9. Naoki Banze series

　　Douban score: 9.2 for the first part and 9.4 for the second part.

　　The play tells the story of Naoki Nakazawa, the second head of the business department of Nisosaka Sub-branch of the Central Bank of Tokyo. After the collapse of the bubble economy, Naoki took on the responsibility of huge losses and accepted the punishment to work in the head office of the Central Bank of Tokyo. While dealing with the factional struggle within the head office, he carried out his own beliefs and saved huge losses for the bank.

　　Detailed implementation rules of Tianjin Water Supply Group Co., Ltd. on implementing ladder water price for residential water use

　　Tianjin North Network News:According to the requirements of the Notice of the Municipal Development and Reform Commission on the implementation of ladder water price for residents in our city (J.F.R.C. [2015] No.986), these detailed rules are formulated.

　　I. Principles of implementation

　　The residential ladder water price shall be implemented according to the residential ladder water price determined by the municipal price department and the implementation time requirements.

　　Second, the implementation time

　　The residential ladder water price has been implemented since November 1, 2015.

　　Third, the scope of implementation

　　"One household, one meter" residential users in six districts of the city, four districts around the city and Jinghai area implement ladder water prices.

　　Four, the "household" identification criteria

　　1. In principle, the residential ladder water price is based on household users, and the family residence corresponding to a property certificate is one household; If there is no property certificate, the water meter installed by the water supply enterprise for residents shall prevail.

　　2. For a multi-meter user with one household, the water consumption shall be calculated by household.

　　3. For meters with tap water instead of reclaimed water, the meters shall be managed by one household and the water consumption shall be calculated by households.

　　Five, a multi-population ladder water price and water base nuclear increase procedures for the measures

　　1, indoor population of 4 people and less than 4 people do not need to apply for water base nuclear increase procedures.

　　2. Resident users with an indoor population of more than 4 people can apply for the procedures of increasing the water consumption base before the end of the measurement cycle, with the original residence booklet of this Municipality or the actual residence certificate provided by the neighborhood (village) committee, the original ID card of the handling personnel and my contact telephone number and other materials, to apply for it in the water supply service business hall in the residential area.

　　3, the same family members can only apply for a set of real estate water base nuclear increase procedures, repeated applications will not be handled.

　　4. After the procedure of "one household with many people" is completed, the water base is valid for 4 years, and residents should go to the water supply enterprise for the renewal procedure of "one household with many people" two months before the expiration of the validity period. If it is not handled within the time limit, it will no longer be implemented according to the water policy of "one household with many people". "One household with many people" users should go through the formalities of population increase or decrease in the water supply service business hall in the residential area if there is any change within the validity period of 4 years.

　　Six, residential ladder water price measurement cycle, accounting methods, grading water and price.

　　(1) Measurement cycle

　　Residents’ step-by-step water consumption is measured according to the annual cycle. When the annual cumulative water consumption reaches the critical point of the step-by-step water consumption base, the step price increase will be implemented. The measurement cycle of ladder water price is from November 1st of each year to October 31st of the following year, and it is not accumulated or carried forward between annual cycles.

　　(2) Accounting methods

　　1, mechanical meter or remote meter residents to implement the accounting method of ladder water price.

　　(1) Calculate the ladder water consumption and ladder water fee according to the accumulated water quantity of each meter reading in the metering cycle.

　　(2) Since the implementation date of the ladder water price, the water supply enterprises have accumulated the water consumption in the current metering cycle from the copied water quantity in the second meter reading cycle, and conducted the ladder water fee accounting. That is, users who read meters in a single month will start to calculate the stepped water volume based on the water volume read in January 2016; Users who read the meter every two months will start to calculate the ladder water quantity based on the water quantity read in February 2016.

　　2, IC card table residents to implement the accounting method of ladder water price.

　　(1) Calculate the ladder water consumption and ladder water fee according to the accumulated water purchase amount in the metering period. That is, from November 1, 2015, the ladder water quantity accounting will be started based on the user’s water purchase quantity.

　　(2)IC card meter users can purchase water as needed in the metering cycle. In principle, the amount of water purchased in a single water form shall not exceed the first step water base of the current metering cycle at most.

　　(3) Graded water quantity and price

　　The water consumption of residential ladder water price users in each metering cycle is divided into three levels, and the water price is graded and increased.

　　1, the indoor population of 4 people and 4 people below the family classification of water quantity and price:

　　2. For families with more than 4 people, the annual water consumption of each step will increase by 36 cubic meters for each additional person.

　　Seven, for a small number of residents who do not have the measurement conditions of "one household, one meter", the ladder water price will not be implemented for the time being, and the first ladder water price will be implemented.

　　8. For non-resident users (including schools, nursing homes and social welfare institutions approved by civil affairs departments) who implement the price of domestic water, the water price shall be 5.55 yuan per cubic meter in accordance with the provisions of the document.

　　Nine, residential users due to the transfer of housing (such as inheritance, sale, gift, etc.) when property rights change, should be to the housing area water supply business hall for name change transfer procedures, after the change, re-approved measurement cycle and ladder water base, and from the next meter reading cycle began to step water consumption and ladder water fee accounting.

　　Ten, the implementation of the ladder water price of residential users because of the rental relationship, water supply enterprises according to the original user ladder water consumption accumulation, not because of the change of user lease relationship and re approved ladder water base.

　　Eleven, give full consideration to the affordability of poor families in our city, and their basic living standards will not be reduced because of the implementation of the ladder water price system. For four types of user groups with annual water consumption exceeding the first ladder base, such as low-income households, poor households, low-income households and key entitled groups, the water fee beyond the first ladder will be paid first and then returned. The above-mentioned users shall, with the proof issued by the street office or neighborhood committee where the residence is located, their ID card and the water fee payment voucher, go to the water supply service business hall in their respective region for the return of the water fee exceeding part of the ladder in the previous metering period in the next year.

　　If you need further consultation, you can call Tianjin convenience service hotline 88908890 or Tianjin water supply hotline 96655 and the water supply service business hall in your area.

　　Tianjin tap water group co., ltd

　　October 30, 2015

After raising colorful succulents, contemporary college students have opened up a new way to raise them. Under the prevention and control of the epidemic, they filled their own hands-on skills and created a variety of "new pets" with the abandoned express box. From the puppy who just started to pursue cute carton, to the kitten who followed, college students with wide brains were immersed in the enthusiasm of carton creation. However, is the craze for carton pets just a boring pastime for college students in epidemic prevention life? Or are young people exploring new social ways? Devote your heart to the original inanimate carton pet, as if Poincare, who was obsessed with "electronic pets" a long time ago, reappeared. What is the inner desire of young people behind this?

author　| taming dusk

read and edit　| Time

edit　| Peninsula

source　| zhizhu. com

"College students are raising something very new."

After raising colorful succulents, contemporary college students have opened up a new way to raise them. Perhaps it has been hit by the failure of feeding again and again, and this time they will focus on "things that will never die".

Under the prevention and control of the epidemic, they filled their own hands-on skills and created a variety of "new pets" with the abandoned express box.

△ The cute "paper dog" made by netizens comes from coconut (Little Red Book)

From the adorable puppy in the carton at the beginning to the kitten in the carton that followed, netizens lamented the worrying mental state of young people on the one hand, and appreciated the practical ability of college students on the other.

College students, with their brains wide open, found a new way of living in the enthusiasm of carton creation, and then this wave will never return in an increasingly outrageous direction.

△ "Carton loong" made by netizens

Adhering to the spirit of "innovation first", groups of college students started new operations: lifelike loong, cute Gary the Snail in Spongebob, and various elves in Pokémon.

As if the next second, they will take out the fairy ball and say to others, "It’s you, cardboard box Pikachu!" "

△ The cardboard box Pikaqiu made by netizens comes from: POI. The point of interest of Bai Bailu (Little Red Book)

There are also "flying puppies" equipped with high-end technology; And the "cardboard box dinosaur" drifting in the bedroom.

In this paper dog carnival, everyone’s enthusiasm for participating is getting higher and higher, and the results are getting richer and richer, which provides a new expression for youth under the epidemic.

△ "Flying" paper dog equipped with drone, from Xiaochai Popcorn (Tik Tok)

However, is the craze for carton pets just a boring pastime for college students in epidemic prevention life? Or are young people exploring new social ways?

Devote your heart to the original inanimate carton pet, as if Poincare, who was obsessed with "electronic pets" a long time ago, reappeared. What is the inner desire of young people behind this?

The Creation of "Hands" —— "Fantastic animals are here"

Carton puppies were originally a way for college students to entertain themselves under the prevention and control of epidemic situation. These most creative and energetic people, under the limited conditions, re-created the abandoned cartons, which started a trend carnival of manual creation.

"Invigorating" is one of the epitome of contemporary young people’s pursuit of individuality and uniqueness. When these carton pets become a popular symbol, batches of "magical animals" naturally become the material carriers of their innovative spirit and pursuit of individuality.

△ The "carton pet" of a large family comes from urgency.

(Little Red Book)

At the same time, college students’ love for "magical animals" also comes from psychological compensation, which is short of reality. Due to economic conditions, family factors and other practical problems, many young people are in a state of helplessness about keeping pets.

Who hasn’t imagined that after a hard day, going home to touch their "hairy children" and watching their lazy and lovely posture, the whole person has also been cured.

△ "Carton Cat" eats online, from Wu Yang (Little Red Book)

Nowadays, carton pets provide poor college students with a new way out: you can get a "Bai Piao" pet through your own hands. Why not? Of course, it could be a bunch of pets.

Moreover, their love for "magical animals" does not stop at the level of playthings. They will carefully prepare appliances for these pets, such as feeding basins, pet toilets and so on.These wordless children are endowed with humanity and the meaning of life. They are cared for, remembered and equally devoted to their feelings, which has become a new anthropomorphic choice.

The Response of "Mutual Sight"-"Social Determination"

In fact, college students don’t just regard these carton pets as their private collections. When they can’t get in touch with more living children due to realistic conditions, they transfer their original feelings about living things to these creations. They find out new ways of entertainment by dealing with "dogs" and derive a new way of socializing.

As a result, walking dogs in groups on the playground, online marriage for their paper dogs, competing whose pets are cuter,Together, these have become a group social consensus and cultural participation. Everyone tacitly agrees with this silly but cute way to create a free space that is not disturbed.

△ Students who are walking "paper dogs" on the playground

Of course, many people exclaimed, "It’s hard not to doubt the mental state of college students". Similar to the popular "crazy literature" at present, when young people face realistic difficulties and anxiety, interesting responses are not only the unique cultural characteristics of our generation, but also the emotional expression of taking pains.

In the process of walking the puppy in the cardboard box, we are eager to have more real contact with our friends and try to fill the loneliness from reality.

At present, many young people are trapped in the predicament of being eager for socializing, afraid of loneliness and anxious. Just as Zhou Guoping said, "Loneliness is a human destiny. Love and friendship can’t eradicate it, but they can soothe it. "

Through the intermediary of carton pets, we broke through the unreality of "being a netizen", gained face-to-face social opportunities, and vented our depressed emotions in love and friendship.

△ Contemporary college students fancy walking dogs

Therefore, in the seemingly absurd dog walking and marriage, it seems that human beings have given pets the opportunity to socialize, but isn’t this our own current "social determination"?

We transfer our emotions to these "paper children", making it a mirror for us to look at ourselves. In a slightly childish way, I shook hands with a lot of uneasiness and helplessness for a while.

My dear cardboard box puppy is not only an artificial toy, but also a fragment of self-expression.

△ A variety of "carton pets"

To paraphrase a line from The Resolution to Break Up: "The best way to be a person is to borrow a part of him and communicate with him in this world."

When we were young, our emotional sustenance for toys and our special feelings for diaries in adolescence are all reflections of our lives. At some unspeakable moments, their silent companionship seemed to say, "I can be your cover when you are a deserter."

When we were children, we would exchange toys or secrets to get the chance to make new friends. Nowadays, the cardboard box puppy has also become the middleman in our new social relationship, connecting our lonely souls at one end and the response of the world at the other.

"Soul" Resonance-"Love, Life, Robot"

The function of creation lies not only in making the entity, but also in giving the subject meaning.

In mythology, God created the world and human beings, which reflected human’s desire for ability and anchored the rationality of human existence in a religious sense. In the early society, the worship of fertility by human beings gave rise to the blood and emotional ties that lasted for thousands of years. Then in the industrial society, people’s "creativity" began to swell wildly, and we constantly made new products and extended people’s value.

Today’s carton puppy is also a kind of creation in a sense, which is different from the coldness of instruments and the abstraction of artificial intelligence.It is directly related to our hands, resonates with our social interaction, and slowly combs our "fried hair" in the process of our creation.

△ "Love, Death and Robots" third season excerpt

Facing the era of information explosion and technological expansion, we need more than material satisfaction. Human beings have achieved an unprecedented material miracle, but at the same time, they feel unprecedented loneliness and self-doubt in the rapidly changing cyber landscape and the lack of real communication.

Before, people were crazy about "electronic pets", trying to find a dose of cyber medicine that can soothe loneliness in virtual electronics, but the reality is that this "non-physical" experience is only a dream after all, and it can’t meet our real needs.

△ "electronic pet" representative

In the face of this accelerated era like "drum washing machine", perhaps a silent puppy is also a good choice for us.

　"People should have illusions about love and eternity."

Similar to the emotion of the hero Theodore in the movie "Her" to Samantha, an artificial intelligence partner, human beings try to obtain a long-term relationship through advanced technology, and pin their emotions on the virtuality that transcends symbols and imagination.

But soon, T-Bag found that this emotion of fact contact is very dangerous, and the emotion lacking the object will ferment unconsciously, and eventually people will fall into a void of nothingness.

△ Selected stills of the movie "Her"

Unlike the carton puppy, he is not a "perfect companion" created by high-end technology; He may not be good-looking, let alone intelligent and feedback, but in the process of our creation, they have an indelible bond with us, as if they have become a part of our soul, or at least a part of my life.

In the rapidly changing adult world, stability is a scarce resource."The Little Prince" wrote: "You are always responsible for what you domesticate, and you are responsible for your roses." College students transfer their flowing emotions to these lovely "eternal pets", trying to draw a unique ending for emotional stability.

There is a saying in Love, Death, Robot: "There is a universe in the gravel." Although we can never escape the fact of loneliness, we can always find an adhesive to make up for the gap in the soul for a short time in creation.

△ "Love, Death and Robots" third season excerpt

This time there is no "death", but a constant search for the possibility of "life". Although the interactive relationship between love and creation is always flowing, and perhaps the cardboard box pet can’t be our eternal emotional support, human beings have gone out of various ways in the process of soothing lonely souls.

Raising flowers and grass, raising cats and dogs, or the meta-universe constructed for us in the near future are all attempts to enrich the spiritual world of mankind.

Therefore, the cute and absurd carton puppy is not a plaything without a story.

We put a soul that pursues freedom in his heart, and when he takes shape, he will regenerate a universe of his own.

(Image from the Internet)

　　

　　In order to further optimize the allocation structure of insurance assets, improve the quality and efficiency of insurance funds in serving the real economy, and prevent investment risks, China Banking and Insurance Regulatory Commission recently revised and issued the Notice on Insurance Funds Investing in Related Financial Products (hereinafter referred to as the Notice).

　　The "Notice" consists of seventeen articles, and the main amendments include:

　　First, broaden the scope of investable financial products. Incorporate wealth management products of wealth management companies, single asset management plans and debt-to-equity swap investment plans into the scope of investable financial products, and further improve the allocation structure of insurance assets.

　　The second is to implement the main responsibility. It is clear that an insurance asset management company should undertake active management responsibilities such as due diligence, investment decision-making and post-investment management when entrusted to invest in financial products. Cancel the external credit rating requirements for insurance funds to invest in credit asset-backed securities, asset-backed special plans and other products, and guide institutions to implement the main responsibility of risk management.

　　The third is to strengthen the penetration of regulatory requirements. For some financial products, insurance institutions are required to have the corresponding investment management capabilities according to the nature of the underlying assets of the products, and to manage them according to the types of the underlying assets, so as to truly reflect the risks of investment assets.

　　The fourth is to standardize the behavior of investing in a single asset management product. For insurance companies to invest in a single asset management plan and private wealth management products issued to a single investor, it is required to improve the selection criteria and procedures for investment managers, carefully formulate investment guidelines, and maintain asset safety.

　　The fifth is to improve the post-investment management requirements. Insurance institutions are required to clarify the post-investment management responsibilities of investment financial products, equip with professional post-investment management personnel, regularly track the investment situation, and take effective measures to control related risks.

　　The promulgation and implementation of the Notice is conducive to better meeting the needs of diversified allocation of insurance assets and providing long-term stable financial support for the capital market. In the next step, China Banking and Insurance Regulatory Commission will continue to improve the regulatory policy system, intensify market-oriented reforms, guide insurance funds to give full play to their long-term investment advantages, and serve high-quality economic development.

　　The person in charge of the relevant departments in China Banking and Insurance Regulatory Commission, China answered the reporter’s question on the Notice on Insurance Funds Investing in Financial Products.

　　In order to further optimize the allocation structure of insurance assets, improve the quality and efficiency of insurance funds in serving the real economy, and prevent investment risks, China Banking and Insurance Regulatory Commission recently revised and issued the Notice on Insurance Funds Investing in Related Financial Products (hereinafter referred to as the Notice). The heads of relevant departments in China Banking and Insurance Regulatory Commission, China, answered reporters’ questions on relevant issues.

　　1. What is the revision background of the Notice?

　　Financial products are an important part of insurance asset allocation. In recent years, according to the principle of system first, the scope and variety of investable financial products have been gradually broadened in the field of insurance fund application, especially after the release and implementation of the original investment financial products policy in 2012, the scale of insurance fund investment financial products has been increasing. By the end of December, 2021, the scale of financial products invested by insurance funds was 1.72 trillion yuan, accounting for 7.39% of the balance of funds used. The varieties covered commercial bank wealth management products, collective fund trusts, credit asset-backed securities, asset-backed special plans, etc., and the allocation structure of insurance assets was further improved.

　　With the rapid development of China’s financial market, financial products such as wealth management products of wealth management companies are constantly emerging, and their risk-return characteristics meet the needs of insurance fund allocation, and the industry has a strong willingness to allocate. At the same time, with the promulgation and implementation of the "Notice on Optimizing the Supervision of Insurance Institutions’ Investment Management Capability" and other policies, the regulatory requirements for financial product investment concentration ratio and investment management capability have been adjusted, which need to be clarified from the system. In addition, the regulatory requirements of the original policy in financial product decision-making process and post-investment management need to be further strengthened. Therefore, it is necessary to revise the Notice in light of the new situation and situation.

　　Second, what ideas have been followed in the revision of the Notice?

　　When I revised the Notice, I followed the following ideas: First, I adhered to the combination of problem orientation and goal orientation. Focus on the asset allocation pressure and problems faced by the industry, and according to the development of the financial market, bring financial products with risk-return characteristics that meet the needs of insurance funds into the investment scope to meet the needs of diversified investment and improve the quality and efficiency of serving the real economy.

　　The second is to adhere to the combination of implementing the main responsibility and improving the regulatory requirements. On the one hand, we will compact the main responsibility of institutions, guide and strengthen investment capacity building, and prudently and steadily carry out investment. On the other hand, improve the regulatory requirements for counterparties, basic assets, related transactions and other aspects to prevent investment risks.

　　Third, adhere to the combination of system innovation and overall coordination. Pay attention to strengthening the top-level design of system construction, strengthen the coordination with policies such as entrusted investment management, insurance asset management products, pooled fund trust and investment supervision ratio, and improve the quality and efficiency of supervision.

　　3. What are the scope of financial products to which the Notice applies?

　　The Notice regulates the investment of insurance funds in financial products issued by non-insurance financial institutions, and the products involved include asset management products and asset securitization products issued by commercial banks or wealth management companies, trust companies, financial asset investment companies, securities companies, securities asset management companies, securities investment fund management companies and other financial institutions according to law.

　　Compared with before the revision, the Notice deleted the infrastructure investment plan, real estate investment plan, asset support plan and their related requirements issued by the insurance fund investment insurance asset management company. The main consideration is that in recent years, the regulatory authorities have successively issued policies such as Interim Measures for the Management of Insurance Asset Management Products, Notice on Printing and Distributing Three Detailed Rules for the Implementation of Combined Insurance Asset Management Products, and Interim Measures for the Business Management of Asset Support Plans, which further improved the management and operation regulations of related products. At the same time, according to the regulatory requirements, insurance asset management companies should have corresponding product management capabilities when issuing products. Therefore, for the products issued by insurance asset management companies, insurance institutions can make investments if they meet the requirements of investor qualifications in product management regulations, which is conducive to rationalizing the supervision mechanism of insurance funds investing in insurance asset management products and other financial products.

　　4. What are the main amendments to the Notice?

　　There are 17 articles in the revised Notice, five articles more than the original policy, thirteen articles revised and seven articles deleted. The main revisions include:

　　First, broaden the scope of investable financial products. Incorporate wealth management products of wealth management companies, single asset management plans and debt-to-equity swap investment plans into the scope of investable financial products, and further improve the allocation structure of insurance assets.

　　The second is to implement the main responsibility. It is clear that an insurance asset management company should undertake active management responsibilities such as due diligence, investment decision-making and post-investment management when entrusted to invest in financial products. Cancel the external credit rating requirements for insurance funds to invest in credit asset-backed securities, asset-backed special plans and other products, and guide institutions to implement the main responsibility of risk management.

　　The third is to strengthen the penetration of regulatory requirements. For some financial products, insurance institutions are required to have the corresponding investment management capabilities according to the nature of the underlying assets of the products, and to manage them according to the types of the underlying assets, so as to truly reflect the risks of investment assets.

　　The fourth is to standardize the behavior of investing in a single asset management product. For insurance companies to invest in a single asset management plan and private wealth management products issued to a single investor, it is required to improve the selection criteria and procedures for investment managers, carefully formulate investment guidelines, and maintain asset safety.

　　The fifth is to improve the post-investment management requirements. Insurance institutions are required to clarify the post-investment management responsibilities of investment financial products, equip with professional post-investment management personnel, regularly track the investment situation, and take effective measures to control related risks.

　　V. How does the Notice connect with the entrusted investment management business of insurance funds?

　　The Interim Measures for the Administration of Entrusted Investment of Insurance Funds issued in 2012 stipulates that qualified securities companies and fund management companies can be entrusted with insurance funds to carry out related asset management business. After the new asset management regulations and the regulatory rules of private equity management business of securities and futures institutions were issued, securities companies and fund management companies started private equity management business by setting up private equity management plans. In order to adapt to the development of the market situation, the Notice added a single asset management plan to the scope of investable financial products, and simultaneously deleted the relevant requirements of securities companies and fund management companies as investment managers in the revised Measures for the Administration of Entrusted Investment of Insurance Funds.

　　The Notice stipulates the conditions that a securities asset management company should have to manage insurance funds. In practice, some securities companies have newly established securities asset management companies to carry out asset management business. In order to promote the smooth transition of related businesses and increase support for the capital market, the qualification period and management scale of asset management subsidiaries of securities companies that have been established with the approval of the State Council securities regulatory authorities and have not exhibited for three years can be calculated continuously with the parent company of the securities company; Due to mergers and acquisitions, risk disposal and other reasons, if the newly established company undertakes the qualification of private asset management business of the original securities company, the qualification period and management scale of asset management business can be calculated continuously with the original company.

　　Cctv news(Reporter Wang Henan, reporter from Zhao Jin): Recently, the Criminal Investigation Brigade of Tiefeng Branch of Qiqihar Public Security Bureau cracked a fraud case posing as a customer service staff of a recruitment website and arrested two suspects.

　　On May 1st, the Criminal Investigation Brigade of Tiefeng Branch received a report from Ms. Zhang that in the process of job hunting, she was cheated by a customer service staff posing as a recruitment website and was cheated by 50,000 yuan. After receiving the alarm, the anti-fraud police continuously tracked suspicious online records and finally locked the identity of the suspect. On the afternoon of the same day, after strict investigation and control, the police handling the case arrested two suspects, Li and Huang, in an office building in the jurisdiction.

　　After investigation, since April, the criminal suspects Li and Huang have jointly set up a so-called billing business company, pretending to be the customer service staff of a recruitment website, using the purchased anonymous calling card to randomly call customers to attract customers to add online friends, and then using fake shopping website links to help customers engage in billing business and advance payment, thus defrauding customers’ funds. In less than a month, Li and Huang committed more than 20 crimes in this way and made illegal profits of more than 800,000 yuan.

　　At present, two suspects have been taken compulsory measures according to law, and the case is under further investigation.

1905 movie network news On September 15th, local time, Justin Bieber and his beloved wife, Hayley Baldwin, appeared on the street in Hollywood, USA. On the same day, Bieber wore a Barbie pink sportswear and a wool hat to show his boyish heart. Haley reappeared in a long black sweater. The rose pattern on the back of the sweater echoes the new rose tattoo on her husband’s neck, showing love and sweetness.

Bieber and his wife are standing on the street, chatting happily, and their eyes are full of tenderness and indulgence, which is intoxicating. However, the next second, I found that Bieber, a paparazzi, changed his face in seconds, and his small eyes and fierce milk scanned the camera fiercely. The contrast before and after was too obvious, which caused a heated discussion. Some netizens even ridiculed Bieber as a master of changing his face!

On the 1st of February, earlier this afternoon, the company announced the "report card" of January: 32,973 new cars were delivered, which won the first monthly sales champion of new power brands. For details, please refer to the previous report of IT House.

Soon after, Yu Chengdong forwarded the delivery information released by AITO Auto Official Micro, mocking himself that "Yu Da Kou" became "Yu Xiao Kou".

Yu Chengdong also shouted to his partners: "Brothers go all out to cheer!"

The delivery of new M7 reached a new high. Since its listing in September, 2023, the new M7 in Wenjie has accumulated more than 140,000 vehicles.

A few days ago, some owners of M5/M7 in AITO were pushed the V3.3.8 version of intelligent driving, which brought the long-delayed "map-free NCA", that is, the auxiliary function of intelligent driving in urban areas wIThout relying on high-precision maps. At present, it friends have received the push.

In addition to "NCA without Map", this version also includes the following updates:

　　Sino-Singapore Jingwei client April 4 (Wei Wei) Every Friday, there will be major events. On April 3, the central bank released two heavy news. First, it lowered the deposit reserve ratio for small and medium-sized banks by 1 percentage point and released long-term funds. About 400 billion yuan; Second, since April 7, the interest rate of excess deposit reserve of financial institutions in the central bank has been lowered from 0.72% to 0.35%.

　　Less than 20 days later, the central bank announced the targeted cuts to required reserve ratios again, and after a lapse of 12 years, it resumed lowering the interest rate of excess deposit reserve. What is the significance behind the central bank? What impact will it have on the people’s money bags?

　　Small and medium-sized banks were selected for the third RRR cut during the year.

　　It is reported that this RRR cut is the third RRR cut during the year. On January 1 and March 16 this year, the central bank conducted a comprehensive RRR cut and a inclusive finance targeted cuts to required reserve ratios respectively, which released 800 billion yuan and 550 billion yuan respectively.

　　Only after more than half a month, the central bank once again to the small and medium-sized bank targeted cuts to required reserve ratios. The specific content is to reduce the deposit reserve ratio by 1 percentage point for rural credit cooperatives, rural commercial banks, rural cooperative banks, rural banks and city commercial banks operating only in provincial administrative areas, and implement it twice on April 15 and May 15, with each reduction of 0.5 percentage point, releasing a total of about 400 billion yuan of long-term funds. According to the introduction of the central bank, after the RRR cut, the deposit reserve ratio of more than 4,000 small and medium-sized deposit-taking financial institutions dropped to 6%.

　　On March 31st, the the State Council executive meeting decided to further strengthen the inclusive financial support measures for small and medium-sized enterprises, including further implementing the targeted cuts to required reserve ratios for small and medium-sized banks, and guiding small and medium-sized banks to provide loans to small and medium-sized enterprises with a wide range of preferential interest rates.

　　"This RRR cut is the third RRR cut this year. Such a high-frequency RRR cut not only reflects the gradual exertion of countercyclical regulation, but also shows the urgency of epidemic prevention and control and economic recovery and development." Wen Bin, chief researcher of China Minsheng Bank, told Zhongxin Jingwei client.

　　Why did small and medium-sized banks choose this RRR cut? Wen Bin explained that on the one hand, due to the large number of small and medium-sized banks, the number of them accounts for 99% in the banking system, and they are rooted in the grassroots and are inherently inclusive, which is an unattainable force for serving small and medium-sized enterprises at the grassroots level; On the other hand, on March 16th, targeted cuts to required reserve ratios, both large banks and joint-stock banks received a large degree of preferential reserve ratio, so this targeted cuts to required reserve ratios targeted at small and medium-sized banks. The release of long-term funds through this RRR cut will help support small and medium-sized banks to better focus on their main business, increase credit supply to small and medium-sized enterprises, reduce financing costs, and achieve accurate relief.

　　Li Qilin, chief economist of Yuekai Securities and president of the research institute, analyzed that in 2018-2019, the supervision continued to strengthen the importance of inclusive finance, and after the inclusive finance loan requirements were put forward for banking financial institutions, all banks and small banks were making efforts in inclusive finance business. However, big banks have cheaper liabilities, are more willing to invest, and can quote lower loan interest rates to small and micro enterprises. In contrast, the competitiveness of small banks is obviously weaker, and it is more difficult to achieve regulatory targets. Now targeted cuts to required reserve ratios, plus the previous refinancing and rediscounting of more than one trillion yuan, can make small and medium-sized banks have enough cheap debts, give them more chips to serve small and micro enterprises and other inclusive customers, and better compete with big banks.

　　However, Li Qilin further expressed his concern about the risk of lending. He believed that for some small banks in areas with underdeveloped economy and few customers of high-quality small and micro enterprises, they may not be willing to expand their risk exposure and lend to high-risk enterprises even if they have more cheap debts. However, the RRR cut has at least diluted the debt cost of these banks, protected their interest margins and profits, and made them better cope with the risks brought by the deterioration of asset quality in the depressed economic environment.

　　Reduce the excess reserve interest rate after 12 years.

　　What is the excess reserve interest rate? The central bank explained that the excess reserve is the money that deposit-taking financial institutions voluntarily deposit in the central bank after paying the statutory reserve, which is at the discretion of banks and can be used for liquidation and cash withdrawal at any time. The People’s Bank of China pays interest on the excess reserve, and its interest rate is the excess reserve interest rate.

　　In fact, the last time the interest rate of excess reserve was lowered was back to 2008, when the interest rate was lowered from 0.99% to 0.72%, and it has not been adjusted since then. The central bank said that lowering the interest rate of excess reserve from 0.72% to 0.35% this time can promote banks to improve the efficiency of capital use and promote banks to better serve the real economy, especially small and medium-sized enterprises.

　　"This tool is mainly to force commercial banks to increase credit supply. The excess reserve interest rate is the rate of return that banks get by putting their deposits in the central bank. Now the decline of this interest rate actually encourages banks not to put all their money in the central bank, but to lend their money out to support the real economy. The European Central Bank’s excess reserve interest rate is negative, which means that banks have to charge for putting money in the central bank. In fact, it is also to force banks to lend. " Ming Ming, deputy director of CITIC Securities Research Institute, analyzed the Sino-Singapore Jingwei client.

　　Wang Qing, chief macro analyst of Oriental Jincheng, explained that it is generally believed that the excess deposit reserve interest rate (also known as "excess deposit interest rate") is the lower limit of the interest rate corridor in China. Considering that the 7-day reverse repurchase interest rate and MLF interest rate in the previous policy interest rate system have been adjusted 2-3 times, the reduction of the over-reserve interest rate reflects the linkage of the policy interest rate system to a certain extent, which is helpful to maintain the orderly operation of the interest rate corridor.

　　Wang Qing also believes that the central bank’s sharp reduction of the interest rate on excess reserves is actually urging commercial banks to increase their lending to enterprises, and not to hoard the liquidity released by the central bank in their own hands or deposit it in the money market. Recently, the average value of DR007 has been significantly lower than the central bank’s 7-day reverse repo rate. This means that under the current situation, the central bank hopes to see the growth rate of RMB credit further accelerated, especially in terms of the growth rate of credit supply to small and medium-sized enterprises. It is expected that the growth rate of RMB loans in financial data in the coming months is expected to accelerate.

　　Financial yield may be lower.

　　Will the reduction of interest rates on targeted cuts to required reserve ratios and excess deposit reserve affect the bank’s financial yield?

　　"As the investment yield of the entire banking system declines, in the long run, the financial yield will drop significantly." Clearly stated.

　　Yin Yanmin, an analyst at Rong 360 Big Data Research Institute, analyzed the client of Zhongxin Jingwei, saying that monetary policy continues to be loose and funds are continuously released to the market. For fixed-income investment products, the overall income level will further decline, and the income of bank wealth management products and money funds will continue to decline in the future, and low-risk fixed-income products with high yield will become less and less.

　　She suggested that investors with low risk tolerance should try to choose medium and long-term wealth management products if their liquidity requirements are low, and lock in a relatively high rate of return in advance.

　　Limited impact on the stock market and property market.

　　According to wind statistics, since November 2011, the central bank has lowered the RRR for 20 times (including targeted cuts to required reserve ratios). According to the announcement of the stock market’s ups and downs the next day, the Shanghai Composite Index has fallen for 9 times and rose for 11 times, which has different impacts on the A-share market.

　　Yang Delong, chief economist of Qianhai Open Source Fund, told Zhongxin Jingwei that the valuation of the A-share market is now at the bottom of history, and the P/E ratio of SSE 50 is only 9 times, which is in a state of falling, so there is no condition for a sharp decline in the market.

　　He believes that if the A-share market really wants to strengthen, it needs to wait until the overseas epidemic turns to an inflection point, and the number of confirmed cases in the United States and Japan tends to decline, then it will really usher in a chance of a sharp rebound. In the short term, the market is more structural. It is suggested that investors can look for opportunities from the three major directions of consumption, brokerage and technology, especially some consumer industries that were greatly affected by the epidemic in the first quarter, and now they are gradually recovering, and white horse stocks are also welcoming a new round of opportunities. It is suggested that investors can actively lay out.

　　In addition, many people are concerned about whether the RRR cut will have an impact on the property market. In this regard, Zhang Dawei, chief analyst of Zhongyuan Real Estate, pointed out that the RRR cut is not for real estate, but to reduce the financing cost of enterprises. The Central Economic Work Conference also proposed that a prudent monetary policy should be flexible and moderate, maintain a reasonable and sufficient liquidity, and increase the scale of monetary credit and social financing in line with economic development to reduce the cost of social financing. Under the clear requirements of "housing and not speculating" and "not using real estate as a short-term means to stimulate the economy", the funds released by the RRR cut are strictly controlled to enter the real estate field.

　　Zhang Dawei believes that although the RRR cut for small and medium-sized banks has little direct impact on real estate, historically, as long as it is lowered, it will be good for real estate, which can alleviate the financial pressure of real estate enterprises, and in addition, it can also obtain relatively stable credit prices for home buyers’ mortgages.

　　MLF interest rate and LPR quotation are expected to go down in April.

　　So how will monetary policy go in the future? Many industry experts believe that China is at the critical stage of resuming work and production, and steady growth will surely become the core task of economic development throughout the year. In the future, the monetary policy should be adjusted against the cycle, the transmission channels of monetary policy should be dredged, and the actual financing cost of enterprises should be gradually reduced.

　　Dong Ximiao, a special researcher at the National Finance and Development Laboratory, told the client of Zhongxin Jingwei that in the early stage, the banking industry generally reduced profits and fees for the prevention and control of epidemic situation and the resumption of production. In the case that the profit growth of banks is affected, the benchmark deposit interest rate can be lowered in a timely and appropriate manner to further reduce the debt cost of banks and enhance the initiative and sustainability of banks’ service improvement. For small and medium-sized banks, it is more important to help broaden debt channels, enrich debt sources and allow more flexible interest rate floating space.

　　At the same time, we should further reform and improve the LPR related mechanism and deepen the market-oriented reform of loan interest rates. At present, we should step up the conversion of the pricing benchmark of existing floating interest rate loans, unblock the transmission channels of monetary policy by means of reform, and promote the gradual decline of the actual financing costs of enterprises.

　　Wen Bin believes that in the next stage, it is still necessary to continue to increase countercyclical adjustment and reduce the cost of social financing, which is the core work of monetary policy. It is expected that the central bank will lower the MLF interest rate and guide the LPR to go down before the LPR is announced in April. In addition, the upcoming 1 trillion yuan refinancing rediscount, 300 billion yuan micro-financial bonds, and 1 trillion yuan more corporate credit bonds than the previous year will all help broaden the low-cost financing channels for small and medium-sized enterprises.

　　Wang Qing pointed out that MLF interest rate and LPR quotation are expected to resume downward trend in April, and the counter-cyclical adjustment of monetary policy will be significantly strengthened. Considering that the central bank’s 7-day reverse repo rate has been lowered by 20 basis points on March 30, it is expected that the bidding rate for routine MLF operations will also be lowered by the same amount this month. This will drive the one-year LPR quotation to resume its downward trend on April 20, and it is estimated that the downward trend will also be 20 basis points, and the five-year LPR quotation may also decline by 10 basis points.

　　He analyzed that the lower LPR quotation will drive the bank loan interest rate to drop even more, and from the perspective of the bank’s capital source, the lower money market interest rate can’t make up for the bank’s loss in net interest margin. Considering the macro-economic factors such as cost reduction, inflation control and risk prevention, the benchmark deposit interest rate may have a small downward adjustment space of about 0.25 percentage points, and it is more likely to be implemented after the CPI drops significantly year-on-year in the second half of the year. This means that in the coming period, in order to effectively reduce the financing costs of enterprises, banks will make moderate profits to the real economy. (Zhongxin Jingwei APP)

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Li Yanming, a businessman from Yan ‘an, Shaanxi Province, was administratively detained by Baota Branch of Yan ‘an Public Security Bureau for 15 days in July this year and fined 3,000 yuan. Caixin. com previously reported that Li Yanming was not released after the detention. The family said that he was later taken away by the disciplinary Committee for investigation. During this period, Li Yanming suffered from closed head injury (severe) and bilateral occipital fractures due to his careless fall. On September 2nd, Li Yanming was arrested on suspicion of opening a casino. Since then, the family’s application for bail has been rejected.

On September 17th, Li Yanming’s attorney Qu Zhenhong provided The Paper with Li Yanming’s admission record. According to the record, Li Yanming was admitted to Xi ‘an Central Hospital at 16: 08 on August 3rd. "The patient said that he accidentally fell from the bed and landed on his pillow in the hotel. After the injury, he did not feel coma, vomiting, limb convulsions and dizziness. He was sent to our hospital after others found out. Head CT showed left occipital epidural hematoma, left cerebellar tentorium suspected subdural hematoma, right frontal lobe contusion, subarachnoid hemorrhage and bilateral occipital fracture. "

Admission records also show that Li Yanming has hypertension grade 2 (very high risk), left renal atrophy, aspiration pneumonia and so on. On August 3rd, Xi ‘an Central Hospital admitted Li Yanming with "closed head injury (severe)" and performed craniotomy on the same day.

Li Yanming’s hospitalization certificate

One month after the operation, Li Yanming was arrested. The notice of arrest served by the Baota Branch of Yan ‘an Public Security Bureau to Li Yanming’s family showed that "with the approval of the Baota District Procuratorate of Yan ‘an City, our bureau arrested Li Yanming on suspicion of opening a casino at 17: 00 on September 2, 2020, and is now detained in Xi ‘an Ankang Hospital." According to public information, Xi ‘an Ankang Hospital is a national secondary psychiatric hospital under the Xi ‘an Public Security Bureau and a designated medical hospital in the supervision place.

Li Yanming’s arrest notice

Qu Zhenhong told The Paper that she had applied to Ankang Hospital on September 7th to meet her client Li Yanming, but was told that Li Yanming was not allowed to meet a lawyer by the case-handling organ. I don’t know why. On September 18th, The Paper telephoned the police officer handling the Li Yanming case, trying to find out why the police refused to allow lawyers to meet Li Yanming, but the police officer said that he would not accept the interview and immediately hung up.

Qu Zhenhong told The Paper that on September 7, she also mailed an application for bail pending trial to the police officer of Baota Branch of Yan ‘an Public Security Bureau through EMS, but it was rejected on September 10.

After that, on September 14th, Li Yanming’s family went to Baota Branch to submit the application for bail pending trial. According to the application, after compulsory measures were taken, Li Yanming fell down on August 3, was diagnosed with closed head injury (severe), and underwent craniotomy on the same day. At present, Li Yanming’s physical condition is poor and he is not suitable for detention. In addition, Xi ‘an Ankang Hospital is a specialized psychiatric hospital, which mainly treats all kinds of mental patients and drug addicts, but it is incapable of treating Li Yanming’s illness.

In addition, the application also stated that Li Yanming’s alleged crime of opening a casino did not involve violent crimes, and taking measures to obtain bail pending trial would not cause social danger. He has opened a number of companies in Yan ‘an and has a fixed residence. He can be on call after being released on bail pending trial, which does not affect the police’s continued investigation of the case.

However, the above application for bail pending trial was rejected on the same day. The notice of compulsory measures not to be changed issued by Baota Branch of Yan ‘an Public Security Bureau said: "After review, our bureau believes that taking bail pending trial may destroy and falsify evidence and interfere with witnesses’ testimony or collusion; It may involve other new crimes, and the adoption of bail pending trial hinders investigation. According to the provisions of Article 97 of the Criminal Procedure Law, it is decided not to change the compulsory measures. "

Notice of police not to change compulsory measures

According to Caixin. com, Li Yanming, together with other representatives of small and medium-sized private enterprises in Yan ‘an, reported that several microfinance companies in Yan ‘an were involved in usury, black and evil and the umbrella behind them. The Yan ‘an Public Security Bureau set up a task force in 2019, and the case is still under investigation.