广州蒲典网

() The business review of the Board of Directors in the first half of 2023 is as follows:

　　First, the overall operating situation analysis

In the first half of 2023, the Group conscientiously implemented various national decision-making arrangements and regulatory requirements, adhered to the market positioning of "serving agriculture, rural areas and farmers", serving small and medium-sized enterprises and serving the county economy ",practiced the strategy of" establishing retail businesses, prospering businesses through science and technology, and forcing talents ",deepened the development system of" integrated four-wheel drive "and made every effort to do a good job of" increasing income, preventing risks, optimizing structure and grasping transformation " The total assets were 1,438.351 billion yuan, up 86.490 billion yuan from the end of last year, the balance of deposits was 902.482 billion yuan, up 77.535 billion yuan from the end of last year, and the balance of loans was 673.736 billion yuan, up 41.059 billion yuan from the end of last year. The scale of assets, deposits and loans ranks first in Chongqing. The profit index grew steadily, achieving a net profit of 7.121 billion yuan, a year-on-year increase of 624 million yuan. The asset quality remained stable, and the non-performing loan ratio was 1.21%, down 0.01 percentage point from the end of last year. The provision coverage ratio is 350.87%, the capital adequacy ratio is 15.30%, and the core tier-one capital adequacy ratio is 12.86%, which has strong risk resistance. Ranked 115th in the list of "Top 1,000 Global Banks in 2023" published by Banker magazine, ranked 22nd among the listed banks in China, and ranked first among the national rural commercial banks and central and western banks.

The level of serving the real economy has been continuously improved. Actively meet major strategic opportunities, provide diversified services such as credit, bonds, investment banking, gold rent, wealth management, and support 141 major projects and municipal key projects in Chengdu-Chongqing area, with a credit amount of 108.421 billion yuan and a loan balance of 21.681 billion yuan. Focus on the construction of new land and sea channels in the west, and use special products such as land and sea new channel loans to support the financing balance of foreign trade enterprises along the line of 10.566 billion yuan. The "two increases and two controls" reached the standard in time, and the balance of inclusive small and micro loans was 125.211 billion yuan, an increase of 12.173 billion yuan over the end of last year. The county market continued to be deeply cultivated, and the balance of agricultural loans was 227.289 billion yuan, an increase of 11.664 billion yuan over the end of last year. Constantly enriching the green financial system, it has been included in the scope of financial institutions supporting carbon emission reduction by the People’s Bank of China, with a green credit balance of 57.642 billion yuan.

The effectiveness of digital transformation is constantly emerging. In-depth implementation of digital Chongqing construction and deployment, start digital transformation strategic planning consultation, actively introduce external data sources, and strengthen financial technology innovation and empowerment. Accelerate the layout of digital villages, build a rural revitalization financial service management platform, strengthen the application of special services such as "dialect bank" and "air counter", and make new highlights in government affairs and people’s livelihood services. Formulate R&D technical specifications, build an independent and controllable unified R&D platform, and the digital risk control system is becoming more and more complete. Iterative optimization of online products, integration to create a digital product system "Chongqing Quick Loan+",the balance of online loans was 145.598 billion yuan, and the number of mobile banking users exceeded 14 million, continuously improving service efficiency and customer experience.

Second, the financial review

(A) Analysis of income statement

In the first half of 2023, the Group achieved operating income of 14.866 billion yuan, a year-on-year decrease of 464 million yuan or 3.03%; The net profit was 7.121 billion yuan, an increase of 624 million yuan or 9.61%. After deducting non-recurring gains and losses, the net profit attributable to shareholders of the Bank was 6.799 billion yuan, an increase of 489 million yuan or 7.75%.

1. Net interest income

In the first half of 2023, the net interest income was 12.044 billion yuan, a year-on-year decrease of 747 million yuan or 5.84%. Among them, loan interest income accounted for 58.31% of interest income, up 0.88 percentage points year-on-year.

(1) Net interest margin and net interest rate of return

In the first half of 2023, the Group’s net profit margin was 1.70%, down 21 basis points year-on-year; The net interest rate of return was 1.79%, down 24 basis points year-on-year. From the asset side, on the one hand, LPR continues to be lowered, and the capital market interest rate is lower; On the other hand, the Group reduced fees and profits, effectively reduced the financing costs of enterprises, and the return on assets declined. From the debt side, the Group strengthened the control of deposit cost and effectively reduced the debt financing cost.

Net interest income decreased by 747 million yuan year-on-year, mainly due to the increase of 985 million yuan driven by the change of average balance of assets and liabilities, and the decrease of 1.731 billion yuan affected by the change of average yield and cost rate.

2. Non-interest net income

In the first half of 2023, the Group’s net non-interest income was 2.822 billion yuan, up by 283 million yuan or 11.16% year-on-year, accounting for 18.98% of its operating income, up by 2.42 percentage points year-on-year.

(1) Net fee and commission income

In the first half of 2023, the Group’s net fee and commission income was 992 million yuan, a year-on-year decrease of 47 million yuan or 4.49%. The net fee and commission income accounted for 6.68% of the operating income.

The commission for agency and entrusted business was RMB426 million, up RMB80 million year-on-year, mainly due to the Group’s better growth in product marketing, consignment insurance and other agency business.

Bank card fee income was RMB286 million, up RMB129 million year-on-year, mainly due to the growth of the Group’s merchant business.

The settlement and clearing fee income was 84 million yuan, up 15 million yuan year-on-year, mainly due to the increase in online channel payment fee income.

Other fees and commission income was 326 million yuan, a year-on-year decrease of 38 million yuan, mainly due to the decrease in the lending rate of market bonds.

(2) Other non-interest net income

In the first half of 2023, the Group realized other non-interest income of 1.830 billion yuan, an increase of 330 million yuan year-on-year, with an increase of 21.99%, mainly due to the increase in income from changes in fair value.

Investment income was 1.073 billion yuan, a year-on-year decrease of 206 million yuan, mainly due to the decrease in investment income of trading financial assets.

The net gain from changes in fair value was RMB430 million, up RMB421 million year-on-year, mainly due to the Group’s enhanced market research and rational allocation of trading assets.

The net exchange income was RMB 41 million, a year-on-year decrease of RMB 13 million, mainly due to the decrease in exchange gains and losses of foreign exchange-related businesses caused by exchange rate fluctuations.

The income from asset disposal was RMB 03 million, a year-on-year decrease of RMB 03 million, mainly due to the decrease in the income from the disposal of fixed assets.

Other income was 243 million yuan, an increase of 125 million yuan year-on-year, mainly due to the increase in incentive funds for enjoying the central bank’s policy of supporting small and micro loans.

The income from other businesses was RMB 40 million, an increase of RMB 05 million year-on-year, which remained basically stable.

3. Taxes and surcharges

Taxes and surcharges are mainly related to loans (interest income), securities transfer and income generated by other financial products and services.

In the first half of 2023, taxes and surcharges were 147 million yuan, an increase of 03 million yuan year-on-year, which remained basically stable.

4. Business and management fees

In the first half of 2023, the Group’s business and management fees amounted to 4.639 billion yuan, an increase of 483 million yuan or 11.63%.

The cost-income ratio was 31.20%, up 4.09 percentage points year-on-year.

(1) Staff cost

In the first half of 2023, the staff cost was 2.911 billion yuan, a year-on-year increase of 208 million yuan, mainly due to the increase in staff costs.

(2) Depreciation and amortization

In the first half of 2023, depreciation and amortization amounted to 387 million yuan, a year-on-year decrease of 07 million yuan, which remained basically stable.

(3) Other general and administrative expenses

In the first half of 2023, other general and administrative expenses were 1.34 billion yuan, an increase of 282 million yuan year-on-year, mainly due to the increase in business promotion fees related to business development.

5. Other business costs

In the first half of 2023, the cost of other businesses of the Group was RMB 21 million, an increase of RMB 04 million year-on-year, mainly due to the increase in the operating lease cost of the Group’s operating lease business.

6. Impairment loss

The impairment loss of loans and advances from customers decreased by RMB2.661 billion year-on-year, mainly due to the steady improvement of the Group’s asset quality, and at the same time, the collection and disposal of written-off assets were intensified. In the first half of the year, 1.525 billion yuan of loans written off in the previous period were recovered, which led to the write-back of impairment reserves, so the credit impairment loss in the current period decreased significantly year-on-year. The impairment loss of financial investment increased by RMB694 million year-on-year, and other impairment losses increased by RMB192 million year-on-year, mainly because the Group made forward-looking provision for impairment based on the principle of prudence.

7. Net non-operating income and expenditure

In the first half of 2023, the Group’s net non-operating income and expenditure was RMB 04 million, mainly due to the decrease of the Group’s public welfare donation expenditure.

8. Income tax expenses

In the first half of 2023, the income tax expense was 1.097 billion yuan, a year-on-year increase of 231 million yuan. The actual income tax rate was 13.35%, which was lower than the statutory tax rate of 25%, mainly because the Group continued to optimize its business investment structure on the basis of balancing risks and benefits, and held some statutory tax-free government bonds and local government bonds, thus reducing the actual income tax rate.

(B) Balance sheet analysis

1. Assets

By the end of June 2023, the Group’s total assets were 1,438.351 billion yuan, an increase of 86.490 billion yuan or 6.40% compared with the end of last year.

The book balance of customer loans and advances was 673.736 billion yuan, an increase of 41.059 billion yuan or 6.49% compared with the end of last year. It accounted for 46.84% of the total assets, up 0.04 percentage points from the end of last year. Focusing on the strategic orientation of "establishing a retail bank", the Group increased the credit supply of consumer loans. Help rural revitalization and deepen the practice of inclusive finance. Serve major strategies such as the twin-city economic circle in Chengdu and Chongqing, build a green financial system, and increase support for advanced manufacturing and people’s livelihood.

Financial investment was 614.143 billion yuan, an increase of 41.160 billion yuan or 7.18% compared with the end of last year. The Group continued to increase investment in standardized products, at the same time, continuously enriched the variety of investable products and continuously optimized the allocation strategy. Trading financial assets amounted to 104.147 billion yuan, an increase of 38.311 billion yuan or 58.19% compared with the end of last year, mainly due to the increase in interbank deposit receipt investment. Debt investment was 376.326 billion yuan, a decrease of 24.816 billion yuan or 6.19% compared with the end of last year. Investment in other creditor’s rights was 132.517 billion yuan, an increase of 27.144 billion yuan or 25.76% compared with the end of last year. Investment in other equity instruments was RMB1.154 billion, an increase of RMB521 million or 82.41% compared with the end of last year, mainly due to the increase in investment in other equity instruments received by the Group.

The total amount of cash and deposits with the central bank was 56.968 billion yuan, an increase of 4.074 billion yuan or 7.70% compared with the end of last year, mainly due to the large growth of the Group’s deposits and the corresponding increase in the reserves deposited with the central bank.

The amount of interbank deposits and loans was RMB100.873 billion, an increase of RMB6.206 billion or 6.56% compared with the end of last year, mainly due to the Group’s increased scale of interbank deposits and loans.

Financial assets bought and resold amounted to RMB2.537 billion, a decrease of RMB5.920 billion or 70.00% compared with the end of last year, mainly because the Group reduced the scale of financial assets bought and resold in consideration of liquidity management needs.

(1) Customer loans and advances

As of the end of June 2023, the book balance of the Group’s customer loans and advances was RMB673.736 billion, an increase of RMB41.059 billion or 6.49% compared with the end of last year.

The company’s loans and advances totaled 326.383 billion yuan, an increase of 27.696 billion yuan or 9.27% compared with the end of last year. Among them, short-term loans increased by 635 million yuan and medium-and long-term loans increased by 27.061 billion yuan. The Group helped rural revitalization and increased support in rural tourism, grain industry chain and other fields; Optimize the credit scheme, promote the construction of green finance, and increase the credit supply of emerging industries such as new energy and advanced materials.

Retail loans and advances totaled 295.107 billion yuan, an increase of 12.337 billion yuan or 4.36% over the end of last year. The Group continued to vigorously develop the retail loan business of inclusive finance and consumer finance.

Among them, the total amount of personal mortgage loans was 94.847 billion yuan, a decrease of 2.119 billion yuan or 2.18% from the end of last year.

On the premise of meeting the regulatory requirements, the Group focuses on supporting the reasonable financing needs of residents’ self-occupied houses.

The loans for individual business and re-employment totaled 112.384 billion yuan, an increase of 10.504 billion yuan or 10.31% compared with the end of last year. The Group built a one-stop online financing platform, integrated the advantages of offline channels, boosted the development of personal loan business, and continuously enhanced the advantages of inclusive finance.

Other loans totaled 87.876 billion yuan, an increase of 3.952 billion yuan or 4.71% over the end of last year. The Group optimized its marketing model, improved product adaptability and promoted the development of consumer finance.

The discounted bills were 52.246 billion yuan, an increase of 1.026 billion yuan or 2.00% over the end of last year. The Group increased its support for the short-term financing needs of enterprises.

In the first half of 2023, the Group closely followed the major national and local strategic plans, and made great efforts to serve local economic development and help infrastructure construction projects. By the end of June, 2023, the loan balances of the top three corporate loans of the Group (namely, leasing and business services, water conservancy, environment and public facilities management and manufacturing) were 82.685 billion yuan, 76.465 billion yuan and 64.432 billion yuan respectively, accounting for 12.27%, 11.35% and 9.56% of the total loans and advances of the Group respectively.

(2) Financial investment

By the end of June 2023, the total financial investment was 614.143 billion yuan, an increase of 41.160 billion yuan or 7.18% compared with the end of last year. The Group continued to strengthen market research and actively optimized its investment structure according to market changes.

In the first half of 2023, the Group continued to optimize its financial investment structure, with a total bond investment of 484.295 billion yuan, an increase of 15.606 billion yuan or 3.33% compared with the end of last year.

Step 2 Liabilities

By the end of June 2023, the Group’s total liabilities amounted to RMB1,318.618 billion, an increase of RMB81.773 billion or 6.61% over the end of last year. Customer deposits are the core source of liabilities of the Group, with an increase of 77.535 billion yuan or 9.40% compared with the end of last year; Inter-bank deposits and loans increased by 9.533 billion yuan or 10.19% compared with the end of last year; Issued debt securities decreased by 25.763 billion yuan or 15.06% compared with the end of last year; The amount of financial assets sold and repurchased increased by 11.526 billion yuan, or 27.14%, compared with the end of last year, mainly because the Group adjusted its debt structure according to market conditions; Borrowing from the central bank increased by 7.354 billion yuan, or 8.51%, compared with the end of last year, mainly by actively using the central bank’s monetary instruments and increasing the central bank’s special funds such as supporting agriculture and supporting small loans.

(1) Customer deposits

In the first half of 2023, the Group relied on its channel and retail advantages, and its customer deposits grew steadily. By the end of June 2023, the total customer deposits were 902.482 billion yuan, an increase of 77.535 billion yuan or 9.40% over the end of last year.

From the perspective of customer structure, the company’s deposits were 151.318 billion yuan, an increase of 10.236 billion yuan or 7.26% compared with the end of last year; Personal deposits amounted to 741.462 billion yuan, an increase of 64.111 billion yuan or 9.46% compared with the end of last year, and its proportion in total customer deposits further increased by 0.05 percentage point compared with the end of last year.

From the perspective of term structure, demand deposits were 235.927 billion yuan, a decrease of 14.824 billion yuan or 5.91% compared with the end of last year, accounting for 26.14% of the total customer deposits; Time deposits amounted to 656.853 billion yuan, an increase of 89.171 billion yuan or 15.71% compared with the end of last year, accounting for 72.79% of the total customer deposits.

4. Off-balance sheet items

By the end of June 2023, the off-balance sheet items of the Group mainly included unused credit card lines, acceptance bills, letters of guarantee and letters of credit, with balances of 26.381 billion yuan, 13.059 billion yuan, 1.498 billion yuan and 2.676 billion yuan respectively; The capital expenditure commitments that have been approved but not yet shown on the balance sheet are all approved contracts that have not been signed or fulfilled, amounting to 505 million yuan; Operating lease commitments not included in the measurement of lease liabilities are not significant.

(C) Analysis of cash flow statement

The net cash inflow from operating activities was 20.041 billion yuan. Among them, the cash inflow was 127.686 billion yuan, an increase of 7.764 billion yuan year-on-year, mainly due to the net increase in customer deposits and interbank deposits; The cash outflow was 107.644 billion yuan, a year-on-year increase of 52.215 billion yuan, mainly due to the year-on-year increase in the net increase in financial assets held for trading purposes.

The net cash inflow from investment activities was 6.697 billion yuan. Among them, the cash inflow was 172.348 billion yuan, an increase of 22.682 billion yuan year-on-year, mainly due to the increase in cash received from investment recovery; The cash outflow was 165.651 billion yuan, an increase of 6.842 billion yuan year-on-year, mainly due to the increase in cash paid for investment.

The net cash outflow from fund-raising activities was 30.858 billion yuan. Among them, the cash inflow was RMB113.627 billion, up RMB5.941 billion year-on-year, mainly due to the increase in cash received by the Group in issuing bonds; The cash outflow was 144.486 billion yuan, a year-on-year decrease of 16.673 billion yuan, mainly due to the decrease in cash paid to repay bonds.

(D) Analysis of loan quality

1. Five-level classification of loans

In the first half of 2023, the Group adhered to the bottom line thinking, strictly controlled substantive risks, implemented dynamic classified management, timely collected and disposed non-performing assets, and comprehensively consolidated asset quality. By the end of June, 2023, the balance of non-performing loans of the Group was 8.144 billion yuan, an increase of 427 million yuan compared with the end of last year; The non-performing loan ratio was 1.21%, down 0.01 percentage point from the end of last year, of which the balance of non-performing loans in the main city accounted for 54.70% and that in the county accounted for 45.30%.

2. Loan concentration

(1) Industry concentration and distribution of non-performing loans

In the first half of 2023, the Group fully studied the regulatory policies, strictly implemented the credit investment guidelines, strictly controlled the credit access, and strengthened the monitoring of customers in key areas and key industries. With the gradual economic recovery in the first half of 2023, the balance and non-performing rate of corporate non-performing loans of the Group continued to show a "double decline" trend, and the asset quality continued to improve; The balance of retail non-performing loans has increased, mainly because the operating income of some individual industrial and commercial households and other customers has not been effectively restored, and the solvency is insufficient. The Group classified management according to material risks, and the growth rate of retail non-performing loans decreased year-on-year, and the asset quality remained stable.

(2) borrower concentration

At the end of June 2023, the total loans of the largest single borrower of the Group accounted for 3.83% of the net capital, and the total loans of the top ten customers accounted for 23.28% of the net capital. By the end of June 2023, the loans of the top ten single borrowers of the Group were all non-performing loans.

Third, the main business discussion and analysis

(1) Retail business

Adhering to the development concept of "customer-centered", the Bank strengthened product innovation, built a customer value-added rights and interests system and enriched customer rights and interests around "customer acquisition and drainage, customer viscosity, and excellent customer efficiency". Efforts will be made to promote the promotion of merchant business, optimize the card environment, and accelerate the construction of the BBC financial ecosystem. Maintain the determination of transformation and upgrading, further deepen the retail market, and steadily push the retail business to a new level.

1. Personal deposit and loan business

The increase in personal deposits has reached a new high. We will continue to build a classified management system of "functional, characteristic and scene-based" products, optimize the deposit structure, tap the deposit potential and contribution of key customer groups, create characteristic deposit products and activities, enhance the sense of customer exclusivity, and inject strong momentum into precision marketing. By the end of June 2023, the balance of personal deposits of the Group was 741.462 billion yuan, an increase of 64.111 billion yuan or 9.46% compared with the end of last year, and the total amount of personal deposits and incremental market share remained the first in Chongqing.

The scale of consumer loans has steadily increased. Focusing on the strategic orientation of "establishing a retail bank", we continued to increase retail credit. The balance of retail consumer loans (excluding mortgages and third-party joint loans) was 36.205 billion yuan, a net increase of 5.804 billion yuan compared with the end of last year, ranking first in the city in terms of balance and increment. We launched "Chongqing Express Loan and New Citizen Lease Loan", and the acceptance of "transfer with mortgage" business ranked first in the city, which led to an increase of 1.263 billion yuan in mortgage investment year-on-year. By the end of June, 2023, the loan balance of "billion-level" fist product "Chongqing Express Loan" reached a new high, reaching 16.596 billion yuan, an increase of 5.466 billion yuan compared with the end of last year and an increase of 2.910 billion yuan year-on-year, keeping the balance and increment of similar products first in the city.

2. Bank card business

Debit card business continues to grow. Constantly improve the "Jiangyu" branded debit card product system and continuously improve product functions. By the end of June 2023, the total number of debit cards issued by the Group reached 28,648,900. Among them, there were 12,836,800 rural debit cards with the function of subsidizing remittance fees from different places, and the remittance funds from different places were 31.638 billion yuan that year. The social security card business grew rapidly, with the cumulative social security card issuance exceeding 6 million, and 1,257,900 new cards were issued in the first half of the year, ranking first in the city in terms of card issuance increment.

The credit card business has developed steadily. Vigorously develop installment business, strengthen the construction of merchant scenes, constantly consolidate internal management, effectively control development risks, and maintain rapid growth of credit card business. By the end of June 2023, there were 81,400 new credit card customers, and the credit balance increased by 1.249 billion yuan or 10.06% compared with the end of last year. The transaction amount of merchants was 97.698 billion yuan, up 30.63% year-on-year, and the balance of merchants’ AUM was 68.170 billion yuan, up 16.42% from the end of last year. The LUM balance of merchants was 42.912 billion yuan, an increase of 9.44% over the end of last year.

3. Wealth management business

The quality and efficiency of wealth management business have improved. Strict access standards, optimizing cooperative institutions around the customer’s characteristic rights and interests system; Intensified guest

By the end of June 2023, the sales of agency insurance products reached 1.335 billion yuan, up 21.14% year-on-year, and the commission income of insurance agency business reached 159 million yuan, up 74.73% year-on-year.

4. Customer management

Build a precise marketing service system. Using digital technology to promote the deep mining, labeling management and value re-promotion of customer data, and basically build a multi-dimensional customer labeling system of "subject, behavior and contribution", laying a good foundation for realizing "creating products for customers and finding customers for products". By the end of June 2023, there were nearly 29 million retail customers and 15,370,600 active customers, an increase of 361,100. The number of VIP customers increased by 170,400, with an increase of 6.33%, and the balance of financial assets of VIP customers increased by 50.900 billion yuan, with an increase of 8.48%, realizing the "double increase" of target customers and customers’ contributions.

5. Electronic distribution channels

Promote intelligent and digital marketing. Vigorously expand outbound marketing business and focus on improving service quality and efficiency. During the reporting period, the customer service volume of telephone banking was 3,502,900 tons, and the customer satisfaction rate was 99.21%. Robot intelligent outbound calls were 1,709,100 times, accounting for 90.70% of the total outbound calls; The output value of loan marketing was 635 million yuan, a year-on-year increase of 153.78%.

Transformation and upgrading of mobile banking. Continue to carry out aging transformation, enrich the non-financial functions of helping agriculture, expand the application scenarios of interactive platforms, and improve online payment and financial interactive services. By the end of June 2023, the Group had 14,037,300 mobile banking users, a net increase of 512,500 or 3.79% compared with the end of last year. This year, the transaction amount was 762.624 billion yuan, and there were 44,877,500 financial transactions, with a year-on-year increase of 7.05%.

Transformation and development of corporate online banking. Continue to optimize and upgrade the corporate online banking 4.0 system, and complete the online functions such as loan collection, APP cloud signing, and wealth management signing management to help the company’s financial digital transformation and development. By the end of June, 2023, there were 154,400 corporate online banking customers, with a net increase of 6,500, or 4.24%, compared with the end of last year. The transaction amount in this year was 626.372 billion yuan, and 6,035,000 financial transactions occurred, up by 11.66% year-on-year.

(2) Small and micro businesses

The Bank adhered to the main business of serving the real economy, followed the pace of Chongqing’s economic and social development, seized policy opportunities, further promoted digital transformation and upgrading, and continued to promote the high-quality development of small and micro businesses. By the end of June, 2023, the Bank had 193,100 inclusive loans to small and micro enterprises, an increase of 17,100 compared with the end of last year. The loan balance was 125.211 billion yuan, an increase of 12.173 billion yuan compared with the end of last year, and the growth rate was 4.80 percentage points higher than the growth rate of various loans of the Bank, thus achieving the goal of "two increases". The loan increment and stock of Pratt & Whitney small and micro enterprises continued to rank first in the city, winning the title of "Advanced Unit of Financial Services for Small and Micro Enterprises in 2022", and the supervision and evaluation of financial services for small and micro enterprises continued to maintain the highest level.

Broaden the channels for obtaining customers. Relying on big data, cloud computing, artificial intelligence technology, and taking electronic channels such as micro-banking and mobile banking as carriers, we will build an intelligent working platform for integrated financing services, providing small and micro enterprises and individual industrial and commercial households with one-stop financing services of "scanning code application, product matching, automatic billing and intelligent loan handling" and opening up online customer acquisition channels; Give full play to the advantages of the Bank in many aspects, and further promote the "global marketing of all employees" to help microfinance services reach deeper and cover wider.

Deepen transformation and upgrading. Adhere to the market demand and customer experience as the guide, further promote digital transformation, and create differentiated competitive advantages. In terms of products, we will continue to deepen the multi-party cooperation between the government and banks, build a batch business incubation platform, promote system interconnection and data sharing, and newly launch businesses such as "Qingfeng Loan", "Chongqing Fast Mining Loan" and "Commercial Value Credit Loan", and diversify the customer base through multi-dimensional products. In terms of process, we strengthened technology empowerment, launched mobile survey and image acquisition tools, optimized the functions of "cloud signing", "self-service lending" and "self-service loan renewal", continued to promote the online and intelligent transformation of the loan process, and improved the convenience and experience of micro-financing. In the first half of 2023, small and micro businesses lent over 60 billion yuan through online channels, an increase of over 15 billion yuan year-on-year.

Deepen the market of individual industrial and commercial households. Focus on the characteristics of individual industrial and commercial households, create a platform of "Chongqing Express Revitalization Loan", establish a differentiated model, and create a series of exclusive products such as "Chongqing Express Catering Loan", "Chongqing Express Business Super Loan" and "Chongqing Express Merchant Loan" to enhance product adaptability; Go deep into the concentrated areas of individual industrial and commercial households to carry out policy announcements and visits, strengthen the docking of financing needs, and increase credit supply through intelligent loan channels. By the end of June 2023, loans to individual industrial and commercial households had increased by 16,800 households and 10.583 billion yuan compared with the end of last year.

(III) Business of the Company

Focusing on key areas such as the twin-city economic circle in Chengdu-Chongqing region, the new land and sea corridor in the west, and the construction of key municipal projects in Chongqing, the Bank actively carried out the construction of a green financial system, focused on advanced manufacturing, helped the real economy to become better and stronger, continuously increased its support for rural revitalization, water and electricity supply and other areas that benefit people’s livelihood, gradually improved its international settlement and cross-border service capabilities, and steadily promoted the high-quality development of the company’s business.

1. The company’s deposit and loan business

By the end of June 2023, the balance of deposits of the Group’s companies was RMB151.318 billion, an increase of RMB10.236 billion over the end of last year; The company’s loan balance was 326.383 billion yuan, an increase of 27.696 billion yuan over the end of last year.

Strengthen financial support and serve major strategies. Focusing on the twin-city economic circle in Chengdu-Chongqing area, the new land and sea passage in the west and the key projects at the municipal level, we will establish a joint marketing mechanism between the general branch and the branch in accordance with the requirements of "project, inventory and responsibility", implement the classified management of the list, and enhance the service for major strategic projects. By the end of June 2023, Chongqing’s major projects in 2023 had been fully covered and docked, and 141 major projects in Chengdu-Chongqing Shuangcheng Economic Circle and municipal key projects were supported. The approved credit amount was 108.421 billion yuan, and the loan balance was 21.681 billion yuan.

Implement three "optimizations" to support advanced manufacturing. Optimize industry investment and promote credit resources to tilt towards Chongqing’s "33618" modern manufacturing cluster system industry. Optimize the customer structure and increase the marketing efforts of "specialized and innovative" enterprises. The proportion of financial services in Chongqing specialized and innovative enterprises reached 67.35%. Optimize the credit plan, focusing on promoting the implementation of the "excellent customer promotion plan" for manufacturing enterprises. The total amount of new manufacturing loans accounted for nearly 30% of the total amount of accumulated corporate loans in the first half of the year.

Increase investment in agriculture-related loans to help rural revitalization. Landing the first affordable rental housing project of the whole bank. Promote the integration of agriculture and tourism, further improve the financial services of rural tourism resources, and focus on supporting related projects in rural revitalization demonstration zones. Ensure food security, increase financial support for the grain industry chain, and increase investment in agriculture-related loans to key grain and oil enterprises.

Make good use of policy tools to promote green development. The Bank actively participated in the construction of Chongqing Green Finance Reform and Innovation Experimental Zone. Since 2023, the Bank has been included in the scope of financial institutions supporting carbon emission reduction by the Head Office of the People’s Bank of China, successfully launched the first green bill discount business in the Bank, and received special support from the People’s Bank of China for "Green Ticket Pass" rediscount. By the end of June 2023, the balance of green credit was 57.642 billion yuan, an increase of 8.927 billion yuan or 18.32% over the end of last year.

Scientifically plan transformation and optimize marketing scenarios. Formulate the standard of financing data system, realize the online management of FPA financing total index of corporate customers, and lay the foundation for coordinating the development of total assets business; Further optimize the efficiency of service tools, complete the transformation of online credit application system, and improve credit efficiency; Further optimize the customer structure of the company and promote the effective expansion of key customer groups such as VIP, comprehensive, full-product and active customers; The customer acquisition capacity of the scene was further optimized, the retail lines were linked, and the standardized process of scene marketing was established, achieving 6,628 corporate customers and 810,000 individual customers, with a cumulative payment of over 6.7 billion yuan.

2. Institutional business

Broaden business channels and promote the return of funds. Actively participated in the bidding for cash management of the central treasury, and won the bid for 3 times in total, bringing in 15 billion yuan of foreign funds for Chongqing; Adjust the target customer base, take the initiative to attack and actively market, and make every effort to maintain stability.

The account and deposit marketing of body economic organizations, and the account opening of rural economic organizations accounted for 70.50% of the city.

3. International business

In the first half of 2023, the Bank achieved international settlement volume of US$ 2.35 billion, and settlement and sale of foreign exchange on behalf of customers amounted to US$ 730 million. The transaction volume of foreign exchange funds ranks first among local corporate banks in Chongqing, including inter-bank spot foreign exchange transactions of US$ 2.653 billion and inter-bank far swap settlement and sale transactions of US$ 3.281 billion.

Achieve new breakthroughs in cross-border financing. Innovate the green financial service model and land the first cross-border carbon emission quota pledge financing business in the city. We implemented the facilitation policy of cross-border financing for financial foreign exchange service enterprises, continued to promote the incremental expansion of cross-border loans for science and technology, and provided cross-border financing for five science and technology enterprises with a cumulative amount of 8.28 million US dollars.

Construct dual channels of international settlement. It is the first local corporate bank to directly connect CIPS standard transceiver with API mode to realize the automation, digitization and paperless of cross-border RMB settlement messages, and form a dual-channel settlement system of SWIFT and CIPS.

Help the construction of new land and sea passages in the west. We continued to use financing products such as "land and sea new channel loan" to provide financing support for channel enterprises, and issued a total of 11.4 million yuan of "land and sea new channel loan" for four manufacturing small and micro enterprises. Continue to promote the expansion and increment of "land-sea chain integration", and use the "one-single-system" digital bill of lading of the new land-sea channel and the information interaction function between banks to issue financing of 12,465,000 US dollars.

(4) Financial market business

1. Financial interbank business

During the reporting period, the Bank steadily enhanced its market influence and expanded its brand awareness: it was re-elected as the first-class dealer in open market business in 2023, and it was the only legal entity in Chongqing that was granted the qualification; In the evaluation of the inter-bank local currency market, it has been awarded the honorary award of monthly innovative active traders for many times. In terms of asset-liability allocation, we should give consideration to liquidity and profitability on the premise of ensuring safety, reasonably arrange the speed of opening positions according to the trend of interest rates, make a good multi-level asset portfolio, make good use of the policy advantages of various business varieties, continuously optimize the account book allocation strategy, and explore investment opportunities in different markets; Improve the utilization efficiency of debt resource indicators, step on the rhythm of debt absorption, optimize debt maturity and product portfolio management, and broaden financing channels; Continuously improve the diversification of customer types and continuously reduce the cost of debt. In terms of trading, we will continue to improve research methods and research systems, build professional investment and research teams, focus on fundamentals, policies and technologies, enhance the forward-looking and autonomy of investment and research analysis, select appropriate trading strategies, continuously enrich trading varieties, and continuously increase asset returns.

By the end of June 2023, the balance of the Group’s bond investment was 484.295 billion yuan, including 340.744 billion yuan of government bonds, public institutions and quasi-government bonds, an increase of 13.349 billion yuan compared with the end of last year. The scale of other bonds increased slightly as a whole, including 102.186 billion yuan of AAA1-rated bonds, an increase of 3.720 billion yuan compared with the end of last year, and 2.7 billion yuan of AA+-rated bonds among other bonds.

By the end of June 2023, the book value of the Group’s financial institution bonds was 219.366 billion yuan, including 129.948 billion yuan of policy bank bonds, 54.463 billion yuan of asset securitization products, 32.731 billion yuan of commercial bank bonds and 2.225 billion yuan of bonds issued by other financial institutions.

2. Asset management business

Based on the group’s position, the financial subsidiary devotes itself to serving the national strategy, adhering to the development concept of "keeping integrity, innovating and striving for Excellence", constantly forging core competitiveness, actively responding to market changes and promoting steady development.

Focusing on the three product systems of "Heng, Yi and Xing", the product attributes are dynamically monitored to reach the standard, and a "3+5+N" product matrix is formed, which can more effectively identify customers’ risk preferences and accurately match customers’ investment needs. We will continue to improve the driving mechanism of investment and research, build an investment and research system covering macro, industry, strategy, assets and other multi-dimensional perspectives, implement dividend strategy, create a mixed fixed income and special account for stocks and bonds, deeply participate in the investment of REITs assets, and actively explore the allocation of equity assets on the basis of building a risk bottom line, and drive development with innovation. Strengthen the empowerment of science and technology, build a framework system centered on the three core systems of "asset management system, distribution system and valuation system" and cover 14 types of systems, and innovatively launch a direct selling system to provide customers with more convenient financial services.

3. Investment banking business

Lead underwriting of 11 debt financing instruments for non-financial enterprises, with a total underwriting share of 4.552 billion yuan; The total amount of bonds underwritten by the participating delegations was 69.542 billion yuan; Successfully completed the issuance of the Bank’s 2 billion yuan special financial bonds for agriculture, rural areas and farmers.

4. Asset custody business

In the first half of 2023, the Bank’s asset custody business closely followed the direction of digital transformation, increased investment in system technology, and helped the custody business develop steadily.

(5) Financial technology

Give full play to the effectiveness of organizational structure and promote the overall management of financial technology. Continue to give full play to the effectiveness of the Bank’s "one meeting, one center and one department" 1 financial science and technology organizational structure, give priority to ensuring the talent allocation and resource supply of science and technology lines, maintain steady growth in science and technology investment in the first half of 2023, continue to develop towards the goal of "digital rural commercial bank", and complete 46 project approval projects; A one-stop business demand review meeting mechanism was established, and more than ten online self-operated products were launched, serving over 10 million customers. By the end of June 2023, there were 533 financial science and technology personnel in the Bank, accounting for 3.69%, including 5 doctors, forming an echelon of talents with independent and controllable financial capabilities.

Consolidate the foundation of data center and expand the ability of data value discovery. Promote the application of regulatory data, and develop a one-stop enterprise information fusion query tool. The external data service interfaces have visited more than 100 million times. Promote the construction of data standardization, improve the efficiency and value of data analysis through self-help analysis platform, continuously expand the coverage of data service platform, and continuously improve the accuracy and timeliness of data interaction. Improve the application ability of data analysis, establish various precise marketing models and operational analysis models, and effectively improve the marketing effect and refined management level. Optimize the intelligent data decision-making platform, and continuously improve the professionalism and efficiency of decision-making, with an average of 1.22 million daily decisions and a success rate of 99.90%.

Comprehensively promote the construction of information systems and improve the level of operation and maintenance. Deepen the emergency capacity of Wanzhou Disaster Recovery Center, promote the construction of distributed credit card core system, and complete the second-stage business development. Establish a work order management system for production environment problems and build a rapid response mechanism for production problems. Formulate standardized early warning processing flow, make full use of intelligent operation and maintenance capabilities formed by automatic operation and maintenance platform, application intelligent early warning platform and unified log management platform, and gradually upgrade operation and maintenance means. Carry out Internet penetration testing and strengthen network security risk management.

Create a characteristic "patent pool" and "standard library" to build the core competitiveness of financial technology. In the first half of 2023, a total of 7 invention patent applications were submitted, and 8 invention patents were authorized, with a total of 17 invention patents and 8 software copyrights. Focusing on the application of financial technology, he has participated in the formulation of 7 financial industry standards, 4 of which have been published, participated in the formulation of 19 group standards, 8 of which have been published, and completed the formulation of 11 enterprise standards. Actively participate in the "Leader" activities of enterprise standards, and three enterprise standards were selected into the "Leader" list of enterprise standards in the financial sector in 2022.

(6) County financial business

The county is the main position for the Group to carry out financial services, and the county financial business is the strategic focus of the Group for a long time, and it is also one of the main sources of income. The Group actively exerts its unique advantages such as "being familiar with many aspects, people, places and regions", promotes the application of new technologies such as cloud computing, big data and artificial intelligence, optimizes institutional mechanisms, deepens financial products, strengthens financial services, and takes the advantage of "online+offline" omni-channel services to increase county financial supply and meet the diversified and multi-level financial products and services needs of rural market players. By the end of June 2023, the Group’s loan balance at county level was RMB335.766 billion, accounting for 49.84% of the Group’s loan balance; The balance of deposits in county areas was 647.874 billion yuan, accounting for 71.79% of the Group’s balance of deposits; The balance of the Group’s agricultural loans was RMB227.289 billion, an increase of RMB11.664 billion compared with the end of last year.

1. Channel construction

By the end of June 2023, the Group had set up 5 branches, 26 first-class branches, 122 second-class branches, 1,295 branch offices, 1 community branch and 12 rural banks in the county area, and set up 2,570 deposit and withdrawal machines, 375 self-service cash machines, 59 multimedia inquiry machines and 1,835 intelligent comprehensive counters in the county area, which were completed and put into operation. At the same time, the cooperative outlets of people’s social services will be continuously extended to the county, and the social bank will actively build a "nearby" service circle, set up 104 "nearby" outlets, and deploy 258 business card printing equipment. It launched the first "Social Security Service Matters Entering the Bank" in the city, and connected 20 social security high-frequency services to the intelligent comprehensive counter, so as to facilitate the people to handle social security services nearby and conveniently.

The Bank intensified the construction of county electronic channels and actively marketed Jiangyu Card, Funong Card and Rural Revitalization Card. By the end of June 2023, 22,535,100 debit cards had been issued in counties, accounting for 78.66% of the total debit cards issued by the Bank, including 470,700 rural revitalization cards; There were 11,162,300 mobile banking users, accounting for 79.52% of the bank’s mobile banking accounts, an increase of 414,000 from the end of last year.

2. Business support

The Group pays attention to tapping regional value, taking customers as the center and taking the market as the guide, which effectively contributes to the development of county economy. By the end of June, 2023, personal deposits in county areas were RMB580.043 billion, a net increase of RMB55.589 billion compared with the end of last year, accounting for 78.23% of the Group’s personal deposits. Take various measures to promote the "national debt going to the countryside". The branch where the county area is located underwrites the national debt with a net value of 795 million yuan, accounting for 87.73% of the net sales of the whole bank. Innovate the consumption assistance mode, strengthen the cooperation between banks and governments, and continue to organize the live broadcast of "There are good things in the countryside, and help the revitalization quickly", which has driven the sales of characteristic agricultural and sideline products in county areas by about 2.44 million yuan, effectively empowering rural revitalization.

Focusing on key areas such as helping urban-rural integration and development, agricultural and rural modernization, we will give full play to the role of finance in supporting rural revitalization. Increase rural infrastructure loans, and actively meet the needs of rural transportation, water supply, power supply and other fields of construction funds. Sort out regional characteristics, determine the direction of industrial development, gradually promote the landing of "one county and one loan", and continue to support infrastructure, public service facilities and other projects that consolidate and expand the achievements of poverty alleviation.

The wealth management subsidiary took the lead in launching a series of wealth management products of "rural revitalization", creating a new model of "wealth management+rural revitalization", and providing intimate services of "investing wealth management in leisure time and helping farmers to be busy" for the vast number of rural customers. The cumulative issuance of the series of products exceeded 10 billion yuan, and the survival scale exceeded 8 billion yuan. Golden Leasing Company focuses on supporting cultural tourism ecological engineering, rural revitalization and modern agriculture projects, innovating products and business models, and accurately connecting small and medium-sized micro-entities with customers of agriculture, rural areas and farmers. The balance of leased assets in Chongqing is 16.831 billion yuan, of which counties account for 82.05%. In 2023, the amount of newly leased projects in Chongqing is 3.891 billion yuan, of which counties account for 91.90%.

(seven) the main holding companies.

1. Holding subsidiaries

(1) Rural banks

Chongqing Rural Commercial Bank is the general name of all rural banks initiated and established by the Bank as the main initiating bank. Initiating the establishment of village banks is of great significance for the Bank to implement the rural revitalization strategy, earnestly fulfill its social responsibilities, further enhance the breadth and depth of serving the new rural construction, expand the business development space and build a sustainable profit growth model. By the end of the reporting period, the Bank had established 12 rural banks in 12 counties (autonomous regions and municipalities) in 5 provinces, with a shareholding ratio of not less than 51%, with a total registered capital of 1.662 billion yuan, total assets of 5.096 billion yuan, net assets of 1.876 billion yuan, deposit balance of 2.272 billion yuan, loan balance of 4.255 billion yuan, non-performing loan ratio of 1.19% and provision coverage ratio of 36.19.

(2) Yunongshang Financial Leasing Co., Ltd.

Chongqing Rural Commercial Financial Leasing is a holding subsidiary of the Bank, which was established in December 2014 with a registered capital of 2.5 billion yuan. Mainly engaged in financial leasing business, transfer and transferee of financial leasing assets, fixed-income securities investment business, interbank lending, borrowing from financial institutions, selling and disposing of leased property, brokerage consulting, setting up project companies in bonded areas in China to carry out leasing business, etc. The Bank holds 80% of the shares of Chongqing Rural Commercial Financial Leasing. By the end of the reporting period, the total assets and net assets of Yunong Commercial Finance Leasing were 60.809 billion yuan and 6.621 billion yuan respectively, and the net profit during the reporting period was 634 million yuan.

(3) Yunong Commercial Finance Co., Ltd.

Chongqing Rural Commercial Finance is a wholly-owned subsidiary of the Bank. Founded in June 2020, it is the first financial subsidiary of the national rural commercial bank and the western corporate bank with a registered capital of 2 billion yuan. Mainly engaged in the public offering of wealth management products to the unspecified public, and investing and managing the entrusted investors’ property; Non-public issuance of wealth management products for qualified investors, and investment and management of entrusted investors’ property; Financial advisory and consulting services; Other businesses approved by the State Council Banking Regulatory Authority. By the end of the reporting period, the total assets and net assets of Chongqing Rural Commercial Finance were 2.864 billion yuan and 2.809 billion yuan respectively, and the net profit during the reporting period was 76 million yuan.

2. Major shareholding companies

Chongqing Xiaomi Consumer Finance Co., Ltd. is the second licensed consumer finance company in Chongqing. Founded in May 2020, it is mainly engaged in issuing personal consumption loans with a registered capital of 1.5 billion yuan, and the Bank holds 30% of its shares. By the end of the reporting period, Chongqing Xiaomi Consumer Finance Co., Ltd. had total assets of 16.189 billion yuan and net assets of 1.459 billion yuan.

Four, the key issues of concern in the operation

(1) About the profitability

During the reporting period, the Group achieved operating income of 14.866 billion yuan, mainly due to the decline in net interest margin. The revenue decreased year-on-year, but the decline was narrower than that in the first quarter, achieving a net profit of 7.121 billion yuan, an increase of 624 million yuan and a year-on-year growth rate of 9.61%.

In the first half of the year, the Group adhered to high-quality development as the core, and maintained a good momentum of "three stabilities" in business development. First, the business scale grew steadily. The Group’s assets exceeded 1.4 trillion yuan, an increase of 86.49 billion yuan or 6.40% compared with the end of last year. The loan scale exceeded 670 billion yuan, an increase of 41.059 billion yuan or 6.49% compared with the end of last year. The scale of deposits exceeded 900 billion yuan, an increase of 77.535 billion yuan compared with the end of last year, with a growth rate of 9.40%, and the increment reached a new high. Second, the business structure is "stable and good". The proportion of loans and deposits continued to increase. Loans accounted for 46.84% of total assets, up 0.04 percentage points from the end of last year, and deposits accounted for 68.44% of total liabilities, up 1.74 percentage points from the end of last year. Third, non-interest income "steadily increased". The Group achieved non-interest income of RMB2.822 billion, up RMB283 million year-on-year, with an increase rate of 11.16%, of which financial investment gains and valuation changes increased RMB216 million year-on-year, with an increase rate of 16.76%, mainly due to the Group’s strengthening of interest rate trend judgment, grasping market opportunities, flexibly adjusting trading strategies, strengthening band operation and increasing asset returns.

Looking forward to the second half of the year, the Group will focus on consolidating its customer base and scale advantages, actively seize major strategic development opportunities, continue to promote the process of digital transformation, improve the sinking ability and efficiency of financial services, highlight its own characteristics, build its core advantages and stabilize its performance growth.

First, tap the source of "increment", focusing on tapping the market space of major strategies, rural revitalization, small and micro private enterprises and consumer credit, while strengthening the marketing of scene services, continuously expanding the scale of high-quality assets and liabilities, and stabilizing the leading edge in the deposit and loan market. Second, grasp the key of "increasing income", increase the proportion of deposits and loans, further strengthen pricing management, and enhance the comprehensive return of customers. Improve the service ability of traditional intermediary business, improve the customer product system, optimize the investment layout and trading strategy, and drive the steady growth of non-interest income. Third, lay a solid foundation for "efficiency improvement", strengthen the refined management of financial resources, improve the evaluation mechanism of resource utilization efficiency, increase the inclination of resources in terms of comprehensive contribution to customers and management efficiency improvement, give full play to the leverage of financial resources, and realize the digitalization and intelligence of the whole life cycle of marketing, customer management, pricing management and post-loan management, so as to empower the development of front-line businesses. The fourth is to emphasize the core of "increasing profits", build a management system for non-performing assets, and insist on asking for benefits from non-performing assets. Strengthen the forward-looking asset quality monitoring and control, continuously increase the potential risk assessment, and constantly consolidate the asset quality.

(B) About the net interest margin

In the first half of 2023, the Group’s net interest margin was 1.79%, a year-on-year decrease of 24 basis points and a year-on-year decrease of 18 basis points. Affected by the repricing of floating interest rate loans and the downward trend of market interest rates, the asset-side yield continued to be under pressure. First, the competition for asset placement has intensified, and the superimposed and stable economic policies have continued to exert their strength, driving down the yield of various loans. Second, the real estate market continues to be sluggish, and the superimposed residents’ willingness to consume is weak, and the growth of housing mortgage loans and consumer loans with relatively high returns has slowed down. Third, the market interest rate fluctuated at a low level, and the income level of capital business also declined. Consolidate the advantage of debt volume and price, and the cost of debt has decreased steadily. First, we actively expanded the scale of core deposits, with the proportion of deposits increasing by 1.74 percentage points compared with the end of last year. At the same time, we strengthened the control of high interest-bearing deposit limits and implemented the market-oriented adjustment mechanism of interest rates, and the interest-bearing rate of deposits decreased by 9 basis points year-on-year. Second, according to the trend of market interest rate, flexibly arrange interbank funds and rationally optimize the structure and term of active liabilities. By the end of June, the Group’s debt cost ratio was 2.05%, down 16 basis points year-on-year.

Looking forward to the second half of the year, the Group will continue to optimize the asset-liability structure, strengthen interest rate pricing management, enhance the advantages of core liabilities such as deposits, and strive to stabilize the net interest margin at a reasonable level. On the asset side, relying on multi-scenarios and multi-channels to accurately reach customers, emphasizing the use of featured products, grasping the opportunity of expanding domestic demand to promote consumption, increasing credit supply and stabilizing loan income. At the same time, strengthen the forward-looking judgment of market interest rate, seize market opportunities, enrich trading strategies, do a good job of "product structure and term structure" and stabilize the investment income of financial assets. On the debt side, we should focus on the growth of low-cost core deposits, seize the opportunity of market-oriented adjustment of deposit interest rates, strengthen the control of the volume and price of high-interest deposits, and guide the downward trend of deposit interest-bearing costs. At the same time, combined with the needs of business development, we will expand diversified liabilities and actively use the central bank’s monetary policy tools to keep the debt cost stable and declining.

(3) On the quality of assets

In the first half of 2023, the Group continued to increase its support for local economic development, at the same time, strengthened credit risk monitoring, strictly grasped substantive risks, prudently carried out risk classification management, and made forward-looking provision for impairment, with stable and positive asset quality.

Asset quality maintained a good trend. By the end of June 2023, the latter four types of loans accounted for 2.35%, down 0.16 percentage points from the end of last year. Among them: the non-performing loan ratio was 1.21%, down 0.01 percentage point from the end of last year; Interest-related loans accounted for 1.14%, down 0.15 percentage points from the end of last year. All indicators maintain a good level in the industry.

The quality of corporate loans continued to improve. By the end of June 2023, the balance and NPL ratio of corporate non-performing loans of the Group decreased by 213 million yuan and 0.19 percentage points respectively compared with the end of last year, and the asset quality maintained a good trend.

The growth rate of retail non-performing loans slowed down. In the first half of the year, the growth rate of retail non-performing loans of the Group decreased by 46.92 percentage points year-on-year, and the rate of non-performing loans also showed a year-on-year downward trend. By the end of June, 2023, secured loans accounted for 88.93% of retail non-performing loans, among which mortgage loans and pledge loans accounted for 83.39%, and the coverage ratio of collateral value to loan principal was 1.66 times, which had good risk mitigation ability.

The control of overdue loans is effective. By the end of June 2023, the overdue rate had decreased by 0.02 percentage points year-on-year, and the growth rate of overdue loans in the first half of the year had decreased by 14.84 percentage points year-on-year. Among overdue loans, secured loans account for 86.64%, of which mortgage and pledge loans account for 71.30%, and the coverage ratio of collateral value to loan principal is 1.79 times, which has good risk mitigation ability.

Continue to promote the implementation of the new classification regulations. In accordance with the Measures for Risk Classification of Financial Assets, the Group actively promoted the internalization of external regulations and continuously arranged financial assets. Generally speaking, the potential risk loans have been cleared in an orderly manner in the early stage, and the impact of the new classification rules on the Group’s asset quality is controllable, and the follow-up will be carried out step by step with a smooth transition.

Looking forward to the second half of the year, the Group will continuously optimize the credit structure, continuously strengthen the monitoring and evaluation of financial asset risks in combination with the new classification regulations, and dynamically implement classification management; Accelerate the application of intelligent risk control and improve the level of credit risk management and control; Continue to collect and dispose of non-performing assets. Generally speaking, it is expected that the asset quality will continue to be stable in the second half of the year, and relevant indicators will continue to be controllable and maintain a good level.

(4) About the provision for impairment

The Group has always adhered to the business philosophy of paying equal attention to efficiency and scale, quality and speed, internal control and development, adhering to compliance, prudence and steady operation, strictly implementing the relevant requirements of the Administrative Measures for the Implementation of Anticipated Credit Loss Law of Commercial Banks, following the comprehensiveness, authenticity, prudence, dynamics and matching of impairment provision, maintaining the continuity of provision provision provision provision method, and no major changes have taken place in the provision provision provision provision method. By the end of June 2023, the balance of the Group’s credit risk loss reserve was 31.695 billion yuan, up 1.463 billion yuan from the end of last year, of which the balance of credit asset impairment reserve was 28.573 billion yuan. The provision coverage ratio was 350.87%, and the loan-to-appropriation ratio was 4.24%, which remained at a high level and remained at the forefront of listed banks. The provision coverage ratio of loans overdue for more than 90 days was 483.88%, and the provision coverage ratio of loans overdue for more than 60 days was 434.13%, and it continued to maintain sufficient risk compensation ability.

In the first half of 2023, the Group accrued a credit impairment loss of 1.845 billion yuan, a decrease of 1.774 billion yuan and a decrease of 49.02%. First, the Group’s asset quality improved steadily, corporate non-performing loans continued to "double decline", the credit impairment loss of corporate lines decreased by RMB2.254 billion year-on-year, down by 84.35%, the growth rate of non-performing retail loans slowed down and the rate of non-performing loans decreased year-on-year. Second, the Group intensified the collection and disposal of written-off assets, demanding benefits from non-performing assets. In the first half of the year, the write-off loans in the previous period were recovered, which led to a significant decrease in credit impairment losses in the current period.

V. Risk management

During the reporting period, in the face of changes in the risk situation due to the stabilization and recovery of the domestic economy, the Group strengthened its judgment and proactive response, made great efforts to improve the ability of target control, forward-looking identification, quantitative analysis, monitoring report and efficient disposal of risks, and adhered to the bottom line of preventing and resolving financial risks.

Judge the risk situation and actively strengthen monitoring and analysis. Strengthen asset quality monitoring and index calculation at key time points, carry out dynamic investigation of loans affected by new financial asset classification regulations, formulate step-by-step plans, and effectively link risk classification, impairment provision and bad disposal, so as to clear risks in an orderly manner and achieve a sustained improvement in asset quality and a high level of risk compensation.

Improve the mechanism and measures, and constantly consolidate the management foundation. Formulate annual risk preferences, issue annual risk management opinions, and focus on promoting the implementation of new regulatory regulations such as the Measures for the Risk Classification of Financial Assets of Commercial Banks, the Measures for the Implementation of the Expected Credit Loss Law of Commercial Banks, and the Measures for the Risk Management of Off-balance-sheet Business of Commercial Banks, improving internal regulations and optimizing the system; Continue to increase the authorization of branches, retail, agriculture, rural areas and farmers, and small and micro-benefits; Continue to carry out key supervision and monitoring of business indicators, analyze and summarize risk events of overseas banks and carry out special stress tests; Strengthen the risk assessment of online credit products and establish a closed-loop management mechanism from product innovation, model strategy review to post-operation evaluation.

Strengthen overall planning, and steadily advance digital risk control. The internal evaluation system and model were continuously upgraded, and six peer rating models including banks, securities and insurance companies were optimized; The risk data mart includes information such as customer early warning and risk disposal, further improves the customer risk view, establishes an online risk data analysis center, and realizes visual customization of reports; The large risk exposure system is continuously optimized to provide strong support for the control of credit concentration; Model risk management initially completed the system design, and continued to implement the risk control model management of digital credit products with assessment as the starting point.

In the next step, the Group will take concrete measures from the aspects of "continuously optimizing risk management mechanism tools, actively strengthening various risk monitoring and identification, giving full play to the effect of risk assessment mechanism, and focusing on improving the ability of risk quantitative analysis" to continuously improve the overall risk management level.

(1) Risk management framework

The Bank’s risk management structure consists of the Board of Directors, the Board of Supervisors, the senior management and its authorized relevant special committees, the Risk Management Department of the Head Office, other relevant functional departments, the Audit Department, branches and subsidiaries. The board of directors bears the ultimate responsibility for comprehensive risk management, and a risk management committee is set up to perform the relevant duties of comprehensive risk management according to the authorization of the board of directors. The senior management is responsible for the implementation of comprehensive risk management, implements the resolutions of the board of directors, and sets up a risk management committee to make collective decisions on matters related to risk management. The Board of Supervisors undertakes the supervisory responsibility of comprehensive risk management, and is responsible for supervising and inspecting the performance of the Board of Directors and senior management in risk management and urging rectification.

The Risk Management Department of the Head Office takes the lead in the daily management of comprehensive risks, is responsible for leading the implementation of the comprehensive risk management system, and promptly reports the Group’s comprehensive risks and all kinds of important risks to the senior management. The functional departments of the Head Office bear the direct responsibility for the risk management of their own lines and departments, and are responsible for the specific management of various risks such as credit risk, market risk, liquidity risk and operational risk of the whole bank according to the division of responsibilities. The Audit Department of the Head Office is responsible for internal audit of relevant performance. Each branch undertakes the daily management responsibilities of the overall risk of the bank at the corresponding level. Under the framework of the Bank’s overall risk preference and risk management policy, each subsidiary has established a comprehensive risk management system that is suitable for its own business nature, scale and complexity.

(II) Credit Risk Management Credit risk refers to the failure of the borrower or counterparty of a bank to fulfill its relevant obligations as agreed in the contract for various reasons, which leads to the banking industry.

Risk of loss.

In the first half of 2023, the Group actively implemented government and regulatory policies and guidelines, continuously strengthened support for major projects related to local economic development, and continuously strengthened credit risk management and control. Continuously improve the credit risk management system, issue annual credit investment guidelines, promote the optimization of credit asset structure, promote the digitalization of credit management in an orderly manner, improve the post-lending management mechanism, improve the monitoring dimension and data source of early warning signals, optimize the intelligent post-lending function, and judge credit risks in advance; Do real risk assessment, comprehensively sort out and assess the financial assets in combination with the management requirements of the new risk classification regulations, strictly manage the real risks dynamically, and make adequate provision for impairment. Strengthen the technical support of risk measurement, carry out credit risk stress test, and quantitatively evaluate the risk tolerance level of the Group under various stress scenarios; Strictly control the concentration risk, carry out large-scale risk exposure management, continuously optimize the functions of the large-scale risk exposure system, and promote the application of various functions. By the end of June 2023, the relevant indicators of the Group’s large-scale risk exposure were better than the regulatory standards.

(3) Market risk management

Market risk refers to the risk that the Group’s on-balance sheet and off-balance sheet business will suffer losses due to adverse changes in market prices (interest rate, exchange rate, stock price and commodity price, etc.). The market risks faced by the Group include interest rate risk and exchange rate risk. The purpose of market risk management is to maintain the potential market risk losses within the tolerable range of the Group and maximize the risk-adjusted income through monitoring and other measures.

The Group actively manages the interest rate risk and exchange rate risk of the Group in accordance with the regulatory requirements and with reference to the relevant requirements of the New Basel Capital Accord, and has established a market risk management system through measures such as authorization, credit granting, risk limit regulation, monitoring and reporting.

In the first half of 2023, the Group continuously improved its ability to actively manage market risks: First, it formulated the annual market risk limit plan, according to

Rate and exchange rate judgment, regularly carry out business analysis on economic fundamentals, financial data and market risks, and report to the senior management and the board of directors to provide a basis for decision-making; Fourth, promote the construction of market risk management system as planned, and constantly improve the digital and refined level of market risk management.

1. Interest rate risk analysis

Interest rate risk is the main market risk faced by the Group. In terms of bank books, the Group regularly measures the interest rate sensitivity gap, evaluates the interest rate risk through gap analysis, and further evaluates the impact of interest rate changes on economic value and net interest income under different interest rate scenarios. The stress test results show that the interest rate risk of bank books is controllable. In terms of trading books, the Group monitored the valuation and quota implementation of bond business on a daily basis, and there was no trigger limit in the first half of 2023.

In the first half of 2023, liquidity in the banking system maintained a reasonable and abundant overall, superimposed on the weak repair of endogenous kinetic energy in the domestic economy, and the 10-year national debt interest rate broke through 2.635%; Monetary policy remained flexible and moderate. In the first half of the year, the central bank successively lowered the RRR and cut interest rates, and the shibor interest rate of each term showed a large downward trend. It is expected that the domestic economic recovery will continue to pick up in the second half of the year. The Group will pay close attention to the recovery of macroeconomic policies and economic fundamentals, improve the forward-looking interest rate risk management, strengthen the differentiation and refined pricing of internal and external interest rates, and ensure the continuous improvement of the Group’s income and market value.

3. Analysis of exchange rate risk Exchange rate risk mainly comes from currency mismatch between assets and liabilities of the Group and capital and currency head caused by foreign exchange transactions.

Inch mismatch. The Group mainly uses foreign exchange exposure analysis and sensitivity analysis to measure exchange rate risk. The Group is mainly engaged in RMB business, with specific transactions involving USD and EUR, with few transactions in other currencies. Foreign currency transactions are mainly the Group’s self-operated and valet spot business, self-operated and valet swap business and valet forward business.

In the first half of 2023, the exchange rate of US dollar against RMB rose sharply, mainly due to the different economic cycles and opposite monetary policies of China and the United States, and the slowdown of domestic economic recovery, which deepened the upside-down spread between China and the United States. By the end of June, the spot exchange rate of USD against RMB in the inter-bank foreign exchange market had closed at 7.226, up by 3.75% compared with the end of last year. With the appreciation of USD, the Bank appropriately increased its USD exposure compared with the end of last year, with a total foreign exchange exposure of 620 million yuan, and the overall foreign exchange risk was controllable. The Group will continue to pay attention to the global economic situation, strengthen the research and judgment on the exchange rate trend, rationally allocate local and foreign currency assets, improve the foreign exchange exposure risk management ability and foreign exchange assets and liabilities management level by strengthening the dynamic management of foreign exchange deposit and loan scale and rationally arranging the use of foreign exchange funds, and actively explore the use of exchange rate derivative financial instruments to hedge exchange rate risks.

(4) Liquidity risk management

Liquidity risk refers to the risk that sufficient funds cannot be obtained in time at a reasonable cost to pay off debts due, fulfill other payment obligations and meet other capital requirements for normal business development. The objective of the Group’s liquidity risk management is to ensure that the Group can meet the liquidity demand and fulfill its external payment obligations caused by assets, liabilities and off-balance sheet business in a timely manner, maintain the overall safe and steady operation, protect depositors’ interests and effectively balance the efficiency and safety of funds under normal operating environment or stress.

The Board of Directors of the Group bears the ultimate responsibility for liquidity risk management. The Asset-Liability Management Committee and the Risk Management Committee under the senior management are responsible for formulating policies and strategies related to the overall management of the Group’s liquidity risk. The Asset-Liability Management Department, the Risk Management Department, the Fund Operation Department, the International Business Department and other relevant departments and offices cooperate with each other to form an organizational structure of liquidity risk management with division of labor, clear responsibilities and efficient operation.

The Group ensures payment through continuous monitoring and management of bank-wide positions. Strengthen the monitoring of liquidity risk, and combine the use of FTP internal fund transfer pricing system to improve the management level of fund scheduling within the system. The Group updated the liquidity risk stress test scenario annually and conducted the liquidity risk stress test quarterly to test the Group’s risk tolerance under extreme pressure. The results showed that the difficulty of liquidity risk management under the stress scenario increased, but it was still within the controllable range.

Adhering to the prudent and compliant business philosophy, the Group continued to optimize the asset-liability structure, formulated and implemented the liquidity risk appetite and limit control plan for 2023, carried out forward-looking liquidity risk indicators calculation in combination with the external environment and internal business changes, deployed and dynamically adjusted liquidity risk management strategies in advance, and promoted the liquidity risk indicators to meet the standards continuously. Continue to strengthen the daytime liquidity risk management, improve the liquidity risk management information system, strengthen the monitoring and control of high-quality liquidity assets, and promote the implementation of refined management.

In the first half of 2023, the macro-policy adhered to the principle of stability and progress, and the overall economic operation improved. The prudent monetary policy is precise and powerful, the countercyclical adjustment is intensified, the total liquidity is kept in line with the market demand, and liquidity in the banking system is generally reasonable and abundant. The Group strictly implemented the liquidity risk limit control mechanism, maintained a good liquidity level, and all the main indicators reflecting the liquidity status of the Group met the regulatory requirements.

Qualified high-quality liquid assets refer to all kinds of assets that can be quickly realized in the financial market without loss or minimal loss through sale or mortgage under the pressure scenario set by liquidity coverage ratio. The net cash outflow in the next 30 days refers to the difference between the expected total cash outflow and the expected total cash inflow in the next 30 days under the stress scenario set by liquidity coverage ratio. The total expected cash outflow is the sum of the products of related liabilities and off-balance-sheet items and their expected turnover rate or withdrawal rate under the stress scenario set by liquidity coverage ratio. The total expected cash inflow is the sum of the product of the balance of contractual receivables on and off the balance sheet and its expected inflow rate under the stress scenario set by liquidity coverage ratio. The total expected cash inflow that can be included shall not exceed 75% of the total expected cash outflow.

(V) Operational risk management

Operational risk refers to the risk of losses caused by imperfect internal procedures, information technology systems or problematic personnel and external events. Based on the principle of comprehensiveness and prudence, the Group implemented operational risk management strategies that matched the asset scale and business complexity under the comprehensive risk management system and followed the overall risk preference.

During the reporting period, the Group continuously improved its operational risk management system, strictly guarded against major operational risk events, and strived to achieve comprehensive identification and effective control of operational risks. First, continuous monitoring and identification of operational risks. Continuously optimize the monitoring system of key risk indicators, collect indicator data and risk loss data regularly, and lay a solid foundation for risk measurement. The second is to comprehensively evaluate and improve risk control measures. Through post-system evaluation, identify and sort out the key risk links in various business management activities, update and optimize risk control measures, and improve management capabilities.

The third is to carry out a number of risk investigations. Organize special investigations on anti-money laundering, employee behavior, illegal fund-raising risk and case risk, daily supervision afterwards, special inspections on cash receipt and payment and anti-counterfeit currency business, and continuously strengthen risk prevention in key areas. The fourth is to consolidate business continuity management. Make a drill plan as a whole, carry out a centralized switching drill of the new remote disaster recovery center system, verify the business takeover ability of the disaster recovery center, and effectively guarantee the stable operation of the whole bank’s business. Fifth, strengthen outsourcing risk management. Organize the special risk assessment of information technology outsourcing and the risk investigation of outsourcing business lines, evaluate the risk status of all aspects of outsourcing business, and continuously improve the quality and efficiency of outsourcing risk management.

(VI) Reputation risk management

Reputation risk refers to the risk that the Group’s operation, management and other acts or external events lead to negative comments on the Group by stakeholders, the public and the media, thus damaging the brand value of the Group, which is not conducive to the normal operation of the Group, and even affects market stability and social stability.

During the reporting period, the Group established and improved the reputation risk management mechanism, and further strengthened the classified management of reputation risk, customer emergency and complaint handling, emergency handling of sudden public opinion, information release process management, and standardized management of publicity work. At the same time, we will continue to do a good job in public opinion monitoring and disposal, actively and effectively prevent reputation risks and respond to negative public opinion events, and actively safeguard the Bank’s good market image in order to achieve the overall goal of reputation risk management.

(VII) Information Technology Risk Management

Information technology risk refers to the operational, legal and reputation risks arising from natural factors, human factors, technical loopholes or management defects in the process of using information technology.

During the reporting period, the Group continued to improve the information technology risk management system and enhance the efficiency of information technology risk management, and no major information technology risk events occurred. The first is to optimize the institutional system. Update the implementation rules of information technology risk assessment, further standardize all aspects of information technology risk assessment, and improve the comprehensiveness, effectiveness and operability of the system. The second is to strengthen operation and maintenance control. Strengthen 7×24 operation and maintenance duty management, do a good job in network security at important points such as New Year’s Day, Spring Festival and "two sessions", and effectively maintain the stable operation of important businesses. The third is to implement evaluation and monitoring. Set up an expert group to implement the risk assessment link before the construction of important information system projects, regularly carry out information technology risk monitoring and analysis, and timely find and deal with potential risks.

(8) Money laundering risk management

The Group earnestly implemented the spirit of Chongqing Anti-Money Laundering Work Conference, consolidated the foundation of performing its duties, and improved the effectiveness of preventing money laundering risks.

During the reporting period, the Group strictly implemented the regulatory requirements for anti-money laundering, actively responded to the work deployment, revised the internal control system for anti-money laundering, optimized the system functions, held a joint anti-money laundering meeting, promoted synergy, normalized data governance and supervision and management, strengthened training and publicity, improved the initiative, consciousness and enthusiasm of all staff in anti-money laundering performance, promoted the transformation of anti-money laundering work to "risk-oriented", actively cooperated with the three-year action to crack down on money laundering crimes, and constructed a new development pattern of anti-money laundering work.

(9) Information on internal audit

The Group established and improved the internal audit system in accordance with laws and regulations. The internal audit works under the leadership of the Party Committee and the Board of Directors, and is responsible for and reports to them. The board of directors is responsible for establishing and maintaining a sound and effective internal audit system to ensure the full independence of internal audit. The internal audit institution is equipped with full-time auditors, and the internal audit personnel configuration meets the regulatory requirements.

During the reporting period, the internal audit adhered to the goal of service organization, paid equal attention to post supervision and prevention in advance, strengthened risk judgment, highlighted audit key points, completed audit projects, and further improved the level of audit supervision. Keep integrity and innovation, continuously improve the internal control evaluation system, form an objective and fair evaluation conclusion, give play to the role of encouragement and guidance, and promote the realization of internal control objectives. Strengthen the application of audit results, further promote the three rectification mechanisms of linkage rectification, audit supervision and evaluation, promote the implementation of national policies, regulatory requirements and the strategy of the Head Office, and help the Bank to develop with high quality.

(X) Related party transactions

During the reporting period, the Bank continuously improved the management of related party transactions according to the requirements of listed banks. Strengthen the management of related party list, regularly collect information from related parties, dynamically manage and update the list in time, strengthen the identification of related parties, and build a solid foundation for related party transaction management. Strictly review and approve related party transactions, control the compliance risks of related party transactions, standardize the implementation of related party transactions review and disclosure standards, and timely fulfill the obligation of filing or submitting related party transactions. Strengthen the control of concentration of related party transactions, regularly monitor the concentration indicators of major shareholders and related parties of the Bank to prevent concentration risks, and all relevant indicators met the regulatory requirements during the reporting period.

1. Related party transactions related to daily operations

During the reporting period, the Bank conducted related party transactions in accordance with regulatory requirements and the Bank’s Measures for the Administration of Related Party Transactions, and the pricing was fair, which was in line with the overall interests of the Bank and shareholders.

(1) According to the relevant regulations of China Banking and Insurance Regulatory Commission, China, 4 major related party transactions were approved during the reporting period, which were awarded at the end of the reporting period.

The net amount of letters was 16.408 billion yuan.

(2) According to the relevant regulations of the Shanghai Stock Exchange, during the reporting period, the Bank granted loans to related natural persons under the relevant regulations of the Shanghai Stock Exchange.

The balance is 10,441,000 yuan.

On April 27th, 2023 and May 25th, 2023, respectively, the 28th meeting of the 5th Board of Directors and the 2022 Annual General Meeting of Shareholders of the Bank reviewed and passed the Proposal on Reviewing Related Transactions of Chongqing Yufu Capital Operation Group Co., Ltd. and its Related Parties, the Proposal on Reviewing Related Transactions of Chongqing Urban Construction Investment (Group) Co., Ltd. and its Related Parties, and the Proposal on Reviewing Related Transactions of Chongqing Development Investment Co., Ltd. In the case, it was agreed to grant a comprehensive credit line of 9,942,330,000 yuan to Chongqing Yufu Holding Group Co., Ltd., 17,500,000,000 yuan to Chongqing Urban Construction Investment (Group) Co., Ltd. and 17,500,000,000 yuan to Chongqing Development Investment Co., Ltd., all of which have a credit period of one year.

VI. Capital Management

The Group implements comprehensive capital management, including capital management policy formulation, capital planning, capital adequacy ratio management plan, capital measurement, internal capital adequacy assessment, capital allocation and capital assessment management. The objective of the Group’s capital management is to effectively balance the supply and demand of capital, strengthen the restraint and guidance of capital on business, keep the capital level continuously higher than the regulatory requirements, and reserve a certain margin of safety and buffer zone.

In the first half of 2023, the Group continued to promote the refinement of capital management, formulated and implemented the capital plan for 2023-2025, rationally arranged the risk-weighted asset plan, adjusted the business structure, improved the efficiency of capital use, maintained sustained capital growth, further consolidated the bank’s capital strength and continuously enhanced its ability to serve the real economy. During the reporting period, various capital indicators performed well, which provided a strong guarantee for the steady development of the Group’s business and the implementation of the strategy.

(1) Capital adequacy ratio

The Group calculates the core tier-one capital adequacy ratio, tier-one capital adequacy ratio and capital adequacy ratio according to the Capital Management Measures of Commercial Banks (Trial) of China Banking and Insurance Regulatory Commission, China, in which the credit risk is measured by the weight method, the market risk is measured by the standard method and the operational risk is measured by the basic index method. The calculation scope of capital adequacy ratio includes all branches of the Bank, affiliated village banks, leasing companies and wealth management subsidiaries.

By the end of June 2023, the Group’s capital adequacy ratio was 15.30%, down by 0.32 percentage points from the end of last year; The core tier-one capital adequacy ratio and tier-one capital adequacy ratio were 12.86% and 13.57%, respectively, down by 0.24 and 0.27 percentage points from the end of last year.

The Group’s capital adequacy ratio at all levels decreased slightly compared with the end of last year, which was mainly due to the fact that the growth rate of net capital was lower than that of risk-weighted assets due to the full deduction of core Tier 1 capital from shareholders’ dividends in the previous year in the second quarter.

(II) Leverage ratio

The Group measures and discloses the leverage ratio in accordance with the Measures for the Administration of Leverage Ratio of Commercial Banks (Revised).

By the end of June 2023, the leverage ratio of the Group was 8.09%, down by 0.18 percentage point from the end of last year, mainly due to the fact that the growth rate of net Tier 1 capital was lower than the growth rate of assets on and off the balance sheet.

VII. Outlook

(A) the industry pattern and trends

In the first half of 2023, China’s economy continued to recover and industrial upgrading achieved remarkable results. GDP increased by 5.5% year-on-year, the contribution rate of added value of service industry to economic growth reached 66.1%, and the per capita disposable income of national residents actually increased by 5.8%. The speed of economic recovery is in a leading position among the major economies in the world. In the second half of the year, China will intensify macro-policy regulation and control, focus on expanding domestic demand, boosting confidence and preventing risks, and constantly promote the sustained improvement of economic operation, the continuous enhancement of endogenous power, the continuous improvement of social expectations and the continuous resolution of potential risks, so as to promote the sustained economic recovery and strive to achieve the annual development goals.

As far as Chongqing’s regional economy is concerned in the same period, the city adheres to the general tone of striving for progress in stability, and strives to promote high-quality development. The policy effect of steady growth, stable employment and stable prices continues to appear, and the economic operation maintains a recovery trend. The city’s regional GDP reached 1.43 trillion yuan, up 4.6% year-on-year, and the per capita disposable income of residents increased by 5.3% year-on-year. The city has promoted the "No.1 Project" in the economic circle of Chengdu-Chongqing twin cities, with a total investment of 241.1 billion yuan, up 17.3% year-on-year, accounting for 54.7% of the annual investment plan. In the second half of the year, Chongqing will focus on the "33618" modern manufacturing cluster system, accelerate the shaping of Chongqing’s new business card of "digital manufacturing and smart industry", and promote the effective improvement of economic quality and reasonable growth of quantity.

(II) Development strategy and business plan of the company

The Bank will continue to push forward the strategy of "establishing retail business, developing business through science and technology, and forcing talents", focusing on building an integrated four-wheel drive development system, promoting the "three changes" of the Bank through comprehensive digital transformation, and taking the road of stable and high-quality development. First, consolidate and improve the financial ecology and focus on strengthening the main body of "big retail". We will make every effort to improve the service ability of rural revitalization and inclusive finance and the sense of gaining the subject of micro-market, highlight the recognition of county financial brands, strengthen the construction of ecological scenes, establish and improve the online product system, and maximize the development space of "big retail". Second, continue to strengthen linkage and integration, and constantly enhance the role of "four drives". The company’s financial business should strengthen coordinated marketing, cultivate the competitiveness of the company’s financial market, improve the digital level of the company’s business, create comprehensive services and enhance comprehensive returns. Financial market business focuses on improving investment and research ability and trading ability, reasonably matching product scale and term, and enhancing trading contribution. Financial technology focuses on business and technology integration and innovation, continuously promotes the optimization and upgrading of science and technology systems, and enhances the support ability of technology to business. Pay attention to the introduction of talent team, shape all employees’ innovative, research-oriented, digital and market-oriented thinking, build a full-featured and compound team, and promote the transformation and development of the whole bank. The third is to adhere to the digital transformation of science and technology empowerment and enhance the new vitality of modern finance. On the one hand, fully integrate into the construction of digital Chongqing, strengthen the cooperation between government and banks, expand high-quality government digital resources and improve service efficiency. On the other hand, fully implement digital genetic transformation and promote digital transformation of business model, management process and organizational structure.Further improve efficiency, optimize experience, enhance competitiveness, and promote better development of the whole bank. The fourth is to sort out the optimization mechanism process and effectively improve the management vitality. Fully lay a solid foundation for risk prevention and control, focus on stabilizing asset quality, and serve the steady development of the whole bank’s business; Solidly promote key reform tasks, continuously improve the efficiency of resource allocation, and effectively broaden the coverage of financial services.

Under the management of the original property management company, the overall environment of Tianfeng Huafu Community is quite clean, and the children’s facilities are relatively new.

The daily operation of urban residential quarters is inseparable from the management and service of property companies, and good management is related to the owners’ sense of acquisition, happiness and security. For a long time, most communities have handed over property management to specialized property companies. On May 1 this year, the owners’ committee of Tianfeng Huafu Community in Tashan Street, Yuecheng District "fired" the property company and adopted the owner’s self-management mode to become the "housekeeper" of the property. In fact, nearly 40 residential property services in Yuecheng District have embarked on the road of "autonomy". What is the operation of this property management model? The reporter conducted a survey.

After ten years of service, I was suddenly "fired"

Tianfeng Huafu Community, located on Toulaohe Road in Yuecheng District, is not large in scale, with only 16 buildings and 184 households. It was completed in 2005. From the aspects of building quality, geographical location and school district resources, Tianfeng Huafu is a leader in the same age community. However, to the surprise of the owners, from May 1 this year, the fourth owners’ committee of the community changed the original property management mode, and chose the owner’s "autonomy" mode instead of hiring a property company to manage the property.

A few days before May, the management office of the property company has closed its doors.

On the eve of May 1 ST, the reporter came to the community, and two security guards sat at the gate, and did not ask the reporter to register. Walking into the community, the reporter saw that many stone slabs on the road were loose; In the green belt, trimmed branches are piled up, and some of them are completely withered. However, the environmental sanitation of the community is good, and private cars are parked in an orderly manner.

On the door of each unit building, there is a "thank you letter" written by "Xinyi Property" to the owner. "After the expiration of the contract on April 30, 2023, we will no longer hire our company to implement residential property management, so our company will withdraw from residential property management on May 1, 2023. Tianfeng Huafu Community is the first community to implement management after the establishment of the company, and it has also been the longest community to implement management. It is the starting point for the company to start its business and the birthplace of continuous growth and growth. On the occasion of farewell, I would like to express my deep gratitude to the owners … "The sincere words reveal the feelings of the property company.

The property company was suddenly "fired", causing quite a stir among the owners. Some owners said that the service of the property management company was not bad as a whole, and there was no particularly unpleasant thing with the owners. It was difficult to understand that it was suddenly not hired. Some owners also said that the property company’s service is so-so, especially in the maintenance of public facilities, such as untimely greening and pruning, poor lighting in the basement, etc. Now the owners have high requirements for property services, and it is understandable to change the management mode.

Regarding the "autonomy" of the owners in the community, the members of the owners’ committee declined the interview. "The work of’ autonomy’ has just started. After it has achieved results, we welcome media attention." One member said. However, the owners are full of expectations for "autonomy": they hope that the residential property services will become more and more perfect and the property management will become more and more standardized and orderly.

Mr. He, the person in charge of "Xinyi Property", said that they have served in Tianfeng Huafu Community for 10 years, and the property fee has never risen. The collection rate of property fee is close to 100%, which fully shows that the quality of their service has been recognized by the owners. This time, he was suddenly dismissed by the owners’ Committee. He was really sad. After all, he had deep feelings with the owners for so many years. In fact, the public facilities in Tianfeng Huafu Community are getting worse and worse. Over the years, they have invested a lot in maintenance, but it is difficult to satisfy all owners with property services. "Although we quit the residential property management, we will come back as long as the owners need it." Mr. He said.

Exploring autonomy in four communities of Jishan street

It’s not the first time that Tianfeng Huafu Community’s property management has embarked on the road of owner’s "autonomy". Many communities in Yuecheng District have chosen this management mode, and some have explored some experiences.

Walking into Qin Wang Jiayuan Community, the south street of Yuecheng District, I saw clean environment and orderly parking. The community is also small, with 9 buildings and 277 households. After the house was handed over in 2003, the property management of the residential area was under the responsibility of the property company under the director. Later, due to the low collection rate of property fees, the property company withdrew and a new property company settled in, but the service was still unsatisfactory, and then it quit management. In November 2018, after the third owners’ committee took office, it adopted an "autonomous" mode for residential property management.

Vehicles in and out of the gate of Qin Wang Jiayuan Community in an orderly manner.

The owners’ committee hired security guards, cleaners and other personnel, and at the same time rectified the residential environment. After the sanitary corner was cleaned up, it added greening and added some leisure stools and other facilities. Unified planning of parking spaces in the community, implementation of "green parking" in some areas, and measures such as differentiated parking fees and internal adjustment of parking spaces have basically solved the parking problem.

Through "autonomy", residential property management has changed. Ling Xingjuan, director of the owners’ committee, summed up the successful experience: the team of the owners’ committee is United and discusses small matters with each other; Respect public opinion, and hand over the major events of the community to all owners for decision; Selfless, members are not paid.

Four communities in Meidong Community of Jishan Street, such as Meidong New Village and Jinghua New Village, all implement the owner’s "autonomy" model, and the owners’ committee is mainly responsible for the property services of community cleaning, greening and public facilities maintenance. The management mode has been running for more than 10 years, and it has been relatively smooth, and groups of enthusiastic owners have participated in property management, which has guaranteed the basic property services of the community.

The environment of Meidong Xincun Community is clean and tidy, and the flowers are blooming in spring.

However, the reporter’s investigation found that some of the communities that adopted the "autonomy" model did not run smoothly and finally failed. A certain district in Yuecheng District has been "autonomous" for many years, and the previous sessions have run well. Recently, however, with the new owners’ committee taking office, there have been many contradictions between owners and owners’ committees, and property management and services have been discounted. "The services provided by’ autonomy’ are few in content and low in quality, mainly based on cleaning and green protection, and the maintenance of public facilities is basically not involved." An owner of the community revealed that there are many contradictions between the owners and the owners’ committee.

After the early property management company in another residential area in Yuecheng District withdrew, it adopted the "autonomy" mode, and the director of the owners’ committee was full of energy. However, due to his age, he may live frugally at ordinary times, and his investment in property management has been carefully calculated, resulting in a continuous decline in service level and many opinions from the owners. With the end of the term of the owners’ committee, "autonomy" also collapsed, and finally the property company was re-employed.

Community autonomy　There are both passive and active

According to the survey, as early as 10 years ago, after the original property companies in some old communities withdrew from management, no new property companies were willing to take over. Faced with the embarrassment that the property was about to lose control, individual communities had no choice but to choose the owner’s "autonomy" mode.

According to statistics, there are not many communities in Yuecheng District that choose the owner’s "autonomy" mode, accounting for about 4% of the total number of communities. Some of them are communities that property companies are unwilling to take over, and some take the initiative to "fire" property companies to implement self-management. These communities have several common characteristics: in terms of construction time, most of them are old communities, and some of them are more than 30 years old; In terms of volume, the scale is relatively small, and the total number of owners in the community is one or two hundred; In terms of hardware, most of the residential areas can be managed in a closed way, and there are certain rooms for management and operation. The funds for "autonomy" are relatively guaranteed, and the management environment of the residential areas is relatively harmonious.

The reporter learned from the housing management department of Yuecheng District that the owner’s "autonomy" is actually the owner’s own management. This management mode is also a type of residential district management in Yuecheng District at present, which is self-managed through the joint decision of all owners. The successful practice of individual communities is not reproducible due to the differences in management conditions. At the same time, there is still a certain gap between the current service content and standards of these self-managed communities and the professional services. For communities with conditions, it is recommended to entrust professional property management companies as far as possible.

In addition, the self-management of residential property is implemented, and the Shaoxing Property Management Regulations also has provisions, and it is clearly stipulated that the executor of self-management, as well as the content, standard, cost and time limit of self-management should be decided when choosing self-management. But in reality, the executor of community self-management is the owners’ committee, and the contents and standards of management are not clear.

How about autonomy?　Some people applaud, some people sing bad.

Regarding the owner’s "autonomy" mode, the reporter found that there are two voices. Chen Lifang, Party Secretary of Nanmen Community in Chengnan Street, said that through years of "independent" management, the owners’ happiness and sense of gain have been greatly improved, and the pressure on community cadres has been greatly reduced, which is beneficial to the steady progress of social governance. "The community owners play a sense of ownership, become their own masters, effectively avoid the loss of control of the community through’ autonomy’, and a large number of enthusiastic owners have long participated in the management of community public affairs, and the neighborhood relationship is more harmonious." Wang Guoping, secretary of the Party Committee of Meidong Community in Jishan Street, said.

There are also some people who have raised concerns. Ling Xingjuan, director of the owners’ committee of Qin Wang Jiayuan Community, said that due to the age of the employed security guards and other personnel, the employment risks are also great, and the industry committee is not a specialized property company, some services are difficult to be satisfied by the owners, and "autonomy" may not last long. "Some owners initially joined the owners’ committee with enthusiasm, but after they started their work, they encountered difficulties and encountered resistance, so they resigned as members. Eventually, the owners’ committee could not operate, and’ autonomy’ was abandoned halfway, which affected the property management of the community." A community cadre in Jishan Street said.

Some people in the industry said that the owner’s "autonomy" model has indeed solved some difficult problems in property management in old residential areas, but there are also many problems, such as the lack of professionalism in management and service, the absence of operation supervision of owners’ committees, and legal risks in employment. Whether the operation is good or not is related to the knowledge structure, work ability and public morality consciousness of the owners’ Committee team.

Lawyer Lu Zhoubin of Zhejiang Hetai Law Firm said that according to the provisions of the Provincial High Court on labor dispute resolution, the staff employed by the owners’ committee do not constitute labor relations, and the two sides are not protected by the labor law, but ordinary civil relations, and the basic social security of workers cannot be implemented. In order to protect workers and avoid their own legal responsibilities, when some residential quarters in Hangzhou implemented "autonomous" management, the owners’ committee signed an agreement with the employer, and the employer sent workers to the community to provide labor services.

　　Chapter I General Provisions

　　1. Planning guiding ideology

　　We will fully implement the spirit of the 19th National Congress of the Communist Party of China, the Central Urbanization Work Conference and the Central Urban Work Conference, always adhere to the people-centered principle, actively respond to the construction of the Grand Canal Cultural Belt and the Grand Canal National Cultural Park, effectively protect Huai ‘an historical and cultural city and various cultural heritages, continuously improve the urban and rural living environment, meet the material and spiritual needs of modern social clubs, enhance the cultural characteristics and vitality of cities, enhance the people’s sense of acquisition, and promote the comprehensive, coordinated and sustainable development of urban economy and society.

　　2. Protect the target

　　● 1. Concise the value connotation of historical and cultural cities.

　　● 2. Improve the protection system of historical and cultural cities.

　　● 3. Combination of overall protection and key protection.

　　● 4. Systematically improve the living environment of historic city.

　　5. Make protection and repair plans according to local conditions.

　　3. Planning scope

　　The planning scope is Huai ‘an city, including Huai ‘an District, Qingjiangpu District, Huaiyin District, Hongze District, Lianshui County, Xuyi County and Jinhu County.

　　4. Planning period

　　The planning period is 2020-2035, with the short term to 2025 and the long term to 2035.

　　Chapter II Value of Famous Cities

　　5. Value of famous cities

　　It has witnessed the historical process of human reproduction, geographical changes and settlement changes in the lower reaches of Huaihe River, and is an important carrier that retains multiple historical information.

　　As the center connecting the north and south rivers and waterways, it played an important role in maintaining the economic lifeline of the feudal empire and witnessed the unique cultural tradition of waterway transportation in ancient China.

　　The port transport project, represented by Qingkou Hub, has solved the problem that the Grand Canal of China will cross the Yellow River, reflecting the superb technology of water conservancy project survey, design, construction and maintenance in ancient China.

　　The unique pattern of connecting the three cities, reflecting the beauty of the sea and the sea, embodies the wisdom of ancient scholars in running the city by taking the law naturally and adapting to local conditions.

　　Huai ‘an is the hometown of Premier Zhou Enlai, an important carrier to carry forward the spirit of Zhou Enlai, and it has nurtured a brave cultural tradition and a dignified and heroic revolutionary spirit.

　　It shows the historical urban landscape and traditional street pattern formed in the process of continuous evolution, and embodies the architectural art and aesthetic interest with both North and South characteristics.

　　Chapter III Protection System

　　6. Protection system

　　Adhere to the concept of overall protection, and establish a protection system of five levels, namely, city area, urban area, historical city area, historical and cultural blocks and lots, cultural relics and historic buildings, and two parts, namely, material cultural heritage and intangible cultural heritage.

　　The scope of city-level protection is Huai ‘an City, including Huai ‘an District, Qingjiangpu District, Huaiyin District, Hongze District, Lianshui County, Xuyi County and Jinhu County.

　　The urban level protection scope is Huai ‘an urban area, including Huai ‘an District, Qingjiangpu District, Huaiyin District and Hongze District.

　　The level protection scope of the historical urban area is Chuzhou Avenue in the east, Jianhe River in the south, Wenqu, the southeast shore of Xiaohu and the Li Canal in the west, and Xiangyu Avenue in the north, with a total area of about 5.6 square kilometers. The scope of the environmental coordination area of the historic city is the expansion of the historic city to Chengxi North Road and Li Canal in the west, with a total area of about 1.5 square kilometers.

　　Chapter IV Protection and Utilization of Municipal History and Culture

　　Section 1 Natural environment related to history and culture

　　7. Mountain

　　Protect the mountains in the Dabie Mountains in the southwest of Xuyi, protect the mountains such as QingNiu Shan, Xiangshan, Qidashan, First Mountain, Tiantai Mountain, Duliang Mountain, Mopan Mountain, Miaoshan Mountain and Laojun Mountain in Xuyi, and protect the mountains such as Dayun Mountain in the east of Xuyi.

　　8. Water system

　　Protection of the Grand Canal, Huaihe River, Huaihe River into the river channel, Huaihe River into the sea channel, the main irrigation canal in northern Jiangsu, the old Yellow River, Huai Shu Xin He Er He, Yan He and other river systems. Promote the ecological management of rivers, strengthen the pollution prevention and control of river sections flowing through rural areas, form the structure of natural water ecosystem, and enhance the ecological corridor function of rivers. Protect the water bodies of Hongze Lake, Baima Lake, gaoyou lake, baoying lake and Lixiahe Lake. Protect the original ecological natural coastline, moderately develop the recreational function coastline, and strengthen the construction of shelterbelt along the lake.

　　Section 2 Huai ‘an Section of the Grand Canal

　　9. World Cultural Heritage of the Grand Canal

　　Protect the world cultural heritage of the Grand Canal, such as the Qingkou hub area and the ruins area of the Governor’s Office of Grain Transportation.

　　10. Cultural Heritage of the Grand Canal

　　Protect the Grand Canal rivers, hydraulic relics, all kinds of associated historical relics, historical blocks, villages and towns and related environmental landscapes other than the World Cultural Heritage of the Grand Canal.

　　Chapter V Protection and Utilization of Urban History and Culture

　　11, protect the target

　　● 1. Holistic protection of historical and cultural settlements

　　● 2. Regional protection highlights the historical city.

　　● 3. Connecting all kinds of heritages in series with historical rivers.

　　● 4. Differentiate and set the partition guidance strategy.

　　12. Spatial structure

　　Protect the historical and cultural heritage and its dependent natural environment in the urban area as a whole, show the historical context accumulated in different historical periods, highlight the characteristics and values of famous cities, and form "three cores and two axes; Four-zone and multi-point protection space structure. The "three cores" are the historical and cultural protection cores of Huai ‘an Ancient City, Qingjiang Pucheng and Qingkou Hub; The "two axes" are the historical and cultural protection axes of the Grand Canal and the old Huaihe-Yellow River; "Four Districts" are the historical and cultural divisions of Huai ‘an District, Qingjiangpu District, Huaiyin District and Hongze District; "Multi-point" refers to the settlement of many historical towns along the Grand Canal and the old Huaihe-Yellow River Road.

　　Chapter VI Protection and Utilization of Historic Cities

　　13, protect the target

　　● Pattern protection: protect the overall pattern of "three cities are connected, the central axis is symmetrical, and the sea is beautiful".

　　● Style protection: protect the traditional style and features of North-South integration, combination of rigidity and flexibility, and blue bricks and gray tiles.

　　● Road traffic: form a slow-moving, green and intensive ancient city traffic system.

　　● Living environment: build a high-quality living environment with people-oriented and convenient service.

　　● Municipal engineering: to build a modern infrastructure that meets the protection requirements and has perfect functions and intensive wisdom.

　　● Safety and toughness: build a safe and reliable disaster prevention and environmental protection system with perfect management.

　　14. Spatial structure

　　Form an overall structure of "three cities, one axis, three lakes and one canal". "Three cities" is the overall structure of the triple city formed by Huai ‘an old city, joint city and new city; "One axis" is the north-south central axis of "Nanmen Street-Zhenhuai House-the site of Governor’s Water Transportation Office-Huai ‘an Government Office-Taohuayun-Gumukou Site" which runs through Sanlian City. "Three Lakes" are Moon Lake, Shao Lake and Xiao Lake, and "One Canal" is Wenqu.

　　15. Overall pattern

　　Protect the overall spatial pattern of "three cities are connected, the sea is beautiful, and the axis is symmetrical" composed of "city, river, lake and street" and important historical spatial node elements.

　　16, display system

　　1. Greenway around the city

　　Combined with the ruins of the city wall, a greenway around the city with a total length of about 12 kilometers was built with Xiangyu Avenue, Chuzhou Avenue, Beimen Street, Yonghuai Road and Nanxun Road as carriers. Connect the city wall ruins park, Qingcheng Gate ruins park, Lanyunmen city wall ruins, Gumukou Park, Shaohu Lake and Yuehu Lake in series to show the unique pattern of "three cities connected" in the historical city.

　　2. Water Green Network

　　The Wenqu River is connected in series with water systems such as "Three Lakes and One Yin" and Jianhe River, and the waterfront green space is set up to form a water green network covering the historical city. It is connected with important historical and cultural resources such as Zhou Enlai’s former residence, Wentong Tower, bronze bell, Zhenhuai House, Guan Tianpei Temple and Dongyue Temple, and a number of viewing nodes are built to show the historical pattern of "three wonders embracing each other, and the harmony between the sea and the sea" in the historical city, as well as the ancient literati taking the method.

　　3. Historical streets and lanes

　　Systematically rectify historical streets and lanes, improve the pedestrian space environment, form a complete pedestrian space network, and connect the greenway around the city with the historical water system. Add a sign system to enhance the vitality of streets and lanes, and show the historical urban landscape and traditional street and lane pattern formed in the historical process of continuous evolution.

　　4. Historical axis

　　Renovation of "Huai ‘an Government Office — Ruins of the Governor’s Office of Grain Transportation — Zhenhuai House — Nanmen Street — The interface between the two sides of the central axis of the old city of Yingxunmen highlights the urban pattern of "central axis symmetry" in the historical city and shows the historical urban landscape and traditional street pattern formed in the historical process of continuous evolution.

　　5. Business card space

　　Focus on shaping the business card space of Gumukou, Zhou Enlai Memorial Hall, Wentong Tower, Caoyun Square, Zhenhuai House, Huai ‘an Government Office, City Wall Ruins Park, Longguangge and Liyun, select the overlooking nodes in the open public space, optimize the visual field landscape, and show the architectural art and aesthetic interest of the historical city with the north-south characteristics formed in the historical process of continuous evolution.

　　Chapter VII Protection and Utilization of Historical and Cultural Blocks

　　17. Historical and Cultural Blocks of Hexia Ancient Town

　　Protect the traditional street pattern and spatial form of historical and cultural blocks in Hexia ancient town. Protect the history of Hexia ancient townCultural protection units and historical buildings at all levels in the cultural block. Protect the historical features of the historical and cultural blocks of Hexia ancient town and the historical and environmental elements such as rivers, revetments, houses, gardens, brick carvings and ancient trees.

　　18. Xuma Lane — Longwo Lane — Shangbanjie historical and cultural block

　　Protect Xu Ma Lane — Longwo Lane — The overall spatial pattern and morphological characteristics of Shangban Street historical and cultural block. Protect cultural protection units and historical buildings at all levels such as Zhou Enlai’s former residence in the block. Protect historical environmental elements such as historical streets, docks, revetments, ancient bridges, ancient and famous trees, and cultural canals in the block. Protect intangible cultural relics with red culture as the core.

　　Chapter VIII Protection and Utilization of Cultural Relics and Historic Buildings

　　19, cultural relics protection units

　　According to "People’s Republic of China (PRC) Cultural Relics Protection Law" and "People’s Republic of China (PRC) Cultural Relics Protection Regulations".In-situ protection, delimit the protection scope and construction control zone of cultural relics protection units. It is not allowed to change the original condition, appearance and environment of cultural relics. If necessary repairs are needed, the principle of "not changing the original state" should be followed under the guidance of experts, so as to "repair the old as before" and strictly follow legal procedures.

　　20, underground cultural relics buried area

　　Protect related sites, improve the protection management system, strengthen the construction of infrastructure and site protection and exhibition facilities, and improve the level of protection, exhibition and utilization.

　　21. Historical buildings

　　improveThe protection and utilization standards of historical buildings are standardized, and the protection management and rational utilization measures of historical buildings with Huai’ an local characteristics are put forward.

　　Chapter IX Protection and Utilization of Intangible Cultural Heritage

　　22, protect the object

　　Protect 203 intangible cultural heritages in the city, including 7 at the national level, 33 at the provincial level and 163 at the municipal level.

　　23. Overall protection

　　1 focus on the protection of projects listed in the national, provincial, municipal and county-level intangible cultural heritage representative projects, in accordance with the requirements of special protection planning at all levels.

　　2. Improve the excavation, recording, sorting and registration of intangible cultural heritage, and establish archives and databases for projects listed in the national, provincial and municipal intangible cultural heritage lists. Classified protection shall be implemented according to the methods of rescue protection, memory protection, productive protection and regional overall protection.

　　CCTV News:Culture is the ideological guidance, spiritual support, moral education and knowledge nurturing of a country and a nation, and it is also an important symbol that distinguishes a country and a nation from other countries and nations. Extensive and profound excellent traditional culture, distinctive and unique revolutionary culture, and advanced socialist culture have consolidated the foundation of cultural construction and laid a strong foundation for cultural self-confidence.

　　Since the 18th National Congress of the Communist Party of China, General Secretary of the Supreme Leader has mentioned "cultural self-confidence" many times, and made many profound expositions from the overall situation of Socialism with Chinese characteristics’s cause, which has injected more basic, deeper and more lasting power into the great cause of Socialism with Chinese characteristics. General Secretary Supreme Leader’s exposition on cultural self-confidence is very rich, profound and incisive, which is an organic part of Supreme Leader’s Socialism with Chinese characteristics Thought in the new era. Today, we have specially compiled the important exposition of the Supreme Leader General Secretary on cultural self-confidence for everyone to learn.

　　fine traditional Chinese culture

　　[From, casting, rooting]

　　Socialism with Chinese characteristics culture, which originated from the excellent traditional Chinese culture nurtured by the 5,000-year civilization history of the Chinese nation, was cast in the revolutionary culture and advanced socialist culture created by the Party leading the people in revolution, construction and reform, and was rooted in the great practice of Socialism with Chinese characteristics.

　　— — On October 18, 2017, the report was published in The 19th National Congress of the Communist Party of China.

　　On October 18, 2017, the Supreme Leader made a report at the The 19th National Congress of the Communist Party of China.

　　"Very proud, very confident"

　　In every historical period, the Chinese nation has left countless immortal works. From the Book of Songs, Chu Ci, Han Fu, to Tang Poetry, Song Ci, Yuan Qu, Ming and Qing novels, etc., they have jointly created a splendid star river of China’s literary history. The Chinese nation’s literary and artistic creativity is so strong and its achievements are so brilliant. The Chinese nation is known for its cultural self-confidence. We should be extremely proud of it and feel extremely confident about it.

　　— — On November 30, 2016, he delivered a speech at the opening ceremony of the 10th National Congress of China Federation of Literary and Art Circles and the 9th National Congress of China Writers Association.

　　[Important basis, content and contribution]

　　A large number of great works in ancient China contain rich contents of philosophy and social sciences and wisdom of governing the country, which provides an important basis for the ancients to understand and transform the world, and also provides important contents for Chinese civilization and makes great contributions to human civilization.

　　— — Speech at the Symposium on Philosophy and Social Sciences on May 17, 2016

　　[Creation and Continuation, Roots and Soul]

　　China has a long history and a broad civilization. The excellent Chinese traditional culture created and continued by the Chinese nation in thousands of years of history is the root and soul of the Chinese nation.

　　— — On December 20, 2014, speech at the celebration of the 15th anniversary of Macao’s return to the motherland and the inauguration ceremony of the fourth government of Macao Special Administrative Region.

　　Revolutionary culture

　　[Maintain revolutionary spirit and revolutionary fighting spirit]

　　To achieve the prosperity and long-term stability of the Party and the country, all comrades in the Party must maintain the revolutionary spirit and fighting spirit, and have the courage to carry forward the great social revolution that our Party led the people for 97 years. We must never be proud of victory, never slack off because of achievements, and never shrink back because of difficulties, and strive to make Socialism with Chinese characteristics show a stronger and more convincing force of truth.

　　— — On January 5, 2018, he delivered an important speech at the opening ceremony of the seminar on studying and implementing the spirit of the 19 th Party Congress

　　[Inheriting the Red Gene]

　　We must inherit the red genes of the people’s army, strive to cultivate revolutionary soldiers with soul, ability, blood and morality in the new era, and always maintain the nature, purpose and true colors of the people’s army. We should inherit and carry forward the glorious tradition and historical experience of our party and people’s army, and make continuous progress on the road of upholding and developing Socialism with Chinese characteristics.

　　— — Speech during the inspection tour in Xuzhou City, Jiangsu Province from December 12 to 13, 2017

　　From December 12 to 13, 2017, the Supreme Leader visited Xuzhou City, Jiangsu Province. On the afternoon of the 12th, the Supreme Leader cordially visited workers’ representatives such as model workers and technical experts in Xugong Group Heavy Machinery Co., Ltd., and encouraged them to strive for everyone’s brilliance in the struggle to realize the Chinese dream.

　　[Roots of our Party]

　　The Red Boat in Nanhu, Jiaxing, a major meeting place of the Party in Shanghai, is the place where our Party dreams to set sail. Our party was born here, went to war here, and came to power throughout the country from here. This is the root vein of our party.

　　— — On October 31, 2017, I gave a speech when I visited the site of the First Congress of the Communist Party of China.

　　[Infiltrate into blood and heart]

　　An inch of mountains and rivers, an inch of blood, a hot land and a soul. Looking back on the past bonfire years, the people of Jinzhai have made great contributions to the revolutionary cause of China with fearless sacrifice. We will continue to follow the footsteps of the revolutionary predecessors and pass on the red mountains and rivers from generation to generation. Revolutionary traditional education should start with dolls, pay attention to both knowledge infusion and emotional cultivation, so that the red gene can seep into the blood and heart, and guide the majority of teenagers to establish a correct world outlook, outlook on life and values.

　　— — On April 24, 2016, I made a speech during my investigation in Anhui.

　　advanced socialist culture

　　[Culture makes the country prosperous and the nation strong]

　　Culture is the soul of a country and a nation. Culture makes the country prosperous and the nation strong. Without a high degree of cultural self-confidence and cultural prosperity, there would be no great rejuvenation of the Chinese nation. We should adhere to the road of cultural development in Socialism with Chinese characteristics, stimulate the cultural innovation and creativity of the whole nation, and build a socialist cultural power.

　　Socialism with Chinese characteristics culture, which originated from the excellent traditional Chinese culture nurtured by the 5,000-year civilization history of the Chinese nation, was cast in the revolutionary culture and advanced socialist culture created by the Party leading the people in revolution, construction and reform, and was rooted in the great practice of Socialism with Chinese characteristics. To develop Socialism with Chinese characteristics culture is to take Marxism as a guide, stick to the Chinese cultural stance, base on the reality of contemporary China and combine the conditions of the present era to develop a national, scientific and popular socialist culture facing modernization, the world and the future, and promote the coordinated development of socialist spiritual civilization and material civilization. We must persist in serving the people and socialism, let a hundred flowers blossom and a hundred schools of thought contend, and persist in creative transformation and innovative development, and constantly create new glories of Chinese culture.

　　— — On October 18, 2017, the report was published in The 19th National Congress of the Communist Party of China.

　　[The most reason to be confident]

　　To persist in Do not forget your initiative mind and continue to advance, we must adhere to Socialism with Chinese characteristics’s road confidence, theoretical confidence, institutional confidence and cultural confidence, unswervingly adhere to the Party’s basic line, and constantly push forward the great cause of Socialism with Chinese characteristics.

　　The whole party should be confident in road, theory, system and culture. In today’s world, if any political party, country or nation can be confident, the Communist Party of China (CPC), People’s Republic of China (PRC) and the Chinese nation have the most reasons to be confident. With the courage of "self-confidence in life for 200 years, we will be able to hit three thousand miles with water", we can face all difficulties and challenges without fear, and we can unswervingly open up new horizons and create new miracles.

　　— — On July 1, 2016, speech at the conference to celebrate the 95th anniversary of the founding of the Communist Party of China (CPC).

　　[Strengthening cultural self-confidence and inspiring national spirit with literature and art]

　　I hope everyone will strengthen their cultural self-confidence and inspire the national spirit with literature and art. To realize the great rejuvenation of the Chinese nation, we must strengthen Socialism with Chinese characteristics’s road confidence, theoretical confidence, institutional confidence and cultural confidence. To create excellent works with distinctive national characteristics and personality, we must have a deep understanding of the profound Chinese culture and a high degree of cultural self-confidence. The vast number of literary and art workers should be good at extracting the essence and energy from the treasure house of Chinese culture, maintain high confidence in their own cultural ideals and values, maintain high confidence in their own cultural vitality and creativity, and make their works become spiritual forces that inspire the people of China and the Chinese nation to keep moving forward.

　　— — On November 30, 2016, he delivered a speech at the opening ceremony of the 10th National Congress of China Federation of Literary and Art Circles and the 9th National Congress of China Writers Association.

　　Producer/Zhen Chen　

　　Editor/Tang Jinggang

　　Editor/Zhao Jin

　　American editor/Wu Yanni

　　Editor/Cui Qi

　　(This article comes from WeChat WeChat official account’s "No.1 Online", which is a new media platform for promoting major themes of CCTV, and is operated by the Publicity and Coordination Department of the editorial office. )

In order to fully reflect the spread of malicious programs, vulnerability risks, DDoS attacks, website security and other aspects of China’s Internet in the first half of 2020, CNCERT combed the monitoring data in the first half of the year and formed the monitoring data analysis report as follows. To download the report, please click the attachment at the end of the article.

catalogue

First, malicious programs

(A) computer malicious program capture

(2) Infection of users of computer malicious programs

(3) Malicious mobile Internet programs

(4) Malicious programs for networked smart devices

Second, security vulnerabilities

Third, denial of service attacks

(A) the active situation of attack resources

(2) The situation of large-volume attacks in China

(3) The activity of mainstream attack platforms

Fourth, website security

(A) phishing

(2) The back door of the website

(C) Web tampering

V. Cloud platform security

Six, industrial control system safety

(A) exposure of industrial control system on the Internet side

(II) Threat monitoring on the Internet side of industrial control system

(3) Information on safety loopholes of industrial control products

First, malicious programs

(A) computer malicious program capture

In the first half of 2020, about 18.15 million samples of computer malicious programs were captured, with an average daily spread of more than 4.83 million times, involving about 11,000 families of computer malicious programs. According to the statistics of communication sources, overseas malicious programs mainly come from the United States, Seychelles and Canada, and the specific distribution abroad is shown in Figure 1. Malicious programs located in China mainly come from Zhejiang, Guangdong and Beijing. According to the target IP statistics, there are about 42.08 million IP addresses attacked by computer malicious programs in China, accounting for 12.4% of the total IP addresses in China. These attacked IP addresses are mainly concentrated in Shandong Province, Jiangsu Province, Guangdong Province, Zhejiang Province, etc. The distribution of IP addresses attacked by computer malicious programs in China is shown in Figure 2.

Figure 1 Distribution of computer malicious code propagation sources outside China

Fig. 2 IP distribution under computer malicious code attack in China

(2) Infection of users of computer malicious programs

The number of hosts infected with computer malicious programs in China is about 3.04 million, up 25.7% year-on-year. About 25,000 computer malicious program control servers located abroad control about 3.03 million hosts in China. In terms of the countries or regions where the control servers belong, the number of control servers located in the United States, China, Hong Kong and the Netherlands ranks in the top three, with about 8,216, 1,478 and 1,064 respectively, with specific distribution as shown in Figure 3; In terms of the number of hosts controlled in China, the control scales of control servers located in the United States, the Netherlands and Germany rank the top three, controlling about 2.52 million, 1.27 million and 1.17 million hosts in China respectively, as shown in Figure 4. In addition, according to the sampling monitoring data, it is found that attacks against IPv6 networks have also begun to appear, and computer malicious program control servers with about 1,200 IPv6 addresses abroad have controlled about 15,000 IPv6 address hosts in China.

Fig. 3 Distribution of control terminals of overseas Trojan botnets that control hosts in China.

Figure 4 Countries or regions that control the number of TOP10 hosts in China.

From the regional distribution of the number of hosts infected with computer malicious programs in China, they are mainly distributed in Jiangsu Province (accounting for 15.3% of the infected number in China), Zhejiang Province (accounting for 11.9%), Guangdong Province (accounting for 11.6%), etc. The specific distribution is shown in Figure 5. Among botnets infected with malicious computer programs, there are 4,696 botnets with a scale of more than 100 hosts and 16 botnets with a scale of more than 100,000, as shown in Figure 6. Relevant institutions have disposed of 45 botnets with large control scale, effectively controlling the harm caused by computer malicious programs infecting the host.

Figure 5 The number of hosts infected with Trojan bots in China is distributed by region.

Figure 6 Scale distribution of botnets

(3) Malicious mobile Internet programs

Through independent capture and vendor exchange, more than 1.63 million malicious mobile Internet programs were discovered, up 58.3% year-on-year. Through the statistics of malicious behavior of malicious programs, it is found that the top three are still hooliganism, tariff consumption and information theft, accounting for 36.5%, 29.2% and 15.1% respectively. In order to effectively prevent the harm of malicious programs on the mobile Internet and strictly control the spread of malicious programs on the mobile Internet, 812 malicious programs on 125 platforms providing mobile application download services in China have been removed, effectively preventing the harm of malicious programs on the mobile Internet and strictly controlling the spread of malicious programs on the mobile Internet.

In recent years, China has gradually increased the security management of App stores and Applications, requiring App stores to conduct real-name audits of developers who put apps on the shelves, and conduct security inspections and content copyright audits on apps, which makes it more difficult for Internet black-market app stores to spread malicious apps. At the same time, however, the "edge-ball" gray applications that can evade supervision and achieve bad purposes have increased. For example, counterfeit apps with fishing purposes and fraudulent behaviors have become an important tool for illegal production, which continues to pose a greater threat to users in important industries such as finance, transportation and telecommunications. In the first half of 2020, 180 new download links of counterfeit apps were discovered through independent monitoring and complaint reporting. These counterfeit apps have the characteristics of easy copying, frequent version updates, and rapid spread of hot spots. They are mainly concentrated in popular applications such as counterfeit public security law, banking, social software, payment software, and ticketing software. The counterfeiting methods are mainly counterfeit names, icons, pages, etc., which are very deceptive. At present, because developers need to submit proof materials such as software copyright before Applying for the Application in the app store, it is difficult for counterfeit apps to be put on the app store, and its circulation channels are mainly concentrated in other online communication channels such as network disk, cloud disk and advertising platform.

(4) Malicious programs for networked smart devices

At present, there are more than 15 malicious programs active on smart devices, including Mirai, Gafgyt, Dofloo, Tsunami, Hajime, MrBlack, Mozi, PinkPot and so on. These malicious programs generally invade and control smart devices through vulnerabilities and violent cracking. After being controlled by intrusion, there are security threats and risks such as user information and device data being stolen, hardware devices being controlled and destroyed, devices being used as a springboard to attack other hosts in the intranet or launching DDoS attacks abroad. In the first half of the year, about 1.26 million malicious programs were found on smart devices, most of which belonged to Mirai family and Gafgyt family, accounting for more than 96.0%. There are more than 50,000 IP addresses in the server, and the number of IP addresses of suspected infected smart devices in China is about 920,000, which is basically the same as that in the first half of 2019, mainly located in Zhejiang, Jiangsu, Anhui, Shandong and Liaoning provinces. The accused networked smart devices launched DDoS attacks on more than 1,000 targets every day, which was basically the same as that in the first half of 2019.

Second, security vulnerabilities

The National Information Security Vulnerability Sharing Platform (CNVD) included 11,073 general security vulnerabilities, a substantial increase of 89.0% year-on-year. Among them, the number of high-risk vulnerabilities was 4,280 (accounting for 38.7%), up 108.3% year-on-year, and the number of "zero-day" vulnerabilities was 4,582 (accounting for 41.4%), up 80.7% year-on-year. Security vulnerabilities mainly cover vendors or platforms such as Google, WordPress and Oracle Bone Inscriptions. According to the statistics of the affected objects, the top three are application vulnerabilities (48.5%), Web application vulnerabilities (26.5%) and operating system vulnerabilities (10.0%), as shown in Figure 7. In the first half of 2020, CNVD handled nearly 15,000 incidents involving network security vulnerabilities such as government agencies and important information systems.

Figure 7CNVD includes statistics of security vulnerabilities classified by affected objects.

Third, denial of service attacks

Due to the characteristics of low attack cost and obvious attack effect, DDoS attack is still one of the most common and influential network security threats faced by Internet users. Sampling monitoring found that the number of high-traffic DDoS attacks with daily peak traffic exceeding 10Gbps in China was basically the same as that in 2019, with about 220 incidents.

(A) the active situation of attack resources

After continuous monitoring, analysis and disposal, the stability of available DDoS attack resources is reduced, and the number of available active resources is controlled at a low level. Cumulative monitoring found 2,379 active C&C control servers for launching DDoS attacks, of which 95.5% were located abroad, mainly from the United States, the Netherlands, Germany, etc. There are about 1.22 million active controlled hosts, of which 90.3% are from China, mainly from Jiangsu, Guangdong, Zhejiang, Shandong and Anhui provinces. There are about 8.01 million reflection attack servers, of which 67.4% are from China, mainly from Liaoning, Zhejiang, Guangdong, Jilin and Heilongjiang provinces.

(2) The situation of large-volume attacks in China

During the monitoring, it is found that the main attack methods are still TCP SYN Flood, NTP Amplification, SSDP Amplification, DNS Amplification and UDP Flood.The above five attacks accounted for 82.9%. In order to avoid traceability, attackers tend to use these attack methods which are easy to hide the attack source, and flexibly combine the attack traffic according to the protection of the attack target, and the proportion of mixed attack methods is 16.4%. In addition, with the rampant "DDoS as a service" black production mode in recent years, attackers tend to use high-traffic attacks to instantly paralyze the target network. The proportion of attacks with DDoS attack duration less than half an hour is 81.5%, and the targets are mainly located in Zhejiang, Jiangsu, Fujian, Shandong, Guangdong and Beijing, accounting for 81.1%.

(3) The activity of mainstream attack platforms

Through continuous monitoring and tracking of the activity of DDoS attack platforms, it is found that DDoS attack platforms on web pages and botnet families such as Gafgyt, Mirai, Xor, BillGates and Mayday are still active, and there are many DDoS attacks. As one of the black production modes of "DDoS as a service", the web page DDoS attack platform provides services directly to users, and users can launch attacks on their own as needed, which greatly reduces the difficulty of launching DDoS attacks and leads to further proliferation of DDoS attacks. The monitoring found that the number of DDoS attacks initiated by the web DDoS attack platform was the largest, increasing by 32.2% compared with the first half of 2019. At present, a large number of active Internet of Things devices lacking security protection on the Internet provide a large number of controlled resources for the rampant development of DDoS attack platforms, resulting in a high number of DDoS attacks. New variants of Gafgyt and Mirai malicious programs appear constantly, which keeps the number of botnet control terminals and attack events formed by them at a high level, while Xor malicious program family has obvious characteristics that it provides "DDoS as a service" black-market business, showing that it maintains a high attack frequency with a small number of control terminals.

Fourth, website security

(A) phishing

The monitoring found that there were about 19,000 counterfeit pages for websites in China. CNCERT mainly disposed of 6,226 counterfeit pages such as online business halls in the financial industry and telecommunications industry, with a year-on-year decrease of 48.1%. In the coordinated disposal of counterfeit pages, the IP address of the counterfeit page still ranks first in China and Hongkong, accounting for 74.0%. At the same time, the number of counterfeit pages on the "ETC online authentication" website on the internet has increased by spurt. After entering May, the number of phishing pages related to "ETC online authentication" accounted for as high as 61.2%, and the main IP addresses of such phishing websites are still located abroad. The forms of counterfeiting mainly include different page themes such as "ETC information authentication", "ETC online authentication" and "ETC online authentication center", and fraudsters trick users into submitting personal privacy information such as real name, bank card account number, ID number, bank reserved mobile phone number and withdrawal password.

(2) The back door of the website

About 18,000 IP addresses at home and abroad have implanted backdoors into about 35,900 websites in China, and the number of websites implanted with backdoors in China has increased by 36.9% compared with the first half of 2019. Among them, there are about 18,000 overseas IP addresses (accounting for 99.3% of all IP addresses) that have implanted backdoors into about 35,700 websites in China, with the most IP addresses located in the United States, accounting for 19.0% of the total overseas IP addresses, followed by IP addresses located in the Philippines and China, as shown in Figure 8. In terms of controlling the total number of websites in China, IP addresses located in the Philippines control the largest number of websites in China, about 13,600, followed by IP addresses located in China, Hongkong and the United States, which control 7,300 and 6,020 websites in China respectively. In addition, with the accelerated deployment of IPv6 in China, the scope of websites supporting IPv6 is expanding. In addition, there were 592 backdoor incidents of websites whose attack source and target were IPv6 addresses, involving a total of 35 attack source IPv6 addresses and 72 domain names of attacked IPv6 address resolution websites.

Figure 8 TOP10 of the country or region where the backdoor IP address is implanted into the website in China from overseas.

(C) Web tampering

There are about 74,000 websites that have been tampered with in China, including 318 government websites that have been tampered with. Judging from the distribution of top-level domain names of tampered web pages in China, ".com", ".net" and ".org" still rank in the top three, accounting for 74.1%, 5.1% and 1.7% of the total respectively, as shown in Figure 9.

Figure 9 Distribution of tampered websites in China by top-level domain name

V. Cloud platform security

The situation of network security threats on China’s cloud platforms is still grim. First of all, the proportion of all kinds of network security incidents that occurred on the mainstream cloud platforms in China is still high. Among them, the number of DDoS attacks on the cloud platform accounts for 76.1% of the attacks on domestic targets, the number of embedded backdoor links accounts for 90.3% of all embedded backdoor links in China, and the number of tampered pages accounts for 93.2% of the number of tampered pages in China. Secondly, attackers often use China’s cloud platform to launch cyber attacks. Among them, the number of DDoS attacks initiated by the cloud platform as the control terminal accounts for 79.0% of the number of DDoS attacks initiated by domestic control, the number of IP addresses of controlled terminals controlled by malicious programs such as Trojans and botnets accounts for 96.3% of all IP addresses of controlled terminals in China, and the number of malicious programs carried by them accounts for 79.0% of the number of malicious programs carried on the domestic Internet.

Six, industrial control system safety

(A) exposure of industrial control system on the Internet side

Monitoring found that 4,630 industrial devices were exposed to the Internet, involving 47 types of devices, such as programmable logic controllers, intelligent buildings and data acquisition, from 35 domestic and foreign manufacturers. The specific types are shown in Figure 10. Among them, the equipment with high-risk vulnerabilities accounts for about 41%. The monitoring found 480 sets of networked monitoring and management systems exposed in key industries such as electric power, oil and gas, urban rail transit, etc., including 262 sets of electric power, 118 sets of oil and gas, and 100 sets of urban rail transit. The types involved include government supervision platform, remote monitoring, asset management, engineering safety, data detection system, pipe network dispatching system, OA system, cloud platform, etc. The specific platform types are shown in Figure 11. Among them, about 11.1% systems have high-risk vulnerabilities such as information leakage, cross-site request forgery and improper input verification. Once the industrial control system exposed to the Internet is attacked, it will seriously threaten the safety of the production system.

Fig. 10 Type statistics of networked industrial equipment discovered by monitoring.

Figure 11 Statistics on the types of networked monitoring management systems in key industries discovered by monitoring.

(II) Threat monitoring on the Internet side of industrial control system

The network assets of domestic industrial control systems continue to be scanned and sniffed from abroad, with an average of more than 20,000 times a day. Through analysis, the sniffing behavior originated from 90 countries such as the United States, Britain and Germany, and the target involved networked industrial control equipment and systems in key industries such as energy, manufacturing and communication. A large number of network assets information of key information infrastructure and its networked control system are sniffed abroad, which brings hidden dangers to cyberspace security in China. China’s large industrial cloud platforms, such as Genyun, Aerospace Cloud, OneNET, COSMOPlat, Aopu Cloud and Jizhiyun, continue to suffer from network attacks from abroad, with an average number of attacks of 114 times per day, up 27% year-on-year. The types of attacks are shown in Figure 12, involving remote code execution, denial of service, Web vulnerability exploitation, etc. Industrial cloud platforms carry a large number of access devices, business systems, as well as enterprise, personal information and important data.

Figure 12 Type distribution of attack events of industrial cloud platform

(3) Information on safety loopholes of industrial control products

The four vulnerability platforms of CNVD, CVE, NVD and CNNVD newly included 323 vulnerabilities of industrial control system products, of which high, medium and dangerous vulnerabilities accounted for 94.7%. As shown in Figure 13 and Figure 14, the products affected by the vulnerability are widely used in key information infrastructure industries such as manufacturing, energy, water treatment, information technology, chemical industry, transportation, commercial facilities, agriculture, water conservancy projects, government agencies, etc. The product suppliers involved in the vulnerability mainly include ABB, Wanke, Siemens, Advantech, Schneider, Mossa, Mitsubishi, Haiwei, Asia Control and Yonghong.

Figure 13 Industrial distribution of new industrial control product vulnerabilities TOP10 (Note: products affected by vulnerabilities can be applied to multiple industries)

Figure 14 Supplier Distribution of Newly Added Industrial Control Product Vulnerabilities TOP1

Attachment: Analysis Report on China’s Internet Network Security Monitoring Data in the First Half of 2020

Guo Fa [2021] No.27

People’s governments of all provinces, autonomous regions and municipalities directly under the Central Government, ministries and commissions and institutions directly under the State Council:

　　The "14 th Five-Year Plan" for the development of modern comprehensive transportation system is hereby printed and distributed to you, please implement it carefully.

the State Council　　　　

December 9, 2021　　

　　(This article has been deleted)

“Development planning of modern comprehensive transportation system in the 14 th Five-Year Plan

　　Transportation is a basic, leading and strategic industry in the national economy, an important service industry and an important part of the modern economic system, an important support for building a new development pattern and a solid guarantee for serving the people’s better life and promoting common prosperity. In order to speed up the construction of a powerful transportation country and build a modern comprehensive transportation system, this plan is formulated according to the 14th Five-Year Plan for National Economic and Social Development of People’s Republic of China (PRC) and the Outline of Long-term Goals in 2035, the Outline of Building a Powerful Transportation Country and the Outline of National Comprehensive Three-dimensional Transportation Network Planning.

Chapter I Development Environment

　　During the "Thirteenth Five-Year Plan" period, China’s comprehensive transportation system has made historic achievements, which can basically meet the requirements of economic and social development, and the people’s sense of gain and satisfaction has been significantly improved, which has provided a basic guarantee for achieving a comprehensive victory in poverty alleviation and achieving the goal of the first century, and played an important role in responding to the COVID-19 epidemic, strengthening transportation security, and promoting the resumption of work and production. In the past five years, China’s transportation infrastructure network has become increasingly perfect. The total mileage of the comprehensive transportation network has exceeded 6 million kilometers, and the "ten vertical and ten horizontal" comprehensive transportation corridors have been basically connected. The mileage of high-speed railways has doubled, and the coverage rate of cities with a population of more than one million has exceeded 95%. The coverage rate of expressways has exceeded 98% for cities with a population of more than 200,000, and the civil transportation airport has covered about 92% of prefecture-level cities. Rail transit in mega-cities has been accelerated, and the Hong Kong-Zhuhai-Macao Bridge and Daxing in Beijing have been The strategic support capacity has been continuously enhanced, the number of trains in China and Europe has increased rapidly, the Beijing-Tianjin-Hebei integrated transportation network and the comprehensive three-dimensional transportation corridor in the Yangtze River Economic Belt have been accelerated, and 100 key channels for traffic poverty alleviation have been basically completed. More than 1.47 million kilometers of rural roads have been built or rebuilt, and more than 33,000 villages have been built with buses. All qualified towns and villages have hardened roads and buses, and express outlets basically cover all towns and villages, and direct postal services have been realized. The quality of transportation services has been continuously improved, the proportion of high-quality travel of passengers has been continuously improved, and the normal flight rate has risen sharply.The container combined transport volume of molten iron has increased by more than 20% annually, and the express delivery business has quadrupled, ranking first in the world. New technologies and new formats are developing vigorously. A full range of Fuxing EMUs with completely independent intellectual property rights have been put into operation, C919 passenger planes have been successfully tested, and ARJ21 has been operated on a large scale in regional aircraft. The complete sets of technologies such as cross-sea bridges and tunnels, deep-water waterways and automated terminals rank among the top in the world, the level of ship construction has been continuously improved, and new formats such as network car, bike-sharing and network freight platform have developed rapidly and their governance capabilities have been continuously enhanced. The "streamline administration, delegate power, strengthen regulation and improve services" reform continued to deepen, key reform tasks in railway, airspace, oil and gas pipeline network and other fields were solidly promoted, toll stations at provincial boundaries of expressways were completely abolished, and traffic and logistics achieved remarkable results in reducing costs and increasing efficiency. The construction of green traffic and safe traffic has been steadily promoted. New energy vehicles account for more than half of the global total. The carbon dioxide emission intensity of operating trucks and ships has decreased by about 8.4% and 7.1% respectively. The safety level of civil aviation and railways has maintained the world’s leading position, and the number of major accidents and deaths in road transportation has decreased by about 75% and 69% respectively.

　　At the same time, the problem of unbalanced and insufficient development of China’s comprehensive transportation is still outstanding. The comprehensive transportation network layout is not balanced enough, the structure is not reasonable enough, and the connection is not smooth enough. There are obvious shortcomings in intercity and municipal (suburban) railways in key urban agglomerations and metropolitan areas. The proportion of multimodal transport of goods and combined transport of passengers is low, and the supply of customized, personalized and specialized transport services does not match the rapidly growing demand. The application depth and breadth of intelligent transportation technology need to be expanded, and some key core products and technologies are not capable of independent innovation. The transportation safety situation is still grim, and the supply chain support capacity of the industrial chain is insufficient. The task of green and low-carbon development is arduous, and the promotion and application of clean energy still need to be accelerated. The comprehensive transportation management system and mechanism need to be improved, and the institutional obstacles that restrict the free flow of factors still exist.

　　During the "Tenth Five-Year Plan" period, the situation faced by China’s comprehensive transportation development is more complicated and changeable. From an international perspective, the world today is experiencing a great change that has never happened in a century. A new round of scientific and technological revolution and industrial transformation is developing in depth. The COVID-19 epidemic has impacted the global industrial chain supply chain and the international logistics system, and economic globalization has encountered a countercurrent. Domestically, China has embarked on a new journey of building a socialist modern country in an all-round way, and profound changes have taken place in regional economic layout, land development and protection pattern, population structure distribution, consumption demand characteristics, and factor supply mode, which put forward new requirements for the development of comprehensive transportation system. The transportation industry has entered a critical period of perfecting facilities network and accurately filling shortcomings, promoting integration, improving service quality and efficiency, deepening reform and innovation, and transforming development mode. It is necessary to adapt to the requirements of land space development and protection, new urbanization construction and comprehensively promoting rural revitalization, optimize the development layout, strengthen convergence and integration, and improve the regional urban and rural comprehensive transportation network according to local conditions; We must adhere to innovation as the core, enhance the development momentum, promote the empowerment of new technologies and improve the quality and efficiency of transportation development; It is necessary to enhance the toughness of the comprehensive transportation system, adjust the development model, run the green development concept and low-carbon development requirements through the whole development process, and improve its own operational safety level and its ability to guarantee national strategic security; We should focus on satisfying people’s yearning for a better life and promoting common prosperity, change the development path, and promote equal emphasis on construction, management and transportation, balanced coordination of facilities and services, and deep integration of transportation and economic and social development.Promote the high-quality development of transportation with all-round transformation.

Chapter II General Requirements

The first section guiding ideology

　　Guided by Socialism with Chinese characteristics Thought of the Supreme Leader in the New Era, fully implement the spirit of the 19th National Congress of the Communist Party of China and its previous plenary sessions, base on the new stage of development, completely, accurately and comprehensively implement the new development concept, build a new development pattern, adhere to the people-centered development thought, take promoting high-quality development as the theme, deepen the supply-side structural reform as the main line, take reform and innovation as the fundamental driving force, and take meeting the people’s growing needs for a better life as the fundamental purpose. With the goal of speeding up the construction of a powerful transportation country, we should make overall plans for development and safety, improve the facility network with optimized structure and integrated connection, expand diversified and high-quality service supply, cultivate innovative-driven, integrated and efficient development momentum, strengthen the development mode of green security and open cooperation, and build a modern comprehensive transportation system to provide strategic support for building a socialist modern country in an all-round way.

Section 2 Basic Principles

　　Serve the overall situation and be a good pioneer. Adhere to people’s transportation for the people, give full play to the role of transportation as a pioneer in China’s modernization, continuously enhance its ability to guarantee the overall economic and social development and major national strategies, effectively support and lead regional coordinated development, rural revitalization and new urbanization, and provide transportation services that can better meet the needs of the people.

　　System advancement, convergence and integration. Adhere to the concept of system, reasonably determine the scale, technical standards and construction sequence of transportation infrastructure network, fill the gaps in the road network in the western region, optimize the network structure and function, scientifically and reasonably tap the potential of existing facilities, accurately fill the shortcomings of China Unicom, improve the allocation efficiency of transportation resources, and promote coordinated and integrated development across fields, regions and industries.

　　Driven by innovation, deepen reform. Pay attention to the application of deep empowerment of new technologies, improve the development level of digital and intelligent transportation, break down the institutional and institutional obstacles that restrict the high-quality development of transportation, promote the unified, open and orderly competition of transportation market, and promote transportation to improve efficiency, expand functions and increase kinetic energy.

　　Green transformation and safe development. Implement the requirements of peak carbon dioxide emissions and carbon neutrality, implement the overall national security concept, strengthen the economical and intensive use of resource elements, promote the green and low-carbon transformation of transportation, strengthen the construction of operational safety and emergency response capabilities, improve the level of international interconnection and transportation security, and ensure the safety of the supply chain of the industrial chain.

Section III Development Goals

　　By 2025, integrated transportation will basically achieve integrated development, and substantial breakthroughs will be made in intelligence and greening, and comprehensive capabilities, service quality, operational efficiency and overall benefits will be significantly improved, and transportation development will move towards world-class level.

　　The network of facilities is more perfect. The utilization rate of the main skeleton capacity of the national comprehensive three-dimensional transportation network has been significantly improved. With the "eight vertical and eight horizontal" high-speed railway as the main skeleton, the regional connecting lines of high-speed railways are connected, supplemented by some intercity railways with trunk functions, and the coverage rate of cities with a speed of 250 kilometers and above is over 95%, and the bottleneck sections of ordinary-speed railways are basically eliminated. The main lines of the national expressway network, consisting of 7 capital radial lines, 11 north-south longitudinal lines and 18 east-west transverse lines, as well as regional ring lines, parallel lines and tie lines, are basically connected, and the quality of ordinary highways is further improved. A modern airport system with perfect layout and complete functions has basically taken shape. The level of specialization and modernization of ports and docks has been significantly improved, and important progress has been made in the construction of inland high-grade waterway networks. The transfer and reloading efficiency of the comprehensive transportation hub has been further improved. The integrated transportation network of key urban agglomerations and the one-hour commuting network of metropolitan areas have been accelerated, and the national highways along the border are basically connected.

　　Transportation services are more efficient. The quality of transportation services has been steadily improved, passenger "one-stop" and freight "one-single-system" services have become more popular, customized, personalized and professional transportation service products have become more abundant, urban traffic congestion and "parking difficulties" have been continuously alleviated, transportation services in rural and border areas have been more guaranteed, and qualified villages have achieved full coverage of express delivery services. The international transportation service network facing the world is more perfect, and the development quality of China-Europe trains has steadily improved.

　　Technology and equipment are more advanced. The fifth-generation mobile communication (5G), Internet of Things, big data, cloud computing, artificial intelligence and other technologies are deeply integrated with transportation. Significant progress has been made in the construction of new infrastructure in the transportation field, the digitization rate of transportation infrastructure has been significantly improved, and data sharing and platform integration and optimization have made substantial breakthroughs. The popularization and application of autonomous advanced technology and equipment will be accelerated, and the Beidou system will fully cover key areas of transportation, and the standardization rate of transportation equipment will be greatly improved.

　　Security is more reliable. The traffic facilities are durable and reliable, the operation is safe and controllable, the preventive measures are in place, and the intact rate of safety facilities continues to improve. Cross-departmental and cross-disciplinary safety risk prevention and control systems and emergency rescue systems have been further improved, and the incidence of serious accidents has been further reduced. The transportation safety of main channels and the transportation safety of grain, energy, ore and other materials are more secure, and the security guarantee capability of international logistics supply chain continues to improve.

　　The development model is more sustainable. The green production and lifestyle in the field of transportation has gradually taken shape. The proportion of railway and water transport undertaking bulk cargo and medium-long distance cargo transportation has steadily increased, the proportion of green travel has obviously increased, clean and low-carbon transportation tools have been widely used, the energy consumption per unit turnover has obviously decreased, the proportion of green construction of transportation infrastructure has been significantly improved, the utilization efficiency of resource elements has been continuously improved, and the intensity of carbon emission has steadily decreased.

　　The governance capacity is more complete. Laws, regulations and standards in the fields of integrated development of various modes of transportation, investment and financing of transportation infrastructure, management, operation and maintenance have been improved, the degree of integrated development of comprehensive transportation has been continuously improved, the market-oriented reform has been deepened, the diversified investment and financing system has been improved, and a new supervision mechanism based on credit has been accelerated.

　　Looking forward to 2035, a modern, high-quality national comprehensive three-dimensional transportation network that is convenient, smooth, economical, efficient, safe and reliable, green, intensive, intelligent and advanced will be basically completed. The "National 123 Travel Transportation Circle" (1 hour commute in metropolitan area, 2 hours access in urban agglomeration and 3 hours coverage in major cities across the country) and the "Global 123 Express Freight Flow Circle" (1 day delivery in China, 2 days delivery in neighboring countries and 3 days delivery in major cities around the world).

Chapter III Building a High-quality Integrated Three-dimensional Traffic Network

　　According to the main skeleton layout of "6 axes, 7 corridors and 8 channels" of the national comprehensive three-dimensional transportation network, we will build and improve an integrated transportation network with "10 vertical and 10 horizontal" comprehensive transportation corridors as the backbone, integrated transportation hubs as the fulcrum, and multi-level networks of express network, trunk network and basic network as the support, accelerate the upgrading and efficiency improvement of existing networks, focus on accurately filling the network shortcomings in the central and western regions, steadily improve the access depth, smooth the network microcirculation, and sketch out the "traffic meticulous painting" of beautiful China.

The first section to improve the comprehensive transportation corridor

　　Optimize the layout of comprehensive transportation corridor. Build a comprehensive, three-dimensional, large-capacity and fast traffic spindle, build a multi-mode, multi-channel and convenient traffic corridor, and strengthen the coordination and connection between the spindle and the corridor. Improve the functions of Beijing-Shanghai, Shanghai-Kunming, Guangzhou-Kunming, Land Bridge, Beijing-Hong Kong-Macao, Heihe-Hong Kong-Macao, Ejina-Guangzhou, Qingdao-Lhasa, Xiamen-Kashgar, etc., promote the construction of the section to be connected and the expansion and transformation of the bottleneck section, and smooth the passages in coastal and inland areas. Promote the optimal allocation and organic connection of various modes of transportation resources in the channel.

　　Strengthen the construction of strategic backbone channels. We will promote the construction of the Xinjiang-Tibet passage, expand the capacity of the four inline main passages of Gan Xin, Qingxin, Qinghai-Tibet and Sichuan-Tibet, steadily promote the construction of sichuan-tibet railway, accelerate the preliminary work of the Hetian-Shigatse section of the Xinjiang-Tibet railway, start the construction of key sections in a timely manner, advance the preliminary work of the Yunnan-Tibet railway in an orderly manner, closely optimize the air route network layout, and build a multi-directional communication passage layout. Smooth the channel along the river, speed up the construction of high-speed railway along the river, and optimize the function of comprehensive transportation channel along the river with high-grade waterway, trunk railway and expressway as the backbone. Upgrade the coastal channel, improve the railway channel capacity, promote the expansion and transformation of busy sections of expressways, improve the overall efficiency of port channels, and build a large-capacity and high-quality transportation corridor. Run through the border passages, upgrade and transform ordinary national and provincial trunk lines, promote the construction of railways along the border in key directions, and improve the level of safety and security. We will build a new land and sea passage in the west, give play to the backbone role of railways in land transportation and the gateway role of ports in maritime transportation, strengthen the three passages in the east, middle and west, form a large-capacity main passage, and connect international transportation passages.

Section 2 Construction of Multi-level Integrated Comprehensive Transportation Hub

　　Build a comprehensive transportation hub cluster. We will build international comprehensive transportation hub clusters such as the Beijing-Tianjin-Hebei, Yangtze River Delta, Guangdong-Hong Kong-Macao Greater Bay Area and Chengdu-Chongqing regions, and enhance the global interconnection level and radiation level. Cultivate a number of comprehensive transportation hub clusters that radiate areas and connect the whole country, rationally organize the cluster service network, and improve the coordination efficiency of hub cities within the cluster.

　　Optimize the functions of comprehensive transportation hub cities. Improve the global connectivity level and resource allocation capacity of international comprehensive transportation hubs, and enhance the international portal function of some hubs. Optimize the passenger and cargo transfer facilities, collection and distribution network and quick connection system between passenger stations in the national comprehensive transportation hub. Strengthen the connection and transshipment capacity of regional comprehensive transportation hubs and develop port hubs. Strengthen the functional complementarity, facility connectivity and operational coordination among comprehensive transportation hub cities at different levels.

　　Improve the comprehensive passenger transport hub system. Optimize the layout of passenger stations and urban public transportation hubs, encourage the layout of the same station, and strengthen the effective connection with the urban transportation system. For the comprehensive passenger transport hub with great potential demand for transfer, land and space for connecting passages should be reserved. Promote the layout of three-dimensional transfer facilities for new comprehensive passenger transport hubs, encourage transfer on the same platform, implement the convenient transformation of existing hub transfer facilities, and promote convenient transfer between major modes of transportation. Integrate the information resources of different modes of transportation connected to the comprehensive passenger transport hub, and strengthen the docking of data, time and capacity. Promote the integration of comprehensive passenger hub stations and cities, explore the establishment of a benefit-sharing mechanism for hub development, promote unified planning and comprehensive development of hub and surrounding areas, and strengthen the coordination of development timing and the sharing of service functions.

　　Build a comprehensive freight hub system. Give priority to the use of existing logistics parks and freight stations and other facilities, plan and build a comprehensive freight hub with efficient integration of various modes of transportation, and guide the centralized layout of functional facilities such as cold chain logistics, postal express delivery and distribution. Improve the railway and highway network of freight hub, speed up the construction of multimodal transport facilities, and promote the capacity expansion and transformation of port transshipment facilities. Implement the capacity improvement project of postal express hub, strengthen the construction of universal postal service and express processing center, and strengthen overall planning with railways, highways, civil aviation and other hubs. Promote the construction of logistics hubs in about 120 countries.

Section III Optimization of Integrated Three-dimensional Traffic Network

　　We will build a fast network with high-speed railways, national highways and civil aviation as the main body, improve the trunk network with general-speed railways, provincial highways and port waterways as the main body, and improve the support capacity of the basic network.

　　Build a modern railway network. Adhere to paying equal attention to passenger and cargo, building and rebuilding simultaneously, and coordinating the development of high-speed and general-speed railways, speed up the construction of general-speed railways and the expansion and transformation of existing railways, focus on eliminating trunk bottlenecks, promote the capacity reinforcement of existing railways with tight transportation capacity, and accelerate the improvement of railway network coverage in the central and western regions. Strengthen the construction of development railways and feeder railways in resource-rich areas and relatively densely populated poverty-stricken areas. Promote the construction of the main channel of high-speed railway, improve the transportation capacity of important channels along the Yangtze River, along the coast, in Hunan, in Beijing and Kunming, and the auxiliary channel of Beijing-Shanghai high-speed railway, and build regional connecting lines in an orderly manner. Comprehensively use new technical means, reform and innovate the management mode, and improve the overall operating efficiency of the railway network. Overall consideration of transportation demand and benefits, rational planning and construction of railway projects, strict control of high-speed railway parallel line construction.

　　Improve the structure and function of highway network. Improve the quality of the national expressway network, implement the expansion and transformation of busy and congested sections of national expressways such as Beijing-Shanghai, Beijing-Hong Kong-Macao, Beijing-Kunming, Changshen, Shanghai-Kunming, Lianhuo, Baomao, Fuyin, Quannan and Guangkun, and accelerate the construction of parallel lines, tie lines and sections to be connected. Reasonably guide the orderly development of local expressways. Accelerate the upgrading of low-grade sections of ordinary national highways, increase the proportion of second-class and above ordinary national highways in the western region to 70%, achieve effective coverage of important ports, hubs, industrial parks and tourist attractions, and strengthen the allocation of safety facilities. We will improve the high-quality development system of "Four Good Rural Roads", carry out in-depth demonstration and creation, realize that the proportion of villages and towns with Grade III and above roads will reach about 85%, promote natural villages (groups) with large population to access hardened roads, promote the construction of two-lane roads in established villages and widen and transform rural narrow roads according to local conditions, and strengthen the connection between rural roads and trunk roads and main roads in villages. Promote the construction of convenience facilities such as crossing bridges.

　　Optimize the smooth network of water transport facilities. Build a world-class port group in Beijing-Tianjin-Hebei, Yangtze River Delta and Guangdong-Hong Kong-Macao Greater Bay Area, support Shandong to build a world-class marine port, promote the integrated development of coastal ports in Northeast China, optimize the functional layout of ports, and promote resource integration and sharing. We will promote the construction of public facilities such as specialized docks and inbound and outbound waterways in coastal ports in an orderly manner. Appropriately advance the construction of loading, unloading, storage and transit facilities for grain, energy and mineral resources, and promote the planning and construction of coastal LNG terminals along the river. Improve the level of specialization and scale of inland ports, and rationally concentrate the layout of specialized terminals such as containers, coal, iron ore and commercial vehicles. Strengthen the expansion and upgrading of inland high-grade waterway and smooth construction, improve the inland high-grade waterway network of the Yangtze River, Pearl River, Beijing-Hangzhou Canal and Huaihe River, further enhance the sea-going capacity of the high-grade waterway network in the Pearl River Delta, and comprehensively strengthen the construction of substandard sections of the Yangtze River Delta and Pearl River-Xijiang high-grade waterway networks. Promote the construction of important tributary waterways, reservoir and lake waterways, inland river tourist waterways and convenience docks.

　　Expand the coverage of aviation network. Promote the coordinated development of regional airport groups and build world-class airport groups such as Beijing-Tianjin-Hebei, Yangtze River Delta, Guangdong-Hong Kong-Macao Greater Bay Area and Chengdu-Chongqing. Timely start the reconstruction and expansion project of hub airport with tight capacity and strengthen the comprehensive support capacity of hub airport. Rationally encrypt the airport layout, steadily build regional airports and specialized freight hub airports, and improve the freight capacity and utilization rate of comprehensive airports. We will promote the planning and construction of general airports in an orderly manner, build a regional short-distance transportation network, and explore the integrated development of general aviation, low-altitude tourism, emergency rescue, medical rescue and police aviation. Optimize the route network, strengthen the construction of military and civilian air traffic control infrastructure, and popularize and apply new air traffic control technologies.

　　Strengthen efficient interconnection of oil and gas pipelines. Improve the four major oil and gas import channels in the northeast, northwest, southwest and offshore. Accelerate the construction of national trunk natural gas pipelines, improve the layout of crude oil and refined oil pipeline networks, and promote the management of hidden dangers of old pipelines in northeast, northwest and southwest regions. Promote the interconnection of oil and gas pipelines and the construction of branch pipelines, expand the coverage of natural gas pipelines in cities and counties and radiate to towns and villages along the line where conditions permit.

The fourth quarter to strengthen the integration of convergence

　　Accelerate the resolution of bottlenecks that restrict people’s beautiful travel and efficient circulation of goods, and strengthen the organic connection of comprehensive transportation networks. Open up the inter-provincial highway sections to be connected, strengthen the effective connection between trunk roads and urban roads, and promote the upgrading of the transit sections of trunk roads and the bottleneck sections entering and leaving the city in densely populated areas. Strengthen the efficient connection between hub airport and rail transit to make the transfer more convenient. Strengthen the construction of collection and distribution facilities such as entering the port area, the park area, the factory area and the large-scale agricultural product base, and accelerate the railway to enter the key port areas of the port and large industrial and mining enterprises, logistics parks and key material reserves. Considering the efficient utilization of resources, the protection of ecological environment and the safety of flood control and navigation as a whole, we will build a river-crossing and sea-crossing channel in an orderly manner where all modes of transportation share channel resources. Promote the interconnection of large-scale comprehensive passenger transport hubs in megacities through rail transit. Accelerate the interconnection of integrated freight hubs with close ties through tie lines or dedicated channels.

Section 5 Strengthening Infrastructure Maintenance

　　Promote the implementation of life cycle maintenance, strengthen normalized preventive maintenance, scientifically implement maintenance operations, strengthen quality inspection and evaluation of maintenance projects, strengthen supervision and evaluation of maintenance management, and improve the service life of infrastructure. Strengthen the maintenance and management of public facilities such as bridges and tunnels, navigation structure, port anchorage and runway apron. Increase the promotion of new maintenance technologies, build a scientific observation network for the long-term performance of transportation infrastructure, encourage automated and information-based inspections, improve the scientific decision-making level of management and maintenance, and promote the mechanization and standardization of maintenance. Strengthen the integrated management of railway comprehensive maintenance. Develop and standardize the highway maintenance market, and gradually increase the purchase of maintenance services from the society. Deepen the reform of rural highway management and maintenance system and fully implement the rural highway length system. Improve the responsibility system and working mechanism of bridge maintenance management. Improve the channel normalization maintenance mechanism and promote the construction of channel maintenance base and supporting facilities and equipment.

The fourth chapter tamps the basic support of coordinated development between urban and rural areas.

　　Give full play to the supporting and leading role of transportation in the development and protection of land space, and enhance the service guarantee ability for implementing major regional strategies, promoting coordinated regional development, and comprehensively promoting rural revitalization.

Section 1 Major Strategies for Serving the Region Effectively

　　Build a multi-node, grid-like and full-coverage Beijing-Tianjin-Hebei integrated comprehensive transportation network, basically build Beijing-Tianjin-Hebei on the track, build xiong’an new area’s external transportation network with high standards and high quality, strengthen the interconnection between Beijing’s sub-center and the central city, Langfang North three counties’ transportation infrastructure, and strengthen the transportation security of Beijing Winter Olympics and Winter Paralympics. Relying on the golden waterway of the Yangtze River, the overall design will promote the construction of the comprehensive transportation system in the Yangtze River Economic Belt, strengthen the freight capacity of high-speed rail and railway along the Yangtze River, make every effort to open up the inter-provincial road sections to be connected, and improve the development level of river-sea combined transport and iron-water combined transport. Promote the interconnection of Guangdong-Hong Kong-Macao Greater Bay Area’s infrastructure, optimize the allocation of shipping and aviation resources, strengthen the transportation links between Hong Kong and Macao and the mainland, and support Hong Kong in upgrading its status as an international shipping and aviation hub. Promote the higher quality integrated development of transportation in the Yangtze River Delta region, speed up the efficient connection and organic integration of external transportation, intercity transportation and metropolitan transportation, jointly promote the integrated development of port, shipping and maritime affairs, promote Shanghai, Jiangsu, Zhejiang and Anhui provinces to jointly build a global shipping hub, accelerate the upgrading of the function of Jiangsu tongzhou bay River-Sea Linkage Demonstration Zone, and create a new seaport for container transportation in the Yangtze River. We will build a modern comprehensive transportation system that is smooth in Hainan Island, connected by land and island, and accessible globally, build a modern comprehensive transportation hub, and steadily promote the construction of a free trade port. Build a green, safe and convenient comprehensive transportation network in the Yellow River basin and strengthen the construction of cross-regional large passages.

Section 2 Supporting and Leading Regional Coordinated Development

　　Fill the shortcomings of the transportation infrastructure network in the western region, improve the coverage of trunk railways, the smoothness of trunk roads and the equalization of rural roads, build a one-hour transportation network in the economic circle of Chengdu and Chongqing, and smoothly flow out of Sichuan and comprehensive transportation corridor in many directions. Improve the overall efficiency of the transportation infrastructure network in Northeast China, further smooth the external channels, and promote the integration of coastal inland and border areas. We will promote the construction of inland open corridors in the central region, enhance the function of connecting the east with the west and connecting the south with the north, and further consolidate and enhance the status of an integrated transportation hub. Build a modern comprehensive transportation system in the eastern region, speed up the construction of regional integrated transportation network, improve the capacity of key transportation channels and the radiation level of comprehensive transportation hubs, and realize the optimization and upgrading of transportation. Improve the external access capacity of underdeveloped areas, old revolutionary base areas and border areas, expand the depth of network access, fill the shortcomings of infrastructure in ecologically degraded areas, and strengthen the construction of transportation infrastructure to ensure the transformation and development of resource-based areas and the industrial transformation and upgrading of old industrial bases.

Section III Tamping the Rural Area and Revitalizing the Traffic Foundation

　　Coordinate the needs of new urbanization and rural revitalization and development, and gradually improve the level of urban and rural transportation integration. Consolidate and expand the achievements of hardening roads in qualified towns and villages, promote more traffic construction projects to enter villages and households, and encourage the integrated development of rural roads with industrial parks, tourist attractions and key rural tourism villages. Promote the development of rural passenger and postal integration, continue to promote the construction of township transportation service stations, integrate transportation, postal services, express delivery, supply and marketing, e-commerce and other resources, and build a new mode of rural transportation development with intensive functions, convenience and efficiency. Consolidate the achievements of establishing village bus service, improve the operational safety and service level of rural passenger transport, strengthen the safety supervision of rural passenger transport, and promote the construction of a long-term and stable development mechanism for rural passenger transport. Promote the integration of rural logistics into the modern circulation system, speed up the penetration of county rural e-commerce system and express logistics distribution system, build a convenient and efficient two-way channel for industrial products to go to the countryside and agricultural products to leave the village, and build a rural logistics service brand.

Section IV Strengthening the Construction of Border Traffic Facilities

　　Serve the construction of the urban system along the border, focus on roads and airports, vigorously improve the transportation conditions in the border areas, and enhance the population gathering capacity of the border towns. Make overall plans to promote the construction of national and provincial trunk highways and rural highways in border areas, comprehensively improve the main skeleton of national trunk highways, promote the construction of parallel roads along the border and upgrade the low-grade highways, speed up the construction of roads that reach the border, and form a road network along the border with clear hierarchy and reasonable structure as soon as possible. We will steadily promote the construction of airports in border areas, build a multi-level aviation network, and expand the coverage of air transport services. Strengthen the capacity of railway passages behind Tongjiang, Erenhot, Alashankou, Horgos, Ruili, Mohan and other ports. Strengthen the construction of postal facilities in the border villages to achieve universal coverage of postal services.

Chapter V Promoting Traffic Modernization of Urban Agglomeration and Metropolitan Area

　　We will further promote the new urbanization with people as the core, improve the transportation network by layers and classifications, strengthen interconnection and integration, promote the coordinated operation of transportation in urban agglomerations, metropolitan areas and cities, promote the modernization of transportation in urban agglomerations and metropolitan areas, and improve the quality of urbanization development.

Section 1 Construction of Integrated Transportation Network of Urban Agglomeration

　　Strengthen the construction of intercity transportation in key urban agglomerations. Around the Beijing-Tianjin-Hebei, Yangtze River Delta, Guangdong-Hong Kong-Macao Greater Bay Area, Chengdu-Chongqing, the middle reaches of the Yangtze River and other urban agglomerations, with rail transit and expressways as the backbone, the function of intercity transportation channels will be enhanced, the rapid direct connection of core cities will be strengthened, and a multi-node and networked intercity transportation network will be built to achieve two-hour access between major cities in the urban agglomeration. We will promote the construction of intercity railways and municipal (suburban) railways in Beijing-Tianjin-Hebei, Yangtze River Delta and Guangdong-Hong Kong-Macao Greater Bay Area as a whole, promote the construction of intercity railways and municipal (suburban) railways in Chengdu-Chongqing area in an orderly manner, strengthen the integration with high-speed railways and general-speed railways, and expand the effective coverage of towns with a population of more than 50,000.

　　Promote the construction of intercity transportation in other urban agglomerations in an orderly manner. Improve the function of main intercity corridors in Shandong Peninsula, coastal areas of Guangdong, Fujian and Zhejiang, Central Plains, Guanzhong Plain, Beibu Gulf and other urban agglomerations, and promote the construction of main intercity corridors in urban agglomerations such as Harbin-Changchun, central and southern Liaoning, central Shanxi, central Guizhou, central Yunnan, Hubao Eyu, Lanzhou-Xining, Ningxia along the Yellow River and northern slope of Tianshan Mountain. We will build a multi-level rapid transportation network that effectively connects large, medium and small cities and small towns, and actively promote the use of existing railway surplus capacity to run intercity trains.

Section 2: Building Commuting Traffic Network in Metropolitan Area

　　Create a metropolitan area on the track. Build a multi-level rail transit network in the metropolitan area, promote the integration of trunk railways, intercity railways, regional (suburban) railways and urban rail transit, and rationally promote the cross-line operation of rail transit. Actively use trunk railways and intercity railways to provide commuter services, make full use of the surplus capacity of existing railways to operate regional (suburban) trains, increase the number of train stops and the frequency of stops at important passenger distribution centers, encourage bus operation during peak hours, and improve the quality of commuter services. Explore the extension of rail transit in the central city of key metropolitan areas to surrounding cities (towns) in a reasonable format.

　　Improve the multi-level road traffic network. Reasonably encrypt the expressway passage, and plan and construct the metropolitan ring road and the city ring road according to local conditions. Scientific layout and construction of refueling stations, bus stations and parking facilities. Actively promote the extension of urban bus lines to surrounding towns and functional nodes, encourage adjacent cities (towns) in metropolitan areas to operate buses, and carry out the transformation of passenger lines into buses.

Section 3 Building a Modern Urban Transportation System

　　Improve urban transportation infrastructure. Scientifically plan and build an urban comprehensive transportation system, speed up the development of fast trunk traffic, daily distributed traffic and green slow traffic, and achieve smooth connection. Strengthen the construction of micro-circulation and branch network in big cities, optimize the proportion of fast, trunk, secondary trunk and branch roads, speed up the construction and transformation of urban branch streets and abnormal intersections, optimize the supply of parking facilities by classification and zoning, improve the utilization efficiency and refined service level of parking resources, and strengthen resource sharing and wrong opening. Reasonably increase the density of road network in small and medium-sized cities, make full use of parking resources, moderately increase parking facilities, and standardize parking order. Fill in the shortcomings of urban roads and highway passenger station facilities in counties, county-level cities and mega-towns, steadily promote the construction of public parking facilities in old communities, hospitals, schools, commercial gathering areas and other areas, and moderately increase flexible and convenient road shuttle bus stations. Build a safe, continuous and comfortable urban slow traffic system, improve the continuity and smoothness of non-motor vehicle lanes and trails, increase non-motor vehicle parking facilities in commercial office areas, public transport stations, tourist attractions and other places, and improve the conditions of pedestrian crossing facilities.

　　Create a multi-mode convenient public transportation system. In-depth implementation of public transport priority development strategy, continue to deepen the construction of national transit metropolis. Super-large cities should build a rapid transit network with rail transit as the backbone, develop urban rail transit scientifically and orderly, and promote the integrated development of rail transit, regular bus and slow traffic network. Large cities will form an urban public transport system with ground bus as the main body, and develop bus rapid transit in important passenger corridors. Small and medium-sized cities improve the operational efficiency of urban public transport, and gradually improve the site coverage and service level. Promote the linkage control of urban road traffic lights to ensure the priority of public transport; Promote the release of real-time operation information of public transportation on electronic bus stop signs and Internet information platforms, optimize transfer guidance signs, popularize services such as traffic card and mobile payment, and improve the attractiveness of public transportation.

Chapter VI Expanding the Supply of Quality Transportation Services

　　Comply with people’s new expectations for a better life, make overall consideration of the different development trends and stage characteristics of passenger transport and cargo transport, give consideration to basic needs and diversified needs, promote diversified and quality development of transport services, expand the supply of economical, efficient and safe transport service products, and gradually realize that people enjoy their travel and things flow smoothly.

Section 1 Improving the Service Quality of Passenger Travel

　　Accelerate the development of passenger joint transportation. We will steadily promote the information sharing and opening-up of the transportation ticketing system, improve the level of online ticketing for road passenger transport, and popularize e-tickets. By 2025, the e-ticket coverage rate of secondary and above road passenger stations will reach 99%, and the e-ticket coverage rate of inter-provincial and inter-city passenger lines will reach 80%, and efforts will be made to realize one-stop ticket purchase and one-ticket (certificate) access. Optimize the cross-mode security inspection process and promote mutual recognition of security inspection. Strengthen the coordinated connection of operation information, shift time and capacity arrangement between trunk transportation modes and between urban transportation and trunk transportation modes, and do a good job in the "bottom-to-bottom" service of the first and last buses. Promote the construction of urban terminal buildings and carry out direct luggage hanging service. Cultivate passengers’ joint transportation business entities, innovate integrated intermodal products, and enrich comprehensive transportation information service products.

　　Develop high-quality passenger transport services. Optimize the transportation organization of high-speed railway, expand the operation range of Fuxing EMU, gradually realize the high-speed operation of high-speed railway, improve the service quality of ordinary-speed railway, and encourage the operation of trains that arrive at night. Strengthen supervision, encourage and standardize the development of customized services for road passenger transport. Promote the effective connection between the trunk and branch of the air service network, optimize the allocation of flight time resources, continuously improve the normal flight rate and increase the categories of air transport services. Actively cultivate the cruise market, expand tourism products, promote the upgrade of cruise service, promote the development of yacht, cruise ship and RV tourism, optimize and improve self-driving travel service facilities, develop tourism distribution business relying on bus terminals, and cultivate a new mode of transportation consumption.

　　Improve the average level of passenger service. Continue to open the public welfare "slow train", optimize the operation plan, and improve the station conditions. Promote the transformation of rural passenger transport in conditional areas to ensure the travel of the masses. Develop basic aviation services in remote areas, improve ferry traffic conditions, and facilitate the daily travel of people in remote areas. Improve the service level of barrier-free facilities in passenger stations, promote the application of low-floor buses and barrier-free taxis, standardize the use of scooters for the elderly and disabled, and strengthen the service guarantee for difficult groups and special groups.

Section 2 Building an Efficient Freight Service System

　　Building an efficient freight service network. We will improve the logistics network of bulk goods and containers that is compatible with the industrial layout and consumption pattern, build a logistics backbone channel with large capacity, low cost and high efficiency, and ensure the seasonal transportation of important agricultural materials such as fertilizers. We will develop railway double-deck container transportation in an orderly manner, explore customized railway direct freight trains, and make full use of surplus transportation capacity and facilities to develop railway express freight products such as high-speed rail express. Promote the high-quality development of road freight and improve the level of scale and intensification. Strengthen the construction of air cargo capacity, cultivate and expand the professional cargo fleet, optimize the route and time allocation, and improve the efficiency of airport logistics organization and service quality. Improve the urban three-level logistics distribution network supported by logistics parks, distribution centers and terminal distribution stations, and strengthen the effective connection with trunk transportation and regional distribution. Improve the three-level logistics service system in counties and villages, and enhance the integrated service capacity of production, supply and marketing. Improve the customs clearance capacity and facilitation level of ports.

　　Vigorously develop multimodal transport of goods. Promote the construction of bulk cargo and container hot metal combined transport system and expand the scale of hot metal combined transport. Focus on the Yangtze River trunk line and Xijiang shipping trunk line, and improve the organization level of river-sea combined transport. Accelerate the "one single system" of multimodal transport, innovate the standards and norms for mutual recognition of waybills, promote the exchange of information on international freight documents, explore international railway electronic bills of lading, and gradually popularize electronic waybills for container multimodal transport. Accelerate the sharing of multimodal transport information and strengthen the convergence of standards and rules for different modes of transport. In-depth promotion of trailer transport, innovative truck rental, trailer sharing, customized services and other modes. Promote the sharing of containers, standardized pallets and turnover boxes (baskets) among different modes of transportation, improve the efficiency of multimodal transport and develop unitized logistics. Encourage railway, port and shipping, road transport and other enterprises to become multimodal transport operators.

　　Develop specialized logistics services. Strengthen the function of national backbone cold chain logistics base, improve the cold chain logistics service facilities of comprehensive freight hub, strengthen the connection of cold chain facilities of different modes of transportation, fill the shortcomings of centralized equipment and storage facilities, promote the innovation of railway container cold chain service mode, strengthen the quality supervision of classification and classification, and improve the quality of cold chain logistics service. Promote the integration of bulk cargo storage and transportation, and promote customized services for large customers. Unify the classification standards of dangerous characteristics of goods, strengthen the standardization construction of goods packaging, transportation operations and means of transportation, and promote the application of intelligent storage and transportation monitoring, risk monitoring and early warning systems. Optimize the logistics organization of supply chain in key manufacturing industries, and improve the service support ability of transportation for intelligent manufacturing and flexible manufacturing.

　　Continue to promote the reduction of logistics costs. Reduce the cost of logistics system, optimize the procedures for handling licenses and permits, and improve the market-oriented flexible adjustment mechanism of railway freight prices. Reduce the cost of logistics elements and ensure the demand for land for major logistics infrastructure construction. Implement logistics tax reduction and fee reduction measures, standardize and reduce logistics charges such as port shipping, road and railway transportation, and comprehensively clean up and standardize enterprise-related charges.

Section III Development of Modern Postal Express Service

　　Improve the quality and efficiency of delivery services. Innovate the universal postal service and realize the tracking and inquiry of the whole mail. Carry out the brand building action of express service quality, and develop differentiated products such as air express and high-speed rail express. Promote express delivery into the village, strengthen the sharing of delivery logistics resources in counties and villages, promote common sorting, common transportation and common delivery, and basically realize direct mail delivery in established villages. Promote express delivery into the factory, deeply embed into the value chain of the industrial chain, and develop business such as inbound logistics and line logistics. Promote express delivery to the sea, speed up the construction of postal international delivery centers, build postal processing centers and international mail exchange offices (exchange stations) in Nanchang, Changsha, Chengdu, Zhengzhou, Nanning, Nanjing, Dalian and Yiwu, build an international express transportation network, and promote the convenience of international delivery services.

　　Improve the delivery terminal service. We will build a diversified and intelligent terminal service network, and promote the layout construction and resource sharing of urban and rural express service stations, intelligent receiving terminals and terminal service platforms. Promote the construction of postal express service places and facilities in urban residential communities. Build a comprehensive service station for delivery logistics that integrates postal services, express delivery, e-commerce, commerce and other functions. Promote the transportation and delivery of unmanned vehicles and drones, and steadily develop contactless delivery services. Support the development of new formats and new models such as instant delivery and warehouse delivery integration.

Chapter VII Accelerating the Deep Popularization and Application of Intelligent Technology

　　Adhere to innovation-driven development, promote the deep integration of new technologies such as the Internet, big data, artificial intelligence and blockchain with the transportation industry, promote the application of advanced technology and equipment, build an intelligent transportation system with ubiquitous interconnection, flexible coordination and global competitiveness, strengthen scientific and technological self-reliance, consolidate the foundation of innovation and development, and enhance the new kinetic energy of comprehensive transportation development.

Section 1 Promoting Intelligent Upgrading of Infrastructure

　　Improve the digital perception system of facilities. Promote the digital transformation and upgrading of existing facilities, and strengthen the synchronous planning and construction of new facilities and perception networks. Establish a facility operation state awareness system, strengthen the digital sensing monitoring coverage of important passages and hubs, and enhance the all-weather and full-cycle operation state monitoring and active early warning capabilities of key sections and important nodes.

　　Construct the information interactive network of facilities and equipment. Steadily promote the coverage of network communication facilities such as 5G, and improve the coverage, real-time and reliability of information transmission in the transportation field. Carry out 5G-based application scenarios and industrial ecological pilot demonstrations in the field of intelligent transportation. Promote the deployment and application of vehicle networking, and support the construction of an intelligent management system integrating "vehicle-road-traffic management". Create a new generation of rail transit mobile communication and aviation communication systems, study and promote the compatibility of multi-level rail transit signal systems, and simultaneously optimize the access conditions of mobile Internet such as trains and aircraft. Improve the information level of postal confidential communication.

　　Integrate and optimize the comprehensive transportation information platform. Improve the supervision service function of comprehensive transportation information platform, and promote the construction of autonomous driving supervision platform in qualified areas. Building a global shipping service network based on blockchain technology. Optimize and integrate the civil aviation data information platform. Improve the capacity integration capability of logistics information platform, strengthen smart cloud supply chain management and smart logistics big data application, and accurately match the supply demand. We will build an intelligent management platform for urban traffic in an orderly manner and strengthen the refined management of urban traffic.

Section 2 Promoting the Application of Advanced Transportation Equipment

　　Promote the popularization and application of Beidou system. Improve the transportation Beidou system infrastructure, improve the Beidou ground-based enhanced network, and improve the Beidou short message service level. We will steadily promote the application of Beidou system in the fields of railways, highways, waterways, general aviation, urban public transportation, global maritime shipping, international road transportation, etc., promote the layout and construction of a train operation control system integrating Beidou technology, and carry out a demonstration of Beidou industrialization application in civil aviation.

　　Promote advanced and applicable transportation equipment. Develop and apply CR450 high-speed Chinese standard EMU and pedigreed China standard subway train, and popularize railway heavy-haul transportation technology and equipment. Improve the research and development capabilities of large LNG carriers, polar ships and large cruise ships, and promote the research and development of new equipment such as underwater robots, deep diving equipment, semi-submersible salvage cranes in the deep sea, and large-scale multifunctional rescue boats in the deep sea. Promote green smart ships, promote the application of single smart ship technology such as autonomous navigation of ships, and promote the overall technical application of shore-based collaborative systems, security systems and remote control systems for intelligent navigation of ships. Strengthen the capacity building of airworthiness certification, promote the demonstration operation of C919 passenger aircraft and the serial development of ARJ21 in regional aircraft, and promote the application of Xinzhou 700 regional aircraft, AG600 amphibious aircraft, heavy helicopters, plateau heavy-duty unmanned aerial vehicles, etc. Promote the development of intelligent warehousing and distribution facilities and equipment.

　　Improve the level of equipment standardization. Popularize the application of lightweight trailers, carry out special treatment of atmospheric liquid dangerous goods tankers, and steadily carry out the treatment of ultra-long flat semi-trailers and ultra-long container semi-trailers. Promote the standardization of inland river ship types, promote river-sea direct ship types, Three Gorges ship types, energy-saving and environmental protection ship types, and develop standard ship types for Yangtze River cruise ships. Promote the research and development of on-board rapid security inspection equipment. Consolidate and enhance the competitiveness of the whole industrial chain in the fields of high-speed rail and ships, and create China standards and China brands in the fields of rail transit, aerospace and other technical equipment.

Section III Innovating Operation Management Mode

　　Guided by meeting personalized and high-quality travel needs, we will promote the digitalization of the whole service process, support market players to integrate resources, provide "one-stop" travel services, and create a smoothly connected service chain. We will steadily develop travel services such as autonomous driving and vehicle-road coordination, encourage autonomous driving to test and apply in limited areas such as ports and logistics parks, and promote the development of intelligent public transport, intelligent parking and intelligent security inspection. Guide and standardize the healthy development of online car-sharing, bike-sharing, car time-sharing and online freight platforms to prevent disorderly expansion. Accelerate the development of "internet plus" efficient logistics new mode and new format. Strengthen high-definition observation of deep-sea targets and high-precision space-time services at sea. Improve the transportation government service and supervision ability, improve the digital and information supervision means, strengthen off-site supervision, credit supervision and joint supervision, and realize the nationwide networked operation of the supervision system.

Section IV Consolidate the Foundation of Innovation and Development

　　Promote transportation science and technology to stand on its own two feet. Strengthen the research and development of key core technologies in the field of transportation, accelerate the research and development of key components such as bearings, wire-controlled chassis, basic technology platform and software and hardware systems, and promote the realization of independent control and industrialization. Strengthen forward-looking and strategic technical research reserves in the field of transportation, strengthen technical research and development in the fields of intelligent networked vehicles, automatic driving, vehicle-road coordination, autonomous navigation of ships, and ship-shore coordination, and carry out research and demonstration of high-speed magnetic levitation technology. Strengthen the research and development of construction technologies such as lines, long-span bridges and super-long tunnels under complex environmental conditions and research and development of high-performance engineering materials. Strengthen the research and development of key technologies for high-lift and large-tonnage ship lifts.

　　Cultivate the ecological circle of traffic science and technology innovation. Promote the deep integration of politics and Industry-University-Research in the field of transportation. Encourage superior enterprises to integrate the resources of the transportation science and technology industry chain, cultivate the transportation science and technology industry ecosystem through open data, open platforms and open scenarios, and build a transportation science and technology industry incubator base. Strengthen the construction of key scientific research platforms in the industry, promote the construction of key laboratories and technological innovation centers, and cultivate national-level scientific and technological innovation bases.

　　Strengthen open sharing of data. Strengthen the classification management of transportation data. Further improve the open sharing mechanism and exchange channels of transportation data resources, formulate the open system norms of data resources, and promote the compliance, opening and sharing of mature data resources. Strengthen the safety control of transportation data, improve the safety protection system of data classification, formulate safety standards for intelligent transportation data application, standardize data source collection, processing and use, and strengthen the protection of important data and personal information.

Chapter VIII Promoting Green and Low-carbon Transformation in an All-round Way

　　Adhere to the Lucid waters and lush mountains are invaluable assets concept, adhere to the ecological priority, comprehensively promote the green and low-carbon transformation in the whole life cycle of transportation planning, design, construction, operation and maintenance, and jointly promote pollution reduction and carbon reduction to form a long-term mechanism for green and low-carbon development, so as to make transportation more environmentally friendly and travel more low-carbon.

Section 1 Optimizing and Adjusting the Transportation Structure

　　We will further promote the adjustment of transportation structure and gradually build a medium-and long-distance freight system based on railways and ships. Accelerate the construction of special railway lines, and promote the transportation of bulk goods and medium and long-distance goods "revolving iron" and "revolving water". Optimize the "door-to-door" logistics service network, encourage the development of intensive distribution modes such as joint distribution, unified distribution, centralized distribution and time-sharing distribution of urban and rural logistics, increase the proportion of green transportation of industrial and mining enterprises, and expand the supply of urban production and living materials by rail.

Section II Promotion of Low Carbon Facilities and Equipment

　　Plan to build a convenient, efficient and moderately advanced charging and replacing network, focus on promoting the construction of charging facilities and equipment in transportation hub stations, parking facilities, highway service areas and other areas, and encourage the rational layout of photovoltaic power generation and energy storage facilities along transportation hub stations, highways and railways. Promote the low-carbon and diversified development of transportation energy, actively promote new energy and clean energy transport vehicles, steadily promote the electrification of railways, promote inland river ships to use clean energy more, and further reduce the energy consumption of vehicles. We will continue to promote the construction of shore power facilities at ports and docks and alternative facilities for airport aircraft auxiliary power units, promote the transformation of ship power receiving facilities, and continuously improve the utilization rate of shore power.

Section III Strengthening Pollution Prevention and Control in Key Areas

　　Implement the system of ship air pollutant emission control zone. Promote the effective connection between the port receiving facilities of ship pollutants and urban public transshipment and disposal facilities, and improve the supervision system of electronic bills. Improve the long-term mechanism of pollution prevention and control of ships and ports in the Yangtze River Economic Belt. Carry out comprehensive treatment of sewage and dust in the port area, promote the recycling of production and domestic sewage and rainwater sewage, and improve the wind and dust suppression facilities in the dry bulk terminal yard. Carry out traffic noise pollution control, properly handle the noise impact of large airports, and actively eliminate existing noise pollution.

The fourth quarter comprehensively improve the efficiency of resource utilization

　　Promote the coordinated development of transportation and other infrastructure, and create a composite infrastructure corridor. Make overall and intensive use of comprehensive transportation corridor’s line location, bridge location, land, coastline and other resources to improve the comprehensive utilization rate of land space. Promote scientific route selection and site selection, popularize land-saving technology, strengthen soil erosion protection and ecological protection design, give priority to avoiding land space with important ecological functions or sensitive and fragile ecological environment, and try to avoid areas where noise-sensitive buildings are concentrated. Promote the reduction, standardization and recycling of express packaging. Promote the resource utilization of waste facilities and materials.

Section 5 Improve carbon emission control policies

　　Implement the green and low-carbon transformation of transportation. Study and formulate statistical methods and accounting rules for carbon emissions in the transportation field, strengthen basic statistical accounting for carbon emissions, establish a monitoring platform for carbon emissions in transportation, and promote the construction of near-zero carbon transportation demonstration zones. Establish a green and low-carbon transportation incentive and restraint mechanism, and classify and improve measures such as traffic management and parking management.

Chapter IX Enhancing the Ability of Safety Emergency Support

　　Adhere to the overall national security concept, implement the national security strategy, safeguard and shape national security, run safety development through all fields and links of comprehensive transportation, firmly hold the safety bottom line, lay a solid foundation for safety development, enhance the emergency support capability of emergencies, and build a national security barrier.

Section 1 Improving the Anti-risk Ability of Traffic Network

　　Strengthen the safety risk assessment and classified management and control of transportation infrastructure, strengthen the identification of major risk sources, dynamic monitoring and analysis of the whole process, forecast and early warning, build meteorological monitoring and early warning systems in important passages, hubs and shipping areas, and improve the ability of transportation infrastructure to adapt to climate change. We will steadily increase the multi-path connection ratio in key areas such as disaster-prone areas, major industries and energy bases, improve emergency traffic evacuation, rescue and refuge channel systems, and enhance the resilience of transportation networks. Strengthen the network security protection of key information infrastructure and important information systems in the transportation field, and promote the independent control of information system facilities and equipment.

Section 2 Maintenance of Intrinsic Safety of Facilities and Equipment

　　Establish and improve the infrastructure asset management system, strictly control the source quality of facilities and equipment products, reasonably arrange the construction period, and promote the construction of fine products and fine management. Strengthen the construction of traffic safety facilities, and promote the synchronous design, construction and operation of safety supporting facilities, key target prevention facilities and the main project. Strengthen the early warning and protection monitoring of high-speed railway combining civil air defense, physical defense and technical defense, and strengthen the construction of railway disaster prevention and insurance facilities. Standardize the setting of urban road traffic safety facilities and traffic management facilities. Focusing on water and cliffs, hidden danger intersections and traffic signs and markings, we will strengthen the investigation and rectification of hidden dangers in rural roads, bridges and tunnels and the supporting safety facilities. Improve the safety supporting facilities of water transport projects and the anti-collision facilities of bridges.

Section III Strengthening Safety Production Management

　　Improve the working mechanism of enterprise safety risk classification control, hidden danger investigation and management, technical investigation of accidents and major dangers, strengthen statistical analysis of production safety accidents, and strengthen supervision, inspection and law enforcement. Comprehensive use of scientific and technological means to carry out risk dynamic monitoring and early warning and analysis and judgment. Implement the main responsibility of enterprise safety production and strengthen the responsibility of safety production supervision and management. Strengthen the improvement of the safety environment along the railway, consolidate the whole chain management of civil aviation operation safety, strengthen the safety management of urban rail transit operation protection zones, and strengthen the safety supervision and emergency management of delivery channels. Strengthen the operation safety of facilities and equipment, improve the supervision mechanism of truck production and modification, and put an end to illegally modified freight vehicles leaving the factory. Strengthen the supervision of the source of cargo loading, and prohibit vehicles that are overloaded and overloaded from leaving the scene (station) to drive on the road. Improve the transportation network of dangerous chemicals, optimize transportation traffic control measures, and strengthen the traffic management of key parts such as ports, tunnels and dams. Optimize the working environment of professional drivers, couriers and crew members, and strengthen the quality management of motor vehicle driver training.

Section IV Strengthening Safety Emergency Support

　　Improve the comprehensive transportation emergency management system and mechanism, improve the emergency coordination mechanism and emergency plan system, and strengthen the construction of transportation dispatching and emergency command platform. Promote the construction of regional highway emergency equipment and materials reserve centers. Strengthen water traffic safety supervision, navigation support and salvage capacity building, improve coastal and inland oil spill emergency equipment libraries, and build a water traffic safety guarantee system integrating land, sea, air and space. Construction of urban rail transit emergency drill center. Constructing aviation emergency service network with backbone aviation logistics enterprises as the main body. Construction of maritime supervision and command system. Based on the investigation of hidden dangers of urban transportation infrastructure, such as underground space, low-lying areas, key sections, important points and key facilities, we will establish and improve risk accounts and lists of hidden dangers of disasters, fill in shortcomings such as facilities, equipment and emergency rescue materials, continuously improve emergency response plans, improve emergency response mechanisms, and enhance our ability to cope with extreme weather. Strengthen the construction of emergency professional team and volunteer team, and enrich the national emergency transportation reserve force. We will improve the non-traditional security emergency command system and emergency transportation organization to deal with major epidemics, prevent and respond to terrorist attacks, and ensure information security.

Chapter X Promoting High-level Opening-up Cooperation

　　Adhere to open cooperation, promote interconnection, strengthen "hard connectivity" of infrastructure and "soft connectivity" of institutional rules, ensure the safety of international logistics supply chain, improve the efficiency and level of domestic large-scale circulation, and shape new advantages in participating in international cooperation and competition.

Section 1 Promoting Infrastructure Interconnection

　　We will build an all-directional, multi-level and compound "Belt and Road" infrastructure network, actively promote infrastructure interconnection with neighboring countries, and promote the construction of port railways, port highways and boundary river waterways. We will strengthen the construction of large-scale land transport corridors facing Russia, Mongolia, Southeast Asia, South Asia and Central Asia, and support Tibet in building an important corridor open to South Asia. Further improve the maritime strategic channel, plan to build the Asia-Europe land and sea trade channel and the northeast land and sea trade channel, and fill the shortcomings of infrastructure along the route.

Section 2 Further Smooth International Transportation

　　Give full play to the demonstration effect of China-Singapore interconnection project, strengthen consultation and cooperation with neighboring countries, continuously promote the quality and efficiency of rail-sea intermodal transport in the new land-sea corridor in the west, and promote the development of cross-border trains. Optimize the network layout of international shipping routes, improve the efficiency of land-sea combined transport between China and South Korea, promote the healthy development of China-Europe land-sea express line, and expand the brand influence of "Silk Road Shipping". Stabilize the surrounding air transport markets such as Southeast Asia and Northeast Asia, expand the intercontinental route networks such as Europe, North America and Oceania in an orderly manner, and build the "Silk Road in the Air". We will steadily expand the scope of implementation of the agreement on facilitation of international road transport. Optimize the international combined transport organization and transit service, and improve the overseas transshipment service network.

Section III Promoting the High-quality Development of China-Europe Trains

　　Upgrade and transform the China-Europe train port and the rear "stuck neck" section, and speed up the upgrading of technical equipment and information construction. Accelerate the construction of China-Europe train assembly center, promote the unified waybill of China-Europe trains and the mixed transportation of domestic and foreign trade goods, improve the efficiency of supply assembly and train operation, and expand the scope of railway freight trains. Improve the evaluation system of China-Europe trains, improve the industry self-discipline mechanism, consolidate and maintain the brand image, and strengthen risk prevention and control. Promote the convergence and unification of international railway intermodal transport rules, explore the establishment of new rules for joint development with trade and finance, and promote the establishment of an intergovernmental cooperation mechanism between China and Europe.

Section IV Deepening Multi-field Exchanges and Cooperation

　　Actively integrate with international rules and standards, and coordinate and promote the docking of transportation tools, loading units, reloading and transshipment equipment, operation procedures, safety rules, service specifications, information data and other standards. Support enterprises to participate in the construction of transportation infrastructure and international transportation market cooperation along the "Belt and Road", and promote a new model of international capacity cooperation in the development and construction of transportation, industrial parks and cities. Establish China International Sustainable Transportation Innovation and Knowledge Center. Strengthen exchanges and cooperation in the fields of navigation support in the deep sea, search and rescue, automatic driving, scientific and technological talents, build a world-class ship inspection agency, and actively participate in the global governance of emission reduction in the international aviation and shipping industries.

Section 5 Ensuring the Security of International Logistics Supply Chain

　　Efforts will be made to form a transportation network with land, sea and air as a whole, strengthen supply and demand docking and capacity coordination, and enhance the national logistics supply chain support capability. Pragmatically promote cooperation with ASEAN countries and countries along important maritime routes, strengthen international maritime cooperation, cooperate with countries along the Maritime Silk Road to promote the construction and operation of overseas ports, build a modern ocean-going transport fleet, and maintain the safety and smoothness of important international maritime routes. Enhance the international air cargo capacity, improve the allocation efficiency of key resources such as air rights and time, support airlines to build an international cargo route network, build an aviation logistics enterprise with global competitiveness, and enhance the global response capability of aviation logistics. Cultivate and expand logistics enterprises with international competitiveness, and steadily promote the construction of overseas distribution centers and terminal delivery and distribution networks. Improve the information service level of international logistics supply chain, and do a good job of logistics information docking with foreign trade enterprises.

Chapter XI Strengthening the Construction of Modern Governance Capacity

　　Unswervingly push forward the reform, focus on the deep-seated contradictions that restrict the high-quality development of comprehensive transportation, optimize and improve the management system, operational mechanism, laws, regulations and standard system, build a high-level talent team, promote the modernization of governance capacity, and continuously enhance the development momentum and vitality of comprehensive transportation.

Section 1 Deepening the Reform of Key Areas

　　Further clarify the relationship between the government and enterprises in the railway industry, promote the market-oriented reform of competitive links in the railway industry, promote the independent construction and operation of intercity railways and municipal (suburban) railways in qualified places, promote the shareholding system reform of national railway enterprises and the listing of high-quality assets, and improve the rules for railway cost liquidation and income distribution. Promote the reform of highway toll collection system and maintenance system, and promote the differentiated toll collection of expressways. Continue to promote the reform of air traffic control system, improve the joint operation mechanism of military and civilian air traffic control, implement refined management of airspace resources classification, optimize the national air route network, and deepen the reform of low-altitude airspace management. Realize the separation of postal universal service business and competitive business. Study and improve the shipping management system and mechanism of Xijiang shipping trunk line and boundary river. Deepen the reform of comprehensive administrative law enforcement in transportation. Build a full-factor water traffic management system, optimize and improve the maritime supervision mechanism and mode.

Section 2 Promoting the Formation of a Unified Open Market

　　Establish and improve the integrated development mechanism of transportation in urban agglomerations. We will implement a fair competition review system and standardize subsidy policies for China-Europe trains, ports and airlines, and international civil aviation routes. Establish a new supervision mechanism based on credit, strengthen the disclosure of credit information sharing, risk monitoring and safety management, and promote credit commitment in advance, credit evaluation and classification supervision in the process, reward and punishment afterwards and credit repair. Explore the establishment of a fault-tolerant system for innovative development of transportation. Standardize the price management of new transportation formats and new modes, improve the price formation mechanism of cruise taxis, and deepen the market-oriented reform of road passenger transport prices.

Section III Innovation of Investment and Financing System and Mechanism

　　We will fully implement the reform plan for the division of financial powers and expenditure responsibilities between the central and local governments in the field of transportation, optimize the debt structure, and prevent and resolve the hidden debt risks of local governments. Improve the long-term financing channels that match the project funding needs and deadlines. We will stabilize and improve the policy of special funds for transportation, continue to support the maintenance of transportation infrastructure through the reform of taxes and fees for refined oil, transfer payments and other channels, and optimize and improve the financial policies to support the development of postal services and water transport. Improve the special bond system for toll roads. Support qualified project implementers to carry out market-oriented financing by issuing corporate bonds and other means, steadily promote the pilot of real estate investment trusts (REITs) in infrastructure, standardize the development of cooperation mode between government and social capital, support development finance, policy finance and social capital to participate in transportation infrastructure construction according to laws and regulations, and encourage social capital to set up industrial investment funds such as multimodal transport. Relying on the national online approval and supervision platform for investment projects, we will strengthen post-event supervision.

The fourth quarter to improve laws, regulations and standards.

　　Accelerate the construction of laws, regulations and standard systems that adapt to the modern comprehensive transportation system. Study and revise laws and regulations related to highways, railways, civil aviation and comprehensive transportation, and promote the effective connection of various systems. We will build a high-quality development standard system and statistical system for comprehensive transportation, improve technical standards such as comprehensive transportation hub, passenger joint transportation, multimodal transport of goods, intelligent transportation, green transportation, traffic safety emergency, barrier-free transportation, new formats and new models, and strengthen the convergence of various standards. Promote the integration of dangerous goods multimodal transport service rules and mutual recognition of test results. Strengthen quality and technical infrastructure such as measurement, standards, certification and accreditation, inspection and testing, and strengthen quality supervision and management.

Section 5 Strengthening the Construction of Talent Team and Traffic Civilization

　　We will build a new think tank alliance for transportation, optimize the leading talent discovery mechanism and project team selection mechanism, deepen the reform of scientific research fund management, improve the talent evaluation system, vigorously train and use strategic scientists, and create a large-scale team of young scientific and technological talents. Strengthen the cultivation of innovative, applied and skilled talents, expand the team of high-skilled talents and train a large number of outstanding engineers. Strengthen the construction of soft power of transportation culture, promote the construction of excellent transportation culture projects, deepen the construction of transportation cultural projects, and improve the civilized quality of transportation participants. Strengthen the construction of all-media communication ability of transportation, and enhance the communication, guidance, influence and credibility of transportation government media. Further strict discipline, improve work style, improve the ability and level of transportation law enforcement team, and strictly regulate fair and civilized law enforcement. Innovate the new mechanism and method of publicity and education on the rule of law, implement the responsibility system of popularizing law, and cultivate the culture of traffic rule of law.

Chapter XII Strengthening the Guarantee of Planning Implementation

　　Adhere to the party’s overall leadership over the development of transportation, strengthen organization and coordination, factor support, supervision and guidance, give play to the role of pilot demonstration, and ensure the strong, orderly and effective implementation of the plan.

Section 1 Strengthening the Party’s Overall Leadership

　　Insist on arming the minds of party member cadres with Socialism with Chinese characteristics Thought of the Supreme Leader in the New Era, conscientiously implement the decision-making arrangements of the CPC Central Committee and the State Council, strengthen the "four consciousnesses", strengthen the "four self-confidences" and achieve the "two maintenance". Give full play to the party’s core role of commanding the overall situation and coordinating all parties, and strengthen the party’s leadership in all fields, aspects and links of transportation development. Strengthen the construction of grass-roots party organizations in the transportation industry, guide party member to play a vanguard and exemplary role, and build grass-roots party organizations into a strong fighting fortress for the development of a strong transportation country.

Section 2 Strengthening Organization and Coordination

　　All relevant departments should improve their ideological understanding, improve supporting policies and measures in accordance with the division of responsibilities, strengthen departmental coordination, strengthen the linkage between the upper and lower levels, do a good job in linking this plan with the outline of the national economic and social development plan and the planning of land space and river basin integration, do a good job in linking and implementing special plans such as railways, highways, water transport, civil aviation and postal services with this plan, and solidly promote the construction of major projects. Local people’s governments at all levels should closely combine the actual development, refine the main objectives and key tasks determined in this plan, and do a good job in the implementation of the local comprehensive transportation development plan and this plan.

Section III Promoting Pilot Demonstration

　　Focusing on first-class facilities, first-class technology, first-class management and first-class service, we will promote the pilot demonstration of building a strong transportation country in an orderly manner in terms of optimal allocation of resources in cross-regional comprehensive transportation corridors, new infrastructure in the transportation field, international comprehensive transportation hub clusters, urban agglomeration and urban-rural transportation integration, high-quality development of "four good rural roads", integrated development of transportation and tourism, standardization of facilities and equipment service management, reform and model innovation of investment and financing system, construction of international logistics supply chain and development of green and low-carbon transportation, and establish and improve it.

Section IV Strengthening Factor Guarantee

　　Strengthen the financial policy guarantee, arrange government investment to actively support the construction of transportation infrastructure, and include qualified projects in the scope of local government bond support. Increase investment in conservation funds, fully guide diversified capital to participate in transportation development, and form a sustainable capital investment mechanism that pays equal attention to construction and maintenance. Explore diversified support policies such as comprehensive development of hub land. Improve the coordinated promotion mechanism of major projects across departments and regions. Make good use of the cross-regional co-ordination mechanism for supplementary cultivated land, strengthen the protection of resource elements such as land use, sea use and energy use for key projects, and do a good job in the reservation and supply of resource elements.

Section 5 Do a good job in supervision and guidance

　　Establish and improve the evaluation system for major planning, major policies and major projects in the field of transportation, and carry out social stability risk assessment for major decisions as required. Strengthen post-event supervision and dynamic monitoring and analysis during the implementation of the plan, carry out mid-term evaluation and post-evaluation of construction projects in a timely manner, supervise and guide the implementation of the plan, and make dynamic adjustments when necessary to ensure the effectiveness of the plan.

In today’s era of information explosion, online rumors spread like viruses, tearing at the private lives of public figures, and making ordinary netizens feel helpless. Recently, a live broadcast triggered by actor Bao Beier caused widespread concern because of false rumors against the late artist Kimi. This live broadcast not only shows Bao Beier’s anger and helplessness about online rumors, but also makes us begin to reflect on the influence of rumors on individuals and society.

First, the background of the incident: the friendship between Bao Beier and Kimi

Kimi, an artist who was widely loved because of his outstanding talent and charm when he was young, his sudden death left many people with indelible regrets. And Bao Beier, as his good friend, their friendship has been widely circulated in the entertainment circle. After Kimi’s death, rumors about him emerged one after another. Recently, rumors about the false relationship between Bao Beier and him surfaced. Bao Beier expressed strong indignation at this in the live broadcast, saying that he had handled it with the police and vowed to safeguard his friend’s reputation and his own legitimate rights and interests.

Second, the impulse alarm? Or rational rights protection?

In the live broadcast of Bao Beier, we can clearly feel his anger at the rumor. In the face of cyber violence, he chose to call the police, although some netizens expressed doubts about this and thought that calling the police was impulsive, futile and useless. However, the act of calling the police is extremely important at the legal level.

In our country, fabricating and spreading false information, especially those involving personal reputation and privacy, can constitute crimes such as libel or infringement of reputation rights. This means that although there are not many examples of being investigated for criminal responsibility because of online rumors in reality, it does not mean that the police have no effect. As legal experts have said, calling the police is the first step to start the legal process, which allows the police to intervene in the investigation and collect evidence, which constitutes a certain deterrent to rumor makers. Even if the case is not filed in the end, the victim can still seek reasonable compensation and fair treatment through legal channels.

Third, the double-edged sword effect of social media

The background of the incident is also inseparable from the influence of modern social media. Social media, as an important tool for information dissemination, provides a rich expression platform for everyone, but it also encourages the breeding of rumors. Everyone has become a disseminator of information. However, without the truth, data and emotions are mostly spread, and how many people are misled by it is unknown. The Bao Beier incident reminds us that every forwarding and comment needs to be based on real facts, and it also needs rationality and thinking.

4. Stars and rumors: the pain caused by reputation damage

Rumors not only affect the image and career of stars, but also do great harm to their private lives. As public figures, stars are already under pressure from all sides, not to mention being repeatedly attacked by rumors on the Internet. The friendship between Bao Beier and Kimi was violated by rumors, which not only caused the loss of reputation, but also made people see the weakness and selfishness in human nature.

In this incident, Bao Beier’s voice and anger represent the voices of countless people who have been victims of rumors. He used his practical actions to warn those who spread rumors maliciously, and let us see that stars are not powerless in the face of cyber violence, but have the courage to safeguard their own and friends’ reputations.

V. Conclusion: Collective Reflection and Call for Action

Bao Beier’s anger is not only the protection of personal reputation, but also the reflection and call for the whole network environment. As ordinary netizens, we need to improve media literacy, judge the authenticity of information, and resolutely refuse to believe in rumors and spread them. At the same time, we expect the society to strengthen supervision over the spread of online rumors in order to protect the legitimate rights and interests of every individual. In the end, no matter what the outcome of this incident is, it should urge us to look at network communication more rationally and assume our due social responsibilities.

Let’s work together to maintain truth and harmony in this ocean of internet, so that rumors have nowhere to hide.

Editor in charge:

Photo courtesy of Xuchang Pangdonglai Xuchang Wenlv

　　editorial comment/note

　　Zibo kebabs, Harbin ice and snow tour, Gansu Tianshui Mala Tang, Henan Xuchang Pangdonglai supermarket tour … The hot spots of cultural tourism in every city are constantly refreshing the cognition of people in the industry.

　　Brand building of urban cultural tourism is an important way to enhance the image and competitiveness of the city. In the context of the continuous warming of cultural tourism, some typical cases have caught the "sky-splashing wealth" with their unique cultural charm, innovative marketing strategies and high-quality service experience, and promoted the urban cultural tourism to explode.

　　From now on, the top news Henan Business Daily and the hometown Henan New Media Matrix will launch a series of observations, analyzing the "explosion" samples emerging in urban cultural tourism, and providing path reference for the construction and development of urban cultural tourism brands.

　　Top News Henan Business Daily reporter Wang Yingying

　　"The last time Xuchang was so hot, it may be traced back to Cao Cao’s capital here 1800 years ago."

　　"Its disadvantage is that my city doesn’t have it!"

　　In Xuchang, "Fat Donglai" is called "6A Scenic Area" by netizens without off-season. As a result, a new profession, Fat Dong came to study as a tour guide, was born here.

　　Why is it that when other city tour groups take "pure play without shopping" as the propaganda language, Xuchang can make a business supermarket become a drainage artifact of urban cultural tourism, realizing the two-way flow of cultural tourists and stimulating consumption?

　　Tourist attractions move towards urban cultural tourism and from cultural tourism to shopping malls.

　　"Dear tourists, welcome to Xuchang, our Xuchang is a city with culture, history and temperature!" Wei Qiong, a research guide, dressed in a straight suit and with a cordial smile on his face, tells the history, culture and business story of Xuchang while leading tourists through the floors from Fat East.

　　With the explosion of the Fat East, the "Fat East" tourist line was opened in many places across the country. In the past, when you traveled with a tour group and the tour guide took you to Shangchao, you would complain about the "compulsory consumption" of the tour guide. In Xuchang, not only a new profession like Shangchao research tour guide was born, but Shangchao research tour has also become a popular punching place.

　　According to the statistics released by Xuchang, Henan Province, during the Spring Festival holiday, three merchants from Pangdonglai, located in Xuchang City, received 1,163,300 tourists in three days, surpassing the scenic spot with the number one tourist reception in Henan.

　　In Xuchang, "Fat Donglai" is called "6A Scenic Area" by netizens without off-season. Why can a supermarket become a city’s cultural tourism punching place?

　　Sun Zhen, executive director of the Cultural Tourism Branch of China Planning Institute, believes that whether it is a "supermarket tour" from Pangdong or a Fujian tourist god who was very popular at the beginning of the year, it can be seen that cultural tourism consumption is moving from tourist attractions to urban cultural tourism, from cultural tourism to shopping malls and others. The popularity of supermarket tours in Fat Donglai is a typical example of "tourist attractions moving towards urban cultural tours and from cultural tours to shopping malls".

　　What is hot is not tourism, but new experiences.

　　"At the moment, when we are thinking about how to break through the city’s cultural tourism, we should be good at finding the best entrance for tourists to experience the city’s cultural life in the most comfortable angle." The relevant person in charge of the new cultural travel era said.

　　In 2023, Henan Cultural Tourism and Creative Development Conference proposed to enrich the business experience, vigorously develop new cultural tourism, and promote high-quality economic and social development with new cultural tourism.

　　In recent years, all parts of Henan have actively explored the ways of "subversive creativity, immersive experience, young consumption, mobile communication" and other urban cultural tourism. By optimizing the supply of cultural tourism products, they have created a new scene of cultural tourism consumption, allowing tourists to wander in history and culture and satisfy their beautiful yearning for "poetry and distance".

　　In recent years, Xuchang City has been continuously digging deep into the cultural resources of the Three Kingdoms to make the history and culture "alive". At the same time, it has combined the resources of the Three Kingdoms culture, Cao Wei culture and other resources to explore and create a number of new formats, new scenes and new models such as "Shang Chao+Wen Lv" and "Shang Chao+Yan Xue".

　　In addition to "Fat East", when searching for Xuchang’s travel strategy on the online platform, topics such as "Xuchang hairpin flowers", "Night tour of Caowei ancient city", "Xuchang’s water bus" and "Xuchang’s happiness is not limited to Fat East" have attracted widespread attention. "After visiting the Fat East, visit the ancient city of Cao Wei, experience a hairpin makeup and take a night tour by water bus" has become the choice of many tourists.

　　The ubiquitous warmth and culture are the biggest attractions for tourists.

　　How can urban cultural tourism find the "explosion" in the city and build it into a written tourism brand IP?

　　Sun Zhen believes that from the perspective of communication methods, we are in the era of new media, Z era and cultural self-confidence. From the perspective of the cultural tourism industry, there are still problems such as the sameness and homogenization of cultural tourism projects in the industry. The proportion of tourist attractions in the cultural tourism industry is getting smaller and smaller, and there are more and more new projects and new experiences coming across the border.

　　From the popularity of the "supermarket tour" in Fat Donglai, it is not difficult to see that young people are more willing to pay for the emotional resonance and thinking recognition behind it. It is true that the ubiquitous warmth and culture is the biggest attraction for tourists.

　　In recent years, more and more commercial spaces have become tourist punch points and even scenic spots in online celebrity. These places will no longer only meet the needs of "leisure shopping" as a whole, but will move towards urban tourism benchmark destinations integrating "culture, experience and commerce". Sun Zhen believes that both the upgrading of scenic spots and cross-border projects are driven by scenes, and the creation of urban cultural tourism brands should break the inherent thinking and create new cultural tourism scenes through immersion, experience, simplification, warmth and theme.

It’s a cool autumn,

This weather is suitable for going out to play.

Come and have a look before you go out.

Some good news about Shenzhen traffic recently.

Banyin channel project

It is expected to be completed by the end of next year.

Riverside Avenue pavement repair and traffic improvement project has been completed,

Good news came from the second phase of Metro Line 6.

The most beautiful sea route in Shenzhen resumed operation,

Four direct flights were opened at the end of the month.

Sakaguchi Yintong will be completed by the end of the year.

The intersection of Beihuan Avenue and Shangbu Interchange was closed for 135 days.

The reporter learned from the Shenzhen Municipal Communications Commission that from now on, the intersection of the main road of Beihuan Avenue and Shangbu Interchange will be closed until January 9 next year to make way for the accelerated construction of the Banyin Passage. The Shenzhen Municipal Communications Commission announced on October 15th that the Banyin Channel Project is expected to be completed by the end of next year according to the current progress of the project.

General plan renderings of Banyin Channel

It is understood that the Banyin Passage Project starts from the north side of Huangmugang Interchange in the south and is arranged along the west side of Beihuan Avenue via Nigang Interchange in the north. After crossing Beihuan Avenue, it crosses Jinhu Reservoir by sinking the tunnel, continues to cross Yinhu Road into Jigongshan, crosses xiamen-shenzhen railway Meilin Tunnel, crosses Nanping Expressway after leaving the tunnel, connects Banxuegang Avenue to the north, and finally reaches the intersection of Huancheng South Road. The main line is 10.7 kilometers long. A new Jigongshan tunnel (with a total length of 8,856 meters on the left and right lines) and an interchange at the North Ring Road will be built, and two interchanges at Nigang North Ring Road and Nanping Banxuegang will be rebuilt.

Present situation of the intersection of Beihuan Avenue and Shangbu Interchange

In order to smoothly promote the construction of Banyin Passage, from now on, the five lanes of the main road in Yinhu section of Beihuan Avenue (eastbound) will be adjusted to three lanes, and the one-lane auxiliary road will be adjusted to two lanes. The three eastbound main lanes can only go to Nigang East Road (Buji direction), and the original main lane of North Ring Road will be closed to Shangbu Road and Nigang West Road (Huafu Road). The closing time is expected to be January 9 next year. Vehicles passing through this section can turn at Huanggang Interchange to the auxiliary road of Beijiashan Waterworks (eastbound), and take the right auxiliary road at Yinhu exit of Beihuan Avenue (eastbound) or other surrounding roads.

Regarding the progress of the construction of the Banyin Channel, which the public is most concerned about, the Shenzhen Municipal Communications Commission revealed that as of October 15, there were 59 cast-in-place box girders in the superstructure of the Banyin Channel Bridge, 32 of which have been completed, and 54.2% have been completed; There are 18 steel box girders, 6 of which have been completed, accounting for 33.3%. In terms of tunnels, the left tunnel of Banyin Channel Tunnel is 4,346 meters long, and the actual completion is 2,811 meters, and the right tunnel is 4,435 meters long, and the actual completion is 2,936 meters, with a cumulative completion of 65.4%; Inclined shaft excavation and support 740m. "According to the current progress of the project, the Banyin Channel project is expected to be completed by the end of next year." (Shenzhen News Network reporter Tu Sheng)

Work is not blocked!

Pavement repair and traffic improvement works of Binhe Avenue have been completed.

On October 15th, the Municipal Communications Commission released a message saying that recently, the main road surface of Binhe Avenue pavement repair and traffic improvement project was completed and opened to traffic. At present, the construction of auxiliary roads and sidewalks is stepping up. The Municipal Transportation Facilities Bureau made full use of the Mid-Autumn Festival and National Day holidays, increased the input of resources, overcame the impact of the strong typhoon on the construction, and organized the contractors to concentrate on completing the asphalt paving of the main roads on the north and south sides. Considering the huge traffic flow on Binhe Avenue, the asphalt paving operation time is night construction (from 22: 00 to 6: 00 the next day).

It is reported that the total length of Binhe Avenue is about 9.975 kilometers, from Guangzhou-Shenzhen Expressway Interchange to Baoan South Road, which is an important east-west expressway in Shenzhen. Affected by the construction of Chunfeng Tunnel, the actual improved section is the Guangzhou-Shenzhen Expressway Interchange Shangbu Interchange, with a length of about 8.6 kilometers.

The construction contents of Binhe Avenue pavement repair and traffic improvement project mainly include: replacing the central collision wall of the road, transforming the mud concrete pavement into asphalt concrete pavement, so as to achieve the effects of environmental protection, noise reduction and improving driving comfort, and upgrading the road slow-moving system, including improving the facilities such as sidewalks and bicycle lanes. At present, the construction is progressing smoothly, and the auxiliary roads and sidewalks are being stepped up. (Shenzhen Evening News reporter Dong Yuhan)

"The hero is sad at Meilin Pass" will become history! Good news came from the second phase of Metro Line 6

There is a popular saying in Shenzhen: "Heroes feel sad about Meilin Pass", but this sentence may become history in 2020. There is good news from the second phase of Line 6, and you can understand it by looking at the picture.

The second phase of Metro Line 6 has a total length of about 11.8 kilometers, including 7 stations and 7 sections, and 4 transfer stations. The line leads from the reserved viaduct project of Shenzhen North Station, passes through Longhua, Futian and Luohu districts, and finally ends at Science Museum Station. According to the plan, the second phase and the first phase of Shenzhen Metro Line 6 are scheduled to be completed and opened to traffic simultaneously in 2020.

The double-line tunnel in Hanyin section (Hanling Station-Yinhu Station) of the second phase project of Metro Line 6 runs smoothly. It became the first double-line running-through section of the whole line, laying a solid foundation for the smooth completion of subsequent construction nodes.

The left and right lines of Hanyin tunnel, which runs through the double lines, are 3666 meters long. It is a horseshoe-shaped cross-section tunnel, which is constructed by mining method, and is the longest underground tunnel section in the whole line.

The project broke ground in July 2016 and was completed on October 12, 2018.

The next step will be to speed up the construction of the second lining, so as to strengthen the support, optimize the waterproof and drainage system of the route, beautify the appearance and facilitate the installation of facilities such as communication, lighting and monitoring. It is planned to complete the construction of the main structure project in January 2019, providing conditions for the subsequent track laying and station decoration. Finally, I will inform you.

Overall progress of the second phase of Line 6

79% of the main station, 55% of the shield tunnel, 54% of the TBM tunnel, 91.5% of the underground tunnel and 53% of the main structure of the Minle parking lot were completed. (Shenzhen Communications Commission)

One day left!

The most beautiful sea route in Shenzhen will meet you again.

On October 15th, Yantian Golden Coast Wharf issued an announcement that Yantian Golden Coast Wharf was seriously damaged by typhoon Mangosteen, and the traffic route from Yantian to South Australia and the sightseeing route of "Looking at Yantian at Sea" were forced to be interrupted. The Golden Coast Wharf in Yantian has been restored, and the sightseeing route of "Looking at Yantian at Sea" and the traffic route from Yantian to South Australia will be fully resumed on October 17th.

Time and price list of public transport flights from Yantian Golden Coast Wharf to South Australia Shuangyong Wharf

I. Flight time:

Second, the airline fare:

Third, special instructions:

1. Children who are more than 1.2 meters in height but not more than 1.5 meters should buy half a ticket. Those who are more than 1.5 meters should buy a full ticket. Each adult passenger can carry a child who is not more than 1.2 meters in height free of charge. If there is more than one person, half a ticket should be purchased according to the number of people who exceed it.

2, the elderly over 60 years old (including 60 years old), with valid documents can buy half a ticket.

Hotline: 0755-25206738, 0755-25209738. 　

Ticket sales method: online e-commerce platform window on-site ticket sales.

Four direct flights will be opened at the end of this month.

Among them, the flight to Linzhi is the only direct flight from Shenzhen to Tibet.

On October 15, China Southern Airlines held a new flight season plan release and a new route promotion meeting in Shenzhen to release the 2018 winter and spring flight season plan that started on October 28. The reporter learned from the meeting that China Southern Airlines will open four new domestic and international routes from Shenzhen to Dubai, Yangon, Yan ‘an and Linzhi from October 28th. So far, the number of domestic navigation points originating from Shenzhen of China Southern Airlines has increased to 60, and there are 17 international (regional) navigation points.

In the new season, China Southern Airlines transformed the Shenzhen-Wuhan-Dubai flight into a direct flight from Shenzhen to Dubai. From October 28th, every Wednesday and Sunday, the Airbus A330 of China Southern Airlines will take Shenzhen citizens to Dubai.

Shenzhen-Yangon route is another important international route newly opened by China Southern Airlines in Shenzhen. There is a Shenzhen-Yangon flight every Monday, March and March in the new aviation season. In this winter and spring season, China Southern Airlines will open new destinations such as Yan ‘an, Linzhi, Yantai and Daqing. The Shenzhen-Yan ‘an route, which is implemented every Monday, is one of the key domestic routes opened by China Southern Airlines in the new season. The Shenzhen-Linzhi route, which opened in the new shipping season, is the only direct route from Shenzhen to Tibet Plateau. (Shenzhen Business Daily reporter Chen Faqing)

Content sources: Shenzhen News Network, Shenzhen Business Daily, Shenzhen Evening News and Shenzhen Communications Commission.

Editor: Wu Junxia

Review: Shi Xiangdong

Please indicate the source for reprinting.

　　When the society is still debating whether minors should ban smart phones, it is undeniable that mobile phones have become an important tool in children’s lives, which not only provides the benefit of convenient contact, but also has the harm of being addicted to games. Some minors register dating software and step into the dating territory that belongs to adults; Some children even blindly expand their circle of friends by pushing friends through WeChat, which opens a dangerous door. In the interview, the reporter found that in reality, there have been many cases in which minors have been sexually assaulted by others through making friends through mobile APP and WeChat.

　　case

　　High school girls’ mobile phone friends were molested.

　　A few months ago, Xiaoya, a high school girl, met Xiao Tao, a boy two years older than herself, through a mobile dating APP. Looking at the other person’s head, Xiaoya inevitably had a good impression on him. Across the screen, the two people’s behavior and words and deeds are also less scruples, and even some ambiguous words and deeds. After a few days of chatting on dating software, the two met in a big shopping mall.

　　However, meeting is not as famous as meeting. Xiao Tao’s appearance is far from the avatar on dating software, and even a little rustic. Xiaoya was unhappy and ignored Xiao Tao’s love, playing games in the video game area by herself.

　　In fact, 17-year-old Xiao Tao secretly went to work in the city from other places without telling his parents, and just found a job. Making friends by mobile phone has become an important way for him to integrate into the life of big cities. Xiao Tao is full of expectations for this meeting and is looking forward to a beautiful relationship. Looking at Xiaoya’s back playing games, he couldn’t help hugging Xiaoya from behind. I didn’t think about it, but I was strongly resisted and sternly reprimanded by Xiaoya.

　　Xiao Tao was poured a pot of cold water by Xiaoya’s indifferent attitude, and then she thought that she had spent 100 yuan to buy coins for Xiaoya to play games, which made her feel even more lost. So he childishly hid each other’s bags, called Xiaoya to the underground garage, and angrily told Xiaoya to ask 100 yuan for money to recover economic losses.

　　When he got the money back, Xiao Tao was still angry. On the spur of the moment, he pushed Xiaoya to the wall and reached out and touched the privacy of the other party. When he was just arrested by the police, Xiao Tao didn’t feel that this move could be a big deal, and he didn’t realize that it was a crime. In the end, Xiao Tao was sentenced by the court for compulsory indecency.

　　Although one is the victim and the other is the defendant, when handling this case, Feng Miaomiao, deputy director of the First Procuratorate of Xicheng Procuratorate, felt sorry for both children. If it weren’t for the mobile dating software, the lives of two minors would have been completely different. Now, one is forced to molest, leaving a psychological shadow, and one is imprisoned when he first enters the society. In a sense, he is a victim.

　　"How can two minors register for dating apps?" While handling the case, Feng Miaomiao paid more attention to this mobile dating software. There are also many criticisms of this software on the Internet, one of which is the low age limit threshold, which has a bad influence on minors.

　　Just one month after Xiaoya’s case happened, the National Network Information Office launched a special rectification campaign against the chaos of the network audio platform, and this software is also under the rectification. It was not until last month that the software was restored to the shelves and the registration threshold was raised to 18 years old.

　　survey

　　False age registration lacks supervision

　　The reporter downloaded the dating APP full of fashionable gimmicks involved in the case, and the user agreement has been highlighted: "If you are under 18 years old, please read and fully understand this agreement with the legal guardian, and use the software and related services with the consent of the legal guardian."

　　The reporter registered with the mobile phone number. In the process of improving the information, the page prompts: "Filling in the correct information will help match, and we will protect your private information." The reporter found that if you are under 18 years old, the system will prompt that the setting failed and you can’t continue. As long as you choose to reach the age of 18, you can pass. You don’t need to upload your ID card, and there is no additional verification procedure, so you can register successfully, and then you can choose someone who matches you to chat.

　　The reporter also registered another dating software that has been installed more than 100 million times. Although there is no special clause about minors in the user agreement, there is also an age threshold in the registration process. You can’t choose a date of birth under the age of 18 to register, but you can choose a date of birth that reaches the age of 18, and you can register successfully. There is also no substantive audit procedure.

　　Prosecutor Feng Miaomiao said that setting a threshold based on age is helpful to prevent minors from stepping into the social circle of adults, receiving some bad information or suffering illegal harm, which is beneficial to the protection of minors. However, this threshold that can be broken only by users’ arbitrary settings is ineffective. For minors who are curious or have practical needs, it is as easy as blowing off dust to falsely report their age. And it is hard for them to really realize that what will be waiting for them when they enter the online world of adults with a pass that does not meet their real age?

　　The reporter learned that in the previous cases of sexual assault on minors, it was also revealed that the dating software company did not verify the identity information of the registered personnel, which led to the problem that minors could register and log in by falsely reporting their age, and there were huge loopholes in management. Some procuratorates also specially issued procuratorial suggestions to relevant authorities to urge them to strengthen supervision and management of online dating platforms.

　　The painful cases and the procuratorial suggestions of the procuratorate all show that the problem that the dating software does not verify the identity and the minors may be illegally infringed needs to be solved urgently.

　　Prosecutors in Feng Miaomiao said that the technologies of uploading ID cards and even face recognition are very mature, which can completely verify identity and shield false information. However, for these software companies, strict identity audit will inevitably cause some users to resist, which will affect the registration and usage of users, and enterprises certainly have no incentive to do substantive audit.

　　find

　　Wechat QR code is more dangerous to push friends.

　　In the interview, the reporter learned that in addition to using mobile APP to make friends, there is also a way of making friends among middle school students — — Friends circle pushes each other, that is, authorizing others to send their photos and WeChat QR codes to friends circle and WeChat group for divergent communication. In this way, children quickly develop "friends" and meet more strangers. Others push each other and even spend some money to let others help them push.

　　For most adults, WeChat friends are usually family, friends and people who have work contacts and life contacts, and the circle of friends has certain privacy. Except Wechat business and promoters, most people don’t spread their QR codes and open their circle of friends at will.

　　Minors are keen on this more open and almost undefended way of making friends than adults, and they also put themselves in a very dangerous situation.

　　In a real case, Tingting, a 14-year-old middle school student, met a girl of the same age in another school in an extra-curricular cram school. When Tingting learned that the other classmate could help push the circle of friends, she also wanted to try this way of making friends out of curiosity.

　　After being pushed the QR code and photos to the circle of friends in a nine-square grid, there were indeed many more people who took the initiative to chat with Tingting through WeChat. Tingting had a good talk with one of the boys. Although Tingting is strictly controlled by her parents and students are not allowed to use mobile phones at school, Tingting still takes the opportunity to chat with each other. After the first meeting between the two sides, Tingting reported that she was raped by the other side. After investigation, the man often looks for "prey" by adding WeChat friends.

　　According to the reporter’s understanding, there are far more cases in which minors are invaded by strangers because of WeChat’s mutual promotion of friends.

　　Even if the age threshold of dating software is in name only, there is still a threshold after all, and WeChat Twitter can be said to be irresponsible. In the police investigation, the middle school student who objectively bridged Tingting’s acquaintance with a strange man said that he was not familiar with both of them, but only vaguely had an impression of helping Tingting push her friends. As for their true identity and surname, who knows nothing. After helping to push friends, she deleted both of them’ WeChat.

　　This middle school student often helps her peers push friends in their circle of friends. Some people even send her a few dollars red envelope to help her push friends. When the number of friends added by the other party meets the demand, she deletes the information of pushing friends. In this way, she can earn some pocket money.

　　"This way of making friends seems incredible to adults, but it is very common among students ‘ Market ’ 。” Shi Liang, assistant prosecutor, told reporters that some students are proud of having a large number of WeChat friends and even compare with each other, eager to open their doors to the adult world in this way to show their social skills and personal charm.

　　Unfortunately, children think this is just a way to meet more friends, but in the eyes of the "hunters" who are waiting for an opportunity, this "open" way of making friends is itself an ambiguous signal.

　　suggestion

　　The dating platform should verify the identity essence.

　　Shi Liang said that many minors’ psychological cognition and physical development are unbalanced. They feel that they have almost the same physique as adults and have gained the ability to enter the adult world. But in fact, their awareness of society, self-prevention awareness and self-protection ability are far from perfect, and they are easily tempted or hurt.

　　"The Internet has become indispensable in modern society. We can’t hinder social progress because the Internet may harm minors, but we can keep up with relevant supporting measures. In the final analysis, it is still that our adult society did not do its own work, did not establish enough protection mechanisms, and did not do effective education and communication, so that children were exposed to danger. " Shi Liang said.

　　Prosecutor Feng Miaomiao suggested that the dating platform should be required to carry out substantive identity verification, such as uploading ID cards and face recognition, through administrative mandatory provisions, at least the self-discipline rules of trade associations, and at the same time pay attention to protecting the privacy of minors. This not only protects minors, but also helps to reduce the possibility of other online dating crimes. As an Internet and software enterprise, it should also shoulder social responsibilities, and not turn a blind eye to the possible signs of illegal crimes in order to pursue the number of users and economic benefits. Industry supervision departments should strictly manage, intensify inspection and punishment, and purify the network environment. (Reporter Sun Ying Illustration Feng Chenqing)

　　(The minors involved in the article are all pseudonyms)