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Children who are late for the flight and donate warm-hearted ＂pilots＂ to operate illegally？

　　On the evening of 19th, a "pilot’s note" attracted a lot of attention on the Internet. The article describes that a captain decided to wait for a child who was late when the plane was about to close the hatch, and then he wanted to invite the child to visit the cockpit during the flight.

　　According to the article, the crew and passengers of the whole flight donated more than 70,000 yuan for the children. Many netizens expressed their objection to this, and even thought it was false news. They questioned that although the content of the article was very warm, the captain’s operation was "illegal".

　　The Beijing Youth Daily reporter contacted a number of people in the aviation industry. They said that this situation is possible. Under similar circumstances, the captain, as the first person in charge of the flight, can decide to "do something special".

　　The flight is waiting for a family of children.

　　"Pilot’s Notes" is a hot topic.

　　The reporter of Beiqing Daily noticed that this "pilot’s note" named "The Man" was forwarded and commented by many netizens on the Internet since the 19th.

　　The author of the article claimed to be a pilot. In a recent mission, three minutes before the departure time, the flight attendant informed that three passengers had not arrived, and the captain said that he could wait a little longer. "But when the flight attendant arrived at the cabin, he saw a man kneeling there. After asking, he learned that his child had a heart attack, and he almost lost everything. Although the hospital announced that the children didn’t have much time left, they wanted to take them to a big hospital for treatment. Because the child was flying for the first time, the mother took him to see the plane, and the family of three separated. "

　　According to the article, when the plane arrived at the closing time, the child and the mother still did not appear, and the crew decided to continue waiting. "The ground and the dispatcher have been urging the door to take off, and the crew repeatedly refused to close the door, which almost quarreled." At this time, there were also passengers in the back cabin, and the crew then broadcast the truth in the cabin, and the passengers’ mood improved. After more than 20 minutes, the mother and son finally arrived, and the crew immediately helped them sit down. "I told the father that if the child is willing, he can visit the cockpit and let the child come out after landing." However, the father declined the pilot’s kindness.

　　The captain decided to be questioned by netizens.

　　The publisher of the article is unwilling to say more.

　　The article mentioned that after the plane entered the cruise, some passengers initiated donations with the consent of the crew. Seven crew members donated 8,500 yuan, and 134 passengers donated 67,520 yuan, totaling more than 70,000 yuan.

　　Yesterday, the reporter of Beiqing Daily contacted many domestic airlines and airport staff. They said that many aviation practitioners have paid attention to this article in the past two days and are also discussing which airline the poster belongs to, but there is no conclusion. Subsequently, the reporter of Beiqing Daily contacted the publisher of the post. The other party said that the pilot who wrote this article had concerns and did not want to publish his name, company and flight number.

　　In addition to feeling warm-hearted, some netizens think that the content described in this article is "untrue": "Individual passengers can change their visas if they are late. Let more than 100 people wait for three people to be okay. The key is that a plane does not take off, which will affect the take-off of subsequent flights and the operation of the entire airport may be affected. "

　　Another netizen said: "It is said in the article that letting children enter the cockpit before the plane takes off and come out after the plane lands, which means that the children stay in the cockpit during the whole flight. Will this distract the pilot’s attention? Whether children will touch some equipment in the cockpit will affect flight safety, which is a worrying issue. "

　　As the first person in charge of the flight

　　The captain has the right to ask others.

　　Regarding the "violations" involved in the content of the article, many aviation industry insiders told the reporter of Beiqing Daily that the captain had the right to ask for people before the plane took off, and the resulting consequences needed to be borne by the captain. Under normal circumstances, according to the complaints, compensation and negative impacts generated in the later period, airlines will conduct informed criticism, punish, review and temporarily suspend flights according to the circumstances. However, like the positive energy events written in the article, the general company will handle them as appropriate.

　　Regarding the statement that children are allowed to enter the cockpit of the aircraft, an industry insider said that according to relevant regulations, no passengers are allowed to enter the cockpit. Under very special circumstances, the captain has the right to allow passengers to enter. "The first person in charge of the flight is the captain who carries out the flight, and the captain can make all decisions that are reasonable and controllable."

　　For some netizens, if the passengers were late at that time, they could apply for a change of visa, and there was no need for the whole plane to wait for someone else. "In the face of the situation at that time, the captain should make a judgment quickly, and it is possible to choose whether to wait or not." According to industry insiders, if the content of the article is true, it is likely that the captain took into account the family situation of several passengers and made a decision to avoid them paying the fee for changing the visa.

　　Text/Reporter Wang Tianqi Fu Wei Zhang Yaolin

Emergency Management Department： The rectification rate of 14.235 million hidden dangers was 94.5%.

CCTV News:The Emergency Management Department held a press conference on August 17th. The press conference introduced that since the the State Council Work Safety Committee issued the "Fifteen Hard Measures" for work safety in April, local party committees and governments at all levels, relevant departments and units have paid close attention to promoting the implementation, and the emergency management departments in Beijing and Anhui have continuously tightened the responsibility for work safety by carrying out special safety inspections and strengthening the power of safety supervision and law enforcement.

It is an important content of the "fifteen hard measures" to carry out the national inspection of production safety in depth and solidly. The the State Council Safety Committee has also carried out comprehensive supervision on this, and all localities and relevant departments and units have carried out comprehensive self-inspection and special supervision in key areas. Up to now, 14.235 million hidden dangers have been investigated, and the rectification rate is 94.5%.

Among them, Beijing has formulated 36 specific measures with local characteristics in accordance with the 15 measures for national safety production, and launched the "100-day Action" for safety production rectification at the end of July. Up to now, all districts and departments in the city have inspected more than 127,000 units, investigated 16,741 hidden problems in accounts, and eliminated 16,028 items, with a write-off rate of 95.7%. Through special rectification, the total number of accidents was greatly reduced.

Liu Bin, spokesperson and deputy director of Beijing Emergency Management Bureau:1-mdash this year; In July, the number of fatal accidents and deaths in the city decreased by 20.4% and 21.3% respectively, and no serious accidents occurred in the city, maintaining a stable and good security situation.

Anhui Province promotes the connection between administrative law enforcement and criminal justice in production safety through classified and graded law enforcement in production safety, and takes the lead in formulating and implementing reward measures for reporting production safety in the country, and strengthening prevention and treatment by groups. From January 2019 to June 2022, the province’s procuratorial organs accepted and prosecuted 457 cases of crimes endangering production safety with 708 people. In 2021, the province accepted more than 15,500 reports of various types, and cashed in 7.95 million yuan of reward funds, ranking second and first in the country respectively. The combination of multiple measures and rewards and punishments has effectively cracked down on illegal and criminal activities in production safety and promoted the steady improvement of the situation in production safety.

Two departments： further promoting the standardized and healthy development of credit card business.

Cctv newsAccording to the website of China Banking and Insurance Regulatory Commission, China on July 7th, in recent years, the credit card business of China’s banking financial institutions has developed rapidly, which has played an important role in facilitating people’s payment and daily consumption. However, in recent years, some banking financial institutions have extensive credit card business philosophy, weak service awareness, inadequate risk management and control, and there are behaviors that harm the interests of customers. In order to promote the banking financial institutions to implement the new development concept, firmly establish the people-centered development idea, improve the quality and efficiency of credit card services to benefit the people and facilitate the people, effectively protect the legitimate rights and interests of financial consumers, and better support scientific and rational consumption with high-quality development, the People’s Bank of China Banking and Insurance Regulatory Commission and China recently issued the Notice on Further Promoting the Standardized and Healthy Development of Credit Card Business (hereinafter referred to as the Notice).

The Notice consists of eight chapters and thirty-nine articles, which are divided into strengthening the management of credit card business, strictly regulating the marketing behavior of card issuance, strictly controlling credit management and risk management, strictly controlling the flow of funds, comprehensively strengthening the standardized management of credit card installment business, strictly managing cooperative institutions, strengthening the protection of consumers’ legitimate rights and interests, and strengthening the supervision and management of credit card business. The main contents are:

The first is to standardize the collection of credit card interest fees. Some banking financial institutions have some problems, such as unclear disclosure of interest and fee levels, one-sided promotion of low interest rates and low rates, charging interest in disguised form in the name of handling fees, blurring the actual use cost, unreasonably setting too low a starting point for bill installment, and implementing automatic installment without customers’ independent confirmation, which makes it difficult for customers to judge the use cost of funds and even increase their interest and fee burden. The Circular requires banking financial institutions to effectively improve the standardization and transparency of credit card interest and fee management, strictly fulfill the obligation to explain interest and fee in the contract, show the highest annualized interest rate level in an obvious way, and continue to take effective measures to reduce the burden of customer interest and fee, and actively promote the reasonable decline of credit card interest and fee level. For credit card installment business, banking financial institutions are required to specify the minimum starting amount and the maximum amount, and uniformly display the cost of using funds for installment business in the form of interest, and shall not induce excessive use to increase customer interest fees by installment.

The second is to effectively strengthen the protection of consumer rights and interests. At present, consumer complaints in the credit card field mainly focus on nonstandard marketing propaganda, poor complaints, improper collection of customer information, improper collection and so on. Focusing on the outstanding problems reflected by the complaints from the masses, the Notice makes targeted regulations, requiring banking financial institutions: they must strictly state the legal risks and legal responsibilities involved in credit cards, and must not conduct fraudulent and false propaganda; Implement unified qualification identification for the bank’s credit card marketers, distribute certificates and show them to customers in advance. Complaints channels must be strictly announced to customers, and sufficient resources such as post personnel should be provided according to the number of complaints. We must strictly implement customer data security management and collect customer information through our own channels. The collection behavior must be strictly regulated, and the third party unrelated to the debt must not be collected.

The third is to change the extensive development model. Some banking financial institutions have unscientific business philosophy, blindly pursue scale effect and market share, and the situation of excessive card issuance and repeated card issuance is prominent, and the credit management and control are not prudent, which leads to disorderly competition, waste of resources and excessive credit granting. The Circular requires banking financial institutions not to use the number of cards issued and the number of customers as single or main assessment indicators, and banking financial institutions with a long-term sleep card rate of over 20% are not allowed to issue new cards. Reasonably set the upper limit of the total credit line of a single customer’s credit card. When approving and adjusting the credit line, the credit line accumulated by customers from other institutions shall be deducted.

The fourth is to standardize the management of external cooperation behavior. Some banking financial institutions have some problems, such as nonstandard credit card business cooperation behavior, inadequate management and control, and unclear boundary between rights and responsibilities of both parties. The Circular requires the headquarters of banking financial institutions to implement a unified list management of cooperative institutions, strictly manage the examination and approval standards and procedures, and not to carry out the core business links of credit cards through the Internet platform controlled by cooperative institutions. The credit card issuance and credit balance realized through a single cooperative institution should meet the concentration index limit. For the co-branded card business, the Notice prohibits banking financial institutions from exercising credit card business responsibilities directly or in disguised form by joint entities. The business scope of co-branded card cooperation is limited to the promotion and promotion of joint entities and the provision of rights and interests services in their main business areas.

The fifth is to further promote the convenience of credit card online services. The Notice encourages qualified banking financial institutions to actively adapt to the economic development and the upgrading of consumers’ financial needs, explore and develop online credit card business and other model innovations through pilot methods in accordance with the principles of controllable risks, safety and order, stimulate and shape new development dynamics, enrich credit card service functions and product supply, and continuously enhance people’s sense of acquisition, convenience and security in handling cards.

In the next step, China Banking and Insurance Regulatory Commission and the People’s Bank of China will urge banking financial institutions to seriously implement the requirements of the Notice, so as to promote the credit card industry to develop with high quality and better support scientific and rational consumption.

Notice of the People’s Bank of China, China Banking and Insurance Regulatory Commission, China on Further Promoting the Standardized and Healthy Development of Credit Card Business

Yin Bao Jian Gui [2022] No.13

All banking and insurance regulatory bureaus, Shanghai headquarters of China People’s Bank, branches, business management departments, city center branches of provincial capitals, sub-provincial city center branches, major banks, joint-stock banks, foreign-funded banks, non-bank payment institutions, China UnionPay Co., Ltd., Netlink Clearing Co., Ltd. and China Unicom (Hangzhou) Technical Service Co., Ltd.:

In order to standardize the business behavior of credit card business, implement the management responsibilities of banking financial institutions and their cooperative institutions, improve the quality and efficiency of credit card services, protect the legitimate rights and interests of financial consumers, adhere to the people-centered development idea, promote the high-quality development of credit card business and better support scientific and rational consumption, the relevant matters are hereby notified as follows:

First, strengthen the management of credit card business

(1) A banking financial institution shall formulate a prudent and steady credit card development strategy, which shall be reviewed and approved by its board of directors or senior management, and be continuously and effectively implemented and regularly evaluated and improved. Banking financial institutions shall reasonably formulate the annual management objectives and plans of credit cards in strict accordance with the development strategy.

(2) Banking financial institutions shall establish a scientific and reasonable credit card business performance evaluation index system and salary payment mechanism. The weight of compliance management indicators and risk management indicators should be significantly higher than other indicators. Banking financial institutions shall regularly assess and determine the positions and personnel scope that have an important impact on the credit card business risks, and implement strict management of deferred payment, recourse and deduction of performance pay.

(3) Banking financial institutions shall strictly implement the credit card asset quality classification standards and identification procedures to comprehensively, accurately and timely reflect the asset risk status. Strengthen the analysis of asset quality migration trend, set risk early warning indicators, continuously and effectively identify, measure, monitor, warn, prevent and dispose of risks, accurately grasp the scale and structure of non-performing assets, and timely dispose and write off them according to procedures.

(4) Banking financial institutions shall strictly implement the employee behavior management of credit card business, carry out continuous supervision and regular investigation, implement the whole process supervision of the business behaviors of important positions and key personnel, establish and improve the accountability and recording mechanism for illegal behaviors, and effectively monitor, identify, warn and prevent illegal behaviors of credit card business employees.

(5) Banking financial institutions shall strengthen compliance training and consumer rights protection training for their employees engaged in credit card business, and the total training time per person per year shall not be less than 30 hours.

Second, strictly regulate the marketing behavior of issuing cards.

(6) Banking financial institutions shall not directly or indirectly take the number of cards issued, the number of customers, market share or market ranking as single or main assessment indicators.

Banking financial institutions should continue to take effective measures to prevent risks such as fraudulent card handling and excessive card handling. Set the maximum number of cards issued by the institution for a single customer. Strengthen the dynamic monitoring and management of sleep credit cards and strictly control the proportion. The number of long-term sleep credit cards that have not been actively traded by customers for more than 18 consecutive months and the current overdraft balance and overpayment are zero shall not exceed 20% of the total number of cards issued by the institution at any time, except for credit cards with additional policy functions issued by banking financial institutions as required by policies and regulations. Banking financial institutions exceeding this ratio may not issue new cards. China Banking and Insurance Regulatory Commission can dynamically reduce the proportion limit standard of long-term sleep credit cards according to regulatory needs.

Banking financial institutions should respect the true wishes of customers when binding payment accounts and other accounts for credit cards, and provide unbinding services with the same convenience. If a customer applies for cancellation of a card, it shall complete the processing in time after confirming that there is no outstanding payment.

(seven) banking financial institutions to carry out credit card business should strengthen marketing publicity and management. When concluding a credit card contract with a customer, you should strictly fulfill the obligation of prompting or explaining the terms such as charging interest, compound interest, fees, liquidated damages and the contents of risk disclosure. Show customers the highest annualized interest rate level and the legal risks and liabilities involved in using credit cards in an obvious way to ensure that customers pay attention to and understand the terms. It shall actively inform customers of the consultation and complaint acceptance channels of the institution, as well as the credit card articles of association, the application form for credit card business signed by customers, and the inquiry channels of relevant contracts (agreements), and notify customers of repayment notice, overdue information reporting and other matters in the way agreed in the contract. When opening the online payment function of credit card for customers, we should fully fulfill the obligation of informing in advance, reach an agreement with customers on the terms of online payment, and obtain the customer’s confirmation and consent on the opening.

(8) Banking financial institutions shall actively take audio and video recording or other effective measures to completely and objectively record and save important information such as risk disclosure and information disclosure in key links such as identity verification of credit card customers and willingness to apply for a card, so as to ensure that the recorded information is comprehensive, accurate, tamper-proof and traceable, and can meet the requirements of supervision and inspection by financial management departments and investigation and evidence collection by judicial organs in China. The recorded information shall at least include: the valid identification materials of the credit card applicant, the financial status related to the credit card application, credit records, publicity and sales texts, credit card articles of association, signed contract (agreement), important tips and confirmation information, etc. The recorded information shall be kept for at least 5 years from the end of the client’s business duration.

(9) No person may engage in the credit card issuance marketing activities of a banking financial institution without the internal unified qualification certification. Banking financial institutions shall provide information inquiry methods for credit card marketers at their business outlets and electronic channels. Credit card marketers should present their work certificates containing the identity of the card issuer and personal work information to customers in advance, and inform customers of the information inquiry methods of credit card marketers.

(ten) banking financial institutions should implement strict management of credit card marketing behavior. Do not promise to issue cards or promise to give high credit; No fraud or false propaganda; Credit cards shall not be marketed by default check or forced bundling.

Third, strict credit management and risk control

(11) Banking financial institutions shall strengthen the credit review of credit card customers, understand and analyze the credit status of customers through legal channels such as the basic database of financial credit information, implement necessary multi-dimensional cross-verification, independently review and judge the identity of customers and identify the authenticity, completeness and timeliness of application materials. Customers who have multiple debt records in different institutions after investigation should be strictly examined to strictly guard against the risk of multi-head lending.

(12) A banking financial institution shall reasonably set the upper limit of the total credit line of a single customer according to the customer’s credit status, income status and financial status, and include the customer in all credit lines of the institution for unified management. Within the total credit line of credit card, the credit line of cash advance business shall not exceed the credit line of non-cash advance business. When issuing student credit cards, banking financial institutions shall implement the second repayment source in advance.

Banking financial institutions shall conduct full due diligence on a single customer and conduct consolidated management on all credit card credit lines of the customer in other institutions. In the process of credit approval and credit line increase (including temporary credit line increase), the accumulated credit lines obtained by other institutions should be deducted from the total credit line of the customer’s own credit card, and the situation of new card-issuing customers of this institution applying for credit cards in other institutions at the same time should be monitored and the corresponding credit line reduction should be implemented.

(13) Banking financial institutions shall implement strict and prudent dynamic management of credit line of credit card, and re-evaluate, calculate and determine the credit line of credit card customers at least once a year. For customers whose risk situation has deteriorated, monitoring and analysis should be strengthened, and measures such as reducing the credit line should be taken in time. If the customer’s credit line is raised, it shall be re-examined and approved, and the credit line shall not be raised without the customer’s consent. Banking financial institutions shall strictly set the approval authority for raising the credit line, and reasonably set the range, frequency, time interval and validity period of the temporary increase of the credit line.

(14) Banking financial institutions shall establish and improve the whole process management mechanism of credit card risk model development, testing, evaluation, application, monitoring, correction, optimization and withdrawal, ensure that the risk model development and evaluation links are independent of each other, and re-evaluate the risk model at least once a year and update and optimize it in time. When using the credit card-related risk models assisted by cooperative institutions, the principles of interpretability, verifiability, transparency and fairness shall be followed, and the risk model management responsibilities shall not be outsourced. The board of directors and senior management of banking financial institutions should understand the role and limitations of credit card-related risk models.

Fourth, strictly control the flow of funds

(15) Banking financial institutions shall take effective measures to timely and accurately monitor and control the actual use of credit card funds. Credit card funds shall not be used for repayment of loans, investment and other fields, and it is strictly forbidden to flow into areas restricted or prohibited by policies.

(16) Banking financial institutions, acquiring institutions and clearing institutions shall establish and improve the monitoring, analysis and interception mechanisms for abnormal card use behaviors such as cashing and swiping, and illegal fund transactions, take control measures for suspicious credit cards and suspicious transactions according to law, continuously and effectively prevent the risks of cashing and fraud, and prevent credit cards from being used for illegal and criminal activities. Record and save credit card transactions and other information completely according to law, and continuously meet the requirements of supervision and inspection by financial management departments and investigation and evidence collection by judicial organs in China.

(17) The acquiring institution shall accurately identify the transaction information in accordance with the requirements of relevant laws, regulations and rules, send it to the clearing institution completely and transmit it to the card-issuing banking financial institution, so as to facilitate the card-issuing banking financial institution to identify and judge risks and ensure the security of credit card transactions. Banking financial institutions shall display the trading information to customers completely and accurately according to the available trading information. If the received trading information does not meet the relevant provisions, they shall carefully evaluate and take necessary risk prevention measures. The clearing institution shall formulate and improve the rules for inter-agency payment business messages in accordance with regulations, and take necessary measures against member institutions that fail to report, misreport or falsify transaction information. Transaction information includes, but is not limited to, transaction time, transaction country, domestic and overseas transaction identification, trading places (including the name of online trading platform), transaction amount, transaction type, merchant name and category and other necessary information that truly reflects the transaction scenario. Personal sensitive information shall be protected by desensitization and other means.

Five, comprehensively strengthen the standardized management of credit card installment business.

(eighteen) banking financial institutions should strictly regulate the management of credit card installment business. To handle installment business for customers, we should set up independent application, approval and other links in advance, fully disclose the nature of installment business, handling procedures, potential risks and liability for breach of contract in a concise and easy-to-understand way, and confirm the knowledge by customers in a legally effective way. A separate contract (agreement) shall be signed with the customer for each installment business, and it shall not be confused with or bundled with other credit card business contracts (agreements). If the credit card installment funds need to be transferred to the customer’s own account, it shall be transferred to his own bank settlement account except the credit card, and the amount and term shall be managed according to the cash advance business.

(19) Banking financial institutions shall not re-stage the fund balance that has been staged, except for the personalized installment repayment agreement stipulated in the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks (Order No.2 of China Banking Regulatory Commission in 2011). No minimum repayment service shall be provided for installment business. Do not only provide or check the option of charging full installment interest at one time by default.

(20) Banking financial institutions shall carefully set the amount and term of credit card overdraft by installment, and specify the minimum starting amount and the maximum amount of installment business. The term of installment business shall not exceed 5 years. If the customer really needs to apply for installment repayment for the cash advance business, the amount shall not exceed RMB 50,000 or the equivalent in a freely convertible currency, and the term shall not exceed 2 years.

(21) Banking financial institutions shall display all interest items, annualized interest rate levels and interest rate calculation methods that may be generated by installment business in an obvious way on the home page of installment business contract (agreement) and business handling page. When showing customers the cost of using the funds collected by installment business, interest shall be uniformly used, and the corresponding interest-bearing rules shall be defined, and no handling fees shall be used, unless otherwise stipulated by laws and regulations.

(22) If the customer settles the credit card installment business in advance, the banking financial institution shall charge interest according to the actual amount of funds occupied and the term, and charge fees according to the provisions of laws and regulations and the contract with the customer.

Sixth, strict management of cooperative institutions

(23) When conducting credit card business cooperation, banking financial institutions shall earnestly implement the main responsibility of business compliance review, and strengthen cooperation with cooperative institutions in employee compliance and consumer protection training. The credit card business management department of the head office or the headquarters of the credit card franchise institution shall formulate clear entry and exit standards and management approval procedures for the cooperative institutions, and implement list management. A written cooperation contract shall be signed with the cooperative institution to clearly stipulate the rights and responsibilities of both parties. If it is found that the cooperative institution provides unfair and unreasonable cooperation conditions or services, or fails to fulfill the obligation of transaction information transmission as agreed, it shall refuse to cooperate or terminate the cooperation according to the contract. The cooperative institutions mentioned in this Notice include, but are not limited to, various institutions that cooperate in credit card advertising promotion, payment and settlement, information technology, value-added services and collection.

(24) Banking financial institutions shall accept business links such as credit card application, customer information collection, identity verification, card issuance review and contract (agreement) signing through self-operated channels, and shall not implement them through internet platforms, pages or other electronic channels managed and controlled by cooperative institutions to ensure clear and accurate creditor-debtor relationship. Inquiries about the bill amount or the repayment amount through the channels managed and controlled by the cooperative organization shall obtain the separate consent of the customer and take necessary measures to ensure the personal information security of the customer. For consumers who apply for credit cards by transferring to the self-operated network platform of their own institutions through other cooperative institutions, the cooperative institutions shall be required to make special tips on the difference between the ownership subjects of the channels and places.

(25) If a banking financial institution obtains a credit card application through a single cooperative institution or a plurality of cooperative institutions with related relationships, the total number of approved credit cards issued shall not exceed 25% of the total number of credit cards issued by the institution, and the total credit line shall not exceed 15% of the total credit line of the institution. Except as otherwise provided by laws and regulations.

(26) Banking financial institutions shall assume the main responsibility for the operation and management of their co-branded cards, ensure that both parties to the co-branded cards present their own brands equally in all credit card-related business links, and shall not directly or in disguised form exercise banking duties on behalf of the co-branded units or substitute the brand of the co-branded units for the bank brand. We should continue to strengthen the analysis and monitoring of the business risk, reputation risk and other adverse effects of the joint venture, and strictly prevent the risk from being transmitted to this institution. Except for obtaining separate authorization from customers through the self-operated channels of the institution, it is not allowed to send back information unrelated to the rights and interests of the main business areas provided by the joint venture. It is not allowed to carry out business beyond the business area restrictions by issuing joint-name cards or through the channels of joint-name units. Strengthen cooperation with bank card clearing institutions, and establish and improve the business rules for issuing co-branded cards.

(twenty-seven) banking financial institutions should carefully and fully evaluate the matching degree between joint units and credit card product positioning. The joint unit shall be a non-financial institution that provides credit card customers with rights and interests services in their main business areas. Banking financial institutions shall not cooperate with financial institutions, non-bank payment institutions and local financial organizations to issue co-branded cards, except as otherwise provided by China Banking and Insurance Regulatory Commission.

(twenty-eight) the business scope of banking financial institutions to carry out joint card cooperation shall be limited to the promotion and promotion of joint units and the provision of rights and services in their main business areas. Where a joint venture provides data analysis, technical support, collection and other services, it shall sign a special contract separately, and stipulate the rights and responsibilities of both parties according to the principle of matching income and risk, and different cooperation content categories shall not be confused and cross-bound.

(29) If a joint unit directly or in disguised form participates in the credit card revenue or profit sharing in the co-branded card business cooperation, or improperly links the charging standard with the credit card overdraft amount and other indicators, the banking financial institution shall stop co-branded card cooperation with it.

(30) Banking financial institutions shall implement the main responsibility of collection management, strictly formulate and implement management systems such as audit inspection and complaint handling of collection business, standardize collection behavior, and shall not provide or disclose customer arrears information in violation of laws and regulations, and shall not collect debts from third parties unrelated to debts. Continuously strengthen the collection capacity building of this institution and reduce the dependence on outsourcing collection. Strengthen the management of outsourcing collection agencies. Banking financial institutions shall, at least in their official channels, uniformly disclose the name and contact information of entrusted collection agencies.

Vii. strengthening the protection of consumers’ legitimate rights and interests

(31) Banking financial institutions shall establish a review system and working mechanism for the protection of consumers’ rights and interests, and incorporate them into the credit card business risk management and internal control system. Regularly and strictly review credit card format contracts to avoid clauses and contents that infringe on consumers’ legitimate rights and interests.

(32) Banking financial institutions shall properly handle risk events and customer complaints in accordance with the principles of territorial management, graded responsibility and timely local settlement. Banking financial institutions shall be equipped with sufficient post personnel according to their business scale, business development trend and number of complaints, and ensure that they can fully obtain the authority and resources required for performing their duties.

(33) Under the premise of complying with laws and effectively covering risks, banking financial institutions should scientifically and reasonably determine the level of credit card interest fees according to the principle of marketization, effectively improve the quality and efficiency of services, and continue to take effective measures to reduce the burden of customer interest fees.

(34) Banking financial institutions shall strictly implement data security, personal information protection and other relevant laws and regulations and relevant provisions on credit management, follow the principle of "legality, justness and necessity", and clearly stipulate in the cooperation contract the purpose, manner and scope of the use of customer information by both parties, customer information confidentiality responsibilities and obligations, and effective measures to prevent and control the risk of customer information disclosure. It is not allowed to cooperate with institutions that conduct data processing in violation of laws and regulations.

Eight, strengthen the supervision and management of credit card business.

(35) China Banking and Insurance Regulatory Commission and its dispatched offices, the People’s Bank of China and its branches shall, in accordance with their statutory duties, strengthen the risk identification, monitoring, early warning, prevention and control and disposal of credit card business, and continuously strengthen the extended monitoring and standardization of various business activities related to credit card business. In violation of the provisions of this notice, it shall be ordered to make corrections within a time limit, and take relevant regulatory measures or impose administrative penalties according to the Banking Supervision Law of the People’s Republic of China, the People’s Bank of China Law of the People’s Republic of China and other laws, administrative regulations and relevant provisions.

(36) The Banking Insurance Regulatory Commission, in consultation with the People’s Bank of China, will promote innovation in the credit card industry in accordance with the principles of risk control, safety and order, and explore innovative modes such as online credit card business through pilot projects.

(37) China Banking Association and China Payment and Clearing Association shall give full play to the self-discipline function of the industry, continuously improve the self-discipline rules and risk evaluation system of credit card business, and strengthen self-discipline punishment and notification.

(thirty-eight) this notice shall come into force as of the date of promulgation. The transition period is 2 years from the date of implementation of this notice. If the stock business does not meet the requirements of this notice, it shall complete the rectification within the transition period, and complete the business process and system transformation in accordance with the requirements of this notice within 6 months. The new business after transformation shall meet the requirements of this notice.

(thirty-nine) this notice shall be interpreted by China Banking and Insurance Regulatory Commission in conjunction with the People’s Bank of China.

People’s Bank of China, China Banking and Insurance Regulatory Commission, China

July 7, 2022

[Deepening the Development of Ten Emerging Industries] ＂Low-altitude Economy＂ accelerates its take-off.

Drone delivery, general-purpose plane tour of Huangshan, hundreds of acres of plant protection work easily done by one drone … In recent years, with the accelerated application of low-altitude flight, the low-altitude economy has accelerated its integration into all walks of life, and the market scale has accelerated, which has attracted more and more attention.

At the National People’s Congress in 2024, the "low-altitude economy" was written into the government work report for the first time, relevant policies were intensively introduced, the certainty of industry development was further enhanced, "low-altitude flight" was fully integrated into people’s production and life, and a new trillion-dollar market was opening.

China Low-altitude Economic Development Research Report (2024) released by CCID Research Institute of Ministry of Industry and Information Technology on April 1st shows that the low-altitude economy in China will reach 505.95 billion yuan in 2023, with a growth rate of 33.8%. It is optimistically predicted that by 2026, the scale of low-altitude economy is expected to exceed one trillion yuan.

a sword takes ten years to come into being

Towards the highland of development

In Wuhu Aviation Industrial Park, in the factory area of Anhui Jiuzi Aviation Research Institute Co., Ltd., all kinds of drones are filled with factories, and workers are busy assembling drones.

Jia Liwei, the person in charge of the enterprise, told the reporter that when they entered the park in 2019, they were still a small and micro start-up enterprise, mainly making controllers. In recent years, relying on the industrial agglomeration advantage of Wuhu Aviation Industrial Park, the supporting capacity of upstream and downstream industrial chains has been enhanced, enterprises have developed rapidly, and they have entered the whole machine market in an all-round way. Last year, the output value was more than 60 million yuan.

Wuhu is the earliest city in our province with low-altitude economy. In 2013, Wuxuan Airport and aviation industry settled in the Bay Area of Wuhu City. After ten years of development and accumulation, Wuhu has now become a highland of low-altitude economic development in China. At present, the core area of Wuhu Aviation Industry Park has gathered nearly 150 projects, including complete machine, satellite manufacturing, aero-engine, propeller, avionics and flight control system, simulator, aviation components, aviation materials, aviation operation, education and training, maintenance and support, covering the whole upstream and downstream industrial chain from complete machine, satellite, drone and engine to comprehensive maintenance and operation support, basically achieving "a domestic general-purpose aircraft can be produced without leaving the park". Nine national and 43 provincial-level scientific and technological innovation platforms have settled in the park, and Wuxuan Airport has opened a total of 33 cities and opened 6 cargo flights.

With the "low-altitude economy" written into the government work report for the first time this year, relevant policies around the low-altitude economy have also been introduced in the near future, and the low-altitude economy has ushered in the development trend.

As a strategic emerging industry, low-altitude economy not only includes the traditional general aviation format, but also integrates the low-altitude production service mode supported by drones, in which the general aviation (including drones) industry is an important engine for the development of low-altitude economy.

According to the "Implementation Plan for Innovative Application of General Aviation Equipment (2024-2030)" jointly issued by the Ministry of Industry and Information Technology and other four departments recently, by 2030, general aviation equipment will be fully integrated into all fields of people’s production and life, becoming a powerful driving force for low-altitude economic growth and forming a trillion-dollar market scale.

As a pilot province of low-altitude airspace management reform in the whole region, Anhui seized the opportunity, accelerated the layout of low-altitude economic track, and accelerated the formation of new quality productivity. According to the latest statistics, in 2023, Anhui set up 54 low-altitude pilot airspace and opened 43 low-altitude routes, with general aircraft flying nearly 9,700 hours and drones flying 1.44 million hours.

The reporter learned from the Anhui Provincial Department of Transportation that at present, Anhui Province has gathered more than 300 enterprises including Navigation Holding Group, CLP diamond aircraft, Yihang Intelligent, Yingliu Airlines, etc., initially forming an industrial structure with Hefei and Wuhu as the dual cores and Anqing, Lu ‘an and Xuancheng as the multi-support points, and the scale of low-altitude economy has exceeded 40 billion yuan.

Expand application scenarios

Multi-track layout

Application is a catalyst for the development of emerging industries.

On March 28th, the engine rumbled on the apron of Feidong Bailong Airport, and a Cessna 208 plane landed smoothly. So far, the airport’s total guaranteed flights exceeded 10,000 flights.

Feidong Bailong Airport covers an area of 643 mu, with 22 parking spaces. It is the largest A1-class general airport with the most complete guarantee facilities in our province. Since the official sailing in July 2023, two low-altitude routes from Hefei to Huangshan and from Hefei to Zhenjiang have been opened, and more than 10 navigation enterprises have been signed, involving short-distance transportation, emergency rescue, aviation driver’s license training, aviation science popularization, flight experience, drone flight test and other fields of business, and the business format has been continuously enriched.

According to the recently approved "Plan for Designing Low-altitude Airspace Routes in Anhui Province in 2024", three new low-altitude routes were added in Anhui this year. A total of 21 low-altitude airspace and 18 low-altitude routes were approved in the province.

The application of low-altitude flight has accelerated, and the low-altitude economy is "heating up" in Anhui.

"Application is the best development, develop a low-altitude economy, and fly to get hot!" According to the person in charge of Feidong Bailong Airport, Feidong Bailong Airport has continuously expanded its application service scenarios. At present, it can provide a variety of services such as UAV flight test, aerial mapping, short-distance transportation, shadow operation, aerial tour, emergency rescue, aerial geophysical exploration, air sports, commercial charter flights, aviation science popularization, agriculture and forestry plant protection, etc.

Wuhu City is also accelerating the application of low-altitude flight. Gao Yu, director of the Office of Aviation Industry Development Service Center in Bayou District, Wuhu City, told the reporter that Wuhu has opened fixed routes for short-distance passenger transportation to Huangshan, Jiande and Shangrao, and has approved 12 batches of temporary airspace, 19 temporary take-off and landing points and more than 20 temporary routes. Sixteen navigation operators have carried out 12 operational services in the fields of sightseeing, emergency rescue, meteorological detection and urban management, and made every effort to build a national pioneering area for low-altitude economic development and strive to open up within five years.

EVTOL (Electric Vertical Takeoff and Landing Aircraft) is one of the most popular track in low-altitude economy. At the World Manufacturing Congress held in Hefei last year, eVTOL brought by modern technology was unveiled, which attracted the attention of many participants.

This kind of pure electric vehicle that can take off and land vertically is regarded as the new development direction of three-dimensional intelligent transportation in the future. Huang Yongwei, founder and CEO of Science and Technology at that time, said in an interview that compared with helicopters, eVTOL is more suitable for flying over cities because of its pure electricity, pollution-free, low noise, high safety and no runway, and is accelerating its commercialization.

In October 2023, the Ministry of Industry and Information Technology and other four departments jointly issued the Outline for the Development of Green Aviation Manufacturing Industry (2023-2035), proposing that by 2025, electric navigable aircraft will be put into commercial application and electric vertical take-off and landing aircraft (eVTOL) will be put into pilot operation; By 2035, a green aviation manufacturing system with integrity, advancement and safety will be built, and new energy aircraft will become the mainstream of development.

Whole industrial chain layout

Continuously optimize industrial ecology

According to the Action Plan for High-quality Development of Low-altitude Economy in Wuhu City (2023-2025), by 2025, the number of enterprises related to low-altitude economy in Wuhu will strive to exceed 300, and the output value of low-altitude industry is expected to reach 50 billion yuan. Breakthroughs in key core technologies will be achieved in aviation equipment, aviation materials and master control chips, and the localization rate of domestic core components will exceed 90%. By then, the low-altitude economy will become the strong growth pole of Wuhu’s development!

"Wuhu will seize the strategic opportunity period of intensive innovation and rapid development of the current low-altitude economy industry, accelerate the construction of a national-level low-altitude economy future industrial pilot zone, and foster the formation of new quality productivity." Gao Yu said, we should focus on strengthening industrial chains, supplementing and extending them, and promote central enterprises, head enterprises and large airlines to establish manufacturing bases in Wuhu, so as to form agglomeration effect through leading enterprises.

Anhui Navigation Group anchored the new track of low-altitude industry and fully laid out the low-altitude industry system. Promote the integration and development of three provincial public service platforms: provincial low-altitude flight service, provincial aviation emergency rescue, and provincial low-altitude drone management and service, and continue to consolidate the technical base of low-altitude industries. Start the major project of low-altitude comprehensive application industrialization of Beidou in Anhui Province with an investment of 320 million yuan, speed up the layout to form a low-altitude Zhilian network, and contribute to the scientific and technological innovation and low-altitude industrial development in Anhui Province.

When the low-altitude economy "flies", it is necessary to make up for the shortcomings of infrastructure, promote the construction of general airports and temporary landing points, and adapt to the needs of low-altitude economic development as soon as possible.

It is understood that there are currently three general airports in operation in the province; Six general airports are under construction, and the preliminary work of more than 20 general airports is progressing in an orderly manner, initially forming a general airport network pattern with Hefei, the provincial capital, as the center and cities and counties in the province as the fulcrum.

Wuhu strengthens the construction of low-altitude infrastructure, and plans to lay out more than 30 temporary take-off and landing sites, 1 to 2 fixed operating bases and build more than 2 aviation flight camps in important locations such as hospitals within the scope of Wuhu. At the same time, relying on the Low-altitude Economic Research Institute to promote the low-altitude Zhilian project, and taking Bay Area and Chengdong New District as the pioneering areas to carry out pilot projects, and gradually form a low-altitude Zhilian network covering the whole city.

Let the low-altitude flight "fly" as soon as possible, it is necessary to further improve the airworthiness certification capability, explore innovative airworthiness certification modes for drones, and better adapt to the airworthiness review needs required for low-altitude economic development.

Previously, Luo Hongjiang, deputy director of the Air Traffic Control Industry Management Office of the Civil Aviation Administration, said that in order to integrate into the national airspace system safely and efficiently, it is necessary to continuously improve the low-altitude flight service support system and enhance the low-altitude navigation service support capability.

In the next step, the Civil Aviation Administration will focus on accelerating the construction of low-altitude flight service guarantee system and cooperate with relevant departments to promote the pilot experience of airspace classification and low-altitude airspace management reform; Accelerate the construction of service stations with local governments and implement "one-stop service"; Constantly optimize and improve the low-altitude navigation service system and capabilities, strengthen the operational coordination between manned aircraft and drones, and escort the healthy development of low-altitude economy.

(Reporter Fan Kelong)

Another batch of caring materials arrived! The accumulated donation of the fund industry has exceeded 11 million yuan.

China Fund News reporter Li Shuchao
Following more than a dozen fund companies such as E Fund, Huaxia Fund and Guangfa Fund, Haifutong Fund and Western Profit Fund also took active actions to support earthquake relief in Gansu and Qinghai.
As of press time, 15 Public Offering of Fund companies have donated more than 11 million yuan. Among them, donations and caring materials are mainly important materials urgently needed after the disaster, such as disaster relief tents, folding beds, heating stoves, quilts, etc., to ensure the lives of people in need and post-disaster reconstruction.
Western Lide Fund collects employees’ donations to help the disaster-stricken areas.
Haifutong Fund donates love materials.
On the evening of December 18th, 2023, an earthquake of magnitude 6.2 occurred in Jishishan County, Linxia Prefecture, Gansu Province. The disaster affected Qinghai Province, and the surrounding towns and villages were seriously affected, which brought huge loss of life and property to the local people and touched the hearts of all walks of life.
Earthquakes are merciless, and there is love on earth. After learning about the plight of the disaster-stricken areas in Qinghai, the Western Lide Fund took the initiative to get in touch with the Minhe County Government of Qinghai Province to learn more about the urgently needed local materials, and urgently purchased relief tents and other caring materials to help the disaster-stricken areas.
This donation comes from the donations of the employees of "West Lide Lighthouse Public Welfare", which brings together the sincere love of every employee of West Lide Fund, which is the sincere action of the funder to practice social responsibility and the mutual help of the funder and the society.
The western profit fund said that if one party is in trouble, all parties will support it. In this cold winter, let’s work together to bring a warm heart to the people in the disaster area and support the affected people to tide over the difficulties with practical actions. In the follow-up, the Western Profit Fund will continue to pay attention to the dynamics of the disaster-stricken areas. We expect that every family in the disaster-stricken areas can rebuild their homes as soon as possible and welcome a new future!
At the same time, in the face of sudden disasters in the cold winter, Haifutong Fund conscientiously implemented the spirit of the important instructions of the Supreme Leader General Secretary, actively responded to the industry’s initiative to support local earthquake relief work, and practiced the social responsibility and responsibility of financial enterprises. Through Shanghai Aizai Haitong Public Welfare Foundation and relying on Haitong Securities’ local branches, it rushed to Jishishan County for earthquake relief.
After learning from many sources and fully considering the actual needs of the disaster-stricken areas, Haifutong Fund entrusted Haitong Securities Gansu Branch to purchase important materials urgently needed after the disaster, such as folding beds and heating stoves. At the same time, in order to ensure the delivery of these caring materials as soon as possible, the company sent a special person to accompany it, and set off from Shanghai urgently and went to the front line thousands of miles away. After 7 hours of loading and transportation, the love materials were successfully delivered to Liuji Township, Jishishan County, which was seriously affected by the disaster.
With the coordination of local government departments and the full cooperation of volunteers from Haitong Securities Gansu Branch, the materials have been distributed to the affected people at the first time. In the cold winter, these stoves and folding beds loaded with the care of Haifutong Fund are willing to bring warmth to the local people.
Haifutong Fund said that the disaster is ruthless and people are affectionate, and they work together to tide over the difficulties. Since the establishment of Haifutong Fund, it has been actively practicing corporate social responsibility and participating in caring public welfare undertakings. In the follow-up, Haifutong Fund will continue to pay close attention to the earthquake situation in the disaster area, fully support the local earthquake relief and post-disaster resettlement work, help the affected people rebuild their homes, and contribute more to the disaster area with practical actions.
15 public offerings have donated more than 11 million yuan.
Watch and help each other, work together. After the disasters in parts of Gansu and Qinghai, many fund companies responded at the first time, sending warmth and hope to the people in the disaster areas.
Yongying Fund announced at the first time after the earthquake that it urgently launched the disaster relief response, and donated quilts and halal food urgently needed in the disaster area through the China Rural Development Foundation for the transitional resettlement of the affected people.
On December 20th, E Fund decided to donate 1 million yuan of earthquake relief materials; Huaxia foundation donated 1.05 million yuan of various materials; Guangfa Fund donated 1 million yuan through China Rural Development Foundation; Yin Hua Public Welfare Foundation donated 1 million yuan to Jishishan County Charity Association; Huitianfu Fund donated 1 million yuan; Shenzhen Boshi Charity Foundation urgently purchased and donated relief materials to the earthquake-stricken areas in Linxia Prefecture, Gansu Province, which were received by local charities in Jishishan.
On December 21st, Huashang Fund donated 2 million yuan to the earthquake-stricken areas in Gansu Province. Penghua Fund donated 1 million yuan to help the disaster-stricken areas in Gansu and Qinghai; Harvest fund donated 1.2 million yuan to Gansu Blue Sky Rescue Team through Harvest Public Welfare Foundation to help rescue and pray for compatriots.
In addition, southern fund Charity Foundation urgently donated 1 million yuan to Gansu Provincial Department of Finance; The Wells Fargo Fund donated 1 million yuan of relief materials; Ruiyuan Public Welfare, together with One Foundation, sent more than 300 tons of anthracite to the disaster-stricken areas in Gansu and Qinghai in order to meet the local demand for warmth and heating, hoping that the affected people could safely spend the winter, resist the cold and feel the warmth in winter.
As of press time, 15 Public Offering of Fund companies have donated more than 11 million yuan in total. The fund industry fully supports the rescue operation, and helps the earthquake-stricken areas to tide over the difficulties with the people in the earthquake-stricken areas.
As an important asset management institution in the capital market, Public Offering of Fund takes responsibility with practical actions and practices social responsibility. In the past, Public Offering of Fund can be seen in many emergency rescues of major social public events, such as extreme rainfall in Beijing, Tianjin and Hebei, which caused floods, extremely heavy rainfall in Henan, and fighting against epidemics. In many emergency rescues of major public events, fund companies supported public welfare undertakings in various ways, such as donations, donations, and rushing to help love materials, and fully supported rescue operations, praying for the people in disaster areas to survive safely.

Editor: Joey

Audit: Muyu

Reporting/feedback

Eddie Peng Yuyan cowboy modeling charm unlimited ＂A Xin＂ detonated nostalgia boom.


A Xin staged many wonderful fighting scenes with gymnastics.


Combining gymnastics with fighting is also one of the highlights of the film.


"Roll! A Xin movie stills.
　　

　　　 Eddie Peng Yuyan, who made a double harvest in box office with her perfect interpretation of real people and stories, successfully ignited the "tumbling spirit" that spread all over Taiwan Province to the mainland by relying on her solid muscles and excellent gymnastics skills in this bloody youth film. His classic cowboy style in the film, once exposed, became a fashion topic, let’s roll! The nostalgia of A Xin in clothing, music and action elements has attracted attention. The film will be fully released on December 9th. The film is produced by Taiwan Province Gold Medal Producer Li Lie, directed by Yu-Hsien Lin, and co-starred by Eddie Peng Yuyan, Ke Yulun, Lin Chenxi and Chen Handian.

"Taike" Eddie Peng Yuyan cowboy plays cool classic times songs that resonate.

　　　 "Roll! The story of A Xin took place in the late 1980s and early 1990s. In addition to restoring the atmosphere of the times in the scene, director Yu-Hsien Lin paid great attention to the details. A Xin, played by Eddie Peng Yuyan in the film, is a typical young man of that era. They are in adolescence, ignorant of love, and have no choice in the countryside. The operator of the telecommunications company was once the object of their pursuit. At this time, Hong Kong films are popular, especially The Dreamcatcher starring Andy Lau (that is, Love in Heaven). Hua Di’s cowboy motorcycle modeling is a symbol of coolness. Therefore, when Eddie Peng Yuyan pursues the telephone operator 599 in the film, he not only wears jeans, but also paints the words "dream catcher" on his motorcycle, which makes him look as cool as Andy Lau.

　　　 In addition to clothes, the film also does its homework on sound details. For example, when A Xin’s family sat around the table for dinner, the theme song of the popular program Happy Everyday was put on the TV behind them. When A Xin rode his motorcycle downstairs to the telecom company, the background music was Wang Jie’s "A Game and a Dream", and the ballroom music was Alejandro Delfino’s "Save the Earth" when fighting with Chen Handian’s papaya in the ballroom. These things with the previous generation’s symbols easily let the audience enter the atmosphere of the times in the film.

"Roll! A Xin reappears.Jackie ChanAction drama inspires a generation’s warm-blooded memory

　　　 For "Roll! In the background of A Xin, director Yu-Hsien Lin emphasized that it was not only because he wanted to shoot the story of his brother, "but also because I wanted to use this film to inspire the generations who have gone through this era. Because many people in our generation have been lost and frustrated in their lives, I hope to show them that if we persist in our dreams and work hard, we can finally dig up a sky for ourselves. "

　　　 The echo of the times is also reflected in the action design of the film. Director Yu-Hsien Lin and the action director define the style as Jackie Chan’s humorous kung fu. In the film, Eddie Peng Yuyan, who is reduced to a street gangster, becomes Jackie Chan’s upper body when fighting, and any tool around him is a weapon when picked up, and he and Ke Yulun accidentally kiss in the fight, which is also a typical humor in Jackie Chan’s actions. This design makes "roll!" A Xin can not only make the plot tense and beautiful, but also satisfy the audience’s appetite in the action scene. On December 9, "Roll! A Xin landed in national cinemas, hoping to continue to inspire young people to strive for their dreams.

More wonderful pictures on the next page

Break through the pain points and difficulties of deep integration of ＂finance-technology-industry＂

Under the background of the new round of scientific and technological revolution and the accelerated evolution of industrial transformation, the deep integration of "technology-industry-finance" and the construction of a competitive modern industrial system have become the only way to achieve high-quality development. While constantly increasing technological innovation, the financial industry is also exploring the practical path of its own new quality productivity. In recent years, the vigorous rise of new technologies such as artificial intelligence is bringing subversive changes to the financial industry.

Financial living water nourishes new quality productivity

Recently, a series of policy documents have been issued intensively to promote the financial industry to support the cultivation of new quality productivity from various angles.

In April, the General Administration of Financial Supervision, the Ministry of Industry and Information Technology and the National Development and Reform Commission jointly issued the Notice on Deepening Manufacturing Financial Services to Help Promote New Industrialization. The document clearly stated that banking and insurance institutions should implement the innovation-driven development strategy in depth and help promote the development of new quality productivity.

In May, the General Administration of Financial Supervision issued "Guiding Opinions on Doing Five Big Articles in Banking and Insurance Industry" (hereinafter referred to as "Guiding Opinions"), aiming at thoroughly implementing the decision-making arrangements of the Central Financial Work Conference on doing five big articles in technology and finance, green finance, inclusive finance, pension finance and digital finance. Under the overall guidance of the Central Financial Committee, around the development of new quality productivity, the financial "five big articles" will be effectively implemented.

As the first of the "five great articles" in finance, technology and finance refers to the financial system serving science and technology enterprises. By integrating financial resources such as credit, bonds and equity, it provides financing for science and technology enterprises in line with their life cycle, realizes the effective docking of financial resources and science and technology resources, stimulates the scientific research vitality of enterprises, and promotes the industrialization of science and technology, which has become a necessary driving force for the development of science and technology enterprises. The Guiding Opinions emphasizes that it is necessary to focus on blocking points to improve the quality and efficiency of technology and finance, and provide full-life financial services for technology-based enterprises in combination with the development laws and characteristics of technology-based enterprises.

At the local level, the financial departments of Jiangsu, Henan, Shaanxi, Xinjiang, Anhui and other provinces have recently issued guidance documents related to supporting the development of new quality productive forces.

Recently, Xin Guobin, Vice Minister of the Ministry of Industry and Information Technology, revealed that the special roadshow of "Financial Integration of Science and Technology Industry" held in Zhengding, Shijiazhuang, and the exchange activities for the third anniversary of the launch of the national platform for industrial integration in 2024 was an innovative exploration of industrial integration. In the three years since its launch, the platform has helped enterprises to raise more than 830 billion yuan, put more than 290,000 high-quality enterprises in storage and settled in more than 2,400 financial institutions.

According to reports, the "financial integration of science and technology industry" project will be implemented by the Ministry of Industry and Information Technology in conjunction with the stock exchange and various investment institutions from 2021, guiding all kinds of capital to invest in early, small and hard technology, and building a sustained and stable innovation investment mechanism to improve the transformation and industrialization of scientific and technological achievements. In the same year, the National Industry-Industry Integration Platform was launched, which is a non-profit public service platform based on the data resources of the Ministry of Industry and Information Technology and related units. Through this platform, a financial cooperation mechanism for science and technology industry was established to help promote the deep integration of science and technology innovation and industrial innovation.

The insiders believe that the new quality productivity is marked by a substantial increase in total factor productivity, characterized by innovation, the key lies in high quality and the essence is advanced productivity. Scientific research and transformation of scientific and technological achievements are inseparable from financial support. Promote finance to better serve scientific and technological innovation, do a good job in technology and finance’s great article, and realize mutual promotion and empowerment of science and technology and finance, so as to better help accelerate the formation of new quality productivity and strongly promote high-quality development.

Financial technology accelerates innovation iteration

While the living water of finance constantly nourishes the new quality productivity, the new quality productivity of the financial industry itself is gradually emerging. With the rapid development of financial technology, on the one hand, financial institutions consolidate their digital basic capabilities, build a safe, compliant and unified technical platform base based on digital technologies such as big data, cloud computing and blockchain, on the other hand, they continue to innovate digital services, continuously optimize digital service processes, accelerate the innovation and iteration of digital financial products, and activate new functions of financial services.

Yang Xiaojing, a special expert in Beijing, said that financial technology in a broad sense refers to innovations brought by various technologies that can affect and change the way financial markets, financial institutions or financial services are provided. China’s financial technology ranks first in the world, especially in mobile payment. According to the general situation of the payment system in 2023 released by the People’s Bank of China, in 2023, the bank handled 296.163 billion electronic payment services, amounting to 3,395.27 trillion yuan, of which the total amount of mobile payment services reached 555 trillion yuan, up 11.15% year-on-year. In March this year, Z/Yen Group, a British think tank, and China (Shenzhen) Comprehensive Development Research Institute jointly released the 35th Global Financial Center Index Report (GFCI 35), which showed that Shenzhen continued to rank fourth in the world in terms of the level of financial technology development, second only to new york, London and San Francisco.

"Due to the technological progress and rise driven by a strong consumer market, massive user demand has provided a large number of business scenarios and business models. China has always been one of the largest financial technology markets in the world. We are leading the world in the development of mobile payment, financial anti-fraud and identity recognition, and consumer finance. Enterprises, talents and technologies in related fields are also actively’ going out’ to operate and integrate into and influence the global industrial chain." Yang Xiaojing said.

With the accelerated iterative upgrade of artificial intelligence (AI) technology represented by big model, this highly penetrating and subversive technology is also transforming and reshaping the financial industry. As a number of international and domestic patent inventors related to Internet finance and big data applications, Yang Xiaojing’s work experience just witnessed the three stages of the development of AI technology in the financial industry. According to her, from 2010 to 2014, AI was mainly used for analysis and statistics, and the company she founded used relevant technologies to help asset management institutions conduct performance and transaction analysis; From 2015 to 2020, the massive unstructured data on the Internet (including map spatio-temporal data) provided a foundation for machine learning, and AI could be used to find new investment factors, and the industry innovation of Baidu and other Internet companies cooperating with asset management institutions to issue big data funds emerged; After 2020, the emergence of applications focuses on the superposition of exclusive knowledge in the financial field with large models, and agents (agents) are used to carry intelligent investment and intelligent customer service, thus truly replacing some productivity.

"The American OpenAI Research Center (OpenAI) regards finance as the first choice for technology landing. First, it cooperated with Morgan Stanley to launch a robot investment consultant based on GPT-4, and after the release of GPT-4o on May 14, it cooperated with Reddit, a well-known American forum and US retail base camp, which enabled OpenAI to use community content to train models and aroused widespread concern in the capital market." Yang Xiaojing introduced that from the perspective of domestic layout, many banks such as Industrial and Commercial Bank of China and Agricultural Bank of China have launched self-developed large-scale model platforms to assist intelligent risk control and intelligent operation, and some Internet securities platforms for individual users, such as Oriental Fortune and Straight Flush, have also filed in the network information office and released a large model of financial dialogue.

Preventing and controlling risks and promoting scientific and technological innovation better

The insiders believe that it is one of the core driving forces of new quality productivity to incite scientific and technological innovation with financial innovation and promote the development of production methods in a more intelligent, efficient, green and safe direction. However, in the process of financial scientific and technological innovation, controlling the balance between it and risk prevention and control, value efficiency and resource input is the pain and difficulty for the financial industry to develop new quality productivity.

"In the first stage of the development of the financial model, the supervision was perfect and the business coverage was rich. The suppliers of technologies from banking, insurance to securities were also highly motivated and the application results were remarkable." Yang Xiaojing told reporters, but there are also shortcomings and hidden concerns. For example, core technologies and applications such as large models actually come from breakthroughs in basic knowledge and theory. In this respect, China’s ecological support and long-term investment are not complete enough. In addition, personnel training in related fields has just started. These two shortcomings are related to whether it can continue to lead, and it is urgent to attract attention.

More importantly, the financial industry has very high requirements for risk management and safety, and needs to pay close attention to three key points: model risk supervision, consumption safety and ethical governance. First of all, model risk needs technical application norms and supervision. Large-scale model has complex structure and many parameters, so it faces challenges in interpretability and security. For example, the model should give a fair, transparent and safe conclusion, otherwise it will cause technical trust risk.

Secondly, safe usage is very important. Financial data contains high-value and highly sensitive information. For example, the cross-border financial scenario contains users’ personal privacy information, enterprise information and economic activity information, and it is necessary to strictly abide by the Regulations on the Supervision and Administration of Non-bank Payment Institutions to use the data. For example, at the outflow end, payment institutions should try their best to ensure the "minimum necessity" of sharing personal information. Although it will bring some problems such as poor results of large models in the short term, in the long run, data development and flow under a unified standard can achieve long-term stability, continuously improve the service level of the industry and promote business innovation.

Third, ethical governance and accountability should be strengthened. The financial field requires rigor, but the big model has the illusion of intelligence. For example, in the securities market, the big financial model makes false and misleading investment services for individual investors, which will cause serious economic losses. Can the algorithm be held accountable if it causes property losses? These problems should be prepared in advance and clarified in advance.

"Throughout history, every industrial revolution begins with scientific and technological innovation, ends with financial innovation, and thrives on industrial innovation. Financial innovation draws new technologies into the industrial system continuously, and promotes leap-forward changes in the industry." In the aforementioned activities, Xin Guobin said that the new round of scientific and technological revolution and industrial transformation is developing in depth, and it is necessary to profoundly grasp the basic laws of promoting new industrialization in the new era, constantly promote financial innovation to adapt to the transformation of scientific and technological achievements and industrialization needs, cultivate and develop new quality productivity according to local conditions, and accelerate the construction of a modern industrial system led by scientific and technological innovation and supported by advanced manufacturing. (Reporter Wu Wei)

Zhang Xin, a first-class model of the national public security system, participated in the investigation of major cases because of overwork and death.

　　　　　　 CCTV News:On October 20th, due to overwork, Zhang Xin, a first-class hero model of the national public security system and a criminal investigation expert of the Ministry of Public Security, died unfortunately. He was only 58 years old this year.

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　　　　　　 If you don’t know Zhang Xin, you may have heard of the "silver serial murder case". The simulated portraits of the three murderers involved were written by Zhang Xin. After more than 30 years as a policeman, he devoted himself to the study of simulated portrait technology. Through simulated portrait and analysis and reasoning, he helped local police to solve more than 800 major criminal cases and created miracles in the investigation of many criminal cases. Therefore, Zhang Xin is also known as the "magic pen and horse" in the criminal investigation field.

　　　　　　 It is a very demanding job to restore the appearance of criminal suspects as much as possible by vague language description. In order to be able to draw the portrait closest to the suspect, Zhang Xin not only re-entered the Academy of Fine Arts for further study, but also walked around the streets regardless of commuting time, carefully observed the physical characteristics of all kinds of people and drew hundreds of thousands of sketches of all kinds of people.

　　　　　　 Where there’s a will, there’s a way. With the maturity of Zhang Xin’s painting method, the number of cases solved by portraits has increased, and he has gained popularity in Shanghai and even the whole country, and the number of cases attracted by him has gradually increased. Among them is the "silver serial murder case".

　　　　　　 Zhang Xin: "In my more than 30 years of working experience, it should be said that this means of committing crimes in this case is quite cruel, and it should be said that it has never been encountered for me. Another is that the time span of his crime is quite long, and the other span involves quite a lot of people. " "When I came into contact with these cases, it was unprecedented in difficulty."

　　　　　　 Zhang Xin once said: "If you are strong, you will be strong." The greater the difficulty, the more motivated he will be. Although the time span is long, there are few witnesses, and what the witnesses saw in panic still has some conceptual consciousness. For example, witnesses described the suspect’s appearance as fierce and his smile as neurotic, which was a kind of crafty smile. Zhang Xin also needs to use a brush to express such a description with subjective imagination. He still has to discard the false and keep the true, distinguish which is subjective and which is objective, and consider the psychological feelings of witnesses. Every stroke of his is crucial, because it is providing a basis for the subsequent investigation. Should that sentence, the difference is a mile, and it is a thousand miles away.

　　　　　　 Zhang Xin: "We say that different face shapes and different fatness are related to this person’s five senses. That is to say, a fat person like you can’t grow a thin nose, and a thin person can’t grow a fat nose. It is impossible for a narrow eyebrow frame to grow a big eye, so we still have to do it according to this scientific relationship, that is, a scientific law of different facial features and faces. Then that is to say, to discard the false and retain the true is to judge which descriptions are credible and which are subjective through the fat, thin and specific face shapes and widths she describes. "

　　　　　　 It took Zhang Xin three days to complete these three portraits. You know, with his current skill, it only takes him ten minutes to an hour to draw a simulation. His time is spent on carving details, even a line on his face, a scar, etc., and even what special expressions will appear on the suspect’s face, which may bring important help to solving the case.

　　　　　　 In order to draw a good simulation, he specially taught himself criminal psychology, criminal investigation, preliminary examination, trace inspection and so on. In order to do this job well, he devoted too much heart and energy, and the word responsibility was too heavy in his heart. No one thought that such a hero would leave us so early. While mourning, we also pay tribute to all the people’s policemen who struggled in the front line. I hope you will be safe! I hope this hero, Zhang Xin, has a good journey.

Wuliangye accelerates to go to sea, linking the world with ＂harmony＂

This April, "Wuliangye and America’s Global Tour" set sail again, showing the world the beauty of famous wine and China liquor culture with an open and inclusive attitude.

In New Zealand, the "Wugroni" cocktail with Wuliangye as the base wine shows the unique flavor of combining Chinese and Western. In Chile, the beauty of Sichuan wine and the changing face of Sichuan opera present Bashu charm and national charm; In Brazil, Wuliangye bridges people’s hearts with fine wine and delicious food, and conveys China’s philosophy of "harmony" to local people.

While promoting the spread of China traditional culture, Wuliangye is becoming a new "business card" for China liquor in the world economic and trade exchanges. On April 21-22, Wuliangye appeared in the 2024 APEC CEO Summit High-level Forum and Global Promotion Conference, and the China Forum of APEC Industry and Commerce Council. Join hands with APEC for six times to contribute the wisdom and strength of China wine industry to the high-quality and sustainable development of the Asia-Pacific region.

"Harmony" is Wuliangye’s cultural proposition, value orientation and spiritual symbol. As the leading liquor maker in China, Wuliangye has continuously appeared in international high-end platforms and events such as the World Expo, APEC and Boao Forum for Asia with a more open vision and a broader pattern in recent years, leading China Liquor to actively "go global", building a sustainable global supply chain with the concept of "harmony" and exploring innovative paths for the international development of China Liquor.

Wuliangye "Hemei Global Tour" Chile Station. Photo courtesy of enterprises

"Hemei Global Tour" sets sail again

Wuliangye’s "Hemei Global Tour" in 2024 set sail in April, opening the encounter between "the fragrance of big countries" and the world.

In the early morning of April 17th, a Sichuan Airlines passenger plane painted with a giant panda as a messenger of friendship took off from Tianfu Airport in Chengdu and crossed 10,000 kilometers to Auckland International Airport in New Zealand, marking the resumption of direct flights between Chengdu and Auckland by Sichuan Airlines. As a business card of Sichuan culture, Wuliangye, together with Sichuan Airlines, prepared exquisite gifts with cultural characteristics for the passengers on the first flight of resumption of air service, showing the connotation of "harmony" of Wuliangye, the charm of Sichuan in abundance and the wonderful charm of China culture at an altitude of 10,000 meters.

On April 18th, local time, the China (Sichuan)-New Zealand Economic, Trade and Cultural Promotion and Exchange Conference was held in Auckland, and Wuliangye also took the opportunity to open the Auckland Station of "Hemei Global Tour". Wuliangye displays the charm of China liquor in the form of multiple exchanges. Whether it is the mellow and sweet aroma of the classic Wuliangye or the combination of Chinese and Western styles of the "Five Grains Ronnie" cocktail, New Zealanders can experience the rich and wonderful taste of Wuliangye, which is inclusive and harmonious.

On April 19th, local time, Wuliangye appeared as a representative enterprise at the China (Sichuan)-Chile Economic and Trade Cultural Promotion and Exchange Conference, and launched the "Hemei Global Tour" in Chile. This is also the first time Wuliangye has launched a transnational multicultural exchange activity in Latin America. Core products such as "Wuliangye Ziqi Donglai" and classic Wuliangye let the guests immerse themselves in the beautiful customs of China wine and clink glasses with enthusiasm on Latin America. The literary collision between the Chilean national dance Quetta and the China national quintessence Sichuan Opera has promoted the exchange and mutual learning among different civilizations.

Sharing delicious food is an effective way to promote Chinese wine culture into local life. Wuliangye’s "Hemei Global Tour" also brought the consumption scene of "Chinese food+Chinese wine" to various places, including launching the theme activity of "Seeking China for Fragrance" in conjunction with local restaurants in New Zealand and Chile, so as to provide more local consumers with opportunities to experience Wuliangye and feel the culture of China.

"Wuliangye and Mei Global Tour" is a transnational cultural exchange activity with the theme of "Mei". It opened in Paris, France on July 10, 2023, and will continue to travel around the world in 2024 to promote the excellent Chinese traditional culture represented by liquor to the world through various forms such as culture, art and fashion.

From "going out" to "going in"

As one of the earliest "going out" China liquor enterprises, Wuliangye has explored the characteristic internationalization path from "product" to "brand" and from "sales" to "marketing", leading the transformation of China liquor from "going out" to "going in".

During the "Hemei Global Tour", the chairman of Wuliangye Group (stock) Co., Ltd. led a team from Qin to investigate the liquor market in Oceania and Latin America, and had in-depth exchanges with local dealer teams, Chinese business associations and associations, and representatives of Chinese-funded enterprises to explore effective ways to adapt to the drinking habits of local consumers, innovate liquor consumption scenarios, and improve the local channel layout, so as to make Wuliangye’s pace of going to sea deeper and more practical.

Wuliangye has been deeply involved in the New Zealand market for more than 20 years. Zeng Congqin and his party have drawn a new blueprint for Wuliangye’s strategic layout in New Zealand, including Wuliangye products to be stationed in local chain wine shops, high-end Chinese restaurants and entertainment venues.

Chile is an important market for the international development of Wuliangye. Wuliangye’s products have been stationed in some channel outlets such as Chinese restaurants and supermarkets in Chile, and will accelerate the deepening of cooperation with Compañía Cervecerías Unidas SA, the largest local wine and beverage group.

Wuliangye liquor will also enter the Brazilian market, covering restaurants, supermarkets and other important outlets, gradually entering the large-scale retail terminal of the liquor market, and building a comprehensive three-dimensional sales channel.

Going in and integrating into the local area requires innovative thinking and finding new incisions. In 2023, Wuliangye cooperated with Kimbali, the world’s largest cocktail group, to launch the cocktail "Five Grains Ronnie" based on Wuliangye, which was promoted in nearly 600 bars in China, creating a new paradigm of East-West integration, and won the "2023 Liquor and Bar Marketing Award". At the same time, Wuliangye takes the lead in researching and developing pre-blended sparkling wine, which will be put into the Korean market soon, so as to create Kentucky products that meet the drinking habits of mainstream overseas consumers and young consumers.

Liquor going to sea is a long-term strategic project. From going to Europe and America, completing the layout of global market channels, taking the lead in establishing the "International Famous Wine Alliance", and now building an overseas three-dimensional marketing system, Wuliangye took the lead, and its influence and competitiveness in the international market accelerated.

Participate in global supply chain construction

The value of famous wines lies in the responsibility of the times. As the leader of national brands, Wuliangye has firmly grasped the primary task of high-quality development, and at the same time, it has stepped onto an important stage in the world, participated in international division of labor and cooperation, and helped to build a sustainable global supply chain.

On April 21-22, the 2024 APEC Business Leaders Summit High-level Forum and Global Promotion Conference, and the Hong Kong Forum of APEC China Business Council were held in Hong Kong, China. Wuliangye appeared in the promotion meeting as a "Platinum Partner" and "Exclusive China Liquor Partner", and deeply participated in the Hong Kong Forum of APEC China Business Council as a strategic partner.

Wuliangye appeared as a "Platinum Partner" and "Exclusive China Liquor Partner" at the 2024 APEC CEO Summit High-level Forum and Global Promotion Conference and the Hong Kong Forum of APEC China Business Council. Photo courtesy of enterprises

This is the sixth time that Wuliangye has joined hands with APEC, and the important premise of promoting Chinese wine culture to the world stage is the brewing quality and brand accumulation of Wuliangye. Wuliangye is located in one of the "Top Ten Spirits Producing Areas in the World". It has a national treasure living cultural relic-the ancient pits and ponds in Yuan and Ming Dynasties that have been fermented for more than 700 years, a national intangible cultural heritage-the traditional brewing technique of Wuliangye wine, and the blessing of "double national treasures", which makes Wuliangye wine rare.

It is the common aspiration of the whole world to build a green, high-quality, efficient, open and shared supply chain system. During the Hong Kong Forum of APEC China Business Council, Jiang Wenge, vice chairman and general manager of Wuliangye Co., Ltd., shared Wuliangye’s experience in building a sustainable global supply chain with the concept of "harmony". Jiang Wenge believes that to build a sustainable global supply chain, we need to work hard on green development, product quality, digital intelligence drive, opening to the outside world, and achievement sharing, give full play to the professional advantages and resource endowment advantages of different subjects, and form a more innovative, higher added value, safer and more reliable supply chain network.

Without accumulating each short step, one cannot cover a thousand miles. It is a long-term proposition for China liquor to go to sea. Wuliangye and other famous liquor enterprises have accelerated the strategic layout of overseas markets, which has contributed exploration paths and experience wisdom for China liquor to enhance its influence in the world.

Text/Qin Shengnan

Editor Li Yan

Proofread Liu yue

Eye love day is coming, don’t be blinded by rumors.

　　Doing eye exercises for decades is a waste of time. Wear glasses to deepen myopia? Can online celebrity Eye Drops be used for a long time?

　　Bright eyes are fond of looking, smart and clear, and blazing with anger … As the window of the soul, people use many beautiful words to describe their eyes. However, with the change of living habits and the availability of electronic products, "small eyeball" has a "big problem". To make matters worse, there are some rumors about eyes that make things worse. June 6th this year is the 24th national "Eye Love Day". The reporter of Science and Technology Daily invited Ji ‘ang, director of ophthalmology department of Beijing Haidian Hospital, to sort out several major rumors about eyes and help prevent and treat myopia correctly.

　　Proverbs 1

　　Glasses can’t be taken off when put on, which will deepen myopia.

　　Many parents don’t want to wear glasses for their children, fearing that once they wear glasses, they can’t take them off, and they think that wearing glasses will deepen the degree of myopia.

　　In fact, on the contrary, adolescent myopia is axial myopia (the axial length exceeds the normal development length, causing distant objects to focus in front of the retina, and the retinal imaging is blurred to form myopia). Based on the current medical technology, axial myopia is irreversible and can only be controlled. Myopia without wearing glasses will inevitably lead to excessive eye adjustment and efforts to see clearly. As a result, it can only make eye adjustment spasm and visual fatigue worse, and then promote the deepening of myopia. The younger a child has myopia, the more likely he is to develop high myopia, and a pair of timely and appropriate glasses is very important to control myopia.

　　If children are found to be nearsighted, they can relieve their visual fatigue to a certain extent after optometry and glasses fitting in the hospital in time. Then, the development of myopia can be controlled by improving their eye habits, using their eyes for 30 minutes at close range, taking breaks for 5 to 10 minutes, ensuring indoor reading lighting and appropriately increasing outdoor activities (2 hours a day). Generally speaking, the annual progress of juvenile myopia is about 0.50D(50 degrees), which is basically the result of normal development. If it exceeds 1.00D(100 degrees), it is necessary to strengthen prevention and control measures.

　　Proverbs 2

　　Online celebrity eye drops have excellent effect and can be used for a long time.

　　The pursuit of bright eyes makes many people who love beauty pursue online celebrity eye drops with the same model, thinking that such eye drops can instantly relieve eye fatigue and fade red blood, which is beneficial to eyes after long-term use.

　　But is this really the case?

　　The main components of this kind of eye drops include naphazoline hydrochloride, oxymetazoline hydrochloride, tetrahydrozoline hydrochloride, chlorphenamine maleate, chondroitin sulfate sodium and menthol.

　　The reason why eye drops can remove red bloodshot is because the main component contains "adrenergic receptor agonist", which can effectively contract blood vessels and reduce eye congestion. Red blood goes away quickly, but it will come back. Long-term use will not only lead to dependence (if it is not red), but also lead to dilated pupils and dilated blood vessels (if the red blood is heavier), which may even lead to glaucoma. After being absorbed by nasal mucosa, these components will act on the whole body blood vessels, which will increase blood pressure and aggravate cardiovascular or endocrine diseases.

　　Preservatives in eye drops are also harmful to eyes. Generally, eye drops need preservatives because of repeated use. Many preservatives are harmful to the eye surface to a certain extent. If preservatives meet the national standards and are used for a short time, they will not cause permanent damage. However, if they are used for a long time, it is tantamount to killing the goose that lays the golden egg to relieve eye fatigue.

　　The principle of eye protection applicable to any crowd is not to overuse eyes for a long time. Generally, reading or using electronic products takes about half an hour. You should close your eyes and rest, blink or overlook for 5 to 10 minutes, and feel dry eyes. Artificial tears without preservatives are recommended.

　　Proverbs 3

　　Mydriasis optometry is harmful to eyes.

　　A more accurate name for mydriasis optometry is "cycloplegia optometry", which is an internationally recognized gold standard for diagnosing myopia.

　　Teenagers must have full mydriasis optometry for the first time. Theoretically, ciliary muscle accommodation exists in the eyes of people under 40 years old. The younger they are, the stronger the ciliary muscle accommodation is, and the degree of glasses given without mydriasis optometry is far greater than its actual degree. Even a considerable number of children have myopia of one or two hundred degrees by direct optometry. After full mydriasis, their vision is 1.0, but there is no myopia.

　　At present, the main cycloplegics used in clinic are: 1% atropine eye drops or eye ointment (long-acting for 21 days), 1% cyproterone hydrochloride eye drops (medium-acting for 3 days) and 0.5% compound tropicamide eye drops (short-acting for 6-8 hours). For children under the age of 12, it is strongly recommended to use 1% atropine for continuous eye drops for 3-4 days and then go to the hospital for optometry. After 3 weeks, the pupil will return to normal and the final optometry result will be confirmed.

　　Because there is photophobia and blurred vision during mydriasis, it is not recommended to read and write, so parents must pay close attention to their children’s vision and try to go to the hospital at the beginning of winter and summer vacations.

　　The optometry results after paralyzing ciliary muscle can make doctors know the ametropia of this eye with minimum deviation, and operating according to the regulations will not only damage the eyes, but also help to control the development of myopia.

　　Proverbs 4

　　Doing eye exercises can’t improve eyesight.

　　There is an online rumor that "doing eye exercises can’t improve vision, but many students massage with dirty hands, which leads to pinkeye and eye infection." Is it a waste of time to do eye exercises for decades?

　　Whether eye exercises are useful or not depends on its origin. On January 7, 1959, the Chinese Journal of Ophthalmology published the article "Preliminary Experience of Massage in Treating 49 Cases of Myopia". According to the memory of the old experts who participated in it, the Shanghai branch of the Chinese Medical Association conducted myopia research and carried out eye exercises in Shanghai.

　　At that time, it was clear that eye exercises can make students rest their eyes and relieve visual fatigue, but they can’t treat the high myopia that adults have already set. On the one hand, when doing eye exercises, closing your eyes can make your eyes rest properly; On the other hand, massaging the acupoints around the eyes can dredge the meridians, improve and promote the blood circulation of the eyes, and eliminate and adjust the eye tension; In addition, eye exercises and soothing music can also relieve mental stress to some extent.

　　In recent years, some researchers have conducted a study on the intervention of eye exercises on young people with mild myopia, and observed the changes of vision with the international standard eye chart two months later. The results show that the effective rate of eye exercises in the intervention of mild myopia is as high as 85.4%. According to an article published in Medical Theory and Practice, similar results were observed in the experiment on the prevention effect of new eye exercises on students’ low vision, and the total effective rate of new eye exercises was 86.4%.

　　Proverbs 5

　　Eye patch, massage instrument and functional glasses can cure myopia.

　　Various eye patches, eye masks, massagers, physiotherapists, functional glasses and other products that claim to cure myopia emerge one after another. Many people are confused by the advertisements of merchants, thinking that these products can cure myopia as long as they are used for a long time.

　　In fact, axial myopia is irreversible, which means that axial myopia cannot be cured and can only delay its development. When teenagers have axial myopia, they all have the illusion of exceeding the actual myopia degree to a certain extent due to accommodation spasm. It can be improved by correct mydriasis optometry or proper rest under the guidance of doctors. Many illegal organizations and businesses use this simple medical knowledge to over-publicize the concept of curing pseudomyopia.

　　Take the eye patch as an example. National Medical Products Administration has never approved any eye patch with myopia treatment effect. If consumers go online to check their production batch numbers and functional applicability, they will find the rhetoric of unscrupulous merchants stealing the concept. Therefore, consumers are advised to check whether the products have been approved as medicines and medical devices, and whether they have obtained the approval of medical devices before deciding whether to buy them.

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