Measures for the administration of rural water supply in Yunnan Province

DecreeNo. 220th of the People’s Government of Yunnan Province "Measures for the Administration of Rural Water Supply in Yunnan Province" has been adopted at the 100th executive meeting of the 13th Provincial People’s Government on February 8, 2021, and is hereby promulgated and shall come into force as of May 1, 2021.

Provincial Governor Wang Yubo

February 27, 2021

Measures for the administration of rural water supply in Yunnan Province

Chapter I General Principles

the first In order to strengthen the management of rural water supply and ensure the safety of rural drinking water, these measures are formulated in accordance with the People’s Republic of China (PRC) Water Law, the Regulations on the Management of Water Conservancy Projects in Yunnan Province and other laws and regulations, combined with the actual situation of this province.

the second These Measures shall apply to rural water supply planning, engineering construction management and protection, water source protection and water quality guarantee, water supply and water use and related supervision and management activities within the administrative region of this province.

The term "rural water supply" as mentioned in these Measures refers to the activities of supplying domestic water to rural residents and units by using rural water supply projects outside the coverage of urban water supply network. Rural water supply projects include centralized water supply projects and decentralized water supply projects.

Article Rural water supply adheres to the principles of government leadership, social participation, unified planning, strict economy, safety and hygiene, and promotes public service, large-scale development, standardization construction, market-oriented operation and professional management.

Article 4 The people’s governments at or above the county level shall strengthen the leadership of rural water supply, implement the responsibility system of the chief executive for rural drinking water safety, incorporate rural water supply into the local national economic and social development plan, increase investment, and improve rural drinking water conditions.

Article 5 The water administrative department of the people’s governments at or above the county level shall be responsible for the supervision and management of rural water supply within their respective administrative areas.

The departments of development and reform, finance, natural resources, ecological environment, agriculture and rural areas, housing and urban construction, sanitation and health, forestry and grass of the people’s governments at or above the county level shall be responsible for the work related to rural water supply in accordance with the division of responsibilities.

Township (town) people’s governments and sub-district offices shall be responsible for the relevant work of rural water supply management within their respective administrative areas in accordance with regulations.

Article 6 People’s governments at all levels and their relevant departments should strengthen the propaganda work of water source protection and water conservation, and improve the awareness of drinking water safety of rural residents.

Article 7 All units and individuals have the obligation to protect rural water supply sources and water supply projects, and have the right to stop and report illegal acts that pollute water quality and destroy rural water supply projects.

Chapter II Planning and Construction

Article 8 The water administrative department of the people’s government at or above the county level shall, jointly with the departments of development and reform, finance, natural resources, ecological environment, agriculture and rural areas, housing and urban construction, sanitation and health, forestry and grass, prepare rural water supply plans, organize their implementation after approval by the people’s government at the same level, and report them to the water administrative department of the people’s government at the next higher level for the record.

Rural water supply planning should be linked with land spatial planning, urban water supply planning, village planning and other relevant planning. In accordance with the principle of overall planning, focusing on key points and adapting to local conditions, centralized water supply should be given priority to and decentralized water supply should be supplemented to improve rural water supply system, strengthen water source protection and water quality guarantee, and promote the integrated development of urban and rural water supply.

When the approved rural water supply planning needs to be adjusted, it shall be approved by the original approval authority in accordance with the procedures for the preparation of rural water supply planning and reported to the original filing authority for the record.

Article 9 New construction, renovation and expansion of rural water supply projects shall conform to the rural water supply planning, and the project declaration and approval procedures shall be handled in accordance with the relevant provisions of the state and the province.

Article 10 Rural water supply project is a public welfare infrastructure. The construction of rural water supply projects is mainly based on government investment, and social investment, donations and labor are encouraged to build rural water supply projects.

Article 11 The survey, design, construction and supervision of centralized water supply projects shall be undertaken by units with corresponding qualifications and conform to relevant national and provincial technical standards and norms.

Pipes and equipment used in rural water supply projects shall meet the requirements of relevant national standards on product quality, health and safety, environmental protection and energy conservation.

Article 12 The construction land of rural water supply project is used as the land for public welfare infrastructure, and the people’s governments at or above the county level shall give priority to ensuring the supply of land and go through the relevant formalities in accordance with the provisions.

Article 13 After the completion of the rural water supply project, it shall be accepted in accordance with the relevant provisions of the state and the province, and shall not be put into use without acceptance or unqualified acceptance.

Chapter III Management and Maintenance

Article 14 The rural water supply project shall determine the property right according to the principle of who invests and who owns it or according to the wishes of the investor.

The people’s governments at or above the county level or their authorized administrative departments shall, in accordance with the law, register the ownership and use right of rural water supply projects and issue ownership certificates.

Article 15 Under the premise of not changing the basic purpose of the project, the centralized water supply project can be separated from the management right, and the owner can determine the water supply unit through contracting, leasing and entrusted management according to law, and be responsible for the project management and maintenance.

Encourage the formation of regional and specialized water supply units, and implement unified management and maintenance of rural water supply projects.

Article 16 The transfer of the right to operate rural water supply projects whose property rights are owned by the state shall conform to the relevant provisions of the supervision and administration of state-owned assets.

The income from the government investment in rural water supply projects shall be earmarked for the construction and management of rural water supply projects.

Article 17 The people’s governments at or above the county level and their relevant departments shall, in accordance with the provisions, give preferential treatment to the operation of rural water supply projects in terms of electricity consumption and taxation.

Article 18 The water administrative department of the people’s government at or above the county level shall, jointly with relevant departments, organize the delineation of the management scope and protection scope of rural water supply projects, which shall be announced after approval by the people’s government at the corresponding level.

The management scope and protection scope of the approved rural water supply project shall be marked with boundary markers and bulletin boards by the owners or water supply units of the rural water supply project.

Article 19 Within 30 meters of the purification and disinfection facilities, pumping stations and reservoirs of centralized water supply projects, it is forbidden to pile up garbage and other pollutants, and it is forbidden to build seepage toilets, seepage pits, sewage channels and other living and production facilities that affect water quality.

Article 20 Engaged in engineering construction or other activities, which may affect the safety of rural water supply projects, the construction unit shall negotiate with the water supply unit and take safety protection measures according to the requirements of the water supply unit. If the water supply project is damaged, the water supply unit shall organize the emergency repair, and the expenses required shall be borne by the responsible person; If losses are caused, the responsible person shall be liable for compensation according to law.

Chapter IV Water Sources and Water Quality

Article 21 The people’s governments at or above the county level shall reasonably arrange and distribute rural water supply sources, and allocate water supply sources according to the principle of unified dispatching and development of surface water and groundwater and priority of surface water.

Article 22 People’s governments at the county level shall set up clear geographical landmarks and obvious warning signs at the boundary of drinking water source protection areas to strengthen the protection of rural water supply sources.

Article 23 People’s governments at or above the county level shall organize ecological and environmental departments to investigate and evaluate the environmental conditions and pollution risks of drinking water source protection areas, recharge areas of groundwater drinking water sources and surrounding areas of water supply units, screen possible pollution risk factors, and take corresponding risk prevention measures.

The people’s governments at or above the county level shall organize relevant departments of ecological environment, water administration, health and other departments to monitor and evaluate the drinking water safety status of rural water supply sources, water supply units and tap water quality of water users within their respective administrative areas, and take timely measures if any abnormality is found.

Article 24 The ecological environment, water administration, health and other departments of the people’s governments at or above the county level shall strengthen cooperation, establish an information sharing mechanism, share information about rural water supply projects and water quality monitoring, and jointly do a good job in rural water supply source protection and water quality monitoring in accordance with the division of responsibilities.

The water quality testing institutions affiliated to the health and water administrative departments of the people’s governments at or above the county level shall bear the expenses for carrying out water quality testing according to the plan, and shall not charge water supply units.

Article 25 Water supply units shall set up water purification and disinfection facilities, use water supply safety products and disinfection products that meet the national standards, establish and improve the water quality testing system, and ensure that the water quality meets the national drinking water hygiene standards.

Water supply units should do a good job in water quality testing of water intakes and outlets. If it is found that the water quality of the water intake does not meet the drinking water source quality standard or the water quality of the water outlet does not meet the drinking water hygiene standard, it shall take corresponding measures in time and report to the water administrative department of the local people’s government at the city or county level.

Water supply units that do not have the ability to detect water quality shall entrust institutions with corresponding qualifications to conduct regular testing.

Chapter V Water Supply and Water Use

Article 26 The centralized water supply project implements the paid use system for water supply. The water supply of decentralized water supply project shall be determined separately according to the actual situation and the principle of one thing and one discussion.

Article 27 The water price of domestic water in rural areas shall be reasonably determined according to the principle of cost compensation and fair burden, and shall be reasonably adjusted according to factors such as water supply cost, cost change and water users’ affordability. Where conditions permit, a two-part water price system can be gradually implemented, which collects water charges according to the basic water quantity and the practical water quantity exceeding the basic water quantity.

Article 28 The people’s governments at the county level shall increase the investment in the maintenance of rural water supply projects and subsidize rural water supply projects with water prices lower than the operating costs.

Article 29 If centralized water supply project really needs to stop water supply due to construction or equipment maintenance, the water supply unit shall notify the water users 24 hours before stopping water supply. If it is estimated that the normal water supply cannot be restored for more than 48 consecutive hours, the water supply unit shall take emergency water supply measures to ensure the domestic water demand of water users. If the water supply is interrupted due to natural disasters or emergencies, the water supply unit shall immediately take disposal measures and notify the water users.

Article 30 Water supply units shall comply with the following provisions:

(a) regular maintenance and maintenance of water supply facilities to ensure the safety and stability of water supply;

(two) to take measures to ensure that the water supply quantity, quality and water pressure meet the national standards;

(3) Metering and collecting water charges according to the approved or agreed price;

(four) the establishment of water supply accident emergency telephone, and announced to the public, accept the supervision of water users.

Article 31 Water users shall perform the following obligations:

(a) to pay water charges in accordance with the provisions, and shall not be in arrears or refuse to pay;

(two) shall not misappropriate water supply or change the nature of water use without authorization;

(three) shall not be removed or damaged without authorization, such as water meters and other metering equipment.

Article 32 City and county people’s governments shall organize the preparation of emergency plans for rural water supply emergencies.

The water supply unit shall, according to the local rural water supply emergency plan, formulate the corresponding emergency plan, report it to the local city and county people’s government for the record, and conduct regular drills.

Article 33 Water pollution accidents occur in rural water supply sources, or other unexpected events that may affect the safety of drinking water occur. Water supply units shall take emergency measures, report to the local people’s governments at the city and county levels, and make them public. The relevant people’s government shall, according to the situation, start the emergency plan in time and take effective measures to ensure the safety of water supply.

Chapter VI Legal Liability

Article 34 Staff of people’s governments at all levels and relevant departments who neglect their duties, abuse their powers or engage in malpractices for selfish ends in rural water supply work shall be punished according to law; If a crime is constituted, criminal responsibility shall be investigated according to law.

Article 35 In violation of the provisions of article nineteenth of these measures, the water administrative department of the people’s government at or above the county level shall order it to stop the illegal act and make corrections within a time limit; If no correction is made within the time limit, a fine of 5000 yuan or more and 20 thousand yuan or less shall be imposed.

Article 36 Violation of the provisions of these measures, these measures have not been punished, shall be punished in accordance with the provisions of relevant laws and regulations.

Chapter VII Supplementary Provisions

Article 37 The meanings of the following terms in these Measures:

(1) Centralized water supply project refers to a water supply project that takes water from a water source in a centralized way, and after necessary purification and disinfection, it is uniformly transported to water users or centralized water supply points through a water distribution network;

(2) Decentralized water supply projects refer to water supply projects in which scattered households use simple facilities or tools to directly take water from water sources.

Article 38 These Measures shall come into force as of May 1, 2021.

Liu Liming, director of the Department of Liver Diseases of the Third People’s Hospital of Hubei Province, not only saves people, but also wants to save money for patients.

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.

It will be the top priority to "brush the face" under the 5G tuyere to speed up and increase the temperature to strengthen the security line.

  A few years ago, "brushing your face" was used by friends to tease each other. In a blink of an eye, eating by "face" has become a reality. Previously, the first smart subway in Guangzhou achieved "brushing face". Under the 5G tuyere, the major payment giants are gearing up, and the payment for brushing their faces begins to speed up.

  Photo by He Xinghui

  Brush face payment makes people’s lives more convenient.

  Bus card, change, mobile phone … … You don’t need to bring them all. In Guangzhou, just brush your face by subway! According to media reports, recently, Guangzhou’s first smart subway station was opened, and passengers can brush their faces without feeling the barrier. Face recognition is completed within 300 milliseconds, and 40 people can pass every minute.

  Guiyang, as an inland capital city, opened the experience scene of subway face-brushing payment to the public as early as this year’s Expo. The general feedback from the public is, "It’s too fast and convenient to brush your face for seconds!"

  At present, Guiyang is taking advantage of its own big data development to implement the application project of public transportation brush face. It is expected that by the end of 2019, some lines of Guiyang subway and bus will try to pay for brush face. Guiyang will gradually build a face-brushing consumption ecology, and realize "one registration, face brushing in the whole city" in the urban area.

  I don’t know when it started, but face-brushing payment has penetrated into people’s daily life.

  Xin Yang, deputy director of the National Engineering Laboratory of Disaster Recovery Technology and professor of Cyberspace Security College of Beijing University of Posts and Telecommunications, said that from the original KFC KPRO restaurant to today’s pharmacies, supermarkets, convenience stores and many other offline retail scenes, more than one million consumers across the country have taken the lead in experiencing the convenience of paying by brushing their faces. At the same time, in the field of "internet plus government affairs", users in more than 170 cities have completed identity verification by brushing their faces, and handled matters such as provident fund withdrawal and tax inquiry online.

  The era of brush face payment is gradually approaching.

  "Brush face" under 5G tuyere speeds up and warms up.

  Up to now, with the advent of the 5G era and the deep integration of technologies such as internet plus, AI intelligence, cloud computing and Internet of Things, the payment for face brushing has started to speed up and warm up.

  Xinyang believes that compared with scanning code payment, face-brushing payment will bring more convenience to people, such as easy payment in the case of carrying heavy objects; Moreover, due to the superposition of AR capabilities, the payment scenario is more interesting.

  On the other hand, in the face of increasing labor costs, face-brushing payment can better open up sources and reduce expenses for businesses.

  The daily workload of a face brushing machine is equivalent to three cashiers. If 10 consumers check out at the same time, the traditional mode takes 56 seconds, while the face brushing only takes 10 seconds.

  In Xinyang’s view, the greater imagination of face-brushing payment lies in its drainage ability and interactive marketing. "This is a new traffic portal in the future. Before and after payment, merchants can make unlimited extensions, such as combining consumption records and preferences to recommend suitable products to consumers. This is the real value of brush face payment and the future development direction. "

  Xinyang predicts that Ali and Tencent are spending huge sums of money to promote and research the face-brushing payment technology, and the whole industry has great development prospects. In the next five years, face-brushing payment will show a spurt of growth and reshape the ecology of the entire payment industry and retail catering industry.

  Strengthening the security line will be the top priority.

  By uploading your own high-definition photos, you can replace the face of the protagonist in the classic film and television drama clips with your own face and perform with your beloved idol … … A few days ago, an APP called "Face Change" became popular on the Internet, which triggered a network carnival. However, because users need to blink and look up when they change their faces, which is similar to the face information collected when they pay by brushing their faces, the public can’t help but ask: At the moment when face-washing payment is becoming more and more popular, will the small video after "face-changing" fall into the hands of others, will it endanger the security of face-washing payment?

  Xinyang said that compared with fingerprints and irises, human face is a biological feature with weak privacy, so the threat to citizens’ privacy is particularly worthy of attention when paying for it. "No matter what kind of face recognition technology, it can be cracked. Whether it is worth cracking depends only on the cost and benefits of cracking. "

  Xinyang said that it is precisely because of the lack of mobile phone that the use of face information becomes easier. In the era of bio-payment opened by face-brushing technology, how to launch a fierce battle of attack and defense against new technologies, minimize the loss of interests of businesses and consumers, and make the security line stronger and stronger will be the top priority for the future development of face-brushing payment.

  An embarrassing fact is that due to the imperfection of equipment maturity, customer acceptance and payment security, face-brushing payment has not achieved large-scale popularization in China. At present, users prefer to use relatively safe mobile phones to pay. (Correspondent He Chun, reporter He Xinghui)

Find shopping fun on Taobao

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Olive curly hair moisturizing dynamic elastin.

Denise olive essential oil nourishing shampoo.

Swarovski professional repair glossy hair care cream.

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The first online shopping was fooled.

Perhaps most people will be hit by some "network and reality" more or less when they start to go to Taobao, and Zhang Peng is no exception. In 2005, Zhang Peng, who tried online shopping for the first time, still remembers the failure brought by a hairdo that practiced haircut.

Because I am a hairdresser by profession, I will inevitably add some hairdressing products from time to time. At that time, Zhang Peng began to try to buy some things he needed at work on Taobao. "I spent more than 200 yuan to buy a model head on Taobao to practice hair cutting. I saw that the owner wrote 100% real hair, and the price was cheaper than that in the store. I bought it without hesitation." But when things come to hand, Zhang Peng was a little scared. "When I got it, I found that it was not 100% real hair at all, more than half of it was real hair, and the rest were all artificial fiber fake hair to pretend."

The feeling of being fooled surged up. Zhang Peng immediately contacted the seller and asked for a return, but the other party gave a variety of excuses, and Zhang Penglai was required to bear the freight. Zhang Peng said angrily, "The first time I encountered such a thing, it was simply a blow, and I suddenly lost confidence in online shopping."

Online shopping again to regain confidence

After the first failure, Zhang Peng didn’t go online shopping for about a year. However, when I open my own shop, I am busy with work and many things, and I often can’t leave, so the purchase of hairdressing supplies consumed in the shop becomes a problem. It happened that Zhang Peng had a friend who was a Taobao maniac, and he often saw that he was very happy to buy on Taobao, and the things he basically bought were very good. Zhang Peng once again became interested in Taobao. "I saw that what others bought was good, so I thought, maybe I don’t have enough experience, and there are so many sellers, there will be conscientious sellers after all."

With the mentality of taking a chance, Zhang Peng started online shopping again. "Although I have rekindled my interest in Taobao, I am still very cautious. After all, the first lesson is too profound." This time, Zhang Peng no longer just looked at the price, pictures and descriptions of the goods blindly, but also talked with the shopkeeper about the products to judge the authenticity of the goods. Sure enough, the success rate of the things he bought later increased every time, and he regained his confidence in Taobao.

Accumulate experience to save time and money.

Shopping on Taobao is an absolute good way to save time and money, and it is the same for Zhang Peng. "I need this way of shopping, I can buy things without going out to the mall, and I can shop around." Zhang Peng mentioned that he was able to buy good things later, which had a lot to do with his accumulated Taobao shopping experience. It was worthwhile for him to be cautious from the original lessons.

Seeing that he has bought goods with guaranteed quality every time, Zhang Pengquan owes it to his own experience. Speaking of this, he is gushing. "Generally, when I look at a product, I will call the merchant. First, chat, because when chatting, you will feel that the shopkeeper is professional or unprofessional. Some shopkeepers don’t even know what brand of shampoo they sell. Do you dare to buy his goods? " Zhang Peng stressed, "In fact, I don’t like some big shops very much, because for me, what I need is speed and accuracy. Some big shops are customer service staff to answer your questions and submit orders." And Zhang Peng himself prefers some slightly smaller shops, which generally don’t press the goods, and the service attitude is good. The most important thing is that the owner communicates directly with himself, so that it is guaranteed to buy, and his heart is also more comfortable.

Go up and down for fun when you are free.

Not long ago, Zhang Peng opened a new studio of its own. Although it is not big, the business is good, and it is busy late almost every day. It can be said that work and life are full of flavor. "Work has never been idle, so Taobao has never stopped over the years. Once I have time, I will go to Taobao to pay attention to some new shops and find some good and cheap goods. " Zhang Peng said that although he doesn’t buy these goods every day, many customers feel good after using them every time, and he often buys them for customers to share with them.

Recently, Zhang Peng began to find some sellers in Chengdu on Taobao. "After seeing several shops in Chengdu, you can get the goods directly, which is absolutely guaranteed in quality, more convenient and more reassuring. After all, you can see the real thing yourself without express delivery, which also saves a sum of money." In addition to buying some hairdressing products, Zhang Peng also buys some daily necessities and clothes on Taobao. After seeing the real thing in the shopping mall, she will try the size before buying it on Taobao. He also feels that Taobao has brought convenience to him, and he has also found the pleasure of shopping on Taobao.

Cross-border e-commerce welcomes development opportunities again

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)

 

Constructing and perfecting the charging system and speeding up the popularization and application of ETC

Strive to basically cancel the national highway provincial toll stations before the end of the year-
Constructing and perfecting the charging system and speeding up the popularization and application of ETC

On May 10th, the State Council held a routine briefing on the State Council policy to interpret the implementation plan of deepening the reform of toll road system and canceling provincial toll stations on expressways. Dai Dongchang, Vice Minister of the Ministry of Transport, and Wu Dejin, Director of the Highway Bureau of the Ministry of Transport, introduced the cancellation of provincial toll stations on expressways.

Dai Dongchang said that the Ministry of Transport, on the basis of comprehensively summarizing the experience of pilot cancellation of provincial toll stations on expressways between Jiangsu and Shandong, Sichuan and Chongqing in 2018, has studied and put forward the Implementation Plan for Deepening the Reform of Toll Road System and Cancelling Provincial Toll Stations on Expressways, which has been submitted to the the State Council executive meeting for deliberation and adoption. The overall requirement of the "Proposal" is to basically cancel the provincial toll stations of national expressways within two years in accordance with deepening the reform of the toll road system, improving the efficiency of the comprehensive transportation network and reducing the logistics cost, and strive to basically cancel the provincial toll stations of national expressways before the end of 2019 to realize the fast toll collection without stopping.

Dai Dongchang said that in May last year, the the State Council executive meeting deployed the task of promoting the cancellation of provincial toll stations on expressways. The Ministry of Transport chose Jiangsu, Shandong, Sichuan, Chongqing and other provinces and cities to try first, and took the lead in canceling all 15 provincial toll stations on expressways at the end of 2018. According to statistics, under normal traffic conditions, the average time for buses to pass through provincial boundaries is reduced from 15 seconds to 2 seconds, and the time for trucks to pass through provincial boundaries is reduced from 29 seconds to 3 seconds.

"The cancellation of provincial toll stations is a complex systematic project, and it is the reconstruction of charging mode and charging technology. To complete this task, we need to do a good job in four aspects. " Dai Dongchang said: First, speed up the construction and improvement of the expressway toll collection system. It mainly includes the clearing and settlement at the central and local levels, the upgrading of the operation management system, the standardization construction and transformation of the hardware and software of toll stations, toll lanes and ETC portal systems, and the security reinforcement of the system network.

The second is to speed up the popularization and application of ETC electronic toll collection system. "The cancellation of provincial toll stations is not the cancellation of highway tolls, but the realization of fast charging without stopping through technical means. Vehicle identification, path recording and non-stop charging mainly rely on ETC vehicle-mounted devices, so it is very important to accelerate the popularization of ETC. " Dai Dongchang said that it will speed up the installation of ETC in-vehicle devices for existing vehicles free of charge, and by the end of 2019, the proportion of vehicles at the entrance of expressways using electronic non-stop express toll collection systems will reach over 90%; Promote the front installation of automobiles and upgrade and optimize ETC vehicle-mounted devices; Expand service functions and encourage the application of ETC in car-related places such as parking lots; Realize the sharing of motor vehicle registration information and facilitate the installation of ETC vehicle-mounted devices.

The third is to revise and improve laws and regulations. Dai Dongchang said that the cancellation of provincial toll stations on expressways is a change in the national expressway operation mode and toll technology route. It is urgent to revise and improve the Highway Law and the Regulations on the Management of Toll Roads, optimize the free passage of minibuses on major holidays and the "green passage" for the transportation of fresh agricultural products, and clean up and standardize the local toll reduction policies involving parking inspection and affecting fairness and efficiency. It is necessary to adjust the toll charging method of trucks, install ETC vehicle-mounted devices for trucks, and realize the fast passage of trucks without stopping.

The fourth is to promote the stock of government toll roads in bond swap. It is reported that in order to prevent and resolve the debt risk of toll roads, the Ministry of Transport will cooperate with relevant departments to increase the issuance of special bonds for toll roads, promote local government bonds to replace the existing debts of government toll roads that meet the policy requirements, optimize the debt structure, and prevent and resolve debt risks.

Dai Dongchang introduced the specific time schedule for the implementation of the task: various schemes and requirements, including technical standards, overall design scheme, engineering construction scheme, etc., will be issued before the end of May; Complete the construction of the project from June to October, including the renovation of toll lanes, the renovation of toll stations, and the upgrading of software and hardware; In November, the joint debugging test was started, so as to achieve the conditions for switching between the old and new systems before the end of December. On this basis, timely organize the implementation of system switching to ensure the completion of the goal of basically canceling the provincial toll stations of national expressways before the end of the year. (Reporter Zhu Junbi)

Apple’s mobile phone iphone4S sells "fruit powder" globally. Waiting in line for 17 days is only for early adopters.

Apple's mobile phone iphone4S sells "fruit powder" globally. Waiting in line for 17 days is only for early adopters.
The first batch of "fruit powder" in Britain to buy iphone4S was shown to the media.
Apple's mobile phone iphone4S sells "fruit powder" globally. Waiting in line for 17 days is only for early adopters.
People queuing outside Japanese specialty stores
Apple's mobile phone iphone4S sells "fruit powder" globally. Waiting in line for 17 days is only for early adopters.
The scene outside the Japanese store was once chaotic.

Since the launch of the iphone, Apple has been sought after by users all over the world, and some fanatical Apple fans are even called "fruit powder". According to foreign media reports, Apple iphone4S has been sold in the United States, Canada, Australia, Britain, France, Germany and Japan on October 14th. Because this generation of iphone is regarded as the legacy of Steve Jobs, one of the founders of Apple, die-hard fans can be seen waiting in line outside the store all over the world. Many crazy "fruit powders" have even been waiting in line in the cold wind for 17 days.

In the Apple store in London, England, there are as many as 778 people queuing to buy the iphone4S. According to a well-known mobile phone website, 89% of the "fruit powder" who came to line up were men.

The first person who bought the iphone4S in London that day was a Danish man named Jonas, who was one of many foreign "fruit fans" who made a special trip to Britain to buy the phone. When interviewed by local media, Jonas couldn’t restrain his excitement. He said, "I’m so happy. I can’t wait to go home and experience this iphone. "

Due to the time difference, Australia became the first country in the world to sell the iphone4S. When the store opened at 8: 00 a.m. local time, the clerk in the specialty store saw hundreds of fans crowding the whole block.

In the Apple store on Fifth Avenue in New York, USA, a large number of fans have been waiting in line in the cold wind for a long time, and some even started to queue up 17 days ago. In Japan, the first country in Asia to sell, the queue in front of the Apple flagship store in Tokyo was endless, and the scene was once chaotic due to the failure of the shopping mall system.

It is not uncommon for many people to wait in line for many days for the products to be listed in today’s society. Whenever new video games, movies and even bestsellers such as Harry Potter are released, fans will set up tents in front of the store a few days in advance, just to "try early" at the first time. But in the field of science and technology, this kind of thing is like "rare", and this kind of grand occasion will only appear every year when Apple releases new products.

Iphone4S has no breakthrough in appearance compared with the previous mobile phone, but its new Siri voice assistant is undoubtedly the most concerned function. A "fruit fan" who bought the mobile phone showed this function to the media. He said to the mobile phone, "How far is it from Washington, DC?" The mobile phone screen directly displays the navigation map, marks the road to Washington, DC, and tells the user the distance. When asked "How can I go to Shanghai", the mobile phone replied: "Sorry, there is no map of China."

Interestingly, if you prepare some interesting questions, you will also get interesting answers. When asked "Would you like to marry me" on the mobile phone, the iphone4S gave the answer: "Let’s just be friends, ok?"

Most buyers are not buying Apple products for the first time. Many of them not only have iPhone, but also replace them with new ones every generation. It is reported that the first-day pre-order of iPhone4S has exceeded 1 million units, surpassing the 600,000 units of the last iPhone4. The three major American telecom companies also said that the iPhone4S for pre-order has been sold out, which shows that its charm has fascinated the world. Bloomberg predicts that the sales of iphone4S will reach 4 million units.

(Source: China Daily Network Ren Qi Editor: Liu Chunping)

Ambitious! American Monroe Doctrine Return to Latin America? Expert: Power politics doesn’t work.

  Cctv newsOn the 15th local time, the Lima Group Foreign Ministers’ Meeting was held in Santiago, Chile. On the eve of the Foreign Ministers’ Meeting, US Secretary of State Pompeo visited Chile, Paraguay, Peru and Colombia, the main members of Lima Group, in order to further coordinate their positions and win support for solving the Venezuelan issue. In this regard, some experts in Latin American countries believe that the United States and Lima Group have obvious differences on whether to intervene militarily in Venezuela. For a long time, the United States has wantonly criticized the foreign policies of Latin American governments, which shows that the American government lacks respect for other sovereign countries.

  Experts believe that the intention of the United States to intervene and influence the foreign policies of Latin American governments is obvious. As a sovereign country, every Latin American country has the right and ability to independently formulate its foreign policy. Taking Latin America as its sphere of influence and promoting power politics are taking the old road of "Monroe Doctrine".

  For the recent remarks that the US government has repeatedly mentioned that "Monroe Doctrine" has returned to Latin America, many Latin American scholars also said that in the current environment, Monroe Doctrine has no room for survival and development. On the other hand, in the context of globalization, Latin American governments will also formulate foreign policies that are most in line with their own interests according to their own development needs.

  Members of the public: US sanctions aggravate economic difficulties

  At the same time, the Venezuelan people believe that on the one hand, the United States claims to be a true friend of Latin American countries, on the other hand, it constantly increases sanctions against Venezuela, in fact, it implements "double standards" in its foreign policy, and in order to achieve its own political goals, it does not hesitate to aggravate Venezuela’s domestic economic difficulties.

The announcement of the central bank’s regulation of Internet loan business has been released. In the past two months, the loan APP still has the promotion of "daily interest rate"

  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

The 36th Hundred Flowers Award announced the list of candidates. Come and vote!


Special feature of 1905 film network Hundred Flowers Award was founded in 1962 under the direct advocacy and care of Premier Zhou Enlai, and the national literary award approved by the Central Propaganda Department is also the oldest award in China’s film industry.


2022 is the 60th anniversary of the founding of Hundred Flowers Award. Sixty years ago, the first Hundred Flowers Award Prize Awarding Conference was held in the Auditorium of the Beijing Political Consultative Conference. Premier Zhou Enlai and Vice Premier Chen Yi were present to congratulate, which showed that the national leaders attached great importance to Hundred Flowers Award and the film industry.


Over the past 60 years, Hundred Flowers Award has been honed in the years and developed in the reform. What remains unchanged is its childlike heart that originated from and for the people. Hundred Flowers Award represents the voice of the overwhelming majority of the people, embodies the enthusiastic support of ordinary people for China films and their heartfelt love for outstanding actors, and plays an irreplaceable role in continuously narrowing the distance between the audience and China films and promoting the prosperity and development of China films.


In recent years, with the continuous development of China films, Hundred Flowers Award is also reforming and innovating with the times. This year, the Chinese Film Association will conscientiously do a good job in awarding the 36th Hundred Flowers Award in accordance with the newly revised "Hundred Flowers Award Charter", so that this "Flower God" trophy, which is full of enthusiastic expectations of the audience and persistent adherence of filmmakers, will bloom with new splendor.



1. Generation of candidate films


In accordance with the relevant provisions of the Articles of Association of Hundred Flowers Award, the scope of participating films is limited to domestic films that have obtained the Film Release Permit issued by the State Film Bureau, and the number of people watching movies has reached more than 1 million, and were released and shown in national urban cinemas during the current award period (February 1, 2020 to February 28, 2022).


According to the articles of association, the Chinese Film Association entrusted 100 managers of key cinemas under the China Film Distribution and Projection Association and the directors of the current Council of the Chinese Film Association to form the 36th Hundred Flowers Award Primary Selection Committee, and voted for the candidate films. After confirmation by the 36th Hundred Flowers Award Organizing Committee, 15 candidate films were produced in Hundred Flowers Award.


The list of candidates for the 36th Hundred Flowers Award Awards was released through the media today and submitted to the national movie audience for voting. Vote for the audience from now until July 10, 2022. After the audience voting stage, the voting results will be counted by the vote counting center designated by the Organizing Committee, and the nominees for the 36th Hundred Flowers Award Awards will be selected.


2. The voting method of the audience


This year, Hundred Flowers Award will conduct online registration voting. Viewers can vote on mobile phones and PCs by clicking on links or scanning QR codes and applets. At the same time, Hundred Flowers Award will take strict and effective technical measures to stop false and malicious acts of brushing tickets.


I believe that the expansion of online new media voting channels will greatly facilitate the voting of the audience and enhance the positive interaction between Hundred Flowers Award and the audience.


Voting, the generation of audience judges and the final attribution of each best award will be tracked and strictly supervised by the notary public. This year’s Hundred Flowers Award set up a supervision and examination committee to supervise the whole process of awards.


Voting time:


From June 10th to July 10th, 2022 at 24: 00.


Links to the website of the 36th Hundred Flowers Award Voting System:


http://pj.bh36.artnchina.com/#/


QR code of the 36th Hundred Flowers Award Voting System:


The 36th Hundred Flowers Award voting system applet:



Organizer:


China Federation of Literary and Art Circles China Film Association


Support unit:


China Federation of Literary and Art Circles Network Literature and Art Communication Center China Literature and Art Network