The 18th National Congress of the Communist Party of China painted a grand blueprint for building a well-off society in an all-round way and accelerating socialist modernization, and issued an era call for marching towards the goal of "two hundred years". According to the spirit of the 18th CPC National Congress, we clearly put forward the Chinese dream of realizing the great rejuvenation of the Chinese nation. Now, everyone is talking about the Chinese dream, thinking about the relationship between the Chinese dream and themselves, and their responsibilities for realizing the Chinese dream.

-The Chinese dream is historical, realistic and future. The Chinese dream embodies the unremitting efforts of countless people with lofty ideals, carries the common aspiration of all Chinese sons and daughters, and shows the bright future of national prosperity, national rejuvenation and people’s happiness.

-The Chinese dream belongs to the country, the nation and everyone in China. If the country is good and the nation is good, everyone will be good. Only when everyone strives for a beautiful dream can we gather the majestic power to realize the Chinese dream.

-The Chinese dream belongs to us, and it belongs to your younger generation. The great rejuvenation of the Chinese nation will eventually become a reality in the relay struggle of the vast number of young people.

In various historical periods of revolution, construction and reform, the Communist Party of China (CPC) has always attached great importance to, cared for and trusted the youth, and placed ardent expectations on the younger generation. The Communist Party of China (CPC) has always regarded youth as the future of the motherland and the hope of the nation, and has always regarded youth as a new force in the development of the cause of the party and the people, and has always supported young people to realize their life ideals in the great struggle of the people.

Now, we are closer to the goal of realizing the great rejuvenation of the Chinese nation than at any time in history, and we are more confident and capable of achieving this goal than at any time in history. He who travels a hundred miles is half ninety. The closer we are to the goal of realizing the great rejuvenation of the Chinese nation, the more we must not slack off, the more we must redouble our efforts, and the more we must mobilize the broad masses of young people to fight for it.

Looking forward to the future, the younger generation of our country will certainly have a lot to do, and it will also have a lot to do. This is the historical law of "the waves behind the Yangtze River push the waves ahead" and the youth responsibility of "each generation is stronger than the next". The vast number of young people should bravely shoulder the heavy responsibility entrusted by the times, aim high and be down-to-earth, and strive to release their youth dreams in the vivid practice of realizing the Chinese dream of the great rejuvenation of the Chinese nation.

First, young people must be firm in their ideals and beliefs. "Gong Chong is only ambitious, and the industry is wide and diligent." Ideals guide the direction of life, and beliefs determine the success or failure of a career. Without ideals and beliefs, it will lead to mental "calcium deficiency." The Chinese dream is the common ideal of the people of all ethnic groups in China, and it is also a lofty ideal that the younger generation should firmly establish. Socialism with Chinese characteristics is the correct way to realize the Chinese dream, which our Party has led the people through hardships, and it is also the life belief that the majority of young people should firmly establish.

The majority of young people should persist in arming their minds with Deng Xiaoping Theory, Theory of Three Represents and Scientific Outlook on Development, base their ideals and beliefs on rational recognition of scientific theories, on a correct understanding of historical laws and on an accurate grasp of the basic national conditions, constantly enhance their road confidence, theoretical confidence and institutional confidence, and strengthen their belief in upholding the party’s leadership, and always follow the party and hold high the great banner of Socialism with Chinese characteristics.

Second, the vast number of young people must develop excellent skills. Learning is the ladder of growth and progress, and practice is the way to improve skills. The quality and skills of young people directly affect the process of realizing the Chinese dream. The ancients said, "Learning is like a crossbow, only like an arrow." It is said that the foundation of learning is like a crossbow, and talent is like an arrow. As long as you rely on solid knowledge to guide, you can make talent play a good role. Young people are in the golden age of learning, so they should take learning as the primary task, as a responsibility, a spiritual pursuit and a way of life, and establish the concept that dreams start with learning and careers are achieved by skills, so that diligent study can become the driving force for youth’s voyage and growth skills can become the energy for youth’s fighting.

The vast number of young people should persist in facing modernization, the world and the future, enhance the sense of urgency in updating knowledge, be eager to learn, not only lay a solid foundation for knowledge but also update knowledge in time, not only study theory assiduously but also actively master skills, and constantly improve their quality and ability that is compatible with the development of the times and the requirements of the cause. We should persist in applying what we have learned, go deep into the grassroots and the masses, master real talents and practical knowledge in the melting pot of reform, opening up and socialist modernization, and gain what we can’t do, and strive to become a pillar of great use and responsibility.

Third, the vast number of young people must be brave in innovation. Innovation is the soul of national progress, the inexhaustible source of a country’s prosperity and development, and the deepest national endowment of the Chinese nation. As the saying goes, "If you are new, you will be new, and you will be new." Life never cares for those who are conformist and satisfied with the status quo, never waits for those who are not enterprising and enjoy the success, but leaves more opportunities to people who are good at and brave in innovation. Youth is the most dynamic and creative group in society, and should be at the forefront of innovation and creation.

The broad masses of young people should have the courage to be the first, to emancipate their minds, keep pace with the times, to explore and forge ahead, and to establish their ambition to surpass their predecessors on the basis of inheriting their predecessors, "to create a youthful country and a youthful nation with a youthful self." We must have the will to open the way on every mountain and bridge the river, and persevere and forge ahead for innovation and creation. We should have the attitude of exploring true knowledge, seeking truth and being pragmatic, and constantly accumulate experience and achieve results in our own innovation and creation.

Fourth, the vast number of young people must be determined to work hard. "The sword front comes from sharpening, and the plum blossom fragrance comes from bitter cold." The beautiful ideals of human beings can’t be readily available, and they can’t be separated from the hard struggle. Our country, our nation, has gone from poverty and weakness to today’s development and prosperity step by step, relying on the tenacious struggle of generation after generation and relying on the spirit of self-improvement of the Chinese nation. At present, we are faced with both important development opportunities and unprecedented difficulties and challenges. The dream is ahead and the road is at your feet. The winner is strong, and the self-improvement wins. To achieve our development goals, we need the unremitting efforts of the vast number of young people.

The vast number of young people should bear in mind that "empty talk about making mistakes in the country and rejuvenating the country", base themselves on their duties, work hard, start from themselves, start from scratch, and achieve their own wonderful life with hard-working hands and first-class performance. We must not be afraid of difficulties, overcome difficulties, be brave enough to go to the grassroots level with difficult conditions, the front line of national construction, and the forefront of tackling key problems in projects, undergo exercise, and increase our talents. We must be brave in starting a business, dare to venture and dare to do it, strive to break new paths and innovate industries in the reform and opening up, and constantly open up new horizons for career development.

Fifth, the vast number of young people must temper their noble character. Socialism with Chinese characteristics is a socialism with all-round development of material civilization and spiritual civilization. It is difficult for a nation without spiritual strength to stand on its own feet, and it is difficult for a cause without cultural support to last long. Youth is a social force that leads the trend. The civilization accomplishment of a nation is largely reflected in the moral standards and spiritual outlook of the younger generation.

Young people should closely combine correct moral cognition, conscious moral cultivation and positive moral practice, consciously establish and practice socialist core values, and take the lead in advocating a good social atmosphere. It is necessary to strengthen ideological and moral cultivation, consciously carry forward patriotism, collectivism and socialism, and actively advocate social morality, professional ethics and family virtues. We should always keep in mind the principle of "from good to bad", and always maintain a positive attitude towards life, good moral quality and healthy interest in life. We should advocate a new style of social civilization, take the lead in learning from Lei Feng, take an active part in voluntary service, take the initiative to assume social responsibilities, care for others with enthusiasm, do more practical and good things to help the poor, the weak and the disabled, and promote social progress with practical actions.

Striving for the Chinese dream of the great rejuvenation of the Chinese nation is the theme of the youth movement in China. The Communist Youth League should carry out in-depth educational practice activities on the theme of "My Chinese Dream" among the vast number of young people, sow and ignite dreams for each young person, so that more young people can dare to dream, pursue dreams and be diligent in dreams, so that every young person can add strong youthful energy to realize the Chinese dream. We should use the Chinese dream to lay a solid ideological foundation for the vast number of young people, educate and help them to establish a correct world outlook, outlook on life and values, and always love our great motherland, our great people and our great Chinese nation, and firmly follow the Party’s path of China. It is necessary to use the Chinese dream to inspire the young people’s sense of historical responsibility, carry forward the glorious tradition of "the party has a call and the group has actions", identify the starting point and combining point of their own work in the overall work of the party and the state, and organize and mobilize the young people to support reform, promote development and maintain stability. It is necessary to actively provide services for the majority of young people to realize their dreams, earnestly improve their work style, go deep into the grassroots, enter the youth, think about what young people think and worry about their urgent needs, represent and safeguard the universal interests of young people, and strive to create a good environment for the majority of young people to grow into talents.

Young model figures are role models for teenagers to learn, shoulder more social responsibilities and public expectations, and have a strong demonstration and driving role among teenagers and even the whole society. I hope that young model workers will make persistent efforts, be strict with themselves and forge ahead, and set an example for the vast number of young people with their own growth process, spiritual pursuit and exemplary actions.

A nation will prosper only when its young people thrive Since its establishment, our party has always represented, won and relied on the vast number of young people. Party committees and governments at all levels should fully trust, care for and strictly demand young people, open a broader sky for young people to gallop their thoughts, build a broader stage for young people to practice and innovate, provide more opportunities for young people to shape their lives, and create more favorable conditions for young people to make contributions. Leading cadres at all levels should pay attention to the wishes of young people, help them develop, support their entrepreneurship, be bosom friends of young people and be enthusiastic about youth work.

人的一生只有一次青春。现在，青春是用来奋斗的；将来，青春是用来回忆的。人生之路，有坦途也有陡坡，有平川也有险滩，有直道也有弯路。青年面临的选择很多，关键是要以正确的世界观、人生观、价值观来指导自己的选择。无数人生成功的事实表明，青年时代，选择吃苦也就选择了收获，选择奉献也就选择了高尚。青年时期多经历一点摔打、挫折、考验，有利于走好一生的路。要历练宠辱不惊的心理素质，坚定百折不挠的进取意志，保持乐观向上的精神状态，变挫折为动力，用从挫折中吸取的教训启迪人生，使人生获得升华和超越。总之，只有进行了激情奋斗的青春，只有进行了顽强拼搏的青春，只有为人民作出了奉献的青春，才会留下充实、温暖、持久、无悔的青春回忆。

我坚信，在党的领导下，只要全国各族人民紧密团结，脚踏实地、开拓进取，到本世纪中叶，我们必将建成富强民主文明和谐的社会主义现代化国家，我国广大青年必将同全国各族人民一道共同见证、共同享有中国梦的实现！

——习近平在同各界优秀青年代表座谈时讲话的一部分

Author | Zhou Songtao

The new energy car track is about to welcome a well-known player.

Yes, it is Xiaomi car.

Yesterday (October 26th) evening, Xiaomi held a new product launch conference of Xiaomi 澎湃 OS and Xiaomi 14 series. At the meeting, Xiaomi officially released a series of new products such as Xiaomi 14 series, Xiaomi watch S3, Xiaomi wrist ECG blood pressure recorder (Xiaomi blood pressure meter), and also released a brand-new operating system-Xiaomi 澎湃 OS.

Although Xiaomi did not specifically introduce the progress of Xiaomi Automobile at this conference, many media, investors and consumers are very concerned about Xiaomi Automobile.

Previously, Lei Jun was previouslyWeiboAccording to the newspaper, Xiaomi Automobile is progressing very smoothly and will be officially listed in the first half of next year. "When the time is right, I will report to you."

Xiaomi has officially decided to build a car for more than two years.

On the evening of March 30, 2021, Xiaomi Group announced that the board of directors of the company officially approved the establishment of the smart electric vehicle business. The company plans to set up a wholly-owned subsidiary to be responsible for the smart electric vehicle business. The initial investment is 10 billion yuan, and it is estimated that the investment in the next 10 years will be 10 billion US dollars (about 65.7 billion yuan). Lei Jun, CEO of Xiaomi Group, will also be the CEO of smart electric vehicle business.

Lei Jun of Xiaomi Group also expressed his ideas in Weibo at that time. Entering the smart car industry was the most important decision in Xiaomi’s history, and it was also the last major entrepreneurial project in his life. He was willing to put all his reputation in life and personally lead the team to fight for Xiaomi’s car.

On August 23rd this year, some media reported that Xiaomi Company had been approved by the national planning department of China to produce electric vehicles (EV), which marked an important step for the smartphone manufacturer to "produce cars early next year".

According to Sina Technology, it has been learned from Xiaomi suppliers that Xiaomi Automobile Factory has started the recruitment of workers, and opened many positions such as painting operators and battery workshop operators. This means that Xiaomi automobile is about to enter the production stage, and at the same time, it confirms the reliability of the above rumors. A supplier who provides recruitment services for Xiaomi Automobile Factory revealed that since August this year, Xiaomi has started to open its automobile factory to the outside world for general recruitment. At present, the gap is more than 100 people, and the recruitment process is very fast.

However, Xiaomi has never responded.

Now, Lei Jun personally confirmed that Xiaomi Automobile will be listed next year, indicating that the progress of Xiaomi Automobile is going smoothly. Consumers will have another choice of car brands next year.

　　Online celebrity Xia, a 22-year-old from Yueyang, Hunan, is 1.72 meters tall. In addition, she looks sweet, tall and slim, and she has long blond hair … … As long as she takes selfies online, teaches people how to make up, eats and travels around, it will attract countless rewards. However, it is such a beautiful anchor who has millions of fans and rewards hundreds of thousands every month. She is actually an addict who has been taking drugs for five years!

　　On the afternoon of May 30th, The Paper (www.thepaper.cn) learned from Changsha Railway Public Security Bureau that on May 29th, when Changsha Railway police seized Xia Mou in high-speed railway station, they found that she had taken K powder. At present, Xia was given an administrative fine of 500 yuan by Changsha police.

　　The Paper learned from Changsha Railway Public Security Bureau that at about 15 o’clock on May 29th, when the police of Yueyang East Station police station of Changsha Railway Public Security Bureau patrolled the security checkpoint, they found a young woman with tall figure, fashionable clothes and graceful behavior. However, when I take my luggage by plane, I feel very unnatural when I see the police. Because he was particularly thin, his eyes were empty and he was suspected of taking drugs, the police went forward and asked to see his ID card and ticket. When the woman saw it, her hands trembled involuntarily and her behavior was very suspicious. The police then summoned her to the police station. After urine test, it was found that the result was positive. In the face of the evidence, the woman admitted to taking K powder on the evening of May 28th.

　　After investigation, the woman’s name is Xia, and she is 22 years old. The items she carries and wears with her, including T-shirts, sunglasses and bracelets, are all internationally renowned brands, ranging from several thousand yuan to tens of thousands of yuan. When the police investigated her occupation, they found that Xia was a online celebrity with millions of fans.

　　According to the police investigation, four years ago, after graduating from a vocational secondary school, Xia Mou, aged 18, made a live webcast in Aauto Quicker, Tik Tok and other platforms under his real name, mainly sharing his daily life, such as makeup, clothes and travel, etc., and accumulated millions of fans successively, and his "reward" became increasingly rich, earning thousands or even tens of thousands of dollars a day, and all kinds of advertising endorsements were also endless. On the same day, Xia was going to take the high-speed train to Guangzhou to shoot advertisements.

　　Xia claimed that the live broadcast time is not fixed, depending on the mood and state, the work is very easy and the income is considerable. Because of emptiness and boredom, I became addicted to drugs with the purpose of tasting new things. According to the investigation, since 2014, Xia has been administratively punished by the public security organs three times for taking drugs. Xia also knows that drug abuse is terrible and has a great impact on the body. He has been detoxified many times, but he can’t stand the temptation and starts to relapse. When the police asked her if she was worried about drug abuse affecting her appearance, Xia Mou covered her face and began to cry, expressing regret and sorry for her fans. (The Paper reporter Jiang Gewei correspondent Zhu Hongmei)

　　CCTV News:According to the website of the Ministry of Education, on September 2, the general office of the Ministry of Education issued a notice on doing a good job in the enrollment of adult colleges and universities nationwide in 2021. The relevant work requirements are hereby notified as follows.

　　Fully ensure the safe and smooth implementation of adult college entrance examination

　　1. Step by step compaction test safety responsibility. Adult college entrance examination is a national education examination. All localities should fully understand the significance of ensuring the safety of national education examinations, further strengthen organizational leadership, compact safety responsibilities at all levels, and make every effort to ensure the safety and stability of adult college entrance examinations. The provincial college admissions committees are responsible for organizing the adult college entrance examination, managing the examination environment, rectifying the examination style and discipline, and maintaining the examination safety within their respective administrative areas, and the main responsible comrades are the first responsible persons; The main responsible comrades of the provincial education administrative department, the responsible comrades in charge and the main responsible comrades of the admissions examination institutions are directly responsible; Colleges and universities are responsible for the examination and enrollment work of our school. The principal responsible comrades are the first responsible persons, and the responsible comrades in charge are the direct responsible persons. Colleges and universities all over the country should strictly implement the eight basic requirements of college entrance examination and enrollment management, and make decisions on major issues in a timely manner to the provincial party Committee and the provincial government, and report to the Ministry of Education.

　　2. Strictly implement epidemic prevention and control measures. Colleges and universities all over the country should study and plan ahead of time, conscientiously implement the relevant requirements of national education examination group examination and epidemic prevention work under the normalization of epidemic prevention and control in COVID-19, further refine and improve the epidemic prevention work plan of adult college entrance examination group examination in combination with the actual situation of local universities, strengthen epidemic prevention and control measures in all aspects, and ensure the life safety and physical health of the majority of candidates and examination staff. It is necessary to do a good job in monitoring the health of candidates and staff, equip each test center with an assistant examiner for epidemic prevention as required, set up necessary isolation examination rooms and facilities, and equip them with sufficient epidemic prevention materials, conscientiously implement measures such as entrance temperature detection, comprehensive disinfection and ventilation of the examination room, and keeping a distance, formulate and improve emergency plans for epidemic prevention emergencies, and strengthen epidemic prevention training and emergency drills for examination personnel. It is necessary to improve the work methods of candidates’ registration and qualification examination, actively adopt online and other off-site methods, reduce the gathering and flow of people, and resolutely hold the bottom line that the epidemic will not spread due to examinations.

　　3. Strict examination organization and management. All localities should conscientiously implement the requirements of the organization and management of the national adult college entrance examination, strictly implement the security and confidentiality system, take various measures such as civil air defense and technical defense, strengthen the safety management of test papers, realize the supervision of the whole process of making, transporting, keeping, distributing, testing and marking papers, and ensure the absolute safety of test papers. Strengthen the work training of examiners and improve the ability of invigilators to perform their duties. Strictly implement the examination management regulations, strengthen the entrance inspection of candidates, and prevent candidates from cheating by taking the test and carrying high-tech tools such as mobile phones. Give full play to the role of the inter-ministerial joint meeting mechanism of the unified national education examination, strengthen the coordination of departments, continue to promote the comprehensive management of the examination environment, and severely crack down on all kinds of illegal and criminal acts related to the examination according to law. Adult college entrance examination must be arranged in standardized test sites, and all relevant schools should conscientiously implement the obligation to undertake the examination and do relevant work as required to ensure that standardized test sites can be used and used.

　　Comprehensively strengthen the standardized management of enrollment.

　　4. Strengthen the qualification examination of candidates. All localities should strengthen the qualification examination in strict accordance with the "Measures for Enrollment of National Adult Colleges and Universities in 2021" and the registration conditions determined by this province (autonomous regions and municipalities), and jointly with relevant departments, focus on strengthening the qualification examination of candidates who apply for examinations in different places, apply for relevant care policies and enroll without exams, and resolutely prevent intermediaries and units from organizing large-scale personnel who do not have learning conditions to apply for examinations, enroll and study in different places. It is necessary to publicize candidates who apply for relevant care policies and exemption admission in strict accordance with relevant regulations. Candidates who have not been publicized and failed in publicity are not allowed to enjoy relevant care policies. It is necessary to make full use of information technologies such as the Internet, strengthen the sharing of government information resources with relevant departments, actively implement online verification of candidates’ identities and registration qualifications, and further improve work efficiency and service quality. All localities should strengthen the overall planning of work, and in principle, complete the registration procedures for all kinds of exemption admission and individual examination candidates before the end of September.

　　5. Reasonably arrange the enrollment plan. All localities, departments and universities should accurately grasp the orientation of running adult higher education, combine economic and social development, strengthen the analysis and prediction of the demand for adult higher education in their own regions and industries, comprehensively consider social demand, school conditions, the number of applicants and the expansion of higher vocational colleges in 2021, further optimize the enrollment professional structure, and scientifically and reasonably arrange college enrollment plans according to different learning forms such as full-time, amateur and correspondence. All localities, departments and colleges and universities should complete the planning and other work on time in accordance with the "2021 National Adult College Admissions Work Arrangement".

　　6. Strictly implement the enrollment policy. Colleges and universities all over the country should implement the enrollment work in accordance with the requirements of "the school is responsible for the recruitment and supervision", strictly implement the enrollment policy, and strictly abide by the enrollment work disciplines such as "ten prohibitions" and "30 prohibitions". It is forbidden to transfer the responsibility and power of enrollment in any form, and it is strictly forbidden to entrust any intermediary agency or individual to recruit students. Strengthen the supervision of correspondence stations, strictly implement the annual filing system, and may not hold correspondence education without the filing of relevant departments. Scientifically define the minimum admission control score line, improve the quality of talent selection, and ensure that the admission of new students meets the training requirements of receiving a higher level of education. Seriously investigate and deal with false propaganda, illegal promises and other acts.

　　Further strengthen the service for candidates and the review of freshmen’s qualifications.

　　7. Strengthen enrollment publicity services. Colleges and universities all over the country should make full use of mainstream media and new media, vigorously publicize the enrollment policy of adult colleges and universities, and remind the majority of candidates to fully understand the national enrollment policy on unifying the reform of legal professional qualification examination, promoting the employment and entrepreneurship of veterans in the new era, and related majors such as medicine, art, sports and foreign languages. Vigorously carry out publicity and education on integrity examination, and carry out targeted early warning and publicity in combination with criminal law and judicial interpretation of the two universities to remind candidates to enhance their awareness of the rule of law and consciously abide by the law. Strengthen the monitoring of online public opinion, find out early and effectively deal with false propaganda and malicious speculation to prevent the spread of harmful information.

　　8. Strict review of freshmen’s qualifications. All localities should guide local colleges and universities to seriously carry out the re-examination of freshmen’s admission qualifications, compare and verify the materials such as admission notice, ID card, extra care and exemption admission qualification certificate required for freshmen’s registration with the enrollment roster and electronic files one by one, and prevent imposters through technologies such as "witness identification". Those who do not meet the conditions for entering the examination or who practice fraud or violate discipline and fraud will be disqualified from entering the school according to the relevant provisions, recorded in the "integrity files of candidates’ examinations" and notified to the provincial entrance examination institutions where they are located for investigation and accountability.

　　Seriously investigate and deal with violations of discipline.

　　9. Strictly investigate violations of discipline and discipline. Colleges and universities around the country should conscientiously implement their supervisory responsibilities and promptly investigate and deal with violations of rules and regulations in adult college entrance examination enrollment. Units and individuals who violate the relevant provisions of the examination shall be dealt with severely according to the Measures for Handling Violations of National Education Examination (Decree No.33 of the Ministry of Education). Units and individuals who violate the relevant provisions of enrollment shall be dealt with severely according to the Interim Measures for the Handling of Illegal Enrollment in Colleges and Universities (Decree No.36 of the Ministry of Education). Suspected of a crime, transferred to judicial organs for legal responsibility. Those who violate the rules and regulations of public officials will be dealt with severely according to the rules and regulations.

　　In 2021, the national unified entrance examination for adult colleges and universities will be held on October 23rd and 24th.. The examination is based on the proposition of the 2020 edition of "National Adult Colleges and Universities Enrollment Review Examination Outline".

　　The provincial education administrative departments are requested to forward this notice to all adult colleges and universities in the administrative area as soon as possible.

　　Timetable of National Adult College Entrance Examination in 2021

　　(a) the starting point of senior high school, junior college examination schedule

　　(two) the starting point of the college entrance examination schedule

　　BEIJING, July 31 (Xinhua)-On the 31st, official website, the central bank, released the "Brief Report on Consumer Financial Literacy Survey in 2019" (hereinafter referred to as the "Report"). According to the survey,Consumers need to strengthen their financial behavior, and have a good performance in reading contract terms, saving for children’s schooling, and password protection when using ATM; The planning and implementation of family expenses, the understanding of statements and the repayment of credit cards need to be further strengthened, and there are generally shortcomings in dealing with unexpected expenses.

　　In 2019, the Financial Consumer Rights Protection Bureau of the People’s Bank of China conducted a questionnaire survey on consumers’ financial literacy for the second time. 600 financial consumers were randomly selected from each provincial administrative unit for the questionnaire survey, with a total of 18,600 samples nationwide. The survey comprehensively and qualitatively analyzes the financial literacy of Chinese consumers from the perspectives of consumers’ attitudes, behaviors, knowledge and skills.

　　The overall financial literacy of consumers has improved slightly.

　　According to the report, the survey report obtains the national consumer financial literacy score by constructing the consumer financial literacy index. The results show that the average score of the national consumer financial literacy index is 64.77, the median is 67.96, and the standard deviation is 17.01. The consumer financial literacy index is approximately normal distribution.

　　Compared with 2017, the overall financial literacy of consumers has improved slightly. Education, income, region, age and occupation are significantly related to consumers’ financial literacy scores, while gender has limited influence on financial literacy scores.

　　What kind of financial knowledge are consumers most interested in?

　　According to the report, from the perspective of consumers’ attitude, the overall situation of consumers’ financial attitude is good. Most groups can realize the importance of popularizing financial knowledge and carrying out financial education on campus, and pay more attention to personal credit; The willingness to delay consumption is slightly decreased (or more inclined to immediate consumption), among which full-time students have the lowest willingness to delay consumption.

　　From the perspective of consumer behavior, the overall financial behavior of consumers needs to be strengthened, and they have good performance in reading contract terms, saving for children’s schooling, and password protection when using ATM. The planning and implementation of family expenses, the understanding of statements and the repayment of credit cards need to be further strengthened, and there are generally shortcomings in dealing with unexpected expenses.

　　Judging from the level of consumers’ financial knowledge, consumers have a certain grasp of financial knowledge as a whole, and the correct rates of bank cards, savings and credit knowledge are higher, all exceeding 60%;The knowledge level of loans, investment and insurance needs to be improved, and there are great differences in the mastery of various financial knowledge among different groups.

　　From the perspective of consumers’ financial skills, on the whole, consumers have a relatively good grasp of the rights and obligations of financial contracts, product risks and benefits, and the handling of counterfeit money, and have a certain grasp of distinguishing illegal investment products and channels and comparing financial products and services; However, the function of crown number and the use of bank cards need to be strengthened, and the level of mastering the anti-counterfeiting features of the new version of RMB needs to be improved.

　　Judging from consumers’ demand for financial knowledge, the five categories of financial knowledge that consumers are most interested in are bank cards (including debit cards and credit cards), bank wealth management products, housing loans, fund stock investment, mobile banking and other electronic banking services.

　　According to the analysis of the report, from the demographic characteristics, different groups of consumers have great differences in financial attitudes, financial knowledge, financial behavior, financial skills and financial knowledge needs.

　　The average correct rate of credit knowledge has risen.

　　According to the report, consumers have a certain grasp of financial knowledge as a whole, and the correct rates of bank cards, savings and credit knowledge are higher, all exceeding 60%The knowledge level of loans, investment and insurance needs to be improved, and there are great differences among different groups in their mastery of various financial knowledge.

　　Among them, the consumer credit knowledge survey includes five questions. On the whole, the average correct rate of consumers is 71.15%. In terms of knowledge points, when investigating whether consumers know personal credit reports, 81.44% of consumers answered yes; When further investigating whether consumers know which institution to inquire about personal credit report, 73.36% of consumers answered correctly; When investigating whether consumers know the influence of bad credit records, 76.42% of consumers answered correctly. When further investigating whether consumers know the retention period of bad records, 58.88% of consumers answered correctly. When investigating whether consumers know that they can file an objection to the error of credit report, 65.64% of consumers answered yes.

　　According to the report, compared with 2017, the average correct rate of consumers’ credit knowledge increased by 6.66%, among which the average correct rate of knowledge about understanding credit reports, inquiring about credit reports, the impact of bad records, the retention period of bad records, and objection applications increased by 7.82%, 9.68%, 3.31%, 9.55%, and 2.95% respectively.

　　Through this survey, the report draws the following conclusions: First, the changes of consumers’ financial literacy should be continuously tracked to provide an important basis for the overall development of financial education; Second, we should continue to pay attention to the financial literacy level of key groups and regions, carry out appropriate financial education activities in combination with group characteristics, focus on improving consumers’ financial knowledge and skills, and improve consumers’ financial behavior; Third, we should actively respond to the challenges brought by digital technology, make use of the excellent characteristics of digital technology, and develop more financial education tools that are suitable for the digital age and demographic changes. (Zhongxin Jingwei APP)