Knowing well the meaning of development in the new era-the construction of green smart mines in China has achieved remarkable development results, and the ability of "commercialization, scale and scene" layout has become the "value label" of the new generation of mining equipment market.

　　On June 30th, the "Green Energy and Smart Driving, Win the Future" 2023 Green Smart Mine Application Achievement Conference was held in Zoucheng, Shandong Province. The project is jointly promoted and operated by Honghe Baili, Yanzhou Sinoma, Yutong Mine Card, Yikong Zhijia, etc. It has become the largest demonstration benchmark of pure electric driverless operation in Shandong Province and achieved good promotion effect.

　　Li Jianyou, vice president of China Construction Machinery Industry Association, said that the release of the application results of green smart mines is a perfect combination of modern technology and traditional mining, a powerful display of the crystallization of cutting-edge wisdom under the wave of the new era, and it also marks that China’s driverless mining card has achieved a new milestone in large-scale commercial operation.

　　In the future, with the blessing of 5G, AI intelligence, unmanned driving and other technologies, the project will further promote the development of automation, intelligence, digitalization and low carbon in China’s mining areas and lead the mining industry into a new era of intelligent development.

　　Based on the tuyere of green mine

　　Unmanned driving-model effect, brand-new sailing

　　In recent years, in order to implement the national double-carbon strategy and achieve high-quality development, the construction of green and smart mines is stepping into the fast lane, and the new energy and intelligent application of mining equipment has become the general trend.

　　Mine card is often used in the tasks of rock earthwork stripping and ore transportation in mines, with short vehicle distance, heavy load and fixed route. For unmanned driving and electrification, this model has an innate "promotion advantage".

　　When most unmanned application scenarios are still in the exploration stage, unmanned transportation in mine scenes has ushered in large-scale commercial landing. Hand in hand with industry partners such as Honghe Baili Fushan Mine, Yikong Zhijia, Yanzhou Sinoma is aggressive and tries first, and actively introduces Yutong pure electric driverless mine card to empower the high-quality development of intelligent green mining areas.

　　According to the staff of Yanzhou Sinoma, the 20 pure electric unmanned mine cards invested in the early stage have been operated safely and stably for more than 100 days, with a transportation mileage of over 87,000 km and a transportation trip of over 47,000 trips, saving energy consumption costs by 70% and the attendance rate reaching 100%, realizing the strategic layout from the delivery of the first batch of vehicles to the full-line operation of multi-group unmanned mine cars, and creating an industry precedent for the operation of multi-group unmanned mine cars in the whole mine.

　　According to the plan, the project will continue to invest in 40 pure electric unmanned mine cards, make every effort to build the largest transportation scene of pure electric mine cards in China, set up a new model of green and smart mine construction, and provide benchmarking model and valuable experience for the low-carbon, green, efficient and sustainable development of mining equipment industry.

　　Latest application results release

　　Hard core benchmark-advanced technology, quality pilot

　　In the field of unmanned mining vehicles such as gravel and mines, safety is the cornerstone, and product capability and efficiency are the core. The achievement of the project fully embodies the win-win advantages of Yutong Mine Card, Easy Control and Intelligent Driving and other industrial chains, which is of great guiding significance for multi-party cooperation and promoting the development of intelligent mine equipment.

　　At the event site, Yanzhou Sinoma, Yikong Zhijia and Yutong Mine Card held a strategic signing. All parties will focus on their respective fields and complement each other’s advantages, and work together to create a new mode of unmanned transportation scene operation of mine cards.

　　In 2018, Yutong Mine Card took the lead in developing and promoting new energy mine cards in the industry. Relying on the technical advantages of Yutong Group’s Ruikong E platform, Yutong pure electric mine card adopts core technologies such as high-strength battery for mine and self-developed integrated coaxial dual-drive motor to provide customers with competent, energy-saving and safer application solutions for pure electric mine cards. As a leading mine unmanned technology enterprise in the industry, the partner Yikong Zhijia focuses on the unmanned scheme of open-pit mines, and is committed to the research and development of advanced and systematic unmanned technology, empowering the mine card product operation scheme, and providing professional services for the unmanned full-stack technology and transportation operation in mining areas. The cooperation between the two parties will further accelerate the green and intelligent transformation of the mining industry.

　　Green technology controls the future-stepping into the era of "unmanned driving", the traditional mining industry is undergoing a brand-new change.

　　Adhering to the concept of ecological priority and green development, Yutong will join hands with all parties to drive sophisticated and systematic solutions with pure wire control to empower the whole process of production and construction of "green smart mines", promote the high-level advanced and high-quality development of mineral resources development and ecological protection, and help the mine format to be better.

Spring blossoms, the earth warms up, taking advantage of the beautiful spring, I invited three or two friends to go out to play on weekends, stepping on the green grass and looking at the blue sky, not to mention how comfortable it is. But when we travel, we always consider the distance. After all, if it is too far away, driving will be very tiring, and there will be no mood to play there. Why don’t we move the house near the scenic spot? Let’s take a look at what properties are near these popular punching scenic spots ~

Fumei beauty mountain art plank road

From the foot of the mountain to the top of the mountain, wooden plank roads are built. Even two or three-year-old children climb the mountain effortlessly, and there are dolls with constellation statues on the way. There is a viewing platform at the top of the mountain, where you can see the scenery of Longquan Temple and the whole mountain, and you can arrange picnics and barbecues.

The Fumei Mountain project is the art plank road of Fumei Mountain, which is very close.The project is located on the south side of Changqing in the west (the South Second Ring Road extends over Shanqian Avenue for 2 kilometers in the west), with an average price of 14,000 yuan/m2.

The overall planned land area of the park is 80,000 ㎡, the plot ratio is only 1.2, the ratio of parking spaces is 1:3, and the greening rate is 35%. In the first phase of the project, 54 buildings are planned, mainly in rows and stacks. Mainly push the row of 255m2 five-bedroom, 269m2 five-bedroom and 280m2 six-bedroom.

The project is located at the top of the mountain about 500 meters above sea level, overlooking the whole urban area of Shijiazhuang to the east and the beautiful scenery of Shan Ye countryside to the south; Fumeimei Mountain is a double courtyard design in north and south, with a planned yard area of 70㎡-280㎡, which is relatively spacious and open.

Longquanhu Wetland Park

Shijiazhuang Longquan Lake Wetland Park is located in the east of Shanqian Avenue, west of Qingyin Expressway, south of Huai ‘an Road and north of the west extension of South Second Ring Road in Luquan District, Shijiazhuang, covering an area of about 3.6 million square meters. It is the largest wetland park in Shijiazhuang. From west to east, the scenic spot is planned into four sub-districts: Longquan Exploration Scenic Spot, Longxi Liufang Scenic Spot, Longhu Fucui Scenic Spot and Longwan Leyu Scenic Spot. There are not only water and boats here, but also music fountains and white stone garden spray landscapes.

Xishan Peach Blossom Garden is about 1.5km away from Longquan Lake Wetland Park.The project is located 200 meters southbound along the west of South Second Ring Road and the intersection of Shanqian Avenue, with an average price of about 4 million/set.

The project covers a total area of 1,034 mu, and the residential area is about 627 mu. It is developed in six phases, with a plot ratio of about 1.0, a greening rate of 35%-40% and a parking space ratio of 1:2.

The second phase is townhouse and laminated products, the townhouse is Huizhou style, the laminated style is Republic of China style, and the third phase is low-density villa, which is comfortable to live in. The garden as a whole follows the concept of "harmony between man and nature", adopts Jiangnan classical garden style, and has three progressive spaces. Planning to adopt the community gate — — Gardens — — In the three-level mode of entering the street, each landscape node is connected in series through a winding path.

Shuanglongshan forest park

Shuanglongshan Forest Park is located in Xinzhuang Village, Shangzhuang Town, southeast of Luquan City, with a total area of 528,000 square meters. It is based on the legend of dragons. The two main peaks are like two giant dragons lying in the middle, and the canyon between the two peaks is like a giant dragon descending down the mountain. The image is vivid, and the architectural design in the park is unique, with garden architecture of northern characteristics, southern landscape and northwest style.

Longhu Jiuli Qing Chuan is about 1.3km away from Shuanglongshan Forest Park.The project is located 500 meters north of the intersection of Shanqian Avenue and Huai ‘an Road, with an average price of 12,200 yuan/m2.

The project covers a total area of 181 mu. There are 40 buildings in the residential area, including 20 bungalows and 20 overlapping buildings. The building spacing of bungalows is 25m-28m, and the overlapping building spacing is 25m. The plot ratio of the residential area is 1.4, and the green space rate is 35%. The project has created a classic garden with five gardens, ten lanes and nine landscapes, and internally designed a children’s amusement equipment area, a children’s tunnel crossing area, a children’s painting area and a children’s climbing amusement area, and created a 15.5m large slide in the shape of a dragon. The theme of this activity area is the enterprise IP Dragon and Small Lake in Longhu.

Western Changqing Xiubo City

With a total area of about 10 square kilometers, the project is the first comprehensive landscape sports and leisure tourism destination in North China, which integrates sports and leisure, eco-sightseeing, folk experience, theme amusement, large-scale performing arts, fitness and health preservation, etc.

At present, the projects that have been opened to the outside world include: Ice and Snow Town, Liuxian Valley, Nature Park, Water Park, Puzhen Hotel and Deming Ancient Town.

The west of Yanlu, Xishan, Lvtou Greentown, is about 5km away from Changqing Xiubo City.The project is located in the south of the South Second Ring Road, 3 kilometers west of Shanqian Avenue, with a cost of about 1.7 million yuan/set.

The first phase of the town covers an area of about 400 mu, with a total construction area of about 270,000 ㎡, a plot ratio of 1.0-1.6, and a parking space ratio of 1:1.15. There are 298 households, surrounded by mountains on three sides and facing the sun on the back, forming a valley shape. The overall planning idea of the project is one core (town center), two doors (pastoral portal and cultural portal) and three gardens (cultural garden, terrace pastoral, children’s exploration paradise).

Hutuohe huahai

Located in Landscape Road, Zhengding County. At this time, on both sides of the road, there are blooming flowers. Bees flying and butterflies dancing in the sea of flowers set off the wide surface of the Hutuo River, forming a colorful picture. Among the more than 3,500 mu of flower sea in the ecological zone, there are corn poppy, cosmos, zinnia, cornflower, Ophiopogon, etc. which are currently in full bloom; Next, from the end of July to the beginning of August, blue flax, hollyhock, big-flowered okra and Dutch chrysanthemum will also open one after another, and the flowering period will last until mid-November.

Lan Yuefu, the state residence, is about 3km away from the Hutuo River Flower Sea.The project is located in the southwest corner of the intersection of Hebei Avenue and Chengde Street in Zhengding County, with an average price of 19,800 yuan/m2.

Covering an area of 550 mu, the first phase covers an area of 164 mu, and the total planned number of households is 1288, creating 29 pure bungalow communities with 4-7 floors. The greening rate is 40%, and the plot ratio is 1.48. As a villa product with 4-7 floors of elevators, the state house Lanyuefu has built a variety of apartments with a building area of about 80-150㎡.

The courtyard on the Yuhe River in Greentown is about 3km away from the Hutuo River Flower Sea.The project is located 800 meters eastbound on the north bank of Hutuo River, Sports Street, about 3.7 million yuan/set.

The total planned number of households is 408, and the total area of the project is about 120 mu. There are 25 houses, 4 townhouses and 1 living aesthetics hall. The greening rate is 35%, and the plot ratio is 1.05. The property company is Greentown Property Service Group, and the parking space ratio is 1:2, with 844 parking spaces. When the house is finally handed over, it will be delivered as a blank.

"The smallest backpacker" treks in the desert.

On December 7th, Wenwen and her party were in a hostel on Xiaotianzhu Scenic Resort Street. Liu Chenping

　　Don’t go to kindergarten, walk with parents since childhood, and spend more than half of the year on the road … … In 2016, a photo of a little girl begging for a ride on the roadside caught fire in Weibo. The little girl in the photo was only 4 years old at that time, but she had been in prison for nearly 3 years, so netizens called her "the smallest backpacker in China".

　　In the past year, Wenwen has not stopped hiking. Together with her parents, she challenged the Sichuan-Tibet Line, experienced paragliding in Nepal and crossed the virgin forest … … Just last month, 5-year-old Wen Wen, her father, mother, brother and new partner Lin Lin challenged the "sea of death" Lop Nur. On December 7th, the family who had returned to Chengdu was interviewed by a reporter. "Tiger Dad" Pan Tufeng told the reporter that the trip to the desert was only six days, which was "a failed challenge", but it also gained a lot.

　　Along the way, the debate about Wenwen’s parents’ "tiger education" has never stopped. Although questioned, my father Pan Tufeng’s decision not to let her (Wenwen) go to kindergarten has not wavered. In September next year, Wenwen will reach the age of going to school. Pan Tufeng admits that he will try to choose the holiday time for hiking in the future.

　　New members join

　　Take a leave of absence for two months, and the peers will retreat halfway.

　　On December 3rd, Wenwen and his party arrived in Chengdu, which was the last stop of their trip. "I will return to Shangrao in a few days, and my child’s leave will expire soon." On the 7th, in a youth hostel near Huaxi Dam, Chengdu, I watched three children playing around, Pan Tufeng said.

　　Among the three children, in addition to the daughter Wenwen and the eldest son Bai Ru, a new member — — Bai Ru’s friend, 11-year-old Lin Lin.

　　During the summer vacation this year, Bai Ru, who was on holiday at home, became a "king of the children", camping and having a picnic with children older than herself, and Lin Lin was one of them. "He (Lin Lin) may be infected and wants to join our hike. His parents are also very supportive, so they are together." Speaking of new members, Pan Tufeng’s tone is hard to hide his confidence.

　　I went to the plateau and went to the seaside. This time, Pan Tufeng set a new challenge for the children — — "Sea of Death" Lop Nur. I asked the school for two months’ leave. In October, a group of five people started a challenge trip on the Yunnan-Tibet line.

　　Get up at 6: 30 every day and walk more than 20 kilometers … … When she came to a place called Foshan Town, Lin Lin backed out. On that day, few vehicles passed by on the road. Until 11 pm, the group still didn’t get on the bus. Walking on the road in the middle of nowhere, Lin Lin cried to go home. "What I didn’t expect was that Wen Wen and Bai Ru took the initiative to comfort and encourage their brother." Pan Tufeng said.

　　After an episode, five people continued on the road, and Lin Lin gradually integrated into it. "At first, I called his parents every day. Later, I only called once a week, which made me more independent."

　　No man’s land on foot

　　After walking for three days, I returned, and the children came out of the desert crying.

　　At the end of October, a group of people arrived in Ruoqiang County, Xinjiang. From here, journey to the south is Lop Nur. Pan Tufeng originally planned to cross by off-road vehicle. However, under the persuasion of relatives and friends, and considering that the child is too young, Pan Tufeng and his wife Yuan Duan decided to "have a taste": "Just find a local as a guide and feel it on foot."

　　Before leaving, Pan Tufeng made a goal: to stay in the desert for ten days. According to this plan, enough water and food are prepared. "If you follow the plan every day, it should be enough."

　　Compared with adults, children are much simpler: how happy they are to have countless sands to play in the desert. Arriving at Washixia Town, Wenwen couldn’t wait to drill into the desert.

　　Pan Tufeng doesn’t think this is for children to play — — Every child has to carry his own clothes and food. Lin Lin and Bai Ru are older and boys, each of them has to carry two barrels of 1.5 liters of water, and Wen Wen, who is only five years old, has to carry two bottles of 500 ml of water.

　　On November 2 nd, the trip to the desert no man’s land was set off. Just seeing the sand, the three children were very excited, building bases and building castles and having fun. However, from the third day, the novelty was wiped out by the same scenery in front of her eyes, and with the fatigue caused by walking for more than ten kilometers every day, Lin Lin took the lead in getting emotional. See elder brother don’t go, wenwen, Bai Ru also began to cry.

　　Do what you can. Pan Tufeng and Yuan Duan are not going to force the children to go on, but even if they want to go home, they have to walk back by themselves. It is their consistent attitude not to help. Tired of walking, sit down and rest, rest well, pack your back and continue walking. On the sixth day, the children walked out of the desert by themselves.

　　A child’s harvest

　　Unsuccessful challenges make children know how to cherish water.

　　There is another important reason why I chose to end my trip early: there is not enough water.

　　"The first time I went to the desert, I was inexperienced. At first, I thought the bag was delicious, so I ate more and drank more water." Pan Tufeng said that children also don’t know how to drink water in a planned way. "By the next day, they had already finished drinking the water on their backs."

　　Originally planned to drink enough water for 10 days, only half of it was left after 4 days, so I had to turn back ahead of time. "This is an unsuccessful challenge, but the gains are still great." Pan Tufeng said.

　　Lin Lin’s parents felt the change of their children. "Because he was favored at home since he was a child, he (Lin Lin) is lazy and doesn’t know how to suffer. After coming out of the desert, he suddenly became more sensible and told us to save water and food. " Lin Lin’s mother, Zheng Xiaohong, said.

　　Six days in the desert, hardships are everywhere. There is a big temperature difference between morning and evening in desert areas, and the temperature is only about 2℃ at night. In tents, children wrap their clothes and shrink into sleeping bags to keep warm. In Pan Tufeng’s view, this is to exercise children’s will, but also to teach them to learn to cherish.

　　Walking in the unchanging desert, even if there are local people as guides, it is inevitable that they will feel desperate because they can’t see the edge. "This is also a rare experience for them. After personal experience, they can feel the meaning of persistence."

　　New plan

　　Challenge the Qinghai-Tibet line before entering primary school next year.

　　In mid-December, Bai Ru and Lin Lin’s holiday is over, and they will return to class. After missing two months of courses, can you still keep up? Pan Tufeng is very optimistic: "On the way out, we all brought textbooks. If there is something we don’t understand, Bai Ru also asked the teacher through WeChat."

　　In September this year, Bai Ru was promoted to the third grade. In the first month’s assessment, he ranked more than 50 in the class of more than 60 people. Pan Tufeng didn’t care much about this. He said: "What they learned at school is only a part. I believe that they have learned more during their travels, which is also helpful for their future study."

　　Next September, Wenwen should also go to primary school. Is it to let the children go on like this, or to return to campus? Pan Tufeng said frankly: "After Wenwen goes to school, she may take advantage of her two children to have a holiday and then go out on foot."

　　However, in the remaining months, Pan Tufeng has drawn up a new plan for Wenwen: to challenge the Qinghai-Tibet Line. "We have all challenged the Sichuan-Tibet line, the Yunnan-Tibet line and the New Tibet line. Only the Qinghai-Tibet line is left in the four national roads into Tibet, and I hope it can be completed before she enters school."

　　Huaxi Dushi Bao-cover journalist Wu Bingqing

　　Trainee reporter Tian Zhilu Photography Liu Chenping

Topic: 60 years of classic China glory

The overall strength of the banking industry continued to increase.

　　Cartographic song song

　　Six years, just six years, the world has seen China’s financial industry in a completely different way.

　　Six years ago, in 2003, foreign power decided: "China’s banking industry is technically bankrupt and is a time bomb."

　　Today, six years later, foreign news lamented: "ICBC, CCB and BOC in China have become the three banks with the largest market capitalization in the world, and new leaders have emerged. China is not only a’ world factory’, but also a’ world bank’."

　　Different evaluations reflect the rapid development of China’s financial industry from one aspect.

　　"Finance is very important and is the core of the modern economy. Finance is well done, and everything is alive when you play chess. " Comrade Deng Xiaoping’s words brilliantly clarified the position of finance. Over the past 60 years, China’s financial industry has opened a new era in the cheers of the founding of New China, and achieved a historic leap in the spring breeze of reform and opening up, which is strongly supporting economic and social development and effectively meeting the financial needs of the people …

　　expand from a small to a large force

　　Form a complete financial system

　　Have an impressive world ranking

　　Zhao Haikuan, former director of the Financial Research Institute of the People’s Bank of China, visited Swiss banks in the 1970s. "They used machines and floppy disks to record data, while we used abacus and dip pen to keep accounts. The gap between floppy disk and abacus is too big. "Speaking of this, he changed his subject." However, now our bank’s equipment has reached the international first-class level! "　　

　　Zhao Haikuan is changing from a technical point of view. In fact, from the perspective of organizational system, China’s financial industry has undergone greater changes.

　　A multi-level financial institution system has gradually taken shape.

　　Before the reform and opening up, there was only one bank in China-China People’s Bank, which was both a central bank and a commercial bank. On September 17th, 1983, the State Council decided that the People’s Bank of China should exercise the functions of the central bank exclusively. Since 1979, China Agricultural Bank, China Bank, China People’s Construction Bank (renamed as China Construction Bank in 1996) and China Industrial and Commercial Bank have successively started business. In 1987, a number of new joint-stock banks such as Bank of Communications were established. In 1994, three policy banks were established to undertake the original policy business of four professional banks. By the end of June this year, China had more than 5,600 legal persons of various banking financial institutions.

　　The insurance industry has also moved from "one flower alone" to "full of spring scenery". At the beginning of reform and opening up, there was only one insurance company in China-China People’s Insurance Company. In the past 30 years, insurance institutions have grown from one to more than 120; The annual premium income jumped from less than 500 million yuan to 978.41 billion yuan in 2008. Yang Chao, president of China Life Insurance (Group) Company, still remembers that in order to adapt to the rapidly expanding business, in 1985, under the background of lack of professional talents, PICC China started the first training course. "They are all demobilized cadres in their forties, squatting on the curb at night and reciting insurance clauses."

　　The all-round financial market system has been accelerated.

　　The emergence of the capital market is a major breakthrough in the development of China’s financial market. On November 18th, 1984, Feile Audio became the first public offering stock. Qin Qibin, then the director of Shanghai Electroacoustics General Factory, recalled that at that time, with the improvement of people’s living standards, there was a great demand for audio equipment. He is thinking about raising money to expand audio production by issuing shares. "In September 1986, two stocks, Feile and Yanzhong, were traded on the counter in the Shanghai Jing ‘an Trust Business Department of ICBC. The place is very small and there are many people. I am very excited and think that someone really buys and sells our stocks! " Since then, the development of direct financing in China has been persistent and firm, and the capital market has become one of the landmark achievements in the process of China’s economic transformation from a planned system to a socialist market economic system.

　　In addition to the capital market, financial markets such as interbank lending market, insurance market, foreign exchange market and gold market are also developing continuously.

　　The professional financial supervision system has been continuously improved.

　　Before 1984, there was no financial supervision in the modern sense in China. Since 1984, the People’s Bank of China has been specializing in the functions of the central bank. Liu Hongru, former deputy governor of the People’s Bank of China, former deputy director of the State Commission for Economic Restructuring and the first chairman of the China Securities Regulatory Commission, recalled: "At that time, it was supposed to be called the Central Bank of People’s Republic of China (PRC), leaving the name of the People’s Bank to separate professional banks. Later, the party group of the People’s Bank of China discussed that, firstly, the RMB issued by the People’s Bank of China has been in circulation for many years, and it is difficult to change the banknotes. Secondly, the People’s Bank of China was established in 1948 and has been the only national bank for decades. If it suddenly becomes a professional bank, it will not be easily understood and accepted by people. Therefore, it was finally decided that the central bank should also be called the People’s Bank of China. "

　　Since then, the financial supervision system has been continuously deepened. In November, 1997, the securities institutions originally supervised by the People’s Bank of China were placed under the unified supervision of China Securities Regulatory Commission. In November 1998, the China Insurance Regulatory Commission was established. In 2003, the supervision function of banking financial institutions was separated from the People’s Bank of China, and the China Banking Regulatory Commission was established. So far, a financial management system of "one line, three meetings" has been formed.

　　After 60 years of grinding a sword, today’s China financial industry has a proud "world ranking": the total profit, profit growth and return on capital of the banking industry rank first in the world; The total market value of Shanghai and Shenzhen stock markets ranks third in the world; Premium income ranks sixth in the world.

　　"China’s financial industry plays an important role in the world. We hold more than $2 trillion in foreign exchange reserves and are the largest creditor of the United States. Any major financial problems in the world today, without the participation and cooperation of China, I am afraid it will be difficult to be properly resolved. " Zhou Zhengqing, former member of the Standing Committee of the National People’s Congress, vice chairman of the Financial and Economic Committee and former chairman of the China Securities Regulatory Commission, said.

　　Great changes come from the reform and opening up of the financial industry. In January, 2004, the State Council announced the decision of Bank of China and China Construction Bank to implement the pilot joint-stock reform, and the joint-stock reform of state-owned banks officially entered the implementation stage. Zhou Zhengqing recalled that in 2002, the non-performing loan ratio of four state-owned banks reached 25.12%, far higher than the international risk level of 5%; The average capital adequacy ratio is only 4.25%, which cannot meet the international regulatory requirements of 8%. Now, the non-performing loan ratio of major banks has dropped to 6.01%, and the weighted average capital adequacy ratio of commercial banks is as high as 12%. These indicators are among the best in the world.

　　From light to heavy

　　From Treasury to Economic Core

　　Support development and regulate economy.

　　"In the early 1980 s, most of the banks were on the high side, and enterprises had to take the initiative to find everything. As soon as you look at the counter, you will know that it is much higher than half a person, like a pawnshop, "said Lu Keping, chairman of Jiangsu Sunshine Group." Now, the height of the counter has come down and the service level has gone up. Banks often go to the door to conduct business, and the support for enterprises and the economy is too great! "

　　Zhao Haikuan said that in the 30 years before the reform and opening up, the role of the financial industry in China’s economy was mainly manifested in two aspects: First, an independent, independent and unified RMB standard system was established, ending the chaotic history of China’s monetary system in the past 100 years; First, raise social idle funds to support socialist economic construction.

　　"However, under the condition of planned economy, the bank is just an accountant, cashier and vault, and has not really played the role of a bank. Finance really plays the core role of modern economy in the 30 years after the reform and opening up. " Liu Hongru said frankly.

　　The "core" role of finance is first manifested in supporting the economy. Banking "blood transfusion" economy. From 2003 to 2008, the balance of bank loans increased by 16.5% annually. In the first half of this year, the bank’s new loans reached 7.37 trillion yuan, which played a vital role in promoting economic stabilization and recovery.

　　The securities industry boosts the economy. "As long as the organization is properly used, the capital market can play many positive roles in promoting economic development," Zhou Zhengqing said. For example, it is conducive to continuously and stably raising long-term funds. By the end of July this year, the domestic capital market had raised 2.5 trillion yuan for corporate stocks and 2.9 trillion yuan for bonds. Another example is that it is conducive to the concentration of social resources to high-quality enterprises. From 2003 to 2007, the control rights of nearly 600 listed companies changed.

　　The insurance industry stabilizes the economy. In the past five years, the average annual compensation for natural disasters in the insurance industry has reached 72.5 billion yuan, about 10 times that of government compensation and other forms of compensation.

　　The "core" role of finance is also manifested in regulating the economy.

　　After 1984, the People’s Bank of China actively carried out financial macro-control, which effectively curbed inflation in 1984, 1988 and 1992-1993. In 1998, the People’s Bank of China began to use a combination of monetary policy tools consisting of open market operations, deposit reserve ratio, rediscount, refinancing and interest rates.

　　Since then, the words "raising interest rates" and "raising the deposit reserve ratio" have gradually become familiar to the public, and financial regulation has frequently appeared on the economic stage: in response to the Asian financial crisis, the People’s Bank of China has implemented a prudent monetary policy and appropriately increased the money supply; Since 2003, the People’s Bank of China has raised the deposit reserve ratio 15 times, the benchmark interest rate for deposits 8 times and the benchmark interest rate for loans 9 times, thus preventing a new round of inflation and economic ups and downs. In the face of the once-in-a-century international financial crisis, in accordance with the decision-making and deployment of the CPC Central Committee and the State Council, the People’s Bank of China implemented a moderately loose monetary policy, comprehensively implemented and enriched the package plan and related policies and measures to stimulate the economy, and promoted economic stabilization and recovery …

　　From far to near

　　More and better financial services.

　　Fly into the families of ordinary people

　　When Aunt Yuan, 58, joined the work 37 years ago, there were few bank outlets. "It takes half an hour to go there, and there is a long queue to get there. It takes a long time to save a few dollars." Aunt Yuan said that it is much more convenient now. There are four outlets such as ICBC and China Merchants Bank in her community alone, as well as a 24-hour self-service terminal. The deposit and withdrawal can be done in one minute. "I also opened online banking, so I can pay, transfer and pay without leaving home!" 　　

　　Over the past 60 years, especially since the reform and opening up, China’s financial industry has "flown into the homes of ordinary people" and has become more and more closely connected with the people.

　　The banking service is even better. Bank outlets are scattered all over urban and rural areas, and there are more than 80,000 outlets in only four state-owned banks. "In the past, going to the bank was to deposit and withdraw money. Now, utilities, telephone bills and gas bills can be paid at the bank, and you can also buy various wealth management products there." Aunt Yuan said.

　　There are more securities services. In August 1992, about 1.5 million people flocked to Shenzhen from all over the country to snap up the application form for subscription of new shares to be issued soon. There were not enough porridge, and finally I had to issue an application form for subscription, which calmed the once out-of-control situation. This is the famous "8.10" incident in Shenzhen.

　　Nowadays, no matter stocks or funds, it has become a common way for people to invest and manage money. By the end of July this year, stock investors had opened nearly 133 million accounts and fund investment accounts had exceeded 178 million.

　　Insurance services are more familiar. When the domestic insurance business was resumed in 1980, there were only a few types of insurance, and most people were unfamiliar with insurance. Today, more than 1,000 kinds of insurance products protect people’s lives from the wind and rain, covering thousands of households with risk protection.

Editor: Xu Guimei

　　The adoption of the Gregorian calendar by our government began in the Republic of China. Therefore, in China, the history of New Year’s Day is less than a hundred years.

　　On January 1, 1912, Sun Yat-sen was sworn in as the provisional president in Nanjing, announcing the establishment of the provisional government of the Republic of China. At the same time, the "Declaration of the Provisional President" was issued, and the time at the end of the declaration was "New Year’s Day of the first year of the Republic of China". This is the first time that the Gregorian calendar has been used in the official proclamation, and it is also the first time that the word "New Year’s Day" with modern significance has been used. Subsequently, Sun Yat-sen ordered that in order to "do summer, it is suitable for farming; From the western calendar, so statistics ",switch to the solar calendar. On January 2, Sun Yat-sen electrified the provinces to change their calendars, and took January 1, 1912 as the beginning of the founding of the Republic of China.

　　From then on, China began to adopt the western calendar, taking January 1 of the Gregorian calendar as the New Year’s Day. Throughout the Republic of China, in fact, in the daily life of our people, the traditional lunar calendar was still used, but the first day of the first lunar month was generally called the Spring Festival. Since then, New Year’s Day and Spring Festival have been divided into two festivals, but New Year’s Day is still often used as a synonym for Spring Festival. For example, in January 1930, when Mao Zedong commanded the Red Army to fight in Jiangxi, he wrote a poem "Dream of New Year’s Day" with the words: "Ninghua, Cleanliness, Naturalization, and the roads are deep and slippery. Where to go today, pointing to Wuyi Mountain. Under the mountain, the red flag is picturesque. " New Year’s Day here means the same as Spring Festival.

　　At the beginning of the Gregorian calendar in China, Lu Xun wrote an article "Habits and Reform", in which he said: "Even the unemployed people in Shanghai and employees of the company lamented, or it was very inconvenient for farmers to cultivate, or it was very inconvenient for seagoing ships to wait for the tide. Therefore, we actually think of farmers in the countryside and boats at sea who have been irrelevant for a long time. This is really like fraternity. "

　　On September 27, 1949, the first plenary session of the China People’s Political Consultative Conference resolved: "The chronology of People’s Republic of China (PRC) adopts the AD chronology method." As a result, the Chinese government has adopted a more thorough method of AD chronology, and all government announcements, statistical reports, newspaper mastheads, etc. adopt the Gregorian calendar. The traditional lunar calendar in China has completely disappeared from official documents except that it is marked behind the Gregorian calendar in the headlines of important newspapers. The New Year’s Day holiday was also stipulated as one of the four legal holidays in China in the "National Holidays and Remembrance Days" adopted at the meeting of the Special Council (now the State Council) on December 23rd, 1949. Today, the calendar year and New Year’s Day festivals have gradually become universal, popular and stable among Chinese people. New Year’s Day and Spring Festival are no longer mixed in appellation. For example, in 1952, President Mao Zedong’s Speech at the New Year’s Day Group Meeting, New Year’s Day here refers to the Gregorian New Year’s Day.

　　New Year’s Day is an international festival, and different nationalities have different stories about the origin of New Year’s Day. It was the ancient Egyptians who first named New Year’s Day. Because of the need to calculate the Nile flood cycle, astronomy and solar calendar in ancient Egypt came into being. 7000 years ago, after long-term observation, the ancient Egyptians found that whenever Sirius rose with the sun, the Nile rose immediately, and it was always about 365 days before the next time. So ancient Egypt took the day when the Nile rose as the beginning of the new year, which was called the "Rising Water New Year". This is about the earliest origin of New Year’s Day.

　　Today’s Gregorian calendar, named after its universal use in all countries in the world, is a kind of solar calendar that people are most familiar with, also known as western calendar, solar calendar and Gregorian calendar. The Gregorian calendar adopts the chronological method, which is calculated from the year when Jesus was born, which is closely related to the prosperity of Christianity. This calendar is saturated with the civilization created by human beings for thousands of years. After learning the essence of the Egyptian calendar, the ancient Romans formulated a more accurate julian calendar during the reign of Julius Caesar. With the expansion of Roman Empire and the spread of Christianity, julian calendar spread all over the world. On March 1st, 1582, Pope Gregory XIII reformed the calendar and decided to adopt the plan of Italian doctor Lirio. In 400 years, the three extra leap years in julian calendar were eliminated, with an average annual length of 5: 49: 12 on 365 days, 26 seconds longer than the return. Although according to this calculation, there will still be an error of one day after about 3000 years, but this accuracy is quite remarkable. This is the origin of the Gregorian calendar we use today, also known as the Gregorian calendar.

　　Due to the influence of Portuguese, Spanish, Dutch, French, British, German, American and other Christian countries in the last 500 years, and because of the relative accuracy of the Gregorian calendar, the calendar method of the year of the AD has been adopted by countries all over the world. As a holiday, New Year’s Day is not comparable to Christmas in the west and Spring Festival in China, but it has become a worldwide holiday because of its secularity and non-religion.

　　Due to the different longitude positions of countries in the world, the time of celebrating New Year’s Day is different in different countries, so the date of New Year’s Day is different. For example, Tonga, an island country in Oceania, is located on the west side of the date line. It is the first place in the world to start a new day, so it is also the first country in the world to celebrate New Year’s Day. Western Samoa, located on the east side of the Japanese date line, is the place where a new day begins at the latest in the world, so it is also the country that celebrates New Year’s Day at the latest in the world. According to the Gregorian calendar, China is the 12th country in the world to start the New Year.

　　At the same time, based on the differences between the southern hemisphere and the northern hemisphere, New Year’s Day in countries in the northern hemisphere happens to be winter, or the wind is cold, or the snow is fluttering, or the winter sun shines brightly … while countries in the southern hemisphere welcome the New Year in summer, and their feelings of celebrating the holidays are very different.

　　
In addition to the above reasons, due to the different cultural traditions of various ethnic groups, the date of New Year’s Day in some countries is not January 1 of the Gregorian calendar. For example, Iran implements the Islamic calendar, and celebrating the New Year means celebrating the arrival of spring. Its season and month are not fixed, usually in the late March of the Gregorian calendar. India starts from October 31st every year as the New Year, which lasts for five days, and the fourth day is New Year’s Day. The traditional Thai New Year’s Songkran Festival (Songkran is a Sanskrit transliteration), also known as the Songkran Festival, is from April 13th to 16th every year in the Gregorian calendar.