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　　Comparison of Medical Insurance Negotiations from 2017 to 2020

　　Source: National Medical Insurance Bureau and Essence Securities Research Center.

　　After enterprise declaration, formal review and expert review, the national medical insurance drug list adjustment entered the negotiation stage in 2021. The reporter learned that the on-site negotiation of the medical insurance catalogue is about to begin.

　　Under the background of the rapid development of biotechnology and the accelerated rise of innovative drug industry in China, more domestic innovative drugs are accelerating to the medical insurance catalogue. According to institutional data, about 20 domestic innovative drugs will be negotiated for the first time, and the new indications that have been included in the varieties will be superimposed. In this round of medical insurance negotiations, investors have paid a lot of attention.

　　About 20 domestic innovative drugs were negotiated for the first time.

　　According to the previously published Work Plan for National Medical Insurance Drug List Adjustment in 2021 (referred to as the "Plan") and the medical insurance negotiation process in previous years, it is widely expected in the industry that this year’s medical insurance catalogue negotiation will start soon. The National Medical Insurance Bureau has previously made it clear that if the progress is smooth, this catalogue adjustment work will be completed before the end of this year, and efforts will be made to start implementation in January next year.

　　According to many brokerage research institutions, it is estimated that about 20 domestic innovative drugs will be negotiated for the first time this year, including PARP inhibitors, BTK inhibitors, ALK inhibitors, ADC drugs (antibody conjugated drugs), CAR-T therapy (chimeric antigen receptor T cell immunotherapy), etc., involving many listed pharmaceutical companies such as Beida Pharmaceutical, Baekje Shenzhou, Hengrui Pharma and Zejing Pharmaceutical. Among them, the CAR-T therapy, which is priced at 1.2 million yuan by Fosun Kate, has attracted much attention from the market. Some institutions pointed out that as a representative of expensive new technology, the negotiation result of this variety will closely affect the pricing of new technology products.

　　In addition, the anti-tumor drug PD-1 monoclonal antibody is still the focus. In the medical insurance negotiations in 2019 and 2020, the price reduction of PD-1 monoclonal antibody was remarkable. At present, the competition in the domestic PD-1 market is fierce. Ten PD-1/L1 have been approved for marketing, and new indications have been continuously approved, and the listing of new drugs has continued to accelerate. Ma Shuai, an analyst at Essence Securities, said that among the domestic varieties, the enterprises and varieties that are eligible to participate in the medical insurance negotiation in 2021 are still the four varieties that participated in the medical insurance negotiation last year, and the competition pattern of domestic varieties is relatively relaxed. It is expected that the PD-1/L1 monoclonal antibody will face fierce competition in the medical insurance negotiation in 2022.

　　Regarding the issue of price cuts that the public and investors are concerned about, Industrial Securities said that the current negotiation system for innovative medicine and medical insurance has gradually matured and improved, and it is expected that the future negotiation results will probably continue the overall price cuts in the past few rounds. Although the price reduction is not small, innovative drugs are successfully included in the negotiation list after the game of quantity and price, which will still bring incremental contributions to the corresponding varieties. Rapidly promoting R&D, seizing the first-Mover advantage and reasonable pricing strategy will become important factors in the market competition of innovative drugs.

　　Listed pharmaceutical companies are actively preparing for the war in order to increase the volume.

　　At present, many pharmaceutical companies are actively preparing for medical insurance negotiations. The third quarterly report disclosed by Baekje Shenzhou on November 5 shows that the company is preparing for the upcoming national medical insurance drug list negotiation for qualified products, including adding first-line treatment for non-squamous non-small cell lung cancer, first-line treatment for squamous non-small cell lung cancer and second-line or third-line treatment for hepatocellular carcinoma indications. On the 4th, Rongchang Bio disclosed the prospectus, saying that the company’s core products, Taitacip for the treatment of systemic lupus erythematosus and Videcituzumab for the treatment of gastric cancer, were approved for listing in China with conditions in March 2021 and June 2021 respectively, and the company is actively preparing relevant materials for participating in medical insurance negotiations, with a view to rapidly expanding the sales channels of products in a short time and effectively and rapidly promoting product sales. In the record of investor relations activities disclosed on the 2nd, Beida Pharmaceutical said that at the moment of a new round of medical insurance negotiations, the company is also actively docking the access of Kemena and Bemena.

　　Inclusion in the medical insurance catalogue has undoubtedly become an important catalyst for innovative drug volume. In July this year, the National Medical Insurance Bureau said in its reply to Recommendation No.9562 of the Fourth Session of the 13th National People’s Congress that after three years of continuous adjustment, a total of 233 drugs were successfully included in the medical insurance catalogue through negotiation, and the accessibility of patients to drugs was greatly improved, and the enterprise also reached the market sales expectation. Finally, the goal of "market for price" was realized. According to the data of Medicine Rubik’s Cube, a drug data platform, in 2017, 2018 and 2019, the sales of drugs that were included in the medical insurance catalogue through medical insurance negotiation increased by 128%, 337% and 39% respectively in 2020.

　　The Blue Book on the Progress and Effectiveness of Medical Insurance Drug Management Reform published by China Pharmaceutical Association and China Medical Insurance Research Association shows that among the 34 innovative drugs listed from 2016 to 2020, 26 drugs have entered the medical insurance catalogue, accounting for 76.5%. The time from listing to medical insurance for innovative drugs has also been greatly shortened. In 2017, it will take 4 to 9 years for new drugs to enter medical insurance, shortened to 1 to 8 years in 2019, and further compressed to 0.5 to 5 years in 2020.

　　Huachuang Securities believes that from the perspective of sales amount, except for some products with expired patents, most innovative drugs have achieved price-for-quantity exchange, and the amount has rapidly increased after entering medical insurance.

　　"Innovative drugs are expected to improve the difficulty of access after entering medical insurance, and achieve rapid penetration of hospitals and pharmacies." Ma Shuai analyzed that, on the one hand, after the drug enters medical insurance, it will be less difficult to obtain the recommendation application from clinicians, pass the preliminary selection of departments and finally pass the drug selection meeting in the hospital, which greatly reduces the difficulty of drug entering the hospital and lays a good foundation for the future drug in the hospital; On the other hand, in May this year, the National Medical Insurance Bureau and National Health Commission issued the Guiding Opinions on Establishing and Perfecting the "Dual-channel" Management Mechanism for National Medical Insurance Negotiation Drugs. After the drugs enter the medical insurance catalogue, it is expected that the "dual-channel" mechanism will accelerate the volume of products at the pharmacy side.

Jetta, once a star of Volkswagen, has now become an independent brand, mainly focusing on the low-end market:

Among them, Jetta VA3, as an entry-level model, attracts consumers with its close-to-the-people price and powerful terminal concessions. Recently, some network news mentioned that the lowest price of the new Jetta reached 45,000, but there is a gap between the actual price and the online statement. For example, the official quotation for the minimum configuration of Jetta VA3 manual gear is 59,800 yuan, which shows that the online price information may be biased.

In terms of technical configuration, Jetta VA5 follows Aisin 6AT transmission, and its stability and durability are excellent compared with Volkswagen’s dual clutch. In terms of power, it is equipped with EA211 engine, which outputs 112 horsepower and 145Nm torque, which can meet the daily needs of families, but may lack driving passion. In terms of selection, it is recommended to enjoy the second-highest model, which is only 700 yuan more expensive than the lowest model, but it is equipped with practical configurations such as front seat side air curtain and seat head airbag, which is more cost-effective.

As for King Kong, this is a small car of Goodwill Head Group, which used to sell well, but it gradually faded out of the market in recent years due to the adjustment of the group’s strategy. King Kong has stopped production in 2019 and there is no new listing plan. Despite its simple appearance and simple interior, Goodwill King Kong can still meet the basic travel needs with its body size of 4342*1692*1435mm and wheelbase of 2502 mm. The equipment in the car is also practical enough, including basic functions such as anti-theft system and leather-proof seat.

In terms of power, King Kong is equipped with a 1.5L self-priming engine, which provides 102 horsepower and 141 Nm of torque. With a 5-speed manual or 4-speed automatic transmission, it ensures the convenience of daily driving. Generally speaking, Jetta and King Kong have their own strengths, and consumers can make wise choices according to their own needs and budgets.

1905 movie network news On February 2 nd, the film directed and starring released posters of characters, and powerful actors such as,, and joined in surprise, showing their true colors. Wang Baoqiang led the joint formation of the "Shaolin Immortal Team" to "martial arts" together to celebrate the Spring Festival.

In this group of posters, each character stands on the top of the mountain and between the clouds, showing a strong retro texture, highlighting the artistic conception of martial arts in kung fu films. Haoran Liu lit the Spring Festival stalls with Wang Baoqiang and Dahong Ni presented the first show of Kung Fu film, which made the film highly anticipated. The film will land on the video platform on the first day of February 12.

Shaolin lineup reveals the plot suspense and leads to speculation.

The nine posters released this time, the main characters of the film appeared one by one, and the Shaolin lineup made its debut for the first time. The rough texture of the poster has a strong sense of retro nostalgia. Between the vague clouds and fog, the distant mountains are stacked and the deep forests are scattered, like a freehand painting of China landscape. Nearby, the figure stands on the top of the mountain, which means "the peak of Shaolin" and has a martial artistic conception.

And each character corresponds to a different tone, thus forming a set of various "Shaolin figure maps". Depao, the protagonist played by Wang Baoqiang, dressed in a Shaolin monk’s robe, made his kungfu initial moves with steady steps and concentration. The color behind it is like a glow of sunlight and a Buddha’s light, so Debao painstakingly participates in meditation and practices hard day and night, showing the spirit of Shaolin martial arts. Dahong Ni plays an unknown monk, with a cool tone behind him, which gives people a sense of abstinence.

Debao and the monk show completely different monk temperament, which makes people wonder how they are related to Shaolin. Ng Man Tat, the actor most familiar to the audience, especially plays the merchant elder, and a penny-pinching businessman style represents the worldly side. Haoran Liu’s prince, who plays in this friendship, is gorgeous and luxurious. What impact will such a powerful figure have on Shaolin Temple? The most mysterious of all is Tu Hao, played by Du Guiyu, who shows people sideways under his black robe or will become a dangerous person.

In addition, Tie Daxue, as the only female figure, gives the film a bright female background; The meat played by Bai Zeze also adds a touch of innocence and childishness to the film. Simon Zi and Yuan Song, one like a general and the other like a warlock, also bring more possibilities and imagination to the plot. When Buddhism, the royal family and the secular world meet together, what kind of new legend of Shaolin Kung Fu will be staged by these distinctive figures?

Stars gather to celebrate the New Year. Watch it and look forward to it.

The release of the poster and the comprehensive announcement of the "Shaolin Immortal Lineup" also set off many heavy points of the film for the audience. Among them, Dahong Ni’s appearance in such a pure kung fu film is undoubtedly the most contrasting point. Although he has created a variety of characters in a series of high-quality works, changing into a monk costume makes people wonder whether he will also have martial arts scenes in the film.

The most surprising thing to watch is Haoran Liu’s surprise joining, and his cooperation with Wang Baoqiang has made them the favorite gold partner of the audience on the screen. In the Spring Festival of 2021, the two men continued their mental adventure in Lieutenant General, and at the same time appeared in The Legend of Shaolin Temple to embark on the journey of force, which can be called "exploring the Tang Dynasty" and "gaining treasure" in literature and martial arts, which is a double celebration of the New Year.

In addition, the core point of view is that Wang Baoqiang plays a Shaolin disciple, and will show the most powerful Shaolin martial arts in the film. Once the preview of the previous film was released, it attracted the attention of many netizens, who lamented Wang Baoqiang’s "impressive physical fitness", "vigorous and powerful in one stroke and one style, showing excellent martial arts skills" and "worthy of being a lay disciple who really practiced Shaolin Kung Fu".

The latest information of the first international medical quality and safety summit forum has just come out!

Food is the first necessity of the people.

Medical treatment is based on quality.

The importance of medical quality is self-evident

Don’t miss it when you pass by

Let’s take a look at the feast of the first international medical quality and safety summit forum!

Take a look and count the delicious food.

Qionghai city-Jiaji Duck

Wenchang City-Wenchang Chicken

Wanning City-East Goat

Wanning City-Hele Crab

Four famous dishes in Hainan. Shh! Don’t tell him/her.

Emmmm··· ···

Accidentally xiaobian’s nature was exposed.

Without further ado, get down to business.

Foreign guests have been grandly introduced in the last issue.

What are the big coffees in China?

Have you been itching to wear the anxious heart?

Don’t worry, watch me come together.

Attention, high energy ahead! ! !

The latest team of "Hot Spots+Big Coffee"

It definitely dazzles you.

Let’s start with a basic appetizer

[1]

Focus on "grass roots" and "foundation"

Basic medical care-the key to hospital survival

(Guests are arranged in order of appearance)

| Han Guangshu |

Vice Chairman of China Pharmaceutical Quality Management Alliance

Dean of Nanjing Gulou Hospital affiliated to Nanjing University School of Medicine

| Liu Tingfang |

Chairman of China Hospital Quality Management Alliance

Founder of Tsinghua University Hospital Management Research Institute

ISQua global top 100 expert database experts

| Liu Jilan |

HIMSS Vice President and Executive Director of Greater China

| Fan Shaofei |

Chairman and CEO of Ping An Wanjia Medical Investment Management Co., Ltd.

| Qiu Wenda |

Chairman of the International Academic Committee of Tsinghua University Hospital Management Research Institute

Chief Executive Officer of AMHC Medical Group, USA

[2]

A time will come to ride the wind and cleave the waves,I’ll set my cloud-like sail to cross the sea which raves.

Looking back on the past and looking forward to the future.

Medical quality: Where do you come from? Where will you go?

| Qiao Jie |

Vice Chairman of China Hospital Quality Management Alliance

Academician of Chinese academy of engineering

Dean of Peking University Third Hospital

| Huang Zuhu |

Vice Chairman of China Hospital Quality Management Alliance

President of Jiangsu Provincial Hospital Association

| Zhao Hong |

President of Health Media

CEO of Huamei Kangxun Information Technology Co., Ltd.

| Kang Feiyu |

Deputy Secretary-General Tsinghua University and Dean of Shenzhen Graduate School.

Founder of Tsinghua University Hospital Management Research Institute

| Zhang Zongjiu |

National Health Commission (NHS)

| Liu Qian |

President of China Hospital Association

Former Deputy Director of the State Health Planning Commission

| Huang Jiefu |

Dean of Tsinghua University Hospital Management Research Institute

[3]

Tell the world loudly

Achievements and achievements of medical quality development in China.

Pack your bags so that we can be better prepared.

| Chen Hu |

Vice Chairman of China Hospital Quality Management Alliance

Director, Ethics Construction Division, National Health and Family Planning Commission, Medical Administration and Hospital Authority

| Liu Guoen |

Chairman of Academic Committee of National Development Research Institute

Deputy Director, Department of Economics and Management, Peking University

Director of chinese health economics Research Center of Peking University.

| Wang Weilin |

Vice Chairman of China Hospital Quality Management Alliance

Dean of the First Affiliated Hospital of Zhejiang University

[4]

Thinking …

Strengthen …

Promotion …

Rome was not built in a day.

We need to work harder in the future.

| Shi Zhaorong |

Former President of Nanjing General Hospital of China People’s Liberation Army

Deputy Director of the Military Medical Quality Management Expert Committee

Vice President of Jiangsu Medical Association

| Shi Bingyin |

Vice Chairman of China Hospital Quality Management Alliance

Dean of the First Affiliated Hospital of Xi ‘an Jiaotong University

| Qian Juying |

Vice President of Zhongshan Hospital affiliated to Fudan University

| Li Weimin |

Vice Chairman of China Hospital Quality Management Alliance

Dean west china hospital.

| Zhu Huadong |

Vice Chairman of China Emergency Quality Control Alliance

Deputy Director of Emergency Department of Peking Union Medical College Hospital

[Wu]

The first international medical quality and safety summit forum and QCC competition were held simultaneously.

Double-chime will bring double shock.

| An Ping |

Vice Chairman of China Hospital Quality Management Alliance

President of Sichuan Provincial Hospital Association

| Li Heping |

Vice Chairman of China Hospital Quality Management Alliance

President of Shanxi Provincial Hospital Association

| Li Xingang |

Vice Chairman of China Hospital Quality Management Alliance

Dean of Qilu Hospital of Shandong University

Vice President of Neurosurgeon Branch of Chinese Medical Doctor Association

| Gu Jianqin |

Vice Chairman of China Hospital Quality Management Alliance

President of Henan Provincial Hospital Quality Management Association

Dean of Henan Provincial People’s Hospital

Land

Criticism and encouragement go hand in hand.

Today’s achievements are the driving force for tomorrow.

| Xue Lei |

Vice Chairman of China Hospital Quality Management Alliance

Vice President of Tsinghua University Hospital Management Research Institute

| Bai Zhiqin |

President of Hainan Provincial Hospital Association

| Du Kelin |

Vice President of China Hospital Association

President of Yunnan Provincial Hospital Association

The first international summit forum on medical quality and safety &QCC Competition was co-sponsored by China Hospital Quality Management Alliance, International Medical Quality Association (ISQua), Tsinghua University Hospital Management Research Institute and health media. With QCC (International) Competition as the carrier, it attracted dozens of international top experts and domestic top hospital presidents and other important guests to share the basic principles of medical quality improvement. With the latest idea of improving quality and safety, the forum helps the Chinese medical quality management model to go global, broadens the horizons for hospital managers in medical quality management, and provides a powerful model with reference value.

Important activities will also be held at the same time, such as 2018 Boao Health Summit, Investment and Financing Forum of Entropy Medical Care, China Social Medical Conference, China Medical Innovation Summit & Competition, 21st Century Hospital Dean Forum & China Hospital Management Case Selection, Healthy China and Industrial Development Summit Forum, and Entropy Meeting-Medical Innovation Exhibition and Experience.

In April 2018, Boao met with you!

The schedule is as follows:

1905 movie network news The film The Island, directed and directed by Bo Huang and starring Wang Baoqiang, Shu Qi, LAY, Yu Hewei and Wang Xun, will be released nationwide on August 10th. Recently, the film side announced that from July 27th, the film The Island will hold the "Nine Cities Premiere" in Wuhan, Shenyang, Hefei and other major cities in China. The super drama will be watched in advance, and audiences from all over the country will be invited to watch it. The Island’s national "Group Construction Bank" activity will also be launched simultaneously, and film creators Bo Huang, Wang Baoqiang and Wang Xun will appear at the event site to join the audience in summer and share interesting stories before and after the movie.

The premiere of the movie "Nine Cities in The Island" will start immediately. Look at the word-of-mouth in advance and get ready to go.

The film The Island is a highly anticipated work in this summer’s summer file, which combines powerful actors such as Bo Huang, Wang Baoqiang, Shu Qi, LAY, Yu Hewei and Wang Xun to form a super-strong lineup, and is also guaranteed by Bo Huang’s eight-year polishing script. There are also many fans who are full of curiosity about director Bo Huang’s first film and wonder what kind of story Bo Huang will tell.

In order to give back to the audience’s expectation, recently, the The Island Film Company announced that it will launch a nationwide summer delegation construction and "Nine Cities Premiere" activities, so that the "good show" can be previewed. From July 27th, there will be nine premieres of the film The Island in Wuhan, Shenyang, Hefei, Shenzhen, Chongqing, Shijiazhuang, Guangzhou, Shanghai and Beijing, and invitations will be distributed to invite national audiences to enjoy the upcoming The Island on August 10th in advance. Bo Huang, Wang Baoqiang and Wang Xun, the film’s creators, will also come to the scene to have close communication with the audience and share interesting things before and after filming. Super lineup of summer blockbusters will be shown in advance, and the drama will be delivered immediately! For more detailed arrangements about the premiere of the film, the audience can pay attention to the film official Weibo for details.

The movie The Island National "League Construction Bank" is on fire, and Bo Huang invites you to turn over the summer together.

In addition to the premiere in nine places, there are more interesting activities in The Island during the hot summer vacation. It is reported that the film The Island is an allegorical story about the employees of the company who were shipwrecked on a group trip and were forced to live together on a desert island, and faced a series of "human nature" problems. Director Bo Huang also said that "Tuan Jian" is very important in the film, and the whole story revolves around it. Therefore, starting from July 27th, Bo Huang, Wang Baoqiang and Wang Xun will be incarnated as "ambassadors for group building", looking for the most "promising" and "interesting" teams in the premiere cities of Jiucheng, Chengdu, Changchun, Nanchang, Dongguan, Nanjing and other places, and accompanying them to carry out the group building in the middle of summer, and the activity of "A Good Play for National Group Construction Bank" will be started. The audience can not only get in close contact with the film masters at the event, but also let the star actors become part of their own team and learn the rules of fairness, competition and cooperation together in the group building.

　　BEIJING, July 9 (Li Zhanghong) On the 9th, this new regulation of the central bank was officially implemented, involving the wallets of hundreds of millions of users of many payment institutions such as WeChat Pay and Alipay, making it safer for you to spend money in buy buy.

　　That is to say, the payment institution will gradually increase the centralized deposit ratio of customers’ reserve funds every month from July 9, and realize 100% centralized deposit to the central bank by January 14, 2019.

　　What is customer reserve?

　　The money you have in the account of the payment institution, such as Alipay balance, WeChat change, prepaid card balance, etc., all belong to the customer reserve. They are not deposits, but prepaid value in essence.

　　It should be pointed out that the funds in the accounts of wealth management products such as Yu ‘ebao are monetary funds, not customer reserves, and are subject to different supervision.

　　According to the definition of the central bank, customer reserve is the monetary fund to be paid by the payment institution in advance from its customers.

　　Specifically, when we buy goods or services on the e-commerce platform, we first transfer the money to the virtual account of the payment institution. After you get the confirmation of the goods, the payment institution will transfer the payment to the merchant, and when the payment is retained in the account of the payment institution, the deposited funds formed belong to the reserve fund.

　　On November 14, 2017, after the "Double Eleven" online shopping, the express delivery peak in the campus of a university in Nanjing. Photo by Luo Bo

　　What is the scale of customer reserve?

　　According to Analysys data, in the third quarter of 2017, the overall transaction scale of comprehensive payment services of non-financial payment institutions in China has reached 42 trillion yuan. This means that the customer’s reserve fund is not decimal.

　　According to the relevant person in charge of the central bank, it took only three years for the stock balance of customer reserve funds of payment institutions to rise from 126.6 billion in 2013 to more than 460 billion at the end of the third quarter of 2016. According to the calculation of market institutions, the scale of customer reserve of payment institutions is likely to have exceeded one trillion.

　　By the end of May 2018, the deposits of non-financial institutions in the balance sheet of the central bank’s monetary authorities were 500.923 billion yuan, a fourfold increase compared with January. If calculated according to the 50% deposit ratio implemented before July 9, the scale of customer reserve of payment institutions has exceeded one trillion.

　　"Non-financial institution deposit" refers to the customer reserve deposit deposited by the payment institution with the People’s Bank of China.

　　Without effective supervision, is this money safe?

　　The ownership of the customer’s reserve fund belongs to the customer of the payment institution, but unlike the customer’s bank deposit, it is not protected by the Deposit Insurance Regulations, nor is it deposited in the bank in the name of the customer. Previously, it was deposited in the bank in the name of the payment institution, and the payment institution initiated the fund transfer instruction to the bank.

　　In other words, the reserve fund originally belongs to the customer, but it is actually dominated and controlled by the payment institution.

　　Before the centralized depository system was implemented, the deposit method of customers’ reserves of payment institutions was mainly to open accounts in several banks in their own names for decentralized deposit. According to the data of the central bank, on average, each payment institution opens 13 customer reserve accounts, and the largest number of customer reserve accounts is 70.

　　Therefore, the debate and discussion on the safety of user’s reserve funds and whether there is any misappropriation has been going on.

　　What are the specific risks of our money?

　　First, there is a risk that the customer’s reserve fund will be misappropriated by the payment institution.

　　The reporter found out that the phenomenon of payment institutions misappropriating customers’ reserve funds has occurred from time to time across the country. Shanghai Changbu Company, whose payment business license was cancelled by the central bank in 2016, maliciously misappropriated the reserve fund, resulting in a capital risk exposure of 780 million yuan, involving 51,400 cardholders, and the rights and interests of customers were seriously infringed. Since 2018, payment institutions in Hangzhou, Qingdao and other places have been punished for misappropriating customer reserve funds.

　　Second, some payment institutions illegally occupy customers’ reserve funds for purchasing wealth management products or other high-risk investments.

　　Zhao Xijun, deputy dean of the School of Finance and Finance of China Renmin University, said in an interview with Zhongxin.com that if the payment institution invests in projects with high risks, there may be risks and losses. Once there is liquidity problem during payment, it will affect the normal operation of the whole payment business.

　　Third, payment institutions may provide channels for criminal activities such as money laundering.

　　Payment institutions handle inter-bank capital settlement through reserve accounts opened in various commercial banks, operate beyond the scope, and exercise the inter-bank clearing function of the central bank or clearing organizations in disguise. What’s more, some payment institutions take this opportunity to provide channels for criminal activities such as money laundering, which also increases the hidden dangers of cross-system transmission of financial risks.

　　Fourth, the decentralized storage of customer reserves is not conducive to the overall fund management of payment institutions, and there is liquidity risk.

　　So, the central bank shot!

　　That is to implement "centralized depository".

　　Centralized deposit of customer reserve funds means that the payment institution deposits the customer reserve funds into the special deposit account of the designated institution according to a certain proportion.

　　At the beginning of 2017, the central bank issued a document requiring the payment institution to deposit the customer’s reserve funds into the designated institution’s special deposit account according to a certain proportion, with the highest proportion of 20%. At the beginning of 2018, the central bank gradually increased the deposit ratio of reserve funds to 50%, and from February to April 2018, the centralized deposit ratio was increased by 10% every month.

　　On June 29, the central bank issued a new notice, clarifying that from July 9, 2018, the proportion of centralized deposit of customer reserve funds of payment institutions will be gradually increased on a monthly basis, and 100% centralized deposit will be realized by January 14, 2019.

　　The central bank also requested thatThe depository bank of reserve funds has been changed from a qualified commercial bank to a branch of the People’s Bank of China where the legal person is located (that is, the customer reserve funds of payment institutions will be directly supervised by the central bank, and the customer reserve funds accounts will no longer be scattered in various commercial banks).. At the same time, the deposit time of the reserve fund is also the second Monday of each month instead of the original quarterly deposit, and the deposit base is the daily average balance of the customer’s reserve fund in the previous month.

　　Zhao Xijun believes that centralized depository eliminates the phenomenon that payment institutions can misappropriate customers’ reserve funds, makes the management of reserve funds more standardized and safe, reduces the risk of reserve fund management, and also reduces the risk of liquidity of payment institutions.

　　Will it affect the shopping experience of users?

　　Some users are worried that the centralized deposit of customers’ reserve funds by payment institutions will affect the shopping experience during the payment process. The relevant person in charge of Tencent Tenpay said that it will not have a direct impact on users.

　　In fact, after the centralized deposit of customers’ reserve funds, the phenomenon of illegal misappropriation of reserve funds by payment institutions will be curbed, and it will be safer to spend money on third-party payment platforms such as Alipay and WeChat. Moreover, the balance of consumers in various prepaid cards will also be more effectively guaranteed.

　　The relevant person in charge of Alipay and Tencent Tenpay told the reporter of Zhongxin.com that the central bank’s move is conducive to the healthy, stable and sustainable development of the industry.

　　The latest report released by Ipsos shows that the number of mobile payment users in China is about 890 million. Among them, there are 820 million Tenpay users and 650 million Alipay users related to WeChat payment, and their user penetration rates are 85.4% and 68.7% respectively.

　　In the past, payment institutions deposited customers’ reserves in commercial banks in the form of deposits and charged interest, which was called "lying down to make money". According to the relevant regulations, the customer’s reserve funds deposited by the payment institution will not be subject to interest. On the surface, the payment institution will lose part of its profit source, resulting in losses.

　　In fact, many payment institutions earn interest income by expanding the scale of customers’ reserves, which deviates from the main business of providing payment services, causing disorder and confusion in the payment service market to a certain extent and destroying the market environment of fair competition.

　　The Notice of the General Office of the State Council on Printing and Distributing the Implementation Plan for Special Remediation of Internet Financial Risks clearly puts forward that payment institutions should be prevented from taking "eating spreads" as the main profit model, the incentive mechanism for business development of payment institutions should be rationalized, and non-bank payment institutions should be guided to return to the purpose of providing small, fast and convenient micro-payment services.

　　The relevant person in charge of the central bank said that the centralized deposit and management of customer reserves of payment institutions is conducive to restoring the business origin of payment institutions, protecting the legitimate rights and interests of consumers, maintaining financial stability and market order, and better promoting the sustained and healthy development of the payment service market.

广州车展迎来公众开放日 现场人流如潮车市信心恢复 车企看好明年　　过去这个周末，广州国际车展迎来了公众开放日。一个热闹周末的背后，是整车企业、上下游零件企业、消费者等多方面日渐恢复的信心。　　汽车从业者和消费者信心的恢复，显然有迹可循。就在广州车展开幕前两天，国务院常务会议提出要“稳定和扩大汽车消费。鼓励各地调整优化限购措施，增加号牌指标投放。开展新一轮汽车下乡和以旧换新”。广州车展的热络，正是这一要求的最佳注脚。　　现场：场内人头涌动 场外停车排长龙　　周六早上9时许，记者在琶洲国际会展中心看到，大批观众早已在等候进场，再加上不少参展商工作人员也选择此时间进入展馆，一时间，车展的两个入口竟都排出了几条长队。“没想到人们这么早就来了。”一位现场保安人员多少有点惊讶。到上午11时许，展馆更是人头涌动。从江门开平专程来广州看展的林女士，在广汽埃安展区驻足许久，她正在为自己未来的爱车挑选颜色和内饰。“我想要买一款适合小城市的新能源代步车，好开第一，颜值第二，看来看去，还是AION S比较合适。”　　更多观众是一家大小齐来看车。从佛山赶来的周先生正体验传祺M8，他向记者说:“全家六口人都来了，就是冲着这辆七座车来的。”周先生的夫人谢女士接话：“这车够宽敞，适合全家自驾游，爸爸妈妈年纪大了，想多带他们去周边看看。”　　车展之外，长长的停车车龙也是广州车展信心的一个侧面。周六上午12时许，记者看到，停车的长龙从南风东路与阅江路的交界处一直排到会展中心8号门处，阅江中路两侧都停满了来参观车展的车辆。停车管理工作人员陈师傅告诉记者，这样的架势，最近两年几乎只有广交会时才能有。　　在广汽馆，广汽埃安请来了篮球界“路人王”球员前来拍摄助阵，充满科技感的展台设计也吸引了一众年轻人拍照打卡。在展区侧方，“科幻机甲争霸赛”吸引了小朋友的注意力。家住海珠区的李先生在旁等待围观“争霸赛”的小儿子，他说:“广汽埃安展台做得很有意思，我在车型区看完车，还能带儿子去科技区涨知识。”　　在豪华车方面，奔驰展馆是人气最旺的一家。奔驰方面相关负责人告诉记者：“从这两天情况预计，单个经销商在广州车展这一周左右的时间能卖出250台～280台，这个量相当于日常一个月的销量。”　　车企：多数车企对明年形势表示乐观　　对于车企来说，广州车展既是今年年末的一次冲刺，也可以为开启新一年打打“前哨战”。对于明年的市场形势，大多数车企都表现出信心和乐观。　　广汽集团总经理冯兴亚介绍，广汽集团今年做到了连续第三年产销量双双超过200万辆。冯兴亚乐观地认为，在合资“两田”和自主品牌“双子星”的助推下，广汽集团的2021年值得期待。上汽通用总经理王永清的目标也很明确：“如果明年市场同比增长在7%～8%左右，上汽通用汽车明年的计划目标是要跑赢大盘。”日产中国管理委员会主席、东风有限总裁山崎庄平对东风汽车有限公司今年1～10月份销量成绩的评价是“不错”。　　车企的信心源于对国内经济形势的乐观。广汽乘用车副总经理李勇也有类似的看法。李勇的信心，来源于三层因素：“第一，中国经济形势趋好，对车市产生正向关联。第二是政策层面的影响。前几天国务院发布了刺激汽车市场消费的政策。第三个是疫情也促使一些消费者加快满足汽车需求。”　　今年，豪华车市场的表现高于整个汽车行业的平均水平，明年的情况会如何呢？　　雷克萨斯中国副总经理陈忱预计，2021年中国豪华车市场会出现微幅增长。戴姆勒股份有限公司董事会成员大中华区负责人唐仕凯预期，今年中国市场的整体销量将占梅赛德斯奔驰全球销量的35%～40%左右。“毫无疑问，中国依然是我们最重要、最具潜力的市场。”　　未来趋势：　　新能源车加速本土化　　日前，国务院办公厅印发的《新能源汽车产业发展规划（2021－2035年）》提出，到2025年，纯电动乘用车新车平均电耗降至12.0千瓦时/百公里，新能源汽车新车销售量达到汽车新车销售总量的20%左右；到2035年，纯电动汽车成为新销售车辆的主流，公共领域用车全面电动化。在此背景下，新能源车在本次车展上大出风头。　　广汽新能源推出了其重要新车型“埃安Y”。广汽新能源副总经理肖勇说，埃安Y要与燃油车争夺年轻人市场。他信心满满地表示：“广汽埃安成为新能源车头部企业的目标不动摇。”　　本土车企踌躇满志，合资车企也正努力推进电动汽车的本土化。大众汽车集团（中国）CEO冯思翰表示，大众汽车集团将于2020年至2024年间向中国市场投资150亿欧元，以加速中国电动化布局。　　除了推出新车型，扩大新能源合作的“朋友圈”也是许多外资车企加速进军中国市场的“捷径”。已经与孚能科技以及宁德时代建立战略合作的梅赛德斯奔驰，在广州车展期间宣布，将和吉利共同开发用于混动技术的下一代汽油发动机。

　　Meat from unknown sources and slaughtered indiscriminately may carry a large number of pathogenic bacteria and parasites, endangering people’s health and life safety. According to statistics, in the first half of this year, the national market supervision departments investigated and dealt with 1,013 illegal cases of meat food safety and transferred 56 cases to judicial organs. On September 4, the General Administration of Market Supervision exposed a number of typical cases of illegal meat products, and severely cracked down on illegal activities such as meat products without inspection and quarantine, smuggling, indiscriminate slaughter, doping and adulteration.

　　[Case 1] In April, 2023, Changzhou Market Supervision Bureau and the public security organs of Jiangsu Province conducted a joint inspection and intercepted a large truck. The cargo package of the truck was marked with the name of beef tripe and the origin of Brazil, and the owner Gao and others could not provide customs declaration and inspection and quarantine information. After investigation, Gao and others bought 6 trucks of smuggled beef tripe and other products with a value of 6.6 million yuan from Ningde, Fujian, and prepared to ship them to Henan and other places for sale. Law enforcement officers seized 39.94 tons (1775 boxes) of smuggled beef tripe and 10.5 tons (875 boxes) of pork tripe without inspection and quarantine. The behavior of the party concerned violated the food safety law and was suspected of constituting a crime. Changzhou Municipal Market Supervision Bureau transferred the case to the public security organ according to law.

　　[Case 2] Since the beginning of this year, the Market Supervision Bureau of Linhai City, Zhejiang Province, based on the clues reported, has jointly seized three ships engaged in frozen livestock and poultry meat and by-products without legal sources, and arrested 11 people involved. Frozen livestock and poultry meat and its by-products such as tripe, beef, pork tripe, pig ears, pig nose and turkey wings involved in the case totaled more than 800 tons, and the value of the goods involved exceeded 40 million yuan. After investigation, they came from Brazil and other places without relevant import and quarantine certificates. The party’s behavior violated the comprehensive anti-smuggling regulations of Zhejiang Province and was suspected of constituting a crime. Linhai Municipal Market Supervision Bureau transferred the case to the public security organ according to law.

　　[Case 3] In March, 2023, the Market Supervision Bureau of Cangnan County, Zhejiang Province conducted an on-site inspection on Cangnan Dongyao Technology Development Co., Ltd., and found that there were 10,300 boxes of 9 kinds of cattle by-products labeled as "domestic fine cattle vice" in the cold storage, totaling 206 tons, and 2,930 blank boxes printed with "domestic fine cattle vice" and "domestic fine pig vice". The parties are unable to provide the warehousing list of the above-mentioned goods, proof of the legal source of the products and proof of conformity. After investigation, the parties took advantage of their own convenience in operating the cold storage to transport the frozen products smuggled at sea to the underground cold storage where their location was hidden, dismantle the original imported packaging boxes and replace them with domestic packaging boxes, and then sell them to the outside world for high profits. The party’s behavior violated the food safety law and was suspected of constituting a crime. Cangnan County Market Supervision Bureau transferred the case to the public security organ according to law.

　　[Case 4] In April 2022, the Market Supervision Bureau of dongzhi county, Anhui Province inspected Wang Moumou, an individual industrial and commercial household in Yaodu Town, dongzhi county, according to the clues provided by the public security organs. After investigation, Wang was engaged in the sale of pork food. From July to August, 2021, he bought pork slaughtered by private butchers without inspection and quarantine and sold it to consumers. The behavior of the party concerned violated the food safety law, and the dongzhi county Municipal Market Supervision Bureau imposed an administrative penalty on the party concerned according to law, with a fine of 196,800 yuan.

　　[Case 5] In May, 2023, the Market Supervision Bureau of Wanzai County, Jiangxi Province received a tip and seized 1,406 pieces (20kg/piece) of frozen beef from India, totaling 28.12 tons. After investigation, the parties involved transported and sold 73.7 tons of frozen beef, and the value of the goods involved was more than 3.6 million yuan, so it was impossible to provide a true inspection report and business license. The party’s behavior violated the food safety law and was suspected of constituting a crime. Wanzai County Market Supervision Bureau transferred the case to the public security organ according to law.

　　[Case 6] In May, 2022, Zhengzhou Market Supervision Bureau of Henan Province checked according to the reports of the masses, and found 222 boxes of smuggled frozen tripe in a frozen goods firm, weighing about 5 tons and worth 30,000 yuan. The parties could not provide inspection and quarantine certificates, purchase bills and supplier qualifications. Law enforcement officers confiscated 222 boxes of smuggled frozen tripe and fined 600,000 yuan.

　　[Case 7] In May 2023, the Market Supervision Bureau of Fengshun County, Guangdong Province conducted an on-site inspection according to the notification from the public security organ, and seized 23.7 tons of frozen meat products, such as frozen beef heart tubes and frozen beef ribs, from a trailer loaded with imported frozen meat. The goods involved were 1.34 million yuan, of which 3 kinds of frozen meat products came from epidemic areas. No customs declaration form for imported goods, inspection and quarantine certificate for imported goods and other supporting documents were found at the scene. The behavior of the party concerned violated the food safety law and has been suspected of constituting a crime. Fengshun County Market Supervision Bureau transferred the case to the public security organ according to law, and two suspects have been arrested.

　　[Case 8] In February, 2023, the Market Supervision Bureau of Rongchang District, Chongqing received a report from the masses to carry out on-site surprise inspection, and seized 10 tons of salted beef omasum operated by Guo, who could not provide the supplier qualification certificate and the animal quarantine certificate of beef omasum. The value of the goods involved reached 300,000 yuan. Chongqing Rongchang District Market Supervision Bureau confiscated 10 tons of salted beef omasum without inspection and quarantine, and fined 2.1 million yuan. (Reporter Zhao Wenjun)

Recently, the tension in the Middle East has escalated again. As Iran launched a large-scale missile attack on Israel, the Israeli government clearly sent out a signal of revenge. Various parties have speculated that as the two strongest military forces in the Middle East are about to collide, does this mean that the Sixth Middle East War is about to begin? The New York Times even pointed out that the United States and other big countries may be involved. There are indications that there will be five possibilities for this all-out war in the Middle East, and the United States has become the biggest variable. Once the United States enters the game, it will also be the time for China to make a move.

According to the analysis of military experts, the first of these five possibilities is that Iran and Israel retaliate against the bilateral war. Similar to the "Iran-Iraq War" in the 1980s, Israel will carry out large-scale sabotage actions against Iran, and Iran will continue its missile counterattack against Israel. At present, Iran has a variety of medium-and long-range missiles covering the whole territory of Israel, while Israel’s air force ranks first in the Middle East, with more than 600 modern fighters. F-15s, F-16s and F-35s can all strike Iran from a long distance. Therefore, the two sides will come and go, and only when the war potential is exhausted will they really stop. Secondly, all the forces in the Middle East joined the war and all-out war broke out.

Another possibility is that Israel continues to threaten the Iranian regime by means of "long-range beheading". Including Hamas leader Chana and Hezbollah leader Nasrallah, were assassinated by Israeli long-range strikes. At present, within the Iranian regime, there is no small contradiction between the pro-western camp headed by the president and supreme leader Khamenei. With the start of the war, Israel will inevitably treat the Tehran regime like Nasrallah in the process of continuing long-range bombing of Iran, and Khamenei will also become the target of a new round of assassination by Israel.

Considering the complexity of the situation in the Middle East, Iran and Israel may continue the situation in April this year and have another "missile exchange" in order to avoid a complete war. In this situation, neither side will easily launch military operations on the ground, which leads to the fifth possibility, that is, Israel will launch a limited counterattack against Iran, but will put its main military forces in Lebanon. After all, Hizbullah’s armed forces are the biggest threat to Israel at present. Only by thoroughly eradicating Hezbollah in Lebanon can Israel ensure its own security and further expand its scope, which can be described as a win-win situation.

Ingenuity is delicious, and the drops are mellow. Water moistens Jingchu, and rivers are like pearls. In order to thoroughly implement the strategy of the provincial party committee and the provincial government to strengthen agriculture and brand, and further enhance the social reputation and consumer recognition of provincial public brands such as Hubei rapeseed oil, Jianghan rice and Jingchu grain and oil, on July 31st, the food menu release conference of Hubei rapeseed oil and Jingchu grain and oil was jointly sponsored by the Provincial Grain Bureau and the Provincial Department of Agriculture and Rural Affairs, guided by the Provincial Department of Commerce, and jointly hosted by the Provincial Grain Industry Association and the Provincial Cooking Hotel Industry Association. It is reported that the first evaluation value of "Hubei rapeseed oil" brand is as high as 9.07 billion yuan.

"Hubei Rapeseed Oil" Food Menu Released

The theme of this activity is "Chu food for kitchen, Chu oil for cooking, rape for cooking, and Chinese people eating Chu food". Through the cultural collision between grain, oil and food, this activity explores the multi-dimensional integration of Chu food, Chu oil and Chu food, fully demonstrates the brand value, brand culture and brand characteristics of grain and oil in Hubei Province, and continues to be bigger and stronger, better and better as a public brand of Hubei grain and oil.

At the event site, there were not only a banquet SHOW and food production by Chu Cuisine Master Chu Liangchu Cuisine, but also brand promotion around Jianghan Rice, Wuhan Regan Noodles and Jingchu Cereals and Oils. Sun Taoxiang, Lu Yongliang, Zou Zhiping and Tang Tianjian, the masters of Chu cuisine, came to the scene to speak for Hubei Rapeseed Oil, Jianghan Rice and Jingchu Good Noodles. Through in-depth interpretation of the "Jianghan Rice" in the minds of Chu cuisine masters and the "one-sided relationship" between Chu cuisine masters and Jingchu Good Noodles, the ingenious technology and unique quality of good rice, good oil and good noodles were interpreted.

At the launch conference of "Hubei Rapeseed Oil" food menu, the guests joined forces with Chu Cuisine Masters and brand recommenders to jointly unlock the "Hubei Rapeseed Oil" food menu. The creative combination of grain, oil and food attracted the attention and praise of consumers.

Product display of "Hubei rapeseed oil"

In order to create a strong cultural atmosphere of grain, oil and food, during the same period of the event, there were a product exhibition area of "Hubei Rapeseed Oil", a punch-in point for the unified brand packaging and display of "Jianghan Rice" and "Jingchu Grain and Oil", a publicity and modeling area and a food identification area for Chu cuisine and Chu food. The public brands of Hubei Rapeseed Oil, Jianghan Rice and Jingchu Cereals and Oils displayed their own brands on the spot through unified packaging and style, which attracted a large number of Chu chefs and consumers to stop and negotiate.

In the food production tasting area, dozens of Chu cuisine dishes, such as Wuchang fish roasted with rapeseed oil, glutinous rice pearl balls, Jianghan rice cherry cake, Wuhan Regan Noodles, Zhenghe glutinous rice paste rice wine, etc., are refined with Chu grain and Chu oil as ingredients, with rich color and pure taste, which have been highly praised by the guests and American food connoisseurs.

In recent years, the provincial party committee and government have attached great importance to the development of agricultural industry and the brand building of grain and oil. The grain and agricultural departments have made a series of implementation measures around the brand building objectives, key directions and implementation paths, and the brand influence and social reputation of grain and oil in Hubei Province have been greatly improved. In 2023, the first evaluation value of "Jingchu Grain and Oil" provincial public brand was as high as 60.89 billion yuan, ranking second in the country among grain and oil brands, being selected into the China Grain and Oil List, and winning many influential public brands of China Grain and Oil; The brand value of "Hubei Rapeseed Oil" reached 9.07 billion yuan, and it has successively won many honorary titles such as the most influential brand of grain and oil in China and the top ten regional leading brands of grain and oil in China. The brand building of "Jianghan Rice" has been continuously strengthened, and the market premium effect has been continuously expanded.

In the next step, the Provincial Grain Bureau and other relevant departments will continue to deepen the brand building of grain and oil, explore brand building models around brand culture, product quality improvement and market channels, continue to integrate Chu cuisine and cultural tourism activities, and innovate the promotion and publicity forms of grain and oil brands. At the same time, focus on the 6th China Grain Fair held by Juli on October 18th, seize the favorable opportunity, give full play to the location advantages of granaries in Central China, strengthen the docking between enterprises and businesses, enhance exchanges and cooperation, highlight the advantages of Hubei and polish the brand background. Actively build a trading service platform for merchants and consumers all over the country, provide high-quality, healthy and green Hubei grain and oil, and let provincial grain and oil public brands such as Jianghan Rice, Hubei Rapeseed Oil and Jingchu Grain and Oil continuously flood into the national market and embark on the happy table of ordinary people’s homes. (Photo/Text Zhang Ling, Lin Rui)