Jin Jing, a reporter from Jinyang. com, reported that recently, the Ministry of Culture and Tourism published the latest version of the List of National Intangible Cultural Heritage Representative Projects to be Protected. There are 14 intangible cultural heritages and their protected units in Foshan, including Foshan woodblock New Year pictures, paper-cuts (Guangdong paper-cuts) and lanterns (Foshan lanterns). The reporter learned from the office of Foshan Intangible Heritage Protection Center that the number of national intangible heritage projects from Foshan on this list is the same as before. In addition, the reporter also learned that Foshan has been awarded 15 national-level non-genetic inheritors, and 10 are currently alive.

Recently, the General Office of the Ministry of Culture and Tourism issued the Notice on Publishing the List of National Intangible Cultural Heritage Representative Projects Protection Units. According to the notice, this year, the Ministry of Culture and Tourism organized the inspection and adjustment of national intangible cultural heritage representative project protection units. According to this latest list, there are 14 national-level non-legacy projects in Foshan. They are: Shifan Music (Foshan Shifan), Dragon Dance (Dragon Dance), Lion Dance (guangdong lion), Cantonese Opera, Dragon Boat Rap, Foshan Woodblock New Year Pictures, Paper-cut (Guangdong Paper-cut), Lantern Festival (Foshan Lantern), Caizha (Foshan Lion Head), Shiwan Pottery Sculpture Skill, Mid-Autumn Festival (Foshan Autumn Colors) and Temple Fair (Foshan Ancestral Temple Fair) The reporter interviewed the office of Foshan Intangible Cultural Heritage Center and learned that the number of Foshan intangible cultural heritage projects and protection units that entered the "List of National Intangible Cultural Heritage Representative Projects Protection Units" remained the same as before.

The reporter learned from the office of Foshan Intangible Heritage Protection Center that Foshan has been awarded 15 national non-genetic inheritors, of which 5 have passed away and there are currently 10. At present, the average age of national non-genetic inheritors in Foshan is over 70 years old. "Although the national inheritors are older, Foshan has a pyramid-shaped inheritance echelon, as well as provincial inheritors and municipal inheritors. At present, there are 113 municipal non-genetic inheritors (excluding those who have been upgraded to provincial and national levels) and 40 provincial inheritors (excluding those who have been upgraded to national levels). " Zhang Xuelian, director of the office of Foshan Intangible Heritage Protection Center, said that Foshan’s non-genetic inheritors exist in all ages and have a relatively solid inheritance foundation.

Editor’s Note: In the spring of 2023, in the atmosphere of a good start, Zhejiang started a year full of hope, opportunity, pride, strength and surprise. Opportunities and challenges coexist, vitality and pressure coexist, Qian Qian’s tens of thousands of strugglers are ready to go, and the job market will blow the first spring breeze in 2023. Recently, Zhejiang Online specially launched a series of reports on "Fighting for the New Year", telling the story of job hunting in the New Year and reporting the new atmosphere of the job market in the new year.

　　Zhejiang Online February 2 (Reporter Chen Lei Weng Yujun) People are diligent and spring comes early. Just after the Spring Festival holiday in the Year of the Rabbit, there has been an upsurge of "fighting for the economy" all over the country. Talent is the first resource to fight for the economy. From online and offline job fairs, returning to work by chartered planes to going out for cross-provincial recruitment, in order to seize the opportunity of post-holiday recruitment of enterprises, all parts of Zhejiang have been active at the beginning of the new year, starting a "grabbing war". What’s the new trend in the recruitment market this year? Zhejiang online visit learned that compared with previous years, the recruitment treatment of enterprises has improved this year, and the recruitment methods are more diversified. Looking outward, cross-provincial recruitment has also started ahead of schedule, and a "spring breeze" of recruitment in the job market is blowing strongly.

　　Service industry job recruitment sings "leading role"

　　The recruitment treatment of enterprises has improved compared with previous years.

　　"If you are interested, I will give you contact information and then go to the enterprise." On February 1st, job seekers came to Hangzhou Human Resources Market, which is located in Hanghai Road, Shangcheng District, Hangzhou, to consult suitable jobs.

　　Cosmetic packaging operators are 6500 yuan/month, and Chinese medicine factories are decocting drugs for a total of 5500 yuan/month … … In the market hall, Wu Guilan, a staff member, searched quickly in his mind and recommended suitable positions to consultants. Having worked for more than 30 years, Wu Guilan not only has a good memory, but also is familiar with the large and small enterprises and posts in this city.

　　Wu Guilan said that recently, she has promoted more than a dozen offline job searches every day. "It is not the peak yet. Generally, migrant workers outside the province will basically return after the fifteenth day of the first month." Wu Guilan revealed that the main people who came to consult recently were migrant workers who stayed in Hangzhou for the New Year and returned from neighboring provinces such as Jiangxi and Anhui, while those from Henan, Yunnan, Guizhou and Sichuan were still on their way. In terms of jobs, the service industry is relatively short of manpower recently, and catering, hotels and other enterprises recruit more people.

　　Compared with previous years, in recent years, Wu Guilan’s business has gradually shifted to online. "Especially the younger ones prefer online consultation, and the older ones come to the lobby more."

Service center lobby Zhejiang online reporter Weng Yujun photo

　　At present, although the recruitment in the Spring Festival has not yet reached its peak, many recruiters at the scene mentioned that they felt the rising job market atmosphere. "From the situation I have noticed, the wages and benefits of enterprise recruitment have been relatively improved compared with previous years, and the monthly salary increase is around 100 yuan -500 yuan." Liu Chen, a staff member, observed that many enterprises are optimistic about the market recovery recently, and hope to recruit workers as soon as possible through appropriate salary increase. In addition, Liu Chen mentioned that after the liberalization of epidemic prevention measures, the procedures for applying for jobs were simplified and the recruitment efficiency was greatly improved because there was no need to check health codes and provide nucleic acid reports. Zhejiang online reporter learned from the human resources market in Hangzhou that at present, the positions of chefs, restaurant waiters and hotel room service in this market are in short supply.

　　Inter-provincial recruitment is in full swing

　　Zhejiang will go to other provinces to carry out 320 recruitment activities.

　　It is not only the local offline job fairs that are busy, but also the eyes outside the province. Another "grabbing war" is in full swing. On the first day of the new year, Hangzhou launched the first shot of "grabbing people" in inter-provincial recruitment, and organized more than 20 Hangzhou enterprises to go to Xiangxi, Hunan Province to carry out recruitment activities, attracting 1,100 people to apply for jobs, and initially reaching 416 intentions. Zhejiang Online reporter learned from Hangzhou Employment Management Service Center that in the first week of the Year of the Rabbit, the center has organized four teams to go to Hunan, Sichuan, Henan and other places for recruitment, with an average of 1-3 recruitment in each place, and the rest teams are still being dispatched.

　　"The competition is fierce. When we went to Sichuan this time, we met the recruitment team from other places, and everyone was robbing people." A leading staff member who has just returned from cross-provincial recruitment in Guangyuan, Sichuan, is deeply touched by this "grabbing war". In her view, this fully demonstrates everyone’s confidence in the current economic situation, and all localities are making every effort to ensure the employment needs of enterprises in the new year.

Photo courtesy of the interviewee at the special job fair held by Hangzhou in Guangyuan, Sichuan.

　　"This year’s inter-provincial recruitment is earlier than in previous years. During the Spring Festival, we are making preparations, and all localities have begun to fight for the economy. Everyone knows that people are the first factor." The relevant person in charge of Hangzhou Employment Management Service Center told Zhejiang Online reporter that Hangzhou organizes enterprises to go outside the province for recruitment every spring. This year, in order to seize the opportunity, Hangzhou communicated with recruitment enterprises and labor export places in advance, and after consultation, it rushed to the enterprise without stopping. "We have cooperated with Sichuan, Gansu, Henan and other labor exporting provinces before. In the first two years, there were many online contacts because of the epidemic. This time we went to face-to-face communication, and each team brought 10-20 companies." According to the person in charge, the enterprises that went out to recruit this spring are mainly manufacturing industries, and there are also many service industries. Among them, there is a big gap in operational positions, but the technical requirements are not too high. After employees are recruited, they can get on the job quickly through training. For example, on February 1st, the center organized 24 employment enterprises to attend the local labor cooperation job fair in Luoyang, Henan Province. The enterprises that went to recruit mainly concentrated in manufacturing, environmental protection technology, electronics, modern real estate, hotel management and other industries, and there was a great demand for employment, which will provide more than 3,000 jobs.

　　"From the current situation, the situation is more optimistic than in previous years. Some companies are willing to go out, and many people are willing to come over. The atmosphere of working hard will come up." The person in charge said that a series of inter-provincial recruitment actions have brought great confidence to enterprises. In her view, confidence is very important. When enterprises go out and see so many people coming up with it, they will be more motivated to win orders.

　　In fact, Hangzhou is not the only place to seize the opportunity of employment. At the beginning of the new year, Zhejiang began to organize enterprises to recruit workers across provinces intensively. Zhejiang online reporter noticed that on January 28th (the seventh day of the first month), the first day of the Spring Festival, the Zhejiang Provincial Department of Human Resources and Social Security organized 67 enterprises from Hangzhou, Ningbo, Wenzhou and Huzhou to go to Sichuan to participate in special job fairs, creating more than 11,000 jobs and attracting more than 2,300 people to reach initial employment intentions with employers. Next, Zhejiang will also organize enterprises to go to other provinces to carry out 320 online and offline recruitment activities, which will blow the spring breeze of employment further and wider.

　　Beijing, May 10 (Reporter Zhang Ni) Recently, the National Medical Insurance Bureau and the Ministry of Finance formulated and issued the Notice on Doing a Good Job in Basic Medical Security for Urban and Rural Residents in 2019. According to the Notice, the per capita financial subsidy standard for medical insurance for urban and rural residents in 2019 was added to 30 yuan, reaching a level not lower than that of 520 yuan per person per year.

　　In addition, the Notice also requires reducing and unifying the deductible line of major illness insurance, and realizing the parallel operation of the basic medical insurance for urban residents and the new rural cooperative medical system by the end of 2019.

　　The per capita financial subsidy for medical insurance for urban and rural residents reaches 520 yuan.

　　The "Notice" proposes that in 2019, the per capita financial subsidy standard for medical insurance for urban and rural residents will be increased by 30 yuan, reaching no less than 520 yuan per person per year, and half of the new financial subsidies will be used to improve the ability to guarantee major illness insurance (15 yuan will be added to the per capita financing standard in 2018); 30 yuan will be added simultaneously for individual contributions, reaching 250 yuan per person per year.

　　According to the introduction of the National Medical Insurance Bureau, the medical insurance for urban and rural residents is based on the combination of individual contributions and government subsidies, and the fixed financing method is implemented. In recent years, governments at all levels have continuously raised the per capita financial subsidy standard for residents’ medical insurance, from 40 yuan in 2007 to 490 yuan in 2018, which has played an important role in reducing the payment burden of insured people.

　　However, with the natural increase of consumer price index and the wide application of new medicine and technology, medical expenses have increased rapidly year by year, and the financing standard of medical insurance for urban and rural residents needs to be adjusted reasonably to support the long-term and stable play of institutional functions.

　　In order to ensure the people to share the fruits of reform and development and steadily improve the level of medical insurance benefits for urban and rural residents, the Notice implements the policy requirements of benefiting the people in the 2019 Government Work Report, and clarifies that the per capita financing standard for medical insurance for urban and rural residents will be improved in 60 yuan in 2019 as a whole, in which 30 yuan will be added to the financial subsidy standard, reaching no less than 520 yuan per person per year, and half of the new financial subsidies will be used to improve the ability to support major illness insurance, that is, 15 yuan will be added to the per capita financing standard in 2018; 30 yuan will be added simultaneously for individual contributions, reaching 250 yuan per person per year.

　　The proportion of reimbursement for serious illness in basic medical insurance for urban and rural residents has increased to 60%

　　According to the "Notice", all localities should make good use of the new funds raised by urban and rural residents in the annual medical insurance to ensure that the basic medical insurance benefits are in place. Consolidate and improve the reimbursement ratio of hospitalization expenses within the scope of the policy, establish and improve the overall planning and payment mechanism of medical insurance outpatient expenses for urban and rural residents, and focus on ensuring frequently-occurring diseases and chronic diseases with heavy burdens on the masses.

　　The "Notice" proposes to include outpatient drugs such as hypertension and diabetes in medical insurance reimbursement, and the specific plan shall be formulated separately. The implementation of individual (family) accounts should be cancelled before the end of 2020, and a smooth transition should be made to the outpatient department; If the personal (family) account has been cancelled, it shall not be restored or set in disguise.

　　In addition, the Notice also emphasizes the need to improve the protection function of major illness insurance. Reduce and unify the deductible line of serious illness insurance, which is determined in principle by 50% of the per capita disposable income of residents in the previous year. If it is lower than this ratio, no adjustment may be made; The reimbursement rate within the policy scope is increased from 50% to 60%; We will increase the tilt of the payment of serious illness insurance to the poor, reduce the deductible for the poor by 50%, increase the payment ratio by 5 percentage points, and completely cancel the capping line of serious illness insurance for the poor, further reducing the medical burden of seriously ill patients and people in need.

　　Realize the parallel operation of urban and rural medical insurance by the end of 2019.

　　The Notice issued this time also clarifies that in areas where the basic medical insurance for urban residents and the new rural cooperative medical system have not been fully integrated and unified, it is necessary to realize the transition from the parallel operation of the two systems to a unified medical insurance system for urban and rural residents before the end of 2019.

　　In the process of system unification, it is necessary to consolidate the coverage of medical insurance for urban and rural residents, ensure that the participation rate is not lower than the existing level, and the participation rate is continuous and stable, so as to ensure all coverage; Improve the registration and payment methods for newborns, children, students and migrant workers, and avoid repeated insurance; There are other medical security system arrangements, which are not included in the coverage of medical insurance for urban and rural residents; Properly handle special issues and policies, do a good job of policy convergence before and after system unification, stabilize the expectation of treatment, and prevent the tendency of pan-welfare.

　　The Notice requires that all localities should focus on the uncoordinated and inadequate development of medical insurance for urban and rural residents, combine the integration of medical insurance-related functions, and unify the handling of services and information systems on the basis of ensuring the "six unifications" of coverage, financing policies, security benefits, medical insurance catalogue, fixed-point management and fund management, further improve the quality and efficiency of operation, ensure the comprehensive establishment of a unified medical insurance system for urban and rural residents, and achieve a more perfect system, fairer security and more sustainable funds.

In the government work report in 2018, the concern about energy and environmental protection was mentioned in a significantly important position. In energy-related fields, "ecology" is the key word with the highest frequency, with a total of 16 occurrences, followed by "energy" with a total of 7 occurrences, followed by "new energy vehicles" with three occurrences, "energy consumption" with two occurrences, "green development" with two occurrences, "environmental protection" with two occurrences, and "clean energy". These data are enough to show that the government attaches importance to energy and environmental protection.

In the government work report, we first reviewed the achievements made in the field of energy and environmental protection in the past five years. Among them, the energy consumption and water consumption per unit GDP decreased by more than 20%, the days of heavy pollution in key cities decreased by half, the discharge of major pollutants continued to decline, the forest area increased by 163 million mu, and the area of desertification land decreased by nearly 2,000 square kilometers annually. The "blue sky defense war" has achieved remarkable results. The number of blue sky days in Beijing is gradually increasing, and green development has achieved a good situation. The government work report also puts forward the target path and requirements for governance in the field of energy and environmental protection in 2018. On the whole, the 2018 government work report has the following five highlights in the field of energy and environmental protection:

Closely combine energy and environmental protection.

The main development goal in 2018 is in the field of eco-environment. In the government work report, the requirement of "energy consumption per unit of GDP will be reduced by more than 3%" is added, which reflects China’s determination to realize the commitments made at the Paris Summit. After Trump withdrew from the Paris Agreement on behalf of the United States, China and France set off the banner of environmental protection. According to the calculation of relevant experts, if we can achieve this goal in 2018, China will achieve the goal of 40-45% reduction in 2020 compared with 2005 promised by the Paris Summit ahead of schedule.

This close combination of energy and environmental protection is also reflected in the adjustment of industrial structure and the development of new energy vehicles as an important means of environmental governance. According to the government work report, this year, the steel production capacity will be reduced by about 30 million tons, the coal production capacity will be withdrawn by about 150 million tons, and the coal-fired generating units below 300,000 kilowatts that fail to meet the standards will be eliminated.

In terms of new energy vehicles, the government work report proposes to expand the opening up of the field of new energy vehicles, extend the preferential purchase tax policy for new energy vehicles for another three years, and completely cancel the restrictions on the movement of used cars. At the end of 2017, German media said that by 2020, China will add 4.8 million electric vehicle charging piles. According to the estimation, every electric car on the street in China will have a charging pile to use. By 2020, there will be 5 million new energy vehicles (pure electric vehicles and hybrid vehicles) driving in China.

The goal is quantified clearly, and the actions and policies are improving day by day.

The government work report puts forward clear quantitative indicators for the ecological and environmental protection goals to be achieved in 2018.

In the field of air pollution prevention and control, the government work report proposes that the emissions of main pollutants such as sulfur dioxide and nitrogen oxides will drop by 3%, and the fine particulate matter (PM2.5) in key areas will continue to decline. The main supporting policies are: promoting ultra-low emission transformation in steel and other industries; Improve pollution discharge standards and implement the deadline to meet the standards; Carry out special treatment of excessive emission of diesel trucks.

In the field of water pollution control, it is proposed in the government work report that chemical oxygen demand and ammonia nitrogen emissions will drop by 2% in 2018; Implement comprehensive management of key river basins and sea areas to comprehensively rectify black and odorous water bodies; Strengthen the construction of sewage treatment facilities and improve the charging policy.

The importance of system construction in the field of energy and environmental protection is emphasized.

The government work report pointed out that it is necessary to improve the ecological civilization system, reform and improve the ecological environment management system, strengthen the control of natural ecological space use, implement the ecological environment damage compensation system, improve the ecological compensation mechanism, and protect the ecological environment with more effective systems. The reform and improvement of these systems will not only play a major role in promoting the work in the field of energy and environmental protection in 2018, but also have a major impact on the energy and environmental protection work in the next decade, even dozens.

Added a statement that "foreign garbage" is strictly prohibited from entering the country.

From January 1, 2018, China banned the import of "foreign garbage", including 24 kinds of solid wastes such as waste plastics, paper, waste slag and textiles. According to the Implementation Plan for Prohibiting Foreign Wastes from Entering China and Promoting the Reform of Solid Waste Import Management System, which was deliberated and adopted by the Leading Group for Comprehensive Deepening Reform in the Central Committee of the Communist Party of China on April 18th, 2017, not only solid wastes with great environmental hazards are completely banned, but also the import of solid wastes that can be replaced by domestic resources will be gradually stopped before the end of 2019.

This year’s government work report specifically proposed to ban "foreign garbage", which shows that the China government attaches great importance to this work. China imported "foreign garbage" originally to alleviate the shortage of industrial raw materials, but these foreign garbage have aggravated the air pollution, water pollution and soil pollution in China, and even endangered the health of relevant employees, which has become one of the important components of environmental pollution. Therefore, in order to further strengthen environmental pollution control, the China Municipal Government strictly prohibited the entry of "foreign garbage".

From March to December 2018, the national customs organized the "Blue Sky 2018" special campaign to crack down on the smuggling of "foreign garbage".

Once again, the ecological red line is clearly emphasized.

In the government work report, it is proposed to strengthen the protection and restoration of the ecosystem, comprehensively delineate the red line of ecological environmental protection, and put forward supporting policies and quantitative assessment indicators, including completing afforestation of more than 100 million mu, increasing the pilot area of cultivated land rotation to 30 million mu, expanding the scope of wetland protection and restoration, and deepening the pilot reform of the national park system.

Ecological red line refers to the area that needs special protection according to the protection requirements of ecosystem integrity and connectivity in order to maintain national ecological or regional ecological security. Industrialization and urbanization development are prohibited in the included areas.

The expression of the ecological red line in the 2017 government work report is to delimit and strictly observe the ecological red line. This year’s government work report is to delimit the ecological red line in an all-round way, which reflects the further increase in the work of the ecological red line.(Professor, Doctoral Supervisor, School of Environment, Renmin University of China, Deputy Director of Eco-finance Research Center. Blue rainbow)

　　[car home Information] A few days ago, we learned from foreign media that Dodge executives said that Charger Daytona was scheduled to be officially released on March 5. As a brand-new muscle sports car, this car will become the current Dodge Challenger and the successor model of (|). The car is expected to be equipped with pure electric and plug-in hybrid power. The plug-in version will be equipped with a 3.0T inline 6-cylinder engine with a maximum power of 426 HP and 548 HP. Pure electric vehicles will have three kinds of power: 408 HP single motor, 680 HP dual motor and 897 HP dual motor. The maximum cruising range of pure electric vehicles is expected to reach 805km.

　　Looking back at the previous spy photos, although the new car is called Charger Daytona, as a coupe, it is still closer to the positioning of the current challenger. The new car still adopts a square design, and the raised muscle lines make it look quite powerful. The new car will adopt a penetrating LED strip, exaggerated front lip and various aerodynamic design blessings to make it full of combat attributes.

　　The design of the rear part echoes the front face, which continues the design style of the current challenger as a whole. A large number of horizontal lines give it a wider visual effect, and the new car will be equipped with a rear spoiler. The taillights are not lit, but you can vaguely see that the car adopts the design of penetrating taillights.

　　In terms of power, the car adopts STLA Large platform, which supports pure electricity, fuel and hybrid power, and can be equipped with battery packs with rated capacity between 85kWh and 118kWh. The maximum cruising range of pure electricity can reach 805km. The plug-in version will be equipped with a 3.0T inline 6-cylinder engine with a maximum power of 426 HP and 548 HP. The pure electric vehicle will have three kinds of power: 408 HP single-motor rear drive, 680 HP dual-motor four-wheel drive and 897 HP dual-motor four-wheel drive, and will be equipped with 800V high-voltage system. The acceleration time of the 897 HP version from 0 to 96 km/h will be less than 2 seconds. In addition, a fuel model may also be introduced, and Dodge said that the car will have nine power options. (Source: carscoops；; Text/car home Yan Huan)

　

　　After the press conference, Chen Conghui, the leader of the 4th Expedition Team of Haidian District Court (Litigation Service Center), was interviewed by the reporter. Kang Dacheng

　　In recent years, loan chaos such as "beheading interest", "routine loan" and deliberately concealing the real interest rate have emerged one after another. How to identify the joint debt of husband and wife in credit consumer loan disputes? Should the handling fee deducted in advance by the lender be included in the principal amount? How can the people’s courts play the role of trial function and realize accurate and effective prevention and control of the source of financial risks? Recently, the Haidian District People’s Court of Beijing issued a typical case of financial disputes over credit consumer loans, which clarified these issues.

　　Joint debts of husband and wife require proof from creditors.

　　On August 18, 2017, Chen Mou (the borrower) signed a Maximum Creditor’s Rights Contract with a bank (the lender), stipulating that the bank intends to provide Chen Mou with a credit line with a maximum creditor’s rights of 300,000 yuan continuously during the five-year credit period, which will be used for personal consumption loans in Chen Mou, and the loan purpose is limited to the borrower himself and family consumption such as decoration, car purchase and marriage.

　　After the signing of the contract, from August to September, 2018, Chen Mou applied to the bank for a loan of 299,900 yuan, and after the approval of the bank, it paid the corresponding amount to the designated account in Chen Mou. After Chen Mou failed to repay the loan as agreed, as of July 22, 2021, the loan principal was still 299,900 yuan, and the corresponding interest, default interest and compound interest were still owed.

　　In the lawsuit, the bank claimed that the loan under the above-mentioned Maximum Creditor’s Rights Contract was used for husband and wife to live together, and the corresponding debt should be the joint debt of Chen Mou and Sun. In this regard, Sun did not recognize it. Sun argued that he and Chen Mou registered their marriage in November 2010 and agreed to divorce in February 2019. Although the above debts occurred during the existence of the husband-wife relationship, he did not sign the loan contract and did not know the corresponding loan situation; Chen Mou’s loans are used to repay his personal debts, but not for family life together. Therefore, the disputed debts are not joint debts of husband and wife. Upon verification, after receiving the above loan, Chen Mou successively transferred the money to himself or the fund management company outside the case, but did not transfer it to Sun’s name.

　　The court held that Chen Mou should bear the corresponding liability for breach of contract. However, the Maximum Creditor’s Rights Contract was signed by Chen Mou personally, and the disputed loan was also applied by Chen Mou personally, and was distributed to the designated account in Chen Mou. The corresponding creditor’s rights certificate was not signed and recognized by Sun, and Sun personally did not issue any written commitment to confirm that the corresponding debt belonged to the joint debt of husband and wife. In addition, although the Maximum Creditor’s Rights Contract states that the corresponding loan uses include household consumption, it cannot be determined that the litigation money is actually used for the daily life or joint production and operation of Chen Mou and Sun. Therefore, the evidence submitted by the bank is not enough to prove that the debt belongs to the joint debt of husband and wife.

　　In the end, the court ruled that Chen Mou repaid the principal of the bank loan and the corresponding interest, penalty interest and compound interest, and rejected the bank’s claim that Sun should bear the joint repayment responsibility.

　　The judge said that during the marriage relationship, the debts incurred by a husband and wife with a third party, such as a financial institution, in their own name, due to acts such as large loans, are not necessarily joint debts of husband and wife. Article 1064 of the Civil Code provides for this situation, that is, the debts incurred by the husband and wife who jointly sign or one of them ratifies their common intention afterwards, and the debts incurred by one of the husband and wife in his own name for the daily needs of the family during the marriage relationship belong to the joint debts of the husband and wife. The debts incurred by one of the husband and wife during the marriage relationship in their own name beyond the daily needs of the family are not joint debts of the husband and wife; However, the creditor can prove that the debt is used for husband and wife’s common life, joint production and operation, or based on the common will of both husband and wife.

　　The judge said that in judicial practice, if a financial institution can’t prove that the husband and wife have a joint debt or the corresponding debt is actually used for the husband and wife’s common life and joint production and operation, it should bear the adverse consequences as a creditor. The Civil Code makes financial institutions and other creditors bear the corresponding burden of proof, which forces financial institutions to fulfill their more prudent duty of care in the loan review stage, and requires borrowers’ spouses to jointly sign loan contracts and issue joint repayment commitments in accordance with the above provisions, so as to avoid damaging the legitimate rights and interests of the non-debt spouse.

　　Do not charge "beheading interest" in advance.

　　On March 29, 2018, Bai (the borrower) signed a Loan Contract with a microfinance company (the lender) and applied for a loan of 40,000 yuan from a microfinance company. The two parties agreed in the contract that if Bai can’t repay the loan on time due to special reasons, he can only delay the repayment after applying to the company and obtaining the consent, and at the same time, he must pay the company a daily handling fee of 0.0767% according to the time of application delay and the contract loan amount; If Bai applied for delayed repayment on or before the loan start date, Bai agreed that the company would directly deduct the fee from the loan amount when issuing the loan.

　　The first repayment date was originally scheduled for April 30, 2018, and was extended to May 6, 2018 after negotiation, with a total extension of 6 days. On the same day, Bai signed an iou for the above loan, agreeing that the company directly deducted the delayed repayment fee of 184 yuan. The next day, the company transferred 39,816 yuan to Bai’s designated account.

　　Later, due to Bai’s failure to repay the principal and interest according to the contract, the company sued Bai to the court, and made it clear that the loan principal amount was confirmed by the actual transfer amount of 39,816 yuan to Bai, and the corresponding interest was calculated based on the actual repayment situation.

　　After trial, the court held that Bai should bear the corresponding liability for breach of contract, but there was no legal basis for the company to deduct the deferred repayment fee from the principal in advance, so it should determine the loan principal amount and calculate the interest according to the actual transfer. In the end, the court ruled that Bai should bear the corresponding debt service responsibility according to the adjusted loan principal amount.

　　The judge said that when granting a loan to a borrower, the money that the lender first deducted from the principal was commonly known as "beheading interest". In judicial practice, in the process of developing credit consumer loans, individual financial institutions often deduct the interest charged in disguised form in the name of deferred repayment fees and service fees from the principal in advance-charge "beheading interest". This behavior actually reduces the amount of principal provided by the lender of funds, which makes the borrower’s borrowing purpose unable to be fully realized, which is unfair to the borrower, which not only harms the borrower’s interests, but also breaks through the legal interest rate red line in disguised form, so Article 600 of the Civil Code. If the interest is deducted from the principal in advance, the loan shall be returned according to the actual loan amount and the interest shall be calculated.

　　Judicature helps to resolve financial disputes in essence.

　　According to Chen Conghui, the leader of the Fourth Expedition Team of the Filing Court (Litigation Service Center) of Haidian District Court, in the past five years, Haidian District Court has accepted 23,945 financial disputes on credit consumer loans, accounting for 46.12% of all financial cases. This kind of disputes mainly presents three characteristics: a large number, rapid growth, and no obvious solution effect. First, the homogenization and batch characteristics are obvious, and most of them are disputes caused by one or several major consumer financial products of financial institutions; Second, the plaintiffs are concentrated in consumer finance companies, and the lawsuits filed by consumer finance companies are the largest, accounting for 82.74%; Third, the judgment rate is not proportional to the execution rate. The judgment rate of cases is as high as 63.07%, but the execution rate is only 7.25%. It is difficult for financial institutions to win the case.

　　In terms of financial institutions, there are three main reasons for the frequent occurrence of financial disputes over credit consumer loans: First, a small number of financial institutions have irregular pre-lending audits, which has led to the borrower’s debt default; Second, individual financial institutions do not take the initiative to collect money by themselves and rely too much on litigation means; Third, the negotiation schemes of some financial institutions are too rigid, and the dispute resolution is ineffective.

　　In view of the above characteristics, Haidian District Court connects with financial institutions, puts the source of litigation at the forefront, actively connects with financial institutions in its jurisdiction, improves internal risk prevention and control systems such as pre-lending audit and post-lending tracking, and reduces the risk of non-performing loans from the source; Actively cooperate with industry mediation organizations, give full play to the positive role of the working mechanism of "entrusted mediation+judicial confirmation", and promote the diversified and efficient resolution of financial disputes on credit consumer loans; Carefully cultivate demonstration judgments for key cases, popularize the application of small claims procedures, strive to achieve "one judgment, one solution", and effectively improve the efficiency of financial trials; Increase the application rate of small claims procedures, supervise the automatic performance of judgment documents, promote the substantive resolution of disputes from multiple angles, levels and ways, and ensure that a financial case solves a substantive dispute. Since 2023, the number of such disputes accepted by Haidian District Court has been significantly reduced, and the effect of substantive settlement has been significantly improved. Taking a bank as an example, in 2023, the automatic performance rate of effective judgment documents in the financial disputes of credit consumer loans filed by Haidian District Court was nearly 40%.

　　In addition, in view of the typical problems in the consumer finance industry reflected in typical cases, Haidian District Court issued a proposal to financial institutions on December 6, 2023 on optimizing credit management, maintaining financial security, and deepening the governance of litigation sources, advocating financial institutions to adhere to the purpose of finance for the people, make prudent and reasonable loans, do a good job in integrity and compliance management, compact management and collection responsibilities, strengthen diversified dispute resolution mechanisms, and take practical actions to shoulder the social responsibility of finance for the people.

　　Zhou Yuanyuan, deputy to the Beijing Municipal People’s Congress, said that the Haidian District Court effectively responded to the general concerns of the society by issuing typical cases of financial disputes over credit consumer loans, and really played the role of "small cases are powerful" in popularizing the law, realizing "promoting governance by cases", reducing the legal risks brought by information asymmetry, and providing effective normative guidance for financial institutions and financial consumers. She suggested that it is necessary to increase publicity, guide financial institutions to standardize their business, prevent financial risks from the source, and reduce financial disputes.

　　Wei Yifan, a representative of Haidian District People’s Congress, spoke highly of the effectiveness of the Haidian District Court in handling financial disputes. He said that the settlement of credit consumer loan disputes is related to people’s happiness and is of great significance to standardizing financial order and stabilizing the overall situation of society. Haidian District Court adheres to and develops the "Maple Bridge Experience" in the new era, does a good job in the source management and diversified solution of financial disputes, and protects the legitimate rights and interests of various financial market entities equally with efficient and high-quality judicial services.

city 90m²And below 90-144m² 144m²more than compare the numbers with the prior period of the same length compare to the same period of the previous year Dingji compare the numbers with the prior period of the same length compare to the same period of the previous year Dingji compare the numbers with the prior period of the same length compare to the same period of the previous year Dingji last month

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Beijing 100.2 101.2 122.5 100.2 100.4 139.4 99.7 98.4 140.6 Tianjin 99.9 100.5 134.6 100.2 99.5 128.2 100.6 101.1 125.2 Shijiazhuang 100.2 100.8 120.0 99.8 103.0 124.7 100.2 104.1 123.8 Taiyuan 100.0 108.6 114.5 101.0 108.6 113.1 100.2 106.6 109.3 Huhehot 100.9 105.0 103.4 101.1 107.1 108.6 100.3 107.5 107.2 Shenyang 100.4 111.5 116.8 100.4 111.6 114.4 100.2 111.5 112.1 Dalian 100.5 108.8 110.5 101.0 108.5 113.0 100.7 107.2 105.4 Changchun 101.5 111.2 116.7 100.9 109.1 111.3 101.1 106.2 109.7 Halbin 101.4 110.8 113.1 100.8 110.7 114.5 100.9 110.5 112.5 Shanghai 100.4 100.3 148.4 100.1 100.6 147.4 100.4 99.9 143.6 Nanjing 100.1 99.5 151.5 100.1 98.4 146.0 100.0 98.2 143.0 Hangzhou 100.0 99.2 137.4 100.1 98.9 132.2 99.8 100.0 128.6 Ningbo 100.3 105.9 124.3 100.3 104.8 120.9 100.4 105.1 119.0 Combined fertilizer 100.0 98.9 147.0 99.8 100.3 149.2 100.7 99.5 148.7 Fuzhou 99.7 97.7 128.1 99.7 98.2 128.7 100.1 98.9 127.6 Xiamen 99.9 102.5 152.6 99.9 103.0 153.1 99.8 100.9 149.0 Nanchang 100.6 108.6 127.1 100.0 106.0 123.9 99.5 106.2 122.4 Jinan 100.0 99.6 119.4 100.1 100.7 122.3 101.3 102.1 120.7 Qingdao 100.3 103.7 117.5 100.1 104.2 119.0 100.1 105.0 115.7 Zhengzhou 100.3 99.5 132.0 100.2 99.8 130.1 100.5 97.5 124.6 Wuhan 100.5 101.0 130.4 100.2 100.9 131.1 100.2 99.2 125.3 Changsha 100.4 105.6 123.0 100.0 105.9 126.5 100.5 106.6 127.3 Guangzhou 100.1 106.3 140.3 99.7 105.1 137.2 99.6 105.8 137.6 Shenzhen 99.6 97.4 144.9 99.8 97.6 146.3 100.4 95.8 146.7 Nanning 101.0 109.5 124.7 99.7 108.1 122.3 100.8 111.1 121.9 Haikou 102.7 102.8 111.3 101.8 107.9 114.9 102.6 104.0 108.7 Chongqing 100.2 112.5 120.4 100.4 109.0 117.6 100.8 107.9 116.5 Chengdu 100.6 100.9 105.9 100.3 97.8 106.3 100.6 99.1 106.5 Guiyang 101.1 111.5 116.8 101.3 110.2 116.1 101.0 109.6 113.2 Kunming 102.7 110.1 114.6 102.7 110.9 114.5 102.2 109.1 111.2 Sian 100.6 112.8 123.0 100.7 112.6 121.2 100.5 111.1 119.9 Lanzhou 100.8 105.5 109.7 100.9 106.2 109.3 100.9 104.1 107.8 Sining 101.8 106.7 108.3 101.1 106.0 106.9 100.9 104.6 105.9 Yinchuan 100.7 103.3 105.2 100.4 103.5 104.7 100.8 105.6 105.4 Urumqi 100.7 107.3 104.5 101.3 107.0 106.4 100.3 105.1 100.1 Tangshan 100.8 106.7 108.5 100.5 105.7 108.4 100.6 106.5 108.6 Qinhuang island 100.3 107.8 113.5 99.9 105.9 112.9 100.7 105.6 108.8 Baotou 101.4 108.2 106.9 100.7 104.7 104.0 101.9 106.9 104.0 Dandong 101.9 105.4 103.5 100.9 103.3 101.5 100.9 105.3 99.2 Jinzhou 100.2 102.8 95.0 100.1 101.0 98.5 100.2 103.8 100.5 Gilling 100.5 107.1 108.5 100.1 106.9 108.7 100.6 106.2 107.7 Mudanjiang 100.6 106.7 103.9 101.5 106.4 105.0 101.1 105.8 102.0 Tin free 99.9 100.0 137.2 100.2 99.2 136.7 100.2 97.5 125.6 Yangzhou 100.0 108.3 120.1 100.6 108.6 120.1 99.9 111.0 119.4 Xuzhou 100.0 110.1 120.5 100.2 109.2 119.8 100.1 109.2 120.0 Wenzhou 100.5 105.1 111.2 100.5 106.6 114.9 100.7 108.0 113.9 Jinhua 100.3 109.8 120.1 100.2 110.1 119.9 101.2 108.9 115.3 Bangbu 98.8 107.9 115.4 100.1 109.5 118.4 99.5 104.2 111.9 Anqing 100.5 105.5 114.3 100.5 105.3 112.5 100.7 103.9 111.4 Quanzhou 100.3 102.0 111.5 100.4 101.4 110.6 101.1 100.9 110.5 Jiujiang 99.9 111.0 123.0 100.2 107.7 119.3 99.8 110.1 121.5 Ganzhou 99.7 103.3 117.6 99.8 102.4 115.4 99.6 103.9 117.9 Smoke platform 100.4 107.7 111.7 100.4 108.9 116.2 100.7 106.4 110.4 Zinin 100.5 109.4 110.3 100.5 109.3 109.7 100.1 108.3 108.1 Luoyang 100.4 110.5 119.0 100.1 109.6 113.1 99.9 107.5 110.8 Pingdingshan 100.7 103.8 107.6 100.6 107.9 112.4 100.1 105.4 109.8 Yichang 100.3 107.4 112.3 100.4 109.0 114.0 100.2 107.4 114.1 Xiangyang 100.9 109.2 111.6 99.7 105.8 107.1 100.1 105.8 104.9 Yueyang 100.8 108.4 112.8 100.8 109.8 112.9 100.6 110.3 116.1 Changde 101.4 111.9 114.1 100.1 107.8 110.2 100.6 107.6 108.1 Huizhou 100.8 106.8 132.1 100.4 104.4 131.8 99.4 102.8 128.2 Zhanjiang 100.3 108.2 116.6 100.4 109.7 117.1 100.0 110.6 114.0 Shaoguan 99.3 107.0 114.9 99.9 110.0 117.0 101.6 107.8 116.0 Guilin 100.1 108.2 110.3 100.0 110.8 112.7 101.5 107.6 112.7 Beihai 99.8 113.5 118.3 99.7 113.2 116.8 99.8 110.2 115.4 Sanya 100.3 105.9 111.3 101.1 104.6 109.0 100.0 104.1 109.0 Luzhou 101.0 103.9 109.2 102.4 106.2 109.6 102.0 105.4 107.7 Nanchong 100.4 109.9 109.8 100.6 109.3 110.1 100.3 110.8 108.4 Zunyi 101.1 106.9 110.1 100.9 107.4 107.4 101.3 108.2 110.8 Dali 102.1 108.0 109.9 101.5 105.6 109.0 101.2 104.8 106.2

Hellcat wide-body prison break blue/black
Real leather bag
(front seat ventilation, door suede with map bag, advanced sewing instrument panel, electric memory seat, electric steering wheel)
Customers prefer to add packages.
(Black floor mat, wide body, high performance engine controller, wide body track damping, SRT jailbreak dashboard badge, SRT electric condenser)
Haman kadun sound
Driver convenience component
(Blind spot detection, body-color rearview mirror with heating and high-light headlights)
Technology package (automatic high beam)
Red seat belt
Black srt performance spoiler
Suede inner roof　
skylight
Chrome-plated badge
Alcantara red led steering wheel
20-inch Pirelli 3 season tire
8.4 inch screen　　
20 inch carbon black wheel
Carbon fiber interior

Our company solemnly promises 1. On the day of car purchase, the company supplies all vehicles: invoices, customs clearance (vehicle import certificate), commodity inspection (quality inspection certificate), vehicle conformity (vehicle configuration certificate), environmental protection list, etc. Ensure that all foreign customers can settle down normally when they return to the local area. Sign a formal car purchase treaty, and any problems you are worried about can be shown on the treaty, eliminating your worries. All are real car shots! Please contact the phone number at the bottom of the article

Hellcat adopts the latest design of Dodge family, and its overall shape is more sporty. The instrument panel adopts the combination design of double instrument panels and LCD screen, and the center console adopts split type with central LCD screen. It has a sporty atmosphere, including a bottom steering wheel, sports seats, carbon fiber-like interior parts and aluminum alloy decorative panels. 24-hour hotline (same as WeChat): 15922021777 Manager Zhang.

As a 6.2 V8 supercharged car, Hellcat can burst out with 704 horsepower. The sound of generate with large displacement and the howling of supercharged car will push your body against the backrest. I believe not many people can refuse the pleasure brought by this high horsepower.

The 2022 Dodge Hellcat further strengthened its image of high-performance version in the interior part, and the TRX logo everywhere in the center console and seats is the best example.

Recently, Xiaobian has worked overtime to play mobile phones too hard, and his liver really doesn’t move

In order to relieve the fatigue accumulated for a week, I decided to have a physical therapy.

Discover a family through a review app."treasure-class" SPA shop

—— Whale Fall SPA

Xiaobian was "circled" by his strength for the first time.

The environment is elegant and comfortable, and the technicians are professional and exquisite.

Too comfortable to leave! ! !

Such a good thing

Xiaobian naturally did not forget to seek benefits for everyone.

CoincidenceOpening of new store & anniversary celebration

The boss is very generous

Give a big wave to tribal fansThree-store general motorsWelfare!

At present, Whale Falls SPA has two stores in Jinlong Road and Pearl River Bay in Nansha, and now it has opened a new store in Tianhe City, Panyu.Open three stores a year!

The boss also revealed an important message to Xiaobian that Whale SPA willOpen joiningIf you are interested, you can identify the QR code below and leave your information.

Three stores a year, building a luxury SPA chain brand, and opening to join, what gave him confidence? Today, Xiaobian will take you to experience what is special about Whale SPA.

Part ● one

>>Gold location makes SPA more convenient.

The three branches of Whale Falls SPA are all located in the core of the city, so that urbanites can easily enjoy an unparalleled health SPA.

"Panyu Tianhe City Store"

Panyu Tianhe City Store, which opened today, is located inWanbo CBD center,Subway upper cover of Line 18Tired of shopping in Tianhe City, you can relax your tight muscles by going upstairs.

"Jinlong Road Store"

Jinlong Road Store is located.23rd Floor, Building 1, Yuexiu Headquarters PlazaFor migrant workers in Jiaomen jinzhou area, it is very convenient to relax after work, and the store will also provide it.Free parking ticketLet you have no worries.

"Zhujiang Bay Store"

Jingluo SPA (Zhujiang bay shop)

Pearl River Bay Store is located.25th Floor, Building 3, Zhujiang Bay ApartmentOn the upper floor of Fenglin International Apartment, the arrival of Whale Falls SPA "Pearl River Bay Shop" allows the neighborhoods around Nansha Bay and the old town to enjoy the physical and mental healing journey nearby without going to Jiaomen, jinzhou area!

Part ● 2

> > Elegant style and meticulous creation of healing space

Jingluo SPA

Walking into the Whale SPA, soft warm yellow lights and soothing music will instantly make you "unload your armor" and fully relax to meet the beautiful SPA moment.

Part ● three

> > Chinese meridian therapy physical and mental healing journey

Jingluo SPAFocus on healing SPA and follow Chinese meridian therapy.It not only relaxes the outside, but also soothes the inside, allowing urbanites to enjoy a healing journey from body to heart.

When the weather is cold, it is natural to have a steaming appointment, feel the steam seeping into the body, and the warm breath gradually relaxes the body and mind.

The steaming room of Whale SPA isSeparate use for men and women.Yes, it’s more comfortable to read and have a rest or speak freely with friends when steaming.

After steaming, have another one.90-minute blue whale essential oil SPA, completely relieve fatigue and relax meridians.

>>

The physiotherapist’s technique is exquisite, from shoulder and neck to back, step by step, from light to heavy, and relaxation is moderate. After a few minutes of repetition, the nerves and body that have been in a tight state for a long time relax instantly.

Every physical therapist in whale fall SPAAfter professional training, and have5 years or above working experience! The techniques are skillful and pure, and the whole process of strength is just right.

There are also many Chinese-style special items in the store, such as scraping, cupping and moxibustion, which can be selected. In particular, I recommend you to try moxibustion.

Jingluo SPA useAi tiao ai JIUCompared with ordinary moxibustion box, it has better effect, can gently regulate the body’s qi deficiency and sweep away the uncomfortable feeling ~

Merchant information

"Jinlong Road Store": 23rd floor, Building 1, Yuexiu Headquarters Plaza, Jinlong Road, Nansha.

Jingluo SPA (Jinlong road branch)

"Zhujiang Bay Store": Floor 25, Building 3, Fenglin International Apartment, Zhujiang Bay, Nansha

Jingluo SPA (Zhujiang bay shop)

Tianhe City Store: Floor 9, Yuehai Plaza Apartment, Wanboer Road, Panyu District

Jingluo SPA (Tianhe city branch)

1905 movie network news　On the afternoon of January 14th, the 2020 Cultural Festival hosted by Entertainment Priest was held in Beijing. The theme of this activity is to cross mountains and rivers, and it is divided into five units: drama can do things, synthesis, shadow, music over hills and V expressing righteousness.

　

Guests attending the live event included Ma Zhongjun, founder of Ciwen Media, Ge Rui, screenwriter of The Eight Hundred, and Xu Xiaoou, executive vice president of Lemon Film. On-site guests launched sharing and exchange activities on different topics on their familiar vertical market segments of the entertainment industry.

"At that time, when the script was written into 37 episodes, I felt that I couldn’t write it anymore, thinking that it would be unfinished. Later, with the encouragement of the crew, I wrote the remaining 6 episodes, but it was changed six times before it was passed." playwrightYu FeiHe revealed the creative experience of the currently popular "roving inspection team", and also said that the play will also shoot a sequel.

　

"We will do a sequel to" Twenty Don’t Confuse "this year, or focus on m-girls. Because the first part is about senior life, the second part will write about them three years later and will continue to pay attention to the growth of this generation of young people. " Xu Xiaoou, vice president of Lemon Film Industry, thoroughly explained the overall content direction of the sequel of Twenty Confusion in advance. At the same time, she also said that "new relationships will be added in the sequel."

　

"In 2019, the box office was more than 60 billion, and more than 1,000 films were released. In 2020, it was more than 20 billion and more than 600 films were released. If there is a gradual transition and growth in the number of the next year compared with 2019, I think this may be a quantifiable dimension that the film market can really pick up. " The Eight Hundred screenwriter Gary expressed his views on the development of China film market.

　

"In fact, Chunjiang Plumbing really wants to go to the cinema. Many shooting standards in the film are based on cinema movies. For example, there is a rainy Shoot shot in it, and the crew especially wants to keep this shot in the feature film. However, there was slight jitter in Shoot’s picture, so the crew communicated with various foreign technical teams to repair the jitter. When watching on a mobile phone or tablet, this jitter is actually negligible. " Zhou Jiansen, co-founder of Factory Gate Film, described some creative details of Chunjiang Plumbing, which was produced by the company.

　

In addition to drama series and movie market, Chen Di, vice president of Canxing production, and Wang Xinxuan, producer of the second season of "Exciting offer", and other guests also discussed the development of domestic entertainment market such as variety and music. In addition, awards such as the best movie of the year, the best online movie of the year, and the most popular music platform of the year were also presented at the ceremony.