作者： admin

Construction of performance evaluation index system of special poverty alleviation funds of central finance

[Abstract] The Thirteenth Five-Year Plan period is the decisive stage to win the battle against poverty. In order to implement the new development concept in poverty alleviation work and give play to the important role of the special funds of the central government in poverty alleviation, it is necessary to design a scientific and complete fund performance evaluation index system. Taking the new development concept as the basic starting point and basis, this paper selects various indicators to evaluate the performance of the management and use of the special poverty alleviation funds of the central government, and uses the analytic hierarchy process to empower the indicators, thus systematically constructing the performance evaluation index system of the special poverty alleviation funds of the central government.

[Keywords:] new development concept; Special poverty alleviation funds of the central government; Performance evaluation index system; analytic hierarchy process

In recent years, the central government has continuously increased its investment in special funds for poverty alleviation. In 2017, the central government allocated 86.095 billion yuan of special poverty alleviation funds, an increase of 43% over the previous year. [1] In the context of the continuous tackling of difficulties in poverty alleviation work and the continuous increase in the investment of special poverty alleviation funds from the central government, in order to better play the important role of special poverty alleviation funds from the central government in poverty alleviation, the efficiency of special poverty alleviation funds from the central government should be further improved. Therefore, it is necessary to establish a scientific and complete performance evaluation index system of special poverty alleviation funds of the central government, and give full play to the functions of "indicator" and "baton" in performance evaluation. At the same time, the new development concept of "innovation, coordination, green, openness and sharing" put forward by the Fifth Plenary Session of the 18th CPC Central Committee is a concentrated summary by the Supreme Leader General Secretary on how to realize the all-round scientific development of China’s social and economic undertakings, and also provides a powerful ideological guidance for the performance evaluation of the special poverty alleviation funds of the central government and the construction of the evaluation index system.

First, the new development concept and the performance of the central government’s special poverty alleviation funds.

In-depth analysis of the connotation of the new development concept, it is not difficult to find that each concept is highly compatible with the scientific management and rational use of the special poverty alleviation funds of the central government, thus providing an important support and breakthrough point for the construction of the performance evaluation index system of the special poverty alleviation funds of the central government.

(A) innovation and development is a booster to improve the performance of the special poverty alleviation funds of the central government.

The connotation of innovation and development is to solve the problems existing in development in ways different from the past and promote the continuous progress of economy and society. General Secretary of the Supreme Leader pointed out that poverty alleviation needs to give full play to the pioneering spirit of cadres and the masses, and needs to innovate the thinking and methods of poverty alleviation. As a special transfer payment for the government to help the poor, the special poverty alleviation fund of the central government is no exception. To speed up the fight against poverty, it is necessary to actively explore new ideas and methods for the management of special poverty alleviation funds of the central government under the guidance of innovative development concepts, so as to improve fund performance.

(B) Coordinated development is an important condition for improving the performance of the special poverty alleviation funds of the central government.

Coordinated development is to correctly handle all kinds of relations in development and make them cooperate with each other to jointly promote economic and social development. General Secretary of the Supreme Leader pointed out that poverty alleviation needs to strengthen the leadership responsibility of poverty alleviation, implement the coordination mechanism of poverty alleviation and strengthen the integration of poverty alleviation funds. The management and use of the special poverty alleviation funds of the central government involves many management departments, various types of funds and various investment. At the same time, the special poverty alleviation funds of the central government should also cooperate with other poverty alleviation policies to improve the performance of funds.

(C) Green development is an inherent requirement to improve the performance of the special poverty alleviation funds of the central government.

Green development emphasizes that economic and social development needs to be based on the protection of ecological environment, highlighting the sustainability of development. General Secretary of the Supreme Leader’s three conclusions about "green mountains and green hills" and "Jinshan Yinshan": "Lucid waters and lush mountains are invaluable assets", "both Jinshan Yinshan and green mountains and green hills" and "prefer green mountains and green hills to Jinshan Yinshan". When it is applied to the management of the special poverty alleviation funds of the central government, it is necessary to ensure that the economic performance of the special poverty alleviation funds of the central government cannot be at the expense of the environment, and the thinking of green development should run through the whole process of the management and use of the special poverty alleviation funds of the central government.

(D) Open development is an effective means to improve the performance of the special poverty alleviation funds of the central government.

The essence of open development is to rely on its own strength, but also to promote economic and social progress through the help of external forces. General Secretary of the Supreme Leader pointed out that to promote the development of poverty alleviation work, it is necessary to mobilize the forces of the whole society to participate extensively, promote regional coordination, enterprise participation and social organization participation, and form a strong synergy for poverty alleviation and development. In the management of special poverty alleviation funds of the central government, the participation of diversified subjects can form a joint force of poverty alleviation work, the participation of poverty alleviation objects can enhance the pertinence of fund use, and the disclosure of fund information can reduce the violation of rules and regulations in the process of fund management and use.

(E) Shared development is the ultimate goal of improving the performance of the special poverty alleviation funds of the central government.

Shared development is the essential requirement of socialism, and its purpose is to enhance the people’s sense of gain and make them share the fruits of development. [2] General Secretary of the Supreme Leader pointed out that the shortcomings of building a well-off society in an all-round way are in rural areas, especially in poverty-stricken areas. We must do a good job in poverty alleviation and not let the poor people fall behind. The ultimate goal of improving the performance of the special poverty alleviation funds of the central government is to change the poverty of the poor and realize the goal of all people entering a well-off society in an all-round way.

Based on the internal agreement between the new development concept and the performance of the special poverty alleviation funds of the central government, it is of great theoretical and practical significance to study and construct a set of performance evaluation index system of the special poverty alleviation funds of the central government, which will promote the implementation of the new development concept in the management and use of the special poverty alleviation funds of the central government and provide support for scientific evaluation of the effectiveness of the special poverty alleviation funds of the central government.

Second, based on the new development concept, the performance index selection of the central financial special poverty alleviation fund

The Measures for the Administration of Special Poverty Alleviation Funds of the Central Government (Cai Nong [2017] No.8) stipulates that the use scope of special poverty alleviation funds of the central government is: developing characteristic industries in poverty-stricken areas, improving the conditions of small public welfare production and living facilities in poverty-stricken areas, and enhancing the self-development ability and risk resistance ability of poor people. Generally, the expenditure on social undertakings related to agriculture will continue to follow the original funding channels and will not be paid from the special poverty alleviation funds of the central government. When evaluating the performance of the special poverty alleviation funds of the central government, we should choose the indicators that are directly related to the use of the special poverty alleviation funds of the central government, but not the indicators that are only indirectly related to the use of the special poverty alleviation funds of the central government, so as to avoid over-amplifying the performance of the funds. At the same time, the principle of combining quantitative indicators with qualitative indicators is used in the process of index selection, so as to reflect the performance of the special poverty alleviation funds of the central government more comprehensively.

(A) Index selection based on innovation and development

1. Allocation of funds. At present, there is an "egalitarianism" tendency in the distribution of special poverty alleviation funds by the central government in some areas, which makes the supply of funds out of line with the demand for funds. It is necessary to promote the innovation of the distribution mode of special poverty alleviation funds by the central government, so as to promote the rational distribution of funds. First of all, the allocation of special poverty alleviation funds by the central government should be strictly in accordance with the poverty situation, the number of poor people, poverty alleviation tasks and other factors. Secondly, in the process of allocating special poverty alleviation funds by the central government, we should pay attention to performance rewards and increase the financial fund incentives for areas with high evaluation of poverty alleviation effects. Finally, in the allocation of special poverty alleviation funds of the central government, it is necessary to comprehensively consider whether to adopt cash subsidies or in-kind subsidies and their mixture, so as to give full play to the advantages of different subsidies. To this end, the author intends to set the following three indicators: the degree of implementation of factor method, the importance of performance reward, and the diversity of subsidy methods.

2. Construction of information platform. Strengthening the information construction of the special poverty alleviation funds of the central government and promoting the electronic and networked level of fund management will help the fund management department to obtain the fund information quickly and facilitate the people to handle the relevant poverty alleviation business. First of all, strengthen the information integration between poverty alleviation and finance, social security, banking, civil affairs and medical care, so that the information management system of special poverty alleviation funds of the central government can fully reflect the comprehensive economic conditions of the poor and promote the accurate identification of the poor. Secondly, we will promote the development of e-government in the management of special poverty alleviation funds of the central government, effectively simplify the procedures and improve the efficiency of poverty alleviation management departments. To this end, the author intends to set the following three indicators: the level of information integration and the level of e-government.

3. Form and intensity of support. Industrial poverty alleviation, e-commerce poverty alleviation, cooperation between government and social capital (PPP), government purchasing poverty alleviation services, and asset income poverty alleviation are new poverty alleviation methods that are mainly recommended by poverty alleviation departments. First of all, the development of rural tourism, characteristic planting, characteristic aquaculture, characteristic handicrafts and other characteristic industries is an important performance of grassroots cadres and the masses to play their initiative, which is conducive to using the advantages of local resources to promote poverty alleviation. [3] Secondly, e-commerce poverty alleviation can broaden the sales channels of products in poverty-stricken areas and accelerate the trade circulation in poverty-stricken areas. Thirdly, the cooperation between the government and social capital is conducive to the government to guide social capital to participate in poverty alleviation and expand the funding channels for poverty alleviation. In addition, the government purchases poverty alleviation services to make up for the lack of organizational resources for poverty alleviation and enrich the human resources for poverty alleviation. Finally, asset income poverty alleviation quantifies the assets converted from financial agriculture-related funds to poor people and increases the income of poor households with labor shortage. To this end, the author intends to set the following three levels of indicators: support for industrial poverty alleviation, support for e-commerce poverty alleviation, support for cooperation between government and social capital, and support for asset income poverty alleviation.

(B) Index selection based on coordinated development

1. Overall use of funds. Strengthening the overall planning of the central government’s special poverty alleviation funds is conducive to solving the situation of multi-sector management, fund dispersion and fund precipitation of the central government’s special poverty alleviation funds, thus forming a joint force in the use of funds. First of all, the management departments of the central government’s special poverty alleviation funds involve finance, poverty alleviation offices, agriculture, forestry, ethnic affairs commissions, disabled persons’ federations, etc., and it is necessary to strengthen the coordinated management of the central government’s special poverty alleviation funds among various departments. Secondly, integrating the special poverty alleviation funds of the central government with other agriculture-related funds is conducive to the overall use of agriculture-related funds. Thirdly, accelerating the clearing of the stock of special funds of the central government is conducive to revitalizing the stock funds, thus coordinating the management of flow funds and stock funds. To this end, the author intends to set the following three indicators: the degree of perfection of the management consultation mechanism, the degree of integration with agriculture-related funds, and the progress of clearing existing funds.

2. The key investment of funds. Focusing the special poverty alleviation funds of the central government on the main battlefield of poverty alleviation is conducive to concentrating funds to solve poverty problems and improving the marginal use efficiency of funds. First of all, the key poverty-stricken counties for poverty alleviation are the main deep poverty-stricken areas in China. These areas have weak financial resources and arduous tasks of getting rid of poverty, which need the key support of the central government. Secondly, most of the poor people live in rural areas. In order to get rid of poverty as scheduled, it is necessary to increase support for rural poverty alleviation. Thirdly, in order to reduce the misappropriation and application of the special poverty alleviation funds of the central government, it is necessary to increase the proportion of funds directly to households. To this end, the author intends to set the following three indicators: the degree of inclination to key poverty-stricken counties, the degree of inclination to poor villages, and the degree of inclination to poor households.

3. Coordination with other policies. There are various tools for the government to carry out poverty alleviation policies. Apart from the special poverty alleviation funds of the central government, there are mainly poverty alleviation policies in finance and taxation (excluding the special poverty alleviation funds of the central government), finance, education, medical and health care, industry and ecological compensation. The use of special poverty alleviation funds from the central government should cooperate with other government poverty alleviation policies to give play to the combined effect of policies. To this end, the author intends to set the following three indicators: the degree of cooperation with other fiscal and taxation poverty alleviation policies, the degree of cooperation with social security poverty alleviation policies, the degree of cooperation with financial poverty alleviation policies, the degree of cooperation with education poverty alleviation policies, the degree of cooperation with medical poverty alleviation policies, the degree of cooperation with industrial poverty alleviation policies, and the degree of cooperation with ecological poverty alleviation policies.

(C) Index selection based on green development

1. Green production process. The green production process is the prerequisite to ensure the green output of the special poverty alleviation funds of the central government. First of all, promoting intensive production in the process of capital use is conducive to saving energy and reducing energy consumption. Secondly, reducing pollution emissions in the process of using funds can reduce the negative effects of poverty alleviation on the environment. To this end, the author intends to set the following three indicators: the level of economic intensification and the level of pollution reduction.

2. Green supervision mechanism. Strengthening the construction of green supervision mechanism in the process of fund use is an important guarantee to promote the green results of the use of special poverty alleviation funds by the central government. First of all, improving the environmental pollution discovery mechanism is conducive to early warning of environmental pollution problems and preventing the expansion of environmental pollution. Secondly, perfecting the reward mechanism of environmental pollution control is conducive to encouraging environmental pollution control behavior. Finally, strengthening the punishment mechanism of environmental pollution is conducive to strengthening the shock of pollution behavior. To this end, the author intends to set the following three indicators: the perfection of environmental pollution discovery mechanism, the perfection of environmental governance reward mechanism and the perfection of environmental pollution punishment mechanism.

3. Green output results. The green result of capital use is the ultimate goal of green and green supervision mechanism construction in the process of capital use, and it is also the ultimate embodiment of green development in poverty alleviation work. First of all, the special poverty alleviation funds of the central government are used for various economic projects, such as various industrial projects and agricultural projects, and it is necessary to improve the green degree of these projects. Secondly, the special poverty alleviation funds of the central government are also used for ecological environment management projects, which will be conducive to the improvement of the ecological environment. To this end, the author sets the following three indicators: the degree of contribution to green GDP and the degree of contribution to the improvement of ecological environment governance.

(4) Indicators reflecting the open development.

1. Multi-participation of poverty alleviation subjects. Diversified participation of poverty alleviation subjects is to form diversified poverty alleviation subjects on the basis of adhering to the leading role of the government in poverty alleviation work, so that they can jointly promote the cause of poverty alleviation. First of all, actively guide enterprises to participate in poverty alleviation work, give play to their advantages in capital, brand and technology, and rely on market-oriented mechanisms to enhance the economic vitality of poverty-stricken areas. Secondly, actively guide social organizations to participate in poverty alleviation work, give play to the public welfare characteristics of social organizations, and provide certain poverty alleviation funds and rich volunteer services for poverty-stricken areas. [4] Thirdly, counterpart support embodies the characteristics of getting rich first and helping the rich later. Developed areas can provide poverty alleviation experience for poor areas, and can also provide financial and talent support for poor areas. To this end, the author intends to set the following three indicators: the intensity of promoting enterprises to participate in poverty alleviation, the intensity of promoting social organizations to participate in poverty alleviation, and the intensity of promoting counterpart support.

2. Participation of poor people. The poor people actively participate in the management process of the special poverty alleviation funds of the central government, which is convenient for the poor people to express their poverty alleviation needs and stimulate their endogenous motivation. First of all, the poor people’s knowledge of the special poverty alleviation projects of the central government is the prerequisite for their participation in the decision-making of poverty alleviation funds projects. Secondly, the poor people’s decision-making participation in the special poverty alleviation fund projects of the central government is an important channel for the poor people to directly express their poverty alleviation needs. Thirdly, the supervision of the poor people on the special poverty alleviation projects of the central government is an important condition to ensure the scientific and compliance of the use of funds. To this end, the author intends to set the following three indicators: the degree of knowledge of funds, the degree of participation in capital decision-making, and the degree of supervision of funds.

3. Disclosure of fund information. Promoting the publicity of the special poverty alleviation funds of the central government is conducive to strengthening the supervision over the management and use of funds and standardizing the use of funds. First of all, the disclosure of the special poverty alleviation funds of the central government should be comprehensive, and the supervision of all the special poverty alleviation funds of the central government should be realized. Secondly, the disclosure of the special poverty alleviation funds of the central government should be detailed and reflect the use of funds in detail. Thirdly, the disclosure of the special poverty alleviation funds of the central government should be timely, so that all sectors of society can know the progress of the use of the special poverty alleviation funds of the central government in a timely manner. Finally, the disclosure of the special poverty alleviation funds of the central government should be convenient, so that all sectors of society can easily obtain the management information on the use of the special poverty alleviation funds of the central government. To this end, the author sets the following three indicators: the degree of openness, the degree of openness, the timeliness of openness, and the convenience of openness.

(V) Indicators reflecting shared development

1. Capital investment increased. It is important for the poor people to share the fruits of reform and development by increasing the input of special poverty alleviation funds from the central government and implementing the use of funds in specific projects. First of all, the amount of special poverty alleviation funds invested by the central government reflects the importance attached by the central government to poverty alleviation. Secondly, the amount of special poverty alleviation funds invested by local finance reflects the importance that local governments attach to poverty alleviation. Thirdly, the central government’s special poverty alleviation funds need to be implemented in specific projects, speed up the use of funds, and reduce the time when funds stay on the books. To this end, the author intends to set the following three indicators: the increase of central funds, the increase of local funds, and the progress of fund use.

2. The effect of getting rid of poverty and increasing income. The decrease in the number of poor people and the increase in the income of poor people directly reflect the effect of the government’s poverty alleviation policy, and are also an important embodiment of the poor people sharing the fruits of development. First of all, the reduction of poverty-stricken population represents the improvement of economic and social conditions in poverty-stricken areas, and the broad masses can share the dividends of national development. Secondly, the increase of the income of the poor population is an important basis for improving their living and development conditions. To this end, the author intends to set the following three indicators: the reduction ratio of the poor population and the increase of the per capita net income of the poor population.

3. The anti-poverty ability of the poor population has improved. Cultivating the poverty-stricken people’s anti-poverty ability and promoting the lasting effect of poverty alleviation are important guarantees for the poor people to make long-term contributions to development achievements. First of all, improving the working skills of the poor people is conducive to promoting their employment and is an important way to cultivate their anti-poverty ability. Secondly, promoting the popularization and application of Internet in poverty-stricken areas in the information age is an important channel for the poor to obtain employment and education opportunities at low cost, and is also conducive to enriching the spiritual life of the poor. To this end, the author intends to set the following three indicators: the vocational and technical training level of the poor population and the Internet application level of the poor population.

Third, the performance evaluation index empowerment process and results

A hierarchical index structure including 5 first-level indicators, 15 second-level indicators and 46 third-level indicators has been established. In order to build a complete evaluation system of performance indicators, this paper uses Analytic Hierarchy Process (AHP) to give weight to each performance indicator.

(A) expert credibility evaluation

Because experts have different understanding of the index construction of special poverty alleviation funds of the central government, it is necessary to give different experts different credibility to avoid scoring different experts directly by arithmetic average. This paper measures the credibility of experts from four dimensions: academic level, professional relevance, relevant experience and self-confidence in evaluation, as shown in Table 1.

(2) Building the judgment matrix of each index layer

Each expert uses SAAT Y1-9 scale method to compare the importance of each element in each index layer layer by layer. For example, the T-th expert compares the importance of the first-level indicators of the performance of the central government’s special poverty alleviation funds: innovative development (A1), coordinated development (A2), green development (A3), open development (A4) and shared development (A5), thus obtaining the judgment matrix of the first-level indicators, in which the indicators evaluated by experts (i=1,2,3,4,5). Similarly, the second-level indicators under each first-level indicator level and the third-level indicators under the second-level indicator level are compared in pairwise importance, so as to determine the judgment matrix of each indicator level.

(C) The weight of each index is obtained by combining the expert credibility evaluation.

First of all, each expert determines the eigenvector of the judgment matrix of the index layer through the sum-product method, calculates the relative weight of the lower-level indicators to the upper-level indicators, and carries out hierarchical weighting and regression to obtain the relative weight of the indicators of each index layer to the target layer. In this process, the consistency test coefficient CI is required to be less than CI<0.01, otherwise the judgment matrix needs to be readjusted. On this basis, the credibility score of each expert is normalized to determine the credibility weight of each expert. Finally, the weights of indicators determined by different experts and their credibility weights are weighted and summed, and then the weights of specific indicators relative to the performance of special poverty alleviation funds of the central government are determined. [6]

In the practical application of this indicator system, the numerical values of quantitative indicators in the three-level indicators can be calculated through the statistical data of relevant departments. The quantitative value of qualitative indicators in the third-level indicators can be obtained by converting their scores into numerical values on the basis of expert scoring method. The final calculation of the performance of the central financial special poverty alleviation fund can be obtained by using the weighted sum of the values of the three-level indicators and the weights of the three-level indicators relative to the performance of the central financial special poverty alleviation fund.

IV. Follow-up Work and Prospect

Based on the new development concept, this paper tentatively constructs the performance index system of the special poverty alleviation fund of the central government. The main work focuses on the selection of relevant indicators and the use of analytic hierarchy process to empower them. More in-depth research needs to be further improved and promoted in the future:

1. The definition of some three-level indicators needs to be further clarified and refined in order to obtain realistic data with the same caliber and no mistakes.

2. The fundamental purpose of the construction of performance evaluation index system is application, so the focus of the next research work should be to actively collect relevant data for empirical research, get evaluation results, analyze evaluation results, and use evaluation results, and further improve the index system in this process.

references

[1] The central government allocated 86.095 billion yuan of financial special poverty alleviation funds in 2017 [EB/OL]. Portal of the Agriculture Department of the Ministry of Finance, http://nys.mof.gov.cn/zhengfuxinxi/bgtgongzuodongtai _ 1 _ 1 _ 1 _ 3/201706/t2017.

[2] Mo Guanghui. Multi-dimensional accurate poverty alleviation path in ethnic minority areas from the perspective of five development concepts-the eleventh of a series of studies on the performance improvement mechanism of accurate poverty alleviation [J]. Journal of Southwest University for Nationalities (Humanities and Social Sciences Edition), 2017,38(2).

[3] Shen Shuisheng. Several problems and suggestions in poverty alleviation work [J]. Administrative reform, 2017(7).

[4] Wang Min, Zhu Junli. Promote the government to buy poverty alleviation services from social forces [J]. Economic Research Reference, 2015(64).

[5] Gao Bo, Wang Shanping. Research on the comprehensive performance evaluation system of financial poverty alleviation funds [J]. social sciences in yunnan, 2014(5).

[6] Cui Jun, Yang Qi. Research on the construction of emergency financial expenditure performance evaluation index system-based on the investigation of fuzzy analytic hierarchy process [J]. Finance and Trade Economy, 2013(3).

(Source: Administrative Reform, No.10, 2017)

Le Health ｜ What should you pay attention to in Bailu health care？ Synchronizing with nature is a beautiful way of life.

September 8, 2023 is a traditional solar term-Bailu.

In the Millennium season, the heat of summer has gradually drifted away, and the strong autumn gradually dominated. This special solar term not only marks the alternation of seasons, but also is closely related to human health, five internal organs and five seasons.

The name "White Dew" itself implies that dew begins to show white characteristics, which indicates that the time has come at the turn of summer and autumn. At this time, nature began to turn from hot summer to crisp autumn, and all living things began to prepare for the coming winter. For us, the Millennium is a key opportunity to recuperate. Ding Xiaoqing, chief physician of the Department of Hematology, Oriental Hospital, Beijing University of Chinese Medicine, and Zhu Jiaqing, a graduate student, suggested that the health care of the Millennium should start from the following aspects:

Clearing and moistening lung dryness

With the advent of the Millennium, the climate began to turn cold gradually. The dry autumn wind sometimes makes people feel a little uncomfortable in their lungs. The theory of five zang-organs is the core of TCM theory. The five internal organs, namely heart, liver, spleen, lung and kidney, each of which corresponds to a specific season, emotion, color and taste. Therefore, at this time, we need to pay special attention to the maintenance of the lungs.

The Millennium, as the beginning of autumn, is directly related to the lung and gold. In addition, due to the principle of golden water, we also need to take special care of the kidneys during the Millennium period. This deep connection with five zang-organs and five seasons reveals the subtle relationship between nature and human health.

In diet, we can choose to eat some foods that help moisten the lungs, such as pears and honey. In addition, in order to cope with the dryness in autumn, it is also a good choice to taste a cup of chrysanthemum tea or longan jujube tea, which can not only help us to harmonize our bodies, but also bring us a little warmth in autumn.

Regulating qi and blood

In the Millennium season, the maintenance of qi and blood is particularly important. Qi and blood, as the core concept in TCM theory, is the cornerstone of human health. It involves all aspects of the body, from the moisturizing of skin to the function of internal organs, which is closely related to the profit and loss of qi and blood.

In autumn, especially in the Millennium season, due to the cool and dry climate, the human body is prone to symptoms of insufficient blood, such as pale face, pale lips and cold hands and feet. To preserve qi and blood, we can start with diet first. Eating red dates, longan, medlar, angelica and other ingredients can help us replenish qi and nourish blood and enhance the body’s resistance; Glutinous rice, yam and peanuts help to strengthen the spleen and stomach and enhance digestive function. These ingredients are not only nutritious, but also help us cope with the dryness and cold in autumn.

Comfortable mood

In addition to diet recuperation, the health care in the Millennium season also involves the adjustment of mentality. People may feel a little melancholy because of the arrival of autumn. At this time, appreciating the golden autumn leaves and doing spiritual exercises such as meditation or yoga can help us maintain inner peace.

With the sudden drop of temperature, the symptoms of varicose veins may be aggravated. Therefore, it is very necessary to choose appropriate clothes, avoid standing or sitting for a long time, and exercise properly. Drinking more water, keeping indoor humidity and paying attention to the nutritional balance of diet can effectively prevent the occurrence of cardiovascular and cerebrovascular diseases.

Regular schedule

In the Millennium season, it is very important to go to bed early, get up early and get enough sleep. It is related to our energy and state all day. It is a beautiful way of life to conform to nature, synchronize with nature and feel the most natural health.

In addition, outdoor activities, such as outing and hiking, are good choices, which can not only exercise, but also enjoy the beautiful scenery in autumn.

The white dew qi starts to be cold, and people with hypertension are suitable for flat supplement.

In the Millennium season, the external heat gradually recedes, while the coolness gradually rises, so it is best to make up for it to avoid bias. At the same time, when the seasons alternate and the temperature changes, the blood pressure of the human body is also prone to fluctuations. At this time, adjusting the diet can play a role in food support.

This year, the Health and Health Commission issued the "Adult Hypertension Diet and Nutrition Guide (2023 Edition)", which contains two simple and easy-to-operate diets suitable for eating at the turn of summer and autumn. Wei Dong, the attending physician of Nutrition Department of Oriental Hospital of Beijing University of Chinese Medicine, combined with common clinical problems and based on personal experience, gave you some suggestions on eating.

Lily, Tremella and Sydney Soup

Raw materials: Lily, Tremella, Sydney and Lycium barbarum.

Production method: Lily, Tremella, Sydney and Lycium barbarum are put into the pot together, and appropriate amount of rock sugar is added, and the soup is made by low fire and eaten with meals.

Fang Jie: Lily enters the heart and lung meridian, which has the functions of moistening lung, relieving cough, clearing heart and calming nerves; Tremella enters the lung, stomach and kidney meridians, and has the function of nourishing yin and moistening lung; Sydney enters the lung and stomach meridian, which has the functions of promoting fluid production, moistening dryness, clearing away heat and resolving phlegm; Lycium barbarum enters the liver and kidney meridian, which has the functions of nourishing the liver and kidney and benefiting the mind. These four kinds of food materials with the same origin of medicine and food, together with rock sugar, can not only adjust the taste, but also tonify the middle energizer, invigorate the stomach and moisten the lung. Although it is a nourishing recipe for people with hypertension, its overall collocation is moist but not dry, and it is also suitable for most people to eat in the Millennium season.

Note: Lily, Sydney, etc. contain starch and fructose, plus crystal sugar, which belongs to refined sugar. It is not recommended for diabetics to eat this food directly. At the same time, people with high triglycerides and obesity need to adjust the proportion and dosage appropriately. Please use them under the guidance of nutritionists.

Lotus seed, lily and jujube soup

Raw materials: lotus seed, lily, jujube and glutinous rice.

Production method: Lotus seeds, lilies, jujubes and glutinous rice are boiled with water and appropriate amount of rock sugar, and can be eaten after porridge.

Solution: Although there are also lilies and rock candy, the lotus seeds that nourish the heart, kidney and spleen are used in this food-nourishing recipe with lilies, plus jujube that tonifies the spleen and stomach, and glutinous rice that tonifies the middle and spleen, which makes this food-nourishing recipe more inclined to nourish the spleen and stomach. Compared with the above recipe, this recipe is more suitable for people who have experienced bitter summer to recuperate their spleen and stomach.

If you suffer from spleen and stomach discomfort after overeating or eating cold drinks in summer, loss of appetite in autumn, fatigue, lack of diet, etc., you should pay attention to the maintenance of spleen and stomach while replenishing lung qi, so as to lay a good foundation for winter tonic.

Note: Lotus seeds, lilies, glutinous rice, jujube, etc. contain starch and fructose, plus crystal sugar, which belongs to refined sugar. This medicated diet is not suitable for diabetics to eat with meals and can replace some staple foods, but it is best to consult a nutritionist before eating.

focus

The new version of technical guidelines for influenza vaccination was released.

On September 5th, the Technical Guide for Influenza Vaccination in China (2023-2024) issued by China Center for Disease Control and Prevention pointed out that combined with the recommendation of the World Health Organization on simultaneous vaccination of influenza vaccine and COVID-19 vaccine, and combined with the research progress at home and abroad, it is suggested that people aged 18 and above should be vaccinated with inactivated influenza vaccine and COVID-19 vaccine on both limbs when receiving immunization services at one time; For people under the age of 18, it is suggested that the interval between influenza vaccination and COVID-19 vaccination is still more than 14 days.

focus

People tend to choose people who are similar to themselves when choosing a spouse.

Xinhua News Agency reported that a new study in the United States recently analyzed the data of millions of couples or heterosexual couples and found that people prefer to choose people who are similar to themselves rather than different. The research results reveal the intangible forces that may shape human relations, which is of enlightenment significance to the research in the field of genetics.

It is found that couples or partners show a particularly high correlation in political, religious attitudes, education level and some IQ indicators. The characteristics related to drug use also show a high correlation. Although the correlation between height and weight, medical condition and personality characteristics is obviously lower, it still maintains a positive correlation.

focus

The number of patients with "thunderstorm asthma" has increased sharply, and the source has been found.

Recently, there were sudden thunderstorms in Inner Mongolia Autonomous Region and other places, and the number of allergic asthma patients in many local hospitals increased sharply, mainly manifested as cough, wheezing and shortness of breath, and they were diagnosed as "thunderstorm asthma".

Not only Hohhot, but also some hospitals in Beijing have recently received many patients with "thunderstorm asthma".

The dramatic changes in the weather environment in a short period of time have led to the high concentration of grass pollen, which is considered to be the source of the sudden increase in asthma patients.

Wang Jichun, deputy director of the Pediatrics Department of the Affiliated Hospital of Inner Mongolia Medical University, said that the main allergen in autumn in northern China is grass pollen. Every year from mid-July to the end of September, it is the season with the highest concentration of grass pollen in Hohhot, and it is also the season with high incidence of allergic diseases such as allergic asthma.

"Thunderstorms occur in the case of high pollen concentration. Thunderstorms will turn pollen into smaller particles, which will easily enter people’s respiratory tract and cause allergic asthma." Wang Jichun said.

Many doctors suggest that when the pollen concentration is high, especially when thunderstorms occur, you can wash your nose and face with salt water or clear water if you come back from outside. If allergic rhinitis or asthma has been diagnosed, it is necessary to standardize medication and make regular follow-up visits.

Workers’ Daily Client Le Health No.384

Original title: "Le Health | What should you pay attention to in Bailu Health? Synchronizing with nature is a beautiful way of life.

Read the original text

How to realize ＂1+2 ＞ 3＂ from ＂primary communication＂ to ＂secondary communication＂

Absrtact: News production has moved from "primary communication" to "secondary communication" era. In order to do a good job of "secondary communication" news products, the traditional media itself needs to adjust, explore the path from "primary communication" to "secondary communication", update the writing style and reporting form, realize their complementarity, from addition to integration, and achieve the "1+2 > 3" communication intensity.

Keywords: "once spread"; "secondary transmission"; media convergence

More than 30 years ago, the American scholar Itcher Soller Poole first put forward the concept of "media convergence". Today, with the media change of China’s network from fixed network to mobile network, the traditional communication market is shrinking day by day. Then, traditional media have sought "new outlets", and media integration has really become a "frontier phenomenon" of news communication.

The media circles began to make various attempts at "integration". As a result, there are "integration" practices such as central kitchen and media platform. However, after several years of "touching the net", it seems that the traditional media have inevitably encountered obstacles to development on the road of "integrating media".

■ News is more "new" and needs a win-win situation-

Form an "effective secondary communication" of traditional media in cooperation

In 2015, The First Year of Convergence-Annual Report on Media Convergence Development in China compiled by People’s Daily was published. If we count from 2014, China’s media integration has gone through six years. In these six years, mainstream media such as Liberation Army Daily have made various efforts on the road of integration and gained valuable practical experience.

Up to now, all kinds of mobile phone apps developed by the PLA News Communication Center and WeChat official account have achieved "touching the net". However, we must face the reality that in the era of the rapid development of mobile phones from the media, traditional media news is often not direct enough, relatively slow, and the communication effect is not obvious.

In 2019, when President Xi participated in the collective study of all-media era and media integration development in the Political Bureau of the Central Committee, he emphasized that to promote media integration development, it is necessary to enlarge and strengthen mainstream public opinion. In today’s communication era dominated by mobile phones, it is necessary to ensure the effective communication of traditional media news in order to "make the mainstream public opinion bigger and stronger". In other words, traditional media must do a good job of "secondary communication".

On September 20, 2020, the People’s Liberation Army Daily published the article "15 kinds of new clothes, such as new warm training clothes", which was immediately reprinted and released from the "No.1 sentry post" and "Three Musketeers" in WeChat official account, and attached the "buyer show for border guards and soldiers", with both hits exceeding 100,000+.

At the same time, the People’s Army, the Western Army bugle, the Karakorum Guardian and other media in WeChat official account also "re-processed" relevant news within a few hours and quickly pushed it, which once again broadened the communication channel of this traditional news. Compared with traditional newspaper communication, the audience group of new media communication has changed, and the audience coverage is wider through the "secondary communication" on the mobile phone side.

In the mobile phone environment, people get news more according to their personal interests. Therefore, the "secondary communication App" that integrates and edits news according to individual needs is very popular. In 2019, the top 10 domestic news apps were: Today Headline, Tencent News, Netease News, Phoenix News, Sina News, Daily Express, UC Headline, Sohu News, ZAKER News, and a little information.

It is worth noting that in the top 10 apps, although there are some "first-hand news" productions, such as Phoenix News, the self-manuscript rate is relatively high, but most news articles or content productions are from "secondary news". That is to say, the product source of "secondary news" that people pay attention to comes from "primary news", which is the news production platform of traditional media.

The writing style, reporting form and "depth" degree of "primary news" directly affect the quality of "secondary news" products, thus affecting the whole communication chain.

How to make news more "new"?

Today, news products "primary communication" cannot replace "secondary communication", and news products organized by "secondary communication news" have become the mainstream of mass news consumption. How to make the "secondary communication" of traditional media improve the effect and force the traditional media to realize the transformation and development of content and form is a new topic.

■ Deep integration is not "grafting"-

"One-time news" producers should devote themselves to improving product quality.

In the self-media WeChat official account, which walks away from the road of "secondary communication", "No.1 sentry post" leads the communication trend.

In the late autumn of 2020, the People’s Liberation Army Daily published a series of logistics support news about "food, clothing, housing and transportation". Within a month, "No.1 sentry post" successively updated WeChat official account’s article: "New combat uniform, debut!" "Finally! Fifteen new types of border patrols have been installed and collected. ""The People’s Liberation Army is engaged in infrastructure construction at the grassroots level. This must be praised! " "Brother Bing, it is necessary to cool down!" "Finally! Type 20 is loaded and type 19 military products are distributed! " "Live for a long time! The troops distributed field washing machines. "

The same news content, they are good at "secondary processing": repackaging words, collecting videos and photos, integrating screenshots of netizens’ interaction, enhancing publicity resonance through interaction, sincere and grounded expression, which makes people feel the charm of "self-media net text". In addition, they also integrate news links into the page, and concentrate on packaging and pushing to increase the amount of news information.

This kind of "second dissemination news" has also been ridiculed by netizens as "manuscript washing". However, their "click data" of 100,000+proves the desirability of this media convergence operation mode-"secondary communication" can last for the publicity effect of "primary communication".

In the discussion of media convergence, people are generally willing to understand "convergence" as "production transfer" from traditional media to online media, or "content transplantation" from traditional media to online media.

The "production transfer" from traditional media to online media is indeed a style of media integration. However, the successful experience of "No.1 sentry post" reminds us that the better integration mode is not simply to "graft" traditional media to interactive media, build a newspaper electronic database, develop a mobile App, or upload electronic versions and pictures to the network platform to achieve the integration goal.

Because such media convergence is not an open convergence, it is a "closed loop" road of independent production and operation. Mobile phone news communication, "closed loop" form of news communication is difficult to effectively "penetrate". If you want to make traditional news and positive energy enter the mobile phone effectively, it is an effective attempt and choice to get out of "closed-loop communication". Of course, there is not only one way of media integration, but also other "ways".

Media convergence needs communication cooperation. On the issue of media cooperation, a news industry expert once said: "The future path of media integration must be cross-media cooperation between platforms and content producers, and they need to take their own needs, debug themselves, move towards each other and domesticate each other."

In this regard, the author also feels the same way. However, the author and the expert’s views are not completely consistent. What we call communication cooperation is formed on the basis of propaganda division of labor. Only by further division of labor can the quality and productivity of news products be improved together.

"Division of labor" refers to the task decomposition of news content production and "secondary communication" on the mobile phone side. Content producers-producers of "primary news" should strive to improve news quality and communication efficiency, for example, by means of in-depth reports, charts and news links, to improve the extensibility and readability of news products, so that they can better meet the needs of "secondary communication".

The "secondary communication" platform should make better use of the information provided by "primary communication" products, so that it can better achieve the goal of traditional news communication through "secondary communication". At the same time, through the cooperation with the mobile phone platform, it will bring more penetrating communication effects to mainstream news.

■ Sincere and broad fusion mind-

Facing the "secondary communication", do your homework well.

Regardless of "primary communication" or "secondary communication", the key to determining the communication efficiency is the audience.

For a long time, the audience groups faced by traditional media are relatively fixed. Therefore, traditional media and new media should do their homework in terms of voice, reporting angle and depth.

Editors and journalists also need to do their homework. Traditional media reporters face traditional audiences, and their language and reporting angles are relatively solid, but it is difficult to "earn traffic" on the mobile phone side. The voice of new media can meet the needs of most netizens, but it is difficult to fully present it in traditional media, especially in newspapers, so it is difficult to become a business orientation.

Under the development trend of "secondary news dissemination", traditional media should have a broad mind of integration if they want to complete their historical tasks.

What do we need to do?

The first is to improve the quality of "primary communication" content production, and properly invest energy to complete "secondary communication" to ensure the influence of traditional news communication on mobile phone news consumption.

Secondly, we should carefully study the characteristics of the "second spread" news, and make a proper "turn around" when producing the "first spread news": it should be more lively, easy to understand and more enjoyable, and the sentences should not be like official documents or recitations. However, it needs long-term business accumulation and sharpening, and it needs to learn and study the text characteristics of "secondary news dissemination" to form its own style and style.

At the same time, we should abandon traditional writing techniques and increase in-depth reporting in "one-time news dissemination". Editors should accept news stories, learn to write stories and tell stories, so as to make them deeper, livelier and better-looking, and make traditional media have more initiative in communication.

On November 15, 2020, the People’s Liberation Army Daily published a heavy news that the backbone of newly trained cadres had post allowances. In the afternoon, "No.1 sentry post" issued "official announcement! This post allowance has been paid! " A penny. This news commentary, with an unofficial style, made a "second editing" of the newspaper manuscript, explaining the implementation of the policy in a simple way. Within 2 hours of publication, the article reached 47,000 readings.

It can be seen that in the field of "secondary communication", the consciousness and ability of "secondary editing" are needed. On the mobile phone platform, traditional media should not only act as "porters" but also become "architects", and adaptively transform "one-time news dissemination" in the fields of content and interaction.

It needs to be clear here that "secondary editing" is an innovation of "one-time news dissemination". However, if the "secondary news" contains valuable news clues, traditional media should also interpret it quickly. This interpretation mode should focus on in-depth reporting, so as to "renovate" the "old news" again and promote the quality improvement of the "one-time news" product.

In recent years, some people criticize mobile phone news, calling it "increasing traffic and attracting attention", which leads to the prevalence of "fake news and headline party". This phenomenon does exist. We should seriously study the law of "secondary communication" and form our own style of "primary communication news" on the basis of learning, so as to more effectively narrow the distance between traditional news and mobile phone users.

(The author is the head of the combat readiness logistics group of the military news editing room of the People’s Liberation Army newspaper)

Ou Lin bio-executives’ transition has escalated! Former Deputy General Manager Hu Cheng： The company fabricated the assessment system.

On June 11th, Ou Lin Bio (688319.SH) issued an announcement, replying to the inquiry letter of Shanghai Stock Exchange about the personnel changes of the company’s senior management.
The Red Star Capital Bureau previously reported that the nine-member senior management team of Ou Lin Bio was reduced to four after adjustment.(Please poke for details:"Five of the nine senior executives of Ou Lin Bio have left their posts, and the affiliated enterprises of one remaining senior executive still have related transactions with the company".)
For the departure of the other five former executives, Ou Lin Bio said in the reply announcement, "After the adjustment of the senior management team, Fan Fan, Chen Aimin, Li Hongguang and Chen Daoyuan did not serve as deputy general managers of the company, but they still held middle and high-level positions in the company and were responsible for the corresponding business."
However, the Red Star Capital Bureau noticed that in addition to responding to the announcement, he still served as the four former deputy general managers of the company’s middle and high levels.Ou Lin Bio did not disclose another former deputy general manager, Hu Cheng’s post after adjustment. Previously, three directors who opposed the composition of the new senior management all opposed the adjustment of Hu Cheng out of the company’s management team.
According to the announcement in reply, Hu Cheng himself said that he performed his duties seriously during his financial supervision post and completed the listing task of the company.Hu Cheng said: "I think the company’s 360 assessment system is fabricated by the company, which is seriously distorted and inaccurate, and cannot accept an assessment system that is not goal-oriented and task-oriented."
As of the close of June 10th, Ou Lin Bio rose 0.22% to 18.51 yuan/share, with a total market value of 7.501 billion yuan.
Four former deputy general managers were appointed as directors or general assistants.
Hu ChengKicked out,Previously responsible for the IPO listing of the company.
On the evening of June 10th, Ou Lin Bio disclosed the detailed reasons why the original nine-member senior management team was reduced to four.
The announcement pointed out that the reasons for the adjustment are: after listing, it is necessary to focus more on the development of the main business, strive to expand market sales channels, and return investors with better performance; Based on the consideration of the company’s development strategy, in order to cope with the rapid changes in the market, an agile decision-making mechanism is established; At the same time, the last senior management team of the company has expired and needs to be re-elected.
Screenshot from Ou Lin Biological Announcement
According to the post comparison of senior management before and after the adjustment, it can be seen that four former deputy general managers, Fan Fan, Li Hongguang, Chen Daoyuan and Chen Aimin, are now the directors or assistant general managers of Ou Lin Bio. Another former deputy general manager, Hu Cheng, was kicked out of the management leadership.
Ou Lin Bio said that although directors Hu Cheng, Yu Yunhui and independent director He Shaoping voted against the proposal, they did not oppose the appointment of Ma Hengjun as the executive deputy general manager and Tan Yong as the chief financial officer in essence, but opposed the proposal because they thought that the composition of the company’s senior management or talent structure was unreasonable.
However, it is worth mentioning that Hu Cheng, Yu Yunhui and He Shaoping are all opposed to adjusting Hu Cheng out of the management team.Among them, Yu Yunhui believes that Hu has made great contributions to the company’s financing and listing, and is also the direct person in charge of the company’s initial financing and listing, and has played a supervisory role in the company’s financial and corporate governance standard operation; He Shaoping believes that Hu Cheng, as the former financial supervision post, is not conducive to the transparency and effective operation of the company’s internal control system.
At the same time, according to Hu Cheng’s self-report, he was responsible for financial supervision and financing in the company, and was directly responsible for the IPO listing of the company, during which he earnestly performed his duties and completed the listing. “I think that the Company’s 360 assessment system is fabricated by the company, which is seriously distorted and inaccurate. It is unacceptable to accept an assessment system that is not oriented to goals and tasks. I object to using this assessment result as a reason for not renewing employment and excluding senior executives who can meet the post requirements from the new management team. "
The company’s executive compensation in 2021 was the highest in Hu Cheng.
More than 3.1 million yuan before tax
Ou Lin Bio was listed in science and technology innovation board on June 8, 2021 with an issue price of 9.88 yuan/share.
The Red Star Capital Bureau noted that the highest point of its share price of 48.66 yuan/share appeared on the first day of listing, which was more than 390% higher than the issue price. However, since then, the share price of Ou Lin Bio has been falling all the way, and the latest closing price has dropped by 53.61% compared with the closing price of 39.90 yuan/share on the first day of listing.
Ou Lin Bio’s share price trend (weekly K line)
The Red Star Capital Bureau looked through Ou Lin Bio’s 2021 Annual Report and found that during the reporting period, Hu Cheng served as the deputy general manager of the company and concurrently served as the vice chairman.At the same time, Hu Cheng’s total pre-tax compensation from the company is also the highest among the executive compensation in 2021, which is 3,101,600 yuan.
In addition to Hu Cheng, the pre-tax salaries of other senior executives of Ou Lin Bio, such as Fan Shaowen, Fan Fan, Chen Aimin, Ma Hengjun, Li Hongguang, Chen Daoyuan, Tan Yong and Wu Wei, were 1,201,300 yuan, 1,126,100 yuan, 879,300 yuan, 1,217,400 yuan, 1,017,300 yuan, 777,800 yuan and 1,151,100 yuan respectively in 2021.
Hu Cheng’s resume shows that he worked in the Chongqing Sales Department of Haitong Securities from 2008 to 2009 as the general manager of the sales department; Since 2013, he has worked for Ou Lin Bio, and served as Chairman, Deputy General Manager and Vice Chairman of the Board of Supervisors.
In addition, the Red Star Capital Bureau also noted that,In the relevant meeting documents of the second meeting of the Sixth Board of Directors disclosed by Ou Lin Bio, Hu Chengjun voted against the eighth Proposal on Adjusting the Organizational Structure of the Company.
Red Star Journalist Deng Lingyao
Editor ren Zhijiang
(Download Red Star News, and get a prize! )
Reporting/feedback

Two details of the monitoring record of the pedestrian’s punishment for running a red light become the key to the accident identification.

　　CCTV News:Paying attention to a special traffic accident is special because in many traffic accidents involving pedestrians, non-pedestrians usually bear the primary or secondary responsibility. However, in a traffic accident in Zhongshan City, Guangdong Province, pedestrians became "perpetrators" and were sentenced to 10 months’ imprisonment and suspended for one year by the First People’s Court of Zhongshan City, Guangdong Province. So, what kind of traffic accident is this? Why was this pedestrian sentenced for this?

　　Pedestrians ran a red light and killed motorcycle passengers.

　　The lady sitting in the dock of the court is the "pedestrian" side of this traffic accident, Hu. The People’s Procuratorate of the First Urban District of Zhongshan City, Guangdong Province accused that at 8 o’clock on the evening of May 27, 2017, when the defendant Hu walked to the first section of the Torch Development Zone in Zhongshan City, he did not cross the road according to the traffic lights on the sidewalk, and collided with a moving two-wheeled motorcycle, causing the victim Zhang who was riding the motorcycle to be injured and died after being sent to hospital for rescue. After forensic identification, Zhang died of severe craniocerebral injury caused by blunt violence on the head and face. After the incident, the defendant Hu was injured and was sent to hospital for treatment.

　　Whether the defendant "ran a red light" is hotly debated by both the prosecution and the defense.

　　The defendant Hu argued in court that the traffic lights at both ends of the crosswalk at the incident section were not automatic, but manually controlled. Before crossing the road, pedestrians need to touch the buttons on the roadside and wait until the green signal lights up before passing. The defendant Hu argued in court that she just forgot to touch the button in a hurry on the night of the incident.

　　What is the impact of monitoring and revealing two details on the trial of the case?

　　In addition, the monitoring screen also reflects two details: before the accident, at the moment when the motorcycle approached the defendant, the defendant had an action of speeding forward; Careful observation of the picture shows that when the defendant crossed the road, there was always a light spot in her hand, which was her mobile phone screen.

　　During the trial, the defendant’s defense lawyer said that when crossing the road, the defendant didn’t talk on the phone while walking, but just crossed the road with his mobile phone.

　　In the monitoring screen, the mobile phone screen in Hu’s hand was always on when crossing the road, and it can be clearly seen that she kept her head down when crossing the road. She did not observe the road conditions and traffic lights in advance, but walked straight ahead with her mobile phone.

　　The traffic police determined that pedestrians were mainly responsible for the accident.

　　After the accident, the police of the traffic police brigade of the local public security organ immediately went to the scene of the incident to conduct an investigation, and made a "Certificate of Road Traffic Accident", which determined that the pedestrian Hu was mainly responsible for the accident. According to the investigation of the traffic police brigade of the Torch Development Branch of Zhongshan Public Security Bureau, Guangdong Province, Miao, a motorcycle driver, also committed a number of traffic violations when the accident occurred. It can be seen from the monitoring collected by the police that after the accident, Miao, a motorcycle driver who fell to the ground, stood up and walked to the victim Zhang, wearing a pair of roller skates on his feet. In addition, when Zou was driving a motorcycle, he and passenger Zhang did not wear safety helmets as required. However, the local traffic police department believes that these behaviors of Miao are just general illegal behaviors during driving, and they have no direct causal relationship with the accident.

　　Chen Dewen, policeman of traffic police brigade of Torch Development Branch of Zhongshan Public Security Bureau: "The accident section is controlled by a traffic light. When pedestrians cross the road, she doesn’t look at the traffic lights and traffic lights at all. When the motorcycle encounters this situation, the brakes don’t rush to the left, but they have already hit the direction, causing pedestrians and motorcycle drivers and passengers to fall to the ground. Pedestrians running red lights are the cause of the accident. "

The overpass collapsed by a truck in Hangzhou has been moved away from the scene to resume traffic.

　　Zhongxin. com, Hangzhou, May 19 (Guo Qichen, Zhang Yuhuan) On the evening of the 18th, with a loud noise, a pedestrian overpass in Hangzhou was hit by a truck and collapsed. For a time, it was hit by the overpass and the road was "stopped". Fortunately, there were no casualties at the scene. On the 19th, Hangzhou Public Security Bureau announced that as of 6: 50 on May 19th, the scene of the accident at Qiutao intersection of Qingchun Road was cleared and traffic resumed. At present, the accident is under further investigation.

The picture shows the scene of the accident. Wang Gang

　　On the evening of 18th, Hangzhou Public Security Bureau issued a police report saying that at about 22: 26 on May 18th, when Ma Moumou (male) was driving a large truck named Anhui SB62** in Qiutao North Road in Hangzhou from south to north passing through Qingchun East Road, the southeast side of the footbridge collapsed due to the collision of vehicles with high loads. Up to now, there have been no casualties. After the accident, the public security organs and rescue forces immediately rushed to the scene for disposal. The driver of the accident has been under the control of the police.

The picture shows the staff carrying out on-site repair and cleaning. Wang Gang

The picture shows the scene of the accident. Wang Gang

　　At 23: 30 on the 18th, the reporter rushed to the scene of the incident, and the bridge body of the collapsed part of the footbridge was still pressed at the end of the red truck. According to a taxi driver who was passing by at that time, two large trucks passed by the road section at the time of the incident, and the cargo was of arched steel frame structure, and the cargo height was significantly higher than the height limit of the overpass. "The first big truck made a loud noise when it passed the overpass. I didn’t expect the second car to hit it directly. At that time, the speed was not fast."

　　Witnesses at the scene told reporters that after the front part of the big truck passed through the overpass, the super-high part of the cargo was pushed to the overpass, and the bridge collapsed and pressed the vehicle after violent vibration.

　　Witnesses recalled that two cars just passed by at that time, but fortunately, the vehicles directly passed through the gap between the bridge and the truck, causing only a slight rub.

The picture shows the scene of the accident. Wang Gang

The picture shows the scene of the accident. Wang Gang

　　Afterwards, the traffic police implemented bayonet diversion measures on the surrounding road sections. The reporter learned from the traffic police at the scene that in order to resume traffic as soon as possible, the scene is being actively repaired and several engineering repair vehicles have arrived at the scene. "But the difficulty is that there is a viaduct above the pedestrian overpass, so the crane can’t lift the collapsed overpass smoothly, and it is difficult to repair it."

　　After a night of accident treatment, the bridge was finally hit and transported away from the scene by a trailer. As of 6: 50 on the 19th, the scene of the accident was cleared and traffic resumed. (End)

Attention! The latest trends of group loan network, Jiufu, Renren loan and micro-loan network

Source: Online Loan Eye
Recently, the dynamics of the online lending industry have continued to attract attention. As the final "deadline" of the online lending platform approaches, the clearing of the online lending industry is also accelerating.
To this end, Online Lending Tianyan summarized the latest progress of group loan network, Jiufu, Renren loan and micro-loan network according to public information and relevant media reports.
Tuandai.com
First, sort out the collection data
Last week, the amount of collection on the asset side of the group loan network was 7,649,700, a record low.
Weekly payment statistics are as follows:
Second, the progress of collecting the "three axes"
Now the weekly collection situation is not optimistic. At the beginning, the amount of collection was as high as 100 million per week, and it gradually began to decrease to 70 million, 50 million, 30 million and 20 million, and now it may be less than 10 million per week.
I have analyzed the "three axes" of collection before: credit reporting, frozen cards and legal reminders.
Credit information. According to the telephone feedback from the Financial Office, a number of central banks and hundreds of banks have been reported recently. At present, the total number of people reporting credit information is 140,000.
Frozen card. According to the feedback from the Financial Office and the Economic Investigation Bureau, a new batch of overdue borrowers’ bank cards were frozen around September, but it is not clear how much.
Legal reminder. On the French side, we can find news from the public news of courts all over the country. At present, some overdue borrowers of mortgage and car loans have begun to sue, but the number is far from enough.
The basic disk of the group loan network is probably like this-
1. There is a lot to be received, and there are many fake and real bids at the same time.
2. The fake bid has almost recovered 8.6 billion yuan through recovery, and the real bid has almost recovered 4 billion yuan through collection.
3. The platform was put on file on March 29, 2019, and the boss has been arrested. The case has entered the normal public security law process, and has gone through investigation, inspection and court filing. Now it has entered the stage of waiting for the court to open.
As the front-end platform, the group loan network has a large amount of money to be collected, and its internal situation is more complicated than e-rental.
It involves the collection of genuine bid, the recovery of self-financing false bid, the procedure of public security inspection law, court judgment and asset disposal. These tasks are very common in the process of dealing with P2P illegal fund-raising cases.
In particular, this point: e-rental treasure is mainly fake, and basically does not involve collection work, but the group loan network has a large number of real bids. How to deal with these real loans in the end will bring reference value to the following cases.
The disposal method and judgment of the large-scale P2P illegal fund-raising case of group loan network will have important reference value for the economic investigation, procuratorate and court of other platforms behind.
With the increasing number of P2P eviction cases, more and more platforms that failed to evict will be put on file, and the follow-up may enter the public security law procedure.
In the case of group loan network, how the court will finally deal with those P2P laolai who fail to pay back the loan within the time limit is actually worthy of attention and study.
Jiufu
Jiufu has paid back again recently, and has paid back three times so far. The pre-tender payment is made once a week, and it is all concentrated on Monday afternoon. This point was not mentioned in the Nine-Rich Plan, but it should be artificially set. Judging from the feedback from lenders, the proportion of repayment is generally not high.
If all of them are calculated in 36 months, the monthly proportion of the payment progress should be 2.77%. Jiufu has paid for three weeks, and logically it should pay 1.94% to be considered as a normal payment.
One of the biggest questions is: some guys haven’t paid back the money for three times in a row. Is his bid overdue? In this regard, some lenders asked the platform customer service, but they still did not get a reasonable explanation.
In addition, Jiufu Securities, a subsidiary of Jiufu Group, changed its name.
(From Fuyuan Securities)
Jiufu’s known financial licenses for equity participation and holding include:
Insurance brokers (Jiuxing Insurance Brokers), fund sales (Jinniu Fund), banks (Hubei Ezhou Rural Commercial Bank), Hong Kong Securities (Fuyuan Securities) and other licensed institutions.
Moreover, many lenders may not have noticed: not long ago, Jiufu had withdrawn its shares from Hubei to eliminate gold.
According to Tianyancha’s disclosure, the time for Xinjiang Teyi Digital Branch (Jiufu affiliated company) to withdraw its shares from Hubei is October 10 this year.
(From Tianyancha: Xinjiang Special Easy Number Department has withdrawn its shares)
Recently, Jiufu Pratt & Whitney released the "Proposal on Establishing a Lender’s Committee", saying that in the process of continuously promoting the smooth resolution of the online lending business on the platform, in order to establish a more sustainable and effective communication channel, accurately collect and feedback the opinions and suggestions of lenders, actively respond to the demands of lenders, and propose to establish a lender’s representative Committee (hereinafter referred to as the "Lender’s Committee").
According to the contents of the "Proposal", the platform will publicly collect the election process, Committee rules of procedure and work plan of the lending Committee from all lenders holding creditor’s rights. Lender users who are interested in participating in the preparation for the establishment of a lending committee can send their resumes and suggestions on the specific scheme of establishing a lending committee on the platform to the designated mailbox before November 10th. After verifying the identity of the registered lenders and fully understanding their wishes, the platform will select no more than 19 people to set up a preparatory group for the lending committee under the supervision and guidance of the regulatory authorities and government special classes.
Jiufu Pratt & Whitney also said that the above work plan will be completed about 2 months after the date of the proposal. Subsequently, the voting channel of the Lending Committee will be opened on WeChat WeChat official account, and the work progress and achievements of the Lending Committee will be announced regularly.
In addition to the "Proposal for Establishing a Lending Committee", Jiufu also issued the "Announcement on Increasing Diversified Communication Channels", saying that more online and offline communication channels will be added on the basis of the original communication mechanism to establish a more diversified communication mechanism.
In terms of online communication channels, the responsible persons in charge of different departments will be arranged from time to time to conduct live online broadcasts and online answers with users in turn. In terms of offline communication, users who strongly want to communicate face to face can register online to make an appointment, and the user reception address is Fangshan District, Beijing.
It is understood that on October 12 this year, Jiufu issued a rumor announcement, denying that the platform "Thunderstorm" would no longer be honored. At the same time, it clarified ten issues related to the platform, such as "transfer of creditor’s rights, private exchange, overdue, and executive responsibility".
peer to peer lending
As of 0: 00 on October 27, 2020, the exit time for the transfer of service debt of Renren Loan U is 20: 00 on October 16, 2020. Since October 16, 2020, everyone’s loan-to-debt transfer has been slow. The original speed of debt transfer can be completed in 2 hours on the same day, but now it has not been completed in 9 days.
According to the information provided by the lender who visited Renren Loan:
First, there may be a plan in November.
Second, everyone got credit.
Third, it is not impossible to penetrate the bottom bid. In short, the borrower will eventually pay you back, not everyone.
Fourth, the subject matter is guaranteed, but the guarantee has an upper limit.
First of all, the plan is very vague at this point in time. They can say whatever they want, and they can even continue to drag on. From the perspective of everyone’s loan, as long as the pressure is not great, the so-called "plan" can be dragged on by debt. Not to mention Jiufu’s "plan" at that time, it finally dragged on for two months and became a "bottom bid penetration". At present, there is no official statement on Renren Loan, so I don’t comment on whether this time is true or not.
Secondly, recently, many lenders received piecemeal payments during the withdrawal period, including "tens of dollars" and "one hundred and eighty dollars". At present, Renren Loan has not given any explanation for this.
Third, about the guarantee. In the U-Share Lending Agreement, there is a passage that clearly shows the existence of guarantee, that is, setting up a special account for risk guarantee fund.
According to the mechanism of protecting the interests of everyone’s loan users, when the borrower of the guaranteed loan is overdue for more than 30 days, it will withdraw the corresponding funds from the funds in the margin account to repay the lender’s overdue claims. However, as stated in the reply, there is an upper limit on the guarantee, and what is the upper limit? It is not said.
Micro-loan network
Recently, Shangcheng Branch of Hangzhou Public Security Bureau reported the latest progress of micro-loan network cases. As of October 22, the public security organs had collected a total of 2.629 billion yuan, an increase of 410 million yuan over the content notified in September.
According to the contents of the circular, up to now, a total of 2.629 billion yuan of funds have been collected, and the work of seizing up and freezing has been carried out simultaneously and continuously.
At the same time, the micro-loan network is included in the credit information work normally. On the basis of the previous report, we will further promote the sorting and reporting of people who evade debts. The public security organs will continue to crack down on the malicious evasion of debts, and hereby remind the platform borrowers to consciously and actively cooperate with the loan collection work and fulfill their repayment obligations according to law.
In addition, under the supervision of the government, the team and organizational structure of the micro-loan network have remained stable, and the daily collection work and payment collection have remained normal.
According to the previous report of Online Lending Tianyan, on July 4 this year, Shangcheng Branch of Hangzhou Public Security Bureau filed a case investigation on Micro-loan (Hangzhou) Financial Information Service Co., Ltd. ("Micro-loan Network" platform) according to law, and the case is being investigated according to law.
Source: NP Caizhi, Xiaoyi Shuocai, and Online Loan Eye.
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Do not accept the investment of sexual abusers! Gerga Duo quits wonder woman sequel？

Gal Gadot


1905 movie network news Like the character "wonder woman", Gal Gadot has always been a spokesperson for women’s rights in her daily life, and has maintained a zero tolerance attitude towards "sexual harassment". According to Page Six, a Hollywood source revealed that Gal Gadot stated that he would not star in the sequel unless Brett Ratner, an investor facing multiple sexual harassment charges, completely withdrew from the project.

　

Brett Ratner is a famous director and producer in Hollywood. He has directed and made a series of blockbusters, and his company RatPac-Dune Entertainment has participated in the investment and production of many films such as Wonder Woman,, and so on. Recently, many actors and staff members who have worked with Ratner, such as olivia munn and natasha henstridge, accused Ratner of sexual harassment, but he himself denied it.

　Brett Ratner

Wonder Woman’s global box office, which was released this summer, exceeded $400 million, which also made Brett Ratner, who participated in the investment, earn a lot of money. According to informed sources, Gal Gadot believes that the best way to attack Ratner is "money". She also firmly believes that Warner Bros. is on her side, and it is impossible for a film promoting women’s power to accept the investment of a "sexual harassment suspect".

As early as a month ago, Gal Gadot expressed her support for the victims of sexual assault who bravely stood up on Ins. "Bullying and sexual harassment are unacceptable! I support all women who face their fears and dare to speak out. I am with you, and during this period of change, we should stick together, "Gado wrote.

Gal Gadot issued a statement on Ins to show his attitude.

International observation ｜ It is extremely irresponsible for Japan to approve the discharge of nuclear polluted water into the sea.

　　Xinhua News Agency, Tokyo, July 23rd Japan’s nuclear regulatory agency, the Atomic Energy Regulatory Commission, held a meeting on the 22nd, officially approving the plan of Tokyo Electric Power Company (hereinafter referred to as TEPCO) to discharge nuclear polluted water into the sea at the Fukushima Daiichi nuclear power plant. According to this plan, TEPCO will start to discharge nuclear polluted water next spring if the local government agrees again.

　　Analysts pointed out that in April last year, the Japanese government officially decided to discharge nuclear polluted water into the Pacific Ocean despite strong opposition at home and abroad. Over the past year or so, despite the rising opposition at home and abroad, the Japanese side turned a deaf ear and pushed forward the discharge of nuclear polluted water into the sea, which is extremely irresponsible and will cause serious harm to the global marine environment.

International observation | It is extremely irresponsible for Japan to approve the discharge of nuclear polluted water into the sea.

　　This is the Fukushima Daiichi nuclear power plant in Japan, which was shot on April 13th, 2021. (Xinhua News Agency/Kyodo News Agency)

　　Push hard

　　In April this year, Japan Atomic Energy Regulatory Commission ignored domestic and international objections and doubts, and "generally agreed" to TEPCO’s emission plan, forming a draft "review book". After confirming the draft of the "review book" in May, the Committee said that the draft was "no problem" and entered the public consultation session.

　　According to reports, 670 of the more than 1,200 opinions collected publicly are technical opinions, including concerns about the determination of the concentration of nuclear contaminated water and the earthquake resistance of equipment. Despite this, after discussing the opinions collected on the 22nd, the Atomic Energy Regulatory Commission said that TEPCO’s response was "appropriate" and approved its plan to discharge nuclear polluted water into the sea.

　　After the Fukushima nuclear accident in March, 2011, a large amount of nuclear polluted water was produced to continuously cool the nuclear reactor whose core melted. TEPCO has prepared about 1,000 water storage tanks for storing nuclear contaminated water at the Fukushima Daiichi nuclear power plant. With the available capacity of water storage tanks getting less and less, the Japanese government held a cabinet meeting in April last year and formally decided to filter and dilute these nuclear polluted water and discharge it into the sea.

International observation | It is extremely irresponsible for Japan to approve the discharge of nuclear polluted water into the sea.

This is the nuclear sewage storage tank of Fukushima Daiichi nuclear power plant, Japan, which was photographed on February 13, 2021. (Xinhua News Agency/Kyodo News Agency)

　　Analysts pointed out that although the emission plan was nominally formulated by TEPCO, in fact, it could not be completed without the participation and support of the Japanese government.

　　According to Japanese media reports, in addition to promoting the approval of emission plans, Japan is also stepping up the construction of sea-discharge pipelines. At the end of April this year, TEPCO started the construction of the outlet of the submarine tunnel for discharging nuclear polluted water, with the goal of completing related projects in April 2023.

　　make irresponsible remarks

　　At present, all parties are generally concerned about the impact of Japan’s discharge of nuclear polluted water on the marine environment and people’s health in countries along the Pacific Ocean. At the same time, questions are raised about the legitimacy of the nuclear polluted water discharge scheme, the reliability of Japanese data, the effectiveness of purification devices and the controllability of environmental impact. Grossi, Director General of the International Atomic Energy Agency, pointed out in an interview last year that Japanese nuclear waste water discharged into the Pacific Ocean should not cause environmental damage.

　　The International Atomic Energy Agency set up a technical working group to visit and evaluate Japan twice. So far, it has not reached a conclusive opinion on Japan’s sea discharge plan, and at the same time, it has put forward many clarification requirements and improvement opinions. China and Russia submitted a joint technical questionnaire to the Japanese side, and they still haven’t received feedback from the Japanese side. Not long ago, the leaders’ meeting and foreign ministers’ meeting of the Pacific Island Forum also expressed serious concern about related issues.

　　In this regard, the Japanese side not only deliberately avoided these questions, but also made irresponsible remarks and tried to cover up the harm. The Japanese side claimed that before the Fukushima nuclear polluted water was discharged into the sea, it had to be filtered by "Multi-nuclide Removal Equipment" (ALPS) to remove more than 60 radioactive substances. Tritium, which is difficult to be removed by the equipment, will be diluted to a concentration far lower than the Japanese national standard and discharged into the sea. The Japanese side also confuses the concept and confuses nuclear polluted water with waste water, saying that waste water discharged from nuclear power plants all over the world contains tritium, and it is safe to dilute it and discharge it into the sea.

　　In fact, Fukushima nuclear contaminated water is not tritium-containing wastewater discharged during the normal operation of nuclear power plants, and the radioactive substances contained in it are extremely complex, so it is doubtful whether it can be effectively removed. Given that the Japanese government and TEPCO have many dishonest records in dealing with the Fukushima nuclear accident, their statements are unconvincing.

　　Japanese media have found out that there are many radioactive substances in Fukushima nuclear polluted water beyond the standard except tritium. TEPCO also admitted that more than 70% of the nuclear polluted water treated by ALPS does not meet the discharge standards and needs to be filtered again.

　　strongly oppose

　　There have been a lot of doubts and objections in Japan and the international community about Japan’s plan to discharge nuclear polluted water into the sea. The statement made by the Japan Atomic Energy Regulatory Commission on the 22nd once again aroused serious concern, and all parties urged Japan to cancel the wrong decision to discharge nuclear polluted water into the sea.

International observation | It is extremely irresponsible for Japan to approve the discharge of nuclear polluted water into the sea.

On April 13, 2021, protesters opposed the discharge of Fukushima nuclear polluted water into the sea outside the Prime Minister’s residence in Tokyo, Japan. (Photo by Xinhua News Agency reporter Du Yiyi)

　　People from Tokyo, Chiba and Fukushima held protests that day. The people who participated in the event said that the decision of the Atomic Energy Regulatory Commission is related to the future of Fukushima and the marine environment, but it is very irresponsible to make such an important decision without fully informing the Japanese people. Some people also said that they are resolutely opposed to discharging nuclear polluted water into the sea, and Japan can no longer pollute the ocean and pollute the earth.

　　The National Federation of Fishery Associations of Japan held a meeting in Tokyo a few days ago and unanimously adopted a special resolution of "reaffirming the position of resolutely opposing the discharge of nuclear polluted water from Fukushima into the sea". This is the third time that the group has passed a resolution against the discharge of Fukushima nuclear polluted water into the sea.

　　Japan’s irresponsible behavior triggered strong opposition from neighboring countries. The South Korean government said on the 22nd that it was worried about the Japanese nuclear regulatory agency’s approval of discharging pollutants into the sea, and it would take countermeasures. At the same time, South Korea will also strengthen cooperation with the International Atomic Energy Agency and strengthen the detection of domestic marine environmental radiation.

　　China’s Ministry of Foreign Affairs reiterated on the 22nd that the disposal of nuclear polluted water in Fukushima is related to the global marine environment and the public health of Pacific Rim countries, and is by no means a private matter of Japan. China once again urges Japan to earnestly fulfill its due international obligations, dispose of nuclear polluted water in a scientific, open, transparent and safe way, and stop pushing the plan of discharging the sea. The Ministry of Foreign Affairs of China emphasizes that before full consultation and agreement are reached with stakeholders and relevant international institutions, shall not start the discharge of nuclear polluted water into the sea without authorization. If Japan insists on putting its own self-interest above the international public interest and taking a dangerous step, it will pay the price for its irresponsible behavior and leave a historical stain.

Shanghai Bank AI digital employees go online, and Shang Tang Big Model helps the elderly to cross the ＂digital divide＂

Recently, two AI digital employees "Hai Xiao Zhi" and "Hai Xiaohui" of Shanghai Bank went online to provide intelligent financial services to the public through various channels such as mobile banking APP, e-link, offline flagship outlets and "Yuan Universe Bank". The two AI digital employees are jointly developed by Shanghai Bank and Shangtang Technology. Based on the "consultation" big language model and digital video generation technology, it is expected that bank customers will get more convenient information services, especially helping to eliminate the "digital divide" faced by the elderly.

"Hai Xiao Zhi" and "Hai Xiaohui" appear as young men and young women respectively, with expressions, actions and tone of voice close to real people, and can provide interactive services such as business consultation, product recommendation, marketing anchor and bank brand promotion. When interacting, they can chat naturally instead of searching, so that customers can easily experience all the services of mobile banking. This lowers the use threshold for the elderly who are not used to the operation of APP pages, and its ultra-realistic image will also make the elderly feel the emotional value of temperature.

AI digital employees of Shanghai Bank "Hai Xiao Zhi" and "Hai Xiaohui"

It is reported that Shanghai Bank is the largest pension agency in Shanghai, and nearly 30% of its mobile banking users are customers over 60 years old. The survey shows that elderly customers are more willing to go to offline outlets to handle time deposits, print transaction flow and other businesses, and they need professional financial services and companionship with temperature.

The rise of a new generation of information technology, such as AI big model and digital, has basically met these needs of the elderly. This year, Shanghai Bank cooperated with Shangtang Technology "Ruying" to create AI digital employees based on "Consultation" language model and "Ruying" digital human video generation technology. At present, "Hai Xiao Zhi" and "Hai Xiaohui" have completed the knowledge base training of 2,000 question-and-answer data and 100,000 corpus data, have professional financial knowledge question-and-answer ability, and are proficient in all details of more than 4,000 financial products of Shanghai Bank.

With the natural language processing ability of the "consultation" model, AI digital employees can accurately distinguish professional issues from small talk topics, and can also conduct real-time voice interaction and automatically adapt to large-format scenes, bringing customers a good exclusive interactive experience.

In front of AI digital employees, customers can query account balance, transfer records, financial product introduction and other information by chatting, and easily obtain all services of mobile banking. Taking pension inquiry as an example, the elderly don’t need to know the button position of this business, just say "inquire pension" to digital people, and they can get the corresponding account options under their own names, and complete the pension inquiry business in a question and answer.

In addition to pension inquiry, there are more than 10 similar multi-round interactive scenarios such as balance inquiry, which help the elderly to handle mobile business through question-and-answer guidance and help this group cross the "digital divide".

AI digital employees provide personal financial services to customers.

At present, "Hai Xiao Zhi" and "Hai Xiaohui" have been launched on the mobile banking APP of Bank of Shanghai and the recently released "Yuan Universe Bank", and they will also appear in the flagship outlets of the Puxi headquarters building of Bank of Shanghai, so as to achieve higher-frequency customer service without increasing the number of service departments.

In order to ensure financial security, Shang Tang has also done a lot of preparatory work, for example, jointly formulated the "Trusted Digital Man" standard with China ICT Institute. The digital people created by Ruying platform are trusted and will not be stolen or tampered with, which lays a safe foundation for the promotion and application of AI digital people in the financial industry.