In recent years, new energy vehicles have developed rapidly. The picture shows the employees in the assembly workshop of an automobile company in Jinhua City, Zhejiang Province, reporting the cars off the assembly line in an orderly manner. Photo by Hu Xiaofei (People’s Vision)

　　The construction of charging facilities for new energy vehicles is accelerating to help residents travel green. The picture shows a new energy car owner charging in Longxing Lake Park, Baofeng County, Pingdingshan City, Henan Province. Photo by He Wuchang (Xinhua News Agency)

　　On December 14th, insurance association of china issued the Exclusive Terms of Commercial Insurance for New Energy Vehicles (Trial) (hereinafter referred to as the Terms), which consists of the Model Terms of Commercial Insurance for New Energy Vehicles (Trial) and the Model Terms of Accident Insurance for Drivers and Passengers of New Energy Vehicles (Trial). How will the Articles provide more effective and targeted insurance protection for consumers of new energy vehicles? The reporter interviewed the association and relevant experts.

　　What are the highlights of the design of the Terms?

　　— — Diversified insurance scenarios, customized insurance liabilities and humanized insurance protection.

　　"In terms of insurance liability, both for ‘ Sandian ’ The system provides guarantee and comprehensively covers the use scenarios of driving, parking, charging and operation of new energy vehicles; In terms of terms development, it not only considers the current mainstream technical route, but also leaves room for innovation in the new format of the new energy automobile industry. " Wang Yuxiang, member of insurance association of china Party Committee and vice president, introduced that the Clauses cover 4 main risks and 15 additional risks.

　　From the perspective of insurance structure, there are many innovations compared with the current Model Clauses for Commercial Insurance of Motor Vehicles (2020 Edition). Wu Tao, deputy general manager of Ping An Property Insurance, analyzed that the Model Provisions for Commercial Insurance of New Energy Vehicles (Trial) has three main risks and 13 additional risks. The main risks are structurally consistent with the current Model Provisions for Commercial Insurance of Motor Vehicles, and the additional risks have been revised and completed except for the nine additional risks in the current Model Provisions for Commercial Insurance of Motor Vehicles, and the Special Provisions for Value-added Services of Additional New Energy Vehicles have been added. Two additional risks, namely, Additional Hospitalization Allowance Insurance and Additional Medical Expenses Compensation Insurance, in the Model Provisions of Accident Insurance for Drivers and Passengers of New Energy Vehicles (Trial) are consistent with the current provisions.

　　Mao Jiwen, the marketing director of PICC P&C Insurance, believes that the highlights of the Terms are mainly reflected in three aspects: First, the diversification of insurance scenarios, such as the development of "Loss Insurance for Self-use Charging Piles" and "Liability Insurance for Self-use Charging Piles" in combination with the characteristics of new energy vehicles, to focus on solving the risks arising from auxiliary facilities in the application of new technologies; The second is the customization of insurance liability, highlighting the structural characteristics of "three electricity" systems such as battery and energy storage system, motor and drive system of new energy vehicles, and expanding the scope of protection to vehicle-specific use scenarios, such as self-service charging and special vehicle engineering operations; Third, the insurance guarantee is humanized. Combined with the risks in the charging process of new energy vehicles, the Additional External Power Grid Failure Loss Insurance is designed to cover the vehicle losses caused by external power grid transmission and transformation failures and abnormal current and voltage.

　　How to protect the unique losses of new energy vehicles?

　　— — The fire of new energy vehicles and the loss of charging piles are all within the scope of protection.

　　The innovative car scene of new energy vehicles has also derived new risk points. For example, new energy vehicles use power batteries as energy storage devices, and vehicle auxiliary equipment extends to charging facilities. In addition to the traditional traffic accident risk, major accidents such as fire and deflagration of power batteries constitute new risk factors. How to protect the unique accident risks of this kind of new energy vehicles is the focus of consumers’ attention and the focus of previous clause design research.

　　Shen Hua, vice president of China Property & Casualty Insurance, said that the fire and burning of new energy vehicles is not only the insurance liability of "New Energy Vehicle Loss Insurance", but also the insurance coverage of "New Energy Vehicle Third Party Liability Insurance". "At present, the maximum liability limit of auto insurance three-person insurance can reach 10 million yuan. It is suggested that the majority of new energy vehicle owners can choose the appropriate third-party liability limit for insurance according to their own risk protection needs." Shen Hua said.

　　At the same time, Shen Hua suggested that consumers can also choose to insure the "legal holiday limit doubling insurance" on the basis of insuring the auto insurance three risks. During the legal holidays (including weekends), the liability limit of the auto insurance three risks can be doubled, and consumers can get double risk protection only by paying a lower premium.

　　The newly added two additional risks, namely, loss insurance for additional self-use charging piles and liability insurance for additional self-use charging piles, have also attracted much attention. "Additional self-use charging pile loss insurance" provides insurance protection for the loss of charging piles caused by natural disasters, accidents, theft or damage by others; The liability insurance of additional self-use charging piles covers the personal injury or property loss of third parties that may be caused by electric piles.

　　"The Clauses include the loss of charging pile equipment itself and the personal injury or property loss of a third party that may be caused into the insurance liability. This is the first time that the insurance industry has included the off-vehicle equipment into the insurance liability, and it is a bold exploration, important breakthrough and new attempt to provide insurance protection around the consumer car scene." Fu Tianming, vice president of China Life Insurance, said.

　　What changes have been made to the claims process?

　　— — Broaden the security boundary, try our best to avoid claims disputes and continuously upgrade claims services.

　　What is the difference between the claims process of new energy vehicles and traditional motor vehicles?

　　"For consumers, there will be no obvious difference between the claim settlement process and the current Model Provisions on Motor Vehicle Commercial Insurance." Bi Xin, general manager of PICC P&C Claims Department, introduced that claims also showed some new features in view of the risk characteristics and usage characteristics of new energy vehicles.

　　For example, Bi Xin, in addition to including risks such as external power grid failure, charging pile loss and liability into the scope of insurance claims, broadens the protection boundary, and the Terms also explain the expressions of proper terms such as "new energy vehicle", "process of using the insured new energy vehicle" and "battery decay" to avoid disputes over insurance claims caused by different understanding of terms. In addition, the "Terms" continue to upgrade claims services, and comprehensively sort out the risk points, service standards and operational norms that may be involved in claims-related links. "Relying on technology empowerment, we will launch more online, personalized and differentiated new energy exclusive claims service initiatives to better meet the insurance claims service needs of different consumer groups." Bi Xin said.

　　The new energy automobile industry is in the process of rapid development, which poses new challenges to the insurance industry. Experts believe that only by accelerating product innovation, accelerating the accumulation of empirical data, and accelerating the integration with related industries such as automobiles and collecting more industry information can we promote the high-quality development of new energy auto insurance.

Everbright Sunshine Hedge holds Hybrid C for 6 months, which is a medium-risk product with a lock-up period of 6 months.

　　Buying wealth management products through offline banking channels may be misled by wealth management managers; However, online platform to buy wealth management products, although there is no wealth management manager to promote, but it will also be misled. Recently, an investor, Chen Hua (a pseudonym), spoke to reporters and bought wealth management products on the Internet platform. As a result, he bought a high-risk fund for investing in stocks and suffered losses. The reporter’s investigation found that many Internet platforms, such as Alipay, Tencent Licaitong, JD Finance, lufax, etc., all have the chaos of unclear classification, emphasizing marketing and neglecting risk warning. Text: Guangzhou Daily all-media reporter Lin Xiaoli

　　Complaint: Stock funds are mixed with sound financial management products.

　　Chen Hua told reporters that he has always bought wealth management products from Alipay, and all of them are stable products recommended by the homepage. Moreover, because he trusts Alipay, the investment amount is not several thousand yuan, but more than 100,000 yuan. Last month, I bought another 190,000 yuan of wealth management, which was also bought from the wealth management products recommended on the homepage. I bought Everbright Sunshine Hedging’s mixed C for six months, showing that the yield in the past year was 5.0%, which is not very high, so I didn’t expect to lose money.

　　However, when I went in a few days ago, Chen Hua found that there was a loss in the principal. Only then did he find that Everbright Sunshine Hedge held mixed C for six months, which was actually a fund product, and it was also a fund that invested in stocks, a medium-and high-risk field.

　　"Now I have lost 1900 yuan in less than 2 weeks, and I can’t redeem it. I have to wait for 6 months before I can redeem it. I want to buy a wealth management product with stable income, and I don’t want to buy a fund with stocks. Alipay has set up a menu of wealth management products, funds, stocks and other pages, and I have never spent it on the fund and stock pages. However, Alipay has obviously misled the consumption behavior of this fund, and I hope Alipay can compensate me for my losses. " Chen Hua said so.

　　On March 8, the reporter logged into Alipay to check, but did not find the product on the homepage. However, through the search for "Everbright Sunshine Hedges Holding Mixed C for 6 months", it was found that the product was a mixed fund that invested in stocks, and it was a medium-risk product with a lock-up period of 6 months. On that day, it showed that the increase and decrease in the past year was 5.71%. After careful investigation, the reporter found that the fund is a product managed by Everbright Securities, accounting for 60.25% of the shares invested, with heavy positions in Kweichow Moutai, China Zhongmian and Industrial Bank.

　　Coincidentally, the reporter saw similar cases on the black cat complaint platform. Some investors said that in February, they received a recommendation from Everbright Sunshine to hold mixed C wealth management products for six months in Alipay wealth management products, with an annualized interest rate of 6.46%. The product details are the same as other wealth management products. I have been losing money since I bought it. Later, I found out that the product is a stock fund in the fund. The fund product I bought before has a separate fund page, which can be distinguished at a glance. Alipay put it on the regular financial management page and made false propaganda, which led to the wrong purchase and suffered losses.

　　Chaos 1: Unclear classification and inaccurate marking of risk level.

　　According to the reporter’s investigation, besides Alipay, Internet platforms such as Tencent Licaitong, JD Finance and lufax all have various chaos in selling wealth management products.

　　Mr. Huang of Guangzhou told the reporter: "Recently, I talked to my friends about several wealth management products I bought in Ping An Lu Jin, only to know that I actually bought fund products, but I didn’t see the word fund at all when I bought them, and I almost filled in the information incorrectly."

　　On the black cat complaint platform, some users complained last month that Jingdong Finance had unreasonable labels on its deposit products. It is understood that Jingdong Finance puts "Three Gorges Treasure-Yuedeli", a bank time deposit product, in the same category as flexible access products. This user bought "Three Gorges Treasure-Yuedeli" for many times from January to April, 2020, totaling over 110,000 yuan. But in fact, this product is a regular product, so it should not be under the flexible access column. Now, the interest that needs to be deducted is more than 5,000 yuan, and it is fed back to Jingdong Finance. Jingdong Finance has proposed a compensation plan of 50 yuan amount, which the user failed to accept.

　　The reporter’s investigation found that the classification of some platform products is not clear. In the "Steady Financial Management" project of Tencent Licaitong, the reporter saw the hybrid fund products released by several fund companies, with a medium risk level. In Alipay’s "wealth management" project, wealth management products and funds are in the same category; In the wealth management products, there are products such as "money fund" and "bond fund" marked in small red characters. Although money fund and bond fund belong to low-risk products, they actually belong to fund products.

　　In addition, there are also cases where products labeled as "medium and low risk" have plummeted. Some investors told the Guangzhou Daily all-media reporter that the exclusive investment project of the high-end wealth management platform launched on Alipay platform last year was Jiashi Tianli No.1, a subsidiary of harvest fund. According to the propaganda at that time, the accrual benchmark (annualized) of the performance of this fixed-income product was 5%, with medium and low risks, with a starting investment of 310,000 yuan. However, this medium and low-risk product has actually lost money after one year of operation. The net value disclosed at the end of January plummeted by about 10%, and it has not rebounded significantly so far.

　　The reporter learned that harvest fund attributed the net value fluctuation of this product to "the change of asset allocation style in the market" and "the possible large redemption".

　　Chaos 2: Re-marketing and Light Risk Tips

　　In addition, although the online financial platform does not have the oral sales promotion of the financial manager, the propaganda words also tend to be marketing, while diluting the risk warning.

　　The reporter entered a number of financial platforms and found that the fund products were most recommended recently. On the fund sales page, the fund products purchased by 10 yuan abound, which are not only convenient to trade and low in cost, but also ready-made "good base" and "hot base" recommendations, which can be seen at a glance. There are also a variety of concepts to guide investors to "go and see" and "get on the bus immediately", especially the ups and downs up to double digits or even three digits are even more eye-catching, dazzling and ready to move. In fact, the past performance of equity funds does not represent future earnings.

　　"Since the advent of Yu ‘ebao in June 2013, in the past eight years, the Internet financial platform represented by Alipay has gradually optimized the user experience and cultivated users’ investment and financial management habits. A group of post-90 s and post-00 s have gradually grown up. The Internet has become an important consignment channel for investment products such as funds and old-age security, and its sales share has also increased year by year. The convenient experience has made many investors accustomed to buying investment products on these platforms." Yin Yanmin, an analyst at Rong 360 Big Data Research Institute, said that it is precisely the marketing activities such as the platform’s continuous optimization of the buying experience and the nesting of small red envelopes that make many investors unconsciously purchase investment and wealth management products with the process, but they are not used to reading specific product information such as product specifications and risk specifications, which will lead to the mismatch between investors’ risk tolerance and product risks. When they lose money, users feel cheated.

　　Yin Yanmin pointed out that for platform compliance management, investors should not blindly pursue sales and use smooth operation processes to make investors ignore product risks, and make enough risk warnings for high-risk products.

　　Reminder: There is no "guaranteed financial management"

　　A senior person in bank financing told reporters that at present, bank financing accelerates the transformation of net worth and breaks the rigid redemption. Bank financing can no longer claim to be "guaranteed". Similarly, the wealth management products of the Internet financing platform are not completely guaranteed. It is worth mentioning that, due to the new regulations issued by the regulatory authorities in January, commercial banks are not allowed to carry out time deposits and fixed deposit and convenient deposit business through non-self-operated network platforms. At present, the most secure deposit products have been removed from the shelves of Alipay, JD Finance, lufax and other platforms. "Investors should raise their risk awareness." The person stressed.

　　Feng Yun, a partner of Guangdong Green Law Firm, suggested that investors should fully understand the premise that investment is risky, truthfully complete the platform risk assessment, and correctly understand their own risk tolerance. When investing, you should read the relevant information carefully instead of skipping the direct signature.

"I feel lucky to be here. I was a few seconds late to sign up at that time, and I’m afraid the quota will be gone …"

　Last weekend, 50 students went all out to complete the two-day "Devil Training Camp" in the Sports Park of Tihui+Hongguan, Minhang District, which was called "Shanghai Rugby Resort" by many rugby fans. Wang Peihao, a 25-year-old Shanghai boy, was one of them.

After successfully concluding the camp, Xiao Wang said that he was not only lucky, but also more rewarding. "What I learned here will be brought to my friends so that everyone can better participate in the flag football."

This flag football training camp named "Apple Seed Project" actually has a lot to offer-as one of the "stepping stones" for nfl professional football leagues to enter China, it has a history of 19 years. From inviting students to "play" for free at first, it is hard to get a ticket now. It can be said that with the new development opportunities of flag football in China, this "seed" finally reveals new green and is expected to blossom and bear fruit.

Set the alarm clock to grab tickets for "devil training camp"

It is no exaggeration to call it a "devil training camp".

Since its birth in that year, the nfl flag Apple Seed Program has been aimed at cultivating excellent waist flag football coaches and referees nationwide, so even though the training camp last weekend was only "entry-level", both the teaching content and requirements were very strict-from the most basic ball-taking action to the specifications of different positions such as quarterback, center, running forward and receiver; From the detailed explanation of posture, to the tactical arrangement of the game, the norms and rhythm of the referee’s penalty … The two-day training camp, from morning till night, with the record high temperature in Shencheng, can be said to have drained all the energy of the students. "Our clothes have almost never been done!" A student said with a smile.

　 　It’s hard to imagine that such a hard "trial" has been robbed of places. Wang Peihao told reporters, "When I saw the news of the opening of the camp, my first reaction was to judge that the number of places would definitely be’ second light’, so I set the alarm clock one week in advance. As expected, several of my friends were more than 20 seconds late in signing up, so I couldn’t report it!"

　 　It is understood that the training camp has already made four stops in other cities across the country, namely Guangzhou, Hangzhou, Xi ‘an and Chengdu. The registration fee of 2680 yuan, almost all places are "second light". Asked why they signed up, several students said this sentence-"Now the flag football is on the wind!"

What is the "window" of flag football?

　"I am happy to see so many people like flag football!" No one feels more deeply about the "tuyere" in the students’ mouths than Zhou Xiaohua.

　For two days, 43-year-old Zhou Xiaohua dragged his cold body, ran back and demonstrated his movements in the scorching sun, and kept shouting at the top of his voice. In the end, he almost lost his voice.

　As the head coach of the training camp, Lao Zhou is actually the "senior brother" of all the students-NFL China organized and held the "Apple Seed Program" training camp in Beijing, Shanghai and Guangzhou for the first time in 2003, and it was through this that Zhou Xiaohua, who was studying at Shanghai Institute of Physical Education, first came into contact with the waist flag football project. At that time, Zhou Xiaohua was deeply attracted by this sport and began to devote himself to it. Later, nfl China organized junior high school flag football leagues and college students’ flag football leagues in China. He was the "leader" among them, just as Lao Zhou said, "We are the first generation of flag football players in China".

　In Lao Zhou’s view, these students are now in a completely different state of mind from when he participated in the training camp. "We were just curious and interested in that year, and most of the contact with flag football was passive and tentative. But now these students, all with clear goals, are eager to embrace the flag football … "Lao Zhou couldn’t help feeling," The mass base of the flag football now is beyond our imagination. "

　This can be seen from the composition of the participants in the training camp. It is understood that most of the students are in charge of the flag football community. At present, there are a large number of such communities in major cities, gathering a large number of flag football fans. These communities organize group members to participate in offline training and competitions every week. This has formed a stable circle. Even if the sport itself is not mentioned, it is only regarded as a fashionable social activity to gain a sense of belonging, and it is still attractive to young people. However, it is an indisputable fact that qualified coaches are the core of a community, which is also the purpose of these group owners to participate in the training camp. "I hope to convey the correct training methods, rules and competition system to the fans of flag football, otherwise it will be a misunderstanding." A "group master student" said.

In addition, there are some coaches from sports training institutions among the students. Driven by the market, they are also trying to transform, hoping to carry out sports training business with more "money". A student told the author with confidence that the coach resources of waist flag football are in short supply in Shanghai at present. "Many institutions, including some league construction companies, are looking for coaches, but in fact, the number of people with teaching qualifications and teaching ability is very limited."

In addition, there are school teachers and college students-teachers can create interest courses around flag football when they return to school through professional training; College students can form a flag football club.

Where people chase, there is a market. If there is a market, there will be more people chasing it. All this is an intuitive embodiment of the "window".

Take a step ahead and lead the country.

　 　Indeed, the flag football has given people a feeling in the past two years: it has changed from unfamiliar to familiar, too fast. Few people know that nfl China and a group of rugby players have silently nurtured it for nearly 20 years.

　 　This is not difficult to explain: in the increasingly international metropolis, the change of contemporary young people’s life concept and the in-depth implementation of the national strategy of national fitness have provided fertile growth soil for this sport. With the help of social platforms such as Little Red Book, it can gain traffic in a short time and become a new online celebrity movement.

　 　But after all, social platforms can only be used as a pusher, but they can’t be a real grasper of a sport. In the face of the rapid growth of novice players, whether waist flag rugby can grasp the rare historical opportunity depends on whether a series of real problems can be solved-whether there is a stable sports venue, and then a benchmark "rugby resort" is born, making this sport one of the city’s business cards; Whether it is possible to build a brand that is both public-oriented and professional, and finally move towards commercial operation; Whether there are enough qualified coaches and referees to meet the needs of fans from "white" to "specialization" …

　 In Shanghai, the city with the earliest rugby acceptance and the strongest rugby atmosphere in China, a group of professionals and people with lofty ideals have been laid out. They are not only one step ahead of schedule, but also hope to lead the country.

　 It is understood that the nfl flag Apple Seed Program was jointly sponsored by Shanghai Rugby Association and nfl China. They gathered a group of "old wizards" who love rugby and are willing to contribute, and "toured the country" for the purpose of promotion rather than profit, providing the most professional training courses to the public. They also publicize through grounded channels such as new media and communities to expand their influence. It can be said that at present, the training system of waist flag rugby talents in Shanghai has been initially formed.

　 What’s more worth mentioning is that the venue of the "Apple Seed Project" training camp in Shanghai, Tihui+,has reached a long-term cooperation intention with the Shanghai Rugby Association. They hope to make use of their own venue resources and the advantages of a comprehensive service platform to build a "rugby resort" in Shanghai in the future. "From the data of venue reservation, we found that Shanghai residents are very keen on the new sports with multiple attributes such as fitness, leisure, entertainment, social interaction, etc. It is our main goal at this stage to make every effort to build an urban sports center that meets the fitness needs of ordinary people. The strategic layout of cooperation with Shanghai Rugby Association also fits the corporate brand mission of’ healthy life and happy friends’." The relevant person in charge of "Body Exchange+"said.

　 　The author also learned that Hongqiao Town, Minhang District also plans to focus on flag football, gather regional characteristics, guide and support social forces such as sports social organizations, and create brand events that the people love. "Sports Hongqiao" is a business card of the regional party building in Hongqiao Town. Guided by the party building, it actively meets the spiritual needs of enterprises and the masses, gives full play to the innovative advantages of the grassroots party building mechanism, and adopts a brand-new competition mode of "government building, enterprises singing opera and the whole people participating", which has been widely recognized by the citizens in recent years and has produced a wide range of social influence.

　 　The flag-waist rugby has become a candidate event for the 2028 Los Angeles Olympic Games through social media pictures and videos. However, it is undeniable that this sport is still a very minority sport. What he needs most now is a real, healthy and sustainable environment. The rugby people in Shanghai are also going all out on this right road.

Editor-in-Chief: Chen Hua

Author: Yao Qinyi

　　Finance is the blood of the national economy and an important part of the country’s core competitiveness. The central financial work conference held recently pointed out that high-quality development is the primary task of building a socialist modern country in an all-round way, and finance should provide high-quality services for economic and social development. Efforts should be made to create a good monetary and financial environment and effectively strengthen quality financial services for major strategies, key areas and weak links.

　　Since the beginning of this year, China’s monetary policy has always remained stable, continued to stabilize its monetary and credit support for the real economy, made forward-looking overall consideration of cross-cyclical policy objectives, given consideration to short-term and long-term, economic growth and price stability, internal equilibrium and external equilibrium, strengthened countercyclical adjustment, actively responded to the disturbance of unexpected factors, effectively supported and stabilized the macro-economic market, and created a good monetary and financial environment for economic recovery.

　　However, it must also be noted that the current international political and economic situation is complex and severe, the cumulative effect of rapid interest rate hikes in developed economies continues to appear, the momentum of global economic recovery is weakened, and domestic economic operation is facing challenges such as insufficient demand, difficulties in some enterprises, and many hidden risks in key areas. At the same time, we should be soberly aware that various contradictions and problems in the financial field are intertwined and affect each other, there are still many hidden dangers in economic and financial risks, and the quality and efficiency of financial services to the real economy are not high. The central financial work conference has pointed out the direction and path for finance to continuously promote the continuous improvement of economic operation and better serve high-quality development.

　　To faithfully implement the deployment requirements of the Central Financial Work Conference, we must profoundly grasp the political and people-oriented nature of financial work, accelerate the construction of a financial power, promote high-quality financial development, continue to implement a sound monetary policy, strive to create a good monetary and financial environment, and continuously improve the quality and efficiency of financial services to the real economy.

　　Efforts should be made to create a good monetary and financial environment, and the general gate should be well controlled. This year, the People’s Bank of China lowered the RRR twice at key points, facilitated the medium-term lending to be over-extended every month, put in liquidity in time to support the smooth issuance of government bonds, promoted the smooth operation of market interest rates around the operating interest rate in the open market, maintained the double-digit growth rate of loans from last year’s high base, effectively realized the steady growth of money and credit and the gradual positive feedback of the demand of the real economy, helped to achieve a good economic start in the first quarter, stabilized the recovery momentum in the second quarter, and significantly exceeded market expectations in the third quarter. In the next step, we should keep the growth of the total amount of money, credit and financing reasonable and steady, and keep the liquidity reasonable and abundant. We should consider "keeping the growth rate of money supply and social financing basically match the nominal economic growth rate" for a longer period of time across cycles, and further make cross-cycle and counter-cycle adjustments.

　　Efforts should be made to create a good monetary and financial environment and strengthen structural adjustment. The Central Financial Work Conference emphasized the optimization of the capital supply structure. Since the beginning of this year, six maturity instruments have been implemented continuously. At present, there are more than ten structural instruments with a balance of 7 trillion yuan. In view of the more prominent structural contradictions in economic operation, structural monetary policy tools have been effective continuously, further promoting the willingness and ability of financial institutions to provide financial services in specific fields, effectively stimulating the economic vitality of inclusive finance and manufacturing enterprises, and accelerating the development of new kinetic energy such as green, low carbon and technological innovation. Next, structural monetary policy tools should focus on key points, be reasonable and appropriate, make progress and retreat, guide more financial resources for scientific and technological innovation, advanced manufacturing, green development, small and medium-sized enterprises and major national strategies, and accelerate the cultivation of new kinetic energy and new advantages.

　　着力营造良好的货币金融环境，要注重提效率。中央金融工作会议提出，盘活被低效占用的金融资源，提高资金使用效率。今年以来，房地产金融政策的及时优化，支持房地产行业合理融资需求，配合地方政府债务重组，盘活存量贷款支持高质量发展。今后，一方面要继续坚持按照市场化法治化原则引导金融机构信贷投放，充分满足实体经济有效融资需求；另一方面还要坚持系统思维，协同发挥政策合力疏通货币政策传导效率。要加强货币与财政、产业、监管等政策协调配合，强化沟通联动，引导和稳定市场预期，共同维护经济金融大局稳定。

　　金融发展关系中国式现代化建设全局，金融强国的宏伟目标催人奋进。新征程上，深入学习贯彻习近平总书记在中央金融工作会议上的重要讲话精神和党中央决策部署，着力做好当前金融领域重点工作，加大政策实施和工作推进力度，就一定能以新气象新作为推进金融高质量发展取得新成效，为强国建设、民族复兴伟业作出新的更大贡献。

Original title: Mito: Miss Sister with such a perfect figure, wearing tight pants to show off, so enviable!

Meitu: It’s so enviable for a young lady with such a perfect figure to show off in tights!

Tight-fitting leggings are worn without tension and will not be too obscure. The style also has a little British flavor and adds a touch of agility. The fashionable and versatile leggings have a good wrapping and give people a sense of youthful vitality. Suitable fabric is soft and smooth, full of youthful vitality, which makes beautiful women love it. Wearing a new fashion height has a particularly good upper body effect and a strong sense of fashion.

Beautiful girls wear tights, which shows their youthful vitality. They feel very high and outline a perfect figure. They can not only stretch the leg lines, but also bring a very warm visual experience. Wearing tights is more attractive and diverse in sports. The fashionable edge and hem design of the hem is the perfect way to modify the leg shape and pants. The layout of the line is very beautiful, forming a strong gas field and urban style.

The aesthetic feeling of wearing tights makes the original simple style instantly enhance the sense of fashion, and sets off the fashionable and beautiful leg lines. The details of the middle waist are neat, the stitches are neat and meticulous, and the details make the fashion more refined. The leggings are modern and elegant, which can shape the slender legs. Moreover, the overall clothes look elegant, which not only looks retro and fashionable, but also brings you different aesthetic feelings.

It is a popular style to show the beauty in details and show elegance. Beautiful women can show their figure curves better, and they can wear different styles at will. Tight leggings with the flavor of the times highlight the slender legs. The high-quality knitted fabric is elastic and has a very stylish atmosphere. The pants look good and show the slender legs well.

Tight leggings are fashionable, which not only enhances the overall sense of fashion, but also has a very beautiful personality, which perfectly outlines the figure curve. When worn on the body, they can show the perfect leg shape, and they are easy to wear, and they also give people a pure and beautiful feeling. Wearing a personalized urban fashion style is also the best interpretation of street style. The hem and mouth of pants are woven with jacquard weave, which is both capable and tender, which makes women feel excited.

Tight-fitting leggings perfectly present women’s exquisite figure, slim and slim, which is very fashionable and versatile, and easily creates feminine temperament. Slim-fitting cutting can well show women’s posture, making it a favorite place for anyone to wear. This trend shows slim waist and stretches the overall body shape, which has become a unique fashion style and is very slim.

Editor in charge:

　　On the outskirts of London on Christmas Eve, a little girl bought a greeting card in Tesco. When she opened the inside of the card, she suddenly found a distress message written on the cardboard, to the effect that:

　　We are foreign prisoners in Qingpu Prison in China. We are forced to work. Please help us and contact a man named Peter Humphrey.

　　▲ Note content

　　Coincidentally, the little girl’s father contacted this Englishman named Humphrey on the Internet. He was once held by the China government and happened to be in Qingpu Prison. More coincidentally, Han Feilong immediately wrote a long article and published it in the Sunday Times.　

　　Christmas, human rights, China, prison … … Seeing these keywords, the western media began to speculate wildly.

　　But the reality is always better than the movie. Under the coincidence again and again, Tan found that things are not that simple. There are countless strange things about this "blockbuster".

　　Listen to the news and believe in it.

　　Real and objective? inexistent

　　Let’s take a look at the title of the Sunday Times, which was first reported:

　　Tesco greeting card "wrapped by slaves in China prison"

　　The Sunday Times uses the word slaves in its title to refer to criminals in prison, rather than the words commonly used to refer to criminals such as offender, culprit and prisoner. The Sunday Times was anxious to label China as a "slave to criminals" before it was clear what happened.

　　Let’s look at the so-called truth written by this Han Feilong. In this long article, Han Feilong used a large number of sentences such as "I consider" (I think) and "I know" (I know) to express subjective position and subjective guess. But what the facts are, and whether there is evidence to support them, he hardly mentioned it.

　　"I don’t know the identity and nationality of the prisoners who slipped this note into Tesco greeting cards, but I’m sure they are prisoners in Qingpu and knew me before I was released."

　　In the Sunday Times, he explained how to determine that this card came from China prison, and said that he didn’t know the identity of the prisoner. But in a subsequent BBC interview, Humphrey changed his mind:

　　I think I know who he is.

　　▲BBC report screenshot

　　So inconsistent and contradictory, I wonder whether what Han Feilong said is the truth or his "imaginary fact"? And how are the western media reporting these unverified subjective information responsible for the truth of their news?

　　Wang Xuan and Chen Minglei, CCTV reporters in the UK, checked the western media reports on this matter for the first time. They found that there was a great balance problem in the western media reports on this matter:

　　"At present, the biggest problem with these reports is to win the trust unilaterally, and basically only interview unfavorable voices."

　　Wang Xuan found that in the whole report, there was no interview with any institution or relevant person in China.

　　Tan Zhu interviewed Li Qiang, director of Qingpu Prison in Shanghai:

　　"This batch of greeting cards is absolutely impossible to flow from us. This imagination is a bit rich, but it runs counter to our transformation. (Reform) is to cultivate criminals’ skills. First, (criminals) are voluntary; Second, his project is based on his own characteristics. He wants to apply and we will give him a job if he wants to take part in it. Third, according to his labor situation, we have a reasonable proportion and give him a certain amount of labor remuneration. "

　　At the same time, the CCTV reporter station in Britain also contacted the other party to the incident — — Tesco selling greeting cards. Tesco, for its part, has held discussions with the factory in China, which makes greeting cards, and launched an investigation, during which the cooperation with the factory in China will be suspended. Its written statement also provides a very important message:

　　"We have a comprehensive audit system. Just last month, this supplier was audited independently. There is no evidence that they violated our regulations prohibiting the use of prison workers."

　　This should be a reliable factual basis in the whole incident. Why? Wang Xuan analyzed:

　　1. The investigation time was just last month.

　　2. The target of the survey is the factory in China that supplies greeting cards to Tesco.

　　3. As a third-party organization, the investigation agency is impartial and professional.

　　In the face of professional third-party survey results, how did these western media respond? Let’s take a look at the picture below:

　　▲ Report screenshot: "But this incident highlights the difficulty of monitoring the production of cheap goods in China. Subcontracting is very common in China, and the use of forced labor is often difficult to detect. "

　　Any clarification from Tesco, followed by a "BUT", is said to be that the company audit has no way of knowing what happened in China’s prison system, so it is useless to explain it.

　　Obviously, the independent audit results show that "there is no evidence that they have violated our regulations prohibiting the use of prison workers", but the western media turned a blind eye and just exaggerated in the title that Tesco stopped its cooperation with China enterprises.

　　This is equivalent to falling into a logical cycle: only use evidence that is beneficial to your own point of view, even if the source of the evidence itself is suspicious. In this closed cycle of "the answer has already been predetermined", the voice from the other side seems to have been pressed the "mute" key anyway.

　　Thus, from the choice of words to the selective amplification and neglect of facts, some western media have hacked China in order to hack China, and they may not care about the truth.

　　Catch the wind and catch the shadows is everyday.

　　It is a common practice of some western media to attack the country of origin with a "distress letter" with unknown source and unverifiable authenticity.

　　In 2017, Reuters revealed that a female consumer in Braintree, Essex, England, bought a Christmas charity card in a department store, which contained a China bill, which read "Good luck and happiness" and signed "The Third Product Store of Guangzhou Sixth District Prison". But when it comes to evidence collection, the staff responsible for investigation and verification can only say:

　　"We can’t verify the authenticity of the banknotes."

　　Even if the authenticity is in doubt, the above events are still widely reported by western media.

　　This time, too.

　　The author of this report, Han Feilong, accepted an interview with BBC on December 22nd. When answering a reporter’s question, he used a lot of subjective, arbitrary or vague words:

　　I’ M pretty sure; Obviously (obviously); I think I know … …

　　The western media, which have always flaunted their news attitude by pursuing truth, objectivity and fairness, seem to be suffering from amnesia collectively this time, and they have no time to verify the truth and no one to investigate, so they hastily launched a "public opinion offensive".

　　Remember the "39-person container truck" incident more than a month ago? At that time, the British police only guessed that the victims might be from China based on a few fake passports, which was a terrible thing. When it was reported to the BBC, the "possibility" had become "confirmation" and "yes", and other western media reprinted it one after another, and then to CNN, it became "China just celebrated its great achievements and progress in 70 years. How could anyone leave China in such an extreme way" — — But in the end, the victims were confirmed to be Vietnamese, which made them embarrassed. (Poke the link and review the article "CNN people have thought about the answer before asking cold-blooded questions")

　　It is a familiar bridge and a familiar routine — — "Maybe", "Maybe" and "I think I know", but I can’t prove it. Western media still refuse to take off their colored glasses.

　　No wonder Wang Xuan said that during her years in Britain, she and her colleagues were all familiar with this routine.

　　The rhythm is brought up, where is the moral integrity?

　　Anti-China business is also a routine.

　　The "exclusive" report on the "Christmas card" incident in the Sunday Times was written by Han Feilong. Another article by Han Feilong describing how he spent another Christmas in China prison and an "expert" interpretation were published together.

　　In the article, he repeatedly mentioned his identity as a journalist and said that he was imprisoned for "angering the China government".

　　Yes, he was a reporter in Reuters. But not when he was arrested in China.

　　In 2013, Han Feilong was imprisoned in China for illegally obtaining citizens’ personal information. His business in China is ostensibly a consulting company, but in essence a commercial private detective. Being a journalist has nothing to do with his arrest.

　　Then why mention your identity as a reporter at this time?

　　Of course, he knows very well that this is in line with the smear routine that the western media has always demonized China. They are familiar with this routine. If you give a little hint, readers will make up their own brains.

　　"Reporter+angering the government" gives readers unlimited imagination.

　　This man is not simple.

　　Just yesterday, Foreign Ministry spokeswoman Geng Shuang commented on this man at a press conference:

　　"Mr. Han Feilong is always unable to bear loneliness. From time to time, he has to jump out of my hype for fear that people will forget him. But the farce he made up this time is really a bit old-fashioned. I advise him that if he wants to catch his eye, at least he will come up with some new tricks. "

　　Why does Humphrey always jump up and down?　

　　▲ Personal introduction of Han Feilong LinkedIn

　　In his personal introduction on LinkedIn, Han Feilong called himself "China Veteran" and "Political Commentator", and described his two-year detention in Qingpu police for violating the law.

　　So, what "good things" did he do in China?

　　Help others!

　　In July 2013, Humphrey’s former employer — — GlaxoSmithKline, a pharmaceutical giant, was fined RMB 3 billion by the China government for bribery. After being fined, the company "hired" Humphrey to investigate and report the bribery of China employees.

　　The hired Humphrey used some illegal means to obtain the personal information of the employee; However, it soon became public that Han Feilong was sentenced to two years’ imprisonment for the crime of illegally obtaining citizens’ information, and he was in Qingpu Prison in Shanghai.

　　For Han Feilong, Li Qiang, director of Shanghai Qingpu Prison, recalled:

　　"Han Feilong served his sentence in our prison. As far as I know, the time is not very long. While serving his sentence, he was not a very outstanding one. You have opinions on the case, you can appeal to the court and sue, and these rights are all open to us. However, I have read his entire prison record, and he seems to have no such situation. "

　　Two years later, Han Feilong returned to Britain, but he spread his dissatisfaction with the Chinese court trial everywhere. However, his experience of committing crimes and being imprisoned in China was not regarded as a stain on his life, but became a "precious wealth".

　　In the following years, he published articles in major western media for a long time, peddling his life experience in China prison, attacking China on various China-related issues, and earning a lot of royalties and manuscript fees.

　　It is reported that Han Feilong is looking for a publisher to publish a 1,000-page book about his detention by the Shanghai police, claiming that this incident has "international influence".

　　The doubts began to come to the bottom: why did the small note contact Han Feilong by name, why did it happen that the Christmas card was made by "Qingpu Prison in Shanghai", and why Han Feilong’s response was vague … …

　　The probability of coincidence after coincidence is extremely low, unless someone deliberately creates, directs or uses it.

　　Among them, some people are guilty and others are making profits. "Anti-China" has become an important tool for some people in the West to seek money or political interests.

Message from the article:

Hey, friends, today I want to share with you a magnificent historical story, a legend that happened at the end of the Qing Dynasty. This is a story about railways, financial difficulties, business decisions and the fate of the country. Perhaps in this story, you can feel the vicissitudes of time, people’s exploration of the future, and the unique social features of that era. Without further ado, let’s travel through time and listen to that stirring history.

Event content:

The story happened in 1911, at the end of the Qing Dynasty, when I was in Xuantong for three years, on the tenth day of the fourth lunar month.

In the face of financial difficulties, the Qing Dynasty carried out an initiative called "Railway State-owned Policy". The core content of this policy is to recover the right to build trunk railways, only allow private companies to build branch railways, and cancel the approved trunk railway construction plan, and make corresponding compensation and redemption.

Behind the implementation of this policy is the urgent need of the Qing government’s own financial pressure. The construction of the railway required huge capital investment, and the Qing government was faced with the problem of foreign debt and had to pay huge compensation. Under such circumstances, the government tried to introduce financial support from foreign banks through the mode of "official supervision and commercial operation", but it encountered unfavorable loan conditions, which made the financial difficulties more and more severe.

However, people’s doubts about the future of the railway have also become the problem. In 1903, the Qing government promulgated the Concise Regulations of Railways, trying to introduce private capital and set up private railway companies. However, these companies are facing enormous challenges, including high construction costs, financing difficulties and slow profit returns.

Take the Beijing-Zhangjia Railway and the Beijing-Hanzhou Railway as examples, their construction cost a huge amount of money, which brought heavy financial pressure to the Qing government. The government tried to solve the financial problem by borrowing from foreign banks, but it encountered unfavorable conditions, which made the financial difficulties more and more serious.

At the same time, despite the promulgation of "Concise Regulations on Railways" to try to introduce private capital, this attempt has not achieved remarkable results due to the uncertainty of the people about the railway prospects.

In the face of difficulties, private railway companies have also fallen into a series of problems. For example, the scale of investment in sunning railway is huge and it is difficult to raise funds. The profit return of railway construction is relatively slow, and some railways even lose money because of insufficient passenger and cargo. At the same time, some companies only consider making money in line planning, ignoring political and strategic factors, which leads to some unscientific planning, such as the loss of Zhangxia Railway.

In Sichuan, the "road protection movement" has become another difficult problem. Because Sichuan is closed and conservative, and its understanding of railways is vague, Chuanhan Railway Company is facing various problems and "stock leasing" arrangements in this area. This series of difficulties makes private railway companies fall into a difficult situation.

The plight of Sichuan-Han Railway Company became more and more serious, and it was finally forced to reform, transform into a business-run model and introduce private capital. The company’s share capital increased to 22 million, however, this did not solve the problem. The imperial court implemented the policy of "state-owned railway" and determined that the share capital of Chuanhan Railway Company could only be calculated according to 8 million taels.

This decision caused dissatisfaction and controversy among major shareholders.

The major shareholders tried to put the blame on the court through public opinion operation, and played up patriotism. The "Railway Protection Movement" and Wuchang Uprising broke out in Sichuan, which became the climax of the whole incident. In the end, the Qing Dynasty perished. However, the policy of "state-owned railways" did not end, but developed into an opportunity for China’s powerful railway network.

The whole summary:

Through this historical story, we have witnessed the rise and fall of an era. At the end of the Qing Dynasty, faced with financial difficulties, the government tried various ways to solve the problem of railway construction funds, including the mode of "official supervision and commercial operation" and the introduction of private capital.

However, these attempts are faced with great difficulties, which leads to the delay of railway construction.

Private railway companies have been established, but they are faced with a series of challenges, such as insufficient funds, difficult profit return and route planning problems. The reform of Chuanhan Railway Company failed to reverse the predicament, which eventually led to the demise of the Qing Dynasty. However, the policy of "state-owned railway" continued to develop after its demise, which became an opportunity for railway construction in China.

The whole incident reflected the complicated social contradictions and the intertwined political and economic relations at that time. Financial difficulties, the introduction of private capital and the challenge of railway construction all affect the fate of the whole country.

"The degree of protection for women and children is a true reflection of the degree of social civilization. The protection of vulnerable groups is our bottom line protection. "

Just past Women’s Day, people lamented that the social atmosphere seems to have really changed. There is less marketing to write money on the face, more discussion on the current situation of gender issues, and an appeal to face up to women’s needs. But is that enough?

We collected labels and events in various hot search lists in the past. Employment discrimination, marriage and childbearing, women’s safety, cyber violence, domestic violence cases, gender culture, sex education and the sale of women and children, with these eight topics and public events, interviewed Chen Bi.

Chen Bi has been involved in public writing for a long time, writing articles in various media columns to popularize the law. The topics she talked about covered almost all the above aspects.

Her editor called her "Huang Yaoshi of the Legal Group"-she seldom explained complicated jurisprudence and hardly showed off technical terms, but was good at using a line, covering cases from ancient times to modern times.

The following are related topics in eight fields, and our dialogue with Chen Bi.

I hope these specific weapons can help you protect your freedom in all aspects of life. I hope this weapon will be seen by more women and learn to use it.

Discrimination in employment

new weekly : A hot search like # Female Sex Discrimination in Job Hunting: HR Questioning Marriage Situation # seems to appear once every three to five times. Do you feel that the laws and regulations protecting the rights and interests of female workers have not been fully implemented by enterprises? Some people even say that "sensory impairment is greater than help." What should individuals do if they encounter gender discrimination in interviews and employment?

Chen Bi ：When you join the company, you are asked whether you are married, how many children you have, and whether you plan to have two children. This is to protect its free economy. The law gives you these freedoms, and the enterprise must provide these marriage leave and maternity leave, and it will evaluate them.

Looking at actual cases, we can say some ways to avoid hidden discrimination. We may not be able to refuse to answer questions like academic qualifications and professional qualifications when we take office. However, the problem of marriage and childbearing is ok, because it does not involve the professional requirements of employment. The potential risk is that if you say "I don’t answer", you may be rejected inexplicably.

In many judicial cases, the law has been given to women.The right to "talk nonsense"You can say I’m not married, I’m not going to have two children,You can choose the answer that is favorable to you. Even if it doesn’t conform to your real thoughts, (The law supports you. This is not a violation of your obligation, because he has no right to know this information.

What should we do if the company requires in the agreement that we can’t have children within a few years of joining the company? In fact, female workers can sign,You don’t have to implement it after signing it, because it is an invalid clause.In the future, it will not bind you, but will protect you. Just defend the rights of workers.

The Labor Contract Law also clearly states that if an employer excludes his legal obligations or restricts the legal rights of the other party, these clauses are invalid.

Implicit discrimination in the workplace is difficult to eliminate in three to five years, and we can’t wait until we are completely equal before looking for a job. Therefore, I hope that young women will know how to use the law to protect themselves when looking for a job. I can refuse to answer, saying that the answer that is beneficial to me is also a choice. It is difficult to change the status quo immediately, but it is possible to make the status quo beneficial to us.

new weekly Protecting the weak and protecting capital(market freedom) seems to be a long-standing contradiction. How should it be changed? What tools can help eliminate discrimination?

Chen Bi ：This topic is quite valuable. It was discussed 10 years ago.

Personally, I think that capital freedom, market freedom, free economy and the protection of workers and the weak are actually interlinked at the bottom. Capital and market should be free, and the underlying logic should be based on respect for people. Only by stimulating people’s subjectivity can there be a free economy. This is also the basic idea of Hayek.

When we talk about protecting female workers, we are also protecting people and respecting their freedom and rights.

Why is there such a thing now?Separation and opposition? In fact, both sides are misunderstood.Free economy is hurt, not because of over-protection of workers, but because the law does not fully protect the subject of rights..

For enterprises, their property rights are not fully protected. Workers also feel as if they have been exploited, indicating that their basic rights are not fully protected.The bottom line should be found between the two, and it is far from this stage..

Enterprises and workers should work together to find a legal framework, so that our rights can be basically protected, and then see how to coordinate.

About marriage and childbirth

new weekly ：In 2019, there was a discussion. Women in Quanzhou were fined more than 90,000 social support fees for giving birth out of wedlock. Now that marriage and childbirth are untied, has their situation changed?

Chen Bi ：In the past, it was illegal to give birth beyond the planned target. At that time, it was generally believed that unplanned children would consume social resources (such as education, etc.).Therefore, the administrative organ should levy a social support fee.. After Zhang Yimou’s super-life, he paid a huge social support fee.

After the policy of encouraging three children came out, if it has been decided to collect social support and has been implemented, it will be maintained; A decision on expropriation has been made, but if it has not been implemented, it will not be implemented; If no measures have been taken, they will not be collected and will not be treated.

new weekly ：What other areas need to be supplemented and improved in the laws and regulations on unmarried childbearing?

Chen Bi ：In some places, there may be cases where the collection has been decided but has not been implemented, or during the enforcement period, the parties concerned are listed as untrustworthy. Because the efficiency varies from place to place, we may not have time to sort out all this part.

In fact, in the past two years, the Supreme People’s Procuratorate has also been inspecting and supervising all localities to sort out such unfinished cases.Remove people from the untrustworthy list as soon as possible.. Some cases don’t need to be executed, and the parties don’t have to appeal anymore.

new weekly ：At what level is it a good thing to legalize unmarried births?

Chen Bi ：There is no pre-relationship between birth and marriage registration. In the past, you had to register your marriage first, and then you had to register your birth, so that you could get an account and enjoy preferential policies such as maternity insurance and tax reduction.

Now that there are no preconditions for childbirth, there may be more family forms.Women have more autonomy.. Originally, in order to have children, you had to get married. Now you have the right to separate, not that everyone does it, but at least some people have a choice.

About women’s safety

new weekly ：In recent years, many people have paid attention to women’s safety issues such as marital rape, sexual assault by acquaintances, sexual assault by taking advantage of their position and sexual harassment in the workplace. What should be improved in our legal practice at present?

Chen Bi ：We have confirmed that sexual assault and harassment have not fully met the requirements of international conventions against discrimination against women.Women’s disagreement also needs to be manifested through physical resistance and evidence chain..

Let me give you an example. If you have forced sex with the opposite sex and later say that he raped you, according to our current proof logic, you should look abnormal at that time. You have many opportunities to call for help and call the police. Why not?If the victim didn’t do these things, she might get unfavorable results..

For example, I took a man’s arm and went into the hotel together. We talked and laughed and slept all night. I saw him off the next morning, but I didn’t report it later. On the third day, I called the police and said that he forced me.

But from the perspective of women, we will know the hesitation and fear of women at that time. She may be afraid to act rashly because of the high position of the other party; Maybe I was scared at that time, and after discussing it with my husband and girlfriends afterwards, I thought I should expose it. However, the current law is not designed from this perspective.

Some women think, why should I find so much evidence to prove that I disagree?

From the old proof standard-you have to resist fiercely, otherwise it doesn’t mean you disagree; Develop to the second level-reasonable resistance; Then develop to the third level-"no is no"; Finally, there is the fourth level, that is, more respect for women’s "Yes means yes", and women have to say "yes" to express their consent, so that sexual behavior can proceed. This is the development of women’s sexual autonomy.

archaicThe crime of rape initially protects social order.. Later, it changed greatly in meaning, from"Protecting the ownership order" has changed into "ensuring that women are not vassals of anyone"The crime of rape really violates the individual’s sexual autonomy, that is, the right to decide who I have sex with.

Feminism has developed to different heights in different countries.The theory of "Yes means yes" was accepted by the criminal law circle under the impetus of feminists, and it was gradually reflected in the trial.We may still be in the second and third stages.

new weekly ：Victims now need to prove their violation and disagreement. In the worst case, how can we keep the evidence and protect our rights and interests?

Chen Bi ：We are free to have sex with others as adults, whether male or female. But in your free state, if you have to express your disagreement, you should first say "no" bravely.The signal of rejection is stronger.

If it continues to happen, how can we keep the evidence and hold the other party accountable?

After having a bad feeling, you canSend a WeChat description to a friend immediately.For example, I feel that this person is very violent and I am a little scared. If adverse consequences occur,This description is also very important evidence.. It’s best to passVideo traceFor example, if you were brought in, you may be photographed by the surveillance of bars and hotels. From our experience in handling cases, these are all very important evidences. Like underwear, sheets, blood stains, which can leave evidence of the other party, try to keep them.

If you decide to call the police, it is recommended to immediatelyThe fastest speed alarmYou can receive the police at home with the hotel front desk and collect evidence with the police. Witnesses are there, and towels and sheets are in the room where you lived, which can reduce the pollution of evidence.

If you wake up in the morning and find yourself sexually assaulted, you must have it.Evidence consciousnessDon’t take a shower and wash your hair at once, or all the evidence will be washed away.

If you are an acquaintance, the other party may send a WeChat to appease the victim. You can restate the matter and say that I am angry with what happened yesterday, and maybe you can reconfirm the incident.

About cyber violence

new weekly ：In February this year, there were several cyber-storms, one of which directly led to the death of a pink-haired girl. Seeing that netizens suggested the introduction of an anti-cyber violence law, if any, what level should it contain? What obligations does the platform need to undertake?

Chen Bi : My personal opinion,It may be difficult to introduce the anti-cyber violence law. Unlike the Anti-Domestic Violence Law, it relies on women’s rights and interests, which is a very important work of the Women’s Federation.But who are the victims of cyber violence? It is difficult for them to be a subject.How can the protected rights and interests be condensed, and which social organization can take the lead? I find it very difficult.

Cyber-violence is not a legal term, it is embodied in many kinds of illegal acts and criminal acts, and its related provisions are interspersed in many laws. The acts involved are also governed by the Civil Code, the Law on Public Security Administration Punishment and, more seriously, the Criminal Law.

The current laws and regulations can basically cover the specific behavior of cyber violence, forward abuse, spread rumors and slander, expose the privacy of personal information, and disclose telephone numbers for everyone to call.

If a regulation can be issued to increase the obligations of the platform, the legal relationship will still be handed over to various departments to sort out, and it may be more practical to implement it by the Civil Code, the Law on Public Security Administration Punishment and the Criminal Law.

new weekly ：In many incidents of cyber violence, the role of platforms is partially vacuum, but their roles are somewhat ambiguous, because platforms may benefit from traffic. Is there any way to establish rules to clarify platform responsibilities? For example, when someone speaks disrespectfully, the platform should remind him which laws have been violated.

Chen Bi ：Some platforms are designed with these functions.After increasing the platform’s responsibility, maybe this kind of incident will still happen.. For example, in the case of the girl with pink hair, I personally think that the platform can’t completely evaluate that this will form a cyber storm event, which is difficult to prevent.

But the platform is inert, and it actually needs to bear mandatory obligations.If someone reports to it that it has been cyber-hacked, it must immediately delete the cyber-hacked information. If it is not deleted immediately, and the victim can show evidence of contacting the platform,It is to bear joint and several tort liability..

The law gives more consideration to what help can be provided to the victims. If you encounter a cyber storm, you must quickly ask the platform for help and ask the video to be removed. If the customer service can’t solve it, just get the other party’s work number and continue to call to complain. There are many successful cases that have been solved in this way.The platform has the obligation to take you off the shelf, and you can sue the platform together if it is not good enough..

Domestic violence cases

new weekly ：What was the implementation of the personal safety protection order in previous domestic violence cases?

Chen Bi ：The proof standard of personal safety protection order is actually low. For example, your ex-boyfriend sends you 20 harassing text messages a day, all of which are swearing. If you show this evidence to the judge, you are likely to get a personal safety protection order.

As long as the possibility of domestic violence is greater than that of non-occurrence, about more than 50%, which proves that others have harassed you and posed a real threat to you, you can ask the court to issue a personal safety protection order.

If the other party violates the personal safety protection order, if the circumstances are serious, it will bear criminal responsibility, and the maximum sentence can be three years. Many cases of domestic violence have been effectively curbed.

new weekly ：In many cases, domestic violence-related cases are first prosecuted by civil cases, and there may be cases where the judgment is light. Some people suggest that more detailed sentencing standards should be adopted for domestic violence. What do you think of this?

Chen Bi ：Domestic violence, like cyber violence, is not a legal term. If you want to divorce because of being beaten, it should be solved within the scope of civil cases.

If you want to prove that the other party’s infringement on you has exceeded the Civil Procedure Law, you can take a criminal approach and initiate a public prosecution. You need to add other evidence to prove that the other party has abused or intentionally hurt you, and the law will deal with sentencing according to its own rules.

Why do you get a light sentence in many cases? Because he has obtained the understanding of the victim, he may kneel down again and apologize. In addition, as soon as the family persuades him, the perpetrator will get the understanding, which is often the important reason for the "lighter sentence" in the judgment. From the judge’s point of view, ifIf the family is to be maintained, heavier punishment is actually unfavorable to family stability..

It also depends on the wishes of the parties, whether to continue to live together.If the victim resolutely does not understand, the sentence will not be very light.

new weekly ：The decision of the parties may also be influenced by the so-called "family culture", and it is necessary to maintain a harmonious family relationship. It makes sense in law, but it may lead to the victim’s rights and interests not being well protected.

Chen Bi ：Right,The right to escape is given to you, depending on whether our women grow up to master and make good use of this right.What we can do, especially what the legal profession can do, is to give you the right and put it here. When human beings can touch tools, she may be liberated.

I think the law can liberate human beings and women as well.One is that I will give you "weapons", and the other is to rely on the awakening of the parties themselves..

I think many people think that the victim is so miserable out of kindness that she must be rescued from her unhappy life and marriage. But personally, I think thisIt is also a logic of the strong.. If she insists on forcibly saving others, she may fall into another difficult situation.

In fact, as feminism says, the weak should be respected, right? But I want to give her this possibility. I can’t let her despair. There is no chance to ask for help or escape in the future. Now there is such a help and opportunity.

Where do you grow up, what kind of life do you decide,I prefer to say that the law should not have the logic of the strong.The law just gives her a chance to pick up the weapon when she wants to save herself and escape.

About gender culture

new weekly ：How do we educate about gender respect and gender equality in the whole system of public security and inspection law? For example, in the Ram case, if we knew how to protect the victims first, the tragedy that followed might not have happened.

Chen Bi ：In fact, all public security laws have one function, that is, legal education. The police station will also do this work, but it is more focused on teaching the masses.How to properly safeguard individual rights and not commit crimes?Wait.

The education of gender respect you mentioned is based on the popularization of law.At present, it can only meet the minimum requirements, and the minimum requirement of morality is the rule of law..

If you do legal education, you will know.There is a big gap between law and morality. And many times, respecting women is actually out of moral constraints.. I think the popularization of the concepts of being kind to women and living in harmony between the two sexes is more driven by social atmosphere.

However, the domestic violence in the Ram case is not only the degree of family conflicts, but also a violation of criminal law. Ram is with a person who has no respect for life and is likely to kill. The real danger already exists, but it has not been recognized and has not attracted enough attention. Finally, it has led to the tragedy of intentional homicide. This kind of murder case between husband and wife and between spouses actually happens every year, which is very shocking.

Sex education

new weekly ：We all know that the popularization of sex education is very important for the protection of children, but some parents worry that premature sex education may lead to precocious puberty in children. What should we do about it?

Chen Bi ：I think children’s sex education must not only explain how organs develop and how sexual behavior occurs. It is to let children understand that they are the masters of the body.

We have done crime research for so many years, in fact, we can see from the defendants and victims that they may have lacked a basic education in their childhood and did not form a right.Cognition of the boundary between peopleThis may be the focus of our sex education.

When you were young, you had to tell her that your body is up to you, and you can’t let others infringe on it, and you can’t let others touch your parts. Once she established this sense of physical boundaries, she understood many things.

Knowing this, we can understand that "other people’s bodies are also the masters of others." Who am I going to have sex with? It can only happen after mutual consent. I can respect myself and others. If she can understand this, she will bravely refuse or call for help when someone invades her.

If you don’t establish a sense of boundaries in your body, you will feel that you can invade others, and it doesn’t matter if others infringe on you.. If parents don’t do this kind of education when they are young, or they are prone to domestic violence, children may learn these things in the future.

The murderer in the Ram case also grew up in a violent environment at home. No one told him that your body should be respected and your feelings should be respected.

About the protection of women and children

new weekly ：One of the hot topics last year was the penalty for the sale of women and children. What specific changes have taken place in relevant laws and regulations in recent years?

Chen Bi ：People who bought women and children at first were not punished. Later, it was developed to stipulate in the amendment that buying will also be punished. However, the punishment is still relatively light, and the maximum sentence is only 3 years. Suppose that five years later, after the limitation of prosecution, as long as I don’t commit a new crime, you can’t pursue my criminal responsibility.

Why was it so loose in those days? First, because our protection of women and children is centered on combating trafficking,The penalty for abduction and trafficking is very heavy, which can be as high as the death penalty, and the bribe is obviously much lighter.Second, in order to encourage these families who buy and sell women and children, they can actively release the children and women and prevent them from doing things that hurt women and children in order to stop the rescue.

In this way, what happened in practice? Sometimes, when it is discovered, it has been several years, and it has become a fait accompli. People get along with each other, children may have been raised for several years, and better feelings may have been established. The trafficked women may be forced to get married and even have children.She will consider: if she leaves here, where can she go again?Will it be worse than living here? Sometimes they choose to stay where they are and continue their lives.

When the people’s court tries, it will take into account the necessity of maintaining family stability. If the victim comes forward to understand, it may be suspended, and the punishment seems very light.Most of the people who bought it were sentenced to several months in the end, and many of them were suspended..

I think the situation has changed now, including after last year’s discussion, everyone knows that trafficking in women is a heinous crime, and buying it is absolutely unforgivable. And the law enforcement power at the grassroots level is stronger. In this case, can the penalty be adjusted? The maximum penalty is only three years, which is really mismatched.

Women sometimes don’t exercise their freedom of choice, but they can’t help themselves.. But what we can do is to give women the choice as much as possible, and at the same time slowly change the society.So that they should not be in an environment where they have a choice but are unable to choose..

new weekly ：You wrote in your book, "The degree of protection for women and children is a true embodiment of the degree of social civilization". How do you understand this sentence?

Chen Bi ：What is the degree of civilization of a country or a society? It is not how much happiness most people enjoy, but these weak and vulnerable groups,What kind of rights do those people who may not be seen by us enjoy?.

Women are endowed with reproductive value because they have a uterus; As long as the surname is changed, the child can be endowed with the value of breeding blood. They will become the targets of trafficking, essentially because they are not treated as living people, but only used as a tool. The protection of them by laws and institutions is the symbol of a country and a social civilization. Their rights need to be seen.

Also share the book "The Echo of Justice" by Chen Bi, which contains many popular events.

# Media People Weekly #

Author | Felicia

Edit | Gillian

Proofreading | Yang Chao

Typesetting | Yang Yue