In 1937, on the north bank of Suzhou Creek in Shanghai, the once feasting was covered by war and smoke, and the singing and dancing was replaced by endless gunfire. Once the most prosperous ten-mile foreign exchange, it has now become a purgatory on earth. The whole city was in flames, and all it saw was ruins.

In 2020, on the north bank of Suzhou Creek in Shanghai, high-rise buildings are bustling with cars coming and going, which is even more lively than the once Shili Yangchang. However, the wall full of bullet holes in the four-row warehouse is still striking. "China will not die, China will not die, you see that national hero Xie Tuanchang; China will not die, China will not die, you see that eight hundred heroes is fighting alone to defend the battlefield. " The lyrics of this song "eight hundred heroes" desperate against the enemy in the four-row warehouse still make people excited.

With the popularity of the film The Eight Hundred, the story of "eight hundred heroes" once again returned to the public eye.

On September 3rd, it was the 75th anniversary of the victory of Chinese citizen War of Resistance against Japanese Aggression and the World Anti-Fascist War. The reporter from the upstream news (reporting micro-signal: shangyounws) walked into the Anti-Japanese War Memorial Hall of Shanghai Sixiang Warehouse, and approached the defense war that had been broadcast live to the whole world.

▲ On September 3, Shanghai, the four-row warehouse in the war shot by Hailan Lyon was exhibited in the Anti-Japanese War Memorial Hall of Shanghai Four-row Warehouse. Image source/Shanghai Sixing Warehouse Anti-Japanese War Memorial Hall

Defend the four-line warehouse

"In 1937, I was 14 years old, a middle school student, and my family lived at Xinzha intersection, across the Suzhou River is a four-row warehouse. I climbed the wall and watched through a telescope. I witnessed a soldier, covered in grenades, jumping from the air and killing the Japanese army. I also saw the top floor of the warehouse, and the lonely soldiers sacrificed heroically to protect the flag. These tragic battle scenes will never be forgotten by me. " In 2015, shen ji, an old man who witnessed the defending war of Sihe Warehouse, wrote the situation in calligraphy. This historical record is still preserved in the Anti-Japanese War Memorial Hall of Sihou Warehouse.

That war-torn era came before us.

Founded in 1931, Sihang Warehouse was the stack of savings associations of Jincheng, Mainland, Salt Industry and Zhongnan, and it was also the tallest and largest building in Zhabei, Shanghai at that time. On August 13, 1937, the Japanese invaders attacked Shanghai on a large scale, and the "August 13" Sino-Japanese War broke out in an all-round way. On October 26th, the stadium fell, and China’s army line north of Suzhou River collapsed. The high command of Nanjing National Government decided to evacuate the Central Operation Group originally stationed in Zhabei, Jiangwan and Miaohang to the south bank of Suzhou River in western Shanghai. At this time, the meeting of signatories to the nine-nation convention is just around the corner. In order to swear the confidence and determination to fight the war to the end at home and abroad and win the support of the international community, the high command department of the National Government issued the order of "retaining the main force and persisting in fighting in Zhabei".

Late at night on October 26th, 524, 262nd Brigade, 88th Division, accompanied by Xie Jinyuan, was ordered to go to the "four-line warehouse" where HQ was located, and accepted the order to stick to it for defense handover. In the middle of the night, Xie Jinyuan, attached to the Lieutenant Colonel Regiment of the 524th Regiment of the 262nd Brigade of the 88th Division, who graduated from the fourth phase of the Whampoa Military Academy, was in danger, and led more than 420 officers and men of the 1st Battalion of the 524th Regiment to enter the four-line warehouse to hold on.

In order to confuse the enemy and strengthen the momentum of the four-line garrison at the same time, the four-line garrison unified its caliber, saying that there were 800 people in the four-line warehouse, so the outside world honored it as "eight hundred heroes".

On the morning of the 27th, the Japanese army found that there were still China defenders in the four-row warehouse and launched an attack, which was violently blocked by the "eight hundred heroes". On the evening of October 28th, Xie Jinyuan conveyed to the soldiers who fought fiercely with the Japanese army for two days the command of "defending the four-row warehouse and surviving with the last position".

At that time, the London News Chronicle published an editorial saying: "The Chinese army’s battle against the Japanese attack in Shanghai was indeed the most heroic page in the history of any country. The loyal and brave resistance of the Chinese army in Shanghai should move the delegates attending the nine-nation convention meeting."

▲ On September 3rd, Shanghai, the war situation written by the witnesses in 2015 was preserved in the memorial hall, among which the little soldier was Shusheng Chen. Photo/upstream journalist Shi Tingting

A letter from home is a suicide note

In the Anti-Japanese War Memorial Hall of Sihu Warehouse, the scene of eight hundred heroes writing a suicide note was restored. In the scene, a soldier was sitting at a table, writing a letter from home seriously, while the soldiers next to him were dictating, while others were watching and some were sitting by waiting.

"My father asked the soldiers, what is this place? Some people say that this is a four-row warehouse, and some people say that this is the headquarters of the 88th Division. My father said no, this is not a four-row warehouse, nor is it the headquarters of the 88 th Division. This is the grave of more than 400 of us. " Xie Jimin recalled in his book My Father, General Xie Jinyuan that many soldiers could not write or never wrote a letter from home. Xie Jinyuan asked every soldier left behind to write a letter to his family, but in fact this letter from home was the soldiers’ suicide note. These soldiers are as young as 16 or 17, and as old as 20.

"Qiao Ying, my wife loves to learn: I will soon lead my troops into the war in Songhu in a few days, and I will specially repair the inch notes to comfort my distant thoughts. Half of China’s rivers and mountains are being eaten away by the sun, and the disaster of national subjugation and extinction is caused by others, and it is my fault. If I don’t pay attention, my descendants will have no class. Killing the enemy for the country is a revolutionary soldier’s ambition; Soldiers should not have a family, but I have it now, and my family is thin, and my relatives are thin. My heart is not stone, so I can call without care! But the duty is to be a country and not to take care of the family. Lao Qing takes full responsibility for the comfort of old relatives, the upbringing of children and all the measures of housework, so as to avoid the distraction of travelers. ….. "Xie Jinyuan wrote in his letter.

At dawn on October 27, the war was just around the corner. At this time, the wall between the four-row warehouse in the west and the warehouse in the mainland bank in the east has been opened, and the soldiers carried bags of wheat, soybeans and cotton, bundles of cowhide, silk cocoons and cloth, and tubes of white newspapers to block doors and windows. At 7: 30, the battle started. Enemy soldiers searching from east to west have entered the building of the Second Road Bureau of North Station. At the same time of head-on engagement, the Japanese army sent three planes to scout around and bombed when they found the target. At 1 o’clock in the afternoon, the Japanese army began to attack the defenders of the warehouse, and the four-line warehouse defense war started from then on.

Xie Jimin wrote in My Father, General Xie Jinyuan: A Japanese team set off from the Bank of Communications in the west and swaggered eastward along Guangfu Road. Enemy mortars around the Bank of Communications also bombarded our position. Chen Qifan, the platoon leader of the third company and three rows, commanded two classes of soldiers to hide behind sandbags. When the enemy soldiers approached the entrance of Manchuria Road (now Jinyuan Road), he commanded that seventeen grenades would go to Qi Fei, and then the machine guns and rifles swept away, causing the enemy to flee back quickly. Jiang Jingban, who was ambushing in the house, threw another batch of grenades. The enemy left seven bodies and left in a mess.

On the 27th, more than 20 people were wiped out in the dry bridge blocking war and subsequent battles, and all the 88th Division, 524th Regiment, 1st battalion, 2nd company, 1st platoon and 1st class were sacrificed.

▲ On September 3rd, Shanghai, Xie Jinyuan’s photos were exhibited in the Anti-Japanese War Memorial Hall of Shanghai Sihang Warehouse. Image source/Shanghai Sixing Warehouse Anti-Japanese War Memorial Hall

Give one’s life to bomb the enemy Shusheng Chen

At 1: 30 a.m. on the 28th, the Japanese gunfire gradually became silent and the night became calm. But the Japanese attack did not stop. Unable to break through the wall, the Japanese army shifted its target to the warehouse gate, trying to blow up the warehouse gate and enter the four-row warehouse.

"The light and heavy machine guns fired violently, hitting the east wall of each window like a honeycomb. Cement fragments and soil ash flew with the bullets, making people’s faces and eyes full of cement powder ash." Xie Jimin wrote in "My Father General Xie Jinyuan" that suddenly, a gunshot sounded on the second floor, which was particularly crisp in the silent night. Soon I heard the deafening explosion of grenades. Xie Jinyuan quickly called around the guards and fighters, a total of more than 10 people, like flying to the downstairs. At this point, the northwest corner window on the second floor rang with the explosion of a Grenade.

At 3 o’clock in the morning, more than 40 enemy troops sneaked under the northwest corner wall of the warehouse from Guoqing Road to the east, and then climbed to the second floor window along the downspout and corner projection of the building. Zhang Aolin, a soldier of two companies and three rows guarding the place, stood by the window with a gun. Guo Xingfa, who came up to support in a row, leaned against the low wall built with coarse grains and hemp bags two meters away, staring at the little light from half a window. Zhang Aolin shot at the window. When Xie Jinyuan led the fighters to arrive, the enemy had climbed into more than 20 people from the window one after another, and more than 20 enemies were all wiped out after a fight.

Before dawn on the 28th, the soldiers found that there were enemy soldiers playing flags on the Suzhou River in the west block of the new garbage bridge to recruit infantry and tanks to attack. More than 20 enemy soldiers have sneaked under the warehouse wall before dawn, with steel plates blocking their heads. Several engineers are desperately digging holes in the wall, and several others are ready to install explosives in the holes for blasting. Tanks and infantry will attack only when the iron gate is damaged or the wall is blasted.

At this point, Xie Jinyuan is preparing to take drastic measures to send death squads to drill holes in the wall. When attacking the enemy’s rear road from the cigarette paper shop, Shusheng Chen, a member of the death squad on the fifth floor, tied several grenades to his body, pulled the fuse, and suddenly jumped to the enemy from the fifth floor window. The grenades exploded under the steel plate, and all more than 20 enemy soldiers were killed or shocked. Shusheng Chen, who was only 21 years old, died heroically. He was the soldier covered with grenades that shen ji saw from the other side.

▲ On September 3rd, Shanghai, the scene of Shusheng Chen’s "Sacrificing his life for righteousness" in the Anti-Japanese War Memorial Hall of Shanghai Four Stores. Image source/Shanghai Sixing Warehouse Anti-Japanese War Memorial Hall

Live broadcast to the whole world

The particularity of the four-line warehouse is not the sturdy and durable military attribute of the bank warehouse, but the public concessions of Britain, France, the United States, Italy and other countries are separated by a water on the southeast side. After the war broke out, most people entered the concession to escape the war. As described in the movie The Eight Hundred, every battle in the four-row warehouse is like a live broadcast.

Xie Jimin wrote in My Father, General Xie Jinyuan: "The morning (October 27th, 1937) blockade war attracted some people’s attention, while the fierce gunfire in the afternoon attracted more and more people to watch the war. When hundreds of enemy troops were defeated and fled under the attack of our army, the people across the river were delighted. "

The gunfire of "eight hundred heroes" sticking to Zhabei No.4 warehouse alone touched the mood of more and more people. From the afternoon of October 27, 1937, people began to gather on the south bank of Suzhou River to look at the fighting on the other side. Now, standing on the other side of Suzhou Creek and seeing the devastated walls, we can still feel the tragic war and the people’s anger.

With the battle for the four-line warehouse entering a white-hot stage, more and more media came to the concession to report the war "live". Shen Bao, News, Ta Kung Pao and Li Bao all reported the war information at the fastest speed. According to statistics, the daily sales volume of newspapers at that time was as high as 200,000. On October 28th, all kinds of newspapers in Shanghai and all over the country published the news of "Four Lines Alone eight hundred heroes Heroically Killed the Enemy" on the front page. At the same time, English Zilinxi Newspaper, Beihua Jiebao, French Times Youth, and Russian Pravda reported the battle situation of the four-line warehouse defense.

At that time, the media reported that since 8: 00 a.m. on the 27th, a fire broke out in Jiangwan, Zhabei district and the west of Maigen Road Station in Shanghai, with smoke covering the sky and flames flying. The fierceness of the fire is unprecedented in Shanghai. Although the army has retreated safely, there are still a few officers and men in many high-rise buildings who refused to be ordered to retreat and would rather spill the last drop of blood and fight the enemy to the death. At noon on the 27th, the reporter went to a place on the south bank of Suzhou River to observe the situation on the other side, and witnessed an earth-shattering scene amid the scattered gunfire. More than 800 people from the 1st Battalion of the 88th Division, led by Xie Jinyuan, the head of the division, and Yang Ruifu, the battalion commander, are still surrounded by flames and the enemy. With their last drop of blood and the last bullet, they demand the price from the enemy, and are performing a heroic drama that will make the world cry and make the gods cry, and will last forever in history.

▲ On September 3rd, Shanghai, a large number of news reports on the four-line defense war were kept in the Anti-Japanese War Memorial Hall of Shanghai Four-line Warehouse. Photo/upstream journalist Shi Tingting

Defence war with participation of the whole people

As the headquarters of the 88th Division, Sihang Warehouse has plenty of ammunition and a lot of miscellaneous grains, such as soybeans, wheat and corn, but there is no salt. Soldiers can only rely on boiled soybeans to satisfy their hunger. Cooking soybeans and wheat rice takes a break from the battle. When the battle is tense, they don’t have time to eat when they are cooked, and they often get a meal one day and one night. On the evening of October 27th, some soldiers discovered that there were radishes, so they used tung oil for cooking, and many soldiers suffered from food poisoning. Xie Jinyuan immediately called the medics, tried to make the soldiers vomit, and asked them to drink more water and excrete more.

Xie Jimin wrote in "My Father General Xie Jinyuan" that Xie Jinyuan, through the British troops guarding the new garbage bridge (now Xizang Road and Bridge), sent a letter to the then Shanghai Mayor Yu Hung chun, asking for support of 500 pounds of salt and sugar and 50,000 cakes. However, the news was learned by the reporters waiting at the bridgehead and immediately published in the newspaper. The radio station made a broadcast on the evening of the 27th, which suddenly became an open letter, causing great shock in the hearts of the people in the concession.

According to witnesses’ memories, the south bank of Suzhou River stretches from Xizang Road in the east to Wuzhen Road Bridge and Xinzha Road in the west, and the gaps between roads, open spaces and buildings are crowded with people wherever you can see the four-row warehouse across the river. After learning the news, people and people from all walks of life sent all kinds of materials to the south bank of Suzhou River, asking the British troops guarding the bridge to let them cross the bridge and send food to the warehouse, but they were all rejected by the British army. Many people are so anxious that they can’t wait to throw their materials across the river, but the river is wide and everything falls into it. Not only people from all walks of life donated money and materials, but also coolies and rickshaw pullers joined the donation team.

Xie Jimin wrote in "My Father General Xie Jinyuan" that 244 refugees in No.80 Refugee Shelter on Yu Qiaqing Road went on a diet for half a day, saving 9 yuan 22 cents, and 712 people in No.101 Refugee Shelter on Guangdong Road went on a hunger strike for one day, saving 65 yuan, and sent them to local associations one after another, and entrusted them with the goods to help the lonely people in the four-line warehouse. Three pie vendors on Xinzha Road closed for one day and made 600 or 700 pies as gifts to eight hundred heroes.

Knowing that light cakes are the most popular military food for soldiers, Shanghai citizens put 10,000 light cakes and cooked beef into round iron drums, welded the drum cover firmly, and rolled them with bamboo poles from the east side of Xizang Luqiao North Road to the small cigarette paper shop next to the four-row warehouse (when the four-row warehouse was stationed alone, it was specially communicated with the small cigarette paper shop next to it). After receiving the "eight hundred heroes", just pry open the drum cover with a bayonet. At the same time, all kinds of medicines, ambulance supplies and newspapers and publications were also sent to the four-row warehouse, which inspired the soldiers’ fighting spirit. Affected by public sentiment, the defenders in the concession can only turn a blind eye to the default rescue behavior.

On October 29th, when the flag sent by Yang Huimin, a patriotic boy scout wartime service group of the Shanghai Chamber of Commerce, was raised on the roof of the four-row warehouse, the people watching the battle across the river cheered. According to a reporter from the East China News Agency at that time, "There are two flags hanging from the south window of the four-row warehouse, and the roof of Chonglou is about six feet long and four feet wide, which floats with the wind. Among several enemy flags nearby, it is awe-inspiring to show that it is inviolable. The people looked up at it and were also excited. They resolutely respected eight hundred heroes’s spirit of loyalty and courage. "

▲ On September 3, Shanghai, the lonely army who was evacuated from the four-row warehouse was exhibited in the Anti-Japanese War Memorial Hall of Shanghai Four-row Warehouse. Image source/Shanghai Sixing Warehouse Anti-Japanese War Memorial Hall

Retreat under fire

October 30 is the fourth day of the four-row warehouse battle. Japanese diplomats and military leaders in trouble made explicit remarks one after another, threatening and intimidating the concession authorities to take immediate measures to eliminate the resistance of "eight hundred heroes" in the four-row warehouse. The Japanese naval attache in China, Major General Honda Fu, and the commander of the Japanese Third Fleet, Lieutenant General Tanigawa Kiyoshi, successively spoke, threatening that the Japanese army would resort to extreme measures to deal with the Japanese defenders regardless of the consequences. This means that heavy bombs will be dropped by planes and bombarded with long-range heavy guns. If bombs and shells deviate from the direction and blow into the gas tank on the south bank of Suzhou River, it will cause very serious consequences. Under the pressure of all parties, Xie Jinyuan received an order to retreat. The retreat that night was violently attacked by the Japanese army.

Xie Jimin described in "My Father General Xie Jinyuan" that the Japanese army may find out from various signs that the defenders are going to retreat. The number of light and heavy machine guns erected in and around the semi-underground bunker of the new building at Qufu intersection of North Xizang Road has increased to four, and two searchlights have been installed, which will shine like day in the area of Luqiao block in North Xizang. Under the irradiation of searchlights, enemy machine guns rained down, and enemy tanks also bombarded them constantly, tightly sealing off the road sections that the troops had to pass through. The enemy’s three-inch flat-fire guns placed at the intersection of Kaifeng also fired from time to time.

The witness recalled that at that time, the British army laid a big English Mitzi flag on the land near the bridge block on the east side of Xizang Road, indicating that it was a public concession. A section of the barbed wire shelf in the middle of the road was also removed. The British troops evacuated from the bridgehead bunker guarded the windows and walls upstairs of the Bank of China warehouse. The British squad leader was ordered by his superiors to open one of the two iron gates along Xizang Road, which was opposite to the cigarette and paper shop outside the four-row warehouse, and was ready to enter when he retreated alone.

That night, the Japanese artillery fire was more violent than usual, not only shooting at the four-row warehouse area, but also shooting at the Ludong concession and the new garbage bridge. A total of 89 shells were dropped in the public concession on the south bank of Suzhou River. Shells rained on the 200-meter-long new garbage bridge, and the whole retreat process touched everyone’s hearts.

After repeated offensives and defenses, personnel, firearms and ammunition were safely transported out.

▲ On September 3rd, Shanghai, the four-line warehouse was converted into the Anti-Japanese War Memorial Hall of Shanghai Four-line Warehouse. Photo/upstream journalist Shi Tingting

Rebuild the four-line warehouse

In the Battle of Songhu, even in War of Resistance against Japanese Aggression, the battle of defending the four-line warehouse left a deep impression in history. Today’s four-row warehouse has faded from the shadow of war, and the Suzhou River with rippling blue waves has also returned to calm. Standing on the Xizang Road and Bridge, you can’t see the bullet holes in the wall, but the gray wall is even more vicissitudes in the twilight.

After the victory of the Anti-Japanese War, in memory of the anti-Japanese hero Xie Jinyuan, the road from Shanghai North Railway Station to the west side of Sixiang Warehouse (formerly known as Manzhou Road) was renamed Jinyuan Road, and Jiaozhou Park, which is separated from the solitary military camp, was renamed Jinyuan Park. In 1983, Xie Jinyuan’s tomb was moved to the celebrity cemetery of Shanghai Wanguo Cemetery. In 2014, "Xie Jinyuan and other eight hundred heroes" was listed in the first batch of 300 famous anti-Japanese heroes and heros published by the Ministry of Civil Affairs.

In 2015, the Shanghai Municipal Government renovated the Sihang Warehouse and built the Anti-Japanese War Memorial Hall of Shanghai Sihang Warehouse on the 1st-3rd floors in the west of Sihang Warehouse. It is understood that the anti-Japanese war memorial wall on the west facade of the warehouse has retained its original appearance, and the eight bullet holes and 430 bullet holes on the wall have all been restored according to their original appearance and actual position. In the memorial hall, in the form of reliefs, sculptures, plastic figures, oil paintings, etc., the battle scenes of that year are reproduced, and the historical facts of Xie Jinyuan and "eight hundred heroes" sticking to the four-row warehouse are restored.

"Four lines of warehouses fought for four days and four nights, and’ eight hundred heroes’ fought bloody battles, conveying the firm will of the people of China to the end of the war of resistance. Under the banner of the Anti-Japanese National United Front, the heroic feat of "eight hundred heroes" in resisting foreign aggression has further inspired the patriotic spirit and national spirit of the people of the whole country to unite and devote themselves to the flood of anti-Japanese war, defend the country and save the nation. Under the banner of the anti-Japanese national United front, the heroic defense of the four-line warehouse and the courage and firmness of’ eight hundred heroes’ also established the national confidence that’ China will not die’. " Zhong Ye, a librarian of the Anti-Japanese War Memorial Hall of Shanghai Sixiang Warehouse, said that under the banner of the anti-Japanese national United front, China soldiers fought in Shanghai on August 13th, and fought bloody battles for more than three months. The vast number of patriotic officers and men courageously fought against China in three months, crushing the Japanese invaders’ arrogant attempt to "destroy in three months". "eight hundred heroes" stuck to the four-line warehouse and the people actively supported the four-line army, thus the whole world witnessed the national salvation plan of the Chinese nation.

Source of this article/My Father General Xie Jinyuan by Xie Jimin

Thank you for providing interview support to the Anti-Japanese War Memorial Hall of Shanghai Sixiang Warehouse.

Upstream journalist Shi Tingting

[Disclaimer] The texts, pictures, audio and video that are not marked with "Source: Upstream News-chongqing morning post" or "Upstream News LOGO" on the upstream news client are all reposted. If the reposted manuscript involves copyright issues, please contact the upstream news.

How to pay with the employer’s insurance? How to pay for personal participation in enterprise employee pension insurance? How much do you pay each year to participate in the endowment insurance for urban and rural residents? The new year has arrived. How to buy social security this year? Recently, the Chongqing Municipal Bureau of Human Resources and Social Security answered the popular enrollment questions, and the dry goods were full, which made it clear for you at one time.

Pay attention to these with the employer’s insurance.

With the employer’s participation in the insurance, you should note that the employer should apply for social insurance registration for its employees within 30 days from the date of employment.

How much is the monthly payment? Monthly payment amount = my monthly payment base × payment rate.

Among them, with the insured personnel of the employer, the monthly payment base of the employee is the average monthly salary of the previous year, and the monthly payment base of the new employee is the salary of the starting month.

If my average monthly salary (starting salary of the current month) is lower than 60% of the average salary of employed persons in the whole city in the previous year, 60% of the average salary of employed persons in the whole city in the previous year will be used as the monthly payment base; If my average monthly salary last year (starting salary for the current month) is higher than 300% of the average salary of employees in the city last year, 300% of the average salary of employees in the city last year will be used as the monthly payment base.

How much do you pay every month? At present, the average wage of employed persons used in the verification of the upper and lower limits of the payment base of the employer’s participation in insurance is temporarily implemented in 2022, that is, 82,348 yuan/year (6,863 yuan/month).

What is the specific rate? Pay the proportion of basic old-age insurance, work-related injury insurance and unemployment insurance for employees of urban enterprises according to the existing policies of various types of insurance. Among them, the industrial injury insurance rate is based on the industrial injury risk category corresponding to the industry to which the unit belongs, and the corresponding benchmark rate is implemented. Let’s take a look at the specific rate ↓

　

These people can apply to participate in enterprise employee pension insurance in their personal capacity.

According to the person in charge of the Chongqing Municipal Bureau of Human Resources and Social Security, flexible employees who are over 16 years old, have not reached the retirement age stipulated by the state, are willing to participate in the basic old-age insurance and have the ability to pay, and can voluntarily apply for the old-age insurance for enterprise employees in Chongqing as individuals.

How much is the monthly payment? Monthly payment amount = my monthly payment base × payment rate.

Among them, the monthly payment base is selected by the insured from 60% to 300% of the average wage of employed persons in the city in the previous year, and the payment rate is 20%. At present, the average wage of employed persons used in the verification of the upper and lower limits of the payment base is temporarily implemented by the average wage standard of employed persons in the city in 2022, that is, 82,348 yuan/year (6,863 yuan/month).

How much do you pay every month?

If you are insured according to the lower limit of the monthly payment base of 4118 yuan (that is, 60% of the average salary of employees in the previous year, that is, 6863 yuan/month *60%=4118 yuan), the monthly payment amount is 4118×20%=823.6 yuan.

If you choose to participate in the insurance according to the payment base of 6863 yuan (that is, 100% of the average salary of employees in the previous year), the monthly payment amount is: 6893×20%=1372.6 yuan.

How much do you pay for participating in the endowment insurance for urban and rural residents every year?

The person in charge of the Chongqing Municipal Bureau of Human Resources and Social Security said that urban and rural residents who have registered in Chongqing and have reached the age of 16 can voluntarily participate in the endowment insurance for urban and rural residents in Chongqing.

It should be reminded that full-time students and those who have received basic pension, retirement benefits or pension benefits on a monthly basis are not included. Those who have participated in the old-age insurance for employees, institutions and institutions shall not participate in the old-age insurance for residents at the same time.

How much do you pay each year? According to the policy, the old-age insurance for urban and rural residents in Chongqing implements the principle of combining individual annual payment, government subsidies according to grades and collective voluntary subsidies. At present, there are 13 payment grades, and the insured can choose by themselves.

Upstream journalist Tan Xu

Editor: Rao Zhimei Editor: Sun Qiongying, Zhou Shangdou Audit: Feng Fei

Blue and white paint sewage is soaked in the sewage pit hidden in the vegetable field.

The staff of the ecological environment department in Changping District are sampling and testing the treated sewage of a university.

　　The new campus of the university, which has been put into use for less than two years, has discharged 23 times more sewage than the standard; The paint workshop hiding in residential houses discharges dye wastewater into the seepage pit in the vegetable field outside the courtyard wall … … In the first half of this year, Beijing’s ecological and environmental departments carried out a series of comprehensive law enforcement actions, investigated and dealt with more than 2,000 cases of illegal stationary source environment, and fined more than 84 million yuan. Especially for serious environmental violations, such as seepage and sewage discharge, environmental law enforcement departments transferred 21 cases of public security administrative detention and 5 cases of suspected crimes to criminal detention, which effectively cracked down on environmental violations and promoted the improvement of the city’s environmental quality.

　　Recently, the Municipal Environmental Monitoring Corps announced ten typical cases of environmental violations in the first half of the year. The reporter sorted out some cases, interviewed front-line law enforcement team members and listened to them introduce the investigation and handling of the cases. It is understood that while strictly investigating illegal activities, the environmental department also actively coordinates the competent departments of the industry to promote the solution of problems such as insufficient disposal capacity, backward process equipment and low management level of sewage units such as hospitals, and realize the discharge of pollutants up to standard.

　　Case 1

　　Harmful wastewater from coating company illegally discharges vegetable fields

　　In recent years, with the promotion of environmental law enforcement, people’s awareness of environmental protection has been greatly improved. Under the supervision of the general public, polluting enterprises hidden in private houses and courtyards in the urban-rural fringe have no hiding place. In April this year, a citizen reported that a mysterious enterprise in Pingjiatuan Village, songzhuang town, Tongzhou District might steal sewage.

　　"The domestic sewage in the village has been collected and disposed of centrally, and it is likely that there are other problems in the water quality when enterprises steal sewage." Wang Gang, head of the monitoring group of key pollution sources of Tongzhou District Ecological Environment Bureau, told reporters. On April 12th, the law enforcement team of Tongzhou District Ecological Environment Bureau conducted a surprise inspection in conjunction with the police of Tongzhou Public Security Bureau’s Environmental Food and Drug Brigade Detachment and the staff of songzhuang town Municipal Government.

　　The company named Beijing Lvmeikang Coating Technology Development Co., Ltd. is located in a private house in Pingjiatuan Village, mainly engaged in color coating processing. In the process of processing, it is necessary to clean the mixing tank, which will produce wastewater of various colors. However, law enforcement officers did not find waste water in the room. Where did the waste water flow?

　　After careful search, law enforcement officers found that the cement floor of the workshop had traces of being re-covered after being demolished. So, I followed this trail and searched eastward until I came to a small dish outside the courtyard wall. Pull open the floating soil on the surface of the vegetable field, and a covered seepage pit is exposed. This pit is less than two meters deep and about one meter in diameter, and it contains blue and white sewage and sludge. "These sewage are hazardous wastes and must not be discharged into the seepage pit like this!" Law enforcement officers immediately ordered the enterprise to stop processing operations and seized the equipment.

　　According to the Criminal Law of People’s Republic of China (PRC), the Interpretation of the Supreme People’s Court and the Supreme People’s Procuratorate on Several Issues Concerning the Application of Laws in Handling Criminal Cases of Environmental Pollution, and the Measures for Linking Administrative Law Enforcement with Criminal Justice of Environmental Protection, Tongzhou District Bureau of Ecology and Environment transferred the case to the public security department according to law. The reporter learned that the relevant responsible person has been criminally detained.

　　Case 2

　　The sewage discharged from the new campus of the university exceeded the standard by 23 times.

　　On April 16th, the law enforcement team members of Nankou Environmental Monitoring Brigade of Changping District Ecological Environment Bureau came to a new campus of a university in Nankou Town to conduct routine supervision and inspection of sewage treatment facilities. This new campus was only completed and put into use in 2017, and a sewage treatment station was built on the campus, which can treat up to 2,000 tons of sewage every day. "Generally speaking, the equipment and technology of new sewage treatment facilities should be the most advanced, and there should be no problem in meeting the standards." The head of the brigade, Yong Yong, told reporters.

　　Law enforcement and monitoring personnel enter the equipment room and take samples from the treated pool with buckets for testing. As soon as the water came, KouYong frowned. "At least with the naked eye, the treated water is close to pure and transparent, which is not much different from ordinary tap water, but the water sample is obviously a little yellow."

　　After more than 20 days, the monitoring results showed that there was something wrong with the water quality. Kou Yong said that according to Beijing Comprehensive Discharge Standard for Water Pollutants, the concentration of ammonia nitrogen must be lower than 1.5 mg/L. However, the concentration of ammonia nitrogen in the sewage treated by the school is as high as 37.1 mg/L, which is 23 times higher than the standard. The punishment procedure was started immediately. According to the Law of People’s Republic of China (PRC) on the Prevention and Control of Water Pollution, the Changping District Bureau of Ecology and Environment ordered the unit to stop the illegal behavior immediately and imposed a fine of 180,000 yuan.

　　Kou Yong said that this university attached great importance to the situation of exceeding the standard and immediately put it into rectification. On May 20th, the ammonia nitrogen concentration has dropped to 0.355 mg/L after sewage treatment. According to the staff, the reason for exceeding the standard is that the process parameters of the equipment are not adjusted in time, and the membrane treatment is abnormal, resulting in the sewage treatment not reaching the standard. "No matter what the reason, as long as there is a pollution problem in the inspection, it must be punished strictly according to law." Yan Yong said.

　　Case 3

　　Wastewater from tableware disinfection enterprises seeps into the ground.

　　Nowadays, many restaurants offer sterilized tableware packaged in integral plastic film. These tableware are cleaned and disinfected by some specialized enterprises, and the cleaned sewage should be treated in a centralized and standardized manner. However, there will still be enterprises that violate the rules in this regard.

　　In March this year, Fengtai District Bureau of Ecology and Environment, together with the public security and water affairs departments, conducted an on-site inspection of Beijing Aojiekang Tableware Disinfection Co., Ltd. located in Zhaoxindian. This enterprise is large in scale and has an independent factory. The wastewater generated after disinfection first passes through two sedimentation tanks, then flows into the reservoir, and then is transferred to a third party for treatment.

　　Law enforcement officers found that this reservoir is about 4 meters long, 2.5 meters wide and 3.5 meters deep, and its capacity is not small. In contrast, the two sedimentation tanks are much smaller, with a side length of less than 1 meter, and yellow sewage is still soaked in them, and the smell is unbearable. Will there be problems under the sewage? The law enforcement officers did not take a look at it, but drained all the water in the sedimentation tank. The hidden problems really emerged.

　　The bottoms of these two sedimentation tanks are only lined with ordinary bricks without anti-seepage coating. "This means that the waste water from washing dishes can directly leak into the ground from the cracks in the bricks, causing pollution." Song Hening, head of a major case group of Fengtai District Ecological Environment Bureau, told reporters that law enforcement officers immediately ordered enterprises to stop production and monitor the pollution of sewage. Fortunately, the sewage has not yet reached the standard of hazardous waste.

　　Song Hening said that illegal discharge of pollutants by means of concealed pipes, seepage wells, seepage pits, etc. is an illegal act that is harmful to the environment. In addition to administrative punishment, the ecological and environmental department can also transfer the case to the public security department. If the discharge of hazardous waste reaches a certain amount, it is suspected of committing a crime. According to the relevant provisions of People’s Republic of China (PRC) Water Pollution Prevention Law, Fengtai District Ecological Environment Bureau imposed a fine of 100,000 yuan on the company and transferred the case to the district public security department. In the end, the relevant person in charge of the enterprise was sentenced to administrative detention.

　　Extended reading

　　Upgrading pollution control facilities in municipal hospitals

　　In recent years, the ecological and environmental departments at all levels in this city have intensified their supervision over the discharge of pollutants from medical institutions and universities. In last year’s special law enforcement inspection, the city’s ecological and environmental departments investigated and dealt with 67 environmental violations in 59 units, with a total fine of 8.83 million yuan, mainly in medical institutions. The reason why medical institutions have become high-risk places for environmental violations is summarized by the Municipal Environmental Monitoring Corps.

　　Sang Zhidong, the chief of the Third Supervision Section of the Corps, told the reporter that through analysis, some medical institutions have a weak awareness of environmental protection and insufficient internal attention. At the beginning of the investigation, a hospital only entrusted the staff of a third-party company to cooperate with law enforcement because of the excessive discharge of wastewater. After repeated requests by law enforcement team members, the official staff of the hospital came forward to accept relevant inquiries. In addition, some hospitals were built earlier, and the treatment technology of environmental protection facilities is backward, which is in urgent need of renovation. The Municipal Environmental Monitoring Corps randomly sampled 15 units, and 5 units exceeded the standard in suspended solids and chemical oxygen demand, accounting for as much as 30%. The main reason was the backward technology. Among them, in a hospital founded in 1955, the wastewater treatment facility was only a simple process of flocculation and sedimentation+disinfection, and it did not have biochemical treatment function, which was far from meeting the current medical wastewater discharge standards.

　　At present, in view of all kinds of problems found in daily law enforcement work, the Municipal Bureau of Ecology and Environment has actively communicated with the municipal medical management department and organized coordination meetings for many times to jointly study and solve specific problems. The reporter learned that the municipal medical management department has allocated funds to promote a number of municipal hospitals to upgrade pollution treatment facilities.

　　Sang Zhidong told reporters that this year’s special law enforcement inspection for universities and medical institutions is underway. It has been found that one university and four medical institutions have excessive water pollution discharge, with a total penalty of 670,000 yuan, which has dropped significantly compared with the same period last year.

　　related news

　　Record of the whole process of law enforcement of municipal fixed pollution sources

　　Previously, the Ministry of Ecology and Environment issued the "Implementation Opinions on Promoting the Recording System of the Whole Law Enforcement Process of the Administrative Law Enforcement Publicity System in the Ecological Environment System and the Legal Review System of Major Law Enforcement Decisions". The opinion requires that the whole process of administrative law enforcement be recorded by means of words, audio and video, filed and preserved according to the norms, and a management system for the whole process of law enforcement records should be established and improved. The reporter was informed that Beijing has recorded the whole process of law enforcement in the enforcement of fixed pollution sources.

　　Zhao Zhiwei, head of the Municipal Environmental Monitoring Corps, said that the environmental law enforcement team in Beijing should record the whole process from entering the scene to obtaining evidence. At present, the corps has established a spot check system, which has a spot check ratio for the law enforcement record process.

　　Zhao Zhiwei said that for environmental violations, the whole process of law enforcement records of law enforcement team members is also one of the supporting evidence. The second phase of the mobile law enforcement system has also been launched this year. Law enforcement officers can basically cover the whole process of law enforcement by entering the law enforcement information after entering the market. The system also has the functions of photographing, latitude and longitude positioning and so on. (Beijing Evening News reporter Zhang Hang Wen Bingtu)

　　Xinhua News Agency, Beijing, January 23rd (Reporter Leo Chou) The reporter learned on the 23rd that the Ministry of Culture recently instructed the cultural law enforcement departments in Beijing, Tianjin, Anhui, Hunan and other places to investigate and deal with 20 cases of online games that promote pornography, gambling and violate social morality, focusing on illegal business activities.

　　The Ministry of Culture published six typical cases:

　　— — Beijing Weiyou Interactive Network Technology Co., Ltd. operates an online game case containing pornographic content. When the administrative law enforcement officers of the Beijing Cultural Market Administrative Law Enforcement Corps conducted law enforcement inspection, they found that the images of individual female characters in the online game "The Gospel Warrior of the New Century: Dawn" were exposed, and their actions had obvious sexual hints, which contained prohibited content of promoting pornography. The Beijing Cultural Market Administrative Law Enforcement Corps ordered Beijing Weiyou Interactive Network Technology Co., Ltd. to make corrections according to law and gave it an administrative penalty of fine.

　　— — Beijing Candy Genesis Information Technology Co., Ltd. operates an online game case that promotes gambling. The administrative law enforcement officers of Beijing Cultural Market Administrative Law Enforcement Corps found that the online game Arcade Game City contained the content of promoting gambling. The Beijing Cultural Market Administrative Law Enforcement Corps ordered Beijing Candy Genesis Information Technology Co., Ltd. to make corrections according to law and gave it an administrative penalty of fine.

　　— — Wuhu Enjoy Travel Network Technology Co., Ltd. operates online game cases that violate social morality. According to the supervision requirements of the Ministry of Culture, the administrative law enforcement officers of Wuhu Municipal Cultural Commission of Anhui Province inspected the online games "Destiny Crown Assignment" and "Blue Airline", and found that many female game characters in the two games were exposed, with large areas of naked bodies and prohibited contents that violated social morality. Wuhu Municipal Cultural Commission ordered Wuhu Enjoy Travel Network Technology Co., Ltd. to make corrections according to law, and imposed administrative penalties on them.

　　— — Shenzhen Chuangku Interactive Information Technology Co., Ltd. operates online game cases that violate social morality. According to the supervision requirements of the Ministry of Culture, the administrative law enforcement officers of Shenzhen Nanshan District Cultural and Sports Bureau conducted a law enforcement inspection on the online game "The Best Sesame Officer", and found that some game plots in the game allowed players to "extort confessions by torture" and "take bribes", which contained prohibited contents that violated social morality. Shenzhen Nanshan District Cultural and Sports Bureau ordered Shenzhen Chuangku Interactive Information Technology Co., Ltd. to make corrections according to law, and gave it an administrative penalty of fine.

　　— — Hangzhou Kuaiding Network Co., Ltd. provides online game cases with gambling content. The administrative law enforcement officers of Hangzhou Culture, Radio, Film and Television Press and Publication Bureau conducted a law enforcement inspection on the online game "Seven Boxes" platform, and found that the mobile game software of "Happy Fried Golden Flowers" provided by the "Seven Boxes" platform contained the functions of "Classic Field", "Fried Golden Flowers for Ten Thousand People" and "Birds and Animals", all of which contained the prohibition of promoting gambling. Hangzhou Culture, Radio, Film and Television Press and Publication Bureau ordered Hangzhou Kuaiding Network Co., Ltd. to make corrections according to law, and imposed an administrative penalty on it.

　　— — Jiangxi naughty information technology co., ltd. case of online game promotion containing prohibited content. The administrative law enforcement officers of Shangrao Municipal Bureau of Culture, Radio, Film and Television Press and Publication inspected the website of greedy games. After opening the relevant advertising links, the page showed pictures of naked women, accompanied by vulgar actions, sounds and text contents. The advertising page pointed to the game of greedy blue moon, which was prohibited from promoting online games. Shangrao Cultural Market Comprehensive Law Enforcement Detachment ordered Jiangxi Naiwan Information Technology Co., Ltd. to make corrections according to law, and gave it an administrative penalty of fine.

　　The relevant person in charge of the Cultural Market Department of the Ministry of Culture introduced that recently, Publicity Department of the Communist Party of China, the Central Network Information Office, the Ministry of Public Security, the Ministry of Culture and other departments jointly issued the "Opinions on Strictly Regulating the Management of Online Game Market" to deploy centralized rectification of online game violations and bad content. In accordance with the unified arrangements, the Ministry of Culture has taken a number of measures to strengthen the supervision of the online game market, supervised major cases in the online game market, held supervision briefings for major online game operating units and game live broadcast platforms, deployed comprehensive self-examination and self-correction, and consciously resisted and eliminated bad content.

　　According to statistics, recently, comprehensive law enforcement agencies in various cultural markets have dispatched more than 12,000 law enforcement personnel, inspected 7,820 online game operators, accepted 751 reports, closed 252 cases, ordered 363 corrections, and fined 1.22 million yuan.

　　The person in charge said that in the next step, the Ministry of Culture will continue to crack down on the content prohibited by online games, while promoting the transformation and upgrading of online games, guiding the online game industry to strengthen self-discipline management, adhering to the correct value orientation, actively improving the content quality of online games, enriching cultural connotations and enriching game functions.

Text/Yangcheng Evening News All-Media Reporter Yiwen Yan Correspondent Nie Chengzhang Lu Huaiqi Liu Gangke

Figure/provided by correspondent

On the morning of August 2nd, as the cutter head of the shield machine slowly rotates, Baiyun Pioneer, the largest diameter shield machine of Guangzhou Metro Group, was successfully launched from the starting shaft of Guangzhou-Zhuhai (Australia) high-speed rail shield in the reserved rail transit project of T3 transportation hub of Baiyun Airport (hereinafter referred to as T3 rail transit hub).

The Guangzhou-Zhuhai (Macao) high-speed railway tunnel of T3 rail transit hub is a single-hole double-line shield tunnel with a section line length of 1.476 kilometers. The "Baiyun Pioneer" large-diameter shield machine originated this time consists of cutter head, main engine, equipment bridge and supporting trolley. The whole machine is 145 meters long, with a diameter of 14.31 meters, a total weight of about 4,500 tons, a total installed power of about 9,000 kilowatts and a total thrust of 20,000 tons.

After the departure, the shield machine will directly pass through the airport flight area and pass through the airport boundary, navigation radar signal influence area, soil surface area, taxiway and other areas in turn from east to west. The geological karst in the excavation area is well developed, including sand layer, silty clay, gravelly silty clay, moderately weathered limestone and other strata, which has the characteristics of complex construction environment, high excavation risk and many controlling factors.

In view of the complex and changeable geological conditions, the shield machine is equipped with the functions of "screw machine+straight pipe discharge system" and synchronous double liquid grouting, which lays a solid foundation for smooth shield tunneling.

According to reports, the T3 rail transit hub is managed by Guangzhou Metro Group, and it is planned, designed, constructed and operated synchronously with the third phase expansion project of Baiyun Airport. The project includes T3 station and its two-side sections of Guanghe high-speed railway, Guangzhou-Zhuhai (Macao) high-speed railway and Fangcheng International Railway, which is an important part of the third phase construction of Guangzhou Baiyun International Airport and the core project of the transportation hub under the "Yangcheng Corolla" of T3 Terminal.

After the completion of the project, Baiyun Airport will be accessible to the central city of Guangzhou in 30 minutes, to the cities in the Pearl River Delta in 60 minutes and to the major cities in the Pan-Pearl River Delta in 3 hours, which is of great significance for accelerating the construction of world-class airports in Greater Bay Area and boosting the high-quality development of world-class urban agglomerations in Greater Bay Area.

1905 movie network news Every Friday, the global film of Universal Cinema continues to play, and today (May 12th) broadcast the biographical film "Beautiful Mind" for you.

Edison once said: Genius is one percent inspiration, plus ninety-nine percent perspiration. A Beautiful Mind tells you that being a genius is far more than that.

The film A Beautiful Mind, which won the Oscar for best film, best director, best supporting actress and best adapted screenplay, was adapted according to the legendary experience of johnf nash, a famous mathematician and economist who won the Nobel Prize in Economics, from the peak of his career to insanity, and then to overcoming his illness.

Eight years ago, on May 23rd, johnf nash and his wife died in a car accident in New Jersey at the age of 86.

John Nash

The film tells the story of John Forbes Nash (decoration), a mathematician with schizophrenia, who, with the help of his wife Alicia (decoration), devotes himself to studying the fields of game theory and differential geometry and finally wins the Nobel Prize in Economics.

John Forbes Nash was played by russell crowe, who won the Academy Award for Best Actor at that time. For a long time, he has always been a tough guy in the audience’s mind.

The movie Gladiator

In "A Beautiful Mind", he became a "freak" who sat in the house all day, accompanied by various formulas and devoted himself to studying mathematics. With this image, russell crowe was nominated for Best Actor in the 74th Academy Awards and won the Best Actor Award in the 59th Golden Globe Awards.

In this film, every casual expression and look in his eyes accurately reflects the hero’s mental state at that time, and successfully presents a very complicated character in front of the audience.

The growth path of genius is brilliant and bumpy, and Nash has already achieved high academic attainments when he was young.

However, while having outstanding intuition, he was troubled by schizophrenia.

He even imagined himself as a mysterious agent who cracked the code for the national intelligence service.

When Nash’s illness became more and more serious, the audience discovered that the close friends and lovely nieces that appeared in the film were all part of his imagination.

Only his achievements are real.

And his wife — — Supporting him out of the spiritual siege.

Alicia, played by Jennifer Lynn Connelly, also gives people a deep impression of "the best companion" in the film. She has spent her whole life protecting this husband who is between a madman and a genius. She has collapsed, cried and feared.

Despite the difficulties in life, they never separated. At Nash’s most miserable and depressed time, Alicia took care of her ex-husband and children with her meager income.

This vivid and strong wife image made Jennifer Lynn Connelly win both the Oscar and the Golden Globe Award for Best Supporting Actress, which was the first award in her acting career.

In the end, Nash overcame this "incurable" disease with his wife’s company and his firm will.

A truly beautiful mind is one who knows how to cherish the person who silently supports and accompanies us, which may be the deep meaning conveyed to the audience by the film.

In 1994, when Nash, who was already white-haired, won the Nobel Prize in Economics, he took the stage and delivered a speech: "I believe in mathematics, equations and logic all my life. But what is logic? Who decides the reason of logic? "

At this time, in front of many guests in the audience, there was only one person in his eyes, and he firmly said his answer … …

Just like the title of this film, A Beautiful Mind not only shows a profound and touching story, but also praises the theme of the beauty of love and the importance of companionship.

Johnf nash and Alicia

At 22:20 on May 12th, lock in the movie channel Universal Cinema, witness johnf nash’s legendary life and immortal love together, and cherish those who accompany us silently.

　　Mr. Zhang has a credit card of P Bank. Recently, he inadvertently discovered that there were two large-scale purchases that had "installment repayment", and he had to pay more than 300 yuan a month, but he couldn’t remember when he started the automatic installment business. The Beijing Youth Daily reporter learned that there are still many credit card customers like Mr. Zhang, and the banks involved are far more than one P bank. Some customers have even been "phased" for more than 7 years before they found out that the handling fee paid has reached 40,000 to 50,000 yuan.

　　Are these banks really opening installment repayment business for customers without authorization? Why didn’t the customer find it in time? Is the bank’s behavior illegal? Recently, the reporter of Beiqing Daily conducted an investigation.

　　phenomenon

　　Customers complain that credit cards are "automatically phased"

　　In the black cat complaint platform and major bank card forums, customers who claim to be "automatically phased by banks" can be seen everywhere.

　　Mr. Zhang mentioned above has credit cards from several banks, and this card of Bank P used to be a small amount of consumption, and no problems were found. Recently, he used this card to make two large purchases, one is 10,000 yuan, and the other is 3,000 yuan. Soon, he received a short message from the bank, saying that both purchases were successfully applied for free installment payment, and he had to pay more than 300 yuan a month. However, Mr. Zhang has no impression of the opening of "automatic staging".

　　In early August, Miss Zhang, a customer of H Bank, made a consumption of 99,888 yuan. Later, she found that there was an automatic handling fee of 12 installments in the bill of the month, each installment was 749.16 yuan, and the amortization principal of each installment was 8,324 yuan. After the 12 installments were completed, the handling fee was nearly 9,000 yuan, and the annualized interest rate was 9%. Miss Zhang remembers that when she first set up this card, the staff told her that it was an ordinary credit card, which did not mean that the card would be automatically divided into stages on the billing date, and she herself did not take the initiative to apply later. Miss Zhang believes that the bank opened the automatic installment business for her without authorization, just to "make more money".

　　Mr. Zhao, a customer of X Bank, applied for a credit card in September 2020. After paying the bill in early December, he didn’t use this card again. Later, he found that there was still repayment every month. When he inquired about the bill, he found that the original banking system had carried out 12 automatic installments, but he had no impression of applying for this business.

　　The reporter of Beiqing Daily found that in addition to the three banks mentioned above, some customers of G Bank and Z Bank have also encountered the situation of being inexplicably "phased", and the most complaints are P Bank.

　　survey

　　Did the bank open the business without authorization?

　　So many customers complain that they have been "phased". Is the bank really so bold?

　　Many insiders told the reporter of Beiqing Daily that according to the regulatory requirements and the bank’s own internal regulations, it is definitely impossible for the bank to open this business without the consent or authorization of the customer. From a practical point of view, many customers have checked the relevant options when they apply for a card, or made relevant representations when they received a marketing call or text message from the bank, but they forgot it after a long time; It is also possible that the customer misunderstood the meaning of the terms or the expression of the staff when communicating. In the past few years, the credit card business management of some banks was not standardized. It is not excluded that some salesmen deliberately concealed important information to induce customers, and even checked the "automatic installment" option on the application form for customers in violation of regulations.

　　Mr. Xu, a customer of P Bank, met such a salesman. At the end of 2014, the credit card salesman of Bank P went to the place where Mr. Xu worked to sell credit cards. In recent years, Mr. Xu has paid directly on Alipay or WeChat, never looking at the bank’s electronic bills, let alone finding out the details. Until March of this year, Mr. Xu felt that the repayment amount was not in line with the consumption situation. After checking the bill, he found that Bank P had charged him nearly 47,000 yuan in installment business fees in recent years. Shocked, Mr. Xu called the credit card center to ask for a refund, but was told that when he applied for a card in 2014, he checked the free installment function on the paper application materials, and a single purchase over 800 yuan was automatically repaid in six installments. Mr. Xu said that after seven years, he couldn’t remember whether it was checked by the salesman or painted by himself. But what is certain is that I don’t know anything about free staging.

　　According to the reporter of Beiqing Daily, from the feedback from the bank, there are still some controversial customers who actively apply for the automatic installment business on the App, but they all said that they don’t remember checking it on the App.

　　Su Xiaorui, a senior analyst at Analysys, pointed out that credit card holders usually don’t read the terms carefully, and the bank staff didn’t tell the relevant business information in detail. In this case, cardholders are easily "cheated" and passively choose installment business. In addition, some banks put key information in inconspicuous places, and cardholders sometimes ignore the installment fee for checking monthly bills, which are also factors that trigger consumer disputes.

　　question

　　Liquidated damages will be paid for termination of installment prepayment.

　　After customers find that they have been inexplicably opened the automatic installment business, they will generally take the initiative to complain to the bank, demand a refund of the fees received, and demand that the business be stopped. However, it is not easy to cancel this business. Many banks require that certain fees must be paid, and at the same time, they must be audited.

　　For example, Bank P stipulates that after a cardholder successfully applies for free installment payment, the number and amount of installments he has applied for cannot be changed and cannot be revoked. If the cardholder applies for early repayment, the cardholder must repay all the remaining undistributed installment principal in one lump sum, and the handling fee corresponding to the remaining undistributed installment number is not required to be paid. The handling fee collected in one lump sum will be refunded to the handling fee corresponding to the remaining undistributed installment number, and the bank will collect 3% of the undistributed principal amount of the cardholder as a penalty. The liquidated damages collected for early repayment and the undistributed principal amount will be fully included in the minimum repayment amount of the next bill.

　　Mr. Liu, a customer of X Bank, set up a credit card a few years ago. Now the monthly consumption exceeds 5,000 yuan, and the bank directly handles the 12-month installment. He called and said that he would pay in advance, and learned that he would have to pay 3% penalty. Mr. Liu said angrily: "Don’t you need to inform the customer for staging? If you have to pay liquidated damages in advance, will this overlord clause be left unattended? "

　　Supervision

　　Some banks were severely punished for illegal installment business.

　　Of course, the chaos existing in the credit card installment business is taken care of. The regulatory authorities have noticed the irregularities of some banks and increased the punishment.

　　On July 7th this year, the Consumer Protection Bureau of China Banking and Insurance Regulatory Commission, China issued a circular on the infringement of consumers’ rights and interests by a bank. The circular pointed out that a bank has six kinds of illegal and illegal problems, such as checking the initial amount of automatic installment of credit cards by default.

　　According to the circular, since March 2015, this bank has launched the "Lixiang Card" credit card business, and the initial amount of automatic installment is divided into three grades, namely 5,000 yuan, 10,000 yuan and 20,000 yuan. Since March 2019, in order to increase the income of credit card installment business, the bank has adjusted the automatic installment starting amount of "Lixiang Card" to "3,000 yuan by default", and customers cannot choose other installment starting amounts when they apply for a card. However, according to the regulations of the bank, customers can modify the starting amount of automatic installment through the customer service hotline, but they are not prompted in the application form and online channel application page. By the end of June 2020, the bank had issued 45,400 "Lixiang Cards" with an initial amount of 3,000 yuan, involving installment income of 35,736,400 yuan.

　　A few days ago, the bank that was criticized by name issued the Announcement on Suspension of Customers’ Application for Automatic Staging Business by Credit Card. Since August 31, 2021, customers have been suspended from applying for automatic staging business in various channels.

　　Dong Zheng, a senior bank card expert, believes that installment business is an important component of bank credit card business income, which can not only stimulate consumption, ease the financial pressure on users, but also increase the intermediate income of banks, and has been paid more and more attention by banks recently. However, at present, banks are overexerting in the marketing of installment business, and there are still some defects in the service level, especially in the communication with customers and how to guide users to handle it, which need further standardization.

　　Text/Reporter Cheng Wei Coordinator/Yu Meiying

　　Photo courtesy/vision china

　　point out

　　Consumers should look carefully at the card terms and monthly bills.

　　In the interview, the reporter of Beiqing Daily found that a considerable number of cardholders not only did not read the terms carefully when handling the card, but also did not check the bills in detail every month after using the card, so that it took many years to discover that they were "phased". In view of this phenomenon, people in the industry generally believe that consumers themselves should take the initiative to strengthen their understanding and management of credit cards, especially pay attention to terms such as fees, interest rates and repayment methods, so as to effectively reduce the occurrence of such disputes.

　　Su Xiaorui, a senior analyst at Analysys, pointed out that cardholders must first understand that credit cards are truly free only if they are fully repaid during the interest-free period, and other charging methods should be paid special attention; At the same time, don’t handle staging for the so-called staging gifts and staging concessions, but handle them according to your own needs.