Analysis on Promoting the Reform of Housing Provident Fund and Reform Options

  ■ Zheng Bingwen
  
  The issue of housing provident fund retention and abolition has once again become a hot topic in society. Some people think that the housing provident fund system is unfair, and the housing provident fund has completed its historical mission. In order to reduce the burden on enterprises, it is advocated to abolish the housing provident fund.
  
  The author believes that the housing provident fund system still has the value of existence at present and should continue to be retained.
  
  Institutional Efficiency and Equity of Housing Provident Fund
  
  From the 2018 Annual Report of National Housing Provident Fund published by official website, Ministry of Housing and Urban-Rural Development, we can have a bird’s eye view of the institutional efficiency and fairness of housing provident fund, and have a general understanding of the system. According to the "annual report" of the provident fund, the institutional efficiency of the provident fund can be summarized into four characteristics, and the institutional fairness can be summarized into four characteristics. First look at the four institutional efficiency characteristics of housing provident fund.
  
  First, the benefit rate is relatively high.Since the establishment of the provident fund system, a total of 33.35 million individual housing loans (including two sets of loans with more than two times) have been issued, of which one third are dual employees, and a total of about 55 million people have benefited. Among the 144 million paid-in employees, 38% have successfully become housing lenders. The essence of the housing provident fund system is a mutual aid system. As a mutual aid system, 38% of its members can benefit, which is not low.
  
  Second, the mortgage level is appropriate and effective.In 2018, 2.53 million individual housing loans were issued, with an amount of 1.02 trillion yuan. On average, each mortgage was about 400,000 yuan. Paying down payment in second-and third-tier cities can basically solve the loan, and there is no need to combine commercial loans.
  
  Third, reduce the heavy interest burden for employees.The interest rate of provident fund loans is low, 3.25% for more than five years, which is 1.65&mdash lower than the benchmark interest rate of commercial individual housing loans; 2 percentage points. The mortgage issued in 2018 can save interest expenses of 202 billion yuan for loan employees, and the average loan can save interest expenses of 80,000 yuan if calculated in 10 years. For more than 20 years, the provident fund system has reduced the interest burden of trillions of yuan for employees, which is the vitality of the provident fund system.
  
  Fourth, the administrative cost comes entirely from the extracted management fee.There are 342 provident fund management centers in China with 3,439 service outlets, and there are 44,000 employees in the country, 40% of whom are non-employees. In 2018, the management fee was 11.7 billion yuan, and the comprehensive management cost per 100 million yuan of assets was 210,000 yuan, including salaries and bonuses of all employees, office space, office equipment and official expenses. The whole provident fund system is a self-supporting system. In the national contributory welfare system, such as the social insurance system and even the National Social Security Fund Council, all its operating and management costs (staff salaries and office equipment, etc.) come from financial funds, while the management costs of the housing provident fund system are completely self-digested, which is very rare in China’s current contributory welfare system.
  
  Let’s take a look at the four institutional fairness characteristics of the housing provident fund from the 2018 Annual Report of the National Housing Provident Fund.
  
  First, the coverage has gradually expanded.By 2018, the number of employees paid into the provident fund was 144 million, which is a large coverage in China’s contributory welfare system. For example, in a comparable social insurance system, except for medical care and old-age care, unemployment insurance covers 196 million people and maternity insurance covers 204 million people, and they are more compulsory than housing provident fund. Other payment systems cover a small number of people, for example, enterprise annuities cover less than 24 million people.
  
  Second, the structure of paid employees is dominated by formal sector employment.Among the 144 million employees, 31% are from government agencies and institutions, 20% from state-owned enterprises, 31% from private enterprises and 8% from foreign capital, and the remaining 10% are non-governmental, collective enterprises and other types of units. There are narrow and broad definitions of formal sector employment in China. The narrow definition refers to urban corporate institutions and urban collective units, which employ 170 million people. In a broad sense, we should also add 140 million urban private employees, that is, employees of private enterprises whose business address is located above Chengguan Town in the county. Unemployment insurance, industrial injury insurance and provident fund mainly cover employees in the formal sector in a narrow sense.
  
  Third, the system is very transparent.The information disclosure and transparency of the housing provident fund system have always been better. In 2015, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People’s Bank of China jointly issued the Notice on Improving the Information Disclosure System of Housing Provident Fund (J.J. [2015] No.26). In addition, the Annual Report of the National Housing Provident Fund jointly released by the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank to the whole society every year has complete information and is very transparent. For example, the proportion of paid employees according to the nature of the unit (civil servants, institutions, state-owned enterprises, collective enterprises, etc.), the withdrawal of provident fund by type (reasons for withdrawal, number of people, proportional amount), various types of loans (housing type, area, number of units, etc.), pilot loans to support the construction of affordable housing, business revenue and expenditure and value-added income, distribution of housing loans and value-added income in various provinces, asset risk, etc.
  
  Fourthly, housing provident fund, as a mutual fund, has played three spillover effects on housing construction in China.One is to occupy a place in the housing market. For example, in 2018, the housing consumption category of housing provident fund, personal housing loans and discount loans for public developers totaled 2.2 trillion yuan (including nearly half of the repayment of loan principal and interest), accounting for 17% of the national commercial housing sales and 16% in the personal housing loan market. Another example is to support loan workers to purchase and build housing area of 287 million square meters, accounting for 19% of the national commercial housing sales area. Second, it plays an obvious role in the rental market and housing repair market. The provident fund has provided support to employees who have no need to buy a house for the time being in their needs of renting and repairing houses. The withdrawal amount of 7.66 million rented employees has reached 73 billion yuan, and the per capita annual withdrawal amount is 10,000 yuan. Third, it plays a huge role in the construction of affordable housing. The housing provident fund provides loan support for affordable housing construction projects. By the end of 2018, a total of 87.215 billion yuan of loans had been issued to 373 pilot projects for affordable housing construction. In addition, the value-added income of some housing accumulation funds also provided supplementary funds for the construction of urban public rental housing (low-rent housing), and a total of 336.5 billion yuan was withdrawn from the construction of public rental housing. For another example, the Beijing Housing Provident Fund has so far issued 36 project loans with a loan amount of 20.1 billion yuan and a construction area of 940,000 square meters, potentially solving the housing difficulties of low-and middle-income workers’ families by more than 90,000 households.
  
  The mission of housing provident fund is not completely over.
  
  From the perspectives of efficiency and fairness, the above-mentioned provident fund system has performed well in many contributory welfare systems, at least not very badly, which has played a role in the transformation of housing system and solving the housing difficulties of employees. In the coming period, the historical mission of housing provident fund has not yet ended, which is mainly manifested in the following aspects.
  
  First, from the demand side, housing provident fund can also play a certain role.In the third-and fourth-tier cities, the role of alleviating housing difficulties for working-class people is very obvious. The most convincing is the mortgage rate, that is, the ratio of the balance of personal housing loans to the balance of housing provident fund deposits at the end of the year. For example, most provinces in the central and western regions have mortgage rates of 70% to 80%, and only Xizang (68%), Qinghai (69%) and Xinjiang Construction Corps (38%) are below 70%. Almost all first-and second-tier cities are above 85%, for example, Beijing is 95%, Shanghai is 96%, Tianjin is almost 100%, and Jiangsu, Zhejiang, Anhui, Fujian and Guizhou are above 95%. What’s important is that the housing prices in first-and second-tier cities are high, and the employees employed by government agencies and institutions every year are under great pressure to buy houses. These groups are all admitted through the "national examination", and they undertake the function of running the state machine. In the front line of scientific research and teaching, the marginal utility of housing provident fund is the highest, and in second-and third-tier cities, they can completely rely on provident fund to solve the problem of buying houses. If the provident fund is abolished, it means that there are great obstacles for the central ministries or some departments to recruit outstanding talents.
  
  Second, from the pattern of initial income distribution in China, retaining the provident fund can increase the share of labor income.As we all know, the share of labor income is too low in China’s primary income distribution pattern. Since the reform and opening up, the index of labor income share has fluctuated, from over 60% in the 1990s to below 50% before the international financial crisis in 2008, and then it has rebounded. It has improved in the past 10 years, but it is 15 to 20 percentage points lower than developed countries on average, and even lower than some developing countries.
  
  The report of the 19th National Congress of the Communist Party of China clearly pointed out: "Adhere to the simultaneous growth of residents’ income while economic growth, and realize the simultaneous increase of labor remuneration while improving labor productivity". The Opinions of the Central Committee of the Communist Party of China and the State Council on Accelerating the Improvement of the Socialist Market Economic System in the New Era just released on May 18, 2020 once again pointed out: "Increase the labor remuneration of workers, especially front-line workers, increase the proportion of labor remuneration in the initial distribution, realize the simultaneous growth of residents’ income while economic growth, and realize the simultaneous increase of labor remuneration while improving labor productivity."
  
  From the perspective of implementing the central spirit, the provident fund system is a good thing. The idea of canceling the provident fund is mainly for the sake of reducing the burden on enterprises, and the starting point is also good, but the crux of the problem lies in the fact that the focus should be on reducing taxes and social security premiums. China’s tax revenue mainly comes from indirect taxes, and direct taxes only account for about 10%. In the long run, we should gradually focus on direct taxes, but if the share of labor income is always too low, it will always be empty talk.
  
  Third, from the perspective of employees’ sense of acquisition, the effect of provident fund is very obvious.When they paid the provident fund, the people never complained that the base was too high and the proportion was too high. They complained that the social security premium rate and base were too high. The phenomenon of "evasion" of social security for ordinary people and enterprises is very serious, while almost no one and enterprises "evade" the provident fund! Why? Because the "tax wedge" of the provident fund is "zero", 100% of it becomes the disposable income of employees and their families, and its private attribute is very obvious. Excluding the provident fund, the tax wedge of social security contributions (including payroll tax) in China is as high as 30.81%, which is exactly equal to the average of OECD countries. In contrast, the tax wedge of Denmark, a Nordic welfare country, is only 30.99%, which is only a little higher than that of China. There are many developed countries with lower tax wedge than ours, such as Japan (29.64%), Australia (26.96%), Britain (26.51%), Luxembourg (26.29%), Ireland (24.66%), Canada (24.12%) and the United States (23.95%).
  
  Importantly, in the social security payment of individuals and enterprises, the tax wedge of enterprise payment is as high as 19.22%, and the tax wedge of individual payment and individual tax is 6.41% and 5.19% respectively. That is to say, in the structure of tax wedge, the social security payment of enterprises accounts for as high as 62.36% (individual payment is 20.79%, individual tax is 16.85%). Such a large tax wedge, with Of course, enterprises can evade fees "justifiably". Employees don’t get benefits, and they don’t have a sense of gain. Of course, they are willing to "cooperate" with enterprises to evade fees. Therefore, it is an unspoken rule that employees and enterprises "evade" social security fees together, and it is the social security system that ultimately "suffers". This is the main reason why paying provident fund is more popular than paying social security fees.
  
  Fourth, the low-and middle-income borrowers of the provident fund account for 95%, which is especially popular in poor areas.One of the main reasons for advocating the abolition of provident fund is that the system is unfair and the poor subsidize the rich. Of the 2.53 million mortgages of 1 trillion yuan issued in 2018, 95% were low-and middle-income borrowers, and high-income earners only accounted for 5%. According to the 2018 Annual Report of the National Housing Provident Fund, the low-middle income here means that the income is 3 times lower than the average wage of the local society last year, and the high income means that the income is 3 times higher than the average wage of the local society last year (inclusive). Look at age and housing purchase: 76% of borrowers are under 40 years old, 89% buy a building area of less than 144 square meters, and the first set accounts for 85%. Obviously, the above data show that buyers are basically just in need, and the provident fund system really provides protection and support for low-and middle-income groups to buy houses.
  
  Let’s use the deposit base of several typical poverty-stricken areas in 2017 to see their attitudes and behaviors towards the provident fund (the data are all from their housing provident fund report released in official website): the deposit base of Dingxi in Gansu is 101% of its social average wage, Baise in Guangxi is 110% of its social average wage, and Zhangye in Gansu has the highest actual deposit base, which is 113% of its social average wage. This shows that the deposit base of employees in poverty-stricken areas is very "real", even exceeding the local social wage, because they have benefited.
  
  Fifth, the number of employees who have paid in is increasing, especially in private enterprises.Let’s look at the fairness between "within the system" and "outside the system". In real life, this pair of concepts can be understood in two ways. One means that institutions and state-owned enterprises are regarded as "within the system", while others are regarded as "outside the system". Among the 144 million paid-in employees, there are 44.52 million in government institutions and 29.28 million in state-owned enterprises, totaling 73.8 million, which shows that the number of paid-in employees in the "system" is basically in a "saturated" state; Another understanding is that "within the system" refers to the formal employment sector, "outside the system" refers to the informal employment sector, and the formal employment sector has broad and narrow meanings. With government agencies, institutions and state-owned enterprises basically saturated, private enterprises will become the main force to participate in the provident fund at present and in the future. For example, in 2018, there were 19.9 million new accounts opened in the provident fund, of which private enterprises accounted for 50% (9.94 million), which shows that the proportion of private enterprises will gradually increase in the process of expanding coverage in the future. In the formal employment group, it is unfair to employees who have not participated in the provident fund, but the expansion of coverage needs a process. The state has issued documents many times to expand the coverage of the provident fund, which requires the joint efforts of employers, employees and the whole society, and the coverage of social insurance has also gone through such a process. For example,The basic old-age insurance for employees of urban enterprises covered only 136 million people 20 years ago, and reached 967 million in 2019. However, if the provident fund is abolished, the employees who have not joined and those who have joined will lose their opportunities forever. As long as this system exists, opportunities will exist.
  
  Main problems and reform suggestions of housing provident fund system
  
  The Opinions of the Central Committee of the Communist Party of China and the State Council on Accelerating the Improvement of the Socialist Market Economic System in the New Era, which was just released on March 18th, 2020, pointed out: "Reform the housing provident fund system".
  
  The author believes that this is the most authoritative and latest tone of the central government on housing provident fund, and its attitude is very clear, that is "reform", not "cancellation", and I fully agree with it. Since the central government’s attitude is still clear, if we want to reform, we should first make clear what the problems are in the provident fund, and then discuss what the solution is, not whether to cancel it, but whether to reform it. There may be many problems with the provident fund, for example, whether older employees who have no need to buy houses have the right to quit, whether individual employees have the right to choose the proportion of contributions within the upper limit, and so on.
  
  However, there have been two biggest problems with the housing provident fund: First, the investment method is single and the rate of return is too low. For example, the value-added rate of return in 2018 is only 1.56%; The direct result of the low value-added rate of return is that the deposit interest paid by employees is too low, and the interest is only calculated at 1.5%. If calculated according to the market-oriented investment rate of return, the loss is huge. Take the balance of 802.3 billion yuan in 2018 as an example. If it is entrusted to the National Social Security Fund Council for investment and the rate of return is assumed to be 6%, the interest income this year will be as high as 28 billion. Therefore, after more than 20 years, the interest loss will be several hundred billion yuan. For individual employees, the interest rate of 1.5% is far from outperforming the inflation rate, and the risk of depreciation is very obvious. The funds deposited in the account are shrinking every year; The interest rate of 1.5% is at least 10 percentage points lower than the social average wage growth rate, resulting in "welfare loss" doubling every few years. In the past 22 years, the unit proportional payment is almost equivalent to "nothing". In the past 22 years, the wage growth rate and population growth rate have exceeded 14%, which is called "biological rate of return" and "internal rate of return" (we can roughly understand it as actual purchasing power). Minus the interest-bearing level of 1.5%, the annual "welfare loss" will be at least 12%. After 22 years, the welfare loss of employees will be astronomical.From the perspective of the whole society, this is a huge loss of social welfare and a "transfer" of social wealth. The second problem is that the surplus funds can’t be used in the whole country between the areas with low overall planning level and high loan ratio (for example, 99.5% in Tianjin) and the areas with low loan ratio (for example, 78% in Qinghai). From the perspective of the whole society, the low level of fund management and regional separatism reduce the efficiency of "mutual assistance" of surplus funds.
  
  In view of the above analysis, there are problems in the provident fund system, but we should not give up eating because of choking. We should solve the problems in the provident fund as soon as possible, and we should not turn a blind eye to them. Otherwise, we will be irresponsible to the paid employees. From a certain point of view, we will "fatten" the state-owned banks with low-priced and high-quality assets. Since some scholars have put forward a motion to cancel the provident fund, policy makers should act as soon as possible with a sense of urgency and a high sense of responsibility for the people’s interests, so as not to let a good livelihood system become a "soft rib" for a long time. In order to get rid of the above two main disadvantages, the author puts forward four reform ideas or four reform options.
  
  First, expand the function and optimize the structure without changing the nature of the current administrative institution of the housing provident fund center.This is an improved scheme, the easiest and most convenient scheme, and the existing system and mechanism will not be changed. The areas of "improvement" include: in the investment system, we can adopt the mode that the basic old-age insurance fund for urban workers entrusts the National Social Security Fund Council to invest, and the provinces sign contracts with the National Social Security Fund Council respectively and agree on specific matters such as investment return rate, and all the real investment income is distributed to the paid employees as interest. In terms of business scope, provident fund centers in first-and second-tier cities are allowed to use value-added income and other funds to directly invest in and hold rental housing, and support paid employees to solve housing problems through leasing; Expand the coverage of deposits to cover urban migrant workers and even freelancers; At the level of overall planning, it will be promoted to national overall planning, and the mutual integration of funds between cities will be strengthened. Deposited employees can continue to deposit in different places, extract and use in different places, and lend; Establish a new loan allocation mechanism in the use of extraction, tilt towards low-and middle-income groups, and increase support for rental housing; Improve the efficiency in the operation mechanism and simplify the procedures for extraction and use; Strengthen the publicity according to law in supervision and regularly disclose information.
  
  Second, the national housing provident fund management company, a policy-based non-bank financial institution with independent legal person, was reorganized and established (the idea of "Fannie Mae and Freddie Mac" in the United States).The national housing provident fund management company issues bonds and securities in the capital market with national credit, expands the fund pool, and provides liquidity support and policy guarantee for ordinary people to use the housing provident fund; In terms of the use of funds, the National Housing Provident Fund Management Company does not directly issue loans, but supports the basic housing needs of paid employees by providing low-interest and long-term credit guarantees for paid employees. After being guaranteed by the provident fund management company, paid employees can choose any provident fund center and commercial bank to obtain loans. This method can promote the competition between provident fund centers and commercial banks, and improve the efficiency and service level of housing loans for paid employees. At the same time, the national housing provident fund management company provides funds for the provident fund centers and commercial banks by purchasing their mortgage assets in bulk. In the first-and second-tier cities with high housing prices, we will support the construction and operation of rental housing through loans or direct investment, and promote "both rent and purchase". Establish a national overall planning mechanism and a national housing provident fund fund fund management platform to realize national deposit and withdrawal and interbank lending; In terms of operation mechanism and supervision mechanism, it operates in the way of corporate governance structure of financial institutions and accepts supervision.
  
  Thirdly, the policy-oriented National Housing Bank was reorganized and established (the idea of China Postal Savings Bank).Based on the model of housing savings banks in developed countries, the national provident fund center will be reorganized into a unified national independent legal person financial institution, and the provincial and municipal provident fund centers will be reorganized into branches of the National Housing Bank, and bonds and securities will be issued in the capital market with national credit; Carry out policy-based housing savings business, establish a differential credit mechanism, and provide more favorable housing financial support to low-and middle-income groups, which can be deposited and connected in different places, and used and loaned in different places; Issue project loans to rental housing construction. In the operation mechanism, it operates according to the corporate governance structure of modern financial institutions, and establishes an incentive mechanism to promote efficiency and risk control; According to the regulatory mechanism of policy finance, the Ministry of Housing and Urban-Rural Development is responsible for the formulation and supervision of housing policy rules, while the central bank and the China Banking Regulatory Commission are responsible for the formulation and supervision of banking regulatory rules.
  
  Fourth, merge with enterprise annuity and integrate it into a comprehensive provident fund system (the idea of Singapore Central Provident Fund).Considering the aging trend, following the principle of life cycle, taking into account the capital needs of urban residents in housing and pension, a unified personal provident fund account will be established throughout the country. According to the housing and pension, two sub-accounts are set up. The housing account implements "low deposit and low loan", and the funds in the housing account can be extracted for renting or buying housing. When employees have no provident fund loans or housing consumption needs, the funds in the housing account are transferred to the pension account. Set up a policy-based non-bank financial institution to be responsible for the investment and operation of the comprehensive provident fund pool, and play the dual role of the current housing provident fund and enterprise annuity.
  
  (The author is a member of Chinese People’s Political Consultative Conference and director of the World Social Security Research Center of China Academy of Social Sciences)
  
  

The Ministry of Finance defines the ecological protection of the Yangtze River Economic Belt: protecting the environment from losses.

  BEIJING, Feb. 24 (Xinhua) According to the website of the Ministry of Finance, the Ministry of Finance recently issued the Guiding Opinions on Establishing and Improving the Long-term Mechanism of Ecological Compensation and Protection in the Yangtze River Economic Belt. The guiding opinions are clear, so that places that protect the environment will not suffer, benefit and gain more, fully mobilize the enthusiasm, initiative and creativity of city and county governments to strengthen ecological construction, and protect the ecological environment with the system.

  The guiding opinions are clear. The central government will strengthen the design of ecological compensation and protection system in the Yangtze River basin, improve the transfer payment method, increase support, and establish and improve the incentive and guidance mechanism. Local governments should take effective measures to actively promote the establishment of a long-term mechanism for ecological compensation and protection in neighboring provinces and the Yangtze River Basin within the province.

  The guidance is clear, focusing on the improvement of ecological environment quality, implementing accurate assessment according to the types and importance of ecological functions, and strengthening the linkage mechanism between fund allocation and ecological protection effectiveness. Let the places that protect the environment not suffer, benefit and gain more, fully mobilize the enthusiasm, initiative and creativity of city and county governments to strengthen ecological construction, and protect the ecological environment with the system.

  The guiding opinions put forward that by coordinating general transfer payments and related special transfer payments, an incentive and guidance mechanism should be established, and the financial investment in ecological compensation and protection in the Yangtze River Economic Belt should be significantly increased.

  By 2020, the diversified investment mechanism for the protection and governance of the Yangtze River Basin will be more perfect, the working pattern of coordinated governance will be more perfect, and the central government’s ecological compensation benefits between local and upstream and downstream basins will be more prominent, providing important financial support and institutional guarantee for the ecological civilization construction and regional coordinated development of the Yangtze River Economic Belt.

  The guidance proposes to increase special support for the Yangtze River Economic Belt. In terms of supporting the development of forest resources, natural forest cutting and management, wetland protection, ecological migration, energy conservation and environmental protection, the central government will focus on the Yangtze River Economic Belt through forestry reform and development funds, forestry ecological protection and restoration funds, and energy conservation and emission reduction subsidies.

  Taking the implementation of major ecological restoration projects as a priority option to promote the development of the Yangtze River Economic Belt, the central government will increase its support for the construction of shelter forest system, soil erosion and rocky desertification control in karst areas.

  The guidance requires local finance to do a good job in implementation. Provincial financial departments should improve the management methods of general transfer payment funds such as provincial balance and key ecological function areas, and continuously increase support for the Yangtze River, runoff areas and key water source areas.

  Financial departments at all levels below the provincial level should strengthen the management of special transfer payment funds related to ecological and environmental protection, guide all responsible departments to coordinate policy objectives, clarify tasks and responsibilities, coordinate management methods, standardize performance appraisal, and form a joint force to significantly increase investment in ecological protection of the Yangtze River Economic Belt.

  The guidance requires that local finance explore the establishment of a special transfer payment fund integration mechanism for ecological protection and governance in the Yangtze River Basin. For the carry-over funds of relevant central special transfer payments, local governments can formulate stricter measures for fund pooling and effectively improve the efficiency in the use of financial funds.

The happiest, the most environmentally friendly … The most "Tomb-Sweeping Day" in the world.

  The annual Tomb-Sweeping Day is coming. Do you plan to go back to your hometown to visit graves and pay homage to your ancestors? Go for a walk to sweep graves, burn paper money, set off firecrackers, and eat green mugs … … It has always been a tradition in Tomb-Sweeping Day, China to offer sacrifices to the dead and mourn for the living. In foreign countries, many countries also have such a special day, with a variety of festivals and ceremonies, to pin their grief on the deceased relatives and friends and martyrs. So, when is the "Tomb-Sweeping Day" abroad? In what ways will they commemorate their ancestors and express their thoughts? Let’s take a look at the best "Tomb-Sweeping Day" abroad!

  The most patriotic "Tomb-Sweeping Day": the United States, Israelis and Tanzanians.

  American "fallen soldier’s day" shows people’s love for their country.

  Memorial Day in the United States is to mourn the American soldiers killed in various wars. It was designated as a national holiday by the federal government in 1971, and the date is the last Monday in May. At first, people only paid homage to all the war victims on the "Memorial Day", and later it gradually evolved into a general family to pay homage to their deceased relatives.

  Memorial Day is not only an important festival to show patriotism to Americans, but also represents the official start of summer among the people. Many beaches, amusement parks, summer ferries on small islands, etc. will start to operate from the weekend of that week. Due to the three-day holiday in a row, many Americans went to the suburbs for a barbecue, went to the seaside to have fun or visited museums, etc., resulting in serious traffic congestion.

  Israel: mourning for a series of national anniversaries

  On April 15th, 2015, Israel held an annual memorial ceremony for the victims of the Holocaust at Yad Wehim Holocaust Memorial Hall in Jerusalem.

  The Israeli people continuously commemorate the Holocaust Remembrance Day, the Martyrs’ Remembrance Day and Israel’s National Independence Day around May of the Gregorian calendar every year. The anniversary of the Israeli Holocaust is determined according to the Jewish calendar, and it varies from year to year according to the AD calendar.

  As the Palestinian-Israeli conflict continues, causing great casualties to Israel, these seemingly official festivals are actually directly connected with the feelings of thousands of families in Israel. Whenever these days come, Israelis will come to the graves of their relatives with flowers and candles in their hands, and use the unique customs of the Jewish nation — — Put stones symbolizing eternity on the tombstones of relatives to express their inner grief. Many tombstones are laid flat, so that there can be a larger area on the tombstones to carry the stones entrusted by relatives and friends.

  Tanzania: "Mourning Festival" mourns the martyrs of the War of Independence.

  Tanzania is one of the cradles of ancient humans. In the 7th-8th century, Arabs and Persians moved into this area, and in the 19th century, colonial forces from Germany and Britain invaded one after another. In order to strive for independence, the Tanzanian people waged a heroic struggle with the colonists. In 1961, Tanganyika declared independence, in December 1963, Zanzibar declared independence, and in 1964, the two formed a United Republic, which was renamed the United Republic of Tanzania in October of the same year.

  In order to mourn the martyrs who died for their country in the War of Independence, the Tanzanian people designated September 2nd every year as "Mourning Day". On this day, people voluntarily go to the cemetery to offer flowers and sweep the graves. National leaders also visit the Martyrs Cemetery to pay homage, and some people also offer wreaths in front of the monument in Independence Square to express their grief for the martyrs.

  The most environmentally friendly "Tomb-Sweeping Day": Singaporean and Russian.

  Russia: Painting eggs in front of the tomb with fake flowers instead of real receptacle mourning

  Every year from the end of April to the beginning of May, Russians visit the graves of their deceased relatives with their families. This festival is Russia’s Day of Remembrance of the Dead. The name of Memorial Day in Russian is "Radonica", which literally shows no sadness. According to Russian linguists’ research, the name comes from the words "birth" and "happiness". This festival is specially arranged after Easter, so that people should not be sad for the loss of their loved ones, but should be glad for them to rest in another world.

  On the Day of Remembrance of the Dead, Russians will visit the graves of their deceased relatives and pay homage to them. According to the traditional custom, they will offer eggs painted with colorful patterns in front of the tomb, which is said to pray for the blessing of the dead. In addition, they will also provide food such as sweet milk cake, pie and fruit soup, and plant flowers and plants around the cemetery. After the memorial service, the whole family will have a simple dinner in front of the tomb. Everyone will drink a glass of vodka, but they can’t touch glasses or talk when drinking. Devout Orthodox believers go to the church to light candles for the deceased before going to the cemetery, pray for the soul of the deceased to rest in peace, and collect holy water and sprinkle it in front of the cemetery. Today, some details of the memorial ceremony have changed. For example, in the past, Russians placed flowers in front of cemeteries, but now they use more and more beautifully made fake flowers. On the one hand, fake flowers can last longer, and on the other hand, fake flowers are relatively cheaper than real flowers.

  Singapore: government-customized incineration barrels are easy to clean.

  Compared with Tomb-Sweeping Day, Chinese Singaporeans pay more attention to the "Mid-Yuan Festival" on July 15th of the lunar calendar every year. Legend has it that all ghosts were released in the underworld on that day, and people generally carried out activities of offering sacrifices to ghosts. In order not to affect hygiene and facilitate cleaning, Singapore’s incineration barrels are customized by the government and placed in front of the house every July for people to burn paper.

  There is also a special performance in the Chinese-speaking areas of Singapore to entertain ghosts, which the local Fujian people call "July Song Tai" or "Song Tai" for short. Generally speaking, a singing stage is set up on an open space, decorated with audio equipment and lighting, and rows of chairs are placed in the audience, while the chairs in the first row are usually vacant and reserved for "good brothers" (ghosts). Stage performances are usually arranged at night, including humorous short plays, magic, strong songs and dances, etc., and performances are held throughout the seventh month of the lunar calendar.

  The happiest "Tomb-Sweeping Day": Philippine, Mexican.

  Philippines: Set up tents and sing K-style family gatherings.

  On November 1, 2008, in a cemetery in Manila, the capital of the Philippines, a boy was cleaning up the tombstones of his relatives.

  Filipinos usually sweep graves for their deceased relatives on Halloween and All Souls’ Day every autumn. They will set up tents in cemeteries for the night and hold various entertainment activities to remember their loved ones in a happy atmosphere. Halloween and All Souls’ Day are the most popular days of the year in the Philippines. On the day before Halloween, the grave keeper will clean the cemetery and the surrounding roads to welcome grave sweepers. On Halloween, many people rushed to the cemetery and set up tents for the night.

  When sweeping graves, Filipinos will not only offer flowers and sacrifices to their deceased relatives, but also prepare food and various entertainment activities for themselves. At the graves of relatives, some people pray, some cook, some play poker, some play guitar, and some even sing karaoke, as if they were holding a lively family gathering. A Philippine media commented that Halloween and All Souls’ Day are not only festivals for the dead, but also festivals for the living.

  Mexico: Celebration to welcome the dead home is included in the intangible heritage.

  Mexico’s Day of the Dead is divided into two days. Every year, November 1st is the "Young Spirit Day" to pay homage to the dead children, and November 2nd is the "Soul Festival" to pay tribute to the dead adults. At this time, Mexicans will set up altars at home, filled with flowers, candy, decorations, etc., to welcome their deceased relatives home, or set up banquets in cemeteries, play music and wait for celebrations all night. Mexican aborigines believe that death is not a sad thing, but should welcome the dead home with songs and dances and colorful celebrations.

  The Day of the Dead originated from the ancient Mexican indigenous Indian culture. After the Spanish came to the New World in the 16th century, the Western Catholic Halloween was combined with the ancient Indian tradition of offering sacrifices to the dead, thus gradually forming today’s Day of the Dead. In 2003, UNESCO listed Mexico Day for the Dead as an intangible cultural heritage. Although Mexico’s "Day of the Dead" is similar to other western countries, it essentially inherits the Indian tradition and shows Indian cultural characteristics, as well as their unique humor and ideas about life and death. In their view, death is not the end of life. The dead will go to another happy world and enjoy the beginning of a new life.

  The most religious "Tomb-Sweeping Day": Cambodian and Polish.

  Cambodia: It is an important activity to go to the temple to sacrifice the dead.

  Buddhism is the main religion in Cambodia, so the "Tomb-Sweeping Day" in Cambodia is also very religious. The Day of the Dead, held from October 1 to 15 in the Buddhist calendar every year, is the most solemn festival in Cambodia, with the theme of remembering the dead and worshiping the ancestors. The content of the Day of the Dead is very rich. Every family will go out for an outing, have a picnic, visit relatives and friends while paying homage to their ancestors, and various activities will be held in various places, such as buffalo race, wrestling competition, stick performance and so on.

  Sacrifice in the temple is the most important activity of the Day of the Dead. At that time, every household should bring sacrifices and go to the temple to worship, and almost all Buddhist temples, big or small, will be full. If possible, they will take food to Buddhist temples every day, and some people can even go to three or four Buddhist temples to give alms in one morning; If there are no conditions, you can only go to one or two Buddhist temples once or twice in 15 days, but you must go. According to the Khmer national tradition, the more Buddhist temples you go to, the more merits you accumulate.

  Poland: Mass to pray for the dead

  November 2nd every year is a traditional festival for Poles to remember the dead, which is called Day of the Dead, and it follows Halloween on November 1st. Today, in Poland, the memorial activities for the dead are mainly concentrated on November 1. On this day, people go to the cemetery to sweep graves, and the elderly light candles symbolizing the immortality of the deceased, so that children can offer them sacrifices to educate future generations not to forget their ancestors. They will also display bouquets, baskets or other decorations to commemorate their old friends.

  According to the traditional explanation of Poland, the Day of the Dead began to spread in the 12th century, and it was not accepted by people all over the country until the end of 15th century. Besides sweeping graves, Poles also go to mass and pray for the dead. (Text Image Source: Xinhuanet, Overseas Network Editor: Tian Ming, Intern Li Xia)

National Medical Insurance Bureau: Implementing "Whole Process Supervision" for High-value Medical Consumables

  Cctv news(Intern reporter Fu Hongcheng): On August 1, Li Tao, deputy director of the National Medical Insurance Bureau, introduced the "Reform Plan for Managing High-value Medical Consumables" recently issued by the State Council at the policy briefing in the State Council. In view of the outstanding problems such as high price and overuse of high-value medical consumables, Li Tao said that a multi-department joint response mechanism will be established to investigate and deal with violations of laws and regulations, and the supervision and management of production, circulation and use will be strengthened.

  Improve the supervision and management mechanism and seriously investigate and deal with violations of laws and regulations. Li Tao said that it is necessary to improve quality management, strictly register and approve, and establish a traceability system and a lifelong responsibility system for product quality. Implement the re-evaluation and recall system, strengthen circulation management, establish a distribution selection mechanism, and encourage the implementation of the "two-vote system." Strengthen the building of a clean and honest party style, strictly implement double responsibilities for one post, intensify discipline inspection and supervision, and seriously investigate and deal with corruption, bribery, dereliction of duty and other acts.

  Implementing the whole process supervision is based on "unifying the classification and code of medical consumables for medical insurance". Through unified coding and classification, "three possibilities" can be realized, that is, "comparability, supervision and analysis". Specifically, "comparability" means to realize mutual recognition of data between different places and medical institutions through unified classification and coding, to promote data comparison of high-value medical consumables between different places and medical institutions, and to make information open and transparent. "Regulatory" can strengthen the supervision and management of all aspects of production, circulation and use, and promote the joint supervision of various departments. "analyzable" can realize the data exchange of high-value medical consumables between the country and various provinces and cities, carry out the analysis and application of big data, improve the governance ability, and greatly reduce the pressure and burden of enterprises repeatedly submitting product information in bidding and procurement links around the country.

  In addition, Jiao Yahui, head of the Medical Administration and Hospital Authority of the National Health and Wellness Commission, emphasized the strengthening of quality control. "We have established a very perfect quality control system throughout the country, from the country to the provinces and cities, and through quality control, we have also strengthened the normative monitoring of every key medical technology and medical behavior, especially in areas where high-value consumables are used.

  Jiao Yahui also said that in the process of standardized use of high-value medical consumables, medical institutions and medical personnel should play the main role. The management of the whole process of medical institutions from procurement, selection to use and monitoring needs to ensure that high-value medical consumables can be traced forward and backward in medical institutions, so as to manage the whole process.

  Strict supervision of high-value medical consumables requires efforts from all sides. In order to ensure the effective implementation of the system, Li Tao introduced that the "Program" also emphasized the need to adhere to the linkage of the three hospitals, strengthen organization and implementation, and put forward supporting measures such as increasing financial input, rationally adjusting the price of medical services, deepening the reform of medical insurance payment methods, and accelerating the establishment of a salary system that meets the characteristics of the industry. All relevant departments in all localities are required to raise awareness, strengthen leadership, clarify responsibilities and division of labor, strengthen publicity and reasonable guidance, and ensure the smooth and orderly progress of reform. "The linkage of the three doctors is not only the linkage of the three doctors, but also the cooperation of many departments to ensure the quality, supply, use and payment of the selected products."

It is not a long-term solution to declare chicken feathers all over the place by "running water"

In 2023, the summer vacation was a record-breaking, with all kinds of film and television dramas being overwhelmed, and movies were also fought by immortals. Before, Three Wan Li in Chang ‘an was turned over by many stars Amway, and after that, it was turned over by the wonderful headwind of octagonal cage. Recently, the most popular film is "The First Part of Gods" directed by Wu Ershan.

"Feng Shen" is adapted from the well-known "Feng Shen Romance". Before that, it was not without directors trying to remake this story, but all of them ended badly, and only odd actors dressed up in circles. Part of the reason is that the original itself has many problems, and it is always easy to overturn when it is adapted, which also leads to the repeated "wolf coming" and makes netizens feel "upset" about this story.

Director Wu Ershan filmed the trilogy "Feng Shen" in the way of "Three continuous shooting". I have to say that this move is really high. In addition to improving efficiency and saving landscaping costs, it also firmly grasps the psychology of the audience to eat the same lineup. From the film, it is not difficult to see that the director has spent a lot of time on actor training, landscaping and post-production, taking into account the quality of the film.

Before the screening, there were many conjectures about the relationship between "da ji × King". After all, the corner of da ji is a femme fatale widely recognized by the public. Surprisingly, director Wu Ershan turned da ji’s active confusion into the ambition to repay the king. This "intimate hakimi" setting not only poked many people’s cute spots, but also took the opportunity to stabilize a group of female audiences. Na Ran’s fox looks even worse after makeup, and she really stepped out of the circle of "beauty" to play the "fox demon".

Wu Ershan’s handling of the corner of Yin Shou is even more amazing. It is not difficult to see that Zhou Wang is a big villain in the original work, and it is well known that villains are grindstones in front of the leading group. In this film, the director corrected the image of Yin Shou, a tall, handsome, ambitious and dormant dynasty ruler, and also spent a lot of pen and ink to describe his psychological changes. Under teacher ChristianRandPhillips’s interpretation, although Yin Shou’s cruel and tyrannical ethics looks really "emotional", the fuller characters also make a lot of logic more self-consistent.

Whether it is an objective analysis or just watching the score of Douban 7.8, this film is undoubtedly a success. This is the honor that three continuous shooting films and several years of heavy-hearted shooting deserve. But at the same time, it also brings a fatal drawback to the film. The time, energy and money cost of filming are too high, which leads to the announcement of "Feng Shen" before and after the screening.

In the early stage, the publicity depended on the director’s "investment of 3 billion yuan, and it will take ten years to pay off the debt if it is not successful" and "if the first box office is not ideal, there may be no two or three films". The effect brought by this announcement is obviously polarized. Fans with brain fever even reached the level of six brushes, and some fans said that "I thought the movie was good, but the moral kidnapping appeal to watch movies was really low."

Up to now, the word-of-mouth of "Feng Shen" has been played out, but the announcement is still not focused, and every day, there is no focus. Because the audience danced with hakimi’s stalks, they took advantage of the trend to market, but the hot stalks were mostly used for second creation, and the marketing effect was average.

I also saw that everyone was attracted by the proton group to release training schedules, shoot tidbits, and interact with roadshows. From the BG direction of the former "The King and His hakimi" to the BL direction of "the suburbs are well developed". Nowadays, not only has it not attracted a large number of new audiences, but even the original audience has begun to split and quarrel.

Since the release of Amway, a large number of viewers have spared no effort in various platforms. The interactive volume of Weibo’s topic of "deifying tap water" has been increasing, and the reading volume has exceeded 60 million.

It is not difficult to see that under the influence of the official moral kidnapping propaganda, a large part of netizens’ efforts in Amway are "afraid of not seeing the last two films" But the official can’t move it, just like the outside world is tottering and I am standing still.

In all fairness, the emotions of netizens are actually very uncontrollable, and the spontaneous Amway after watching movies can only be regarded as icing on the cake. If netizens make great efforts to publicize, but the publicity takes the opportunity to sell badly on the whole network, how long can this kind of "moral kidnapping" bring about compassion? The audience’s suggestions should be properly listened to. It is not a long-term solution to rely solely on "tap water" Amway. Excessive selling will only lead to the opposite effect.

At present, the box office of Fengshen is only over 1.3 billion, which is less than half of the target of 3 billion, and the total box office based on the daily box office forecast in recent days is less than 2.5 billion. However, the next release of Meg 2 has Jason Wu, and "Put all your eggs in one basket" is a hot topic. These two films, which were expected by the whole network as soon as they were announced, are bound to affect the box office of Feng Shen. When these two films are released, it will be difficult for Feng Shen to sprint again.

DB11 AMR official map released, 100 km acceleration only takes 3.7s

  [XCAR overseas new car original]

  A few days ago, the official map of aston martin DB11 AMR model was officially released. The new car is based on the current aston martin DB11 model, which is a new car owned by aston martin’s brand-new high-performance sub-brand AMR. The new car is equipped with a 5.2L V12 twin-turbo engine with a top speed of 334km/h and an acceleration time of 0-100km/h of only 3.7s.

A few days ago, Aston

A few days ago, Aston

A few days ago, Aston

  In terms of appearance, aston martin DB11 AMR is based on the current DB11 model in aston martin. In order to highlight its identity, the new car uses blackened headlights with black mesh front air intake grille, supplemented by fluorescent green brake calipers, which makes the new car look more sporty.

Aston

  It is worth mentioning that in addition to the standard body color and decoration options, the car will also launch a special edition of AMR Signature Edition. The new car is decorated with AMR exclusive Sterling green exterior paint and passion lime, and the use of a large number of carbon fiber components makes it show a strong visual impact. It is understood that this special edition model will be sold in a limited edition of 100 vehicles.

Aston

  In the interior part, the new car also continues the black theme of the appearance. The seats are decorated with monochrome leather and Alcantara leather, and a bold contrast color central decorative strip makes the interior look more sporty.

Aston

  In the power system, the new car is equipped with a 5.2L V12 twin-turbo engine with a maximum output of 470kW(639Ps) and a peak torque of 700Nm. The transmission part is matched with an 8-speed automatic gearbox. The official top speed is 334km/h, and the acceleration time of 0-100km/h is only 3.7s s.

A few days ago, Aston

  Editor’s comment:As a brand-new vehicle launched by aston martin’s high-performance sub-brand, all the values of DB11 AMR have been slightly improved compared with DB11 V12, and it deserves to be the fastest vehicle in aston martin’s DB11 series.

Beijing issued a yellow warning of high temperature! The maximum will reach 35℃ and above.

  Cctv newsAt 16: 25 on June 4, 2023, Beijing Meteorological Observatory issued a yellow warning of high temperature. It is estimated that the highest temperature in most parts of the city will reach 35℃ and above from May 5th to 7th, so please take precautions.

Defense guide

(1) Local people’s governments at all levels, relevant departments and units shall do a good job in heatstroke prevention and cooling according to their duties, and municipal, water, construction, health, electric power and other departments and units shall take effective measures in time;

(2) Personnel who have been working in the open air for a long time in high temperature environment should take necessary measures to prevent heatstroke and prepare cool drinks and first-aid medicines for heatstroke;

(3) Maintain the car reasonably, pay attention to traffic safety when driving, and avoid fatigue driving;

(4) Families with old, weak, sick and young children should prepare commonly used heatstroke prevention and cooling drugs, and provide heatstroke prevention and cooling guidance and certain care;

(5) Outdoor activities should be reduced during the high temperature period. If you have to travel, you should wear sunscreen, umbrellas, sun hats and sunglasses outdoors, and apply sunscreen to avoid strong light burning your skin;

(6) Continuous high temperature weather is easy to make people tired, irritable and angry, so we should pay attention to adjusting our emotions and ensuring adequate rest.

A wave of people’s livelihood "red envelopes" continues to enhance people’s sense of gain.

  Xinhuanet Beijing, November 29th (Wang Ying) Comprehensively clean up the software such as "Call You to Death" and "Network Number Change", newly purchased buses should have safety protection and isolation in the driving area, and the star-rated hotels that are not worthy of the name should be downgraded without mercy, and the fraudulent behavior of medical institutions should be strictly investigated, and nine 5A-level tourist attractions should be added … Recently, a number of people’s livelihood areas have once again released reform dividends, and a large wave of people’s livelihood "red envelopes" have been made available to the people.

  Comprehensively clean up all kinds of information harassment software and give everyone a clean and peaceful life.

  Nowadays, the vast majority of people will face endless telecom chaos such as sales calls, a mountain of spam messages, and harassment applications upgraded by means. In this regard, 13 departments including the Ministry of Industry and Information Technology have organized a nationwide campaign for a period of one and a half years since July 2018, focusing on rectifying harassment calls and disturbing people.

  A few days ago, the Ministry of Industry and Information Technology issued the "Work Plan on Promoting the Special Action of Comprehensive Remediation of Harassment Calls" (hereinafter referred to as the "Work Plan"), clearly requiring strengthening the control of communication channels, enhancing technical prevention capabilities, and comprehensively curbing the spread of harassing calls.

  The "Work Plan" requires a comprehensive regulation of the call center business, and clearly States: "To carry out commercial marketing, we should obtain the user’s consent in advance, keep relevant vouchers and actively cooperate with the harassing phone check."

  According to the requirements of the Work Plan, before the end of November 2018, all relevant Internet enterprises (including information publishing platforms, e-commerce platforms, application software distribution platforms and social platforms) should comprehensively clean up the sales promotion information of software such as "Call You to Death", "Network Number Change" and "SMS Bomber" and equipment such as "Cat Pool" and "Voice Gateway", and cut off the search and release of related software and equipment on the Internet.

  It is understood that from January to October this year, China Mobile intercepted 1.08 billion harassing calls and 316 million spam messages every month, and cooperated with the detection of more than 8,600 cases of pseudo base stations.

  Newly-purchased buses should have safety protection in the driving area, isolate public travel and improve the sense of security.

  During this period, bus safety accidents have aroused widespread concern in society. On November 9, the Ministry of Transport issued the Notice on Further Strengthening the Safety Guarantee of Urban Bus and Tram Operation, which put forward four requirements for strengthening the safety guarantee of urban bus and tram operation: First, effectively strengthen the training and education of urban bus and tram drivers’ safety awareness and emergency response ability. Second, newly purchased vehicles are required to have safety protection and isolation facilities in the driving area, and vehicles in use are encouraged to modify the protection and isolation facilities. The third is to raise passengers’ awareness of safe riding and encourage passengers to participate in the safety guarantee of urban public buses and trams. Fourth, it is necessary to report to the police in time for violations of laws and regulations that affect operational safety.

  Then, at the regular press conference on November 22nd, the Ministry of Transport further stated that it was studying and taking a series of special actions and working measures to continuously improve the bus safety level. At the meeting, spokesperson Wu Chungeng said that up to now, Beijing, Chongqing, Fujian, Shandong, Guangzhou, Xiamen and other provinces and cities have taken measures to deploy and carry out urban public transport safety rectification work.

  The Ministry of Transport issued an initiative to the whole society: drivers should drive safely all the time, speak calmly and drive in a civilized way, starting from me; It’s important for passengers to be kind to others, to follow the rules and order, to ride in a civilized way, and to start from me.

  For star-rated hotels that are not worthy of the name, the stars should be picked up and the downgrade should be downgraded.

  The recent media exposure of domestic star-rated hotels caused widespread public concern, and the China Consumers Association issued a statement on November 21, strongly condemning the health chaos. It is suggested that for star hotels that are not worthy of the name, the star should be picked up and the star should be downgraded, and the real star hotels in be worthy of the name should be selected for consumers.

  The relevant person in charge of China Consumers Association said that the hygienic chaos of star-rated hotels exposed this time seriously violated the consumer rights protection law and the relevant regulations of the tourist hotel industry, and seriously damaged consumers’ rights to safety, information, choice and fair trade.

  China Consumers Association also said in the statement that so far, the star-rated hotels involved have not deeply realized the seriousness of the problem, nor have they fully understood and respected the consumer’s supervision suggestions. Instead, in their responses, they used the expressions of "individual employees" and "individual events" to downplay the existing problems, reflecting their indifference and numbness to consumers and consumer supervision suggestions. This attitude shows that their service concept and quality are not consistent with the "star" above them.

  China Consumers Association calls on relevant departments and industry enterprises to truly integrate "consumer first" into the supervision and management concept, sincerely accept the supervision of consumers, and reshape the "star" of star-rated hotels in the minds of consumers.

  Strictly investigate the fraudulent behavior of medical institutions to ensure the safety of medical insurance fund supervision

  On November 21, the National Health Insurance Bureau held a special action conference to combat fraud and defraud medical insurance funds, and decided to launch a special action "looking back" nationwide, and has issued a notice for special deployment.

  "Looking back" focuses on three key areas: for medical institutions, it focuses on investigating and dealing with behaviors such as inducing insured persons to be hospitalized, stealing and fraudulently using social security cards of insured persons, forging medical documents or bills, assisting insured persons to withdraw medical insurance funds, and falsely recording or recording medical service fees; For retail pharmacies, it is important to investigate and deal with such behaviors as drug exchange and fund withdrawal by credit card; For the insured, it is important to investigate and deal with acts such as fraudulent use of bills to defraud funds.

  The press conference also released the telephone number of complaints reported by the National Medical Insurance Bureau and the special actions to combat fraud and defraud medical insurance funds in various places. The National Medical Insurance Bureau will establish a reward mechanism for reporting, focusing on people’s reporting, combining medical insurance intelligent monitoring, big data analysis, and unannounced visits to accurately target and severely crack down on illegal activities.

  It is more convenient to implement the travel experience in the first railway e-ticket pilot project in China.

  China Railway Corporation announced that from November 22, the railway department will implement the pilot e-ticket service in Hainan Island High-speed Railway, and strive to improve the travel experience of passengers and provide them with more convenient and efficient services.

  According to the person in charge of the relevant departments of China Railway General Administration, the existing railway passenger tickets are red bar code tickets and blue magnetic media tickets, both of which adopt real-name registration system, which integrates the functions of railway passenger transport contract vouchers, boarding vouchers and reimbursement vouchers, and passengers need to ride by ticket. The implementation of e-ticket means separating the functions of passenger transport contract vouchers, travel vouchers and reimbursement vouchers carried by paper tickets, taking electronic data as railway passenger transport contract vouchers, promoting paperless and diversified travel vouchers and gradually electronizing reimbursement vouchers.

  E-ticket is implemented. When passengers purchase tickets and enter the station and check in, they can directly use the second-generation ID card, foreigner’s permanent residence permit, Hong Kong, Macao and Taiwan residents’ residence permit, Hong Kong and Macao residents’ travel permit to and from the Mainland, and mainland travel permit for taiwan residents’s five machine-readable documents to self-check and check in. Passengers with machine-readable ticket purchase documents will be scanned by the staff at the special real-name verification gate and ticket gate, or their ID number will be manually entered to verify their arrival.

  The person in charge said that after the implementation of e-ticket, passengers’ procedures such as ticket purchase, ticket checking and riding will be more convenient and faster. According to the pilot situation, the railway department will further improve the e-ticket service plan and gradually promote it in the stations where high-speed trains and bullet trains stop, and in the stations where ordinary trains stop.

  Strengthen the response to influenza, and treat critically ill patients in hospitals with conditions.

  With the coming of winter, China is about to enter the epidemic season of influenza. The General Office of the National Health and Wellness Commission and the Office of the State Administration of Traditional Chinese Medicine issued a notice on November 21, requesting to further strengthen the medical treatment of influenza. All provinces (autonomous regions and municipalities) should set up an expert group on influenza medical treatment in their respective jurisdictions to be responsible for the training, technical guidance and consultation of severe and critically ill patients in their respective jurisdictions. In accordance with the principle of "concentrating patients, experts, resources and treatment", critically ill patients should be treated in qualified hospitals. Hospitals should allocate resources uniformly to ensure the treatment needs of critically ill patients with influenza, effectively reduce the occurrence of severe and critical diseases and reduce the mortality rate.

  The two departments require that health administrative departments at all levels should pay special attention to key groups such as the elderly, children, pregnant women and patients with basic diseases, and standardize treatment in a timely manner in strict accordance with the requirements of the Diagnosis and Treatment Plan. Medical institutions should ensure the timely and sufficient supply of antiviral drugs, and use antiviral drugs as soon as possible for patients who meet the "Diagnosis and Treatment Plan".

  In addition, primary medical institutions should combine their medical service capacity and patients’ condition, standardize consultation and counseling, case screening and other work, scientifically implement graded diagnosis and treatment, rationally divert patients, and try to treat mild patients in the community and isolate them at home. Smooth the green channel for referral and timely refer critically ill patients to higher-level hospitals.

  Carry out investigation and rectification of accident-prone road sections to protect public road safety

  In view of the hidden dangers exposed by the recent "10.28" bus crash in Wanzhou, Chongqing, the "11.3" major traffic accident on Lanhai Expressway in Gansu and the "11.13" major traffic accident in Xi ‘an, Shaanxi, the Ministry of Public Security recently issued an urgent notice to deploy the national public security traffic control department to conduct a centralized investigation and rectification operation on accident-prone sections from November 22 to the end of the year.

  According to reports, the accident-prone sections of this investigation are mainly sections where more than three traffic accidents causing deaths or more than one major traffic accident causing more than three deaths occurred within a certain mileage on expressways and ordinary highways in the past three years.

  The Ministry of Public Security requires that public security traffic control departments at all levels should complete the investigation before the end of the year. For the road sections with frequent accidents, they should put forward rectification suggestions according to the principle of one road section and one plan. For those with outstanding hidden dangers and great difficulties in rectification, they should increase their efforts to urge rectification. For key accident-prone sections that cannot be rectified in place for a while, it is necessary to strengthen command and guidance and order control, and timely release information on accident-prone sections to the public to remind the masses to pay attention to safe passage.

  The Ministry of Public Security also reminds the majority of traffic participants that they must obey the laws and regulations, drive carefully, appropriately reduce the speed, increase the following distance, pay attention to signs and markings, and be more careful when driving in bad weather such as rain and snow or at night to ensure traffic safety.

  Five-A-level tourist attractions add nine boutique tourism products for everyone to enjoy their trip.

  The Ministry of Culture and Tourism recently announced in official website that 9 scenic spots have been newly identified as national 5A-level scenic spots and 11 4A-level scenic spots have been delisted by the National Tourism Resources Planning and Development Quality Evaluation Committee. At present, there are 259 5A scenic spots in China.

  The nine new 5A-level tourist attractions include: Hongdong pagoda tree root-seeking ancestral garden in Linfen City, Shanxi Province, Ashatu Stone Array in Chifeng City, Inner Mongolia Autonomous Region, Tianyige Yuehu Scenic Area in Ningbo City, Zhejiang Province, Tengwangge Scenic Area in Nanchang City, Jiangxi Province, Three Kingdoms Chibi Ancient Battlefield Scenic Area in Xianning City, Hubei Province, Huizhou West Lake Scenic Area in Huizhou City, Guangdong Province, Detian Transnational Waterfall Scenic Area in Chongzuo City, Guangxi Zhuang Autonomous Region, Fanjing Mountain Scenic Area in tongren city, Guizhou Province, and City Wall and Monument in Xi ‘an City, Shaanxi Province

  Luo Shugang, Minister of Culture and Tourism, pointed out at the awarding ceremony of the new 5A-level tourist attractions held recently that A-level tourist attractions cover many high-quality resources in China and are one of the core elements of tourism development. They have become the benchmark of China’s fine tourism products, and 5A-level tourist attractions have become a gold-lettered signboard widely recognized by the masses and deeply recognized by the market. In recent years, China’s tourism industry has flourished and made remarkable achievements in strengthening the protection and utilization of resources, guiding tourism consumption, promoting employment and promoting regional economic development.

  Off-campus training institutions will realize nationwide online inquiry and supervision of white lists and blacklists to make parents feel at ease.

  According to the website of the Ministry of Education, the management service platform of the national primary and secondary school students’ off-campus training institutions developed by the Ministry of Education will be launched soon, and the national primary and secondary school students’ off-campus training institutions approved by various places are expected to realize online inquiry through the national unified Internet platform. On November 19th, the Ministry of Education held the application training for provincial users of the management service platform of the national off-campus training institutions for primary and secondary school students in Beijing, and the responsible comrades and platform operators of the relevant departments of the provincial education administrative departments participated in the training.

  The meeting pointed out that all localities should make good use of the platform, systematically complete the arrangement, rectification, approval, discipline training filing and social supervision of off-campus training institutions, publicize the relevant policies, white lists, blacklists, discipline training courses and other information of off-campus training institutions to the public, accept complaints from the masses based on the platform, realize the fine management of the whole process of off-campus training, facilitate the masses to understand relevant information, and widely accept supervision from all walks of life.

22 Dodge Hellcat Wide-body Red-eye Edition offers a discount of 100,000 yuan.

Tianjin xingtianxia automobile sales co., ltd

  The company is located in the Free Trade Zone of Tianjin Port with registered capital; 5000W, business area of 1000M, mainly engaged in overseas parallel imported cars. Committed to the distribution of luxury and super-luxury brands of cars, such as: Porsche, Mercedes-Benz, BMW, Audi, Land Rover, Toyota, Bentley, Rolls-Royce, Ferrari and so on.

  Enterprise goal: professional, honest, excellent product supplier, trusted by customers and preferred brand supplier.

  Business philosophy: professionalism, honesty and trustworthiness.

  Service tenet: the most reasonable price, the most perfect service, provide the best quality car source, exchange service and sincerity for your trust and support, mutual benefit and create a win-win situation. Our company is willing to cooperate wholeheartedly with colleagues from all walks of life at home and abroad to serve you.

  1。 All the models sold by our company are foreign first-hand resources, which are put on the market after strict inspection by the customs, and the national six emissions can be registered and settled in the whole country.

  2。 Brand-new vehicles and provide national legal procedures (customs clearance, commodity inspection list, certificate of conformity, environmental protection list, purchase tax application form, electronic information form invoice)

  3。 Free shuttle bus for customers from other places.

  4。 The company provides insurance, installment, licensing, modification, and other car purchase follow-up services. All the models sold by the company are foreign first-hand resources, which are strictly tested by the customs and put on the market. The national six emissions can be registered and settled in the whole country.

 23 hellcats red-eye version 6.2T SRT

  Status: Now the car has complete procedures, and the car can be picked up at any time, with complete colors and multiple colors to choose from.

  Color: Smoked gray and black/black interior

Sales Manager: Yang Jingli 18920724444 (same as WeChat)

  Configuration: midnight metal exterior badge Redeye fender badge-2 pieces SRT grille badge SRT spoiler badge Dark engine steering interior Nappa leather seat with Alcantara decoration Front heating seat Front ventilation seat heating steering wheel Advanced stitching instrument panel Power tilting/telescopic steering column Radio with memory setting, Suede door trim panel with map bag for driver’s seat and rearview mirror midnight metal exterior badge Redeye fender badge-2 pieces SRT grille badge SRT spoiler badge HARMAN/KARDON audio group harman/kardon 18 speaker audio system harman/ Kardon GreenEdge amplifier surround sound trunk installed bass Laguna leather front heating seat front ventilation seat heating steering wheel Laguna leather door trim advanced stitching instrument panel power tilting/telescopic steering column radio, driver’s seat and rearview mirror power sunroof with memory setting 275/ 40ZR20 P Zero Summer Tire Pirelli brand tire UCONNECT 4C NAV 4G LTE Wi-Fi hotspot with 8.4-inch display 8.4-inch touch screen supports Apple CarPlay for more information,Please visit DriveUconnect.ca Google Android car GPS antenna input GPS navigation hands-free telephone communication HD radio integrated central stack radio media hub with 2 USB ports and auxiliary input jack SiriusXM satellite radio. Subscription 1 year 1 year SiriusXM Guardian Subscription SiriusXM Traffic SiriusXM Travel Link 5 years SiriusXM Travel Link Subscription USB Mobile Projection Black Brake Caliper Cold Detector Red Eye Required.

  22 Dodge Challenger Hellcats, with rough appearance and hot performance, are a special product of America’s post-war prosperity in the 1970s, with simple violence. This is an American locomotive. Hellcats carry the American dream since the 1970s. This is a pure speed machine, 22 Dodge Challenger Hellcats, and only a handful of people in China know this brand, not to mention finding a pure Hellcat on the road. Sales Manager: Yang Jingli 18920724444 (same as WeChat)

  The aggressive front face of 22 Dodge Hellcat wide-body red-eyed cat muscle sports cars is the most striking place, like a shark with a big mouth, which is quite powerful. The integrated taillight uses 164 LED light sources, and the tail wing improves its stability at high speed. 22 Dodge Hellcats Wide-body Red-Eye Cats From the front of the car, the two headlights are as sharp as eagle eyes, and the flexible lines of the whole body overflow with an aura. If you like passion, sports cars and speed, 22 Dodge Hellcats are the best choice.

  The 22 Dodge Hellcat wide-body red-eye cats are equipped with a 6.2L V8 supercharged HEMI engine with an output of 808 HP (797 British HP) /960 Nm, which is called the muscle car with the highest horsepower acceleration, the fastest speed and the fastest mass production. 0-96 km accelerates for 3.4 seconds, 0-400 m accelerates for 10.8 seconds, the tail speed is 210 km, and the top speed is 327 km/h. It is also equipped with "ejection preparation" Line Lock mode, which can easily burn tires in situ.

  The tail wing added above the rear of 22 Dodge Hellcats wide-body red-eye cats improves its stability at high speed, while the bottom spoiler and large-caliber double-tail row more thoroughly demonstrate its powerful performance. The lines on the side are more rough and overbearing broken lines, which are very muscular. They are equipped with 20-inch Group 2 alloy wheels and NTOS racing tires, which have excellent grip.

The Evolution of Honda Accord (Accord 1-10th Generation)

The first generation SJ/SM model (1976-1981)

  Do you know that?/You know what? At first, it didn’t appear as a medium-sized car, but as an authentic compact car, and it still appeared as a three-door hatchback model. It didn’t appear until 1977 in the form of a sedan. The emergence of the new model is due to the market vacancy to be filled, so that consumers who are interested but want more advanced models can have a choice.

The second generation SY/SZ/AC/AD model (1981-1985)

  The second-generation car set many firsts. It is the first Japanese car produced in the United States, the first car equipped with inertial navigation instrument, and the best-selling Japanese car in the United States. The American-style car modified in the middle period is also equipped with PGM-Fi EFI technology independently developed by Honda. In this generation, four-speed automatic transmission and three-valve engine per cylinder all appear in the configuration list.

The third generation CA1/2/3/4/5/6 (1985-1990)

  The third generation car is my personal favorite car, because it uses the jumping lamp design and looks particularly avant-garde. Of course, this model’s powerful place is not only avant-garde, but its B20A engine is made of all-aluminum material, so its weight is much lighter than the popular cast iron material at that time, making it the best engine at that time. In addition, the third generation is Honda’s first car with four-wheel double wishbone suspension.

 The fourth generation CB1/2/3/4 (1989-1994)

  In this generation, Honda canceled the three-door hatchback model, only four-door cars, American-made station wagons and two-door models. This generation of cars is characterized by a larger cabin space, and the classification in the American market has changed from compact cars to medium-sized cars. However, in the Japanese market, because the car width is still 1695mm (lower than the legal 1700mm), it is still a small automatic car. The fourth-generation model has also been the best-selling model in the United States for three consecutive years.

The fifth generation CD3/4/5/6 model (1993-1997)

  This generation of Japanese-style cars have a width of more than 1700mm, so they are classified as ordinary automatic cars in Japan (the tax is higher than that of small automatic cars). The biggest highlight of this generation of models is that the engine is more advanced than the original four-cylinder model, and the V6 engine is also introduced.

 The 6th generation specification for North America and Asia-Pacific region CG1/2/3/4/5/6 (1997-2002)

  This generation is the first time to appear in the domestic market in the form of formal joint venture. In that era when car sales were not very hot, more than 30,000 cars were sold in just one year after listing, and by the time production stopped in 2002, 130,000 cars had been sold, which made the China market contribute a lot to the sales.

The 7th generation specification UC1 for North America and Asia Pacific (2002-2008)

  To be honest, I think this generation is "strange" in appearance. Of course, this is only a subjective view, and many people think this generation looks young and dynamic. Guangqi Honda had high hopes for the Seventh Generation, and the result was not disappointing. It is not difficult for me to sell more than 10,000 cars a month, and it is also the first mid-level car with cumulative sales exceeding 500,000 cars in China.

The 8th generation CP1/2/3 CS1/2 (2008-2013)

  This generation is the most imposing, steady appearance and textured interior design, which is not comparable to the younger seven generations and the smaller nine generations. This generation of cars is also sold in Japan under the name of.

Ninth generation CR1/2/3 (North America) 5/6 (2013-2016) CR7 (mid-term modified model 2016 -2018)

  In the ninth generation, North American models and Japanese-made models finally merged again, but the ninth generation models also decided to withdraw from the ranks of European Honda. North America was listed at the end of 2012, but Japan was not officially published on the website until May 31, 2013. The mainland market was officially listed in September 2013, and there were three power supply options: 2.0L, 2.4L and V6 3.0L (there are still V6 3.5L models abroad), and then hybrid models were introduced. In addition, there are still two-door models for the North American market.

The tenth generation (2018-present)

  In July 2017, Honda 10th Generation was officially released to the public, and it began to be manufactured in North America in October 2017. Compared with the previous generation, this generation looks very young. Originally, this class of cars tended to have a stable and mature design language, but it is an irresistible trend to be younger, and this generation also conforms to it, much younger than before.