Yiling police smashed "private detective company" dens. Photo courtesy of Yiling police

　　Zhongxin. com, Yichang, September 20th (Fu Wudi) Looking for a car, looking for someone, collecting debts, and checking the house … … The Public Security Bureau of Yiling District, Yichang City, Hubei Province reported on the 20th that its "2019 Net Action" task force successfully destroyed a "private detective company" and 10 suspects were criminally detained according to law.

　　In mid-June, 2019, an online inspection by the Netan Detachment of Yichang Public Security Bureau found that a WeChat account publicly posted an advertisement for finding someone to find a car, which was suspected of infringing citizens’ personal information, and authorized the Yiling District Public Security Bureau to file a case for investigation.

　　The police arrested the suspect. Photo courtesy of Yiling police

　　Yiling District Public Security Bureau set up a special investigation class to carry out the investigation. The police in the special class found out that the information came from a company called "Wuhan Veterans Survey" through online investigation and collection, offline waiting, follow-up investigation and evidence collection.

　　The police followed the line and found a 10-member criminal gang headed by Pan. Based in Wuhan, the gang collects citizens’ information and needs through the internet, and conducts illegal and criminal activities such as finding a car, finding someone, collecting debts, inquiring about household registration, and inquiring about house opening records nationwide.

　　The police found that Pan, the leader of the gang, was the boss of the company, responsible for personnel deployment, business negotiation, information coordination, remuneration collection, etc. The gang members Xu, Tao, Zhang and others were responsible for promoting the company’s business through the network and contacting the GPS salesman to maintain the background, install GPS, find people, find cars, track and shoot.

　　On September 2, the police of Yiling District Public Security Bureau wiped out 10 suspects, including Pan, in Wuhan and Xiantao.

　　At present, the case is still under investigation.

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.

In modern financial transactions, the adjustment of bank payment limit is a key link, which not only affects the convenience of users’ transactions, but also directly affects the security and liquidity of funds. Understanding how to adjust these limits and their specific impact on users’ trading experience is very important for everyone involved in financial activities.

First of all, the adjustment of bank payment limit usually involves two main aspects: single transaction limit and daily cumulative transaction limit. These limits are set to protect the safety of users’ funds and prevent unauthorized large transactions. However, for users who need to make large transactions, these limits may become obstacles to transactions.

In order to adjust the limit of bank payment, users usually need to apply through the official channels of the bank. This may include online banking systems, mobile banking applications or going directly to the bank counter. During the application process, the user may need to provide identification, a description of the purpose of the transaction and possibly other relevant documents. The bank will decide whether to approve the adjustment of the limit according to the user’s risk assessment and transaction history.

These limits have a direct impact on the convenience of users’ transactions. For example, if a user needs to trade a large amount of futures, but the bank’s single trading limit is low, then the user may need to trade in several times, which not only increases the time cost of trading, but also may affect the final effect of trading because of market fluctuations.

The following is a table showing the influence of different bank payment limits on users’ transaction convenience:

As can be seen from the table, the payment limit settings of different banks are quite different, which directly affects the user’s trading experience. For futures traders, choosing a bank with higher payment limit can significantly improve the convenience and efficiency of trading.

In addition, the adjustment of bank payment limit may also be affected by regulatory policies. For example, in some special periods, banks may temporarily increase or decrease the payment limit to cope with market fluctuations or security risks. Therefore, users should also pay attention to relevant policy changes when adjusting the payment limit.

In a word, the adjustment of bank payment limit is a complicated but necessary process, which is directly related to the convenience of users’ transactions and the safety of funds. By understanding and reasonably using these limits, users can better manage their financial activities and ensure the smooth progress of transactions.

[Disclaimer] This article only represents the author’s own views and has nothing to do with Hexun. Hexun.com is neutral about the statements and opinions in this article, and does not provide any express or implied guarantee for the accuracy, reliability or completeness of the contents. Readers are requested for reference only, and please take full responsibility. Email: news_center@staff.hexun.com.

　　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.

　　It is a vivid testimony of the diversity and continuity of Chinese civilization, and a vivid display of the Chinese nation’s blood ties and common destiny. Since the 18th National Congress of the Communist Party of China, the CPC Central Committee with the Supreme Leader as the core has attached great importance to the protection and inheritance of intangible cultural heritage. From the strategic height of strengthening cultural self-confidence and realizing the great rejuvenation of the Chinese nation, the General Secretary of the Supreme Leader has published a series of important expositions and made a series of decision-making arrangements, which has provided fundamental follow-up for doing a good job in intangible cultural heritage in the new era. Guided by the Supreme Leader’s Socialism with Chinese characteristics Thought in the New Era, the Ministry of Culture and Tourism thoroughly studied and implemented the spirit of the important exposition of the Supreme Leader’s General Secretary on the protection and inheritance of intangible heritage, implemented the working policy of "protection first, rescue first, rational utilization, inheritance and development", adhered to classified protection, and persisted in creative transformation and innovative development, so as to promote the intangible heritage protection and inheritance to achieve remarkable results and enter a new stage of systematic protection, and provided the "China Plan" for the practice of intangible heritage protection and inheritance.　

　　Promote governance according to law, and build a "four beams and eight pillars" for intangible protection and inheritance. In 2011, the Law of People’s Republic of China (PRC) on Intangible Cultural Heritage was promulgated and implemented, which laid a solid legal foundation for the protection and inheritance of intangible cultural heritage. In 2021, the Central Office and the State Council issued the Opinions on Further Strengthening the Protection of Intangible Cultural Heritage, which pointed out the target direction for doing a good job in the protection of intangible cultural heritage in the new era. The Ministry of Culture and Tourism issued the measures for the identification and management of national intangible cultural heritage representative inheritors and the measures for the management of national cultural and ecological protection zones, jointly issued the implementation plan of non-genetic inheritance development projects with Publicity Department of the Communist Party of China and the Ministry of Finance, jointly issued the measures for the management of special funds for intangible cultural heritage protection, gradually improved supporting policies, and set up the main framework of the legal system for intangible cultural heritage protection and inheritance. All 31 provinces, autonomous regions and municipalities in China have issued regulations on the protection of intangible heritage, and some cities and counties have issued local regulations, and the level of legalization and standardization of the inheritance of intangible heritage protection has continued to improve.

　　Strengthen system construction, establish and improve the inheritance system of intangible cultural heritage protection. After years of efforts, China has now established an intangible heritage protection and inheritance system including investigation records, representative projects, representative inheritors, regional overall protection, inheritance experience facilities and theoretical research. Efforts will be made to build a national, provincial, municipal and county-level intangible cultural heritage list system, and more than 100,000 representative projects at all levels and more than 90,000 representative inheritors at all levels have been identified, including 1,557 national intangible cultural heritage projects in 5 batches and 3,068 national intangible cultural heritage inheritors in 5 batches. Vigorously improve the overall level of regional protection, and set up 23 national cultural and ecological protection (experimental) zones and 205 provincial cultural and ecological protection zones. Actively do a good job in the declaration and implementation of UNESCO’s intangible cultural heritage list items. Up to now, 42 items including Kunqu Opera, Chinese Medicine Acupuncture and Tai Ji Chuan have been included in it, ranking first in the world, showing the world the unique charm and beautiful style of Chinese excellent traditional culture.

　　Pay attention to innovation and development, and continuously improve the level of intangible heritage protection and inheritance. Around the protection of inheritance practice, inheritance ability and inheritance environment, we will innovate and implement a variety of effective ways of non-legacy protection. Implement the intangible cultural heritage recording project, record 1,805 national intangible cultural heritage inheritors, and keep the "Chinese memory". China non-genetic inheritors’ training plan was implemented. Together with the Ministry of Education and the Ministry of Human Resources and Social Security, the Implementation Plan of China’s Intangible Cultural Heritage Inheritors’ Training Plan (2021-2025) was issued, and more than 1,100 training courses were held, with over 38,000 trainees and extended training, covering over 100,000 people. We implemented the traditional craft revitalization plan of China, published the catalogue of traditional craft revitalization, and gave key support to 383 projects in 14 categories. The implementation of the Quyi inheritance and development plan will enhance the vitality and survival of endangered operas and operas, explore and explain the times value and social functions of folk literature, promote the integration of traditional sports and entertainment into national fitness activities, and expand and strengthen the social foundation and inheritance potential of intangible cultural heritage protection. Actively promote the construction of non-legacy disciplines, 11 colleges and universities set up non-legacy protection undergraduate majors, and 12 colleges and universities carried out pilot training for non-legacy talents.

　　Serve the overall situation of work and explore the path of connecting modern life. Give full play to the advantages of intangible cultural heritage, especially traditional craft resources, and promote urban and rural employment and increase people’s income. Together with the Ministry of Human Resources and Social Security and the National Rural Revitalization Bureau, the Notice on Continuously Promoting the Construction of Non-legacy Workshops to Help Rural Revitalization was issued. By June 2022, more than 2,500 non-legacy workshops had been set up in various places, of which more than 1,400 were set up in poverty-stricken counties, and a number of outstanding leaders including the "National Model for Poverty Alleviation" had been trained. The "Intangible Heritage Shopping Festival" was held for three consecutive years, which opened the "last mile" of intangible heritage products from production to sales. In 2022, the sales exceeded 1.6 billion yuan, becoming a cultural consumer brand activity for the masses to participate in intangible heritage protection and share the protection results. Coordinate the integration of intangible cultural heritage protection into the ecological protection and high-quality development strategy of the Yellow River Basin, and formulate the Construction Plan of Intangible Cultural Heritage Protection and Inheritance Project in the Yellow River Basin to promote the systematic protection of cultural heritage in the Yellow River Basin. Adhere to the principle of "building tourism with culture" and "displaying culture with tourism". Under the premise of effective protection, we will use intangible resources to develop rural tourism and other formats, and launch a number of theme tourism routes with distinctive intangible characteristics, so as to promote the integrated development of intangible heritage and tourism, fully connect with modern life, and show a bright style and full of vitality.

　　Increase the promotion and display, and continue to build a modern communication pattern of intangible cultural heritage. During the annual Cultural and Natural Heritage Day, a series of non-legacy exhibition activities are carried out. During the 2022 activities, more than 6,200 online and offline activities are in full bloom. China Chengdu International Intangible Cultural Heritage Festival, China Intangible Cultural Heritage Expo, China Native Folk Song Festival and National Intangible Cultural Heritage Art Week are held regularly. Actively promote the online communication of intangible cultural heritage, and hold the "Cloud Tour Intangible Cultural Heritage Video Exhibition" for three consecutive years. In 2022, more than 2,800 intangible cultural heritage films and documentaries will be exhibited online for public welfare. For two consecutive years, the activity of "Culture Entering Ten Thousand Families-Video Live Hometown Year" was held, and the intangible cultural heritage items were displayed on the network platform, with a cumulative broadcast volume of 2.03 billion times. Invite and support all kinds of media at all levels to participate in non-genetic broadcasting extensively. CCTV Comprehensive Channel produces and broadcasts Open Class of Non-legacy and China in Non-legacy. Guangming Daily and Guangming. com carry out the publicity activities of "China’s Person of the Year". Tik Tok and other new media launch special non-genetic broadcasting actions such as "Non-legacy Partner Plan" and "Seeing Craft Plan". Since 2012, more than 350,000 non-legacy publicity and exhibition activities have been held nationwide, enabling people at home and abroad to approach, experience, taste and fall in love with non-legacy. (Author: Hu Heping, Party Secretary and Minister of the Ministry of Culture and Tourism)　

　　[Network China Festival Spring Festival]China’s Spring Festival global "red whirlwind" shows the world’s "model"

　　Xinhuanet reporter Li Xiaoyu

　　As an important festival handed down by the Chinese nation for thousands of years, the Spring Festival has an insurmountable position in Chinese’s mind. In recent years, the spread of the Spring Festival overseas has been accelerating and its influence has been increasing. Some countries list the Spring Festival as a legal holiday, some countries hold colorful celebrations during the Spring Festival, and many international politicians also come to join in the fun … … How did the Spring Festival blow a "red whirlwind" around the world?

　　They also have a holiday during the Spring Festival — — Many countries make the Spring Festival a public holiday.

　　The Spring Festival holiday is no longer just a "welfare" for the people of China. More and more countries and regions in the world have designated the Lunar New Year in China as a public holiday.

　　Among Asian countries, Vietnamese, Korean, Singaporean and Malaysian countries have the same Lunar New Year holidays as China. In 2002, the Spring Festival was listed as a national public holiday in Indonesia. Since 2005, the Philippines announced that the first lunar month in China must be a national holiday.

　　In addition to Asian countries, many cities and states in the United States have identified the Spring Festival in China as a statutory holiday in their own state. For example, in 2014, the Spring Festival became a statutory school holiday in New York State and the first statutory Chinese holiday in American history. There are even calls in the Chinese community to make the Lunar New Year a national legal holiday in the United States.

　　At present, nearly 20 countries and regions around the world have designated the Spring Festival in China as a legal holiday for the whole or some cities under their jurisdiction. The Spring Festival in China is becoming more and more international, and it has become a festival celebrated all over the world.

　　They play like this during the Spring Festival — — The world will make the Spring Festival a super big Party.

　　How to spend the Spring Festival? Living in China, you can naturally talk about family reunion, visiting relatives and friends, visiting temple fairs and other activities. Unexpectedly, in foreign countries, the Spring Festival has gradually become a super event.

　　In 2015, in order to celebrate the Spring Festival in China, new york held a large-scale fireworks show "Harmony with China" on the Hudson River, which was as large as the fireworks show on the National Day of the United States. This is the first time in American history that fireworks were set off on a large scale for the Spring Festival in China.

　　In the Spring Festival of China in 2017, the largest celebration outside Asia was held in London, the capital of England. The parade of dragon and lion dances and floats went from Trafalgar Square to Chinatown, attracting thousands of onlookers and cheers. By the Spring Festival of 2017, the Empire State Building has been lighting up for the Spring Festival in China for 17 consecutive years, and the Sydney Opera House has also held the China New Year Bright Red Event … … The Spring Festival in China has become a grand ceremony in the world.

　　With the popularity of outbound travel during the Spring Festival, many countries have tried their best to attract tourists from China, and the Spring Festival elements are everywhere, making China tourists feel at home.

　　In the Spring Festival of the Year of the Rooster, China’s songs were played in shopping malls in Phuket, Thailand, Picasso’s works were exhibited at Charles de Gaulle Airport, and the China Spring Festival was called a British festival in British travel brochures. During the Spring Festival of the Year of the Monkey, Dubai Airport Duty Free Shop held a series of promotions, decorated the booth with traditional festive elements of China, and hundreds of red lanterns decorated the glittering dome of the South Bank Shopping Plaza in Los Angeles … … Tourists from China bring warmth to the world economy with weak recovery and lack of confidence, and the world has also turned the Spring Festival in China into a large carnival.

　　They come to pay New Year greetings during the Spring Festival — — Foreign dignitaries came together to celebrate the New Year.

　　Nowadays, more and more foreign politicians also make public appearances during the Spring Festival to pay New Year greetings to the people of China. During the Lunar New Year in China in 2017, many international dignitaries, including UN Secretary-General Gutierrez, British Prime Minister Theresa May, South African President Jacob Zuma, Canadian Prime Minister Trudeau, Cambodian Prime Minister Hun Sen and Philippine President Duterte, delivered videos or congratulatory messages to wish the people of China a happy New Year.

　　There are also some politicians who "join in the fun" and personally integrate themselves into the festive atmosphere of the Spring Festival in China. In 2015, Prince Charles of England and his wife, Mrs. Duke of Cornwall, went to China City in London to watch the lion dance, learn Chinese characters, and participate in Chinese New Year celebrations. In 2017, Ivanka, the daughter of President Trump of the United States, took her daughter arabella to the China Embassy in the United States to pay a New Year’s call, which became a much-told story.

　　The Spring Festival of the Year of the Dog is coming soon. How will the world celebrate the Year of China? We will wait and see!

　　(Text comes from Xinhua News Agency, People’s Daily Overseas Edition, China News Network, Beijing Youth Daily, etc.)

The 2022 "Government Work Report" clearly pointed out that "resolutely prevent and correct employment discrimination such as gender and age, and strive to solve outstanding problems that infringe upon the legitimate rights and interests of workers." During the two sessions of the National People’s Congress, the "35-year-old threshold" became a hot topic of discussion among deputies.

Jiang Shengnan, a representative of the National People’s Congress, was quoted as saying: at the age of 35, he is in the prime of his career, and he is also in a difficult stage of his life, with the old and the young. It is neither scientific nor fair to exclude them with only one age limit, and it is a great waste of talents.

Whether you are a young person who has just entered the workplace or a senior migrant worker who has begun to be anxious about age, there are these data that you have to know about the middle-aged crisis of the "35-year-old threshold"-

01. How to deal with the middle-aged crisis in the involution era?

Involution and anxiety have always been symbiotic. Although the average life expectancy is getting longer and longer, Chinese’s anxiety about the middle-aged crisis is getting earlier and earlier. In a survey conducted by China Youth Daily, 71.4% of the respondents claimed that they were anxious about their working age. How to deal with it? 56.9% people said that they should use their expertise to seek a breakthrough, 56.4% people thought that their core competitiveness should be enhanced, and fewer people thought that they should change careers in time to find another way out after losing their age advantage.

02. In some factories, it is too late to be anxious until you are 35.

"35-year-old age anxiety" and "middle-aged crisis in big factories" have come into reality more and more by joking. 35-year-old has indeed become an age watershed in the workplace, especially in Internet companies. Even in some big factories, it is far from enough to start anxiety at 35. According to pulse statistics, as of November 2021, the median age of Didi employees is 33 years old, while Alibaba, Ant Financial and JD.COM are 32 years old, and Baidu and Ape Tutor are even more exaggerated to be 28 years old.

03. Are you anxious about your age under the "social clock"?

Older people often tell young people what to do at what age. Work, marriage, having babies … The world of adults seems to be locked in the established "social clock". Twenty or thirty years old should be the best time in my life, but the questions from netizens in Zhihu are full of anxiety. Is it too late to be married at 26? Can I still take the civil service exam at the age of 29? These problems reveal people’s growing age anxiety.

04. Should everyone follow the social clock?

It’s time to get married, to have children, and to do things at any age. The huge social habit force requires young people to follow the "social clock" to advance their lives. Once you don’t follow the clock, the anxiety of "step by step can’t keep up" will sweep through, and families, parents and themselves will not escape.

05. I feel anxious. I am the most active after learning a new career.

People who are engaged in the preparation of milk tea drinks are called bartenders; Courier and takeaway are collectively referred to as online delivery staff; Taobao anchor is a live salesman, and these "new occupations" are becoming a new choice for the public to choose a job. The nail platform conducted a sample survey on new vocational learning groups, and found that among these people, the post-80s and post-90s are the main force, accounting for 42% and 41% respectively, and their academic qualifications are mainly junior college and undergraduate. Among the respondents, the proportion of post-80s generation who encounter occupational crisis and bottleneck is also the highest.

Cctv news(Reporter/Written by Du Anqi/Kan Chunyu): "Cooking is too tiring, and the table is too expensive." During the Spring Festival, the business of home cooking is booming. CCTV News+reporter interviewed three chefs. In Jiuquan, Gansu, two tables of 18 dishes are charged in 500 yuan, and in the suburbs of Chongqing, a table of 13 dishes is charged in 300 yuan, but some chefs have received 2— A large-scale family banquet with three tables will earn five or six thousand yuan a day.

Two tables of New Year’s Eve dinner, 18 dishes charge 500 yuan

Repeatedly shirked, however, Wang Liping of Jiuquan, Gansu received an order for New Year’s Eve dinner. No way, the relationship needs to be maintained. Wang Liping is always asked to cook for the daily reception of the client company. This time, the client asked her to "help" during the New Year, and she could not refuse. The chefs in the team have all returned to their hometowns for the Spring Festival. Before that, Wang Liping had already cancelled more than a dozen orders.

Dinner will be served at 6:30 p.m., and Wang Liping needs to come home at 3:30 to prepare. Make a family dinner for more than 20 people in a family, set two tables, and serve 18 dishes, large and small, and charge 500 yuan. "On this single order, the customer is an acquaintance and there is no price increase." Wang Liping’s hands are tied, and she plans to let her husband go with her.

Wang Liping is not a professional chef. She has a regular job, and cooking at home is only a part-time job. At the beginning of 2023, she saw such a business model on social platforms. In March, she began to take orders, relying on her own home cooking skills and relying on the hard work of carefully pondering food videos. "Sometimes there are four or five orders a day, and sometimes there are no orders."

While taking orders, she runs her own social account and regards short videos as her own advertisements. Some people I know began to follow Wang Liping to take orders, and others found them from social platforms. Slowly, the number of orders and teams rose. At work, Wang Liping sends out the list, and at rest, he goes to the door to cook. Near the Spring Festival, "telephone calls for ordering food from all over the country are received from morning to evening".

Customers have different requirements. According to the quantity of food, Wang Liping charges 200— 300 yuan, a year down, she earn up to 7000 yuan a month. Wang Liping said: "No investment, low risk, free time, and hard money."

Make some pocket money for children by cooking at home.

Liu Li, who lives in the suburbs of Chongqing, received two orders on New Year’s Eve, and the customers prepared their own ingredients, a table of 10— 12 dishes, each door-to-door service 2— 3 hours, a day can earn more than 700 yuan’s manual fee. During the Chinese New Year, she raised the price of each order by 20%.

Before becoming a substitute chef for home cooking, Liu Li opened a beauty shop in the county town. In 2018, she had a child. Due to the pressure of rising rent and labor costs, she transferred the store. In 2023, she found that cooking at home can not only bring income, but also set aside time to pick up and drop off children and take care of housework.

On weekdays, Liu Li can pick up 3-mdash a day; Four orders, one for cooking, and the other for bacon soup pots, can earn seven or eight hundred yuan a day. Friends around her came to help, and she took out 30% as a commission.

Liu Li’s schedule is very full. After finishing the housework at home in the morning, she goes to the client’s house to cook, and she is busy until around 6:30 pm. After eating the New Year’s Eve dinner at home, she will continue to wash the dishes. "In fact, if you think about it, you have earned it by yourself. You have to rely on your own hands to do it. If you do it, you will get it."

Photo courtesy of respondents　

Earn five or six thousand dollars a day and go home to eat instant noodles

In contrast, He Xie’s team is larger and the charging standard is higher. "There are 50 chefs, including me, and the fees for chefs of different grades are different. Some are home-cooked dishes, some are star-rated products, and some are local specialty dishes, ranging from several hundred yuan to several thousand yuan." On New Year’s Eve, He Xie holds more than 60 home cooking orders, and the chefs in the team can earn up to five or six thousand yuan a day.

At the end of 2022, He Xie, who had worked hard in the catering industry for many years, noticed that cooking at home was on fire. He and his partners are planning to form a team. "Some of the chefs we recruited think that this industry is more promising, and some people have lost money in the catering business before and want to make some money."

In a year, the order volume has soared from a dozen orders a day to hundreds a day. "Many families pay more and more attention to health or the atmosphere at home, which is basically in a state of continuous growth." The monthly income of chefs in the team is 10 thousand — 30,000 yuan.

This time, He Xie and the team members made preparations from the twelfth lunar month to the fifteenth day of the first month: "The Spring Festival is our busiest time. We also hope to provide services to those families who need help and bring them warmth and joy. " Although his reunion with his family needs to be postponed, He Xie thinks it is very meaningful. "Most of the chefs in the team are men, and they are husbands and fathers in the family. In order to earn some money to subsidize the family and make the family live better, I will earn more money during the New Year."

Photo courtesy of respondents　

On New Year’s Eve, He Xie began to buy food at six o’clock in the morning and went to the customer’s house to start cooking at eight o’clock. 12— An order for 16 dishes often takes 4 hours. The latest table of New Year’s Eve dinner was set at 7: 00 p.m. He Xie still needed to clean up the kitchen. When he got home, it was already 10: 00 p.m. He didn’t want to fire again and bought a bucket of instant noodles to satisfy his hunger.

Although it is very hard, He Xie feels that his career is very valuable. "99% of the owners are very enthusiastic about us and will ask you if you drink water. Some people say that they can help us with chores and even let us eat together." At this moment, He Xie always feels very proud.

　　German researchers reported in the new authoritative academic journal Nature that they found a natural antibiotic in human nasal cavity, which can kill methicillin-resistant Staphylococcus aureus (MRSA), which is called "superbacteria" and is resistant to many antibiotics.

　　Researchers at the University of Tü bingen, Germany, found in the study of 187 hospitalized patients that a bacterium named Staphylococcus ludden rarely appeared with Staphylococcus aureus in the nasal cavity of patients. When the patient has Staphylococcus aureus in the nasal cavity, the rate of Staphylococcus aureus in the nasal cavity is only one sixth of that of the patient without Staphylococcus aureus in the nasal cavity. Further research shows that Staphylococcus ludden can produce a previously unknown natural antibiotic, which makes Staphylococcus aureus unable to survive in human nasal cavity. The researchers named it "Ludenin".

　　Animal experiments have shown that Luteinin can kill MRSA, vancomycin-resistant enterococci and other multi-resistant bacteria resistant to traditional antibiotics. For example, the ointment made of Ludwig successfully cured MRSA skin infection in mice, and Ludwig spray greatly reduced the number of MRSA in the nasal cavity of rats. The researchers say that antibiotics are usually produced only by bacteria and fungi in the soil, and it is a new discovery that human flora can also be a source of antibiotics. Next, they will focus on the application of ludenin, such as trying to implant ludenin-producing bacteria into high-risk patients to reduce the risk of MRSA infection.

　　Jim Lewis, a microbiologist at Northeastern University in the United States, said that this is the first time that scientists have made it clear that antibiotics produced by one bacterium can inhibit the existence of another bacterium in the same microbial community. Researchers believe that new discoveries will help to prevent and treat drug-resistant bacterial infections in the future, and also provide new ideas for finding new antibiotics in the future.

The writer of this article is @Noodles of Xiaowan family.

The shadow bugs in the world all begin with movies that eat away at the world.

Last weekend, according to the film directed by Bong Joon ho,Snow country trainAdaptedAmerican drama of the same nameIt premiered on TNT TV in the United States (Netflix was launched on May 25).

In contrast, compared with the film version of the international big coffee-class cast, the drama version of the starring Cass has shrunk a lot in order of magnitude, and many faces are too strange.

Fortunately, the female No.1 in the play has long locked in the Hollywood goddess generation.Jennifer Lynn ConnellyIt will not make this drama version with a well-known IP look too shabby in casting.

When it comes to Jennifer Lynn Connelly, everyone’s first impression is still that she is making her debut.Once upon a time in AmericaThat amazing Debra dance in the movie.

A netizen in Zhihu said that after seeing once in America, she went to watch all her other movies, which shows the charm of the goddess.

This year, Jennifer Lynn Connelly, who has been in business for 36 years, is about to enter.50 years old.

"Snow Country Train" is her first work to meet the audience after last year’s "Alita". If there is no accident, she will partner with Tom.Top gun 2It will also be released at the end of the year.

Top Gun: Maverick is currently scheduled to be released in North America on December 23rd.

In Hollywood Vanity Fair, where the competition for newcomers is fierce, Jennifer Connery has not left the scene for more than 30 years, but is not limited by her age, and is increasingly favored by big productions and big IP.

such"reverse growth" trendFor a 14-year-old female artist who is under the spotlight, it is really rare.

How many beauties in Hollywood have failed to escape?The curse of a good skinSome are self-indulgent and some are involuntarily.

Needless to say, for a long time in the past, the female stars introduced by Hollywood companies controlled by men were nothing more than pleasing the public with their hue.

They went from"Hunting" all over the worldIn an attempt to dig up more girls who first let them and then let the audience covet.

But there are always some excellent actresses who break their frivolity and prejudice.Of course, it is not to deny the appearance, but to impress the audience with acting skills on this basis.

Vivien Leigh (1913 ~ 1967)

For example, there is a saying that is used to evaluate.Vivien Leigh(Gone with the Wind, Oscar for Best Actress)-"She has such beauty without acting, and she has such acting without beauty.”。

The above evaluation also applies to Jennifer Lynn Connelly. But before this recognition, she also went through a long period of transformation.

Before the age of 19, because of her mature temperament beyond her age in Once upon a time in America, Jennifer played many similar precocious roles, and the other two are representativeMagic maze(1986) andDeath of the Swan（1989）。

She is playing against a generation of rock stars.David BowieThe two have a sharp contrast, one is handsome and the other is wild. Working with david bowie at a young age is precious enough.

According to Jennifer Lynn Connelly’s husband, that is, "vision"Paul BettanyHe said that when he was a child, he regarded Jennifer as his dream lover after watching Once upon a Time in America and Magic Labyrinth.

Later cooperationA Beautiful MindWhen the two formally met (there is a supplement to their feelings below).

Death of a Swan is a masterpiece that has been relatively neglected.19-year-old Jennifer has shown the crazy state of being completely immersed in the role in Requiem for a Dream.

In the film, she plays a ballerina. When rehearsing Swan Lake, she finds herself strangely connected with a dead ballerina. The white swan, which was originally pure and kind, gradually slides to the black swan, which hides evil …

Later helped natalie portman win the Oscar-winning title.Black swan(2010) is a sister version of Death of a Swan, except that Natalie was 29 when she played Black Swan and Jennifer was only 19 when she played it.

Besides trying to mature her role many times at an early age, Jennifer Lynn Connelly didn’t give up her studies. She studied in two famous universities, Yale and Stanford, and studied many languages.

The boiling point of passion, 1990.

The university campus life that is completely different from the crew also makes her next role less heavy.A beautiful adolescent girl with a little baby fatIt has become the symbol image of her years, and the most typical one is that the contiguous names are extremely appropriate.Spirits fly（1991）。

In the film, she plays the rebellious daughter of a local rich businessman. In order to deliberately oppose her father, she "confessed" to the ordinary supermarket working boy, and two young people with very different identities gave birth to a relationship.

On quality,"Spirits fly" is just a low-cost little rotten film that is straightforward and naive and meets the fantasy of teenagers..

However, because of Jennifer’s immortal face value and graceful figure, this film has a high onlookers value in bilibili so far, and the short comments on opening Douban are full of praise for Jennifer.

After the age of 20, Jennifer Lynn Connelly has stepped out of the frame of her actress image in Once upon a time in America. While releasing the youthful and glamorous atmosphere, her bodySexy labelIt is also attracting more and more attention.

Boiling point of passion（1990）、Battlefield of Heroes（1994）、Muhlan jump(1996) has a large scale of nudity, the first two parts are different fromDon Johnson(Father of fifty shades of grey heroine Dakota Johnson), Spanish male god.Antonio BanderasWaiting for the male stars to cooperate in intimate scenes.

But just when everyone thought that this beautiful embryo who has repeatedly undressed might find it difficult to take off her sexy label, she was already accumulating strength for the next decade.

In 1998, Jennifer appeared indark cityAn underrated sci-fi film with the same theme as The Matrix. She plays a singer, an equally mysterious existence in the process of the hero’s memory confusion and identity loss.

This is her first time to appear in a serious high-concept science fiction film. Her clothes are wrapped and her temperament has changed greatly.

The following year, she took on an independent film with the reputation of being a god.requiem for a dream(2000), in the director’s drugged psychedelic atmosphere and a large number of close-ups and subjective shots, Jennifer gave a performance state that was even more selfless than Death of a Swan.

Jennifer just turned 30 after Requiem for a Dream. In just two or three years, no one has described her with sexy vases, eyeballs and other words.

Taking advantage of the situation, Jennifer went from independent films.Quickly return to mainstream production., an Oscar hit movie with russell crowe.A Beautiful Mind(2001) Let her finally win.Best supporting actress.

The first high-gold award recognition in the past 16 years.

This film is her most cherished and proud work, and it alsoTherefore, the film became attached to her future husband paul bettany.They got married in 2003.

There is a very special story behind the acquaintance and love of two people.

As mentioned earlier, paul bettany regarded Jennifer as her dream lover when she was a teenager, but they were only in the same group when filming A Beautiful Mind, and they didn’t directly play opposite each other. The confession took place one year later.

At that time9.11 incidentWhen it happened, Paul happened to be on the street of new york. He witnessed the plane crashing into the World Trade Center. At that moment, he realized that many people’s lives had been completely changed.

Like a sudden confusion, he called Jennifer for two days after he ran home (they were not familiar at the time), and the first sentence after the connection was ""I’m coming to see you now. Let’s get married.”。

The phone actually answered Yes, so they came together and spent seventeen years with each other, known as the Hollywood fairy couple.

After the peak of career and a happy family, Jennifer Lynn Connelly’s works are relatively narrow in popularity.

In addition to working with Ang Lee,Hulk(2003), cooperation with Xiao LiziBlood diamond(2006) Except for the two blockbusters, the rest are mostly literary films or medium-cost films for American audiences, such asmassugu ni ikou（2017）。

Last year’s Alita was a commercial blockbuster that she returned to the mainstream after many years.Image meaning is greater than performance meaning.After all, Dr. Elaine in the original comic book needs a talented and qualified actress to match.

Next, I have to wait patiently for her "Top Gun 2" with Tom Cruise.Both of them are over 50.They have also been the dream lovers of countless boys and girls. This cooperation is meaningful.

While writing this tweet, Xiaowan also took a look at bilibili’s various stories about Jennifer Lynn Connelly.

A distinct feeling-just like Hong Kong movie actresses in the golden age, no matter how many years have passed, the beauty of temperament will always be remembered.

Note: Some pictures in this article are from Douban and the Internet. If there is any infringement, please contact us actively.