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Recently, the China Small and Medium-sized Cities Development Index Research Group and Guoxin Small and Medium-sized Cities Index Research Institute released the research results of the high-quality development index of small and medium-sized cities in China in 2023, and released a series of lists of the top 100 counties and cities with comprehensive strength, top 100 districts with comprehensive strength, top 100 counties and cities with green development, top 100 counties and cities with investment potential, top 100 districts with investment potential, top 100 counties and cities with scientific and technological innovation and top 100 counties and cities with new urbanization quality.

(1)

The comprehensive strength index system is based on the requirements of practicing new development concepts and high-quality development, and combined with the development characteristics of small and medium-sized cities in the new period, it is evaluated from five aspects: economic development, innovation drive, ecological environment, people’s livelihood and well-being, and urban and rural governance, and consists of 15 secondary indicators.

Top 100 counties and cities with comprehensive strength in China in 2023

Top 100 National Comprehensive Strength Zones in 2023

(2)

Green is the background of high-quality development, a necessary condition for sustainable development and an important embodiment of people’s pursuit of a better life. The green development index of small and medium-sized cities has four first-class indicators and 19 second-class indicators, including resource conservation, green consumption, pollution control and environmental quality.

National Top 100 Green Development Counties and Cities in 2023

Top 100 National Green Development Zones in 2023

(3)

Urban investment potential is a kind of compound potential, which is a comprehensive embodiment of urban infrastructure, economic vitality, social environment and market environment. Therefore, the study of investment potential index of small and medium-sized cities consists of five first-level indicators, including population and human resources, infrastructure, traffic location, ecological environment and administrative efficiency, involving 20 second-level indicators.

Top 100 counties and cities with national investment potential in 2023

Top 100 National Investment Potentials in 2023

(4)

Scientific and technological innovation is an important driving force, an important supporting force, an important leading force and an important bearing capacity for urban development, an important guarantee for sustainable and healthy economic development, and a source of power for technological and industrial upgrading and resource conservation. Based on the innovation resources and development foundation, the research group evaluated the scientific and technological innovation ability of small and medium-sized cities from four aspects: scientific and technological innovation platform, scientific and technological innovation potential, scientific and technological innovation investment and scientific and technological innovation effect.

Top 100 counties and cities of national scientific and technological innovation in 2023

Top 100 National Science and Technology Innovation Zones in 2023

(5)

The new urbanization quality index of small and medium-sized cities is evaluated from four aspects: urban development, public service, urban renewal and environmental quality.

Top 100 counties and cities with new urbanization quality in China in 2023

National Top 100 New Urbanization Quality Areas in 2023

It is reported that the evaluation objects of this study are defined as: county-level cities, counties and municipal districts with relatively independent space, as well as towns with good development foundation and "building cities" conditions. Top 100 counties and cities: county-level cities, counties, autonomous counties and banners. Top 100 Districts: Municipal districts with towns and villages and relatively independent development (excluding the municipal districts of Beijing, Shanghai, Tianjin and Chongqing).

Original title: "Huiyang District was awarded the National Top 100 Comprehensive Strength Zone! 2023 National Top 100 Counties and Cities Series List Release "

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Original kidney online doctor group kidney online

Old friends who are familiar with us all know that every autumn, Kidney Online will advise kidney friends with stable conditions and poor resistance to get a flu vaccine!

Many people told us that it was because they listened to our advice that they were able to escape when colleagues and friends around them were lying down with the flu!

Influenza is more serious than the common cold, and its typical symptoms are fever, extreme fatigue, headache, body aches, cough and sore throat. → Regarding the flu vaccine, you may have many doubts, and we will answer them together.

1. Kidney disease, can you really get the flu vaccine?

Can! Many evidence-based medical guidelines suggest that patients with chronic kidney disease with stable condition should be given priority in influenza vaccination.

2. Can uremia and dialysis nephropathy patients play?

Can!

3. Can pregnant women fight?

Can!

4. What is the taboo of influenza vaccine?

The main taboo is: allergic to vaccine ingredients, resulting in adverse reactions. These people can’t be vaccinated.

And if your kidney disease is still unstable, or you are in an acute situation such as fever and cough, suspend vaccination.

5. Which vaccine is better, domestic or imported?

Use whatever you have.

6. When will you call? How long does it take to take effect?

The flu vaccine is a dozen a year, and it is best to complete the vaccination at the end of October. Inoculation is also possible now.

After 2-4 weeks of inoculation, protective antibodies began to be produced, and the protective effect lasted for about 1 year.

7. There are three prices and four prices. Which one do you want?

There are four prices, and four prices are preferred.

8. The flu vaccine we have here is said to be only cracked, so can we get it?

Sure.

"Lysis" is a method of vaccine production, which means that the lipid membrane structure of the virus is cracked and the virus "dies" more thoroughly.

9. Can you get the flu vaccine with nasal spray and kidney disease?

As we mentioned above, all patients with kidney disease can get influenza vaccine by injection, and the injection method is inactivated influenza vaccine, that is to say, the vaccine is "dead" and inactive.

If you still have a live attenuated influenza vaccine for 3-17 years old, you must pay attention to the fact that this kind of nasal spray is a live vaccine, and you must evaluate your immune status. It is not suitable for kidney friends who eat hormones, immunosuppression, kidney transplantation and other immunocompromised people.

10. Will influenza vaccination aggravate kidney disease?

Vaccination against influenza is the most effective means to prevent influenza and avoid its serious complications.

Every year, more than 60,000 people die of influenza-related respiratory diseases in China, most of whom are elderly people and people with basic chronic diseases. Therefore, our kidney friends are actually the key protection targets of the vaccine.

After vaccination, some people may have short-term slight fever, fatigue and runny nose, and generally the symptoms can disappear naturally in two or three days.

Others may see that nephropathy is usually an autoimmune disease, and vaccination will induce immune response, which will lead to immune activity and aggravate nephropathy.

However, based on the evidence of vaccination against autoimmune diseases such as lupus, rheumatoid arthritis and Sjogren’s syndrome, it is not found that influenza vaccine will significantly increase the activity of autoimmune diseases.

Presumably, this article has answered many doubts and concerns of kidney friends about influenza vaccination, and you are welcome to pass it on to your friends around you ~

References:

Immunizations in autoimmune inflammatory rheumatic disease in adults.uptodate

Immunizations in patients with end-stage kidney diseas.uptodate

Immunizations in solid organ transplant candidates and recipients.uptodate

Overview of the management of chronic kidney disease in adults.uptodate

Application status of influenza vaccine in China and discussion on policies to promote vaccination. Chinese Journal of Epidemiology.

Original title: "Influenza vaccine, how long will it take effect? Can kidney friends play? All the top 10 questions are answered.

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　　CCTV News:On June 16th, the 12th patrol of the 18th Central Committee announced the feedback on the special patrol of the party committees of 14 middle management universities, including Peking University, Tsinghua University, Beijing Normal University, Dalian University of Technology, Jilin University, Harbin Institute of Technology, Tongji University, Zhejiang University, Shandong University, Chongqing University, Sichuan University, Xi ‘an Jiaotong University, Northwest A&F University and Northwestern Polytechnical University.

　　Peking University: The problem of selecting and employing people is outstanding, and the management of school-run enterprises is chaotic.

　　The leading role of the Party Committee is not fully exerted, the "Four Consciousnesses" are not strong enough, the implementation of the Party’s educational policy and major decision-making arrangements is not thorough, and the requirements for building a world-class university rooted in China are not in place. The implementation of the responsibility system for ideological work is not in place. It is not conscious enough to implement the principal responsibility system under the leadership of the party Committee. Party building is weak, and the role of political guarantee has not been fully exerted. Political life within the party is not serious, and grass-roots party building work is weak. The problem of selecting and employing people is outstanding, the procedural rules are lax, the system implementation is weak, and the organization establishment management is chaotic.

　　The implementation of "two responsibility" is not in place, and the management of the school is loose and soft. The party Committee is not responsible enough, and the discipline inspection commission is not accountable for supervision and discipline.

　　The management of school-run enterprises is chaotic, the management of affiliated hospitals is weak, and the risk of integrity is prominent.

　　The spirit of implementing the eight central regulations is weak. At the same time, the inspection team also received clues reflecting the problems of some leading cadres, which have been transferred to the Central Commission for Discipline Inspection, the Central Organization Department and other relevant parties for handling according to relevant regulations.

　　Tsinghua University: Some units use university resources to seek improper benefits.

　　The "four consciousnesses" are not strong enough, the leading role of the Party committee is not brought into full play, and the implementation of the Party’s educational policy is not in place in some aspects, which is not strong enough to do a good job in ideological and political work in colleges and universities under the new situation, and the construction of ideological and political work team is weakened.

　　Party building is not strict enough, political life within the party is not strict enough, and the construction of grass-roots party organizations is weak.

　　The implementation and selection procedures are not standardized enough, and the management and supervision of cadres are not strict.

　　There is a gap in the implementation of the "two responsibility", and it is not enough to deal with some violations of discipline and discipline. The implementation of the "three changes" by the discipline inspection institutions is not in place enough, and the function of accountability for supervision and discipline is not sufficient.

　　Some units use university resources to seek improper benefits, and some cadres or staff abuse power for personal gain. The mental problems of violating the eight central regulations are still reflected.There are problems such as public money travel and private use of buses.

　　At the same time, the inspection team also received clues reflecting the problems of some leading cadres, which have been transferred to the Central Commission for Discipline Inspection, the Central Organization Department and other relevant parties for handling according to relevant regulations.

　　Beijing Normal University: Integrity risks in school-run enterprises and cooperative schools are prominent.

　　The "four consciousnesses" are not strong enough, and the role of party committees is not enough. The spirit of implementing the important speech of the Supreme Leader General Secretary on education needs to be strengthened. The leading role of teachers is weakened, and the construction of teachers’ morality needs to be strengthened; The principal responsibility system under the leadership of the party Committee is weak; The responsibility system for ideological work is not implemented in place, and political acumen needs to be strengthened.

　　The political life within the party is not serious enough, and the party building work is weak.

　　The implementation of the selection and employment system is not strict, the selection procedure is not standardized, and the introduction of talents is not enough.

　　The implementation of the "two responsibility" is not in place, and the handling of disciplinary issues is loose and soft.

　　There are mental problems such as eating and drinking public funds that violate the eight central regulations;Financial and asset management is not strict.The risks of honesty in school-run enterprises and cooperative education are outstanding.

　　At the same time, the inspection team also received clues reflecting the problems of some leading cadres, which have been transferred to the Central Commission for Discipline Inspection, the Central Organization Department and other relevant parties for handling according to relevant regulations.

　　Dalian University of Technology: The part-time management of leaders is not strict

　　The "four consciousnesses" are not strong enough, the party’s leadership is weakened, the role of the party Committee is not enough, and the implementation of the ideological work responsibility system is not in place; The implementation of the principal responsibility system under the leadership of the party Committee needs to be strengthened.

　　The political life within the party is not serious enough, and the party building work is weak.

　　The selection and employment work is not standardized, and the part-time management of leaders is not strict.

　　The main responsibility is lacking, and the handling of disciplinary problems is loose and soft.

　　There are mental problems that violate the eight central regulations, such as eating and drinking with public funds and going abroad (in violation of regulations);Infrastructure projects and school-run enterprises are at great risk of integrity, and supervision and management are not in place.

　　At the same time, the inspection team also received clues reflecting the problems of some leading cadres, which have been transferred to the Central Commission for Discipline Inspection, the Central Organization Department and other relevant parties for handling according to relevant regulations.

　　Jilin University: There is a "nepotism" relationship, and the falsification of cadre files is prominent.

　　The "four consciousnesses" are not strong enough, the leading role of the Party committee is not brought into full play, the implementation of the principal responsibility system under the leadership of the Party committee needs to be strengthened, the implementation of the ideological work responsibility system is not strong enough, and the political acumen needs to be strengthened.

　　The political life within the party is not serious enough, the party building work is weak, and the role of the staff branch is weakened.

　　The implementation of the selection and employment system is not strict, the selection and appointment procedures are not standardized, the daily supervision of cadres is not in place, the entry control is not strict, there is a "nepotism" relationship, and fraud problems such as cadre files are prominent.

　　The implementation of "two responsibility" is not in place, and the integrity risk management and control needs to be strengthened; There are mental problems such as eating and drinking at public funds and traveling at public funds that violate the eight central regulations;The management of capital assets, scientific research funds, school-run enterprises and other fields is lax, and there are many risks of integrity.

　　At the same time, the inspection team also received clues reflecting the problems of some leading cadres, which have been transferred to the Central Commission for Discipline Inspection, the Central Organization Department and other relevant parties for handling according to relevant regulations.

　　Harbin Institute of Technology: The spirit of implementing the eight central regulations is not strict, and the "four winds" problem still exists

　　The "four consciousnesses" are not strong enough, the leading core role of the Party committee is not fully played, there is a gap in implementing the major arrangements of the central government in combination with the actual situation, ideological and political work is weak, and the responsibility system for ideological work is not in place.

　　The political life within the Party is lax and untrue, the systems of implementing central group study, dual organizational life and "three meetings and one lesson" are not in place, there are weak links in grass-roots party building, and the fighting bastion of the Party branch and the vanguard and exemplary role of party member are not brought into full play.

　　The implementation of the selection and employment system is not strict enough.

　　The implementation of the "two responsibility" is not in place, the management of the party is loose and soft, the spirit of implementing the eight central regulations is not strict, and the "four winds" problem still exists.There are integrity risks in school-run enterprises, asset management, material procurement, research funds and other fields.

　　At the same time, the inspection team also received clues reflecting the problems of some leading cadres, which have been transferred to the Central Commission for Discipline Inspection, the Central Organization Department and other relevant parties for handling according to relevant regulations.

　　Tongji University: There is a certain deviation in the "baton" orientation of running a school, and the implementation of the ideological work responsibility system is not strong enough.

　　The "four consciousnesses" are not strong enough, the principal responsibility system under the leadership of the Party Committee is not in place, the leading role of the Party Committee is diminishing layer by layer, moral education needs to be strengthened, the education of teachers’ morality and style and the education guidance for students are not deep enough, there is a certain deviation in the "baton" orientation of running a school, and the implementation of the responsibility system for ideological work is not strong enough;

　　The construction of grass-roots party organizations is weak, and the procedures for selecting and employing people are sometimes irregular and not strict enough.Some leading cadres do not truthfully report personal matters, take part-time jobs in violation of regulations and run enterprises through business;

　　The implementation of the main responsibility is not real enough, and the supervision and discipline are lax and soft, which violates the spirit of the eight central regulations and the "four winds". The risks of honesty in school-run enterprises, infrastructure, asset management, research funds and other fields are high.

　　At the same time, the inspection team also received clues reflecting the problems of some leading cadres, which have been transferred to the Central Commission for Discipline Inspection, the Central Organization Department and other relevant parties for handling according to relevant regulations.

　　Zhejiang University: There is a high risk of honesty in school-run enterprises, infrastructure, material procurement, scientific research funds and other fields.

　　The "four consciousnesses" are not strong enough, the principal responsibility system under the leadership of the Party Committee is not in place, the leading role of the Party Committee is diminishing layer by layer, moral education needs to be strengthened, the education of teachers’ morality and style is not deep enough, the effectiveness of students’ ideological education is not strong enough, there is a certain deviation in the "baton" orientation of running a school, and the implementation of the responsibility system for ideological work is not strong enough.

　　The construction of grass-roots party organizations is weak, the procedures for selecting and employing people are sometimes irregular, the handling of false reports on personal matters is light, and there are some problems in the selection and appointment of cadres.

　　The main responsibility is not pressed enough, the supervision and discipline are loose and soft, and there are many problems in violation of the spirit of the eight central regulations and the "four winds". The risks of integrity in school-run enterprises, infrastructure, material procurement, scientific research funds and other fields are high.

　　At the same time, the inspection team also received clues reflecting the problems of some leading cadres, which have been transferred to the Central Commission for Discipline Inspection, the Central Organization Department and other relevant parties for handling according to relevant regulations.

　　Shandong University: Students-oriented and service-oriented awareness is not in place.

　　The "four consciousnesses" are not strong enough, and the leading role of party committees is not brought into full play. There are superficial, formal and formality problems in studying and implementing the central decision-making arrangements in some aspects; There are some deviations in the development concept and school-running policy, which tend to focus on extension and expansion, and the connotation is not improved enough.

　　The awareness of student-oriented and serving students is not in place.

　　The problem of weakening the party’s construction is more prominent, and the system of party Committee theoretical study center group learning, double organization life meeting and "three meetings and one lesson" is not implemented effectively.

　　The personnel management of cadres is not standardized.

　　The implementation of the "two responsibility" is not strong enough, and it is not enough to move the truth. The implementation of the "three turns" by the Commission for Discipline Inspection is lagging behind, and the discipline review work is weak.

　　There are integrity risks in the use of scientific research funds, school-owned enterprises, affiliated hospitals, engineering construction and other fields.

　　At the same time, the inspection team also received clues reflecting the problems of some leading cadres, which have been transferred to the Central Commission for Discipline Inspection, the Central Organization Department and other relevant parties for handling according to relevant regulations.

　　 Chongqing University: There are problems in infrastructure projects, school-run enterprises, scientific research funds and the purchase and sale of teaching materials.

　　The "four consciousnesses" are not strong enough, the spirit of studying and understanding the series of important speeches by the Supreme Leader General Secretary is not in place, the strategic decision of "double first-class" with China characteristics is not timely enough, there is a gap in implementing the principal responsibility system under the leadership of the Party Committee, and the responsibility system for ideological work is not strong enough.

　　Party building is weak, political life within the party is not serious enough, and the role of grass-roots party organizations as fighting bastions is not fully exerted.

　　There is a lack of overall planning in selecting and employing people, and the personnel system for implementing cadres is not strict enough.

　　Managing the party is too lenient, the "two responsibility" is not really pressed, and the accountability of discipline is too light and soft.

　　The spirit of implementing the eight central regulations is not in place, and the "four winds" problem still exists. The prevention and control of integrity risks is weak, and there are problems in infrastructure projects, school-run enterprises, scientific research funds, and the purchase and sale of teaching materials.

　　At the same time, the inspection team also received clues reflecting the problems of some leading cadres, which have been transferred to the Central Commission for Discipline Inspection, the Central Organization Department and other relevant parties for handling according to relevant regulations.

　　Sichuan University: The phenomenon of violating discipline against the wind still exists.

　　The "four consciousnesses" are not strong enough, there is a gap in implementing the party’s educational policy, and the spirit of studying and implementing the series of important speeches by the Supreme Leader General Secretary is not deep enough. The responsibility of ideological work is not compacted enough, and there is a blind spot in position supervision. The principal responsibility system under the leadership of the executive party Committee is not in place enough, and the overall function of the team is not fully played.

　　Political life within the party is not serious enough, and grass-roots party organizations are not sound enough.

　　The overall planning of cadre team construction is not enough, and the implementation of cadre personnel system is not strict enough.

　　The "two responsibility" is not really pressed, and the supervision and management are loose and soft.

　　The spirit of implementing the eight central regulations is not in place, and the phenomenon of violating discipline against the wind still exists.There are many corruption problems in infrastructure, and there are integrity risks in affiliated hospitals, school-run enterprises, scientific research fund management and enrollment.

　　At the same time, the inspection team also received clues reflecting the problems of some leading cadres, which have been transferred to the Central Commission for Discipline Inspection, the Central Organization Department and other relevant parties for handling according to relevant regulations.

　　Xi ‘an Jiaotong University: The implementation of the ideological work responsibility system is weak, and the position consciousness is not strong enough.

　　The "four consciousnesses" are not strong enough, and the core role of party Committee leadership is not fully exerted. The implementation of the party’s educational policy is not comprehensive enough. Dealing with the relationship between teaching and educating people, scientific research and teaching, scale expansion and connotation development is not good enough. The implementation of the responsibility system for ideological work is weak and the sense of position is not strong enough. The implementation of the principal responsibility system under the leadership of the party Committee is not in place, and the party Committee is not strong enough to grasp major events.

　　There are weak links in party building, political life within the party is not strict, and the quality of democratic life is not high. The construction of grass-roots party organizations is weak, and the implementation of the "three sessions and one lesson" system is not strict.

　　The implementation of the selection and employment system is not standardized enough. The Party Committee’s "two responsibility" is not implemented in place, the Party Committee’s awareness of fulfilling the main responsibility is not strong, the Disciplinary Committee’s "three turns" is not in place, and the supervision and discipline are loose and soft.

　　There are spiritual problems that violate the eight central regulations, and the risks of scientific research funds and school-run enterprises are high.

　　At the same time, the inspection team also received clues reflecting the problems of some leading cadres, which have been transferred to the Central Commission for Discipline Inspection, the Central Organization Department and other relevant parties for handling according to relevant regulations.

　　Northwest A&F University: The problem of selecting and employing people is more prominent, and the implementation system is not strict

　　The "four consciousnesses" are not strong enough, and the core role of party Committee leadership is not fully exerted. The implementation of the party’s educational policy is not in-depth, the awareness of moral education is not strong enough, and the agricultural characteristics are weakened. The responsibility system for ideological work is not implemented effectively, and the accountability mechanism is not perfect. The implementation of the principal responsibility system under the leadership of the party Committee is not in place.

　　There are weak links in party building. The political life within the party is not strict, and the guidance for the construction of grassroots party organizations is weak. The problem of selecting and employing people is more prominent, and the implementation system is lax.

　　The requirements for strictly administering the party in an all-round way are not in place. The party Committee’s awareness of the main responsibility is not strong, the discipline inspection commission’s supervision responsibility is not enough, and the "three turns" are not in place.

　　The spirit of implementing the eight central regulations is not strict.The risk of honesty in school-run enterprises, infrastructure and financial management is high.

　　At the same time, the inspection team also received clues reflecting the problems of some leading cadres, which have been transferred to the Central Commission for Discipline Inspection, the Central Organization Department and other relevant parties for handling according to relevant regulations.

　　Northwestern Polytechnical University: There is a tendency to emphasize business over politics in implementing the school-running concept.

　　The "four consciousnesses" are not strong enough, and the core role of party Committee leadership is not fully exerted. Ideological and political education is weak, and the implementation of the party’s educational policy is not comprehensive; Lide Shuren’s consciousness is not enough, and there is a tendency to pay more attention to business than politics in implementing the concept of running a school; The implementation of the responsibility system for ideological work is weak, and the sense of position is not strong enough; The principal responsibility system under the leadership of the party Committee is not implemented in place, and democratic and scientific decision-making is not enough.

　　There are weak links in party building. Political life within the party is not strict enough; The construction of grass-roots party organizations is weak, and the implementation of the "three sessions and one lesson" system is not enough; The selection and employment system is lagging behind and the implementation system is not strict.

　　The requirements for strictly administering the party in an all-round way are not in place. The party Committee has a weak sense of fulfilling its main responsibility, the discipline inspection commission has not fulfilled its supervisory responsibility enough, and the "three changes" are not in place.

　　There are spiritual problems in violation of the eight central regulations, lack of supervision of school-run enterprises, and many problems in scientific research funds and infrastructure project management.

　　At the same time, the inspection team also received clues reflecting the problems of some leading cadres, which have been transferred to the Central Commission for Discipline Inspection, the Central Organization Department and other relevant parties for handling according to relevant regulations.

　　Source: People’s Daily

In Ningbo, Zhejiang Province, a delivery man galloped on the way to deliver food. Oriental IC data

Wang Fanglin stared at the computer, and his eyes were less than 15 cm away from the screen.

From the time the customer places an order to the time the merchant takes an order to start catering, a new takeaway order is generated as an order to be assigned, and "wave after wave, wave after wave" floods into the computer screen.

Wang Fanglin is the captain of the Anyi Road detachment of a take-away platform in Shanghai. He assigns the order to the rider. After receiving the order, the rider will fly within a radius of 3 kilometers around the merchant, or take the meal or deliver the meal.

Between the risk of running a red light and the fines and complaints caused by overtime, riders are more worried about the latter.

On March 13th, it began to rain in Shanghai. When crossing the intersection with a green light, Zhang Ming was hit by a rider from another platform. For the rider, this kind of accident has become a habit, especially on such a rainy day.

From 11: 00 a.m. to 12: 00 a.m., the order volume surged to 264 orders, and at least 4 takeaways entered the list to be assigned every minute on average. The Anyi Road detachment began to enter a tense "explosive order" state.

In Ningbo, Zhejiang, in fast food restaurants, take-away orders keep coming out. Oriental IC data

"Did you fly there?"

"You have a new order, please deal with it in time."

When the assigned order arrives, the background will issue such a notice. Wang Fanglin turned off the speaker before the arrival of the noon peak, "it will explode when it is opened."

Wang Fanglin is the captain and dispatcher, and his team is responsible for delivering the take-away orders of some merchants within 20 blocks of hang lung plaza and Jing ‘an Museum.

Wang Fanglin stretched out during the gap. "I’m a little tired and don’t want to do it," he turned his head and told reporters. Then, a new order popped up and he continued to stare back at the screen.

The screen shows the real-time positions of 45 riders, and he needs to consider multiple factors to send orders: what is the impact of weather conditions on food delivery, will the merchants with slow food delivery slow down the orders of other merchants, and whether to assign several orders in the same direction to the same rider …

Wang Fanglin started smoking obsessively, and the stainless steel ashtray on the table was soon filled with cigarette butts.

"Consider the rider," he added. In the daily food delivery war, the rider’s work experience, familiarity with the route, ability to adapt to the road conditions, and even working attitude to deal with orders are the key factors of the war.

The 45 riders of Anyi Road detachment are divided into early, middle and late shifts, and there is also a "combat readiness group" set up to deal with more difficult and on the verge of overtime orders.

For the rider, the order is difficult.

Many orders from the same merchant sent to the same direction, the delivery distance is not long, and the delivery location is simple and easy to find. Such orders are the "toon" that riders are rushing to send; However, difficult orders, such as two orders from the same merchant, one for the east and one for the west, the complicated delivery route and the imminent overtime order, are "hot potatoes" for riders.

During the afternoon rush hour, Wang Fanglin was most annoyed to receive a call from the rider under unexpected circumstances. "Pick the bill, you don’t want to send it far away, you have everything."

The more difficult the order is, the more difficult it is for riders who don’t pick the order. Song Jun, who is divided into the "combat readiness group", is such a rare rider.

"If others can’t deliver it, pass it on to us. The dispatcher believes that you can finish it, and you don’t want to disappoint the dispatcher," said Song Jun, who has been a rider for one year.

He remembers that once in the afternoon rush hour, the captain "jammed" him with an order sent from Beijing West Road to Jiangning Road. It was two kilometers away and he had to cross eight traffic lights. The delivery time was only 10 minutes.

"When I delivered the meal to the guests, there were still 4 minutes left. Wang Fanglin said if you flew over. The guests said that I just looked at your trajectory and thought that you must overtime, but you didn’t!" He vividly described the customer’s surprise at that time.

He has been deeply impressed by the delivery, and luck without overtime accounts for a large part. "I didn’t wait for any traffic lights, it was a green light, so I went straight there."

In Taikooli, Sanlitun, Beijing, an anxious takeaway brother ran to deliver food. Caixin reporter Ma Minhui/vision china map

"I’m really fighting with my life."

The rider’s meal delivery time includes the meal delivery time after the merchant takes the order. At the noon meal peak, the merchant has to take delivery and eat in the hall at the same time, which sometimes leaves the rider with harsh delivery time.

"Normally it’s 20 minutes, and some have a few minutes left." During the rush hour, Song Jun will frown and wait for us. "Merchants can’t eat, guests are rushing to eat, mobile phones open the APP, and time is also urging us."

Special food delivery software is installed on the rider’s mobile phone, which shows the customer address and delivery time of the order, and is used to receive, pick up and deliver the order. From time to time, the mobile phone sends out female voice reminders of "You have a new order" and "Your order is about to expire".

The sound is sharp and pleasant to the rider.

"If you want to make money by delivering take-out, you can deliver the orders that others don’t want to deliver. If you deliver them when others don’t want to deliver them, you will definitely make money." At Anyi Road Detachment in Jing ‘an District, the rider’s salary is calculated according to the single amount, and each order is 7 yuan.

Wang Fanglin thinks that this way of making money is fair to riders.

However, every time the rider exceeds the time limit, half of the single delivery fee will be deducted. If this leads to customer complaints and bad reviews, 20 yuan will be fined, which is close to 3 times of the delivery fee per order.

When the timeout is inevitable, the rider will confirm the delivery in advance after communicating with the customer. It’s against company regulations, but it’s the last resort to save the bill.

However, this method does not always work, and Wang Fanglin has encountered it. "I gave her the meal and said I hoped you wouldn’t complain. She said yes, I wouldn’t complain about you. After 5 pm, the complaint result came out." He was fined 1000 yuan for being complained that he had confirmed the delivery in advance, which was almost equivalent to giving it away for three days.

"I was very angry at that time, and she still told me with a smile." At that time, Wang Fanglin didn’t take long to be a rider. He lost his mobile phone and had his car stolen when delivering food. Coupled with this fine incident, he once had doubts about this business.

"You can’t complain to us over time. If you complain, there is not enough time, and the red light will definitely run, which will have a great impact on our delivery." Chu Jiaomin, a Cantonese who has delivered food for more than two years, hopes that the rider can negotiate the arrival time with the customer and consider the actual situation in the delivery process to the greatest extent.

"Sometimes the red light doesn’t matter. As long as there is no car, we basically go there," Song Jun said.

Between the risk of running a red light and the fines and complaints caused by overtime, riders are more worried about the latter. In order to seize the time, run a red light and go retrograde in violation of traffic regulations, the probability of traffic accidents naturally increases.

"Some time ago, a takeaway buddy on Xinzha Road was hit by a car and died the day before yesterday," Song Jun said with wide eyes.

Before delivery, he worked as the deputy director of the workshop in a chemical plant in Huai ‘an, his hometown. Because of a chlorine gas leakage accident, he was hospitalized for a week, and then he decided to change careers. After changing careers, he realized that the risk factor of walking on the road was not lower than that in the chemical plant. "It’s really a fight with life."

On August 23, 2017, in Guangzhou, typhoon "Tiange" brought rain, and a takeaway was riding in the rain. Vision china diagram

"Don’t worry about sending it slowly."

In the afternoon, it rained harder and it was more difficult for riders to deliver food.

When crossing the green light at the intersection of Chengdu North Road and Weihai Road, Zhang Ming met other platform riders who ran the red light. "I looked like I was going to hit it, so I had to brake."

Even people and cars slipped out a few meters away, and Zhang Ming’s knees and palms were injured. The perpetrator handed a cigarette to apologize, and Zhang Ming didn’t have any trouble for the rider who was also in a hurry to deliver food.

He can understand his peers and those who don’t seem to understand him: the security guards who don’t allow him to enter the mall in rainy days, the passers-by who accuse him of riding on the sidewalk, and the traffic police who ask him to push the cart on special sections. "They also act according to the law."

Some office buildings do not allow food delivery staff to take the passenger elevator, but only take the slower freight elevator with more floors to stay; Some office buildings don’t even allow food delivery staff to take all elevators, so riders can only climb stairs.

Wang Xu, a novice, once climbed two high floors in a row. "On a Friday rush hour, I climbed a 37th floor and a 23rd floor. After coming down, people were floating and my legs were unstable."

Although 20-year-old Zhang Ming is a novice, he is more open-minded than many old riders. Compared with his previous work in a factory, he feels that being a rider is not tiring, and he also likes the freedom of riding on the road, even if he sometimes encounters some grievances.

A meal was delivered, and the customer didn’t indicate the location. He called the customer three times before delivering it, and then received a complaint: "Too stupid, I can’t even find a way."

Sometimes grievances come from passers-by. Song Jun once took the elevator to deliver food. An old lady took the wrong elevator which only led to the high-rise area above the 16th floor. After coming in, she kept pressing the 15th floor. The takeaway brother next to her said that she would sit next door. She ignored her and the elevator "cut" and suddenly closed.

"The takeaway brother was a little impatient:’ I told you it was next door’, and the aunt gave him a white look, and the 16th floor went up, 17, 18, 19, 20, 21, 22 …", "I sweated, pressed every floor, pressed every floor, and I was really going to collapse!"

Song Jun, who still has eight orders in his hand, and the little brother looked at each other and sighed. "What a sigh, believe it or not, I pressed it for you." We dare not speak. "

Song Jun wants to work hard in Shanghai after graduating from computer school, but his father doesn’t support it. He felt that his father was always giving him a hard time: after graduating from high school, he wanted to be a soldier, but his father opposed it. After marriage, he wanted to sell electric cars, but his father still opposed it.

Until this time, Song Jun made up his mind to come to Shanghai after hearing relatives say that take-out can earn 10,000 yuan a month. Finally, he persuaded his father by sending home 5,000 yuan a month.

When Zhang Ming first earned money for his family, he was not as happy as he thought: he dropped out of school to repair his car before graduating from the second grade. After half a year, his mother didn’t praise him when he excitedly took the earned 900 yuan to his mother, even though it was the first time he earned money.

"Why didn’t you praise me? Is it too little?" He was a little confused, but he didn’t say it. After that, I entered the factory, worked as a decorator, and delivered takeout food. Every time I changed my profession, I only made more money.

When he was in the factory, he saved more than 20,000 yuan to take home for the New Year. When his mother chatted with his neighbors, he talked about the money that each other’s children gave home this year. His son’s income attracted everyone’s envy, but Zhang Ming was not so happy. "I told my mother that next time others asked, don’t say so much. I don’t like it."

Sometimes, Zhang Ming will feel "the warmth of home" from his customers. He still remembers that a boy wrote in the note of the order: "It’s raining today, so be careful, the road is too slippery, don’t worry about sending it slowly, and pay attention to safety."

"In fact, this kind of greeting is rare, and it can’t be said that everyone has it, really rare." After saying this, Zhang Ming fell silent.

"The customer is not hungry, we are hungry."　

For Song Jun, this job has brought him some "small fortunes".

He found that he can not only save money, but also become more cheerful and talkative. "Sometimes I run more orders and earn money, so I take my wife to eat mala Tang. She especially likes to eat mala Tang, and she is very satisfied every time."

Because he came to Shanghai with his wife, his clothes were cleaner than those of others in the team. Before coming to Shanghai, Song Jun didn’t want her to come, but his wife only asked, "Can you wash clothes?"

Talking about the future, he wants to save enough money and go back to his hometown to open a tea shop. He can’t wait to reunite with his two daughters.

Wang Fanglin doesn’t want to be like these people who got married early in the team. After telling the reporter about his experience of selling fruits, working as a worker in an electronic component factory and working as a waiter in a water bar over the years, he suddenly felt that "what he had done was a waste of time".

Before becoming a captain, he, like most riders, likes to watch the live broadcast on the fast hand, play the glory of the king in groups, and invite other younger brothers to drink and sing after work. Now, considering the work of dozens of people under his command, he dare not and have no time to play.

"I have exercised a lot more than before, and I have gained and lost." Wang Fanglin felt more responsibility and began to want to make some plans for the future.

Wang Xiangkun will come to Shanghai for one year tomorrow morning. He is Zhang Ming’s brother-in-law. His son is three years old and bought a Buick car in his hometown. His goal now is to buy a school district for his son. He doesn’t want his son to be a rider when he grows up.

Zhang Ming envies his brother-in-law’s car. He is saving money. In the countryside, he is old enough to get married. He needs money to marry, have children and build a new house.

Most of the members of Anyi Road detachment are like this, giving up a fairly comfortable life in their hometown in order to go back better.

When Zhang Ming sent a takeaway on the sixth floor, he climbed to the second floor "really exhausted". He remembered that he had forgotten to eat, and dragged his voice in the WeChat group of the detachment and shouted: "I am starving, and I have no energy at all."

This job is often like this, giving meals to customers, "customers are not hungry, we are hungry", Zhang Ming said.

The afternoon peak starts at 10 am and lasts until 4 pm. During this period, 45 riders delivered 938 orders.

Song Jun also reported for dinner in the group, which is the procedure for riders of Anyi Road detachment before eating-Wang Fanglin will stop sending orders to them in the background after receiving the report.

As the volume slowly declined, Wang Fanglin got up slowly and left the computer desk with a slightly narrow space. "I feel dizzy and a little nauseous," he described the feeling when I left my seat.

At this time, he finally had time to open the already cool takeaway box lunch.

(Some characters in the text are pseudonyms)

CCTV News:The Chinese New Year is coming, and the topic of "thirteen salaries" is getting hotter and hotter. What exactly is "thirteen salaries"? What’s the difference with the "year-end award"? Can everyone get it? What else should we pay attention to about the money bag?　

Is "Thirteen Salaries" and Year-end Awards the same thing?

"Thirteen salaries" means the thirteenth monthly salary, also known as "double salary at the end of the year", which means that the unit pays one more month’s salary to the individual according to the prescribed procedures.

In the 1980s, foreign-funded enterprises had more autonomy in the distribution of wages, and the policy allowed these enterprises to pay one month’s salary at the end of the year instead of paying various kinds of meals and transportation subsidies to state-owned enterprises. In this sense, thirteen salaries more reflect the comprehensive distribution of various subsidies.

Now, with the national reform of enterprise wage distribution, some domestic-funded enterprises have also borrowed the method of thirteen salaries. In this sense, the thirteen salaries of many enterprises have a certain year-end reward nature.

The year-end bonus refers to the one-time bonus paid to employees by withholding agents such as administrative organs, enterprises and institutions according to their annual economic benefits and comprehensive assessment of employees’ annual work performance.

The difference between the two is that "thirteen salaries" can better reflect the fairness of incentives; The year-end bonus can better reflect the results of performance appraisal.　

Are there as many "thirteen salaries" as year-end bonuses?

In the absence of specific provisions, there is a slight difference in the calculation base between the two: the year-end award has certain uncertainty in the calculation amount.

For the calculation base of "thirteen salaries", if the employer has clear regulations, it will be implemented in accordance with the regulations; If the employer does not clearly stipulate, the judicial practice tends to use the average wage of workers in the current year as the calculation base; For those who should pay thirteen salaries when the labor contract is terminated in the middle of the year, the judicial practice tends to take the average salary of workers for 12 months before the termination as the calculation base of thirteen salaries.

How to pay "thirteen salaries"?

Like the year-end bonus, the laws and regulations do not make specific provisions on the employer’s payment of "thirteen salaries", which belongs to the category of independent management of enterprises, and the company can consider whether and how to pay according to its own situation.

If there is no explicit stipulation in the enterprise and there is no practice before, the workers cannot force the unit to pay double salary at the end of the year. The standard of the thirteenth month’s salary is basic salary or full salary or bonus, which is completely determined according to the agreement between the enterprise and employees or the provisions of the enterprise’s salary and welfare policy.

Therefore,Different enterprises have different regulations on the payment of "thirteen salaries".Some enterprises stipulate in the Employee Handbook that at the end of the Lunar New Year, the company will give employees one month’s salary as a bonus, and the bonus will be calculated in proportion to the employees who joined the company that year and passed the probation period before December 31. Employees with poor attendance, poor performance or violation of discipline cannot get this bonus.　

Can you send it or not only depends on the boss’s mood?

Some enterprises stipulate that employees must meet many conditions in order to get double pay at the end of the year:

Employees must have served in the company for three months in the current year; You must still work in the company on the day of double pay; Employees who resign or terminate the labor contract through negligence or non-negligence before the double pay date will not be entitled to the annual double pay … …

With so many conditions, does it mean that whether the "thirteen salaries" and the year-end bonus are issued depends on whether the boss is happy or not?As a matter of fact, thirteen salaries and year-end bonus are all components of wages, and employers cannot violate labor laws and regulations in the process of issuing thirteen salaries and year-end bonus.The Labor Contract Law stipulates that the labor remuneration must be clearly defined in the terms of the labor contract. Therefore, if workers want to protect their right to get "thirteen salaries" or year-end bonus at the end of the year, they must make clear the relevant rules and regulations of the unit in advance and be familiar with the labor contract.

If the labor contract or unit rules and regulations stipulate the amount or calculation method of "thirteen salaries" or year-end bonus, and the laborer has paid the labor, the unit should pay it in full according to the regulations.

Can employees who leave early and are new get it that year?

If the year-end bonus is not clearly stipulated in the labor contract or the company’s rules and regulations, according to the principle of equal pay for equal work, the labor dispute arbitration institution or court will generally support the resigned employees to get a certain percentage of the year-end bonus.

Like former employees, if the company’s rules and regulations and labor contracts do not clearly stipulate the year-end bonus, according to the principle of equal pay for equal work, labor dispute arbitration institutions or courts will generally support "new employees" to get a certain percentage of the year-end bonus.

Will the integral be cleared if it is not used?

At the end of the year, it is also the peak period of forwarding information similar to "points need not be cleared". It is understood that several major operators do have the system of clearing points, but it is best to log in to operator official website for details.

Credit card points

It’s not just the phone bill. For some credit card holders, the amount of credit card swiping is tens of thousands of yuan every year, but they have never exchanged points for gifts. Some people think that the points in bank cards are permanently valid, but in fact, the validity period of credit card points in different banks is different, and there are great differences.

More complicated than the deadline is the value of the integral. Points used to be a sword for banks to promote credit cards, but with the increasing popularity of credit cards, points are becoming less and less valuable. Generally speaking, for every dollar spent by swiping a card, a point will be generated. Official website, a credit card center of a bank, shows that gifts can hardly be exchanged under 10,000 points, while 50,000 points can be exchanged for a pillow with tens of dollars, while it takes 3.87 million points to exchange an Apple 6 mobile phone.

Consumption membership card points

In order to attract consumers’ secondary consumption, many shopping malls and supermarkets generally adopt the integral membership card system. However, in order not to lose points in vain, many people seem to be redeeming points, but in fact they are busy spending money at the end of the year, especially women.

Remind consumers not to spend blindly just to use points. In addition, unlike communication operators and bank credit cards, the points of shopping malls and supermarkets are generally one year. As merchants have the final right to interpret points redemption, the ways to inform users are different, reminding consumers to check in time to avoid missing them.

Reminder: There is a trap in the redemption of points at the end of the year!

The mobile phone receives a short message from the bank, and the points are exchanged for cash packages. Click to fill in the relevant information, and the funds in the card will be stolen. Police reminder: When you receive similar messages, you must be more careful, especially to remind you of points redemption and other information. You must be more screened and verified by official telephone and official website.　

Pay attention to redeeming points at the end of the year

① Look for the official Internet websites, mobile phone websites and credit card points of major banks to exchange for official websites, and be wary of logging in by searching for websites or clicking on links provided by others;

② When redeeming points, please pay attention to checking the points information in the SMS verification code for redeeming points. There will be no "virtual deduction" when the bank points are exchanged. If the message is prompted as payment information, please be highly vigilant;

3 Bank staff will not ask cardholders for sensitive information such as dynamic verification codes and passwords of credit cards, and do not disclose them. Any request is fraud;

(4) If you have any questions about the received 95533, 95588, 10086 and other related short messages, it is suggested that you don’t do anything for the time being, and consult the staff of banks, telecommunications and other outlets as soon as possible;　

⑤ It is suggested to install security software (such as Tencent Manager) on mobile phones to screen fraudulent short messages and identify phishing websites, and pay attention to upgrading the software regularly;

⑥ Once you click the link, you find that the mobile phone can’t receive short messages, and the phone or card is stolen. You should immediately reinstall the mobile phone system, restore the factory settings or use anti-virus software to kill viruses. At the same time, it is necessary to freeze all third-party accounts and online banking in mobile phones at the first time, and inform relatives and friends in the address book, delete short messages in time, and do not click on links to avoid expanding risk losses.

⑦ Don’t click on unknown links, pictures and files!

At present, the strong attraction of China movies to outside funds is unstoppable.

　 　 Special feature of 1905 film network　At present, the movie market is the most "not bad money" in China: the box office output has increased by more than 30% for six consecutive years, and the total amount is expected to exceed 30 billion this year, achieving a 200% increase in the number of people watching movies. Under such an industrial background, funds from all walks of life are scrambling to enter the film and television industry, and film companies are constantly expanding their business maps. As of the first three quarters, the total capital operation value of the film and television industry has already reached tens of billions, far behind the "seemingly amazing" box office estimate. It can be said that capital is constantly changing the pattern of China films.

　

　 　Now the question is, what kind of influence does such frequent and huge capital operation have on the future development of China films?

　

Multi-layout of "Internet-based" M&A and expansion of film industry

　

　 　 In the first three quarters of 2014, Huayi Brothers made frequent moves in the Internet field: in June, it acquired the selling network; In July, the online game strategic plan was announced at China Joy (China International Digital Interactive Entertainment Exhibition); In August, the new media platform Star Shadow Alliance was launched to develop fan economy … … In response to these attempts, Wang Zhonglei, president of Huayi Brothers, responded in an industry forum: "With the advent of the Internet era, Huayi’s corporate structure and business layout are bound to change. We need to constantly strengthen inter-industry cooperation to adapt to the development trend of the network economy. "

　

　 　 At present, Huayi Brothers is deploying its interactive entertainment business group. In fact, as early as four years ago, they began to target the Internet industry for multi-party layout. In June 2010, Huayi acquired a 22% stake in Palm Technology for 145 million yuan. In 2011, Tencent was introduced as a strategic investment partner. In 2012, Huayi International, a wholly-owned subsidiary, invested in Domi Music. In 2014, Huayi once again spent 672 million yuan to control Guangzhou Yinhan Technology. For the purpose of acquisition, the company explained: "Improve the layout of the industrial chain and bring new revenue growth points to both parties."

　

　 　 This model has been widely recognized in the process of the integration of traditional film and television companies and the Internet. In addition to Huayi Brothers, Enlight Media also successively invested RMB 160 million and RMB 230 million in two online game companies, Fun Life and Xianhai Technology, and then spent RMB 176 million and RMB 208 million to win the hot air network and animation company Guangzhou Blue Fox. Li Li, chairman of Heli Guang Chen International Culture Media, said that for traditional film companies, the space of the online market is huge: "In 2013, the box office revenue of several major film companies was 4 billion yuan, while the Internet industry only brought related benefits from the game industry chain, which exceeded 80 billion yuan."

　

The pace of industry integration of film and television companies to "de-film" has accelerated.

　

　 　 On October 23rd, Huayi Brothers officially announced its third quarter 2014 financial report. It shows that the company’s film business income dropped by 74.76% compared with the same period of last year, but the overall operating profit maintained a growth of 13.07%. These data are enough to show that Huayi Brothers is fully implementing the development strategy of "de-filming". Wang Zhonglei said that Huayi Brothers expects to rely on the expansion of downstream industries to bring about the brand’s liquidity, and on the basis of maintaining the two core advantages of film content and star-making ability, accelerate the pace of business integration of the company.

　

　 　 China’s film industry needs to own and improve its industrial chain if it really wants to compete with Hollywood. And a complete industrial chain means that online and offline must develop simultaneously. On the occasion of its 20th anniversary, Huayi Brothers announced the opening of "Huayi Xiaogang Feng Film Commune" and officially launched the cultural tourism project. Light Media, which urgently needs to explore business transformation, has also planned to spend 10 billion yuan to build "China Film World" in Shanghai. However, compared with the "Oriental Film Capital" built by Wanda Group, a subsidiary of Wanda Pictures, which cost 50 billion yuan, it was immediately "dwarfed". If Leonardo DiCaprio, Nicole Kidman and other Hollywood superstars were invited to help open the red carpet a year ago, it still belongs to the local tyrants’ school, then the film and television base under construction, which integrates the comprehensive functions of film and television location, film and television production, film and television exhibition and film and television tourism, has begun to take on the momentum of "Oriental Hollywood". As a pioneer in the combination of film and real estate, Wanda has identified film production base and cultural real estate as new areas of core functional industries, attracting domestic and foreign film and television companies to settle down, which indicates that China film industry has taken a key step towards Hollywood’s mature development layout model.

　

　 　 In the third quarter of 2014, the performance of LeTV and its LeTV film industry was quite eye-catching. Its own network DNA allows LeTV to save the link of "internetization" and focus more on downstream industries. While relying on movies such as TV and TV to seize the market share of the big screen, we have completed the construction of the whole product line of super tv. The performance report shows that the sales volume of its super tv products has increased rapidly, and the ecological effect has been highlighted, which has helped the company to establish a diversified business model of "diversified content+diversified channel layout+diversified users+diversified income" and promoted the company’s profit to increase steadily.

　

Outside the film industry, financial capital and traditional enterprises have entered the market one after another.

　

　 　 Not only do film and television companies choose to diversify their industry layout and obtain capital support through different channels, but a large number of financial capital and enterprises in traditional industries also prefer this industry. On the one hand, the booming film and television industry in recent years makes investors expect to get high returns in a short time; On the other hand, it also shows the urgent transformation needs of some traditional enterprises. Therefore, compared with the situation in the same period in 2013, most of the industry mergers and acquisitions were led by tycoons such as Huayi Brothers and Light Media, the trend of film and television resources integration spreading to the outside world in 2014 was quite obvious.

　

　 　 In the past, PE(Private Equity Private Equity Fund) has been simply seeking cooperation with initial public offerings. Huayi Brothers, Huace Film and Television and other companies have successfully listed through this cooperation model. Nowadays, with the expansion of the film and television industry capital market, PE has gradually withdrawn from IPO business, and the concept of "M&A fund" has begun to rise, and it is not difficult to find the figure of cultural and entertainment industry. Relevant people in the industry pointed out that under the premise that the expected profit is optimistic and the industrial income is growing, film and television are very competitive in attracting investment in the financial industry. Compared with the long capital freeze period and fluctuating yield of IPO, the return on investing in movies is obviously faster and much higher than the former.

　

　 　 According to statistics, as of press time, the total value of capital operation involving the film and television industry in 2014 has exceeded 10 billion. In addition to the financial industry mentioned above, many traditional enterprises have begun to choose "cross-border" under the influence of factors such as the investment profit rate and the decline of main business profits. In August, Zhongji Holdings, which transformed from the traditional manufacturing industry, spent 1.5 billion yuan to bring Confucianism Xinxin Film into the door; In September, Royal Dairy officially issued an announcement to purchase 100% equity of Yujia Film and Television for 205 million yuan; During the Golden Week of November, Beijing tourism was in the limelight for a while because of investment. In the end, the box office of this film broke through the 1.1 billion mark, and another work that was previously released also achieved good results. The industry estimated that Beijing tourism could gain 100 million yuan by relying on the transformation of film and television this year, which more than tripled the net profit of 32 million in the same period last year. Judging from the company’s fixed-income plan, they will also plan to raise 3.3 billion yuan, of which 2.52 billion yuan will be used to acquire three cultural media and brokerage companies, completely shifting their business from a single tourism service to paying equal attention to tourism and film and television culture.

　

High return leads to capital aggregation, cross-border financing enhances professionalism and avoids risks.

　

　 　 On the one hand, the traditional industry is caught in the predicament of slow development, and on the other hand, the film and television industry is facing the opportunity of market expansion. At present, the strong attraction of China films to foreign funds is unstoppable. For those investors who have fought many battles, what is there in the film circle that is worth throwing money into?

　

　 　 Gao Jun, general manager of Guosheng Film, pointed out in an interview with 1905 Film Network: "What do these outside investors see? It is a return of 10 million yuan and 300 million yuan. It is a myth that investing 30 million yuan to earn 1.2 billion yuan. In contrast, the investment prospects of other industries are much dimmer, which also makes China’s film and television industry form a capital aggregation effect. " However, Gao Jun also admitted that most irrational investments that lack the guidance of professional teams will become bubbles: "The annual output of movies can reach 700-800, while only 200-300 are in the cinema. Even if you enter the cinema, it is not 100% profitable, basically following the 2: 8 law, and only 20% make money. " About three years ago, all kinds of hot money poured into the film circle, and all kinds of small movies came one after another. Gao Jun once revealed that a boss invested in a movie and lost all his money. He almost jumped out of the window in front of him. In these three years, after the survival of the fittest, those who blindly invest are not without, but the cakes left to them are getting smaller and smaller, and the industry is developing and maturing. Those who can stay must have their own advantages.

　

　 　 Abandoning the blindness of "no return" to enter the film industry, now hot money outside the industry begins to operate in a standardized way through formal capital channels and professional venture capital teams, which not only reduces investment risks, but also ensures investment returns. For example, in September 2014, LeTV Pictures, which ranked TOP3 in the mainland film company, completed the B round of financing with the participation of Hengtai Capital and other companies, with a quota of 340 million; In the same month, Huanya Media Group, a well-known entertainment company, jointly established Longhu Capital with SM Entertainment and Fubon Group to raise funds for international investors, with the first-stage target of 100 million US dollars (about 600 million yuan). The combination of film and television companies and capital is more standardized and systematic.

　

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　 　 Both foreign investors holding hot money and film and television companies in the ups and downs industry have seen the unstoppable trend of cultural industry upgrading behind the box office output of China films. For investors, this is an opportunity that the capacity and consumption power are still growing and the prospects are bright. In the eyes of film and television companies, the current rapid development of the industry provides them with an excellent platform to extend the industrial chain and broaden business channels. In a word, the box office revenue of 30 billion yuan can’t meet the rapidly developing market demand and space. Industry capital will realize the change from quantity to quality through the integrated operation of seizing every minute, and jointly help China film industry to mature.

　　In Yichun Jingxing Aluminum Formwork Manufacturing Co., Ltd., Jiangxi Province, a fully automatic welding robot is welding. In the process of returning to work and production, some local enterprises started the "new start-up mode", relying on the industrial Internet platform to improve production efficiency and ease employment problems. People’s vision

　　From 2012, when the concept was first put forward, to 2019, when it was written into "Government Work Report", the industrial Internet construction in China has achieved remarkable results in recent years. With the acceleration of new infrastructure, the industrial Internet, which ranks among them, will be blocked, and it is expected to enter a period of rapid development.

　　In the past few days, the central and local governments have successively introduced policies and measures to promote the development of industrial Internet, and accelerated the integration of industrial Internet and industry. On March 20th, the Ministry of Industry and Information Technology issued the Notice on Accelerating the Development of Industrial Internet (hereinafter referred to as the Notice), proposing 20 measures in six aspects, including "accelerating the construction of new infrastructure, accelerating the expansion of integrated innovative applications, accelerating the improvement of security system, accelerating the expansion of innovation and development momentum, accelerating the improvement of industrial ecological layout, and increasing policy support".

　　All-round interconnection

　　Industrial Internet is a brand-new economic ecology, key infrastructure and new application mode with the deep integration of new generation information technology and industrial economy. By systematically constructing three functional systems: network, platform and security, it creates a new network infrastructure with comprehensive interconnection of people, machines and materials, realizes the comprehensive connection of all factors, industrial chains and value chains, and promotes the formation of a brand-new manufacturing and service system.

　　Regarding the role of the industrial Internet as a link between the preceding and the following, Wu Hequan, an academician of China Academy of Engineering, said: "The industrial Internet platform is a new industrial system to a certain extent ‘ Operating system ’ Downward docking massive industrial equipment, instruments and products, upward supporting the rapid development and deployment of industrial intelligent applications, and playing an important role similar to Microsoft Windows, Google Android system and Apple iOS system. "

　　The data shows that at present, there are hundreds of industrial Internet platforms in China, and the number of platforms with certain regional and industry influence has exceeded 50. Among them, there are the underlying technology platforms built by Internet companies such as Ali and Tencent; There are also platforms for traditional industrial technology solution enterprises such as Aerospace Cloud Network and Haier to meet the needs of transformation and development; There are platforms for large manufacturing enterprises such as Xugong, TCL and Foxconn to incubate independent operating companies; There are also platforms built by various innovative enterprises based on their own characteristics.

　　For the future development of the industrial Internet, the Ministry of Industry and Information Technology made it clear in the Notice that it will promote basic telecommunications enterprises to build high-quality extranets, encourage industrial enterprises to upgrade and transform industrial Internet intranets, build high-quality park networks, and guide platforms to enhance new technologies such as 5G and artificial intelligence, and accelerate the construction of national industrial Internet big data centers.

　　At the same time, local governments have also moved quickly. Up to now, Guangdong, Shanghai, Hebei, Hunan, Chongqing, Zhejiang, Jiangsu and other places have introduced supporting policies such as building industrial Internet industry supply resource pools, standardizing infrastructure standard systems, and providing project subsidies.

　　The fight against the epidemic has contributed greatly.

　　The important role of industrial Internet has been fully reflected in the prevention and control of epidemic situation in COVID-19 and the resumption of production of enterprises.

　　In the process of fighting the epidemic, the industrial Internet has given full play to the ability of interconnection and resource linking, promoted the docking of supply and demand, and strongly supported the integration of resources and efficient use of materials in the whole society.

　　Take the deployment of key materials such as masks and protective clothing as an example. At the beginning of the epidemic, due to the lack of detailed knowledge of the daily production, sales and inventory of such key materials, it is difficult to track the logistics and distribution of materials, so some first-line medical units are short of materials. To this end, some industrial Internet companies have joined the material deployment, effectively docking the supply-side and demand-side information, providing a basis for real-time and accurate deployment of key materials.

　　For example, kaos Industrial Internet Platform (COSMOPlat) of Haier Group launched a "medical material information sharing resource gathering platform" after the outbreak, which can accurately and quickly match materials, help manufacturers to efficiently match materials with the needs of areas with severe epidemics, and also provide data support for government material allocation.

　　In this regard, Xu Xiaolan, president of China Industrial Internet Research Institute, said that through the identification analysis, blockchain and other industrial Internet-related technologies, when materials are produced and stored, you can know the location, quantity, type and other information of each material through the industrial Internet platform, so as to achieve efficient control and accurate configuration.

　　At a time when the epidemic situation has been effectively controlled and all localities have resumed work and production in an orderly manner, the industrial Internet has provided SMEs with tools such as industrial APP and industrial cloud services to help them resume work and production. Among them, under the guidance of the Information Technology Development Department of the Ministry of Industry and Information Technology, the industrial Internet platform provides 210 industrial apps, covering the whole process of manufacturing, operation management and operation and maintenance services.

　　In this regard, the "Notice" also proposes that it will actively use the industrial Internet to promote the resumption of production, encourage the use of the industrial Internet to realize the sharing of information, technology, production capacity and orders, realize the accurate allocation and efficient docking of cross-regional and cross-industry resources, and promote enterprises to accelerate the networking of industrial equipment. Cloud.

　　Convergence and development of resources

　　A few days ago, the central government made arrangements to speed up the construction of new infrastructure. Related fields of "new infrastructure" that have attracted much attention — — 5G base stations, big data centers, etc. are all related to the industrial Internet.

　　For example, the "Notice" turns the new infrastructure of the industrial Internet into the internal and external networks of the industrial Internet, the identification analysis system, the industrial Internet platform, and the industrial Internet big data center. Among them, the construction of the National Industrial Internet Big Data Center will provide strong support for China to strengthen the sharing of industrial big data resources, technological innovation and development, and innovative application cultivation.

　　At present, China is promoting the construction of data centers represented by the National Industrial Internet Big Data Center. Wang Jian, an academician of China Academy of Engineering and chief scientist of China Industrial Internet Research Institute, pointed out that the construction of data center can integrate big data resources of industrial Internet, effectively improve the management, service and security level of big data resources of industrial Internet in China, accelerate the innovation and development of industrial Internet, help the transformation and upgrading of manufacturing industry, and significantly enhance the ability of data-driven government governance and data empowerment of the real economy.

　　In terms of "5G+ Industrial Internet", the Notice proposes to encourage industrial enterprises to upgrade and upgrade the industrial Internet intranet, build 10 benchmark networks, and promote 100 leading enterprises in key industries and 1,000 local key enterprises to upgrade and upgrade the industrial Internet intranet. Encourage local organizations 1-mdash; Three industrial enterprises cooperated with basic telecom enterprises in depth, and used 5G to transform the industrial Internet intranet.

　　The intranet of industrial internet goes deep into workshops, production lines and equipment, which is the key foundation and necessary condition to realize the comprehensive interconnection of man-machine and things. Accelerating the integration and development of 5G and industrial Internet will promote the transformation of manufacturing industry from single-point and partial information technology application to digitalization, networking and intelligence, and will also open up a broader market space for 5G, thus strongly supporting the construction of manufacturing power and network power.

　　Support the real active economy

　　Accelerating the development of industrial internet and coordinating epidemic prevention and control and economic and social development are the priority choices to alleviate the downward pressure on the economy, take into account the effective demand for short-term stimulus and increase effective supply for a long time.

　　Recently, China Information and Communication Research Institute released the Report on Economic Development of Industrial Internet Industry (2020). The report shows that in 2018 and 2019, the economic added value of China’s industrial Internet industry was 1.42 trillion yuan and 2.13 trillion yuan respectively, accounting for 1.5% and 2.2% of GDP respectively. It is estimated that in 2020, the economic scale of China’s industrial Internet industry will reach 3.1 trillion yuan, accounting for 2.9% of GDP, and at the same time, it will drive about 2.55 million new jobs.

　　Liu Duo, president of China Information and Communication Research Institute and chairman of the Industrial Internet Industry Alliance, said that with the guidance of national policies and the joint efforts of all parties concerned, China’s industrial Internet is accelerating from concept advocacy to deep-rooted cultivation, and its driving role in economic and social development is increasingly prominent.

　　In recent years, the integration of industrial Internet and real economy in China has continued to deepen. Today, the industrial Internet has penetrated into more than 30 key industries of national economy, including construction machinery, steel, petrochemical, mining, energy, transportation and medical care. Intelligent production, networked collaboration, personalized customization, service extension, digital management and other new modes of innovation are active, which have effectively promoted transformation and upgrading and spawned new growth points. Typical large enterprises improve data utilization rate through integration, form a complete production system and management process application, and greatly improve their intelligence level. Small and medium-sized enterprises, through the industrial internet platform, fill the shortcomings of digital capabilities at a lower price and in a more flexible way. The good situation of large, medium and small enterprises and the integration and development of the first, second and third industries is accelerating.

　　Experts predict that in the next three years, the industrial Internet is expected to achieve a compound annual growth rate of about 14%, and the industrial Internet will become one of the most active growth areas in the national economy.

　　Strengthen safety and fill short board

　　With the development of China’s industrial Internet, which is deeply integrated with the new generation of information technology and manufacturing industry, the security challenges brought about by it are constantly escalating. The industry believes that security has become the key to the healthy development of the industrial Internet. The level of enterprise security protection needs to be improved urgently, and the potential risks are prominent. Once a security incident occurs, it will have a serious impact.

　　The Notice proposes that development and security must be coordinated, and enterprises should implement the "three synchronizations" principle of network security: while building networks and platforms, they should earnestly fulfill the main responsibilities of network security, establish security management systems at the same time, build security protection measures, improve security protection capabilities, and ensure the healthy and orderly development of industrial Internet.

　　In addition, the COVID-19 epidemic also highlighted the shortcomings that China’s industrial Internet needs to be filled. Experts pointed out that although the total amount of industrial internet data resources in China has exploded, there are still problems such as isolation, dispersion and closure of data resources in various regions and industries, and the data value has not been effectively used.

　　In this regard, the "Notice" clarifies that it is necessary to focus on building a "national center+sub-center" industrial Internet big data center to realize the convergence, integration, analysis and application of national industrial Internet big data resources. At the same time, it is necessary to accelerate the cooperation and sharing of industrial Internet big data resources, organize key enterprises to access industrial Internet big data centers, and jointly build and share a safe and credible industrial data space. (Reporter Liu Wei)

　　Xinhua News Agency, Moscow, December 31 (Reporter Luan Hai) Russian President Vladimir Putin and Ukrainian President Zelensky exchanged greetings on December 31, and gave positive comments on the exchange of detainees in eastern Ukraine and the natural gas transit agreement reached by Russian and Ukrainian enterprises.

　　The Russian President’s website released a message saying that during the call, "Russian and Ukrainian presidents congratulated each other on the New Year and expressed their support for Russia and Ukraine to develop bilateral relations in 2020." The two sides positively evaluated the exchange of detainees between the Ukrainian government and civilian armed forces in eastern Ukraine on the 29th, believing that this move would help enhance mutual trust. Putin stressed that it is very important for Russia and Ukraine to "reach an agreement on the transit of Russian natural gas through Ukraine and uninterrupted transportation to Europe".

　　According to the Ukrainian News Agency, the leaders of the two countries also agreed to promote the approval of a new batch of Russian-Ukrainian detainees exchange list as soon as possible, and hoped that the military contact zone in eastern Ukraine could achieve a complete ceasefire as soon as possible.

　　In April 2014, a large-scale conflict broke out between Ukrainian government forces and civilian armed forces in the Donbass region of eastern Ukraine (including Donetsk and Luhansk States). Through the mediation of the international community, the two parties to the conflict reached a ceasefire agreement in Minsk in September 2014 and February 2015 respectively to determine the ceasefire line. In February 2015, the leaders of France, Russia, Germany and Ukraine adopted a package of measures to implement the Minsk ceasefire agreement. Since then, the large-scale conflict in Wudong has been controlled, but small-scale crossfire has occurred from time to time.

　　On December 9, 2019, the "Normandy Model" four-nation summit aimed at solving the conflict in eastern Ukraine was held in Paris, France. The leaders of France, Russia, Germany and Ukraine attended the meeting and stressed that the Minsk ceasefire agreement should be fully implemented. During the summit, Zelensky and Putin met, and the two sides discussed the new round of troop withdrawal and the exchange of detainees in Wudong. (Participating in reporter: Li Dongxu)

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　　All banking insurance regulatory bureaus, insurance companies and insurance intermediaries:

　　According to the Insurance Law of People’s Republic of China (PRC), Measures for the Supervision of Internet Insurance Business and other laws and regulations, in order to strengthen and improve the supervision of Internet life insurance business, standardize market order, guard against business risks, promote fair competition, and effectively protect the legitimate rights and interests of insurance consumers, with the consent of China Banking and Insurance Regulatory Commission, we hereby notify the relevant matters concerning the operation of Internet life insurance business by insurance institutions as follows:

　　First, strengthen capacity building and improve the level of business services.

　　(1) The term "Internet life insurance business" as mentioned in this Notice refers to the business activities of insurance companies to publicly publicize and sell Internet life insurance products, conclude insurance contracts and provide insurance services by setting up self-operated network platforms or entrusting insurance intermediaries on their self-operated network platforms. The insurance institutions mentioned in this Notice include all insurance companies (including mutual insurance organizations and Internet insurance companies) and all insurance intermediaries (including professional insurance intermediaries and part-time insurance agencies).

　　Insurance companies that meet the relevant conditions of this notice may conduct Internet life insurance business without setting up branches nationwide. If the relevant conditions are not met, the Internet life insurance business may not be carried out. An insurance company entrusts an insurance intermediary to carry out Internet life insurance business, and the insurance intermediary should be a national institution. Involving online and offline integration to carry out life insurance business, Internet life insurance products shall not be used, and the business area shall not be extended to areas without branches.

　　(2) Insurance companies and insurance intermediaries should have corresponding technical, operational and service capabilities to carry out life insurance business on the Internet, choose life insurance products that meet the characteristics of Internet channels for online sales, strengthen the management of sales process and improve the risk management and control system.

　　Insurance companies should use scientific and technological means to optimize product supply, improve insurance services, improve operating efficiency, and promote life insurance products with risk protection or long-term savings functions.

　　(3) An insurance company (excluding Internet insurance companies) shall meet the following conditions when conducting Internet life insurance business:

　　1 for four consecutive quarters, the comprehensive solvency adequacy ratio reached 120%, and the core solvency was not less than 75%.

　　2. The comprehensive risk rating for four consecutive quarters is in Class B or above.

　　3. The coverage rate of liability reserve is higher than 100% for four consecutive quarters.

　　4. The corporate governance assessment of the insurance company is Grade C (qualified) or above.

　　5. Other conditions stipulated by China Banking and Insurance Regulatory Commission.

　　Internet insurance companies shall comply with the relevant conditions of the Measures for the Supervision of Internet Insurance Business when conducting Internet life insurance business. At the end of last quarter, the solvency, comprehensive risk rating and coverage ratio of liability reserve meet the requirements of the preceding paragraph.

　　(4) An insurance company shall have an efficient and stable business system to carry out Internet life insurance business. It can support the exclusive management of life insurance business on the Internet, has the concurrent processing ability suitable for business needs, and has a perfect network security protection means and management system.

　　An insurance company should have a financial system that meets the needs of Internet life insurance business, and conduct independent accounting for Internet life insurance business.

　　(5) An insurance company shall have the corresponding online operation ability to carry out Internet life insurance business and meet the following requirements:

　　1. Online insurance. Support online display of all insurance information to consumers and remote acquisition of necessary insurance information, which can realize basic functions such as location confirmation of the insured and the insured, and personal identification.

　　2. Online underwriting. We should fully realize automatic underwriting as soon as possible, encourage insurance companies to apply scientific and technological means to improve underwriting quality, enhance underwriting efficiency, further improve anti-fraud ability and level, and explore differentiated and intelligent underwriting.

　　3. Online underwriting. Support online confirmation of insurance intention, completion of premium income and expenditure, realization of surrender in hesitation period and other functions, and issue legal and effective electronic insurance policies.

　　4. Online service. All sales platforms have realized the comprehensive online service entrance of consumer consultation, inquiry, security, surrender, claims, complaints, etc., continuously improved the online service level, and ensured the continuous provision of service support not lower than the offline service standards of similar sales businesses within the validity period of the policy.

　　(6) An insurance company shall establish a convenient and efficient online service system to carry out Internet life insurance business, and the service standard shall not be lower than the following requirements:

　　1. The insurance company shall guarantee daily uninterrupted online service, and the connection rate of consumer consultation or service request shall not be less than 95%.

　　2. Insurance companies should provide comprehensive technical support for consumers’ independent purchase and self-service. Customer service personnel of insurance companies can provide online personal insurance business consultation and services at the request of consumers, and the exchange page displays their insurance institutions and customer service numbers in real time. Customer service personnel of insurance companies shall not take the initiative in marketing, and their salaries shall not be linked to the sales assessment indicators of Internet life insurance business.

　　3. Internet personal insurance business should fully realize real-time underwriting and real-time underwriting as soon as possible. If it is necessary to carry out procedures such as physical examination and survival investigation, it should notify the applicant within 1 working day after receiving the complete insurance information and complete the underwriting as soon as possible.

　　4. Internet life insurance business shall use electronic insurance policies, which shall specify the information of the entrusted intermediary institutions (if any) and shall be delivered to the insured within 2 working days after underwriting. During the insurance period, an insurance company shall provide a paper policy in time according to the requirements of the insured.

　　5. The insurance company shall continuously provide online security services to consumers during the insurance period, and the online security matters shall be handled within 2 working days after the application is submitted. If it cannot be completed within the prescribed time limit due to special circumstances, it shall promptly explain the reasons to the applicant and inform the processing progress.

　　6. After receiving the notice of insurance accident from the applicant, the insured or the beneficiary, the insurance company shall give a one-time claim settlement guidance within 1 working day; After receiving the request for compensation or payment of insurance benefits from the insured or beneficiary, if the insurance company considers that the relevant certificates and materials are incomplete, it shall notify the applicant, the insured or the beneficiary to supplement them at one time within 2 working days; After receiving the request for compensation or payment of insurance benefits from the insured or beneficiary and complete materials, make a verification within 5 working days, and notify the applicant within 1 working day after making the verification; In case of complicated circumstances, the approval period can be extended to 30 days.

　　7. Online application for surrender of Internet life insurance business shall be approved and notified to the applicant within 1 working day; In case of complicated circumstances, the approval period can be extended to 3 working days.

　　8. Internet personal insurance business should strengthen complaint management, set up online complaint channels, get in touch with the complainant within 1 working day after receiving the complaint, improve handling efficiency, and explore the establishment of a complaint return visit mechanism.

　　(7) When an insurance company entrusts an insurance intermediary to carry out Internet life insurance business, it shall carefully screen the partners, strictly control the sales behavior and ensure the service quality.

　　Insurance intermediaries to carry out Internet life insurance business, should strengthen the system construction, and have the operation and service capabilities that meet the requirements of Article (5) and (6). Customer service personnel of insurance intermediaries shall not take the initiative to market, and their salaries shall not be linked to the sales assessment indicators of Internet life insurance business.

　　Two, the implementation of exclusive business management, standardize the market competition order.

　　(8) Insurance companies shall implement exclusive management of Internet life insurance business, use Internet life insurance products that meet the relevant provisions of this Notice, and follow the business rules such as network layout and sales management. The development of Internet life insurance products by insurance companies should conform to actuarial principles, with clear insurable benefits, and the design of terms and the determination of rates are legal, compliant, fair and reasonable. Encourage insurance companies to apply digital tools and scientific and technological means to provide differentiated pricing and refined services to meet the growing personal risk protection and long-term savings needs of the people.

　　Internet life insurance products are limited to accident insurance, health insurance (excluding nursing insurance), term life insurance, ordinary life insurance with an insurance period of more than ten years (excluding term life insurance), ordinary annuity insurance with an insurance period of more than ten years, and other life insurance products stipulated by China Banking and Insurance Regulatory Commission. Internet life insurance products that do not meet the requirements of this notice shall not be operated online, and the insurance links of products shall not be publicly displayed or directly pointed to through the Internet.

　　(9) An insurance company applying for approval or filing of Internet life insurance products shall meet the following requirements:

　　1. The product name should contain the word "Internet", and the sales channel is limited to Internet sales. Non-Internet life insurance products shall not use related words.

　　2. Product design should reflect the characteristics of direct operation of Internet channels. The scheduled surcharge rate for Internet life insurance products with an insurance period of one year or less shall not be higher than 35%; Internet life insurance products with an insurance period of more than one year shall have a predetermined additional charge rate of no more than 60% in the first year and an average additional charge rate of no more than 25%.

　　3. Products can provide flexible and convenient payment methods. If the Internet life insurance products with an insurance period of one year or less are paid in installments, the payment amount of each installment should be consistent, and the Internet life insurance products with an insurance period of more than one year should comply with the relevant regulations of China Banking and Insurance Regulatory Commission.

　　4. The product design shall ensure that the insurance period is consistent with the actual duration, and the actual duration shall not be changed in disguise by surrendering the insurance fee or adjusting the cash value interest rate.

　　5. The calculation of the minimum cash value of Internet life insurance products with an insurance period of one year or less shall adopt the calculation method of the unexpired net premium, and its calculation formula is: minimum cash value = net premium ×(1-m/n), where m is the number of days that have taken effect and n is the number of days during the insurance period, and if the elapsed date is less than one day, it shall be counted as one day.

　　6. Other conditions stipulated by China Banking and Insurance Regulatory Commission.

　　(10) When an insurance company applies for approval or filing of Internet life insurance products, the materials submitted shall not only comply with the insurance clauses and relevant regulatory provisions on insurance rate management, but also submit an actuarial report, and the pricing basis of the products shall be listed in the actuarial report.

　　Internet life insurance products with an insurance period of one year or less shall specify the expected payout ratio in the actuarial report; If the Internet life insurance products with an insurance period of more than one year are priced by reinsurance data or empirical data, the latest occurrence rate table issued by China Banking and Insurance Regulatory Commission or designated relevant institutions shall be indicated, and the average conversion ratio shall be listed.

　　Internet life insurance products shall specify the upper limit of intermediary fee rate in actuarial report, and shall not directly charge the information technology support and information technology service fees arising from the operation of Internet life insurance business, and shall not break through or break through the upper limit of predetermined additional fee rate in disguised form.

　　When an insurance company applies for approval or filing the Internet life insurance products listed in Article (13) of this Notice, it shall also list the branches and cooperative institutions in the submitted materials.

　　(11) An insurance company applying for approval or using newly filed Internet accident insurance and term life insurance products shall comply with Articles (3) to (6) of this Notice.

　　An insurance company applying for approval or using newly filed Internet health insurance (except nursing insurance) products shall not only meet the requirements of the preceding paragraph, but also meet the requirement that it has not been subjected to major administrative punishment for illegal operation of Internet insurance business in the previous year.

　　An insurance company applying for approval or using the newly filed ordinary life insurance (except term life insurance) and ordinary annuity insurance products with an insurance period of more than 10 years shall meet the following conditions:

　　1. The comprehensive solvency adequacy ratio exceeds 150% for four consecutive quarters, and the core solvency is not less than 100%.

　　2 for four consecutive quarters, the comprehensive solvency surplus exceeded 3 billion yuan.

　　3. The comprehensive risk rating for four consecutive quarters (or six quarters within two years) is above Class A..

　　4. It has not received any major administrative punishment for the operation of Internet insurance business in the last year.

　　5. The corporate governance assessment of the insurance company is Grade B (good) or above.

　　6. Other conditions stipulated by China Banking and Insurance Regulatory Commission.

　　(12) When an insurance company entrusts an insurance intermediary to carry out Internet life insurance business, it shall specify the rights and obligations of both parties, the cooperation period, the dispute settlement plan, the liability for breach of contract and the customer complaint handling mechanism.

　　Insurance intermediaries selling ordinary life insurance (except term life insurance) and ordinary annuity insurance products with an insurance period of more than ten years shall meet the following conditions:

　　1 with more than three years of experience in Internet life insurance business.

　　2. It has a complete sales management, policy management and customer service system, as well as a safe, efficient and real-time information system and capital settlement process for online payment and settlement business.

　　3. It did not receive any major administrative punishment for the operation of Internet insurance business last year.

　　4. Other conditions stipulated by China Banking and Insurance Regulatory Commission.

　　(13) An insurance company shall, in addition to meeting the above-mentioned basic conditions, set up a provincial branch in its business area or cooperate with other insurance companies and insurance intermediaries that have set up branches to operate through the Internet, so as to ensure offline service capabilities in its sales area.

　　Insurance companies conducting other Internet life insurance businesses should have offline service capabilities no less than those of similar businesses for sale.

　　(14) When an insurance company operates or entrusts an intermediary agency to carry out Internet life insurance business, it should make an appropriate assessment before applying for insurance, scientifically assess the behavioral ability of consumers to purchase insurance products online and enjoy insurance services, and insist on selling insurance products to consumers that are compatible with their risk protection needs and payment ability.

　　(15) Insurance companies should strengthen underwriting management, grasp the full amount of underwriting information, ensure the independence of underwriting, and must not lower underwriting standards and reduce underwriting responsibilities when conducting Internet life insurance business.

　　The notification text of Internet life insurance business is formulated and provided by insurance companies, which meets the basic requirements of clear content, easy-to-understand text and concise and smooth expression, and reduces the use of uncommon terms. Insurance intermediaries shall not change or reduce the contents of the notification without authorization, and shall not induce the insured to make false statements.

　　Third, enrich the supervision mechanism and strengthen the supervision of innovative business.

　　(sixteen) insurance companies to carry out Internet life insurance business, should establish and improve the business backtracking mechanism. Insurance companies should regularly carry out Internet life insurance business backtracking as required, focusing on key indicators such as payout ratio, incidence rate, expense rate, surrender rate and return on investment, backtracking the deviation between actual operating conditions and actuarial assumptions, and taking the initiative to take measures such as attention, adjustment and improvement, active reporting and information disclosure. The chief actuary of an insurance company is the person directly responsible for the retrospective work of Internet life insurance business, and should organize and implement the retrospective work as required to ensure that the data used are comprehensive and true, the calculation method conforms to actuarial principles, and the rectification measures are timely and effective.

　　(XVII) An insurance company that conducts Internet life insurance business shall submit a report on the operation of the previous year through the information system related to Internet insurance supervision before March 20th of each year (see Annex 2 for the template, and the report data shall be as of December 31st of the previous year), and complete the registration of Internet life insurance business operation and information disclosure.

　　If an insurance company needs to adjust the business scope of personal insurance on the Internet, it should make a continuous announcement 10 days in advance on the self-operated platform, the self-operated platform of the agency and the sales page of each product. The contents of the announcement shall include the business scope adjustment decision, reasons and service guarantee measures, etc., and the adjustment shall be completed before April 1 of each year. If the business scope of Internet life insurance is narrowed, it should also give special tips to insured customers through effective channels.

　　(18) If an insurance company violates the relevant provisions of this Notice, it shall, as appropriate, take regulatory measures such as regulatory talks, risk warnings and prohibiting the declaration of new Internet life insurance products within a certain period of time according to law, and impose administrative penalties according to relevant laws and regulations.

　　If an insurance company entrusts an intermediary agency to carry out Internet personal insurance business in violation of the relevant provisions of this Notice, the insurance company and the intermediary agency shall be investigated at the same place, and a unified standard of discretion shall be maintained for similar businesses.

　　(XIX) China Banking and Insurance Regulatory Commission will initiate supervision procedures such as inquiry, investigation and inspection according to the retrospective situation of Internet life insurance business of insurance companies, and investigate and deal with illegal matters according to law. In the event that the insurance company fails to backtrack regularly according to the notification requirements, the backtrack data is untrue, and the pricing risk has not improved for a long time, China Banking and Insurance Regulatory Commission will not only deal with it according to Article 18, but also remind the board of directors of relevant risks, and at the same time, investigate the responsibilities of the company’s principal responsible persons and relevant management personnel according to law.

　　(20) If an insurance company is subject to administrative punishment for serious violations of laws and regulations and serious violations of consumers’ legitimate rights and interests due to Internet life insurance products, it shall promptly formulate consumer rights protection and rectification plans and make an announcement to the public.

　　(twenty-one) the actuarial liability reserve coverage ratio mentioned in this notice, the calculation formula is shown in Annex 1.

　　The major administrative penalty referred to in this Notice refers to the following administrative penalties imposed on insurance institutions for Internet insurance business: limiting the business scope, ordering them to stop accepting new business, ordering them to suspend business for rectification, revoking their business licenses, revoking the qualifications of company executives or prohibiting them from entering the industry.

　　(twenty-two) from the date of issuance of this notice, if the previous provisions are inconsistent with this notice, this notice shall prevail.

　　Give a transition period to insurance companies that have already started Internet life insurance business. Insurance companies shall, based on the protection of consumers’ legitimate rights and interests, promote the rectification of existing Internet life insurance business on the premise of fully evaluating and making good plans, and fully meet the requirements of this notice before December 31, 2021.

　　The insurance company shall start the trial operation of the Internet life insurance business backtracking mechanism in the second quarter after the issuance of this notice, and China Banking and Insurance Regulatory Commission shall designate industry organizations to assist in the implementation of relevant work. The retrospective mechanism of Internet life insurance business has been officially implemented since January 1, 2023.

　　Annex: 1. Description of the formula for calculating the coverage ratio of liability reserve.

　　2.2XXX years Internet life insurance business report

　　General Office of China Banking and Insurance Regulatory Commission, China

　　October 12, 2021