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　　In order to further rectify and standardize the market order of housing construction and municipal infrastructure projects in Jiangxi Province, create an open, fair and just competitive environment in the construction market, promote the sustained and healthy development of the construction market in Jiangxi Province, and give full play to the warning and education role of typical cases, Jiangxi announced 10 typical cases of illegal and illegal bidding, affiliated subcontracting and illegal subcontracting in the field of housing municipal projects in this province.

　　1. Four people, including Zhou, Guo Mobo, Liao and Guo Momiao, were affiliated with Shichang Construction Group Co., Ltd. and other 92 enterprises to bid for collusion.

　　In March, 2020, the construction unit, Yin Luling Construction Investment Co., Ltd. of Jingkai District, Ji ‘an City, published the tender announcement of the project of industrial supporting service center in the eastern part of Jinggangshan Economic Development Zone on the public resource trading network of Ji ‘an City. Four people, including Zhou, Guo Mobo, Liao and Guo Momiao, take each company as 2— At the price of 30,000 yuan, 92 companies including Shichang Construction Group Co., Ltd., Jiangxi Sixth Construction Engineering Co., Ltd. and Yuxuan Jianye Group Co., Ltd. were invited to participate in the bidding of this project, and Shichang Construction Group Co., Ltd. won the bid with 141,981,819.66 yuan. After winning the bid, Liao sold the construction right of the project to Luo Mogen at 7% of the winning bid, that is, 9.8 million yuan. Among them, Zhou earned 7.25 million yuan, Liao earned 1.3 million yuan, Guo Momiao earned 750,000 yuan and Guo Mobo earned 500,000 yuan.

　　Processing result:Ji ‘an County People’s Court ruled that four defendants, including Zhou, Guo Mobo, Liao and Guo Momiao, committed the crime of colluding in bidding, sentenced them to fixed-term imprisonment ranging from 8 months to 6 months in criminal detention, and fined them RMB 200,000. The illegal proceeds from the sale of the winning project of 9.8 million yuan and the introduction fee charged by Shichang Construction Group and other companies have been confiscated and turned over to the state treasury. Other enterprise courts have handled the case separately.

　　2. Jiangxi Zhenghua Engineering Project Management Co., Ltd., Jiangxi Jiangxin Engineering Supervision Co., Ltd. and Jiangxi Construction Engineering Construction Supervision Co., Ltd. colluded in bidding cases for many times.

　　From January 2018 to August 2019, Jiangxi Zhenghua Engineering Project Management Co., Ltd., Jiangxi Jiangxin Engineering Supervision Co., Ltd. and Jiangxi Construction Engineering Construction Supervision Co., Ltd. participated in the bidding of 27 projects, including the project supervision of Building 2 of China Energy Conservation International Center in Nanchang High-tech Zone. The machine code of their bidding documents is the same as the uploaded IP address, which is suspected of colluding with each other. On October 16, 2019, Nanchang Urban and Rural Construction Bureau filed a case against the above three units for alleged collusion in bidding. After investigation, there is collusion in the bidding of 12 projects participated by Jiangxi Zhenghua Engineering Project Management Co., Ltd.; There are collusive bidding behaviors in 21 projects participated by Jiangxi Jiangxin Engineering Supervision Co., Ltd.; There are collusive bidding behaviors in 27 projects participated by Jiangxi Construction Engineering Supervision Co., Ltd..

　　Processing result:Nanchang Urban and Rural Construction Bureau cancelled the bidding qualifications of the above three companies to participate in the projects that must be tendered according to law within two years and made an announcement, and imposed a fine of RMB 192,896.88 on Jiangxi Construction Engineering Supervision Co., Ltd., a fine of RMB 17,633.34 on Xu Mouying, a person in charge directly responsible for the unit, a fine of RMB 980 yuan on Guo Mouping and a fine of RMB 600 yuan on Jiang Mouxi. A fine of RMB 118,376.48 was imposed on Jiangxi Jiangxin Engineering Supervision Co., Ltd., and a fine of RMB 11,761.31 was imposed on Zheng, the person in charge directly responsible for the unit; Jiangxi Zhenghua Engineering Project Management Group Co., Ltd. was fined 93,650.4 yuan, and Jiang Moxi, the person in charge directly responsible for the unit, was fined 9339.43 yuan. Another Jiang Moxi was sentenced to 6 months’ imprisonment and fined 50,000 yuan for the crime of colluding in bidding.

　　3. Huacheng Boyuan Engineering Technology Group Co., Ltd. and Nanchang Urban Planning and Design Research Institute colluded in bidding for the new project of Nanchang Women and Children Social Service Center.

　　In June 2019, when Huacheng Boyuan Engineering Technology Group Co., Ltd. and Nanchang Urban Planning and Design Research Institute participated in the bidding for the new engineering design project of Nanchang Women and Children Social Service Center, the sunshine analysis in the submitted bidding documents was similar and they were suspected of colluding with each other. On July 19, 2019, Nanchang Urban and Rural Construction Bureau filed a case against Huacheng Boyuan Engineering Technology Group Co., Ltd. and Nanchang Urban Planning and Design Research Institute for alleged collusion in bidding. After investigation, Huacheng Boyuan Engineering Technology Group Co., Ltd. and Nanchang Urban Planning and Design Research Institute entrusted the same person to prepare the bidding documents when they participated in the bidding for the new engineering design project of Nanchang Women and Children Social Service Center, which was regarded as collusion bidding.

　　Processing result:Nanchang Urban and Rural Construction Bureau imposed a fine of RMB 23,843 on Huacheng Boyuan Engineering Technology Group Co., Ltd., a fine of RMB 2,384 on Song, the person directly in charge of the unit, a fine of RMB 23,843 on Nanchang Urban Planning and Design Research Institute and a fine of RMB 2,384 on Wei Motong, the person directly in charge of the unit.

　　4. The consortium of China Railway Tunnel Bureau Group Co., Ltd. and Beijing Urban Construction Design and Development Group Co., Ltd. colluded with the consortium of Jiangxi Guo Xin Construction Engineering Co., Ltd. and Jiangxi Construction Engineering Group Co., Ltd.

　　On September 30th, 2020, in the evaluation of the qualification standard of the EPC project of Zhuangtang Middle School construction project in Fenyi County, the bid evaluation experts found that the names of the bidders on the cover of the qualification standard documents of the consortium of China Railway Tunnel Bureau Group Co., Ltd. and Beijing Urban Construction Design and Development Group Co., Ltd. were called the consortium of Jiangxi Guo Xin Construction Engineering Co., Ltd. and Jiangxi Construction Engineering Group Co., Ltd., another bidder. The Bid Evaluation Committee found that the two bidders were suspected of colluding in bidding, and the Fenyi County Housing and Urban-Rural Development Bureau filed an investigation according to law, and found that the two bidders had collusive bidding behavior.

　　Processing result:The Housing and Urban-Rural Development Bureau of Fenyi County imposed a fine of RMB 1,092,500 on the consortium of China Railway Tunnel Bureau Group Co., Ltd. and Beijing Urban Construction Design and Development Group Co., Ltd. and the consortium of Jiangxi Guo Xin Construction Engineering Co., Ltd. and Jiangxi Construction Engineering Group Co., Ltd., and imposed a fine of RMB 54,625 on the persons in charge of China Railway Tunnel Bureau Group Co., Ltd. and Nie Moufeng of Jiangxi Guo Xin Construction Engineering Co., Ltd.

　　V. Jiangxi Zhongqi Construction Engineering Co., Ltd. colluded with Jiangxi Jiutai Construction Engineering Co., Ltd., Jiangxi Tenghan Construction Co., Ltd. and Jiangxi Yufa Construction Co., Ltd.

　　On December 14th, 2020, during the evaluation of the Dingjiapeng renovation project in Xinyu City (the first bid section and the second bid section), it was found that Jiangxi Zhongqi Construction Engineering Co., Ltd. and Jiangxi Jiutai Construction Engineering Co., Ltd., Jiangxi Tenghan Construction Co., Ltd. and Jiangxi Yufa Construction Co., Ltd. had the same contents in the related quotation forms, such as the single project bidding price summary table, partial sub-projects, unit price measures project list and pricing table, and the comprehensive unit price sub-standard table, which were suspected of colluding with each other. Xinyu City Administration Bureau filed a case investigation according to law and found that the four enterprises had collusive bidding behavior.

　　Processing result:Xinyu City Administration Bureau imposed a fine of RMB 873,850 on Jiangxi Zhongqi Construction Engineering Co., Ltd. and Jiangxi Jiutai Construction Engineering Co., Ltd. and a fine of RMB 473,450 on Jiangxi Tenghan Construction Co., Ltd. and Jiangxi Yufa Construction Co., Ltd. according to law.

　　Six, the bid evaluation expert Xia Mou (former deputy stationmaster of Fuzhou Building Comprehensive Management Station) accepted bribes from many bidding companies.

　　Xia Mou, the former bid evaluation expert (former deputy stationmaster of Fuzhou Building Comprehensive Management Station), accepted the request of Zeng Mouming, the business director of Jiangxi Ansha Engineering Supervision Cost Consulting Co., Ltd., to help his company win the bid in September 2017, and accepted Zeng Mouming’s 15,000 yuan; In August 2018, during the evaluation of the supervision bid of Yongfeng No.2 Middle School Project in Ji ‘an City, I accepted the request of Zeng Moming, the business director of Jiangxi Ansha Engineering Supervision Cost Consulting Co., Ltd., to help his company win the bid, and accepted 20,000 yuan from Zeng Moming; On November 1, 2018, when participating in the bid evaluation of Dongjie Mingzhu Construction Project in Guangfeng District, Shangrao City, Wu Mou Zhong, the head of Shangrao Company of Jiangxi Xinding Construction Consulting Co., Ltd., received 200,000 yuan, and provided assistance to Jiangxi Xinding Construction Consulting Co., Ltd. during the bid evaluation process. Because Xia illegally accepted 235,000 yuan from others in bid evaluation activities and sought benefits for others, the amount was huge, which constituted the crime of accepting bribes by non-state organs.

　　In addition, in the second half of 2017, Xia received 86,000 yuan from Zeng Mouming, the business leader of Jiangxi Ansha Engineering Supervision Cost Consulting Co., Ltd., to provide assistance for the four engineering evaluation city quality engineering awards of Jinxi County Chengxi Ecological High-tech Industrial Park supervised by the company: Jingyi Road, Weier Road, Weisan Road and the student dormitory of the Municipal Sports School; In June, 2018, he received Feng Mou and RMB 120,000 from the production manager of Nanfeng County No.2 Waterworks Project to evaluate the "2018 Jiangxi Building Structure Demonstration Project Award" for the water supply project of Nanfeng County No.2 Waterworks (Chengdong Waterworks). In January 2019, he received 33,000 yuan from Lou Molin, the person in charge of woodworking subcontracting of Jinxi Grand Theatre construction project, to provide assistance for the evaluation of "2018 Jiangxi Architectural Structure Demonstration Project Award" for Jinxi Grand Theatre construction project. Xia took advantage of his position as deputy stationmaster of Fuzhou Building Comprehensive Management Station to illegally collect 239,000 yuan from others and seek benefits for others. The amount is huge, and his behavior constitutes a crime of accepting bribes.

　　Processing result:Xia was convicted of accepting bribes and was sentenced to one year and ten months in prison and fined RMB 100,000.

　　Seven, China Overseas Communications Construction Co., Ltd. in Jiujiang Bilingual School Phase II construction project to provide false performance bidding case.

　　On April 18th, 2020, the second-phase construction project of Jiujiang Bilingual School was opened in Jiujiang Public Resources Trading Center, and 220 construction units participated in the bidding. Among them, the "Special Seal for the Record of Tangshan Construction Project Bidding Office" in the performance materials provided by China Overseas Communications Construction Co., Ltd. was fraudulent, and it was entrusted by the Balihu Branch of Jiujiang Public Security Bureau to identify and issue a judicial appraisal opinion, and the seal was identified as a fake seal.

　　Processing result:According to law, the Construction Environmental Protection Bureau of Jiujiang Economic and Technological Development Zone cancelled the bidding qualification of China Overseas Communications Construction Co., Ltd. to participate in the project subject to tender according to law within three years in Jiujiang Economic Development Zone, and imposed a fine of RMB 261,485.65.

　　Eight, Zeng Molin, Yang Mougan, Liao Mogui and other three people affiliated with Jiangxi Taibei Construction Engineering Co., Ltd. participated in the bidding case of Qiushan Science Park municipal garden supporting project in Ganzhou Economic and Technological Development Zone.

　　Jiangxi Taibei Construction Engineering Co., Ltd. (hereinafter referred to as "Jiangxi Taibei Company") signed the Office Operation Agreement with Zeng Molin and Yang Mougan on March 31, 2020, and established Ganzhou Office. On December 7 and 14, 2020, the Housing and Construction Bureau of Ganzhou Economic Development Zone received a complaint report from the complainant Liao Mogui, reflecting that he contacted Yang Mougan, the operator of Ganzhou office of Jiangxi Taibei Company, on September 20, 2020, and issued a letter of introduction from Jiangxi Taibei Company to participate in the bidding for the municipal garden supporting project of Qiushan Science and Technology Park in Ganzhou Economic and Technological Development Zone, and paid the bid guarantee fee and letter of introduction fee (totaling 4,900.00 yuan) After winning the bid, Jiangxi Taibei Company refused to issue a power of attorney and sign an internal management contract to the complainant, and heard that Jiangxi Taibei Company had sold the project to others, so it submitted a complaint to the Housing and Construction Bureau of Ganzhou Economic and Technological Development Zone. It has been verified that Jiangxi Taibei Company has lent qualification certificates or otherwise allowed others to undertake projects in the name of the company. Zeng Molin, Yang Mougan, Liao Mogui and other three people have participated in the bidding of the project with the qualification of Jiangxi Taibei Company.

　　Processing result:The Housing and Construction Bureau of Ganzhou Economic and Technological Development Zone cancelled the qualification of winning the bid of Jiangxi Taibei Company and imposed a fine of RMB 481,127.63. Liao Mogui, Yang Mougan and Zeng Molin were jointly fined RMB 192,451.05.

　　9. Jiangxi Baohui Construction Engineering Co., Ltd. illegally subcontracted the decoration project of "Three Centers" in Shicheng County.

　　In September 2018, Jiangxi Baohui Construction Engineering Co., Ltd. illegally subcontracted the renovation project of "Three Centers" in Shicheng County (Shicheng Footwear Testing Center, Shicheng Industrial Design Center and Shicheng Human Resources Service Center) to four people including Chen Mou Rong, Huang, Wu Mou and Huang Moujun. Will the footwear testing center 1— The fire protection project on the 6th floor was illegally subcontracted to unqualified Chen Mou Rong, with a total construction price of 800,000 yuan; The interior decoration and TV curtain wall decoration of the exhibition hall with a building area of about 1000 square meters were illegally subcontracted to unqualified Huang, with a total construction price of 2.243 million yuan; Will be a building area of about 4500 square meters of 5-mdash; The interior decoration project on the 6th floor was illegally subcontracted to unqualified Huang Moujun, with a total construction price of 5 million yuan; Will be a building area of about 8000 square meters of 1-mdash; The interior decoration of the 4th floor was illegally subcontracted to unqualified Wu Mou, with a total construction price of 9.1 million yuan. Jiangxi Baohui Construction Engineering Co., Ltd., as a project construction unit, illegally subcontracted the project to individuals for construction, which constituted illegal subcontracting.

　　Processing result:Shicheng County Housing and Urban-Rural Development Bureau imposed an administrative penalty on Jiangxi Baohui Construction Engineering Co., Ltd. for illegal subcontracting according to law, and imposed a fine of RMB 102,858 on the company and RMB 6,171 on Xu Mouqing, the person in charge of the project.

　　X. Pingxiang Anrui Construction Co., Ltd. illegally subcontracted 76 projects it undertook.

　　From January 2018 to the end of June 2020, Pingxiang Anrui Construction Co., Ltd. illegally subcontracted 76 projects it contracted to other construction units or individuals by signing internal project economic responsibility contracts (agreements) with other construction enterprises and individuals, and charged management fees of 3,834,700 yuan according to the proportions of 12%, 15% and 20% of the contract amount, involving a project amount of 322,989,000 yuan.

　　Processing result:The Housing and Urban-Rural Development Bureau of Anyuan District of Pingxiang City imposed an administrative penalty on Pingxiang Anrui Construction Co., Ltd., and turned over all the management fees illegally collected by the company to the finance, and imposed a fine of 2,583,900 yuan according to 0.8% of the project amount. (General Desk reporter Fan Cunbao Shi Kun)

　　The National Internet Information Office, the Ministry of Public Security and other departments have jointly rectified online rumors, which have received widespread attention and received support from all walks of life and achieved remarkable results. At the same time, the public is also concerned about some problems in the rectification of online rumors, such as how to define online rumors. Is "Xue Manzi" arrested because it is a "big V"? Are you sentenced for "forwarding rumor information 500 times" or more? What responsibility should the website bear in managing network rumors? Wait a minute. With these questions, Xinhua News Agency interviewed the person in charge of the Network News Coordination Bureau of the State Internet Information Office.

　　Reporter: There has been a lot of news about rectifying network rumors recently. Can you tell us something about it?

　　A: For some time, many departments have jointly taken measures to rectify network rumors, standardize network order and purify the network environment, and achieved initial results.

　　The State Internet Information Office firmly supports the public security organs in cracking down on illegal and criminal activities on the Internet in accordance with the law, and supports the organized creation and dissemination of rumors on the Internet in accordance with the law. Recently, many people who used the Internet to create and deliberately spread rumors were investigated and punished. Some of them deliberately spread rumors and spread rumors in order to achieve personal goals and illegally gain economic benefits. For example, Qin Zhihui ("Qin Huohuo") and Yang Xiuyu ("Li Er Si Si") organized and planned to spread rumors and deliberately speculate on online events through Weibo, post bars and forums, so as to make profits and were detained by the public security organs. There are more than 3,000 rumors created and spread by Qin Huohuo. Some extort money by publishing false information. For example, Zhou Lubao, who was arrested, published more than 15,000 posts attacking and slandering relevant units and individuals on the Internet, and extorted money from more than 20 units and individuals. Others deliberately spread rumors and slander others to vent their personal anger. For example, Fu Xuesheng was detained for fabricating and spreading slanderous rumors such as "African Cowherd Gate".

　　Some people have been investigated for illegal crimes, or they may have a great influence on the Internet. Some public opinion has avoided their illegal and criminal acts, only emphasizing that they are "big V" or online celebrities, and even making rumors that they are "convicted for their words", which is misleading. For example, "Xue Manzi" was investigated and dealt with according to law because of whoring, gathering people for fornication and being suspected of other illegal and criminal acts, which has nothing to do with his "big V" status.

　　Reporter: What are online rumors? How to distinguish between deliberate rumors and unintentional rumors? Does "rumors force the truth" make sense?

　　A: Rumors refer to false information that deliberately fabricates facts and causes harm to society and others. The so-called network rumors usually refer to rumors spread by information networks. Indeed, some netizens spread rumors unintentionally and need to distinguish them, but the characteristics of intentional rumors are obvious. Some have been proved to be false information, and they are still repeatedly spread and hyped; Some of them are even processed and exaggerated in communication, causing serious harm to others or society.

　　The statement that "rumors force the truth" is actually an excuse for spreading rumors. Rumor and truth are two different things, and right and wrong cannot be separated. "Rumors stop with the wise" can’t be a reason to tolerate rumors, because we can’t assume that everyone is a "wise man" and allow rumors to spread.

　　Reporter: Is it necessary to be criminally prosecuted for rumors?

　　A: It is common sense to speak responsibly online. It is beyond reproach to spread rumors and slander and hurt others or society, and of course you have to bear the responsibility. For those who do not intentionally spread false information, criticism and education should be given priority. The Supreme People’s Court’s spokesman once pointed out that even if some of the contents of the report and exposure are untrue, as long as they are not deliberately fabricated facts to slander others, or are not spread on the Internet knowing that they are fabricated facts that damage others’ reputation, criminal responsibility should not be investigated for libel.

　　Reporter: The "two highs" issued relevant judicial interpretations. Some people say that rumors can be sentenced if they are forwarded 500 times and viewed 5000 times. Is this accurate?

　　A: the Supreme People’s Court and the Supreme People’s Procuratorate issued the Interpretation on Several Issues Concerning the Application of Laws in Handling Criminal Cases of Defamation by Using Information Networks, which is the practical need to crack down on related crimes by using information networks according to law, the need to protect the legitimate rights and interests of the people, the need to maintain social public order, and the embodiment of the pipe network according to law.

　　For the quantitative standards of 5000 times and 500 times, some media have a biased interpretation. The judicial interpretation clearly stipulates that "if the information network is used to slander others, and the same defamatory information is actually clicked, viewed more than 5,000 times, or forwarded more than 500 times, it can be considered as’ serious circumstances’ as stipulated in the first paragraph of Article 246 of the Criminal Law, which can constitute the crime of defamation". Obviously, according to this provision, the object that is forwarded 500 times is specific libel information, not other information.

　　Reporter: Some netizens say that the suppression of online rumors is to suppress speech. What do you think?

　　A: This is a wrong view. Combating online rumors is conducive to protecting legitimate freedom of speech. Our cyberspace cannot be a rumor space. Letting rumors spread is tantamount to self-destruction of the network. No country in the world allows rumors to spread.

　　Freedom and order are dialectical relations. Any individual’s freedom must be exercised within the scope of the law, and it must not be lawless. It must be based on the premise of not interfering with the freedom of others, and freedom should not be based on the suffering of others.

　　Netizens come from the people, and netizens are also people. When netizens go online, public opinion goes online. Party committees and governments at all levels have always regarded the Internet as a bridge and link between the people, paid full attention to and guaranteed the people to make constructive remarks, and deeply understood and responded to public opinions on the Internet in a timely manner. It is obvious to all that the majority of netizens express their opinions and suggestions through the Internet and effectively exercise their right to know, participate, express and supervise.

　　Reporter: There is a saying that the website only provides a platform and should not be responsible for illegal activities such as network rumors and slanders. Is this correct?

　　A: Of course not. The law clearly stipulates that if a network service provider knows that a network user uses its network service to infringe upon the civil rights and interests of others and fails to take necessary measures, it shall be jointly and severally liable with the network user. As an information platform, the website should improve the information security mechanism, reduce the probability of spreading rumor information and prevent the spread of network rumor information in time. Websites that fail to fulfill their responsibilities will also be investigated.

　　Recently, Beijing Netcom Office directed six websites, including Qianlong. com, Sina and Sohu, to launch a joint "rumor platform" to strengthen website self-discipline and timely release rumor information, which played a very good role.

　　Reporter: In order to purify the network environment, what is the focus of the next step?

　　A: In recent months, we have advocated that websites and netizens should abide by the "seven bottom lines", such as the bottom line of laws and regulations, the bottom line of socialist system, the bottom line of national interests, the bottom line of citizens’ legitimate rights and interests, the bottom line of social public order, the bottom line of moral fashion and the bottom line of information authenticity, and won strong resonance and broad support from all walks of life. We have implemented the National People’s Congress Standing Committee (NPCSC)’s "Decision on Strengthening the Protection of Network Information" and concentrated on cleaning up three types of information involving citizens’ personal privacy and reputation rights; In conjunction with the National Office for Combating Pornography, the Ministry of Industry and Information Technology, the Ministry of Public Security, the Ministry of Culture and other departments, we organized a special campaign to purify the summer network environment, and closed, rectified and punished nearly 1,000 illegal websites; It will also work with the State Food and Drug Administration and other five departments to crack down on illegal activities of using the Internet to sell counterfeit drugs. In addition, according to the report clues, more than 120 websites that use negative false information for extortion, such as People’s Internal Reference Network, were closed according to law. The action of caring for young people on the Internet, which was carried out jointly with the Ministry of Education and other four departments, has also achieved initial results.

　　In the next step, we will continue to support the fight against organized online rumors. At the same time, we will pay close attention to protecting the healthy growth of young people as our daily work. At present, illegal activities such as extortion and fee deletion by using negative information and false information are still serious, and all sectors of society have reacted strongly. We will crack down with the public security organs and the Ministry of Industry and Information Technology according to law. Like cracking down on online rumors, it will not be a gust of wind.

　　Cctv news A bowl of smooth Q-bomb Jiangxi rice noodles with secret sauce, peppers, peanuts and other ingredients together create a rich and fragrant food. Nanchang people are awakened by such a bowl of mixed powder in the morning.

　　Jiangxi, with its beautiful scenery and rich products, is a big province of traditional rice noodles production, consumption and culture in China. The first China Rice Noodle Festival was held in June this year. Jiangxi will take the opportunity of the China Rice Noodle Festival to permanently settle in Nanchang, Jiangxi Province, build a number of rice noodle gourmet experience halls, cultivate a number of modern rice noodle leading enterprises, promote rice noodle enterprises to "go global", speed up the layout of national outlets, and strive to cultivate a number of rice noodle brand enterprises with outstanding local characteristics, rich cultural connotations and great international and domestic influence.

　　In order to make Jiangxi rice noodle brand famous, expand Jiangxi rice noodle industry and carry forward the snack culture of Gancai, on December 26th, the first "Huang Jia Xu Ma" marinated powder landed in Nanchang, Jiangxi Province, and it will be promoted nationwide, and it is committed to continuously improving the popularity and influence of Jiangxi rice noodle at home and abroad, so that people all over the country can enjoy the authentic "hometown flavor" and help Jiangxi rice noodle brand "break the circle".

　　Xu Guifen, the founder of Huangshanghuang Group and the founder of "Huangjia Xuma" marinade mixing powder, said that we will promote brand development with high starting point, high standing and high quality, create a new business model of catering stores, and let Jiangxi rice noodles enter thousands of households, making positive contributions to promoting the brand development of Jiangxi rice noodles.

　　"I believe that a century-old marinated rice noodle with Jiangxi characteristics will definitely attract more consumers to know and taste Jiangxi rice noodle, and promote Jiangxi rice noodle ‘ Make a name for yourself ’ The whole country. " Tao Dongming, a researcher of Nanchang Municipal Bureau of Commerce, said that Nanchang Municipal Bureau of Commerce will continue to provide all-round services for the leading enterprises of rice flour, promote the development of Jiangxi rice flour industry with high quality, and make "millet flour and big industry" a reality.

　　Xinhua News Agency, Jinan, August 7th, New Media Specialist (Reporter Wang Yang, Zhang Yujie) Recently, dog abuse and killing incidents have been exposed in Weihai, Dongguan, Lianyungang and other places one after another. The related videos and pictures are cruel and savage, and both online and offline have aroused public dissatisfaction and heated discussion. Some netizens think that it is inappropriate to kill animals and be sentenced to damage property or undermine public security. Some netizens said that it is worrying that some people have no scruples about treating small animals.

　　Frequent incidents of dog cruelty have aroused public anger, and what kind of punishment should be faced with such animal cruelty has aroused social discussion. The reporter interviewed relevant experts, lawyers and animal protection agencies on issues of concern to netizens.

　　According to media reports, a citizen of Weihai, Shandong Province recently towed a pet dog with an off-road vehicle on the highway, causing some people to contain it. Related videos were circulated on the Internet.

　　Coincidentally. According to netizens, a man living in Dongguan adopted more than 50 stray dogs and killed them for fun. According to a recent posting by a netizen in Lianyungang, a local woman was bitten by a big dog in a residential area when she came home with her boyfriend. Later, the woman’s boyfriend met the biting big dog again in the residential area and injured the dog. After that, the dog owner reported to the police that the dog had been killed.

　　Lawyer Yang Shaogang, director of Shanghai Shaogang Law Firm, said that many recent incidents of dog abuse have aroused the indignation of the masses, but such cases are not individual cases, and some animal cruelty is more serious and cruel. For example: burning cats with fire, stepping on cats with high heels, beating dogs with sticks, and entertaining some mentally distorted people with various strange methods of cruelty to animals, but no cases of punishment have been seen. Because the law does not stipulate the punishment for cruelty to animals.

　　Lawyer Yang Shaogang said that the incident in Shandong is slightly different from the general dog abuse. Because the owner of the car paraded through the street in front of the public, the people saw the animals being abused alive and died tragically, which caused compassion, so the onlookers and human flesh search were completely understandable. I think the public security organs can completely detain them for more than five days and less than ten days in accordance with Article 23 of the Law on Public Security Administration Punishment, and impose a fine of less than 500 yuan.

　　The staff of China Small Animal Protection Association told the reporter that at present, China only has the Wildlife Protection Law of People’s Republic of China (PRC), but there is no relevant legislation for the protection of pets and domestic animals, which is not conducive to the protection of non-wild animals.

　　The staff said that the recent incidents of cruelty to animals have had a very bad impact, which touched the bottom line of the people. However, without the protection of relevant laws, these abusers would only suffer moral condemnation at most, which is not enough to deter these abusers. They may also abuse animals again, hoping to introduce a comprehensive animal protection law as soon as possible.

　　According to legal experts, there is no law against "cruelty to animals" in China except People’s Republic of China (PRC) Wildlife Protection Law, Regulations on the Management of Laboratory Animals, Regulations on the Management of Medical Laboratory Animals, Regulations on the Protection of Aquatic Wildlife and Regulations on the Protection of Terrestrial Animals. Article 29 of the Regulations on the Administration of Medical Laboratory Animals states: "The staff engaged in laboratory animals must take good care of them and shall not tease or abuse them." Article 31 stipulates: "According to the seriousness of the case, warning, improvement within a time limit or administrative sanctions shall be given respectively." This is for experimental animals, and there are no prohibitive regulations for general animals.

　　Lawyers such as Yang Shaogang told reporters that since 2005, there have been many incidents of animal cruelty in China, and some people have called for legislation to protect animals. However, there are two different opinions, and the opposition to legislation has prevailed. Therefore, there has been no legislation on animal protection in China for a long time, but the legislation on wild animals has not only been enacted by the National People’s Congress, but also by many places. Its legislative purpose is not to consider animals as human friends, but as human resources, in order to prevent the loss or plunder of resources.

　　According to incomplete statistics, more than 100 countries and regions have enacted the Law on the Prohibition of Cruelty to Animals, and the maximum penalty for cruelty to animals is imprisonment for less than five years. Britain, the United States, Japan, Italy, Germany, Canada and other countries have formulated the Animal Protection Law, the Animal Welfare Law and the Standards for Medical Laboratory Animals, which have made strict regulations on the protection of animals. Even if pets are lost, their owners will be punished, which shows that they attach importance to animal protection.

　　Experts believe that the publication and publicity of animal cruelty, calling for everyone’s attention and condemnation, is itself the progress of animal protection awareness.

　　Cao Han ‘ai, an expert in animal law at Griffith University in Australia, told the reporter, "Five or six years ago, I assisted legal scholars in drafting the Animal Protection Law of People’s Republic of China (PRC) (expert’s suggestion draft). At that time, the law against animal cruelty was too advanced in China and was not suitable for the national conditions at that time. But in recent years alone, China has made great progress, which is the progress of China society. "

　　She introduced that at present, more and more animal activists and ordinary people in China, especially young people, have contributed their money to help all kinds of animals voluntarily, to condemn and stop abuses, to report illegal trafficking and hunting of wildlife under state protection, and so on. "All these show that people’s awareness of animal protection far exceeds the current legal provisions."

　　On January 11th, China Automobile Industry Association announced that in 2023, China’s automobile production and sales both exceeded 30 million vehicles for the first time, setting a record high, among which China’s automobile exports reached 4.91 million vehicles, which is expected to become the first automobile exporter in the world.

　　The position of the world’s first automobile exporter, the United States, Germany and Japan.Have been sitting.. This is the change chart of automobile export volume of three countries in recent years.

　　Among them,China new energy automobileIt is an important driving force for China’s automobile export. However, some voices think that this achievement is the ceiling of new energy vehicles in China.

　　In fact, in recent days, such a "cold water" voice is not uncommon.

　　To answer this question, we need to look at how China’s new energy vehicles opened up the export situation.

　　Looking back at this rising curve, we can find that the turning point occurred inIn 2021In that year, China exported new energy vehicles.Year-on-year growth of 3 times.

　　At that time, many foreign media mentioned a background when analyzing this data — —Global manufacturing supply chain is difficult to operate.. Compared with 2019, the global automobile production in 2021 is overall.Down 13%.

　　When others can’t produce, China can, and when others can produce, China is relatively cheap. In the eyes of many people, this is the "password" for China’s new energy vehicles to successfully go to sea.

　　This is also the reason why some people think that China’s new energy vehicles hit the ceiling — — Since China’s supply chain is already very complete, what it can provide.There are limits to the cost advantage.As global manufacturers of new energy vehicles are reducing costs, once the cost advantage of China is no longer obvious, it seems that China new energy vehicles can only fall into.Vicious competition of "price war"Medium.

　　Is this really the case?

　　When analyzing the export data of new energy vehicles in China, we also found such changes:

　　In 2019, the average export price of new energy vehicles in China was5000 USD/vehicleIt rose to 2022.22,000 USD/vehicle.

　　In other words, in recent years, China’s new energy vehicles have really come true."quantity and price rise together".

　　The price is high, and there are sales. Overseas markets accept the pricing of new energy vehicles in China, which fully shows that the more fundamental reason for China’s new energy vehicles to open up in the global market lies in.Product force.

　　Where does this product strength advantage come from?

　　Master Tan saw such a set of data:

　　Research shows that from 2018 to 2022, the average cruising range of pure electric vehicles in the world.Jump from 230 km to 337 km.

　　Endurance has always been a big problem that restricts the development of new energy vehicles. There is a word in the automobile industry called"mileage anxiety"That is, consumers are worried that the battery life of new energy vehicles cannot meet their own needs.

　　So, what is the average cruising range of new energy vehicles in China in 2022? According to the relevant data of the Chinese Academy of Sciences, this figureClose to 600 kilometers.

　　Not only that, according to the industry’s evaluation, the cruising range of 1,000 kilometers is the real turning point for the use experience of new energy vehicles to equalize fuel vehicles. Now, the cruising range of 1,000 kilometers has become the "standard" for many new energy vehicle enterprises in China.

　　It will not be easy.

　　One factor that affects battery life is battery capacity. It seems that as long as the battery capacity is continuously increased, there will be a breakthrough in battery life, but in fact, this is not the case. Battery capacity, safety and durability are like a seesaw. If one of them is pursued excessively, the others will decline.

　　How does the seemingly contradictory problem, China, give a solution?

　　Tan Lord noticed such a data:

　　Among the top ten companies in the world with installed power batteries,China enterprises occupy 6 seats..

　　Cui Dongshu, secretary-general of the Association, who has been in the automobile industry for more than 30 years, told Tan Zhu that there are many breakthroughs in the industry in improving the performance of batteries, and there are still many nodes in the key technology chain such as anode and cathode materials, electrolytes, separators and membrane electrodes.Performance improvementSpace.

　　For example, in order to further extend the batteryEnergy density and safety,There are many solid, sodium ion, high nickel and aluminum air in the industry.New technical route.

　　In fact, the competitiveness of new energy vehicles in China comes from the fact that the whole industry has entered.differentiationcompeteIn the orbit, everyone’s pursuit of battery life is essentially to study power batteries with larger capacity, smaller volume and higher energy density from different aspects, as well as electronic control technology with better energy consumption, and then to break through the bottleneck of power battery technology.

　　Such a breakthrough is not only reflected in the cruising range.

　　China’s new energy vehicles are a new growth point of China’s automobile export. While the scale is increasing, it is necessary to constantly rely on innovative development models to eliminate the risks brought by the continuous improvement of production capacity.

　　China’s new energy automobile industry has chosen a different path.

　　Generally speaking, a fuel truck has about30,000Parts, these parts, together with supporting chips and software, constitute a function of the car body. The parts and chips of each function are relatively independent, which leads to the more functions of a fuel truck, the more subsystems are needed. Because the systems are not connected, this leads to the system of the fuel truck."bloated".

　　Click to view the panorama of automobile industry chain.

　　This feature also limits the improvement of the function of fuel vehicles.

　　But the parts of new energy vehicles can be less than half of those of fuel vehicles. This means that compared with fuel vehicles, new energy vehicles have higherPower supply capacityWith higherElectrification degreeIt is naturally available.The foundation of intelligence.

　　More importantly, the era of the development of new energy vehicles is alsoThe era of vigorous development of mobile internet and information technology. There is a saying in China’s new energy automobile industry — — Intelligent new energy vehicle is to install four wheels on the mobile phone.

　　This sentence shows that in China, Internet thinking and the automobile industry are merging, and this superposition is also rewriting the logic of automobile production:

　　Many electronic control units of traditional fuel vehicles are integrated into a few power, body, autopilot and cockpit in new energy vehicles.Several systemsAmong them, and after these systems, there is a unified perception and management of vehicle status.Central computing center.

　　Under such circumstances, the software and hardware of new energy vehicles have achieved close cooperation. For example, the hottest autopilot function at the moment is to rely on sensors and chips carried by vehicles first.Hardware collects information, let againsoftwareAnalyze the surrounding road conditions, and finally hand over the instructions issued by the software to.Vehicle power system executionThe whole process does not require the driver to participate too much.

　　More importantly, while the vehicle itself is a system, the massive data generated by other car owners during driving can also be passed.Big data, cloud computingAnd other technologies, throughRemote download and upgradeThe way to interact and upgrade with specific vehicles.

　　It is no exaggeration to say that in the new energy era, cars have changed from those that originally needed human manual manipulation.Pure mechanical products, evolved toIntelligent products controlled by algorithms and data.

　　Such a change is not available in every country. Among them, the transformation of European car companies is more difficult. An analysis of the automobile industry mentioned that:

　　Why China and the United States have gone further than other countries in the intelligentization of new energy vehicles, a large part of the reason is that China and the United States have taken the lead in the wave of mobile Internet. If car companies in Europe and Japan understand the intelligence of cars as electrification, then China and the United States understand the intelligence of cars as"Automobileization of Smartphones".

　　It is precisely because of the relationship with information technology industries such as the Internet.superiorityCarried outSuperimposed integration,The intelligentization of new energy vehicles in China has created new scenes and demands for consumers. If we say that in the era of fuel engine, the possibility of automobile is aggregated in parts, then the automobile in the intelligent era, data and computing power can be extended and created, which will be unimaginable space.

　　Click on the export amount of new energy vehicles in China on the following picture, and you can find that behind the accelerating growth, a very important part of the reason is the continuous creation of intelligence.New performance, inspired consumers.demand, thus driving the production capacityConstantly expanding.

Click on the spot above to see more information.

　　At present, European car companies are increasingly turning to China enterprises.buyPure electric modular platform and pure electric production line are used toexploitationYour own new energy vehicle. Standing on the platform built by the development of new energy vehicles in China, European car companies, which have advantages in the traditional car-making field, can complete the turn faster.

　　This also shows a trend:

　　Intelligence is being paid more and more attention by automobile manufacturers. With the transformation of global economy to digital and low carbon, the market faced by new energy automobile industry is still a deep blue ocean. And China,Has taken the lead.

　　In fact, whether it is intelligent or a breakthrough in cruising range, it is a microcosm of the development of new energy vehicles in China. What it represents isSystematic thinking— — existNew energy automobile industry chainAt every node, China has a number of pioneering technological explorations and breakthroughs to expand the depth of industry development.

　　The three-dimensional development trend constructed by these technological breakthroughs constitutes the extensibility of the industrial chain and supply chain, and this extensibility is also the depth of absorbing and integrating production capacity, and it also brings more room for handling some problems.

　　From this point of view, compared with the number of automobile exports in China, the unique development model we have explored in this process can not be ignored.

1905 movie network news This weekend (06.01-06.03), the box office revenue in North America totaled $104 million, down 42.4% from the previous week. Among the three large-scale new films, "Storm and Waves", which was adapted from a true story, won the top spot and won $11.51 million in the first weekend. It is considered that although the film lacks shocking power, it has been given.Shailene WoodleyAn opportunity to show personal characteristics; The sci-fi thriller "Upgrade" is the one with the highest reputation among the three films. It earned $4.45 million at the box office in 1457 theaters in North America in three days on weekends, far exceeding the expected $3 million, and was considered as "providing a sense of entertainment beyond imagination". On the contrary, the comedy Moment of Action, which earned only $2.31 million at the box office in 2,032 theaters in three days over the weekend, was considered as "not extending anything deeper, but making the whole film meaningless".

Surge, Storm, Upgrade, Time for Action

Recommended star rating for Surging Waves: ★★★★

In the first week of June, STX Entertainment’s Storm and Waves, starring shailene woodley and Sam Claflin, made $11.51 million in 3,015 cinemas over the weekend, up from $10.6 million last year. Based on a real shipwreck, Turbulent Waves tells the story that Tammy oldham and her fiancé sailed across the Pacific Ocean, and as a result, they encountered the top ten hurricanes in the world on the way. After surviving, they found that there were still many obstacles in the follow-up. The production cost of the film is $35 million, but the overseas copyright alone has sold nearly $20 million. If "Rough Waves" can earn more than $30 million at the box office like last year, it will be a small profit. In the second half of the year, mark wahlberg, Melissa McCarthy, Jennifer Garner and jennifer lopez will be released one after another. At present, IMDb score is 6.8, MTC score is 56, and the freshness of rotten tomatoes is 70%. The Chicago Sun commented: "It’s a film tailored for shailene woodley to show her personal characteristics and mindless personality." Rolling Stone magazine commented: "Ironically, it is its star that distinguishes "Storm and Waves" from other travel documentary films that rely on stars to gain attention. "Hollywood Reporter": "The suffering part of the film lacks the sad power as it did in 2013, but it at least gives Woodley a chance to try to adapt the real story to play a woman who is fierce against nature (rather than a dystopian civilization)."

This week’s unexpected new film with a good reputation is the sci-fi thriller "Upgrade" set in the near future. The film earned $4.45 million at the box office in 1,457 theaters in North America in three days last weekend, far exceeding the expected $3 million. This is the highest-grossing film in the first week of BH tilt Studio since "Darkness" in 2016 (with a box office of $4.9 million in the first week). "Upgrade" is set in the future world, an era in which everything is controlled by machines. The protagonist of the story is a technophobe. Because his wife was killed and he was seriously injured and paralyzed, he tried to get revenge. He accepted a machine chip implantation experiment and gained "super power". Director leigh whannell is a veteran screenwriter of thriller movies. His latest works include "Hidden 4: Desperate for the Undead", which grossed $29.58 million in its first week. At present, IMDb score is 7.8, MTC score is 65, and the freshness of rotten tomatoes is 86%. Rolling Stone magazine commented: "Don’t make useless resistance, and you will get super-high-grade pleasure from the grindhouse." "Hollywood Reporter" thinks: "By injecting stylized weird stalks, low-cost film production and creative narrative into the dystopian sci-fi," Upgrade "provides a sense of entertainment beyond imagination."

The lowest box office in a wide range of new films is Paramount’s funny comedy "Time for Action", which earned only $2.31 million in 2,032 theaters in three days on weekends. Even if the cost was only $19 million, the box office in the first week was still shocking, and it has been ranked among the bottom 25 box office films opened in more than 2,000 theaters in North America. The film tells the story of a dreamer and his friends who design, build and operate their own theme park. The word-of-mouth is relatively poor. At present, the IMDb score of the film is 5.2, the MTC score is 37, and the freshness of rotten tomatoes is 19. The Los Angeles Times commented: "The crazy and eccentric anti-regime meaning that johnny knoxville and his accomplices broke out in Moment of Action did not extend deeper, but made the whole film seem meaningless and failed like a deflated balloon."

Old film: Solo the Ranger is completely on the street. Dead Waiter 2 is nearly $600 million worldwide.

Disney’s "The Legend of Star Wars" earned $29.29 million in the second weekend, which was as much as 65.2% lower than the previous week’s $84.4 million, further suggesting that the movie’s stamina is also difficult to sustain. Although the previous "Star Wars 8: The Last Jedi" also fell by 67% in the second week, the box office in the first week was $220 million, and "The Wandering Solo" was completely absent. However, due to the weakness of new films this week, "Ranger Solo: The Legend of Star Wars" is still at the top of the North American weekend box office list. The movie’s overseas box office revenue this weekend was $30 million, down 60% from the previous week. At present, the movie’s overseas box office is $115 million, and the local total box office is $148 million. It is estimated that the domestic box office will eventually be less than the $248 million in the first week of Star Wars: The Force Awakens, and it is expected to be the lowest box office among all Star Wars movies.

In the third week of 20th century, The Dead Attendant 2 by Fox won $23.3 million over the weekend, down 46% compared with the previous week, and the total box office in 17 days reached $254 million, down from $285 million in the first period. Next, except for July 4th, there will be no competitive R-rated movies that can compete with Dead Attendant 2. It is expected that there will be a good room for growth in the local area. It is estimated that the local box office will eventually be around 300 million US dollars, ranking behind,, and in the R-rated movie box office. At present, the global box office of the movie has reached 598 million US dollars.

This week’s preview: crossing the sea from the sky: a honey trap, Artemis Hotel and Genetic Bad Luck

This weekend (06.08-06.10), Warner Bros., A24 and sci-fi action movies will be widely opened in North America. Among them, sandra bullock, Cate Blanchett, Anne Hathaway and helena bonham carter starred in "Covering the Sky and Crossing the Sea: A Honey trap", which has the largest release scope, will be opened in more than 4,000 theaters in North America. The film tells the story of Danny Ou Xun’s sister, starring George Clooney, who just got out of prison and planned another shocking case to steal a Cartier diamond necklace worth $150 million with Cate Blanchett and other girlfriends at the annual fashion festival Met Gala. A24 Film was screened at Sundance Film Festival at the beginning of this year, which won high praise. It is called "Zero Bad Review Horror Film". The film tells about the Graham family. After the death of grandmother Allen, her daughter’s family began to unlock the terrible secrets of their ancestors and tried to escape the evil fate they inherited. The film Artemis Hotel is the first directed work by screenwriter Drew Pearce. It is set in an ultra-luxurious membership hospital, which serves criminals. The nurse played by Jodie Foster finds a patient with strange behavior at work, while other patients die one after another. The film will open in more than 2000 theaters in North America next week.

With the economic transformation, demographic changes and cutting-edge technology development in China, the insurance industry in China is standing in a new historical position. Under the new situation, how can Internet insurance seize the opportunity of the times and take advantage of the situation? Answers from consumers will lead the continuous innovation of insurance products and services and provide new potential for the high-quality transformation and development of the insurance industry.

On April 23rd, 2024, Yuanbao Group (hereinafter referred to as "Yuanbao") and China Insurance and Pension Research Center of Tsinghua University Wudaokou Finance College (hereinafter referred to as "Tsinghua Wudaokou Insurance Center") jointly released the Consumer Insight Report of Internet Insurance in China in 2023 (hereinafter referred to as "Report"). Based on the macro-economic background, the Report explains the current consumption characteristics and future trends of Internet insurance from four dimensions: consumer behavior insight, portrait analysis of celebrities and potential products users, observation of consumption hotspots and judgment of industry trends, and outlines the opportunities of Internet insurance and insurance industry at present and even in the next decade.

This is the China Internet Insurance Consumer Insight Report jointly released by Yuanbao and Tsinghua Wudaokou Insurance Center in the third year. In the past three years, the Report has gained the attention and praise of the industry, and provided suggestions and references from the consumer demand level to promote the high-quality development of the industry.

Zhou Yanli, former vice chairman of China Insurance Regulatory Commission, said in the preface of the Report that 2024 is the 75th anniversary of the founding of New China, and a crucial year for implementing the Party’s 20th strategic plan and realizing the 14th Five-Year Plan. With the economic transformation, demographic changes and the development of cutting-edge technology in China, the insurance industry in China is standing in a new historical position. Facing the new bureau and new machine of the insurance industry in the future, Internet insurance should stand at the forefront and meet the new round of industrial changes.

The insurance industry has steadily recovered, and the demand for health, pension and wealth management has increased.

In 2023, China’s sustained economic recovery led to an obvious recovery of the insurance industry. In 2023, the original insurance premium income was 5.12 trillion yuan, a year-on-year increase of 9.14%. The survey results of consumer insurance expenditure in the report also confirm this growth trend. The data shows that in 2023, insurance consumption will recover steadily, with half of consumers spending more than 8,000 yuan on annual premiums. In the future, over 60% of consumers will spend more than 8,000 yuan on premiums, and the scale of premiums is expected to further increase.

Talking about the internal motivation of the growth of the insurance market, Wei Chenyang, director of the China Insurance and Pension Research Center of Wudaokou Finance College in Tsinghua University, said that the key points are the increase in demand for security brought by economic growth, the increase in demand for pension and medical insurance brought about by the aging population and changes in family structure. "China’s insurance industry will continue to benefit from economic development and people’s growing awareness of risks and become an important force supporting economic stability and social security."

According to the Report, consumers’ awareness of health risk protection ranks first, among which critical illness insurance is the product with the highest holding rate in 2023, with 60% of the respondents holding it, and the "three highs" with high income, high education and high city level are the main groups. In the future, critical illness insurance will gradually sink to a wider group. In addition to critical illness insurance, the holding rate of health insurance products such as commercial medical insurance and Huimin insurance is also high, accounting for 44% and 30% respectively, and there is still much room for growth in the future.

In addition, the aging has put pressure on the social security system, and consumers’ anxiety about providing for the aged has driven the enthusiasm for buying commercial pension insurance and long-term care insurance. According to the Report, commercial endowment insurance ranks second among the types of insurance planned to be purchased in the future. At present, the main force of commercial endowment insurance purchase is still high-income middle-aged people; However, in the next 1-2 years, the proportion of young people aged 20-30 who plan to buy commercial old-age insurance is the highest, and the old-age anxiety is beginning to show a younger trend. The nursing needs of middle-aged and elderly people have increased significantly. At present, high-income middle-aged and elderly people prefer long-term care insurance, and it is expected that more middle-and high-income groups with third-line and below will choose to buy it in the future. The insurance industry should accelerate the exploration of the innovation of "aging-suitable" products and services, enrich the supply of products for the elderly, and improve the breadth and depth of protection for the elderly.

Affected by the downward trend of interest rates, the certainty guarantee advantage of long-term interest locking of insurance is highlighted, which has become the ballast stone of consumer wealth management, and the future savings insurance is favored. Among the newly signed insurance products in 2023, savings insurance ranked sixth; In the planned insurance purchase, the ranking of savings insurance rose to the fourth place, which has a large room for growth. At present, the "three high" people are the main buyers of savings insurance, and will expand to young people in well-off income and low-tier cities in the future. And the steady income is the most important factor for consumers to buy savings insurance.

Consumer demand is more diversified, and long tail demand needs to be tapped.

"Unmarried" and "having fewer children" make the family structure in China show a trend of miniaturization, and the pressure on families to resist all kinds of risks increases sharply. With different ages and income groups, the demand of resisting risks and seeking protection through insurance is becoming more diversified and personalized. Some insurance that used to be small in the public began to be favored by specific people.

In 2023, natural disasters occurred from time to time in some areas, which made consumers begin to pay attention to the function of family property insurance in alleviating post-disaster economic pressure. Family property insurance will rank third among the newly signed insurances planned by consumers in the next 1-2 years. With the gradual popularization of property risk awareness, the demand for family property insurance will also extend from second-tier cities to third-tier cities and below.

The importance of pets in people’s lives is increasing, and pet insurance is beginning to rise. According to the Report, at present, 27% pet owners are equipped with pet insurance, mainly young female consumers; 35% of the people who have not bought plan to buy, and more middle-aged people in first-tier cities will be willing to pay the bill in the future, and the purchasing enthusiasm of male consumers will be significantly improved. Insurance institutions accurately perceive and analyze the diversified needs of different customer groups, and launch targeted products+scene coverage, so as to tap the long tail demand and achieve diversified growth.

In addition to niche insurance, in the face of the same type of protection products, the demand differences of segmented customers are becoming more and more significant. When people aged 20-30 choose insurance, they mainly value "high cost performance"; People aged 31-40 value "wide product coverage"; People aged 51-60 value "low threshold for participation". The enlightenment for the insurance industry is that only by deeply understanding the differences of the core decision points of the insurance link and optimizing the differentiated positioning of products and services will the products achieve leap-forward development.

Intelligent claims are the strongest technology for consumers. AI big model landing practice will speed up.

What factors do consumers value most when buying insurance? 46% of the respondents chose "the insurance company/platform has the strength" and "the claim is simple and the payment time is short". "Worried about the difficulty or rejection of claims" (50%) and "unable to understand the insurance clauses" (39%) are the core troubles of consumers in the past two years. Obviously, the claim link is very important for Internet insurance consumers to make insurance decisions, and intelligent claim settlement is alleviating this problem.

According to the Report, intelligent claim settlement is the technology with the strongest consumer perception, and 71% of the respondents believe that intelligent claim settlement has improved the after-sales experience. At present, more than 80% of consumers with online claims experience are satisfied with claims. With the in-depth application of big model technology, consumers’ troubles about claims are expected to be further eliminated.

Fang Rui, founder and CEO of Yuanbao Group, said that AI technology is kicking off a new round of scientific and technological revolution with amazing iterative speed. At present, the exploration of large-scale model technology in China insurance industry has achieved initial results, and there have been good application cases in customer service, marketing and claims settlement. Taking Yuanbao as an example, after the big model was introduced into the claims review process, the information collection time of a single medical document was reduced to 0.2 seconds, and the pass rate of online one-time review reached 97%, which promoted the speed of claims decision-making by 50%. In addition, Yuanbao combines a large-scale customer service robot, which has stronger understanding, expressive power and professionalism, and can solve complex professional problems in a more popular and understandable language, greatly improving the problem solving rate.

In 2024, AI big model will be accelerated in China insurance industry. In the future, the mode of "artificial+large model service" is expected to change the impression that insurance is difficult to understand, invest and compensate, enhance the public’s acceptance of insurance, and then enhance the popularity of insurance.

Online trend speeds up. Future online insurance purchase is expected to overtake offline.

In terms of exposure channels, in 2023, consumers are more inclined to learn about insurance brands through social media (58%), online channels of insurance brands (39%), short video apps (33%) and other online channels. Young people prefer social media and content platforms, while the elderly prefer short video apps.

In terms of insurance purchase channels, the traditional offline outlets/agent channels (70%) are still the first choice for insurance purchase. However, compared with 2022, the online insurance purchase rate of consumers of all ages generally increased in 2023, and the offline insurance purchase rate decreased. The higher the income, the higher the education level and the higher the city level of consumers, the more inclined they are to buy insurance online. It is worth mentioning that the preference of the elderly for online has increased significantly. The online insurance purchase rate of elderly respondents aged 51 to 60 has increased from 63% in 2022 to 72% in 2023.

The top three reasons for consumers to purchase insurance online are "flexible payment" (52%), "convenient insurance" (49%) and "convenient self-inquiry and product selection" (46%). The higher the income and the higher the city level, the more attention is paid to the convenience, autonomy and less harassment of the insurance process; The lower the income and the lower the city level, the more attention is paid to the recommendation of relatives and friends. In the future, online channels will increase significantly, and 82% of the respondents plan to purchase insurance online, surpassing offline channels (76%).

However, about 8% of consumers who have bought insurance online may be "lost" in the future. 40% of the respondents are "worried about information security risks in online purchases"; 34% of the respondents are worried about "insufficient insurance notification"; 32% of the respondents are worried that "no one can be found and it is difficult to make claims".

Faced with consumers’ doubts about online insurance purchase, Internet insurance institutions should strengthen data security protection and privacy management, constantly optimize service processes, pay close attention to changes in regulatory policies and maintain compliance operations. With the joint efforts of supervision and industry, consumers’ concerns will be gradually dispelled, and the "online" experience will be continuously improved to achieve new breakthroughs.

Taking advantage of the situation, China insurance industry will usher in a new leap.

In 2023, China’s economy continued to pick up, with GDP exceeding 126 trillion yuan, up 5.2% over the previous year. The steady development of the macro economy has driven the insurance industry to achieve a significant recovery. In 2023, the original insurance premium income was 5.12 trillion yuan, a year-on-year increase of 9.14%. Under this background, under the guidance of supervision and the joint efforts of the industry, Internet insurance in China has also entered the "fast track" of high growth and high quality development.

Wei Chenyang said that China’s economic development is full of resilience, and the development prospect of the insurance industry is considerable. We are full of confidence in the transformation and upgrading of the insurance industry in China. In the future, Tsinghua Wudaokou, as a smart financial research and cooperation platform, will continuously establish connections with regulators, industry and academia, build an industry exchange platform, and promote the insurance industry to be stable and far-reaching and achieve high-quality development.

Fang Rui said that we are standing at a new historical intersection, and the demand preferences of insurance consumers are changing with each passing day. In the future, Yuanbao will continue to take consumers as the center, insist on the innovative development of Internet insurance driven by science and technology, keenly grasp the pulse of the times, and meet the needs of consumers with diversified, aging and intelligent products and services under the new situation of China’s economic upgrading and transformation, demographic changes and scientific and technological development, so as to promote the high-quality development of the Internet insurance industry and meet the new round of industrial innovation.

　　BEIJING, Beijing, September 30 (Reporter Ying Ni) On the 30th, the Palace Museum released the "Suggestions on Visiting the Eleventh Golden Week", advising the audience to avoid the peak travel during the peak hours from 10:00 to 13:00 every day, and reminding them that there are many fine exhibitions to choose from. I hope the audience can prepare in advance.

　　The full text of the proposal is as follows:

　　The "Eleventh" Golden Week in 2017 is approaching. In order to ensure the audience’s visiting atmosphere and cultural experience, the Palace Museum puts forward the following suggestions, hoping that everyone can visit at the wrong peak and travel safely.

　　1. The number of visitors to the Palace Museum changes regularly every day. It is suggested that visitors avoid the peak hours from 10:00 to 13:00 every day to make the visit more comfortable.

　　2. The daily visit to the Palace Museum is limited to 80,000 person-times, and the on-site ticket window will stop selling tickets at the right time according to the specific situation. Travel agencies and visitors are requested to make an online reservation as much as possible to avoid the hardship of queuing up to buy tickets on the spot, and they can take a special reservation channel for priority access during security inspection. The website of ticket reservation is http://gugong.228.com.cn, and the customer service telephone number is 400-622-8228.

　　The official website of the Palace Museum has detailed information such as opening hours, exhibition information, suggested tour routes, etc. The audience can make preparations in advance as needed. During the Eleventh Five-Year Plan period, in addition to the permanent exhibition, the audience can also visit the "Special Exhibition of Zhao Mengfu Painting and Calligraphy" being exhibited in Wuyingdian Painting and Calligraphy Museum, and the "Thousands of Miles of Rivers and Mountains — "Special Exhibition of Green Landscape Paintings in Past Dynasties", exhibited in Changyin Pavilion and Yueshilou Opera Hall, and "Tianlu Yongchang — — Special Exhibition of Ruilu Cultural Relics in the Forbidden City and Feeding Deer in the Garden Circle of Cining Palace, "Sissi Princess and Hungary: 17-mdash; 19th century Hungarian aristocratic life exhibition ","Ming Dynasty imperial kiln porcelain — A comparative exhibition between the unearthed imperial kiln site in Jingdezhen and Hongzhi and Zhengde porcelain handed down from ancient times in the Palace Museum.

　　4. The Palace Museum has implemented a comprehensive "no smoking", and lighters are forbidden to be brought into the hospital. It is suggested that the audience should not bring inflammable and explosive dangerous goods to avoid trouble during security inspection.

　　In order to avoid being abducted by illegal "one-day tour" tourists, black tour guides, unlicensed tour operators and other illegal people, I hope the audience will be vigilant and not be deceived.

　　6. Please visit in a civilized manner, and do not litter, climb rocks, carve or draw pictures, or climb over the guardrail, so as to jointly maintain a clean and orderly visiting environment and protect the cultural heritage with us.

　　7. The number of complaints from visitors to the Palace Museum is 85007027, and there is a special person on duty to receive them. Telephone number of medical ambulance station: 85007120.