Text | Entertainment Capital Theory is not empty

A letter of complaint revealed the true appearance of the hot water and corpses of the snack industry.

On December 6th, according to the report of Red Star Capital Bureau, the "No.1 high-end snack" boutique shop formally filed a lawsuit against Yichun Zhao Yiming Food Technology Co., Ltd. (hereinafter referred to as "Zhao Yiming Snacks") in the people’s court on November 27th on the grounds of "concealing important matters of the company and damaging the right to know of minority shareholders". At present, the court has accepted the case.

At this point, the first shot of high-end brand snack merchants and discount snack shops officially started.

According to earlier news, the competition between the two forces has long been revealed. By "concealing the company’s major events", Liangpin Store refers to the merger that happened at the discount snack track. In November this year, the two leading players of discount snacks were very busy and Zhao Yiming Snack Store announced the merger, which will jointly build the largest discount snack brand in China, and the industry power should not be underestimated.

However, Liangpin Store, as one of the shareholders of Zhao Yiming Snacks, was hastily "parted" by Zhao Yiming Snacks, but was informed of its merger with its competitors. A good shop that suffered from "backstab" went to war with a paper book.

The discount snack shop with "low price" as the spear has become the strongest force in the snack track and entered a period of rapid expansion. Snacks are very busy. In the first half of this year, 1,000 stores were added. Another snack brand, Youming, also announced that the number of stores will exceed 16,000 in 2026.

After the cost performance has become the key driving force of consumption, the outward expansion of discount snacks is also frequently putting pressure on high-end snacks, which have to fight back through structural price reduction. On November 30th, Liangpin Store implemented the largest price reduction in 17 years. The average price of its 300 products was reduced by 22%, with the highest drop of 45%. Online celebrity Snacks Three Squirrels has been playing the strategy of "high-end cost performance" since last year.

At one end, it is a snack shop that is expanding at a low price, and at the other end, it is a high-end snack brand that strives for survival at a low price. The snack track with accelerating low-price competition is facing a brand-new battle of survival torture.

01 Online channel dividend peaked, and high-end strategy failed.

The well-known snack brands in online celebrity, such as the "Big Three Snacks" represented by "Good Shop", "Three Squirrels" and "Herb Flavor", either started during the bonus period of e-commerce or took advantage of the outlet of entertainment marketing to describe a similar development vein.

Three squirrels, born in the period of rapid development of e-commerce, have sprung up with low-cost online e-commerce channels and quickly occupied the category of nut snacks. Subsequently, the three squirrels used entertainment marketing as a lever, including signing TFBOYS endorsement, launching and implanting in the annual explosion of "Ode to Joy" and other film and television comprehensive, further amplifying the brand influence.

Since 2010, the investment in online marketing has also increased year by year. On the one hand, Baicaowei’s efforts in spokesperson marketing and popular film and television comprehensive delivery are not far behind. From official announcement of Jackson Yee to cross-border variety shows, it takes advantage of the entertainment topic to enhance brand awareness; On the other hand, Baicaowei has also begun to build a communication position on social platforms, and has been deeply cultivating its content on younger social platforms such as bilibili and Xiaohongshu.

While effectively opening up the brand volume, marketing investment has also brought some pressure on product pricing. Coupled with the pursuit of fine packaging and design, under the superposition of various factors, snack brands that once opened the online market at a low price began to anchor the "high-end upgrade" route, and prices also rose with the trend.

Until 2021, with the peak of online traffic, several snack brands on the deep cultivation line were in trouble one after another.

On the one hand, the cost of online traffic has soared, and the conversion effect is no longer radical. Snack brands nourished by online channels are naturally the first to bear the brunt. According to the financial report data, the performance of the three squirrels has declined year after year. In the third quarter of this year, the revenue of the good shop decreased by 4.53% and the net profit decreased by 98%.

A snack brand revealed to the chopped pepper that, in fact, double 11’s big promotion is often "making money at a loss" for the brand, and there is not much room for profit. The real appeal of the brand’s painstaking efforts is actually the list recommendation mechanism in Taobao Station, with the help of list traffic to store water for the subsequent New Year Festival. Leisure snacks are cyclical products, and the profits of the three giants who position high-end snacks often come from the demand stimulation of big nodes.

On the other hand, the vertical snack brand, which emerged from the live e-commerce, successfully divided the market share with the logic of big single product and launched an attack on the good shops. Wang Xiaolu, with a tiger skin wind claw, sold out all the goods for the New Year Festival when she first boarded the live broadcast room in Li Jiaqi. Since then, she has become a frequent visitor to the live broadcast room. Wei Long, relying on a 50-cent spicy bar, frequently went out of the circle and occupied the snack list of consumers’ daily life scenes.

Contrary to the logic of big single products, it is the whole category snack brand represented by good shops. This kind of brand is rich in SKUs, trying to meet the diverse purchasing needs of consumers and better matching the strong demand for holiday gifts, but it is difficult to enter the normal consumption scene.

At the same time, the operation mode of the snack giant OEM has also laid a lot of hidden dangers for it. The snack brand with OEM as its main logic failed to build a perfect supply chain system, which not only lost the control of product quality, but also further lost its core competitiveness.

02 The offline channel is flourishing, and the horse race is threatening.

Different from the micro-situation of online channels, offline channels began to release vitality.

During the three years of the epidemic, the closing tide of large supermarkets and shops won a better opening point for snack supermarkets, further releasing the offline consumption power. According to Euromonitor statistics, the market size of the snack food industry reached 482.3 billion in 2022, and the e-commerce channel has developed rapidly since 2012. However, the offline market is still the main channel for the circulation of snack foods, with supermarkets accounting for 39.7%, becoming the most important purchase channel for snack foods.

As a fast-moving consumer goods, offline scenes face consumers directly, which is the natural center and contact point of snack circulation. Compared with the long-term online consumption pattern, the snack mass-selling stores that radiate in the radius of consumers’ activities and go deep into the community and supermarkets have a unique advantage of reaching. In other words, in the leisure snack track, consumers are more dependent on channels than brands.

More importantly, the survival mode of the foundry not only failed to help the three giants of snacks build a moat of products, but also made them fall into the quagmire of quality frequently. Discount snack shops and snack discount stores, which also focus on white-brand products, take advantage of price to achieve overtaking in corners through offline channels.

On the basis of the business model of temporary discount stores, snack hypermarkets further tap the potential of supply chain.

The most critical action is to master the initiative of supply chain. Different from the deep binding between discount stores and brands, snack hypermarkets decided to streamline the supply chain, remove the shackles of brands, sell white-brand snacks directly, and use low-price strategy to promote scale expansion, and then put pressure on upstream brands.

Compared with the high-end snack brands that hold high and play high, the large-scale snack mass-market stores with white snacks choose to break through the sinking market, forming obvious regional characteristics. Snacks started in Changsha, Hunan Province, and through intensive regional expansion, the number of stores exceeded 2,000 in five years. Zhao Yiming Snack Shop, which emerged in Jiangxi, has been deeply cultivated in Jiangxi, Anhui, Guangdong and other regions, and the momentum should not be underestimated; The Sugar Nest, which rose in Ran Ran, Xiamen, is located in coastal markets such as Guangdong and Fujian, and has more than 1,000 stores.

The sinking of snack discount stores has reached counties, townships and other areas, which is close to the blank market of big-name snacks. Snacks are Busy Brand Director Cao Meng revealed in an interview that snacks are busy and have more than 300 township stores.

The consumption increment of the sinking market and the scale effect of snack supermarkets help them win the advantage of supply chain, and further have the premium ability with brands, and brands begin to move closer to snack supermarkets.

Gan Yuan Food, a snack food company, has established cooperation with snack distributors such as Busy Snacks, Zhao Yiming, Youming Snacks, and Wife Adults. Yanjinpu’s financial report shows that snacks were very busy in 2022, and the system opened Wal-Mart with sales of 211 million yuan, becoming Yanjinpu’s largest customer; This year, Wei Long set up a business department to connect the discount channels for snacks, and plans to launch "customized channel packaging" and an independent price system.

In addition to traditional snack selling, prefabricated and instant food has also begun to tilt to the discount snack channel. The boundaries of snack chain brands are constantly expanding, and even the market share of traditional small shops and convenience stores is constantly being tested.

The "staking the ground" under the online snack discount store is particularly fierce.

"A small county town can open seven or eight snack shops in two months." Guo Can, a busy snack franchisee, joined a joint venture with his friends in May this year, and was busy with snacks, starting his first business. "I did my homework before joining, and I said that I would earn more than a thousand dollars a day, and I would be able to return to my book in one and a half to two years." What Guo Can didn’t expect was that just half a month after her opening, two similar shops appeared on the same street. "I directly separated more than half of the customers. According to this trend, I can’t return to this in three years."

Site selection is the key factor to determine whether franchisees can make profits. "Generally speaking, the surrounding areas of schools and communities are advantageous points, and the matching customer base is more accurate." However, there are many loopholes in the implementation of regional protection policies in snack supermarkets that have accelerated into the expansion stage. "Some brands will make it clear that there will be no same brand stores in the adjacent areas, but there are too many similar snack shops to control at all."

In Guo Can’s view, snack shops seem to be a simple business model, but they have invested a lot of money. According to a rough calculation, Guo Can has invested more than 900,000 yuan in just a few months. "The initial fee is 50,000 yuan, the deposit is 30,000 yuan, the decoration fee is 120,000 yuan, the shelf cashier equipment is 140,000 yuan, and the stock preparation is more than 200,000 yuan. These are all part of the initial investment."

In fact, behind the seemingly prosperous business of snack shops, the profitability is not impressive. According to the company’s announcement and official website data, the comprehensive gross profit margin of the stores with busy snacks and preferred snacks is only 18% and 22%, while the gross profit margin of the e-commerce business of good shops can reach 24%.

After the blind expansion of snack collection stores, the whole industry will also usher in price wars, store closures and major reshuffle. After tearing open the market through price, snack shops need to face long-term problems such as brand store operation and supply chain management, which is also an all-round test of enterprise operation and management.

03 Accelerate the integration, strengthen the brand, and the snack industry enters the reshuffle period.

In the path of rapid replication, expansion and rise of snack shops, the old diseases of fast iteration, strong reproducibility and no high product threshold of snack track are exposed.

"online celebrity snacks have a fast iteration speed. Once the products are developed and verified by the market, they will be copied by many parties and then fall into the dilemma of price comparison." An industry person sighed so much about chopped pepper. Low price is indeed one of the tried-and-true strategies to accelerate brand expansion, but from the long-term development of the brand, it is not the sustainable development path of the brand to continuously reduce prices and squeeze profit space.

The dependence of the snack industry on offline channels has been continuously verified. After the price war, the snack industry will usher in a competition and competition on the scale of the offline market.

Players of discount snack brands speed up the integration, make strong alliances through mergers and acquisitions, especially focus on the expansion of sinking market, and strengthen brand awareness while expanding market share. The strategic merger between Snacks Busy and Zhao Yiming Snacks in November is one of the signals. After the strong alliance, the number of its stores and their respective advantageous areas have also been merged. In fact, this is not the first merger of snacks. As early as the first half of this year, snacks were busy and they announced a strategic investment "just goods shop" to jointly develop the national market.

Wanchen Group, a food enterprise, acquired five brands of discount snacks in one breath in October this year, and merged the four brands of Lu Xiaochan, Yadi Yadi, Haoxianglai and Laiyoupin into "Haoxianglai". At the same time, Wife, a chain of discount snacks in Zhejiang, was formally merged into Wanchen Group.

Online snack brands have also begun to tilt toward offline channels. This year, good shops have accelerated the expansion of offline stores, and deliberately resisted the impact of offline channels of discount snack shops with the model of super-thousand-flat stores. Baicaowei has returned offline since 2019. Up to now, Baicaowei has exceeded 100 offline stores nationwide, accelerating the omni-channel integration of online and offline.

Predictably, the format of discount snack shops will not stay in the Warring States period. With the outward expansion of regional brands, the snack chain track will usher in the birth of a strong one.

On the product side, the quality moat is increasingly important for snack brands.

In the snack track where the iteration speed is accelerating, the shortest path for quality breakthrough lies in the outbreak of large items. Because of this, Wang Xiaolu has continuously increased the investment in tiger skin and wind claws, and Wei Long has continuously innovated in the category of spicy strips. While intensively cultivating large items, strengthening quality control is a top priority. After the tiger skin claw was verified, Wang Xiaolu did not hesitate to invest 1 billion yuan to build his own factory. Its purpose was to control the initiative and core competitiveness of the supply chain and maintain the leading edge of the category through strict quality control.

The snack industry, whose market structure is constantly changing, has also ushered in the era of brand power competition, and strengthening brand power has become the industry consensus.

For a long time, as a fast-moving consumer goods, snack brands have strong substitutability and insufficient brand power, which can not stabilize consumers’ cognition and stickiness, resulting in continuous impact and restructuring of the industry. Therefore, snack brands have attacked on the marketing side to build core brand power.

On the one hand, it is still one of the effective means to broaden brand awareness by entertainment marketing. In April this year, the snack was busy, and the official announced Zhang Yixing as the brand spokesperson, taking advantage of the voice of the spokesperson to strengthen brand building. Vertical snack brands such as Wang Xiaolu and Wolong Nuts have also increased the comprehensive content of TV dramas, taking advantage of entertainment topics, strengthening brand building and building brand influence.

On the other hand, user recognition and planting grass have also become an important part of building brand power. Snack brands put more emphasis on getting close to young consumers, and deepened their content around social media platforms such as Jikuai, Xiaohongshu and Weibo. Covering young consumer scenes has become a brand layout trend. The "Xiaolongren", who is often active in the comment areas of major social platforms, has paved the way for Wolong nuts to go out of the circle and become the best "golden father" in consumers’ hearts through social media marketing.

Generally speaking, the future of the snack industry is still full of many uncertain factors: the other side of the discount snack shops is the dilemma of homogenization competition, and online celebrity snacks have been deeply involved in the Internet all the year round but neglected the cornerstone of supply chain construction. The competition between these two forces has not yet been concluded. What is certain is that under the industry competition, snack brands are also speeding up their thinking, making up the shortcomings in brand power and product innovation ability, and looking for a sustainable development path.

Speaking of which, many friends should know that BMW X5 has a famous name: the king of roads. Since the birth of the BMW X5, this resounding reputation has been accompanied. But I didn’t expect that with the rise of independent brands, it actually adopted the name of the brand-new king of roads.

Recently, a new generation officially ushered in the listing. At the press conference, Chery executives enthusiastically introduced to the guests that all those who bought joint venture brands had come to buy Chery, and claimed that Tiggo 9 was ahead of BMW X5 in an all-round way and was the king of new roads. Some netizens openly ridiculed that the BMW X5 was no longer fragrant. I have to say that domestic brands are really more and more daring to say.

Tiggo 9 ushered in 25 models in September this year, with a guide price of 152,900-209,900 yuan. At present, the terminal has a discount of 10,000 yuan, and the entry price after the discount is in the early 140,000 s.

Power system, the new generation of Tiggo 9 is equipped with a 2.0T+7-speed wet dual-clutch gearbox and a 2.0T+8-speed manual transmission. The power performance is of course very strong, because this is a 2.0T Kunpeng power system with a maximum power of 192kW and a peak torque of 460 N m. Why is it better than BMW X5? Mainly chassis configuration, the new generation Tiggo 9 not only has four-wheel independent suspension, but also is equipped with CDC electromagnetic suspension technology. Coupled with good conditions, it can start quickly, turn without tilting, and have good road comfort after bumps. This is the main reason why manufacturers promote the super BMW X5.

In addition, the appearance design has also undergone drastic changes, and 25 new cars have been significantly upgraded compared with 24 models. The first thing to bear is that the area of the net has become more dense, and this design can significantly enhance the sense of honor. In addition, the width of the front part is further enhanced by the blackened grille that runs transversely through the front part.

Viewed from the side, the 19-inch wheel hub, the waistline running through the car body and the hidden electric door handle design really look very big. The tail is a square shape, and it also has a chrome-plated exhaust pipe with double sides, which is outstanding in strength. In the body data section, the length, width and height of the new generation Tiggo 9 are 4820/1930/1699mm and the wheelbase is 2820mm respectively. The new car has both a 5-seat version and a 7-seat configuration that Chery likes very much.

As for the internal design, some changes have also taken place. The central control part is matched with double suspended screens, and the chip of Qualcomm Snapdragon 8155, panoramic sunroof and intelligent assisted driving system are all standard. Even the wireless charging of mobile phones, multifunctional leather seats and Sony Audio are all standard, and the configuration is very full.

Judging from the configuration and power system of the whole vehicle, the 25 models of Tiggo 9 do have good strength, but is it really the king of roads? Even the BMW X5 doesn’t smell good?

　　Recently, 28-year-old Ashton Chen was exposed in a recent photo. After losing weight and shaping successfully, Ashton Chen has distinct facial features, and netizens have praised and commented: "Handsome! Finally found the peak of face value ","it looks like there is no long disability at all ~ "and" body shaping succeeded? " Great figure. "

　　

　　Recent photos of Ashton Chen

　　

　　Recent photos of Ashton Chen

　　Actors of all ages are required in the entertainment circle, and child stars are one of them. After all, it is an unchangeable truth to become famous as soon as possible. When we feel that time is a scalpel to the popular young actors, what is even more frightening is that time has also cut the child stars!

　　

　　Now 28-year-old Cao Jun has grown into a handsome and masculine tough guy. After graduating from college, he still chooses the career of actor.　

　　

　　In fact, compared with Cao Jun, who debuted in 1996, there was once a child star who was much higher than Cao Jun in appearance and popularity! He is Ashton Chen. He was born in the same year as Cao Jun, made his debut earlier than Cao Jun, became famous as a young monk, and looked better than Cao Jun when he was a child.

　　

　　In August, 1993, he co-produced the first film "Cyclone Boy" with Taiwan Province singer Jimmy Lin. In April 1994, he co-produced "shaolin popey ii messy temple" with Hong Kong movie stars Ng Man Tat and Adam Cheng, which made a box office achievement of 200 million in Taiwan Province.

　　

　　In 1995, Ashton Chen co-produced Invincible Stars with Ng Man Tat in Hong Kong, Gambling Saint with Eric Kot and Chingmy Yau, Ten Brothers with Zhong Zhentao and Sharla Cheung in Hong Kong, and Dragon in Shaolin with Hong Kong movie stars Yuan Biao and Luo Jiaying. Has been called Jet Li’s successor!

　　

　　Also at the invitation of the Hong Kong Film Association, as a special guest of the 14th film "Golden Awards", he presented awards to Jackie Chan, a world kung fu movie star!

　　

　　They also worked together in the TV series "Nine-year-old County Magistrate". At that time, Ashton Chen was obviously much cuter than Cao Jun.

　　

　　Later, Ashton Chen also took on Zhan Zhao in the TV series "Young Bao Qingtian", which should be the time when his face value was the highest. I didn’t expect to grow crooked with Ashton Chen!

　　

　　Fang Shiyu, a young hero, has grown horizontally. The most unbearable thing is that it has grown into a non-mainstream appearance!

　　

　　I had an affair with He Jie.

　　

　　By the time IP Man 2 was published, if you hadn’t looked at the cast list until he played soy sauce, could you recognize Ashton Chen as the soil and fat circle on the far right?

　　

　　The general rule in the entertainment circle is that child stars will still choose the actor road when they grow up, but it is difficult to continue their previous popularity. When they were young, they became very popular, and when they grew up, they disappeared from many people.

　　I still hope they can achieve something.

　　

　　For example, the little dragon people who used to be very fond of water grew up … …

　　

　　Daniel, the actor of Harry Potter, grew up like this when he was a child, and when he grew up … … It’s changed!

　　

　　INES Jr. in Qiong Yao’s drama INES is now … … Ah, stop talking.

　　

　　It may be strange for you to mention this name, but when it comes to the TV series "The Little Monk’s Real Name", you will surely realize that it was him! The quaint character was loved by thousands of audiences, and Cao Jun, who was only 8 years old at that time, became famous overnight. The next year’s sequel was broadcast again, and Cao Jun became the hottest child star at that time.

　　

　　After that, he starred in Nezha, the Lotus Boy, where he played Nezha, the spiritual bead.

　　

　　As a popular child star, he successively filmed dramas such as Nine-year-old County Grandfather and Prime Minister Little Gan Luo in the following years.

　　

　　In 2004, he starred in the costume drama "Lotus Lantern" shot by CCTV, and served as the first hero of the drama. In that year, the clever "Happy" suddenly grew up and talked about love in the play. Later, his news gradually decreased. I heard that he went to Fudan University to study. Talked about a girlfriend in college.

　　

　　CCTV News:The case of 2 deaths and 4 injuries caused by Maserati rear-end BMW in Yongcheng, Henan Province in July 2019 has aroused widespread concern in society. Shangqiu People’s Procuratorate accused three defendants on Maserati of endangering public safety by dangerous means, and plaintiffs Qiao Moumou and Wang Moumou filed incidental civil actions at the same time. Today (16th) morning, the Intermediate People’s Court of Shangqiu City, Henan Province held a hearing in yongcheng city.

　　△ the moment of the incident

　　The public prosecutor accused: At 19 o’clock on July 3, 2019, the defendants Tan Moumou, Liu Moumou and Zhang Moumou went to a kebab shop in yongcheng city for dinner and drinking. After the dinner, at 22: 22, Xu Zhang Moumou contacted the driver by phone. Before the driver arrived, Tan Moumou drove the NE5S55 Maserati levante SUV and pulled Liu Moumou and Zhang Moumou to leave, driving along several sections of Yongcheng City. After rubbing eight roadside cars in succession, Tan Moumou was forced to stop because he could not pass, and was discouraged by the surrounding people and the car owners who crashed. Liu Moumou and Zhang Moumou asked Tan Moumou to leave quickly. Tan Moumou ignored the dissuasion of the masses and rushed out to escape. When he reached the intersection of East Outer Ring Road and Yongxing Road, he chased the Yu N0182L BMW sedan waiting for the traffic signal at high speed, causing the BMW sedan to catch fire, causing the occupants Ge Moumou and Jia Moumou to die on the spot, and the driver Wang Moumou was seriously injured. Tan Moumou, Liu Moumou and Zhang Moumou were arrested by the public security organs on the spot. On August 13, 2019, the procuratorate approved the arrest of three people.

　　The public prosecution agency believes that the defendant Tan Moumou continued to drive in a collision despite dissuasion after a traffic accident caused by drunk driving, causing heavy casualties and economic losses. The defendants Liu Moumou and Zhang Moumou knew that Tan Moumou was drunk and had an accident and still instigated him to escape, resulting in more serious consequences. The actions of the three defendants all constituted crimes of endangering public safety by dangerous means. In the joint crime, Tan Moumou is the principal offender, and Liu Moumou and Zhang Moumou are the accomplices.

　　During the trial, the public prosecution agency read out the indictment and produced relevant evidence, the defendant and his defender conducted cross-examination, and both the prosecution and the defense fully expressed their opinions. The plaintiff and his agent ad litem in the civil litigation attended the proceedings and expressed their opinions, and the defendant made a final statement. Due to the seriousness of the case, the court announced an adjournment and decided to pronounce the sentence. (CCTV reporter Zhao Kun is now in Zhao Lei)

　　Recently, some Internet financial platforms aim at university campuses, and through induced marketing, they issue Internet consumer loans to induce college students to spend too much, leading to the phenomenon that some students fall into the trap of high loans, which has attracted great attention from the regulatory authorities. On March 17th, Beijing Youth Daily learned that the General Office of China Banking and Insurance Regulatory Commission, the Secretariat of the Central Network Information Office, the General Office of the Ministry of Education, the General Office of the Ministry of Public Security and the General Office of the People’s Bank of China recently jointly issued the Notice on Further Regulating the Supervision and Management of College Students’ Internet Consumer Loans (hereinafter referred to as the Notice), which further standardized the supervision and management of college students’ Internet consumer loans from four aspects, earnestly safeguarded the legitimate rights and interests of college students, and deployed the supervision, inspection, investigation and rectification of college students’ Internet consumer loans.

　　It is reported that in the next step, China Banking and Insurance Regulatory Commission will work with relevant departments to implement the Notice, actively carry out investigation and rectification of illegal businesses, resolutely curb the phenomenon of accurately "harvesting" college students on the Internet platform, and earnestly safeguard the legitimate rights and interests of students.

　　1. How to develop college students’ credit business?

　　No accurate marketing for college students.

　　The "Notice" strengthens the supervision and management of Internet consumer loans for college students in lending institutions. It is clear that microfinance companies are not allowed to issue Internet consumer loans to college students. The "Notice" requires that microfinance companies should strengthen the substantive verification of the identity of loan customers, and must not set college students as the target customer groups of Internet consumer loans, and must not accurately market for college students, and must not issue Internet consumer loans to college students.

　　The Notice further strengthens the risk management of college students’ Internet consumer loan business in licensed financial institutions such as consumer finance companies and commercial banks, and clarifies that institutions established without the approval of the regulatory authorities are not allowed to provide credit services to college students. At the same time, organize all localities to deploy and carry out supervision, inspection, investigation and rectification of college students’ Internet consumer loan business.

　　The Notice requires that the outsourcing cooperative institutions of lending institutions should strengthen the screening of customers, and should not use improper methods such as false, misleading or induced propaganda to induce college students to consume ahead of time and borrow excessively, nor should they accurately market for college students, nor should they push and drain college students to lending institutions.

　　Banking financial institutions should strictly abide by the risk bottom line, prudently carry out college students’ Internet consumer loan business, establish and improve appropriate risk management systems and early warning mechanisms, strengthen pre-loan investigation and evaluation, and attach importance to post-loan management and supervision to ensure that risks are controllable.

　　2. What about the stock of college students’ loans?

　　In principle, loans already issued will not be extended.

　　In terms of personal information protection, the Notice requires strengthening the personal information security protection of college students, establishing and strictly implementing the rules and regulations to ensure information security, taking effective technical measures to properly manage the basic information of college students, and not sending the information of loan students to third-party institutions, or illegally revealing, exposing or buying or selling the information of loan students.

　　It is necessary to strengthen the submission of credit information, and submit all credit information of college students’ Internet consumption loans to the basic database of financial credit information in a timely, complete and accurate manner in accordance with the Regulations on the Administration of Credit Information Industry. Students who do not agree to submit credit information may not be granted loans.

　　For college students’ Internet consumption loans that have been issued, first, we should urge microfinance companies to make rectification plans. In principle, loans that have been issued will not be extended, and the existing business will be gradually digested. It is strictly forbidden to add new business in violation of regulations. Second, it is necessary to urge banking financial institutions to strengthen investigations, rectify illegal businesses within a time limit, and strictly implement risk management requirements. Institutions that refuse to rectify the problems found in the investigation or whose circumstances are serious should be severely punished and cracked down, and those suspected of committing crimes should be transferred to judicial organs.

　　The Notice requires all colleges and universities to take the main responsibility of student management. First, vigorously carry out financial knowledge popularization education, strengthen financial knowledge publicity and education, and effectively improve students’ awareness of financial security. The second is to constantly improve the working mechanism of helping and rescuing. Effectively protect the affordable needs of students with financial difficulties, such as tuition, accommodation and basic living expenses, and solve the temporary and urgent financial needs of students. Third, comprehensively guide college students to establish a scientific, rational and healthy consumption concept, establish a daily monitoring mechanism, pay close attention to students’ abnormal consumption behavior, take targeted measures to correct it, and strive to achieve early prevention, early education, early detection and early disposal.

　　At the same time, colleges and universities should actively cooperate with relevant departments to do relevant work: First, block the side door and resolutely resist bad campus network loans. Colleges and universities should establish a joint prevention and control mechanism, actively cooperate with public security departments and financial supervision departments to accurately crack down on bad campus network loans and safeguard students’ rights and interests. Establish a real-time early warning mechanism, timely release early warning information of bad campus network loans to students by telephone, internet, campus broadcast and other forms, and build a protective net. The second is to open the main entrance to meet the reasonable credit needs of college students. Colleges and universities should cooperate with banking financial institutions to develop financial products such as college aid, training and entrepreneurship with convenient procedures, reasonable interest rates and controllable risks. Pay attention to college students’ financial services, actively connect with banking financial institutions, open regular campus credit service channels for college students with reasonable needs, drive out "bad money" with "good money", and strive to purify the campus financial market environment.

　　3. How to deal with related crimes?

　　Intensify the crackdown on illegal lending institutions

　　The Notice requires that local financial supervision and management departments and banking insurance regulatory bureaus should, on the basis of the previous campus loan rectification work of online lending institutions, include various lending institutions such as microfinance companies and consumer finance companies in the rectification scope, and comprehensively use various means such as website monitoring, fund monitoring, on-site inspection and data analysis to further strengthen the supervision, inspection and investigation of college students’ Internet consumer loan business. At the same time, increase the investigation and crackdown on illegal lending institutions.

　　The "Notice" requires that the public opinion should be relieved and guided. Guide all localities to do a good job in the online interpretation and public opinion guidance of regulating the supervision and management policies of college students’ Internet consumption loans, and take the initiative to speak out and clarify the truth about the malicious speculation and rumors of using college students’ Internet consumption loans to jointly create a good public opinion environment.

　　At the same time, increase the investigation and punishment of illegal and criminal problems. Guide local public security organs to intensify the investigation and punishment of illegal and criminal activities in the Internet consumer loan business of college students, severely crack down on criminal activities carried out by means of routine loans and usury against college students, intensify the crackdown on illegal detention, kidnapping, violent collection and other illegal and criminal activities, and crack down on illegal and criminal activities that infringe on citizens’ personal information according to law.

　　4. How to satisfy college students’ consumption loans?

　　Follow the principle of small and short-term risk control

　　The Notice requires that, in order to meet the reasonable consumer credit needs of college students, all banking financial institutions can develop targeted and differentiated Internet consumer credit products under the premise of controllable risks, follow the principle of small amount, short term and controllable risks, strictly limit the loan balance of the same borrower and the total business scale of college students’ Internet consumer loans, strengthen product marketing management, strictly examine the qualifications of college students, and improve asset quality.

　　In terms of marketing management, the Circular requires banking financial institutions and their cooperative institutions not to conduct online accurate marketing for college students. Offline marketing and publicity activities carried out on campus should be reported to the regulatory authorities of the marketing area in advance, and the specific place, date, time and content of marketing activities should be informed in advance to the relevant educational institutions and the consent of the educational institutions should be obtained. Marketing activities should not use deceptive, misleading or induced publicity to induce college students to apply for consumer loans.

　　The Notice requires strict pre-loan qualification examination, substantive examination and identification of college students’ identity and real loan purposes, comprehensive evaluation of college students’ credit information, income, taxation and other information, comprehensive understanding of college students’ credit status, strict implementation of college students’ second repayment sources, confirmation of the authenticity of the identity of the second repayment sources by telephone and other reasonable means, obtaining written guarantee materials that the second repayment sources with repayment ability (parents, guardians or other managers, etc.) agree to their loan behavior and are willing to repay on their behalf, and strictly controlling college students’ credit qualifications.

　　It is necessary to strengthen post-loan management to ensure that the flow of loan funds conforms to the provisions of the loan contract; Properly handle overdue loans, standardize collection management, and prohibit any violent collection behavior that interferes with the normal study and life of college students; Timely grasp the changes of college students’ capital flow and credit status, improve the response plan, and ensure that the overall business risk of college students’ Internet consumer loans is controllable.

　　This group/our reporter Cheng Jie co-ordinates/Yu Meiying

　　Photo courtesy/vision china

Haval big dog

Dealer’s quotation: 10.59-14.19 million

Manufacturer’s guide price: 11.99-15.59 million.

One disadvantage of the owner:Generally speaking, this car is still very good, but there are always some annoying flaws. The smell in the car can be ignored. After all, new cars are like this, but to talk about the noise problem, the noise of the engine and the poor sound insulation of the interior lead to the noise inside the car!

Owner 2 Disadvantages:What I’m not satisfied with is that the tire noise is obvious, because the tread is wide, and the friction with the road surface is obvious. At low speed, it has little effect, so at high speed, it is a little bit. If this can be improved, my border grazing will be more perfect.

Three shortcomings of the owner:The sound insulation effect is average. When you step on the accelerator, you can feel the roar of the engine is a bit loud, and then the high-speed wind noise and tire noise are still quite obvious, which also affects a certain driving experience, but overall it is quite satisfactory. After all, it is quite good at this price.

Four shortcomings of the owner:I just feel that this central control car still has a lot of room for improvement, the response speed is really slow, and ergonomics is not very good.

Five shortcomings of the owner:The smell of the new car has not been completely eliminated. I have read many methods to eliminate the smell on the Internet, and I have used them, but the effect is not so good.

Six shortcomings of the owner:The disadvantage is that the steering wheel will make abnormal noise not long after the new car, especially when it is cold at night, and it will creak loudly, and it will disappear after a while. Keyless door opening is not very effective most of the time, which is a big problem.

Seven shortcomings of the owner:The dissatisfaction is that the new car smells, and there is sound insulation. If the speed is fast, some noise can still be heard in the car.

Eight disadvantages of the owner:I think the smell inside the car is quite strong, maybe because of the new car. Generally, when I drive, I will lower the window from time to time to change the air inside.

Owner’s nine shortcomings:The Haval Big Dog and Horse Dog version I chose can be said to have everything, so there are really not many short boards. If I have to say something unsatisfactory, it is because the model has a high center of gravity. The height of this trunk is a bit high, and it is a bit inconvenient to take an enlarged piece or a heavy suitcase.

Ten shortcomings of the owner:I haven’t been picking up the car for a long time, and I don’t have much experience with the trendy hard-core SUV Haval Big Dog. After all, the new car is still in the running-in period, and there are not many requirements for buying a car. The trunk space is slightly small. When I see a rider vomiting, my personal experience is not bad.

　　

　　Chinese special police anti-terrorism combat drill

　　"The period from now until the opening of the Beijing Olympic Games is a very’ fragile’ period. If there is a terrorist attack at this time, it will affect the decision of tourists from all over the world-whether to come to Beijing to watch the game in the end. " On the morning of March 17, at the press conference held by the Israeli Embassy in China, Israeli anti-terrorism expert Boaz? Dr. Gaynor told the reporter of the News of the World.

　　Threatening Beijing citizens on the eve of the Olympic Games should always be vigilant.

　　Dr. Gaynor said that the purpose of his current visit to China is to "introduce the nature of terrorist attacks and the extent they have reached to people who are engaged in the same work as me here, and contribute everything I know to their work".

　　For the world-famous Beijing Olympic Games, Gagno also put forward his own suggestions on its security and anti-terrorism work. He stressed that we can’t wait to be attacked, and we must take positive actions to defeat the terrorist attack plot. "In China, there are many potential targets that may be attacked, so it is important to get information as soon as possible in security work."

　　He immediately introduced his own experience without reservation: in the weeks before the Olympic Games, terrorists usually rent houses and plan attacks in the houses, so homeowners and restaurants should be vigilant at this time.

　　Gaynor stressed to the News of the World that the government needs the cooperation of the people in the fight against terrorism. For example, in 1995, the Tokyo subway in Japan was attacked by sarin gas. Many people were injured not because of sarin gas, but because of panic. Therefore, "it is very important to let people know what to do in the event of a terrorist attack."

　　"From the appearance, there is nothing special about terrorists. They may have blue eyes and black hair. They may come from Africa or the Middle East." What people need to learn is how to recognize them from their behavior, said Gagno. For example, in the hot summer, if you find a person wearing heavy clothes walking in the crowd; In parks or streets, there are lonely and neglected items, and ordinary people should get in touch with the police quickly.

　　Emphasizing that the Olympics is a high-risk target, terrorists may be more cunning.

　　Dr. Gaynor’s experience is not something you can easily get. In fact, not only in Israel, but also in the whole international counter-terrorism field, Boaz? Dr. Gaynor’s titles can be listed in a long list: deputy dean of the Lauder School of Government in Israel, member of the National Committee for Homeland Security Technology in Israel, founder and director of the International Institute for Counter-Terrorism Policy (ICT), founder and president of the International Institute for Counter-Terrorism (ICTAC) … In addition, he has served as an anti-terrorism adviser to Israel’s Ministry of Defense, an adviser to Israel’s National Security Council, and even former Israeli Prime Minister Benjamin? Netanyahu published the book "Anti-terrorism" and asked him to be a consultant.

　　Gaynor began his research on terrorism 25 years ago. When he was young, he worked as a pilot in the Israel Defense Forces. Later, he found that he was not suitable for this role, so he transferred to the Israeli intelligence service to engage in anti-terrorism work. Since then, fascinated by counter-terrorism, he has never left this field. In fact, anti-terrorism is not as simple as people think, but involves many disciplines, including psychology, sociology, high technology, medicine, law and so on.

　　"We are now in a transitional stage, that is, from modern terrorism to post-modern terrorism." Gaynor told the News of the World that no one in the world is absolutely safe from the threat of terrorism. The Olympic Games have provided many "opportunities" for terrorists, not just stadiums and other facilities. "Of course, I can’t assert that the Beijing Olympic Games will not be attacked by terrorists, but it is a fact that terrorists really want to attack."

　　Gagno believes that the terrorist threats faced by the Beijing Olympic Games and the last Athens Olympic Games are very similar, and they are all terrorist groups or organizations that are "interested" in the Olympic Games. However, there are also differences between them. Moreover, terrorists have learned from previous failed actions and may be more cunning and fierce when they strike again.

　　China police sent personnel to study counter-terrorism

　　Gaeno emphasized the importance of close international cooperation in anti-terrorism activities. He said that in previous Olympic Games, Israel’s intelligence agencies were invited by the host country to help the country fight terrorism together. I believe that intelligence personnel will also provide help in this Beijing Olympic Games.

　　In fact, as early as November 2007, the Israeli police spokesman Rosenfeld revealed that the China police delegation would arrive in Israel in March 2008. In about a month’s time, Chinese personnel will learn the skills of dealing with suicide attacks and riots at a border police base in Israel, as well as the theoretical and practical experience of how to intercept information from terrorist organizations.

　　In June 2007, the police chief of Tel Aviv, Israel, David? Sur also visited the China Institute of Contemporary International Relations to discuss the Olympic security work with scholars from the Anti-Terrorism Research Center of the Institute. During his visit to China, Gagno also communicated with major scientific research institutions in Shanghai and Beijing respectively.

　　On the afternoon of March 17th, Gagno had an exchange with Li Wei, an anti-terrorism expert of China Institute of Contemporary International Relations. Li Wei told reporters that Gagno has many original opinions on the study of terrorism, and also has many in-depth studies on the laws, ways and means of terrorism. In the process of communication, the two sides have a common understanding of the increasingly rampant international terrorist threat. Of course, different countries still face different threats.

Editor: Wang Yuxi

The British "Guardian" article on May 11, the original title: "How many months do we have to endure?" Indonesians are suffering from high-priced cooking oil? When millions of Indonesians return home to celebrate Eid al-Fitr, most families will discuss the same issue at the party: the price of cooking oil. Alifa Catini said, "I have been holding Eid al-Fitr celebrations for my extended family, and I have prepared all the meals for 20 people by myself. But this year, I asked them to pay for the first time, because everything is expensive, especially cooking oil. I can’t stand it alone. "

Palm oil is the most widely used edible oil in Indonesia, and Catini uses it for cooking and doing business at home. For the past 25 years, she has run a small catering business in her home in Bekaxi, West Java, and also made and sold traditional biscuits. But the rising price of edible oil has brought great difficulties to her business. She said: "Eid al-Fitr was originally the time when I received the most orders and the most income in a year. I can make more than 25 kilograms of fried biscuits just for Eid al-Fitr. But this year I decided not to accept any orders, because oil is too expensive. If I raise the price of cookies, customers won’t buy them. "

Catini said that she needs about 6 liters of cooking oil every week, usually about 15,000 rupiah per liter (1 rupiah is about 0.00046 yuan). But in the past few months, oil prices have been rising, reaching a maximum of 30 thousand rupiah per liter. "Before the price rose so high, edible oil first disappeared from shops and markets. I have to wait in line for hours to get a liter. Sometimes I even go to another area to find oil. But when it reached 30,000 rupiah per liter, I gave up. "

Mohammad Faisal, executive director of Indonesian Center for Economic Reform, said that there are two main reasons for the soaring price of edible oil: the impact of the COVID-19 epidemic and the conflict between Russia and Ukraine. Indonesia is the world’s largest producer of palm oil, but the surge in cases of COVID-19 in Indonesia last year affected the supply of palm oil. In addition, after the outbreak of the conflict between Russia and Ukraine, the supply of another edible oil, sunflower seed oil, also became tense. Russia and Ukraine are both major exporters of sunflower oil in the world. In order to ensure domestic supply, Indonesian President Joko decided to ban the export of edible oil and its raw materials from April 28th.

Although Catini has experienced many palm oil price fluctuations, it is by far the most serious one. She asked, "How many more months do we have to endure?" According to data from Indonesia, the price of palm oil has been rising since October 2021, and it has not dropped since the implementation of the export ban. Zhu Youta, 32, who lives in Mangalai County, East Nusa Tenggara Province, said that cooking oil had been out of stock for several months, and the price doubled when it was put on the shelves again. "But I will buy it anyway, because we need it."

In March this year, former Indonesian President Megawati criticized women for making too many fried foods and said they should cook more food. This statement caused an uproar. Zhu Youta said: "Edible oil is a very important part of our lives. We cannot underestimate this problem by forcing people to cook instead of frying. I tried. It’s not that simple. My 3-year-old’s favorite food is fried fish. It is not a small challenge to give him only boiled or steamed food. "

Some experts criticized the Indonesian government’s export ban, saying it would not help to lower prices. Roussely Abdullah, a researcher at Indonesian Institute of Economic and Financial Development, said, "Theoretically, banning the export of cooking palm oil and raw materials will make domestic supply sufficient. However, this does not guarantee that when the price is not attractive, the enterprise will release its inventory. " Faisal called the move "hasty and hasty" and said that the export ban may have a wide impact. Catini, on the other hand, said that she hoped the price of edible oil would drop soon, because her business was the main source of family income. (Author Gemma Huolianni Chaya, translated by biography)

　　When the "data visualization" full of science and technology meets the classical Tang poetry and Song poetry, what kind of spark will it spark?

　　Recently, a group of visual data works, Song Ci, Where to Draw the World (hereinafter referred to as Song Ci) and Tang Nv Poets Group (hereinafter referred to as Tang Poetry), have been screened in the circle of friends. The work was completed in half a year by the State Key Laboratory of CAD&CG of Zhejiang University and the Data and News Department of Xinhuanet.

　　The team analyzed 55,000 Tang poems and 21,000 Song poems, and interpreted classical Tang poems and Song poems with big data technology, and unexpectedly found many hidden information.

　　Big data display

　　The place where Su Dongpo went the most was Hangzhou.

　　What does this work look like? Qianbao reporter opened the web version of Song Ci.

　　There are many blank spaces, ink illustrations and elegant color matching style. The style of this work is "close to landscape painting as a whole".

　　It is understood that "Song Ci" takes "Song Ci" as a sample. In order to complete this interpretation, the team analyzed nearly 21,000 ci poems, nearly 1,330 poets and nearly 1,300 epigrams. The basis of the works of Tang Poetry is the data analysis of 55,000 Tang poems.

　　The reporter observed that the web version of Song Ci is composed of Shi Kongtu linked by the poet’s trace map and the life map of the year, as well as the cloud map, image emotion map and prosodic map of Song Ci.

　　In the chronological life map, the reporter selected the broken line representing "Su Shi". According to the diagram, a broken line of "first leveling, then rising and leveling" was displayed, which tried to reflect the ups and downs of Su Shi’s career.

　　On the track map linked with the life map, brown points with different sizes appear synchronously on the map, which are connected by lines, and the size of each point is determined by the number of times Su Shi set foot. This shows the trajectory of Su Shi’s life. From the point line diagram, Su Shi’s footprints are almost all over the territory of the Song Dynasty. Among them, the biggest place is Hangzhou City, which shows that Hangzhou is the place he visits most.

　　The word "east wind"

　　It appeared 1264 times in Song Ci.

　　With the drop-down of the page, what comes into view is the "cloud picture of words" in Song Ci. According to the analysis of the number of words used in Song Ci, the more times they are used, the bigger the font size, the darker the color and the more centered the position. The reporter saw that the word in the middle was "Dongfeng", which was used 1264 times. Followed by "where", it was used 1157 times. The third place is "human world", which appeared 1061 times in Song Ci.

　　"We used to understand the poems of the Song Dynasty and the Tang Dynasty, and more of them were understood and appreciated separately. This study allows us to find the hidden information behind the poems from the big data level." Theway, design director of the State Key Laboratory of CAD&CG of Zhejiang University, told Qianbao reporter.

　　The research lasted for half a year, and the works of Song Ci and Tang Poetry produced by Zhejiang University team and Xinhua News Department were all presented in the form of web pages, which contained quite rich information. Among them, the most informative and complicated work is Song Ci.

　　"In the media industry, such mature visual data news works on traditional cultural themes are still rare." Theway said that this is also the first attempt by the visualization team of Zhejiang University.

　　The poet mentioned "wine" in his works.

　　Half is thinking, 30% is happy.

　　The team not only analyzed the superficial information of the text of Song Ci, but also deeply explored the image meaning expressed by Song Ci and integrated it into an image emotion map.

　　30 common words such as "moon" and "wine" are selected in the image emotion map, represented by 24 prolific poets such as Su Shi and Li Qingzhao. Through the analysis of big data, the emotions expressed by these image words are obtained, and the emotions are divided into five types — — "Think about emotions", and then use pie charts to show the proportion of different emotions expressed by various words.

　　For example, when poets write "wine", nearly half of the images they want to express are nostalgia and thinking. Lu You wrote "Red Crispy Hands, Huangteng Wine", or Yan Shu wrote "A new song and a glass of wine, the weather was old last year", all of which are reminiscing about old friends and thinking about life. There are nearly 30%, which is similar to Zhu Dunru’s "a cup of wine is full every day, and flowers bloom in the small garden".

　　Then, how did big data technology observe the poet’s mood at that time from the lines of Song Ci?

　　First of all, the team needs to sort out the typical images that basically only represent a certain emotion. Theway said that in order to be more accurate, the team specially invited Dr. Hu Qiuyan from Zhejiang University College of Literature to check.

　　Pan Rusheng, who is in charge of data analysis and front-end development, told reporters that they will use big data to analyze the context, calculate the probability that the word belongs to a certain emotion according to typical images, and get the emotion that the poet is most likely to express.

　　To put it simply, for example, the poet Zhang Zai wrote in "The Old Cypress Courtyard of Xinglong Temple": "The peony blossoms in the south and the peony blossoms in the north, and the young people look for fragrance several times. Only the old cypress tree in your family seems to have never come. " Among them, "pine and cypress" expresses an emotion of "remembering". In the context, it can be concluded that what "Peony" and "Spring Breeze" want to convey is also "thinking".

　　Through visual data presentation

　　Make Tang poetry and Song poetry truly popular and easy to understand

　　When asked about the difficulty of this research, Theway first mentioned the choice of charts. In order to find the most suitable data presentation, many charts are easy to draft.

　　Appropriate charts should not only be beautiful, but also cover the information that needs to be presented. At the same time, they should be intuitive and interact with readers smoothly, which really makes the team spend a lot of time. According to Theway, the team tried to use the view of "small mountain peak" to express the cadence of words, but considering that the overlapping of images affected the impression and was not conducive to the placement of imagery images, they finally gave up.

　　"People are visual, and the visual form of popular science means can make obscure ancient poems easy to understand, and let popular science get rid of preaching or boring stereotypes, thus playing a role in promoting traditional culture." Chen Wei, deputy dean of the School of Computer Science and Technology of Zhejiang University, said.

　　The orientation of this research is popular science, so the object of analysis is mainly the most basic content of Tang poetry and Song poetry. Theway said: "This product is not made to draw a certain conclusion, but to provide people with an interesting tool to explore Tang poetry and Song poetry." Therefore, more interesting conclusions remain to be discovered by readers.