Beijing, September 10 (Reporter Sun Ying) According to the Voice of China report, on the morning of September 8, the Office of the Central Committee for Governing the Country in an All-round Way according to Law held a spiritual expert forum to study the important speech made by General Secretary of the Supreme Leader at the first meeting of the Central Committee for Governing the Country in an All-round Way according to Law. Legal experts and scholars attending the meeting talked about their experience in studying the spirit of the important speech of General Secretary of the Supreme Leader.

　　The first plenary session of the Central Committee for Governing the Country in an All-round Way according to Law formally put forward the proposition of "new ideas, new ideas and new strategies for governing the country in an all-round way according to law". Zhang Wenxian, vice president of china law society, believes that "new ideas" can be summarized by these key words — — The party leads the rule of law; People’s subject; Good law and good governance; A powerful country in France. Zhang Wenxian said that General Secretary of the Supreme Leader has repeatedly quoted the Legalist classic that "those who serve the law are strong, and those who serve the law are weak, and the country is weak", and has deeply analyzed the experience and lessons on the rule of law for many times, guiding the whole party and the people of the whole country to unswervingly follow the road of strengthening the country by serving the law, and giving full play to the leading and normative role of the rule of law in economic development, political clarity, cultural prosperity, social justice, good ecology, and national peace and security.

　　Fu Zitang, a professor at Southwest University of Political Science and Law, analyzed in his speech that the party’s leadership must be strengthened to govern the country in an all-round way according to law, and the relationship between the party and the rule of law is the core issue of the rule of law. He said: "General Secretary of the Supreme Leader pointed out that ‘ The relationship between the party and the law is a fundamental problem. If it is handled well, the rule of law, the party and the country will flourish. If it is not handled well, the rule of law, the party and the country will decline ’ . The leadership of the party is consistent with the rule of law. The socialist rule of law must uphold the leadership of the party, and the leadership of the party must rely on the socialist rule of law. "

　　It is the core work and key task of the Central Committee for Governing the Country by Law to study and formulate the construction plan of China ruled by law. Wang Liming, a professor at Renmin University of China, analyzed: "Through this plan, we can ensure that the CPC Central Committee takes the overall situation and coordinates all parties, form a top-level design of rule of law construction, and eliminate the adverse effects of departmental interests, local interests and other interest groups in rule of law construction, and avoid the imbalance in rule of law construction. As Shenzi said: ‘ Dharma practitioners are not from the world, not from the ground, but from the world, which is in line with people’s hearts. ’ Only the rule of law construction plan that reflects the people’s dominant position and reflects the needs of the people is a scientific and reasonable plan. "

　　The General Secretary of the Supreme Leader pointed out: "It is necessary to promote the socialist core values to run through all aspects of legislation, law enforcement, justice and law-abiding, so that the socialist rule of law can become good law and good governance." Zhuo Zeyuan, a professor at the Central Party School (National School of Administration), analyzed that the embodiment of core values in legislation should be transformed into norms of entities and procedures, not simple principles. Zhuo Zeyuan said: "Tell people and society what is good and what is bad;" What is right and what is wrong; What is advocated by law and what is opposed by law; What is legal and what is illegal; What is just and what is unjust should be expressed through legislation. "

　　Governing the country according to law in an all-round way is a broad and profound revolution in the field of state governance, which will inevitably lead to many adjustments in the state governance system and governance structure. Ma Huaide, a professor at China University of Political Science and Law, suggested that the Central Office of Governing the Country according to Law should focus on three tasks: First, the Office of Governing the Country according to Law should strengthen supervision and assessment; The second is to strengthen the evaluation and construct a scientific index system of governing the country according to law; The third is incentive and accountability.

　　Since the reform and opening up, China’s law education has made great progress. According to incomplete statistics, China’s universities have set up 627 undergraduate programs in law, 197 authorized programs for master’s degrees in first-class disciplines in law, 243 authorized programs for master’s degrees in law and 50 authorized programs for doctoral degrees in first-class disciplines in law. Many experts expressed their views on how to give full play to the basic and leading role of legal education in comprehensively governing the country according to law, and improve the level of legal education and the quality of training talents under the rule of law.

　　Chun Wong, a professor at China University of Political Science and Law, analyzed: "Under the background of such a large scale and quantity of legal education, it is particularly important to strengthen the quality of training talents under the rule of law, because training and bringing up a group of outstanding talents under the rule of law who are familiar with and adhere to the rule of law system in Socialism with Chinese characteristics is an important guarantee for comprehensively promoting the rule of law."

　　A 29-year-old Burmese man was arrested for graffiti in a national park in Japan (photo from NHK News, Japan)

　　Overseas networkFebruary 22 nd In January, the famous landscape "Tree Ice" on Bajiatian Mountain in Aomori Prefecture, Japan was painted with pink fluorescent paint by tourists, leaving "Happy Birthday" sprayed in English and Chinese on the scene. On the 22nd, Japanese police arrested a 29-year-old Burmese man living in Tokyo for "the crime of obstruction of powerful business". The man admitted that he did it because he wanted to surprise his girlfriend. Previously, some netizens who didn’t know the truth pointed their finger at "China couple".

　　According to Japan’s NHK News and Asahi Shimbun, on the 14th of last month (January), near the Peak Park Station of Bajiatianshan Cableway in Aomori Prefecture, Japan, the famous landscape "Tree Ice" and its surroundings were found with a large number of pink fluorescent paint graffiti.

　　The Japanese police conducted a search through eyewitness information and found that a Myanmar man (29 years old) living in Shinjuku, Tokyo was suspected. On the 22nd, the Japanese police arrested the Burmese man for "the crime of obstruction of power business" because the use of fluorescent paint graffiti hindered the business of the ropeway company.

　　According to the Japanese police, at that time, the Burmese man and his lover came here for the purpose of skiing. In the face of the investigation, the man admitted, "I wanted to make my girlfriend happy and give her a surprise before I did it." The police are currently conducting a more detailed investigation.

　　It is understood that at that time, two trees were painted with pink fluorescent spray paint in the area of about 50 square meters in the ice and surrounding snow, and "HAPPY BIRTHDAY" and "Happy Birthday" were written in English and Chinese respectively, in addition to some unclear letters. A Japanese skier said that a couple who graffiti can speak Chinese, English and Japanese. Although they were discouraged by others, they did not stop, so they reported the matter to the ropeway company.

　　The search cadre said, "Graffiti in the national park has had a (negative) impact on society, so I decided to arrest it."

　　The Bajiatian Mountain System, which spans Aomori City and Shihada City, Japan, and most areas, including the Shiraiping National Park in Shihada, have been designated as special protected areas with strict control, and the local authorities have called for strengthening the protection of the landscape.

　　Previously, because the spray words were in Chinese, some netizens who didn’t know the truth pointed the finger at the "China couple" directly, and therefore angered Chinese for "poor quality" and "don’t come to Japan again", which made China tourists "lie down" innocently. Of course, but some netizens are skeptical, thinking that they can use Chinese and can’t tell which country the inkjet printer comes from. (Compile/Overseas Network Gong Hao)

On the opening day of Meng Hua Lu, Ada published a letter to Sun Sanniang, the character in the play, in Weibo, with his own reading belief. This letter is addressed to Sun Sanniang, who confides in her like a friend she hasn’t seen for a long time, praises her tenacity and kindness, and shares her recent life with her. But this letter seems to be addressed to Ada herself. She told herself not to bow to other people’s comments easily, but to firmly follow the road of life that she wanted.

From bit part, whose acting is a little immature in The Painted Skin, to Yue Miaomiao, the anchor of online celebrity in The Beneficiary, who won the best actress in the film festival, to Sun Sanniang, who impressed the audience recently because of the hit of Meng Hua Lu, Ada, who was an actor across the border by the host, stumbled forward and experienced many difficulties all the way. However, she has always been as resolute and brave as San Niang. In the face of doubt and criticism, she persisted in her dream and tore off the label of "sexy" step by step, revealing the amazing side of "actress" Ada.

Interview with Ada (Part I):Be grateful for the "sexy" label, and you will be positive when you encounter unfriendly voices in your life.

Tough cattail and soft moss

Comfortable, natural and true, this is the evaluation of Ada’s performance by many audiences after watching Dream of China. Sun Sanniang, who looks dashing and dashing in the play, seems to be a far cry from Ada in people’s impression.

　

Sun Sanniang in the play is a straightforward and decisive person with a delicate mind. She knows life, is grounded and empathetic, and is always the first to notice the emotional changes of her sisters around her. Coupled with her superb cooking skills, she exudes a soothing fireworks atmosphere. Outside the play, Ada was once described by moss. After losing the star’s "coat", she was just like an ordinary girl next door, soft and full of vitality.

　

In an interview, Ada mentioned that she and Liu Yifei and Jelly Lin are intimate friends in private. Everyone will share food, beauty and all kinds of good things in life together, and they will talk about almost everything together. Her past hosting career has made her more sensitive and careful. When talking and interacting with others, she can always take care of everyone’s feelings. In life, Ada’s cooking skills are no less than those of San Niang, and friends around her all say that she is good at cooking. Through the filming of Dream of China, she also learned to carve flowers, knead dough and cook delicious food. As an ordinary person, Ada also has delicacy and truth that people don’t understand.

　

However, Sun Sanniang is also a soft-hearted person. She is brave, strong and independent, and dares to do anything for her friends. Even though I encountered all kinds of grievances and injustices, I still didn’t give up my life. In ancient times, when the status of women was humble, she struggled with her own hands and never gave in to her fate. From this aspect, it seems that Ada, who drifted northward, and Sun Sanniang, who drifted bianjing, have a wonderful similarity.

　

"When you go from a small place to a bigger city, the interpersonal network will become more complicated, there will be more and more talented people, and the competitive pressure will become greater. Therefore, you should not only have IQ online, EQ online, but also adversity quotient online, "Ada sighed." And there is no one around to be caring and attentive during the holidays, which may bring you psychological pressure and emotional changes. I can actually understand this mood. "

　

Being a host is Ada’s first job after she started drifting north, and that’s what she always wanted to do. She was born in a non-professional class, and she made a thousand times more efforts than others. Learn relevant professional knowledge, test Putonghua and host certificate, and strive to meet the industry standards. At that time, Ada was just like "Desperate for Three Mothers". In order to save money and time, sometimes she only took off half of her makeup when she went home. The mobile phone doesn’t turn off for 24 hours, more than a dozen programs turn around, and I wear high heels until my feet swell. But even so, she will still encounter all kinds of situations of being denied, criticized and replaced. The sense of crisis abandoned by the industry has defeated her self-confidence countless times.

　

Later, it was a new adventure to transform from a host to an actor. At first, she played a supporting role or guest appearance in various film and television works. In the past few years, she still has no representative work of her own. When the audience mentioned her, it was always difficult to equate her with the actress. It was not until she co-starred with Dapeng in the film The Beneficiary that she was nominated for the Best Actress in the 33rd Golden Rooster Award of China Film, and included the nominations and awards of the 11th Macau International Film Festival, the 5th China-Canada International Film Festival and other film festivals, so that more people could see the shining point of Ada as an actor.

　

The director of the movie Beneficiary’s bid for the Olympic Games once described Ada as "burning weeds" and "invincible Xiaoqiang". Along the way, Ada seems to have been challenging what she is not good at, but she is strong, hardworking and unyielding, with unique tenacity like Pucao, like Yue Miaomiao and Sun Sanniang. "I think people can turn over," Ada said firmly. "You must grit your teeth and try to be a better yourself, so that at least when you leave, you won’t regret it."

　Live in harmony with sex appeal　

For a long time in the past, Ada seemed to be firmly tied to the word "sexy".

　

In 2011, when Ada attended the Hong Kong premiere of the movie "Painting the Wall", she was dressed in a black tight-fitting low-cut dress, which attracted and occupied almost all the shots and pages at that time. The sexy and bright dress has brought her unprecedented exposure and topicality, and also enabled her and the team to find a new breakthrough in the future.

　

In fact, before this, Ada had accumulated a lot of popularity by hosting, but she was still confused about her future. Those popularity didn’t bring her any substantial changes. She couldn’t advance to the top position in the field of hosting, and she had no money and no hope.

　

In the cruel entertainment circle, Ada knows that opportunities are hard to come by. For her, any tiny opportunity may become a turning point to change her life. Therefore, as an opportunist, she resolutely seized the opportunity of being sexy, began to attend some occasions with publicity needs in a relatively sexy dress, and also accepted various magazine covers and charming and sexy film and television role invitations, even if it was only a short appearance. With the sexy label, Ada got more and more people’s recognition and attention, and she really became popular as she expected.

But in a sexy way, perhaps even Ada himself had never thought of it. To the people around her, she is actually a traditional and conservative person. In an interview, Ada’s agent recalled that the suspender top or skirt she wore when she hosted the program earlier, the shoulder strap must be more than three fingers wide, and the low-cut clothes would even try to sew.

　

It is such a person who seems to be out of place with sexy, and has been deeply linked with this label since then. Recalling his feelings when he first got this label, the first word Ada mentioned was "gratitude". "It seems like a gift to me, a pleasant surprise. Because I know myself too well, I am really not a sexy person, so when I found out that I can be sexy, I was actually very surprised. "

　

However, in this world, popularity is always accompanied by arguments. This weapon, named "Sexy", follows Ada in breaking waves, and sometimes it will inevitably hurt itself. After gaining traffic and attention by virtue of sex appeal, many unwarranted speculations and public opinion attacks also swarmed from all directions. Some people say that Ada is scheming and ambitious, some people satirize that she can only borrow her chest to get ahead, and all kinds of strangers insult and abuse her under her Weibo.

　

Maybe you can’t be completely indifferent, but these negative remarks have never defeated Ada. She used her own way to block unfriendly voices from the outside world, and sometimes even confronted them. She stumbled all the way forward, and never thought of leaving in the face of no matter how big the difficulties, because in her heart, she gained far more than she lost.

　

But she gets confused occasionally. "After I have played some sexy roles, the industry will have some stereotypes about me. When I try to win other roles, the other party will directly say that you are not suitable for this character." Sexy is like a fence built invisibly, which limits her way.

　

Fortunately, all this is slowly changing. In Ada’s view, from "Beneficiary" to "Dream of China" are the best proof of people’s impression change on her. Especially in Meng Hua Lu, there are actually many sexy and glamorous female roles, but the director and casting team gave her the role of Sun Sanniang, which was pungent and energetic, and her final performance also made more people see Ada’s versatility and plasticity as an actor.

　

Today, Ada describes himself as living in harmony with the label "sexy". She still doesn’t reject it, but in her life, this word no longer represents all of her. "I want to rank this label second and third for the time being. When I am 7 or 80 years old, I may rank it first again, because I really like it."

　Be the one who works hardest.　

Recently, in a discussion post about Dream of China in Douban, someone specifically mentioned Ada’s acting skills. It is said that under the lens of most directors, she seems to be playing the role of "edge ball". However, she was clearly nominated for the Golden Rooster Award, and she was an actress with solid lines and excellent acting skills. This time, in Dream of China, director Yang Yang didn’t dispute the consumption of Ada, let alone waste her acting skills.

　

In fact, looking back at Liu Yangang’s works when she was in contact with the performance, it is not difficult to see that she is immature and green. At that time, she crossed into the actor industry from the host. Without professional study, she could only explore slowly by herself. Based on her previous professional habits, she always cared about the fluency and accuracy of her lines at first, but that was often not the most real and natural expression. As a "novice", she is afraid of being scolded by the director and dragging the back of the same group of actors, and she is always trembling.

　

"But I think performance is a process of slow enlightenment." In terms of performance, Ada paid enough patience and efforts. She firmly grasped every opportunity, whether it was supporting role, guest appearance or wannabe who played soy sauce, every role was an opportunity for her to temper and grow.

　

In 2017, Ada participated in the performance competition program "The Birth of an Actor" and performed on the same stage with many professional actors. Although there is no reward and there is no guarantee of promotion, it is a rare opportunity for her to learn and prove herself. She accepted all the praises and criticisms from her mentor, and turned them into the motivation of the actress. Ada said sincerely in the program, "I am not the most talented actor, but I want to be the one who works hardest."

　

With the study and accumulation bit by bit, Ada began to deeply understand why performance comes from life, and gradually found a more real and natural performance rhythm and way. She mentioned in the interview that acting is actually not the key, and there is no need to "experience" the role at a certain point in time. As an actor, the best state is to "become" that character and become one with her while staying relaxed and immersed.

Interview with Ada (Part II):I made a dream of China and got a delicious meal. I didn’t have appearance anxiety but I had time anxiety.

Compared with before, Ada has received more and more scripts and role invitations, among which there are also many important roles and female number one. "I don’t really care about the multiple scenes of the role, and I don’t have a special role to challenge. I just hope to cooperate with excellent teams, excellent actors and directors to increase the value of my performance, and I can learn a lot, just like Dream of China, otherwise it is difficult for actors to grow up quickly in this industry." Talking about this, Ada showed his long-lost excitement and desire for expression. "If an actor meets a good role, he will have a great desire to create, and that feeling is like winning the lottery. This is something that can be met but not sought."

　

Ada has been in the business for more than twenty years. The growth of age did not make her anxious about her figure and appearance, but made her more calm than before. From the beginning, I crossed the river by feeling the stones without confidence and confidence, to learning and growing slowly, turning failure into motivation, and finally being recognized by the host and acting skills. The industry and the audience gave her space and time to grow up. Like the three ladies in Dream of China, she tried her best to win hard-won opportunities and change her destiny with her own strength.

　

"On the whole, I’m satisfied with my career and life," Ada said of myself so far. "I’m more appreciative of Ada himself.

Written by Wang Xuening

—　THE

　　At 9: 00 on June 23, with the Xiaolangdi Reservoir discharging at a flow rate of 2,600 cubic meters per second, it marked the official start of the Yellow River water and sediment regulation in 2025.

　　On July 1st, the Yellow River will officially enter the main flood season. According to the regulations, the water level of the relevant reservoirs should be reduced to the flood limit level to make room for flood control. According to the principle of safety, controllability and overall consideration, combined with the requirements of drought resistance in the lower reaches of the Yellow River and flood prevention in the middle reaches of the Yellow River, and firmly grasping the "bull’s nose" of regulating the relationship between water and sediment, the Yellow River Water Resources Commission decided to start the implementation of water and sediment regulation in the Yellow River in 2025 by jointly dispatching Wanjiazhai, Sanmenxia and Xiaolangdi reservoirs from June 23, so as to scientifically regulate the relationship between water and sediment.

　　According to the inflow of water from the middle reaches of the Yellow River and the water storage situation of the reservoir, in order to enhance the follow-up power of water and sediment regulation in Xiaolangdi Reservoir, give full play to the water storage benefits above the limited water level of the reservoir in flood season, and minimize the impact on aquatic organisms and their habitats, this water and sediment regulation will last for about 17 days in combination with years of practical experience in water and sediment regulation, and comprehensively consider the objectives of drought resistance, irrigation and supply protection, reservoir dredging for flood season, river siltation reduction, and estuary ecological water replenishment. During the period, the joint dispatching mode of Wanjiazhai, Sanmenxia and Xiaolangdi reservoirs, with cameras of Luhun, Guxian and Hekoucun reservoirs as the tributaries, was adopted, and the maximum discharge of Xiaolangdi Reservoir was controlled at Huayuankou Hydrological Station of about 4,600 cubic meters per second. Considering the sediment discharge and siltation reduction of the reservoir and the aquatic organisms and their habitat ecology in the downstream river, the peak sediment concentration at Huayuankou Hydrological Station should be controlled not to exceed 359 kg/m3.

　　Since the beginning of this year, faced with the grim situation of drought in many provinces (regions) in the Yellow River Basin, the Yellow River Committee has thoroughly implemented the spirit of the important instructions of the Supreme Leader General Secretary on flood control and drought relief, conscientiously implemented the work deployment of the Ministry of Water Resources, made drought relief and irrigation and supply the first priority, paid close attention to the development of drought in the basin, scientifically dispatched key reservoirs in the basin, and accurately matched the domestic water demand of urban and rural areas in the basin with the irrigation demand of irrigation areas. It has launched emergency response five times, with a total water supply of 13.5 billion cubic meters, providing a strong water resource guarantee for ensuring water supply security and food security

　　Regulating water and sediment in the Yellow River is one of the important means to adjust the relationship between water and sediment in the Yellow River. Since 2002, on the basis of a lot of scientific research and experiments, the Yellow River Committee has seized the possible opportunity to continuously carry out water and sediment regulation in the Yellow River. The Yellow River water and sediment regulation will strive to achieve a win-win goal: to meet the needs of downstream irrigation and supply, and to ensure the safety of drought-resistant water use in the later period; Maintain the middle water channel in the lower reaches of the Yellow River; Realize the sediment discharge and siltation reduction of the reservoir, optimize the siltation form of the reservoir, and minimize the impact on aquatic organisms and their habitats; Implementing ecological regulation of the Yellow River and ecological water replenishment in the delta; Further explore the law of sediment transport in reservoirs, downstream rivers and estuaries.

　　The Yellow River water and sediment transfer has a large flow and a long duration. The Yellow River Committee attached great importance to it, strengthened organization and leadership, scientifically formulated plans, and made arrangements in advance. On June 15th, it sent advance notices to the management units of Shanxi, Shaanxi, Henan and Shandong provinces, the River Affairs Bureau, the Sanmenxia reservoir area, and the relevant reservoirs and power grid management units to inform the relevant situation, and to the organization and leadership, hydrological monitoring and forecasting, reservoir operation, risk investigation and emergency rescue, and wading safety.

　　During the Yellow River water and sediment transfer period, the Yellow River Committee will pay close attention to the weather situation changes, timely analyze the water and rain conditions, strengthen emergency duty and flood control consultation, strengthen real-time reservoir dispatching, strengthen project inspection and defense, ensure the smooth progress of water and sediment transfer, and ensure the safety of personnel and projects.

　　Looking back on the past 2019, compared with the 5% and 6% yields of wealth management products in the past few years, everyone is inevitably disappointed. In the past year, after experiencing the decline in the yields of various "baby" money funds and the continued decline in the yields of bank wealth management products, it seems that the interest rates of various low-risk wealth management products are falling, which also makes us more confused — — In 2020, how should we manage our finances?

　　See the global economic trend clearly

　　With the global economy in a state of fatigue, the era of negative interest rates has arrived.

　　Negative interest rate means that the bank lends money to the lender, and the lender pays back less than the borrowed money, and the deposit interest rate may also be negative. The money in the bank not only has no interest, but may even shrink gradually.

　　As of 2019, many countries around the world have implemented or are implementing zero interest rates or negative interest rates. For example, the economies that have implemented and still maintain negative interest rates include Japan, Denmark, Switzerland, Sweden, etc., and the low interest rate economies that have briefly implemented near "zero" include the United States and the United Kingdom.

　　In August 2019, Denmark’s third largest bank — — Jutland Bank launched the world’s first mortgage loan with negative interest rate, with a mortgage interest rate of negative 0.5%. Germany even successfully sold the national debt with a scale of 824 million euros and a maturity of up to 30 years at a negative yield.

　　Some people may say, what does negative interest rate have to do with our financial management?

　　Investment and financial management must first see the general trend clearly. If the global economy is further plunged into negative interest rates and low interest rates, then financial management also needs to be "long-term", and it needs to take five or even ten years as a cycle to consider what to invest and how to invest. After all, in the context of the global economic downturn and falling interest rates, it means that the products worth investing are decreasing, and the rate of return on investment is also declining, which is closely related to our "money bag".

　　From a global perspective, the decline in interest rates is still the general trend. Since 2019, more than 30 central banks around the world have announced interest rate cuts, not only in developed economies, but also in emerging economies such as Russia, India, Indonesia, Turkey and Brazil. In August 2019, the Swiss bank announced that it would levy an annual fee on deposits of more than 500,000 euros, which is regarded as a negative interest rate in disguise. Large amounts of funds deposited in banks not only have no interest, but may gradually shrink.

　　Looking forward to 2020, the situation is still not optimistic. According to the data of the International Monetary Fund (IMF), the global economic growth rate dropped from 3.6% in 2018 to 3.0% in 2019, setting the lowest level of global economic growth in 10 years. The IMF predicts that by 2020, global economic growth will improve slightly, with a growth rate of 3.4%, which has been lowered by 0.2 percentage points compared with April 2019.

　　Compared with the major economies in the world, China’s current interest rate level is still high. Zhou Xiaochuan, the former governor of the central bank, recently said at the "Innovation Economic Forum" that there were two lessons from the international financial crisis in 2008, one was a bubble, and the other was a low interest rate in a low inflation environment. "Our interest rate is not as low as that of western countries, and there is still room to deal with economic problems, so we should try our best to avoid entering the era of negative interest rates quickly."

　　Pay more attention to "hard core" assets

　　In 2019, although our wealth management income is declining, from a global perspective, the return on RMB assets is already "outstanding" in low-risk investment varieties. Financial management also needs to adjust the mentality and be steady.

　　Since 2019, the chill of bank wealth management products has gradually emerged, and the yield has continued to fall. Relevant statistics show that from January to November 2019, the average expected rate of return on bank wealth management products fell from 4.31% to 3.98%.

　　At the end of the year and the beginning of the year, although the income of "baby" money funds has increased, most of them still stay in the "2" era. As of December 30, 2019, the average 7-day annualized rate of return of all-market money funds rose above 2.5%. Among the 629 monetary funds that can be counted, 136 monetary funds have an annualized rate of return of more than 3% on the 7 th, and 479 monetary funds have a rate of return of around 2.5%.

　　Even if the rate of return on financial management is lower, from a global perspective, RMB assets are the "fragrant buns" of the world. With the interest rate cuts of major economies in the world, the spread between China and foreign countries has expanded to a historical high level, which has greatly increased the attractiveness of RMB assets, such as RMB bonds, to overseas institutional investors. At present, the interest rates of 10-year and 30-year sovereign bonds in Germany have been negative. In contrast, the interest rate of RMB bonds for 10 years is around 3.2%, while that of US dollar bonds is less than 2%.

　　Therefore, although it is not comparable to the rate of return in the past few years, horizontally, China’s wealth management products are still very attractive. Moreover, in the current global economic downturn and increasing uncertainty, the primary goal of investment and financial management should be to ensure the safety of principal.

　　"For investors, making quick money is no longer so easy, the risks are getting bigger and bigger, and there are more and more pits." For example, Guan Qingyou, president of the Financial Research Institute, believes that in this context, we still need to pay more attention to "hard core" assets. "Hard-core" assets have four obvious characteristics, such as real value, relative scarcity, relative safety and better liquidity.

　　Guan Qingyou said that the first one is value. Simply put, it is "useful" to people. A hard-core company must be able to create profits and have a high return on equity. For example, a "hard core" house must have the value of living and living; The second characteristic is scarcity. Things are rare, the scarcer they are, the harder it is to be copied, and the more valuable it is; The third is security. High yield means high risk. Don’t touch the "rose with thorns". Guo Shuqing, chairman of China Banking and Insurance Regulatory Commission, once said, "If the yield exceeds 6%, it will be in doubt; if it exceeds 8%, it will be dangerous; if it exceeds 10%, it will be prepared to lose all the principal". Be wary of high-yield wealth management products.

　　The last one is liquidity. Guan Qingyou believes that such assets should not be too small, and it is best to be needed and recognized by most people. In the financial downturn, the worse the liquidity of assets with too little demand, the more difficult it is to reflect their value.

　　Turn to long-term investment

　　What you didn’t like in the past may be the best financial choice now.

　　Assets with relatively high returns and sustainable investment are the best choice for ordinary individual investors. For risk-averse investors, it is a good choice to buy government bonds or simply deposit them in the bank for a fixed period.

　　At present, the annual interest rate of 3-year treasury bonds is around 4%, and the 5-year interest rate is around 4.27%. The interest rate of 3-year fixed deposits is also above 4%, and that of 5-year fixed deposits, especially small banks, can reach above 4.8%. In the period when interest rates are expected to rise, buying longer-term treasury bonds or fixed deposits may be a choice with higher returns and lower risks. If you think that these two kinds of liquidity are not good and you can’t take them at any time, then you can also consider products such as transferable certificates of deposit introduced by banks, but they have a certain threshold, generally starting from 200,000 yuan. If you need money before it expires, you can transfer it through the bank’s platform, which is relatively more liquid.

　　4% interest rate is not high compared with the past, but we must know that in those economies that have fallen into negative interest rates, it is very difficult to find investment products with a yield of more than 2% and stable income. If you can maintain a steady income, even if you buy a "basic" deposit product and reinvest the interest earned, the long-term return brought by "rolling interest" is very considerable.

　　Another popular product in 2019 is gold. Gold is considered as a safe-haven asset, so when the economy goes down, increasing gold holdings is the first choice.

　　At the end of 2019, the "spring" of the stock market appeared, and the Shanghai Composite Index stood above 3,000 points. At present, the expectations of all parties for the stock market in spring are rising. In this context, for individual investors who don’t care about bank wealth management and time deposit returns, if they want to invest in the stock market, they will not choose individual stocks, then in 2020, investing in index funds is also worth trying.

　　In 2020, investment still needs to be stable.

Wow ~ Have you heard of this super violent story? An original humble young man actually hit a wall in the TV hosting competition, but he finally got the recognition of the TV variety channel and became a high-profile variety host by his constant struggle! Yes, he is the new host who has been hot recently-Xu Bin. He used to be an ordinary gamer, but now he has become the darling of TV variety channels. Yes, in the program "Culture Ten" you watched, he appeared frequently, which took the program to a new height.

Maybe you don’t know much about him, but in the recent TV stage, he shines brightly! Many deputies praised his performance. They feel that the TV stage has successfully integrated Chinese excellent traditional culture and modern elements perfectly, showing the elegance of the new era and showing our self-confidence and self-improvement.

However, the new host is not always smooth sailing. He once ran into a wall in the host contest, but with his own talent and hard work, he came to today step by step. Now, his performance in the program "Culture Ten" is really dazzling, and he has the charm of hosting.

When it comes to his performance, we can’t help but mention his stability and fashion. Compared with the previous childish beauty, he is more calm and fashionable now. He is handsome and full of gas, wearing a double-breasted suit, which is simply the standard for variety show hosts!

Recently, the ratings of "Culture Ten" have also been rising continuously, which is inseparable from the new indoor dance design and the participation of Xu Bin. The content and form of the program have been upgraded in all directions, which is more in line with the taste of the audience and the trend of the times.

If you are interested in this story, you may also find that success is not out of reach. As long as you are willing to work hard, there is always a bright road that suits you! So, let’s cheer for this new host and look forward to his more brilliant performance in the future!

The place where TV is filmed may also be the place where dreams and reality meet. In Hengdian Film and Television City, there are countless dreams and opportunities, just like the intersection of reality and dreams. Here, young people gather together with their love and pursuit of performing arts, hoping to realize their feats in film and television dramas through repeated opportunities.

However, behind Hengdian Film and Television City, it is tense and busy. As more and more crews are located here, the demand for actors is gradually increasing. As a group performance, their daily salary has also risen, reaching more than 100 yuan, which reflects the relationship between supply and demand in the actor market to some extent. According to the person in charge of the Actors’ Union, although the number of registered actors in Hengdian Film and Television City is as high as 130,000, with the growth of the demand of the crew, the gap of future actors may become bigger and bigger.

Interestingly, Hengdian Studios also attracted many elites from other industries. For example, Dong Shuzhi, the founder of Shanghai Finance Company, achieved financial freedom in Hengdian and became an actor. Such stories abound, showing the charm and attraction of the performing arts.

The prosperity of the film and television market is closely related to the popularity of short plays. The production cycle of miniseries is short and the investment is small, but the return is quite rich. This low-cost and high-return model attracts more producers and investors, and also provides more opportunities for actors to exercise. However, with the growing demand for filming, the shortage of excellent actors has become more and more prominent, which also plans the reality that the actors’ union must take a series of measures to deal with it.

Reporter | Jun Tang

Recently, a 23-year-old girl jumped to her death while renting a cargo pull van, pushing the cargo pull platform to the forefront.

Cargo Lala is the head enterprise in the field of freight transportation in the same city. Many people rent cars through cargo Lala when moving or transporting large items. Although the cargo Lala provides truck rental service, in order to look after the goods and facilitate travel, the owner usually follows the car to the destination, and the cargo Lala also provides the option of following the car on the order page. There are even some consumers who can’t get a taxi online during the rush hour, and they will ask the cargo girl to send themselves to their destination, and jokingly call "goods are people."

According to the Road Traffic Safety Law, freight motor vehicles are prohibited from carrying passengers. Then, can vehicles that provide freight services through the cargo pull platform carry people when transporting goods? If there is an accident that harms personal safety during transportation, should the cargo pulling platform bear the responsibility?

On this issue, the interface journalist left a message on the website of the Ministry of Transport as a public. The Ministry of Communications replied: The Road Traffic Safety Law stipulates that freight motor vehicles are prohibited from carrying passengers; If a freight motor vehicle needs to carry operators, it shall set up safety measures to protect the operators.

In other words, as an attached operator, you can take a freight vehicle, but the definition of an attached operator is not clear.

Regarding the stipulation that "freight motor vehicles are prohibited from carrying passengers", the interface journalist also consulted the public security traffic control department. The staff said that whether the truck carries passengers depends on whether the passenger fee is charged. If no fee is charged, it is not illegal to carry passengers, as long as it is not overloaded.

Consumers only need to pay the freight when placing an order at the cargo terminal, and there is no extra charge for following the car. From this point of view, the cargo pulling platform and drivers did not provide passenger service, so it is theoretically not illegal for trucks to carry passengers. However, if consumers don’t need to transport goods, they just use the cargo trolley as a network car, which violates the regulation of "no cargo motor vehicles carrying passengers".

It should be noted that if there is an accident that hurts personal safety during driving, consumers will not be able to get insurance compensation.

According to the requirements of the Regulations on Road Transportation, passenger transport operators should take out carrier liability insurance for passengers, so all passenger transport services, including online car service, will theoretically buy insurance for passengers. Freight vehicles do not need to buy such insurance because they do not carry passengers.

Interface news learned from the customer service office of cargo Lala that the cargo Lala platform did not buy insurance for the car followers, so unless the driver or consumer buys additional insurance himself, it is impossible to get compensation for the accident.

There have been precedents for how to divide the responsibilities of all parties in the event of an accident on the way between the shipper and the truck.

According to a judgment issued by China Judgment Document Network on December 31, 2020, in November 2018, the consumer Wang Long hired a cargo truck to deliver goods, and a traffic accident occurred on the way with the car because the driver did not drive properly, which caused Wang Long to be injured.

The transportation department decided that the driver of the cargo truck should be fully responsible for the accident, so Wang Long asked the cargo truck company to bear joint and several liability for compensation.

There are two main points of controversy in this case. First, what kind of legal relationship is formed between the cargo girl and the driver; The second is whether the cargo Lala should bear legal responsibility for the personal injury suffered by Wang lung on the way to the car.

Regarding the relationship between the platform and the driver, Wang Long advocated that the platform is the operator of freight behavior, while the court held that the cargo lesbian is only the intermediary service provider of cargo transportation information.

With regard to the liability of the platform, the court held that the possibility of the operator accompanying the vehicle could not be ruled out in freight transportation, and the vehicle attendant had the right to claim relevant compensation from the platform.

In this case, the driver did not have the corresponding freight business qualification and vehicle operation license. The E-commerce Law of the People’s Republic of China stipulates that the operators of e-commerce platforms have failed to fulfill the obligation to review the qualifications of the operators in the platforms, or have failed to fulfill the obligation to ensure the safety of consumers, causing damage to consumers, and shall bear corresponding responsibilities according to law.

The court held that the cargo pulling company should bear supplementary responsibility for the personal injury of the car-follower because it violated the obligations of good faith intermediation and reporting, and failed to fulfill the obligations of safety guarantee and qualification examination.

Supplementary liability means that when the property of the responsible person is insufficient, the relevant person or unit will make supplementary commitment. In this case, the main responsible person is the driver, and the court ruled that the cargo girl should bear 50% of the driver’s unpaid obligations as a supplementary responsibility.

Since 2019, ordinary freight vehicles with a total mass of 4.5 tons or less no longer need the general freight qualification certificate and vehicle operation certificate, and the platform no longer needs to review the qualifications of these vehicles and personnel. However, for trucks over 4.5 tons, they still need professional qualifications to register.

The incident of "a woman jumping to death by a cargo girl" uncovered not only the management loopholes of the cargo girl, but also the safety problems of the whole freight industry in the same city.

It is inevitable to follow the car. At present, the cargo girl has put forward rectification measures, including increasing mandatory recording and expanding the deployment of safety equipment. The effect needs further observation. Other freight companies in the same city should also check for leaks and fill gaps to avoid similar security incidents from happening again.

Respond positively in many places!

The People’s Bank of China has decided to reduce the interest rate of individual housing provident fund loans by 0.25 percentage point from May 18, 2024, and adjust the interest rates of the first set of individual housing provident fund loans for less than five years (including five years) and more than five years to 2.35% and 2.85% respectively, and the interest rates of the second set of individual housing provident fund loans for less than five years (including five years) and more than five years to not less than 2.775% and 3.325% respectively.

The Securities Times reporter found that after the central bank’s policy was released, housing provident fund centers in Beijing, Shanghai, Shenzhen, Guangzhou, Dongguan, Zhongshan, Jiangmen, Shantou, Suzhou, Hefei, Nanjing, Chengdu, Chongqing, Changsha, Zhengzhou and Hubei responded positively and lowered the interest rate of provident fund loans.

How much can lenders save after the interest rate is lowered this time? Take the first personal housing loan of housing provident fund with a term of 30 years as an example. If the repayment method of principal and interest is equal, the monthly payment will be reduced from 4,270.16 yuan to 41,355.57 yuan, a decrease of about 135 yuan, and the total interest expense will be reduced by 48,500 yuan.

The relevant person in charge of the Housing Provident Fund Supervision Department of the Ministry of Housing and Urban-Rural Development said that the most direct beneficiary is the housing provident fund lender. The Ministry of Housing and Urban-Rural Development will guide the urban housing provident fund management center to do a good job of policy convergence in accordance with regulations to ensure that depositors can enjoy preferential policies at the first time.

Guangdong lowered the interest rate of provident fund loans in many places.

On May 18th, Shenzhen Housing Provident Fund Management Center issued a document saying that the loan interest rate of Shenzhen housing provident fund was lowered. Article 23 of the Regulations on the Administration of Housing Provident Fund Loans in Shenzhen stipulates that after the issuance of provident fund loans, if the national provident fund loan interest rate is adjusted, the provident fund center shall adjust the loan interest rate quarterly. For individual housing provident fund loans issued in Shenzhen before May 18, 2024, the adjusted interest rate will be implemented from July 1, 2024. Personal housing provident fund loans that were applied for before May 18, 2024 but not issued, and personal housing provident fund loans that were applied for after May 18, 2024 (inclusive) shall be subject to the adjusted interest rate.

Guangzhou Housing Provident Fund Management Center announced on May 17 that since May 18, 2024, the interest rate of individual housing provident fund loans will be lowered by 0.25 percentage point, and the interest rates of the first set of individual housing provident fund loans for less than five years (including five years) and more than five years will be adjusted to 2.35% and 2.85% respectively, and the interest rates of the second set of individual housing provident fund loans for less than five years (including five years) and more than five years will be adjusted to not less than 2.775% and 3 respectively. For personal housing provident fund loans issued from May 18, 2024, the new interest rate will be implemented; For individual housing provident fund loans issued before May 18, 2024, the new interest rate will be implemented from January 1, 2025 according to the loan contract.

The Dongguan Housing Provident Fund Management Center also issued a notice on May 17, 2024, and individual housing provident fund loans issued after May 18 (inclusive) will be implemented at the adjusted new interest rate. The outstanding individual housing provident fund loans issued before May 18, 2024 will be implemented at the adjusted new interest rate from January 1, 2025.

Jiangmen City issued a notice. According to the Notice of the People’s Bank of China on Lowering the Interest Rate of Individual Housing Provident Fund Loans on May 17, 2024, the interest rate of individual housing provident fund loans in Jiangmen City will be adjusted as follows from May 18, 2024:

Interest rate of the first individual housing provident fund loan. For less than 5 years (including 5 years), it will be reduced from 2.6% to 2.35%, and for more than 5 years, it will be reduced from 3.1% to 2.85%.

The second set of personal housing provident fund loan interest rate. For less than 5 years (including 5 years), it will be reduced from 3.025% to 2.775%, and for more than 5 years, it will be reduced from 3.575% to 3.325%.

For individual housing provident fund loans issued before May 18, 2024, the new loan interest rate will be implemented from January 1, 2025.

Shantou Housing Provident Fund Management Center issued a notice on lowering the interest rate of individual housing provident fund loans, which proposed that individual housing provident fund loans issued after May 18, 2024 (including housing provident fund loans accepted but not released before May 18, 2024) should be implemented at a new interest rate of 2.35% for the first suite according to the interest rate of less than 5 years (including 5 years) and 2.85% for the interest rate of more than 5 years; The second suite is subject to the new interest rate of 2.775% for less than 5 years (including 5 years) and 3.325% for more than 5 years. For individual housing provident fund loans (including provident fund loans in discount loans) that have been lent before May 18, 2024, the new interest rate will be implemented from January 1, 2025.

According to the news released by Zhongshan, the adjusted interest rate will be implemented from January 1, 2025 for individual housing provident fund loans that have been issued before May 18, 2024. For individual housing provident fund loans that were applied for before May 18, 2024 but not issued, the adjusted interest rate of individual housing provident fund loans shall be implemented. Personal housing provident fund loans applied after May 18, 2024 shall be implemented according to the adjusted interest rate.

Beijing, Shanghai and other places are also lowered.

On May 18th, WeChat official account, the Shanghai Provident Fund, issued a notice on adjusting the loan interest rate of individual housing provident fund in this city. According to the decision of the People’s Bank of China, starting from May 18th, 2024, the loan interest rates of the first set of individual housing provident fund for less than five years (including five years) and more than five years were lowered to 2.35% and 2.85% respectively, and the loan interest rates of the second set of individual housing provident fund for less than five years (including five years) and more than five years were lowered to 2.775% and 2% respectively. The adjusted interest rate for loans issued after May 18, 2024 (inclusive); For loans issued before May 18, 2024, if the loan term is one year, the original loan contract interest rate will be implemented, and if the loan term is more than one year, the adjusted interest rate will be implemented from January 1, 2025.

According to Hubei Housing Construction News, as of this morning, 17 cities and states in Hubei have all lowered the interest rate of individual housing provident fund loans. For individual housing provident fund loans that have been issued before May 18, 2024, the original interest rate standard for individual housing provident fund loans will still be implemented, and the adjusted interest rate standard for individual housing provident fund loans will be implemented from January 1, 2025. For individual housing provident fund loans that have been accepted before May 18, 2024, the adjusted interest rate standard for individual housing provident fund loans will be implemented. For individual housing provident fund loans accepted after May 18, 2024 (inclusive), the adjusted interest rate standard for individual housing provident fund loans shall be implemented.

According to the news of the Central Broadcasting Network, the reporter called the Beijing Housing Provident Fund Management Center. The staff said that at present, Beijing has implemented a loan interest rate reduction. The staff further explained that the original personal housing provident fund loan interest rate standard is still implemented for personal housing provident fund loans that have been issued before May 18, 2024, and the adjusted personal housing provident fund loan interest rate standard will be implemented from January 1, 2025. For individual housing provident fund loans accepted before May 18, 2024 and accepted after May 18, 2024 (inclusive), the adjusted interest rate standard for individual housing provident fund loans shall be implemented. In addition, the staff of Beijing Housing Provident Fund Management Center introduced that the lender does not need to apply separately, and the loan interest rate will be automatically lowered. If the lender does not change the monthly repayment amount, it will be automatically calculated as overpaying the principal and underpaying the interest.

In addition, Suzhou, Hefei, Nanjing, Chengdu, Chongqing, Changsha, Taiyuan, Zhengzhou, Kunming, Jiangxi, Hainan and other places also issued notices that personal housing provident fund loans issued after May 18, 2024 (inclusive) will be implemented at the new interest rate. The unexpired individual housing provident fund loans issued before May 18, 2024 shall be implemented at the new interest rate from January 1, 2025.

However, there are also some places with different details, such as Suzhou, Nanjing and Taiyuan. For individual housing provident fund loans that were applied before May 18, 2024 but not issued, the adjusted interest rate of individual housing provident fund loans was implemented. Chengdu is a housing provident fund loan issued before May 18, 2024: if the loan term is more than one year, the loan interest rate will be adjusted on January 1, 2025; If the loan term is one year, the loan interest rate will not be adjusted.

How much money can you save by lowering interest rates?

According to china construction news news, the relevant person in charge of the Housing Provident Fund Supervision Department of the Ministry of Housing and Urban-Rural Development said in an interview that the housing provident fund has long provided low-interest housing loans to low-and middle-income groups to meet the housing needs of residents, which has been welcomed and concerned by the masses. Since the 18th National Congress of the Communist Party of China, the Ministry of Housing and Urban-Rural Development has implemented the decision-making arrangements of the CPC Central Committee and the State Council, actively played the role of housing provident fund, and solved the housing problem of depositors. Since 2012, a total of 12.9 trillion yuan of housing provident fund personal housing loans have been issued, and the loan balance has increased from 2.7 trillion yuan to 7.8 trillion yuan in 2023, supporting nearly 50 million depositors to live and live, of which more than 80% are buying the first home. In recent years, individual housing loans of housing provident fund have maintained steady growth year after year. In 2023, the loan balance increased by nearly 7%, and new loans increased by more than 24% year-on-year, which strongly supported the housing consumption of depositors.

In order to increase the support for depositors’ loans, in accordance with the relevant arrangements of the State Council, the Ministry of Housing and Urban-Rural Development actively studied and considered lowering the interest rate of individual housing loans for housing provident funds as a package of work to promote the stable and healthy development of the real estate market, and jointly promoted the implementation of policies with the People’s Bank of China. In order to put the policy in place, on May 17th, the Ministry of Housing and Urban-Rural Development issued the Notice on Doing a Good Job in Lowering the Interest Rate of Individual Housing Loans for Housing Provident Funds, guiding the local housing provident fund management agencies to implement it well, so as to effectively let the depositors enjoy this policy of benefiting the people.

The above-mentioned person in charge pointed out that the most direct benefit from the reduction of the loan interest rate is the housing provident fund lender. Take the first personal housing loan of housing provident fund with a term of 30 years as an example. If the repayment method of principal and interest is equal, the monthly payment will be reduced from 4,270.16 yuan to 41,355.57 yuan, a decrease of about 135 yuan, and the total interest expense will be reduced by 48,500 yuan. The benefits that buyers get are real.

The person in charge also said that the Ministry of Housing and Urban-Rural Development will guide the urban housing provident fund management center to do a good job of policy convergence in accordance with regulations to ensure that depositors can enjoy preferential policies in the first time.

Adjust the provident fund loan policy in many places

In addition, Shaanxi, Hangzhou and Hefei have also adjusted their provident fund loan policies.

On May 17th, Shaanxi Provincial Housing Fund Management Center issued the Notice on Adjusting the Relevant Policies of Housing Provident Fund Loans. According to the notice, if you use provident fund loans to buy a house for the first time, the down payment ratio is not less than 20%; After the first provident fund loan is settled, if you use the provident fund loan to buy a house again, the down payment ratio shall not be less than 25%. If you use provident fund loans to buy second-hand housing, the housing completion period shall not exceed 30 years, and the sum of the loan period and the housing completion period shall not exceed 40 years, and the longest loan period shall be 30 years. If families with two or more children use provident fund loans to buy houses, the maximum loan amount will be increased to 1.2 times on the basis of the current policy.

On May 17, Hangzhou Housing Provident Fund Management Committee issued a notice on the relevant policies to adjust the criteria for determining the number of housing units for families with housing provident fund loans. According to the notice, the number of family housing units shall be subject to the inquiry results or certification issued by the real estate management department where the house is purchased. Housing provident fund loans for the first and second suites are determined according to the number of family housing units and housing provident fund loans. Housing provident fund loans are subject to the query results of the housing provident fund supervision service platform of the Ministry of Housing and Urban-Rural Development. The down payment ratio policy for housing provident fund loans remains unchanged. The notice shall come into force on May 15, 2024. If the online signing date of the contract is on or after May 9, 2024, it shall be implemented in accordance with the provisions of this notice. The signing date of the online signing sales contract for new commercial housing shall prevail, and the signing date of the online signing transfer contract for second-hand housing shall prevail. If the contract has been signed before May 9, 2024, it shall be implemented according to the original credit policy.

On May 17th, the Office of Hefei Housing Provident Fund Management Committee issued the Notice on Adjusting the Maximum Loanable Amount of Individual Housing Provident Fund in our city. According to the notice, if the borrower’s family and husband and wife have paid the housing provident fund normally for six months, the maximum loan amount will be raised from 550,000 yuan and 650,000 yuan to 1 million yuan; If the borrower unilaterally pays the housing provident fund for 6 months, the maximum loan amount will be raised from 450,000 yuan and 550,000 yuan to 700,000 yuan. Families with many children who meet the policy purchase the first set of housing, and if the husband and wife normally pay the housing provident fund according to the regulations, the maximum loan amount will be raised from 750,000 yuan to 1.2 million yuan; If the housing provident fund is paid unilaterally according to the regulations, the maximum loan amount will be raised from 650,000 yuan to 840,000 yuan.

Proofreading: Wang Jincheng

　　Businessmen in China in the Southern Weekend have long known that it is necessary to seize business opportunities before it is too late. On November 11th, 2005, less than an hour after the announcement of Fuwa, the mascot of the Beijing 2008 Olympic Games, mascots began to be sold in the Beijing subway. Now, with the approaching of the Olympic Games, enterprises are playing Fuwa cards one after another, and Fuwa’s business is getting louder and louder.

　　Five little dolls set off a big wave. At the sales point of the Olympic mascots of Gongmei Mansion in Wangfujing, Beijing, the commodities with the theme of "Fuwa", the mascot of Beijing 2008 Olympic Games, can reach more than one million yuan a day on weekends when business is hot. One set of plush "Fuwa" is the best seller, although its price is not cheap, and it is priced in 390 yuan. Clothes, pens, schoolbags and key chains with Fuwa logo are also very popular.

　　Across the country, there are hundreds of special sales outlets selling Fuwa goods. There are more than 300 kinds of goods.

　　It is estimated that by 2008, the number of overseas tourists in Beijing will increase to 4.6 million, and during the Beijing Olympic Games in August 2008 alone, the number of foreign tourists may reach about 600,000, and the number of domestic tourists may reach 1.1 million. "Although tourists can’t say that everyone buys mascots, it is very sure that there is more than one per capita." An Olympic mascot marketing research expert said. The "Olympic Fuwa" is composed of five creative images: fish, panda, Olympic flame, Tibetan antelope and Jingyan. Their names are Beibei, Jingjing, Huanhuan, Yingying and Nini, which are homonyms for "Welcome to Beijing". This is the largest number of mascots in Olympic history.

　　According to the experience of previous Olympic Games, the income of mascots generally accounts for about 10% of the income of Olympic Games. Huang Wei, a marketing expert who participated in the market development of Atlanta Olympic Games and a senior consultant of Beijing Olympic economy, made a bold prediction in an interview with reporters earlier that due to the large number of Beijing mascots, its income will account for 15% or even higher of the total income of the Olympic Games. The direct sales of Fuwa goods may reach more than 4 billion RMB. "I have participated in the market development in Barcelona and Sydney, and there is no Olympic Games as enthusiastic as our China and Beijing." Huang Wei said.

　　抓福娃商机的快手

　　中国的商家已经懂得抓住商机要趁早的道理了。2005年11月11日，在北京2008年奥运会吉祥物福娃公布不到1个小时后，北京地铁就有吉祥物商品开始销售，速度之快令消费者吃惊。

　　就在福娃公布当天，可口可乐公司同步推出了5款奥运吉祥物纪念罐，160多万罐印有吉祥物形象的可口可乐纪念罐在全国21个城市同步上市。可口可乐(中国)饮料有限公司总裁包逸秋说，历届奥运会中，吉祥物都是最受民众欢迎的奥运元素之一。“可口可乐积极作为，在于看好奥运吉祥物独特感召力和影响力。”

　　上海均瑶集团下属的派瑞文化公司是奥运会的特许生产商。早在奥运会吉祥物揭晓的半年前，2005年6月份的时候，派瑞文化就获得了搪胶福娃和长绒福娃以及延伸产品的特许经营权，并很快进入产品的设计及生产阶段。“那几个月实在忙得不可开交。”派瑞文化副总经理倪庆丰告诉南方周末记者。

　　设计、生产、包装等一切环节都是在严格保密的情况下进行的，直到2005年11月11日福娃揭幕，派瑞文化生产的福娃商品，迅速在各个特许销售点面市。

　　As soon as Perry’s Fuwa products went on the market, they caused a wave of buying. "We didn’t expect to sell such a fire. This is a big test for our logistics. " Ni Qingfeng said that now their daily sales are about 200,000 yuan, of which more than 50% are toys.

　　After the first wave of sales boom, Perry Culture successively launched a series of Fuwa products, from "air-conditioned Fuwa" and "technical Fuwa" to more popular Fuwa building blocks, Fuwa puzzles and Fuwa jigsaw puzzles. While increasing the variety of products, Fuwa’s sales outlets are also gradually increasing, all of which are to prepare for the climax of Fuwa’s sales in 2008. At present, among all Fuwa products, the long-staple Fuwa of Perry culture is the best-selling one.

　　Since November 11th, 2005, more than 500,000 licensed products of Olympic mascots have been rapidly sold in licensed Olympic products all over the country. From the mascot highlighter, which is aimed at children’s consumption groups and costs only one in 8 yuan, to the global limited edition Jade Fuwa, which is priced at 290,000 RMB and made of Hetian jade in Xinjiang, the mascot products are rich in variety and cater to all types of consumers.

　　There are many kinds of mascots, including plush toys, plastic dolls and stationery, which are deeply loved by children. T-shirts, hats, bags, mobile phone chains and key chains that young people like; Precious metal commemorative medals and badges of interest to middle-aged people; Chinese knots, collar buttons, etc. that the elderly are keen on. It is understood that there are six categories and nearly 300 kinds of goods licensed for mascots, such as toys, clothing, bags, stationery, precious metal medals and badges.

　　At present, there are 18 Olympic retailers and nearly 200 licensed retail stores nationwide. According to industry sources, according to the plan of the Olympic Organizing Committee, a scale of 10,000 retail stores in China will be built before 2008.

　　Fuwa business chain

　　The industrial chain of Olympic products is mainly divided into three levels: BOCOG; Manufacturers of Olympic licensed products-under the authorization of the Olympic Organizing Committee, produce relevant Olympic products according to the requirements of relevant institutions and markets, and earn production and processing profits; Retailers of Olympic licensed products-selling Olympic products to consumers through these channels.

　　"The Olympic franchise project is our first big franchise project." Ni Qingfeng, deputy general manager of Shanghai Perry Culture Company, said. Through the production and sales of Fuwa, Juneyao Group formally intervened in the toy industry.

　　Shuguang Printing Group is supporting the production of Fuwa of Perry Culture. They are responsible for the packaging of Fuwa-related products. Their orders come from Perry Culture. They obtained the printing right and the first batch of 15,000 packaging orders half a month before the mascot was announced, and they were also required to keep it strictly confidential. Fuwa’s packaging may not be more profitable than other products, but for Shuguang, it is more an honor to produce such products. Zhu Shili, president of Shuguang Printing Group, said: "By 2008, undertaking the outer packaging of Olympic gifts will bring the company nearly 300 million yuan in orders." From the previous sales momentum, the final order may be far more than that.

　　As the Olympic mascot belongs to the core area of the Olympic economy, the Olympic Organizing Committee has set a high entry threshold for production enterprises, and it also requires certain competitiveness. So far, Zhejiang Junyao Group has won the production qualification of Fuwa plastic toys, Zhejiang Beifa Group has obtained the production materials of Fuwa pen products, Wenzhou Shuguang Printing Group has obtained the designated printing right of Fuwa, and Zhejiang Wanshili Group has obtained the exclusive production qualification of silk mascots. From the scale of these enterprises, we can know that their entry threshold is high.

　　Finally, the sale of Olympic mascots. As for the sales management of Olympic mascots, BOCOG has adopted a special scheme: on the basis of 28 licensed retail stores nationwide, more than 160 temporary sales outlets will be added, covering nearly 30 provinces, autonomous regions and municipalities directly under the central government, cities with separate plans and other key consumer goods cities. For these temporary sales points, BOCOG issued temporary sales authorization certificates, and each authorization period was 3 months. Although three months is a short time, it also provides more opportunities.

　　Because the Olympic franchise will be opened to individuals only after 2008, many Wenzhou people who are eager to taste the Olympic business opportunities choose to become dealers of Olympic franchisees. For example, Ji Hongbao, a Wenzhou native who is doing business in Beijing, negotiated with Wangfujing Group in 2005 to win the right to operate the Olympic mascot counters of Wangfujing Department Store outside Beijing, and successively opened nine counters in Wangfujing Department Store in Chengdu, Guangzhou, Changsha, Chongqing and Xining.

　　The registration fever caused by the "Fuwa" effect also brought the derivative value of the "Fuwa" brand to a climax. In 2005, less than a day after the mascot of the Olympic Games was unveiled, the Chinese (English) domain name and universal website of "fu wa" were registered. The "Fuwa" trademark was registered seven years ago, among which five companies registered 11 Fuwa trademarks, including more than 100 items, of which the brand value of one Fuwa has reached 200 million yuan. According to Hubei Yinxin Company, which first registered the trademark of Fuwa, after the release of the Olympic mascot Fuwa, its product sales increased by at least 20%.

　　A well-known example is Panpan Group, which used the mascot of the 1990 Beijing Asian Games as its trademark. It was with its popularity that it developed into the largest manufacturer of steel doors and windows in Asia in just four years.

　　The BOCOG has taken full precautions against trademark registration. According to the person in charge of the legal affairs department of the BOCOG, the mascot of the Beijing Olympic Games has been patented in most countries and regions in the world, and it has kept close contact with industry and commerce, customs, urban management and other units, and measures will be taken immediately in case of counterfeit mascots.

　　However, this still can’t stop piracy. In Beijing’s overpasses, near stations and other places where people’s traffic is concentrated, Fuwa plush toys on the street stalls are only sold in 10 yuan, which is far cheaper than similar genuine toys. Whether this can impact the sales potential of 4 billion yuan of Fuwa goods predicted by experts is still unknown.

　　Get rid of "making money at a loss"

　　Mascots first appeared in the 20th Olympic Games held in Munich in 1972. At that time, artists from the Federal Republic of Germany carefully designed a design of a small hunting dog as a symbol of the Games.

　　Since then, with the Olympic Games gradually changing the situation of "losing money to earn money", the Olympic economy has gradually been discovered, and the commercial value behind any industry related to the Olympic Games has attracted more and more attention. As a result, mascots have become an indispensable product of the Olympic Games.

　　In 1984, when the business-minded Americans held the 23rd Olympic Games in Los Angeles, they began to dig the first pot of gold in the mascot. Ueberroth, the main person in charge of the Los Angeles Olympic Games, authorized Los Angeles garment manufacturers to produce garments with Olympic symbols and mascots, which made these manufacturers earn nearly 10 million dollars.

　　The Spanish are not to be outdone. During the Barcelona Olympic Games held in 1992, the Spanish government provided a full set of packaging for the mascot of the Olympic Games, including making several Cobi books and TV series specially for it, and even letting it visit Hollywood, and its value soared from the initial few dollars to several thousand dollars. From this point on, the commercial influence of mascots began to break away from pure competition activities and mascot sales, and entered the media industry.

　　In recent Olympic Games, the trend of setting up multiple mascots has intensified. In the 2000 Sydney Olympic Games, three mascots were designed: Aoli, Said and Millie, and the sales reached 213 million US dollars. Athena and Fevos, the mascots of the 2004 Athens Olympic Games, brought Athens a profit of $201 million.

　　How much will the mascot of the 2008 Beijing Olympic Games benefit China’s economy? As soon as the licensed goods plan of Beijing Olympic Games was launched, mascots became a protagonist of this plan. In the coming year of Beijing Olympic Games and in the next few years, mascots will be widely used in various souvenirs, and the economic benefits of mascots will gradually become prominent.

Editor: Xu Guimei

　　CCTV News:On July 21st, the Emergency Management Department held a regular press conference in July.

　　The reporter from CCTV Financial Channel at Headquarters asked: What are the main objectives and tasks set by the National Comprehensive Disaster Prevention and Mitigation Plan during the Tenth Five-Year Plan? What are the highlights? Thank you!

　　Chen Sheng, Director of the Monitoring and Disaster Reduction Department of the Emergency Management Department, responded that the overall goal of the Plan anchored the 14th Five-Year Plan for China’s national economic and social development and the outline of the long-term goal in 2035. From the first stage to 2025, a natural disaster prevention and control system with overall planning and high efficiency, clear responsibilities, combination of prevention and control, social participation and coordination with high-quality economic and social development will be basically established; In the second stage, we will strive to basically modernize the natural disaster prevention and control system and prevention and control capacity by 2035, and the prevention and response to major disasters will be more powerful, orderly and effective.

　　Under the overall goal, the Plan defines 6 sub-goals and 2 major sections and 12 major tasks.

　　First, around the improvement of institutional mechanisms, on the one hand, we will strengthen standardization, revise and improve laws and regulations on disaster prevention and mitigation, establish and improve the investigation and evaluation system for major and extraordinary disasters, improve all kinds of disaster emergency plans and standards and norms in various fields, on the other hand, we will strengthen mechanism construction, establish and improve the comprehensive coordination mechanism for natural disaster prevention and control, and improve the work pattern of joint management and coordination.

　　Second, focus on disaster risk reduction, highlight source control, incorporate disaster risk assessment into the requirements of national spatial planning, build a national comprehensive risk database of natural disasters, and prepare a comprehensive risk map and a prevention and control zoning map. The public coverage of early warning information will reach 90%, and the average annual death rate per million people will be controlled within 1, and the average number of people affected by disasters per 100,000 people will be less than 15,000, so as to minimize disaster risks.

　　Third, focus on efficient disaster relief, set up a central disaster relief material reserve, improve the emergency response mechanism and various rescue policies, strengthen the linkage between early warning and emergency response, effectively help the basic livelihood of the affected people within 10 hours of the disaster, and effectively ensure the safety of the people’s lives in the first place.

　　Fourth, focus on consolidating the foundation of disaster prevention and mitigation, deploy major projects to build scientific and technological support capacity for disaster prevention and mitigation, encourage the development of disaster prevention and mitigation industries, consolidate the grass-roots organization system for disaster prevention and mitigation, and extensively carry out popular science education on disaster prevention and mitigation. Every village (community) in urban and rural areas throughout the country has at least one disaster information officer.