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　　Yesterday, Jiangsu Education Examinations Institute held an open day for marking the college entrance examination. Yangzi Evening News reporter and 12 candidates and parents’ representatives from Nanjing came to the marking site of the college entrance examination, visited the answer sheet storage group, scanning group and Chinese subject marking group successively, and got in touch with the marking work of the college entrance examination at zero distance, feeling the fair, just, rigorous and orderly working atmosphere of the marking of the college entrance examination.

　　site

　　The electronic image of each candidate’s answer sheet is kept for 4 years.

　　At the examination paper scanning point of the Provincial Education Examinations Institute, the staff are busy unpacking and scanning the examination paper, storing the information in the warehouse, and scanning it through a high-speed special scanner, cutting the contents of the examination paper into pictures, encrypting the candidates’ names, admission ticket numbers and other information, and sending them directly to each marking point through special optical fiber.

　　Fu Yaozhang, director of the Network Information Center of the Provincial Education Examinations Institute, said, "The scanning number of all answer sheets in all subjects must be consistent with the data of candidates participating in the arrangement, and the electronic image of each candidate’s answer sheet should be kept for 4 years."

　　As in previous years, this year, all subjects of the college entrance examination in our province will continue to carry out computer-aided online marking, and the Provincial Education Examinations Institute will undertake the scanning of answer sheets and the marking of multiple-choice questions. For non-multiple-choice questions, the marking of Chinese, mathematics and foreign languages will be handled by Nanjing Normal University, and the marking of six selected subjects and small languages will be handled by Nanjing University.

　　Wu Renlin, vice president of the Provincial Education Examinations Institute, said that there were more than 2,200 marking teachers this year, all of whom were selected from the database of marking teachers in the province. Among them, the marking teachers who mark the test questions with large scores and strong subjectivity, such as composition questions, discussion questions, calculation and solution questions, experiments, etc., all have more than 3 years of teaching and research experience and some marking experience.

　　"Four-evaluation system" makes marking more fair

　　The marking method is also particular: the "four-evaluation system" is implemented in the non-multiple-choice part of all subjects. "After the test paper is scanned and entered into the computer, it will be cut into several blocks. After cutting, the computer will automatically process all the blocks with secret numbers. All the secret numbers correspond to the candidates one by one, but the marking teacher can’t see any identity information of the candidates, and no one can change the answer sheets after secret number processing, which can ensure the fairness and justice of marking work." Wu Renlin said that each marking group marked the cut blocks separately, and each block was randomly distributed to two different marking teachers for independent marking. If the scores scored by the two people are within the scoring threshold set by the subject marking expert group, the average of the scores scored by the two people is taken; If it exceeds the scoring threshold, it will be submitted to the third marking teacher for three evaluations; If it still exceeds the scoring threshold, it will be submitted to the fourth marking teacher for four evaluations. The difficult problems encountered in the marking process are collectively discussed and solved by the marking expert group.

　　Marking progress

　　Chinese: the score of the test questions is accurate to 1 point.

　　Professor Cao, a member of the Chinese marking group of the college entrance examination, introduced that this year’s marking was more orderly, rigorous, scientific and stable. On the second day after the end of the college entrance examination, marking experts entered the marking site to prepare for marking. At present, the scores of most topics are accurate to 1 point, ensuring that the hard work of each candidate is properly reflected.

　　Professor Cao said that the marking of Chinese in the college entrance examination has maintained a steady and progressive trend. "This year, the Chinese in the college entrance examination is generally stable. From the results of the trial evaluation, it is easier for candidates to get started, and their thoughts and feelings can be expressed, and the degree of discrimination in the test papers is ideal. For the composition evaluation that candidates and parents care about, we will focus on correcting the phenomenon of high scores and low scores in the process of marking and correcting ‘ False and wrong cases ’ Strictly check the excellent composition and carefully identify the fake phenomenon of low scores and high scores. In addition, the team leader and the staff of the expert group will repeatedly check without any dead ends, and organize the verification team to conduct spot checks on the composition marking. "

　　Mathematics: More than 8 solutions have been prepared for each problem such as function.

　　The math marking team for college entrance examination consists of math teachers from NTU and NTU and more than 80 middle school teachers. Professor Yan, a member of the math marking group and professor of Nanjing Normal University, introduced that the math marking group organized a subject expert group and each topic leader to investigate the answers of the province’s math test papers, and learned about the possible answers of candidates through full investigation. "The expert group has been carefully formulating the scoring rules. For example, function problems and many big problems have provided more than eight solutions, so it is necessary to formulate scientific evaluation criteria. Decompose each solution into knowledge points, and ensure that homogeneous knowledge points give the same scores and fair standards. Once a new solution is found, the marking teacher must report to the subject expert group in time, and then the experts will discuss and study the scoring rules of this solution, and they are not allowed to evaluate it privately. "

　　Professor Yan revealed that the mathematics marking of the college entrance examination should be completed before the 20th.

　　English: enrich the grading rules and take care of a variety of reasonable composition viewpoints and angles.

　　Professor Shao, a member of the English marking group, introduced that the expert group carefully analyzed the characteristics and reference answers of "task-based reading" and "written expression" and refined the evaluation criteria; The writing points and sub-points of the composition part are subdivided. At the same time, through a large number of sample papers covering various regions and examination rooms, starting from the actual situation of candidates’ answers, the scoring rules are enriched and a variety of reasonable composition viewpoints and angles are taken care of.

　　English marking implements a three-level quality monitoring system of subject expert group, marking team leader and team members. Each paper has been reviewed by team members for multiple rounds back to back, arbitrated or spot-checked by team leader, and monitored and spot-checked by experts. At the same time, the online marking system and monitoring system have a clear division of labor. According to the characteristics of English subjects, the software is designed scientifically and matched reasonably, and equipped with real-time marking, quality statistics, bad error monitoring and early warning systems to avoid misjudgment as much as possible.

　　Yangzi Evening News/Yangyan reporter Yang Tianzi

　　China Rural Network News (Reporter Jiang Wenlong, Zhu Haiyang) The landing of super typhoon "Likima" has had a great impact on Zhejiang’s economy. According to the latest statistics, as of 8: 00 on the 11th, the affected area of crops in Zhejiang Province was 173,000 hectares, with a total harvest of about 22,000 hectares, 34,000 houses damaged due to the disaster, and the direct economic loss was more than 14.57 billion yuan. At present, the Zhejiang Provincial Department of Agriculture and Rural Affairs has issued a notice, demanding that all efforts be made to resume agricultural production after the typhoon.

　　Previously, Zhejiang has released agricultural disaster prevention and mitigation technical measures such as planting, animal husbandry and fishery. In order to effectively strengthen the guidance service and strengthen the implementation of technical measures, all parts of Zhejiang are coordinating relevant forces, selecting a group of people with familiar business and excellent skills to form a disaster relief guidance group, and rushing to the scene at the first time to investigate and understand the disaster situation, visit and sympathize with the affected farmers and agricultural production and operation entities, and help solve practical difficulties in agricultural production.

　　Zhejiang requires that all localities should use seeds, pesticides, fertilizers, disinfectants, vaccines and other reserve materials in time according to the disaster situation and demand, coordinate and organize the transfer of agricultural production materials between regions in time, and give priority to ensuring the supply of agricultural disaster relief materials. If the affected fields need to replant vegetables and other crops, it is necessary to coordinate and organize relevant seedling enterprises, pay close attention to breeding, and do a good job in docking seedlings.

　　The reporter learned that local agricultural disaster relief guidance groups have gone to the front line of disaster relief. On the 10th, technicians from Yueqing Agriculture and Rural Bureau went to Nanyue Egg Duck Breeding Community to guide the post-disaster recovery work, and went to the fields of farmers insured by policy agricultural insurance to check the disaster situation. Technicians from Deqing County Agricultural and Rural Bureau visited agricultural producers such as aquatic products, orchards and shrimp farming to survey and guide the response of agricultural typhoon prevention; Agricultural technicians from Xiangshan County Agriculture and Rural Bureau went to Dingtang Town Elemental Egg Duck Breeding Base and Shipu Town Grape Planting Base to provide guidance on post-disaster recovery.

　　The reporter learned that the typhoon node was special and had a great impact on fishery production in Zhejiang. Zhejiang Fishery Mutual Insurance Association has organized forces to rush to the disaster-stricken sites all over the province for the first time to collect survey information and statistics on damage data. Pacify members’ anxiety, and do a good job in claims settlement and service in post-disaster fishing areas. On the evening of the 9th, the Provincial Institute of Marine Fisheries dispatched 15 experts overnight to form a disaster relief expert guidance group, especially for Yueqing and Dongtou, which were seriously affected by the disaster, to visit and inspect the relevant breeding and seedling raising bases and enterprises on the spot, and to assist the local agricultural and rural departments to carry out disaster relief technical guidance. (Photo by: Zhejiang Provincial Department of Agriculture and Rural Affairs)

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.

Country Garden said that the company is actively taking self-help measures, trying its best to increase revenue and reduce expenditure, and concentrate resources to ensure delivery.

Reduce expenses: the annual salary of the four directors is reduced to 120,000 yuan, and the administrative expenses are reduced by 60%.

On December 12th, Country Garden Holdings Limited announced that the directors’ salary was adjusted.

According to the announcement, in combination with the actual business needs of the industry and the company, Ms. Yang Huiyan, Mr. Mo Bin, Ms. Yang Ziying, executive directors of Country Garden, and Mr. Chen Nai, non-executive directors, offered to reduce their salaries, and signed a supplementary agreement and a supplementary letter of appointment with the company on November 1, 2023, which will be the latest annual salary adjustment for directors as follows (adopted by the board of directors of the company on the date of this announcement and effective on November 1, 2023): Yang Huiyan will be adjusted from 370,000 yuan to. Mo Bin was adjusted from 3 million yuan to 120,000 yuan; Yang Ziying was adjusted from 2 million yuan to 120,000 yuan; Chen Tai was adjusted from 370,000 yuan to 120,000 yuan.

It is understood that Country Garden has made several adjustments to executive compensation in the past two years.By 2023, executive compensation will drop by 86% compared with 2021.These executives include the vice president of the company headquarters, the general manager of the functional center and above, and the regional president.

According to Country Garden’s official micro-display, the whole group tried its best to reduce administrative expenses, all of which were based on the principle of zero, and unnecessary expenses were not spent. Rigid expenses were reduced as much as possible through integration and intensification. In 2023, administrative expenses were significantly reduced by nearly 60% compared with 2021.

At present, Country Garden has cancelled all senior executives’ car allocation. When there is a real need for work, it can achieve intensive vehicle cost control and cost reduction by applying for official car allocation or using its own car. For all group buses including the former senior executives’ car allocation, assets are revitalized through internal public bidding and foreign workers’ debt repayment. In addition, including the reimbursement of senior executives’ medical examinations and the free canteen for senior executives, etc. have also been cancelled.

Streamlining organizational structure: 14 to 7

Recently, Country Garden has adjusted its organizational structure and merged 14 regional companies into 7 new regions: Hebei and Beijing merged into North China; Shandong and northern Jiangsu merged into Lusu region, northwest and Shaanxi merged into central and western regions, Anhui and Zhejiang merged into Zhejiang-Anhui region, Jiangxi and Fujian merged into Jiangxi-Fujian region, Yunnan and Sichuan merged into Sichuan-Yunnan region, and Guangxi and Jiangzhong merged into Jiangzhong region.

In this regard, Country Garden said that under the current industry situation, this adjustment is aimed at further improving the adaptability between the organization and the business, promoting flat and efficient management, complementing the available resources, and doing their best to ensure the realization of the strategic goal of "guaranteeing delivery".

Yang Huiyan said at the management meeting that the overall organizational structure of the company has reached a relatively stable stage after certain adjustments at the group headquarters and regional project level. What we need to do next is to lock in outstanding talents, adhere to the open and transparent mechanism of selecting and employing people and cultivating talents, and better improve the short, medium and long-term salary and incentive mechanism.

Guaranteed delivery: It is estimated that the delivery will exceed 400,000 sets next year.

Country Garden said that ensuring delivery is the company’s vital corporate responsibility and the safety bottom line of the property market.

According to public information, in 2022, Country Garden Group and its joint ventures and affiliated companies delivered nearly 700,000 houses, ranking first in the industry in terms of delivery volume. In the first 11 months of 2023, the Group has delivered more than 500,000 houses with a total delivery area of 60.43 million square meters, involving 240 cities in 31 provinces (municipalities and autonomous regions), and the delivery volume once again ranks first in the industry.

At the management meeting of Country Garden Group in December, Yang Huiyan pointed out that in the next 12 months, the delivery challenge will enter the deep water area.The delivery volume of Country Garden is expected to exceed 400,000 sets in 2024.The number is still huge. "Guaranteeing delivery is a very difficult but also very important task. I hope that everyone will be ready, attach great importance to it and do a good job in pre-planning."

Open source: "selling hematopoiesis"+"two wings" business

At Country Garden Group Management Meeting in December, Yang Huiyan, Chairman of the Board of Directors of the Group, said:"The family will definitely support the company by selling iron, and the company will strive to explore an effective path to resume normal operations as soon as possible."

It is reported that, as the controlling shareholder, Yang Huiyan family has supported a total of about HK$ 41 billion by borrowing money, increasing stock holdings, purchasing bonds, and paying interest by shares. Among them, HK$ 1.56 billion interest-free unsecured loans were provided to the Group in 2021, and HK$ 5.05 billion was raised in December 2022 for interest-free unsecured loans to the Group.

(1) Promote sales and realize hematopoiesis.

Recently, the management and financial department of Country Garden Group conducted a sensitivity simulation analysis of the extreme situation that the company may face in its operation. Yang Huiyan said: "Under conservative calculation, as long as our inventory assets are sold normally, Country Garden will continue to maintain positive assets in the next decade even assuming that we don’t buy land, there is no tax reduction, and the new contribution of the two wings is not considered."

Mo Bin, president of Country Garden, said that what Country Garden is doing now is mainly hemostasis and blood transfusion. At the same time, it is necessary to cultivate internal strength, get through difficult times, and strive to increase sales and realize hematopoiesis, so that enterprises can truly return to the track of healthy development. In addition, Mo Bin stressed that in order to realize sales hematopoiesis, first, we should grasp the key sales nodes in December, increase the renovation of existing buildings, mobilize national marketing, strive to break through special revitalization and promote the return of cash. Second, we should pay close attention to the payment at the end of the year and do a good job in collecting overdue receivables at the end of the year. At the same time, it is necessary to plan the work of returning home during the Spring Festival in advance, and the returning areas should make full preparations in advance to prepare for a good start in supply and sales arrangements.

However, the current sales situation of Country Garden is still not optimistic.From January to November, 2023, the cumulative sales of Country Garden was 212.45 billion yuan, down 52% year-on-year, which was the largest year-on-year decline among the TOP30 housing enterprises. In addition, the monthly sales of Country Garden are still in a downward trend: since July this year, the sales of Country Garden have dropped sharply, of which the contracted sales in June was 16 billion yuan, which fell to 12.07 billion yuan in July, 7.98 billion yuan in August and 6.17 billion yuan in September respectively. In October, the sales volume was 6.31 billion yuan, compared with the previous month, but the latest data showed that the sales volume showed a downward trend again, and the sales volume in November was 6.11 billion yuan.

(2) Cultivate new business growth points

In addition to the real estate sector business, Country Garden is also making efforts in technology construction and escrow construction. It is reported that since June this year, Bozhilin robot under Country Garden has started to sell to the market. At present, it is mainly leased to buy and repurchased by old customers. In terms of agency construction, Phoenix Zhituo has added four new projects, including Qinhuangdao in Hebei, Luoyang in Henan, Shangqiu in Henan and Yancheng in Jiangsu, on the basis of the original projects since its establishment two months ago. Country Garden said that it will continue to cultivate new business growth points in the future.

(This article first appeared in Titanium Media APP, author | Wang Jian, editor | Liu Yangxue)

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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.

Data map: Taiyuan, Shanxi, postal workers are sorting express delivery. China News Service reporter Zhang Yunshe

　　BEIJING, Nov. 12 (Xinhua) According to the official WeChat news of the State Post Bureau, on November 11, according to the monitoring data of the State Post Bureau, postal and express delivery companies handled 535 million express mail all day, which was three times the daily processing volume since the second quarter, with a year-on-year increase of 28.6%, a record high.

　　It is estimated that the peak season of "double 11" this year will last from November 11th to 18th. During the peak period, the whole industry will handle 2.8 billion pieces of express mail. The whole industry still regards "peak-shifting delivery and balanced promotion" as the core mechanism, and strictly controls the peak delivery volume according to the delivery carrying capacity of each enterprise and the planned push volume. Through big data platforms such as postal industry safety supervision information system and e-commerce collaborative platform, the State Post Bureau will pay close attention to the whole network operation in real time, guide enterprises to control the dispatching rhythm, and moderately extend the delivery time limit of double 11.

　　In order to achieve the goals of "two noes" (no paralysis of the whole network and no explosion of important nodes) and "three guarantees" (smooth flow, safety and stability), on the basis of the existing service capacity, the whole industry temporarily hired nearly 400,000 people and 120,000 vehicles, and added more than 3.6 million square meters of processing sites and more than 3,000 sets of automatic and semi-automatic sorting equipment. Technically, unmanned warehouses, drones and unmanned vehicles have gradually achieved mass production and large-scale application. More than 200 intelligent distribution centers have been built nationwide, and many unmanned warehouses have been set up by enterprises such as SF, JD.COM, Cainiao and Suning. A large number of heavy-duty storage robots and distribution robots have been promoted and applied in different occasions, and the "illegal operation AI intelligent identification system" that automatically identifies violent sorting behavior has been put into operation in some enterprises. In urban areas, 82,000 terminal public service stations have been built nationwide, and more than 380,000 sets of intelligent express boxes have been deployed, effectively supplementing the terminal service capacity of express delivery. The establishment of 59,000 rural express public pick-up and delivery points will better meet the delivery service needs of rural residents. In terms of international business, the outlets of express delivery enterprises in more than 60 countries, overseas warehouses covering more than 50 countries and regions and new international routes will play a very positive role. In terms of after-sales, AI intelligent customer service robots that can achieve 24-hour service have been put into use in many enterprises, which will effectively improve customer service capacity during peak hours.

　　In response to the consumer’s concern about the "last mile" in rural areas in the peak season, the relevant person in charge of the State Post Bureau pointed out that up to now, express outlets have covered more than 30,000 towns and villages, and the coverage rate of express outlets in towns and villages nationwide has reached 96%, effectively improving the distribution capacity in rural areas. At the same time, the State Post Bureau specially issued the "Implementation Plan for Accelerating Express Delivery to the Countryside" this year, intensified efforts to build a terminal delivery service system consisting of home delivery, box delivery and platform delivery, and constantly promoted the integrated development of transportation and postal express delivery, and promoted the coordinated development of express delivery and rural e-commerce. In addition, since April this year, two rounds of cleaning up and rectifying illegal charges for express terminal services have been deployed nationwide, effectively safeguarding the legitimate rights and interests of farmers. On the issue of express packaging, with the help of "double 11", the industry has vigorously promoted the "9571" project of green development, continuously reduced the secondary packaging of e-commerce express mail, and deployed 27,000 standardized express packaging recycling devices at terminal service stations. At the same time, enterprises have done a lot of work in reducing the use of packaging materials, promoting electronic face sheets, circulating transfer bags and packaging recycling boxes.

Special topic: Wenchuan earthquake in Sichuan

　　Yesterday was the first small holiday after the Wenchuan Earthquake. The sky is raining, and the earthquake relief continues, but strings of zongzi, sachets, calamus and mugwort leaves convey a warm festive atmosphere in this cool weather. On the first day of the Dragon Boat Festival holiday, while many citizens were reunited with their families, many people chose to go out and enjoy the holiday. They relaxed their pent-up feelings during their travels and experienced the still beautiful Sichuan for themselves.

Yesterday morning, hundreds of married couples took photos in Hejiang Pavilion as a souvenir.

　　Yesterday was the first small holiday after the Wenchuan Earthquake. The sky is raining, and the earthquake relief continues, but strings of zongzi, sachets, calamus and mugwort leaves convey a warm festive atmosphere in this cool weather. On the first day of the Dragon Boat Festival holiday, while many citizens were reunited with their families, many people chose to go out and enjoy the holiday. They relaxed their pent-up feelings during their travels and experienced the still beautiful Sichuan for themselves.

　　Emei Mountain: The number of tourists increased year on year.

　　Yesterday, Emei Mountain Scenic Area received more than 5000 tourists. "Obviously better than our previous expectations." The relevant person in charge of Emei Mountain Scenic Area introduced. Among the tourists who came to Emei Mountain yesterday, self-driving tourists became the main force. According to the statistics of Emei Mountain digital monitoring system, the number of self-driving vehicles that came to Emei Mountain yesterday reached 1768.

　　Among them, self-driving cars from Chengdu accounted for half. "Many of them are to relax." It is understood that in addition, there are more self-driving cars from Chongqing and Zhejiang, as well as from surrounding areas such as Meishan. Wang Xiaoqing, a tourist from Chongqing, came to Mount Emei for the first time. After coming down the mountain, he said that Mount Emei was more beautiful than he expected.

　　Team tourism is also recovering. Yesterday, there were six teams coming to Emei Mountain, and three in Chengdu and Chongqing respectively. "Since we held the Chengdu-Yule Line Boutique Conference two days ago, the travel agencies in Chengdu have sent delegations every day." Emei Mountain Scenic Area said that they are very confident in the tourism market after the earthquake.

　　According to statistics, Mount Emei received a total of 5,000 tourists yesterday, a slight increase compared with the same period last year. The hotel occupancy rate is over 60% on average. It is expected that the number of tourists will reach its peak at the Dragon Boat Festival today.

　　Chengdu: Tourists enjoy the Dragon Boat Festival.

　　The first Dragon Boat Festival holiday forecast issued by Chengdu Holiday Office shows that the tourist attractions and attractions in Chengdu that are unaffected and fully open have attracted a large number of tourists. Huaxiang Rural Residence in Hongsha Village in Jinjiang District received 15,000 tourists, Huanglongxi in Shuangliu County received 12,000 tourists, and Wenjiang Northern Ecological Zone received 8,000 tourists. Although the number of tourists is less than the previous small holiday, the rapid start of the market has made these scenic spots even "unexpected".

　　It is reported that there are 65 scenic spots (spots) that have been opened and received tourists in Chengdu except Dujiangyan, Pengzhou and chongzhou city. The "Dragon Boat Festival" held in Shuangliu, Wenjiang, Qionglai and other districts (cities) and counties, such as blessing, setting off river lanterns and eating zongzi, as well as rural tours in the suburbs of the city, also attracted many tourists.

　　At the same time, the Law Enforcement Brigade of the Municipal Tourism Bureau went to the major travel agencies and scenic spots in the city to inspect the safety precautions and market order, and focused on setting safety warning signs and unblocked safety passages to ensure the tourism safety during the Dragon Boat Festival holiday.

　　Travel Agency: More people will visit Sichuan!

　　After the earthquake, many travel agencies in Sichuan closed down or were semi-closed. However, with the arrival of the Dragon Boat Festival, many travel agencies in Chengdu received their first business after the earthquake. "Although the amount is small, we see hope in it." A staff member of the Provincial Youth Travel Service introduced. Before the Dragon Boat Festival, guests kept calling for advice, which surprised them. It is understood that during the Dragon Boat Festival, many citizens in Chengdu also traveled to other provinces by participating in tour groups. These routes are mainly Yunnan, Guilin, Guizhou and East China. Although the number is small, the citizens’ willingness to travel has gradually increased, which has enhanced the confidence of travel agencies.

　　According to the analysis of a senior person in the tourism industry, the overall travel situation of the Dragon Boat Festival is definitely worse than that of previous years. There are three main reasons. First, yesterday happened to be the college entrance examination, and many parents had to accompany their children to take the exam; Second, the general rainfall yesterday affected people’s mood for traveling; Third, after the earthquake, many people want to go home to reunite with their loved ones and spend the holidays at home. He believes that with people’s lives on the right track, more people will be willing to travel. "With the joint efforts of everyone, more people will come to visit the still beautiful Sichuan!" (Reporter Tao Ying Intern Huang Lian)

CCTV News:The Spring Festival is coming, and it is the choice of many families to take family photos in the photo studio. The reporter recently visited the Beijing market and found that the passenger flow of many photo studios has increased significantly, and some places even have to make an appointment many days in advance.

Reporter:I am now in Dabei photo studio on Qianmen Street in Beijing. The staff told me that with the approach of the Spring Festival, more and more customers come here to take photos, especially the family photos are selling more and more hot.

Beijing consumers:Once a year, I added this family of five, and I took my parents with me. It was also the first time to take a photo with my baby.

Beijing consumers:Want to take a picture of her (mother) every year, (she) is a little nervous.

In the photo studio, the staff told reporters that in recent days, family photos, black and white and color headshots are still the main products in the store, and most customers are coming from this classic nostalgia.

Beijing consumers:We were born in the 1980s, and there weren’t many color photos at the beginning. It’s quite retro to bring children to take pictures.

Meng Qingyi, manager of Beijing Dabei Photography Front Store:At the end of the year, the passenger flow still increased. Usually, we take more than 200 photos (every day), but now we can take between 300 and 400 photos, mainly because we have more photos.

Reporter:Different from the traditional photo studio, we see more young people in this fast and fashionable photo studio in Xidan, Beijing. For them, taking a photo at the end of the year is the pursuit of a sense of ritual in life.

Beijing consumers:We want to shoot something academic, or something related to the New Year.

Beijing consumers:This suit is also suitable for the occasion, just in line with the new year atmosphere.

The reporter learned that with the continuation of Christmas and New Year’s products and the launch of family photo products in the Spring Festival, there are more choices of products in the photo studio at present. The price of a single person ranges from 300 to 500, and the daily reception volume has also increased by about 20% compared with usual.

Wang Xinwei, manager of a fast fashion photo studio in Beijing:Many customers choose to take a photo at the festival just to increase the sense of ceremony and send a circle of friends. Basically, every day is a full state, and weekends are full. The best sellers are Weiyang and Chiying in the national tide. Because it is red and Chinese style, customers will have more choices.

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)