Zhang Xiaohui, reporter of Economic Observer Network On January 5, 2024, Tiansheng Pharmaceutical Group Co., Ltd. (002872.SZ, hereinafter referred to as "()" or "Tiansheng Pharmaceutical") disclosed the progress announcement on receiving criminal judgment and litigation matters.

　　In December, 2023, criminal judgment [(2022) Yu 01 Chu Zi No.21] delivered by Chongqing No.1 Intermediate People’s Court (hereinafter referred to as "Chongqing No.1 Intermediate People’s Court") showed that Liu Qun, the controlling shareholder and actual controller of ST Tiansheng, was sentenced to 19 years’ imprisonment and Tiansheng Pharmaceutical was acquitted.

　　The actual controller was sentenced to 19 years in prison, which is rare among listed companies. ST Tiansheng said that the company obeys the judgment and does not appeal; Liu Qun appealed.

　　Sentenced to 19 years.

　　The announcement of Tiansheng Pharmaceutical on April 26, 2018 disclosed the details that Liu Qun was taken away at that time: "On Saturday evening of March 24, 2018, Li Hong, the then general manager of the company, signed the information with the words’ lien’ in the relevant authorities, and the information was taken away by the relevant departments."

　　It has been five years and ten months since Liu Qun was taken away by the relevant departments of Chongqing for investigation on March 24, 2018. The case of Liu Qun was quite complicated, which led to the dismissal of the directors of several 3A hospitals in Chongqing.

　　Liu Qun used to be the chairman of Tiansheng Pharmaceutical. In the latest judgment of Chongqing No.1 Intermediate People’s Court, he was charged with:

　　He was convicted of bribery, sentenced to 11 years in prison and fined 1.5 million yuan. He was sentenced to two years’ imprisonment and fined RMB 300,000. He was sentenced to 11 years in prison and confiscated his personal property of RMB 8 million. He was convicted of misappropriating funds and sentenced to seven years in prison. False litigation was sentenced to one year’s imprisonment and fined 200,000 yuan. Decided to execute a fixed-term imprisonment of 19 years, fined RMB 2 million, and confiscated personal property of RMB 8 million.

　　At the beginning of his arrest, Liu Qun was also "suspected of producing and selling counterfeit drugs".

　　In May 2019, more than a year after Liu Qun was put on file for investigation, the indictment of the First Branch of the Chongqing Municipal People’s Procuratorate showed: (1) The defendant Liu Qun and the defendant Tiansheng Pharmaceutical were suspected of bribery and bribery to the unit; (2) The defendants Liu Qun and Li Hong and the defendant Tiansheng Pharmaceutical were suspected of producing and selling counterfeit drugs; (3) Defendants Liu Qun and Li Hong are suspected of the crime of duty embezzlement and misappropriation of funds; (4) Defendant Liu Qun is suspected of false litigation’s crime.

　　The crime of "suspected production and sale of counterfeit drugs" quickly changed.

　　In December 2019, the Decision of the First Branch of Chongqing Municipal People’s Procuratorate on the Change of Prosecution (No.1 of the First Branch of Chongqing Inspection Institute [2019]) showed that the prosecution determined that the legal application of the nature of the production and sale of counterfeit drugs by the defendant Tiansheng Pharmaceutical and the defendants Liu Qun and Li Hong had changed, and they were no longer investigated for criminal responsibility for the crime of producing and selling counterfeit drugs.

　　In March, 2020, Liu Qun and Tiansheng Pharmaceutical received the first criminal judgment [(2019) No.68 of Chongqing No.1 Intermediate People’s Court], and the judgments were as follows: 1. Tiansheng Pharmaceutical, the defendant, committed the crime of bribery in the company and decided to impose a fine of RMB 3.8 million. 2. Defendant Liu Qun committed the crime of bribery of the unit, bribery of the unit, embezzlement of duty, misappropriation of funds and false litigation, and decided to execute 19 years’ imprisonment, and fined RMB 2 million and confiscated property of RMB 8 million. 3. The defendant, Liu Qun, was ordered to pay back RMB 91,824,926,000 which was occupied by Tiansheng Pharmaceutical. 4. The defendant Liu Qun was ordered to pay back the misappropriated RMB 33.25 million from Tiansheng Pharmaceutical. The case changed again during the trial.

　　In January 2022, Tiansheng Pharmaceutical said that the company received a criminal ruling from Chongqing Higher People’s Court, which ruled that: 1. The criminal judgment of Chongqing No.1 Intermediate People’s Court (2019) No.68 at the beginning of Chongqing 01 sentence was revoked. 2. Sent back to Chongqing No.1 Intermediate People’s Court for retrial.

　　Tiansheng Pharmaceutical and Liu Qun waited for the latest verdict in December 2023. Tiansheng Pharmaceutical was not guilty, and Liu Qun was sentenced to 19 years in prison again.

　　The rare crime "false litigation crime" was triggered by bribery.

　　Among Liu Qun’s many crimes, one "false litigation crime" is rare. According to the judgment obtained by Economic Observer Network, Liu Qun’s crime was caused by bribing Li Jianping, president of Nanchuan District People’s Hospital in Chongqing (which has been handled separately).

　　On March 27, 2017, the Chongqing Commission for Discipline Inspection disclosed that Li Jianping, deputy secretary of the Party Committee and president of Nanchuan District People’s Hospital, was suspected of serious violation of discipline and was currently under organizational review.

　　After Li Jianping was investigated, Liu Qun, then chairman of Tiansheng Pharmaceutical, who had a lot of business dealings with Nanchuan District People’s Hospital, quickly sought a lawyer to discuss the countermeasures.

　　It turns out that Liu Qun once paid a bribe of RMB 1 million to Li Jianping through his younger brother Li. In order to cover up the fact of bribery of 1 million yuan, Liu Qun recruited Li and lawyer Song, and made up an IOU between Chongqing Taihong Construction Engineering Co., Ltd. (hereinafter referred to as "Taihong Company") and Li, trying to turn the bribe of 1 million yuan into a false loan relationship.

　　Li issued an IOU, "I received RMB 1,000,000 Yuan only from Chongqing Taihong Construction Engineering Co., Ltd. (according to the payee: Li on December 5, 2016). And on March 15, 2017 (after Li Jianping was investigated), he paid the interest of 19,500 yuan in the first quarter to Taihong Company. Since then, Li has not paid the loan interest to Taihong Company.

　　After Li’s breach of contract, Liu Qun instructed Taihong Company to file a lawsuit against Li through the People’s Court of Tongnan District of Chongqing (hereinafter referred to as "Tongnan Court") and recover the "remaining money". Without knowing it, Tongnan Court made a judgment on September 27, 2017 to support Taihong Company to recover the arrears.

　　The case was protested by the First Branch of Chongqing Procuratorate in 2019.

　　The reason for the Chongqing prosecutor’s protest is that at the end of 2016, Tiansheng Pharmaceutical and Liu Qun (bribery crime has been dealt with) thanked Li Jianping, the former president of Nanchuan District People’s Hospital, for his help in Tiansheng Pharmaceutical’s business, and gave him a "benefit fee" of 2 million yuan. In March, 2017, Liu Qun learned that Li Jianping was investigated by the Chongqing Commission for Discipline Inspection (Supervisory Committee) for alleged violation of discipline, and was afraid that the fact of his bribery crime would be discovered. He arranged for Liao to draw up a plan, instigated Li to sign the false loan contract with Taihong Company, and arranged for Li to pay the quarterly interest payment from December 5, 2016 to March 4, 2017, and forged false loan repayment materials.

　　On May 8, 2020, Tongnan Court revoked the original judgment of this case and rejected the claim of Taihong Company. Tongnan court said in the judgment:

　　We believe that there is no real loan relationship between Taihong Company and Li in this case. In order to cover up the criminal act of Tiansheng Pharmaceutical Group Co., Ltd. and Liu Qun, the person in charge, bribed Li Jianping, Taihong Company and Li Mou maliciously colluded, fabricated facts, forged false loan relationship materials, and filed a lawsuit in our hospital, which constituted false litigation. This behavior not only hinders the order of social management, but also hinders the order of judicial trial, and harms the national interests and social public interests.

　　Finally, among many crimes, Liu Qun was sentenced to one year’s imprisonment for this false litigation crime.

　　Liu Qun not only paid bribes to Li Jianping, but also the directors of several 3A hospitals in Chongqing were dismissed. Besides Li Jianping, there were Ma Mingyan, former director of Dianjiang People’s Hospital in Chongqing, and Wang Xiaobo, director of Fuling Central Hospital in Chongqing. (For details, please refer to the Economic Observer’s June 2, 2018, "Tiansheng Pharmaceutical Case against Chongqing Pharmaceutical Anti-corruption Storm: Three senior executives have an accident and four hospital deans have been investigated")

　　In addition to the directors of these hospitals, Liu Qun also "corrupted" local party and government officials through bribery.

　　An article on the website of the State Supervision Commission of the Central Commission for Discipline Inspection on October 13, 2018 entitled "The circle of relatives, the circle of WeChat, the circle of fellow villagers, the circle of wine tasting … is keen on engaging in" small circles "and something will happen one day" shows that Hong Chengyi, the former deputy secretary of the Wanzhou District Committee of Chongqing, is keen on the culture of "circles". He "made relatives" with Liu Qun, the chairman of Tiansheng Pharmaceutical, and made his daughter recognize Liu Qun as "michel platini" Conniving at Liu Qun’s involvement in his family affairs, he not only directly lets him hold a birthday party for himself, but also takes Liu Qun back to his hometown in Xiushan during the Spring Festival every year, giving red envelopes and lucky money to his relatives and friends, and gradually becomes a "prey".

　　After Liu Qun’s accident, his son Liu Shuang, born in 1993, took over as chairman and general manager of Tiansheng Pharmaceutical. Since ST Tiansheng was acquitted, the company’s share price rose for four consecutive trading days from January 2, 2024, including two consecutive trading days. On January 8, ST Tiansheng’s share price fell to 5.64 yuan per share after rising, with a total market value of 1.794 billion yuan.

　　Despite this, the share price of ST Tiansheng is still 9.94% higher than before the disclosure of its judgment.

　　Liu Qun’s case has caused quite a shock among the officialdom, hospitals and pharmaceutical enterprises in Chongqing. Because Liu Qun appealed, the case is not over yet, and the reporter of Economic Observer Network will continue to follow up the report.

1905 movie network news　On November 30th, the film premiered in Beijing, with director Tung shing Yee and starring Kenny Lin, Jiang Yiyan, Jiang Mengjie, Caobin Gu and Wang Zhao. Kenny Lin reproduced the classic lines in Northeast dialect, while Tung shing Yee described the origin of cooperation with Tsui Hark. The film will be officially released on December 2.

　

The third young master is sitting in a high-end real estate.

　

Xie Xiaofeng, the third young master, is a famous successful person in Gu Long’s novels. He is famous as a teenager and handsome in appearance. He has a high-end real estate like Excalibur Villa, and there are countless gossip girlfriends. Kenny Lin, who plays Xie Xiaofeng, pointed to the two heroines, Jiang Yiyan and Jiang Mengjie, and said, "They are the only ones exposed at present." According to Kenny Lin, Murong Qiudi played by Jiang Yiyan hates him because of love, and the doll played by Jiang Mengjie is a friend in need. "If it is Kenny Lin, both girls should love it."

　

For Kenny Lin’s introduction, the two heroines also added. Jiang Yiyan said: "It’s a pity that Yan Shisan didn’t come today, otherwise I could ask him to help me kill Xie Xiaofeng." Jiang Mengjie said with a smile, "You said he was rich, but when I met him, he was poor, so I certainly didn’t like him for his wealth. Although it is a bit dirty, it can be seen after washing. "

　

Zhu Yeqing is a key figure in The Sword of the Third Young Master. As the name implies, Zhu Yeqing is elegant and full of fairy tales. He was born as a model in Caobin Gu who played Zhu Yeqing. He had no performance experience before. "Actually, I was picked up by Er Dao on the plane. He said that he saw my photo in a magazine on the plane, and then he sent me a private message on Weibo to find me. At first, I thought it was a liar."

　

Wang Zhao plays a hermit swordsman in the film. A few years ago, he played a drift in Tung shing Yee’s neutral colors. In "I am a passerby", Wang Zhao is a group performance who is cynical and lazy to sleep because of his handsome appearance. "Er Dao really changed my life. I dare not be lazy this time, otherwise I am really sorry for him."

　

Tung shing Yee’s third young master is only for Tsui Hark.

　

The Sword of the Third Young Master is a famous work by Tung shing Yee when he was a junior in Shaw. Before joining the group, Jiang Yiyan specially read the 1977 edition of The Sword of the Third Young Master: "At that time, my guidance was so tender!" Jiang Yiyan also said that after the cooperation, it was found that Tung shing Yee was actually the real version of Murong Qiudi: "It was really a heart-wrenching and extreme love. I thought I was a perfectionist. After seeing him, I found out that I was not. He was the real perfectionism."

　

After years of remaking his famous work in person, Tung shing Yee said: "I have no affection for the Third Young Master. My affection is to cooperate with two directors I admire most, one is Xu Anhua and the other is Tsui Hark. There are only movies in their lives, such as traveling or eating a good meal, and they don’t even think about it. " Earlier in Tung shing Yee, he had cooperated with Xu Anhua, and The Sword of the Third Young Master finally brought him together with Tsui Hark.

　

Tung shing Yee revealed that he was deeply shocked by Tsui Hark’s 3D shooting when he visited the class. "Many people are afraid that I will quarrel when I cooperate with Tsui Hark. In fact, this is not the case. Tsui Hark did not quarrel when he cooperated with Stephen Chow, nor did he quarrel when he cooperated with me."

When the new energy automobile industry entered the key node of intelligent electrification competition in the second half, FAW Pentium Automobile Co., Ltd. started to increase capital again, which was only two years after it was introduced into yueda Group in 2023 to complete the shareholding system reform.

As the core fulcrum of China FAW’s strategy of "doing its best, liberating and galloping", the transformation practice of FAW Pentium is a typical sample of new energy breakthrough of central enterprises. Through the "triple leap" of institutional mechanism reform, technical system reconstruction and capital operation upgrade, this car company with profound historical background is attacking the first camp of independent brands with a brand-new attitude, and its strategic transformation path provides a valuable paradigm for the industry.

System break: share reform activates innovation genes

The shareholding system reform initiated in 2023 injected market-oriented genes into FAW Pentium. By introducing strategic investors such as yueda Group, the enterprise has completed the transformation from "FAW Pentium Car Co., Ltd." to "FAW Pentium Automobile Co., Ltd." and built a modern corporate governance structure.

This reform brings not only the optimization of capital level, but also the revolutionary change of decision-making mechanism-the decision-making chain is shortened by 30%, the product development cycle is greatly shortened, the salary system introduces the excess profit sharing mechanism, and the stability of the core team is significantly improved.

Driven by equity diversification, FAW Pentium has shown amazing development momentum. In 2024, the brand sales reached 151,000 vehicles, a year-on-year increase of 25%, a ten-year high; In the first quarter of 2025, the penetration rate of new energy exceeded 73%, becoming the core engine driving growth. This transformation confirms the catalytic effect of institutional innovation on traditional automobile enterprises, and also lays the institutional foundation for the subsequent introduction of strategic investment.

Technological Breakthrough: Investing 10 Billion to Build Global Competitiveness

In the field of new energy technology, FAW Pentium has built a Yueyi serial product system covering the whole technology chain with the R&D investment of over 10 billion yuan for three years, forming four technical advantages covering the underlying architecture, powertrain, intelligent cockpit and ecological synergy. Its technological breakthrough is embodied in the following dimensions:

On the development level of vehicle platform, the newly-built cross-shadow architecture adopts the modular design concept, integrating five technical modules: ultra-light architecture, ever-changing comfort, smart energy efficiency, Starway chassis and rock safety. Through the extensible wheelbase adjustment mechanism, the rear seat space of the platform is increased by 15% compared with that of the same class. With the intelligent thermal management system, the battery performance can still be stable in the harsh environment from -35℃ to 60℃. The digital chassis adjustment technology realizes the roll control ability of 1.84 g/100 and compresses the braking distance to less than 36 meters, which significantly improves the dynamic performance of the vehicle.

The power system layout is diversified, and the daily powertrain provides three sets of technical solutions: pure electric, hybrid and extended range. BMP pure electric scheme is a combination of polar gull electric drive and armored battery, which has the leading comprehensive efficiency, safety and reliability at the same level, and can run zero failure for 600,000 kilometers. BMP Super Hybrid is equipped with China Top Ten Engine and Hybrid System in 2024. The thermal efficiency of the engine reaches 45.21%, and the comprehensive efficiency of the hybrid system reaches 92%.

A complete ecosystem has been built in the field of intelligent cockpit. The Ruyi cockpit based on FEEA3.0 electronic architecture integrates Huawei MDC810 intelligent driving chip and Horizon Journey 5 series AI processor to realize L2+ automatic driving function. Iflytek’s customized voice system supports accurate multi-tone recognition, and Volcano Engine’s AI model enables personalized interactive experience, and the response speed of the system reaches the flagship level of consumer electronics.

In terms of industrial synergy, FAW Pentium adheres to a more open development concept and works closely with Huawei, Contemporary Amperex Technology Co., Limited, Horizon and other enterprises to build an open, win-win and sustainable development ecosystem. This mode of "core self-research+ecological co-construction" not only ensures the dominant position in key technical fields, but also accelerates the transformation of technological achievements through industrial synergy, forming a unique technological competitive advantage.

Capital Empowerment: Strategic Investment Reconstructing Industrial Structure

This capital increase has focused on three dimensions: local production and investment, industrial chain partners and FAW strategic partners, and its strategic significance has far exceeded the capital injection itself, forming a multi-dimensional value creation system. Partners in key areas such as batteries, chips and intelligent driving are deeply bound through equity ties, and a three-dimensional ecological network of "vertical technical cooperation+horizontal resource complementarity" is built. For example, the strategic cooperation with Contemporary Amperex Technology Co., Limited in the field of power batteries and the collaborative innovation with Horizon in the level of smart driving chips are forming technical barriers that are difficult to replicate.

The channel resources carried by strategic investors inject strong momentum into market expansion. Referring to the industry benchmark case that Yancheng base was completed and put into operation 18 months after yueda Group took a share, the injection of new capital will accelerate the release rhythm of the annual production capacity of 400,000 vehicles in the North-South dual base.

In terms of brand value remodeling, capital empowerment is accelerating the iteration of product matrix: 565km cruising breakthrough is achieved with the positioning of 150,000 yuan, and the hybrid version creates a comprehensive cruising record of 2,000km. The flagship model is equipped with smart driving system, and a complete product pedigree covering A0 to B and the price range of 80,000-200,000 yuan is built.

Substantial progress has also been made in the construction of service ecology. Through the introduction of the policy of "Lifetime Warranty 2.0 for the whole vehicle and three power plants", FAW Pentium took the lead in realizing "equal rights in warranty" in the industry, and with the layout of 200 new energy exclusive exhibition halls, formed a closed-loop service covering the whole life cycle of products.

Looking forward to the future development, FAW Pentium is facing three strategic opportunity windows: at the technical iteration level, with the approach of the mass production node of solid-state batteries in 2026 and the popularization of NOA intelligent driving technology in cities, it is necessary to continuously strengthen the technological leading edge of "cross-shadow platform+daily power"; At the level of market structure change, the proportion of hybrid/extended range technology is expected to exceed 50%, and the first-Mover advantage of dual-mode power layout needs to be transformed into market share urgently; On the level of global layout, relying on the R&D layout of "two countries and four places" of China FAW, we can explore the "new internationalization" mode of transforming from product export to localized production and operation.

Opportunities and challenges coexist. Under the background of intelligent competition entering the "Infrastructure Year", how to keep the speed of technology iteration? How to copy past successful experiences? These all need to give systematic solutions at the level of strategic implementation.

Process TSMC 4NM TSMC 4NM TSMC 4NM CPU 1 x Arm Coretex-X2 @ 3.2Ghz

3 x Arm Coretex-A710 @ 2.85Ghz

4 x Arm Cortex-A510

5% performance boost

1 x Arm Coretex-X2 @ 3.05Ghz

3 x Arm Coretex-A710 @ 2.85Ghz

4 x Arm Cortex-A510

1 x Arm Coretex-X2 @ 3.2Ghz

3 x Arm Coretex-A710 @ 2.8Ghz

4 x Arm Cortex-A510 @ 2.0Ghz

10% faster CPU performance (vs SD8 Gen 1)

30% more power-efficient (vs SD8 Gen 1)

GPU Arm Mali-G710

5% performance boost (250fps)

Arm Mali-G710

Manhattan3.0: >235fpspeak

Adreno GPU

10% faster GPU clock speeds (vs SD8 Gen 1)

30% GPU power reduction (vs SD8 Gen 1)

Manhattan3.0: 276fps peak

AnTuTu 5% performance boost (1029000) >980K

(8GB RAM + 128GB UFS)

1120235

vs 985115 on (vs SD8 Gen 1)

　　The online trading mode of used cars makes car sources and buyers more concentrated, reduces the circulation cost and facilitates buyers and sellers, but at the same time, disputes over the sale of used cars also occur from time to time, which leads to litigation rights protection.

　　The evidence failed to prove that there was something wrong with the used car.

　　The claim cannot be supported.

　　■ Case replay

　　Zhao took a fancy to a second-hand car on a second-hand car trading platform, and signed the Purchase and Sale Deposit Agreement (that is, the car purchase format contract) with the owner Xu and the platform. The platform also issued the Re-inspection Report before the transfer, which showed that except for some external scratches, the vehicle’s power, steering, transmission, braking and other systems were temporarily normal. After picking up the car, Zhao wanted to transfer the vehicle to Chifeng City, Inner Mongolia, but it didn’t take long for him to get on the expressway to find that there was abnormal noise in the car. In order to prevent danger, he found that the front wheel bearing of the vehicle was cracked and the gearbox could not be upshifted, so he repaired the vehicle and replaced some accessories. In view of the maintenance cost, the after-sales staff of the used car trading platform said that this is not within the after-sales scope and will not be compensated. Zhao appealed to the court, arguing that the platform concealed the quality of the car condition and demanded compensation for maintenance costs of more than 10,000 yuan. After the court heard the case, all Zhao’s claims were not supported because the evidence could not prove the facts.

　　■ Judge’s statement

　　The court held that the parties should provide evidence of the facts they claimed. In this case, if Zhao claims that the vehicle involved has quality problems and the vehicle parts need to be repaired or replaced, he should provide evidence to prove it, otherwise he will bear the legal consequences of failing to provide evidence. The Maintenance Order submitted by Zhao did not specify the reasons for repairing and replacing the parts. Therefore, it is impossible to see that the necessary maintenance was carried out because of the damage of the vehicle parts, and it is impossible to see whether the repaired and replaced parts were broken before Zhao picked up the car or were damaged after going on the road. Zhao did not submit the corresponding payment bills to prove that he actually paid the maintenance expenses. Therefore, the court could not support Zhao’s claim.

　　When buying and selling second-hand cars, consumers must first confirm the condition of the car before paying the deposit. Before paying all the car purchase expenses, buyers must first confirm the condition and quality of the second-hand car they bought, the purchase period, whether it is an accident vehicle, and whether there are illegal acts that have not been dealt with. Secondly, if there are unreasonable terms in the format contract, such as expanding the transaction risk of one party, consumers have the right to request adjustments and modifications to the terms of the format contract. Finally, it is necessary to confirm the conditions and processes of providing after-sales service for used car trading platforms. If the second-hand car trading platform provides after-sales service for the vehicles purchased by the buyer, the platform is obliged to clearly inform them of the conditions and contents of providing after-sales service, as well as the repair reporting process and contact information, etc. If there are corresponding warranty cards and manuals, they should be issued to the buyer. If the vehicle is within the scope of after-sales service, the buyer shall report to the trading platform for repair according to the corresponding repair reporting channels and procedures.

　　Platform fraud car seller

　　The format clause was deemed invalid.

　　■ Case replay

　　Ms. Zheng spent 90,000 yuan to buy a used car through a used car platform, and the dashboard showed that the mileage of the car was 49,000 kilometers. In addition to signing a car purchase contract, the second-hand car platform also provides an unsigned Second-hand Car Inspection Report as an annex to the contract. When Ms. Zheng sent the vehicle to the 4S shop for testing, she found that the actual mileage of the vehicle had reached 98,000 kilometers six months ago. She believes that there is fraud in the platform and appealed to the court, demanding that the other party pay 100,000 yuan in compensation. The second-hand car platform believes that it is only an intermediary company, and the sales contract signed with the plaintiff Ms. Zheng is entrusted by the actual seller. Moreover, in the test report, it is clearly stated that "the mileage indicated in the test report is for reference only, and no commitment is made to the actual mileage." The court held that there was fraud in the second-hand car trading platform, and the clause in the test report issued by it was a format clause and should be considered invalid. The judgment supported all the claims of Ms. Zheng.

　　■ Judge’s statement

　　A standard contract refers to a pre-drawn contract for repeated use by the parties without consulting the other party when concluding the contract. According to the law, if the party providing the standard terms has the obligation to prompt and explain, it should draw the attention of the other party to the terms that exempt or limit its liability, and explain them according to the requirements of the other party. The standard terms that exempt the party providing the standard terms from the main obligations and exclude the main rights of the other party are invalid. In this case, the platform unilaterally exempted it from the real responsibility of guaranteeing the mileage of vehicles in the transaction, and did not provide evidence to prove that it had fulfilled its obligation of reminding or explaining, so the format clause was invalid.

　　Civil fraud refers to the act of deliberately telling the other party false information or deliberately concealing the true information in the process of establishing, changing and terminating civil rights and obligations, and inducing the other party to make a wrong representation. In this case, the second-hand car platform, as a brokerage company specializing in used motor vehicles, has the professional knowledge and detection ability related to vehicles, should know the important information of the vehicles sold by its company, and has the obligation to inform consumers of the real situation of the vehicles, but it fails to accurately inform consumers, which is a deliberate concealment of the real situation, deceiving and misleading consumers to buy the vehicles involved, which constitutes fraud. According to the provisions of China’s Consumer Protection Law, if a business operator commits fraud in providing goods or services, it shall increase the compensation for the losses it has suffered according to the requirements of consumers, and the amount of compensation shall be three times the price of the goods purchased by consumers or the cost of receiving services.

　　Buying a car has been delayed.

　　You have to pay for your actions

　　■ Case replay

　　The plaintiff Ding received a phone call from a used car salesman, saying that someone wanted to buy a Buick Excelle that he hung on the Internet. After many discussions, the final transaction price is 17,000 yuan, provided that the buyer Liu bears the violation of the vehicle. Subsequently, Ding should drive the car to a store. After checking the car, Liu decided to buy it. During the transfer procedures between the two parties, Liu drove the car away privately. Ding appealed to the court and asked Liu to assist in the transfer procedures. The used car trading platform and Liu compensated for the loss of 4,500 yuan. After trial, the court ruled that Liu assisted Ding in handling the vehicle transfer procedures and compensated the other party for a loss of 1,500 yuan.

　　■ Judge’s statement

　　In this case, both parties have clearly agreed that both parties shall go through the transfer formalities within 3 working days after the signing of the contract and the full payment of the transaction vehicle price. It is the obligation of both parties to handle the transfer of vehicles, and since the vehicles involved and related procedures have been delivered to Liu, Liu, as the buyer, should assist Ding to handle the transfer procedures. Because the vehicles involved in the case were not handled in violation of regulations, Ding was at fault in causing the dispute in this case. He said that there was no evidence to support the violation at that time, so the court decided on the proportion of its loss. The second-hand car trading platform only acted as an intermediary to facilitate Liu and Ding to reach a sales contract relationship, and had fulfilled their due contractual obligations. Ding asked him to bear the liability for breach of contract, which was unfounded in the law and the court did not support it.

　　What the judge needs to remind here is that both buyers and sellers of used cars and platforms should strictly abide by the contract, otherwise they will have to pay for their actions. In this case, the two parties have not gone through the transfer formalities, and Ding will hand over all the formalities of the vehicle and the car keys to the other party. He also bears certain responsibilities for the occurrence of the dispute and should bear the corresponding legal consequences.

　　(Author: Haidian District People’s Court, Beijing)

　　Source: China People’s Bank, wind information Cartography: Cai Huawei.

　　Preventing and resolving major risks is one of the three major battles in the decisive period of building a well-off society in an all-round way. Financial security is not only related to the overall economic situation, but also closely related to people’s lives. Especially in recent years, various emerging financial platforms and products have emerged in an endless stream. While solving the "pain point" of demand, new technologies and new means have also brought some hidden risks. Many financial security problems are emerging from people and gradually accumulating and expanding.

　　Starting from me, everyone is the first gatekeeper of financial risks by understanding financial knowledge, enhancing risk prevention awareness and cultivating a rational view of wealth. Starting from today, this newspaper launched a series of reports "Rejecting the financial risks around us", focusing on three areas that are closely related to daily life but also need to be regulated — — Consumer loan market, payment industry and internet insurance, introduce new financial products, rationally analyze possible hidden risks, explore ways to resolve risks, and make people’s financial life safer and more satisfactory.

　　Convenient and quick, refueling for consumption.

　　From high-end furniture, jewelry and antiques to digital products, refrigerators and televisions, consumer loans have supported the rapid development of the retail consumer market.

　　"In August this year, the whole family was preparing to travel abroad. At that time, it was just in time to pay the English training fee for the children. It cost about 70,000 to 80,000. Unfortunately, at that time, the money was a little tight, so I thought I could borrow some money." Xing Hui, an employee of a state-owned enterprise in Nanjing, finally chose a bank consumer loan with lower interest rate after comparing the products of banks and Internet financial platforms.

　　Because it was only a short-term emergency, Xing Hui borrowed it for one month, with a quota of 50,000 yuan, and the interest rate was three ten thousandths per day, so the annual interest rate was about 10%. "Maybe it’s because I had a good credit in the bank before, and the loan approval was particularly fast. Apply on mobile banking, and after a few hours, 50,000 yuan will arrive. " Xing Hui said. After the repayment, the bank called to show the consumption details, and Xing Hui photographed the payment voucher and sent it, which passed smoothly.

　　But recently, loans have not been so "loose". "I want to apply for short-term consumer loans these days, and I found that the bank’s pre-loan review is strict, and the materials required are more specific. Bank staff said that it is necessary to strictly review the use of loans at all levels to apply for consumer loans now. " Xing Hui said.

　　In addition to banks, consumers can also obtain loans from consumer finance companies, e-commerce platforms, Internet staging platforms and small loan companies. More and more young people are beginning to try new ways of consumer loans.

　　Wen Nie just graduated from school of visual arts, Shanghai, majoring in photography. During his internship at the TV station, Wen Nie had a wish to photograph the natural beauty of his hometown Shennongjia with drones. After comparing prices on various e-commerce platforms, Vinnie finally chose to buy a DJI UAV in 24 phases on an e-commerce platform, just in time for the interest-free activities of the platform, and the repayment for each phase was only 225 yuan.

　　"At that time, I could get an internship salary of more than 2,000 yuan per month, and the repayment pressure was not great, so I didn’t need to reach out to my parents for money. Now, I am used to buying various electronic products by installment, such as mobile phones and computers that I use now, all of which are bought in this way. " Vinnie said.

　　In recent years, consumption has replaced investment as the first driving force of economic growth, which is inseparable from financial support. According to the data of the People’s Bank of China, this year is 1-mdash; In September, residents added 1.49 trillion yuan of short-term consumer loans, which was 1.79 times that of last year. Consumer finance showed explosive growth. From high-end furniture, jewelry and antiques to digital products, refrigerators and televisions, there are corresponding financial services and products in various consumer fields.

　　"Residential sector loans include mortgage loans and consumer loans. In recent years, the financing balance of the residential sector has risen rapidly. By the end of 2016, the balance of residential mortgage loans in China was about 20 trillion yuan, and the balance of consumer loans was only five or six trillion yuan. Mortgage loans were equivalent to about four times that of consumer loans. In mature markets such as the United States, the debt balance of the residential sector exceeds that of the enterprise sector, and the proportion of mortgage loans and consumer loans is equivalent in the financing balance of residents. It is conceivable that with the development and upgrading of the consumer market and financial products in the future, there is still a lot of room for growth in consumer loans. " Ceng Gang, director of the Banking Research Office of the Institute of Finance of China Academy of Social Sciences, said that if the growth rate of 20% is predicted, the scale of China’s consumer credit will exceed 12 trillion yuan by 2020.

　　The down payment is not enough, and consumer loans come together.

　　Due to the differences in customer groups and risk control capabilities, the proportion of consumer loans provided by various financial and non-financial institutions may be higher.

　　While boosting people’s consumption, there are also many problems in the consumer loan market, such as numerous participating institutions, mixed fish and dragons, lax examination of the qualifications of lenders, and inadequate supervision of the amount and use. Coupled with the irrational consumption and borrowing of borrowers, consumer loans are transformed into "down payment loans" and "investment loans", which breeds potential risks.

　　At the beginning of this year, Chen Jing, an employee of a cultural enterprise in Beijing, wanted to change the school district for her children. Suddenly, the purchase restriction policy was introduced intensively, and Chen Jing panicked, fearing that the subsequent cost of buying a house would be higher and higher. The seller who talked about it also felt that he could not wait any longer, for fear that the house price would fall. Together, the two families decided to pay a quarter of the total price of the house as a down payment, and passed the house first.

　　I haven’t sold my house, and I have to pay millions of yuan for it. Where did so much money come from? Chen Jing pieced together several million yuan, and the remaining fund gap can only be solved by loans. "At that time, it was more convenient to apply for a loan from the bank. The bank saw that my previous credit record was relatively good, and quickly gave me a credit loan. The money was directly transferred to the account, and then I could control it freely. As long as the repayment can be made on time, the bank should not be too concerned about how to use the money. " Chen Jing said that the interest rate is acceptable, which is about 30% higher than the benchmark interest rate. "Now the mortgage has not been fully completed. When the mortgage and credit loan are paid together, the pressure is still not small, and it will cost about 40,000 yuan a month."

　　Chen Jing learned that in addition to this kind of loans directly transferred to the borrower’s account, some banks’ loans give the borrower a spending limit, which requires actual consumption behavior before they can be used. But this is not without a "flexible" approach, you can find a merchant to cash out, as long as you pay a certain handling fee.

　　"Now bank loans are much stricter, and it is difficult to get a maximum loan of 1 million yuan, which is basically about 300,000 yuan, and the interest rate has also risen a lot. Asked a few months ago, it is basically at least 40%. " Chen Jing learned that recently, it began to strictly investigate the flow of consumer loans, cracked down on down payment loans, and banks strictly controlled the misappropriation of personal consumer loans to purchase houses.

　　Looking at the unclear flow of consumer loans, we can’t just stare at banks. "There are also various types of financial and non-financial institutions that provide consumer loans, and there is also the possibility of entering the property market, and the proportion is higher. This year, the special rectification of Internet finance continued, and the number of platforms in peer-to-peer lending decreased, but the trading volume of platforms increased. The data shows that in the first half of the year, the national online loan turnover reached 1.93 trillion yuan, a year-on-year increase of 72.81%. At the same time, the loan balance of small loan companies reached 960.8 billion yuan in the first half of the year, an increase of 31.3 billion yuan over the beginning of the year, which was the first time in the past three years. Online lending platforms and small loan companies do not monitor the flow of funds, and the possibility of misappropriation of funds is high. There are also a few platforms and intermediaries that directly provide loan support for the down payment of house purchases. " Dong Ximiao, a senior researcher at Chongyang Financial Research Institute of Renmin University of China, said.

　　Different customer groups and different risk control capabilities also make risks more concentrated in the field of consumer loans outside banks. "Different consumer platforms serve different people and face different risks. The customers served by commercial banks have stable income, good credit records, rational consumption concepts and relatively controllable risks. And serving students, migrant workers, blue-collar workers, etc. ‘ Long tail crowd ’ The risk of consumer finance platform will be higher. Under normal circumstances, the platform’s risk control ability is insufficient, and the consumption scene is missing. It will choose to cover high risks with too high interest rates. The consequences of this will breed circular risks, causing long-term borrowing, borrowing new and returning old, and inappropriate collection methods. " He Fei, a senior researcher at the Development Research Department of Bank of Communications, analyzed.

　　Fill the gap and protect consumers.

　　Some platforms have insufficient information disclosure, and the interest rate is not high, but when all kinds of expenses are added up, the comprehensive cost is very high.

　　The risk can’t be underestimated, but the turbidity current is not mainstream. Risk trigger points such as loan misappropriation and excessive borrowing are not the main reasons for the rapid growth of consumer loans.

　　"The real reason for promoting the growth of residents’ short-term consumer credit scale is that in the process of consumption upgrading, the credit demand space of retail customers is gradually opened. With the rising income level of residents and the improvement of consumption and payment technology, people’s demand for consumer financial products will become stronger and stronger, and the consumer loan market and the retail market complement each other and promote each other. " Ceng Gang said, of course, we should also pay attention to the possible impact of excessive leverage in the residential sector.

　　The "melee" between financial institutions and non-financial institutions should be changed, and all kinds of institutions engaged in consumer loan business should be strengthened in supervision, and unified regulatory standards and requirements should be applied without discrimination.

　　"The sources of lending funds for many platforms are unclear and there is a risk of long-term lending, which implies that the flow of funds between platforms is quite frequent. Supervision must first find out the source of funds for platforms. Secondly, it is necessary to conduct in-depth investigation on the customer acquisition method, risk control and scenario expansion of a single platform, and eliminate and clean up a number of informal consumer finance platforms. And check the legality of all subjects in the consumer loan ecological chain, including the consumer loan platform itself, the Internet giants and other diversion platforms, personal credit reporting pilot institutions, third-party collection agencies, third-party data providers, etc., and severely crack down on interest collusion and illegal interest transfer. " He Fei said that we can learn from some foreign experiences, strengthen supervision, and strengthen legislation and market access mechanisms. In particular, it focuses on the access standard, licensed operation, interest rate ceiling setting, loan use limitation, platform exit mode, etc.

　　There must be comprehensive and perfect consumer protection laws and regulations. Ceng Gang introduced that in mature markets such as the United States, institutions engaged in consumer credit have higher entry barriers, and the regulatory rules concerning retail business are more stringent than those concerning public business. These countries think that the customers of retail business are less able to identify risks than companies and need protection more. On the contrary, the consumer credit market has developed relatively late and its scale is not large. Before, it focused more on protecting the interests of financial institutions and neglected the protection of lenders. In the future, with the continuous development of the consumer loan market and more and more people involved, it is even more necessary to fill the gap and escort everyone’s financial life with regulations.

　　"Now some platforms have insufficient information disclosure. The interest rate mentioned is not high, but when all kinds of expenses are added together, the comprehensive expenses are very high. " Ceng Gang said that some platforms use this way to induce consumers to borrow excessively, without making borrowers fully aware of the troubles and consequences that high interest rates may bring to themselves. In particular, minors, or students who are not deeply involved in the world, have a vague understanding of risks and are more likely to over-consume and over-borrow.

　　In the long run, we should speed up the construction of an honest society and improve the personal credit information system. He Fei said that at present, the construction of China’s credit system is still difficult to support the rapid development of the credit society, and the personal credit information system lags behind the development of credit, which leaves a loophole for illegal platforms. The regulatory authorities should cooperate with public departments, formal financial institutions, licensed consumer finance companies, large-scale Internet platforms, personal credit reporting pilot institutions, large-scale data companies, etc. to jointly promote data information sharing and market-oriented credit reporting system construction and support the development of consumer credit business.

　　For individual residents, they should borrow reasonably and control leverage according to their own economic ability. Dong Ximiao said that in general, the monthly repayment expenditure should be controlled below half of the household income, and it is best not to exceed one third.

　　Consumer finance company’s products have small single credit line and fast approval; Internet consumer finance embeds consumption scenes.

　　Where can I apply for a consumer loan? (Extended reading)

　　At present, the institutions engaged in consumer finance business in the market can be roughly divided into four categories: commercial banks, consumer finance companies approved by the China Banking Regulatory Commission, Internet consumer finance, including e-commerce platforms and Internet staging platforms, and other institutions such as small loan companies.

　　commercial bank

　　Commercial banks engage in consumer finance mainly through the following three forms: first, holding or participating in consumer finance companies; The second is to cooperate with various e-commerce platforms to realize the extension of consumption scenarios. The third is to independently launch credit products and build an e-commerce platform. Commercial banks have a huge customer base and massive user consumption data, so they can provide diversified innovative credit products through the analysis of customers’ consumption habits and credit ratings.

　　consumer finance company

　　Consumer finance companies are positioned as a supplement to traditional banks, mainly targeting low-and middle-income groups and emerging customer groups. Compared with banks, it has unique advantages and competitiveness because of its small single credit line, fast approval, no mortgage guarantee and flexible service.

　　The current business models of consumer finance companies can be divided into three categories. One is mainly based on offline channels; A main online and offline e-commerce model; There is also a category that positions itself as an Internet finance company.

　　Internet consumer finance

　　With the popularity of the Internet, the combination of the Internet and consumer finance is closer, and all aspects of traditional consumer finance activities have realized electronization, networking and informationization, greatly improving the efficiency of consumer finance. Compared with traditional consumer finance, Internet consumer finance has distinct characteristics: massive data support, enhanced user experience, and the embedding and penetration of consumer scenes to make up for the lack of traditional consumer finance in the segmentation field.

　　According to the report released by the National Finance and Development Laboratory, Internet consumer finance includes the following representative modes: one is the consumer finance of e-commerce platform, represented by Ant Financial, Jingdong Finance and Suning Finance; One is Internet consumer finance in market segments; One is the main installment shopping Internet consumer finance platform; One is the platform that focuses on mobile credit.

　　Other institutions

　　There are also some microfinance companies involved in consumer finance. Take AEON Group as an example, its microfinance company in Shenyang provides customers with installment payment services for durable consumer goods such as household appliances and furniture, which can achieve 30-minute approval, fixed monthly repayment, and no need for credit card or mortgage guarantee.

　　(Ouyang Jie, Song Chao Chai Jin finishing)

　　This time may be the most unpleasant New Year’s Eve for Mr. and Mrs. Zhu. On the afternoon of December 31st, last year, he went from Qingbaijiang to Chengdu Second Ring Expressway and got off at Guanghan North Toll Station of Chengmian Expressway. What puzzled him was that the toll was actually 37 yuan. "Second round is not free? How is the toll booth collecting my money? "

　　After discovering that there was a problem, Mr. Zhu refused to pay the toll. The couple stayed at Guanghan North Station for more than an hour, put the car at the toll booth and took a taxi to leave, only to pick up the car one day later. Mr. Zhu therefore asked the toll booth to apologize and compensate for the losses.

　　In this regard, the staff of Sichuan Chengmian Expressway Company said that the system problem led to overcharge, not that the toll station wanted to deliberately overcharge.

　　Second, I ran around for 14 kilometers to collect 34 yuan?

　　On the same day, after seeing "37 yuan" on the pricing display screen of Guanghan North Toll Station, Mr. Zhu couldn’t believe it: "A lot? That’s right. We didn’t collect any money when we came here by Jianyang (Second Ring Road) in the morning. We came here from the second ring road on Jintang Station in Qingbaijiang Chengxiang, and it’s impossible. " Mr. Zhu couldn’t help protesting.

　　In the video of driving recorder provided by Mr. Zhu to reporters afterwards, a woman who talked with Mr. Zhu responded: "Erhuan is now collecting money."

　　37 yuan’s toll, Mr. Zhu’s calculation is not correct: "Take the second round on the Qingbaijiang Castle, run to Chengdu-Mianyang Expressway, up to 14 kilometers, and Chengdu-Mianyang is 10 kilometers north of Guanghan. Then the 10 kilometers will be charged to 3 yuan, and the 14 kilometers around the second round will be as high as 34 yuan?"

　　Mr. Zhu called the complaint telephone number of Guanghan North Toll Station of Chengdu-Mianyang Expressway and the high-speed traffic police alarm telephone number 12122. "The former told me that there would be expenses for the second round. However, the staff of 12122 told us that there is no charge for the second round (currently), and we only need to pay the cost of the cotton section. " Mr. Zhu recalled. Chengdu Business Daily reporter inquired that according to relevant policies, the entire second ring road is temporarily free of charge.

　　Toll station call: System problems should only be given to 3 yuan.

　　"At that time, the toll booth staff at that place couldn’t solve it and refused to provide the leadership phone." Mr. Zhu called Sichuan Chengmian Expressway Company. "The company said they didn’t know, and told me to leave my phone number and wait for a reply. I waited for an hour and didn’t reply." During this period, Mr. Zhu said that he had asked the toll collectors if there was a similar situation before. "The staff told us that we had collected so many cars, so you had questions, and everything else was collected and left." Mr. Zhu said.

　　"After 7 o’clock, we didn’t get any reply, and no one told us to park next to it for processing. The family urged to go home for dinner, and the 110 alarm could not be handled. The police said that they couldn’t wait to lock the car and leave, so we parked the car at the toll gate and took a taxi home. " Ms. Peng recalled.

　　Mr. and Mrs. Zhu finally put the car at the toll booth and took 150 yuan to take a taxi home. Ms. Peng said that after returning home, at about 8 pm, the toll booth called and said that there was something wrong with their system. "It should only be given to 3 yuan. Let’s go and pay the toll and move the car." My home is about 40 kilometers away from the toll booth. "There were no cars that night, and they were asked to drive to pick us up, but they refused."

　　On the afternoon of January 1st, Mr. Zhu and his wife went to Guanghan North Toll Station again. "A staff member at the toll booth verbally apologized and asked me to pay the toll before leaving. I asked them to provide two free documents, and they were vague. "

　　On the same day, after paying 3 yuan the toll, Mr. Zhu and his wife drove home. "We are individuals, and we can’t afford this lost time, so we have to drive back reluctantly." Two trips back and forth, two days’ delay, the taxi fare alone cost 270 yuan, not counting the lost time. Mr. and Mrs. Zhu believe that the toll station should publicly apologize and compensate. (Reporter Yan Xue)

　　Chengmian Expressway: No similar situation has occurred before.

　　Yesterday afternoon, the Chengdu Business Daily reporter contacted Sichuan Chengmian Expressway Company. A staff member told the reporter that he did receive Mr. Zhu’s report about 37 yuan’s toll. "Because the Second Ring Road was just opened, it was indeed because the toll collection system was not updated before. So this happened. It was a system problem rather than a toll station deliberately wanting to collect more money." The staff also said that things have basically been solved, and she stressed: "This has definitely not happened before Mr. Zhu."

　　Yesterday, the reporter tried to contact the relevant person in charge of the company, but as of press time, he did not get a reply.

　　Cctv newsAccording to WeChat WeChat official account of Beijing Center for Disease Control and Prevention, on May 1 this year, we will have a five-day holiday! This also means that we will face high travel! Peak! Period!

　　At present, the epidemic situation in COVID-19 is still prevalent in different degrees in different parts of the world. The epidemic situation in our city and the whole country is sporadic, but Covid-19 has not disappeared, and its spread among people still persists. At the same time, some areas are also popular with infectious diseases such as influenza and dengue fever.

　　During the May Day holiday, the mobility of people increases. The more crowded the place, the more you can’t ignore health protection!

　　01

　　Go out to play and plan your trip in advance.

　　1 Go out to play and plan your trip in advance, make an appointment and travel at the wrong peak; Pay attention to the travel tips of relevant professional departments and understand the epidemic situation of diseases in destination countries and regions.

　　If you feel unwell, especially the elderly, pregnant women and special people with chronic diseases, it is recommended to ask a professional doctor to evaluate your health before deciding whether to travel.

　　3 If go on road trip needs to make a good travel strategy in advance to avoid fatigue driving.

　　02

　　Attention to personal hygiene

　　1. Develop good personal hygiene habits; Observe cough etiquette, pay attention to hand hygiene, pay attention to weather changes, and increase or decrease clothes at any time; In case of bad weather, try to reduce travel.

　　It is suggested that the elderly, infirm people and children should pay more attention to personal protection and try to avoid crowded and polluted places.

　　03

　　Wear a mask scientifically

　　1 situations or scenes where masks should be worn:

　　★ During the positive period of novel coronavirus antigen or nucleic acid detection.

　　★ During the period when fever, sore throat, cough, runny nose, muscle aches, fatigue and other suspected novel coronavirus infection symptoms appear.

　　★ When a cluster epidemic occurs in the community or school where you live, work or study.

　　★ When going to a medical institution for treatment, accompanying, accompanying or visiting.

　　★ When migrants enter places where vulnerable people are concentrated, such as pension institutions and social welfare institutions.

　　★ During the working period of public service personnel such as medical care, catering, cleaning and security in key institutions such as pension institutions, social welfare institutions and child care institutions, schools and off-campus training institutions.

　　2 When taking public transport, it is recommended to wear a mask when entering a closed environment and crowded places.

　　04

　　Pay attention to food safety when going out.

　　1 Be careful when eating during the journey, pay attention to food hygiene and drinking water hygiene, and don’t drink raw water. You should eat in a regular restaurant with a food business license. Advocate healthy lifestyles such as "public spoons and chopsticks" and "separate meals".

　　2 it is best to carry food with sealed packaging when dining outdoors; After opening the package, the food should be eaten as soon as possible, and do not eat foods and drinks that are spoiled and exceed the shelf life.

　　3 Do not pick and eat wild mushrooms and wild plants.

　　05

　　Take precautions to avoid mosquito bites

　　Attention should be paid to preventing insect bites and insect-borne infectious diseases during travel. Try to avoid sitting and lying for a long time in the main habitats of insects, such as grassland and Woods.

　　If you need to enter, you should pay attention to personal protection and wear long-sleeved clothes; Tighten your trouser legs or stuff them into socks or shoes.

　　06

　　Avoid close contact with animals.

　　Do not provoke strange pets such as stray dogs. Once bitten, you should go to the designated rabies vaccination clinic to thoroughly clean and disinfect the wound, vaccinate and inject anti-rabies immunoglobulin if necessary.

　　2 Try to avoid entering the habitat of wild birds and contact with dead livestock.

　　07

　　If you feel unwell, seek medical advice in time.

　　Pay close attention to symptoms such as fever, cough, diarrhea and rash, and go to a regular hospital in time when the symptoms get worse.

　　When seeing a doctor, wear a mask and tell the doctor about his travel history to help the doctor diagnose.

　　Tips

　　Different groups of people in our city

　　There is still a gap in the level of immunization in Covid-19.

　　In the previous epidemic, people who have not been infected and have not completed COVID-19 vaccine immunization still need to be vaccinated to improve their protection.

　　Studies at home and abroad show that three or more times of antigen stimulation, including virus infection, will produce better protective effect.

　　The protective antibody in human body decays with time. In order to improve the population’s group immunity to Covid-19 and fill the gap of immunity level among different populations, the following personnel need to be vaccinated with COVID-19 vaccine.

　　COVID-19 vaccination sites in all districts of Beijing can go to official website of Beijing CDC to check the information publicity of COVID-19 vaccination sites in all districts.

1905 movie network news Recently, Stephy, who plays Chen Ke in the play, has also been hotly discussed by netizens because of its popularity. In an interview recently, she also recalled all the things that she worked hard alone in Beijing. However, she did not use the word "drifting north", but chose the more kinetic "running north".

Stephy revealed that he had nosebleeds every day when he first came to Beijing, and once suspected that he had leukemia. It was also revealed that it was particularly like having a brand-name bag, but because it was not enough, I could only buy a fake bag. But in the end, through hard work, I bought the same real bag.

In response to the heated discussion about double eyelids, a response from Stephy of honest and frank was cut in Weibo before. She also admitted: "Double eyelids were cut when I was a freshman or a sophomore, that is, the technology was not as natural as it is now." Regarding the netizen’s suggestion to consider the adjustment of double eyelids, Stephy said: "If the makeup painting is good, it doesn’t need plastic surgery to assist, and makeup is particularly powerful. I just want to share my beauty products with you sometime. "

Our reporter Peng Yan

Recently, some banks have adjusted the transaction limit of non-counter channel payment. Many banks, such as Bank of Qingdao and bank of dalian, have successively issued announcements to reduce the total payment limit of some personal accounts through non-counter channels. Among them, Qingdao Bank adjusted the daily limit of some personal accounts to less than 5,000 yuan.

According to the reporter’s understanding, since last year, in order to ensure the financial security of customer accounts, a number of banks have successively adjusted the limits of some customers’ non-counter transactions. What is the specific limit and whether it is limited? Banks make different adjustments to different regions and different customers, depending on the actual use of personal accounts and relevant policies in the region.

According to the historical usage of customers’ bills, Qingdao Bank will take protective measures to reduce the total payment limit of some personal accounts in non-counter channels (including online banking, mobile banking, express payment, self-service teller machines’ ATM’ and consumer terminals’ ‘POS machines’). The so-called non-counter channel refers to the business that is not handled at the bank counter, including but not limited to the business handled through online banking, mobile banking, gateway payment, express payment, POS, ATM, etc.

The Securities Daily reporter called a branch of Qingdao Bank, and the bank’s counter staff said that reducing the total payment limit of some personal accounts in non-counter channels was mainly aimed at restricting transactions in personal bank accounts with no transactions for a long time and low account balance, and adjusting the daily limit to less than 5,000 yuan.

"The risk control for personal bank accounts is tightened mainly to reduce the risk of damage to users’ funds. Because many users have lost their bank cards or have not used them for a long time. " The counter staff of Qingdao Bank told reporters that if the user subsequently applies for raising the limit, the bank will set a reasonable off-counter payment limit after re-evaluation.

Wu Dan, a researcher at China Banking Research Institute, told the Securities Daily that this is an important way to prevent and control bank accounts. It is difficult to confirm the real trading intention of customers for large-value transactions in non-counter channels, and it is difficult for customers to recover once the transfer is successful, so it is necessary to improve the transaction monitoring measures. Identifying customers’ daily trading habits through technical means, conducting customer risk assessment in time, and imposing account restrictions on abnormal operations can effectively protect customers’ "money bags" and give them normal operations when the security signals are sufficient, which greatly improves the quality and efficiency of financial anti-fraud and anti-fraud work.

In recent years, banks have been strengthening the management of personal accounts, from clearing "sleep accounts" to "one-person excess accounts", and then upgrading to include bank cards with balances lower than those in 10 yuan into sleep accounts. In particular, since last year, a number of banks have launched the "broken card" action.

Xue Hongyan, vice president of Xingtu Financial Research Institute, told the Securities Daily that the bank’s adjustment of account limit is mainly based on the need to prevent telecommunication network fraud or anti-money laundering. It monitors the account payment and transfer in real time through the system model, and adjusts the trigger limit for abnormal accounts. In addition, some sleep accounts that have not been used for a long time may also be lowered by the bank and need to be reactivated at the counter.

Wu Dan said that it is equally important for banks to improve the convenience of customers’ transactions and ensure the safety of customers’ funds. It is necessary to continuously improve the ability of account risk prevention and control management, find high-risk account transactions in time and implement dynamic tracking to reduce the risks involved in related accounts.

Xue Hongyan said that banks should improve the recognition accuracy of the monitoring model; For the account that triggers the limit adjustment mechanism, more options should be given to remove the restrictions, especially allowing users to operate online, so as to reduce the time cost and transportation cost of counter application.