The picture shows that on November 7, 2022, in the artificial intelligence area of the 5th China International Import Expo(CIIE) Technology and Equipment Exhibition Area, the experiencer felt "high-five from a distance" in the virtual workspace with the help of VR headsets. Xinhua News Agency reporter Hou Junshe

　　□ Rule of Law Daily reporter Wang Wei

　　On April 3rd, ulrich Kelber, German Federal Commissioner for Data Protection, said that Germany might follow the Italian example and temporarily ban ChatGPT for the sake of data security protection. He revealed that the act of disabling the software will fall within the purview of the German Federal Data Protection Agency. In addition, the German Federal Data Protection Agency asked Italian regulators to provide more information about its blocking of ChatGPT.

　　Experts pointed out that ChatGPT has 100 million active users within two months of its launch, making it the fastest growing consumer application in history. Although ChatGPT is amazing in practical use, it still has disadvantages such as high cost and information leakage due to the limitations of large-scale language model itself and data reasons. How to balance scientific and technological innovation and privacy protection still needs continuous exploration by all parties.

　　Multinational follow-up restrictions

　　Recently, negative emotions such as dissatisfaction, panic and conflict with ChatGPT in many countries are continuing to ferment.

　　Reuters reported that the Italian Personal Data Protection Agency (DPA) recently announced that it would ban the use of ChatGPT from March 31st, restrict OpenAI from processing Italian users’ information and data, and at the same time, initiate an investigation into its privacy and security issues. This move has attracted the attention of multinational regulators and enterprises. Germany, France, Ireland and other countries have begun to prepare to follow the example of Italy and strengthen the supervision of ChatGPT.

　　On April 3rd, German Business Daily quoted ulrich Kelber as saying that, in principle, similar shielding actions are also possible in Germany. Germany has asked Italy for further information about its ban.

　　Meanwhile, according to Reuters, the French and Irish personal data regulators have contacted their Italian counterparts to learn more about the basis of the ban. A spokesperson for the Irish Data Protection Agency (DPC) said: "We are following up with Italian regulators to understand the basis for their actions, and we will coordinate this matter with all EU data protection agencies."

　　The Canadian Broadcasting Corporation (CBC) reported on April 4 that the Canadian federal privacy regulator announced that it had launched an investigation into OpenAI because the company was suspected of "collecting, using and disclosing personal information without consent". The report also mentioned that US President Biden and his Science and Technology Advisory Committee also discussed the "risks and opportunities" of artificial intelligence at the meeting held on the same day.

　　According to South Korea’s "National Daily" reported on April 3, a number of Korean companies, including Samsung, SK Hynix and Posco, are taking measures to restrict the use of ChatGPT to prevent employees from leaking secrets. Although LG Electronics has not issued a ban, it requires employees to be trained in "artificial intelligence and data use".

　　According to the Nikkei News Network, Japanese companies, including Softbank, Hitachi, Fujitsu, Mitsubishi UFJ Bank and sumitomo mitsui banking corporation, have begun to restrict the use of interactive artificial intelligence services such as ChatGPT in their business operations.

　　However, the privacy regulator in Sweden said that there is no plan to ban ChatGPT at present, and there is no contact with the Italian regulator. Spanish regulators said that they had not received any complaints about ChatGPT privacy leaks or other aspects, but they did not rule out the possibility of conducting an investigation in the future.

　　Suspected information leakage risk

　　This is not the first time ChatGPT has caused controversy. Since the launch of the service, some people worry that it will be used to cheat, spread false news or mislead the public.

　　ChatGPT was launched by OpenAI, an American artificial intelligence research laboratory, on November 30, 2022, and it has amazing language understanding, generation and knowledge reasoning ability. According to reports, within a few days after its launch, its registered users exceeded 1 million, and the number of active users in two months reached 100 million, which set off a hot discussion on the whole network and became the fastest growing consumer application in history, setting off a huge wave of technology in the field of artificial intelligence. However, it is undeniable that when ChatGPT is used more widely, the corresponding questions and concerns follow.

　　The industry believes that ChatGPT technology is still in the early stage, and there are many problems in itself. First of all, as a large-scale language model, ChatGPT is expensive to use. ChatGPT basic model has high training cost, difficult deployment, high cost for each call, and possible delay, which requires high engineering ability. The data shows that in order to make the language synthesis result of ChatGPT more natural and smooth, OpenAI shared 45TB of data and nearly 1 trillion words to train the model. This is roughly equivalent to 13.51 million Oxford dictionaries. The cost of training once is as high as ten million dollars.

　　Secondly, the social risks of artificial intelligence technology in information leakage will be further amplified because of the huge data scale used. As far as judicial work is concerned, during the interaction between judicial personnel and ChatGPT, ChatGPT will obtain a large number of business-related data, which can not be made public at will before the case meets the conditions of judicial disclosure. Once the data is leaked, it may lead to serious consequences. In addition, the terms of use of OpenAI do not provide any protection for the data information that users may input into ChatGPT.

　　Thirdly, the problem of low accuracy of ChatGPT cannot be ignored. Because most of ChatGPT’s answers are extracted or collected from known content, wrong or inappropriate suggestions may be given for unknown or blind areas of ChatGPT knowledge. For example, judicial staff often need to take into account "justice, law and human feelings" in handling cases, and need to consider the unity of legal effects, social effects and political effects of handling cases, which have certain humanistic thinking, and these are often lacking and insufficient in artificial intelligence. Therefore, the suggestions given by ChatGPT at this time will be biased to some extent.

　　Data security has a long way to go.

　　Regarding the risks exposed by ChatGPT, the protection of personal data in the EU is at the forefront. It is reported that the upcoming "Artificial Intelligence Act" of the European Union adopts a regulatory idea of classifying and managing artificial intelligence systems based on the degree of risk. However, generative artificial intelligence products like ChatGPT challenge the current risk classification methods.

　　In fact, as early as 2021, the European Commission proposed the draft of the Artificial Intelligence Act, but the progress of the proposal was not as smooth as expected. The core of the controversy among members of the European Parliament is whether regulation will hinder innovation, that is, how to balance data privacy and avoid stifling innovation and investment in artificial intelligence. One of the most controversial areas is deciding which artificial intelligence systems will be classified as "high risk". According to informed sources, European legislators are currently negotiating new rules that restrict "high-risk" AI tools in many aspects.

　　Not only have members of the European Parliament not yet reached an agreement on the basic principles of the proposal, but there has also been a dispute within the government about whether to supervise ChatGPT.

　　On April 2nd, matteo Salvigni, Italian Deputy Prime Minister and Minister of Infrastructure and Sustainable Transportation, publicly posted on social platforms, criticizing DPA’s decision to temporarily ban ChatGPT, saying that its blocking behavior was "excessive". He called the regulator’s behavior "too hypocritical", which seemed to have no common sense. "Almost all online services can’t avoid privacy issues". In his view, this ban may damage the country’s commercial development and technological innovation, hoping to find a solution quickly and resume the use of ChatGPT in Italy as soon as possible. A German government spokesman also believes that there is no need to ban ChatGPT.

　　Experts said that on the one hand, it is resolutely banned, and on the other hand, it is tolerant. Behind the controversy, it also shows that how to protect the privacy of citizens’ data and avoid the risk of privacy leakage will be problems that all subjects must consider and solve after artificial intelligence and large-scale coverage of social life. The "one-size-fits-all" approach that is too decisive is not worth advocating. Regulatory policies should not only have flexible space for discussion, but also allow enterprises to fully release their innovation vitality. More importantly, it is necessary to protect citizens’ personal data privacy and information security. This is not only a difficult problem facing Italy and Germany now, but all countries need to strike a good balance between protecting data security and excessive supervision and control, and use leverage to support both ends of technological innovation and privacy protection.

[Autohome Xi’an Discount Promotion Channel] Recently, there is a big promotion in the Xi’an market. The maximum discount amount reaches 28,000 yuan, and the minimum starting price is reduced to 188,600 yuan. If you are interested in this model, you may wish to seize the opportunity and click "Chatti Car Price" in the quotation form to strive for higher discounts!

eπ008采用了锐利的前脸设计，前脸线条流畅，整体呈现出一种动感十足的外观。进气格栅采用了独特的设计，增加了车头的立体感和运动感。整体风格方面，eπ008以现代简约为主，线条简洁大方，展现出独特的美学韵味。

eπ008拥有时尚动感的车身线条，其长宽高分别为5002mm、1972mm和1732mm，轴距达到了3025mm，营造出宽敞舒适的车内空间。前轮距和后轮距均为1650mm，确保了车辆行驶的稳定性和操控性。eπ008配备了265/45 R21规格的轮胎，搭配独具风格的轮圈，彰显了其运动与时尚的完美结合。

eπ008的内饰设计风格现代而时尚，皮质方向盘手感舒适，支持手动上下和前后调节，满足个性化驾驶需求。中控台配备了一块15.6英寸的超大触控屏幕，集成了多媒体系统、导航、电话和空调等多功能控制，同时支持语音识别控制系统，极大提升了操作便捷性和智能化水平。座椅采用高品质仿皮材质，主驾驶座椅具备加热、通风功能以及头枕扬声器，副驾驶座椅则同样具备加热功能。此外，前排座椅还配备电动记忆功能，方便驾驶员和乘客快速调整到舒适位置。第二排座椅不仅支持前后调节和靠背调节，还具备腿部支撑调节，提升了长途乘坐的舒适性。前排和后排均配备了USB和Type-C接口，方便充电，前排还配备了手机无线充电功能。

eπ008搭载了一款1.5T涡轮增压发动机，最大功率为108kW，最大扭矩为210N·m，配合电动车单速变速箱，为驾驶者提供强劲的动力输出。

汽车之家车主提到，他的eπ008颜色选择了向阳金，外观设计大气且中规中矩，不会出错。他还特别提到了赠送的21寸马牌轮胎，使车辆下身显得更为扎实。此外，虽然车辆高度不算很高，但车尾的造型设计增加了后备箱的空间，对此他给出了高度的赞赏。

CCTV News:Since its launch in 2018, the construction of Hainan Free Trade Port has gone through five years. This year, Hainan Province has fully started preparations for the island’s customs clearance operation. At present, the first batch of 25 stress testing projects are in full swing. Today (July 7), the "High-quality Development Research Bank", let us follow the reporter into the model room for the construction of Hainan Free Trade Port — — Yangpu Economic Development Zone, take a look at what changes are being brought here by the preparations for the island’s closure?　

The reporter’s interview in Yangpu began with a door-to-door investigation following the special class of enterprise work of Yangpu Bonded Port Development Bureau. Less than a month after the enterprise was put into production, it encountered the embarrassment of temporarily stopping production.

Person in charge of the enterprise:In the process of tariff operation, we encounter some problems, especially the problem of tax refund for raw materials entering and leaving the area.

The person in charge of the enterprise told the reporter that the reason why Yangpu was chosen was that it was optimistic about the dividend of the policy. However, because the enterprise just landed and did not know enough about the customs declaration procedures, the enterprise failed to enjoy the preferential tax refund policy when purchasing accessories.

Reporter:Production stopped just after it was put into production. Is there any loophole in the policy?

Zhang Hongguang, Director of Development Bureau of Hainan Yangpu Bonded Port Area:Because it is the first time for him to put into production here, and it is also the first time to apply the policy of duty-free processing value-added, some problems can only be revealed through gradual experience.　

In Zhang Hongguang’s view, the tax rebate problem encountered by enterprises is a very important one of the 25 stress tests being conducted by the government. The other 24 projects also include bonded maintenance of enterprises with two ends outside, simplifying the import license management of mechanical and electrical products, and expanding the scope of acceptance of third-party inspection of import and export commodities. The results of the stress test directly affect the success or failure of the island’s closure operation before 2025.

Zhang Hongguang, Director of Development Bureau of Hainan Yangpu Bonded Port Area:I welcome this big exam with them. We hope that they will ask more questions and leave us more homework, because the more homework we do, the more we will know what the problem is, and then we can get good grades in the exam.　

In 2007, China’s fourth bonded port area — — The establishment of Yangpu Bonded Port Area in Yangpu Economic Development Zone, although its area is only 2.26 square kilometers, marks a new step for Yangpu’s opening to the outside world.

In June 2020, the "Overall Plan for the Construction of Hainan Free Trade Port" was released, and Yangpu was given five unique free trade port policies, taking on the heavy responsibility of being the pioneer and demonstration area of the free trade port.

A number of reform policies and innovation systems were first launched in Yangpu — — The port of registry of "China Yangpu Port" signed the first Certificate of Ship Nationality here; "Zero tariff" raw and auxiliary materials import completes the first business here; Foreign trade ships with the same ship fill the first bonded oil here; China’s first "zero tariff" imported transport ship was cleared here.

A series of preferential policies attract enterprises to rush to Yangpu. By the end of June this year, there were more than 4,800 registered enterprises in the bonded port area alone. By 2025, the preferential policies and advanced practices of the bonded port area will be extended to the entire Yangpu Economic Development Zone of 114 square kilometers, and the coverage will be expanded by 50 times.

CCTV reporter Zheng Liankai:The fence behind me is Yangpu Bonded Port Area, which was established in 2007, with an area of only 2.26 square kilometers. In the future, with the completion of the operation project of Yangpu Port, the preferential policies enjoyed by enterprises in the region will be expanded to the whole Yangpu Port Development Zone and even the whole island of Hainan, and a more intelligent and efficient port supervision system will replace these fences.

At Xiaochantan Wharf in Yangpu, the construction site of the free trade port closure operation project is busy, and it is expected to be completed and put into use at the end of September. According to the standard of "first-line liberalization and second-line management", the import and export procedures of goods throughout the island can be handled here in the future. In other words, overseas goods and goods in the free trade port can freely enter and exit here without customs supervision, while goods entering and leaving the free trade port need to be subject to routine supervision.

According to the design scheme, the facilities and equipment of the first-line port and the second-line port can share resources, and the customs clearance process can be completed through different streamlines.

Zhang Hongguang, Director of Development Bureau of Hainan Yangpu Bonded Port Area:The red one is the streamline of the first line, and the green one is the streamline of the second line. They are not crossed. If inspection is needed, they can share this inspection platform. The ultimate goal of doing this is to ensure that the first line can be truly liberalized and the second line can be truly controlled.

Government and enterprise join hands to solve problems and optimize the process

Yangpu Economic Development Zone is a "model room" in the construction of Hainan Free Trade Port. For the local government, the construction of free trade port is a blue ocean, and there is no mature experience to follow. For the enterprises stationed here, it is also crossing the river by feeling the stones. With the closing operation approaching, how do the government and enterprises undertake the task of stress testing and join hands to "cross the road"?

Auska Grain and Oil, located in the Bonded Port Area of Yangpu Economic Development Zone, is the first large-scale entity enterprise introduced here after the release of the Overall Plan for the Construction of Hainan Free Trade Port in 2020. When the reporter first came here, the operation team was having a weekly meeting.

Although the operation of the enterprise is gradually on the right track, the initial landing is not easy. Three years ago, the 208 mu of land where the factory was located was still a wasteland full of shrubs and stones. During the construction period, the high temperature and rainy climate brought great difficulty to the project promotion. However, it is under such conditions that this enterprise has proposed to create the fastest speed for the establishment of a free trade port.

Zhang Hui, Chairman of Hainan Aosika International Grain and Oil Co., Ltd.:Because the year 2025 is very close, it is necessary to carry out the stress test of the detailed policy after the factory is built. The earlier it is, the better it will be for the future stress test, so it is not to seize the fastest speed of the construction of the free trade port, no, it is to seize the stress test time of the free trade port.

Unfavorable natural conditions did not stop the progress of the project. With the help of the government, enterprises worked overtime to catch up with the construction period, and it took only half a year for the factory to start and complete, which was three quarters less than the conventional time. Although the factory has been built, Zhang Hui and her colleagues are facing greater challenges.

According to the original customs declaration system, grain and oil products have to pay 9% tariff when they leave the customs declaration area, while according to Yangpu’s latest policy, raw materials can be exempted from tariff if their value-added after processing exceeds 30%. The policy is favorable, but because of the initial operation, the data systems of customs and other departments are incompatible with the public service platform of Hainan Free Trade Port to a certain extent, and the customs declaration has been unsuccessful. In order not to delay the delivery time and cause breach of contract, many departments came to the enterprise together to study the customs clearance and exit strategy on the spot, debug the system and go through the formalities.

Zhang Hui, Chairman of Hainan Aosika International Grain and Oil Co., Ltd.:It was very difficult at that time, but the customs moved me. They said that the system was a system, and we helped you lift the pole manually to solve it. I couldn’t satisfy one department’s overtime work, and I couldn’t satisfy one department. I added other departments, which moved me badly at that time, because we had a large volume, and we had to go out more than 1000 tons and many cars every day.

When encountering problems, solve them. Multi-department collaborative office, so that enterprises feel the determination and sincerity of the development of free trade port. On the second floor of this enterprise, there are four conference rooms of different sizes from the beginning. At the beginning of operation and production, these conference rooms will welcome different government workers every day.

Zhang Hui, Chairman of Hainan Aosika International Grain and Oil Co., Ltd.:The production license we proposed should be handled in advance, and our director (Market Supervision Administration) said, "If you dare to take responsibility and take the initiative, I can allow you to handle the production license first, but I will come to check and accept it before you put into production. If you don’t meet the requirements, I will take back your production license."

In the process of constantly solving problems, these pioneering enterprises are also the first to feel the brand-new policy of the free trade port. Zhang Hui’s company enjoyed the zero-tariff policy of imported equipment for its own use when it was built, and became the first enterprise in China to enjoy the tariff-free policy of processing value-added after it was put into production. Because of preferential policies and considerate services, more and more domestic and foreign enterprises have settled in this hot land.

Reporter:It just feels like a group of people who want to do things get together.

Zhang Hui, Chairman of Hainan Aosika International Grain and Oil Co., Ltd.:There is a kind of enthusiasm that can be accomplished. Actually, I am over 60 years old and retired before, but for the sake of free trade port, I said I would like to work for another 20 years.

The government’s service spirit of "shop assistant" injects confidence into enterprises

Attracted by the free trade port policy, over the past three years, more and more enterprises have invested in the bonded port area of Yangpu Economic Development Zone. The number of enterprises in the park has increased from more than 160 to more than 4,800 at present. Now, the scope of choice of enterprises is spreading from the bonded port area to the whole Yangpu Economic Development Zone. Many business leaders told reporters that the confidence of enterprises to develop here comes from the constantly improving business environment in the local area.

Song Liwu, Enterprise Service Commissioner:At the beginning of the year, we learned that the annual output value of the enterprise is about 100 million yuan, but the middle of the year has passed, and we actually have only more than 30 million yuan. I want to know what the main reason is.

Person in charge of the enterprise, Ran Dongsheng:If the coil belongs to the trial run stage, the output value will be raised after the formal production of the coil.

Now, the government workers in Yangpu Economic Development Zone have turned door-to-door service into the norm. In order to co-ordinate resources and fully build a model room of Hainan Free Trade Port, in 2021, the decision on the integrated development of Danzhou City and Yangpu Economic Development Zone officially landed. In April last year, Danzhou moved the Science, Technology and Industrial Information Development Bureau from the city to Yangpu Economic Development Zone, 60 kilometers away. In the same month, the first business environment construction bureau in Hainan Province was established here. At the end of May last year, Danzhou City also officially introduced the enterprise service specialist system, so that enterprises can have specific docking people when they encounter problems.

Liu Tong, Director of Danzhou Science and Technology and Industrial Information Development Bureau and Chief Service Commissioner:We told the enterprise service specialist that no matter what problems the enterprise has, you will accept all the orders. For example, children go to school, such as accommodation for new employees, production, transportation, logistics, import and export customs clearance, etc., first of all, let enterprises feel that there are government departments serving him.

The improvement of the business environment has an intuitive feeling for everyone who comes to Danzhou Yangpu to start a business. Since the beginning of this year, Danzhou has reorganized and optimized the launch of 93 "one thing at a time" items to achieve online processing; A total of 51 convenience service stations have been built throughout the city, and 102 high-frequency government service items such as "notarization of motor vehicle driver’s license" and "notarization of academic qualifications (degrees)" have been realized. At the same time, we will promote the handheld, online and one-time administration of government services.

Wang Jian, General Manager of Yangpudong Fang Yuhong Building Materials Co., Ltd.:(All kinds of services) enable us to put into production quickly, make our enterprises feel the spirit of "shop assistant" of the local government, and also inject confidence into our foreign enterprises to operate in the local area.

Zhang Liang, Deputy Director of Danzhou Business Environment Construction Bureau:In the aspect of administrative examination and approval reform, the Business Environment Bureau has transferred more than 900 items of examination and approval since its establishment, simplifying the process and shortening the time limit. In the aspect of surface restoration of the business environment, the municipal leaders have taken the lead and conducted special research, and concentrated on solving a number of legacy problems with long time span and high complexity.　

Nowadays, with the deepening of "model room", the content of government service enterprises is also being adjusted. From receiving all the orders to providing accurate and in-depth services to key issues. At the same time, with the increase of enterprises, in order to solve the problem that the number of service personnel is small and the energy can’t keep up, the local government upgraded the enterprise service Commissioner to the industrial service Commissioner.

Liu Tong, Chief Service Commissioner of Danzhou Science and Technology and Industrial Information Development Bureau:An industrial service specialist can comprehensively serve the whole industry with several other service specialists, and classify the problems.

What foreign investors and employed people are willing to leave behind is not only the constantly improving business environment, but also the feeling of quietly changing experience in their lives.

Zhang Hui, Chairman of Hainan Aosika International Grain and Oil Co., Ltd.:You see, we have everything we need now. The bike-sharing, the gymnasium, the reading room, the library, the cinema and the matching apartments for talents have all come out.

The team of "studying abroad" has grown and chosen talents from all over the world to use.

Cities are wonderful because of people. While building a model room of Hainan Free Trade Port, Yangpu also extends an olive branch to the global elites. Lin Guangming is an urban planner recruited by Yangpu from Singapore. Government departments employ foreigners to lead urban planning, which is also rare in the country. Lin Guangming laughed and called himself a "school of studying abroad", that is, a person who stayed in Yangpu. What changes are taking place in Yangpu in his eyes? What kind of city will Yangpu be in the future? Keep looking.

In Yangpu, Lin Guangming’s office hangs the famous brand of the chief planner. In June, 2020, the policy of free trade port landed in Hainan. At that time, Lin Guangming was still a government official of the Ministry of National Development, and had worked in the field of urban planning and design for 15 years, during which he had cooperated with China government departments. Entrusted, he began to look for a city planner for Yangpu. Unexpectedly, I became the final candidate.

Lin Guangming, Chief Planner of Yangpu Economic Development Zone Management Committee:Planners are in love with the land and have feelings. Practically speaking, every piece of land has life, so that is to say, it can carry something. As planners, we will basically have a feeling when we set foot on that piece of land.

I decided to set foot on this land because Yangpu people gave him the main planning work of this city. This is a trust and a heavy responsibility. It was also in that year that her beloved daughter was just born, and in the age of no doubt, he took his family across the ocean to find a dream.

Now, the child is three years old, and he has also completed the planning and design of a series of major projects, such as the land space planning of Yangpu Economic Development Zone, the strategic planning of the development around Xinyingwan, and the design and renovation of Yangpu Exhibition Hall.

In May 2022, after the promulgation of Danzhou Yangpu Integrated Development Plan, seven towns and villages in Danzhou City, which are close to Xinying Bay, were included in the Danyang Integrated Development Planning Area. As can be seen from these two pictures, this new development planning area is very close to Singapore in terms of area and shape, which further inspired Lin Guangming’s creative inspiration. He went into the rural areas and fishing ports of Danzhou and translated the design concepts accumulated in Singapore for many years here.

Lin Guangming, Chief Planner of Yangpu Economic Development Zone Management Committee:Why do I come here, hoping that this place will have great potential in the future. This is the old Kela Wharf in Singapore, and then it has been updated to become a tourist destination with 12 million tourists a year. Our New English Bay is very imaginative, and we can do this function in the future.　

People gather because of the city, and the city prospers because of people. In Yangpu, not only international talents like Lin Guangming can enjoy high salary and welfare, but also preferential policies for senior technicians are constantly landing. Full-time junior college and senior workers in key employers can also enjoy a housing subsidy of 1,600 yuan/month.

In 2022, the number of permanent residents in Yangpu increased by 10% compared with the previous year. Since the beginning of this year, another 3,500 distinguished talents have received big gift packages from the government. Like Lin Guangming, the team of "studying abroad" is growing stronger and stronger, and he has a bolder design for Yangpu in the future.

Lin Guangming, Chief Planner of Yangpu Economic Development Zone Management Committee:Combined with the conditions of some policies for the construction of Hainan Free Trade Port, this city can achieve low housing prices, no traffic jams and no crowded space. We hope that the population will be more than 300,000 from now on, and the population will reach one million or even more in the future.

To build a new city with a population of one million, Lin Guangming has made a long-term plan for the integrated development zone of Yun Yang with the shape of a germ. In the next 15 years, this 770-square-kilometer land will be divided into seven industrial zones, including wind power equipment, green petrochemicals, new materials, high-end manufacturing, intellectual innovation products, healthy food and port and shipping logistics, with an estimated total economic output of over 300 billion yuan, making it a high-quality development roof of the world in Hainan after Haikou and Sanya.

1905 movie network news The well-known "social fear king" was caught by netizens a few days ago, capturing the behavior of "social fear", but this time it did not appear in expression management, but — — Toes.

A few days ago, Tony Leung Chiu Wai took a group photo with the chef of the sushi restaurant after eating in a famous Japanese restaurant. In the photo, Tony Leung Chiu Wai is wearing a white shirt with a shy smile on his face; Carina Lau was wearing a black patchwork floral skirt, and the husband and wife stood on both sides of the master and took a group photo. However, eagle-eyed netizens found that Tony Leung Chiu Wai’s toes were strangely bent and dug at the moment of "freezing", and his honest physiological reaction amazed netizens.

After the photo was exposed, netizens left messages about Tony Leung Chiu Wai’s "social terror-style digging", saying: "Cute to death", "I’m about to be laughed to death by the social terror film emperor", "I’m really embarrassed to scratch the ground with my toes" and "inexplicably cute", but some curious netizens made funny guesses: "Is it possible that his toes are better than yeah?"

　　China Daily Online, February 24 (Xinhua) On the 23rd local time, the US Department of Justice issued a statement saying that it would terminate an initiative aimed at cracking down on China during Trump’s administration. Critics point out that the so-called "China Action Plan" is tantamount to racial profiling and creates a culture of fear in the field of scientific research, which should be abolished.

　　The Associated Press reported on 23rd that the US Department of Justice announced on Wednesday that it had decided to terminate the so-called "China Initiative". Earlier, American academic circles constantly criticized that the project had frozen normal academic cooperation and encouraged anti-Asian racial prejudice.

　　Matthew Olson, Assistant Secretary of Justice, said he must respond to the concerns he heard, including those from Asian-American groups. "We have heard the concerns of civil rights groups, who think that ‘ China Action Plan ’ It encourages intolerance and prejudice. With the increase of crimes and incidents against Asia, these concerns have increased. "

　　Olson said that academic and scientific circles are paying more and more attention to the investigation of some cases of the Ministry of Justice. These lawsuits and the atmosphere of public opinion created may bring a chilling effect to scientists and scholars.

　　"By classifying the case into the scope of the China Action Plan, we have encouraged a harmful view that (the Ministry of Justice) has adopted a lower standard in investigating and prosecuting criminal acts related to China, or that we have treated people with racial, ethnic or family relations with China in a different way to some extent."

　　In November 2018, during the Trump administration, the US Department of Justice launched a so-called "China Action Plan" aimed at cracking down on so-called economic espionage and trade secret theft.

　　According to CNN, the Asian American Association for Justice (AAJC) issued a statement on the same day, saying that the end of the China Action Plan is an important step to end the periodic and historical racial discrimination against Asian Americans and immigrants.

　　The New York Times reported that critics said that including such cases in the crackdown plan that seriously endangered national security would prompt investigators to unfairly target Asian professors, making people mistakenly think that everyone who hides relations with China is a spy.

　　Previously, many cases against Chinese scholars ended in innocence or dismissal. In a high-profile failure case, prosecutors dropped the charges against Chen Gang, a professor of mechanical engineering at MIT, after the Department of Energy said that his failure to disclose his relationship with China would not affect his funding application.

　　In response to the statement made by the US Department of Justice to terminate the "China Action Plan", Chinese Congressman Zhao Meixin issued a statement saying that the plan ruined the career of Asian Americans, prevented Asian Americans from pursuing academic majors such as science, technology, engineering and mathematics, and reinforced "harmful stereotypes".

　　National Public Radio reported that Asian human rights organizations appreciated the decision to end the project, but said more work was needed.

　　"The statement made by the Ministry of Justice today is an important step forward, but there is still much work to be done to ensure that all cases prosecuted are based entirely on evidence, not opinions," said Huang Zhengyu, president of the Chinese NGO Committee of 100.

I. Policy background

Implement the "Six Guarantees and Six Guarantees" put forward by Politburo meeting of the Chinese Communist Party, firmly implement the strategy of expanding domestic demand, and safeguard the overall situation of the city’s economic development and social stability. In order to cooperate with the setting of "regional indicators" and "Zhejiang A regional number plate" for passenger cars in Hangzhou, we will further gain time and space for the development of public transportation, urban rail transit construction, urban expressway network and infrastructure construction in our city, reduce the pollution emissions of motor vehicles with new number plates and reduce the impact of motor vehicles on road traffic congestion.

Second, the policy drafting process and basis

(1) Drafting process. Since May 2020, when the municipal government made a special study to promote automobile consumption and optimize the "double limit" policy of our city, the municipal traffic and public security traffic police departments have repeatedly demonstrated that the differentiated management of passenger cars in our city can be realized through the combination of "electronic police" and special number sections. Subsequently, under the leadership of the Municipal Traffic Control Office, the Municipal Regulation Office and the Municipal Public Security Traffic Police Department jointly studied and drafted the policy contents related to setting regional indicators and regional number plates for passenger cars. In terms of supporting measures for the adjustment of off-peak travel, the Municipal Traffic Control Office, together with the traffic police and traffic authorities, has been continuously carrying out reserve research and investigation for this work for three years. During this period, it has also made a comparative reference to the restrictions in Beijing, Shenzhen, Tianjin, Xi ‘an and other cities, focusing on field research in Shanghai, understanding its off-peak object, off-peak range, off-peak time and off-peak rules, and compared it with the current off-peak implementation in our city. At the beginning of July, the Municipal Blockage Control Office took the lead, with the participation of the Municipal Public Security Traffic Police Bureau and the Municipal Transportation Bureau, a preliminary plan was formed and submitted to a special discussion; On September 2nd, the Municipal Office of Blockage Control convened experts from the industry, representatives of people’s feelings, news media and other experts to conduct an expert review of the scheme; From September to October, in Zhejiang Satellite TV, Hangzhou TV, Hangzhou Net and other media, experts, media, citizens and other social opinions were publicly solicited through our round table meeting and citizens’ meeting hall; On October 30th, the draft for comments was formed, and the opinions of all districts, counties (cities) and relevant departments were solicited at the special meeting of the municipal government; As of October 31, it was collected in total.

More than 1,000 feedback comments were received, which were carefully revised one by one to form a draft for "peak-shifting travel". On January 5, 2021, with the consent of the Municipal People’s Government, the Municipal Blockage Control Office took the lead and released a draft for comments. By January 14th, 2021, more than 7,600 feedback opinions had been received, which were carefully revised one by one, discussed by the special meeting of the municipal party committee and the municipal government, and the Notice on Adjusting Traffic Management Measures for "Off-peak Travel" in the peak hours of working days was revised and improved.

(2) The main basis.

1. Road Traffic Safety Law of the People’s Republic of China

2. People’s Republic of China (PRC) Air Pollution Prevention Law

3. Regulations of Hangzhou Municipality on Road Traffic Safety Management

4. Regulations of Hangzhou Municipality on Prevention and Control of Motor Vehicle Exhaust Pollution

5. Regulations of Hangzhou Municipality on the Regulation and Management of Passenger Cars.

6. Measures for the Administration of Setting "Regional Indicators" and "Zhejiang A Regional Number Plate" for Passenger Cars in Hangzhou.

III. Main contents and relevant explanations of the announcement

The main content of this notice is to set up and adjust the traffic management measures for "off-peak travel" in the peak hours of working days. The details are as follows:

1. The existing "Zhejiang A-plate" minibus and the subsequent bidding and lottery "Zhejiang A-plate" minibus. From the point of view of maintaining policy consistency and stability of residents’ travel expectations and improving policy acceptability, the peak shift range, peak shift period and peak shift rules of these vehicles will not be adjusted.

2. "Zhejiang A regional number plate" minibus. The range of off-peak travel refers to all roads (except Zijingang Road) within the off-peak travel range specified in the Notice of Hangzhou Municipal People’s Government on Adjusting Traffic Management Measures for "Off-peak Traffic Restriction" in Working Day Peak Hours (Hangzheng Letter [2014] No.54). As well as elevated roads and expressways (including ramps and affiliated bridges and tunnels) in the expressway around the city. Zijingang Road Tunnel, Zijingang Road South Tunnel, Zizhi Tunnel and Zhijiang Bridge are not included.

The peak-shifting periods are 7: 00-10: 00 and 16: 00-19: 00 on working days for elevated roads and expressways (including ramps and affiliated bridges and tunnels); Peak-shifting periods of other roads are 7: 00-9: 00 and 16: 30-18: 30 on weekdays (consistent with peak-shifting periods of "Zhejiang A number plate").

3. Non-Zhejiang A-brand minibus. The range of peak stagger is all roads (excluding expressways and airport highways) in the enclosed area formed by East Lake Elevated-Tongcheng Elevated-Tonghui Road-03 Provincial Highway-Ring Expressway (south line)-Ring Expressway (west line)-Ring Expressway (north line). And all elevated roads and expressways (including ramps and affiliated bridges and tunnels) in the expressway around the city.

The peak-shifting periods are 7: 00-10: 00 and 16: 00-19: 00 on working days for elevated roads and expressways (including ramps and affiliated bridges and tunnels); Peak-shifting periods of other roads are 7: 00-9: 00 and 16: 30-18: 30 on weekdays (consistent with peak-shifting periods of "Zhejiang A number plate").

IV. Answers to related questions

(1) Are there any changes in the measures for off-peak travel of "Zhejiang A" passenger cars?

A: No change.

(B) "Zhejiang A regional number plate" passenger car related to peak travel provisions of the answer

1. What is the range of off-peak travel of "Zhejiang A regional number plate" minibus?

A: The range of off-peak travel is all roads in the current off-peak circle, including boundary roads (except Zijingang Road); As well as elevated roads and expressways (including ramps and affiliated bridges and tunnels) in the expressway around the city. Zijingang Road Tunnel, Zijingang Road South Tunnel, Zizhi Tunnel and Zhijiang Bridge are not included.

 

2. What are the elevated roads and expressways for "Zhejiang A regional number plate" passenger cars to travel in peak shifts?

A: At present, there are Liushi Elevated Road, Donghu Expressway, Jiubao Bridge, Tongcheng Elevated Road, Times Elevated Road, Zhonghe Elevated Road, Shangtang Elevated Road, Qiu Shi Elevated Road, Xixing Bridge, Fuxing Bridge, Qiantang Expressway, Desheng Expressway and Wenyi Road Tunnel.

3. What is the peak time of the "Zhejiang A regional number plate" passenger car?

Answer: The peak-shifting time of all elevated roads and expressways (including ramps and affiliated bridges and tunnels) in the expressway around the city is 6 hours from 7: 00 to 10: 00 and 16: 00 to 19: 00 on weekdays.

Other roads in the peak-shifting area have peak-shifting periods of 4 hours from 7: 00 to 9: 00 and from 16: 30 to 18: 30 on weekdays.

4. Is the tail number of the "Zhejiang A regional number plate" passenger car staggered or full-length?

A: No traffic is allowed in the whole section during peak hours.

5. I have a "non-Zhejiang A-plate" that has made an appointment to apply for transfer to the "Zhejiang A-plate" minibus. What are the measures for off-peak travel before obtaining the number plate?

A: After submitting the reservation application and passing it, before officially obtaining the number plate, the vehicle will travel at the wrong peak according to the "Zhejiang A regional number plate".

6. I have successfully completed the application for the transfer of Zhejiang A regional number plate and passed the examination. Will I be stopped and punished by the traffic police on the road?

A: After the application is successful, you may still be stopped for inspection by the on-site traffic police when you enter the "peak trip" area. Please take the initiative to cooperate with the traffic police on duty to check and show your application voucher records. After the on-site traffic police verify it, it will be released.

7. How does the "Zhejiang A regional number plate" minibus cross the river?

A: You can cross the river through Zhijiang Bridge, Qiantang River Bridge, the second floor of Fuxing Bridge, Wangjiang Tunnel and Qingchun Tunnel. The above bridges and tunnels are not restricted by peak-shifting travel.

8. How does the "Zhejiang A regional number plate" passenger car travel from the west of the city to Binjiang during peak hours?

Answer: The "Zhejiang A regional number plate" minibus can pass through Zizhi Tunnel, Zhijiang Bridge or around the west line and Zhijiang Bridge from the west to and from Binjiang. Special reminder: Zhijiang Bridge must pass through Binwen Road in the direction of Binjiang, because the Rainbow Expressway passes through the wrong peak.

(3) Answers to the relevant travel regulations of "non-Zhejiang A-plate" passenger cars

1. What is the range of off-peak travel of "non-Zhejiang A" passenger cars?

A: The peak shift range of the "non-Zhejiang A" passenger car is as follows: 

Specifically: all roads (excluding expressways and airport highways) in the enclosed area formed by East Lake Elevated-Tongcheng Elevated-Tonghui Road-03 Provincial Highway-Ring Expressway (south line)-Ring Expressway (west line)-Ring Expressway (north line), and all elevated roads and expressways (including ramps, attached bridges and tunnels) in the ring expressway.

2. What is the peak time of the "non-Zhejiang A" passenger car?

Answer: The peak-shifting time of all elevated roads and expressways (including ramps and affiliated bridges and tunnels) in the expressway around the city is 7: 00-10: 00 and 16: 00-19: 00 on working days;

Other roads within the range of off-peak travel are still at 7: 00-9: 00 and 16: 30-18: 30 on weekdays.

3. What are the elevated roads and expressways for the "non-Zhejiang A-plate" passenger cars to travel in the wrong peak?

A: At present, it includes Rainbow Expressway, Zhijiang Bridge, Zizhi Tunnel, Zijingang Road Tunnel, Zijingang Road South Tunnel, Liushi Elevated Road, Donghu Expressway, Jiubao Bridge, Tongcheng Elevated Road, Times Elevated Road, Zhonghe Elevated Road, Shangtang Elevated Road, Qiu Shi Elevated Road, Xixing Bridge, Fuxing Bridge, Qiantang Expressway, Desheng Expressway and Wenyi Road Tunnel.

4. What roads can be used for the "non-Zhejiang A-plate" minibus after 9:00 in the morning rush hour?

A: From 9: 00 to 10: 00, the elevated road and expressway are still in the peak-hour period, but the ground roads can pass. For those entering the core area, Moganshan Road can be selected in the north, Zhijiang Road in the south, Tianmushan Road, Wener West Road and Yuhangtang Road in the west, Desheng East Road, Genshan East Road and Zhijiang East Road in the east, and Qiantang River Bridge, Fuxing Bridge, Wangjiang Tunnel and Qingchun Tunnel can be selected when crossing the river.

5. Is the original "non-Zhejiang A-plate" passenger car "off-peak travel" measure adjusted in Xiaoshan District?

A: According to this adjustment.

(4) When will the officially released adjustment measures for "off-peak travel" be implemented, and are there any management considerations?

A: It will be officially implemented on March 1, 2021. In order to facilitate the masses and consider the adaptation period of citizens’ travel habits after the implementation of the New Deal, the public security traffic police department has set up a law enforcement transition period, that is, before May 1, the "non-Zhejiang A-plate" passenger car will not be punished for violating the peak travel regulations in the adjusted regional roads, as an educational reminder; Law enforcement management will be carried out according to the provisions of this notice from May 1st.

After the implementation of the measures, the navigation platforms will be docked to include this off-peak trip in the navigation reminder, and the off-peak trip signs will be set on the border roads. Here, I also hope that the majority of drivers can consciously abide by the off-peak travel regulations.

V. Supplementary explanations

(1) Interpretation form.

Text interpretation.

(2) Interpreting the subject.

1. Interpreter: Traffic Police Bureau of Hangzhou Public Security Bureau.

2. Interpreter: Chen Xuying.

3. Interpreter’s Tel: 0571-87282483.

Hangzhou bureau of public security communications police station    

January 20, 2021       

　　Today is World Hypertension Day. Hypertension is one of the most common chronic diseases, and it is the most important risk factor for the onset and death of heart disease, stroke and kidney disease. What is hypertension? What is the normal blood pressure range of human body?

　　The medical staff suggested that under the condition of not using antihypertensive drugs,Systolic blood pressure (high pressure) ≥ 140 mmHg (mmhg) or diastolic pressure (low pressure) ≥ Hypertension can be diagnosed when it is 90 mmHg..Family continuous standard blood pressure measurement 5-mdash; 7 days, average blood pressure ≥ 135/85 mmHg can be diagnosed as hypertension.It is recommended to see a doctor.

　　Zhang Huimin, Chief Physician of Hypertension Center, Fuwai Hospital, China Academy of Medical Sciences:First of all, we will check the patient and do a 24-hour ambulatory blood pressure. At the same time, we will do some corresponding tests, such as an electrocardiogram, a biochemical examination of blood, a urine routine and a blood routine. We will analyze whether he has heart, brain and kidney damage and whether there are some factors of secondary hypertension according to such circumstances.

　　At what level should the blood pressure of patients of different ages be controlled? According to medical staff, under normal circumstances,For patients younger than 65 years old, the blood pressure should be controlled below 130/80 mmHg, and for patients older than 65 years old, the average blood pressure should be controlled below 140/90 mmHg..

　　Zhang Weili, a researcher at the State Key Laboratory of Cardiovascular Diseases, Fuwai Hospital, China Academy of Medical Sciences:After a large number of epidemiological investigations, we found that many elderly people with long life have well controlled their blood pressure, and many of them are below 120/80. Therefore, the control of blood pressure must solve a misunderstanding. I can’t talk about the elderly. My systolic blood pressure is 150 or 160 mm Hg, and I don’t feel uncomfortable. In fact, under the guidance of a doctor, my blood pressure should be reduced to below 140/90 mm Hg.

　　Expert tip: Not actively intervening can lead to many diseases.

　　Medical staff suggest that hypertension is one of the most important chronic diseases that endanger human health. If it is not actively intervened, it can lead to functional or organic damage of various tissues and organs.

　　Hypertension is a chronic disease, which will eventually lead to health problems after years of development.The risk factors of hypertension include: diet with high sodium and low potassium, obesity and overweight, mental stress, drug action, smoking and drinking, high-fat diet and so on.

　　Ding Chunhua, Director of Cardiology Department of Space Center Hospital:Some of the most common symptoms of hypertension are that some patients feel dizzy and bloated, but some patients have no symptoms. He only found that his blood pressure is high during a health check-up, or when his blood pressure is occasionally measured, which should be paid special attention to.

　　Medical staff reminded: Adults aged 18 and above regularly monitor their blood pressure and measure their blood pressure at least once a year.

　　People with high risk of hypertension, such as overweight or obesity, high-salt diet, smoking, long-term drinking, long-term mental stress and insufficient physical activity, should regularly measure their blood pressure. Medical institutions should continuously monitor the blood pressure of residents over the age of 35 who have been diagnosed for the first time.

　　According to medical staff, cardiovascular and cerebrovascular deaths account for more than 40% of the total deaths in China, among which hypertension is the first risk factor.The hazards of hypertension include coronary heart disease, angina pectoris and even myocardial infarction, hypertensive heart disease, hypertensive encephalopathy, cerebral embolism, cerebral infarction, cerebral hemorrhage and renal failure.

　　Ding Chunhua, Director of Cardiology Department of Space Center Hospital:The heart, including this blood vessel, is equivalent to a power system, that is, a water pump carries blood vessels, and blood circulates in it. If hypertension occurs, the damage to blood vessels will gradually accumulate, and stenosis will occur. After stenosis, it will affect the blood supply of organs, and thus there will be functional failure.

　　Expert tip: The faster and lower the blood pressure is, the safer it is.

　　Some patients think that the sooner the blood pressure is lowered, the lower the better. In fact, this is also a misunderstanding in treatment. Medical staff pointed out that because blood pressure drops too fast and too low, it will also cause damage to the human body and cause danger.

　　According to medical staff, the stability of blood pressure in the human body can ensure a good blood circulation and the normal beating of the heart rate, so both high blood pressure and low blood pressure will have a certain impact on our body. Even cause danger. Therefore, the faster and lower the blood pressure is, the better and safer it is.

　　Zhang Huimin, Chief Physician of Hypertension Center, Fuwai Hospital, China Academy of Medical Sciences:If the blood pressure drops too fast, it will make the patient dizzy, and some patients even fall. We often have patients who say that after taking a large amount of medicine, they fall and stumble because of his low blood pressure. So our blood pressure needs to drop slowly, so generally speaking, we can reach the standard around a month.

　　In addition, it is also dangerous for some patients to take medicine intermittently and not take medicine because of low blood pressure.

　　Ding Chunhua, Director of Cardiology Department of Space Center Hospital:This will lead to the sharp fluctuation of blood pressure, which is even more unstable. Therefore, we suggest that if hypertension occurs, you should adjust it to an appropriate dosage, and it is best to use this drug for a relatively stable blood pressure reduction, instead of saying that I will take a little when I am high, and then stop when I am low, which will easily lead to some consequences, such as stroke as we said, and some damage to other organs.

　　Blood pressure is high in winter and normal in summer, and the dosage can be reduced conditionally.

　　High blood pressure in winter and normal or low blood pressure in summer are problems that plague many patients. So why is this happening? Can low blood pressure reduce dosage in summer? According to medical staff, if blood pressure is low in summer, antihypertensive drugs can be reduced, but there are conditions.

　　According to medical staff, blood pressure changes seasonally. High in winter and low in summer are related to climate change. Especially for patients with mild hypertension, in summer, their blood pressure will decrease, and they can keep normal without taking antihypertensive drugs, which can reduce the dosage. But there are conditions and some precautions.

　　Zhang Weili, a researcher at the State Key Laboratory of Cardiovascular Diseases, Fuwai Hospital, China Academy of Medical Sciences:If his blood pressure is below 120/80, it is controlled below 120/80 through lifestyle control, medication, etc., then it is still quite good after we closely monitor it for a few weeks at this time. Then, under the guidance of a doctor, we can reduce the amount or stop taking the medicine, but it does not mean that everything will be fine after stopping taking the medicine. We must also insist on measuring our blood pressure at home. Once it is high, we still have to go to the hospital.

　　On the afternoon of May 15th, () Co., Ltd. (hereinafter referred to as "Hangzhou Bank", stock code: 600926.SH) held a performance briefing for the year 2023 and the first quarter of 2024 through live broadcast on the whole network. Song Jianbin, chairman of Hangzhou Bank, Yu Liming, president, Changqing Li, independent director, Chen Lan, Pan Huafu, Zhang Jingke and Zhang Jianfu, vice presidents, attended the meeting.

　　At this briefing, Yu Liming said that in 2023, in the face of fierce market competition, Hangzhou Bank took the "2255" strategy as the guide, adhered to customer-centered, striver-oriented, strengthened digital intelligence empowerment, and achieved good business performance, achieving a steady development trend of rising comprehensive strength, remarkable business transformation and strong and solid management foundation.

　　In 2024, Hangzhou Bank will closely focus on the "2255" strategy, firmly adhere to the principle of quality and strict governance, adhere to the general tone of "striving for progress while maintaining stability", and strive to build a value-added chain and closed-loop management of customers, products, teams, risk control and operation supervision, so as to accelerate the creation of differentiated competitive advantages in market segments.

　　Next, let’s take a look at the key points of this performance briefing of Hangzhou Bank.

　　1. Optimize asset allocation and actively respond to the low interest rate environment.

　　Song Jianbin, chairman of Hangzhou Bank, said that in the face of low interest rate environment, on the one hand, Hangzhou Bank should focus on developing direct financing, supply chain services and digital services to improve the comprehensive income level of political and credit business. On the other hand, efforts will be made to improve the business model of Hangzhou Bank from three aspects: one is to expand the customer base of market segments, especially technology and finance business; The second is to improve risk control ability and expand sinking customers; The third is to enrich service functions, especially to improve non-credit services. In the future, Hangzhou Bank will focus on light capital and transactional business.

　　2. Regional advantages guarantee credit supply, and stable asset quality helps achieve the benefit goal.

　　President Yu Liming of Hangzhou Bank analyzed the operating performance of Hangzhou Bank and looked forward to the revenue and profit trend in 2024. He put forward five strategies of "promoting investment, optimizing allocation, reducing costs, expanding income and controlling risks" to ensure that Hangzhou Bank can achieve the growth target of benefit indicators in the new year. President Yu Liming pointed out that despite the double pressures of narrowing net interest margin and rising credit risk, Hangzhou Bank will strive to maintain the growth of operating income, total profit and net profit with a solid foundation and good development prospects.

　　In terms of credit supply, President Yu Liming said that Hangzhou Bank will take advantage of its outlets in the Yangtze River Delta, Pearl River Delta and other economically better regions to increase credit supply and strive to achieve the annual target of deposit and loan growth exceeding 100 billion. He also mentioned that Hangzhou Bank will optimize its asset allocation, especially in the fields of science and technology finance, credit micro-credit and universal micro-credit, so as to achieve optimal returns under controllable risks.

　　3. There is still downward pressure on interest margin, and the capital adequacy ratio has improved.

　　Zhang Jianfu, chief financial officer of Hangzhou Bank, made a comprehensive interpretation of key financial indicators such as credit arrangement, interest spread trend and capital adequacy. Director Zhang Jianfu first introduced three strategies of Hangzhou Bank’s credit lending in 2024: optimizing the lending structure while maintaining the total growth, balancing the quantity, price and risk, and optimizing the pace and regional layout. He pointed out that Hangzhou Bank plans to invest more than 100 billion yuan in credit, focusing on increasing the investment in manufacturing, green finance, science and technology, private enterprises, agriculture-related customers, and at the same time emphasizing the study of sub-sectors of the real economy and the grasp of credit opportunities.

　　When talking about the trend of interest margin, Director Zhang Jianfu analyzed the market situation of interest margin decline in 2023 and looked forward to the challenge of net interest margin in 2024. He mentioned that despite the pressure brought by the decline of LPR and changes in market supply and demand, Hangzhou Bank will mitigate the impact of the decline in interest margin by strengthening pricing management and asset allocation, and actively responding to market changes. Director Zhang Jianfu also mentioned that stopping manual interest payment will not only help standardize the market competition order, but also help reduce the interest rate of deposits, thus supporting the stability of net interest margin.

　　Regarding capital, Director Zhang Jianfu said that the improvement of capital adequacy ratio and core tier 1 capital adequacy ratio of Hangzhou Bank in the first quarter of 2024 was not only due to the positive impact of the new capital regulations, but also due to the bank’s initiative to adjust its asset structure and improve its capital endogenous capacity. He emphasized that Hangzhou Bank will improve the efficiency of capital use by optimizing the structure of assets and liabilities, promoting the strategy of light capital and deepening capital management.

　　4. The mortgage has picked up, and the "paid loan" retail consumer credit products will have new brands.

　　Vice President Chen Lan of Hangzhou Bank exchanged strategies and risk control measures in retail business with investors and analysts. She emphasized that in the current market environment, Hangzhou Bank has achieved steady growth in retail business through differentiated competition strategies. Vice President Chen Lan said that Hangzhou Bank has implemented the strategy of deep channel cultivation and branch pilot in mortgage business, and optimized the regional distribution structure. In 2023, the total amount of mortgage loans increased significantly, and its market share was improved. In terms of consumer loans, Hangzhou Bank adopted a steady and meticulous strategy of sinking customers, strengthened post-loan management and risk prevention and control through () integration, and effectively guaranteed asset quality. Facing the challenge of retail business, Vice President Chen Lan mentioned that Hangzhou Bank will adhere to the principle of "no risk for development" and enhance its risk prevention and control capabilities through refined management and big data risk control mode. At the same time, Hangzhou Bank will launch exclusive consumer credit products for different customer groups, such as a new brand of "paid loans" for working-class and new citizens, in order to realize the coordinated development of retail credit growth and risk stability.

　　5. Small and micro loans promote the sinking of customer base and create differentiated competitive advantages.

　　In the field of small and micro loans, Vice President Chen Lan emphasized the effectiveness of Hangzhou Bank in risk prevention and control, and realized the deep integration of marketing chain, operation chain and risk chain through the support of digital cloud platform. She revealed that by the end of 2023, the non-performing rate of micro-credit remained at a low level, showing the competitive advantage of Hangzhou Bank in the field of micro-credit. In addition, Vice President Chen Lan also mentioned the experience of the Small and Micro Credit Department in the sinking of inclusive finance’s customer base, and emphasized the importance of business planning, industry segmentation and customer base selection. She said that through industry segmentation research and customer visits, Hangzhou Bank can serve the local market more deeply and realize the sustainable development of its business.

　　6. Science and Technology Innovation Financial Business Model Iteration

　　Zhang Jingke, Vice President of Hangzhou Bank, said that Hangzhou Bank has successfully cultivated more than 300 listed companies, including 95 science and technology innovation board companies, since it established the Science and Technology Sub-branch in 2009. Vice President Zhang Jingke mentioned that although the links of investment and loan linkage in the current financial supervision system have not been fully completed, Hangzhou Bank is still actively exploring the science and technology financial service model, from the initial cooperation with the government to the cooperation with investment institutions, and then to the current "data+professional drive" model, Hangzhou Bank’s science and technology financial business model has been continuously upgraded and iterated. He emphasized that the core logic of Hangzhou Bank’s profit lies in growing together with customers, and achieved a good profit space through low capital cost, low non-performing rate and replicability of business model. Vice President Zhang Jingke explained that Hangzhou Bank not only established deep customer loyalty through early intervention and service for small and micro science and technology enterprises, but also obtained support in low-cost fund settlement, which supported the bank’s profit through lower capital cost when credit pricing could not exceed the market average. In addition, Vice President Zhang Jingke also mentioned that the risk control of Hangzhou Bank in the field of science and technology finance is in place, and the non-performing rate has remained at a low level for 15 years, which has provided a solid support for the bank’s profitability. He also emphasized the importance of team and organization building, pointing out that Hangzhou Bank has a professional team of more than 500 people, which has accumulated 15 years of experience.Become the most powerful competitiveness of Hangzhou Bank in the field of science and technology finance. Finally, Vice President Zhang Jingke said that in the face of changes in the market environment, Hangzhou Bank will stick to long-term, grasp its own pace of development, focus on technological innovation customers, and continue to maintain its leading position in the field of science and technology finance through innovation of products and services and optimization of risk control.

　　7. Asset quality is stable and controllable.

　　Pan Huafu, vice president of Hangzhou Bank, gave a detailed answer to the risk management problem. He said that the proportion of interest-related loans increased by 0.12 percentage points in the first quarter, mainly because the extension of a real estate project loan led to the downward shift of classification. He stressed that despite the increase in interest-related loans, the overall business structure and the total number of customers remained stable, and the proportion of interest-related loans was still at a low level among listed banks.

　　On the issue of the rising NPL ratio of real estate loans, Vice President Pan Huafu mentioned that the NPL ratio was mainly due to a project loan default of a real estate enterprise, but he said that the real estate loan risk of Hangzhou Bank was generally controllable, and put forward the concept of "three opposites" to illustrate the advantages of banks in real estate loans: relatively low proportion of real estate loans, relatively good area of real estate loan projects and relatively stable real estate customers as a whole. In other credit risk areas that investors are concerned about, Vice President Pan Huafu also responded one by one.