Authors: Gao Qijie, Director and Professor of Promotion and Innovation Research Center of College of Humanities and Development of China Agricultural University, and Yang Rui, Ph.D. student of College of Humanities and Development of China Agricultural University.

　　The Central Rural Work Conference was held in Beijing from December 28th to 29th. At the meeting, General Secretary of the Supreme Leader emphasized that "from the overall perspective of the great rejuvenation strategy of the Chinese nation, the nation must be rejuvenated and the countryside must be revitalized". It is a long-term task to implement the rural revitalization strategy. Under the new development pattern, the integrated development of rural industries needs to seek breakthroughs and innovations in many aspects, and it is very important to put ideas first. Therefore, rural industrial integration should be based on the advantages of local characteristic resource endowments, correctly understand and respect the laws of agricultural and rural development, promote the "four-chain reconstruction" of industrial chain, value chain, supply chain and interest chain through vertical extension of agricultural industrial chain and horizontal expansion of agricultural functions, realize internalization of external effects, reduce transaction costs, and improve the quality and competitiveness of radiation belt power and industrial development.

　　Extend the industrial chain and promote the upgrading of all links.

　　In recent years, all localities have actively explored and practiced, and the development of rural industrial integration has shown a good trend, but there are still some inevitable problems. Many people unilaterally think that rural industrial integration is the integration of agricultural products production, processing and sales services, and they lack sufficient understanding and understanding of the economic, cultural, social and ecological functions of agriculture, so the degree of development of various functions of agriculture is not high. In the process of rural industrial integration, there is a lack of market-oriented and influential agricultural products development and brand building, which limits the industrial integration, especially the integration of processing industry and rural tourism. In the future, it is necessary to promote the vertical extension and horizontal function expansion of the industry.

　　First, we must promote the vertical extension of industrial development.Rural industrial integration should respect the laws of rural development and agricultural production, aim at consumer demand, and steadily develop basic industries such as agriculture, forestry, animal husbandry and fishery. On this basis, we will extend the rural industrial chain, develop industries with market demand and local advantages such as food processing, textile processing, biomaterials and clean energy, open up the production end, circulation end and consumption end of the industrial chain, drive industrial adjustment and upgrading, enable farmers to share non-agricultural income nearby, fully mobilize farmers’ initiative, enthusiasm and creativity, and guide farmers to actively participate in modern agricultural production and improve rural labor productivity.

　　Second, we must promote the horizontal functional expansion of the industry.By aggregating resource elements, we will expand the multiple functions of agriculture, develop "internet plus Modern Agriculture" and green eco-cycle agriculture, promote the integrated development of agriculture, tourism, culture, education and other industries, actively cultivate new formats such as cultural tourism, recreation and special folk customs, stimulate the endogenous development momentum of rural industries, and broaden the channels for increasing agricultural income and efficiency. For example, by activating village resources and village culture, we can promote the development of "agricultural tourism, cultural tourism and business tourism", make the countryside a place suitable for living and traveling, fully integrate "agricultural products entering the city and citizens going to the countryside", effectively expand the consumption market of villagers’ lodging and farmhouse catering, and create more economic benefits.

　　Enhance the value chain and realize the appreciation of the whole chain.

　　At present, a series of activities such as production, processing and sales are still relatively lacking in integration and interaction with external technologies and resources. At the same time, the connection between upstream and downstream is not flexible and dynamic, and the added value of products is low, so it is easy to ignore the analysis and satisfaction of customers’ potential needs. Therefore, it is necessary to promote technological innovation in the whole chain and product innovation in all links, accelerate the upgrading of equipment, processes and products, achieve high quality in the whole process and upgrade the whole chain, and give full play to the "multiplier effect" of rural industrial integration.

　　First, we must promote technological innovation in the whole chain.The popularization and application of emerging technologies have strong externalities and spillover effects, which are helpful to promote the optimal allocation of production factors and the transformation of production methods, and realize the intensification, informationization and intelligence of production. On the one hand, we should strengthen agricultural technology research and development. Promote the application of modern information technologies such as Internet of Things and cloud computing in the whole industrial chain, improve the level of integration and interaction between agricultural technology research and development and agricultural production, food processing, biomaterials and other industries, meet the diversified needs of the market, and comprehensively upgrade the value chain. On the other hand, we should attach importance to agricultural technology popularization. Deepen the reform of agricultural technology extension system, adhere to demand-oriented agricultural technology extension, provide agricultural technology services with strong applicability and high matching for different departments and diversified agricultural business entities, accelerate the spread and diffusion of technology in the whole agricultural industry chain, improve the adoption rate of agricultural technology, and promote the transformation of agricultural technology into efficient practical productivity.

　　Second, we must promote product innovation in all aspects.Carry out the activities of "improving quality and increasing efficiency" of agricultural products, dig deep into the diversified value of agriculture, and promote the synergy and simultaneous appreciation of the primary, secondary and tertiary industries. First of all, solve the problems of "what to plant" and "what to raise". Guided by market demand, improve the planting structure, enrich the varieties, build a standardized system of agricultural production, strictly standardize the production process, ensure the quality and safety of agricultural products, and increase the production of high-quality agricultural products that are in short supply in the market and marketable. Secondly, solve the problem of "what to process". It is necessary to promote the deep processing of agricultural products, carry out grading packaging and grading pricing, standardize storage, extend storage time, reduce storage losses, and maximize the added value of agricultural products. Finally, solve the problem of "what to sell". Rural industries should build high-quality characteristic agricultural products brands in a planned and phased manner and sell safe and high-quality agricultural products.

　　Optimize the supply chain to meet the demand of product supply and marketing

　　Rural industries are mostly located in remote areas, with high logistics costs, and agricultural products are faced with the dilemma of "the fragrance of wine is also afraid of the depth of the alley". Therefore, rural industrial integration urgently needs to open up the supply and demand chain, expand sales channels, save circulation costs, and achieve effective docking of production and marketing.

　　First, we must improve infrastructure and improve the comprehensive supporting service system.First of all, efforts should be made to improve the rural transportation network. "All roads lead to prosperity", it is necessary to build rural transportation facilities, smooth the circulation and sales channels of agricultural products, and promote the transformation of resource advantages into competitive advantages. Secondly, promote the logistics construction project of "cold chain storage", speed up the cold chain facilities and standardization construction of agricultural products and food, effectively solve the problems of product preservation and storage, and reduce transportation costs and process losses. Thirdly, improve the rural logistics service system, promote strategic cooperation with logistics enterprises, constantly promote the improvement of comprehensive service systems such as warehousing and transportation in various places, solve the problems of high logistics cost and slow delivery speed, and realize the "smooth flow of goods" of products.

　　Second, we must connect production and marketing resources and build digital sales channels.In the process of rural industrial integration, we should rely on the enterprise platform and integrate local enterprises, cooperatives and other resources to explore the formation of an agricultural supply chain system that integrates the production, processing and circulation of agricultural products into one. At the same time, accelerate the construction of agricultural supply chain information platform, deepen the application of big data in agricultural production and operation, share information such as policies, markets and finance, effectively open up supply and marketing information channels, create online and offline sales channels for agricultural products, and promote agricultural products to accurately connect with the vast consumer market.

　　Improve the interest chain and realize the sharing of development achievements.

　　At present, the construction of interest linkage mechanism of rural industrial integration needs to be strengthened. There are differences in the ability of farmers, farmers’ professional cooperatives and leading enterprises to obtain information and win policy support, and the distribution model of rights, responsibilities and benefits is not clear enough. General Secretary of the Supreme Leader pointed out that it is necessary to accelerate the development of rural industries, conform to the law of industrial development, base on local characteristic resources, promote the development and growth of rural industries, optimize the industrial layout, improve the interest linkage mechanism, and let farmers share more value-added benefits of industries. Therefore, it is necessary to build an effective interest linkage mechanism, stimulate the vitality of multiple subjects, and form a development pattern of complementary advantages and risk sharing.

　　First, we must build a multi-form interest linkage mechanism.Rural industrial integration should deepen the understanding of interest linkage mechanism, pay attention to the demands and needs of multiple subjects, and let all subjects share the value-added benefits of the whole industrial chain. First of all, we should innovate the interest linkage mechanism of "order agriculture". Encourage leading enterprises, e-commerce companies and other industrial and commercial capitals to sign agricultural products purchase and sale contracts with farmers and farmers’ professional cooperatives, transform rural development formats with big data, improve the scale and organization level of agricultural products supply, enhance the sustainable supply capacity of agricultural products, increase the return of profits, and maintain stable cooperative relations. Secondly, encourage the development of joint-stock cooperative interest linkage mechanism. We will carry out voluntary participation of farmers in land management rights and idle farm houses to develop agricultural industrialization, promote various forms of joint-stock cooperation among farmers, farmers’ cooperatives, village collectives and leading enterprises, and promote "guaranteed income+dividend by shares" to tilt the income distribution ratio to farmers.

　　Second, we must stimulate the vitality of multiple subjects.For farmers, it is necessary to let farmers create and share the value-added benefits of industrial chain and value chain more directly, protect their legitimate rights and interests, and reduce their insecurity caused by "fear of loss". For industrial and commercial enterprises, it is necessary to improve their expected benefits, smooth the channels of information disclosure, reduce the uncertainty caused by "information asymmetry", improve their enthusiasm for investment, and give full play to their leading role in technology, information and management. For grass-roots governments, efforts should be made in "soft power" to create an efficient and clean political ecology, maintain a fair market environment, mobilize the enthusiasm of administrative personnel, play the role of organizer, coordinator and server, and give full play to its role as a link between farmers and industrial and commercial enterprises. In addition, government departments should communicate and coordinate effectively, form a joint force, promote the formation of a joint management and interactive co-construction mechanism, better guide the integrated development of rural industries, and achieve agricultural efficiency and farmers’ income.

　　China Network August 25 th According to the official WeChat message of the Criminal Investigation Bureau of the Ministry of Public Security, the official WeChat of the Criminal Investigation Bureau of the Ministry of Public Security issued an urgent reminder. Be careful when receiving calls from these 170 and 171 numbers. Many people have been cheated!

　　Sections 170 and 171 were originally special sections for virtual operator, but they can be purchased without real-name registration because the regulatory measures are not in place, which has become a hotbed of fraudulent phone calls and text messages, which makes people turn pale.

　　Mention your name directly in the text message and try not to open it! The most serious consequence is that your mobile phone will be infected with Trojan virus, and valuable information in your mobile phone will be stolen.

　　The above is a scam message.

　　Real case 1: "You are suspected of money laundering"

　　On March 10, 2016, Ms. Zhu reported to the police that she received a phone call claiming to be a police officer of a city public security bureau that she was suspected of money laundering, and the police were about to freeze her bank account involved, and asked her to immediately transfer all the money in her account to the "safe account" provided by the police. After the investigation is clear, if there is no criminal suspicion, she will return the funds in full. Ms. Zhu transferred 7,000 yuan according to her request and found that she was cheated. The case is under further investigation.

　　Real Case 2: "Your credit card is overdrawn"

　　On April 24, 2016, Ms. Chen received a phone call claiming to be a courier, saying that Ms. Chen had a credit card in it, and this credit card had been overdrawn. Then the other party transferred the phone to a city public security bureau, and a man claiming to be a certain police officer claimed that this credit card was indeed Ms. Chen’s. If she didn’t pay back the money, she would be criminally liable and demanded to pay a deposit of 10,000 yuan. After doing so, Ms. Chen found that she had been cheated.

　　Coincidentally. On March 26th, Mr. Huang said that his mobile phone received a short message to increase the credit card limit that day. After he entered the link on the information (wap.zgpqe.com) and filled in the relevant information, he received a call to increase the credit card limit by 1718714XXXX, asking him to tell the other party the verification code. After Mr. Huang told the other party the verification code, he found that his credit card had been transferred by more than RMB 10,000.

　　Real case 3: "Your mobile phone number was stolen"

　　On June 12, 2016, Ms. Ke reported that she received a phone call on the same day. The other party said that a mobile phone number she handled in a business hall owed 4,000 yuan, and now she transferred the call to the Public Security Bureau. A man who claimed to be a policeman said that someone had impersonated her ID card information. Now the mobile phone number has been suspected of illegal fund-raising, otherwise he will be punished for half a year. Then the man claimed to investigate his bank account. Ms. Ke followed the other party’s operation and transferred more than 50,000 yuan to the so-called "safe account", and found that she was cheated.

　　Real case 4: "If there is something wrong with your online shopping, you can get a refund."

　　On January 1, 2016, Ms. Ye received a phone call at 1708133xxxx. The other party said that there was something wrong with what Ms. Ye bought online, and now she could get a refund, and sent her a short message with a link through this number. After Ms. Ye entered the bank card number and verification code on the website page where the link jumped, she found that her bank card had been transferred away by more than 5,000 yuan.

　　Since the beginning of this year, 17 telecom fraud "prologue"

　　The following is the "prologue" of the call fraud at the beginning of the number 17 this year. Please be vigilant.

　　1. This is Taobao customer service XX. Due to system problems, there is something wrong with what you just bought online (clothes/game prepaid cards). Now I can give you a refund … …

　　2. Hello, I am a staff member of a certain bank. In view of your recent good credit of XX Bank, I can help you to apply for increasing the credit card limit of this bank … …

　　3. I am the leader of your friend XX, and I need to borrow some money from you because of something urgent. Please remit the money to the bank account of XXXX, with the account name XX… …

　　4. Hello, I’m a staff member of the dating website you just registered. If you want to make friends on our website, you have to pay a deposit first, 1000 yuan, and the deposit can be paid to the company’s designated account XXXX. …

　　5. I am a staff member of the Finance Bureau. I now inform you that you will go to the ATM of your nearby bank this morning to receive the car purchase subsidy (newborn subsidy, second child subsidy, house purchase subsidy) according to the prompts, and the contact number is 170XXX… …

　　6. I am a teacher of a certain university. According to the application for tuition subsidy submitted by you, it has been studied by the school. Now I inform you to go to the cash machine of your nearby bank and follow the prompts to receive the relevant subsidy … …

　　7. I am your daughter’s teacher. Your daughter is doing very well in school. Now the school wants her to participate in the XX competition, but now she needs to pay a training fee of 9800 yuan, which can be transferred to the XX account. Contact: Teacher XX, tel: 170XXX… …

　　8. Hello, I am a staff member of an airport. The ticket you just purchased has not been successfully issued due to system problems. Now I can give you a refund. Please provide your bank account and call the staff at 170XXX… …

　　The police once again reminded that when you receive a phone call or text message with the number beginning with 170 and 171, please identify the authenticity of the content in detail, try not to click on the link, and please check with the relevant departments in time to avoid cheating.

　　Xinhuanet Shenzhen January 12 th New Media Specialist Question: Shenzhen Metro took over the "Vanke dispute" of China Resources holding shares and ushered in a turning point?

　　Xinhua News Agency "China Net" reporter Sun Fei Chen Yuxuan

　　On the evening of the 12th, Vanke Group officially announced that China Resources and its wholly-owned subsidiary Zhongrun Domestic Trading Co., Ltd. transferred its Vanke shares to Shenzhen Metro Group. At the same time, Shenzhen Metro clearly stated that it "supports Vanke’s management team to implement operation and management according to the established strategic objectives". Many people in the industry have analyzed that the "Vanke dispute" may usher in a turning point.

　　China Resources will transfer its Vanke shares to Shenzhen Metro.

　　On the evening of the 12th, Vanke announced that China Resources had transferred its Vanke shares to Shenzhen Metro. After the transfer is completed, China Resources will no longer hold Vanke shares.

　　According to the announcement, Vanke received the notice from China Resources Co., Ltd. and Shenzhen Metro Group on January 12, and its shareholder China Resources Co., Ltd. and its wholly-owned subsidiary Zhongrun Trade signed the Share Transfer Agreement on Vanke Enterprise Co., Ltd. with Shenzhen Metro Group on the same day. China Resources and Zhongrun Trade intend to transfer their total 1.689 billion A shares of Vanke to Shenzhen Metro Group by agreement transfer.

　　The announcement also shows that the Vanke shares to be transferred by China Resources and Zhongrun Trade account for about 15.31% of Vanke’s total share capital. The transfer price of the underlying shares is RMB 37.171 billion, corresponding to a transaction price of RMB 22.00 per share.

　　"Shenzhen Metro becoming an important shareholder will play a positive role in the company’s development." The relevant person in charge of Vanke said, "In the future, Vanke will work hard with Shenzhen Metro to practice ‘ Track+Property ’ Development mode, while consolidating and developing the existing business, accelerate to ‘ Urban supporting service provider ’ Transformation. "

　　Last year, Vanke planned to purchase 100% equity of Qianhai International held by Shenzhen Metro Group at a total consideration of 45.613 billion yuan by issuing shares. If this transaction is completed, Shenzhen Metro will become the largest shareholder of Vanke. Although Vanke’s management supported the plan, Baoneng Department and China Resources explicitly opposed it, and the transaction was finally terminated at the end of last year. This time, Shenzhen Metro will "kill back" Vanke, and it will also become the second largest shareholder after Baoneng.

　　"Vanke dispute" ushered in a turning point?

　　Regarding becoming a shareholder of Vanke, the relevant person in charge of Shenzhen Metro said, "As a leading enterprise in the domestic real estate industry, Vanke has an excellent management team, rich development experience and a solid development foundation. Joining Vanke will help both parties to form more effective strategic coordination while giving full play to their respective advantages. Shenzhen Metro will support Vanke’s management team to implement operation and management in accordance with the established strategic objectives. "

　　After Shenzhen Metro completed the above-mentioned equity transfer transaction and clearly expressed its support for Vanke’s management team, many people in the industry analyzed that Vanke’s management’s right to speak at the company’s shareholder level will be improved.

　　According to public data, Baoneng currently holds 25.4% of Vanke’s shares, Shenzhen Metro holds 15.31% after the transfer of China Resources, China Evergrande Group holds 14.07%, Anbang holds 6.18%, and Vanke’s management holds 4.14% through the Jin Peng Plan.

　　Recently, Evergrande has made it clear that it will increase its holding of Vanke as a financial investment. Xia Haijun, president of Evergrande Group, said that the company has no intention of becoming the controlling shareholder of Vanke. In terms of Anbang, Vanke publicly stated at the end of 2015 that it welcomed Anbang to become an important shareholder, and Anbang also responded that it hoped that Vanke’s management team and business style would remain stable.

　　"In the most ideal situation, Vanke’s management is expected to get support from Anbang and Shenzhen Railway, and may get more than 25.6% equity support at that time, which will also exceed the Baoneng Department." A securities analyst said.

　　"After the Shenzhen subway enters, the Vanke incident will usher in a better ending, Vanke’s surname is ‘ Country ’ The possibility of increasing. " Li Daxiao, chief economist of Yingda Securities, said, "I look forward to Shenzhen Metro’s shareholding in Vanke, which will complement Vanke and bring better development to the company."

　　The trend remains to be seen. Investors should be alert to uncertain risks.

　　At the same time, many analysts pointed out that the final solution of the "Vanke dispute" remains to be seen.

　　Le Jiadong, chief analyst of GF Securities Real Estate, said that the Shenzhen Metro’s transfer of shares of China Resources Group can only be said that the dispute over Vanke’s equity has taken the first step towards resolution, but it is still too early to say that the incident has been effectively resolved, and the situation is still complicated. The future trend remains to be seen. He reminded investors to pay attention to the investment risks brought by the uncertainty in the course of the event.

　　In the eyes of some capital market participants, Baoneng Department is still the largest shareholder, and Baoneng Department and Evergrande together hold nearly 40% of Vanke shares. "There are still some variables in the future."

　　In March this year, Vanke’s management will re-elect the board of directors, which will also become a key node for whether the "Vanke dispute" can be properly resolved.

　　Zhu Xu, secretary of Vanke’s board of directors, said last year that due to the current complicated situation, it is more difficult to change the board of directors. Vanke is actively and deeply communicating with all shareholders to ensure the stability of the board of directors before the change. "According to the company’s articles of association, there is no special reason before the board of directors is re-elected. The shareholders’ meeting cannot dissolve the board of directors. Shareholders who hold more than 3% of shares and have held shares for more than 180 days can propose candidates for directors, and shareholders who hold more than 1% of shares can propose candidates for independent directors."

　　"When major shareholders compete for the control of listed companies, it may bring shocks to the stock price. All parties should play the game within the scope of legal rules and aim at maximizing the overall interests of the company." Zhang Yuanzhong, managing partner of Beijing Wentian Law Firm, believes.

　　　　　　 CCTV News:Recently, a kind of online fraud activity has appeared on the Internet, which is carried out by taking part in a lottery as bait. It claims that it only needs a mobile phone. "No charge, no hoarding, no promotion, 10 minutes for a single order, the minimum earning is 59 yuan, and the daily earning is 500 to 1000 yuan, which can be withdrawn on the same day." . What is the essence of this online fraud? Let’s look at the reporter’s investigation.

　　　　　　 In August, 2018, when Ms. Shao from Jingjiang, Jiangsu Province was playing WeChat, a girl named Li Yuan added her, saying that she would be recommended to a profitable shopping mall, which is suitable for baby mothers, white-collar workers, students, shopkeepers and freelancers, without hoarding and selling goods, and earns 450+ a day for a single order in ten minutes. It also says that the minimum income per ten minutes is 59 yuan. After Ms Shao showed interest, Li Yuan pulled her into a group.

　　　　　　 Ms. Shao, the victim: "She means that she can earn 200 to 1,000 yuan a day by buying things for a lottery. The name of the mall is Hecha Mall, and then the money is filled in. It is a lottery, and the bill is opened every ten minutes, that is, the younger brother or sister is selected."

　　　　　　 Li Yuan introduced that the rules of the game in Hecha Mall are very simple, with a minimum investment of 118 yuan. You can buy a black tea, and then take part in the lucky draw to bet on your little brother or sister. The mall will decide whether the little brother is free of charge or the little sister is free of charge according to the odd and double numbers of the mantissa. If you win, you can get the 59 yuan prize, and you can return the goods and take out your own 118 yuan; It doesn’t matter if you lose, which is equivalent to buying 118 yuan of black tea. Li Yuan introduced that this is a sure thing.

　　　　　　 Victim Ms. Shao: "The first time I charged 300 yuan, she taught me to make the first one and lost. After making two orders for 300 yuan, it was gone. She asked me to charge again, and I charged 500 yuan again. Then 800 yuan lost all the money on the first day."

　　　　　　 Ms. Shao owns a store and has some savings in her hand. In the next few days, she voted 1000 every day and won twice, but she lost again soon. After a week, she lost seven or eight thousand. In the face of Ms. Shao, who is eager to turn over the books, the group owner said that she could find a teacher with a bill. This teacher has a high chance of winning, but at least she has to pay 50,000 yuan before the teacher will take her.

　　　　　　 Ms. Shao, the victim: "I charged 50,000 yuan, charged 50,000 yuan, and lost it all in one day."

　　　　　　 At this time, Ms. Shao has already lost nearly 60,000. According to the game of the mall, she bought goods of the same value for this 60,000 yuan. During the period, Ms. Shao also received a Dahongpao tea worth 118 yuan.

　　　　　　 Ms. Shao, the victim: "I also posted a freight fee of 10 yuan before I got the black tea, just a little bit, only one or two."

　　　　　　 Reporter: Is the quality good?

　　　　　　 Victim Ms. Shao: "No, that’s all fake, all fake and inferior products."

　　　　　　 How to turn over the origin has become the most concerned issue for Ms. Shao at this time. Li Yuan said that as long as she has the principal, she can recommend a better teacher, and the odds are almost 100%. However, this teacher will only bring a bill if she invests 100,000 yuan. Ms. Shao invested another 100,000 yuan, and she lost again one day. Ms. Shao, who lost nearly 160 thousand, wanted to turn over the book, but she had no money in her hand. At this time, the teachers in the group began to make moves to encourage her to get a loan.

　　　　　　 In the end, Ms. Shao was found abnormal by her husband, and the two immediately reported the case. So what kind of scam did Ms. Shao fall into?

　　　　　　 After receiving the report from Ms. Shao, the Jingjiang police in Jiangsu immediately launched an investigation into the case. The survey found that this so-called Hecha Mall shopping platform is located in Qingdao, Shandong Province. Police analysis found that because the prices of goods in the mall are artificially high, for example, black tea with a price of 118 yuan may be worth only a few dollars, and a bottle of liquor with a few hundred dollars may be worth dozens of dollars, so there is a problem of unequal odds first.

　　　　　　 Ji Wencan, squadron leader of the Second Squadron of the Criminal Police Brigade of Jingjiang Public Security Bureau: "It is half of the rebate. That is to say, in fact, I won the prize. I won the 59 yuan at 118 yuan. If I don’t win the prize, then I will lose all my money at 118 yuan. The commodity itself is worthless, which is equivalent to no value. This is actually an unequal odds."

　　　　　　 In addition to the unequal odds, the company also set up a stop-loss mode in the background. That is to say, if the customer is lucky and wins more than a certain amount, the system will automatically ban him and must wait for 24 hours before playing, but if he loses, even if he loses hundreds of thousands a day. In order to defraud the victims to invest more money, the company also designed a double investment model.

　　　　　　 Ji Wencan, the squadron leader of the Second Squadron of the Criminal Police Brigade of Jingjiang Public Security Bureau: "It is precisely because its odds are not equal, so analysts guide customers to say that if you want to double your investment, it is possible for you to turn over. For example, my 100 yuan, I buy 100 yuan, I lose, I lose 100 yuan, I buy 300 yuan next, if I want to win, I win 150 yuan. If these two are combined, I can still win 50 yuan. "

　　　　　　 On the surface, the odds of winning by betting on single or double are 50%. It seems that the double-investment plan can indeed turn the tables, but in fact, double-investment is a bigger trap, and the company’s purpose is to lure the victims into investing more money because they have done something behind the scenes again.

　　　　　　 Ji Wencan, squadron leader of the Second Squadron of the Criminal Police Brigade of Jingjiang Public Security Bureau: "In the background, it sets a maximum limit of double investment, that is, if you buy, for example, 20,000 yuan, you can’t continue to turn down. I still can’t win when I reach 20,000 yuan. I still lose, and I can’t turn down again. All the money I invested before has been swallowed up."

　　　　　　 In addition to unequal odds, no stop loss in the background, etc., fraudsters will also set up a chat group, in which 70% to 80% of people are childcare. These childcare people send a lot of chat messages that easily make big money in the chat group to induce victims to invest more money.

　　　　　　 This is a chat group established by fraudsters, which is full of chat messages that make a lot of money easily, but in fact these are all childcare.

　　　　　　 Ji Wencan, squadron leader of the Second Squadron of the Criminal Police Brigade of Jingjiang City Public Security Bureau: "The so-called active customers are all disguised by the suspects themselves, and they are all childcare. That is to say, there may be one hundred people in this group, and there may be only a dozen real victim players, and the other seventy or eighty are all childcare. "

　　　　　　 What the children have to do in the group is to cooperate with each other to hunt down the real victims. We will also launch the so-called teachers and great gods with orders in due course, and expose various screenshots in the group, which proves that this teacher has a high hit rate, even 100%, but there is a threshold for funds to find him with orders, and the minimum can not be less than 30,000, 50,000, etc. But these are all routines.

　　　　　　 A chat record of the victim shows that when she told the teacher with a single account of 100,000 yuan and 50,000 yuan, the teacher with a single account first replied: "Do it according to your goal, if you say yes, we will stop making orders." But then she was advised to have an account of 100,000 and an account increased to 90,000.

　　　　　　 In order to escape the attack of the public security organs, the company’s so-called shopping and lottery platform will be closed and replaced from time to time. Once the victim has no money at all, he will be blacked out by fraudsters and kicked out of the WeChat group.

　　　　　　 Jiangsu Jingjiang police arrested the suspect immediately after thoroughly grasping the criminal routine and relevant evidence of this fraud gang.

　　　　　　 Police investigation revealed that Qingdao Hongrui Yunshang Network Technology Co., Ltd., suspected of fraud, has a head office and two branches in Qingdao. At the beginning of this year, Jiangsu Jingjiang police dispatched more than 200 police officers and, with the cooperation of Qingdao police, arrested more than 180 suspects suspected of fraud. Looking around the company, there are all kinds of inspirational slogans all over the wall, and the salesmen are divided into different teams, and each team has a performance written pledge.

　　　　　　 The data shows that from February 2018 to January 2019, this company was suspected of defrauding more than 5,000 people, amounting to hundreds of millions of yuan, and one of the victims was defrauded by more than 2 million.

　　　　　　 Fan Mingdong, the captain of the Criminal Police Brigade of Jingjiang Public Security Bureau: "At present, we have found more than 5,000 victims, but the so-called profitable ones are only a dozen."

　　　　　　 At present, 27 suspects in this case have been arrested by the procuratorate for alleged fraud, and other suspects have been taken criminal compulsory measures. The police suggested that we should be highly vigilant against all kinds of transactions that induce the parties to invest frequently in the name of online investment. The so-called easy money making and steady earning are basically scams.

　　Recently, Taiyuan in Shanxi, Jingchuan in Gansu, Yizhang in Hunan, Siping in Jilin and other places have issued relevant regulations to standardize the diagnosis of contraindications to vaccination, including the establishment of an expert group for the diagnosis of contraindications to vaccination, the opening of a green channel for the elderly aged 60 and over, and the establishment of a ledger for the sales of contraindications.

　　Hunan Yizhang also requires that medical personnel who have issued certificates from relevant medical institutions should scientifically and accurately judge the contraindications and suspension of vaccination, and classify and evaluate the recipients who do have contraindications and basic diseases, and standardize the issuance of true and reliable vaccination contraindications or suspension of vaccination certificates, and must not shirk or refuse to issue certificates; The doctor who issued the certificate of contraindications should issue the certificate based on the real situation of the recipient’s illness, and must not resort to deceit. If there is any fraud, once it is verified, the responsibility of the doctor concerned will be investigated.

　　Expert groups for judging contraindications were established in many places, and the attending doctors issued relevant certificates.

　　The Paper noted that according to the news released by Jingchuan on August 27th, in order to strictly diagnose the contraindications of vaccination in Covid-19 and help the vaccination work in COVID-19, an expert group for the diagnosis of contraindications of vaccination in COVID-19 was established in Jingchuan County, Gansu Province.

　　The chief person in charge of the expert group is the vice president of the county people’s hospital and the chief physician of the Department of Cardiology. The members of the expert group come from the departments of respiratory medicine, cardiology, pediatrics, obstetrics and gynecology, radiology, laboratory, internal medicine, infection and so on of the county people’s hospital, and go to work normally on holidays.

　　According to the news, if it is confirmed by diagnosis that there are definite contraindications to vaccination in Covid-19, the attending physician will issue a diagnosis certificate of contraindications to vaccination in COVID-19, which will be signed by the leader of the expert group and stamped with the official seal of the hospital as the basis for contraindications to vaccination in Covid-19.

　　According to the report of Shanxi Evening News on August 26th, on the 26th, Taiyuan Epidemic Prevention and Control Office issued a notice, designated 14 medical institutions as designated hospitals to issue vaccination contraindications, and made clear the principles for judging vaccination contraindications and the issuance process.

　　According to the requirements, the medical institutions that issue vaccination contraindications must be public hospitals of Grade II and above. Taiyuan Epidemic Prevention and Control Office requires that all designated hospitals should set up an expert group to determine the contraindications of Covid-19 vaccination in the hospital, which is composed of professionals from neurology, cardiology, dermatology, respiratory department, pediatrics, intensive medicine, endocrinology, rheumatology and immunology, obstetrics and gynecology, and preventive medicine, and is responsible for judging, reviewing, training and guiding the contraindications of vaccination in Covid-19. It is necessary to designate special departments to undertake this work specifically and coordinate relevant departments to complete it together. Non-designated hospitals or personnel without professional training shall not issue taboo certificates.

　　In addition, after the evaluation doctor checked the relevant documents and medical information, combined with the comprehensive judgment of consultation and physical examination, if it is really a vaccination contraindication, he will issue a certificate of Covid-19 vaccination contraindication, the doctor will sign it, affix the official seal of the hospital, and record the information at the same time.

　　According to the news of WeChat WeChat official account, Propaganda Department of Anshan Municipal Committee of Liaoning Province on August 24th, Zhang Lu, Chief of Prevention, Control and Occupational Health Section of Municipal Health and Health Commission, said that the first batch of 13 designated medical institutions in the city issued contraindications for the people. Considering the principle of convenience for the people nearby, 13 medical institutions covered 7 counties and cities in the city. Each designated medical institution has set up an expert group for the certification of contraindications to vaccination in Covid-19, to give a scientific and professional evaluation on whether the diseases of patients are contraindications to vaccination in Covid-19, so as to ensure the vaccination safety of the people.

　　In some areas, it is required to classify and evaluate the recipients and establish a ledger.

　　Previously, Yizhang, Hunan, Siping, Jilin and other places also issued relevant regulations to standardize the diagnosis of contraindications to vaccination in COVID-19.

　　According to the news of WeChat WeChat official account, the Propaganda Department of Yizhang County Committee, on August 27th, six secondary hospitals, including Yizhang County People’s Hospital, were designated as the units that issued the vaccination contraindications and suspension certificates in Covid-19. Each unit clearly defined the departments (departments) that issued the vaccination contraindications and suspension certificates, and designated clinical medical personnel with intermediate or above titles to be responsible for issuing the vaccination contraindications and suspension certificates in Covid-19.

　　The news mentioned that medical personnel who have issued certificates from relevant medical institutions should scientifically and accurately judge the contraindications and suspension of vaccination, and classify and evaluate the recipients who do have contraindications and basic diseases, and standardize the issuance of true and reliable vaccination contraindications or suspension of vaccination certificates, and must not shirk or refuse to issue certificates; For the elderly aged 60 and above who apply for the Certificate of Vaccination Taboo and Suspension of Vaccination (attachment), it is necessary to open up a green channel and reduce the waiting time in line.

　　According to the aforementioned news, the doctors who issue certificates of contraindications should issue certificates based on the true condition of the recipients, and they should not resort to fraud. If there is any fraud, once it is verified, the responsibility of the doctors concerned will be investigated. If it is difficult to judge, it should be submitted to the county-level expert group for investigation and diagnosis of abnormal reaction to vaccination for discussion and decision.

　　According to the news of Siping Municipal People’s Government on August 23rd, the Municipal Health and Health Commission organized Covid-19 to train experts to judge the contraindications of vaccination and carry out supervision and inspection. The Municipal Health and Health Commission requires all supervision teams to immediately check the practices of all localities in implementing the judgment of contraindications, check the registration of contraindications at all vaccination sites, whether the relevant work requirements of the municipal party committee and municipal government are implemented, and whether the contraindications are established in all localities.

　　In addition, through training and supervision, we will further standardize the judgment and management of contraindications for vaccination in Covid-19, so as to avoid the situation that the judgment of contraindications is too large and the judgment is not strict, improve the vaccination ratio, realize that people without contraindications should be connected, and establish the city’s immune barrier as soon as possible.

Municipal People’s governments, provincial government departments and commissions, and directly affiliated institutions:
　　In order to further implement the Opinions of Liaoning Provincial People’s Government of Liaoning Provincial Committee of the Communist Party of China on Implementing the Policy of Expanding Domestic Demand to Promote the Sustained and Rapid Development of the Province’s Economy (Liao Wei Fa [2008] No.18) and the Opinions of Liaoning Provincial People’s Government of Liaoning Provincial Committee of the Communist Party of China on Further Strengthening the Operation of the Province’s Industrial Economy (Liao Wei Fa [2008] No.20), we will further promote administration according to law and effectively reduce the burden on enterprises and the masses in accordance with the requirements of the state. We hereby notify you as follows:
　　First, since January 1, 2009, 220 administrative fees have been cancelled and stopped in the whole province.
　　Two, the above administrative fees and charges to cancel and stop the collection, the relevant departments and units to perform administrative functions in accordance with the law, the funds needed by the budget at the same level to be arranged.
　　1 for administrative organs, administrative organs entrusted to perform administrative functions in accordance with the full subsidy and differential subsidy institutions, the required work funds shall be approved by the financial department at the same level according to the needs of the work through the departmental budget; Certificates such as forms, certificates, bills, books, etc., which belong to the performance of government functions, are distributed by administrative organs in accordance with laws and regulations, and the printing costs required are all included in the budget of the financial department at the same level for forms, certificates, bills, books, etc., and are uniformly printed by the financial department to the public.
　　2. For self-supporting institutions that are entrusted by administrative organs to exercise administrative functions according to law, the required funds shall be allocated by the financial department at the same level through arranging the project expenditure budget of the administrative department; Those who have not been entrusted by administrative organs to exercise administrative functions shall be dealt with by personnel and organization departments at all levels in combination with institutional reform of public institutions, and the financial department may temporarily give appropriate financial subsidies during the disposal period.
　　3. The institutions affiliated to the transportation department involved in the national levy of fuel consumption tax and the cancellation of road maintenance fees should be implemented in accordance with the relevant provisions of the central fuel tax reform plan.
　　Third, in the future, where relevant enterprises or self-supporting institutions fail to perform government functions, fees will be charged according to market rules, and they will no longer be included in the scope of government administrative fees management, and relevant government departments will no longer implement project approval.
　　Four, strengthen the management of examination and approval of administrative fees. In the future, any newly established administrative fees and charges (except those explicitly stipulated by laws and regulations) shall be audited by the provincial finance and price departments, and shall be submitted to the provincial government for examination and approval after passing the demonstration meeting and hearing.
　　Five, after the cancellation and stop the collection of administrative fees, the relevant collecting departments and units should go through the cancellation procedures of the License for Charging and the Certificate of Entrustment for Non-tax Revenue Collection in accordance with the provisions of the finance department and the price department, and go through the cancellation procedures of the bills at the finance department that originally issued the financial bills. Before January 1, 2009, the balance of relevant fees should be turned over to the state treasury or financial special account in strict accordance with the original channels stipulated by the financial department.
　　Six, governments at all levels and their relevant departments should strictly implement the provisions of this notice, and shall not delay or refuse to implement it for any reason. Financial departments and price departments at all levels should strengthen supervision and inspection of the implementation of this notice, and departments and units that fail to cancel and stop collecting administrative fees according to regulations should be punished according to regulations, and the administrative responsibilities of relevant responsible personnel should be investigated.
　　Seven, the municipal government and its financial department, the competent price department to comprehensively clean up the local administrative fees, the illegal and unreasonable fees should be immediately announced to cancel or stop the collection, and reported to the Provincial Department of Finance, the Provincial Price Bureau for the record.
　　Attachment: Administrative fees cancelled and stopped in the whole province.

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　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　the people’s government of liaoning province
　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　On December 15th, 2008
Attachment:

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　　1. Provincial Party Committee Confidential Bureau
　　(1) Ordinary fax and telegram charges
　　2. General Office of the Government (room)
　　(2) Service fee of bidding procurement agency
　　3. Public security department
　　(3) Temporary residence permit (card) fee
　　(4) Computer information system personnel safety training fees
　　(5) Fees for physical examination and physical fitness test for enrollment interview in public security colleges.
　　(6) Public security criminal technical inspection and appraisal fee
　　(7) Seal anti-counterfeiting network registration fee
　　(8) Physical fitness assessment and interview fees of the people’s police of public security organs
　　(9) Cost of temporary identity certificate for passengers.
　　4. Fire Department
　　(10) Quality inspection fee for automatic fire control system of construction project
　　(11) Fire safety training fee
　　5. Judiciary
　　(12) the judicial organs of the people’s police physical assessment and interview fees.
　　6. Ethnic Affairs Commission
　　(13) halal food certification and labeling fee
　　(14) Training fees for employees engaged in the production and operation of halal food.
　　7. The financial sector
　　(15) Fee for abacus certificate
　　(16) Cost of certified public accountants’ general qualification certificate
　　(17) Cost of accounting qualification certificate
　　(18) Abacus grade appraisal fee
　　8. Personnel department
　　(19) Professional and technical qualification certificate fee
　　(20) Professional and technical personnel computer application ability examination certificate fee
　　(21) Recording the employment fee
　　(22) Professional and technical qualification assessment fee
　　(23) Training fees for technical grades of workers in provincial organs and institutions.
　　(24) the national civil service certificate fee
　　(25) Employment contract verification fee and personnel dispute arbitration fee
　　(26) Labor ability appraisal fee
　　(27) Service fee for graduates of secondary specialized schools to handle employment formalities.
　　(28) Professional and technical personnel need training fees and examination fees for updating their knowledge.
　　(29) enjoy the special allowance of the State Council, experts, and the evaluation fee for the 1000-level candidates of the 100-million-talent project.
　　(30) Registration fee for the post examination of criminal science and technology and technical reconnaissance of public security organs.
　　9. Editing
　　(31) Registration fee for public institutions
　　10. Statistics department
　　(32) Assessment fee for technical qualification of senior statistical specialty.
　　11. Business sector
　　(33) Registration fee for advertising business units
　　(34) Cost of demonstration text of economic contract
　　12. Civil air defense department
　　(35) Civil air defense engineering quality supervision fee
　　13. Price department
　　(36) Fee for license fee
　　14. Education sector
　　(37) Evaluation fee for degree and postgraduate education
　　(38) Higher diploma fee
　　(39) Fee for foreign language and computer level examination certificate
　　(40) Miscellaneous fees for compulsory education (collection stopped on September 1, 2008)
　　(41) Compulsory education borrowing fee
　　(42) Fee for degree certificate
　　(43) Examination registration camera fee
　　(44) Higher education self-study exam transfer fee
　　(45) Admission fee for higher education self-study exam
　　(46) Service fee for employment formalities of college graduates
　　(47) Evaluation fee for specialty setting in colleges and universities
　　(48) IT examination fee for primary and secondary school teachers
　　(49) Assessment fee for professional and technical qualifications of the education system
　　15. Science and technology sector
　　(50) Cooperation and sharing fee for large-scale precision instruments
　　16. Cultural sector
　　(51) Assessment fee for professional and technical qualifications of cultural system
　　(52) xerographic fee
　　17. Population and family planning department
　　(53) Appraisal fee for disabled children
　　(54) Appraisal fee for complications of birth control operation
　　18. Radio and Television Department
　　(55) TV production review fee
　　(56) Cable TV engineering design audit fee
　　(57) Cable TV project quality inspection fee
　　(58) Accepting the verification fee for foreign satellite transmission programs.
　　(59) Appraisal fee for professional and technical qualification of radio and television system
　　(60) Cable TV migration fee
　　19. Press and publication department
　　(61) Commission inspection fee for printing product quality
　　(62) Training fees for news publishing posts
　　(63) Training fee for press and publication business
　　20. Sports sector
　　(64) Sports training fee
　　21. Archives department
　　(65) Book search protection fee
　　(66) Appraisal fee for professional and technical qualification of file system
　　22. Literary Federation
　　(67) Music performance grading fees
　　23. Transportation sector
　　(68) seaman’s certificate fee (including expedited)
　　(69) Fees for issuing the examination for seafarers’ certificates of competency.
　　(70) Certification fee for seafarers’ individual professional training examination.
　　(71) Crew service book application and certificate fee
　　(72) Training fees for navigation majors
　　(73) Storage management fee
　　(74) Highway engineering quality supervision fee
　　(75) Qualification appraisal fee for motor vehicle driving training school
　　(76) Cost of road transport business license
　　(77) Training fee for highway engineering supervision engineer
　　(78) Training fee for highway engineering test inspector (test engineer)
　　(79) Expressway obstacle clearing service fee
　　24. Department of Land and Resources
　　(80) Real estate certification fee
　　25. Construction sector
　　(81) Management fee for urban house demolition
　　(82) Engineering quota establishment determination fee
　　(83) Construction project quality supervision fee
　　(84) Increase the water fee by exceeding the planned water consumption.
　　(85) Housing license fee
　　(86) Exceeding the quota for gas price increase
　　(87) Arbitration fee for housing disputes
　　(88) professional and technical qualification assessment fee for construction system
　　(89) Training fees for safety technical knowledge of construction project safety management personnel and supervision personnel.
　　(90) Training fees for continuing education such as registered engineers of survey and design.
　　(91) Training fees for builders of construction enterprises
　　(92) Training fees for project managers of construction enterprises
　　26. Environmental protection department
　　(93) Fee for "Motor Vehicle Pollutant Emission Inspection Certificate"
　　27. Surveying and mapping departments
　　(94) Surveying and mapping system professional and technical qualification assessment fee
　　28. Labor and social security departments
　　(95) Fee for "Vocational Qualification Certificate"
　　(96) Fee for foreigners’ employment permit
　　(97) Employment permit fee for personnel from Taiwan, Hong Kong and Macao
　　(98) Labor dispute arbitration fee
　　(99) Labor contract verification fee
　　(100) Labor ability appraisal fee
　　(101) Admission fee for technical schools
　　(102) Technical school diploma fee
　　(103) Verification fee for technicians going abroad
　　(104) Occupational safety and health inspection fee, lifting machinery safety inspection fee.
　　(105) Appraisal fee for professional and technical qualifications of labor system
　　29. Health sector
　　(106) Examination and approval fee for disinfection medical equipment
　　(107) Cosmetic approval fee
　　(108) New resource food application review fee
　　(109) Health permit fee
　　(110) Nurse registration fee
　　(111) Cost of birth medical certificate
　　(112) Fees for licensing and examination of maternal and infant health care technical services
　　(113) Fee for doctor qualification certificate
　　(114) Medical practitioner registration fee (including medical practitioner certificate fee)
　　(115) Examination fee for nurse practice registration
　　(116) Assessment fee for professional and technical qualifications of Chinese and Western medicine.
　　(117) Provincial continuing medical education project evaluation fee
　　(118) Charge for quality evaluation between clinical laboratories
　　30. Civil Affairs Department
　　(119) Association registration fee
　　(120) Registration fee and change registration fee for private non-enterprise units (including certificate fee)
　　31. Food and drug supervision department
　　(121) Examination fee for medical device production license
　　(122) Medical device product registration fee
　　(123) professional and technical qualification assessment fee for drug administration system
　　(124) Registration fee for licensed pharmacists
　　(125) Training fees for continuing education of pharmacists in the industry.
　　32. Coal management department
　　(126) Cost of coal production license
　　33. Safety production supervision department
　　(127) Occupational and mine safety and health inspection fees
　　Agriculture sector
　　(128) Agricultural machinery service fee
　　(129) Commissioned inspection fee for crop seeds
　　(130) Agricultural contract verification fee
　　(131) Arbitration fee for agricultural contract
　　(132) Assessment fee for professional and technical qualifications of agricultural system
　　35. Water sector
　　(133) Water conservancy construction project quality supervision fee
　　(134) Management fees for small hydropower stations
　　The forestry sector
　　(135) forest seed quality inspection fee
　　(136) Charges for disinfection treatment of American white moth checkpoint drugs.
　　37. Marine fisheries sector
　　(137) Training fee for the crew of the Fishery Supervision System
　　(138) Quarantine fee for aquatic fingerlings
　　38. Animal health supervision department
　　(139) Epidemic prevention fees for livestock and poultry products (excluding quarantine fees)
　　(140) Veterinary drug business license fee
　　(141) Appraisal fee for breeding livestock and poultry

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　　1. Public security department
　　(1) Fee for account transfer certificate
　　(2) Motor vehicle mortgage registration fee
　　(3) Dog management fee
　　(4) Non-motor vehicle license fee (including license fee and registration fee)
　　2. Statistics department
　　(5) Statisticians’ post training fees
　　3. Foreign Affairs Office
　　(6) Certification fee
　　(7) endorsement fee
　　4. Price department
　　(8) Fees for price appraisal of articles involved.
　　5. Tourism sector
　　(9) intermediate and senior tour guides’ grade assessment fee
　　6. Education sector
　　(10) Putonghua proficiency test fee
　　(11) Accommodation fees for primary and secondary schools in rural compulsory education (cancelled since the beginning of the spring semester in 2009)
　　7. Press and publication department
　　(12) Professional skill appraisal fee for publication distributors.
　　8. Sports sector
　　(13) The appraisal fee for the segment.
　　(14) Competition registration fee
　　9. Archives department
　　(15) File charges
　　(16) science and technology archives information resources charges
　　10. Transportation Department
　　(17) Highway maintenance fees
　　(18) Highway transportation management fee
　　(19) Waterway transportation management fee
　　(20) inland waterway maintenance fee
　　(21) Ship registration fee
　　(22) Ship certification visa fee
　　(23) Review fee for ship’s application for safety inspection
　　(24) Oil sewage test fee
　　(25) Maritime mediation fee
　　(26) Oil slick charging
　　(27) Radio and telegraph telephone charges of coastal radio stations
　　(28) Escort fees for special ships and underwater projects.
　　(29) Inspection fees for ships and marine products and facilities
　　11. Department of Land and Resources
　　(30) Mining registration fee
　　(31) Registration fee for mineral resources survey
　　(32) Data fee for geological achievements
　　(33) Land Appraiser Qualification Examination Fee
　　12. Construction sector
　　(34) Urban housing safety appraisal fee
　　(35) Termite control fee
　　13. Environmental protection department
　　(36) Urban radioactive waste storage fee
　　14. Surveying and mapping departments
　　(37) Surveying and mapping data charges
　　(38) Fees for quality supervision and inspection of surveying and mapping products
　　(39) Surveying and mapping instrument detection fees
　　15. Labor and social security department
　　(40) Fees for graded detection of occupational hazards
　　The health sector
　　(41) epidemic treatment fee
　　17. Civil Affairs Department
　　(42) Adoption registration fee
　　(43) Marriage registration fee
　　18. Food and drug supervision department
　　(44) New drug approval fee
　　(45) Examination and approval fee for production pharmacopoeia and standard varieties.
　　(46) Protection fee for varieties of traditional Chinese medicine
　　(47) License fee for pharmaceutical production enterprises
　　(48) License fee for pharmaceutical trading enterprises
　　(49) preparation license fee
　　(50) Registration fee for the produced drugs.
　　19. Information industry sector
　　(51) Radio equipment inspection fee
　　(52) Computer software professional and technical qualifications and level examination fees
　　(53) Examination fee for professional skill appraisal of special jobs in electronic industry.
　　20. Quality supervision department
　　(54) Fees for production licenses of industrial products (including examination fees, excluding the fees charged by the state for issuing licenses)
　　21. CCPIT
　　(55) Certificate fee
　　(56) Certification fee
　　(57) Agency fee for foreign consular certification
　　The agricultural sector
　　(58) Domestic plant quarantine fee
　　(59) Domestic pesticide inspection fee
　　(60) seed production license fee
　　(61) seed business license fee
　　(62) Commissioned inspection fee for crops
　　(63) Fee for quality supervision and inspection of chemical fertilizer products
　　(64) Testing and inspection fees for agricultural machinery products
　　(65) pesticide registration fee
　　23. Water conservancy sector
　　(66) Water permit fee
　　(67) Quota management fee
　　The forestry sector
　　(68) forest seed production license fee
　　(69) forest seed business license fee
　　(70) Cost of forest right certificate
　　(71) Forest right survey fee
　　25. Marine fisheries sector
　　(72) Maritime mediation fee
　　(73) Examination fee for seafarers of marine fishing vessels
　　(74) Inspection fee for fishery radio equipment
　　(75) Audit fee for the navigation register of fishing vessels
　　26. Animal health supervision department
　　(76) Inspection fee for quality review of new veterinary drugs
　　(77) Registration fee for the varieties of veterinary drugs that have been produced.
　　(78) The Veterinary Drug Code, Veterinary Drug Specifications and Veterinary Drug Professional Standards contain the examination and approval fee for the production of varieties.
　　(79) Inspection fee for export veterinary drugs

　　[XCAR New Car Review Original]

　　With the release of the brand-new "2020 Strategy" on the eve of Shanghai Auto Show last year, SAIC-GM seems to have entered the fast lane and developed rapidly. In 2016, its three major brands Chevrolet, Buick and Cadillac successively launched a number of heavyweight models including Chevrolet Mai Rui Bao XL, New Cruze, Buick New LaCrosse, New GL8 and Cadillac CT6 and XT5, and achieved good market results. Many models have gradually become the main force in various market segments. This is also reflected in the sales volume. In the first three quarters of this year, SAIC-GM ranked third among domestic passenger car companies in terms of sales volume, and compared with Beijing Hyundai, which ranked fourth, its advantages were very obvious. In today’s article, we will introduce the future new car planning of SAIC-GM’s three major brands in combination with the new car information we have. You may also wish to see which new models will be put into the domestic market next.

　　Chevrolet new generation Equinox

　　Estimated time to market: the first quarter of 2017

　　New car comments: As the second best-selling model under the Chevrolet brand, the new generation Equinox aims at the hot medium-sized SUV market in China. Keeping pace with the North American market and introducing it in a localized way further demonstrates the sincerity of manufacturers and the importance they attach to domestic consumers. At present, the Chevrolet brand in the domestic SUV market of about 200,000-level is slightly weak to be supported only by this model in copaci. With the new Equinox coming into the market in the first quarter of next year, it will not only enrich the existing product line, but also rely on its own good competitiveness and good reputation accumulated in the North American market.New generation EquinoxWill challenge competitors at the same level.

　　Key points of new car:

　　1. Debut at Guangzhou Auto Show, which is expected to go on sale in the first quarter of 2017;

　　2. The appearance has been changed from the simple and honest shape before, and the latest family design has been adopted to become younger;

　　3. The design of the interior is almost the same as that of Mai Rui Bao XL, and the configuration is fully upgraded on the existing basis;

　　4. Equipped with 1.5T/2.0T engines respectively, matched with 6-speed automatic and 9-speed automatic gearboxes.

　　According to our understanding, Chevrolet’s new generation Equinox will officially meet with domestic consumers at the Guangzhou Auto Show, which will open on November 18th. At present, the new-generation Equinox trial car has been rolled off the assembly line at SAIC-GM Wuhan base, and it is expected that the new car will be put on sale in the first quarter of 2017.

　　Chevrolet’s new generation Equinox has swept away its simple and honest appearance and become younger, more sporty and more energetic. The front face of the typical Chevrolet family, the tough headlights, and the stupid polygonal headlights have disappeared. What can be preserved is Equinox’s unique double-layer grille design. The tail is also a Chevrolet feature, and the more fashionable horizontal taillights replace the previous vertical taillights.

　　The innovation of interior is obvious, and the new interior design is very similar to Chevrolet Mai Rui Bao XL. The combination of light brown and black leather makes the interior look calm and energetic. According to different models, it will be equipped with 7-inch and 8-inch MyLink systems, and support both Apple CarPlay and Android Auto systems.

　　If you put the rear seat of the new car flat, you can also get a very considerable luggage compartment space. In addition, the new generation Equinox is also equipped with collision warning system, lane departure alarm,Low speed automatic brakingSecurity configuration, etc.

　　In terms of power system, the new car will be equipped with 1.5T and 2.0T engines respectively after being introduced into China. The former has a maximum power of 127kW(172Ps) and a peak torque of 275Nm, matching a 6-speed automatic gearbox. The latter has a maximum output power of 188kW(256Ps) and a peak torque of 352Nm, matching the 9-speed automatic transmission. At the same time, the new car will also provide front-wheel drive and four-wheel drive systems for consumers to choose from.

　　Chevrolet new chuangkuo

　　Estimated time to market: Guangzhou Auto Show

　　New car comments: In recent years, a large number of small SUVs have sprung up, and small SUVs with monthly sales of over 10,000 vehicles are everywhere. However, it is a pity that Chevrolet Chuangkuo, which was put on the market in 2014, has been selling flat and not satisfactory. The upcoming new Chuangkuo has been greatly upgraded in terms of styling and configuration, which is more in line with the trend of youthfulness, which is also expected to attract the attention of more young consumers.

　　Key points of new car:

　　1. It is scheduled to be released on November 12th, and the Guangzhou Auto Show is expected to go on sale;

　　2. Adopting the latest family front face style, the face value has been comprehensively improved;

　　3. The overall shape of the center console has changed greatly, and the configuration has improved obviously;

　　4. Continue to be equipped with 1.4T engine, matching 6-speed manual and 6-speed automatic manual transmission.

　　Recently, it was learned from SAIC-GM that Chevrolet’s new Chuangkuo will be officially released at Guangzhou Changlong Chunlang Music Festival held on November 12th. The new cool value positioned in the small SUV has been comprehensively improved, and the front face has become more refined. It is expected that the price of the new car will be announced at the Guangzhou Auto Show, which opens on November 18th.

　　Judging from the official map released a few days ago, the new domestic Chuangkuo is basically the same as the overseas version, and the new family design language makes it more refined. Thanks to the family-style three-dimensional double grille design, the visual center of gravity of the front of the car is obviously reduced, and the visual sense of the hood is prolonged, which looks much more coordinated than the cash.

　　The tail of the new car also changes a lot. The newly designed double U-shaped LED taillights are applied to it, which is full of impact, and the wheel eyebrows are also much fuller than the current models, further enhancing the sense of power of the new car. With a new style of aluminum alloy wheels and an integrated roof rack, the new car has indeed improved its face value.

　　Coming to the interior part, the new Chuangku takes "dynamic driving" as the design concept, and the overall shape of the center console has changed greatly. A lot of soft lines are incorporated into the black and brown double-color interior to outline the layered center console, and the air conditioning outlet shape and key layout have been optimized, and the visual effect is good. In terms of configuration, the new Chuangku will add practical configurations such as independent digital tire pressure monitoring, remote engine start, keyless entry and one-button start.

　　In terms of power, Chevrolet’s new Chuangkuo will continue to be equipped with a 1.4T turbocharged engine. The transmission part is matched with the 6-speed manual and 6-speed automatic manual transmission.

Order of the Bank of China Insurance Regulatory Commission
No.3 of 2019

The Measures for the Administration of Health Insurance have been adopted at the 6th meeting of the President of China Banking and Insurance Regulatory Commission, China in 2018. It is hereby promulgated and shall come into force as of December 1, 2019.

Chairman Guo Shuqing
October 31, 2019

Measures for the administration of health insurance

Chapter I General Principles

Article 1 In order to promote the development of health insurance, standardize the operation of health insurance, protect the legitimate rights and interests of the parties involved in health insurance activities, and improve the people’s health protection level, these Measures are formulated in accordance with the Insurance Law of People’s Republic of China (PRC) (hereinafter referred to as the Insurance Law) and other laws and administrative regulations.

Article 2 The term "health insurance" as mentioned in these Measures refers to the insurance that the insurance company pays the insured for health reasons or medical behaviors, mainly including medical insurance, sickness insurance, disability income loss insurance, nursing insurance and medical accident insurance.

The term "medical insurance" as mentioned in these Measures refers to the insurance that provides protection for the medical treatment and rehabilitation of the insured in accordance with the insurance contract.

The term "sickness insurance" as mentioned in these Measures refers to the insurance that provides protection for the insured in the event of diseases agreed in the insurance contract.

The term "disability income loss insurance" as mentioned in these Measures refers to the insurance that pays insurance benefits on the condition that the illness or accidental injury agreed in the insurance contract leads to the loss of working ability, and provides protection for the insured’s income reduction or interruption in a certain period of time.

The term "nursing insurance" as mentioned in these Measures refers to the insurance that provides protection for the nursing needs caused by the disability of the insured’s daily life in accordance with the insurance contract.

The term "medical accident insurance" as mentioned in these Measures refers to the insurance that provides protection for the insured in case of medical damage that cannot be attributed to medical institutions and medical staff according to the insurance contract.

Article 3 Health insurance is an important part of the national multi-level medical security system. Adhere to the security nature of health insurance, encourage insurance companies to follow the principles of prudence and steadiness, constantly enrich health insurance products, improve health insurance services, expand health insurance coverage, and reduce health insurance prices and operating costs through effective management and market competition, so as to enhance the level of protection.

Article 4 Health insurance is divided into long-term health insurance and short-term health insurance according to the insurance period.

Long-term health insurance refers to health insurance whose insurance period exceeds one year or whose insurance period does not exceed one year but contains a guarantee renewal clause.

The insurance period of long-term care insurance shall not be less than 5 years.

Short-term health insurance refers to health insurance whose insurance period is one year or less and does not contain the guarantee renewal clause.

Guaranteed renewal clause refers to the contractual agreement that before the expiration of the previous insurance period, the applicant applies for renewal and the insurance company must continue to underwrite according to the original clause and agreed rate.

Article 5 Medical insurance is divided into cost compensation medical insurance and fixed payment medical insurance according to the payment nature of insurance benefits.

Cost-compensated medical insurance refers to medical insurance that determines the amount of insurance money according to the actual medical and rehabilitation expenses of the insured and the agreed standards.

Fixed payment medical insurance refers to medical insurance that pays the insurance premium according to the agreed amount.

The payment amount of cost compensation medical insurance shall not exceed the amount of medical and rehabilitation expenses actually incurred by the insured.

Article 6 The Insurance Regulatory Commission of the Bank of China (hereinafter referred to as China Banking and Insurance Regulatory Commission) shall supervise and manage the health insurance activities of insurance companies according to laws, administrative regulations and the authorization of the State Council.

Article 7 The policy insurance business related to health insurance carried out by insurance companies shall be implemented with reference to these Measures, unless otherwise stipulated by national policies.

These Measures shall not apply to the entrusted management services provided by insurance companies that do not undertake insurance risks.

Chapter II Operation and Management

Article 8 Health insurance companies, life insurance companies and endowment insurance companies established according to law may engage in health insurance business with the approval of China Banking and Insurance Regulatory Commission.

Insurance companies other than those specified in the preceding paragraph may engage in short-term health insurance business with the approval of China Banking and Insurance Regulatory Commission.

Article 9 Except for health insurance companies, an insurance company shall set up a special health insurance department to operate health insurance business. The Health Insurance Division shall continuously meet the following conditions:

(1) Establishing a separate accounting system for health insurance business;

(two) the establishment of health insurance actuarial system and risk management system;

(three) the establishment of health insurance underwriting system and claims system;

(four) the establishment of health insurance data management and information disclosure system;

(5) Establishing a fully functional and relatively independent health insurance information management system;

(six) equipped with actuarial personnel, underwriting personnel, underwriting personnel and medical education background management personnel with professional knowledge of health insurance;

(seven) other conditions stipulated by China Banking and Insurance Regulatory Commission.

Article 10 An insurance company shall provide professional health insurance training to employees engaged in underwriting, claim settlement and sales of health insurance.

Article 11 An insurance company shall strengthen the privacy protection of the insured, the insured and the beneficiary, and establish a health insurance customer information management and confidentiality system.

Chapter III Product Management

Article 12 Insurance clauses and premium rates of health insurance drawn up by insurance companies shall be submitted for examination and approval or filing in accordance with relevant regulations of China Banking and Insurance Regulatory Commission.

Health insurance products that enjoy preferential tax policies shall comply with relevant policies and regulatory requirements in product design and payout ratio.

Article 13 If a health insurance product drawn up by an insurance company contains more than two kinds of health insurance responsibilities, the chief actuary shall judge the main responsibilities according to general actuarial principles and determine the product type according to the main responsibilities.

Fourteenth medical accident insurance and long-term illness insurance products can include death insurance liability. The death payment amount of long-term illness insurance shall not be higher than the maximum payment amount of illness. Other health insurance products shall not include death insurance liability, except for death insurance liability caused by illness.

Medical insurance, sickness insurance and medical accident insurance products shall not include the liability of survival insurance.

Article 15 A long-term health insurance product shall have a contract hesitation period, and the rights of the insured during the hesitation period shall be specified in the insurance clauses. The hesitation period of long-term health insurance products shall not be less than 15 days.

Article 16 An insurance company shall sell short-term personal health insurance products in strict accordance with the product rates approved or filed.

Article 17 Except for the family history of hereditary diseases, an insurance company shall not make differential pricing based on other genetic information and genetic testing data of the insured.

Eighteenth short-term group health insurance products can adjust the product parameters.

Product parameters refer to the insurance amount, minimum payment, payment ratio, excluded liability, liability waiting period and other matters that are reasonably adjusted according to the specific conditions of the insured group in the insurance product terms.

Article 19 When an insurance company submits a short-term group health insurance product with adjustable product parameters for examination and approval or filing, the application materials submitted shall include the method for adjusting product parameters, which shall be signed and confirmed by the chief actuary following the principle of prudence.

When an insurance company sells short-term group health insurance products with adjustable product parameters, it shall calculate the corresponding insurance premium rate according to the adjustment method of product parameters, its own risk management level and the risk situation of the insured group, and the adjustment of product parameters shall not change the rate calculation method and the basic data needed for rate calculation.

If an insurance company sells short-term group health insurance products with adjustable product parameters and needs to change the rate calculation method or the basic data needed for rate calculation, it shall re-submit the product for approval or filing.

Article 20 An insurance company may stipulate in its insurance products that the rate of long-term medical insurance products shall be adjusted, and clearly indicate the trigger conditions for the rate adjustment.

Long-term medical insurance product rate adjustment should follow the principle of fairness and rationality, and the trigger conditions should be objective and universally applicable, and comply with relevant regulatory provisions.

Article 21 For a health insurance product with a guarantee renewal clause, the effective time of the guarantee renewal clause shall be clearly stipulated.

A health insurance product with a guarantee renewal clause shall not stipulate that the insurance company has the right to reduce the insurance liability and increase the scope of liability exemption when renewing the insurance.

Where an insurance company submits a health insurance product with a guarantee renewal clause for examination and approval or filing, it shall explain the pricing method of the guarantee renewal and the calculation method of the liability reserve in the actuarial report of the product.

Article 22 An insurance company shall respect the insured’s right to receive reasonable medical services when drafting medical insurance product clauses, and shall not set unreasonable or contrary to general medical standards in the clauses as a condition for paying insurance benefits.

Article 23 The disease diagnosis standards agreed by insurance companies in the terms of health insurance products shall conform to the prevailing medical diagnosis standards and take into account the development trend of medical technical conditions.

After the health insurance contract comes into effect, if the insured is diagnosed with a disease according to the prevailing medical diagnostic criteria, the insurance company shall not refuse to pay insurance benefits on the grounds that the diagnostic criteria are inconsistent with the insurance contract.

Article 24 When designing medical insurance products with cost compensation, an insurance company must distinguish whether the insured has free medical care, basic medical insurance and other medical insurance with cost compensation, and treat them differently in terms of insurance clauses, rates or compensation amount.

Article 25 If the insured has more than one effective medical insurance policy of expense compensation at the same time, he can decide the order of claim settlement independently.

Article 26 An insurance company may agree with the applicant that the condition for payment of insurance benefits is that the insured receives medical treatment in a designated medical institution.

The medical institutions designated by insurance companies shall follow the principles of convenience for the insured and reasonable management of medical costs, guide the insured to rationally use medical resources and save medical expenses, and make explanations and explanations to the insured and the insured.

Twenty-seventh disease insurance, medical insurance, nursing insurance products waiting period shall not exceed 180 days.

Twenty-eighth medical insurance products can be appropriately inclined to the poor in terms of pricing, compensation conditions, scope of protection, etc., and be clearly defined in writing.

Article 29 The survival insurance money paid by nursing insurance products before the expiration of the insurance period shall be paid on the condition that the insured needs nursing due to the disability of daily life agreed in the insurance contract.

Thirtieth to encourage insurance companies to develop medical insurance products, to ensure the application of new drugs, new medical devices and new diagnosis and treatment methods in medical services.

Article 31 Insurance companies are encouraged to adopt new technologies such as big data to improve the level of risk management. For health insurance claims with clear facts and clear responsibilities, insurance companies can use information technology such as the Internet to review the digital claims materials of the insured, simplify the claims process and improve service efficiency.

Article 32 An insurance company shall, according to the actual payment experience of health insurance products, make retrospective analysis on product pricing, timely revise the rate of newly sold health insurance products, and conduct examination and approval or filing according to the relevant regulations of China Banking and Insurance Regulatory Commission.

Article 33 Insurance companies are encouraged to provide innovative health insurance products to meet the multi-level and diversified health protection needs of the people.

Article 34 Innovative health insurance products developed by insurance companies shall conform to the Insurance Law and the basic principles of insurance, and shall be submitted to China Banking and Insurance Regulatory Commission for approval or filing in accordance with relevant regulations.

Chapter IV Sales Management

Article 35 When selling health insurance products, an insurance company shall strictly implement the insurance clauses and insurance rates that have been approved or filed.

Article 36 An insurance company shall not refuse to provide health insurance products that have been approved or put on record, unless otherwise stipulated in the statutory reasons and terms.

Insurance companies selling health insurance products shall not be forced to match other products for sale.

Article 37 An insurance company may not entrust a medical institution or medical staff to sell health insurance products.

Article 38 When selling health insurance products, an insurance company shall not illegally collect or obtain the genetic information and genetic test data of the insured except the family history of genetic diseases; Nor may the applicant, the insured or the beneficiary be required to provide the above information.

An insurance company shall not take genetic information and genetic testing data other than the family history of the insured as underwriting conditions.

Article 39 When an insurance company sells health insurance products, it shall explain the contents of the insurance contract to the applicant in written or oral form, and clearly inform the following matters, which shall be confirmed by the applicant:

(1) Insurance liability;

(2) Reduction or exemption of insurance liability;

(3) The waiting period of insurance liability;

(4) The hesitation period of the insurance contract and the related rights and obligations of the applicant;

(five) whether to provide the guarantee renewal and the effective time of renewal;

(six) claims procedures and claims documents;

(seven) the insurance period of each product in the combined health insurance product;

(eight) other matters stipulated by China Banking and Insurance Regulatory Commission.

Article 40 When selling health insurance products, an insurance company shall not exaggerate the scope of insurance coverage, conceal the exemption from liability, or mislead the insured and the insured.

If the applicant and the insured ask about the technical terms such as insurance, medical treatment and diseases in the insurance clauses, the insurance company shall explain them in clear and understandable language.

Article 41 When an insurance company sells medical insurance with compensation for expenses, it shall ask the insured whether the insured has free medical care, basic medical insurance or other medical insurance with compensation for expenses, and the insured shall truthfully inform him.

An insurance company shall explain to the applicant the legal consequences of not telling the truth, and make relevant records.

An insurance company shall not induce the insured to repeatedly purchase medical insurance products with the same or similar guarantee function for the same insured.

Article 42 When an insurance company sells medical insurance, it shall inform the insured of the name list or qualification requirements of the agreed medical institutions and provide inquiry service.

If an insurance company adjusts the contracted medical institution, it shall promptly notify the applicant or the insured.

Article 43 Where an insurance company sells health insurance products without guaranteed renewal clauses in the form of additional insurance, the insurance period of the additional insurance shall not be less than that of the main insurance.

Article 44 Where an insurance company sells long-term personal health insurance products, it shall pay a return visit to the applicant within the hesitation period.

If an insurance company finds that the applicant has been misled during the return visit, it shall do a good job of explanation and clearly inform the applicant of the right to terminate the insurance contract according to law.

Article 45 When an insurance company underwrites group health insurance, it shall inform each insured in written or oral form of their participation and related rights and interests.

Article 46 If the applicant cancels the group health insurance contract, the insurance company shall require the applicant to provide valid proof that the insured has been notified to surrender, and return the surrender money to the applicant’s payment account or other account through bank transfer or remittance of the original insured funds in accordance with the provisions of China Banking and Insurance Regulatory Commission on group insurance surrender.

Chapter V Reserve Evaluation

Article 47 An insurance company engaged in health insurance business shall submit the actuarial report or reserve evaluation report of the previous year in accordance with the relevant provisions of these Measures.

Article 48 The insurance company shall withdraw the reserve for the outstanding claims that have occurred and have been reported.

An insurance company shall carefully withdraw the reserve for outstanding claims that have occurred, reported and reported by adopting reasonable methods such as case-by-case estimation method and case-by-case average compensation method.

If an insurance company adopts an actuarial method other than the case-by-case estimation method to make provision for reported outstanding claims, it shall report the basic data, parameter setting and estimation method of this method in detail, and explain the source of basic data, data quality and the reliability of reserve calculation results.

If the chief actuary of an insurance company cannot confirm the reliability of the estimation method or the experience data of related business is less than 3 years, it shall withdraw the reserve for reported and outstanding claims according to the amount of claims already filed.

Article 49 For the compensation or payment that has occurred but has not been claimed, the insurance company shall withdraw the reserve for outstanding claims that have occurred but have not been reported.

An insurance company shall, according to the risk nature and empirical data of the insurance products, at least use two methods, namely, the chain ladder method, the case-average compensation method, the reserve progress method, the B-F method and the payout ratio method, to evaluate the outstanding loss reserve that has occurred and has not been reported, and select the maximum value of the evaluation result to determine the best estimated value.

An insurance company shall report in detail the basic data, calculation method and parameter setting of the outstanding claims reserve that has occurred, and explain the source of the basic data, the quality of the data and the reliability of the calculation results of the reserve.

If the chief actuary of an insurance company judges that the data base can’t ensure the reliability of the calculation results, or the experience data of related businesses is less than 3 years, it shall withdraw the outstanding claims reserve that has occurred but has not been reported according to not less than 10% of the actual claims expenditure in the fiscal year.

Article 50 For short-term health insurance business, the insurance company shall withdraw the unexpired liability reserve.

Short-term health insurance can use one of the following methods to withdraw the unexpired liability reserve:

(1) One-quarter gross premium method (accrued on a monthly basis);

(2) 365th gross premium method (accrued on a daily basis);

(3) According to the risk distribution, other more cautious and reasonable methods can be adopted, and the unearned liability reserve drawn shall not be lower than the lesser of the results obtained in methods (1) and (2).

Article 51 The withdrawal amount of the unexpired liability reserve for short-term health insurance shall not be less than the greater of the following two:

(a) the balance of the expected future compensation and expenses after deducting the relevant investment income;

(2) The surrender amount when all policies are assumed to be surrendered on the assessment date of the liability reserve.

If the unearned liability reserve is insufficient, the premium shortage reserve shall be withdrawn to make up for the difference between the unearned liability reserve and the greater of the two items mentioned in the preceding paragraph.

Article 52 The liability reserve mentioned in these Measures refers to the business-related reporting liability reserve, and the provision of financial reporting liability reserve and solvency reporting liability reserve shall be implemented in accordance with the relevant regulations of the Ministry of Finance and China Banking and Insurance Regulatory Commission.

Fifty-third long-term health insurance unearned liability reserve provisions shall be implemented in accordance with the relevant provisions of China Banking and Insurance Regulatory Commission.

Article 54 An insurance company shall report the results of reserve withdrawal to China Banking and Insurance Regulatory Commission before and after reinsurance.

Chapter VI Health Management Services and Cooperation

Article 55 An insurance company may combine health insurance products with health management services to provide health risk assessment and intervention, disease prevention, health check-up, health consultation, health maintenance, chronic disease management, health care and other services to reduce health risks and disease losses.

Article 56 Where an insurance company provides health management services, the contents of the health management services may be specified in the terms of the insurance contract, or a separate health management service contract may be signed.

Fifty-seventh health insurance products to provide health management services, the cost of sharing shall not exceed 20% of the net insurance premium.

Services exceeding the above limits shall be priced separately, not included in the insurance premium, and the price of health management services shall be clearly stated in the contract.

Article 58 When operating medical insurance, an insurance company shall strengthen cooperation with medical institutions, health management institutions and rehabilitation service institutions to provide the insured with high-quality and convenient medical services.

When operating medical insurance, an insurance company shall, in accordance with the relevant policy documents, supervise the authenticity and legality of the insured’s medical behavior and strengthen the management of the rationality and necessity of medical expenses.

Article 59 Insurance companies should actively play the role of health insurance rate adjustment mechanism in controlling medical expenses and risks, and reduce unreasonable medical expenses.

Article 60 An insurance company shall actively play its role as a third party in the doctor-patient relationship, help alleviate the information asymmetry between doctors and patients, and promote the settlement of contradictions and disputes between doctors and patients.

Article 61 The cooperation between an insurance company and a medical institution or health management institution shall not harm the legitimate rights and interests of the insured.

Article 62 An insurance company shall, in accordance with the provisions of laws and administrative regulations, fully protect the privacy of customers and data security, and conduct necessary information interconnection and data sharing with medical institutions and basic medical insurance departments according to the scope and objects of service.

Chapter VII Reinsurance Management

Article 63 When handling reinsurance business of health insurance, an insurance company shall abide by the Insurance Law and the provisions of China Banking and Insurance Regulatory Commission on the management of reinsurance business.

Article 64 branches of insurance companies shall not handle the reinsurance business of health insurance, except for branches of reinsurance companies.

Chapter VIII Legal Liability

Sixty-fifth insurance companies and their branches in violation of these measures, China Banking and Insurance Regulatory Commission and its dispatched offices shall be punished according to laws and administrative regulations; Where there are no provisions in laws and administrative regulations, China Banking and Insurance Regulatory Commission and its dispatched offices shall order it to make corrections, give it a warning, impose a fine of more than 1 time and less than 3 times the illegal income on those who have illegal income, but the maximum amount shall not exceed 30,000 yuan, and impose a fine of less than 10,000 yuan on those who have no illegal income; Anyone suspected of committing a crime shall be transferred to judicial organs for criminal responsibility according to law.

Article 66 Employees of insurance companies and employees of branches of insurance companies who violate these measures shall be punished by China Banking and Insurance Regulatory Commission and its dispatched offices in accordance with laws and administrative regulations; Where there are no provisions in laws and administrative regulations, China Banking and Insurance Regulatory Commission and its dispatched offices shall order it to make corrections, give it a warning, impose a fine of more than 1 time and less than 3 times the illegal income on those who have illegal income, but the maximum amount shall not exceed 30,000 yuan, and impose a fine of less than 10,000 yuan on those who have no illegal income; Anyone suspected of committing a crime shall be transferred to judicial organs for criminal responsibility according to law.

Chapter IX Supplementary Provisions

Article 67 These Measures shall apply to health insurance operated by mutual insurance organizations.

Article 68 These Measures shall apply to the sales of health insurance products by insurance intermediaries and their employees.

Article 69 Whoever sells health insurance products through banks, postal services and other channels shall abide by the provisions of the relevant regulatory authorities.

Article 70 If the provisions promulgated by the former China Insurance Regulatory Commission before the implementation of these Measures are inconsistent with these Measures, these Measures shall prevail.

Article 71 China Banking and Insurance Regulatory Commission shall be responsible for the interpretation of these Measures.

Article 72 These Measures shall come into force as of December 1, 2019. The Measures for the Administration of Health Insurance issued by the former China Insurance Regulatory Commission on August 7, 2006 (Order No.8 of the CIRC in 2006) shall be abolished at the same time.

Variety show market has always been not only the main position of content innovation, but also an important window of insight into the times. In the past two years, with the improvement of audience’s aesthetic level and the change of content consumption demand, the innovation of variety shows has gradually moved from single mode innovation, theme innovation and expression innovation to value guidance and emotional insight. How variety shows are closely integrated with practical issues and people’s spiritual and cultural needs has become the direction for creators to constantly strive to improve.

In many innovative cases, "Hello, Saturday" takes going deep into life and taking root in people as the first step of creation, continuously upgrading the creative concept, making the content theme keep pace with the times, keeping close to the public mood, spreading the voice of the times, and striving to write vivid images of ordinary people chasing dreams of China and pursuing a happy life. The program ended in the third quarter, bringing youthful passion and emotion to the audience again and again through "memory killing", using a variety of literary elements to stimulate "struggle empathy" and "emotional resonance", increasing the visibility of the program through various forms of creativity, rejuvenating traditional culture, closely combining social hotspots, promoting dual-platform drive and deepening the integration and innovation strategy.

"Hello, Saturday" ratings and word-of-mouth are rising all the way. In the third quarter, multi-dimensional data led the way and won 12 consecutive ratings. The program led the way in the variety market of Aiman Data’s monthly reports in August, September and October. Weibo mentioned 46.788 million times in the program month, and Mango TV had 830 million times of video clicks in the month, ranking first in the TV variety fusion communication index list in August, September and October. In the third quarter, the whole network won 3600+ hot searches, the total reading volume of topics in the whole network exceeded 60 billion, and the number of discussions exceeded 90 million. The reading volume of main topics on Weibo platform # Hello Saturday # increased by 6 billion in the third quarter, and 11 hot searches of Weibo programs reached the top of TOP1, and they reached the top of the live hot chat list of Weibo dramas twice.

Variety+feelings:

Stimulate "struggle empathy" and "emotional resonance"

"Hello, Saturday" adheres to the people-centered creative orientation. In conception, it reflects great feelings with the struggle of small people, shines into the great era with micro-perspective description, and stimulates the audience’s "struggle empathy" and "emotional resonance" through "memory killing".

In the third quarter of the program, a nostalgic classic space-time scene was opened from a brand-new perspective, and a dialogue was held with the past self, people, things or things, which led the audience to flash back instantly and had a strong emotional resonance.

"Big Head Sticker Shop", "Video Store", "Clothing Store" and "Snack House" … The opening of each program directly catches the audience’s eye with the nostalgic street view of Haoliu Street. The scenes of every shop on the street are truly restored, and the details are highly realistic. Through hard-core content elements such as past scenes, props, old videos, classic old songs, classic film clips, and things done in those years, the program allows the audience to complete an immersive journey through time and space.

In addition to creating a nostalgic atmosphere, content design also strengthens the emotional experience of the audience. For example, seniors and sisters gathered in "Haoliu Middle School" to recall the lush years with their classmates. By opening the "time capsule" to share the beautiful photos of each guest during their school days, they can talk to their own past in the story of recalling the past time and space, which will lead to more imagination and bring the audience’s thoughts back to the beautiful memories of middle schools and universities. Cyndi Wang and her fans for many years danced "Love You" in the same frame, which was full of emotion. The Haoliu Tea Party will create a special edition of the national style and tide in previous programs, leading the audience to enjoy the beauty of the national style. Especially when the familiar melody of the classic old songs sounded, the empathy ceremony of "one person sings for all people" was immediately formed.

This "retro card" played by "Hello, Saturday" set off a "memory killing" of the post-80 s and post-90 s on the whole network, directly hitting the hearts of the audience. From "collective memory" to "sentimental memory killing", nostalgia opens up the past space, making the narrative time and space of the program fluid, thus producing new stories. In the interweaving of the old and the new, it gives the old stories a new spirit of the times, which is an upgrade of the nostalgic theme in traditional programs and a breakthrough in the creative level of program content.

Variety+plot:

Various forms of creativity are presented, and traditional culture is full of new vitality.

It is a highlight of "Hello, Saturday" in the third quarter to connect the whole program with the plot. The main task plot of the single-phase program is running through, such as "the selection of the number one sweetheart", "Wangpu for rent", "the most tacit partner combination", "choosing the hero and heroine for the explosive TV series" Falling in love with you for the sixth time "and" the investigator of Haoliu Office gets the investigation fund ".The main task plot clue of the single-phase program integrates the original loose elements such as games, performances, interviews, etc., so that the program content and the main plot line have internal logical connections.

Chinese culture is extensive and profound, and the beauty of oriental classics contains rich cultural connotations. "Hello, Saturday" takes "the beauty of the East" as the theme, and takes you to appreciate the infinite charm of Chinese culture with traditional cultural styles such as satin dance and armor. In the program, Sun Yi appeared in a classical dance style and cooperated with Zhang Xiaolong to bring the stage of Xiao Meng. In the "beauty of collection" link, two precious manuscripts of the monthly card appeared, restoring the beauty of women’s manners in the 1970 s and 1980 s; Qin Xiaoxian and Dylan put on heavy armor to start the "catwalk" stage, reappearing the fearless spirit of heroes … The program allows the audience to immerse themselves in cultural charm and learn more about history.

Hunan Satellite TV has always adhered to the people’s position, adhered to the people-centered creative orientation, led the growth of young people through literary and artistic works loved by ordinary people, established cultural self-confidence, and defined their own trend culture of China youth. The program puts dance, music, conversation, performance, interaction, Live show, traditional culture and scenes in the play on the stage, and brings beautiful visual enjoyment to the audience with cross-border integrated arrangement and innovative artistic presentation, which fully reflects that the program group further improves its creative concept, embraces the life of the times, and truly takes going deep into life and taking root in the people as the first link of literary and artistic creation.

Variety+Hot Spots:

Practice dual-platform drive and deepen the strategy of integration and innovation

In the third quarter, "Hello, Saturday" brought into play the advantages of deep integration of Hunan Satellite TV and Mango TV in the creation and broadcasting, strengthened the content to create new, audio-visual highlights, and immersed the audience in the prosperity and development of TV art.

In the third quarter, we created constant surprises in the dance design and program scheduling, and the "blind box effect" brought by stage design was a highlight of this season. The long shots of many opening shows give a panoramic view of the street view of Haoliu Street, which fully reflects the consistently superb technical level and artistic expression of Hunan Satellite TV’s variety show creation.

"Hello, Saturday" closely follows hot topics, gives full play to its advantages of self-use and self-sufficiency, and interacts with hot film and television projects in real time, truly realizing the internal linkage between Hunan Satellite TV in cross-media and cross-category. The TV series "The Bottom Line" is a realistic TV series with the theme of rule of law, which is directed by the Supreme People’s Court, and shows the latest achievements of China’s judicial reform in a panoramic view. When the drama landed in the Golden Eagle solo theater of Hunan Satellite TV, actors and representatives also came to the program "Hello, Saturday" to explore the story behind "The Bottom Line" with the reasonable and unexpected variety scenes with the host team, forming a drama-integrated linkage mode. This kind of "drama-integrated marketing" closely following hot spots has changed the traditional thinking of "content flow" in the past, and realized the cross-screen "broken wall" and translation of attention. Digging deep into the content moat has become an effective way to amplify the mainstream voice.

In March this year, Hunan Satellite TV and Mango TV formally merged deeply and entered the era of 1+1 > 2. Hunan Radio and Television’s "two wings" and "two cores" realized the true "blood integration". From continuously producing high-quality film and television works and innovating media communication forms for many years, to strengthening the integration of technology and art, and the linkage of dual-platform creation and broadcasting, Hunan Radio and Television dual-platform has also continuously injected new kinetic energy into the development of China TV variety shows under the deep development of network integration. A practice of media integration with mainstream new media groups as the blueprint and dual-platform integration as the lever was creatively written on Malan Mountain.

Variety+Youth:

Show a true, three-dimensional and comprehensive look after 00.

Hello, Saturday is a gathering place for youth. The program focuses on more ordinary people. A group of students who were admitted to the ideal university in 2022 showed their college admission notices in the program and shared their love and yearning for the ideal university. Through a group of good young people of the new era who have ideals, dare to take responsibility, can bear hardships and are willing to struggle, the program talks with the young people of the times and leads the youth fashion.

Hello, Saturday is also an important carrier to lead the youth culture. Whether it is the interpretation of "long sleeves and big sleeves", or the "armored warrior", whether it is the melodious Miao songs or the passionate Mongolian dance, the program always remembers its mission and responsibility, strengthens its cultural self-confidence, leads young people to taste the beauty of national style, and conveys youth attitude, youth culture and youth aesthetics in its own unique way.

From the perspective of youth, "Hello, Saturday" highlights the values such as "human touch, companionship, youth, warmth", firmly occupying the hearts of young users and talking with young people. At the same time, based on the grasp of social emotions and hot spots of the times, the program broadens the boundaries of program content with strong innovation of mainstream content and innovative expression of mainstream values, guides the value pursuit of young people’s growth and development, opens collective youth memories every weekend night, realizes the same-frequency resonance of emotions inside and outside the screen, and completes the praise of youth and the expression of mainstream cultural values again and again.

From developing a new direction in content form to continuously upgrading its conception, "Hello Saturday" always adheres to positive value guidance, highlights Hunan Satellite TV’s firm mainstream media position, and endows innovative content with multiple forces on the basis of continuing its unique youthful temperament, which is another vivid practice to further upgrade and express the new ecology of "Youth China".

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　　[car home’s deep comment] On March 26th, the anniversary of Ding Maoyue’s death, it was appropriate to set up a coupon and open the market. At about 18 o’clock in the afternoon, when most of the autobots got off work, a notice was posted on the website of the Ministry of Finance-Notice on Further Improving the Financial Subsidy Policy for the Promotion and Application of New Energy Vehicles (hereinafter referred to as the Notice or Caijian [2019] No.138). The Ministry of Finance, the Ministry of Industry and Information Technology, the Ministry of Science and Technology and the National Development and Reform Commission "set up a voucher" together, and set a contract between the central government and automobile manufacturers and consumers of new energy vehicles on the subsidy policy for the promotion and application of new energy vehicles in China in 2019, which also means that the new energy vehicle market in 2019 can finally be opened.

　　"It’s finally out." The author contacted several colleagues in the industry, and the attitude towards this notice was surprisingly consistent. After months of waiting, the industry is more concerned about when the policy will be implemented, rather than the level of subsidies.

● What is "Deep Comment"?

　　《Asked deeply.""is the first program created in car home for users in the industry, written by senior practitioners in the automobile industry, to exclusively analyze/reveal major events in the industry. In addition to the lively appearance, we want to show you the exploration and thinking of the essence, cause and effect and future possibility of things.

　　Current industry commentator-Khufu, an atypical autobot working in an automobile company. Over the past ten years, I have traveled around Industry-University-Research, a city related to the automobile industry, and I have my own understanding and thinking about the industry, learning from each other through the platform of "car home".

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　　● In 2019, the state subsidy was less than the legend, and the threshold for obtaining subsidies was higher; Local subsidies are directly suspended.
　　● This time, the government’s expectation management has been done very well. What the industry practitioners are most concerned about is not the amount of subsidies, but when the policies will be released.
　　● For the industry, a sharp decline in subsidies is a powerful medicine to screen out strong multinational companies that are about to enter in a big way.

First, the late subsidy policy in 2019

　　Let’s turn the clock back to February 12, 2018. On that day, the four ministries and commissions issued the subsidy policy for the promotion and application of new energy vehicles in 2018. It is clearly stated in the document that "relevant ministries and commissions will study and release the thresholds of key technical indicators in 2019 and 2020 in advance according to factors such as technological progress, industrial development and scale of popularization and application of new energy vehicles".

"Screenshot of Notice of New Energy Subsidy Policy in 2018"

　　This sentence brings hope to the relevant practitioners: in 2019, the business policies of various enterprises are expected to be formulated in advance, so it is not necessary to "look forward to it" as in 2018. But what I didn’t expect was that the release date of the subsidy policy for the new year came late and was not released until the end of March. However, it is understandable that, after all, it is not an easy task to squeeze tens of billions or even hundreds of billions of yuan from the central budget to subsidize the promotion and application of new energy vehicles under the background that the country is facing "increasing downward pressure on the economy".

　　To put it simply, the core content of the subsidy policy in 2019 can be summarized as the following three points: the amount of state subsidies is less, the technical threshold is higher, and the land subsidies are forcibly cancelled.

　　1. "The amount of state subsidy is less" means that compared with the subsidy standard in 2018 and previous years, this year’s standard has dropped the most. For example, the subsidy for electric passenger cars decreased by 47% from the lowest to 100% from the previous year. And in the case of non-personal purchases, the national subsidy standard will be further discounted by 30%.

　　2. "Higher technical threshold" includes three aspects. Take passenger cars as an example. First, the minimum requirement for cruising range is increased from 150km in 2018 to 250km；. Second, the starting value of battery energy density requirement increased from 105Wh/kg last year to 125 Wh/kg; The third is to tighten the energy consumption of the whole vehicle, and it needs to be more than 10% higher than the threshold set by the 2018 policy before it can be subsidized.

　　3. "Compulsory cancellation of land compensation" means that after June 26, local governments are not allowed to give users subsidies for the purchase of new energy vehicles (except buses and fuel cell vehicles), otherwise the central government will make corresponding deductions from relevant financial subsidies.

　　Car home has a special article on the analysis of the policy provisions in 2019, so I won’t go into details here. For interested readers, please click "Quick Review: Seven Major Changes to Interpret the New Direction of Subsidy Policy in 2019".

Second, expectations are managed in place, and the focus of enterprises is no longer more money than less money.

　　Although the subsidy in 2019 was much less than last year, a common feeling of Khufu when communicating with his peers was: "It was finally introduced." The reason for this attitude is that after months of waiting, people are more concerned about when the policy will be introduced than whether the subsidy amount is high or low. To use the popular expression some time ago, it is that the four ministries and commissions, including the Ministry of Finance, have put the "expected value management" of the automobile industry in place this time.

　　As mentioned above, the policy of 2018 stated that the policy of 2019 would be introduced in that year, but until December of that year, the leaders of the Ministry of Finance were still leading a team to the automobile enterprises to investigate how to formulate the subsidy policy. At that time, the industry practitioners had roughly predicted that the business policy of the new energy vehicles of this enterprise would cross the river by feeling the stones again in 2019.

　　When selling new energy vehicles at the terminal, it is a great trouble to be unable to predict the government subsidy policy. Because it is impossible to determine the subsidy policy, how much subsidy should be paid in advance in sales invoicing has become a problem that drives people in sales and finance departments crazy. From the perspective of risk control, it should be opened less, but users will not recognize this practice; If you invoice with reference to the national subsidy standard in 2018, you will face tens of thousands of yuan in profit losses. For example, a pure electric passenger car with a cruising range of 200km can get a state subsidy of 24,000 yuan last year. However, according to the regulations of the new subsidy policy in 2019, if it is licensed within three months from March 26, it can only get a state subsidy of 2,400 yuan. There is a price difference of more than 20 thousand every day.

　　On the other hand, considering that a new model should be tested at least nine months in advance before the announcement, it is difficult for automakers to determine the development and launch plan of new products this year due to the delay in the release of subsidy policy in 2019. After all, if a new car is launched, it will be excluded from the scope of national compensation as soon as it comes into the market, and the loss may only be borne by a local automobile manufacturer like FAW-Volkswagen. The battery energy density of the new electric vehicle released by the company on March 25th is 121 Wh/kg, which is "perfectly" excluded by this year’s new policy.

"The battery energy densities of the newly released Bora Pure Electric, Golf Pure Electric and LaVida Electric versions are below the subsidy standard"

　　Therefore, for industry practitioners, it is actually more important to avoid this uncertainty: only when the policy is determined can the enterprise operation strategy and strategy be determined accordingly. From January to the first month, the subsidy policy was delayed in 2019, which not only made everyone feel uncomfortable, but also objectively reduced the expectations of the industry, making everyone’s focus change from "how much subsidy this year" to "when will the policy be introduced?"

Third, a sharp slope retreat is a powerful medicine, but the effect may not be bad.

　　What does such a large subsidy retreat mean for the whole industry? In my opinion, it is more like a dose of croton. This is an analogy that is not necessarily appropriate but vivid.

　　With the downward adjustment of subsidies, the profits of all competing automobile manufacturers will inevitably be affected, but its effect on each company is not the same-strong, this laxative can help him defeat the fire, clear his intestines, and then go into battle lightly; However, those with poor physical fitness, ranging from weak legs, can’t keep up with the competitive team, and even plummet, directly withdraw from the competition.

　　The reason for this analogy is that, in my opinion, China’s local new energy automobile industry has gone through a stage of barbaric growth, and it must be adjusted on the supply side in order to compete with multinational new energy vehicles that are about to fully enter the China market.

　　First of all, the amount of state subsidies is expected to exceed 100 billion yuan, and there are areas that become financial burdens.

　　After 10 years of development, the sales volume of new energy vehicles in China reached 1.256 million last year, accounting for 3.8% of the total market. In this case, the purchase subsidy will be a heavy burden on the central finance. In 2017, the subsidy for vehicles is currently only 9.084 billion, and will be publicized in batches in the future. In 2016, the number of approved subsidies reached 346,400, totaling about 50.321 billion yuan. Previous information showed that from 2009 to the end of 2015, the central government arranged a total of 33.435 billion yuan of subsidy funds, and after six public announcements, the vehicle subsidy in 2015 increased by 3 billion yuan. So far, about 95.84 billion central subsidies for new energy vehicles have been cleared or distributed.

　　Therefore, it is imperative to reduce the total amount of state subsidies. In addition, in the practice of popularization and application in recent years, there are more and more local governments whose financial resources are difficult to support the purchase subsidies. They either do not introduce subsidy policies or set explicit or implicit terms to implement total control.

　　Secondly, China’s new energy automobile industry chain has basically taken shape, and what we need to do at this stage is to get rid of the weeds and save the cyanine.

　　As a strategic emerging industry selected by our government, new energy vehicles have become a key investment field. Statistics from China Automotive Technology Research Center show that in 2017, the investment in the whole industrial chain of the automobile industry reached 1.31 trillion yuan, and the total investment in manufacturing industry in that year was 6.76% of the national 19.36 trillion yuan. Among them, the total investment of investors from all walks of life in the industrial chain of new energy vehicles reached more than 740 billion yuan, which historically exceeded the total investment in the industrial chain of traditional fuel vehicles (about 570 billion yuan). This investment boom continues. According to the statistics of the Ministry of Industry and Information Technology, by the end of 2018, the accumulated investment in the entire industrial chain of new energy vehicles exceeded 2 trillion yuan. Massive funds, reflected in the vehicle production capacity, are up to 9 million new production capacity. As far as the demand at this stage is concerned, this is indeed too much, and it is only a matter of time before the price war breaks out. Reducing subsidies will accelerate this process and let those enterprises with insufficient competitiveness withdraw from the market as soon as possible. Because there are more important things waiting for us in 2020 for the whole industry.

"Source: Blue Book of New Energy Vehicles (2017)"

　　Third, the window of industry development is about to close, and there may be opportunities, but they are reserved for prepared players.

　　In the past six months, two events —— the start-up of SAIC Volkswagen Anting New Energy Automobile Factory (October 2018) and Tesla Lingang Factory (January 2019) —— have profoundly affected the historical process of the development of China’s new energy automobile industry. This can be regarded as a landmark event for multinational companies to formally enter the new energy vehicle market in China. These two companies, one of which is the leader in the mass-produced fuel automobile market, and the other is lonely in the pure electric luxury car market, have announced to the local automobile enterprises in China by investing huge sums of money to build factories: "We are serious about promoting new energy vehicles in China! "(Feng Sihan, CEO of Volkswagen passenger car brand China)

　　Whether we are willing to admit it or not, the day when local new energy automobile companies begin to confront multinational companies is not in 2020 or in 2021; The specific year depends on the construction speed of their new energy automobile factories in China. In this case,For local new energy automobile enterprises, if they want to compete with multinational companies, they must gain a foothold this year and next, or build a moat (to make the brand good enough) or achieve scale effect (to make the cost low enough). No matter what kind of development path, it is obviously difficult for those automakers who still expect subsidies to make profits.

　　In short, the sharp decline in the national subsidy standard in 2019 is not only a rational choice made by the central government based on the current financial situation, but also a measure to force China’s new energy automobile industry to carry out supply-side reform. At the time when multinational companies are about to enter in a big way, if there are some bubbles in our new energy automobile industry, it is a useful choice to puncture it by reducing subsidies. (Text/car home industry commentator Hu Fu)

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