Compared with many old people who have lost their money in investment collection, Li Mingsheng (a pseudonym), a 70-year-old man, is lucky: after two trials, he finally got back more than 170,000 yuan of investment money from an "international cultural communication company". The key point is that the investment product he bought from the "cultural communication company" was RMB in circulation at that time, but according to the law, it is forbidden to buy or sell RMB in circulation, so the contract between the two parties was invalid from the beginning. The Tongzhou court judge who participated in the trial told reporters that as long as similar incidents enter the judicial process, the judgments will be consistent.

　　Very "old-fashioned" to buy collections at high prices, etc.

　　Li Mingsheng is old and has been living alone. After working hard all his life, he saved 200 thousand yuan, which was intended as the living expenses for the elderly. In June and July of 2017, an international cultural communication company distributed small gifts to the elderly in the past near a building in Tongzhou District to attract the elderly to attend classes in the company. "They have been saying that they can get high profits by buying their company’s RMB products, and they have been fooling me into buying their bound RMB products." According to Mr. Li Lao, this company is "fraudulent" because they "fraudulently use the collection certificate with the logo of the People’s Bank of China" and falsely claim that it is a binding collection product issued by the official authority of the People’s Bank of China.

　　After listening to such a "course", Li Mingsheng bought the fourth set of RMB "Treasures of the Country" and the fifth set of RMB "Treasures of Paper Money" twice, which cost a total of 172,000 yuan. In addition, he bought a third set of RMB "Small Complete Set", which cost 7,000 yuan. When he bought these products, the fourth and fifth sets of RMB were still in circulation, but the third set of RMB had withdrawn from the circulation field.

　　Li Mingsheng had no idea after spending the money. When he went to the bank for consultation, he was told that the People’s Bank of China had never issued a collection certificate that the company showed him, and the People’s Bank of China only sold RMB products in designated licensed institutions, and never entrusted this cultural company to sell RMB products. He immediately regretted it and asked the other party to refund the money he bought the product. However, the cultural company took out the contract, which clearly stated that "no refund will be given if there is no quality problem". In desperation, Li Mingsheng sued the other party to the court.

　　Fortunately, the court ruled that the contract between the two parties was invalid from the beginning.

　　The Tongzhou court heard the case. The cultural company admitted that when it sold Li Mingsheng’s RMB collection, it did not obtain a license to operate and circulate RMB.

　　On March 20th last year, that is, before the court session after purchasing the products, the People’s Bank of China issued an announcement and decided to stop the circulation of the fourth set of RMB from May 1st, 2018. For this case, the content of this announcement is related to the ownership of nearly 160,000 yuan.

　　Liu Yunfei, an assistant judge who participated in the trial, said that the products purchased by Li Mingsheng included the fourth and fifth sets of RMB, both of which were RMB in circulation at the time of the transaction between the two parties. The binding of such RMB in circulation should be approved by the People’s Bank of China, and the cultural company did not obtain a license. The business behavior violated the provisions of the RMB management regulations and was an illegal act of buying and selling RMB in circulation. "In the regulations on the administration of RMB, it is expressly forbidden to illegally trade and circulate RMB. Therefore, the fourth set of RMB" Treasure of the Country "and the fifth set of RMB" Treasure of Paper Money "sold by cultural companies are all products prohibited by law."

　　In the defense opinion submitted by the cultural company, it is said that the fourth set of RMB has been withdrawn from circulation during the trial of the case, and new laws and administrative regulations should be applied.

　　The court said that the withdrawal of the fourth set of RMB from circulation occurred after the trading behavior of both parties, and it did not have the effect of retrospective behavior, and the invalid contract was not legally binding from the beginning.

　　To this end, the court made a judgment according to law, confirming that the act of buying and selling the fourth and fifth sets of RMB between the plaintiff Li Mingsheng and the defendant cultural company was invalid; The cultural company refunded the price of 172,000 yuan and paid interest, and the plaintiff returned the corresponding products.

　　It’s dangerous. Old people should be more careful when investing in collectibles.

　　The cultural company appealed to Beijing No.3 Intermediate People’s Court. After the trial, the Third Intermediate People’s Court held that the cultural company did not obtain the corresponding license, which disturbed the state’s management of RMB, dismissed the appeal and upheld the original judgment.

　　Liu Yunfei, an assistant judge, said, "In similar cases we have tried, many old people have very similar experiences. First, they were lured by small gifts ‘ Class ’ , by ‘ Lecturer ’ We had a fabulous meal ‘ Teaching ’ After that, it will be attracted by high interest rates or high future increases, and there will be such things as ‘ Repurchase ’ Confidence guarantee, and finally put all the pension money into it. It is hard to say whether you can recover the money after you have made a complaint or prosecution. "

　　When people buy RMB collectibles for the appreciation of financial management, they must be careful not to buy or sell RMB in circulation. When collecting and buying RMB collections, we should not only abide by the relevant provisions of the law, but also measure the economic benefits. Even if we buy RMB collections that have withdrawn from circulation, we should be more careful and consider whether the collections we buy can really increase as much as their operators say in the foreseeable future.

　　Liu Yunfei explained that this time, the old man Li Mingsheng happened to buy a product that was prohibited by laws and regulations. From the initial stage, it was illegal, and the contract was invalid, so he could be confirmed as an invalid contract and get his money back. Otherwise, as a person with full capacity for civil conduct, the signed contract must be respected unless it can be proved that the other party has cheated or threatened in signing the contract. Considering that it is very difficult for an individual and an elderly person to find such evidence in the face of a company specializing in this business. (Reporter An Ran)

　　Professor Jonathan Adams, School of Geography and Marine Science, Nanjing University:

　　Sun Hongwu, vice president and researcher of Jiangsu Academy of Agricultural Sciences:

　　Sheng Jing, Executive Deputy Director of Jiangsu Biodiversity Cultivation and Utilization Center:

　　"National Model of Poverty Alleviation" Zhao Yafu：Towards a new era of high-quality and sustainable development of agriculture.

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The exterior design of BMW i4 shows the futuristic and sporty style. The front face adopts the iconic kidney-shaped air intake grille, but after modern treatment, it looks sharper and full of technology. The body lines are smooth, and the overall style emphasizes aerodynamic optimization, making it more stable at high speed. At the same time, the waistline design and dynamic wheels on the side of the car body further highlight its sports characteristics.

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　　On the afternoon of September 29,Yangzhou cityHold a press conference on the information of the elderly population and the development of the cause of the elderly in 2021. How to deal with the aging population, how to improve the old-age service, and how to adjust the pension insurance for retirees … … The hot topics concerned by these citizens were answered at the meeting.

　　It is reported that Yangzhou will further improve the old-age security system, the old-age service system and the health support system, strive to create a friendly social environment for the elderly, and further enhance the sense of acquisition, happiness and security of the elderly.

Comic Shen Jiangjiang

　　Solve the aging of the population

　　Be kind to the "old" and increase the "small" to realize the new promotion of old-age care and nursery.

　　According to Jiang Hongbin, member of the Party Committee of the Municipal Health and Health Commission, by the end of 2021, there were 1,198,500 permanent elderly people aged 60 and above in the city, accounting for 26.19% of the permanent population; There are 962,700 permanent residents aged 65 and above, accounting for 21.03% of the permanent population; There are 177,000 elderly people aged 80 and above and 497 centenarians. The resident elderly population aged 60 and over and 65 and over in the city are 4.04 and 3.99 percentage points higher than that in the whole province, and 7.29 and 6.83 percentage points higher than that in the whole country.

　　Focusing on coping with the aging of the population, Yangzhou City combined with the two major issues of "one old and one small" which are highly concerned by the society, made overall consideration and overall solution, focused on the shortcomings and weaknesses in the field of old-age care and childcare, and put forward 25 key tasks, bringing together the government, society, market and family forces to build, share and participate in multiple ways, and jointly create a new pattern of high-quality development of old-age care and childcare services.

　　In the field of old-age care, by 2025, Yangzhou will achieve 100% completion rate of urban street comprehensive old-age care service centers, with more than 40 beds per thousand elderly people, 72% health management rate of elderly people over 65 years old, 85% geriatrics department of public general hospitals above the second level, more than 60% financial investment in old-age care, and 153 demonstration old-age care communities, so as to solidly improve the level of public services for the elderly.

　　In the field of child care, by 2025, Yangzhou will form a "1+6+N" diversified and diversified infant care service system covering urban and rural areas, achieving the goal of 4.5 places for infants under 3 years old per thousand people and 95% for children aged 0-3 years old, effectively alleviating the worries of "not daring to have children".

　　Innovate the concept of providing for the aged

　　Every county (city, district) has full coverage of medical and nursing institutions.

　　Focusing on improving the old-age service system, in recent years, Yangzhou has focused on the construction of caring communities, giving full play to the ecological and humanistic advantages of Yangzhou, vigorously promoting the construction of a high-quality caring city, and creating a safe and healthy environment of "hearing the local accent and meeting acquaintances" to continuously improve the happiness and satisfaction of the elderly. This year, Yangzhou City was successfully selected as the national home and community basic old-age service promotion action project area in 2022.

　　Yangzhou innovatively put forward the "3+" concept of "community+","medical care+"and "park+pension" to further improve the construction of community home-based pension service facilities and effectively meet the needs of the elderly for the elderly. In order to meet the basic needs of the elderly in familiar environment and at home, in recent years, 18 street day care centers, 12 street pension complexes and 1416 home community pension service stations have been newly built, and the "15-minute pension service circle" in urban areas has gradually taken shape. Starting from the actual needs of the elderly, 4,426 families of the elderly have been transformed into aging, which will further solve the basic needs of the elderly, improve their living environment and enhance their safety and convenience.

　　The Municipal People’s Congress promulgated the Regulations of Yangzhou Municipality on Home Care for the Aged, which came into effect on September 1, 2021. There are 31 newly-built retirement communities and 6 street comprehensive retirement service centers in the city. By the end of 2021, there will be 124 retirement communities in the city, and the proportion of elderly people who accept home-based retirement services purchased by the government is over 13%. There are 116 old-age care institutions in the city, with 22,300 beds, including 15,100 nursing beds, accounting for 67.8% of the total number of old-age care institutions; The city has upgraded and upgraded eight standardized rural regional pension service centers, and seven pension institutions, including Baoying Anyi Nursing Home and Yizheng Yuetang Nursing Home, have realized public construction and private operation.

　　Since 2018, the promotion of the construction of medical and nursing integration institutions has been incorporated into the people’s livelihood. In that year, the full coverage of one medical and nursing integration institution was achieved in each county (city, district). Up to now, every county (city, district) has reached one institution combining medical care with nursing care, and there are 32 institutions combining medical care with nursing care in the whole city. Promote the integration of medical care and nursing care in various forms, solve the problem that nursing homes can’t see a doctor and hospitals can’t provide for the elderly, and better solve the needs of the elderly for healthy old-age care.

　　Raise the pension

　　Guarantee life, stabilize people’s livelihood and enhance people’s sense of gain.

　　As an important basic livelihood system, endowment insurance concerns the vital interests of the broad masses of the people. The pension adjustment for retirees of enterprises, institutions and institutions in Yangzhou in 2022 was successfully completed on July 25th, benefiting a total of 587,500 retirees. The replacement amount has been fully paid, and will be paid according to the adjusted pension from August.

　　The basic pensions of 500,400 employees (retired or receiving regular living expenses) in the city have been adjusted. Before the adjustment, the per capita pension was 2,278 yuan/month, and after the adjustment, it was 2,419 yuan/month, with a per capita increase of 141 yuan and a per capita increase of 6.22%. The minimum standard of basic old-age insurance for urban and rural residents in the city has been raised from 175 yuan per person per month to 205 yuan. 115 enterprises in the city have formulated enterprise annuity plans, covering a total of 28,500 employees, and the scale of enterprise annuity funds has reached 572 million yuan.

　　In terms of medical security, by the end of 2021, there were 4.29 million people participating in the basic medical insurance in the city, including 1.631 million employees’ medical insurance and 2.659 million residents’ medical insurance. All eligible elderly people were included in the basic medical insurance system. More than 1 million people participated in the long-term care insurance in urban areas, and 4,559 people applied for treatment and disability assessment were accepted. 19 batches of disability assessment results were completed, and 3,197 people were confirmed to meet the severe disability standards, and nearly 20,000 people received long-term care insurance benefits, with a total fund expenditure of more than 10 million yuan.

　　(Source: Yangzhou Publishing)

On September 12th, the 2024 model was officially launched, with a price of 249,800-329,800 yuan. Compared with the old model, the price has been lowered, and a five-seat model has been added, and now it is decided that it can enjoy the car purchase rights of 33,000 yuan. We also experienced the real car at the store for the first time. Let’s take a look.

In terms of appearance, the new model M7 is similar to the old model in design. The front face still adopts a large-size air intake grille, which is decorated with banner chrome trim strips. Above it, there is a penetrating light belt and a middle logo that penetrate and connect the headlight groups on both sides. The intelligent driving version adds a laser radar to the roof.

The side lines of the car body are quite satisfactory, and the shape is fashionable and sporty. The new M7 provides electric side pedals and electric suction doors, which further enhances the luxury attributes of the vehicle. The door handle is designed in a hidden way, with 21-inch wheels under it, which looks more sporty. The body size is 5020/1945/1760mm, and the wheelbase is 2820mm. The rear of the car still uses penetrating taillights, and the whole rear of the car has no special design, which is very simple.

As for the interior, the new model still maintains the design style of the old model. The central control panel is equipped with a 10.25-inch full LCD instrument and a 15.6-inch 2K HDR central control panel, equipped with Harmonyos OS system and Kirin 990a chip. The brand-new M7 has basically integrated into Huawei’s ecology this time, and the use of interior is more advanced, further enhancing the sense of advanced interior. In terms of space, the 6-seat version has been retained, but the new model has been optimized, the trunk space has been significantly improved, and the 5-seat version has been added, making the rear space more practical. The launch of the 5-seat version has also met the needs of most consumers, and the product strength has been further enhanced.

In terms of power, the new M7 is equipped with a 1.5T engine as the range extender, with a maximum power of 112kw. It is still equipped with an electronically controlled four-wheel drive system consisting of a rear single motor or front and rear dual motors. The total motor power is 200kw and 330kw, and the maximum torque is 360N·m and 660 N m. The battery capacity of the vehicle is 40kW, and the pure electric cruising range under CLTC condition is 210km and 240km, with a comprehensive cruising range of 1,200.

Summary: Through the above experience, we can see that the product strength of the 2024 model M7 has been improved, and the configuration has been upgraded and the price has been lowered, which meets the needs of most consumers. With the help of Huawei’s high popularity, the subsequent sales increase will be of great help. So do you think that the M7 model will be popular? Welcome everyone to leave a comment.