Article source: Teacher Jiang’s skin care ingredients room WeChat WeChat official account

　　Original title: Is Esther Yu scolded like this in South Korea? Hanwang: Can this ordinary girl be popular?

　　Author: Xia Dada

　　Good afternoon, students ~

　　Have you seen Esther Yu and Vin’s new play A Little Forest for Two recently? Many netizens said that they would be sweetened by Esther Yu!

　　Professor Gao Leng × Fashion Little online celebrity’s setting is earthy and sweet, which seems to be easy to decompress, and the sugar content of the two people is particularly excessive when interacting!

　　I have to say, Esther Yu really killed the male killer, and this time the modeling in the play is also very eye-catching.

　　Plus just finished freesia tactic, Esther Yu recently but harvested a lot of affection!

　　But later, as soon as I went online, I found that many netizens spit out Esther Yu’s "ordinary girl", her voice was ugly, and she was not suitable for being a big woman.

　　But one thing, I personally like Esther Yu’s lovely looks next door. She looks comfortable and has no sense of distance, just like a little sweetheart ~

　　So what if the appearance is not exquisite enough? It doesn’t hinder becoming a male god harvester at all!

　　Speaking of which, in fact, Seven is also like this, and its appearance is not outstanding, but Haoran Liu, Song Weilong and Allen who have worked together … no matter how old they are, they have a sense of cp in the same box!

　　Andy, too, from Li Xian to Cheng Yi, which one was not knocked on by everyone?

　　The question is, their face value is not very top-notch in the entertainment circle, but why can they hold the bg banner steady?

　　In fact, if you look closely, you will find that their looks have something in common, which is a very popular "pig looks" in the past two years.

　　At first glance, the "pig line" doesn’t look good, but in fact, as long as you find the right way to become beautiful, it can still be exquisite and beautiful!

　　Speaking of which, I thought that I wrote an issue of "Animal Department Appearance" to you last year, and many students said that they wanted to see the second issue, so let’s arrange "Animal Department Appearance 2.0" today!

　　You can take a look at the following content and see which one is more consistent with your appearance, so that you can overtake in the corner and become beautiful ~

　　First of all, let’s talk about the appearance of the pig line mentioned at the beginning. The facial bones of this appearance are not strong, and the face lines are very round.

　　Moreover, the appearance of the pig is generally short in the lower half of the face, with a low eye position and a full sense of youthfulness (who can see that Seven is already 30+? )

　　On the front, the nose is fleshy, and some of them are slightly turned out, just like the pig’s nose.

　　None of the above hardware seems to be superior? But in fact, with the overall appearance characteristics, it is the standard sweet girl face!

　　However, under these hardware, we have to find the right idea of beauty, in order to turn the seemingly earthy characteristics into exquisite and attractive ones ~

　　Because the pig line looks dull, if you want to strengthen the exquisiteness, you can create some [acute angles].

　　In the five senses, if there are some sharp and angular details, such as sharp corners of the eyes, corners of the mouth and chin, it can give people a delicate sense of detail.

　　Full face operation is not easy for makeup white, so I suggest you start with eyeliner, because eyeliner painting is really the most obvious place. Today I will teach you a very simple method:

　　▶1.用手指轻轻扯住眼尾，让眼线能更好的操作👇🏻

　　▶2.用眼线胶笔在眼尾轻轻拖出来，不用太长，就是个很粗糙的线👇🏻

　　▶3.再拿一把扁平的斜向刷，把线条拉出来👇🏻

　　▶4.想看起来更自然的话，可以用扁头刷沾取深色眼影，在眼线上方慢慢往前晕染👇🏻

　　脸平的猪系长相，可以靠加深山根的阴影来缩短眉间距，来打造明艳感。

　　①先找到眉峰，然后顺着肌肉走向画出眉尾。

　　②用棕色的染眉膏轻刷眉毛，注意：不要下太重手碰到眉毛底部的皮肤，不然会蹭出蜡笔小新眉！

　　主要轻轻带过眉毛让颜色更柔和即可，因为粗眉实在不适合深色，会显得愣👌

　　之后就是通过“C字形”的阴影去缩短眉间距，记得这个“C”的弧度尽量大一些，让山根的存在感更强。

　　④鼻子的侧影稍微带过就好，鼻头这里打一个圈，让鼻尖显得更翘，还能让五官显得更加集中～

　　猪系长相的眼妆，在眼影方面不是很重要，太浓的眼影显得很没有精神。

　　比起眼影，灵动的睫毛才是增加精致灵动的关键，看我扒到了虞书欣眼睫毛教程！

　　Her method is to match a fishtail hair with a fairy hair, using these three models of Anji Cat:

　　Stick a row of 12mm fishtails first, so we don’t have to stick them so closely, leaving a little space for fairy hair.

　　‍

　　After that, stick fairy hair in the gap, about 4 hairs are enough, which can naturally deepen the three-dimensional sense and naturally enlarge your eyes.

　　Finally, add lower eyelashes, and you can get360-degree three-dimensional big eyes without dead ends with 4 eyelashes ~

　　The appearance of the deer is also very hot in the past two years, and it is as smart and playful as the deer.

　　The most obvious feature of this appearance is that it has big clear eyes as round as a deer, and the lying silkworm is also obvious.

　　Deer girls’ faces have a stronger sense of outline, and their faces are thinner and longer, mostly oval faces, and their facial lines are also very smooth.

　　Because the deer is full of wild breath, if it is placed on the appearance of the deer, it is thick hair. Thick, black wild eyebrows have a lot of hair.

　　It’s like an elf coming out of the forest, smelling the grass in the forest ~

　　These natural advantages in hardware determine that the appearance of deer is not suitable for over-modification, and maintaining natural beauty is the right solution.

　　So, try to avoid heavy makeup and smoky makeup that cover the original fresh aura of deer.

　　We must give full play to the advantages of the deer’s appearance, and the center of gravity of the whole face is on the eyebrows with strong presence.

　　Deer’s eyes are round at first. Compared with fox’s eyes, they emphasize height rather than length. So we can increase the height of our eyes and make them more round by lying silkworm.

　　When drawing a lying silkworm, sink the center and fold the sides.

　　This will visually increase the height of the eyes and make them look round.

　　Lip color can be weakened, and using milk tea color and milk apricot lipstick to create a clear and wild feeling is much more natural than big red lips.

　　Because deer looks have their own forest temperament, a strong sense of hair is the key to creating a sense of atmosphere.

　　Compared with short hair, deer looks more suitable for long hair, and it is better to have black hair with a little curl.

　　Even if it is dyed, try to choose dark hair. Like dark brown, dark brown and dark coffee are all good colors, which can improve temperament.

　　Students with straight hair can use an air cushion comb before going out, and their hair will look much better.

　　Of course, curly hair is ok, but the curl doesn’t have to be at the same height, which will make you look carefully dressed.

　　The most natural thing is lazy curls. Here is a method that a disabled party must learn: tie your hair into three braids, on the left and right sides and above.

　　Roll the splint outward and inward, then loosen the curling iron, slide to the bottom and roll it all up. The latter two are the same.

　　If you want to say the cutest and most tender appearance, it must be the rabbit tie face of off the charts who kills men!

　　Rabbit is a classmate with looks, and his skin is as white and tender as a rabbit.

　　This appearance, facial features are small, round almond eyes are not very big, but very bright and smart ~

　　Their lower court is short, and what they generally have is a short chin+a small cherry mouth, as well as cheek meat with a slightly bulging jaw, which is exactly the same as that of a rabbit.

　　To say the most distinctive place, it should be a slight convex mouth. When you don’t laugh, two rabbit teeth are looming, and when you smile, it is very soft and cute ~

　　For students who have a slight convex mouth and are troubled by inner double and fleshy face, it is very suitable to master the idea of becoming beautiful in rabbit beauty.

　　At first glance, the appearance of rabbits will have a low stereoscopic degree and a lot of white space on their faces, but it is not suitable for fleshy faces if they are over-repaired.

　　Therefore, we can focus on creating a lying silkworm and a full risorius to neutralize the blank feeling of the face.

　　Lying silkworm mentioned above, so let’s focus on how risorius stands out.

　　When it comes to rabbits, everyone’s impression is pink and tender, and the overall tone of the rabbit makeup is mainly pink and orange.

　　To highlight risorius, use a high-gloss blush. Brightness is generally light-colored milk powder and purple. Low lightness is generally close to skin color, such as apricot orange, cinnamon, orange brown. ….

　　If you can’t tell the difference, you can adjust the photo to black and white mode, and the low brightness is obviously more gray.

　　High-brightness blush is swept horizontally in the face, so pay attention to the range.

　　You can also try to dip in the warm brown tone to repair the capacity, draw a horizontal line from the base of the nose to the cheek, and then smudge it.

　　You can also try dipping it so that risorius can lift it visually, and the whole person looks even younger.

　　You can also try today’s animal face 2.0 dry goods. Have you found out which type you are?

　 　　　◎ Intern reporter Zhou Sitong

　　A few days ago, Vestazine Company of the United States published in the official website that the drug PH94B developed by the company for "social phobia" reached the standard in the third phase of clinical trials. The researchers of the company said that they had tailored the treatment plan for some patients based on PH94B, and observed the overall reduction and improvement of patients’ social anxiety symptoms. The release of this news has aroused widespread concern of "social terrorists" everywhere.

　　At present, "social fear" has become a popular word. Many young people label themselves as "social phobia" to express their discomfort in social situations. So, is "social fear" really a disease? Do you need medication? With these questions, the reporter of Science and Technology Daily interviewed relevant experts.

　　Some pathological "social phobia" is also influenced by genetic factors.

　　"Many times, what people call ‘ Social fear ’ It is not necessarily a real disease, but more of a psychological state. " Meng Fanqiang, deputy chief physician of Beijing Anding Hospital affiliated to Capital Medical University, said that, for example, it is common to feel nervous in certain scenes, and it is not a pathological "social phobia". The dividing line between "normal" and "disease" lies in the severity of symptoms and the influence of symptoms on life, work and study.

　　When a person’s social anxiety symptoms make it impossible for him to carry out social activities normally, such as avoiding social places a lot, making him nervous at the thought of social scenes, and even fearing to meet others, etc., and similar symptoms last for more than 6 months, there may be pathological "social phobia".

　　Social phobia in medical sense, also known as social anxiety disorder, is a mental disease. Its main feature is persistent fear of social situations or behaviors that may induce social interaction. Once faced with this situation, patients will have anxious physiological reactions. Although many patients are aware of this situation, because this physiological reaction is not controlled by patients, many patients will still try their best to avoid relevant social occasions, and some patients will even completely isolate themselves from society.

　　Meng Fanqiang introduced that there are generally two causes of social anxiety disorder: the first is biological genetic factors, and more than 30% of patients with social anxiety disorder are affected by genetic factors; The second is the social and psychological factors, such as the bad growth environment in adolescence and repeated failures in social situations, which will distort people’s cognition of social behavior and thus produce persistent negative thinking.

　　There are these reference standards for judging social anxiety disorder.

　　Although the word "social phobia" has been widely known, in real life, people often can’t accurately judge their social psychological status, and often overestimate or underestimate their mental health. So, as an ordinary person, how can we judge whether we have social anxiety disorder?

　　To solve this problem, lei fu, a national second-level psychological counselor and expert in mental health service for Qingdao Federation of Trade Unions, gave three criteria: whether the mood is too tense, whether there is abnormal behavior and whether there is obvious social function damage. Patients with social anxiety disorder are afraid of socializing for a long time, lasting for more than half a year; In the social environment, it is easy to be overly anxious and worried, and there will be symptoms such as trembling, stuttering, sweating, frequent urination and diarrhea; Try to avoid most social occasions, which obviously affects normal life and leads to the inability to complete study or work tasks. When these three kinds of obvious symptoms appear, it means that people may suffer from social anxiety disorder and need the help of professional doctors.

　　"Because patients with social anxiety disorder lack normal interpersonal communication and the social network is weak, it is very difficult to fight the disease on their own. Therefore, after a preliminary assessment of their own state, patients need to go to the psychiatric department to ask a doctor for diagnosis. After the diagnosis of the disease, targeted treatment will be launched. " Lei fu said.

　　Meng Fanqiang introduced that when the patient’s condition is serious, medication will be used clinically. Under the guidance of professional doctors, patients with severe social anxiety disorder can choose to take some anti-anxiety drugs. For patients with more serious symptoms and often in a state of anxiety, some anti-anxiety drugs that can be taken continuously will be used clinically. For patients with mild symptoms, you can take some short-acting drugs half an hour or an hour before starting social behavior to relieve anxiety.

　　Rely on psychotherapy to get rid of social fear

　　Although drug therapy can produce results quickly and obviously, it can not be ignored that improper use of drugs may produce side effects or dependence, which will cause further damage to patients. Therefore, for most patients with social anxiety disorder, besides drug therapy, psychological therapy is more considered in clinic.

　　Lei fu told reporters that there are many psychotherapy methods for patients with social anxiety disorder, such as meditation and desensitization training, and the most mainstream method is cognitive behavioral therapy. Lei fu said that the biggest feature of patients with social anxiety disorder is excessive and unreasonable fear of social situations. Therefore, the focus of treatment is to eliminate this excessive and unreasonable fear.

　　"For example, because a patient made a mistake in a social situation, he felt in trouble and thought that others would definitely have a negative evaluation of himself. Then in psychological intervention, we let him look for a ‘ Exception ’ For example, has he ever heard or seen someone else have a similar situation, but this person did not get a serious negative evaluation in the end. " Lei fu said that in general, patients will find that this situation is common in daily life. Under this guidance, patients will know that there are exceptions to everything, and their own unreasonable cognition will be gradually deconstructed. Once this cognition is deconstructed, the degree of catastrophic feeling produced by patients will be reduced.

　　Zheng Shiyan, the former consultant of the Psychological Counseling Center of East China Normal University and the consultant of Hefei Shanyuan Psychological Counseling Center, said: "For social anxiety disorder, we naturally have to pay attention to it. But how to face and solve this problem still lies in the cognition of the parties and society about this psychological state. " He said that there are many factors that may lead to social anxiety disorder in today’s society, such as not being fully loved and not being fully accepted in childhood, which will make people feel that they are flawed and unworthy of being loved, and thus fear being criticized and denied. Therefore, in addition to turning to professionals, what patients with social anxiety disorder need to do is to take courage and be brave.

　　interlinkage

　　Online social interaction can’t replace real social interaction.

　　Nowadays, more and more young people prefer to socialize online through online social media or online communities, and even many offline "social fear" young people have become very active online, with obvious contrast. So, can cyberspace really make people get rid of "social fear"?

　　In this regard, Professor Yuan Hongmei, director of the Mental Health Education Research Center of the Student Affairs Department of Central South University of Forestry and Technology, once pointed out that online socialization is an extension and supplement of real socialization and cannot completely replace real socialization. Deliberately avoiding real social interaction is not conducive to physical and mental health.

　　If you want to overcome "social fear", you should also communicate and interact with others in reality. People who are "socially fearful" can invite more friends to go to the movies, take part in outings, or just get together with others to chat, try to enjoy real life and feel the pleasure brought by real social interaction. Giving yourself positive psychological hints and bravely taking the first step are the key to getting rid of "social fear".

    Xinhua News Agency, Moscow, June 5 (Reporter Zhao Bing) On the 5th, the Russian Federal Security Service announced that a railway track in Voronezh, Russia was damaged by an explosive device.

    According to the report, when a train passed through Voronezh, an explosive device exploded, causing damage to the tracks. Due to the emergency braking measures taken by the train crew, the tragedy was avoided.

    The circular also said that all the circumstances of the incident have been investigated. The investigation department has good reason to file a criminal case on suspicion of "terrorism"

　　Deepening reform in an all-round way is the fundamental driving force for promoting Chinese modernization.

　　On July 30th, General Secretary of the Supreme Leader presided over the the Political Bureau of the Communist Party of China (CPC) Central Committee meeting to analyze and study the current economic situation and work. The meeting stressed: "We should take reform as the driving force to promote steady growth, adjust the structure and prevent risks, give full play to the traction role of economic system reform, and launch a number of mature and sensible reform measures in time."

　　"this year is another important year for comprehensively deepening reform." In the face of arduous and complicated reform tasks, the General Secretary of the Supreme Leader personally planned, personally deployed and personally promoted the comprehensive deepening of reform work, guided new practices and led new changes with new reform theories, made efforts to enhance the systematicness, integrity and synergy of reform, and made great efforts to make major institutional innovations. The reforms in key areas were carried out at a steady pace, stimulating the endogenous motivation and innovation vitality of the whole society, and providing strong support for the overall stable and steady progress of the national economy.

　　The Third Plenary Session of the 20th Central Committee of the Communist Party of China built "four beams and eight pillars" to further comprehensively deepen reform and promote Chinese-style modernization, drew a magnificent, clear and concrete blueprint for reform, and released a strong signal of unswervingly holding high the banner of reform and opening up.

　　"Reform must be re-planned, and it must be re-implemented." Under the strong leadership of the CPC Central Committee with the Supreme Leader as the core, all localities and departments have further deepened reforms in an all-round way around promoting Chinese modernization, intensified macro-control, deepened innovation-driven development, deeply tapped the potential of domestic demand, constantly enhanced new kinetic energy and advantages, enhanced the vitality of business entities, stabilized market expectations, enhanced social confidence, enhanced sustained economic recovery, effectively guaranteed and improved people’s livelihood, maintained social stability, and unswervingly completed the objectives and tasks of economic and social development throughout the year.

　　Increase the momentum through reform, persist in striving for progress while maintaining stability, focus on steady growth, and lay a solid foundation for economic development throughout the year.

　　Reform is the driving force of development, and development is the purpose of reform.

　　General Secretary of the Supreme Leader pointed out: "To further deepen the reform in an all-round way, we should highlight the problem orientation, focus on solving the problems of blocking points that restrict the construction of a new development pattern and promote high-quality development, the pain points and difficulties in the development environment and people’s livelihood, and the hot issues that are contrary to social fairness and justice, effectively prevent and resolve major risks, and constantly add momentum and vitality to economic and social development."

　　Since the beginning of this year, in the face of the complicated and changeable domestic and international situation, all localities and departments have paid attention to the breakthrough and leading role of reform, actively introduced reform measures conducive to stabilizing growth, adjusting structure and preventing risks, and relied on reform to add momentum to development. China’s economy has continued to rebound to a good trend, and high-quality development has taken new steps.

　　— — Expand profitable investment and give play to the traction role of reform.

　　Machines in the CNC machining center roar, the intelligent production line runs at high speed, the mechanical arm moves up and down, left and right flexibly, and rows of hydraulic components flow off the production line in an orderly way … … After introducing three automatic production lines and updating 900 sets of high-end equipment such as CNC lathes, the production efficiency of Zhongwei Zhuote Hydraulic Technology Co., Ltd., located in Linxi County, Xingtai City, Hebei Province, has increased by 50%.

　　In the first half of this year, the tax department of Xingtai City implemented the structural tax reduction and fee reduction policy in detail, so that Zhongwei Zhuote enjoyed the deduction of R&D expenses, the reduction of corporate income tax for high-tech enterprises, plus the deduction of value-added tax and export tax rebate. The tax reduction amount on the tax list is very considerable.

　　The more investment, the more tax reduction, the positive pace of transformation and upgrading has been "rewarded" by the tax reform, and enterprises have increased their horsepower. "The tax incentives in the first half of the year were all invested in the research and development of the bent shaft hydraulic pump that is urgently needed in the current market, and an additional 20 million yuan was invested in new equipment to achieve full coverage of high-end CNC equipment this year." Han Shujuan, head of the company, said.

　　A list of taxes and fees, recording the strength of reform.

　　Comprehensively deepening reforms requires precise efforts. The reform of value-added tax has continued to deepen, the tax refund system has been continuously improved, and the structural tax reduction and fee reduction policy that focuses on supporting scientific and technological innovation and manufacturing development has been accelerated … … The burden reduction policy allows more enterprises to go into battle lightly. In April this year, the "Guidelines on Major Tax and Fee Preferential Policies for Supporting the Development of Manufacturing Industry in China" was issued, which provided a clear list for manufacturing business entities and helped them to better enjoy preferential tax and fee policies.

　　Deepen reform in an all-round way and pay attention to system integration. China pays great attention to "hard investment" and "soft construction" as a whole, and combines project construction with supporting reforms. It not only compiles perfect plans, strengthens project management, creates a number of landmark projects, but also optimizes system supply, and breaks deep-seated obstacles with reform methods and innovative measures.

　　The deeper the reform, the more attention should be paid to coordination. Focusing on stabilizing expectations, growth and employment, China has strengthened the countercyclical and cross-cyclical adjustment of macro policies, strengthened the coordination of fiscal, monetary, employment, industrial, regional, scientific and technological, environmental protection and other policies, incorporated non-economic policies into the consistency assessment of macro policy orientation, strengthened policy coordination, ensured concerted efforts and formed synergies, fully mobilized the enthusiasm of business entities, stimulated the endogenous motivation of economic development, and formed synergies to jointly promote high-quality development. In the first half of the year, investment in fixed assets increased by 3.9% year-on-year, of which investment in manufacturing increased by 9.5%, which promoted steady growth of investment, structural optimization and improvement of quality and efficiency, laying a solid foundation for steady growth.

　　— — Stimulate potential consumption and make good use of the key variable of reform.

　　Open and log in to the mobile phone application of Zheli Office, enter the item of "Registration of Self-employed Workers (Flexible Employees)", and click "Online Processing" … … In just 3 minutes, Ms. Wang, a domestic hourly worker working in Dongyang City, Zhejiang Province, completed the insurance procedures for flexible employees.

　　A social security bill, recording the temperature of reform.

　　Consumption is the "main engine" that drives economic growth. The reform of the social security system has firmly grasped the bottom line of people’s livelihood, making residents more daring to spend and willing to spend. The income distribution system has been further improved, and social security systems for flexible employees, migrant workers and new employment forms have been continuously improved in various localities, and the adjustment mechanism for income redistribution has been strengthened. At the same time, the business environment is constantly optimized to stabilize employment and income by promoting the development of small and medium-sized enterprises and individual and private economies & HELIP; … A series of reform measures have promoted "lowering" and "expanding". In the first half of the year, the per capita disposable income of the national residents actually increased by 5.3%, which was basically in sync with the growth of GDP, and the per capita consumption expenditure actually increased by 6.7%.

　　Residents’ income grew steadily and their consumption level continued to improve. In the first half of the year, final consumption expenditure boosted GDP growth by 3.0 percentage points. The long-term mechanism for expanding consumption has been gradually improved, and the basic role of consumption in economic development has been further enhanced.

　　Expand consumption to do "addition" and limit consumption to do "subtraction". "No new automobile purchase restriction measures shall be added in all regions, and the automobile purchase restriction measures shall be optimized according to local conditions in the regions where the purchase restriction has been implemented" and "Allow relevant cities to cancel or reduce the housing purchase restriction policy" … … Restrictive measures have been continuously reduced, which has "loosened" residents’ consumption.

　　— — Accelerate the cultivation of new kinetic energy of foreign trade and release the development dividend of reform.

　　A remanufactured engine, the cost of which is only 60% of that of the new engine, was successfully cleared and transported to Volvo Construction Equipment (China) Co., Ltd. in Pudong New Area, saving 40% of the cost for the enterprise — — China’s first import of remanufactured products landed in Shanghai. Breaking the import restrictions on used and second-hand mobile phones, at present, some pilot free trade zones have relaxed the import of 62 kinds of remanufactured products such as automobile engines, boosting the new trend of green trade.

　　A customs declaration, recording the depth of reform.

　　Reform should be deepened, and opening up needs to be deepened and broadened. With the relaxation of the import of remanufactured products and a series of new achievements, the first batch of pilot measures for connecting the Pilot Free Trade Zone with international high-standard rules have been fully implemented, which has led to a steady increase in the quality of foreign trade. In the first half of the year, the total import and export value of goods trade increased by 6.1% year-on-year, a record high in the same period of history.

　　Market access reform enhances the "magnetic attraction" to foreign investment. The negative list of service trade "goes" to the whole country, completely cancels the restrictions on foreign investment access in the manufacturing sector, and promotes the orderly expansion and opening up of telecommunications, Internet, medical care and other fields … … Market access was further relaxed, allowing more foreign companies to share the dividends of China’s reform and opening up. In the first half of the year, the number of newly established foreign-funded enterprises was nearly 27,000.

　　Since the beginning of this year, "taking system construction as the main line", various reforms have strengthened coordination, the construction of a high-standard market system has been steadily advanced, the system and mechanism for market-oriented allocation of factors have been improved, the formation of a unified national market has been accelerated, all kinds of ownership economies have participated in market competition more fairly, and market vitality has flowed fully, laying a solid foundation for achieving the expected goals of economic development throughout the year.

　　Deepen reform in an all-round way, with a clear direction and a clear road. "It is necessary to continue to work hard in an all-round way to make the reform measures comprehensively cover the outstanding problems that need to be solved to promote Chinese modernization; We must continue to use real strength in deepening, highlight the focus of the economic system, and strive to break down deep-seated institutional and institutional obstacles and structural contradictions. "

　　The Ministry of Finance will speed up the improvement of the budget system and the tax system, and use precious financial funds in the critical areas of development; The Ministry of Human Resources and Social Security will improve the labor rights protection system that adapts to flexible employment and new employment forms, and create a fair employment environment; The Ministry of Commerce will improve the high-level opening-up system and mechanism, enlarge the open cake and lengthen the list of cooperation … … In the second half of the year, relying on reform and opening up to enhance the endogenous driving force for development, all localities and departments have made a good list of tasks and launched a number of reform measures that are mature and sensible, giving birth to strong momentum for unswervingly fulfilling the goals and tasks of economic and social development throughout the year.

　　Add vitality through reform, persist in promoting stability through progress, vigorously optimize the structure, and shape new development momentum and new advantages.

　　The reform trend is strong, and the tide of innovation is even stronger.

　　General Secretary of the Supreme Leader stressed: "To develop new quality productive forces, we must further deepen reform in an all-round way and form a new type of production relationship that is compatible with it. It is necessary to deepen the reform of the economic system and the scientific and technological system, focus on opening up the blocking points that constrain the development of new quality productive forces, establish a high-standard market system, and innovate the allocation of production factors so that all kinds of advanced and high-quality production factors can flow smoothly to the development of new quality productive forces. "

　　The "Decision" of the Third Plenary Session of the Twentieth CPC Central Committee put forward: "Improve the system and mechanism of developing new quality productive forces according to local conditions."

　　Since the beginning of this year, all localities and departments have anchored to "develop new quality productivity according to local conditions", accelerated the transformation mode, adjusted the structure, improved quality and increased efficiency, continued to deepen the structural reform on the supply side, accelerated the construction of new production relations that are compatible with new quality productivity, constantly opened up new fields and new tracks for development, constantly shaped and developed new kinetic energy and new advantages, and promoted Chinese modernization with high-quality development.

　　— — Strengthen the supply of new fields and new track systems, and enhance the innovation power through economic system reform.

　　In Xilihu International Science and Education City, Nanshan District, Shenzhen City, Guangdong Province, the laboratory and production line are very close. Nanshan District has set up a proof-of-concept platform here to help technicians cross the laboratory to the "first mile" of marketization.

　　"Proof of concept helps us to transform scientific research results in a small scale first, and improve the success rate of subsequent substantive transformation. The platform provides accurate assistance around the whole chain of proof of concept, pilot-scale ripening and achievement transformation, not only for seed funds, but also for docking resources." Cai Chao, founder of Nanke Hegu Technology (Shenzhen) Co., Ltd. said that the platform helped the company to accelerate the industrialization of hydrogen production catalyst technology.

　　Focusing on "strengthening the dominant position of scientific and technological innovation of enterprises", all localities and departments have made great efforts to open up the blocking points that constrain enterprise innovation, innovate the allocation methods of production factors, and let all kinds of advanced and high-quality production factors flow smoothly to all kinds of business entities, so that the "tangible hand" of the government and the "invisible hand" of the market can jointly cultivate and drive new quality productivity.

　　The Science and Technology Department of Henan Province introduced measures to vigorously cultivate innovative leading enterprises and enhance industry consolidation’s ability; Fujian Province promotes the popularization and application of the first set of technical equipment; Around the three leading industries of integrated circuit, biomedicine and artificial intelligence, Shanghai has set up an industrial investment parent fund with a total scale of 100 billion yuan … … Reform promotes the deep integration of innovation chain’s industrial chain, capital chain and talent chain, and promotes scientific and technological innovation and industrial innovation to go hand in hand. In the first half of the year, the added value of China’s high-tech manufacturing industry above designated size increased by 8.7% year-on-year.

　　— — Transform the institutional advantage into the competitive advantage of science and technology, and the reform of science and technology system stimulates the vitality of innovation.

　　China’s first "ground space station" passed the acceptance test, with a total of seven C919 large passenger planes delivered, the Shenzhen-China channel officially opened for trial operation, and the Chang ‘e-6 realized the sampling return on the back of the moon, successfully building the first international 6G test network integrating communication and intelligence … … Since the beginning of this year, major scientific and technological achievements have emerged one after another, big countries have frequently "upgraded their weapons", and the level of self-reliance and self-improvement in science and technology has continued to improve, injecting new kinetic energy into accelerating the development of new quality productive forces. This is inseparable from the support of scientific and technological system reform.

　　Improve the new national system, strengthen the construction of national strategic scientific and technological forces, and optimize the positioning and layout; Establish a mechanism for the overall arrangement and use of central financial science and technology funds, "set tasks according to needs and set funds according to tasks", and strengthen the overall layout of science and technology resources; Empower scientific researchers with greater decision-making power of technical route, control of scientific research funds and resource scheduling, and stimulate scientific and technological personnel to innovate and create vitality … … From top-level design to specific measures, the reform of science and technology system has been deepened, removing fences and cultivating soil for scientific and technological innovation. As of June this year, the effective number of domestic invention patents in China reached 4.425 million.

　　— — Untie the rope that binds scientific and technological innovation, reform the talent mechanism and build a good innovation ecology.

　　The classroom is also a laboratory, which builds a bridge between outstanding students and technical talents.

　　This year, Song Junteng, an undergraduate from Shenzhen University of Technology, found his future research direction by participating in the research group of the Institute of Digital Studies, Shenzhen Institute of Advanced Technology, Chinese Academy of Sciences: "The school helps students enter the laboratory, and the integration of production and education, science and education, makes me clearly focus on data."

　　More and more colleges and universities cooperate with scientific research institutes to promote the reform of the system and mechanism of educational science and technology talents, so that talents, the first resource, can fully flow in and better transform China’s educational advantages and talent advantages into development advantages and competitive advantages. The trinity of education, science and technology and talents has promoted more outstanding young scientific and technological talents to take the lead. As of March this year, more than 1,100 national key R&D projects have been led by young scientists under the age of 40, which has reached more than 20% of the total.

　　The depth of reform is the time when innovation is surging.

　　The transformation of traditional industries has accelerated. In Hunan, through the comprehensive application of cutting-edge technologies such as intelligent scheduling, industrial AI, digital twinning and industrial Internet, an excavator can be produced every 6 minutes on average.

　　Emerging industries are booming. In Shanghai, drones have increased the efficiency of take-away distribution by 40%, and the low-altitude economy has "taken off" to empower all walks of life.

　　Accelerate the layout of industries in the future. In Anhui, the third-generation independent superconducting quantum computer "Benyuanwukong" was launched, and this computer has successfully completed 250,000 global quantum computing tasks.

　　… … … …

　　Traditional industries live because of "newness" and the economic structure advances because of "newness". Firmly grasping the "bull’s nose" of scientific and technological innovation, opening up a new development track with new quality productivity, enhancing new development momentum, shaping new development advantages, and striving to win the initiative in future development will provide a strong impetus for unswervingly completing the goals and tasks of economic and social development throughout the year.

　　Solve problems through reform, coordinate high-quality development and high-level safety, and prevent and resolve various risk challenges.

　　Security is the premise of development, and development is the guarantee of security.

　　General Secretary of the Supreme Leader profoundly pointed out: "Insist on overall planning development and security, insist on paying equal attention to development and security, and realize the benign interaction between high-quality development and high-level security."

　　The "Decision" of the Third Plenary Session of the 20th CPC Central Committee clearly stated: "Deal with the major relations such as economy and society, government and market, efficiency and fairness, vitality and order, development and security".

　　The summer grain has been harvested again, and the energy security guarantee ability and the toughness of the industrial chain supply chain have been improved, keeping the bottom line of not having systematic risks … … Since the beginning of this year, all localities and departments have further deepened reforms in an all-round way, and used more perfect systems to prevent and resolve risks and effectively meet challenges.

　　— — Secure the "two rice bowls" of grain and energy and build a solid foundation for risk prevention.

　　Food security is the biggest thing in the country.

　　On March 19th, during the spring ploughing season, General Secretary of the Supreme Leader came to Xiejiapu Town, Dingcheng District, Changde City, Hunan Province. Dai Hong, a big grain grower, said that the net income of farming last year was more than 550,000 yuan, and the government subsidized more than 70,000 yuan. The General Secretary of the Supreme Leader was very happy: "Grain farmers can’t suffer losses, and they have money to earn, so they have the enthusiasm to grow grain."

　　On June 11th, General Secretary of the Supreme Leader presided over the fifth meeting of the 20th Central Committee for Comprehensively Deepening Reform, which deliberated and adopted important documents to improve the income guarantee mechanism for grain farmers and the interest compensation mechanism for major grain producing areas.

　　Cultivated land is the lifeblood of food security. Since the beginning of this year, policies and financial guarantees have been continuously strengthened, and the mechanisms for construction, acceptance and management of high-standard farmland have been continuously improved. In the first quarter of this year, China completed the construction, transformation and upgrading of high-standard farmland area of about 10 million mu, laying a solid foundation for winning the annual grain harvest.

　　At the same time, through comprehensively deepening reforms, industrial "food" — — The energy "rice bowl" is also more secure. Since the beginning of this year, the construction of a unified national electricity market system has been accelerated, and more than 60% of the electricity consumption of the whole society has been market-oriented. The oil and gas market system has initially taken shape, and the medium and long-term coal contract system and market price formation mechanism have been continuously improved; The draft energy law has entered the deliberation process of the National People’s Congress, and the revision of the electricity law, coal law and renewable energy law is progressing in an orderly manner … … The dividend of energy reform has been continuously released, inspiring all kinds of business entities to work together to promote high-quality energy development.

　　— — Promote the safety of industrial chain supply chain and improve the level of risk response.

　　This year, the first prototype of a 300 MW F-class heavy-duty gas turbine independently developed by China rolled off the production line, which has played a significant role in promoting the progress of basic disciplines and industrial technology development of gas turbines in China.

　　Core technologies accelerate breakthroughs and help the industrial chain supply chain to be self-controllable. China has continuously improved the new national system, made overall plans to tackle key core technology problems, improved the development system and mechanism of key industrial chains, promoted technological research and application of achievements throughout the chain, and accelerated the development of key industrial chains such as integrated circuits and industrial mother machines.

　　Backbone enterprises are constantly emerging, and the supply chain of the traction industry chain is developing and growing. The Law on the Promotion of Small and Medium-sized Enterprises has been revised, the Regulations on the Protection of Payment for Small and Medium-sized Enterprises has been promulgated, the gradient training mechanism for high-quality enterprises has been accelerated, and the golden signboard of "specialization and novelty" has been further polished, making more high-quality enterprises stand out and become the leader in the high-quality development of industrial chain supply chain. By the end of June, China had cultivated more than 140,000 specialized and innovative SMEs.

　　— — Properly handle the risks of real estate and local debt, and enhance the ability to resolve risks.

　　Since the beginning of this year, policies have been made in the same direction, governance has been coordinated, and positive progress has been made in resolving risks in key areas.

　　The work of ensuring people’s livelihood and stability in Baojiaolou continued to advance. Strengthen the supervision of pre-sale funds and establish the coordination mechanism of urban real estate financing … … 297 cities at prefecture level and above have established the coordination mechanism of urban real estate financing, and commercial banks have approved the loan amount of "white list" projects of 1.3 trillion yuan.

　　Local debt risks have been further resolved. All localities have continuously improved the long-term mechanism of debt conversion. The People’s Bank of China has instructed financial institutions to rationally use debt restructuring and replacement in accordance with the principles of marketization and rule of law, and make classified measures to resolve the stock debt risks of financing platforms and strictly control incremental debts.

　　"Adhere to the concept of system", promote high-level safety with high-quality development, ensure high-quality development with high-level safety, and promote the dynamic balance and complement each other with reform; "Insist on problem orientation", face the risk problems in all fields directly, go ahead with the problems and focus on the problem reform, and enhance the pertinence and effectiveness of the reform … … Firmly grasp the objectives and principles of comprehensively deepening reform, make overall plans for high-quality development and high-level security, achieve new results by solving difficult problems through reform, and promote the stability and long-term development of China’s economic giant.

　　"With the accelerated implementation of the decision-making arrangements of the CPC Central Committee and the State Council, various policies have been effective, and the foundation for promoting sustained economic recovery will continue to be consolidated and laid solid. We have the conditions, ability, confidence and confidence to overcome the problems in development and the challenges in transformation, and complete the annual goals and tasks with high quality." Zhao Chenxi, deputy director of the National Development and Reform Commission, said.

　　Hit the water in the middle stream, and those who are eager to advance; When people get halfway up the mountain, only the brave win.

　　Guided by the Supreme Leader’s Socialism with Chinese characteristics Thought in the New Era, we should further unify our thoughts and actions with the CPC Central Committee’s judgment and decision-making on the economic situation, cherish a good start, continue to take advantage of the situation, firmly grasp the primary task of high-quality development, take comprehensive deepening reform as the fundamental driving force for promoting Chinese modernization, and persist in solving problems in development and coping with risks and challenges on the way forward through reform and opening up. We will make overall plans to promote deep-level reform and high-level opening-up, resolutely get rid of the ideological concepts and institutional mechanisms that hinder the promotion of Chinese modernization, promote the better adaptation of production relations and productivity, superstructure and economic foundation, state governance and social development, roll up our sleeves and work hard, and we will certainly be able to continuously consolidate and strengthen the economic recovery to a good trend and unswervingly accomplish the objectives and tasks of economic and social development throughout the year.

????????On the afternoon of June 25th, 2007, the 28th meeting of the 10th the National People’s Congress Standing Committee (NPCSC) reviewed the draft anti-monopoly law of the People’s Republic of China in groups, and the speeches were summarized as follows:

????????(A) on the monopoly agreement
????????Alex Chen (deputy to the National People’s Congress) said that it is proposed to amend Item 6 of Article 13: "Other monopoly agreements recognized by anti-monopoly law enforcement agencies" to "Other monopoly agreements that exclude or restrict competition". Because the original text excludes the due process of judicial review. It is suggested to add provisions on the application for exemption procedure after Chapter 2. Because there are no requirements for applying for exemption and application procedures in the draft, operators cannot judge the legality of their actions. We should let the law guide enterprises to declare independently, not just rely on government inspection, change the way of government control and save administrative costs.

????????Committee member Fang Xin said that Article 14 "prohibits business operators from reaching the following monopoly agreements with counterparties", including "fixing the lowest price for reselling goods to third parties". But in practice, this is a common practice for domestic and foreign enterprises. In order to maintain the brand image of the enterprise, the final market price will be limited in the sales contract, such as the market price of specialty stores and brand stores. Whether the current writing is too absolute, and whether the lowest price of goods sold by consignment or agency and the price limit between parent and subsidiary companies should be allowed can be reconsidered.

????????Member Nan Zhenzhong said that Article 15 (5) of the draft anti-monopoly law stipulates that "due to the economic downturn, in order to alleviate the serious decline in sales or the obvious surplus of production". "Economic depression" is very complicated, including global economic depression, national economic depression, regional economic depression, industrial economic depression and so on. It is suggested that the exact meaning and judgment standard of "economic recession" should be further clarified in order to make the exemption standard more clear.

????????(2) Abuse of dominant market position
????????Member Nan Zhenzhong said that Article 16 (2) of the draft anti-monopoly law stipulates that "goods are sold at a price lower than the cost without justifiable reasons;" It is suggested that "without justifiable reasons" be changed to "for the purpose of crowding out competitors". Because the standard without justifiable reasons is vague, and selling goods below the cost price to crowd out competition and then monopolize is a common means of abusing market dominance, this amendment makes this provision more targeted. Article 16 (5) of the draft anti-monopoly law stipulates that "tying goods or attaching other unreasonable trading conditions to transactions without justifiable reasons;" It is suggested that "without justifiable reasons" be changed to "against consumers’ wishes" and amended to "against consumers’ wishes, tying goods or attaching other unreasonable trading conditions to transactions;" Because the standard of no justifiable reason is vague, whether tying goods is legal should be judged by the wishes of consumers. The anti-monopoly law restricts the tying of goods against consumers’ wishes.

????????Ying Songnian (member of the Internal Affairs Judicial Committee of the National People’s Congress) said that Article 16, the legal responsibility for abusing market dominance lies in Article 46. If an operator abuses market dominance and excludes or restricts competition in violation of the provisions of this Law, it seems that the abuse of market dominance will bear legal responsibility only in the case of restriction and exclusion, but in fact, the abuse of market dominance mentioned in Article 16 is not just exclusion and restriction. I suggest that the legal liability of Article 46 should be further improved, and it should correspond to all kinds of situations mentioned in Chapter 3, Abuse of dominant market position, and have specific legal liabilities.

????????Committee member Fang Xin said that the first paragraph of Article 16 "sells goods at an unfairly high price or buys goods at an unfairly low price", and I think "unfair" is not very accurate. I suggest changing it to "sells goods at a significantly higher price than the market price or buys goods at a significantly lower price than the market price". The last few paragraphs all say "without justifiable reasons". I think if possible, it’s best to write clearly what we want to limit. For example, in paragraph 2, "without justifiable reasons" can be changed to "selling goods at a price below the cost for the purpose of excluding competitors". In paragraph 5, "without justifiable reasons" can be changed to "tying goods or attaching other unreasonable trading conditions when trading". Article 18, paragraphs 2 and 3 have two or three operators as a whole or three operators as a whole. I think "as a whole" is also a very vague concept. The key is to see if these two or three operators have a specific relationship. If there is a specific relationship, it should be restricted. If there is no specific relationship, how can it be regarded as a whole and it can be said that it has a dominant market position? It is suggested to stipulate whether there is a specific relationship.

????????Committee member Wang Weicheng said that regarding the abuse of market dominance in Article 16, it is suggested to add one item after the six items, namely, "the enterprise has acquired advanced technology, which is not used or not actually promoted", which also belongs to the abuse of market dominance. Enterprises have money, and this technology is beneficial to the country and the market, but it may be unfavorable to the main traditional business of the enterprise, which hinders technological progress.

????????Dai Songling (deputy to the National People’s Congress) said that the enterprises that abuse market dominance are mainly public enterprises, and the law should increase the punishment for these enterprises. For example, the water company forces users to buy their designated water supply equipment, and the gas company forces users to buy their designated gas stoves and water heaters. All kinds of information service fees imposed on users by communication departments when they buy mobile phones, such as caller ID, weather forecast, reading newspapers and so on. For these enterprises that abuse the dominant market position, we should increase the punishment, and at the same time give corresponding punishment to those responsible.??

????????Liu Qingfeng (deputy to the National People’s Congress) said that Article 16 of Chapter 3 talked about the abuse of market dominance, and I think it is very important to lead to the abuse of market dominance by market dominant operators. Article 5, tying goods without justifiable reasons, or attaching other unreasonable trading conditions, has something to do with what I mentioned above, but it is not exactly the same. Tying goods means selling another kind of goods that we already have, hoping to bundle them together, but when our industry faces transnational competition, some situations are more serious than this. I suggest adding "bundling other commodities or giving other commodities free of charge among commodities in a dominant market position without justifiable reasons, which seriously affects the market order of bundled commodities or giving other commodities free of charge". For example, if the operating system provided by Microsoft is to regard intelligent voice technology as an inseparable part of the operating system, this is malicious binding, rather than the general concept of goods. In addition, if it is not an integral part of the operating system, but it is given away for free when the operating system is sold, this is a hitchhiking. It will have a serious impact on the national voice industry. Therefore, it is suggested that this issue be further clarified, otherwise, the development of our national intelligent software will always face huge monopoly risks.

????????Alex Chen (deputy to the National People’s Congress) said: First, it is suggested that the second paragraph of Article 18 be amended as follows: "In the cases specified in the first, second and third paragraphs, if an operator has evidence to the contrary to prove that it does not have a dominant market position, it should not be presumed that the operator has a dominant market position." The reasons are as follows: First, in most cases, operators with the market share specified in Article 18 generally have a dominant position in the market, but in some cases, it is wrong to make the above presumption, such as when the barriers to entry in the relevant market are low, or when the entry into the relevant market is short, or when the superior resources of the above operators are almost exhausted, or when the patent right is about to expire, and so on. Second, in this clause, the burden of proof is assigned to the operator, and the law enforcement agencies can save law enforcement resources according to this presumption, and also give the operator a chance to refute it to ensure that the presumption is fair and accurate. Two, it is suggested that the second paragraph of article sixteenth be amended as "operators shall not sell goods at a price lower than the operating cost for the purpose of excluding competitors". The reasons are as follows: First, the amendment is copied from Article 11 of the Anti-Unfair Competition Law, which will make the "two laws" consistent in regulating predatory pricing. Second, as far as predatory pricing is concerned, there is a dispute between "purpose" and "effect" in the practice and theory of anti-monopoly law. The United States uses the "effect" standard to determine whether it constitutes predatory pricing, that is, whether the operators with dominant market position can implement predatory pricing,And take the competitors out of the market and recover the losses suffered by predatory pricing or earn non-competitive profits as the standard. If the "cost" can be recovered, it will constitute predatory pricing. Australia, on the other hand, adopts the "purpose" standard, that is, as long as the operators with dominant market position abuse their dominant position and compete with competitors at a price lower than the cost price for the purpose of excluding competitors, it constitutes predatory pricing, regardless of whether the predators can recover the "cost" afterwards. Comparing the "purpose" and "effect" standards, the "purpose" standard is more effective in combating predatory pricing, more operable and more in line with the purpose of competition law. However, the "effect" standard will affect the enthusiasm of operators for competition, and it is difficult to distinguish between what is beneficial to competition and what is anti-competitive, because the effect of competition will hurt one side of competition. Moreover, before the predatory price war has an "effect", the plundered will not be able to stop the predatory behavior of the marauders, because it has not yet had an effect. If you can, you can only assume that the predator can recover the "cost" after excluding the prey. This assumption is obviously not conducive to competitive behavior. The "purpose" standard can make up for the defects of the "effect" standard in this respect. First of all, the "purpose" standard can prevent operators with dominant market position from abusing their dominant position. Secondly, the element of "market dominance" in predatory pricing can also play the role of "effect" standard, because only operators with market dominance can recover costs or obtain excess profits after the predatory price war.Therefore, we suggest making the above amendments to this clause. Third, it is suggested to delete the "financial resources" of the operator in Item 3 of Article 17, because such a provision may make the enterprise conceal its financial situation, and this is not a necessary condition for measuring monopoly ability.

????????(3) Concentration of business operators
????????Commissioner Li Lianning said that Chapter 4 deals with the substantive norms of concentration of business operators. Concentration of business operators is an important field of anti-monopoly. If a certain field is too concentrated, it is not conducive to competition. But at present, the expression of this chapter is basically a procedural norm. According to the truth, the procedural specification is based on the entity specification, to implement the entity specification concretely. In other words, we should first stipulate the entity norms for the concentration of operators, and then stipulate how to declare and review. According to the current regulations, such as Article 20, if the concentration of business operators meets the declaration standards set by the State Council, the business operators shall report to the anti-monopoly law enforcement agency in the State Council in advance, and the concentration of those who fail to report shall not be implemented. This is a procedural expression. According to the truth, the concentration of business operators should first be in accordance with the substantive provisions of the state, and under this standard, the business operators should implement the examination system of concentration of business operators, and then how to declare. In addition, from the standard point of view, only the issue of share is stipulated now, but the concentrated share and assets owned by operators vary greatly in different industries and fields. It is actually difficult to give consideration to different industries by using a unified share. Therefore, it is suggested that the State Council should distinguish between different industries and fields, so as to formulate the declaration standards for concentration of operators separately, instead of the unified standards stipulated in Article 21. The substantive norms, examination standards and conditions of concentration of business operators should be stipulated in different fields and industries. Of course, a principle requirement can be made, and the authorization should be specified by the State Council.

????????Member Guo Shuyan said that Article 21 mentioned that an operator may not report to the anti-monopoly law enforcement agency of the State Council in any of the following situations, and pointed out two situations. First, one operator owns more than 50% of the voting shares or assets of each other operator. Second, more than 50% of the voting shares of each operator who participated in the concentration are owned by the same operator who did not participate in the concentration. I don’t understand why this concentration does not need to be reported to the anti-monopoly agency in the State Council. However, it has been clearly pointed out in the article 19 on what is the concentration of operators that operators obtain the control rights of other operators by acquiring equity or assets. Since the situation pointed out in Article 21 is "concentration" as defined in Article 19, why not declare it to the State Council? If Article 21 is established, will all enterprises take the way of obtaining controlling rights when they are engaged in "concentration" in the future, so there is no need to declare to the State Council. Article 21 seems to open a back door for "concentration". Therefore, recommendation 21 needs to be considered again.

????????Member Wang Songda asked whether the third item of Article 26 "the influence of concentration of operators on market entry and technological progress" and the first item of Article 15 "for improving technology and researching and developing new products", such as these places, could the technological progress be fully described? Natural monopoly is not uncommon in daily life, and we have many experiences and feelings. For example, the media often disclose that some telecom industries are constantly juggling, such as packages, but there are not many benefits for consumers. This kind of magic trick of natural monopoly can’t reduce the cost and improve the economic benefit. When summarizing the achievements of Hong Kong in the past 10 years after its return to China, the news media cited an example, saying that when Hong Kong’s telecommunications industry was controlled by British or American people, long-distance calls were made at 10 yuan per minute. Later, the monopoly was broken, and Hong Kong people controlled the telecommunications industry themselves, but now it is a few cents per minute. For example, in the Ministry of Railways, it is very difficult and technically complicated to continuously improve the speed over the years. Taking improving the speed of locomotives as a breakthrough, a series of technological progress is reflected. Natural monopoly enterprises should use scientific and technological progress to counter all kinds of barriers set by foreign countries.

????????Commissioner Uzitu said that this law should have stricter regulations on foreign capital entering the China market. Only article 29 of Chapter 4, on concentration of business operators, deals with foreign capital’s merger and acquisition of domestic enterprises. In recent years, foreign investment in various fields of China’s economy really needs attention. Relevant information shows that before 2004, foreign investment in China in the form of mergers and acquisitions only accounted for 5% of the investment. By 2004, the proportion had risen to 11%, and in 2005 it reached 20%. What was the figure in 2006? I haven’t seen the data yet. I think there may be more. The leading bosses and backbone enterprises in many domestic industries have been acquired and controlled by foreign-funded enterprises. For such a situation, it seems a little weak to rely on this one alone. How to deal with this situation abroad? For example, in the United States, a foreign investment committee composed of the Ministry of Finance, the the State Council, the Ministry of Commerce, the Ministry of National Defense, the Ministry of Justice, the national security affairs department, and the Economic Advisory Committee has been set up, which is responsible for examining the merger and acquisition of American domestic enterprises by foreign investors. For example, CNOOC’s acquisition of Yunik Company in the United States was abandoned because of the intervention of Congress and the security review. A few years ago, we bought some US Treasury bonds. In recent years, the dollar has depreciated. Many people think that we are losing a lot now, but in this case, in the eyes of Americans themselves, there have been many comments on the impact of holding US Treasury bonds on US economic security. Another example is that our newly established foreign exchange company is going to buy the Blackstone Fund in the United States, which has caused discussion in the US Congress and relevant government departments.I believe that this behavior may affect the national security of the United States. Since China’s entry into WTO, our financial field has been opened in all directions recently, but it is almost impossible for our domestic finance, insurance and securities to enter the American market. It can be seen that as a free and open market economy country like the United States, they attach so much importance to this. In contrast, our country has not paid enough attention to this aspect. I hope it can be reflected in this law.??

????????Commissioner Chen Shineng said that the draft anti-monopoly law under discussion today involves my industry, and now there is a very serious problem, that is, industrial safety. I just want to give you an example, and I also want to ask you how to truly stop malicious mergers and acquisitions and protect our national industry in this anti-monopoly law. For example, batteries are used by everyone in daily life, including lithium batteries for mobile phones. After more than ten years’ development, the production of batteries in our country has reached more than 30 billion, compared with more than 40 billion in the world, and our export volume has reached 80% of the world trade volume, among which alkaline manganese batteries with relatively high technical content and high added value were monopolized by enterprises in the United States, Japan and other countries ten years ago. However, after ten years of our own efforts, we are now the world’s largest battery producer and exporter, so the United States and Japan felt threatened, and they took a series of measures, first of all, they took technical barriers to trade and the 337 investigation case of intellectual property protection, and made investigations in 2004 and 2005, but we responded positively and won. In anti-dumping, we also responded and won. Improve environmental protection indicators, and we have also kept up with them through our technical measures. In this case, the United States has adopted the practice of fundamentally changing the property rights of the backbone battery enterprises in China. It has bought the leading battery enterprises in China, Nanfu Battery Co., Ltd. in Fujian and the battery co., Ltd. jointly invested by China Bank and Hongkong Bank in Ningbo at a high price.They are the backbone enterprises in our battery industry, adopting high and new technology. Their alkaline manganese batteries are the first and second in our country and the top ten in the world. Nanfu brand and Shuanglu brand mercury-free alkaline manganese batteries are brand-name products in China, which have been recognized by AQSIQ. These two enterprises, whose predecessors were small and medium-sized enterprises, began to work hard in the 1990s. They gradually developed by introducing advanced foreign equipment and technology, and solved the initial funding problem. They respectively set up joint ventures with international finance and investment companies and Hong Kong companies. After long-term hard work and capital accumulation, by 2002, the total assets of these two companies had reached 880 million and 390 million respectively, and their sales revenue had reached 757 million, and their tax profits had also reached. Such a high profit rate is unmatched by foreign battery industry. But no one expected that these two companies, which are developing at a high speed, were both acquired by foreign battery companies from 2005 to 2006. Nanfu battery was acquired 72% equity by Duracell in the United States, the largest battery company in the world, and BOC was acquired 85% equity by GT Company in Singapore, and the main business rights of the company were given to foreign battery companies. There is also the third Leopard King, which is also 85% owned by American companies. In other words, the top three most profitable alkaline manganese battery enterprises in China have been acquired by foreign enterprises. Acquisition of property rights of China battery enterprises,It may be a very important strategy for international famous battery enterprises to monopolize the international high-end battery market. In recent ten years, American Duracell Group has poured a lot of financial and material resources into the China market. At that time, China’s battery industry itself was not mature, so their brands occupied a large share of us. By the middle and late 1990s, several domestic battery enterprises, such as Nanfu, which I mentioned just now, had introduced technology and equipment, digested and absorbed them, and gradually acquired their own intellectual property rights, with improved quality and grade. In the domestic market, it has been supported by AQSIQ and China Battery Association. We have blocked Duracell, Energizer and Hitachi in Japan, and their output, sales volume and profits in our country have dropped greatly. At this time, foreign enterprises have taken the above series of measures. Although we responded to the US 337 investigation case and the anti-dumping case, we all won, but in this case, due to the short-term behavior of the local governments where these domestic enterprises are located, these enterprises all have local government investment, and the local government originally invested tens of millions, but now it can get back hundreds of millions, so it also strongly advocates. I don’t know if there is any unfair trade here. Bank of China, for its own sake, as a financial institution, now has a relatively high profit, so take it back quickly, or maybe the relevant parties have done some work. In this kind of "mercenary" and "short-term behavior", the high-priced acquisition with foreign companies "hit it off". In order to successfully acquire, foreign companies,For a period of time, they can promise to play your brand, but the most important thing is to make use of your sales channels. First, China has a large market. In addition, China’s export volume is already very large, accounting for 70%-80% of the international market. Slowly, at the beginning, I signed a contract with you. One was to pay a high price, and the other was to promise that your brand still existed. Finally, he became the big boss, and he had the final say, and your brand gradually disappeared. Finally, it was his brand that was completely played. This is a malicious merger. Under such circumstances, China’s battery industry leader, the enterprise that was cultivated in the past ten years of reform and opening up, was slowly "eaten" and withdrew from the market. Therefore, what we have to think about is how to maintain the industrial safety of these industries in our country. Now this phenomenon not only occurs in the battery industry, but also in the household appliances industry, hardware industry, daily chemical industry, plastic industry and so on in my light industry. For example, in the home appliance industry, through the efforts of these ten years, our output and sales, including world trade volume, air conditioners and microwave ovens account for 70% of the world trade volume, refrigerators and freezers account for 50% of the world trade volume, washing machines account for more than 40% of the world trade volume, and small household appliances account for 80% to 90% of the world trade volume. Therefore, the foreign enterprises in the world corresponding to us must be jealous of us, so they will take various measures to us, including buying him at a high price, which is strategic. For example, in recent years, Dabao in Beijing, as a welfare enterprise for the disabled,The state has given preferential policies, and now, after it is developed, Procter & Gamble will also buy it, and it is said that it seems that we have talked about it. Supor rice cookers in the hardware industry are to be acquired by French companies. I mean, from a battery industry, we can see that the whole light industry in China and hundreds of famous brands are threatened, and so is Wahaha, a beverage company in Hangzhou. Of course, there are also some strategic problems of its own. These problems are worthy of our deep thinking. Therefore, in our anti-monopoly law, I want to ask you how to withstand it. Because we know very well that when we want to buy American oil companies, CNOOC has already talked about it, and finally American parliamentary legislation blocked us. Our legislation should give full consideration to the protection of China’s industrial safety, such as the self-discipline of trade associations. Article 20 of Chapter 4 stipulates that if the concentration of business operators meets the reporting standards stipulated by the State Council, the business operators should report to the anti-monopoly law enforcement agencies in the State Council in advance, and if they fail to report, they may not implement concentration. As a matter of fact, our trade association knew all those things afterwards, because the State Council didn’t authorize us, so they didn’t have to report to us. We didn’t know until afterwards, but it was too late. As far as the State Council is concerned, the declaration standards can only be set in principle, and each industry and product can be set quantitatively, which the State Council can’t do, not to mention the State Council, and the National Development and Reform Commission can’t be so detailed. Therefore, for specific industries, the State Council should authorize trade associations. If not,It can’t do it at all.

????????Dai Songling (deputy to the National People’s Congress) said that the merger between enterprises should be clearly controlled in the draft. In recent years, China’s economy has developed rapidly. Under the market economy, enterprises with fixed assets of about 5 billion have a natural tendency to expand their scale and market share. Moreover, in some areas, large enterprises buy, merge and control small and medium-sized enterprises in these areas by virtue of their scale and advanced technology, resulting in competitors with certain capabilities gradually withdrawing from the market and forming a monopolistic market structure. Therefore, the merger between enterprises should be clearly controlled in the draft. If the purchase, merger and holding between enterprises form a monopoly in a certain market, or even the price of the products of the enterprise has completely influenced the market price, the state must intervene.

　　Text | Economic Net Xiaoxi

　　Let’s start with a joke to help everyone get into the play — —

　　What are you going to do if you have eight years left in your life?

　　We do "5-year college entrance examination 3-year simulation".

　　The 2016 college entrance examination is coming soon. These days, candidates and parents in some southern and central provinces seem to be a little upset. In fact, students all over the country love and hate the college entrance examination, including Beijing students who are envied and hated by "local classmates".

　　Who says Beijing’s admission score is low? It’s just that Tsinghua and Peking University have higher admission rates for Beijing students. But which place is not like this? Isn’t Fudan University recruiting many candidates from Shanghai? Aren’t there many candidates from Zhejiang University? Individual provinces in the western region have been taken care of in colleges and universities across the country!

　　Moreover, many schools in Beijing attach more importance to quality education and all-round development. We not only have to study and take exams, but also cultivate all kinds of abilities. We are also under great pressure to attend all kinds of classes. It is also difficult for Beijing children to go to Tsinghua and Peking University. In order to send their children to a better school, many parents send their children to other provinces to study, and then come back to take the college entrance examination. The competition is also fierce.

　　As a liberal arts student, I think there are few good liberal arts colleges in Beijing, only a few such as Peking University, National People’s Congress and Beijing Normal University, not as many as universities of science and engineering. Compared with science students, our liberal arts students have a narrow choice. Will people scold me if I say so? I’m just saying my feelings from a personal point of view. Moreover, language schools in Beijing are seriously unfair to male and female candidates. For example, in North Language and Foreign Languages, girls have to score much higher than boys to get into the exam.

　　In the history of Jiangsu college entrance examination, there was once the only "3+ comprehensive" with a record degree of devil, that is, three examination papers in addition to the number of languages and one large examination paper in physics, chemistry, history, politics, geography and biology. It sounds like it’s a breakdown. You can’t neglect any of the nine courses. Unfortunately, I caught up with this session.

　　My sister’s high school is a national key high school in Jiangsu Province. By the time we graduated from Grade Two, we had finished the course of Grade Three. So we are reviewing and improving the whole senior three; Make papers, correct papers, and comment on papers … … After finishing all kinds of official simulation papers, the teacher will set up the papers by himself, which is called "darkness".

　　No comparison, no harm. Two foreign students from Beijing came to my freshman class, and asked their relatives to come to my school in Jiangsu to receive "devil training". Their grades are far from the bottom of our class! In the end, after they returned to Beijing to take the college entrance examination, they were admitted to two good books in Beijing.

　　Sister didn’t suffer for nothing, and was admitted to a local 211 school in Jiangsu. There is a classmate from Beijing in the class. When asked about the score of the college entrance examination, he is more than 100 points worse than me (at that time, Beijing adopted "3+ small synthesis", and the total score was 750 points like Jiangsu paper). However, people are quite calm: if it weren’t for poor grades, who would go to college in other places?

　　I have two biggest frustrations about the college entrance examination: first, the relevant policies have not taken care of populous provinces, and second, there are no particularly good universities in Henan.

　　There are many people in Henan, and the competition for the college entrance examination is too fierce. When we fill in the volunteers, the school requires that every key university enrolled in Henan must be registered, but not two people at the same time. One is to avoid competition among students, the other is to ensure that every student with good grades can attend the key points, and the third is to ensure the enrollment rate of the school. I wanted to apply for Sichuan University, but one of my classmates also applied, so the head teacher did my ideological work and wanted me to apply for a key university in the west. I didn’t want to, so the class teacher joined my parents to do my work. They said: I am a fresh graduate, and my grades fluctuate greatly. That classmate’s grades are more stable than mine, so I guess I can’t pass the exam, and so on. I agreed. As a result, the results of the college entrance examination came out, and I scored higher than that classmate. I ignored my parents and class teacher for more than a month. The second unhappiness is that there are no particularly good universities in Henan. If there were, I wouldn’t have to travel all the way to the west to study, and the competition among Henan candidates would not be so fierce.

　　I have two biggest frustrations about the college entrance examination: first, the competition in the province is fierce; Second, there are not many good universities in Fujian, and there are few choices.

　　Because children in Fujian don’t like going out of the province for the college entrance examination, almost all the top students will rush to Xiamen University, so Xiamen University may not have such a high admission score, but it was squeezed by students in the province, which made it difficult for us to enter Xiamen University.

　　There are too few good schools in Fujian. Generally, the best students who don’t like going out of the province go to Xiamen University, followed by Fuzhou University, and then the ordinary schools in the province. The choice is too small. Moreover, the famous schools in the north recruit very limited people here.

　　Xiao Wu, an Anhui native, took the college entrance examination in 2007.

　　My biggest dissatisfaction with the college entrance examination is that the essay topic "I don’t know what to say", and cheat people is not shallow.

　　For many years in a row, the Chinese composition questions of the college entrance examination in Anhui Province have been "spit out" and have become popular on the Internet because they are "unintelligible" and "obscure". One year’s topic is "Looking at Mom in Spring", another year’s conception angle is "Beyond the Bend", another year’s material is "Planting lotus flowers neither deep nor shallow", and even more outrageous, one year’s proposition is "Please put the ladder sideways without using it" … … Although the angles are all optional, the materials and topics are uncommon! These essay topics, which are far away from students’ lives, lead to students’ inability to write and poor writing. It is really cheat people.

　　Xiao Zhou, a native of Shandong, took the college entrance examination in 2004.

　　I have two biggest frustrations about the college entrance examination: one is the high score, and the other is the invasion of privacy.

　　The score line in Shandong Province is particularly high. In that year, we scored more than 600 points in liberal arts and science. If a science student wants to take the Tsinghua exam, he will score more than 700 points! Moreover, in order to catch cheating, every examination room is equipped with a high-definition camera, which has no dead angle in 360 degrees. I think it is a violation of privacy.

　　To celebrate the 100th anniversary of the founding of the Communist Party of China (CPC), Yangguang. com launched the Sound Calendar of Party History, which takes you through a hundred years with sound.

　　"Today in Party History"

　　On October 8, 2008, the National Earthquake Relief Summary and Commendation Conference comprehensively summarized the earthquake relief work and further expounded the great spirit of earthquake relief: unity of mind, perseverance, people-oriented and respect for science.

　　On May 12, 2008, the Wenchuan earthquake of magnitude 8.0 suddenly occurred, causing nearly 100,000 compatriots to die or disappear … … This earthquake is the most destructive, widespread and difficult to rescue since the founding of New China.

　　In the face of the sudden catastrophic earthquake disaster, the whole party, the whole army and the people of all ethnic groups throughout the country are United, facing difficulties and fighting tenaciously.

　　At 14: 28 on May 12, 2008, an earthquake of magnitude 8.0 occurred in Wenchuan, Sichuan (photo source: vision china).

　　On the morning of October 8, 2008, the Central Committee of the Communist Party of China, the State Council and the Central Military Commission held a national summary and commendation meeting on earthquake relief in the Great Hall of the People.

　　In the magnificent earthquake relief struggle, we used ideals to unite strength, faith to build strength, and true feelings to condense care, and vigorously cultivated and carried forward the great spirit of earthquake relief, which is United as one, fearless, indomitable, people-oriented and respectful of science.

　　The great spirit of earthquake relief embodies and further develops the spirit of patriotism, collectivism and socialism, the glorious tradition and fine style of our party and army, the great national spirit of the Chinese nation and the spirit of the times of contemporary China people, which is extremely valuable spiritual wealth of the party and people.

　　United in earthquake relief and indomitable victory. The more difficult it is, the more forward it is — — From Wenchuan and Yushu to Lushan and Ludian, in successive earthquake disasters, the great spirit of earthquake relief has been continuously sublimated, and the Chinese nation has shown strong cohesion and centripetal force. This spiritual strength is not only a valuable asset for the reconstruction of the disaster area, but also a guarantee for us to cope with the risk challenges and face the future.

　　How difficult it is to prosper the country and make it strong. Looking back, we experienced many natural disasters, but the people of China never flinched. The powerful spiritual power of the great earthquake relief spirit will inspire us to win new victories in various tests and challenges!

　　(Source: Communist party member Network, People’s Network)

　　Chief producer: Levin, Feng Yu

　　Editor: Yu Jingjin

　　Producer: Wang Wei, Zhao Jing and Ma Yuan

　　Planning: Liu Yidi

　　Audio production: Qin Yue

　　Anchor: Liu Jiaming

　　Design: Chen Ying

[Original Truck House] A green passage for the transportation of fresh agricultural products canEnjoy the "green traffic" policy of free passage, which not only reduces the circulation cost, but alsoIt is a great thing to make it easier for farmers and card friends.

Free passageFresh agricultural products“Lvtong",I believe that card friends have a better understanding. Today, the author will take stock of some" pseudo-Green Pass "agricultural products that are easily mistaken for fresh agricultural products, and talk to you about the situation of free mixed loading and overload in the transportation of Green Pass.

● 　Easily mistaken "Pseudogreen pass"Agricultural products

Liveness is the element, and an agricultural product that is easily confused by some card friends does not belong to the toll-free "Lvtong”。 In the future, when encountering the following items, card friends should not mistake them for fresh agricultural products. They negotiated the freight rate with the owner according to the "Green Pass". After loading the car and driving to the toll booth, they found that they could not enjoy free passage and suffered a dumb loss on the freight rate.

Ginger, fungi Such as: dried fungus, dried mushrooms and other non-fresh fungi;

Nuts Such as: walnut, hickory, chestnut, ginkgo, torreya grandis, etc.;

Ornamental fish Such as: goldfish and tropical fish raised at home;

Non-livestock Such as scorpions, silkworms, frogs, etc.

Grain category Such as: rice, barley, wheat, millet, corn, peanuts, soybeans, red beans, sugar cane, etc.

Nonmeat Such as: animal viscera;

Seasoning Such as: pepper, aniseed, etc.

Cold (Tibetan) frozen species Including: all kinds of frozen, refrigerated, chilled and frozen products.

● 　Keep in mind "Legal loading of whole vehicle20% and 5%

If the agricultural products of the whole vehicle are mixed, what should I do if there may be overloading? The country also has clear regulations on "legal loading of whole vehicles", and card users must keep in mind the two thresholds of 20% and 5%:

Mixed loading cannot exceed 20% If the free fresh agricultural products are mixed with other agricultural products, and the mixed other agricultural products do not exceed 20% of the vehicle’s approved load mass or compartment volume, it can be regarded as a vehicle loaded with fresh agricultural products and enjoy free "green pass". Those who mix more than 20% will no longer enjoy the free "Green Pass".

Overload cannot exceed 5% Taking into account the possible reasonable error of vehicle weighing equipment, the fresh agricultural products transport vehicles whose overload range does not exceed 5% shall be carried out according to the legally loaded vehicles. More than 5%, as illegal loading, no longer enjoy free "green pass".

For more information about Lutong Logistics, please continue to pay attention to the follow-up reports of Truck House. (Text/Figure Xie Chun)

　　Now when receiving a call from the insurance company, Mr. Zhu has a firm attitude: No consideration! He no longer trusts the bank as before, and even considers canceling the bank’s credit card.

　　Recalling that he bought an insurance five years ago, Mr. Zhu still regrets it very much, and this regret will accompany him for five years until the payment expires in 10 years. Since he bought insurance, the insurance company has called him every now and then to promote other insurance products, and he feels overwhelmed.

　　He said: "This insurance is in the name of the bank credit card center. I bought it out of trust in the bank, but after carefully studying the contract, I think this insurance is not suitable for me. I want to surrender, but I can only negotiate with the insurance company!"

　　Should I add insurance if my credit record is good?

　　"When they called me, they first exchanged pleasantries with you and told you that from your credit card consumption record, your credit is very good. Soon, they will tell you that your current insurance coverage is low, and there are more suitable ones for you, so let me continue to add insurance. The 10-year payment period should be recalculated from the date of adding insurance. In this case, I can only resolutely refuse. " Mr. Zhu told reporters.

　　"This doesn’t mean that if I accept their advice again, the payment for the first five years will not count, so it won’t be a bottomless pit?" Mr. Zhu was very excited when he talked about it.

　　After the mood calmed down a little, Mr. Zhu recalled to the reporter the situation when he bought this insurance.

　　At that time, during the Beijing Olympic Games, Mr. Zhu just got off the bus when he returned to Beijing on vacation from other places, and he received a phone call from his credit card issuer recommending him to buy an insurance from a foreign insurance company. "Buying an insurance policy means an extra guarantee, which is a good thing. At the same time, I trust this bank, so I readily accept the products they recommend." Mr. Zhu said.

　　However, in fact, Mr. Zhu, then 25, knew so little about insurance that he had never even heard of the name of the company that recommended buying insurance.

　　"At that time, people who claimed to be the bank credit card center only briefly introduced the function of this insurance on the phone and told me that if they suffered from serious diseases during the 20-year insurance period, they could get compensation from the insurance company, but they didn’t even tell me how much they could pay at that time." Mr. Zhu told reporters.

　　Because Mr. Zhu was outdoors when he received the phone call, he didn’t calm down and think carefully about what major diseases were included. If he felt that it was inappropriate to surrender, he would have any losses, and he agreed to buy insurance.

　　Credit card transfer is silent.

　　According to Mr. Zhu’s insurance contract, the main insurance he purchased is the endowment assurance of Happy Life (2008 edition), and the monthly insurance premium is 442.80 yuan, and the long-term critical illness insurance (2008 edition) is paid in advance with Happy Life, and the monthly insurance premium is 44.30 yuan. The payment period is 10 years and the insurance period is 20 years.

　　"I remember calling me on Friday afternoon, and they sent the insurance policy on Monday morning, only one weekend apart." Mr. Zhu said. At that time, the insurance policy was sent to the unit by express delivery. "When I arrived, the courier asked me to sign it. Without telling me any information, I didn’t think much, so I signed it." Mr. Zhu said.

　　These seemingly ordinary things have quietly buried hidden dangers for Mr. Zhu. Because the monthly payment of this insurance product is 487.10 yuan, the amount is not large, and this fee is directly transferred from the credit card, and Mr. Zhu does not have to go to the bank to pay in person. In addition, he has just come back from vacation and is busy with work, so at first, buying insurance did not attract his high attention.

　　When he was free, Mr. Zhu began to carefully consider whether it was appropriate to buy this insurance, and at this time it was three months since the policy came into effect.

　　Looking at this contract, Mr. Zhu felt more and more wrong, so he searched online. This search doesn’t matter. Some comments on the Internet made Mr. Zhu gasp.

　　"I found that this insurance is very poor in the evaluation of netizens, and I think it is not suitable. I want to surrender." Mr. Zhu told reporters, however, after communication, Mr. Zhu learned that if he surrendered, his losses would be great. "If the payment is less than one year, I will not get any premium when I surrender, which is equivalent to three months of premium payment. My monthly salary was not high at that time, and the three-month premium was definitely not a small amount for myself. " Mr. Zhu said.

　　Faced with such an outcome, Mr. Zhu felt very helpless and could only continue to pay the premium. The reporter saw in the insurance contract that his main insurance period was less than one year without cash value, and the cash value at the end of the first year was 8.82 (calculated by the amount of insurance in 1000 yuan). Then, even if he surrendered his insurance at the end of the first year, he could only get 1,764 yuan, while the premium paid in one year was 5,845.2 yuan.

　　In an interview with reporters, Mr. Zhu admitted that he was ill-considered in purchasing this insurance at that time and made a hasty decision.

　　Are deep cooperation advantages and disadvantages?

　　In the cooperation between insurance companies and banks, in addition to borrowing bank outlets for sales, more cooperation has gone deep into credit card centers. Because credit card customers generally have good credibility, strong economic strength and high insurance awareness, insurance companies attach great importance to it.

　　At the same time, because of the natural trust in banks, it is easier for insurance companies to sell insurance in the name of bank credit card centers. However, insiders pointed out that it is understandable for insurance companies and banks to carry out in-depth cooperation. If the sales behavior norms will make customers more convenient, it will be good for everyone. However, if the sales behavior of bancassurance is not more standardized, there will be misleading sales or telephone nuisance, and even insurance disputes, which will make consumers feel rebellious towards insurance companies and banks, and banks may lose some of their customers.

　　"No matter when the bank credit card center sold it to me on the phone or when the insurance policy was sent to me by courier and asked me to sign it, they didn’t emphasize the risk of surrender, nor did they prompt what should be determined before signing. I think they avoided the weight and misled me. I made a decision too quickly." Mr. Zhu said.

　　After this incident, Mr. Zhu’s attitude towards insurance changed from accepting to refusing. He said: "If insurance companies are dishonest when selling insurance, even if they have insurance, they may not be guaranteed."

　　Five years later, Mr. Zhu still pays the premium every month, but he has long ignored the significance of this policy. He said: "It’s time to deposit a current deposit and take it out when the insurance expires. But who knows what will happen in 20 years? Maybe insurance still has some effect. " In his speech, Mr. Zhu has both helplessness to insurance and a little affirmation of the significance of insurance. (Securities Daily Leng Cuihua)