Original click on the starboard food table on the right

Did everyone eat zongzi on Dragon Boat Festival ~

Even during the Chinese New Year, we have to distinguish between "jiaozi School" and "Tangyuan School", but this Dragon Boat Festival, Zongzi is always a fixed program.

In order to visit the best zongzi in the country, Taiwan and Taiwan have gone deep into six provinces in the north and south and traveled tens of thousands of kilometers.

Our lens has recorded the most famous fresh meat dumplings in Jiaxing, the oldest yellow rice dumplings in Jinzhong in the north, Chaozhou double-spelling dumplings with a clever combination of salty and sweet flavors, as well as Quanzhou roasted meat dumplings, Zhaoqing steamed dumplings, Yunnan rice dumplings and Hainan five-color dumplings. ……

In the past, I only knew whether it was a sweet dumpling or a salty dumpling battle. I didn’t expect to subdivide it. There are many kinds of zongzi in our country, far beyond my imagination!

The zongzi that I want to share with you today is golden and transparent, sticky and sweet, and has a slight sweetness without adding sugar. It is the great predecessor of the zongzi industry-alkaline water zongzi.

Suanshui Zongzi first appeared in the Western Jin Dynasty, so it is not an exaggeration to say that it is the "ancestor" of Zongzi!

The ancient taste of alkaline rice dumplings is the taste of many people’s childhood, and our guest, Mr. Aike, has a "obsession" with it.

This year’s Dragon Boat Festival, please ask Mr. Aike to take us to recreate the taste in this memory ~

Make dumplings.

The traditional alkaline rice dumplings are made of alkaline water from plants, and it is more suitable to use the ashes from the shells of rice straw or tea seeds.

Using plant ash’s soda water test method, the process is very similar to making coffee by hand.

Prepare a filter basket, put a basin under it, put the ash into the filter bag and smooth it, and slowly and evenly pour boiling water on it.

Let the filtered grey water stand for 30 minutes, take out the clear part of the upper layer, and cool it to normal temperature.

Put the washed and drained round glutinous rice into clear alkaline water, soak it for 30 minutes, and then filter it for later use.

Fresh zongzi leaves can’t be wrapped directly, so they should be boiled in clear water for 5-10 minutes, and then soaked in cold water for later use.

Teacher Aike shared two kinds of alkaline dumplings, one made of sappan wood and the other made of bean paste. When you are ready, just open the bag ~

01 | Sumu Suan Shui Zongzi

It is an ancient practice to wrap hematoxylin in alkaline rice dumplings.

Sappan not only has the effects of promoting blood circulation, removing blood stasis, reducing swelling and relieving pain, but also is a natural plant dye.

The cooked Sumu alkaline rice dumplings will reveal a faint deep red color in the golden glutinous rice, which is very beautiful.

The bought sappan wood should be trimmed first and cut into thin strips of uniform size with a knife.

Take a leaf of zongzi, fold it into a funnel shape, fill it with glutinous rice, and put a piece of hematoxylin in the middle.

Compact the rice, and tie the zongzi firmly with zongzi rope.

Click on the picture above to see four ways to wrap zongzi.

The shape of zongzi varies according to preferences. We have shared four ways to wrap zongzi, so let’s review them ~

Sumu alkaline rice dumplings taste sticky and elastic, with a little fragrance of rice, and a touch of sweetness in the faint alkaline taste.

When eating, take out the hematoxylin and dip it in white sugar or osmanthus sauce to eat it best.

02 | Dumplings with bean paste and alkaline water

Sweet alkaline rice dumplings are a good match with delicate bean paste, with a Q-shaped skin, full stuffing and sweet mouth.

First, knead the bean paste stuffing and put it in the refrigerator for later use-if it is soft and collapsed, glutinous rice will be embedded in the stuffing, and the dumplings will not look good!

When wrapping bean paste dumplings, you should first lay the bottom with glutinous rice, add the bean paste stuffing, and then fill it with glutinous rice.

Be careful not to let the rice grains leak out, wrap them and tie them tightly with zongzi rope.

When both kinds of zongzi are wrapped, you can start cooking.

Put zongzi in cold water and cook for two hours. After turning off the fire, continue to soak until it cools, and you can peel it off and enjoy it.

It’s amazing to make zongzi with alkaline water. The ashes of rice straw are made into alkaline water, soaked in rice, and wrapped into zongzi. It’s more beautiful to make the best use of the hair color and fragrance.

What are the characteristics of Zongzi in your hometown? What’s your favorite flavor? Share it with Taiwan ~

Everyone, Dragon Boat Festival is healthy!

Text | Ruka

Figure | Zhong Heng

Original title: "Dragon Boat Festival Ankang, send you an" ancient early rice dumpling ",sweet without sugar! 》

Read the original text

　　At 4: 00 a.m. on July 22nd, in Zhongshan City, a case of COVID-19’s nucleic acid screening positive was found during the nucleic acid detection of those who returned to Guangdong from middle and high risk areas. It was positive after review by the municipal CDC. Zhongshan immediately launched the emergency response plan, quickly entered the emergency state, and carried out the work of tracing the source, personnel investigation and control, nucleic acid detection, control and disinfection of key places.

　　The relevant information is as follows:

　　First, the basic situation of positive cases

　　Guo Moumou, female, 23 years old, is an employee of a company in Zhongshan Health Base, Torch Development Zone, Zhongshan City, and lives in a single dormitory of the company. On the afternoon of July 21st, I went to Torch Development Zone Hospital for COVID-19 nucleic acid detection. In the early morning of July 22, it was reported that the initial screening result of nucleic acid detection was positive, and it was positive after review by the Municipal Center for Disease Control and Prevention, and it was judged as asymptomatic infection, and it was transported to the designated hospital for isolation treatment in a closed loop.

　　Second, the trajectory of positive cases

　　From July 7 to July 14, I had no history of going out in Zhongshan, and mainly worked in the company.

　　On July 14th, Guo Moumou collected throat swabs in Zhongshan Torch Development Zone, and the result of COVID-19 nucleic acid test was negative.

　　On the afternoon of July 15th, I flew to Nanjing in zhuhai jinwan airport and arrived at T2 Terminal of Nanjing Lukou Airport at 21:55.

　　July 16th to 19th at noon, mainly in Nanjing and Wuxi, Jiangsu Province.

　　On the afternoon of July 19th, I departed from Nanjing Lukou Airport Terminal T1 and returned to zhuhai jinwan airport by flight CZ5846 (taking off at 13:35- arriving at 16:05, seat number 54H). After arriving in zhuhai jinwan airport, transfer to the Airport Express to Zhuhai Station, and take the bullet train (D942, Zhuhai Station 18:15- Zhongshan Station 18:38, carriage 13C) to Zhongshan Station. Transfer to buses K08 and 001 and return to the dormitory at about 20: 00 on the same day.

　　On July 20th, I worked in the company from 8:30 to 17:30, and moved downstairs in the dormitory after work.

　　I went to work in the company from 8:30 to 17:30 on July 21st. According to "Warm Tips on Health Management of People Coming (Returning) to Zhongshan in Nanjing" issued by Zhongshan City, I went to the Development Zone Hospital for nucleic acid testing after work, and immediately returned to the dormitory by network car after sampling.

　　Closed-loop transport to designated treatment hospital in the early morning of July 22.

　　Iii. Emergency response

　　On the morning of July 22, Zhongshan City carried out nucleic acid detection and comprehensive disinfection of the environment and personnel in the factory and dormitory areas where the infected people were located.

　　Up to now, 435 close contacts and key people have been identified, and control areas have been delineated according to Guo’s activity trajectory, and control measures have been implemented.

　　It is planned to start the whole city’s nucleic acid screening. Please actively cooperate with the arrangement of the government and the community.

　　The Office of COVID-19 Epidemic Prevention and Control Headquarters in Zhongshan City appeals to the general public, those who took CZ5846 flight from Nanjing to Zhuhai on July 19th, carriage 01 of train D942 from Zhuhai to Guangzhou, and those who took buses K08 and 001 at the same time with Guo Moumou, please report to the community immediately and conduct nucleic acid detection at the nearest COVID-19 nucleic acid detection point.

　　At the same time, please pay attention to the official authority release, do not believe in rumors, do not spread rumors, further raise awareness of prevention, and do a good job in personal hygiene protection. Don’t leave the city, go out of the province or go to middle and high risk areas if it is unnecessary in the near future. If there are returnees from high-risk areas, please do a good job in health monitoring and management according to the announcement and guidance of COVID-19 Prevention and Control Command Office in time.

Jing Hanqing’s name was registered as a trademark.

　　The cybersquatting company first exposed the verbal threat and then showed weakness for peace.

　　On August 5, the reporter met Jing Hanqing. In the past few days, he was overwhelmed by the cybersquatting of his name, and even stopped the short video update.

　　Jing Hanqing introduced that on July 30th, he received an email from "Zhiqiao Electronic Products Sales Department in Jinghu District". The other party claimed that he was the holder of the registered trademark of Jing Hanqing, and said that WeChat official account, a platform operated by Jing Hanqing, had infringed their exclusive right to use the registered trademark.

　　In this regard, Jing Hanqing is puzzled. Then he released a video telling fans that the name he had used for 22 years could not be used.

　　Unexpectedly, a few days later, the other party sent another provocative email: "I wanted to deal with it gently. To tell you the truth, the trademark has been changed several times. If you don’t understand, hire a lawyer early, hire a good team, and don’t fool around all day … …”

　　Seeing this email, Jing Hanqing realized the seriousness of the matter. Not only that, Jing Hanqing also received an infringement complaint when he logged into his self-media account. "They may want to blackmail me with trademarks and let me buy them back." Jing Hanqing said.

　　After Jing Hanqing’s experience was exposed, it immediately attracted the attention of many netizens and the solidarity of other bloggers and lawyers. Perhaps for fear that things would get worse, on August 5th, the company sent a third email to Jing Hanqing, and the tone was obviously softened: There is no point in tossing it over again. Leave a contact information to check with our agent. Next, we will give up sending you the trademark.

　　Online celebrity trademarks are frequently registered, and some companies specialize in malicious registration.

　　Jing Hanqing did not expect that his "positive" relationship with this company attracted many people in the same boat. After this incident, many talented people in online celebrity have come forward to speak out and said that they have encountered similar incidents.

　　The game blogger "Falling Star Commentary" has the same experience. This account has been in operation for 5 years, and has released short videos on multiple platforms, with 3 million fans.

　　Recently, "Falling Star Commentary" suddenly received a message from a company saying that its account has been registered as a trademark. What’s even more amazing is that the company that registered this trademark is the one that holds the "Jing Hanqing" trademark. In fact, this company has registered 103 trademarks in less than two years, most of which are online celebrity bloggers’ accounts.

　　The reporter sent an email interview to this company on August 4, and as of press time, he did not receive a reply from the other party.

　　In addition to Jing Hanqing and "Explanation of Falling Stars", many online celebrity, who has millions of fans, have also come forward to say that their accounts have been registered by different companies. In a WeChat group established by Jing Hanqing, more than 40 group members have the same experience, and more than one cybersquatting company is involved.

　　A blogger who asked not to be named said that he had been "blackmailed" into paying 350,000 yuan as a trademark transfer fee.

　　In fact, malicious cybersquatting has existed for many years, but in the past, it was mostly aimed at movie stars, enterprises and websites, and now such companies have turned their targets to online celebrity bloggers on various platforms.

　　The reporter inquired on China Trademark Network that the name "Jing Hanqing" has been applied for registration as a trademark by seven companies, and the earliest time can be traced back to May 2018, followed by May, June and August of 2018, and February, April and May of 2019, respectively. It was applied for registration by different companies.

　　Lawyer’s point of view: malicious cybersquatting can be invalid.

　　Wang Jingtao, a senior partner of Sichuan Sino-French Law Firm, said that at present, there are companies on the market that are looking for popular IP and rushing to register trademarks. After successful cybersquatting, these companies will launch "rights protection" to the cybersquatters, with the ultimate goal of benefiting from it.

　　Wang Jingtao said that he has taken over many similar complaints. "At present, the public’s understanding of the trademark market is not enough, and the trademark awareness is relatively lacking, which has led to some companies with ulterior motives taking advantage of it."

　　So, how to solve this kind of thing? Wang Jingtao suggested that it can be solved through legal channels. "If it can be judged that it is a malicious cybersquatting, you can apply for the trademark to be invalid."

　　However, in practice, safeguarding rights is not easy. There have been many cases before, in which the parties were registered for trademarks, and they chose to compromise because the cost of rights protection was too high.

　　Wang Jingtao reminded that everyone also needs to raise awareness of trademark registration. When registering platform accounts, it is necessary to register brand trademarks in advance to avoid such incidents from the source. (Reporter Shen Mengyu)

　　According to the statistics of the People’s Bank of China, at the end of the third quarter of 2021, the balance of RMB loans of financial institutions was 189.46 trillion yuan, up 11.9% year-on-year; In the first three quarters, RMB loans increased by 16.72 trillion yuan, a year-on-year increase of 462.4 billion yuan.

　　First, the growth rate of loans from enterprises and institutions rebounded, and short-term loans and bill financing increased significantly.

　　At the end of the third quarter of 2021, the loan balance of local and foreign currency enterprises and institutions was 121.26 trillion yuan, up 11.1% year-on-year, and the growth rate was 0.3 percentage points higher than that at the end of last quarter. In the first three quarters, it increased by 10.72 trillion yuan, a year-on-year decrease of 90.2 billion yuan.

　　In terms of terms, the balance of short-term loans and bill financing was 43.62 trillion yuan, up 4.4% year-on-year, and the growth rate was 2.7 percentage points higher than that at the end of last quarter. In the first three quarters, it increased by 2.06 trillion yuan, a year-on-year decrease of 1.3 trillion yuan. The balance of medium and long-term loans was 74.45 trillion yuan, up 15.3% year-on-year, and the growth rate was 1.5 percentage points lower than that at the end of last year. In the first three quarters, it increased by 8.37 trillion yuan, an increase of 1.09 trillion yuan.

　　In terms of purposes, the balance of fixed assets loans was 52.17 trillion yuan, up 10.7% year-on-year, and the growth rate was 0.7 percentage points lower than that at the end of last quarter; The balance of operating loans was 49.47 trillion yuan, up 10.4% year-on-year, and the growth rate was 1 percentage point lower than that at the end of last quarter.

　　Second, the growth rate of medium and long-term industrial loans slowed down, and the growth rate of medium and long-term real estate loans dropped significantly.

　　At the end of the third quarter of 2021, the balance of medium and long-term loans in local and foreign currency industries was 13.05 trillion yuan, up 24.1% year-on-year, and the growth rate was 1.7 percentage points lower than that at the end of last quarter. In the first three quarters, it increased by 2.04 trillion yuan, an increase of 702 billion yuan. Among them, the balance of medium and long-term loans for heavy industry was 11.22 trillion yuan, up 23% year-on-year, and the growth rate was 1.4 percentage points lower than that at the end of last year; The balance of medium and long-term loans for light industry was 1.82 trillion yuan, up 31.7% year-on-year, and the growth rate was 3.5 percentage points lower than that at the end of last year.

　　At the end of the third quarter of 2021, the balance of medium and long-term loans in local and foreign currency service industries was 49.72 trillion yuan, up 12.4% year-on-year, and the growth rate was 2.1 percentage points lower than that at the end of last quarter. In the first three quarters, it increased by 4.66 trillion yuan, a year-on-year decrease of 155.1 billion yuan. The balance of medium and long-term loans in the real estate industry increased by 0.2% year-on-year, and the growth rate was 3 percentage points lower than that at the end of last quarter.

　　Third, the growth rate of loans in inclusive finance declined at a high level.

　　At the end of the third quarter of 2021, the balance of RMB loans in inclusive finance was 25.81 trillion yuan, a year-on-year increase of 23.1%, and the growth rate was 2.4 percentage points lower than that at the end of the previous quarter; In the first three quarters, it increased by 4.31 trillion yuan, an increase of 630.3 billion yuan.

　　At the end of the third quarter of 2021, the balance of Pratt & Whitney small and micro loans was 18.59 trillion yuan, a year-on-year increase of 27.4%, and the growth rate was 3.6 percentage points lower than that at the end of the previous quarter; In the first three quarters, it increased by 3.5 trillion yuan, an increase of 476.6 billion yuan. The balance of loans for farmers’ production and operation was 6.8 trillion yuan, a year-on-year increase of 13.4%; The balance of business guarantee loans was 234.7 billion yuan, up 18.8% year-on-year; The balance of student loans was 113.6 billion yuan, up 11.1% year-on-year.

　　At the end of the third quarter of 2021, the balance of the original population stock loan was 110.5 billion yuan; The balance of loans for people out of poverty nationwide was 881.9 billion yuan.

　　Fourth, green loans maintained rapid growth.

　　At the end of the third quarter of 2021, the balance of green loans in local and foreign currencies was 14.78 trillion yuan, up 27.9% year-on-year, 1.4 percentage points higher than the end of last quarter, 16.5 percentage points higher than the growth rate of various loans, and increased by 2.74 trillion yuan in the first three quarters. Among them, loans to projects with direct and indirect carbon emission reduction benefits were 6.98 trillion yuan and 2.91 trillion yuan respectively, accounting for 66.9% of the total green loans.

　　In terms of purposes, the balance of loans for green upgrading of infrastructure and clean energy industry was 6.99 trillion yuan and 3.79 trillion yuan respectively, up by 25.7% and 22.8% respectively. In terms of industries, the balance of green loans in electricity, heat, gas and water production and supply industries was 4.08 trillion yuan, up 22.5% year-on-year, and increased by 549.7 billion yuan in the first three quarters; The balance of green loans in transportation, warehousing and postal services was 4.02 trillion yuan, up 14.2% year-on-year, and increased by 370.7 billion yuan in the first three quarters.

　　V. The growth rate of agricultural loans remained stable.

　　At the end of the third quarter of 2021, the balance of agricultural loans in local and foreign currencies was 42.64 trillion yuan, a year-on-year increase of 10.1%, and the growth rate was the same as that at the end of last quarter; In the first three quarters, it increased by 4 trillion yuan, an increase of 299.4 billion yuan.

　　At the end of the third quarter of 2021, the balance of rural loans (at or below the county level) was 35.62 trillion yuan, up 11.3% year-on-year, and the growth rate was 0.2 percentage points lower than that at the end of last quarter. In the first three quarters, it increased by 3.62 trillion yuan, an increase of 334.7 billion yuan. The balance of farmers’ loans was 13.22 trillion yuan, up 13.9% year-on-year, and the growth rate was 1.2 percentage points lower than that at the end of last year. In the first three quarters, it increased by 1.43 trillion yuan, an increase of 124.4 billion yuan. The balance of agricultural loans was 4.59 trillion yuan, up 5.2% year-on-year, and the growth rate was 0.7 percentage points lower than that at the end of last quarter. In the first three quarters, it increased by 327.6 billion yuan, a year-on-year decrease of 96.5 billion yuan.

　　6. The growth rate of real estate loans continued to slow down.

　　At the end of the third quarter of 2021, the balance of RMB real estate loans was 51.4 trillion yuan, a year-on-year increase of 7.6%, which was 4.3 percentage points lower than the growth rate of various loans and 1.9 percentage points lower than the growth rate at the end of last quarter. In the first three quarters, it increased by 3.03 trillion yuan, accounting for 18.1% of the increase of various loans in the same period, accounting for 0.8 percentage points lower than the end of last quarter and 7.3 percentage points lower than the annual level of the previous year.

　　At the end of the third quarter of 2021, the balance of real estate development loans was 12.16 trillion yuan, up 0.02% year-on-year, and the growth rate was 2.8 percentage points lower than that at the end of last quarter. Among them, the balance of affordable housing development loans was 4.64 trillion yuan, down 2% year-on-year, and the decline was 0.5 percentage points higher than the end of last quarter. The balance of individual housing loans was 37.37 trillion yuan, up 11.3% year-on-year, and the growth rate was 1.7 percentage points lower than that at the end of last quarter.

　　Seven, the growth rate of household loans declined slightly.

　　At the end of the third quarter of 2021, the balance of household loans in local and foreign currencies was 69.54 trillion yuan, up 13.2% year-on-year, and the growth rate was 1.9 percentage points lower than that at the end of last quarter. In the first three quarters, it increased by 6.35 trillion yuan, an increase of 225.9 billion yuan.

　　At the end of the third quarter of 2021, the balance of domestic and foreign currency household operating loans was 15.96 trillion yuan, up 20.1% year-on-year, 2.7 percentage points lower than the end of last quarter; In the first three quarters, it increased by 2.34 trillion yuan, an increase of 409.5 billion yuan. The balance of household consumer loans was 53.58 trillion yuan, up 11.2% year-on-year, and the growth rate was 1.8 percentage points lower than that at the end of last year. In the first three quarters, it increased by 4 trillion yuan, a year-on-year decrease of 183.6 billion yuan.

The official propaganda is 400km. Actually, it’s about 360-370km once tried, and it’s a little worse in winter, almost the same as the official propaganda. Anyway, I’m going to charge it when I have about 100 left, and it’s charging quickly. Accuracy of battery life: the battery life is relatively accurate. It has been running for more than 3,000 kilometers by car. In most urban areas, the power consumption is about 16kw per 100 kilometers, which is not bad. In terms of energy consumption, the advantages of new energy sources are not highlighted!

For a girl like me, the space can be described as spacious. Haha, I am 165 in height and 120 kg in weight. Sitting in the car, no matter my head or legs, there is enough room for activities, and I don’t feel narrow at all, because I will take a few girlfriends out to drink milk tea and go shopping on holidays. They also praised me that this car doesn’t look big. In fact, it is quite spacious when sitting. If you are motivated, if you don’t pursue accelerated passion, its performance is still quite awesome. When waiting for the traffic lights, it is often faster than the car next to it, and the acceleration is very smooth. It may be inferior to those fuel cars at high speed, but basically it can crush all kinds in the urban area. After all, it is an electric motor.

If you look at the appearance, you still have to look at your personal preference. I just prefer this cute style. The more you look at it, the better it looks. When you drive out beautifully, the whole person’s mood will be better. As for the car, it is mainly because you like it. This is the most important thing. The workmanship of the interior is still exquisite, especially the handling of some details, and the joints of the gaps are handled very delicately. It makes you feel that it is not cheap at all, and the materials are very kind, and most of them are covered with soft materials. The visual effect is awesome! Another place worth mentioning is that the intelligent system is really convenient to use and has all kinds of functions. Novices can also control it quickly.

A car with super high cost performance, I don’t think there is anything more worthwhile than it at the same price. If I choose it again, it will still be a good cat. It’s too convenient to reverse the car. Lateral reversing is the shortcoming of many girls. With this, I can easily get in and feel powerful again. Convenience of wireless charging of mobile phone: Although this wireless charging is a bit slow, it improves the convenience and sense of technology of a good cat. App remote control: the remote control is too powerful. In summer, it is set to cool down quickly for 5 minutes before work. How high the temperature is, it will be full of coolness. This is really friendly to the owner. I forgot to bring my key when I changed my bag, and I started the vehicle directly by APP Bluetooth unlocking, and there was no anxiety in an instant.

The steering accuracy of the steering wheel is quite high, which is called a smooth operation. The steering wheel is relatively light, but it won’t make people feel mad, and the steering accuracy is also very high, giving people a practical feeling. The brake is completely determined by the intensity of the individual’s foot stepping, which is easy to control and the design of the seat is very ergonomic. Sitting on it feels good, and the shock absorption is not too hard, so the filtering of road vibration is relatively complete, at least it won’t make you feel particularly bumpy. Although the sound insulation is not particularly perfect, at least when driving often, the people inside the car will not be affected.

This car has three shortcomings:

The first disadvantage is the price of this car. I didn’t give a discount when I bought it. I feel a little worse about the price/performance ratio, but who will like it? Book early, pick up the car early and enjoy it early.

Secondly, due to work reasons, I often drive this car to some places with uneven roads. I feel that if I take that bad road, the sense of bumps is still quite obvious.

Thirdly, I think its disadvantage is probably that the sound insulation effect is not very good. It feels ok if you run at a low speed in the urban area, but if the speed is faster, you can hear more obvious noise. I am very sensitive to hearing, so I feel the need to spit it out.

　　"Happy New Year’s Eve", the 2020 Spring Festival Gala by the Central Radio and Television General Station will be unveiled on New Year’s Eve on January 24th. Today, the Spring Festival Gala program list is freshly released, and all 30 programs are announced.

　　The 2020 Spring Festival Gala adopts the mode of Beijing main venue linking Zhengzhou and Guangdong-Hong Kong-Macao Greater Bay Area, Henan, focusing on the great achievements made in the 70 years since the founding of New China, the decisive battle to build a well-off society in an all-round way in 2020, the decisive battle to get rid of poverty and other themes, as well as the happiness, acquisition, security and pride brought to the people of all ethnic groups in the country, and it is full of joy, auspiciousness and jubilation on the stage of the Spring Festival Gala.

　　This year, the number of language programs reached eight, the highest in the past years. Works such as Interesting Tales of Life, Mother-in-law, Sister Flowers at the Airport, Happiness is actually very simple, Like You, Like Me and so on are closely related to public life, and I strive to enjoy them. The emotional concentration and ideological depth of the works such as "Snow and jiaozi Love" and "Parents Love" pay equal attention to each other. They not only move people with emotion, but also strive to resonate with the audience’s heartstrings at the same frequency, which is more philosophical and enlightening. Through whipping formalism and bureaucracy, "Going Through the Field" makes the people praise the positive wind and discipline in laughter.

　　Song and dance programs, Li Xian, Zhu Yilong, Sandra, Zhou Dongyu, Li Qin, William Chan, LAY, Karry, Wang Jiaer, Yi Qian Qian Xi, Yang Zi, Wang Yuan, Wei Daxun and many other new generation actors sang the youth declaration of the younger generation with songs. Guo Lanying, Li Guangxi, Yang Hongji, Li Guyi, David Jiang, Tong Tiexin and other old artists staged songs, and classic old songs and new songs, such as My Motherland, Good News in Border Villages and Splendid Well-off Society, gathered positive energy, sang the main theme and stirred people’s hearts.

　　In addition, Leo, Eddie Peng Yuyan and Peng Yuchang made a surprise appearance in the magic show, opening the door to the fantasy world with the magician; In the acrobatic program, China acrobatics combines jujitsu with group modeling, which brings strength and beauty to life on the stage of the Spring Festival Evening. The martial arts performance "Wulin Xiongfeng" shows the profound Chinese martial arts spirit in the harmony of martial arts and dance; "Brilliant Pear Garden" is a collection of famous works and plays Four Great Classical Novels.

　　On October 3rd, new minerals were discovered by researchers Ge Xiangkun, Fan Guang and Li Ting of China Nuclear Geological Science and Technology Co., Ltd. (Beijing Geological Research Institute of Nuclear Industry).Nioboaotite (Nioboaotite)It was officially approved by the Committee on New Minerals, Nomenclature and Classification (IMA CNMNC) of the International Mineral Association with the approval number IMA 2022-127a. This was discovered nearly 70 years after the establishment of China’s nuclear geological system.The 13th new mineralIt is another original new discovery of CNNC’s in-depth implementation of innovation-driven development strategy and strong support for basic innovation.

　　The niobium Baotou deposit is found in the world-famous Bayanobo deposit in Baotou City, Inner Mongolia, and occurs in niobium-rare earth-iron ore. It is brown to black, columnar or tabular, semi-autogenous to heteromorphic, and its particle size is about 20-80μ m。 Niobium Baotou ore is a silicate mineral rich in Ba, Nb, Ti, Fe and Cl, and its ideal formula is Ba4(Ti2.5Fe2+1.5)Nb4Si4O28Cl, belonging to tetragonal crystal system and space group I41a (# 88).

　　Backscatter electron image of Niobium Baotou mine

　　In the picture, Bao-Nb— Niobium Baotou mine, Py— Pyrite, Mnz-Ce— Cerium monazite, Dol— Dolomite, Qz — Shi Ying, Clb-Mn— Keywords manganese-niobite, Aes-Ce-Ce refractory stone, Bsn-Ce— Keywords bastnasite, Syn-Ce— parisite

　　Baiyunebo deposit is rich in mineral species. Up to now, more than 150 minerals have been discovered, including 16 new minerals. Nb-Baotou mine is the 17th new mineral discovered in this deposit, and it is a Nb-rich analog discovered in Baotou mine in 1960s. Through this study, the problem of electricity price balance in Baotou mine, which has been debated for a long time in the international mineral circles, has been solved, and it has also laid a theoretical foundation for the research of niobium Baotou mine. Nb-rich Nb-bearing Baotou mine not only increases the types of niobium minerals in the deposit, but also provides a new research perspective for the mechanism of niobium enrichment and integration, and provides a new direction for the development of strategic key metals such as niobium.

　　Crystal structure diagram of niobium Baotou ore [001]

　　The discovery and research of new minerals belong to the category of basic scientific research, which is an important embodiment of human beings’ continuous understanding and discovery of unknown things in nature, and reflects the mineralogical research level of a country. Beijing Geological Research Institute of Nuclear Industry of China National Nuclear Corporation has given full play to the leading role of scientific and technological innovation, systematically established a mineral research technology system, and made new breakthroughs in the field of new mineral research in recent years, leading to the discovery of 11 new minerals, which has made important contributions to China’s new mineral research.

Su Jian zhi an〔2020〕123number

Housing and Urban-Rural Development Bureau (Project Construction Committee), Ecological Environment Bureau, Urban Management Bureau, Nanjing, Wuxi, Suzhou and Nantong Gardens (Municipal) Bureau:

In order to implement the Emergency Plan for Heavy Pollution Weather in Jiangsu Province, do a good job in classified control of dust pollution prevention and control on construction sites, implement the exemption policy for control and support the smooth progress of construction projects, according to the Emergency Plan for Heavy Pollution Weather in Jiangsu Province issued by the general office of the provincial government (Su Zhengban made [2019〕fiveNo.), the Provincial Department of Housing and Urban-Rural Development and the Provincial Department of Ecology and Environment jointly formulated the Emergency Work Plan for Dust Control on Construction Sites in Heavy Pollution Weather in Jiangsu Province (attached), and relevant local departments are requested to seriously implement it.

Contact: Xu Jiaxiang,025-51868699. Mailbox:707373088@qq.com.　

　

　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 Jiangsu Provincial Department of Housing and Urban-Rural Development　　 　　　　Jiangsu Provincial Department of Ecological Environment

　 　 　 　 　2020yeareightmoonsixsun　

(This piece is publicly released)

　

　

Dust from construction sites in heavily polluted weather in Jiangsu Province

Control emergency work plan (for Trial Implementation)

　

First, set the purpose

Implement the Emergency Plan for Heavy Pollution Weather in Jiangsu Province, establish and improve the working mechanism for dust prevention and control at construction sites in heavy pollution weather, and effectively control and reduce the impact of dust on air quality at construction sites.

Second, the basis for formulation

Notice of the State Council on Printing and Distributing the Three-year Action Plan for Winning the Blue Sky Defence War (Guo Fa [2018〕22No.), Notice of the Provincial Government on Printing and Distributing the Implementation Plan of Jiangsu Province’s Three-year Action Plan to Win the Blue Sky Defence War (Su Zhengfa [2018〕122No.), Emergency Plan for Heavy Pollution Weather in Jiangsu Province (Su Zhengban made [2019〕fiveNo.) and other documents.

Third, the scope of application

Dust prevention and control in the construction, reconstruction, expansion, landscaping and demolition of housing construction and municipal infrastructure projects in the province under the condition of heavy pollution weather.

Fourth, the working principle

Construction, urban management and ecological environment departments at all levels shall, under the unified leadership of the local people’s government, follow the principle of "graded responsibility, timely response, coordination and dynamic control".,Do a good job in the prevention and control of dust on construction sites in heavily polluted weather, respond to emergency warning in time, quickly implement emergency measures, strengthen communication and cooperation between departments, and improve joint prevention and control and rapid response capabilities. According to the early warning information, start the corresponding level of response, and make corresponding adjustments with the change of early warning information.

Five, early warning classification and emergency response measures

According to the Emergency Plan for Heavy Pollution Weather in Jiangsu Province (Su Zhengban made [2019〕fiveNumber), early warning from low to high is divided intoⅢ、Ⅱ、IThree levels are marked with yellow, orange and red respectively, and the red warning is the highest level.

(1) Yellow warning: predict the future.48Hourly air quality index of districts and cities (AQI) the average value is reached200Above, or monitoring to districts and cities.SO₂Hourly concentration reached500microgram/More than cubic meters, and did not meet the high-level warning conditions.

startⅢLevel emergency response, emergency response measures are as follows：

1. Increase the frequency of law enforcement inspections on construction sites;

2. Stop blasting, crushing, building demolition, concrete mixing without closure, and stop spraying and painting on outdoor construction sites and shotcreting on slope protection;

3. Earthwork excavation, road surface excavation, road surface washing and planing, earthwork transportation (except that it is transported by closed muck trucks above the national standard 5), floor garbage cleaning and mechanical operations such as crushing, cutting and sawing are suspended;

4. Increase the frequency of sprinkling water on the construction site to reduce dust, mechanically flush the roads at the entrance and exit of the construction site, and strengthen the coverage of the exposed ground that is not hardened, the material yard that is easy to raise dust, and the shutdown site (see Annex for coverage requirements, methods and scope)one）。

(2) orange warning:Predict future persistenceseventy-twoHourly air quality index of districts and cities (AQI) the average value is reached200Above, or monitoring to districts and cities.SO₂Hourly concentration reached650microgram/More than cubic meters, and did not meet the high-level warning conditions.

startⅡLevel emergency response, emergency response measures are as follows:

1. Increase the frequency of law enforcement inspections on construction sites;

2. Stop blasting, crushing, and concrete mixing without closure, and stop painting and shotcreting for slope protection in outdoor construction sites;

3. Except for livelihood security projects, other open-air demolition and construction site operations are suspended (continuous concrete pouring can be carried out normally for technical requirements);

4. Increase the frequency of sprinkling water on the construction site to reduce dust, implement mechanized flushing on the roads at the entrance and exit of the construction site, and strengthen the coverage of the exposed ground that is not hardened, the material yard that is prone to dust, and the shutdown site;

5. Transport vehicles such as bulk materials, coal, coke, slag, sand and earthwork are all prohibited (excluding ready-mixed commercial concrete and mortar, steel, etc.);

6. All fuel engineering machinery is stopped.

(3) Red warning:Predict future persistence96Hourly air quality index of districts and cities (AQI) the average value is reached200Above, or predict the future.24Hourly air quality index of districts and cities (AQI) the average value is reached450Above, or monitoring to districts and cities.SO₂Hourly concentration reachedeight hundredmicrogram/More than cubic meters.

startILevel emergency response, emergency response measures are as follows:

1. Increase the frequency of law enforcement inspections on construction sites;

2. Stop blasting, crushing, and concrete mixing without closure, and stop painting and shotcreting for slope protection in outdoor construction sites;

3. All open-air demolition and construction site operations are suspended (continuous concrete pouring can be carried out normally for technical requirements);

4. Increase the frequency of sprinkling water on the construction site to reduce dust, implement mechanized flushing on the roads at the entrance and exit of the construction site, and strengthen the coverage of the exposed ground that is not hardened, the material yard that is prone to dust, and the shutdown site;

5. Transport vehicles such as bulk materials, coal, coke, slag, sand and earthwork are all prohibited (excluding ready-mixed commercial concrete and mortar, steel, etc.);

6. All fuel engineering machinery shall be stopped (except for emergency rescue).

Early warning at all levels must strictly implement the emergency emission reduction measures for heavily polluted weather stipulated by the state and the province and other response measures specified in the emergency plan.

Construction sites and processes listed in the emergency control exemption list (see annex2), the operation can be carried out in accordance with the exemption management measures during the early warning period.

The early warning information of heavy pollution weather is released or released by the office of the provincial heavy pollution weather emergency command center, and the information is sent to the people’s government of the emergency response city, and the information is also released to the media and the public. The people’s governments of all districts and cities shall, according to the instructions of the Office of the Emergency Command Center for Heavy Pollution Weather or the changing trend of air quality in this Municipality, designate relevant departments to issue or remove early warning information for heavy pollution weather.

VI. Job Requirements

(1) Strengthen leadership and make careful arrangements.Construction, urban management, ecological environment and other departments at all levels should fully understand the importance of prevention and control of dust pollution in construction sites, do a good job in classified management and control, and implement the policy of exemption from management and control, not only to ensure the control of atmospheric environment, but also to support the smooth progress of engineering construction projects. It is necessary to do a good job in the classification and grading control of concrete enterprises, and ensure that the process requiring continuous concrete pouring can be carried out normally from the source. Local construction administrative departments should urge the construction site to take effective measures to realize "six hundred percent" of enclosure around the construction site, stacking and covering of dust-prone materials, wet earthwork excavation, road hardening, cleaning of vehicles entering and leaving, and closed transportation of muck vehicles, and install online monitoring and video monitoring equipment.

(two) rotating consultation, strengthen cooperation.The Provincial Department of Housing and Urban-Rural Development and the Provincial Department of Ecology and Environment have established a monthly rotating consultation mechanism to regularly communicate, exchange work information and study intersection issues. Departments of city construction, urban management and ecological environment can refer to this model, regularly strengthen research on issues of common concern and concern, and formulate scientific, reasonable and effective emergency control measures for heavy polluted weather while doing a good job in dust control at the construction site, so as to prevent frequent shutdown of the construction process and bring greater risks to safety production. Local construction administrative departments should master the management of construction sites during emergency control, assess the impact of heavily polluted weather on engineering construction, and report to the Provincial Department of Housing and Urban-Rural Development in a timely manner.

(3) Strengthen joint law enforcement and implement precise punishment.Local construction, ecological environment and urban management departments should make full use of the provincial comprehensive monitoring platform for pollution prevention and control, weave and compile the "tight encirclement" for monitoring environmental pollution, integrate online monitoring facilities of construction, urban management, ecological environment and other departments, further strengthen information sharing, and implement online dynamic management of pollutant discharge. To carry out joint law enforcement actions on a regular basis, the construction administration of each district and city.The competent department shall put forward the "six hundred percent" implementation requirements (see the annex for the "six hundred percent" implementation reference suggestions)three) to provide a basis for the subsequent implementation of joint precision law enforcement.The outstanding and difficult problems found in the inspection are entered into the comprehensive supervision platform, and the whole process is tracked and supervised to ensure timely rectification. Local construction administrative departments should increase the frequency of inspections during the emergency control of heavy polluted weather, and immediately order rectification if they find that illegal construction and dust control measures are not in place; It is necessary to urge construction units to strengthen dust prevention and control education; For construction sites that have not stopped or resumed work without authorization, severe punishment methods such as fines, notification, credit scoring, and restrictions on market access should be adopted to force the construction unit to implement the responsibility of dust prevention and control.

(4) Improve the positive incentive mechanism and implement differentiated management.Exemption policy is an important mechanism to encourage the development of environmental protection. Local construction administrative departments should urge construction enterprises and construction sites to strengthen pollution control, improve the pollution control level against industry benchmarks, and meet the conditions stipulated in the Administrative Measures for Exemption of Production Stop and Production Limit in Autumn and Winter in Jiangsu Province and Supplementary Notice on Strengthening Exemption Management of Production Stop and Production Limit in Autumn and Winter in Jiangsu Province, and encourage enterprises and project departments to actively submit exemption applications to local housing and construction departments. The construction department should take the lead in dynamic management of the exemption list of emergency management and control, include the qualified ones in the exemption list of emergency management and control, ensure that the incentive policies are put in place, and strengthen the clear orientation of "doing well is different from doing badly" in environmental protection. During the emergency exemption period, if any behavior contrary to the exemption conditions is found, the exemption qualification will be cancelled, and no application can be made again within six months. If the circumstances are serious, the relevant acts shall be carried out in accordance with the provisions of the housing construction credit score.

　

Attachment:1. Coverage requirements, methods and scope

2. Emergency control exemption process scope

3."Six hundred percent" implementation reference suggestions
attachmentone

　

Coverage requirements, methods and scope

　

I. Coverage requirements

Construction sites should strengthen management measures such as sealed storage or covering of cement and other fine-grained building materials that are easy to fly.Strengthen the coverage of exposed ground, material storage yard and shutdown site. Dust prevention measures such as dust prevention net covering and vegetation planting can be adopted for all kinds of exposed ground, mound and foundation pit excavation. Dust prevention net covering or vegetation planting should be adopted for vacant areas according to the service period and function. When building materials such as sand and stone and construction waste are piled in the open air, dust prevention net should be used for covering. For temporary construction, the exposed area and time of earthwork should be reduced as much as possible.

Second, the way of coverage

Dust-proof coverage in the construction area can adopt single coverage or composite coverage. Single coverage refers to the coverage method of using only dust-proof net, and the density of dust-proof net should be as dense as possible, and the dust-proof net with flat wire of more than four needles should be used for coverage to achieve the effect of dust prevention and dust fixation. By planting vegetation, before the greening effect is achieved, the dust-proof net should be used to cover it separately to form a composite cover, so as to achieve the effect of dust prevention and dust suppression. The dust-proof covering net in the construction area must be compacted firmly, which can play a good wind-proof and dust-proof effect in a certain period of time.

III. Coverage

In view of the shallow groundwater level in some areas of our province, the soil is sticky, the water retention is good, and the excavation is mostly wet soil, which is not easy to produce dust. In addition, the muck is generally covered with dense mesh, and the material is easy to age, the recovery rate is low, it is non-degradable, and it is easy to produce secondary pollution. Therefore, the covering requirements for the following procedures in the construction site are defined.

1. Requirements for muck covering in pile foundation engineering

Radius and periphery of working face of pile driver10-15mScope of the site, can not cover; The site should be paved with temporary roads, and the roads should be kept clean.

2. Requirements for muck coverage of foundation pit (trench) engineering

In the process of foundation pit (trench) excavation, the bottom of foundation pit may not be covered; If the foundation pit (groove) is sloping, the slope may not be covered; Parts involved in safety observation may not be covered; Hardened channels should be laid on the upper and lower ramps of the foundation pit, and the channels should be kept clean without covering the ramps; The wet muck can be stored in the shield tunnel section and the soil pit of the mining method tunnel without covering.

3. Requirements for muck coverage of municipal road engineering

Filler soil, waste soil and lime soil piled on site shall be covered; Earthwork or lime-soil subgrade shop48After hours, it has not been compacted, or the surface layer is dry and loose with dust after compaction, which should be covered; Water-stable inorganic binder base, after compaction, the surface layer is dry, loose and dusty, which should be covered; Effective dust prevention measures should be taken when dust-prone operations such as lime-soil mixing, pavement unification, cutting and chiseling are carried out.

4. Requirements for muck coverage of earthwork backfilling and greening in the later period.

Radius and periphery of mechanical working surface10-15mScope of the site, can not cover; After stopping the operation or after the completion of the operation, it should be in48Covering in time within hours.

5. Coverage requirements along the ground of high-speed rail or subway

In the construction site near the high-voltage catenary of high-speed rail or subway, the dust-proof net may be moved by typhoon, tornado and other forces, which may affect the safety of the high-voltage catenary. It is not appropriate to cover it with dust prevention net (refer to the relevant regulations of railway and subway protection zones for the safety distance), and it is appropriate to plant vegetation to achieve the effect of greening and solid settlement.

attachment2

　

Emergency control exemption process scope

　

On the premise of achieving excellent evaluation according to the Construction Site Dust Prevention and Control Inspection Scoring Form (see the attachment of Jiangsu Province Construction Site Dust Special Control Work Plan for details), the following procedures are exempted:

A, the main body and foundation construction

Underground waterproof construction, underground continuous wall grooving, scaffolding, formwork support and erection, steel binding, prestressed tensioning, component hoisting, lifting equipment dismantling, internal wall masonry, steel structure construction except painting, etc.

Second, building decoration and energy saving

Curtain wall installation, external wall plastering, external wall waterproofing, external wall thermal insulation, interior decoration and assembly decoration, etc.

Third, the building roof

Roof paving, waterproof and thermal insulation construction, etc.

Four, building water supply, drainage and heating

Water supply, drainage and heating construction of buildings other than ground-breaking operations such as outdoor trench excavation and backfilling.

Five, outdoor gardens and supporting facilities

Outdoor gardens and supporting line erection, installation, construction, etc. except ground-breaking operations such as outdoor trench excavation and backfilling.

VI. Urban Rail Transit Project

Underground excavation construction (shield, mining method), electricalSystem installation, underground track laying andConstruction requiring continuous operation due to the safety of process or surrounding environment and its upstream and downstream supporting operations.

Seven, municipal road and bridge engineering (including elevated section of track engineering)

Steel processing, formwork support, prestressing tendon tensioning and hole grouting, beam and slab hoisting and installation, etc.

Eight, pipeline engineering (including drainage, heating, gas, etc.)

Pipe jacking operation, trenchless pipeline repair construction, etc.

Nine, prefabricated buildings

The prefabricated assembly rate meets the Comprehensive Evaluation Standard for Assembled Buildings in Jiangsu Province (DB32/T　3753-2020) limit requirements of prefabricated building engineering construction (above the ground), etc.

X. Others

Water supply engineering, power supply engineering, electrical installation engineering construction, etc.; Road rescue projects due to road surface collapse or possible collapse accidents, emergency repair construction of drainage, heating and gas pipelines, etc.
attachmentthree

　

"Six hundred percent" implementation reference suggestions

　

First, the enclosure around the construction site is closed

oneConstruction sites in urban areas and built-up areas should choose enclosure types according to engineering characteristics to ensure enclosure tightness. Time limit exceededsixA month and don’t need to change frequently, should adopt a fixed enclosure with a closed bottom; Time limit for a project issixTemporary enclosures such as water yards can be used for those less than a month or those that need to be changed frequently on site.

2. Before the demolition, the demolition part shall be closed and fenced at the expropriation site where the household relocation is completed.

Second, the material stacking cover

one．Set up a special stacking area for easy-to-dust materials, so as to take them as you use them and cover them as you use them.

2Set up temporary garbage storage yard reasonably, and pile up construction garbage in a centralized and classified way.24If it cannot be removed in time within hours, dust prevention measures such as 100% coverage and sprinkling water shall be taken.

threeWet soil may not be covered, and the dried soil shall be cleaned, transported, turned over or covered in time. About wet soil (moisture content>5%) can be confirmed by observing that there is no obvious dust on the surface, squeezing free water or being able to twist and shape.

Three, earthwork excavation wet operation

oneDuring earthwork excavation, sufficient fog gun dust suppression equipment should be equipped, and the road should be cleaned, but water and ice should be prevented from causing potential safety hazards.

2For wet soil that does not produce dust, water spraying or spraying is not required. The specific judgment method is the same as above.

Fourth, pavement hardening

oneTemporary hardened pavement on the construction site shall be cast-in-place concrete or prefabricated panels that can be recycled.

2In the foundation construction stage, it is suggested to use temporary steel plates with satisfactory rigidity to harden the pavement, but it should be ensured that the temporary roads do not slip, dislocate or be damaged in use, and should be replaced in time after being damaged.

Five, in and out of the vehicle cleaning

one. All the body and wheels of engineering vehicles leaving the construction site should be cleaned, and equipped with automatic washing facilities. Only after washing can they enter the social road.

2Use information technology to strengthen supervision. For the construction site where the site conditions permit, it should be required to be equipped with vehicle unwashed capture equipment or video surveillance, and the relevant data should be pushed to the regulatory authorities with law enforcement power.

Six, muck vehicles closed transportation

Accelerate the upgrading of muck transport vehicles, and gradually force the use of closed muck transport vehicles (recommendedPvcFlat-push sealing mode) to solve the problems of vehicle overload, spilling and dripping.

　　Text | Shen Zhipeng

　　June 30, 2022

　　Qingdao "Qindao E-insurance" has 1.61 million participants, 76.3% of the same period last year. "Qindao E-insurance" announced that the insurance period would be extended by 20 days, and the insurance period for residents would end at 24: 00 on July 20th.

　　July 31, 2022

　　The number of Shanghai "Huhuibao" participants was 6.45 million, which was 87.27% of the same period last year. The insurance period of Huhuibao is extended by 20 days, and the premium and guarantee period remain unchanged.

　　In 2022

　　Weihai’s "Wei Ni Bao" enrollment progress is far lower than the same period last year.

　　These different names of insurance have a common name-"Huimin Insurance". With the new payment cycle of Huimin Insurance in various places, people find that the enthusiasm of customers is rapidly declining, and the participation data is declining instead of increasing.

　　Is it a customer change of heart or a product failure? There is a heated discussion in the industry about what happened to Huimin Bao, wondering whether such products can go on.

　　Some people blame this situation on the "death spiral" of insurance, and think that adverse selection is the main reason.

　　Specific to Huimin insurance, it is its low premium and high security ability, which lies in the sharing of medical expenses between healthy people and patients with previous diseases.

　　When the participation rate is high enough and there are enough healthy people who can share the medical costs of people with previous illnesses, Huimin insurance will continue;

　　Once the participation rate of healthy people is insufficient, and the proportion of people suffering from serious diseases in the insured population is gradually increasing, the overall product will enter a "death spiral", which will be unsustainable.

　　In fact, in addition to the "death spiral", Huimin Insurance entering 2022 is still facing multiple severe tests, and more deep problems are emerging one by one.

　　one

　　-Insurance Today-

　　Huimin Bao "triangle model"

　　Different parties have different perspectives and different demands.

　　Many people regard 2015 and Shenzhen as the starting time and starting place of Huimin insurance products, but it is not. The real Huimin insurance products began in 2020.

　　In 2015, Shenzhen Special Economic Zone took the lead in implementing supplementary insurance for serious illness, which has experienced years of running-in and stable operation.

　　In 2020, the Opinions of the Central Committee of the Communist Party of China and the State Council on Deepening the Reform of the Medical Security System (Zhongfa [2020] No.5) was promulgated, pointing out that:

　　"By 2030, a medical security system with basic medical insurance as the main body, medical assistance as the backing, supplementary medical insurance, commercial health insurance, charitable donations and medical mutual assistance will be fully established."

　　Huimin insurance is the product of the in-depth development of national medical insurance reform, and this document is the guiding document for all Huimin insurance products in the market. The nature of Huimin insurance is between basic medical insurance and commercial insurance. With the help of the third-party platform, Huimin insurance has developed rapidly, forming a triangular model of "government guidance, commercial operation and platform operation".

　　Due to the different perspectives of the government, insurance companies and platforms, apart from the common expectation of the participation rate, there are many differences in demands among the three parties, even for the insured users and the Huimin insurance project itself. This leads to a series of problems that affect the development of Huimin insurance.

　　2

　　-Insurance Today-

　　The first question

　　It is difficult to balance "government guidance" and "commercial operation"

　　2022 is the second year of many Huimin insurance projects. Because payout ratio was lower than expected in the first year, as a government-directed project, government departments were under great pressure from public opinion.

　　In this context, many regional medical insurance departments have put forward clear requirements for insurance companies. In fact, it is also understandable that an insurance project with a "quasi-policy" color endorsed by the government’s credibility for insurance companies can never sit idly by and watch commercial insurance companies earn a lot of money. However, for insurance companies, there are also pressures. On the one hand, health insurance has the characteristics of lagging claims, and some claims have not been paid yet; On the other hand, the project itself has to face the company’s profit assessment.

　　So, how to balance the two demands? This balance point is difficult to grasp. If the balance is not good, either the government’s support for the project will weaken or the insurance company will lose enthusiasm for the project. No matter which side weakens or withdraws, it will bring uncertainty, which is not conducive to the sustained and healthy development of Huimin Insurance.

　　For fear of over-commercialization, government-guided projects will prohibit excessive pursuit of profits and insurance companies from providing insurance products or services other than Huimin Insurance. This has brought great pressure to the Huimin insurance project. From the essence of business, the government-guided Huimin insurance project is more like a group policy in which the government as the insured and the insured voluntarily pay. With the advantage of number and scale, government departments have absolute bargaining power and dominance over insurance companies, which leads to such projects being meager, flat or even losing money. From the perspective of sustainable development of Huimin insurance, it is necessary to have commercial means and methods, otherwise, only operating a single Huimin insurance product will not enrich the product structure and increase the scale of operating income, and such projects will not form a business model.

　　Compared with the claim rate requirement, the government’s request for commercialization has a greater impact on the development of Huimin Insurance. Perhaps this is also one of the important reasons why Shenzhen’s serious illness supplementary insurance first emerged, but it was not copied externally.

　　three

　　-Insurance Today-

　　the second question

　　Two types of insurance companies, property insurance and life insurance, need to be improved and involved in each other.

　　At present, the main participants of Huimin Insurance are property insurance companies. The main reason is that property insurance companies are affected by the auto insurance reform, and they are very concerned about short-term health insurance premiums. With the help of the government business experience of property insurance companies, they quickly enter Huimin Insurance Circuit and grab a favorable position.

　　Compared with life insurance company’s complete life insurance product sequence, professional life insurance service ability and powerful service network, property insurance company has some inherent shortcomings, so it is necessary to continuously strengthen the professional strength of service and products, change the business thinking of auto insurance in the past, and realize long-term benefits through continuous operation and demand mining for customers.

　　In the early stage, life insurance companies participated in a small number of projects, and even if they participated, they only acted as co-insurance companies. The main reason was that life insurance companies focused on long-term insurance. In the last two years, the growth of long-term insurance premiums was hindered and the agent team dropped off. In addition, life insurance companies did not participate much in government-run projects before, which led to the initial lack of time for life insurance companies to quickly join Huimin Insurance Circuit.

　　Next, life insurance companies need to solve the relationship between Huimin insurance business and its team development and long-term insurance business. Life insurance teams and agents need to integrate Huimin insurance with their own business in order to stimulate life insurance potential and give play to their advantages.

　　Whether property insurance companies or life insurance companies do a good job in Huimin insurance business, they all need a joint platform company to continuously serve the growing and changing needs of customers through the combination of online empowerment and offline services, establish a stable customer relationship and a good service experience, and firmly lay the foundation for the long-term and stable development of Huimin insurance.

　　four

　　-Insurance Today-

　　Third question

　　The expectation of comprehensive protection and the reality of only covering serious illness

　　As an entry-level health insurance, Huimin Insurance has quickly completed the insurance education for the public, which is mainly due to the urgent protection needs of ordinary people (603883).

　　Today, with the development of society, we still see all kinds of information about fund-raising due to illness, which shows that there is still a cruel reality that many people in this society have not received corresponding protection, especially for low-and middle-income groups and underdeveloped areas, the breadth and depth of commercial insurance are far from what it should be.

　　It’s not that ordinary people don’t want to buy insurance, but there are practical problems. The first is the issue of trust, the second is that the price is too expensive, and the third is the threshold limit for participation.

　　It can be said that Huimin Insurance has solved the above problems well and even become the first commercial health insurance for many urban white-collar workers. It’s like people have to buy a full insurance after buying a car. Although they don’t know much about the specific content of full insurance, there are usually misunderstandings, thinking that all cars can be compensated for their accidents. Ordinary people buy Huimin Insurance and think that it can provide all medical insurance.

　　In fact, Huimin insurance is only a supplementary insurance for serious illness, and there are conditions such as higher deductible, which can not only solve most of the problems of most people, but also meet certain conditions for solving the problems of a few people.

　　In this way, there is an irreconcilable contradiction between the people’s comprehensive security needs and high psychological expectations and the limited security of Huimin insurance.

　　This year, there have been many voices questioning Huimin Insurance on the Internet, which even became a hot topic in local search. Everyone discussed "benefiting the people to protect the people", and there was a community of "* * * revealing the scam of benefiting the people".

　　This is usually because ordinary people do not pay attention to the details of the terms when they are insured. When they actually claim compensation, they find that the deductible is high and there are many restrictions on the scope of reimbursement, which will inevitably lead to emotional rebound. If the relevant parties do not provide good service and explain communication, they will easily escalate into negative public opinion.

　　The problem of benefiting the people and protecting public opinion has become a problem in many places, even in cities with high claims rate. After all, the real benefit is only those who are seriously ill and spend a lot of money.

　　These people are only a small part of all the insured. For most insured people, there is no benefit and no sense of gain.

　　For ordinary people, what they need is comprehensive protection and services, not only individuals but also families, which contain a lot of medical care and related content.

　　For example, there are children in the family who have bad teeth and are prone to problems, so there is a need for oral health care and protection; There are elderly people at home, medical needs or medication needs, and there will also be unexpected protection needs; For families, there are financial needs at the beginning or end of the month.

　　All these are not supported by a Huimin insurance, but need a Huimin security system, which not only solves the serious illness problem, but also solves the medical and health service needs, and also solves the mental health or financial health needs of families and individuals. From this perspective, Huimin Bao is only the first step.

　　five

　　-Insurance Today-

　　The fourth question

　　The operation platform is awkward.

　　At first, the platform company was the promoter of the rapid development of Huimin Insurance.

　　Some platform companies with mature experience and talent teams have helped insurance companies with political insurance experience or government resources to achieve a "zero to one" quick cold start. At one time, platform companies led or influenced the development of the project. However, with the increase in the number of platform companies and the increasing dominance of government departments, platform companies first came to an embarrassing situation.

　　There is even a fierce price killing between platforms. In this way, the platform’s own value and significance of existence have been completely abandoned. The platform itself should be based on operational services and technology empowerment to make money, but the result is to enter the market at the expense of "white-edged fighting" to the end. Moreover, in the actual operation process, the operation platform is doing the implementation work, but it is not allowed to do any commercialization or customer operation.

　　Some people even suggest that insurance companies can operate, but objectively speaking, the organizational structure and operating mechanism of insurance companies are traditional rules, and platform operation requires long-term investment of funds and teams, service integration and product innovation, and rapid and flexible response mechanisms, which are not what insurance companies can do.

　　In the actual project operation, limited by the commercialization of the government and the insurance company’s right to operate, it is difficult for platform companies to have the opportunity to try and innovate. This is also one of the main obstacles to Huimin’s innovation and development.

　　six

　　-Insurance Today-

　　The fifth question

　　To be or not to be?

　　Since there are so many deep-seated problems, some people worry that Huimin Bao will disappear soon.

　　I believe that Huiminbao will survive.

　　Huimin insurance "comes from time to time, thrives on demand, and changes according to the situation", which includes the arrangement of top-level design for people’s livelihood security, the rigid demand of promoting people’s livelihood, and the changes of times, insurance reform and industrial integration. Although there are many problems in the process of development, although some problems are unsolvable in a short time, there is reason to believe that time and development will break through each problem one by one.

　　From another angle, the security needs of ordinary people are there. If there is no Huimin insurance, is there a better alternative? Will other alternatives solve the current contradictions and problems? After substitution, can it bring greater industry development and social benefits? While thinking, let’s review the innovations and surprises in the development process of Huimin Insurance.

　　May 2020

　　Beijing Jinghuibao Project Team launched "Huitabao", the exclusive inclusive guarantee for women, which extended to specific groups on the basis of serious illness, and broadened the scope and services of reimbursement for specific diseases on the basis of continuing the price to benefit the people. "Huitabao" became the masterpiece of the first Pratt & Whitney series products.

　　September 2021

　　Zibo launched the service of "Qi Huibao+public welfare assistance". By June 2022, the special public welfare fund for rare diseases in Zibo had served 3 patients with spinal muscular dystrophy (SMA). After serious illness insurance, Qi Huibao reimbursement and public welfare fund assistance, the out-of-pocket expenses of patients were reduced to less than 30%, effectively reducing the economic burden of patients and their families. Huimin insurance+public welfare fund better embodies the concept and significance of multi-level protection.

　　November 2021

　　Guangzhou "Sui Sui Kang" has expanded the scope of the insured population. On the basis of social medical insurance participants in Guangzhou and other medical security personnel in Guangzhou in 2021, Sui Sui Kang has added three categories of participants: first, registered residents in Guangzhou, second, those who have applied for and held the Guangdong Residence Permit in Guangzhou and have been registered for two consecutive years, and third, those who have been recognized by the relevant departments of Guangzhou as courageous in the administrative area of Guangzhou, basically achieving full coverage of the permanent population in Guangzhou. Absorb new citizens to participate in the insurance, so that the benefits of Huimin Bao Pratt & Whitney will be more deeply rooted in the hearts of the people.

　　A small step in the development of Huimin insurance is a big step in the health insurance industry. From the unimaginable a few years ago to the rapid development in the last two years, although there are difficulties, we will certainly be able to step over the bumps.

　　We look forward to the early formation of the commercial closed loop of Huimin Insurance, which will bring new possibilities and choices for the transformation of the insurance industry and provide customers with more complete protection and services.

This article was first published on WeChat WeChat official account: Today’s Insurance. The content of the article belongs to the author’s personal opinion and does not represent Hexun.com’s position. Investors should operate accordingly, at their own risk.

　 　 [XCAR 2015 Shanghai Auto Show Original]

　　　　The curtain of Shanghai Auto Show has been opened. As the largest auto show in the universe, it is a stage for car companies, a feast for the media and a paradise for car fans. For consumers who need to buy a car, the Shanghai Auto Show must not be missed. Many car companies will choose to sell new cars at the Shanghai Auto Show. Yesterday, we introduced the China brand models that were unveiled at the auto show. Today, we will continue to talk about the joint venture new cars listed at the Shanghai Auto Show, but compared with the former, the number of joint venture new cars is much less, but there are also some heavyweight models. Friends who need to buy a car must not miss it!

　 　 ● Beijing benz GLA

　 　 Price range: 269,800-398,000 yuan

　 　 At the 2015 Shanghai Auto Show, the domestic Mercedes-Benz GLA was officially launched, and five new models were launched with a price of 269,800.

　

　 　 The dimensions, length, width and height of the new car body are 4431mm/1804mm/1532mm respectively, and the wheelbase is 2699 mm. The domestic model maintains the same wheelbase as the overseas version, but the body height has increased (the body height of the overseas version of GLA 200 is 1483mm).

　 　 In terms of interiors, the domestic GLA SUV is also highly consistent with imported models, and the independent center console and diversified color matching are very fashionable. The domestic GLA SUV will be equipped with fixed-speed cruise, reversing image, panoramic sunroof, leather steering wheel, electric seat memory and many other technical configurations.

　 　 Domestic Mercedes-Benz GLA will be available in GLA 200, GLA 220 and GLA 260, of which GLA 200 is equipped with a 1.6T high-power engine with a maximum power of 115kW(156Ps). The GLA 260 will be equipped with a 2.0T high-power engine with a maximum power of 155kW(211Ps), and the GLA 220 will be equipped with a 2.0T low-power engine. In terms of transmission, all models are matched with a 7-speed dual-clutch gearbox.

　 　 ● Dongfeng Honda new CR-V

　 　 Price range: 179,800-249,800 yuan

　 　 On April 20th, at the Shanghai Auto Show, Dongfeng Honda’s new CR-V was officially launched, and the new car launched seven models with the price range of 179.8-249.8 million yuan. In addition to some minor changes in design and configuration, the biggest attraction is to replace the current 5AT gearbox with CVT gearbox and adopt the Earth Dream technology engine. In addition, the official said that the old CR-V minimum will be sold together with the new model.

　

　　　　In terms of appearance, Dongfeng Honda’s new CR-V has been changed in details compared with the current model, and its design style is closer to the overseas version. The new car adopts a brand-new U-shaped air intake grille, adds LED daytime running lights, and brand-new horizontal fog lights also replace the current round fog lights. In addition, a silver protective plate is added under the front bumper, which makes the whole look more fashionable.

　 　 In terms of size, it is reported that the length, width and height of Dongfeng Honda’s new CR-V are 4585mm/1820mm/1685mm respectively, and the wheelbase is 2620mm. In addition, the new CR-V will provide six body colors to choose from, namely colorful crystal black, scarlet, snowflake silver, titanium gold and silver, pearl white and amber brown.

　 　 In terms of interior, the new CR-V has not changed much, but the interior material has been upgraded. In terms of configuration, the new CR-V top model is equipped with electric trunk door, blind spot monitoring system and 18-inch new style wheels. In addition, the new car also comes standard with tire pressure alarm, ramp assist system, body stability system, start/stop system and LED daytime running lights.

　　　　In terms of power, Dongfeng Honda’s new CR-V will continue the existing 2.0L engine and be equipped with a 2.4L Earth Dream engine with a maximum power of 137kW and a peak torque of 245Nm. The transmission system is matched with CVT gearbox.