lost in the future. " With the comfort of brothers and sisters, Wei Xing picked up the carving knife again. "Learning to make guqin is also tempering and practicing, which has taught me meditation." She said.

　　Three years later, Wei Xing bid farewell to his master and classmates, and returned to his hometown successfully. Wei Xing, who had a "garden dream" since childhood, rented a farmhouse quadrangle in the suburbs of Liuzhou and engaged in guqin production in a beautiful and secluded environment every day. She said that it takes one to two years to make each guqin. At present, she has completed a number of customized guqin works, and the price ranges from 10,000 yuan.

　　It is understood that the history of guqin can be traced back to the pre-Qin period, and it has a history of at least 3,000 years. Its timbre is low and its aftertaste is long. As a musical instrument with high cultural status in ancient China, Guqin has been a bridge for many scholars to exchange ideas since ancient times, and it is known as "scholars never withdraw their harps and instruments without reason".

　　After years of silence, Guqin has once again attracted the attention and love of China people, and has gradually become one of the teaching subjects in major music colleges in recent two years. "The domestic environment is slowly getting better, and more and more people are beginning to learn about this ancient musical instrument from me. I am glad to see that it has not been forgotten." Wei Xing said.

　　At present, Wei Xing has also opened guqin playing classes for adults and teenagers, so that more people can feel the charm of the voice of the ages. "Everyone likes it very much, and I will try my best to teach them playing skills. I don’t want this instrument to be lost in our generation." Wei Xing said. (End)

On June 3rd, CCTV Comprehensive Channel of the Central Radio and Television General Station launched a large-scale cultural series "Ancient Rhyme and New Sounds" Dragon Boat Festival program, which commemorated the poet Qu Yuan with a strong humanistic color and praised his ardent feelings for home and country and noble character. Based on Chinese’s careful observation of nature, we should observe the midsummer Dragon Boat Festival to get rid of summer heat and epidemic prevention, pray for well-being, get close to green mountains and green waters and enjoy the summer scenery. We also "live" with cultural relics, and creatively interpret precious cultural relics stories such as Qu Zixing’s Yin Tu by Chen Hongshou in the Ming Dynasty, Golden Dragon Walking in the Tang Dynasty, Jinming Pool’s Bid Map by Zhang Zeduan in the Northern Song Dynasty, and Children’s Fight Sketch by Jin Tingbiao in the Qing Dynasty, so as to trace back to the roots of the nation and build up cultural self-confidence.

First, art outlines Qu Yuan’s pure heart and promotes patriotism.In the Tang poetry, it is said that "the festival is divided into the Dragon Boat Festival, and it is rumored to be Qu Yuan through the ages." Chinese remembered Qu Yuan from generation to generation and linked the Dragon Boat Festival with him, which shows people’s deep affection for him. The opening of the Dragon Boat Festival program "Canglang Journey" is based on Qu Yuan’s work "Chuci Fisherman" during his exile in northern Han Dynasty, praising Qu Yuan’s noble ambition and unswerving feelings of home and country. Through the clever use of visual technology, the scene of Qu Yuan’s singing on the banks of the river is artistically presented, creating a rich scene of surging water and rising sun on the banks of the river in Chu, showing Qu Yuan’s childlike heart as surging as surging waves and his noble character as clear and bright as the sky. The program is ingenious, introducing cultural relics as a carrier, and excavating the deep meaning of Qu Yuan, the embodiment of patriotism depicted in cultural relics through interviews between hosts and experts. The cultural relics involved include Qu Zi Xing Yin Tu by Chen Hongshou in Ming Dynasty and Qu Yuan Tu by modern Fu Baoshi. Guided by precious cultural relics, combined with careful creation and interviews with rich knowledge points, it highlights the thick core of traditional culture that really touches the hearts of the audience. In addition, the program "Going Home" deduces the dialogue across time and space, skillfully connecting the classic poems of Qu Yuan and Yu Guangzhong as the core, symbolizing the spread of the context and the inheritance of the feelings of home and country. In the program "Searching Up and Down", the singer and hundreds of students sang together "The road is long and Xiu Yuan is Xi, I will search up and down", with a magnificent momentum and lingering sound. These programs are full of eagerness to lead the audience to explore the deepest part of the human spirit.Mark a spiritual height for our nation, so as to be more clear about our attitude and value in life, carry forward the feelings of home and country, and gather the great power of national rejuvenation.

Second, the panorama presents the connotation of the Dragon Boat Festival and builds cultural self-confidence.The program has deeply explored many customs of the Dragon Boat Festival, which are diverse and colorful. For example, "Dragon Boat Festival in midsummer, flying dragons in the sky" has placed people’s good wishes to welcome good fortune. The program was superimposed from "Kowloon Map" to the scene. Nine dancers showed nine images of dragons with different personalities and states one by one. Finally, all the dancers gathered into a dragon, showing the majestic momentum of "the dragon is in the sky" and expressing the Chinese nation’s worship of the dragon totem and the spiritual temperament of "self-improvement". The Song of the Race is based on Liu Yuxi’s poems, and the picture of a hundred races in Zhang Zeduan’s "The Race for the Bid in Jinming Pool" is deduced. The Dragon Boat Festival presents fans with beautiful meanings, such as encouraging benevolence. Fan Dancing Benevolence is interpreted by telling the story of "Xie An presents fans" by famous people in Wei and Jin Dynasties. Casting swords at the Dragon Boat Festival is a folk custom, and the double sword dance "Soul of Sword" uses Gu Jian, a state of Jin in the Spring and Autumn Period — — Shao Yunjian and Cao Zhi’s Miscellaneous Poems, Guo Zhen’s Gu Jian/Sword Pieces, etc., interpret the artistic conception of "the sword front comes from sharpening, and the plum blossom fragrance comes from bitter cold". Wearing five-color silk thread to ward off evil spirits during the Dragon Boat Festival has a beautiful meaning of praying for Naji, and the dance acrobatic "Five-color wisp" has activated this custom. The Dragon Boat Festival, also known as the "Orchid Bathing Festival", specially designed the song "Lan Cao" to show the love of ancient and modern literati for orchids and the noble character represented by orchids. Fisherman’s prideLiu Hua in May is enchanting and baking, which is created according to Ouyang Xiu’s masterpiece in the Song Dynasty, and designed visually according to the ancient painting Duanyang Story Map by Xu Yang, a painter in the Qing Dynasty, showing the colorful scenes of the ancients watching the race, hanging Ai people and wrapping corn during the Dragon Boat Festival. During the discussion, the guests of the program also listed the stories of ancient epidemic prevention and disease drive, such as hanging wormwood, killing five poisons and drinking realgar wine, and discussed the national psychology of the ancients praying for well-being during the Dragon Boat Festival. All these can be called a unique journey to trace the roots of the nation. Relying on ancient books, ancient paintings, poems, intangible cultural heritage and other elements, the program deeply digs into the folk customs, history and culture during the Dragon Boat Festival, presenting the double meanings of both humanity and nature in a panoramic way, which once brought cultural infiltration with ideological and artistic features.

Third, the shocking presentation of aesthetic audio-visual products, creative new wind blowing.The program resonates with the traditional culture and the current public demand at the same frequency, creating a "new national tide" boutique content. Taking the traditional festivals in China as the breakthrough point, the program creation team combines the stage with the live shooting from the perspective of "youth", and tells the cultural origin behind the traditional festivals in China in a way that young people like. As a result, the audience saw more real-life historical sites in Searching Up and Down, and the singer walked through the green mountains and green hills in Zigui to explore Qu Yuan’s footprints. "Flying Dragon in the Sky", "Picking Lotus Songs", "Soul of the Sword" and "Fisherman’s Pride May Liuhua" are all empowered by technology, which makes the audio-visual effect by going up one flight of stairs. Together with the dedication of artists, the programs are more exciting and bring audience an audio-visual shocking artistic feeling. The originality of the program lies in the progressive cut-in by multiple decoding and opening methods, which makes the Dragon Boat Festival cultural program like a spiritual baptism and the inheritance ceremony of excellent traditional culture. What we see is the genetic code and cultural picture hidden in the depths of China culture, which is the most vivid display of a nation’s cultural tradition, ethics, value belief and aesthetic taste. "Let the cultural relics collected in the museum, the heritage displayed on the vast land, and the words written in ancient books come alive".

Chinese civilization has a long history and is profound. It is the unique spiritual symbol of the Chinese nation, the foundation of contemporary China culture, the spiritual bond that maintains Chinese people all over the world, and the treasure of cultural innovation in China. The Dragon Boat Festival program of the large-scale cultural series "Ancient Rhyme and New Sounds" makes the most basic cultural genes of the Chinese nation adapt to the contemporary culture and coordinate with the modern society through the excavation and interpretation of Chinese excellent traditional culture, and makes Chinese excellent traditional culture integrate into the new era and enter a new life, condensing a strong centripetal force and effectively enhancing the self-confidence of the national culture. (Tang Jinggang)

Open environment, breaking waves, legal policy escort
Cross-border e-commerce welcomes development opportunities again

A container truck loaded with goods is waiting for customs clearance at the Bonded Logistics Center (Type B) in the West Coast New District of Qingdao, Shandong Province. Photo of the Moon (People’s Picture)

Near the Spring Festival, e-commerce "New Year Festival" is full of tricks, and cross-border e-commerce is becoming more and more busy. In recent years, China has become the largest and fastest-growing cross-border e-commerce market in the world. Consumers can easily "buy globally" and enjoy high-quality products from all over the world without leaving home. With China’s opening wider and wider, relevant departments have successively issued substantial favorable policies, and with the escort of the Electronic Commerce Law, cross-border e-commerce is expected to enter a new period of healthy and rapid development.

The market potential is growing.

The strength of cross-border e-commerce has further enhanced the internationalization of double 11. According to the data of the Ministry of Commerce, from November 1 to 11, 2018, the sales of cross-border e-commerce imported goods exceeded 30 billion yuan, and a well-known domestic e-commerce platform introduced nearly 19,000 overseas brand goods from 75 countries and regions to participate in the promotion.

The huge capacity of the domestic demand market and the development of the Internet have enabled domestic consumers to gradually develop the habit of "Haitao" through cross-border e-commerce. Many heads of multinational companies said that with the improvement of China residents’ income level and the change of consumption concept, the potential of China market will only grow.

According to the statistics of E-commerce Research Center, in the first half of 2018, the scale of cross-border e-commerce import transactions in China reached 1.03 trillion yuan, a year-on-year increase of 19.4%. By the end of June 2018, there were 75 million users who regularly conducted cross-border online shopping in China.

The development of cross-border e-commerce has also brought new business models and new operating systems for the operation, management and service of the entire logistics system. In this regard, international logistics companies feel particularly deeply. Chen Wenhong, managing director of FedEx China Marketing Department, said earlier that in recent years, the growth rate of China’s imports is much higher than that of its exports in both B2B (business-to-business) and B2C (business-to-customer) fields, making it the fastest growing market for cross-border e-commerce in the world.

A series of timely and effective reform measures have also promoted the growth of cross-border e-commerce. For example, the the State Council executive meeting held in November 2018 decided to continue and improve cross-border electronic commerce’s retail import policy and expand its scope of application, so as to stimulate consumption potential.

E-commerce platform seizes opportunities

With the increasingly important role of cross-border e-commerce in China’s foreign trade, major e-commerce companies also seize the opportunity to compete for layout. During the China International Import Expo held last year, Ali, Suning, JD.COM and other e-commerce platforms announced their import plans one after another, and took the opportunity to purchase goods and explore sources of goods. Among them, Suning has released a three-year global procurement plan of 10 billion euros, and will conduct large-scale procurement on a global scale. More than half of the procurement amount will be used for high-quality lifestyle products such as home appliances, mothers and babies, and supermarket beauty department stores.

At the same time, the vigorous development of cross-border e-commerce in China has also provided overseas businesses with new channels to enter the China market. Many internationally renowned brands regard cross-border e-commerce enterprises in China as their preferred trading partners in China. Experts said that China consumers’ import consumption has gradually become normal, and the imported consumer groups are younger, which provide a solid foundation and new opportunities for the faster development of cross-border e-commerce in China.

It is not only e-commerce companies that seize opportunities, but also local governments. In July 2018, the State Council agreed to establish cross-border electronic commerce Comprehensive Experimental Zone in 22 cities including Beijing, Hohhot and Shenyang, and actively deepen the "streamline administration, delegate power, strengthen regulation and improve services" reform in foreign trade. As of 2018, the number of cross-border e-commerce comprehensive experimental zones in China has reached 35. Relevant reform measures have been introduced in many pilot areas to realize the liberalization, facilitation and standardized development of cross-border electronic commerce.

Industry insiders predict that the central and western regions will become the development focus of cross-border e-commerce in the future, and the "Belt and Road" countries will be the focus of cross-border e-commerce development and open a new channel for supply-side reform.

Favorable policies encourage development

With the implementation of favorable policies related to cross-border e-commerce, the development of cross-border e-commerce in China is expected to enter a "golden age". The E-commerce Law, which has been implemented since New Year’s Day this year, clearly states that the state promotes the development of cross-border electronic commerce, establishes and improves the management systems of customs, taxation, entry-exit inspection and quarantine, payment and settlement, etc., which are adapted to the characteristics of cross-border electronic commerce, improves the facilitation level of all links in cross-border electronic commerce, and supports cross-border electronic commerce platform operators to provide cross-border electronic commerce with warehousing, logistics, customs declaration, inspection and other services.

At the executive meeting of the State Council held at the end of 2018, it was pointed out that on the basis of zero tariff within the limit for the goods in the cross-border e-commerce retail import list, and the import value-added tax and consumption tax are levied at 70% of the statutory taxable amount, the scope of goods enjoying preferential policies will be further expanded, and 63 tax items with large demand from the public will be added. In addition, the Ministry of Finance, the General Administration of Customs and the State Administration of Taxation jointly issued a notice saying that the tax policy for cross-border e-commerce retail imports will be adjusted, the upper limit of commodity quotas enjoying preferential tax policies will be raised, and the scope of the list will be expanded. The notice will be implemented as of January 1, 2019.

Experts pointed out that these measures will accelerate the development of new formats and new models such as cross-border e-commerce, help improve the level of openness, promote the steady growth of foreign trade import and export and new kinetic energy growth, and increase consumption and employment.

While encouraging and guiding development, we should also strengthen the supervision of cross-border e-commerce. According to the statistics of the State Administration of Market Supervision, in recent years, complaints and reports involving cross-border e-commerce have been on the rise, with milk powder, food, diapers, health care products and cosmetics having the highest number of complaints. How to make consumers feel at ease is a question that cross-border e-commerce must answer.

In this regard, the e-commerce law makes it clear that e-commerce operators engaged in cross-border electronic commerce should abide by the laws and administrative regulations on import and export supervision and management. The the State Council executive meeting also made it clear that the responsibilities of cross-border e-commerce enterprises, platforms, payment and logistics service providers will be strengthened in accordance with the principle of inclusive and prudent supervision, and the quality and safety monitoring and risk prevention and control of commodities will be strengthened. (Reporter Liu Wei)

Cctv newsAccording to the Central Meteorological Observatory, it is estimated that from October 2 to 6, strong cold air will affect most parts of central and eastern China, bringing strong winds and strong cooling weather. The Central Meteorological Observatory issued a cold wave blue warning on the morning of the 2 nd, which is also the first cold wave warning in the second half of this year.

Because the early temperature in most parts of the central and eastern regions is obviously higher than normal, and there has been a large range of high temperature weather in the south since September 30 and will continue until the 4 th, the highest temperature in many stations has exceeded the historical extreme value in the same period; Affected by this strong cold air, several provinces will experience severe cooling. The specific weather forecast is as follows:

Cooling and minimum temperature forecastIt is estimated that the temperature will generally drop by 8 ~ 12℃ in most parts of central and eastern China from 14: 00 on October 2 to 20: 00 on October 6, and the temperature will drop by 12 ~ 16℃ in central and eastern Inner Mongolia, northeast China, most of Shaanxi, southwestern Shanxi, Henan, southern Shandong, Jiangsu, Anhui, Hubei, northern Hunan, northwestern Jiangxi and northern Zhejiang, and in central Inner Mongolia, eastern Heilongjiang, eastern Jilin and other places.

On the morning of the 6th to 7th, the lowest temperature 0℃ line will be located in the north of Shanxi, the north of Hebei and the north of Liaoning, and the lowest temperature 10℃ line will be located in the northeast of Sichuan, the north of Hubei, the south of Henan and the south of Shandong. During this period, the daily maximum temperature in capital cities such as Nanjing, Hefei and Wuhan will drop from 37-39℃ on the 2nd to 13-15℃, and the minimum temperature will drop from 26-28℃ to 11-13℃.

Gale forecastThere will be 4 ~ 6 winds in the Yangtze River basin and its northern area, and gusts in high altitude areas and rivers and lakes can reach 7 ~ 8; The Bohai Sea, the Bohai Strait, the Yellow Sea, the East China Sea and other sea areas will have strong winds of 7-8 and gusts of 9-10.

Strong cold air affects the processStrong cold air mainly affected Gansu, Ningxia, Inner Mongolia and other places on the 2nd, north of Huaihe River on the 3rd, Jiangnan and other places on the 4th, and South China on the 5th.

Meteorologists reminded that the strong cold air process has a wide range of influences and severe cooling, especially in some parts of the south, where the temperature first increased and then plummeted. The public should pay attention to the temperature changes and add clothes in time to guard against physical discomfort caused by alternating cold and hot. In addition, it is necessary to do a good job in wind prevention and reinforcement of simple facilities and high-altitude structures.

1905 movie network news The movie The Captain, which is being shown in the country, maintained a good momentum on the last day of the National Day holiday, achieving three consecutive box office titles in a single day. As of the time of publication, the total box office of the movie has jumped to the sixth place in the box office list of Chinese movies in 2019.

Recently, a prototype documentary of The Captain has also triggered a watching craze on the Internet, which has aroused heated discussion. The dialogue in the real recording "Sichuan 8633, Chengdu calls you" has also topped the hot search list in Weibo.

The Captain’s national roadshow also came to Harbin, the last stop, to hold a movie-watching activity, which ended successfully. Director Liu Weiqiang attended the post-screening exchange with starring Oho Ou, Yamei, Yang Qiru and Gao Ge, and interacted closely with the audience.

There were also many flight attendants from China Southern Airlines Heilongjiang Branch who came to watch the movie. A flight attendant representative said: "Thank you The Captain for expressing the hard work behind our civil aviation people’s daily work so carefully and fully." Some viewers were excited and said: "I found my seat belt four times during the movie, and a movie ticket saw the feeling of air tickets."

The Captain National Day box office nearly 2 billion prototype documentaries shocked the whole network.

Recently, a The Captain prototype documentary triggered praise from the whole network, and the related topic # Captain China prototype documentary # # Sichuan 8633 Chengdu called you # also appeared on the hot search list. Netizens all said: "Watching the documentary after watching the movie is even more thrilling, and the captain is really amazing!" "You didn’t send everyone to Lhasa on time, but you brought everyone back to earth safely. Thank you, Captain China! "

The video also exposed the real recording of the dialogue in the film "Sichuan 8633, Chengdu calls you", which made people feel nervous and worried under calm! Reality is also an important reason why the film The Captain can counterattack all the way in the National Day file and win nearly 2 billion box office. From the perspective of truly restoring the "miracle of civil aviation history", the film shows the style and spirit of all civil aviation people in China and has won unanimous praise from professionals and audiences.

Harbin Roadshow China Southern Airlines flight attendants were present to support the audience: they never got off the plane.

Recently, director Liu Weiqiang and starring Oho Ou, Yamei, Yang Qiru and Gao Ge came to Harbin, the last stop of the national road show, for a road show. On the day of the road show, many flight attendants from China Southern Airlines Heilongjiang Branch came to support us. A flight attendant representative said, "Thank you The Captain for expressing the hard work behind our daily work so meticulously and fully." Some viewers said that they were immersed in the play from beginning to end. "After watching the movie, I still feel that I have not come down on the plane. I will call my family to report my peace later."

The film The Captain is the third work of Bona Film’s "pride of chinese Trilogy". The film is based on the successful handling of special events by the crew of Sichuan Airlines Flight 3U8633 on May 14, 2018. It is directed by Liu Weiqiang, supervised by Peggy Lee Kam-Man, Zhang Hanyu (as Liu Changjian), Oho Ou (as Xu Yichen), Du Jiang (as Liang Dong), Yolanda (as Bi Nan) and Zhang Tianai (as Huang Jia). Yamei (played by Zhang Qiuyue), Yang Qiru (played by Yang Hui) and Gao Ge (played by Yan Wu), as well as Huang Zhizhong, Zhu Yawen, Li Xian, Angelababy, Chen Shu, Junyan Jiao, Wu Yue, Kan Qingzi, Yu Ailei, Xiao Ai, Li Mincheng and Feng Wenjuan.

The good shop, one of the three giants of snack food, raised a machete to reduce the price. In an instant, the average price of more than 300 products was reduced by 22%, with the highest drop reaching 45%.At one time, the "Big Three Snacks" set up a wide moat of food safety due to their listing, and started a journey of leisure snacks with high prices and high quality. Now, consumers’ wallets are gradually shrinking, and hundreds of mass-selling snack shops on street corners have eroded their share, and the market has returned to low-price competition.A plot to control the price of capital on the consumer market has become invisible, and the giants have to bow their heads.

Stills of "When I Run to You"

The scenery and loneliness of snack food giants can be traced.The products with the highest price reduction rate in this good shop are nuts, including macadamia nuts, pine nuts, pistachios and cashews. In fact, the scenery of snack food giants is hidden in nuts.

Nuts are rich in protein and nutrition, and are the essence of life condensed by plants for breeding the next generation. Nuts are also rich in unsaturated fatty acids, which have certain effects on preventing atherosclerosis, hypertension, coronary heart disease and other diseases. All this means that consumers in China will consume more nuts. According to the data of INC in 2019, the per capita annual consumption of five kinds of nuts in China is only 0.23kg, and the average levels in the United States, Japan and the world are 8 times, 2 times and 2 times that of China respectively.In the process of improving consumers’ living conditions and upgrading consumption, the amount of nut consumption is certain.

But nuts taste fresh, but they are very easy to oxidize and deteriorate. The result of deterioration is aflatoxin, which is a carcinogen.Of course, generally speaking, there will be no such serious consequences. It is enough to pay attention to the production date and brand name.

In addition to eating by yourself, nuts are also used as gifts because of the high unit price. In this scenario, brands are more useful.At that time, survey data showed that more than half of consumers said they would pay attention to brands when buying nuts, and 83% of consumers tended to choose well-known brands and big brands, which gave big brand enterprises quite free pricing power.

Three years ago, the stock price of Liangpin Shop was 15 consecutive boards as soon as it was listed, which rose for nearly a month, and its market value more than tripled. The logic of capital is clear: in the field of snacks, especially nuts, a slight expiration may affect the taste and produce harmful substances. Branding is the only way, and brands protect the interests of enterprises and consumers.With a well-known brand and a tall product image, the leisure and snack giants have commercial barriers.The core of barriers is high quality, and high quality corresponds to high price, so-called high quality and high price. As a result of high price and high quality, the snack food giants who have made a name for themselves will get a high valuation.

Stills of "Yu Zi without Progress"

It seems that this is an ideal development path for both consumers and brands. You make money and I get safe food.. But I don’t know if you have noticed, but up to now, we still haven’t reached the average consumption level of consumers in the United States, Japan and even the whole world.However, enterprises use the trust of consumers to quietly increase the gross profit margin of leisure snacks.For example, when you look at corporate financial reports, you often see that the gross profit margin of nuts exceeds 30%, setting a new high.

Unfortunately, leisure snacks can be described as not having the life of liquor, but getting the disease of liquor.Being a giant doesn’t mean that nuts will be exclusively handled by them. Especially when the brand premium becomes too high and it is necessary to pay too high a price for trust, consumers can not buy it. After all, the threshold of this industry is really not high, and their own emerging enterprises fill the gap in the market.

The biggest change in the snack retail industry in the past two years is the emergence of a large number of mass-selling snack shops.These snack shops all over the street corner, large glass windows, simple display cabinets and a wide range of small packaged snacks have brought snack sales to a brand-new model.

The discount snack shop purchases directly from the factory, eliminating the dealer link, so the goods are cheaper.Compared with the snack shelves in supermarkets, the types of bulk products in discount snack shops are more abundant. Different from the way of selling super-large packaging, many snacks here are small grams, individually packaged and weighed by the weight. In 2021, there were only 2,500 discount snack stores in China, and it will expand to 13,000 by the end of 2022. According to this trend, there may be nearly 30,000 stores this year.

Discount-style snack shops have not only blossomed everywhere, but also recently started the capital operation of mergers and acquisitions.Zhao Yiming Snacks and Busy Snacks, two brands of mass-market snacks, have announced a strategic merger.

Since bulk snacks are equally delicious and cheap, the snack giants who have just established their brands will soon be defeated.The revenue of good shops has declined year-on-year for five consecutive quarters, and in the third quarter of this year, it fell into a double decline in revenue and profit, of which the accumulated revenue fell by 14.33%. Reducing prices to regain the market is the choice that must be made in front of snack giants such as good shops. In fact, as early as a year ago, the three squirrels put forward a high-end cost-effective strategy, which made the price of their main nut products significantly lower than that of their competitors. This strategy did not seem to stabilize the sales of the three squirrels. In the first three quarters of this year, the operating income also dropped by 14%, but it is believed that competitive prices were strictly implemented in the third quarter, and sales began to pick up.

Stills of Ode to Joy

Today’s big three snacks, their profit situation is far from comparable three years ago, and there is no hope of ensuring profits. If you want to survive, there is only one way to reduce prices.When the good shop launched the price reduction strategy in an all-round way, the capital market rewarded it with great rewards, and the stock price went up and down for two consecutive days, showing this state of being forced to die after being cornered.

This year’s price trend, price reduction is the mainstream, and CPI fell into a negative value in October.Among them, the price of food dropped by 0.8%, which became the main reason for the price drop. The price reduction of food is due to the weather, good weather and abundant products, and the overall supply of agricultural products is sufficient. However, considering that pork, which affects the price the most in a year, has not improved, it shows that consumption is in a state of insufficient purchasing power. At this time, for a large number of surplus food supplies, there is a chance to reduce prices. Even for Maotai, there is a huge price difference between wholesale and retail. For example, when the wholesale price of Maotai has increased by 20%, the retail price has only increased by 0.7%, which shows that the retail market has no ability to digest the price increase at all. I have been watching many liquor brands that are eager to try, so I have not followed up.

"Good Sir" stills

In such a market environment, price increases are tantamount to being against consumers and their own business prospects. And price reduction is to follow the trend and join the mainstream. The drop is less, just like a night trip, no one pays attention, and it can’t get market share.Only by lowering the price loudly and imposing manner can we earn the lottery.In this sense, the good shop is the main theme of this year’s business.

　　Announcement No.3 in 2021 issued by the central bank in March this year shows that all institutions engaged in loan business should show the annualized interest rate to borrowers in an obvious way when marketing through websites, mobile applications, posters and other channels, and indicate it when signing the loan contract, or display information such as daily interest rate and monthly interest rate at the same time as needed, but it should not be more obvious than the annualized interest rate. The annualized loan interest rate can be calculated by compound interest or simple interest method. If the simple interest calculation method is adopted, it should be explained that it is simple interest.

　　Recently, the Beijing Youth Daily reporter found that many loan apps are still playing "cleverness" with consumers in displaying interest rates, and only show the daily interest rate or the lowest annualized interest rate with a small value. Only when consumers actually get the loan, do they find that the real interest rate is much higher than they thought.

　　survey

　　A few apps still violate the rules to promote customers at daily interest rates.

　　The announcement of the central bank has been released for nearly two months. However, the reporter of Beiqing Daily found that there are still some loan apps that use the daily interest rate to promote customers, and they have not marked the annualized interest rate at the same time.

　　For example, the application page of Vipshop’s "only cash withdrawal for flowers" only shows "the minimum daily interest fee of 13,60 seconds will arrive at the account quickly"; Mango TV’s "Mangli Good Loan" is known as "low interest, and the daily interest rate is as low as 0.02%"; On the "Financial Services" page of the "My Wallet" page, the car APP of Shouqi Car shows "the maximum is 300,000, and the minimum daily interest rate is 22,000". After clicking enter, you will see four loan products with annualized interest rate display.

　　In addition, some loan products have neither annual interest rate nor daily interest rate, only the maximum loan amount. For example, the activation page of JD.COM Gold Bar only shows the maximum loan amount of 200,000 yuan, and the words "50,000 yuan is free for 15 days", "fast loan", "installment repayment" and "low interest rate", and there is no specific interest rate description, which can only be seen after opening; After other apps enter, only the maximum amount that can be applied is displayed, and you need to register to see the details; Xiaomi’s satellite loan shows that "the maximum loan amount is 300,000 yuan", "the fastest one-minute loan and flexible repayment", and you need to log in to learn more information.

　　There are fewer loan products marked with simple interest.

　　According to the requirements of the central bank, all loan products should clearly indicate the annualized interest rate of loans; The annualized loan interest rate can be calculated by compound interest or simple interest method; If the simple interest calculation method is adopted, it should be explained that it is simple interest. The calculation method of compound interest is the internal rate of return method, that is, the annualized internal rate of return (IRR) calculated after considering compound interest according to the borrower’s loan principal, repayment amount per period, loan period and other factors. The annex to the central bank’s announcement called it "a fair way to calculate the annualized interest rate of loans".

　　After investigation, the reporter of Beiqing Daily found that at present, the loan products of most formal institutions have been marked with annualized interest rates according to the requirements of the central bank. Alipay borrowing, micro-loan, and US group living expenses also show the daily interest rate and annual interest rate, and some also list the conversion formulas of the two.

　　However, only a few products have "simple interest" next to their interest rates. For example, the homepage of Anyihua shows that "the annualized interest rate is at least 7.2% (simple interest) and risk pricing is implemented"; Today’s headline shows that "the annual interest rate (simple interest) is 10.80%-24%"; The "Goose Spending Money" docked by Tencent Video APP indicates that "the annual interest rate is as low as 7.20% (simple interest), calculated on a daily basis".

　　reveal a secret

　　The result of compound interest calculation for the same loan is higher than simple interest.

　　What effect will simple interest or compound interest have on the real interest rate of consumers? Two examples are provided in the announcement of the central bank, and the result of the same loan calculated by IRR method is higher than that of simple interest.

　　For example, a consumer finance company borrows a loan with a term of one year and monthly repayment, with a total of 12 installments and a principal of 100,000 yuan. According to the repayment plan, the borrower pays the 1000 yuan service fee in one lump sum in the current loan period, and repays 8833.3 yuan in equal amount every month from the end of the first month after the loan, in which the principal is 100,000/12 = 8333.3 yuan, and the installment fee (calculated by 0.5% of the initial loan principal) is 100,000× 0.5% = 500 yuan. The comprehensive annualized interest rate of the above loans calculated by simple interest is about 12.80%, and the comprehensive annualized interest rate calculated by IRR method is about 13.58%.

　　A person’s housing loan, with a term of 20 years and monthly repayment, has a total of 240 installments, with a principal of 1 million yuan, and is repaid by matching principal and interest. According to the repayment plan, from the end of the first month after the loan, the borrower will repay the principal and interest of 6599.6 yuan in equal amount every month. The annualized interest rate of the above loans calculated by simple interest is about 5%; The annualized interest rate calculated by IRR method is about 5.12%.

　　Liu Xinyu, a partner of Zhonglun Law Firm, believes that the central bank’s announcement clarified the calculation scope and method of comprehensive capital cost, solved the scope dispute of comprehensive capital cost in legal practice, and provided legal reference for the judicial department to handle loan dispute cases. At the same time, the formal introduction of IRR into the regulatory provisions will help protect consumers’ right to know and prevent consumers from being misled into applying for loans without knowing the true cost.

　　Don’t be tempted by the lowest interest rate. The actual approved interest rate is often much higher.

　　The reporter of Beiqing Daily found that many loan products are marked with "annualized interest rate from 7.2%". If you think that the interest rate you get is 7.2%, you will be greatly disappointed. Because lending institutions will evaluate customers’ credit and risk levels according to various factors, customers need to apply first, and only after the approval of the institutions can they know their final access quota and applicable interest rate. The actual loan interest rate approved by consumers will not be the same, and only the best customers can enjoy the lowest interest rate.

　　According to the investigation of the reporter of Beiqing Daily, the loan interest rates enjoyed by different customers on the same platform are very different, and the interest rates obtained by the same person on different platforms may be different. Few customers really enjoy the lowest interest rate, but many customers complain that the interest rate is too high.

　　For example, the same is Alipay. The daily interest rate of reader Miss Wang is 0.025% and the annual interest rate is 9.125%, while her friend Mr. Zhang is 0.04% and the annual interest rate is 14.6%. The annual interest rate of Miss Wang’s micro-loan is 10.95%, which is higher than that of Borrowing Bai, while Mr. Zhang’s micro-loan interest rate is 12.775%, which is lower than Borrowing Bai.

　　In another application, it is clearly marked that "the daily interest rate starts from 0.02% and the annualized interest rate starts from 7.20%". Miss Huang, who is heading for 7.20%, finally got the interest rate of 0.065% per day and 23.4% per year, which is more than three times that of 7.2%. Her friend Mr. Li was granted a daily interest rate of 0.097% and an annualized interest rate of 34.92%, which is 4.85 times that of 7.2%. They all want to know how many customers have actually obtained loans with an annual interest rate of 7.20%.

　　On the black cat complaint platform, there are more than 40,000 complaints about "annual interest rate", most of which are "the annual interest rate is found to be too high after borrowing". Some complainants reported that the annual interest rate of some lending platforms even exceeded 36%.

　　point out

　　Be wary of network platform inducing excessive borrowing.

　　At the end of last year, China Banking and Insurance Regulatory Commission issued "Warning on Risk of Excessive Lending Induced by Online Platforms". China Banking and Insurance Regulatory Commission pointed out that in order to obtain a large number of customers, some online platforms over-market financial products such as loans or credit card overdrafts through various online consumption scenarios to induce over-consumption. China Banking and Insurance Regulatory Commission Consumer Protection Bureau reminds consumers that they should establish a rational consumption concept, use lending products rationally, choose formal institutions and channels to obtain financial services, and be alert to the hidden risks or traps behind excessive lending marketing.

　　According to the risk warning, some organizations or online platforms unilaterally emphasize the favorable conditions such as low daily interest rate, interest-free period and zero interest installment. However, the so-called "zero interest" does not mean zero cost, and there are often "service fees", "handling fees" and "overdue charges", and the actual comprehensive annualized interest rate of such products may be very high. Some marketing activities intentionally blur the actual cost of borrowing, which infringes on consumers’ right to know and easily leads to misunderstanding or recognition.

　　There are also some online platforms that claim that the loan procedures are simple, tempting consumers to click on it, and some institutions even lend excessively to minors, school students, low-income people, etc., and then carry out violent collection, pretend to be malicious collection by judicial organs, and collect for borrowers’ relatives and friends, causing a series of family and social problems.

　　Text/Reporter Cheng Wei Coordinator/Yu Meiying