CCTV News:The honor guard of the Chinese People’s Liberation Army (PLA), as the only unit in China that undertakes the task of ceremonial ceremonies at the national level, has long been a shining national business card for its vigorous pace and upright posture. And behind every appearance, how are the honor guards selected and trained? Let’s get to know each other.

　　The honor guard of the Chinese People’s Liberation Army (PLA) is a ceremonial unit that mainly carries out the task of ceremonial ceremonies, and is mainly responsible for the welcoming ceremony held by the leaders of the party, the state and the military for foreign heads of state, heads of government and senior military generals when they visit China.

　　Han Jie, the captain of the honor guard of the Chinese People’s Liberation Army, said that to be an honor guard, we must first meet the requirements of People’s Republic of China (PRC)’s military service law. On this basis, there are some special conditions for the selection of our honor guards. For example, the height of male players should reach more than 1.80 meters, and the height of female players should reach more than 1.73 meters. Their daily performance should be good, their bodies should be symmetrical and their facial features should be correct.

　　Reporter Zhou Su said, I am now in the training ground of the honor guard of the Chinese People’s Liberation Army. Behind me, the officers and men are training step by step and step by step. This kind of training is done day after day and year after year, just to show the honor guard the best in all major tasks.

　　One minute in front of the stage and ten years behind the scenes, all the accurate queue movements of the honor guards come from thousands of repetitions and polishing.

　　Members of the honor guard of the Chinese People’s Liberation Army said that I had participated in the military parade for 15 years. At that time, the longest standing posture was five hours. From 9: 00 am to 2: 00 pm, I stood dizzy and uncomfortable. Finally, I persisted.

　　Players wear out 7 pairs of boots per year.

　　March forward with the military career of every honor guard. The soldiers told reporters that each of them wears out an average of seven pairs of boots every year, and all of them have worn-out scars on their feet. The cumulative distance of marching in the three years is equivalent to one or several miles of the 25,000-mile long March, and the annual sweat is nearly one ton.

　　The members of the honor guard of the Chinese People’s Liberation Army said that because they wear riding boots, which are relatively long, with wood under them, they walk for a long time, and their heels are easy to wear out and bleed, so there is no way. I will continue to insist (when performing tasks), and soldiers must insist.

　　The players face the wind for 30 seconds without blinking or crying.

　　As a symbol of the country, the honor guard is the glory of the army. When facing foreign guests, every guard of honor needs to be radiant and natural. During the training, the soldiers should not blink or shed tears for 30 seconds under the condition of facing the wind and the light. In order to keep the best state in all tasks, the guard of honor also needs to carry out targeted expression and eye training.

　　Members of the honor guard of the Chinese People’s Liberation Army said that the requirement of our honor guard for the honor guard is that we don’t blink for 45 seconds. In summer, we practice in front of the sun, and in winter, we practice against the cold wind, so every soldier can keep the wind blowing and the sand playing.

　　It is understood that the honor guard of the Chinese People’s Liberation Army has successfully completed more than 4,000 ceremonial ceremonies since its establishment more than 60 years ago. At all times, it has completed various major tasks with high quality with the standard that appearance is wonderful and appearance is shocking, fully demonstrating the era style of the whole party, the whole army and the people of the whole country to forge ahead in a new era and start a new journey.

Special feature of 1905 film network Last year, on the National Day, Dapeng filmed the feelings and charm of guitar music with a "Sewing Machine Band". In the film, the passionate performance of the band members in the "Big Guitar Square" has infected countless audiences.

The movie ended, and the big guitar square in Sewing Machine Band no longer exists. However, in Guizhou, thousands of kilometers away from the northeast, a county named Zheng ‘an is staging its own inspirational story of poverty alleviation with the help of handfuls of small guitars.　

　

Zheng ‘an, located in the hinterland of Wuling Mountain in northern Guizhou, is a national key poverty alleviation and development county under the jurisdiction of Zunyi City, Guizhou Province.

　

Walking in this small town surrounded by mountains, you will find that street lamps on both sides of the road, fountains in convenience parks and humanistic sculptures everywhere are full of exquisite "guitar" elements, which have been closely linked with the cultural life of Zhengan people.

　

What kind of "fate" is this? On September 27th, we just arrived in Zheng ‘an to participate in the "Fight Against Poverty — — Team Yao Chen, an actor in the fourth stop of the "Starlight Action" charity event, listened to the introduction of the relevant person in charge of the local county government at the poverty alleviation research and planning meeting.

　

Everything starts with a decision made by the county five years ago. In 2013, Zheng ‘an County seized the opportunity of industrial transfer in coastal areas and introduced the guitar manufacturing enterprises originally located in Guangzhou into its own home, making the guitar manufacturing industry gradually become an important starting point for local industries to help the poor.

　

Now, after several years of development, Zhengan has built the world’s largest guitar production base, and 26 enterprises have successively entered the guitar industrial park, with an annual output value of over 1.5 billion. In addition to the advanced cloud data center and modern production workshop covering an area of more than 600,000 square meters, the guitar culture theme park here will also help Zhengan to truly realize the industrial upgrading from industrial production to manufacturing, culture and tourism.

　

Talking about the local cultural development, Cheng Xiaoqiu, deputy secretary of the Party Working Committee of Guizhou Zheng ‘an Economic Development Zone, specially introduced the guitar cultural square which is popular in the local area.

The design of the square coincides with the big guitar square in Sewing Machine Band, which is also dominated by several giant guitar symbols. Every evening, the local people like to relax there, overlooking the night scene of the square, and the lights also outline the shape of the guitar on the ground, which is full of design.

　

Hearing this, Yao Chen, who usually likes music, showed great interest. As soon as they left, the group set off directly from the planning meeting site and went to this guitar culture square, which can be called the absolute "bright spot" in Zheng ‘an County.

Although it rained in the sky, there were still many people gathered in the square. Everyone was scattered around the guitar playing groups, feeling the music and enjoying the comfort of the night in the small town.

　

The first group of performers Yao Chen met was the local children’s guitar band "Orange Band", the oldest of whom was only 18 years old. Taking the opportunity of learning guitar playing, several teenagers got together and formed this band "The sparrow is small but complete".

Usually, they often perform for their classmates at school. Chen Qin, a guitarist, told us that every time she heard her classmates sing along with her piano, she would feel very happy.

　

Further on, Yao Chen was suddenly attracted by an absolute "budding guitarist". On the bench, a little girl with a double ponytail is seriously playing a "little guitar" that is very commensurate with her. The immature children’s voice hit everyone present at once.

　

The little girl is 5 years old and has been studying guitar playing for more than a month with her parents who love music. Seeing Yao Chen, she shyly took out a gift for "Little Potato", and Yao Chen happily took it and opened it on the spot. It turned out to be the "Little Guitar" played by the little girl — — Ukulele Yao Chen not only gladly satisfied the little girl’s wish to take a group photo, but also sent her an invitation: "Welcome to Beijing, ok?"

　

In addition to children who like guitar and love music, there are more players from all walks of life in this guitar culture square, expressing their feelings for Zheng ‘an through their guitars. Li Xu and Zheng Song, poverty alleviation cadres, and two local teachers have formed a special "poverty alleviation cadre band".

　

Li Xu has a personal experience in his own poverty alleviation work for Zheng ‘an’s efforts to develop through guitar manufacturing, a pillar industry in the past five years. The continuous construction and growth of guitar production bases has helped more young laborers in counties to find jobs at home, which has greatly promoted the progress of local poverty alleviation.

　

Along with it, there are also local cultural industries. Li Xu saw that more and more people began to learn and play the guitar with the continuous integration of guitar into local people’s lives. There are more and more guitar playing educational institutions in the county. "Many children go to school, which can not only cultivate interest, but also make a group of talents in the future."

　

Due to the busy daily work, the band of poverty alleviation cadres seldom get together to perform, but Zheng Song always puts a guitar in his dormitory and plays a song when he is free, which is the best way to relax.

　

I felt a round of Zheng ‘an people’s enthusiasm for guitar at close range in the square, which made Yao Chen more curious about this instrument. At the planning meeting, Yao Chen and the research team decided on tomorrow’s itinerary. At that time, she will go to the guitar production base to experience the whole process of a piano from material processing to product delivery.

1905 movie network news According to foreign media reports, Disney’s live-action version of Dumbo has identified a new Casper, who was confirmed to join by alan arkin who won the Oscar for Best Supporting Actor. Currently, the film is being filmed in London.

The live-action version of Dumbo is based on the 1941 animation remake and adapted from children’s novels. The main story is that Danbo, a circus elephant, was teased and bullied because of his unusual appearance. His mother was put in a cage because she taught the other party a lesson. The elephant tried his best to save her mother and accidentally discovered one of his unique skills. Although the 1941 version of Dumbo is only 64 minutes long, many paragraphs have become classics.

Alan arkin will play wall street tycoon Remington Griffin and Colin Farrell will play former circus star Holt Farrell. Danny devito’s circus owner hired Holt to take care of the newborn elephant, but Holt’s children found that the elephant could fly, and michael keaton’s slick entrepreneur and Eva Green’s acrobat tried to steal the elephant. The details of alan arkin’s role are unknown. However, the whole story of the live-action version has changed greatly.

Alan arkin had previously appeared in "Little Miss Sunshine" and "The Russians are coming! The Russians are coming! "and many other works.

The live-action Dumbo is directed by tim burton, who has directed many films and is good at Gothic style. Ehren Kruger, a series of screenwriters, plays the script of this film.

It is reported that the live-action version of Dumbo will be released in the United States on March 29, 2019. In addition to this film, Disney also adapted The Lion King into a live-action version.

Tesla CEO Musk started his unannounced trip to China on 28th. His private business jet was recorded by the flight tracking website until it arrived at Beijing Capital International Airport that afternoon. During this visit, Li Qiang, Prime Minister of the State Council, China, met Musk at Diaoyutai State Guesthouse, praising Tesla’s success in the China market as a model of Sino-US economic and trade cooperation, and reiterating that China will continue to welcome the participation and contribution of foreign-funded enterprises, and its huge market will remain open to the outside world. Musk’s visit was at the invitation of the China Council for the Promotion of International Trade, during which he also met with Ren Hongbin, president of the Council for the Promotion of International Trade. According to Reuters, Musk’s visit to China aims at promoting the application of Tesla’s fully automatic driving (FSD) system in China, and hopes to get approval to transmit the vehicle driving data in China to foreign countries for the training of autonomous driving algorithms. At present, according to regulatory requirements, all driving data collected by Tesla in China since 2021 are stored in Shanghai and not transferred to the United States. Musk predicted earlier that FSD technology would be provided to users in China. Experts pointed out that the complex traffic environment and high density of pedestrians and bicycles in China provided valuable data for optimizing intelligent driving algorithm.

Musk’s trip to China was immediately followed by his announcement that he would postpone his visit to India. He originally said that he could not make it because of his company’s busy business. Indian media widely reported this contrast, stressing that Musk chose to visit China when Tesla’s plan to build a factory in India was unclear.

It is worth noting that Musk’s visit to China coincided with his stay in auto china. Although Tesla didn’t participate in the exhibition, Musk conveyed his delight in the progress of electric vehicles in China through video interview after his arrival, and predicted the trend of full electrification of vehicles in the future. At the same time, Mary Bola, CEO of American General Motors, also made a low-key appearance at the Beijing Auto Show, showing that the international auto industry is highly concerned about the China market.

student

ticket

It’s the school season again, and many students are about to enter school or start their study life in the new school year. Xiaobian specially sorted out the common problems in the use of student tickets to facilitate everyone to purchase tickets quickly.

one

How to use student tickets

Method 1: bind the preferential qualifications of students before purchasing tickets (preferred recommendation)

1. Bring the original ID card and student ID card to the station self-service ticket vending machine for "preferential qualification binding";

2. use the railway 12306APP to purchase tickets;

3. You don’t need to pick up the ticket when you take the bus, just swipe your ID card and get into the station.

Highlight: No need to collect tickets.

Method 2: Buy the ticket first and then discount the qualification binding.

1. use the railway 12306APP to purchase tickets;

2. Bring the original ID card and student ID card to the self-service ticket vending machine for "preferential qualification binding";

3. When you take the bus for the first time every academic year, you must exchange the "reimbursement voucher" before you can swipe your ID card.

Disadvantages: Need to get reimbursement vouchers; When the preferential qualification binding is unsuccessful, you must go to the artificial window with the original student ID card to handle the "full price".

pay attention to

You must go to the station for a "preferential qualification binding" every academic year.

You must bring the original ID card and student ID card when you take the bus, so that the railway department can check it.

There are four preferential times per academic year, which are not cumulative and not postponed.

2

Student ticket preferential qualification binding

Steps of qualification examination for self-service machines: three clicks and two placements.

Click on the preferential qualification binding module on the screen;

Click the student preferential qualification binding module;

Click "Got it" for the pop-up "Binding Instructions";

Place a student discount card for train tickets;

Place the second-generation ID card.

The verification function of students’ preferential qualification has been added to the manual real-name registration system verification entrance of the station and the train.

The secret of the success of "preferential qualification binding"

1. Fill in the bus section correctly, which is "school-home" or "home-school", and you can’t fill in other places.

2. The train ticket discount card of the student ID card can be read and is consistent with the information recorded on the student ID card.

three

Student ticket discount

grade

favourable

remarks

hard seat

5 fold

Ordinary speed (T, K prefix and train number are pure numbers)

hard berth

15% discount

When buying a hard berth ticket, you can enjoy a discount of half the hard seat.

sleeper with cushioned berths

No discount

_

business block

No discount

_

First-class seats

No discount

_

Second-class seat

15% discount

When purchasing train tickets for EMU (G, D prefix), you can enjoy a 25% discount on the published fare of second-class seats, that is, a 7.5% discount.

four

Frequently asked questions

ask

Why is the discount card invalid?

The discount card must be properly kept. Once attached, it must not be torn off, bent or folded at a large angle, pressed by external force, soaked or stored in a damp place for a long time, and other contactless IC cards (such as second-generation ID cards) or metal cards should not be placed close to the discount card.

ask

What conditions can I buy a student ticket?

Students and graduate students who study in ordinary universities, colleges (including private universities with academic qualifications approved by the national education authorities), military colleges, primary and secondary specialized schools, and technical schools, who have no wage income, and whose family residence and school are not in the same city, can enjoy half-price hard seat tickets, accelerated tickets and air-conditioning tickets between their families and colleges four times a year with the student ID card (primary school students can prove it in writing) affixed with the official seal of the college. Freshmen can buy a student ticket with the admission notice and graduates with the written certificate from the school. Overseas Chinese students and students from Hong Kong, Macao and Taiwan shall be handled in accordance with the above provisions.

ask

I have bought a train ticket and forgot to bring my student ID card when I took the bus. What should I do?

Refund the ticket before driving and re-purchase the full-price ticket.

ask

What should I do if I have bought the ticket, the qualification binding of the discount is unsuccessful or I can’t get the ticket after the number of discounts is used up?

Go to the artificial window of the station to handle the "full price", which can be handled before driving.

ask

What should I do if the student ticket misses the train?

Tickets that have never been changed can be changed once; Tickets that have been changed once will be invalid after driving, so you can buy them again.

For any questions about the purchase of student tickets and taking a bus, the majority of student travelers can consult at the station service desk, and the staff will serve you wholeheartedly.

Graphic | Huang Shuyuan

Edit | Wu Gaolin

Original title: "How to buy and use student tickets? The detailed answer is coming! 》

Read the original text

　　The favorable policies are intensively released, and the power exchange mode will take off in 2024.

　　With the popularization and promotion of new energy vehicles, as one of the ways to supplement energy, the power exchange mode has also been supported by the policy.

　　At the National Conference on Industry and Informatization held at the end of 2023 (December 21st), the Ministry of Industry and Information Technology clearly pointed out that in 2024, it is necessary to support the development of new energy vehicles’ electricity exchange mode and do a good job in the pilot area of full electrification of vehicles in the public domain.

　　In fact, looking back on 2023, it is not difficult to find that both the national level and local governments have issued a series of support policies to promote the construction of power exchange stations and the promotion of power exchange vehicles, which undoubtedly added new kinetic energy to the accelerated development of power exchange mode in 2024. This paper sorts out and summarizes the electricity exchange policy introduced in 2023 for the reference of the industry.

　　country

　　Ministry of Industry and Information Technology: Support the development of new energy vehicle power exchange mode in 2024.

　　On December 21st, the National Conference on Industry and Informatization was held in Beijing. The meeting stressed that in 2024, we should focus on high-quality development, highlight key points, grasp the key points, and do a good job in 12 key tasks. These include boosting large-scale consumption of new energy vehicles and electronic products. Deepen the integration of production and operation, and do a good job in ensuring the service of key foreign-funded projects in manufacturing.Support the development of new energy vehicle power exchange mode, and do a good job in the pilot area of comprehensive electrification of vehicles in the public sector.We will launch a pilot program of intelligent networked vehicle access and road traffic, and promote the scale application of Beidou and the development of satellite Internet.

　　Seven departments, including the Ministry of Industry and Information Technology, encourage the application of new energy vehicle power exchange mode.

　　On September 1st, the Ministry of Industry and Information Technology and other seven departments issued the Work Plan for Steady Growth of Automobile Industry (2023-2024), which pointed out that new energy vehicles should be organized to go to the countryside, enterprises should be encouraged to develop more advanced and applicable models, and the consumption potential in rural areas should be fully tapped. Encourage the application of new energy vehicle power exchange mode, and promote the deep integration and development of new energy vehicles and energy.

　　National Development and Reform Commission: Continue to promote the formulation of relevant standards for power exchange infrastructure.

　　On July 20th, the National Development and Reform Commission and other departments jointly issued "Several Measures on Promoting Automobile Consumption". Measures require strengthening the construction of supporting facilities for new energy vehicles. Continue to promote the formulation of relevant standards for power exchange infrastructure to enhance compatibility and versatility. Accelerate the popularization and application of power exchange mode, actively carry out the pilot of vehicle power exchange mode in the public domain, and support the construction of charging and replacing infrastructure in urban bus stations. Encourage qualified cities and highways and other traffic trunk lines to accelerate the construction of power exchange stations.

　　Ministry of Industry and Information Technology: Support business model innovations such as power exchange, financial leasing and "separation of vehicles and electricity"

　　On February 3, the Ministry of Industry and Information Technology and other eight departments jointly issued the Notice on Organizing the Pilot Work of Fully Electrified Vehicles in the Public Sector. The notice is clear, scientifically and reasonably formulate the promotion target of new energy vehicles, carry out diversified scene applications according to local conditions, encourage the promotion and application of new energy heavy trucks in specific scenes such as short-distance transportation, urban construction logistics and mines, accelerate the scrapping and updating of old vehicles into new energy vehicles, and accelerate the promotion of vehicles in the public domain. Fully electrified. Support business model innovations such as power exchange, financial leasing, and "separation of vehicles and electricity".

　　place

　　Guangzhou: Layout a batch of power exchange infrastructure ahead of schedule, and actively declare the national pilot city for power exchange.

　　On December 22nd, Guangzhou Development and Reform Commission issued the Medium and Long-term Development Plan of Guangzhou Automobile Industry (2023-2035). The document proposes to encourage enterprises to study and formulate highly compatible power exchange standards, speed up the popularization and application of power exchange modes, lay out a number of power exchange infrastructures in advance, and actively declare national pilot cities for power exchange.

　　Xinyang, Henan Province: Carry out the special construction action of electric vehicle power exchange facilities

　　On November 8, the Xinyang Municipal Government of Henan Province issued a notice on the "Three-year Action Plan for Electric Vehicle Charging Infrastructure Construction in Xinyang City (2023-2025)".

　　The notice pointed out that special construction actions for electric vehicle power exchange facilities should be carried out. Support new energy vehicle manufacturers to carry out group-type and large-scale power exchange station construction, implement the sales mode of "separation of vehicles and electricity", and promote the standardized construction and operation of power exchange stations; Support all localities to explore the construction of demonstration cities for power exchange in the fields of public transportation, mines, muck and sanitation, strengthen the dynamic monitoring of vehicles and power batteries in power exchange mode, and improve the level of safe operation. By 2025, the city has built a total of 5 power stations.

　　Yancheng, Jiangsu Province: Support the construction and layout of special power exchange stations around the application of ports, public transportation and urban transshipment.

　　On October 26th, Yancheng Municipal Government issued the "Implementation Opinions on Further Promoting the Healthy Development of Electric Vehicle Charging (Replacement) Infrastructure in the City". The document pointed out that the application of power exchange mode should be promoted, focusing on the application of ports, public transportation, urban transshipment and other scenarios, supporting the construction and layout of special power exchange stations, and accelerating the exploration and promotion of vehicle-electricity separation mode.

　　Shenzhen: Support the pilot of power exchange mode.

　　On September 15th, the Shenzhen Municipal Development and Reform Commission issued "Several Measures for Promoting Consumption in Shenzhen", which proposed to support the pilot project of new energy vehicle power exchange mode. Take the lead in piloting new energy replacement vehicles in heavy trucks and other fields, and subsidize heavy trucks that meet the pilot conditions. Encourage social capital to invest in the operation of the new energy vehicle general demonstration station, and support it in terms of land use, approval and operation.

　　Henan: By 2025, 100 power exchange stations will be built in the province.

　　On August 15th, the General Office of the People’s Government of Henan Province issued the "Three-year Action Plan for the Construction of Electric Vehicle Charging Infrastructure in Henan Province (2023-2025)", which proposed to carry out special construction actions for electric vehicle power exchange facilities. Support new energy vehicle manufacturers to carry out group-type and large-scale power exchange station construction, implement the sales mode of "separation of vehicles and electricity", and promote the standardized construction and operation of power exchange stations; Support all localities to explore the construction of provincial-level demonstration cities for power exchange in the fields of public transportation, mines, muck, sanitation, etc. Relying on the monitoring and management platform of new energy vehicles, strengthen the dynamic monitoring of vehicles and power batteries in power exchange mode, and improve the level of safe operation. By 2025, 100 power stations will be built in the province.

　　Tianjin: Actively build various facilities such as charging and replacing electricity, filling gas and hydrogenation.

　　On August 7th, Tianjin Housing and Urban-Rural Development Committee and Municipal Development and Reform Commission issued the Implementation Plan of Tianjin’s Urban Infrastructure Construction in the 14th Five-Year Plan. The plan pointed out that the construction of energy stations for new energy vehicles should be vigorously promoted. Comply with the requirements of the development of new energy vehicles, actively build various facilities such as charging and replacing electricity, refueling and hydrogenation, and strengthen the operation supervision of refueling and hydrogenation substations.

　　Jiangxi: Explore new modes such as separation of vehicles and electricity.

　　On July 12th, the People’s Government of Jiangxi Province issued the Action Plan for the Modernization of New Energy Industry Chain in Jiangxi Province (2023-2026). The plan mentioned that the infrastructure construction of charging and replacing new energy vehicles with charging as the main and replacing electricity as the auxiliary should be promoted, and new modes such as separation of vehicles and electricity should be explored.

　　Sichuan: further promote the pilot application of new energy vehicle power exchange mode (heavy truck characteristic category)

　　On July 7, the Sichuan Provincial Party Committee and the Sichuan Provincial People’s Government issued the Opinions on Supporting Yibin to Build a Pioneer Zone of Ecological Priority, Green and Low-carbon Development, proposing to implement the "Electric Yibin" action, support the construction of a comprehensive electric pioneer zone for vehicles in the public domain, and further promote the pilot application of new energy vehicles (heavy truck characteristics).

　　Chengdu: By 2025, 3,000 power exchange stations will be built.

　　On June 25th, the Office of the Leading Group for Building a Powerful Manufacturing City in Chengdu issued the notice of Chengdu New Energy and Intelligent Networked Automobile Industry Development Plan (2023-2030), proposing that by 2025, the deployment of new infrastructure will be accelerated, and 3,000 power exchange stations and 160,000 charging piles will be built.

　　Fujian: Building a Benign Business Model of Power Exchange

　　On June 5, the Fujian Provincial Department of Industry and Information Technology and other ten departments jointly issued the "Implementation Opinions on Comprehensively Promoting the Construction of" Electric Fujian "(2023-2025)", which pointed out the development of battery leasing. Support power battery leasing enterprises to become bigger and stronger, and radiate to the whole country. For power battery leasing and other businesses in the purchase and use, the rated capacity of power batteries will be subsidized according to 30 yuan/kWh, and the maximum subsidy fund for three years will be 100 million yuan. Encourage power battery manufacturers to take the lead in setting up various types of consortia to jointly create a benign business model of power exchange, and promote its application in the fields of new energy vehicles, electric ships, new energy construction machinery and agricultural machinery.　

　　Hohhot: By 2025, 60 power stations will be built.

　　On May 10th, Hohhot Bureau of Industry and Information Technology issued the Implementation Plan for the Promotion and Application of New Energy Vehicles and High-quality Industrial Development in Hohhot (2023-2025). It is mentioned that by 2025, the penetration rate of new energy vehicles will reach more than 20%, the number of new energy vehicles registered in the city will reach about 60,000, and a total of 20,000 charging piles and 60 power station replacement piles will be built. The integrated intelligent multi-function station of "light storage, charging and discharging" and "charging and replacing electricity" will be built according to local conditions, and the ratio of vehicles to piles will reach 3: 1, which basically meets the service demand of charging and replacing electricity for new energy vehicles.

　　Chengdu: carry out business model innovations such as separation of vehicles and electricity and exchange of electricity.

　　On March 10th, the General Office of Chengdu Municipal People’s Government issued the "Implementation Opinions on Promoting the Development of New Energy Vehicle Industry in Chengdu", which proposed to encourage state-owned platform companies to take the lead in cooperating with upstream and downstream enterprises in industrial chains such as complete vehicles, power batteries, new power systems and charging and replacing equipment, purchase new energy vehicles in bulk, and carry out business model innovations such as leasing, vehicle-electricity separation, power exchange and BOT (build-operate-transfer) to help promote new energy vehicles in various fields. By 2025, 3,000 charging and replacing power stations will be built. For the power exchange facilities included in the pilot scope, the construction subsidy will be given according to 300 yuan/kW, and the maximum operating subsidy of 200,000 yuan will be given to a single station according to 0.2 yuan/kWh every year.

　　At the same time, encourage and support industrial alliances to organize units such as complete vehicles, power batteries, intelligent systems, charging and replacing equipment, operations, finance, etc. to formulate group standards such as vehicle selection and application of replacement modes in sub-sectors.

　　Harbin: 100,000 yuan will be added to each power station.

　　On March 6th, Harbin officially promulgated the Detailed Rules for Supporting the Construction and Operation of Electric Vehicle Charging Infrastructure, which clearly stated that the maximum amount of temporary subsidy for charging facilities construction projects applying for central funds should not be higher than 60% of the purchase price of charging equipment, and the specific subsidy standard should be determined after comprehensive balance between the total amount of subsidy funds and the total amount of qualified charging facilities. 100,000 yuan will be added to each replacement station in the power station.

　　Shanghai: We will explore the sharing mode of power exchange service in advantageous areas.

　　On February 24th, the General Office of the Shanghai Municipal People’s Government issued a notice on "Implementation Opinions on Further Promoting the Construction of Charging and Replacing Infrastructure in this Municipality", which clearly stated that it would explore the sharing mode of power exchange services in advantageous areas. Accelerate the formulation of local standards such as the construction of power-changing vehicles, power-changing equipment and power-changing stations, break down the barriers to the application of power-changing technology across brands and vehicles, and promote the formation of unified power-changing standards in major application areas such as special vehicles and passenger cars. Strengthen technical research, and study and lay out special-purpose vehicle sharing power exchange stations around short-distance and high-utilization scenarios such as ports, logistics and sanitation. Explore the sharing mode of electricity exchange between taxis, network cars and private cars in cities, and encourage the construction of integrated sharing stations for charging and exchanging electricity.

　　(This article is from Gasgoo, Gasgoo)

　　As one of the largest institutional investors in China, the national social security fund has attracted much attention from the market. Recently, the Social Security Fund has many new ideas and actions on investment. Focusing on related hot issues, our reporter recently interviewed Dai Xianglong, chairman of the National Social Security Fund Council.

　　China is a developing country, and there is no surplus of funds. However, the channels for converting social funds into capital are too narrow, and the proportion of direct financing should be increased through multiple channels.

　　Reporter: You have served as the leader of commercial banks, central banks and local governments, and now you are in charge of the work of the Social Security Fund Council. It should be said that you have been exposed to the capital market from all angles. The 17th National Congress of the Communist Party of China proposed to optimize the capital market structure and increase the proportion of direct financing through multiple channels. What do you think is the significance of capital market to China’s economic and financial development? What aspects should we focus on to develop and improve the capital market at present?

　　Dai Xianglong: The capital market, also known as the long-term capital market, refers to places where various funds are borrowed and traded for more than one year. In China, the capital market mainly includes national debt market, stock market, medium and long-term corporate bond market and medium and long-term loan market. Developing capital market is of great significance for deepening the reform of financial system and promoting economic and social development. In terms of financing, enterprises can obtain long-term funds for production and construction, and most of these funds become enterprise capital, which improves their own development ability and corporate governance level; In terms of investment, it can preserve and increase the value of funds, generally speaking, it can get a higher return than the interest on bank deposits, which is beneficial for urban and rural residents to convert some deposits into equity and increase property income; In terms of market function, it can guide social funds to invest in regions, industries and enterprises with high efficiency in the use of funds; From the perspective of strengthening the national macro-control ability, it can promote the adaptation of capital supply and credit supply, reduce excess liquidity, reduce dependence on foreign capital, and better promote the balance of payments.

　　After long-term efforts, the reform and development of China’s financial industry has achieved remarkable results, but there are still many outstanding problems to be studied and solved, including the low proportion of direct financing. It has been 15 years since the Third Plenary Session of the 14th CPC Central Committee proposed to increase the proportion of direct financing, but the progress is not obvious enough. From 2001 to 2006, the ratio of stock financing to loan increase in that year was the lowest 2.1% and the highest 9.5%. In 2007, the stock market rose sharply by more than 20%, and this year it will definitely drop sharply. China is a developing country, and there is no capital surplus. Excess liquidity refers to the short-term capital supply exceeding the macro-control capital demand, which leads to the excessive growth of asset prices. At present, there is "excess liquidity" in China. First, because of the imbalance of international payments, foreign exchange reserves occupy too much RMB funds; Second, because of the insufficient capital formation and the rapid growth of credit capacity, the channels for converting social funds into capital are too narrow, and a large amount of funds are converted into credit funds. The unreasonable structure of social funds reduces the utilization rate of social funds. In recent years, to create 100 yuan’s GDP in China, it needs 160 yuan’s money supply, which is more than double that of the United States, and also exceeds that of Japan, which mainly relies on indirect financing.

　　The report of the 17th National Congress of the Communist Party of China proposed to "optimize the capital market structure and increase the proportion of direct financing through multiple channels". In this regard, we should conscientiously implement:

　　First, we should continue to expand stock financing. China’s economy and society have developed steadily, national strength has been continuously improved, market management has been gradually improved, and the stability and development of the stock market have a good foundation. By adjusting the financing rhythm, increasing institutional investment, strengthening system construction and innovating the stability mechanism, China’s stock market will surely develop steadily. At present, we should implement a tight monetary policy, focus on controlling inflation, and at the same time pay attention to the healthy development of the capital market and maintain the stability of the real estate market.

　　The second is to develop bond financing. By the end of June 2008, the total amount of bonds in China had reached 13.74 trillion yuan, but 91.5% were government bonds, policy financial bonds and central bank bills, and corporate and corporate bonds only accounted for 8.5%. It is necessary to speed up the development of enterprise credit rating agencies, improve the bankruptcy settlement mechanism, strengthen the coordination of financial regulatory agencies, and solve the guarantee problem of corporate bond issuance, so that the issuance and transfer of corporate bonds can be greatly developed.

　　The third is to create fund financing. Fund financing includes securities investment funds, venture capital funds and equity investment funds. At present, securities investment funds have been stipulated by law and have developed rapidly; Venture capital fund, which has administrative regulations, is small in scale; Equity investment funds or industrial investment funds are still in the experimental stage of reform and should be boldly and comprehensively promoted.

　　Reporter: In 2006, Tianjin applied to the State Council to set up the OTC market of unlisted public companies. What is the purpose of setting up this market? What role can it play in the whole capital market system?

　　Dai Xianglong: The securities trading market includes the on-site market and the off-site market. OTC market mainly refers to the over-the-counter market (OTC), which provides stock quotation and transfer services for public companies that fail to meet the listing conditions. The establishment of over-the-counter market is conducive to increasing the proportion of direct financing through multiple channels, providing capital for more and wider public companies than listed companies and promoting capital flow; It is conducive to providing capital for small and medium-sized enterprises that do not have listing conditions for the time being and are in the initial stage of development, but have strong growth, and promoting the development of small and medium-sized enterprises and scientific and technological small and medium-sized enterprises; It is beneficial for unlisted public companies to improve the corporate governance structure and provide more high-quality listed companies for the stock market.

　　It has become an established policy in the State Council to create conditions to build an OTC market and form a mechanism for quotation and transfer of shares of unlisted companies under unified supervision. The CPC Central Committee and the State Council have incorporated the development and opening-up of Tianjin Binhai New Area into the national development strategy layout, and the State Council has approved Tianjin Binhai New Area as a national comprehensive reform pilot zone, and made financial reform the focus of reform. On March 13th, 2008, the State Council officially approved the "Overall Plan for the Comprehensive Reform of Tianjin Binhai New Area", proposing that "it is necessary to create conditions for the establishment of a national unlisted public company equity trading market in Tianjin Binhai New Area". It is understood that this reform is being carried out quickly. Shanghai will gradually become an international financial center. Beijing, as the capital of China, is actually the financial decision-making management center of China. Tianjin will build an over-the-counter trading market, and other big cities will play an important role in the regional financial market. China has a vast territory and a growing economic aggregate. Under the unified planning of the state, we should give full play to the role of relevant cities and jointly promote the reform and development of China’s modern financial industry.

　　● The Social Security Fund does not directly invest in a single stock, and there is no so-called insider information source. It independently conducts investment business in accordance with relevant regulations.

　　Reporter: You have always stressed that social security funds should pursue the concepts of long-term investment, value investment and responsible investment. Recently, you also said that the Social Security Fund will do what we should do in the stable development of the stock market. Can you elaborate on the role played by social security funds in the stock market in recent years? Will the social security fund change in the way or proportion of stock investment in the future?

　　Dai Xianglong: On September 25th, 2000, the CPC Central Committee and the State Council announced their decision to establish the National Social Security Fund and set up the National Social Security Fund Council to manage and operate this fund. The National Social Security Fund is a central strategic reserve, which is mainly used to cope with the pressure that pensions can’t cover their expenses during the peak period of China’s aging. The fund comes from the central financial allocation, the income from the reduction of state-owned shares and the transfer of shares, part of the lottery public welfare fund, investment income, etc., and invests in fixed-income products, stocks and industrial investment. The national social security fund has formed a unique investment concept and style: First, it insists on long-term investment. In a long period of time, the state has no major expenditure arrangements for social security funds, and social security funds have always insisted on obtaining stable and high returns through long-term investment. The second is to insist on value investment. Social security fund investment has no so-called inside information, based on the analysis of financial market trends, investing in diversified financial products with high current and potential returns. The third is to insist on responsible investment. The investment decision of social security fund should not only ensure the preservation and appreciation of the fund, but also maintain the stability of financial market and promote the economic development of enterprises and regions. By the end of 2007, the total assets of the national social security fund were more than 500 billion yuan, and the average annual rate of return in the past five years was 10.7%. It is predicted that the total assets will exceed 1 trillion yuan by 2010.

　　Pensions in all countries are an important source of investment in the capital market and an important pillar to stabilize the stock market. There are more than $20 trillion in global pensions, accounting for a quarter of the global capital market. At the end of 2007, the national social insurance assets were 1.5 trillion yuan, the total assets of commercial insurance companies were close to 3 trillion yuan, and the urban and rural savings were 17.6 trillion yuan, and the ability to invest in the capital market was continuously enhanced. The national social security fund has played an important role in the development and stability of the capital market: first, the total investment has been increasing. At the end of 2007, the social security fund invested 485.4 billion yuan in stocks and various financial products with a term of more than one year, accounting for 95% of all assets, including 181.6 billion yuan in domestic and foreign stocks. The second is to insist on long-term investment. Especially when the stock market is depressed, it can show the stabilizing effect of social security fund on the stock market. The third is to promote the standardized operation of the fund industry. So far, we have selected 10 fund management companies as investment managers of the national social security fund to promote the fund management companies to continuously improve their management level. Fourth, the social security fund directly invested in enterprises and invested more than 40 billion yuan in equity investment funds to participate in the management of companies, which promoted the improvement of the governance structure of listed companies. With the strengthening of the national social security fund, we will play a greater role in promoting the development of the capital market.

　　Social security fund has gained some experience in improving investment management. The social security fund will invest in domestic and foreign stocks and some bonds, and implement entrusted management through open market competition for asset management companies. At the same time, the total amount of investment in various financial products shall be controlled in proportion, the proportion of investment in five years and each year shall be defined, the rolling operation shall be carried out, and fine-tuning shall be carried out quarterly within the allowable range. Practice has proved that the above investment management methods are effective. The Social Security Fund does not directly invest in a single stock, and there is no so-called insider information source. It independently conducts investment business in accordance with national laws and regulations and market supervision regulations, and in accordance with the National Social Security Fund Investment Management Regulations formulated by relevant departments in the State Council. Now, due to the stock market downturn, stock investment has been within the internal control ratio. I believe that our investment managers will definitely adhere to the concepts of long-term investment, value investment and responsible investment, and correctly handle the relationship between investment and risk. Doing so can not only maintain the stability of the stock market, but also meet the interests of the social security fund.

　　● The development of equity investment funds is conducive to converting some corporate and individual deposits into capital, reducing international capital inflows and alleviating the pressure of RMB appreciation.

　　Reporter: Under your impetus, China’s first industrial investment fund-Bohai Industrial Fund was established in Tianjin in 2006. In April this year, the State Council approved the National Social Security Fund to invest in industrial funds and equity investment funds; Recently, the Social Security Fund has invested 4 billion yuan in Xiang Ding Hui and Hongyi Funds. So, what role do you think equity investment funds can play in the development of capital market? What problems need to be solved in the current development of equity funds? Next, what are the plans of the social security fund in the investment of equity funds? Are you considering launching new funds and fund management companies with social security funds as the leading factor?

　　Dai Xianglong: Equity investment fund is a combination of capital and wisdom, which has a special function in promoting the development of capital market. The development of equity investment funds is an urgent need for enterprises to expand their capital, for investors to maintain and increase their value, for improving the capital market and for improving macro-financial regulation. As a developing country, China is not well-off in social funds. The current excess liquidity is due to insufficient capital formation, excessive credit capacity and unreasonable social capital structure. The development of equity investment funds is conducive to converting some corporate and individual deposits into capital, reducing international capital inflows and alleviating the pressure of RMB appreciation. At present, the development of equity funds should focus on studying and solving the following problems:

　　First, speed up the pilot reform. As early as 1997, the central government requested the formulation of industrial investment funds. Over the years, relevant departments have done a lot of work, but overall, the progress is slow. The industrial investment fund pilot working group led by the National Development and Reform Commission has been established for more than eight months, and the relevant work is progressing smoothly. We hope that the pilot working group will report the "Overall Plan for Industrial Investment Fund Pilot" as soon as possible, strengthen the guidance for the pilot work, and speed up the approval of relevant funds.

　　Second, measures for the management of equity investment funds should be introduced as soon as possible. The registration, management, transaction and taxation of equity funds shall be stipulated according to law, the supervision system shall be improved, and favorable conditions shall be provided for the development of equity funds in terms of investment and withdrawal. There are many administrative departments in China. Due to historical reasons and different angles, the same noun with the same basic attribute has different expressions in different departments, which often affects the promotion of related work. The operating principles of industrial investment funds and equity investment funds are basically the same, and equity investment funds are often referred to as private equity investment funds. Therefore, I suggest that industrial investment funds and private equity investment funds can be collectively referred to as "equity investment funds" in China at present, and corresponding management regulations or measures should be formulated as soon as possible. In terms of the establishment method of equity investment funds, the requirements for the establishment of corporate system, trust system and partnership system and the tax system are stipulated according to law, which are independently selected by investors.

　　Third, actively cultivate fund management professionals. At present, the development of equity investment funds is not a lack of money, but a lack of excellent management talents. It is necessary to speed up the training of senior talents in fund management, and appropriately set up Sino-foreign joint ventures or wholly foreign-owned equity investment fund management companies.

　　The National Social Security Fund will sum up the past experience of participating in launching a number of industrial investment funds, apply the policy that the State Council has given us that the total investment in equity investment funds can reach 10% of the total capital, and give full play to the role of social security funds in promoting equity investment funds. We will formulate measures for the management of social security funds investing in equity funds, select and hire fund management teams in an open, fair and equitable manner, and focus on investing in growing small and medium-sized enterprises. If the market needs it, we will consider setting up a new equity investment fund and its management company led by the National Social Security Fund, and compete reasonably with its peers in business development according to law.

　　● In the face of large fluctuations in the stock market, the social security fund will continue to adhere to the original investment philosophy and investment management methods, and stabilize the proportion of investment in stocks.

　　Reporter: In the past five years, the rate of return of the national social security fund was much higher than the inflation rate in the same period, achieving the goal of maintaining and increasing value. Especially in 2007, due to the proper investment strategy and the sharp rise of the stock market, the social security fund has realized income of 108.4 billion yuan. Judging from the situation this year, the performance of the stock market is not satisfactory. Can the social security fund continue to achieve better returns and what adjustments will be made in its investment strategy?

　　Dai Xianglong: Due to the changes in the financial market and investment structure, the investment returns of pension funds around the world fluctuate every year. Since last year, due to the global stock market decline, the return on pension investment in various countries has generally declined, and many funds have also suffered large losses. In 2007, the social security fund achieved a high income, but it can not be simply regarded as a one-year income, but the result of the long-term asset allocation of the social security fund during 2003-2006, and the result of the long-term investment goal of the social security fund. According to the minimum risk control requirement that the social security fund will not lose money on average for five years, the high income in 2007 will also bear the market risks and investment losses this year and in the future.

　　On June 30th, 2008, the stock markets of Shanghai Stock Exchange and Shenzhen Stock Exchange dropped by 48% and 45% respectively compared with the end of last year. This year is the first year that the Social Security Fund will implement the new Accounting Standards for Business Enterprises. Changes in the market value of trading products should be included in profit and loss accounting. The social security fund invests in stocks according to the prescribed proportion, and the decline in the market value of the stocks it holds is much lower than that of the Shanghai Composite Index in the same period. Nevertheless, the realized income of the social security fund in the first half of the year can’t offset the shrinkage of stock assets in the first half of the year, and the annual operating income of the social security fund is facing serious challenges.

　　To analyze and evaluate the investment performance of social security funds depends on the long-term results, and the fluctuation of short-term performance cannot and should not be used as the basis for evaluating the investment performance of social security funds. In the face of large fluctuations in the stock market, the social security fund will continue to adhere to the original investment philosophy and investment management methods, continue to adhere to the requirements of the established strategic asset allocation and annual tactical asset allocation, and the proportion of large-scale asset allocation will not change much. We will stabilize the proportion of investment in stocks, increase investment in fixed-income products, increase investment in direct investment in enterprises and equity investment funds, enhance the resilience of trading products, withstand the pressure of market fluctuations, and lay a good foundation for better investment returns in the next year. (Reporter Shi Mingshen Tian Junrong Xu Zhifeng)

Editor: Zhang Renhe

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　　Cctv news: On July 29th, the State Council held a press conference on "Opinions on Deepening the Reform of Fire Law Enforcement". Shang Yong, Vice Minister of Emergency Management Department, introduced that the market access restrictions of fire protection products should be relaxed, 13 types of fire protection products in the compulsory product certification catalogue should be adjusted out of the catalogue and changed to voluntary certification, and the market for fire protection product certification and inspection should be opened to the public.

　　When answering a reporter’s question, Danfu Liu, director of the Certification and Supervision Department of the General Administration of Market Supervision, said that transferring 13 kinds of fire-fighting products out of the compulsory product certification catalogue is actually to handle the relationship between the government and the market, so that the market can play a decisive role in resource allocation and better play the role of the government.　　

　　Quality certification is an internationally accepted quality management tool and trade facilitation tool. It is the "physical examination certificate" of quality management, the "letter of credit" of market economy and the "passport" of international trade. Its essential attribute is to convey trust and service development.

　　The State Council attaches great importance to quality certification. In particular, on January 17, 2018, the State Council’s Opinions on Strengthening the Construction of Quality Certification System and Promoting Total Quality Management (Guo Fa [2018] No.3) was issued, which made a comprehensive deployment of quality certification. One of them clearly deployed the reform of compulsory product certification system, requiring "to exert the role of compulsory certification as a" bottom line ",follow the rules of the World Trade Organization, and follow the principles of necessity and minimization. According to the product risk level and industrial maturity, establish a dynamic adjustment mechanism for the certification catalogue. " Therefore, the transfer of 13 kinds of fire-fighting products out of the compulsory product certification catalogue this time is also the implementation of the spirit of the State Council’s "streamline administration, delegate power, strengthen regulation and improve services" reform and the requirements for quality certification.

　　Compulsory product certification is a management system with the nature of market access. If the products listed in the catalogue are not certified, they cannot leave the factory, sell or import, and cannot be used in business activities. The 13 products transferred this time, such as fire hoses, fire engines and other products, are basically used by fire departments and professionals, and some have less direct contact with consumers and relatively stable quality. According to statistics, through the reform, it is estimated that 70,000 compulsory product certification certificates will be reduced, involving more than 10,000 enterprises. Such measures can greatly reduce the institutional transaction costs of fire protection products manufacturers. The General Administration of Market Supervision and the Emergency Management Department jointly issued the Announcement on Cancellation of Compulsory Certification of Some Fire Protection Products (No.36 of 2019), and the website has been published.

　　At present, only three kinds of products, such as fire alarm products, fire extinguishers and escape products, which are directly related to personal safety, are kept in the catalogue. After the reform, how to ensure the quality and safety of fire protection products, the General Administration of Market Supervision and the Emergency Management Department will focus on three tasks:

　　First, the market supervision department and the fire department will continue to strengthen the supervision after the event, supervise and manage the production, circulation and use of fire protection products without compulsory certification according to the division of responsibilities, and take support measures to encourage enterprises to carry out voluntary certification.

　　Second, the market supervision department will further strengthen the supervision of CCC certification for fire-fighting products that retain compulsory certification, concentrate the advantages of comprehensive market supervision, innovate the supervision methods, and focus on investigating and dealing with the behaviors of leaving the factory, selling or importing without CCC certification, as well as forging, fraudulently using or buying and selling CCC certification certificates, so as to ensure that CCC certification "ensures safety" and "guarantees the bottom line".

　　The third is to strengthen supervision over certification activities. Highlight the main responsibility of certification bodies, strengthen the supervision and law enforcement of government departments, strengthen supervision over fire product certification activities, and at the same time give play to the supervisory role of all sectors of society, including the media, effectively safeguard a good and fair market environment and ensure the effectiveness and credibility of the fire product certification system.

　　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.