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　　BEIJING, Feb. 15 (Xinhua)-Liang Tao, vice chairman of China Banking and Insurance Regulatory Commission, said on the 15th that China Banking and Insurance Regulatory Commission will increase its support for small and micro private enterprises in trouble. Focusing on the overall requirements of increment, expansion, price reduction and quality improvement, we will ensure that the overall credit growth of small and micro enterprises is not affected by the epidemic.

　　Data Map: Bank of China Insurance Regulatory Commission. China News Service reporter Jia Tianyong photo

　　The State Council held a press conference on the morning of 15th to deal with the joint prevention and control mechanism of pneumonia in novel coronavirus. A reporter asked: What policies or measures are there to support the enterprises that are greatly affected by the epidemic? What support measures are there for enterprises in non-key areas of epidemic prevention and control?

　　Liang Tao responded that since the outbreak of the epidemic, banking institutions have provided differentiated, targeted and preferential financial services to areas, industries and enterprises greatly affected by the epidemic, and given strong support through credit restructuring and reduction of overdue interest according to specific conditions, instead of blindly lending, cutting off loans and pressing loans. Many banks have introduced policies to reduce loan interest and waive relevant fees, especially to give great support to key enterprises in epidemic prevention and control. Recently, China Banking and Insurance Regulatory Commission has carried out serious research on the impact of the epidemic, and has also made good policy reserves. Some new measures will be introduced in the near future, not only for key industries affected by the epidemic, but also for various enterprises in various industries.

　　Liang Tao said that the next step is to do a good job in four aspects.

　　First, increase support for small and micro private enterprises trapped. The first is to focus on the overall requirements of increment, expansion, price reduction and quality improvement to ensure that the overall credit growth of small and micro enterprises is not affected by the epidemic. The second is to strive for the comprehensive financing cost of loans for inclusive small and micro enterprises this year to continue to decline on the basis of 2019. The third is to focus on the changes in financing needs of small and micro enterprises to cope with the epidemic and rationally optimize and simplify business processes. The fourth is to renew the loan more accurately. Everyone is more concerned about renewing loans and alleviating the liquidity pressure of trapped small and micro enterprises. Fifth, according to the needs of the epidemic, we should further implement the relevant systems of risk management and due diligence and exemption, and improve the enthusiasm of grassroots for lending. This issue is very important, and it will push the head office of the bank to moderately increase the tolerance of non-performing loans for branches seriously affected by the epidemic.

　　The second is to increase the credit guarantee and investment for the resumption of work and production in key areas. Guide financial institutions to further increase credit support for enterprises to resume work and production, further increase the proportion of enterprise credit loans and medium and long-term loans, and keep financing costs at a reasonable level. We will reasonably increase the loan support of working capital for the capital demand of purchasing raw materials and equipment that enterprises may face when they resume work and production. It is necessary to guide institutions to play the baton of performance appraisal, consider incorporating the support for the resumption of production in key areas such as manufacturing, small and micro enterprises and private enterprises into the evaluation index system in an appropriate way, or rationally adjust the evaluation weight to stimulate the enthusiasm of grassroots outlets and front-line business personnel.

　　The third is to accelerate the construction of a number of key projects. First of all, we should give better play to the countercyclical adjustment function of policy finance, speed up the pace of credit supply, reasonably increase the scale of RMB loans and bonds issued by policy financial institutions in 2020, optimize the regional credit structure, focus on major projects in key areas, and speed up the credit supply for a number of major projects. Second, study and use the recovered special construction funds to support major areas such as manufacturing, increase the intensity of new investment projects, and actively supply funds for projects under construction.

　　Fourth, efforts should be made to stabilize residents’ consumption and accelerate the release of potential demand. Urge banking institutions to take the initiative to accept the financial needs of services such as wholesale and retail, accommodation and catering, cultural tourism, transportation and logistics that are seriously affected by the epidemic, develop exclusive credit products, promote the upgrading and expansion of service consumption, expand the consumption of physical goods, enhance the scalability and convenience of services, and accelerate the release of new consumption potential.

　　In response to a reporter’s question, Xuan Changneng, deputy director of the foreign exchange bureau, said that the current epidemic prevention and control has entered a critical stage. According to the decision-making and deployment of the CPC Central Committee and the State Council, the joint prevention and control mechanism of the State Council has put forward clear requirements for effectively strengthening scientific epidemic prevention and control and doing a good job of enterprises’ resumption of work and production in an orderly manner. The foreign exchange bureau system will do a good job with a high sense of responsibility and mission, and provide strong support for enterprises to resume work and production and restore social and economic order.

　　First, open up a "green channel" for foreign exchange business, and efficiently and conveniently serve enterprises to resume work and production. For the overstocked trade and investment activities affected by the epidemic, the import and export of key materials needed by enterprises in the process of resuming production, and various foreign exchange businesses involved in expanding the supply of key epidemic prevention materials production and circulation enterprises, the foreign exchange bureau will guide banks to handle special affairs and emergencies quickly, simplify the handling procedures, speed up the handling, support the resumption of trade and investment activities as soon as possible, and strengthen support for Hubei and key industries and enterprises.

　　Second, we will speed up the implementation of the 12 trade and investment facilitation measures adopted by the the State Council Standing Committee, including six cross-border trade facilitation measures, such as expanding the pilot of trade foreign exchange receipts and payments, simplifying the procedures of goods receipts and payments of small and micro cross-border e-commerce enterprises, and optimizing the reporting methods of goods foreign exchange business, as well as six cross-border investment and financing facilitation measures, such as expanding the pilot of capital account income payment, reforming the registration and management of foreign debts of enterprises, and canceling the limit on the number of foreign exchange accounts opened in capital accounts. From the actual effect, since the introduction of these facilitation measures, the time and labor costs for enterprises to handle related businesses have been greatly reduced, cross-border trade investment and financing have become more convenient, the business environment has been further optimized, and trade investment and the development of the real economy have benefited. In the next step, combined with the current epidemic situation and the actual needs of returning to work and production, we will continue to accelerate the implementation of 12 facilitation measures, and focus on doing a good job in industries and enterprises seriously affected by the epidemic, especially private enterprises and small and medium-sized enterprises.

　　Third, supported by technical means, it is convenient for small and medium-sized enterprises to invest and finance cross-border trade and foreign exchange settlement. On the one hand, strengthen the construction of cross-border financial blockchain service platform to alleviate the financing difficulties and expensive financing problems of SMEs. In March last year, the foreign exchange bureau began the pilot work of the cross-border financial blockchain service platform. As of February 3 this year, the pilot scope has been expanded to 22 provinces, autonomous regions and municipalities, and more than 170 corporate banks have joined independently. The platform has completed financing and lending of 15.9 billion US dollars, and there are nearly 2,500 service enterprises, of which SMEs account for 75%. Since the Spring Festival holiday, the platform has completed a total of 171 financing loans with more than 200 million US dollars and 87 service enterprises. In particular, Hubei was included in the pilot platform in January this year, and foreign-related enterprises, especially small and medium-sized enterprises, under Hubei’s jurisdiction will also enjoy more preferential and convenient conditions in terms of financial and credit support such as export trade financing. On the other hand, we will continue to simplify the procedures of goods trade receipts and payments of small and micro cross-border e-commerce enterprises, further facilitate cross-border electronic commerce settlement, guide banks and payment institutions to provide electronic payment services under current account for market entities based on transaction electronic information, further facilitate cross-border e-commerce trade settlement of small and medium-sized enterprises, and improve the efficiency of fund settlement of small and medium-sized enterprises.

　　The fourth is to optimize foreign exchange business and handle convenience measures. The operation process of "Online Handling System for Government Affairs Services of the State Administration of Foreign Exchange" was issued to facilitate the public to handle foreign exchange administrative licensing through online channels.

January 7th, IT House News bilibili officially announced the list of top 100 UPs of BILIBILI POWER UP 2019 today. From the three dimensions of creativity, influence and word of mouth, 100 UP owners with outstanding performance in the past year were selected.

It is reported that there are many newcomers, such as "Hello teacher, my name is He", "Next to Zhe Bie", "Brother Daxiang is here" and "zettaranc". Bilibili will hold the 2019 UP Award Ceremony on January 18th at Shanghai Oriental Sports Center.

Which UP owners have you paid attention to?

　　● In order to protect the legitimate rights and interests of financial consumers, standardize the behavior of financial institutions in providing financial products and services, maintain a fair and just market environment, and promote the healthy and stable operation of financial markets, the central bank recently issued the "Implementation Measures for the Protection of Financial Consumers’ Rights and Interests of the People’s Bank of China (Draft for Comment)", which is open to the public for comments.

　　● With the rapid development of the financial industry, especially the Internet finance, ordinary people borrow in a wider range and in more ways, which gradually exposes some problems existing in the debt collection industry.

　　● To standardize the debt collection industry, it is necessary to establish unified norms and requirements for the qualification, collection process and follow-up evaluation of collection agencies, and at the same time draw a red line and clarify the punishment measures. In addition to further improving relevant systems, we should also form an all-round regulatory framework, including defining regulatory agencies and regulatory rules.

　　Our reporter Du Xiao

　　Intern of our newspaper, Yang Meijie

　　In order to protect the legitimate rights and interests of financial consumers, standardize the behavior of financial institutions in providing financial products and services, maintain a fair and just market environment, and promote the healthy and stable operation of financial markets, the central bank recently issued the Implementation Measures of the People’s Bank of China for the Protection of Financial Consumers’ Rights and Interests (Draft for Comment) (hereinafter referred to as the Draft for Comment), which is open to the public for comments, and the deadline for feedback is January 25th.

　　The "Draft for Comment" intends to stipulate that financial institutions shall not collect debts from financial consumers in a way that violates laws and regulations, social ethics or harms the public interests, and shall not harm the legitimate rights and interests of financial consumers or third parties. Where a financial institution entrusts a third party to recover debts, it shall explicitly prohibit the trustee from using the recovery method mentioned in the preceding paragraph in a written agreement, and supervise the trustee’s collection behavior.

　　In recent years, with the development of social economy, the consumer credit market has also expanded rapidly, and the subsequent problem of third-party debt recovery has increasingly attracted social attention. In this regard, the "Legal Daily" reporter interviewed.

　　There are many problems in debt collection.

　　Violent collection is suspected of breaking the law

　　Recently, some users complained on the consumer service platform of a well-known website that a bank’s credit card was harassed by third-party collectors after it was overdue. On the same day, two people who claimed to be authorized by a bank went to the door to collect money directly and made a loud noise in the corridor of the community. After the user refused to open the door, one of them held up a video of his mobile phone, saying that the user refused peace talks and had a bad attitude.

　　The user thinks that he owes money to the bank, and the bank has not told him to authorize a third party to collect money, let alone what power the bank has to authorize?

　　The "Legal Daily" reporter noted that this situation is not a case. Some users complained that a loan company said, "I am constantly harassed and collected by phone" and "I give my personal privacy information to other collection companies". "App is a overlord clause, and I don’t agree to read the address book or personal privacy information and don’t allow it to be used".

　　Some users complained about a large-scale online platform consumer loan, saying: "I borrowed money in installments on a certain platform, and the repayment amount in this period was 4,114.89 yuan, which was three days overdue because my salary was not paid in time. Many times, I negotiated with a certain platform that the repayment plan was fruitless. I directly asked for a collection and added me to WeChat, threatening me to violently collect it. "

　　According to the statistics of payment business released by the central bank, as of the end of the third quarter of 2019, the total amount of bank card credit nationwide was 16.99 trillion yuan, an increase of 4.11% from the previous month; The total outstanding credit of credit cards overdue for half a year was 91.916 billion yuan, accounting for 1.24% of the credit balance of credit cards, accounting for an increase of 0.08 percentage points compared with the end of last quarter.

　　Yin Zhentao, deputy director of the Law and Finance Research Office of the Institute of Finance of China Academy of Social Sciences, believes that with the rapid development of the financial industry, especially internet finance, ordinary people borrow more and more ways, which gradually exposes some problems in the debt collection industry.

　　The reporter of "Legal Daily" searched a large credit inquiry website with "collection" as the key word and found that many companies provide this service. At the same time, the problem of violent collection has attracted increasing social attention.

　　On October 21, 2019, 51 credit cards, a Hong Kong-listed company, were raided by the police at their office in Hangzhou. In the evening, the Hangzhou police issued a notice saying that the reason why the 51 credit card was raided was that the outsourcing collection company entrusted by it pretended to be a state organ and used soft and violent means such as intimidation and harassment to collect debts, which was suspected of causing trouble.

　　The founder of 51 Credit Card made a voice on the personal Weibo and apologized, saying that "because of our imperfect management, especially the lack of training and supervision of cooperative companies, there were some excessive behaviors in the process of contacting and communicating with borrowers".

　　Judging from the related cases uncovered in recent years, the impact of violent collection is very bad.

　　On March 28, 2019, Haikou Intermediate People’s Court held a public hearing in accordance with the law to hear 18 cases involving Zhao Jianhao and others. It is understood that the main members of the organization are stable, with a clear division of labor and distinct levels. Under the cover of setting up a small loan company, loans are used to support the black, and loans are protected by the black. Through the mode of "routine loans" and "underground law enforcement teams", illegal loans, violent collection and employment are used to help others collect execution accounts, and many criminal activities such as robbery, extortion and trouble-making are organized, involving 247 million yuan.

　　In July 2019, the police in Fuzhou, Jiangxi Province cracked a new type of black-related and evil-related case that threatened by sending wreaths and urns, thus achieving dunning and defrauding money. On July 4, Mr. Li, a citizen of Taicang City, Jiangsu Province, received a strange phone call saying that he would send a wreath and an urn to his home. Mr. Li, who had used online loans, immediately reported the case to the police. After investigation by the local police, it was found that the borrower was He Mou, a native of Linchuan, Fuzhou. On July 18, the police of the Criminal Investigation Brigade of Linchuan Branch of Fuzhou Public Security Bureau arrested the people involved by arranging.

　　In the interview, Professor Liu Shaojun, director of the Financial Law Research Center of China University of Political Science and Law, believes that the existence of illegal lending institutions is one of the reasons for the debt collection industry problems.

　　Lack of collection industry norms

　　In a state of gray survival

　　The Draft for Comment intends to stipulate that financial institutions should establish and improve the whole process control mechanism involving the protection of financial consumers’ rights and interests, and ensure the effective implementation of the relevant provisions and requirements of the protection of financial consumers’ rights and interests in all business links such as the design and development, marketing promotion and after-sales management of financial products and services.

　　"Illegal lending institutions clearly know that borrowers have no repayment ability, but also lend, the purpose is to plunder the borrower’s property, which belongs to predatory lending. It can be said that most illegal lending institutions have adopted such a form of" routing loan ". There are also some small loan companies, the lending process is not strict, as newly established financial institutions, risk management is not in place, which leads to a higher non-performing loan rate. Such financial institutions have a strong collection of loans, and sometimes they will take some unconventional measures, which is also a reason for the violent debt collection. " Liu Shaojun said.

　　In addition to the lenders, Liu Shaojun believes that some borrowers’ underestimation of loan risks and eventual inability to repay are also important reasons for violent debt collection.

　　"As far as corporate loans are concerned, some corporate borrowers blindly develop and expand. As long as financial institutions lend them money, they dare to borrow as much as possible. As business operators, they should predict the future risks, but many business operators have obvious defects in this respect. For some ordinary borrowers, the risk of borrowing is also underestimated. For example, some young people, no matter how many loans they make at will, do not consider their repayment ability, which may also cause more serious problems. " Liu Shaojun said.

　　Liu Shaojun told the reporter of the Legal Daily that there are still some people who exploit the loopholes in the social credit system, such as deliberate evasion of debts, which has led to an abnormal development track of the debt collection industry for various reasons.

　　Yin Zhentao believes that the core problem of debt collection industry is the lack of clear rules. The problem of collection is indeed inevitable in the development of the financial industry, which is closely related to social stability and the rule of law. Without clear rules, the debt collection industry is not easy to get on the right track. "The existing standards or norms for debt collection are not very systematic and lack more authoritative provisions."

　　"From a legal point of view, there are no specific provisions for debt collection at present. It can only be said that there are some scattered and emergency provisions in criminal law and civil law, and there are no systematic provisions. For a long time in the past, debt collection was in a state of gray survival, and basically no one recognized it as an industry. Only when the collection behavior constitutes a crime will it be regulated and punished. If the collection behavior does not constitute a crime, it can be said that it is in a blind spot of supervision. " Liu Shaojun said.

　　Improve the system and strengthen supervision.

　　Promote the benign development of the industry

　　Before the release of the "Draft for Comment", the relevant departments have repeatedly issued relevant regulations to vigorously regulate the debt collection industry.

　　As early as 2009, the former China Banking Regulatory Commission issued the Notice on Further Regulating Credit Card Business, which stipulated that banking financial institutions should prudently implement outsourcing of collection. Banking financial institutions that implement the outsourcing of collection should establish corresponding business management systems, and specify the selection criteria, business training, legal responsibilities and economic responsibilities of the collection outsourcing institutions. The selected collection outsourcing institutions should be reviewed and approved by the senior management of the domestic headquarters of the institution, and a collection outsourcing contract with perfect management and clear responsibilities should be signed, and the commission should not be paid simply by way of royalty from the amount recovered from arrears.

　　At the same time, it is stipulated that banking financial institutions should continue to pay attention to the financial status, personnel management, business processes, work conditions and complaints of the collection outsourcing institutions, so as to ensure that the collection outsourcing institutions carry out relevant business in accordance with the management requirements of their own institutions. If the collection outsourcing agency damages the legitimate rights and interests of debtors or other relevant personnel due to poor management of collection outsourcing, banking financial institutions shall bear the corresponding outsourcing risk management responsibilities. The regulatory authorities will investigate the responsibilities of relevant banking financial institutions and personnel according to the situation, and take prudent regulatory measures such as ordering rectification within a time limit, restricting, suspending or stopping their new credit card issuance business, and implementing other corresponding administrative penalties according to the severity.

　　In 2017, the Office of the Leading Group for the Special Remediation of Internet Financial Risks and P2P Online Loan Risks issued the Notice on Standardizing and Rectifying the "Cash Loan" Business, requiring all kinds of institutions or entrusted third-party institutions not to collect loans through violence, intimidation, insult, defamation and harassment.

　　In October 2019, the Supreme People’s Court, the Supreme People’s Procuratorate, the Ministry of Public Security and the Ministry of Justice jointly issued the Opinions on Several Issues Concerning Handling Criminal Cases of Illegal Lending, which stipulated that in order to forcibly demand debts arising from illegal lending, intentional homicide, intentional injury, illegal detention, intentional destruction of property, and trouble-making should be punished for several crimes. Assembling, instigating, and hiring others to demand debts by means of harassment, entanglement, hubbub, and gathering people to create momentum, which does not constitute a crime alone, but the implementation of illegal lending has constituted the crime of illegal business operation, it shall be given a heavier punishment as appropriate in accordance with the provisions of the crime of illegal business operation.

　　Liu Shaojun believes that to promote the benign development of the debt collection industry, we must first recognize the existence of the debt collection industry and supervise and standardize it. With the development of social economy, the volume of debt collection will be relatively large, and there will be more business, which is actually an existing industry. The "Draft for Comment" issued this time has obvious positive significance for regulating the debt collection industry. In the future, it is necessary to further establish and improve the industry norms for debt collection.

　　Yin Zhentao believes that to standardize the debt collection industry, it is necessary to establish unified norms and requirements for the qualification, collection process and follow-up evaluation of collection agencies, and at the same time, to draw a red line and define the punishment measures.

　　"In addition to further improving relevant systems, it is also necessary to form a comprehensive regulatory framework, including clarifying regulatory agencies and regulatory rules." Yin Zhentao said that in the specific supervision and law enforcement process, scientific and technological means can be used to record and mark the collection process, so as to find problems in time, which is very necessary for regulating the debt collection industry.

　　Yin Zhentao suggested that the most important point of the "Draft for Comment" issued this time is to prohibit violent collection, strictly regulate the problems that may be involved in the debt collection process, and consider introducing special collection management measures in the future.

Ideal L series is under a bit of pressure this year, with competitors coming out one after another. They also have refrigerators, color TVs, big sofas and even some models, and the prices are much lower than ideal.

Deep blue S09

The body size is more than 5.2 meters, which is equivalent to the models such as, but the pre-sale price is only 239,900.It is equal to buying L9 at the ideal price of L6.The successful elements of the ideal L9 are basically found in the deep blue S09, such as the refrigerator, the rear TV and the zero-gravity seat.

In terms of intelligent driving, the dark blue S09 is even better than the ideal L9, and it is used.Huawei gankun ADS 3.0, including the lidar. Although the ideal smart driver also belongs to the first echelon, it is still no match for Huawei in the first echelon.

In terms of power, it is equipped with a 1.5T super extended range 2.0 system. The four-wheel drive version accelerates for 5.9 seconds, and the battery life is 180km(WLTC). The fuel consumption is as low as 5.5L/100km.

Tengshi N9

The car is more than 5.2 meters long.Also take the ideal L9 as a competitor.However, the style of play is not the same as the deep blue S09 above, and it is not won by the ultimate cost performance. The price of Tengshi N9 goes to 389,800.

Tengshi N9 is playing the technical card.The whole system comes standard with easy three-way technology, which means that it can complete difficult movements such as compass turning and is equipped with rear wheel steering, which can greatly reduce the pressure on users to drive a "big car".

In terms of intelligent driving, Tengshi N9 adopts the scheme of Eye of God B, equipped with lidar and 32 sensors, and supports functions such as city navigation without map, high-speed AEB braking (120km/h) and night AEB(110km/h).

Chuanqi yearns for S7.

The length of the car body is about 4.9 meters.Close to the ideal L6. The positioning of this car is similar, without the third row, and it belongs to a five-seat model.

This car adopts a cost-effective strategy, and the entry price is 175,800, which is far lower than the ideal L6′ s 249,800. Moreover, the back row enjoys higher than the ideal L6, and the back row has the configuration that the ideal L6 does not have, such as foot rest and ceiling screen.

The strategy is clear,The price is lower than the ideal L6, but the configuration level of the car can be better than the shoulder L7 or even L8.

Wen Jie M8

In 2025, the biggest threat to the ideal opponent should be it. Thanks to Huawei’s endorsement, the brand appeal of the world is no less than ideal. The cleverness in size is playing Tian Ji horse racing.The size is between ideal L8 and L9, avoiding direct confrontation.

Everyone has a refrigerator, a color TV and a big sofa. The remarkable advantage of M8 in the world is Huawei empowerment. HarmonyOS system is used for the vehicle, and Huawei scheme is used for the intelligent driving. Although /L9 is not bad in these two aspects, it is still slightly inferior to Huawei.

No wonder the 872-hour order has reached 44,000, and there is a high probability that after M7 and M9, there will be another model that can sell more than 10,000 cars a month.

Ledao L90

In view of the high-end image, Weilai did not go directly to the ideal L series in the past, but in the brand of Ledao, there is no such burden.

L90 is the second model of Ledao brand, with a size of more than 5.1 meters.Between ideal L8 and L9.. At present, it is speculated that the starting price of this car will be around 250,000. Even compared with the ideal L8, it has obvious advantages in price.

Backed by Weilai, the natural advantage is the ability to exchange electricity and the BaaS purchase division developed from electricity exchange.In addition, the front case of Ledao L90 is very huge.It is huge enough to be used as a sofa to sit on.

However, unlike the models mentioned in this issue, Ledao L90 has only pure electricity at present, and there is no oil-electric model. As mentioned above, it is not a problem at all to replenish energy for the cars of Weilai system, and changing electricity is faster than refueling.

　　20.09 billion pieces! According to the monitoring data from the State Post Bureau, as of March 8, China’s express delivery business exceeded 20 billion pieces this year, 72 days ahead of 2019 and 6 days ahead of 2022. The endless stream of logistics traffic, rain or shine courier brother, and express parcels over mountains and mountains are vivid portrayal of the vigorous vitality and strong power of the express delivery industry, and also a powerful footnote for the consumer market with strong resilience and sufficient potential.

　　The logistics industry is connected with production at one end and consumption at the other end, which is called the "barometer" of economic development and consumption vitality. The fast and slow growth of scale reflects the supply and demand of economic operation. In February of this year, China’s express delivery development index was 254.8, up 11.1% year-on-year, constantly running out of new "acceleration". On the production side, some express delivery companies directly cooperate with production companies and extend to the upstream and downstream of the industrial chain to help enterprises reduce costs and increase efficiency in the whole process. On the demand side, the express delivery industry is accelerating its integration with all walks of life, and constantly improving warehousing, distribution and distribution. From flowers, hairy crabs and cold-water fish that require "freshness, quickness and quality", to medicines that require precise temperature control, and then to bulky goods such as household appliances, furniture and industrial accessories, consumers can meet their consumption needs and enjoy a better life without leaving home.

　　Economic development, logistics first. Insufficient total demand is a prominent contradiction facing the current economic operation. An important aspect of expanding domestic demand is to open up the "aorta" and smooth the "microcirculation" so as to realize the benign operation of social reproduction. In Xiamen, Fujian, e-commerce sellers moved the live broadcast room into the express warehouse distribution center. After consumers photographed their favorite goods, the express delivery company immediately delivered them from the warehouse. This brand-new "warehouse broadcast" mode improved the timeliness of the traditional mode by one to two days. In Shenyang, Liaoning Province, Northeast Transit Center introduced the most advanced automatic sorting equipment in the industry, and the development scale, service level, innovation ability and competitive strength have continuously achieved new leaps. The rapid recovery of the industry’s prosperity will help accelerate the release of market demand and the full inflow of development vitality, and inject momentum into ensuring the smooth circulation of the national economy.

　　At the same time, we should also see that there is still a lot of room to be tapped to restore and expand consumption. In the past ten years in the new era, China has basically built a postal express network covering the whole country, going deep into the countryside and reaching the world. At present, more than 100 million express parcels flow in rural areas every day, further smoothing the channels for industrial products to enter the village and agricultural products to leave the village and enter the city. Better promote the flow of urban and rural resource elements, accelerate the decline of consumer goods, help agricultural products to go up, connect the county and rural e-commerce system and express logistics distribution system, and constantly improve the cooperative service model of "logistics+rural e-commerce", so as to enhance rural consumption capacity, improve rural consumption conditions, innovate rural consumption scenarios and fully stimulate rural consumption potential.

　　Small express, connecting thousands of cities and industries, smoothing both ends of supply and demand, reflects the strong vitality of China’s economy. It is on the express delivery network extending in all directions and in the rapid flow of goods that China’s economic and social development has made steady progress and the people’s good life has become a reality. Looking forward to the future, the basis for the sustained recovery of the consumer market has not changed, and the momentum of high-quality economic development has not changed. Let the logistics industry play a greater role in protecting people’s livelihood, promoting production, smoothing circulation and stabilizing employment, and it will certainly enhance market vitality, enhance development momentum and solidly promote the overall improvement of economic operation.

　　It is planned to convert shares to absorb the merged Midea Electric Appliances. The conversion price of Midea Electric Appliances is 15.96 yuan/share, and the conversion ratio is 0.3582:1.

　　Midea Electric (000527) is about to celebrate the 20th anniversary of its listing, and it has put forward a plan to realize the overall listing of the group by absorption and merger.

　　Share swap and merger of listed companies

　　According to the announcement issued by Midea Electric today, Midea Group plans to issue A shares, and the legal person qualification of Midea Electric will be cancelled. As a surviving company, Midea Group will inherit all assets, liabilities, business, personnel, contracts and all other rights and obligations of Midea Electric.

　　According to the relevant information in the announcement, in 2012 Midea Group achieved a total operating income of 102.7 billion, an operating profit of 7 billion, a net profit of 6.14 billion and a return on net assets of 24%. Midea Group intends to issue shares at 44.59 yuan per share, and Midea’s electrical circulation shareholders will exchange shares issued by Midea Group at 15.96 yuan per share. The share exchange ratio between the Group and listed companies is 0.3582:1. Among them, Midea Electric’s share exchange price is based on the average transaction price of 9.46 yuan/share on the announcement date of the resolution, and the premium rate is nearly 70%, far exceeding the increase of companies in the same industry during the suspension of Midea Electric and the average premium level of other share exchange and merger cases.

　　The dissenting shareholders of Midea Electric Appliances can declare and exercise the cash option in whole or in part at the price of 10.59 yuan per share (12% higher than the average stock transaction price in the 20 trading days before the pricing benchmark date) for every effectively declared share of Midea Electric Appliances. This share swap and merger will provide Midea Holdings and/or other appropriate third parties with cash options to Midea Electric’s dissenting shareholders.

　　After the completion of the share swap, Midea Group will increase the dividend, and the annual cash dividend will not be less than 1/3 of the distributable profit of that year within three years. At the same time, Midea Electric’s profit distribution in 2012 is planned to be distributed to 6 yuan for every 10 shares, totaling 2 billion yuan.

　　Fang Hongbo’s plan

　　At yesterday’s media communication meeting, Midea Group executives said that in the past year or so, Midea Group has experienced a series of adjustments and changes. Since the strategic transformation was first put forward in July 2011, the handover between the founder and the professional manager was completed in August 2012. Subsequently, Midea Group’s industrial system began to be adjusted, the secondary industrial group was cancelled, and it was integrated with Midea Group’s professional functional system, and the product division was merged and reorganized. After the overall listing, it aims to build Midea Group into a market-oriented sharp integrated modern enterprise group and become one of the top three white electricity enterprises in the world as soon as possible.

　　Fang Hongbo, chairman of Midea Group, introduced at the communication meeting that Midea Group chose to inject assets of small household appliances, motors and logistics to realize the overall listing of the Group. This move will help to further promote the standardized operation of the company as a whole; Consolidate the group’s industry position and core competitiveness; Realize resource sharing and make the best use of the company’s resources, costs and efficiency advantages; Fully realize industrial collaboration, purchasing collaboration, warehousing collaboration, sales collaboration, financial collaboration and channel collaboration.

　　In 2012, Midea Group’s total operating income was 102.7 billion yuan. After the overall listing, it is expected to become the largest household appliance listed enterprise in China with the largest manufacturing and sales scale and the most categories. According to reports, this restructuring is mainly considered from the organizational structure and management of the company. The restructuring plan avoids large-scale adjustment of the group’s management and control structure. If Midea Group’s subordinate assets except Midea Electric are injected into Midea Electric, the group company needs to be cancelled. After the reorganization, the group leaders need to work in listed companies, and the internal management structure will be readjusted, which is not conducive to the stable operation of the group.

　　As for the assets to be listed, Fang Hongbo said that Midea’s small household appliances are the absolute leader in the domestic small household appliances industry, with the most complete small household appliances product group in China and complete categories, and the market share of many products has been in the absolute lead for a long time. Small household appliances have abundant channel resources, with more than 5,000 specialty stores and 55,000 outlets, covering 100% of the primary and secondary markets and more than 95% of the tertiary and fourth markets. In the future, the profitability will be continuously improved through the improvement of product structure and manufacturing level.

　　The motor business is the largest household appliance motor company in China, with a well-known brand "Weiling". The main products are air-conditioning motors, washing motors, industrial motors and servo motors, with a total production capacity of over 100 million units, leading the industry in market share. With high starting point/level technical equipment and strong continuous research and development capability, DC frequency conversion technology will be vigorously developed. Now it has been involved in emerging fields such as automobile power steering motor, pump and servo motor, and will become a new profit growth point in the future.

　　The logistics business has integrated logistics service capabilities such as efficient warehousing, accurate transportation and lean distribution. It is a national logistics company with wide network layout, great synergy potential, focusing on fast-moving warehousing and distribution of household appliances, and a high degree of business specialization. There are more than 140 logistics service platforms in China, with warehouses covering an area of nearly 4 million square meters, and its comprehensive strength ranks in the forefront of domestic third-party logistics.

　　Fang Hongbo believes that after the overall listing, Midea will realize all-round coordinated management from industry, procurement, warehousing, sales, finance to channels, and will realize the sharing of internal management, research and development, supply chain, downstream (warehousing and logistics), channels and brands, with the effect that 1+1 is greater than 2.

　　Safeguard the interests of circulating shareholders

　　Regarding the protection of minority shareholders’ interests and merger pricing, Huang Xiaoming, senior vice president of Midea Group, said that this restructuring plan has safeguarded the interests of circulating shareholders to the maximum extent. First, after the completion of this transaction, Midea’s electric appliance conversion shareholders will enjoy a higher valuation level brought by the business of small household appliances, motors and logistics, which will bring about an improvement in the valuation level. Second, the share exchange premium rate was 68.71%, far exceeding the average cumulative increase of the share prices of comparable listed companies as of March 31 after the suspension, the average increase of Shenzhen 100P was 5.69%, and the average increase of Shanghai and Shenzhen 300 Index was 9.64%. Third, the share swap premium rate far exceeds the share swap premium rate of similar merger cases. The average premium rate of the share swap price of the merger case in the market is 24.34% compared with the average price of the 20 trading days before the suspension, which is far lower than this case. Fourth, the shareholders of Midea Electric’s tradable shares enjoyed an increase in earnings per share in 2013 after the completion of this restructuring.

　　It is understood that there are three main factors to consider in the price of Midea’s electrical appliances, which are comparable to the increase of listed companies since the suspension of trading; Comprehensively consider the historical cost of minority shareholders and the overall trend of A shares in the near future; Similar to the case of share swap and merger, the share swap premium is given. Based on the above factors, the circulating shareholders are given a higher premium and the conversion price is determined to be 15.96 yuan/share.

　　Midea Group’s issue price comprehensively considers the valuation of A-shares in various business segments of the Group compared with listed companies, and at the same time gives certain liquidity discount to unlisted assets, which is then comprehensively weighted according to the predicted profit ratio of each business segment in 2013. The issue price is 44.56 yuan, and the issue P/E ratio is 10 times, which is 13.97 times higher than the market average comprehensive P/E ratio, with a discount of 36% and a discount of about 23% compared with the US P/E ratio of electrical appliances, which fully protects the interests of circulating shareholders.

　　In addition, before the listing, the Group implemented the shareholding plan for senior management by means of equity reward, and the shares came from the existing shares of the controlling shareholders, which would not dilute the rights and interests of minority shareholders; At the same time, the share payment fees generated by the shareholding plan have all been reflected in 2012.

　　Midea Group will continue to give high returns to shareholders after listing, and the company will distribute dividends in cash, stock or a combination of cash and stock. Based on industrial synergy and efficient management and operation system, Midea’s future business performance is expected to improve steadily.

　　Efficient operation system

　　Regarding the reorganized organizational structure, Huang Xiaoming said that after the reorganization, Midea Group will be presented as a complete entity, which is a consumer-oriented and market-oriented organization. The existing structure is a "group-division" two-level structure, and the division "9+2+1 structure": 9 end consumer goods divisions +2 industrial chain core components divisions +1 international operation platform, and 13 business units of the national network layout logistics company, with clear and concise structure. The current structure is conducive to the effective implementation of Midea Group’s future development strategy.

　　At the same time, with the help of this adjustment, Midea Group will establish a market-oriented and efficient operation process system and build an agile organization by standardizing organizational setup, reducing organizational levels, realizing organizational flattening, diagnosing and sorting out existing systems and processes.

　　Huang Xiaoming said that Midea Group has formed a diversified shareholding structure in which actual controllers, strategic investors and middle and senior management jointly hold shares, and at the same time, it has solved the problem of medium and long-term incentives for management. Midea Group adheres to the principles of authorized operation and decentralized management, establishes a mature management system for professional managers, successfully completes the handover of the founders to professional managers, gives full play to the enthusiasm of professional managers, and cultivates an experienced and young management team for the company’s industrial development and expansion.

　　The management stock ownership plan has established and improved the company’s long-term and effective incentives and constraints. The company has implemented employee rewards for 47 major senior managers. The incentive target is 3% shares of Midea Group, which comes from the holding transfer of Midea, the controlling shareholder of Midea Group. There is no exercise condition and the lock-up period is three years, which ensures the stability of the management and its consistency with the interests of shareholders. In the future, the company will launch a wider range of equity incentives in a timely manner according to the actual operating conditions.

　　Profitability has steadily increased.

　　After more than a year of transformation and adjustment, Midea has achieved phased results. Fang Hongbo said that the environment of high-speed growth of home appliance industry has changed, and the mode of over-reliance on scale has been challenged, so it is necessary to find a new business model to adapt to the current market environment. Therefore, Midea takes the initiative to adjust its strategy, focusing on sustainable profitability, and giving up the development model of blindly pursuing scale in the past. By improving the product structure, enhancing the added value of products and enhancing the competitiveness of products, we can maximize profits on the basis of moderate scale.

　　Over the past year or so, the company’s transformation has involved many adjustments such as equity governance, company structure, business model and channels. In terms of industrial structure, focus on core business, cut off non-household appliances business and low-margin products, and adjust product categories to 20 core categories with market position and space; In terms of marketing channels, the company has returned to the big agency mode of the division, integrated operation of R&D, production and marketing, clear rights and responsibilities, restored terminal confidence and stronger profitability than before. According to reports, after more than a year of adjustment, the company’s business structure is clear, the asset bubble is digested, the channel inventory is greatly reduced, and the financial optimization, most of the product shares have returned to the pre-transformation level, and the effect will be further revealed in the next 2-3 years.

　　According to Midea Electric’s 2012 annual report, the annual operating income was 68.1 billion, and the net profit attributable to the parent company was 3.5 billion, of which the fourth quarter income was 14.2 billion, a year-on-year increase of 27%, and the overall growth resumed. Since the transition, the gross profit margin has steadily rebounded, and the profitability has been enhanced. The comprehensive gross profit margin for the whole year reached 23%, up nearly 4 percentage points. The annual operating profit margin was about 7%, up by 1.6 percentage points. (Securities Times reporter Gan Lin)

(Source: Securities Times)

　　On September 25, local time, demonstrations broke out in the northern German city of Lubuming. Thousands of people took to the streets, demanding that the German federal government quickly open the "Beixi -2" natural gas pipeline and end the energy sanctions against Russia.

　　According to the information disclosed by the local police, about 3,500 people from all over the country gathered in Lubuming, the terminal of the "Beixi -2" natural gas pipeline, to protest against the federal government’s energy policy. The slogan of the demonstrators is "Open ‘ Beixi -2’ Project — — Only in this way can our country have a future. " At the same time, the demonstrators also demanded that the German government immediately end the energy sanctions against Russia. Demonstrators pointed out that once the "Beixi -2" pipeline is put into use, Russian natural gas will flow to Germany again, and energy prices can drop rapidly. However, the German federal government has repeatedly ruled out the possibility of opening the project.

　　It is reported that this is not the first time that protests and demonstrations have broken out in Lubuming. Earlier this month, about 1800 people took part in a parade on a similar theme.

　　The "Beixi -2" natural gas pipeline was officially completed in September 2021. According to the original plan, the natural gas pipeline should be officially put into use at the end of 2021.

The past 2018,

What kind of events threaten the health of you and your family, and make you feel painful and want to cry?

What kind of hidden consumption routines and traps make you leak information and lose assets?

What kind of service is shiny on the surface and dirty on the inside, which makes you stunned and trust crisis?

On January 25th, 2019, the "Top Ten Consumer Infringement Events in 2018" jointly selected by the Supreme People’s Procuratorate, Ministry of Public Security, China Consumers Association, all china lawyers association and CCTV was released to the whole society.

The "Top Ten Consumer Infringement Events in 2018" are:

1. Changchun Changsheng vaccine incident was severely punished.

2. Quan Jian Ran Jian is suspected of pyramid selling and exaggerating propaganda, and it is difficult to rectify health care industry’s stubborn diseases.

3. It is difficult to refund the deposit in ofo sharing bicycles, and consumers in bike-sharing pay for poor management.

4, Didi windmill driver murder case challenges the safety bottom line

5. A dirty rag uncovers the hygienic chaos in a five-star hotel.

6. Counterfeit goods in rural areas

7. "Big data killing" is rampant in many fields and platforms.

8. Online booking of air tickets charges a high refund fee.

9. Prepaid consumption is now a "routine loan"

10. Personal information is peddled and Internet users are streaking.

The Top Ten Consumer Infringement Events in 2018

one

Changchun Changsheng vaccine incident was severely punished.

Event: On July 15th, 2018, National Medical Products Administration issued a notice that during the production of freeze-dried rabies vaccine for human use, some batches were mixed with expired stock solution, and some batches did not fill in the production date and batch number truthfully. In the investigation, the relevant departments also found that more than 650,000 DTP vaccines produced by Changchun Changsheng Company and Wuhan Institute of Biological Products Co., Ltd. also had problems, and they have been sold to Shandong, Hebei, Chongqing and other places. For a time, the safety of vaccine drug use has received unprecedented attention from the society, and the regulatory agencies have also given heavy blows to illegal enterprises and increased penalties. The State Food and Drug Administration revoked the pharmaceutical production license of Changchun Changsheng Company and fined 9.1 billion yuan; The Shenzhen Stock Exchange forced the delisting of the company’s shares; The public security organ filed a case for investigation according to law for the first time, and 18 suspects, including Gao Mofang, the chairman of the company, were arrested; From the competent authorities to the provinces and cities, many officials were seriously held accountable.

Comment: The problem vaccine incident of Changchun Changsheng Company in Jilin Province exposed that the vaccine production enterprises were bent on profit, the local government and market supervision departments were negligent and oversight, and also reflected the system defects in vaccine production, circulation and use. Subsequently, the "People’s Republic of China (PRC) Vaccine Management Law" was drafted and promulgated, and the first vaccine law in China was also ready. Drug safety is the most basic public safety, and vaccine safety guarantees the life and health of the masses. The occurrence of this incident also fully demonstrates the sensitivity and seriousness of drug safety. Pharmaceutical production and sales enterprises should establish the belief of people-oriented, safety first and honest management. The government and regulatory authorities should focus on improving relevant systems and regulations, strengthen law enforcement, severely deal with drug safety issues, achieve zero tolerance, and use the most stringent regulations to keep the bottom line of vaccine safety.

2

Quan Jian Ran Jian is suspected of pyramid selling and exaggerating propaganda, and it is difficult to rectify health care industry’s ills

Event: On Tuesday, the father of Zhou Yang, a girl with cancer, persuaded her daughter to give up chemotherapy and take anti-cancer products produced by her company, which eventually led to the deterioration of Zhou Yang, who was only 6 years old, and died. On January 7, 2019, the People’s Procuratorate of wuqing district, Tianjin, criminally detained 16 people including Shu Moumou, the actual controller of Quanjian Company, on charges of allegedly organizing and leading pyramid schemes.

In 2018, while the Quanjian incident broke out, health care industry’s chronic diseases continued to ferment, and there were many "God cases" of health food against cancer. Also known as the "health empire" — — Ranjian Global is also suspected of pyramid schemes. The company claims to have a health care "foreign juice" originating in the United States — — Morinda citrifolia juice can treat all kinds of "incurable diseases". However, Ranjian Global does not have any domestic approval and filing of health food. On November 20, 2018, the public security organs launched an investigation into Ranjian Global’s alleged pyramid schemes and commodity smuggling.

Comment: Although the government has continuously increased the supervision of the health care products market for many years, the chaos in health care industry has not been completely eradicated under the drive of huge interests. There are still unscrupulous enterprises that wantonly carry out false propaganda, carry out pyramid schemes under the banner of direct selling, repeatedly cross the legal red line, ignore consumers’ rights and interests, mislead and deceive consumers, and even endanger consumers’ life safety. Law enforcement departments should never tolerate false and exaggerated advertising of health care products. More importantly, we should dare to break the barriers of local and departmental interests and truly control the chaos in health care industry with the work style of "grasping the iron and marking the stone". For illegal business practices that seriously infringe on consumers’ rights and interests, we should form a joint force with the public to "strike hard, strike hard and really" and play a game of chess all over the country to achieve the fundamental purification of the health care product market.

three

It is difficult to refund the deposit in ofo sharing bicycles, and consumers pay for poor management in bike-sharing.

Event: In the past two years, bike-sharing, which was very popular for a while, has been suffering from poor management. Wukong bicycles that have been in operation for less than half a year have withdrawn from the market; 3Vbike bike-sharing is out of service; Small blue car is still closed after financing 400 million yuan … … The subsequent problem of the deposit being difficult to refund has been constantly staged in many bike-sharing enterprises. Since 2017, many bike-sharing enterprises, such as Xiaoming Bicycle, Machimachi Bicycle, Kuqi Bicycle and Xiaolan Bicycle, have been repeatedly complained by users that they are unable to refund the deposit. In the first half of 2018, users in ofo sharing bicycles began to be unable to refund their deposits normally. On December 17, 2018, outside the headquarters of Xiaohuangche Office in Zhongguancun, Beijing, hundreds of ofo users lined up to ask for a deposit. As of January 2, 2019, the number of users waiting for ofo to refund the deposit has exceeded 10 million. Bike-sharing enterprises are vicious in competition, poor in management and chaotic, but in the end, consumers pay for them.

Comment: As an innovative economic model, the sharing economy, the trial and error of entrepreneurs and the game of capital market are all social costs that need to be paid in the exploration, but this cost must not be passed on to innocent consumers, so that consumers can become the ultimate victims. Legally, the user is the owner of the deposit in bike-sharing. Therefore, it is illegal to misappropriate the user deposit for whatever reason. Innovation is the only way for China’s economy to stimulate vitality, transform and upgrade. However, any innovation can’t be at the expense of infringing on the rights and interests of others, and it can’t be separated from a healthy institutional environment and business norms.

four

Didi windmill driver murder case challenges the safety bottom line

Event: On August 24, 2018, Zhao, a girl from Yueqing, Zhejiang Province, was raped and killed by the driver on the way to Yongjia by Didi Shunt. This is another serious security incident that occurred on Didi Travel Platform after the flight attendant in Zhengzhou was killed in May 2018. Two murders occurred one after another, pushing Didi Chuxing and its free ride business to the forefront, and its operation concept and management method were criticized by public opinion.

As a giant of online car, the growth of Didi has always been accompanied by security risks. According to statistics, there are at least 50 cases of sexual assault and harassment by Didi drivers. The criminals involved 50 drivers and 53 victims were women. During its six years of development, Didi Chuxing has received more than 2,500 criminal cause awards.

Comment: The criminals should bear the legal responsibility for the occurrence of various vicious cases of car rental on Didi. However, as a platform, Didi has many loopholes in its supervision system and a lack of social responsibility, which makes it also have gross negligence and repeatedly threatens the safety of consumers’ travel. As a new thing, online car rental has undeniably brought consumers a convenient and fast way to travel. There are hidden dangers in operating vehicle access, platform supervision, safety precautions, emergency treatment, etc., which need to be remedied urgently. After all, while the Internet economy brings efficiency, security is its number one key word.

five

A dirty rag uncovers the hygienic chaos in a five-star hotel

Event: On the evening of November 14, 2018, netizens posted videos on the media platform, exposing the hygienic chaos of nearly 20 five-star hotels — — Hotel waiters use dirty towels picked up from the ground to wipe cups, hand basins, toilets, mirrors, etc., and no matter where they wipe, they only use this dirty towel all the time. The whole scene is amazing. There are many world-renowned five-star hotels such as Marriott, Sheraton, Shangri-La and Hilton. Hotels involved in various places have issued statements one after another, apologizing to consumers, saying that they have conducted a thorough investigation internally. On the second day after the exposure, the Ministry of Culture and Tourism instructed the cultural and tourism authorities of Shanghai, Beijing, Fujian, Jiangxi, Guizhou and other five provinces and cities to investigate and deal with it, and sent a supervision and inspection team to the exposed tourist hotels for on-site supervision and inspection. Seven hotels involved in Shanghai were given warnings and fined 2,000 yuan each.

Comment: Cleanliness, hygiene, safety and comfort are the core competitiveness of the hotel industry and the key for consumers to choose hotels. However, this dirty rag unveiled the gorgeous mask of a five-star hotel, revealing a dirty background and detonating the crisis of public confidence in the entire hotel industry. The lack of business ethics and honesty in these well-known five-star hotels has undoubtedly subverted consumers’ cognition and failed consumers’ trust. However, the punishment imposed by the relevant departments afterwards can neither make the hotels involved feel the pain of violating the rules, nor make consumers satisfied and recognized. The establishment of brand and reputation not only comes from high-end luxury decoration, honesty, responsibility and morality, which are the foundation of service industry.

six

Shanzhai goods in the countryside

Event: In 2018, CCTV’s March 15th party and many media reported that in the rural consumer market, consumer goods became "waste products". There are often fake commodities such as Liuhe Walnut, Wanghao Cowboy, Bean in Bean, Kang Shuaifu and Lei Bi that make people laugh and cry on the shelves in rural areas. As small as food and daily necessities, as large as household appliances, fake and shoddy goods are rampant, and they are imitated "vividly" by merchants, so it is difficult to distinguish between true and false. Behind the appearance of the shanzhai trademark are foods with various additives and preservatives exceeding the standard, inferior rice cookers with industrial aluminum liners, and electrical appliances with numerous safety hazards. From May to September, 2018, China Consumers Association organized a national rural bazaar survey, and found that 87 of the 155 rural bazaars had suspected counterfeit products, 73 had "three noes" products, 43 had fake and inferior products, and 27 had expired products. The problem of cottage products was outstanding, and cottage products had seriously endangered the health and life safety of rural consumers.

Comment: Many factors, such as weak self-protection ability of rural consumers, unsmooth information and weak awareness of consumer rights protection, make rural consumer market a fertile ground for counterfeit and shoddy goods. Behind the seemingly ridiculous cottage products, there are countless health and safety hazards, which seriously disrupt the rural market order. On December 14, 2018, the Ministry of Agriculture and Rural Affairs, the Ministry of Commerce, the Ministry of Public Security, the State Administration of Market Supervision, China National Intellectual Property Administration and the All-China Federation of Supply and Marketing Cooperatives announced that they would launch a special rectification campaign for fake and shoddy food in rural areas to comprehensively "clean up" the rural food market. Cleaning up the rural market environment, cleaning up the cottage products, and letting rural consumers enjoy a quality and guaranteed life are also the meaning of realizing rural revitalization.

seven

"Big data killing" is rampant in many fields and platforms

Event: In March 2018, a netizen exposed his personal experience: his long-term booking price on a website was 380— Hotel room between 400 yuan, and with a friend’s account query, the same room is shown as around 300 yuan. Subsequently, many netizens have exposed similar experiences, from hotel reservation, air ticket reservation to taxi travel. Whether it is Ctrip, Amazon, Didi, Flying Pig, many well-known Internet platforms have been exposed to such big data killing operations. Such behavior completely deprives consumers of the right to know and fair trade, and has become synonymous with Internet companies violating business ethics.

Comment: Big Data should be used to improve the operational efficiency of enterprises and provide consumers with more accurate and caring services. However, it has evolved into a "killing" sales tool. This not only violates the legitimate rights and interests of consumers, such as the right to know, the right to fair trade and the right to privacy, but also seriously deviates from the principle of fairness and integrity in the market economy. The processing and use of big data requires the restraint and supervision of relevant institutions, laws and regulations, technical ethics and other aspects. On January 1, 2019, the "Electronic Commerce Law" was officially implemented. According to Article 18 of the Bill, if an e-commerce operator provides search results of goods or services to consumers according to their hobbies, consumption habits and other characteristics, it should also provide the consumers with options that are not specific to their personal characteristics, and respect and equally protect the legitimate rights and interests of consumers. From the legal level, this has put an end to the phenomenon of "big data killing". At the level of supervision and law enforcement, relevant departments will also give moral and regulatory constraints to big data.

eight

Online booking of air tickets charges a high refund fee.

Event: In 2018, CCTV and a number of media exposed many travel platforms such as Ctrip, Tuniu, Mahoneycomb and Tongcheng, and there was a problem of high ticket refund and change. Although domestic airlines have clear regulations on ticket refund and change, many internet ticket sales platforms do not charge the refund and change fees according to this. According to the "Investigation Report on Refund and Change of Airline Tickets of Consumers in Jiangsu Province" issued by Jiangsu Consumer Protection Committee on April 24th, 30.7% of consumers have been charged a high fee for changing their airline tickets many days in advance. 23.5% of consumers have experienced that the refund fee is higher than the ticket price. The highest refund fee is actually three times the ticket price; Special fares are basically not refunded or exchanged, or only airport construction fees and fuel surcharges are refunded.

Comment: The refund and change fee is a kind of compensation fee similar to liquidated damages. Passengers who temporarily return and change their tickets may cause a certain degree of waste of resources for airlines. While the travel platform provides the service of returning and changing the ticket, it is reasonable to charge a certain fee, but the amount should be within the scope of reasonable compliance. Taking advantage of the strong position of monopoly and the unequal information, it is an encroachment and harm to the equal rights of consumers to introduce the overlord clause.

nine

Prepaid consumption is now "routine loan"

Event: In recent years, with the development of mobile Internet technology, prepaid consumption has expanded from traditional beauty, hairdressing, fitness, catering and other industries to online car use, education and training, rental market, entertainment, life services and other fields. In 2018, the field of prepaid consumption has also become a new problem for consumer rights protection. Since May, the problems of "rent loan" and "decoration loan" have been exposed frequently. Some long-term rental apartment companies and Internet decoration platforms have broken their capital chains, and operators have run away, resulting in tenants having no room to rent, which renovation contract cannot fulfill, while consumers still have to repay the loans. In October, a number of English training institutions were accused of offering course loan services, which allowed students to carry thousands to hundreds of thousands of "training loans". The internationally renowned English training brand, Wall Street English, was once exposed that students were burdened with 170,000 tuition loans, and students embarked on a difficult road to safeguarding rights.

Comment: Frequent disputes among prepaid consumer groups have become the focus of current consumer complaints and rights protection. The rapid development of prepaid consumption in China is inseparable from the construction of a society ruled by law and the deep-rooted spirit of contract. It is the product of legal system and honesty. However, prepaid consumption has become "the meat steamed stuffed bun hits the dog and never returns", which not only disrupts the normal market economic order, violates the spirit of contract, aggravates the crisis of social integrity, but also destroys social public order and good customs. The establishment of social credit needs to be implemented in step-by-step supervision, which is responsible for the growth of the industry and also follows the principle of good faith.

10

Personal information is peddled and Internet users are streaking.

Event: In 2018, personal information disclosure incidents occurred one after another, and websites, hotels, courier companies, etc. all became the source of information disclosure. On June 13, 2018, the video website AcFun announced that 9 million user data were leaked; On June 16th, the job resumes of 1.95 million users with no worries about the future of the recruitment website were leaked. On June 19th, 1 billion pieces of express data of Yuantong Express were sold; On July 18, another courier company suspected that user data was sold; On August 28, 500 million pieces of hotel customer opening data of Huazhu were sold; On September 10th, the information of 500 million guests of Marriott Group was leaked. Selling personal information has become an open black industrial chain. Personal information that should have been protected has become a publicly sold commodity, and the public is "streaking" in the Internet world.

Comment: On September 7, 2018, the 13th the National People’s Congress Standing Committee (NPCSC) Legislative Plan was announced, and the Personal Information Protection Law and the Data Security Law were included in the first category of projects, which is expected to make personal information protection enter the legal track as soon as possible. In the era of big data, the commercial value and legal significance of personal information are improving. In the face of the impact of interests, it is even more necessary to build a legal firewall. Let enterprises attach great importance to the security protection of information and data, functional departments strengthen supervision and management of markets and industries, and judicial organs severely punish illegal acts and put on "protective clothes" for citizens’ privacy.

　　On July 12th, at the closing forum of the 2018 China Internet Conference, the China Internet Development Report 2018 (hereinafter referred to as the Report) was released. The Report discusses the horizontal development environment such as big data in detail, analyzes the vertical applications such as audio and video services, and systematically combs the development of the Internet industry in China and looks forward to the trend. This print extracts the wonderful contents of the Report for readers.

????The number of netizens has reached 772 million, and the mobile Internet has driven the growth of netizens.

　　By the end of 2017, the number of Internet users in China reached 772 million, including 753 million mobile phone users. The rapid development of mobile Internet has driven the growth of Internet users. In 2017, the proportion of mobile Internet users increased from 95.1% in 2016 to 97.5%, and mobile phones have become the most important mobile Internet devices.

　　Internet users are mainly 10-39 years old, with an average of 27 hours online every week.

　　By the end of 2017, the group aged 10-39 accounted for 73% of the total netizens, among which20—29Internet users aged 30 account for the highest proportion, reaching 30%. In 2017, the average weekly online time of netizens in China was 27 hours.

　　The total number of websites is 5.33 million, and the IPv6 address keeps growing.

　　By the end of 2017, the number of websites in China reached 5.33 million, with an annual growth rate, of which 3.15 million were under the domain name ".CN", accounting for 59% of the total, with an annual growth rate of 21.8%. By the end of 2017, there were 338.7 million IPv4 addresses in China, and the total number of IPv6 addresses allocated was 23,430 (/32), accounting for 10.38% of the total number of allocated IPv6 addresses in the world, ranking second in the world.

　　The number of online news users has reached 647 million, and mainstream news websites have more credibility.

　　In 2017, the number of online news users in China reached 647 million, the coverage rate of netizens was zero, and the number of users maintained steady growth. In terms of industry distribution, commercial information media has more advantages in influence and traffic, which is especially obvious on the mobile side. In the PC market, integrated portals and traditional news websites still dominate the market, among which mainstream news websites are better in credibility.

　　Wechat is still the leader of social media, and the webcast market continues to grow.

　　Among the major media platforms in 2017, WeChat WeChat official account was far ahead with a market share of 63.4%. Wechat is still the leader in the field of social media, but its user growth and user activity have slowed down significantly. In 2017, the number of webcast users in China reached 398 million, and it is estimated that the number of users will exceed 500 million in 2019. In 2017, the growth rate of users in the live broadcast industry slowed down significantly, with a growth rate of 28.4%. It is expected that the growth rate will further slow down to 10.2% by 2019.

　　The online game market is about 235.49 billion yuan, and the scale of mobile game users tends to be saturated.

　　In 2017, the online game market in China was about 235.49 billion yuan, a year-on-year increase of 31.6%. It is estimated that by 2021, the online game market will exceed 400 billion yuan. In 2017, the number of mobile game users in China was about 554 million. After the explosive growth in the previous two years, the demographic dividend gradually faded, and the scale of mobile game users became saturated.

　　The number of online video users has reached 579 million, and the ability of users to pay has been significantly improved.

　　By the end of 2017, the number of online video users in China reached 579 million, accounting for 75% of the total netizens. The number of mobile network video users reached 549 million, accounting for 72.9% of mobile netizens. In 2017, the proportion of online video users in China reached 42.9%, an increase of 7.4% compared with 2016, and the user satisfaction reached 55.8%. According to incomplete statistics, by the end of 2017, the total number of paid members of video websites exceeded 170 million.

　　E-commerce transactions amounted to 29.16 trillion yuan, and online shopping market transactions amounted to 7.18 trillion yuan.

　　In 2017, the transaction volume of e-commerce in China reached 29.16 trillion yuan, a year-on-year increase and the growth rate slowed down. In 2017, the transaction scale of online shopping market in China reached 7.18 trillion yuan, up 32.2% year-on-year, and the market growth rate once again ushered in an inflection point to further climb.

　　The trading volume of the sharing economy market is 4,920.5 billion yuan, and the financing scale is about 216 billion yuan.

　　In 2017, the transaction volume of China’s sharing economy market was 4,920.5 billion yuan, an increase of 47.2% compared with 2016. Although the market size still keeps growing, the growth rate is significantly slower than 103% in 2016. In 2017, the financing scale of the sharing economy was about 216 billion yuan, a year-on-year increase of 25.7%. Among them, the financing scale of sharing economy in transportation, life service and knowledge and skills ranks in the top three.

　　The scale of artificial intelligence industry reached 15.21 billion yuan, and the growth of enterprises slowed down.

　　In 2017, the scale of artificial intelligence industry in China reached 15.21 billion yuan, with a growth rate of 0. It is estimated that the scale of artificial intelligence industry in China will increase to 34.43 billion yuan in 2019. In 2016 and 2017, the number of newly-added artificial intelligence enterprises was 128 and 28 respectively. Although the number of newly-added enterprises declined in recent two years, this situation is a short-term fluctuation under the investment boom and does not affect the long-term trend. Development trend of artificial intelligence: artificial intelligence chips will develop from non-customization to customization, artificial intelligence technology will realize new formats of application scenarios, swarm intelligence and human-computer collaboration will build a new intelligent ecology, and a new business model led by "platform+scenario application" will soon appear, and "platform+technology+hardware+content" will build an AI industrial chain ecosystem, and AI talents will become a hot spot for grabs in major industries.

　　The big data market has reached 35.8 billion yuan, and the transaction demand is strong.

　　In 2017, China’s big data market reached 35.8 billion yuan, with an annual growth rate of 10 times that of 3.5 billion yuan in 2012. It is estimated that the market size will exceed 70 billion yuan in 2020. China’s big data trading market has formed and the trading demand is strong. Take Guiyang Big Data Exchange as an example. As of October 2017, the cumulative transaction volume of the exchange exceeded 120 million yuan, the transaction framework agreement was nearly 300 million yuan, the number of development members exceeded 1,500, and 225 high-quality data sources were connected, with nearly 4,000 tradable data products, and the total amount of tradable data exceeded 150PB. In addition, platforms such as Shanghai Data Trading Center, Zhejiang Big Data Trading Center, Chongqing Big Data Trading Market and Central China Big Data Trading Platform also provide services such as data transaction, settlement, delivery, security and data resource management.