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)

　　Xinhua News Agency, Tianjin, February 2 (Reporter Zhou Runjian) beginning of spring is the first of the 24 solar terms in the lunar calendar. In many people’s impression, February 4th is usually the right day in beginning of spring, but this year it is February 3rd in beginning of spring. Astronomical experts said that the 3rd beginning of spring is rare, the last time happened in 1897, 120 years ago, and the next time happened in 2021.

　　It is understood that 24 solar terms is divided according to the position of the sun on the ecliptic (that is, the earth’s orbit around the sun). Depending on the sun starting from vernal equinox (longitude zero, at this moment the sun shines vertically on the equator), every 15 degrees forward is a solar term; After running for a week, I returned to vernal equinox, which is a tropical year, which is 360 degrees, so it is divided into 24 solar terms.

　　Shi Zhicheng, a member of Chinese Astronomical Society and director of Tianjin Astronomical Society, said that the length of a tropical year is 365.2422 days, so the average time period of each solar term in the Gregorian calendar year is about 15.25 days, and its starting date is generally fixed. However, the annual apparent motion of the sun is not uniform, and the length of the calendar year is also different, with 365 days in a normal year and 366 days in a leap year, so the specific time of solar terms will change slightly.

　　For the same solar term, every year is 6 hours or 5 hours behind the previous year, and in leap years, it is 24 hours ahead of schedule. In this way, the reflection on the date is that the same solar term remains unchanged or lags behind by one day in the normal year and the previous year; In leap year, it remains the same as the previous year or one day earlier. In this way, the starting point of the same solar term has three different Gregorian calendar dates. Take beginning of spring as an example, there are three situations: 3 February, 4 February and 5 February.

　　Shi Zhicheng said that the statistics from 1900 to 2000 showed that there were only February 4th and February 5th in beginning of spring, but there was no February 3rd, while the statistics from this century showed that there were only February 3rd and February 4th, but there was no February 5th in beginning of spring.

　　"According to the astronomical almanac, beginning of spring is the most common on the 4th. Although beginning of spring on the 3 rd or 5 th is rare, it is also a normal calendar phenomenon, and the public should face it with a normal heart. " Shi Zhicheng stressed.

In the past two months, Xia Yiping has personally tested his own products for many times, and successively conducted a series of "violence tests" on the new car Extreme Yue 07, such as the unlocking test of the frozen electric door at MINUS 18℃, the collision challenge of the damaged car and the extreme rollover test, which showed the powerful safety performance of the automobile robot in the most intuitive way. During this period, Xia Yiping said frankly: "What netizens care about is what I want to test personally, focusing on the truth."

It is precisely because of the full self-confidence in our own products and the ultimate pursuit of user experience that on September 12th, Xia Yiping, CEO of Extreme Yue, launched the challenge of live intelligent driving across the river in Xuzhou, with the protagonist still being Extreme Yue 07, known as the "strongest smart car". You know, it’s only been two days since the official listing of Extreme Yue 07 on September 10, and a new round of challenges has been put on the agenda, with high frequency and great intensity. At the same time, the order of Extreme Yue 07 exceeded 5,000 units in only 48 hours, of which the 880km long battery life version accounted for 75%, and the ASD high-end intelligent driving option rate was as high as 76%.

Speed up the pontoon bridge, and you will be fearless of the "Hell Class" test.

This time, a floating bridge with a total length of 200m, a width of 3.2m and a distance of only 0.5m from the water surface was set up. The bridge is a temporary structure and does not exist on the map. The test was conducted many times during the day and night, during which Xia Yiping, CEO of Extreme Yue, conducted a live broadcast of the whole test. Because it is an unconventional road with no obvious lane lines, and there are three cone-barrel bypass areas on the pontoon bridge, the narrowest part only supports vehicles to barely pass, even if the old driver drives through manually, there are certain risks, so this test is a pure "hell-level" test for the pure visual high-order intelligent driving ability of Extreme Yue 07.

The scene is soul-stirring, but the performance of Extreme Vietnam 07 is inspiring. A total of 5 times, I drove across the bridge, and I successfully challenged the 07 in succession.

Especially in the dim light environment at night, the edge of the pontoon bridge can hardly be seen by human eyes, and Extreme Yue 07 is still very clever even without obvious lane lines. With pure vision and high-order intelligent driving, it has always kept the vehicle in the middle position, and successively slipped through the most difficult cone-barrel bypass area, and arrived safely at the other side with a car full of people at a constant speed.

Xia Yiping said excitedly: "One safety is accidental, and five safety passes are inevitable. We are full of confidence in our intelligent driving, so it is the same to challenge 100 times again."

More reliable than the old human driver, the purer the vision, the more you can drive.

2024 is a breakthrough year for intelligent driving technology. The intelligent driving scheme of "lidar+high-precision map+rule algorithm" with high price, imperfect cloud point information and relatively low reliability is about to become a thing of the past, and the "pure vision+end-to-end big model" with faster iteration speed, higher algorithm upper limit, more information and the most human-like perception mode is gradually becoming the mainstream.

As the only pure visual high-level intelligent driving brand in China/the only one in the world, Extreme Yue is undoubtedly at the forefront of AI intelligent driving and continues to lead the breakthrough of high-level intelligent driving.

Thanks to the homologous technology of Baidu Apollo L4 autopilot, the "pure vision+end-to-end big model" is based on Baidu’s data accumulation for many years, and the trained perceptual end-to-end model has obvious advantages in both rainstorm scenes and ultra-long-distance recognition. The ASD intelligent driving recognition distance of Extreme Yue 07 is up to 250m, even the mineral water bottle within 200m can be accurately recognized, and the perception ability exceeds the mainstream lidar scheme.

In addition, the speed recognition accuracy of ASD intelligent driver for moving obstacles can also be controlled within the error range of 0.1m/s, railings, guardrails and construction obstacle lights on or around the road can be recognized, and obstacles can be avoided by actions such as slowing down, stopping or bypassing, leaving more safe distance, and the degree of slipping around obstacles is as intuitive as that of an old driver.

Thanks to the joint decision of ASD, Extreme Yue 07 can accurately identify the static cone-bucket obstacles on the pontoon bridge, and the detour is smoother, with a calm, safe and steady driving performance throughout.

With the official listing of Extreme Yue 07, consumers can already buy the world’s preferred AI smart car with an investment of over 100 billion yuan at a "real fragrance" price of less than 20w.

In addition to the stunning AI aesthetic design and immersive luxury intelligent cabin, the entry-level version of Extreme Yue 07 comes standard with lane keeping, parking assistance, high-speed elevated navigation assistance and 16 active safety functions, which opens the navigation assistance of high-speed elevated domain to all users free of charge, truly realizing the equal rights of intelligent driving.

　　CCTV News:According to the website of the People’s Bank of China, recently, the People’s Bank of China issued the Measures for the Administration of Reports on Large Transactions and Suspicious Transactions of Financial Institutions (Order No.3 [2016] of the People’s Bank of China, hereinafter referred to as the Measures), which will be implemented on July 1, 2017. A few days ago, the relevant person in charge of the People’s Bank of China answered a reporter’s question about the Administrative Measures.

　　1. What is the background and main significance of the Administrative Measures?

　　The Administrative Measures, in combination with domestic work practice and international standards, revised and integrated the existing two regulations, namely, the Administrative Measures for Reporting Large Transactions and Suspicious Transactions of Financial Institutions (Order No.2 of the People’s Bank of China [2006]) and the Administrative Measures for Reporting Suspicious Transactions of Financial Institutions Suspected of Terrorist Financing (Order No.1 of the People’s Bank of China [2007]).

　　Since the implementation of the above two regulations in 2007, in the initial stage of China’s anti-money laundering work, they have played a positive role in guiding financial institutions to effectively fulfill their suspicious transaction reporting obligations. However, with the development and changes of the domestic and international situation and the deepening of anti-money laundering work, problems such as excessive defensive reports and insufficient effective reports have gradually emerged, which have affected the effectiveness of anti-money laundering work. To this end, the People’s Bank of China has successively issued the Notice on Further Strengthening the Anti-Money Laundering Work of Financial Institutions (Yinfa [2008] No.391) and the Notice on Defining the Relevant Implementation Issues of the Suspicious Transaction Reporting System (Yinfa [2010] No.48) and other normative documents to regulate how financial institutions can effectively fulfill their obligations of reporting suspicious transactions and avoid simply grabbing and submitting transactions that meet the suspicious transaction reporting standards through the system. In 2012, the People’s Bank of China selected 37 corporate financial institutions across the country to carry out comprehensive pilot projects on suspicious transaction reports, requiring the pilot institutions to independently define transaction monitoring standards in light of their own conditions, and submit suspicious transaction reports on the basis of reasonable suspicion in combination with manual analysis. These efforts have laid a solid foundation for the revision of the existing two regulations and the promulgation of the Administrative Measures. At the same time, the current reporting standards for large transactions can no longer fully meet the actual needs of anti-money laundering and combating and curbing related upstream crimes, so it is necessary to make appropriate adjustments to the reporting standards for large transactions.

　　In 2014, the People’s Bank of China officially launched the revision of regulations, repeatedly studied and demonstrated, and twice organized nationwide to solicit opinions and suggestions from financial institutions to ensure the scientificity and feasibility of the Administrative Measures. The Administrative Measures clarify the new requirements for financial institutions to effectively fulfill the obligation of reporting suspicious transactions at the regulatory level, which is helpful for financial institutions to improve the effectiveness of reporting suspicious transactions, to prevent and curb criminal activities such as money laundering and terrorist financing, to maintain the security and stability of China’s financial system, and to further integrate with international standards.

　　2. What are the main considerations for requiring financial institutions to report large-value transactions and suspicious transactions?

　　According to the Anti-Money Laundering Law of People’s Republic of China (PRC), reporting large transactions and suspicious transactions is one of the three core anti-money laundering obligations that financial institutions should perform, and it also lays a solid data foundation for the People’s Bank of China to carry out monitoring and analysis of anti-money laundering funds transactions according to law. In practice, financial institutions automatically capture and submit large transactions through the system, and discover and submit suspicious transaction reports through customer identification, keeping customer identity data and transaction records, and conducting transaction monitoring and analysis. Based on the reports of large-value transactions and suspicious transactions submitted by financial institutions, the People’s Bank of China conducts active analysis, investigation analysis and international mutual investigation, transfers case clues to law enforcement departments according to law, and works with relevant departments to prevent and curb money laundering and terrorist financing and maintain financial security.

　　Three, compared with the current regulations, what are the main changes in the "management measures"?

　　The changes in the Administrative Measures mainly include the following four aspects: First, the requirements for reporting suspicious transactions based on "reasonable suspicion" are clarified, and the requirements for establishing and improving transaction monitoring standards, transaction analysis and identification, monitoring of terrorism-related lists, establishment of monitoring systems and record keeping are added, while the reporting standards for suspicious transactions in banking, securities and futures industries and insurance industries that are no longer in line with the development of the situation are deleted from the original regulations. Second, the RMB reporting standard for large cash transactions was adjusted from "200,000 yuan" to "50,000 yuan", and the statistical methods of large transfer transactions of financial institutions and the reporting time limit of suspicious transactions were adjusted. Third, the scope of application of the new regulations and the reporting standards for large-scale cross-border transactions in RMB are added. The reporting standard for large cross-border transactions denominated in RMB is "RMB 200,000". Fourthly, the contents of transaction report elements are adjusted, such as "Payee Matching Number" and "Equipment Code for Off-Counter Transaction" are added, and the elements such as "Report Date", "Filler" and "Name of Financial Institution" are deleted, and a more streamlined General Suspicious Transaction Report Element is designed.

　　4. What is the scope of application of the Administrative Measures? When will it take effect?

　　The Administrative Measures are applicable to institutions legally established in People’s Republic of China (PRC) that should perform anti-money laundering obligations according to the Anti-Money Laundering Law of People’s Republic of China (PRC) and other laws and regulations, mainly including policy banks, commercial banks, rural cooperative banks, rural credit cooperatives, village banks, securities companies, futures companies, fund management companies, insurance companies, insurance asset management companies, insurance professional agencies and insurance brokerage companies. Trust companies, financial asset management companies, enterprise group finance companies, financial leasing companies, auto finance companies, consumer finance companies, money brokerage companies, loan companies and non-bank payment institutions. Among them, "insurance professional agency company", "insurance brokerage company", "consumer finance company" and "loan company" are the newly added scope of application of the Administrative Measures.

　　The Administrative Measures came into effect on July 1, 2017. Considering that it will take some time for financial institutions to revise their systems, build their own trading monitoring standards and transform their systems. Therefore, the "Administrative Measures" gave financial institutions a transition period of half a year after their promulgation and before their implementation.

　　V. What are the specific requirements of the Administrative Measures for reporting large transactions? Is it necessary to submit a large transaction report for cross-border capital transactions?

　　The reporting standards for large-value transactions stipulated in the Administrative Measures are as follows: First, large-value cash transactions of natural persons and non-natural persons, with domestic and cross-border reporting standards of RMB 50,000 or more and foreign currency equivalent of USD 10,000 or more. Second, it is a large transfer transaction in a non-natural person’s bank account. The domestic and cross-border reporting standards are more than RMB 2 million and the foreign currency equivalent is more than USD 200,000. Third, large-sum transfer transactions in natural person’s bank accounts, with domestic reporting standards of RMB 500,000 or more and foreign currency equivalent of USD 100,000 or more, and cross-border reporting standards of RMB 200,000 or more and foreign currency equivalent of USD 10,000 or more.

　　For cross-border capital transactions, financial institutions shall submit large transaction reports. For example, if a natural person remits $10,000 overseas by cash or transfer through a banking institution, the banking institution that handles the business needs to report this transaction as a large transaction. The reporting standard for large-value cross-border transfer transactions of natural person customers "more than RMB 200,000" is a new standard in the Administrative Measures. The main considerations are as follows: First, with the gradual promotion of Shanghai-Hong Kong Stock Connect and Shenzhen-Hong Kong Stock Connect, the cross-border business of domestic residents will be gradually liberalized, and the cross-border RMB business of individual residents will be more frequent. Special RMB reporting standards will be designed to facilitate the regulatory authorities to grasp the cross-border RMB transaction data in time and carry out risk monitoring. Second, according to the existing system, the daily limit of cross-border RMB remittance between Hong Kong residents’ individual accounts with the same name and Taiwan Province residents’ individual accounts is 50,000 yuan, and cross-border RMB business under personal trade of residents is subject to unlimited management. The Notice on Optimizing the Information Submission Process of RMB Cross-border Receipt and Payment Information Management System (Yin Ban Fa [2013] No.188) stipulates that banks can submit individual RMB cross-border receipts and payments with a single amount of less than 200,000 yuan (inclusive), but they need to keep the detailed information one by one. On the whole, the reporting standard of large-scale cross-border transfer transactions of natural person customers in the Administrative Measures is determined as "more than RMB 200,000", which can strengthen the statistical monitoring of cross-border RMB transactions and better prevent risks related to cross-border RMB transactions.

　　It should be noted that according to the Administrative Measures, the People’s Bank of China can adjust the reporting standards for large transactions according to the needs of work.

　　Six, the "Administrative Measures" will report large cash transactions as "RMB 50,000" and "foreign currency equivalent of 10,000 US dollars". What are the main considerations?

　　The Administrative Measures stipulate that financial institutions shall submit large-value transaction reports for cash deposits, cash withdrawals, cash settlement and sale, cash exchange, cash remittance, cash bill payment and other forms of cash receipts and payments with a single or cumulative transaction of more than RMB 50,000 (including RMB 50,000) and a foreign currency equivalent of more than US$ 10,000 (including US$ 10,000) on that day. For example, if a natural person purchases US dollar cash with RMB cash through a banking institution, and the single or cumulative transaction on the same day is more than RMB 50,000 (including RMB 50,000), the banking institution handling the business needs to report this transaction as a large transaction.

　　The "Administrative Measures" will adjust the reporting standard for large cash transactions from the current RMB 200,000 to RMB 50,000. The main considerations are:

　　First of all, strengthening cash management is an important part of anti-money laundering work. The international anti-money laundering supervision standards in the cash field are mostly strict. For example, the starting point for reporting large cash transactions in the United States, Canada and Australia is US$ 10,000 (or equivalent foreign currency), and the regulatory authorities can further lower the reporting standards for cash transactions in order to crack down on illegal and criminal activities in specific fields according to legal authorization. Secondly, the popularity, development and innovation of non-cash payment tools facilitate non-cash transactions, and residents’ preference for cash use is gradually changing. Normal payment needs can be met more quickly and safely through non-cash payment tools, which provides favorable conditions for strengthening cash management. Finally, the development of China’s anti-corruption, taxation, balance of payments and other fields also requires strengthening cash management to prevent the risk of using large cash transactions to engage in corruption, tax evasion, evasion of foreign exchange management and other illegal activities.

　　7. Does the Administrative Measures require non-bank payment institutions to submit large transaction reports?

　　The relevant provisions of the Administrative Measures apply to non-bank payment institutions. At present, the People’s Bank of China has more specific requirements on the anti-money laundering obligations that non-bank payment institutions should perform, such as the Administrative Measures on Anti-Money Laundering and Anti-Terrorist Financing of Payment Institutions (Yinfa [2012] No.54). After the "Administrative Measures" come into effect, the People’s Bank of China will revise and improve the reporting requirements for large transactions and suspicious transactions of non-bank payment institutions in a timely manner according to the actual situation.

　　Eight, "management measures" whether there are provisions on large transactions without reporting?

　　There are relevant regulations. According to the Administrative Measures, the types of large-value transactions exempted from reporting by financial institutions mainly include fixed-activity mutual transfer transactions under the name of the same customer of the same financial institution, transactions in which one party is the party, government and military organs, inter-bank transactions of financial institutions, taxation handled by banking institutions, correction of wrong accounts, interest payment, etc.

　　9. What are the specific requirements of the Administrative Measures for suspicious transaction reports?

　　The Administrative Measures stipulate that financial institutions shall submit suspicious transaction reports when they find or have reasonable reasons to suspect that customers, customers’ funds or other assets, customers’ transactions or attempted transactions are related to criminal activities such as money laundering and terrorist financing, regardless of the amount of funds involved or the value of assets. That is, to report suspicious transactions on the basis of "reasonable suspicion". Specific requirements mainly include:

　　First, financial institutions should monitor suspicious transactions throughout all aspects of financial business. Financial institutions should not only take reasonable measures to identify suspicious transaction clues in the process of customer identification, but also find out whether customers, funds or other assets and transactions are related to illegal and criminal activities such as money laundering and terrorist financing through screening, reviewing and analyzing transaction data. For ongoing transactions or transactions that customers try to carry out, financial institutions should also submit suspicious transaction reports if they find or have reasonable reasons to suspect that they are involved in money laundering and terrorist financing.

　　Second, financial institutions should also pay attention to whether customers’ funds or assets are related to criminal activities such as money laundering and terrorist financing. Assets include but are not limited to bank deposits, remittances, traveler’s checks, postal orders, insurance policies, bills of lading, warehouse receipts, stocks, bonds, bills of exchange and letters of credit, houses, vehicles, ships, goods, and other legal documents and certificates that prove the ownership and other rights and interests of assets in electronic or digital form.

　　Third, financial institutions submit suspicious transaction reports, and there is no requirement for the starting amount of funds or assets. If the amount of fund transactions suspected of terrorist financing activities may be small, financial institutions should still submit suspicious transaction reports according to the Administrative Measures.

　　Fourth, financial institutions should submit suspicious transaction reports within the prescribed time. The Administrative Measures stipulate that a financial institution shall "submit a suspicious transaction report in a timely manner within 5 working days at the latest after it is confirmed as suspicious transaction according to its internal operating procedures for suspicious transaction reporting".

　　In order to implement these requirements, financial institutions should, in accordance with the Administrative Measures, formulate suspicious transaction reporting systems and operating procedures, provide sufficient human resources and support for suspicious transaction reporting, establish and improve self-defined transaction monitoring standards, establish a fully functional and well-functioning monitoring system, do a good job in monitoring terrorist lists, strengthen manual analysis and identification of abnormal transactions with early warning by the system, keep relevant work records, and abide by confidentiality requirements.

　　X. The Administrative Measures defines the time limit for reporting suspicious transactions as "to submit the suspicious transaction report in a timely manner within 5 working days at the latest after it is confirmed as suspicious transaction according to the internal operating rules of this institution". What are the main considerations?

　　The original Administrative Measures on Large-value Transactions and Suspicious Transaction Reports of Financial Institutions (Order No.2 of the People’s Bank of China [2006]) required financial institutions to submit suspicious transaction reports within 10 working days after suspicious transactions occurred. However, under the new mode of reporting suspicious transactions based on "reasonable suspicion" in the Administrative Measures, there may be a big difference between the time when suspicious transactions occur and the time when suspicious transactions are identified and confirmed, which makes the original reporting time limit difficult to operate. The international common practice is to require financial institutions to submit suspicious transaction reports in time after confirming suspicious transactions. Therefore, the "Administrative Measures" defines the time limit for suspicious transaction reporting as "to submit the suspicious transaction report in time, no later than 5 working days, after it is confirmed as suspicious transaction according to the internal operating rules of the institution for suspicious transaction reporting".

　　It should be noted that "five working days" does not mean that financial institutions must complete all links from abnormal transaction warning to manual analysis and judgment within five working days, and submit suspicious transaction reports to China Anti-Money Laundering Monitoring and Analysis Center, but that financial institutions should submit suspicious transaction reports within five working days after being confirmed as suspicious transactions through internal early warning and analysis.

　　XI. What are the specific requirements of the Administrative Measures for financial institutions to monitor terrorism-related lists?

　　According to the Administrative Measures, financial institutions should follow the following requirements when monitoring the terrorism-related list: First, financial institutions should ensure the completeness and accuracy of the terrorism-related list and update it in time. Second, the scope of monitoring the terrorism-related list of financial institutions should cover all customers and their counterparties, funds or other assets. Third, financial institutions should conduct real-time monitoring of the terrorism-related list. Fourth, financial institutions should immediately conduct retrospective investigations on all their customers or their counterparties after the adjustment of the terrorism-related list. Fifth, if financial institutions have reasonable reasons to suspect that customers or their counterparties, funds or other assets are related to the terrorism-related list, they should immediately report them as key suspicious transactions and take freezing measures in accordance with the Measures for the Administration of Assets Freezing Related to Terrorist Activities (Order No.1 of the Ministry of Public Security of the People’s Bank of China [2014]).

　　It should be noted that financial institutions are obligated to perform the monitoring of terrorism-related lists, and they have the responsibility to actively obtain and master the list of terrorist organizations and terrorist personnel released and updated by the competent departments of the state. In order to facilitate financial institutions to grasp relevant information in a timely manner, the People’s Bank of China publishes the list of terrorism-related information under the anti-money laundering column of the official website, and the relevant supervision and management departments will also forward the list that needs to be implemented and concerned to the regulated institutions.

　　Twelve, the "Management Measures" require financial institutions to be equipped with full-time personnel to be responsible for reporting large transactions and suspicious transactions. What are the main considerations?

　　In practice, whether financial institutions conduct timely and effective analysis and treatment of abnormal transactions with early warning system, or pay close attention to the adjustment of terrorism-related lists at home and abroad at any time, and conduct retrospective investigation in time, they all put forward higher requirements for the professionalism and sufficient number of institutional personnel. Therefore, the board of directors and senior management of financial institutions should attach great importance to the reporting of large-value transactions and suspicious transactions, and allocate enough full-time personnel to take charge of related work. By optimizing the workflow of reporting large-value transactions and suspicious transactions, they should do basic work such as customer identification, identity data and transaction record preservation, improve the setting of transaction monitoring indicators and related system functions and other supporting measures to ensure that full-time personnel can effectively carry out monitoring and analysis work.

　　Thirteen, in recent years, what measures has the People’s Bank of China taken to improve the suspicious transaction reporting system?

　　Since the promulgation of the Administrative Measures on Large-value Transactions and Suspicious Transaction Reports of Financial Institutions (Order No.2 of the People’s Bank of China [2006]), the People’s Bank of China has been actively taking measures to improve the suspicious transaction reporting system and promote the effective implementation of the suspicious transaction reporting system. For example, the People’s Bank of China has successively issued a series of normative documents, such as the Notice on Further Strengthening the Anti-Money Laundering Work of Financial Institutions (Yinfa [2008] No.391) and the Notice on Defining the Implementation Issues of the Suspicious Transaction Reporting System (Yinfa [2010] No.48), to clearly distinguish the different regulatory requirements for abnormal transaction reports from suspicious transaction reports, so as to reduce the defensive reporting behavior of financial institutions. In 2012, the People’s Bank of China launched a comprehensive pilot project of suspicious transaction reporting with independent definition of abnormal transaction monitoring indicators in 37 corporate financial institutions to test the effectiveness and feasibility of the new model of independent definition of monitoring indicators. Since 2013, the People’s Bank of China has successively issued suspicious transaction types and identification points for upstream crimes of money laundering, such as illegal fund-raising, underground money houses, terrorist financing, etc., issued multiple risk warnings, and issued a notice to strengthen the monitoring of terrorism-related lists and fugitives lists, guiding financial institutions to do a good job in monitoring and analyzing suspicious transactions and monitoring lists. At the same time, through law enforcement inspection, supervision visits, classification and rating and other regulatory measures, financial institutions are urged to continuously improve suspicious transaction reporting and improve the quality of suspicious transaction reporting.

　　XIV. What progress has financial institutions made in suspicious transaction reporting in recent years?

　　Financial institutions have been strengthening and improving the monitoring and analysis of suspicious transactions and list monitoring in accordance with the requirements of the People’s Bank of China, and the effectiveness of suspicious transaction reporting has been continuously improved. At present, financial institutions have generally strengthened the manual analysis and identification of abnormal transactions. Financial institutions have participated in the comprehensive pilot work of suspicious transaction reports with independent definition of abnormal transaction monitoring standards as the core, and implemented the requirements of suspicious transaction types, identification points, risk warnings and list monitoring issued by the People’s Bank of China. The ability of financial institutions to define abnormal transaction monitoring standards has been verified and strengthened, and the professionalism and intelligence of monitoring and analysis have been continuously improved. While the overall number of suspicious transaction reports has dropped significantly, the quality of reports has improved significantly, and the number of clues transformed into cases has increased significantly, which has provided strong support for the country to prevent and combat money laundering and related crimes.

　　15. What will the People’s Bank of China do to guide financial institutions to effectively implement the relevant requirements of the Administrative Measures?

　　In order to guide financial institutions to effectively implement the Administrative Measures, the People’s Bank of China will fully listen to the opinions and suggestions of financial institutions, issue supporting normative documents as soon as possible, clarify specific work requirements such as suspicious transaction continuation report and suspicious transaction analysis report process, and issue relevant guidelines for financial institutions to formulate transaction monitoring standards in combination with industry best practices, guide financial institutions to establish and improve transaction monitoring standards and improve transaction monitoring systems, and strengthen guidance and training for small and medium-sized financial institutions. At the same time, the People’s Bank of China will issue specific reporting formats and reporting requirements for reporting elements of large-value transactions and suspicious transactions, and guide financial institutions to do a good job in the development of transaction reporting data interfaces and related systems. The People’s Bank of China is also stepping up the construction of the second-generation anti-money laundering monitoring and analysis system to provide more powerful system support for the monitoring and analysis of large and suspicious transaction reports.

As a standard post-90s generation, I think most young people’s aesthetics should be the same as mine, and they don’t like the same doll face. Young and stylish design is our dish.

In the domestic self-owned brand models, it seems that the MG brand has not served anyone, regardless of design.

Precipitate the brand in quality, and be advanced and beautiful in innovation. On July 3rd, 2023 models of quality cars were brand-new, equipped with "Double Top Ten" power combination, and their performance was improved in an all-round way, making them the strongest in their class. The sharp face value once again attracted the attention of a large number of young people. So today, I will actually drive for a long distance and test whether the fuel consumption performance of this "Yan Xiaosheng" is worthy of the "young man’s wallet".

At the same time of product upgrade, MG MG5 2023 launched a "limited time surprise price" of 57,900 yuan, which broke through the reserve price at the same level. It also enjoyed beautiful and advanced gifts such as daily supply as low as 0 interest in 10 yuan /24 issues, discount as high as 5,000 yuan, purchase subsidy as high as 5,000 yuan, and free basic flow for life, which truly achieved "value for money" and helped users "easily purchase". This time, with the guidance of user demand, the sense of value has climbed again, providing consumers with the first choice of buying a car within 100 thousand.

The new MG5 adopts the latest "third generation family design" language, which brings super-high face value and dynamic posture, especially the "shark-hunting" front face with downward dive lines, creating a full sense of low-lying movement.

In terms of details, the oversized shield-shaped front grille with the internal black "burning fire" grid design makes the whole front face extremely visual tension, and the matte plaques extending outward from both sides of the net can effectively enhance the visual width. The whole design is matched with a huge LOGO, which highlights the sense of movement.

In addition, MG5 is also equipped with a long, narrow and sharp headlight group. The interior design of the lamp cavity and the shape of the daytime running lamp also have a strong sense of design, giving people a very strong sense of visual impact.

The side of the car body is also pursuing a sense of movement, and the design of the slip back creates a coupe atmosphere, which undoubtedly adds fuel to the sense of movement of the whole car. The wheelbase of 2680mm also belongs to the mainstream level.

Compared with the front face, the shape of the rear of the car has a little more fullness, but the slightly raised duckwings and the rear surrounding bottom spoiler can still highlight a certain sense of movement. The bilateral chrome-plated exhaust port at the tail has a stronger sense of movement.

The rim is designed in black and silver, and the overall look is still very cool. ZEON C7 tire is used as the tire, with the size of 205/55 R16.

In terms of interior, this set of interior of the brand-new MG5 is different from other models of MG. Although there are many materials, it is good in hierarchical design. The steering wheel is moderately thick and feels good. At the same time, it has been punched in the hand position, but it only supports up and down adjustment in adjustment, which is not very friendly for taller friends.

The first impression of the 10.25-inch integrated suspension central control panel is good, and the functionality and fluency of the built-in VENUS system are also well received.

Advanced power, MG5 with high energy and low consumption is in place.

SAIC Blue Core 2.0 MEGA Tech blessing, 2023 models, all-round advanced upgrade, power leads the same class models, providing users with a smoother, smoother and more balanced travel experience. The 2023 MG MG5 provides two power combinations at the same time, which can meet the diverse needs of users.

A new generation of 1.5L high-efficiency power combination is equipped with a new 1.5L in-cylinder direct injection naturally aspirated engine, which adopts 350bar ultra-high pressure fuel direct injection system, intelligent thermal management system, advanced intelligent D- speed response timing technology, intelligent variable system, extreme antifriction technology, lightweight all-aluminum body, etc., which greatly saves fuel consumption, reduces emissions, saves energy and worries, and significantly improves power and quick response, from 129Ps to 158 N. At the same time of enhancing power, the model is equipped with an intelligent stepless gearbox simulating an 8-speed CVT. Combined with the characteristics of a 1.5L naturally aspirated engine, such as smooth power connection and linear speed increase, the driver can feel stable and abundant power output regardless of rapid acceleration or high-speed cruising, and the power is available with stepping.

1.5T Double Top Ten Power Technology was launched, equipped with the strongest MEGA Tech 1.5T high-pressure direct injection turbocharged engine in its class. With the support of 350bar ultra-high pressure fuel direct injection technology and ePower Control electronically controlled turbine technology, the maximum horsepower of MG5 2023 is increased to 181Ps. After the upgrade of instantaneous supercharging technology, its peak torque is increased by 20%+, and the maximum torque is optimized to 285N·m, and the dynamic response of starting and following the car is faster, and the response of following the car is increased by 2 times. The more you step on it, the more power output performance you have, so that drivers are always one step ahead of each other whether they are shuttling through the city or galloping at high speed, and the fuel consumption per 100 kilometers is as low as 6.47L, truly realizing the goal of high energy and low consumption.

Full quality, strength leading the new market of cars within 100 thousand

Adhering to the initial intention of "high-quality as standard", MG5 2023 started the journey of upgrading the user experience with high quality and high configuration, and achieved a better life with an "advanced" seat.

MG MG5 2023, with full marks from American businessmen, inherits the classic design aesthetics, which not only has a slip back design with extraordinary value, but also has an internal space that exceeds expectations. The widest body of the same class of 1842mm, the super-long wheelbase of the same class of 2680mm, and ample rear head and leg space have brought the internal space and comfort to the extreme, creating a first-class seating space. At the same time, this model provides comfort and convenience for users with rich and practical configurations, such as oversized sunroof, zero-gravity full-embracing seat, 360 HD panoramic image system+180 transparent chassis, intelligent keyless entry system, etc., which enhances the user’s high-value car experience in all directions.

Thanks to the global system, MG5 2023 adopts the world-class supply chain system, meets the European standard, completes the comprehensive road test of 5 million kilometers, and guarantees the quality style with the luxury quality control standard. The authoritative certification is reliable and durable, and MG5 won the first place in the product quality of its own brand compact car in the 2021 China Automobile Product Quality Performance Research Report. According to the "Research Report on Automobile Insurance Rate in China in May 2023", MG5 ranks the first in the insurance rate of independent compact cars within 100,000 with a one-year insurance rate of 74.0%, leading the new car market within 100,000. In just three years, the sales volume of MG5 has been rising steadily, and the preservation rate has remained at a high level, which further proves that the quality and strength of MG5 have been recognized by the public, making users worth buying and getting more value.

The test drive MG5 is equipped with an 8-speed CVT gearbox. In addition, a 5-speed manual gearbox is matched with the 1.5L engine. Matching the 1.5T engine is a 7-speed dual clutch gearbox.

Before the start of the race, we will drive the vehicles to the gas station, and the same person will fill all the vehicles up to the gun, excluding the influence of the refueling personnel. At the same time, after refueling, we will clear the vehicle odometer.

If the standard of the fuel-saving race is anything, it must be the seal on the fuel tank cover. In order to ensure the fairness of the competition and the truth of the data, the coaching staff put a seal on each car after the vehicle refueling was completed.

The distance of this competition is set from Anting Sinopec gas station to Suzhou Dongshan gas station, with a total distance of about 90 kilometers. Among them, expressways account for a large proportion. When driving at high speed, we keep the vehicle speed at about 80km/h, and in order to control fuel consumption, we don’t have a big foot accelerator and a big foot brake during the race.

The congested roads in the city are fatal to the performance of vehicle fuel consumption, and the stop-and-go driving state in the city will make fuel consumption rise sharply. If it is equipped with an automatic start-stop system, it is helpful for the fuel economy of urban road driving, but this MG5 is not equipped.

Because the vehicle adopts the power combination of 1.5L+CVT, the overall driving is much smoother than the vehicle, and the power output is very smooth whether driving in a low-speed city or accelerating at a high speed. However, in terms of absolute acceleration, this self-priming MG5 is obviously not as good as the turbo model. For the editor himself, I personally prefer smooth power output. (Non-competition time test)

During driving, our MG5 lane departure warning function is still sensitive, and the front camera can clearly identify the lane line. When the vehicle deviates, the reaction force and vibration to the steering wheel are still relatively large, which can effectively remind the driver.

The adjustment of the overall throttle and brake of the vehicle is relatively linear, and it takes almost no adaptation time to master it for the first time. The steering force of the steering wheel is adjustable in three levels, and it can be adjusted to the lightest mode, and it can be controlled with one finger. The overall virtual position is not big, and the directivity of the front is good. (Non-competition time test)

Although the adjustment of vehicle chassis tends to be comfortable, the road feeling is also obvious. Because the rear wheel of the vehicle is adopted, the vehicle can still feel the bounce of the rear wheel when crossing the pit. In addition, when power is needed to increase the engine speed, the engine noise will be transmitted to the car very obviously, and the tire noise is also obvious, so there is still room for improvement in the overall NVH performance.

After driving to the destination gas station, the coach tore off the seal and refueled until the gun jumped. Because everyone drives the same road section, the specific driving distance will not be too bad, and the fuel consumption directly determines the performance of each car.

According to the apparent data of the vehicle, the total driving distance is 88.2km, the average speed is 59km/h, and the apparent fuel consumption is 4.3L/100km.

According to the refueling amount of the tanker, the total refueling amount is 3.39L L. According to the actual calculation, the average fuel consumption of this journey is only 3.84L/100km, which is lower than the apparent fuel consumption. This performance is not bad for a compact car.

Editor’s comment: Because the displacement of MG5′ s self-priming engine is 1.5L, it is necessary to maintain a relatively high speed to have a better power performance when driving at high speed, which is a disadvantage compared with the turbo car, but from the final fuel consumption result, it is not easy for MG MG5 to run 3.84L/100km. Although we deliberately keep the skill of fuel-efficient driving when driving, we can’t deny the outstanding performance of MG5 in controlling the power system.

It’s really fragrant to have a charging pile at home, and the electricity bill is 160 yuan for two months. If you use oil, you can turn on the air conditioner in the urban area for more than eight times, but it will be enough if you don’t use oil and electricity. If you are afraid that the gasoline will expire, you will deliberately use it and add a new one. The mileage in pure electric mode is short and you can travel 100 kilometers.

Mercedes-benz, there is no room to say, and the same level feels the biggest. Moreover, I am mainly engaged in business, so I am the most satisfied with the space and design of Mercedes-Benz. The car weighs more than 2.2 tons. Because I often drive alone, it is still easy to accelerate and overtake. The big target is domineering at first sight, and it feels too commercial to set up the standard. I especially like the two ribs on the front engine room cover, which is very stereoscopic from the side.

The only thing the interior doesn’t like is that the new car smells a little strong, and everything else gets full marks. After all, how many Mercedes-Benz cars are not for the interior and the trident star emblem? Buying a car is uncomfortable, maintenance is expensive, insurance is expensive, and fuel consumption is not economical. The price/performance ratio is really out of the question. CarPlay is not full-screen, and both sides are ugly. After several uses, I don’t want to use it. It’s convenient to make a phone call without using it. Bluetooth plays music and comes with a map of Gaode, which can be controlled by voice.

Steady control. Actually, I want to get on the four-wheel drive 260. Really can’t wait for the car! I ordered 300 at first, and I didn’t have a car. It took two months to send a 350, so I changed it directly. The car weighs a little 2.2 tons. Mercedes-Benz chassis is very solid. I really want to cut into a sports mode and run. However, the road here is not strong, and the air suspension is really comfortable. It is a problem to filter the potholes, small stones and seat lumbar supports in the comfortable mode. After driving for a long time, the small partners in the group say so, and they don’t know what is going on. The seat is wide enough. Basically, the body contact parts are made of soft materials. The steering wheel feels quite good and very good. Thanks to the air suspension, the rear row is also very comfortable. Except that the rear row cannot be adjusted, and there is no electric sunshade, a 50w car will die if it is added with a sunshade. Air conditioning is still not as good as Japanese cars. To be honest, I often drive it to 20 degrees before I feel cold. The noise of this car can’t be said. The noise of the engine goes directly to the cab, and it’s ugly, so I usually turn on the music directly, because the rear tire is 275 tires wide, and the high-speed tire noise is also obvious. Noise control is really unacceptable. Then the brakes were empty, and the first quarter had no strength, and then suddenly it was so strong that it was uncomfortable. Unfamiliar people certainly can’t drive well, but they feel more linear. The brake disc may be large in front and back because of the weight of the car. If you can change it to a perforated plate in the future.

This car has only these 13 shortcomings:

The first is that the Internet of Vehicles operator is Unicom, and the signal is not good, so it cannot be replaced.

The second is that the after-sales service of the 4s shop is too poor. When buying a car, the seller said that the charging pile can be installed immediately after picking up the car. It has not been installed for more than two months, but it has been said that it is out of stock, and various calls have not been solved.

The third is that the sound of pure oil mode is no different from that of tractor.

The fourth is that it is really inconvenient to travel without a spare tire.

Fifth, the trunk is too small.

Sixth, the seat is not genuine leather.

Seventh, the smell inside the car is a bit strong. This price is really not worth it, just to buy a logo.

Eighth, the engine horsepower is a little small, the exercise mode is very expensive and the fuel tank is too small.

The ninth is that the screen installation is so ugly that it looks like adding it.

The tenth is the reduction! Too much castration, electric tailgate, seat ventilation, electric adjustment, central control panel atmosphere light, electric adjustment of steering wheel, etc., click and it’s gone! It is said that the next batch of cars will lose even wireless charging, alas. 500 thousand cars don’t have electric tailgates. I won’t believe anyone if I tell them!

The eleventh cup rack will affect the use of wireless charging.

There is a water cup holder in the back row of the twelfth row. You said that both of them are holding coffee, and who is holding it? Guess boxing?

The space in the thirteenth trunk is too small because of the battery pack, so I can’t put the driver’s car in it. I watched the driver’s car learning geometry space in the trunk with my blurred eyes in the cold wind. As soon as I got drunk, it was special! … put it in the back row …

　　Litchi newsIn the past 2022, the total import and export value of Jiangsu’s foreign trade reached 5.45 trillion yuan, a record high. In the middle of this month, Jiangsu issued a number of policies and measures on promoting the overall improvement of economic operation, clearly proposing to promote the stability and quality improvement of foreign trade and foreign capital. In the festive and peaceful atmosphere of the Spring Festival, a large number of foreign trade enterprises are busy. Foreign trade orders are pouring in, and employees stick to their posts and fight enthusiastically to meet the new year’s start.

　　These two days, Jin Yujia, head of the foreign trade business department of Yanlaisheng Weaving Enterprise in Changshu, Suzhou, is busy arranging proofing for overseas customers and speeding up production. During her trip to Europe last month, Jin Yujia visited seven countries with two boxes of samples to introduce carpets, fabrics, household clothes and other products to customers. Many customers took a fancy to their products and reached a considerable number of orders on the spot. Jin Yujia pointed to the photos in the tablet computer and said, "These are the blankets we sold in Carrefour in the Middle East. In a very core position, the customer took me to see his market, investigated the market together, and how to match the products according to the needs of the consumer groups. Therefore, during the Chinese New Year, I definitely can’t be idle. We have to prepare products."

　　During the Spring Festival, Zhou Gang, the general manager of Hongdou International, was still busy on the phone, and his team won more than 5 million US dollars in orders these days. "To achieve a good start in the Year of the Rabbit, because European and American countries do not have holidays, the docking of our work has been followed up." According to Zhou Gang, the orders just received are all summer clothes in 2023. Due to the tight delivery date, a series of follow-up work such as new product proofing and list production is on the line. "Our products have many analogies and fabrics are constantly innovating, so the demand for shirts and T-shirts as consumer goods has been relatively stable. We have started to arrange orders one after another today, because the summer models of European and American countries will be put on the shelves one after another in May, and we must arrange them at the first time. " Zhou Gang told Ping Xinjun that in 2022, Hodo Group Co.,Ltd.’s overseas orders for clothing will be about US$ 200 million, and he is full of confidence in further expanding this year.

　　As an important measure to stabilize foreign trade and strengthen foreign trade, Jiangsu has continuously organized a series of "going out to sea to expand the market" actions, which have achieved remarkable results: since the Nanjing international business flight "set sail", 361 local business groups have been helped to leave the country to expand the market to seize orders, and the amount of intentional orders reached exceeded 4 billion yuan; Suzhou’s economic and trade charter flights to Japan and Europe reached a total investment of 7.854 billion US dollars, and foreign trade enterprises received orders of 4 billion yuan; Wuxi’s economic and trade charter flights to Japan and Europe reached a total intentional investment of more than 1 billion US dollars, and foreign trade enterprises received orders of 90 million US dollars.

　　In the middle of this month, Jiangsu issued the "Several Policies and Measures on Promoting the First Overall Improvement of Economic Operation", which clearly stated that the provincial special funds for business development arranged 700 million yuan to support the steady improvement of foreign trade, promote the continuous expansion of export credit insurance and reduce fees, and support banks to provide safe, efficient and low-cost fund settlement services for new foreign trade formats and new models.

　　In the next step, the Jiangsu Provincial Department of Commerce will make concerted efforts to expand the market and stabilize the operation to support the steady improvement of foreign trade. First, we will launch the "Hundred Exhibitions to Expand the Market" campaign, support enterprises to participate in more than 100 overseas key exhibitions, grab orders and stabilize the share, and give no more than 80% subsidy for this booth fee. Set up an online zone of "Jiangsu Excellent Products" to guide foreign trade enterprises to touch the internet and accelerate the improvement of digital marketing capabilities. The second is to give full play to the positive role of export credit insurance and "Soviet trade loan" to help enterprises operate stably. In 2023, we will continue to allocate funds for export credit insurance premium support, continue to implement the unified insurance policy for small and micro platforms, continue to promote the expansion and fee reduction of export credit insurance, further expand the scale and coverage of underwriting, and reduce the rate of short-term insurance and the cost of credit. Give full play to the financing function of "Su Trade Loan", help foreign trade enterprises to improve their financing ability, and make every effort to expand the market and operate stably.

　　All parts of Jiangsu have also taken real money measures to protect orders, expand markets, smooth roads and increase confidence for foreign trade enterprises.

　　Before the Spring Festival, Changzhou’s first online "export e-loan" product landed, and Changzhou Jufeng Kejin E-commerce Co., Ltd., which is engaged in clothing export business, obtained a credit of 3 million yuan, which eased the urgent needs of enterprises. According to the person in charge of the enterprise, "the payment period of overseas customers is prolonged, basically 90 days, and we are basically 45-mdash with factories or suppliers; 60 days, for us, the financial pressure is still great. Especially during the Spring Festival, the factory will have an early holiday, and we all have to pay for the goods. ‘ Export e-loan ’ Exchange credit for credit line, simple approval, second approval and online operation, saving a lot of time. "

　　Wuxi, on the other hand, made full use of all kinds of special funds for foreign trade development, made every effort to stabilize the basic market of foreign trade, strengthened the follow-up service for 100 key foreign trade enterprises, solved the practical difficulties in the supply chain of industrial chain in time, and ensured the stable production and timely performance of enterprises. In addition, we will make every effort to help enterprises increase their profits, and launch the "Thousands of Enterprises and Ten Thousand People Negotiate Overseas to Expand Orders" action, and help advantageous enterprises such as new energy, machinery and equipment, textiles and clothing, motorcycles and electric vehicles to expand their markets by providing booth and air ticket subsidies.

　　Production runs at a high speed and the wheels accelerate forward. On the first day of the Lunar New Year, the first China-Europe train in the Year of the Rabbit in Xuzhou was loaded with local export products of Xuzhou, such as rubber tires and daily necessities, as well as foreign trade goods in the province, such as Little Swan clothes dryers, which were carried by Wuxi’s successive trains, and sailed for Russia. Gao Boyang, head of the marketing department of Xuzhou International Freight Train Co., Ltd., said, "This year, CEIBS will fully tap the local industrial characteristics and continuously upgrade and consolidate ‘ Banlie +’ Innovative results. " On the same day, the China-Europe train (Jiangsu) also set off in Nanjing, Suzhou and Lianyungang, respectively, blowing the horn of the new journey of the Year of the Rabbit.

　　Jiangsu’s foreign trade enterprises are actively planning "going out to sea" economic and trade talks while rushing for production and orders. Under the cold current, Jiangsu is striving to open up a new situation of economic development with stronger confidence and more enthusiasm, inspired by the call of "dare to do, dare to break through, dare to do and dare to take the initiative".

　　Jiangsu Radio and Television Media News Department Reporter/Yin Meiyou Litchi News Editor/Guo Wenjing

　　One international student with three opposite sex study partners? The "Buddy" project of Chinese and foreign students in Shandong University has caused controversy.

　　It is questioned that in 2018, Shandong University’s "study partner" program was upgraded to one international student with three on-campus students, and the participating students in the school were mainly girls.

　　On July 11th, the staff of the Propaganda Department of Shandong University Party Committee replied to The Paper that they were studying the matter.

　　On the afternoon of 11th, a teacher from graduate department of Shandong University told The Paper that the "Learning Companion" program was first implemented in 2016, and it was generally welcomed by students after implementation. "Students registered actively and gave better feedback". Regarding the questioning of online public opinion, the teacher said that it was a malicious misinterpretation.

　　Controversial "Learning Companion" Project

　　Shandong University’s "Learning Companion" project, which was exposed by netizens in Weibo on July 6th, caused controversy.

　　According to the blog post, an international student in Shandong University has three study partners. From one-to-one pairing in 2017, each international student in 2018 has three healthy study partners, forming a three-person study partner group, and the unsuccessful study partners are included in the study partner database.

　　The registration form of the student partner and the regulations on the management of the student partner do not evade the problem of the opposite sex student partner. In the application form, the gender of the study partner is particularly emphasized, and "making foreign friends of the opposite sex" is listed as one of the options, and it is marked in red at the head: "Please fill in the details as carefully as possible so as to match your favorite study partner".

　　Some netizens commented in the Weibo, "I really don’t understand, what is the intention of introducing those little girls who are not familiar with personnel or even have never talked about love to foreign male students as study companions?"

　　The Paper noted that an online document "Description of Shandong University on Holding Chinese and Foreign Students’ Learning Companion Activities" stated that it was legal and proper for Shandong University to hold Chinese and foreign "Learning Companion Activities". The "study partner" activity for Chinese and foreign students is an activity held to promote the study of Chinese and foreign students. Chinese and foreign students are study partners, and all of them are free to register, not to find study partners for international students alone.

　　On the morning of July 11th, The Paper asked the International Affairs Department of Shandong University for verification on this document. A staff member of the International Affairs Department told The Paper that the school had noticed the relevant public opinion and needed to contact the Propaganda Department for details.

　　The "Learning Partner" project was implemented in 2016.

　　The Paper found that the "study partner" program for international students in Shandong University was implemented in 2016.

　　In October 2016, the International Affairs Department of Shandong University published the Interim Provisions on the Management of the Student Companion Program of Shandong University (hereinafter referred to as the Provisions), which indicated that the Student Companion Program was an activity to increase the understanding and exchange between China students and international students and promote the internationalization of Shandong University students.

　　According to the requirements of the Regulations, the group participating in the "Learning Partner Program" is open to students who are officially registered in the whole school, and undergraduates, master students and doctoral students can participate. Students can participate in the "study partner program" for a maximum of one year, and can submit a written application to continue to participate after the expiration of the validity period.

　　In addition, the "Regulations" indicate that if you go out with your school partners, you must report to the relevant person in charge for approval. If you go out for more than one day, you must apply in writing and get approval before implementation.

　　On October 29th, 2016, a notice about recruiting foreign students as "study companions" was publicly released at the official website of the Graduate Association of Shandong University. The notice showed that students of study companions must have "a high level of English or Japanese, Korean, Russian and other foreign languages".

　　The Paper saw in an application form of Shandong University’s exchange students "study partner" downloaded from his official website that students who signed up should fill in the basic information such as name, gender and nationality, as well as dietary taboos, hobbies and specialties, and students with study partners can freely fill in the "gender of their desired study partner".

　　After the announcement of recruiting international students as "study partners", The Paper inquired in official website of Shandong University and found that Qilu Hospital College of Shandong University published the first batch of "college" matching results and the notice of the first meeting of "study partners" activities in official website on December 1, 2016. Official website announced that the activity received a total of 360 application information from 28 colleges of Shandong University, and 122 pairs of friendly "study partners" were successfully selected among 122 international students and 238 China students who registered.

　　Official website of Qilu Medical College issued the Notice on Announcing the Group Results of 2018 Students’ Partners and the First Meeting Party of Students’ Partners’ Activities. As of November 15th, 2018, the activities received a total of 270 registration information. Among the registered international students and China students, 141 China students and 47 international students have been successfully selected to form 47 friendly "study partner" groups.

　　Teachers and students of Shanda University talk about "study companions": overall evaluation is good, and friendly exchanges are enhanced.

　　On July 11th, 2016, the person in charge of Shandong University’s "Student Companion" recruitment plan told The Paper that "one-on-one" and "one-on-three" were maliciously misinterpreted by netizens. He introduced that at the beginning of the establishment of Shandong University’s "study partner" program, the purpose was to promote exchanges between Chinese and foreign students. Students signed up voluntarily, and "there is no ratio of one international student to three girls".

　　He said that after the implementation of the "study partner" program, it was welcomed by students. "The registration is positive and the feedback from students is better."

　　In response to insulting words such as "pimping" put forward by netizens, he said that in recent days, he has also received feedback from alumni. On the afternoon of July 11th, he contacted the International Affairs Department to inquire about the progress of this matter. He learned from the International Affairs Department that the school is currently discussing this matter and will give a reasonable explanation.

　　On the same day, a staff member of the Propaganda Department of Shandong University Party Committee replied to The Paper that he was studying the matter.

　　Xiaoyuan (pseudonym), a student of Shandong University School of Management who participated in the 2017 "Learning Companion" program, said that the "Learning Companion" program is mainly for students in the central campus and several nearby campuses. The participating students are distributed in various colleges, and the ratio of male to female is relatively normal. The situation of online transmission is not true.

　　She said that the "study partner" project includes a get-together. She attended the 2017 school reunion. According to her description, there were many students who participated in the party that night. Everyone came from all corners of the country and the atmosphere was very good. On that night, she met her friends from France, Pakistan, South Korea and other countries.

　　After getting to know each other at the party, students can keep in touch with each other. Usually, students in China will take their study partners with them. Most of the activities are to visit famous scenic spots in Jinan together, or to have dinner, drink coffee and play werewolf killing around the school.

　　Xiaoyuan said that more students still maintain online communication to help international students answer questions in campus life. "After all, everyone’s cultural backgrounds are completely different, and the probability of becoming international friends immediately is still quite low."

　　A 2016 boy from Shandong University said that study companions are a normal learning exchange program, which has been going on for several years.

　　The question about the internet changed from "one-on-one" to "one-on-three". The boy explained that the ratio of male to female in Shanda was originally a little more than that of female students, while the number of international students was generally a little more than that of male students. In addition, female students were generally more active than male students in participating in campus activities, so there was a situation of "three companions and one" mentioned in the news.

　　The boy said that the "study partner program" requires study partners to do tasks together, such as reading books and watching movies together.

The transformation of old urban residential areas is an important measure to enhance the sense of acquisition of ordinary people, and it is also an important content of implementing urban renewal actions. In the first half of this year, the renovation of old urban communities progressed smoothly. Recently, seven departments, including the Ministry of Housing and Urban-Rural Development, jointly issued the Notice on Solidly Promoting the Renovation of Old Urban Residential Areas in 2023 (hereinafter referred to as the Notice), demanding that the renovation plan of old urban residential areas in 2024 be reasonably arranged, indicating that China will continue to promote the renovation of old urban residential areas, which will benefit more urban residents.

Positive progress has been made in the transformation.

Ni Hong, Minister of Housing and Urban-Rural Development, said in an interview at the "Ministerial Channel" of the National People’s Congress this year that in the past five years, 167,000 old residential areas have been renovated nationwide, benefiting more than 29 million households and more than 80 million residents. In 2023, it is hoped that more than 50,000 old communities will be rebuilt, so as to benefit 20 million residents.

The data shows that from 2019 to 2022, in the process of renovation of old residential areas, all localities have renovated over 200,000 kilometers of aging pipelines such as water, electricity and heat letters, installed 70,000 elevators, added and upgraded 2.4 million parking spaces, added 63,000 charging piles for electric vehicles, and added 45,000 community service facilities such as old-age care.

Since the beginning of this year, the renovation of old residential areas has progressed smoothly. According to statistics from the Ministry of Housing and Urban-Rural Development, in 2023, the country plans to start the renovation of 53,000 old urban communities, involving 8.65 million residents. According to the data reported by local statistics, from January to June, 42,600 old urban communities were newly renovated nationwide, benefiting 7.42 million households, and the operating rate was 80.4% according to the number of communities. In terms of provinces, the operating rate of 11 provinces including Guizhou, Hubei, Jiangsu and Inner Mongolia exceeded 95%.

Up to now, 24,000 kilometers of aging pipelines such as water, electricity and heat have been newly renovated, 12,000 elevators have been installed, nearly 300,000 parking spaces have been added, 10,000 charging piles for electric vehicles have been added, 3,200 community service facilities have been added, and nearly 2 million square meters of leisure and fitness venues have been added.

According to the relevant person in charge of the Ministry of Housing and Urban-Rural Development, the transformation of old residential quarters focuses on the urgent problems of the masses. Through the transformation, the living environment, facilities and service functions of old urban residential quarters and old communities have been improved, meeting the needs of the people for a better life, and also playing a positive role in strengthening and improving grassroots social governance. It is not difficult to find that after some buildings are equipped with elevators, the "suspended old people" who used to go downstairs for a year or so can often go downstairs to bask in the sun and chat with the old neighborhoods. Some old communities have implemented barrier-free renovation to create a "barrier-free and loving" travel environment.

The travel experience of the disabled, the elderly and pregnant women is smoother. After the renovation of some old communities, convenience service facilities such as breakfast shops, repair shops and side dishes stations have been added, and the fireworks in the old communities have returned.

The "Notice" makes it clear that we should vigorously transform and upgrade residential quarters (including single-family residential buildings) that were built earlier, were out of care and disrepair, had obvious shortcomings in facilities and had strong residents’ willingness to transform, and focus on transforming old urban quarters that needed to be transformed before the end of 2000. Encourage qualified places to study and establish the mechanism of "finding problems through physical examination and solving problems through renovation" in residential quarters, explore the establishment of housing pension and insurance system, solve the problem of "where does the money come from", and form a long-term mechanism for renovation and construction of residential quarters.

Effectively solve difficult problems

How will the transformation of old urban communities be further promoted? On the "ministerial corridor", Ni Hong proposed that the renovation of old residential areas should focus on "corridor revolution", "environmental revolution" and "management revolution". The "Notice" also proposes to carry out a comprehensive physical examination of the old urban communities to be rebuilt, and identify potential safety hazards and shortcomings in facilities and services. According to the physical examination results and residents’ wishes, according to the sensible, quantifiable and evaluable working standards, the content, scheme and construction standards of the renovation are reasonably determined by "one community, one countermeasure", and the problems of difficulties, blocking points and pain points strongly reflected by the masses are effectively solved.

According to the relevant person in charge of the Ministry of Housing and Urban-Rural Development, to promote the "corridor revolution" in a down-to-earth manner is to speed up the renovation of aging and hidden dangers pipelines such as gas, water supply, heat supply, drainage, power supply and communication, and to rectify pedestrian walkways, exhaust flues, ventilation shafts, up and down paths, etc. in the building, and to carry out the safety rectification of residential external walls. Vigorously promote the installation of elevators in conditional buildings. Focus on promoting energy-saving renovation of existing buildings.

To further promote the "environmental revolution", it is necessary to add parking and charging facilities, as well as supporting facilities such as health, sports and fitness according to demand. Focus on the transformation of old urban residential areas, promote the aging and child-friendly transformation of public space and supporting facilities in old residential areas according to local conditions, strengthen the construction of barrier-free environment in old residential areas, make overall plans for the construction of community service facilities such as old-age care, nursery and meal assistance, and improve the service function of "one old and one small" in old residential areas.

To effectively implement the "management revolution" means to establish and improve a joint meeting mechanism with the leadership of grass-roots party organizations, the cooperation of community residents’ committees, the participation of owners’ committees and property service enterprises, and guide residents to negotiate and determine the management mode, management regulations and owners’ rules of procedure of the reformed community to jointly safeguard the transformation results. Actively guide qualified old residential areas to introduce specialized property service enterprises, improve the mechanism of using special funds for housing, and promote the maintenance and renewal of old residential areas to enter a benign track after renovation.

In the process of renovation of old residential areas, the renovation of installing elevators has attracted much attention. In recent years, the number of elevators installed in existing houses has continued to increase, and it has also become the focus to solve the problem that it is difficult for residents of high and low floors to reach a consensus when installing elevators. On June 28th, the National People’s Congress Standing Committee (NPCSC) passed the Law on Barrier-free Environment Construction in People’s Republic of China (PRC), which clarified the principle that barrier-free environment construction should be combined with aging renovation, and supported the installation of elevators in existing houses.

According to the relevant person in charge of the Ministry of Housing and Urban-Rural Development, the Ministry of Housing and Urban-Rural Development will "actively promote the installation of elevators in existing houses with conditions" and solve the problem of "difficulty in installing elevators" in old communities. Residents will be guided to jointly agree on the design, construction, fund sharing and follow-up management and maintenance plan for installing elevators to protect the people’s right to know, participate and supervise. It will guide all localities to actively solve the problem of "one-vote veto" in the process of residents’ consultation through grassroots consultation, dispute mediation and civil litigation. Efforts should be made to install elevators in the form of flat floors to achieve barrier-free access, encourage elevator enterprises to develop elevator products and technologies that meet the needs of installing existing houses, and encourage organizations to purchase elevator equipment in a centralized manner, so as to strive for preferential prices, high-quality after-sales service and quality assurance for residents.

Focus on eliminating potential safety hazards

In the process of rebuilding old urban communities, security issues are also highly concerned. Due to its long history, all kinds of pipelines and facilities are relatively old, and it is easy to have more security risks. Safety accidents caused by obsolete pipelines and facilities have occurred frequently in recent years.

In this regard, the "Notice" requires that pipeline units and professional technicians should be organized to conduct a physical examination and evaluation of the safety status of old residential areas by subcontracting to the film and taking responsibility to the people, focusing on fire-fighting facilities and public parts such as building roofs, external walls and stairs, as well as various pipelines and pipelines, so as to comprehensively identify possible safety hazards in old residential areas. For the discovered safety hazards, it is necessary to determine the safety management and control and hidden danger remediation plans in different categories, and speed up the implementation of rectification as a priority transformation content, ensure that the aging and facilities and components with safety hazards should be completely changed, guide relevant technical institutions to do a good job in inspection technical support, and speed up the elimination of safety hazards around the masses.

At the same time, residents should further improve their safety awareness and strive to form a consensus on transformation. For example, the replacement of rubber hoses for gas users, installation of gas safety devices at the user’s end, maintenance and replacement of aging pipelines such as indoor gas and water supply and drainage of residents will be included in the renovation plan of old urban communities, so as to guide residents to do a good job in cooperating with the construction and jointly maintaining the renovation effect.

In addition, in the process of renovation of old urban residential areas, the main responsibility of project quality and safety of all parties involved in the construction should be compacted and the construction site management should be strengthened. Take targeted measures to accurately eliminate all kinds of construction safety hazards, and effectively prevent and contain production safety accidents such as falling from a height, hitting objects, and lifting machinery injuries. Optimize the site layout, reasonably arrange the construction sequence, strictly control the construction vehicles, and minimize the impact on residents’ lives. Resolutely crack down on behaviors that harm the interests of the people, such as cutting corners and substandard construction quality.

The Ministry of Housing and Urban-Rural Development said that it will work with relevant departments to strengthen coordination and cooperation, compact local main responsibilities, urge and guide all localities to focus on serving the people, facilitating the people and ensuring the people’s safety, implement targeted transformation, speed up the elimination of potential safety hazards, and comprehensively improve the living environment, facilities and service functions, so that old communities can also have modern functions, and constantly enhance people’s sense of acquisition, happiness and security. (Reporter Kang Shu)

Original title:Will the social security card be reported lost if it is not activated for 300 days? Official question and answer

Recently, the topic of "social security card must be activated" has been hotly searched, and there is even a saying that "if you don’t activate the social security card for 300 days, you will be reported lost".

Many netizens wondered: Do social security cards need to be activated? The card in my hand is not activated, so I can use it normally.

In this regard, the reporter compiled relevant questions and answers according to the response of the Ministry of Human Resources and Social Security.

Q: Does the social security card need to be activated?

A: Social security cards have both social security and financial functions. Among them, the social security function needs to be enabled and the financial function needs to be activated.

Specifically, the social security function is mainly used for medical settlement, identity certificate, information recording, self-service inquiry and so on.

With the social security function of the social security card, you can purchase medicines for medical treatment, register for insurance, inquire about payment, transfer social security relations, and certify treatment qualifications. Financial functions are mainly used to pay fees, receive benefits, and make financial payments, such as using social security card bank accounts to pay social security fees, personnel examination registration fees, receive pensions, unemployment insurance benefits, work injury allowances, employment subsidies, and wages of migrant workers.

In some areas, social assistance, disability services, poverty alleviation targets, family planning targets, cultivated land grain subsidies and other financial subsidies for benefiting the people and farmers are also issued through social security cards.

The social security card can also be used as an ordinary bank card, which has the functions of debit card (savings card) such as cash deposit and withdrawal, transfer and consumption.

Q: How to activate social security function and financial function?

Answer: To enable the social security function, you can go to the social security service window or the social security card service bank outlet, or you can go through the electronic social security card APP and applet, the national social security government service platform (http://www.12333.gov.cn), the national social insurance public service platform (si.12333.gov.cn), the handheld 12333APP or the local social security card online service channel. For details, please consult the 12333 telephone service hotline. " 。

In many areas, when the cardholder receives the card for the first time or uses it for the first time, the social security function will be activated synchronously according to the authorization after completing the identity verification.

To activate the financial function, according to the relevant regulations of banking supervision, I need to go to the counter of the service bank marked on the card face with a valid ID card and social security card, and all the national outlets of the same bank can activate it.

At present, most parts of the country have completed the activation of social security functions and financial functions at the same time in the social security card service bank window.

Some areas explore extending the service bank window to the people’s social service hall, and the social security function and financial function can be activated in the people’s social service window.

For special people who are old, seriously ill, disabled, etc., they can provide on-site service according to relevant procedures, or handle services as agents.

Q: Is it true that "if you don’t activate your social security card for 300 days, you will be reported lost"?

A: No loss will be reported.

After receiving the social security card, the cardholder cannot use the bank account of the social security card if the financial function is not activated in time.

After activation, the bank account has not been operated for a long time, such as deposit and transfer of funds, and the bank will suspend the non-counter business of the account, and must personally go to the bank outlet to apply for recovery.

Neither of the above situations will lead to the loss of the social security card bank account.

Q: How to apply for a social security card?

A: If you don’t have a social security card yet, you can APPly for it from the local social service department through the social service outlets or online service platform. You can also apply for social security card online, enable social security functions, inquire about the progress of business card printing and other "inter-provincial services" through electronic social security card app and applet, handheld 12333APP, national government service platform and other channels. The social security card will be mailed to your home within 15 working days after the online application is approved.

With a physical social security card, you can also receive an electronic social security card.

Commonly used APPlication channels are: national government service platform, the State Council client WeChat APPlet, electronic social security card app and applet, "Pocket 12333”APP, social departments at all levels app and local government app; China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, Bank of Communications, China Postal Savings Bank, China Merchants Bank, Ping An Bank and local social security card service banks APP；; Alipay, WeChat, China Unionpay Quick Pass APP.

It is worth noting that from 2021, when individuals apply for the third-generation social security card, they will simultaneously complete the application for the electronic social security card.

The cardholder’s real name is logged into the social security card service bank APP, the social security department APP of the card issuing place, the electronic social security card APP and small programs and other simultaneous application channels, and the electronic social security card can be directly used with my consent.

Can I withdraw the housing accumulation fund when renting a house in Shanghai?

How much can I withdraw?

Recently, many netizens asked Jiefang Daily Shangguan News Message Board: If you want to rent a house in Shanghai, can you withdraw the provident fund? In this regard, the reporter inquired about the relevant policies and replied as follows.

Q: Can I withdraw the provident fund for renting a house? What conditions do applicants need to meet?

A: It can be extracted. The specific circumstances include: renting public rental housing that has been recognized by the competent department of the municipal government and brought into unified management according to law; Lease affordable rental housing that has been recognized by the competent department of the municipal government and incorporated into unified management according to law; As well as the situation that employees and their spouses have no self-owned housing in this city and rent rental housing in this city market according to law.

At the same time, in order to apply for withdrawal of housing provident fund for rental housing, it is necessary to meet the requirements that the applicant has continuously paid the housing provident fund in this city for 3 months, the applicant and his spouse have no housing provident fund loan, and there is no entrustment to withdraw the housing provident fund to repay the loan, and the applicant and his spouse can only withdraw the housing provident fund to pay the rental fee of a house.

Q: Is there a limit for withdrawal?

Answer: If you rent public rental housing in this city, you can withdraw it once a month, and the monthly withdrawal amount of each household does not exceed the actual rental expenses of the month. Lease the city’s affordable rental housing, you can withdraw it once a month, and the monthly withdrawal amount of each household does not exceed the actual rental expenses of the month, with a maximum of 4,500 yuan. Lease the market rental housing in this city, you can withdraw it once every quarter, and the monthly withdrawal amount of each household does not exceed the actual rental expenses of the month, with a maximum of 3,000 yuan. In addition, in line with the national birth policy, families with two or more children with at least one minor child, that is, families with many children, can rent housing in this city once a quarter, and the monthly withdrawal amount of each family does not exceed the actual rental expenses of the month.

In addition, it should be noted that the applicant can only choose one rental situation to withdraw the provident fund, and the extracted month cannot be withdrawn repeatedly. Families with many children also need to satisfy that at least one minor child has lived with the applicant or spouse in this city for more than half a year (including half a year).

Q: How long does it take for the rental housing to withdraw the provident fund?

Answer: If the acceptance is completed in the first half of each month, the first withdrawal fund will be automatically transferred from the applicant’s own housing provident fund account to the bank debit card account in this city designated by the applicant before the end of the month at the earliest; If the acceptance is completed in the second half of each month, the first withdrawal of funds will be automatically transferred to the debit card account of the bank in this city designated by the applicant before the end of the next month at the earliest. For the first time, please refer to the business application interface prompt and approval result SMS.