Vegetarianism is a "health-preserving" diet in many people’s minds. In recent years, many people have joined the ranks of vegetarians. At present, the number of vegetarians in China is about 50 million, and "vegetarianism" is becoming popular.

Although more and more people are vegetarian, unreasonable diet is a problem. Long-term unreasonable vegetarian diet can not only make the body healthier, but also lead to malnutrition.

What kind of influence will vegetarianism have on the body, and what is the correct way to open vegetarianism? In this article, we will answer the questions about vegetarianism, and attach an egg white recipe at the end of the article, so you can keep it for reference!

What are the benefits of vegetarianism?

Vegetarian food with reasonable diet can not only provide adequate nutrition for the body, but also reduce the risk of many diseases. Studies have shown that the mortality of all-cause mortality’s disease, ischemic heart disease, circulatory system disease and cerebrovascular disease in vegetarian population is significantly lower than that in omnivorous population with animal food. [1] Moreover, the risk of hypertension, type 2 diabetes and cancer in vegetarian population is lower than that in animal omnivorous food population.

Which two vegetarian dishes are more recommended?

The most common vegetarianism can be roughly divided into two types: ovalbumin and vegan. Egg-lactating people can also eat eggs and milk food besides vegetarian food; Vegan is a strict vegetarian, and does not eat any animal food, including eggs and milk. No matter what kind of vegetarian diet, as long as it can ensure a balanced nutrition. However, compared with the two, vegan has more disadvantages. If you must be vegetarian, you should recommend egg white.

What nutrition is vegetarian easy to lack?

For vegetarians, there is no serious shortage of carbohydrates, fats, dietary fiber and water for vegetarians, and it is easy to meet their physical needs as long as they follow the requirements of Dietary Guidelines for China Residents. Emphasis should be placed on preventing the deficiency of protein, vitamin B12, mineral iron and zinc, because meat food is an important source of high-quality protein, vitamin B12 and mineral iron and zinc. Therefore, we should pay attention to the intake of these nutrients in the diet, and we also need to pay attention to the supplement of vitamin D.

How to supplement the nutrition that is easy to lack?

(1) protein:

Although the protein of meat is high-quality protein, it is not only meat that contains protein. Eggs, milk and beans are all sources of high-quality protein.

The people who eat egg yolk are advised to eat every day:

A whole egg

300~500ml milk

25g soybean or corresponding amount of bean products (50g dried bean curd or 50g shredded bean curd or 100g north bean curd).

15~25g nuts (vegan 20~30g)

All kinds of miscellaneous grains and beans

In this way, the intake of protein is at least 50g/d, which is more than 90% of the recommended daily intake of 55g for women in protein. If it is male, it is recommended to add 10~20g protein powder on this basis every day. It should also be noted that different kinds of protein foods should be eaten at the same meal as far as possible, which can play a complementary role in protein and improve the absorption and utilization rate of protein. [1] For example, protein, a cereal food, lacks lysine and is rich in methionine, while protein, a legume food, lacks methionine and is rich in lysine. When they are eaten together, the proteins can complement each other.

② Vitamin B12: Vitamin B12 mainly exists in animal foods, and it is a nutrient that is easily overlooked by everyone. Serious lack of vitamin B12 will cause nerve fiber degeneration, symptoms such as listlessness, anxiety, forgetfulness, and even anemia, so vitamin B12 is also called "nutritional nerve" vitamin. A survey shows that vitamin B12 deficiency is common in vegetarians with elevated homocysteine level and enlarged red blood cells, especially in vegetarians. [2] Vitamin B12 mainly exists in meat food, which is easy to be deficient for vegetarians.

Plant foods rarely contain vitamin B12, and fermented bean products such as fermented soybean meal, fermented bean curd, natto, seaweed and mushroom have some, but the salt content of fermented soybean meal and fermented bean curd is generally high, and the taste of natto is unacceptable to many people. Therefore, it is difficult to make up enough by diet, so it is recommended to take vitamin B12 supplements. ③ Mineral iron: Animal foods such as red meat, animal blood, animal liver and shellfish are good sources of iron supplement, and the iron contained is heme iron, which is easy to be absorbed and utilized by human body.

However, plant foods such as auricularia auricula, Tricholoma matsutake, red dates, spinach, moss, etc., although high in iron content, belong to non-heme iron, and the absorption and utilization rate of human body is low. However, if it is combined with vitamin C, it can help to improve the absorption and utilization rate of iron in plant foods [1]. Therefore, it is suggested that vegetarians should add fruits and vegetables rich in vitamin C in their diet, such as Chinese cabbage, kiwi fruit, winter jujube, blood orange, guava, etc., and supplement Vc tablets or iron.

④ Mineral zinc: In addition to meat, nuts, coarse grains and fermented bean products are also good sources of mineral zinc, such as sunflower seeds, pine nuts, pumpkin seeds, chestnuts, black sesame seeds, etc. Among them, phytic acid in bean products is destroyed after fermentation, and the absorption and utilization rate of zinc will also increase.

One day, the egg custard recipe came!

According to the dietary recommendations for vegetarian people in the Dietary Guide for China Residents, people with egg yolk can refer to the following recipes (light-bodied women who do not need to lose weight) to arrange their diet for one day:

If it is a male, the ingredients that need to be adjusted are: 50 grams of millet, 100 grams of sweet potato, 20 grams of walnut, 40 grams of red dates, 80 grams of white flour and 100 grams of tofu.

Note: ① The amount of salt is not written in the recipe, so everyone should control it by themselves. It should not exceed 6 grams of salt every day, which is less than 1 bottle cap of mineral water (1~2 mm short of the bottle cap).

6 grams of salt (Master Kong packaged drinking water bottle cap) 2 The cooking pot is best to be non-stick, otherwise it will cost more oil.

A porcelain spoon is about 10 grams of oil.

Remarks:

Vegetarian people are easy to lack vitamin B12 and mineral iron, so it is recommended to supplement multivitamins or targeted supplements every other day; In order to promote the absorption of calcium, it is recommended to supplement 10 micrograms of vitamin D every day.

Vegetarian people are easy to lack n-3 polyunsaturated fatty acids, so it is suggested that rapeseed oil and soybean oil should be used more in cooking, and linseed oil and perilla seed oil should be used more in cold salad.

Illustration of some ingredients:

Three red dates (20 grams of edible part) Want to know the weight of jujube stones? I eat very clean!

2 grams of laver

30 grams of carrots

20 grams of red beans (mung beans for reference)

100g sweet potato

10 grams of paper walnut Although this recipe is only for one day, as long as you change the ingredients carefully, you can change the recipe for many days. For example, change Chinese cabbage into rape, green pepper into colored pepper, dried tofu into dried tofu, garlic sprout into leek, sweet potato into purple potato, walnut into cashew nut and so on.

Focus

For friends who like vegetarianism, vegetarianism is also ok. However, ovalbumin is easier to achieve nutritional balance than vegan, and it is more recommended.

In addition, when you are vegetarian, you must mix it reasonably, and pay attention to supplementing compound nutrients or specific nutritional supplements.

Special feature of 1905 film network "Today is a day of celebration! "Feng Shen" has finally reached 2.5 billion! "September 2, withThe first part of feng ShenBox office exceeded 2.5 billion, actorsThis sandFulfilling the promise has brought fans a long-awaited "meatball head" tutorial.

At the same time, Yu Shi, Hou Wenyuan, Yang Le, Huang Xiyan, Shan Jingyao, Pengyi Han and other leading actors are not to be outdone, and they have brought "unique skills" such as dancing, showing muscles, playing Tai Chi, chasing pigs and washing their hair upside down. The Eight Immortals crossed the sea and showed their magical powers.

When the movie box office achieved good results, it was a routine operation for the founders to give back benefits to fans.However, unlike the previous materials and photos, the first part of "Feng Shen""Put all your eggs in one basket", "Learn from Dad" and "Disappearing She"Wait for a fewsummermovie seasonThe film has reached a new height in the "fancy whole life", which can be said that there is no maximum volume, only more volume.

The first part of feng Shen

The first part of Feng Shen let the audience know a group of new actors with both value and strength in one breath.In order to repay the support of the "tap water", the founders launched the welfare without ambiguity and kept their word.

Huang Xiyan, Naernasi, Shan Jingyao and others all chose to make sports videos at the time of 2.5 billion yuan, from swimming, iron throwing and boxing to Tai Ji Chuan, which fully demonstrated the fruitful results of Fengshen Training Camp.

As a "roadshow victim", Yang Le, who plays Boyikao, also made good on his promise at the time of 2.5 billion, and released photos of abdominal muscles. Eight abdominal muscles are clearly visible, and the image of "Hamburg" is also displayed on the face P, and the terrier is played by himself.

Chen Muchi, Li Yunrui and Hou Wenyuan are more open-minded. When it broke 2 billion yuan, Chen Muchi and Li Yunrui brought God of Wealth shorts dance and down jacket women’s group dance respectively, and the picture was very magical.Even Chen Muchi himself commented: "Three days off the net" and "a person’s life will soon pass".

Hou Wenyuan chose to reproduce the "black history" — — The dance of "Subject 1" will carry out the "collapse of human setup" to the end.

If the above is just a routine operation, then the next few can be said to have taken out the housekeeping skills. Xia YuAt the time of 2 billion, an antique trick was displayed, and two small fish were conjured out of thin air, which was very suitable for Shen Gongbao people.

Yu Shi brought a difficult "dragon sucking water" and a brain-opening "chasing pigs" at 2 billion and 2.5 billion respectively.

To say that the most difficult factor is Lei Zhenzi Pengyi Han’s one-handed handstand shampoo, which shows the super arm strength that ordinary people can’t reach.

Wu Ershan, the director, is the most realistic. First, he released a "proton group" muscle photo, and then officially announced that he would launch a variety show of proton training camp, which is expected to meet the audience as a "welfare" at the box office of 2.6 billion yuan.

Put all your eggs in one basket

The first part of "Feng Shen" is in full swing, and another summer explosion "Put all your eggs in one basket" is also not to be outdone. It is full of fancy, singing and dancing, and it is full of network feeling.

Starring LAY turned into Aladdin’s magic lamp, and gave his fans everything they wanted, from "Little Bear Dance" and "Dinosaurs Against Wolves" to singing the theme song "Thousands of Money Are Gone" with fans, which was a perfect score.

Gina also danced the bear dance regardless of the image. The netizen commented: "I can see that today is a big joy, not Anna."

Zhou Ye and Wang Dalu brought a song "Listen to Mom" (gambling-forbidden version) to the audience and also to Atian in the play.

Sun Yang, who has played a lot of fans, finally brought a Cantonese song at the box office of 3 billion yuan, and made an appointment with fans to "advance to 4 billion yuan"!

Learn from dad

Breaking 500 million yuan of "Learning Dad" can be called the "little dark horse" of the summer file, and the celebration methods of several starring roles are also quite grounded. Bo HuangKeep your promise and jump up the upgrade.Dragon fist, join the snake dance, bobby jump and other fat burning actions, very hard.

Wan Qian brought a piano version of "Up in the Cloud", with guitar and kazudi singing in concert with literature and art, full of fairy tales.

NI YAN, who plays the owner of the group of chickens and dolls, "chicken" herself outside the play, bringing "Liu Zhenzhen’s piano debut". User comments: I don’t have enough skills, and I sincerely come together, as if I saw myself practicing the piano.

Lost in the Stars

No more sincere than the involution is "She Disappeared". Although there are not many special benefits, it is also full of sincerity. NiNiWhen I broke 3 billion, I took 30 selfies in one breath, and compared the gestures of 1 to 30 with my hands, which is called sunbathing the ceiling.

Zhu Yilong carefully prepared the piano version of "Cage", thanking the fans and audience for their support all the way. The Weibo broadcast volume of a single video has exceeded 22 million.

The last summer movie set a new record with a box office of 20.6 billion yuan, which is inseparable from the strong support of China audience.

The fancy animation of the film’s main creators not only shows their other side, but also responds to the voice of netizens, which often plays a good marketing and communication effect in the short video era.

But in the final analysis, these are the icing on the cake after all. Only by taking good pictures and becoming explosions can we have the opportunity to do business in a variety of ways.

Who impressed you the most about the above films? What kind of heavy benefits do you want to see next?

　　The Central Rural Work Conference was held in Beijing from December 28th to 29th. The meeting put forward the road of rural revitalization in Socialism with Chinese characteristics for the first time, and clearly defined the timetable and road map of rural revitalization strategy. The meeting made it clear that by 2020, important progress will be made in rural revitalization, and the institutional framework and policy system will basically take shape; By 2035, decisive progress will be made in rural revitalization and agricultural and rural modernization will be basically realized; By 2050, the countryside will be fully revitalized, and strong agriculture, rural beauty and farmers’ wealth will be fully realized.

　　The 19th National Congress of the Communist Party of China clearly put forward the strategy of rural revitalization for the first time. This is the general strategy to promote China’s agricultural and rural modernization in the future, and it is also the general starting point for China’s "three rural" work in the future. To truly revitalize the countryside, we must use the idea of reform and innovation to remove all kinds of obstacles that hinder the development of agriculture and rural areas, stimulate the potential of various rural elements and the vitality of various subjects, and continuously inject new kinetic energy into the development of agriculture and rural areas.

　　First, closely focus on the fundamental goal of simultaneous modernization of agriculture and rural areas

　　Since the beginning of the new century, how to build a well-off society in an all-round way has become a top priority for China’s economic and social development. The 16th, 17th and 18th National Congress of the Communist Party of China are all based on the strategic goal of building a well-off society in an all-round way in 2020, and put forward requirements and arrangements for the work concerning agriculture, countryside and farmers. The 16th National Congress of the Communist Party of China clearly pointed out that it is an important task for building a well-off society in an all-round way to coordinate urban and rural economic and social development, build modern agriculture, develop rural economy and increase farmers’ income. The 17th National Congress of the Communist Party of China emphasized that it is necessary to strengthen the basic position of agriculture, take the road of agricultural modernization with China characteristics, establish a long-term mechanism to promote agriculture through industry and bring rural areas through cities, and form a new pattern of integration of urban and rural economic and social development. The 18th National Congress of the Communist Party of China once again stressed that the integration of urban and rural development is the fundamental way to solve the problems concerning agriculture, rural areas and farmers. It is necessary to intensify the overall planning of urban and rural development, enhance the vitality of rural development, gradually narrow the gap between urban and rural areas, and promote the common prosperity of urban and rural areas. Under the correct leadership of the CPC Central Committee, in the process of building a well-off society in an all-round way in the past decade or so, China’s agricultural and rural development has made historic achievements and undergone historic changes.

　　While affirming the achievements, we should also be soberly aware that the dual structure of urban and rural areas is obviously still the biggest structural problem in China at present, and the lagging development of agriculture and rural areas is the most prominent manifestation of insufficient development imbalance in China. From the perspective of income and consumption, although the income and consumption expenditure of rural residents have increased faster than that of urban residents in recent years, in 2016, the per capita income and consumption expenditure of urban residents in China were still as high as 2.72 times and 2.28 times that of rural residents, respectively, and the penetration rate gap of household cars, air conditioners, computers and other durable consumer goods between urban and rural residents is still very large. From the perspective of overall labor productivity, in 2016, non-agricultural industries reached 121,300 yuan per capita, while agriculture was only 29,600 yuan, the former was 4.09 times that of the latter. From the perspective of infrastructure, in 2016, 46.2% of rural households in the country used ordinary dry toilets, and even 2% of households did not have toilets; 26.1% of village domestic garbage and 82.6% of village domestic sewage have not been treated centrally or partially; 38.1% of the main roads in the village have no street lamps. From the perspective of basic public services, in 2016, 67.7% of the villages did not have kindergartens or nurseries; 18.1% of villages have no clinics, and 45.1% of villages have no licensed (assistant) doctors. From the perspective of social security, the current rural minimum living security, new rural insurance and new rural cooperative medical insurance standards are also significantly lower than those of urban residents and urban workers. This is only the gap in quantity. If we look at the quality, the gap between urban and rural areas will be even greater.

　　According to the deployment of the 19th National Congress of the Communist Party of China, China will basically realize socialist modernization in 2035, which is 15 years ahead of the previous deployment. In 2050, China will be built into a prosperous, strong, democratic, civilized, harmonious and beautiful socialist modernization power, which is higher than the goal described before. Although new changes and progress will take place in the process of building a well-off society in an all-round way in the next three years, the dual structure of urban and rural areas in China will still be quite prominent when the goal of building a well-off society in an all-round way is achieved in 2020. From this starting point, China will enter a new journey of building socialist modernization in an all-round way. How to keep up with the pace of national modernization in agricultural and rural development is a major challenge before us. If the key to a well-off society depends on fellow villagers, then it can also be said that the key to modernization is agriculture and rural areas. The fundamental starting point of implementing the rural revitalization strategy is to keep the modernization of agriculture and rural areas in sync with the modernization of the whole country.

　　Second, firmly grasp the two principles of priority development and integrated development

　　Under the background of the obvious dual structure of urban and rural areas, in order to promote the synchronization of agricultural and rural modernization and national modernization, we must deepen our understanding of the important assertion that "the problem of farmers in agricultural and rural areas is a fundamental problem related to the national economy and people’s livelihood" and truly "always solve ‘ Agriculture, countryside and farmers ’ The issue is the top priority of the whole party’s work. " In particular, it is necessary to implement the new development concept and adhere to the priority development of agriculture and rural areas and the integration of urban and rural development.

　　Adhering to the priority development of agriculture and rural areas means giving full play to the role of the tangible hand of the government and making efforts to make up for the shortcomings of national modernization. The focus is on two aspects: first, promote the priority allocation of public resources to agriculture and rural areas. This is an urgent need to eliminate the stock gap of basic public services between urban and rural areas, and it is also an inevitable requirement to prevent the incremental gap of basic public services between urban and rural areas. After years of hard work, the "four beams and eight pillars" of the rural basic public service system have been set up, realizing a historic change from "nothing" to "something". At present, the main problem is that the gap between urban and rural areas in the field of public services is still too large, and the level of protection of rural public services is too low. We should take "having" as the main direction, continue to promote the integrated development of urban and rural compulsory education, focus on improving the quality and convenience of rural compulsory education, improve the basic old-age insurance system for urban and rural residents, focus on increasing farmers’ basic pension, improve the unified basic medical insurance system and serious illness insurance system for urban and rural residents, focus on increasing the proportion of farmers’ reimbursement, coordinate the urban and rural social assistance system, and focus on improving the standard and coverage of rural minimum living security. Increase investment in rural roads, water supply, power supply, communications and other infrastructure, and accelerate the construction of rural domestic garbage and sewage treatment capacity. The second is to improve the effectiveness of agricultural support and protection policies. In recent two years, the state has begun to adjust and improve agricultural support and protection policies.Such as the implementation of cotton target price subsidy pilot, the implementation of corn "market acquisition+producer subsidies", and the promotion of agricultural "three subsidies" system reform. In the future, China’s agricultural support and protection policy should continue to increase, and the key is to adjust the focus of the policy. We should highlight the direction of competitiveness, increase investment in farmland water conservancy, land consolidation, agricultural science and technology, and professional farmers’ training, so as to promote agricultural cost reduction and efficiency improvement. We should also highlight the direction of green ecology, increase investment in returning farmland to forests, returning farmland to wet areas and beaches, water-saving irrigation, farmland fertility protection, reduction of fertilizers and pesticides, recovery of agricultural wastes, over-exploitation of groundwater and treatment of areas polluted by heavy metals, so as to promote the sustainable development of agriculture.

　　Adhering to the integrated development of urban and rural areas means giving play to the role of the invisible hand of the market and making great efforts to promote the quality change, efficiency change and power change of agricultural and rural development. China’s agriculture and rural areas have changed from a high-speed growth stage to a high-quality development stage. To achieve high-quality development requires the rationalization of urban and rural resource allocation and the integration of urban and rural industrial development. In the future, solving the problems concerning agriculture, rural areas and farmers will depend on the strength of towns, and solving the problems of cities will also depend on the strength of villages. Cities and villages should be harmonious, interactive and interdependent. First, rural areas should respond sensitively to the new needs of cities and towns. The demand of urban residents for agricultural products has been well met, but the demand for agricultural products quality has not been well met; Rural areas are required to provide not only sufficient and safe material products, but also ecological products such as clean air, clean water, quiet rural scenery, and spiritual products such as farming culture and homesickness. To catch these new demands, we should accelerate the transformation of agricultural development from increasing production to improving quality, and vigorously develop new industries and formats such as rural leisure tourism and old-age care. Second, cities and towns should respond sensitively to the new needs of rural areas. To develop resource-saving and environment-friendly agriculture, new fertilizers and low-toxicity and high-efficiency pesticides are urgently needed; To promote "machine substitution" in the agricultural field and improve agricultural labor productivity, agricultural machinery with high cost performance is urgently needed, especially small agricultural machinery suitable for hilly and mountainous areas and cash crop production; Improve the rural living environment, improve the quality of life of farmers,There is an urgent need for new building decoration materials, solid and durable garbage and sewage treatment equipment, economical and applicable kitchen and bathroom and other household necessities. To catch these new demands, we should speed up the adjustment of the technical structure and product structure of industrial departments and improve the pertinence and efficiency of "industrial products going to the countryside".

　　Third, earnestly grasp the three keys of "people, land and money"

　　The implementation of rural revitalization strategy is a systematic project, which requires scientific planning and comprehensive promotion of various revitalization measures in accordance with the general requirements of "prosperous industry, ecologically livable, civilized rural customs, effective governance and affluent life". The core is to grasp the three keys of "people, land and money":

　　(a) to promote the decline in the proportion of rural population and structural optimization. In 2016, the proportion of rural population in China is still as high as 42.65%, and the proportion of employment in the primary industry is also as high as 27.7%. A considerable part of the urban resident population from rural areas has not been fully integrated into the towns where they are employed and live. Generally speaking, China is still in the development stage of "to be rich, farmers must be reduced". We must unswervingly promote the new urbanization with people as the core and continue to promote the rural population to enter cities and the transfer of agricultural labor force. At the same time, we should also note that the rural population entering the city and the transfer of agricultural labor force in China are characterized by "elite immigrants", and the population entering the city and the transferred labor force are obviously superior to those staying in the countryside in terms of age, education level and gender ratio. To realize rural revitalization, we must pay attention to optimizing the rural population structure and improving the quality of rural human capital while promoting the decline of the proportion of rural population. It is necessary to optimize the structure of agricultural practitioners and speed up the training of modern young farmers, leaders of new agricultural business entities and agricultural professional managers. We should not only pay attention to discovering and cultivating new professional farmers from those who are still in rural areas, but also pay attention to guiding some willing migrant workers to return home, college students who have come out of rural areas to return home, and all kinds of talents who have grown up in cities to the countryside, and introduce modern science and technology, production methods and business models into agriculture and rural areas. Speed up the training of a "three rural" work team that understands agriculture, loves the countryside and loves farmers.Comprehensively improve the ability and level of national civil servants, scientific and technological personnel, teachers and doctors in rural areas.

　　(2) Accelerate the establishment of a land security mechanism for rural revitalization. Deepening the reform of rural land system is an urgent need to promote the construction of modern agriculture and develop new industries and formats in rural areas. First, we should improve the method of "separation of powers" in rural land with the goal of agricultural modernization. With the changes in the employment structure, income structure and even residence of contractors, the gradual withdrawal of the "first generation of farmers", the reluctance of Nong Erdai to farm, and the improvement of the social security system in urban and rural areas, the livelihood guarantee function of contracted land is declining, and the function of production factors is highlighted. Therefore, we should adjust and improve the empowerment of collective ownership, farmers’ contracting rights and land management rights to prevent land abandonment and excessive increase in land rent. Second, we should improve the management policy of agricultural facilities land. More flexible and relaxed management policies should be implemented for facilities such as cold chain, primary processing, leisure picking and storage of agricultural products, and supporting land such as parking lots, toilets and restaurants. Third, we should optimize the layout of urban and rural construction land. Effectively implement the existing policy of "determining a certain proportion of the annual new construction land plan indicators to support new rural industries and new formats". Prudently improve the operation methods of linking the increase and decrease of urban and rural construction land and balancing the occupation and compensation of cultivated land, leave land space for rural revitalization, and do not rush to relocate rural construction land to cities or underdeveloped areas to developed areas. Fourth, we should explore effective ways to revitalize rural idle homesteads. On the premise of not buying and selling rural homesteads,Actively explore specific ways to effectively use rural idle homesteads. For example, rural collective economic organizations can save construction land such as village renovation and homestead consolidation, and develop rural leisure tourism and pension industries and rural three-industry integration projects by means of shareholding and joint venture. For another example, rural collective economic organizations can make full use of idle farmhouses and homesteads through leasing and cooperation.

　　(3) Establish and improve the institutional mechanisms conducive to the flow of all kinds of funds to agriculture and rural areas. Whether it is to achieve "industrial prosperity" or "ecological livability", it needs a lot of capital investment. We should raise funds for rural revitalization from various channels such as finance, finance and social capital. First, we must reform the financial input mechanism for supporting agriculture. On the one hand, we must persist in taking agriculture and rural areas as the priority areas of fiscal expenditure and ensure a moderate increase in investment in agriculture and rural areas; On the other hand, we should focus on innovating the way of use and improving the efficiency of supporting agriculture. Do a good job in two articles: "integration" and "incitement". "Integration" means giving full play to the leading role of planning, bundling all kinds of agriculture-related funds as much as possible to form a joint force. "Inciting" means giving full play to the leverage of financial funds and guiding financial and social capital to invest more in agriculture and rural areas by means of awards, interest subsidies and guarantees. Second, we must accelerate rural financial innovation. A considerable part of rural deposits can not be converted into investment in rural areas, and it is an urgent practical problem to flow to cities through the siphon effect of financial institutions. It is necessary to take a two-pronged approach from "building mechanisms" and "building institutions". "Building a mechanism" is to implement the incremental incentive policy for agricultural loans.We will implement differentiated supervision and assessment methods for financial institutions that have reached a certain proportion of agriculture-related businesses, appropriately decentralize the business examination and approval authority of county branches, and solve the problem of insufficient enthusiasm for putting in loans for agriculture, rural areas and farmers. "Building institutions" is to optimize the establishment mode of rural banks, improve the coverage of counties and cities, carry out internal credit cooperation of farmers’ cooperatives, support existing large financial institutions to increase county outlets, and solve the problem of insufficient market participants in lending to agriculture, rural areas and farmers. Third, we should encourage and guide social capital to participate in rural revitalization. Encourage social capital to develop modern breeding, agricultural service, agricultural product processing, leisure tourism and pension industries suitable for enterprise management in rural areas. Innovate the interest linkage mechanism and guide social capital to drive farmers instead of replacing them. Strengthen the protection of property rights and stabilize investors’ expectations. (Ye Xingqing is the Minister and Researcher of Rural Economic Research Department of the State Council Development Research Center)

1905 movie network news Directed by, starring,,,, and, the May 1st disaster action movie held its premiere in Beijing on April 22nd. The response to the event was enthusiastic. Once the film was shown, it was praised by ordinary audience, frontline firefighters and firefighters’ families. The real rescue scene and rich emotional expression made the film rated as "a disaster action blockbuster not to be missed in May 1st" by many viewers. Inspired by many real rescue incidents, the film tells the story of an unprecedented chemical explosion threatening the whole city. Facing the life-and-death test of putting out a fire and saving people, the moving story of a group of members of the fire rescue station going through fire and water with flesh and blood will be officially released on April 28, and will be shown ahead of schedule on April 27.

　

Peking University premiere was praised by firefighters and their families.

At the first stop of the Beijing premiere of the film Out of Fire, director Peng Shun made a surprise appearance in Peking University with the leading actors Du Jiang, Wang Qianyuan and Elvis Han, and exchanged views with the students after the screening. Many students were deeply impressed by the display of modern rescue equipment and the portrayal of firemen’s humanistic care in the film. A student from Guanghua School of Management said: "We saw the introduction of many modern fire-fighting equipment in the film, such as the dry powder fire truck for high-rise buildings and the’ water dragon’ fire-fighting robot. I am very excited to have such a work to let us see the modern progress of fire fighting in China, and I believe that the application of technology can save more firefighters’ lives." Some students also paid attention to the portrayal of firefighters’ psychology in the film. A psychology major said: "Zhao Yingqi, the stationmaster, quickly adjusted his emotions and continued to command calmly when his comrades died. The powerful psychological energy behind him made me admire and thank every firefighter for his contribution." A girl whose boyfriend is a fireman also said frankly: "I have a great resonance with the plot of firefighters getting along with their families. Because of the particularity and danger of the profession, the fireman’s brave figure is behind his family’s worries and anxieties. This film reflects many real situations and is of great social significance."

　

The second stop of the Beijing premiere of the film Out of Fire came to Wanda Studios, and many viewers were in tears not long after the film was shown. In the film, the firemen face the fire and build a line of defense with their flesh and blood, which deeply moved the audience: "They are ordinary people, not omnipotent, but doing their best." "There are no quiet years, but someone is carrying the burden for us. I hope every firefighter can be safe." Several real firefighters at the scene expressed their feelings: "When I saw the story of firefighters being injured in the film, it reminded me of my comrades around me." "I am afraid that my parents will be more worried about me after watching the movie, but I have no regrets about becoming a firefighter. Saving people, fighting fires and rescuing are all our duties!" As the strong pillar and backing behind the firefighters, many firefighters’ families who came to watch the movie also choked after the screening: "The film shows all the hard work of firefighters, and firefighters try their best to protect everyone. As their family, I will also try my best to protect our little home."

　

The main creative acting is well received, and it is blunt that firefighters are real heroes.

At the Beijing premiere of the film Out of Fire, several masters shared the details of behind-the-scenes shooting with the audience. In order to restore the most real and shocking rescue action under the disaster, director Peng Shun revealed: "A part of the explosion point that did not inform the actor’s position was buried at the scene under the condition of ensuring safety, only to capture the most real actor’s reaction." Talking about the impressive shooting moment, Elvis Han said: "When shooting the scene of the explosion of the oil tanker, I really experienced the fire fighting in full combat uniform and found it extremely exhausting. It is very difficult to breathe even wearing an oxygen mask in the thick smoke, and it is not easy for firefighters. " In addition, the actors’ delicate tear-poking performance in the film was also full of praise. Some viewers praised Wang Qianyuan’s incisive interpretation of stationmaster Zhao’s responsibility and firmness, and the charm of "retrograde" infected everyone. There are also audiences who shed tears when they saw Han Kai, the correspondent played by Du Jiang, hand over the oxygen mask symbolizing the passage of life to his sweetheart at a critical moment. The film not only shows the bravery of firefighters, but also depicts the tenderness under fortitude.

　

At the scene of the event, Li Jin, one of the film planners of the film Out of Fire and former deputy director of the Beijing Fire Bureau, also said after the screening: "I choked and cried several times during the movie, thanking the master for performing a live firefighter’s soul. The film presented the ordinary, great and love of firefighters. Every rescue medal has half of firefighters and half of their families." In the warm atmosphere, after watching Dad’s movie, Uh-huh also shared his feelings of watching movies: "Heroes are really hard to be, firefighters are real heroes!" For the part of Han Kai’s emotional line in the film, I was moved bluntly: "Out of Fire made me feel the most extreme romance." In addition, the director who came to help the film also said: "There are always some occupations in life, which may be around us but are easily overlooked. The film makes more people know about them, and also presents the feelings of firefighters with very advanced expressions." In the post-screening exchange, another girl asked actor Ham about her feelings of being a fireman. Ham said frankly, "Every experience is a nutrient for growth, and I thank the actor’s career for giving me motivation and energy. I also hope that through this movie, firefighters can walk into everyone’s hearts. "

　

On the same day, several Xinjiang firefighters who participated in the film promotion song "I am an ordinary firefighter" also specially came to the scene to sing with the masters. The sincere songs made it difficult for the "Flame Blue" to experience the ups and downs and hardships. Tong Liya also said frankly: "I feel the ordinary and greatness of firefighters, and the existence of firefighters makes us feel at ease." Wang Ge, an actor in the rescue brothers group who was unable to attend in person, sent a blessing to Li Guangfu, the actor of Chinese Bin’s father in the film, through a touching VCR: "There are some words I want to tell my father for Wang Wenbin — — Dad, happy birthday, I’m your son Wang Wenbin! And dad, I’m sorry, I don’t regret being a fireman’s son. " The fire fighting belief extending from the screen to reality and the true feelings of "father and son" touched everyone.

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According to the survey report on the living conditions of national automobile dealers in 2023 released by china automobile dealers association, more than 70% of dealers failed to complete the annual task index; The loss ratio accounts for 43.5%, and the profit ratio is only 37.6%.

Will car dealers and 4S shops still be a good business in 2024?

Let’s take a look at several sets of key data. (The following data source: china automobile dealers association)

According to the survey, 27.3% of the vehicle sales targets are achieved at or above 100%, and 19.4% are between 90% and 100%, which make up 46.7%. Usually, the completion rate is above 90%, and the OEM can get 100% rebate.

This means that in 2023, more than half of dealers failed to get the "planned" rebate at the beginning of the year.

Judging from the proportion of income of each business module in the total income, the proportion of new cars and after-sales has not changed much, only the proportion of financial insurance has been rising all the way, and the proportion of used cars has been declining all the way.

The profitability of dealers is also not optimistic. In 2023, the loss ratio reached 43.5%, and the profit ratio was 37.6%. Although the profitability improved compared with that in 2022, it was significantly lower than that in 2021, which was the second worst result in the past six years.

Finally, look at the composition of dealers’ profits. The vehicle sales contributed -15.6% and the after-sales contributed 60.7%. Obviously, the new car does not make money, and the after-sales volume is small, which is the dilemma faced by dealers.

Combining these tables, we can roughly see what kind of year the dealers experienced in 2023.

First of all, dealers are trapped in the traditional business model.None of the business sectors can make people shine at the moment, leading a certain sector to rise suddenly.

Vehicle sales always account for about 80% of operating income, which confirms an experience in the industry: vehicle sales determine whether dealers are dead or alive.

Yes, after-sales can’t determine the life and death of dealers. Even those dealers whose service absorption rate is more than 100% will actually live for less than three years after being cancelled and turned into ordinary repair shops.

Because on the one hand, there is no source of supplementary customers, and the loss of customers and the reduction of admission are inevitable results; On the other hand, the expenses such as rent, water and electricity personnel’s wages have not decreased, and the profits will only become thinner and thinner; The most important thing is to lose the gold-lettered signboard authorized by the manufacturer, and the degree of trust is no longer the same.

Secondly, new car sales not only don’t make money,It is also necessary to dig out a piece from the profits of other business sectors to fill the "negative profits".

Combined with the achievement rate of vehicle sales target, the dealers who can make profits or survive in 2023 are all the stores that rank higher in the national sales ranking of brands or top in the regional sales, with high achievement rate. They can not only get millions of full rebates, but also get hundreds of thousands of extra rewards such as "market contribution award" and "market development award".

From the OEM’s point of view, if all the head dealers in the brand fall down, the brand will have no one to follow. In order to prove the "correctness" of its marketing strategy, it is necessary to set a good example, even if we put some water on these dealers at a critical moment.

From the dealer’s point of view, only those senior dealers whose service absorption rate is greater than 100% can have the confidence to reduce the profit of the new car sales section in the store to negative, so as to follow up the annual volume price in 2023 and sell cars at a loss. The gambling is that the main engine factory does not dare to let itself go bankrupt.

Especially for those dealers whose land is owned rather than leased, the operating expenses are missing a large piece of land or store rent, and only the personnel expenses and marketing expenses are left in the big expenses.

Even if the profits of previous years are filled in, the speed of losing blood can be greatly alleviated, and they can stay at the poker table for a longer time, and the greater the grasp of procrastination.

So in 2024, is automobile distribution still a business project worth sticking to?

Needless to say, the enterprises or 4S shops that still have the status of car dealers are all authorized to sell fuel car brands (except Tucki).

Whether these dealers are still worth sticking to in this industry depends on the power technology route they will adopt in the future and their geographical location.

With regard to the future development direction of automobile power technology route, pure electric vehicles will become more and more mainstream, but it will not be realized in a short time, and its market penetration may even fluctuate upward, let alone completely replace fuel vehicles.

Even if the hybrid vehicle is a transitional technology, this transitional period will last at least 10 years, or even more than 20 years.

Fuel trucks or liquid fuel trucks will not disappear completely. Even in the southern provinces and cities of China, there will still be sporadic use in emergency rescue and disaster relief, field work, etc., while the scope and time of use in the north will be wider and longer.

The power technology route of automobile brand OEM is a long-term strategic decision that will not be easily changed. As its distributor, it is relatively easy to obtain accurate information.

Then the remaining major influencing factor is the geographical location of the dealer.

If the dealer is located in the north of Qinhuai line, even if the power technology route of the brand main engine factory is only fuel oil and electricity, the risk of sticking to it is still relatively low; If the power technology route of the brand OEM is only pure electricity, then the risk of sticking to it is relatively high.

On the other hand, if the dealer is located in the south of the Yangtze River, the risk of sticking to technology brands with only fuel and oil is relatively high, even if the risk of sticking to technology brands with only pure electricity is still relatively low.

So, in 2024, is automobile distribution still a business project worth investing in?

This problem is more complicated than the previous one, which involves not only the power technology route that the brand OEM will adopt in the future and the geographical location of the proposed store, but also the business policy of the brand OEM.

Because the brand OEM sells well and makes money or not, it doesn’t mean that the dealer sells well and makes money or not.

At present, most of the "new power" new energy brand OEMs adopt a mixed cooperation mode, that is, the electromechanical service sector of new car sales and after-sales is self-operated, and only the after-sales car body panel is recruited.

Typical brand OEMs, such as Tesla (since last year, it has started to operate its own business), Weilai, Ideality, etc., are not discussed here.

Most of the new energy brands established by the original fuel vehicle brand OEM still choose the 4S store model, such as:, Lantu, Feifan, Zhiji, Aouita, etc., but when choosing these brands to apply, we must pay attention to their respective business policies.

In business policies, special attention should be paid to the following terms:

Address of the proposed store:Generally, it is required to be in the automobile business circle or downtown area, which is related to the rental cost in future operations.

Building area and building form:It is related to the capital investment of hardware construction and the cost of hydropower publicity in operation.

Sales commission:New energy brands basically adopt the sales agency system, that is, dealers are no longer required to control the inventory, but dealers also lose their influence on the terminal retail price of automobiles. Every time a commercial car is sold (signed), they can only get a sales service fee of 2%-3% of the sales price of new cars from the brand OEM, that is, a sales commission.

This profit is basically less than half of the difference between the purchase and sale of dealers 10 years ago, but for the current market environment, it is a long-lost new car sales profit. However, it is unclear how the proportion of this sales service fee will change in the future.

Payment method of store building rebate:Brand OEMs usually give rebates to newly-built stores, but the current rebate method is disgusting. For example, the total amount of the promised rebate for building stores is 2 million, but it needs to be paid in three years (every 12 months is one year from the month after acceptance and opening), with a maximum of 700,000 yuan per year, which is paid as a subsidy to 1000 yuan for each new car sold.

That is to say, in the past three years, at least 700 vehicles must be sold every year, in theory, in order to get the store-building rebate in full. After the new store opened for three years, the sales volume usually increased gradually. If 500 units, 800 units and 1,000 units were sold in these three years, the store-building rebate would be 50+70+70 = 1.9 million. Of course, in order to reach the sales volume of 700 units in the first year, investors increased their investment in publicity or marketing activities to push up sales volume, and brand OEMs also encouraged and welcomed the success, because it was the investors’ money that was spent, and these promotional investments, brand OEMs said that even if it rains, it will never rain.

In short, there are many reward or rebate clauses in business policies that need to be carefully studied. If you want to get them in full or at the top, there is basically only theoretical feasibility, just for the operation of addition, subtraction, multiplication and division, which is quite insulting to IQ.

As for whether it is worth investing, it is necessary to judge the specific location, brand and investor’s own conditions one by one.

Article source: automobile service world, thank you.

　　On June 1st, the Implementation Plan for Guangdong Province to Implement the State Council’s "A Package of Policies and Measures to Firmly Stabilize the Economy" (hereinafter referred to as "Implementation Plan") was published on the website of the provincial government.

　　It is reported that the "Implementation Plan" extends the 33 policies and measures in six aspects of the State Council’s deployment item by item, especially in combination with the series of policies and measures for steady growth issued by our province this year, further combing and forming 131 specific policies in six aspects, so as to accelerate the greater effect.

　　"Overall, the policy has strong operability, covering the real economy, investment and financing, consumption and other fields, and is expected to play an important role in the steady growth of Guangdong’s economy." Lin Jiang, a professor of economics at Lingnan College of Sun Yat-sen University and deputy director of the Pearl River Delta Research Center in Hong Kong and Macao, said.

　　fiscal policy

　　Expand the scope of implementation of the phased deferred social security premium policy.

　　Corresponding to the State Council’s package of policies and measures to stabilize the economy, the fiscal policy proposed in the Implementation Plan includes seven aspects: further strengthening the implementation of the VAT tax refund policy, speeding up the progress of fiscal expenditure, accelerating the issuance and use of local government special bonds and expanding the scope of support, making good use of government financing guarantees and other policies, increasing government procurement to support small and medium-sized enterprises, implementing the policy of delaying the payment of social security fees, and increasing the support for job stability.

　　The "Implementation Plan" emphasizes that it is necessary to strictly implement the tax refund policies for six industries that have been issued by the state to ensure that the stock tax allowance is fully refunded and the incremental tax allowance is fully refunded on a monthly basis. At the same time, we will take effective measures to speed up the processing, and on the basis of taxpayers’ voluntary application, we will centrally refund the remaining tax credits of micro-enterprises and small enterprises before June 30.

　　As for the newly-added enterprises in wholesale and retail, agriculture, forestry, animal husbandry, fishery, accommodation and catering, residents’ service, repair and other services, education, health and social work, culture, sports and entertainment industries, the policy of full monthly incremental refund and one-time full refund of the reserved tax amount is implemented. The "Implementation Plan" emphasizes close docking and good preparation in advance to ensure that it is put in place at the first time.

　　In order to speed up the issuance and use of local government special bonds, the "Implementation Plan" proposes to speed up the issuance of special bonds issued by the central government this year and basically complete the issuance before the end of June. According to the requirement that this year’s special bonds are basically used up before the end of August, we will speed up the progress of special bond expenditures, and strive to start all the issued special bond projects before the end of June. At the same time, we will closely follow the state’s policy of appropriately expanding the areas of special bond support, and accelerate the planning and reserve of a number of special bond projects around new infrastructure, new energy projects, public services, renovation of old public facilities, and consumer infrastructure.

　　In order to reduce the burden of financing guarantee fees for small and micro enterprises, the "Implementation Plan" proposes that the financing guarantee business for small and micro enterprises with a single-family guarantee amount of less than 10 million yuan and an average annualized guarantee rate of less than or equal to 1% will be subsidized by 1% of the business amount for the regional financing guarantee institutions in Jiangmen, Huizhou, Zhaoqing and the eastern Guangdong, western Guangdong and northern Guangdong.

　　In addition, increase government procurement to support small and medium-sized enterprises. Strengthen the evaluation of government procurement projects of budget units at all levels, and reserve procurement shares for small and medium-sized enterprises for procurement.

　　On the basis of the implementation of three social insurance premium policies for five poverty-stricken industries, such as catering, retail, tourism, civil aviation, highway, waterway and railway transportation, and in accordance with the provisions of national policies, other poverty-stricken industries that have been severely affected by the epidemic, experienced difficulties in production and operation in a large area of the industry and are in line with the guidance of national industrial policies will be expanded to implement the policy of deferred payment, and the period of deferred payment of old-age insurance will be extended to the end of this year.

　　The "Implementation Plan" particularly emphasizes increasing the support for stabilizing posts. We will optimize the implementation of the unemployment insurance return policy and further increase the return ratio. Large enterprises will return 50% of the unemployment insurance premiums actually paid by enterprises and their employees in the previous year, and small and medium-sized enterprises will return 90% of the unemployment insurance premiums actually paid by enterprises and their employees in the previous year. In addition, if an enterprise recruits college graduates in the graduation year, signs a labor contract and participates in unemployment insurance, it will issue a one-time job expansion subsidy at the standard of 1,500 yuan per person, which is not repeated with the one-time employment subsidy.

　　Monetary and financial policies

　　Personal housing, consumption and other loans of people affected by the epidemic can be postponed to repay the principal and interest.

　　In encouraging the implementation of deferred repayment of principal and interest for small and medium-sized enterprises, individual industrial and commercial households, truck drivers’ loans and personal housing and consumer loans affected by the epidemic, the Implementation Plan continues the relevant contents in the State Council’s package of policies and measures to stabilize the economy.

　　Specifically, guide commercial banks and other financial institutions to continue to negotiate independently with small and medium-sized enterprises, individual industrial and commercial households, truck drivers, etc. according to the principle of marketization, and postpone the repayment of principal and interest on their loans, and strive to make the extension as long as possible; Give a six-month extension of debt service support for commercial truck consumption loans issued before June 30 this year; For people who are hospitalized or isolated due to infection in COVID-19, who are isolated and observed by the epidemic situation or who have lost their sources of income, we will guide financial institutions to flexibly adjust the repayment plan by reasonably delaying the repayment time, extending the loan term and delaying the repayment of the principal.

　　In addition, the "Implementation Plan" specifically proposes that local financial organizations such as microfinance companies, pawn shops, financial leasing companies and commercial factoring companies should optimize financial services for key industries, small and micro enterprises and individual industrial and commercial households affected by the epidemic.

　　In terms of increasing the support for inclusive micro-loans, in addition to implementing the national policy requirements of doubling the amount and support ratio of inclusive micro-loan support tools this year, and guiding financial institutions and state-owned enterprises to support small and medium-sized enterprises’ accounts receivable pledge and other financing, the Implementation Plan proposes to implement the "first-time lender" loan discount subsidy, and appropriately extend the subsidy time limit depending on the discount effect. We will continue to guide the financial system to reduce fees and make profits to the real economy, and the central financial management department will give incentive funds to local corporate financial institutions that issue inclusive small and micro loans at an increase of 2% of the balance of inclusive small and micro loans.

　　At the same time, the "Implementation Plan" proposes to continue to promote the steady decline of the actual loan interest rate, improve the financing efficiency of the capital market, and increase the support of financial institutions for infrastructure construction and major projects. In particular, eligible platform enterprises are encouraged to publicly raise shares and go public overseas according to laws and regulations. Encourage high-quality brokers in the province with subsidiaries in Hong Kong, such as GF Securities, to increase their services for listing in Hong Kong, and strengthen the professional guidance and in-depth cultivation of IPO enterprises in Hong Kong stocks. Support Shenzhen Stock Exchange to build a trading platform for intellectual property rights and scientific and technological achievements, support Guangdong regional equity market to speed up the construction of "special board for scientific and technological innovation", "special board for specialization and special innovation" and "rural revitalization board", and build a centralized custody platform for unlisted securities and a comprehensive cultivation platform for enterprises to be listed.

　　Policy of stabilizing investment and promoting consumption

　　Promote technological transformation of 8,500 industrial enterprises.

　　Car trade-in can be up to 10,000 yuan/car.

　　In order to speed up the construction of provincial key projects, the Implementation Plan proposes to set up a special class for parallel examination and approval of provincial major projects, give full play to the overall coordination role of the special headquarters of six provincial major projects, and implement measures such as exempting construction projects from EIA procedures in accordance with laws and regulations, notifying and promising approval, and simplifying the contents of EIA preparation. We will promote a number of proven water conservancy projects, focusing on promoting the construction of Guangdong water resources allocation project around Beibu Gulf and Guangdong water resources optimal allocation project as soon as possible. Accelerate the investment in transportation infrastructure, speed up the construction of Guangzhou-Zhanjiang high-speed railway, Guangzhou-Shantou high-speed railway, shenyang-haikou expressway reconstruction and expansion project, start the construction of Hezhan railway and Ruimei railway, speed up the construction of cross-river and sea-crossing projects such as Shenzhen-China Passage, Shiziyang Passage and Huang Mao Sea Passage, and speed up the construction of "Greater Bay Area on track".

　　In order to stabilize and expand private investment, the Implementation Plan calls for encouraging and attracting more social capital to participate in major engineering projects, encouraging private enterprises to give full play to their own advantages to participate in key basic products and technical research, promoting qualified enterprises in the province to actively declare "little giant" enterprises specializing in specialty and innovation, accelerating the technological transformation of 8,500 industrial enterprises, and adding 1,500 new industrial enterprises to digital transformation in the second quarter. In particular, speed up the construction of digital government, develop the innovation industry, and enhance the breadth and depth of the application of innovation products and services in the daily office, business systems and important infrastructure of party and government organs. Encourage private investment to focus on urban infrastructure and participate in project construction in key areas through comprehensive development mode.

　　In order to promote the standardized and healthy development of the platform economy, the "Implementation Plan" emphasizes giving full play to the stable employment role of the platform economy, stabilizing the development expectations of platform enterprises and their symbiotic small and medium-sized enterprises, and driving small and medium-sized enterprises to bail out with the development of platform enterprises. Subsidize the e-commerce platform for small and medium-sized enterprises and individual industrial and commercial households to reduce online store deposits, publicity and promotion services. Encourage e-commerce platforms to provide traffic support for SMEs and subsidize the cost of participating in online promotion activities. Guide platform enterprises to do a good job in the online and offline linkage of the "last mile" of epidemic prevention materials and important livelihood commodities in epidemic prevention and control.

　　In order to steadily increase the consumption of automobiles, household appliances and other fields, we will implement the special action of automobile trade-in, and give a subsidy of 3,000-10,000 yuan/vehicle to those who scrap or transfer old cars with Guangdong license plates under their personal names, and at the same time buy new cars with trade-in promotion models in the province and put them on the license in the province. Encourage the purchase of new energy vehicles, and give 8,000 yuan/vehicle subsidy to individual consumers who purchase new energy vehicles within the scope of trade-in promotion models in the province before June 30 this year. Further optimize the management of car use, increase the car purchase index in Guangzhou and Shenzhen on the original basis, and no new measures to restrict car purchase shall be introduced in various places. We will fully implement the policy of removing the restrictions on the movement of used cars and remove the restrictions on the movement of small non-operating used cars that meet the national five emission standards. Optimize the investment and construction operation mode of charging piles (stations) for new energy vehicles, improve the construction standards of charging infrastructure and parking facilities, and gradually realize the full coverage of charging facilities in all communities and operating parking lots. More than 20,000 public charging piles have been built this year, basically achieving 100% full coverage of charging facilities in expressway service areas in the province. Encourage cities to organize production and sales enterprises such as household appliances to launch activities to benefit the people and promote consumption, and focus on encouraging the promotion of green smart home appliances, smart phones and wearable devices to promote the upgrading of household appliances in our province. Encourage all localities to issue coupons, Huimin coupons, etc. for consumption in retail, catering, cultural tourism, accommodation and sports, and activate the consumer market.

　　Policy of ensuring food and energy security

　　Accelerate the payment of agricultural subsidies for cultivated land, and add 13 million kilowatts of installed power this year.

　　Ensuring food and energy security is an important prerequisite for stabilizing the economy.

　　The "Implementation Plan" proposes to improve and perfect policies such as grain income security, speed up the distribution of subsidies for the protection of cultivated land fertility, and timely distribute the second batch of agricultural subsidies to make up for the decline in grain income brought about by rising costs. We will introduce a policy of rewarding and subsidizing the rehabilitation of abandoned farmland to ensure stable grain production and increase production.

　　The "Implementation Plan" emphasizes that efforts should be made to promote the implementation of a number of energy projects. 8.88 million kilowatts of backbone power supply projects and 26 power grid projects supporting coal-fired power stations, gas-fired power stations and pumped storage power stations will be completed and put into operation this year. This year, the installed power supply is 13 million kilowatts. At the same time, improve the coal reserve capacity and level, and strengthen the reserve capacity of energy resources such as crude oil.

　　Policy of ensuring supply chain stability in industrial chain

　　Small and micro enterprises and individual industrial and commercial households use water, electricity and gas in arrears.

　　In order to reduce the production and operation costs of market players, the "Implementation Plan" clearly stipulates that the policy of "non-stop supply of arrears" for water, electricity and gas for small and micro enterprises and individual industrial and commercial households temporarily experiencing production and operation difficulties due to the epidemic situation will be fully implemented, and a six-month fee deferral period will be set up, and cities will be encouraged to further extend it according to local conditions, and late fees for arrears will be exempted during the deferral period.

　　The "Implementation Plan" proposes to promote the phased reduction and exemption of housing rents for market entities. This year, it is listed as a county-level administrative area where high-risk areas in the epidemic are located (Dongguan City and Zhongshan City are located in the administrative areas of towns and streets). Small and micro enterprises in the service industry, small and micro enterprises in the manufacturing industry and individual industrial and commercial households rent state-owned houses, and the rent is reduced for six months this year, and the rent in other areas is reduced for three months. If the lessor waives the rent, it can waive the property tax and urban land use tax in the current year according to the regulations. Small and medium-sized enterprises that rent standard factories in industrial parks and industrial clusters will be given rent holdover or reduction support, and municipalities will give subsidies to the lessors of standard factories to reduce their rental income.

　　For enterprises in industries such as civil aviation, which are greatly affected by the epidemic, the "Implementation Plan" emphasizes the need to increase relief support, increase the amount of emergency loans for civil aviation, encourage banking financial institutions to increase credit support for airports and airlines in the province, encourage qualified airports and airlines in the province to issue corporate credit bonds, and broaden diversified financing channels. As a relief fund for cultural tourism enterprises, the provincial financial co-ordination fund is mainly used to support cultural tourism enterprises such as key travel agencies, A-level tourist attractions, cultural and artistic troupes, performance venues and cultural tourism to promote consumption activities.

　　In terms of optimizing the policy for enterprises to return to work and achieve production, the Implementation Plan emphasizes that the epidemic prevention and control measures defined by the joint prevention and control mechanism of the State Council and the joint prevention and control mechanism of the province should be strictly implemented, and the implementation standards and enforcement efforts of cities, counties, towns and villages should be consistent, and they should not be enlarged without authorization or overweight at different levels. Low-risk places can’t restrict the flow of people at will, and places with epidemic situations can’t arbitrarily expand the scope to ban eating in restaurants and shut down production and business premises outside the "three areas". Encourage qualified enterprises to carry out closed-loop production in the event of an epidemic to ensure their stable production. In principle, it is not required to stop production. The government where the enterprise is located should give guidance on epidemic prevention and control, strengthen the services of returning employees, logistics support, upstream and downstream connection, and minimize the impact of the epidemic on the normal production and operation of the enterprise.

　　In terms of improving the policy of ensuring smooth traffic and logistics, the epidemic prevention restrictions on freight vehicles from areas with low risk of epidemic situation are completely abolished, and efforts are made to break through the bottleneck of manufacturing logistics and speed up the turnover of finished goods inventory; It is not allowed to block or close highways, ordinary highways and waterway locks without authorization. It is strictly forbidden to isolate county and rural roads, and it is not allowed to shut down expressway service areas, ports and docks, railway stations and civil transport airports without authorization. It is strictly forbidden to restrict the normal flow of people in areas with low risk of epidemic situation. For industrial enterprises involved in epidemic areas, the vehicle passes for transportation of key materials should be "applied to the utmost" and "issued to the utmost" to ensure the smooth logistics of key materials. For freight vehicles coming from or entering or leaving the city where the high-risk areas in the epidemic are located, the system of "taking, leaving and chasing" shall be implemented.

　　Policy of ensuring basic livelihood

　　People who are in difficulty due to the epidemic can be temporarily rescued from the place where the emergency occurred.

　　At present, the downward pressure on the economy is increasing, and it is even more necessary for government departments to make precise policies and concentrate financial resources to protect basic people’s livelihood.

　　The "Implementation Plan" requires that the phased support policy for housing provident fund be implemented, and enterprises affected by the epidemic can apply for deferred payment of housing provident fund according to regulations, and pay back after the expiration. During this period, the paid employees can normally withdraw and apply for housing provident fund loans, which is not affected by holdover. If the depositor affected by the epidemic cannot repay the housing provident fund loan normally, it will not be overdue and will not be submitted to the credit information department as an overdue record.

　　At the same time, we will improve the support policies for agricultural transfer population and rural labor employment and entrepreneurship, improve the provincial financial incentive mechanism for urbanization of agricultural transfer population, and increase support for areas where migrant agricultural transfer population across provinces and provinces has settled in many places. Will meet the conditions of new citizens into the scope of business guarantee loans, new citizens belong to the key groups of self-employment or business within three years, can apply for a maximum amount of 500 thousand yuan of personal business guarantee loans. If the small and micro enterprises founded by new citizens meet the relevant conditions, they can apply for a guarantee loan of up to 5 million yuan for small and micro enterprises.

　　More importantly, it is necessary to improve the social and people’s livelihood security measures. The "Implementation Plan" requires that the aid subsidy funds allocated by the central and provincial governments be well used and distributed in full and on time to the people who need help through the direct financial mechanism. Co-ordinate relief resources, give precise subsidies according to the characteristics and needs of the relief objects, cancel the restrictions on household registration and residence, and give temporary relief to people who have difficulties in basic life due to the epidemic from the place where the emergency occurred.

　　【fiscal policy】

　　● For all small and medium-sized enterprises and individual industrial and commercial households that are temporarily affected by the epidemic, the payment of three social insurance units will be deferred in stages, and the deferral period will be implemented in stages until the end of this year.

　　Monetary and financial policies

　　● Delayed repayment of principal and interest for small and medium-sized enterprises, individual industrial and commercial households, truck driver loans and personal housing and consumer loans affected by the epidemic.

　　Policy of stabilizing investment and promoting consumption

　　● Promote the technological transformation of 8,500 industrial enterprises; The subsidy for car trade-in can reach up to 10,000 yuan/car; The charging facilities in the expressway service area in the province are fully covered.

　　Policy of ensuring food and energy security

　　● Accelerate the distribution of farmland fertility protection subsidies and the second batch of agricultural subsidies; Promote 8.88 million kilowatts of backbone power supply projects and 26 power grid projects to be completed and put into operation this year, and add 13 million kilowatts of power supply installed this year.

　　Policy of ensuring supply chain stability in industrial chain

　　● Small and micro enterprises and individual industrial and commercial households that are temporarily experiencing difficulties in production and operation due to the epidemic situation can use water, electricity and gas "without interruption", and the maximum rent for renting state-owned houses can be reduced for six months.

　　【Policy of ensuring basic livelihood】

　　● Enterprises affected by the epidemic can apply for deferred payment of housing provident fund according to regulations; New citizens can apply for a personal business guarantee loan with a maximum amount of 500,000 yuan.

In the first half of the year, the premium income was 2,553.7 billion yuan, and the premium income of health insurance exceeded that of auto insurance.

　　On July 25th, China Banking and Insurance Regulatory Commission announced the operation of the insurance industry in the first half of 2019. According to the data, in the first half of 2019, the original insurance premium income of the whole industry was 2,553.7 billion yuan, up by 14.16% year-on-year. Among them, the original insurance premium income of property insurance companies was 670.6 billion yuan, a year-on-year increase of 11.32%; The original insurance premium income of life insurance companies was 1,883.1 billion yuan, up 15.12% year-on-year, and the new payment of policyholders’ investment funds and investment-linked insurance independent accounts was 600.3 billion yuan, up 28.32% year-on-year. It is worth noting that since the first half of the year, the health insurance premium income of the whole industry has reached 397.6 billion yuan, exceeding the auto insurance premium of 396.6 billion yuan. (today’s guarantee)

　　The total assets of Guangdong insurance industry exceeded the trillion mark, and the premium increased by 21.52% in the first half of the year.

　　On July 24, the reporter learned from Guangdong Banking Insurance Regulatory Bureau that in the first half of 2019, the total assets of Guangdong insurance industry (excluding Shenzhen) reached 1.02 trillion yuan, which exceeded the trillion mark for the first time, with an increase of 8.12% year-on-year. In the first half of 2019, the insurance industry in Guangdong achieved a premium income of 239.74 billion yuan, a year-on-year increase of 21.52%, of which the premium income of property insurance companies was 50.462 billion yuan, and the premium income of life insurance companies was 183.02 billion yuan, ranking first in the country in terms of total premium, property insurance and life insurance. (21st century business herald)

　　The highest rate of return of investment-linked insurance accounts in the first half of the year was 39%, and over 90% of the accounts received positive returns.

　　Recently, Huabao Securities recently released a statistical report on investment-linked insurance, showing that there were 200 investment-linked accounts included in the ranking system in June 2019. Except for three investment-linked insurance accounts with negative returns, all other accounts had positive returns, and the accounts with positive returns accounted for more than 90%. Among them, the accounts with the highest returns had a yield of 39% in the first half of the year. (Securities Daily)

　　Rongsheng Property Insurance lost 127 million yuan in the first year of its establishment. Less than one year after its opening, the president left.

　　Recently, the second quarterly report of solvency was released one after another, and the company’s "annual examination" report card was officially unveiled, which came together with the net profit loss of 127 million yuan and the underwriting profit of the top five insurance products, as well as the resignation of President Xu Guangzhe. In front of the new president, in addition to how to turn the tide and help the performance turn losses into profits, the next layout of technology insurance has also become the focus of attention. (beijing business today)

Good consultation and Cathay Property Insurance Cooperation The second old-age medical insurance was officially launched in Alipay.

　　On July 25th, Shanzhen, the inventor and leader of medical insurance for the elderly, and Cathay Property Insurance, a member of Ant Financial, jointly created the "filial piety insurance" medical insurance product for the elderly, which was officially put on sale on Alipay Ant Insurance Platform. This is the second product developed by the joint industry for the brand-new insurance sub-category of old-age medical insurance after the original invention of good diagnosis launched the first domestic old-age medical insurance in March. The "filial piety insurance" old-age medical insurance uses the Alpha accurate risk control engine specially developed for the silver-haired group, which realizes the first insurance for the highest 80-year-old people to buy, and the longest insurance can be extended to 100 years old, providing the basic guarantee of malignant tumor+accidents and the guarantee upgrade of unlimited diseases, with a maximum coverage of 4 million. This product landed on Alipay Ant Insurance Platform, which also represents the initial recognition of medical insurance for the elderly by industry giants. (today’s guarantee)

　　Today’s headlines re-sell insurance, and after half a year of rectification, they are low-key online.

　　Today’s headline APP’s insurance channel has recently launched a number of products, which have changed to some extent compared with the main products before they were removed from the shelves: regarding the problem of improper publicity of its insurance sales subject referred to by supervision, the insurance channel display page of today’s headline APP has changed from the "headline insurance" initially displayed to "insurance service"; There is a gray font at the bottom of the page: this platform is provided with insurance services by Beijing Huaxia Insurance Brokerage Co., Ltd. At the same time, on the insurance product page, the words "sold by Huaxia insurance broker" were added to the information of insurance companies previously underwritten.

　　At present, today’s headline APP shows that the online products come from three insurance companies, including 2 Taikang Online, 5 Allianz Property Insurance and 2 Asia-Pacific Property Insurance. According to official website, an insurance broker of Huaxia, it also sells products of many insurance companies, such as Centennial Life Insurance, Luxury Life Insurance, Sino-Dutch Life Insurance, Ruihua Health Insurance and Anxin Insurance. Official website, an insurance broker of Huaxia, also showed that he is still selling insurance on the Know Car Emperor APP, which is also the headline APP today. (Broker China)

　　Take risks and invest in new science and technology innovation board. Expect to test the investment value with time.

　　Science and technology innovation board is the hottest topic in the capital market these two days, and it has also become the most surprising investment income of insurance equity this year. Insurance funds are also important institutional investors in science and technology innovation board. The six insurance institutions interviewed by the reporter who participated in the new venture in science and technology innovation board all said that "the rate of return is quite good" and achieved the expected income target. The insurance funds interviewed generally made a profit on the first day of trading in science and technology innovation board, and said that they would continue to pay attention to the follow-up trends and opportunities. (Securities Times)

　　Foreign capital makes efforts to invest in insurance market segments or benchmark international markets.

　　The Office of the State Council Financial Stability and Development Committee recently launched 11 measures to open up the financial industry, among which the opening up of the insurance industry is regarded as the "highlight" by the industry. Although the market share of foreign life insurance will increase in the future, the channel problem may be the bottleneck of the business development of foreign life insurance companies. Internet sales can be a breakthrough in the future, but it will be limited by the total scale. Therefore, poor sales channels will still restrict the development of foreign life insurance companies in the future. The liberalization of the foreign shareholding ratio of insurance asset management companies will promote the insurance investment to be in line with the international market, dig out more assets that meet the long-term characteristics of insurance funds, enhance the investment ability of insurance funds, better support entities, and support the transformation of liabilities. (china securities journal)

Financial Times Survey: Mutual Treasure Enlightens Public Security Habits

　　On July 24th, according to the latest survey of the Financial Times, one third of the respondents of Mutual Treasure users said that they are very likely to buy critical illness insurance in the next six months, and the proportion is as high as 55% in first-tier cities. Among the users who did not participate in mutual treasure, the proportion was only 22%. The Financial Times said that at first, traditional insurance companies were worried that mutual treasures might divert customers. On the other hand, the survey results are just the opposite. Mutual Insurance has raised the public’s awareness of protection by lowering the protection threshold, so traditional insurance companies have gained more potential customers. (World Wide Web)

　　Report: Only 30% of white-collar workers buy health insurance.

　　Zhilian Recruitment and Micro-medicine recently released the "2019 Workplace Health Report". The data shows that only 20% of white-collar workers think that they are in good health, only 30% of white-collar workers buy health insurance, and the purchase rate of young people is low. According to the survey data, only 23.3% of people in the workplace think that they are in good health at present. Among them, 5.5% rated themselves as "very good"; It is considered that the general physical condition accounts for the most, reaching 45.4%; Another 31.3% people think that their physical condition is poor. Men are more confident about their health, and 26.8% of men think they are in good health, compared with 19.8% of women. (Beijing Daily)

Credit insurance business exposes four major problems, supervision warns of barbaric growth hidden dangers

　　On July 24th, the reporter learned exclusively that the regulatory authorities recently found internal control loopholes such as lack of management system and imperfect early warning mechanism in a thorough investigation of 62 property insurance companies operating credit insurance business, and warned the companies to operate cautiously and make practical rectification. (shanghai securities news)

BriteCore, a core software solution provider, has received a new round of financing of $47.6 million.

　　BriteCore, a supplier dedicated to providing the next generation of core software solutions for insurance companies, announced that it has received $47.5 million in financing led by WarburgPincus. The original investors RadianCapital and WCF Mutual Insurance Company also participated in this round of financing. This round of investment has made the company’s total financing amount exceed 70 million US dollars, enabling BriteCore to further accelerate the development of innovative products, while continuing to expand its insurance industry expert team to help support the growth of its customers. BriteCore is a platform that provides modern end-to-end core software for property and accident insurance companies with industry-leading technology. The cloud native solution designed by Britecore is deployed through Amazon web services and constantly updated, which maximizes security, efficiency and durability. The API integration function provides access to third-party solutions and extends the basic core, data and digital products of BriteCore. More than 50 insurance companies, MGA intermediary platforms and insurance technology start-ups have cooperated with BriteCore to access emerging technologies, improve operational efficiency and optimize user experience through this platform, so as to promote digital transformation and gain competitive advantages. (crossing insurance observation)

　　SPLICE Software cooperates with Lighthouse Property Insurance to provide user service for it.

　　SPLICE Software is an American technology company that is good at using big data, small data and voice recognition technology to optimize user participation. Recently, SPLICE announced that it has reached a cooperation with Lighthouse PropertyInsurance, a regional property insurance company, which will provide proactive personalized communication services for policyholders of Lighthouse to enhance the company’s user experience. It is reported that Lighthouse Property Insurance will simplify the communication with policyholders and optimize the user experience through SPLICE’s Dialog Suite. In addition, Lighthouse will exchange data seamlessly and securely through Insuresoft’s diamond platform and SPLICE. (crossing insurance observation)

　　END

　　　 This article was first published on WeChat WeChat official account: Today’s Insurance. The content of the article belongs to the author’s personal opinion and does not represent Hexun.com’s position. Investors should operate accordingly, at their own risk.

The people’s governments of prefectures, cities, counties and districts, provincial committees, offices, departments and bureaus, and relevant enterprises and institutions:

According to the Notice of the General Office of the People’s Government of Yunnan Province on Printing and Distributing the Implementation Plan for the Construction of the Investment Approval Intermediary Supermarket in Yunnan Province and the Interim Measures for the Management of the Investment Approval Intermediary Supermarket in Yunnan Province (Yun Zheng Ban Han [2015] No.130), the investment approval intermediary supermarkets at all levels in the province (hereinafter referred to as the intermediary supermarkets) will soon be completed and put into operation. In order to standardize the operation and management of intermediary supermarkets in the province, and create a fair, open, fair and transparent, orderly competition, standardized practice, convenient for enterprises and the people, clean and efficient intermediary service market environment, with the consent of the provincial people’s government, relevant matters are hereby notified as follows:

First, get ready for operation

(a) to create operating conditions. Intermediary supermarket is a unified platform for public selection of investment approval intermediary services (hereinafter referred to as intermediary services), and it is an important content of building a government ruled by law, an innovative government, a clean government and a service-oriented government. Governments at all levels should conscientiously implement the decision-making arrangements of the provincial people’s government, organize the completion of system deployment, platform construction, project organization, staffing and business training as soon as possible, and ensure that intermediary supermarkets meet the operating conditions on time.

(two) clear management functions. Governments at all levels should make it clear that government service management institutions are the operation management departments of intermediary supermarkets at the same level, give management services and supervision and evaluation responsibilities, and provide necessary guarantees in terms of personnel and funds to ensure the normal operation of intermediary supermarkets.

(3) Seriously organize to settle in. Development, reform and organization departments at all levels should carefully sort out the list of items for examination and approval of government investment projects at the corresponding level and the corresponding list of items for investment examination and approval intermediary services, and dynamically manage the item information through the online examination and approval supervision platform of investment projects in the province and the online intermediary information management system. Relevant administrative and industry authorities should promptly organize the information review, filing and entry of intermediary service agencies in strict accordance with the qualification types and work processes of intermediary service agencies stationed in the province’s intermediary supermarkets, so as to truly realize the full liberalization and equal competition of the investment approval intermediary service market, break the geographical barriers and industry monopoly protection, and further stimulate market vitality.

Second, standardize the operation and management

(4) Define the scope of selection. The provincial administrative organs, enterprises and institutions (hereinafter referred to as procurement units) shall, in accordance with the principle of "territorial management, graded procurement, competitive selection and one-thing selection", organize the use of fiscal and state-owned funds to purchase projects with investment approval intermediary services of less than 1 million yuan (except confidential projects) in the intermediary supermarkets at the corresponding level, and openly select intermediary services, and shall not designate intermediary services in any form; For projects of 1 million yuan or more, the agency will determine the intermediary service agency by means of public bidding when entering the public resource trading centers at all levels, and the signed contract will be registered in the intermediary supermarket at the same level, and the project code will be associated with the investment approval and supervision platform, which will be included in the supervision and management of the whole life cycle of the investment project.

(5) Strict project management. Investment examination and approval departments at all levels shall not entrust their subordinate (competent) intermediary service institutions to carry out intermediary services related to investment examination and approval of their own departments. The investment examination and approval department shall give priority to the service items provided by various intermediary service agencies selected by intermediary supermarkets, and the financial department shall allocate relevant expenses on time. For the service items that the procurement unit has entrusted the intermediary service agencies to complete, the intermediary supermarkets at all levels should strictly review and check, and may not select the same agency to carry out the technical review of the matter.

(6) Strengthen industry supervision. Intermediary service agencies that have settled in the province’s intermediary information management system can carry out relevant work in intermediary supermarkets at all levels, consciously abide by national laws and regulations and the regulations on the operation and management of intermediary supermarkets, and carry out intermediary services within the scope of qualification according to laws and regulations. At the same time, it is necessary to strictly enforce industry self-discipline, establish systems such as service commitment, time-limited completion, practice publicity and one-time notification, optimize service processes, standardize practice behavior, and improve service quality and efficiency. Industry authorities at all levels should conscientiously perform their duties of industry supervision, establish and improve the complaint reporting mechanism, and strengthen the supervision and management of intermediary service institutions.

(7) Strengthening system construction. Intermediary supermarket management departments at all levels should conscientiously implement the requirements of the national and provincial people’s governments to clean up and standardize the intermediary services for administrative examination and approval, and formulate strict operating rules, supervision and management systems to ensure the fair, just, open, standardized and efficient operation of intermediary supermarkets. The implementation of intermediary service star rating and intermediary service institutions credit file records, credit rating evaluation system, the relevant business information of intermediary service institutions to the public, and the credit record information into the national unified credit information platform. Establish a disciplinary and elimination mechanism, publicly expose and blacklist intermediary service agencies that issue false certificates or reports and other violations, and clear out intermediary supermarkets in Yunnan Province.

Third, the overall organization and implementation

(eight) unified thinking and understanding. The operation and management of intermediary supermarkets is an important measure to comprehensively deepen the reform of administrative examination and approval system, innovate government procurement methods and create a level playing field. All localities and departments should fully understand the importance and urgency of the operation and management of intermediary supermarkets, strengthen organizational leadership, change ideas and concepts, and actively participate in the open selection of intermediary services. Further intensify publicity, create a good public opinion atmosphere, and promote the healthy and orderly development of intermediary supermarkets.

(9) Carefully organize the operation. Governments at all levels should organize intermediary supermarkets at the same level to start operation as soon as possible, and conscientiously do a good job in reviewing and issuing procurement announcements, openly selecting intermediary service agencies, tracking contract negotiations and recording credit information according to the needs of intermediary service projects of procurement units. Where the use of financial and state-owned funds to buy intermediary service projects, provincial and state-level procurement units must be in March 31, 2016, county-level procurement units must be in July 31, 2016, all entered the intermediary supermarket at the same level for public selection.

(10) Strict work discipline. Governments at all levels should organize government supervision, supervision, finance and auditing departments to carry out special supervision and inspection on the operation and management of intermediary supermarkets in a timely manner. For those units and individuals who do not enter the intermediary supermarket in accordance with the regulations, openly select intermediary service agencies, illegally accept and approve intermediary service matters, illegally use fiscal and state-owned funds to pay intermediary service fees, and violate the principle of fairness and openness, deliberately obstruct or restrict the intermediary agencies that meet the requirements of entering the intermediary supermarket, supervisory organs at all levels should investigate their responsibilities in accordance with relevant regulations.

General Office of Yunnan Provincial People’s Government

January 20, 2016

(This piece is publicly released)

　　Since the three major operators launched unlimited packages, the regulation that traffic usage will be limited after reaching a certain threshold is not well known and has been criticized by users.

　　Recently, a number of users reported to the complaint platform of the quality report column that during the use of unlimited packages, they were notified by SMS of operators to slow down, and some "WeChat couldn’t get on for a long time", and some even normal work was affected. Although some packages can restore the normal internet access speed by purchasing a flow refueling package, users still say that they have been cheated, because when handling packages, operators focus on "unlimited flow" and "free use", but rarely mention the "speed limit" regulation.

　　The Paper combed and found that most of the online business halls of local operators advertised unlimited packages at the top. Only by clicking on the product details page can you see the speed limit plan marked in gray or fine print.

　　In addition, in order to promote a variety of unlimited packages, the three major operators often reduce the monthly fee by giving away the phone bill in the early stage of package use, and focus on promoting the discounted price, and then the package is "more expensive".

　　Analysts pointed out that operators should adjust their promotion strategies and make clear the unlimited traffic.

　　Also worthy of users’ attention is the free service of APP exclusive traffic launched by operators in cooperation with Internet companies. The reporter found out that these free exclusive traffic actually contains a number of exclusion rules, and some operations and services on the APP cannot be used, so they can only pay extra traffic charges.

　　"Unlimited" can be seen everywhere, and "speed limit" stipulates that small notes should be found.

　　A user in Haikou, Hainan reported that she bought an unlimited family package of China Mobile 98 yuan. I usually like to play Tik Tok, Weibo and WeChat, because I have opened hot spots for my friends to use, and I will run out of 20G in the middle and late of each month. After 20G was used up, the Internet speed dropped to a point where it was difficult to log in even to WeChat, and it was extremely difficult to send text and browse pictures at most. It was only after consulting customer service and re-purchasing 15 yuan 3G domestic traffic acceleration package that it returned to normal.

　　Another user from Jiangsu said that the China Telecom 99 yuan unlimited package he handled also had a speed limit after 20G, and he didn’t notice the regulation until the operator sent a text message. "I usually watch TV dramas and national karaoke, but the problem is that this product can’t be called unlimited."

　　In response to the speed limit problem reflected by netizens, the reporter consulted the websites of online business halls of China Unicom, China Mobile and China Telecom in many places, and found that most of the front pages of business halls advertised unlimited packages. The slogans included "unlimited traffic", "unlimited traffic" and "unlimited sharing", but almost no tips about speed limit were found.

　　Click to enter a product page. In most cases, the word "unlimited" can be seen everywhere, while the prompt for slowing down is generally behind, and it is indicated in inconspicuous small print or gray body.

　　For example, in the details page of China Telecom’s official website Tianyi national unlimited package, the first thing that catches your eye is still the bold slogan — — "If you want to watch the live broadcast, you can watch it, and the traffic is willful." In the tariff table at the lower position, the column of national traffic only indicates "unlimited". The speed limit regulations can only be found in the small print notes below if you look carefully. According to the note, 99 yuan -999 yuan packages with different stalls have different deceleration thresholds of 20-80G. After the cumulative domestic mobile Internet traffic reaches the corresponding threshold in the current month, the Internet access rate drops to 1Mbps, and it will resume in the next month.

China Telecom official website Unlimited Package Details Page

　　China Mobile’s "Let Me Use" national unlimited package in 88 yuan is more complicated and distributed in different interfaces. The details page shows that the traffic in the package is only 2G, and another 12 months of 8G domestic traffic is given, while the traffic outside the package emphasizes that "domestic traffic is unlimited and can be used at will".

China Mobile’s Unlimited Package Product Details Page

　　Only by clicking to enter another interface of tariff standard, the last item of tariff rules explains that the traffic outside the package will slow down the internet access speed. According to the rules, if 9 yuan 3G domestic traffic refueling package is handled at this time, the Internet speed can be restored.

　　As for the speed reduction regulation after the total usage flow reaches 100G, you can only find it in the warm prompt interface — — The network speed will drop below 128Kbps.

The speed limit rules with different usage are distributed in two different interfaces.

　　It is also difficult to find the regulations on speed limit on the homepage interface of the network halls of China Unicom. However, in comparison, you can see a clearer "speed limit description" by clicking into the unlimited package of big and small ice cards, and the bold font is used uniformly.

On the inner page of an unlimited ice cream package in a certain area of China Unicom, the speed limit description is clearer and marked in bold font.

　　For the promotion of unlimited packages in the offline business hall, many users also reported that the staff publicized "unlimited" and "free use" when handling, and most of the speed limit regulations were not mentioned. However, the SMS reminder received after the successful package is too long, and the speed limit reminder is often easily ignored by users.

　　Insiders: There is nothing wrong with the speed limit, but the fault lies in the promotion method.

　　In fact, it has long been an international practice to over-limit unlimited packages.

　　According to the People’s Post and Telecommunications, the consideration of over-limit design is to ensure that most users can use the mobile network fairly and reasonably. In 2007, when Apple’s mobile phone became popular in the United States, users’ demand for mobile Internet access was greatly stimulated. American telecom operators started unlimited package plans, but because there were no restrictions, the user experience dropped significantly, and finally operators stopped developing unlimited packages.

　　According to some technical experts, due to the limited total bandwidth of the shared base station in the mobile network, if many users occupy the mobile network at high speed at the same time, it may cause network congestion. According to the principle of "first come, first served", users who want to access the Internet later will not be able to access the Internet and need to wait in line. At the same time, the internet speed of other users who are already online will also become "turtle speed", and the experience will become worse. Therefore, at present, the unlimited packages around the world are all designed in steps — — First, meet the maximum network speed promised by the vast majority of users. After reaching the speed limit, the network speed will drop.

　　However, despite this, Liu Qicheng, editor-in-chief of all media who has been concerned about the development of the domestic communication industry for many years and the communication world, said that he could not agree with the current promotion methods of domestic operators.

　　"(Operators should) clearly explain the unlimited traffic, and it is best to clearly explain what 10 G’s can do and what they can achieve, instead of simply emphasizing unlimited, weakening the speed limit information, marking it with small words or casually mentioning it to you." Liu Qicheng said.

　　For example, Liu Qicheng said that the Internet access rate in the 2G era can only reach 9.6Kb, and it can reach 1-2Mb in the 3G era. However, in today’s 4G era, the ideal situation can reach 5-10Mb, and generally it can reach 2-4Mb. Therefore, once the limit is limited, the user’s experience will inevitably deteriorate significantly, not to mention the fact that the user’s expectation is infinitely improved.

On the homepage of official website in a certain area of China Telecom, it can be seen that the "unlimited" package promotion is obvious, and "unlimited" is promoted in bold font, but there is no mention of "speed limit" and other regulations.

　　The monthly fee is "more expensive", and the APP is free of many restrictions on traffic.

　　In addition to the difficulty in finding the speed limit, The Paper found that some unlimited packages launched by operators will make users feel "more expensive" because they offer a large number of preferential prices in the early stage.

　　For example, China Mobile launched an unlimited package with a preferential price of 68 yuan, and its original price was 128 yuan. After recharging, the monthly fee of new users dropped by as much as 60 yuan, and it dropped by 30 yuan after 12 months, and the original price was restored after 24 months.

　　A similar situation exists in a number of unlimited packages launched by China Telecom. Among them, the monthly fee for the Premium Edition of Grand Card is 46 yuan. In the first 12 months, 25 yuan phone bill will be given every month, and the monthly fee will be reduced to 21 yuan, and the original price will be restored one year later.

　　In contrast, China Unicom’s unlimited packages have not adopted the above-mentioned long-term preferential way. At present, the "Big Ice Card" and the "Little Ice Card" packages are paid in one lump sum by pre-storing the phone bill from 99 yuan to 100 yuan and pre-storing the phone bill from 49 yuan to 50 yuan respectively.

The unlimited package launched by China Mobile in a certain place has a large number of phone bill concessions in the first 24 months, and then the original price is restored.

China Telecom launched a premium version of the Grand Card package, giving away more than half a month’s phone bill in the first 12 months, and restoring the original price one year later.

　　Fu Liang, a telecom analyst who has been paying attention to the Internet and communication for a long time, believes that the one-time discount method not only gives discounts to new users, but also avoids the situation that the package is "more expensive to use". "The ideal way is to operate a user from the moment the user enters the door, so that users can feel cheaper and cheaper tariffs and better service, instead of attracting users with high preferential policies and then letting them go."

　　In addition to the increasingly expensive monthly fee, The Paper also found that the exclusive traffic is not applicable to all operations in the traffic-free package that operators cooperate with Internet companies.

　　For example, the "Let Me Watch" video traffic package promotion launched by China Mobile can be used exclusively on many video apps such as Mi Gu Video and Tencent Video, but the scope of use of these targeted traffic is still limited — — The traffic generated by online viewing/downloading/caching of pictures, texts, advertisements in videos, barrage, third-party advertisements, etc. in the APP is not within the exclusive traffic use range, that is, users need to pay extra traffic fees for it.

Description of the scope of use of exclusive mobile video traffic in Migu Video APP.

　　Tencent Wangka (including Dawang Card, Diwang Card and Tianwang Card) jointly launched by China Unicom and Tencent also has similar regulations, although it claims that "over 100 APPlications are free of traffic" and "Say goodbye to Wifi and use it whenever you want". The exclusive traffic description at the bottom of the introduction page shows that services such as web pages and videos provided by third parties on the app, such as mobile news network, sogou, Baidu, iQiyi video, Ctrip and JD.COM, are not Tencent. In addition, the streaming-free range of a variety of live apps is limited to watching live broadcasts and playing videos, while using mobile phones for live broadcasts, uploading videos, loading text and pictures in live broadcasts, and video on demand are not within the exclusive traffic range.

The scope of application of the exclusive traffic of Dawang Card jointly launched by Unicom and Tencent.

　　In this regard, some netizens said that because they didn’t notice the relevant reminders, after running an APP directional flow card, the phone bill did not drop but increased, and the above rules were discovered after consultation.

　　Ma Jihua, an analyst in the telecommunications industry, said in an interview with Zhongxin.com this year that the publicity of targeted traffic is still vague, mainly depending on how the APP and the basic manufacturers negotiate, but the contract will not be publicized to users, and there is no unified standard for publicity.

　　(Reporter Wen Wei Intern Yan Xiaoyan)

　　(Original title:Unlimited mobile phone traffic packages are spit out: "unlimited" is very big, and "speed limit" is hard to find)

these two days

Cold wave strikes

Affected by strong cold air

Many places in China have entered the "quick freezing mode"

Yesterday to this morning

Temperatures in 12 big cities such as Shijiazhuang

Hit a new low in the second half of this year

What is the weather like in Hebei?

Let’s take a look at HebeiWeather reality

Temperature reality

The lowest temperature in many places in Hebei this morning

Continue to refresh the record since autumn.

This morning, the lowest temperature in 78 counties (cities, districts) in Hebei Province continued to set a new record for the local lowest temperature since autumn, and the lowest temperature in Kangbao was -21.9℃. Twelve counties (cities, districts) in southern Hebei Province, such as Linxi, Weixian and Pingshan, where the lowest temperature has not yet "broken zero", all dropped below 0℃ this morning.

Precipitation situation

From last night to night, sleet or snow appeared in the southern part of Hebei Province, and the snowfall gradually ended from west to east from midnight to early this morning. In this process, precipitation occurred in 52 monitoring stations in Hebei Province, of which precipitation of 5 mm and above occurred in 13 monitoring stations in southern Xingtai and Handan, with the largest fat town of 9.6 mm.

Cold wave erupts.

Have you entered winter there?

Come and see the winter progress map of Hebei Province in 2023.

↓↓↓

Winter site as of November 10th:

Zhangjiakou: the whole region

Chengde: the whole region

Baoding: Laiyuan

Qinhuangdao: Qinglong

Entering winter site:

The rest of the province is entering the winter.

weather forecast

Today and tomorrow.

Cold air "control field"

The temperature is still low.

The highest temperature in most areas during the day is below 10℃

Cold air "controls the field", and strong winds and cooling attack!

lower the temperature

The lowest temperature is still below freezing in the morning and night, and,Tomorrow morning, the cold air will exert its strength, and the lowest temperature in Baoding and the south of Langfang will drop by 2 ~ 4℃, and the chill will attack people. You need to wrap up a thick down jacket when you go out.

(Cangzhou temperature trend, Central Meteorological Observatory)

gale

During the daytime tomorrow, there will be northerly winds of 4 to 5 and gusts of 6 to 7 in Cangzhou, Baoding, Langfang and the north, and northerly winds of 5 to 6 and gusts of 7 to 8 in coastal waters and coastal areas.

Specific forecast

Hebei Meteorological Observatory issued the weather forecast at 11: 00 on November 11th, 2023:

From this afternoon to night, Xingtai and Handan turned cloudy and sunny, while other areas were cloudy and cloudy.

Tomorrow during the day, the whole province will be sunny and cloudy.

From tomorrow night to the 13th, Chengde, Tangshan and Qinhuangdao will be sunny and cloudy, while other areas will turn sunny and cloudy.

From the night of 13th to 14th, the whole province was cloudy and sunny.

Forecast of major cities in Hebei Province

Cold wave erupts.

Pay attention to health hazards

Asthma index of children on November 12, 2023

↓↓↓

(Hebei Meteorological Service Center)

Meteorological risk grade of asthma in children:

Level 1: Blue has low risk.

Grade 2: Green risk is high.

Grade 3: Yellow has high risk.

Level 4: Red is extremely risky.

The public should pay attention to strengthening warm protection.

Try to avoid direct contact with cold air.

Beware of the health hazards caused by sudden drop in temperature.

Cold weather is clever to keep out the cold

In terms of personal protection,Pay attention to changing thick clothes, such as cotton trousers,And wear protective equipment, such as hats, masks, scarves, gloves, etc. At the same time,Reduce outdoor activities,Reduce the harm of huge temperature difference between indoor and outdoor to the body.

Indoor heating is the best measure to protect people’s health in cold weather. When cold weather comes, doors and windows should be closed, heating equipment should be used, and low temperature exposure should be reduced. In addition, it should alsoPay attention to the reasonable window ventilation in the living room to avoid hypoxia or carbon monoxide poisoning.

In terms of diet, we should strengthen nutrition, eat more hot food, eat less cold food and replenish more water.

There are differences in protection between north and south areas.

In winter in the north, there is central heating, which is dry indoors, and the temperature difference between indoor and outdoor is large, so it is easy to induce diseases when one is cold and the other is hot. Health protection under the cold wave in the north,Attention should be paid to indoor humidification and ventilation,Go out less and take measures to prevent cold and keep warm.

Because there is no central heating in the south, it is cold indoors in winter, especially in rainy weather, and wet cold is also an important factor to induce diseases such as colds. The health protection under the cold wave in the south should not only go out less, but also take measures to prevent cold and keep warm, and pay more attention to taking some safe indoor warming and keeping warm measures to improve the indoor temperature.

Sensitive people need to pay attention

The temperature plummeted in winter.It has the greatest and most obvious impact on the elderly, pregnant women, infants, patients with chronic diseases such as cardiovascular and cerebrovascular diseases and respiratory diseases, and people who work outdoors for a long time.Compared with the general population, the above-mentioned population is sensitive to the cold wave, so attention should be paid to adding clothes in time to minimize going out.

With the increase of age, the temperature regulation system of elderly patients with chronic diseases is difficult to adapt to the change of external temperature, so they are also sensitive to cold wave.

Sensitive people should pay more attention to health protection against cold weather;While adding cotton-padded clothes and trousers to keep warm, pay special attention to the warmth of the head, chest, back, neck and limbs; Minimize going out; Keep warm when you have to go out.

In addition, in cold weather, patients with chronic diseases shouldPay attention to rest and don’t be overtired.Moderately increase physical exercise, enhance resistance, pay attention to weather forecast and cold wave news or alarm changes issued by relevant departments, so as to take necessary protective measures in time.

(Synthesized from the weather in Hebei, the dynamics of disease control in China, etc.)