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.

Aaron posted on social media.

1905 movie network news According to Taiwan Province media reports, there was a strong earthquake in Taiwan Province recently, and many stars reported their safety in succession. Aaron, who cares about current events, mentioned the theory of "rainy earthquake" on social media, and was deleted after being scolded by netizens for his "low IQ". He issued a statement at noon on the 20th to clarify, and quoted Guo Kaiwen, director of the Earthquake Prediction Center, to support the discussion. Unexpectedly, Guo was slapped in the face, and he was bombarded by netizens for "never admitting his mistake" and ridiculed that he was a "geologist". At around 6 pm on the 21st, he apologized, admitted his mistake and made a mistake on Facebook.

It’s not the first time that disaster comes from the mouth.

Aaron, who was besieged by netizens only last month for insinuating that Ke Wenzhe "has no tutor", caused a storm the night before last because of his Facebook post about earthquakes. He posted a post on social media the night before last, saying that "it didn’t rain for a long time, and this week’s crazy rain made the dry soil wet, so the soft geology caused earthquakes today". Although he emphasized his own observation, this theory of "rainy earthquakes" attracted a large number of netizens to ridicule him for his low IQ.　

Female netizen Kennie explained to him that the plate movement and compression were the cause of the earthquake, and he asked, "Do you study geology?" The dialogue was taken screenshots, and netizens interpreted his choking voice and attracted negative comments. They also spoofed the words to synthesize his photos and put them in posters.　

A five-point statement was refuted.

Aaron got up early on the 21st to clarify three articles in succession, and the third article made a five-point statement, mentioning that he had never made it clear that there was an absolute connection between rain and earthquakes. He also suggested that Guo Kaiwen, director of the Earthquake Prediction Center, said in his report that "the geology is soft and the groundwater level is high, and the seismic waves appear amplification effect", deliberately emphasizing that his argument was well-founded. Unexpectedly, Guo later slapped him with "the geology is soft and has nothing to do with crustal movement", and netizens continued to sneer at him and refused to admit it.　 　 　

Being sprayed, I have no choice but to apologize.

Aaron posted an apology on social media at 6 o’clock on the evening of 21st, saying, "I can really be cautious about throwing out an unproven theory to discuss with my fans, and I haven’t explained or added information sources or supporting information, which has caused people to worry about confusing students’ misconceptions. I’m sorry." At the end of the article, I also noted: "It has been proved that the exact cause of yesterday’s earthquake is plate compression."

Aaron, who has been concerned about social issues such as equal rights in marriage, black-hearted oil, and difficulties in getting back to aviation, is he considering going into politics? He said that he had gone to Heaven to ask if he was suitable for politics, but the interpretation of the signature was not suitable, so he would not consider it.

Some netizens said: "At this level of education, you won’t even consider going into politics, will you?"　

　

　　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.