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)

For more macro research on dry goods, please pay attention to titanium media international think tank WeChat official account:

　　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)

　　Hubei Daily News (Reporter Wang Jing, arel) On December 30th, Ying Yong, secretary of the provincial party committee, presided over a forum to listen to the opinions and suggestions of grassroots party member cadres, heads of enterprises and universities and representatives of non-party people. Ying Yong stressed that it is necessary to conscientiously study and implement the spirit of the important speech delivered by the Supreme Leader General Secretary at the the Political Bureau of the Central Committee Special Democratic Life Conference, earnestly increase historical self-confidence, promote unity and unity, and enhance the spirit of struggle. Taking this democratic life conference as an important test of adhering to the "two establishments" and "two maintenances", we should further strengthen party leadership and party building, unite the wisdom and strength of the whole province, and provide for accelerating "building a fulcrum, walking in the forefront, and writing a new chapter"

　　At the forum, Huang Keli, secretary of Gucheng County Committee of Xiangyang City; Peng Qiang, secretary of Shengli Town, Luotian County, Huanggang City; Dong Shouzhi, secretary of Xiqiao Community, Tangjiadun Street, Jianghan District, Wuhan City; Wu Jing, secretary and chairman of Hubei Cultural Tourism Group Co., Ltd.; Jiang Liping, chairman of the provincial committee of Taiwan League and president of the provincial Taiwan Federation; Zheng Jun, member of the Central Committee of the Chinese Revolutionary Committee and president of Hubei Second Normal College; and Zhu Mei, full-time vice chairman of the provincial committee of the NLD. Tong Jinnan, member of Chinese People’s Political Consultative Conference and director of the State Key Laboratory of Biogeology and Environmental Geology of China Geo University (Wuhan), put forward opinions and suggestions on accelerating the development of county economy, improving the ability of grassroots cadres, deepening party building to lead grassroots governance, promoting the reform of provincial state-owned enterprises, continuously optimizing the business environment, and strengthening the training and use of non-party cadres. You should listen and take notes, interrupt from time to time, and discuss and communicate with you.

　　After listening carefully to the speech, Ying Yong said that everyone put forward good opinions and suggestions from various fields and aspects in combination with the actual work, which will help the provincial party Committee to grasp the facts, improve its work, better implement the decision-making arrangements of the CPC Central Committee, and help the Standing Committee of the provincial party Committee to hold a special democratic life meeting. We will listen carefully and fully absorb it, and take practical and effective measures to do a good job and promote implementation.

　　Ying Yong pointed out that under the strong leadership of the CPC Central Committee with the Supreme Leader as the core and under the scientific guidance of the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era, Hubei has made decisive achievements in epidemic prevention and control and post-epidemic revitalization. It is a vivid and concrete educational practice for Hubei to hand over the qualified answer sheet for the Great War Examination, which is to strengthen the "four consciousnesses", strengthen the "four self-confidences" and achieve the "two maintenance". It is necessary to profoundly understand the decisive significance and role of the "Two Establishments", and deeply understand that resolutely safeguarding the core of the CPC Central Committee and the core of the whole party is the key to the party’s consensus and decisive choice at major moments, and it is an important guarantee for the party’s unity and victory. Constantly improve political judgment, political understanding and political execution, and always maintain a high degree of consistency with the CPC Central Committee.

　　Ying Yong stressed that it is necessary to thoroughly study and implement the spirit of the Sixth Plenary Session of the 19th CPC Central Committee and the Central Economic Work Conference, hold democratic life meetings with high quality and high standards, further strengthen the party’s political construction, guide the vast number of party member cadres in the province to learn wisdom and strength from the party’s century-long struggle history, vigorously carry forward the great spirit of party building, practice the initial mission, bravely move forward, do good deeds, do their best, effectively deal with the uncertainty of the external environment with the certainty of their own development, and continue to write about the high quality of Hubei’s economy and society.

　　Dong Weimin, member of the Standing Committee of the Provincial Party Committee and Secretary General, attended the forum.

　　September is autumn, the temperature drops gradually, the temperature difference between day and night increases, kindergartens and schools in various places open one after another, the mobility and aggregation of people increase, and the Mid-Autumn Festival holiday and other factors are superimposed, which easily leads to the spread and popularity of many infectious diseases. Henan CDC hereby reminds the general public to pay attention to novel coronavirus infection, whooping cough, norovirus infectious diarrhea, dengue fever, school tuberculosis and food poisoning this month.

　　Key tips

　　1. novel coronavirus infection

　　The epidemic situation of COVID-19 in our province showed a fluctuating upward trend since the end of July, and it showed a fluctuating downward trend after reaching its peak in mid-August. In autumn, students start school one after another, and the Mid-Autumn Festival is approaching, the flow and gathering of people increase, and the risk of infection in COVID-19 increases. In crowded places such as public transportation and shopping malls, we should persist in personal protection to reduce the risk of virus transmission.

　　Protective measures:

　　1. Strengthen the protection of high-risk groups. Targeted measures are taken for high-risk groups such as patients with basic diseases and the elderly, so that cases can be found in time and treated effectively, and serious cases and deaths can be reduced as much as possible. Timely discover and deal with possible cluster epidemics in places where people gather, such as kindergartens, schools and old-age care institutions.

　　2. Pay attention to personal protection. Residents should wear masks in their daily trips, minimize unnecessary gatherings and keep social distance. Maintain good personal and environmental hygiene, wash hands frequently, often ventilate, pay attention to rest, pay attention to nutrition and enhance physical fitness.

　　3. Use drugs rationally and see a doctor as needed. After infection, asymptomatic infected persons and mild cases should take care of themselves at home, reduce contact with their roommates, use symptomatic drugs rationally according to relevant guidelines, do a good job in health monitoring, and go to medical institutions in time if the condition worsens.

　　2, whooping cough

　　Pertussis is an acute respiratory infectious disease caused by Bordetella pertussis, and its typical clinical manifestations are paroxysmal, spasmodic cough and crowing inhalation roar. The disease has a long course and can last for 2-3 months, so it is called "whooping cough". It is mainly transmitted by air droplets, but also by direct contact with respiratory secretions of patients. The population is generally susceptible, and infants without immunization history are at higher risk.

　　Protective measures:

　　1. Standardize vaccination. Vaccination with DTP vaccine can reduce the risk of severe pertussis and death in infants. According to the requirements of the national immunization program for children, school-age children should be vaccinated with DTP vaccine as soon as possible, and school-age children who have not been vaccinated all the time should be replanted as soon as possible.

　　2. Seek medical attention in time. Especially when infants and young children have paroxysmal spastic cough or have their own sudden cough after similar cases around them, they should take the initiative to seek medical treatment in time to reduce the risk of epidemic spread and serious illness.

　　3. Do daily protection. Keep good hygiene habits, wash your hands frequently and ventilate frequently, cover your mouth and nose with elbows or paper towels when coughing or sneezing, and pay attention to reasonable work and rest and proper physical exercise. Try to avoid crowded and poorly ventilated public places.

　　3, norovirus infectious diarrhea

　　Norovirus is a group of non-encapsulated RNA viruses, which has the characteristics of strong infectivity, rapid spread, short immune protection time and general susceptibility of the whole population. It is the most important pathogen that causes acute gastroenteritis. It can be transmitted through polluted water and food, and can also be infected by aerosol inhalation or contact with items contaminated by virus. Shellfish such as oysters and raw fruits and vegetables are common foods that cause infection. It is easy to spread in crowded places such as schools and kindergartens. In the autumn school season, kindergartens, schools and other educational institutions should do daily protection and strengthen health monitoring.

　　Protective measures:

　　1. Maintain personal hygiene. Pay attention to washing hands frequently to prevent diseases from entering the mouth, especially before and after meals and before preparing and processing food.

　　2. Pay attention to the hygiene of diet and drinking water. Do not eat uncooked food and unpasteurized milk, shellfish and seafood such as oysters should be eaten after deep processing; Fruits and vegetables should be carefully washed before eating, and do not eat unclean fruits and vegetables; Separate raw and cooked foods to avoid cross-contamination; Ensure the safety of water sources, do not drink raw water, and the selection of bottled water should meet the hygiene standards.

　　3. Pay attention to standardization. The environment or the surface of an object polluted by the patient’s vomit or excrement should be cleaned and disinfected by trained personnel with chlorine-containing disinfectants or other effective disinfectants. In the process of handling patients’ vomit, excrement and disinfection, you must do personal protection, wear masks and rubber or disposable gloves, and carefully clean and disinfect your hands after cleaning.

　　4. Dengue fever

　　Dengue fever is an acute infectious disease caused by dengue virus. Its clinical manifestations are persistent fever, accompanied by severe headache, myalgia, joint pain, nausea, vomiting and rash. In severe cases, bleeding, shock, organ failure and even death may occur. The disease is mainly transmitted by the bite of Aedes mosquitoes. September is still the peak of mosquito activity, so we should keep good environment and room hygiene in our daily life, reduce mosquito breeding and reduce the risk of infection. At the same time, people who travel and work in dengue epidemic areas should pay attention to personal protection to prevent mosquito bites, and do a good job of self-health monitoring after returning from epidemic areas.

　　Protective measures:

　　1. Do a good job in mosquito control. Clean up the accumulated water in indoor containers such as flowerpots and drinking fountains in time, clean up domestic garbage and sanitary dead corners, and keep the room clean and tidy. Install screen doors and screens in the room, and use mosquito-repellent incense, mosquito killer and electric mosquito swatter to prevent and repel mosquitoes.

　　2. Personal protection should be done when going to dengue epidemic areas. You should wear long-sleeved clothes and trousers, spray repellent and mosquito repellent on bare skin, use mosquito nets when sleeping, and try to choose hotels with air conditioning or screens.

　　3. Do your own health monitoring. After symptoms appear, you should seek medical advice as soon as possible, and actively inform the doctor of the relevant residence history for early detection, early diagnosis and early treatment.

　　4. Use of personal protective equipment. Personal protective equipment such as mosquito nets and mosquito repellent can effectively prevent mosquito bites, thus reducing the probability of dengue virus infection. In areas with frequent mosquito activities, it is recommended to use mosquito nets or apply mosquito repellent to protect yourself.

　　5, school tuberculosis

　　Tuberculosis is a chronic infectious disease caused by Mycobacterium tuberculosis, which can invade many organs, and pulmonary tuberculosis infection is the most common. It is mainly transmitted by respiratory droplets, and healthy people may be infected by inhaling air droplets with tuberculosis. The main symptoms are cough, expectoration lasting for more than 2 weeks, chest tightness, low fever in the afternoon, fatigue, loss of appetite, emaciation, night sweats and so on.

　　Tuberculosis is one of the infectious diseases that schools focus on preventing and controlling. It is the beginning season of autumn recently, and it is a high incidence period of tuberculosis. Schools, parents and students should pay attention to the prevention and control of tuberculosis.

　　Protective measures:

　　1. Strengthen campus management. It is suggested that schools should strengthen the morning check-up, afternoon check-up and late check-up of students in school, implement measures such as tracking students’ absence from class and tracing the cause, and find tuberculosis patients and suspects in school as soon as possible.

　　2. Pay attention to personal protection and improve the body’s immunity. Pay attention to window ventilation, do not spit everywhere, and cover your mouth and nose with your elbow when coughing or sneezing. Reasonable diet, balanced nutrition, combining work and rest, ensuring adequate sleep and appropriate outdoor activities, enhancing physical fitness and improving body resistance.

　　3. Standardize the whole course of treatment. The whole treatment course of pulmonary tuberculosis is 6-8 months, and the whole treatment course of drug-resistant pulmonary tuberculosis is 18-24 months. According to the doctor’s standard treatment, most tuberculosis patients can be cured.

　　6. Food poisoning

　　Food poisoning is a major disease, which is caused by nausea, vomiting, abdominal pain, diarrhea and other symptoms after eating food contaminated by toxic and harmful substances or containing toxins. In September, the high temperature and high humidity weather continued in many places in China, which also created conditions for the proliferation of bacteria. Food is more prone to spoilage. With the large number of seafood on the market, it is necessary to pay attention to the pollution of seafood by Vibrio parahaemolyticus, which is easy to cause food poisoning.

　　Protective measures:

　　1. Pay attention to food hygiene and achieve "six noes": don’t eat uncooked and thoroughly cooked food, unclean fruits and vegetables, food of unknown origin, picking and eating wild mushrooms and wild plants, and don’t buy wild mushrooms picked and sold by individuals, and don’t buy wild mushrooms at mobile stalls.

　　2. When eating out, pay attention to the selection of catering units with complete licenses and good sanitary conditions. Buy food in supermarkets or vegetable markets with health protection.

　　3. Pay attention to personal hand hygiene, wash your hands before and after meals, before and after handling raw and cooked food and its packaging, after touching pets and disposing of garbage.

Recently, the medical profession has made such a sound:In order to be promoted, hospitals tend to give priority to first-line medical care against epidemic diseases, but this team is too large. Therefore, without first-line medical care for various reasons, promotion is basically hopeless and in the foreseeable future.

Everyone’s spit is concentrated in two aspects:

First, there are differences on the definition of front-line personnel.Some people did not enter the isolation ward, but they also treated patients in clinical departments, and lacked protective clothing and other equipment. At the worst of the epidemic, their danger was not lower than that of the isolation ward, so they trembled and took the initiative to isolate their families, but they were not included in the first-line file. In fact, the isolation ward was even considered as the safest department in the hospital at a certain time, and the protector won the world.

Second, there are many medical staff in hospitals all over the country actively signing up for the first line, and the reserve echelon is large enough.However, China’s anti-epidemic effect was so high that many medical workers did not wait for the opportunity to go to the front line, and the epidemic ended. The results show that tens of thousands of medical staff in Fangcang Hospital have zero infection and are relatively safe, and the aid workers in Hubei have received not bad rewards both mentally and materially, and now they enjoy preferential treatment in promotion, further crowding out the opportunities of non-frontline personnel.Not only a little worried, is it really reasonable to give priority to the promotion of doctors in the front line of anti-epidemic?

And recently"Abolish the deputy chief physician and chief physician, and abolish the doctor promotion system!"The voice is high.

Xu Yonggang, a magic dentist, thinks:

The evaluation mechanism for promotion to full and deputy titles has always been only scientific research, papers and patents as important indicators, and at the same time, it has created the largest academic misconduct groups and individuals in the world and the most intensive academic industry chain.

It can’t be said that all patents of medical research papers are false, and there are outstanding people in any industry who lead the development of medicine, but there are too few. The vast majority of medical scientific research, whether self-written or plagiarized, takes promotion as the original intention. From project establishment to research, it has neither clinical practical significance nor promotion prospect, but basically it will produce "achievements" and eventually be labeled as "domestic leading level" or "domestic advanced level", which also gives medical staff a relatively objective understanding of the domestic level of China medicine, and medical staff are tacitly aware of this.

This year, the promotion evaluation mechanism of many hospitals has been changed, which has reduced the proportion of scientific research papers in principle, and increased clinical medical records, personal performance, social evaluation, patient satisfaction and so on under the premise of giving priority to the first line of anti-epidemic, which has strong flexibility in the implementation process due to the lack of focus and quantitative indicators.

Starting from the essence of medical treatment,The most reliable evaluation should be patient satisfaction, which can truly reflect the doctor’s skill and service level, but because this index is more difficult to quantify,The space for fraud can even exceed that of scientific research papers, so it can’t be referenced in the evaluation, which is a serious injury.

Both the old standards and the new evaluation standards have disadvantages objectively, and this promotion system has done great harm to the medical industry.

First, it destroyed the relationship between cadres and the masses.The leaders of all hospitals have repeatedly optimized the evaluation criteria in order to be fair and just as far as possible, but they still can’t satisfy all the medical staff, and the spearhead and pressure are pushed to the leadership and personnel departments.

Second, destroy the relationship between colleagues.In order to compete for the quota, all means are used, and the surface is calm, but in fact it is undercurrent.

Third, destroy the relationship between superiors and subordinates.The director of the department has to make a difficult balance between adjusting the work of the promoted person and maintaining the operation of the department, which is easy to lose sight of one thing and lead to a stiff relationship.

This system affects not only the interests of doctors, but also the interests of patients.If doctors can’t concentrate on treating diseases and saving lives, but they spend their time catering to policies, practicing fraud and speculating, cheating on each other and so on, it will mean disaster for patients.

The basis of the promotion of professional titles is to control the proportion of posts.

However, controlling the proportion of posts cannot maintain the old, middle-aged and young structure of hospitals and the construction of talent echelon! The common dilemma of hospitals is:More and more senior doctors are getting together and retiring slowly, and fewer and fewer new recruits are leaving, resulting in high resignation rate, resulting in tension in senior positions.The solution should be to introduce more new people to expand the denominator, not to reduce the numerator.

Since there are so many disadvantages, why must we control our posts? There seems to be only one answer left,Control wage file. Every time you add one more post, you will increase your expenditure, and you will get a higher salary after retirement.

howeverObviously, the salary of medical staff should not be controlled.And this year’s medical reform and rectification, especially the space for medical equipment rebates has basically been eliminated.

In fact, many doctors are looking forward to this day. Everyone hopes to have a reasonable sunshine income and use wages to reflect the value of labor. After the epidemic, most hospitals have reduced their financial performance and their income is directly based on wages. However, wages have not been raised accordingly.

Under such circumstances, it is necessary to raise wages reasonably.

It is the most realistic, feasible and least costly scheme to abolish the senior post system and automatically raise the salary scale according to the qualifications of medical staff. On the one hand, it can stabilize the medical team and mood, on the other hand, it can let young doctors see the prospects, reduce turnover and establish a lasting sense of professional belonging.

Then, once you get rid of the pressure of promotion, will it make doctors lose their goals, muddle along their qualifications, lack the motivation of scientific research and innovation and be mediocre?

He believes that not only will it not, but it will make it easier for outstanding talents to produce results, becauseScientific research that does not aim at promotion will be more pure, scientific research projects will be sharply reduced to fine, but investment will be saved, and the survival of the fittest will play the self-purification function of the industry.

If the rules are abolished and the promotion system is abolished, it is conservatively predicted that more than 95% of medical research, papers and patents in China will disappear completely, which will inevitably lead to the instantaneous collapse of that huge industrial chain, and the interest chain involved is complicated, and the vested interests have the right to make rules, which is a game in another dimension.

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People in the medical profession express their views:

@ Chunqiu:Although this proposal is good, it is not realistic. If we just cancel the deputy director and the chief physician. Then it is not good for most departments and doctors. You can modify the evaluation and assessment system. However, without such classification, just one night shift and duty will affect the normal operation of a department. Personally, I think our current assessment system has not adapted to the development of the hospital now, nor can it reflect the ability and dedication of doctors. We all say that a department depends on the efforts of the whole team. However, it cannot be denied that sometimes having a master in a department will improve the influence of the department, but the income and honor won by a master in technology are not the most.

@ Cloud light and wind light:Resolutely supporting the cancellation of the so-called evaluation of sub-high and regular high professional titles is meaningless, but it wastes doctors’ time to concentrate on their work. Some people are busy with the promotion of professional titles every year, some are busy with hospital interpersonal relationships, and some are busy writing so-called papers that are not practical, which wastes manpower and material resources and has no meaning at all. I hope to cancel it as soon as possible so that doctors can do their work wholeheartedly.

@NATURE：If there is no benchmark to eat from the same pot, who will do scientific research? Anyone can learn clinical skills in three months, and it is really difficult to do scientific research without getting started for three years. If you don’t ask for it, then no one will do scientific research, and the country’s scientific and technological development will soon go backwards. The disadvantages of big pot rice appeared decades ago. Needless to say, all walks of life must be divided into levels in order to develop healthily. As for the evaluation of professional titles, SCI is still the most fair evaluation index at present, and people have to have pressure to have the motivation to go up. However, in view of the serious fraud at present, the effective way is to strictly investigate and control, and not to engage in administrative management, but to be an expert. The implementation of the representative system is to try to avoid making up the numbers with low scores, recommend those who make good ones and make high ones, and gradually improve the current disadvantages.

@ Dr. Huang Dentistry:This is just like the college entrance examination. Although people say that the college entrance examination is unfair every year, there is a college entrance examination every year because it is the best platform under the current conditions. The current rating method is the same. As long as you can find a more reasonable and beneficial evaluation method, you can definitely replace it. The key is that there is no …

@ Chen Gongjian:In fact, as a doctor, the most important responsibility is to cure diseases, so all medical-related evaluations should be based on the efficiency of treatment! The cure rate was the core of the medical system in Song Dynasty. In modern society, the main body of evaluating the therapeutic effectiveness of diseases is physical and chemical indicators, in fact, the improvement ratio of patients’ subjective symptoms should also be added. In addition, the incidence of related diseases, long-term recurrence rate, etc. should be weighted in proportion. But in this way, how many medical staff who are now in high positions can still have the face to continue saying: I am a doctor? ! As for other derivative fields such as papers, it is enough to set attractive special awards.

@ 中中中:Most of those who say that they want to abolish it are blind to the eye. People in any industry should be graded to distinguish the good from the bad. The professional title evaluation system formed over the years has contributed a lot to distinguishing talents, and has also formed many recognized talent evaluation standards, such as academic qualifications "Promotion with relevant educational experience", such as working years "Promotion with sufficient work experience", such as inter-provincial evaluation "Try to eliminate human feelings evaluation". For example, the professional business exam "Must be qualified for professional knowledge and clinical skills".

@ 味味:The wage system in China is too complicated, which is neither scientific nor reasonable. The salary items are full and the salary amount is very skinny. It is better to learn from the west and implement the annual salary system! The unfair distribution of bonuses and coefficients has been eliminated. I have been an attending physician for 20 years, and I don’t feel too excited to be promoted to higher vocational colleges. Apart from not publishing papers in journals, I have also written papers that have not been published. Although I have received many invitations to write and send, I have not stepped out of this step. I wrote a lot of popular science articles, and I also sent some in WeChat official account, with a total reading of tens of thousands. I think that if the paper is too utilitarian just for the title, it is better to write some popular science articles. In fact, many promotions are just for that benefit, to get more money, and there is only a hollow reputation. Maybe I won’t be promoted to higher vocational education before I retire, but I don’t regret it, just a little regret. At the thought of the patient’s trust and satisfaction, I still feel a lot of comfort and satisfaction when I see the red banner.

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What do you think of "abolishing the deputy chief physician and the chief physician, and abolishing the doctor promotion system!" What about the advice?

Now people’s understanding of cars has already surpassed the stage of "four wheels and two rows of sofas", and people will consider many factors when buying a car. What I want to talk about today is a pure tram. Let’s look down with Xiaobian.

First of all, from the appearance, the front face of Xiaomi SU7 Ultra looks very individual and looks very capable. Coupled with the sturdy headlights, many interesting details can be seen from the inside. Coming to the side of the car body, the car uses simple lines, and the side of the car looks very fashionable and simple. With large-sized thick-walled tires, it looks full of movement. Looking back, the overall shape of the tail of Xiaomi SU7 Ultra echoes the front face. The taillights look very elegant and the overall layout is impressive.

When I came into the car, the interior looked very soft and the overall visual effect was very distinctive. The car looks very good outside the steering wheel and has a sense of design. Take a look at the central control. The design of the center console is reasonable, which makes the interior style impressive and meets the aesthetic standards of most consumers. The interior feels good. Let’s take a look at the dashboard and seats. The car is equipped with an exquisite dashboard and has an elegant design. The seat is wrapped in place and is very comfortable to ride.

After reading this car, I believe you have a general understanding. I have already introduced this car almost. I believe many users who buy a car have taken a fancy to its comfort and practicality.

fromOn April 1, 2023, the Hygienic Standard for Drinking Water (GB 5749-2022) was officially implemented. Compared with the 2006 version of the standard, the new standard has adjusted the number of indicators, the classification of indicators, and the limit values of some indicators.

Compare with the new standard,What is the drinking water quality of Jiaxing at present? Come and find out!

In recent years, Jiayuan Group is committed to building from the source to the leader.The "Best Water Supply City" fully escorts the drinking water safety and quality of Hecheng people through measures such as "Five Waters Governance", water ecological wetland protection, water diversion from outside the city (Qiandao Lake water source), upgrading of water-making technology of water plants and transformation of water supply pipe network.

According to the new standard, all the indexes of tap water quality in Jiaxing city meet the standard. For example, in the test results of water in pipe network, the permanganate index changed from the original1.5mg/L decreased to about 0.5mg/L now, the total hardness decreased from 181mg/L to 81mg/L, and the total soluble solids decreased from 276mg/L to 145mg/L, all of which are far superior to the latest national Hygienic Standard for Drinking Water (GB 5749-2022), and even better than the Standard for Drinking Water Quality, which regulates and guides direct drinking water. At present, the quality of drinking water in Jiaxing has changed from qualified water to high-quality water.

Ecological improvement, wetlands benefit the people.Since the "Five Waters Governance", Jiayuan Group has continuously improved the quality of water ecological environment. The main water sources of its two water plants, Shijiuyang Water Plant and Guanjinggang Water Plant, are Xincheng Pond and Haiyan Pond, which belong to the Beijing-Hangzhou Grand Canal system and are transit surface water, and there are many uncontrollable factors. Facing the current situation of "water shortage" of drinking water source, since the two wetlands were put into operation, the main pollution indexes in raw water have been purified by using wetland circulation system, and the indexes such as ammonia nitrogen and total phosphorus have been improved. Since 2017, the water quality of the water source has reached the Class III water standard, further improving the water supply safety.

Extraterritorial water diversion, the source of water for the people.In June 2021, the "Hundred Years and Hundred Projects" major livelihood project-the water distribution project in urban areas outside the city was officially put into use. After the project was put into operation, it and the local ecological wetland water source formed a "double water source" water supply security guarantee in Jiaxing City. At present, about 40% of the tap water provided to the public is high-quality water sources outside the city, which has improved the water quality at the source. After the operation of the water diversion project outside the territory, the water quality of the factory water and the pipe network water is obviously improved, and the sensory properties and general chemical indexes affecting the taste are obviously reduced, among which the permanganate index, sulfate, total dissolved solids and total organic carbon of the pipe network water are reduced by 35.9%, 35.3%, 33.7% and 25.1% respectively.

Process upgrading, water quality benefiting people.Contract in pipe network60% of the water comes from Shijiuyang and Guanjing Port, two major water sources at the city level. Before the Spring Festival this year, Shijiuyang and Guanjing Port operated the most advanced nanofiltration process in the world. At present, the local water source adopts the combined process of "biological pretreatment+strengthening routine+ozone-activated carbon advanced treatment+nanofiltration membrane treatment", which not only "quenches thirst" for the problem of "water shortage" in Jiaxing area, but also provides high-quality drinking water for the citizens at the city level. With the completion of the first phase of the upgrading project of nanofiltration membrane technology, combined with the high-quality water outside the city, the permanganate index, sulfate, total dissolved solids and total organic carbon in the water of the city-level tap water pipe network decreased by 66.7%, 76.1%, 47.5% and 63.0% respectively, which significantly optimized the sensory properties and organic comprehensive indicators affecting the taste, and improved the taste of drinking water.

In the past two years, the quality improvement project carried out in Jiaxing City has simultaneously transformed the tap water pipe network, replacing the old pipe network with high-quality pipes such as ductile iron pipes and stainless steel pipes. At present, Jiaxing City is about88% of the main pipes are made of high-quality pipes (especially in the central city), and the risk of secondary pollution in the water distribution network is effectively controlled.

When the hybrid car developed into the second half, it was not the user’s taste that became higher, but the user’s eyesight became awkward. It is increasingly found that price is not the only indicator of hybrid cars, and cars with high performance, high intelligence and high safety are worthy of the money in their pockets. Cars are not toys. They will be replaced and eliminated after buying for one or two years, but will bring long-term high-value travel experience. Therefore, cars manufactured with high standards are worth starting with.

The 2025 LECK 08EM-P, which was launched on August 8, is a high-value hybrid SUV choice worthy of users’ travel and life in terms of strength and quality.

Between low price and high value, there are always people who prefer the latter.

In the former automobile market, there were always people who thought that low price was king. As users became more aware of automobiles, they tended to be more value-oriented.

The 2025 LECK 08EM-P has six models: 120 long battery life Plus version, 120 long battery life Pro version, 120 long battery life version, 245 long battery life Pro version, 245 long battery life Halo version and 220 four-wheel drive performance Halo version. The battery life in pure electric mode adopts stricter CLTC working conditions. CLTC is based on the actual driving conditions in China, including urban, suburban and high-speed driving conditions, and the battery life test is more in line with it. On the surface, the LEICK 08EM-P with a low battery life of 120km seems to be equivalent to the 121km Tang DM-i, but the Tang DM-i still uses a relatively loose NEDC working condition count. In terms of comprehensive endurance, the LECK 08EM-P with CLTC working condition of 1400km is obviously more realistic than the Tang DM-i with NEDC working condition of 1100km.

?On the power system level, the Lectra 08EM-P super extended-range electric system consists of P1 and P3 motors +P4 motor +1.5T electric hybrid engine, which together form a high-performance architecture. Specifically, the P1+P3 motor architecture is a rear-wheel drive model, and the P1+P3+P4 motor architecture is a four-wheel drive model. Logically, the engine generates electricity for P1 motor, and the rear-drive vehicle is driven by P3 motor, with a maximum power of 160 kW and a peak torque of 350 N m.. The four-wheel drive model is driven by P3+P4 motor, and the peak power of P4 motor is 156 kW. The comprehensive maximum power of the system is 436 kW, the comprehensive maximum torque is 905 N·m, and the acceleration of 100 kilometers is only 4.6 seconds.

The DHT three-speed transmission of LINKE 08EM-P can realize the flexible switching between engine and motor, and bring more accurate power distribution under different road conditions. In the specific operation experience, the driver of the 08EM-P can choose the appropriate gear in different road environments and match the power with different intensities, thus bringing a precise sense of control. And the shifting logic is very clear, and the power acceleration is not all of a sudden, but a linear acceleration experience.

In contrast, Tang DM-i’s CVT gearbox has the advantages of strong ride comfort, but its disadvantages are also quite obvious: first, CVT gearbox is prone to cold protection problems, and it may take a long time to start in cold environment, which may also lead to the inability of vehicles to speed up effectively. Secondly, the transmission belt of CVT gearbox is fragile and easy to be damaged in harsh driving environment, which requires more frequent maintenance and replacement, and the actual vehicle maintenance cost is higher. Thirdly, CVT gearbox will obviously feel the lack of power on vehicles with strong power, especially on uphill sections, which is one of the reasons why BYD plug-in and hybrid vehicles have not adopted the strategy of high power.

In the era of intelligent flooding, Linke 08EM-P has implemented the user’s needs.

At present, the new energy vehicle market has entered the era of intelligent flooding, which is manifested in the stacking of non-vehicle intelligent configurations, such as the "refrigerator color TV sofa" that people often vomit. On the aspect of integrated intelligence, LEEK 08EM-P upgraded the car system to OTA version 1.6.0. The overall intelligent cockpit performance of the car is different from the current flood era. It follows the principle of "making the car practical and intelligent to the extreme" and implements the needs of users.

If you are installed with the identity of "Leader 08EM-P Owner" now, you don’t need a physical key to get on the bus, and your Apple mobile phone, watch and proximity can open the door for you, realizing a feeling of unlocking/locking, and making your travel life more scientific and technological. When you sit in the driver’s seat, you don’t need to look down at your mobile phone or central control screen navigation when driving, because there is the largest 92-inch AR-HUD mass-produced in the industry, which directly presents three-lane information, AR navigation, ADAS assistance and other information on the front windshield. In terms of car experience, the LYNK Flyme Auto car system of LINKE 08EM-P is the first to take the Antola 1000 Pro computing platform, which integrates two 7nm "Longying No.1" chips independently developed in the industry, and the computing power of a single chip is comparable to that of Qualcomm 8155 car chip, and it has larger running and storage memory, which is smoother and faster in car startup and functional experience.

When you want to watch the video on a big screen, use the 15.4-inch ultra-clear full screen of LTPS LCD display technology, which has a picture quality of 2.5K and a color gamut as high as 85%, which can show more colors. The sound quality experience is even more impressive. As the only SUV model equipped with Harman Kardon 23 plus WANOS panoramic sound within 200,000, the Lectra 08EM-P has brought a million-level extreme sound experience at a price of 200,000. In terms of sound surround telepresence, the top "sky sound" surround channel is added to the Lectra 08EM-P cockpit, which enhances the depth and telepresence of the sound image compared with the two-channel stereo, and it seems to be surrounded by sound when sitting on it. In addition, the car system is equipped with WANOS Panoramic Audio APP, with its high-quality panoramic audio-visual entertainment resources to realize audio-visual synchronization, which can bring you and your family a more immersive and shocking audio-visual experience.

On the intelligent voice level, Aicy voice assistant can support four-tone recognition, which has higher understanding and execution ability, not only supports custom wake-up words, but also can customize a variety of images to make the dialogue more vivid and interesting. Crucially, Aicy voice assistant can realize multiple rounds of communication according to the context of the whole context, which really brings an intelligent experience of "seeing and speaking".

Not only that, LINKE 08EM-P also has innovative functions of sentry mode and car wash mode. Sentinel mode In the parking scene, vehicles can monitor suspicious targets by looking around the fisheye camera, rely on the acceleration sensor to detect the risk of collision, and give a double flash warning to the outside world in time. It can also record and store suspicious scenes and notify the owner. When the car wash mode is turned on, the vehicle will close the window, trunk, charging cap, fuel cap, wiper, etc., and disable the approaching vehicle to unlock and leave the vehicle, effectively preventing water seepage and ensuring vehicle safety.

In intelligent driving, LEEK 08EM-P is equipped with Lynk Co-Pilot Navi intelligent navigation assistance system, which not only performs sensitive and fast in daily adaptive cruising, overtaking, going up and down ramps and other road conditions, but also has various lane-changing functions such as autonomous lane change and voice control lane change, taking into account more scenes. It is worth mentioning that when the Lectra 08EM-P encounters a big car, it will take the initiative to avoid it, deliberately widen the front and rear distance from the big car, and in the process of overtaking, pull the horizontal distance from the big car, reduce the parallel time, relieve the driver’s driving fatigue and pressure, and ensure driving safety.

In terms of road perception, LEEK 08EM-P supports 10 perception cameras and 5 millimeter-wave radars, and relies on centimeter-level precision maps to guide navigation. Together with two black sesame intelligent Huashan A1000 chips with a cost-effective ratio of up to 116 TOPS, it realizes the algorithmic arrangement of road environment and helps vehicles realize the intelligent driving performance of L2+ high-order parking.

Whoever ignores security is the enemy of users.

Consumers want cars with lower prices, but irrational price wars will only harm the interests of users in the end. Some brands take the lead in setting off price involution, which seems to be more cost-effective. In fact, they cut corners on invisible core components and car-making technology, and use iron oil tanks, ultra-thin and ultra-short front and rear anti-collision beams, and chopsticks-slender chassis suspension, which bring great hidden dangers to the safety of the whole vehicle. Such cost-effective is not the price that users want, and such brands can also be regarded as the enemies of users.

In sharp contrast with such a brand model, the price of the Lexus 08EM-P, which is already quite ahead in terms of three-electric system and intelligence, starting from 179,800 yuan may not be cheap, but it is also within the reasonable price of high-value plug-in SUV. Crucially, LEEK 08EM-P is a benchmark in vehicle safety.

The LEICK 08EM-P is made of thermoformed steel with the maximum pressure of 2000MPa, and the proportion of high-strength steel and aluminum alloy in white body is as high as 75%. It is equipped with aerospace-grade 7 series aluminum alloy front crash beam, and the integrated thermoformed boron steel door knocker and superelastic honeycomb filling technology are adopted for the first time, which can alleviate more impact energy, and the performance of materials exceeds that of brand luxury cars.

In addition, the car is equipped with an extended head air curtain with a length of 2000mm, which runs through the ABC column and covers the whole window area. After bouncing off, the pressure can be maintained for 6 seconds, which brings longer personnel protection. Adding 120L super-large passenger airbag can further ensure the safety of the passenger’s head. Finally, in terms of battery safety that people are most concerned about, Linke 08EM-P adopts the first integrated DP1180 bottom guard plate with the tensile strength of 1200MPa, which far exceeds the safety standard of the national standard, and can realize 50ms high-voltage power failure due to collision and bid farewell to the natural danger of battery fire.

Based on its solid performance in safety, LEEK 08EM-P obtained the first domestic certification of "60km/h side impact protection of new energy passenger cars with superimposed side pillars" issued by China Automotive Research Institute.

Jianghu car review:

In the just-concluded platform test, the Lectra 08EM-P stood out among 35 models, and won the first lap time of SUV with 2 minutes and 19.87 seconds, which fully reflected the excellent handling performance of CMA Evo architecture. The 2025 Lectra 08EM-P is not the first model of Lectra 08EM-P. Since it was launched one year ago, the cumulative sales volume has exceeded 80,000, and its high-value travel quality has been recognized by users. Its brand, Linke, also rolled off the production line for the millionth vehicle in less than six years, becoming the fastest high-end automobile brand in China and the truly recognized high-end automobile brand in China. The Lexus 08-EM-P, which is built with heart, advanced technology and solid materials, is a high-end new energy SUV choice that most people can’t avoid.

　　[car home Long-term Test] How time flies! Three weeks passed in a flash. In the recent period, I found that I and my family really can’t live without this car more and more. It is convenient to use a lot of space, and the comfortable configuration can basically satisfy me. (|) It is really cool to use it every day. Therefore, in this issue, we mainly talk about the performance of GM6 in terms of ride comfort and space, including some minor improvements I have made to the second row of seats. If you have any questions after reading it, you can leave a message under my editing blog and I will give you a reply as soon as possible.

　　◆ Experience of the ride and space:

　　The second row of seats is not designed with floor slides like the benchmark models such as GL8 and Odyssey, so its range of forward and backward movement is quite limited. The backrest of the seat can be tilted backward at a large angle, but the forward range is extremely limited, and the whole seat does not have the function of folding forward. In addition, the seat itself has no additional charging interface or storage slot, just two comfortable seats, lacking some exquisite designs.

　　The children’s seat was removed from my old car, and the most versatile seat belt type fixing method was adopted. Naturally, there was no problem when it was placed on the second row seat of GM6, and the backrest fit was also very good. After it was completely fixed, the seat was not easy to shake and would not bring security risks.

　　GM6 was developed based on the cross-platform modular architecture of Guangzhou Automobile G-CPMA. The same architecture also produced 18 models in two series, namely GM8, GS5, GA6, GE3, etc. The architecture is really malleable. However, GM6′ s convenience in getting on and off in the rear row is still somewhat unsatisfactory. Except for the side sliding door, there is no step design when the height of the rear floor is high. The measured height from the ground to the floor is 420mm, which will be somewhat unfriendly to the elderly or children with mobility difficulties. In this respect, GM6 makes people feel that its back row is not like a traditional MPV, so we should continue to learn the Odyssey.

　　Some of GM6′ s third-row seats draw lessons from the design of Japanese cars, and the whole seat leans backward, so the hip center position will be lower. In addition, the design of the floor groove will further release the leg space, and the design of the third row can really give consideration to comfort and practicality.

　　During the long-term test, it is rare to be full, so I use the diagram in my colleague’s test article to show the storage capacity of the trunk in the six-seat state.

　　Most of the time, I use GM6 as a "four-seater nanny car" and never worry that I can’t put my luggage down. Occasionally, I have to go back to my parents’ house with my daughter-in-law on weekends, so there are many things that need to be loaded in the trunk. My daughter-in-law’s clothes, children’s toys, and sometimes two baby carriages need to be loaded. Of course, these are not problems. GM6 can really be loaded.