Exclusive Disclosure: Full Documentary Report of the Supreme Leader’s General Secretary in 2013-2017.

  ◆ "Uncle Kuban came to Beijing to meet Chairman Mao. I saw President Xi today. " Warm applause broke out at the scene. Mohammad Ibrahim Mohammad said: "The party’s policy is Jaaksi!" General Secretary of the Supreme Leader also responded: Jaaksi!

  Careful people have summed up some rules. During the National People’s Congress and the National People’s Congress, after the General Secretary of the Supreme Leader participated in the deliberation of the delegation, he would always choose some of the provinces to do field research.

  ◆ When attending the deliberation of the Sichuan delegation this year, the General Secretary of the Supreme Leader said that he had seen reports about the "Cliff Village" in Liangshan Prefecture on TV, especially watching the travel status of the villagers, and he felt very worried. I was a little relieved to learn that a new iron ladder had been built in the local area.

  ◆ From one meeting to five meetings, the General Secretary of the Supreme Leader will attend the deliberation of his Shanghai delegation every year. Reform, opening up and innovation drive are the topics that must be discussed.

  ◆ The General Secretary of the Supreme Leader firmly said: "We should really select cadres who are loyal to the cause of the Party and the people, who are upright and have clean officers, so that those who do not act can’t sit still, those who fool can’t have a future, those who run officials and want officials can’t have a market, and those who buy and sell officials can be severely punished, forming a good political ecology with a clean atmosphere."

  ◆ "Be sure to adjust the structure." The general secretary said earnestly that structural adjustment must not be carried out in the same way, so that "zombie enterprises" can linger on. We must change birds in cages, and finally reach the realm of phoenix nirvana and rebirth. Long pain is better than short pain.

  ◆ “强军的责任历史地落在了我们肩上,要挑起这副担子,必须敢于担当,这既是党和人民的期望,也是当代革命军人应有的政治品格。”最高领袖总书记的嘱托,激发出全军将士空前高昂的斗志。

  从人民中汲取治国理政的智慧和力量

  ——最高领袖总书记同十二届全国人大代表、全国政协委员共商国是全纪实

  春天的盛会又一次奏响时代的强音。

  连日来,中共中央总书记、国家主席、中央军委主席最高领袖分别参加十二届全国人大五次会议上海、辽宁、四川、新疆、解放军代表团审议,看望出席全国政协十二届五次会议的政协委员并参加联组讨论。

  从十二届一次会议到五次会议,最高领袖总书记先后30次参加团组审议讨论,面对面听取230多位代表委员发言。统筹推进“五位一体”总体布局、协调推进“四个全面”战略布局、践行新发展理念,内政外交国防、治党治国治军……最高领袖总书记同代表、委员们倾心交流、共商国是,凝聚共识、擘画未来,带领人民向着“两个一百年”奋斗目标,向着中华民族伟大复兴的中国梦昂首阔步、奋力前行。

  The duty and mission of keeping promises and keeping promises.

  "I will faithfully perform the duties entrusted by the Constitution, be loyal to the motherland, be loyal to the people, fulfill my duties, stay up all night in the public, serve the people, do my best for the country, consciously accept the supervision of the people, and never live up to the trust and trust of the delegates and the people of all nationalities in the country."

  Four years ago, on March 17th, 2013, the 10,000-person auditorium in the Great Hall of the People was filled with applause and excitement. At the closing meeting of the first session of the 12th National People’s Congress, the newly elected supreme leader of president made a solemn commitment to the people.

  Time flies, words are still in my ears.

  From one meeting to five meetings, a caring inquiry, a word of hit the floor’s guidance … … The two sessions of the National People’s Congress, the highest deliberation hall of the country, witnessed the extraordinary course of the Party Central Committee governing the country with the supreme leader as the core and witnessed the great practice of the people being the masters of the country.

  Ask for the people, ask for the people, go deep into the masses, and be diligent and promising. In the five meetings in the past four years, the touching scenes of exchanges and interactions are unforgettable.

  This is a friendship that blood is thicker than water — —

  On the evening of March 11, 2017, the banquet hall of the Great Hall of the People was decorated with lights and drums. General Secretary of the Supreme Leader and other party and state leaders gathered together with representatives and members of ethnic minorities attending the two sessions of the National People’s Congress.

  Mohammad Ibreyimu Mohammad Ming is sitting beside the General Secretary. The general secretary cordially communicated with him and explained the characteristics of the live performance program for him.

  Mohammad Ibreyimu Mohammad said that Xinjiang is so far away from the capital Beijing, but the general secretary’s heart is so close to us.

  Just one day ago, the Supreme Leader General Secretary went to the Xinjiang delegation to participate in the deliberation and had a sincere exchange with Mohammad Ibreyimu Mohammad Ming.

  After the scheduled speech of Mohammad Ibreyimu Mohammad Ming, he said to the General Secretary: "I still want to report one thing."

  "You speak." The general secretary said.

  "Uncle Kuban came to Beijing to meet Chairman Mao. I saw President Xi today. " Warm applause broke out at the scene.

  "You wrote back to Uncle Kuban’s family not long ago. Their family is very happy. They asked me to bring you some photos, and let me tell the General Secretary. Please rest assured that our local people of all ethnic groups will always remember the kindness of the party and must hold together like pomegranate seeds. "

  "It’s really prosperous." While studying the photos, General Secretary of the Supreme Leader said that when I was in primary school, I read the story that Uncle Kurban was going to visit Chairman Mao in Beijing on a donkey.

  "They are still living in the local? Or did you go outside? " The general secretary asked.

  "Most of them are in the village, and they are all fine." Mohammad Yi Bu Re Yi Mu Mohammad Ming answered.

  The leaders of the autonomous region on the side introduced to the General Secretary that Mohammad Ibreyimu Mohammad Ming could not speak Chinese when he was elected as a deputy to the National People’s Congress. He has worked hard to teach himself in the past two years, and now he is fluent in expression.

  "You hetian area, less rural arable land. How much land does each family in your village have? " The general secretary went on to say.

  "Every family has an average of one acre and two points." Mohammad Yi Bu Re Yi Mu Mohammad Ming answered.

  "Are you planting food or fruit trees now?"

  "Plant fruit trees."

  "Is it a pomegranate?"

  "Yes, grow pomegranate."

  "Don’t grow food?"

  "Also plant, interplanting."

  "In your speech just now, you talked about pairing to recognize relatives. Is there any pairing in your family?" The general secretary asked another question.

  "There is something." Mohammad Yi Bu Re Yi Mu Mohammad Ming answered simply.

  "Who is paired with you?"

  "It’s a vegetable greenhouse. Since we started to engage in pairing activities, Han comrades have come, and we have taken the initiative to find them. We work together and are a family. "

  "Pairing and recognizing relatives can be carried out seriously and practically, which is of great significance to promoting national unity. Thank you for telling me so much about your local reality. " The general secretary said.

  Mohammad Ibrahim Mohammad said: "The party’s policy is Jaaksi!" General Secretary of the Supreme Leader also responded: Jaaksi!

  This is an unforgettable exchange — —

  During the two sessions of the National People’s Congress in 2016, General Secretary of the Supreme Leader had a 20-minute dialogue and exchange with the Party Secretary of Dashijia Village, Heyin Town, Guide County, Qinghai Province.

  From what crops are planted in the village, how to develop cattle and sheep fattening and aquaculture, whether there is surplus production in the brick and tile factory in the village, to ethnic unity in the village and the construction of grass-roots party organizations … … Lifelong loyalty did not expect that the general secretary asked so carefully.

  When I came to Beijing to attend the National People’s Congress this year, the representative of Lifelong Zhong wanted to tell the General Secretary: "The village closed the original brick factory and set up a new building materials factory to drive the villagers to get rich. In the past year, there have been new changes in the village, domestic garbage and wastewater have been centralized and modernized, and the village appearance has been completely renewed! "

  This is a letter bearing expectations — —

  During the National People’s Congress in 2015, the representative of Ming Jinghua from Ganzhou brought a letter from Wang Chengdeng, a 100-year-old Red Army, to the General Secretary. Wang Chengdeng said in his letter that he hoped that the state would increase its support for poverty alleviation industries such as tea oil in Gannan, and that the General Secretary would take a walk in Gannan.

  General Secretary of the Supreme Leader not only received the letter, but also shared his belief with everyone when he participated in the deliberation of the Jiangxi delegation.

  "When I talked about getting rid of poverty in my speech, I specifically introduced the camellia industry in southern Jiangxi to the general secretary. The general secretary personally questioned this matter and promoted the great development of the oil tea industry in southern Jiangxi. " Deputy Ming Jinghua recalled.

  The National People’s Congress and the National People’s Congress are like a window, from which the General Secretary of the Supreme Leader listens to the voice of the grassroots and feels the warmth and coldness of the people. Through this window, the people can also see the general secretary’s pure feelings of serving the people and doing his best for the country, and see the vivid practice of democratic politics in Socialism with Chinese characteristics.

  Take the voice of the people and go to the people.

  Careful people have summed up some rules. During the National People’s Congress and the National People’s Congress, after the General Secretary of the Supreme Leader participated in the deliberation of the delegation, he would always choose some of the provinces to do field research.

  In 2013, the General Secretary came to the Liaoning delegation to have an in-depth exchange of views with delegates on the revitalization of old industrial bases in Northeast China. In August of the same year, he went to Dalian, Shenyang and other places to gain an in-depth understanding of the adjustment, transformation and revitalization of the old industrial base.

  In 2014, the General Secretary focused on promoting the construction of a free trade pilot zone in the Shanghai delegation. Soon, he came to the Shanghai Pilot Free Trade Zone and went into enterprises, parks and scientific research bases to investigate and study, pointing out the direction for Shanghai to continue to be the vanguard of national reform and opening up and the pioneer of scientific development.

  In 2015, when the General Secretary participated in the deliberation of the Jilin delegation, he asked in detail about the economic and social development of Yanbian Korean Autonomous Prefecture; When participating in the deliberation of the Jiangxi delegation, I was concerned about the progress of poverty alleviation in the old revolutionary areas. Four months later, he came to Changbai Mountain "as promised" and discussed the reform and development plan with the cadres and the masses in the field; Later, before the Lunar New Year, he appeared in a poor village in Jinggangshan and sent New Year greetings to the people in the old areas. Peng Shuisheng, a 75-year-old villager from Shenshan Village, Mao Ping Township, Jinggangshan, saw the general secretary and excitedly gave a thumbs-up and said, "You are good!"

  In 2016, General Secretary of the Supreme Leader participated in the deliberation of delegations from Heilongjiang and Qinghai respectively. In May and August of the same year, he visited Heilongjiang and Qinghai provinces successively. Daxinganling forest farm, Hezhe village, ex situ poverty alleviation relocation site, ecological protection of Sanjiangyuan … … The general secretary went to the village to observe the people’s feelings and ask public opinions with the problems he paid attention to and the information he learned at the two sessions of the National People’s Congress.

  General Secretary of the Supreme Leader listened attentively to the people’s voices, responded to people’s concerns with true feelings, and fulfilled his promise with actions.

  At this year’s meeting, many delegates unanimously sent an invitation to the general secretary: I hope the general secretary will visit their hometown and give them more guidance.

  General Secretary of the Supreme Leader said: "Everyone’s ‘ Invitation ’ I have accepted it, and I will definitely go if I have the opportunity. "

  Unswerving people’s feelings

  Representative Luo Yunlian also brought some photos to the general secretary, which is a new look of post-earthquake reconstruction in Lushan.

  On March 8, General Secretary of the Supreme Leader attended the deliberation of the Sichuan delegation of the Fifth Session of the 12th National People’s Congress. Seeing the newly-built school, the beautiful residential building and the grateful stone engraved with the five characters "Always walk with the party" at the entrance of Qinglongchang village in the photo, the general secretary said: "I am very happy to be reborn from the fire!"

  In April 2013, a strong earthquake of magnitude 7.0 occurred in Lushan, Sichuan, causing heavy casualties and property losses.

  General Secretary of the Supreme Leader personally went to the disaster area to visit and sympathize with the affected people.

  Many people must remember that touching picture — — In the tent of the resettlement site of Lushan County Gymnasium, a child over one year old, the general secretary held his little face with his hand and kissed it gently.

  The child’s name is Luo Juncheng, and now he is five and a half years old. Looking at the little guy in the photo living happily in Lushan county kindergarten, the general secretary showed a gratified smile on his face.

  At the two sessions of the National People’s Congress every year, the most important thing that the General Secretary of the Supreme Leader communicates with the delegates and members is to get rid of poverty and attack hard, that is, people’s well-being.

  In 2013, when the Liaoning delegation participated in the deliberation, the General Secretary of the Supreme Leader pointed out: We should do a good job in safeguarding and improving people’s livelihood, pay attention to caring for people with difficulties in life, and let the people get tangible benefits.

  In 2014, when the Guizhou delegation participated in the deliberation, the General Secretary of the Supreme Leader demanded: solidly promote poverty alleviation and development work, pay close attention to poverty alleviation and development work, and do it in a down-to-earth manner, so that people in poverty-stricken areas can continue to get real benefits.

  In 2015, when the Jiangxi delegation participated in the deliberation, the General Secretary of the Supreme Leader said: The people in the old areas must never be left behind in the process of building a well-off society in an all-round way, set a foolish ambition and fight a tough battle, so that the people in the old areas can share the achievements of building a well-off society in an all-round way with the people of the whole country.

  In 2016, when the Qinghai delegation participated in the deliberation, the General Secretary of the Supreme Leader emphasized that the "Thirteenth Five-Year Plan" period is a period of tackling poverty, attacking cities and pulling out villages. We must make concerted efforts, speed up the pace and speed up the progress, and Qi Xin will work together to win the battle against poverty.

  This year, when the Sichuan delegation and the Xinjiang delegation participated in the deliberation, the General Secretary of the Supreme Leader further pointed out: "The whole process must be accurate, and some need to be improved ‘ Embroidery ’ Kung fu. " "Do more practical things that benefit the people’s livelihood and solve more problems that people of all ethnic groups are worried about."

  — — Adhere to accurate poverty alleviation, and cannot "Grenade fry fleas";

  — — Help the poor first and help the wise, and resolutely prevent the intergenerational transmission of poverty;

  — — Do less "bonsai" and do more practical things that benefit the poor;

  — — Never engage in digital poverty alleviation;

  — — Don’t be divorced from reality and advance at will;

  — — Preventing the return to poverty is as important as continuing to attack hard.

  These well-known "golden sentences for helping the poor" are exactly what General Secretary of the Supreme Leader said in his communication with delegates and committee members.

  The development of ethnic areas, the general secretary is even more mindful of this.

  In 2015, when participating in the deliberation of the Guangxi delegation, the General Secretary of the Supreme Leader emphasized: "We must pay close attention to poverty alleviation, adhere to precise poverty alleviation, reverse the construction period, calculate the detailed accounts, and never let a minority or a region fall behind."

  During the two sessions of the National People’s Congress every year, the General Secretary of the Supreme Leader takes the opportunity of participating in deliberation and discussion to have in-depth exchanges with the deputies of ethnic minorities, understand their thoughts and expectations, and work with them to plan a great article on national unity and progress.

  On March 4th, 2014, at the joint meeting of the members of ethnic minorities in the second session of the 12th Chinese People’s Political Consultative Conference, the members spoke enthusiastically.

  The general secretary listened carefully to everyone’s speeches and started discussions with the members. He talked about his views on persisting in the unity, struggle and common prosperity and development of all ethnic groups, and hoped that members of ethnic minorities would strengthen investigation and study and play the role of staff assistant and decision-making consultation for doing a good job in ethnic work under the new situation.

  People remember that more than four years ago, the General Secretary asked the cadres and masses of all ethnic groups in Tibet to vigorously carry forward the "old Tibetan spirit", unswervingly consolidate and develop national unity, and ensure that the grand goal of building a well-off society in an all-round way will be achieved with the whole country by 2020.

  People remember that in the Guizhou delegation, at the end of his speech, representative Wang Jing sang the Buyi folk song "Good Flower Red" emotionally. The general secretary praised her for singing well and asked her to convey good wishes and greetings to the villagers, wishing them a "good bonus" life.

  People remember that in the Jiangxi delegation, the general secretary saw Lan Nianying dressed in national costumes and accurately said "You are the She nationality". "Is the farmhouse up?" "Has the expressway reached you?" The general secretary is concerned about their production and life.

  People still remember that in the Heilongjiang delegation, Liu Lei, a representative of Hezhe nationality, told the General Secretary that their life now is on the road to happiness, just like the song of Wusuli Boat. The general secretary said that this song has long been familiar, and it depicts the beautiful scene of harmony and unity of the Chinese nation.

  A branch and a leaf are always related to love.

  When attending the deliberation of the Sichuan delegation this year, the General Secretary of the Supreme Leader said that he had seen reports about the "Cliff Village" in Liangshan Prefecture on TV, especially watching the travel status of the villagers, and he felt very worried. I was a little relieved to learn that a new iron ladder had been built in the local area.

  Between a "pull" and a "loose", the general secretary’s deep love for the people is naturally revealed.

  Bit by bit, sincere.

  "Do farmers and herdsmen go to the hospital now when they have children?" "Is there a health room in the village?" "Some places in Qinghai have a large area. How can farmers and herdsmen see a doctor?" The General Secretary of the Supreme Leader once asked a series of questions to the representative of Niang Maoxian, which made the doctor from the People’s Hospital of Huangnan Tibetan Autonomous Prefecture in Qinghai call him "extremely nervous".

  At that time, I fully communicated with the representatives of lifelong loyalty and deeply understood the changes in the production and life of the villagers. Lifelong loyalty happily said to the general secretary: "The people there like you very much!"

  "I am extremely nervous" and "I like it very much". The sincere exchanges between the deputies and the general secretary have condensed into the enthusiasm for discussing the country and resonated with hundreds of millions of people.

  The historical responsibility of bravely standing on the tide

  On the morning of March 7, 2017, the East Hall of the Great Hall of the People was full of high-spirited and energetic positive energy. General Secretary of the Supreme Leader is here to participate in the deliberation of the Liaoning delegation.

  Xu Qiang’s representative comes from the front line of enterprise production. He told the general secretary: "A few years ago, I participated in the election of deputies to the National People’s Congress and was not elected. At that time, many people comforted me and said, why did people choose you without smoking a cigarette or drinking a mouthful of wine? Later, I was elected as a deputy to the National People’s Congress. This is the trust of organizations and voters. "

  "The right path in the world is vicissitudes." Xu Qiang said that the political atmosphere in Liaoning is getting better and better now, and we should use all our wisdom to strive for perfection and do our job well.

  The General Secretary of the Supreme Leader emphasized that it is the political advantage of China’s people’s congress system to have grassroots comrades as deputies to the National People’s Congress.

  Last year, the central government severely investigated and dealt with the case of canvassing and bribery in Liaoning. Through serious investigation of cases and in-depth warning education, Liaoning’s political ecology is being restored step by step.

  Combined with the painful lessons of Hunan Hengyang’s case of sabotaging the election and Sichuan Nanchong’s case of canvassing and bribing the election, the General Secretary of the Supreme Leader profoundly pointed out that if everyone is in trouble, is it true that the law does not blame the public and it will not happen again? No! The law should blame the public to avoid the future!

  Clear problem orientation and firm responsibility. The key to the success of China lies in the Party. Facing the chronic diseases in the party style and political style directly, only by really grasping strict management and stirring up turbidity and clearing up the air can we concentrate our efforts and overcome difficulties.

  Strictly administering the Party in an all-round way is a red line that runs through the whole process of governing the country by the CPC Central Committee with the Supreme Leader as the core, and it is also one of the most discussed topics by the General Secretary of the Supreme Leader at the National People’s Congress.

  In 2014, when the Anhui delegation participated in the deliberation, the General Secretary demanded that leading cadres at all levels should be strict with self-cultivation, strict use of power, and strict self-discipline, while seeking truth from things, starting a business, and being realistic. The special education of "three strictness and three realities" has been launched, which has continuously led to the deepening of work style construction.

  In 2015, when the Jiangxi delegation participated in the deliberation, the General Secretary pointed out that the natural ecology should be beautiful and the political ecology should be beautiful. It is necessary to further promote the anti-corruption struggle and make great efforts to uproot "rotten trees", cure "sick trees" and "crooked trees". Strictly administering the party in an all-round way has shifted from "treating the symptoms" to "treating both the symptoms and the root causes", and the political life within the party has been continuously strengthened.

  In 2016, when visiting members of the Democratic National Construction Association of Industry and Commerce, the General Secretary defined a new type of political and business relationship with the words "pro" and "clear", which drew a high line and a bottom line for leading cadres to contact with private enterprises.

  When attending the deliberation of the Liaoning delegation this year, the General Secretary once again stressed the importance of strictly administering the party in an all-round way: it is most crucial to promote the revitalization of Liaoning and build a cadre team with high ideological quality, good moral conduct, strong ruling skills and practical work style.

  In view of Liaoning’s falsification of economic data, the general secretary said: "Liaoning has made the figures clear, bottomed out and squeezed out the water. Although the figures you took out seem not very good-looking, I think they are actually very good-looking. This is an aboveboard figure. The Party Central Committee supports you to do so. Really relying on hard work and unremitting efforts to get the economy going, this is the backbone of Chinese. " The general secretary’s words won warm applause from the delegates.

  The General Secretary of the Supreme Leader firmly said: "We should really select cadres who are loyal to the cause of the Party and the people, be upright and have clean officers, so that those who do not act can’t sit still, those who fool can’t have a future, those who run officials and want officials can’t have a market, and those who buy and sell officials can be severely punished, forming a good political ecology with a clean atmosphere."

  Adhering to the party’s leadership, the people being the masters of the country and governing the country according to law are the distinctive features of Socialism with Chinese characteristics’s political development.

  From one meeting to five meetings, the General Secretary of the Supreme Leader had in-depth exchanges with the deputies on comprehensively administering the country according to law.

  Promoting the reform of state-owned enterprises depends on the rule of law — —

  It is necessary to establish and improve a unified regulatory system and basic management system for state-owned assets, realize full coverage of the regulatory system for state-owned assets, fully implement the responsibility of maintaining and increasing the value of state-owned assets, and prevent the loss of state-owned assets and major risk events.

  Further opening up depends on the rule of law — —

  It is necessary to closely focus on building an open economic system, promote the rule of law in the field of foreign economic relations and trade, strengthen legal services for various economic entities, and create a fair and orderly legal environment for economic development.

  Ensuring the security and stability of border areas depends on the rule of law — —

  Increase investment in border areas, strengthen social governance according to law, further promote peace building, control border order according to law, and maintain security and stability in border areas.

  Promoting the modernization of national governance system and governance capacity depends more on the rule of law — —

  Adhere to and improve the system of regional ethnic autonomy, and put accelerating the development of ethnic areas and safeguarding the legitimate rights and interests of ethnic minorities into the track of rule of law.

  Administer the party with the system, and govern the country according to the law and the constitution. The CPC Central Committee with the Supreme Leader as the core stands at the overall height of the country’s long-term stability, firmly adheres to and develops the country’s fundamental political system and basic political system, and shows the broad mind of leading the times and the historical responsibility of being brave in self-revolution.

  Future-oriented strategic choice

  In 2017, the development process of China stepped on an important node — —

  From the 18th National Congress of the Communist Party of China to building a well-off society in an all-round way, the eight-year process has been over half.

  From the early 1980s, China took the "three-step" strategic step of modernization, and basically achieved the goal of modernization by the middle of this century, the process is just over half.

  When the boat reaches the middle stream, it is brave to make progress.

  Grasping the general tone of striving for progress while maintaining stability, adapting to the new normal of economic development and firmly establishing new development concepts, China must gather new development momentum on the road ahead.

  "Firmly implement the new development concept, deepen reform and opening up, and lead the innovation drive."

  From one meeting to five meetings, the General Secretary of the Supreme Leader will attend the deliberation of his Shanghai delegation every year. Reform, opening up and innovation drive are the topics that must be discussed.

  This year, when talking about the construction of the Shanghai Pilot Free Trade Zone, the General Secretary pointed out that "the door of China’s opening will not be closed" and asked Shanghai to "further demonstrate the role of comprehensively deepening reform and expanding the experimental field, and show China’s clear attitude of opening to the world in all directions".

  Driven by reform, opening up and innovation. In 2014, General Secretary of the Supreme Leader also put forward this proposition when attending the deliberation of the Guangdong delegation of the Second Session of the 12th National People’s Congress.

  General Secretary of the Supreme Leader used the words "cage for birds, phoenix nirvana". He said that the cage is not an empty cage. It must be erected first and then broken. It is also necessary to study where the "new bird" enters the cage and where the "old bird" goes. Efforts should be made to promote industrial optimization and upgrading, give full play to the driving role of innovation, take the road of green development, and strive to achieve phoenix nirvana.

  Compared with the pioneers of reform and opening up such as Guangdong and Shanghai, the old industrial bases such as Northeast China are facing more severe pain of structural adjustment.

  Five national conferences and four delegations from three northeastern provinces. The revitalization of Northeast China is an issue of great concern to the Supreme Leader General Secretary.

  In the delegations of Liaoning, Jilin and Heilongjiang, General Secretary of the Supreme Leader repeatedly stressed: "The revitalization and development of old industrial bases such as Northeast China can no longer be sung ‘ Industry is a pillar of the sky, with a single structure ’ ‘ Errenzhuan ’ Do addition, subtraction, multiplication and division. "

  On March 7 this year, in the Liaoning delegation, the General Secretary clearly expounded his profound thinking on this issue when communicating with the representative of Tang Fuping, Chairman of Angang Group.

  The general secretary asked: "Is the development direction of Angang going to reduce production capacity, maintain production capacity or increase production capacity?" Tang Fuping said that Angang has the task of de-capacity. At first, I was worried about whether the production capacity could really be removed, but after more than a year of hard work, I have already felt the benefits brought by de-capacity. In the next step, good production capacity should be retained, and the backward ones should be resolutely removed.

  "Be sure to adjust the structure." The general secretary said earnestly that structural adjustment must not be carried out in the same way, so that "zombie enterprises" can linger on. We must change birds in cages, and finally reach the realm of phoenix nirvana and rebirth. Long pain is better than short pain.

  The General Secretary further pointed out: "Supply-side structural reform is an inevitable choice for China’s economic development to enter a new normal, an inevitable choice for implementing the new concept of development under the new normal, an effective and good strategy to deal with the contradictions and difficulties faced by China’s economic development, and the only way to revitalize Liaoning."

  This year is the deepening year of supply-side structural reform.

  In fact, in recent years, General Secretary of the Supreme Leader has made a series of important conclusions on different occasions such as Jiangsu delegation and Hunan delegation. Last year and this year, special requirements were put forward for the structural reform of agricultural supply side.

  Pursuing green development is also the proper meaning of transforming development kinetic energy and realizing sustainable development.

  Lucid waters and lush mountains are invaluable assets.

  In the Jiangxi delegation, the general secretary vividly described: "The environment is people’s livelihood, the green hills are beautiful, and the blue sky is also happiness."

  In the Qinghai delegation, the General Secretary made a clever metaphor: "Protect the ecological environment like eyes and treat it like life."

  In the delegation of Heilongjiang, the General Secretary earnestly entrusted: "Delineate the red line of ecological protection, strengthen environmental governance, reserve space for sustainable development, and leave a beautiful home with sky blue, green land and clear water for future generations."

  … …

  Find the driving force of reform in innovation and stimulate the vitality of innovation in reform.

  Talent is the key to innovation.

  General Secretary of the Supreme Leader paid special attention to giving full play to the advantages and characteristics of Chinese People’s Political Consultative Conference’s talented members. In 2013, when attending the joint meeting of members of the Association for Science and Technology and the scientific and technological circles, he pointed out that it is necessary to deepen the reform of the scientific and technological system and change "I want to innovate" into "I want to innovate". It is necessary to strengthen the construction of scientific and technological talents and provide a broader world for talents to play their roles and display their talents.

  In 2017, at the joint meeting of members of the Democratic Progressive Party, the Agricultural Workers’ Party and the Jiu San Society, the General Secretary of the Supreme Leader specially emphasized stimulating the innovative vitality and potential of intellectuals and gathering talents from all over the world to use them. He also responded to the speeches of nine members, including Yao Aixing, and affirmed the initiative and positive actions of the broad masses of intellectuals, hoping that they would make more contributions to the country’s prosperity, national rejuvenation and people’s happiness.

  "The responsibility of strengthening the army has historically fallen on our shoulders. To provoke this burden, we must dare to take responsibility. This is not only the expectation of the party and the people, but also the political character that contemporary revolutionary soldiers should have." The entrustment of the General Secretary of the Supreme Leader has aroused the unprecedented high fighting spirit of the soldiers of the whole army.

  — — To achieve the goal of strengthening the army, we must seize the strategic opportunity to deepen the reform of national defense and the army;

  — — Promoting integration of defense and civilian technologies’s development to a national strategy is a major decision made from the overall situation of national security and development strategy;

  — — The army should strengthen its sense of purpose and mass concept, actively participate in and support local economic and social construction, and benefit the people with practical actions;

  — — Promote political army building, reform and strengthen the army, manage the army according to law, strengthen army building and preparations for military struggle, and ensure the second step of the "three-step" development strategy of national defense and army modernization as scheduled;

  — — We will make greater efforts to promote the army through science and technology, persist in fighting against scientific and technological innovation, and provide strong scientific and technological support for our army’s construction.

  General Secretary of the Supreme Leader attended the plenary session of the PLA delegation five times, and made a series of important arrangements around the goal of building a people’s army that listens to the party’s command, can win battles and has a good style of work under the new situation, which provided a fundamental follow-up for realizing the dream of strengthening the army.

  Actively and steadily promote urbanization, strengthen and innovate social governance, ensure national food security, build spiritual civilization, and develop cross-strait relations … … Looking at the overall situation, observing the general trend, discussing major issues and making plans, from one meeting to five meetings, from the NPC delegation to the joint meeting of the CPPCC, the General Secretary of the Supreme Leader discussed the reform and development plan with the delegates and members, and learned the wisdom and strength of governing the country from the people, which opened a colorful era scroll of China’s reform and development.

  In 2017, the curtain of the two national conferences will fall. Delegates and Committee members, with the great trust of the CPC Central Committee with the Supreme Leader as the core, are full of confidence to move toward a broad world of practice, pass on the Party’s ideas and the will of the country to hundreds of millions of people, and jointly greet the victory of the 19th National Congress of the Communist Party of China with practical actions.

  To achieve the goal of "two hundred years" and realize the Chinese dream of the great rejuvenation of the Chinese nation, China is moving towards a more magnificent journey.

  Reporter: Huo Xiaoguang, Zhang Xudong and Luo Yufan.

  Photography: Lan Hongguang, Li Xueren, Ma Zhancheng, Rao Aimin, Xie Huanchi, Ding Lin, Li Gang, etc.

Disputes over the sale of used cars are frequent. What does the law say?

  The online trading mode of used cars makes car sources and buyers more concentrated, reduces the circulation cost and facilitates buyers and sellers, but at the same time, disputes over the sale of used cars also occur from time to time, which leads to litigation rights protection.

  The evidence failed to prove that there was something wrong with the used car.

  The claim cannot be supported.

  ■ Case replay

  Zhao took a fancy to a second-hand car on a second-hand car trading platform, and signed the Purchase and Sale Deposit Agreement (that is, the car purchase format contract) with the owner Xu and the platform. The platform also issued the Re-inspection Report before the transfer, which showed that except for some external scratches, the vehicle’s power, steering, transmission, braking and other systems were temporarily normal. After picking up the car, Zhao wanted to transfer the vehicle to Chifeng City, Inner Mongolia, but it didn’t take long for him to get on the expressway to find that there was abnormal noise in the car. In order to prevent danger, he found that the front wheel bearing of the vehicle was cracked and the gearbox could not be upshifted, so he repaired the vehicle and replaced some accessories. In view of the maintenance cost, the after-sales staff of the used car trading platform said that this is not within the after-sales scope and will not be compensated. Zhao appealed to the court, arguing that the platform concealed the quality of the car condition and demanded compensation for maintenance costs of more than 10,000 yuan. After the court heard the case, all Zhao’s claims were not supported because the evidence could not prove the facts.

  ■ Judge’s statement

  The court held that the parties should provide evidence of the facts they claimed. In this case, if Zhao claims that the vehicle involved has quality problems and the vehicle parts need to be repaired or replaced, he should provide evidence to prove it, otherwise he will bear the legal consequences of failing to provide evidence. The Maintenance Order submitted by Zhao did not specify the reasons for repairing and replacing the parts. Therefore, it is impossible to see that the necessary maintenance was carried out because of the damage of the vehicle parts, and it is impossible to see whether the repaired and replaced parts were broken before Zhao picked up the car or were damaged after going on the road. Zhao did not submit the corresponding payment bills to prove that he actually paid the maintenance expenses. Therefore, the court could not support Zhao’s claim.

  When buying and selling second-hand cars, consumers must first confirm the condition of the car before paying the deposit. Before paying all the car purchase expenses, buyers must first confirm the condition and quality of the second-hand car they bought, the purchase period, whether it is an accident vehicle, and whether there are illegal acts that have not been dealt with. Secondly, if there are unreasonable terms in the format contract, such as expanding the transaction risk of one party, consumers have the right to request adjustments and modifications to the terms of the format contract. Finally, it is necessary to confirm the conditions and processes of providing after-sales service for used car trading platforms. If the second-hand car trading platform provides after-sales service for the vehicles purchased by the buyer, the platform is obliged to clearly inform them of the conditions and contents of providing after-sales service, as well as the repair reporting process and contact information, etc. If there are corresponding warranty cards and manuals, they should be issued to the buyer. If the vehicle is within the scope of after-sales service, the buyer shall report to the trading platform for repair according to the corresponding repair reporting channels and procedures.

  Platform fraud car seller

  The format clause was deemed invalid.

  ■ Case replay

  Ms. Zheng spent 90,000 yuan to buy a used car through a used car platform, and the dashboard showed that the mileage of the car was 49,000 kilometers. In addition to signing a car purchase contract, the second-hand car platform also provides an unsigned Second-hand Car Inspection Report as an annex to the contract. When Ms. Zheng sent the vehicle to the 4S shop for testing, she found that the actual mileage of the vehicle had reached 98,000 kilometers six months ago. She believes that there is fraud in the platform and appealed to the court, demanding that the other party pay 100,000 yuan in compensation. The second-hand car platform believes that it is only an intermediary company, and the sales contract signed with the plaintiff Ms. Zheng is entrusted by the actual seller. Moreover, in the test report, it is clearly stated that "the mileage indicated in the test report is for reference only, and no commitment is made to the actual mileage." The court held that there was fraud in the second-hand car trading platform, and the clause in the test report issued by it was a format clause and should be considered invalid. The judgment supported all the claims of Ms. Zheng.

  ■ Judge’s statement

  A standard contract refers to a pre-drawn contract for repeated use by the parties without consulting the other party when concluding the contract. According to the law, if the party providing the standard terms has the obligation to prompt and explain, it should draw the attention of the other party to the terms that exempt or limit its liability, and explain them according to the requirements of the other party. The standard terms that exempt the party providing the standard terms from the main obligations and exclude the main rights of the other party are invalid. In this case, the platform unilaterally exempted it from the real responsibility of guaranteeing the mileage of vehicles in the transaction, and did not provide evidence to prove that it had fulfilled its obligation of reminding or explaining, so the format clause was invalid.

  Civil fraud refers to the act of deliberately telling the other party false information or deliberately concealing the true information in the process of establishing, changing and terminating civil rights and obligations, and inducing the other party to make a wrong representation. In this case, the second-hand car platform, as a brokerage company specializing in used motor vehicles, has the professional knowledge and detection ability related to vehicles, should know the important information of the vehicles sold by its company, and has the obligation to inform consumers of the real situation of the vehicles, but it fails to accurately inform consumers, which is a deliberate concealment of the real situation, deceiving and misleading consumers to buy the vehicles involved, which constitutes fraud. According to the provisions of China’s Consumer Protection Law, if a business operator commits fraud in providing goods or services, it shall increase the compensation for the losses it has suffered according to the requirements of consumers, and the amount of compensation shall be three times the price of the goods purchased by consumers or the cost of receiving services.

  Buying a car has been delayed.

  You have to pay for your actions

  ■ Case replay

  The plaintiff Ding received a phone call from a used car salesman, saying that someone wanted to buy a Buick Excelle that he hung on the Internet. After many discussions, the final transaction price is 17,000 yuan, provided that the buyer Liu bears the violation of the vehicle. Subsequently, Ding should drive the car to a store. After checking the car, Liu decided to buy it. During the transfer procedures between the two parties, Liu drove the car away privately. Ding appealed to the court and asked Liu to assist in the transfer procedures. The used car trading platform and Liu compensated for the loss of 4,500 yuan. After trial, the court ruled that Liu assisted Ding in handling the vehicle transfer procedures and compensated the other party for a loss of 1,500 yuan.

  ■ Judge’s statement

  In this case, both parties have clearly agreed that both parties shall go through the transfer formalities within 3 working days after the signing of the contract and the full payment of the transaction vehicle price. It is the obligation of both parties to handle the transfer of vehicles, and since the vehicles involved and related procedures have been delivered to Liu, Liu, as the buyer, should assist Ding to handle the transfer procedures. Because the vehicles involved in the case were not handled in violation of regulations, Ding was at fault in causing the dispute in this case. He said that there was no evidence to support the violation at that time, so the court decided on the proportion of its loss. The second-hand car trading platform only acted as an intermediary to facilitate Liu and Ding to reach a sales contract relationship, and had fulfilled their due contractual obligations. Ding asked him to bear the liability for breach of contract, which was unfounded in the law and the court did not support it.

  What the judge needs to remind here is that both buyers and sellers of used cars and platforms should strictly abide by the contract, otherwise they will have to pay for their actions. In this case, the two parties have not gone through the transfer formalities, and Ding will hand over all the formalities of the vehicle and the car keys to the other party. He also bears certain responsibilities for the occurrence of the dispute and should bear the corresponding legal consequences.

  (Author: Haidian District People’s Court, Beijing)

Consumer loan, you have to run steadily to run fast. Where can I apply?

  Source: China People’s Bank, wind information Cartography: Cai Huawei.

  Preventing and resolving major risks is one of the three major battles in the decisive period of building a well-off society in an all-round way. Financial security is not only related to the overall economic situation, but also closely related to people’s lives. Especially in recent years, various emerging financial platforms and products have emerged in an endless stream. While solving the "pain point" of demand, new technologies and new means have also brought some hidden risks. Many financial security problems are emerging from people and gradually accumulating and expanding.

  Starting from me, everyone is the first gatekeeper of financial risks by understanding financial knowledge, enhancing risk prevention awareness and cultivating a rational view of wealth. Starting from today, this newspaper launched a series of reports "Rejecting the financial risks around us", focusing on three areas that are closely related to daily life but also need to be regulated — — Consumer loan market, payment industry and internet insurance, introduce new financial products, rationally analyze possible hidden risks, explore ways to resolve risks, and make people’s financial life safer and more satisfactory.

  Convenient and quick, refueling for consumption.

  From high-end furniture, jewelry and antiques to digital products, refrigerators and televisions, consumer loans have supported the rapid development of the retail consumer market.

  "In August this year, the whole family was preparing to travel abroad. At that time, it was just in time to pay the English training fee for the children. It cost about 70,000 to 80,000. Unfortunately, at that time, the money was a little tight, so I thought I could borrow some money." Xing Hui, an employee of a state-owned enterprise in Nanjing, finally chose a bank consumer loan with lower interest rate after comparing the products of banks and Internet financial platforms.

  Because it was only a short-term emergency, Xing Hui borrowed it for one month, with a quota of 50,000 yuan, and the interest rate was three ten thousandths per day, so the annual interest rate was about 10%. "Maybe it’s because I had a good credit in the bank before, and the loan approval was particularly fast. Apply on mobile banking, and after a few hours, 50,000 yuan will arrive. " Xing Hui said. After the repayment, the bank called to show the consumption details, and Xing Hui photographed the payment voucher and sent it, which passed smoothly.

  But recently, loans have not been so "loose". "I want to apply for short-term consumer loans these days, and I found that the bank’s pre-loan review is strict, and the materials required are more specific. Bank staff said that it is necessary to strictly review the use of loans at all levels to apply for consumer loans now. " Xing Hui said.

  In addition to banks, consumers can also obtain loans from consumer finance companies, e-commerce platforms, Internet staging platforms and small loan companies. More and more young people are beginning to try new ways of consumer loans.

  Wen Nie just graduated from school of visual arts, Shanghai, majoring in photography. During his internship at the TV station, Wen Nie had a wish to photograph the natural beauty of his hometown Shennongjia with drones. After comparing prices on various e-commerce platforms, Vinnie finally chose to buy a DJI UAV in 24 phases on an e-commerce platform, just in time for the interest-free activities of the platform, and the repayment for each phase was only 225 yuan.

  "At that time, I could get an internship salary of more than 2,000 yuan per month, and the repayment pressure was not great, so I didn’t need to reach out to my parents for money. Now, I am used to buying various electronic products by installment, such as mobile phones and computers that I use now, all of which are bought in this way. " Vinnie said.

  In recent years, consumption has replaced investment as the first driving force of economic growth, which is inseparable from financial support. According to the data of the People’s Bank of China, this year is 1-mdash; In September, residents added 1.49 trillion yuan of short-term consumer loans, which was 1.79 times that of last year. Consumer finance showed explosive growth. From high-end furniture, jewelry and antiques to digital products, refrigerators and televisions, there are corresponding financial services and products in various consumer fields.

  "Residential sector loans include mortgage loans and consumer loans. In recent years, the financing balance of the residential sector has risen rapidly. By the end of 2016, the balance of residential mortgage loans in China was about 20 trillion yuan, and the balance of consumer loans was only five or six trillion yuan. Mortgage loans were equivalent to about four times that of consumer loans. In mature markets such as the United States, the debt balance of the residential sector exceeds that of the enterprise sector, and the proportion of mortgage loans and consumer loans is equivalent in the financing balance of residents. It is conceivable that with the development and upgrading of the consumer market and financial products in the future, there is still a lot of room for growth in consumer loans. " Ceng Gang, director of the Banking Research Office of the Institute of Finance of China Academy of Social Sciences, said that if the growth rate of 20% is predicted, the scale of China’s consumer credit will exceed 12 trillion yuan by 2020.

  The down payment is not enough, and consumer loans come together.

  Due to the differences in customer groups and risk control capabilities, the proportion of consumer loans provided by various financial and non-financial institutions may be higher.

  While boosting people’s consumption, there are also many problems in the consumer loan market, such as numerous participating institutions, mixed fish and dragons, lax examination of the qualifications of lenders, and inadequate supervision of the amount and use. Coupled with the irrational consumption and borrowing of borrowers, consumer loans are transformed into "down payment loans" and "investment loans", which breeds potential risks.

  At the beginning of this year, Chen Jing, an employee of a cultural enterprise in Beijing, wanted to change the school district for her children. Suddenly, the purchase restriction policy was introduced intensively, and Chen Jing panicked, fearing that the subsequent cost of buying a house would be higher and higher. The seller who talked about it also felt that he could not wait any longer, for fear that the house price would fall. Together, the two families decided to pay a quarter of the total price of the house as a down payment, and passed the house first.

  I haven’t sold my house, and I have to pay millions of yuan for it. Where did so much money come from? Chen Jing pieced together several million yuan, and the remaining fund gap can only be solved by loans. "At that time, it was more convenient to apply for a loan from the bank. The bank saw that my previous credit record was relatively good, and quickly gave me a credit loan. The money was directly transferred to the account, and then I could control it freely. As long as the repayment can be made on time, the bank should not be too concerned about how to use the money. " Chen Jing said that the interest rate is acceptable, which is about 30% higher than the benchmark interest rate. "Now the mortgage has not been fully completed. When the mortgage and credit loan are paid together, the pressure is still not small, and it will cost about 40,000 yuan a month."

  Chen Jing learned that in addition to this kind of loans directly transferred to the borrower’s account, some banks’ loans give the borrower a spending limit, which requires actual consumption behavior before they can be used. But this is not without a "flexible" approach, you can find a merchant to cash out, as long as you pay a certain handling fee.

  "Now bank loans are much stricter, and it is difficult to get a maximum loan of 1 million yuan, which is basically about 300,000 yuan, and the interest rate has also risen a lot. Asked a few months ago, it is basically at least 40%. " Chen Jing learned that recently, it began to strictly investigate the flow of consumer loans, cracked down on down payment loans, and banks strictly controlled the misappropriation of personal consumer loans to purchase houses.

  Looking at the unclear flow of consumer loans, we can’t just stare at banks. "There are also various types of financial and non-financial institutions that provide consumer loans, and there is also the possibility of entering the property market, and the proportion is higher. This year, the special rectification of Internet finance continued, and the number of platforms in peer-to-peer lending decreased, but the trading volume of platforms increased. The data shows that in the first half of the year, the national online loan turnover reached 1.93 trillion yuan, a year-on-year increase of 72.81%. At the same time, the loan balance of small loan companies reached 960.8 billion yuan in the first half of the year, an increase of 31.3 billion yuan over the beginning of the year, which was the first time in the past three years. Online lending platforms and small loan companies do not monitor the flow of funds, and the possibility of misappropriation of funds is high. There are also a few platforms and intermediaries that directly provide loan support for the down payment of house purchases. " Dong Ximiao, a senior researcher at Chongyang Financial Research Institute of Renmin University of China, said.

  Different customer groups and different risk control capabilities also make risks more concentrated in the field of consumer loans outside banks. "Different consumer platforms serve different people and face different risks. The customers served by commercial banks have stable income, good credit records, rational consumption concepts and relatively controllable risks. And serving students, migrant workers, blue-collar workers, etc. ‘ Long tail crowd ’ The risk of consumer finance platform will be higher. Under normal circumstances, the platform’s risk control ability is insufficient, and the consumption scene is missing. It will choose to cover high risks with too high interest rates. The consequences of this will breed circular risks, causing long-term borrowing, borrowing new and returning old, and inappropriate collection methods. " He Fei, a senior researcher at the Development Research Department of Bank of Communications, analyzed.

  Fill the gap and protect consumers.

  Some platforms have insufficient information disclosure, and the interest rate is not high, but when all kinds of expenses are added up, the comprehensive cost is very high.

  The risk can’t be underestimated, but the turbidity current is not mainstream. Risk trigger points such as loan misappropriation and excessive borrowing are not the main reasons for the rapid growth of consumer loans.

  "The real reason for promoting the growth of residents’ short-term consumer credit scale is that in the process of consumption upgrading, the credit demand space of retail customers is gradually opened. With the rising income level of residents and the improvement of consumption and payment technology, people’s demand for consumer financial products will become stronger and stronger, and the consumer loan market and the retail market complement each other and promote each other. " Ceng Gang said, of course, we should also pay attention to the possible impact of excessive leverage in the residential sector.

  The "melee" between financial institutions and non-financial institutions should be changed, and all kinds of institutions engaged in consumer loan business should be strengthened in supervision, and unified regulatory standards and requirements should be applied without discrimination.

  "The sources of lending funds for many platforms are unclear and there is a risk of long-term lending, which implies that the flow of funds between platforms is quite frequent. Supervision must first find out the source of funds for platforms. Secondly, it is necessary to conduct in-depth investigation on the customer acquisition method, risk control and scenario expansion of a single platform, and eliminate and clean up a number of informal consumer finance platforms. And check the legality of all subjects in the consumer loan ecological chain, including the consumer loan platform itself, the Internet giants and other diversion platforms, personal credit reporting pilot institutions, third-party collection agencies, third-party data providers, etc., and severely crack down on interest collusion and illegal interest transfer. " He Fei said that we can learn from some foreign experiences, strengthen supervision, and strengthen legislation and market access mechanisms. In particular, it focuses on the access standard, licensed operation, interest rate ceiling setting, loan use limitation, platform exit mode, etc.

  There must be comprehensive and perfect consumer protection laws and regulations. Ceng Gang introduced that in mature markets such as the United States, institutions engaged in consumer credit have higher entry barriers, and the regulatory rules concerning retail business are more stringent than those concerning public business. These countries think that the customers of retail business are less able to identify risks than companies and need protection more. On the contrary, the consumer credit market has developed relatively late and its scale is not large. Before, it focused more on protecting the interests of financial institutions and neglected the protection of lenders. In the future, with the continuous development of the consumer loan market and more and more people involved, it is even more necessary to fill the gap and escort everyone’s financial life with regulations.

  "Now some platforms have insufficient information disclosure. The interest rate mentioned is not high, but when all kinds of expenses are added together, the comprehensive expenses are very high. " Ceng Gang said that some platforms use this way to induce consumers to borrow excessively, without making borrowers fully aware of the troubles and consequences that high interest rates may bring to themselves. In particular, minors, or students who are not deeply involved in the world, have a vague understanding of risks and are more likely to over-consume and over-borrow.

  In the long run, we should speed up the construction of an honest society and improve the personal credit information system. He Fei said that at present, the construction of China’s credit system is still difficult to support the rapid development of the credit society, and the personal credit information system lags behind the development of credit, which leaves a loophole for illegal platforms. The regulatory authorities should cooperate with public departments, formal financial institutions, licensed consumer finance companies, large-scale Internet platforms, personal credit reporting pilot institutions, large-scale data companies, etc. to jointly promote data information sharing and market-oriented credit reporting system construction and support the development of consumer credit business.

  For individual residents, they should borrow reasonably and control leverage according to their own economic ability. Dong Ximiao said that in general, the monthly repayment expenditure should be controlled below half of the household income, and it is best not to exceed one third.

  Consumer finance company’s products have small single credit line and fast approval; Internet consumer finance embeds consumption scenes.

  Where can I apply for a consumer loan? (Extended reading)

  At present, the institutions engaged in consumer finance business in the market can be roughly divided into four categories: commercial banks, consumer finance companies approved by the China Banking Regulatory Commission, Internet consumer finance, including e-commerce platforms and Internet staging platforms, and other institutions such as small loan companies.

  commercial bank

  Commercial banks engage in consumer finance mainly through the following three forms: first, holding or participating in consumer finance companies; The second is to cooperate with various e-commerce platforms to realize the extension of consumption scenarios. The third is to independently launch credit products and build an e-commerce platform. Commercial banks have a huge customer base and massive user consumption data, so they can provide diversified innovative credit products through the analysis of customers’ consumption habits and credit ratings.

  consumer finance company

  Consumer finance companies are positioned as a supplement to traditional banks, mainly targeting low-and middle-income groups and emerging customer groups. Compared with banks, it has unique advantages and competitiveness because of its small single credit line, fast approval, no mortgage guarantee and flexible service.

  The current business models of consumer finance companies can be divided into three categories. One is mainly based on offline channels; A main online and offline e-commerce model; There is also a category that positions itself as an Internet finance company.

  Internet consumer finance

  With the popularity of the Internet, the combination of the Internet and consumer finance is closer, and all aspects of traditional consumer finance activities have realized electronization, networking and informationization, greatly improving the efficiency of consumer finance. Compared with traditional consumer finance, Internet consumer finance has distinct characteristics: massive data support, enhanced user experience, and the embedding and penetration of consumer scenes to make up for the lack of traditional consumer finance in the segmentation field.

  According to the report released by the National Finance and Development Laboratory, Internet consumer finance includes the following representative modes: one is the consumer finance of e-commerce platform, represented by Ant Financial, Jingdong Finance and Suning Finance; One is Internet consumer finance in market segments; One is the main installment shopping Internet consumer finance platform; One is the platform that focuses on mobile credit.

  Other institutions

  There are also some microfinance companies involved in consumer finance. Take AEON Group as an example, its microfinance company in Shenyang provides customers with installment payment services for durable consumer goods such as household appliances and furniture, which can achieve 30-minute approval, fixed monthly repayment, and no need for credit card or mortgage guarantee.

  (Ouyang Jie, Song Chao Chai Jin finishing)

The Biography of Naruto Bo Ren: A New Endurance Attack: A Review of the Flashy Endurance Stewing.

  Biography of Naruto: New Endurance Attack is a brand-new attempt of Naruto IP, which is different from the extreme storm series that is good at telling stories and performing effects. Naruto: New Endurance Attack focuses on online PVP. In this game, online battle of 4V4 is the main gameplay. Players compete with other players in different modes by teaming up, thus improving their level and dominating Endurance League. The biggest selling point of this game is the powerful customization system. Players will no longer play the role in the original, but create a unique "ninja" by customizing ninja, equipment and image. This also allows it to distinguish itself from the extreme storm series.

  However, this insurmountable "mountain" is undoubtedly a difficult challenge for "Huo Ying: New Endurance Attack". From the previous preview, the first impression of the game is very profound, and the customized system with strong plasticity in 4V4 online battle has successfully attracted the attention of the original fans. Then, can "Huo Ying: New Endurance Attack" carry forward this IP on the road of the game like the extreme storm series?

Wandering stars
The scene between Naruto and Sasuke is as bad as the scene where Batman’s parents died.

  The story of "Huo Ying: New Endurance Attack" happened after the comic book Endurance World War, when Naruto had become Huo Ying. In order to better prevent future wars, Konoha organized a Endurance World League with other villages. The player is a contestant and comes to Muye Village to participate in the competition. Different from playing the original role in other Huoying games, in Huoying: New Endurance Attack, with the powerful custom system of the game, players can pinch out unique roles. The advantage of not controlling the original role is that players can participate in the battle in their own capacity, giving players the greatest sense of participation.

  If you read the original, you will find that although there are many options for each part, most of them actually split the characters’ faces and costumes in the comics for players to choose from. If you don’t like the original role, you can make an identical one according to the role you like.

Wandering stars
From head to toe, clothes to accessories can be customized, and you will often see all kinds of strange and fancy players in the hall.

  The custom system of the game is not limited to the shape of the character, but can be reflected in the "avatar system" of the game. You can understand this system as a profession. Players decide their own role attack methods according to four basic types. Of course, you can switch at any time in the subsequent battles.

  Avatars are mainly divided into attack, defense, shooting and healing. In fact, you can put them in the right place with other basic occupations that are common in online games. Attack is good at melee output, shooting is good at remote output, and most skills of defense are defensive. The more you play an auxiliary role in the team, the more you are a wet nurse, which can support your teammates. Each battle consists of a team of four players. Although theoretically speaking, it is reasonable to output one T and one wet nurse according to the matching of occupations, in fact, in this game, attack and shooting have a great advantage in the battle, and teams like 4 attacks, 2 attacks and 2 shots often appear, while Shouheyue rarely sees them play because of their low attack power.

Wandering stars
The skills of the characters are all familiar moves in the original, and they can be combined at will according to different occupations.

  Each class has two main skills and an arcane meaning, and the weapons it can carry are also different according to different classes. It should be noted that the professional customization system is very powerful. As long as the players upgrade their level, the obtained ninja skills can be matched at will. You can either let the characters open eight armor-dodgers and put spiral pills, or you can use them together with Deidara’s explosives.

Wandering stars
Players can worship the characters in comics as masters and learn their unique skills by upgrading their level.

  Of course, the system also provides players with a number of characters in comics. If you are tired of using custom characters, it is also a pleasure to use a set character.

Wandering stars
As a random game, there are only 20 characters in comics available to players at present.

  It should be noted that playing needs to be connected to the internet all the time. It is not easy to play smoothly. Besides having a good network environment, the server is often disconnected and stuck, which has become a "threshold" that hinders players’ smooth experience. At the same time, each battle needs to be matched on the basis of a player’s network. If the owner’s network is not good, the other seven people in the room will be stuck and affect the battle, or they will be kicked out of the room to match again. This situation of being kicked out without rhyme or reason appears very often in the game.

Wandering stars
This is probably the most common interface you see when you experience the game.

For more information, please pay attention to:

The annual funding amount is more than 290 billion yuan. Big data helps students with accurate and efficient funding.

  Some time ago, Lu Wei, a graduate of Beijing Institute of Technology, returned to her hometown and became a directional Selected Graduates in Guangxi Zhuang Autonomous Region. Talking about this choice, she said: "With the help of the national funding policy, I successfully completed my studies. I am duty-bound to return from my studies and build my hometown. "

  Like Lu Wei, thanks to the increasingly sound student financial aid system, more and more students are no longer out of school because of family financial difficulties, but also get incentives for self-improvement and all-round development. The reporter learned from the Ministry of Education that at present, China’s student financial aid has realized the combination of multiple policies of "award, assistance, loan, exemption, diligence, supplement and reduction", with an annual subsidy of 160 million people and an annual subsidy of more than 290 billion yuan.

  The system is more complete

  All classes, all schools and all students with financial difficulties from families are fully covered.

  Fu Huiping was born in a remote mountain village in Hongya County, Meishan City, Sichuan Province. In 2012, her father was accidentally injured at the construction site, resulting in lifelong disability, which made the poor family worse.

  "Just when we were most embarrassed, the care of the party and the government came quietly." Fu Huiping said that during junior high school, on the basis of the "three exemptions" policy of compulsory education, she enjoyed an annual living allowance of 1,250 yuan for students from poor families and an annual education poverty relief fund of 2,000 yuan. During senior high school, I will enjoy 3,000 yuan of state grants and 1,500 yuan of educational poverty relief funds every year.

  With the continuous support, Fu Huiping was able to study with peace of mind. Last year, she was admitted to Sun Yat-sen University with excellent results. At the same time, she received a subsidy of 5,000 yuan from 1000 yuan and Yucai Education Foundation for freshmen, and applied for a student loan.

  "Along the way, I remember everyone who helped me and every student fund." Fu Huiping said: "I want to turn care into the driving force to move forward, study hard, and pass on love and hope."

  To protect people’s livelihood and warm people’s hearts, student financial assistance is related to education equity and people’s livelihood well-being. In recent years, from the establishment and implementation of the pre-school education funding system, to the exemption of tuition and miscellaneous fees for students with financial difficulties in ordinary high schools, to the establishment of national scholarships for secondary vocational schools, and the introduction of national funding measures for college students to enlist in military service, the scope of student funding has gradually expanded and the scale has steadily increased, achieving three full coverage of the funding policy "all classes, all schools and all students with financial difficulties in families".

  Not long ago, the Notice on Adjusting and Perfecting the Relevant Policies of Student Loans was issued, which clearly stated that the maximum loan amount per student per year of national student loans would be increased by 4,000 yuan, the interest rate of national student loans would be reduced by 30 basis points, and the commercial student loans for graduate students would be carried out at the same time. The relevant person in charge of the Ministry of Education said that with full consideration of China’s economic and social development and the changes in students’ needs for assistance, the funding policies for each school section will be gradually improved.

  "China’s student financial aid policy system includes not only the policy of helping the poor, but also the policy of rewarding the excellent and encouraging and guiding. The introduction, adjustment and improvement of each financial aid policy have been fully investigated and demonstrated, which not only draws lessons from international common experience, but also considers China’s economic and social development, and strives to solve the urgent problems of the people, fully demonstrating the characteristics of China." Ding Xiaohao, a professor at Peking University Institute of Education, said.

  Help is more accurate

  Big data analysis has become a staff assistant for student financial assistance.

  Li Yafeng, from Zhangbei County, Zhangjiakou City, Hebei Province, was both excited and anxious when he received the admission notice from Xi ‘an Jiaotong University: "There was a rainstorm and flood disaster this summer, and our family suffered serious economic losses. I don’t know if I can apply for a difficult subsidy in a situation like mine? "

  When I was at a loss, the phone call from the school counselor solved the urgent needs of Li Yafeng’s family. "Before entering the school, the teacher gave me a detailed introduction to the funding policy, and guided me to apply for a special subsidy for disaster relief and apply for a student loan. At the time of registration, students will be admitted through freshmen ‘ Green channel ’ I entered school smoothly, and the school also distributed necessary daily necessities such as mattresses. " Li Yafeng said that these cares made him feel very warm.

  In the process of student financial aid, how to ensure that no one is left behind, that no student is dropped out of school because of family financial difficulties, and how to put every penny into practice and play its role? "Accuracy" becomes the meaning of the title.

  "Precision funding should be supported by informationization, so that data can become a staff assistant for student funding." Sun Zao, deputy secretary of the Party Committee of Xi ‘an Jiaotong University, introduced that the school has set up a big data analysis and service platform, comprehensively opened up the business systems of 16 departments, including academic work, teaching, enrollment and employment, and built a multi-dimensional and full-cycle growth file for students, so as to accurately depict students and accurately identify the aided students. For abnormal situations such as sudden changes in consumption habits, decline in academic performance, irregular attendance and rest, through early warning information, counselors and class teachers are reminded to follow up in time to carry out difficult subsidies, academic counseling, employment counseling, psychological assistance and other related work.

  Accuracy is the inevitable requirement and the basic method of student financial aid. Henan province has fully implemented the national funding system, implemented the data periodic reporting system, realized the informationization of funding management, and also developed a facial recognition supervision system to promote the funding into the "one card" distribution of benefiting the people and farmers; Peking University opened the Yanyuan sailing project to help the funded students in a grid way, so as to realize the cross coverage of the financial aid managers and sailing instructors for students with financial difficulties; Zhongnan University of Economics and Law encourages faculty and staff to integrate home visits of poor students into work such as out-of-town investigation, exchange and discussion, social practice, etc., and strive to improve the accuracy of the identification of funded objects … … Schools around the country take measures to ensure that student financial assistance is fairer and more efficient.

  "Starting from formulating the basis for identification, refining the working procedures, and establishing a comparison mechanism, we can accurately identify the aided students, find the accurate base, use technical means to carry out smart funding, and use big data analysis to carry out invisible funding. Nowadays, the accuracy and timeliness of the implementation of student financial assistance policies have been significantly enhanced." Ding Xiaohao said.

  Cultivate more comprehensively

  Attach importance to the improvement of students’ comprehensive quality and ability

  Some time ago, Liu Liwen, a student of Beijing University of Posts and Telecommunications, participated in a theme social practice that impressed him deeply. During the 10 days, the team members came to Tibet, made an investigation in the border villages in Lajiao Township, Luozha County, carried out patriotic propaganda in rural primary schools, and patrolled the border with border guards and border guards … …

  "I come from a remote township in Sichuan. As a beneficiary of the student financial aid policy, I have the opportunity to come to the frontier and witness the development, changes and prosperity of the motherland. I am very grateful to the country and the school, and I will work harder, be more tenacious and be more active in my future study and life." Liu Liwen said.

  "It is one of the important goals of our student financial aid work to let students enter the society, go deep into the front line, understand the national conditions and people’s feelings, and cultivate the feelings of home and country." Alice Chan, director of the Financial Aid Center of Beijing University of Posts and Telecommunications, said that the school has gradually established an all-round and diversified financial aid and education system to ensure that every aided student has a secure life, motivation to learn and a platform for development.

  In recent years, student financial aid has gradually extended from security to development, and the aided students have developed in an all-round way. Schools all over the country integrate socialist core values into scholarship selection, grant application, student loan handling, work-study and other links, carry out in-depth inspirational education, gratitude education and honesty education, focus on cultivating students’ spirit of striving for Excellence, glorious consciousness of labor and self-improvement quality, and guide students to establish a correct outlook on success, employment and values.

  At the same time, under the guidance of the subsidy policy, "solving difficulties — Educating people — Become a talent — A virtuous circle of feedback has gradually taken shape. Hundreds of thousands of aided normal students have devoted themselves to rural basic education, which has improved the quality of rural teachers; A total of 750 thousand college graduates have taken root in the central and western regions, hard and remote areas and old industrial bases, optimizing the structure of grassroots cadres and professionals; A total of 1.76 million people have enjoyed state funding for military service (including direct recruitment of non-commissioned officers), which has promoted the modernization of national defense and the army.

  "Student financial aid must adhere to the people-oriented principle. While doing a good job in economic assistance and life assistance, we should pay more attention to students’ quality training and ability improvement, give more support and help in study and study, provide and create more opportunities in social practice, and provide more guidance and help in employment and entrepreneurship." The relevant person in charge of the Ministry of Education said that it should be a higher pursuit of student financial assistance to make every child grow into a talent and realize his life dream.

  (Zeng Yuxi participated in the writing)

The 400,000th complete car of Euler Auto rolled off the assembly line. The 2023 Euler Good Cat & Good Cat GT Mulan Edition was listed as an honorable pet.

  For human beings, love is an endless topic. What is love? Everyone may have different opinions, but there is no denying that true love is a power to make people better.

  Speaking of cars, people subconsciously think of cold steel and hard-core industries. Euler, a new energy car that loves women more, is committed to being a romantic alien in this industrial world and deeply rooted "love" in the brand gene.

The 400,000th complete car of Euler Auto rolled off the assembly line. The 2023 Euler Good Cat & Good Cat GT Mulan Edition comes on the market _fororder_image001

  On August 20th, Euler Auto "Better for Love", together with many online and offline users, witnessed the launch of the 400,000th complete car of Euler, and the latest achievement created by the brand and users, the 2023 Good Cat & Good Cat GT Mulan Edition, was also listed at the same time, with a limited cash benefit of 129,800! On the same day, it coincided with the fifth anniversary of Euler’s founding. Euler, who grew up with users, not only invited users to visit the park, punch cards and interact, but also linked online users with 8 hours of live broadcast activities to witness the important moment of the brand and share a feast of love.

The 400,000th complete car of Euler Auto rolled off the assembly line. The 2023 Euler Good Cat & Good Cat GT Mulan Edition comes on the market _fororder_image002

The 400,000th complete car of Euler Auto rolled off the assembly line. The 2023 Euler Good Cat & Good Cat GT Mulan Edition comes on the market _fororder_image003

  400,000 love, condensed in a moment: Euler’s 400,000 th car rolled off the assembly line.

  Euler has always regarded users as the first driving force for brand growth. Brands talk to global users with love as the world language, and carry forward the power of "more love" with practical actions.

  Because of "more love", it is loved, and Euler Auto has gained the love of more and more users. In this activity, Euler welcomed the 400,000 th vehicle off the assembly line, and connected directly to Great Wall Motor Taizhou Smart Factory to witness this special Euler good cat driving out of the factory with users. Taizhou factory is the eighth largest vehicle production base built by Great Wall Motor in China and the strategic core of East China market, and is regarded as the "intelligent new engine" of Great Wall Motor’s new energy strategy. Relying on such a high-standard production system layout, Euler continues to provide users with high-quality and high-value automobile products. The automobile products under the brand have fully covered the A0-class to B-class market, which not only created a new category of women’s automobiles, but also gave them a new definition from a new perspective, creating more big items with a better life for women to travel.

The 400,000th complete car of Euler Auto rolled off the assembly line. The 2023 Euler Good Cat & Good Cat GT Mulan Edition comes on the market _fororder_image004

  Perhaps, the weight of love can’t be calculated by numbers, but Euler walks with 400,000 gentle forces with sincerity. In order to break the prejudice of cars against female consumers, Euler broke away from convention and became the first car brand in the world to clearly support women, focusing on the women’s car track. To this end, the Euler brand redefined the women’s track with technology and created the world’s first 1080 women’s safety architecture — — Warm technology makes "female car" not only a marketing amulet, but also a technical moat.

  Because of love, Euler saw the bloom of "genius mother"; Because of love, Euler joined hands with women to run the marathon of life; Because of love, Euler is willing to bend over to be the stage … … Euler firmly stands with women and works with users to build a feminine charm culture, witnessing the vitality, elegance, courage and exquisiteness of contemporary women, so that every bloom has strength. In Euler’s user base, the repurchase rate exceeds 26%, the referral rate exceeds 31%, and the proportion of female users exceeds 75%. The brand is deeply recognized and affirmed by the majority of users. At the same time, today’s Euler has already gone abroad, heading for 87 countries and regions around the world, talking to users around the world with love as the world language, and letting the world see the power of tenderness.

The 400,000th complete car of Euler Auto rolled off the assembly line. The 2023 Euler Good Cat & Good Cat GT Mulan Edition comes on the market _fororder_image006

The 400,000th complete car of Euler Auto rolled off the assembly line. The 2023 Euler Good Cat & Good Cat GT Mulan Edition comes on the market _fororder_image007

  As the leader of the new track for women’s cars, Euler has no fear of becoming a "lone warrior" in the industry. The brand was born in wonder, but also grew up in doubt and created new miracles, which made people see that in the world of cars, there are not only hardcore, parameters and competition, but also tenderness, delicacy and love. The 400,000th vehicle rolled off the assembly line, which means that the Euler brand will soon have 40 copies of support from users. There are 8 billion people in the world, and 400,000 of the 8 billion people may be small, but it is the love from users that makes the Euler brand more emboldened and more confident.

  For the sake of love, the 2023 Good Cat & Good Cat GT Mulan Edition was launched with a limited time cash benefit of 20,000 yuan.

  As early as this year’s Shanghai Auto Show, the Euler brand started the recruitment of "Good Cat Co-creation Officer" and received many valuable suggestions from users in the past four months. The newly listed 2023 Euler Good Cat and Euler Good Cat GT Mulan Edition are the latest achievements created by Euler and users, and they are also the witness of Euler’s love with users.

  Relying on the forest ecological R&D system of Great Wall Motor, Good Cat and Good Cat GT are equipped with the high-performance permanent magnet synchronous motor developed by Great Wall Motor, which is stronger, faster and quieter. While continuing the high quality of "Three Good" cats, the performance of the new car has been improved in an all-round way. It can achieve the maximum power of 135kW and the peak torque of 232N·m, and the acceleration of 0-50km/h takes only 3.5s, which is faster, more energetic and more powerful in the middle section, making it easier for both high-speed driving and urban commuting. At the same time, its maximum climbing degree is increased by 9% to 38%, and it can be more comfortable to go uphill and downhill, so it is possible to travel more when unlocking. Combined with user feedback, the new car has achieved better NVH performance, and can have better quietness when sitting in the car, bringing users a more comfortable and pleasant driving experience.

The 400,000th complete car of Euler Auto rolled off the assembly line. The 2023 Euler Good Cat & Good Cat GT Mulan Edition comes on the market _fororder_image008

  In addition, Euler brand pays attention to young people’s love for exquisite camping. Both Good Cat and Good Cat GT are equipped with V2L external discharge function, and the discharge power can reach 3.3 kW. In the wild, it is easy to use coffee machines, induction cookers, even projectors and other plug-in devices to easily meet the electricity demand of a family camping. Imagine that you can sit around with friends and family under the stars, watch a movie, enjoy a concert, or pick up a long-lost electric guitar and "roar" with your companions, from the city to the countryside, from high-rise buildings to castle peak, just by 2 hours’ drive.

The 400,000th complete car of Euler Auto rolled off the assembly line. The 2023 Euler Good Cat & Good Cat GT Mulan Edition comes on the market _fororder_image010

  In order to better give back to users, Euler brand has launched a cash discount of 20,000 yuan and free installation of charging piles for Good Cat and Good Cat GT! The 2023 Euler Good Cat 401km honorable model, the national suggested retail price is 149,800 yuan, and the price is 129,800 yuan after limited time; The 2023 Euler Good Cat 501km honorable model, the national suggested retail price is 165,800 yuan, and the price is 145,800 yuan after limited time; The 2023 Euler Good Cat GT Mulan Edition is a 401km honorable model, with a suggested retail price of 153,800 yuan nationwide and a price of 133,800 yuan after limited time. At the same time, the subscription users of Good Cat Honor can enjoy the external discharge function of V2L worth 2999 yuan for free; The good cat GT with V2L function has come standard, and you can also choose the intelligent assisted driving optional package at a 50% discount price!

The 400,000th complete car of Euler Auto rolled off the assembly line. The 2023 Euler Good Cat & Good Cat GT Mulan Edition comes on the market _fororder_image011

  Users are always Euler’s precious wealth and the source of power to support Euler’s continuous progress. Insisting on joining hands with users and "creating for love" also makes Euler’s products better and better. Better understanding of the user’s product strength upgrade, more people-friendly prices, and greater concessions are the most authentic feedback from Euler to users.

  From the past to the present, from 0 to 400,000, Euler has been practicing the promise of "more love" with practical actions. Euler brand regards love as a long-term cause and sincerely pays tribute to trust. In the future, Euler will also continue to walk with users, work hard for dreams and career together, and work with thousands of "her" in Qian Qian to love and be better. (Photo: Provided by Great Wall Euler)

Some banks have successively adjusted the online trading limit of personal accounts, and some banks have reduced their daily limit to less than 5,000 yuan.

Our reporter Peng Yan

Recently, some banks have adjusted the transaction limit of non-counter channel payment. Many banks, such as Bank of Qingdao and bank of dalian, have successively issued announcements to reduce the total payment limit of some personal accounts through non-counter channels. Among them, Qingdao Bank adjusted the daily limit of some personal accounts to less than 5,000 yuan.

According to the reporter’s understanding, since last year, in order to ensure the financial security of customer accounts, a number of banks have successively adjusted the limits of some customers’ non-counter transactions. What is the specific limit and whether it is limited? Banks make different adjustments to different regions and different customers, depending on the actual use of personal accounts and relevant policies in the region.

According to the historical usage of customers’ bills, Qingdao Bank will take protective measures to reduce the total payment limit of some personal accounts in non-counter channels (including online banking, mobile banking, express payment, self-service teller machines’ ATM’ and consumer terminals’ ‘POS machines’). The so-called non-counter channel refers to the business that is not handled at the bank counter, including but not limited to the business handled through online banking, mobile banking, gateway payment, express payment, POS, ATM, etc.

The Securities Daily reporter called a branch of Qingdao Bank, and the bank’s counter staff said that reducing the total payment limit of some personal accounts in non-counter channels was mainly aimed at restricting transactions in personal bank accounts with no transactions for a long time and low account balance, and adjusting the daily limit to less than 5,000 yuan.

"The risk control for personal bank accounts is tightened mainly to reduce the risk of damage to users’ funds. Because many users have lost their bank cards or have not used them for a long time. " The counter staff of Qingdao Bank told reporters that if the user subsequently applies for raising the limit, the bank will set a reasonable off-counter payment limit after re-evaluation.

Wu Dan, a researcher at China Banking Research Institute, told the Securities Daily that this is an important way to prevent and control bank accounts. It is difficult to confirm the real trading intention of customers for large-value transactions in non-counter channels, and it is difficult for customers to recover once the transfer is successful, so it is necessary to improve the transaction monitoring measures. Identifying customers’ daily trading habits through technical means, conducting customer risk assessment in time, and imposing account restrictions on abnormal operations can effectively protect customers’ "money bags" and give them normal operations when the security signals are sufficient, which greatly improves the quality and efficiency of financial anti-fraud and anti-fraud work.

In recent years, banks have been strengthening the management of personal accounts, from clearing "sleep accounts" to "one-person excess accounts", and then upgrading to include bank cards with balances lower than those in 10 yuan into sleep accounts. In particular, since last year, a number of banks have launched the "broken card" action.

Xue Hongyan, vice president of Xingtu Financial Research Institute, told the Securities Daily that the bank’s adjustment of account limit is mainly based on the need to prevent telecommunication network fraud or anti-money laundering. It monitors the account payment and transfer in real time through the system model, and adjusts the trigger limit for abnormal accounts. In addition, some sleep accounts that have not been used for a long time may also be lowered by the bank and need to be reactivated at the counter.

Wu Dan said that it is equally important for banks to improve the convenience of customers’ transactions and ensure the safety of customers’ funds. It is necessary to continuously improve the ability of account risk prevention and control management, find high-risk account transactions in time and implement dynamic tracking to reduce the risks involved in related accounts.

Xue Hongyan said that banks should improve the recognition accuracy of the monitoring model; For the account that triggers the limit adjustment mechanism, more options should be given to remove the restrictions, especially allowing users to operate online, so as to reduce the time cost and transportation cost of counter application.

Notice on printing and distributing the implementation plan for standardized training of residents and recruitment of assistant general practitioners in Anhui Province in 2020

Now "The Implementation Plan for the Recruitment of Standardized Resident Training and Assistant General Practitioner Training in Anhui Province in 2020 is issued to you. Please do a good job in the recruitment and implementation according to the actual situation and provide necessary safeguard measures for the training. If there are any problems in the implementation process, please contact the Science and Education Department of our Committee and the Management Center of Provincial Housing and Training Affairs at telephone number:

Shengzhupei affairs management center           0551-62284812     

Provincial Health Commission Science and Education Division           0551-62998587

Technical support of housing and training information management system  0551-62530721

Anhui province health health Committee

June 29, 2020

(Information disclosure form: voluntary disclosure)

 

 

 

Standardized training of residents in Anhui Province in 2020 and

Implementation plan for training and recruiting assistant general practitioners

 

In order to implement the "Implementation Opinions on Establishing a Standardized Training System for Residents in Anhui Province"[2015] No.183), strengthen the management of standardized training for residents/training for assistant general practitioners, ensure the unified, scientific, standardized and orderly training and recruitment, and ensure the quality of training and recruitment. This plan is formulated according to the relevant policy requirements of the state and our province.

First, the recruitment plan

In 2020, the standardized training program for residents in our province enrolled 3386 people, including 3066 people in western medicine and 320 people in Chinese medicine. The training program for assistant general practitioners enrolled 280 people, including 200 in clinical category and 80 in traditional Chinese medicine category.

See Annex 1 for the enrollment plan of standardized resident training/assistant general practitioner training in Anhui Province in 2020, Annex 2 for the enrollment plan of order-oriented medical student training, and Annex 3 for the assignment table of the specialties in short supply in cities and counties directly under the provincial government.

Second, the object of recruitment

Recruiting objects are divided into two types: training objects appointed by the unit (hereinafter referred to as "unit people") and socialized personnel (hereinafter referred to as "social people").

(1)Recruiting target of standardized training for residents

1. Basic conditions (one of the following conditions is enough)

(1) Graduates with bachelor’s degree or above who have been or intend to be engaged in clinical medical work in full-time colleges and universities majoring in medicine (referring to clinical medicine, stomatology, traditional Chinese medicine and integrated traditional Chinese and western medicine, the same below).

(2) Persons who have been engaged in clinical medical work and obtained the qualification of medical practitioners and need to be trained.

2. Application conditions and requirements

(1) applicants must be qualified as medical practitioners or registered as medical practitioners.Case, and has not obtained the certificate of standardized training for residents of junior or no title personnel.

(2) inPostgraduates with professional degrees and scientific degrees are not included in the scope of this recruitment.

(3) The professional categories (clinical, oral and traditional Chinese medicine) applied for should be consistent with the professional categories studied.

(4) The employer must obtain the consent of the appointing unit before applying for the exam, and the information about the training specialty, training base hospital and so on must be consistent with the letter of introduction stamped by the employer. Professional (base) volunteers are limited to 1 and base (hospital) volunteers are limited to 3.

(5) Social people fill in their volunteers according to their own reality, and the number of professional volunteers (bases) is limited to 3, and the number of base volunteers (hospitals) is limited to 3.

(6) In principle, the training objects appointed by primary medical and health institutions are limited to general practice, and the training objects appointed by central township hospitals can also apply for internal medicine.

(7) The 2020 rural order-oriented free medical undergraduate graduates must apply for the standardized training of general practice residents in a unified way.

(B) Assistant General Practitioner Training Recruiters

1. Basic conditions

Full-time graduates of medical majors (referring to clinical medicine and traditional Chinese medicine, the same below) who have been or intend to engage in clinical medical work.

2. Application conditions and requirements

(1)Applicants must beJunior or non-professional personnel.

(2)Enter oneself for an examination professional category (clinical, Chinese medicine) should be consistent with the professional category.

(3) The employer must obtain the consent of the appointing unit before applying for the exam, and a letter of introduction issued by the employer for agreeing to apply for the exam is required for qualification examination.

(4)twentytwentyThe rural order-oriented free medical college graduates must be in units.Enter oneself for an examination in person modeAttend assistant general practitioner training.

Third, the recruitment process

The recruitment work is carried out in accordance with the procedures of online registration, qualification examination, examination admission and publicity registration.

(1) Examination registration

This exam adopts online registration, and the applicants log on to the information management system platform of resident training in Anhui Province (http://220.178.116.78:9889/)To register, the registration start and end time is8: 00 on July 6th, 2020-17:30 on July 10th.

(2) Qualification examination

From July 6 to July 11, 2020, the applicants went to the first volunteer base hospital for on-site qualification examination.

From July 13 to July 16, 2020, the Provincial Health and Wellness Committee organized relevant personnel to review the qualifications of those who passed the preliminary qualification examination of each base hospital, and determined those who took the examination.

At the time of on-site qualification examination, applicants are required to provide the following materials:

1. A printed and signed Registration Form for Admission Examination for Standardized Training of Residents/Training of Assistant General Practitioners in Anhui Province in 2020 (printed directly from the platform after registration);

2. One original and one copy of the ID card;

3. One original and one copy of the certificate of bachelor degree or above, or one original and one copy of the qualification certificate of medical practitioner.

4. Letter of introduction from the unit (provided by the unit).

(3) Print the admission ticket

From 8: 00 on July 20, 2020 to 17:30 on July 24, 2020, qualified personnel logged on the platform of Anhui resident training information management system to print the admission ticket.

(4) Examination admission

The examination method is a comprehensive written medical examination, with unified proposition and marking in the whole province. The examination categories are divided into five categories: clinical medicine, stomatology, traditional Chinese medicine, clinical assistant general practice and traditional Chinese medicine assistant general practice. Examination time:From 9: 00 am to 11: 30 am on July 25, 2020, see the admission ticket for the examination place.

followThe principle of "openness, fairness, merit-based admission and two-way selection", according to the examination results of candidates, according to the voluntary priority to determine the admission training targets. If the base hospital or the corresponding major fails to complete the enrollment plan, it will be transferred from the staff who obey the transfer; Accommodation and training transfer admission gives priority to meeting the urgent and scarce professional needs of general practice, pediatrics, psychiatry, obstetrics and gynecology.

(five) publicity report

After the recruitment, the Provincial Health and Wellness Committee will publicize the results of the recruitment to the public in a timely manner.

After receiving the official list of admission personnel, the training base shall inform the trainees of the registration time and related requirements in time. The training time starts from the date of training, and serves as the basis for enjoying relevant financial subsidies. The training object appointed by the unit shall be signed by the appointing unit, the training base and the training object (Annex4 or Annex 6), the trainees must return to their original units after the training, and the training base shall not retain the trainees appointed by the units; The training base signs a training agreement (Annex 5 or Annex 7) with the trainees who are recruited for the society, and the files are placed in the talent exchange center designated by the training base. After the training, the trainees choose their own jobs. Those who can’t report on time must have justified reasons and relevant certificates, and ask for leave from the training base hospital, and postpone the corresponding training time after reporting; Those who fail to report for a week without reason will be disqualified from the training and will be deemed to have withdrawn from the training on their own.

Fourth, requirements

(a) forImplement the State Council’s deployment of novel coronavirus epidemic prevention and control and the requirements of the provincial party Committee and the provincial government to ensure thatDuring the examination, the life safety and physical health of the majority of candidates and examination staff are ensured, and the examination and assessment work is carried out smoothly. All localities and units should strictly follow the implementation of the COVID-19 epidemic prevention and control work plan during the standardized training and examination of residents (see Annex8)。

(two) municipalities and counties directly under the jurisdiction of the Health and Health Committee should strengthen leadership and raise awareness, and do a good job in the publicity and guidance of standardized training policies for residents; Supervise the medical institutions within the jurisdiction to actively mobilize and send qualified personnel to sign up for the training, and ensure that in accordance with the relevant provisions of the state and our province’s health science and education secret [[2015] No.183 requires the implementation of relevant treatment for trainees. It is necessary to actively select personnel from medical institutions at all levels to participate in the standardized training of general practitioners/assistant general practitioners, focus on the construction of general practitioners, and at the same time take into account the selection of training in pediatrics, obstetrics and gynecology, etc.Ensure the completion of the recruitment task of the shortage of majors.Formulate a tilt policySupport personnel who meet the training requirements in underdeveloped areas and poverty-stricken counties such as Dabie Mountain Revolutionary Old District and northern Anhui to participate in the training. Strengthen the pairWork supervisor of subordinate base,Do a good job in the implementation of recruitment and training.

(2) Medical institutions at all levels should mobilize qualified personnel to actively register, and the appointed units should determine the future professional positions of the dispatched personnel before registering. The letter of introduction should specify the corresponding training majors, and individuals and units may not apply for adjustment of training majors unless due to force majeure. After the training, the appointed unit will carry out its post in strict accordance with the training specialty determined by the letter of introduction. Establish and improve the relevant systems, strengthen the management of the training objects sent by the unit, and do a good job of communication and communication during training; Formulate corresponding incentive policies and safeguard measures, timely pay or distribute the post salary, salary scale salary, social insurance, housing accumulation fund and corresponding welfare that the dispatched unit should bear according to the regulations, and ensure the implementation of the treatment stipulated in the policy during the training period.

(III) Each training base shall, in accordance with the requirements, formulate its own recruitment brochure, publicize the characteristics, characteristics and advantages of the base, clarify the base treatment of trainees, formulate preferential policies for applicants with major shortage and social people, improve the enrollment rate and admission rate of major shortage and the proportion of students with social people, and strive to complete various recruitment plans. Carefully review the registration qualifications, make early preparations for new students to enter the base, and ensure that the registration and pre-job training are successfully completed within the prescribed time limit; Sign the training agreement in time to ensure that all kinds of subsidies are paid in place during the training of the trainees. The completion of the recruitment plan of each training base, especially the completion of the tasks of the shortage of majors such as general practice, will serve as an important basis for the dynamic management of training bases, financial subsidies, striving for Excellence and the allocation of enrollment places in the next year.

(four) improve the integrity system of standardized training for residents, and will be informed of dishonest behavior. Once verified, the applicants who practise fraud in the training and recruitment work will be disqualified from registration and training, andWithin 3 years (2 years for assistant general practitioners), you may not enroll in standardized training for residents or enter standardized training for residents in other forms (such as applying for professional degree graduate students, etc.); For the admitted trainees (subject to the public list), if they fail to report for duty or quit the training after reporting for duty due to personal and non-force majeure reasons, they shall not sign up for standardized training for residents within 3 years (2 years for assistant general practitioners) or enter the standardized training for residents in other forms (such as applying for professional degree graduate students). If the unit person withdraws from the training due to the reasons of the unit, it will be included in the target assessment of the city or unit, and will be linked to the performance appraisal of public hospitals. For the training base that violates discipline and discipline in the recruitment and training work, informed criticism will be given until its base qualification is cancelled, depending on the seriousness of the case.

 

Attachment:1. Standardized training for residents in Anhui Province in 2020/Assistant General Practitioner

Training enrollment schedule

2.2020 order-oriented medical student training enrollment schedule

3.2020 Assignment Table for Specialties in Shortage in Cities

4. Standardized Training Agreement for Residents in Anhui Province (unit)

5. Standardized training agreement for residents in Anhui Province (social person)

6. Anhui Assistant General Practitioner Training Agreement (unit)

7. Anhui Assistant General Practitioner Training Agreement (social person)

8. COVID-19 epidemic situation during standardized training and examination for residents.Prevention and control work plan

Attachment 1-1: Allocation Table of Anhui Resident Standardized Training Enrollment Plan in 2020. xlsx
Attachment 1-2: Anhui Assistant General Practitioner Training Enrollment Schedule in 2020. xls
Attachment 2: 2020 Order-Oriented Student Training Enrollment Schedule. xlsx
Attachment 3: Assignment Table for Major Selection in Shortage in Cities in 2020. xlsx
Attachment 4: Standardized Training Agreement for Residents in Anhui Province (unit). doc
Attachment 5: Standardized Training Agreement for Residents in Anhui Province (social person). doc
Attachment 6: Anhui Assistant General Practitioner Training Agreement (unit). doc
Attachment 7: Anhui Assistant General Practitioner Training Agreement (social person). doc
Attachment 8: Work Plan for Epidemic Prevention and Control in COVID-19 during the Standardized Training and Examination for Residents. doc

Many places have intensively landed in the property market. The activity of the New Deal real estate market is constantly "warming up"

CCTV News:On June 2nd, Suzhou, Jiangsu Province issued 16 measures for the new real estate policy, making it clear that the qualification for purchasing houses will no longer be examined in Suzhou.

In addition, non-Suzhou household registration personnel who buy or own legally owned houses in Suzhou and actually live can apply for settlement. Cancel the lower limit of the interest rate of individual housing loans for the first and second suites, and commercial banks can independently determine the specific interest rate level of each loan according to the risk status of customers. The minimum down payment ratio of the first suite is adjusted from not less than 20% to not less than 15%, and the minimum down payment ratio of the second suite is adjusted from not less than 30% to not less than 25%. If the purchaser has no housing within the urban area of the purchased housing, or only one set of housing within the urban area of the purchased housing is being listed for sale, the mortgage loan for the newly purchased housing can be recognized as the first set of housing.

Ministry of Housing and Urban-Rural Development: Increase support for new citizens and other groups to rent houses and withdraw housing provident fund.

Recently, the People’s Bank of China announced that the interest rate of individual housing provident fund loans will be lowered by 0.25 percentage points from May 18th. Subsequently, officials in Shanghai, Chongqing, Liaoning and other places announced that the interest rate of individual housing provident fund loans would be lowered. The Ministry of Housing and Urban-Rural Development said that while increasing the support for depositors’ loans, the next step will be to increase efforts to support groups such as "new citizens" to rent houses and withdraw housing provident fund.

The Ministry of Housing and Urban-Rural Development said that at present, the housing provident fund has continuously increased the extraction of renting houses in support of "new citizens", young people and families with many children to solve housing problems, and supported families with many children renting houses to extract the housing provident fund according to the actual rent expenditure.

The Ministry of Housing and Urban-Rural Development said that for families with many children who buy the first home, all localities should provide appropriate policy support such as increasing the loan amount according to the actual situation. In recent years, the amount of housing provident fund for renting houses and the number of people have increased rapidly. Every year, more than 15 million "new citizens" and young people are supported to withdraw housing provident fund to pay rent, among which young people under 40 account for more than 80%.

In addition, in terms of supporting affordable rental housing, various localities have actively taken measures to increase the amount and frequency of rental housing withdrawal, and supported depositors who rent affordable rental housing to withdraw housing provident fund according to actual rental expenses. Some urban provident fund centers have also cooperated with affordable rental housing operators to provide depositors with preferential facilities such as rent discounts and deposit relief.

Shanghai: the provident fund can be withdrawn to repay the housing provident fund loans in different places in the Yangtze River Delta.

On May 31, Shanghai issued a notice to support the Shanghai housing provident fund to withdraw and repay the housing provident fund loans in different places in the Yangtze River Delta. Since June 1st, employees who have paid housing provident fund in Shanghai have used housing provident fund loans to buy houses in Jiangsu, Zhejiang or Anhui, which is in line with the prescribed purchase situation, and there is no housing provident fund loan in Shanghai, and there is no entrustment to withdraw housing provident fund to repay the housing loan. The main lender and spouse can withdraw the balance of Shanghai housing provident fund account and repay the housing provident fund loan. Eligible people can go to the business outlets of Shanghai Provident Fund Center for consultation.

The down payment ratio of house purchase decreased, and the transaction volume of new houses in some cities increased significantly.

On May 17th, the central bank adjusted the minimum down payment ratio of the first and second home loans to 15% and 25%. What is the market performance after the lowest down payment ratio policy in history has been implemented in many places? Look at the reporter’s recent visits in several cities.

In the sales office of a commercial housing project in Yuelu District, Changsha City, Hunan Province, buyers Mr. Shi and Ms. Xue subscribed for an improved housing. In 2019, the couple bought a house for the first time in Changsha, and this time they bought a house again. They felt that the down payment and interest rate had dropped a lot.

On May 17, after the central bank announced the adjustment of the down payment ratio, Changsha and Wuhan followed suit on May 21, and both cities lowered the interest rates of the first and second home loans.

The data shows that since the implementation of the new mortgage policy on May 17, the average daily transaction volume of new houses in Wuhan has increased to 242 sets, which is significantly higher than that of 165 sets in April. In addition, the number of new homes online in Changsha has also increased significantly after the new mortgage policy.

Insist on "Three Possessments": Give Full Play to the Special Functions of Newspaper Layout —— An Analysis of the Innovation of Military Newspaper Layout from the Winning and Selected Works of China N

Absrtact: Layout is the "face" of a newspaper, which plays an irreplaceable role in content dissemination. Focusing on giving full play to the special functions of military newspaper layout in the all-media era, this paper, based on the practice of news arrangement and the dissemination of selected works of China News Prize in recent years, explores the methods and paths of military newspaper layout innovation from three aspects: creating "visual storm", expanding multi-form information and highlighting media personality characteristics.

Keywords: China Prize for Journalism; News arrangement; Layout innovation; Military newspaper

The layout is the "face" of the newspaper, the visual presentation of the content, with special functions such as reading guidance, guidance, signs, etc. It is the exhibition place of newspaper ideas and plays an irreplaceable role in content dissemination. For military newspapers, it is their duty and mission to innovate the way of expression and communication based on content construction, carefully prepare the layout and hold the position of public opinion. Innovation is the first driving force to lead development, and innovation is the spiritual characteristic of the supreme leader’s cultural thought. When inspecting the People’s Liberation Army newspaper, President Xi clearly pointed out that content innovation, form innovation and means innovation are all important for news media, but content innovation is fundamental.

In the all-media era, content innovation needs the service guarantee of formal innovation. Focusing on giving full play to the special functions of military newspaper layout in the all-media era, this paper, based on the practice of news arrangement and the dissemination of selected works of China News Prize in recent years, explores the methods and paths of military newspaper layout innovation from three aspects: creating "visual storm", expanding multi-form information and highlighting media personality characteristics.

First, powerful: create a "visual storm" to attract more attention.

A good news layout is the unity of politics, news, ideology and artistry.

(A) highlight the weight, highlighting the political nature

?Turn it into a sharp ideological weapon and exert great power.

(B) outstanding attitude, reflecting the orientation

On February 2, 2016, the first edition of the People’s Liberation Army Daily won the second prize of the 27th China News Award. This edition focuses on the establishment of a war zone, an important event of national defense and military reform, and records this important historical moment with strong layout language and pictures. The layout highlights the key points, strengthens the transmission of important information and the visual impact of the layout, and highlights the style of big newspapers. Coincidentally, the August 5, 2022 edition of the People’s Liberation Army Daily, because of its clear stand, highlighted the weight and strength of the news and caused strong repercussions inside and outside the military. At that time, Pelosi, then Speaker of the United States Congress, insisted on visiting Taiwan, China despite China’s obstruction, and our army successfully held a joint combat training in the sea and airspace around Taiwan Island. The People’s Liberation Army Daily reported on the training in a run-through layout. The layout of the layout is concise, and the core facts are highlighted, which fully shows that our army is fully determined and capable of maintaining the motherland’s reunification and defending national sovereignty and territorial integrity. Practice shows that layout language is the natural expression of media’s position, viewpoint, emotion and aesthetic vision. As the mouthpiece of the Party, in the face of hot topics and sensitive issues, the mainstream media of the army should focus on making the layout an effective increment of content combat effectiveness, dare to speak out, speak out in time and be good at speaking out; It is necessary to make the news that should be done bigger and bigger, promote the supply of high-quality content, and ensure that the layout is coordinated in one go; Let the layout language have enough impact, clarify the facts and guide public opinion.

(3) Highlight emotions and increase appeal.

On July 31st, 2017, Edition A6 of Jinan Daily won the third prize of the 28th China News Award for newspaper layout. It stands out from its unique perspective in the competition of the same topic layout reflecting the 90th anniversary military parade. This page makes a fuss about the change of the detail that "the angle of military parade salute is raised from the original 15 degrees to 30 degrees", and the headline "It’s not just pride to hold your head up 30 degrees" has a strong emotional color; Carefully selected banner photos showing the heroic spirit of the two soldiers make the finishing point, which echoes and sets off the title. This layout not only brings visual shock to the audience, but also fully shows the heroic feelings of the Chinese nation standing tall among the nations of the world, which arouses empathy among the audience. It can be seen that the layout has language, attitude and emotion. Newspaper layout is a highly political business and political work. On the one hand, the mainstream media of the army should keep up with the changes of the world, the times and the history, establish a global vision, lead public opinion and guide the work; On the other hand, it is necessary to adapt to the new aesthetic changes of the audience in the all-media era, and make good use of layout language such as words, lines and colors to convey layout information and emotions more accurately and effectively, so as to enhance the reading experience of the audience.

Second, useful: multi-form information expansion, so that content presentation rushed out of the "first scene."

In the era of all-media, for newspapers, we should not only insist on the content as king, but also expand the form and service to make the layout "informative", "useful" and "powerful".

(A diagram, visual expression to achieve easy-to-read and interesting reading.

In the era of all-media, readers’ reading methods tend to be fast, fragmented and visual. Pictures and illustrations have become the most important and dynamic elements in newspaper layout because they are more intuitive and impactful than words in information transmission. In recent years, many of the winning pages of the China Prize for Journalism have enhanced their expressive power by adding data, charts and other elements. For example, the award-winning page of the 33rd China Prize for Journalism and the 5-8 edition of Jiangxi Daily on October 27th, 2022 are special commemorative pages to commemorate the 95th anniversary of the founding of Jinggangshan Revolutionary Base. With the help of the large-scale sculpture of "Jinggang Red Flag", the layout highlights the visual effect, and skillfully strings together important nodes such as "Wenjia City’s decision-making", "Sanwan adaptation" and "getting rid of poverty" in the form of a timeline, so that readers can visually feel the past struggle, current self-confidence and future expectations. Practice has proved that in the all-media era, a picture is worth a thousand words, and the mainstream media of the military should be good at using pictures to speak on the layout, so as to meet the aesthetic requirements of the audience in the era of reading pictures and make the news more readable and enjoyable; We should be good at arranging the relevant data in the news visually by means of charts, so that the boring and difficult data can be seen at a glance and arouse readers’ interest in reading; It is necessary to make it clear that the chart not only has the function of beautifying and activating the layout, but also is an independent and effective form of news reporting, strengthen the awareness of secondary processing, and help the transmission of its deep value through integrated refining and innovative presentation.

(2) Continuous version, carrying more content to create more space.

Of the six pages won in the 33rd China Prize for Journalism, five are consecutive pages. According to the data, in the past five years, 32 pages of the China Prize for Journalism have won awards, of which the single edition accounts for less than 25%. Continuous edition (all-page edition and cross-page edition) has become an important choice for newspapers to improve their communication power and influence. Take the award-winning page of the 32nd China Prize for Journalism and the 10-11 edition of the People’s Liberation Army Daily on July 1, 2021 as an example. This edition presents several classic moments of the People’s Army in the century since the founding of the Party in hand-painted form, with a clear theme and lofty ideas, which extends the sense of historical depth and makes readers feel refreshed. It can be seen that compared with ordinary single edition, continuous edition breaks the convention, makes the vision more impactful, can carry more content, and can better reflect the editing concept, thus producing a strong effect, so it has become the best choice for many newspapers. Some experts believe that this is also a useful exploration for newspapers to take the high-quality route and improve the quality and efficiency of communication in the all-media era. This enlightens us that in the all-media era, military newspapers should not only face the "fast" challenge brought by new media, but also give full play to their own strengths and work hard on the word "deep". We should focus on major themes, in-depth reports, elaborate designs around grand narratives; Change from "information paper" to "attitude paper"; Change from "design paper" to "collection paper".

(C) media integration, so that the layout "move up" and "live up"

In the all-media era, the layout language is more diverse. It is also an effective way to attract and retain the audience’s attention by making the layout "move" and "live" through the linkage of newspapers and networks. For example, in the winning pages of the 30th China Prize for Journalism and the 6-7 edition of Science and Technology Daily on October 1, 2019, when reporting the scientific and technological achievements made in the 70 years since the founding of New China, a QR code was added to the pages, and after scanning, the video of "70 years condensed into 24 hours" distributed synchronously by the newspaper can be watched. This innovation enriches the connotation of the layout and embodies the idea of media integration. For another example, the Liberation Army Daily, published on August 5, 2022, embeds the two-dimensional code of the video of the training site in the layout, which makes the news information richer and more comprehensive and meets the needs of the audience. It can be seen that in the all-media era, it is far from enough for newspapers to hold their ground in the flood of information. It is also necessary to expand information through media integration, broaden their horizons to below the appearance of news facts and outside the scene, and explore and explore more vital and inspiring three-dimensional pages.

Third, interesting: highlight the characteristics of media personality and enhance user stickiness.

Layout is an important part of the newspaper’s personality and style, which always plays the role of influencing readers and guiding public opinion.

(A) minor issues, tell a living story with details.

The second prize of the news layout of the 31st China News Award and the T7 edition of Xinhua Daily on April 14th, 2020, Thanks to You, the mountains and rivers are safe-paying tribute to the "epidemic" hero of Jiangsu’s aid to Hubei War, still seem to be a layout with special communication value. At that time, in order to welcome the triumph of the last batch of medical workers from Jiangsu who assisted Hubei, Xinhua Daily specially planned to launch a special tribute issue. As the cover of the special issue, this edition is carefully designed to outline the image of a well-armed medical worker with the names of 2,813 medical workers from Jiangsu who aid Hubei. Each name is regarded as a "point" in the picture, and they are connected in series by a "curve", and finally they converge into a meaningful "face" image. This treatment is meaningful: the success of the "epidemic" depends on specific people, and each person has a different story, thus achieving good communication results. Storytelling is the most effective communication. On the one hand, the mainstream media of the military should insist that content is king and continuously enhance their ability to provide content; On the other hand, we should pursue the harmony between content and form, strive to achieve the unity of form and spirit, and tell vivid stories with details; In particular, we should pay attention to digging points, cutting hot spots, falling points skillfully and tearing points, so that positive energy can generate large flow and good sound can become the strongest sound.

(2) Make the past serve the present, and the national wind ignites the new wind.

The prize-winning page of the 31st China Prize for Journalism and the 6-7 edition of Zhejiang Daily on November 23rd, 2020 were published at the opening of the "Light of the Internet" Expo in 2020. This edition takes the traditional "window" in China as the theme, and combines the unique "window lattice" element of Wuzhen water town with the new mission and new requirements of "important window" in Zhejiang. Through the image of "window" on the page, we can see the street view of Wuzhen and the Light Expo of the Internet, which makes the page have a sense of historical depth of blending ancient and modern, attracting people’s attention. After two years, on November 1st, 2022, the 6-7 edition of the newspaper won the 33rd China Prize for Journalism again with its strong national style and ingenious ideas. On this page, which shows the arduous course and great pioneering work of China’s space dream, the editor skillfully connects Su Shi’s words and images of "Palace Que in the Sky" with China Space Station across time and space, combining ancient and modern, and combining dreams with reality. Especially in the lower left corner of the layout, Su Shi is wearing VR glasses, looking up at the starry sky and singing "When did the bright moon ask the sky about the wine? I wonder what year it is in the palace palace tonight". The unique layout narrative method has injected poetic romance with Chinese style into serious scientific and technological topics, which is unique in many layouts with the same theme and has gained excellent communication effect. This enlightens us that in the all-media era, news content transmission is no longer the only pursuit of newspapers. It is necessary to comprehensively use richer editing methods in reporting, integrating national culture, aesthetic concepts and the value of the times, so that the audience’s reading can be changed from simple information acceptance to reading enjoyment based on understanding.

(C) associated with their own, related to the crowd.

In the all-media era, information is overloaded and attention becomes a scarce resource. Faced with a large amount of information, people will subconsciously pay attention to what is related to them, which is more familiar or interesting. Newspaper layout not only needs to carry forward the main theme and spread positive energy in a way that the audience likes and hears, but also faces the problem of connecting the content and expression form with the antenna and connecting them with the audience’s interests. The exploration of the winning pages of the 32nd China Prize for Journalism and the 2nd edition of People’s Daily on July 19th, 2021 is quite instructive. This edition focuses on the major theme of "achieving the goal of the first century-building a well-off society in an all-round way in China". In the way of presentation, it vividly shows the changes with 16 groups of data that best reflect the people’s sense of gain, happiness and security, and has both visual impact and ideological persuasion, making the boring and difficult data clear at a glance, narrowing the distance with the audience and achieving good communication effects. It can be seen that in the all-media era, the mainstream media of the military should work hard to show their own characteristics and improve the recognition and dissemination of newspaper pages. It is necessary to bring about a new release of narrative energy through the new development of layout means; It is necessary to enrich the new expressive force of two-dimensional space style and enhance the user’s stickiness; It is necessary to build news pages into witnesses of history and make newspapers readable, hidden and enjoyable.

(Author: People’s Liberation Army Newspaper)

Editor in charge: Zhang Heyun