On April 30th, Ma Jiangming took off his protective clothing and rested in the safe passage of a shopping mall in Pudong New Area. Zhongqingbao Zhongqingwang reporter Yan Xueqing/photo

According to the WeChat news of Freezing Point Weekly, on April 28th, 17 "Epidemic Prevention Dabai" in Shanghai were forced to leave Dejinyuan Community in Pudong New Area after receiving wages and subsidies that had been owed for nearly one month. That night, the rain cooled in Shanghai, and they slept under a bridge in a nearby park.

"Epidemic Prevention" is their standard title on the local official attendance sheet. For more than a month, they didn’t know how to define their identity. Nominally, they are called "volunteers" by residents and residents’ committee staff. In fact, they are "migrant workers" in the prevention and control of COVID-19 epidemic in Shanghai, and they are recruited as "epidemic prevention security guards" through security companies and intermediaries.

A number of security guards reported to the reporter of China Youth Daily and China Youth Network that they had encountered problems such as "deceptive recruitment", loss of team leader, and arrears of salary subsidies.

be cheated

More than 10 interviewed players thought they were cheated to Dejinyuan Community.

Zhang lei used to work in Baoshan District, Shanghai. After the outbreak of the epidemic, the factory stopped working. He saw an intermediary named "Yang" posting job information in the recruitment group.

The recruitment information requires that there must be a nucleic acid certificate within 48 hours, and the site management arrangement must be obeyed, so that the community can be unsealed. The conditions are: 250 yuan/day, 12-hour accommodation, and salary settlement. The work address only says "Community near Beicai Town, Pudong New Area".

Zhang lei said that the working hours promised by the intermediary at that time were 3 to 15 days.

Similar recruitment information appeared in large numbers after the outbreak. The reporter saw in a number of Shanghai recruitment groups and odd jobs that in late April, the recruitment information was still maintained at dozens of posts every day, mostly involving epidemic situations: epidemic prevention and security, cleaning, killing team members, volunteers for epidemic control, group buying WeChat group business promoters, and secret transfer security guards.

The so-called "inner perimeter" refers to working in the sealed control area. Zhang lei called specifically to ask whether there were positive infected people in the work area. The other party said that "there is no positive, only secret connection" and asked him for his name and mobile phone number to complete the registration.

Zhang lei bluntly said that he cares about whether there are positive people because they can’t stand the lost working hours after isolation.

"We are migrant workers, and we really came out to work during the epidemic to make money." Zhang lei said that they work in the factory, and the nature of their work is odd jobs. They rarely sign full-time contracts, and they are basically converted into "hourly jobs" through labor agencies, which means that once they stop working, they have no income.

"But the mortgage in our hometown has not stopped, and the elderly and children are waiting to raise, and there are many expenses." Zhang lei said that they can’t be idle.

Ma Jiangming is also concerned about whether there are positive infected people in the workplace when applying for the job. In February of this year, he just came to Shanghai from other places to work, and he heard that Beicai had rushed over to recruit workers.

On March 22nd, Zhang lei and other five people arrived at their residence-Chen Qiao Neighborhood Committee of Beicai Town in Dejinyuan Community. At this time, they learned that Dejinyuan had positive infections in mid-March, and some of them had not yet been transported.

At this point, they can’t actually leave, either wear protective clothing to work or stay in the closed control area. "There must be a door to go out of the community, even if it is out of the community, how to leave Pudong is also a problem."

After the intermediary sent them to the door of the community, they disappeared and the group chat was dissolved. Until now, Zhang lei didn’t know the real name of "Yang", only remembered that the other party was a "young man" and a mobile phone number belonging to Shanghai.

By the end of March, a total of 22 people had stayed in Dejinyuan Community, becoming "the white of internal insurance and epidemic prevention". They live in an activity room on the second floor of Chen Qiao residents’ committee. There is only one spring bed, and the other 21 people play on the floor.

The residence of Dejinyuan "Epidemic Prevention Dabai" in Chen Qiao Neighborhood Committee. Photo courtesy of respondents

Their task in Dejinyuan is to maintain the order of the positive building and nucleic acid detection in the community, dissuade residents who try to get out of the building, and send safeguard materials to the door of the positive infected person.

In the first two weeks, they have to deal with the diverse needs of residents in the community. In the eyes of residents, they are not ordinary migrant workers. "Those of us who wear protective clothing are the nearest epidemic prevention workers".

"At that time, the residents of the community were also very difficult. In addition to making money, everyone wanted to help the trapped residents do something." Team member Zhang Changshun told reporters that he was one of the first people who came to support the community on March 18th. He used to be a security guard in a nearby community and was temporarily transferred to Dejinyuan.

go missing

The salary first went wrong in early April.

The salary of more than 200 yuan for 12 hours is not high in Shanghai. Zhang Changshun said that his original security salary was more than 200 yuan a day, but it was higher than usual to be able to work "even shifts" during the epidemic.

"Working overtime" means going to work day and night. For example, the reporter saw that a recruitment information directly stated that "working overtime" was allowed, 12 hours /200 yuan, 24 hours/400 yuan and 48 hours/800 yuan.

Zhang Changshun, Ma Jiangming and others just arrived, which is called "Lian Ban". Stay on duty for 12 hours in front of the building, with a daily salary of 240-260 yuan; 24 hours on the job, double it. In the early days, two people were in charge of a building, and they could take turns to rest when they were not busy at night.

The form of "continuous shift" lasted for about a week and was cancelled. It was changed to 12 hours a day and 6 hours overtime.

On April 5th in Dejinyuan, the column of overtime hours was changed from 12 hours to 6 hours. The daily attendance sheet is stamped with the official seal of Chen Qiao Resident Committee of Beicai Town, Pudong New Area.

Attendance sheet for epidemic prevention in Dejinyuan, Yishen Security, Shanghai. Photo courtesy of respondents

"This is equivalent to reducing salary in disguise." Zhang lei said that with the outbreak of the epidemic, the number of positive buildings in the community increased. In the later period, there were 14 buildings with positive infections, and there were insufficient manpower. One person looked at two buildings. "The treatment has declined and the workload has increased."

The intermediary promised to pay wages within 15 days. Originally, their attendance and wages were the responsibility of the team leader Chen Yiwei. After Chen Yiwei delayed the issuance many times, on April 26, he suddenly lost contact.

After the news came out, some residents of Dejinyuan were worried.

As the epidemic prevention security guards went to defend their rights, the building was unattended. A resident saw his neighbor living in the closed building go out of his house, worried that the epidemic prevention achievements would be "destroyed once and there was no hope of unsealing", and called on everyone to contribute to solving the wage arrears problem of "epidemic prevention" in the community WeChat group.

"Chen Yiwei’s running must have been thought out early and premeditated." Zhang Changshun said that on April 19th, Chen Yiwei borrowed 1000 yuan money from him, saying that he needed money.

Chen Yiwei is the "biggest spender" in the team. His money is mainly used for "dumping materials" in Dejinyuan.

A number of team members said that Chen Yiwei got milk, coke, sprite, cigarettes, alcohol and other materials, and then sold them to residents and team members at high prices. This kind of materials once belonged to "rare goods" in the closed control area.

Many residents who bought materials from Chen Yiwei kept transfer records. Some residents told reporters that a bottle of alcohol with a market price of more than 40 yuan would cost more than 200 yuan from Chen Yiwei. A daily price of 110 yuan cigarettes, from Chen Yiwei’s hand to increase the price of 100 yuan.

On April 24th, the number of times that Chen Yiwei borrowed money reached a peak, and he kept borrowing money from the team members and some residents of Dejinyuan Community. According to incomplete statistics, nearly 10 players borrowed more than 9000 yuan from Chen Yiwei. The number of loans borrowed by residents is unknown.

Chen Yiwei once borrowed a battery car from Wei, a resident of the community. A team member said that he saw Chen Yiwei "running away by bike". At the same time, Chen Yiwei took away 21 players with a total living expenses of 21,000 yuan.

Since April 26, the team members have repeatedly called Chen Yiwei’s mobile phone number and WeChat, but they can’t get through. Before the press release, the reporter dialed Chen Yiwei’s mobile phone number, and the other party showed that it was turned off.

ask for help

After learning about it, some residents of Dejinyuan also spontaneously called and posted online posts for help and rights protection.

On April 27th, Zhang lei was called to the door by three strangers, who told him to stop making trouble.

Zhang lei and other team members called 12345, 12333, 12348 and other hotlines to report and reported to the police.

After the intervention of Beicai Town Government, two staff members who claimed to be Shanghai Yishen Security Company came to negotiate with them to pay the arrears of wages. One is called Dang Man Min, and the other is Zhuo.

Party Manchu paid 21 epidemic prevention security guards the salary and overtime allowance before April 26th, calculated as 18 hours per day, and asked them to remain on duty.

The players were divided into several groups and received wages and subsidies from the party and the people. Photo courtesy of respondents

They are worried about future problems and hope to sign a written employment agreement. On the evening of April 28th, a new captain came to the community, saying that new personnel would join in and asked the original epidemic prevention security guards to make room. In the end, 17 members including Ma Jiangming left Dejinyuan Community in the rain.

On May 1st, a person in charge of the Chen Qiao neighborhood committee in Beicai Town told the reporter of Zhongqingbao. com that the problems reflected by the "Great White Epidemic Prevention" had been solved, and 17 people left for "transferring posts" and "changing to other communities".

He said that it is not clear whether these "big whites" come from intermediary companies or security companies. "They are all operated from above and have nothing to do with the Jucun Committee." They are only responsible for the reception of personnel after they come in. "Other things don’t matter."

The relevant departments of Shanghai told the reporter of Zhongqing Daily and Zhongqing.com that Pudong New Area has been involved in handling this matter. The reporter asked the relevant departments of Pudong New Area, Beicai Town and Shanghai Yishen Security Company about the situation. As of press time, no response was received.

Zhang lei and others denied "post adjustment".

They can’t rest under the bridge in the park any longer. On April 29, the city management unit inspected. "I heard that someone reported us." Ma Jiang said.

Four of them found a hotel, "beds, 40 to 50 yuan per person a day". The rest are going to stay under the bridge for two days.

Ma Jiang said that it has been raining for many days in Shanghai, and it is difficult to find places where no one lives, such as bridge opening, corridors and underground garages, and so on, until you find a job.

On the evening of 29th, Zhang lei told the reporter a "good news"-he and three workmates "came out of Pudong New Area". They found a taxi with a pass through the introduction of friends with channels. From Beicai Town to Baoshan District, the whole journey is about 38 kilometers, and each person is in 300 yuan. Four people paid the driver a total of 1200 yuan.

Ma Jiangming found a new job through an intermediary. "I still do epidemic prevention and help doctors who do nucleic acid testing’ label’. "He repeatedly confirmed the information to the intermediary, and the intermediary made a guarantee," 400 yuan can have a normal rest one day and at night ".

They walked 3 kilometers to the work place and found that there was no doctor there, only an isolation point under construction. "Let’s build a shed and be cheated again."

That night, they found an underground garage in a shopping mall and planned to spend the night there. When they went inside, they found that it was occupied. There is no one on the second and third floors of the safe passage, where they make a floor and temporarily settle down.

(At the request of the respondents, Zhang lei, Ma Jiangming and Zhang Changshun are all pseudonyms.)

Original title: 17 epidemic prevention security guards in Shanghai were cheated, and now they spend the night under the bridge and in the corridor.

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　　Recently, the regulation of the property market in hot cities has been tightened, and real estate financing has also been strongly regulated. A number of bankers said that in the second half of the year, they will strictly and prudently manage loans in the real estate sector and control development loans and mortgage loans in accordance with the requirements of the regulatory authorities. In the future, there is little room for further improvement in the proportion of real estate in financial resources. At the same time, the credit policy will be adjusted and optimized around the regulatory requirements, and the support for the real economy will be increased.

　　Some areas raised mortgage interest rates.

　　According to the monitoring data of Rong 360 Big Data Research Institute, from the end of July to the beginning of August, the mortgage interest rates in Suzhou, Hangzhou, Dalian and Ningbo all increased.

　　Li Wanbin, an analyst at Rong 360 Big Data Research Institute, said that the increase in mortgage interest rates was due to overheating of the property market in some cities, and local governments adjusted by raising mortgage interest rates. In addition, the bank’s credit funds in the second half of the year are often not as abundant as those in the first half of the year, and the mortgage amount is also relatively tight. Under this circumstance, the bank will also choose to raise the mortgage interest rate.

　　"It is expected that more regions will raise the mortgage interest rate, and the amount will be relatively tight, but it does not rule out that some banks in some regions will lower the mortgage interest rate from the bank’s own funds and business strategies." Li Wanbin said.

　　According to the statistics of the Central Plains Real Estate Research Center, at present, the mortgage interest rates in various places are basically stable, with few obvious fluctuations, and most banks are still lending normally. Judging from the major first-and second-tier cities in China, the current interest rate level fluctuates slightly compared with the second quarter, but most cities still maintain the lowest interest rate in the past two years.

　　Wang Yifeng, chief analyst of Everbright Securities Banking, said that housing mortgage loans have grown rapidly since this year. Under the background of stable housing prices, stable expectations and city-specific policies, real estate policies in various cities have maintained pressure, and mortgage interest rates have diverged to some extent. Judging from the current situation, the demand for housing mortgage loans is relatively stable.

　　Real estate credit policy will be tightened.

　　Recently, the central bank named real estate finance twice, emphasizing maintaining the continuity and stability of real estate financial policies and continuously strengthening the control of funds in the real estate market. A number of insiders told china securities journal that loans in the real estate sector will be managed strictly and prudently in the second half of the year according to the requirements of the regulatory authorities.

　　The president of Suzhou Branch of a big bank said that in the first half of the year, the bank’s investment in real estate accounted for less than 30% of the total investment, and development loans and mortgage loans will be more strictly controlled in the second half of the year.

　　According to the vice president of Wuhan Branch of a joint-stock bank, the real estate credit of the bank did not exceed 40% in the first half of the year. "Every year, our bank’s asset structure layout of the industry is orderly. In the second half of the year, the whole bank will implement total amount control and preferential selection to support rigid demand. In general, banks’ control over real estate credit will become more and more strict. "

　　"Our real estate loans are very few, and now under the requirements of policy regulation, we will not take the initiative to market." The president of a stock bank in Changzhou, Jiangsu Province said that the mortgage interest rates of the first and second suites of the bank are 10% and 15% higher than the benchmark interest rate respectively, and the mortgage interest rates will be adjusted according to market conditions in due course.

　　"From a policy perspective, it is expected that the proportion of real estate in financial resources will be carefully regulated in the future, and there is little room for further improvement in the proportion of real estate in financial resources." Lian Ping, chief economist of Bank of Communications, believes that at present, under the requirement of "housing and not speculating", most first-and second-tier cities have strict control over the property market, and it is impossible to speculate on real estate on a large scale. In the future, real estate credit should do its homework from the structure and match the reasonable demand in line with reality.

　　For example, Lian Ping said that from the perspective of mortgage, under the current strict control policies, the market demand in many places is still rigid and benign, and banks should support it. In terms of development loans, banks and non-bank channels should also give support if there is benign and reasonable demand in the market.

　　The credit direction will be adjusted in the second half of the year.

　　A number of banking industry insiders said that the credit policy will be adjusted around the regulatory requirements in the second half of the year. The vice president of Wuhan Branch of the above-mentioned joint-stock bank said that the bank invested heavily in private enterprises and inclusive finance in the first half of the year, and will increase credit support for manufacturing industry in the second half of the year according to regulatory requirements.

　　Wang Yifeng said that significant growth in manufacturing and medium and long-term loans required further policy arrangements. With the gradual consumption of pre-reserve projects, loans to the public have been weak. In the future, how to promote the rapid growth of manufacturing loans needs further policy guidance. In addition, how to effectively activate the vitality of micro-subjects, especially the effective demand of funds, also needs more effective policy support.

　　It is worth noting that the regulatory authorities have made arrangements to increase support for the manufacturing industry. Yang Liping, chief prosecutor of China Banking and Insurance Regulatory Commission, said earlier that China Banking and Insurance Regulatory Commission asked banks to set annual service targets for manufacturing industry, mainly to tackle key core technologies in the field of sticking neck, and to support key areas such as strategic emerging industries and transformation and upgrading of manufacturing industry, so as to realize that the balance of manufacturing loans was significantly higher than that of last year. At the same time, improve the professional ability of service manufacturing industry, supervise large banks to optimize the term of loans, match the production and research cycle of manufacturing enterprises, and increase the medium and long-term loans. Those who can make credit loans will insist on reviewing the first repayment source and make credit loans.

Jingshang Sinotrans Zi [2022] No.32

Bureau of Commerce of each district, Bureau of Commerce and Finance of Development Zone, and relevant units:

　　According to the relevant provisions of the Notice of the Ministry of Finance and the Ministry of Commerce on Printing and Distributing the Measures for the Administration of Special Funds for Foreign Trade and Economic Development (Cai Jian [2022] No.3, hereinafter referred to as the Measures for Funds) and the Notice of the General Office of the Ministry of Finance and the General Office of the Ministry of Commerce on the Key Work of Special Funds for Foreign Trade and Economic Development in 2022 (Cai Ban Jian [2022] No.37), in order to do a good job in the declaration of import discount projects in 2022, we will now make relevant statements.

　　I. Basic information

　　The import discount is subject to catalog management, and this import discount declaration is based on the Catalogue of Technologies and Products Encouraged to Import (2016 Edition) issued by the National Development and Reform Commission, the Ministry of Finance and the Ministry of Commerce. The catalogue includes three parts: advanced technology encouraged to import, important equipment encouraged to import and key industries encouraged to develop. The Service Trade Department of our bureau is responsible for encouraging the introduction of advanced technology, and the Foreign Trade Operation Department is responsible for encouraging the import of important equipment and encouraging the development of key industries.

　　Second, the enterprise application conditions

　　(1) Import the products listed in the Catalogue of Technologies and Products Encouraged to Import (2016 Edition) issued by the National Development and Reform Commission, the Ministry of Finance and the Ministry of Commerce (hereinafter referred to as the Catalogue) and the new edition of the Catalogue issued according to the changes of the situation (excluding old products), or import the technologies listed in the Catalogue from non-affiliated enterprises.

　　(2) The applicant enterprise for imported products shall be the consuming and using unit on the Import Goods Declaration Form; The applicant for technology import shall be the technology user on the Registration Certificate of Technology Import Contract.

　　(3) The import declaration of imported products shall be completed from July 1, 2021 to June 30, 2022 (subject to the customs clearance date); The imported technology shall execute the contract from July 1, 2021 to June 30, 2022, and obtain the foreign exchange payment certificate issued by the bank.

　　(four) the technology import contract does not contain provisions that violate the regulations of People’s Republic of China (PRC) Municipality on the administration of technology import and export (the State Council DecreeNo. 331st).

　　(5) The equipment imported under "Key Industries to Encourage Development" in the Catalogue is not included in the Catalogue of Imported Commodities Not Exempted from Tax for Domestic Investment Projects (Adjusted in 2012) (Announcement No.83 of Ministry of Finance, National Development and Reform Commission, General Administration of Customs and State Taxation Administration of The People’s Republic of China, 2012).

　　(6) The total amount of imported products and technologies meeting the above conditions shall not be less than 500,000 US dollars.

　　(7) According to the relevant requirements, central enterprises in Beijing (all enterprises affiliated to central enterprises shall be declared through the Central Enterprise Group) shall be declared through their central departments (institutions), and the Beijing Municipal Bureau of Commerce will no longer accept them.

　　Third, the application materials

　　(1) Application documents signed by the legal representative of the enterprise (Annex 1), including: basic information of the enterprise, import purposes, expected benefits, project performance objectives (completion of work and objectives), etc.

　　(2) Notes on the Declaration of Import Discount Matters in 2022 (Annex 2) and electronic data.

　　(3) Business license of the enterprise (photocopy).

　　(4) Application Form for Import Discount Matters in 2022 (Annex 3) and electronic data.

　　(5) Import product order contract or technology import contract (photocopy, Chinese translation is required for non-Chinese contracts).

　　(six) imported products, the need to provide the "People’s Republic of China (PRC) Customs Import Goods Declaration Form" (copy or printed copy of the enterprise retained).

　　(7) If technology is imported, it is required to provide the Registration Certificate of Technology Import Contract, Data Sheet of Technology Import Contract and the foreign exchange payment certificate (photocopy) issued by the bank indicating the technology import contract number. If the technology user is inconsistent with the foreign exchange payment unit, the agency contract of both parties shall be provided. The amount of technology import refers to the amount of technology fees paid for importing technologies in the Catalogue from non-affiliated enterprises through transfer, licensing, commissioned development, cooperative development, technical consultation, etc. (excluding equipment, training, debugging, travel and other expenses, excluding technology import fees paid in proportion based on annual sales and profits). Please indicate the technology import contract number, technology name and the amount of foreign exchange payment that meets the discount conditions on the payment voucher.

　　(8) To import the equipment under "key industries to encourage development", it is necessary to provide the Confirmation of Domestic and Foreign-funded Projects Encouraged by the State (or the Confirmation Notice of Applicable Encouraged Industrial Policies issued by the Customs, including the list and photocopy of imported equipment attached to the confirmation letter or notice), the Certificate of Tax Exemption for Import and Export Goods (photocopy) and the Import Goods Declaration Form (photocopy). If the tax exemption certificate cannot be obtained because the tariff is zero, the tax exemption certificate may not be submitted, but the relevant situation shall be explained in the application report, and the certification materials that the relevant goods are zero tariff shall be submitted; Belonging to the "National Engineering (Technology) Research Center, National Engineering Laboratory, State-recognized Enterprise Technology Center, Key Laboratory, High-tech Entrepreneurship Service Center, New Product Development and Design Center, Scientific Research Pilot Base and Experimental Base Construction" in the third part of the Catalogue, it is not necessary to submit the Confirmation of Domestic and Foreign Projects Encouraged by the State, but it must be submitted to the Ministry of Science and Technology, the National Development and Reform Commission and other departments.

　　(nine) if the important equipment has technical parameters, it is necessary to provide import contracts or product manuals and other relevant certification materials that list the technical parameters of the goods.

　　(ten) the introduction of technology should explain whether it is introduced from affiliated enterprises, and the relevant information should be explained with supporting materials if the enterprise is renamed.

　　The above materials must be stamped with the official seal of the enterprise.

　　Iv. Work progress and reporting time

　　(1) Submit written materials on site from July 25th to July 29th, 2022 (in duplicate).

　　(2) Check the original materials on site from August 8 to August 12, 2022, and submit the bound paper materials (with page numbers) in triplicate and electronic data (submitted by USB flash drive).

　　V. Place and method of submitting materials

　　Venue: The application materials shall be delivered to the conference room on the second floor of Annex 6, Xili South District, Chaoyang Park, Chaoyang District, Beijing.

　　Method: In order to do a good job in epidemic prevention and control and avoid the possible infection risk caused by crowd gathering, this year’s import discount materials are submitted by appointment system. The reporting enterprise shall complete the telephone appointment from July 20th to July 22nd (9:00-18:00), submit the written materials at the site according to the agreed time, and will not accept the appointment afterwards. Each unit shall send at most one person to the site to declare the materials. Please leave the name and mobile phone number of the person when making an appointment.

　　Appointment telephone number for submission of materials: 17610520360

　　Business consultation telephone (product): 55579519

　　Business consultation telephone number (technology): 55579493

　　VI. Training and other arrangements

　　In order to do a good job in the declaration of import discount projects in 2022, the Municipal Bureau of Commerce is scheduled to hold a training meeting on the project declaration process from 15: 00 to 16: 30 on Monday, July 18, and enterprises that intend to declare can voluntarily participate. The training adopts online conference (Tencent conference number: 823614617), and participating enterprises need to download the "Tencent Conference" client in advance.

　　In order to facilitate communication and receive notification information, enterprises applying for intention can scan the QR code (Annex 4) and join the "Beijing 2022 Import Discount Declaration" WeChat group. Please note "enterprise name+contact person name" for enterprises joining the group.

　　I hereby inform you.

Beijing Municipal Bureau of Commerce　　　　

July 13th, 2022　　

Male nannies are still a minority in the market.

　　Near the end of the year, the topic of "Chinese New Year nanny’s daily salary exceeds that of 500 yuan" has attracted attention. According to media reports, during the Spring Festival in 2020, the price of domestic service personnel will all rise, and the daily salary of full-time nannies will also start in 300 yuan, and the highest can reach above 500 yuan.

　　Every year when the Spring Festival is approaching, the salary and shortage of nannies will cause heated discussion. Families who need to hire nannies also say that it is not easy to find a suitable nanny during the Chinese New Year.

　　So, what’s the situation of Hangzhou nanny market this year? Qianjiang evening news recently visited the domestic service market in Zhaohui, Hangzhou, and chatted with the agents and aunts.

　　"Aunt in short supply? You see, we sit here every day waiting for the aunt hired by the employer. " Zhang Fengjuan, head of Chengwang Home Economics Service Department in Hangzhou Zhaohui Home Economics Service Market, said that it is now more difficult to match the needs of both parties: employers have their own set of standards for choosing people; When aunts take jobs, most of them have to weigh various factors such as labor remuneration and service intensity.

　　3,300 yuan to chat for a month, no one did it.

　　"Where are you from?" "How old?" "Going back to your hometown in the New Year?" … … On December 25th, Mr. Wang, a 50-year-old Hangzhou native, wanted to find a nanny for his 75-year-old mother. "My mother lives in an apartment for the elderly, and she is taken care of for eating and washing, and her actions are fairly comfortable. She just wants to find someone to talk with her and look after her at night."

　　He soon surrounded a circle of aunts, but none of them had the will to take this job.

　　"The monthly salary is 3,300 yuan, and the Chinese New Year is coming soon. Such a price will definitely not be found." An aunt from the Northeast is very honest and frank: Even though this kind of work is relatively easy, their main purpose is to make money. "Without money, everything else is useless.".

　　At 3: 00 pm, there are few employers looking for domestic service, and aunts sit and chat in twos and threes, and also share some recruitment news. "I just came to an employer and lived in a five-story villa. It costs 6,000 yuan a month. Will you do it?" An aunt asked. Soon, many aunts around began to discuss. Some people estimated that "cleaning the fifth floor, cooking and looking after the children are very tired and unbearable." Someone bluntly said, "Such a heavy job is not cost-effective."

　　Within a few hours of the reporter’s squatting in the domestic service center, some employers came one after another, but few of them actually signed the contract. Mr. Huang, 51, wanted to find a live-in nanny for the elderly at home. He went around the market several times and didn’t find the right one. He said, "During the Chinese New Year, my salary will definitely go up, and I can accept it, but the main reason is that there is no eye fate. Choosing a nanny depends on the eye fate."

　　It’s hard to find a job after 60.

　　Aunt Han from Jiangxi has been waiting in the market for several days, but she hasn’t waited for her employer. She said, the main reason is my age. "I am 62 years old this year. Many employers will think I am too old, afraid that I will not do things neatly, and I am afraid that I will have physical problems at home and cannot afford this responsibility."

　　"Of course, people in their forties are the most popular," Aunt Han observed some aunts who were negotiating with their employers, and was a little unconvinced. "They are confident, mainly young, but many of them are not as experienced as me."

　　During the interview, Aunt Han told reporters not to always write "nanny shortage". "Look, where is the shortage? Aren’t they all waiting aunts?" She recalled that last year, the market suddenly flooded into a group of "unfamiliar faces" aunts. These aunts said that they saw on TV that Hangzhou was "aunt shortage" and their wages were high, so they ran from Wenzhou and Taizhou. "As a result, I found that this was not the case at all and went back the next day."

　　Aunt Han also complained that the arrival of a large number of "young" aunts would take away her few opportunities.

　　Male nanny wronged: I can cook and wash clothes.

　　"Where did you come from?" "I’m not doing it at home now. I’m a security guard."

　　"Why did you come here?"

　　"Being a nanny again."

　　An aunt sat next to Lao Zhang and chatted with him. Lao Zhang, 51, was the only male candidate in the market that day. He changed from security guard because he felt that the income from work in the domestic industry was stable. "There are few cases of wage arrears and family warmth."

　　As early as 2006, Lao Zhang entered the domestic industry. Later, because the acceptance of male nannies decreased, he began to find other jobs.

　　Lao Zhang said that most families don’t accept male nannies. On the one hand, many male nannies smoke and drink, causing dissatisfaction among the elderly in the family, "ruining the atmosphere." In addition, male nannies spend more on eating and drinking at home. "For example, if a woman eats a bowl of rice, we may have to eat two bowls, which is a bit too much for the average family."

　　The aunt on the side took the conversation. "The male nanny is completely uncompetitive compared with us. Cleaning, washing clothes and cooking are all done well by women. "

　　Lao Zhang was anxious. "I can cook and wash clothes as well, and I am stronger than you."

　　Lao Zhang decided to try again while the Chinese New Year was coming. He said, "It’s best to find a long-term nanny. If not, you can be a short-term babysitter with high salary."

　　Aunties gave him advice. Generally, after the twentieth day of the twelfth lunar month, there will be a "replacement tide", and many nannies who used to live at home may come out to be substitutes. The salary depends on the workload of the new employer’s family, usually 300-500 yuan a day.

　　Lao Zhang immediately asked after listening, "Is 500 a day to see the elderly or children?" "Children, of course."

　　Lao Zhang gave a cry and stopped talking. He knows that the elderly who are seriously ill or fat are more willing to choose him.

　　Chinese New Year red envelopes test the employment relationship best.

　　In Zhaohui domestic service market, we know that during the Chinese New Year, most aunts hope that their employers can double their wages or give them a big red envelope. Many aunts said that employers usually give them a salary increase, red envelopes and clothes during the Spring Festival. If some employers don’t want to, they may quit their jobs or jump ship when the Spring Festival approaches, and come to the domestic market to see new opportunities.

　　"But most aunts still go home during the Chinese New Year, and there are indeed a few substitutes." An aunt said.

　　Aunt Ke, who is going to stay in Hangzhou for the Spring Festival this year, said that the salary for the Spring Festival is expected to be one day in 400 yuan. However, she said that domestic service agents are unwilling to raise prices too high. "They are afraid of disrupting the market, and they are afraid that the asking price will be too high and the signing rate will be reduced, which will affect their commission." So sometimes, she will make two preparations, talk to her employer herself, or go to the intermediary to sign an agreement. "Without an agreement, there is no guarantee."

　　At present, Aunt Ke has a potential employer and is very satisfied with her, but Aunt Ke still wants to wait and see. "Because I need to take care of an old man with a stroke." She said that most aunts are more willing to take care of children, and their wages are relatively high. Generally, they spend more than 6,000 yuan a month to look after children and 4,000-5,000 yuan to take care of the elderly.

　　In the domestic service market, we also found that most of them came from older aunts and employers.

　　"Now many post-80s and post-90s couples are looking for domestic service, and they prefer to find it on various Internet platforms, which will also divert some customers. Most of the people who come to the housekeeping center to find their aunts are elderly people. " Zhang Fengjuan said that now, some young aunts will also choose to call the domestic service platform online.

　　Should I give the nanny a red envelope during the Spring Festival? (Reporter Chen Xi)

　　CCTV News:On January 13th, 2017, a press conference was held in the press room of the State Council Information Office. When introducing the import and export situation in 2016, Huang Songping, spokesman of the General Administration of Customs, said that in 2016, the world economy recovered difficultly and the domestic economy improved steadily.

　　He reported on China’s foreign trade import and export in 2016. In 2016, the world economy recovered difficultly, and the domestic economy improved steadily. According to customs statistics, in 2016, the total import and export value of goods in China was 24.33 trillion yuan, down 0.9% from 2015. Among them, exports were 13.84 trillion yuan, down 2%; Imports reached 10.49 trillion yuan, up by 0.6%; The trade surplus was 3.35 trillion yuan, narrowing by 9.1%.

　　The specific situation mainly includes the following aspects:　

　　I. Imports and exports stabilized quarter by quarter, and both achieved positive growth in the fourth quarter. In 2016, China’s import and export showed a trend of low before and high after, and stabilized and improved quarter by quarter. Among them, in the first quarter, China’s import and export, export and import value decreased by 8.2%, 7.9% and 8.6% respectively; In the second quarter, the value of import and export, export and import decreased by 1.1%, 0.8% and 1.5% respectively; In the third quarter, the import and export value increased by 0.8% and 2.3% respectively, while the export value decreased by 0.3%; In the fourth quarter, the value of import and export, export and import increased by 3.8%, 0.3% and 8.7% respectively.

　　Second, the import and export of general trade increased and its proportion increased. In 2016, China’s general trade import and export was 13.39 trillion yuan, up 0.9%, accounting for 55% of China’s total import and export value, up 1 percentage point from 2015, and the trade pattern structure was optimized.　

　　Third, export growth to some countries along the Belt and Road. In 2016, China’s exports to Pakistan, Russia, Poland, Bangladesh and India increased by 11%, 14.1%, 11.8%, 9% and 6.5% respectively. In the same period, China’s exports to the EU increased by 1.2%, to the United States increased slightly by 0.1%, and to ASEAN decreased by 2%, accounting for 46.7% of China’s total exports.　

　　Fourth, the proportion of private enterprises’ exports continued to maintain the first place. In 2016, the import and export of private enterprises in China was 9.28 trillion yuan, an increase of 2.2%, accounting for 38.1% of China’s total foreign trade. Among them, exports were 6.35 trillion yuan, down 0.2%, accounting for 45.9% of the total export value, and continued to maintain the top position in export share; Imports increased by 8.1%.

　　Five, mechanical and electrical products, traditional labor-intensive products are still the main export. In 2016, the export of mechanical and electrical products in China was 7.98 trillion yuan, down by 1.9%, accounting for 57.7% of China’s total export value. Among them, the export of medical instruments and instruments increased by 6.1%, and the export of storage batteries increased by 4%. In the same period, the total export of traditional labor-intensive products was 2.88 trillion yuan, down 1.7%, accounting for 20.8% of the total export value. Among them, the export of textiles, toys and plastic products increased.　

　　6. The import volume of bulk commodities such as iron ore, crude oil and copper maintained growth, and the prices of major imported commodities remained at a low level, but the decline narrowed. In 2016, China imported 1.024 billion tons of iron ore, an increase of 7.5%; 381 million tons of crude oil, up by 13.6%; 256 million tons of coal, up by 25.2%; 13.21 million tons of steel, an increase of 3.4%; 4.95 million tons of copper, up 2.9%; Refined oil was 27.84 million tons, down 6.5%. In the same period, China’s import prices generally fell by 2.1%. Among them, the average import price of iron ore decreased by 0.5% year-on-year, crude oil decreased by 18.6%, refined oil decreased by 10.8%, coal decreased by 0.1%, copper decreased by 6%, and steel decreased by 5.5%, which was narrower than that in the first half and the first three quarters.

　　Deeply understand and accelerate the development of new quality productive forces

　　Commentator of Qiushi magazine

　　"Developing new-quality productive forces is an inherent requirement and an important focus for promoting high-quality development. We must continue to do a good job in innovation and promote the accelerated development of new-quality productive forces."

　　On January 31, 2024, General Secretary of the Supreme Leader delivered an important speech when he presided over the 11th collective study in the Political Bureau of the Central Committee, systematically expounded the scientific connotation of new quality productivity from the combination of theory and practice, profoundly pointed out the great significance of developing new quality productivity, and put forward clear requirements for developing new quality productivity. From putting forward "new quality productive forces" during a local inspection in 2023, to emphasizing "developing new quality productive forces" at the Central Economic Work Conference, and then making a systematic exposition during the collective study of the Politburo, the General Secretary’s series of important expositions and major arrangements on developing new quality productive forces have profoundly answered the important theoretical and practical questions of "what is new quality productive forces, why should we develop new quality productive forces, and how to develop new quality productive forces", which provides a basis for promoting high-quality development in the new journey.

　　High-quality development needs the guidance of new productivity theory.

　　Marxism holds that productivity is the material premise of all social life, the most active and revolutionary factor to promote social progress, and the productivity standard is a fundamental standard to measure social development. Marx and Engels pointed out that "the sum of people’s productive forces determines the social situation". Unswervingly promoting the development of productive forces and constantly improving people’s living standards on this basis is the fundamental starting point of all our party’s work.

　　The fundamental task of socialism is to liberate and develop social productive forces, and the superiority of socialism over capitalism lies in its ability to develop productive forces faster and better. After the founding of New China, Comrade Mao Zedong proposed that "the purpose of socialist revolution is to liberate productive forces". After the reform and opening up, Comrade Deng Xiaoping clearly pointed out that "there are many tasks of socialism, but the fundamental one is to develop productive forces". Since the founding of the People’s Republic of China, our Party has only spent several decades leading the people to complete the industrialization process that developed countries have gone through for hundreds of years, promoting China’s development into the second largest economy in the world, and creating a miracle of rapid economic development that is rare in the world. It is extremely important to attach great importance to productivity standards, always adhere to the liberation and development of social productivity, and constantly enhance the comprehensive national strength of socialist countries.

　　Entering a new era, China’s economic development has entered a new stage. The CPC Central Committee with the Supreme Leader as the core regards adhering to high-quality development as the last word in the new era, consistently liberates and develops social productive forces, makes a series of major decisions and arrangements, and pushes China’s economy to a higher-quality, more efficient, fairer, more sustainable and safer development path. The level of productive forces has achieved great improvement and breakthrough development, forming a new qualitative state of productive forces development. In view of this new situation, the General Secretary of the Supreme Leader clearly pointed out that "the new quality productivity has been formed in practice and has shown a strong driving force and support for high-quality development".

　　At the same time, we should also see that there are still a lot of factors restricting high-quality development, such as some key core technologies being controlled by people, the problems of "big but not strong" and "all but not excellent" in the industry, and the pressure of transforming the production and living system to green and low carbon, and so on. To further promote high-quality development, we must form new industries, new models and new kinetic energy, firmly grasp key core technologies in our own hands, build a modern industrial system that is self-controllable, safe, reliable and competitive, build a green and low-carbon circular economy system, and realize connotative growth driven by innovation. In the final analysis, it is to achieve greater breakthroughs and greater development at the level of productivity. This puts forward a new topic for our theoretical development, and we need to further deepen our understanding of the new quality productivity. General Secretary of the Supreme Leader emphasized that the development of new quality productive forces "requires us to summarize and generalize theoretically to guide new development practice". General Secretary Supreme Leader’s important exposition on developing new-quality productive forces points out the important focus of promoting high-quality development, embodies a profound grasp of the development law of productive forces and the outstanding problems facing China’s development, and is a profound summary of the law of China’s economic construction, further innovating and developing Marxist productive forces theory, which is an important part of Supreme Leader’s economic thought and has important theoretical and practical significance. We must study deeply and deeply understand it and use it to guide practice.

　　Grasping the scientific connotation of new quality productivity

　　What is new quality productivity? General Secretary of the Supreme Leader pointed out: "In a nutshell, the new quality productivity is an advanced productivity that plays a leading role in innovation, gets rid of the traditional economic growth mode and productivity development path, has the characteristics of high technology, high efficiency and high quality, and conforms to the new development concept. It was born out of revolutionary breakthrough in technology, innovative allocation of production factors, and deep transformation and upgrading of industries. The basic connotation is the leap of laborers, labor materials, labor objects and their optimized combinations, and the core symbol is the substantial improvement of total factor productivity. Its characteristics are innovation, the key is high quality, and the essence is advanced productivity. " This important exposition profoundly points out the basic theoretical issues such as the characteristics, basic connotations, core symbols, characteristics, keys and essence of the new-quality productive forces, and provides a fundamental basis for us to accurately grasp the scientific connotation of the new-quality productive forces.

　　New-quality productivity is an advanced productivity with innovation as the leading role, and its characteristic is innovation. The key to grasping the new quality productivity lies in a deep understanding of the key role of innovation in improving productivity. Looking back at history, from the mechanization of the first industrial revolution in the 18th century to the electrification of the second industrial revolution in the 19th century, and then to the informationization of the third industrial revolution in the 20th century, subversive scientific and technological innovations have brought about great liberation of social productive forces and great leap in living standards, which fundamentally changed the development track of human history. Some countries have seized the rare opportunity of scientific and technological revolution and industrial transformation, and their comprehensive national strength has increased rapidly, even becoming a world power. At present, a new round of scientific and technological revolution and industrial transformation is ready to go, and some major disruptive technological innovations are creating new industries and new formats. Information technology, biotechnology, manufacturing technology, new material technology and new energy technology have penetrated into almost all fields, which has led to major group technological changes characterized by green, intelligence and ubiquity. We have ushered in the historic intersection of the new round of scientific and technological revolution and industrial transformation in the world and the transformation of development mode in China, and are faced with a once-in-a-lifetime historical opportunity. New quality productive forces have emerged as the times require and have continued to grow and develop in practice. New quality productivity represents the new direction and trend of scientific and technological revolution and industrial transformation, and represents the development direction of advanced productivity. To accelerate the formation of new quality productive forces is to gain a leading position in the development of productive forces, take the lead in new fields and new tracks, and win the initiative in development in fierce international competition.

　　Marx pointed out that "productivity, that is, the development of production capacity and its elements" and "labor productivity is developing with the continuous progress of science and technology". New quality productivity is the product of productivity development and scientific and technological progress, and it is a revolutionary promotion of human ability to transform nature. This promotion is holistic and fundamental, and as its constituent elements, workers, labor materials and labor objects must also have new connotations. As far as workers are concerned, workers are the most active factor in productivity. What matches the new quality productivity is no longer ordinary workers who focus on simple repetitive work, but strategic talents who can create new quality productivity and applied talents who can master new quality production materials skillfully. As far as labor materials are concerned, as a "measuring instrument for the development of human labor force", with the development and wide application of original technology and subversive technology, more and more new production tools will be produced, and old and backward production tools will be gradually replaced by new and advanced production tools, which is also the main symbol of the development of productive forces. As far as the object of labor is concerned, the improvement and extensive use of labor materials will inevitably lead to the expansion of the scope of labor objects, including not only traditional natural materials, but also intangible forms such as data that are not limited by space and time.

　　Only by combining various factors of production can we form realistic productive forces. New quality productivity is not only reflected in the innovative development of various factors, but also in the innovative development of the combination of production factors. With the development and changes of laborers, labor materials and labor objects in the new quality productivity, the optimized combination of the three will also undergo revolutionary changes, bringing new industries, new formats and new models, and forming new kinetic energy and new advantages that drive economic development. Productivity determines production relations, and production relations react on productivity. The formation of new quality productive forces will inevitably lead to revolutionary changes in production relations, and it is necessary to form new production relations to adapt to them, and protect, liberate and develop them. Constantly reforming and perfecting the relations of production and forming new management modes and new institutional mechanisms are important guarantees for promoting the continuous development of new quality productive forces.

　　In a word, we should deeply realize that the new quality productivity is not the local optimization and simple iteration of the traditional productivity, but the advanced productivity, which is spawned by the revolutionary breakthrough of technology, the innovative allocation of production factors and the deep transformation and upgrading of industries. It will certainly bring about changes in the development mode and production mode, promote the new leap of China’s social productivity and lay a more solid material and technological foundation for building a socialist modern country in an all-round way.

　　Promote new quality productivity and accelerate development.

　　"We can’t fall behind on the new track", "We should catch up, strive to achieve, run and even lead". At the Central Economic Work Conference in 2023, the words of the Supreme Leader General Secretary were inspiring. On the new journey of building a strong country and national rejuvenation, the most fundamental thing to promote Chinese modernization is to realize the modernization of productive forces. The essence of new quality productivity is advanced productivity. It is necessary to unify thoughts and actions with the spirit of the important speech of the Supreme Leader General Secretary and the decision-making arrangements of the CPC Central Committee, focus on the central task of economic construction and the primary task of high-quality development, further enhance the consciousness and initiative of promoting the development of new-quality productive forces, and improve the practical skills of promoting the development of new-quality productive forces.

　　— — Accelerate scientific and technological innovation. Scientific and technological innovation can give birth to new industries, new models and new kinetic energy, which is the core element of developing new quality productivity. We must strengthen scientific and technological innovation, especially original and subversive scientific and technological innovation, accelerate the realization of high-level scientific and technological self-reliance, lay a solid battle for key core technologies, and cultivate new kinetic energy for developing new quality productive forces.

　　— — Accelerate industrial innovation. Industry is the carrier of productive forces, and scientific and technological achievements can only become social productive forces through industrialization. It is necessary to apply scientific and technological innovations to specific industries and industrial chains in a timely manner, transform and upgrade traditional industries, cultivate and expand emerging industries, lay out and build future industries, and improve the modern industrial system. Layout the industrial chain around the development of new quality productivity, improve the resilience and safety level of the industrial chain supply chain, and ensure that the industrial system is self-controllable, safe and reliable.

　　— — Accelerate the innovation of development mode. Green development is the background of high-quality development, and new quality productivity itself is green productivity. We must speed up the green transformation of development mode, firmly establish and practice Lucid waters and lush mountains are invaluable assets’s concept, unswervingly take the road of ecological priority and green development, and vigorously advocate a green and healthy lifestyle in the whole society.

　　— — Accelerate the innovation of system and mechanism. The relations of production must meet the requirements of the development of productive forces. To develop new quality productive forces, we must further deepen the reform in an all-round way and form a new type of production relationship that is suitable for it. It is necessary to deepen the reform of the economic system and the scientific and technological system, and strive to get through the blocking points that constrain the development of new quality productive forces. Expand high-level opening to the outside world and create a good international environment for the development of new quality productive forces.

　　— — Accelerate the innovation of talent work mechanism. Talent is the first resource, and the essence of innovation drive is talent drive. In the final analysis, the development of new quality productive forces depends on innovative talents. In accordance with the requirements of developing new quality productive forces, we should smooth the virtuous circle of education, science and technology and talents, and improve the working mechanism of talent training, introduction, use and rational flow. Improve the income distribution mechanism in which factors participate, and create a good atmosphere to encourage innovation and tolerate failure.

Original clinical nutrition network

Author: Plain dust-free

Postdoctoral fellow, University of California San Diego Cancer Center. Nutritionist, food safety engineer

Washington University in St Louis, graduate student in public health, pre-medical doctor. Doctor of Public Health from Louisiana State University Health Sciences Center, and Delta Omega Doctoral Award, one of the highest honors of American public health graduates. "China Clinical Nutrition Network" signed a dietitian

His main research interests are smoking cessation, alcohol withdrawal and marijuana withdrawal, nutrition and chronic diseases, and cancer prevention and control.

The article was first published in big doctor magazine, and was revised by the author and then pushed again.

China Clinical Nutrition Network has been authorized to reprint

Nutrients are various substances needed by the human body, which support the growth, development and normal physiological functions of the human body. The nutrients needed by the human body can be roughly divided into seven categories. In the past, we used 15 issues to introduce the physiological functions, excess and deficiency, food sources and hot topics of seven nutrients in detail.

The following is a brief summary of them and a link to introduce each nutrient in detail (click the title to enter directly):

General introduction

The first issue:

(Image from WeChat public platform public photo gallery)

1. protein

An important component of the human body, used to repair and build body tissues, is also the main component of enzymes, hormones and antibodies. Protein is rich in meat, eggs, beans, nuts and seeds.

Phase II:

(Image from WeChat public platform public photo gallery)

2. Fat

Provide energy for the body and help absorb fat-soluble vitamins. It includes saturated fat, monounsaturated fat and polyunsaturated fat. Healthy sources of fat include fish, nuts, seeds and olive oil.

The third issue:

(Image from WeChat public platform public photo gallery)

3. carbohydrates

The main energy source of the human body. It includes sugar, starch and fiber. Whole grains, vegetables, fruits and beans are good sources of carbohydrates.

Phase IV: Phase V:

(Image from WeChat public platform public photo gallery)

4. vitamins

Nutrients that the human body cannot make by itself and must obtain from food or supplements. They contribute to various physiological functions of the body, including immunity, vision and bone health. Vitamins are mainly obtained by eating fresh vegetables, fruits and whole grains.

Issue 6: Issue 7: Issue 8:

(Image from WeChat public platform public photo gallery)

5. minerals

It is very important for bone health, muscle function, nerve conduction and some biochemical reactions. Foods rich in minerals such as fresh vegetables, fruits, whole grains, nuts and seeds.

Issue 9: Issue 10: Issue 11: Issue 12:

(Image from WeChat public platform public photo gallery)

6. Dietary fiber

Although they are not absorbed by human body, they have many health benefits, including improving digestion, preventing constipation, controlling blood sugar and reducing the risk of heart disease. Dietary fiber mainly comes from vegetables, fruits, whole grains and beans.

Issue 13:

(Image from WeChat public platform public photo gallery)

7. Water

The main component of the human body is vital to the functions of all body systems, including temperature regulation, waste removal and transportation of nutrients.

Issue 14: Issue 15:

(Source: WeChat public platform public photo library)

Attachment: Nutritional catering

Why do people eat so many kinds of food every day? Because the body needs balanced nutrients! Every food contains different nutrients, so we need to take them from different foods. Generally, weight catering method and energy catering method can be used.

Issue 16: Issue 17: In the next series, we will use 10 issues to introduce nutrition and health in different life cycles, including the potential impact of newborn birth weight on health, eating and sleeping of babies, health and nutrition needs of children and adolescents, and nutrition needs and health management in early, middle and late adulthood. Regarding the life cycle, if you have any special topics you want to know, please leave a message.

Original title: "[Popular Science Nutrition] A summary of the seven nutrients and nutritional meals that the human body needs! 》

Read the original text

Percutaneous argon-helium knife treatment of liver cancer is one of the non-surgical treatment methods in recent years, which indicates that the treatment of liver cancer has entered a new stage of cryotherapy. Professor Yang Yongping, director of the Department of Hepatology and Medicine, Fifth Medical Center, General Hospital of Chinese People’s Liberation Army, shared the cryoablation treatment of liver cancer in the first multi-disciplinary cooperation forum of Anhui Province, and the platform of treating liver cancer with sincerity specially compiled the essence for readers.

Overview of liver cancer

In China, hepatocellular carcinoma (HCC) is the fifth largest malignant tumor and the second largest tumor-related death cause, with a five-year survival rate of only 14.2%. How to treat liver cancer scientifically and benefit the long-term survival of patients is an important clinical problem, and it is also the gold standard to measure the treatment level of medical units. In 2022, the updated guidelines for prognosis and treatment strategy of clinical liver cancer (BCLC) in Barcelona proposed that patients with HCC should be accurately evaluated individually. Doctors need to fully consider the scope and load of the tumor, the nutritional status and human performance of the patient, complications, age, etc., and formulate individualized treatment methods for the patient.

No matter what stage the patient is in, local ablation is an important treatment. At present, a variety of mature local ablation treatment techniques for liver cancer have been formed, including radiofrequency ablation, microwave ablation, cryoablation, irreversible electroporation (nano-knife) and so on.

Overview of cryoablation therapy

Cryoablation therapy has experienced a long development process. In 1800, James Arnott discovered that the mixture of ice and salt could delay the progress of breast cancer, uterine cancer and skin cancer. In 1950, liquid nitrogen and dry ice were used to treat different kinds of diseases, especially benign skin lesions. In 1961, Cooper and Le introduced the first automatic cryosurgical equipment, but it used liquid nitrogen as refrigerant, which had many complications and was only used in laparotomy. In the 1970s and 1980s, liquid nitrogen needle was used to treat prostate hypertrophy and prostate cancer, but the cryoablation technology was stagnant due to many complications. In the 1990s, intraoperative ultrasound monitoring of freezing process was used in surgery by scholars, and argon was studied as the refrigerant. In 1998, the third generation cryosurgery system (Argon-Helium cryosurgery system) came out in the United States, which used argon as the refrigerant and helium as the heat medium, bringing revolutionary progress to minimally invasive cryosurgery. In 2000, cryotherapy entered American medical insurance. In 2003, the World Congress of Targeted Cancer Therapy recommended cryoablation as the first choice for advanced lung cancer and liver cancer. In 2010, the standardized diagnosis and treatment of liver cancer promoted by the Health Planning Commission listed cryoablation as a local treatment for liver cancer. In 2016, after more than 10 years of unremitting efforts, Professor Yang Yongping’s team led the overall and comprehensive innovation and development of percutaneous cryoablation of liver cancer at home and abroad, changed the international prejudice on cryoablation of liver cancer, turned the small path into the big road, the irregular into the norm, and the unpopular into the hot spot.The technological innovation of cryoablation of liver cancer won the first prize of Beijing Science and Technology Progress Award. In 2018, 2019 and 2020, experts’ consensus on imaging-guided cryoablation for lung cancer, experts’ consensus on imaging-guided cryoablation for bone and soft tissue tumors, experts’ consensus on imaging-guided cryoablation for kidney cancer and experts’ consensus on imaging-guided cryoablation for liver cancer were released respectively. So far, NCCN, AASLD, APASL, EASL and other guidelines have recommended cryoablation for the treatment of primary liver cancer.

At present, the Department of Hepatology Medicine of the General Hospital of the Chinese People’s Liberation Army has become the largest medical center for treating liver tumors in the world last year, constantly exploring the innovation of cryoablation technology, adopting high-vacuum heat insulation technology, only destroying the tumor site without damaging the surgical path, and adopting multi-stage heat exchange technology, which makes the refrigerant utilization rate higher and the cooling rate faster, and it is easier to induce the frozen immune response of liver cancer patients, activate their own anti-tumor immunity and produce ectopic tumor inhibition.

Therapeutic mechanism and characteristics of cryoablation technology

The cryoablation area is composed of central coagulative necrosis area and peripheral tissue injury area with different degrees. The mechanism of rapid direct cell necrosis in the central area includes mechanical damage caused by ice crystal formation inside and outside the cell and osmotic damage caused by dehydration and rupture of the cell. Peripheral injury areas are mainly related to freezing-related secondary injuries, including hypoxia death of tumor tissue caused by blood embolism, apoptosis caused by reversible injury, and waterfall-like ectopic tumor suppression by stimulating immune regulation.

The characteristics of cryoablation technology include: ① clear treatment boundary, real-time monitoring under image, safe and reliable treatment; ② Treatment can stimulate human immunity and strengthen tumor treatment; ③ Physical therapy is non-toxic to human body, with extremely low side effects; ④ The treatment is painless, without general anesthesia and participation of anesthesiologists, and the treatment is convenient; ⑤ Not limited by the artificial pacemaker installed in the body; ⑥ Effective, suitable for lung cancer, liver cancer, kidney cancer, breast cancer, prostate cancer and other solid tumors.

In addition, ultrasound, CT, laparoscopy or intraoperative direct vision guidance can be used for cryoablation treatment, and the tumor position and the formation of ice hockey can be monitored in real time.

Current situation of percutaneous cryoablation of HCC

Before 2005, based on the previously reported clinical research results, there were many complications, such as bleeding, liver parenchyma frost crack, freezing shock, coagulation dysfunction and so on. International scholars were cautious about this technology. After 2005, percutaneous cryoablation for liver cancer has developed in China, especially with the publication of China’s continuous clinical summary and high-level evidence in the top international journal Hepatology. More and more clinical studies have confirmed that percutaneous cryoablation for liver cancer is safe and effective, and international scholars have a positive attitude.

Professor Yang Yongping’s team took the lead in conducting clinical research to determine the indications of liver cirrhosis-related HCC by percutaneous cryoablation. In this study, 1681 patients with liver cirrhosis-related HCC and 682 patients with advanced HCC were selected, and the indications and standards of complete cryoablation and selective cryoablation were established. It was proposed that the ablation volume of the target lesion should exceed 50% of the tumor volume or minimize the tumor load, relieve the symptoms caused by the tumor, improve the quality of life and prolong the survival time. The study also innovatively changed the percutaneous puncture to guide needle to locate the introduction of vascular sheath to solve the problem of bleeding after cryoablation, which has been cited by foreign counterparts for many times and suggested routine application.

Indications for complete cryoablation of liver cancer:

① The maximum diameter of a single tumor is less than 5 cm, or the number of tumors is less than 3, and the maximum diameter is less than 3 cm;

② Recurrence after surgical resection or other local treatment meets the conditions ①;

③ Child-Pugh A or B of liver function, bilirubin level ≤51.3μmol/L, or reaching this standard after medical treatment;

④ The blood coagulation function is good (prothrombin activity > 40%, platelet count > 30×109//L, using sheath hemostasis and packing system);

⑤ECOG PS ≤2；

⑥ Cirrhosis, including a history of chronic liver disease, with enlarged hepatic fissure/metacentric colon/esophageal varices/gastric varices/serrated liver surface, a history of upper gastrointestinal bleeding or ascites, and platelets < 100×109/L..

Indications for selective cryoablation of liver cancer:

① Single tumor with a maximum diameter of > 5cm or multiple tumors with a maximum diameter of > 3cm that cannot be surgically removed, regardless of whether there is tumor thrombus in portal vein;

② Child-Pugh A or B liver function classification, bilirubin level ≤51.3μmol/L or reaching the standard after medical treatment;

③ The blood coagulation function is good (prothrombin activity > 40%, platelet count > 30×109/L, using sheath hemostasis and packing system);

④QECOG PS ≤2；

⑤ Cirrhosis, including a history of chronic liver disease, with widened hepatic fissure/metacentric colon/esophageal varices/gastric varices/serrated liver surface, a history of upper gastrointestinal bleeding or ascites, and platelets < 100×109/L..

In addition, Professor Yang Yongping’s team innovatively established measures to prevent and treat complications of percutaneous cryoablation of hepatocellular carcinoma. In this study, 3321 patients were selected, and the measures of percutaneous cryoablation of liver cancer complications were established and verified (Table 1).

Table 1 Measures for Complications of Percutaneous Cryoablation of Liver Cancer

Moreover, the study has achieved encouraging clinical results, which increased the complete tumor ablation rate by 10.6%, reduced the local tumor recurrence rate by 30.3% in 5 years, and improved the 5-year survival rate by 16.6%.

Advantages of cryoablation in the treatment of hepatocellular carcinoma

Although cryoablation has distinct advantages over radiofrequency ablation (RFA), there is no RCT study in the past to directly compare the efficacy of ablation of liver cancer, especially the safety. Professor Yang Yongping’s team designed RCT study in five years to evaluate the efficacy and safety of percutaneous cryoablation and radiofrequency ablation of liver cancer. For the tumor, there were statistical differences in the local tumor progression rate between the two groups at 1, 2 and 3 years: 3%, 7% and 7% in the frozen group, respectively; The RF group was 9%, 11% and 11% respectively (P = 0.043). Subgroup analysis: For hepatocellular carcinoma with a diameter of > 3cm, cryoablation has a lower local tumor progression rate (cryoablation vs. RF: 7.7% vs. 18.2%, P=0.041). There was no statistical difference in the local tumor progression rate between 1-2cm (frozen vs. RF: 0% vs.2.4%, P=1.000) and 2.1-3.0cm (frozen vs. RF: 4.1%vs.7.1%, P=0.656). The results were published in Hepatology magazine and also in China.

Professor Yang Yongping’s team also confirmed that cryoablation of HCC can produce ectopic tumor inhibition, with the incidence of ectopic tumor inhibition of 6.3%, and the median survival time of patients with ectopic tumor inhibition was significantly prolonged. The mechanism is related to the down-regulation of PD-1/PD-L1 and regulatory T cells after ablation. In addition, argon-helium cryotherapy is effective for elderly HCC.

Unresolved problems in cryoablation of HCC

There are also many problems to be solved in the process of cryoablation for HCC in the future:

1. Does tumor cell ablation release specific tumor cell death signal?

2. How can freezing produce the best ratio of necrosis and apoptosis?

3. Are the cytokines released after freezing derived from tumor microenvironment or natural immune response, and what is their time sequence?

4. Will the functional essence and time sequence of antigen presenting cells that absorb necrotic tissue change after cryoablation?

5. What is the effect of cryoablation and absorption of necrotic tissue on the immunosuppressive function of the body? How to reduce the immunosuppression of the body?

Expert introduction

　

Professor Yang Yongping.

Chinese people’s liberation army general hospital No.5 medical center

Director, Department of Hepatology and Medicine, PLA General Hospital

Chief physician, professor, doctoral tutor

Silver Star of Science and Technology of the General Logistics Department, winner of special allowance of the State Council

Chairman of the Professional Committee of Liver Diseases of China Research Hospital Association

Director of China Hepatitis Foundation

Director of China Research Hospital Association

Vice Chairman of Liver Disease Professional Committee of Beijing Branch of Chinese Medical Association

Vice Chairman of Liver Disease Professional Committee of Beijing Society of Integrated Traditional Chinese and Western Medicine

Take the lead in the major special topics of the "Thirteenth Five-Year Plan and Twelfth Five-Year Plan" of the country, the key topics of the "Twelfth Five-Year Plan" of the army and the key topics of the Beijing Municipal Science and Technology Commission in integration of defense and civilian technologies; Won one national science and technology progress award, one first prize of Beijing science and technology progress award and six second prizes of military science and technology progress award.

Finishing/platform review/Professor Yang Yongping

This article is only for medical and health professionals to understand information, and does not represent the views of this platform. This information cannot replace professional medical guidance in any way, nor should it be regarded as medical advice. If the information is used for purposes other than understanding the information, the platform and the author shall not bear the relevant responsibilities.

　

Hang Zheng [2020] No.56

　

District and county (city) people’s governments, municipal government departments and directly affiliated units:

The measures for the basic medical security in Hangzhou are hereby printed and distributed to you, please follow them carefully.

Hangzhou Municipal People’s Government　　　

December 31, 2020　　　

　

Measures of Hangzhou Municipality on Basic Medical Security

　

Chapter I General Provisions

　

the first In order to further improve and perfect the basic medical security system in our city and safeguard the rights and interests of the insured, these measures are formulated according to the opinions and requirements of the Social Insurance Law of People’s Republic of China (PRC), the Regulations on Social Assistance in Zhejiang Province, and the national and provincial opinions and requirements on deepening the reform of the medical security system, combined with the actual situation in our city.

the second The basic medical security system adheres to the principles of universal coverage, overall planning of urban and rural areas, clear rights and responsibilities, fairness and moderation, multi-level sustainability, combination of fairness and efficiency, corresponding rights and obligations, and matching the level of security with the level of economic development.

Article Establish and improve a multi-level medical security system with basic medical insurance as the main body, serious illness insurance as the extension, medical assistance as the foundation, supplementary medical insurance, commercial health insurance and other common development. Specifically, it includes basic medical insurance for employees (hereinafter referred to as employee medical insurance), basic medical insurance for urban and rural residents (hereinafter referred to as urban and rural medical insurance), serious illness insurance and medical assistance system.

Article 4 These Measures shall apply to all employers and their employees, urban and rural residents, designated medical institutions for basic medical insurance, designated retail pharmacies (hereinafter referred to as designated medical institutions) and their regulatory agencies within the administrative area of Hangzhou.

Article 5 Hangzhou City [including Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Hangzhou High-tech Development Zone (Binjiang), Xiaoshan District, Yuhang District, Fuyang District, Lin ‘an District, Hangzhou Qiantang New District and Hangzhou West Lake Scenic Area], Tonglu County, Chun ‘an County and jiande city are respectively regarded as independent medical security management jurisdictions (hereinafter referred to as jurisdictions).

Article 6 People’s governments at all levels should incorporate medical security into the national economic and social development plan, implement laws, regulations, rules and policies on medical security, and provide organizational and financial support for medical security.

Article 7 The municipal medical security administrative department is in charge of the city’s basic medical security work. District and county (city) medical security administrative departments are responsible for the local basic medical security work, and medical security agencies at all levels (hereinafter referred to as medical insurance agencies) are responsible for the specific implementation.

Development and reform, economic and information, human resources and social security, agriculture and rural areas, health, civil affairs, finance, taxation, market supervision, education, auditing, public security, trade unions, disabled persons’ federations, veterans affairs, data resource management, statistics, women’s federations and other departments and units are responsible for medical security services and supervision and management within their respective functions and duties.

Article 8 In accordance with the principle of "policy, management, service, information and supervision", we will gradually implement the municipal overall planning of basic medical insurance. The city’s basic medical insurance fund shall be collected and accounted independently by each jurisdiction, and combined with the adjustment of management system, the city’s basic medical insurance fund shall be gradually realized.

Article 9 Each jurisdiction may, according to the local economic development level and the actual medical security, formulate regulations on medical treatment management in this jurisdiction in accordance with the requirements of county medical community construction and graded diagnosis and treatment.

Article 10 Establish and improve the social supervision organization of medical security, which is attended by representatives of government departments, insured persons, employers, trade unions and experts, analyze and master the operation of the medical security system, provide advice and suggestions on medical security work, and implement social supervision.

Chapter II Medical Insurance for Employees

　

Article 11 The following personnel within the administrative area of this Municipality shall participate in employee medical insurance within their respective jurisdictions:

(1) Employees of state organs, institutions, social organizations, various enterprises, private non-enterprises and individual industrial and commercial households (hereinafter referred to as employers) (including employers and employees, the same below);

(two) according to the relevant provisions of the one-time agreement to pay the basic medical insurance premium (hereinafter referred to as the co payment personnel);

(three) according to the provisions of these measures to enjoy the medical insurance retirement benefits of employees (hereinafter referred to as retirees);

(four) other personnel as prescribed by the state, province and city.

Article 12 Within the working age, the following urban and rural residents who are not employed by the employer can participate in the medical insurance for employees in this Municipality as flexible employees:

(a) the city’s household registration personnel can participate in the medical insurance for employees in the jurisdiction where the household registration belongs.

(2) Persons who are not registered in this Municipality, have terminated or terminated their labor relations with the employing unit, and the actual payment period of medical insurance for employees in this Municipality has accumulated for 10 years, and may participate in medical insurance for employees in their respective jurisdictions as required.

(three) other personnel as prescribed by the state, province and city.

Article 13 The employee medical insurance fee shall be paid by the employer and individual according to the following provisions:

(1) The employer takes the total wages of employees in the current month as the payment base (hereinafter referred to as the unit payment base), and pays the employee medical insurance (including maternity insurance) fee on a monthly basis, with the payment ratio of 9.9% (including the maternity insurance payment ratio of 0.4%).

When calculating the unit payment base, if the monthly salary of individual employees is higher than the average monthly salary of employees in all social units in Zhejiang Province last year (hereinafter referred to as the provincial flat salary), it shall be determined by 300% of the provincial flat salary last year; If it is less than 60%, it will be determined according to 60% of the provincial average wage in the previous year.

(2) On-the-job employees pay their medical insurance premiums at a rate of 2% based on their average monthly salary in the previous year, which is withheld and remitted by the employer on a monthly basis. If the average monthly salary of employees in the previous year is higher than the average wage in the previous year by 300%, the payment base shall be approved according to the average wage in the previous year; If it is less than 60%, the payment base shall be approved according to 60% of the provincial average wage in the previous year.

(three) in disabled soldiers, where the employees are retired for Grade 6 and above, individuals do not need to pay the employee medical insurance premium, and the employee medical insurance premium that the unit should pay is fully subsidized by the government.

(4) If an injured employee who is disabled at work and leaves the production post fails to terminate or terminate the labor relationship with the employer, the employer shall pay the employee’s medical insurance fee on a monthly basis based on the standard issued by his disability allowance until he receives the basic pension on a monthly basis; Workers with work-related injuries pay their medical insurance premiums at a rate of 2% based on their disability allowance, which is withheld and remitted by the employer on a monthly basis.

(five) 60% of the annual average wage of flexible employees is the payment base, and the employee medical insurance premium is paid monthly at the rate of 9.5%. Persons who hold the Certificate of Assistance and Support for Poor Persons, the Certificate of Minimum Living Security for Families, the Certificate of Minimum Living Security for Marginal Families, the Certificate of Basic Living Security for the Disabled or the People’s Republic of China (PRC) Disabled Persons’ Certificate of Grade II or above (hereinafter referred to as the holders) issued by the Civil Affairs and Disabled Persons’ Federation departments within the validity period shall be subsidized by the government for their employees’ medical insurance fees from the month when the medical insurance agency handles the registration formalities of relevant documents. Among them, those who hold the "Minimum Living Security Marginal Family Certificate" are subsidized by the government for half of the employee medical insurance premiums that individuals should pay, and other holders are fully subsidized by the government.

(six) during the period of receiving unemployment insurance benefits, the medical insurance premiums paid by the unemployed according to the payment standards of flexible employees shall be paid by the unemployment insurance fund.

(seven) the co-payment personnel shall pay the employee’s medical insurance fee in a lump sum when handling the co-payment procedures, and the specific standards shall be implemented in accordance with the relevant provisions of the municipal government.

During the period of re-employment, the employees’ medical insurance premiums shall be paid according to the standards of the employees.

According to the number of unemployed co-payers, the government subsidizes the employee medical insurance pooling fund according to the per capita standard of 2% of the provincial average wage in the previous year.

Article 14 Employers and individuals shall go through the formalities of insurance registration, alteration, cancellation and payment base declaration in a timely manner according to the regulations, and pay the medical insurance premiums of employees on time and in full.

Article 15 Persons who meet the conditions of insurance shall go through the formalities of insurance registration and payment declaration within 3 months after meeting the conditions, and enjoy the medical insurance benefits for employees from the next month after going through the formalities of insurance payment. Among them, the on-the-job employees shall be handled by the employer in a timely manner, and the employee medical insurance premium shall be paid as required.

The insured shall pay the employee’s medical insurance fee continuously until they enjoy the employee’s medical insurance retirement benefits. If the insured fails to pay the fee in the current month, the employee’s medical insurance benefits will be suspended from the next month. Unless otherwise specified, if retirees are suspended from medical insurance benefits for personal reasons, the medical expenses incurred during the suspension of medical insurance benefits will not be paid by the medical insurance fund.

Persons who receive unemployment insurance benefits shall enjoy medical insurance benefits for employees as required from the date of handling the medical insurance procedures for employees. The insured holder shall enjoy the relevant medical insurance benefits from the day when the medical insurance agency handles the registration formalities of relevant documents.

Article 16 Those who meet the conditions for participation in the insurance shall be deemed to have interrupted participation in the insurance if they fail to go through the procedures for participation in the insurance payment within the specified time period or continue to interrupt payment for 3 months or more. Interrupt the insured according to the following provisions:

(a) after the interruption of insurance for insurance procedures, should be continuous normal payment for 6 months, can enjoy medical insurance benefits for employees (hereinafter referred to as the waiting period). The medical expenses incurred during the interruption of insurance participation and the waiting period shall not be paid by the medical insurance fund.

(two) because the employer fails to handle the insurance registration formalities for the employees in time, which causes the employees to interrupt the insurance, the medical expenses incurred by the employees during the interruption of the insurance and the waiting period shall not be paid by the medical insurance fund.

If the employer fails to pay the employee’s medical insurance fee in accordance with the regulations after handling the insurance registration formalities for the employees, and all employees are interrupted to pay the fee, the employer shall repay it in accordance with the regulations; The employer shall, from the month following the full payment of the medical insurance premiums owed to employees, resume the medical insurance benefits of its employees, and the medical expenses incurred during the payment period shall not be paid by the medical insurance fund.

Article 17 The insured person may apply for the payment of the medical insurance premium of the employees during the insured period, according to the payment standards corresponding to different identities during the insured period, which shall be handled in accordance with the following provisions:

(a) to repay as an employee of the unit, the payment base of this year’s overdue period is determined according to my current payment base at the time of handling the overdue, and the payment base of previous years’ overdue period is determined according to the last year’s flat salary at the time of handling the overdue, and the payment ratio is 9.9% for the unit and 2% for the individual, and the starting time of overdue shall not be earlier than the time when my unit is included in the employee’s medical insurance coverage.

(2) If the payment is made as a flexible employee, it shall be implemented according to the payment standard of flexible employees at the time of payment, and the starting time of payment shall not be earlier than the year of payment procedures.

(three) the payment period is recorded as the actual payment period.

(four) the medical expenses incurred during the overdue period shall not be paid by the medical insurance fund.

(five) the medical insurance agency shall transfer the relevant funds corresponding to the payment according to the regulations; Replenish personal account funds and deduct serious illness insurance premiums that should be paid by individuals according to regulations.

Article 18 The following circumstances can be calculated as the employee’s medical insurance payment period, but not repeated calculation:

(a) the actual payment period of employee medical insurance.

(two) employee medical insurance is regarded as the payment period. In addition to the fixed number of years that employees’ medical insurance premiums should be paid according to the regulations, the basic old-age insurance for employees is calculated as the fixed number of years for employees’ medical insurance.

(three) before December 31, 2002 in line with the relevant provisions of the state and province of continuous service.

(four) the payment period for college students to participate in the medical insurance for urban and rural residents in Hangzhou (college students’ medical insurance).

(five) other years in accordance with the relevant provisions of the state and province.

Article 19 The actual payment period of medical insurance for employees in this Municipality includes the following three parts, but it is not repeated:

(a) the payment period of basic medical insurance for seriously ill employees in urban enterprises in this city;

(two) the actual payment period of participating in employee medical insurance in each jurisdiction of this Municipality and Zhejiang Province;

(three) the actual payment period of medical insurance in the army.

Article 20 When the insured person continues to pay the insurance premium in this city until he receives the basic pension or statutory retirement age on a monthly basis in this city, and the actual payment period of employee medical insurance in this city is over 10 years (inclusive), and the accumulated payment period of employee medical insurance is over 20 years (inclusive), he should enjoy the treatment of employee medical insurance retirees in accordance with the regulations after the medical insurance agency in the jurisdiction where he is insured handles the confirmation procedures of medical insurance retirement qualifications.

The following insured persons who fail to meet the requirements of the above-mentioned payment period and meet the requirements of laws, regulations and policies can choose to pay monthly or pay back the employee’s medical insurance premium for a specified period of time in the jurisdiction where they are insured, and enjoy the treatment of employees’ medical insurance retirees after going through the formalities for confirming their medical insurance retirement qualifications:

(a) the city’s household registration, continuous insurance payment in this city to receive basic pension or legal retirement age in this city on a monthly basis;

(2) Persons who are not registered in this Municipality, but who are employed by employers in this Municipality and who have continuously paid insurance premiums to the statutory retirement age, and who receive basic pensions on a monthly basis in this Municipality;

(three) people who are not registered in this city, but who have been continuously insured and paid to the statutory retirement age as flexible employees in this city.

Select the insured person who pays the employee’s medical insurance fee on a monthly basis, and the payment standard and medical insurance treatment shall be implemented according to the flexible employment standard in the same period; The insured person who chooses to pay the medical insurance premium for employees at one time shall be paid at the base of the last year’s provincial salary at the time of payment, and the payment rate shall be 9.5%. The medical insurance premium paid at one time shall not be included in the personal account. After choosing to pay the employee’s medical insurance premium at one time, it shall not be changed to pay the employee’s medical insurance premium on a monthly basis.

The certified personnel shall pay the required number of years on a monthly basis, and the part to be paid shall be subsidized by the government according to the regulations.

Article 21 Those who are not registered in this city, are not employed by employers in this city, and do not meet the insurance conditions for flexible employees in this city. After reaching the statutory retirement age, they will not enjoy the medical insurance retirement benefits for employees in this city.

Article 22 The personal account of the insured shall be established by the medical insurance agency in each jurisdiction according to the local conditions, and shall be uniformly managed according to the following provisions:

(1) Individual accounts shall be carried forward in a unified manner at the end of the settlement year, and the balance funds of individual accounts shall bear interest once according to the benchmark interest rate of bank demand deposits implemented on the day of carrying forward, and the interest generated shall be included in the funds of individual accounts over the years.

(two) when the annual carry-over, according to the category of personnel, age and the amount of payment or remittance, etc., the funds of the personal account for the next year are preset.

(III) For the newly insured or inter-annual renewal personnel within the year, the funds in their personal accounts in the current year are preset in the month when they go through the formalities of participating in (renewing) insurance, and the funds actually included are transferred from the employee’s medical insurance fee on a monthly basis from the month when the payment belongs.

(four) the balance of personal accounts in the current year, after the annual carry-over into the calendar year.

(5) If the insured person’s pre-set amount of funds in the current year is inconsistent with the actual amount of funds allocated in the current year due to cross-age and personnel category changes, adjustment of payment or debit amount, reimbursement of employee medical insurance fees, etc., the difference between the actual amount of funds allocated in the current year and the pre-set amount of funds in the current year will be included in the personal account of the following year when the annual transfer is made; The difference between the actual amount of funds transferred in the current year and the preset amount of funds in the current year is deducted from the current year’s funds in the personal account of the following year when the annual carry-over is made.

Article 23 The personal account funds of the insured are included in the following provisions:

(a) the funds in the personal account of employees in the current year are composed of two parts:

1. Employee medical insurance premiums paid by individuals.

2. Set the proportion by age group, and allocate the funds from the employee medical insurance fee on a monthly basis. Among them, urban insured persons under 45 years old (inclusive) are included in 0.5% of their base pay, and those over 45 years old before retirement are included in 0.8% of their base pay.

(two) the funds in the personal account of flexible employees in the current year shall be set according to the age group and included in the employee medical insurance fee on a monthly basis. Among them, those under 45 years old in urban areas are included in 0.5% of my base pay, and those over 45 years old before retirement are included in 0.8% of my base pay.

(III) The co-payment personnel shall pay 50% of the employee’s medical insurance premium in one lump sum when they go through the co-payment procedures, and transfer the funds from the employee’s medical insurance premium to their personal accounts in months during the co-payment period. If they are re-employed and participate in employee medical insurance, they will be included in their personal accounts for the current year.

(four) the funds of the retirees’ personal accounts in the current year shall be set according to the age group, and shall be included in the employee medical insurance fee on a monthly basis. Among them, the urban insured, I last year’s basic pension is lower than the previous year’s provincial average wage as the base, and I last year’s basic pension is higher than the previous year’s provincial average wage as the base. The proportion of debiting under 70 years old (inclusive) is 5.8%, and the proportion of debiting over 70 years old is 6.8%.

The personal account transfer standards in other jurisdictions can be implemented according to the original provisions before the national and provincial regulations on the reform of employee medical insurance personal accounts are clarified.

Article 24 The funds in the personal account in that year were used to pay the following expenses incurred by the insured:

(1) Medical expenses for general outpatient clinics (including emergency, the same below) that meet the scope of medical insurance expenses in designated medical institutions;

(2) Drug expenses that meet the scope of medical insurance expenses purchased at designated retail pharmacies;

(3) Expenses such as serious illness insurance premiums that should be paid by individuals.

Article 25 Personal account funds over the years can be used to pay the following expenses incurred by the insured:

(a) due to the need for diagnosis and treatment of diseases in designated medical institutions should be borne by individuals at their own expense, self-care, self-paid medical expenses;

(two) the use of preventive immunization vaccine fees in addition to the national expanded immunization program;

(three) the contract service fee for community responsible doctors that should be borne by individuals;

(four) other projects stipulated by the state and the province.

Article 26 The principal and interest of the personal account of the insured are owned by the individual, and can be transferred, liquidated and inherited according to the following provisions:

(a) after the termination or dissolution of the labor relationship between the insured and the employer, if the insured is insured in other overall plans, the transfer of the actual balance of funds in the personal account may be handled according to the regulations; Those who are not registered in this city and are not insured in other overall plans can handle personal account liquidation according to regulations.

(II) After the insured person is transferred from other insured places to the city, the actual balance of the personal account of the original insured place can be transferred to the city according to the regulations, and all of them will be included in the personal account funds over the years.

(III) If the insured transfers or liquidates his personal account for reasons such as the transfer of medical insurance, the cancellation of household registration after going abroad, death, etc., he must first settle the relevant medical expenses, and then transfer or return the actual balance of funds in his personal account according to regulations. Among them, if the personal account is overdrawn in the current year, it will be offset by the personal account funds over the years, and if the personal account funds are insufficient over the years, I will make up for it. The overdraft part of the personal account of the deceased in the current year shall be offset by the funds of the personal account over the years, and if the funds of the personal account are insufficient over the years, it shall be written off in the employee medical insurance pooling fund.

(four) personal account balance funds did not handle the transfer or liquidation procedures, once again to participate in the city’s medical insurance, can continue to use according to the provisions.

(five) after the death of the insured, the actual balance of funds in his personal account shall be handled by his legal heir or legatee at the medical insurance agency in accordance with the regulations.

(six) the personal account of the insured over the years, according to the provisions of the state and the province to help my close relatives (limited to spouses, children and parents) to participate in the basic medical insurance in this province. The mutual aid funds in accounts between the jurisdictions of this Municipality shall be liquidated regularly.

Article 27 In any of the following circumstances, the funds transferred to the personal account shall be stopped:

(1) Failing to pay or stop paying employee medical insurance premiums according to regulations;

(two) retirees have been stopped from issuing basic pensions;

(3) The insured person suspends or terminates medical insurance benefits due to sentence, death and other reasons;

(four) other circumstances stipulated by the administrative department of medical security.

Article 28 In a settlement year, the hospitalization medical expenses incurred by the insured in accordance with the scope of medical insurance expenses shall be settled according to the following provisions:

(1) The individual shall bear the medical expenses of one hospitalization Qifubiaozhun. For those hospitalized twice or more, the Qifubiaozhun shall be calculated according to the standard of the highest-level medical institution, specifically: tertiary and corresponding medical institutions (hereinafter referred to as tertiary medical institutions) in 800 yuan, other medical institutions (including secondary and corresponding medical institutions, the same below) in 500 yuan and community health service institutions in 300 yuan.

(two) the maximum hospitalization medical expenses paid by the employee medical insurance fund (based on the date of discharge, hereinafter referred to as the maximum hospitalization) is 400 thousand yuan.

(3) The hospitalization medical expenses above the hospitalization Qifubiaozhun and below the maximum hospitalization amount shall be shared by the employee medical insurance pooling fund and individuals. The employee medical insurance fund shall be settled according to the excess progressive system, and the specific proportion is:

1 hospitalization Qifubiaozhun above to 40 thousand yuan (inclusive), medical expenses incurred in tertiary medical institutions, 82% of employees, 86% of retirees; Medical expenses incurred in other medical institutions account for 84% of employees and 88% of retirees; The medical expenses incurred in community health service institutions account for 88% of employees and 92% of retirees.

24,000 yuan to 400,000 yuan (inclusive), medical expenses incurred in tertiary medical institutions, 88% of employees and 92% of retirees; Medical expenses incurred in other medical institutions, 90% of employees and 94% of retirees; Medical expenses incurred in community health service institutions account for 92% of employees and 96% of retirees.

Article 29 In a settlement year, the general outpatient medical expenses incurred by the insured in accordance with the scope of medical insurance expenses shall be settled according to the following provisions:

(a) first paid by the personal account in the current year, and if the personal account is insufficient to pay in the current year, the individual shall bear the medical expenses of an outpatient qifubiaozhun. Among them, the incumbent is 1000 yuan and the retiree is 300 yuan.

(2) The outpatient Qifubiaozhun of the year when the insured retires shall be calculated separately according to the actual months before and after medical insurance retirement, and then consolidated and determined. When the outpatient Qifubiaozhun actually paid by the individual in the year exceeds the payable part, the excess part will be included in his personal account over the years according to the proportion of 80%.

(3) The medical expenses above the outpatient Qifubiaozhun shall be shared by the employee medical insurance pooling fund and individuals, and the proportion borne by the employee medical insurance pooling fund is: 76% of the medical expenses incurred in tertiary medical institutions, and 82% of the employees and retirees; Medical expenses incurred in other medical institutions, 80% of employees and 86% of retirees; Medical expenses incurred in community health service institutions account for 86% of employees and 92% of retirees.

(four) the insured person who chooses the general practitioner to sign up for service, and who seeks medical treatment in the outpatient service of the contracted community health service institution, the proportion of the overall fund commitment shall be increased by 3 percentage points on the basis of the provisions of item (three) of this article.

(5) If the insured makes the first diagnosis in the contracted community health service institution, or is referred to other medical institutions for further treatment by the contracted community health service institution, the outpatient Qifubiaozhun shall be reduced or exempted in 300 yuan.

Chapter III Medical Insurance for Urban and Rural Residents

　

Article 30 Medical insurance for urban and rural residents is divided into children’s medical insurance, college students’ medical insurance and other urban and rural residents’ medical insurance:

(1) Children’s medical insurance coverage: children under the age of 18 who are registered in this Municipality, or students who have reached the age of 18 but are still studying in primary and secondary schools in this Municipality; Students who are not registered in this city, study in primary and secondary schools in this city, and one of their parents has participated in the medical insurance for employees in this city; Pre-school children (hereinafter referred to as children) who are not registered in this city, live in this city, and one of their parents has participated in the medical insurance for employees in this city and have paid a total of 3 years.

(II) College students’ medical insurance coverage: full-time undergraduate students, full-time graduate students and full-time students in technical colleges who have received general higher education in various full-time ordinary colleges and universities (including private colleges and universities) and scientific research institutes within the administrative area of Hangzhou (hereinafter referred to as college students).

(III) Coverage of medical insurance for other urban and rural residents: persons registered in this city and over 18 years old who have not participated in the basic medical insurance in this city or other places (hereinafter referred to as other urban and rural residents).

In addition to college students, people who meet the above conditions can participate in medical insurance for urban and rural residents in their respective jurisdictions. Among them, the city’s household registration should be insured in the jurisdiction where the household registration belongs, and those who are not registered in this city should be insured in the jurisdiction where they live.

Persons who are centrally adopted by social welfare institutions, children’s welfare institutions and other public welfare institutions within the administrative area of this Municipality (hereinafter referred to as adopters) shall be insured in their respective jurisdictions according to the above provisions.

Unless otherwise stipulated by the state, province and city, foreign students and foreign preschool children are not included in the scope of insurance.

Article 31 The financing standard of medical insurance for urban and rural residents is:

(1) Children’s medical insurance. 900 yuan per person per year, of which individuals pay 300 yuan and the government subsidizes 600 yuan.

(2) Medical insurance for college students. 270 yuan per person per year, of which individuals pay 90 yuan, and the financial subsidies at the same level are 180 yuan.

(three) other urban and rural residents’ medical insurance is divided into the following three financing standards:

1. The first grade of medical insurance for other urban and rural residents: 2,100 yuan per person per year, of which individuals pay 700 yuan and the government subsidizes 1,400 yuan.

2. Second grade medical insurance for other urban and rural residents: 1,800 yuan per person per year, of which individuals pay 600 yuan and the government subsidizes 1,200 yuan.

3. Third grade medical insurance for other urban and rural residents: 1,650 yuan per person per year, of which individuals pay 550 yuan and the government subsidizes 1,100 yuan.

Among them, other urban and rural residents can choose one or two files to pay for insurance; Other urban and rural residents in Tonglu County, Chun ‘an County and jiande city can choose to participate in the insurance within the grades approved by the local government.

Article 32 The medical insurance fee for urban and rural residents is raised annually, which consists of two parts: individual payment and financial subsidy. The amount of individual payment and the standard of government subsidy are not lower than the national and provincial regulations. The medical insurance fee for urban and rural residents that should be paid by the holder of the Minimum Living Security Marginal Family Certificate is subsidized by the government by half; Other certified personnel, adopters and entitled groups who enjoy regular pension subsidies should pay medical insurance fees in full by the government.

College students with certificates (including foreign household registration) shall enjoy government subsidies according to the provisions of the preceding paragraph, and the required funds shall be arranged by the finance at the same level according to the affiliation of colleges and universities.

Article 33 Establish a financing mechanism and a dynamic adjustment mechanism of financing standards that are compatible with the level of economic and social development and the affordability of all parties. In principle, the financing standard of medical insurance for urban and rural residents is adjusted every three years with an increase of not less than 10%, and the government subsidy standard and the proportion of individual contributions of urban and rural residents to the total financing are gradually increased. Specific by the municipal medical security, finance and taxation departments according to the city’s economic and social development level and fund operation research and approved by the municipal government to determine.

Article 34 Persons who meet the insurance conditions shall go through the insurance payment procedures in accordance with the regulations within 3 months after meeting the insurance conditions, and enjoy the medical insurance benefits for urban and rural residents in the remaining months of the settlement year from the next month after paying the medical insurance premiums for urban and rural residents. Among them, newborns who pay insurance within 3 months from the date of birth can enjoy the medical insurance benefits for urban and rural residents in the remaining months of the settlement year from the date of birth, but not earlier than the time when they meet the conditions for insurance.

Article 35 The insured shall go through the payment procedures for the next year’s participation (continuation) in accordance with the regulations. The specific starting and ending time of the participation (renewal) warranty period shall be subject to the announcement of the medical insurance agency in each jurisdiction in the current year. Insured persons enjoy medical insurance benefits for urban and rural residents in the settlement year to which the payment belongs.

Failing to go through the payment procedures for participation (renewal) within the specified time, it shall be regarded as interruption of participation. After the interruption of insurance, upon my own application, I can go through the payment procedures for participating (continuing) insurance in the current year, and I can enjoy the medical insurance benefits for urban and rural residents in the remaining months of the current year only after paying for 6 months.

Article 36 Children’s medical insurance and other urban and rural residents’ medical insurance insured persons can choose to pay medical insurance fees by banks or other means entrusted by the tax authorities after going through the insurance procedures.

Article 37 If the relevant information of the insured person changes, it shall go through the information change and confirmation procedures at the medical insurance agency in the jurisdiction in time.

Article 38 If a college student goes through the formalities of suspension from school due to illness or other reasons, he can continue to enjoy the medical insurance benefits for college students in accordance with the regulations during the suspension period.

If a college student is cancelled by a college, he/she will stop enjoying the medical insurance benefits for college students from the date when the college handles the cancellation procedures, and the medical insurance premiums paid by the individual for urban and rural residents will not be returned.

Article 39 In a settlement year, the hospitalization medical expenses incurred by the insured in accordance with the scope of medical insurance expenses shall be settled according to the following provisions:

(1) The individual shall bear the medical expenses of one hospitalization Qifubiaozhun. For those hospitalized twice or more, the Qifubiaozhun shall be calculated according to the standard of the highest medical institution, specifically: 800 yuan, a tertiary medical institution, 500 yuan, other medical institutions, and 300 yuan, a community health service institution.

(two) the maximum hospitalization limit for urban and rural residents’ medical insurance paid by the overall fund is 300 thousand yuan.

(three) the medical expenses above the hospitalization Qifubiaozhun and below the maximum hospitalization amount shall be shared by the overall fund and the individual. The proportion of the overall fund is 70% for tertiary medical institutions, 75% for other medical institutions and 80% for community health service institutions.

Article 40 In a settlement year, the general outpatient medical expenses incurred by the insured in accordance with the scope of medical insurance expenses shall be settled according to the following provisions:

(a) the individual shall bear the outpatient Qifubiaozhun in 300 yuan.

(two) outpatient Qifubiaozhun above part of the medical expenses, shared by the overall fund and individuals, of which the overall fund to bear the proportion of:

1. Children’s medical insurance, college students’ medical insurance and other urban and rural residents’ medical insurance: 40% for tertiary medical institutions, 60% for other medical institutions and 70% for community health service institutions.

2. Other urban and rural residents’ second-class medical insurance participants: 30% in tertiary medical institutions, 50% in other medical institutions and 60% in community health service institutions.

3. Other urban and rural residents with third-grade medical insurance: 30% in tertiary medical institutions, 40% in other medical institutions and 60% in community health service institutions.

(3) When the children’s medical insurance and other urban and rural residents’ medical insurance insured who choose to be contracted by general practitioners seek medical treatment in the outpatient department of the community health service institution that they signed, the proportion of the overall fund commitment will be increased by 3 percentage points on the basis of the provisions in Item (2) of this article.

Insured children and other urban and rural residents in the contracted community health service institutions for the first time, or by the contracted community health service institutions referred to other medical institutions to continue treatment, outpatient medical insurance Qifubiaozhun relief in 300 yuan.

(4) The proportion of outpatient reimbursement and Qifubiaozhun for the insured college students who voluntarily choose to seek medical treatment in the outpatient department of the medical institution in the school designated by medical insurance shall be implemented with reference to the provisions of Item (3) of this article.

Chapter IV Serious illness insurance

　

Article 41 All personnel who participate in the medical insurance for employees and urban and rural residents in this Municipality shall also participate in the serious illness insurance and pay the serious illness insurance premium. The serious illness insurance premium consists of individual payment, medical insurance fee transfer and government subsidy, which is used to establish a serious illness insurance fund.

The annual fund-raising standard for the employee medical insurance insured’s serious illness insurance is 100 yuan, in which the individual pays 48 yuan, and the employee medical insurance fee is transferred to 52 yuan, and the part that the individual should pay is withheld from his personal account in the current year; The insured person who chooses to pay a one-time payment should also pay the serious illness insurance premium. The annual financing standard of medical insurance for urban and rural residents is 90 yuan, in which individuals pay 40 yuan, and the government subsidizes 50 yuan each year, and the part that individuals should pay is transferred from the medical insurance premiums paid by them. The annual fund-raising standard for college students’ medical insurance participants’ serious illness insurance is 20 yuan, which is transferred from the medical insurance premiums paid by them for urban and rural residents.

Serious illness insurance premiums are raised on an annual basis, and the financing standards remain unchanged in the same settlement year. Medical security and finance departments can adjust the financing standards in a timely manner according to the operation of the serious illness insurance fund according to the prescribed procedures.

Article 42 The following medical expenses incurred by the insured that meet the scope of payment of serious illness insurance (hereinafter referred to as the compliance expenses of serious illness insurance) shall be shared by the serious illness insurance fund and individuals:

(1) Medical expenses for hospitalization and outpatient service of specified diseases that are above the maximum hospitalization limit and meet the scope of medical insurance expenses;

(two) below the maximum amount of hospitalization, hospitalization borne by individuals according to the proportion and out-patient medical expenses (including Qifubiaozhun);

(three) the cost of special drugs for serious illness insurance in Zhejiang Province;

(four) the expenses of rare disease drugs borne by individuals after enjoying the protection treatment of rare disease drugs in Zhejiang Province;

(five) other medical expenses stipulated by the state and the province.

Article 43 The drug security for rare diseases shall be coordinated at the provincial level, and the required funds shall be transferred from the serious illness insurance fund to the Zhejiang Province drug security fund for rare diseases. Insured persons are required to enjoy the unified treatment of rare diseases in the province.

Article 44 The starting and ending time of the insured’s serious illness insurance benefits is the same as that of the basic medical insurance benefits. In a settlement year, the major illness insurance compliance expenses incurred by the insured shall be settled according to the following provisions:

(1) The individual shall bear a minimum payment standard, specifically: 7,500 yuan for certified personnel, 13,000 yuan for retirees and 25,000 yuan for other insured personnel.

(two) the maximum payment limit of the serious illness insurance fund is 600 thousand yuan.

(3) The expenses above Qifubiaozhun and below the maximum payment limit shall be settled according to the excess progressive system, and the proportion borne by the serious illness insurance fund shall be:

1. Holders: 80% of the minimum payment standard is above 100,000 yuan (inclusive), 85% is between 100,000 yuan and 200,000 yuan (inclusive), 90% is between 200,000 yuan and 400,000 yuan (inclusive), and 95% is above 400,000 yuan.

2. Non-certified personnel:

Employees participating in medical insurance: the minimum payment is 75% above 100,000 yuan (inclusive), 80% between 100,000 yuan and 200,000 yuan (inclusive), 85% between 200,000 yuan and 400,000 yuan (inclusive), and 90% above 400,000 yuan.

Urban and rural residents’ medical insurance participants: 70% of the minimum payment standard is above 100,000 yuan (inclusive), 75% is between 100,000 yuan and 200,000 yuan (inclusive), and 80% is above 200,000 yuan.

Article 45 According to the actual medical security work in this city, the serious illness insurance can be managed by the medical insurance agency, or entrusted by a qualified third-party professional organization.

Chapter V Medical Assistance

　

Article 46 Medical assistance funds shall be arranged by the government of the jurisdiction according to regulations. Among them, the municipal financial arrangements for medical assistance funds, urban [limited to Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Hangzhou High-tech Development Zone (Binjiang), Fuyang District, Hangzhou Qiantang New District, Hangzhou West Lake Scenic Area] should be borne by the financial part, by the municipal finance and district finance in accordance with the actual expenditure of medical assistance funds, each bear 50%, and the part borne by each district in the current year will be settled through the urban financial system; Xiaoshan District, Yuhang District and Lin ‘an District shall undertake it by themselves according to the current financial system.

Article 47 The object of medical assistance is the certified personnel who participate in the medical insurance for employees or urban and rural residents in this Municipality, and other people with special difficulties as stipulated by the people’s governments at or above the county level.

Article 48 The sources of funds for medical assistance include:

(a) the government arranges a certain amount of funds every year;

(2) Funds raised through social donations and other forms;

(3) Interest income.

Article 49 Within a settlement year, the medical expenses incurred by the medical assistance object in the designated medical institutions that meet the scope of medical insurance expenses, after deducting the basic medical insurance, serious illness insurance and other Medicaid, are included in the scope of medical assistance, and assistance is provided according to the following standards:

(a) the holder of the "certificate of assistance and support for poor people", and his personal medical expenses for general outpatient service, hospitalization and prescribed disease outpatient service shall be fully rescued.

(two) the minimum living guarantee family card, the basic living guarantee card for the disabled and the second-level and above People’s Republic of China (PRC) Disabled Card holders, whose personal commitment to hospitalization and outpatient medical expenses for prescribed diseases is 70%; General outpatient medical assistance 50%, the maximum is not more than 3000 yuan.

(three) the holder of the "minimum living security marginal family card", whose personal commitment to hospitalization and outpatient medical assistance for prescribed diseases 60%.

Article 50 Medical assistance methods:

(1) Immediate assistance. The medical expenses incurred by the relief object when seeking medical treatment and purchasing medicines in the designated medical institutions with direct online settlement are in line with the provisions of these measures, and can directly enjoy medical assistance when the medical expenses are settled.

(2) assistance after the event. If the medical expenses that meet the standards of assistance are not provided with immediate assistance, the medical insurance agency shall provide medical assistance when applying for reimbursement.

Article 51 Medical assistance funds included in the financial accounts management, separate accounting, earmarking. Medical insurance agencies at all levels are specifically responsible for the audit and payment of medical assistance funds.

Article 52 The information of certified personnel shall be provided by the civil affairs department and the Disabled Persons’ Federation department, and the data shall be timely and accurately shared with the medical insurance agency through the information platform, and the certified personnel shall enjoy medical assistance from the date when the medical insurance agency handles the registration formalities of relevant documents.

Article 53 Established by the municipal administrative department of medical security led, civil affairs, finance, health, trade unions and other departments to participate in the joint meeting system of medical assistance in the city, to study and solve the special situation and major issues in the medical assistance work in the city, the office is located in the municipal administrative department of medical security. All districts and counties (cities) can establish corresponding medical assistance mechanisms.

For those who have been given medical assistance or other kinds of assistance, there are still serious difficulties in seeking medical treatment, or those who have suffered from serious chronic diseases or major diseases and have encountered other sudden difficulties in seeking medical treatment, they can apply by individuals, and the medical insurance agency will review and report, and then give some assistance after the joint meeting of medical assistance has agreed to study.

Chapter VI Maternity Insurance

　

Article 54 In accordance with the relevant provisions of the state and province, maternity insurance and employee medical insurance are combined. The employees of the employing units within the administrative area of Hangzhou shall participate in maternity insurance at the same time when participating in employee medical insurance.

Article 55 Maternity insurance benefits include:

(1) Maternity allowance;

(2) Maternity medical expenses;

(three) family planning operation allowance;

(four) family planning medical expenses.

Article 56 Workers who enjoy maternity allowance and family planning operation allowance shall meet the following conditions at the same time:

(a) in line with the provisions of national, provincial and municipal conditions of birth or the implementation of family planning surgery;

(II) When an employee is undergoing a fertility or family planning operation, the employer has gone through the insurance registration formalities in this Municipality in accordance with the regulations, and paid the premium continuously (excluding the overdue payment) for 12 months.

Article 57 If a female worker meets the requirements of childbirth or family planning operation, the maternity medical expenses and family planning medical expenses shall be settled according to the provisions of employee medical insurance.

In accordance with the provisions of the state to participate in the basic medical insurance for unemployed spouses, flexible employees and urban and rural residents insured, their compliance with the provisions of the maternity medical expenses and family planning medical expenses into the basic medical insurance fund payment.

Article 58 The formula for calculating and distributing maternity allowance or family planning operation allowance for female employees is: accrued allowance = average monthly salary of employees of the employer in the previous year at the time of maternity or family planning operation ÷30× accrued days.

The average monthly salary of the employees of the employing unit in the previous year shall be determined by the medical insurance agency according to the total annual average monthly salary of the insured employees of the employing unit in December of last year divided by the corresponding number. The average monthly salary of employees in the newly established employer in the previous year was calculated by the medical insurance agency according to the average monthly salary of employees insured by the employer.

Article 59 The accrued days of maternity allowance and family planning operation allowance shall be implemented according to the following provisions:

(1) Maternity allowance:

In accordance with the provisions of the "Regulations on Population and Family Planning in Zhejiang Province", the maternity allowance is paid according to 128 days of maternity leave (including 30 days of incentive leave); In case of dystocia, maternity leave will be increased by 15 days; In case of multiple births, the maternity leave will be increased by 15 days for each additional baby.

Female employees who have miscarried after less than 4 months of pregnancy are entitled to maternity leave for 15 days; If you have a miscarriage after 4 months of pregnancy, you will enjoy maternity leave for 42 days.

(two) family planning operation allowance:

1. Placement of IUD is counted as 2 days;

2. Take the IUD for 1 day;

3. vasectomy is counted as 7 days;

4. Simple tubal ligation is counted as 21 days;

5. Postpartum tubal ligation is counted as 14 days.

Article 60 Maternity allowance and family planning operation allowance shall be applied to the medical insurance agency in the area by the employer before the end of the following year after delivery or operation. After the audit, the medical insurance agency will allocate it to the employer where the employee is located, and the employer will issue it to the employee in accordance with the relevant provisions of the Measures for Labor Protection of Female Employees in Zhejiang Province and the maternity insurance treatment items and standards stipulated in these Measures.

Chapter VII Management of Medical Settlement

　

Article 61 The unified implementation of the national and provincial basic medical insurance, industrial injury insurance and maternity insurance drug list, provincial basic medical insurance medical services, serious illness insurance special drug list and other relevant provisions of the state and province.

The municipal medical insurance agency is responsible for the maintenance and management of the catalogue according to the regulations. The designated medical institutions shall, according to the requirements of medical insurance agencies, do a good job in maintaining and updating the drug list, medical service items and disease names of their own units in a timely manner.

Article 62 Insured persons shall apply for medical insurance vouchers according to national, provincial and municipal regulations (including electronic certificate, the same below), and seek medical treatment and purchase medicines in designated medical institutions under their jurisdiction with valid medical vouchers. Designated medical institutions should be calibrated according to regulations, and truthfully record the diagnosis and treatment and drug distribution.

Article 63 Designated medical institutions should choose safe, effective and reasonably priced drugs for the insured, and master the dosage according to the condition and the following prescription management principles: the dosage of acute diseases should not exceed 3 days; Generally, the dosage of chronic diseases does not exceed 15 days; Diseases included in the outpatient management of diseases and chronic diseases stipulated by our city, as well as other long-term chronic diseases and hospitalized patients who need to take therapeutic drugs when they leave the hospital, do not exceed 1 month’s dosage.

Encourage the insured to see a doctor in primary medical institutions. According to the needs of the management of chronic diseases of the insured, the contracted doctors can appropriately relax the time limit for dispensing prescriptions for chronic diseases of the insured under the premise of ensuring safe medication, and can extend the dosage of medical insurance for chronic diseases to 12 weeks at most.

Article 64 Unless otherwise stipulated in the jurisdiction, the settlement of medical expenses shall be carried out in accordance with the following provisions:

(1) If the insured needs to use Class B drugs in the list of basic medical insurance drugs and Class B items in the list of medical service items due to illness, a certain proportion of expenses shall be borne by the individual first, and then included in the scope of medical insurance expenses. The specific proportion of individual commitment shall be implemented according to the provisions of the administrative department of medical security in Zhejiang Province.

(II) When it is really necessary for the insured to use drugs and medical services with a prescribed course of treatment and variety and quantity due to illness, the relevant expenses can be included in the scope of medical insurance expenses only after going through the filing formalities in the designated medical institutions for medical treatment or the medical insurance agencies under their jurisdiction.

(three) if the insured person really needs to be diagnosed and treated in the designated medical institutions outside the jurisdiction, the insured person shall go through the relevant filing procedures according to the provisions of the jurisdiction. The medical expenses incurred by self-treatment without filing shall be borne by the individual at first, and then settled according to the regulations of the jurisdiction.

(4) If the medical expenses incurred by the insured in the designated retail pharmacies in this Municipality or in the ambulance due to emergency and rescue meet the scope of medical insurance expenses, they shall be settled according to the proportion of the general outpatient service of other medical institutions.

(5) Insured persons can purchase medicines from the designated medical insurance retail pharmacies with the external prescriptions issued by medical practitioners in designated medical institutions and filed in the information system. The designated retail pharmacies should check the information of prescription filing, adjust medicines and settle expenses according to regulations.

(six) the settlement of hospitalization medical expenses of the insured person adopts the discharge settlement system, and the medical insurance benefits can be implemented according to the provisions of insurance coverage when the medical expenses are settled, and the medical expenses incurred during the interruption of treatment are not included in the scope of medical insurance expenses. Insured persons who have been hospitalized for one year (365 days) shall be settled once.

During the hospitalization of the insured, the general outpatient expenses shall not be reimbursed. If it is really necessary for outpatient treatment in other local designated medical institutions due to illness, it shall be subject to the consent of the local inpatient medical institution before going to other designated medical institutions for treatment. The medical expenses that meet the scope of medical insurance expenses shall be borne by the individual at first, and then included in the original hospitalization medical expenses according to the regulations.

(seven) the insured shall not be forced to ask for hospitalization or refuse to leave the hospital. Do not meet the hospitalization conditions and forced hospitalization, the medical expenses incurred are not included in the scope of medical insurance expenditure; Those who meet the discharge conditions and refuse to leave the hospital will stop accounting after issuing the discharge notice in the relevant designated medical institutions, and the medical expenses incurred will not be included in the scope of medical insurance expenses.

(eight) the holder can see a doctor in the relevant Huimin hospital, and enjoy the medical fee reduction and exemption treatment according to the relevant provisions.

(9) If the insured fails to settle the medical expenses in the designated medical institutions according to the provisions of medical insurance due to reasons other than his own, and it conforms to the relevant policies of medical and health services, he can go to the designated medical institutions with the original cost settlement to go through the procedures for re-settlement of medical expenses according to the provisions, and all designated medical institutions should support and cooperate according to the relevant provisions.

(ten) if the insured has abnormal medical treatment, during the investigation and handling, the medical insurance agency may limit the scope and quantity of the designated medical institutions for medical treatment settlement, or change the medical insurance settlement method.

Article 65 In the designated medical institutions directly connected to the network (including designated medical institutions for medical treatment in different provinces and provinces), the medical expenses and drug purchase fees paid by the insured individuals shall be settled by the insured directly with the designated medical institutions according to the regulations; The medical expenses that should be paid by the medical insurance fund shall be settled by the designated medical institutions and medical insurance agencies according to the regulations.

The medical expenses that should be paid by the medical insurance fund in the designated medical institutions that are not directly connected to the network, or the medical expenses that cannot be settled in the designated medical institutions that are directly connected to the network due to emergency and medical insurance network failure, shall be paid in full by the insured before the end of the next settlement year to the medical insurance agency in the jurisdiction according to the regulations.

If the insured is treated in an emergency in a non-designated medical institution, after the treatment, the medical expenses shall be settled by the medical insurance agency in the jurisdiction with the emergency certificate. Medical expenses incurred by non-emergency treatment in non-designated medical institutions at the place of medical treatment shall not be paid by the medical insurance fund.

Article 66 Insured persons suffering from chronic diseases who need to carry drugs for continuous treatment during going abroad (border) shall go through the filing formalities according to regulations. Designated medical institutions can determine the dosage according to the time limit for going abroad (border), but it shall not exceed 6 months at most. During the period of going abroad, the settlement of medical expenses of the insured person shall be suspended.

If the personnel going abroad (border) return to Hangzhou in advance during the filing period, they should go through the cancellation procedures for filing abroad (border) in time. After going abroad (territory) personnel return to China, the expenses of temporary diseases that occurred before going abroad (territory) for filing and cancellation procedures are paid in full by individuals, and the expenses that meet the scope of medical insurance expenses are settled according to regulations after 10% of the expenses are taken care of by individuals.

Article 67 Establish a record system for permanent residence in other places. The settlement of medical treatment for insured persons living in other places shall be implemented in accordance with the following provisions:

(a) the insured who has lived in the field for more than 3 months shall go through the formalities for filing the permanent residence in the field according to the regulations. Among them, flexible employees who are not registered in this city, employers of individual industrial and commercial households and their employees, children and children will not go through the formalities for filing permanent residence in other places.

(II) The medical expenses incurred by the insured in the designated medical institutions in the long-term residence after going through the filing procedures for long-term residence in other places can be directly settled through the provincial and inter-provincial medical treatment platforms. If it is really impossible to settle directly, the medical insurance agency in the jurisdiction shall settle in accordance with the regulations after being paid in full by the individual.

(three) the insured who has gone through the formalities of filing for permanent residence in other places shall not cancel the filing formalities until 3 months after the filing takes effect. After the entry into force of the filing procedures for permanent residence of the insured, if the insured temporarily returns to the jurisdiction and needs general outpatient service or medicine purchase due to illness, he shall go through the formalities for temporary medical treatment and medicine purchase in the jurisdiction. If the formalities are not completed in time, the temporary disease expenses that meet the scope of medical insurance expenses shall be implemented in accordance with the relevant provisions of Article 69 of these Measures for the insured who temporarily leaves the permanent residence for medical reimbursement.

Article 68 Insured persons suffering from difficult diseases can not be diagnosed after examination by the city’s tertiary and corresponding designated medical institutions, or there are no treatment conditions after diagnosis, and the designated medical institutions can put forward suggestions for diagnosis and treatment, and after filing according to regulations, they will go to the corresponding designated medical institutions outside the province for medical treatment and settle accounts according to regulations. Among them, the insured persons who live in the field for a long time should be referred by the local three-level designated medical institutions before they can be transferred to the designated medical institutions outside the province or municipality directly under the Central Government where they live for medical treatment and settled according to the regulations.

If the insured person swipes the card for settlement in the designated medical institution for medical treatment in different places across the province where the record is filed, it shall be settled according to the relevant provisions of the state, and if it fails to be settled by credit card, it shall be paid in full by the individual to the medical insurance agency in the jurisdiction according to the provisions. In other designated medical institutions for the record, the medical expenses that meet the scope of medical insurance expenses shall be settled by the individual after taking care of 10%.

Article 69 Unless otherwise stipulated in the jurisdiction, the medical settlement during the temporary outing of the insured shall be implemented in accordance with the following provisions:

(a) the medical expenses incurred in the designated medical institutions in the province that meet the scope of medical insurance expenses shall, in principle, be treated in the designated medical institutions in different places in the province with my medical certificate and settled according to the regulations; The medical expenses that cannot be directly settled shall be paid in full by the individual to the medical insurance agency in the jurisdiction for reimbursement, and the expenses that meet the scope of medical insurance expenses shall be settled by the individual after taking care of themselves for 10% first.

The medical expenses incurred by the insured persons who live in other places temporarily leave their permanent residence and seek medical treatment in designated medical institutions in other parts of the province where their permanent residence is located shall be paid in full by the individual to the medical insurance agency for reimbursement, and the expenses that meet the scope of medical insurance expenses shall be settled by the individual after taking care of themselves for 10% first.

(II) During the temporary absence of the insured, the medical expenses incurred in the medical treatment in the designated medical institutions outside the province shall be paid in full by the individual to the medical insurance agency for reimbursement, and the expenses that meet the scope of medical insurance expenses shall be settled by the individual after taking care of himself for 20% first.

The medical expenses incurred by the insured persons who live in other places temporarily leave their permanent residence and go to designated medical institutions in other provinces and municipalities directly under the Central Government shall be paid in full by the individual and applied to the medical insurance agency for reimbursement. The expenses that meet the scope of medical insurance expenses shall be settled by the individual after taking care of themselves for 20%.

(III) College students can seek medical treatment in designated medical institutions in their relevant places of residence and practice during the winter and summer vacations, when they drop out of school due to illness, or during the internship period in accordance with the regulations of colleges and universities. The medical expenses incurred can be directly settled in local designated medical institutions by virtue of their medical treatment vouchers, or they can be paid in full by individuals to medical insurance agencies in accordance with the regulations.

Article 70 The prescribed diseases refer to various malignant tumors, systemic lupus erythematosus, hemophilia, aplastic anemia, childhood autism, schizophrenia, affective psychosis, AIDS and multidrug-resistant tuberculosis. Dialysis treatment of chronic renal failure and anti-rejection treatment after organ transplantation are included in the management scope of prescribed diseases. The scope of the prescribed diseases can be adjusted by the municipal medical security administrative department according to the actual situation, and promulgated and implemented after being approved by the municipal government. The medical security department should strengthen the supervision and management of prescribed diseases, and the specific measures shall be formulated separately.

The provisions of the insured medical treatment settlement according to the following provisions:

(a) patients with AIDS and MDR-TB are centrally accepted by the health departments in each jurisdiction, unified to the medical insurance agencies in the jurisdiction for filing procedures, and designated medical care is implemented.

(two) the insured with other prescribed diseases can handle the filing formalities according to the provisions with the relevant materials issued by the designated medical institutions at or above the second level in this Municipality. Among them, those who suffer from diseases such as schizophrenia, affective psychosis and childhood autism must hold relevant medical certificates issued by corresponding specialists in corresponding specialized hospitals or tertiary medical institutions.

(three) the establishment of outpatient medical security mechanism. The insured can enjoy the relevant treatment only after going through the prescribed disease filing procedures. In a settlement year, the outpatient medical expenses for the specified diseases of the insured shall be settled according to the hospitalization medical expenses, but there is no hospitalization Qifubiaozhun.

Article 71 Except as otherwise provided by the national, provincial and municipal medical insurance policies, the medical expenses incurred by the insured due to the following circumstances are not included in the payment scope of the medical insurance fund:

(a) outside the list of basic medical insurance drugs, the scope of medical services and the list of special drugs for serious illness insurance stipulated by the state and province;

(2) seeking medical treatment abroad;

(3) It shall be borne by a third party;

(four) shall be paid from the industrial injury insurance fund;

(five) should be borne by public health;

(six) other violations of the provisions of the basic medical security policy.

The medical expenses that should be borne by the third person according to law, but the third person fails to pay or cannot determine the third person, shall be paid in advance by the medical insurance fund. After paying in advance, the medical insurance agency has the right to recover from the third party.

Article 72 Insured persons who participate in basic medical insurance and commercial insurance at the same time shall settle accounts in advance according to the provisions of basic medical insurance. If commercial insurance is paid first, the paid medical expenses will be deducted at the time of medical insurance settlement.

Chapter VIII Public Management Services

　

Article 73 Persons who meet the conditions of insurance can only participate in one kind of basic medical insurance in the same period, but different types of insurance can be converted according to regulations, and the medical insurance premiums paid before the conversion will not be liquidated.

Insurance conversion refers to the insured changing the insurance coverage of employees’ medical insurance or urban and rural residents’ medical insurance for personal reasons, which shall be handled in accordance with the following provisions:

(a) other urban and rural residents during the medical insurance period, to participate in employee medical insurance as a flexible employee, continue to enjoy the medical insurance benefits of other urban and rural residents within 6 months of the normal payment of employee medical insurance, and enjoy the medical insurance benefits of employees after 6 months.

(two) to participate in the medical insurance for employees as flexible employees, and to participate in other urban and rural residents’ medical insurance, the insured month will continue to enjoy the medical insurance benefits for employees, and the next month will enjoy the medical insurance benefits for other urban and rural residents. If you want to participate in employee medical insurance again within 3 months, you can pay the employee medical insurance fee during this period, and enjoy the employee medical insurance benefits from the month after the payment.

(3) If the insured person changes insurance coverage after the original insurance coverage has been suspended for 3 months (inclusive), it shall be deemed that the insurance coverage has been interrupted, and the insured person shall enjoy the medical insurance treatment corresponding to the new insurance coverage after the new insurance coverage has been paid normally for 6 months.

After the natural termination of medical insurance benefits for urban and rural residents, those who continue to participate in employee medical insurance will still enjoy the medical insurance benefits for urban and rural residents who were originally insured in the same month and enjoy the medical insurance benefits for employees from the next month. After the natural termination of medical insurance benefits for urban and rural residents, those who continue to participate in medical insurance for urban and rural residents will enjoy the medical insurance benefits for newly insured urban and rural residents from the month of enrollment.

Article 74 The insured person who switches insurance types shall bear the outpatient Qifubiaozhun amount in a settlement year, which shall be determined according to the outpatient Qifubiaozhun corresponding to the medical insurance benefits he enjoys. If the amount of outpatient Qifubiaozhun that has been undertaken exceeds the converted insurance standard, it will not be liquidated.

Article 75 Insured persons who switch insurance types shall, when settling expenses in designated medical institutions, co-ordinate the fund allocation channels according to the provisions of the corresponding insurance types when enjoying treatment.

Article 76 If the insured person flows across the overall plan for employment, the transfer and connection procedures may be handled in accordance with the following provisions:

(1) A person who meets one of the following conditions may, when participating in employee medical insurance in this city, apply to the medical insurance agency in the jurisdiction for the transfer of medical insurance relationship, and transfer the payment period of employee medical insurance in the original insured place to the corresponding jurisdiction according to regulations:

1. Household registration personnel in this Municipality;

2. Non-local registered personnel, male under 50 years old and female under 40 years old;

3. Non-local household registration personnel have participated in the actual payment period of employee medical insurance in this city for a total of 10 years;

4. Personnel who are normally transferred with the approval of the organization department at or above the county level;

5 other personnel who meet the requirements of the state, province and city.

(two) the original insured employee medical insurance payment period can be calculated in accordance with the provisions of the cumulative transfer procedures to the month, but not with the actual payment period of employee medical insurance in this city.

(three) if the insured person flows across the city for employment, the city’s medical insurance should be suspended, and the employee’s medical insurance payment period should be transferred according to the regulations. Among them, if the insured fails to pay the employee’s medical insurance fee before the transfer of the medical insurance relationship, the transfer formalities can be handled only after the payment is made.

(four) the medical insurance relationship will not be transferred to those who have enjoyed the retirement benefits of medical insurance for employees.

Article 77 In accordance with the provisions of the transfer of medical insurance for urban and rural residents in other places who are transferred to the city to participate in employee medical insurance, they must continue to pay for 6 months before they can enjoy the medical insurance benefits for employees, and enjoy the medical insurance benefits for other urban and rural residents in the highest grade within their jurisdiction during the waiting period.

Article 78 Insured persons who have not gone through the medical insurance transfer and connection procedures, or have gone through the medical insurance transfer and connection procedures, but have not participated in the medical insurance for employees in other overall plans for 12 months before joining the insurance in this city, shall enjoy the medical insurance benefits for employees after they have paid the fees continuously for 6 months in this city.

Article 79 Non-local household registration personnel who are not employed by employers in this Municipality and do not meet the conditions for the participation of flexible employees should go through the formalities for transferring the medical insurance relationship in time.

Article 80 If the medical insurance relationship is transferred from outside the city, the outpatient and inpatient Qifubiaozhun and medical expenses paid in the original insured place will not be calculated cumulatively.

Before the actual medical insurance municipal co-ordination, if the insured area is converted within the city, the outpatient and inpatient Qifubiaozhun and medical expenses paid in the original insured area will not be calculated cumulatively.

Article 81 　Medical insurance agencies should establish and improve the corresponding business, finance, safety and risk management systems, and pay medical insurance benefits in full and on time.

Article 82 Medical insurance agencies can set up branches and service outlets within their jurisdiction according to the needs of their work, and provide efficient and convenient medical security public management services for employers and insured persons in accordance with the requirements of "running at most once" reform and government digital transformation; In accordance with the relevant provisions of medical insurance business file management, establish medical insurance files for employers and insured persons, completely and accurately record the personal information, payment and treatment enjoyment of insured persons and other medical insurance data, and properly keep the original vouchers for registration and declaration and accounting vouchers for payment and settlement.

Article 83 Employers and insured persons can handle medical security services through the information platform provided by the medical security department, inquire and check the records of their participation in insurance and medical security benefits, or require medical insurance agencies to provide medical security policy consultation and other related services.

Article 84 Medical insurance agencies for business handling, statistics, investigation and other needs, require relevant units and individuals to provide relevant medical insurance information, the relevant units and individuals shall provide timely and truthfully.

Medical insurance agencies and their staff shall keep the information of employers and individuals confidential according to law, and the information of employers’ business secrets, personal rights and interests, informants and complainants shall not be disclosed to others illegally.

Article 85 The medical insurance agency shall regularly announce to the public the operation of the medical insurance system and the income, expenditure and balance of the medical insurance fund.

Chapter IX Management of Medical Services

　

Article 86 The medical security department shall determine the scale and layout of designated medical institutions according to the operation of the medical insurance system and the balance of fund income and expenditure, combined with factors such as the allocation of regional medical and health resources and the medical needs of the insured, and the specific measures shall be formulated separately.

Article 87 Designated medical institutions implement agreement management. Eligible medical institutions apply voluntarily, and after the examination and evaluation by the medical security department and the signing of an agreement with the medical insurance agency, they provide medical services for the insured according to the principle of "treatment due to illness, reasonable examination, rational drug use and reasonable treatment", and implement the medical insurance payment policy, price policy and centralized procurement policy in accordance with the regulations.

Article 88 Unify the text of medical insurance agreement and the management operation process of medical insurance agreement in designated medical institutions in the city, and realize standardized and standardized management. Medical insurance agencies and designated medical institutions shall perform their respective rights and responsibilities according to the contents of the agreement. Any party who violates the service agreement shall bear the liability for breach of contract and deal with it according to the agreement.

Designated medical institutions suspected of violating the rules, during the investigation and handling, the medical insurance agency may suspend its settlement function or suspend the allocation of medical expenses.

Article 89 Medical security departments at all levels should do a good job in organizing the formulation and implementation of payment standards and charging policies for drugs, medical consumables and medical services in accordance with the prescribed authority, and establish a dynamic adjustment mechanism for medical service prices and a monitoring and information release system for medical service prices.

Article 90 Each jurisdiction should follow the principle of "fixed income and expenditure, balance income and expenditure, and have a slight balance", improve and perfect the multiple compound payment methods that combine DRGs point method, bed-based payment, head-to-head payment and project-based payment under the total budget management, effectively strengthen the management of medical expense settlement, and improve and improve the cost assessment and evaluation mechanism of designated medical institutions. The assessment results should be linked to the medical quality and performance of the agreement.

Article 91 Medical service practitioners in designated medical institutions shall provide scientific, standardized and reasonable medical services according to the needs of patients’ illness, strictly fulfill the contents of service agreements and abide by relevant regulations.

Article 92 Medical insurance agencies may set up medical insurance expert advisory committees, which are responsible for participating in professional consultation on difficult medical insurance issues and fixed-point evaluation of medical institutions. The working funds of the medical insurance expert advisory Committee are included in the budget of the medical security department.

Chapter X Fund Supervision and Management

Article 93 The sources of medical insurance fund include contributions from employers and individuals, government subsidies, deposit interest of the fund, donations from citizens, legal persons and other organizations and other income.

Article 94 Employees’ medical insurance premiums, urban and rural residents’ medical insurance premiums and serious illness insurance premiums shall be collected by the tax authorities, and the information on fee collection shall be provided to the medical security department and the financial department on a regular basis. Township people’s governments, sub-district offices and institutions of higher learning in Hangzhou should actively assist in the collection of medical insurance fees, and human resources and social security departments should cooperate with the unemployed to pay medical insurance fees according to regulations.

Article 95 The medical insurance fund shall be subject to budget management, incorporated into the financial special account, managed by two lines of revenue and expenditure, and earmarked for special purposes. No organization or individual may misappropriate, and the government shall give subsidies according to the operation of the medical insurance fund, specifically in accordance with the following provisions:

(a) when there is a deficit in the employee medical insurance fund in each jurisdiction, it shall be paid by the balance of the employee medical insurance fund in each jurisdiction over the years, and the insufficient part shall be shared by the financial and municipal employee medical insurance risk adjustment funds in each jurisdiction. Among them, the part of Hangzhou urban area [limited to Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Hangzhou High-tech Development Zone (Binjiang), Hangzhou Qiantang New District and Hangzhou West Lake Scenic Area] that should be borne by the finance shall be borne by the municipal finance and the district finance, 50% respectively; Xiaoshan District, Yuhang District, Fuyang District and Lin ‘an District shall bear their own responsibilities according to the current financial system.

(two) the area of urban and rural residents’ medical insurance fund (excluding college students’ medical insurance fund) deficit, first by the area of urban and rural residents’ medical insurance fund balance payment over the years, the insufficient part shall be borne by the jurisdiction of the financial. Among them, the part of Hangzhou urban area [limited to Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Hangzhou High-tech Development Zone (Binjiang), Hangzhou Qiantang New District and Hangzhou West Lake Scenic Area] that should be borne by the finance shall be borne by the municipal finance and the district finance respectively in proportion to the number of insured persons; Xiaoshan District, Yuhang District, Fuyang District and Lin ‘an District shall bear their own responsibilities according to the current financial system.

When there is a deficit in college students’ medical insurance fund, it shall be paid by the balance of college students’ medical insurance fund over the years, and the insufficient part shall be borne by the finance at the same level of colleges and universities according to the proportion of the number of participants in each college.

(three) when there is a deficit in the serious illness insurance fund, it shall be paid by the balance of the serious illness insurance fund in each jurisdiction over the years, and the insufficient part shall be borne by the finance of each jurisdiction.

Medical insurance agencies at all levels should do a good job in accounting and financial statistical analysis of medical insurance funds, establish corresponding financial management systems, and implement separate accounting for various medical insurance funds for special purposes.

Article 96 The municipal administrative department of medical security, the financial department and the auditing organ shall, in accordance with their respective duties, supervise, inspect and audit the income and expenditure, management and investment operation of the medical insurance fund. The bank interest of the medical insurance fund shall be calculated in accordance with the relevant provisions of the state.

Article 97 The establishment of municipal medical insurance risk adjustment system, the specific measures shall be formulated separately.

Article 98 The administrative department of medical security should formulate and improve the relevant regulations on the supervision of medical insurance funds, and standardize the supervision authority, procedures and punishment standards.

Establish a medical security credit system, and implement joint incentives for trustworthiness and joint punishment for dishonesty.

Article 99 The administrative department of medical security should establish a normal mechanism of supervision and inspection, and implement real-time dynamic intelligent supervision of big data. Gradually establish a medical insurance fund performance evaluation system, improve the evaluation mechanism of medical services, and implement performance management throughout the fund operation.

Article 100 Medical security departments at all levels shall, in conjunction with health, market supervision, public security and other departments, implement cross-departmental collaborative supervision and strengthen supervision, inspection and assessment of designated medical institutions. Actively introduce third-party supervision forces, strengthen social supervision, improve the reward system for fraudulent insurance reporting, and maintain the safe operation of medical insurance funds.

Article 101 Medical insurance agencies should implement effective supervision and implement the responsibility of agreement management, cost monitoring, audit and audit by building an intelligent medical insurance supervision platform and establishing system measures such as daily inspections, special inspections, key spot checks, online inspections, and entrusted third-party audit inspections.

Article 102 Medical insurance violations of employers, designated medical institutions, medical insurance agencies and their staff, insured persons and other personnel shall be handled in accordance with the Social Insurance Law of People’s Republic of China (PRC), Measures for Handling Violations of Basic Medical Security in Hangzhou and other relevant laws and regulations.

Chapter XI Supplementary Provisions

Article 103 The medical insurance funds mentioned in these Measures include employee medical insurance (including maternity insurance) funds, urban and rural residents’ medical insurance funds, serious illness insurance funds and medical assistance funds.

Article 104 The expense settlement year of employee medical insurance and urban and rural residents’ medical insurance is from January 1st to December 31st every year, and the expense settlement year of college students’ medical insurance is from September 1st to August 31st of the following year. The settlement year of the insured’s serious illness insurance and medical assistance is the same as the basic medical insurance types they participate in.

Article 105 Except as otherwise provided, foreigners who have obtained relevant employment certificates or foreigners’ residence certificates, permanent residence certificates, innovation and entrepreneurship visas and other entry and exit certificates in accordance with the law and are legally employed in this Municipality shall participate in employee medical insurance in accordance with these measures and enjoy the medical insurance benefits for employees.

Those who live in China but are not employed can participate in the basic medical insurance with reference to the provisions of the city’s household registration personnel with the "Permanent Residence Permit for Foreigners" issued by the public security department of this Municipality, and those who hold the "Permanent Residence Permit for Foreigners" issued by the public security department of this Municipality can participate in the basic medical insurance with reference to the provisions of the non-local household registration personnel.

Hong Kong, Macao and Taiwan compatriots who are legally employed in this Municipality or hold residence permits issued by the public security departments for Hong Kong, Macao and Taiwan residents shall refer to the provisions of the preceding two paragraphs.

Article 106 Old workers who participated in revolutionary work before the establishment of People’s Republic of China (PRC), retired six-level and above disabled soldiers, municipal and above high-level talents, municipal and above model workers, and those who enjoy medical treatment for model workers with reference, enjoy medical care on the basis of enjoying basic medical insurance benefits, and specific measures shall be formulated separately.

Article 107 The term "self-funded expenses" as mentioned in these Measures refers to medical expenses that do not meet the scope of medical insurance expenses; Self-care expenses refer to the scope of medical insurance expenses, but before settlement according to medical insurance regulations, a certain proportion of medical expenses must be borne by the insured; Out-of-pocket expenses refer to medical expenses (including Qifubiaozhun) that are in line with the scope of medical insurance expenses and should be borne by individuals in proportion according to regulations.

Article 108 If the original invoice for medical expenses has been used as the reimbursement voucher of the relevant department or unit, the relevant department or unit may issue the original voucher split sheet and affix the special financial seal, and then settle the account according to the relevant provisions.

Article 109 The relevant data such as the collection base of medical insurance fees for flexible employees in the next year shall be published by the municipal medical security administrative department and the municipal tax department before the end of each year.

Article 110 After the medical insurance benefits of the insured are started, the paid medical insurance fees will not be returned.

Article 111 The employer may establish supplementary medical insurance for employees to improve the level of medical security for employees, and the required funds shall be charged according to the relevant provisions of the state.

Article 112 Medical expenses caused by major public epidemics or large-scale natural disasters, as well as medical expenses exemption policies for specific groups and specific diseases, shall be implemented in accordance with relevant national and provincial regulations.

Article 113 Unless otherwise specified in these Measures, if government subsidy funds are involved, Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Hangzhou High-tech Development Zone (Binjiang), Hangzhou Qiantang New District and Hangzhou West Lake Scenic Area shall be borne by the municipal and district finance at a ratio of 1:1; Xiaoshan District, Yuhang District, Fuyang District, Lin ‘an District, Tonglu County, Chun ‘an County and jiande city shall be borne by each district and county (city) under the existing financial system. If the urban financial system is adjusted, the sharing ratio will be adjusted according to the new regulations.

Article 114 These Measures shall come into force as of January 1, 2021, and the municipal medical security administrative department shall take the lead in organizing the implementation. Before the implementation of municipal overall planning of medical insurance, Tonglu County, Chun ‘an County and jiande city and other three jurisdictions can implement the financing standards and treatment policies of basic medical insurance as stipulated in these Measures step by step according to the local economic and social development level and the actual operation of medical insurance funds. Unless otherwise stipulated by the state or province, such provisions shall prevail. Previously issued the Notice of Hangzhou Municipal People’s Government on Printing and Distributing the Measures for Basic Medical Security in Hangzhou (Hangzhou Zheng [2017] No.64), the Notice of the General Office of Hangzhou Municipal People’s Government on Printing and Distributing the Measures for Maternity Insurance in Hangzhou (Hangzhou Zhengban [2011] No.22) and the Notice of the General Office of Hangzhou Municipal People’s Government on Printing and Distributing the Detailed Rules for the Implementation of the Measures for Basic Medical Security in Hangzhou (Hangzhou Zhengban [2017] No.6)

A lawyer’s letter is a legal document sent by a lawyer to the relevant parties in written form after accepting the entrustment, which is usually used to convey claims or legal warnings. In the case of overdue online loans, the receipt of a lawyer’s letter indicates that the creditor has taken further legal measures to urge the debtor to fulfill its repayment obligations. This does not mean to start the lawsuit immediately, but to convey the seriousness of the creditors. If the debtor still refuses to deal with it, the creditors may continue to enter the court prosecution stage. The lawyer’s letter plays a role of warning and prompting repayment, and it is a more serious legal reminder for those who fail to repay after the deadline.

Receiving a letter from a lawyer does not mean that you will be prosecuted immediately. The main function of the lawyer’s letter is to urge the debtor to fulfill the repayment obligation and express the creditor’s intention to take further legal action. Usually, the creditor will give a certain buffer period or repayment period, especially when the repayment period is explicitly mentioned in the lawyer’s letter. If the debtor takes the initiative to take action within three days after receiving the lawyer’s letter, such as repaying the arrears, on the whole, it is unlikely to be prosecuted immediately. Therefore, the debtor should take the lawyer’s letter seriously and raise funds to complete the repayment as soon as possible to avoid greater legal consequences.

Overdue online loans usually have a negative impact on personal credit records, and overdue information will be recorded in the credit information system, which will affect the future loan and credit card approval of individuals. Receiving a lawyer’s letter will not directly increase the impact, but long-term default on debts may not lead to more serious consequences, including being enforced after the court’s decision. Failing to deal with overdue questions in time may also be included in the list of people who have lost their trust (commonly known as "blacklist"), which will bring greater trouble to personal credit and daily life. It is best to communicate with relevant institutions quickly after receiving the lawyer’s letter and try to resolve the problem.

Usually, the lawyer’s letter clearly indicates the repayment period, such as repayment within three days. If the debtor pays the arrears within this period of time, most creditors will choose not to start the proceedings because the arrears have been settled. Litigation is not only time-consuming and laborious, but also needs to pay the corresponding legal fees, which is not the optimal solution for creditors. Repayment within the specified time limit as soon as possible is the best way to avoid legal proceedings. If you can’t repay it in one lump sum, you can try to negotiate with the online loan platform or lawyer to seek a plan for installment repayment.

If the debtor really can’t pay off the debt in one lump sum within three days, the best way is to contact the creditor or lawyer actively, explain his financial situation, and put forward a plan of repayment by installments or deferred repayment. Creditors are often more willing to solve problems by negotiation rather than directly start litigation procedures. If it keeps evading or delaying, the creditor may choose to take legal measures, which will increase the economic pressure and legal risk of the debtor. Active communication is an important step to avoid further legal disputes.

If the debtor still fails to repay after receiving the lawyer’s letter, the creditor may bring a lawsuit to the court according to law and recover the arrears through legal channels. After the court makes a judgment, if the debtor fails to perform the judgment, the creditor may apply for enforcement. This may involve the seizure or freezing of the debtor’s property, and even affect personal life. The issuance of a lawyer’s letter is a preliminary step in the legal process, and its purpose is to hope that the debtor can consciously repay the loan and avoid the extra time and cost brought by the litigation stage. The stage of dealing with the letter from the lawyer is the ideal time.

After receiving the lawyer’s letter, the debtor should carefully read the contents of the letter and check the amount owed by the online loan, the number of days overdue and the relevant clauses in the lawyer’s letter. If the amount is found to be inconsistent or the terms are questioned, you should contact the lawyer or creditor in time, raise objections and keep relevant evidence. If the debtor has encountered irregularities or usury in the process of online lending, he can also report to the relevant regulatory authorities and safeguard his rights and interests by legal means. When dealing with lawyers’ letters, we should keep calm, not only avoid expanding questions, but also strive to protect our legitimate rights and interests.

Long-term failure to deal with overdue online loans may lead to a series of serious consequences, including damage to credit records, legal proceedings, property enforcement and being included in the list of untrustworthy people. The list of untrustworthy people will have a significant impact on personal life and work, such as being unable to handle high-consumption behaviors, restricting high-speed rail and air travel. Legal proceedings may also generate additional penalty interest and lawyer fees, increasing the debt burden. It is urgent to deal with overdue debts, and solving problems as soon as possible can reduce the impact on personal life and economic status.