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Notice of the General Office of China Banking and Insurance Regulatory Commission, China on Further Regulating the Internet Personal Insurance Business of Insurance Institutions

　　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

Endurance and intelligent driving are all top! How to choose Extreme Yue 07？

When it went on the market, the market feedback was great, not only because the improvement of the intelligent cabin and intelligent driving ability of this car was very exaggerated, but more importantly, even the low endurance of the three SKU versions launched this time was very sufficient.

In this article, AutoNet Xiaobian will take a detailed inventory of the advantages of this model in smart driving and smart cabin, and which version of the three SKUs is the most cost-effective and suitable for what people.

First of all, the smart driving of Extreme Yue 07 comes from the empowerment of Baidu, yes, it is the smart driving with a cumulative investment of over 170 billion.

At the press conference some time ago, Extreme Yue upgraded PPA Intelligent Driving to ASD(Apollo Self Driving) Apollo Advanced Intelligent Driving. At the same time, by the end of 2024, ASD can be used in places with Baidu navigation maps, which can be opened all over the country.

For the price of this ultra-high-level ASD smart driving package, the buyout price is 29,900 yuan, and the limited-time preferential price is 4,999 yuan. The latest monthly subscription price is 599 yuan/month, and all new and old car owners are given free ASD smart driving packages for three months.

In the intelligent cabin, Extreme Yue SIMO is also the first product on board to get involved in the ERNIE Bot model, and in the version 2.0 of Extreme Yue 07, its ability is further improved. Popular and easy to understand, it is more humanized.

SIMO of 2.0 has many abilities, such as curiosity exploration, role-playing, scene mode and so on.

For example, while driving, you can ask about the housing price of the neighborhood near SIMO, recommend an authentic "fly house", find a middle place to meet and chat with friends, etc., and play the role of tutor, car expert, raiders expert, etc., and also support 10000+ user-defined scene settings.

Finally, let’s take a brief inventory of the SKU of Extreme Yue 07 and the corresponding battery life.

In the three SKUs of Extreme Yue 07, three different batteries were used, namely 71.4kWh Ferrous lithium phosphate, 100kWh ternary lithium battery and 93.4kWh ternary lithium battery.

In the entry-level version, the battery life of the Extreme Yue 07 can reach 660km, which is longer than that of most entry-level models. From a practical point of view, it can really meet the battery life needs of most people.

At the same time, the basic version of Extreme Yue 07 is also equipped with high-level intelligent driving and intelligent cabin capabilities, and the goal of getting started is achieved.

And if you have higher requirements for battery life, then Extreme Yue 07 is equipped with a large battery of 100kWh on the long battery life version of 219,900, and the battery life has reached 880km, which is unique in the same level. This is my personal opinion, the most cost-effective version of Extreme Yue 07 among the three SKUs at present.

Top with 289,900 four-wheel drive +800V version, which is more suitable for players with high performance requirements.

It only takes 10 minutes to charge from 10% to 80%, and it can replenish 600km, which is equivalent to "1 km per second". The fastest charging rate is 5C, which is the fastest charging speed in the global production car!

In summary, I believe it should be clear to everyone how to choose Extreme Yue 07.

Consumer complaints become pain points. Internet platform selling insurance will face strict supervision.

Note: The bar chart is the top 10 insurance companies (unit: piece) with complaints about Internet insurance consumption in 2018.

　　On December 13th, some Internet insurance companies received the Regulation Measures for Internet Insurance Business (Draft for Comment) issued by the regulatory authorities on a small scale, which triggered a heated discussion in the industry. According to a survey conducted by Guangzhou Daily’s all-media reporters, Internet insurance has been questioned constantly, among which Beijing Huaxia Insurance Brokerage Co., Ltd. and Beijing United Insurance Brokerage Co., Ltd., which are wholly-owned by Headlines today, have attracted much attention. Yesterday, the Guangzhou Daily reporter learned about the questioning of relevant compliance from today’s headlines, and the headlines said that they would not comment.

　　Guangzhou Daily All-Media Reporter Chen Lili and Ni Ming

　　Phenomenon 1: The compliance of insurance sales on content platforms is questioned.

　　"Many third-party platforms get insurance brokerage licenses by acquiring insurance brokerage companies, thus getting involved in the insurance industry." An insurance expert who did not want to be named said that the compliance of such platforms to carry out Internet insurance business was questioned. The reporter found that there are three kinds of Internet insurance brokerage platforms at present: Internet intermediary channels, Internet scene channels and Internet traffic channels. Internet platforms have become the first type of enterprises to test Internet insurance.

　　The reporter found that there are more doubts about the compliance of content platforms selling insurance. Among them, today’s headline parent company Fujian ByteDance Technology Co., Ltd. acquired 100% equity of Beijing Huaxia Insurance Brokerage Co., Ltd., and after winning the insurance brokerage license, its business compliance has been questioned.

　　However, yesterday, the reporter searched for the "number one insurance" (the exclusive service insurance platform for headline users) on its APP platform. At present, more than 20 insurance products are in normal sale. Regarding the voices questioned by the outside world, yesterday’s headlines said that they would not comment.

　　The voice of doubt is unique. Xuzhou Business Department of Beijing United Insurance Brokerage Co., Ltd. was also warned by Jiangsu Supervision Bureau of China Banking and Insurance Regulatory Commission, China, and fined 20,000 yuan for compliance problems. As an insurance broker, when he undertook the business record account of personal accident insurance, a kindergarten student in a certain city in 2016-2017 and 2017-2018, more than 250,000 people failed to record the insured’s name, insurance amount, insurance premium delivery, etc., and after registering the "XXX Online" website with Jiangsu in October 2016, the insurance brokerage business was carried out through the above platform without the authorization and permission of Beijing United Insurance Brokerage Co., Ltd., and the relevant website was not on the website of insurance association of china.

　　Phenomenon 2: Internet insurance consumer complaints become a pain point

　　With the rapid development of Internet insurance, while providing consumers with convenient purchase methods, consumer complaints have also soared. In the first three quarters, the data released by China Banking and Insurance Regulatory Commission showed that Yi ‘an Property Insurance and Anxin Property Insurance were the first and second places where property insurance companies were suspected of violating laws and regulations, including 308 complaints against Yi ‘an Property Insurance, up by 30,700% year-on-year; There were 99 complaints about Anxin Property Insurance, up 4850% year-on-year.

　　The reporter found that the top 100 million premium complaints are still mostly professional Internet insurance companies, among which the top two complaints are Yi ‘an Property Insurance with 113.97 pieces/100 million yuan and Anxin Property Insurance with 69.62 pieces/100 million yuan.

　　According to the statistics of last year, in 2018, China Banking and Insurance Regulatory Commission and its agencies received 10,531 complaints about Internet insurance consumption, up by 121.01% year-on-year. Among them, 8484 property insurance companies were involved, up 128.25% year-on-year; 2,047 personal insurance companies were involved, up 95.32% year-on-year. It mainly reflects the problems of insufficient or ambiguous sales notification, unreasonable claims conditions, insufficient reasons for refusing compensation, bundled sales of insurance products, automatic renewal of insurance without consent and so on.

　　The public is worried: What should I do if the Internet platform runs away?

　　"It is really convenient to buy insurance on the Internet platform. What should I do if the owner of the Internet platform runs away?" For the concerns of many citizens, industry insiders admit that although consumers buy online insurance from the Internet platform, the insurance companies are the ones who finally underwrite, underwrite and settle claims.

　　The exposure draft has stricter regulatory requirements on the platform, defines the self-operated network platform and the third-party network platform, and makes it clear that the customer insurance page in the internet insurance business must belong to the self-operated network platform of insurance institutions, and it is clear that it can only be promoted but not sold, and the links need to jump, and customer information cannot be withheld.

　　Key factor: claim settlement becomes a concern.

　　"It is really convenient to buy insurance on the Internet platform, and the supervision is becoming more and more strict. I believe that the compliance issue will continue to improve, but it is really necessary to question whether the claims are reliable." People in the industry admit that online insurance, where the insured is located, has a branch of the corresponding insurance company. This situation is relatively simple, but if the insurance company is in a different place, or there is no local branch, then the time spent by the insurance company is difficult to guarantee.

　　The reporter learned that Yi ‘an Property Insurance was criticized by the regulatory authorities because of the limitation of claims. From June to August, 2019, China Banking and Insurance Regulatory Commission accepted 266 complaints about Internet insurance consumption that reflected the alleged violation of laws and regulations of Yi ‘an Property Insurance, which focused on the limitation of claims of Yi ‘an Property Insurance, involving 270 claims. After investigation, there was a problem that 234 claims were approved beyond the time limit. Specifically, Yi ‘an Property Insurance failed to approve the claims within 30 days after the consumer provided the claims certificate and materials, which violated the provisions of Article 23 of the Insurance Law. The average approval time of 234 overdue claims was 55 days, of which 180 claims were approved within 31-60 days, 42 claims were approved within 61-90 days, 7 claims were approved for more than 90 days, and 5 claims were not approved when they were investigated in China Banking and Insurance Regulatory Commission.

　　Consumer suggestion: Buy Internet insurance products through formal channels.

　　Faced with the current situation of internet insurance, the regulatory authorities believe that the purchase of insurance products through internet channels should be "three attentions". First, pay attention to channels, and consumers should pay attention to buying internet insurance products from formal channels such as online shopping malls of insurance companies and third-party network platforms that cooperate with insurance companies; Second, pay attention to qualifications. Consumers should pay attention to whether Internet insurance business operators have corresponding qualifications and do not buy products sold by unqualified subjects; The third is to pay attention to the products, to identify the authenticity of the purchased products, to read the insurance clauses carefully, and to fully understand the scope of protection and exemption of insurance products.

　　In addition, because it is quite convenient to buy insurance on the Internet platform now, the regulatory authorities reminded that it is clear that buying insurance requires "four looks". The first thing is to look at the demand, that is, to choose the right product according to your family situation and your life stage; Secondly, we should look at the products and buy the corresponding products according to the demand. We should not compare insurance with financial products such as bank deposits, government bonds and funds, let alone use it as a substitute for bank deposits. The third is to look at income. Life insurance premiums for more than one year are divided into one-time payment and installment payment. Consumers should consider choosing insurance products with appropriate payment methods. Generally speaking, the premium expenditure is between 5% and 15% of the annual income. Fourth, look at the terms, we must carefully read the contract terms, especially the coverage and exemption clauses of insurance products, and fully enjoy the risk protection function of insurance.

　　The insiders also reminded that it is best to contact the service platform first to report claims, and under its guidance, collect claims materials and submit them for review. In the case of different places, because it is impossible for insurance companies to go to the field for verification, they will generally recognize the identification of two institutions: the relevant certificates of the public security organs and the diagnosis certificate of the hospital.

Porsche’s new Macan is revealed! Released before the end of the year／Interior fully refurbished

The new car is expected to be officially released before the end of this year at the soonest, and is expected to go on sale in early 2024. The overseas market is expected to start at $80,000 (about 550,000 yuan). At the same time, the new car will also be introduced into the domestic market in the form of imports in the same year. The main competitors at the same level cover BMW iX3, Tesla Model Y Performance, Mercedes-Benz EQC, Jaguar I-PACE, Audi Q6 e-tron and other models.

Porsche's new Macan revealed before the end of the year/interior fully refurbished - Figure 1

Porsche's new Macan revealed before the end of the year/interior fully refurbished - Figure 2

Porsche's new Macan revealed before the end of the year/interior fully refurbished - Figure 3

Porsche's new Macan revealed before the end of the year/interior fully refurbished - Figure 4

As can be seen from the previously released road test spy photos, Porsche’s new Macan EV head is equipped with a closed grille unique to new energy models, and new dot matrix LED headlight sets are also provided on both sides. The rear part is expected to provide a through LED taillight set, and a liftable adaptive spoiler is also added above the tailgate, which is more sporty than competing models such as BMW iX3.

Porsche's new Macan revealed before the end of the year/interior fully refurbished - Figure 5

Porsche's new Macan revealed before the end of the year/interior fully refurbished - Figure 6

Porsche's new Macan revealed before the end of the year/interior fully refurbished - Figure 7

In terms of power, Porsche’s new Macan EV will be based on the Premium Platform Electric (PPE) platform architecture and equipped with a battery pack with a capacity of about 100kW · h, with a maximum output power of 450kW and a peak torque of 1000N · m. At the same time, the new car will also launch high-performance models for consumers to purchase in the later stage.In the interior part, the new car will be equipped with the latest family-style multi-function steering wheel, and is equipped with a larger LCD instrument and an embedded LCD central control screen. The lower part of the physical buttons have also been upgraded to a touch design.

How to use Xiaomi smart TV, how to use Xiaomi smart TV [detailed explanation]

　　With the development of smart TVs, many families have now replaced them with smart TVs with clearer pictures and more fashionable shapes. Xiaomi, smart TVs are also one of the more popular smart TV brands in the market. The resolution of Xiaomi TVs has reached the level of 1080p, and Xiaomi smart TVs also have high-tech functions such as Bluetooth, WiFi, DTS, Milian, etc.

　　Compared with many TVs on the market today, Xiaomi Smart TV is very cost-effective, and the configuration is also one of the best. The processor of Xiaomi Smart TV is a quad-core processor of Qualcomm Snapdragon, and the 2GB memory allows you to enjoy high-speed operation efficiency while watching TV. And Xiaomi Smart TV can also be connected to mobile tablets, etc., and the sound effect can also support the very popular Dolby sound effect. But how can Xiaomi Smart TV be used freely?

　　What should I do if I don’t know how to use Xiaomi Smart TV?

　　First of all, after purchasing the Xiaomi Smart TV and installing it, please upgrade the Xiaomi Smart TV system to the latest version according to the instructions. If you encounter some difficulties during use, you can find the "Xiaomi TV Manual" on the desktop of the Xiaomi Smart TV, where you can find the user’s guide.

　　Turn on and off of Xiaomi Smart TV.

　　If you want to use Xiaomi Smart TV, the first step to contact is the switch on and off of the TV. First, after plugging in the TV, the state of Xiaomi TV has entered the standby state. Then pick up the remote control, click the switch button on the remote control, or find the breathing light with the mi logo under the Xiaomi Smart TV, and gently touch it to realize the switch on and off. If not, you can press and hold the physical switch in the lower right corner of Xiaomi Smart TV to complete the switch on and off of the TV.

　　How to watch live on Xiaomi Smart TV

　　If you want to watch live broadcasts with Xiaomi Smart TV, it is actually very simple. As long as the user downloads the third-party video software APK in the software market, and then installs the software into the U disk, that is, the external storage, you can watch live TV. Can you receive more than 600 TV stations across the country?

　　How to choose HDMI, AV, VGA, and other modes

　　When one of the signal sources is connected to the Xiaomi Smart TV, the icon on the main interface of the Xiaomi Smart TV will be automatically lit, which means that the system will automatically select the signal source without manual operation.

　　Overall, the use of Xiaomi smart TVs is still very convenient, and there are also forums for Xiaomi smart TVs. If you want to find some tips for Xiaomi smart TVs, you can often visit the forums. The TV also has instructions for use. I believe users will be able to apply it easily soon.

Meta is hard and OpenAI, and the domestic ＂small model＂ official announces open source. Where is the ＂Hundred Models War＂ going？

　　Since the beginning of this year, the global Internet giants have set off a "hundred-model war", and Microsoft, Google, Baidu and Ali have come to the end one after another. After more than half a year of competition, technology giants are welcoming a new round of road disputes around the big model ecology: facing the parameter "ceiling", will the future of the big model be closed or open?

　　The open source model can run on a home computer.

　　On August 3rd, two open source models, Qwen-7B and Qwen-7B-Chat, were put on the domestic AI developer community "ModelScope", which were Alibaba Cloud Tongyi Qianwen’s 7 billion parameter general model and dialogue model respectively. Both models were open source, free and commercially available.

　　According to reports, Tongyi Qianwen Qwen-7B is a pedestal model that supports many languages such as Chinese and English, and it is trained on more than 2 trillion token (text unit) data sets, while Qwen-7B-Chat is a Chinese-English dialogue model based on the pedestal model, which has reached the cognitive level of human beings.In short, the former is like a "foundation" and the latter is a "house" on the foundation.

　　The actual test shows that the comprehensive performance of Qwen-7B model is good. Among them, on the English proficiency evaluation benchmark MMLU, the score is generally higher than that of the mainstream models with the same parameter scale, even surpassing some models with 12 billion and 13 billion parameter scales. On the Chinese evaluation C-Eval verification set, the model also achieved the highest score of the same scale. Qwen-7B model is also among the best in evaluating GSM8K in mathematical problem solving ability and HumanEval in code ability.

　　That is to say,In the tests of Chinese and English writing, solving mathematical problems and writing codes, Qwen-7B model is properly a "master of learning", and its score even exceeds the international mainstream model with the same parameter level.

　　Besides, the industry is more concerned about the usability of Qwen-7B model. As we all know, the training and operation of mainstream large models need special AI training chips (such as NVIDIA A100), which are not only expensive, but also as high as 10,000 — per NVIDIA A100; 15,000 dollars, and it is monopolized by countries such as Europe and the United States, and it is almost impossible to buy it in China.The domestic Qwen-7B model supports the deployment of consumer graphics cards, which is equivalent to a high-performance home computer to run the model.

　　Thanks to free commercialization and low threshold, the Qwen-7B model has been put on the shelves, which has attracted the attention of AI developers.In just one day, on the code hosting platform GitHub, the Qwen-7B model has been collected by more than a thousand developers, and most of the questioners are Chinese developers.As Alibaba Cloud said in the statement: "Compared with the lively AI open source ecology in the English-speaking world, the Chinese community lacks an excellent pedestal model. The addition of Tongyi Qianwen is expected to provide more choices for the open source community and promote the open source ecological construction of AI in China. "

　　Open source or closed?

　　In fact, Qwen-7B model is not the first big open source model. In fact, GPT-2, the predecessor of ChatGPT, is also completely open source. Its code and framework can be used for free on the Internet, and related papers can be consulted. However, after ChatGPT spread all over the world, OpenAI chose closed-source development, and the model codes such as GPT-3 and GPT-4 have become the trade secrets of OpenAI.

　　The so-called open source is open source code.For example, once the big model is declared open source, anyone can publicly obtain the model source code, modify it or even redevelop it within the scope of copyright restrictions. To make a simple analogy,The source code is like the manuscript of a painting, and everyone can fill in the colors according to the manuscript to create their own artistic paintings.

　　Closed source is just the opposite of open source.Only the source code owner (usually the software developer) has the power to modify the code, others can’t get the "manuscript" and can only buy the finished product from the software developer.

　　The advantages and disadvantages of open source and closed source are very obvious. After open source, the big model will undoubtedly attract more developers, and the application of the big model will be more abundant, but the corresponding supervision and commercialization will become a difficult problem, which is prone to the embarrassing situation of "making wedding clothes for others".After all, open source considers ecological co-prosperity, and it is difficult to figure out the economic account of how much money can be earned at this stage, and these problems happen to be opportunities to close the source.

　　Open source or closed source, this is a big model of life and death, the international giants have given the answer.

　　Meta, the parent company of Facebook, released the big model Llama2 last month, which is open source and free for developers and business partners, while OpenAI firmly chose GPT-4 closed source development, which not only can maintain OpenAI’s leading position in the generative AI industry, but also can earn more revenue. According to the authoritative magazine Fast Company,OpenAI’s revenue in 2023 will reach 200 million US dollars, including providing API data interface services and subscription service fees for chat bots.

　　Domestic big models have gradually begun to "go their separate ways".Alibaba Cloud’s General Meaning ModelAs early as April this year, it was announced to be open to enterprises, and the open source of Qwen-7B model will go further.ERNIE Bot of BaiduIt has also recently announced that it will gradually open the plug-in ecosystem to third-party developers to help developers build their own applications based on the Wenxin model.

　　In contrast, Huawei does not take the usual path. When the Pangu Big Model 3.0 was released, Huawei Cloud publicly stated that,Pangu modelThe full stack technology is independently innovated by Huawei, and no open source technology is adopted. At the same time, Pangu Big Model will gather numerous industry big data (involving industry secrets, etc.), so Pangu Big Model will not be open source in the future.

　　The big parameters are still small and beautiful.

　　In addition, the open source of Qwen-7B model brings another thought:How many parameters do we need a big model?

　　There is no denying that,The parameter scale of the large model is constantly expanding.Take the GPT model under OpenAI as an example. GPT-1 only contains 117 million parameters, and the parameters of GPT-3 have reached 175 billion, which has increased by more than 1000 times in a few years, while the parameters of GPT-4 have exceeded the trillion level.

　　The same is true of large domestic models. Baidu Wenxin model has 260 billion parameters, Tencent mixed-element model has reached 100 billion parameters, Huawei Pangu model has been estimated to be close to GPT-3.5, and ali tong Yida model has officially announced 10 trillion parameters … …According to incomplete statistics, there are at least 79 large-scale models with over 1 billion parameters in China.

　　Unfortunately, the larger the parameter, the stronger the capability of the large model. At the World Artificial Intelligence Conference, Wu Yunsheng, vice president of Tencent Cloud, has a very appropriate metaphor: "Just like athletes practicing physical strength, weightlifters need to lift 200 kilograms of barbells, and swimmers need to lift 100 kilograms. Different types of athletes don’t need everyone to practice 200 kilograms of barbells."

　　As we all know,The higher the parameters of the large model, the more resources and costs are consumed.However, it is not necessary to blindly pursue "large scale" or "high parameters" to deepen the vertical large-scale model of the industry, but to formulate relevant model parameters according to customer needs. For example, the BioGPT-Large model has only 1.5 billion parameters, but its accuracy in biomedical professional tests is better than that of the general model with 100 billion parameters.

　　Sam Altman, co-founder of OpenAI, also publicly stated that OpenAI is approaching the limit of LLM (Large Language Model) scale. The larger the scale, the better the model is, and the parameter scale is no longer an important indicator to measure the quality of the model.

　　Wu Di, the head of intelligent algorithm in Volcano Engine, has a similar view. In the long run, reducing costs will become an important factor in the application of large models. "A well-tuned small and medium-sized model may perform as well as a general large model in a specific job, and the cost may be only one tenth of the original."

　　At present, almost all domestic science and technology manufacturers have got tickets for big models, but the real road choice has just begun.

Find out the background of natural resources. The third national land survey was launched in Sichuan.


On February 28, 2019, Sichuan Province held the third national video conference on promoting land survey. Deng Gan


Pujiang carried out field investigation. (Photo courtesy of Pujiang County Planning and Natural Resources Bureau)

Land is the foundation of nature, the source of ecology, the key to production and the foundation of survival. Beautiful Sichuan, with a land area of 486,000 square kilometers, ranks the fifth in the country, with all landforms except the ocean. How many types of land are there in this vast land? How is the production and utilization? How to divide land ownership? These problems are closely related to our lives.

In October 2017, the State Council deployed and launched the third national land survey; In September 2018, the State Council decided to adjust to the third national land survey (referred to as "Three Tunes"). The purpose of carrying out the "three adjustments" is to comprehensively find out the national land and resources, comprehensively find out the current situation of national land use, comprehensively grasp the true and accurate national land basic data, improve the natural resources investigation, monitoring and statistics system, strengthen the socialized service of natural resources information, and meet the needs of economic and social development and natural resources management.

At present, the third national land survey in our province is taking the completion of county-level land survey and database construction by the end of May 2019 as the time node to implement the 100-day attack in accordance with the requirements of national unity. The unified data update will be carried out with December 31, 2019 as the standard time. Complete all tasks in 2020.

In the face of huge natural resources, how can Sichuan find out? How to touch it?

A

From "Land" Survey to "Land" Survey

Take the step of unified management of natural resources

According to the relevant requirements of the Land Administration Law of the People’s Republic of China and the Regulations on Land Investigation, China conducts a survey on the basic national conditions and national strength of land every ten years.

Before the "Three Tunes", China had conducted two national land surveys. The first time was a detailed land survey from 1984 to 1996; The second time was the land survey in 2007-2009. Based on the data of two detailed investigations and surveys, the data are supplemented and updated every year according to actual changes. Different from the previous two surveys, this survey was renamed, and the "land" survey was changed to "national territory" survey.

From "land" to "national territory", although it is only a word difference, it highlights the new characteristics of this survey. Behind the "renaming", it reflects the new strategy of the central government’s decision-making, implements the new tasks after the institutional reform, and promotes the new requirements of objectivity and authenticity. According to the institutional reform plan of the State Council and local people’s governments, the competent department of natural resources will be established to uniformly exercise the duties of the owner of natural resources owned by the whole people, and uniformly exercise the duties of controlling the spatial use of all land and ecological protection and restoration. Compared with the third national land survey, the classification of the third national land survey has undergone major changes, and a series of mergers and adjustments have been made. In particular, to meet the needs of building ecological civilization, wetlands have been regarded as first-class land types, and gardens have been adjusted to plantation land, and the first-class land types have increased from 12 to 13. The "three tones" emphasize the authenticity of the data more clearly, and clearly delete the order of determining the land types of "tillage, garden, forest and grass". In order to meet the needs of multi-sector overlapping management, the marking of patches (on the survey work map, land units with basically the same landform and land use type are divided into one category, and then the units are sketched on the topographic map to become patches) is innovatively implemented.

According to the relevant person in charge of the Provincial Department of Natural Resources, the transition from "land" to "national territory" has taken an important step in the transition of centralized and unified investigation of natural resources, laying a solid foundation for the unified exercise of the duties of the owner of all natural resources assets of the whole people and the unified exercise of all national land use control and ecological protection and restoration duties.

In fact, "three adjustments" is the first step of unified management of natural resources. "Only by laying a good foundation can we create conditions for development and utilization."

B

From "Jiulong Water Control" to "A Set of Data"

Find out the family background and lay the foundation for high-quality development

The "Three Tunes" is an important survey of basic national conditions and national strength after China’s development entered a new stage, which not only involves the construction of ecological civilization, but also relates to a series of natural resources conditions and basic judgments of national conditions and national strength for China’s second century struggle goal. "Carrying out the third national land survey is of great significance for thoroughly implementing the decision-making arrangements of the Third and Fourth Plenary Sessions of the Eleventh Provincial Party Committee, comprehensively promoting the high-quality development of the province and promoting the governance of Sichuan to a new level." The relevant person in charge of the Provincial Department of Natural Resources said.

This institutional reform has made it clear that the natural resources management departments should make unified plans for land and space, and uniformly control the use of all natural ecological spaces. Inconsistency in the basic data, coordinate system, planning period and control rules of previous spatial planning will be solved, and the division of space management rights will be more clear, so as to achieve non-stacked space control of a single national space and provide a solid foundation for drawing a blueprint to the end. The basic data for the compilation of land spatial planning depends on the "three tones".

From the perspective of ecological resources protection, the situation of land, water, woodland, grassland, wetland and other resources formed by the "three adjustments" will provide a basis for the overall protection, system restoration and comprehensive management of lakes and grasses in landscape forests and fields. Only by comprehensively finding out the ecological land conditions such as forest land, grassland and wetland in the whole province can we optimize the three boundaries of ecological protection red line, permanent basic farmland and urban development boundary, effectively implement the control of land space use, effectively carry out the action of greening the whole Sichuan, and promote the continuous improvement of ecosystem functions in the upper reaches of the Yangtze River.

From the perspective of high-quality economic development, finding out all kinds of land use conditions will provide a basis for scientifically compiling the province’s land spatial planning and better optimizing the pattern of land development. By reasonably determining the total amount, location and structure of land supply, we will continue to promote industrial transformation and optimization and upgrading, and further promote the supply-side structural reform.

Under the background of natural resources management reform, the work of "three adjustments" is very rich in content. "In the past, the current situation of land use was mainly investigated by the land department, the forest and wetland resources were investigated by the forestry department, the grassland resources were investigated by the agricultural department, and the water resources were investigated by the water resources department … The data and survey standards of various departments were different, resulting in data overlap and waste of administrative resources." The relevant person in charge of the Provincial Department of Natural Resources said that on the basis of the second national land survey and referring to the original survey data of forestry, agriculture, water conservancy and other departments, this survey broke the investigation mode of "Jiulong Water Control" and formed a bottom plate and a set of data.

To implement the unified national deployment and requirements, provinces, cities (prefectures) and counties (cities, districts) have set up the leading group for the third national land survey, headed by the main leaders of the government or leaders in charge, with the deputy secretary-general in charge and the main leaders of natural resources departments as deputy heads, and the leaders in charge of all relevant departments as members, and set up the leading group office and corresponding working groups, especially the technical guidance group, to promote the related issues to be handled resolutely in accordance with the "three adjustments" technical regulations.

C

From traditional means to "internet plus"

Top-level design of technology to realize data traceability management

On the basis of relevant national work requirements, our province, in combination with the actual situation, organized forces to pay close attention to the top-level design of technology, worked out the implementation plan and technical specifications, defined the objectives and tasks, work content, division of tasks among provinces, cities and counties, organization and implementation, technical methods, etc., and reported them to the Ministry of Natural Resources for the record. Unified production of the province’s transportation and water conservancy network, survey boundaries, control area and other basic control key data. Establish a provincial-level "Internet"+proof platform, and formulate management measures for indoor and outdoor verification of quality control of achievements in the province.

In order to make the statistical data more accurate, from June to August, 2018, the provincial "three-adjustment office" held nine training courses, with a total of more than 5,500 people trained and more than 4,400 social workers trained professionally. In order to test and strengthen the training effect, the training also specially arranged the examination link, and finally 3800 people passed the test.

Before the "Three Tunes" work was rolled out on a large scale, our province adopted the pilot method to try first. In addition to the national pilot of new land survey technology in Daying County, our province has also identified four provincial-level pilot demonstration areas and counties, namely Jinjiang District of Chengdu, Renhe District of Panzhihua City, Longmatan District of Luzhou City and Changning County of Yibin City, to carry out the work of "three adjustments" in an orderly manner. "The investigation work in these pilot demonstration areas and counties has played a good role in leading the demonstration and laid the foundation for the full implementation of the’ three adjustments’ work in the province." The relevant person in charge of the Provincial Department of Natural Resources said.

The survey base map is the basic data of the "three tones", which relates to the overall accuracy of the survey. To this end, our province organizes special personnel to regularly connect with the national "three-adjustment office" and the Provincial Surveying and Mapping Geographic Information Bureau, track and implement the production of survey maps, and collect and distribute them in time. At present, the achievements of all counties in the province have been obtained, covering nearly 486,000 square kilometers, including 3.653 million map spots, covering an area of nearly 53.815 million mu. The Provincial Department of Natural Resources also docked relevant units such as civil affairs, ecological and environmental protection, housing and urban construction, transportation, water conservancy, agriculture and rural areas, forestry and grass, surveying and mapping, railways, etc., and did a good job in collecting basic investigation data.

"Internet"+proof platform is the "secret weapon" of "Three Tunes" work. The "Three Tunes" adopts an achievement quality assurance system with "Internet"+proof platform as the core, which assists the interpretation of high-resolution remote sensing images, and the relevant departments of the state and province conduct internal verification through on-the-spot proof photos, which is highly reliable. At the same time, when the field investigators take photos at the scene, they correspond the information such as angles and coordinates with the field photos one by one, which ensures the authenticity and accuracy of the survey data.

Chengdu Qingbaijiang explores "three tones"

Make the survey detailed and the data solid

In mid-January, Longwang Village, Renhe Town, qingbaijiang district, Chengdu. The fog in the morning has not dispersed, and investigator Yan Quanlin has started a day’s work. Sichuan Chuanhe Surveying and Mapping Geographic Information Co., Ltd., where Yan Quanlin works, is responsible for the third national land survey in qingbaijiang district. It is normal for them to go to villages to check the land use situation.

This is a microcosm of the third national land survey in our province. How to do the investigation? What’s the use of investigation? This can be seen from the practice of this small village.

How? "Three adjustments" to the end, the verification does not leak a place.

Basemap is the basis of investigation, which is issued by the state. Based on the latest orthophoto image, according to the image characteristics, the land use types are interpreted patch by patch, and the land use patches are extracted, which is made with reference to the results of the 2016 land change survey database. In order to make the details clearer, Qingbaijiang invested more than 5 million yuan to carry out aerial photography of the whole area at a large scale of 1: 2000. "As small as a tree and a Zhang Shitou table, it can be reflected on the map."

According to the requirements of the "three adjustments", it is necessary to accurately find out the use type, area, ownership and distribution of each piece of land in urban and rural areas throughout the country and establish a land survey database. "What we have to do is to go to every household and truthfully reflect the current situation of land use." Yan Quanlin said.

In the field investigation, investigators will carry a tablet computer with them, which contains an electronic version of the base map, which has the function of positioning, can navigate for investigators, and can also sketch directly if they encounter inconsistent spots. "In the last round of investigation, because the base map was not clear enough, some houses were not seen on the map and were ignored, which caused great inconvenience to farmers." Liu Guanghai, deputy director of the Third Dispatch Office in qingbaijiang district, said that the district has set up leading groups for the Third Dispatch at all levels, and included village cadres in the contact list of the township "Third Dispatch" groups, and followed the investigators to visit the households to ensure that there were no omissions.

It is worth mentioning that, while carrying out the "three adjustments", qingbaijiang district further investigated and verified the collective land ownership, collective construction land use right (including homestead use right), contracted management right, agricultural land use right and forest right, and asked the villagers’ groups to investigate the collective land ownership, so as to lay a solid foundation for vector graphics management of natural resources in the whole region.

What do you think? In-depth publicity is known to everyone, and only by finding out the base can we revitalize resources.

"They often come to investigate, and we all know that they are welcome." In Longwang Village, the "Three Tunes" are not just propaganda documents posted in the village committee office, but major events that every household really cares about. With the cooperation of the masses, the work of "three adjustments" in Qingbaijiang ran out of "acceleration".

From the beginning of the "Three Tunes" work, the town called a meeting of village cadres to convey the connotation of the "Three Tunes" work to the grassroots in time and to fully explain the significance of the "Three Tunes" to rural development. Longwang Village has also held many meetings of members to popularize the knowledge of "Three Tones". Longwang Village is located in a deep hill with poor living conditions. "When there is a drought in summer, we have to drive to pull water up." Xiao Peng, director of the village, said that the survey showed that more than 90% of the villagers were willing to move to the foot of the mountain.

On January 16th, relevant people visited the village and found that every villager could say a few words about the meaning of the "three tones". In Xiao Peng’s view, a clear investigation of the base will lay a good foundation for the next implementation of the increase and decrease linked project. For villager Liu Weicheng, the significance lies in "finding out how wide the house at home is, and then moving to the community and calculating the compensation, it will be clear."

By increasing or decreasing linked projects, villagers will move to concentrated residential areas, which will change the production and living conditions and expand the development space of the village. "We intend to introduce social capital and build a rural tourism project." Xiao Peng said that only by making clear the stock in the village through investigation can the project be planned smoothly and lay a good foundation for rural revitalization. "The people are very supportive of this."

"Three Tones" Tips

A few days ago, the Office of the Leading Group for the Third National Land Survey in the State Council issued the Technical Questions and Answers of the Third National Land Survey, which sorted out 70 specific operational problems and treated the "intractable diseases" encountered in the survey. Some problems are selected here to provide reference for the work of "three adjustments"

1, the new cultivated land in the land consolidation project area, in the investigation whether according to the land consolidation project documents to determine the scope of cultivated land map?

Answer: The plots with cultivated land at present, whether it is land consolidation, farmers’ independent development or reclamation projects, should be investigated according to the field cultivated land scope, and the map boundary should not be determined according to the consolidation scope.

2. The field is irrigated land, which was originally managed according to paddy field. How to investigate?

Answer: For the paddy field survey of paddy-upland rotation, for the irrigated land used for a long time. If the investigation is irrigated land, evidence must be given on the spot.

3. How to investigate the map spots where the land use registered with the right is inconsistent with the actual use?

Answer: According to the actual situation, it is not allowed to investigate directly according to the approved use or planned use of land.

4. There are a large number of rural houses of 100 to 200 square meters in some areas. Is it allowed that the minimum area of construction land in some counties and districts is 100 square meters?

A: All provinces (autonomous regions and municipalities directly under the Central Government) can improve the survey accuracy of construction land in their own provinces (autonomous regions and municipalities directly under the Central Government) and reduce the minimum area index on the map, but the accuracy of the whole province (autonomous regions and municipalities directly under the Central Government) should be guaranteed to be uniform.

5. The cultivated land that has been abandoned for a long time is covered with shrubs, and the ridges of cultivated land are still clearly visible. How to investigate?

Answer: According to the current situation, it is forest land. If farming can be resumed after cleaning, the attribute "Farming can be resumed after cleaning" shall be marked.

6. How to investigate the villagers planting fruit trees on the land registered as cultivated land in the contract certificate?

Answer: According to the current investigation, it should be investigated as plantation land, and it should not be investigated according to the registered use of the contract.

7, within the scope of the village, the field for farming purposes, whether according to the facilities of agricultural land survey?

Answer: If livestock and poultry are raised centrally in a village, it shall be investigated according to the protected agricultural land; if it is within the scope of concentrated contiguous villages, it may be marked with the attribute of 203.

8. How to investigate the green land inside the factory? Answer: The green forest land and grassland in the completed factory are investigated according to the industrial land.

9. There are many kinds of land types (such as pits and ponds, weeds, woodlands, sporadic construction, etc.) in the map spots interpreted by the state according to images, and the field situation is complicated. How to investigate?

A: The information and scope of map classification provided by the state are for reference. According to the present situation on the spot, the map spots should be divided and the land types should be determined respectively if the minimum area on the map is reached; Those that do not reach the minimum area on the map are merged into adjacent land types. If it is inconsistent with the country’s interpretation of land types based on images, it is necessary to take photos and give evidence on the spot as required.

10. Can fields, roads, ditches, etc. be represented by single-line linear features?

A: No. Linear features such as roads, ditches and rivers that meet the above standards should be re-vectorized according to the field investigation results and image characteristics, and represented by patches. (Mi Fang Tan Wei)