标签归档 杭州西湖妃子阁

The Information Office held a meeting to invite grassroots disabled people and disabled representatives to communicate with Chinese and foreign journalists around "tackling poverty"

The State Council Press Office held a meeting with Chinese and foreign journalists at 10: 00 am on Tuesday, October 16, 2018, and invited grassroots disabled people and disabled representatives to meet and communicate with Chinese and foreign journalists around "tackling poverty".

The picture shows the reporter meeting. China Network Zhang Ruomeng photo

Yan Yanchun, deputy director of the State Council Information Bureau:

Good morning, ladies and gentlemen. Welcome to the press conference of the State Council Information Office. Tomorrow is Poverty Alleviation Day, so today we hold a special meeting. We invited three disabled people and a disabled person to exchange ideas with you on how to help the disabled get rid of poverty independently. We are very familiar with the saying that getting rid of poverty is not an easy task in itself, and helping the disabled get rid of poverty may face greater difficulties and challenges. Today, we look at them and ask them to talk to us about how they got rid of poverty.

Let me introduce the comrades who met with you today one by one. They are: Mr. Li Jian, secretary of the Party branch of Tongbai County, Henan Province; Ms. Jia Ru, president of Xingtang County Disabled People’s Double Creation Park, chairman of Hebei Rujun Technology Co., Ltd.; Mr. Xie Lv, a disabled volunteer in charge of the blind massage shop in Tengchong City, Yunnan Province; and Ms. Liu Hongxia, a typical example of planting and breeding to get rid of poverty in Luobei County, Heilongjiang Province. They also come from different parts of our country. As you can see, they have their own different situations. Next, please talk to them separately, first Mr. Li Jian.

Li Jian, Party branch secretary of Fulou Village, Tongbai County, Henan Province, the old revolutionary base area:

Hello, friends. I am Li Jian, a disabled person from the old revolutionary base area in Tongbai County, Henan Province. I used to be an electrician at home, and I usually have a skill, so my family situation is ok. When I was overhauling a transformer, my right hand accidentally caught high-voltage electricity. Later, I had 11 operations. Although my life was saved, my right limb was amputated, and my leg was treated in a hospital in our city for 8 months and 27 days. Later, the doctor said that it was impossible to protect it, and my reaction was very strong. I thought that my arm had been amputated. What should I do in the future if my leg was amputated? In this way, I moved to Luoyang Orthopedic Hospital to treat three patients. I spent 360 days in the hospital and nearly a year at home. I have a brother with mental retardation, two children and an 84-year-old man in my family. During this period, I thought, if I lie down like this, what should I do with my family in the future? So I insisted on rehabilitation exercise and prepared to do something. During this period, when I was preparing to do something, my wife suddenly had a cerebral hemorrhage and hemiplegia. I was really desperate about this situation in my family.

At this time, I think, such a poor and bitter life has to go on, otherwise, what should the old people and children do? So I talked to my relatives and friends who planted green onions nearby, and I insisted on exercising every day. When I was able to walk slowly, I began to borrow money from my relatives and friends and planted green onions. However, in 2014, the planting amount of green onions was very large, which caused the unsalable sales of green onions and lost more than 200,000 yuan at one time. During that period, I was very desperate. At that time, the country helped the poor, and I was a poor household in the village. At that time, I thought whether to give up or stick to it. At this time, the cadres in our village and town supported me, and I thought I had to continue and continue to do it. Finally, I made about 100 acres of land and planted onions. During this period, I went to the fields every day, and I did a lot of work that I could do. In two years, I learned some planting techniques and mastered some market information. Since 2016, plus I planted green onions, including other crops, in the project of participating in dividends and grain subsidies for poor households, the one-time net income of that year reached 130,000. In 2016, I took off the hat of poor households.

Later, the villagers thought I was very capable and able to bear hardships. During this period, our village rushed to the two committees of the village to participate in the election this year. Many party member cadres and many people offered to let me run for the village party secretary. I was very hesitant about this matter. I thought about my poor health. If I were a village party secretary, would it have an impact on my family economy? Later, many people advised me, and I let go of my ideological burden. During the election campaign, many villagers supported me, and I was elected as the village party secretary with a high vote. I think I must make the villagers rich. If I don’t make the villagers rich, it’s meaningless for me to be the branch secretary. I built a mushroom planting base this year, and now it has the scale of 70 thousand bags. It is estimated that I can collect more than 100 thousand yuan this year. In addition, the market for growing mushrooms is very stable. We are now planning to build a breeding base, which can drive many disabled households, including poor households, to grow crops, such as wheat, on an acre of land, with a minimum income of six or seven hundred yuan. This income is two or three thousand or even five or six thousand. There are some poor households, some of which are invested by the government and paid dividends every year. We have also set up a cattle farm, and each calf government in the cattle farm contributes part of it to feed and manage it by itself. It is very normal for a cow to earn 8,000 yuan every year if it doesn’t earn. Now a cow sells more than 10,000 yuan, and the government invests 5,000 yuan. I think we disabled people should, like normal people, not only support our families, but also create miracles. If we degenerate, we will certainly have no development for a better life. So, I want to say here that we disabled people should be like normal people.We should dare to create miracles, and let us embark on the road of prosperity together.

Attack Yan Chun:

Thank you, Secretary Li Jian. He talked about his own affairs, including the things in the village, and everyone can feel full of feelings. The next few are a little brief, because we can talk about it later in combination with your questions.

Jia Ru, Chairman of Hebei Rujun Technology Co., Ltd. and Director of Xingtang County Disabled Double Creation Garden:

Hello, media friends. I am Jia Ru, the person in charge of the double-creation garden for the disabled in Xingtang County, Shijiazhuang City, Hebei Province, and an ordinary rural woman. In the past 15 years, I have been taking these groups to get rid of poverty and get employment, from selling vegetables at the beginning to making supermarkets to selling and producing clothes, until May 19th this year, with the strong support of our county party committee and county government, we invested more than 6 million yuan to set up a dual-creation park for the disabled in Xingtang County. This park accommodates a total of nine sections, including manual therapy for the disabled, agricultural therapy, rehabilitation and foster care, and now it operates nine sections of rehabilitation area and poverty alleviation project docking area, where we all eat and live for free, but we disabled people who live in the park must rely on our own hands to stand on our own feet and earn our own income, even if we have a little ability to work.

Up to now, there are 161 people staying in our park, including 87 poor disabled people who have set up a file, but our double-creation park is not our destination, but our starting point. Now we take the double-creation park as the core and radiate to all administrative villages in Xingtang. We have 70 "hands-on workshops for helping the poor and the disabled". Up to now, we have helped 2,119 people to find jobs and get rid of poverty. It is estimated that 5,000 people will get out of poverty by the year. On the way we took them along, we also formulated a unique poverty alleviation model for the disabled in Tang Dynasty, that is, the cottage industry with the main body of "taking the disabled as the strong, loving the weak and taking care of the day" was lifted out of poverty. I believe that we will take disabled friends with our own hands and make our own way by our own unique operation mode.

Xie Lv, head of blind massage shop and disabled volunteer in Tengchong City, Yunnan Province:

Hello, media reporters. My name is Xie Lv. I’m 28 years old. I come from Tengchong, Yunnan Province. I’m also the owner of a blind massage shop and a volunteer for the disabled. My father died when I was 6 years old, and my mother brought me up alone. In 2011, a car accident made me blind, which made the poor family worse. In 2014, my family was included in the poverty-stricken households with the establishment of a file card. In order to support this family, in 2017, I participated in the training course of helping the blind to get rid of poverty sponsored by the Municipal Disabled Persons’ Federation. Three months after graduation, with the help of the disabled persons’ federations at all levels, I opened a massage shop for the blind. The shop needed massage beds, disinfection cabinets, sofas, televisions and other equipment, including all massage chairs and massage clothes, which were equipped by the Tengchong Disabled Persons’ Federation. I started business without any preparation.

Since opening, I have always insisted on serving the guests with the best mental state and massage technology. God rewards hard work, and my enthusiastic massage service has been recognized by more and more guests. There are more repeat customers, business is getting better and better, and apprentices with disabilities have been recruited. Now the massage shop has been open for more than a year, and I have roughly calculated that there are more than 40,000 incomes a year, which makes my life better and better. Now, I can earn my own living with my own hands. I also join the disabled volunteer team set up by Tengchong Disabled Persons’ Federation. On the 1st of every month, I will go to respect the elderly for public welfare, give massages, haircuts, repair furniture, etc. to the old people, and do something that I can. The project of helping the blind get rid of poverty has lifted my family out of poverty, and I deeply feel the concern of the party and the government for our disabled people. I would like to take this opportunity to say thank you to those who have been caring and helping me. I will try my best to pass on the love I have received to more people in need, so that the world and your love will continue and the world will be full of love. Thank you.

Liu Hongxia, a typical example of planting and breeding to get rid of poverty in Luobei County, Heilongjiang Province;

Hello, media friends. My name is Liu Hongxia. I am 34 years old. I live in a beautiful small village on the Sino-Russian border. I live in Shi Hu Village, Taipinggou Township, Luobei County, hegang, Heilongjiang Province. My family consists of three people. My husband is 36 years old and my daughter is 10 years old. I am in the fourth grade of the fourth primary school in Luobei County. Because my husband and I are both physically disabled at the fourth grade, and the per capita land is less than 3 mu. In 2014, my family was rated as a national poverty-stricken household. My husband had another car accident and owed more than 100,000 yuan in medical expenses. Because of the national policy, I was rated as a poverty-stricken household with a filing card and a low-income household, which was guaranteed accordingly. Here I thank the Party, its good policies and President Xi for guiding us into a new era. Thank you all.

Attack Yan Chun:

Just chatting, Hong Xia came to Beijing for the first time and has never been here before.

Liu Hongxia:

Yes, I haven’t been here. I’m still quite excited.

Attack Yan Chun:

The four comrades we invited, although their words were very simple, all spoke their hearts. In the whole big work of getting rid of poverty, there is such a group that needs our help and attention very much. They are also making unremitting efforts to change their own destiny and life. So, let’s see if journalists and friends have any concerns, and let’s have an exchange with them.

CCTV reporter from the Central Radio and Television General Station:

The four representatives are all from the grassroots level. I would like to ask you to introduce some experiences and innovative practices in the process of getting rid of poverty. What is the biggest difficulty encountered on the road of poverty alleviation for the disabled, and how do we solve it? Thank you.

Li Jian:

What are the difficulties of the disabled, especially the severely disabled, in our efforts to get rid of poverty? Usually, in their employment, the severely disabled themselves are disabled, especially the severely disabled, and they need family care, so their family income is gone, such as going out to work and so on. Take our village as an example, to engage in some industries, that is, to grow mushrooms, let them work nearby and do some simple work, and some lightly disabled people can work, such as picking mushrooms and watering roots, which are all ways to earn their income. The government also let them take shares in some aquaculture, such as crayfish breeding base, with an annual share of 5,000 yuan, which can be divided into 1,500 yuan each year to solve their employment problem. Our rural areas are engaged in environmental sanitation and village appearance, and according to their own situation, they are given employment nearby. In addition to cooking at home and caring for the disabled, they can also do some work within their power nearby. The poverty alleviation project in our village is to make some small toys, which can be made by people without skills. Although they don’t earn much money every day, they can earn 350 yuan, up to 100 yuan. This is how we solved this situation.

Xie Lu:

Thank you for the reporter’s question. We blind people are now engaged in the massage industry, and there are many in the country. However, in recent years, the massage industry is also very difficult. For example, in terms of innovation, many blind people can create many massage techniques by themselves, just like the so-called master leads the door and practice depends on individuals. There are several masters in our country. I often listen to the radio. It is said in the radio that they can treat high blood pressure by massage, which can quickly lower blood pressure in a few minutes. In fact, these are the innovations of our masseurs. In our place, many people can create some new massage techniques with their own methods, which makes customers very satisfied. For us blind people, besides massage, we can learn and innovate a lot, such as being a Andhadhun and an anchor, and we can also learn various musical instruments. I believe we can all learn and learn well. Thank you.

Attack Yan Chun:

I just chatted with Xie Lv, but his hearing became more sensitive after he became blind. So Xie Lv said just now that he wanted to learn music, including being a Andhadhun. I think he also has higher ideals and more pursuits and ideas.

Xie Lu:

For example, I actually want to do and learn a lot now, so I can further my studies when I get the chance.

Attack Yan Chun:

You are still young, and there are still many opportunities.

Jia Ru:

For the disadvantaged group of disabled people, the most important and difficult thing is to stimulate their endogenous motivation and ensure their sustainable development, no matter which category of disabled people we have. Take our double-creation garden as an example. The reason why it is called the disabled double-creation garden contains two meanings, one is entrepreneurship and the other is innovation.

In the process of starting a business, we accommodate a lot of manual work suitable for different age groups and different levels of disability. More importantly, our innovation is a key. We are an enterprise, and we have come with such a group for so many years and experienced a lot. But at present, if I answer this question from the position of an enterprise, it is nothing more than that funds and policies, including the market, regard me as a leader of the disabled. But to be honest, I feel that the most critical thing now is the overall market. Whether I bring their own products or other products made by the disabled themselves, I am now facing a big problem. Therefore, if we want to face the biggest problem, I hope that the products produced by disabled friends can be recognized by the society. In fact, what they want is quite simple. I also brought something with me when I came here today. This is a small mask. This small mask looks very ordinary. This is the emerging raw material approved by the State Science and Technology Commission last year, which landed in our Shuangchuang Garden. This is also an innovation of ours, relying on our disabled people’s hands to produce high-tech products belonging to our disabled people, and to play them all over the country. With such a small mask, maybe everyone looks quite simple, but I don’t think so. I have witnessed every link of every product made by disabled people all the time. I think it is spiritual, and every small needle and thread contains all their love. This small mask and every small product include all their dreams and hopes.They hope that the products they made with love and their efforts can get just what we need, and give them such love and such products with spirituality. At the same time, they hope that all people in the whole society can give them a response and confidence and make them feel that they are also great. Therefore, I think when they are making every product, every time they walk in front of them, they can walk into their double-creation garden and see them doing one of the links with one hand. I believe everyone will be shocked. In view of this topic here, including the jujube tea cooked by farmers themselves, in our national poverty-stricken counties in the Tang Dynasty, they used the advantages of the hometown of jujube in the Tang Dynasty to fry this jujube tea by the most farmer’s frying method, and they named it "ugly tea". They hope that they can drink the beauty from the inside out while drinking this tea, because these things are not only made by me with these disabled people, but I feel that everything made by every disabled person is special now. Therefore, I also take this opportunity today. I hope that all people can pay attention to our group, give them an affirmation, and they will give you the best and truest things.

Liu Hongxia:

Because I am from a small mountain village, our village is small and there are fewer disabled people, but we have the spirit of self-improvement and never giving up, and we have lifted ourselves out of poverty. I hope that both disabled people and ordinary people will live a beautiful and happy life with their own efforts and the support of the government.

China Daily reporter:

Excuse me, Secretary Li Jian, just now you mentioned that you overcame some difficulties in the process of leading disabled villagers to get rich together, and also put forward some solutions. What is the motivation to support you to do so? What supports you to lead disabled villagers to get rich together? Thank you.

Li Jian:

I think so. At that time, there were three disabled people, an 84-year-old father and two students in my family of six. How can we live in this family? If we don’t try to do something, if we don’t work hard and struggle, it will definitely be meaningless to wait for help from others. Although we can solve some basic living, we can’t solve real poverty. Therefore, I think I should have ambition. Although people are disabled, I can’t be disabled. I think if we find a job suitable for ourselves, we must work hard and struggle by ourselves. With the support of this spiritual pillar, I told the disabled that we should have this spirit.

China News Agency reporter:

Excuse me, Ms. Liu Hongxia, as you mentioned just now, you have received a lot of help from the government in the process of getting rid of poverty. Can you give me two examples, which are concrete examples of your help? Thank you.

Liu Hongxia:

When I was in the most difficult time, because my husband was in a car accident in 2014 and owed more than 100,000 yuan in medical expenses, at this time, the government saw the actual situation at home, set up a file for poor households, and set up a minimum living allowance, but this was just to maintain. Later, in order for us to develop, our village cadres took the initiative to come to my house to talk about some cases of development and wealth. I also have an idea, that is, raising cattle. There is a family in our village that raises dozens of cows, one of which costs more than 10,000 yuan. I thought that I could raise three heads, one for 10,000, and three for 30,000, so I was not a poor household. I was very happy when I thought about it. I told my in-laws about this idea, and they also supported it. What should I do because I didn’t have money? I stayed at home for three or four days, but I couldn’t help it. I told the village cadres about this idea. He jumped up excitedly and said that there was no problem with this matter. The government had it, and I helped you coordinate the loan, so the loan of 10,000 yuan came down. At that time, it was particularly strict. He used his name as a guarantee and lent me 10,000 yuan. One cow is bought, because I want to buy three cows. What should I do? My father-in-law’s friend said that I would give you two on credit, and he gave it to you there. This is how my three cows are raised.

After this period of time, the government saw that the problem of making a living was not serious, and the project of Schisandra chinensis was also quite good. Knowing that my family can bear hardships, it took the initiative to help us plan to plant Schisandra chinensis. Schisandra chinensis is a long-term income project that can reach 15 to 20 years, and it will be effective in three years. This year is the third year of my family, and it will be fruitful. At the beginning of this year, there were not so many knots, but my family sold a total of 9,600 yuan. Our neighbor sold more than 30 thousand yuan, and I was very excited at that time. Our village cadres and villages helped coordinate the loan of 20 thousand yuan. At the end of 2015, the project was found to be quite good. There was no money, and the village cadres helped to coordinate the loan of 20,000 yuan. This money did not dare to move. By the beginning of 2016, this money was earmarked for planting Schisandra chinensis. At the beginning of 2016, Schisandra chinensis seedlings were bought back for 1 yuan. There were 1,100 trees in an acre, and the garden was 4 acres. It was impossible to grow vegetables, and it was also good to grow Schisandra chinensis. So it was planted, and the effect was quite good. I have expanded 3 mu this year, because our Luobei Forestry Bureau helped 2 mu of 3,300 seedlings, and Luobei Poverty Alleviation Office provided 200 pieces of dried cement for free. Even if we saved nearly 8,000 yuan and expanded 3 mu of Schisandra chinensis, it is expected that 2021 will be a fruitful period, and an acre of land will sell 10,000 yuan, which is 7 mu, so we can sell more than 70,000, and the harvest is particularly impressive. I am very happy. I am very grateful to the government and the party. Without these good policies, there would be no me today.

Attack Yan Chun:

Hong Xia remembers her journey clearly, including her help to the government and her friends.

Liu Hongxia:

Raising cattle and planting Schisandra requires some skills. We Luobei County and village cadres often come down to give guidance. We are a Schisandra homework village. The technical training is to teach you how to cut the residual branches and let you leave fruit branches. Step by step, because my hand was injured at that time, I had to rely on my left hand, but I couldn’t use it. I usually relied on my right hand. I was used to it. I just started to use my left hand scissors to hit the branches. Here I also say a word of thanks to the folks who helped me, and to the party and the government. Thank you.

Central Radio and Television General Station Yang Guang reporter:

As a representative of poverty alleviation for the disabled, what changes have taken place in your life and thoughts before and after poverty alleviation?

Liu Hongxia:

As far as I’m concerned, I’m actually grateful to those who helped me in times of difficulty. I have changed a lot. I got rid of poverty this year. I decided to buy some clothes for my mother-in-law at the end of this year during the Spring Festival, because I haven’t changed clothes for several years. It doesn’t matter what I wear because I work. I am very grateful to my mother-in-law for her life, and now she has changed a lot. I must buy her a decent dress for the Spring Festival this year. In a few years, we are going to buy a family car and get rid of poverty. I am very happy.

Li Jian:

Before getting rid of poverty, my family was particularly poor. Now, through my own efforts and this year’s struggle, I have bought a car, which is more encouraging to the people. They say that Li Jian has no arm, and he is not afraid of hardships when he goes to work in the fields every day. We have to follow suit and get rich slowly, so it is very important for me. Now I have bought a car and some furniture at home in recent years. Although there are disabled people at home, no one in the village looks at it.

Xie Lu:

Because I couldn’t see because of a car accident in 2011, because we were in the countryside, and our education level was not very high. Later, we didn’t have any jobs. After the car accident, it was really difficult at home, like I was very special. My father died when I was 6 years old, and my mother died because of a car accident the year after my car accident. In those years, there were many things in the family, and my wife carried the whole family alone. We also had one. I remember that in 2013, the family really couldn’t keep going. Our village arranged a minimum living allowance for us, and it was very difficult to live a normal life at home. We went to visit relatives and guests in the countryside, and sometimes we didn’t know it, but we went to be guests. When people went there, we had to hang some bride price, and our relatives also hung up. We blamed ourselves during that time.

Later, after several years, in 2014, the government issued a poverty alleviation policy, and my family also included poverty-stricken households who set up files and set up cards. Later, the relevant departments gave subsidies. I remember that the third time was the Mid-Autumn Festival, Tengchong City gave a Chinese New Year’s fee and sent it home. They gave 2,000 yuan, and they bought clothes for their families. In the following years, with the help of the Disabled Persons’ Federation government and departments at all levels, in 2014, there was a policy. I began to try to breed native chickens and rented a few acres of land. The rent was all about when and when to pay. It has been raised for more than a year, but it was ok at first, because it usually doesn’t snow in Tengchong. There was a heavy snow that year, which killed many chickens and caused a lot of losses. With the help of various departments, I learned the technology again, and now I have learned massage. In fact, I am very happy now, because I am not afraid to go out like before, because I feel that people my age can go out to work, and I look normal, but I can’t do anything. Now, whether I go out or go home, my waist is straight. Now I can confidently say that I can support the whole family through my hands and let my wife and two daughters live a better life. Thank you.

Attack Yan Chun:

Thank you, Xie Lv. Although there are ups and downs in life, there are actually more gains in this process.

Jia Ru:

Just listened to Xie Lv’s words, I have a deep feeling. When it comes to their changes, take all the disabled people who live in our park, just like Xie Lv. In fact, I think their changes have changed their living environment in addition to earning a dignity and an income by their own hands. The most important thing is their strength in their bones. They have changed from their bones, so they have made a difference from their hearts by relying on their own strength.

Guoguang reporter from Central Radio and Television General Station:

Hello, Xie Lv. Just now, when you introduced the situation, you said that the massage shop has been open for more than a year and is on the right track. What are your plans and plans for your next life? Thank you.

Now my massage shop has been open for more than a year. During this time, I have been studying massage techniques with great care, listening to radio and research, and I am very interested in studying anything useful to the massage industry. After attending the massage training for helping the blind to get rid of poverty last year, I think it is very important to learn knowledge. I want to continue to learn a lot of knowledge and skills, and I want to go to college. Because I have learned a lot of knowledge and skills, I can build my future life more perfectly and better. We blind massage, based on Chinese medicine, want to study and take an examination of a Chinese medicine university, study the technology more, and further plan the massage shop. Before I came to Beijing, the chairman of Tengchong Disabled Persons’ Federation told me that they wanted to turn my massage shop into an image shop to help the blind get rid of poverty. I’m really happy. My current massage shop is only over 30 square meters, and my ability is limited. I want to build a bigger shop and lead those blind friends who have no employment to my massage shop, because I know firsthand that it is really difficult to find a job. I want to expand the massage shop, and anyone who needs it is willing to go out and come to my massage shop. I am willing to teach them skills for free, so that they can realize a platform to support themselves with their own hands and lead them to start a new life. This is my original plan, thank you.

Guangming Daily reporter:

Ms. Jia Ru, you have been engaged in helping the disabled for many years, and you have encountered all kinds of difficulties. You have also witnessed the stories of many disabled friends creating a happy life with their hands. What do you think is the most touching and unforgettable thing along the way? Thank you.

Jia Ru:

Thank you for your question. What impressed me most along the way was, to be honest, an unforgettable touch. Along the way, in the past 15 years, I have brought them here in this way, and experienced difficulties that others can’t imagine, but the most touching sentence is an unforgettable touch. First of all, on the site, now our double-creation garden is that our county party committee and county government vacated the original open space of our county civil affairs nursing home, integrated these elderly people into our county’s comprehensive service center, vacated the site for us, gave us the site, and expanded from the original 9 mu to the current 20 mu, giving us a platform.

What I will never forget is that our county party secretary took us to sell our disabled people’s own products and traveled to many places, our own anti-haze masks and our own series of products. Because the secretary of the county party Committee is very busy, he takes the poverty alleviation of the disabled to heart, puts down his figure and face, and does everything for the disabled to get rid of poverty. It is also his encouragement, which gives me the confidence and courage to persist. Our county disabled persons’ Federation, including all departments of women’s federations, has always supported and helped us. Up to now, our county has given us nearly 3 million awards and support funds. With our county’s poverty alleviation subsidy for disabled employment, I have made an assessment here. The disabled people I lead must rely on their own hands for an income of not less than 500 yuan every month for six consecutive months. There are 2,400 yuan for each person and 1,000 yuan for employment support, which are used for the disabled people’s employment incentives. There is also the song "We Love Here" written by the deputy director of the Standing Committee of the People’s Congress of our county and the director of the cultural center for this special group in our county up to now, which has sung the park and also resounded through the Tang Dynasty.

Before I came, everyone in our park was telling me that more than 100 people, maybe I came here today as their leader, but I should be sitting here with their dreams and hopes to meet with you. I represent all of them. When they came, they also told me, Director Jia, if you go there, you can bring the song of Double Creation Garden to everyone. This is our heartfelt voice and let everyone see our heartfelt spirit and cry. Today, because of the time, I take up a little of your time, so I will take two sentences to the media friends here. I can’t sing well. Just listen to the lyrics.

"Bitter fate, hurt, little dream just stand up. Touching myself and stepping onto the stage, my little wish is just to fly. "

I take these lyrics with the hope of our special group of people and represent their voices, so I dedicate these songs to the media friends present here. They especially want everyone to see the strength in their bones and work hard on their own. This is my heartfelt voice.

Attack Yan Chun:

Time relationship, last question.

Xinhua News Agency reporter:

You have just mentioned that over the years, the state and local governments have issued many relevant policies and assistance for the disabled to get rid of poverty. What policies do you think have played a very key role in getting rid of poverty or helping the disabled to get rid of poverty? Thank you.

Xie Lu:

With the support of government departments and disabled persons’ federations at all levels, the disabled persons’ federations at all levels have given financial support to help us start our own businesses, such as making shops and all kinds of necessary equipment more perfect and advanced, in a word, it is superior. Training technology, in recent years, the project of helping the blind get rid of poverty has been insisting on helping our blind friends, and there are several training and upgrading classes every year, which gives us confidence. Because the training course is not only a massage technique training, but also a lot of things worth learning and training. After the training, the trainees who have finished their own business training are invited to work in our store, which solves the problem of their difficulty in finding jobs and finding employees. This is a policy help to us.

Since the poverty alleviation project, with all kinds of training and support from governments at all levels and the Disabled Persons’ Federation, in fact, I am from the countryside, because I didn’t know about training before, and I didn’t even hear about it. I received a notice last year, and I felt very fresh and strange. When I went to the training of the Municipal Disabled Persons’ Federation, to be honest, many of them were disabled people in the mountains and really didn’t come out. Now, with the policy, many disabled people can learn technology and learning skills, and they can stand on their own feet, which is very good. Thank you.

Li Jian:

I want to say a word. I feel that the government’s main support now is "helping the poor and disabled". It is necessary to make poor households and disabled people have ambition and work hard on their own, so as to truly achieve the effect of poverty alleviation.

Jia Ru:

My understanding is also that it is better to teach people to fish than to teach them to fish. If we let our disabled friends go on, we must change their minds. I believe that the relevant funds and policies of the government can be used to stimulate their endogenous motivation, so that they can change from the heart, make them self-reliant by their own hands, make them determined first, and then encourage them to develop their own wisdom, innovate and realize their dreams. Therefore, I think we should pay more attention to their inner changes, which is a change in their thoughts. Thank you.

Liu Hongxia:

Our village is a small one, with only a few disabled people. Because the Disabled Persons’ Federation provides poverty relief, one person in 80 yuan and one year in 960 yuan, but we still have to rely on the spirit of self-improvement to create a better life, because if we don’t get a well-off life.

Attack Yan Chun:

Before the meeting is over, I wonder if the four delegates have anything to add.

Liu Hongxia:

I won’t say anything. I’m very grateful to the parents of the Disabled Persons’ Federation for their help, as well as our folks, brothers and sisters. Let’s work together for a better tomorrow. Thank you.

Xie Lu:

Finally, I want to thank all the journalists and friends, because in recent years, our government departments are also very concerned about the cause of the disabled, and we know it. But I hope all disabled friends can come out on their own. Because of the government’s help and support, we can’t rely solely on the government all our lives. Just as this person said just now, we should have ambition. For example, the blind can’t see, but we have hands. We can stand on our own feet and rely on our own hands to support ourselves. With the government’s support, but we blind and disabled people can’t walk out without following. Therefore, we should be confident and strong. No matter how difficult we encounter, we should believe that the difficulties are really only temporary. In the end, we should choose to smile at life, face the reality, bravely walk out, embark on the most beautiful road, and give our family and ourselves a bright return. Thank you.

Jia Ru:

Here I also have a word for all disabled friends. Don’t think that you are useless. Although we are physically disabled, we never give up. We rely on our own hands to make our own life. We have light in our hearts and are not afraid of the long road. Come on.

Li Jian:

I think, like ordinary people, we disabled people should insist on starting our own businesses, and don’t wait for others, including the government’s support. Support is on the one hand. Only when we start our own businesses can we really get rich. Thank you.

Liu Hongxia:

I have an idea. My husband and I have discussed that we are going to withdraw the minimum living allowance at the end of next year, give it to people in need, and let it go. Because we are out of poverty, it is getting better and better every day. I said that the minimum living allowance should be cancelled at the end of next year, so it is not necessary. Once again, I would like to thank the responsible person, my helpers and the resident team, who often guide our work. Thank you.

Attack Yan Chun:

There are so many people to thank that it is difficult to list them all.

Xie Lu:

It suddenly occurred to me to say something. Because yesterday was our 35th Day for the Blind, I am very happy to be here in the capital for this festival, which is a good gift. In the evening, I received good news. Yesterday, the Disabled Persons’ Federation installed a glass door in my shop. Because winter is coming, it is going to be winter, and it is a little cold. They installed a new door. Comrades of the Disabled Persons’ Federation, it is not easy for them. They are always thinking of us for the sake of our disabled people. Thank them. I will definitely work harder in the future and be able to repay the society and the party and the government with my own hands. Thank you.

Attack Yan Chun:

Thank you all. Today’s meeting time is not long. It should be said that among all the meetings I presided over, I personally think it is the most touching one. Personally, I am also very educated, encouraged and inspired. When we talk about tackling poverty, we often say that we need to help the poor and help the wise. I think the representatives of the disabled and the disabled people sitting on the stage today have explained to us with their personal experiences that sometimes the ambition of the disabled is higher than that of the healthy people. Their practice and efforts have encouraged us all and given us more confidence in the work of tackling poverty! At the same time, it also makes us feel that we should pay more attention and warmth to disabled friends, and let us run towards a better life together, which is also the goal of our party and government. Thank you again to the representatives on the stage, and thank you all. This is the end of today’s meeting.

The appearance of Corvette C7 will evolve in 2013.

  [Information] A few days ago, overseas media exposed the news of the new generation (C7). It is reported that the appearance design of the new generation Corvette in the future will have an evolution compared with the current models, and the shape will be more European.


Chevrolet Chevrolet (imported) Corvette 2010 C6


"Cash Corvette C6"



  The upcoming C7 design will not use the classic split rear window, which first appeared in 1963 and was previously applied to the Corvette Stingray in 2009. In this regard, GM said that this design will not become standard, but it is not clear whether it is optional.


Chevrolet Chevrolet (imported) Corvette 2009 Stingray


Chevrolet Chevrolet (imported) Corvette 2009 Stingray


"The concept car of Corvette Stingray released in 2009"


  The Corvette C7 will be built with the same chassis as the current C6, and the technical changes of the future models will not be great. In terms of power, the new car is expected to be equipped with a 6.2-liter and 7-speed manual transmission, and the previously rumored 5.5-liter V8 supercharged engine may not be available to the new car. It is reported that the new generation of Corvette will be launched in mid-2013 and produced in GM’s factory in Kentucky, USA.


  Editor’s languagePerhaps the split rear window design above is not very important to us, but it is a classic continuation for American car fans. The shape of the concept car of the Corvette Stingray is really amazing. I wonder if the future C7 production car can be adopted. We will continue to pay attention to more news. (Compile/car home Wang Yin)


  Read more:


  Debuted in Chevrolet Corvette C7 spy photos in 2014.
  //www.autohome.com.cn/news/201108/226772.html


  The new generation Corvette will be equipped with 7 speeds.
  //www.autohome.com.cn/news/201109/246411.html




The price will exceed one million jeep big cut srt8 will be imported into car home next year.


Click to enter: 2011 Guangzhou Auto Show

Aston Martin dbs quotes Ford DBX Aston Martin

For those car lovers who fall in love with Aston Martin DBS, its elegance and gentlemanly atmosphere are undoubtedly its charm. Although it is different from the tough style of Lamborghini and Ferrari, Aston Martin shows a different style with its unique design philosophy. The front face is designed with a low body layout and a large air intake grille. The use of the internal honeycomb grille adds a sporty atmosphere to the vehicle, and the assembled carbon fiber front lip further strengthens the identity of its super sports car, aiming at reducing weight and achieving the best performance.

The side lines of the car body are smooth and cater to the young aesthetic. The application of carbon fiber and all-aluminum materials not only enhances the aesthetic feeling, but also plays an important role in lightweight. The air outlet on the front fender not only improves the visual effect, but also gives consideration to heat dissipation and downforce. In the rear part, the penetrating LED taillights, carbon fiber tail fins, sports enclosure and bilateral exhaust layout together create a perfect combination of strength and aesthetics. Even if performance is not discussed, Aston Martin’s design is enough to attract attention.

Stepping into the car, the interior of DBS may not be as eye-catching as the appearance, but the surrounding central control layout and a large number of leather packages create a unique sense of luxury. The three-position multi-function steering wheel provides a mix of carbon fiber and leather, and the 8-inch LCD screen adds technological elements to the interior. Although the on-board function is relatively conservative, Bang&Olufsen audio can meet the needs of sound quality seekers.

In terms of size, the body size of 4712/1968/1280mm and the wheelbase of 2805mm ensure a certain seating space. The front seats of DBS provide comfortable wrapping and are suitable for daily driving, but the rear space may be slightly insufficient for long-distance travel. In terms of hardware, the 5.2TV12 engine and the eight-speed automatic manual transmission show amazing performance, and the 0-100km/h acceleration time is only 4 seconds.

As for the driving experience, although I have never personally tested the Aston Martin DBS, from its positioning and configuration, it is undoubtedly a high-end and difficult-to-control sports car. For those car owners who pursue driving passion and brand value, Aston Martin’s unique brand charm, elegant design and strong dynamic performance are behind the price of more than 4 million.

To sum up, the charm of Aston Martin DBS lies not only in its appearance and performance, but also in its unique brand and high-end experience, which together constitute the reason why it has become the dream of many car fans. From the above introduction, we can clearly see that Aston Martin does have exciting charm and value.

In 2025, the JD.COM 618 event will be opened in advance. Taobao 618 red envelope collection method Tmall 618 will be opened on May 13.

When the sunshine in midsummer is getting stronger, the JD.COM 618 Shopping Carnival in 2025 is also ready to go like the blazing sun. JD.COM carefully planned, from commodity reserve to game innovation, and then to subsidy upgrade, all-round efforts were made to bring consumers an unprecedented shopping feast, so that the whole summer was immersed in the joy of value-for-money shopping.

The JD.COM 618 event has a clear rhythm and presents different surprises to consumers in stages. At 8 o’clock on the evening of May 13th, the "Heart Shopping Season" took the lead in igniting shopping enthusiasm. As a warm-up activity, it will last until May 28th. In this more than half a month, consumers can explore good things in advance, feel the festive atmosphere, and lock in the discounts of their favorite products in advance. Then, at 8 o’clock on the evening of May 31st, JD.COM 618 officially kicked off. At that time, massive and over-valued goods will be fully sold, and all kinds of preferential activities will be in full swing, and a shopping spree will soon be staged.

At the beginning of the event, the most anticipated red envelope benefits were launched. On May 13th, JD.COM 618 red envelopes were officially opened for grabs! Just open the mobile phone JD.COM APP and search for "Shopping red envelope 999",there are three opportunities to receive red envelopes every day, and the welfare will last until June 18. For more than a month, you can harvest surprise red envelopes with your fingers easily. These red envelopes can be directly deducted from cash during shopping settlement, which can really save money whether it is daily consumption or purchasing large items.

This time, JD.COM 618 achieved a comprehensive innovation in gameplay and built a rich and diverse marketing matrix. In the basic gameplay, classic preferential activities such as "over 200 MINUS 20 coupons" and "cross-store full reduction" have returned strongly, and the preferential strength has been further increased. Consumers can easily enjoy direct reduction and exemption as long as they meet the conditions, no matter whether they buy a single item or place an order in a cross-store combination, and these offers can also be superimposed, so that consumers can really spend small money and buy good things.

JD.COM State Subsidies: Search for "in JD.COM APP"Mobile phone 500"or"Apple mobile phone 886"Buy mobile phone tablet digital products, and enjoy the highest 500 yuan subsidy; Search "Household appliances special 818The maximum subsidy for purchasing home appliances can reach 2,000 yuan, helping consumers to bring high-quality goods home at more affordable prices.

In addition to the basic gameplay, JD.COM has carefully created seven theme promotion days, namely, surprise day, super spike day, 10 billion subsidy day, super provincial special price day, super live broadcast day, PLUS member day and ten thousand stores spike day. These theme days run through the heart shopping season and the official activity period of 618, and each theme day has its own charm. There are random discounts and mysterious benefits hidden in surprise days; Super spike day hot goods limited time low price spike; On the 10 billion subsidy day, JD.COM invested a huge amount of money to subsidize goods, and the cost performance was full; Super-provincial special day focuses on good things with high cost performance; Well-known anchors on Super Live Day bring exclusive coupons and interactive lottery; PLUS members enjoy exclusive discounts and preemptive rights; Ten thousand stores kill the day, and a large number of stores simultaneously open the discount. During the event, many stars and popular IP will also be strongly linked, bringing interesting interaction and rich prizes, making shopping full of surprises and joy.

Taobao 618 red envelope password

Mobile phone Taobao search [Just be happy.】 You can receive the 618 red envelope.

If you like Taobao Tmall to buy things, you can get the official 618 red envelopes. The denomination is large, which is still very worthy of everyone’s collection. It is more fragrant when superimposed, and you can get a large red envelope after completing the task.

The whole 618 activity is divided into four stages. At the beginning stage, the explosive goods are launched at a low price, and consumers can snap up popular new products at the first time; During the special period, promotional activities will be carried out in turn according to categories to accurately meet the segmentation needs of different consumers; During the climax, all kinds of carnival, the preferential intensity reached its peak, and the benefits such as red envelopes, full reductions and discounts were covered in all directions; The return period provides consumers who missed the previous activities with the last chance to pick up the missing items. Hot goods are replenished at affordable prices and sufficient inventory.

In terms of characteristic play, JD.COM has more bright spots. The "Spike" channel launched activities such as Super Spike Day and Big-name Spike Day, which helped businesses to enhance their exposure and gave consumers more opportunities to snap up big-name good things at ultra-low prices. The innovative "State Subsidy × 10 Billion Subsidy" channel combines policy dividends with platform concessions to create a shopping feast with the largest annual concessions. Consumers can enjoy double subsidies when purchasing a variety of goods, and realize low-cost shopping on the whole network. The "Special Price" channel brings activities such as "50% discount on special weekend", "2 yuan postage" and "factory direct sale", so that consumers can enjoy the super-value shopping experience. JD.COM app searches for [Shopping Red Packet 999] to get 618 red packets. The "Trial" channel has been upgraded, and JD.COM has invested billions of resources to implement the model of "try first and then buy" big-name explosive products, which not only reduces the shopping risk of consumers, but also helps brands to pull new promotions and achieve a win-win situation.

In 2025, JD.COM 618, with full sincerity and innovative gameplay, invites consumers to go to this affordable and interesting shopping feast. Whether you are a fashionista who pursues quality or a home expert who pays attention to cost performance, you can find your own shopping fun here and start a summer shopping spree!

How do citizens do personal protection? Nanjing CDC expert: Open the window regularly for ventilation for at least 30 minutes at a time.

  Cctv newsOn the morning of August 19th, Nanjing held the 30th press conference to report the latest situation of epidemic prevention and control.

  According to Ding Xiaoping, deputy director of the Nanjing Municipal Health and Health Commission, since August 19th, Lukou Street in Jiangning District of Nanjing has changed from a medium-risk area to a low-risk area, and Nanjing has achieved low risk in the whole region.

  Next, how will Nanjing citizens continue to do personal protection?

  Ding Songning, deputy director of the Department of Acute Infectious Diseases Prevention and Control of Nanjing CDC, said that low risk does not mean zero risk. First of all, we should strengthen daily prevention and control, especially strengthen environmental ventilation, open windows regularly for ventilation, and maintain indoor air circulation. The ventilation time is not less than 30 minutes.

  Second, we should do a good job of cleaning and disinfection, keep the environment of some key places such as elevators in public areas clean and tidy, clean up the garbage in time, and do a good job of disinfection of the surface of high-frequency contact objects.

  Ding Songning suggested that we should continue to reserve epidemic prevention materials, such as masks, gloves, protective clothing, disinfectants, hand sanitizers, thermometers, thermometers and emergency medicines.

  Public toilets should be equipped with sufficient hand sanitizer or disinfection facilities for induction equipment, and the faucet should be kept in normal use, so that enough flowing water can flow out.

  He also suggested that air conditioning should be used as little as possible when the temperature is suitable and natural ventilation should be maintained. In crowded places, windows should be opened for ventilation and ventilation fans should be turned on to increase the fresh air volume.

  Ding Songning said that it is necessary to follow the epidemic prevention and control regulations, determine the emergency plan, strengthen the training and training of personnel, establish a health monitoring system for employees, check the health code every day, and monitor the body temperature normally. Only when it is normal can you enter the workplace. If there is abnormality, you should go to the hospital in time for investigation.

  At the same time, employees are required to plant all kinds of COVID-19 vaccines and do corresponding protection. Office space should also pay attention to the density and control of people flow, try to carry out online meetings and less offline meetings, and so on.

Don’t miss it! "Ocean Treasure" makes your health value full.

  2025 National Nutrition Week series activities "Interpretation of the Core Information of Increasing Aquatic Products Intake", delivered by Cai Jing (School of Public Health, Qingdao University).

  CCTV News:Hello, foodies, health people! Did you really eat right? There is a natural "super food", which is delicious and versatile, nourishing off the charts … It is seafood! Don’t think that this is just an occasional "big meal". Recently, the "2025 National Nutrition Week" has set off a healthy whirlwind. Among the 30 core messages of "healthy diet and reasonable diet", the importance of increasing the intake of aquatic products has been particularly emphasized! Why? Hurry up and dive into the deep sea to explore!

Don't miss it! "Ocean Treasure" makes your health value full.

  Seafood: the "all-around star" your body craves!Say goodbye to "difficult eating choice"! Aquatic products are simply:

  1. The outbreak of the nutrition universe: high-quality protein (which is easily absorbed and utilized by the human body), Omega-3 (a smart card with smaller seconds) for nourishing the brain, and countless treasures of vitamins and minerals!

  2. Lightweight and no burden: Compared with some other meats, the calories of aquatic products and those "annoying" saturated fats are usually lower. Let you eat happily and relax!

  3, the variety is dazzling: from fresh fish to Q-bomb shrimp, to nutrient-rich algae-the whole ocean is your dish!

  Sounds good … how much do you want to eat?

  That’s the point! Dietary Guidelines for China Residents (2022) suggests that:

  Adults: Eat 300-500 grams a week. That is almost 1-2 delicious seafood meals!

  Vivid metaphor: Eat three palm-sized fish a week, or two large handfuls of shelled shrimps. Is it super simple?

  Pay special attention to the crowd: babies, pregnant mothers and nursing mothers, as well as our great old friends, eat more water products appropriately, and the benefits are simply not too much:

  Babies and children: the "accelerator" of brain and vision development (smart baby, happy family! )。

  Pregnant mothers and new mothers: "building bricks and tiles" for the baby’s nervous system development.

  Elderly friends: help to maintain cognitive function, enhance immunity, or a good friend of the heart.

  Meet the "MVP" (the most valuable player) in the ocean!

  Although all aquatic products are great, there are always a few "top students":

  1. Fatty fish (superhero of brain and heart):

  Star representatives: salmon, mackerel, eel, etc.

  ?
Why it is: it is rich in Omega-3 fatty acids (DHA and EPA-commonly known as "fish oil"! )。 They are superstars that fight inflammation, keep blood vessels open, and reduce the risk of cardiovascular disease and stroke. Moreover, vitamins A and D are also very rich!

  Tell you quietly: adding 100-300 grams of this kind of fish every week can make a big difference!

  2. Algae (undervalued treasure):

  Star representatives: kelp, Undaria pinnatifida, laver, etc.

  Why it is: rich in iodine (the guardian of thyroid health), vitamin K and folic acid.

  Little secret of iodine: If you live in an iodine-deficient area, seaweed is your good friend! If your area is full of iodine or has thyroid concerns, just enjoy it in moderation.

  Small coup of kelp processing: after soaking and cleaning, stew for about 30 minutes, which can not only reduce some iodine content, but also make the taste softer and easier to digest.

  3, shellfish (small body, big energy):

  Star representatives: clams, oysters, mussels, shrimps, crabs and so on.

  Why it is: a high-quality source of important minerals such as iron, zinc and selenium. Of course, high-quality protein and beneficial Omega-3 are also indispensable!

  Essential cheats of seafood control: from market to table!

  1. The sound of "fresh" takes people away:

  Choose fish to see the eyes: clear and bright. Touch the fish to see the meat: firm and elastic. Smell the fish and listen to the taste: fresh ocean breath (by no means "fishy"! )。

  Cooking magic: steaming, stir-frying, stewing and baking are all good partners! They can retain nutrition and flavor to the greatest extent. Try to fry as little as possible.

  Steaming: lock the original flavor and moisture.

  Stir-fry: stir-fry quickly and lock in nutrition.

  Braised stew: the flavor blends, and the soup is the essence!

  2, freezing is also wonderful:

  Can’t buy fresh ones? Frozen products are also a great choice! Modern quick-freezing technology can lock nutrition well.

  Storage tip: seal it in the refrigerator (preferably -18℃ or lower) and try to eat it within 6 months to ensure the best flavor.

  3, dry goods are exquisite (pay attention to here):

  Dried seafood is easy to preserve and has a unique and rich flavor.

  ?
Read the label carefully! Some salted and smoked fish and shrimp products may be high in salt. If you are controlling salt intake or have other health considerations, be sure to read the nutrient composition table carefully. Not sure? Ask a nutritionist!

  In the future, "fish" is closer to you!

  Good news! The food industry is becoming more and more powerful, and various kinds of convenient and nutritious processed aquatic products emerge one after another, which makes it more convenient for us to eat seafood, choose more yuan and have higher nutritional utilization rate!

  Focus, take it away!

  More draught products are a simple and delicious secret of health upgrading. From a more flexible brain to a stronger heart, the benefits are visible!

  Goal: 1-2 seafood meals a week (300-500g).

  Bold early adopters! Try all kinds of fish, shrimp, shellfish and algae.

  Cook intelligently to maximize flavor and nutrition.

  What are you waiting for? Hurry into the delicious embrace of seafood and let your body thank you!

  Acknowledgement of reference materials: This content refers to the series of popular science activities of "National Nutrition Week in 2025" "Interpretation of Core Information on Increasing Aquatic Products Intake", which was preached by Cai Jing (School of Public Health, Qingdao University).

[Editor in charge:

]

Announcement of the People’s Bank of China No.22 in 2006 (No.234 in total)

GAZETTEOF PEOPLE′S BANK OF CHINA

28 December 2006 No.22 (total No.234)

catalogue

Order No.1 [2006] of the People’s Bank of China

Order No.2 [2006] of the People’s Bank of China

Notice of the People’s Bank of China on strengthening the promotion of micropayment system business

Guiding Opinions of the People’s Bank of China on Promoting the Business Development of Commercial Acceptance Bills.

Order of China People’s Bank

2006] No.1

According to the Anti-Money Laundering Law of People’s Republic of China (PRC), the Law of the People’s Republic of China on the People’s Bank of China and other laws, the People’s Bank of China has formulated the Anti-Money Laundering Regulations for Financial Institutions, which were adopted at the 25th executive meeting of the President on November 6, 2006, and are hereby promulgated and shall come into force as of January 1, 2007.

President: Zhou Xiaochuan

November 14th, 2006

provisions on anti money laundering of financial institutions

Article 1 These Provisions are formulated in accordance with the Anti-Money Laundering Law of People’s Republic of China (PRC), the Law of the People’s Republic of China on the People’s Bank of China and other relevant laws and administrative regulations in order to prevent money laundering activities, standardize the supervision and management of anti-money laundering and the anti-money laundering work of financial institutions, and maintain financial order.

Article 2 These Provisions shall apply to the following financial institutions legally established within the territory of People’s Republic of China (PRC):

(1) Commercial banks, urban credit cooperatives, rural credit cooperatives, postal savings and remittance institutions and policy banks;

(2) Securities companies, futures brokerage companies and fund management companies;

(3) Insurance companies and insurance asset management companies;

(4) Trust and investment companies, financial asset management companies, finance companies, financial leasing companies, auto financing companies and money brokerage companies;

(5) Other financial institutions determined and announced by the People’s Bank of China.

Institutions engaged in remittance business, payment and settlement business and fund sales business shall apply the provisions of these Provisions on the supervision and administration of anti-money laundering of financial institutions.

Article 3 The People’s Bank of China is the administrative department in charge of anti-money laundering in the State Council, and supervises and manages the anti-money laundering work of financial institutions according to law. China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission perform their duties of anti-money laundering supervision and management within their respective scope of duties.

The People’s Bank of China shall cooperate with relevant departments, institutions and judicial organs of the State Council in the process of performing its anti-money laundering duties.

Article 4 The People’s Bank of China conducts international cooperation on anti-money laundering on behalf of the China Municipal Government under the authorization of the State Council. The People’s Bank of China may establish cooperation mechanisms with anti-money laundering institutions in other countries or regions to implement cross-border anti-money laundering supervision and management.

Article 5 The People’s Bank of China shall perform the following anti-money laundering supervision and management duties according to law:

(1) To formulate or work with China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission to formulate anti-money laundering regulations for financial institutions;

(2) To be responsible for monitoring the anti-money laundering funds of RMB and foreign currency;

(3) To supervise and inspect the performance of anti-money laundering obligations by financial institutions;

(four) to investigate suspicious trading activities within the scope of duties;

(5) reporting to the investigation organ the trading activities suspected of money laundering;

(six) in accordance with the provisions of relevant laws and administrative regulations, exchange information and materials related to anti-money laundering with overseas anti-money laundering institutions;

(seven) other relevant duties stipulated by the State Council.

Article 6 The People’s Bank of China shall set up China Anti-Money Laundering Monitoring and Analysis Center to perform the following duties according to law:

(1) Receiving and analyzing reports on large transactions and suspicious transactions of RMB and foreign currency;

(2) Establishing a national anti-money laundering database, and properly keeping the information of large-value transactions and suspicious transaction reports submitted by financial institutions;

(3) Report the analysis results to the People’s Bank of China as required;

(4) Requiring financial institutions to make timely corrections to reports on large transactions and suspicious transactions of RMB and foreign currency;

(5) With the approval of the People’s Bank of China, exchange information and materials with relevant overseas institutions;

(6) Other duties as stipulated by the People’s Bank of China.

Article 7 The People’s Bank of China and its staff shall keep confidential the information obtained by performing their anti-money laundering duties according to law, and shall not provide it to the outside world in violation of regulations.

China Anti-Money Laundering Monitoring and Analysis Center and its staff shall keep confidential the customer identity data, large-value transactions and suspicious transaction information obtained by performing anti-money laundering duties according to law; It shall not be provided to any unit or individual except in accordance with the law.

Article 8 Financial institutions and their branches shall establish and improve anti-money laundering internal control system according to law, set up special anti-money laundering institutions or designate internal institutions to be responsible for anti-money laundering work, formulate internal anti-money laundering operating rules and control measures, conduct anti-money laundering training for their staff, and enhance their anti-money laundering work ability.

The responsible persons of financial institutions and their branches shall be responsible for the effective implementation of the internal control system against money laundering.

Article 9 A financial institution shall establish and implement a customer identification system in accordance with regulations.

(a) to identify the identity of customers who require to establish business relations or handle one-time financial business with a specified amount or more, and to require customers to show their true and valid identity documents or other identification documents, check and register them, and update their identity information in time when it changes;

(2) Understand the purpose and nature of the customer’s transaction in accordance with regulations, and effectively identify the beneficiary of the transaction;

(3) If abnormal signs are found in the course of handling business or the authenticity, validity and completeness of the previously obtained customer identity data are in doubt, the customer identity shall be re-identified;

(four) to ensure that the overseas financial institutions with which it has an agency relationship or similar business relationship can effectively identify customers, and can obtain the required customer identity information from the overseas financial institutions. The specific implementation measures specified in the preceding paragraph shall be formulated by the People’s Bank of China jointly with China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission.

Article 10 A financial institution shall, within the prescribed time limit, properly keep customer identity information and data information, business vouchers, account books and other relevant information that can reflect each transaction. The specific implementation measures specified in the preceding paragraph shall be formulated by the People’s Bank of China jointly with China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission.

Article 11 Financial institutions shall report large transactions and suspicious transactions of RMB and foreign currency to China Anti-Money Laundering Monitoring and Analysis Center in accordance with regulations. The specific implementation measures specified in the preceding paragraph shall be formulated separately by the People’s Bank of China.

Article 12 The People’s Bank of China, together with China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission, shall guide self-regulatory organizations in the financial industry to formulate anti-money laundering guidelines for their own industries.

Thirteenth financial institutions in the process of fulfilling their anti-money laundering obligations, if they find a suspected crime, they shall promptly report it in writing to the local branch of the People’s Bank of China and the local public security organ.

Fourteenth financial institutions and their staff shall assist and cooperate with judicial organs and administrative law enforcement organs to combat money laundering activities according to law. Overseas branches of financial institutions shall abide by the laws and regulations on anti-money laundering in the host country or region and assist in the work of anti-money laundering institutions in the host country or region.

Fifteenth financial institutions and their staff shall keep confidential the customer identity information and transaction information obtained by performing anti-money laundering obligations according to law; It shall not be provided to any unit or individual except in accordance with the law.

Financial institutions and their staff shall keep confidential the information related to anti-money laundering, such as reporting suspicious transactions and cooperating with the People’s Bank of China in investigating suspicious transactions, and shall not provide it to customers and other personnel in violation of regulations.

Sixteenth financial institutions and their staff to submit large transactions and suspicious transaction reports according to law, protected by law.

Seventeenth financial institutions shall, in accordance with the provisions of the people’s Bank of China, submit anti-money laundering statistics, information and audit reports related to anti-money laundering work.

Article 18 The People’s Bank of China and its branches may take the following measures to conduct on-site inspection of anti-money laundering according to the needs of performing anti-money laundering duties:

(1) Entering financial institutions for inspection;

(two) ask the staff of financial institutions to explain the relevant inspection items;

(three) to consult and copy the documents and materials related to the inspection items of financial institutions, and to seal up the documents and materials that may be transferred, destroyed, hidden or tampered with;

(four) to check the system of financial institutions using electronic computers to manage business data.

China People’s Bank or its branches shall fill in the on-site inspection project approval form before carrying out the on-site inspection, listing the inspection object, inspection content, time arrangement and other contents, and implement it after being approved by the person in charge of China People’s Bank or its branches.

On-site inspection, the number of inspectors shall not be less than 2, and the law enforcement certificate and inspection notice shall be presented; If the number of inspectors is less than 2 or the law enforcement certificate and inspection notice are not produced, the financial institution has the right to refuse the inspection.

After the on-site inspection, the People’s Bank of China or its branch shall make an on-site inspection opinion, affix its official seal and deliver it to the inspected institution. On-site inspection opinions include inspection situation, inspection evaluation, improvement opinions and measures.

Article 19 The People’s Bank of China and its branches may, according to the needs of performing anti-money laundering duties, talk with the directors and senior managers of financial institutions and ask them to explain the major issues of financial institutions’ anti-money laundering obligations.

Article 20 The People’s Bank of China shall conduct on-site inspections of financial institutions and, if necessary, notify the China Banking Regulatory Commission, the China Securities Regulatory Commission or the China Insurance Regulatory Commission of the inspection.

Article 21 If the People’s Bank of China or its provincial branches find that suspicious trading activities need to be investigated and verified, they can investigate customer account information, trading records and other relevant materials involved in suspicious trading activities from financial institutions, and financial institutions and their staff members shall cooperate with them.

The People’s Bank of China or its provincial branches mentioned in the preceding paragraph include the head office, Shanghai headquarters, branches, business management departments, provincial capital city center branches and sub-provincial city center branches of the People’s Bank of China.

Twenty-second people’s Bank of China or its provincial branches to investigate suspicious transactions, you can ask the staff of financial institutions, ask them to explain the situation; Consult and copy the account information, transaction records and other relevant materials of the customers of the financial institutions under investigation; Documents and materials that may be transferred, hidden, tampered with or damaged may be sealed up.

When investigating suspicious trading activities, the number of investigators shall not be less than 2, and the law enforcement certificate and the notice of investigation issued by the People’s Bank of China or its provincial branches shall be presented. To consult, copy and seal up the account information, transaction records and other relevant materials of the financial institution customers under investigation shall be approved by the person in charge of the People’s Bank of China or its provincial branches. If the investigator violates the prescribed procedures, the financial institution has the right to refuse the investigation.

Inquiries shall be recorded. The record of inquiry shall be checked by the person being questioned. If there are omissions or errors in the records, the person questioned may ask for supplements or corrections. After the person questioned confirms that the transcript is correct, he shall sign or seal it; Investigators should also sign the record.

Investigators should check the documents and materials sealed together with the staff of the financial institution present, and make a list in duplicate on the spot, which shall be signed or sealed by the investigators and the staff of the financial institution present, one for the financial institution and one for future reference.

Article 23 If the suspicion of money laundering cannot be ruled out after investigation, it shall immediately report the case to the investigation organ with jurisdiction. Financial institutions shall immediately report to the local branches of the People’s Bank of China if customers request to transfer the account funds involved in the investigation abroad. With the approval of the person in charge of the People’s Bank of China, the People’s Bank of China may take temporary freezing measures and notify the financial institutions in writing, and the financial institutions shall implement them immediately after receiving the notice.

If the investigation organ considers it necessary to continue freezing after receiving the report, the financial institution shall cooperate after receiving the notice of the investigation organ to continue freezing. If the investigation organ considers it unnecessary to continue freezing, the People’s Bank of China shall immediately notify the financial institution in writing to lift the temporary freezing after receiving the notice that the investigation organ does not need to continue freezing.

Temporary freezing shall not exceed 48 hours. If a financial institution fails to receive the notice of the investigation organ to continue freezing within 48 hours after taking temporary freezing measures according to the requirements of the People’s Bank of China, it shall immediately lift the temporary freezing.

Twenty-fourth people’s Bank of China and its branches engaged in anti-money laundering work personnel have one of the following acts, shall be given administrative sanctions according to law:

(a) in violation of the provisions of the inspection, investigation or take temporary freezing measures;

(2) divulging state secrets, business secrets or personal privacy known for anti-money laundering;

(three) in violation of the provisions of the relevant institutions and personnel to implement administrative punishment;

(four) other acts that do not perform their duties according to law.

Article 25 If a financial institution violates these provisions, it shall be punished by the People’s Bank of China or its branches at or above the central branch of the city in accordance with the provisions of Articles 31 and 32 of the Anti-Money Laundering Law of People’s Republic of China (PRC); According to different situations, it is suggested that China Banking Regulatory Commission, China Securities Regulatory Commission or China Insurance Regulatory Commission take the following measures:

(1) Ordering financial institutions to suspend business for rectification or revoke their business licenses;

(two) to cancel the qualifications of directors, senior managers and other directly responsible personnel of financial institutions, and prohibit them from engaging in relevant financial industry work;

(3) Ordering financial institutions to give disciplinary sanctions to the directors, senior managers and other directly responsible personnel.

County (city) sub-branch of China People’s Bank finds that financial institutions violate these provisions, and shall report to its superior branch, which shall punish or make suggestions in accordance with the provisions of the preceding paragraph.

Article 26 Where the People’s Bank of China and its branches at or above the central sub-branches of cities impose administrative penalties on financial institutions that violate these provisions, they shall abide by the relevant provisions of the Provisions of the People’s Bank of China on Administrative Punishment Procedures.

Twenty-seventh the provisions shall come into force as of January 1, 2007. On January 3, 2003, the Regulations on Anti-Money Laundering of Financial Institutions issued by the People’s Bank of China was abolished at the same time.

Order of China People’s Bank

2006] No.2

According to the Anti-Money Laundering Law of People’s Republic of China (PRC), the Law of the People’s Republic of China on the People’s Bank of China and other laws and regulations, the People’s Bank of China formulated the Measures for the Administration of Large-value Transactions and Suspicious Transactions Reports of Financial Institutions, which was adopted at the 25th Executive Meeting of the President on November 6, 2006, and is hereby promulgated and shall come into force as of March 1, 2007.

President: Zhou Xiaochuan

November 14th, 2006

Measures for the administration of large-value transactions and suspicious transaction reports of financial institutions

Article 1 These Measures are formulated in accordance with the Anti-Money Laundering Law of People’s Republic of China (PRC), the People’s Bank of China Law of the People’s Republic of China and other relevant laws and administrative regulations in order to prevent the use of financial institutions for money laundering activities and standardize the reporting of large-value transactions and suspicious transactions by financial institutions.

Article 2 These Measures shall apply to the following financial institutions legally established within the territory of People’s Republic of China (PRC):

(1) Commercial banks, urban credit cooperatives, rural credit cooperatives, postal savings and remittance institutions and policy banks.

(2) Securities companies, futures brokerage companies and fund management companies.

(3) Insurance companies and insurance asset management companies.

(4) Trust and investment companies, financial asset management companies, finance companies, financial leasing companies, auto financing companies and money brokerage companies.

(5) Other financial institutions determined and announced by the People’s Bank of China.

These Measures shall apply to the reporting of large transactions and suspicious transactions by institutions engaged in exchange business, payment and clearing business and fund sales business.

Article 3 The People’s Bank of China and its branches shall supervise and inspect financial institutions’ performance of reports on large-value transactions and suspicious transactions.

Article 4 The People’s Bank of China shall set up the China Anti-Money Laundering Monitoring and Analysis Center, which shall be responsible for receiving reports on large transactions and suspicious transactions of RMB and foreign currency.

China Anti-Money Laundering Monitoring and Analysis Center finds that the large transaction report or suspicious transaction report submitted by a financial institution contains incomplete elements or errors, and can issue a notice of correction to the financial institution that submitted the report, and the financial institution shall make corrections within 5 working days after receiving the notice of correction.

Article 5 A financial institution shall set up a special anti-money laundering post, and clearly designate a person to be responsible for reporting large-value transactions and suspicious transactions.

Financial institutions shall, in accordance with these Measures, formulate internal management systems and operating procedures for reporting large-value transactions and suspicious transactions, and report to the People’s Bank of China for filing.

Financial institutions shall supervise and manage the implementation of the reporting system for large-value transactions and suspicious transactions of their subordinate branches.

Article 6 Financial institutions and their staff shall keep confidential the reports of suspicious transactions and shall not provide them to any unit or individual in violation of regulations.

Article 7 A financial institution shall, within five working days after the occurrence of a large-value transaction, submit a large-value transaction report to China Anti-Money Laundering Monitoring and Analysis Center in an electronic way through its headquarters or an institution designated by the headquarters. If there is no headquarters or it is impossible to submit large transactions to China Anti-Money Laundering Monitoring and Analysis Center through the headquarters and the institutions designated by the headquarters, the reporting method shall be separately determined by the People’s Bank of China.

Large-value transactions of customers through accounts or bank cards opened in domestic financial institutions shall be reported by the financial institution that opened the account or the issuing bank; Large-value transactions of customers through overseas bank cards shall be reported by the acquiring bank; Large-value transactions that customers do not make through their accounts or bank cards shall be reported by financial institutions that handle business.

Article 8 A financial institution shall report suspicious transactions to its headquarters, and the headquarters of the financial institution or an institution designated by the headquarters shall submit them electronically to China Anti-Money Laundering Monitoring and Analysis Center within 10 working days after the suspicious transactions occur. If there is no headquarters or it is impossible to submit suspicious transactions to China Anti-Money Laundering Monitoring and Analysis Center through the headquarters and the institutions designated by the headquarters, the reporting method shall be separately determined by the People’s Bank of China.

Article 9 Financial institutions shall report the following large-value transactions to China Anti-Money Laundering Monitoring and Analysis Center:

(1) Cash deposit, cash withdrawal, cash settlement and sale, cash exchange, cash remittance, cash bill payment and other forms of cash receipts and payments for a single or accumulated RMB transaction of more than 200,000 yuan or foreign currency transactions with the equivalent value of more than US$ 10,000.

(2) The transfer of funds between the bank accounts of legal persons, other organizations and individual industrial and commercial households, or the accumulated amount of RMB 2 million or more on the same day or the foreign currency equivalent of more than US$ 200,000.

(3) Transfer of funds between bank accounts of natural persons, and between bank accounts of natural persons and legal persons, other organizations and individual industrial and commercial households, with a single sum or a cumulative sum of more than RMB 500,000 yuan or a foreign currency equivalent of more than USD 100,000.

(4) Cross-border transactions in which one party to the transaction is a natural person, single transaction or accumulated equivalent value of more than USD 10,000 on the same day.

The cumulative transaction amount shall be calculated and reported unilaterally with a single customer as the unit and according to the income or payment of funds, unless otherwise stipulated by the People’s Bank of China.

Where a customer conducts financial transactions with securities companies, futures brokerage companies, fund management companies, insurance companies, insurance asset management companies, trust and investment companies, financial asset management companies, finance companies, financial leasing companies, auto finance companies, money brokerage companies, etc., and transfers money through bank accounts, commercial banks, urban credit cooperatives, rural credit cooperatives, postal savings and remittance institutions, and policy banks shall, in accordance with Items (2) and (3) of Paragraph 1.

The People’s Bank of China may adjust the standards for large-value transactions stipulated in the first paragraph according to needs.

Article 10 A financial institution may not report a large transaction that meets one of the following conditions if it is not found suspicious:

(1) After the time deposit expires, it is not directly withdrawn or transferred, but the principal or the principal plus all or part of the interest is continuously deposited in another account under the same account name opened in the same financial institution.

The principal or principal plus all or part of interest of demand deposit is converted into time deposit in another account under the same account name opened by the same financial institution.

The principal or principal plus all or part of interest of time deposit is transferred to another account opened in the same financial institution under the same account name.

Current deposit in the account.

(2) Conversion between different foreign currencies in the process of foreign exchange trading by natural persons.

(3) One party to the transaction is party organs, state power organs, administrative organs, judicial organs, military organs, organs of the Chinese People’s Political Consultative Conference, the People’s Liberation Army and the Armed Police Force at all levels, but it does not include all kinds of enterprises and institutions under it.

(4) Inter-bank lending by financial institutions and bond transactions in the inter-bank bond market.

(5) Gold transactions conducted by financial institutions in gold exchanges.

(6) Allocating funds within financial institutions.

(seven) transactions under the loan-to-loan business of international financial organizations and foreign governments.

(8) Debt swap transactions under loans from international financial organizations and foreign governments.

(9) Taxation, correction of wrong accounts and interest payment initiated by commercial banks, urban credit cooperatives, rural credit cooperatives, postal savings and remittance institutions and policy banks.

(10) Other circumstances as determined by the People’s Bank of China.

Article 11 Commercial banks, urban credit cooperatives, rural credit cooperatives, postal savings and remittance institutions, policy banks and trust and investment companies shall report the following transactions or behaviors as suspicious transactions:

(1) In a short period of time, funds are transferred in and out in a centralized way, or transferred in and out in a centralized way, which is obviously inconsistent with customers’ identity, financial status and business operations.

(two) in a short period of time, the same payee frequently receives and pays funds, and the transaction amount is close to the large transaction standard.

(3) Legal persons, other organizations and individual industrial and commercial households frequently receive remittances that are obviously unrelated to their business operations in the short term, or natural person customers frequently receive remittances from legal persons and other organizations in the short term.

(4) An account that has been idle for a long time is suddenly opened for unknown reasons, or an account that usually has a small capital flow suddenly has an abnormal capital inflow, and a large amount of funds are received and paid in a short period of time.

  (5) Capital transactions with customers from drug trafficking, smuggling, terrorist activities, gambling areas or tax-avoidance offshore financial centers have increased significantly in a short period of time, or a large number of funds have been received and paid frequently.

(six) there is no normal reason to open an account or cancel an account, and a large amount of funds have been received and paid before the account is cancelled.

(7) Repaying the loan in advance is obviously inconsistent with its financial situation.

(8) Most of the RMB funds purchased by customers for overseas investment are cash or transferred from different bank accounts.

(9) The customer requests the swap business between local currency and foreign currency, and the source and use of the funds are suspicious.

(10) Customers often deposit traveler’s checks or foreign currency drafts opened abroad, which is inconsistent with their business conditions.

(11) Foreign-invested enterprises invest in foreign currency in cash or transfer funds abroad in a short time after receiving the investment funds, which is inconsistent with their production and operation payment needs.

(12) The amount of capital invested by the foreign party of a foreign-invested enterprise exceeds the approved amount, or the direct foreign debt borrowed by the foreign party is remitted from a third country with no affiliated enterprise.

(13) A securities institution instructs a bank to set aside funds unrelated to securities trading and liquidation, which is inconsistent with its actual operation.

(14) Securities institutions frequently borrow large amounts of foreign exchange funds through banks.

(fifteen) insurance institutions frequently pay a large number of payments to the same applicant through the bank or cancel the insurance.

(16) A natural person’s bank account frequently receives and pays cash and the situation is suspicious, or a large amount of cash is deposited and withdrawn at one time and the situation is suspicious.

(17) After receiving foreign exchange remitted from abroad frequently, resident natural persons ask banks to issue traveler’s checks and drafts, or non-resident natural persons frequently deposit foreign currency cash and ask banks to issue traveler’s checks and drafts, and take them out or frequently order and cash a large number of traveler’s checks and drafts.

(eighteen) a number of domestic residents accept a remittance from offshore account, and the transfer and settlement of funds are operated by one or a few people.

Article 12 Securities companies, futures brokerage companies and fund management companies shall report the following transactions or behaviors as suspicious transactions:

(1) The customer’s fund account frequently shows cash receipts and payments close to the standard of large cash transactions for unknown reasons, which obviously evades the monitoring of large cash transactions.

(2) A customer who has no transaction or a small transaction volume requests to transfer a large amount of funds to another person’s account, and there is no obvious transaction purpose or use.

(3) The client’s securities account has been idle for a long time, but the fund account frequently receives and pays large amounts of funds.

(4) accounts that have been idle for a long time are suddenly opened for unknown reasons, and a large number of securities transactions occur in a short period of time.

(5) Having business contacts with countries and regions with high risk of money laundering.

(6) buying and selling a large number of securities in a short period of time after opening an account, and then quickly closing the account.

(seven) customers do not conduct futures trading for a long time or a small amount, but a large number of funds are received and paid in their capital accounts.

(8) Customers who have not conducted futures trading for a long time suddenly conduct futures trading frequently for unknown reasons in the short term, and the amount of funds is huge.

(9) Customers frequently take the same futures contract as the target, open positions at one price and close positions at the same or roughly the same price, the same amount or nearly the same amount, and then withdraw funds.

(10) When a customer, as a seller of futures trading, delivers imported goods, he cannot provide complete customs declaration documents and tax payment vouchers, or provide forged or altered customs declaration documents and tax payment vouchers.

(11) The client requests that the fund share be transferred by non-transaction and cannot provide legal documents.

(12) Clients frequently handle the transfer custody of fund shares without reasonable reasons.

(thirteen) the customer requests to change its information, but the relevant documents and materials provided are suspected of being forged or altered.

Article 13 An insurance company shall report the following transactions or behaviors as suspicious transactions:

(a) short-term decentralized insurance, centralized surrender or centralized insurance, decentralized surrender without reasonable explanation.

(two) frequent insurance, surrender, change of insurance or insurance amount.

(3) Paying abnormal attention to the provisions on auditing, underwriting, claim settlement, payment and surrender of insurance companies, but not paying attention to the guarantee function and investment income of insurance products.

(4) It is said that a large amount of invoices are lost when surrendering during the hesitation period, or the total amount of invoices lost by the same policyholder for multiple surrenders in a short period of time reaches a large amount.

(5) It is found that the obtained information about the names, titles, residences, contact information or financial status of the applicant, the insured and the beneficiary is untrue.

(six) the insurance products purchased are obviously inconsistent with the expressed needs, and they still insist on purchasing after being explained by financial institutions and their staff.

(seven) to buy a large amount of insurance policy by wholesale, which is inconsistent with its economic situation.

(8) Refusing the insurance policy with a large premium during the hesitation period, surrendering the insurance within a short period after the insurance contract takes effect, or withdrawing the cash value, and requiring the surrender money to be transferred to a third-party account or a non-payment account.

(9) Insisting on surrendering without paying attention to the great financial losses that may be caused by surrendering, and unable to reasonably explain the reasons for surrendering.

(10) obviously overpaying the insurance premiums payable in the current period and immediately requesting the return of the excess.

(eleven) insurance brokers pay premiums, but can not explain the source of funds.

(twelve) legal persons and other organizations insist on the return of premiums in cash or by transferring them to non-payment accounts, and can not reasonably explain the reasons.

(thirteen) legal persons and other organizations to pay the first premium or wholesale premium from the non unit account or from overseas bank accounts.

(14) paying the insurance premium of a natural person through a third person, but the relationship between the third person and the applicant, the insured and the beneficiary cannot be reasonably explained.

(15) Having business contacts with countries and regions with high risk of money laundering.

(sixteen) without reasonable reasons, the applicant insists on using cash to insure, compensate, pay insurance money, refund the cash value of insurance premiums and policies, and pay other funds in a large amount.

(17) When an insurance company pays compensation or insurance benefits, the customer requests that the funds be remitted to a third party other than the insured or beneficiary; Or the customer requests to remit the refunded insurance premium and cash value of the policy to someone other than the insured.

Article 14 Except for the circumstances specified in Articles 11, 12 and 13 of these Measures, financial institutions and their staff members shall submit suspicious transaction reports to China Anti-Money Laundering Monitoring and Analysis Center if they find that other transactions are abnormal in terms of amount, frequency, flow direction and nature.

Article 15 Financial institutions shall analyze and identify the transactions involved in all suspicious transaction reports submitted to China Anti-Money Laundering Monitoring and Analysis Center in accordance with these Measures. If there are reasonable reasons to believe that the transactions or customers are related to money laundering, terrorist activities and other illegal and criminal activities, they shall also report to the local branch of the People’s Bank of China and cooperate with the administrative investigation of anti-money laundering of the People’s Bank of China.

Article 16 For transactions that are both large-value transactions and suspicious transactions, financial institutions shall submit large-value transaction reports and suspicious transaction reports respectively.

If the transaction meets two or more criteria for large-value transactions at the same time, financial institutions shall submit large-value transaction reports respectively.

Article 17 Financial institutions shall provide true, complete and accurate transaction information in accordance with the requirements of the elements of large-value transaction and suspicious transaction reports attached to these Measures (see the attached table for the elements), and make electronic documents of large-value transaction reports and suspicious transaction reports. The specific reporting format and reporting requirements shall be formulated separately by the People’s Bank of China.

Eighteenth financial institutions in violation of these measures, the people’s Bank of China shall be punished in accordance with the provisions of Article 31 and Article 32 of the Anti-Money Laundering Law of People’s Republic of China (PRC); According to different situations, it is suggested that China Banking Regulatory Commission, China Securities Regulatory Commission or China Insurance Regulatory Commission take the following measures:

(1) Ordering financial institutions to suspend business for rectification or revoke their business licenses.

(two) to cancel the qualifications of directors, senior managers and other directly responsible personnel of financial institutions, and prohibit them from engaging in the relevant financial industry.

(3) Ordering financial institutions to give disciplinary sanctions to the directors, senior managers and other directly responsible personnel.

The county (city) sub-branch of the People’s Bank of China finds that a financial institution violates these measures, and shall report to its superior branch, which shall punish or make suggestions in accordance with the provisions of the preceding paragraph.

Article 19 Where the People’s Bank of China and its branches at or above the central sub-branches of cities impose administrative penalties on financial institutions that violate these measures, they shall abide by the relevant provisions of the Provisions of the People’s Bank of China on Administrative Punishment Procedures.

Article 20 The following terms in these Measures have the following meanings:

"Short-term" means within 10 working days, including 10 working days.

"Long-term" means more than one year.

"Large amount" means that the transaction amount is single or accumulated below but close to the standard of large-value transactions.

"Frequent" means that the transaction occurs more than 3 times a day on business days, or it occurs every day for more than 3 days on business days.

"Above", including this number.

Article 21 These Measures shall come into force as of March 1, 2007. On January 3, 2003, China People’s Bank issued the Measures for the Administration of Large and Suspicious RMB Payment Transaction Reports (Order No.2 [2003] of the People’s Bank of China) and the Measures for the Administration of Large and Suspicious Foreign Exchange Fund Transaction Reports of Financial Institutions (Order No.3 [2003] of the People’s Bank of China) shall be abolished at the same time.

Attached Table: Elements of Large-value Transactions and Suspicious Transactions Report of Financial Institutions

attached table

Contents of report elements of large-value transactions and suspicious transactions of financial institutions

List of elements of large transaction report

Number element name Number element name

1 financial institution name 2 financial institution code type

3 Financial Institution Code 4 Customer Name/Name

5 Customer ID/supporting document type 6 Customer ID/supporting document number

7 Customer Nationality 8 Name of Agent

9 ID card/certificate type of agent 10 ID card/certificate number of agent

11 Nationality of Agent 12 Account Type

13 account number 14 transaction date

15 business identification number 16 transaction method

17 fund receipt and payment mark 18 transaction destination

19 Use of funds 20 Currency

21 Transaction Amount 22 Name of the counterparty’s financial institution

23 Counterparty Financial Institution Code Type 24 Counterparty Financial Institution Code

25 Counterparty Name 26 Counterparty ID/supporting document type

27 Counterparty ID/supporting document number 28 Counterparty account type

29 Counterparty Account Number 30 Reporting Date

List of elements of suspicious transaction report of banking financial institutions

Number element name Number element name

1 financial institution name 2 financial institution code type

3 Financial Institution Code 4 Customer Name/Name

5 Customer ID/supporting document type 6 Customer ID/supporting document number

7 Customer Type 8 Customer Contact Information

9 Customer Nationality 10 Name of Agent

11 ID card/certificate type of agent 12 ID card/certificate number of agent

13 Nationality of Agent 14 Occupation of Personal Client

15 Industry category of corporate customers 16 Registered capital of corporate customers

17 Name of legal representative of corporate client 18 Type of identity document of legal representative of corporate client

19 corporate customer legal representative ID number 20 account type

21 account number 22 account opening time

23 account cancellation time 24 transaction date

25 Transaction Method 26 Business Identification Number

27 signs of receipt and payment of funds 28 sources and uses of funds

29 Currency 30 Transaction Amount

31 Name of counterparty financial institution 32 Code type of counterparty financial institution

33 Counterparty Financial Institution Code 34 Counterparty ID/supporting document type

35 Counterparty Name/Name 36 Counterparty Account Type

37 Counterparty ID/supporting document number 38 Counterparty account number

39 Description of suspicious transaction characteristics 40 Filler

41 Date of report

List of elements of suspicious transaction report of financial institutions in securities and futures industry

Number element name Number element name

1 financial institution name 2 financial institution code type

3 financial institution code 4 financial institution contact information

5 Customer’s name/name 6 Customer’s ID card/supporting document type

7 Customer ID/supporting document number 8 Customer type

9 Customer contact information 10 Customer occupation or industry

11 Name of agent 12 ID card/certificate type of agent

13 ID card/certificate number of agent 14 Information of major shareholders of corporate clients

15 Name of legal representative of corporate client 16 ID number of legal representative of corporate client

17 ID card type of legal representative of corporate customer 18 Securities/fund/futures account number

19 Fund/settlement account No.20 Name of the opening bank of the fund/settlement account

21 Transaction Date 22 Transaction Type

23 transaction variety code 24 business identification number

25 Currency 26 Transaction Amount

27 direction of capital inflow and outflow 28 mode of capital inflow and outflow

29 Name of Handler/Transaction Instructor 30 Type of ID of Handler/Transaction Instructor

31 ID number of the handler/transaction indicator 32 Description of suspicious transaction characteristics

33 Reporting by 34 Reporting Date

List of elements of suspicious transaction report of insurance financial institutions

Number element name Number element name

1 financial institution name 2 financial institution code type

3 financial institution code 4 financial institution contact information

5 Place of business occurrence 6 Name/name of the applicant

7 ID card/certificate type of the applicant 8 ID card/certificate number of the applicant

9 policyholder type 10 customer contact information

11 Customer’s occupation or industry 12 Name of the insured

13 ID card/certificate type of the insured 14 ID card/certificate number of the insured

15 Relationship between the applicant and the insured 16 Name of beneficiary

17 beneficiary’s ID card/certificate type 18 beneficiary’s ID card/certificate number

19 Information of major shareholders of corporate clients 20 Name of legal representative of corporate clients

21 ID number of legal representative of corporate client 22 ID type of legal representative of corporate client

23 insurance name 24 insurance contract number

25 Insurance Period 26 Overview of Insurance Contents

27 Transaction Date 28 Transaction Type

29 Currency 30 Transaction Amount

31 direction of capital inflow and outflow 32 mode of capital inflow and outflow

33 fund account bank 34 bank transfer fund account number

35 Handler/Transaction Instructor ID Type 36 Name of Handler/Transaction Instructor

37 Description of suspicious transaction characteristics 38 ID number of the handler/transaction indicator

39 Report Date 40 Filer

People’s Bank of China on Strengthening the Micro-payment System

Notice on matters related to business promotion

Yinfa [2006] No.384

China People’s Bank Shanghai Headquarters, branches, business management departments, provincial capital city center branches and Shenzhen city center branches; All policy banks, state-owned commercial banks and joint-stock commercial banks:

With the strong cooperation and joint efforts of banks, the People’s Bank of China completed the construction and promotion of micropayment system in the whole country in June 2006. The micropayment system can support the application of various payment tools, meet the needs of low-cost and large-volume payment and clearing services in society, and become a safe and efficient public platform for interbank payment and clearing and business innovation of banking financial institutions. In order to give full play to the functions of the micropayment system and effectively improve the social public payment environment, the relevant matters concerning strengthening the business promotion of the micropayment system are hereby notified as follows:

First, strengthen business organization and publicity to improve social awareness.

Strengthening business organization and publicity is an important measure to promote the business of micropayment system. The Shanghai headquarters of the People’s Bank of China, branches, business management departments, and city center sub-branches of provincial capitals should coordinate relevant departments of local governments and make full use of various media to strengthen business organization and publicity, so as to further promote the business development of micropayment systems and support banks to expand and innovate their businesses by using micropayment systems; Starting from the payment demand of social and economic activities, combined with the functional characteristics of the micropayment system, we should comprehensively publicize the business knowledge of the micropayment system and improve the pertinence and effectiveness of the publicity. All banking financial institutions should strengthen the business training of micropayment system, especially the training of front-line business and management personnel; It is necessary to make full use of the service window, publicize the business functions of the micropayment system to the account opening unit, and improve the public’s awareness.

Two, combined with the actual situation in various places, strengthen the promotion of new business of micropayment system.

Five basic services, such as general debit, general credit, regular debit, regular credit and information service, have been opened in the micropayment system, and the check deposit business has been piloted in Tianjin, Hainan and Gansu provinces (cities). According to the business promotion plan, before the end of 2006, the People’s Bank of China will complete the pilot projects of check interception business of micropayment system in Gansu Province, deposit and withdrawal business in Shandong Province and centralized collection and payment business of clearing organizations in Shaanxi Province. The Shanghai headquarters of the People’s Bank of China, branches, business management departments, and central sub-branches of provincial capitals should do a good job in promoting the new business of micropayment system, determine the types of business to be promoted according to the actual situation in the region, formulate corresponding implementation plans and institutional measures, and organize their implementation within their jurisdiction after being approved by the head office.

Three, improve the contract (agreement) database, improve the efficiency of regular debit business.

The establishment of contract (agreement) database is the basis for the paying bank to handle the regular debit business accurately and efficiently, and it is also an important basis for the bank to confirm payment and avoid legal risks. The Shanghai headquarters of the People’s Bank of China, branches, business management departments, and central sub-branches of provincial capitals shall, in accordance with the requirements of business processing, formulate and improve the coding standards for regular debit business contracts (agreements) within their jurisdiction, organize banks to develop and build a contract (agreement) database in their front-end systems, and urge banks, enterprises and institutions to standardize, store and maintain the regular debit business contracts. The contract (agreement) number can be the authorization number of the payer to authorize his bank to deduct money. All banking financial institutions shall complete the establishment of the database of regular debit business contracts (agreements) before the end of March 2007, and coordinate the account opening units to do a good job in warehousing the regular debit business contracts (agreements).

Fourth, do a good job in bank-enterprise interface development and improve business processing efficiency.

It is an important means to improve the efficiency of business processing to develop the interface between banks and account opening units. At present, many enterprises and institutions still adopt the traditional way of submitting paper-based vouchers to the account-opening bank when handling batch business such as regular borrowing (lending), and the bank needs to record the information of paper-based vouchers one by one, and then convert them into electronic payment instructions of micropayment system, which is cumbersome and inefficient. All banking financial institutions should combine the business processing characteristics of micropayment system, coordinate account opening units with large business volume, develop the interface of business processing system between banks and enterprises, and enterprises should submit business data to the account opening bank by magnetic media or online mode to realize electronic processing of business data transmission.

Five, the reform of invoice delivery mode, convenient for charging unit business processing.

After the micropayment system is in operation, the paper-based vouchers of public utility charges and other services are intercepted at the receiving bank, and the charge invoices cannot be transmitted simultaneously. Because the payer needs to deal with the accounts according to the charge invoice and the debit receipt from the bank where the account is opened, it is necessary to properly solve the problem of charge invoice transmission for public utilities through the micropayment system. All branches of the People’s Bank of China should coordinate all banking institutions and charging units, and choose a simple, timely and economical delivery method for charging invoices. The charging unit may deliver the charging invoice by mail or direct delivery, or its bank may deliver the charging invoice through the same city bill exchange channel. In view of the characteristics of electronic processing of public utilities’ charging business, all branches of the People’s Bank of China should actively coordinate with local tax authorities to confirm the legal status of the bank issuing deduction receipts instead of charging invoices, so as to facilitate the business processing of the receiving and paying units.

Six, cancel the paper-based delivery of special entrusted collection in the same city to prevent operational risks.

At present, in some cities, public utility fees and public welfare fees are collected by special entrustment in the same city, and the collection of inter-bank fees needs to pass paper vouchers to the payer’s bank for review through the clearing house, which has many business links and low processing efficiency, and there are certain potential risks. The Shanghai headquarters of the People’s Bank of China, branches, business management departments, and city center sub-branches of provincial capitals should coordinate with banking financial institutions in light of local actual conditions, and cancel the paper-based transfer processing method of special entrusted collection in the same city within their jurisdiction before July 1, 2007, and all related businesses will be handled through the regular debit business of micropayment system.

Seven, the natural elimination of the same city clearing system

The local city clearing system has played a certain role in improving local financial services and promoting local economic development. After years of operation, some clearing systems in the same city have reached or approached their life cycle. In view of the fact that the micropayment system can replace the same city clearing system in functional design, in order to integrate the central bank’s payment and clearing service resources and avoid redundant construction and waste of resources, no new city clearing system can be built without the approval of the Head Office in the future. The existing clearing system in the same city should be eliminated naturally, and those that have reached the life cycle should stop running immediately; Those that have not reached the life cycle can maintain safe and stable operation, but they cannot be upgraded. If the local clearing system in the same city continues to operate, banking financial institutions may independently choose the same city clearing system or micropayment system to handle payment business according to the principle of marketization, and no unit or individual may interfere.

Eight, lower the system fees, mobilize the enthusiasm of participants to handle business through the system.

The charging standard of payment system business is an important benchmark to transmit the charging price of banking payment and settlement services, and it is also an important factor to attract banking financial institutions to handle business through payment system. The People’s Bank of China has decided to lower the charging standard for banking financial institutions to handle payment services through micropayment system from January 1, 2007, lower the benchmark price of small business packages from 5 yuan to 0.5 yuan, and lower the charging price of single payment services; Start the business fee return mechanism, and return the debit business fee to the initiating bank of business receipt at a certain rate; Cancel the toll increase rate during peak hours; Gradually realize the free policy of handling public welfare payment through micropayment system. See the annex for specific charging standards.

The fees charged by banking financial institutions to customers shall be subject to the provisions of the Notice of the State Planning Commission and the People’s Bank of China on Formulating the Fees for Electronic Remittance (No.791 [2001]). For businesses whose government-guided prices have not been clearly defined, the banking financial institutions shall determine them by themselves according to the principle of marketization.

Nine, the introduction of incentive mechanism to promote the development of micropayment system business.

In order to fully mobilize the enthusiasm of all participants, system operators and business management departments, and promote the development of micropayment system business, the People’s Bank of China will establish an evaluation mechanism for the promotion of micropayment system business. The head office of the People’s Bank of China will regularly make statistics and reports on the business volume handled by various regions and banks through the micropayment system, and give corresponding fee concessions to banking financial institutions that handle business through the micropayment system within a certain period of time. The head office of the People’s Bank of China will include the business promotion and business publicity organization of the micropayment system in Shanghai headquarters, branches, business management departments and provincial capital city central branches in the annual assessment.

Ten, strengthen the operation management, ensure the safe and stable operation of the system.

Large and small payment systems are two main application systems of China’s modern payment system, and their safe and stable operation directly affects the normal operation of the economy and the public’s confidence in the payment system. It is necessary to strengthen the operation management and improve the operation and maintenance mechanism to ensure the safe and stable operation of the system. The operating departments at all levels of the payment system should conscientiously implement the 7×24-hour operation duty system of the micropayment system and earnestly fulfill the commitment of the central bank to social services; Strict system operation inspection system, regular inspection of the main and standby machines and operating environment of the payment system, to ensure that the main and standby equipment of the system can automatically switch operation in case of failure; Adhere to the system of regular reporting on operation, and report the operation of the system to the superior operation department and the competent business department on a regular basis, and report any major problems in time; Establish and improve the emergency response plan of the payment system, organize emergency drills regularly, and improve the emergency response capability of the system.

Attachment: service charge standard of micropayment system

People’s Bank of China

Press release issued on November 3, 2006

attachment

Service charge standard of micropayment system

(Effective from January 1, 2007)

Category, business category, time period, charging standard, charging ratio of off-site business and city business (%)

Toll service

Ordinary credit is 17: 30-8: 300.24 yuan/pen and 0.08 yuan/pen.

808: 30-17: 300.3 yuan/pen 0.1 yuan/pen 100.

Real time debit

Real-time credit 17: 30-8: 300.6 yuan/pen.

0.2 yuan/pen 808: 30-17: 300.75 yuan/pen 0.25 yuan/pen 100.

Ordinary debit

Periodic debit

Credit 17: 30-8: 300.1 regularly.

0 yuan/pen 0.03 yuan/pen 808: 30-17: 300.12 yuan/pen 0.04 yuan/pen 100

General information 0.01 yuan /Kb

Real-time information 1 yuan /Kb

Payment service package

(ordinary debit, ordinary credit,

Regular debit, regular credit,

Real-time debit and real-time

Credit) 0.5 yuan/bag

Query message

Free-form message 1 yuan/pen (same as large payment system)

Toll-free check interception service

Check image business receipt

Credit refund

Check message

Business initiated by the People’s Bank of China and the State Treasury 0

Fee-based return service type return target

accurate

Ordinary debit 50%/ transaction

Regular debit 30%/ transaction

The people’s bank of China and the state treasury as payment

Party’s debit business 0 yuan/transaction.

People’s Bank of China on promoting

Guiding opinions on the business development of commercial acceptance bills

Yinfa [2006] No.385

A commercial acceptance bill is a bill issued by a legal person or other organization and accepted by a payer other than a bank. The payer unconditionally pays a certain amount to the payee or holder on a specified date. Commercial acceptance bill is a credit payment tool based on commercial credit, which has the characteristics of clear rights and obligations, negotiable payment and transferable discount. Promoting the use of commercial acceptance bills is conducive to enriching the means of payment of enterprises and coordinating the relationship between production, supply and marketing of enterprises; It is conducive to alleviating the arrears of payment between enterprises and maintaining the normal and smooth commodity trading order; It is conducive to promoting the organic combination of bank credit and enterprise commercial credit and alleviating the contradiction of financing difficulties for small and medium-sized enterprises; It is conducive to promoting the commercialization of commercial credit, enriching the instruments of the bill market and promoting the development of the bill market; It is conducive to establishing and perfecting a good credit mechanism, enhancing social credit awareness and improving social credit degree.

In recent years, China’s commercial bill business has developed rapidly, and the scale of acceptance, discount and reposting of commercial bills has been expanding, which has played a positive role in facilitating payment and settlement of enterprises, broadening financing channels of enterprises and improving the quality of credit assets of commercial banks. However, the structural contradiction between the high proportion of bank acceptance bills and the low proportion of commercial acceptance bills is more prominent.

In order to further improve the settlement efficiency of enterprises, adjust the category structure of commercial bills, guide and encourage the development of commercial credit, and give play to the role of commercial acceptance bills in promoting social and economic development, we hereby put forward the following opinions.

First, mobilize the enthusiasm of all parties and establish a benign mechanism to effectively promote commercial acceptance bills.

The People’s Bank of China should organize commercial banks to formulate specific implementation plans to promote the use of commercial acceptance bills, select and encourage some enterprises with good credit standing and relatively stable relationship between production, supply and marketing to issue, accept and transfer commercial acceptance bills in commodity trading and labor supply; Through key demonstration, from point to area, the commercial acceptance bill business between high-quality enterprises and upstream and downstream enterprises will be carried out to promote other enterprises to widely use commercial acceptance bills; According to the national macro-control policies and industrial development policies, according to local conditions, commercial acceptance bills issued by enterprises with good credit status should be given rediscount support; It is necessary to create conditions, promote the establishment of a convenient inquiry platform for commercial acceptance bills, and reduce the transaction cost of commercial acceptance bills; It is necessary to study and explore a reasonable price mechanism to promote the development of commercial acceptance bill business in accordance with the principle that cost, income and risk are symmetrical and conducive to mobilizing the enthusiasm of all parties.

Commercial banks should change their ideas, innovate the development form of commercial acceptance bill business, explore new profit growth points and realize a win-win situation for banks and enterprises; We should continue to explore the establishment of bill franchises, expand and improve the business scope of bill franchises, and promote the specialized and intensive operation of bill business; Vigorously promote the mode of bank credit boosting enterprise commercial credit, explore the combination of letter of guarantee business, bill guarantee business and commercial acceptance bill business, and adopt the forms of guarantee and sticker for commercial acceptance bill to improve the credit guarantee degree of commercial acceptance bill; Do a good job in granting credit to commercial acceptance bills, and give discount support to commercial acceptance bills issued by enterprises with good credit status.

Enterprises can make use of the characteristics of commercial acceptance bill to pay by contract, and pay by issuing commercial acceptance bill when delaying payment. Conditional SMEs can choose enterprises with good credit and strong financial strength as guarantors of commercial acceptance bills, so as to enhance the credit of bills and promote the circulation of commercial acceptance bills accepted by SMEs. Encourage the payee to accept commercial acceptance bills on the basis of fully understanding the credit status of the payer, reduce oral credit and credit on account, and improve the contract performance rate.

Two, give full play to the role of the basic database of enterprise credit information, and enhance the confidence of enterprises in accepting commercial acceptance bills.

The People’s Bank of China should study and promote the use of enterprise credit information in the business of commercial acceptance bills, increase publicity, guide and encourage commercial banks and enterprises to use the basic database of enterprise credit information according to law when handling commercial acceptance bills, and provide credit inquiry support for the promotion of commercial acceptance bills. It is necessary to organize intermediaries with social credibility to carry out enterprise credit rating in a planned way, and promote the combination of rating results and bank credit support. It is necessary to continue to increase the collection of enterprise credit information, expand the scope of information collection, and collect and disclose information such as illegal opening and use of bank settlement accounts, default payment, evasion of debts, and unpaid taxes through appropriate means.

Commercial banks should strengthen the collection, collation, analysis and utilization of customer payment and settlement credit information, track and understand the issuance, acceptance and payment of commercial acceptance bills by enterprises, and actively submit bad payment information and other credit information of the acceptor of commercial acceptance bills to the People’s Bank of China. The bank of account of the acceptor of a commercial acceptance bill shall cooperate with the reasonable inquiry of the holder’s bank and the discount bank.

Encourage the drawer and acceptor of commercial acceptance bills to conduct credit rating, and incorporate the rating results into the basic database of enterprise credit information, and accept inquiries according to law. When an enterprise handles the business of commercial acceptance bills, the drawer and acceptor should strictly abide by the settlement principle of "abiding by credit and performing payment" and pay the due commercial acceptance bills in full and on time, so as to create a good corporate credit culture, enhance their own brand and reputation, and thus promote the improvement of social credit.

Third, establish an effective punishment mechanism for default payment to urge the acceptor of commercial acceptance bills to pay and perform.

The People’s Bank of China should take specific measures in a targeted manner, gradually establish information files on commercial acceptance bills within its jurisdiction, and do a good job in monitoring and analyzing commercial acceptance bills within its jurisdiction; Establish a "blacklist" system for unreasonable refusal to pay and delay payment of commercial acceptance bills, and notify the society regularly to enhance the social concern of default payment and increase the punishment for defaulting enterprises.

If the drawee of a commercial acceptance bill deliberately delays payment or refuses to pay the due commercial acceptance bill unreasonably, the People’s Bank of China will impose a fine of 0.07% of the daily bill amount in accordance with Article 33 of the Measures for the Implementation of Bill Management.

For those who refuse to pay or delay payment repeatedly and unreasonably, commercial banks should not only stop handling the business of discounting, guaranteeing and pasting commercial acceptance bills, but also suspend some or all payment and settlement business.

Four, do a good job in the prevention and control of commercial acceptance bill business risks, to ensure the healthy development of commercial acceptance bill business.

The People’s Bank of China should strengthen the supervision and management of commercial acceptance bills. Timely release the risk information of commercial acceptance bill business, make necessary risk tips, and guide enterprises to correctly handle commercial acceptance bill business.

Commercial banks should strengthen the risk management of commercial acceptance bills. Conduct strict real trade background review to prevent the use of commercial acceptance bills to obtain discounted funds from banks and other illegal activities; Improve the qualification examination procedures, conduct practical credit and solvency surveys on acceptance enterprises and discount application enterprises, and be cautious in granting credit to enterprises with poor credit and financial conditions to avoid adding non-performing assets; Incorporate the credit line of discount, guarantee and guarantee of commercial acceptance bills into the comprehensive credit line management, implement total control, and adjust it dynamically according to the financial, credit and business conditions of the acceptance enterprises and discount applicants.

When using commercial acceptance bills, enterprises need to master the basic knowledge of business risk prevention and control of commercial acceptance bills, be familiar with the provisions on the issuance, acceptance, endorsement and discount of commercial acceptance bills, and handle commercial acceptance bills accurately; Strictly follow the requirements of real trade background, and put an end to taking bank funds through fictitious transactions of related relationships. When an enterprise accepts a commercial acceptance bill, it should be commensurate with its financial strength to avoid blind acceptance and debt expansion. When an enterprise accepts a commercial acceptance bill, it should pay attention to carefully examining the authenticity of the bill and the credit status of the acceptor to prevent the risk of the bill.

Five, strengthen the publicity and training of commercial acceptance bills, and popularize the business knowledge of commercial acceptance bills.

The People’s Bank of China should organize and coordinate commercial banks, face the society, adopt various forms, and extensively carry out publicity and training work on commercial acceptance bill business. Promote the significance and role of commercial acceptance bills in providing settlement facilities and financing facilities for enterprises, as well as their functions in enriching payment and settlement tools for enterprises, improving the efficiency of capital use, enhancing corporate image and enhancing corporate credit.

Commercial banks should make full use of the direct relationship between banks and enterprises, start from providing customers with more and higher quality payment and settlement services, and increase publicity and training for corporate financial personnel through various forms to familiarize them with the basic knowledge and operating procedures of bill business, especially commercial acceptance bills; Guide enterprises to use commercial acceptance bills more according to the needs of their own economic activities; Help enterprise financial personnel to master the methods and techniques to identify the authenticity of bills, so as to achieve correct bill business operations, avoid accepting fake tickets and defective bills, and promote the circulation of bills.

People’s Bank of China

November 6, 2006

The Central Meteorological Observatory continued to issue a typhoon red warning at 10: 00 on September 2.

  CCTV News:The Central Meteorological Observatory continued to issue a typhoon red warning at 10: 00 on September 2:

  The center of the 11th typhoon "Anemone" this year is located at 8 o’clock this morning (September 2nd) in the northwest Pacific Ocean about 550km east of Taiwan Province, which is 22.1 degrees north latitude and 126.2 degrees east longitude. The maximum wind force near the center is 13 (40m/s), the lowest pressure in the center is 960 hectopascals, and the radius of the seven-level wind circle is 220-.

  It is estimated that "Anemone" will move westward at a speed of 15-20km/h, and its intensity will gradually increase. It will land on the southeast coast of Taiwan Province Island in China around the evening of the 3rd (50-55m/s, with a magnitude of 15-16), then pass through Taiwan Province Island, and its intensity will gradually decrease, and it will approach the eastern coast of Guangdong from the south of Fujian, or it may turn around in the Taiwan Province Strait with little movement.

  In addition, the center of Typhoon Sura No.9 this year is located at 8: 00 am today (September 2) in the offshore of Taishan City, Guangdong Province, which is 21.6 degrees north latitude and 112.7 degrees east longitude. The maximum wind force near the center is 13 (40m/s), and the lowest pressure in the center is 960 hectopascals.

  It is estimated that "Sura" will move to the south-south direction at a speed of 10-15 kilometers per hour, and its intensity will gradually weaken. It will land on the eastern coast of Leizhou Peninsula (20-23 m/s, magnitude 8-9) in the early morning of the 3rd, and then enter the Beibu Gulf, and continue to weaken into a tropical depression.

  Gale forecast:From 14: 00 on September 2 to 14: 00 on September 3, due to the influence of Sura, there will be strong winds of 6-8 grades and gusts of 9-10 grades in the northwest of the South China Sea, the eastern part of Beibu Gulf, Qiongzhou Strait and the central and western coastal areas of Guangdong, the southern coastal areas of Guangxi, the northern coastal areas of Hainan, the Pearl River Estuary, Hong Kong and Macao, etc. The winds in the nearby seas or areas where Sura Center passes are 11-12 grades and gusts of 13-14. Under the influence of Anemone, there will be 6-8 winds and 9-10 gusts in the Taiwan Province Strait, bashi channel, the southern coast of Zhejiang, the coast of Fujian, the eastern coast of Guangdong and the coast of Taiwan Province Island, 9-12 winds and 13-14 gusts in some sea areas east of Taiwan Province, and 13-16 winds and 17 gusts in the sea near the center of Anemone.

  Precipitation forecast:From 14: 00 on September 2 to 14: 00 on September 3, under the influence of Sura and Anemone, there were heavy rains in southwestern Guangdong, southeastern Guangxi, northeastern Fujian and eastern Taiwan Province Island, among which there were heavy rains (100-220 mm) in parts of southwestern Guangdong and eastern Taiwan Province Island.

  Defense guide:

  1. The government and relevant departments shall, in accordance with their duties, do a good job in typhoon prevention and emergency rescue.

  2. Water operations and passing ships in relevant waters should return to Hong Kong to take shelter from the wind, strengthen port facilities, and prevent ships from anchoring, grounding and collision.

  3. Stop large-scale indoor and outdoor gatherings and dangerous outdoor operations such as high altitude.

  4. Reinforce or dismantle structures that are easy to be blown by the wind. Personnel should not go out at will. They should stay in windproof and safe places as far as possible, so as to ensure that the elderly and children stay in the safest place at home, and the dangerous people will be transferred in time. When the typhoon center passes by, the wind will decrease or stay still for a period of time. Remember that the strong wind will suddenly blow and you should continue to stay in a safe place to avoid the wind.

  5. Relevant areas should pay attention to prevent flash floods and geological disasters that may be caused by heavy precipitation.

Interpretation of Digital Agriculture and Rural Development Plan (2019-2025) by the Head of the Ministry of Agriculture and Rural Affairs

Draw a new blueprint for digital agriculture and rural development
-The person in charge of the Ministry of Agriculture and Rural Affairs interprets the Digital Agriculture and Rural Development Plan (2019-2025).

Recently, the Ministry of Agriculture and Rural Affairs and the Office of the Central Cyber Security and Informatization Committee jointly issued the Digital Agriculture and Rural Development Plan (2019-2025) (hereinafter referred to as the Plan). A few days ago, the head of the Ministry of Agriculture and Rural Affairs accepted an exclusive interview with reporters on the background significance, objectives and tasks, and how to implement the Plan.

Q: Please tell us about the background and significance of the "Planning".

A:The General Secretary of the Supreme Leader stressed that it is necessary to promote the deep integration of the Internet, big data, artificial intelligence and the real economy, and accelerate the digitalization, networking and intelligence of agriculture. "Opinions of the Central Committee of the Communist Party of China and the State Council on Implementing Rural Revitalization Strategy" and "Outline of Digital Economy Development Strategy" put forward that it is necessary to vigorously develop digital agriculture, implement digital village strategy and promote agricultural digital transformation.

In order to implement the central decision-making arrangements, accelerate the precision of agricultural and rural production and management, intelligent management services, and digital rural governance, the Ministry of Agriculture and Rural Affairs and the Office of the Central Cyber Security and Informatization Committee conducted in-depth investigations, listened to opinions and suggestions from all sides, studied and compiled the Plan, put forward the overall thinking, development goals and key tasks of promoting digital agricultural and rural construction in the new era, and described the blueprint for the development of digital agricultural and rural construction.

Planning is a programmatic document to guide the construction of digital agriculture and rural areas in the coming period. The issuance and implementation of "Planning" conforms to the new trend of digital development, meets the new expectations of hundreds of millions of farmers, highlights the strategic position of digital agriculture and rural construction, and is of great significance for accelerating the construction of digital China, bridging the "digital gap" between urban and rural areas, cultivating new kinetic energy for rural revitalization, and seizing the commanding heights of global agriculture.

Q: What kind of development ideas and goals does the Plan put forward for the construction of digital agriculture and rural areas?

A:"Planning" has made a systematic arrangement for the construction of digital agriculture and rural areas in the coming period, with both a road map and a timetable.

The "Planning" clarifies the development thinking of digital agriculture construction in the coming period, and proposes to take industrial digitalization and digital industrialization as the main line of development, the deep integration of digital technology and agricultural and rural economy as the main direction, and data as the key production factor, and strive to build a basic data resource system, strengthen the construction of digital production capacity, accelerate the digital transformation of agricultural and rural production and management services, and strengthen the innovation of key technologies and equipment and the construction of major engineering facilities. We will promote the interconnection and open sharing of government information systems and public data, comprehensively improve the level of intelligent production, networked management, efficient management and convenient service in agriculture and rural areas, and drive the modernization of agriculture and rural areas with digital leadership to provide strong support for the overall revitalization of rural areas.

"Planning" puts forward the development goal of digital agriculture and rural areas. On the overall goal, the Plan proposes that by 2025, important progress will be made in the construction of digital agriculture and rural areas, which will strongly support the implementation of the digital rural strategy; The agricultural and rural data collection system has been established and improved, and "one network", "one system" and "one platform" have been basically established, namely, the integrated observation network of the sky and the ground, the basic data resource system of agriculture and rural areas and the agricultural and rural cloud platform; The integration of digital technology with agricultural industrial system, production system and management system has been accelerated, the digital transformation of agricultural production and management has made remarkable progress, the digital level of management services has been significantly improved, the proportion of agricultural digital economy has been greatly improved, and the rural digital governance system has been improved day by day. In terms of specific indicators, the overall target requirements are refined and three key indicators are put forward, so that the objectives of the Plan can be measured and implemented. That is, the proportion of agricultural digital economy in agricultural added value will increase from 7.3% in 2018 to 15% in 2025, the proportion of online retail sales of agricultural products in the total transaction volume of agricultural products will increase from 9.8% in 2018 to 15% in 2025, and the rural Internet penetration rate will increase significantly from 38.4% in 2018 to 70% in 2025.

Q: What key tasks are put forward in the Plan for the construction of digital agriculture and rural areas?

A:Facing the great demand of rural revitalization, facing the main battlefield of modern agricultural construction, the Plan closely focuses on promoting the deep integration of digital technology and agriculture and rural areas, and puts forward five key tasks.

The first is to build a basic data resource system for agriculture and rural areas. The Plan proposes to build five types of big data, including agricultural natural resources, important agricultural germplasm resources, rural collective assets, rural residential sites, farmers and new agricultural business entities, to form a basic data resource system for agriculture and rural areas, and provide strong support for accurate management and services for agriculture and rural areas.

The second is to speed up the digital transformation of production and operation. The "Plan" proposes to promote the informationization of planting industry, speed up the development of digital farming conditions, build a monitoring network for pest forecasting and digital plant protection defense system, and build a digital pastoral. Promote the intelligence of animal husbandry, build digital breeding pastures, accelerate the application of intelligent monitoring technology for individual signs, and promote direct reporting of farm data. Promote the intelligentization of fisheries, develop intelligent aquaculture, upgrade and transform fishing boats and digital fishing equipment, and build a comprehensive management system for fishing ports. Promote the digitalization of seed industry, excavate and deeply apply seed industry big data, research and promote the technology and equipment for obtaining plant and animal phenotypic information, and improve the function of national seed industry big data platform. Promote the diversification of new formats, encourage the development of new Internet-based formats such as crowdfunding agriculture and customized agriculture, deepen the comprehensive demonstration of e-commerce in rural areas, and encourage the development of smart leisure agriculture platforms. Promote the whole process of quality and safety control, promote the standardization, labeling and traceability of agricultural products production, generally implement the system of purchasing cards for farmers’ agricultural materials, and build a mechanism for supervision and traceability and data collection of inputs.

The third is to promote the digital transformation of management services. The Plan proposes to establish and improve the technical system of agricultural and rural management decision support and improve the scientific nature of macro management. We will improve the monitoring and early warning system for the whole industrial chain of important agricultural products, strengthen the release and service of market information, and help farmers solve the bottleneck problems of production and operation such as "what is right in spring and what is expensive to sell in autumn". Build a digital agricultural rural service system, carry out agricultural productive services, build a number of farmers’ entrepreneurial innovation centers, and improve the level of wisdom and convenience of farmers’ production and life. Establish a monitoring system for rural human settlements in ambient intelligence to realize full-time monitoring of rural pollutants and pollution sources. Build a rural digital governance system and promote the modernization of rural governance system and governance capacity.

The fourth is to strengthen the innovation of key technologies and equipment. The Plan proposes to strengthen key common technologies, focus on the key technologies of agricultural production environment, intelligent perception and identification of physiological signs of animals and plants, break through the simulation technology of physiological and ecological processes of animals and plants, build digital expression and simulation models of animal and plant phenotypes, and break through the key technologies of intelligent agricultural machinery and equipment. Strengthen the advanced layout of strategic frontier technologies, strengthen the basic research and tackling key problems of new technologies such as flexible processing of agricultural products, blockchain+agriculture, artificial intelligence and 5G, and form a series of strategic technical reserves and product reserves of digital agriculture. Strengthen the integrated application and demonstration of technology, carry out the integrated application and demonstration of 3S, intelligent perception, model simulation, intelligent control and other technologies and software and hardware products, and mature and popularize a number of typical models and examples. Strengthen the integration and service of digital agricultural science and technology innovation data and platform. Accelerate the development and application of agricultural artificial intelligence, implement the development strategy of agricultural robots, and strengthen the intelligent integration and application demonstration of drones.

The fifth is to strengthen the construction of major engineering facilities. The "Planning" proposes to implement the national agricultural and rural big data center construction project, focusing on the construction of three types of projects: the national agricultural and rural cloud platform, the national agricultural and rural big data platform, and the national agricultural and rural government information system, so as to improve the management service capacity and scientific decision-making level in the agricultural and rural fields. It is necessary to implement the construction project of integrated observation system of sky and ground in agriculture and rural areas, and focus on strengthening the construction of "Skynet" (agricultural and rural space-based observation network), "empty network" (agricultural and rural aviation observation network) and "ground network" (agricultural Internet of Things observation network) in agriculture and rural areas, so as to realize real-time dynamic observation of agricultural production and rural environment in the whole field, whole process and full coverage. It is necessary to implement the national digital agriculture and rural innovation project, focusing on the construction of the national digital agriculture and rural innovation center and professional sub-centers, big data of the whole industrial chain of important agricultural products, and digital agriculture pilot construction, so as to build a comprehensive service platform for digital agriculture and rural areas.

Q: How to implement the Plan?

A:One point for deployment and nine points for implementation. After the "Planning" is issued, the key is to implement it in the spirit of nailing. In the next step, we will focus on four aspects.

The first is to strengthen organizational leadership. Under the framework of the national overall planning and coordination mechanism for the construction and development of digital villages, the Ministry of Agriculture and Rural Affairs and the Central Network Information Office, together with relevant departments, make overall plans to promote the construction of digital agriculture and rural areas. Agricultural and rural authorities at all levels should integrate the digital concept into the whole process of agricultural and rural work, speed up the digital transformation of workflow, and build a management system for digital agricultural and rural development.

The second is to increase policy support. Explore ways such as government purchasing services, cooperation between government and social capital, and discount loans, and guide social forces, industrial and commercial capital, and financial capital to invest in digital agriculture and rural construction. Give strong support in project land use, technology research and development and equipment procurement.

The third is to strengthen data acquisition management. Consolidate and upgrade the existing monitoring and statistical channels, improve the ability to collect data in real time by using ground observation, sensors, remote sensing and geographic information technology, expand the sources of Internet data, and establish and improve the original data collection system for agriculture and rural areas. Study and introduce open policies and management norms for data sharing. Accelerate the collaborative management and integration of agricultural and rural data resources.

The fourth is to strengthen the support of scientific and technological talents. Establish a scientific and technological innovation system for digital agriculture in rural areas. Cultivate and bring up a group of leading talents, engineers and high-level management teams in digital agriculture and rural areas. Strengthen business training and improve the application and management level of digital technology for cadres and farmers in agriculture, rural areas and farmers.

Before Biden’s physical examination showed that he was "competent for the job", the White House doctor questioned: the cover-up needs to stop

  [Global Network Report] US President Biden received a routine medical examination on the 16th. White House doctor Kevin O ‘Connor said that Biden was healthy and "qualified for the presidency". According to a report by Fox News on the 18th local time, Republican Congressman Ronnie Jackson, who worked as a White House doctor during Obama Trump’s time, questioned the results and called on the White House to stop "covering up" Biden’s health.

  "Most Americans can see that Biden’s mental health is deteriorating, but the White House has no transparency on this issue," Jackson told Fox News. "The written medical report released by Biden’s doctor Kevin O ‘Connor further confirmed that the government still insists on concealing the truth."

  Jackson also questioned that Biden’s latest physical examination report, the second since he took office, did not mention that the president received a cognitive test in the case of "mental health deterioration."

  "There is no mention in the report that Biden’s mental health has deteriorated. This is shocking, "Jackson said." Considering that I have written to the White House three times asking Biden to take a cognitive test and make the results public, all these have been ignored. Everyone can see that something is wrong, and this cover-up needs to stop. "

  According to reports, Jackson served as a White House doctor during the administration of former President Barack Obama and Trump. He was criticized by Obama for criticizing Biden’s cognitive health in the 2020 general election.

  It is not uncommon for Biden to make a slip of the tongue in public. This and other factors have also caused American political circles and public opinion to question Biden’s health. For example, according to previous reports from the US media, Biden made a slip of the tongue and made a mistake in his speech at the White House on January 6, local time, on the occasion of the second anniversary of the riots on Capitol Hill, and said "January 6" as "July 6". In addition, Biden made another slip of the tongue in a speech at the second US-Africa Leaders Summit held in December last year, when he announced an initiative called "Digital Transformation in Africa" and claimed that the initiative was worth "350 billion" dollars. However, in the record of Biden’s speech released by the White House later, the figure of "350 billion" became "350 million" dollars.