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.

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.

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.

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

　　CCTV News:It is a traditional custom for us to go home for the Spring Festival in Chinese. During the Spring Festival, the Ministry of Justice launched an activity of visiting relatives from prison, which allowed 999 criminals to go home for the Spring Festival. All these criminals returned to prison safely, and there was no accident. A reporter asked, what was the consideration when this activity was carried out at that time? According to what kind of law? Are there any concerns?

　　司法部部长 张军: "Crime is a social problem. More people may think that reforming crime is a prison matter and the responsibility of the judiciary. In fact, to some extent, reforming crime is a social matter. At present, after more than ten years of prison system reform, we have achieved the bottom line safety that is acceptable, manageable and impossible to run. More than a decade ago, in the process of labor and management education, nearly 4,000 prisoners escaped each year. Now there are only a handful of prisoners who escape each year, and the bottom line is safe. Prison criminals will be released after serving their sentences, and the prison itself will be safe. Whether it can achieve social security is the "overall national security concept" put forward by General Secretary of the Supreme Leader in the report of the 19th National Congress. Prisons have the responsibility, and judicial administrative organs have the responsibility to ensure that the provisions for transforming criminals into law-abiding citizens can be put in place. "

　　司法部部长 张军: "In our work, we put forward that we should achieve the fundamental safety of prisons and other aspects of judicial administration on the basis of the bottom line safety. The so-called root cause security, as far as prison reform criminals is concerned, is to transform criminals into law-abiding citizens of society. "

　　司法部部长 张军: "We have taken the following measures around this goal: First, we must keep the bottom line safe and not escape, accept, manage and run. Second, comprehensively and vigorously improve the professional quality and political quality of the prison people’s police, and greatly improve their transformation ability. Third, we should socialize the reform of criminals, let the spring breeze of society penetrate into the prison iron gate, rely on social forces, and combine political thought, traditional culture, loyalty, filial piety and honesty with the reform of criminals, so that criminals can receive individual education combined with their own criminal situation. Fourth, we are now more likely to release criminals from prison by reducing their sentences and serving their sentences. When they go out, they are ordinary citizens, and no one has the responsibility to discipline them, but only general social education. The proportion of prisoners on parole in prison is obviously low, which is not in line with the spirit of the law. Only 2% of prisoners on parole. In the future, we will work with the people’s courts and people’s procuratorates to substantially increase the proportion of criminals who can be released on parole. After being released on parole, the unfinished sentence is his probation period. In the next three or two years, if he violates the law, he will be sent back to prison to gradually integrate into society under the transformation environment of community correction. And other related work, we will put it in place to achieve the root cause of security. "

　　司法部部长 张军：“罪犯离监探亲就是治本安全观的举措之一，也是让社会介入到改造过程当中。我们这次实行罪犯离监探亲，具体落实的有27个省市区，311所监狱，一共999名罪犯在春节前回家与家人团聚。在初四、初五规定的时间内100%回来。经得起这次活动社会给予的考验，经得起监狱具体工作给予的考验。这项工作得到了社会方方面面的支持，包括罪犯的家属、亲友、派出所、社区矫正机构、基层党委和政府。这项很普通具体的工作得到了最高领袖总书记的关注，习总书记通过中央政法委书记郭声琨嘱咐相关工作人员，不能仅此一次活动，而是要把其制度化、常态化，要把活动做得更好，让社会理解、接受、支持这项工作。”

　　司法部部长 张军：“治本安全观不仅仅是监狱，还包括戒毒、社区矫正和司法行政其他方方面面的工作。为维护社会治安，促进社会秩序良好，让人民群众有更多实实在在获得感、幸福感、安全感而做出我们的努力。”

CCTV News:Look at the economy through data and feel the vitality of China.

In the first eight months, China’s import and export of goods increased by 6% year-on-year

According to customs statistics, in the first eight months of this year, the total import and export value of China’s goods trade was 28.58 trillion yuan, a year-on-year increase of 6%. Among them, the export was 16.45 trillion yuan, up 6.9%; Imports reached 12.13 trillion yuan, up 4.7%.　　

Customs statistics show that in the first eight months of this year, China’s import and export to countries that jointly built the "Belt and Road" reached 13.48 trillion yuan, an increase of 7%. Among them, the import and export to ASEAN was 4.5 trillion yuan, an increase of 10%, accounting for 15.7% of China’s total import and export value in the same period. ASEAN continues to be China’s largest trading partner. In the same period, imports and exports to the European Union, the United States and South Korea increased by 1.1%, 4.4% and 8% respectively.

More than 70 initiatives to promote the high-quality development of service trade

At the policy briefing held by the State Council Information Office on September 10th, the relevant officials of the Ministry of Commerce and other departments introduced that the country will introduce more than 70 policy measures to promote the high-quality development of service trade around promoting institutional opening, promoting cross-border flow of resource elements, promoting innovation and development in key areas, expanding the international market layout, and improving the support system.

In August, the China Express Development Index increased by 12.6% year on year.

The reporter learned from the State Post Bureau that the China Express Development Index was 407 in August, up 12.6% year-on-year. Driven by summer consumption and school season, the average daily business volume of express delivery in China has increased from 440 million to 480 million.

In the first eight months, the production and sales of new energy vehicles in China increased by double digits year-on-year

According to the latest data released by China Automobile Industry Association on September 10th, in the first eight months of this year, the production and sales of new energy vehicles in China were 7.008 million and 7.037 million respectively, up by 29% and 30.9% respectively, and the sales of new energy vehicles accounted for 37.5% of all new car sales.

1-mdash this year; In August, the number of tourists from ASEAN, Japan and South Korea to China doubled.

The reporter learned from the high-level seminar on immigration management policies of ASEAN, China, Japan and South Korea being held in Suzhou that this year, 1-mdash; In August, the number of tourists from ASEAN, Japan and South Korea increased exponentially.

1-mdash this year; In August, 9.69 million people from ASEAN countries entered the mainland of China, up by 113.1% year-on-year, 680,000 Japanese citizens entered the mainland of China, up by 123% year-on-year, and 1.587 million Korean citizens entered the mainland of China, up by 142.1% year-on-year. The main reasons for entry were sightseeing, business meetings and visiting relatives. At the seminar, the National Immigration Bureau of China proposed to introduce a more active, open and efficient immigration management policy around "promoting regional personnel exchanges", promote the facilitation of border clearance, and jointly crack down on transnational organized crimes such as human trafficking, migrant smuggling, telecom fraud, online gambling and drug trafficking, so as to create a more legal and orderly entry-exit security environment.

The reporter was informed at the seminar that ASEAN and China, Japan and South Korea account for one-third of the world’s total population and economy, and countries are important trading partners of each other, with deep integration of industrial chains and supply chains and close personnel exchanges.

1— In August, more than 860 important shareholders of A-share listed companies increased their holdings.

On September 10th, CSRC announced 1—Repurchase of listed companies in August. The data shows that 1— In August, more than 10 companies bought back more than 1 billion yuan. In addition to repurchase, the number and amount of holdings of important shareholders of listed companies have also increased significantly.

The data shows that this year is 1-mdash; In August, more than 860 important shareholders of A-share listed companies increased their holdings in the secondary market, with an increase of over 55 billion yuan, both in quantity and amount. Among them, 9 companies have increased their holdings by more than 1 billion yuan. Companies with larger holdings are mainly concentrated in banking, petrochemical and other industries.

Guo Ruiming, Director of the Listing Department of the China Securities Regulatory Commission, said that the major shareholders, actual controllers and Dong Jiangao, who increased their holdings of the company’s shares, are confident in the company’s future sustainable development and optimistic about the company’s prospects. In addition, important shareholders can’t actually sell after a certain period of time, which is also very positive for stock price stability.

By the end of August, more than 1,000 companies in Shanghai and Shenzhen stock markets have launched medium and long-term dividend plans.

The data shows that as of the end of August, more than 1,000 companies in Shanghai and Shenzhen stock markets have launched medium-and long-term dividend plans, and many companies have clearly defined the specific proportion of cash dividends or policy objectives in their articles of association. 1-mdash this year; In August, 663 companies in Shanghai and Shenzhen stock markets announced interim dividends, a year-on-year increase of nearly three times; It is estimated that the dividend will be 533.7 billion yuan, more than doubling year-on-year, accounting for 18.5% of the net profit in the same period from 7% last year.

Guo Ruiming, director of the listing department of the China Securities Regulatory Commission, said that the regulatory authorities and exchanges guide listed companies to formulate medium and long-term dividend plans to stabilize investors’ expectations. On the other hand, the habit of promoting more capable companies to pay dividends in the medium term and paying dividends multiple times a year is gradually being cultivated, and leading companies in the industry have played a very good role in this process.

　　According to Guangdong traffic police, Guangdong will usher in the peak period of students returning to school and migrant workers reworking. Guangdong traffic police expect that there will be a return trip peak on February 13th and 14th after the Lantern Festival, that is, 16th and 17th. Many places in Guangdong will hold a series of celebration activities, such as fireworks show, lantern festival and temple fair. In order to ensure the safety and order of road traffic in the jurisdiction during the activities, local public security traffic control departments will implement temporary traffic control on the roads around some activity areas.

　　In view of the post-holiday characteristics that the bus terminal mainly undertakes the passenger flow of major transportation hubs, the municipal transportation department focuses on strengthening the supervision and management of supporting passenger stations of major transportation hubs such as the provincial bus terminal, Guangzhou South Bus Terminal, Baiyun Bus Terminal, Baiyun Airport Bus Terminal and East Station Bus Terminal, urging the stations to have sufficient capacity, optimizing the waiting space in the stations, paying close attention to the arrival dynamics of flights and trains at airports and railway stations, and sending additional staff to do a good job in ticket purchase, ticket checking and bus guidance. According to statistics, after the holiday, 38 extra lines and more than 600 overtime buses were prepared at each passenger station to fully ensure the smooth transportation of passengers.

　　The municipal transportation department focuses on the supervision and inspection of the key links such as the verification of the operating qualifications of the inbound bus and drivers, the safety inspection of the inbound vehicles, the inspection of passengers’ "three products" and the ticketing and inspection work in real-name registration system, and the outbound inspection, so as to prevent illegal modification and overloading of vehicles and strictly observe the bottom line of safety production. As of February 11th, after the holiday, passenger stations carried out about 5,800 vehicle inspections, more than 170,000 "three products" inspections, and intercepted more than 80 prohibited and restricted articles, which effectively guaranteed the safety of Spring Festival travel rush.

　　CCTV News:The State Council Press Office held a press conference on January 26th, and the relevant person in charge of the Ministry of Commerce introduced that in 2023, China’s business operation showed three characteristics: "maintaining stability", "improving quality" and "increasing capacity".

　　Specifically, in terms of consumption, the total retail sales of social consumer goods reached a record high. In 2023, the contribution rate of final consumption expenditure to economic growth reached 82.5%; Online retail sales increased by 11% and continued to maintain a rapid growth rate; The retail sales of services increased by 20%, showing great growth potential.

　　In terms of foreign trade, the import and export of goods has achieved positive growth in RMB on the basis of a high base, and the international market share of exports has stabilized at around 14%. China’s import and export of intermediate products accounted for 61.1%, which remained at a historical high. The proportion of import and export of private enterprises increased by 3.1 percentage points, reaching 53.5%.

　　In terms of two-way investment, the scale of actually used foreign capital was the third highest in history, and the number of newly established foreign-funded enterprises increased by 39.7%.

　　In terms of foreign investment, the growth rate of foreign investment in manufacturing, wholesale and retail is higher than the average. Foreign investment cooperation in the fields of green, digital and blue continued to expand, and foreign non-financial direct investment increased by 16.7% in RMB.

　　Minister of Commerce Wang Wentao:New kinetic energy for development in some fields is constantly emerging, and green, healthy, intelligent products and domestic "tidal products" are favored and become new consumption hotspots. Automobile exports increased by more than 50% and cross-border e-commerce exports increased by 19.6%, all of which have become new "engines" for foreign trade growth.

　　In 2023, China completed the negotiation on the text of the WTO investment facilitation agreement, which was the first major topic led by China in the WTO. Newly signed or upgraded free trade agreements with four countries including Nicaragua. The first China plan on strengthening international economic and trade cooperation in the digital and green fields was released, and more than 30 countries and international organizations responded positively.

　　Set about four "new" ways to consolidate the basic foreign trade.

　　At the press conference on January 26, the relevant person in charge of the Ministry of Commerce said that in 2024, efforts will be made to introduce new policies, cultivate new kinetic energy, open up new markets, release new potential, and continue to consolidate the basic foreign trade.

　　Pay close attention to introducing new policies. In April 2023, China promoted the idea of stable scale and excellent structure of foreign trade. According to the new situation and new tasks in 2024, we should pay close attention to a new round of policy research and evaluation, introduce new policies as soon as possible, and form a "combination boxing" with existing policies.

　　Accelerate the cultivation of new kinetic energy. Expand the trade of raw materials, semi-finished products, parts and other intermediate products. Promote the development of new formats and new models such as cross-border e-commerce, bonded maintenance and market procurement. Formulate a catalogue of import and export goods for green and low-carbon products, accelerate the digitalization of international trade documents, and promote the green development of trade and the digital transformation of the whole chain.

　　Help open up new markets. Continue to run important exhibitions such as Canton Fair and Service Trade Fair, actively support enterprises to participate in overseas exhibitions, continue to promote the convenience of cross-border business personnel, help enterprises better connect with the market and customers, and strive for more orders.

　　Release new import potential. Expand the import of high-quality consumer goods, advanced technology, important equipment and key parts, increase the import of energy resources products and domestic agricultural products in short supply, give full play to the role of important exhibition platforms such as China International Import Expo(CIIE), expand diversified import channels, and improve the facilitation level of import trade.

　　What are the routines for 4S shop maintenance?

　　Routine 1:

　　Similar projects cost more.

　　Routine 2:

　　Recommended item "Overmaintenance"

　　Routine 3:

　　Promise to shrink after the discount.

　　Text/Guangzhou Daily reporter Deng Li

　　In order to make the car have a longer service life, it is necessary to carry out regular maintenance according to different kilometers. However, most car owners "check" what items need to be done during regular routine maintenance. Recently, some car owners broke the news to our reporter: in order to make more money, the car 4S shop actually mixed the recommended items with the must-do items, fooling the car owners who didn’t understand the car and overcharged thousands of dollars in disguise. The reporter investigated the after-sales service of automobile dealers and found that recommending items outside the maintenance manual is one of the most common after-sales practices in 4S shops, and there are "routines" on how to recommend and charge standards.

　　Owner feedback:

　　Routine maintenance quoted "sky-high price"

　　Mr. Liu, the owner of Land Rover, did 20,000 kilometers of routine maintenance for the 4S shop at the beginning of the month. After receiving him warmly, the after-sales consultant listed a maintenance list with 11 items for him. Mr. Liu happened to have an important phone call to deal with, so he glanced at it and signed it. After three hours of routine maintenance, he was surprised by the maintenance statement issued by the 4S shop — — It is as high as more than10,000 yuan! Looking at the maintenance projects carefully, Mr. Liu found that in addition to the necessary maintenance projects, many additional recommended maintenance projects have been added: a project that has not replaced the necessary antifreeze for the time being, including the working hours, costs as much as 3,000 yuan; Maintenance of air conditioning pipes, cleaning of throttle valves, oil nozzles and other "cleaning" projects, with a total charge of more than 2,000 yuan; What is even more exaggerated is that there are five items, such as fuel injection system cleaning agent and engine protection additive, which cost more than 2,500 yuan when working hours are included. The experience of many maintenance tells him that these are unnecessary maintenance projects. "If the owner does not carefully filter the maintenance list, it will be completely regarded as ‘ Water fish ’ Treat! " Mr. Liu said that according to the 20,000-kilometer routine maintenance of general vehicles, it is mainly necessary to replace the "three filters" such as engine oil filter and air conditioner filter and clean the air conditioner. Even the Land Rover brand costs only about 3,000 yuan.

　　Reporter’s investigation:

　　"Monchacha" car owners are easy to be pitted

　　"It’s basically what the 4S shop tells me to do, and I don’t quite understand when to do maintenance." In the reporter’s random interview with several car owners, there are quite a few such answers. The owner of a German luxury car showed the reporter the list of historical maintenance and settlement in the 4S shop, which showed that all kinds of "additives" materials such as carburetor cleaner, engine lubrication system protector and engine oil cleaner were on the list. Not only luxury cars, but also ordinary family passenger cars with low prices have similar additional items (mostly recommended by the after-sales consultants of the 4S shop). For example, a car owner who bought an American car with more than 100,000 yuan at the end of last year was recommended by the 4S shop to do "full vehicle lubrication" and "oil cleaning" when he went to the 4S shop for "second guarantee" last month, and even the tires were overcharged by nearly 1,000 yuan.

　　Master Lin, who has been engaged in automobile maintenance in Guangzhou for more than 30 years, told the reporter: "Once the owner meets ‘ Deep maintenance package ’ 、‘ Cleaning package ’ Pay more attention to the project suggestions, not every car needs similar maintenance. " He pointed out that most cleaning agents and additives are optional items. Even if the owner wants to treat his car better, the same product can be solved at only 1/3 of the price in the outside repair shop, which is the place with the largest "moisture" in the conventional maintenance project. In addition, although oil cleaning is also one of the maintenance items, it is generally recommended to use vehicles with a distance of more than 20,000 to 30,000 kilometers, but new cars are not needed. Daily attention should be paid to replacing the oil filter every six months or 5000 kilometers, so the vehicle problem is not serious.

　　There are doorways for 4S shops to make money:

　　The more expensive the car, the more it will be slaughtered.

　　Insiders pointed out that this phenomenon of "over-maintenance" of vehicles in the store is the biggest part of the profit source of 4S stores. The better the car, the more it may be "over-maintained". For example, Mr. Liu’s Land Rover originally only needed 3,000 yuan of maintenance content, but it was abruptly earned more than 7,000 yuan by the 4S shop. A Ford owner, Mr. Lei, told the reporter that the car he just bought had an engine oil leak only one year after it was opened. It was only a problem that could be solved by replacing an oil seal for free, but the 4S shop told him that it would take more than 1,500 yuan to thoroughly clean the intake system, fuel system, three-way catalysis and maintain the combustion chamber. Fortunately, Mr. Lei has experience, and then he went to the repair shop introduced by a friend and spent less than 100 yuan to handle it properly.

　　The reporter was informed that at present, 4S car shops don’t make money selling cars, so a lot of efforts have been made in lucrative after-sales service. For vehicles that come for maintenance, a lot of dispensable maintenance items are often recommended, and whether the so-called cleaning and additive items have been done or not, the owner can’t see it with the naked eye, and it is difficult to have the right to know. At the same time, the reporter noticed that the maintenance charges of 4S shops are more expensive than those of ordinary repair shops outside. For example, for a luxury car with a price of 300,000 to 400,000 yuan, minor maintenance such as replacing the "three filters" will be charged between 1,500 and 2,000 yuan for a general repair shop, but 4S stores will cost more than 5,000 yuan.

　　Care and attention:

　　Be sure to read the Maintenance Manual attached to the vehicle.

　　Many car owners have little knowledge of the structure of the car, let alone what parts to maintain for many kilometers. In this regard, the reporter interviewed some car after-sales masters from Japan, South Korea, Europe and the United States, and most of them suggested that the owner of this "check" must look at the "Maintenance Manual" of his model. "When buying a car, the manufacturers attach a Maintenance Manual with the car, which lists the maintenance items that should be done every number of years and kilometers. According to the above, it is a pity that many car owners have thrown it aside and will be fooled by the repair shop." The relevant person in charge of Guangzhou Motor Vehicle Maintenance Industry Association said that at present, the management of most automobile 4S shops is honest and reliable, but due to the pursuit of profit, it is not excluded that a few 4S shops will take advantage of the loopholes to deceive the owners.

　　However, the reporter’s investigation on the after-sales service of local dealers found that additional items such as recommending additives and in-depth maintenance have basically become common practices in most 4S shops, and 4S shops will basically be open and transparent, and publicize charges. The reporter noticed in the after-sales workshop of a 4S shop in Guangwu Automobile Trade that the sales consultant of the store will give the owner instructions on the additional items before the maintenance, and the maintenance process will be carried out according to the list after obtaining the owner’s permission. Master Lin pointed out that at this time, smart car owners may know what necessary items to do, and they can delete some redundant 4S shop recommendations, but the owners of "Mengchacha" can only be "routine" at this time. However, there are also 4S shops that tell car owners such tips as "serious carbon deposition was found in XXX parts during the inspection, and it is recommended to clean them" during the routine maintenance of vehicles to promote the maintenance package.

　　Car maintenance

　　Prevention of "Be Routine" Prompt

　　1. Maintenance discount after cash deposit

　　When some car owners buy a car, they can’t help but worry about the sales consultant, and deposit a certain amount of cash in advance. 4S stores promise to enjoy discounts for future maintenance. However, the so-called discount may only be a small discount on working hours, with a maximum of 20 to 30 yuan left, and some people shirk it for various reasons, so that you must pay the maintenance fee in full.

　　Suggestion: When buying a car, it involves the after-sales service commitment, so it must be written into the contract to prevent empty promises.

　　2. Minor maintenance and major maintenance "routines" are different.

　　General automobile maintenance can be divided into two categories: minor maintenance and major maintenance. Minor maintenance refers to the daily maintenance of the car using 5000~10000km. The most easily routine part of minor maintenance is "changing the oil and filter" and other items. Vehicles that only need to add semi-synthetic oil are hard to be fooled into adding a lot of money to synthetic engine oil. Major maintenance refers to the moderate maintenance of the car after driving 20,000 kilometers. The items that may be routine are: replenishing coolant, cleaning engine fuel system, brake pads, etc., that is, various cleaning agents and additives.

　　Suggestion: Be sure to look at the maintenance list and make sure that each item is necessary for a car. As for whether to save some money and choose an outside repair shop, it is suggested that the owner decide according to his personal consumption level.

　　3. After the warranty period, you can "take off the warranty" from the 4S shop.

　　At present, the warranty period of most vehicles ranges from "two years or 60 thousand kilometers" to "four years or 100 thousand kilometers", and new energy vehicles enjoy "six years or 150 thousand kilometers" No matter what the term is, the warranty period generally enjoys free maintenance, but it is mainly the "three filters" minor maintenance items such as replacing the engine oil and mechanical filter.

　　If the warranty period expires, the owner can "take off the warranty" from the 4S shop and carry out basic maintenance in some chain repair shops or beauty shops with good reputation, which can save a lot of money.

　　4. Bring your own materials to save money

　　It is cheaper to bring your own oil machine to 4S shop for maintenance. For the same product, it is very common for 4S shops to charge 1/3 or even several times more. However, if you bring your own materials, you should first consult the 4S shop for permission. Some 4S stores will force parts and materials that can only be supplied by "original factory channels" (that is, in-store sales).