Local economic stabilization measures continue to release their effectiveness.

  In August, the economic recovery trend in Jiangsu Province was significantly enhanced. Compared with last month, the growth rates of industry, service industry, investment and consumption all showed an upward trend. From January to August, the industrial added value, investment in fixed assets and total retail sales of social consumer goods in Jiangxi Province increased by 7.3%, 8.5% and 5.6% respectively, which were higher than the national average … … The economic "transcripts" handed over by many places recently show that the economy continues to recover.

  However, some places also said that the current external situation is still complicated and severe, domestic economic recovery still faces many difficulties and challenges, and the foundation for sustained economic recovery still needs to be strengthened.

  How to stabilize the economy? The recent the State Council executive meeting intensively deployed this, emphasizing that "while implementing the package policy of stabilizing the economy, 19 successive policies will be implemented to form a combined effect, so as to promote the economic stabilization and keep the operation in a reasonable range". Streamline administration, delegate power, strengthen regulation and improve services ’ The reform measures will further promote the effectiveness of the package policy of stabilizing the economy, refine the implementation policy, and implement the detailed rules in early September. ""All localities should shoulder the responsibility of stabilizing the economy and protecting people’s livelihood, and provinces with large economies should take the lead and work together to consolidate the foundation of economic stability and promote stability. "

  From Jiangxi’s promulgation of "Several Successive Measures to Effectively Stabilize Economic Development" to Gansu’s formation of 24 policies and measures to stabilize the economy, and then to Shanghai’s emphasis on implementing a new round of national and municipal policies … … At present, while implementing the national macro-policies, all localities have further enriched the policy toolbox around areas such as expanding effective demand and stabilizing market players to protect people’s livelihood, so as to ensure the sustained release of policy effects.

  — — Give play to the key role of effective investment

  On September 22nd, the construction of Huaihong Xinhe Irrigation District in Anhui Province started with a total investment of 10.4 billion yuan. So far, all the six new large-scale irrigation projects promoted by the State Council this year have started. On September 21st, the centralized commencement of major water conservancy projects in Hubei Province was held at the site of the second phase of water resources allocation project in northern Hubei. The total investment of 19 projects started this time is 27.48 billion yuan, which will promote the construction of Hubei as the first batch of provincial water network pilot areas in China.

  Expanding effective investment is a key link in the policies and measures to stabilize the economy in various places. For example, Henan proposed that, in order to make full use of the economic stabilization package and the dividends from the following policies and measures, seize the key period and fight for the red throughout the year, we will focus on tackling key problems in important economic stabilization projects. Give play to the key role of effective investment in stabilizing the economic market, realize the annual growth of fixed assets investment by more than 10%, complete 2.8 trillion yuan, and strive to achieve an economic growth rate of more than 5.5% in the second half of the year, and the annual economic aggregate exceeds 6.3 trillion yuan.

  Jiangxi said that it will seize the policy-oriented development financial instruments and special bonds to increase the scale, expand the opportunities in the field, strengthen the project to sort out the reserves, accelerate the preliminary work of the project, win more support from the state, and ensure that the first batch of contracted projects will start construction before the third quarter. According to the principle of "landing, solid support and quick results", we will implement the "four major actions" of urban shantytown renovation, "big traffic" construction, rail transit in Nanchang metropolitan area and infrastructure construction in water conservancy, with a total investment of over 1 trillion yuan.

  — — Promote the accelerated recovery of the consumer market

  In Jiujiang City, northern Jiangxi Province, an online launching ceremony was held a few days ago for the Jiujiang Branch of the 2022 Jiangxi "Hundred Cities and Hundred Nights" Cultural and Tourism Consumption Season. During the event, nearly 100 supporting activities such as non-legacy shopping festival, camping music festival and food carnival will be held in counties (cities, districts) of Jiujiang City. According to the relevant staff of Jiujiang Wenguang New Tourism Bureau, the local government takes the creation of a national-level night cultural tourism consumption gathering area and a provincial-level cultural tourism consumption pilot city as the starting point, and actively cultivates a night consumption industrial system integrating night sightseeing and recreation, special catering, fashion shopping, cultural performances, fitness and entertainment, and immersion experience to further tap the consumption potential of domestic demand.

  In order to further accelerate the recovery of consumption, many places have made great efforts in promoting mass consumption and promoting the recovery of service industry. For example, Jiangxi emphasizes that it will continue to implement the vehicle purchase tax exemption policy for new energy vehicles and encourage new energy vehicles, smart home appliances and green building the countryside. Fully activate the consumption of business travel, continue to implement various policies to promote consumption, and study and introduce policies and measures to support the recovery and development of catering and accommodation industries.

  With the main promotion activities as the carrier, key consumption season activities will also appear one after another. Gansu proposed to organize a three-month key consumption season of "Enjoy Consumption and Buy Longyuan" in combination with the consumption promotion activities such as "2022 International Consumption Season", "100-city Linkage Automobile Consumption Season" and "National Household Appliances Consumption Season" organized by the Ministry of Commerce. Hainan proposed to issue 50 million yuan travel vouchers to tourists outside the province and 100 million yuan vouchers to residents in the province.

  — — Boost the development confidence of market players

  The key to stabilizing the economy lies in protecting market players. Many places have made great efforts to grasp the important window period and opportunity period of economic recovery, and made every effort to solve outstanding problems such as insufficient demand, weak confidence and weak expectations in the current economic operation, and adopted various measures to stimulate the vitality of market players and enhance market confidence.

  Shanghai said that it is necessary to implement a new round of policies of the state and the city on the basis of the previous implementation of the policy of helping enterprises to bail out difficulties, increase financial subsidies, tax relief, rent relief and other support, and take out real money to boost corporate confidence. Focus on all kinds of problems that affect economic development, find out the bottlenecks faced by enterprises in time, and study targeted measures in time.

  Gansu has put forward a series of preferential policies for market players, such as delaying payment, reducing financing costs, reducing taxes and fees, dissolving arrears of debts, increasing incentives and support for scientific and technological innovation, optimizing market supervision, and promoting employment and entrepreneurship, so as to help market players resume development.

  "From the perspective of local measures to stabilize the economy, the key point is to boost consumer demand, expand effective investment, and support the promotion of infrastructure in the fields of energy, water conservancy and transportation with greater efforts, especially the construction and implementation of major projects such as new energy and new infrastructure. In addition, comprehensively adopt fiscal and taxation financial means such as tax reduction and exemption, increasing financial subsidies and expanding credit supply to solve the pain points and difficulties of industrial development, further increase the efforts to help enterprises bail out, and enhance the vitality and development confidence of market players. " Sun Chuanwang, a professor at the School of Economics of Xiamen University, told the Economic Information Daily.

Krypton intends to delist from the NYSE and will be completely merged with Geely Automobile.

Geely Automobile Holdings Co., Ltd. (hereinafter referred to as "Geely Automobile") announced that in order to promote the deep integration and efficient coordination of internal resources, put an end to repeated investment and reduce costs, Geely Automobile plans to acquire all the issued shares of Krypton. Geely Automobile currently holds about 65.7% of the shares of Extreme Krypton. If the transaction is completed, Extreme Krypton will be completely merged with Geely Automobile, and Extreme Krypton will become a wholly-owned subsidiary of Geely Automobile, privatize and delist from the NYSE.

Geely Automobile said that Geely Group will create a unified listing platform and fully integrate extremely valuable assets and resources, thus enhancing the competitiveness of the Group’s passenger car business. This will also help the Group to determine the future strategic direction of Krypton to meet the global market and economic challenges. As Krypton is a global luxury electric vehicle technology brand facing the high-end luxury market, it is of great strategic significance for the Group to wholly control Krypton.

It’s the peak season of physical examination again. What should I check? How to check?

It’s almost the end of the year in a blink of an eye

It’s time for people to concentrate on physical examination again.

You can also see it on all major platforms.

Various medical examination packages

but

Are these medical examination packages really suitable for us?

Is it better to check as many items as possible?

01

"1+x" principle, accurate selection of physical examination items

Physical examination is not the more expensive, the better, and the more items, the better. What suits you is the best.

Physical examination is mainly divided into basic physical examination items and personalized physical examination items. The "1" mentioned here is the basic physical examination project.

1. General examination: including height, weight, waist circumference, hip circumference, blood pressure and pulse.

2. Physical inspection:

Internal medicine: heart, lung, abdomen (liver, spleen, kidney), etc.

Surgery: superficial lymph nodes, thyroid gland, breast, joints of spine and limbs, anus and external genitalia (male);

Ophthalmology: vision, intraocular pressure, external eye, internal eye;

Otolaryngology: external auditory canal, tympanic membrane, hearing, nasal cavity, sinus and throat;

Stomatology: oral mucosa, teeth, gums, temporomandibular joint, parotid gland;

Gynecology: internal diagnosis of vulva and pelvis (with sexual history).

3. Laboratory inspection:

Blood routine, urine routine, stool routine+occult blood;

Biochemical: liver and kidney function, four blood lipids, blood sugar, blood uric acid, etc.

Gynecological cervical cytology (with sexual history).

4. Auxiliary examination: electrocardiogram, chest X-ray or chest CT, ultrasound of liver, gallbladder, pancreas, spleen and kidney.

If you have no special needs or special medical history, you can directly choose the basic package for physical examination. For most people, by doing these basic checks, you can basically assess the overall health of your body, just once a year.

There is also an "X" part that can’t be ignored, that is, personalized physical examination items.

This part of the project is based on their age, gender, occupation, health status and family history, etc., and the cost will vary from person to person.

For example:

Those with family history of early hypertension, long-term mental stress, or dizziness, headache, dizziness and discomfort can be monitored by ambulatory blood pressure monitoring and vascular ultrasound.

Those with overweight and obesity, family history of diabetes, gestational diabetes, polydipsia, polyuria, polyphagia and weight loss can choose items such as body fat rate, vascular ultrasound, 2-hour postprandial blood sugar and insulin.

Those who have a history of smoking, chronic bronchitis and asthma can choose items such as lung function and chest CT examination.

Those who have a family history of breast cancer, a history of breast diseases, a history of chest radiotherapy, breast discomfort and abnormal nipple discharge can choose breast ultrasound, breast molybdenum target (over 35-40 years old) and other projects.

Women over the age of 21 with family history of cervical cancer, abnormal leucorrhea and vaginal bleeding can choose TCT, HPV and other items.

Those who have a family history of colorectal cancer, chronic colitis, intestinal polyp, colon adenoma and a long-term high-fat high-protein high-calorie diet can choose anal examination, colonoscopy and other items.

Those with family history of gastric cancer, gastric ulcer, gastric polyp, bad eating habits, or upper abdominal pain, emaciation, unexplained anemia (male) and melena (especially over 40 years old) can choose gastroscopy, Helicobacter pylori (Hp) and other items.

Men with family history of prostate cancer, chronic prostatitis, or dysuria and hematuria (especially over 50 years old) can choose prostate palpation, prostate ultrasound or magnetic resonance imaging.

Postmenopausal women, elderly men, people with low weight, insufficient calcium intake, less outdoor activities, or a history of systemic pain and fracture can be examined for bone mineral density, calcium, phosphorus, vitamin D and bone metabolism.

02

Keep in mind the precautions.

Avoid eating greasy food, drinking alcohol and overwork 24 hours before physical examination. Fasting for 6 ~ 8 hours before physical examination, because eating will increase the concentration of some components in the blood, which will affect the accuracy of the test results, such as liver and kidney function, blood sugar, blood lipids and so on. However, the longer the fasting time is, the better. If the fasting time exceeds 10 hours, the endogenous endocrine hormones in the body will change the blood sugar and other indicators, which cannot reflect the usual level and lose the significance of the test.

Wear loose clothes and try not to wear jewelry on the day of physical examination to facilitate physical examination; Ladies, please try to avoid the menstrual period.

Female gynecological B-ultrasound examination should hold urine. Only by filling the bladder can the problem be revealed. Many organs of the human body are in the pelvic cavity, surrounded by intestines. Only by holding the urine can the intestines be pushed open, clearly showing the uterus, ovaries and other organs behind the bladder.

03

Don’t cancel the inspection of 5 items.

When many people are checking, the parts of some physical examination items are relatively private, and many people "hide" and do not do it, with a high rate of rejection. In fact, if we give up these projects, many major diseases may be missed.

directeral rectun examination

Digital rectal examination is a simple, quick and less invasive examination. More than 80% of rectal cancer can be touched by digital rectal examination. In addition, besides checking whether there are anorectal diseases such as rectal tumor, hemorrhoids and anal fistula, it can also identify male prostate problems.

stool examination

80% patients with colorectal cancer are positive for fecal occult blood. The color and characteristics of feces are closely related to gastrointestinal diseases.

If you miss stool examination, you may miss digestive tract tumors including colorectal cancer, and you may also miss screening for diseases such as enteritis, dysentery, parasites, hemorrhoids and gastrointestinal bleeding.

electrocardiographic examination

Electrocardiogram examination is non-invasive, convenient and economical, which can help to identify heart diseases at an early stage and help to find myocardial ischemia, arrhythmia, myocardial infarction and cardiomyopathy in time. An electrocardiogram examination may avoid a cardiovascular accident.

gynaecological examination

Gynecological diseases have a strong concealment. Doctors check the internal and external genitalia through visual inspection, palpation and secretion sampling, so as to find gynecological diseases such as vaginitis and cervical lesions in time.

It is suggested that adult women have a routine gynecological examination once a year, and the best time for examination is 3 ~ 7 days after menstruation.

Breast palpation

Through breast palpation, we can know the breast hardness, tenderness, mass and its nature, which can help identify breast diseases or be a powerful aid of breast ultrasound. Don’t contradict breast palpation, the doctor will be more professional than self-examination.

Everyone is the first responsible person for their own health. It is not a wise choice to overdraw their health. Remember to love yourself for whatever reason ~

All rights reserved by China Medical News, and may not be reproduced and used without permission.

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IPhone 16 Pro, big price reduction

The "618" e-commerce promotion is about to begin, and Apple’s mobile phone is the first to cut prices.

On May 11th, Tmall announced that the official flagship store of Apple Store, the iPhone 16 Pro 128GB version, sold for 5999 yuan, with a discount of 2000 yuan. Add 500 yuan’s "national supplement" and the price is 5499 yuan. At around 18: 00 today, china securities journal CSI Taurus reporter noticed that the official flagship store iPhone 16 Pro 128GB version of Tmall Apple Store showed that it was sold out.

"Apple Store official flagship store" is an online store opened by Apple on Tmall platform. According to the news released by Tmall, the official flagship store of Apple Store will promote the iPhone 16 Pro again at 8 pm on May 16th.

In addition, on May 11th, the self-operated flagship store of Apple products in JD.COM showed that Apple products were on sale at reduced prices. After the iPhone 16 Pro is superimposed with the "national supplement", the hand price starts at 5499 yuan. Among them, the price of the iPhone 16 Pro 128GB version was reduced by 2,000 yuan, superimposed with the "national subsidy" discount in 500 yuan, and the hand price was 5,499 yuan; IPhone 16 Pro 256GB version has a price reduction of 1,400 yuan, superimposed with 300 yuan coupons, and the hand price starts at 7,299 yuan; IPhone 16 Pro Max 256GB version was reduced by 1400 yuan, and the price was 8199 yuan when 400 yuan coupons were added.

Analysts believe that Apple Tmall’s self-operated flagship store and JD.COM’s self-operated flagship store have reduced the price of iPhone 16 Pro products, indicating that Apple’s mobile phone is currently facing certain sales pressure. According to research institute IDC data, in the first quarter of 2025, the iPhone shipped 9.8 million units in the smart phone market in China, down 9% year-on-year; The market share is 13.7%, ranking fifth. Apple is the only manufacturer among the top five brands whose shipments have declined. IDC believes that Apple is still undergoing channel adjustment, which makes it difficult to improve its market performance, and Apple may face greater pressure in the China market.

Inquiries of National Nucleic Acid Testing Institutions (the first batch of 921)

All localities can make scientific assessment according to the needs of epidemic prevention and control work and detection ability, and provide close contacts, overseas entry personnel, fever outpatients, newly hospitalized patients and their accompanying personnel, medical institution staff, port quarantine and frontier inspection personnel, prison staff, social welfare pension institution staff, etc.Key population "should be checked and checked".Implement "willing to check and check" for other people.

The cost of "due diligence" shall be borne by local governments, and the cost of "willing diligence" shall be borne by enterprises, institutions or individuals; The detection fee standard is determined and publicized by the local price departments.All localities should promptly publish the list of testing institutions..

—— "Guiding Opinions on the Joint Prevention and Control Mechanism of the State Council’s Response to novel coronavirus’s Pneumonia Epidemic on Doing a Good Job in the Prevention and Control of COVID-19’s Epidemic Normalization"

In order to implement normalization prevention and control,

Promote "all due diligence" and "all willing diligence"

National Health Commission

detrusion[Inquiry of nucleic acid testing institutions]service

Go online in the State Council client.

At present, there are production and construction corps in Tianjin, Hebei, Liaoning, Jiangsu, Fujian, Shandong, Henan, Hubei, Hunan, Guangxi, Hainan, Sichuan, Guizhou and Xinjiang.

921 testing institutions uploaded.

You can check it here with one click.


Specific operation guide

1.Find the nucleic acid detection agency:Enter the applet, you canManually select the region, or through the organization name, address, etc.search.

2.Contact by phone:click"contact telephone number"You can directly contact the agency for consultation.

The data is still gathering and improving.

National nucleic acid testing institutions have been updated one after another.

Save the sunflower code first

It takes a long time to press or scan to enter the service ↓


Gratifying changes in China’s environment coexist with severe situation.

June 5th is World Environment Day. What’s the environmental situation in China? How has environmental protection made progress? What role does environmental protection play in optimizing economic growth? ….. These are what people want to know most on this special day.

According to the 2014 Bulletin on the State of the Environment in China notified by the Ministry of Environmental Protection to the media on the 4th, in 2014, with the great attention of the CPC Central Committee and the State Council, positive progress was made in the construction of ecological civilization and the reform in the field of ecological environment, and new steps were taken in the prevention and control of air, water and soil pollution. However, the environmental situation in China is still grim, and it still faces many difficulties and challenges.

The data is mixed.

China State of the Environment Bulletin 2014 shows the positive changes in China’s environmental situation and environmental protection progress, and also reflects the problems existing in China’s environment and environmental protection.

Compared with the last year’s bulletin on the state of the environment, in the first phase of 2013, only 4.1% of the 74 cities monitored by the new standards met the standard. According to the Bulletin, among the 161 cities that monitored the new air quality standards nationwide in 2014, the annual average air quality in 16 cities reached the standard, and the air quality in 145 cities exceeded the standard.

The relevant person in charge of the Ministry of Environmental Protection, combined with the data, said that since the implementation of the "Atmosphere Ten" one year ago, the air quality of 74 key cities has generally improved, the proportion of cities that have reached the standard and the number of days that have reached the standard have increased, and the concentration of major pollutants has decreased. The average annual concentration of PM2.5 in 74 cities that implemented the new air quality standards decreased by 11.1%, among which the Beijing-Tianjin-Hebei region, the Yangtze River Delta region and the Pearl River Delta region decreased by 12.3%, 10.4% and 10.6% respectively.

The gratifying changes in atmospheric governance are enough to show that actions in environmental governance will achieve results.

But at the same time, more data makes us must remain highly vigilant-

According to the Bulletin, the water quality of 968 state-controlled surface water monitoring sections (points) in 423 major rivers and 62 key lakes (reservoirs) in China has been monitored, and the water quality sections of I, II, III, IV, V and worse than V account for 3.4%, 30.4%, 29.3%, 20.9% and 6.8% respectively. As far as surface water is concerned, the proportion of seriously polluted inferior V water bodies is still worrying.

Among 4,896 groundwater monitoring points, the proportion of monitoring points with excellent water quality is 10.8%, that with good water quality is 25.9%, that with good water quality is 1.8%, that with poor water quality is 45.4%, and that with very poor water quality is 16.1%. The current situation that the water quality is poor and extremely poor exceeds 60% shows that China is facing unprecedented water pollution pressure.

According to the Bulletin, in 2013, the national ecological environment quality was generally "average". Among the 2461 counties, there are 558, 1051, 641, 196 and 15 excellent, good, average, poor and poor counties respectively. Counties with "excellent" and "good" ecological environment quality account for 46.7% of the land area, "average" counties account for 23.0%, and "poor" and "poor" counties account for 30.3%.

By the end of 2013, there were 646,168,400 hectares of agricultural land in China, with a net increase of 0.49 million hectares during the year. The total area of soil erosion in China is 2,949,100 square kilometers, accounting for 31.12% of the total area of the census …

Chen Jining, Minister of Environmental Protection, said that in recent years, China’s pollution control process has been accelerated and made positive progress, but the emissions of some major pollutants are still at a high level, and there is a big gap between environmental quality and the needs and expectations of the public. It is bound to be a long-term process to fundamentally improve China’s environmental quality. This requires us not only to have the determination and positive actions to fight a tough battle, but also to be prepared to fight a protracted war and move towards the goal step by step.

Use hard measures to accomplish hard tasks

From September 12th, 2013, when the "starting gun" sounded for haze control, the state announced the Air Pollution Prevention and Control Action Plan-"Ten Articles of Atmosphere", to the recent Water Pollution Prevention and Control Action Plan-"Ten Articles of Water", and then to the Soil Environmental Protection and Pollution Control Action Plan-"Ten Articles of Soil", which is being worked out quickly, and the hard tasks were completed by hard measures.

In 2014, we gained experience and built up people’s confidence in pollution control.

In this year, more than 7 million yellow-label vehicles and old cars and more than 50,000 small coal-fired boilers were eliminated nationwide by controlling vehicles, coal, desulfurization and dust removal. 190 million kilowatts of coal-fired units have completed the transformation of desulfurization and dust removal, and 11,000 square meters of steel sintering machines have installed flue gas desulfurization facilities, and many large chimneys no longer emit black and yellow smoke.

This year, the central government allocated 10 billion yuan of special funds to prevent and control air pollution; Arrange special funds for environmental protection of 240 million yuan.

This year, I found the "culprit" of smog in 9 major cities such as Beijing. Motor vehicles, industrial production, coal burning and dust are the main sources of PM2.5 pollution in most cities, accounting for about 85% to 90%. The primary source of pollution in Beijing, Hangzhou, Guangzhou and Shenzhen is motor vehicles.

This year, environmental protection and public security jointly enforced the law, and the environmental protection department transferred 2,180 suspected criminal cases to the public security organs, three times more than in 2013.

This year, the Ministry of Environmental Protection interviewed the heads of more than 10 cities such as Hengyang, Anyang and Kunming, which failed to cure haze, and urged local governments to take on key responsibilities.

"We should do a good job in the prevention and control of water pollution as we do in the prevention and control of air pollution, and implement the road map of’ Water Ten’ as a construction drawing." Chen Jining said at the symposium on water pollution prevention and control held on May 28th.

"Water pollution control is much more difficult than air pollution control, especially lake pollution control, which generally takes decades or even hundreds of years." Gao Jixi, director of the Nanjing Institute of Environmental Sciences of the Ministry of Environmental Protection, said that compared with air pollution, water pollution and soil pollution have greater environmental impact and ecological damage. It takes a long time to win the tough battle of water pollution control, and it will take a long time.

"Under the background of the new economic normal, environmental protection work should be set in a good position." Chen Jining said that the downward pressure on the economy has brought new challenges to environmental protection. This requires us to closely focus on promoting stable and healthy economic development, balance and handle the relationship between economic development and environmental protection, grasp the key points, methods and intensity of environmental protection work, and find a good combination point, focus point and breakthrough point. We must not only keep the red line of ecological protection, total industrial emissions and environmental access standards, but also use environmental protection to promote economic transformation and upgrading, and strive to achieve coordination and win-win between the two. (Reporter Cao Hongyan)

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

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

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

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

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

  Someone’s in jail

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

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

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

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

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

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

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

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

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

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

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

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

  Someone No Country for Old Men.

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

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

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

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

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

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

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

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

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

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

  "benign exit" becomes a common expectation

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

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

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

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

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

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

  Hearing this, Xiao Lei seems to understand something.

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

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

Five New Insect Species Found in Wuyishan National Park

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Selection method

Domestic selection

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

Cross-border selection

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

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

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

one

Selection dimension

What do customers need?

Used in that scene

What is the purchasing power of the crowd?

Can the product bring high repurchase?

2

Product selection channel

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

Stocking mode

Domestic e-commerce

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

cross-border electricity commerce

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

one

Drop-shipping mode

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

2

Spread goods in large quantities

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

three

Boutique shop

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

The way they operate

Domestic e-commerce

bothThe underlying operational logic is different..

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

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

cross-border electricity commerce

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

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

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

one

Third-party platform operation

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

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

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

2

Independent station operation

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

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

mode of payment

Domestic e-commerce

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

cross-border electricity commerce

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

Third party platformandIndependent stationThe collection methods are also different.

one

Third party platform

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

2

Independent station

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

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

Logistics mode

Domestic logistics

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

Cross-border logistics

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

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

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

one

Self-delivery

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

2

Overseas warehouse

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

three

Third-party platform warehouse

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

Collection cycle

Domestic e-commerce

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

cross-border electricity commerce

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

one

Payment cycle of third-party platform

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

2

Independent station payment cycle

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

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

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

customer service

Domestic e-commerce

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

cross-border electricity commerce

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

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

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

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

(Source: Cross-border old guns)

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

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

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

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

Professor Yang Erhong of beijing language and culture university

Professor Yang Erhong of beijing language and culture university

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

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

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

  [Extended reading]

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

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

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

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

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