Special topic: picture channel

　　At 9: 30 am on October 13th, the case of Shanghai Yang Jia assaulting a police officer was opened in Shanghai Higher People’s Court. The picture shows the opening information of the case published on the electronic screen of Shanghai High Court. China News Agency issued Pansofi photo

　　Today (13th) morning, the Shanghai Higher People’s Court heard the case of Yang Jia assaulting a police officer in the second instance of the Fifth Trial Chamber. About 130 people from all walks of life attended the hearing, including Yang Jia’s father, Yang Fusheng, and menstruation Wang Jingrong, and more than 30 journalists, including several Hong Kong media, also attended the hearing.

　　The lawyers defending Yang Jia are Zhai Jian, director of Shanghai Zhaijian Law Firm, and Ji Jianqing, lawyer of Shanghai Branch of Beijing Dacheng Law Firm. It is understood that Zhai Jian is good at criminal defense. In 2005, he won the title of national excellent lawyer, and in 2007, he ranked first in the first "Oriental barrister" selection. Sitting on the prosecutor’s seat are Ji Gang, director of the Public Prosecution Department of the Shanghai Municipal People’s Procuratorate, and other prosecutors.

　　At 9: 30, the presiding judge Wei Xu announced the trial.

　　With the deepening of the trial, the bloody scene that happened in Shanghai Zhabei Public Security Bureau on July 1 this year reappeared in front of people.

　　Cruel killing

　　At 9: 40 this morning, Yang Jia took eight beer bottles filled with gasoline and dropped two (unburned) beer bottles next to the gate of Zhabei Branch on Tianmu West Road, and threw five bottles at the flower bed on the west side of the gate, which burned and caught fire. After the security guard saw it, he immediately went to stop and organize the fire fighting. Yang Jia also threw a beer bottle at the security guard. While the security guard was fighting the fire, Yang held a 29-cm-long single-edged boning knife and wore a dust mask, and ran into the building through the convenience service channel of the branch office.

　　After entering the door, I saw the security guard Gu Jianming on the phone, and Yang Jia slammed his head with the handle, causing Gu’s head to be lacerated. Subsequently, Yang Jia attacked the policemen Ni Jingrong, Fang Fuxin, Zhang Yijie and Zhang Jianping at work in different places, such as the lobby aisle on the ground floor and the public security duty room, with a knife in one hand and tear gas in the other. The live TV surveillance video broadcast by the court clearly shows that in just 7 seconds, all four policemen caught off guard were stabbed to the ground.

　　Soon, Yang Jia broke into the south fire stairs from the first floor and climbed to the ninth floor. When he met Xu Wei, a policeman, Yang launched a sudden attack on Xu with a knife, and Xu fell to the ground after being stabbed in many places. Later, Yang ran to the 10th floor, raised his knife and stabbed Wang Lingyun, a policeman he met, causing injuries to Wang’s right shoulder and chest. Then, Yang ran up to the 11th floor and met Li Ke, a policeman. He stabbed Li Ke several times, and Li Ke’s chest and abdomen were hit hard. After that, Yang Jia ran to the 21st floor along the fire stairs and stabbed Wu Yuhua, a policeman waiting for the elevator. After being injured, Wu Yuhua called loudly to remind his colleagues to pay attention, while returning to the office to find counterattack weapons. Lin Wei and Li Wei, policemen who are working indoors, immediately got up and prepared to round up. Yang Jia broke into the office and rushed to Lin Wei waving a dagger. Lin Wei took advantage of the opportunity to hold the office chair and struggled to resist. Kong Zhongwei, a policeman next door, rushed in when he heard the news and hugged Yang Jia regardless of his body. Kong Zhongwei, Li Wei, Lin Wei, Wu Yuhua, and the policemen Chen Wei, Rong Kanmin and Huang Zhaoquan Qi Xin who arrived later worked together to hold Yang Jia firmly against the corner with an office chair, seize the weapon in his hand and subdue the ferocious Yang Jia.

　　The sudden tragedy eventually caused six deaths and four injuries to police and security guards.

　　In court, Yang Jia replied "unclear" or "can’t remember clearly" to the prosecutor’s questions about his murder process on July 1.

　　And the following words of lawyer Zhai Jian’s emotional questions and Yang Jia’s indifferent questions and answers made the audience ring with a buzz.

　　"Six fresh lives have died because of you. Do you think you have gone too far now?"

　　"Not too much!"

　　"Do you feel guilty?"

　　"Don’t be embarrassed!"

　　What makes Yang Jia so crazy and cruel?

　　Did the police ever beat Yang Jia?

　　According to the information provided by the police, on the evening of October 5, 2007, when Yang Jia rode an unlicensed bicycle through the Pushan intersection of Zhijiang West Road in Zhabei District, he was searched by the patrolling police of Zhijiang West Road Police Station. Yang was taken to the police station for further investigation because he refused to show his identity document and provide proof of the source of the bicycle he was riding, which caused the public to watch and affected the traffic. After finding out his true identity and bicycle rental, the police released Yang after patiently educating him, although he did not cooperate during the interrogation and repeatedly insulted the police, which hindered the normal law enforcement of the police. Afterwards, Yang repeatedly complained to the supervision department of the Municipal Public Security Bureau and Zhabei Public Security Bureau through letters and visits, e-mails, etc., and put forward unreasonable demands for dismissing the relevant police officers and compensating them for 10,000 yuan of mental damage compensation, arguing that he should not be investigated. In this regard, the police believe that the police’s law enforcement is well-founded and there is nothing improper. The inspector detachment went to Beijing twice to publicize the legal system and persuade Yang Jia, but Yang ignored them.

　　In the court, the law enforcement process recorded by the on-site police with a voice recorder was broadcast for 36 minutes. Although the background was noisy, the patient persuasion of the police and Yang Jia’s violent impulse were still like people. A live video broadcast by the court at the gate of the police station on Zhijiang West Road shows that several policemen took Yang Jia, who was active at the gate, to the back room. According to the testimony of several policemen, they were afraid that Yang Jia would run away because the case had not been ascertained. Yang Jia insisted that he was "carried into the back room by seven or eight policemen, fell to the ground, punched and kicked for two or three minutes, and his body was bruised in several places, and his clothes and trousers were torn and stained".

　　But then the prosecutor produced an e-mail complaint letter sent by Yang Jia to the Shanghai Public Security Bureau shortly afterwards, which did not mention the fact that he was beaten by the police at all. Yang Jia said that some of the contents of this email were not written by him.

　　The application for a new psychiatric evaluation was rejected.

　　On July 5, the Shanghai police entrusted the Judicial Appraisal Center of the Institute of Judicial Appraisal Science and Technology of the Ministry of Justice to conduct a judicial psychiatric appraisal of Yang Jia. The judicial appraisal book concluded that Yang Jia was "not mentally ill and had full criminal responsibility".

　　Defense lawyers and prosecutors have had a heated debate about whether Yang Jia has mental illness and whether it is necessary to re-evaluate his mental health.

　　Lawyer Zhai Jian believes that Yang Jia has abnormal performance and paranoid personality disorder from the aspects of cognition, impulse control, communication and emotion. Especially in 2006, he had a conflict with the police in Taiyuan, Shanxi Province, which caused three broken front teeth, bloodshot fundus and mild concussion, which probably induced abnormal brain activity. Moreover, the psychiatric appraisal done in July was only two days in time, which was a bit hasty. Therefore, he suggested that Yang Jia should be given another spiritual appraisal to show the fairness and justice of the law.

　　Prosecutor Ji Gang believes that Yang Jia’s judicial spirit appraisal is very cautious and scientific. If there is no newly discovered evidence, there is absolutely no need to re-appraise.

　　Yang Jia showed indifference in court today, so that the presiding judge once interrupted the trial and solemnly told Yang Jia, who was sitting in a chair, "Please pay attention to your sitting posture." Yang Jia said, "I personally think my spirit is normal."

　　The court subsequently announced that "the lawyer’s request for re-evaluation of Yang Jia was not sufficient and was rejected".

　　In the final statement, Yang Jia still has no remorse and thinks that he has been law-abiding and innocent for decades.

　　The trial lasted until 6: 30 pm. The court finally announced that the case would be pronounced on another day. (Reporter Liu Jian)

Editor: Wang Jiaolong

The hot weather has been going on all over the country for many days. Such heat, even if you just stand still in the sun, will soon break out in a sweat. But there are still many people who stick to their jobs at high temperatures. Protect the safety, traffic, communication, sanitation and greening of the city … Thanks to them, let our life be as usual.

A few days ago, the 2024 National Rowing Championship was held in Sichuan Water Sports Management Center. A total of 40 athletes from Hubei Province participated in 8 events with 9 boats, and successfully won 5 gold medals. The total number of gold medals ranked first in this national rowing championship, and 17 athletes were selected for the new national rowing team.

This tournament is the highest-level rowing single event in China this year. According to Group A and Group B (U23), there are 28 events including single, double, four and eight.

In the men’s single sculls final of Group B (U23), john young won the first gold medal for Hubei. In the women’s four-person single paddle event in Group A, Wu Yongmei, Lin Xinyu, Ju Rui and Yang Rongrong easily won the laurels with their superb skills; In the men’s four-person single paddle event in Group A, members Li Wenlei, Zhang Lutong, Sun Lu and Zheng Yaming struggled to win the gold medal easily. In Group B (U23) women’s quadruple sculls, the players Wang Yutong, Lu Ming, Li Yimeng and Zhao Liangyu dared to fight and live up to expectations, and then won the gold medal.

At the finale of the men’s eight-person single-oar helmsman event in Group A, Hubei players Cao Chuang, Liu Hao, Li Chun, Zhang Maolin, Yang Yue, Cong Sheng, Liu Dang, Shen Yushuang and Song Jiayi cooperated tacitly and fought hard, and finally won the gold medal.

The person in charge of Hubei Aquatic Center said that the competition in this national rowing championship was fierce. Although the Hubei team achieved more than expected results, the competition was over and everything was started all over again. Next year’s National Games will be the final test of this cycle, and the time is tight and the task is heavy. Next, the water center will comprehensively analyze and summarize the shortcomings, and put it into the winter training as soon as possible, go all out, adjust the state, and constantly improve the special skills to lay a solid foundation for the National Games.

The competition was hosted by the Water Sports Management Center of the State Sports General Administration, China Rowing Association and Sichuan Provincial Sports Bureau, and was undertaken by the Xinjin District People’s Government of Chengdu, Sichuan Water Sports Management Center and Sichuan Rowing and Kayaking Association. (From China Sports Daily, 02 edition, October 11th)

　　Xinhua News Agency, Zhengzhou, January 4th, New Media Specialist (Reporter Ma Yizhen) In response to the recent online incident of "Henan college students marrying classmates’ mothers", Weibo, the official of Henan Provincial Public Security Bureau, released a message saying that similar rumors have been spread in many places for several years and are false news.

　　Recently, a news that "Henan college students marry classmates’ mothers" attracted attention on the Internet. According to the news, a handsome 21-year-old college student married a 55-year-old divorced middle-aged aunt in a hotel in Henan. Incredibly, this middle-aged aunt is actually the biological mother of the groom’s college classmates.

　　The news also said, "It turns out that the truth behind the incident is actually like this. The groom is young and handsome, while the bride looks very young at the age of 55, just like a young girl in her twenties … …”

　　After testing, it is found that there have been similar articles since 2013, involving different places such as Guangzhou, Wuxi and Pingtan, and the pictures are the same, the story is the same, and most of the words are the same. These articles all mention that classmates and mothers use some kind of skin care products, carry out beauty treatment and so on.

　　Some experts in journalism and communication believe that, in view of the proliferation of fake news, a governance and restraint mechanism should be established, and strict control and strict investigation should be carried out through legal and administrative penalties.

　　Bright picture

　　[educational perspective]

　　The epidemic has caused many inconveniences in finding jobs.

　　For most college students who will graduate in 2020, COVID-19, an unfamiliar word, will be engraved in their memories along with their tortuous job hunting experience. Because of the development of the epidemic in COVID-19, in order to protect students’ health and life safety and prevent the spread of the epidemic, the national education administrative departments and universities have taken emergency measures to limit the flow of personnel, and all kinds of campus recruitment activities have been suspended.

　　According to the practice of previous years, the coming March and April was originally the peak period for fresh college students to apply for jobs and sign contracts, but because of the epidemic, the employment and recruitment activities of college students were silent this spring.

　　The superposition of all these unfavorable factors undoubtedly affects the job selection of college graduates and the selection of talents by employers, which invisibly increases the pressure of college students’ employment.

　　For China’s economic development, the impact of the COVID-19 epidemic on the economy is bound to have a chain reaction, which will be transmitted and reflected in the employment sector — — Not only the temporary communication difficulties between graduates and enterprises and the inability to carry out recruitment activities, but also the demand for employers may be reduced. Of course, some industry sectors, such as medical and health care, environmental engineering, chemical technology and other employment needs are likely to increase.

　　The interview and employment pressure of job-seeking students has increased sharply. The silence in March and April, the peak of job hunting, dealt a heavy blow to college students’ employment signing. Because some students and employers have drawn up their initial intentions and need to go to the employer for an interview, but now the unit can’t operate normally, students can’t go out, and the recruitment and interview plans of some companies have also changed, and students are in a dilemma.

　　Stuck by the time limit, students who are pursuing further studies are in a dilemma. The postponement of the re-examination of the postgraduate entrance examination has a great influence on students. The uncertainty of whether they can pass the initial examination and whether they can be admitted after the re-examination makes most postgraduate students anxious, fearing that they may miss favorable employment opportunities after falling out of the list.

　　At the same time, taking into account epidemic prevention and employment, colleges and universities are facing multiple tests. Up to now, due to the pressure of economic adjustment, the employment rate of graduates who originally signed up to implement employment units is not optimistic. The arrival of the epidemic has made colleges and universities more pressure on epidemic prevention and teaching adjustment under the new situation than before, and the pressure on subsequent employment guidance has undoubtedly increased accordingly. The impact and impact of these pressures on local colleges and universities with the majority of local students will be less than those with scattered students’ origin and employment destination.

　　To cope with the pressure of employment, take many measures to promote Qi Li.

　　Employment must be promoted by the government, universities, employment enterprises and units, giving full play to their respective advantages in resources, channels and experience. As for the universities directly facing the above employment pressure, how to deal with this year’s new situation?

　　Colleges and universities should not panic when they serve college students’ employment under pressure.At present, we can see that under the decisive and correct decision-making and leadership of the CPC Central Committee, the understanding of COVID-19 has gradually deepened, and the fight against the epidemic has achieved initial results. The confirmed cases and suspected cases in high-incidence areas have been running at a low level, and the epidemic situation in most areas has been effectively controlled. I believe that with the support and encouragement of various supporting policies of the state, all economic construction activities will be carried out in an orderly manner. This is the biggest good news for economic activities directly related to employment.

　　College students start job hunting and employment rationally and calmly.Then, after the epidemic is controlled, the employment activities of college students that have been temporarily suspended will be restarted, and the suppressed demand for employment will be released again. Therefore, for colleges and graduates, they should gradually become rational, sober and brave from the initial panic, anxiety and sorrow, and there is no need to panic at all. They should have full confidence and calmly and objectively carry out the employment work during the epidemic period according to the arrangement of the national education administrative department.

　　Enterprises should promptly strengthen the organization of online employment recruitment activities.Before the epidemic has been completely controlled, in order to prevent large-scale gathering of people, the on-site recruitment activities of various college graduates have been suspended. In this case, colleges and universities should vigorously promote the development of online employment activities, and guide more enterprises to organize more online recruitment activities in a planned way to provide graduates with job opportunities; Students can get job information and enjoy online employment services by browsing national and provincial employment platforms, university employment networks and social recruitment websites.

　　Multi-party cooperation to explore innovative employment channels.Colleges and universities should take the initiative to coordinate relevant parties and further organize and implement grassroots projects such as the special post teacher plan, the university student village official, the three supports and one support, and the university student volunteer service plan for the western region; Encourage college students to join the army and serve national defense; Further implement preferential policies such as tuition subsidy for grassroots employment and encourage graduates to work and start businesses at the grassroots level; Establish a docking platform for school-enterprise cooperation and strengthen the docking of talent supply and demand in key areas, major projects, major projects and important fields; Further explore the employment opportunities created by the deep integration of the Internet, big data, artificial intelligence and the real economy, and support graduates to achieve multi-channel employment; Call on employers to hold campus job fairs, take recruitment tests exams, receive graduates’ resumes and practice training through the Internet and other more flexible ways.

　　Focus on strengthening the focus on helping students from difficult families.Colleges and universities must actively design and provide one-on-one assistance to poor family graduates, physically disabled graduates and other groups, and carry out targeted job promotion. It is urgent to form a team of relevant university leaders, fully grasp the latest trends of students, regional economy and professional fields, open a hotline for employment consultation and help, and develop a number of online employment guidance courses to do a good job in promoting graduates’ employment, enterprise docking and psychological counseling.

　　The epidemic will eventually pass. As long as all parties face it confidently, calmly, optimistically and scientifically, with the overall victory in the fight against the epidemic, the employment situation of college graduates in 2020 will certainly improve and usher in "spring"!

　　 (Author: Zong Cheng, a postdoctoral fellow at China Academy of Educational Sciences)

　　BEIJING, Beijing, June 14 (Reporter Du Yan) Today, the Beijing Municipal Bureau of Human Resources and Social Security released a centralized adjustment plan for relevant social security benefits in Beijing in 2019, including pensions for enterprise retirees, basic pensions for urban and rural residents and welfare pensions, and regular treatment for work-related injury insurance, benefiting nearly 3.5 million people in the city.

　　Beijing issued a centralized adjustment plan for social security benefits in 2019, including pensions for enterprise retirees, basic pensions and welfare pensions for urban and rural residents, and regular treatment for work-related injury insurance. Photo courtesy of Beijing Human Resources and Social Security Bureau

　　Pensions for retired employees were paid in place on June 15th.

　　According to national requirements, since January 1, 2019, Beijing has continued to adjust the basic pension for enterprise retirees (including those who have retired and retired), with an increase of about 5%. After the adjustment, the per capita growth will be around 220 yuan, and the average pension level will reach 4,157 yuan per month, which is the 27th consecutive increase of enterprise retirees’ pensions in Beijing.

　　It is understood that the basic old-age insurance for enterprise employees in Beijing operated smoothly in 2018. In that year, the fund income was 234.24 billion yuan, the expenditure was 146.39 billion yuan, and the balance was 87.85 billion yuan.

　　This adjustment is aimed at retirees who have gone through retirement procedures and received monthly pensions before the end of 2018. It is expected to benefit 2.57 million people, and the pensions will be reissued from January this year and distributed to the retirees of enterprises on June 15.

　　It is reported that this adjustment will ensure that those with low level of treatment can appropriately increase the basic pension by adopting the way of high-profile for the lowest and low-key for the highest. At the same time, in order to give consideration to fairness, if a few retirees are lower than the next file after adjusting their pensions in absolute amount, the difference will be made up.

　　Appropriately tilt to senior retirees.

　　For retirees with early retirement time and older age, since 2007, Beijing has been moderately inclined to senior retirees when adjusting the basic pension for enterprise retirees. In 2019, we will continue to adhere to this practice, and the senior retirees who have reached the age of 65 or above before the end of 2018 will once again enjoy the four grades of preferential policies from 40 yuan to 70 yuan after adjustment according to the above-mentioned basic pension adjustment methods. That is, retirees aged 65 to 69 will increase their 40 yuan every month; 70 to 74 years old, each person will increase 50 yuan every month; Each person aged 75 to 79 will add 60 yuan every month; 70 yuan will be increased every month for each person over 80 years old.

　　On this basis, for retirees over 65 who have paid for 30 years, the 5 yuan will be increased every month, so as to reflect the further preference for retirees with early retirement time, continuous service and long payment period.

　　Beijing issued a centralized adjustment plan for social security benefits in 2019, including pensions for enterprise retirees, basic pensions and welfare pensions for urban and rural residents, and regular treatment for work-related injury insurance. Photo courtesy of Beijing Human Resources and Social Security Bureau

　　Separate adjustment of retirement benefits for old workers who participated in revolutionary work before the founding of New China.

　　At present, the old workers who participated in revolutionary work before the founding of New China are generally over 80 years old, and the state stipulates that they can enjoy 100% retirement benefits. This adjustment will still be made according to the previous year’s method, that is, those who participated in the revolutionary work from July 7, 1937 to September 2, 1945 will receive an increase of 365 yuan per person per month; Those who took part in revolutionary work from September 3, 1945 to September 30, 1949 received an increase of 335 yuan per person per month. On the basis of the adjustment of the above two standards, they also enjoy the preferential policy for senior retirees, and this adjustment is generally increased by 405 to 440 yuan/month.

　　At the same time, it is guaranteed that the retired military cadres, former industrial and commercial personnel and senior professional and technical personnel of enterprises will not be lower than the average level of pensions in the city after adjustment. If the basic pension of the above-mentioned population is lower than the adjusted average pension level of the whole city of 4157 yuan/month, it will be replenished to the average level. At the same time, senior retirees who have reached the age of 65 or above before the end of 2018 also enjoy the preferential policy for senior retirees.

　　According to the national regulations, those who retire from Beijing institutions before the end of 2018 will also adjust the basic pension according to the combination of quota adjustment, hook adjustment and appropriate tilt, and will be paid in place before the end of June.

　　More than 880,000 urban and rural residents have increased their pensions in 100 yuan every month.

　　According to national requirements, Beijing will continue to implement the normal adjustment mechanism of basic pension and welfare pension in 2019. From January 1st this year, these two pension standards will be adjusted, and the 100 yuan will be increased per person per month for the groups enjoying basic pension and welfare pension. This treatment adjustment has benefited 888,800 urban and rural residents and is expected to be distributed before the end of June.

　　According to reports, those who have received the basic pension of urban and rural residents’ basic old-age insurance and the old-age security welfare pension before December 31, 2018 will adjust the old-age security treatment standard for urban and rural residents from January 1, 2019, and increase the 95 yuan per person per month; In order to further reflect the preferential policy for the elderly, 10 yuan will be added to those who have reached the age of 65 or above before December 31, 2018. The per capita basic pension for those who have received benefits has reached 810 yuan, and the per capita welfare pension has reached 725 yuan.

　　In addition, since January 1, 2019, those who are eligible to receive basic old-age insurance benefits for urban and rural residents on a monthly basis will have a basic pension standard of 800 yuan per person per month; The old-age security welfare pension standard is 715 yuan per person per month.

　　Continue to adjust the regular treatment of industrial injury insurance.

　　According to the regulations of the state, since 2001, the disability allowance for those who have been disabled due to work-related injuries and the pension for the dependent relatives of those who have died due to work have been adjusted year by year in Beijing.

　　This year, Beijing will continue to adjust the regular treatment of work-related injury insurance. The scope of adjustment is for work-related injuries (excluding retirees receiving basic pensions) who enjoyed disability allowance before December 31, 2018 (inclusive), and workers and deceased people who enjoyed the pension for supporting relatives. It will benefit 15,000 people and will be implemented from January 1, 2019. The specific adjustment scheme is as follows:

　　According to the level of disability, each person will increase each month: the first level of disability will increase by 380 yuan, the second level of disability will increase by 360 yuan, the third level of disability will increase by 340 yuan, and the fourth level of disability will increase by 320 yuan. The employing unit shall increase the disability allowance for the five or six injured workers who have not arranged for work, and the increase per person per month shall not be lower than that in 200 yuan.

　　Adjust the pension for dependent relatives. The adjustment of the pension for dependent relatives of workers and deceased persons will increase 200 yuan per person per month. (End)

The year 2023 is of great significance to the drugs for autoimmune diseases and even to the global innovative drug market. With the expiration of patents in key markets, Hummel (adalimumab) will officially hand over the title of global sales champion for 11 years, and the first generation of "drug king" will officially end.

Due to the complex pathogenesis, the number of patients with autoimmune diseases is large and it is difficult to cure. The long-term or even lifelong demand for drugs has spawned a huge market for autoimmune drugs, which has become a hotbed for the growth of heavy drugs.

Under the demonstration effect of "drug king", major pharmaceutical companies around the world have been scrambling for layout in recent years. At present, breakthroughs have been made in the development of new drugs for potential targets such as JAK and interleukin, and the free drug track is expected to usher in a new round of competition. Local innovative drug companies try to gain a place in the domestic free drug market through differentiated distribution of indications and continuous optimization of safety.

The market for self-exempted drugs continues to grow steadily.

Autoimmune system diseases refer to diseases caused by immune response to autoantigens and self-tissue damage. Genetic defects and environmental factors are all important links in inducing autoimmune diseases. The complex disease mechanism leads to a wide variety of autoimmune diseases and a large patient base. At present, there are more than 100 known main disease types, including psoriasis, atopic dermatitis, compulsory spondylitis, rheumatoid arthritis and systemic lupus erythematosus.

As a chronic disease, autoimmune diseases usually do not directly kill people, but it is also difficult to cure them. Such as compulsory spondylitis, systemic lupus erythematosus, etc., once suffering from it, it will be difficult to reverse, which is called "undead cancer". Patients need long-term or even lifelong medication, thus giving birth to the long-term and stable growth of market demand for self-immune drugs.

Based on the financial report data of major pharmaceutical companies, in 2022, there were 22 self-disease-free drugs in the list of TOP100 drugs with global sales scale, of which 10 drugs exceeded $3 billion and the total sales exceeded $70 billion.

According to the statistics of AARDA, patients with autoimmune diseases account for 7.6%-9.4% of the global population in recent years. Jost Sullivan’s statistics show that there are nearly 500 million patients with various kinds of self-immune diseases in the world, and the global self-immune drug market will reach about 132.3 billion US dollars in 2022, which has become the second largest disease market after cancer.

Jost Sullivan predicted that by 2030, the global self-exempted drug market is expected to reach US$ 176 billion, with a compound annual growth rate of 3.6% from 2022 to 2030. Among them, the self-exempted drug market in China is expected to reach nearly US$ 25 billion in 2030, a tenfold increase compared with 2020, which is an important incremental source of global self-exempted drugs.

The "King of Medicine" made a curtain call, and new drugs rose one after another.

Treatment strategies for autoimmune diseases include inflammation alleviation and immunosuppression. Although non-steroidal anti-inflammatory drugs, corticosteroids and anti-rheumatic drugs have good anti-inflammatory effects, they are difficult to fundamentally stop the development of the disease, and they are easy to relapse after stopping taking drugs. However, traditional non-selective immunosuppressants such as cyclosporine and methotrexate are not only slow to take effect, but also lead to a higher risk of cancer. As new immunosuppressants, bio-targeted drugs can selectively suppress the immune system, ensuring the safety while improving the curative effect, which is the most promising.

Hummel is a fully humanized monoclonal antibody against TNF-α developed by AbbVie Company, which was approved by FDA in 2002 for the treatment of rheumatoid arthritis. Because of its remarkable efficacy and safety in the treatment of self-immune diseases, Hummel’s indications have been expanding since its listing, and it has gradually become the highest-selling self-immune drug, and ranked first in global drug sales in 2012. Since then, through a series of marketing and patent strategies, AbbVie has made great efforts to extend the life cycle of Hummel, and promoted the drug to become the "drug king" in the world for ten consecutive years, with accumulated sales exceeding 200 billion US dollars since its listing.

With the official expiration of the patent in the United States in 2023, the market share of self-exempted drugs controlled by Hummel was quickly robbed by many similar biological drugs. According to AbbVie’s third quarterly report in 2023, nearly 10 biologically similar drugs have entered the market. As a result, the cumulative sales of Humele in the first three quarters of 2023 was only $11.1 billion, a sharp drop of 29.1% year-on-year. Nature Reviews Drug Discovery, a well-known medical journal, predicts that the annual sales of Hummel in 2023 will be about $13.6 billion, less than 60% of Keytruda of Top1, and the first generation of drug kings will soon "abdicate".

Corresponding to the curtain call of "King of Medicine", many innovative drugs with potential targets have risen rapidly, and a new generation of heavy drugs is coming out.

According to the global sales forecast of innovative drugs in 2023 recently released by Nature Review of Drug Discovery, the sales of self-immune biological agents Dupixent and Stelara, which target IL-4/IL-13 and IL-12/IL-23 respectively, have increased rapidly, and it is estimated that they will rank among the Top10 with sales of more than 10.6 billion US dollars.

Abbey, the owner of Hummel, is also actively looking for the next generation of self-free drugs. The sales amount of oral JAK1 inhibitor Rinvoq (upatinib) and IL-23 monoclonal antibody Skyrizi (risazhuzumab) under the company has increased rapidly in recent years. In 2022, the total sales revenue has exceeded 7 billion US dollars, and the growth rate is higher than 50%. Abbway predicts that by 2027, the combined sales revenue of these two drugs is expected to exceed the sales peak of Hummel’s $20 billion.

Domestic pharmaceutical companies compete for the next potential target.

Compared with the highly competitive innovative cancer drugs, the number of participants and innovative drugs in the self-exempt drug market is still relatively limited, and the overall market competition pattern is good. However, the huge unmet clinical needs and the continuous improvement of the diagnosis rate in China have also attracted more and more domestic innovative pharmaceutical companies to enter the drug-free track, and tried to gain a competitive advantage by virtue of differentiated layout potential targets and occupy a place in the domestic market.

So far, the targets of self-immune targeted drugs mainly focus on TNF-α, JAK, interleukin and BlyS, and the main indications are common rheumatoid arthritis, psoriasis, systemic lupus erythematosus and so on. Among them, targeted TNF-α drugs are the most classic targeted drugs for autoimmune diseases because of their early market time, mature targets and the widest range of indications. However, this track has basically been controlled by foreign-funded enterprises, and the development space of local manufacturers that follow is relatively limited. Domestic innovative drug companies have turned their research direction to JAK, interleukin and other targets.

Interleukin and its receptors are important target families in human immune regulation, and play an important role in various immune and inflammatory reactions. Psoriasis is the main indication of interleukin targeted drugs at present, and some targeted drugs have been proved to be safer than TNF-α antagonists in certain circumstances.

At present, the effective interleukin-targeting drugs listed in the world include tosilizumab targeting IL-6, ulinuzumab targeting IL-12/23, skukiyuzumab targeting IL-17A and gusechizumab targeting IL-23. Among domestic enterprises, Hengrui Pharma (600276.SH), Zhixiang Jintai (688443.SH) and Kangfang Bio (09926.HK) all have approved the listing of interleukin-targeted biological agents, and Quanxin Bio (01883.HK), Livzon Group (000513.SZ), Junshi Bio (688180.SH) and Cinda Bio.

JAK signaling pathway plays a very important role in autoimmune, tumor, hematological and other diseases, and it is one of the promising potential targets. Because the first generation of JAK inhibitors showed great toxic and side effects in the treatment process, the main research and development direction of major pharmaceutical companies is the second generation of JAK inhibitors targeting JAK1, JAK3, TYK2 and other targets with high specificity.

In clinical trials, the second generation JAK inhibitors have shown good data in terms of safety and efficacy. Among them, Upatinib, a JAK1 inhibitor listed by AbbVie, showed a better key remission index under the same safety in the head-to-head experiment of treating rheumatoid arthritis and adalimumab. In the first three quarters of 2023, the sales amount of Upatinib has reached US$ 2.71 billion, exceeding the annual performance in 2022. AbbVie expects that the drug is expected to achieve sales of more than $7.5 billion in 2025.

In view of the good performance of this target, the research on JAK-specific subunits has become one of the important directions of global innovative drug companies. Among domestic enterprises, Hengrui Pharma, Dizhe Medicine (688192.SH) and Nuocheng Jianhua (688428.SH) are in the top of the research and development progress. Among them, Nuocheng Jianhua recently disclosed that its TYK2 inhibitor ICP-488 under research has completed the first clinical administration for psoriasis patients in Phase II. ICP-332, another self-immune drug with the same target, disclosed the second phase clinical data of moderate and severe atopic dermatitis indications in December 2023. Orient securities believes that domestic JAK-targeted self-immune drugs are expected to achieve rapid volume increase after marketing through differentiated distribution of indications and optimized breakthrough in safety.

BlyS is one of the key factors in the differentiation and maturation of B lymphocytes, which is the most important effector cell of autoimmune diseases. By inhibiting BlyS, many autoimmune diseases can be treated. At present, there are two BlyS inhibitors on the market, namely, GlaxoSmithKline’s Beliyuzumab and Rongchang Bio (688331.SH)’ s Tatasip. The main indications are systemic lupus erythematosus, and the market structure is good.

Tetasip is an innovative drug of BLyS/APRIL dual-target fusion protein independently developed by Rongchang Bio. Clinical data show that the drug has the same level of efficacy and safety as Belizumab. In 2021, National Medical Products Administration conditionally approved Tatasip for the treatment of adult patients with systemic lupus erythematosus, and included it in the 2022 edition of the National Medical Insurance Catalogue; In November, 2023, the treatment of Tatasip in this indication was fully approved.

Rongchang Bio is also continuing to promote the clinical research on other indications of Tatasip, and the research on many indications such as rheumatoid arthritis, Sjogren’s syndrome and multiple sclerosis has entered the final clinical stage. In August, 2023, Tatasip was used to treat patients with rheumatoid arthritis in Phase III, and submitted an application for domestic marketing. On December 20th, the global multicenter Phase III clinical IND of Tatasip in the treatment of active primary Sjogren’s syndrome in adults was approved by the FDA of the United States, and clinical research will be carried out in many countries and regions around the world. The continuous enrichment of the clinical pipeline of Tetasip is expected to consolidate the innovative product matrix of the company and promote the continuous growth of the company’s income.

Gree Electric vision china data map

Gree Electric’s extra year-end award of 200 million yuan is actually "a Gree G3 mobile phone for employees"?

On January 31, Gree Electric issued an official statement to clarify that the company was concerned about the false news circulating on the Internet, such as "On January 28, Chairman Dong Mingzhu said at the Gree 2024 Global Dream Festival that an extra year-end bonus of 200 million yuan was actually sent to Gree mobile phones".

Gree Electric mentioned two points in the statement: First, in order to better adapt to the company’s work software, facilitate mobile office work and improve work efficiency, the company decided to provide each employee with free work mobile phones (including free communication packages), which will be distributed in batches around the Spring Festival.

Second, the year-end bonus of 200 million yuan increased by the company has nothing to do with the free work mobile phone. The scope of the increased year-end bonus does not include middle and senior cadres, and the increased part is inclined to the front-line employees.

Gree Electric said that the company reserves the right to investigate the legal responsibility of media and individuals who spread rumors and rumors according to law.

Previously, a related person in Gree Electric said, "Fake, nonsense."

On January 28th, Dong Mingzhu, Chairman and President of Gree Electric, said at the Gree 2024 Global Dream Festival that her performance reached a new high last year, creating a profit of 29 billion yuan. At the same time, she also announced that she would "give employees an extra 200 million yuan for the year-end bonus".

However, while Gree Electric’s heroic 200 million year-end bonus has aroused widespread concern, there are also questions about this year-end bonus on the Internet.

On January 30th, there were rumors on the Internet that the 200 million year-end bonus was actually "one Gree G3 mobile phone for each person" and "giving employees more G3 mobile phones with a value of 200 million". Moreover, these G3 mobile phones "can’t be sold at the price of idle fish only around 300 yuan, but the company has issued 80,000 sets at a price of 3,599 yuan".

For these rumors, Gree Electric insiders told the media: "The fake, extra 200 million bonus is not deducted by G3 mobile phone, but a real year-end bonus."

Regarding the rumor that "Gree’s year-end award is deducted with points", Gree also said that "the year-end award is not issued in the form of points".

On the short video platform, some Gree Electric employees have already got their own year-end awards, which are divided into two parts: cash+points for products. The employee of Gree Electric’s subsidiary got a year-end bonus of 4,500 yuan in cash, and also exchanged the points for products such as rice cookers, health pots and electric fans, with a value of about 4,000 yuan.

At the Gree 2024 Global Dream Festival, Dong Mingzhu said that 2023 was the best year for Gree Electric since its founding 33 years ago, and the corporate tax revenue reached a record high. This achievement can not be separated from the hard work of every employee and the teamwork spirit.

Dong Mingzhu said that in order to let employees fully enjoy the fruits of the company’s development, he decided to give employees an extra 200 million yuan for the year-end bonus. At the same time, Dong Mingzhu also expressed the hope that the tax revenue for the country will exceed 20 billion in 2024.

Dong Mingzhu also said that Gree Electric doesn’t care about the stock price, because it doesn’t depend on the stock price to survive.

Previously, the performance forecast released by Gree Electric showed that the total operating income in 2023 is expected to be between 205 billion yuan and 210 billion yuan, up by 7.8% to 10.4% year-on-year; It is estimated that the net profit attributable to shareholders of the parent company will be between 27 billion yuan and 29.3 billion yuan, up 10.2% to 19.6% year-on-year; It is estimated that the net profit attributable to shareholders of the parent company after deducting non-recurring gains and losses will be between 26.1 billion yuan and 27.8 billion yuan, up 8.8% to 15.9% year-on-year.

As of January 31st, Gree Electric rose 0.28% to close at 35.25 yuan.

Image source: China Radio Network

CCTV News:"Family, less idle month, people twice as busy in June. At night, the south wind rises and the wheat is covered with yellow. " It’s the wheat harvest season in a year. Under the blue sky in the distance, golden wheat waves are surging. The newly harvested wheat is ground into fragrant flour and enters the kitchens of various households. ……

One out of every eight steamed buns eaten by more than 1.3 billion people in China comes from the wheat variety "Bainong Aikang 58", which is known as "the first wheat in Huanghuai". It is "Mai Da" Ru Zhengang who successfully cultivated this new wheat variety. He is the vice president of the School of Life Science and Technology of Henan University of Science and Technology, the director of the Henan Hybrid Wheat Engineering Technology Research Center, and the chief expert of wheat disease and pest resistance breeding in Henan Province.

Ru Zhengang often said: "As an agricultural science and technology worker, you can’t help farmers increase production and income. You are nothing!" His lifelong aspiration is to fill the granary of China with the power of science and technology.

Change the world with a "go against the sky wheat seed"

Food is scarce and farming is difficult. These childhood memories make Ru Zhengang have an indescribable feeling for wheat. He has always had a "wheat dream", "We must have enough food in Chinese, and the granary is full of our own wheat".

In 1981, Ru Zhengang, who graduated from agronomy, was selected by Professor Huang Guangzheng, a national expert who was famous in the breeding field at that time and won the second prize of national invention, and "pulled into" the breeding industry. Since then, it has been persistent for 36 years.

In order to find the root of the problem of wheat growth, Ru Zhengang ate and lived in the wheat field for several days. In order to ensure the accuracy of the data, he took the research team to manually thresh one by one; In order to understand the growth of wheat in various places, he traveled almost every wheat producing area in China.

In the process of breeding new wheat varieties such as "Aikang 58", Ru Zhengang explored and created a set of nearly complete scientific methods, theoretical systems and scientific research equipment and breeding platform established from it. In his breeding base, from the molecular biology laboratory to the artificial climate room, to the intelligent greenhouse, and then to the outdoor experimental field, it takes only a few minutes to be fully prepared. It is these few minutes’ path that shortens the time of wheat breeding by six years.

Ruzhengang successively cultivated and popularized many varieties such as "Bainong 62", "Bainong 64", "Bainong 160" and "Bainong Aikang 58", and the wheat varieties with stable and high yield filled the granaries of China, which also made the people happy. Ruzhengang has become an out-and-out "God of Grain".

The inspiration for scientific research propositions comes from ordinary people.

"All my scientific research topics and the inspiration and source of technological innovation come from ordinary people." Ru Zhengang traveled all over the country in most wheat fields, and no matter where he went, he never forgot to ask the villagers to "find fault" with their own seeds.

Can wheat be high-yielding and lodging-resistant? Can wheat be planted whenever it wants? The ears of wheat are big, can you make more grains? There are too many ears, can you make the straw shorter? The wheat straw is short, can it tolerate barren and drought? … … Seemingly harsh problems are thrown at him from time to time, and if Ru Zhengang gets the treasure, it will eventually turn into his most breakthrough and creative scientific research topic.

Many experts believe that the wheat yield in Huanghuai area of China has reached the "ceiling", and it is "even more difficult" to further increase the yield. Ru Zhengang’s thoughts and vision jumped to the northeast and Guangdong, Fujian and other places, hoping to find a record-breaking "artifact" in these places.

He constantly challenges himself and his limits. "Even though the frost of time has stained my temples and the knife of years has carved my forehead, why don’t I change my mind and be as heroic as yesterday?" Ru Zhengang expressed his ambition to charge for hybrid wheat breeding in poetic language.

Loving wheat is like your own daughter.

Ru Zhengang said that after 36 years of research, Wheat is actually like his daughter. It can understand his words, and he knows how it can be good, what it likes, what it doesn’t like, and how to make it happy.

"When you chat with wheat with your heart, you can feel the power of its life. Although the breeding work has to face failure 90% of the time, every improvement is an exploration of life and a spiritual enjoyment." Ru Zhengang said.

In Ru Zhengang’s view, wheat that can give people full returns, like wheat, is not wheat, but wheat of a work of art.. He wants to cultivate better wheat varieties, serve the strategic needs of modern agricultural production and national food security, and make new contributions to China’s food security and agricultural harvest. (Source: Ministry of Science and Technology)

　　The report of the 19th National Congress proposed that we should implement the new development concept and build a modern economic system.

　　In this regard, it is an important content to improve the system and mechanism of promoting consumption and enhance the basic role of consumption in economic development. In recent years, consumption has replaced investment as the first driving force of economic growth. Behind this, the innovation of payment methods brought by technical means has contributed greatly, and installment consumption is one of them. "Spend tomorrow’s money and enjoy today’s resources", whether it is life consumption such as digital electronics, home appliances and furniture, or service consumption such as training, tourism and entertainment, the tentacles of phased consumption have extended to all aspects of life.

　　Can installment consumption really make people enjoy life ahead of schedule easily? In the face of the network staging platform with spurt growth, how should consumers rationally stage and make good use of staging?

　　How hot is the market?

　　"It is no exaggeration to say that more than 90% of college students around me have used installment consumption, and food, clothing, housing and transportation, leisure and entertainment can all be solved by installment consumption."

　　"With children at home, the requirements for environmental sanitation are relatively high. My British Dyson vacuum cleaner was made of JD.COM white stripes. I often shop in JD.COM, and I can avoid paying interest by installments with coupons. It is much more economical to installment this year than to use a bank credit card. " Hao Yihang, an employee of a large state-owned enterprise in Beijing, is a fan of JD.COM IOUs. In his words, the slogan of "Consumption by stages, so that youth does not leave blank" attracts young people. The service of "Shopping first, paying later" and "30 days interest-free and staging at will" makes life consumption zero obstacles. "Consumption by stages is so cool!"

　　It reduces the pressure of one-time payment, and the relaxed shopping experience of "installment consumption" makes people happy. Hao Yihang said that Apple’s upcoming iPhone X, which he also intends to buy in stages, will not cause economic pressure and keep up with the trend. Staging consumption can make the monthly salary diversified and meet more new consumption needs.

　　The application method is flexible, the application procedure is convenient, there is no need for mortgage guarantee, and the approval speed is fast. With these characteristics, installment consumption quickly wins the favor of young people. The group represented by "post-90 s" grew up in the era of rapid development of the Internet, and accepted new technologies, new things and new products with a high degree. Pursuing efficiency and enjoying the present are their main consumption concepts, and this group is the main force of phased consumption.

　　"It is no exaggeration to say that more than 90% of college students around me have used installment consumption, and food, clothing, housing and transportation, leisure and entertainment can all be solved through installment consumption." Wang Peng is a junior in a university in Beijing. As early as when he first entered school, he began to use installment consumption, which was very convenient.

　　"This year, the money I signed up for the TOEFL training class was solved by stages. A TOEFL class costs more than 30 thousand yuan, and I ask my parents directly. I’m a little embarrassed. After using the staging platform, I will take out some money from the living expenses to repay the loan on schedule every month. Although there is some interest, I think it is worthwhile. " Wang Peng said that installment consumption is very common among college students, ranging from buying computers and mobile phones, education and training, to recharging phone bills and purchasing tickets for movies. They all like to choose installment.

　　In the past two years, the installment consumption platform has developed rapidly, especially the "internet plus installment consumption" platform has made up for the shortcomings of the traditional financial industry and served the groups that it failed to cover. Recently, the industry has welcomed the "regular army", banks have returned to the field of campus installment consumer credit, and the market is gradually standardizing. According to the forecast of relevant institutions, in the past five years, the average annual growth rate of installment consumption loans exceeded 20%.

　　How tempting is it?

　　Some merchants deliberately weaken the intermediary fees and induce consumers with the gimmick of "low threshold, zero interest and zero down payment", while the handling fee and service fee behind the products are actually higher than the interest.

　　"I obviously bought a 5799 yuan mobile phone, but the final repayment was more than 1700 yuan, which means that I spent nearly 8000 yuan on this mobile phone. Although the mobile phone was used more than one year in advance, it also paid a price. " Speaking of installment consumption, Zhao Xiaoxian, a chef in a restaurant in Hefei, Anhui Province, felt quite helpless. "It is very difficult for migrant workers like me who have no stable income to apply for bank credit cards. Online merchants lied to me that installment consumption threshold is low, procedures are convenient and interest is low. However, in the final calculation, the handling fees are higher than the interest. "

　　Dong Ximiao, a senior researcher at Chongyang Financial Research Institute of Renmin University of China, believes that the staged consumer market is developing rapidly, but the good and the bad are mixed, and many services are falsely advertised. The main purpose of staging business on the consumer platform is to expand users’ staging consumption, but the way to expand customers mainly comes from offline, and salesmen are easy to cheat and induce consumers for the sake of performance. Some merchants deliberately weaken the intermediary fees, and basically induce consumers with the gimmick of "low threshold, zero interest and zero down payment", while the handling fee and service fee behind the products are actually higher than the interest, which makes consumers feel miserable.

　　"The development of bank credit card business is relatively mature, and both the bank’s own risk control system and regulatory regulations are relatively perfect. However, the staged market has outstanding problems such as false propaganda and induced sales promotion in a fierce competitive environment. " Dong Ximiao said.

　　The installment consumption business of traditional commercial banks is standardized, mainly for consumers with stable income. Consumers have lower risk in using it and can effectively protect their rights and interests. The market gap that traditional commercial banks can’t cover has inspired the rise of Internet staging platforms, which have low thresholds and are aimed at social groups such as students and migrant workers. Coupled with the lag of regulatory policies, some disadvantages of installment consumption are constantly emerging.

　　For example, it is inevitable that unqualified consumers will default in time on the staging platform. Salespeople usually "salute before soldiers", but the effect of "collection" will be linked to performance. Because there is no standardized and legalized collection supervision policy at present, there are different kinds of violent collection behaviors in the staged market in reality.

　　The risk of disclosure of personal information makes installment consumption a safety hazard. Many people have encountered the problem of "receiving a collection message without a loan" and "being registered under an assumed name without registration". Most people will choose to ignore it, but doing so may affect consumers’ credit information and bring inconvenience to life and work.

　　In addition, from the consumer’s own point of view, staged consumption increases irrational consumption behavior. The amount of payment is reduced when the installment is consumed, which makes people have the illusion of spending less. The risk monitoring measures of many platforms are not in place, which may easily lead to credit problems such as overdue default by unqualified consumers.

　　How hard is it to choose?

　　By means of digital management and information sharing, we will strengthen the construction of credit system and prevent multi-head lending. Consumers should abandon vanity, comparison and blind obedience.

　　Behind the popularity of installment consumption, how can we rationally use and manage installment consumption?

　　Dong Ximiao believes that from the perspective of regulators, we should continue to carry out the special rectification of Internet finance and increase the cleaning and rectification of various stages of consumption platforms. For the platform with disorderly operation and chaotic management, if it fails to pass the filing in accordance with the regulations, measures should be taken to resolutely close it.

　　"At present, China’s credit information market still needs to be further improved, and the problem of long-term lending in the industry has not been completely solved. I believe that after the sharing of credit information data at the national level in the future, the whole industry will develop more healthily and orderly." Dong Ximiao said.

　　Credit data is an important link in risk control of phased consumption platform. Companies such as Taobao, JD.COM, Ctrip, etc., which have mastered the consumption scenes of hundreds of millions of users, have a large user base and many data resources, and can keenly capture the credit rating of users, and the cost of risk control is low. It is difficult for other financial platforms to accurately judge consumers’ credit information "Facebook".

　　"Now, for installment consumption, we have to put a lot of energy into risk prevention and control. It can be said that if the risk control is done well, the operating cost will be reduced, and the platform installment consumption interest rate will be reduced accordingly, thus attracting more quality customers." Gao Sheng, the public relations director of Staged Music Mall, said, "For example, we are now using artificial intelligence technology to develop ‘ Hawkeye ’ The intelligent risk control engine has more than 6,000 risk control model data variables, which can greatly improve the efficiency of risk control audit. "

　　Dong Ximiao suggested strengthening the construction of credit infrastructure, consolidating and enriching the credit information system by means of digital management and information sharing, improving the risk identification ability and risk prevention efficiency of installment consumption business, and enabling institutions and customers to enjoy more convenience in inclusive finance.

　　Banks and internet platforms should further improve or establish their own risk assessment and monitoring systems, objectively evaluate users’ consumption levels, and reasonably set credit lines; Staging consumption business institutions and platforms should correctly carry out marketing propaganda, put an end to false propaganda and induced propaganda, and set up necessary punishment mechanisms.

　　For consumers, we should carefully choose between bank credit card and installment payment platform, and try to choose a bank credit card with a more formal and perfect management system. If you choose the internet installment consumption platform, you should carefully check how to calculate the installment consumption interest, handling fee and service fee to prevent being charged with high interest and service fee.

　　"Installment consumption is a form of prepayment. If the repayment is overdue, it will not only increase the overdue interest, but also affect their credit rating, and even some financial institutions will terminate the installment business." Dong Ximiao said that consumers should abandon the bad mentality of vanity, comparison and blind obedience, carefully weigh whether the purchase of goods is reasonable, and formulate reasonable consumption and repayment plans to avoid over-consumption and over-consumption.

　　The insiders believe that for platforms with relatively standardized operations, the principle of "same business, same supervision" should be adopted to implement penetrating supervision, safeguard the legitimate rights and interests of financial consumers and protect the security of personal information. At the same time, we will strengthen the monitoring of the installment business it provides in terms of loan purposes and capital flow. Consumers should also enhance their risk awareness, strengthen the study of financial consumption and network security knowledge, and not disclose personal information at will to improve their ability to identify and prevent bad businesses.

　　What are the installment consumption platforms? (link)

　　In the past two years, staged consumption platforms have mushroomed, with different application scenarios and different characteristics.

　　JD.COM White Strip: the first Internet consumer financial product in the industry. You can enjoy a deferred payment period of up to 30 days or a payment by installments of up to 24 days if you use white bars for payment on JD.COM website. In recent years, JD.COM White Bar has been integrated into more consumption scenes, gradually covering the fields of renting, tourism, decoration, education, wedding and so on, extending from credit purchase service to providing credit consumption loans to provide credit consumption services for more consumers.

　　Ant Flower Garden: Born in the e-commerce department, it mainly supports multi-scene shopping. Its main application scenarios are Taobao and Tmall. Recently, it has also settled in most e-commerce shopping platforms, such as Amazon, Suning and local life service websites, such as word of mouth, Meituan, public comment, etc., and also involved some overseas shopping websites.

　　Staging music: Staging music in the staged shopping mall under Lexin Group is a new consumption platform of "e-commerce+finance". The shopping mall consumption scene involves 3C digital, outdoor sports, beauty care, eating, drinking and having fun, etc. It is the official authorized distributor of Apple mobile phones. The platform provides phased consumption services for mainstream consumer groups such as young people and white-collar workers.

　　Consumer finance company: it is a non-bank financial institution that provides unsecured and unsecured consumer loans. According to the "2017 Internet Consumer Finance Development Report and Outlook" by Suning Financial Research Institute, there are currently 22 licensed consumer finance companies in China, of which banks account for more than 90%. Consumer finance companies have offline channels, and offline outlets basically involve the whole country. Many licensed financial consumer companies have launched in-store consumption business to expand the financial consumer market. With the development of internet finance in recent years, many consumer finance companies have begun to cooperate with e-commerce platforms to develop online consumer credit business.

　　(Song Chao)