From popularity to low tide, what did the "P2P online loan" feast leave?

  Seeing such words as "high interest rate" and "high return", the public should be extra alert and raise their awareness of prevention. Evening News reporter Wei Chi Jianping photo

  At the end of August, Tianjin Public Security Peace Branch and Binhai New Area Branch successively issued announcements to investigate 11 online lending platforms suspected of illegally absorbing public deposits. So far, illegal online lending platforms in Tianjin have been basically cleaned up. As a hot industry, P2P (person-to-person loan) has attracted a lot of attention and funds since its birth. Many people invest in financial management on the platform, and many people also borrow money on the platform. Now most of the online lending platforms have been cleaned up, and only a very small part is still in operation. These platforms, which are still in operation, stated that they would "quit benign", that is, completely quit the online loan industry.

  Since June 2018, a large number of P2P platforms have experienced a redemption crisis. Some platform controllers have run away, and it is difficult for fund lenders (wealth managers) to get back the investment principal and interest. After investigation by local public security departments, these P2P platforms have violated the red line of "no fund pool" and are suspected of illegally absorbing public deposits.

  From the popularity of the past to the ebb tide of today, what has this industry brought to the society and left behind?

  Someone’s in jail

  September is the season of school. After three years in the workplace, Xiaolei (pseudonym) stepped into the campus again to study for graduate students. He graduated from an undergraduate college in this city three years ago, and made an appointment with his roommate to study for graduate students three years later. Now, his roommate friend has been detained for violating the criminal law. This student graduated and entered the P2P online loan industry.

  When Xiao Lei graduated, some students in the class wanted to take the civil service exam, while others wanted to enter the banking and securities industries. However, due to fierce competition, most of Xiaolei’s classmates failed to do so.

  At that time, the concept of internet finance was in full swing, and a large number of emerging financial companies appeared in the market. They recruited soldiers and promised high salaries to attract college students to join. Gang Lin (a pseudonym), a classmate of Xiaolei, was admitted to Tianjin from rural areas. His family was poor and he wanted to get a high income when he graduated. As it happens, a P2P online lending platform in Beijing recruited externally, and he applied successfully.

  A year later, Xiao Lei learned from his classmates that Gang Lin was "developed", with a monthly salary of more than 50,000 yuan, and had achieved the position of deputy director of marketing on this platform. At a class reunion, Gang Lin was in high spirits and told her classmates that she would be able to buy a house in Beijing in two months. This made the students very envious, and all the students felt that Gang Lin was really "turned over", and he was no longer the thrifty and wussy person at school.

  Xiaolei was not admitted to the civil service, but worked in the financial department of a private enterprise with a monthly salary of more than 6,000 yuan. He learned through some news that some P2P online lending platforms are not matching personal transactions at all, but publishing false targets, attracting investors with super high interest rates and putting investors’ money in their own controlled accounts. These platforms, which are engaged in fund pool business, are suspected of illegally absorbing public deposits, and their behavior is to be convicted and sentenced to jail.

  On a weekend, Xiao Lei found Gang Lin, and after asking questions, he carefully asked his classmates, is your platform compliant? Is the mark on it true? Gang Lin said casually that most platforms are fake, and what they do is to pool funds. Hearing this, Xiao Lei was shocked: "We all know the law, and this kind of behavior is punishable. Don’t you know?"

  Gang Lin pondered for a while, then slowly began to say that it was not easy for him to get a foothold in the city when he came out of the countryside. Plus going to college before, I spent more than 100 thousand yuan at home, and many of them were borrowed. Doing an ordinary job in the city of Beijing, after deducting rent and living expenses, there is little left, not to mention borrowing money from home. If you resign, you will lose a lot of income.

  Xiaolei was angry with his good friend Gang Lin’s explanation, but Gang Lin said that there are thousands of platforms all over the country doing this, and there is nothing wrong with it.

  Since June, 2018, Gang Lin’s platform has absorbed less and less funds, but has to pay more and more interest to customers in the early stage, which has gradually led to a financial crisis. The platform controller used to misappropriate customers’ funds, bought several properties in Beijing, Shanghai and Shenzhen, and quickly sold them. However, the market was not good and it was difficult to sell them. The company’s capital chain was completely broken, and some investors reported to the Beijing police.

  In November 2018, Gang Lin’s platform was put on file for investigation. Xiaolei tried to contact Gang Lin, but found that no one answered the phone and found Gang Lin’s family. Only then did she know that Gang Lin was criminally detained because he was an executive on this platform and mastered the flow of some funds.

  Xiaolei urged Gang Lin’s family to let Gang Lin tell the whereabouts of the funds as soon as possible, and actively compensate the investors, so as to get a reduced sentence. However, he found that Gang Lin’s family was not interested in paying back the money and had no hope of reducing the sentence. One of his relatives told Xiaolei that since 2018, the funds absorbed by Gang Lin through its subordinates have not been handed over to the platform, but many properties have been purchased in foreign countries in the name of others. "Now even if he is sentenced to a maximum of 10 years in prison, Gang Lin will be less than 35 years old after he is released from prison, which will not affect him to get married and have children abroad."

  Seeing this family doing this, Xiao Lei felt that they were really stubborn.

  Someone No Country for Old Men.

  According to a survey, the majority of people who invest in financial management on the Internet are middle-aged and elderly people. After more than 15 years of hard work, they have no pressure to mortgage and raise children, and they have some savings in their hands, so they are potential customers of high-interest financial management. As it happens, a large number of P2P online loan financing platforms have emerged on the Internet, which can provide three times higher interest than bank deposits, and let these middle-aged and elderly people fall into the trap.

  Wei Dong (pseudonym), a resident of Hedong District, is 48 years old. He was dismissed from a furniture factory two years ago and it is difficult to find a job. Through the Internet, he knows that some P2P online lending platforms can earn 12% to 15% annual interest by investing in them. This kind of return on investment is much higher than that of banks, and it pays interest on a monthly basis.

  With the attitude of giving it a try, he took out 200,000 yuan from his home for many years and transferred it to the financial platform through online banking. A month later, he received interest of nearly 3000 yuan. He thinks that if this continues, it will be equivalent to a stable job income. Besides, when I go out to find a job at my age, my income is similar to this interest.

  Wei Dong wants more in return. At that time, his parents left him a house of more than 50 square meters. He sold this small house and collected some money to buy a bigger house for his children as a wedding room. However, the child just started working and didn’t want to get married for a short time, so he rented out the house at a rent of 1800 yuan a month.

  In the market, his house is worth more than 1.3 million yuan. Wei Dong calculated that if this house is converted into cash and invested in the P2P online lending platform, it will receive interest of more than 10,000 yuan a month! So, he listed the house in the intermediary and sold it at a price lower than the market price of 100,000 yuan, and soon got 1.2 million yuan in cash.

  Wei Dong invested all 1.2 million yuan in cash in a certain platform, and recovered 15,000 yuan in interest in the first month, which was several times higher than the rental of the house. He was so excited that he couldn’t sleep. For four consecutive months, he received interest on time. He once felt that his old age was really happy.

  Wei Dong’s wife also knows about selling the house. However, the wife is more inclined to deposit a large deposit certificate in the bank or buy a fund for financial management, with an annual income of about 5%. Wei Dong’s wife said, what kind of business do these online platforms make so much money that they can give investors more than 12% interest? Are they better than banks? Wei Dong was speechless, just saying that his wife couldn’t keep up with the times.

  The good times didn’t last long. When he invested in the sixth month, Wei Dong didn’t receive the interest on time. He called the customer service number left by the website and no one answered. At the investor forum, it was revealed that this P2P online lending platform had a redemption crisis, the capital chain was broken, and the actual controller and several executives had run away. Wei Dong panicked and rushed to the city where the platform was located to find the company’s registered address. As a result, it was found that the company’s office was sealed up and the door was surrounded by investors from all over the country.

  Since then, Wei Dong has been bent on recovering the investment of 1.2 million yuan, and he no longer wants interest, just thinking that the principal can come back. In the rights exchange group, he learned that some people invested more than 5 million yuan in compensation for demolition, and some people, like him, sold their houses to invest.

  The family is completely chaotic, and my wife has no mind to dance square dance anymore. My son’s wedding room has no landing, and he dare not talk about the object. Wei Dong lost 15 pounds a month, and he dared not think about his old age in the future.

  "benign exit" becomes a common expectation

  On August 29th, Dai Mokang, the legal representative of Shanghai Zendai University, a well-known listed company, and others surrendered themselves to the police, claiming that there were illegal acts such as setting up a fund pool and misappropriating funds during the company’s operation, and it was no longer possible to pay them. The Shanghai police said in the circular that Zendai Company illegally absorbed deposits from unspecified public through its online wealth management platform (Shanghai Zendai Aite Financial Information Service Co., Ltd.), and the case is currently under further investigation.

  This is just a microcosm. At the heyday of P2P online lending platform, all kinds of business entities and capitals have entered this industry. According to incomplete statistics, in 2017, more than 40 listed companies in China set foot in P2P, and one listed company directly changed its name to "Pipaopi". However, the tide will eventually recede. By the end of August 2019, of the more than 6,900 P2P online lending platforms that once existed in China, more than 6,000 have closed down.

  In a few years, investors, platforms and lenders seemed to get together and enjoy an unprecedented feast, but in the end, every participant paid the bill. Many investors have lost their money and are the biggest victims. Some platform controllers and executives have been jailed with criminal records. Most of the netizens who borrowed money from the platform bear super-high interest rates, and now many of them are harassed by the collection calls of "routine loans".

  At the end of August, when attending the 2019 China International Intelligent Industry Expo, Ma Yun said that P2P was not Internet finance from the first day, but an illegal fund-raising product with a webpage.

  At present, there are more than 700 P2P online lending platforms, many of which declare that they "don’t run away", actively pay off investors, and finally quit. But in fact, many platforms have transferred funds, so promising to the public is only a plan to slow down the troops, and soon the actual controller will surrender or run away. Even if some platforms have the willingness to refund investors, the recovered funds may not be able to make up the hole, and investors can only recover part of the principal.

  Why did so many people rush into the P2P online lending platform? Xiao Lei was thinking. When he got together with his classmates to discuss Gang Lin’s case, he was puzzled by Gang Lin’s reluctance to actively refund the investors. Someone asked him, given 10 years, can you earn enough money to buy a house abroad? Xiao Lei said, I can’t. His classmates told him that’s right. Some people are willing to exchange 10 years’ imprisonment for 10 million yuan of assets. Even if you work hard, you can’t earn so much money. In this respect, people actually made a profit from this transaction.

  Hearing this, Xiao Lei seems to understand something.

  However, in the end, Gang Lin couldn’t stand the torture of conscience. He suddenly repented and decided to sell overseas properties and actively compensate investors in order to get leniency.

  Why do ordinary citizens always can’t stand the temptation of high-interest financial management and frequently become "takers" and "reapers", while those "game makers" and "reapers" face obviously insufficient punishment? These hidden problems are worth pondering. Similarly, college graduates blindly pursue high salaries when seeking jobs, ignoring whether the industries they are engaged in are legal and compliant, thus forming wrong values and wealth views, which is more worthy of attention. (Reporter Li Jisen)

Five New Insect Species Found in Wuyishan National Park

  Xinhua News Agency, Fuzhou, July 9 (Reporter Zhang Huaying) A few days ago, the reporter learned from the Wuyishan National Park Scientific Research Monitoring Center that during the background investigation of biological resources in Wuyishan National Park, researchers discovered five new insect species of the genus Euonymus, namely, Euonymus brevis, Euonymus versicolor, Euonymus versicolor and Euonymus versicolor. At present, relevant scientific research results have been published in the Journal of Insect Taxonomy.

  This is the morphological feature map of the short-protruding yellow hidden-shouldered bat. (Photo courtesy of Wuyishan National Park Scientific Research Monitoring Center)

  This is the figure of morphological characteristics of the yellow-shouldered bat. (Photo courtesy of Wuyishan National Park Scientific Research Monitoring Center)

  This is the morphological feature map of the yellow hidden-shouldered bat in Jiuquxi. (Photo courtesy of Wuyishan National Park Scientific Research Monitoring Center)

  This is the figure of the morphological characteristics of the square-protruding yellow-shouldered bat. (Photo courtesy of Wuyishan National Park Scientific Research Monitoring Center)

  This is the morphological feature map of the yellow-hidden-shouldered bat in Wuyishan. (Photo courtesy of Wuyishan National Park Scientific Research Monitoring Center)

  In April 2021, Wuyishan National Park Administration launched a three-year background survey of biological resources. More than 100 experts from many scientific research units and universities went to the field many times to comprehensively investigate the main ecosystems and biological groups of Wuyishan National Park. Up to now, 24 new species have been found in the survey. During the investigation, researchers collected a large number of insect samples, observed the morphological characteristics of adult samples through stereoscope and microscope, and identified them as new species by means of morphological taxonomy.

  Ma Fangzhou, an associate researcher at the Nanjing Institute of Environmental Sciences of the Ministry of Ecology and Environment, said that the yellow-shouldered dance insects are generally small in size, with the adult body length ranging from 1.8 mm to 2.8 mm, the male insect’s abdominal end is thick and the female insect is slender. Their larvae live under the ground cover, rocks or soil, and adults are terrestrial, mostly moving on the surface and ground of plants. Preying prey mainly includes psyllids, aphids, scale insects, mosquitoes, flies, mites and other important economic pests or health pests.

  Ma Fangzhou said that the new species of Rhopalosiphum discovered this time plays an important role in clarifying the insect resources of Rhopalosiphum, and at the same time, it is of great significance in the comprehensive management of pests by biological control and the study of indicator organisms for biodiversity and environmental assessment.

Experts in the process of heavy air pollution in Beijing, Tianjin and Hebei interpret the causes of pollution

  China Network November 13th According to the official Weibo news of the Ministry of Ecology and Environment, according to the latest forecast results of China National Environmental Monitoring Center, from November 13th to 15th, Beijing-Tianjin-Hebei and its surrounding areas and Fenwei Plain will be affected by unfavorable meteorological conditions, and a heavy air pollution process will occur. The National Joint Center for Prevention and Control of Air Pollution organized expert consultation in time, and invited Chai Fahe, the chief scientist of atmospheric environment of china environmental science Research Institute, to interpret the sources and causes of this pollution process.

  I. General situation

  Since November 12th, the meteorological conditions in Beijing-Tianjin-Hebei and its surrounding areas and Fenwei Plain have gradually deteriorated, and pollutants have accumulated slowly. At 0: 00 on the 12th, the concentration of PM2.5 in Anyang first reached hourly heavy pollution, and then the concentration of PM2.5 in Zhengzhou, Xinxiang, Xingtai and other cities reached hourly heavy pollution, and gradually developed northward. As of 22: 00 on the 12th, the highest hourly concentration of PM2.5 in the area was 206 μ g/m3, which appeared in Kaifeng (19: 00 on the 12th). The maximum hourly concentration of PM2.5 in Beijing reached 150 μ g/m3 (at 21: 00 on the 12th).

  According to the latest forecast results of China National Environmental Monitoring Center, from November 13th to 15th, Beijing-Tianjin-Hebei and its surrounding areas and Fenwei Plain will be affected by unfavorable meteorological conditions, and the air quality of some cities in Beijing, Tianjin, central and southern Hebei Province, eastern and southern Shanxi Province, western Shandong Province, northern Henan Province and Guanzhong area will reach serious pollution for two to three consecutive days, and some cities may have serious pollution. Beijing’s air quality was dominated by moderate to heavy pollution on the 13th, and it may reach heavy pollution on the 14th, and it may maintain heavy pollution on the morning of the 15th, and it is expected to improve around noon.

  Second, the cause analysis

  1. Meteorological conditions

  From the 12th, the near-surface of Beijing-Tianjin-Hebei and its surrounding areas turned to weak southerly winds, and the nighttime wind speed decreased, the humidity increased, and the atmospheric diffusion conditions deteriorated. In most cities, static stability, high humidity and inversion occurred, and pollutants gradually accumulated. Meteorological departments in various places have issued fog warnings respectively. On the night of the 12th, Beijing was affected by the superposition of the inversion temperature in the middle atmosphere and the high humidity near the ground, which was beneficial to the rapid transformation and moisture absorption growth of secondary particles and pushed up the concentration of PM2.5.

  2. Pollution discharge

  At present, the emission of air pollutants in the industrial and transportation fields is still at a high level, and the amount of various types of construction is extensive, and the control of dust is still not in place. At the same time, the northern region has entered the early winter season, the weather is getting colder, the urban built-up areas have started heating in winter, and rural areas have also started self-heating. The regional pollutant emissions have increased, and the air pollutant emissions have entered the highest season of the year.

  Third, early warning and emergency response

  In response to the pollution process from the 13th to 15th, the Ministry of Ecology and Environment has sent letters to the people’s governments of Beijing, Tianjin, Hebei, Shanxi, Shandong, Henan and Shaanxi provinces (cities), suggesting that all localities should start early warning of heavy pollution weather at corresponding levels according to the local air quality forecast and take emission reduction measures in advance to effectively reduce the impact of heavy pollution weather. As of 8: 00 on the 13th, 25 cities in the above-mentioned provinces and cities issued early warnings, 8 cities in Hebei Province and 6 cities in Henan Province issued orange warnings, and started Class II emergency response measures; Eleven other cities issued yellow warnings and launched Class III emergency response measures, including Beijing at 8: 00 on the 13th and Tianjin at 12: 00 on the 13th.

  According to the preliminary calculation, the emergency emission reduction measures taken for this heavy pollution process have reduced the emission of primary particulate matter, SO2, NOx, VOCs and other pollutants by about 10%-15%.

  Fourth, forecast and forecast

  According to the latest air quality forecast results of China National Environmental Monitoring Center in consultation with provincial monitoring centers in Beijing, Tianjin and Hebei and surrounding areas, around noon on November 15, the regional pollution process was slowly reduced due to the influence of cold air, and the pollution zone moved slowly to the south as a whole. The central area of Beijing, Tianjin and Hebei improved, and the southern part of Beijing, Tianjin and Hebei, the western part of Shandong and the northern part of Henan may maintain heavy pollution due to pollution transmission. It is expected that the pollution process will end on November 16.

  From November 16 to 18, due to the continuous influence of cold air, the diffusion conditions are favorable, and most areas in the region are mainly excellent, and some areas may be slightly polluted.

  It is estimated that the air quality in Beijing will improve around noon on November 15th, with good to light pollution as the main pollution throughout the day and excellent pollution from 16th to 18th.

Dry goods | Cross-border e-commerce VS differences in domestic e-commerce Operational articles

Dry goods | Cross-border e-commerce VS differences in domestic e-commerce Operational articles

Many companies that have made a fortune on e-commerce platforms have found that,The "record high" of platform data is actually the unprofitable prosperity of losing money and earning money..

The domestic competition is too fierce, and more people choose to swing the rudder.Sail the ship overseas.As a novice, when I first came into contact with the world of flowers and flowers abroad, did I have the feeling of going into the misty forest and longing for the guidance of the gods?

Today, this dry goods is dedicated to the bosses who entered the cross-border e-commerce. I hope all the bosses.Take fewer detours, jump less pits, and win a good start in one fell swoop.!

Selection method

Domestic selection

Havedirectionality, usually for customersRefined operational stratificationAccurate selection of products through activities.

Cross-border selection

Biased considerationSmall size, light weight, simple function and few after-sales problems.Products.

Before 2016, cross-border e-commerce products were basically from a domestic treasure or a Baba platform.

Now it’s even more challenging.Tap new market demand, control product quality and brand positioningAnd other factors, throughDeep positioning customer baseTo match related products.

one

Selection dimension

What do customers need?

Used in that scene

What is the purchasing power of the crowd?

Can the product bring high repurchase?

2

Product selection channel

You can go through seven channels, such asThird-party platform, social media, independent station, domestic channel, IP channel, SPY tool selection, American crowdfunding networkWait, finding good goods is the process of finding wealth ~

Stocking mode

Domestic e-commerce

Usually.Self-built factoryorLink factory channel, domestic warehouse stock delivery.

cross-border electricity commerce

There are many ways to stock up, and whether to stock up mainly depends on the operation mode, mainly includingDrop-shipping, mass distribution, boutique shopsThree kinds.

one

Drop-shipping mode

Also known as "one generation", merchants will haveStable supply chainchannelAnd the supplier helps it to ship overseas, without stocking, justAlways master the supply and inventory..

2

Spread goods in large quantities

That is, in the 1688 large-scale supply chain platform to find suitable products to place orders and be delivered by merchants.

three

Boutique shop

Large merchants usually build their own domestic warehouses or overseas warehouses, which need to be carried out because the products are branded or customized.Stock up in large quantities, the stocking volume is the average monthly sales.1.5 times.

The way they operate

Domestic e-commerce

bothThe underlying operational logic is different..

Domestic e-commerce focuses onStore operationMarketing promotion and brushing account for a large proportion.

The most remarkable feature is the marketing sense of "if you don’t buy, you will miss a hundred million" on its page.

cross-border electricity commerce

Focus on cross-border e-commerceBrand operationPay more attention to product quality and user experience (of course, it is also brushed abroad, but it is not so crazy).

Foreign e-commerce pages are mostly minimalist with pure white background.

Cross-border e-commerce is divided into third-party platforms and independent stations, and their operating skills and methods are quite different.

one

Third-party platform operation

Its operational core will change according to platform algorithm ranking, traffic, customer experience and performance management.

Platform algorithm determines the ranking of products.The ranking of products that meet the requirements of the algorithm will rise.

At the same time,The higher the ranking, the greater the product flow., generallyThe better the transformation effect is.This is consistent with the logic of domestic e-commerce, and the acquisition of platform public domain traffic is becoming more and more expensive.

2

Independent station operation

In addition to selecting products for independent station operation,Drainage is very important.

Generally speaking, a "mom-and-pop shop" needs itself.Master the core drainage skills of Facebook and Google.But now SaaS products are becoming more and more intelligent, and product selection and drainage can be solved through products.

mode of payment

Domestic e-commerce

The development of domestic e-commerce is very mature. Both Alipay and WeChat can be bound to credit card payment, and the process is relatively simple.

cross-border electricity commerce

Cross-border e-commerce payment involves cross-border capital flow. Whether it is PayPal, World First, Ocean payment, 2checkout, Stripe and other payment operators, the process needs to be divided intoreceive and payandsettle a foreign exchange accountTwo steps.

Third party platformandIndependent stationThe collection methods are also different.

one

Third party platform

The collection method is relatively simple, justFor payment operators with compliance operation licenses(such as PayPal, WF, Payoneer, Lianlian, Pingpong, etc.)As a collection and settlement tool and withdraw it to the company’s corporate account.Just do it.

2

Independent station

The payment method is similar to the above, but the independent station is built by the seller himself, so the collection will beConsider the mainstream payment methods of store customers.To set up.

Generally speaking, North American customers often use PayPal, while European customers are more accustomed to using credit cards, so you can set up foreign card acquiring tools such as Stripe, 2checkout, Ocean payment, Asiabill, etc.

Logistics mode

Domestic logistics

Domestic e-commerce logistics is in an oligopoly state, basicallyShunfeng+santong Yida.

Cross-border logistics

Cross-border e-commerce logistics is divided intoTouchengandTail course, methods and logistics partners have a wider choice, and according to the different national sites, they haveterritoriality.

Cross-border logistics types are mainly divided into:Self-delivery, overseas warehouse, third-party platform warehouse (such as Amazon FBA distribution).

Either way, it mainly depends on three factors: timeliness, cost and comprehensive customer experience.

one

Self-delivery

Most of them are concentrated as followsSmall package delivery, most of the channels used are China postal system or special line packets in a certain area.

2

Overseas warehouse

Mainly throughForecast the sales volume of the target marketandPrepare products to overseas warehouses in advance.(warehouses are generally provided by cooperative logistics providers), and can be provided after the store issues the order.Deliver goods from overseas warehouse to customer address., improve the timeliness.

three

Third-party platform warehouse

Prepare the products in advance toThird-party platform warehouseAfter the store issues the order,The third-party platform undertakes parcel delivery..

Collection cycle

Domestic e-commerce

Such as a treasure, the general account period is from the customer’s signing date.T+7God.

cross-border electricity commerce

Whether it is a platform or an independent station, the payment cycle is much longer than that in China.

one

Payment cycle of third-party platform

For example, Amazon’s delivery+payment time is generally30-45 daysSpecial circumstances will even be extended to60 daysIn the process, it may also involve customer complaints, returns and other issues.

2

Independent station payment cycle

It involves logistics delivery, arrival confirmation, risk control evaluation of collection platform accounts and cash withdrawal cycle. Therefore, the payment time cannot be generalized.

If it is a new PayPal account registered by a new seller, the risk control lending time may be extended, and the general extension time is21 daysAfter thawing, the time for applying for cash withdrawal and receiving the account isT+7 days.

The duration of the credit card payment part is longer, andDepends on the seller’s risk control levelGenerally, when there is no customer complaint or non-payment, the time after lending isT+15 days.

customer service

Domestic e-commerce

Whether it is a platform or a WeChat social e-commerce, the most basic requirements for customer service areConsultation second return.

cross-border electricity commerce

The main responsibility of cross-border e-commerce customer service is to maintain the account, and the questions raised by customers only need to beEmail reply within 24 hoursJust do it.

The difference in operation mode determinesBusiness model after starting a business.

In this part, cross-border e-commerce and domestic e-commerce put forward different requirements for the ability of entrepreneurial teams.

What kind of ability does your team have more? Or do you prefer to build a team with what ability?

(Source: Cross-border old guns)

The above content belongs to the author’s personal opinion and does not represent Hugo’s cross-border position! This article is reproduced with the authorization of the original author, and it needs the authorization and consent of the original author.

Do you know the origin and customs of the Dragon Boat Festival?

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-DRAGON BOAT FESTIVAL-

Dragon boat festival

middle

country

pass

unite

festival

sun

The Dragon Boat Festival is in mid-summer, and it grows longer when it is clear.

Summer colors lean on green wormwood, and the dumplings are fragrant and fragrant.

Reading all over the world, "Zongzi" loves lakes and mountains.

Boating in the mountains and seas, zongqing is natural.

Zongye Piaoxiang May 5

Deep affection for the Dragon Boat Festival and common well-being

Dragon Boat Festival Ankang by Banzhou Lake

-DRAGON BOAT FESTIVAL

The origin of the Dragon Boat Festival

"The Dragon Boat Festival originated from the totem sacrifice held by the tribes who worshipped the dragon totem in ancient times. It was a festival founded by the ancestors to worship the dragon ancestors and pray for evil spirits. During the Warring States Period, the patriotic poet Qu Yuan threw himself into the Miluo River with a boulder on the Dragon Boat Festival, so later generations also took the Dragon Boat Festival as a festival to commemorate Qu Yuan."

Dragon boat festival custom

First, dragon boat race

Dragon boat race is the main custom of Dragon Boat Festival. According to legend, in ancient times, Chu people were reluctant to let Qu Yuan, a sage, die in the river. Many people rowed boats to catch up with the rescue, and then rowed dragon boats every May 5 to commemorate Qu Yuan.

Nowadays, dragon boat race has become one of the most important folk activities in China Dragon Boat Festival. Dragon boat rowing has a long history. It is a traditional folk water sports and entertainment project in China since ancient times. It is mostly held on festive festivals and is a multi-person collective rowing competition.

Second, eat zongzi

Legend has it that after Qu Yuan’s death, people put rice in bamboo tubes and threw it into the river in order not to damage his body. From then on, in order to show respect and memory for Qu Yuan, on this day, people put rice in bamboo tubes and threw it into the river to pay homage. This is the origin of the earliest zongzi "tube zongzi" in China.

Eating zongzi at the Dragon Boat Festival is a traditional custom of the Chinese nation since ancient times. It has a long history and various patterns. Zongzi was originally used to worship ancestors and gods. The custom of eating zongzi on the Dragon Boat Festival is popular in China, and spread to Korea, Japan and Southeast Asian countries.

Third, hang sachets

Dragon Boat Festival sachets, also known as sachets, sachets, purses, etc., are made of five-color silk thread and filled with Chinese herbal medicines and spices. Its manufacturing process has become a national intangible cultural heritage. Now it has become a unique folk art of the Dragon Boat Festival.

Fourth, tie colorful ropes

On the Dragon Boat Festival, when children wake up, their wrists and ankles have been tied with "five-colored ropes" woven with colorful silk threads. Adults say that if they are tied, they will not be invaded by all diseases. After the first rain after the Dragon Boat Festival, cut off the five-color rope and let the rain wash away, and the disaster will be taken away with it.

With regard to the five-color line, the customs in different places are similar. Some of them are tied with five-color silk, or hung at the door, or worn by children’s necks, or tied by children’s arms, or hung in bed curtains, cradles, etc., which is said to avoid disasters, protect health and prolong life.

Five, hanging mugwort leaves

A folk proverb says, "Willows are inserted in Qingming Festival, and Ai is inserted in Dragon Boat Festival". People think that May is a poisonous month, and the fifth day is a poisonous day. Every May, it is the time when Artemisia argyi is mature and has the best medicinal properties, so people have to pick Artemisia argyi in the wild during the Dragon Boat Festival. Acorus calamus and Artemisia argyi leaves are hung in front of the door and eaves to prevent plague and avoid disaster, and hung on the door and bedside to avoid evil spirits.

Six, eat duck eggs

In addition to commemorating Qu Yuan, the Dragon Boat Festival is to avoid five poisons, namely snakes, centipedes, spiders, geckos and scorpions. People use five kinds of red dishes to symbolize the blood of the five poisons. When eating these dishes, they are roast duck, amaranth, duck eggs with red oil, lobster and realgar wine. Therefore, eating duck eggs on the Dragon Boat Festival has a certain color to ward off evil spirits. From a scientific point of view, eating duck eggs is to preserve health and dispel summer heat.

Seven, drink realgar wine

It is said that drinking realgar wine can ward off the five poisons. The custom of drinking Pu wine and realgar wine has been circulating for a long time. After soaking in wine, people use Acorus calamus and Aipeng to dip in the corners of walls, doors and windows, under the bed, etc., and then use wine to coat the ears, nose and navel of children to ward off poisonous insects. From the health point of view, realgar can be disinfected by adding water and wine indoors, and drinking Pu wine is also quite beneficial.

Original title: "Do you know the origin and customs of the Dragon Boat Festival? 》

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Daishan, CEO of Taotian Group: Co-branded merchants, deepening the China market.

  At the press conference of 2023 Tmall in double 11 held on October 20th, Daishan, CEO of Taotian Group, said that the scale of online consumption will be further expanded in the future, and Taobao Tmall will move from thousands of people to hundreds of millions of people, better matching the needs of each consumer, allowing businesses willing to create consumer value to grow up, leading consumption together, and deepening the China market.

  Dai Shan believes that there is still a lot of room for growth in the domestic big market, huge room for upgrading the domestic manufacturing capacity, and sufficient consumer demand, which determines that the China market is still strong and the growth potential is more certain. Taobao Tmall will firmly deepen the China market and join hands with brand merchants to provide consumers with better product value and consumption experience.

  The reporter learned from the meeting that in 2023, Tmall double 11 will be officially opened at 8: 00 pm on October 24, and it is expected that 1 billion consumers will participate, and over 80 million hot-selling goods will achieve the lowest price in the whole year. The much-anticipated "Cat Night" will also return, and the festive atmosphere will be stronger than in previous years.

  Bosideng, Bee Flower, Laoganma, Tianfu Coke and other well-known domestic brands have already prepared the goods of Tmall double 11, ready for the biggest business growth in a year. Tmall not only relaxed the restrictions on the number of products registered by new brands and small and medium-sized businesses for the first time, but also increased the subsidies and incentives of real money. This year, it will also be the double 11 with the largest participation of new brands, new businesses and small and medium-sized businesses.

  In response to the demands of consumers and businesses, this year Tmall double 11 has further simplified its gameplay, increased its official subsidies, and increased public welfare entrances such as "shopping for convenience", thus truly becoming a simpler, more affordable, happier and warmer double 11.

  In order to make consumers buy more cheaply and better, this year, on the basis of the previous cross-store full reduction, Tmall double 11 launched a large-scale official direct reduction and vertical reduction, and invested the largest official red envelopes and coupons in history. Consumers can buy more favorable products and enjoy the service of "low price on the whole network" and "official reduction".

  For consumers who like to buy furniture, home appliances and other big items in double 11, Tmall double 11 will provide 88VIP coupons to help consumers save money by buying big items. For users who like live shopping, this year Taobao Live will take the lead in sending a 1 billion yuan red envelope in the live broadcast room, and the minimum discount for a limited time will drop, bringing consumers a double 11 full of surprises.

  In order to enable businesses to achieve business explosion in double 11’s consumption season, Taobao Tmall focuses on supporting businesses to do comprehensive optimization in terms of users, goods, content and services, so that user growth can become the engine of business growth for businesses, and businesses can have business not only during the peak consumption period in double 11, but also in daily life.

  This year, Tmall double 11 will be the double 11 with the largest participation of new brands, new businesses and small and medium-sized businesses. To this end, not only did the restrictions on the number of products registered by new brands and small and medium-sized businesses be relaxed for the first time, but also the subsidies and incentives of real money were increased. During the period of double 11, new businesses will have the opportunity to receive a large promotion subsidy of 19,500 yuan, while new brands can enjoy measures such as category expansion, custody services, freight insurance subsidies, financial rights and interests support, etc., thus reducing the pressure on funds and stocking, and bringing businesses a better double 11.

  Domestic brands such as Bosideng, Brewmaster. com, Bee Flower, Laoganma and Tianfu Coke have long felt the enthusiasm of consumers to participate in double 11. Brewmaster. com and Tmall jointly built the "Brewmaster Liangge" live broadcast room, which achieved a breakthrough from 0 to 100 million in three months. From "cooking tea around the stove" to "cooking wine with green plums", from China ingredients to Chinese nourishment, from Hanfu to horse-faced skirts, young people who love traditional culture will drive a new round of explosion and growth of domestic products in double 11.

  Since the beginning of this year, Taobao Tmall has intensively introduced business support measures to simplify the store opening process, cancel the store opening deposit, increase the traffic promotion subsidy, logistics delivery subsidy, optimize the business environment, and help small and medium-sized businesses, especially small and micro enterprises, to start businesses better. In this double 11, Taobao Tmall will also launch 10 free AI tools for merchants to help them operate digitally, and enhance the consumer experience through the AI intelligent assistant "Taobao Ask".

  The data shows that in the third quarter of this year, the number of new brands entering Tmall reached a new high, up 105% year-on-year, of which 42% were self-owned brands founded by factories in China manufacturing industry belt; Among the new merchants who settled in Taobao, after 00, the proportion exceeded 90 for the first time, and Taobao became the preferred platform for young people to start businesses.

  At the same time, the income index of small and medium-sized businesses on Taobao rose for two consecutive quarters, and the business situation continued to improve.

  This year, Tmall double 11 is also a warmer double 11. More goods have been added to the "charity baby". When consumers place an order for these goods, the backstage will automatically donate to the charity project according to the donation amount set by the merchants. During the period of double 11, Taobao will also upgrade the "buy one thing conveniently" to "buy one thing conveniently" for the first time, so that more goods of public welfare treasures, agricultural products and disabled shops can be seen by consumers and they can place orders conveniently. At the same time, consumers will be encouraged to share public welfare projects, so that goodwill can be seen and passed on by more people.

  During the period of double 11, it coincides with the Double Ninth Festival. After giving 50,000 elderly people nationwide yellow handrails last year, Tmall double 11 will also launch the "Yellow Handrails 2.0 Plan" this year, and jointly donate home cameras to the society to provide a real-time care for empty nesters and elderly people living alone. Taobao will also join hands with the China Foundation for the Development of the Cause for the Aged to jointly launch the "Old Baby on the New" public welfare program, and put up teaching videos on Taobao on skills such as knitting, flower arranging skills and raising pigeons to pay attention to the spiritual life of the elderly.

  "We always believe that technology creates new businesses." Dai Shan said that Taobao Tmall will unite with all brands and businesses with R&D, design, manufacturing and excellent brand power, continue to make long-term investment in brands, new products and users, and contribute to helping the elderly, farmers and the disabled, encouraging and conveying the happiness of helping others.

Consumption refers to Bona Film, stabilizing the production rhythm.

(Original title: Consumption refers to Bona Film, stabilizing the production rhythm)

21st century business herald reporter He Hongyuan and Chen Sha reported. 

Bona Film has a relatively clear production plan.

According to the minutes of institutional exchange disclosed on May 31st, the company revealed that in the next three years, Bona Film will form a stable creative production pattern of "three blockbusters, three small films and three dramas".

Specifically, that is, the three blockbusters controlled by the main investment are stably launched every year, and they are engaged in the Spring Festival, summer vacation and National Day; Three small and medium-sized films to meet the schedule of small holidays and weekends; And three episodes a year.

"By the end of 2026, the company plans to supply more than 18 films for the film market and more than 9 dramas for the drama market." Bona Film said.

The background of such a plan is that the company is in a loss range.

In 2022, Bona Film’s revenue was 2.012 billion yuan, a year-on-year decrease of 35.6%; The net loss was 72 million yuan. In the first quarter, the company’s revenue was 524 million yuan, a year-on-year decrease of 59.4%; The net loss was 108 million yuan.

The reasons behind it are related to the market environment. In 2022, Bona released a total of five films, of which three were the main films, and the cumulative box office of Watergate Bridge of Changjin Lake exceeded 4 billion yuan, making it the box office champion in 2022. However, the cinema business was affected by the epidemic and closed for a long time, resulting in a certain degree of loss. 

With the recovery of the market, Bona entered the expansion range, and it believed that the advantage was still in the production capacity.

"We will continue to innovate and explore in the field of main melody commercial blockbusters, and continue to focus on realistic themes and adaptation of real events; At the same time, we will also pay attention to the expression of genre films. We will strive to create warm realism and classic diversified films to enrich the theme of film works. " Bona Film said. 

For Bona, after listing, survival is no longer a problem. However, how to prove its long-term value to investors needs to be observed, especially when the market is still fluctuating.

On May 31st, Bona Film closed at 9.04 yuan, a decrease of 0.22%.

On the same day, the Shanghai Consumer 80 Index closed at 5268.13 points, down 1.69%.

agriculture

Ministry of Agriculture and Rural Affairs: The average price of pork in the national agricultural products wholesale market dropped by 0.2% compared with the 30th.

According to the monitoring of the Ministry of Agriculture and Rural Affairs, on May 31st, the "200 Index of Agricultural Products Wholesale Price" was 122.18, up 0.09 points from the 30th, and the wholesale price index of "vegetable basket" products was 122.88, up 0.10 points from the 30th. As of 14:00 on the 31st, the average price of pork in the national agricultural products wholesale market was 19.26 yuan/kg, down 0.2% from the 30th.

Food and beverage

Xi Gang, Chairman of New Hope Dairy: Asahi Weipin is expected to reach the scale of 1 billion in 2023.

On May 31, Xi Gang, Chairman of New Hope Dairy, disclosed at the New Hope 2023 Investor Conference that Asahi Weipin, a high-end dairy brand of New Dairy, is expected to reach 1 billion this year. At the investor conference, the relevant staff of Asahi Weipin said that the product has a very large usage in chain and independent coffee shops in Shanghai. With the further rise of the coffee market, the growth of Asahi Weipin exceeded expectations. In addition, the yogurt drink chain brand "A Yogurt Cow" invested by New Hope Dairy in 2021 was under great pressure during the epidemic, but basically maintained the balance of opening and closing stores. In the first quarter of this year, the market of this brand has recovered rapidly. At present, there are more than 1,000 stores for a yogurt cow.

LU ZHOU LAO JIAO CO.,LTD patent can prepare powdered liquor.

On May 30th, China Patent Announcement Network showed that the patents of "Luzhou-flavor powdered liquor and its preparation method" applied by LU ZHOU LAO JIAO CO.,LTD Co., Ltd. and LU ZHOU LAO JIAO CO.,LTD Brewing Co., Ltd. were announced. The invention belongs to the field of alcoholic products, aiming at the problem that the existing liquid liquor is not conducive to storage and transportation, the invention provides a preparation method of Luzhou-flavor powder liquor on the premise of not affecting the taste and fragrance of Luzhou-flavor liquor, which includes the following steps: dissolving DP8 12 dextrin in Luzhou-flavor liquor to form microcapsule prefabricated liquid, then spray freeze-drying to obtain microcapsule particles, and vacuum drying. By control that temperature and vacuum environment during the dissolution of microcapsule wall material and the drying process of microcapsule particles, the invention effectively reserve the typical flavor of Luzhou-flavor liquor while microencapsulating Luzhou-flavor liquor, and improves the storage and transportation efficiency of Luzhou-flavor liquor.

Wuliangye: Carry out the brand communication project of "Harmony Ceremony" of Central Radio and Television General Station.

On May 30, Wuliangye announced that it would cooperate with the Central Radio and Television General Station in the project of "Powerful Country Brand" in 2023, "Spring Festival Gala in 2024" and the exclusive interactive partner project of Wonderful Gift, with a total cost of 630 million yuan; Carry out the brand image upgrade of the fifth-generation specialty store, with a total biennial cost of 200 million.

Jiahe Food: The company’s estimated revenue in 2023 is between 15% and 35%.

Recently, Jiahe Food said in an investigation that according to the actual operation and results of the company in 2022, under the premise of fully considering the basic assumptions without major changes, combined with the company’s realistic foundation, operating capacity and annual business plan, the company expects the revenue end to be between 15% and 35% and the profit end to be between 20% and 40% in 2023.

food and beverage

Cuddy Coffee opens its 3000th store.

On May 30th, according to the official news of Kudi Coffee, the 3,000th store of Kudi Coffee opened in the third phase of Beijing International Trade Center.

Shangchao convenience

Carrefour is informed that it will lay off nearly 1,000 people at its headquarters in France.

On May 30th, according to media reports, people familiar with the matter said that Carrefour would abolish nearly 1,000 jobs in its French headquarters. According to the insider, Carrefour will lay off employees on the basis of non-mandatory resignation, and plans to start negotiations with employee representatives in the next few days. Carrefour announced a cost-saving plan of 4 billion euros in November last year, involving layoffs in "high-cost European offices".

Dianshang retail

The on-site meeting of the national cross-border e-commerce comprehensive test area was held in Hangzhou.

On May 31, according to the website of the Ministry of Commerce, on May 30-31, the on-site meeting of the national cross-border e-commerce comprehensive test area was held in Hangzhou, Zhejiang Province. The meeting requested that all localities should seize the development opportunities of cross-border e-commerce in China, solidly promote the construction of the comprehensive test area, and create a new highland for foreign trade innovation and development. It is necessary to promote the digital application of trade and improve the level of customs clearance facilitation; Combing mature experiences and practices and holding special training; Accelerate the construction of new foreign trade infrastructure and build a cross-border logistics network; Optimize the function of online service platform and explore new modes of financial services; Actively explore emerging markets and strengthen international exchanges and cooperation.

Express logistics

Rookie: Taobao Tmall 618′ s main pre-sale packages will be completed in half a day.

On May 31st, according to The Paper news, at 8 pm on May 31st, 2023 Taobao Tmall 618 was officially launched. The rookie announced on May 31 that the pre-sale order night party will be launched in Beijing, Shanghai and Guangzhou at 8 o’clock that night. Consumers will pay the final payment at Taobao Tmall, and the courier will deliver it overnight. The main pre-sale parcels will be delivered in half a day.

cultural recreation

Tik Tok Group responded to the rumor that "ByteDance is acquiring an old payment company to pay quickly": the news is not true.

On May 31st, according to china securities journal news, it was reported on the Internet that "ByteDance is buying an old payment company for quick payment, and the transaction amount is 1 billion. Since then, in addition to online business, Byte will soon obtain the national operation right of offline bank card acquiring license. " In this regard, the relevant person of Tik Tok Group responded: "The news is not true, and it is only a preliminary contact." Regarding the sale of quick money by Wanda Group, people close to Wanda Group responded: "It is not convenient to respond at present."

TikTok CEO Zhou is funded to take charge of Lemon8, a cutting-edge application of Byte.

On May 30th, according to media reports, people familiar with the matter said that TikTok CEO Zhou’s funded authority was expanded and he would take charge of Lemon8, a content sharing platform owned by ByteDance. According to informed sources, Chen Ying, the head of Lemon8, is currently in Shanghai and reports to Zhu Jun, a senior executive in ByteDance. She is preparing to move to Singapore and report to Zhou. In addition, Cao Zhen, the head of ByteDance’s overseas music product Resso, is now in Singapore, reporting to Zhou Zi. Lemon8 was launched in Japan in March 2020, and soon expanded to Southeast Asian countries such as Thailand and Singapore, and was launched in the United States in February this year. According to the data of data.ai, an analysis company, as of April 9 this year, the number of downloads of Lemon8 in the United States reached 290,000, most of which occurred in late March. The App once entered the top ten of the popular list of the App Store in the United States, and reached the top of the lifestyle app partition.

Tik Tok Group set up a huge engine new company in Lanzhou.

On May 29th, the national enterprise credit information publicity system showed that Lanzhou Huge Engine Information Technology Co., Ltd. was established with a registered capital of RMB 1 million, and its legal representative is Wang Li, whose business scope includes Internet data services. Advertising; Information consulting service; Technical services; Technology development, etc. The company is wholly owned by Hainan Giant Engine Technology Co., Ltd., which is a wholly-owned subsidiary of Tik Tok Group (HK) Co., Ltd.

Superstar Legend plans to sell 126.6 million shares.

On May 31, Superstar Legend announced on the Hong Kong Stock Exchange that it plans to sell 126.6 million shares worldwide, including 78.6 million new shares and 48 million sales shares. The issue price range is HK$ 5.50-6.30 per share, and the shares will be listed from May 31 to June 5, 2023. It is expected that the shares will be listed on June 13. The company expects that the total net proceeds from global sales will be about HK$ 370 million, of which about HK$ 27.8 million will be used for research and development of food and drinks, especially health management or low-carbohydrate food and drinks. In addition, two cornerstone investors have agreed to subscribe for shares worth $18 million. The legendary business of superstar is deeply bound to Jay Chou, Jay Chou’s mother Ye Huimei is the controlling shareholder and founder of the company, and vincent fang is the company’s chief cultural officer.

Tencent Music applied for "Wen Qu Big Model" series trademarks.

On May 31st, according to the news of Shanghai Stock Exchange, according to Tianyancha App, Tencent Music Entertainment Technology (Shenzhen) Co., Ltd. recently applied for registration of several trademarks such as "Wen Qu Model", "Wen Qu Tianqin", "Wen Qu Teana", "Wenqu Xinyun" and "Wenqu Baina". The international classification is advertising sales, education and entertainment, scientific instruments and so on, and the current trademark status is under application. It is reported that Tencent Music has taken the lead in setting up a technical research team such as Tianqin Lab several years ago, and is continuing to promote AIGC innovations in multiple dimensions such as text, images, audio and video. On May 24th, Tencent Music Tianqin Lab officially released three accelerated versions of open source big models, which can help technical practitioners and researchers save time and cost at the B end and promote the application of AIGC industry.

Three employees of HYBE Company used undisclosed information in BTS to sell shares and were sent for inspection.

On May 31st, according to media reports, three employees of Korean brokerage giant HYBE were sent for inspection for using undisclosed information to sell their company shares before the news that BTS (BTS) suspended team activities was disclosed. The special judicial police of the capital market of the Korea Financial Supervisory Authority said on the 31st that the special judicial police investigated the above situation under the command of the South District Prosecutor’s Office of Seoul and handed over the above three people to the prosecution on suspicion of violating the Capital Market Law and suggested prosecution. According to the police, the employees involved are responsible for the idol group business in the company’s brand. They knew in advance that bulletproof would suspend team activities and sold their shares before the information was made public.

Amazon reminds Kindle China e-bookstore to stop operating on June 30.

On May 31st, according to the notice of Amazon Kindle service number, Amazon announced last year that it would stop the operation of Kindle e-bookstore in China from June 30th, 2023, and you can’t buy new e-books after that. For the purchased e-books, you can download them before June 30, 2024, and you can continue reading after that.

culture and tourism

Shanghai Disneyland: Campers are prohibited from entering the whole park and indoor places in the town from June 30.

On May 31st, Shanghai Disney Resort released an official micro-message that Shanghai Disney Resort will implement new regulations on vehicles and vehicles from June 30th. Among them, campers are prohibited from entering the whole park and indoor places in the town from June 30.

Monthly results inventory of the 4th Shanghai "May 5th Shopping Festival": the average daily offline consumption in the past month is nearly 8 billion yuan.

On May 31, according to the news of Shanghai Stock Exchange, the 2023 International Consumption Season and the 4th Shanghai "May 29 Shopping Festival" were officially launched, and more than a thousand consumption promotion activities have been held in the past month. According to the monitoring of Consumer Market Big Data Lab (Shanghai), from April 29th to May 28th, during the first month of the 4th "May 5th Shopping Festival" in Shanghai, the daily average offline consumption in Shanghai was nearly 8 billion yuan, which was basically the same as that in 2021, with an increase of 33.6% compared with that in 2022.

Chinese inventory 2017! How many top ten buzzwords do you know?

  Cctv newsAs an important part of the "Chinese Inventory 2017" activity, the National Language Resources Monitoring and Research Center released the "Top Ten Catchwords of 2017" yesterday, among which the "19th National Congress" and "New Era" were on the list.

  The "Top Ten Catchwords in China in 2017" are "19th National Congress, New Era, Sharing, xiong’an new area, BRICS, Artificial Intelligence, Community of Human Destiny, Tianzhou No.1, Roll Up Your Sleeves, Do not forget your initiative mind, Remember Your Mission". The National Language Resources Monitoring Corpus uses language information processing technology, and selects ten words with the highest frequency according to the frequency of words, combined with manual post-processing extraction and screening, which represents the focus of mainstream media in China, language characteristics and change indications.

Professor Yang Erhong of beijing language and culture university

Professor Yang Erhong of beijing language and culture university

  Professor Yang Erhong of beijing language and culture universityAfter the 19th National Congress, the media is constantly combing all kinds of hot words, so it naturally becomes a buzzword in China media in the process of data extraction.

  There are five buzzwords related to the 19th National Congress, which are "19th National Congress", "New Era", "Roll up your sleeves and work hard", "xiong’an new area" and "Do not forget your initiative mind, remember your mission". Experts believe that such words become buzzwords, which not only represent Chinese’s beautiful expectations for the future, but also show everyone’s determination and drive to a new era. The selection of the words "artificial intelligence" and "Tianzhou No.1" reflects people’s great concern for the development of science and technology.

  Professor Yang Erhong of beijing language and culture university"Artificial Intelligence" is probably a familiar word, and it has attracted particularly high attention this year because on July 20th, the State Council released the development plan of a new generation of artificial intelligence. "Tianzhou-1" is also a breakthrough in China’s aerospace technology, and it was also a cheer when the docking was successful.

  [Extended reading]

  Candidate words of the year are released, and online voting has begun.

  "Chinese Inventory 2017" also released 20 candidate words of the year. Different from the buzzwords of the year, the opinions of netizens dominated the selection of candidate words. Let’s take a look at which candidate words were recommended by netizens.

  Among the domestic candidate words, words such as "new era" and "initial heart" that became hot with the convening of the 19 th National Congress were highly recommended by netizens. At the same time, it represents the "enjoyment" and "cloud" of innovation, the "praise" and "artificial intelligence" commonly used in netizens’ communication, and the "four new inventions" and "artificial intelligence" representing the life changes of China people have all been selected.

  Among the international candidate words, "the community of human destiny" is strongly recommended by netizens. The conflict-related words such as "nuclear", "attack" and "North Korean nuclear crisis" are also highly concerned by netizens, and words such as "alpha dog" and "gravitational wave" representing the latest achievements in scientific and technological development are also recommended by netizens.

  At present, the selection of word of the year has entered the stage of online voting. The 2017 domestic word of the year, word of the year and international word of the year and word of the year voted by netizens will be announced on December 21st.

China Banking and Insurance Regulatory Commission: In 2019, there were 93,719 insurance consumer complaints, accounting for 94.69% of contract disputes.

  China Banking and Insurance Regulatory Commission recently reported the complaints about insurance consumption in 2019 in official website.

  According to the circular, in 2019, China Banking and Insurance Regulatory Commission and its dispatched offices received a total of 93,719 complaints about insurance consumption involving insurance companies, up 5.95% year-on-year. Among them, there were 88,745 complaints about insurance contract disputes, up 2.61% year-on-year, accounting for 94.69% of the total complaints; There were 4,974 complaints suspected of violating laws and regulations, up 153.39% year-on-year, accounting for 5.31% of the total complaints.

  The largest number of complaints about contract disputes of property insurance companies are: 9,674 PICC P&C insurance, up 4.25% year-on-year; 6,396 Ping An property insurance, down 6.80% year-on-year; 3728 pieces of Zhongan Online, up 74.61% year-on-year; 2,730 Pacific property insurance, a year-on-year decrease of 9.21%; There were 2,528 property insurance in Dadi, a year-on-year increase of 39.13%.

  The largest number of complaints about contract disputes in life insurance companies are: 8,476 in Ping An Life Insurance Company of China, up 70.03% year-on-year; 4,685 China Life Insurance, a year-on-year decrease of 34.33%; 4,349 pieces of Pacific Life Insurance, up 15.60% year-on-year; 3,017 pieces of Xinhua Life Insurance, down 17.18% year-on-year; There were 2,958 Taikang Life Insurance, down 0.80% year-on-year.

  In 2019, the median number of complaints about 100 million yuan premium of property insurance companies was 5.86 pieces/100 million yuan. Among them, the top 100 million premium complaints are: Yi ‘an Property Insurance 119.51 pieces/100 million yuan; Anxin Property Insurance is 60.61 pieces/100 million yuan; Sunshine Xinbao 55.87 pieces/100 million yuan; Taikang Online 27.72 pieces/100 million yuan; Zhongan Online has 25.59 pieces/100 million yuan.

  In 2019, the median number of complaints about 100 million yuan premium of life insurance companies was 1.41 pieces/100 million yuan. Among them, the top 100 million premium complaints are: harmony and health 22.93 pieces/100 million yuan; Hua Hui Life Insurance 16.45 pieces/100 million yuan; People’s health is 6.46 pieces/100 million yuan; Fosun United Health 6.19 pieces/100 million yuan; Peking University Founder 5.48 pieces/100 million yuan.

  Among the complaints involving property insurance companies, there are 37,392 claims disputes, accounting for 75.14% of the total complaints of property insurance companies. The types of insurance involved are mainly motor vehicle insurance, which mainly reflects the disputes over the amount of compensation and compensation, the slow limitation of claims and the disputes over the determination of responsibility.

  Among the complaints involving life insurance companies, there are 9054 claims disputes, accounting for 20.60% of the total complaints of life insurance companies. The main types of insurance involved are sickness insurance, accidental injury insurance and medical insurance, which mainly reflect the problems of slow time limit for claims, disputed claims amount and complicated claims data. (CCTV reporter Wang Shantao)

Can American chip companies sit still? Voice of China Semiconductor Industry Association

On July 19th, the China Semiconductor Industry Association issued a statement on maintaining the globalization of the semiconductor industry, saying that recently, our association noticed that the media widely reported that some leaders of American chip companies were trying to lobby the US government to reduce trade restrictions and promote global cooperation. The American Semiconductor Industry Association also issued a "statement on the potential additional restrictions of the US government on the semiconductor industry". This reflects the concern of the American semiconductor industry about what the American government has done.

China’s semiconductor industry is rooted in globalization, and it grows and grows in globalization. We will always adhere to open cooperation, jointly safeguard the globalization of the semiconductor industry with all industrial colleagues in countries and regions around the world who are willing to cooperate, and promote the government/authorities to support international cooperation in the semiconductor industry. At the same time, China’s semiconductor industry will continue to innovate, constantly improve its competitiveness and develop together with global partners.

Foreign media: the White House or upgraded China Semiconductor imposed restrictions, and the executives of the Big Three American chips met with government officials urgently!

According to the report of Reuters quoted by Reference News Network on July 17th, while the most influential semiconductor lobby group in the United States urged (the government) not to implement more restrictions on China under consideration, the State Council and sources in the United States said that executives of American chip companies met with senior officials of Biden’s government on July 17th to discuss China policy.

According to the report, a the State Council spokesman told reporters that Secretary of State Anthony Blinken had a talk with CEO of several chip companies about the industry and supply chain after his recent visit to China.

A person familiar with the matter said that government officials such as Gina Raimondeau, Minister of Commerce, Lyle brainerd, Director of the National Economic Council, and jack sullivan, Assistant to the President for National Security Affairs, met with executives of Intel Corporation, Qualcomm Corporation and NVIDIA Corporation.

Image source: vision china -VCG111374581230

According to the report, the chip industry is eager to protect its profits in China when the Biden administration is considering implementing a new round of restrictions on chip exports to China. According to the data of American Semiconductor Industry Association, last year, China’s semiconductor purchase amounted to US$ 180 billion, accounting for more than one third of the global total of US$ 555.9 billion, making it the largest single market.

According to the report, the State Council spokesman Matthew Miller said at a press conference that Blinken tried to "share his views on the industry and supply chain issues, especially after his recent visit to China" and "listen directly to how these companies view the supply chain issues and how to do business in China". Another person familiar with the matter said that discussions with government officials also included speeding up the disbursement of government funds promised by the Chip and Science Act to semiconductor companies, and ensuring that US policies would not exclude chip companies from the lucrative China market.

The American Semiconductor Association voiced its appeal.

According to The Paper, the American Semiconductor Industry Association issued a statement in official website on 17th about the possible additional restrictions on semiconductors imposed by the US government. The statement said that the White House has repeatedly adopted overly broad, vague and sometimes unilateral restrictions.It may weaken the competitiveness of the semiconductor industry in the United States, destroy the supply chain and cause major market uncertainty. SIA urged the White House to engage more extensively with industries and experts, and not to implement further restrictions before evaluating the impact of current and potential restrictions, so as to determine whether they are narrow and clearly defined, whether they are uniformly applied, and whether they are fully coordinated with allies.

The source added that the US government is also concerned about China’s acquisition of the most advanced artificial intelligence chips, and said that Washington seems to be about to tighten the rules on the calculation speed of such chips, but has not yet set a specific threshold.

Ministry of Foreign Affairs: I hope the US will create a good environment for Sino-US economic and trade cooperation.

On July 18th, Foreign Ministry Spokesperson Mao Ning held a regular press conference.

According to CCTV news, a reporter asked, it is reported that Biden’s government will introduce a series of policies to restrict investment in China, including cutting-edge technologies such as semiconductors, quantum computing and artificial intelligence, but it does not involve biotechnology and energy industries. What is China’s comment on this?

In this regard, Mao Ning said that China has always opposed the politicization and weaponization of economic, trade, scientific and technological issues by the United States. We believe that artificial obstacles to normal technical cooperation and economic and trade exchanges violate the principles of market economy and disrupt the stability of the global supply chain, which is not in the interest of either party. We hope that the US will implement President Biden’s promise that he has no intention to "decouple" from China, obstruct China’s economic development and contain China, and create a good environment for Sino-US economic and trade cooperation.

Ministry of Commerce: China is the largest semiconductor market in the world.American repression will eventually bite itself.

Recently, some media reported that the United States is considering imposing new restrictions on the export of artificial intelligence chips to China.

According to CCTV news, on July 6th, a spokesman for the Ministry of Commerce said at a regular press conference that China is the world’s largest semiconductor market, with chip sales accounting for about one-third of the world’s total. If the United States suppresses and curbs, it will eventually bite itself.

Shu Yuting, spokesperson of the Ministry of Commerce: For some time, the US has been abusing export control measures, continuously strengthening the suppression and containment of Chinese semiconductors, and artificially splitting the global semiconductor market. This is a destruction of global free trade, a disregard for international economic and trade rules, and a violation of the principle of fair competition. Semiconductor is a typical representative of global industrial division of labor and cooperation. China is the world’s largest semiconductor market, with chip sales accounting for about one-third of the world’s total, which is the result of mutual benefit and win-win cooperation between enterprises in China and other countries. The U.S. approach will not only harm the legitimate rights and interests of China enterprises, but also seriously affect the interests of many countries and regions, hinder global scientific and technological exchanges and economic and trade cooperation, and will eventually bite itself. The concerns of the American industry have already illustrated this point.

National business daily Comprehensive CCTV News, China Semiconductor Industry Association, Reference News Network, The Paper