The Ministry of Industry and Information Technology issued the Interim Measures for the Gradient Cultivation and Management of High-quality SMEs.

  In order to further strengthen the gradient cultivation of high-quality SMEs and promote the high-quality development of SMEs, the Ministry of Industry and Information Technology recently issued the Interim Measures for the Administration of Gradient Cultivation of High-quality SMEs. The text of the "Measures" consists of five chapters. The first chapter is general, which puts forward the basis, concept and definition, working principles, division of responsibilities and working objectives. The second chapter is evaluation and identification, which clarifies the principles, standards and related work requirements of evaluation and identification. The third chapter is dynamic management, which puts forward management principles and requirements for updating enterprise information, as well as management requirements such as validity period, violation of laws and regulations and acceptance of reports. The fourth chapter puts forward the principles, contents and methods of gradient cultivation. The fifth chapter, supplementary provisions, defines the implementation date, etc. The "Measures" clarify the evaluation or identification criteria for innovative small and medium-sized enterprises, specialized and innovative small and medium-sized enterprises, and specialized and innovative "little giant" enterprises, and publish them in the form of annexes. These Measures shall be implemented as of August 1, 2022.

  Notice on printing and distributing the Interim Measures for the administration of gradient cultivation of high-quality small and medium-sized enterprises

  No.63 [2022] of the Ministry of Industry and Information Technology

  All provinces, autonomous regions, municipalities directly under the central government and cities under separate state planning, the competent departments of industry and information technology of Xinjiang Production and Construction Corps, and the competent departments of small and medium-sized enterprises:

  In order to further strengthen the gradient cultivation of high-quality small and medium-sized enterprises and promote the high-quality development of small and medium-sized enterprises, the Interim Measures for the Administration of Gradient Cultivation of High-quality Small and medium-sized enterprises are hereby printed and distributed to you, please follow them carefully.

  Ministry of Industry and Information Technology

  June 1, 2022

  Interim Measures for the Gradient Cultivation and Management of High-quality Small and Medium-sized Enterprises

  Chapter I/General Provisions

  Article 1 In order to enhance the innovation ability and professional level of small and medium-sized enterprises, promote their high-quality development, and help realize the upgrading of industrial base and the modernization of industrial chain, these Measures are formulated in accordance with the Outline of the 14th Five-Year Plan for National Economic and Social Development in People’s Republic of China (PRC) and the Long-term Objectives for 2035, the 14th Five-Year Plan for Promoting the Development of Small and Medium-sized Enterprises, and Several Opinions on Improving the System for Supporting the Development of Small and Medium-sized Enterprises.

  Article 2 High-quality small and medium-sized enterprises refer to small and medium-sized enterprises with strong innovation ability in products, technology, management and mode, focusing on market segmentation and good growth. They are composed of innovative small and medium-sized enterprises, specialized and innovative small and medium-sized enterprises and specialized and innovative "little giant" enterprises. Innovative small and medium-sized enterprises have high professional level, strong innovation ability and development potential, and are the basic strength of high-quality small and medium-sized enterprises; Specialized and innovative small and medium-sized enterprises are the backbone of high-quality small and medium-sized enterprises, realizing professional, refined and characteristic development, with strong innovation ability and good quality and efficiency; Specialized and innovative "Little Giant" enterprises are located in the core areas of industrial foundation and key links of industrial chain, with outstanding innovation ability, mastering core technologies, high market share and good quality and efficiency, and are the core strength of high-quality small and medium-sized enterprises.

  Article 3 The participating high-quality small and medium-sized enterprises should be registered in industrial and commercial registration, People’s Republic of China (PRC), have independent legal personality, and conform to the Standard Provisions on the Classification of Small and Medium-sized Enterprises. The enterprises are not listed in the list of abnormal operations or the list of subjects with serious dishonesty, and the products (services) provided are not prohibited, restricted or eliminated by the state. At the same time, there have been no major accidents such as network security and data security, quality and environmental pollution, and tax evasion and other illegal acts in the past three years.

  Article 4 The gradient cultivation of high-quality small and medium-sized enterprises shall adhere to the complete, accurate and comprehensive implementation of the new development concept, the specialization and new development direction, the combination of effective market and promising government, the hierarchical guidance, dynamic management and accurate service.

  Article 5 The Ministry of Industry and Information Technology is responsible for the macro guidance, overall coordination, supervision and inspection of the gradient cultivation of high-quality small and medium-sized enterprises, promoting the introduction of relevant supporting policies, releasing relevant evaluation and accreditation standards, and being responsible for the accreditation of "little giant" enterprises that specialize in novelty. Departments in charge of small and medium-sized enterprises in all provinces, autonomous regions, municipalities directly under the Central Government, cities specifically designated in the state plan, and Xinjiang Production and Construction Corps (hereinafter referred to as provincial departments in charge of small and medium-sized enterprises) shall formulate detailed rules according to these Measures and report them to the Ministry of Industry and Information Technology for the record, and be responsible for the gradient cultivation of high-quality small and medium-sized enterprises in the region according to the detailed rules, and for the identification of specialized and innovative small and medium-sized enterprises and the evaluation of innovative small and medium-sized enterprises. Other institutions shall not carry out evaluation, identification, licensing and other activities related to innovative small and medium-sized enterprises, specialized and innovative small and medium-sized enterprises and specialized and innovative "little giant" enterprises.

  Article 6 The competent departments of small and medium-sized enterprises at all levels should strengthen the dynamic management of high-quality small and medium-sized enterprises, and establish and improve the dynamic management mechanism of "what goes in and what goes out". During the "Fourteenth Five-Year Plan" period, efforts will be made to promote the cultivation of 1 million innovative small and medium-sized enterprises, 100,000 specialized and innovative small and medium-sized enterprises and 10,000 specialized and innovative "little giant" enterprises throughout the country.

  Article 7 The Ministry of Industry and Information Technology shall build a gradient cultivation platform for high-quality small and medium-sized enterprises (https://zjtx.miit.gov.cn/, hereinafter referred to as the cultivation platform) and build a database for high-quality small and medium-sized enterprises. The competent departments of small and medium-sized enterprises at all levels should strengthen service docking and monitoring analysis, carry out regular and irregular tracking on the operation, development trend, opinions and demands of enterprises, as well as supporting policies and cultivation effects, and formulate policies and carry out accurate services in a targeted manner; Further implement the "streamline administration, delegate power, strengthen regulation and improve services" requirements, promote the sharing of enterprise-related data, and reduce the burden of enterprise data reporting.

  Chapter II/Evaluation and Identification

  Article 8 The evaluation and identification of high-quality small and medium-sized enterprises shall adhere to the principles of policy guidance, voluntary enterprise, fostering and promoting, openness and transparency, and be carried out in a coordinated and orderly manner according to the mode of "who recommends, who checks, who audits and who manages".

  Article 9 The Ministry of Industry and Information Technology issues and timely updates the evaluation criteria for innovative small and medium-sized enterprises (Annex 1), the identification criteria for specialized and innovative small and medium-sized enterprises (Annex 2) and the identification criteria for specialized and innovative "little giant" enterprises (Annex 3). The "characteristic index" in the identification standard of specialized and innovative small and medium-sized enterprises shall be set and published by the provincial department in charge of small and medium-sized enterprises in combination with the local industrial situation and the actual development of small and medium-sized enterprises.

  Article 10 In the evaluation of innovative small and medium-sized enterprises, enterprises voluntarily log on to the cultivation platform to participate in the self-evaluation according to the principle of territoriality, and the competent department of small and medium-sized enterprises at the provincial level shall organize the review, spot check and publicity of the self-evaluation information and relevant supporting materials of enterprises according to the evaluation criteria. If there is no objection to the publicity, it will be announced as an innovative small and medium-sized enterprise by the provincial competent department of small and medium-sized enterprises.

  Article 11 For the accreditation of specialized and innovative small and medium-sized enterprises, innovative small and medium-sized enterprises shall apply voluntarily according to the principle of territoriality, and the competent department of small and medium-sized enterprises at the provincial level shall, according to the accreditation standards, organize the review, spot check and publicity of enterprise application materials and relevant supporting materials. If there is no objection to the publicity, it shall be recognized as a specialized and innovative small and medium-sized enterprise by the provincial competent department of small and medium-sized enterprises.

  Article 12 "Little Giant" enterprises with specialization and novelty shall apply voluntarily according to the principle of territoriality, and the competent department of small and medium-sized enterprises at the provincial level shall conduct preliminary examination and spot check on the enterprise application materials and relevant supporting materials according to the accreditation standards, and recommend them to the Ministry of Industry and Information Technology if they pass the preliminary examination. The Ministry of Industry and Information Technology organizes the review, spot check and publicity of the recommended enterprises. If there is no objection to the publicity, it will be recognized as a "little giant" enterprise specializing in novelty by the Ministry of Industry and Information Technology.

  In principle, in the second quarter of each year, the organization will carry out the identification of specialized and innovative "little giant" enterprises, and the provincial competent department of small and medium-sized enterprises should make overall plans for the evaluation of innovative small and medium-sized enterprises, the identification of specialized and innovative small and medium-sized enterprises and the recommendation of specialized and innovative "little giant" enterprises according to the work requirements.

  Chapter III/Dynamic Management

  Thirteenth announced innovative small and medium-sized enterprises are valid for three years. After each expiration, the enterprises will re-log in to the cultivation platform for self-evaluation, and the validity period will be extended for three years after being approved by the provincial competent department of small and medium-sized enterprises (including spot checks). The validity period of the identified specialized and innovative small and medium-sized enterprises and specialized and innovative "little giant" enterprises is three years. After each expiration, the identified department will organize a review (including spot checks), and the validity period will be extended for three years if the review is passed.

  Fourteenth innovative small and medium-sized enterprises, specialized and innovative small and medium-sized enterprises and specialized and innovative "little giant" enterprises within the validity period should update their enterprise information through the cultivation platform before April 30 each year. If the enterprise information is not updated in time, the qualification for review will be cancelled.

  Article 15 During the validity period, innovative small and medium-sized enterprises, specialized and innovative small and medium-sized enterprises and specialized and innovative "little giant" enterprises, such as renaming, merger, reorganization, inter-provincial migration, establishment of overseas branches and other major changes related to the evaluation and identification conditions, should log on to the cultivation platform within 3 months after the changes, and fill in the report form of major changes. Innovative small and medium-sized enterprises and specialized new small and medium-sized enterprises that no longer meet the evaluation or identification standards shall be cancelled by the provincial department in charge of small and medium-sized enterprises after verification; Specialized and innovative "little giant" enterprises that no longer meet the accreditation standards shall be reported to the Ministry of Industry and Information Technology after verification by the competent department of small and medium-sized enterprises at the provincial level, and shall be cancelled by the Ministry of Industry and Information Technology. For those who fail to report major changes within 3 months, the qualification for review shall be cancelled, or the announcement or confirmation shall be cancelled directly.

  Article 16 Within the validity period, innovative small and medium-sized enterprises, specialized and innovative small and medium-sized enterprises and specialized and innovative "little giant" enterprises will directly cancel the announcement or identification if they have major accidents such as safety (including network safety and data safety), quality and environmental pollution, or serious violations of laws and regulations such as dishonesty and tax evasion, or if they are found to have fraudulent data, and they shall not declare again for at least three years.

  Article 17 Any organization or individual may report to the competent department of the corresponding small and medium-sized enterprises with real names for the problems existing in the authenticity and accuracy of the information related to innovative small and medium-sized enterprises, specialized and innovative small and medium-sized enterprises and specialized and innovative "little giant" enterprises, and provide supporting materials and contact information. For the content of the accepted report, the corresponding competent department of small and medium-sized enterprises should promptly verify with the reported enterprise. If the reported enterprise fails to reply as required or confirms that the enterprise has fraudulent behavior after verification, it will require the enterprise to make rectification according to the seriousness of the case, or directly cancel the announcement or identification.

  Chapter IV/Cultivation and Support

  Article 18 The competent department of small and medium-sized enterprises should establish a gradient cultivation system for high-quality small and medium-sized enterprises according to the characteristics and needs of different types of small and medium-sized enterprises in different stages of development in the region, formulate special support policies for hierarchical classification, increase service, safeguard the legitimate rights and interests of enterprises, continuously optimize the development environment of small and medium-sized enterprises, and stimulate the emergence of a large number of specialized and special new enterprises.

  Nineteenth departments in charge of small and medium-sized enterprises should play the role of coordinating mechanism to promote the development of small and medium-sized enterprises, strengthen departmental coordination and linkage, and form a joint effort. Coordinate the use of fiscal, taxation, finance, technology, industry, talents, land use, energy use and other policy tools to continuously support the development of high-quality small and medium-sized enterprises and improve the accuracy and effectiveness of policies.

  Article 20 The competent department of small and medium-sized enterprises should focus on building a service system that promotes government public services, market-oriented services and public welfare services in coordination, and pool service resources and innovate service methods to provide full-cycle, all-round and multi-level services for small and medium-sized enterprises by building platforms such as docking innovation achievements, integrating innovation among large and medium-sized enterprises, and docking supply and demand. Through the combination of inclusive service and precise service, we will strive to improve the breadth, depth, accuracy and response speed of services and enhance the sense of enterprise acquisition.

  Article 21 The competent department of small and medium-sized enterprises and all kinds of small and medium-sized enterprise service agencies should strengthen guidance and services, promote small and medium-sized enterprises to improve their corporate governance, fine management and compliance management, guard against all kinds of risks, promote sustained and healthy development, and give full play to the exemplary role of high-quality small and medium-sized enterprises. In the process of evaluation, identification and service, we should pay attention to the protection of business secrets of enterprises, and obtain the consent of enterprises before publicity, reporting, investigation and exchange.

  Chapter V/Supplementary Provisions

  Article 22 The Ministry of Industry and Information Technology shall be responsible for the interpretation of these Measures.

  Article 23 These Measures shall be implemented as of August 1, 2022. The specialized and innovative small and medium-sized enterprises that have been recognized by the provincial competent department of small and medium-sized enterprises before August 1 and the specialized and innovative "little giant" enterprises that have been recognized by the Ministry of Industry and Information Technology will continue to be effective. The validity period (no more than 3 years at the longest) will automatically become invalid after expiration, and the review shall be carried out in accordance with these measures.

  Attachment: 1. Evaluation Criteria for Innovative SMEs

  2. Criteria for identifying specialized and innovative SMEs

  3. Specializing in the new "Little Giant" enterprise identification standards

  4. Description of some indicators and requirements

  Annex 1

  Evaluation criteria of innovative small and medium-sized enterprises

  one

  Announcement conditions

  The evaluation score is above 60 (including the score of innovation ability index is not less than 20, and the scores of growth index and specialization index are not less than 15), or one of the following conditions is met:

  (a) won the national and provincial science and technology awards in the past three years.

  (two) to obtain the honor of high-tech enterprises, national technological innovation demonstration enterprises, intellectual property advantage enterprises and intellectual property demonstration enterprises (all within the validity period).

  (3) Having a recognized R&D institution at or above the provincial or ministerial level.

  (4) The total amount of newly-increased equity financing in recent three years (paid-in amount of qualified institutional investors) is more than 5 million yuan.

  two

  evaluating indicator

  Including innovation ability, growth and specialization, the evaluation results are calculated according to the score, with a perfect score of 100.

  (a) innovation ability index (out of 40 points)

  1 the number of effective intellectual property rights related to the leading products of the enterprise (out of 20 points)

  A. more than one class I high-value intellectual property right (20 points)

  B more than one class I intellectual property right independently researched and developed (15 points)

  C more than one class I intellectual property right (10 points)

  D. More than one class II intellectual property right (5 points)

  E. None (0 point)

  2. Proportion of total R&D expenses in the previous year to total operating income (out of 20 points)

  A. 5% or more (20 points)

  B. 3%-5%(15 points)

  C. 2%-3%(10 points)

  D. 1%-2%(5 points)

  E below 1% (0 point)

  (2) Growth index (full score: 30)

  3. Growth rate of main business income in the previous year (out of 20 points)

  A more than 15% (20 points)

  B. 10%-15%(15 points)

  C 5%-10% (10 points)

  D 0%-5% (5 points)

  E below 0% (0 point)

  4. Last year’s asset-liability ratio (out of 10)

  A below 55% (10 points)

  B. 55%-75%(5 points)

  D. More than 75% (0 point)

  (3) Specialization index (full score: 30)

  5 leading products in the field (out of 10)

  A. Belonging to the Classification of Strategic Emerging Industries (10 points)

  B. Belonging to other fields (5 points)

  6. The proportion of the total income from the main business in the last year to the total operating income (out of 20 points)

  A more than 70% (20 points)

  B. 60%-70%(15 points)

  C. 55%-60%(10 points)

  D. 50%-55%(5 points)

  E below 50% (0 point)

  Annex 2

  Criteria for identifying specialized and innovative small and medium-sized enterprises

  one

  Identification condition

  Satisfying the following four conditions at the same time is deemed to meet the identification conditions:

  (a) engaged in specific market segments for more than 2 years.

  (2) The total R&D expenditure in the previous year was not less than 1 million yuan, and the proportion of R&D expenditure in the total operating income was not less than 3%.

  (3) The total operating income in the previous year was more than 10 million yuan, or the total operating income in the previous year was less than 10 million yuan, but the total amount of newly-increased equity financing (paid-in by qualified institutional investors) in the last two years reached more than 20 million yuan.

  (four) the evaluation score reached 60 points or above or meet one of the following conditions:

  1 in the past three years won the provincial science and technology awards, and ranked in the top three in the award-winning units; Or get a national science and technology award, and rank in the top five among the award-winning units.

  2. The average total R&D expenditure in recent two years is more than 10 million yuan.

  3. In recent two years, the total amount of newly-increased equity financing (paid-in amount of qualified institutional investors) is more than 60 million yuan.

  4. In the past three years, it has entered the list of the top 500 enterprises in the "Maker China" SME Innovation and Entrepreneurship Competition.

  two

  evaluating indicator

  Including specialization, refinement, specialization and innovation ability, the evaluation results are calculated according to the score, with a full score of 100.

  (1) Specialization index (full score 25)

  1. The proportion of the total income from the main business in the last year to the total operating income (out of 5 points)

  A more than 80% (5 points)

  B 70%-80% (3 points)

  C. 60%-70%(1 point)

  D below 60% (0 point)

  2. Average growth rate of main business income in recent 2 years (out of 10 points)

  A more than 10% (10 points)

  B. 8%-10%(8 points)

  C 6%-8% (6 points)

  D. 4%-6%(4 points)

  E. 0%-4%(2 points)

  F below 0% (0 point)

  3 years in a specific market segment (out of 5 points)

  Get 1 point every 2 years, with a maximum of 5 points.

  4 leading products in the field (out of 5 points)

  A. Actual results have been achieved in "filling short board", "forging long board" and "filling blank" in key links and key areas of industrial chain supply chain (5 points).

  B key leading enterprises that belong to the "six basics" field of industry, the list of China’s time-honored brands or the key industrial chain of enterprise-led products and services (3 points)

  C. Do not belong to the above situation (0 point)

  (2) Refined indicators (out of 25 points)

  5. Digitalization level (out of 5)

  A. Level 3 or above (5 points)

  B. Level 2 (3 points)

  C. Level 1 (0 point)

  6. Quality management level (add 3 points for each item, with a maximum of 5 points)

  A. won the honor of quality award at or above the provincial level

  B. Establish a quality management system and obtain ISO9001 and other quality management system certification certificates.

  C. Own your own brand

  D. Participatory revision of standards

  7. Last year’s net profit rate (out of 10 points)

  A more than 10% (10 points)

  B. 8%-10%(8 points)

  C 6%-8% (6 points)

  D. 4%-6%(4 points)

  E. 2%-4%(2 points)

  F below 2% (0 point)

  8. Last year’s asset-liability ratio (out of 5 points)

  A below 50% (5 points)

  B. 50%-60%(3 points)

  C. 60%-70%(1 point)

  D. More than 70% (0 point)

  (3) Characteristic indicators (out of 15 points)

  9. Local characteristic indicators. By the provincial department in charge of small and medium-sized enterprises in combination with the local industrial situation and the actual development of small and medium-sized enterprises independently set 1-3 indicators for evaluation (out of 15 points).

  (four) innovation ability index (out of 35 points)

  10. The number of effective intellectual property rights related to the leading products of the enterprise (out of 10 points)

  A. more than one class I high-value intellectual property right (10 points)

  B independent research and development of more than one class I intellectual property right (8 points)

  C more than one class I intellectual property right (6 points)

  D. More than one class II intellectual property right (2 points)

  E. None (0 point)

  11. Last year’s R&D expenditure (out of 10 points)

  A. The total R&D expenditure is more than 5 million yuan or the total R&D expenditure accounts for more than 10% of the total operating income (10 points).

  B the total R&D expenditure is 4-5 million yuan, or the total R&D expenditure accounts for 8%-10% of the total operating income (8 points).

  C the total R&D expenditure is 3-4 million yuan or the total R&D expenditure accounts for 6%-8% of the total operating income (6 points).

  D the total R&D expenditure is 2-3 million yuan or the total R&D expenditure accounts for 4%-6% of the total operating income (4 points).

  E. The total R&D expenditure is 1 million to 2 million yuan or the total R&D expenditure accounts for 3% to 4% of the total operating income (2 points).

  F. None of the above situations (0 point)

  12. Proportion of R&D personnel in the previous year (out of 5 points)

  A more than 20% (5 points)

  B. 10%-20%(3 points)

  C 5%-10% (1 point)

  D below 5% (0 point)

  13. Establish the level of R&D institutions (out of 10 points)

  A. National level (10 points)

  B. Provincial level (8 points)

  C. Municipal level (4 points)

  D below the municipal level (2 points)

  E. R&D institutions have not been established (0 point)

  Annex 3

  Specializing in the new "little giant" enterprise identification standards

  The identification of "Little Giant" enterprises specializing in specialty and novelty needs to meet the six indicators of specialty, specialty, novelty, chain and quality at the same time.

  one

  Specialization index

  Adhere to the road of professional development, and focus on a certain link or a certain product in the industrial chain for a long time. By the end of last year, the enterprise had been engaged in specific market segments for more than 3 years, and the total income from main business accounted for no less than 70% of the total operating income, and the average growth rate of main business income in recent 2 years was no less than 5%.

  two

  Refined index

  Pay attention to and implement the long-term development strategy, with standardized corporate governance, good reputation, strong sense of social responsibility, leading domestic production technology, process and product quality and performance, and paying attention to digital and green development. At least one core business is supported by information system in R&D design, manufacturing and supply chain management. Obtain the relevant management system certification, or the product has passed the product certification of developed countries and regions (industry certification of International Standards Association). By the end of last year, the asset-liability ratio of enterprises was not higher than 70%.

  three

  Characteristic index

  Technology and products have their own unique advantages, leading products in the national market share of more than 10%, and enjoy high visibility and influence. Have an independent brand that is directly oriented to the market and has a competitive advantage.

  four

  Innovation ability index

  Meet the general conditions or innovative through conditions.

  (1) General conditions. The following three items must be met at the same time:

  1. For enterprises with a total operating income of more than 100 million yuan in the previous year, the total R&D expenses accounted for no less than 3% of the total operating income in the past two years; Last year’s total operating income was 50 million yuan — For enterprises with 100 million yuan, the total R&D expenses accounted for no less than 6% of the total operating income in the past two years; For enterprises with a total operating income of less than 50 million yuan in the previous year, the total amount of newly-increased equity financing (paid-in by qualified institutional investors) in the past two years is more than 80 million yuan, and the total R&D expenses are more than 30 million yuan, and R&D personnel account for more than 50% of the total employees of the enterprise.

  2. Self-built or jointly established R&D institutions with institutions of higher learning and scientific research institutions, and set up technical research institutes, enterprise technology centers, enterprise engineering centers, academician expert workstations, postdoctoral workstations, etc.

  3. Have two or more Class I intellectual property rights related to leading products, which have been applied in practice and have produced economic benefits.

  (2) Innovative direct access conditions. Just meet one of the following requirements:

  1 in the past three years won the national science and technology award, and ranked in the top three in the award-winning units.

  2. In the past three years, it has entered the list of the top 50 enterprises in the "Maker China" SME Innovation and Entrepreneurship Competition.

  five

  Supporting indicators of industrial chain

  Located in the key link of the industrial chain, it realizes the industrial application of key basic technologies and products around key industrial chains, and plays an important role in "filling short board", "forging long board" and "filling blank".

  six

  Indicators of leading products’ fields.

  In principle, leading products belong to the following key areas: engaging in market segmentation belongs to the core basic parts, components, key software, advanced basic technology, key basic materials and industrial technology foundation of manufacturing industry; Or in line with the top ten key industrial fields of the strategy of manufacturing a strong country; Or belong to the information infrastructure, key core technologies, network security, data security and other products built by network powers.

  Annex 4

  Description of some indicators and requirements

  (1) Unless otherwise specified, the indicators generally use the annual data of the enterprise in the last year, which is specifically defined as: the last complete accounting year of the enterprise, subject to the number of audit reports at the end of the previous year. For enterprises with subsidiaries or parent companies, the relevant provisions of the Accounting Standards for Business Enterprises issued by the Ministry of Finance shall apply.

  (2) The term "owning an independent brand" means that the products or services of the main business have independent intellectual property rights and meet one of the following conditions:

  1. The product or service brand has been officially registered by China National Intellectual Property Administration Trademark Office.

  2. The product or service has realized income.

  (3) The term "Class I intellectual property rights" includes invention patents (including national defense patents), new plant varieties, national crop varieties, national new drugs, national first-class protected varieties of traditional Chinese medicine, and exclusive rights in layout-design of integrated circuits (all of which do not include intellectual property rights that have been transferred for less than one year).

  (4) The term "Class I high-value intellectual property rights" shall meet one of the following conditions:

  1. Invention patents with the same family patent right overseas or other Class I intellectual property rights with overseas income, among which patents are limited to invention patents authorized by G20 members, Singapore and the European Patent Office after substantive examination.

  2. Class I intellectual property rights that have been maintained for more than 10 years.

  3. Class I intellectual property rights with higher pledged financing amount.

  4. Class I intellectual property rights won the National Science and Technology Award or the China Patent Award.

  (5) The term "Class II intellectual property rights" includes software copyrights (excluding trademarks) related to leading products, utility model patents or design patents that have been maintained for more than two years after authorization (excluding intellectual property rights that have been transferred for less than one year).

  (6) The term "digital transformation level of enterprises" refers to the completion of free self-test of digital level on the gradient cultivation platform of high-quality small and medium-sized enterprises, and the specific self-test website and related standards shall be specified separately.

  (7) The "major safety (including network safety and data safety), quality, environmental pollution and other accidents" refers to the supervision departments at all levels, such as product safety, production safety, engineering quality safety, environmental protection and network safety, in accordance with People’s Republic of China (PRC) Law on Work Safety, People’s Republic of China (PRC) Law on Environmental Protection, Regulations on Reporting, Investigation and Handling of Work Safety Accidents, Network Security Law of the People’s Republic of China, People’s Republic of China (PRC) Data Security Law and other laws and regulations.

  (8) The term "equity financing" refers to the way that shareholders of a company dilute part of the company’s equity to investors, and introduce new shareholders by way of increasing capital and shares (transferring equity does not exceed 30%), so as to obtain corporate financing.

  (9) The term "qualified institutional investors" refers to venture capital funds and private equity investment funds that meet the relevant provisions of the Interim Measures for the Administration of Venture Capital Enterprises (Order No.39 of the Development and Reform Commission and other 10 departments) or the Interim Measures for the Supervision and Administration of Private Equity Funds (Order No.105 of the CSRC), which have been filed and standardized in accordance with the above provisions.

  (10) The term "leading product" means that the core technology of the enterprise plays an important role in the product, and the sum of product income accounts for more than 50% of the operating income of the enterprise in the same period.

  (eleven) the so-called "leading products in the national market share of more than 10%, and enjoy a high visibility and influence" can be proved by self-certification or other means.

  (twelve) the term "provincial science and technology awards" includes the first, second and third prizes of science and technology awards of all provinces, autonomous regions and municipalities directly under the central government; "National Science and Technology Awards" include the National Science and Technology Progress Award, the National Natural Science Award, the National Technology Invention Award, and the National Defense Science and Technology Award.

  (thirteen) unless otherwise specified, the term "above" and "below" includes the number; The so-called "exceeding" does not include this number. When calculating the evaluation index score, if the index value is located at the boundary of two scoring intervals, the score will be calculated according to the high score.

  (fourteen) the calculation formula of some indicators in these measures.

  Average growth rate of main business income in recent 2 years = (growth rate of main business income of enterprises in last year+growth rate of main business income of enterprises in last year) /2.

  Growth rate of enterprise’s main business income in the previous year = (total income of enterprise’s main business in the previous year-total income of enterprise’s main business in the previous year)/total income of enterprise’s main business in the previous year *100%. The calculation method of income growth rate of main business in other years is similar.

  (fifteen) the so-called "being included in the business exception list" shall be subject to the query results of the national enterprise credit information publicity system (http://www.gsxt.gov.cn); The so-called "list of serious untrustworthy subjects" is subject to the query results of Credit China (http://www.creditchina.gov.cn).

  (16) The list of the top 500 and top 50 enterprises in the "Chuangke China" SME Innovation and Entrepreneurship Competition refers to the list officially released since 2021.

This is the real technology! Lynk & Co 08 EM-P super range extension technology, where is it strong?

At a time when the new energy industry has become a trend and various new concepts emerge in an endless stream, new energy technology can be said to be the key. However, among the many new energy technologies, not all of them are real technologies, and there are also many gimmicks that contain moisture, such as "magical" graphene batteries, which are essentially lithium batteries.

In fact, the way to distinguish these technologies is very simple, and the answer can be found from the specific technical route and actual performance. When it comes to "real technology", I have to talk about the Lynk & Co 08 EM-P super range extension technology. So, how strong is this technology?

Super dynamic performance, breaking 100 in only 4.58 seconds

Unlike the ordinary range extension scheme, the Lynk & Co 08 EM-P’s range extension scheme is called super range extension, which can lock the range extension mode and drive the engine in parallel. The engine can generate electricity and directly drive the wheels, thus enabling the vehicle to achieve superior power performance.

It is necessary to know that this set of super extended range power is composed of three motors (p1 + p3 + p4) and a 1.5T engine, which is matched with a 3-speed transmission, which can achieve pure electric, extended range driving, or direct engine drive, motor and engine parallel driving, truly meeting the needs of all scenarios and all working conditions.

From the perspective of power parameters, the maximum power of the front-drive motor is 160kW, and the rear-drive motor is 156kW. The comprehensive maximum power reaches 436kW, and the comprehensive maximum torque is 905N · m. The performance is more than twice that of other fuel models of the same level, which can be said to lay the foundation for super power performance. The fastest acceleration of 100 kilometers is 4.58 seconds.

From the driving experience, the Lynk & Co 08 EM-P feels more like a tram, with the same dynamic response as a pure electric vehicle, and it has the same smoothness as a tram. The entire driving experience can be said to be excellent.

In the daily driving process, the power performance of the Lynk & Co 08 EM-P is also commendable. For example, when driving at high speed, the electric hybrid engine can directly drive the vehicle, and the three-speed speed ratio makes high-speed acceleration preferentially use the three-speed direct drive of the engine. The engine speed is low, and charging is carried out at the same time. When more power is required, the motor participates in driving, while when accelerating overtaking and power is insufficient, downshift and torque can be achieved. Overall, the Lynk & Co 08 EM-P super range can be said to perfectly achieve high-speed oil and low-speed electricity, whether it is running long distances and high-speed, or commuting to and from work and urban driving, it can achieve the best.

If you want to go off-road lightly, this car can also satisfy you. The P4 motor has high torque and fast response. The electric hybrid engine uses a high speed ratio of 1 gear, allowing it to be driven at low speeds. With greater torque performance, it can help the vehicle cope with more complex road conditions.

Super endurance, comprehensive endurance up to 1400km

At the same time, with the support of super range extension technology, the Lynk & Co 08 EM-P also has an excellent battery life.

First of all, from the battery point of view, the Lynk & Co 08 EM-P four-wheel drive performance Halo uses a 39.6kW · h ternary lithium flat-panel battery pack, and adds CTP technology, PTC heating, bottom liquid cooling, SOC power balance control adjustment, intelligent adjustment dynamic recovery and other "black technologies", to a certain extent, get rid of the anxiety of electricity use.

Under CLTC conditions, the Lynk & Co 08 EM-P can achieve a pure electric cruising range of up to 245km and a comprehensive cruising range of up to 1400km. In pure electric mode, it can meet the needs of commuting to and from get off work for 1 week. If you often run at high speed, the comprehensive cruising range of 1400km is also completely sufficient, and the main thing is a "0 cruising anxiety".

In addition, it should be said that the Lynk & Co 08 EM-P high-efficiency electric hybrid engine + 80kW generator can provide up to 228kW · h of total power and up to 3.3kW of external discharge power when fully charged, which can guarantee continuous full power use for more than 60 hours, ensuring the normal operation of high-power outdoor appliances such as electric cookers and refrigerators, and can be said to meet the needs of a variety of vehicle scenarios.

Conclusion:

Overall, Lynk & Co’s 08 EM-P super range extension technology can be said to be industry-leading. It not only has super performance, but also has super battery life. Its performance is no less than that of those three or four million "new car manufacturers", and even has certain advantages. I believe that in the future new energy market, Lynk & Co’s super range extension technology will definitely have a place.

Those who get Chinese get the world? Should we seize the opportunity to distribute life? The results of the senior high school entrance examination in Hangzhou have been announced, and we will sort ou

City Express News Last night, the results of the senior high school entrance examination in Hangzhou were announced.
Good news kept coming from all directions, and the parents got excited. Many people showed their children’s senior high school entrance examination results one after another, some of which were high scores of more than 580 points.
By this morning, the interactive reporter of Orange Persimmon heard more high scores, 593, 592, 591, 589 … There is a class in Yucai Middle School, and the average score of the whole class is over 580.
Not only are there many high-scoring candidates in traditional private schools, but also a number of powerful public junior high schools have achieved good results. For example, Tianhang Education Group and Dongcheng Middle School all have high-scoring candidates with 590 points or more, and there are high-scoring candidates with 580 points or more in public junior high schools.
Late last night, parents in grade three were sleepless. Sister Zhang, who lives in the north of the city, has been worrying about which high school her son’s score of 583 points can be admitted to. Is there any hope for Hanggao Gongyuan?
Sister Zhang’s son is studying in a private junior high school in the north of the city. For various reasons, her son has no choice but to take the entrance examination. "Last night, when I first saw the results, I felt that the results were not bad. However, after other students in the class continued to score, I found that there were too many students with a score of more than 580. Later, I found that there were too many high scores, and with extra points, there were candidates with more than 600 points, and I had no bottom in my heart. "
Sister Zhang sent a report card, and her son’s Chinese score was only 109, which was not satisfactory. "Chinese is a drag, alas! I heard that the highest score of my son’s original counterpart’s public junior high school is 588, which is also very good. "
"Give up distribution, I got 580 points in the senior high school entrance examination."
In the case of higher scores, how did those candidates who gave up the qualification of assigning students do in the exam? Before the middle school entrance examination, Orange Persimmon Interactive reporter interviewed many parents of students who were recommended by distribution students. Today, I contacted them and made a return visit.
Xiaoyu’s mother is a parent of a third-year examinee. She accompanied her children to give up the recommendation qualification for distribution students.
"According to our ranking, there was no allocation of students’ qualifications. Because some students in front gave up, we actually got the recommendation qualification by ranking more than 170 students in the whole school at the allocation site, and we could go to an excellent high school. But after his son took office, he chose to give up. "
At that time, it was not long before the second model came out, and my son’s score was more than 470 points, which was just enough for the score line of this school last year. "So in terms of children’s scores, it is still very risky for him to choose to give up. My son loves to play, and his state is sometimes good and sometimes bad. This year, the new policy for the senior high school entrance examination was launched, and my heart is even more uncertain. At that time, many students who were close to their sons were qualified for distribution. I said to him,’ they have a sword, but we don’t. You have to work harder.’ But the children always advised me not to be anxious. "
After the results came out yesterday, Xiaoyu got 560 points. Xiaoyu’s mother said, "Everyone has a high average score this year. Even if I get this score, I still have no bottom."
A boy from Hi-tech Experimental School got a score of 580 yesterday, and the whole family was very happy.
When he was in the second day of the first grade, his grades were not top-notch. By the third grade, his grades were getting better every time. Because the allocation of students depends on the total score of junior high school for three years, he was originally assigned to a branch school with a high school. My mother took him to see this school, and found everything quite good. My mother was very moved and wanted him to settle down. However, he was unwilling and insisted on giving up assigning students to take the exam himself. Mom and dad couldn’t beat him, so they had to obey his wishes. Mom said that at the beginning, she was really anxious and couldn’t sleep all night. Fortunately, the class teacher advised her: "Little brother will be reliable at a critical time." My son is really high-spirited, and he got 580 points this time. Because their hometown is Xiaoshan, they filled in Xiaoshan Middle School. Mom said happily, this is the best result.
Not all the families who gave up the recommendation qualification of distribution students did well in the exam. There are also parents who have insomnia all night because their children didn’t get competitive scores. A voice began to appear repeatedly in the parents’ group: "In the future, the admission scores will rise, and it is safer to take the distribution when there is an opportunity."
Another junior high school parent didn’t give up distribution, saying: "My children are studying in a public junior high school, but when they accompany their children to the distribution scene, they feel that everyone is conservative, especially in the first eight schools, and almost no one gives up. In the last few schools, some children gave up. My children chose the lower one of the two senior high schools, which was also decided by our family after analysis. I think the atmosphere of this school will be more suitable for children. However, I also thought that if children want to sprint in the final stage and give up assigning students to take naked exams, I will also support them. After all, the senior high school entrance examination is only a small pass in life. The results were announced last night, and the child scored 586 points. He should be able to go to this school without distribution, which also confirms that our choice is correct. "
Parents said: the child’s Chinese is good, and this time he has the advantage.
From the scores of the senior high school entrance examination obtained through various channels, we can see that most of the scores of candidates with scores above 590 are full marks in mathematics, science and sports, and almost all of them are above 110 in Chinese. Among the candidates who scored above 580, mathematics and science also got full marks, but the Chinese scores dropped, ranging from 100 to 110.
A parent of a child with a total score of more than 580 in Wenlan Middle School said that the child got a perfect score in math science and a score of 109 in Chinese, which suddenly opened a gap of five or six points with the students who did well in the exam. His children used to be good at science, and they like to challenge difficult problems. If the test paper is a little harder, he can get full marks. This year’s senior high school entrance examination, mainly relying on Chinese to open the gap, is actually very unfavorable to my son.
A parent of a candidate in Wenhai Experimental School said that the child is also good at science and weak in language. This time, he scored more than 90 points in the language test. The child has tried his best, but compared with the child with good language, the gap is 20 points. "If the senior high school entrance examination is not good, everyone says that there is a playground. It is true."
A candidate in No.13 Middle School who usually gets good grades in Chinese and is relatively weak in math science did well this time. The parents of the candidates said that on the two days of the senior high school entrance examination, the children who came home every day said that they did well in the exam and were in a particularly good mood. Originally, she specially found a math and science tutor for her children, and in the second half of the third semester, she made surprise lessons at home every weekend. This time, the children’s math science is about 10 points lower than that of their classmates, but they got more than 110 points in the Chinese exam, and their total scores rose a lot at once. At first, she thought that children might only be able to read an excellent high, but now it is possible to be heavy.
He who gets Chinese gets the world.
The importance of language ability is almost from primary school to middle school.
This morning, a colleague of Orange Persimmon Interactive reporter, whose child is in primary school, went to the parent-teacher conference at the end of the semester. The Chinese teachers were all concerned about this year’s mid-term examination paper, saying that if the overall difficulty is reduced, the language and literature are not good and a strong competitive point may be lost.
"Those who have a language will win the world." The language here refers not only to language subjects, but to language ability.
"One of the most important Chinese skills is the ability to read and understand. In the past two years, there has been more and more reading of Chinese in the college entrance examination, and the propositional thinking is also in this respect. Because of weak reading ability, I basically lost at the starting line. At the same time, this kind of reading and understanding ability is not only used in Chinese subjects, but also in physics and other sciences. " A senior high school Chinese teacher said.
A senior Chinese teaching and research researcher in Hangzhou said that those who get Chinese won the world, not just in the exam. Chinese is the mother of subjects, an important means to cultivate thinking, and it will also affect a person’s aesthetics, temperament, expression, communication and many other aspects. It can be said that Chinese affects a person’s temperament. It is a good thing to have a large degree of Chinese discrimination, because the quality of Chinese learning is an important factor that determines whether a person can go far or not. Chinese can’t be crammed by learning science for quick success and instant benefit. What is needed is long-term study and accumulation. In addition, by studying the proposition of this year’s senior high school entrance examination, we can see that the scope of concern is very wide, reminding everyone not only to care about things in books, but also to care about current affairs and politics and understand what is happening now.
Teacher Ding, the leader of the Chinese lesson preparation for the third grade of the High-tech Experimental School, said: "The students who did better in the Chinese test in this school are all students who usually read more, accumulate more, think more and slowly. Chinese learning can’t just rely on practice, but requires students to read a wide range, not only books, famous books and newspapers and periodicals. While mastering relevant reading methods, we should also pay attention to the use of situations, learn to think, and strengthen the training of associative thinking and dialectical thinking. "
The headmaster of a public school said: "The importance of Chinese is reflected in this exam. Candidates who are more careful and thoughtful have the upper hand. For example, there is no difference in ability between candidates with a score of 118 and those with a score of 120, but a student may have an advantage if he is more rigorous in study habits and thinking. Such students have advantages in all subjects, not just Chinese. Perhaps among the top masters, everyone has full marks in science, and the performance of Chinese will be more important. "
The proportion of distribution students in the province has gradually increased from 60% to 70%
The announcement of the scores of the senior high school entrance examination is not only concerned by the parents of junior high school students, but also by many parents of primary schools and kindergartens. Among them, the discussion on the topic of distribution students has always been a hot topic.
Next, the number of allocated students will be further improved. Yesterday, the Education Department of Zhejiang Province issued the "Fourteenth Five-Year Plan for the Development of Education in Zhejiang Province", which made a comprehensive plan for the education in the whole province during the Fourteenth Five-Year Plan period. It is clear in the regulations that during the 14 th Five-Year Plan period, the proportion of excellent and high distribution to schools will gradually increase from 60% to 70%, and the proposition of the province’s senior high school entrance examination will be gradually realized.
The proportion of 70% allocated students has little influence on parents who are now in junior high school, but it has great influence on families who are currently attending kindergartens and primary schools. "After 70% distribution, plus 5% special students, there are really not many places left for the naked entrance examination." An insider in the education circle analyzed.
This policy has influenced the educational planning of many families.
A primary school principal said: "If the proportion of allocated students increases, the competition between schools will be weakened and the competition within schools will be intensified. In the future, the competition for distribution students will be fierce in junior high schools, and the situation of going to private schools to take naked exams will also change. Fairness in education is a general trend. "
Why is the score high in the senior high school entrance examination this year?
On the one hand, the proportion of allocated students is expanding, on the other hand, the competition for naked exams is also increasing. Let’s look at a set of data:
There are about 31,000 junior high school graduates in Hangzhou this year. The enrollment plan for ordinary high schools in Hangzhou in 2021, which centralizes and unifies the enrollment of the first batch of enrollment schools, is roughly composed of the following parts.
Step 1 assign students
From 50% last year to 60% this year, the number of places has indeed increased a lot. This year, a total of 14 schools (20 enrollment units) in Hangzhou enrolled 5,178 students, 1,197 more than the 3,981 students who walked in last year.
2. Special students
It mainly includes sports, art and science and technology. Some schools recruit all three categories, and some schools recruit one or two of them. The number of students is also different. Some schools have less than 10 special students, and some schools have more than 30 special students.
In the first batch of 35 enrollment units, 24 schools (or campuses) enrolled special students, with a total of 611 students.
3. Special classes (music, dance, art, media) and Sino-foreign cooperative education projects.
A number of schools hold Sino-foreign cooperation in running schools, which is what parents often call "international classes". There are also some schools that hold special classes in art and media. In the independent enrollment and the first batch of centralized and unified enrollment, there are about 1200 such enrollment plans.
Apart from these three items, it is basically the enrollment plan admitted by the senior high school entrance examination in Hangzhou. So what are the enrollment plans that parents say "just spell the results of the senior high school entrance examination"? According to a preliminary estimate, there are nearly 8,000 students in 35 enrollment units, including 599 people in the "top three" that people often say; There are more than 2,100 people in the "Top Twelve Institutes".
Having said that, let’s answer the biggest doubt of candidates and parents: why is the score in the senior high school entrance examination so high this year? Is it because it’s simpler than usual?
Orange persimmon interactive reporter interviewed several middle school principals and people in the education circle. Everyone’s opinions are relatively consistent, which is really simple for two reasons:
First, the two exams will be integrated this year, and the academic level exam for junior high school graduates and the entrance exam for junior high school graduates will be integrated. It is not only a senior high school entrance examination, but also a graduation examination to meet the needs of further education. In the past, some students who were directly admitted to secondary vocational schools in advance without taking the senior high school entrance examination will also take the senior high school entrance examination this year, so the difficulty will naturally not be great.
The second is to respond to the national policy of "reducing the burden". In recent years, the senior high school entrance examination papers have focused on the basics, reducing off-topic and strange questions.
Seeing more and more high scores, many parents are worried that the scores will rise.
A principal said: "This is the first time to implement the senior high school entrance examination for all staff. In the past, a group of candidates with strong strength were sent directly to high schools, and they did not have to take the senior high school entrance examination, so there was no score in the senior high school entrance examination. This year, this group of outstanding students also participated in the senior high school entrance examination, and the number of high-scoring candidates increased, which is relatively normal and conforms to the principle of normal distribution. " However, parents can relax a little. A group of outstanding candidates have been recommended as quota allocation students and were admitted on July 7. Naturally, it will not affect the scores of high schools when the first batch of enrollment is centralized and unified on July 10.
"However, it is normal to increase the number of allocated students, reduce the number of places admitted through the senior high school entrance examination, and improve the score line."
More than 700 people got extra points for the senior high school entrance examination.
In the process of waiting for the results of the senior high school entrance examination to be announced last night, several results came out, which made parents exclaim, because the total score of these candidates has exceeded 600 points, and the reason behind it is-extra points.
"This year’s senior high school entrance examination is not difficult, and there may be many people with the same score. If you have extra points, it is equivalent to sitting on the rocket. " A parent said.
Before the entrance examination, the website of Hangzhou Education Bureau publicized the list of all kinds of high school candidates in Hangzhou in 2021, and more than 700 candidates in the city got extra points for the entrance examination.
In the publicity list, you can see that candidates get 5-30 points. Most candidates meet the conditions of extra points, which are minority candidates, plus 5 points. In addition, there are children of overseas Chinese, plus 5 points; Children of medical aid team members in Hubei, plus 10 points …
Judging from the data of all the lists, there are about 500 minority candidates who meet the most conditions for extra points.
During the annual enrollment season, many parents pay special attention to extra points. In recent years, the policy of the senior high school entrance examination in Hangzhou has been constantly adjusted, and the items with extra points have been continuously reduced.
Previously, winners in sports, art, science and technology competitions had the opportunity to get extra points. In 2019, Hangzhou Education Bureau announced the "Implementation Opinions on Further Promoting the Reform of Entrance Examination System for Senior High Schools in Hangzhou (Draft for Comment)", indicating that it will implement the requirements of "reducing items and points" and strictly control the bonus items and points. Starting from 2021, that is, this year, bonus points for students in sports, art, science and technology will be cancelled.
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Those "signals" before sudden death are often false.

Original health encyclopedia clove doctor

The "sudden death" often mentioned in life is usually "sudden cardiac death".

Under fear, "rapid heartbeat, excessive sweating, shortness of breath, extreme fatigue" is transmitted as a "sudden death signal."

But in fact, before the onset of sudden cardiac death, there is no obvious clinical manifestation, and the so-called "sudden death signal" can not be used as a criterion. The onset of sudden cardiac death is often acute, fierce and dangerous. Some people may have early discomfort such as palpitation and dizziness, but they are not specific (not the corresponding relationship) and cannot be widely alarmed.

According to statistics, at present, almost one-third of patients have no clinical manifestations before sudden death, and they have not undergone formal screening and diagnosis and treatment. Moreover, given the current medical level, it is sometimes difficult for us to find some potential heart diseases, and it is even more difficult to prevent these people.

Image source: Station Cool Hailuo

Although the current preventive measures for sudden cardiac death are limited, and sudden cardiac death is sometimes difficult to prevent, we don’t have to panic too much, because after all, it is a small probability event and mainly people with definite heart disease.

For the general public, that is, people who have no symptoms or evidence of heart disease at present, all we have to do is to maintain a healthy lifestyle and a positive and optimistic attitude, pay attention to diet and exercise, and do regular physical examinations at the same time.

Encyclopedia author

Lilac doctor health encyclopedia team

Audit expert

Yu Zhang Emergency Physician

Plan and make

Planning: BruceLi | Producer: Monkey Pigeon

Typesetting: Nana

Cover image Source: Lilac Doctor Content Team

Read the original text

What reminds you that you are getting old? "Four-character Classics" to Teach You Healthy and Longevity

  Editor’s note:In the face of aging, people can do nothing, but 60, 70, 80… … How old is "old"? Apart from white hair, wrinkles and presbyopia, what conditions remind you to start getting old? What diseases are often mistaken for the normal phenomenon of aging? Today, People’s Health Network will talk to you about "getting old".

  What conditions remind you to get old?

  Eyes get tired easily. Often dry eyes, I can’t see clearly at night, and I am sensitive to strong light.

  Eat a lot. Because the saliva secreted by parotid gland is reduced, it is easy to dry mouth. Because of poor swallowing and chewing ability, facial muscle relaxation, eating is easy to choke, eating slowly, or complaining that food is cooked too hard, chewing often accidentally bites the meat on the inside of the cheek.

  It tastes heavier than before. When people get old, taste buds decrease, olfactory cells degenerate, and food becomes tasteless. In particular, it is insensitive to sweet and salty feelings, cooking is easy to cook salty, and the acceptance of sweets becomes higher.

  Blood pressure is higher than before. With age, the arteries tend to be hardened, narrow and less elastic, and the blood pressure will be higher than in the past. In addition, renal function naturally degrades with age, which affects the ability to excrete sodium, and blood pressure is more likely to increase due to salt spray.

  Short in height and light in weight. When people get old, the intervertebral disc shrinks, the bone density becomes lower, and the speed of muscle loss becomes faster, and the water content of cells decreases, so the height and weight of the elderly will gradually decrease compared with the past.

  After illness, recovery is slow. Immune function will deteriorate with aging. When injured, wound healing will be slower than before, and it will take more days for a cold to recover.

  Go to the toilet longer and more frequently than before. Because of the weakness of intestinal muscles and the aging of intestinal nerves, people tend to have constipation and difficulty in defecation when they get old. In addition, when people get older, the bladder capacity will decrease slightly, and the secretion of hormones that regulate urine will decrease, resulting in frequent urination, especially the number of times to get up and go to the toilet at night.

  Sleep habits change. Including falling asleep harder than before, sleeping less (usually getting up earlier), waking up easily at night, and needing to make up sleep during the day.

  Often accidentally fall or almost fall. Because of bone degeneration, muscle strength decline, ankle joint mobility becomes smaller, when walking, you will unconsciously drag your heel, accidentally kick something or stumble.

  Walk slowly. Due to the decline of cardiopulmonary function, muscle atrophy and lower joint activity, the pace will be smaller than before, and it is easy to get out of breath or feel tired when walking fast, so I want to stop and rest.

  These conditions are often mistaken for aging.

  1. Slight hand shaking. Nerve function will be slightly degraded when people get old. According to research statistics, 40% of people over the age of 55 will have symptoms of hand trembling. But more than 95% will not be serious enough to affect daily life. However, some hand tremors may be Parkinson’s disease. Generally speaking, Parkinson’s disease usually has symptoms such as stiff limbs and expression, slow pace and poor balance besides hand shaking. The body looks a little hunched, and hand shaking can happen at rest or during activities.

  2. Poor memory and slow response. When you get older, due to the decrease of nerve conduction substances, your reaction will be slightly slower than before, your attention will be less concentrated, or you will occasionally forget something. But most of the time, memory will not become worse. If you find that your elders’ memory is obviously worse, such as repeating what you have said often, forgetting what happened a day or two ago, forgetting what you used to be familiar with, and showing bad temper and strange behavior, you should pay attention to the possibility of Alzheimer’s disease.

  3. often fall down. Although due to insufficient muscle strength, reduced joint mobility, slow response, etc., the elderly will accidentally fall or trip. However, the unsteady pace may also be caused by problems in the nervous system of the brain, such as stroke and Alzheimer’s disease, which may cause disharmony between hands and feet and fall. Therefore, when an elder falls, it is necessary to confirm whether there is dizziness, headache, sudden muscle weakness and nerve paralysis when he falls.

  4. It is easy to get tired and gasp. When people get old, their physical strength and cardiopulmonary function become worse. Some old people are more likely to be tired or panting when they engage in activities they used to do, such as buying food, climbing stairs and shopping. But asthma and fatigue are also one of the symptoms of heart disease, so be alert. Especially for women, according to statistics, more than 70% of women with acute myocardial infarction have experienced asthma, fatigue, insomnia, indigestion and anxiety, but they have no chest pain. Therefore, if the elderly have asthma or fatigue, which does not appear after a period of physical activity, and has symptoms of shortness of breath, dyspnea, powerlessness and chest tightness, it is best to go to the geriatrics department or cardiology department for examination.

  "Four-character Classics" for Health and Longevity

  A contented mind is perpetual feast. Chinese medicine believes that "the spirit is internal, and the illness is always safe." A good attitude is a panacea for health and longevity. Old people should not have too many "greedy" thoughts, such as greed for wealth and power, greed for children’s company, and excessive pursuit of perfection. When people get old, they should learn to let go, take life events lightly and let nature take its course. Marx once said that a good mood can relieve physical fatigue and pain better than ten pairs of good medicine.

  Don’t change your diet. The diet of the elderly should be low in fat and high in energy, with a small amount of meals, and follow the principle of miscellaneous colors, omnivores and miscellaneous grains. On this basis, try to choose your favorite food. If there are no obvious health disadvantages, don’t suddenly change your living habits for decades for the sake of so-called health. Of course, bad habits such as smoking and drinking must be given up.

  Chat with friends. Studies have found that people with frequent social activities are 50% more likely to live longer. No matter how old you are, don’t break up with friends and relatives, but also make new friends. Playing chess, chatting and recalling the past are all good social content.

  Moderate exercise Old people over 75 years old should exercise according to their abilities, and strenuous exercise is not recommended. It is advisable for the elderly to take a walk and hit Tai Ji Chuan, and keep a state of leisure and stop-and-go, so as to achieve physical and mental peace.

  Return to society. Old people should cultivate hobbies, such as calligraphy, photography, travel, etc., and find pleasure in life. If your body permits, you can help others, do some voluntary activities, community services, etc., and help others while being happy.

  Five great wisdom of dealing with life in old age

  Emotional stability. In old age, people’s mental state is vulnerable and sensitive, the overall psychological defense mechanism and resilience are declining, and the emotional stability is not as good as before. Especially for the elderly who are chronically ill and just retired, they lack a correct understanding of the disease and their own situation, and they will have negative emotions such as boredom and complaining. There are also some old people who are naturally grumpy and unreasonable, like hedgehogs, and even play with children’s temper to keep people around them at a respectful distance. If you can’t reflect on yourself in time, you will easily be left out by your family and become a "loner", and your mood will get lower and lower. Emotional physical diseases such as anxiety, depression, heart disease and diabetes will take the initiative to find you.

  People always need an ability, that is, to maintain a stable mood. A kind-hearted old man can always gather a large group of people around him. His grandchildren like his wisdom, his children can feel his selflessness, his wife is attached to his love, and his old friends are willing to talk with him. Such old people form a benign interaction with the circles around them, and their physical and mental health level is higher. In fact, the old man has experienced storms all his life and should have looked down on everything. Being grumpy is simply because you can’t let go of things other than fame and fortune, money and emotions. It is better to calm down, pay more attention to your physical and mental feelings, walk around, send feelings to the mountains and rivers, practice yoga and ask about meditation.

  Determination. Some old people always have a mentality of "muddling along". For example, it is difficult to take the first step when you want to travel, and you are always worried about "what if you can’t walk" and "no one will accompany me". I wanted to cook braised pork, but I thought, "It’s just the two of us, it’s not worth it", so I made do with leftovers. I have been unwell for a long time, but I always feel lucky and think that I have nothing serious. I can’t make up my mind to do something because I haven’t realized the importance of it. When you really can’t walk, you can’t chew a piece of meat, and a minor illness drags you into a serious illness, it’s too late to regret it.

  Old people need to learn to make up their minds to live a healthy and wonderful life in a limited time without leaving any regrets. Steve PaFeline, an American psychologist, once said that the key step in making up your mind is to take action. No excuses, no arguments, no lengthy analysis, no complaints about the hardships of the process, no worries about other people’s ideas, and no cowardly delays. Let’s make a wish list, sort it according to the degree of yearning, and start to do the first thing at once.

  Control. Many times, frustration comes from some small sense of out of control. For example, I want to have a good sleep, but I always think about it. I want to talk to my children but I can’t get a response. I want to go out for a walk but I can’t control my body. From the psychological point of view, people grow up in setbacks, and they also leave a sense of "learned helplessness" out of control in the subconscious. The older you get, the worse your health is, and the harder your children’s wings are, the stronger this feeling of losing control becomes.

  In fact, as long as the old people choose to change, they can regain control of their lives. First of all, admit the lack of control, and believe that we can gain some control through hard work. Secondly, you should not lose your hobbies, and set some detailed goals for your life, such as spending three months studying gardening and spending a year traveling around the five mountains. Once again, call on my wife and old friends to change together and supervise each other. Finally, control your emotions and often reflect. Always reflect, when you are anxious or depressed, write down what you want to say in your mind at that time, whether it is swearing or negative words, and look back every month to find the key points to manage your emotions.

  Optimism. Studies at home and abroad show that optimism is the only commonality of long-lived elderly people. Older people with optimistic personality have stronger adaptability, healthier hearts and more flexible brains, and lower risk of cognitive impairment. When people are old, it is inevitable that there will be some minor ailments and pains. Some old people can be optimistic and smile at life, but some old people are pessimistic and worried, can’t eat well and can’t sleep. In the face of the illness or death of relatives around them, some old people are like a sore throat, talking about cancer. However, if you are in a state of anxiety for a long time, your body function and endocrine system will be out of balance, and as a result, you will "find a disease" without getting sick. In a sense, if you are optimistic, you can get better therapeutic effect.

  In fact, the elderly should be an optimistic group. In the view of Mara Mather, a psychologist at the University of California, Santa Cruz, USA, when people are old, their gain and loss are weaker and they tend to become optimistic. However, nowadays, the impetuous society also embraces the elderly, which makes the gain and loss of the contemporary elderly more and more serious. Old people might as well give full play to their wisdom, read more books and newspapers, think more about themselves, look on the bright side and be an optimist.

  Responsibility. An eight-year follow-up survey by Stanford University in the United States shows that the elderly who are cautious, careful, patient and responsible live the longest. In the hit drama "in the name of people", Chen Yanshi, the old attorney general, is still defending the rights of workers in Dafeng Factory at the age of 80. It is this sense of responsibility that makes him live his life and inject new impetus into his life.

  Old people need to put their sense of responsibility on their bodies and families. If you are not feeling well, you should neither worry too much nor let yourself drift. You should go to the hospital for consultation in time. Old people have the responsibility to protect their physical and mental health, not to drag down their children, and to leave a wife to rely on in her later years. Retirees should put their sense of responsibility at home, instead of leaving their wives behind and going out to play cards, work and travel by themselves. Only by doing your duty to your family can you enjoy a happy old age.

  Which of the seven living conditions of retired people has the longest life?

  Love work. Doctors, teachers, researchers, writers and other professions "become more popular as they get older". There are many people who retire from these industries who love their work and want to exert their waste heat. Compared with young people, they have rich experience, solid skills and mature mentality, and are full of attachment to their beloved career. If you leave work completely, it is not only difficult for you to adapt for a while, but also a loss to society. Researcher Li Juan, director of the Research Center for Geriatrics Psychology, Institute of Psychology, Chinese Academy of Sciences, pointed out that the more people invest in their work, the harder it is for them to accept their retirement life. In particular, employees in the above industries are more prone to various psychological barriers after retirement, and men are more prone to psychological gaps than women. This is because men’s life focuses more on their careers, spend more time and energy on their work, and suddenly leave the post where they have worked for half their lives, and it is easy to lose their life goals and sense of accomplishment, resulting in a sense of loss. After retirement, such people can return to work through part-time, re-employment and consulting, and continue to shine in this industry. For example, Wu Daguan, the father of China aero-engine, is still active in scientific research at the age of 80; Academician Cheng Shujun mentioned earlier, Professor Hu Dayi, a famous cardiovascular expert, Professor Luo Kangxian, a leading infectious disease expert in Southern Hospital, and other medical experts also insisted on clinical and scientific research fronts. Because their self-worth has been realized and their lives have been enriched, these old people are full of energy and strong health. Experts remind that old people returning to work should adhere to the principle of "green leaves lined with red flowers".Encourage young people more, give more advice and help, make as few decisions as possible, and interfere in specific affairs.

  Warm-hearted. Some people are naturally warm-hearted, lively, eager to organize activities, willing to lend a helping hand, and their popularity is excellent. After leaving the unit, my side suddenly became quiet, just like a lively drama came to an abrupt end, and my heart was empty. "People are social animals and cannot do without groups." Xiong Bijun, president of the Gerontology Research Association of China Academy of Social Sciences, pointed out that warm-hearted old people should not stay at home, but volunteer in the community to help their neighbors. There is a 93-year-old man in Xi ‘an, Shaanxi Province. After retirement, he set up a "Happy Camp" in the community, organized his peers to play bridge, chat at home, bask in the sun, and so on. He also made benches and tables by himself and provided tea. Nowadays, forty or fifty people attend every activity, and the elderly are in good physical and mental condition. By the way, let the old partners also set foot on the "health express". Old people in good health can also volunteer in charities, community rehabilitation centers and other places. A recent study shows that old people who are willing to help others are happier and live longer.

  Hermit pastoral type. The older people get, the easier they are to feel homesick. This "home" is their hometown. Although I am old and my brain is not very flexible, the mountains I climbed, the rivers I crossed and the familiar local accent are still vivid in my mind. Li Juan said that Chinese has always had a cultural tradition of seclusion. Tao Yuanming, a writer in the Eastern Jin Dynasty, described the rural life of "planting beans in the south of the mountain, the grass is full of beans and seedlings are scarce, the morning is flourishing and the lotus is brought home", which contains the natural philosophy of being far away from the world and quietism, and can make the elderly who have been wandering for many years find the destination of their souls. Simple farm work such as raising chickens and growing vegetables can promote blood circulation, enhance physical fitness, clear your head and lay a good foundation for longevity. Many people will say that when I retire, I will go back to my hometown, but it often doesn’t come true. Therefore, if you already have a plan to retire to your hometown, you may wish to buy a residence and fields in advance, and at the same time have a regular physical examination to find relatives and friends who can take care of each other.

  Unfinished dream. When I was young, my children were too young, I had too little money, my vacation was too short, and I couldn’t live without my work … … Older people always like to look back, and they will find that because of the above reasons, they have saved a lot of unfinished wishes. Otsu Hideyoshi is a hospice care practitioner in Japan. He listened to more than 1,000 patients’ "dying regrets", many of which were minor things that were unfinished when he was young, such as "not traveling where he wanted to go", "not doing what he wanted to do" and "not enjoying food". Life is like a tour group, it’s a pity not to go the whole way. If you really want to try to realize your dream and you are in good health, do it bravely and don’t leave regrets for your life. Allen Langer, a professor of psychology at Harvard University in the United States, once pointed out in an interview with Life Times that we have much more control over our physical and mental health than you feel. We should actively grasp the control over our own lives and discover those young "possibilities", so that our bodies can fully accept these challenges. Experts remind that once the elderly make up their minds to realize their unfinished dreams, they should turn their wishes into goals and add a "deadline" to make it easier to achieve them.

  There is no end to learning. For the older generation, when they were young, the conditions were limited, and learning was a "luxury". "Some old people are curious, like to learn new things and are willing to learn new things, which is very good." Xiong Bijun said that foreign studies have found that curious old people live longer. Learning can delay mental decline, create more hobbies, help the elderly to strengthen interpersonal communication and enhance their sense of happiness and value. After retirement, with a lot of time, the elderly may wish to study computer, photography, calligraphy, painting and other more complex and brain-intensive skills in a planned way, or participate in the university for the elderly. A competitive old man should avoid comparison and learn knowledge. There is no need to pursue learning more and better than others.

  Dependent on children. Many old people are inseparable from their children, either living together, helping to take care of their children and do housework, or going to their children’s homes from time to time to "inspect". Xiong Bijun pointed out that many long-lived elderly people live with their children, and the younger generation does their duty to take care of the elderly, and the elderly also try their best to assist their children and grandchildren. However, from a psychological point of view, parents and children should learn to "separate" and keep a moderate distance. If the "umbilical cord of affection" is always tied together, and the elderly often interfere with their children’s marriage life intentionally or unintentionally, it is easy to have family conflicts.

  Introversion is so quiet. Some people are quiet and don’t like too much contact with others, so they hope to enjoy their old age quietly after retirement. Li Juan said, like quiet doesn’t mean living alone and doing nothing. Being alive is not just a number of years, but the quality of your life. If you feel "noisy" about taking children and keeping pets, you might as well plant flowers and grass at home, or learn calligraphy and cooking, see what nature looks like, feel the changes of seasons and listen to the call of art. Living at home for a long time, it is easy to get confused. TV is a day at a glance, and the meal is also "fooled". It is suggested that the quiet old people list their daily schedules, including getting up, sleeping, eating, exercising, reading, walking, etc., and strictly implement them, so as to enrich the quiet life. (People’s Health Network Comprehensive from Life Times)

Five Routers Recommended for NAS Users

In this era of information explosion, everyone produces a lot of data every day, and people’s demand for data storage is growing. Especially for some audio-visual enthusiasts, in order to meet the storage of massive high-definition videos and pictures, more and more people began to choose NAS.

The full name of NAS is Network Attached Storage. To put it simply, NAS is equivalent to a computer with K-ability, which is cheap and does not consume much electricity. As long as you connect to the Internet, you can build your own private cloud disk, and you can access your photos, videos and various files stored on it anytime and anywhere.

However, although NAS looks beautiful, it actually has certain requirements for the home network environment, such as the most basic router. Because NAS devices have high requirements on the transmission speed of the internal network, and many NAS devices are equipped with 2.5G network ports at present, routers connected with NAS also need to have 2.5G network ports.

Therefore, this time, I would like to recommend several routers suitable for NAS users with high praise rate and popularity among users.

01 TP-LINK 5480

XDR5480 is a product recommended by many netizens recently. As long as someone asks for the recommendation of a router around 500 yuan on the Internet, it is always indispensable in the following comments, and it is even directly called "500-price goalkeeper" in some grass-planting articles. In the evaluation of goods in JD.COM, this product achieved 97% favorable rate with a sales volume of 20,000+,and some users even commented that they would consider starting another one.

In terms of configuration, according to the current online disassembly, XDR5480 adopts Qualcomm IPQ5018 dual-core CPU with the main frequency of 1GHz. In fact, there is nothing to say about performance. It supports 160Hz bandwidth and 4K QAM modulation. The dual-band six-channel wireless rate is as high as 5400Mbps, which is 20% higher than the peak rate of ordinary WiFi6. Built-in 6 high-power independent FEM, one-button Turbo can enhance the signal.

Netizens generally reflect that the signal and firmware of this router are stable, and there is no disconnection. Even through the wall, it can have a good 5GHz signal performance. Coupled with its price in 500 yuan, it is not difficult to understand why many netizens have recommended it as a goalkeeper at the price of 500 yuan.

However, this product is not perfect. First of all, it is equipped with a 2.5G custom network port, which requires users to purchase a 2.5G electrical port module for installation. Even a third-party module with a slightly cheaper price will make the overall cost come above 600 yuan. In addition, TP-LINK’s consistent 16MB small memory is a little stingy before a group of competing products, and its playability is reduced. In addition, according to the reaction of most buyers, this router is slightly larger in appearance, which is slightly discounted from the aesthetic point of view.

02 Xiaomi AX6000

Since XDR5480 is mentioned, we have to say that its direct competitor Xiaomi AX6000. As an upgraded version of Xiaomi AX3600, AX6000 has increased the support for large bandwidth of 160MHz, improved the problem of weak signal penetration through walls, and is equipped with the world’s first Qualcomm SoC scheme of 4QAM technology, an independent AIoT antenna and, most importantly, a 2.5G network port. This has caused it to be snapped up by many netizens since its release. Coupled with the impact of chip shortage, this new product, which was only listed at the beginning of this year, has been out of stock for a long time.

But it is this 2.5G network port that has brought many questions to Xiaomi AX6000, which looks almost perfect. According to the publicity materials on the page, we can see that this 2.5G network port shares the transmission bandwidth of 1Gbps with other LAN ports, which leads to the problem that this 2.5G network port cannot run at full network speed in actual use.

However, there is also a solution to this problem, which requires users to connect another 2.5G port switch to meet the high-speed transmission demand of multi-device intranet.

On the other hand, in the face of excellent signals and performance and Xiaomi’s excellent ecosystem, this shortcoming can be regarded as a flaw. After all, this is one of the few routers with its own 2.5G network port that can be bought at the current price of 500 yuan. In addition, the shortage of this product has also improved recently, and it is no longer so difficult to buy.

03 Zhongxing AX5400Pro

AX5400Pro is the latest Wi-Fi 6 router launched by ZTE. Its selling point is that it is equipped with a 12-core chip developed by ZTE and a true ·2.5G network port. The price is also set at an attractive 549 yuan.

This 12-core chip adopts the combination of 4-core 1.1Ghz CPU+8 and 8-core NPU, and its bidirectional data throughput can reach 20Gbps. Just looking at the parameters is still very attractive.

Because this new product has just been on the market, the feedback from the first batch of users is not too much. Although the current disassembly shows that the router is sincere in workmanship and materials, the specific performance needs time to verify. However, as far as the real ·2.5G network port is concerned, it can meet the intranet transmission needs of NAS users. Users who want to adopt early adopters or support domestic brands may wish to give it a bold try.

04 Asus RT-AX86U

In the latest survey on the satisfaction of American home routers in 2021, ASUS ranked first in customer satisfaction with 859 points. RT-AX86U is the main high-end flagship product of ASUS. This route is equipped with Broadcom quad-core 1.8GHz processor, 1GB RAM memory and 256MB storage, supporting 2.4GHz/5GHz+5GHz dual-band wireless, and the dual-band concurrent transmission rate is as high as 5700Mbps.

Especially in terms of interface, the AX86U is a giant.

In addition, ASUS’s AiMesh and brush functions have always been its characteristics, plus the flagship configuration and materials, which are very suitable for geek players who like to toss.

05 Asus ROG GT-AX6000

Users who are familiar with ASUS brand will certainly be familiar with ROG. As the representative of the ultimate performance of ASUS, ROG series products will never disappoint in performance, and of course, the price will not. However, don’t skip it yet. In front of the above products, this GT-AX6000 will make you really feel the old saying "You get what you pay for".

Aside from a series of parameters such as configuration, transceiver rate, antenna, etc., GT-AX6000 is equipped with two in one go, even 2000M optical fiber. This time, whether you are a fever person or a local tyrant, you can have a good time.

Moreover, as ROG series products, the classic "eye of the prodigal" and RGB lights are not absent on this router, and the huge Logo is directly placed on the top of the route, which is very cool.

The above is the router recommendation for NAS users. Although there are not many routers equipped with 2.5G network ports on the market so far, I believe that with the popularity of NAS, more and more manufacturers will notice this demand and introduce more products suitable for consumers.

ZTE) AX5400Pro Dual-band Gigabit Self-developed 12-core main chip 2.5G port mesh wireless router wifi6 E-sports routing large coverage through walls.
¥439
JD.comThe monthly sales volume is 5000The favorable rate is 98%No reason to return.JD.COM delivery
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The daily income is about 3%, and some people have been cheated by nearly one million! There is an amazing scam behind the high return.

       CCTV News:Invest 100,000 yuan and earn 40,000 yuan after 15 days; If you invest 500,000 yuan, you can earn nearly 150,000 yuan in 10 days, with a daily income of about 3%. If there is such an investment project, will you be very tempted? If you want to invest in new energy projects supported by national policies, and there are top guarantee companies to ensure that the investment is stable and profitable, will you be more tempted? But be careful when you are tempted, because this is probably an elaborate scam.

       Since the second half of 2018, many people have seen a new energy investment platform called Guanghe China Travel on the Internet, saying that it is both safe and profitable. It also emphasizes that the platform specializes in investing in new energy projects such as photovoltaic power generation and wind power generation supported by national policies. It is a new profiteering industry and should not be missed.

       According to official website of Guanghe China Travel Service, the company was established in October 2017, and it has been put on record in the national and local industrial and commercial departments, with all the certificates available. Guanghe China Travel claims to be strong, with a registered capital as high as 50 million yuan, and an enterprise risk reserve fund of 80 million yuan in CITIC Bank, and risk control is provided by top institutions such as Hong Kong Jinma Investment Guarantee Co., Ltd. More than 140,000 people have invested through it, amounting to more than 1.3 billion yuan, and it has been running smoothly for more than 480 days. What is even more reassuring is that industrial and commercial registration information shows that its parent company, Guanghe Wenlv Holdings Co., Ltd., is still a new third board listed company.

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       Many people were tempted and decided to give it a try. It’s easy to invest, just install a client on your mobile phone, choose the project you want to invest in, and transfer the money to the designated account. The way of investment is also very flexible, from a short day to more than forty days. For example, this Yumenguan wind farm project can earn 4,080 yuan a day with an investment of 100,000 yuan, and the daily interest rate is as high as 4.08%, and the annualized interest rate is nearly 1,500%, while the normal annual interest rate of bank deposits is only 1.5%.

       Real money made many people believe that Guanghe China Travel is indeed a reliable investment platform, so they increased their investment. Although we know that there are risks, we are lucky and don’t believe that we will be the last person in this pass the parcel game.

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       In order to attract more investors, the platform has also formulated various incentive policies. So more and more people joined this crazy money game. On January 21, just as everyone was immersed in this investment feast, they suddenly found that the money could not be raised. The customer service said that in order to ensure that the principal and interest can be raised in time, it is necessary to pay a certain insurance filing fee.

       A victim said: "I invested more than 200,000 yuan. He said that you have to pay 50%, which means you have to pay more than 120,000 yuan. The principal can only be withdrawn when it expires."

       Another victim said: "It’s no use investing. At that time, they asked the customer service and said why they couldn’t get the filing fee? Then they have a set of rhetoric, saying that they have to pay personal income tax. "

       Two days later, everyone found that even the mobile phone client could not be opened. The trip to Guanghe China evaporated overnight, and everyone was completely stupid.

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       There are many victims like this, distributed all over the country, and the number is difficult to count. Only reporters have more than 250 people, with a total amount of tens of millions, of which dozens have invested more than 100 thousand. There are still many people who are not in the statistics. For example, a netizen told reporters through a private letter that she had invested a total of 910,000 yuan, so far she was afraid to tell her family.

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       So what kind of scam is this? What tricks did the scammers use to make so many people deceived in a short time? First, the swindler packages himself as a company — — Guanghe China Travel Industry Investment and Development (Shenzhen) Co., Ltd., whose registered address says to settle in Shenzhen Qianhai Business Secretary Co., Ltd..

       Qianhai Business Secretary Co., Ltd. is the first institution in China to provide corporate custody services. There are as many as 140,000 companies hosted here. It provides convenience for many people who want to start a business, but it has also been exploited by some lawless people. In 2017, the office reported by Guanghe China Travel Service was located in Room 701, Building A16, Buji New Village, which was found to be a false address.

       Although Guanghe China Travel reported a false address, it was not found because of loose management at that time. Later, the reporter consulted the industrial and commercial registration information of Guanghe China Travel Service and found that although the registered capital was 50 million yuan, the paid-in amount was zero. In other words, it is actually a shell company.

       It is not enough to set up a company. In order to convince investors that they are a qualified investment company, Guanghe China Travel also produced a business license for financing guarantee institutions, which stated that the issuing authority was Shenzhen Financial Office. It was later confirmed by the Financial Office of Shenzhen Municipal People’s Government that this was also false.

       In order to convince investors that they have strong anti-risk ability, Guanghe China Travel also produced a deposit slip of 80 million yuan of enterprise risk reserve fund in CITIC Bank, but actually the account number does not match the account name.

       But most people don’t go to the bank to verify, but often choose to believe. Nevertheless, some people still worry that the investment is risky, so Photosynthesis China Travel has found a so-called top guarantee institution — — Hong Kong Golden Horse Investment Guarantee Co., Ltd. also promised in the contract that the company would guarantee the investment to be foolproof. So what is its real situation? The reporter inquired at the Hong Kong Companies Registry and found that this so-called top guarantee company does not exist at all.

       In addition, in order to confuse everyone, Guanghe China Travel also published a large number of recommended articles on the Internet, claiming that it has the strength, and especially emphasizing that new energy is a sunrise industry, and if it is invested, it will have huge benefits in the future.

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       However, these recommended articles are actually advertisements paid by Guanghe China Travel Service. An editor recalled the scene when Guanghe China Travel placed an advertisement on their WeChat official account: "I received two financial advertisements in total. I saw that other big platforms were also sent, and the other party was only picked up by a three-board listed company. I didn’t expect an accident."

       The company is an empty shell, the documents are fake, and the guarantee company is fake. What about those so-called new energy investment projects? The official website of Guanghe China Travel Service says that all projects can be verified through public channels such as the media. But in fact, all investment projects are deliberately vague, and there is no necessary information such as an accurate address and the contractor, which makes it impossible to check. After much trouble, the reporter found several projects through pictures. For example, this so-called Shanxi New Energy Innovation Center is really called "Enlightenment Datong Energy Industry Innovation Center". The company made a written reply to the reporter’s interview. "At present, there is no external financing for the project, and the responsible team of the project company does not know about the Photosynthesis China Travel you mentioned, and has not contacted or cooperated with them." Although this is a scam full of loopholes, everyone still believes it. The main reason is that the investment can be immediate and the income is quite rich.

       The victim, Mr. Yang, said: "There may be worries once a month. It is a daily knot, which will dispel many concerns. I just started to invest 40,000 yuan. I invested in it on the 10 th and took 1,800 yuan on the 11 th. "

       When the real money is really available, people who question it again will not hesitate, so they have invested money in it. So where did the investor’s money go? Official website of Guanghe China Travel Service said that there was no fund pool on the platform, and the funds were entrusted to a third party for custody. However, according to the information provided by the victims, the reporter found that the funds were actually remitted to three affiliated companies, located in Zhaoqing, Dongguan and Xi ‘an. First of all, we found Zhaoqing Guying Technology Co., Ltd., whose registered address is the mezzanine of No.1 Yuelong South Road, Zhaoqing City, Guangdong Province. In fact, it is a center for primary and secondary school students.

       The staff of the hosting center said that they have been in business for ten years and have never heard of Guying Technology Co., Ltd..

       Guying Technology is also a non-existent company, so where did the money remitted to it go?

       According to the reporter’s investigation, all the money was remitted to an account with the ending number of 7778 in Zhaoqing Zhongyuan Sub-branch of Agricultural Bank of China, and the owner was Guying Technology Co., Ltd. Bank staff told reporters that this account was suspected of fraud and has been frozen.

       Then the reporter rushed to Dongguan to find another affiliated company — — Dongguan yihua advertising co., ltd. According to the registration information, it is located at No.23 Lichuan Road, Dongguan. This is another shell company that can’t be traced.

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       The third affiliated company is Xi ‘an Lianran Trading Co., Ltd., registered at No.601, Unit 3, Building 1, Chinatown Community, West Street, Lianhu District, Xi ‘an. In fact, there are no 3 units in Building 1, and the property has never heard of Xi ‘an Lianran Trading Co., Ltd..

       After investigation, the basic idea of this scam has been clarified: firstly, Guanghe China Travel Company set up a shell company, found all kinds of false certificates and guarantee companies, and also created a large number of fictitious new energy projects, and then publicized them on the Internet, making everyone take the bait through high returns, and paying the interest of the former investors with the money from the latter, thus creating the illusion of Qian Shengqian. Finally, when the platform is closed, all companies and individuals disappear.

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       According to the reporter’s investigation, the new energy investment platform of Guanghe Hualv is an out-and-out scam. The police are currently investigating this matter. Coincidentally, during the investigation, the reporter also received information from victims of many other platforms, such as Hezhong Financial Leasing, Guangxi Financial Leasing, Shangyifan New Energy, etc., all of which used almost the same fraudulent methods, and even some props were exactly the same. At present, these platforms have been closed. Remind everyone again, when faced with the temptation of high-return investment, remember to have a bright eye!

TVB commercial war drama "Corporate strongman" ended perfectly! Linking Greater Bay Area to Create a New Mode of Hong Kong Opera

Tencent Video and TVB jointly produced the commercial war drama "Enterprise Strongman", with a total of 25 episodes. At present, Tencent video members have ushered in a grand finale. Produced by Marco Law and starring artists such as Chen Hao, Tan Junyan, Zhang Xiwen, Gong Jiaxin and John Chiang, the drama focuses on the rapid development of the logistics industry in the past decade, tells the different choices of different groups in the face of market opportunities and challenges, and staged a commercial war drama in the logistics industry.

Behind the commercial war is full of human feelings, and the little people are happy and sad to show the original flavor of Hong Kong opera.

TVB drama series has always been good at shooting group scenes, and "Corporate strongman" has also inherited this feature, satisfying the intense and exciting commercial drama, and at the same time, making the main body of the story lean towards ordinary people as much as possible.

Zhao Kai, played by Chen Hao, is the boss of a logistics company, and his running water is tens of millions, but this does not affect his down-to-earth entrepreneurial road. Zhao Kai believes that "a good entrepreneur should be people-oriented", and he always keeps in mind what his father said: "The most important thing in an enterprise is people".

Xu Daoming, played by Tan Junyan, is his opponent who is also an enemy and friend, and often has differences. The core of their contradiction lies in that Xu Daoming believes that employees are vassals of the company, but Zhao Kai firmly believes that "employees can grow with the company and talents are the soul of a company." He often stands up as a boss to protect the interests of employees, guarantees that he will not lay off employees, and even gives shares to grassroots employees, all of which make this drama pay more attention to ordinary people at the bottom.

Fang Fang, played by Gong Jiaxin, was originally a small boss of a courier station. The group she represents is a small person. The daily concern is that sending a piece can earn a few cents. The biggest crisis in business may be being complained by customers. She and the vast number of couriers behind her can best resonate with ordinary people. Fang Fang lives in Haitang Town, where people are closely related to each other. Many people grew up watching Fang Fang, and the warmth and warmth between neighbors are what we used to see in Hong Kong dramas.

There are both commercial war dramas on the tall side, and we can also pay attention to the sufferings, joys and sorrows of small people in a grounded way. Multi-dimensional expression can meet the different preferences of different audiences. "Enterprise strongman" is based on realism, concerned about the changes in the world, and completely exposed the major events and minor feelings of the logistics industry from top to bottom.

The rise of female roles, business and love win-win.

In the contemporary context, women are independent personalities who can control their own destiny, and female roles are no longer "edged green leaves" in film and television dramas, but pursue that every role is flesh and blood. Even if it is a love scene, it is no longer hard to sprinkle industrial saccharin, but based on strong logic.

There are also many emotional entanglements in "Enterprise Strongman", but each pair of CP is very clear, and the concept of love is very advanced.

Song Qiao, played by Zhang Xiwen, was originally Zhao Kai’s wife. They broke up peacefully because of different life plans. There is no drama of dog blood, just because "two people have only one car and want to go to different destinations, so one of them has to get off first".

After breaking up, Song Qiao and Xu Daoming came together by chance, but they were "undefined". Although they comforted each other, they were not boyfriend and girlfriend.

This kind of emotional mode depicted in "Enterprise Strongman" is common in reality, but not common in Chinese dramas, but it is extraordinarily bold and frank.

After Zhao Kai met Fang Fang, they fell in love. One is the "overbearing president" and the other is the "courier sister". They are originally from different classes, but they never get along with each other, not like they used to be in the "hegemony literature".

Zhao Kai has recognized Fang Fang’s working ability more than once, praising her for "having enthusiasm for her work and having light in her eyes", "a few words can appease the courier" and "she will become a female entrepreneur in the future", which is enough to prove that Zhao Kai really appreciates Fang Fang, and the affection between them was established on the basis of equality from the bud.

Fang Fang has never concealed her ambition for her career. Whether in her career or in love, she has never been a "fool", but she is truly independent, discerning and decisive. Every decision made by Fang Fang is ahead of schedule, from joining the "Generation Logistics" at the beginning of the drama to persuading Zhao Kai to cancel the contract with other franchisees. For Zhao Kai’s feelings, it is also from appreciation to being able to provide assistance to Zhao Kai until they are evenly matched.

This kind of feeling is the mature love between adults, which has both lingering attachment and mutual support. This time, "Enterprise strongman" has achieved the integration of love into business, without weakening the business drama because of love drama, and at the same time, it has also achieved innovative portrayal of female roles in the new era, focusing on sincerity in all aspects.

Linkage bay area innovation model,unusual result"Industry opening themenew chapter

As a commercial war drama, Enterprise strongman broke the inherent mode of similar dramas in the past and put forward many innovations.

In the past, the story background of Hong Kong dramas was mostly in the local area, but the action track of the role of "Enterprise Strongman" was not only in Hong Kong, but also frequently traveled to and from Guangzhou, Shenzhen and Dongguan, connecting the whole Greater Bay Area with story lines, and often mentioning other provinces and cities in the Mainland. The timeline of the series is from 2010 to the present. In the past ten years, it happened to be a period of rapid development in Greater Bay Area and a golden period of rapid development in the logistics industry. Many changes have taken place in our society and even the whole world.

Zhao Kai’s business philosophy is inseparable from the social changes in reality. He knows that "every province, city and township in China is developing at a high speed." What "Generation Logistics" has to do is to "connect all places together with logistics." As an entrepreneur, his vision is far beyond those businessmen who cheat for the benefit in vanity fair. He can see that "a country must make the best use of its talents, make the best use of its materials, make the best use of its land, and smooth the flow of goods", and what he wants to do is to realize the "smooth flow of goods" for the whole country, which is the consciousness that a conscientious industrial entrepreneur with social responsibility should have.

As a new industry, logistics has not risen for a long time. Enterprise strongman is the first Hong Kong drama focusing on this industry. The drama reflects Zhao Kai’s entrepreneurial history in the past ten years by presenting the operating situation of "Generation Logistics", and also records the characteristics of the times with a lot of space.

From a macro perspective, the innovative thinking of Enterprise Strongman is of extraordinary significance to the ecology of Hong Kong drama. In addition to entertaining the public, film and television plays also have the important functions of witnessing history, reflecting social features and recording changes in social environment. When we pursue the drama, we can not only see the ups and downs of the characters in the drama, but also project our own experiences and review the changes of the times.

From this point of view, TVB has been keeping up with the pace of the times, shooting film and television dramas that are most in line with the current social environment, conveying the unique charm of Hong Kong dramas, and creating works that the audience really likes and has value. Thanks to the linkage of geographical advantages and Greater Bay Area, how can it not be a valuable attempt to combine Hong Kong dramas, which are good at efficient narration, with the mainland film and television drama industry with huge volume, to exchange and create a win-win situation?

Three Questions about "Mayday Accused of lip-synching"

Recently, a blogger sent a video questioning the lip-synching of some songs in the concert held by the men’s band in Shanghai on November 16th, May. In response to this, the brokerage company said that there was no lip-synching in Mayday’s tour. It is reported that the Law Enforcement Corps of Shanghai Cultural Tourism Bureau attaches great importance to the public opinion of the Mayday concert, and has requested the organizers to cooperate with the investigation in accordance with the Regulations on the Administration of Commercial Performances. At present, the original video and audio of the concert have been submitted to the law enforcement corps, which will be scientifically evaluated and analyzed and the survey results will be published.

Is there lip-synching in the Mayday concert? How to identify lip-synching technically? What are the legal consequences once verified? The Beijing Youth Daily reporter consulted relevant professionals to analyze and interpret the issues that netizens care about.

Bloggers post videos.

Some songs in the Mayday concert were accused of lip-synching.

On November 30th, the blogger Farmer in the Rye released a video saying that by analyzing the audio of 12 singing songs provided by netizens at the Shanghai Stadium concert on November 16th, May, it was found that five of them were lip-synching, including Cheers, Falling in Love, Missing Lover, Writing This Song for You, Don’t Listen to Slow Songs for Sad People, and some songs were actually sung before, followed by lip-synching. Once the video is released, it plays more than one million times. Subsequently, the blogger analyzed the songs of the concert in London, England on November 28th, May, and thought that some songs of the concert were lip-synched.

From November 12th to 14th, November 16th to 18th, and November 20th to 21st, 8 concerts of "I really want to see you" were held in Shanghai Stadium on May Day. The concert tickets were priced at 355 yuan, 655 yuan, 855 yuan, 1055 yuan, 1555 yuan and 1855 yuan, and the number of people attending the eight concerts exceeded 360,000. Subsequently, the series of concerts were held in London, England and Berlin, Germany, respectively. On December 7, the last concert of the series will be held in Paris, France.

On the evening of December 3rd, Mayday’s agent sent a message through the Weibo account of "Believe in Music Bin-Music", saying that the concert to be held in Paris on December 7th will be broadcast live for three hours from 3 am Beijing time on December 8th.

Question 1: Is there lip synching? Brokerage companies deny lip-synching and actively cooperate with relevant investigations.

In response to the question of lip-synching at the Mayday concert, the staff of the Law Enforcement Corps of the Shanghai Cultural Tourism Bureau said that the video of lip-synching identified by online transmission has not been verified yet, and the relevant departments will further verify it.

On the morning of December 4th, the reporter of Beiqing Daily called Mayday’s brokerage company to believe in Music International Co., Ltd. and asked the blogger "Farmer in the Wheat Field" about the lip-synching of Mayday. The staff did not respond to this. The staff said that Mayday’s overseas concert is still going on, and its team is also overseas. "Believe in Music" also has a company in Beijing. If there is any relevant news, it will be announced through official channels. At the same time, the reporter of Beiqing Daily called the Shanghai 12345 hotline as a consumer. The staff said that if you want to complain about lip-synching and refund of the concert, you need to register the concert number, place, ticket purchase channel and order number or mobile phone number of the ticket purchase, which will be forwarded to the relevant departments for follow-up treatment.

Subsequently, I believe that Music Culture Media (Beijing) Co., Ltd. issued a statement saying that there was no lip-synching in Mayday’s tour, and the comments on "lip-synching in Mayday" on the Internet were malicious attacks, rumors and slander, which seriously damaged the artist image of the company. The company is actively cooperating with relevant law enforcement departments to carry out investigations, and I believe relevant departments will give a fair result. The company said that Mayday has been adhering to the theme of "youth, dreams, friendship and love" for 24 years since its debut, and is seriously, persistently and intently committed to presenting the best music to the fans, and will continue to promote the innovation and development of Chinese music in the future. "Please believe in Mayday and music!"

According to Xinhua News Agency, the Law Enforcement Corps of Shanghai Cultural Tourism Bureau has paid attention to the public opinion that the Mayday concert was questioned and lip-synched. In November this year, Shanghai Yunhua Culture Development Co., Ltd. held eight May Day "I really want to see you" concerts in Shanghai Stadium. According to the management mechanism of large-scale commercial performances, during the performance, each performance is supervised by cultural law enforcement staff at the municipal and district levels. The Law Enforcement Corps of the Municipal Bureau of Culture and Tourism attaches great importance to this alleged "lip-synching" sensation, and has requested the organizers to cooperate with the investigation in accordance with the Regulations on the Administration of Commercial Performances. After the relevant situation is verified according to law, it will respond to the concerns of netizens in a timely manner.

According to CCTV news reports, the original video and audio of the "Mayday" concert in Shanghai have been submitted to the Law Enforcement Corps of Shanghai Culture and Tourism Bureau, and the audio and video content provided will be scientifically evaluated and analyzed, and the investigation results will be published.

Question 2: How to identify lip-synching? Identifying lip-synching videos requires certain technical means.

How to define lip-synching The staff of the Shanghai Citizen Service Hotline said that lip-synching refers to lip-synching. If you want to complain about lip-synching, you need to provide a list of specific lip-synching personnel, dates and song titles.

Lawyer Chang Sha of Beijing Kyoto Law Firm believes that "lip-synching" refers to a singer playing a pre-recorded song during a live performance, and matching it with a lip shape that is actually silent. Therefore, if you use rehearsal audio, record audio in a recording studio, and others lip-synch for you, it is all lip-synching. However, the "half-open" singing adopted by some singers during the performance is similar to the original singing in KTV, but the volume of the original singing track is low, and the audience hears a mixed effect, including both the original singing part recorded in advance and the live singing part, which can cover up some problems such as breath and intonation. The singer did sing the whole song live. From the legal point of view, it is hard to say that "half-opening the wheat" is an act of "replacing live singing with pre-recorded songs", and it is hard to be recognized as lip-synching.

Is the appraisal method of the blogger "Farmer in the Wheat Field" scientific? In this regard, the reporter of Beiqing Daily also consulted Feng Jinshuo, a teacher of Music and recording arts College of China Communication University and a member of Electronic Music Society of China Musicians Association. Teacher Feng introduced that from the video released by the "Farmer in the Rye" blogger, the blogger first separated the concert video from the lead singer by artificial intelligence, and then got the dry voice (that is, the voice of the singer singing) after separation, and then put it in the software for pitch analysis for comparison. On the premise that the video of the concert used and the appraisal process are not fraudulent, the technical means used are reasonable.

Teacher Feng believes that it is not reliable to judge whether singing is true or false only by watching videos and listening to sound effects without technical means. In many cases, it is impossible to directly distinguish whether it is lip-synching. "Live singing will have many effects, such as reverberation effect. Some singers pull the wheat when singing, but the effect of the audience’s sound has not changed. This situation may also be related to the effect device. The songs that netizens think are "real singing" and have poor effects may be recorded in the recording studio in advance, and some defects are reserved when the songs are processed, and the sound is not so accurate when being repaired, so as to obtain a more realistic "live feeling". So we can’t directly judge whether it is true or false by watching a video. "

Question 3: What are the legal consequences of lip-synching? If you lip-synch, you may face administrative punishment and compensation for breach of contract.

If lip-synching is verified, what legal responsibilities should Mayday, its brokerage company and concert organizers bear? In this regard, Yue Shenshan, a lawyer from Beijing Yuecheng Law Firm, and Changsha, a lawyer from Beijing Kyoto Law Firm, both believe that if lip-synching is verified, performers, brokerage companies and concert organizers should bear administrative and civil responsibilities, that is, they will face administrative punishment from the management department and compensation for breach of contract to consumers.

Lawyer Chang Sha said that first of all, in terms of administrative responsibility, according to the punishment provisions of the Regulations on the Administration of Commercial Performances, the performance organizer may have its commercial performance license revoked, and the individual actor may have its business license revoked. At the same time, concert organizers and actors may also face a fine of more than 50 thousand yuan and less than 100 thousand yuan. Secondly, in terms of civil liability, concert organizers should compensate consumers for their losses, and the compensation already paid can be recovered from performers and brokerage companies.

If consumers spend money to buy concert tickets but encounter lip-synching, how to protect their rights? Lawyer Chang Sha said that lip-synching may be suspected of fraud if it is identified as false propaganda or commercial fraud, and consumers’ right to know has also been violated. Consumers can first negotiate with the organizers to solve the problem. If they can’t solve it, they can report it to the regulatory authorities through administrative channels. After the facts of lip-synching are confirmed by the relevant departments, consumers can sue for rights protection.

Text/reporter Dai Youqing Intern Tan Danyu Miao Yuning

The central bank announced a "rate cut", how much can the mortgage be saved?

After the Spring Festival holiday, China ushered in the first "interest rate cut" in 2024. On February 20th, the People’s Bank of China authorized the National Interbank Funding Center to announce that the one-year LPR was 3.45%, which remained unchanged. The LPR over five years was 3.95%, 25 basis points lower than the previous value. Among them, the decline of LPR over five years exceeded previous market expectations.
How much mortgage can this "interest rate cut" save? Why does LPR show asymmetric adjustment? What signal is released by the sharp decline of LPR over 5 years? Let’s watch this quick question and answer ↓
Q:How much mortgage can this "interest rate cut" save?
A:The LPR with a term of more than five years is the main reference benchmark for the pricing of medium and long-term corporate loans and personal housing loans. The lower limit of the national mortgage interest rate policy will be adjusted to 3.75% with the LPR, the interest rate of new mortgage loans will be reduced, and the interest rate of existing mortgage loans will be adjusted accordingly on the repricing date, which can save the interest expenses of mortgage borrowers.
Assuming that the loan balance of the first suite is 1 million yuan, the matching principal and interest mortgage and the 30-year loan term are taken as examples, the monthly payment is reduced by about 145 yuan, and the total principal and interest for 30 years are reduced by about 52,000 yuan.Ma Hong, a senior researcher at Guangkai Chief Industrial Research Institute, said.
Q:Why does LPR show asymmetric adjustment?
A:Market participants generally believe that the asymmetric adjustment of LPR with different maturities will continue to promote the steady decline of social comprehensive financing costs.
LPR is the benchmark of bank loan pricing, and the interest rate stipulated in the loan contract generally adopts LPR plus point form. Compared with the change of policy interest rate, the change of LPR is directly related to the loan interest rate of enterprises and residents. This one-year LPR is flat and unchanged, which is in line with the unadjusted interest rate of the previous one-year MLF;As a reference for the pricing of medium and long-term corporate loans and personal housing loans, the LPR with a term of more than five years has dropped by 25 basis points, which fully reflects the determination of the central bank to promote investment and expand domestic demand.
"This LPR quotation reflects that monetary policy is based on me and takes into account internal and external balance." Dong Ximiao, chief researcher of Zhaolian, said that the Fed is likely to enter the interest rate cut cycle this year. However, considering the resilience of the US economy and inflation, and learning from the lessons of inflation rebound after the rapid interest rate cut in the 1970s, the Fed’s interest rate cut may be relatively stable, and the US policy interest rate will still be higher than that of China. It is difficult to reverse the upside-down spread between China and the United States in the short term. In this case, the one-year LPR remains unchanged, and the LPR decreases over five years, which not only maintains reasonable support for the real economy, but also gives consideration to internal and external balance, and improves the resilience to external shocks and the independent space of policies.
Q:What signal is released by the sharp decline of LPR over 5 years?
A:Considering the large decline of LPR over five years, the actual downward trend of LPR is larger overall, and the financial support for the real economy is further enhanced.
The decline of LPR in the medium and long term exceeded expectations, which effectively played a role in stabilizing investment and promoting consumption. Considering that long-term loans for enterprises and personal housing loans are the main reference for LPR pricing over five years,This will help enterprises to expand investment and the stable and healthy development of the real estate market.At the same time, with the adjustment of the interest rate of existing mortgage loans and the reduction of residents’ interest expenses,It is also conducive to the further recovery of residents’ consumption.
Wen Bin, chief economist of China Minsheng Bank, believes that the downward trend of LPR will effectively support the continued recovery of the economy. At present, the interest rate level is at a historical low: the interest rate of 10-year treasury bonds has dropped to about 2.5%, and the weighted average interest rate of new corporate loans in 2023 is 3.88%, down 0.29 percentage points year-on-year, the lowest since statistics, and the interest rate of individual housing loans has dropped 0.75 percentage points year-on-year. At present, the actual loan interest rate of enterprises is about 4%, which is generally appropriate. It is widely expected that inflation will rebound moderately this year, and there is still room for real interest rates to fall. In the current situation of insufficient effective demand and weak expectations, maintaining a low interest rate level will help to continuously support the recovery of the national economy, and there is still room for monetary policy to cope with various shocks and challenges in the future.
(Reporter/Ma Chunyang Planning/Wan Zheng Lang Bing)
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