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　　Source: Global Doing Business Report 2020 Layout Design: Cai Huawei

　　Since the 18th National Congress of the Communist Party of China, the CPC Central Committee and the State Council have attached great importance to optimizing the business environment. Relevant institutional systems have been continuously improved, market access has been greatly relaxed, fair supervision has been accelerated, and government services have been continuously optimized. But at the same time, there is still room for further improvement in the degree of marketization, the guarantee of rule of law, the pace of internationalization, and the level of convenience. It still takes a long time to create a first-class business environment.

　　A few days ago, Chinese People’s Political Consultative Conference held a biweekly consultation forum to discuss and discuss the issue of "continuously optimizing the business environment".

　　— — Editor

　　Strengthen the top-level design and improve the system and mechanism

　　Yang Weimin, member of the Standing Committee of Chinese People’s Political Consultative Conference and deputy director of the Economic Committee:

　　It is suggested that building a modern first-class business environment should be an important goal of the 14 th Five-Year Plan, and optimizing the business environment should be the primary task of the government to promote development. First of all, we should continue to relax market access, remove hidden barriers, and promote decentralization and power reduction. Secondly, it is necessary to speed up the construction of digital government, open up "data islands" in various departments and regions, and promote online handling of enterprise-related matters. The third is to formulate a national unified list of fees, clean up and standardize the fees charged by enterprises, and strengthen the supervision of fees charged by monopoly industries. The fourth is to optimize the financing environment and form a financial market structure, financial institution structure and financial product structure that effectively serve the real economy. Fifth, the property rights and independent management rights of enterprises of various ownership systems are equally protected according to law. Sixth, protect the legitimate rights and interests of entrepreneurs according to law, and strictly distinguish the legal responsibilities of enterprises and entrepreneurs. The seventh is to establish a long-term mechanism to solve the arrears of corporate accounts. Eighth, improve the national standards for enterprise inspection, reduce the frequency of enterprise inspection, and standardize administrative law enforcement inspection procedures. The ninth is to strengthen the supervision after the event and accelerate the implementation of "double randomness and one openness". The tenth is to enhance the stability and transparency of policies, formulate laws, judicial interpretations and plans related to enterprises, and add hearings for entrepreneurs. The formulation and implementation of plans and policies follow the principle of "non-retroactivity".

　　Member Chinese People’s Political Consultative Conference and Chairman of the Board of Directors of EVOC Hi-Tech Holding Group Chen Zhilie:

　　It is suggested that the evaluation index system of business environment should be introduced into the assessment of local governments in China. At present, the evaluation index system of China’s business environment led by the National Development and Reform Commission has been tried in some cities, and it is hoped that it will be promulgated and implemented as soon as possible. It is suggested that the corresponding assessment index system should be issued at the same time as one of the bases for evaluating the performance of government officials and promoting their posts.

　　It is suggested that local governments issue a "positive list" and a "negative list" in the form of policies and regulations, and set requirements and draw boundaries in building pro-Qing political and business relations. Let entrepreneurs’ evaluation and scoring of local government service level become a system, introduce corresponding assessment rules, clearly require what should be done, reward proactive behavior, and punish lazy politics and cross-line behavior. Advocate government workers to make friends with entrepreneurs, and ask government workers to put their service awareness into action.

　　Improve the level of rule of law and put an end to inaction and chaos

　　Zhang Zhanbin, Member of Chinese People’s Political Consultative Conference and Dean of Marxism College of the Party School of the Central Committee of the Communist Party of China (National School of Administration):

　　The rule of law is the best business environment. It is suggested that all kinds of acts that infringe upon the legitimate rights and interests of private enterprises should be seriously investigated and punished according to law, and the misjudged cases that infringe on the property rights of enterprises should continue to be identified and corrected. Giving private property and public property equal status and equal protection in legislation, paying attention to comprehensively improving the fair and just property rights system, comprehensively and equally protecting private economic property rights according to law, improving the effective prevention and normalization correction mechanism of cases involving property rights wrongs, and severely investigating and punishing all kinds of acts that infringe on the legitimate rights and interests of private enterprises according to law have become a major event in governing the country. Two years ago, the people’s court retried several typical cases according to law, and the social response was very good.

　　Strengthen judicial protection and strictly distinguish the legal responsibilities of enterprises and entrepreneurs. To implement the strategic deployment of the Party Central Committee to protect the legitimate rights and interests of enterprises and entrepreneurs, such as property rights and intellectual property rights, it is necessary to make precise policies. The key point is to strictly distinguish the actual boundaries between enterprise economic disputes and criminal offences, and strictly distinguish the legal responsibilities of enterprises and entrepreneurs. Public security organs should avoid using criminal investigation power to intervene in economic disputes, resolutely prevent economic disputes from being treated as crimes and turn civil liability into criminal liability. Improve the legal system involving the seizure, seizure, freezing and disposal of enterprises and entrepreneurs’ property, and improve the procedures and methods of administrative law enforcement.

　　Gu Zhenchun, member of the Standing Committee of Chinese People’s Political Consultative Conference and deputy director of the Standing Committee of Heilongjiang Provincial People’s Congress:

　　In view of the problems of "emphasizing investment and neglecting business" and individual grassroots inaction and chaos, the northeast region has continuously improved the reform of institutional mechanisms and the business environment has improved. However, there is still a gap in the horizontal ratio. It is suggested that:

　　Strengthen the guidance of national strategy. It is suggested that the reform and innovation measures in various places should be systematically integrated and replicated. Help introduce resources in some key industries, and reduce the essential costs of enterprises around taxes, financing and logistics.

　　Promote good governance with good laws and protect the legitimate rights and interests of enterprises. Establish a fault-tolerant mechanism for entrepreneurs, strictly regulate the legal procedures for handling cases involving enterprises, and prudently take compulsory measures according to law to minimize the impact on normal production and business activities; Provide enterprises with "one-stop" service for litigation, divert the complexity of cases, and quickly mediate and judge simple cases by the fast-cutting team; Resolutely put an end to "new officials ignoring old accounts", and suggest "looking back" on local governments’ arrears of corporate accounts, so as to avoid "everything should be cleared up" on the surface, but it has been delayed for a long time in the name of auditing.

　　Building a Digital Government and Protecting Business Secrets

　　Miao Wei, member of Chinese People’s Political Consultative Conference and deputy director of the Economic Committee:

　　At present, it is difficult to share data across departments, regions and levels, which is still the difficulty and blocking point in building a digital government and optimizing the business environment. In order to accelerate the orderly sharing of data and solve the problem of "digital island", it is suggested that:

　　Accelerate data legislation. As soon as possible, laws and regulations on the development and utilization of government data and the protection of personal data will be promulgated, a unified big data management organization will be established, and the boundaries of data ownership, management, use and supervision will be defined, so as to realize the collection, aggregation, sharing, management and utilization of data according to law.

　　Expand data sources. Mobilize the enthusiasm of all social subjects and form an all-round, multi-level and wide-ranging government data information source. Improve data quality, unify standards, optimize management and supervision and monitoring, so that government data can be released in time, responded immediately and fed back quickly.

　　Strengthen the application of traction. Expand the development of application scenarios, speed up the deep integration of public data and industry data, explore the establishment of a number of high-quality applications based on government data, reflect the actual needs of society, promote the socialized application and convenient use of public data, and continue to promote the improvement of business environment.

　　Member Chinese People’s Political Consultative Conference and Chairman of Wuhan Gaode Infrared Co., Ltd. Huang Li:

　　Some employees in high-tech enterprises have mastered the company’s business secrets, but they have been poached by other enterprises with high salaries. There are also some employees who, through frequent job hopping, sell the stolen business secrets of the company to the next enterprise to make a profit. These phenomena are common in high-tech enterprises. On the protection of trade secrets, the following suggestions are put forward:

　　Further improve the laws, regulations and operational mechanism with the protection of trade secrets as the core. On the one hand, we should speed up the formulation of trade secret protection law, scientifically define the scope of trade secret protection and the protection measures that trade secret holders can take, appropriately reduce the burden of proof of the infringed, increase the punishment, increase the illegal cost, and solve the problem of obtaining evidence of infringement. On the other hand, the relevant departments make conditional open inquiries about the payment of social security by workers.

　　Launch a special campaign to crack down on infringement of trade secrets. Strengthen the supervision and enforcement of acts of infringing trade secrets, and increase the handling of cases of infringing trade secrets across regions and industries. The relevant departments set up a permanent coordination body to handle complaints, reports and filing of similar cases in enterprises, especially to solve the problems of difficulty in obtaining evidence and filing cases in enterprises.

　　(Interview by reporter Li Changyu)

　　People’s Daily (18th edition, February 18, 2021)

CCTV News:On the 9th, the World Trade Organization released the 2019 Global Trade Report. The report points out that service trade has become the most dynamic trade form in global trade and will play an increasingly important role in the next few decades.

WTO Director-General Azevedo called on countries to strengthen international cooperation to cope with future trade trends.

Azevedo, Director General of the World Trade Organization:In developing countries, the service industry accounts for at least two-thirds of economic output, and more than two-thirds of jobs are provided by the service industry, while in developed countries, the proportion can reach four-fifths.

The report shows that since 2005, the average annual growth rate of global trade in goods has been 4.6%, while the growth rate of global trade in services has reached 5.4%— — In many developing economies, the growth rate of service trade can reach 10%, occupying an important position.

The report also emphasizes that due to the limitations of cross-border trade in services and the regulatory restrictions of many service industries, barriers to trade in services are still much higher than trade in goods.

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　　Xinhuanet Beijing, April 28th The Yangtze River, the mother river of the Chinese nation.

　　From April 24 to 26, 2018, General Secretary of the Supreme Leader came to Hubei and Hunan provinces along the Yangtze River to board the dam, take a river boat, enter the enterprise and visit the village … … On-the-spot investigation and research on the restoration of the Yangtze River ecological environment, and presided over a symposium to further promote the development of the Yangtze River Economic Belt, so as to guide the development of the Yangtze River Economic Belt.

　　Step by step, sincere and sincere;

　　What is said is meaningful.

　　Throughout the history of Chinese civilization, from Bashan and Shushui to Jiangnan water towns, the Yangtze River basin has cultivated outstanding people and cultivated the ideological elites of past dynasties, and countless romantic figures have emerged.

　　For thousands of years, the Yangtze River basin has been linked by water, connecting the upstream and downstream, the left and right banks and the main tributaries, forming a large economic and social system. Today, it is still an important link connecting the Silk Road Economic Belt and the 21st century Maritime Silk Road.

　　In the face of the ever-flowing river, the Supreme Leader said many times with deep affection: "To promote the development of the Yangtze River Economic Belt, we must consider the long-term interests of the Chinese nation, take the road of ecological priority and green development, and make the green mountains and green mountains produce great ecological, economic and social benefits, so that the mother river will always be full of vitality."

　　Qinghai plateau, the mountains are towering. On the afternoon of August 22, 2016, the Supreme Leader drove to Jiangyuan Village, the mayor of Tanggula Mountain, Golmud City, to learn about the relocation of ecological immigrants. He pointed out that protecting the source of the Three Rivers is a major policy determined by the CPC Central Committee, and ecological migration is an important measure to implement this policy, which must be well organized and implemented.

　　Liangjiang New District is full of energy. On the afternoon of January 4, 2016, the Supreme Leader came to the front platform of Chongqing Orchard Port Terminal to inspect the Yangtze River shipping and port loading and unloading operations. He pointed out that promoting the development of the Yangtze River Economic Belt has provided an important carrier for Chongqing to better integrate into the central and eastern regions. Chongqing has great development potential and bright prospects.

　　Jingchu land, rivers and rivers. On the morning of July 21st, 2013, the Supreme Leader braved the heavy rain to go to Yangluo Container Port Area of Wuhan Xingang, rolled up his trouser legs, held an umbrella and waded through the accumulated water to learn about the cargo throughput of the port. He stressed that the Yangtze River basin should strengthen cooperation, give full play to the role of inland navigation, develop river-sea combined transport, and turn the whole basin into a golden waterway.

　　The land of Sanxiang is full of vitality. From November 3 to 5, 2013, the Supreme Leader came to Xiangxi, Changsha and other places to go deep into rural areas, enterprises and universities to inspect the economic and social development. He hopes that Hunan will give full play to the location advantages of the junction of the Yangtze River open economic belt and the coastal open economic belt and accelerate the formation of a new development pattern.

　　By Chongming Island, rivers and seas meet. In April 2007, the supreme leader, then secretary of the Shanghai Municipal Party Committee, made an investigation in Chongming and inspected the construction site of the Yangtze River Tunnel and Bridge Project which was under construction at that time. He pointed out that Chongming should be built into a modern ecological island with harmonious and beautiful environment, intensive use of resources and coordinated economic and social development.

　　As early as 2001, the supreme leader, who was the governor of Fujian Province, suggested that Fujian "should pay attention to finding its own position from the overall situation of national development, and connect the prosperity belt on the west side of the Taiwan Strait, which is being built, with the two economically active areas of the Pearl River Delta and the Yangtze River Delta".

　　This important exposition plans the development of a province from the overall perspective, which fully embodies the broad pattern of "taking the Yangtze River Economic Belt as a basin economy", "comprehensively grasping and making overall plans" and "realizing the coordinated development of the upper, middle and lower reaches and the interactive cooperation between the eastern, central and western regions".

　　During his tenure as secretary of the Zhejiang Provincial Party Committee, the Supreme Leader repeatedly talked about promoting the integrated development strategy of the Yangtze River Delta region, and clearly put forward the development idea of "strengthening regional ecological construction and environmental protection, intensively utilizing limited resources, and accelerating the establishment of a sustainable resource and environment support system", which laid a theoretical and practical foundation for formally proposing that the development of the Yangtze River Economic Belt must take the road of ecological priority and green development.

　　In May 2004, the Supreme Leader also led a delegation of Zhejiang Party and government to visit Sichuan, Chongqing and Wuhan along the Yangtze River, and boarded the Three Gorges Dam under construction.

　　After working in the central government, the top leaders held relevant meetings for many times, delivered important speeches, and made major decision-making arrangements for implementing the development strategy of the Yangtze River Economic Belt — —

　　Take the overall situation into consideration. In December 2014, the General Secretary of the Supreme Leader made important instructions, emphasizing that the construction of the Yangtze River Economic Belt should adhere to the idea of a chess game, straighten out the system and mechanism, strengthen overall coordination, give full play to the role of the Yangtze River golden waterway, and provide new support for the overall development of the country.

　　Focus on the long-term and fully deploy. On January 5, 2016, General Secretary of the Supreme Leader held a symposium to promote the development of the Yangtze River Economic Belt in Chongqing and delivered an important speech, which comprehensively and profoundly expounded the great significance, promotion ideas and key tasks of the development strategy of the Yangtze River Economic Belt.

　　Love is sincere, and protection comes first. On January 26, 2016, General Secretary of the Supreme Leader presided over the 12th meeting of the Central Financial and Economic Leading Group to study the development plan of the Yangtze River Economic Belt. He pointed out that all economic activities involving the Yangtze River should be based on the premise of not destroying the ecological environment.

　　Maintain strength and develop green. During the two sessions of the National People’s Congress in 2018, the General Secretary of the Supreme Leader stressed during the deliberation of the Chongqing delegation that if the Yangtze River Economic Belt is developed, the enthusiasm below will be very high and the investment drive will be very strong. In the end, the ecological environment will be damaged.

　　Grasp the law and point out the direction. On April 26, 2018, the Supreme Leader presided over a symposium to further promote the development of the Yangtze River Economic Belt, and clearly put forward five relationships that need to be correctly grasped to promote the development of the Yangtze River Economic Belt under the new situation.

　　What is deeper than the Yangtze River is people’s feelings.

　　Under the strong leadership of the CPC Central Committee with the Supreme Leader as the core, the Yangtze River Economic Belt will be built into a golden economic belt with more beautiful ecology, smoother traffic, more coordinated economy, more unified market and more scientific mechanism in the near future. (According to Xinhua News Agency’s "Xinhua Viewpoint" Weibo report planning: Huo Xiaoguang, Lai Xiangdong Text: Zhang Xiaosong, Rong Qihan Photography: Lan Hongguang, Ju Peng, Li Xueren, Xie Huanchi, Pang Xinglei, Yip Wong, Xiong Qi, Liu Chan, Ou Dongqu, Zheng Jiayu)

　　[Introduction] Vanke’s revenue in the first three quarters was nearly 219.9 billion yuan and 113,000 suites were delivered.

　　On the evening of October 30th, Vanke Enterprise Co., Ltd. (hereinafter referred to as Vanke) released its report for the third quarter of 2024. According to the third quarterly report, Vanke’s revenue in the first nine months was 219.89 billion yuan, and all public bonds were paid during the year.

　　Vanke’s revenue in the first nine months was 219.89 billion yuan.

　　The data shows that from January to September this year, Vanke’s accumulated operating income was 219.89 billion yuan; The net loss attributable to shareholders of listed companies was 17.94 billion yuan.

　　Among them, Vanke achieved operating income of 77.12 billion yuan in the third quarter; The net loss attributable to shareholders of listed companies is 8.09 billion yuan.

　　Regarding this performance loss, Vanke explained in the quarterly report that it was mainly due to the decline in the settlement scale and gross profit margin of development business, provision for impairment, some non-main financial investment losses, and the transaction price of some assets and equity was lower than the book value.

　　According to the announcement, from January to September, the gross profit margin of Vanke’s real estate development business was 8.3% before tax, 2.7% after deducting taxes and surcharges, 9.5% before tax and 4.9% after tax.

　　In fact, under the deep adjustment of the industry, the loss of housing enterprises is a common phenomenon, and the current first priority of housing enterprises is to ensure the safety of cash flow. According to the incomplete statistics in the semi-annual report period, over 60% of listed housing enterprises suffered losses, and the accumulated losses exceeded 100 billion yuan.

　　"In the case that the market scale has shrunk significantly in the past two years, full sales means trading at a price, and asset transactions have to be sold at a loss. The price of survival with a broken arm is often a big loss. In addition, the high-priced and restrictive land used in the high-speed development stage has further squeezed profits. Under the superposition of various factors, losses are more common. " A capital market person said.

　　All public bonds have been paid this year.

　　The third quarterly report shows that during the reporting period, Vanke continued to carry out its work around "guaranteeing the delivery of houses, guaranteeing payment, and transforming high-quality development".

　　In terms of delivery, in the first three quarters, Vanke completed the delivery of 113,000 suites on schedule with good quality, continued to promote the work of handing over certificates upon delivery, promoted property services in 51 large-scale projects, improved community business, transportation and education facilities, and created a community atmosphere. The increase in occupancy rate also promoted project sales.

　　It is understood that Vanke’s sales in the first three quarters exceeded 180 billion yuan, which outperformed the market. During the year, all new investment projects achieved 100% cash opening. Since 2023, the inventory capacity has exceeded 47 billion. After a series of policies were introduced at the end of September, Vanke also actively grasped market opportunities and achieved hot sales in many places.

　　It is understood that in recent years, Vanke has actively developed cutting-edge products that adapt to urban development trends, achieving hot sales in many first-tier and provincial capital cities, and its sales have remained at the forefront of the industry.

　　As a head housing enterprise, Vanke’s cash flow and financing situation have also received much attention from the market. In terms of public debt payment, in the third quarter, the Group achieved a net operating cash flow of 330 million yuan, which has remained positive since the second quarter.

　　According to the third quarterly report, as of the end of September, Vanke had completed the repayment of 19.7 billion yuan of public debt, and repaid about 70 billion yuan of interest-bearing debt in the first three quarters. There were no domestic and foreign public bonds due during the year.

　　Vanke said that during the reporting period, the Group took various measures to promote payment and ensure the smooth payment of public debts, including insisting on active sales, revitalizing existing resources, promoting bulk asset transactions and expanding asset withdrawal channels.

　　Among them, in terms of expanding asset exit channels, Vanke and CITIC and Taikang jointly established CITIC Vanke Consumer Infrastructure Pre-REIT Fund, and signed contracts for Shenzhen Longgang Vanke Plaza and Beijing Jiugong Vanke Plaza projects.

　　By the end of September, Vanke’s interest-bearing liabilities totaled 327.61 billion yuan, of which interest-bearing liabilities for more than one year accounted for 64.4%; The net debt ratio was 66.2%, and the asset-liability ratio excluding advance receipts was 65.4%, down 0.1 percentage point from the beginning of the year; The monetary funds held are 79.75 billion yuan.

　　On the whole, insiders pointed out that in the first three quarters of this year, in the face of the deep adjustment of the market, Vanke made full efforts to achieve both "guaranteed delivery" and "guaranteed payment".

　　The latest disclosure of the three main businesses

　　In April this year, Vanke proposed to focus on three main businesses: comprehensive residential development, property services and rental apartments. The latest third quarterly report also disclosed the status quo of these three main businesses.

　　According to the third quarterly report, in terms of real estate development, in the third quarter, Vanke achieved a contracted sales area of 3.913 million square meters and a contracted sales amount of 53.87 billion yuan, down 24.9% and 29.7% respectively.

　　In the first three quarters, Vanke achieved a total contracted sales area of 13.308 million square meters and contracted sales amount of 181.20 billion yuan, down 26.8% and 35.4% respectively.

　　Affected by favorable policies, the overall market activity increased during the 11th period. Vanke achieved good sales performance during the 11th holiday, achieving a subscription amount of 10.22 billion yuan, and the average daily subscription increased by 113% compared with the Mid-Autumn holiday. Among them, the conversion rate of visits in South China and Shanghai increased significantly, and the National Day subscription increased by more than 2 times compared with the Mid-Autumn holiday.

　　By the end of September, there were 19.616 million square meters of sold resources within the scope of Vanke’s consolidated statements, and the total contract amount was about 292.94 billion yuan.

　　In terms of property services, Vanke actively relies on service quality and brand advantages to expand high-quality projects, and continues to consolidate the quality of basic property services, and its smart property service capabilities are recognized.

　　According to the third quarterly report, in view of the listing of Wanwuyun on the Stock Exchange of Hong Kong Limited, detailed financial data on property services need to refer to its subsequent periodic reports.

　　In terms of renting apartments, the scale and efficiency of long-term rental apartment business remain the first in the industry. According to the announcement, in the first three quarters, Vanke’s rental housing business (including non-consolidated projects) achieved operating income of 2.63 billion yuan, a year-on-year increase of 3.7%. In the third quarter, Vanke’s "Park House" newly expanded 8641 houses and newly opened 4865 houses.

　　By the end of September, Boyu had operated and managed 247,000 long-term rental apartments, and opened 187,000 apartments, with a occupancy rate of 94.9%. In addition, Boyu actively responded to the national insurance policy, and 117,000 of the rented houses managed were included in the affordable rental housing.

For more than 30 years, he devoted himself to the research of network financial security, overcame the major technical problems of instantaneous accurate identification of system risk prevention and control, presided over the establishment of China’s first network transaction risk prevention and control system, system and standard, and made pioneering contributions for China to become an international "leader" in this field, providing effective support for China’s Internet finance volume to jump to the first place in the world. The achievements serve the national anti-financial fraud, escort the financial, trade, e-commerce, banking, insurance and other industries, and ensure the national financial security, which has been highly praised by the national regulatory agencies.

He is Jiang Changjun, a newly elected academician of China Academy of Engineering and professor of School of Electronics and Information Engineering of Tongji University.

China’s first network transaction risk prevention and control system

168.2 billion yuan, 213.5 billion yuan, 268.4 billion yuan, 498.2 billion yuan … This is the turnover of Tmall’s "Double Eleven" in the past four years. In the "Double Eleven" that just passed this year, Tmall’s turnover reached a new high of 540.3 billion yuan. It is proud that, as the representative of digital economy, the risk prevention and control technology developed by Jiang Changjun and his team is behind Alibaba’s vigorous development.

With the rise of e-commerce and the rapid development of Internet payment, how to prevent and control the risks involved? How can the electronic payment platform not only deal with the flood peak-like transactions, but also deal with the security problems of transactions, and instantly identify the "black hand" hiding behind the transactions and trying to steal other people’s accounts and passwords through Trojan horses?

In 2006, after encountering this technical problem, Alipay found Jiang Changjun, hoping that he could put forward new methods for anti-fraud in online transactions.

"Financial security concerns national security, and we are duty-bound." Jiang Changjun said. "The difficulty is that, on the one hand, the previous risk control is based on identity authentication, and it is difficult to identify identity theft and transaction fraud; On the other hand, transaction fraud shows a trend of high concealment and variability, and the risk control technology for specific scenarios (such as payment) is difficult to cope with all kinds of online transaction cross-industry portfolio fraud, lacking universality and systematicness. "

In the absence of successful experience at home and abroad, Jiang Changjun led the team to build the first risk prevention and control system of online transactions from scratch with "behavior authentication" as the core-based on behavior identification, it can accurately determine and instantly identify transaction fraud and stop fraudulent transactions in real time.

"In real life, everyone’s behavior habits will be reflected in words and deeds. The same is true on the Internet. Any small behavior will leave a’ trace’, and the equipment used, the duration and the frequency … will form a habit over time. " Jiang Changjun said, "This habit is as difficult to copy as fingerprints, and it is more complicated than passwords. Through in-depth analysis of these’ traces’, online transaction payment users can be instantly and accurately identified.". By collecting and analyzing the fragmented data left by users in the system, Jiang Changjun team constructed a representation model reflecting the user’s behavior texture. This representation model is different from the existing behavior portraits, and its emphasis is on representing the user’s internal behavior mechanism. Although fraudulent means are changeable, it is difficult to match the invariable behavior texture of legitimate users, so as to realize the authenticity identification of transactions.

The breakthrough of behavior authentication technology comes from basic research.

"To solve the security problem of online transactions and build a new real-time identification system to prevent identity theft and transaction fraud involves very basic theoretical problems." At the beginning, Jiang Changjun really thought about this tough nut to crack for some time.

"In fact, we have to solve not only the transaction fraud, but also the flood of online transactions." For example, in 2020, the order creation peak of Tmall’s "Double Eleven" reached 583,000/s, making it the largest traffic peak in the world. Jiang Changjun told reporters that the explosive growth of Internet application business, instant massive access easily leads to system paralysis, and such incidents have occurred in Amazon, Google, 12306, etc., resulting in huge economic and social impact.

"To solve the problem, it is urgent to create adaptive, real-time and efficient concurrent computing technology." Thus, Jiang Changjun thought of his doctoral thesis and postdoctoral report in Chinese Academy of Sciences. In his doctoral thesis, he established the PN machine behavior theory of network concurrent system, and later, during the postdoctoral research, he proposed a concurrent program verification method based on the PN machine behavior theory. Referring to his vision many years ago, he laughed and said, "Maybe this is my mission."

Having found the breakthrough and direction, Jiang Changjun devoted himself to tackling key scientific problems and constantly overcame technical difficulties.

Combined with the characteristics of online trading, he proposed the behavior authentication method of concurrent decoupling and risk control of trading system, and led the team to develop a large-scale distributed real-time prevention and control platform and special equipment for transaction payment risk, innovatively proposed the hierarchical diagnostic cloud technology system and risk intelligent analysis method for fingerprint verification of trading system, intelligent general inspection-special diagnosis-consultation of abnormal trading, changed special technology into common technology, and established a set of common method base for risk control. A number of risk control tools have been developed, and a cloud platform for online financial risk control has been established, which effectively solves the problems of consistent anti-fraud game and universality of risk control technology, makes China’s technology in this field reach the international leading level, and significantly enhances China’s international position in the Internet industry.

Rich original achievements have won unanimous recognition in the industry. The evaluation results of Asoke Nandi, an academician of the Royal Academy of Engineering, "put forward the original theory and technology of behavior authentication for risk prevention and control of online transactions". Professor R. Prasad, a fellow of IEEE (Institute of Electrical and Electronics Engineers), commented that "spatial correlation is used to study the optimal trade-off between aggregation throughput and aggregation efficiency". The achievement was shortlisted in the 2019 world internet conference Achievement Case Collection in Wuzhen, and successively won the second prize of the National Technology Invention Award, the second prize of the National Science and Technology Progress Award, the first prize of the Wu Wenjun Artificial Intelligence Technology Invention Award, and many international awards, such as HO PAN CHING YI Award, a representative award in the field of international discrete event dynamic systems.

Casting China Shield for Network Finance Security

Today, Alipay’s intelligent real-time risk control system has been upgraded to the fifth generation, which has helped Tmall to successfully survive many trading peaks such as "Double Eleven". The Alipay system has been tested and won praises from the industry. So far, Alipay has never experienced large-scale downtime and collapse, which is admired by the industry for a payment platform with an annual transaction volume of trillions.

Jiang Changjun showed such a set of data: PayPal, the largest online payment platform in the United States, has a transaction loss rate of 1.9 per thousand, while Alipay, which provides online payment services to more than 900 million real-name users in more than 200 countries and regions around the world, has reduced its transaction loss rate to 5 per million after applying their achievements, and the direct release rate of trusted transactions by the risk control system has increased to 96.91%, with an average response time of only 44.14 milliseconds.

Many teachers and students in the R&D team frankly said that their greatest sense of accomplishment is to see the skyrocketing transaction data, but the payment platform is still running smoothly and safely, and the technology they participated in can stand the test and provide convenience for consumers.

"The value of scientific research lies in benefiting the people." Jiang Changjun has always advocated and adhered to the pursuit of scientific research. In his view, it is not only the paper that can best prove the value of his research, but more fields can directly apply relevant results.

Indeed, it is not only Alipay and the online shopping army that benefit.

Jiang Changjun introduced that up to now, the achievements have been successfully applied in more than 500 enterprises including China Industrial and Commercial Bank, Sunshine Insurance, Shanghai International Pilot Free Trade Zone and Shanghai National E-commerce Comprehensive Innovation Practice Zone.

The application field is also expanding. In recent years, the achievements have served the national anti-financial fraud, successfully applied in the national anti-fraud center, effectively supported the "Yun Jian 2020" action of the Ministry of Public Security, and provided a strong guarantee for the healthy development of China’s Internet finance, which was fully affirmed by the national regulatory authorities. The achievements have also been successfully applied in transportation, security and other fields in 20 provinces, and played an important role in major events such as Shanghai World Expo and Beijing Olympic Games. The achievements also serve cross-domain aerial reconnaissance, surveillance, tracking, etc., realizing the dynamic perception and behavior monitoring of moving targets, ensuring the airspace safety, and playing an important role in the work of national day celebration cooperation and stability monitoring.

At present, he is leading the Shanghai Network Finance Security Collaborative Innovation Center to strengthen in-depth cooperative research with China People’s Bank digital currency Research Institute, Bank of China, non-bank payment institution online payment and clearing platform (Netlink) and other related financial institutions and enterprises, so as to provide security guarantee for the healthy and orderly promotion of digital RMB, thus laying an important foundation for the development of digital economy and constantly making it stronger and better. (Wei Dan)

Screenshot of Zhao Ziqi Weibo

Lu Jinbo condemned in Weibo.

Zhao Ziqi (data map)

　　Recently, a media reported that Zhao Ziqi got the role of No.1 female in Farewell to Vancouver by sleeping with the director, and Zhao Ziqi denounced the media as shameless in Weibo. However, the media deleted the news and re-edited it the next day. To this end, Zhao Ziqi couldn’t bear it. On November 15th, he wrote an open letter to Zhang Chaoyang, CEO of the website in his Weibo, denouncing the media for its vulgarity and anti-morality, spreading rumors and slanders for a little traffic, and revealing how people spread false news that year. Zhao Ziqi’s husband, Lu Jinbo, also said that this was an organized crime and would take action to discuss it.

A media re-transmitted Zhao Ziqi’s video of sleeping with him, and Lu Jinbo denounced it as an organized crime.

　　A few days ago, a media produced a video and broke the news: "Zhao Ziqi, the former anchor of CCTV Economic Channel, was forced to have sex with a director named Zhao. It is reported that Zhao Ziqi did not know the director. However, after sleeping in the same room, I successfully got the opportunity of the heroine in Farewell to Vancouver. " On this rumor, Zhao Ziqi angered the media for being shameless in Weibo that day.

　　On the morning of the same day, Zhao Ziqi protested against the media’s behavior again in Weibo, because the media re-edited and released a video of Zhao Ziqi’s accompanying sleep on the same day after deleting the video. Zhao Ziqi wrote in Weibo at 12: 34 on the same day: "After XX deleted the rumor video that infringed my reputation that afternoon, it re-edited and released another one at 8: 08 am. Editor Sun Yang, can you be responsible for your actions? "

　　Zhao Ziqi’s husband, Lu Jinbo, also said that such behavior was an organized crime. He wrote in Weibo: "XX was published by the editor" Shi Shaonan "on the 12th, and was deleted after warning. On the morning of 15th, it was released again by the editor "Sun Yang". This is an organized and unscrupulous crime. Decided to take all possible actions against XX. "

Next page: Zhao Ziqi sends an open letter to confront Zhang Chaoyang: You can kill and set fire to people for traffic?

ICAR 03 has excellent performance.

In terms of power, it has single-motor and dual-motor versions. The four-wheel drive version has a maximum power of 205 kW, a peak torque of 385 Nm, and an acceleration of 6.5 seconds per 100 kilometers. It has sufficient power and strong low-torque output, and can cope with light off-road and large uphill and cross-axis. Its four-wheel drive structure adopts iWD intelligent electric four-wheel drive, providing a variety of driving modes. The cruising range is 401-501km.

The appearance adopts square box shape, the lines are neat and straight, and hard-core and durable. The front face, side face and tail are designed regularly, the headlight group and daytime running lights are just straight, the waistline and other lines are parallel, and there are many body colors. In terms of dimensions, the length, width and height are 4406/1910/1715mm respectively, and the wheelbase is 2715mm, providing 18-inch and 19-inch rims.

The interior inherits the hard-core style, and the technology of new energy is simple. The configuration and materials show the youthful aesthetic and luxurious quality, which is almost impeccable. Equipped with 9.2-inch LCD instrument and 15.6-inch central control panel, it has built-in rich functions, crystal knob and encryptable glove box, and the four-tone voice system can control most in-car functions. The seats are comfortable, with enough lateral and overhead space. The whole system comes standard with a variety of practical configurations, and more high-end configurations are added to the middle and high-end models.

The level of intelligent driving assistance reaches L2+, and it has the functions of route memory, high-speed NOA, intelligent parking and so on. In terms of off-road performance, it has a approach angle of 26, a departure angle of 29 (full load) and a minimum ground clearance of 200mm (no load), which can meet the moderate off-road requirements. All-aluminum body design, equipped with anti-roll system, 10mm sandwich structure protective armor, Contemporary Amperex Technology Co., Limited customized battery and thermal runaway monitoring and early warning to ensure safety.

In terms of driving experience, the driving quietness, chassis vibration filtering ability and sound insulation of the carriage are all good, and the suspension is tough and supportive, giving consideration to handling and comfort. In terms of intelligent driving, it can automatically change lanes, optimize lane selection, perform well in high-speed forks and other scenes, and can also cope with complex situations such as tunnels and construction sections. APA automatic parking assistance can identify extremely narrow parking spaces. Its high-performance chip cooperates with multiple sensors, and the decision-making process conforms to human logic.

In a word, ICAR 03 has excellent performance, outstanding product strength in the same level, unique design and extraordinary sense of grade.