The Measures for the Supervision and Administration of Insurance Group Companies was adopted at the 10th Committee Meeting of China Banking and Insurance Regulatory Commission in 2021 on August 19th, 2021. It is hereby promulgated and shall come into force as of the date of promulgation.

　　Chairman Guo Shuqing

　　November 24, 2021

　　Measures for the supervision and administration of insurance group companies

　　Chapter I General Provisions

　　Article 1 In order to strengthen the supervision and management of insurance group companies, effectively prevent the operational risks of insurance groups, and promote the healthy development of financial and insurance industries, these Measures are formulated in accordance with the Insurance Law of People’s Republic of China (PRC) (hereinafter referred to as the Insurance Law), the Company Law of People’s Republic of China (PRC) and other laws and administrative regulations, as well as the Decision of the State Council on Setting Administrative Permissions for Administrative Examination and Approval Items that Need to Be Retained (Order No.412 of the State Council of the People’s Republic of China).

　　Article 2 The Insurance Regulatory Commission of the Bank of China (hereinafter referred to as China Banking and Insurance Regulatory Commission) shall, in accordance with laws, administrative regulations and the State Council’s authorization, and on the principle that substance is more important than form, conduct comprehensive, continuous and penetrating supervision and management over insurance group companies.

　　Article 3 The term "insurance group company" as mentioned in these Measures refers to a company registered in accordance with the law and established with the approval of China Banking and Insurance Regulatory Commission, which has the words "insurance group" or "insurance holding" in its name and exercises control, joint control or significant influence on the member companies of the insurance group.

　　Insurance group refers to an enterprise collection composed of insurance group companies and companies controlled, jointly controlled or greatly influenced by them. In this enterprise collection, besides insurance group companies, there are more than two subsidiaries that are insurance companies and insurance business is the main business of this enterprise collection.

　　The member companies of an insurance group refer to insurance group companies and companies controlled, jointly controlled or greatly influenced by them, including insurance group companies, subsidiaries directly or indirectly controlled by insurance group companies and other member companies.

　　Chapter II Establishment and Licensing

　　Article 4 The establishment of an insurance group company shall be submitted to China Banking and Insurance Regulatory Commission for examination and approval and meet the following conditions:

　　(1) The investor meets the qualification requirements for shareholders of insurance companies as stipulated by China Banking and Insurance Regulatory Commission, and the shareholding structure is reasonable, and it controls at least 50% of the shares of two domestic insurance companies in total;

　　(2) Having member companies that meet the requirements of Article 6 of these Measures;

　　(3) The minimum registered capital is 2 billion yuan;

　　(4) Having directors, supervisors and senior managers who meet the qualification requirements stipulated by China Banking and Insurance Regulatory Commission;

　　(5) Having a sound corporate governance structure, sound organizational structure, effective risk management and internal control management system;

　　(6) Having business premises, office equipment and information systems suitable for its operation and management;

　　(seven) other conditions stipulated by laws, administrative regulations and China Banking and Insurance Regulatory Commission.

　　Involving the disposal of risks, the above conditions may be appropriately relaxed with the approval of China Banking and Insurance Regulatory Commission.

　　Article 5 The supervision of equity and shareholders’ behavior of insurance group companies shall be governed by China Banking and Insurance Regulatory Commission’s regulations on equity management of insurance companies.

　　Article 6 At least one insurance company controlled by the investor who intends to establish an insurance group company meets the following conditions:

　　(a) in China for more than 6 years;

　　(2) It has made continuous profits in the last three fiscal years;

　　(3) Its net assets at the end of the previous year are not less than 1 billion yuan, and its total assets are not less than 10 billion yuan;

　　(4) Having a sound corporate governance structure, sound organizational structure, effective risk management and internal control management system;

　　(5) The core solvency adequacy ratio is not less than 75% in the last four quarters, and the comprehensive solvency adequacy ratio is not less than 150%;

　　(6) Its comprehensive risk rating in the last four quarters is not lower than Class B;

　　(seven) in the last three years, there were no major violations of laws and regulations and major acts of dishonesty.

　　Article 7 An insurance group company may be established in the following two ways:

　　(1) Initiating the establishment. The shareholders of an insurance company, as promoters, set up an insurance group company with their equity and monetary contributions, of which the total monetary contribution shall not be less than 50% of the registered capital of the insurance group company.

　　(2) Renaming the establishment. An insurance company is renamed as an insurance group company, and the insurance group company establishes an insurance subsidiary with monetary contribution, and the insurance business of the original insurance company is transferred to the insurance subsidiary according to law.　

　　The establishment of insurance group companies includes two stages: preparation and opening.　

　　Article 8 Where an insurance group company is established by means of sponsorship, the sponsors shall submit the following materials to China Banking and Insurance Regulatory Commission in the preparatory stage:

　　An application for establishment, including the name, organizational form, registered capital, domicile (business premises), investors, investment amount, investment proportion, business scope, preparatory organization, contact person and contact information of the company to be established;

　　(2) Feasibility study report, including feasibility analysis, establishment mode, development strategy, corporate governance and organizational framework, risk management and internal control system, solvency evaluation of insurance subsidiaries before and after integration, etc.;

　　(3) the preparation plan, including the establishment of the preparatory group, work responsibilities and work plans, the equity structure of the insurance group company to be established and its subsidiaries, the overall planning and operation process for rationalizing the equity relationship, the name and business category of the subsidiaries, etc.;

　　(4) The materials of the person-in-charge of the preparatory group, including the investor’s letter of confirmation on the appointment of the person-in-charge of the preparatory group and the proposed chairman and general manager, the basic information of the person-in-charge of the preparatory group, the personal approval certificate, the application form for the qualification of the proposed chairman and general manager, the identity certificate and the copy of the academic degree certificate;

　　(5) Draft articles of association of the insurance group company;

　　(6) The audited financial report and solvency report of the insurance company controlled by the promoters in the last three years;

　　(7) Business license;

　　(8) Relevant materials of investors, including basic information materials, financial information materials, corporate governance materials, subsidiary information materials, special materials of investors in limited partnership enterprises, etc.;

　　(9) documents certifying the ownership or right to use the domicile (business premises);

　　(ten) long-term development strategy and planning, business plan, foreign investment plan, capital and financial management, risk management and internal control and other major systems;

　　(eleven) information construction report;

　　(twelve) legal opinions;

　　(13) Anti-money laundering materials;

　　(14) A statement on the authenticity of the materials;

　　(fifteen) other materials stipulated by China Banking and Insurance Regulatory Commission.

　　Article 9 Where an insurance group company is established by renaming, the insurance company to be renamed shall submit the following materials to China Banking and Insurance Regulatory Commission in the preparatory stage:

　　(1) An application for renaming, which shall specify the name, organizational form, registered capital, domicile (business premises), business scope, preparatory organization, contact person and contact information of the company to be renamed;

　　(2) Feasibility study report, including feasibility analysis, renaming method, corporate governance and organizational framework, development strategy, risk management and internal control system, and solvency assessment of insurance companies before and after renaming;

　　(3) The name change plan, including the equity structure of the insurance group company to be established and its subsidiaries, the overall planning and operation process for rationalizing the equity relationship, the name and business category of the subsidiaries, etc.;

　　(4) The materials of the person-in-charge of the preparatory group, including the investor’s letter of confirmation on the appointment of the person-in-charge of the preparatory group and the proposed chairman and general manager, the basic information of the person-in-charge of the preparatory group, the personal approval certificate, the application form for the qualification of the proposed chairman and general manager, the identity certificate and a copy of the academic degree certificate;

　　(5) Draft articles of association of the insurance group company;

　　(six) the resolution of the shareholders’ (general) meeting of the insurance company to change its name and establish an insurance group company;

　　(7) The audited financial report and solvency report of the insurance company in the last three years;

　　(eight) the business license after the name change;

　　(9) documents certifying the ownership or right to use the domicile (business premises);

　　(ten) long-term development strategy and planning, business plan, foreign investment plan, capital and financial management, risk management and internal control and other major systems;

　　(eleven) information construction report;

　　(twelve) legal opinions;

　　(13) Anti-money laundering materials;

　　(14) A statement on the authenticity of the materials;

　　(fifteen) other materials stipulated by China Banking and Insurance Regulatory Commission.

　　Article 10 Where an insurance group company is established, the promoters or the insurance company to be renamed shall submit the following materials to China Banking and Insurance Regulatory Commission at the opening stage:

　　(1) An application for starting business, including the company’s name, domicile (business place), legal representative, registered capital, shareholding structure, business area and business scope, and the list of directors, supervisors, senior managers and key position managers to be proposed.

　　(2) If the establishment is initiated, the resolution of the founding meeting shall be provided; if there is no resolution of the founding meeting, the documents or resolutions of all investors agreeing to apply for business opening shall be submitted; In case of renaming, the resolution of the shareholders’ (general) meeting shall be provided.

　　(3) Articles of association of the insurance group company and rules of procedure of the shareholders’ (general) meeting, the board of directors and the board of supervisors.

　　(4) If the establishment is initiated, a capital verification report shall be provided; If the company adopts the method of renaming its establishment, it shall provide the asset appraisal report, customer and creditor rights protection plan and employee rights protection plan to be injected into the newly established insurance subsidiary.

　　(5) Development planning, including planning elements such as the company’s strategic objectives, business development, institutional development, solvency management, capital management, risk management and safeguard measures.

　　(6) Resumes of the directors, supervisors and senior managers to be appointed and the certification materials that meet the corresponding qualifications.

　　(7) The organizational structure of the company, including the establishment of departments and the basic composition of personnel.

　　(8) Asset custody agreement or letter of intent for asset custody cooperation.

　　(nine) the certificate of ownership or right to use the residence (business premises) and the fire safety certificate.

　　(ten) information construction report.

　　(eleven) the company’s internal management system.

　　(12) Business license.

　　(13) Relevant materials of investors, including financial information materials, tax payment certificates and credit records, information on the ownership structure, controlling shareholders and actual controllers, a statement of no record of major violations of laws and regulations, and a commitment letter for investment in self-owned funds.

　　(14) Anti-money laundering materials.

　　(15) A statement on the authenticity of the materials.

　　(sixteen) other materials stipulated by China Banking and Insurance Regulatory Commission.

　　Article 11 To establish an insurance group company, it shall register with the market supervision and management department in industrial and commercial registration and obtain a business license.

　　An insurance group company shall be approved by China Banking and Insurance Regulatory Commission before it can carry out relevant business activities. After approval by China Banking and Insurance Regulatory Commission, an insurance license shall be issued.

　　The time limit for examination and approval of the establishment of insurance group companies shall be implemented with reference to the relevant provisions of insurance companies.

　　Chapter III Operating Rules

　　Article 12 The business of an insurance group company is mainly equity investment and management.

　　Insurance group companies should use their own funds to carry out major equity investments. Major equity investment refers to the investment behavior of controlling the invested enterprise.

　　Article 13 An insurance group company shall abide by the requirements of laws, administrative regulations and other regulatory provisions in its insurance business, equity management and use of insurance funds.

　　Article 14 On the basis of respecting the operational autonomy of independent legal persons of subsidiaries and other member companies, insurance group companies shall make overall management of the equity investment of the whole group to prevent disorderly expansion.

　　Article 15 An insurance group company may invest in the following insurance enterprises:

　　(1) Insurance companies;

　　(2) Insurance asset management institutions;

　　(3) specialized insurance agencies, insurance brokerage agencies and insurance assessment agencies;

　　(four) other insurance enterprises approved by China Banking and Insurance Regulatory Commission.

　　Article 16 An insurance group company may invest in non-insurance financial enterprises.

　　The book balance of major equity investments made by insurance group companies and their subsidiaries in domestic non-insurance financial enterprises shall not exceed 30% of the consolidated net assets of the group at the end of last year.

　　Article 17 An insurance group company and its subsidiaries shall, in principle, not hold more than one share when investing in an enterprise with the same main business in the same financial industry.

　　Article 18 An insurance group company may invest in non-financial enterprises related to insurance business as stipulated in Article 56 of these Measures.

　　Except for non-financial enterprises and project companies established for investment in real estate as stipulated in Article 56 of these Measures, the shareholding ratio of an insurance group company to other single non-financial enterprises shall not exceed 25%, or it shall not have a significant impact on the enterprise.

　　Article 19 The total book balance of major equity investments made by insurance group companies and their financial subsidiaries in domestic non-financial enterprises shall not exceed 10% of the consolidated net assets of the group at the end of last year.

　　Non-financial enterprises included in the calculation scope of the preceding paragraph refer to the first-level non-financial enterprises invested by insurance group companies and their financial subsidiaries in China.

　　The non-financial enterprises mentioned in this Article do not include the project companies established by insurance group companies and their financial subsidiaries for investing in real estate, and the shared service subsidiaries mainly providing services for insurance groups as stipulated in Item (1) of Paragraph 1 of Article 56 of these Measures.

　　Article 20 An insurance group company may make overseas investments.

　　The book balance of major equity investments made by insurance group companies and their domestic subsidiaries in overseas entities shall not exceed 10% of the consolidated net assets of the group at the end of last year.

　　The overseas entities included in the calculation of the preceding paragraph refer to the first-level overseas entities invested by insurance group companies and their domestic subsidiaries abroad.

　　The book balance of an insurance group company and its domestic subsidiaries investing in a single overseas non-financial entity shall not exceed 5% of the consolidated net assets of the group at the end of the previous year.

　　The overseas entities specified in this article do not include the project companies established by insurance group companies and their domestic financial subsidiaries for investing in real estate.

　　Chapter IV Corporate Governance

　　Article 21 An insurance group company shall, in accordance with the requirements of laws, administrative regulations and other regulatory provisions, establish a corporate governance framework that meets the following requirements:

　　(1) Covering all member companies of the Group;

　　(2) Covering all important matters of the Group;

　　(3) properly identify and balance the conflicts of interest between the member companies and the group as a whole and among the member companies.

　　The contents that the governance framework should pay attention to include but not limited to:

　　(1) Standardized governance structure;

　　(two) the appropriateness of the ownership structure and management structure;

　　(3) Clear boundaries of responsibilities;

　　(4) Financial soundness of major shareholders;

　　(5) Scientific development strategy, values and good social responsibility;

　　(6) Effective risk management and internal control;

　　(7) Reasonable incentive and restraint mechanism;

　　(8) Perfect information disclosure system.

　　Article 22 An insurance group company shall respect the operational autonomy of its subsidiaries and other member companies as independent legal persons, make overall management of the group’s human resources, financial accounting, data governance, information system, capital utilization, brand culture and other matters, strengthen business collaboration and resource sharing within the group, establish a risk management, internal control compliance and internal audit system covering the whole group, and improve the overall operational efficiency and risk prevention capability of the group.

　　Article 23 An insurance group company shall not abuse its control position or take other improper measures to damage the legitimate rights and interests of its subsidiaries and other stakeholders in the process of performing its management functions.

　　Article 24 An insurance group company shall organize the formulation of the overall strategic plan of the group, regularly evaluate the implementation of the strategic plan, and adjust and improve the strategic plan according to the actual development and changes in the external environment.

　　An insurance group company shall, according to the overall strategic planning of the group, guide its subsidiaries to formulate development strategies and business plans. An insurance group company shall set up or designate corresponding functional departments to regularly monitor and evaluate the implementation of the development strategy and business plan of its subsidiaries and put forward management opinions to ensure the realization of the overall objectives of the group and the responsibility objectives of its subsidiaries.

　　Article 25 An insurance group company shall reasonably determine the size and membership of the board of directors according to its own management needs.

　　Article 26 The board of directors of an insurance group company shall set up a special committee according to relevant regulatory requirements and actual conditions, and exercise such functions as auditing, nomination and remuneration management, strategic management, risk management and related party transaction management.

　　Article 27 An insurance group company shall guide its subsidiaries to establish a standardized corporate governance structure according to the overall strategic planning of the group and the management needs of its subsidiaries and the principles of compliance, simplification and high efficiency.

　　If the subsidiary is a listed company, the corporate governance shall conform to the listing rules and the regulatory requirements of the listed company.

　　Article 28 An insurance group company shall, while promoting the good operation of its shareholders’ (general) meeting, board of directors and board of supervisors in accordance with the law, strengthen decision-making support and organizational management for different levels and types of meetings of its subsidiaries.

　　An insurance group company shall establish or designate corresponding functional departments to provide support and services for the directors and supervisors of its subsidiaries to perform their duties. Directors and supervisors of subsidiaries shall be responsible for their performance of duties in the board of directors or the board of supervisors according to law.

　　Article 29 An insurance group company may, after filing with China Banking and Insurance Regulatory Commission, exempt its insurance subsidiaries from the regulatory requirements on independent directors and special committees of the board of directors if it meets the following conditions:

　　(1) The insurance group has a sound corporate governance structure and an effective corporate governance mechanism, and has established a system of independent directors and special committees of the board of directors in accordance with relevant regulatory provisions;

　　(2) The insurance group company has established an effective control mechanism for its insurance subsidiaries.

　　In the event that an insurance subsidiary exempted in the preceding paragraph fails in its corporate governance mechanism or suffers from corporate governance defects, China Banking and Insurance Regulatory Commission may revoke the exemption as appropriate.

　　Article 30 An insurance group company shall have a concise, clear and penetrating equity structure.

　　An insurance group shall establish an organizational structure and management structure suitable for its strategic planning, risk status and management ability, so as to achieve a reasonable level of equity control of the insurance group company and its subordinate member companies, a clear and transparent organizational structure and a clear management structure.

　　Article 31 In principle, the level of equity control between an insurance group company and its financial subsidiaries shall not exceed three levels, and the level of equity control between its non-financial subsidiaries shall not exceed four levels. The calculation of the level of equity control is based on the level of the insurance group company. Special purpose entities that do not conduct business or actually operate, and project companies established to invest in real estate may not be counted in the above-mentioned equity control level.

　　Article 32 In principle, the member companies of an insurance group shall not cross-hold shares, and subsidiaries and other member companies shall not hold the shares of an insurance group company.

　　Article 33 In principle, the senior managers of an insurance group company may concurrently serve as the senior managers of at most one insurance subsidiary.

　　In principle, senior managers of subsidiaries and other member companies shall not concurrently hold positions with each other.

　　Article 34 An insurance group company shall establish and improve the performance evaluation system for directors, supervisors and senior managers covering the whole group.

　　An insurance group company shall establish a scientific and reasonable salary management mechanism and performance appraisal system that is compatible with the group’s development strategy, risk management, overall benefits, job responsibilities, social responsibilities and corporate culture.

　　Article 35 An insurance group company shall establish a unified internal audit system, conduct independent and objective supervision, evaluation and suggestions on the financial revenue and expenditure, business operation, internal control and risk management of the group and its member companies, and guide and evaluate the internal audit work of its subsidiaries.

　　If an insurance group company implements centralized or vertical management of internal audit, its subsidiaries may entrust the insurance group company to carry out internal audit.

　　Chapter V Risk Management

　　Article 36 An insurance group company shall integrate the group’s risk management resources, establish a comprehensive risk management system and a scientific and effective risk early warning mechanism that are suitable for the group’s strategic objectives, organizational structure and business model, and effectively identify, measure, evaluate, monitor and control the overall risks of the group.

　　Insurance group risks include but are not limited to:

　　(1) General risks, including insurance risk, credit risk, market risk, liquidity risk, operational risk, reputation risk and strategic risk;

　　(2) Unique risks, including risk contagion, opaque organizational structure, concentration risk, non-insurance risks, etc.

　　Article 37 An insurance group company shall set up a risk management department independent of the business department, responsible for the formulation and implementation of the group’s comprehensive risk management system, and require all business lines, subsidiaries and other member companies to formulate their own risk management policies under the framework of the group’s overall risk preference and risk management policies, so as to promote the consistency and effectiveness of the insurance group’s risk management.

　　Article 38 An insurance group company shall formulate a risk preference system at the group level, define the risk level that the group is willing and able to bear in the process of achieving its strategic objectives, determine the risk management objectives, and the risk tolerance and risk limit of the group for various risks.

　　The risk preference system shall be implemented after the approval of the board of directors, and shall be reviewed, revised and improved every year.

　　Article 39 An insurance group company shall, according to the overall development strategy and risk preference of the group, allocate various risk indicators and risk limits, and establish an over-limit disposal mechanism. The risk preference, risk tolerance and risk limit of subsidiaries and other member companies shall be coordinated with those of the Group.

　　An insurance group company shall monitor the implementation of the risk management system of the group as a whole, its subsidiaries and other member companies, and may require the member companies to adjust the risk limit based on the group risk limit when necessary.

　　Article 40 An insurance group company shall establish an information system to meet the needs of group risk management, ensure that it can obtain relevant information of group risk management accurately, comprehensively and timely, conduct qualitative and quantitative analysis of various risks, and effectively identify, evaluate and monitor the overall risk status of the group.

　　Article 41 An insurance group company shall manage the concentration risk of the group on the basis of consolidated statement, and establish and improve the policies, procedures and methods of concentration risk management, so as to identify, measure, monitor and prevent different types of concentration risks of the group as a whole and its member companies.

　　The concentration risk of insurance group refers to the risk that a single risk or risk combination of member companies may directly or indirectly threaten the solvency of the group after aggregation at the group level; Including but not limited to counterparty concentration risk, insurance business concentration risk, non-insurance business concentration risk, investment asset concentration risk, industry concentration risk, regional concentration risk, etc.

　　Article 42 An insurance group company shall establish and improve the firewall system in fund management, business operation, information management and personnel management within the group to prevent risk transmission among the member companies of the insurance group.

　　When conducting business collaboration among insurance group member companies, the risk-taking subjects shall be clearly defined in the form of contracts according to law, so as to prevent unclear risk responsibilities, cross-infection and conflicts of interest.

　　Article 43 An insurance group company shall establish policies and procedures for monitoring, reporting, controlling and handling related party transactions and internal transactions of the whole insurance group, so as to prevent possible improper interest transfer, delayed exposure of risks, regulatory arbitrage, risk contagion and other negative impacts on the stable operation of the insurance group.

　　The internal transactions of an insurance group shall comply with the relevant provisions of China Banking and Insurance Regulatory Commission on related party transactions and internal transactions.

　　Article 44 An insurance group company shall strengthen the overall management of the group’s external guarantee, and clarify the conditions, amount and approval procedures of the external guarantee.

　　An insurance group company can only provide guarantees to its insurance subsidiaries, and the balance of external guarantees provided by the insurance group company and its subsidiaries shall not exceed 10% of the company’s net assets at the end of the previous year.

　　Article 45 An insurance group company shall establish a stress test system suitable for its risks, conduct stress tests on the overall liquidity and solvency of the group on a regular basis, and apply the test results to the formulation of business management decisions, emergency plans and recovery and disposal plans.

　　Article 46 An insurance group company shall strengthen the information security protection of group customers, guide and urge its subsidiaries and other member companies to carry out the collection, transmission, storage, use and sharing of customer information in accordance with the principles of legality, justness and necessity, and strictly fulfill their information protection obligations.

　　Chapter VI Capital Management

　　Article 47 An insurance group company shall establish and improve a capital management system covering the whole group, including a capital planning mechanism, a capital adequacy evaluation mechanism, a capital restraint mechanism and a capital replenishment mechanism, so as to ensure that the capital is suitable for the asset scale, business complexity and risk characteristics, and can fully cover all kinds of risks faced by the group.

　　Article 48 An insurance group company shall, according to the company’s development strategic objectives, industry conditions and relevant state regulations, make targeted capital plans for the insurance group company and its financial subsidiaries for at least the next three years, and ensure the feasibility of the capital plans.

　　Article 49 An insurance group company shall set appropriate capital adequacy targets according to the group’s development strategy, business planning and risk preference.

　　Insurance group companies and their financial subsidiaries should establish a capital adequacy assessment mechanism that is suitable for their own risk characteristics and business environment, regularly assess their capital status, ensure that insurance group companies and their insurance subsidiaries meet the solvency supervision requirements, and the capital status of non-insurance financial subsidiaries continues to meet the requirements of financial supervision departments, and maintain the asset-liability ratio of non-financial subsidiaries at a reasonable level to achieve safe and stable operation of the group.

　　Article 50 An insurance group company shall establish a capital restraint mechanism within the group to guide its subsidiaries and other member companies to strictly abide by the capital restraint indicators, pay attention to prudent operation and strengthen risk management in formulating development strategies and business plans, designing products and using funds.

　　Insurance group companies shall strengthen the management of assets and liabilities, keep the debt scale and term structure reasonable and appropriate, and keep the asset structure and liability structure reasonably matched.

　　Article 51 An insurance group company shall establish a capital replenishment mechanism suitable for the development strategy and business planning of its subsidiaries and other member companies, maintain the group’s capital adequacy by strengthening business management, improving internal profitability, equity or debt financing, and strengthen cash flow management to fulfill its capital contribution obligations to its subsidiaries and other member companies.

　　Article 52 An insurance group company may issue qualified capital instruments according to laws, administrative regulations and other regulatory provisions, but the double leverage ratio shall be strictly controlled. The double leverage ratio of insurance group companies shall not be higher than the relevant requirements of China Banking and Insurance Regulatory Commission.

　　The term "double leverage ratio" as mentioned in these Measures refers to the ratio of the book value of the long-term equity investment of an insurance group company to the owner’s equity; Book value refers to the book balance minus impairment reserve.

　　Chapter VII Management of Non-insurance Subsidiaries

　　Article 53 The term "non-insurance subsidiaries" as mentioned in these Measures refers to the domestic and overseas subsidiaries directly or indirectly controlled by the insurance group company and its insurance subsidiaries, which do not belong to the insurance enterprises specified in Article 15 of these Measures.

　　Article 54 An insurance group company and its insurance subsidiaries directly or indirectly invest in non-insurance subsidiaries, which should be conducive to optimizing the group’s resource allocation, exerting synergy, enhancing the overall specialization level and market competitiveness of the group, and effectively promoting the development of the main insurance industry.

　　The term "direct investment" as mentioned in this chapter refers to the behavior of insurance group companies and their insurance subsidiaries to invest in the name of investors and hold the equity of non-insurance subsidiaries; The so-called indirect investment refers to the behavior of insurance group companies and their non-insurance subsidiaries at all levels to invest in the name of investors and hold the equity of other non-insurance subsidiaries.

　　Investing in non-insurance subsidiaries should follow the principle that substance is more important than form. In essence, the investment carried out by an insurance group company or its insurance subsidiaries shall not evade supervision by indirect investment through non-insurance subsidiaries in violation of regulations.

　　Article 55 An insurance group company shall establish a sound internal management system, define the authority, process and responsibility for the management of non-insurance subsidiaries, and implement the main responsibility for the management of non-insurance subsidiaries.

　　Article 56 An insurance group company may directly or indirectly invest in non-insurance subsidiaries, and the specific types include:

　　(1) A shared service subsidiary that mainly provides information technology services, auditing, policy management, catastrophe management, property management and other services and management for insurance group member companies;

　　(2) Other non-insurance subsidiaries established by carrying out major equity investment according to the regulatory provisions of China Banking and Insurance Regulatory Commission on the use of insurance funds;

　　(3) Other subsidiaries as stipulated by laws, administrative regulations and China Banking and Insurance Regulatory Commission.

　　Article 57 Where an insurance group company directly invests in a non-insurance subsidiary of shared services, it shall meet the following conditions:

　　(1) The corporate governance mechanism is sound and running well;

　　(2) At the end of the previous period, the comprehensive solvency adequacy ratio was above 150%, and the core solvency adequacy ratio was above 75%;

　　(three) the use of its own funds to invest, the source of funds in line with laws, administrative regulations and regulatory requirements;

　　(4) The non-insurance subsidiary with shared services to be invested mainly provides shared services for the insurance group;

　　(5) China Banking and Insurance Regulatory Commission’s regulatory provisions on major equity investments.

　　Insurance group companies may not indirectly invest in non-insurance subsidiaries of shared services.

　　Article 58 An insurance group company investing in a non-insurance subsidiary of shared services shall report to China Banking and Insurance Regulatory Commission for examination and approval, and provide the following materials:

　　(a) the materials that should be submitted for the major equity investment required by the relevant regulatory provisions of China Banking and Insurance Regulatory Commission;

　　(2) Specific plans for sharing services or management, institutional arrangements for risk isolation, and relevant measures for protecting the rights and interests of insurance consumers, etc.

　　The direct investment of insurance group companies in non-insurance subsidiaries other than shared services shall be implemented in accordance with the regulatory provisions of China Banking and Insurance Regulatory Commission on major equity investments.

　　Where an insurance group company indirectly invests in a non-insurance subsidiary, the insurance group company shall report to China Banking and Insurance Regulatory Commission within 15 working days from the date of signing the sponsor agreement or investment agreement.

　　Article 59 The direct investment of an insurance group company and its insurance subsidiaries in non-insurance subsidiaries shall conform to the internal decision-making procedures stipulated in laws, administrative regulations, regulatory provisions and its articles of association, and be approved by its shareholders’ (general meeting), board of directors or its authorized institutions.

　　Indirect investment in non-insurance subsidiaries shall be reported to the board of directors of the insurance group company or its insurance subsidiaries.

　　Article 60 An insurance group company and its insurance subsidiaries shall, through the management of the directly controlled non-insurance subsidiaries, ensure that other non-insurance subsidiaries invested or acquired by non-insurance subsidiaries comply with the relevant requirements of these Measures.

　　Article 61 An insurance group company shall strengthen the management of trademarks and shop names, and clarify the specific ways and authorities for non-insurance member companies to use their own trademarks and shop names, so as to avoid the transmission of reputation risks.

　　Article 62 An insurance group company and its insurance subsidiaries shall not provide guarantees for the debts of non-insurance subsidiaries, and shall not provide loans to non-insurance subsidiaries, unless otherwise stipulated by China Banking and Insurance Regulatory Commission.

　　Article 63 An insurance group company and its insurance subsidiaries may not invest in non-insurance subsidiaries by taking joint liability for the debts of the invested enterprise.

　　When an insurance group company and its insurance subsidiaries subscribe for shares of non-insurance subsidiaries or securities such as stocks and bonds issued by them, they shall abide by the regulatory provisions of China Banking and Insurance Regulatory Commission on the use of insurance funds.

　　Where an insurance group company and its insurance subsidiaries make commitments to increase investment or provide capital assistance to non-insurance subsidiaries in the future, they shall comply with relevant regulations and be approved by their shareholders’ meeting, the board of directors or their authorized institutions.

　　Article 64 An insurance group company and its insurance subsidiaries shall establish an outsourcing management system, specifying the scope, contents, forms, decision-making authority and procedures, follow-up management, rights, obligations and responsibilities of outsourcing parties, etc.

　　The term "outsourcing" as mentioned in these Measures refers to the behavior that an insurance group company and its insurance subsidiaries entrust some business activities or management functions that were originally handled by themselves to non-insurance subsidiaries or institutions outside the group for continuous processing.

　　Article 65 Where an insurance group company and its insurance subsidiaries outsource their business or functions, they shall conduct a risk assessment and be reviewed and approved by its board of directors or the agency authorized by the board of directors, so as to ensure that the entrusted party providing outsourcing services has good and stable financial status, high technical strength and service quality, complete management ability and strong ability to deal with emergencies.

　　When outsourcing, an insurance group company and its insurance subsidiaries shall sign a written contract with the trustee, specifying the outsourcing content, form, service price, customer information confidentiality requirements, rights and obligations of all parties, and liability for breach of contract. In the process of outsourcing, we should strengthen the risk monitoring of outsourcing activities, regularly review the performance of outsourcing business and functions in the annual risk assessment, conduct risk exposure analysis and other risk assessments, and report to the board of directors.

　　Insurance group companies and their insurance subsidiaries shall report to China Banking and Insurance Regulatory Commission 20 working days before the signing of the outsourcing contract. According to the risk status of the outsourcing behavior, China Banking and Insurance Regulatory Commission can take measures such as risk warning, meeting and talking, supervision and inquiry.

　　Article 66 An insurance group company shall submit the annual report of its non-insurance subsidiaries to China Banking and Insurance Regulatory Commission before April 30th every year. The report shall include the following contents:

　　(a) the overall situation of investment in non-insurance subsidiaries, including the number, level, business classification and operation, control, important internal control and risk management system of non-insurance subsidiaries;

　　(2) The equity structure diagram of non-insurance subsidiaries, including the hierarchy and calculation of non-insurance subsidiaries, and the equity proportion of insurance group companies and their insurance subsidiaries directly or indirectly investing in non-insurance subsidiaries, etc.;

　　(3) Basic information of the main senior managers of non-insurance subsidiaries;

　　(4) Risk assessment of non-insurance subsidiaries, including major related party transactions and major internal transactions, outsourcing management, firewall construction and asset-liability ratio of non-financial subsidiaries, etc.;

　　(5) The insurance group’s holding of changes in equity, a non-insurance subsidiary, and the reasons;

　　(six) other matters required by China Banking and Insurance Regulatory Commission.

　　The annual report of the non-insurance subsidiaries of the insurance group shall be submitted by the insurance group company.

　　Chapter VIII Information Disclosure

　　Article 67 An insurance group company shall, in accordance with the requirements of laws, administrative regulations and other regulatory provisions, follow the principles of completeness, accuracy, timeliness and effectiveness, and disclose information in a standardized manner.

　　Article 68 An insurance group company shall, in addition to disclosing its basic information according to the relevant regulatory provisions on information disclosure of insurance institutions, also disclose the basic information of the group as a whole, including:

　　(a) the ownership structure between the insurance group company and its subsidiaries at all levels;

　　(2) Basic information such as the name, registered capital, paid-in capital, shareholding structure and legal representative of the non-insurance subsidiary;

　　(3) Other matters stipulated by China Banking and Insurance Regulatory Commission.

　　Article 69 An insurance group company shall, in addition to disclosing its major events in accordance with the relevant regulatory provisions on information disclosure of insurance institutions, also disclose the following major events that have occurred in the group:

　　(1) Risk events that have a significant impact on the Group;

　　(two) other matters stipulated by China Banking and Insurance Regulatory Commission.　

　　Article 70 An insurance group company shall prepare an annual information disclosure report, which shall at least include the following contents in addition to the company’s annual information disclosed in accordance with the relevant regulatory provisions on information disclosure of insurance institutions:

　　(1) Financial and accounting information under the consolidated caliber of the previous year;

　　(2) solvency information of the previous year;

　　(3) Major internal transactions between consolidated member companies of the insurance group in the previous year, except those that have been disclosed by member companies according to laws, administrative regulations and other regulatory requirements;

　　(4) The overall risk management status of the Group in the previous year;

　　(five) other matters stipulated by China Banking and Insurance Regulatory Commission.

　　Article 71 An insurance group company shall post the basic information, major events and annual information disclosure report of the company and the group as a whole on the company website.

　　If the basic situation changes, the insurance group company shall update it within 10 working days from the date of change.

　　In the event of a major event, the insurance group company shall issue a temporary information disclosure announcement within 15 working days from the date of the event.

　　The annual information disclosure report shall be released before April 30th of each year, unless otherwise stipulated by China Banking and Insurance Regulatory Commission.

　　The disclosure of information related to solvency shall be implemented in accordance with the relevant requirements of the solvency supervision rules of insurance companies.

　　Article 72 Relevant information that has been disclosed by a listed insurance group company in accordance with the information disclosure requirements of listed companies may not be disclosed repeatedly.

　　Chapter IX Supervision and Administration

　　Article 73 On the basis of supervision by a single legal person, China Banking and Insurance Regulatory Commission conducts comprehensive and continuous consolidated supervision on the capital, finance and risks of insurance groups, and identifies, measures, monitors and evaluates the overall risks of insurance groups.

　　Based on consolidated supervision, China Banking and Insurance Regulatory Commission can adopt direct or indirect supervision, and comprehensively monitor the risks of all member companies of insurance groups through insurance group companies or other regulated member companies according to law, and take corresponding measures when necessary.

　　The financial management department shall, in accordance with the division of responsibilities for financial supervision, supervise the insurance group companies and their financial member companies.

　　Article 74 China Banking and Insurance Regulatory Commission follows the principle that substance is more important than form, and determines the scope of consolidated supervision of insurance groups on the basis of control and taking into account the risk correlation.

　　Article 75 An insurance group company and its subsidiaries shall be included in the scope of consolidated supervision.

　　In addition to the circumstances specified in the preceding paragraph, the following institutions invested by insurance group companies shall be included in the scope of consolidated supervision:

　　(1) The risks or losses generated by the invested institution are sufficient to have a significant impact on the financial position and risk level of the insurance group;

　　(2) Other invested institutions established through complicated equity design such as domestic and overseas subsidiaries and shell companies, which are actually controlled by the insurance group or have a significant impact on the operation and management of the institution.

　　Article 76 China Banking and Insurance Regulatory Commission has the right to determine and adjust the scope of consolidated supervision and put forward supervision requirements according to the changes in the ownership structure, risk categories and risk status of insurance group companies.

　　The insurance group company shall report the consolidated scope and management to China Banking and Insurance Regulatory Commission.

　　Article 77 China Banking and Insurance Regulatory Commission may require the following units or individuals to provide materials and information related to the operation, management and financial status of an insurance group company within a specified time limit:

　　(1) A member company of an insurance group;

　　(2) Shareholders and actual controllers of the insurance group company;

　　(3) Directors, supervisors and senior managers of insurance group companies;

　　(four) other units or individuals that China Banking and Insurance Regulatory Commission considers it necessary to provide relevant information.

　　China Banking and Insurance Regulatory Commission can establish a tripartite meeting mechanism with insurance group companies and external auditors to learn about the insurance group’s corporate governance, risk prevention and control, and group management and control.

　　According to the Insurance Law and the relevant provisions of the financial supervision and coordination mechanism, China Banking and Insurance Regulatory Commission can ask the account opening banks, designated commercial banks, asset custody institutions, stock exchanges and securities registration and settlement institutions of the member companies of the insurance group to assist in the investigation.

　　Article 78 An insurance group company shall timely submit financial reports, solvency reports, consolidated supervision reports, reports of non-insurance subsidiaries and other relevant reports and other materials to China Banking and Insurance Regulatory Commission in accordance with relevant regulations.

　　Article 79 In case of major events that affect or may affect the operation and management, financial status, risk control and customer asset safety of an insurance group company, or major changes in the organizational structure, management structure or equity structure of an insurance group company, the insurance group company shall immediately submit a report to China Banking and Insurance Regulatory Commission, explaining the causes, current status, possible impacts and measures to be taken.

　　Article 80 If the capital adequacy level of the financial subsidiaries of an insurance group company fails to meet the requirements of the financial regulatory agency, China Banking and Insurance Regulatory Commission may require the insurance group company to ensure its capital adequacy by means of capital increase. If an insurance group company fails to implement the regulatory requirements, China Banking and Insurance Regulatory Commission can take corresponding measures according to law.

　　Article 81 If an insurance subsidiary of an insurance group company fails to meet the prudential supervision requirements stipulated by the financial regulatory agency, and its business or financial situation deteriorates significantly, China Banking and Insurance Regulatory Commission may require the insurance group company to take effective measures to help it resume its normal operation.

　　Article 82 If a non-insurance subsidiary significantly endangers the safe operation of an insurance group company or its insurance subsidiaries, China Banking and Insurance Regulatory Commission may require the insurance group company to make rectification.

　　Article 83 If the equity investment scope, proportion or equity control level of an insurance group company and its subsidiaries do not meet the regulatory requirements, China Banking and Insurance Regulatory Commission may take corresponding measures according to law.

　　Article 84 China Banking and Insurance Regulatory Commission may, based on the principle of prudential supervision, require insurance group companies to carry out stress tests covering the whole group on their solvency, liquidity and other risks, and take corresponding measures according to the results of the stress tests.

　　Article 85 China Banking and Insurance Regulatory Commission may require an insurance group company to make a recovery and disposal plan according to its asset scale, business complexity and risk status. The recovery plan should ensure the sustainability of the important business of the insurance group in the face of crisis; The disposal plan should avoid the negative impact on the industry caused by the interruption of the operation of the insurance group and minimize the consumption of public capital.

　　Article 86 China Banking and Insurance Regulatory Commission cooperates with other domestic regulatory agencies, shares regulatory information, coordinates regulatory policies and measures, and effectively supervises insurance group member companies to avoid regulatory vacuum and duplication.

　　China Banking and Insurance Regulatory Commission can carry out regulatory cooperation with overseas regulatory agencies by signing cross-border cooperation agreements or other forms, strengthen cross-border regulatory coordination and information sharing, and effectively supervise cross-border insurance groups.

　　Chapter X Supplementary Provisions

　　Article 87 The supervision and management of the merger, division, change, dissolution and business of insurance group companies, as well as the qualifications of relevant personnel, shall be implemented with reference to the relevant provisions of China Banking and Insurance Regulatory Commission on insurance companies.

　　Article 88 These Measures shall apply to foreign insurance companies or foreign insurance group companies that set up insurance group companies as shareholders of insurance companies in China. If there are special provisions in the Regulations on the Administration of Foreign-funded Insurance Companies and its detailed rules for implementation, those provisions shall prevail.

　　These Measures shall apply mutatis mutandis to insurance companies that have direct or indirect control over other insurance enterprises, but do not have the words "insurance group" or "insurance holding" in their names, and the first paragraph of Article 29 shall not apply.

　　Insurance groups recognized as systemically important financial institutions have special regulatory provisions, which shall prevail.

　　Article 89 The management of non-insurance subsidiaries directly or indirectly invested by insurance companies shall refer to the provisions of these Measures on non-insurance subsidiaries.

　　Except for branches of member companies of an insurance group, the unincorporated organizations of an insurance group shall be governed by the provisions of these Measures on member companies of an insurance group.

　　Article 90 The term "control" as mentioned in these Measures refers to the existence of one of the following circumstances:

　　(1) The investor directly or indirectly obtains more than half of the voting shares of the invested enterprise;

　　(2) The investor substantially owns more than half of the voting rights of the invested enterprise by signing agreements or other arrangements with other investors;

　　(3) According to the law or agreement, the investor has the power to actually control the behavior of the invested enterprise;

　　(4) The investor has the right to appoint or remove more than half of the members of the board of directors or other similar authority of the invested enterprise;

　　(five) the investor has more than half of the voting rights in the board of directors of the invested enterprise or other similar authority;

　　(6) Other circumstances under control, including those in accordance with the Accounting Standards for Enterprises No.33 — — The consolidated financial statements constitute a control situation.

　　When two or more investors are qualified to independently lead the decision-making, operation and management activities of the invested enterprise in different aspects, the party that can lead the activities that have the most significant impact on the return of the invested enterprise is regarded as forming control over the invested enterprise.

　　Article 91 The term "above", "at least" and "not less than" as mentioned in these Measures all include this number, and "exceeding" does not include this number.

　　Article 92 These Measures shall be interpreted by China Banking and Insurance Regulatory Commission.

　　Article 93 These Measures shall come into force as of the date of promulgation. The Measures for the Administration of Insurance Group Companies (Trial) issued by the former China Insurance Regulatory Commission (No.29 [2010] of China Insurance Regulatory Commission) shall be abolished at the same time. Where the provisions of the Guidelines for Consolidated Supervision of Insurance Groups (No.96 [2014] of China Insurance Regulatory Commission) are inconsistent with these Measures, these Measures shall prevail.

　　Special toothpaste sold by e-commerce platform (screenshot)

　　Yangcheng Evening News reporter Xue Renzheng correspondent You Hualing Jiang Yun

　　Recently, some parents reported that they bought a so-called "tooth cavity repair toothpaste" online for their children to use when they saw their children with dental caries, hoping to repair their teeth by brushing their teeth. As a result, it backfired. Not only did the tooth decay not be repaired, but it changed from one tooth decay to six.

　　The reporter searched for related products on the e-commerce platform and learned that there are many kinds of special toothpaste similar to "Toothcavity Repair Toothpaste", some of which are advertised as "Repair Toothenamel" and some are labeled as "Inhibition of Helicobacter pylori" and "Probiotic Protection". What is the efficacy of the so-called special toothpaste? How to do oral care correctly in daily life? In this regard, the reporter interviewed experts in stomatology to answer.

　　Buyers show praise, netizens deeply questioned.

　　The reporter searched for related products through the online social platform and found that most netizens held a wait-and-see attitude towards the so-called special toothpaste, especially the "tooth cavity repair toothpaste". Some netizens said that how can a tooth cavity be repaired by toothpaste? Others make it clear that special toothpaste is an "IQ tax product". Some netizens even ridiculed: "If this is useful, isn’t the dentist going to be unemployed?"

　　On the e-commerce platform, the reporter randomly browsed some shops, but found that the product pages of these special-effect toothpastes were written with the slogan "Don’t go to the hospital", "Stay away from tooth holes" and "Just brush them", which was very attractive. In the evaluation area, "buyer show" mostly praised its products for their remarkable efficacy.

　　In the evaluation area of a "Toothpaste for Tooth Cavity Repair" product, more than 100 buyers showed their photos before and after use, and said that the product used very well. Some commented that "the doctor recommended it", while others claimed that "the tooth did not hurt after buying this toothpaste". Some even took photos of their cavities before and after use and commented: "After using for more than one month, the cavities have decreased and the cavities have improved … …”

　　When the reporter asked the customer service of the store about "Tooth Cavity Repair Toothpaste", they all asked about its working principle, but most of the customer service was vague. Some customer service claims that it "permeates the skin directly to the affected area" and keeps silent about the effect of tooth repair; Some only emphasize that products contain "patented active ingredients".

　　Failure to repair a tooth cavity is harmful or worse.

　　"At present, there is only toothpaste that can reduce or prevent dental caries, and there is no toothpaste that can repair dental caries. It is not credible to brush teeth and fill cavities." Lu Haibin, deputy chief physician of the Department of Stomatology of the Fifth Affiliated Hospital of Southern Medical University, said that the cleaning and repairing of dental caries is a delicate process.

　　The reporter learned that in the treatment of mild dental caries, doctors will use a turbine dental drill to grind away the decayed tissue and prepare it into a special hole shape. After cleaning, the pulp was specially protected and the hole was filled with polymer resin. After the filling resin is cured, the turbine is used to finely adjust the shape.

　　If there is serious dental caries, it will affect the nerves inside the teeth and cause pulpitis. In this case, it is necessary to remove the putrefaction mechanically, kill the nerves with drugs, and carry out anti-inflammatory treatment and root canal treatment. Only after repeated dressing changes can the damaged teeth be filled with resin to restore the tooth shape.

　　"In the process of treating dental caries, doctors will pay special attention to it. On the one hand, cleaning the decayed tissue should ensure that the tissue is completely removed, on the other hand, the oral cavity should be protected during the cleaning process to prevent saliva pollution." Lu Haibin said that toothpaste can only produce some foam, which plays a friction role in the process of brushing teeth, and it is impossible to effectively clean decayed tissues.

　　In repairing and filling, the so-called "tooth cavity repairing toothpaste" is also difficult to work. "Toothpaste can only act on the superficial parts of teeth, even if the so-called ‘ Repair toothpaste ’ When materials that can form hydroxyapatite crystals are used, a similar protective layer will not be formed within a short time after brushing your teeth. Generally, they will be dissolved in water and taken away when gargling. " Lu Haibin said.

　　"Whether it is cleaning or filling, the feasibility of repairing through some toothpaste is very low." Shao Ling, an attending physician in the Department of Stomatology, the Third Affiliated Hospital of Southern Medical University, said, "Not only is the treatment effect difficult to guarantee, but it is also possible to cover and fill the decayed tissue when it is not completely cleaned up, and the bacteria will be trapped in the teeth, which will lead to further decay in the teeth and even cause pulpitis."

　　Sales rely on gimmick experts to be busy with science popularization.

　　The reporter learned from the store monster data platform that the sales of various special toothpaste on an e-commerce platform are considerable. Among them, the daily sales of toothpaste with the selling point of "inhibiting Helicobacter pylori" is more than 10,000, the daily sales of toothpaste with the selling point of "repairing" is more than 80,000, and the daily sales of toothpaste with the banner of "probiotics" is more than 340,000. The total sales of these three kinds of special toothpaste account for about 1/4 of the total daily sales of toothpaste.

　　Do these special toothpaste really have special functions? The expert gave a negative answer.

　　"There is no medicine toothpaste that can prevent or kill Helicobacter pylori." Lu Haibin bluntly said that the treatment of Helicobacter pylori requires systematic and standardized use of antibiotics, which is almost impossible to kill in the oral cavity, and the treatment of Helicobacter pylori is mainly in the digestive tract such as the stomach and intestines. The stomatology department mainly plays an auxiliary role in the treatment of this kind of bacteria, and the role of this kind of toothpaste is not credible.

　　"It is also unrealistic to use toothpaste to repair enamel." Lu Haibin said that if the enamel has been damaged, it needs to be repaired with materials such as resin according to the degree of damage, and toothpaste can only play a preventive role.

　　"It is only theoretically possible for toothpaste probiotics to regulate oral colonies." Shao Ling introduced that when there are no symptoms such as inflammation in the mouth, most of the internal colonies are beneficial colonies in a balanced state, and it is not recommended to use special toothpaste to destroy the internal balance of the mouth. If the oral cavity has been diseased, you should seek medical advice as soon as possible, and use mouthwash or medicine according to the doctor’s advice. It is unrealistic to treat the disease with toothpaste.

　　Brushing teeth is very important, and prevention is the key.

　　"The most important thing to protect your teeth is to brush your teeth." Shao Ling said that the bacteria that produce tooth decay are mostly anaerobic bacteria, which will give bacteria a good breeding environment after closing their mouths. Brushing your teeth in the morning and evening can clean up the food residues in your mouth and reduce the growth of bacteria. "It is recommended to use ‘ Pap brushing ’ Method, choose a soft-haired toothbrush, and point the toothbrush and the long axis of the tooth at 45 to the apical direction for cleaning. " She added.

　　"The selection of toothpaste is recommended to use fluoride toothpaste." Lu Haibin believes that fluoride has an inhibitory effect on acid-producing bacteria, which can directly inhibit the bacteria in dental plaque, inhibit the production of intracellular and extracellular polysaccharides of Streptococcus cariogenes, and affect the growth and reproduction of bacteria. Fluorine also plays an important role in inhibiting the formation of dental surface film and plaque growth. Fluorine ions exchange with hydroxyl ions in enamel hydroxyapatite to form fluorapatite, which will strengthen the structure of enamel and reduce its solubility, thus enhancing the anti-caries ability of teeth.

　　"Children under 6 years old are recommended to use fluoride-free toothpaste for children because of their poor swallowing reflex." Lu Haibin said.

　　"As long as you pay attention to oral health in your daily life, you don’t have to worry too much about yellow teeth." Lu Haibin introduced that the tooth surface has a multi-layer structure, the first layer of enamel is white, and the second layer of dentin itself is pale yellow.

　　He said: "If there are not dental calculus in the mouth, or pigmentation caused by smoking and drinking tea, there is no need to ‘ Yellow teeth ’ Too much care, most healthy teeth are pale yellow. "

1905 movie network news　On the afternoon of 16th, director Bi Gan attended the "Everybody Talk" Salon in Zhihu, and had a talk with Zhang Yueran and Bai Bangni on the concept of love, movies and other issues. In the questioning session, Bi Gan responded to the marketing of his film The Last Night of the Earth, saying: "My colleagues in Xuanfa don’t steal, rob or kneel down, but do one thing by their own ability and knowledge. I don’t think they are at fault."

　

The Last Night on Earth is a dream trip about a middle-aged man returning to his hometown in Guizhou to find his lover 12 years ago. At the scene, Bi Gan shared the warmth and dream of the film with writer Zhang Yueran and screenwriter Bai Bangni, and discussed the concept of love and the love appearance of the two creators from the female perspective.

　

They said that the film is divided into two parts, the first part is the pursuit, and the second part is the dream. "Those who abandon you and are not sure whether they love you or not will eventually come back to you in another form." Bi Gan revealed that compared with the original script, the ending of the film is warmer and more optimistic, and there are many improvisations.

　

As of the evening of December 16th, the pre-sale of "The Last Night of the Earth" has exceeded 50 million, and its purchase was made at 9: 40 pm on the 31st. At the end of the movie, the online marketing of "One Kiss for the New Year" also made it hard to get a ticket at this time. At the scene, an audience asked Bi Gan how he viewed this marketing, and whether he was worried that the audience in non-first-tier cities would find it inconsistent with expectations after reading it.

　

Bi Gan asked, "Should cities in the second, third, fourth and fifth lines watch movies of that kind?"? I never thought so. In his view, this "New Year’s marketing" is "an interesting moment, which has never happened before and may not happen again in the future."

　

When talking about what his propaganda team did, Bi Gan expressed his strong support: "My propaganda colleagues don’t steal, rob or kneel down, and rely on their own ability and knowledge to do one thing. I don’t think they have any mistakes. I respect them very much. They are all people I admire very much, just like the people who made movies with me. They use their own way, which I think is a kind of fate. I really don’t know that they have such ability to make more people empathize. If they have such ability, other publicity companies have already done it, why not? Fate hasn’t come yet. Now there’s an art film that has a sudden empathy with the public, and everyone should enjoy it at this moment. Of course I know the result. Maybe people don’t understand it, maybe they don’t like it, but what kind of movies do they like? We haven’t chosen yet, and we can have one more chance when we have no choice. "

In 2015, a professor from China Normal University found microplastics in our salt;

In 2017, microplastics was detected in bottled water, and only one brand among many tested brands was not found;

In 2018, as many as 9 kinds of microplastics were detected in human feces for the first time …

It turns out that each of us lives surrounded by marine garbage and other out-of-control garbage!

There is so much marine garbage that we can no longer turn a blind eye to it.

In the distance, the garbage patch in the North Pacific is so big that someone wants to apply for establishing a country to join the United Nations.

Nearby, as long as we leave the city and go to the fields,

You can see the garbage at the head of the ditch. As long as there is a river,

It has a chance to travel long distances into the ocean.

The sea is always impartial. If you care for it, it will give you a deep blue.

You throw rubbish at it, and it returns you to the pervasive microplastics.

Welcome to discuss where the marine garbage comes from and where it should go!

Topic of this issue

Chairman of Shanghai Rendu Marine Public Welfare Development CenterLiu yonglong

Graduated from Fudan University in 1997, resigned as a state-owned enterprise and has been engaged in the investigation and treatment of marine garbage.Where does the marine garbage come from? How to govern? What is the annual variation law of marine garbage? Which enterprises or individuals are the chief culprits of these rubbish?Welcome questions.

▍What is microplastics?

Q: How much garbage is there in the ocean?

Liu Yonglong:"There are more than 5 trillion pieces of plastic products floating in the ocean", "About 8 million tons of garbage belongs to the ocean every year" and "More than 20 million tons of waste plastics are directly discarded without treatment and eventually enter the ocean"-we can see the answers to this question from different angles, but no one can make it clear, because it is impossible for us to fish up the garbage in the ocean, weigh it or count it one by one.

Q: Is there more domestic garbage or industrial garbage in marine garbage? What are the main things of industrial waste?

Liu Yonglong:At the stage of marine garbage, it seems that industrial garbage and domestic garbage can’t be distinguished. We can only identify a few plastic bags and shoes, and we can barely identify some brands of garbage (about 11%), but we can’t tell which ones are industrial garbage.

Q: What is microplastics?

Liu Yonglong: According to the "Research Report on Some Typical Beach Garbage Monitoring in China (2017)" to be released by Shanghai Rendu Marine Public Welfare Development Center, microplastics can be roughly understood as follows:

Plastic garbage is gradually broken into plastic fragments in the marine environment. Due to long-term physical and chemical effects in the environment, such as weathering, solar radiation (photodegradation, embrittlement) or waves, these fragments will be cracked into plastic fragments or particles with a diameter less than 1cm or even lower. When the diameter is less than 5mm, it can be defined as marine microplastics.

From the genetic point of view, microplastics in marine environment can be divided into primary microplastics and secondary microplastics. Primary microplastics refers to small-sized plastic particles that are prepared into micron-sized particles at the beginning of industrial production, such as plastic beads added in industrial resin raw materials, toothpaste and cosmetics. Secondary microplastics refers to plastic particles which are cracked by large plastic fragments exposed to the environment (wind, waves, ultraviolet rays or from tire wear or clothing fibers). For example, discarded fishing lines can be cracked into ocean microplastics in the ocean. And microfibers from washing clothes.

Q: What are the hazards of those people who finally arrive in microplastics? And whether microplastics in water can be removed by the existing technology?

Liu Yonglong:At present, there is little research on microplastics’s harm to human body, probably because of ethical issues and so on, and the conclusion is not clear. However, I have seen information that it is harmful to people’s immune system, because plastics can absorb toxic substances such as POPS in water and release them into the human body, and plastics themselves will release some substances. It is possible to remove microplastics in the prior art, but the cost is hard to estimate. On the one hand, the ecological cost will remove microorganisms while removing microplastics; On the one hand, the economic cost is so great that no one can try it. Therefore, to solve the problem, it is still at the source of the problem or not far from the source.

Q: Petrochemical industry ~ microplastics ~ Plasticizer, oil is the culprit?

Liu Yonglong:I quite agree with your perspective. My point is that our mineral products are so cheap that we can take out so much oil and coal to produce plastics, especially so many disposable plastics, and we can’t cherish the use of resources. If oil and coal are more expensive, we will choose to produce more durable things instead of cheap and short-lived products.

▍ Making and Discarding Garbage, China No.1

Q: Where does marine garbage come from? Which parties caused it?

Liu Yonglong:There is only one party, that is, people, and it is a specific person. However, who is this specific person? It can’t be traced unless she/he is caught throwing garbage at the seaside. We can reflect on ourselves. Am I one of them? Did I throw away the garbage somewhere?

Generally speaking, marine garbage has two sources: land source and sea source. According to experts’ estimation, 80% of the land resources and 20% of the sea resources are the 28 th rule again! 🙁

Another German scholar has studied that 15 great rivers have made great contributions and carried a lot of garbage into the sea. We have the Yangtze River, the Yellow River, the Pearl River and Heilongjiang in China … There are also studies, and China is marine garbage NO.1 There are many people and strength, and making and discarding garbage is also a big brother: (

Q: What kind of garbage does Haiyuan refer to?

Liu Yonglong:A large number of fishing gear such as plastic buoys used in offshore aquaculture will be lost, and the offshore fishing industry will discard a large number of broken fishing nets. The shipping industry may directly discard the domestic garbage on board into the sea; Submarine cables may be damaged and abandoned; The construction and operation of drilling platform will produce domestic garbage and production garbage; Tsunamis, typhoons, etc. destroy coastal communities and produce a lot of various kinds of garbage …

Q: Apart from offshore operations, is there any dumping in the United States?

Liu Yonglong:The sources of marine garbage include offshore operations and dumping in the United States. However, 80% of marine garbage comes from land and is mainly carried by rivers. It is said that among the 8 million tons of garbage entering the sea every year, China contributes NO.1, and the Yangtze River contributes NO.1 to 15 rivers. We are not happy when others talk about China, so we talk about the United States in a confrontational way. Will it help solve the problem? It’s not Chinese or Americans who spoil the earth and self-destruct the foundation of existence, it’s people! On environmental issues, we must jump out of national boundaries, see the common destiny and reflect on ourselves.

Q: How much of the marine garbage can be recycled?

Liu Yonglong:How many? The answer should be a number. However, how did you get this figure? We can’t give a figure for the total amount of garbage in the ocean, so we can’t answer this question accurately. The recycling of marine garbage is more difficult. The collection, classification, transportation and cleaning … all need financial support. Can the final income make up for this cost? My judgment is impossible. According to recycling experts, 97% of garbage can be recycled, and this figure can be used for reference on the premise that there are no technical and economic obstacles.

Q: The garbage in the express delivery industry is amazing. There is a lot of plastic garbage attached to it. What can be done to change it?

Liu Yonglong:My personal way to change is to basically not purchase online and try to purchase in a physical store.

Some people are trying to optimize the technology and equipment of express delivery and reduce the use of plastic and plastic belts. Technical problems, technical cows are trying to solve them.

▍ Reduce garbage manufacturing from the source.

Q: How to treat marine garbage? What should I do after collecting and picking up? I think it is not only marine garbage, but also how to deal with domestic garbage at ordinary times. This year, I saw garbage sorting buckets and publicity in the community, but I don’t know how the effect is. My old mobile phones and computers are kept at home, and I don’t know what to do with them.

Liu Yonglong:When we talk about marine garbage treatment, we mean that the whole society should participate in dealing with the problem of marine garbage together and establish a system for marine garbage treatment. This governance is not the same as the governance of the Yellow River we talked about before. For the treatment of marine garbage, we have put forward a framework diagram of the treatment system. Please refer to the upcoming Monitoring and Research Report on Some Typical Beach Garbage in China (2017).

After collecting and picking up, we will ask the sanitation to transport it away, so that the garbage can return to the conventional disposal channels. We are also trying to hand over the recyclable garbage such as plastic bottles and cans to the waste recycling station for recycling.

As for the classification of community garbage, we can take part in it, so as to follow up and experience it. Only by participating in social change can we promote social change. Just watching and waiting for social change, I am afraid we have no sense of accomplishment.

Q: What is the general scope of marine garbage treatment? Who will be responsible for the scope beyond the sea and beyond?

Liu Yonglong:At present, there is no person in charge of marine garbage in the offshore, only some commercial beaches, and there will be businesses that operate bathing places, hotels and docks to clean them up. Far away, especially on the high seas, there is no government or commercial organization responsible. However, there is a Dutch foundation called cleanupocean, which is determined to clean up half of the garbage in the Pacific Ocean. Personally, I am not very optimistic, but I have not fully understood how they are going to achieve it. I will share it after I study it:)

Q: At present, are there any substantive clean-up measures for marine pollution by the relevant organizations of marine protection in the world?

Liu Yonglong:Yes! On the third Saturday of September every year, it is International Beach Cleanup Day (ICC). ICC coordinators from nearly 150 countries and regions around the world organize local ICC activities to carry out clean-up activities on beaches, sea surfaces and seabed to substantially clean up marine debris. My institution, Shanghai Rendu Ocean Public Welfare Development Center, is the ICC coordinator in Chinese mainland. Since 2015, every year, ICC Day and Ocean Day (June 8) will organize nationwide joint actions to clean up beaches.

Finally, I want to say that marine garbage can’t be solved by cleaning up. We believe that we must reduce the production of garbage by controlling consumption.

Q: Is there any special fund for treating marine garbage?

Liu Yonglong:The responsibility to control marine garbage is broken down in many departments and supported by some funds, but as a non-governmental organization, we can’t get special funds from the government finance, which is the case at present.

Q: What specific laws and policies are there to regulate the treatment of marine plastic waste in China? Should specific and clear plastic management regulations be issued to deal with plastic waste pollution? If so, what is the focus of the regulations?

Liu Yonglong:There is no law to deal with the problem of marine plastic waste treatment directly. Plastic waste pollution, as a problem, has not been specified and has not become the goal of law. Corresponding laws should be promulgated. Personally, I would expect the law to focus on controlling the use of plastics, increasing the cost of plastic use, and reducing the use of plastics to a reasonable position through market mechanisms to avoid unnecessary use of plastics.

Q: As an ordinary person, is there any practical way to help reduce marine garbage?

Liu Yonglong:Yes! First of all, make sure that all your garbage is thrown into the trash can, and it will not become out of control and will not fall on the streets, fields and beaches; Secondly, when you see out-of-control garbage, you might as well pick it up and throw it into the trash can; Once again, when you see someone throwing away garbage or leaving it behind, remind them to pick it up and throw it into the trash can; Further, control consumption and reduce the production of garbage.

　　Geophysics, Paleontology, Forensic Medicine, Archaeology … … Every graduation season, the employment and internship places of these "high-cold" majors have become hot topics on the Internet. The archaeological major, which has always brought its own mysterious aura, has also made many followers curious: do you want to learn to read a compass when studying archaeology? Have you ever met a thousand-year-old incorruptible body in a tomb-robbing novel … … Zhou Li, a graduate student of the Department of Archaeology of Sichuan University, is currently working as an intern in Chengdu Institute of Cultural Relics and Archaeology (hereinafter referred to as "Chengdu Archaeological Institute"). When she heard the questions of these "amateur archaeologists", she covered her mouth and laughed. "When dealing with archaeology, there is freshness and expectation every day. Because, you don’t know what treasure you will dig today! " Participating in the Project: Baodun Site in Xinjin

　　Explore the hole during the day and keep a diary at night.

　　Zhou Li, 23, is already a "senior" intern. Speaking of the first time I went out to the construction site with the brothers of the archaeological team, Zhou Li described the taste as "five flavors" after some aftertaste. At that time, Zhou Li and other students participated in the field archaeological work of Baodun Site in Xinjin as interns. For the first time, Zhou Li went from theoretical textbooks to real actual combat. Like everyone else, Zhou Li was both novel and excited, carrying Luoyang shovel, and she was going to team up to dig for treasures. In the vision of Zhou Li and his party, "the exploration party at the archaeological site has been dug. When we arrive, we will go directly to the exploration party and start excavating cultural relics." The fact is, after the brother who led the way left a sentence "This is it", everyone was at a loss. Zhou Li looked around and saw a paddy field crop. Where is the agent? "Brother told us that the task of the first day of internship was to probe the hole with a shovel in this crop field, and then determine the approximate position of the probe."

　　The so-called probing hole is to use a shovel to probe the soil layer. The shovel pokes hard into the ground, and the deepest one can reach two or three meters underground. After the shovel is put forward, it will bring out the soil. "Through the information of the soil layer, you can know whether there is a cultural accumulation layer underground. Experienced archaeologists rely on the soil layer to show ‘ Information ’ Basically, cultural relics can be determined. " Zhou Li described reading soil information as "making the soil speak". This work can be said to be a double test of physical strength and experience. "We took a shovel and poked around in the fields, blowing the wind in winter, and our mood was like riding a roller coaster, from excitement to confusion. Not only that, at the end of the day, the whole person is tired ‘ Dog ’ 。” However, the first day’s internship is far from over. According to the requirements of the archaeological teacher, after completing the field work, I have to write a diary of exploration on the same day. Like the first field archaeology, the exploration diary is something that interns have never been exposed to in textbooks before. "The students sat together at 8 o’clock in the evening to discuss how to write a diary and play their respective roles. Some are lyrical, some keep a running account, and they have been busy until 12 o’clock in the evening before finally stumbling through their reports. Showing it to the teachers the next day is naturally a variety of unprofessional jokes. " For these "new recruits" who are out in the wild for the first time,The whole three-month internship period was spent in the local area.

　　Participating in the Project: Tomb Groups in Chengdu during the Warring States Period.

　　Check back and forth thousands of square meters of construction sites.

　　This summer vacation, Zhou Li once again came to Chengdu Archaeological Institute as an intern. This time, the archaeological site she was sent to was a tomb group in the Warring States period in Baishou Road, Chengdu. Zhou Li’s internship site this time is an ancient tomb group, and some non-archaeological friends around her can’t stop asking curiously: "Is there a body that hasn’t rotted for thousands of years in that ancient tomb?" Talking about the poisoning phenomenon of my friends’ Ghost Blowing Lights, Zhou Li laughed heartily. "I have only touched the remains of a thousand years, but I have never seen a corpse that does not rot for a thousand years."

　　Most girls of the same age talk about ancient tombs, which are somewhat timid. When Zhou Li talks about this tomb group in the Warring States period, she is excited. "This is my first contact with tombs, and it is a large-scale tomb group in the Warring States period! When I came to practice this year, I was delighted to hear that the teacher of the Archaeological Institute arranged for me to practice at this site. I can learn the steps of tomb excavation, and if I’m lucky, I may have a chance to see how the remains are restored … …” Zhou Li talked cheerfully about the possible "adventures" in the excavation of ancient tombs. For her "female man" side, Zhou Li was a little embarrassed to explain, "After all, I am in contact with this major. It is normal to touch the remains with my own hands, and it will be a bit ‘ Female man ’ Yes. "

　　Zhou Li said that this tomb group of the Warring States period began to be excavated at the end of last year, and the current excavation area is about four or five thousand square meters. In this internship, Zhou Li has the ability to stand alone. "At the beginning of the internship, each of our interns was only responsible for the exploration of their own. This time it’s different. When thousands of square meters of construction sites are busy, I have to check back and forth for each agent. "

　　What were the tombs like during the Warring States Period? Is there a deep and narrow tunnel? Regarding the reporter’s curiosity, Zhou Li explained, "The design of the tunnel outside the tomb was a tomb culture that began to appear in the Han Dynasty. In the tombs of the Warring States period, wooden boards or coffins were placed directly in the tomb pit." A few simple words of archaeological science can show that Zhou Li has gained a lot in this internship.

　　notes written by a director or actor in preparing for a performance

　　Using "scraps of paper" to make a line drawing of objects

　　It was still raining cats and dogs in Chengdu on July 6th, and it was impossible to go to the archaeological site in this weather — — In the field of archaeology, the archaeological site being excavated is called "construction site" in the jargon. The days when you don’t go to the construction site don’t mean that today will be easy. As an intern, even if Zhou Li can’t go to the construction site that day, she still needs to appear at Chengdu Archaeological Institute on time at 9:30 in the morning to start data sorting. "Desk sorting is a very important fine work, and all the information on the archaeological site needs to be clearly reflected in the materials. What I’m doing now is a line diagram of objects. Look at my little note on the table. I don’t know it. I thought it was all waste paper scraps. In fact, these things are very important. " On Zhou Li’s desk, rows of small pieces of paper cut into two or three centimeters were neatly placed. I picked up a piece of paper and looked closely. I saw all kinds of round or flat shapes and patterns painted on it, and some different codes and numbers were written under the patterns. Zhou Li explained, "This pattern is a face jar unearthed from Baodun site, and the bottom is marked H5: 1. H5 means that this face jar was unearthed in No.5 ash pit, and the object number is No.1." It turned out that these pieces of paper were all related materials excavated in the ancient ruins such as Baodun Site, and different cultural relics were unearthed in different strata. What Zhou Li did was to cut out all the cultural relics unearthed in each stratum in the exploration area, and then stick them on paper one by one according to the order of accumulation layers at the time of excavation.Make a map of objects. In the face of such trivial and meticulous finishing work, Zhou Li hummed a ditty and did it with great interest. The reason she gave was: "Because I like archaeology, even if things are hard and tired, the experience is ‘ Pain and happiness ’ " .

　　Experience in practice

　　Archaeological research is like solving crimes by criminal police.

　　At first, Zhou Li’s major in university was actually the history department. When she was a freshman last semester, Zhou Li listened in on several courses of the archaeology department, and her obsession with archaeology became out of control, so she turned from the history department to the archaeology department.

　　Despite the hard work of archaeology, Zhou Li is still full of energy. "In the past, we just watched other archaeologists unearth one piece of unearthed cultural relics. In the days of internship, after I really unearthed a cultural relic, the sense of accomplishment of participating in history came to life, not to mention how great it was!"

　　In Zhou Li’s words, archaeological research is like criminal police solving a case. "At the archaeological site, we see the scene, the remains after the behavior, and what we want to pursue is the behavior process and the complex cause. The pottery pieces, stone tools and bones in the stratum are all social ‘ Incoming words ’ Evidence of. What they say ‘ Words ’ From the moment it was excavated, it was in my hands and eyes and needed a little interpretation. " With the deepening of archaeological excavation of this tomb group during the Warring States period, like everyone else, Zhou Li became more and more curious about the identity of the tomb owner. Who is the tomb owner? What kind of past? What is his relationship with the owners of these tombs around him … … The answers to these questions are inextricably linked with the unearthed cultural relics. "So, whenever I think about these questions and hold the unearthed objects in the tomb, I will always mobilize all the knowledge radar to interpret them, and judge the social class of the tomb owner through the information such as the ornamentation and exquisiteness of the buried objects, so that the buried cultural relics can be ‘ Speak ’ 。” Zhou Li described the experience of being an archaeological intern as being fresh every day, "because you don’t know what treasures will be dug up today!" "

　　■ Tianfu Morning Post reporter Zheng Qi photographed Li Guodong (some pictures were provided by the respondents)

　　■ "Wonderful" major

　　Golf management major

　　As early as 1997, Shenzhen University established the Golf College, offering golf management, golf venue management, golf sports and training and other related majors. Subsequently, Shenzhen Tourism College of Jinan University, Beijing Forestry University, Tongji University, Guangzhou University and other universities have also set up golf-related majors.

　　Funeral management specialty

　　There are two major disciplines in the Department of Funeral in changsha social work college, namely, modern funeral technology and management and cemetery design. Among them, there are three disciplines under the direction of modern funeral technology and management, namely, funeral service, funeral equipment and anti-corrosion and cosmetic surgery.

　　Lottery research major

　　The National Lottery Development Research Institute of Beijing Normal University was established in 2012, but there are few students. In the enrollment brochure of "Master of Public Administration in 2015" of National Lottery Development Research Institute of Beijing Normal University, there is no previous lottery management direction.

　　Horse science major

　　In 2011, Qingdao Agricultural University set up animal science (horse science major), which covers horse production management, horse nutrition and feed, horse breeding and reproduction, horse training and nursing, equestrian foundation and so on.

　　Marijuana cultivation specialty

　　One of the earliest cannabis cultivation majors in the world has been set up at the University of Ochstein in California.

　　Horror film research major

　　The University of Derby in England has set up a new master’s degree specializing in thriller movies, which can well satisfy some people’s preferences. The courses of this major include a series of topics such as ghosts, murders and vampires.

　　International housekeeper major

　　In 2006, Wuhan Vocational College of Commerce and Trade took the lead in setting up "International Butler Major" in universities across the country.

Tel: Manager Gao 15022084111 (same as WeChat)

There are two exhaust pipes on both sides of the rebel 1500 pickup truck, which are full of domineering, allowing the sound of the 5.7 V8 engine to be output at will. Having a rebel and buying an RV to drag you around can let you take your family to find poetry and the distance. It is not so much a miniature version of Tyrannosaurus Dodge as a brother of Tyrannosaurus Rex, because many designs of Tyrannosaurus Rex originated from rebels.

　　Basic configuration: 3.92 rear axle ratio 7-inch Rebel theme color driving computer central control 5: 00 touch screen (UConnect 3) 115 V power interface LED fog light LED headlights with black border LED taillight glove box light black badge black tailgate badge Rebel badge black bottom two-color paint/fender black powder coating front and rear bumpers black grille black exterior rearview mirror: heating, Electric folding electronic time-sharing shift transfer box rear differential lock Bilstein? performance shock absorption sports performance hood full-length floor center console front collision warning with active braking steep slope descent cross-country rubber mat leather bucket seat electric main driver 8-way, with 2-way lumbar support electric sliding rear window skid plate (transfer box, steering system, front suspension, fuel tank) leather door trim plate towing hook 18-inch black aluminum wheel, 275/70 R18 four-season tire.

　　First-class package configuration: front heating seat heating steering wheel electric adjustable pedal Rear ceiling lamp Rear window defroster with lighting cosmetic mirror Sun visor 8.4-inch touch screen supports Apple Carplay universal garage to open night bag configuration: ?18×8-inch bright black wheel hub black front bumper black air intake grille Tel: Manager Gao 15022084111 (same as WeChat)

　　If T-Rex Dodge Ram is responsible for the sales of its series, it must make a great contribution to its predecessor Ram Rebel! Because many design concepts of Tyrannosaurus Rex are based on the essence of rebels.

　　Many card friends are unfamiliar with rebels. In fact, it is not a new model. It was introduced in China as early as 2017. Later, we stopped introducing it for various reasons. At present, the new model has arrived in the store. The rebel’s appearance is very domineering, and the huge logo shows its powerful performance. The steel front sand guard and 18-inch off-road wheels below with the original off-road tires remind us that it is born for off-road.

　　The design of the interior is very family-oriented, and the layout of various function buttons is exactly the same as that of the same brand’s horn and sports version. The electronic knob handle and the 12-storage vertical screen navigation screen are very scientific and technological.

　　Our advantage: vehicles can enjoy national warranty, warranty, replacement and return. We have many years of successful experience in customer service and provide you with the best solution that suits you. Every car we provide for you has undergone strict PDI inspection, and there is a quality guarantee that can reassure you after sale. We provide you with original and pure accessories and efficient and high-quality maintenance services. The most advanced technology and equipment, all-round quality service and high-quality staff. All models sold in our shop are regular brand-new commercial vehicles. You can enjoy the national three guarantees policy. And can be maintained in a regular 4S shop authorized by any manufacturer in the country and after maintenance. On the day of car purchase, the company can issue all vehicle procedures (customs clearance). Commodity inspection Invoice. Certificate of approval. Certificate of conformity. Vehicle information table. Vehicle instruction manual. Three packs of classes. Maintenance cards, etc.) to ensure that all foreign customers can settle down locally.

　　Company name: Tianjin Xiangruitong Automobile Sales & Service Co., Ltd. (Binhai Branch)

　　Company Address: Tianjin Binhai New Area Bonded Zone International Automobile City

　　Tel: Manager Gao 15022084111 (same as WeChat)

　　Disclaimer: The above car purchase preferential information is provided by the comprehensive dealers of this website, and the price fluctuates greatly due to market factors, which is only for car purchase reference; The distributor is responsible for its authenticity, accuracy and legality, and this website does not provide any guarantee or assume any legal responsibility.

　　On November 12th, Red Star journalists from Xianning, Hubei Province "14-year-old girl was forced ‘ Prostitution ’ " The family of the victim was informed that recently, the local court has made a judgment on the case. The defendant Fu Qiuquan was convicted of rape and sentenced to 7 years in prison. Fu Qiuquan and others compensated the victims for various economic losses of more than 324,000 yuan.

　　According to Red Star News, on April 30, 2019, Fu Qiuquan, a 55-year-old businessman in Xianning City, Hubei Province, had forced sexual relations with Li Fang (a pseudonym), who was 14 years old and coerced.

　　Behind this, it is a complete illegal "buying place" chain composed of multi-layer middlemen, "clients" and victims.

　　The People’s Court of Xian ‘an District of Xianning City said in the first-instance judgment that it was found through trial that in 2018, after meeting Lu Yu, a woman who runs a bar in Xianning, Fu Qiuquan repeatedly said that he was willing to pay a high price to find a virgin to "buy a place" for transshipment because his business was not smooth.

　　After Lu Yu and his employee Lareina C cheated the victim Li Fang out of his home through layers of relationships, and then restricted Li Fang’s personal freedom, and asked Li Fang to "engage in prostitution" through repeated "persuasion" and coercion.

　　↑ The court found through trial that the victim was coerced and induced by many people.

　　On the night of the murder, Fu Qiuquan forced sexual relations with Li Fang while Li Fang was nervous, crying and resisting. That night, Fu Qiuquan paid Lareina C 8000 yuan in two installments. This 8000 yuan was divided by Lareina C and others, and Li Fang did not score.

　　During the trial of the case, after judicial appraisal, Li Fang met the diagnostic criteria of "post-traumatic stress disorder", and his social function was obviously damaged, and his disability grade was rated as Grade 10.

　　Li Fang’s family told Red Star News that after the incident, Li Fang suffered from mental illness and has been receiving medication. "In recent years, it has cost more than 20,000 yuan to see a doctor, stay in hospital and buy medicine."

　　In August 2020, the People’s Court of Xian ‘an District of Xianning City made a criminal judgment on the case of Lareina C and Lu Yu introducing prostitution. The court said in the judgment that Lareina C and Lu Yu constituted the crime of introducing prostitution, and both of them could be given a lighter punishment according to law because they pleaded guilty.Lareina C was sentenced to 1 year and 6 months in prison and fined 7,000 yuan. Lu Yu was sentenced to 1 year and 4 months in prison and fined 5,000 yuan..

　　Recently, Fu Qiuquan’s case of committing rape has also reached a verdict. The contents of the verdict of the People’s Court of Xian ‘an District, Xianning City obtained by the Red Star journalist show that during the trial, Fu Qiuquan argued that the victim had sex with him voluntarily, and he did not commit coercion, which did not constitute rape.

　　In this regard, the Xian’ an District Court stated that after seeing the victim, Fu Qiuquan found that the victim was immature, thin, nervous and unhappy, and very young. He did not voluntarily "sell the place" and still forced to have sex with the victim. He continued to commit sexual assault when the victim cried and resisted because of pain, which obviously violated the will of the victim, and his behavior constituted rape.

　　↑ The court said that Fu Qiuquan’s sexual assault clearly violated the will of the victim.

　　The Xian ‘an District Court also stated that Fu Qiuquan should be severely punished for raping a minor victim and causing the victim to suffer from post-traumatic stress disorder and grade 10 disability.Fu Qiuquan was sentenced to 7 years in prison for rape..

　　↑ Fu Qiuquan was sentenced to 7 years in prison for committing rape.

　　The Red Star journalist also noticed that the victim’s family filed an incidental civil lawsuit.

　　In the judgment, the Xian ‘an District Court mentioned that the victim in this case, as a minor with immature mind, had weak self-regulation and self-repair ability. After being infringed, he was repeatedly admitted to a specialized hospital for treatment due to depression and negative thoughts. It can be concluded that Fu Qiuquan and others’ infringement behavior caused serious mental damage to the victim.

　　"Combined with the principle of priority and special protection for minors, our court believes that this case can be considered as a special case that meets the conditions of compensation for mental losses in incidental civil proceedings." At the same time, the court made an incidental civil judgment,Fu Qiuquan, Lu Yu and Lareina C were ordered to compensate the victims for various economic losses of more than 324,000 yuan..

　　　　　　 CCTV News:The 2nd Consumer Expo officially opened today (July 25th) in Haikou City, Hainan Province, with more than 2,800 brands of goods from home and abroad gathered in an exhibition area of 100,000 square meters. The holding of the Expo has added another impetus to Hainan’s tourism consumption.

After the first Consumer Expo was held, many exhibitors increased their business development in Hainan, and new brands were constantly set up in Hainan, which not only enriched duty-free goods, but also brought about sales growth.

In a duty-free city in Haikou City, Hainan Province, the reporter saw that many consumers were choosing perfume, cosmetics, skin care products and other commodities. Many of these consumers are old customers.

The person in charge told the reporter that nearly 500 international brands have been introduced in the exhibition area of more than 20,000 square meters in this duty-free city. Even so, since this year, more brands are optimistic about the consumer market in China and are interested in entering.

Zhan Xingzhou, President of Shenzhen Duty Free Group:Consumer Expo is like the "engine" of tourism consumption and the "highway" to promote the development of tax-free enterprises. Last year, we attended the first Expo. Over the past year, our sales in Hainan increased by 120% year-on-year, and the number of customers increased by four times, exceeding one million.

In another duty-free city in Sanya, Hainan, the charm of duty-free goods attracts tourists from all over the country. The data shows that last year, the sales of China Free Group in Hainan alone exceeded 60 billion yuan. There are more than 750 brands at home and abroad in Haitang Bay Duty Free City, and more than 30 brands entered after last year’s Consumer Expo.

　　　　　　 Gao Xujiang, Deputy General Manager of China Tourism Group Zhongmian Co., Ltd.:After the Expo in May last year, I feel that our influence has increased. Especially, some international brands have paid more and more attention to our China market, especially Hainan market. For example, some brands that were difficult to attract investment in the past have made it much easier to negotiate after the Expo. There are also some substantial progress, such as some electronic goods and cosmetics, which are now stationed in some duty-free shops in Hainan, and some first launches, first stores and initiatives.

China International Consumer Goods Expo provides a platform for global consumer goods display and trading, which is beneficial for countries all over the world to share market opportunities in China, and for China to provide more high-quality consumer goods to the world. Ni Qiang, vice governor of Hainan Province, said in an exclusive interview with our reporter that the holding of the Consumer Expo has promoted the return of overseas consumption and economic growth.

Reporter Bai Wei:What changes have been brought to Hainan after the first Expo?

Ni Qiang, Deputy Governor of Hainan Province and Director of the Free Trade Port Working Committee Office of the Provincial Party Committee:We promote our economic growth through consumer fairs, duty-free shopping on outlying islands and the return of consumption. Last year, the growth rate of total retail sales of social consumer goods in Hainan was the first in the country, and the average growth rate in two years was the first in the country. Now consumption has driven more than investment. It should be said that under the impetus of consumption, the growth rate of GDP jumped to the second place in the country last year, and our two-year average (growth rate) was the first in the country.

Ni Qiang said that after the first Consumer Expo, many exhibitors who participated in the Expo went to Hainan for field trips, involving high-end manufacturing, food processing, eco-environmental protection and many other industries. Since this year, some enterprises have invested and built factories in Hainan, which has strongly supported the construction of Hainan’s modern industrial system. The data shows that the actual utilization of foreign capital in Hainan Province will increase by 16% in 2021, and the total amount will jump from the fifth lowest in the country to the ninth in the country.

Ni Qiang, Deputy Governor of Hainan Province and Director of the Free Trade Port Working Committee Office of the Provincial Party Committee:At present, many international enterprises have come to Hainan through the Expo, mainly taking advantage of Hainan’s geographical advantage of relying on the domestic super-large-scale market; On the other hand, domestic enterprises also use this platform to push their products and services to a broader international market.

　　Cctv newsThe Jiangsu Provincial Department of Transportation announced today (12th) that the expressway operation in Jiangsu Province is generally stable. As of 9: 00 on August 12, the entrances and exits of 93 expressway toll stations in Nanjing, Wuxi, Xuzhou, Changzhou, Suzhou, Nantong, Lianyungang, Huai’ an, Yangzhou, Zhenjiang and Taizhou were temporarily closed in one or two directions.

　　The specific closure situation is as follows:

　　Nanjing (12): G25 Changshen Expressway Xinji Entrance and Lishui North Entrance, G40 Hushan Expressway Crossbeam North Entrance, G2503 Nanjing Ring Expressway Niigata, Ma ‘an, Crossbeam Entrance and Tianhou Village Entrance, G4221 Shanghai-Wuhan Expressway Dongping, Lukou South and Jiangjun Avenue Entrance, S55 Ningxuan Expressway Lishui Development Zone Entrance, S68 Liwu Expressway Entrance.

　　Wuxi (5): G25 Changshen Expressway Dingshan Entrance, G4221 Huwu Expressway Xiake Entrance, S39 Jiangyi Expressway Heqiao Exit, S19 Tongxi Expressway Donggang and Anzhen Toll Station Exit;

　　Xuzhou (7): G3 Jingtai Expressway Liuxin and Xuzhou West Exit, G30 Lianhuo Expressway Xinyi West Exit and Pizhou West Exit, G2513 Huaixu Expressway Suining West Exit, S49 Xinyang Expressway Malingshan Exit and S69 Jixu Expressway Shunhe Exit;

　　Changzhou (7): G25 Changshen Expressway Caoshan Exit, G4221 Huwu Expressway Gehu Entrance and Maoshan Exit, S35 Fuli Expressway Shanghuang Toll Station Exit, S39 Jiangyi Expressway Wujin Economic Development Zone and Chunjiang Exit, and S68 Liwu Expressway Tangqiao Exit;

　　Suzhou (1): entrance of Taicang New District of G15 Shenhai Expressway;

　　Nantong (1): the southeast entrance of G40 Shanghai-Shaanxi Expressway;

　　Lianyungang (10): G15 Shenhai Expressway Haitou, Luo Yang, Lianyungang North, Xinba and Guanyun North exits, G25 Changshen Expressway Ganyu South, Dapu, Songtiao, Guanyun West and Guannan South exits;

　　Huai ‘an (9): G2 Beijing-Shanghai Expressway Huai ‘an North Exit, G25 Changshen Expressway Gaogou, Tieshan Temple Exit and Wulipai Exit, G1516 Yanluo Expressway Lingqiao and Shitang Exit, S49 Xinyang Expressway Huanghuatang and Xuyi North Exit, S22 Yanbang Expressway Dongyang Exit;

　　Yangzhou (23): G2 Beijing-Shanghai Expressway Gaoyou, Zhenwu Entrance, G40 Shanghai-Shaanxi Expressway Jiangwang, Tangwang, Yangzhou Guangling, Hangji South, Daqiao Entrance, Jiangdu South Exit, Yizheng, Zaolinwan Entrance, G4011 Yangli Expressway Guazhou Entrance, S28 Qiyang Expressway Yangzhou North, Slender West Lake, Yangzhou West Entrance, Jiangdu North, Dinghuo, Yangzhou Taizhou Airport, Yangzhou.

　　Zhenjiang (8): Jurong and Heyang exits of G42 Hurong Expressway, Jiangxi and Shangdang exits of G4011 Yangli Expressway Town, Tianwang exit of G4221 Huwu Expressway, Danyang North exit of S35 Fuli Expressway and East exit of Zhenjiang New District, and Gao Qiao exit of S39 Jiangyi Expressway;

　　Taizhou (10): entrance and exit of Taizhou Toll Station of G2 Beijing-Shanghai Expressway, exit of Guangling and Jishi of G40 Shanghai-Shaanxi Expressway, exit of Qintong, Anfeng and Xinjie of G1515 Yanjing Expressway, exit of Zhouzhuang, Hailing, Yuduo and Dasi of S35 Fuli Expressway in Xinghua.

　　As of 9: 00 on August 12, 25 provincial highways in Jiangsu Province were temporarily closed in one or two directions, as follows:

　　Nanjing 10:

　　1. The intersection K405+621 of Ning Gaoxin Passage Section of Jiangning G235 Xinhai Line is closed in both directions.

　　2. The intersection of Jiangning S002 and S204 Ninggao Line K52+800 is closed in both directions towards the lake maturity direction.

　　3. The intersection of Jiangning S002 and Jiangjun Avenue is closed in both directions towards Lukou.

　　4. The junction of K41+097 Anhui on Jiangning S126 Ningdan Line is closed in both directions.

　　5. At the junction of S204 and S002 in Jiangning, it is closed in both directions towards Lukou.

　　6. The K15+200 Osborn section of Jiangning S204 Ninggao Line is closed in both directions (there is an exit in the upward direction).

　　7. Jiangning S243 K82+600-86+100 is closed in both directions.

　　8. The intersection of Jiangning S340 and Jiangjun Avenue is closed in the direction of Lukou.

　　9. The ramp of Lishui S243 K76+850 Lishui Development Zone is closed in the direction of Xinhuai Avenue.

　　10. Lishui S243 K79+200 double-yearned for the closing of the ramp crossing in the direction of S204.

　　Yangzhou 8:

　　1, G328 K302 Jiangdu entrance,

　　2, S243 K2+950 Guazhou ferry,

　　3, S462 K9+600 south along the Yangtze River,

　　4, S61K7+600 and Hanjiang junction,

　　5, S125 K43+900 and Yizheng junction,

　　6, S356 K272+200 Jiangdu Hanjiang junction,

　　7, S331 K100+270 (Yancheng Settings, Yancheng and Yangzhou border),

　　8. S356 K272+600 Touqiao Town East Jiajiang Bridge West.

　　Taizhou 5:

　　1, G344 highway K135+400 xinghua city Qianduo Town and Yangzhou Gaoyou City junction,

　　2, G523 highway K20+031 Gaogang ferry (border with Zhenjiang),

　　3, S351 highway K116 xinghua city development zone and Yangzhou Gaoyou junction,

　　4, S352 highway K101+100 xinghua city Chenbao Town and Yangzhou Jiangdu District junction,

　　5. The downward direction of G328 Highway K274+550 is the boundary of Yangzhou, Kowloon.

　　Huaian 2:

　　1, S348 K196+500 to Hongze city direction,

　　2. S350 at the intersection of S350 and S247 is heading for Hongze.

　　CCTV News:On January 8th, CCTV News, the general station of China Central Radio and Television, broadcasted an article entitled "Dialogue between CCTV reporters and Tesla CEO Musk: I am optimistic about China’s future". Many domestic and foreign media and websites reprinted and quoted.

　　As of January 10th, CNN (American Cable News), N-TV (German News Channel) and i24 News (Israeli 24-hour News Channel) have quoted relevant contents, including People’s Daily, Guangming, World Wide Web, Nanfang, Jinyang, Dayang, Phoenix, Dongfang, The Paper, Tencent, Netease, Sina and Heyuan News. South +APP, Today Headline APP, Sohu News APP, Shantou+and other major media platforms, as well as Yingwentianxia.com, China-Russia Headline APP, China-Italy APP, Global Information +APP, Nordic Times website, American Business News Network, Chinese PT portal, Chinese Headline APP, Portuguese New Newspaper APP(facebook account, twitter account), European Union Chinese website, West Africa online website.The main contents are as follows:

　　On the afternoon of January 7th, Tesla Super Factory, the largest foreign manufacturing project in Shanghai’s history, officially started construction in Lingang Industrial Zone.

　　Tesla Super Factory is located in Shanghai’s Lingang area, covering an area of 860,000 square meters, integrating R&D, manufacturing, sales and other functions. After being completed and put into operation, the annual production capacity will reach 500,000 pure electric vehicles. This is the largest foreign manufacturing project in Shanghai’s history.

　　CCTV reporter interviewed elon musk, CEO of Tesla.

　　CCTV reporter: What’s so special about Tesla Giga Shanghai?

　　Elon musk, CEO of Tesla: Tesla Giga Shanghai is Tesla’s first super factory built outside the United States. It will be the most technologically advanced super factory. We will build a beautiful, environmentally friendly and sustainable super factory and become a model of the world’s factories.

　　CCTV reporter: What do you think of China’s open policy?

　　Elon musk, CEO of Tesla Corporation: China’s reform and opening-up is indeed a solid opening-up measure. In the long run, I am optimistic about the future of China, and China is developing in the right direction. The world is developing towards sustainable transportation and sustainable energy. China is a world leader in solar energy and electric new energy vehicles. We hope to work with car companies in China to help China accelerate the process of sustainable development.

　　CCTV reporter: How to treat the market competition of new energy vehicles?

　　Elon musk, CEO of Tesla Corporation: The electric vehicle market is huge. Our goal is to drive all automobile products by electric energy. In China, electric vehicles still account for a small proportion in the automobile market, so there are huge opportunities for all car companies.

　　Many domestic and foreign media forwarded and quoted the above-mentioned "CCTV News" articles:

As of January 10, 2019, CNN has quoted relevant content twice.

On January 9, 2019, N-TV (German News Channel) quoted relevant content.

As of January 10th, 2019, i24 News (Israel’s 24-hour news channel) has quoted relevant content three times.

　Guangming. com forwarded on January 8, 2019

Southern Network forwarded on January 8, 2019

　Phoenix Network forwarded on January 8, 2019

　The Paper Network forwarded on January 8, 2019

　Today’s headline app was forwarded on January 8, 2019.

　Sino-Russian headline app forwarded on January 8, 2019

　Portuguese New Newspaper APP(facebook account, twitter account) was forwarded on January 8, 2019.

　"Nordic Times" website forwarded on January 8, 2019

　The Africa Times website was forwarded on January 8, 2019.

　American Business News Network forwarded on January 8, 2019