Deep love philosophy sentence, every sentence goes through the heart!

First, time flies, some regrets, destined to be a notch in the heart, some goodbye, say it, still feel heartache, some persistence, only hurt yourself. It doesn’t matter. It’s all over. You will always meet someone better. No longer wronged themselves, people always have to move forward, believe in themselves, and everything they want is on the way.

Second, I was most afraid of losing you. In the end, I lost you. Love has not dispersed, and people have gone far, which hurts the most. Things have changed, you can’t go my way, just as I can’t dream your dream. Counting the rings, how long has it been since you and I met? If you will think of me, how can you remember me? Bypassing your locked heart, it’s just my waiting alone.

Three, how many times have I told myself, and a moment that ought to have lasted for ever, but no matter where I go, I still have you in my heart, so I buried you in my heart and turned you into a secret. I am no longer sad and sad for you, but I will still hear from you occasionally. I hope you have a good life. Miss you and miss you; It has become a habit, but it won’t bother you again, let alone contact you again.

Four, the long years, the person I miss most, are you okay? If you are well for the rest of your life, I won’t bother you any more. There is a love that has never been said in my heart, but it has become a story. How much care, how much helplessness, a love, the most profound parting, can no longer accompany you to see the long stream of water, can no longer accompany you to grow old slowly.

5. Inadvertently, some thoughts filled my heart, and some memories made my eyes wet. Standing in the depths of the years, I was so sad that I forgot that I was just a story writer. Time flies, hiding in a period of time, in other people’s stories, with their own tears. Looking back, whose figure falls in memory, giving birth to infinite warmth and provoking acacia? Miss your tenderness, miss the fleeting time, miss the past with a smile, and look forward to meeting you at the ends of the earth.

6. Do you know? There is someone who has been waiting for you for too long. The town where you and I met is still there. I still hope you are still there. I have experienced too many things, and my heart is tired, but when I think of you, there is still endless hope that supports me to move forward. You are still in the future, how dare I get old? I have a Qian Qian knot in my heart. Who will solve it for me? Only you know my heart, understand my warmth and coldness, and wish to be treated gently by time. You and I are still the same.

Seven, to the person I love deeply, thank you for meeting you in this life, thank you for teaching me how to love, thank you for giving me tenderness, thank you for teaching me to be brave, thank you for teaching me to cherish, but unfortunately, you will not appear in my life again. In the depths of the years, in whose eyes, there is endless attachment? Say hello to the distance, we will always find the best of ourselves, thank you for coming to my world.

Eight, I am the happiest person with you in my life. I have you in my life, and my heart is warm without words. Thank you for guiding me when I am confused and encouraging me to be strong when I am weak.

If I can meet you again, how will I face you? I can only be silent with joy. If you see me again, will you look back and stare into my eyes and tell me all your thoughts?

Ten, a turn is a lifetime, goodbye to the most beloved you, I wish you a stable life in a place I can’t see, and no longer drift from place to place. Many people know about Do not forget your initiative mind and so as to achieve your final goal, but they seldom know that the first heart is easy to get, and it is always difficult to keep. There is still a long way to go in the future. I will be fine, and you should be kind to yourself. I hope that you and I will be well and undisturbed for the rest of my life, which is my last gentleness.

11. The most painful thing in the world is that love is still there, and people have gone their separate ways. Since then, everything about each other has to be heard and heard. I heard that you have had a good life these years, and there is someone by your side. I heard that you are still the same as before, and the years have not left traces on your face. When I read your name, I still feel sad, because I can’t look at you again in this life.

Twelve, lonely, want to have you, how much love, how much loneliness and heartache. Waiting is dreaming that someone will come back, because there is still love in my heart. Have you changed over the years? I am still the same. In the city where you lived, I am busy and lead an ordinary life every day. Do you know that?/You know what? There is a person who has been silently caring about you.

Thirteen, you can’t forget the rivers and lakes, just where you can’t see, a person misses you quietly, and there is a kind of warmth that makes someone treat you as always, a kind of happiness, and a constant concern. You in the distance, do you know that there is a person who misses you all the time? You have been here for a while, and I miss you all my life.

Fourteen, people who are destined to be inseparable can’t see each other again in this life. I will return you to the vast sea of people even if I am extremely sad. The truest love is that you are the only one in my life, and this feeling will never change. Over the years, have you occasionally thought of the person who loves you the most? Some people can experience wind and rain, but they can’t live a normal life. I have been tossing and turning for many nights, thinking about you and thinking about you. You are my deepest concern and my deepest love.

Maybe in the future, no one will love you as much as I do, and you will never meet the second me again. You once said, I wish to have one heart and one mind, but why did you say goodbye in a hurry? I love you wholeheartedly, but I can’t have you. I miss you. Looking back, I am somewhat disappointed. I look at the distance alone, and my vows are too beautiful. The people I heard are true.

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Source: Chunming Dongcan

What’s the address of registered tax agent examination in official website?

  In 2024, registered tax agents in China applied for official website as the "National Tax Agents Professional Qualification Examination Registration System" (https://ksbm.ecctaa.cn/). Students who applied for the first time need to complete their real-name registration first. Now Teacher Acha will tell you something about it. Don’t miss it!

  1. In 2024, where did China Certified Tax Agents apply for official website?

  2024 Efficient Reference Kit for Tax Agents

  In 2024, China registered tax agents applied for official website as "National Tax Agents Professional Qualification Examination Registration System" (https://ksbm.ecctaa.cn/).

  Applicants who take part in the professional qualification examination for tax agents shall register through the National Registration System for Professional Qualification Examination for Tax Agents (website: https://ksbm.ecctaa.cn), or through the National Registration System for Professional Qualification Examination for Tax Agents of China Certified Tax Agents Association official website (www.cctaa.cn), or through the "Examination Service" of the official WeChat WeChat official account of China Certified Tax Agents Association.

  Second, how do tax agents register?

  If you are applying for the exam for the first time, the first step is to complete the real-name registration, and then fill in your own registration information. The uploaded photo should be a 1-inch bareheaded photo with a white background in the last year. Applicants with working experience requirements need to fill in their work resumes.

  If you have reported before, then you can directly log in to the "Registration System" and enter the "Information Collection" page, check and fill in the information item by item as required, and correct and update the information in time.

  Iii. Matters needing attention in registration of tax agent examination:

  1. During the registration period, undergraduate graduates who have not obtained academic qualifications (degrees) in economics, law and management disciplines should choose "Yes" in "Whether they are in school" and fill in relevant information.

  2. For applicants with foreign academic certificates, the number column of the academic certificate shall be filled in with the number of the academic certificate of the Study Abroad Service Center of the Ministry of Education.

  3. Applicants whose academic credentials are lost or damaged can log in to the China Higher Education Student Information Network (Xuexin.com) and enter the Xuexin file to inquire about their academic information before registration; If you can’t find it, you should apply to Xuexin. com or relevant acceptance agencies for academic certification report.

  4. Adults who work first and then enter the school, graduates from self-taught colleges and other related majors should fill in their work resumes.

  That’s all the content of this article. If you want to learn more about tax agents, please go to Gao Dun Education official website Tax Agents Examination Channel to get more free study materials!

  Data collection address: https://www.gaodun.com/cta/ziliao?. customParameters=jyzx

  [Special instructions]

  Due to the constant changes and adjustments of examination policies and contents, the above information provided in this paper is for reference only. If there is any objection, please refer to the contents published by official website.

  [Recommended reading] Statistics on the number of civil servants registered in Guizhou in 2024: 52,000 people passed the registration review! [As of 19: 00 on 23rd]

Some bus lines operate until 3 am! On New Year’s Eve, the travel guide of "burning your head" is coming.

Passengers going to Lingyin Temple, yongfu temple and Taoguang Temple

You can take No.7, 324M and No.505 to Lingyin Temple, yongfu temple and Taoguang Temple. On New Year’s Eve, the section line from Victory Theatre to Lingyin will be added on Route 7. The 324M road will increase the interval line from Lingyin to Xiaoyawu; No.505 Road will open the interval line from Huanglong Sports Center to Lingyin.

Passengers bound for Jingci Temple

You can take the No.4 bus to Jingci Temple. On New Year’s Eve, Bus No.4 will open a section line from Wu Shan Square to Jingci Temple.

Passengers going to Shangtianzhu, Zhongtianzhu and Santianzhu

You can take busno. 324M to Shangtianzhu, Zhongtianzhu and Santianzhu. On the night of New Year’s Eve, the 324M Road will be opened from Lingyin to Xiaoyawu, passing through the interval line of Tianzhu Third Temple.

According to the traffic management measures issued by the traffic police department during the New Year’s Eve blessing activities in Buddhist places in West Lake Scenic Area, motor vehicles are prohibited from entering Lingyin area (except buses, work vehicles, units along the line and residents’ vehicles) from 20: 00 pm on New Year’s Eve to the end of the New Year blessing activities. Depending on the situation, the Lingyin route is one-way from east to west, and the Lingyin branch is one-way from west to east.

Therefore, we recommend that on New Year’s Eve, citizens who choose to drive by car or take a taxi or network car can go to No.608 Xixi Road and Xiaoyawu Bus Station to realize the "car for car".

On New Year’s Eve, No.608 Xixi Road arranged the "Lingyin fastest connection line", and the connection service time was from 20: 00 to 24: 00; Citizen passengers can also transfer to the 324M section at Xiaoyawu bus stop to go to Lingyin Scenic Area.

On New Year’s Eve, we also list the specific information of the bus supporting lines for the Spring Festival blessing activities for everyone:

Source: Hangzhou Bus

Reporting/feedback

February 5 th! Hangzhou Olympic Sports Center welcomes Zhejiang Swimming Team again.

On September 29th, 2023, the six-day swimming competition of Hangzhou Asian Games came to an end in the swimming pool of Hangzhou Olympic Sports Center. China Swimming Team won 28 gold, 21 silver and 9 bronze in 41 events, creating the best record in the history of Asian Games. The Zhejiang Swimming Army, which fought at home, is the most beautiful scenery, contributing 14 gold, 7 silver and 3 bronze to the China delegation, accounting for half of the gold medals in the Asian Games, and breaking 5 Asian records and 3 Asian Games records.
On February 5th, Zhejiang Swimming Sky Team will return soon. Wang Shun, Xu Jiayu, Ye Shiwen, Wu Qingfeng and Hong Jinquan, members of the "Zhejiang Swimming Champion Team" of the Hangzhou Asian Games, will bring many other national champions to the swimming pool of Hangzhou Olympic Sports Center to witness the signing of the swimming pool with Zhejiang Swimming Management Center and the unveiling of the Zhejiang Swimming Team Training Base.
In November last year, on the occasion of the 20th anniversary of Qianjiang Century City, Wang Shun was hired as the brand official of Qianjiang Century City, to build a first-class competition core area for this "Asian Games City" and to better publicize and promote sports at home and abroad.
As the core area of Hangzhou Asian Games, Qianjiang Century City has proved to the world its comprehensive ability to host large-scale intercontinental events. In the post-Asian Games era, it is an important task for Century City to make a thorough and practical article on the post-Asian Games and continuously amplify the post-Asian Games effect. This time, joining hands with Zhejiang Swimming Sports Management Center and listing the provincial swimming team training base to help cultivate more reserve talents of Zhejiang Swimming Army is an important measure for Century City to strengthen the competition economy and help Xiaoshan build the first competition economic zone in the province.
As an important bearing place for the century city to build the competition economy, the swimming pool of Hangzhou Olympic Sports Center has a total construction area of 53,959 square meters, with more than 6,400 seats, making it the second largest swimming and diving hall in China after Beijing Water Cube. During the Asian Games, the natatorium undertook four competitions, namely swimming, diving, synchronized swimming and swimming in the Asian Para Games, which produced 151 gold medals, making it the venue with the largest number of gold medals. At present, the venue has held more than 40 events, including 37 sports events.
Reporting/feedback

Gui ‘an Public Security Bureau seized two cases of illegal transportation of fireworks and firecrackers.

In order to further improve the public safety management of fireworks and firecrackers, and severely crack down on illegal activities of selling, transporting and storing fireworks and firecrackers, the Public Security Bureau of Gui ‘an New District, based on the actual situation that fireworks and firecrackers enter the peak season of production and sales near the Spring Festival, severely cracked down on illegal production, storage, transportation and sales of fireworks and firecrackers, actively eliminated potential safety hazards, and earnestly safeguarded the safety of people’s lives and property.
On January 29th, the Public Security Bureau of Gui ‘an New District cooperated with various police types, and successively seized two cases of illegal transportation of fireworks and firecrackers, which eliminated potential safety hazards and formed a powerful shock to the illegal storage and sale of fireworks and firecrackers.
On the afternoon of the same day, the security detachment received a clue that a van with expensive license plate AYXXXX was suspected of illegally transporting fireworks and firecrackers. After receiving the clue, the police quickly carried out research and analysis, multi-database joint investigation and multi-police linkage to implement interception. At about 18 o’clock, the second traffic police brigade successfully intercepted the suspected vehicle at the traffic light at the entrance of Gui ‘an Sakura Garden. After on-site inventory, the suspected vehicles illegally transported 131 pieces of fireworks and firecrackers.
After investigation, the suspected vehicle driver Zhang was the operator of a fireworks and firecrackers retail store in Huchao Township. Immediately, the police station of the police station cooperated with the safety supervision department to clear the warehouse of the fireworks and firecrackers retail store operated by Zhang and revoked the retail business license of Zhang. At present, the case is being further processed.
Coincidentally, at 19: 30, the second brigade of the traffic police seized another van with the license plate of expensive ADXXXX to illegally transport fireworks and firecrackers, and seized 16 pieces of illegally transported fireworks and firecrackers.
Near the end of the year, the Public Security Bureau of Gui ‘an New District will continue to strengthen the strict control of fireworks and firecrackers. Those who illegally store, transport and sell fireworks and firecrackers will always be found together and investigated together to ensure the normalization of strict control and strict control. At the same time, the general public is encouraged to actively report to the public security organs and consciously resist illegal fireworks and firecrackers.
Guizhou Daily Tianyan News reporter Wen Dan
Editor Li Juan
Liu Sibo of second instance
Sanshen Tian Yunjia
Reporting/feedback

Covering the use of new energy vehicles such as driving and parking, new energy auto insurance is coming.

  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.

Internet financial platform chaos: "Steady financial management" is actually a stock fund.

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.

Training camps are full of "seconds of light" and there are endless groups of golfers. Is it enough to be a "online celebrity" for flag football?

"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

The Best Skiing Doctor in the Winter Olympics

What impressed coach Hou was that these doctors from big hospitals were not only hardworking, but also good at learning. Learn new skiing skills faster and master them better. Hard training and talent make everyone in the team a master skier.
A group photo of the Winter Olympics Ski Doctor’s Medical Security Dream Team. Photo courtesy of respondents
Wen Wei, Beijing News reporter Pu Xiao
Editor hujie
Proofread Lin Zhao.
this text4379word Reading 7minute
On February 15th, alpine skiing women’s downhill competition was held in the National Alpine Skiing Center. A French athlete accidentally fell down during the downhill and was caught by a safety net after sliding for tens of meters at high speed on the ground. "The first ski doctor arrived at the scene in less than a minute." Ski doctor Zhou Meng said, "Her knee joint was injured. We quickly fixed her and then transferred her to Yanqing District Hospital for further examination."
"The average speed of alpine skiers can reach more than 120 kilometers per hour, which is the highest speed limit of our expressway. The best professional athletes can reach 160 kilometers per hour. " Zhou Meng said, "Most people may be a little scared when driving to 160 kilometers per hour, and athletes just stand on two boards."
Alpine skiing, known as the "limit" in extreme sports, has always been famous for its difficulty and strong appreciation, and it needs highly professional medical security services. The International Skiing Federation requires that athletes fall and get injured anywhere on the track, and medical rescuers must ski to the scene within 4 minutes. However, except for the time to clear the track, the time for the doctor to rush to the scene was only over 1 minute.
"The medical security of the snow project in Beijing Winter Olympics is almost top-notch." On February 9th, Jenny Shute, vice chairman of the Medical Committee of the International Snow Federation, gave such an evaluation, "I can cope with any situation."
Alpine skiers simulate rescuing the wounded in training. Photo courtesy of respondents
According to People’s Daily Online, in the past, medical care for snow events in China was mainly provided by ski patrols, and there were few professional doctors. In order to welcome the Winter Olympics, China has selected a group of doctors who can ski to provide medical care for alpine skiing tracks. Since 2018, the Alpine Skiing Medical Team has carried out intensive training in four snow seasons, including intensive skiing skills training, rescue training and English training. They not only have rich experience in medical treatment, but also have superb skiing skills, and some even slide to the level of athletes.
Ski doctor Shi Liang said, "Everyone signed up voluntarily, and everyone is full of enthusiasm for their work. We think this is one of the most important tasks in the Winter Olympics. When you put on the rescue vest, you represent China Medical and the power of snow rescue in China. "
From Skiing White to Skiing Master
In December 2018, after learning that China was going to set up a ski medical support team, Ma Pengcheng, Shi Liang and others immediately signed up. They come from more than a dozen 3A hospitals in Beijing. Ma Pengcheng has been fond of skiing since 2008 and has been paying close attention to the development of ice and snow in China. "I was very excited that China could host the Winter Olympics, so I took the initiative to stand up."
After three trainings and examinations in skiing, English and professional knowledge, they ushered in a new identity-the first generation of alpine skiing doctors in China.
After that, this newly established team conducted the first skiing skill training at Chongli Wanlong Ski Resort. "I can only say that I am a beginner. I didn’t know what the big snow field was like until Wanlong. At that time, I was a little embarrassed." Shi Liang recalled.
Ski doctor Shi Liang is training in skiing. Photo courtesy of respondents
Every snow season, ski doctors have to train in the snow field for 20 days, 8 to 10 hours a day. Under the guidance of the coach step by step, their skiing skills have become more and more proficient, and they can gradually slide freely on various snow trails. Because of long-term training in the mountains and strong ultraviolet rays, they were all sunburned. "We are all monkeys’ faces, and both cheeks are covered with face protection. Only the eyes, nose and mouth are exposed outside, and they become red and black, with deep marks." Shi Liang said.
"This team is characterized by being very serious and hardworking." Hou Jiahuan, coach of the alpine skiing medical team, said that after seven years of skiing teaching, it is rare to see such students. "They are really full of love for skiing and the Winter Olympics."
What impressed coach Hou was that every day before the cable car opened, the ski doctors were already waiting in line and then slid to the end; Every time you teach in groups, people from other groups will come to class seriously; For some difficult skills, they will also practice over and over again.
What impressed coach Hou was that these doctors from big hospitals were not only hardworking, but also good at learning. Learn new skiing skills faster and master them better. Hard training and talent make everyone in the team a master skier. Shi Liang later became a senior "ski instructor" in the circle of friends, and he would teach patiently whenever there were children around who wanted to learn skiing. Yang Jiaonan, a female player, also said that she has made a qualitative leap in skiing skills and loves skiing more.
In addition to improving skiing skills, ski doctors also need training such as simulated rescue. In the cold wind of the snow field, they knelt on the snow to practice cardiopulmonary resuscitation and practiced tracheal intubation on steep slopes.
The temperature in the snow field is low, so everyone uses various cold-proof artifacts such as electric socks and baby warmers. But many people, including coach Hou, still remember the coldest day last year.
On January 6, 2021, the temperature of Wanlong Snow Resort dropped to MINUS 39 degrees Celsius. Yang Jiaonan recalled, "The wind that day was particularly strong. The wind blew into the face from the gap in the helmet, and it was like a knife cutting meat. People were completely speechless with cold." Even everyone’s snow goggles was frozen and couldn’t see clearly, so everyone lined up with a hair dryer to blow hot snow glasses. "In this extreme weather, in fact, everyone can rest in the hotel, but they still insist on training spontaneously." Hou Jiahuan said.
In extremely cold weather, the snow mirror was frozen, and the ski doctor blew the heat with a hair dryer. Photo courtesy of respondents
"We need to consider all kinds of situations in the competition, including this bad weather, so we still keep training." Ma Pengcheng said.
Ma Pengcheng recalled that they insisted on skiing skills training, simulated rescue and looked at rescue equipment. When he returned to his residence after training in the evening, he found that his shoes could not be taken off. It turns out that my feet are swollen like a big steamed stuffed bun.
When you make a promise, there is no reason to back down.
In addition to extremely cold weather, ski doctors have also encountered heavy fog, heavy snow and windy weather during training, but everyone is insisting on training and does not want to delay a day. After mastering the basic skiing skills, each of them has to carry a 10 kg first aid kit when training. The medical kit contains more than 20 kinds of first aid supplies such as medical flashlight, scissors, oxygen cylinder and oxygen mask. Carrying a first-aid kit on a variety of snow trails for intensive training is even more difficult. "The medical kit is like a soldier’s gun for us, so we should carry it with us." Ski doctor Bai Peng said.
According to the regulations of the International Snow Federation, ski doctors need to have certain rope skills in alpine skiing competitions. After theoretical study, the ski doctor also learned the theoretical knowledge of ropes, knots and locks, as well as the application of fall arresters, descending devices and safety belts with the Beijing alpine rescue team.
"Training is very hard." Shi Liang said that in training, there were injuries inevitably, and he was injured once in training.
At the end of March 2021, the weather began to turn hot, and the icy snow on the ski resort began to turn into milkshake-like snow. "This kind of sticky snow and icy snow are intertwined, but the two kinds of snow slide at different speeds. At that time, I was not careful, I fell down in the soft snow, and my hand couldn’t move when I supported my arm. Going back to shoot was a humeral tubercle fracture. "
After a period of rest, Shi Liang returned to the snow field. "Even after psychological and physical torture, I feel that life needs to do something. Since you want to do something, you can’t stop doing it because of a little injury. As long as you make a promise, there is no reason to retreat. "
In addition to practicing excellent skiing skills, ski doctors have also conducted ITLS (International Traumatic Life Support) intensive training during the non-snow season for two consecutive years.
Alpine skiers knelt on the snow to simulate the rescue of the wounded. Photo courtesy of respondents
During the day, they strengthen the concept and skills of life support for basic trauma outside the hospital, and learn skills such as cardiopulmonary resuscitation, tracheal intubation, fracture fixation, hemostasis and dressing. At night, rescue plans are often written late. Shi Liang said that this plan has been revised many times. "For example, a standardized process will refer to foreign countries and then be optimized according to the requirements of our country. We will use this optimized version to practice and continue to optimize after encountering problems." There will also be discussions on new schemes within the team, sometimes for a long time.
"China has never hosted such a large-scale international competition before. While learning from foreign experience, we are crossing the river by feeling the stones. Foreign public videos, as well as international skiers, will impart some experience, but it is not comprehensive. " Shi Liang said that foreign countries have a lot of actual combat experience, and China’s medical level is certainly not worse than his, and skiing skills are not necessarily worse than his, but the field rescue and field rescue are really not as experienced as them. "How to deal with it quickly in a safe situation, how to judge it, and then let the game resume, this really needs more running-in."
Spring Festival in the Closed Loop
On January 22, 2022, alpine skiers officially entered the closed loop of the Winter Olympics. Before the start of the Winter Olympics, they conducted various drills in the Alpine Ski Center. "We have a lot to be familiar with and run in, such as the icy snow track that meets the competition standards, the snow rescue drill, the cooperation and communication with international ski doctors and international patrols, and the docking with helicopter rescue." Bai Peng said.
Located in the northwest of Yanqing District, Beijing, the National Alpine Ski Center has built seven tracks, with a total length of 9.2 kilometers and a maximum vertical drop of 900 meters. It is the first alpine ski track in China that meets the Olympic standards, and the difficulty of the track ranks in the top three in the world.
The steepest training track of the National Alpine Ski Center has a slope of 64%. Photo courtesy of respondents
Ski doctors get up at 5: 30 in the morning, arrive at their posts at 8: 30 and return to the hotel at 16: 30 in the afternoon, rain or shine. They often have meetings until 21 o’clock in the evening. In this way, without a day’s rest, they spent a Spring Festival in a closed loop.
On New Year’s Eve, ski doctors held a small Spring Festival Gala, and everyone sat together for the holiday. Each group had a program, and Zhou Meng and his colleagues danced aerobics together. "I still feel homesick, but it is also a kind of warmth to be surrounded by comrades-in-arms. I have a task to be busy the next day, and I have no time to be sentimental."
Just these days, Zhou Meng’s daughter was just born, and he only has half an hour to video with his family every night. Seeing her daughter’s little face through the video, Zhou Meng likes it more and more. He named his daughter Dafu, "I hope she will spend her life happily." He felt sorry that he could not witness the birth of his daughter. But he also knows that there are not many ski doctors in the team, and each person has a position. If he doesn’t go, it is unlikely that someone will replace him. "The alpine ski track is 2,198 meters long, but during the competition, a ski doctor is needed every three or four hundred meters. This will ensure that we will arrive at the scene within 4 minutes after the wounded fall to the ground. " He used to be a volunteer in the 2008 Olympic Games, and now he serves the Winter Olympics. He feels that this is also a kind of fate.
The National Alpine Skiing Center has set up medical stations for athletes, spectators and apron in the alpine skiing competition area and the racing area respectively. Each medical station for athletes is equipped with four doctors and four nurses, the spectator medical station is equipped with three doctors and three nurses, and the apron medical station is equipped with one doctor and one nurse. During the games, eight ambulances are equipped, with one doctor, one nurse and one driver on each ambulance. On competitive and racing tracks, a track medical station (FOP) is set up every three or four hundred meters, and each track medical station is equipped with two skiers and four rescuers.
Ski doctors are on duty in front of the station. Photo courtesy of respondents
After the opening of the Winter Olympics, Chinese and foreign skiers also had a lot of cooperation. "China has a relatively weak foundation in the field of snow sports and a shorter history of rescue. When we came into contact with internationally experienced ski doctors in the early days, they would have some questions about our skiing skills. " Bai Peng, a skier, said that China skiers showed their strength to international skiers through practical actions. The international ski doctor looked at it and said, "You are great." Now, through a period of running-in, Chinese and foreign skiers have established trust with each other.
"A few days ago, we experienced a helicopter rescue. An international doctor named Hans made a summary in the medical diary of that day and wrote a perfect one." Zhou Meng said.
The results of hard training in these years have been well reflected in these days. It is understood that many alpine skiers have been treated.
On February 7th, in the alpine skiing women’s slalom event, American athlete Nina O ‘Brien accidentally fell and rolled near the finish line, and the medical staff in China rushed to the injured side through the finish line in only one minute for treatment. Recently, she posted a message on her personal social platform thanking the medical staff in China, saying, "Because of an open leg fracture, I underwent surgery last night and will go home to recover. I want to say thank you to all the people who took care of me, especially those who rushed to me at the finish line, as well as the doctors and nurses in Yanqing. "
"Our treatment of the wounded was very smooth, which gave us great confidence." Shi Liang said, but they still have a tight string. "Medical care is no small matter, and we can’t have any flaws in our work. We represent not only individuals and teams, but also China Medical. "
Shi Liang said, next, they will provide medical care for the Paralympic Winter Games, and they can go home in early April at the earliest. "I hope to catch up with my child’s birthday and want to take him out to play and make up for the regret of not being around for a few months."
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People’s financial evaluation: strive to create a good monetary and financial environment

  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。