The leverage of the insurance trust "three generations under one roof" has not changed, and the service has been iterated.

China Net Finance October 8 (Reporter Lu Kai) After continuous development in recent years, the insurance trust has quietly completed its own iterative development, which provides better corporate financial services by combining the natural leverage advantage of insurance.
Leverage to incite great wealth
Insurance trust is similar to family trust and belongs to the original trust business. Compared with non-standard financing trust business such as real estate trust and political trust, insurance trust has become an important direction of trust business transformation. At the same time, compared with the entry threshold of family trust, the insurance trust takes the insurance amount of the policy as the establishment threshold, and adopts the "down payment+installment" model, which greatly reduces the starting threshold of family trust, not only ensures that the scale of trust assets meets the regulatory requirements, but also reduces the pressure on start-up funds. At the same time, it is attracting more and more attention from high net worth individuals and middle-class families through "leverage".
Since the first single insurance trust of CITIC Trust in 2014, the net profit of insurance trust has gradually increased from 0 to 1, and then from 1 to N. The number of clients who set up insurance trust has increased from 10 in 2014, nearly 100 in 2015, 500 in 2016 and over 1,000 in 2017, reaching nearly 10,000 by the end of June 2021. During this period, the scale of insurance trust has also risen.
Statistics show that in 2017, six trust companies carried out insurance trust business, with a scale of 352 million yuan and a business number of 1023. Today, the scale of insurance trust has advanced by leaps and bounds. In June this year, the new insurance trust was 6.237 billion yuan, up 38.29% from the previous month. However, the new scale of insurance trust is still less than the new scale of family trust of 11.995 billion yuan in the same period.
By comparing the main characteristics of insurance trust and family trust, it is not difficult to find that although both of them belong to service trust, even from the perspective of industry practice, there is a widespread problem of confusing family trust business with insurance trust business, and some people even think that insurance trust belongs to family trust, but there are still great differences between them.
We analyze the main differences between them layer by layer, and it is not difficult to find that there are great differences between insurance trust and family trust in many aspects, such as trust property, threshold for establishment, requirements for the establishment of trust parties, and characteristics of trust property management and application. First of all, the trust property of insurance trust is the right to claim insurance, while the trust property of family trust is rich in forms. At present, the mainstream financial assets in the market are monetary funds, asset management products, insurance policies and corresponding rights.
In terms of the threshold of trust establishment, the supervision has clear scale requirements for the establishment of family trust, and the amount or value of family trust property is not less than 10 million yuan. However, there is no special regulation on the scale of insurance trust, but it still needs to meet the requirements of trust property scale of general trust. At present, in the practice of the industry, the threshold of establishing trust scale for insurance trust is usually higher than RMB 1 million to meet the needs of future wealth management and inheritance.
At the same time, the supervision has clear requirements for the parties to the family trust, but it is mainly bound by the Trust Law and other relevant legal provisions; However, in addition to meeting the trust-related legal and regulatory requirements, the establishment of relevant parties in insurance trust also needs to be restricted by insurance law and insurance contract.
Finally, in terms of the management and application of trust property, although the characteristics of family trust put forward higher requirements for the corresponding management and application, its management, application and disposal of trust property began with the establishment of the trust and the confirmation procedures for transferring the corresponding assets to the trust were not much different from those of traditional trust. However, the insurance trust has different requirements from other trust products in terms of information disclosure, process requirements for claims funds to enter the trust account and trust property management requirements after claims funds arrive, which also provides the possibility of cross-integration with other trust businesses, especially family trusts.
For the insurance trust with a trust scale of more than 10 million yuan, it can be set as a family trust, or the insurance policy and other property can be put into the family trust together. For the trust property with a trust scale of less than 10 million yuan, it can leverage the insurance to incite greater benefits, and it is in the process of mutual cross-integration that the insurance trust is continuously and iteratively developed.
"Three generations under one roof" service upgrade
From the analysis of the current practice, there are three existing insurance trust business models: 1.0, 2.0 and 3.0. In practice, both 2.0 and 3.0 models can be regarded as upgrading iterations on the basis of 1.0 model, and there is no clear updating relationship among them. Instead, they jointly promote the growing insurance trust market under different application conditions.
In the earliest 1.0 business model, the principal insured himself and entrusted the policy beneficiary right or insurance premium of life insurance or annuity insurance he held as trust property to a trust company to set up a trust. With the consent of the insured, the trust company was changed into the policy beneficiary, and when the payment conditions agreed in the policy were met, the insurance company paid the insurance premium to the trust company. As the trustee, the trust company manages and uses the trust property according to the agreement in the trust contract, and gradually delivers the trust property and income to the trust beneficiary designated by the trustor. Under this model, the insurance leverage can also lower the threshold for the establishment of family trust, but the trust company as a whole is in the stage of inferior participation.
In view of the above situation, compared with the 1.0 operation mode and the insurance trust 2.0 mode, the participation stage of the trust company is greatly advanced. After the insurance products and trust products are established, with the consent of the insured, both the applicant and the beneficiary of the policy are changed into trust companies. During the duration of the policy, the trust company will continue to pay the premiums on its behalf by using the trust property, and as the insurance beneficiary, it will be entrusted with the management and distribution of insurance benefits. Since the subsequent policyholder is changed to a trust company, the risks such as the policy being divided as an inheritance or being forced to surrender as the property of the policyholder after the death of the policyholder are avoided. In this way, on the basis of making full use of the leverage advantage of insurance money, the trust has the natural advantage of risk isolation legal framework.
In the insurance trust 3.0 model stage, the trustor sets up a trust with its own funds and entrusts the trust company to buy insurance. As the trustee, the trust company pays the premium with the trust property and signs an insurance contract with the insurance company. This is not so much an insurance trust, but actually it is more like a customized service based on the family trust.
The 3.0 model can provide all-round custody services for customers’ policies from three dimensions: insurance stage, policy holding and claim settlement. It can also expand the types of insurance from traditional life insurance to multiple insurance categories, make insurance an integral part of trust property asset allocation, and further play the role of insurance trust in realizing wealth management. As a result, many insurance trust models have been derived, such as "family insurance policy" model, "insurance trust+will" model, "insurance trust+pension" model and "insurance trust+charity" model. With the continuous iteration of insurance trust, its service quality is constantly upgrading, and investors’ awareness of it is also constantly improving.
The future is promising
In addition to the "gradual" development of the insurance market mentioned above, relevant information shows that the insurance trust market has entered a rapid growth period in the past year or two, and more and more high-net-worth users, especially female users, are increasingly favoring insurance trusts. From the perspective of the proportion of premiums, women account for about 53% and men account for about 47%; From the number of policies, women account for 44% and men account for 56%; From the perspective of the age distribution of premiums, most of them are people aged 41 to 50, accounting for 43%.
At the same time, the insurance market is still facing stage challenges. Compared with customers’ recognition and acceptance of family trust, it needs to be strengthened, and the market needs to be further cultivated and developed, which puts forward higher requirements for improving the professional ability of employees and improving the basic system of insurance trust.
However, we should also see that under the background of tightening supervision and industry transformation, insurance trust business is one of the important businesses for trust companies to cope with industry transformation. Although there are still some shortcomings in this field, such as unclear laws and regulatory policies, and lack of effective profit model, compared with the previous business processing time of several months, the financial technology widely used in the industry has effectively helped the development of insurance trust business, and the insurance trust has been greatly improved in modularization, standardization and informationization. In particular, the professional ability of employees is gradually improving in marketing mode, service mode and management mode. In the future, with the progress of society and the changes in China’s wealth market, the real market demand will be further released.
Some experts in the industry once said: For high-net-worth customers, insurance trust can enrich the forms of insurance payment and effectively solve the problem of insurance distribution and inheritance in the future. At present, domestic private banks, insurance companies, trust companies and other institutions have begun to extend the service chain through insurance trust, which will be welcomed by more and more high-net-worth people in the future. China Net Finance will continue to pay attention to the future development of insurance trust.
Reporting/feedback

[Guangming Forum] Find the digital power point to improve the efficiency of grassroots governance

  [Guangming Forum]

  Author: Chen Donghui (researcher, Henan Academy of Social Sciences)

  The new round of scientific and technological revolution is advancing in depth, and the digital wave is unstoppable. Digital technology is profoundly changing the mode of production, lifestyle and governance of human society. The General Secretary of the Supreme Leader attaches great importance to digital transformation, emphasizing "accelerating the construction of digital economy, digital society and digital government, and promoting the optimization and upgrading of digitalization in various fields" and "establishing and improving the mechanism of big data assisting scientific decision-making and social governance, promoting the innovation of government management and social governance model, and realizing scientific government decision-making, accurate social governance and efficient public services". Grass-roots governance is the cornerstone of national governance. We must adapt to the development trend and requirements of the digital age and continue to lead and drive the improvement of grass-roots governance efficiency with digital technology.

  Focus on digital empowerment of party building and strengthen the "backbone" of grassroots governance. The party’s grass-roots organizations are the bridges and ties to connect with the masses and occupy a leading position in grass-roots governance. The key to empowering grassroots governance with digital technology lies in the understanding and grasp of digitalization by grassroots organizations. The first is to build a team of leaders of grassroots party organizations with digital thinking. The secretary of the grass-roots party organization is the leader of the grass-roots organization and the "leading goose" of all party member, and he is in a key position and plays a key role. We should seize this "key minority" in grass-roots governance, bring digital elements into the whole chain of "breeding and management", and improve the digital governance ability of the leaders of grass-roots party organizations. The second is to promote the digital construction of grassroots party organizations. Strengthen the application of digital technology in the construction of grassroots organizations, use digital technology to build a grassroots digital party building platform, spread the party’s line, principles and policies through social tools widely used by the masses, and promote the party’s innovative theory to "fly into the homes of ordinary people." The third is to adhere to party building and lead digital empowerment grassroots governance. Give full play to the role of the Party’s grass-roots organizations as fighting bastions and leading roles, use big data and information technology to collect and handle the opinions of the masses, persist in using data to speak, rely on data to make decisions, and implement according to data in leading grass-roots governance by party building, and strengthen the efficiency and empowerment of digital party building for grass-roots governance.

  Adhere to the people-centered orientation and integrate quasi-mathematics with the "steering wheel". The people’s yearning for a better life is our goal. To promote the integration of digital governance, we must adhere to the people-centered orientation, take the improvement of people’s well-being as the starting point and the end result, and stimulate the people’s internal drive to participate in grassroots governance. The first is to enhance people’s ability to participate in digital governance. Digital technology is developing rapidly, but the digital society is a long evolution process. As the main body of grassroots governance, people’s digital literacy determines their ability and level to participate in social governance in the digital age. We should strengthen education and training, make digital technology a powerful tool to realize human liberation, and improve the quality of people’s participation in governance. The second is to stimulate the enthusiasm of individuals to participate in digital governance. Any individual is in an infinite link in the digital age, which also provides an unprecedented possibility for individuals to deeply participate in grassroots governance. This requires us to take mass participation as the center and use digital technology to broaden the channels for individuals to participate in governance. The third is to optimize the efficiency of digital governance services. The ultimate goal of grassroots governance is to let the people share the fruits of social governance. We should strengthen service awareness, promote digital transformation and intelligent upgrading in all fields at the grassroots level, improve quality and efficiency of social governance with digital technology, and let the people share a richer, more convenient and inclusive digital life.

  Highlight the support of data foundation and grasp the "key points" of digital governance. Data is the key to digital governance and occupies an important position in digital governance. The first is to improve the construction of digital infrastructure. Focus on key projects such as 5G base stations and data centers, accelerate the construction of intelligent comprehensive digital information infrastructure with high-speed ubiquity, integration of heaven and earth, cloud and network integration, intelligence and agility, green and low carbon, security and controllability, and continuously optimize the digital governance environment at the grassroots level. The second is to establish and improve the basic data system. Grasp the basic laws of data property rights, circulation transactions, income distribution and governance security, and accelerate the establishment of data-related institutional systems. Innovate the government data governance mechanism, build a multi-party collaborative governance model of government, enterprises and society, and form a data element governance pattern that combines government and effective market. The third is to release the governance value of data elements. Explore the "grassroots governance in internet plus" model, strengthen the accurate empowerment of big data, and ensure the timely transmission of information dynamics, contradictions and disputes, and task requirements. Accelerate the construction of digital government, and promote "handheld office" and "fingertip office" to become the standard of grassroots governance services, so that data can run more and people can run less errands.

  Adhere to the systematic thinking method and make good use of the "golden key" in the digital age. Holiness, systematicness and connectivity are the outstanding characteristics of the digital age. To empower grassroots governance with numbers, we must observe society, find problems and grasp the laws with a universal, comprehensive and systematic view of development and change. The first is to coordinate the main body of governance. Make full use of the advantages of data, effectively link grass-roots party organizations at all levels, government functional departments, social organizations, economic organizations and individuals as a whole, accelerate the formation of a working mechanism of "party building leading, digital empowerment, township calling and county response, and linkage up and down", and unite the joint efforts of grassroots governance. The second is to comprehensively grasp the problem. The problem is the voice of the times and the direction of governance. The problem arises regardless of the field, and it affects the whole body. We should turn the data advantage into a comprehensive grasp of the problem and comprehensively use various means to solve the governance problem. The third is to highlight system integration. Using digital technology to promote the effective penetration of all elements of grassroots governance, tap and release the potential of data, enhance the sharing and inclusiveness of data elements, promote the flattening, differentiation, refinement and systematization of social governance, and build a grassroots governance pattern of "a thousand lines above and a network below".

  Guangming Daily (September 8, 2023, 02 edition)

Yingluck and Thaksin Shinawatra are exposed in Japan and Thailand: necessary measures will be taken.

Wechat screenshot _20180212210411.png

  Yingluck (left) and Thaksin (right) (photo from Kyodo News Agency)

  Overseas networkFebruary 12 thJapanese media quoted "Thailand Daily" as saying that Thailand’s Deputy Prime Minister Prawit Wongsuwan)12 said on the 12th that Thailand’s former two prime ministers Thaksin Shinawatra and Yingla brothers and sisters are currently in Japan. Ba Yi said that the Thai Embassy in Japan and other relevant institutions have been ordered to take necessary measures.

  According to Kyodo News, Thai Deputy Prime Minister Ba Yi told reporters in Laos, where he visited, that he had received reports that Thaksin and Yingla brothers and sisters were currently in Japan.

  Japanese media said that Ba Yi did not mention Yingla’s location in Japan and the purpose of going to Japan.

  Ba Yi said, "The relevant institutions (such as the Thai Embassy in Japan) have been ordered to take necessary measures." He also said that instructions have been issued to collect information related to Yingluck.

  According to previous reports, on January 9, the Thai Foreign Ministry said that the former Thai Prime Minister Yingluck, who fled abroad to escape the verdict of the rice purchase case, had been staying in the UK since last September. Thai media said that Yingluck has applied for political asylum in Britain and is waiting for a reply from the British authorities. The police chief of Thailand’s national police said that the Thai police would continue their efforts to extradite Yingluck to Thailand.

1514541778384740.png

  Yingla photos taken by netizens. (Source: Thailand NEW18 Channel Twitter)

  On December 29th, 2017, the website of NEW18 Channel in Thailand said that some netizens took photos of Yingla shopping in Westfield, a famous British shopping mall. Yingla was immersed in the atmosphere of Christmas Day that day, and her mood was completely unaffected by domestic affairs. This is the first exposure of Yingla’s frontal photo after netizens met in a shopping mall in London, England in November and took a photo of suspected former Thai Prime Minister Yingluck.

  On August 25, 2017, the original verdict of the former Thai Prime Minister Yingluck’s "rice dereliction of duty case" was postponed. Yingluck said that she could not attend the verdict due to illness, so the Supreme Court of Thailand arrested Yingluck. Since then, the Thai government has confirmed that former Prime Minister Yingluck has fled Thailand. (Compile/Overseas Network Gong Hao)

"Brexit" detonated the enthusiasm of China tourists to Britain

  After the British referendum "Brexit" last week, the British exchange rate plummeted and may continue to fall in the future. Britain instantly became the focus of consumers’ attention, and domestic travel agencies immediately launched various concessions to meet the upcoming British tourism boom.

  Xu Xiaolei, chief brand officer of CYTS Travel Network, believes that Britain’s "Brexit" is a good thing for China tourism investors, which provides an opportunity for China tourism enterprises to "bargain-hunting" in the UK; As travel agencies reduce the cost of purchasing hotels and air tickets, consumers will also get more favorable prices. On the other hand, Britain does not use Schengen visas, but uses British visas and pounds independently, so "Brexit" will not affect British visas.

  Xu Xiaolei said that from the experience of the tourism industry, the purchase of food, accommodation, travel, entertainment and other factors included in tourism products often occurred one to three months ago, and the impact of exchange rate changes on the price of tourism products often will be fully released in the next one to three months. On the other hand, the downward trend of the exchange rate of the British pound and other currencies affected by this will inevitably lead to an increase in the prices of products that citizens of Britain and other relevant countries visit China, which is not conducive to the recovery of the inbound tourism market to some extent.

  At present, it is the peak season of summer tourism. For China citizens to travel to the UK, CYTS Travel Network has launched a series of products, such as Britain’s depth and one place, and Britain’s essence connection. Such as panoramic view of Britain-Harry Potter trip, British+Irish food market-royal yacht and other products. Compared with previous years, CYTS pays more attention to the depth and comfort of tourists’ travel experience. Taking Beijing as an example, in view of the pain of tourists’ travel fatigue, all airlines choose direct flights from Beijing to Britain. At the same time, there is a strong demand for summer students’ travel, and the annual summer promotion activity-the series of packages where the results of the college entrance examination are spent as money, will be launched. Those products that are ordered and successfully paid for in the UK from June 27th to July 27th can also enjoy the discount of going straight to 1000 yuan, which will make travel to the UK more affordable.

  In addition, Britain’s "Brexit" has caused the pound to show a large downward trend, which also brings the best opportunity for tourists to shop in the UK. From June to August, the temperature in Britain is not only suitable for tourists to travel, but also the summer discount season will come. World-class brands in the major shopping cities of Britain, such as Manchester and London, will have large discounts, which is a rare window for tourists to travel and shop.

  There will be an explosive growth in tourism to Britain.

  According to statistics, in 2015, the number of tourists from China to the UK increased by 46% compared with 2014, reaching 270,000; At the same time, China tourists’ spending also increased by 18%, reaching 586 million pounds. According to the data released by Ctrip, Britain is one of the important destinations for Chinese people to travel to Europe, especially during the summer vacation, ranking in the top three all the year round.

  Judging from the British referendum "Brexit" and the sharp drop in the pound, it should be very obvious to boost Chinese people’s travel to the UK in the short term. With the decline of local tourism costs and shopping costs, the cost performance will be greatly improved. Ctrip experts believe that after the exchange rate fell, the cost of ground connection in the UK dropped by about 9%. "It can be said that this is an unprecedented good time to travel to the UK".

  The devaluation of the pound will further stimulate Chinese people’s desire to go shopping in Britain. It is reported that the "sweeping army" has planned to go to the UK, and Ctrip expects that there will be explosive growth in British tourism this summer.

  According to Ctrip’s statistics, the popularity of the UK has been rising steadily since the implementation of multiple visas to the UK for two years in January 2016. From January to June this year, Ctrip’s team tours, free travel, ticket play and other business services exceeded 10,000 people, an increase of 40% over last year. Britain ranks 24th among the most popular overseas destinations for China tourists and second in Europe. According to Ctrip data, in the first half of 2016, the European destinations visited by China tourists were: Italy, Britain, Germany, Russian and French.

  According to statistics, the average cost of domestic tourists traveling to the UK is 15,025 yuan, of which the proportion of free travel for group tours is 52∶48, which is the mainstream compared with the connected products in previous years. Since this year, the number of tourists who choose the UK for in-depth group tours and free travel has increased significantly. More than 50% of consumers choose products from the UK, and the products of "Scotland+England+Ireland for 10 nights on the 12th" have the most transactions on Ctrip App, with nearly 3,000. Nearly 50% of China tourists stay in the UK for more than 10 days, and 40% of tourists stay in the UK for 7-10 days.

  At present, Britain’s influence in China’s first tier cities obviously exceeds that of second-tier cities. In the first half of 2016, the top 10 cities that visited Britain were Shanghai, Beijing, Guangzhou, Shenzhen, Chengdu, Wuhan, Nanjing, Hangzhou, Shenyang and Fuzhou. However, British officials, airlines and domestic travel agencies are optimistic about the growth of second-and third-tier cities: Britain will set up three visa service centers in Xi ‘an, Changsha and Kunming next month to meet the strong tourism demand of China tourists. Just last Saturday, Chongqing opened its first direct flight route to London.

  The number of searches in the UK doubled from the previous month.

  According to Ctrip, this weekend after Brexit, the search volume of keywords related to British travel such as "Britain" and "British pound exchange rate" in Ctrip’s Raiders community has doubled month-on-month. Not only that, but also the browsing volume of pocket raiders and travel notes of relevant destinations in the UK has increased accordingly. In the words of the person in charge of Ctrip Raiders, "It seems that all people who have plans to travel in the summer vacation are watching Britain this weekend."

  According to the data provided by Ctrip, among the British destinations that Chinese people want to visit most, the British Museum ranks first, followed by Buckingham Palace, London Eye, Thames, Tower Bridge, Edinburgh, Cambridge University, Manchester, Oxford University, Bath and Birmingham.

  After the news of the referendum "Brexit" was announced last weekend, the search volume of Ctrip App UK routes increased by 200%, and the volume of UK orders in summer increased by 150% month-on-month. Many routes were sold out as of the beginning of August. Experts predict that if the exchange rate continues to fall, Britain will become the biggest dark horse market in the second half of this year.

The average speed is less than 10 kilometers per hour! How "blocked" is work in Wuhan?

According to the Report on Urban Traffic in China in the First Quarter of 2023 released by Baidu Map in conjunction with Traffic Big Data Research Center of Tsinghua University Data Science Research Institute and Beijing Traffic Development Research Institute, in the first quarter of 2023, the traffic vitality of major cities in China recovered, and the traffic congestion index of nearly 80% of the 100 cities during the peak commute increased compared with the same period in 2022, with the TOP3 three cities increasing in turn: Wuhan, Shanghai and Changchun.

Congestion index: refers to the ratio of the time spent in the congestion period to the time spent in the unblocked period when passing a certain distance. The higher the index, the more congested the road section is. According to traffic data, at 18: 00 on March 22 this year, the average speed of the West Road of Wuhan Garden Expo Park was only 5.55 km/h, which was equivalent to the walking speed. The congested sections such as Hangkong Road Interchange and Zhuodaoquan North Road followed closely, and the average speed was less than 10 km/h. On that day, Wuhan’s commuter congestion index ranked fourth in the country.

The South Third Ring Road has become a "difficult" third ring road.

The Third Ring Road-the first real expressway in Wuhan, with a total length of 91 kilometers, is the main channel for Wuhan people to commute across regions. Since the beginning of this year, many citizens have found that there are more cars on the Third Ring Road, especially on the South Third Ring Road and Xiongchu Avenue, and it takes longer to drive on the road.

The reporter found out that the biggest commuting pressure in the morning and evening is between Qingling Interchange and Guanggu Interchange, including Wenhua Avenue Interchange, Miaoshan Interchange and Guanshan Avenue Interchange, which are also called "difficult" by old drivers. Compared with the same period of last year, the congested road sections and transit time here have increased. According to the traffic control department, the traffic flow of the South Third Ring Road has exceeded its normal capacity, with the morning peak flow of nearly 21,000 vehicles on weekdays and the running speed of only 7.7 kilometers per hour; The evening peak flow is 22,000 vehicles, and the running speed is 11.3 kilometers per hour. The morning and evening peaks are in a state of serious congestion, and the average congestion time is more than 4 kilometers.

According to the traffic police department, at present, the phenomenon of "separation of occupation and residence" in Hanyang, Sixin, Hongshan and Baishazhou areas in Wuhan is more obvious, while the connection between high-tech zones and other urban areas is too "dependent" on the main roads such as the Third Ring Road and Xiongchu Elevated Road, and the Third Ring Road also undertakes the dual traffic functions within the region and transit, resulting in prominent structural congestion and obvious tidal traffic, which is mapped to the surrounding roads.

In order to alleviate the congestion, the traffic control department of Wuhan has set up directional lanes on the two-kilometer section from Miaoshan Interchange to Laowuhuang Interchange on the main line of the Third Ring Road to reduce the interweaving of vehicles on the main line; In addition, the traffic organization was optimized and improved at the intersection of the high-rise ramp and the main line in Yangjiawan, which improved the traffic speed of vehicles on the bridge.

According to reports, since 2022, the traffic control department of Wuhan public security has counted 10 long-term blocking points, 10 regular blocking points and 15 short-term blocking points to improve traffic order and improve traffic efficiency in the form of "small incision+micro-transformation". At present, the blocking points such as Zhuyeshan roundabout, Youli interchange and Yuehu Bridge Qiaokou section have all been alleviated. With the continuous implementation of minimally invasive traffic congestion control, other blocked road sections in Wuhan are expected to be gradually cleared.

Traffic police appeal: civilized driving does not "add congestion"

According to statistics, by the end of February, the number of motor vehicles in Wuhan had exceeded 4.3 million. Among the eight cities with more than 4 million motor vehicles in China, Wuhan is the only city that has not adopted restrictions on purchase and normalization.

In order to cope with the huge traffic pressure on the road network with an average daily traffic volume of more than 2.4 million vehicles, Wuhan has deployed more than 3,000 police officers on duty every day in the elevated ring roads, bridges and tunnels, roads around scenic spots, and highways, and made every effort to intervene and deal with road congestion in advance.

"unblocking and ensuring smoothness" depends not only on the traffic police, but also on the participation of the whole people. Wuhan traffic police tip: uncivilized traffic jams, driving to watch mobile phones and other driving behaviors are likely to cause vehicles to rub and lead to traffic disorder. Traffic accidents not only cause personal and property losses, but also affect road traffic capacity. Call on citizens to drive vehicles in a civilized and standardized manner!

Changjiang Cloud News reporter Qian Kai

Reporting/feedback

The National Ecological Environmental Protection Conference was held to draw a new picture of beautiful China.

  Beijing, May 20 (Reporter Liu Huimin) According to the Voice of China report, the National Ecological Environmental Protection Conference was held in Beijing from 18th to 19th. This is the first national conference with the theme of ecological environmental protection since the 18th National Congress of the Communist Party of China, and its importance is self-evident.

  At the meeting, General Secretary of the Supreme Leader delivered an important speech, comprehensively summed up the historic achievements and changes in China’s ecological civilization construction and ecological environment protection since the 18th National Congress of the Communist Party of China, profoundly expounded the great significance of strengthening ecological civilization construction, clearly put forward the important principles that must be adhered to in strengthening ecological civilization construction, and made comprehensive arrangements for strengthening ecological environment protection and fighting a tough battle against pollution. What important information was released at this conference? How to draw a new picture of beautiful China in the future?

  From 1973 to 2011, China held seven national environmental protection conferences. The word "ecology" was added to the name of this year’s conference for the first time, and the conference specifications exceeded the past. Lu Jun, Party Secretary and Vice President of the Environmental Planning Institute of the Ministry of Ecology and Environment, believes that this shows that the central government attaches great importance to ecological environmental protection.

  The army said that this meeting was the first national ecological environmental protection conference convened by the CPC Central Committee. Adding the word "ecology" is also related to institutional reform. Simple environmental protection can’t solve big problems, and it must be combined with ecology. "All the Standing Committee members in Beijing attended, and the General Secretary of the Supreme Leader delivered an important speech. It should be said that the specifications are unprecedented. The meeting systematically and completely put forward the supreme leader’s ecological civilization thought, which I think is also the most important achievement of the conference. "

  Since the 18th National Congress of the Communist Party of China, the CPC Central Committee with the Supreme Leader as the core has carried out a series of fundamental, pioneering and long-term work to promote historic, turning and overall changes in ecological environmental protection. In his speech, the General Secretary of the Supreme Leader pointed out that, on the whole, the quality of China’s ecological environment has continued to improve, showing a steady and positive trend, but the results are not stable. He also used "critical period", "critical period" and "window period" to describe the current situation faced by ecological civilization construction.

  Wu Shunze, secretary of the Party Committee and director of the Environmental and Economic Policy Research Center of the Ministry of Ecology and Environment, said that the description of the "three phases" not only talked about the arduousness of the task of waiting for no one, but also talked about the extreme importance of accelerating the completion of the shortcomings of ecological protection, and also talked about the objective foundation with conditions and capabilities. Unify thoughts for the whole party and the whole country, face difficulties and strengthen confidence.

  General Secretary of the Supreme Leader emphasized that the ecological environment is a major political issue related to the mission and purpose of the Party and a major social issue related to people’s livelihood. To promote the construction of ecological civilization in the new era, we must adhere to six principles.

  Wu Shunze believes that these six principles are actually the essence of the supreme leader’s ecological civilization thought. He said: "The first one insisted on the harmonious coexistence between man and nature. You can’t just talk about taking from nature, but don’t talk about input; Can’t just talk about utilization, not repair; We can’t just talk about development, not protection. The second one insisted on Lucid waters and lush mountains are invaluable assets. This is related to the core path, and actually reveals the essential relationship between development and protection. The third insistence is actually about who and the purpose of development. This time, it is clearly put forward that ecology benefits the people, ecology benefits the people and ecology serves the people, which is the most fundamental starting point or foothold of development. The fourth systematic thinking, which insists on overall consideration and overall policy, is actually a question of basic strategy and methodology. The fifth insistence points out a key point. We must take reform and innovation as the fundamental driving force, improve the institutional system and enhance the binding force of the system. The sixth insistence involves a global outlook, and building an ecological civilization is the common dream of mankind. "

  In his speech, General Secretary of the Supreme Leader also proposed to speed up the construction of an ecological civilization system. The Army said that, specifically, the ecological civilization system referred to by the Supreme Leader General Secretary includes five aspects: ecological culture system, ecological economy system, target responsibility system, system of ecological civilization system and ecological security system. Among them, many are new formulations.

  The army said that speeding up the establishment and improvement of an eco-cultural system based on ecological values has never been mentioned before and should be raised to a cultural level. The eco-economic system with industrial ecologicalization and eco-industrialization as the main body has laid the foundation for high-quality development. For example, how to turn green mountains and green hills into Jinshan Yinshan? There is a process in the middle, that is, to industrialize ecology and establish an ecological economic system. There are system of ecological civilization system and target responsibility system. Finally, an ecological security system focusing on the virtuous cycle of ecosystem and effective prevention and control of environmental risks is put forward, and environmental security and ecological security are regarded as an important part of China’s overall security. In the army’s view, the construction of the five systems is several important contents of the next ecological civilization construction system.

  By speeding up the construction of an ecological civilization system, the Supreme Leader General Secretary clearly put forward the goals to be achieved by 2035 and by the middle of this century. Wu Shunze believes that these two phased goals are different in both degree and field.

  Wu Shunze analyzed that by 2035, the quality of ecological environment will be fundamentally improved, and the goal of beautiful China will be basically achieved. If you look closely, the goal of 2035 is basically that the ecological environment quality itself is more. As for the goal in the middle of this century, it is proposed that the ecological civilization will be improved in an all-round way, the green development mode and lifestyle will be formed in an all-round way, man and nature will coexist harmoniously, and the modernization of the national governance system and governance capacity in the field of ecological environment will be fully realized. In addition to environmental quality, it also involves the level of ecological civilization, the way of development and lifestyle, and the concept of harmonious coexistence between man and nature, including the modernization of governance system and governance capacity, with more comprehensive fields and richer connotations.

  As an important part of the new development concept, green development was also mentioned again by the General Secretary of the Supreme Leader at the meeting. The General Secretary of the Supreme Leader also stressed that solving outstanding ecological environment problems should be regarded as a priority area of people’s livelihood, including winning the blue sky defense war, implementing the action plan for water pollution prevention and control in depth, fully implementing the action plan for soil pollution prevention and control, and continuously carrying out rural human settlements improvement actions.

  Wu Shunze analyzed: "The air, water, soil and rural areas are actually the shortcomings of the ecological environment, or one of the shortcomings of building a well-off society in an all-round way is the ecological environment, and the shortcomings of the ecological environment are concentrated in these key areas. In fact, since the 18th National Congress of the Communist Party of China, these aspects have also been the key areas that we have made great efforts to promote. In other words, on the basis of past work, we should continue to attack hard, highlight key points, speed up the filling of shortcomings, and achieve such an effect of building a well-off society in an all-round way. "

  The General Secretary of the Supreme Leader also pointed out that it is necessary to effectively prevent ecological and environmental risks, accelerate the reform of the ecological civilization system, and improve the level of environmental governance. He stressed that it is a big battle, a tough battle and a bitter battle to fight the tough battle against pollution, with tight time, heavy tasks and great difficulties, and the leadership of the Party must be strengthened. The main leaders of local party committees and governments at all levels are the first responsible persons for ecological environment protection in their respective administrative areas. For those leading cadres who damage the ecological environment, we must really pursue responsibility, dare to pursue responsibility, and strictly pursue responsibility, so as to achieve lifelong accountability.

  Wu Shunze believes that to fight the battle against pollution, party committees and governments at all levels and their relevant departments must shoulder the political responsibility of ecological civilization construction and ecological environmental protection. It is in line with objective laws and basic national conditions to regard the results of ecological environment assessment as an important basis for cadres’ rewards and punishments and promotion and use, and to implement lifelong accountability, which is also a "bull’s nose" to solve China’s ecological environment protection system and the biggest institutional magic weapon. Two of them are very important, one is negative example, the other is positive motivation. It is necessary to severely punish a number of negative examples, and sometimes it is better to publicize it a thousand times than to be accountable. At the same time, the positive incentive effect is also very important, so that those who improve the environment will benefit and cadres who make greater efforts to improve the quality of the ecological environment will be promoted. It is necessary to weaken the baton function of GDP assessment, and at the same time strengthen the baton function of green performance assessment, and form a correct view of performance through assessment and accountability. In this way, there will be a good foundation for fighting a tough battle in the next 2-3 years.

Waste oil has a new use, and this technology has turned it into second-generation biodiesel.

Recently, the Qingdao Institute of Bioenergy and Process of Chinese Academy of Sciences (hereinafter referred to as Qingdao Energy Institute of Chinese Academy of Sciences) has received good news: the institute and Shijiazhuang Changyou Bioenergy Co., Ltd. of Hebei Changqing Group have jointly overcome the problem of transforming the fluidized bed homogeneous hydrogenation process to produce second-generation biodiesel, and successfully started the production of second-generation biodiesel in Changyou Bioenergy Company with a scale of 200,000 tons/year, marking that ZKBH homogeneous hydrogenation technology of Qingdao Energy Institute of Chinese Academy of Sciences has become the first technology in the world to successfully mass-produce commercial second-generation biodiesel by liquid molecular catalysis.

As the inventor of ZKBH’s second-generation biodiesel technology and the director of Changyou industrialization project, Dr. Chen Song, a researcher at Qingdao Institute of Energy, Chinese Academy of Sciences, said happily that at present, all the operating indexes of the plant are stable, and the biodiesel yield can reach over 80% in production, reaching the world advanced level, and the product quality meets the standards for exporting to the European Union.

Independent innovation of ZKBH homogeneous hydrogenation technology

Replacing traditional energy with new energy, replacing scarce energy with superior energy, and replacing fossil energy with renewable energy … China is facing an urgent task of developing alternative energy.

However, worldwide, the production technology of the second generation biodiesel is difficult, and all the existing mainstream devices adopt fixed-bed production. The fixed-bed hydrogenation technology is the most widely used and fastest-growing hydrogenation technology in industry at present. However, the fixed-bed hydrogenation requires higher raw materials, and the catalyst is easy to lose its activity, especially for oil with high phosphorus and silicon content, which is easy to be poisoned and reduce its reaction activity, resulting in limited output. However, the raw materials for biodiesel production are complex, with many impurities and high acid value, so it is difficult to directly use fixed bed hydrogenation. Chen Song said that ZKBH homogeneous hydrogenation technology draws lessons from the advantages of suspended bed and fluidized bed residue hydrogenation, and solves the problems that solid catalyst is easy to lose activity and treat bio-oil is easy to pulverize by developing efficient liquid catalyst. At the same time, liquid catalyst can perfectly cooperate with semi-ceramic water-resistant solid catalyst independently developed by Qingdao Energy Institute of Chinese Academy of Sciences to achieve high yield and ensure the long-term operation stability of industrial devices. He believes that the spring of renewable energy and biomass fuel in China is coming soon.

Industry-University-Research combines flowering and fruiting.

Chen Song said that the raw materials of the first generation biodiesel and the second generation biodiesel are the same, but the production process is quite different. The first generation biodiesel is fatty acid methyl ester produced by transesterification technology, and the production process is simple. The second generation biodiesel adopts catalytic hydrogenation process, and the products obtained have different chemical structures, which belong to clean and high-quality hydrocarbon second generation biodiesel obtained by clean hydrogenation process. Compared with the first generation biodiesel, namely fatty acid methyl ester, the second generation biodiesel is identical to diesel in chemical structure, with similar viscosity and calorific value, equivalent oxidation stability and lower emission advantages. It belongs to the same hydrocarbon as petroleum-based diesel oil, which does not affect the storage and transportation of diesel oil, the engine and tail gas treatment, and has higher quality. At the same time, the CO2 emission of the second-generation biodiesel is lower than that of diesel, which can reduce the limited and unrestricted pollutant emissions (including SOx and NOx), reduce the particulate matter emissions, greatly reduce the engine scaling, and significantly reduce the noise.

Talking about the R&D and production process of the second-generation biodiesel technical achievements, Chen Song said that this technical achievement embodies the wisdom and hard work of the team and is the result of the combination of Industry-University-Research.

At the beginning of 2020, Shijiazhuang Changyou Bioenergy Co., Ltd. sought the second-generation biodiesel production technology, and after investigation, it was admired for exchanges and cooperation with Qingdao Energy Institute of Chinese Academy of Sciences. Qingdao Institute of Energy, Chinese Academy of Sciences put forward ZKBH industrialization technical transformation scheme of liquid catalytic fluidized bed hydrogenation coupled with solid catalytic hydrodeoxygenation upgrading, which was immediately launched in Changyou Bioenergy Company, with the first phase of treating 200,000 tons of biomass oil to produce the second generation biodiesel.

After three months of repeated debugging and experiments, the teams of both parties worked together. After all the equipment adjustment and technological process transformation were completed on site and the first batch of liquid catalyst and supporting biodiesel solid upgrading catalyst were delivered to the site, on July 30, the device was officially tested and started, and the feed was switched to 8 tons/hour at a time. The first raw material was biomass raw material with domestic waste oil as the main component. On August 6th, the product was officially produced. The second-generation product, biological product, was water-white, with a density of 0.7903, cetane index close to 100, and sulfur and nitrogen were all less than 5. After being sent to relevant institutions in Shanghai for testing, the product reached the EU standard for biodiesel export, and all the product indicators met the standard. (Reporter Wang Jiangao)