It was learned from the Provincial Department of Finance that in order to further create a fair, honest, trustworthy, open and transparent business environment for government procurement, the Provincial Department of Finance recently issued the "Implementation Plan for Optimizing Business Environment in Government Procurement in Hebei Province in 2022", which promoted the optimization and improvement of business environment indicators for government procurement in the whole province from three aspects.

　　Clean up all kinds of barriers and thresholds that hinder the business environment. Clear the hidden thresholds and barriers set by foreign enterprises in the field of government procurement, and clear the behaviors that require suppliers to set up branches and offices in the location of the project or the location of the purchaser to exclude foreign bidders; Clean up the behavior of setting unnecessary conditions to exclude potential competitors, and clean up the behavior of excluding and restricting competition by dividing the level of suppliers’ enterprises, adding certification items, setting up project libraries, registration, certification and recognition. The clean-up scope of the two items includes the procurement documents and procurement announcements of government procurement projects by public bidding since 2020.

　　Simplify and improve the mechanism of government procurement procedures. Simplify the formal examination of suppliers’ qualifications, and continue to promote the "credit+commitment" system of government procurement. For government procurement projects specifically for small and medium-sized enterprises, purchasers and procurement agencies no longer require suppliers to provide relevant financial status, tax payment and social security funds in procurement documents and procurement announcements, but instead adopt the form of commitment letters, which will be publicized together with the bid winning and transaction announcements. Improve the credit repair mechanism during enterprise reorganization, and allow bankrupt enterprises that have been ruled by the people’s court to approve the reorganization plan to apply for adding relevant enterprise reorganization information in the website of Credit China, the national enterprise credit information publicity system and the basic database of financial credit information in a timely manner, and allow them to participate in government procurement projects according to law, and list them in the procurement documents.

　　Establish a joint disciplinary mechanism. Buyers at all levels are required to carry out procurement activities in accordance with internal control according to law, strictly examine the qualifications of suppliers, and establish a joint disciplinary mechanism for those who are untrustworthy. Suppliers in the published list of those who are untrustworthy should be given joint disciplinary action in the field of government procurement. If any supplier who participates in government procurement activities in the name of the consortium is jointly punished, the consortium will be jointly punished.

In recent years, a new round of domestic consumption represented by "new domestic products" has risen in an all-round way, which is inseparable from China’s entry into a high-quality development stage. Generally speaking, new domestic products have entered a new stage of explosive growth, becoming a new engine for upgrading consumption and providing a new path for a high-level dynamic balance between supply and demand in the digital economy era. However, we should also see that the competitiveness of new domestic products in the mid-to high-end market still needs to be improved, the construction of "three products" ("increasing varieties, creating brands and improving quality") needs to be improved urgently, and the market environment and policy support are still not perfect. How to seize the rising opportunity of new domestic consumption and promote the development of domestic brands to a higher level? It is an urgent problem to think about.　

First, new domestic products have entered a new stage of explosive growth.

New domestic products are a series of original brands and old brands that have emerged in China market in recent years. The main goal is to meet the upgrading of residents’ consumption, and digital technology and digital management are the main means. It is a new growth point of consumption with distinctive characteristics of the digital economy era.

(A) Multi-field concurrent, driving the upgrading of household consumption in an increasingly wide range of fields.

The new domestic products cover more and more areas of residents’ daily consumption. In 2020, the top 20 new domestic brands will cover 10 areas of life consumption, such as mobile phones, clothing accessories, smart cars, smart homes, smart hardware, food, drinks, maternal and child, home, beauty and personal care. In 2020, the sales scale of the top 20 brands of new domestic products averaged 22.2 billion yuan, with an average year-on-year growth rate of 229%; The top 100 brands have been established for about 6 years on average, and the average sales scale has reached 5.4 billion yuan.

(B) High-frequency new hair, the leading role in consumer innovation has been highlighted.

The fashion leading force of new domestic products is constantly rising, which has become an important part of "first store economy" and "first economy". According to the survey, there will be more than 390 first-store brands in China in 2020, of which domestic brands (including Hong Kong, Macao and Taiwan) will account for about 70%, up about 10 percentage points from 2019. New domestic products have gradually become the characteristics and highlights of China’s international consumption center city construction. Taking Guangzhou as an example, among the 53 national first stores in 2020, 47 are new domestic products, accounting for 88.7%.

(C) short-term outbreak, the supply capacity to meet the consumption upgrade continued to improve.

Shortening the innovation cycle promotes the continuous improvement of the supply capacity of new domestic products. According to statistics, in 2020, the top 100 brands of new domestic products were basically established within 10 years, with an average of about 3 years. Some brands achieved explosive sales growth in less than 2 years. For example, the brand "Perfect Diary", a new domestic beauty brand established in 2016, achieved sales revenue of over 100 million yuan in the "618" shopping festival in 2021; The revenue growth rate of Yuanqi Forest, an emerging beverage with "0 sugar" as its selling point, will reach 309% in 2020, which is 8 times that of Coca-Cola.

Second, new domestic products have become the new engine for upgrading consumption.

In recent years, in line with the trend and demand of upgrading residents’ consumption, new domestic products have rapidly developed on the basis of the online retail market, and have emerged in all aspects of consumption fields such as clothing, food, housing, transportation and use. Generally speaking, the consumption of new domestic products shows the characteristics of rapid increase in market share, expansion of market incremental contribution and increasingly strong consumption vitality, which injects powerful new kinetic energy into consumption upgrading.

(1) The attention and market share of new domestic products have increased rapidly.

The attention of new domestic products continues to increase, and the market share is rapidly approaching and surpassing international brands. From 2016 to 2021, the attention of domestic products has been completely reversed in five years, and consumers’ attention to domestic products has changed from 10 percentage points lower than that of international brands to 50 percentage points higher than that of international brands (see Figure 1). Take FMCG industry as an example. According to the survey, in 80% market segments, the market share of domestic products exceeds that of international brands. Especially in the online retail market, the consumption of new domestic products is growing faster. In the online retail market in 2019, the market share of new domestic products reached 72%. In some market segments such as home appliances and food, the market share of new domestic products is as high as 80%.

Figure 1 Changes of domestic brands’ attention from 2016 to 2021

Source: Baidu & People’s Daily Online "2021 National Tide Pride Search Big Data Report"

(B) New domestic products have created more consumer market increments.

New domestic products have become an important source of incremental consumption market. According to statistics, in 2018, new domestic products contributed 76% of the growth of China FMCG market, which was 52% higher than that of international brands. In some large-scale e-commerce platforms, the contribution of new domestic products to the market increment is rapidly increasing. Research shows that the contribution of new categories to the market increment reached 44.8% in 2019, an increase of 15.2 percentage points over 2018. In addition, the active consumption of new domestic products has also attracted more social capital investment.

(C) Youth groups pay more attention to the new domestic products, which greatly drive the consumption vitality.

The improvement of China’s comprehensive national strength, the staged victory in epidemic prevention and control, and the achievements in safeguarding national enterprises represented by Huawei have greatly encouraged consumers, especially young people, to feel patriotic and identify with domestic products. In 2020, among the age distributions concerned by "National Tide", the post-80s, post-90s and post-00s accounted for 16.9%, 48.6% and 25.8% respectively, making a total of 91.3%. According to the survey, 90.7% of consumers are more willing to support domestic products, 64.5% will give priority to buying domestic products, 61.4% will pay special attention to whether the brand they choose is domestic products, and 56.7% will persuade their relatives and friends to support domestic products.

Third, new domestic products provide a new path for the dynamic balance between supply and demand in the digital economy era

Behind the rapid development of new domestic consumption is the interactive docking of manufacturing enterprises, brand enterprises and e-commerce platforms in China, which uses digital technology to reconstruct the supply chain of production, circulation and consumption, builds a new development model of accurately identifying demand, efficiently organizing production and quickly docking the market, and walks out of a new path of supply and demand matching and dynamic balance in the digital economy era.

(1) Fully tap the value of big data elements, and accurately understand and tap new demands.

Big data is a new production factor for new domestic products to gain insight into consumption trends, capture consumer demand and create consumer markets. Traditional commercial and retail enterprises focus on traditional factors such as land, manpower and capital, and their ability to use big data production factors is not strong, resulting in inefficient matching between supply and demand. E-commerce platform has become an important market information and consumer intelligence hub in the digital economy era. The innovation and development of new domestic products closely rely on digital channels such as e-commerce platform, social platform and live broadcast. Through the analysis and mining of big data information, we can accurately identify new demand and create new supply, thus constantly discovering new market opportunities. For example, a cutting-edge sparkling wine brand tested 14 new products on 10,000 consumers in four months by using the digital platform, and finally the listed products achieved far more sales than expected.

(B) to build Internet traffic operation capabilities, and quickly spread and connect with new markets.

For a long time, relying on the advantages of capital and experience, international brands seized and controlled the superior commercial circulation channels, and did not open them to domestic brands, resulting in domestic products being at a disadvantage in market competition. As China’s e-commerce market has become the most innovative and largest market in the world, new domestic products have seized the opportunity to establish a mature Internet "traffic" operation capability in the market competition, and created new marketing models that directly reach consumers, including social e-commerce, live broadcast and short video operation, and built new advantages for domestic brands in modern circulation. It is found that some international brands that have withdrawn from the China market in recent years have reserved their marketing departments to learn from China’s digital marketing model.

(C) the construction of a digital supply chain system, efficient coordination and organization of new supply　　　　

Digital supply chain system includes production organization and service innovation. On the one hand, foundries with high-quality manufacturing capabilities accelerate their docking with the domestic market with the help of new domestic products. As an important intermediate link, platform enterprises help foundries to connect brands and consumers, realize digital transformation and improve their ability to respond quickly to market demand. For example, a large-scale e-commerce platform quickly organized production and hatched a number of new domestic brands in response to the consumption boom of "small household appliances" such as "one-person food". Last year, the sales volume during the epidemic increased by 5-20 times compared with the same period of last year. On the other hand, the connotation of digital services supporting the development of new domestic products is constantly innovating and expanding. For example, the number of multi-channel network (MCN) organizations providing integrated digital services has rapidly developed from 160 in 2015 to more than 20,000 in 2020, which has helped the "online celebrity economy" to grow and develop. The digital supply chain system has changed the development mode of low-price competition in the past, supported new domestic products to move towards the high end of the value chain and quickly seize the middle and high-end market share. According to statistics, in 2020, the market share of new domestic products will reach 24.2%, 30.9%, 51.9%, 46.7% and 41.9% for the mid-to high-end products in the online market segments such as household appliances, food, medical care, culture and entertainment, and 3C digital products.

Fourth, the problems and obstacles faced by the development of new domestic products

New domestic products are still in the early stage of development, and the competitiveness of high-end markets at home and abroad still has much room for improvement. The ability to build "three products" is insufficient, the market environment and policy support are still not perfect, and sustainable development and lasting operation still need to be tested.

(A) the competitiveness of new domestic products in high-end markets at home and abroad is still insufficient.

At present, except for some fields such as food and beverage, cosmetics and clothing, the international competitiveness of new domestic products is still not strong in areas such as milk powder, luxury goods, high-end electronic products, health care products, etc., where the threshold for R&D investment is high and consumers demand higher, and there is still a large-scale consumption outflow every year. In addition, the recognition of new domestic products in some fields in the domestic market is not high. From the sales situation of the two e-commerce shopping festivals of "double 11" and "618" in the past two years, among the top 20 brands in cosmetics sales, new domestic products only account for 3; There are no new domestic products in the top 10 brands of milk powder. For some new domestic products whose quality is close to the international first line, there is still a big gap in investment in product research and development, brand management and human capital accumulation, especially in the construction of design talents, marketing talents and operation talents.

(B) New domestic products "three products" building capacity needs to be improved

There is still a big gap between the development of new domestic products and the international advanced level in the construction of "variety, quality and brand", and the effective supply capacity and level are still difficult to fully meet and fully adapt to the needs of consumption upgrading. In terms of varieties, large-scale enterprises lead the product design innovation, and a large number of small and medium-sized enterprises follow the imitation, and the original ability needs to be strengthened. In terms of quality, the foundry has formed a strong path dependence on OEM production and processing trade mode, and the release of manufacturing capacity to the domestic market is still insufficient; The concept of "small profits but quick turnover" and the self-positioning of "big brand replacement" of domestic brands are still deeply rooted. Some brands regard the national tide as a gimmick and ignore the improvement of quality connotation. On the brand, the marketing mode is mainly "explosive" marketing, lacking the long-term planning of building the overall image of the brand. Some brands rely too much on the domestic market and lack the awareness, vision and confidence of international development. In addition, the disorderly expansion and blind follow-up of capital have also contributed to short-sighted behaviors such as low-price competition and false propaganda.

(C) the market environment to promote healthy competition needs to be improved.

Small and medium-sized enterprises are the main players in the market of new domestic products, which are prone to low-level competition and unfair competition such as shoddy and false propaganda. For new brands and products, there is a problem of "one product is hot, and thousands of people copy it", so the protection of intellectual property rights and trade secrets needs to be strengthened urgently. The technical standard system lags behind the product production iteration, and some cross-border products lack relevant technical standards formulated by relevant departments and associations. The profit of some enterprises’ new products dropped from 80% to 10% within one year, which affected the continuous innovation power of enterprises. Due to the fast iterative speed of updating new domestic products, the accumulation of business information and credit information of enterprises is relatively insufficient, and the supervision cost is relatively high. At the same time, due to the rapid innovation of online marketing model, there are still a lot of regulatory gaps in the fields of live delivery and social e-commerce, and the collaborative governance model of government departments, platforms, industry associations and consumers is far from being established. Once the quality and food safety risks of "explosive models" appear, they will spread rapidly and widely, which will greatly impact consumer confidence.

(D) insufficient policy synergy to support the development of new domestic products

Globally, in order to support domestic brands to become bigger and stronger and go global, governments all over the world attach great importance to planning systematic policies covering production, circulation and consumption. Take South Korea as an example. In order to promote Korean local perfumes and cosmetics, the South Korean government requires duty-free shops to sell domestic cosmetics in at least one third of the area. At present, cosmetics account for over 50% of the total sales of duty-free shops in South Korea, and domestic cosmetics account for half of the total sales of cosmetics. At the same time, the South Korean government issued a cultural industry development plan, and implanted the brand into film and television cultural works, forming a good publicity and driving role. China doesn’t give much consideration to new domestic products in the planning of cultural tourism, activity promotion and business development, and the efforts to support domestic products by using the tax-free policy system are not strong.　

V. Policy suggestions

(A) to speed up the implementation of the "three products" upgrade strategy to enhance the quality of new domestic products.

On the basis of the original "three products" policy, we will implement the "three products" upgrade strategy, guide market participants to enhance the added value and soft power of products, and promote the "quality revolution." We will build a number of high-level laboratories for quality control and technical evaluation of consumer goods, accelerate the development of third-party quality inspection and certification services, and explore the establishment of a special certification system for quality traceability management systems. Strengthen competition behavior supervision, food safety supervision and quality supervision of new channels such as live e-commerce and social e-commerce. Improve the construction of relevant standards system for new domestic products, and promote the quality improvement and standardized development of domestic products.

(2) Accelerate the construction of an international consumption center city and create a number of world-renowned new domestic brands.

Take the brand of new domestic products as the focus of starting economy and first store economy, and form a benign mutual promotion between new domestic products and the development of international consumption center cities. Support domestic brands to enter world-class business circles, create new consumption scenes of domestic products in the upgrading of commercial streets, organize a series of distinctive new domestic products consumption promotion activities, and create a good domestic products business infrastructure and consumption atmosphere. Promote the integrated development of new domestic consumption and cultural tourism, and enhance the regional cultural characteristics and cultural connotation of new domestic brands.

(3) Actively explore the innovation of fiscal and taxation policies and enhance the incentives for the innovation and development of new domestic products.

Support domestic products to enter the duty-free retail market, encourage duty-free shops to sell more domestic brands, guide relevant enterprises to develop high-quality domestic products with special characteristics for duty-free channels, and build duty-free shops into an important platform to support domestic products, display their own brands and spread national traditional culture.

(4) Support new domestic products to go to sea and encourage new domestic products to continuously expand market space.

Support new domestic products to carry out cross-border e-commerce cooperation, lay out overseas warehouses, expand overseas supply chains, and promote the supervision mode of cross-border e-commerce enterprises exporting directly to enterprises and cross-border e-commerce exporting overseas warehouses to be applied nationwide. Support new domestic enterprises to cooperate with international brand enterprises in the form of equity participation, stock exchange and mergers and acquisitions, and improve the international operation ability of domestic brands. Strengthen the application of international law and enhance the ability to use international rules to safeguard the legitimate rights and interests of domestic brands in overseas operations.

(5) Strengthen publicity and support to promote the enthusiasm of "domestic consumption".

Set up the promotion content of new domestic products in publicity platforms such as "Double-product Shopping Festival" and "China Brand Day". Carry out a series of reports on domestic brands through multiple channels, introduce the development of various categories of domestic products, highlight the quality of domestic products, convey the spirit of domestic products, unite the brand identity of the people who love domestic products, and empower the brand building of domestic products. Analyze and tell the charm and advantages of "domestic products" from the perspective of the younger generation, improve consumers’ awareness and loyalty to their own brands, and enhance the pride of the people in buying new domestic products.

(The authors Wang Nian and Li Hanqing are both associate researchers of the Institute of Market Economy of the State Council Development Research Center, Su Nuoya is an assistant researcher of the Institute of Market Economy of the State Council Development Research Center, and Wei Wang is the director and researcher of the Institute of Market Economy of the State Council Development Research Center).

　　Private economy is a new force to promote Chinese modernization and an important foundation for high-quality development. Small and micro is the key to strengthen the private economy. As a capillary to smooth the national economic cycle, a large number of small and micro enterprises are an important part of the private economy, an important foundation for stabilizing the economy, the main support for stabilizing employment, and a key link to improve the stability and competitiveness of the industrial chain supply chain.

　　As the first national joint-stock commercial bank initiated by private enterprises in China, China () has always adhered to the initial mission of serving private enterprises, focused on the strategic positioning of "banks for private enterprises", and has taken the lead in exploring microfinance in China since 2008. In the past 15 years, we have continued to iteratively upgrade the small and micro business model, increased the credit and online support for small and micro enterprise legal persons, and cast a gold-lettered signboard for small and micro finance.

　　In the past 15 years, the development of small and micro enterprises has changed, and the services of Minsheng Bank have changed, and a "Friends" has been written.

　　■ Small and micro "old friends"

　　The first loan on the road to entrepreneurship

　　From an ordinary truck driver to the head of a well-known local logistics company, Mr. Chen, like many Quanzhou people, is full of the spirit of love and dare to win. "My career started, which can be said to have started with Minsheng Bank’s first loan." Recalling the course of starting a business that year, Mr. Chen is still very emotional.

　　Truck drivers who have been running for several years have accumulated some experience, found out the doorways of the industry, and have a certain customer base. In 2007, Mr. Chen came up with the idea of forming a transportation team.

　　"At the beginning, there were only three small four-wheeled trucks, which mainly helped the cement factory to distribute some materials to the rural agency." After the operation is on the track, there are more and more orders, and the existing truck traffic volume obviously cannot keep up. Mr. Chen plans to expand his business and buy more trucks for transportation.

　　"I just got married at that time, and I finally got enough down payment to buy a house. I really couldn’t come up with extra funds. It is not easy for a small merchant like us to apply for a loan. Either it does not meet the bank access conditions or it needs to provide collateral or guarantors. Most of them still borrow money from relatives and friends. " Mr. Chen remembered the predicament at that time and shook his head again and again.

　　"When I was at my wit’s end, Xiao Li of Minsheng Bank helped me a lot." When visiting the merchants around the outlets, account manager Li Yiyang came to Mr. Chen’s store and learned about Mr. Chen’s business situation and "troubles". After that, Li Yiyang introduced Minsheng Bank merchant card, running water loan and music cashier to him.

　　"When Xiao Li said that he could apply for a running water loan, I felt that I saw hope at once." After collecting materials, printing running water, on-site investigation and other procedures, a credit loan of 500,000 yuan was paid to Mr. Chen’s account within 2 days. Mr. Chen bought five trucks with loan funds. "It is with this 500,000 fund that my business scale has gradually grown from five trucks to 10, 20, and now 50."

　　With the development of enterprises, Minsheng Bank has also provided Mr. Chen with more comprehensive financial services, such as payroll, cashier’s service, settlement of accounts in Gong Hu, financial management and so on.

　　"Minsheng Bank is a witness to every step of my development." Mr. Chen said.

　　In 2018, the competition in the transportation industry became increasingly fierce, and Mr. Chen’s business development entered a bottleneck period. After constant thinking and discussion, Mr. Chen decided to find another way, expand the business scope and increase the cement sales and trade business.

　　"The office space needs to be expanded, the number of business personnel needs to be increased, and the cost of cement agents is not low … all these costs money." Mr. Chen took the initiative to contact Li Yiyang, the account manager, and asked him about the loan business. "If you have any financial problems, it is right to find Minsheng Bank." The account manager handled a mortgage loan of 2 million yuan for Mr. Chen, and Mr. Chen won a cement agent in Quanzhou, rented a new office space, recruited and recruited, and his business was revitalized.

　　In 2021, Mr. Chen’s transportation and cement trade suffered a big impact, and he faced the problem of loan repayment and renewal. Li Yiyang, the account manager, sent care to Mr. Chen by phone and WeChat at the first time to keep abreast of the difficulties and financial service needs of customers, and told them that they could enjoy a series of policies such as delaying repayment of principal and interest, overdue credit protection, and remote video interview, so as to help customers with repayment difficulties affected by the epidemic reduce the pressure of capital turnover and tide over the difficulties.

　　"In difficult times, Minsheng Bank took the initiative to cut interest rates for me, and reduced payment and settlement fees, and their small and micro red envelopes saved a lot of interest …" Mr. Chen was very appreciative of Minsheng Bank’s policies and services of caring for enterprises.

　　"The icing on the cake is easy, but it’s hard to help in the snow. For so many years, Minsheng Bank is like an old friend around me, reliable and caring. "

　　People’s livelihood is no small matter, and branches and leaves are always related to love. Like Mr. Chen, many small and micro enterprises in Quanzhou got their first loan from Minsheng Bank. The account manager of Minsheng Bank has always been eager to go back and forth in wholesale markets and business districts, visiting merchants one by one, collecting materials, recommending simple and convenient loans, settlement and other products to customers, and solving the financing problem of small and micro enterprises.

　　In the past 15 years, Quanzhou Branch of Minsheng Bank has always adhered to the initial intention of "helping every small and micro dream", regarded every small and micro customer’s business as the cause of Minsheng Bank, and continued to go deep into major business circle markets, business associations, parks and communities, and shared prosperity and common growth with small and micro customers, and gradually started the golden signboard of micro finance in the market.

　　■ New model of micro-service

　　"Intellectual property" becomes "asset"

　　"Spark Loan" Helps Specialization and Innovation

　　"I didn’t expect that intellectual property rights can help us solve big problems. This tailor-made financing service is too timely!" The relevant person in charge of a pharmaceutical company in Hefei said.

　　A few days ago, Minsheng Bank Hefei Branch issued a working capital loan of 7 million yuan to the pharmaceutical company, which was the first innovative product "Spark Loan" officially launched by the bank.

　　According to reports, "Spark Loan" is a financing product system launched by Minsheng Bank for small and micro enterprises in strategic emerging industries and modern service industries, including talent loans, intellectual property loans, credit loans, secured loans and equity pledge loans. The loan issued this time is a "Spark Loan" product with "intellectual property rights" as the pledge.

　　It is understood that the pharmaceutical company is a high-tech enterprise integrating new drug research and development and drug production. It has a number of intellectual property patents and drug production approvals, and has been selected into the national centralized drug procurement memorandum. At present, the enterprise is actively expanding its raw material production base, and it is urgent to expand its working capital for operating turnover in a special period.

　　Through daily visits, Hefei Branch of Minsheng Bank learned about the financing needs of the enterprise and recommended innovative products of intellectual property pledge of "Spark Loan" to the enterprise. In order to help enterprises operate normally, the bank has customized professional financing schemes for enterprises by taking the behavior service position of Luyang Branch in Hefei as an example.

　　In recent years, Anhui has cultivated a number of leading enterprises and advantageous enterprises with characteristics, competitiveness and high growth in the field of "specialization and novelty". The exclusive product of "Spark Guaranteed Loan" innovatively launched by Hefei Branch of Minsheng Bank further enhances the availability and convenience of "specialized and innovative" corporate loans.

　　"During that time, I couldn’t come back from a business trip in Hong Kong, and enterprises needed capital turnover urgently. Fortunately, Minsheng Bank found a way." A few days ago, a person in charge of a data technology company in Anhui came to Xuancheng Branch of Minsheng Bank and sent a sincere thank-you letter to express Minsheng Bank’s strong support and help to the enterprise in production, operation, construction and development.

　　Anhui Data Technology Co., Ltd. is a provincial-level high-tech, specialized and innovative enterprise engaged in satellite remote sensing big data application and high-precision map production. In order to expand the business scope, enterprises urgently need funds to build a satellite resource application center. Through the early service docking, after understanding the financing needs of enterprises, Xuancheng Branch of Minsheng Bank took the initiative to contact enterprises, and immediately set up an agile team to provide on-site services for many times. After clearly knowing the business model and financial arrangement of the enterprise, the bank recommended the innovative product "Spark Guaranteed Loan" of Minsheng Bank to the enterprise, and customized the exclusive financing plan for the enterprise.

　　"Most small and medium-sized science and technology enterprises are faced with less physical assets, leased business premises and complicated ownership structure, which makes it difficult and low in general bank financing. Minsheng Bank has increased financial services and product innovation around the pain points and difficulties of enterprises in financing." The relevant person in charge of Xuancheng Branch of Minsheng Bank analyzed, "Spark Guaranteed Loan is a special product for high-tech enterprises and small and medium-sized science and technology enterprises. It mainly provides comprehensive credit by considering the actual operation, research and development capabilities and upstream and downstream cooperation of enterprises, and does not need to mortgage assets. It has the characteristics of large amount, low interest rate and flexible guarantee method."

　　In order to serve the enterprise better and faster, Xuancheng Branch of Minsheng Bank actively cooperated with the enterprise, and with the strong support of Anhui Science and Technology Financing Guarantee Company and Xuancheng Economic Development Zone Financial Office, carefully sorted out the logical relationship between the guarantee policy and enterprise operation, provided the required materials in time, and successfully obtained the authorization of the guarantee company and the recommendation letter from the Economic Development Zone Financial Office. The bank’s reviewers cooperated with the managers to scientifically grasp the pace of business handling, and promoted the pre-loan investigation, material collection and investigation report simultaneously and efficiently. In the final withdrawal stage, faced with the complicated situation that the enterprise entity is in Xuancheng, the actual controller is in Hong Kong, the notary office and the guarantee company are in Hefei, Xuancheng Branch of Minsheng Bank rushed to government departments, guarantee companies and enterprises for discussion and communication several times, and finally finalized the comprehensive implementation plan, which effectively solved the problems of face-to-face contract signing and signing the guarantee company, and enabled enterprises to get 5 million yuan of working capital as scheduled.

　　5 million yuan "timely rain" is like "reassuring" and "cardiotonic", watering the flowers of scientific and technological innovation and enterprise development. It is reported that this innovative financing has overcome various difficulties and finally landed successfully after receiving successful loans from banks and enterprises.

　　Science and technology are the foundation of national prosperity, and innovation is the soul of national progress. As a pioneer, pioneer and devotee in the field of financial services for small and micro enterprises, Minsheng Bank will persist in innovation and exploration in the process of reform and transformation, and will continue to turn its innovation achievements into assistance to the real economy, and will continue to pay attention to key areas and the development of small and medium-sized enterprises with science and technology.

　　■ Talking about the experience of small and micro services

　　Li Si:

　　Service is only "fast" and not broken.

　　"The problem that can be solved in one trip will never let the customer run twice, and the thing that can be solved in one day will never let the customer wait for two days. I will save the time cost of the enterprise as much as possible." Li Sizhen, manager of small and micro customers of Chongqing Branch of Minsheng Bank, said that besides diligence and professionalism, efficient and high-quality service is the "secret" for her to win the trust of small and micro enterprises.

　　Sister Hu, who runs the wholesale business of frozen products, expects that the price of frozen products will reach a low point in the near future, so she wants to prepare more goods, but her liquidity is not sufficient. She wants to borrow money and is worried that the process is cumbersome, which leads to missing the best order time, so she has been very entangled. After learning about the situation, Li Sijing gave Hu Jie an idea: "You only need to judge the profit margin of this stocking. Wouldn’t it be a pity if you see that the market is right and don’t follow the trend? Our Minsheng Bank is to provide you with financial convenience and hope to do better and better with you! "

　　With the help of Li Sijing, Hu Jie made a rational analysis and finally decided to apply for Minsheng Bank Credit Easy Loan, which won timely liquidity support. Later, Sister Hu said to everyone: "Minsheng Bank lent money quickly, the money came at the right time, and the order price was just the lowest point. Fortunately, I didn’t miss this opportunity!"

　　"If it takes 5 days for a business to go through the process normally, and you use it for 4 days, customers will feel ok, no different from other banks; If you use it for 3 days, customers will be surprised and feel that their own affairs have been taken seriously; If you use it for 2 days, the customer will be very grateful to you and feel that you are really trying to help him solve the problem; If it takes only one day to get it done, customers will feel that you are a trustworthy friend from the bottom of their hearts. So efficiency is very important. " Li Sizhen said.

　　It is also very important to "fully understand the customer". In addition to phone calls and text messages, WeChat friends circle is a window for Li Sizhen to communicate with customers. In this window, Li Sizhen believes that she can not only be closer to customers’ lives, but also better grasp opportunities.

　　"Always mention business with customers, with a strong purpose, but it is counterproductive. I don’t want to be just a cold and prim account manager in the hearts of customers. I hope that I am a living and warm Chongqing girl in front of them. " Li Sizhen said.

　　Mr. Lin runs a building materials company in Chongqing. Li Sijing learned from the exchange that he has been relatively abundant in funds and has no plans to borrow money for the time being, so he has been communicating as a friend and has no business dealings.

　　"Mr. Lin likes to share photos of his fitness in the circle of friends. I often like it and occasionally discuss ways to lose weight." Li Sizhen said that after a long time, after the two became acquainted, Li Sizhen learned that Mr. Lin’s father was old and changed the company legal person to Mr. Lin. At the same time, he also wanted to change the collection code. At that time, Mr. Lin happened to see Li Sizhen interacting in the circle of friends, so he took the initiative to ask. After communication, Li Sizhen immediately contacted the docking person of the acquiring business for Mr. Lin and collected the settlement of the enterprise in Minsheng Bank.

　　"Managing customers is really a very long-term process, and we must be prepared for a long-term war." Li Sijing understands the vigilance and hesitation of customers, and she will convey her sincerity to customers with practical actions.

　　Mr. Wu runs a food company and has loan cooperation with many banks. When Li Sijing visited, he complained that his account manager was too mobile, and he didn’t have any bank friends who he trusted particularly. Usually, he was recommended by his partners for business. In July 7788, he added a bunch of staff WeChat, and sometimes he couldn’t tell who was in charge of which business.

　　In the contact with Mr. Wu, Li Sijing gradually understood his personality, true temperament, and also loved to share and be lively. "In fact, such a customer is really of high quality. Once he decides that you will not change easily." Therefore, in the following months, every holiday and customer’s birthday, Li Sijing will take pains to prepare a blessing; If you happen to be near Mr. Wu’s company, everyone will go up and have a chat to deepen mutual understanding. Later, Mr. Wu was moved by Li Sijing’s sincerity. Not only did he hand over his business to Minsheng Bank, but he also took the initiative to introduce many partners and friends of the Chamber of Commerce who had financial needs to Li Sijing.

　　"As a front-line account manager, you must learn to be a conscientious person." Li Sijing believes that managing customers is like starting a journey. Every site has people going up and down. Some customers only sit for a few stops, and some customers will stay with them for many years. But no matter which customer, what Li Sijing will do is to listen, what the customer is worried about, what the customer is hesitating about, and what the customer has problems. Then, on the basis of full understanding, he will use his professional knowledge to enter the customer’s heart with sincerity. It is the active empathy again and again, the warm greetings again and again, and the unexpected surprises one after another that make Li Sizhen more and more practical on the road of microfinance.

　　Yu Huawen:

　　Empathy service has more temperature.

　　Not visiting the enterprise, but on the way to visit the enterprise-this is a true portrayal of Yu Huawen’s work. Since joining the micro-finance team of Minsheng Bank Shenyang Branch in 2021, Yu Huawen has taken "providing modern financial services for small and micro enterprises" as his mission, treating customers as friends and partners, anxious about the urgent needs of enterprises and solving the difficulties of enterprises.

　　A main medical device enterprise is affected by the longer payment period, and its liquidity is seriously affected. At the same time, the enterprise needs funds to expand its production scale. In the first time to understand the needs of enterprises, Yu Huawen acted quickly and actively communicated. It took only five working days from data collection to loan, which eased the urgent needs of enterprises and won high praise from customers.

　　In order to meet the demand for credit funds of small and micro customers as soon as possible, Yu Huawen often works overtime and continuously. When the workload is heavy, he visits customers and inspects the market during the day, and rushes back to the unit to write reports and sort out credit materials at night, in order to solve the problem of enterprise funds early and meet the timeliness requirements of small and micro enterprises’ production and operation.

　　"To serve small and micro enterprises well, we must learn to empathize, understand their pain points and difficulties, and make good use of the policies of the government and banks to support the development of small and micro enterprises, so that enterprises can truly feel the temperature of Minsheng Bank’s services." Yu Huawen said.

　　In order to support the healthy development of small and micro enterprises, the Shenyang Municipal Government launched the business guarantee loan policy. Yu Huawen carefully studied the policy, and cooperated with bookkeeping companies. Many policy publicity activities were organized for small and micro enterprises to publicize the inclusive finance concept of Minsheng Bank, explain the discount conditions of business guarantee loans, and actively assist qualified customers to handle the discount procedures, so that many enterprises enjoyed interest-free financing services in the first year.

　　"To serve small and micro enterprises well, we must strive to become a comprehensive financial service steward of small and micro enterprises, and meet customer needs with professional products and sincere services." Yu Huawen said that in the process of many years of micro-financial services, he has come hand in hand with many enterprises, and it is almost the reality of all small and micro customers.

　　Mr. Li was introduced by another customer. From consulting loan business, he and Yu Huawen got to know each other and became friends gradually. With the support of Minsheng Bank, Mr. Li has grown from a small business owner with only a few employees at first to a private entrepreneur with more than 100 employees now, and from a single entrepreneur to a pillar of a family of four. With the growth of enterprises and the formation of families, the services provided by Minsheng Bank to Mr. Li have gradually enriched from the initial small and micro enterprise loans to a comprehensive service plan of "enterprise financing+employee generation+family wealth management". Yu Huawen and the financial manager have formed a professional service team, providing a package of services such as corporate tax preference, cash management, family wealth planning and children’s education. By exporting comprehensive financial services such as loans, settlement, comprehensive financial management and financial planning for enterprises, Yu Huawen has gained high recognition from enterprises.

　　◆ On March 6, 2022, General Secretary of the Supreme Leader visited the members of the agricultural sector, social welfare and social security sector who attended the Fifth Session of the 13th Chinese People’s Political Consultative Conference, and participated in the joint meeting to listen to opinions and suggestions. He stressed that it is necessary to continue to exert efforts to promote the high-quality development of social security, weave a social security safety net, and ensure the well-being of the people.

　　◆ China has basically established a fully functional social security system with social insurance as the main body, including social assistance, social welfare and social preferential treatment. The basic medical insurance covers 1.36 billion people, the basic old-age insurance covers 1.03 billion people and the industrial injury insurance covers 280 million people, making it the largest social security system in the world.

　　◆ China has completed the course that many western countries have gone through for more than 100 years in decades, and successfully built a social security system with distinctive China characteristics.

　　◆ In 2013, 27-year-old Jin Rainbow came here and became a grassroots labor security assistant. After more than two years, she went over mountains and went door to door to visit and preach, and the participation rate of endowment insurance in Lianghekou Town also increased from 66% to 100%

　　◆ The number of people participating in basic old-age insurance, unemployment insurance and industrial injury insurance in China increased from 788 million, 152 million and 190 million at the end of 2012 to 1.03 billion, 230 million and 280 million at the end of March 2022, respectively.

　　◆ By the end of April, 2022, 57,300 designated medical institutions connected to the Internet were directly settled across provinces, 61,000 designated medical institutions connected to the Internet and 127,300 retail pharmacies were directly settled across provinces.

　　◆ "In the past, I could only go back to my hometown to participate in the old-age insurance for urban and rural residents. Now I can participate in the basic old-age insurance and basic medical insurance for enterprise employees in Shenzhen in my personal capacity. The treatment is higher and more in line with the actual needs. I am ready to participate in the insurance."

　　◆ Insist on doing our best and doing what we can, continuously improve the level of social security on the basis of sustainable economic and financial growth, and promote the high-quality and sustainable development of China’s social security cause.

　　Everything is long, and people’s livelihood is great.

　　Social security is the basic institutional guarantee to protect and improve people’s livelihood, safeguard social equity and enhance people’s well-being, and it is also an important institutional arrangement to promote economic and social development and realize that the broad masses of the people share the fruits of reform and development.

　　Since the 18th National Congress of the Communist Party of China, the CPC Central Committee with the Supreme Leader as the core has taken universal coverage of social security as the goal of building a well-off society in an all-round way, put the construction of social security system in a more prominent position, adhered to full coverage, guaranteed basic, multi-level and sustainable, made a series of major decisions and arrangements, and pushed the construction of China’s social security system into the fast lane.

　　China has basically established a fully functional social security system with social insurance as the main body, including social assistance, social welfare and social preferential treatment. The basic medical insurance covers 1.36 billion people, the basic old-age insurance covers 1.03 billion people and the industrial injury insurance covers 280 million people, making it the largest social security system in the world. This provides a more reliable and sufficient guarantee for the broad masses of the people and provides favorable conditions for building a well-off society in an all-round way as scheduled.

　　On March 6, 2022, General Secretary of the Supreme Leader visited the members of the agricultural sector, social welfare and social security sector who attended the Fifth Session of the 13th Chinese People’s Political Consultative Conference, and participated in the joint meeting to listen to opinions and suggestions. He stressed that it is necessary to continue to exert efforts to promote the high-quality development of social security, weave a social security safety net, and ensure the well-being of the people.

　　"The General Secretary of the Supreme Leader attaches great importance to the construction of the social security system, further clarifies the significance of social security and points out the next direction for us." Mo Rong, president of the Chinese Academy of Labor and Social Security, said.

　　On May 12, 2022, the nurse of the Second Affiliated Hospital of Southern Medical University comforted the little patient Ji Chunpeng who was preparing for the examination.

　　The social security system has distinctive features.

　　Since the 18th National Congress of the Communist Party of China, China’s social security system has entered a period of the greatest reform, the fastest development and the widest coverage.

　　China has completed the course that many western countries have gone through for more than 100 years in decades, and successfully built a social security system with distinctive China characteristics. The International Social Security Association awarded the "Outstanding Achievement Award of Social Security" to the government of China, and spoke highly of China’s great achievements in expanding the coverage of social security.

　　Institutional reform has been deepened. Since the 18th National Congress of the Communist Party of China, the Politburo meeting of the Chinese Communist Party and The Politburo Standing Committee (PSC) Conferences, the Central Committee for Comprehensively Deepening Reform and other conferences have repeatedly studied and deliberated the overall plan for reforming and improving the basic old-age insurance system and the opinions on deepening the reform of the medical security system, and made a top-level design for the construction of China’s social security system, with a series of major reforms progressing steadily and in depth — —

　　Unify the old-age insurance system for urban and rural residents, realize the integration of the old-age insurance system for government agencies, institutions and enterprises, and form two institutional platforms for employee pension and resident pension, filling the institutional gap of some groups lacking protection;

　　Integrate the basic medical insurance system for urban and rural residents, fully implement the serious illness insurance for urban and rural residents, set up the national medical insurance bureau, and jointly promote the "three medical linkages";

　　Establish and improve the central adjustment system of the basic old-age insurance fund for enterprise employees, balance the structural contradictions among provinces, and ease the pressure of fund payment in the central and western regions and old industrial bases;

　　Unifying the unit rate of old-age insurance and fully realizing the provincial-level co-ordination of old-age insurance have created conditions for mutual assistance in a wider scope and laid the foundation for the implementation of national co-ordination;

　　The construction of the trinity system of prevention, rehabilitation and compensation of industrial injury insurance has been actively promoted, and the functions of unemployment insurance to protect life, prevent unemployment and promote employment have been further highlighted … …

　　"The design of the social security system has been continuously improved, and the systematicness, integrity and synergy of the reform have been further enhanced. The people, regardless of urban and rural areas, regions, gender and occupations, have corresponding institutional guarantees in the face of risks such as old age, illness, unemployment, work injury, disability and poverty." Chu Fuling, director of the Social Security Research Center of the Central University of Finance and Economics, said.

　　Weave the world’s largest social security network. Xiaojin County, Aba Prefecture, Sichuan Province was once a national poverty-stricken county, and Lianghekou Town is one of the most remote towns in Xiaojin County. In 2013, 27-year-old Jin Rainbow came here and became a grassroots labor security assistant. In the following two years, she went over the mountains and went door to door to visit and preach, and the participation rate of endowment insurance in Lianghekou Town also increased from 66% to 100%.

　　Since the 18th National Congress of the Communist Party of China, around the goal of universal coverage and social security for all, China has vigorously implemented the universal enrollment plan and accurately promoted the enrollment of key groups. Thanks to the joint efforts of countless grassroots workers like Jin Rainbow, China has established the social security system with the largest number of people in the world, and established a national insurance database covering 1.39 billion people.

　　The number of people participating in basic old-age insurance, unemployment insurance and industrial injury insurance in China increased from 788 million, 152 million and 190 million at the end of 2012 to 1.03 billion, 230 million and 280 million at the end of March 2022, respectively. Nearly 100 million poor people have access to basic medical care, and 60.98 million poor people who have set up files and established cards have participated in basic old-age insurance, and the participation rate has stabilized at over 99.99%, basically achieving all the insurance coverage.

　　In Fishery Village, Chenxi County, Huaihua City, Hunan Province, all 148 villagers who used to make a living by fishing went ashore. Lv Jinzhen, a 75-year-old fisherman, can now get a monthly pension of 1,680 yuan and enjoy medical insurance benefits.

　　In recent years, the relevant departments have done a good job in the old-age insurance for fishermen who have been retired from the Yangtze River and landless farmers, and continued to promote the full coverage of basic medical care and old-age insurance. About 172,000 fishermen who have been retired from key waters have participated in the basic old-age insurance, promoting the coverage of this world’s largest social security network. Continue to expand.

　　The support capacity has been significantly improved. Since the 18th National Congress of the Communist Party of China, the income and expenditure scale of China’s social security fund has been increasing, and the fund’s support and guarantee capacity has been significantly improved.

　　In 2021, the total income and expenditure of China’s basic medical insurance fund (including maternity insurance) were 2.87 trillion yuan and 2.4 trillion yuan respectively. By the end of 2021, the accumulated balance was 3.61 trillion yuan, benefiting more than 4 billion people to seek medical treatment, which played an important role in solving the problem of difficult and expensive medical treatment for the masses, supporting the development of medical and health undertakings, maintaining social stability and promoting common prosperity.

　　By the end of March 2022, the accumulated balance of three social insurance funds, namely basic pension, unemployment and work injury, was 7.18 trillion yuan, and the fund operation was generally stable. Steadily carry out the investment and operation of the basic old-age insurance fund. By the end of 2021, the entrusted contract scale of the pension fund exceeded 1.5 trillion yuan, the annual investment income was more than 63 billion yuan, and the accumulated investment income was more than 260 billion yuan, with an average annual investment return rate close to 6.5%, which promoted the preservation and appreciation of the fund on the premise of ensuring safety.

　　In response to the aging population, China has continuously increased the strategic reserve of the national social security fund. At present, the fund’s rights and interests are about 2.5 trillion yuan, and the total state-owned capital of central enterprises and central financial institutions has been transferred to 1.68 trillion yuan.

　　In response to the COVID-19 epidemic examination, the medical insurance fund pre-allocated special funds exceeding 20 billion yuan, to ensure that patients are not affected by the cost problem, to ensure that hospitals are not affected by the payment policy, to quickly raise and pre-allocate funds for vaccine procurement, and to vaccinate more than 3.4 billion doses.

　　The system is becoming more and more perfect, the fund runs smoothly, and the system is safe and sustainable. In the past ten years, China’s social security system has been more emboldened to meet the challenges and has a stronger ability to resist risks.

　　Mujintu/Journal

　　Social security stabilizer continues to exert its strength.

　　Social security is a "safety net" and a "stabilizer", which is closely related to people’s happiness and well-being.

　　Since the 18th National Congress of the Communist Party of China, under the strong leadership of the CPC Central Committee with the Supreme Leader as the core, the level of various insurance benefits in China has been steadily improved, and the quality of service has been continuously improved, so that more people can get a sense of security, medical care and help, and play an important role in safeguarding and improving people’s livelihood.

　　Social security benefits have been steadily improved. "It will be issued on time every month, and it will increase by a hundred dollars every year." Speaking of pensions, Hui Dezhang, a retired worker from Xuancheng Building Materials Corporation, Anhui Province, is very satisfied. The old man retired in 1999 and got 399 yuan a month. Now his monthly pension has risen to 3,265 yuan, and it will rise by more than 100 yuan this year.

　　In the past ten years, China has kept the level of social security in line with economic development and steadily improved the level of various social security benefits.

　　The basic pension for retirees has been raised year after year — — The monthly per capita pension of enterprise employees increased from 1686 yuan in 2012 to 2987 yuan in 2021, benefiting more than 130 million retirees.

　　In 2022, the central government has raised the minimum standard of basic pensions for urban and rural residents four times, and all provinces have raised local basic pensions on this basis. In the first half of 2022, 12 provinces have decided to raise local basic pensions. The level of unemployment and work-related injury insurance benefits has steadily improved, and the national average monthly unemployment insurance premium level has increased from 707 yuan in 2012 to 1585 yuan in 2021.

　　The proportion of medical insurance reimbursement continues to increase — — Within the scope of employee medical insurance and residents’ medical insurance policies, the proportion of hospitalization expenses paid is about 80% and 70% respectively. The per capita financial subsidy standard of residents’ medical insurance has been raised from 240 yuan to 610 yuan, benefiting 1 billion urban and rural residents.

　　The people’s medical burden has dropped historically. The state has concentrated on purchasing 6 batches of 234 kinds of drugs with an average price reduction of 53%, and concentrated on purchasing 2 batches of consumables with an average price reduction of over 80%, thus reducing the drug consumption burden by over 500 billion yuan.

　　The bottom guarantee is solid and powerful. Wang Jingjiang, a villager in Dagao Village, Suixi County, Anhui Province, was poor due to illness, and the government paid the old-age insurance premium and arranged public welfare posts for him. "Now I have not only got rid of poverty, but also contracted 30 mu of land in the village, and my life is getting better and better." Wang Jingjiang said.

　　Since the 18th National Congress of the Communist Party of China, relevant departments have paid pension and medical insurance premiums for needy groups, given appropriate priority to poor people in all aspects of social security implementation, such as pension, medical care, work injury, maternity and unemployment, and ensured that all the urban and rural minimum living allowances, people with special difficulties and low-income families should be guaranteed and rescued, and the social security network became stronger and stronger.

　　From 2017 to 2020 alone, the state paid 12.9 billion yuan to urban and rural residents for 119 million person-times. By the end of 2020, a total of 60.98 million poverty-stricken people with established files will participate in the old-age insurance, and 30.14 million poor elderly people will enjoy the old-age insurance benefits for urban and rural residents.

　　Nearly 100 million poor people have achieved basic medical care, and nearly 10 million poor households have achieved accurate poverty alleviation due to illness. After the overall victory in helping the fight against poverty, the protection for those in need is undiminished. In 2021, the state paid 2.68 billion yuan of old-age insurance premiums for urban and rural residents for 23.54 million needy people.

　　"The CPC Central Committee with the Supreme Leader as the core adheres to the people’s supremacy and common prosperity, and regards improving people’s livelihood and welfare and promoting social equity as the fundamental starting point and foothold of developing social security, so that the fruits of reform and development will benefit all people more fairly." Zheng Gongcheng, president of China Social Security Society, said.

　　Service optimization is convenient and efficient. Apply for medical insurance card, cross-provincial medical record, medical insurance reimbursement, and receive unemployment insurance benefits … … Nowadays, more and more social security services can be handled at the "doorstep". Social security affairs that originally required "two places to run" can also be done across regions.

　　Rong Jingfeng, a villager who got rid of poverty in Fengjiadong Village, Shanying Town, Anyang City, Henan Province, has a personal experience: "I am inconvenient to move, and my son suffers from uremia. In the past, I asked the village cadres to drive us to the district medical insurance center to apply for medical insurance reimbursement and medical assistance. Now, you can do it without leaving the village. "

　　By the end of April, 2022, 57,300 designated medical institutions were directly settled across provinces, 61,000 designated medical institutions were directly settled across provinces, and 127,300 retail pharmacies were directly settled across provinces.

　　In addition to doing it nearby and across regions, it can also be done online. After Liu Lingzhi, a retiree from Shijiazhuang, Hebei Province, applied for an electronic social security card, he can scan the code to buy medicines in some pharmacies, and the medical insurance card records and pension payment can be checked online.

　　The number of social security card holders in China has increased from 341 million at the end of 2012 to 1.355 billion. Among them, the total number of applications for electronic social security cards has exceeded 540 million, and 43 businesses, such as receiving pension qualification certification, have achieved "one network" nationwide.

　　Reducing burdens and stabilizing posts to help enterprises develop. Chongqing Jiayang Taxi Co., Ltd. received a stable return fund of 220,000 yuan. Affected by the epidemic, the income of this enterprise with more than 900 employees has decreased significantly. "The support of the government’s real money is conducive to the stable employment of enterprises." Wang Qing, head of the company, said.

　　Since the outbreak of COVID-19, China has implemented an unprecedented combination of "reducing, delaying, returning and supplementing" policies, that is, continuing to reduce unemployment and work-related injury insurance rates by stages, allowing three social insurance premiums to be postponed by stages according to regulations, improving the standard of returning unemployment insurance to qualified enterprises, making efforts to implement social security subsidies, training subsidies, etc., and making efforts to reduce burdens and relieve difficulties for enterprises, and stabilize and expand their posts.

　　For the unemployed, on the basis of regular payment of living allowance and raising the standard of unemployment insurance, we will implement the policy of expanding the coverage of unemployment insurance, so as to maximize the coverage. From January to May this year, 33.4 billion yuan of unemployment insurance benefits has been distributed to more than 5.6 million insured unemployed people.

　　In 2020, the three social insurances of pension, unemployment and work injury will reduce the burden on enterprises by 1.54 trillion yuan, accounting for 2/3 of the total amount of tax reduction and fee reduction. In 2021, unemployment and work-related injury insurance premiums will be reduced by over 150 billion yuan, unemployment insurance benefits will be paid 102.85 billion yuan, and unemployment insurance will be returned to 23.1 billion yuan. "In 2022, various social security policies are expected to release a policy dividend of 450 billion yuan." Yu Jiadong, Vice Minister of Ministry of Human Resources and Social Security, said.

　　On June 15, 2022, villagers in Buxia Village, Nanma Street, Yiyuan County, Shandong Province rested in the activity square of Minsheng Complex. Since 2021, Yiyuan County has built a multi-in-one people’s livelihood complex with elderly canteens, public bathrooms, central village clinics (convenience pharmacies) and convenience supermarkets as the main bodies, supplemented by other service functions. Photo by Zhu Zheng/This magazine

　　High-quality development of social security

　　There is no end to safeguarding and improving people’s livelihood, only a continuous new starting point.

　　The Fifth Plenary Session of the 19th CPC Central Committee defined the objectives and tasks of improving the multi-level social security system, and the "14th Five-Year Plan" and the long-term goal outline for 2035 drew a blueprint for the future development of China’s social security. In accordance with the planning and deployment, we will continue to deepen reform, strengthen the construction of social security system, persist in doing our best and do what we can, continuously improve the level of social security on the basis of sustainable economic and financial growth, and promote the high-quality and sustainable development of China’s social security cause.

　　Deepen reform and continuously improve the institutional system. Reform and innovation is an inevitable requirement to promote the social security system to be more mature and stereotyped.

　　In April, 2022, the Opinions of the General Office of the State Council on Promoting the Development of Personal Pension was published, and the long-awaited personal pension system was officially released, which will effectively supplement the basic old-age insurance.

　　From January 1, 2022, the basic old-age insurance for enterprise employees was implemented nationwide as a whole. Qi Tao, deputy director of the Department of Endowment Insurance in Ministry of Human Resources and Social Security, said that after the implementation of the national overall planning system, the current surplus and deficiency of inter-regional endowment insurance funds will be adjusted nationwide to ensure that pensions are paid in full and on time, which will solve the structural contradiction of the funds in the system and make the payment of pensions in difficult areas more secure.

　　Accelerate the promotion of provincial-level co-ordination of industrial injury and unemployment insurance, and improve the mutual assistance ability of funds; Continue to expand the scope of mutual assistance and mutual aid of medical insurance funds, and fully realize the unification of systems and policies in the city and prefecture-level overall planning areas; Focus on guiding provinces with good basic conditions to promote provincial-level overall planning of medical insurance; According to the principles of small-step adjustment, flexible implementation, classified promotion and overall consideration, we will actively and steadily promote the gradual delay of the statutory retirement age … … A series of reforms, focusing on the hard bones that restrict the construction of social security system and aiming at breaking the imbalance between regions and the structural contradictions of funds, are being promoted to deep water areas.

　　"The reform of the social security system has entered the stage of system integration, coordination and high efficiency. We must adhere to the unity and standardization of the system, adhere to the problem orientation, accurately grasp the links between reforms in all aspects of social security, social security fields and other related fields, improve overall planning and coordination, promote the legalization of social security, and ensure that all reforms form an overall synergy." Mo Rong said.

　　Highlight key points and strive to achieve universal coverage. In November, 2021, Shenzhen completely abolished the household registration restrictions for flexible employees, which encouraged Liu Xin, a Henan takeaway rider: "In the past, I could only go back to my hometown to participate in the old-age insurance for urban and rural residents, but now I can participate in the basic old-age insurance and basic medical insurance for enterprise employees in Shenzhen in my personal capacity. The treatment is higher and more in line with the actual needs. I am going to participate in the insurance."

　　"Full coverage" means that all residents can participate in the corresponding social insurance and get basic security according to their own conditions, which is one of the basic policies for the construction of China’s social security system.

　　In January 2022, Ministry of Human Resources and Social Security issued the Notice on Launching the Pilot Work of Occupational Injury Protection for Employees with New Employment Forms, and launched the pilot work of occupational injury protection for employees with new employment forms in seven provinces such as Beijing and Hainan, and seven Internet platform enterprises in the fields of travel, take-away and instant delivery, so that take-away riders and online car drivers can enjoy basically the same protection treatment as industrial injury insurance.

　　In addition, accurately implement the national insurance plan, improve the social insurance system for migrant workers, flexible employees and new employees, and promote the widest coverage; Promote small and medium-sized enterprises and key groups to actively participate in insurance and continue to pay fees, and guide more people to participate in insurance for a long time … … A series of measures have brought more people into the social security system, and the construction of a fairer and more sustainable social security system in China has been continuously promoted.

　　Strengthen supervision and keep "pension money" and "life-saving money". Perfecting the supervision system of social security funds in accordance with the law, preventing and resolving fund operation risks and maintaining fund safety are related to every "pension money", "life-saving money" and every "rescue money" and "charity money" of the people.

　　On May 1, 2021, the first medical insurance administrative regulation "Regulations on the Supervision and Management of the Use of Medical Insurance Funds" came into effect, aiming at solving the problems in the supervision and management of the use of medical insurance funds by means of the rule of law and becoming an effective attempt to improve the standardization, standardization and legalization of administrative law enforcement. In less than a year, the new version of "Administrative Supervision Measures for Social Insurance Funds" was promulgated and implemented, focusing on the main risks and key links in the management of social insurance funds, and refining all kinds of fraudulent insurance situations and related legal responsibilities.

　　Since 2018, the medical insurance fund has been fully inspected for three consecutive years and specially rectified for four consecutive years. The cumulative inspection of designated medical institutions has exceeded 2.4 million times, handling nearly 1.15 million times, exposing 120,000 cases, and recovering funds of 58.3 billion yuan. The crackdown is unprecedented. In 2021, the Ministry of Human Resources and Social Security organized a special rectification of the management of social security funds throughout the system, focusing on the problems of internal personnel taking embezzlement and misappropriation of social security funds and external personnel defrauding insurance and taking more money, playing a series of combination punches, organizing on-site inspections in 27 provinces, and seriously investigating violations of laws and regulations that encroach on funds with a "zero tolerance" attitude.

　　On a new journey, social security work will adhere to the people-centered development idea, promote high-quality and sustainable development of social security with greater reform courage and more positive enterprising spirit, continuously enhance people’s sense of acquisition, happiness and security, and lay a solid foundation for people to create a better life.

　　Text | "Outlook" Newsweek reporter Jiang Lin published in the 28th issue of "Outlook" in 2022.

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On November 3rd, Hangzhou Municipal Market Supervision Administration, Hangzhou Health Comprehensive Administrative Law Enforcement Team, China Plastic Surgery Association, Zhejiang Plastic Surgery Industry Association, Alibaba Consumer Medical Industry, etc. jointly held a forum on standardized development of medical beauty medical industry and a conference on "Beauty without Worry" standard in Hangzhou.

The picture shows the conference site.

Guided by the Law Enforcement Guide for Medical Beauty Advertisements just issued by the State Administration of Market Supervision, the meeting discussed how to strictly examine the qualifications of institutions, doctors and services from the perspectives of regulatory authorities, consumption platforms, institutions and manufacturers, and launched the "worry-free beauty" standard, with the aim of protecting users’ consumer rights and providing a worry-free medical beauty consumption experience.

This is the first practical action jointly initiated by local market supervision authorities, associations, platforms, equipment manufacturers and medical beauty institutions to establish industry standards after the official release of the Law Enforcement Guide for Medical Beauty Advertising on November 1.

At the meeting, Zhang Bin, president of China Plastic Surgery Association, sent a video speech. Zhang Bin pointed out that the medical and beauty industry urgently needs to formulate, improve and implement various industry standards, rather than relying solely on administrative orders to restrict chaos. "Beauty Worry-Free" has established a system of standardized development and industry self-discipline online and offline, which is a positive promotion for the whole industry.

The picture shows the video speech of President Zhang Bin of China Plastic Surgery Association.

Zhao Qiming, President of Zhejiang Plastic Surgery Industry Association, advocated traditional medical treatment in internet plus from the work experience and achievements of industry norms, member self-discipline and guidelines, combined with the characteristics of the platform, and realized the new trend of 1+1>2 industry development.

Zhou Jie, Director of the Medical Device Supervision Department of Hangzhou Market Supervision, interprets the regulations on the supervision of medical and aesthetic medical devices, and at the same time puts forward requirements for the selection of "Beauty Worry-Free" institutions.

The picture shows Zhou Jie, the Medical Device Supervision Department of Hangzhou Market Supervision, interpreting relevant laws and regulations.

Xing Ye, the chief of Hangzhou Health Comprehensive Administrative Law Enforcement Team, pointed out that both the platform and the merchants should conform to the norms, and made rectification of medical beauty chaos and publicity of relevant laws and regulations from three aspects.

Sean, vice president of local life of Alibaba, said at the meeting that medical beauty has both medical and consumption attributes, and users are faced with more information asymmetry and don’t know how to choose. Alibaba’s local life strictly examines the qualifications and publicity content of medical beauty medical merchants. Since the beginning of this year, tens of thousands of illegal goods have been removed. Sean said that Alibaba, as a consumption platform, has the responsibility and obligation to push high-quality goods and services to users.

The picture shows Sean, vice president of local life of Alibaba.

It is reported that Alibaba platform will establish a daily communication mechanism with Hangzhou Municipal Market Supervision Administration, and regularly investigate and deal with the list of illegal medical and beauty institutions. In addition, the platform will also be connected with the information inquiry platform of medical and aesthetic institutions "Medical Ernest Major Inquiry" set up by Hangzhou Health and Health Commission, and users can directly inquire about the qualifications of medical and aesthetic institutions and doctors online.

Also attending the forum and conference were large medical and beauty institutions such as Meilai, Yixing, Hangzhou Victoria, Weilin and One Plus One, as well as famous medical and beauty brand manufacturers such as Feidun, Keyi, LG, Philoga, Huaxi Bio and Yifuquan.

The picture shows the launching ceremony of the US Worry-Free Standard.

It is reported that the worry-free standard of beauty is based on Alibaba platform, and strictly examines the qualifications of institutions, doctors and service guarantees from four aspects: "optimizing institutions, certified doctors, traceability of genuine products and service guarantee", thus enhancing and optimizing the medical beauty consumption experience of users. Worry-free standards include instruments/pharmaceutical purchase vouchers, doctors’ qualifications, offline performance services and other dimensions. Products that meet the standards will display the "Beauty without Worry" logo on Tmall Medical Beauty, Taobao and Hungry Medical Beauty Channel, so as to provide service guarantee for consumers to become beautiful, avoid the risk of "illegal medical cosmetology" and enjoy better service and health guarantee.

The picture shows the content of the worry-free standard.

At the same time, the platform also requires and supervises the settled merchants to sign a letter of commitment, promising that "consumers can’t be induced to over-treat medical beauty, and they can’t be forced to re-consume. Consumers can’t write it off until they arrive at the store. After-sales, they should be retired at any time, as well as medical beauty insurance customer service guarantee". According to the standard service process, users are guaranteed to serve in the hospital.

It is understood that the first batch of "beautiful worry-free" products have been launched in double 11. In the future, with the improvement of supply, all medical beauty promotion activities on the platform can only be entered by "beautiful and worry-free" products. (Ling Yan Yue Wen)

Fox doctor

The weather turned cold and the temperature plummeted, and the flu season is coming soon. While the global COVID-19 epidemic situation is still grim, this year’s flu season still needs to be focused on.

The stomach of a 25-year-old office worker is bulging, and it turns out to be cancer! On major media platforms, we can often see similar real cases. Stories that happen around us seem to remind us that more and more young people have been "entangled" by stomach cancer. Professor Bei Zhang explained the reasons.

Vaccination against influenza is the most effective means to prevent influenza. At this time, it is also the hot topic that people discuss the most. But when it comes to whether or not to get the flu vaccine, there are still many doubts, such as "Do you still have to get the flu vaccine after getting the COVID-19 vaccine?" "Why do you have to fight every year?" Wait a minute. In order to make more people have a clear understanding of influenza vaccine,Zheng Dongying, Deputy Chief Physician, Department of Prevention and Health Care, First Affiliated Hospital of Tsinghua UniversityThree key questions are summarized and answered in detail.

Do you still need to get the flu vaccine after COVID-19 vaccination? 　

COVID-19 vaccine and influenza vaccine prevent diseases caused by two different viruses, so they are irreplaceable. If you have been vaccinated against COVID-19 before, you can get the flu vaccine again as long as the interval is 14 days or more.

However, it should be noted that if the two vaccines are given in the same arm and the same inoculation site, the interval between the two needles should be greater than or equal to 28 days. Only by vaccinating both vaccines can we resist the invasion of Covid-19 and influenza virus.

Why should the flu vaccine be given every year? 　

There are many subtypes of influenza virus, and they mutate rapidly. Therefore, the World Health Organization has established an influenza surveillance network around the world to predict in advance which subtypes of influenza virus will cause transmission in the next influenza season. According to these recommended results and predicted results, a more suitable and effective influenza vaccine can be made.

In addition, the flu vaccine is an inactivated vaccine, and the protection time after vaccination is about 6-8 months, so if you fight this year, it will not have a preventive effect next year. For these two reasons, the flu vaccine is vaccinated every year.

Who needs to be vaccinated against influenza? 　

In principle, people over 6 months old and above can be vaccinated against influenza.It is strongly recommended that the following four groups of people be vaccinated in time.

The first category:People with low immune function, that is, infants or preschool children aged 6 months to 5 years old and elderly people over 60 years old.

The second category:People who work or study in special places, such as medical staff working in medical institutions, people who work or study in crowded places such as pension institutions, welfare homes, kindergartens and schools. On the one hand, activities in these places are easy to contact with influenza virus; On the other hand, these places are crowded and the air circulation is relatively poor.

The third category:Some people with chronic diseases or infirmities. Patients with chronic diseases have already lost their physical function and their immunity will be reduced. These people should be vaccinated against influenza in time as long as the chronic diseases are stable.

The fourth category:People who often travel and go abroad. These people will take public transportation such as trains, cars and planes frequently or for a long time, and they will often go to crowded places, so they should be vaccinated against influenza in advance.

Of course, you should not take the flu vaccine lightly. You should take protective measures, such as opening the window for ventilation as usual, washing your hands frequently and wearing a mask. At the same time, you should ensure a reasonable and regular work and rest system, have a reasonable diet, exercise regularly, enhance your immunity and better resist the flu virus.

In addition to the above three questions, we also sorted out some problems that need attention according to the Technical Guide for Influenza Vaccination in China (2021-2022) issued by China CDC on September 16th this year, so as to help you do a good job in prevention.

What are the symptoms of getting the flu? 　

Influenza generally manifests as acute onset and fever (some cases may have high fever, reaching 39-40℃), accompanied by chills, headaches, muscle and joint aches, extreme fatigue, loss of appetite and other systemic symptoms, such as sore throat, cough, nasal congestion, runny nose, discomfort behind the sternum, facial flushing, mild conjunctival congestion, vomiting, diarrhea and other symptoms. Mild influenza is often similar to the common cold, but its fever and systemic symptoms are more obvious. Severe cases may have extrapulmonary manifestations such as viral pneumonia, secondary bacterial pneumonia, acute respiratory distress syndrome, shock, disseminated intravascular coagulation, cardiovascular and nervous system, and various complications. The symptoms of influenza are the main basis for routine clinical diagnosis and treatment. However, due to the lack of specificity of symptoms and signs of influenza, it is easily confused with the common cold and other upper respiratory tract infections.

When is the right time for influenza vaccination? 　

Usually, after 2-4 weeks of influenza vaccination, antibodies with protective level can be produced, and the antibody titer begins to decline after 6-8 months. The time and duration of the annual peak of influenza activity are different in different parts of China. In order to ensure that the vaccinated people get immune protection before the high-incidence season of influenza, it is suggested that all localities arrange vaccination as soon as the vaccine is available, and it is best to complete immunization before the end of October. For those who have not been vaccinated before the end of October, immunization services can be provided throughout the epidemic season. In the same influenza epidemic season, people who have completed the whole vaccination according to the vaccination procedures do not need to be vaccinated again.

Pregnant women can be vaccinated against influenza at any stage of pregnancy. It is suggested that they can be vaccinated as soon as this year’s influenza vaccine is available.

Can you get flu vaccine if you are allergic to eggs? 　

Egg allergy is not recommended as a taboo for influenza vaccination. People’s Republic of China (PRC) Pharmacopoeia (2015 edition and 2020 edition) does not take people who are allergic to eggs as taboos. The measurement of egg protein content in commonly used influenza vaccines in China shows that the highest content is not more than 140 ng/ml. Since 2016, ACIP in the United States has suggested that people who are allergic to eggs can also be vaccinated against influenza.

What types of influenza vaccine can you get this year? 　

There are trivalent inactivated influenza vaccine (IIV3), tetravalent 20 inactivated influenza vaccine (IIV4) and trivalent live attenuated vaccine (LAIV3) which have been approved for marketing in China. IIV3 includes split vaccine and subunit vaccine, IIV4 is split vaccine and LAIV3 is attenuated vaccine. In the season of 2021-2022, there are 10 manufacturers supplying influenza vaccine. See Table 1 for the specific information of influenza vaccine manufacturers and their products.

reference data

Technical Guide for Influenza Vaccination in China (2021-2022)

https://www.chinacdc.cn/yyrdgz/202109/P020210916330493651111.pdf

Welcome to pay attention to Sohu Health WeChat WeChat official account (* ω) 　

　　If the teacher’s evaluation is done properly, the children can jump high. The picture shows the kindergarten in Danyang City, Jiangsu Province, cultivating children’s brave spirit, and the little man simulated vault training and successfully crossed the "obstacle". Photo courtesy of Gu Liqin Jiang Wen Zhou Zhusheng

　　The Guiding Outline of Kindergarten Education (Trial) points out that managers, teachers, children and their parents are all participants in kindergarten education evaluation. The evaluation process is a process of mutual participation, mutual support and cooperation. However, in the actual educational evaluation of kindergartens, the evaluation of children is often just a monologue of teachers.

　　Teacher monologues are active and passive monologues.

　　Teachers’ monologues can be divided into active monologues and passive monologues. Active monologue means that teachers do not welcome other subjects to participate in evaluation; Passive monologue means that other subjects actively choose not to participate in the evaluation. Both types exist in kindergartens.

　　The performance of active monologue is that teachers do not give children the opportunity to participate in evaluation. On the one hand, the status of children as the subject of evaluation has not been taken seriously. The Convention on the Rights of the Child puts forward that children have four basic rights: the right to survival, the right to development, the right to protection and the right to participation. Children’s participation in evaluation is an important manifestation of their right to participate. Teachers "should ensure that children who can form their own opinions have the right to express their opinions freely on all matters affecting children, and give due attention to children’s opinions according to their age and maturity". However, in the real situation, children are often regarded as incapable of participating in the evaluation because of their young age and low cognitive level, and it is difficult to express their opinions and suggestions in related matters. For example, in many kindergartens, children’s opinions are rarely sought for the setting and adjustment of class areas, the content and trend of theme activities, etc.

　　On the other hand, children are often regarded as objects in the evaluation, and there are few opportunities to express the experience, interests, needs, difficulties and opportunities behind the behavior. For example, some teachers often interpret children’s behavior from a single adult perspective, but rarely go deep into children’s "why the apple is painted black" and "why the snail is painted without a head". Children are deprived of such words in the evaluation process, which actually makes the education process become a children’s performance under the guidance of teachers, and it is difficult for children to have the opportunity to discover and develop themselves through education.

　　The performance of passive monologue is that in the evaluation of children, managers usually play the role of bystanders rather than participants, only playing the role of supervision rather than leadership, and the evaluation of children has become a task that teachers need to undertake independently. Some managers stipulate that teachers should complete several observation records or learning stories every week and make a growth record book for each child every semester as one of the requirements for evaluating teachers’ work. In addition, they seldom participate in the evaluation of kindergarten curriculum implementation effect as evaluation subjects, and rarely provide support and feedback for teachers’ evaluation work.

　　However, how to coordinate teachers’ time for observation, evaluation and other educational activities? How to make a systematic and scientific evaluation plan effectively? How to use the evaluation results to adjust and optimize the whole kindergarten curriculum plan, and effectively promote the learning and development of every child? The solution of this series of problems can not be achieved only by the strength of teachers, but must be led and planned by managers.

　　Monologue evaluation is related to external management and self-accomplishment.

　　The phenomenon of teachers’ monologues in children’s evaluation has both external and internal reasons.

　　The external reasons are mainly reflected in the inadequate overall evaluation system and concept construction of kindergartens. On the one hand, although many kindergartens emphasize evaluation, most kindergartens don’t really pay attention to evaluation. For example, kindergartens do not leave teachers with special observation and evaluation time, but require teachers to complete the observation and evaluation of young children while organizing activities; In the daily management of kindergartens, special curriculum planning time and teaching and research time are arranged, but few kindergartens will arrange special observation, evaluation and discussion time for children. On the other hand, some managers and teachers only regard observing and evaluating children as the end of education, not the starting point. Some kindergartens still take the spot check of children’s singing, telling stories and doing arithmetic at the end of the semester as an important evaluation, and make a model growth portfolio at the end of the semester as an important form to observe and evaluate children.

　　The internal reason is that teachers’ evaluation literacy needs to be improved. Evaluation literacy is an indispensable part of teachers’ professional ability, which requires teachers to have ideas, knowledge and skills in the field of evaluation, that is to say, teachers should be able to understand evaluation, clarify achievement expectations, use appropriate evaluation methods, and properly interpret and apply evaluation results. However, the current research shows that the overall evaluation literacy of preschool teachers in China is not high, among which the evaluation attitude is the best, the evaluation skills are the second, and the evaluation knowledge score is the lowest. Therefore, the evaluation knowledge and skills of preschool teachers need to be enriched and improved urgently.

　　Provide a variety of support for teachers to get out of monologue evaluation

　　First of all, in the kindergarten management system, special observation and evaluation time and discussion time should be arranged. It is suggested that qualified kindergartens arrange at least half a day for teachers every week, or arrange an hour of special observation time for teachers every day; Arrange a special evaluation and discussion time every week or every two weeks, and the whole park will work together to discuss the level of children’s learning and development, and study their life and psychological world. The role of the director has also changed from supervision and evaluation to leadership evaluation.

　　Secondly, in the examination of kindergarten teachers’ qualification certificate and the recruitment examination of new teachers in various places, the content of children’s observation and evaluation ability should be increased, forcing teachers’ training units to pay attention to strengthening the ability of cultivating students to observe and evaluate children. Although "Professional Standards for Kindergarten Teachers (Trial)" has made it clear that observing and evaluating children’s ability is the professional ability of kindergarten teachers, in the curriculum system of many kindergarten teachers’ teacher training units, relevant courses are still missing or the teaching quality of the courses is not high. If the content of children’s observation and evaluation ability is added to various exams in the future, then the teacher training unit will pay attention to relevant courses and provide students with systematic knowledge learning and ability training.

　　Secondly, it is expected that the researchers of early childhood education can develop a new model that is in line with China’s national conditions and is consistent with the "3-mdash; The computer software or mobile APP for the evaluation of children’s learning and development corresponding to the Guide to Learning and Development for 6-year-olds supports teachers to evaluate effectively and reasonably. With the help of children’s observation and evaluation software system, teachers can manage observation and evaluation data, understand the evaluated and unevaluated projects, automatically draw the development status of individual children in all aspects, and draw the development status of some aspects of the whole class, which provides convenient support for teachers to understand individual children and the whole class, and also provides the possibility for teachers to design suitable courses.

　　Finally, teachers should build a new equal relationship between teachers and children, and respect and attach importance to children’s evaluation rights. In the new era, with the increase of information acquisition channels, children know more knowledge than teachers in some aspects at some time, and teachers can no longer stick to their authoritative position as knowledge imparting, nor can they despise children’s ability. Facts show that young children are fully capable of participating in the decision-making of matters related to them. For example, some children hope that kindergartens can also have children’s parking lots, so they design a parking lot plan, submit it to the director, and get the director’s permission to open a children’s parking lot in kindergartens.

　　It can be seen that teachers should change their concepts, respect children’s right to participate and evaluate, believe that children have the ability to make evaluations, and support children to continuously improve their evaluation ability.

　　(Author: Zeng Xiaoying, former Jinxia Unit: School of Education Science, Nanjing Normal University)

CCTV News:In the first two months of this year, China’s foreign trade achieved a "good start", highlighting the strong "pulse" of China’s economy, which is inseparable from the efforts of the majority of market players. In Shenzhen, foreign trade "LCL export" is in full swing this year. As the largest international LCL center in South China, the volume of foreign trade "LCL export" of Sinotrans Shenzhen Pinghu Logistics Center increased by 14.57% in the first two months of this year, and the export dynamics showed strong momentum.

In the past two days, there were many truck drivers who came to the warehouse to do the bill in the bill hall of Shenzhen Pinghu Logistics Center of Sinotrans. The master who delivered the goods from Dongguan told the reporter that this year, he obviously felt that the orders were much more than in previous years.

In the first two months of this year, the LCL export volume of Sinotrans Shenzhen Pinghu Logistics Center increased by 14.57% compared with last year, and the number of customs declaration votes increased by 14.77% compared with last year.

What is foreign trade LCL? It refers to the mode of transportation in which goods from different foreign trade enterprises are combined into the same container. The purpose is to make full use of container space by skillfully organizing goods, thus reducing transportation costs and improving transportation efficiency.

Jian Lin Chen, deputy general manager of Sinotrans Shenzhen Pinghu Logistics Center, said that since January and February, the export situation has recovered rapidly and the momentum is strong. Among them, the total export of goods to Southeast Asian countries increased by 22% year-on-year.

The People’s Bank of China issued the "Guide to Payment for Foreigners in China"

On March 14th, the People’s Bank of China issued the Payment Guide for Foreigners in China (hereinafter referred to as the Guide). It is mentioned in the Guide that foreigners who come to China use electronic payment, and transactions below a certain amount are exempt from collecting identity information. In addition, users who hold overseas e-wallets such as Toss Pay can pay directly with their existing wallets without downloading other apps.

According to the Guide, if foreigners in China hold bank cards such as UnionPay, Visa and MasterCard, they can pay by credit card at merchants with corresponding acceptance signs. Among them, UnionPay cards can be used by all merchants with bank card payment acceptance terminals in China.

The Guide also introduces in detail how to use mobile payment. Foreigners in China can choose Alipay, WeChat payment, China Unionpay Quick Pass and other payment products. The guide shows that transactions that do not exceed a certain amount are exempt from collecting identity information. In addition, some overseas e-wallet users in Southeast Asia, Japan, South Korea and other regions, such as Toss Pay, SG, etc., can directly use their existing wallets for payment without downloading other apps.

The CSRC issued four policy documents focusing on "strengthening the foundation" and "strict supervision and management"

On March 15th, the CSRC issued four policy documents, namely, Opinions on Improving the Quality of Listed Companies from the Source by Strict Access to Issuance and Listing (Trial), Opinions on Strengthening the Supervision of Listed Companies (Trial), Opinions on Strengthening the Supervision of Securities Companies and Public Offering of Fund to Accelerate the Construction of First-class Investment Banks and Investment Institutions (Trial) and Opinions on Implementing the Standards of Excellent Political Ability, Excellent Work Style and Comprehensively Strengthening the Construction of the CSRC System. The CSRC stated that it should adhere to the goal orientation and problem orientation, firmly grasp the main line of strengthening supervision, preventing risks and promoting high-quality development, implement the requirements that supervision should be "thorny" and angular, with emphasis on "strengthening the foundation and strengthening the foundation" and "strict supervision and strict management".

Long March 5 Yaoba carrier rocket arrived in Wenchang.

The reporter learned from the National Space Administration that on March 15th, the Long March-5 Yao-8 carrier rocket carrying out the Chang ‘e-6 mission in the fourth phase of the lunar exploration project was delivered to the Wenchang Space Launch Site in China. Subsequently, the rocket will be assembled and tested in the launch site together with the Chang ‘e-6 probe that arrived in advance. At present, the participating systems in the launch site are preparing for the Chang ‘e-6 mission as planned.

Changing "Twin Cities" into "Same City" Hengqin vigorously improves customs clearance efficiency

Hengqin Port is the only entry-exit passage connecting Macao and Hengqin Guangdong-Macao Deep Cooperation Zone, and it is open for customs clearance 24 hours a day. The reporter learned from Zhuhai Hengqin Border Inspection Station that 15 "joint one-stop" passenger and truck lanes of the second phase project of Hengqin Port have been completed and will be opened on March 18th. At that time, 30 vehicle inspection lanes will be put into operation at the port, and the lane capacity will be doubled.

The reporter learned that the new driveway of Hengqin Port adopts the national first vehicle "joint one-stop" inspection system, and implements the vehicle "cooperative inspection and one-time release" customs clearance mode. The five units of Hengqin Border Inspection, Hengqin Customs, Macao Customs, Macao Public Security Police and Macao Health Bureau realize "one-time queuing, centralized collection and linkage release" for inbound and outbound vehicles. Compared with the traditional driveway "two-time queuing and two-time inspection" customs clearance mode, the customs clearance link is greatly simplified.

The reporter learned that since 0: 00 on March 1st, the Hengqin Guangdong-Macao Deep Cooperation Zone has been closed for operation. As of 24: 00 on March 11th, the Hengqin Border Inspection Station has inspected about 710,000 inbound and outbound passengers passing through the "first line", that is, Hengqin Port, and about 74,000 vehicles. The overall traffic flow of inbound and outbound passengers is stable and orderly.

Construction of two major power grid projects started at the same time.

On March 15th, two major power grid projects, namely, the positive and negative 800 kV HVDC transmission project from northern Shaanxi to Anhui and the Yuexi Pumped Storage Power Station in Anhui, started construction at the same time, with a total investment of 28 billion yuan.

UHVDC transmission project from northern Shaanxi to Anhui started.

The positive and negative 800 kV HVDC transmission project from northern Shaanxi to Anhui starts from Yan ‘an, Shaanxi, passes through Henan, and finally reaches Hefei, Anhui. The total length of the line is 1069 kilometers and the transmission capacity is 8 million kilowatts. Two converter stations are built in Yan ‘an, Shaanxi and Hefei, Anhui respectively.

The project is located in Anhui, with rapid economic and social development and strong power demand growth. After the completion of Shaanxi-Anhui UHV project, the power supply capacity of Anhui power grid will be effectively enhanced.

Construction of Yuexi Pumped Storage Power Station in Anhui Province

In addition to this major project, another major project of the State Grid — — Anhui Yuexi Pumped Storage Power Station also started construction on March 15th. Yuexi Pumped Storage Power Station has newly built four 300,000-kilowatt reversible generator sets with a total installed capacity of 1.2 million kilowatts, designed annual power generation of 1.2 billion kWh and annual pumped electricity of 1.6 billion kWh. According to reports, the total investment of the two projects started at the same time today is 28 billion yuan. In 2024, the investment scale of State Grid Corporation will exceed 500 billion yuan.

Since the implementation of the new express delivery regulations, the delivery volume has increased by over 16% year on year.

Nowadays, the newly revised "Measures for the Administration of Express Delivery Market" (hereinafter referred to as "Measures") has been implemented for half a month. According to the data of the State Post Bureau, the overall operation of the industry is stable, and express delivery companies have begun to adjust the performance appraisal method of express delivery brother by region and scene.

According to the latest data of the State Post Bureau, since the implementation of the Measures, March 1 — On the 14th, the average daily delivery volume of the whole network was 443 million pieces, up 16.3% year-on-year. From the perspective of delivery volume, the overall operation of the industry is stable. Express delivery companies optimize delivery services through intelligent voice calls, and the fulfillment rate is improved, and the user experience is further improved.

The reporter learned from the State Post Bureau that express delivery companies are currently adjusting the performance appraisal method of express delivery brother by region and scene. Some companies have already adjusted in place and others are adjusting.

Yangxian County, Shaanxi Province: Seven national first-class protected wild animals crested ibis were photographed.

Crested ibis is one of the endangered species in the world, and Yangxian County, Shaanxi Province has the largest wild crested ibis population in the world. In the core area of ibis national nature reserve, Hanzhong, Shaanxi Province, the reporter from the General Station photographed seven national first-class protected wild animals, crested ibis. Every March, crested ibis begins to enter the breeding season. After the congenial crested ibis are successfully paired, they will nest and lay eggs together to welcome the arrival of new life.

Suqian, Jiangsu Province: Oriental storks have been photographed nesting for three consecutive years.

Spring blossoms, and it’s time for migratory birds to return to the north. In Suqian City, Jiangsu Province, photographers have photographed oriental storks nesting here for three consecutive years. Near a transmission tower in Weiying Town, Sihong County, Suqian City, photographer Zhang Lianhua took a camera and took a "family photo" for the newly moved guests. Zhang Lianhua recorded the life of oriental storks in Sihong. In 2022 and 2023, he photographed three pairs of oriental storks and bred 11 young birds here.

As the nesting and breeding place of oriental storks is located at the top of the transmission tower, in order to create a safe and comfortable living environment for them, a local bird-loving volunteer service team has been set up to protect the common friends of mankind.

Cctv newsZhuang Hui, who is over the age of 30, is full of silver hair, short and slightly hunched. He has studied hepatitis for decades, talking about the course and future of hepatitis prevention and treatment in China, and his eyes are firm after bright lenses. In the course of the development of hepatitis prevention and treatment in China for more than 30 years, Zhuang Hui thinks that the most significant three aspects of work are hepatitis vaccine, standardized treatment and discrimination of patients. Whenever there is an opportunity, he will make suggestions and appeals at various occasions and meetings.

Committed to vaccination to eliminate the threat of hepatitis B.

On the second floor of peking university health science center Public Security Building, there is an office of Zhuang Hui, which is full of books and magazines. When he is not out, he comes to work in the office almost every day. Opposite the office is a laboratory, and the one next to the office is a conference room. Pushing open the door of the conference room, the first thing you see is the green plants on the rectangular conference table, and the green branches and leaves are occasionally dotted with some red fruits, which shows that the owner of the flowers and plants is an interesting person. There are also two new photo frames from Burnet Institute in Australia, which are also very eye-catching.

As early as the 1980s, Zhuang Hui began to cooperate with Burnet Institute, and it was in 1980 that our country began to incorporate the prevention and treatment of viral hepatitis and scientific research into the national scientific research plan, and Zhuang Hui gradually became the leader of the research from a participant.

For more than 30 years, our country has successfully developed hepatitis A vaccine, hepatitis B vaccine and hepatitis E vaccine. With the successful development and widespread vaccination of vaccines, from the "Eleventh Five-Year Plan" and "Twelfth Five-Year Plan", while strengthening the vaccination of viral hepatitis, we began to study the standardized treatment of hepatitis B and C, and the cure rate has also been significantly improved. China has made great achievements in the field of viral hepatitis prevention and treatment.

Academician Zhuang Hui was a member of the Technical Advisory Group on Viral Hepatitis of the World Health Organization (WHO) and an important promoter of free vaccination of hepatitis B vaccine in China. He can casually say about the development history of China’s hepatitis B vaccination policy. In 1992, the former Ministry of Health brought hepatitis B vaccine into the planned immunization management; In 2002, China incorporated hepatitis B vaccine into children’s planned immunization, and vaccinated all newborns with hepatitis B vaccine free of charge. In 2005, the cost of hepatitis B vaccination for newborns was also completely free; In 2010, newborns born to pregnant women with positive HBsAg were vaccinated with hepatitis B vaccine and then vaccinated with hepatitis B immunoglobulin free of charge; In 2009, 2010 and 2011, children under the age of 15 were replanted with hepatitis B vaccine for three consecutive years.

What Zhuang Hui is most proud of is that due to the comprehensive prevention and control strategy of hepatitis B vaccination, the hepatitis B seroepidemiological survey in 2014 showed that the prevalence rate of hepatitis B surface antigen among people aged 1-4 in China dropped to 0.32%, and that among people aged 5-14 was 0.96%, which reduced the number of new hepatitis B virus infections by 30 million, and prevented 80 million children from being infected with hepatitis B virus.

Committed to improving the standardized treatment of hepatitis

Zhuang Hui thinks that the second place in the meaningful work is to organize the formulation of guidelines for the prevention and treatment of hepatitis B and C in China. "Through the interpretation and promotion of these two guidelines throughout the country, it has greatly promoted the standardized diagnosis, treatment and prevention of hepatitis B and C in China … … These two guides are more useful than how many SCI papers are written. "

Under the leadership of Zhuang Hui, China formulated the Guidelines for the Prevention and Treatment of Hepatitis C and Hepatitis B in 2004 and 2005, among which the most important thing is to regard antiviral treatment as the key to the treatment of hepatitis B and C, which makes the antiviral treatment of hepatitis B and C more standardized and the curative effect further improved.

At present, among the 28 million chronic hepatitis B patients in China, only about 2-3 million people are receiving antiviral treatment. "Why not receive treatment? The main reason is that the treatment cost is too expensive." Zhuang Hui said. "At the same time, hepatitis C can be cured at present, and we must find ways to promote the accessibility of new drugs."

Under the leadership of Zhuang Hui, he submitted many suggestions to the National Health and Family Planning Commission and relevant departments. Finally, in 2016, through negotiations between the government and pharmaceutical companies, the monthly cost of tenofovir disoproxil fumarate, an antiviral drug for hepatitis B, dropped from 1,470 yuan to 490 yuan, a decrease of 67%. At the same time, in 2017, china food and drug administration approved the first direct antiviral drug for oral hepatitis C. After 3-6 months of treatment, 95% of hepatitis C can be cured.

Committed to eliminating hepatitis discrimination

Zhuang Hui’s third concern is about hepatitis B discrimination. It is said that in the big discussion on whether to cancel the compulsory physical examination of hepatitis B before entering school and employment, he used epidemiological logic to refute those voices who were afraid that canceling the physical examination would lead to the epidemic of the disease. He said: "From an epidemiological point of view, if normal contact can infect, the entrance nodes of primary schools, middle schools and universities will be the peak of hepatitis B virus infection, but in our epidemiological investigation, we have not seen this situation."

Although the documents issued by the National Health Planning Commission and other three departments have played a very good role in promoting the policy of non-discrimination for hepatitis B patients, the discrimination against hepatitis B in society has not been completely eliminated. For example, a village doctor with hepatitis B carrier was afraid to show up during the recording of TV programs, and covered his face during the video recording. This shows that he is afraid of showing his true face, and no one dares to see him. He is also worried that his son can’t find a partner and so on. We still have a long way to go to eliminate discrimination against patients with viral hepatitis, including hepatitis B and C, hepatitis A and hepatitis E.

The World Health Organization proposes that by 2030, the new cases of chronic hepatitis B and C will be reduced by 90%, the mortality rate of hepatitis B and C will be reduced to 65%, and the treatment of chronic hepatitis B and C will cover 80% of patients, thus eliminating the public health problem of viral hepatitis. "Optimization of hepatitis immunization, standardized treatment and discrimination of patients", Zhuang Hui said, doing well in these three aspects is to promote the prevention and treatment of hepatitis in China, and also for a future without hepatitis.

July 28th is World Hepatitis Day, and this year’s theme is "Standardizing detection and treatment to curb the harm of hepatitis". "At present, the number of hepatitis patients in our country is too small. There are 28 million patients with hepatitis B, but only more than 2 million patients are treated, less than 10%, and less than 1% patients with hepatitis C. Only early diagnosis and early treatment can curb the harm of hepatitis." Zhuang Hui said.