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　　Core reading

　　Green finance has great potential in supporting environmental improvement, coping with climate change and saving and efficient use of resources. In recent years, Chongqing has always adhered to the concept of "two mountains", focused on developing green finance, established a "Yangtze River Green Financing" green financial big data integrated service system, promoted a long-term mechanism for the docking of government, banks and enterprises, and built a green development system. With the implementation of innovative reform measures, economic benefits and ecological benefits have gradually become prominent.

　　"The crops in the field are not growing well, and the villagers rely on the mountains to eat mountains and stare at the trees on the mountains." Talking about previous years’ experience, Xie Changlin, a villager from Hongan Village, Lantian Township, Chengkou County, Chongqing, shook his head.

　　Seeing the environment getting worse day by day, the government decided to carry out ecological relocation. But there is no money in hand, how can you move out? After learning the situation, Chongqing Rural Commercial Bank developed a new mode of rural property mortgage financing after investigation, and handled "beautiful countryside Housing Loan" for local farmers. With money, farmers transform and decorate their houses, and some people also open farmhouses to attract summer tourists around them and have a tourist meal at their doorstep.

　　From the declaration and creation in early 2019 to the final approval of the green financial reform and innovation pilot zone in August this year, Chongqing’s green development has continuously taken new steps. By the end of September 2022, the balance of green loans in the city reached 497.233 billion yuan, 2.8 times that of the beginning of 2019, up 40.2% year-on-year, 32.5 percentage points higher than the growth rate of various loans in the city; Green loans accounted for nearly 10% of the balance of various loans, a significant increase of 4.5 percentage points compared with the beginning of 2019; The balance of green bonds exceeded 35.7 billion yuan, 2.7 times that of the beginning of 2019.

　　Look at the benefits — —

　　Inclusive effect, green finance and ecological civilization blend and help each other

　　From garbage incineration power generation to sewage treatment, from comprehensive improvement of waterfront coastline to energy-saving and environmental protection transformation, from green transportation industry credit to beautiful countryside housing credit support & HELIP; … In recent years, green finance has become the key development direction of major banks in Chongqing.

　　Fengdu County, located in the hinterland of the Three Gorges reservoir area, is rich in wind energy resources and attracts many wind power projects. The outstanding characteristics of green projects are long term and low income, especially the need for long-term credit funds. "I didn’t pay much attention to wind power a few years ago. With the development of green finance, banks are now rushing to invest. Green finance means quality assets for our bank. " The relevant person in charge of Chongqing Rural Commercial Bank Company told the reporter.

　　In Lianhuashan Wind Farm in Fengdu County, a fan stands on the rolling hills, and the long fan blades are constantly turning. At the beginning of this year, the third-phase wind power project of Lianhuashan and Wudongyan invested by Chongqing Rural Commercial Bank started construction. It is planned to be connected to the grid for power generation by the end of this year, with a total installed capacity of 80,000 kilowatts and a total investment of 600 million yuan. It is estimated that the annual power generation will be 160 million kWh, which can supply green power energy to 80,000 households every year, save 47,000 tons of standard coal and reduce carbon dioxide emissions by 123,000 tons.

　　"We will persist in developing clean energy and build Fengdu into a ‘ Green battery ’ 。” Deng Qinghua, director of the Development and Reform Commission of Fengdu County, told reporters that with the support of green finance, Fengdu will attract investment to introduce a number of clean energy projects, continuously optimize the energy supply structure, and strive to build a clean energy demonstration base in Chongqing by 2035.

　　Look at the practice — —

　　Form a mechanism to solve the problem of project identification

　　"It’s hard to imagine that we were still worried about project funds last year." Standing in the ecological tea garden in Dingshi Town, Youyang Tujia and Miao Autonomous County, Luo Li, the project leader, was filled with emotion. In April, 2021, the project was still in the stage of development and construction, with a large initial investment, and "poor money" became an insurmountable hurdle. Just when there was nothing to do, Chongqing Bank took the initiative to find the door and provided credit support.

　　"Identifying green projects is not an easy job. In the past, several indicators needed to be identified manually, which was very inefficient. " Tian Pan, the account manager of Chongqing Bank, told the reporter, "Now there is ‘ Yangtze River Lvrongtong ’ The system can automatically calculate the environmental benefits of the project, and the efficiency is greatly improved. The ecological tea garden project was pushed to us by the system. "

　　The "Yangtze River Green Financing" in Tian Pankou is a green financial big data comprehensive service system created by Chongqing Business Management Department of China People’s Bank. "We work with the Municipal Development and Reform Commission and the Municipal Bureau of Ecology and Environment to formulate the evaluation criteria for green projects (enterprises). Based on this, we embed the intelligent identification function of green financial standards in the system and release the identified green financing demand information to financial institutions in a timely manner." Han Xintao, deputy director of the Financial Research Department of Chongqing Business Management Department of China People’s Bank, told the reporter, "With this system, in the past, enterprises were looking for banks, and now banks are looking for enterprises."

　　At present, the "Yangtze River Green Financing" system has been connected to all branches under the jurisdiction of Chongqing Business Management Department of the People’s Bank of China and some district and county governments, and connected to nearly 100 financial institutions, helping the city to form a long-term mechanism of "government recommended projects+green smart identification+system push projects+independent docking of banks". By the end of September, 2022, the system had collected and launched 1,860 green projects (enterprises) at the municipal, district and county levels, among which nearly 1,000 projects were successfully connected with banks.

　　Look at development — —

　　Transformation and upgrading, building a green development system

　　"I didn’t expect that pollution rights can also be loaned, and the interest rate is more favorable than general loans." After successfully obtaining the pledge loan of 100 million yuan from Chongqing Bank for emission rights, the relevant person in charge of Chongqing International Composite Materials Co., Ltd. (hereinafter referred to as "International Composite Materials") could not help feeling.

　　International composite materials is a "green factory" in the glass fiber industry assessed by the Ministry of Industry and Information Technology. By introducing advanced waste treatment technologies at home and abroad, pollutants are effectively controlled. After learning that the enterprise has the capital demand to expand the scale of production and operation, the credit staff of Chongqing Bank took the initiative to come to the door to match the emission pledge loan product, which changed the emission right of the enterprise from a "sleeping asset" to a "flowing fund", promoted the enterprise’s energy conservation and emission reduction, and helped improve the ecological environment.

　　"The specific connotation of green finance in different regions should be combined with the actual situation of local industries." Huang Yingjun, a professor at the School of Economics and Business Administration of Chongqing University, believes that "Chongqing is one of the six old industrial bases in China, facing the pressure of transformation and upgrading of traditional industries, and always emphasizes promoting the coordinated development of green industries and green finance."

　　In recent years, Chongqing has made great efforts to innovate mechanisms to promote financial institutions to accelerate the "low-carbon" allocation of financial resources, promote the rapid growth of the scale of green finance, and help the real economy accelerate the green transformation.

　　Relying on self-regulatory organizations in the financial industry, Chongqing advocates financial institutions to disclose environmental information from the perspectives of green financial development plan, green loan investment and carbon emission reduction generated by loans. In 2022, 75 financial institutions in the city disclosed the annual environmental information in 2021, among which 30 institutions added green project loans in 2021 with an average carbon emission reduction of 489,800 tons. At the same time, the data of green loans, green bonds, green financial leases and green bills of financial institutions are collected monthly, and a green performance evaluation table is generated according to the requirements of the Green Finance Evaluation Plan for Banking Financial Institutions of the People’s Bank of China, which is included in the rating of financial institutions of the central bank, and a total of 2 billion yuan of "green easy loans" and 5 billion yuan of "green ticket pass" rediscount tools are provided to encourage them to increase capital investment in green projects.

　　A steady stream of financial living water is constantly helping Chongqing’s industrial transformation and upgrading — — In Chongqing Liangjiang New District, relying on the mature automobile industry system with an annual output of nearly one million units, explore the development of automobile green supply chain finance; In Nan ‘an District, Guangyang Island Zhichuang Eco-city will carry out the construction of financial support zero-carbon demonstration zone; In Wanzhou District, carry out the product innovation of financial support for ecological agriculture and recreational tourism … …

　　"In the future, Chongqing will continue to promote supply-side structural reforms and upgrade traditional manufacturing industries. Green transformation is imperative and green finance has a broad space for development." Huang Yingjun told reporters.

Insisting on exercise is good for physical and mental health. Many friends, because of hard exercise, have healthy bodies. There are still some friends who are unable to act for various reasons. After all, exercise is really: too tired!

What are the benefits of insisting on exercise? Today, we will give you a wave of chicken blood.

01

"I have been running for 5 years, from more than 160 kilograms to 120 kilograms. My high blood pressure, moderate fatty liver and overweight have long since disappeared."

analysis

Exercise is one of the most active and effective methods to prevent obesity, which can not only help control weight and improve physiological function, but also prevent weight rebound and reduce the occurrence of chronic diseases related to obesity.

In addition, adhering to regular exercise can also improve heart function and vascular elasticity, lower blood pressure, reduce inflammatory factors, regulate blood lipids, reduce cardiovascular risk factors, effectively prevent cardiovascular diseases and promote the rehabilitation of cardiovascular patients.

02

"The biggest feeling that insisting on exercise gives me is that I feel energetic every day and my life and work become very relaxed."

analysis

Regular exercise is good for brain health, which can not only cause good emotional and state reactions, but also reduce the release of inhibitory neurotransmitters and delay central fatigue, thus making life more enjoyable and work easier.

03

"After running for three months, the body fat dropped from 30% to 17%. Now you can clearly see the abdominal muscles, and people are much lighter. I will continue to refuel and strive to make myself stronger and healthier. "

analysis

Aerobic exercise belongs to the exercise in which the amount of oxygen consumed and the amount of oxygen absorbed are equal. Long-term and moderate-intensity exercise can increase body fat consumption and is an ideal way to reduce fat.

Three simple steps to master moderate-intensity aerobic exercise easily:

1. Calculate the maximum heart rate: maximum heart rate =205.8- age x0.685.

2. Calculate the moderate intensity exercise heart rate: moderate intensity exercise heart rate =64%~76%* maximum heart rate.

3. Bring heart rate monitoring equipment to control the exercise heart rate in a moderate intensity range.

04

"After exercising, I have a good sleep and can go into deep sleep."

analysis

Exercise can make the brain secrete endorphins, improve the individual’s pleasant experience, release the inner anxiety and pressure, and thus improve sleep. Moderate exercise fatigue can also shorten sleep time, deepen sleep depth and improve sleep quality.

Exercise is helpful to sleep, but strenuous exercise should be avoided 3 to 4 hours before going to bed, otherwise it is likely to have the opposite effect.

These are just the tip of the iceberg. Can you still sit still after reading it?

(Popular Science China)

In the early days of Internet popularization, some people said, "You never know if the computer is a dog." With the development of artificial intelligence, it is hard for you to guess whether the phone is a robot. In daily life, many calls like the above are made automatically by robots. Compared with the mechanical hearing when the keys are guided before, with the iterative update of technology, the voice of outbound marketing robots is getting closer and closer to real people, and even many outbound marketing robots are recorded by real people, which is difficult to distinguish by sound.

Real-life calls are big, and multi-scene applications are effortless.

In order to create a smooth and natural dialogue experience, Wofeng Technology’s AI outbound robot team has made a number of technical adjustments to the robot’s voice:

Special interactive requirements such as interruption, silence, waiting and restatement in the process of communication are configured in a targeted manner to make the dialogue smoother.

03 intelligent noise reduction

By optimizing the ASR acoustic model in various ways, the influence of environmental background sound and channels of different devices on speech recognition in practical application scenarios can be effectively reduced, and the dialogue clarity can be improved.

The technically optimized human outbound robot can be used in various scenarios of enterprises to help enterprises reduce costs and increase efficiency:

01 Intention clue screening

The task of clue screening has the characteristics of high repeatability, high accuracy and difficult training. Wofeng Technology connects the AI outbound robot to the enterprise CRM, and transmits the clues in real time to make outbound calls to help enterprises realize the screening of potential customers. The outbound robot will configure reasonable outbound call time, outbound call strategy and outbound call technique according to the business model to ensure the clue conversion rate.

02 outgoing private domain drainage

According to different business objectives, such as live broadcast and drainage, old customers’ repurchase and promotion, new customers’ operation, etc., different outbound calls are created, carefully polished from sentence length, process connection, tone speed, timbre volume and other aspects, and recorded by real people, so as to strive for humanized user experience and promote drainage marketing.

03 great promotion activity marketing

With the emergence of pain points such as high traffic acquisition cost, low reach range and limited customer precipitation, enterprises seek new solutions. Outbound robots can make batch outbound calls for historical customers or registered members during the promotion period, record user portraits during the outbound call, preset various words, label different people and generate reports, which is convenient for accurate marketing later.

For many enterprises, satisfaction return visit is the key task to reflect their after-sales service, and business opportunities can also be tapped in this process. However, due to the large number of users, the requirements of satisfaction return visit and the difficulty of business opportunity mining speech training, enterprises create work orders through various channels (online/inbound, robot/manual), and after the work order is completed, they automatically create AI outbound call tasks through work order triggers to make a return visit, so as to ensure that user problems are properly solved.

Virtual human technology is a new technology based on artificial intelligence, which has been applied in many fields, such as medical care, education, finance, local life, customer service and so on. In the virtual human technology, Fengping Intelligent and Xiangxin Technology are two famous enterprises.

Xiangxin technologyIs a company focusing on the development of virtual avatars and virtual assistants, and its virtual human technology is mainly used in intelligent customer service, intelligent shopping guide, smart home and other fields. The virtual human technology of Xiangxin Technology mainly has the characteristics of vivid image, friendly interaction and rich expression.

In the virtual human creation module, Xiangxin Technology quickly realizes the creation of high-quality and high-precision digital people with the help of single photo character modeling technology, AI-assisted surrealism modeling technology and deep learning technology. Various virtual human styles including 3D cartoon, 3D surrealism and 2D real people meet the business needs of virtual people in different scenes. At the same time, it supports the face-driven, body-driven and voice-driven driver-interaction of virtual human, and creates a virtual human solution that can be seen, understood, thought, performed and answered for all walks of life.

In contrast, the virtual human technology of Fengping Intelligent is more extensive and can be applied to many fields.Fengping intelligent virtual human technology can realize many functions such as medical diagnosis, education and training, financial management, local service and so on, and it is more advanced and mature in technology.

In the medical field, Fengping intelligent virtual human technology can be used to replace real doctors and do some short video science popularization, intelligent consultation, health management and other things.

In the field of education, Fengping intelligent virtual human technology can be applied to online learning, intelligent tutoring, adaptive learning and other aspects to provide students with more personalized learning services. For example, it is no problem to replace the teacher to complete the repetitive work, or to take the place of the teacher in the online course.

In the financial field, Fengping intelligent virtual human technology can be applied to financial product recommendation, investment advice, risk assessment and other aspects to provide users with more comprehensive and accurate financial services. For example, if the insurer wants to make a short video, he can make a short video in batches through digital avatar, and quickly lay the content.

In the field of local life, Fengping intelligent virtual human technology can replace real bloggers to explore shops. Local life merchants need to turn on traffic, and generally invite real bloggers to visit the store, which is costly and ineffective. If you have a digital person, you can easily bring goods in the field of short video and live broadcast.

To sum up, the virtual human technology of Xiangxin Technology has certain advantages in the fields of virtual avatars, virtual assistants and spokespersons, but it is more comprehensive, advanced and mature in the extensiveness of application scenarios, the maturity of technology and the services and functions that can be provided.

Fengping intelligent virtual human technology can be applied to medical treatment, education, finance, local life, customer service and other fields, providing users with more comprehensive, efficient and intelligent services, with broader application prospects.

In the development of virtual human technology, the maturity of technology, the diversity of application scenarios, the richness of services and functions are all important factors that determine the competitiveness of enterprises. Xiangxin Technology and Fengping Intelligent are constantly promoting the innovation and application of virtual human technology. I believe that more enterprises will join the research and development and application of virtual human technology in the future to promote the continuous development of virtual human technology and provide users with more intelligent and personalized services.

Founded in 2018, Wuhan Xianshi Technology Co., Ltd. is a technology-driven company. Its business segments include shared charging treasure, shared charging pile, unmanned container, life service, aggregate payment business, cloud computing and other industrial fields. With independent development capability, strong technical team, customer service team and rich experience in operation and promotion management, we are committed to the research and development of Internet technology and artificial intelligence equipment.

The city’s fresh technology sharing WiFi pays more attention to landing operation, which means that your customers are the end customers. All you have to do is push the ground, invite the merchants to settle in, and open the Wi-Fi code for the merchants (replace the Wi-Fi in the store). Paste the Wi-Fi code corresponding to the merchant according to the number of tables in the merchant’s store.

The business entry system is also divided into shares, which is quite attractive to developers or platform operators. Entering this area is completed by developers, because developers promote business entry with a share of profits.

For the platform operator, as long as the customers in the store scan the code to link WiFi successfully, you will get a profit, and this part of the profit is calculated automatically. Your profit is settled by Tencent’s traffic, and the following will form the effect of automatic operation. When others connect WiFi, you will get a profit, and the system operator will just enjoy the profit.

Ever since humans realized the importance of robots to human life, they have been focusing on the development of artificial intelligence technology. In these years, the development speed of artificial intelligence technology has been faster and faster, and now there are not only sweeping robots, but even robot attendants.

According to foreign media reports, the humanoid robot developed by a laboratory in the UK appeared in everyone’s sight again. The humanoid robot made a series of human body movements and even smiled in front of the mirror. As soon as the humanoid robot appeared, it was watched by a large number of friends, and its lifelike expressions and actions were once surprising. It can be called the most advanced humanoid robot in the world, and its every move and smile are strikingly similar to others. Once the news spread, it quickly caused a heated discussion among netizens in Guangfa.

After seeing the photos, many netizens will say that if the robot is dressed and put on a hat, it may really think that it is a human being. More people will say that this robot will produce wisdom, and if he has his own wisdom, it will pose a threat to human society. This is not what we are worried about, but what Hawking, a great scientist, once worried about.

Then the question is, if robots are conscious, will they one day replace humans? Will Zeng Lao’s prophecy come true?

Hawking once said when he was alive that he suggested that human beings should not develop robots too vigorously, or they might eventually be destroyed in the hands of robots.

People are conscious, ecstatic, depressed, grateful to those who have helped them, and reflect on their mistakes. People are thinking all the time, producing emotions and thinking all the time. But the robot is not necessarily. After all, it is only controlled by chip technology, and it still depends on people to research and develop it. Humans have the ability to reproduce, but robots haven’t been able to achieve this function yet. There was a famous professor Zeng Lao who boldly predicted that mankind would be destroyed by science and technology. So is the truth really what he said? It is said that science and technology change our lives. How can human beings be destroyed because of science and technology?

It is understood that this humanoid robot developed in the UK can wiggle its shoulders, blink its eyes, even touch its face in front of the mirror, frown and smile. This is not a human being, and the actions it does are what we often do. In addition, we unexpectedly found that the arm joints of humanoid robots are as flexible as those of human beings. If I hadn’t seen its mechanical arm, I would have thought it was a man waving his arm if I had dressed it! However, the walking and moving function of this humanoid robot has yet to be developed. The reason why its facial expression is so realistic is that it is implanted into the human face.

Now, the latest robot developed in the UK is actually regarded as the top robot level. It is the top robot in the world in terms of materials and mechanical technology. Similarly, Japan is also leading in the development of artificial intelligence. Maybe many people know that Japan introduced a beauty robot some time ago, and it can even help Japanese otaku solve their physiological needs. At that time, what they made was very perfect, but they couldn’t make very delicate movements and expressions.

Although technological innovation will bring us infinite convenience, if we rely too much on robots, we will eventually lose our hands-on ability. Robots are artificially developed, developed to serve people and obey human commands. While vigorously developing artificial intelligence, it must be legal and compliant, and robots should be constrained by systems.

According to the current science and technology, it is completely impossible to create robots that are exactly the same as human beings. Robots of this grade can be destroyed instantly even if they have spirituality. What’s more, they themselves are just not too complicated mechanical structures, and they are unlikely to produce spirituality.

Zhongguancun Online Message: Lenovo Interpise Hu Xiaomi’s starting flagship chip is the second time.The first time is two years ago, Snapdragon 855, the responsible person of the Lenovo mobile phone business at that time was still the manner we are familiar with the shopkeeper.

After a year, Lenovo once again grab the first hair of the Snapdragon High-end flagship chip and did the world’s first.Where is Xiaomi?The first Qualcomm flagship chip has suddenly collapsed for many years?

In addition to the high-end flagship chip, the second flagship dragon 870 is also losing from Xiaomikou.This makes us have to doubt, is Xiaomi can’t work?The first shot becomes the first batch. It may be better twice. If it is a regular loss, there is really a problem.