The appearance is bright! The "Great Wall Edition Beetle" is coming, and it will be pre-sold this month and listed in June!

Great Wall is very keen to launch brand-new sub-brands, such as Great Wall Gun, Haval, WEY, Euler, Tanks and Salon, and is also keen to work hard on naming methods, such as Haval Big Dog, Tank 300/500, Euler Black/White/Good Cat, and Dream. At the same time, it is also keen to attract attention in design, such as the tough guy cross-country of Tank 300/500, the sleek and lovely Euler Cat series, and walking.

At the Chengdu Auto Show in August, 2021, Great Wall Euler exhibited a brand-new pure electric concept car named Euler Ballet Cat for the first time. At the Guangzhou Auto Show in November 2021, the prototype of Euler Ballet Cat, which is very close to the production version, was officially unveiled. At the beginning of December 2021, Euler’s ballet cat declaration map appeared in the Ministry of Industry and Information Technology; At the beginning of March, 2022, Euler Ballet Cat officially went offline.

However, the time for listing has not been fixed. Recently, more reliable news has finally come out. Some media have learned from official channels that the pre-sale of Euler Ballet Cat will start on May 20th, and it will be listed in mid-June.

The biggest highlight of Euler’s ballet cat is its retro classic design. At that time, this brand-new pure electric compact car with retro shape attracted a lot of people’s attention as soon as it appeared, because it was too similar to the classic model Beetle. However, according to official sources, this model has applied for relevant appearance patents, and there is no infringement problem.

Although retro, but in the moment, this is an alternative fashion, female users will like this shape very much. The Euler Ballet Cat is also a model for positioning women’s exclusive cars, and the two sides can be regarded as hitting it off.

Ballet cat body lines mostly use rounded curves, and the headlight group adopts a horseshoe-shaped design style, which is very recognizable. The hood has an obvious bulge, which creates a feeling of being cute. Viewed from the side, the rounded roof line and the roof line will slide down quickly after the C-pillar, so that the car can have enough head space.

As can be seen from the previous application drawings of the Ministry of Industry and Information Technology, ballet cats can choose different styles of exterior rearview mirrors and rim styles. tyre size has reached 225/55R18, and the styles are quite retro.

The positioning of the new car is close to that of a good cat, but the overall size is larger. The length, width and height of Euler Ballet Cat are 4401/1864/1633mm and the wheelbase is 2750mm, respectively, and the size data is similar to that of Guangzhou Automobile Aian AION Y..

Recently, Euler officially released the color system of ballet cat Song porcelain, and the body colors are Dingbai, Azure, Rice Glaze, Junxia, Chaomu Qingbai, Goldwind Yulu, etc., which will carry out the literary atmosphere to the end.

The interior is also full of rounded design elements and feminine attributes. Dashboard, center console, steering wheel, central armrest, etc., are all rectangular design elements with round edges, which makes the internal and external design styles very consistent. The area officially called the central armrest of Swan Lake is made of crystal-like materials. The steering wheel and seats are all exclusive styles tailored for women. The large aperture cosmetic mirror and lipstick storage compartment are also exclusive configurations that can meet the daily needs of women.

The driving mode is also very interesting. When traveling in special weather, there is a "riding the wind and breaking the waves" mode. When traveling with children, you can start the "children’s mode". On special days, there is also a "warm man mode". Although they are icing on the cake, for women, these small changes can really bring more comfortable mood and enjoyment at some moments.

In terms of power, the new car is equipped with a driving motor with a maximum power of 126kW and matched with lithium iron phosphate batteries, providing two maximum cruising ranges of 401km and 500km. This endurance level is similar to Euler’s good cat, and it is absolutely no problem to meet the daily commuting of young ladies in the city.

It is reported that the future price of the car may be around 200 thousand yuan. How much do you think is appropriate?

Lei Jun personally confirmed that Xiaomi Automobile will be listed in the first half of next year.

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.

Exclusive interview with Jordan chan: I dare to make a bed scene after marriage and I am trying to have a baby.


Cherrie Ying is really noisy. I’m taking tonic.

  Every married artist will be asked when to have a baby in an interview. Some people will play Tai Chi and say let nature take its course, while others will simply avoid it. It is estimated that an artist like Jordan chan can not only have a good chat, but also laugh at himself and say that an artist who is taking tonics to have a baby should be unprecedented.

Movie Network: Do you like boys or girls?

Jordan chan:Both men and women are good, and girls are also good. In fact, many sisters in Cherrie Ying have boys, so I won’t let those boys chase me when my children grow up (laughs). And I’ve heard many people say that a brother will lead a bad sister, but a sister will take good care of her brother.

Movie Network: How many children do you want to have?

Jordan chan:It’s better to have twins, so my wife and I can save trouble. (Laughter)

Movie Network: Are you trying to have children now?

Jordan chan:Yes, I’ve given up smoking and drinking a lot, and I’m still taking tonic. (Laughter)

Movie Network: Who do you think is better for your child’s future personality?

Jordan chan:If it’s a girl, it’s better to be like me. I talk less.

Movie Network: Is Cherrie Ying very noisy?

Jordan chan:Uh … … Doesn’t the wife care about her husband at home?

Movie Network: Will children enter the entertainment circle in the future?

Jordan chan:Absolutely not, it is completely wrong to let your children be artists. Being an artist is very clear about this kind of life. If the pressure is not adjusted well, you will be confused. You should study hard. I am very, very opposed to children entering the entertainment circle.

Movie Network: Will the child be allowed to film when he is still young?

Jordan chan:No, it will be well protected. Don’t take him to the set for a show. I have to recite my lines. I don’t have time to accompany him. If he comes to visit the class, he will go to the room and wait for his father to come back. What will he do with it?

Movie Network: But Cecilia Cheung has started to let children film now. What do you think?

Jordan chan:It’s none of my business. Every family has a difficult experience. (We) are different. She is her and I am me, and each has its own way.

Next page: do it
Jackie ChanSuccessors are afraid of jokes, and they want to play "Young and Dangerous" and want to play the police.

Employment discrimination gives birth to "physical examination gunner". Physical examination group earns millions a year (Figure)


Physical examination "gunman group" earns millions a year.


  At present, it is the peak of the physical examination for graduates. In exchange for a "spotless" physical examination report, some people began to look for "physical examination gunmen". Because of the loopholes in hospital management, the "gunmen" exploited the loopholes. Behind the survival of the physical examination "gunman", it once again reminds the society that the employment discrimination problem needs to be solved urgently.


  job seeker


  Who will take my physical examination and pay 500 yuan?


  "The university is graduating soon, and I finally found a job, but the employer asked me to issue a medical certificate. I am a hepatitis B virus carrier, but my liver function is normal and I am not contagious. I hope to find a good-hearted person to take my medical examination. I will provide 500 yuan nutrition fee and I will pay for the medical examination fee. " Recently, a post like this appeared on a forum.


  The reporter contacted the poster Ronaldinho according to the way this post was left. He claimed to be a fresh graduate of a university in Zhongshan and worked as an intern in a foreign company last December. "They were satisfied with my conditions, but after the physical examination, they turned me down because I was a hepatitis B virus carrier."


  Ronaldinho is very depressed about this. This month, when he went to another company for an interview, he decided to find someone similar to himself for a physical examination based on the experience taught by his predecessors. He said with emotion: "Now the employment pressure is so great that it is hard to find a job, and I have to worry about the physical examination. It is really sad to think about it."


  Ronaldinho told reporters that in the circle of hepatitis B virus carriers, it is an unspoken rule to find a "gunman" in the physical examination. He said: "Recently, it is the peak of graduation job hunting. Many people are looking for’ gunmen’, and some even call for the establishment of a medical examination alliance."


  "Gunners’ Regiment"


  Business across regions, nearly a thousand people a year for inspection.


  According to the data released by the Personnel Bureau of Zhongshan City, the number of college graduates in Zhongshan will exceed 20,000 this year, the highest in history. The employment situation is not optimistic. For hepatitis B virus carriers, their situation is even more embarrassing.


  With the increasing employment pressure and social discrimination, hepatitis B virus carriers have suffered more harm than hepatitis B virus itself. The reporter learned that there are still many units that have more or less "hepatitis B discrimination", which has given birth to things like "missing people for physical examination".


  It is no secret that the physical examination "gunner circle" in the Pearl River Delta has a high income. Ronaldinho also told reporters that a few years ago, the price of "gunner" for inspection only needed 250 yuan, and at most 500 yuan. Now, the price of finding a professional "gunner" has almost quadrupled, so he only considered looking for body double in the campus forum.


  "Hepatitis B discrimination" and good income make some gunmen see business opportunities, and they even unite to set up a "inspection company". The reporter learned from the investigation that the "business scope" of some companies has gone beyond a single city, and many "gunmen" claim to have businesses in Shenzhen, Guangzhou, Dongguan, Zhuhai and Zhongshan. Some people even revealed that their operation team provides business for nearly a thousand people every year, with an annual income of over one million yuan.


  boast wildly


  No matter which hospital, it is guaranteed to pass the customs.


  Through Ronaldinho, the reporter contacted a physical examination "gunman". "We have professionals to do the inspection, and the charge is 2,000 yuan at a time." He said that for the physical examination of the agent, his team has been operating for a long time and everything is easy to solve.


  The "gunman" asked the reporter which hospital he would have a physical examination in, and said that he had accumulated contacts in many hospitals. "All hospitals in Zhongshan have to put photos and stamps and show their ID cards when they have a physical examination, but no matter which hospital, we can help pass the customs."


  "I help you to do the people’s hospital, top three hospitals, more authoritative. Pay a deposit in 500 yuan in advance and provide ID information. " Later, he sent a paragraph on the Internet: Zhongshan People’s Hospital, hand in your ID card during the physical examination, then register the information and send a physical examination form. There are photos, and the place where blood is drawn is one meter away from the registered place, which is suitable for "gunmen" to do all the projects.


  "Then how can I give you the money? How can you promise not to lie to me? " When the reporter asked for an interview, the "gunman" became wary. "You can transfer money or come to Dongguan People’s Hospital to meet me, but I won’t go to Zhongshan. We are not people who can be called out by a phone call."


  Hospital: impossible to prevent and have no right to punish.


  Because of the strict inspection, Zhongshan People’s Hospital and Pok Oi Hospital are called "restricted areas for substitute inspectors" by some "gunmen". The relevant person in charge of the two hospitals said that the substitute can be found almost every month, but the hospital can’t punish the parties.


  Feng Yanggen, chief of the physical examination center of Pok Oi Hospital, said, "Although the hospital is strictly controlled, it is impossible to completely eliminate this phenomenon. Hospitals are not law enforcement agencies and there is no way to punish them. "


  Voices of all parties


  Health department: looking for someone to check for you will cause endless trouble.


  Regarding the phenomenon of impersonation in physical examination, the relevant person in charge of the office of Zhongshan Municipal Health Bureau said that although there are many reasons for finding "gunmen" to replace physical examination, it is the employee’s irresponsibility to himself. Physical examination on behalf of the examination will not only be harmful to society, but also cause adverse consequences to the medical examiner, medical institutions and employers, and will also bring adverse consequences to the health, study and employment of the person being examined.


  Enterprise: You must know the health status of employees.


  The person in charge of the human resource management department of an IT enterprise told the reporter that from the perspective of employing people, the unit must understand the health status of employees. "If a person clearly needs to rest in poor health, but the company gives him a very important and stressful project without knowing it, does this help him or hurt him?"


  Expert opinion


  Employment discrimination gives birth to "physical examination gunner"


  In a forum called "physical examination bar", the reporter saw that many medical examiners who posted for help showed their helplessness. A netizen named "hou1979" left a message saying that he is a carrier of hepatitis B virus. This year, the unit requires everyone to have a physical examination, so he can only try his luck to find the "gunman".


  Experts from the Nanjing Municipal Center for Disease Control and Prevention bluntly said that before the employment discrimination was effectively resolved, some people were really helpless to find a "gunman" for medical examination. On the one hand, they are asking major hospitals to strengthen the examination; on the other hand, they hope that the unit can face up to the results of the physical examination and consider it humanely for the professionals.


  Lawyer’s suggestion


  No longer check for hepatitis B in the physical examination.


  Ms. Huang Yizhi, who is in charge of assisting the parties in Beijing Yirenping Center, an anti-discrimination public welfare organization, said that in the world, carrying hepatitis B virus belongs to the personal privacy of workers, and employers have no right to conduct hepatitis B virus tests on workers, let alone discriminate against hepatitis B virus carriers and deprive them of equal employment rights.


  In this regard, some lawyers suggested that relevant laws and regulations should be introduced to standardize the contents of physical examination and cancel the hepatitis B virus examination at the time of on-the-job physical examination.


  Accelerate the pace of legislation to eliminate "hepatitis B discrimination"


  Although from a legal point of view, the physical examination of "gunmen" will lead to deception, cheating and other hazards, but most netizens will respond with sympathy and understanding to the abundant information of "looking for guns" on the Internet.


  Some netizens believe that at present, some employers do have violations and discrimination in the medical examination system, and the "hidden rules" of refusing to hire patients with diseases such as "Big Three Yang" are still in effect in some units. In real life, due to the unequal status of employers and employees, it is not easy for workers to safeguard their own rights and interests. Therefore, we should speed up the pace of legislation and eliminate "hepatitis B discrimination".

Editor: wangxin

What should I do if I don’t understand freestyle skiing? Please accept this "literacy" guide.

In the early morning of December 5th, Beijing time, in the 2021/22 FISHEF World Cup freestyle skiing and snowboarding (Big Air) in Stembot, USA, Gu Ailing, an 18-year-old from China, completed the Double Cork 1440-degree (two-week somersault+twist), becoming the first woman in the world to complete this movement, making history and winning the freestyle skiing platform project.
In the snowboarding platform event, 17-year-old China teenager Su Yiming (who once played "Little Embolden" in the play "Taking the Tiger Mountain Outward") performed well. He won the championship with a total score of 155.265 for the first time in the World Cup finals, becoming the first China athlete to win the snowboarding platform event.
Gu Ailing at the award ceremony Xinhua News Agency This is not the first time freestyle skiing has entered the public eye.In the past two years, Gu Ailing has gradually emerged in the audience’s sight in China, and has won many championships in freestyle skiing U-shaped venue skills and slope obstacle skills in Lausanne Winter Youth Olympic Games and X Games Extreme Games in the United States. In addition, at the 2006 Winter Olympics in Turin, Han Xiaopeng won the first gold medal of China men’s athletes in this event. Li Nina, Xu Mengtao and other female athletes also competed for gold and silver in major events such as the World Championships and the Olympic Games, creating great achievements.
However, compared with traditional ice and snow events such as short track speed skating and figure skating, the public’s understanding of freestyle skiing is still less.
In fact, China has always been a traditional strong team in freestyle skiing aerial skills, and it will be one of the most anticipated hot events to win gold at the Beijing Winter Olympics in two months.
Gu Ailing was in the big platform competition in the United States. Vision china diagramFreestyle Skiing,Is a young sport, its history can be traced back to the early 20th century. At that time, Norway, Austria and other ski countries had a group of thrill-seeking enthusiasts who tried to jump and spin on heavy skis.The real rise of freestyle skiing was in the United States in the 1960s. At that time, with the social movement, the trend of pursuing freedom was widely spread among young people. The progress of science and technology and the emergence of new materials also gradually enhanced the maneuverability and flexibility of snowboarding, and playing all kinds of "fancy" became a trend in the snow field.
In 1992, freestyle skiing officially became one of the events in the Albertville Winter Olympics, but only snow skills were available at that time. In the history of vision china, the first freestyle skiing competition was held in 1966 in New Hampshire, USA. In 1979, freestyle skiing was officially recognized as a separate event by the International Skiing Federation (FIS). In the 1990s, it began to enter the Winter Olympics. In recent Winter Olympics, freestyle skiing has become an official event.At the Beijing Winter Olympics, freestyle skiing will be divided into six events, including snow skills, aerial skills, slope obstacle skills, obstacle pursuit, U-shaped field skills and big platform, and 13 gold medals will be born.Except for Gu Ailing’s gold medal-winning platform project, which was held in Shougang Snow Platform in Beijing, other projects were held in Genting Ski Park in Chongli District, Zhangjiakou City.
Shougang ski platform is the first permanent platform in the world, and it is also the first competition venue combined with industrial heritage in the history of Winter Olympics. The inspiration of modeling design comes from the "flying" image of Dunhuang. The steel structure design of the platform also reserves the possibility of coping with the changes in demand of different events in the future. It is worth mentioning that freestyle skiing refers specifically to snowboarding, which is different from snowboarding, which also includes four events, such as slope obstacle skills, obstacle pursuit, U-shaped field skills and big platform, but there are no snow skills and aerial skills.
U-shaped venue of Genting Ski Park official website map of Genting Ski ResortSnow skill (Mogul)Our competition venues are generally built on steep slopes, which are composed of steep slope lines composed of many snow mounds. This kind of snow mound terrain is also called "cat jumping" skiing or "sliding mushroom" in China, which originated from a natural terrain formed by many skiers after natural snowfall. The snow skill track of the competition is made up of manual accumulation and rest. There are two jumping points in the track, and the players need to complete two jumps in the process of downhill along the snow Bao Dao.
Snow skill competition venues are generally built on steep slopes, which are composed of steep slope lines composed of many snow mounds. Vision china diagramAerial skill (aerial)In the event, the athletes jump through the steep jumping platform, and they need to complete various somersaults and turns before landing. In 1928, Carlton of the United States became the first athlete in the world to complete the snow somersault on a snowboard. The scoring of aerial skills is mainly concentrated in three parts: take-off, aerial action and landing. The score of a trial jump is the quality of completion multiplied by the difficulty coefficient of action. Aerial skill is also an early event in China’s ice and snow sports, with strong strength. In history, Guo Dandan, the first ski world champion in China, and famous athletes such as Han Xiaopeng and Li Nina were born.
In aerial skill competitions, players usually do somersaults for 2-3 weeks. Vision china diagram
Han Xiaopeng won the men’s freestyle skiing aerial skill in the 2006 Winter Olympics in Turin. Vision china diagramSlopestyleIt is a fashionable and interesting project, which became an official project at the 2014 Winter Olympics in Sochi. In the slope obstacle skill competition, the contestants need to complete the fancy movements continuously on a series of fixed props, which is what skiers commonly call "playing in the park". Props include all kinds of irons, such as long straight bars and curved bars, as well as boxes and sloping platforms of different sizes.
In 2021, Gu Ailing won the women’s slope obstacle skill final in freestyle skiing world championships. Vision china diagramU-shaped field skill (Half Pipe)The so-called "U-pool" glides down from the inclined semi-cylindrical slope and takes off with the help of the pool walls on both sides, showing aerial movements such as jumping, turning and grasping the board. In a slide, the contestants usually do 5-6 movements, and the referee will score according to the flying height, difficulty, fluency and aesthetics of the movements.
Vision china map of U-shaped venue skill competitionSki CrossIt is the only racing event in freestyle skiing, and it is also a very ornamental and unpredictable event. The contestants set off in groups of four, and passed through a series of complicated and changeable terrain such as "washboard", continuous curve, wave path and platform jumping, and competed for who would reach the finish line first. The top two in each group entered the next round, and the last two were eliminated. In order to seize the leading position and the best sliding route, there will inevitably be physical contact between players, but if you deliberately interfere with other athletes, it will be a foul and will be disqualified.
The competition among the athletes in the obstacle chase competition is fierce and enjoyable. Vision china diagram
On November 27th, 2021, Zhangjiakou, Hebei Province, 21/22 International Snow Federation freestyle skiing obstacle chasing the World Cup. Vision china Tugu Ailing’s freestyle skiing that won the World Cup this time.Big AirIt is a new event in the 2022 Beijing Winter Olympics. Compared with freestyle skiing aerial skills, the aerial action of the big platform pays more attention to creativity and freedom, and athletes often perform difficult performances such as grabbing boards in the air and falling backwards, and the horizontal flight distance will be longer.
The continuous pictures of a big platform jump are superimposed, and players often leap tens of meters horizontally. The freestyle skiing events mentioned above are all carried out in artificially trimmed venues. It also has a twin brother-“Freeride”,Usually refers to the free skiing in the pure natural high Shan Ye snow environment, also known as "Big Shan Ye Snow".Leave the crowded snowy road, enter the vast world where few people come, gallop down from the top of the mountain, enjoy the extreme pleasure of surfing in the powder snow, and draw a wonderful arc in the white world. Snow in Shan Ye is the ultimate pursuit of many skiers.
The World Wild Snow Tour (FWT) starts from the top of the steep mountain. FWT official website diagramBig Shan Ye SnowThere is also its own exclusive competition-FWT (Freeride World Tour) World Wild Snow Tour. From January to March every year, sub-races are held in wild snow resorts around the world, such as the Canadian Rockies, the European Alps, and the Japanese White Horse. The track is a natural snowy hillside.Players need to bypass all kinds of obstacles, such as trees and rocks, leap from the cliff and descend tens of meters, and be creative in the high Shan Ye snow, freely choose the sliding route, and challenge the difficulty limit of terrain and air movements. The referee will judge and score the players through route selection, gliding posture skills, air movements, fluency and other factors. In order to avoid possible avalanche risks, players must also carry three-piece avalanche rescue sets (signal transceiver, probe, snow shovel), avalanche airbag backpacks and other safety equipment. Only the top few wild snow players are eligible to participate in the competition, which can be called the "ceiling" of the wild snow competition.
(This article is from The Paper, please download the "The Paper" APP for more original information)
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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。

Is your financial literacy up to standard? Central bank survey: consumers should save enough for unexpected expenses

  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)