Editor’s Note of China Economic Net: Recently, some media reported that a company that attracted investors in the name of managing money on behalf of its customers had a huge volume of 1 billion yuan in eight months, and then disappeared completely. The reporter’s investigation found that the above funds did not flow directly to the company, but passed through a reserve account named Guangzhou UnionPay Network Payment Co., Ltd. (referred to as "Guangzhou UnionPay"), and finally disappeared in the name of purchasing goods.

　　Investors said that they did not make online shopping, so the funds disappeared, which is obviously unexplained. Some lawyers pointed out that the third-party payment company should of course disclose to the payer who it will pay, as well as the amount and method. If the payment is made without receiving the instruction, it has obviously violated the property right of the payer.

　　However, Guangzhou UnionPay issued a clarification statement saying that the company has never intercepted, occupied or misappropriated any client’s funds, and has never been involved in any illegal and criminal activities. Regarding the disputes between the parties reflected in the relevant articles, it was found that the parties operated through the Internet and initiated payment through online banking with their own digital certificate (Ukey). Using digital certificate can accurately confirm their identity and transaction amount, which is undeniable, and the relevant transaction funds have been paid to the merchants in full.

　　Established in December 2001, Guangzhou UnionPay Network Payment Co., Ltd. is a high-tech enterprise owned by China UnionPay and wholly owned by UnionPay Commerce, specializing in bank card acquiring and specialized services, Internet payment, prepaid card acceptance and other main businesses. In May, 2011, it obtained the first batch of "Payment Business License" issued by the central bank.

　　It is reported that Guangzhou UnionPay has been repeatedly complained by users because of the problem of deduction from the reserve account. According to Guangyuan Evening News, 3,000 yuan in Ms. Guan’s bank card was inexplicably transferred to the account of Guangzhou UnionPay customer reserve, and then the fund was purchased. In addition, on the complaint website, enter "Guangzhou UnionPay" in the search column, and 52 search records appear. There have been complaints from users that "the account was deducted from the customer’s reserve fund of Guangzhou UnionPay Network Payment Co., Ltd. for no reason".

　　In response to this matter, the reporter from China Economic Net called Guangzhou UnionPay, and the customer service said that it would feed back the information to relevant colleagues and reply as soon as possible. As of press time, no reply has been received.

　　The whereabouts of users’ funds are a mystery. Guangzhou UnionPay: Never intercepted, occupied or misappropriated any customers’ funds.

　　"China Business News" reported that the account dispute of Guangzhou UnionPay made the whereabouts of users’ funds a mystery. It is reported that a company named Huibang Capital has been rolling up 1 billion yuan in eight months, and then disappeared completely. Zhao Hai, an investor, said that the company attracted investors in the name of managing money on behalf of customers (mainly speculating precious metals on behalf of customers). However, during the investigation, the reporter found that the above funds did not directly flow to Huibang Investment, but passed through the reserve account of Guangzhou UnionPay, and finally disappeared in the name of purchasing goods.

　　Zhao Hai and many other investors told this reporter that they bought Huibang Capital’s "Smart Win the World" precious metal trading wealth management investment products through a website in October 2015. The platform requires investors to open an account with at least 10,000 US dollars, use automated trading software, gain income through international foreign exchange spot gold trading, and see the changes of the corresponding account information of investors through MT4 (market quotation receiving software), so investors cannot operate.

　　It is worth noting that some investors inadvertently found something strange in the bank’s receipt. According to an electronic bank receipt provided by Zhao Hai, this is an online shopping receipt, the payee is "the name of the customer’s payer of Guangzhou UnionPay Online Payment Co., Ltd.", the trade name is "Zhonghui Business Online Payment", and the payment amount is about ××× 10,000 yuan.

　　Zhao Hai thinks that he didn’t do online shopping, and he didn’t get a product or service named "Zhonghui Business Online Payment", so the funds disappeared, which is obviously inexplicable. "Even if I invest in the wealth management products of Huibang Capital, it should show that our funds have been allocated to enterprises related to Huibang Capital, rather than flowing into other companies in the form of purchasing goods."

　　Zhang Feng, a lawyer of Shanghai Rongfu Law Firm, pointed out that Guangzhou UnionPay online payment has been suspected of breach of contract. "Third-party payment companies should of course disclose to the payer who they will pay, as well as the amount and method. If the payment is made without receiving the instruction, it has obviously violated the property right of the payer. There is an account agreement between the third-party payment company and the payer, so, more precisely, it is a breach of contract. "

　　For the risk of merchant credit review, industry analysts said that third-party payment platforms will not take the initiative to conduct risk review on interface enterprises, even including the authenticity of enterprises. As a third-party channel, the payment platform may recover funds based on moral pressure, but it will never bear legal risks.

　　On the morning of July 4th, Guangzhou UnionPay published a statement in official website, and hereby clarified this matter. The statement said, "Guangzhou UnionPay Network Payment Co., Ltd. has never intercepted, occupied or misappropriated any client’s funds, nor has it ever been involved in any illegal or criminal activities. Regarding the disputes between the parties reflected in the relevant articles, after the inquiry, the parties operated through the Internet and took the initiative to use their own digital certificate (Ukey) to initiate payment through online banking. Using digital certificates can accurately confirm their identity and transaction amount, which is undeniable and the relevant transaction funds have also been paid in full. "

　　The statement continued to point out that at present, the public security organs have investigated the disputes between the relevant parties and their trading partners, and the company will actively provide relevant clues and evidence to the public security organs.

　　3,000 yuan in the bank card was inexplicably transferred to Guangzhou UnionPay account and then the fund was purchased.

　　In March 2015, according to Guangyuan Evening News, Ms. Guan suddenly received a text message from the bank reminding her that 3,000 yuan in her card had been transferred to the account of Guangzhou UnionPay Network Payment Co., Ltd. Ms. Guan immediately went to the bank to make an inquiry and found that the money in the card was indeed taken away.

　　At 11: 33 am on March 18th, Ms. Guan, who was at work, suddenly received a reminder message from the bank, saying that she spent 0.38 yuan on one of her savings cards, and the message said it was a fund fee. Before she could react, the mobile phone received another text message, saying that the same item was deducted from its card for 3000 yuan. Because it is not time to deduct the mortgage, I have not made any payment or withdrawal. Ms. Guan immediately ran to the bank outlet to inquire and found that the money was indeed included in the account of the customer reserve fund of Guangzhou UnionPay Network Payment Co., Ltd.

　　Ms. Guan immediately called the customer service center of the company to which the other party’s account belongs, and learned that these two SMS deductions were actually not made by a company, but were transferred away by two fund companies in Beijing under Ping An Bank. Moreover, before her, the customer service center also received similar complaints, but because the merchants directly resolved with the complainant, they were not clear about the final settlement. However, the customer service center said that it would convey the complaint and let the other party reply as soon as possible.

　　In response to Ms. Guan’s situation, the staff of the personal customer department of the card-issuing bank said that they have been actively contacting the third-party platform to solve the problem. The public can first appeal by the "three-step" method with the assistance of the staff of the nearby outlets.

　　The first step is to print a bank card customer transaction inquiry form at a nearby outlet, and then call the bank’s manual customer service to explain the situation, inform the inquiry form of the transaction time, the other party’s account name, account number and other information, and send a short message after waiting for the manual customer service to inquire. Step 2: Call the customer service center number of the company to which the other party’s account belongs, which is provided by the SMS content, to make a complaint, indicating that there is no transaction before, and apply for compensation for the "deducted" funds, waiting for customer service inquiry. Step 3: Go to the police station to report the case, get the acceptance receipt, and prepare the relevant materials required by customer service.

　　The goodwill of Guangzhou UnionPay was damaged due to the deduction of the reserve account.

　　Established in December 2001, Guangzhou UnionPay Network Payment Co., Ltd. is a high-tech enterprise owned by China UnionPay and wholly owned by UnionPay Commerce, specializing in bank card acquiring and specialized services, Internet payment, prepaid card acceptance and other main businesses. In May, 2011, it obtained the first batch of "Payment Business License" issued by the central bank.

　　Customer reserve refers to the monetary funds actually received by the payment institution to handle the payment business entrusted by the customer. The payment institution shall handle the payment business entrusted by the customer after receiving the irrevocable payment instruction of the customer’s reserve fund or the customer’s transfer of the customer’s reserve fund, and shall not handle it in advance.

　　Guangzhou UnionPay is frequently criticized by netizens because of the problem of deduction from the reserve account. China Business News reported that in May this year, a user reported that the money in his bank account was actively transferred to Ping An Life Insurance Company of China Insurance through Guangzhou UnionPay, but the user did not buy any wealth management products of Ping An.

　　A reporter from China Economic Net logged on the website of Jucomplaint and entered "Guangzhou UnionPay" in the search column, and 52 search records appeared. There have been complaints from users that "the account was deducted from the customer’s reserve fund of Guangzhou UnionPay Network Payment Co., Ltd. for no reason". The complainant, Mr. Liu, reported that he found that the bank card was deducted 5448 yuan from the customer reserve fund of Guangzhou UnionPay Network Payment Co., Ltd. on March 31. Ms. Wu issued a complaint on March 13, saying, "I received a short message from the bank without knowing it, and the flow of the funds was ‘ Guangzhou unionpay network payment co., ltd. customer reserve fund ’ 。”

　　However, the reporter of China Economic Net has not received a reply from the relevant person of Guangzhou UnionPay, and the authenticity of the complaint information of Mr. Liu and Ms. Wu needs further confirmation.

　　CCTV News:On April 9, 2018, Zhou, the actual controller of Shanlin Shanghai Financial Information Service Co., Ltd., came to Pudong Branch of Shanghai Public Security Bureau to surrender to the public security organs. Zhou worked as a real estate project company in Tianjin before, but his business situation was not very good.

　　Criminal suspect ZhouAfter the real estate loan was completed, the money was used for investment, and the large amount of money for road construction could not keep up. Later, the P2P platform was opened to exaggerate the facts to do this.

　　After investigation, since October 2013, the criminal suspect Zhou has organized free travel through advertising and telemarketing without the approval of relevant departments, with the promise of high interest ranging from 5.4% to 15% as bait, selling so-called debt transfer wealth management products to unspecified people in the country.

　　Criminal suspect Zhou: offline stores absorb funds quickly, so they desperately open stores.

　　In a short time, the suspect Zhou set up 1,120 branches and offline stores in 29 provinces, municipalities and autonomous regions across the country, recruiting more than 30,000 employees. After investigation, many projects are false, and these stores are very attractive to investors after luxurious decoration. Since February 2015, the suspect Zhou has transferred some of his business to the online business, and has set up four online investment and wealth management platforms. Similarly, the sales of fictitious wealth management products with the promise of repaying the principal and paying high interest as bait raised 2 billion yuan in just two months.

　　Lin Zhi, Team Leader of No.1 Team and No.2 Team of Economic Investigation Corps of Shanghai Public Security Bureau: "His advertisements are very large, including on subway cars and buses. And even made it to the big screen of Times Square in new york, USA. At the same time, he also funded some charitable projects and sports events to show investors that he is strong. "

　　The target customers of Shanlin Financial offline stores are mainly middle-aged and elderly people, while the target customers of online platforms are mainly young white-collar workers. After investigation, at the peak of operation, Shanlin Finance absorbed 70 million yuan of new investment every day. Accumulated illegal absorption of public deposits of more than 73.6 billion yuan, however, the proportion of these funds actually used in projects is less than 5%.

　　Criminal suspect Zhou: The enterprise projects invested by the company have no hematopoietic function and cannot bring stable returns to investors. We can only maintain the operation by borrowing the new and returning the old, and the capital chain may break at any time.

　　According to the criminal suspect’s confession, Shanlin Financial needs at least 500 million yuan per month to maintain the company’s operation, which is mainly used for operating costs such as repaying principal and interest to previous investors, employee commissions, renting luxury office space, paying advertising fees, and personal extravagance. At the time of the incident, Shanlin Finance had a huge funding gap, which made it impossible to pay the investor’s principal totaling more than 21.7 billion yuan, involving more than 620,000 people across the country. At present, the case is being further processed.

　　CCTV News:According to the State Food and Drug Administration, food poisoning reports have been on the rise since the summer, and one of the main reasons is food poisoning caused by eating braised pork products and cold dishes with excessive nitrite. So, what is nitrite? How to cause food poisoning? What are the relevant standards and regulations? How should consumers and related food producers and operators prevent food poisoning caused by nitrite? Recently, china food and drug administration released the 13th issue of Food Safety Risk Analysis in 2016, and organized relevant experts to interpret nitrite.

　　1. Nitrite is a kind of nitrogen-containing inorganic compound ubiquitous in nature, which can be used as a food additive in meat products.

　　Nitrite and nitrate are common nitrogen-containing inorganic compounds in nature. Nitrogen cycle in nature and human activities constitute an important source of nitrate. In the process of nitrate formation, nitrite is often accompanied by the action of microorganisms. The common nitrites are mainly sodium nitrite and potassium nitrite, which are similar to salt in appearance, white to light yellow, powdery or granular, odorless, slightly salty, easily deliquescent and soluble in water.

　　Chinese first invented the use of nitrite to process livestock meat, which was used to extend the shelf life of meat. According to the scientific and technological volume of History of Song Dynasty, nitrite can be used for preserving and coloring bacon, and it was introduced to Europe in the 13th century.

　　Two, China and other countries in the world have clearly defined the limit and residue of nitrite in food.

　　The Joint Expert Committee on Food Additives of FAO and WHO (JECFA) stipulates that the daily allowable intake of nitrite is 0-0.2 mg/kg bw. All countries in the world also stipulate the limit of nitrite in food.

　　China’s national food safety standards have strict requirements on the use and safety management of nitrite, and it is safe to use nitrite according to the standards. The National Standard for Food Safety-Standard for the Use of Food Additives (GB 2760-2014) stipulates that sodium nitrite and potassium nitrite can be used as color fixatives and preservatives in the processing of cured meat products, braised pork products in sauce and smoked meat, roasted meat, etc., and stipulates the maximum dosage and maximum residue. The Limit of Pollutants in Food (GB 2762-2012) stipulates the limit of nitrite residues in raw milk, packaged drinking water, pickled vegetables and other products. The Announcement of the former Ministry of Health and the former State Food and Drug Administration on Prohibiting Catering Service Units from Purchasing, Storing and Using Food Additive Nitrite (Announcement No.10 of the Ministry of Health in 2012) prohibits catering service units from purchasing, storing and using food additive nitrite (sodium nitrite and potassium nitrite).

　　Third, excessive intake of nitrite can lead to poisoning and even death.

　　Under normal diet, nitrite in human body is mainly transformed from nitrate in food and drinking water by bacteria in mouth and stomach. Studies have shown that nitrite can be reduced to nitric oxide through certain channels. Eating food containing low levels of nitrite can supplement nitrite in human body.

　　However, if a large amount of nitrite is ingested orally (by mistake or excessive intake) in a short period of time, it is easy to cause acute poisoning, and the low-iron hemoglobin with normal oxygen-carrying capacity in the blood is oxidized to methemoglobin, which loses its oxygen-carrying capacity and causes tissue hypoxia, which is called methemoglobinemia. When the intake reaches 0.2-0.5g, it can cause poisoning, and when the intake exceeds 3g, it can cause death. The characteristic manifestation of poisoning is cyanosis, and the symptoms and signs include headache, dizziness, fatigue, chest tightness, shortness of breath, palpitation, nausea, vomiting, abdominal pain, diarrhea, cyanosis of lips, nails, skin and mucosa, etc. In severe cases, consciousness is hazy, fidgety, coma, respiratory failure and even death.

　　Four, common nitrite causes food poisoning.

　　According to the Circular of the General Office of the National Health and Family Planning Commission on National Food Poisoning Events in 2015 (Guo Wei Ban Emergency Fa [2016] No.5), the main pathogenic factors of chemical food poisoning events in 2015 were nitrite and tetramine. Among them, there were 9 food poisoning incidents caused by nitrite, accounting for 39.1% of the total reported incidents. The occurrence of food poisoning caused by nitrite has nothing to do with sex and age, and there is no obvious seasonal and geographical distribution. Therefore, most of the poisoning sites are collective canteens and catering units.

　　There are four common causes of food poisoning caused by nitrite. First, because nitrite is similar to salt in appearance, it is the main cause of poisoning that nitrite is used or eaten as salt by mistake. Second, because many areas in our country have the habit of home-made processed meat products, eating meat products with excessive nitrite will also cause food poisoning. Third, the content of nitrite in vegetables that have been stored for too long, rotted or cooked for too long and just pickled will increase, which may easily lead to poisoning. Fourth, the well water in some areas contains more nitrate (called "bitter well water"). If the rice boiled with this kind of water is stored for too long, nitrate can be reduced to nitrite under the action of bacteria and lead to poisoning.

　　Therefore, experts suggest that:First, food production and operation enterprises should strictly abide by relevant laws and regulations.When using nitrite, food production and processing enterprises should strictly abide by the relevant provisions of the state, and set up special places for storage, strict labeling and use management. Under the premise of following the relevant standards, effective measures such as raw material control and production norms were taken to reduce the content of nitrite in food.Second, catering service units should strictly abide by relevant regulations and guard against food safety problems.Catering service units should strictly implement the relevant regulations prohibiting the purchase, storage and use of nitrite, especially strictly monitor the production process and storage environmental conditions of cooked meat products, and fundamentally eliminate the possibility of eating by mistake.Third, the regulatory authorities strengthen the management of nitrite production and use.The food safety supervision department should strengthen the supervision of the production and circulation of nitrite, prohibit the catering service units from buying and storing nitrite, and prohibit the use of industrial salt to prevent the occurrence of nitrite food poisoning.Fourth, consumers should strengthen their awareness of self-protection to prevent food poisoning caused by eating nitrite by mistake.Consumers are advised to buy salt sold through formal channels. Pay attention to eating fresh vegetables, and don’t eat vegetables that have been stored for too long or deteriorated. Leftover cooked vegetables should not be stored at high temperature for too long. It is best to cook and eat the food now. Try not to use "bitter well water" for cooking, and avoid long-term storage when it is necessary. In addition, when eating processed meat products, pickles and other foods, foods rich in vitamin C, tea polyphenols and other ingredients can be matched to reduce the toxicity of nitrite that may be contained.

Special topic: Wenchuan earthquake in Sichuan

　　At the end of the research on "The Impact of Wenchuan Earthquake on Chengdu", experts predicted that the late strong aftershocks would not cause damage to Chengdu.

　　The research on "The Influence of Wenchuan Earthquake on Chengdu" ended recently. Officials and experts from Chengdu Earthquake Disaster Reduction Bureau said yesterday that the Wenchuan earthquake was a "main shock-aftershock" type, and the recurrence period of magnitude 8 earthquakes in Longmenshan fault zone was more than a thousand years. At present, more than 30,000 aftershocks have been recorded, showing a trend of "ups and downs" and having little impact on Chengdu.

　　Long-short axis effect Chengdu main city is safe

　　Yuan Haiquan, deputy director of the Municipal Bureau of Earthquake Prevention and Disaster Reduction, Zhu Jieshou, a professor at Chengdu University of Technology, and Hong Shizhong, a researcher on earthquake prevention in Sichuan Province, disclosed at the 27th special press conference of the municipal government information office yesterday that the research report came to two conclusions: (1) During the Wenchuan M8 earthquake, the earthquake damage in the main city of Chengdu was slight, which was determined by the general law of earthquake intensity attenuation, the structural position of Chengdu and the seismic fortification of buildings, so it was inevitable; (2) After the Wenchuan M8 earthquake, Chengdu is still safe.

　　The so-called "long-short axis effect" means that the distribution of seismic intensity is generally flat and oblong, and the attenuation of seismic intensity along the short axis direction is much faster than that along the long axis direction. Yuan Haiquan explained that it is this law that makes the main city of Chengdu safe and sound: the long axis direction of Wenchuan earthquake intensity distribution is exactly the same as the extension direction of Longmenshan fault zone, which is northeast-southwest direction, while the main city of Chengdu and the whole Chengdu plain are located in the short axis direction which is generally perpendicular to the strike of Longmenshan fault zone. In this direction, the intensity decays very quickly, so the earthquake damage in the main urban area of Chengdu is quite slight.

　　Experts also agree that Chengdu’s adherence to seismic fortification for many years has played an important role in reducing earthquake damage. Yuan Haiquan introduced that since the 1980s, Chengdu has carried out seismic fortification work for buildings and structures. In most areas of Chengdu, general industrial and civil buildings are fortified according to the seismic intensity of 7 degrees. In addition, after the large-scale transformation of the old city, there are few old houses left, and the seismic capacity of urban buildings has been greatly improved.

　　The ups and downs attenuate the future aftershocks with a maximum magnitude of 6.

　　In view of the fact that Chengdu is still safe after the Wenchuan earthquake, experts explain that there are mainly two types of earthquakes that have a great impact on Chengdu: external earthquakes and local earthquakes. The research shows that there are many large-scale active fault zones in the periphery of Chengdu, among which Longmenshan fault zone is the closest and most threatening to Chengdu. A variety of studies show that the recurrence period of the Longmenshan M 8 earthquake is more than a thousand years. Therefore, after the Wenchuan earthquake, there is no need to worry about the occurrence of a major earthquake of magnitude 8 or above in the Longmenshan belt for a long time.

　　Experts predict that the maximum magnitude of aftershocks in the future will be around 6. "Since the intensity of the main city of Chengdu was only 7 degrees during the main earthquake of magnitude 8, even if there are strong aftershocks of magnitude 5 and 6 in the future, it will naturally not cause any damage."

　　At present, the number of aftershocks of the Wenchuan earthquake has reached 37,816, including 8 with magnitude 6 or above. Hong Shizhong said that more than half a year has proved that the intensity of aftershocks is declining, and there have been no aftershocks of magnitude 5 or above for a long time. He believes that the Wenchuan aftershock will be "fluctuating attenuation", and it is also possible to have a strong aftershock of magnitude 5 ~ 6. He reminded that the aftershock area in Yingxiu-Qingchuan area should be especially vigilant, and aftershocks may trigger new secondary disasters in mountainous areas. But for Chengdu, aftershocks will not cause damage, but at most they will have a sense of shock.

　　"After the Tangshan earthquake, there were aftershocks of magnitude 5 or above in 1979; Haicheng earthquake in 1975 and aftershocks in 1977. " Hong Shizhong said that the aftershocks of the Wenchuan earthquake will continue for quite some time.

　　In addition, according to the report, there are some fault zones in Sichuan where major earthquakes may occur. In history, strong earthquakes in these areas have had some impact on the main urban area of Chengdu, but the maximum intensity is only 6 degrees. The calculation shows that even if an earthquake of magnitude 8 occurs in these areas, the intensity of the main urban area of Chengdu will not reach 7 degrees because they are all more than 150 kilometers away from Chengdu.

　　There is little possibility of a major earthquake in Chengdu Plain.

　　With regard to earthquake prediction, experts said that it is still a worldwide problem to predict when and where an earthquake will occur, but it is much easier to judge the trend. Regarding the possibility of an earthquake in Chengdu in the future, Yuan Haiquan said that the Chengdu Plain belongs to the Sichuan Basin, which is a part of the Yangtze block. "The Yangtze block is a fairly hard and stable block. Therefore, the seismic activity of the whole Sichuan Basin, including Chengdu Plain, is much weaker than that of the Longmenshan Belt, and there has not been a strong earthquake of magnitude 6 or above in the basin so far. Although there are some faults in Chengdu, both the scale and the activity of the faults are far from being compared with the Longmenshan fault zone, and there is little possibility of an earthquake of magnitude 8. On the whole, Chengdu Plain is quite safe. "

　　Historical records show that Chengdu suffered a strong earthquake of magnitude 7 or above once every 100 years in more than 2000 years. (Tang Xiaotao)

Editor: Wang Jiaolong

The 12th year of "Double Eleven" came earlier than previous years. This year, we took the route of "deposit+final payment".

At 0: 00 on October 21st, Tmall Double Eleven Shopping Carnival officially opened for pre-sale. It is reported that on the evening of 20th, the number of online viewers in Viya and Li Jiaqi reached 140 million and 160 million respectively. On the 21st alone, the sales guided by KOL, the two live heads, exceeded 9 billion yuan. From November 1 ST to 3 rd, the first wave of final payment was started. By 1: 51, the turnover of hundreds of brands had exceeded 100 million yuan.

　

　

Overnight, the "down payer" became the "down payer". Are you one of them? Do you have impulsive consumption behavior and intend to become a "refund person" after receiving the goods?

When the passion of shopping spree fades, instead of teasing ourselves about "Come on, credit card holders", let’s take a look at how to establish the correct concepts and methods of financial management and consumption, learn to build a stable and safe financial foundation, planning and strategy, and make money "born" stably, so as to ensure that our lives are rich and our old age depends on it. This is the most effective and correct way for the "last payment people" to empty their shopping carts.

　

　

Eliminate prejudice and don’t talk about "money"

Some prejudices are closely intertwined with our culture, so they have been internalized into our own views. According to a study conducted by Fidelity in 2016, although most female respondents (80%) said that they deliberately avoided discussing financial issues with the people closest to them. Why? About one-third of people think the following descriptions are true: "I don’t feel well" or "I was taught not to talk about money since I was a child".

At the same time, according to a study conducted by Prudential in the UK in 2016, many women "admit that they are not familiar with financial products and the industry terms describing such products, and feel that they just don’t know what to consider when evaluating alternative financial schemes". They said that they just didn’t have time to understand clearly.

These are all nonsense. If all kinds of financial products confuse you, start by setting up a separate savings account. Think you don’t have time? Get up an hour early every day. You have money, brains and time to change your financial status. Women must know how to make money, save money, make property plans, make investments, maximize the use of money, increase wealth, enjoy wealth and share wealth.

Basic knowledge preparation of financial management: what are net worth, "foundation", "wings" and debt?

We often regard budget and income as the most important aspects in financial management, which means that we have not seen the overall situation, let alone mastered the deep thinking and technology that create things with lasting value.

What’s important, that your overall financial security and your life depend on it?

This golden precious word is: net worth. Together, these two words are the golden key to your personal finance and long-term happiness. Net worth is essentially your real overall value. Add up what you have and deduct what you owe. Its focus is not on short-term income and budget, but on the foundation and wings that support and inspire you for a long time.

What exactly do "foundation" and "wings" mean?

"Foundation" is your basic and main asset; The foundation is your long-term investment project, your retirement pension, real estate, stock securities, and possibly a successful company you own; In some cases, it may also be valuables such as works of art and jewelry. The foundation grows slowly over time. You can’t easily and quickly turn it into cash and spend it at will. They need your regular and periodic attention. Strong long-term assets are the key to net worth because they are difficult to erode. Another reason is that they can accumulate value over time, bring compound interest and make you Qian Shengqian. Properly handled, they can provide protection, just as a strong root system can firmly stabilize a tree.

　

　

"Wings" represent your income and your ability to get cash. How high and how far you can fly depends on how much money you have in the money market and savings account, as well as how you spend and use credit. By the amount and frequency of your income and the financial habits that affect your daily life, you can measure your wing width. If used properly, your wings will nest on the foundation with your regular income and any unexpected wealth, fund your foundation and protect it. But wings will also give you the impulse and confidence to take off, and let you soar freely and enjoy life, no matter which direction you choose.

Debt is another common obstacle to improving net worth. Not the debt itself, because most of us have some debts to some extent. What it means is: if your foundation and wings can’t bear your debt burden, then your net worth is negative. That’s the truth.

To calculate your net worth, add up all the assets (what you own) and subtract the loans and liabilities (what you owe on credit) to get your net worth. Reduce debt and increase assets, and your net worth will increase. When you owe less on credit than you have, you begin to own assets. You are moving in the right direction, which is what you need to concentrate on.

Foresight, enjoyment, parenting, independence and production, how to match the five financial types?

Now you have a general understanding of the basic knowledge of financial management, such as the main basic types, but other contents are meaningless until you know who you are and what kind of behavior you may have as an investor.

We all want financial freedom and comfort, but each of us is different. For example, do you long for stability, a beautiful home and integration into the community? If so, then owning a property is the right choice for you. If you haven’t settled down yet, you may consider moving to another city, so you may be more comfortable with long-term investments-you can monitor these portfolios from your mobile phone. In the final analysis, it is to know yourself. So, you must know who you are.

A set of psychological test tools about financial types mentioned in "Going through the Low Valley and Seeing the High Mountain" can let you know your financial talents, strengths and destruction modes. Everyone’s financial type is a combination of the following five, and one or two of them are dominant.

Below, let’s take a look at what type we belong to.

Forward-looking: balancing risks

Foresight people regard money as a tool for self-expression and a means to follow their inner passion, and a symbol of success. If you are a visionary, then you will drive yourself to turn what you love into work. Foresight people like others to realize their own value and invest in their own projects, and they may also take too many risks and suffer financial losses. The challenge faced by visionary people: everything is at risk for future returns, and the current benefits are not built in an orderly manner.

　

Tang Jing, an elite woman in the workplace in My First Half of Life, has a clear goal and outstanding ability. She perfectly integrates women’s career with the positive pursuit of money. Does she meet your vision of "foresight"?

　

A visionary TIPS:

Create a safety net

Must have short-term cash reserves. Review your expenses, work out your monthly expenditure baseline, and then try to save enough cash reserves that make you feel at ease (to ensure three months or a year’s expenditure) as your safety net.

Read the contract details

A visionary must read the contract details and do some due diligence before cooperating with investors and supporters. Make sure you know all the terms before signing. You can seek help from professionals such as lawyers or financial planners.

Don’t forget taxes

If you do part-time creative work while working full-time, make sure to set aside some savings to pay taxes, so that your creative work will not face any unexpected consequences.

Balance risks

We must understand the risks involved in investment projects and try to balance the risks in investment-consider diversified investment portfolios.

Suitable for far-sighted financial foundation: retirement account, self-founded company.

Hedonic: Feeling inspired, not down and out.　　

Hedonists love money. They love consumption, and their main consumption targets are material goods, services and experiences. They may even enjoy saving money. Hedonic people seek a better life, and the standard of "superior" is defined by themselves. Challenges faced by hedonists: They usually want to enjoy themselves now, and it is difficult to postpone their enjoyment until later. They may start a sideline or work overtime so that they can buy experiences and luxuries that make them feel happy.

　

Mani, a floating king in Nothing But Thirty, has a monthly salary of 15,000 yuan, a monthly rent of 7,000 yuan and a credit card of 18,000 yuan for travel upgrade. Some people say that this is "exquisite and poor" with the characteristics of "hedonism". What do you think of this?

　

　

　

Hedonic people TIPS:

Pay attention to conscious consumption targets.

Choose the items and experiences that you are eager to buy, and take them as goals to save. Make sure that both short-term and long-term goals are set. Concentrate on your reward system and let your savings inspire you, not make you feel down and out.

Save money before spending it.

Save automatically every month and open an internal "paycheck"-after you allocate the money for saving and fixed expenses, give yourself a salary and let yourself spend the money with peace of mind and freedom.

Review the expenditure in the past 3 -6 months, clearly understand your consumption items, and determine which are "core expenditures" or needs. Rank these pleasures in order of importance, and stick to this ranking table.

:: Rethinking priorities

Be careful about debt financing. If you are already in debt, give priority to those credit cards with the highest interest rate.

Financial foundation suitable for hedonism: retirement account, real estate.

Parenting: giving priority to others

Parenting people regard money as a tool to help others, whether it is their partner, children, family, colleagues, employees or the community. Their first task is to support their families well. If you are a nurturing type, then you value interpersonal relationships most, and you will consider others when making financial decisions. If your main concern is to care for others and cultivate relationships, then you belong to the nurturing type. Parenting people may inadvertently invest too much money in supporting others, so that their financial needs can not be met. The challenge for nurturing people: give priority to and continue to invest in themselves.

　

Fan Shengmei in Ode to Joy is a senior HR in a foreign company. She has a strong ability to be loyal to others, but she is forced to support her family and bear great financial pressure. This passive "nurturing type" should arouse the reflection of women and the whole society.

　

Parenting people TIPS:

Give priority to helping yourself to help others more.

Remember what the flight attendant said to you when you eagerly sent a text message and tried to shove your handbag under your feet: "Wear your own oxygen mask before helping others."

Don’t get into debt for others.

Don’t use credit cards to raise money to buy gifts or lend money to your loved ones. If you find yourself helping many people solve economic problems, then you need to redefine what an emergency is and set clear boundaries.

Give priority to yourself and maintain healthy interpersonal relationships.

Develop a funding budget

Make a goal-oriented plan, so that you can support people and causes you trust without getting into danger.

Financial foundation suitable for parenting: retirement account, real estate.

Independent type: attaching importance to autonomy

Independent people attach great importance to freedom and autonomy. If you are independent, it is important for you to live in your own way and pursue happiness freely. Independent people often don’t think much about money unless it prevents them from getting the life they want. Independent people may have an attitude of "easy come, easy go" towards money, but this is because they have resources-they look at the overall situation and are confident that they can play money games. At the same time, independent people may inadvertently lack attention to money, resulting in some avoidable financial problems. The challenge for an independent person is to realize the real function and influence of money-and its various possibilities.

　

Andy in Ode to Joy is an investment company executive and business elite. He is confident that he can play money games without being tied down and attaches importance to autonomy. He is a typical "independent type".

　

More ambitious plans for independent people:

Rethink your view on money.

Leave detailed analysis and planning to others, so as to reduce some pressure and anxiety caused by financial decision-making and planning.

Try socially responsible investment.

If you feel that investment is too corporate, and the scale is easy to fail, then you can consider socially responsible investment. After screening, your portfolio will exclude stocks of companies that are contrary to your values.

[Editor’s Note: socially responsible investment (referred to as "SRI") is an investment model that unifies investment decisions with economy, society and environment, aiming at prompting investors to consider social welfare, economic development, world peace and environmental protection in addition to traditional monetary returns]

Take a step towards a more secure future.

Save now and make good use of relevant policies, so in the future, you may not have to continue working, but have the ability to sail with the wind. If you are self-employed, do some research (or hire a financial planner) and make the best retirement plan. If the company you work for offers a retirement plan, set it to automatically pay a considerable amount to it.

Set to automatic driving mode

The more you can put your savings and expenses, especially bill payment, into autopilot mode, the more time you have to enjoy a quality life.

Suitable for independent financial foundation: investment, self-founded company.

Production: Structure and Control

Productive people like to acquire, manage and accumulate money, but they are afraid of heavy losses in money or losing control of money. They will systematically evaluate their financial decisions. If you are very strategic and like planning, then you are probably a production type. You can understand spreadsheets and practical goals, so most types of foundations are suitable for you, except running a company. First, you should concentrate on building retirement savings. Then, you can get in touch with real estate and investment. Challenges faced by productive people: being too rigid about what is possible or can be done.

　

Nothing But Thirty’s Gu Jia Shuangshang has strong online ability, is very strategic and loves planning, and keeps the company in good order with the characteristics of "production"

　

More ambitious plans for productive people:

Establish a moderate safety net

Compound interest may make you overexcited and put too much money in the bank. Clearly understand how big the safety net you really need, and then build a portfolio to make the rest of your savings more useful to you.

Don’t lose money (because of inflation)

After establishing short-term savings funds, consider investing in a portfolio that fits your investment period, future goals and risk tolerance level. You don’t have to jump from super conservative to super enterprising, you just need to work with professionals to understand how your portfolio should be improved.

Freelancers, plan for the future.

If you are self-employed, make sure that your retirement plan allows you to maximize the growth brought by deferred tax payment. If the company you work for has a retirement plan, reconfirm which funds you have invested in.

Financial foundation suitable for production: retirement account, real estate.

This article is compiled from "Going through the Low Valley and Seeing the High Mountain: A Guide to Financial Planning for Women" (by Amanda Steinberg, published by CITIC Publishing House in October 2020). The copyright belongs to the author and this book. Please indicate the author and the source of the work in the serialization.

　

　　　　　　　 Affected by Typhoon Nida, at 8: 00 a.m. on August 4th, a landslide and debris flow occurred in Santaishan, mangshi, Dehong, Yunnan Province, which caused traffic disruption in some sections of Long Rui Expressway and G320 national highway, and many cars were trapped on the road. A bus was washed off the national highway by debris flow, one person was missing and many people were trapped in the debris flow disaster area. In addition, mountain torrents and mudslides also caused some pipelines of China-Myanmar crude oil and natural gas pipeline to be exposed, which seriously endangered the pipeline safety.

　　　　　　　 The reporter saw at the scene that many oil and gas pipelines that were originally buried underground have been exposed on the surface, and some pipelines are hanging in the air, which is very dangerous.

　　　　　　　 At present, China-Myanmar crude oil and natural gas pipelines, the crude oil pipeline has not been put into production, and it will not cause harm, mainly natural gas pipelines. After the heavy rain in the early morning of the 4th, the hydraulic works along the oil and gas pipelines and the farmland of ordinary people were washed away by floods, resulting in the exposed oil and gas pipelines and the interruption of communication optical cables. If remedial measures are not taken in time, once the landslide distance is relatively large, it is easy to drift the pipeline, endanger the pipeline and cause the pipeline to break.

　　　　　　　 On the afternoon of the 4th, the staff of Dehong Oil and Gas Transmission Branch of PetroChina Southwest Pipeline, together with local rescue workers, carried out emergency repairs on the exposed section of the China-Myanmar oil and gas pipeline, dredged the waterway, changed the waterway, and prevented the pipeline from being washed by floods, so as to temporarily maintain the pipeline status quo. Subsequently, the emergency repair personnel will also take measures such as lowering the gabion, driving steel piles, etc. to restore the exposed pipe section to ensure the safety of the pipeline. (CCTV reporter Wang Xi)

　　　　　　　 Hangrui Expressway has been rushed through the 320 National Highway by single line, and the rush continues.

　　　　　　　 After more than 10 hours of efforts by various departments, the Long Rui Expressway Santaishan section resumed traffic at 9: 15 pm on the 4th (Ruili to mangshi), while the downlink was still being cleaned, and the opening time was to be determined. At present, the National Highway 320 is still being rushed through, and it is initially expected to be completed on the 6th.

　　　　　　　 Due to the serious debris flow and landslide of National Highway 320, and the continuous formation of new debris flow, it is not open to traffic, so it is the quickest way to get through Long Rui Expressway quickly to carry out emergency rescue in Dehong Prefecture. On the 4th, the local government and the high-speed maintenance department put 1 excavator, 14 loaders, more than 20 dump trucks, more than 30 emergency command vehicles, a total of more than 70 machinery and equipment, and more than 300 emergency workers rushed to get through the road. (CCTV reporter Wang Xi)

　　In midsummer, Wan Li is clear.

　　On the afternoon of July 18th, Beijing, the banquet hall on the second floor of the Great Hall of the People was brightly lit and the atmosphere was solemn and warm. The second plenary session of the Third Plenary Session of the 20th CPC Central Committee was held here.

　　At 3 o’clock in the afternoon, with warm applause, General Secretary of the Supreme Leader and other leading comrades of the Political Bureau of the Central Committee entered the meeting place.

　　In the middle of the podium curtain, the golden the emblem of the Communist Party of China (CPC) shines brightly, witnessing the historic moment — —

　　In a highly responsible attitude towards the cause of the Party and the state, members of the Central Committee attending the meeting solemnly voted on the Central Committee of the Communist Party of China’s Decision on Further Comprehensively Deepening Reform and Promoting Chinese Modernization.

　　"Pass!"

　　With the solemn announcement of the Supreme Leader General Secretary, the audience applauded warmly.

　　A new blueprint for reform marking the times was born, and China’s reform and opening up has reached a new milestone.

　　On November 12, 2013, it was also here that the landmark Third Plenary Session of the 18th CPC Central Committee deliberated and adopted the Decision of the Central Committee of the Communist Party of China on Several Major Issues of Comprehensively Deepening Reform, which opened a new era of comprehensively deepening reform and promoting reform through overall system design.

　　After more than ten years of hard work, the Communist Party of China (CPC) people have successfully promoted and expanded Chinese modernization in the new great changes.

　　At present and in the future, it is a crucial period to comprehensively promote the construction of a strong country and the great cause of national rejuvenation with Chinese modernization.

　　"After the 20 th National Congress of the Communist Party of China, I have been thinking about further comprehensively deepening reform." Standing at a new historical starting point, and having an insight into the times and trends of the "two overall situations", General Secretary of the Supreme Leader made a strategic choice: "In this reform, we will closely follow the theme of promoting Chinese modernization."

　　Open the "Decision" of more than 20,000 words, 15 parts, 60 tasks and more than 300 important reform measures, further comprehensively deepen the theme, guiding ideology, overall goal, major principles and reform measures of the reform, and fundamentally ensure a broad layout and a clear path.

　　Anchored in 2035, focusing on the deployment of reform tasks in the next five years; "Six Persistences" indicate the important follow-up to further comprehensively deepen reform; The "seven focuses" include the strategic focus of promoting Chinese modernization; More than 300 important reform measures, the content of which shows "five emphases", hold the "bull’s nose" of economic system reform, and promote reforms in other fields as a whole … … A "panoramic view" of the reform, which is full of storms and weather, is spread out.

　　Chinese-style modernization is constantly advancing in the reform and opening up, and it will certainly open up broad prospects in the reform and opening up!

　　Master planner: Fu Hua and Lv Yansong.

　　Chief producer: Huo Xiaoguang

　　Planning: Sun Chengbin and Guo Jianye

　　Producer: Lai Xiangdong and Zhang Xiaosong.

　　Reporter: Zhu Jichai, Huang Yue, Xie Huanchi

　　Editor: Tan Moxiao, Zhang Huihui, Li Yan

　　Poster: Yin Zhelun

　　Produced by the first studio of Xinhua News Agency

1905 movie network news "Gutian bugle" has been released since August 1, and it has gained a lot in box office and word of mouth. On 16th, director Chen Li came to China People’s Revolutionary Military Museum with starring Wang Renjun, WangZhifei and Liu Zhiyang to collectively review the development of the Communist Party of China (CPC) during the Agrarian Revolution.

Chen Li, the director, also became a commentator at the scene. She was familiar with the revolutionary history and talked about the hardships and hardships of the Red Army during the revolutionary period, with tears in her eyes from time to time. Following the footsteps and imprint of history, the founders also recalled the dribs and drabs of film shooting and felt a lot.

As a tribute film to celebrate the 70th anniversary of the founding of New China, Gutian bugle cut into the important historical event of Gutian Conference from the perspective of a Red Army trumpeter, and the Red Army bugle displayed in the museum immediately attracted the attention of the founders.

In Chen Li’s view, the bugle, like the Republic, is red, saturated with the blood of martyrs, and has far-reaching symbolic significance behind it. As an important instrument of the Red Army, it is also the creative source and core of the film, leading the tone and expression connotation of the story.

Liu Zhiyang, who plays Chen Yi, believes that the bugle has a strong soul and energy, which not only plays a vocal role in the film, but also gives them a kind of bloody spirit to fight the first shot for the new China and the revolution.

The important historical photos, documents and cultural relics on display in the museum remind Chen Li of the past when he led the actors to visit the Gutian Conference Memorial Hall to let them know about history and experience life.

Wang Renjun, who plays Chairman Mao, has a deep understanding of this. "The most shocking thing is to see that the environment they lived in at that time was particularly old, and the room where Chairman Mao lived was also very small. Their hard work and plain living style deeply infected me."

In order to restore the truth, the film also chose to shoot in Gutian and other places to better help actors enter the historical situation and understand the ideological core of revolutionary leaders.

WangZhifei, the actor who plays Zhu De, said that the live shooting allowed him to fully immerse himself in emotion. "I even feel that Chairman Mao, Zhu Jun and Chen Yi are watching me at the shooting scene."

On the way to visit, WangZhifei also took photos with Zhu De’s real person, which vividly restored the appearance of the great man. Chen Li took this opportunity to talk about casting. She thinks that an actor doesn’t have to be like a great man to play a great man. What matters is temperament. "A good actor plays who looks like who, and it is the most important thing."

She said that WangZhifei’s performance was very breakthrough. Many viewers didn’t find out that he played Zhu De after watching the film. WangZhifei also said that the film finally realized his pursuit in performance: don’t remember me, remember the role.

The film also uses young actors to break through the interpretation of revolutionary leaders in youth with the "red men’s group". Wang Renjun admits that playing Chairman Mao once made him feel pressure, but the audience’s comments after the release reduced his worries. "Everyone’s concern is more about the feelings of the characters, the feelings between comrades-in-arms, the feelings between the people’s army and the people, and everyone is attracted by this story."

"Gutian bugle" has narrowed the distance with the young audience by popular and young expression, strengthened the depth and breadth of the main theme film, and kept the red gene in the new era.

"After watching this movie, my mother doesn’t have to worry about my history class." This netizen’s comment left a deep impression on Chen Li. She is convinced that the patriotic enthusiasm of the post-90 s and post-00 s is already burning, and they are increasingly becoming the main force in watching red movies.

Visiting the military museum this time and seeing a series of battles and stories behind them during the revolutionary period further inspired Chen Li’s creative inspiration and desire. "I can’t finish shooting red historical movies in my next life, but I will definitely stick to it. There are too many epic battles, such deeds, such heroes and heroes, and such great men. I will work harder to shoot and take on the mission of this era."

At the same time, she also hopes to call on more young directors and actors to join the creative ranks of red-themed films and stimulate more vitality and vitality.

Both the Chinese Civil Revolutionary Military Museum and the film Gutian Military show red history and memory in different forms, so that more young people can see the hard-won revolution and the hard-won good life now, and continue to convey the theme of the times of Do not forget your initiative mind, bearing in mind the mission.

　　Xinhua News Agency, Beijing, April 22nd Title: Gather the majestic power of building a network power — — General Secretary Supreme Leader’s important speech at the National Conference on Cyber Security and Informatization aroused enthusiastic response.

　　Xinhua News Agency reporters Wu Jing, Wang Sibei and Hu Hao

　　Entering the new era, the historical opportunity of informatization development is fleeting.

　　Towards a new journey, the era of building a network power is full of sound and powerful.

　　The important speech delivered by the Supreme Leader General Secretary at the National Conference on Cybersecurity and Informatization has aroused enthusiastic response in the whole society. Everyone said that we should conscientiously study and implement the spirit of the important speech of the Supreme Leader General Secretary, keenly seize the historical opportunity of informatization development, independently innovate and promote the construction of a network power, and make new contributions to winning the Chinese dream of building a well-off society in an all-round way, winning the great victory of Socialism with Chinese characteristics in the new era and realizing the great rejuvenation of the Chinese nation.

　　I am very excited: I have not only stepped out of a way to govern the Internet with China characteristics, but also formed a strategic thinking of strengthening the country through the Internet.

　　"Since the 18th National Congress of the Communist Party of China, the CPC Central Committee has attached importance to, developed and governed the Internet, made overall plans and coordinated major issues concerning informationization and cyber security in political, economic, cultural, social and military fields, made a series of major decisions and put forward a series of major initiatives, and promoted the cause of online information to achieve historic achievements." The words of General Secretary of the Supreme Leader spoke to the hearts of the people in Wuling Mountain area of Guizhou.

　　In the past, there were many high-quality agricultural products "bred in an inner chamber, with no one knowing her". In 2015, Hua Qian, who worked outside the home, returned to her hometown and started the e-commerce service center in Wanshan Town, Wanshan District, tongren city, with the support of the local party committee and government, so that green local goods such as sweet potato chips and wild honey could "go" into thousands of households.

　　"As the General Secretary of the Supreme Leader said, without the development of the national network business, there would be no great changes in the industrial ecological chain of Shanxiang." Hua Qian said that accelerating the development of rural e-commerce has promoted agricultural upgrading, rural development and farmers’ income increase, and the role of network poverty alleviation has become increasingly apparent.

　　New ideas guide new strategies, and new deployment brings new changes.

　　General Secretary of the Supreme Leader pointed out that online information integration of defense and civilian technologies is the key field and frontier field in integration of defense and civilian technologies, and it is also the most dynamic and potential field in integration of defense and civilian technologies.

　　"The results achieved by our exploration in integration of defense and civilian technologies are vivid annotations of the spirit of the important speech of the Supreme Leader General Secretary." Li Jianguo, director of the Economic Development Bureau of Mianyang Science and Technology City Management Committee, said that Mianyang has built the only national dual-use technology trading center in China, with a cumulative technology contract turnover of 1.92 billion yuan; Sichuan integration of defense and civilian technologies large-scale scientific instrument sharing platform integrates more than 3,000 sets of instruments and facilities from more than 100 national and provincial units, and provides services for nearly 1,000 enterprises for more than 3,000 times.

　　The achievements in the development of China’s online information industry have attracted worldwide attention. As the General Secretary of the Supreme Leader pointed out in his speech: "We have continuously promoted theoretical innovation and practical innovation, not only stepping out of a way of governing the Internet with China characteristics, but also putting forward a series of new ideas, new viewpoints and new theories, forming the strategic thinking of strengthening the country through the Internet."

　　Shen Yi, director of the Research Center for Cyberspace Governance of Fudan University, believes that since the full-featured access to the Internet in 1994, China has explored and perfected a set of practice roads and development models with the Internet as the core feature, which set an example for developing countries to master and use information technology to serve their own development.

　　Understand the situation clearly: we must seize the historical opportunity of informatization development, maintain network security, promote the breakthrough of core technologies in the information field, and give play to the leading role of informatization in economic and social development.

　　"Without cyber security, there will be no national security, no stable economic and social operation, and it is difficult to protect the interests of the broad masses of the people." In his speech, General Secretary of Supreme Leader emphasized network security, which impressed Quan Wang Charlie, Minister of Propaganda Department of Shangqiu Municipal Committee.

　　"China’s network security governance pattern is becoming more and more perfect, the cyberspace is becoming clearer, and the upward development trend of network public opinion is taking shape. However, it must also be noted that the diversity of public opinion subjects in cyberspace, the diversity of communication platforms and the complexity of public opinion confrontation have brought challenges to ideological security and raised new issues for public opinion guidance. " Wang Quanzhou said.

　　Although it is in a "leading" position in the fields of high-performance computing and new-generation mobile communication, we have to admit that China still lags behind the world’s advanced level in core technologies in the information field such as chips and operating systems.

　　"The core technology is the heavy weapon of the country." Bao Wei, chairman of Shenzhen Hanyun Technology Co., Ltd., who provides big data research and judgment system services for local public security, courts, finance and other departments, said, "At present, China has huge market advantages, labor advantages, capital advantages and institutional advantages. We must grasp the construction of industrial systems and work together in technology, industry and policy to better release the innovation vitality of various innovative subjects and accelerate the breakthrough of core technologies in the information field."

　　Without core technology, there will be no industry leadership; Without innovation breakthrough, there will be no high-quality development.

　　"It is necessary to develop the digital economy, accelerate the promotion of digital industrialization, rely on information technology innovation, constantly promote new industries, new formats and new models, and promote new development with new kinetic energy." The important speech of the Supreme Leader General Secretary pointed out the way forward and summarized practical experience.

　　"In order to serve the modern governance system and the construction of a modern economic system, the ‘ Digital Fujian ’ Construction has made positive progress. " Chen Ronghui, full-time deputy director of Fujian Digital Office, said: Next, we will speed up summing up the promotion experience and provide useful samples for comprehensively promoting the construction of digital China.

　　From mobile payment to smart travel, from remote diagnosis to online education … … Since the 18th National Congress of the Communist Party of China, the development of China’s online information industry has always carried out the people-centered development thought, taking the improvement of people’s well-being as the starting point and the end result of informatization development, so that the people can have more sense of acquisition, happiness and security in informatization development.

　　In Dawukou District, Shizuishan City, Ningxia, people can handle nearly 80% of government affairs services through the online service hall of district government affairs or the "handheld government affairs" mobile APP.

　　"For the approval of temporary booths, I used to run for two days. Now I don’t meet or run errands, and I can finish it in about an hour." Dai Kehe, deputy director of Dawukou District Government Affairs Service Center, said that, as requested by the Supreme Leader General Secretary, only by using information technology to promote the openness of government affairs and party affairs, speeding up the promotion of e-government, and building a whole-process integrated online service platform can we better solve the problems of people’s difficulties, slowness and complexity.

　　Concentrate: Strengthen the centralized and unified leadership of the Party Central Committee on the work of online information, and ensure that the cause of online information always advances in the right direction.

　　"Party and government organs and leading cadres at all levels should improve their ability to organize, publicize, guide and serve the masses through the Internet." In his important speech, General Secretary of the Supreme Leader put forward clear requirements for leading cadres at all levels.

　　In recent years, Fuxin Mongolian Autonomous County of Liaoning Province has publicized advanced typical deeds through a series of live webcast activities of "Follow online celebrity", and guided the formation of a good fashion of "striving to be Lei Feng in the new era" and "striving to be a positive energy online celebrity".

　　"This initiative explores new ways and methods for the widespread dissemination of socialist core values on the Internet." Ma Yongsheng, secretary of the county party committee of Fuxin Mongolian Autonomous County, Liaoning Province, said that in the future, according to the requirements of the Supreme Leader General Secretary, we should constantly improve our ability to grasp the laws of the Internet and guide online public opinion, and continue to innovate the means and methods to spread positive energy and carry forward the main theme.

　　Cyberspace is the spiritual home of hundreds of millions of people. General Secretary of the Supreme Leader pointed out that in order to compact the main responsibility of Internet enterprises, the Internet must not be allowed to become a platform for spreading harmful information and spreading rumors.

　　"With the development of the Internet today, it is especially necessary to avoid enterprises from pursuing click-through rates under the pressure of capital and market, and losing their compliance with laws and regulations and their adherence to ethics." Li Ya, CEO of Little Information, said that it is necessary to manage the network, run the network and surf the Internet according to law in accordance with the requirements of the Supreme Leader General Secretary to ensure the healthy operation of the Internet on the track of the rule of law. At the same time, under the premise of ensuring the security of content according to law, we should promote the "supply-side reform" of online content to meet the information needs of people in the new era more evenly and fully.

　　Assess the situation, foresight. In his speech, the General Secretary of the Supreme Leader proposed that "it is necessary to study and formulate the overall plan for the development of talents in the field of network information, promote the reform of the system and mechanism for the development of talents, and let the creative vitality of talents compete with generate and the talents fully flow in", which won wide recognition from network information cadres.

　　"The network letter business represents the new productive forces and the new development direction. It must have the most cutting-edge talents, speak politics, understand the network, dare to take responsibility and be good at innovation." Xuan Yucai, executive deputy director of the Network Information Office of Yunnan Provincial Party Committee, said that since the 18th National Congress of the Communist Party of China, Yunnan has established a comprehensive network governance leadership system with the leadership of the Party Committee, government management and the participation of the whole society.

　　"China is moving from a network power to a network power. If we want to manage the Internet with more than 700 million netizens, our grassroots network cadres are duty-bound and promising." Ruan Jinfeng, deputy director of the Network Evaluation Department of the Network Information Office of Zhejiang Provincial Party Committee, said that we should take the spirit of the important speech of the Supreme Leader General Secretary as a guide, draw a "concentric circle online and offline", constantly promote the practice of the "internet plus mass line", and maximize social consensus, so that the online letter cause can truly reach the hearts of the majority of netizens and become a powerful arm to support the people’s better life.

　　Xinhua News Agency, Beijing, July 21st

Explanation of the Central Committee of the Communist Party of China’s Decision on Further Comprehensively Deepening Reform and Promoting Chinese Modernization

Supreme leader

Comrades:

　　Entrusted by the Political Bureau of the Central Committee, I will explain to the plenary session about the drafting of the Central Committee of the Communist Party of China’s Decision on Further Comprehensively Deepening Reform and Promoting Chinese Modernization.

　　I. Considerations on Determining the Topics of the Plenary Session

　　Planning and deploying reforms around the party’s central task is a successful experience of the party’s leadership in reform and opening up. Proceeding from practical experience and practical needs, the Political Bureau of the Central Committee decided that the Third Plenary Session of the 20th Central Committee of the Communist Party of China should further comprehensively deepen reform and promote Chinese-style modernization, mainly considering the following aspects.

　　First, this is an urgent need to unite people’s hearts and gather strength to realize the central task of the party in the new era and new journey. Practice has fully proved that in the new era of reform and opening up and socialist modernization, China has made great strides to catch up with the times, relying on reform and opening up. Since the 18th National Congress of the Communist Party of China, historic achievements and changes have taken place in the cause of the party and the state, which also depend on reform and opening up. In the new era and journey, to create a new situation of Chinese modernization, we still have to rely on reform and opening up. The 20th National Congress of the Communist Party of China established the central task of building a socialist modernization power in an all-round way, realizing the goal of the second century, and comprehensively promoting the great rejuvenation of the Chinese nation with Chinese modernization, expounded the China characteristics, essential requirements and major principles of Chinese modernization, and made strategic arrangements for promoting Chinese modernization. To put these strategic arrangements into practice and turn the blueprint of Chinese modernization into reality, it is essential to further comprehensively deepen reform, constantly improve various institutional mechanisms, and provide institutional guarantee for promoting Chinese modernization.

　　Second, it is an urgent need to improve and develop the Socialism with Chinese characteristics system and promote the modernization of the national governance system and governance capacity. Since the 18th National Congress of the Communist Party of China, we have highlighted the main line of system construction, comprehensively deepened reform and improved various systems, promoted Socialism with Chinese characteristics’s system to be more mature and stereotyped, and significantly improved the modernization level of the national governance system and governance capacity, providing a strong institutional guarantee for building a well-off society in an all-round way. At the same time, we should be soberly aware that the improvement of Socialism with Chinese characteristics’s system is a dynamic process, which will inevitably develop with the development of practice. The existing system needs to be continuously improved, and new practices in new fields need to promote institutional innovation and fill the gaps in the system. In the face of the new situation and tasks, we must further deepen the reform in an all-round way, continue to improve all aspects of institutional mechanisms, consolidate the foundation, promote advantages, fill shortcomings, strengths and weaknesses, and constantly transform China’s institutional advantages into the effectiveness of national governance.

　　Third, this is an urgent need to promote high-quality development and better adapt to the changes in major contradictions in our society. At present, the outstanding problem in promoting high-quality development is still insufficient development imbalance. For example, the market system is still not perfect, the market development is not fully developed, the relationship between the government and the market has not been completely straightened out, the innovation ability does not meet the requirements of high-quality development, the overall industrial system is large but not strong, and the key core technologies are not fundamentally changed due to people’s conditions, the agricultural foundation is not stable, the gap between urban and rural regional development and income distribution is still large, and there are still shortcomings in people’s livelihood security and ecological environment protection, and so on. To sum up, these problems are the reflection of the changes in the main social contradictions, and they are developing problems. We must further deepen the reform in an all-round way and promote the solution from the institutional mechanism.

　　Fourth, this is an urgent need to cope with major risk challenges and promote the cause of the party and the country to be stable and far-reaching. Promoting Chinese-style modernization is a brand-new undertaking, and all kinds of contradictions and risk challenges will inevitably be encountered on the way forward. In particular, at present, the great changes in the world that have never happened in a century are accelerating, local conflicts and turbulence are frequent, global problems are intensifying, external repression and containment are escalating, and China’s development has entered a period in which strategic opportunities and risk challenges coexist and uncertainties are increasing, and various "black swan" and "grey rhinoceros" incidents may occur at any time. To effectively cope with these risks and challenges and win the strategic initiative in the increasingly fierce international competition, we need to further deepen the reform in an all-round way, use a sound system to prevent and resolve risks, effectively respond to challenges, cultivate new opportunities in the crisis, and open up new opportunities in the changing situation.

　　Second, about the drafting process of the draft decision

　　In November, 2023, the Political Bureau of the Central Committee decided to set up a document drafting group for the Third Plenary Session of the 20th CPC Central Committee, with me as the team leader and Wang Huning, Cai Qi and Ding Xuexiang as the deputy team leaders to undertake the document drafting work under the leadership of The Politburo Standing Committee (PSC). On December 8, the first plenary meeting of the document drafting group was held, and the document drafting work was officially started. In more than seven months, the document drafting group conducted in-depth investigation and study, solicited opinions extensively, carried out special argumentation, and discussed and revised it repeatedly.

　　In the process of drafting the draft decision, we focus on the following points: First, summarize and apply the valuable experience of comprehensively deepening reform since the reform and opening up, especially in the new era, determine the principles to follow, and adhere to the correct political direction. Second, closely focus on promoting Chinese-style modernization and implementing the Party’s 20th strategic plan to further comprehensively deepen reform and adhere to the problem orientation. The third is to grasp the key points, highlight the reform of institutional mechanisms, highlight strategic and overall major reforms, highlight the traction role of economic system reform, and highlight the leading role of reform. Fourth, adhere to the people first, and plan and promote reforms from the overall interests, fundamental interests and long-term interests of the people. Fifth, strengthen system integration, strengthen the overall planning and system layout of reform, so that all aspects of reform can cooperate with each other, coordinate and be efficient.

　　The drafting of this plenary session document has carried forward democracy and brainstormed ideas throughout the whole process. On November 27, 2023, the CPC Central Committee issued a notice to solicit opinions from all sectors in various regions and some cadres and the masses on the topic of the Third Plenary Session of the 20th CPC Central Committee. Everyone agrees that the decision of the Third Plenary Session of the 20th CPC Central Committee to focus on further comprehensively deepening reform and promoting Chinese-style modernization shows the strong determination and strong mission to carry out the reform to the end, and it is a re-declaration of what flag to raise and what road to take in the new era and new journey, which is of great and far-reaching significance for comprehensively promoting the construction of a strong country and the great cause of national rejuvenation with Chinese-style modernization. Various departments and departments in various regions put forward many valuable suggestions on the theme, framework and important measures of the document, which provided an important reference for the drafting of the draft decision.

　　On May 7, 2024, the draft decision was distributed to a certain extent within the party for comments, soliciting the opinions of the old comrades within the party, specifically listening to the opinions of the leaders of the democratic parties, the All-China Federation of Industry and Commerce and representatives of non-party members, and listening to the opinions of relevant enterprises, experts and scholars. Judging from the feedback, everyone agreed that the decision draft closely focused on the theme of promoting Chinese-style modernization, and further comprehensively deepened the reform strategic measures, adhered to the correct political direction, and focused on grasping the major institutional and institutional issues that need to be solved in promoting Chinese-style modernization to plan reforms. The theme is clear, the key points are prominent, and the measures are pragmatic and feasible. It is the general mobilization and general deployment to promote comprehensive deepening reform in the new era and new journey. It fully embodies the historical initiative to improve and develop Socialism with Chinese characteristics’s system and promote the modernization of the national governance system and governance capacity, and will certainly provide strong impetus and institutional guarantee for Chinese modernization. At the same time, various parties put forward opinions and suggestions on the revision of Article 1911. The document drafting group carefully studied these opinions and suggestions, absorbed them as much as possible, and made 221 amendments.

　　During the drafting process, The Politburo Standing Committee (PSC) held three meetings and the Political Bureau of the Central Committee held two meetings for deliberation and revision, resulting in a draft decision submitted to this plenary session for deliberation.

　　III. Basic framework and main contents of the draft decision

　　In addition to the introduction and conclusion, the draft decision has 15 parts, which are divided into three major sections. The first part is the first section, which is a general introduction, mainly expounding the great significance and overall requirements of further comprehensively deepening reform and promoting Chinese modernization. The second to fourteenth parts are the second part, which is a sub-discussion, mainly from the aspects of economy, politics, culture, society, ecological civilization, national security, national defense and the army. The fifteenth part is the third part, which mainly focuses on strengthening the party’s leadership over reform, deepening the reform of the party’s construction system, building a clean and honest party style and fighting corruption. The content items are sorted throughout, with 60 items listed.

　　The draft decision anchors the goal of basically realizing socialist modernization in 2035, focusing on major reform measures in the next five years, and has the following characteristics in terms of content control.

　　First, pay attention to the traction role of economic system reform. Deepening the reform of the economic system is still the focus of further deepening the reform in an all-round way. The main tasks are to improve the system and mechanism conducive to promoting high-quality development, shape new development momentum and new advantages, adhere to and implement the "two unwavering", build a unified national market, and improve the basic system of the market economy.

　　Focusing on the core issue of properly handling the relationship between the government and the market, the draft decision puts the construction of a high-level socialist market economic system in a prominent position and makes arrangements for key areas and key links of economic system reform. Focusing on enhancing the core functions and competitiveness of state-owned enterprises, it is proposed to strengthen the strategic coordination of relevant management departments, promote the optimization of the layout and structural adjustment of the state-owned economy, and promote the state-owned capital and state-owned enterprises to become stronger, better and bigger; Focusing on promoting the development of the non-public economy, it is proposed to formulate a private economy promotion law, strengthen the judicial protection of property law enforcement, and prevent and correct the use of administrative and criminal means to interfere in economic disputes. It is proposed to strengthen the rigid constraint of fair competition review, clean up and abolish various regulations and practices that hinder the national unified market and fair competition, and improve the system and rules of factor market, and so on. These measures will better stimulate the endogenous motivation and innovation vitality of the whole society.

　　The draft decision makes arrangements for improving the system and mechanism for promoting high-quality economic development and promoting the development of new-quality productive forces. Focusing on the development of productive forces characterized by high technology, high efficiency and high quality, it is proposed to strengthen the supply of new fields and new track systems, establish a future industrial investment growth mechanism, lead the optimization and upgrading of traditional industries with the promotion of national standards, and promote the agglomeration of various advanced production factors to the development of new quality productive forces.

　　The draft decision makes arrangements for improving the macroeconomic governance system. Put forward to improve the national strategic planning system and policy coordination mechanism; Promote the reform of the fiscal and taxation system as a whole, increase local independent financial resources, expand local tax sources, reasonably expand the scope of support for local government special bonds, appropriately strengthen the central government’s power and increase the proportion of central fiscal expenditure; Improve the positioning and governance of financial institutions, improve the capital market function of coordinating investment and financing, and improve the financial supervision system.

　　The draft decision makes arrangements for improving the system and mechanism of urban-rural integration development. Put forward and improve the system and mechanism of promoting new urbanization; Consolidate and improve the rural basic management system; Improve the support system for strengthening agriculture, benefiting farmers and enriching farmers; Deepen the reform of land system.

　　The draft decision makes arrangements for improving the high-level opening-up system and mechanism. Put forward the steady expansion of institutional opening; Deepen the reform of foreign trade system; Deepen the reform of foreign investment and foreign investment management system; Optimize the regional open layout; Improve and promote the "One Belt, One Road" mechanism with high quality.

　　Second, pay attention to building an institutional mechanism to support comprehensive innovation. The draft decision promotes the reform of the system and mechanism of educational science and technology talents as a whole, emphasizing deepening the comprehensive reform of education, deepening the reform of the system of science and technology, deepening the reform of the system and mechanism of talent development, and improving the overall efficiency of the national innovation system.

　　In the aspect of educational system reform, it is proposed to promote the reform of colleges and universities by classification, establish a discipline setting adjustment mechanism and talent training mode driven by scientific and technological development and national strategic needs, and urgently need disciplines and majors in extraordinary layout; Improve the mechanism of scientific and technological innovation in colleges and universities and improve the efficiency of transformation of achievements.

　　In the aspect of scientific and technological system reform, it is proposed to strengthen the construction of national strategic scientific and technological forces, optimize the positioning and layout of national scientific research institutions, high-level research universities and leading scientific and technological enterprises, improve the management of scientific and technological plans, and strengthen the forward-looking and leading layout of basic research fields, cross-frontier fields and key fields; Strengthen the dominant position of enterprises in scientific and technological innovation, and establish a mechanism to cultivate and expand leading enterprises in science and technology; Allow scientific research institutions to implement a more flexible management system than ordinary institutions, and explore the implementation of enterprise management; Deepen the reform of empowerment of post scientific and technological achievements.

　　In the reform of the system and mechanism of talent development, it is proposed to speed up the construction of national strategic talent force and improve the quality of all kinds of talents; Improve the mechanism of discovery, selection and training of young innovative talents to better protect the treatment of young scientific and technological personnel; Strengthen the talent incentive mechanism, insist on authorizing the main body of employment and loosening the talents; Improve the support and guarantee mechanism for overseas talent introduction.

　　Third, pay attention to comprehensive reform. Under the framework of promoting the overall layout of the "five in one" and coordinating the promotion of the "four comprehensive" strategic layout, the draft decision plans to further comprehensively deepen reforms and make overall arrangements for economic system reform and reforms in other fields.

　　In the areas of democracy and the rule of law, we have made arrangements to improve the people’s democratic system in the whole process and the rule of law system in Socialism with Chinese characteristics. Put forward to strengthen the construction of the system of people being the masters of the country; Improve the deliberative democratic mechanism; Improve the grass-roots democratic system; Improve the pattern of great United front work. Propose strengthening legislation in key areas, emerging areas and foreign-related areas; Improve the system and mechanism in which supervisory organs, public security organs, procuratorial organs, judicial organs and judicial administrative organs perform their respective duties, and the supervisory power, investigation power, procuratorial power, judicial power and execution power cooperate and restrict each other; Improve the mechanism to promote the construction of a society ruled by law.

　　In the aspect of cultural system reform, focusing on promoting the modernization of material civilization and spiritual civilization, it is proposed to promote the normalization and institutionalization of ideal and belief education and improve the working mechanism of cultivating innovative civilization, practicing civilization and creating civilization; Optimize the supply mechanism of cultural services and cultural products, and establish a mechanism for high-quality cultural resources to reach the grassroots level; Improve the comprehensive network management system; Promote the reconstruction of international communication pattern and build a more effective international communication system.

　　In improving the system of safeguarding and improving people’s livelihood, it is proposed to improve the income distribution system and standardize the income distribution order; Optimize the policy environment of entrepreneurship to promote employment, support and standardize the development of new employment forms; Improve the social security system for flexible employees, migrant workers and new employment forms, and completely cancel the household registration restrictions for participating in employment; Put forward to speed up the construction of a new model of real estate development, and fully give the city governments the autonomy to regulate the real estate market; Put forward to deepen the reform of medical and health system and implement the strategy of health priority development; It is proposed to improve the population development support and service system, improve the birth support policy system and incentive mechanism, improve the policy mechanism for the development of pension undertakings and pension industries, and steadily and orderly promote the gradual reform of delaying the statutory retirement age in accordance with the principles of voluntariness and flexibility.

　　In the reform of ecological civilization system, it is proposed to improve the basic system of ecological civilization, improve the ecological environment governance system and improve the green and low-carbon development mechanism; It is proposed to implement a sub-regional, differentiated and precise eco-environmental management system, improve the compensation mechanism for horizontal ecological protection, implement fiscal, taxation, finance, investment, price policies and standard systems that support green and low-carbon development, and accelerate the planning and construction of a new energy system.

　　Fourth, pay attention to overall development and security. National security is an important foundation for Chinese modernization. The draft decision puts the maintenance of national security in a more prominent position. Focusing on the modernization of the national security system and capabilities, it proposes to build a coordinated and efficient national security protection system and promote the empowerment of national security science and technology; Improve the security system for handling major public emergencies; Establish an artificial intelligence safety supervision system; Explore the establishment of a unified national population management system; Improve the overall prevention and control system of social security, and severely punish illegal and criminal activities that are strongly reflected by the masses according to law. Put forward to establish and improve the coordination mechanism of peripheral security work; Improve the mechanism of anti-sanctions, anti-interference and anti-"long arm jurisdiction"; We will improve the trade risk prevention and control mechanism, improve the foreign-related laws and regulations system and the rule of law implementation system, and deepen international cooperation in law enforcement and justice. Focusing on the continuous deepening of national defense and military reform, it is proposed to improve the leadership and management system and mechanism of the people’s army, deepen the reform of the joint combat system, and deepen the reform across the military.

　　Fifth, pay attention to strengthening the party’s leadership over reform. The leadership of the Party is the fundamental guarantee for further deepening reform and promoting Chinese modernization. The draft decision proposes to improve the implementation mechanism of major decision-making arrangements of the CPC Central Committee; Deepen the reform of the cadre and personnel system, clearly establish the correct orientation of selecting and employing people, vigorously select cadres who are politically competent, dare to take responsibility, are determined to reform, have outstanding performance, and are honest and clean, and strive to solve the problems of cadres’ chaos, inaction, dare not act, and incompetence; Establish and practice a correct view of political achievements, implement the "three distinctions", and encourage cadres to forge ahead and start businesses; Strengthen the political function and organizational function of the party organization; We will improve the system and mechanism for preventing formalism and bureaucracy, improve the mechanism for investigating and treating unhealthy practices and corruption, and enrich effective methods for preventing and treating new and hidden corruption.

　　I hope that comrades will deeply understand the spirit of the CPC Central Committee, discuss closely around the theme of the plenary session, put forward constructive suggestions and suggestions, and jointly hold this plenary session and revise the draft decision.