Special feature of 1905 film network　In the early 1990s, a Buddhist relic returned from Japan was involved in a shocking scam … …

Through a series of novels, a vast antique river and lake has been created, and elements such as antique identification, collection, forgery and game setting have been fused in one furnace. The film Antique close encounter of mahjong is adapted from the "Buddha’s Head Mystery" in Ma Boyong’s series of novels.

The subtle "close encounter of mahjong" brings people into the immersive puzzle solving scene. Everyone sets up a game, and there are games everywhere. After the clues are stripped off layer by layer, the puzzle finally surfaced, giving you a sense of substitution when you are watching movies.

Treasure the treasure.

　The competition is wonderful.

Most of Ma Boyong’s works have detailed and vivid descriptions of scenes, details and sense of time. Guo Zijian, the director, chose to use the form of "literary drama and martial arts" to make a game of antiques, and visualized the description of a large number of antique knowledge in the original book, such as popular science and treasure collection. Make a wish and take medicine. Otherwise, the verbal confrontation in treasure-hunting and treasure-hunting is handled like a martial arts master’s confrontation. This looks like treasure-hunting bickering, but it takes the rhythm of an action movie, combined with the soundtrack, which is of great ornamental value and visual sense.

In the wonderful treasure competition, the director also showed the exquisite details of various antique treasures through vivid and excellent special effects. The film vividly presents the antique wonders that we can’t usually see, such as flying dragons and glaze rendering, on the screen. An immersive experience makes us seem to see "a piece of cultural relics come alive in front of us".

all linked with one another

Play antique Jianghu.

The actor’s wishing is dressed in a cotton-padded jacket coat, which is informal, and the "Northeast chuai" is a school of its own, with a unique sense of joy. He seems cynical on the surface, but he becomes calm, reliable and unexpected when he breaks the treasure hunt;

In order to better play the role of medicine or not, I studied the knowledge and gestures of treasure identification with the antique teacher and mastered a bunch of rare technical terms. Huoling showed a medicine or not that is good at using "science" to identify the authenticity;

Huang Yanyan, who plays the role of "bait" to resolve the crisis, declares to everyone that "this woman is not easy to provoke" with her short hair and sharp eyes;

The transformation without losing humor in one go shows the smoothness of Fu Gui, a "quack".

The "Treasure Squad" is closely linked, and the performances of the four people are very tense, which makes people feel quite substituted. After watching the movie, many viewers praised "Lei Jiayin changed from decadence to firmness in one go", "Li Xian is medicine or not", "Xin Zhilei expressed the bravado of yellow smoke too well" and "Uncle Ge really has his own humorous temperament" … …

A freshman has just received accommodation equipment and stepped into the dormitory.

At the beginning of the new school year, the number of express delivery sites on campus has increased, and many freshmen buy school equipment online.

　　Tmall big data platform shows that mobile phones, computers and tablets have become the "old three kinds" of college freshmen’s entrance equipment, and in 2019, college students added "new three kinds" to their school bags — — Electronic book, massager, balance car.

　　In those days, the generation who went to the university campus with big packages on their backs mostly contained necessities, such as clothes, bedding, rice bowls, washbasins, kettles and enamel jars, leaving some places full of books. Today’s "post-00" college students bring fashion consumer goods to school. In recent years, college students’ entrance equipment has undergone great changes, not only the equipment has changed, but also the luggage they have reported to the school is simple, and "sending" and "arriving empty-handed" have become new fashions, which reflect the changes of fashion.

　　Change: Two Generations’ Way to School

　　In recent days, the little brother who delivered the courier for Tianjin Foreign Studies University has been very busy, which is more than 30% more than that on weekdays. As the school registration date approaches, the courier volume is still increasing. In his observation, many names are seen for the first time, and the telephone number is also a foreign number. Brother told reporters: "With years of experience, these are the express mails of freshmen. Many freshmen are often people who have not yet arrived in Tianjin, but the express delivery has arrived first."

　　It is not unusual to buy equipment before school starts. It was like this in the past and it is still like this now, but what to prepare and how to prepare it are worlds apart.

　　According to Meng Fanwei, a citizen, "In 1991, I went to Heilongjiang to go to college. My mother couldn’t sit still for the first time. This summer, she was completely immersed in needlework, making quilts, cotton jackets and cotton trousers for me, for fear that I would freeze in the northeast." He clearly remembers that due to his thin body, when boarding the train, he was almost dropped by the big quilt behind him. In addition to heavy quilts and cotton-padded clothes, the dry food along the way is also full. "I remember that eating children’s intestines was just popular at that time. My mother bought me a large handful, cooked tea eggs, prepared lunch meat and wrapped it in a big cake." Mr. Meng recalled, "My mother kept nagging when I left the house. You said how good it was to apply for a local university and had to run so far, which made me miss it." While talking, my mother’s tears came down. "At that time, there was no such convenient communication equipment. When I arrived in Qiqihar, I quickly found a public phone to report my safety at home. The phone had to be transferred to my father’s unit." Mr. Meng said.

　　He further explained that compared with his brother who went to college in 1988, his equipment had been upgraded, but that upgrade was still a supplement to basic life; Nowadays, college students’ equipment has surpassed the basic needs of life and turned into the vane of market consumption trend.

　　In 2019, 28 years later, Meng Fanwei’s daughter will go to Anhui to study. Near the beginning of school, Mr. Meng urged his daughter to prepare her bags quickly, and her daughter said impatiently, "What’s the hurry?" Just hold your horses, I have my own plans. " Before leaving, my daughter put some simple clothes and electronic equipment in her luggage case, and everything was waiting to be bought online after she arrived at school. Mr. Meng reminded his daughter to bring some Tianjin specialties to her roommates, so as to draw closer the friendship between classmates. I saw my daughter holding a mobile phone and saying, "I’m one step ahead of you, and everything has been arranged properly!" "

　　Mr. Meng said humorously, "To sum up my daughter’s experience of going to college in two words, that is, starting school ‘ Send ’ And empty-handed ‘ To ’ . I joked that she didn’t have any sense of ceremony when she traveled alone for the first time. "

　　There was no tears when I saw you off. My daughter patted vlog (video diary) along the way, recording what she saw and heard on her way to school. Jinan punched in! Qufu punches in! Punch in Bengbu! These short videos haven’t been enjoyed yet, and my daughter has arrived in Hefei from Tianjin. "We share our position at any time in the family group and can clearly see our daughter’s action track." Mr. Meng told reporters, "My wife and I gave our daughter more encouragement, praising her for being so successful on her first trip alone and being proud of her."

　　We are always talking about change, and the experience of two generations on their way to school is a very typical case. Children travel thousands of miles, and their mother’s affection has never changed. However, because the lifestyle has changed, when the children’s action trajectory is well known, when the children’s bags are getting easier and easier, and when the future college life is becoming more and more convenient, the pain of lovesickness has also become a kind of sweetness.

　　Upgrade: the speed is getting faster and faster

　　Different eras have different school equipment, and the memories spanning decades are really intriguing and worth pondering.

　　A backpack, a box and a net bag filled with thermos bottles, washbasins and rice bowls were the equipment of college students in the 1950s. In the 1960s, a pen, a change of clothes, and a large rice bowl were considered as the top editions of university equipment. By the end of 1970s, when the college entrance examination was resumed, pens, washbasins, bedding and enamel jars were still essential items for some time. Putting a pen in the pocket of the tunic suit was a symbol of that era, and some students with superior family conditions inherited a watch from their parents.

　　Guo Xiaoling, a citizen, and reporters recalled that she was admitted to the university in 1987. "Because she was admitted to the university successfully, my mother gave me the watch she was wearing. At that time, it seemed like a gift. " Ms. Guo talked about this watch, which is of extraordinary significance. It was bought by her father with the "private money" accumulated for many years. Because she was admitted to the university, her mother put this "heirloom" on her daughter’s wrist as soon as she was happy.

　　Ms. Guo said: "In addition to the necessary daily necessities, I have to take food stamps to report to school when I go to college. Because I am studying in Tianjin, I just need to bring Tianjin local food stamps, and those students from other places have to look around for national food stamps. By 1990, I had ‘ Half a car ’ Bicycles, my mother and I use them as needed. I remember that I didn’t have a bike of my own until I graduated from college. At that time, I bought a 24‘ from Tonglou Department Store. Kunche ’ 。”

　　Although the age is different, all university equipment is centered on the needs of life such as food, clothing, housing and transportation. In the 1990s, especially after the new century, college students’ entrance equipment developed rapidly as if they were riding the "shenzhou spaceship".

　　From walkman to CD player, it will be updated in four or five years; From pager to mobile phone, it will be replaced in five or six years; From desktop computers to notebook computers, it is upgraded almost once a year; From a bank card to mobile phone scanning code payment, the way of spending money is also updated. Today’s college students, with smart phones in their hands, tablets on the tables, and the latest laptops, are shuttling between teaching buildings on the balance car and returning to the dormitory for a full-body massage to relax.

　　The entrance equipment is imprinted with the memory and emotion of several generations of college students. The starting point of these changes is that the people are rich in hand. According to the data released by the National Bureau of Statistics, at the beginning of the founding of New China, the per capita disposable income of Chinese residents was only 49.7 yuan. In the past 70 years, the income of urban and rural residents has increased substantially, and the consumption level of residents has improved significantly. By 2018, it has reached 28,228 yuan, which is nearly 60 times higher in real terms after deducting the price factor. At that time, the entrance equipment did not look advanced today, but at that time it was already the best in the family; Nowadays, before college students enter school, parents have already prepared the funds for purchasing equipment, and spending money is no longer stretched. This is change.

　　Idea: "single-plank bridge" becomes "overpass"

　　Material life is changing, and ideas are also changing with the times.

　　In the interview, the reporter saw that some students sat on the grass of the school playground and recorded their life scenes on the first day after arriving at school with drones. Other students said that in addition to studying in college, they should be fully armed, get their driver’s license as soon as possible, and let themselves go out of school to be an all-round player. Equipment upgrade, concept upgrade, what is college for? People who study in universities in different ages have different answers to this question.

　　At the beginning of the founding of New China, college students devoted themselves to the construction of new China. After the resumption of the college entrance examination in 1977, those college students deeply understood the powerful force of "knowledge changing fate"; In the 1990s, people born after the reform and opening up went to college. These college students experienced the competition of "single-plank bridge" and learned that "the world is as big as the stage is". Today’s college students have already integrated their thoughts into the world. Studying in college means that life has entered the fast lane, and there will be overpasses in the future, and there will be more roads for them to choose from.

　　In the past 70 years, China’s higher education has been developing continuously. In 1952, colleges and universities across the country began to implement the national unified entrance examination, and a total of 66 thousand freshmen were admitted that year. In 1977, the college entrance examination was reopened, and 5.7 million candidates entered the examination room, with an admission rate of 4.8%. By this year, tens of millions of candidates across the country have taken the exam, more than 8.35 million candidates have entered universities, and the admission rate has reached more than 80%. Higher education has been popularized.

　　There will be doubts and criticisms about the upgrading of college students’ entrance equipment, and they think that college students should stick to the tradition of hard work and plain living and practise economy in entrance equipment. Times are different, and excellent traditions should be inherited and carried forward, but the optimization and upgrading made to adapt to the changes of the times is actually more worthy of encouragement. It is necessary to remind students that no matter how much we spend, we should do what we can according to our family situation, and we should not pay too much attention to the brands or fashions of consumer goods, but should pay more attention to their practicality and cost performance. Moreover, when entering the university gate, while enjoying a happy life, I have a sincere gratitude for painstakingly cultivating my parents. The society should also look at the changes of college students’ entrance equipment with an inclusive heart, from which we can feel the gratifying progress of our society and look forward to a better future!

　　Photo/Text Reporter Yi Jian

　

　　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.