GIB: the innovation and reform of digital financial services of banks are going on.

sixteen to eleven p.m.
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As early as 2018, a group of financial elites with keen investment vision began to build GIB Global Investment Digital Bank. In 2019, GIB Global Investment Digital Bank was formally established in Washington, USA. In the same year, GIB developed version 4.0 of digital banking, taking blockchain technology as its underlying technical architecture, making capital storage more secure.
Especially during the global epidemic prevention and control period, the digital financial services of banks are playing a greater role. More and more commercial banks are actively using financial technology to give play to the advantages of online services and meet the diversified financial needs of enterprises through non-contact services.
Since its establishment, GIB has rapidly grown into a well-known trading platform for foreign exchange and cryptocurrency by providing foreign exchange and investment services. At present, GIB has applied for relevant compliance licenses and permits from many countries, including the United States, Canada, Laos, Australia, etc., to provide users with a legal, compliant, safe and reliable investment environment.
GIB global investment digital bank COO David Edwin Evans
COO David Edwin Evans of GIB Global Investment Digital Bank introduced to Forbes China that GIB Global Investment Digital Bank is an international online bank established by AFF Technology Diversified Financial Group, which was jointly established by professionals in the financial field and experts in foreign exchange and cryptocurrency investment, providing future-leading fund management services. The following is a conversation between Forbes China and COO David Edwin Evans of GIB Global Investment Digital Bank.
Forbes China: It is understood that in the past 2020, GIB made frequent moves on blockchain. Why would you consider doing blockchain? What is the strategic position of blockchain business in GIB Group?
David:In 2020, we witnessed too much history, at the same time, we also felt too much uncertainty, and uncertainty is one of the sources of anxiety. In the contemporary financial system, banks are typical representatives of centralization. Besides managing wealth on behalf of customers, it is important for banks to spend a lot of manpower and financial resources to establish customer databases, and to maintain and update data systems frequently. The operation and maintenance costs are increasing day by day. Coupled with the impact of the epidemic, online demand has risen sharply, and the transformation and upgrading iteration of the traditional banking industry is imminent.
We should conform to the development of the times, even lead the development of the times. If we remain unchanged, we will fail and be eliminated by the times we love. From the underlying technology to the new changes in users’ consumption habits, including higher bandwidth, advanced data security and stronger privacy protection, stronger security and smarter services, this is what we have to do. Therefore, global investment in digital banking is definitely a huge opportunity, and the biggest question is, how do we seize this opportunity and how do we grasp this opportunity? So GIB Global Investment Digital Bank came into being! Then in our brand-new GIB global investment digital bank, there are mainly four interrelated and complementary elements: connectivity, automation, innovation and decision-making. Connectivity refers to how banks can develop products with high loyalty and core competitiveness through the rapid development of social networks. Automation refers to how to redesign digital processes to create a better customer experience and make more effective use of resources. Innovation refers to how banks constantly innovate themselves in the rapidly changing industry. Decision-making refers to how to use big data technology to quickly and accurately predict user decisions and bank decisions on some issues (such as risks).
Forbes China: What are the advantages of GIB Group compared with other competitors of the same type in the market?
David:“GIB Global Investment Digital Bank is an international online bank established by AFF Group, which was formally established in the United States in 2019. The bank provides future-leading fund management services, and is committed to cutting-edge technology to create a stable, safe, convenient and intelligent trading platform for users, so as to provide the most competitive trading environment in the market, bring users simpler and more convenient recharge and withdrawal services, always take customers as the center, create value for customers and promote economic and social prosperity.
Since its launch in July 2020, GIB has made numerous brilliant achievements. Among them, international giant companies such as Goldman Sachs Group and Softbank Group have reached strategic cooperation intentions with GIB Global Investment Digital Bank, and international audit institutions such as Ernst & Young have made relevant evaluations and highly affirmed GIB Global Investment Digital Bank, and the issuance innovation of digital bank cards based on blockchain technology, the head group AFF Technology Diversified Financial Group has invested heavily in gold mining on the northeast coast of Queensland, Australia, and the construction of GIB Twin Towers.
Forbes China: For a bank, especially for online banking, security is very important. How does GIB Group guarantee security from the technical aspect?
David:We are currently using automatic transaction allocation and portfolio management strategies. Investment strategy allocates risks in a package of trading options to minimize the severity of losses. Trading allocation is automatic and customizable, thus ensuring that our investors can hedge risks and market fluctuations and generate stable profits.
Forbes China: What is the acceptance of blockchain by traditional global financial giants and banks?
David:In recent years, more and more commercial banks have set up internet finance departments and digital finance departments, and introduced financial technology companies to open cooperation and build digital banks. For example, 75 of the world’s largest banks, such as JPMorgan Chase Group, ANZ Bank and Royal Bank of Canada, are training blockchain technology to speed up payment as part of the inter-bank information network. Here refers to the financial services of smart contracts. This is an automated and mandatory agreement that does not require intermediaries such as banks or lawyers, and only uses blockchain technology. Compared with others, we have also made a further update iteration on its underlying technology. Users have higher and higher requirements for security, privacy and convenience, and the decentralized and encrypted features of blockchain technology can just make it more secure, more private, and the data can not be tampered with. At the same time, it makes payment more convenient.
Based on the characteristics of blockchain, we developed version 4.0 of digital banking, taking blockchain technology as its underlying technical architecture, making the storage of GIB Global Investment Digital Banking more secure. We use the trust of mathematical model instead of legal endorsement, and the encryption algorithm will not be cracked by existing computer technology in theory, which can effectively protect the safety of user assets.
Forbes China: Do you think everything will be wound up in the future?
David:I think so, but it still depends on whether it is valuable. There are now more than thousands of chains, and it will be nice to have hundreds that can land in the next few years. In terms of macro-policy, global supervision is tightening. Although there are positive forces to promote it, it is difficult to find opportunities for barbaric growth. The policy orientation will not change until the industry cleaning is over. On the technical level, there are indeed many significant technological breakthroughs, but it is a pity that most of them are in the early stage. If you want to break out, you must get through the technological maturity cycle. When the technology is really mature, the time will come. At the market level, it is the most optimistic of the three. Although the risk of a single force manipulating the currency price still exists, all market infrastructures have been improved, which basically meets the minimum requirements of market outbreak. As a senior blockchain practitioner, you should pay more attention to long-term value. Blockchain investors should pay more attention to the "practical attributes" of blockchain.
Forbes China: At present, many enterprises have responded to the policy and explored the blockchain. Can you give them some valuable suggestions?
David:Blockchain global village automatic society needs a lot of human efforts. Now, the migration of talents to this field is surging. I think that just like programming, it seems that not everyone needs to be a programmer, but it is necessary to know some common sense. For friends who want to join this industry, they should be psychologically prepared. Blockchain involves the knowledge of multiple disciplines and is an interdisciplinary field. At the same time, the world of blockchain is very different from the traditional world, and we need to constantly revise our existing concepts. For the change of ideas, it is necessary to read kevin kelly’s trilogy of science and technology and yuval Herali’s A Brief History of Mankind. Friends who care about economic models may need to learn institutional economics, organizational theory and game theory, while friends who care about technical realization should learn cryptography, peer-to-peer networks and virtual machines.
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Creating a Better Business Environment for Foreign Investment —— Review of the 16th Meeting of the Central Leading Group for Finance and Economics (Part III)

  Xinhua News Agency, Beijing, August 6th Title: Creating a Better Foreign Business Environment — — Review on the spirit of the 16th meeting of the Central Financial and Economic Leading Group (Ⅲ)

  Xinhua News Agency reporters Liu Hongxia and Li Jinfeng

  The 16th meeting of the Central Leading Group for Finance and Economics emphasized that it is necessary to improve the investment and market environment, speed up the pace of opening to the outside world, reduce the operating cost of the market, create a stable, fair, transparent and predictable business environment, speed up the construction of a new open economic system, and promote the sustained and healthy development of China’s economy.

  China’s continuous optimization of foreign business environment not only shows the responsibility of a responsible big country to actively fulfill its commitments, but also is an inherent requirement to promote supply-side structural reform and realize a higher-level economic development.

  Optimizing the business environment keeps pace.

  "The project was finalized in March, and the land use bidding and auction procedures were completed in July. The efficiency of government approval far exceeded expectations." It was Huang Yi, the general manager of Wuhan Branch in China District of German Webasto Group who said this.

  In fact, as early as 14 years ago, Webster had "settled" in Wuhan. In March this year, the global automobile sunroof manufacturing giant joined hands with Wuhan caidian district and invested 200 million yuan to build the first phase of the production base with an annual output of 1 million sets of automobile skylights. At present, Webasto has 10 production bases in China.

  "The government’s support and work efficiency enable enterprises to start construction as planned, release new production capacity as soon as possible and eliminate worries." Huang Yi said that Webster is very optimistic about China’s market prospects and is confident in increasing investment in China.

  As an important part of realizing the rise of Central China, Wuhan has optimized the business environment of international advanced cities this year, increased foreign investment, and focused on introducing high-end manufacturing, modern logistics and high-end life service industries. In the first half of the year, Wuhan actually utilized 5.007 billion US dollars of foreign capital, up 13.1% year-on-year.

  Wuhan is just a microcosm. At the press conference on China’s foreign trade and economic cooperation in the first half of the year held by the State Council on July 31, Vice Minister of Commerce Qian Keming said that from January to June this year, the scale of China’s utilization of foreign capital was basically stable, and the industrial structure of foreign capital showed positive changes. The utilization of foreign capital in the central region got rid of the downturn in recent years and increased by 42.1%.

  Behind the steady flow of foreign capital, it reflects China’s unremitting efforts to optimize the business environment by stepping on the stone and leaving a seal:

  — — At the beginning of this year, the State Council issued the "Notice on Several Measures for Expanding Opening to the Outside World and Actively Utilizing Foreign Capital", proposing 20 high-gold measures to promote the introduction of foreign capital;

  — — In April, seven free trade pilot zones in Liaoning, Zhejiang, Henan, Hubei, Chongqing, Sichuan and Shaanxi opened for business, and a total of 11 free trade pilot zones formed an open pattern of all-round institutional innovation in East, West and China;

  — — In June, the new version of the negative list of foreign investment in the Pilot Free Trade Zone was released, reducing 27 restrictive measures compared with the previous version. In the new Catalogue for the Guidance of Foreign Investment Industries issued by the Ministry of Commerce and the National Development and Reform Commission, the restrictive measures are reduced from 93 to 30;

  — — In July, from the meeting of the Central Leading Group for Finance and Economics, to Politburo meeting of the Chinese Communist Party, and then to the the State Council executive meeting, many high-level meetings made arrangements for opening up in a short period of time, and foreign investment benefits kept emerging.

  … …

  Optimistic about China’s development prospects.

  "The people of China welcome people from all countries to take the &lsquo developed by China; Express ’ ‘ Hitchhiking ’ " "China will open wider to the outside world" and "We must adhere to the general direction of building an open world economy" … … China sincerely extended his arms, and the world warmly embraced him.

  In Wujiang, Jiangsu, a small excavator factory has sprung up. This workshop belongs to the global construction machinery giant, American Caterpillar Company.

  Earlier this year, Du Leqian, president of Caterpillar Group, told reporters in Beijing that he would invest in the expansion of the company’s small excavator factory in Wujiang. "We have always been optimistic about the business environment in China. This is true."

  Not long ago, Wal-Mart announced that it plans to build more than 40 stores and a fresh food cold chain logistics distribution center in Guangdong Province in the next five years. Scott Price, Wal-Mart’s global executive vice president and chief executive officer of the international department, told reporters that 2016 was the best year for Wal-Mart in the China market in the past five years. "We believe that increasing investment and procurement is a very correct business decision.".

  According to the report on the global business environment released by the World Bank, the convenience of doing business in China has jumped 18 places in the world in the past three years, with an average annual leap of 6 places. The 2017 World Competitiveness Report of Lausanne School of Management also shows that China scored significantly in economic performance, government efficiency and business efficiency.

  The efforts to clear the obstacles of reform are not diminished.

  To build a stable, fair, transparent and predictable business environment, the central government needs to "lead the line" and departments and localities need to "embroider flowers".

  The 16th meeting of the Central Leading Group for Finance and Economics emphasized that it is necessary to speed up the unification of domestic and foreign laws and regulations and formulate new basic laws on foreign investment. It is necessary to clean up laws, regulations, rules and policy documents involving foreign investment, and all laws, regulations or clauses that are inconsistent with the general direction and principles of the country’s opening up to the outside world should be abolished or revised within a time limit. Foreign-funded enterprises shall operate in accordance with the company law after admission, and shall be equal in law, consistent in policy and subject to national treatment.

  The meeting stressed that it is necessary to clean up and reduce all kinds of inspections and fines, establish a list system of enterprise-related charges, and strictly prohibit unauthorized charges, over-standard charges, self-designed charges, and repeated charges, so as to prevent intermediaries from using government influence to charge illegally, and industry associations may not force enterprises to join or charge illegally.

  Wang Jun, director of the Information Department of China International Economic Exchange Center, said that it should be soberly recognized that some cadres in some departments and places have not adapted to, grasped and led the current changed international and domestic trends, and "stretched their hands too long and managed too much". The reform of the business environment must be unswervingly promoted when it comes to gnawing hard bones.

  The the State Council executive meeting held on July 28th made a series of arrangements for increasing the introduction of foreign capital and creating a higher level of opening-up environment: implementing the pre-entry national treatment plus negative list management system that has been tried out in the Pilot Free Trade Zone throughout the country; If the profits distributed by foreign investors from resident enterprises in China are directly invested in encouraged investment projects, deferred tax payment will be implemented and withholding income tax will not be levied temporarily; Study and introduce measures to cancel or liberalize the restrictions on foreign investment in some areas of manufacturing and service industries; Expand the investment management authority of state-level development zones, and give priority to the protection of construction land for projects that use foreign capital in line with the plan; We will simplify the work permit for foreign talents in China by means of "notification+commitment" throughout the country … …

  China has achieved remarkable results in optimizing the business environment for foreign investors. China is determined to be unwavering, and China will not stop.

Thoroughly grasp the scientific system of Socialism with Chinese characteristics Thought of the Supreme Leader in the new era.

  The establishment of any kind of thought has its inherent theoretical logic. As the latest achievement of Marxism in China and a new action guide for the Communist Party of China (CPC) people, the Supreme Leader’s New Era Socialism with Chinese characteristics Thought is a scientific system integrating the times, originality and systematicness. Only by comprehensively and deeply grasping the scientific system of this thought can we better understand the basic outline and overall appearance of this thought, better understand the rich connotation and profound connotation of this thought, and better use this thought to guide the vivid practice of the development of the cause of the party and the state in the new era.

  Investigating the historical process of the development of Marxism and its China-ization, summarizing the characteristics and laws of the Party’s ideological and theoretical construction, combining with the core contents of the report of the 19th National Congress of the Communist Party of China, especially the "Eight Clarities" and "Fourteen Persistences", starting from the perspective of focusing on reflecting the internal ideological and theoretical logic and the strategic leadership of the macro direction, we can deeply grasp the scientific system of the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era. We think we can think from the following major logical clues.

  First, historical position and development stage — — Socialism with Chinese characteristics has entered a new era.

  Scientific theory and practical theory are the responses and answers to the problems of the times and the essence of the spirit of the times. Accurately grasping the characteristics of the times, historical orientation and development stage is the premise of the establishment and development of Marxist theory, the logical starting point of Marxism’s continuous opening up of new theoretical realm, and the basic symbol of Marxism’s continuous historical leap in China.

  The Supreme Leader’s Socialism with Chinese characteristics Thought in the new era is the product of the times, which reflects the ideological creation of the Party and the people in line with the development of the times, and makes the Communist Party of China (CPC) people stand on the commanding heights of the times thought again and achieve a historic breakthrough in showing the leading power of Marxism in the times. To thoroughly expound the scientific system of the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era, we must first grasp the historical position and development stage of this thought.

  Socialism with Chinese characteristics has entered a new era, which is a new historical orientation of China’s development, and marks that the primary stage of socialism, which has experienced 40 years of reform and opening up, has entered a "new historical stage". Socialism with Chinese characteristics’s great political judgment of entering a new era was made by our party on the basis of scientifically grasping the trend of the times and major changes in the international situation, and scientifically grasping the profound changes in the world, national conditions and party conditions, and it has sufficient time, theoretical and practical basis.

  Socialism with Chinese characteristics’s entry into a new era constitutes the logical starting point and argument basis for the supreme leader’s creation of Socialism with Chinese characteristics Thought in the new era. The change of historical position is a historical change that has a bearing on the overall situation. It endows the Party with new connotation of the times in its historical mission, theoretical follow-up, objectives and tasks, provides new coordinates and scientific basis for the Party Central Committee to govern the country, and puts forward new topics for the Party’s theoretical innovation. Since the 18th National Congress of the Communist Party of China, the CPC Central Committee with the Supreme Leader as the core has carried out arduous theoretical exploration based on the new historical position and times coordinates, closely combined with the new times conditions and practical requirements, creatively put forward a series of original new ideas, new ideas and new strategies, and created a new realm of Marxism in China. Grasping this specific era background and development stage, we can deeply understand the characteristics, historical position and theoretical value of the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era.

  Second, the theme of the times and historical mission — — Adhere to and develop Socialism with Chinese characteristics and realize the great rejuvenation of the Chinese nation.

  Thought is the voice of the times. The ideological and theoretical system of Marxist political parties is the result of responding to the challenges of the times and solving the problems of the times, and also has a theoretical theme and central clue throughout. Marxism is a scientific theory to explore the road and prospect of the liberation of the proletariat and the masses of the people under the background of the increasingly serious economic crisis of early capitalism and the increasingly acute class contradictions. As far as the sinicization of Marxism is concerned, Mao Zedong Thought is a scientific theory to explore China’s revolution and construction under the background of the imperialist war and proletarian revolution in the first half of the 20th century. Since the reform and opening-up, Deng Xiaoping Theory, Theory of Three Represents and Scientific Outlook on Development have been scientific theories to answer such important questions as what socialism is, how to build socialism, what kind of party to build, how to build the party, what kind of development to achieve and how to develop it.

  Adhering to and developing Socialism with Chinese characteristics is the theme of all the theories and practices of our Party since the reform and opening up, the "general program" of the Party Central Committee governing the country with the Supreme Leader as the core, and the "general proposition" and "general clue" that runs through the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era. Grasping this "general proposition" and "general clue" will grasp the outline of this scientific system, thus playing the role of opening up the outline.

  Socialism with Chinese characteristics has entered a new era, the situation at home and abroad has undergone major changes, and the cause of the party and the state has made historic achievements and changes, but the theme of our party’s theory and practice is still to uphold and develop Socialism with Chinese characteristics; The ideological banner held high by our party is still the great banner of Socialism with Chinese characteristics; Our party’s theoretical mission is still to continue to write a new chapter in Socialism with Chinese characteristics’s theoretical system around the theme of upholding and developing Socialism with Chinese characteristics. Based on the new era, the CPC Central Committee with the Supreme Leader as the core systematically answered the important issue of what kind of Socialism with Chinese characteristics and how to adhere to and develop Socialism with Chinese characteristics in the new era from the combination of theory and practice, deepened the understanding of communist party’s ruling law, socialist construction law and human social development law with a brand-new vision, and created the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era.

  Historical mission, closely linked with contemporary themes, is a natural extension and logical sublimation of the theme of the times. It is the inherent logic of the historical mission of the new era to closely follow the theme of Socialism with Chinese characteristics era and follow the road of Socialism with Chinese characteristics towards the great rejuvenation of the Chinese nation. Realizing the great rejuvenation of the Chinese nation is the greatest dream of the Chinese nation in modern times, the historical mission of the Communist Party of China (CPC) in the new era and the strategic goal of the Party Central Committee in governing the country. Once established, the Communist Party of China (CPC) regarded communism as the highest ideal and ultimate goal of the Party, and made it his initial intention to seek happiness for the people of China and rejuvenation for the Chinese nation. He resolutely shouldered the historical mission of realizing the great rejuvenation of the Chinese nation, United and led the people in arduous struggles, and wrote a magnificent epic that swallowed mountains and rivers.

  To accomplish the historical mission of the new era, we must carry out great struggles, build great projects and advance great undertakings closely around the realization of great dreams. The "Four Greatness" are closely linked, interconnected and interacted, and are an organic whole, which is unified in the great practice of Socialism with Chinese characteristics in the new era. The internal logic of "Four Greatness" is: great dream is the goal, great struggle is the driving force, great project is the guarantee, and great cause is the path. Among the "four greats", the new great project of party building plays a decisive role.

  The "Four Greatness" is a major theoretical innovation, which not only puts forward new requirements for the party’s historical mission, but also further clarifies the party’s general plan for governing the country in the new era, the general blueprint for leading the overall situation, and the general coordinates of planning work, reflecting the high degree of unity of struggle goals, realization paths, forward momentum, historical inheritance, realistic tasks, and future direction, and the high degree of unity of the party’s future destiny, the country’s future destiny, and the people’s future destiny. He profoundly answered the important theoretical and practical questions of what is the historical mission of the party in the new era and how to realize it, which made our party’s understanding of its historical mission reach a new height.

  Third, the most essential characteristics and political stance — — Adhere to the leadership of the Communist Party of China (CPC), adhere to the people as the center.

  The most essential features, greatest advantages and political stance are fundamental, principled and overall, which not only embodies the stipulation of Socialism with Chinese characteristics’s quality, but also determines the direction, goal and value concept of adhering to and developing Socialism with Chinese characteristics, and has a position of overall concern in the supreme leader’s Socialism with Chinese characteristics Thought in the new era. Therefore, to grasp the scientific system of the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era, we must fully understand the leading and leading role of the most essential characteristics, the greatest advantages and the political standpoint.

  The most essential feature and the greatest advantage, that is, the Communist Party of China (CPC)’s leadership is the most essential feature of Socialism with Chinese characteristics and the greatest advantage of the Socialism with Chinese characteristics system. This includes that the Party is the highest political leading force in the country, upholding the Party’s leadership over all work, resolutely safeguarding the core position of the Party Central Committee and the whole Party, perfecting the system of upholding the Party’s overall leadership, and improving the Party’s ability and determination to take the direction, seek the overall situation, formulate policies and promote reform. The thought of the most essential feature and the greatest advantage profoundly reveals the internal unity relationship between the Party’s leadership and socialism, reflects the in-depth summary of Socialism with Chinese characteristics’s laws, and has great theoretical innovation value in Socialism with Chinese characteristics Thought of the Supreme Leader in the new era, which is not only consistent with the general principles of scientific socialism, but also an innovative development of the essential connotation of socialism.

  The people’s position is the fundamental political position of Marxism, and it is a remarkable sign that Marxist political parties are different from other political parties. Taking the people as the center is the fundamental position of upholding and developing Socialism with Chinese characteristics in the new era, a red line of the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era, and an inevitable requirement and logic for communist party to lead the country and govern the country. People-centered, running through all fields and the whole process of the Party Central Committee governing the country in the new era. For example, when talking about development issues, General Secretary of the Supreme Leader emphasized adhering to the people-centered development thinking; When it comes to comprehensively deepening reforms, it emphasizes adhering to the people-centered work orientation; When it comes to propaganda and ideological work, it emphasizes the establishment of people-centered public opinion orientation; When it comes to literary and artistic creation, it emphasizes the people-centered creative orientation; When it comes to the work of philosophy and social sciences, it emphasizes adhering to the people-centered research orientation; When participating in the tree planting activities in the capital, put forward the people-centered greening idea, and so on.

  People-centered, not only points to China, but also embraces the world. The Communist Party of China (CPC) is a political party for the happiness of the people of China, the rejuvenation of the Chinese nation and the cause of human progress. The Communist Party of China (CPC) always takes people’s yearning for a better life as its goal, and always takes making new and greater contributions to mankind as its mission. Socialism with Chinese characteristics Thought of the Supreme Leader in the New Era emphasizes Do not forget your initiative mind, bearing in mind the mission, seeking happiness for the people, reviving the nation and making contributions to the world, which reflects the people’s stand, national ambition and world responsibility of contemporary the Communist Party of China (CPC) people.

  Fourth, the development concept and governance layout — — Adhere to the new development concept and thoroughly implement the two major layouts of "five in one" and "four comprehensive".

  The viewpoint of development is the fundamental viewpoint of Marxism. Planning and leading development is the primary task of the Marxist ruling party; What kind of development concept and governance layout to plan and lead development is closely related to whether the party’s historical mission can be successfully realized and the future and destiny of socialism. Since the 18th National Congress of the Communist Party of China, the CPC Central Committee with the Supreme Leader as the core has focused on realizing the historical mission of the great rejuvenation of the Chinese nation, innovating the development concept, clarifying the development layout, and leading the historical changes in China’s overall development. This has also become the basic connection point between Tao and Shu in Socialism with Chinese characteristics’s thought of the Supreme Leader in the new era.

  Idea is the forerunner of action. On the "development concept", General Secretary of the Supreme Leader emphasized that development is the basis and key to solving all problems in China, and development must be scientific, and people-centered development ideas must be adhered to, and innovative, coordinated, green, open and shared development ideas must be unswervingly implemented. As the basic strategy of adhering to and developing Socialism with Chinese characteristics in the new era, the new development concept has expanded the connotation of development in an all-round way with the characteristics of the new era, and raised the thought and theory of development to a new height. The new development concept is rich in connotation, innovation is the first driving force to lead development, coordination is the inherent requirement of sustained and healthy development, green is the necessary condition for sustainable development, openness is the only way for the country to prosper and develop, and sharing is the essential requirement of Socialism with Chinese characteristics. The development concepts of innovation, coordination, green, openness and sharing are interconnected and promote each other, and they are a collection with internal relations.

  The new development concept embodies our party’s profound insight and scientific grasp of the basic characteristics of the new development stage, which indicates that our party’s understanding of the law of economic and social development has reached a new height and is an important follow that China’s economic and social development must adhere to for a long time. The new development concept is the main content of Socialism with Chinese characteristics’s economic thought of the Supreme Leader in the new era, which has deepened and expanded our Party’s understanding of the law of economic development in Socialism with Chinese characteristics and written a new chapter in Socialism with Chinese characteristics’s political economy.

  On the "governance layout", General Secretary of the Supreme Leader focused on the Chinese dream of building a well-off society in an all-round way, realizing socialist modernization and the great rejuvenation of the Chinese nation, adhered to the methodology of overall promotion and key breakthroughs, and formulated the "five in one" overall layout and the "four comprehensive" strategic layout, which not only focused on the overall situation of work, but also highlighted strategic priorities, and answered the questions about the construction layout of the new era from a point-to-point combination. The overall layout of the "five in one" involves economic construction, political construction, cultural construction, social construction, ecological civilization construction and other aspects. It is the overall layout of the Party Central Committee in governing the country and answering the question of "governance layout" in the new era. The "four comprehensive" strategic layout involves four key tasks: building a well-off society in an all-round way, deepening reform in an all-round way, governing the country according to law in an all-round way, and strictly administering the party in an all-round way. It is "the main contradiction that must be solved in the current development of the cause of the party and the state" and the strategic focus of the Party Central Committee in governing the country. The "four comprehensive" strategic layout has both strategic objectives and strategic measures, and each "comprehensive" is of great strategic significance. It is the general strategy of our party in governing the country under the new situation and is related to the long-term development of the party and the country.

  Fifth, strategic objectives and strategic steps — — Build a prosperous, strong, democratic, civilized, harmonious and beautiful socialist modernization power in two steps.

  In terms of strategic objectives, the general task of the new era is to realize socialist modernization and the great rejuvenation of the Chinese nation. Around this strategic goal, the 19th National Congress of the Communist Party of China made a "two-step" new strategic arrangement for China’s socialist modernization in the new era, that is, on the basis of building a well-off society in an all-round way in 2020, socialist modernization will be basically realized by 2035, and a powerful, prosperous, democratic, civilized, harmonious and beautiful socialist modernization country will be built by the middle of this century. This "two-step" strategic arrangement shows that our party has deepened its understanding of the laws of socialist construction, which is of great significance.

  First, the "two-step" strategic arrangement is the deepening and refinement of the "three-step" strategic planning. At the beginning of reform and opening up, Comrade Deng Xiaoping and the CPC Central Committee put forward the development strategy of "three steps". In the middle and late 1990s, after the overall well-off society was realized, the CPC Central Committee put forward a "new three-step" development strategy. Whether it is "the third step" or "the new three steps", there is no detail about how to take the third step after 2020, because it is too early, and it is impossible and necessary to plan it too early. Since entering the new era, the situation is obviously different. The time node of 2020 is getting closer and closer, and how to take the third step after 2020 needs to be further clarified and refined. Therefore, the report of the 19th National Congress puts forward that "two steps" is a new strategic arrangement that conforms to the development trend of China.

  Second, the "two-step" strategic arrangement is an upgraded version of the "three-step" strategic objectives and tasks. According to the "three-step" strategic plan, our development goal is to basically realize modernization in the middle of this century. Now we propose to basically realize modernization in 2035 and build a socialist modernization power in an all-round way in the middle of this century. Compared with the "three-step" strategic planning, the "two-step" strategic arrangement has the following advantages: first, the goal is advanced; second, the task is aggravated. This is not only a quantitative improvement, but also a qualitative leap. In particular, the 19th National Congress of the Communist Party of China expanded its goal from "a prosperous, strong, democratic, civilized and harmonious socialist modern country" to "a prosperous, strong, democratic, civilized, harmonious and beautiful socialist modern power", which is consistent with the overall layout of the "five in one" cause of Socialism with Chinese characteristics and embodies the organic unity of great cause and great dream. The 19th National Congress of the Communist Party of China made this strategic arrangement for upgrading the objectives and tasks. First, we have made great achievements in decades of development, and we have a solid foundation and conditions for achieving the grand objectives and tasks. Second, because the long-term trend of China’s development will not change, we have the foundation, confidence and ability to take on greater pressure and upgrade the objectives and tasks.

  Third, this phased and step-by-step reform method has been consistently adhered to by our party since the reform and opening up, from the "old three steps" to the "new three steps" to the current "two steps". Staged, step by step, steady and steady, not aggressive, not impatient, can be stable and far-reaching. In particular, when the 19th National Congress of the Communist Party of China made a "two-step" strategic arrangement, it made a principled plan for development goals and did not put forward specific numerical indicators, which fully reflected our party’s profound understanding and grasp of the new characteristics of economic and social development in the new era.

  Sixth, the basic ideas and macro deployment in various fields — — In the new era, the party’s major policies and decision-making arrangements for governing the country are implemented in all aspects.

  The overall goal of comprehensively deepening reform in the new era is to improve and develop the Socialism with Chinese characteristics system and promote the modernization of the national governance system and governance capacity. The national governance system and governance capacity are the concentrated expression of a country’s system and its implementation capacity. Promoting the modernization of the national governance system and governance capacity is an inevitable requirement for perfecting and developing Socialism with Chinese characteristics’s system, and it is also the proper meaning of building a socialist modern power.

  In the economic field, it is necessary to speed up the transformation of economic development mode, build a modern economic system and achieve high-quality economic development. In particular, it is necessary to deepen the supply-side structural reform, accelerate the construction of an innovative country, implement the strategy of rural revitalization, implement the strategy of coordinated regional development, accelerate the improvement of the socialist market economic system, and promote the formation of a new pattern of all-round opening up.

  In the political field, it is necessary to improve the institutional system in which the people are the masters of the country, develop socialist democratic politics, and promote the institutionalization, standardization and proceduralization of socialist democratic politics. In particular, we should adhere to the organic unity of the Party’s leadership, the people being the masters of the country and governing the country according to law, strengthen the system guarantee of the people being the masters of the country, give full play to the important role of socialist deliberative democracy, comprehensively promote the rule of law, accelerate the construction of the rule of law system in Socialism with Chinese characteristics, deepen the reform of institutions and administrative systems, and consolidate and develop the patriotic United front.

  In the field of culture, we should strengthen cultural self-confidence and promote the great development and prosperity of socialist culture. In particular, we should firmly grasp the leadership of ideological work, pay attention to cohesion with socialist core values, strengthen ideological and moral construction, prosper and develop socialist literature and art, promote the development of cultural undertakings and cultural industries, accelerate the construction of philosophy and social sciences with China characteristics, and strive to improve the right to speak internationally.

  In the social field, it is necessary to improve the level of safeguarding and improving people’s livelihood, and strengthen and innovate social governance. In particular, we should give priority to the development of education, improve the quality of employment and people’s income level, strengthen the construction of social security system, resolutely win the battle against poverty, implement the strategy of healthy China, and create a social governance pattern of co-construction, co-governance and sharing.

  In the ecological field, we should speed up the reform of the ecological civilization system and build a beautiful China. In particular, it is necessary to promote green development, focus on solving outstanding environmental problems, increase the protection of ecosystems, and reform the ecological environment supervision system.

  In the field of reunification of the motherland, we must adhere to "one country, two systems" and promote the complete reunification of the motherland. It is necessary to promote the successful practice of "one country, two systems" in Hong Kong and Macao. Realizing the complete reunification of the motherland is the fundamental interest of the Chinese nation and the inevitable requirement for realizing the great rejuvenation of the Chinese nation. We must resolutely safeguard national sovereignty and territorial integrity and will never tolerate the recurrence of the historical tragedy of national division.

  Seventh, strategic guarantee and external conditions — — Adhere to the overall national security concept, adhere to the road of strengthening the army with China characteristics, and adhere to the road of peaceful development.

  In terms of security, we should adhere to the overall national security concept, improve the national security system, strengthen national security capacity building, and resolutely safeguard national sovereignty, security and development interests. The overall concept of national security scientifically answers a series of basic questions about how China, a big developing socialist country, maintains and shapes national security, which indicates that our party’s understanding of the basic laws of national security has reached a new height. Comprehensively implementing the overall national security concept and safeguarding national security in key areas are the main positions and battlefields. We should take ensuring political security as the primary task and safeguard homeland security, economic security, social security, network security and external security.

  In terms of military security, we should build a people’s army that listens to the party’s command, can win battles and has a good style of work, and build the people’s army into a world-class army, providing strategic support for realizing the goal of "two hundred years" and realizing the Chinese dream of great rejuvenation of the Chinese nation. We must fully implement the supreme leader’s thought of strengthening the army, implement the military strategic policy under the new situation, build a powerful modern army, navy, air force, rocket army and strategic support force, build a strong and efficient theater joint operational command organization, build a modern operational system with China characteristics, and take on the mission and task entrusted by the party and the people in the new era.

  In the international environment, we should develop China’s diplomacy as a big country, promote the construction of new international relations, promote the building of a community of human destiny, provide China’s plan for solving the development deficit, governance deficit, peace deficit and civilization deficit faced by mankind, and contribute China’s wisdom. Adhere to the path of peaceful development, unswervingly develop friendly cooperation with other countries on the basis of the Five Principles of Peaceful Coexistence, and unswervingly advocate the concept of win-win cooperation; Committed to building a world of lasting peace, universal security, common prosperity, openness, tolerance, cleanliness and beauty; Actively develop global partnership and expand the intersection of interests with other countries; Adhere to the basic national policy of opening to the outside world, persist in opening the country to construction, and actively promote the "Belt and Road" international cooperation; Adhering to the concept of global governance, we advocate the democratization of international relations and actively participate in the reform and construction of the global governance system.

  Eighth, the key and decisive force — — Adhere to the requirements of strictly administering the party in an all-round way and build the party stronger.

  The key to China’s success lies in the Party. To realize the Chinese dream of the great rejuvenation of the Chinese nation, the new great project of party building plays a decisive role. Strike while the iron is hot. We must persist in closely integrating the party’s overall leadership with the strict administration of the party in an all-round way, build the party stronger and ensure that the party always becomes the core of strong leadership.

  Being brave in self-revolution is the most distinctive character of our party and the greatest advantage of our party. If the Party wants to unite and lead the people in the great struggle, advance the great cause and realize the great dream, it must carry forward the spirit of self-revolution, dare to face up to problems, dare to cut the bones and heal the wounds, dare to break the wrists of strong men, eliminate all factors that damage the Party’s advanced nature and purity, eliminate all viruses that erode the Party’s healthy body, and constantly enhance its ability of self-purification, self-improvement, self-innovation and self-improvement.

  Implement the general requirements of party building in the new era, uphold and strengthen the overall leadership of the party, adhere to the party’s management of the party, strictly manage the party in an all-round way, take the building of the party’s long-term ruling ability, advanced nature and purity as the main line, take the party’s political construction as the guide, take the firm ideals and beliefs as the foundation, focus on mobilizing the enthusiasm, initiative and creativity of the whole party, and comprehensively promote the party’s political construction, ideological construction, organizational construction, work style construction and discipline construction. We should run the system construction through it, deepen the anti-corruption struggle, continuously improve the quality of Party building, and build the Party into a Marxist ruling party that is always in the forefront of the times, wholeheartedly supported by the people, brave in self-revolution, able to withstand all kinds of storms and tests, and full of vitality. The general requirements of party building in the new era have made top-level design and strategic deployment for promoting the new great project of party building, which indicates that our party’s understanding of the law of party building has reached a new height.

  Party building in the new era always requires highlighting the leading position of political construction in party building. It is the fundamental requirement of our party as a Marxist political party to speak politics clearly. The political construction of the party is the fundamental construction of the party and determines the direction and effect of the party’s construction. We must firmly implement the party’s political line, strictly abide by political discipline and rules, and maintain a high degree of consistency with the CPC Central Committee in political stance, direction, principles and road.

  The style of work is related to the life and death of the party. It is necessary to completely purify the political ecology within the Party, resolutely correct all kinds of unhealthy tendencies, punish corruption with a zero-tolerance attitude, maintain a high-pressure situation, deepen the treatment of both the symptoms and the root causes, promote the overwhelming situation of the anti-corruption struggle to be transformed into an overwhelming victory, form an institutional mechanism that does not dare to rot, cannot rot and does not want to rot, ensure the integrity of cadres, clean government and clear politics, and always maintain the flesh-and-blood ties between the Party and the people.

  (Author: New Era Socialism with Chinese characteristics Thought Research Center, the supreme leader of the Central Party School: Zhen Zhanmin, Niu Pioneer, Chen Shuguang, Li Haiqing)

The second generation credit information system of the central bank was officially launched.

  The loan information in the table in the picture is added with the "common loan sign" Photo/reporter Yang Xiaojia

  On January 17th, the central bank’s credit information center started the work of switching the second-generation credit information system online. Since yesterday, the Credit Information Center has provided the second-generation format credit report inquiry service for the public and financial institutions.

  On the same day, many citizens got their first second-generation credit report through the personal credit report self-service inquiry machine. Beijing Youth Daily reporter saw that compared with the first-generation format, the display layout of the second-generation format credit report is more clear and clear, and the amount of information displayed is obviously increased, and the length of the report is also much longer.

  The report changed from 10 pages to 17 pages.

  The first-generation credit information system of the People’s Bank of China was officially put into operation in 2006, which played an important role in promoting financial transactions, reducing financial risks and enhancing social credit awareness.

  In order to better meet the demand for credit information and adapt to the development trend of financial technology, the credit information center of the central bank started the construction of the second-generation credit information system in due course, and optimized and upgraded the credit information system. Compared with the first generation, the credit report provided by the second generation credit information system enriches the basic information and credit information content, improves the information display form and improves the information updating efficiency.

  Yesterday, at an ICBC outlet in Dongcheng District, Ms. Wang successfully typed a credit report on the personal credit report self-service inquiry machine with her ID card through face recognition. Like the one on December 31st last year, she chose the "detailed version" instead of the "short version". When she saw that five sheets of paper were printed on the screen, Ms. Wang said, "The last report used four sheets of A4 paper. It seems that the new report has a lot more content."

  The Beijing Youth Daily reporter saw that the self-service inquiry machine for personal credit reports is printed on both sides of A4 paper, and each side displays two pages of contents. One A4 paper can display four pages of reports. The new version of the report printed by Ms. Wang yesterday was 17 pages in total, so five A4 sheets were used. She also showed the reporter of Beiqing Daily the old report printed at the end of last year, with a total of 10 pages and only 3 pages.

  There is an "objection message prompt" on the home page.

  At the top of the first pages of the old and new reports, there is a description of the inquiry, which shows the name of the inquired person, the certificate information of the inquired person and so on. However, there is an "objection message prompt" at the bottom of the new version of the report. The text reads: the information subject has raised 0 objections to the contents of the credit report and is being processed. Please pay attention to reading the relevant contents when browsing. If citizens have raised objections to the credit reporting department before, the number should be displayed here. Credit institutions such as banks will also be "aware" when they see this.

  The first part of the new and old reports is "personal basic information", which is divided into four items: identity information, spouse information, residence information and occupation information. The old version of identity information includes 10 items: gender, date of birth, marital status, mobile phone number, company phone number, home phone number, education background, degree, mailing address and household registration address; The new report adds "employment status" and "nationality", and deletes "home phone number" and "work phone number". At the same time, the mobile phone number is listed as a separate column, and the information update date is marked. Like the old report, every data in the new report is marked with the name of the data generating organization, so you can know which bank submitted every piece of information.

  The second part of the new and old versions of the report is a summary of information, and the first item is also a summary of the personal loan and credit card information of the inquired person, including the number of personal mortgage loans, the number of personal commercial housing loans (including commercial and residential dual-use housing), the number of other loans, the number of credit card accounts, the month of issuing the first loan, the month of issuing the first credit card and other information. The old version of the report shows these data horizontally, while the new version is made into a table, which is more clear and easy to read.

  In addition, there are two data in the old version of the report: "the number of my statements" and "the mark of objection". Because the new version of the report has already shown "the prompt of objection information" at the beginning, these two data are not available in this part.

  Add "common loan sign"

  The third part of the new and old reports is the details of credit transaction information. Because Ms. Wang’s mortgage has been settled, the old report only describes her past loans in words, including time, bank name, loan amount, guarantee method, number of installments, account status and other information.

  The new version of the report makes this information into a table, which is clear at a glance, and there is indeed a data that is a "common loan sign". This item of Ms. Wang shows "none".

  The relevant person in charge of the central bank’s credit information center recently told the media that financial institutions will fully consider the joint loan information when evaluating the credit risk of borrowers. However, the personal "joint borrowing" information has not been displayed in the second-generation format credit report launched on January 19. After the financial institutions start to submit data in the second-generation format, the credit information center will simultaneously display the borrowing information in each borrower’s credit report. If the subsequent borrower changes, the credit information system will update the information in time and objectively record the actual situation according to the information submitted by financial institutions. For example, if the subsequent joint loan agreement is dissolved, the data submission mechanism of the second-generation credit information system supports financial institutions to submit information on the dissolution of the joint loan relationship; After the financial institution submits the updated information to the credit information system, the loan information will no longer be displayed in the credit report of the borrower who no longer assumes the repayment responsibility.

  Displays the repayment records of the last 60 months.

  The reason why the new version of the report is so much longer than the old version is mainly because the information in the credit card account has increased significantly. The new and old account reports show the transaction information of each credit card account in detail. If a multi-currency credit card has 10 foreign currency accounts besides RMB accounts, the credit report will show all the information of these 11 accounts, but the data shown in the old and new reports are different. The new version of the report adds "the large special installment balance that has not been issued" and "the number of remaining installments".

  The old report only shows the repayment records of the last two years, that is, the last 24 months, and also only shows whether there is overdue and overdue time, and there is no overdue amount. The new report shows the repayment history information of the last five years, that is, the last 60 months, including not only the overdue status but also the current overdue total. From the typesetting point of view, the repayment record of the old report has only one line, which is divided into 24 cells, one cell per month. The new version of the report is a 12×10 table with 120 cells, corresponding to two cells every month. The upper cell is overdue and the lower cell is overdue amount.

  Ms. Wang has a bank’s RMB single-currency credit card, and the display space of this account in the old report is less than half of that in the new report.

  The numeric code represents the number of days overdue.

  It should be noted that the code definitions of the repayment status of credit cards in the new and old credit reports are not exactly the same. Among them, * indicates that there is no repayment history this month; N means normal; G represents the termination account except settlement; C stands for closed account cancellation; # indicates that the account has been opened, but the status of the current month is unknown. However, the meaning of Arabic numerals is different. In the old version of the report, 1 means that the minimum repayment amount has not been paid once; 2 means that the minimum repayment amount has not been paid twice in a row; By analogy, the maximum is 7, which means that the minimum repayment amount has not been paid for 7 consecutive times or more; In the new report, 1 means 1-30 days overdue; 2 means 31-60 days overdue; 3 means 61-90 days overdue … … 7 means more than 180 days overdue.

  Did not collect public information such as water and electricity charges.

  Whether the second-generation credit information collects payment information such as water and electricity has always attracted much attention. The new and old versions of the report presented by Ms. Wang did not show the relevant payment information.

  It is understood that at present, the second-generation credit information system has not collected personal water and electricity payment information, and only the display format is reserved in the second-generation format credit report. The relevant person in charge of the Credit Information Center of the People’s Bank of China said that in the future, when collecting the payment information of public utilities such as personal water and electricity charges, the Credit Information Center and relevant data source units will only collect and display it on the premise of obtaining the authorization and consent of the information subject and ensuring the quality and safety of the data.

  However, the second-generation credit information system will inherit and display the normal payment and arrears information of personal telecommunications collected in the first-generation credit information system. The central bank’s credit information center said that under the premise of strict data quality control, personal telecommunications information will be collected safely and cautiously.

  Text/Beijing Youth Daily reporter Cheng Wei

The second "interest rate cut" during the year released a positive policy signal.

  On August 21st, the quoted interest rate (LPR) of the loan market ushered in the second decline in the year, and the one-year LPR decreased by 10 basis points compared with the previous period. Experts believe that LPR has declined twice in the past three months, and the countercyclical adjustment has been significantly strengthened, releasing positive policy signals, which will help promote the sustained economic recovery.

  The decline of policy interest rate drives LPR down.

  On the same day, the People’s Bank of China authorized the National Interbank Funding Center to announce that the one-year LPR was 3.45% and the one-year LPR was 4.2%. The 1-year LPR decreased by 10 basis points compared with the previous period, and the LPR over 5 years remained unchanged.

  The market has expected this LPR decline. As an important reference for LPR quotation, the winning bid rate of MLF this month dropped by 15 basis points to 2.50%. In addition, on August 15th, the bid-winning interest rate in reverse repurchase operation, as well as the overnight, 7-day and 1-month standing lending convenience rates, all dropped by 10 basis points.

  "Changes in the central bank’s policy interest rate will have a relatively direct impact on changes in LPR." Wen Bin, chief economist of China Minsheng Bank, believes that to expand consumption and investment demand, the loan interest rate still needs to be kept at a low level, and the decline of LPR will be transmitted to the actual loan interest rate of enterprises, which will help reduce the cost of credit financing.

  Since the beginning of this year, the one-year LPR has dropped by 20 basis points. On June 20th, the LPR decreased for the first time this year, and the LPR for one year and over five years both decreased by 10 basis points.

  In addition, since the beginning of this year, some banks have actively lowered the listing interest rate of some term deposits and simultaneously lowered the authorized upper limit of internal interest rates, and the cost of bank liabilities has continued to improve, which has also created room for the decline of LPR.

  The relevant person in charge of the People’s Bank of China said earlier that while giving full play to the effectiveness of LPR reform, it is necessary to continue to play an important role in the market-oriented adjustment mechanism of deposit interest rates, support banks to reasonably control the cost of liabilities, and enhance the ability of finance to continuously support the real economy.

  Interest rate is an important macroeconomic variable. Experts believe that cutting interest rates twice within three months has released a policy signal to increase counter-cyclical adjustment and stabilize market expectations. Wang Qing, chief macro analyst of Oriental Jincheng, believes that the one-year LPR decline will guide the financing costs of enterprises and residents to continue to decline, thus boosting the kinetic energy of consumption and investment and accumulating strength for the sustained economic recovery.

  Reducing financing cost and stimulating enterprise kinetic energy

  Yan Xudong, general manager of Fujian Dehua Yousheng Ceramics Co., was very happy when he heard the good news that LPR dropped again: "We just received a batch of new orders for daily-use ceramics from Japan. If we can get lower-cost funds, it will help us further reduce financial costs and purchase raw materials in time for production."

  Yan Xudong told reporters that at the end of July, the company obtained a loan of 10 million yuan from CCB and enjoyed the benefits brought by the decline of LPR in June. The loan interest rate was reduced from 3.8% to 3.4%, saving financial costs of over 40,000 yuan.

  Qiu Shibin, head of inclusive finance Business Department of Fujian Branch of China Construction Bank, said that after each LPR adjustment, the bank will actively meet the financing needs of enterprises and adjust the financing plan according to the latest market conditions. In July, Fujian Branch of China Construction Bank issued 13.7 billion yuan of new corporate loans, with a weighted average interest rate of 3.31%, down 0.26 percentage points year-on-year, which was at the bank’s historical low.

  The downward trend of LPR has obvious influence on the interest rate of new loans. The weighted average interest rate of new loans in June was 4.19%, down 0.22 percentage points year-on-year. Recently, the second quarter monetary policy implementation report of China released by the People’s Bank of China showed that the weighted average interest rate of loans remained at a historically low level. In June, loans with interest rates lower than LPR accounted for 37.74% of the general loans.

  At present, the endogenous power of the economy needs to be strengthened, and the recovery of credit demand needs urgent support. Data show that RMB loans in China increased by 345.9 billion yuan in July, a year-on-year decrease of 349.8 billion yuan.

  Dong Ximiao, chief researcher of Zhaolian, believes that the credit fluctuated obviously in July, reflecting that the foundation of economic recovery is still unstable and the financing demand of the real economy needs to be boosted. In this case, it is necessary and urgent to moderately reduce the interest rates of various policy instruments and guide the LPR to continue to decline. With the continuous decline of credit interest rates of enterprises and residents, the financing demand of the real economy may rise, and the pace of bank credit supply will also accelerate.

  Enhance the sustainability of supporting the real economy.

  This time, the LPR has undergone asymmetric adjustment, which is different from the decline of the one-year LPR. The LPR over five years is "not moving".

  Dong Ximiao believes that keeping the LPR unchanged for more than five years will help commercial banks stabilize the interest margin level and enhance the stability of supporting the sustainability of the real economy and the high-quality development of services. At the same time, commercial banks should face up to the problem of excessive spread between existing mortgage and new mortgage, and accelerate the introduction of interest rate adjustment plan for existing mortgage.

  The financial management department jointly held a video conference on the 18th of this month, pointing out that the financial support for the real economy should be strong enough, the pace should be stable, the structure should be excellent and the price should be sustainable. It is necessary to continue to promote the steady decline of financing costs in the real economy, standardize the pricing order of loan interest rates, and make overall consideration of the relationship between increment, stock and other financial product prices.

  Since the beginning of this year, the People’s Bank of China has continuously optimized and adjusted its real estate financial policies to support the rigid and improved demand for house purchase. In particular, the dynamic adjustment mechanism of the first set of housing loan interest rate policy accelerated, which led to the reduction of mortgage interest rates in many places.

  The report on the implementation of China’s monetary policy in the second quarter shows that at the end of June, 87 cities have lowered the lower limit of the first home loan interest rate, which is 10 to 40 basis points lower than the national lower limit, and 13 cities have cancelled the lower limit of the first home loan interest rate. In June, the new personal mortgage interest rate was 4.11%, down 0.51 percentage points year-on-year.

  Wen Bin believes that the interest rate of newly issued housing loans has fallen sharply, and residents’ investment and asset allocation have also changed. Lowering the interest rate of existing mortgage loans will help reduce residents’ early repayment and illegal "lending" behavior and standardize market order.

  The relevant person in charge of the People’s Bank of China said that it is necessary to grasp the interest rate level scientifically and reasonably. According to the economic and financial situation and the needs of macro-control, counter-cyclical adjustment should be done in a timely and appropriate manner, and the balance between growth and risk, internal and external should be grasped, so as to prevent arbitrage and idling of funds, improve the efficiency of policy transmission and enhance the stability of bank operations.

 

  Reporter Wu Yu, Liu Yujia

China is on the road for half a week in Golden Week. Media: There are too few holidays.

  Reference News Network reported on October 8 that overseas media said that during the Eleventh Golden Week in China, half of China was on the road.

  According to a report by Taiwan Province’s "Central News Agency" on October 6th, the mainland’s 11th National Holiday has entered the 6th day. According to the latest comprehensive calculation by the data center of the National Tourism Administration, from the 1st to the 6th, the tourism consumption of the Golden Week in the mainland has reached 453.75 billion yuan, and the number of tourists received is close to 558 million.

  As the long holiday comes to an end, long-distance tourists return one after another, and mainland civil aviation, railways and highways have entered the peak of return.

  On the road side, from the afternoon of the 6th, congestion appeared one after another in the direction of major cities entering the city, and the congestion of transportation hubs such as airports, railway stations and long-distance passenger stations intensified. In civil aviation, air ticket prices continued to rise, and the discount rate was significantly reduced.

  According to a German TV website reported on October 6th, we can see from the TV screen of China CCTV that the famous scenic spots in China are occupied by crowds. Tourists crowded on the Great Wall or the Forbidden City one by one.

  Airports and railway stations are also crowded with people. During the Eleventh Golden Week in China, half of China was on the road. Wu Li, 25, is the same. She said, "I’m going to Hangzhou. I don’t have so many holidays, and I have used them for several days. So I can only travel during the Golden Week. "

  This is a fundamental problem: most Chinese have few holidays. Therefore, the national holiday time is concentrated in two weeks every year: the Spring Festival at the beginning of the year and the National Day on the 11th.

  Nowadays, it is no longer just popular to visit relatives in one’s hometown. Due to the economic development, countless Chinese can afford the cost of holiday travel. Dai Bin, president of china tourism academy, said: "In China, traveling has become a choice for many people. For the middle class, it’s like eating and drinking or going out in the sun. It has become a daily activity. "

  Although China’s economy is facing problems, the situation of tourism is very good. "Even if the economic growth slows down and the RMB depreciates, China’s tourism is still the fastest growing economic sector," Dai Bin said. "Investment in tourism has increased. We believe that tourism will become the leader of China’s economy. "

  Nevertheless, the voice of criticism has also increased. A China man said, "Where am I going? Not going anywhere. There are people everywhere, and I can’t stand it. " A lady said, "I used to travel during the Golden Week. But I won’t do it this year. There are too many people, and people are crowded everywhere. "

  There have been requests on the Internet to adjust the holidays in Chinese. But as long as the tourist craze of Golden Week continues, there will be new stories reported in the media every day.

  Taiwan Province’s United News Network reported on October 6 that during the 11-day holiday, the "Five-hundred-meter Aperture Spherical Radio Telescope (FAST)" just launched at the end of September — — The world’s largest single-aperture radio telescope scenic spot in Guizhou Province has become a new favorite of tourists, with about 10,000 visitors entering the scenic spot every day during the Golden Week.

  According to mainland media reports, in the early morning of the 4th, there was a sea of people in the scenic spot. Some tourists even waited here at 7: 00 in the morning. Until 4: 30 in the afternoon, the tourist craze has not dispersed. Although it is uncertain whether they can enter the observation deck on the same day, the tourists still insist on waiting.

  These days, the number of tourists in the scenic spot has greatly exceeded the limit, and the scenic spot has already been overloaded.

  According to Taiwan Province’s "Central News Agency" reported on October 6, the international food guide — — The "Michelin Guide" officially entered the mainland, and the "Michelin Guide for Shanghai in 2017" was released in late September. During the 11-day holiday in mainland China, a "rice tasting tide" rose in Shanghai, and all the restaurants listed as stars were full.

  During the Golden Week, the "Michelin Three-Star" shanghai new world Langham Hotel Tangge Restaurant, the seats and private rooms for lunch and dinner have been fully booked in advance. As of the 5th, the dinner attendance rate reached 100%. The reservation phone is busy for a long time.

  "Taste Michelin" has become one of the great events in Shanghai during the Eleventh Golden Week.

[CCTV Quick Review] The "Double Olympic City" has carved a historic glory for the Olympic Movement-written at the closing of the Beijing Winter Olympics

At the closing of the Beijing Winter Olympics, IOC President Bach presented the Olympic trophy to the people of China on behalf of the IOC, thanking the people of China for their support for the Beijing 2022 Winter Olympics. As the world’s first "Double Olympic City" that has hosted both the Summer Olympics and the Winter Olympics, China has perfectly fulfilled its commitment to the Winter Olympics, and Beijing is destined to carve a historic glory for the Olympic Movement.

Faced with the grim situation of the rapid spread of Omicron mutant, the Beijing Winter Olympics adheres to people-oriented and life-oriented, with high-standard epidemic prevention measures, scientific closed-loop management and meticulous service, which effectively guarantees the health of personnel and the efficient operation of the event. The opening ceremony of "Chinese Romance" attracted worldwide acclaim, many Olympic and world records were broken, the audience rating of the event reached a record high, and the attention of social media far exceeded that of previous Winter Olympics. In the new era, China fulfilled its solemn promise of hosting a "simple, safe and wonderful" Olympic Games and handed over a unique winter Olympics answer sheet to the world.

"The achievement lies not only in whether you can get or how many medals you can get, but also in embodying the Olympic spirit, striving for self-improvement, overcoming yourself and surpassing yourself." Chairman Supreme Leader’s profound exposition on the Olympic spirit has aroused widespread resonance. Looking back at the Beijing Winter Olympics, athletes from all over the world helped each other in the hard work and competition, and set new ice and snow records again and again in the common challenge limit, vividly interpreting "Faster, Higher and Stronger — — More United "Olympic motto. China ice and snow athletes dare to pursue their dreams and struggle bravely, and have achieved the best results in the history of Winter Olympics with 9 gold medals, 4 silver medals and 2 bronze medals.

Civilization is colorful because of communication, and civilization is enriched because of mutual learning. Coubertin, the father of modern Olympics, said: "The Olympics is not a competition, but a cultural exchange and integration from the heart." 

We can see that the ice pier designed by "Chinese style" has become the "top flow" of the Beijing Winter Olympics, and "one pier is hard to find"; We can see that Russian groups Beuckova and kozlowski always greet the audience with a boxing ceremony after their performances. We also see that Summer Breecher, an American bobsleigh athlete, is interested in learning Tai Chi with artificial intelligence, and Chinese food is sought after by athletes from all over the world. The Beijing Winter Olympics not only built a top stage for the competition of ice heroes, but also set up a special bridge for exchanges and mutual learning between Chinese civilization and civilizations of other countries in the world, showing scenes of modern civilization integration with beautiful beauty and harmony.

At this time of China, the earth is warming up and the spring breeze is mighty. "Together to the future!" It is not only the theme slogan of Beijing 2022 Winter Olympics and Paralympic Winter Games, but also the strong voice of the times that the whole world will join hands to create a better future. As the Chairman of the Supreme Leader vividly explained: "All countries in the world have a better future together with more than 190 small boats, not like being on a big ship." Facing the urgent global challenges and conflicts, the Beijing Winter Olympics unites people from all over the world under the five-ring flag with the power of sports, and sends an eager call to the world to share destiny and work together, which fully demonstrates the responsibility of a responsible big country to promote the building of a community of human destiny, and also injects new confidence and strength into people of all countries to overcome difficulties and realize their dreams. Let’s continue to carry forward the Olympic spirit, raise the banner of struggle, gather the fire of unity and light the lamp of the future, and jointly create a better tomorrow for mankind!

The woman claimed to know the director, 260,000 yuan, and entered the key primary school police: a random admission notice.

CCTV News:Not long ago, the police in Nanjing, Jiangsu Province cracked a fraud case in the name of handling students’ enrollment. The criminal suspects’ fraud methods are not clever, and they all use the old methods of this kind of fraud. But what is unexpected is that the suspect will be divided with the people behind him after the fraud is successful. Who is this person?

Although it’s been several months, Zhao Nvshi still can’t keep calm when she recalls the fact that her children were refused admission to school. In September 2019, when she took her children to school with joy, she was rejected by the school.

Victim Zhao Nvshi:There was no reply. (Teacher) It couldn’t explain this clearly. To tell the truth, I was shaking when I walked.

The school said that because Ms. Zhao’s admission notice was not issued by the school, she could not accept her daughter’s admission, which made Zhao Nvshi feel very surprised. The notice was clearly stamped with the seal of the school and clearly stated the name of the school.

Zhao Nvshi made repeated requests, but the school finally refused to accept the admission notice on the grounds that it was invalid. So how did this admission notice come from? This has to start from April this year. In order to get their school-age daughter into a better school, the Zhao Nvshi family started planning for their children early, but seeing that other children have made a start, their daughter has been unable to find a suitable school, which makes the Zhao Nvshi family very anxious.

Victim Zhao Nvshi:When you are in a large class in kindergarten, if you want to choose a school and choose a good school in March and April, you have to take the exam. Just want to give children a good school.

Just as the whole family was rushing about for their children’s enrollment, a friend told her that there was an education bureau cadre named Tu who could help the children solve the problem of "young to young".

Although a friend said that she didn’t know this Tu Mou either, Ms. Zhao heard that Tu Mou was very capable, not only knowing the principals of many schools and the leaders of the education department, but also being familiar with it, so she asked her friend for Tu Mou’s contact information and got through the phone.

"Great Talent" asked for 260,000 yuan, claiming that it could not be refunded.

Tu was very enthusiastic on the phone. He said that many parents of school-age children ask him for help every year, and with his help, these children have successfully entered school. Tu also said on the phone that he was absolutely at ease when looking for him to do things, and the money would be returned if it was not done.

At first, Zhao Nvshi didn’t intend to ask Tu for help, but ten days passed in an instant, seeing that almost all the children’s schools around her had been settled, but her children were still not settled. If she didn’t make a decision and missed the enrollment time, the children would lose the opportunity to enter a good school. So with the idea of giving it a try, Ms. Zhao dialed Tu’s phone again and asked Tu for help.

Dress up as if the leader took the initiative to pay for the documents when he met.

Ms. Zhao recalled that when we met for the first time, Tu’s dress was very similar to that of the cadres in the impression, and he felt like a leader. And when I met Tu, I showed her my ID card and showed her a lot of information screenshots.

Victim Zhao Nvshi:To tell the truth, at our age, it doesn’t mean that you are what you say. I’m sure I have my own ideas. Later, when I questioned him, he showed me the screenshot and who had done it. Then the admission notice, I took photos of everything and showed them to me, all with the red seal of the school.

In order to reassure Zhao Nvshi, Tu Mou took out a pre-printed agreement, and the two agreed that Tu Mou would help Ms. Zhao’s children to apply for admission to a key primary school in Nanjing, so as to ensure the children’s smooth admission in September this year, and if they failed to do so, they would get a refund.

Just once, I transferred it to the other party for 260,000 yuan on the same day.

Although only once, Zhao Nvshi was eager to win a chance for her children to enter a good school, so she gave Tu a benefit fee of 260,000 yuan that day, and Tu also promised to do it well. In this way, with the dream that children can enter key schools, Zhao Nvshi experienced a long wait from April to September.

Victim Zhao Nvshi:I took the children out to play. After returning from a trip, it was near the end of July, because other children were signing up at school one after another, and our child was still at home, so we began to contact him. He is still comforting us, saying that this is an internal trick, and he will definitely not sign up with them. Wait a while and rest assured. It must be a success.

Not long after, Ms. Zhao received the school’s admission notice and report card. Looking at the admission notice, Zhao Nvshi was overjoyed and felt that the money had not been wasted.

Victim Zhao Nvshi:Sent an admission notice. Then our child’s name is on it, and then an official seal is stamped. This is an internal admission notice of the school and must not be leaked.

What she never expected, however, was that when she took her children to register, there was an accident. The school refused to admit that the admission notice was issued by the school and refused to accept the children. This result was unacceptable to her anyway.

Victim Zhao Nvshi:I was already very suspicious at that time, so I asked him to say that no matter whether you can do it or not, you can refund my money and we won’t do it with you.

At this time, Tu still told her to wait patiently, and things will definitely turn around.

Victim Zhao Nvshi:He is still comforting us, saying that we can rest assured that things will definitely work out at that time.

Admission is rejected, and the other party shirks the refund for various reasons.

When Ms. Zhao contacted Tu for a refund, Tu always shirked it for various reasons. So in September 2019, Zhao Nvshi reported the case to the public security organ. So who is this Tu Mou, and did he go through the admission formalities for the children in Zhao Nvshi? With the admission notice and report card provided by Zhao Nvshi when reporting the case, the police handling the case immediately contacted the school on the admission notice.

Police of Tiexinqiao Police Station of Yuhuatai Branch of Nanjing Public Security Bureau Hongda:The answer given by the school is that these admission confirmation letters are all forged. First of all, its official seal is different from the official seal of the school.

The police decided that in order to illegally possess Ms. Zhao’s money, Tu Mou defrauded Zhao Nvshi’s trust with forged admission notice and report card, which constituted the elements of fraud, so he immediately arrested Tu Mou. During the interrogation, Tu confessed the fact and process of defrauding Zhao Nvshi’s money. The police found that Tu did not intend to enroll Zhao Nvshi’s children from the beginning.

Xu Chun, police officer of Tiexinqiao Police Station of Yuhuatai Branch of Nanjing Public Security Bureau:At the beginning, he said that knowing some people who can do these things can help you do these things.

After the parents listened to the lie and took the bait, Tu Mou pretended to be an office worker and met the victim. First, he showed the victim his ID card to create an honest and credible first impression, and then further convinced the victim that he really had the ability to get things done through WeChat screenshots and other forms. When the victim was cornered because of what he was doing, he came to ask Tu for help, and then the victim fell into their trap.

The police seized a large number of forged seals and admission procedures.

In order to cheat parents’ trust, Tu even forged the seal of the school and the education department. When parents asked for admission procedures, he forged the admission notice, stamped the fake school seal and sent it to parents. In Tu’s residence, the police seized a large number of forged seals and forged admission procedures.

Police of Tiexinqiao Police Station of Yuhuatai Branch of Nanjing Public Security Bureau Hongda:Some admission notices are printed on A4 paper, and then they are stamped with a chapter. Font, format and signature are basically random, and they are edited and printed by themselves.

 In the investigation, Tu said that he only spent hundreds of thousands of yuan on the money he cheated, and the rest of the money was given to a person named Xie. Then who is this Xie Mou? Why did Tu give Xie the money he cheated? The investigation found that the trick used by Tu Mou to defraud Zhao Nvshi was actually learned from Xie Mou. Xie never came forward to cheat, but adopted the way of developing offline, and developed offline Tu and others. He taught Tu and others the means of fraud, and then transferred some money to him after Tu and others succeeded in fraud.

This Xie Mou, like Tu Mou, is also an unemployed person. However, Xie claimed to know a director of education, and through the director, he could handle some things that could not be handled by normal channels.

Police of Tiexinqiao Police Station of Yuhuatai Branch of Nanjing Public Security Bureau Hongda:We later found out that the so-called director of this education department was actually a fake person, who changed the remarks of the director of the provincial education department with her own WeChat trumpet, and then talked back and forth with herself, forging such a cheating process.

Use lies and a few WeChat screenshots to defraud trust.

The police investigation found that the scam fabricated by Xie and Tu was very simple, that is, using the fabricated lies and a few WeChat screenshots to gain the trust of parents. However, in less than a year, many parents, including Ms. Zhao, were fooled, and the total amount of fraud reached millions of yuan.

The police analyzed that the reason why such a simple deception can be successful is that the swindler took advantage of the urgent psychology of some parents who want their children to enter a good school.

Victim Zhao Nvshi:If this 260 thousand is spent on me, I may have to think about it for a long time, but spending it on children is just a shortcut and a gamble.

Parents who are usually cautious, when their children encounter problems, impulse often trumps reason. In this case, the deceived parents not only failed to send their children to a good school, but some even delayed their normal enrollment, which also had a certain impact on their children’s psychology.

The criminal suspect squandered the money obtained by fraud.

During the interview, the police handling the case told the reporter that in several cases of enrollment fraud in recent years, the swindlers used exactly the same tricks, taking advantage of the situation that parents had high hopes for their children and had no way to do things. First, they claimed that they could set up schools and education bureaus to lure parents to seek help, and then they defrauded parents of money on the grounds that they needed to do things. The police reminded parents to be vigilant at all times, especially in children’s affairs. At the same time, the police will also intensify the crackdown and strengthen preventive education, so that scammers have no chance.

Yuetong appeared in 2023CIBE exhibition with "black technology" soft eyelashes, and won many awards such as "Brand Award of Fashion Beauty List".

   According to the Report on the Development of Consumer Brands in China in 2021, the online listing rate of local brands has exceeded 70%, which has set off a wave of domestic products among the main consumers. However, it is still a huge problem for most start-up domestic brands to quickly emerge in the increasingly congested and involuted beauty market. As a "up-and-coming star" who achieved a billion-dollar sales breakthrough less than two years after its establishment and won the TOP 1 sales volume of false eyelashes on e-commerce platforms such as Tik Tok Tmall for two consecutive years, WOSADO Yuetong’s success proves that as long as the right track is selected, the segmentation field can also become a new growth engine.

  On September 4th, the 63rd "CIBE (America Expo) New Brand Conference" hosted by Guangdong Beauty Salon Cosmetics Industry Association officially kicked off in Guangzhou. Yue Tong, as the pioneer of soft eyelashes, was invited to attend. Her unique innovative design and subversive product experience made her stand out from many brands, and she successfully won two awards, namely "Brand Award of Beauty Fashion List" and "Product Award of Beauty Fashion List" at the award ceremony on the 6th.


  The popularity of the booth is bursting, and the strength is "circled" by countless merchants.

  At this CIBE, a group of domestic cosmetics brands gathered together, and Yuetong made a stunning appearance with a series of forward-looking beauty products, focusing on the series of soft magnetic false eyelashes that led the industry to change, creating an immersive experience scene for the audience. On the first day, it attracted hundreds of customers or participated in product trials, or consulted and negotiated cooperation. The booth was crowded and received rave reviews, which became a beautiful landscape that attracted much attention.


  Anchored subdivision track, specially designed for eyelash users.

  According to the market analysis report of false eyelashes industry in 2023, by 2028, the global false eyelashes market will reach 10 billion yuan, and the style update speed of domestic eyelash products will not exceed 3 months on average. On the contrary, the common products and services such as grafting and planting eyelashes in the market cannot meet the multiple needs of women for the safety, hygiene and personalization of false eyelashes at the same time — — Because the personal hygiene and tool disinfection of the eyelash artist are uncontrollable, the source of the planted eyelash material is unknown, there is no quality certification of professional testing institutions, and there are health and safety hazards such as bacterial infection, which poses a higher safety risk to pregnant people; Once planted, the eyelash style cannot be replaced within 1-2 months, and there will be an embarrassing period of eyelash shedding. Therefore, there is an urgent need for a safe, comfortable, efficient and convenient false eyelash that can be matched at will to fill the market gap.

  Therefore, with profound market insight and agile strategic decision-making, Zhao Weisheng, the founder of Yuetong brand, combined with the international high-tech team, and with world-class research and development strength, created a new era of soft magnetic eyelashes with "0 glue on the eye, beautiful when you wear it, and detachable at will".


  Insist on innovation-driven, exclusive soft magnetic technology has attracted much attention

  As we all know, with the cosmetics industry in the 21st century stepping into the era of scientific research, empowering products with science and technology and building strong technical barriers are increasingly becoming the key to breakthrough.

  Based on four years of visiting thousands of false eyelash users in six cities, Yuetong collected thousands of eye shape data and over 100,000 product fitting data, combined with the unique eye shape characteristics and eyelash use needs of Asian women, based on the self-created soft magnetic science system, and joined hands with many international top experts in the field of magnetism, such as Song Baozeng and Liao Yingxiang, to take the lead in setting up the world’s first "soft magnetic beauty bionic laboratory", and applied soft magnetic science to the field of makeup for the first time. After thousands of experiments and repeated upgrades, the exclusive R-SLM patent portfolio was invented. With safer materials, softer wool, tighter magnetic force and lighter magnetic stripe, the ultimate wearing experience of 0-glue soft magnetic second adsorption, soft fit without burden, persistent curling, and easy disassembly and replacement was realized, which solved the trouble of false eyelashes from the root and won 20+ national patent inventions.


  Cutting-edge quality benchmark, scientific research leading and ingenious persistence are the composite results.

  In addition to product research and development, we always adhere to intensive research and innovation, and strive for perfection in product quality. We strictly control every research and development process and carefully polish every product detail to create a standardized highland in the field of false eyelashes segmentation.

  At the beginning of its establishment, Yuetong established the strategy of building an independent supply chain. At present, it has established its own factory of more than 50,000 square meters, which controls the whole link from the research and development of raw materials and equipment, mechanized production line and manual operation, and realizes the integration of R&D, production and marketing.

  In the selection of raw materials, Yuetong has been selected from all over the world, and finally chose DuPont to reach an exclusive strategic cooperation, becoming the first brand in the industry to adopt DuPont Tynex and Kulex silver-based antibacterial materials. Tested by FDA, SGS, Rohs and other international authoritative organizations, it has reached the food-grade use standard, with the bacteriostatic rate as high as 99%,0 glue, 0 formaldehyde, 0 preservative, no bacteria after repeated use, mild and no irritation to eye skin, effectively ensuring safety and comfort.

  In the production process, Yuetong gave up mechanized production. From the first step of wool knitting, to the style cutting of eyelashes, and finally to the curling and setting, hundreds of eyelash weavers insisted on making them all by hand, eliminating the use of glue and chemical solvents, just to present safer and more natural eyelashes.


  Going abroad and building a global diversified channel strategy

  At the moment when the domestic beauty market is growing wildly, it is precisely because Yuetong insists on taking the user’s needs as the guide and constantly refreshes the new height of makeup care technology that she can become a frequent visitor to the domestic makeup list and achieve a double harvest of sales and word of mouth.

  As a pioneer in inciting eye makeup market segments, Yuetong’s "ambition" goes far beyond this. In the domestic beauty red sea, a brand-new blue ocean track has been created, and at the same time, it has also made strong inroads into international markets such as Asia-Pacific and North America. It has been exported to eight overseas countries and regions, and has served more than 30 million users worldwide, becoming another "dark horse" brand that successfully went to sea after Hua Xizi and Perfect Diary. Excellent product R&D strength, global industrial resource integration ability and accurate digital marketing ability enable Yuetong to lay out multiple channels in a three-dimensional way, and build a matrix of scientific and technological makeup products that meet consumers’ expectations. Let’s wait and see how far it can sail in the "sea of stars" of the global makeup market of 100 billion.

@ Hongkou people, do you have any small wishes to realize? There is a "wishing pool" here in Hongkou

"My legs and feet are inconvenient. I want a wheelchair."

"I want someone to help me get a haircut."

"I am visually disabled and want someone to accompany me for vaccination."

……

@ Hongkou people

Do you have a small wish?

We have prepared a "wishing pool" for you!

If you have a similar wish, you may wish to open your mobile phone, move your fingers and make a "micro-wish" in Shanghai Hongkou APP.

Since August this year, Hongkou District has carried out the activity of lighting up "micro-wishes" in an all-round way. In order to continuously deepen the concept of "I do practical things for the masses", Shanghai Hongkou APP has launched the "micro-wishes" service section to provide convenient channels for the broad masses of people to participate in the activities.

Your "micro-wish"

We care very much.

Ms. Wang, who lives in the junior residential area of Ouyang Road Street, was recuperating at home because of a fracture and learned that a temporary vaccination point was about to be opened in the community. In order not to miss the opportunity of vaccination at home, she uploaded a "micro-wish" of "I hope volunteers will accompany me to vaccinate" on Shanghai Hongkou APP. Soon, her "wish" was claimed by two residents’ committee staff. On the day of vaccination, volunteers carried Ms. Wang downstairs, and then wheeled her to the temporary vaccination site to successfully complete the vaccination. "I am busy at work on weekdays and pay little attention to the dynamics of the community. This experience has made me deeply feel the warmth of the community." Ms. Wang said.

Zheng Wei, a college student, often takes part in volunteer service activities in his spare time. This summer, after learning about the situation from Ouyang Road Street Citizen Station, he claimed the "micro-wish" of community students to "find extracurricular tutoring" on Shanghai Hongkou APP. For three weeks in a row, he insisted on volunteering for community students for two hours every weekday afternoon to accompany the students through a full and enjoyable summer life. Zheng Wei told reporters that volunteer service is very meaningful. Shanghai Hongkou APP "Micro Wish" provides a good volunteer service platform, and he will continue to pay attention to help more community students and old people realize their "wishes" in the future.

From pilot to full-scale development

Overcome the urgent difficulties and worries of special groups

In May of this year, Hongkou District piloted the lighting of "micro-wishes" activities in Ouyang, Jiangwan and other streets, including physical wishes such as school supplies, daily necessities, small household appliances and clothing, as well as service wishes such as life care, psychological comfort and information consultation that are suitable for the community and are easy to provide.

Since August, the activity of lighting "micro-wishes" has been carried out in all streets of the whole district. In combination with the arrangement and deployment of the practical activity of "I do practical things for the masses" in the study and education of party history, a "mass wish list" has been established, and party organizations in various fields and party member people in the whole district have been mobilized to light up the "micro-wishes" of more than 10,000 residents, and relying on the "home party building" organization guarantee, party-mass service positions, various mechanisms for contacting and serving the masses, online channels and so on, the elderly are

In order to further improve the participation rate of activities and promote the people’s needs to be known immediately, Shanghai Hongkou APP launched the "micro-wish" service section. The platform is open to all registered users of "Shanghai Hongkou APP", and citizens can initiate and claim "wishes" online. The party organizations and neighborhood committees in residential areas have been audited in the background, and they have been involved in the matching and docking of wishes all the time, effectively improving the efficiency of solving grassroots difficulties and people’s troubles.

How to publish "micro-wishes"?

Download and register for login

"Shanghai Hongkou APP"

(Ignored by registered users)

Step one:

Enter the "micro-wish" section of the home page

Step 2:

Click the "+"publish button.

Step 3:

Fill in the wish information as required.

Step 4:

Submit information

Waiting for community administrator’s approval

How to claim "micro-wishes"?

Download and register for login

"Shanghai Hongkou APP"

(Ignored by registered users)

Step one:

Enter the "micro-wish" section of the home page

Step 2:

Click "Wish" to enter the wish list.

Step 3:

Desire to choose "pending claim" status

Step 4:

Click to enter the details page.

Click the "to be claimed" button.

Step 5:

Submit information

Waiting for community administrator’s approval

Light up "micro-wishes"

Warm you, me, him

Waiting for you to participate ~

What did you wish for?

What wish did you achieve for others?

Welcome to tell Xiaohong ~

Reporter: Rola Chen.

Photo: Ouyang Road Street

Original title: @ Hongkou people, do you have any small wishes to realize? There is a "wishing pool" in Hongkou.