Tour guides are accused of forcing tourists to spend money, Harbin Cultural Tourism Bureau: under investigation.

  Zumu journalist Cao Xuejiao

  A few days ago, some netizens sent a video complaint that they were forced by the tour guide to get off the bus for shopping during the group tour in Harbin, Heilongjiang. On December 7th, the staff of Harbin Cultural and Tourism Bureau introduced to Jimu journalists that staff had gone to investigate and verify.

  According to media reports, a few days ago, some netizens sent a video saying that they were forced to get off the bus for shopping by the tour guide during the group tour in Harbin, and they were not allowed to get on the bus without spending. The video also shows that the netizen paid more than 4,000 yuan to Harbin Hongda International Travel Service Co., Ltd..

  On the 7th, Jimu journalist contacted the travel agency, and a staff member said that he didn’t know about it, and said that the travel agency would not force tourists to spend money.

  A staff member of Harbin Municipal Bureau of Culture, Radio, Film and Tourism said that he had noticed the relevant contents on the Internet, and the brigade in the jurisdiction had also gone to investigate, and the details were still being verified.

  Jimu journalist noticed that on December 4th, according to the statistics of the complaints of the "12345 government service convenience hotline" travel agencies, Harbin Tourism Association published the "Top Ten List of Complaints from Travel Agencies in Harbin" (from November 8th to December 1st, 2023), and Harbin Hongda International Travel Service Co., Ltd. mentioned in the above video was among them, ranking fourth.

The new Lexus RX is coming soon, with three power options

  The new Lexus RX is expected to be officially launched in January. The new car will be launched in three power versions: RX350h (2.5L HEV), 450h + (2.5L PHEV), and 500h (2.4T HEV).

  The biggest change in the appearance of the new Lexus RX is that the spindle-shaped midnet is replaced by a new design. The RX350h and RX450h + will launch nine different body color schemes, including supersonic quartz white, supersonic titanium silver, burgundy mica, ultimate black, daiqua, sapphire blue and six standard car paints, as well as supersonic iridium silver, supersonic streamer metallic and supersonic twilight copper. The RX500h is available in supersonic iridium silver, supersonic streamer metallic, supersonic twilight copper, and ultimate black (the first three are optional), and will also bring two F SPORT exclusive colors – crystal bright white and blue flame.

The new Lexus RX is coming soon, with three power options _fororder_image001

The new Lexus RX is coming soon, with three power options _fororder_image002

  The new Lexus RX interior design features a layered + encircling cockpit. The central control area is tilted towards the main driver’s side, equipped with LCD meters + central touch screen, integrated functions such as network connection, air conditioning, mobile phone interconnection and OTA, and provides a variety of ambient light colors and four interior texture materials. The RX350h and RX450h + will launch four color schemes: black, autumn maroon, white and sandalwood brown. In addition, the new car will also bring a newly developed bamboo trim and a dark night meteor trim. The RX500h model will offer two interior color schemes: dark rose red and black, and offer F SPORT exclusive trim – black edge aluminum trim.

The new Lexus RX is coming soon, with three power options _fororder_image003

The new Lexus RX is coming soon, with three power options _fororder_image004

  Compared with the current RX300, the RX350h has been upgraded to a 2.5L hybrid system. The entry-level elite version has become the enjoyment version, and the configuration includes LSS + 3.0, a new multimedia system, an electronic shift lever, an electric tailgate, a 19-inch wheel hub, a 9.8-inch central control screen + a 7-inch meter, etc. The comfort version adds a panoramic sunroof, leather seats, front seat ventilation and heating, main driver memory, a 14-inch central control screen, etc. The alcohol enjoyment version adds a four-wheel drive system, as well as matrix LED headlights, etc. The top smart enjoyment version mainly adds auxiliary driving functions, including smart parking, lane change assistance, and parallel blind spot monitoring.

  The RX450h + Enjoy Edition is equipped with a full-color head-up display HUD, streaming rearview mirror, high beam adaptive control AHS, 1500W discharge socket, and LEXUS intelligent charging pile on the basis of the RX350h Alcohol Enjoy Edition model, and will provide two optional packages: technology package and enjoy package. The RX500h model will be equipped with DIRECT4 electronic dynamic four-wheel drive system, F SPORT Performance sports kit, black wheels, full-color head-up display HUD, adaptive adjustable suspension system AVS, dynamic rear wheel steering DRS, 6-piston brake calipers, and rear manual sunshade on the basis of the RX350h Alcohol Enjoy Edition model.

The new Lexus RX is coming soon, with three power options _fororder_image005

  The RX350h is equipped with a 2.5L hybrid system, with a maximum power of 184kW. The zero-hundred acceleration time of the two-wheel drive version is 8.1 seconds, and the four-wheel drive version is 7.9 seconds. The RX450h + is equipped with a 2.5L plug-in hybrid system, with a comprehensive system power of 227kW, a zero-hundred acceleration time of 6.5 seconds, and a CLTC pure electric cruising range of 83km. The RX500h is equipped with a 2.4T hybrid system, and the comprehensive system power reaches 273kW. (Lexus, for pictures)

"Moon cake economy", a sweet business opportunity, goes to the streets: which moon cake with stuffing is the "C-position" in this Mid-Autumn Festival?

Beijing, September 16 (Reporter Xu Xin, Wang Zijin) According to World Finance, the economic voice of China Central Radio and Television General Station, today is the second day of Mid-Autumn Festival holiday, so we must talk about "moon cakes" after dinner. So, who is the "top stream" of this year’s moon cakes? What are the new changes and trends in this year’s moon cake market with the implementation of the latest revised General Rules for the Quality of Moon Cakes? What kind of moon cakes will you buy for Mid-Autumn Festival this year? With such a question, the reporter interviewed several consumers randomly on the street.

"Five kernels, sesame seeds."

"Shuanghuang will definitely buy it, and then it will be bought like the traditional five-kernel stuffing."

"Five kernels, egg yolk, and old-fashioned moon cakes."

"I bought a few pieces of double yellow, five kernels that we usually like to eat, and a few pieces of jujube paste."

"I like to eat egg yolk, and there are five kernels."

Judging from the results of the interview, the traditional five-kernel-flavored moon cakes are still very popular. According to the data of an e-commerce platform, five-kernel moon cakes have been bought on the "best-seller list". While the traditional taste is firmly in the "C position", the pursuit of novel taste by young consumers has also brought some characteristic moon cakes into public view: durian ice-covered moon cakes and chocolate moon cakes have gradually become "flow items" of some social platforms.

△ Bulk moon cakes placed in the supermarket (photo by Wang Zijin)

According to the report "Market Trend of China Mooncake Industry in 2024" released by China Bakery and Sugar Products Industry Association in August this year, the development of new products market mainly starts with cake skins and fillings, and new product types such as "two-color moon cakes", "three-color moon cakes", "low GI (glycemic index) moon cakes" and "Beijing-style low-sugar suede cheese and yellow peach-flavored moon cakes" have emerged one after another.

Zhang Jiukui, chairman of China Baked Food and Sugar Products Industry Association, said: "With the popularization of healthy eating concept and the maturity of consumption concept, tastes are gradually diversified, which requires manufacturers to constantly innovate in moon cake varieties, techniques and market demand, and bring more personalized products to consumers."

On April 1st this year, the latest revised GB/T 19855-2023 General Rules for the Quality of Moon Cakes came into effect, and the new standards further refined the filling, naming and product identification of moon cakes. What impact will this have on the production and consumption of moon cakes?

"This revision should be said to be timely and reasonable, conducive to standardizing and guiding the production and sales of moon cake products, and also in line with the development status of the industry and social expectations. The standard clearly stipulates the requirements of the amount of relevant raw materials added in the moon cake stuffing, and also stipulates that the moon cake stuffing should not use wild protected animal ingredients such as shark’s fin, and it is not suitable to use rare and precious ingredients such as bird’s nest. Mooncake manufacturers will adjust their production and sales strategies according to the standard requirements to further promote the benign and high-quality development of the industry. Both production and consumption should pay more attention to the inherent quality of moon cakes such as nutrition, health, flavor and fashion. " Zhang Jiukui said.

△ Counter salesmen introduce all kinds of moon cakes to customers (photo by Wang Zijin)

In addition, with the promulgation and implementation of the national standard (GB 23350-2021) on curbing the sky-high price of moon cakes and promoting the healthy development of the industry, moon cakes have gradually returned to the attribute of "popular food", and the moon cake industry is also developing in a more standardized and healthy direction. After visiting moon cake factories and large supermarkets, the reporter found that there was a "simple wind" in this year’s moon cake market: while the packaging was slim and the weight was reduced, the price was more close to the people. The Report of China Baked Sugar Association predicts that in 2024, the output of moon cakes in Mid-Autumn Festival will be nearly 300,000 tons, and the sales will be about 20 billion yuan. The price of gift boxes is mainly concentrated between 70 yuan and 220 yuan, and the gift boxes of moon cakes above 500 yuan have basically withdrawn from the regular market.

Zhang Jiukui said: "On the whole, in the future Mid-Autumn Moon Cake market, under the premise of ensuring product quality and safety, products with nutrition, health, delicious fashion, simple packaging and environmental protection will be the mainstream products, with richer categories, more people-friendly prices and more diverse tastes."

Yu Lan, President of China News Network: Deeply cultivate three major fields and build a new pattern of mainstream public opinion linking internal and external propaganda.

  On the afternoon of April 22nd, the 2023 China Online Media Forum "All Media Communication Shaping the New Pattern of Mainstream Public Opinion" was successfully held in Nanjing, Jiangsu Province, under the guidance of the Network Communication Bureau of the Central Network Information Office, sponsored by CCTV, the general radio and television station, and hosted by Tik Tok. The guests at the meeting revolved around "keeping integrity and innovation, enhancing the guidance of public opinion ‘ Four forces ’ " Themes such as "integration and intercommunication, building an all-media communication system" and "positive youth and positive energy" will explore ways to promote the in-depth development of media integration, further build mainstream public opinion positions, strengthen mainstream value guidance, and shape a new pattern of mainstream public opinion. Yu Lan, Deputy Editor-in-Chief of China News Service and President of China News Network, delivered a keynote speech at the forum, "Deepening the Three Fields and Building a New Pattern of Mainstream Public Opinion in Internal and External Publicity Linkage".

Yu Lan, President of China News Network, delivered a keynote speech at the forum.

Yu Lan, deputy editor-in-chief of China News Agency and president of China News Network, delivered a keynote speech at the forum.

  Report to the 20th CPC National Congress of the Communist Party of China put forward "strengthening the construction of all-media communication system and shaping a new pattern of mainstream public opinion", which put forward new requirements for mainstream media to accelerate media integration and expand mainstream public opinion. Yu Lan said that with the rapid development of media technology and fierce international public opinion struggle, the boundaries between communicators and audiences, internal publicity and external publicity are becoming increasingly blurred. At the same time, under the "anti-China paranoia", the public opinion offensive of infiltration and differentiation between the United States and the West has intensified, and the Internet has become the main position and the forefront of exchanges and confrontation.

  Yu Lan introduced that, as a central key news website featuring external publicity, in recent years, China News Network has made great efforts to open up online and offline, internal publicity and external publicity resources and channels through network construction, so as to improve its communication efficiency.

  The first is to leverage the characteristic groups to aggregate the domestic civil public opinion field. Under the all-media environment, the main body of communication is showing the characteristics of differentiation, popularization and personalization. How to gather public opinion and tell the story of China well? Yu Lan introduced that in recent years, China News Network, combining its own resources, focused on tapping the communication potential among non-party people, the new class, Generation Z, Hong Kong, Macao and Taiwan and other characteristic groups.

  In 2022, on the eve of the 20th National Congress of the Communist Party of China, China News Network planned to launch a series of feature films entitled "Rejuvenation of Non-Party People’s Words". The column focuses on 35 representatives from various fields, starting from "Our Ten Years", telling what they witnessed in China’s new era and Chinese modernization, from the experience of "I" to the change of "we" and then to the change of "times" in the first person, step by step, evoking collective memory and emotional resonance. Their stories outline the image of China in the new era, show the cohesion and centripetal force of China society, and enhance the overseas visibility of three-dimensional China.

  The second is to unite the "overseas China" public opinion field with the help of overseas Chinese. Yu Lan said that overseas Chinese, Chinese media and other "overseas China" groups are a natural bridge for China to communicate with the world. China News Agency and China News Network always regard this group as an important starting point for amplifying the voice of China and shaping mainstream public opinion.

  Last year, on the eve of the Beijing Winter Olympics, western public opinion wantonly created a public opinion momentum to boycott the Beijing Winter Olympics. On the eve of the opening of the Winter Olympics, China News Network planned to launch the "24 Hours of Winter Olympics" global live broadcast, with overseas Chinese all over the world as the fulcrum, and fully mobilized overseas network resources to participate in the live broadcast interaction. At the same time, more than 100 Chinese media in more than 40 countries and regions around the world were linked to broadcast live on TV, website and new media account matrix. Thousands of accounts around the world participated in the live broadcast, and the reading volume of the whole platform exceeded 800 million in 24 hours.

  The third is to leverage the key minority and skillfully enter the international mainstream public opinion field. "Communication, in the final analysis, is doing ‘ People ’ Work hard for ‘ Human heart ’ Whether the work can reach the hearts of the people and win the hearts of the people is the key to success. " Yu Lan introduced that since October 2021, Zhongxin.com has launched "East-West Question • China-foreign dialogue "column, around the hot topics, invited Chinese and foreign celebrities to have a dialogue, and retranslated China’s ideas by overseas famous mouths.

  Yu Lan said that this column insisted on promoting cultural exchanges between China and foreign countries. On major issues, it invited international opinion leaders in related fields to talk and exchange in time to enhance communication and understanding. After participating in the dialogue, many foreign guests took the initiative to convey China’s voice on overseas social platforms and explain the real China. The mainstream western media also frequently quoted and reprinted relevant reports.

  Yu Lan said that under the current international public opinion pattern, the more external forces create barriers, the more we should give full play to the role of the Internet, improve communication efficiency as much as possible, and expand mainstream public opinion. At the same time, we must also recognize that the Internet is a double-edged sword. Even if "everyone has a microphone" under the algorithmic blockade and the digital divide, it will not necessarily bring true discourse equality and inclusive understanding. "We must unite all forces that can be United and mobilize all positive factors that can be mobilized. In the process of adapting to changes and seeking changes, we must strengthen the construction of an all-media communication system and shape a new pattern of mainstream public opinion."

From a Y1s Roman column, we can see the product aesthetics iteration of usmile.

At a time when consumption is escalating,Cultural art consumptionGradually become a new economic growth point and support point, at the same time,It also marked a new track for the brand to circle.

Recently,Usmile cooperated with the British Library in a cross-border cooperation, with art and culture coming into life as the core, and launched the Y1s Roman column electric toothbrush gift box.Once again, it successfully caught the attention of consumers and the market.

As the core product of this joint gift box-US Mile Y1s Roman column electric toothbrush has long been a young consumer in China.An "entry-level" oral care item with one hand. Since its birth, Y1s Roman column has been loved by consumers and won numerous awards because of its high value and hard-core technology. At the same time,It has also gone through numerous product iterations, which witnessed usmile’s ultimate pursuit of products..

China’s first electric toothbrush after 90.

In the early days of the birth of Y1s Roman column, the domestic electric toothbrush industry still continued the product design style of Europe and America, and most of the products on the market were blue-greenMedical industry wind.

However, as the main consumer army, Generation Z is not satisfied with this. For them, when choosing a product, function and price are the most basic elements, and they begin to pay attention.Behind the productInspiration story, cultureaestheticscomposeWhether it matches the life you are pursuing.

As a result, usmile boldly issued the first challenge to the traditional electric toothbrush industry-getting color inspiration from the color of popular food macaroon, and choosing Y1s Roman column.Macaroon color system is the main color, and at the same time, the design of the handle adopts the classical and elegant Roman column appearance more than 2,000 years ago.It broke the inherent impression of consumers on the design of electric toothbrush products for a time.

Usmile makes users feel that the electric toothbrush can not only be used as a technology product to help the oral cavity achieve the ultimate cleanliness, but also achieve the artistic corner of the home, bring beautiful feelings to daily life, and make people feel happy and comfortable during use.

In a sense, it is better to say that usmile is a consumer brand.The firstopencreatewatch from a height or distanceBrand of oral culture, aesthetics and economy.

It is this kind of product design that dares to break the traditional definition and subvert the industry cognition that attracts a lot of attention from the post-90s generation. At one time, almost all young consumers aged 18-24 have one hand. At this point, the macaroon color system and Roman column handles have also becomeUsmile super large single item Y1s Roman column uniqueDNAsymbol.This "aesthetic experiment" successfully launched a rapid change in the market of product homogeneity, making domestic brands imitate American and European brands to compete to imitate usmile..

But,This is only the beginning of usmile’s economic exploration of oral culture aesthetics.

02 Fashion macaroon to Temperament Mo Landi

Last year, on the occasion of the 150th birthday of the Metropolitan Museum of Art,Usmile joins hands with the Metropolitan Museum of Art, launched the co-branded Y1s Roman column electric toothbrush gift box, which once again refreshed users’ awareness of this super-large item.

The gift box is selected in the outer packaging design.Four Classic Paintings by Master Van GoghseparatelyMatch product color, Iris, Nerium oleander, Wheat Field and Cypress and Rose, which were originally hung in the precious collections of the distant Metropolitan Museum of Art, entered the daily life of consumers through a cross-border joint brand name.Every consumer can really appreciate, touch and feel the charm of classic art..

It is worth mentioning that the Van Gogh green extracted from the work "Rose" is a brand-new color created by usmile for consumers this time, and it also symbolizes.The Transformation of Y1s Roman Column from macaroon Color System to Mo Landi Color System.

In 2019, when Van Gogh Green Y1s Roman Column was born, Pantone, an authority in the color field, announced that "Pepper Stem Green" and "Moss Green" were popular colors in spring and summer, and the industrial design team of usmile also had an insight into this color trend and quickly started the research and development iteration of Mo Landi new color system for products.

Unsurprisingly, after the usmile Van Gogh Green Y1s Roman Column was put on the market, it quickly attracted the attention of young consumers.Sales even surpassed the pink macaroon model.For a time, it became the first choice for young people in China. During the same period, major brands, such as fashion industry and household daily chemical industry, which are sensitive to smell, also quickly launched green items, and seized the color economy brought by this wave of "green hurricane", which also benefited consumers.

Soon after, on the basis of continuing the joint signature of master art, usmile brought two other advanced colors to consumers, from the masterpiece of abstract geometry- Red and blue extracted from mondriaan’s Red, Yellow and Blue.This time, the Mo Landi-colored Greek blue sonic electric toothbrush captured the hearts of a large number of young art lovers as soon as it was put on the market, which once again continued the vitality, vitality and competitiveness of this super single product.

This is an era of consumer goods explosion, with thousands of products appearing every day. In the dazzling options, how can we stir the hearts of consumers?

We might as well boldly imagine whether usmile’s application of color systems in macaroon and Mo Landi can becomeCopy and paste samples from other track brands?If these colors are applied to your own products and matched with different shapes, can you quickly create another fashion item on the track?

I think the answer must be no. Only when the brand makes it clear from the very beginning that the product needs to be closer to the real life scene of consumers, realizes the value of consumers based on keen insight, and establishes close emotional connection with consumers with active empathy, can it have a chance to win the favor of users, while the use of color only completes the communication of the basic appearance of products.usmileNot limited to productsProfessional efficacy,The exploration of cultural aesthetics economy,And insight into empathy with consumers,Perhaps it is one of the reasons why it was chosen among thousands of brands.

Verification of Cultural Aesthetics Economy with Joint Names

Along the way, the product aesthetics pursued by usmile is not just good-looking in visual appearance.Giving "beauty" a deeper cultural value is something it continues to dig deep into.. Recently, usmile officially announced another cross-border joint name, this time with a history of hundreds of years.British Library.

It is understood that this is the British Library.The first cultural cooperation with a consumer brand in China.. asOne of the largest academic libraries in the world.The British Library has a history of nearly 270 years and plays an important role in the cultural circle. This "treasure house" has 150 million collections from all over the world, some of which can be traced back to thousands of years ago, and some belong to the digital age, covering hundreds of languages and witnessing the evolution of human civilization for thousands of years.

In this joint venture, usmile selected four works from many collections and integrated them into the design of the gift box.From fairy tales to scientific history to rare murals, each gift box corresponds to different works and meanings.

On the cover of the gift box, four paintings under the arched building set off neat Roman column lines, and the exquisite bronzing and three-dimensional design made the product have a tactile experience.Book-inspired packaging designImpliesThe ingenious idea of the brandUsers can really experience the action of opening books when opening the gift box. As can be seen from this detail, usmile not only injects aesthetic value into the product, but also endows the product with deeper cultural connotation, which brings richer experience and imagination to users, and also transforms an electric toothbrush gift box into a social currency with gift mind, and its value far exceeds the product itself.

During the official notice period, the gift box has not been put on the shelves, and the backstage of usmile has received numerous inquiries from users. It can be said that this is not only the success of this joint name, but alsorightoral cavityA Successful Verification of Cultural Aesthetics Economy.

04 Hard-core product strength that has never fallen behind

While pursuing the ultimate cultural aesthetics of products, usmileThe control of product technology and quality has never been relaxed.. From the first generation of Y1s Roman columns to the present, usmile has beenCleanliness, endurance and safetyThe product has been iteratively upgraded for no less than ten times. In each iteration, usmile will invite users to participate in the trial of the product, and follow theOptimize and adjust the products according to the feedback data of each user.Finally, it will enter the production process.

For example, in order to enhance the grip comfort of consumers when using electric toothbrushes, the diameter of the handle of the usmile Y1s Roman column is changed from the original one.30.7mm reduced to 27mm; At the same time, the product waterproof upgrade toIPX 7 waterproofTo better help extend the service life of products. In addition,The rounding rate of bristles is also increased from 80% to 90%.Effectively prevent tooth damage and gum bleeding, and care for the mouth more gently.

Now consumers get the performance of many products of usmile Y1s Roman column.Have far exceeded the industry average, ranking first,Use technology to inject hard power into products beyond aesthetics, and truly bring consumers an extremely clean oral care experience.

On the basis of good products and services,Brand’s pursuit of aesthetics is the embodiment of progress.Whether it’s the first macaroon electric toothbrush that broke the imagination of the industry, or it’s co-branded with the Metropolitan Museum of Art and the British Library, usmile is remembered for its keen insight, rapid innovation to meet the most real needs of consumers, and the breakthrough of beauty beyond its powerful product functions.

What should the current hot oral care track do, what is the brand space, and what height can it go? Through the exploration of usmile’s cultural aesthetics and economy, this has become a more open issue, which makes us full of expectations.

Reporting/feedback

Pay attention to the situation on the Korean Peninsula

On July 17, local time, the South Korean government issued a proposal to North Korea to hold military talks on July 21 at the "Unification Pavilion" on the DPRK side of Panmunjom, which borders the DPRK and the ROK. This is the first time that the new government of Moon Jae in, South Korea, has sent a proposal to the DPRK to hold an intergovernmental dialogue. It is reported that if the talks take place, the two sides may discuss North-South hostile acts such as interrupting public address broadcasting in border areas and releasing propaganda balloons.

The Captain box office counter-attack broke 1.9 billion! The prototype documentary is hotly debated.

1905 movie network news On October 7th, the film officially broke through the 1.9 billion box office mark, and at the same time, the film surpassed My People,My Country to become the real-time one-day box office champion. The film is the third work of "pride of chinese Trilogy". The story is based on the successful handling of special events by the crew of Sichuan Airlines Flight 3U8633 on May 14th, 2018, directed by Liu Weiqiang and starring Zhang Hanyu, Oho Ou, Du Jiang, Yolanda, Crystal and Li Qin.


Since its release, The Captain has been making miracles continuously, with the number of film-arranging sessions being the first, the attendance rate being the first for five consecutive days since October 2, and the single-day box office also breaking 200 million for seven consecutive days, and winning the single-day box office championship on October 5 and 6. At present, the film has surpassed and jumped to the sixth place in the box office of Chinese movies in 2019.

The related topic of the film # Captain China’s Prototype Documentary # has also been listed on the hot search list recently, and netizens have said that it is even more thrilling to watch the documentary after watching the film. The captain is really amazing! However, from the documentary, there are still many differences between movies and real events.

For example, on the day of the incident, the prototype captain Liu Chuanjian did not leave home like Liu Changjian played by Zhang Hanyu, nor did he promise his daughter to come back for her birthday, but stayed in the company the night before.At that time, the biggest accident was that the broken windshield caused the pressure imbalance in the cockpit, and the violent gale and high-altitude low temperature caused various instrument failures in the cabin. In order to enhance the dramatic and tense atmosphere, the film also let the plane cross the lightning clouds, which aggravated the danger of this incident. Liu Chuanjian revealed in the documentary that the weather was actually very good that day.


On the whole, the film still followed many real situations at that time, such as Liu Changjian touching the windshield with his hand and other detailed actions.It can be said that The Captain basically did it.It’s an important reason why this film can counterattack all the way in the National Day file.

A new wave of "interest rate cuts" was launched, this time by city rural commercial banks and rural banks, with a reduction rate as high as 65 basis points.

China Business Daily (Reporter Wang Tongxu)A new wave of "interest rate cuts" by commercial banks started, and this time, city rural commercial banks and village banks "carried the banner".
Recently, a number of small and medium-sized banks intensively announced the adjustment of deposit listing interest rates, lowering the listing interest rates of 1-year, 3-year and 5-year deposits. Among them, the adjustment of medium and long-term time deposits is relatively large, and the listing interest rate of 5-year deposits is lowered by 65 basis points at the highest.
"This adjustment is mainly a follow-up to the interest rate adjustment actions of state-owned banks at the end of last year, and it also reflects the pressure faced by small and medium-sized banks and the low net interest margin of the banking industry. Lowering the deposit interest rate will help ease the pressure on banks’ interest margin, and also stabilize the net interest margin to enhance the sustainability of supporting the real economy. " Bai Wenxi, chief economist of IPG China, told China Business Daily.
At the rural inclusive finance comprehensive service point of Guilin Bank in Shangzheng Village, Tanluo Town, Xixiangtang District, Nanning, the bank staff are activating the social security card for farmers. (Image courtesy of CNSPHOTO)
The downward adjustment is as high as 65 basis points.
According to the reporter’s incomplete statistics, up to now, 10 small and medium-sized banks, including Guilin Bank, Yushu Rural Commercial Bank, Lingui Rural Commercial Bank, Huadian Rural Commercial Bank, Guangxi Fengshan Rural Commercial Bank, Jiaohe Rural Commercial Bank, Lingchuan Shentong Village Bank, Fusui Shentong Village Bank, Qinnan National Village Bank of Qinzhou City and Nanning Xingning Changjiang Village Bank, have lowered their deposit listing interest rates, and the adjustment time is generally from February 21, 2024.
Generally speaking, the adjustment mainly involves demand deposits, time deposits, certificates of deposit and other deposit products, and the adjustment of medium and long-term time deposits is even greater.
Among them, two rural banks, Lingchuan Shentong Village Bank and Fusui Shentong Village Bank, made the same adjustment to the listing interest rate of lump-sum deposits, and the five-year interest rate was adjusted from 3.85% to 3.2%, with a downward adjustment of 65 basis points; The 2-year interest rate was adjusted from 2.75% to 2.55%, down by 20 basis points; The one-year interest rate remains unchanged at 2.15%.
Guilin Bank also adjusted the 5-year deposit rate to 3.2%. It is worth noting that this is the second time that the bank lowered the listing interest rate of deposit products during the year. On January 21st, the bank adjusted the five-year deposit interest rate from 3.9% to 3.35%. Together with this adjustment, the five-year deposit interest rate of the bank has dropped by 70 basis points since the beginning of the year.
For the reasons for this adjustment, a number of banks said in the announcement that it is to further promote the marketization of interest rates.
On the whole, the adjusted 3-year and 5-year time deposit rates of these small and medium-sized banks are still mostly above 3%, which is higher than that of state-owned banks.
"Lowering the deposit interest rate is to stabilize growth and adjust the structure." Yu Xi, co-founder of Communication Planet App, told reporters that in the current economic situation, lowering the deposit interest rate will help reduce the financing cost of the real economy, promote investment and consumption, and thus stimulate economic growth. At the same time, this is also part of the central bank’s prudent monetary policy, which supports the development of the real economy by adjusting the interest rate transmission mechanism, optimizing the allocation of resources.
Respond to the pressure of narrowing the net interest margin
On the evening of February 21st, the Table of Main Supervision Indicators of Commercial Banks in 2023 (Quarterly) issued by the State Financial Supervision Administration showed that by the end of 2023, the net interest margin of important indicators of commercial banks had fallen to 1.69%, which was below the 1.7% mark for the first time.
On February 22nd, CICC released a research report saying that the narrowing of net interest margin of commercial banks in 2023 was mainly due to the adjustment of existing mortgage interest rate, repricing of loans and the downward trend of new loan interest rate.
The "unprecedented" reduction of LPR by 25 basis points over five years will put the banking industry under pressure to further tighten the net interest margin.
Lou Feipeng, a researcher at China Postal Savings Bank, believes that this round of reduction of deposit interest rates by small and medium-sized banks will help reduce debt costs, hedge the pressure of further narrowing the net interest margin caused by the reduction of LPR for more than five years, and enhance the sustainability of banks’ support for the real economy.
However, it is worth noting that in the context of the general decline in bank deposit interest rates, some banks have raised deposit interest rates against the trend.
Recently, many banks, including Xinxiang Rural Commercial Bank, Suining Rural Commercial Bank and Huojia Rural Commercial Bank, announced that they would raise the deposit interest rate.
As for the reason for raising the deposit interest rate, Xinxiang Rural Commercial Bank said in the announcement that it is a means to give back to customers at a "good start".
Wu Zewei, a researcher at Xingtu Financial Research Institute, said in an interview that small and medium-sized banks are in a weak position in saving money, and the debt side is under pressure. In addition, in order to sprint, the deposit interest rate is raised to attract depositors’ deposits.
Zhang Xuefeng, a financial commentator, told reporters that the impact of bank interest rate cuts on the economy and financial system needs to be carefully evaluated. The interest rate cut may stimulate the demand for loans, but it will also pose a challenge to the profitability and stability of banks. Especially for small and medium-sized banks, interest rate cuts may further squeeze their profit margins and increase risks. Therefore, the regulatory authorities need to closely monitor the impact of interest rate cuts on bank risks and take necessary measures to ensure the stable operation of the financial system.
There is still room for lowering the deposit interest rate.
In order to alleviate the downward pressure on net interest margin, commercial banks have lowered deposit interest rates several times.
According to the research report of Guojin Securities, the reduction of deposit interest rate is expected to ease the pressure on banks’ net interest margin and enhance the enthusiasm of finance for supporting the real economy.
The report on the implementation of China’s monetary policy in the fourth quarter of 2023 issued by the central bank also proposes to continuously deepen the interest rate marketization reform, further improve the formation mechanism of quoted interest rate in the loan market, give play to the role of market-oriented adjustment mechanism of deposit interest rate, and promote the steady decline of comprehensive social financing costs.
Looking into the future, people in the industry generally believe that there is still room for the deposit interest rate to fall.
Bai Wenxi said that the central bank recently announced that the LPR for more than five years will be lowered by 25 basis points, which is expected to further guide banks to lower deposit interest rates and promote the orderly decline of LPR, thus reducing the financing cost of the real economy.
Dong Ximiao, chief researcher of Zhaolian, believes that the Central Economic Work Conference calls for "promoting the steady and declining cost of comprehensive social financing". Under this background, banks will still reduce costs on the capital side, and the deposit interest rate is more likely to fall. Small and medium-sized banks should abandon the "speed complex" and "scale complex" and rationally expand their deposit business according to their own assets and liabilities. They should not only maintain the appropriate growth of deposit business, but also keep the debt cost within a reasonable range.
"For depositors, when the deposit interest rate drops, the savings income decreases, which may reduce the willingness to save and increase the demand for consumption and investment. In the long run, this adjustment will help optimize the allocation of resources, improve the efficiency of capital use, and be conducive to the sustainable development of the economy. " Said by the sunrise.
Reporting/feedback

The proportion of unit provident fund deposit is reduced. Expert: It has little impact on employees in first-and second-tier cities.

  Beijing, May 13 (Reporter Cui Jiaming) According to the economic voice "Tianxia Finance", the regulation of the national property market has entered an intensive period, and changes in policies such as mortgage and housing provident fund can always affect the nerves of buyers and renters. The Ministry of Housing and Urban-Rural Development and other three departments recently issued a notice to extend the policy of reducing the deposit ratio of enterprise housing provident fund to April 30, 2020.

  The deposit ratio of unit provident fund shall not exceed 12%, and the amount of employee provident fund shall be reduced.

  The "Notice" clarifies that the lower limit of the housing provident fund deposit ratio is 5%, and the upper limit is determined by each region in accordance with the procedures stipulated in the Regulations on the Administration of Housing Provident Fund, and the maximum shall not exceed 12%. The deposit unit can independently determine the proportion of housing provident fund deposit within the upper limit range of 5% to local regulations. It is understood that this move can reduce the burden on enterprises by about 30 billion yuan.

  What impact does the policy have on ordinary employees? Ding Jiangang, a real estate research expert and dean of Zhejiang Media Real Estate Research Institute, analyzed that enterprises have reduced their burdens, and the amount of personal provident fund of employees has also decreased accordingly. This has an impact on the purchase of houses with provident fund, the withdrawal of provident fund for down payment and the amount of future provident fund loans.

  In April this year, the Ministry of Housing and Urban-Rural Development announced that it would postpone the policy of reducing the proportion of enterprise provident fund deposits and other related policies and measures. Therefore, the "Notice" jointly issued by the three departments also means the actual implementation of the policy. According to expert analysis, unlike social security and pension insurance, housing provident fund is the disposable income of employees, and this part of income does not need to pay a tax. For many employees, the downward adjustment of the proportion of paid provident fund will directly affect this part of income. Although the wages of employees have increased, they still have to pay taxes, so the increase in cash income of employees is not obvious.

  Expert: It has little impact on employees in first-and second-tier cities.

  In addition, the impact of policies on employees in different regions is different. Ding Jiangang analyzed that for third-and fourth-tier cities with relatively low housing prices, the total proportion of provident fund and provident fund loans extracted in the whole housing price is relatively high, which will have a greater impact on these cities. However, for first-tier cities and second-tier cities, because the housing prices are relatively high, the proportion of the extractable provident fund to the total housing prices is not very high, so the impact is not great.

  In addition, Yan Yuejin, research director of the think tank center of Yiju Research Institute, believes that the starting point of this policy is to consider the burden reduction of enterprises, and the policy itself adopts a phased approach.

Constructing a new development pattern based on unblocking the national economic cycle (authoritative interview)

  A few days ago, General Secretary of the Supreme Leader pointed out at the symposium of experts in the economic and social fields: "‘ Fourteenth Five-Year Plan ’ The period is the first five years after China has built a well-off society in an all-round way and achieved the first century-long struggle goal, and started a new journey of building a socialist modern country in an all-round way and marched towards the second century-long struggle goal. China will enter a new stage of development, which requires "building a new development pattern mainly by smoothing the national economic cycle."

  What are the characteristics of the new development stage? How to meet new challenges, seize new opportunities and build a new development pattern? The reporter interviewed Jiang Xiaojuan, Dean of School of Public Administration of Tsinghua University.

  The new development stage has new features, new opportunities and challenges.

  Reporter: General Secretary of the Supreme Leader pointed out: "Look at the new opportunities and challenges in the new development stage with dialectical thinking". What are the new features of the new development stage? What are the new opportunities and challenges?

  Jiang Xiaojuan: During the Tenth Five-Year Plan period, China will enter a new stage of development with new characteristics, new opportunities and challenges.

  First of all, it has entered the stage of high-quality development and has new characteristics. In the period of quantitative expansion, the word "investment" can be used as the head and "incremental expansion" as the basis. Investing in money, people, land and projects will lead to new output and growth. In the period of quality improvement, the word "mention" should be the first, and "stock improvement" should be the foundation. The key point of investment is to improve the quality, especially the quality of stock production capacity and the allocation quality of production factors, and also to decide how to optimize the structure, how to change the mode and how to improve the total factor productivity. The situation will be much more complicated.

  Secondly, enter a period when science and technology "follow", "run side by side" and "lead" coexist and the weight of "run side by side" is increasing. In the past, we focused on "following and running", introduced advanced foreign technology, and improved the level of China’s science and technology, especially industrial technology. You don’t need to set your own direction when you "follow", just speed up and shorten the gap. Now, we have entered a period of paying equal attention to "running with", "running together" and "leading", and the situation will change greatly. Technology development has entered a highly uncertain state, with no pilot, no industrial chain, unknown market demand and even no one to follow. We can only increase investment in basic research, persevere and make original achievements. At the same time, allocate scientific and technological resources with enterprises as the main body, strengthen cooperation in Industry-University-Research, and expand the market and industrial chain while innovating. This is a more arduous and complicated scientific and technological task than before.

  Third, digital technology is more widely and deeply applied. In the future, we will use digital technology to govern the economy and society, and widely use digital technology in economic regulation, market supervision, social management, public services and environmental protection. At the same time, digital technology should be governed, including algorithm problems and personal privacy protection issues. Digital technology often has two sides. The same application can not only empower individuals, enterprises and governments, but also empower all kinds of behaviors that infringe on rights and evade supervision.

  Fourth, the world today is experiencing a great change that has never happened in a century, which will inevitably bring about the continuous adjustment of all aspects of global relations. From the perspective of economic and trade relations, our relations with some developed countries have changed from complementary relations to complementary, cooperative and competitive coexistence. At present, the strategic game of big countries goes far beyond the economic field, and the uncertainty and high risk of international relations are presented at many points. The task of managing this situation is complicated and the pressure is increasing.

  China’s industrial competitiveness has been significantly improved, and it can fully develop and grow in the new development pattern.

  Reporter: Under this background, what are our favorable conditions for building a new development pattern based on the smooth circulation of the national economy?

  Jiang Xiaojuan: The General Secretary has repeatedly pointed out that it is necessary to accelerate the formation of a new development pattern with the domestic big cycle as the main body and the domestic and international double cycles promoting each other. Our advantages can be seen from both domestic and international aspects.

  Domestically, since the founding of New China more than 70 years ago, China has accumulated a relatively solid material foundation, and its comprehensive national strength has been at the forefront of the world. In 2019, the total GDP was close to 100 trillion yuan, making it the second largest economy in the world, forming a super-large-scale economic foundation of a big country, providing the basic conditions for the formation of a large domestic cycle. For example, China has a manufacturing system with complete industries and obvious economies of scale, and is the only country in the world with all industrial categories in the United Nations industrial classification. From the perspective of consumer demand, China is the second largest market in the world, with more than 400 million middle-income groups and a per capita GDP of more than 10,000 US dollars. The demand is multi-layered and diverse, which can provide all kinds of markets needed by domestic industries. Our level of scientific and technological innovation is constantly improving, and the stock of human capital is large, which will also grow rapidly. These conditions will support the continuous improvement of the scale, quality and efficiency of domestic circulation.

  From the international environment, although there have been some setbacks and adjustments in globalization, the overall trend has not changed. Economic globalization and technological globalization continue to develop. We adapt to the international environment and smooth the international circulation. Although there are challenges, there are more opportunities.

  There is no doubt that what we want is a new development pattern in which domestic and international double circulation promote each other, and we should continue to use two markets and two resources. The competitiveness of China’s industry has been significantly improved, and it can fully develop and grow in the new development pattern.

  Reporter: What are the difficulties and blocking points in building a new development pattern? How to find the breakthrough point?

  Jiang Xiaojuan: To build a new development pattern, we must deepen the supply-side structural reform, develop a modern economic system, improve the efficiency of resource allocation, and increase the total factor productivity, so as to continuously expand the domestic economic cycle. In particular, it is necessary to improve the industrial basic ability and industrial technology level, overcome the technical problem of "sticking the neck", and smooth the industrial chain and innovation chain. We should also give play to the basic role of competition policy, foster a level playing field, improve market operation efficiency and promote high-quality economic development. From the perspective of increasing consumption scale, we should speed up the process of new urbanization. In the past years, urbanization lagged behind industrialization, and a large number of rural registered laborers supported the industrialization process, but they could not fully enter the corresponding urban consumption, and the consumption growth was relatively slow. Therefore, it is necessary to speed up the process of citizenization of floating population, and promote the growth and improvement of various consumption levels that match the stable living conditions in cities and towns.

  Using international circulation to adjust the surplus and deficiency, gain the benefits of division of labor, consolidate and open up the international market, and also provide more opportunities for domestic enterprises

  Reporter: How does the domestic and international double cycle promote each other?

  Jiang Xiaojuan: First of all, we should use international circulation to adjust the surplus and deficiency. China is an economy short of land, fresh water and oil resources, which does not match our huge economic volume, which restricts our efficient allocation of resources.

  The second is to use international circulation to obtain the benefits of division of labor. The formation of the global industrial chain is partly due to the pooling of global resources for joint production because of "not being able to do it" and partly due to the pursuit of the benefits of global division of labor because of "being able to do it but not doing it best". Both factors will continue to exist in the future and increase their intensity. In particular, the globalization of science and technology continues to advance, high-tech products are becoming more and more complex, and the whole world is cooperating and dividing their work, so they will not have sustained competitiveness. We should try our best to participate in the global industrial chain innovation chain, and at the same time try our best to improve our ability to respond to emergencies and maintain the stability of the industrial chain in innovation chain.

  Third, smooth the international circulation, consolidate and open up the international market, and provide more opportunities for domestic enterprises. We already have an important position in the global industrial chain. Many industries have a high proportion of product markets abroad. Only when the international circulation is smooth and the whole industry operates effectively can we ensure employment and income, which is also an important source of domestic income growth and consumption growth.

  Reporter: What kind of institutional and institutional reforms are needed to build a new development pattern?

  Jiang Xiaojuan: To build a new development pattern, first, we must implement a higher level of opening-up policy, from policy opening to institutional opening. In the future, we should strive to make the institutional opening system more perfect and relatively stereotyped. We should continue to improve the system of foreign-related economic laws and regulations, adhere to the principle of equal status of all kinds of economic entities and equal protection of all kinds of property rights, and vigorously improve the level of law formulation and implementation.

  Second, we should give play to the basic role of competition policy and ensure the effective allocation of resources. Now, the conditions and environment in all aspects have changed greatly, so we can give full play to the role of market competition and change to a "neutral" open system. The first is to maintain "neutrality" between exports and imports, both of which are equally important. Secondly, we should keep "neutrality" between foreign investment and foreign investment. The capital, technology, advanced products and management experience brought by foreign investment are as important as the investment income, export expansion and local production advantages brought by foreign investment. Finally, it is to maintain "neutrality" between foreign-funded enterprises and domestic-funded enterprises. Both types of enterprises can promote domestic economic development and enhance international competitiveness. Fair competition can enable enterprises with stronger competitiveness to win and promote the efficiency and competitiveness of the whole industry.