Cctv newsRecently, the article "China sells salt is an animal" has been widely spread on the Internet. In the name of a professor, this paper points out the anti-caking agent in salt — — Potassium ferrocyanide does harm to human liver and kidney, causing people’s panic.

　　The following is taken from the original text:

　　My physical examination found that transaminase rose — — Total bilirubin increased — — Creatinine rises, which is better after a while, and then rises again. In the worst case, I feel that the kidneys are obviously wrong, and the urine is soy sauce-colored. There is a doctor who graduated from Concord among my relatives. He thinks that my symptoms are caused by some chemical substance. Let me check them carefully. I checked my products one by one, and finally I found out:

　　Anti-caking agent for salt noodles: potassium ferrocyanide!

　　I was surprised when I checked last time, and there were so many condemnations in the world, asking why Zhongyan added potassium ferrocyanide to the salt surface! ?

　　I immediately changed the salt containing anti-caking agent, and all the symptoms disappeared for a long time, and the test sheet returned to normal, but creatinine has been a high value in the normal range since then, which means that my kidney was seriously damaged.

　　Potassium ferrocyanide is mainly used as carburizing agent in steel industry to improve the surface hardness of steel products.

　　The printing and dyeing industry is used as an oxidation assistant, which makes the dyeing of refined cotton cloth gradually maintain chromatin. Pigment industry is the main source of producing Yan Hualan.

　　The chemical industry is used as an iron remover.

　　The food industry is used as a food additive-salt anti-caking agent.

　　This product belongs to low toxicity category. Attract coughing and shortness of breath. Oral administration causes gastrointestinal discomfort. It is reported that the kidney is damaged and urine sugar is increased during poisoning. It is also seriously harmful to the environment.

　　— — — — — — — — — —

　　Salt is the most commonly used condiment in life. So, is it safe to add potassium ferrocyanide to salt? I will tell you the truth now!

　　Potassium ferrocyanide is a legal additive.

　　Kai Zhong, member of the Standing Committee of Health Communication Branch of Chinese Preventive Medicine Association, said that potassium ferrocyanide, as an anti-caking agent for salt, is a legal food additive. Potassium ferrocyanide in domestic salt will not harm human body if people eat it for a long time.

　　Some people still don’t trust, "then if I eat a little every day, will it have chronic toxicity?" Will it cause cancer? "

　　In fact, the chronic toxicity of potassium ferrocyanide is also very low. According to the data of the World Health Organization and the International Food and Agriculture Organization, the lifetime safe dose of potassium ferrocyanide is 0.025 mg per kilogram of body weight. That is to say, for a person weighing 60 kilograms, it is no problem to take 1.5 milligrams a day.

　　Kai Zhong said that according to our national standard, if we want to cause negative effects on people’s health, adults should eat about 3 liang (150 grams) of salt every day, while normal people’s daily salt consumption of 20 grams is already very salty.

　　Safety is used in many countries.

　　Potassium ferrocyanide is also used as an anti-caking agent abroad.

　　For example, the EU can use potassium ferrocyanide/sodium/calcium; The United States uses sodium ferrocyanide, and the limit is basically the same as that of China; Japanese can use potassium ferrocyanide/sodium/calcium, but the limited value is twice that of China.

　　You can choose whether to eat or not.

　　Consumers can actually choose whether to eat salt added with potassium ferrocyanide.

　　According to experts, according to relevant regulations, salt producers should make labels to indicate which additives have been added.

　　In fact, in the market, potassium ferrocyanide is added to the salt that is easy to agglomerate, such as well-mine salt, but potassium ferrocyanide is not added as an anti-caking agent to most salt products, including lake salt and ice crystal salt. Consumers have a lot of choices.

　　Other truths about salt

　　In fact, many kinds of salt in life are not as magical as claimed!

　　Sea salt: It does not contain iodine.

　　Iodine is an essential trace element for the body, and the internationally recognized main measure to prevent iodine deficiency disorders is iodization with salt.

　　Many people worry that if they eat too much iodine, they will get hyperthyroidism, which is an excessive concern. WHO believes that it is generally safe for normal people to consume less than 1000 micrograms of iodine per day.

　　Low sodium salt: you can’t eat too much.

　　The so-called low-sodium salt is actually based on iodized salt. For people with cardiovascular diseases such as hypertension, it is beneficial to replace daily salt with low-sodium salt.

　　However, you can’t eat more. Because, even low-sodium salt, if it is 25% more than ordinary salt, it will eat as much sodium as ordinary salt.

　　Rose Salt: It’s not as amazing as claimed.

　　There is also a kind of rose salt on the market, which is very popular. It claims to have 84 kinds of trace elements, which is good for health and much more expensive than ordinary salt.

　　In fact, almost all foods may detect 84 kinds of nutrients (trace elements). Moreover, dietary guidelines generally recommend eating no more than 5 grams of salt every day, which has little effect on supplementing other minerals or other trace elements.

　　Nutrients: Will not bring more nutrition.

　　There are all kinds of "nutritional" salts in the market, such as adding iron, zinc, calcium and selenium. The actual effect of the elements added by these salts is not necessarily good, and the operability is not strong.

　　Pay attention to three points when eating salt

　　Therefore, no matter what kind of salt it is, these three points should be paid attention to when choosing salt to eat:

　　① Priority is given to iodized salt.

　　At present, iodized salt is still needed. When buying salt, people still give priority to iodized salt.

　　② Purchase according to demand.

　　If it is to help control blood pressure and prevent cardiovascular and cerebrovascular diseases, then when you buy salt in the market, you must pay attention to the content of sodium chloride. Under the premise of not expecting to affect the taste too much, you can choose low sodium salt.

　　③ Control amount: Do not exceed 6g per day.

　　No matter what salt it is, its main component is sodium chloride. If you eat more, it may cause high sodium intake, which is not conducive to cardiovascular health.

　　Keep this warning line in mind when controlling the quantity: 6g!

　　On January 18th, the Supreme Leader of president, China delivered a keynote speech entitled "Building a Community of Human Destiny Together" at the UN headquarters, answering the question "What’s wrong with the world and what should we do?".

　　"Insist on dialogue and consultation to build a world of lasting peace." "Insist on co-construction and sharing to build a universally safe world." "Adhere to win-win cooperation and build a world of common prosperity." "Insist on exchanges and mutual learning and build an open and inclusive world." "Adhere to green and low carbon and build a clean and beautiful world." China came up with a plan — — Build a community of human destiny and achieve win-win sharing. Combining China’s philosophy, China’s idea and China’s practice, the Chairman of the Supreme Leader pointed out the direction and mustered up the strength for people who bravely marched forward on the marathon track of peace and development from five aspects: partnership, security pattern, economic development, civilized exchange and ecological construction.

　　"Only when all countries establish a sense of community of human destiny can they jointly meet the challenges."

　　At present, mankind is in a period of great development, great change and great adjustment, and the trend of the times of peace, development, cooperation and win-win is stronger. At the same time, mankind is also in an era of endless challenges and increasing risks. In the face of the frequent turmoil in the world, the international community is eager for a clear voice to lead the way with mixed feelings of expectation and confusion.

　　"It is the expectation of the people of all countries and the due responsibility of our generation of politicians to let the fire of peace be passed down from generation to generation, the driving force of development continue and the light of civilization shine." The words of the Chairman of the Supreme Leader convey confidence and are full of firm strength. According to Ricardo Ortiz, Chairman of the Center for International Trade and Sustainable Development, the Chairman of the Supreme Leader delivered a clear message through his speech, that is, China plays a vital role in the process of promoting global sustainable development, and has been and will always be responsible as a big country.

　　William jones, an American expert on international issues and president of the Washington branch of Global Strategic Information magazine, read the full text of the speech of the Supreme Leader in Geneva for the first time. In an interview with our reporter, he said that the speech reflected the sincerity and determination of the China government and the Supreme Leader himself to safeguard the current international order and promote the cause of international peace and development. "He faced up to the problem and gave a plan for China, ‘ Community consciousness of destiny ’ It is also the only choice in the world today. Mankind has been closely linked, and the problems in the world are no longer those that a single country can cope with alone. Only when all countries establish a sense of community of human destiny can they jointly meet the challenges. "

　　From the principle of equality and sovereignty established by the Peace Treaty of Westphalia to the international humanitarian spirit established by the Geneva Convention; From the four purposes and seven principles defined in the Charter of the United Nations to the five principles of peaceful coexistence advocated by the Bandung Conference, the evolution of international relations has accumulated a series of recognized principles, and the construction of a community of human destiny is also based on these basic principles. "The community of human destiny is an important innovation in China’s diplomacy in the new era." Attl, a professor at Russian Geopolitics Institute, believes that there are many ideas in China’s ancient philosophy that embody the spirit of tolerance and harmony, and this traditional wisdom can play an important role in today’s world. It breaks the old ideological boundaries and provides a new perspective for the future of the world.

　　The words of Roger, a professor of politics and law at Cardiff University in the United Kingdom, represent the views of many people of insight in the world today: "Only by holding a group to keep warm and establishing a community of human destiny that shares weal and woe and lives together is the wise way out."

　　"Bring new hope to ensure regional and world peace and stability"

　　The road to simplicity is the most important thing. Knowing "what’s wrong" and focusing on "how to do it" is the key to building a community of human destiny with action. As Roger said, "China’s plan is practical and should be praised by the international community. Chairman of the Supreme Leader put forward in the keynote speech ‘ Five Persistences ’ It provides a realistic road map and action guide for building a community of human destiny and will bring new hope to the world. "

　　Looking back at the history of the world, war and peace are the unchangeable melody of the development of human civilization. In today’s world, terrorism, ethnic conflicts and religious conflicts still bring instability to the world. Without peace, all prosperity is nothing. In this regard, the Chairman of the Supreme Leader has a profound understanding. In his speech, he put "persisting in dialogue and consultation and building a lasting and peaceful world" at the top of the "China Plan" to explain it, which stems from his profound grasp of history and the current situation. "Countries should build a partnership of dialogue, non-confrontation and non-alignment." Correct concept of justice and interests, new-type relations between major powers, sincere and tolerant peripheral diplomacy, and true and sincere policy toward Africa … … China’s diplomatic wisdom itself is a vivid practice of pursuing lasting world peace by resolving contradictions through communication and dispelling suspicion through sincerity.

　　"Single is easy to fold, but many are hard to destroy." The Chairman of the Supreme Leader also puts the establishment of a common, comprehensive, cooperative and sustainable security concept in an important position, emphasizing "persisting in co-construction and sharing and building a universally safe world". "China’s contribution to world peace and development is indispensable, and China has played a huge role in peacekeeping, counter-terrorism and the Iranian nuclear issue." William jones commented.

　　"China adheres to a fair and objective position on international hotspot issues such as the Afghan issue and the Syrian issue, and has provided a positive and effective China plan." Khalid Rahman, director of the Islamabad Policy Research Institute in Pakistan, said in an interview with this reporter that building a community of human destiny is of great guiding significance for strengthening international cooperation and building and sharing peace and stability. China’s plan will help promote the overall situation of all countries working together to safeguard peace and development and bring new hope to ensure regional and world peace and stability.

　　"full of philosophy and humanistic care, it has a strong practical guiding significance."

　　On January 17, the Chairman of the Supreme Leader delivered a keynote speech at the opening ceremony of the 2017 annual meeting of the World Economic Forum, emphasizing the need to unswervingly promote economic globalization, guide the direction of economic globalization, firmly establish a sense of community of human destiny, share responsibility, help each other in the same boat, and promote global development. One day later, at the United Nations headquarters in Geneva, the Chairman of the Supreme Leader once again emphasized "strengthening coordination, improving governance and promoting the construction of an open, inclusive, inclusive, balanced and win-win economic globalization". The concept of community of human destiny advocated by China has been further rooted in people’s hearts.

　　"Good scholars do their best, and good people find it difficult." When he visited the United Nations Headquarters in September 2015 and attended the series of summits marking the 70th anniversary of the founding of the United Nations, the Chairman of the Supreme Leader comprehensively expounded the connotation of building a community of human destiny, emphasizing the need to establish a partnership of equal treatment, mutual business and mutual understanding, create a fair and just security pattern of joint construction and sharing, seek open, innovative, inclusive and mutually beneficial development prospects, promote civilized exchanges that are harmonious but diverse and eclectic, and build an ecological system that respects nature and green development. This time in Geneva, the Chairman of the Supreme Leader gave a more in-depth explanation of the concept of a community of human destiny, which was widely valued and appreciated by the international community.

　　Nabil abdulla hameed, former first assistant of the Egyptian Ministry of International Cooperation, said that the speech of the Supreme Leader was full of philosophy and humanistic care, which combined the basic compliance of the international order with China’s plan and had strong practical guiding significance. The BBC reported that in the eyes of the whole world, China has become more important, and China’s role is "indispensable" in world peace and development.

　　The book "The Supreme Leader Revives China" edited by Ross Terrill, a researcher at Fairbank China Research Center of Harvard University, commented that the global governance system with the community of human destiny as the program shows the strategic thinking on the long-term development of relations between China and other countries in the world, and also brings new impetus to the establishment of a new international order.

　　Ericson, director of the European Center for International Political and Economic Studies, believes that the achievements made in the past 20 to 30 years have created a harmonious human environment and peaceful state relations. I think the purpose of President Xi’s speech is to maintain this good environment and make it develop in a better direction through the global governance mechanism.

　　The Palais des Nations in Geneva once again witnessed the Chinese program shining on the international stage. To build a community of human destiny, the great journey needs the joint efforts of all countries.

　　(Beijing, Washington, London, Moscow, Islamabad, Cairo, Geneva, January 22nd, by reporters Jiao Xiang, Liu Rui, Lin Rui, Zhang Penghui, Huang Peizhao, Li Yingqi, Qu Song, Wei Xu, Han Xiaoming and Wang Yuan)

Original China Cooking Magazine China Cooking Magazine

The combination of cultural tourism and catering is an excellent means to attract tourists from all over the world in recent years. The distinctive representative food is no less attractive to "gourmets" than the beautiful scenery and human landscape. It is not uncommon for people to run around on social networking sites in order to "eat a bite". Counting the "online celebrity cities" in recent years, no matter Xi ‘an, Luoyang, Harbin, or Zibo, Kaili, Lanzhou ….. without exception, they all have the strong blessing of special food.

Today, we bring a group of seasonal dishes from popular tourist cities. Delicious and characteristic blend in one dish, allowing you to cross geography and taste mountains and rivers in one bite.

Where did you punch in your food map? Come and leave a message to share with us, and the wonderful answer will be won in the May 2024 issue of Cooking in China!

New-style flower-exploring crispy peach blossom is pan-spreading.

Text/Chu Hong Yan Shi Ye Xintu/Zhang Yang

Planning/Production by Wang Peixin/Hao Chunjie

Food supply/Cuihua Building, Beijing

This is an upgraded version of the traditional famous dish Taohuapan. Compared with the "classic version", the shape and materials have changed greatly. The addition of fresh peach blossoms makes the peach blossoms famous, and the shape of the honeycomb has changed from the loose presentation in the past. The design of seafood wrapped inside makes the whole dish look like a cascade of flowers, bringing many surprises.

raw material

Scallop, shrimp, dried noodles, rice, fresh peach blossom, lime peel, peach blossom powder, salt, olive oil, butter and homemade sweet and sour sauce.

preparation

Clean scallops and shrimps, marinate with salt and olive oil for 15 minutes, slowly cook for 20 minutes at low temperature under vacuum until it is 70% cooked, pat with the back of a knife, cut into small pieces and mix well; Boil fresh peach blossoms with water, mix them with dried noodles and peach blossom powder, add butter to make batter, and wrap them with shrimp stuffing to make peach blossom buns; Heat the hot oil from the pot to 160℃ to 170℃, slowly put in the peach blossom buns, keep the oil temperature so that the surface of the peach blossom buns is honeycomb, and take out and drain the oil; Dry the rice into a crystal rice crust, put it on the bottom of the plate, put the fried peach blossom bag on the rice crust, rub a little lime peel, and pour the homemade sweet and sour sauce on the table.

Chef tips

The preparation method of sweet and sour sauce: mix tomato sauce, sliced sugar, preserved plum, dried tangerine peel powder, apple vinegar and white vinegar, and thicken.

Xishuangbanna air-dried Koharu chicken

Text/Chu Hongtu/Zhang Yang

Planning/Made by Zhao Yibin/Zhang Huning

Dishes provided/Beijing Puyun Yunnan Cuisine

The reappearance of Xishuangbanna style barbecue, the chicken is crispy outside and fragrant inside, with the local common roasted garlic, western-style rosemary adds fresh flavor.

raw material

Spring chicken, roasted garlic, roasted tomato, rosemary, sweet noodle sauce, yellow mustard sauce, dry ingredients, fig leaves, Amomum tsaoko, fragrant leaves, star anise, onion, ginger, salt and syrup.

preparation

Clean the spring chicken, evenly rub the chicken body with fig leaves, onion, ginger, Amomum tsaoko, star anise, fragrant leaves and salt, marinate, rinse, hang slurry water, air dry for 1 day, bake in the oven at 200℃ for about 40 minutes, and take out; Burn rosemary with fire, pad the bottom of the plate, put the roasted garlic and tomato on the edge of the plate, put the roasted Koharu chicken on it, and serve it with sweet noodle sauce, yellow mustard sauce and two kinds of dry ingredients.

Chef tips

The formula of two kinds of dry materials: one is sesame seeds, peanuts, tsaoko powder and salt, and the other is the above formula with Chili noodles.

Night fragrant flower egg roll

Text/Chen Litu/Peng Jianheng

Food supply/Guangzhou Golden Restaurant

Night fragrant flowers are also called night orchids, and there is a delicious flower on the dining table, which brings an atmosphere full of spring. It is difficult to store and transport the night fragrant flowers after they are in full bloom, so the food supplier will pick them when the buds just open and make them into chilled night fragrant flowers, which is convenient and fast. Elegant night fragrant flowers are green in color, especially refreshing. You can fry eggs, and then spend some time rolling them up, which is the "online celebrity dish" that everyone loves.

raw material

Night fragrant flowers, carrots, eggs, salt, chicken powder, pepper.

preparation

Thawing chilled Nostoc fragrans, drying, and planing carrot into filaments for later use; Separate the egg white and yolk, break them separately, add salt, chicken powder and pepper to taste, add night fragrant flowers to the egg yolk and mix well, and add shredded carrots to the egg white and mix well; Fry the two kinds of egg liquid into egg cakes respectively, stack them, roll them, cut them into pieces and put them on a plate.

Production key

When it is made, it can be directly rolled in a jade pot; The color of the egg cake can be changed by different superposition methods, usually because the yolk part is refreshing, and the taste is better when placed on the outer layer.

Sauté ed bamboo shoots with pickled vegetables

Text/Chu Hongtu/Zhang Yang

Planning/Wang Min Production/He Lingzi

Food supply/Beijing Xiang Lin Tian Xia

In November and December every year, white cabbage sprouts are abundant in Hunan. People can make pickled vegetables by drying them in the sun, which will produce special fragrance. In the spring of next year, these pickled vegetables will become the best partners of bamboo shoots, and together they will perform the crispy, delicious, spicy and attractive Xiangtan specialty dishes.

raw material

Hunan small bamboo shoots, Hunan pickles, Liuyang red chicken intestines pepper pieces, garlic sprouts, lard, Xiangtan soy sauce, salt, monosodium glutamate.

preparation

Breaking bamboo shoots, shelling, chopping and blanching for later use; Soak pickles in clear water, wash them, chop them up, blanch them and fry them dry for later use; Add lard and salt to the pan, stir-fry chopped bamboo shoots, pickles and peppers, add soy sauce and color, add a little water, add salt and monosodium glutamate to taste, sprinkle a little garlic sprouts, collect juice over high fire, and take out the pan and plate.

Production key

Do not add water to stir-fry in the early stage, but stir-fry the bamboo shoots with soy sauce until they are colored and fragrant.

Editor | Shi Yexin

Proofreading | Yujin

The content of this article is selected from the April 2024 issue of China Cooking Magazine. Welcome to forward it to your circle of friends. All the contents of this micro-signal are unauthorized, and it is refused to be reproduced. Infringement will be investigated. If you need to reprint, please contact the backstage and get authorization before reprinting. Please indicate the source and author’s signature in a prominent position when reprinting.

More exciting content

Click on the cover below to buy.

Click on the link below

See more special recipes

Pork ribs | beef | mutton chicken 1 | chicken 2 | chicken soup crayfish | braised pork | vinegar dish | vegetarian soup

Continue to slide to see the next touch to read the original text.

China cooking magazine slides up to see the next one.

Original title: "online celebrity City Delicious New"

Read the original text

By 2025, the sales volume of new energy vehicles will reach 20% of the total sales volume of new vehicles-
New energy vehicles accelerate "running"

Recently, the Ministry of Industry and Information Technology, the National Development and Reform Commission, the Ministry of Science and Technology and other ministries and commissions held an inter-ministerial joint meeting on energy conservation and the development of new energy automobile industry, and discussed in depth the work measures of implementing the Development Plan of New Energy Automobile Industry (2021-2035) (hereinafter referred to as the Plan), and defined the key tasks of the development of new energy automobile industry in 2021, requiring the coordination of the whole industry chain and "vehicle-road-network-cloud".

What is the current development status of new energy vehicles? What are the new trends of car companies and consumers in the year when the Plan was launched? The author conducted an interview.

"Smart" and "Environmental Protection" are favored.

Nowadays, new energy vehicles are accelerating into the lives of ordinary people and becoming a new fashion.

These days, Mr. Yu, who is engaged in education in Nanchang, Jiangxi, received his new car, Tesla Model Y. "I placed an order for this car six months ago, and I finally mentioned the car after waiting for so long! After driving for a week, I feel really different from traditional fuel vehicles. " Mr. Yu said that he had a seven-year-old fuel car before buying this new energy car, and it was time to change cars. The development of new energy vehicles is in full swing, and many new ideas and applications have attracted him.

"The initial idea was very simple, that is, I felt that new energy vehicles saved money. For example, a fuel car consumes about 0.4 yuan’s fuel cost per kilometer, while an electric car generally needs 15 kWh per 100 kilometers, which is about 8 yuan’s money, so it can save more than 30 yuan at once. The maintenance and repair costs of electric vehicles are also different from those of traditional fuel vehicles. In addition, using electricity as the energy source of automobiles is also very environmentally friendly and helps to reduce carbon emissions. " He said.

For Zhang Caiming, a citizen of Hangzhou, in addition to energy conservation and environmental protection, a high level of intelligence is a major reason for choosing a new energy vehicle. "New energy vehicles have OTA system upgrades. Unlike previous fuel vehicles, the functions of the vehicles are relatively simple. System upgrades have to go to 4S stores, and navigation upgrades have to be charged separately. In addition, the intelligent system of new energy vehicles is not as special as the battery of ordinary cars. " Zhang Caiming said that the government’s preferential policies have also made many people feel that new energy vehicles are more cost-effective.

According to the Plan, by 2025, the average power consumption of new cars for pure electric passenger cars will drop to 12.0 kWh/100 km, and the sales volume of new energy vehicles will reach about 20% of the total sales volume of new cars. Highly self-driving cars will be commercialized in limited areas and specific scenes, and the convenience of charging and replacing electricity services will be significantly improved. After 15 years of continuous efforts, pure electric vehicles will become the mainstream of newly sold vehicles, vehicles in public areas will be fully electrified, fuel cell vehicles will be commercialized, and highly self-driving vehicles will be applied on a large scale, effectively promoting energy conservation, water reduction and drainage and improving social operation efficiency.

Insiders pointed out that the Plan defined the future development goals and key tasks of the new energy automobile industry, and it was the first development plan in China’s industrial field for the "Tenth Five-Year Plan" and a longer period, which reflected the country’s great attention. New energy vehicles belong to a new track in the field of automobile industry, and their growth potential and imagination space are very rich. With the help of policy support and technical research, the development of new energy automobile industry has achieved remarkable results, but whether it can win the favor of more consumers still depends on the technical "gold content" of the products themselves.

The scientific and technological content is constantly improving.

Compared with traditional fuel vehicles, new energy vehicles still have some problems, such as cruising range, adaptation to low temperature conditions and layout of charging piles. These factors lead some consumers to take a wait-and-see attitude.

Zhang Siwen, who lives in Tianjin, said that although some friends around him have started to buy new energy vehicles, he does not intend to buy them at present. "I feel that new energy vehicles are not as practical as the fuel vehicles I am driving now in terms of battery life. On the one hand, the popularity of gas stations is still much higher than that of charging piles, and it takes a few minutes to refuel; On the other hand, the winter in the north is cold, the temperature outside the car is low, and the warm air is needed inside the car, so the battery state of new energy vehicles is easily affected. "

The year 2021 is the first year of the 14th Five-Year Plan, and it is also the year when the Plan was launched. The Ministry of Industry and Information Technology has made it clear that in the field of new energy vehicles, it is necessary to co-ordinate the promotion of short-board and forged long-board, enhance the toughness and competitiveness of the industrial chain, strengthen quality and safety supervision, and effectively improve the safety level of new energy vehicles.

It is understood that major car companies are stepping up technical research and striving to improve the quality of new energy vehicles.

Mustang Mach-E launched by Ford Motor Company will focus on the high-end intelligent pure electric SUV market in China. The car is equipped with Ford Intelligent Vehicle Infrastructure Cooperative Systems based on cellular car networking (C-V2X) technology, and the domestic model will have a cruising range of more than 600 kilometers. "Ford’s global electrification strategy is very clear. From 2017 to 2022, Ford Motor Company will invest more than $11.5 billion to develop new energy vehicles. At the same time, we will carry out strategic cooperation with various partners on a global scale, promote development in the fields of autonomous driving technology, intelligent travel services and electric vehicles, and take the lead in electrifying star models. " Zhu Jiang, Chief Operating Officer of Ford China Electric Vehicle Division, said.

Geely Automobile has also actively deployed electrification and new energy technologies, covering the mainstream technical routes in related fields. It is understood that Geely has invested more than 30 billion yuan in R&D and industry in the field of new energy vehicles. After more than ten years of R&D experience, it has a complete powertrain development capability. In the field of new energy, Geely has more than 100 core patented technologies, including 48V, HEV, motor, electronic and electrical architecture, etc., and has realized the truly 100% independent research and development of China’s new energy technology system and solutions.

After the service is improved, I am full of energy.

Shi Jianhua, Deputy Secretary-General of China Automobile Industry Association, believes that whether it is government policy or market demand, the fundamental thing to promote the development of new energy automobile industry is to solve the "pain points" of consumers and better meet their needs.

"On the one hand, the future development of China’s new energy automobile industry will of course be driven by policies, but more importantly, it will rely on the power of the market to continuously promote the optimization of products, services and even the whole industry. For example, the continuous improvement of infrastructure such as charging piles will inevitably lead to the rapid development of new energy vehicles. The problem of consumers’ difficult charging and short battery life has been solved, and the sales of new energy vehicles will naturally be by going up one flight of stairs. " Shi Jianhua said.

Lian Qingfeng, a spokesperson for BAIC New Energy, said that due to the different core technologies, new energy vehicles are more energy-saving and environmentally friendly than traditional fuel vehicles, and the economic advantages for users are more obvious. At the same time, new energy vehicles have more obvious advantages in energy structure and cascade utilization. "At present, new energy vehicles can be divided into charging mode and changing mode. Compared with’ charging the battery’, directly replacing the battery is more efficient and faster, and it has become a new hot spot that has attracted much attention from the industry. BAIC New Energy, a subsidiary of BAIC Blue Valley, is one of the earliest car companies in China to develop and lay out the power exchange mode. By December 2020, Beiqi Blue Valley had built and put into operation 251 power exchange stations in 21 cities, and 22,000 power exchange vehicles had been put into operation, with a total of 7.75 million power exchanges completed and the total mileage of power exchange vehicles reached 1.12 billion kilometers. In the future, Beiqi Blue Valley will strive to develop flagship models compatible with the power exchange mode and build high-end intelligent power exchange stations and other supporting facilities to enrich the company’s product line and provide more energy supply solutions for the market. " Lian Qingfeng said.

Huang Libin, director of the Operation Monitoring Coordination Bureau of the Ministry of Industry and Information Technology, said that compared with fuel vehicles, electric vehicles have the advantages of energy saving and emission reduction, low use cost, convenient maintenance, good power and maneuverability, but the industry is still in the development stage, and there are still problems such as high vehicle cost and inconvenient charging. The degradation of low-temperature environmental performance is also one of the problems. This is a problem in the development of emerging industries, and it can only be solved by relying on a higher level of development. In the future, with the improvement of technical level and the improvement of management policies, the low-temperature performance of new energy vehicles will definitely be substantially improved. In 2021, relevant departments and localities will vigorously improve the infrastructure system, solve the problem of "difficulty in entering the community" of charging piles, improve the level of interconnection, and improve charging convenience and product reliability. In addition, it will increase the promotion and application, implement the action to promote the electrification of vehicles in the public sector, and introduce more preferential policies for the use of links to further stimulate private consumption. (Wang Junling, Zhang Yutong)

On October 28th, the website of the Ministry of Civil Affairs reported that the Ministry of Civil Affairs, the Ministry of Finance and the China Disabled Persons’ Federation issued opinions on strengthening the precise management of two subsidies for the disabled.

First, further strengthen the publicity of subsidy policies. All localities should strengthen the publicity and explanation of the two subsidy policies for the disabled, help the disabled and their guardians to know the policies and apply for subsidies voluntarily, and promote the two subsidies for the disabled to be supplemented. Pay attention to and use the active service function of the national information system of two subsidies for the disabled, and send timely reminder information for the newly incorporated low-income and newly certified disabled people. The policy propaganda and active reminder records should be kept for future reference. For the disabled who are newly included in the subsistence allowance and newly certified, if they take any form of active reminder within 3 months, it is deemed that they have carried out policy propaganda. It is necessary to adhere to the principle of demand-oriented and voluntary application, and carry out publicity through the issuance of policy notices, home visits, telephone calls, etc., but the disabled or guardians have not applied for subsidies, which is regarded as voluntary abandonment and may not be forcibly included in the scope of two subsidies for the disabled. If a disabled person voluntarily gives up and applies for subsidy again, it shall be accepted in a timely manner, and the subsidy funds shall be paid from the month of application and shall not be reissued.

Second, further implement the policy convergence provisions. All localities should strictly implement the policy convergence provisions on the two subsidies for the disabled in documents No.52 [2015] and No.70 [2021] of the People’s Republic of China, and in principle, no unclear policy convergence requirements may be added. The detailed policy convergence requirements of all localities, if inconsistent with the relevant provisions of the State Council, should be corrected in a timely, safe and orderly manner. For the disabled elderly who meet the conditions of nursing subsidies for severely disabled people and for the elderly, they can choose to apply for one of the nursing subsidies. Disabled elderly people who not only meet the conditions of two subsidies for the disabled, but also meet the conditions of old-age service subsidies and old-age allowances can enjoy them superimposed. Disabled children who enjoy the basic living security policy for orphans do not enjoy the living allowance for disabled people with difficulties, but can enjoy the nursing allowance for severely disabled people. The form and use method of nursing allowance for children with disabilities who enjoy the basic living security policy for orphans are determined by the provincial civil affairs department jointly with relevant departments. After the expiration of the period of validity of the disabled card, if the disabled card is re-applied and an application for subsidy is made, the subsidy shall be paid in the month of application, and the subsidy shall be reissued for up to 3 months according to the subsidy standard corresponding to the category and grade of the new disabled card registration. The civil affairs department of the people’s government at the county level, the Disabled Persons’ Federation and the township (street) can issue a letter of commitment to the applicant according to the needs of the work (see annex for the template).Make the applicant or guardian aware of the relevant information that should be actively informed, such as receiving work-related injury insurance living care fees, serving a sentence in prison, changing the level of disability, changing the enjoyment status of subsistence allowances or marginal policies for subsistence allowances, and death.

Third, strengthen data comparison and dynamic review. The civil affairs department of the people’s government at the county level, the Disabled Persons’ Federation and the township (street) should carry out a comparison of subsidy data once a month, and the civil affairs department of the people’s government at the county level is responsible for comparing the changes in economic conditions such as the withdrawal of the disabled from the low-income or low-income marginal families; County Disabled Persons’ Federation is responsible for comparing the changes in the status of disabled persons’ cards such as moving out, expiration, freezing and cancellation; The Civil Affairs Department of the people’s government at the county level and the Disabled Persons’ Federation shall, jointly with the relevant departments, regularly compare with the data of funeral and cremation, health and death population, public security population database and prison sentence, and conduct survival verification through household visits, video viewing, face recognition, etc., and at least once a year conduct a centralized review of the death, death, disappearance, prison sentence and household registration of disabled people. If the above situation occurs during the centralized review and between the two centralized reviews, it shall be stopped in time. The civil affairs departments of provincial and municipal people’s governments and the Disabled Persons’ Federation shall, jointly with relevant departments, regularly carry out data comparison and dynamic review. The Ministry of Civil Affairs and the China Disabled Persons’ Federation have accelerated the establishment of a normalized data sharing mechanism with relevant departments, regularly carried out batch data comparison with the national population bank death data, industrial injury insurance and living care expenses and other related data, and uploaded the comparison results to the national information system of two subsidies for the disabled for download and verification. In the process of data sharing and comparison, relevant departments in all localities should do a good job in data security protection to ensure data security.

Four, strengthen the supervision of subsidy funds. In accordance with the requirements of "national chess game", we will strengthen the use of the national information system for two subsidies for the disabled, give full play to the precise management role of the national system in docking the basic database of the disabled population, reminding the multi-data sources at the ministerial level, preventing cross-provincial repeated subsidies, and work supervision, and promote the provinces with self-built systems to fully use the national system to handle business. The monthly request for instructions for allocating two subsidies for the disabled, the approval form for payment of financial funds, the financial budget disbursement voucher and other relevant funds disbursement materials shall be retained and uploaded to the national information system for two subsidies for the disabled for future reference, so as to promote the consistent online and offline distribution of two subsidies for the disabled. Where paperless management such as "all-in-one card" is realized, you can upload monthly distribution statistics for future reference. The civil affairs department of the people’s government at the county level shall, jointly with the Disabled Persons’ Federation at the county level, strengthen the research on the results of the dynamic review of subsidy data, make a decision on whether the disabled will continue to enjoy subsidies, ensure that the system data is consistent with the actual situation, and implement regulatory responsibilities.

Five, promote the standardized management of subsidy files. All localities should timely file the process materials such as subsidy application review, active discovery, active service, wrong hair recovery, reissue and renewal for future reference. The filing materials for application for audit shall include the application approval form, ID card, household registration book, disabled person’s card, minimum living allowance certificate, bank card copy, policy propaganda and active reminder records and other required certification materials, which can be obtained through system data sharing, and the applicant may not be required to provide paper materials. Provincial civil affairs departments and disabled persons’ federations should regularly organize spot checks on the archival materials of two subsidies for the disabled to ensure the truthfulness, accuracy and completeness of the archival materials. All localities should enhance their awareness of conservation and ecological protection, actively promote the construction of electronic files, formulate measures for the management of electronic files, and promote paperless management. Where electronic files are sound and paperless management is realized, paper materials can no longer be retained.

Sixth, improve the support ability of precision management. All localities should, in accordance with the requirements of the State Council and relevant departments, incorporate the working funds required for the implementation of the two subsidy systems for the disabled into local financial budgets at all levels. It is necessary to strengthen the supervision over the issuance and use of subsidy funds, ensure that subsidy funds are paid in full and on time, and prevent interception, misappropriation and fraudulent use of subsidy funds. It is necessary to make overall consideration of work needs and provide necessary job security conditions for grass-roots workers such as towns (streets). In view of the weak ability of grass-roots handling services, the government can strengthen the capacity building of handling services by purchasing services to ensure that the needs of disabled people are discovered in time and continuously promote the accurate payment of subsidies.

Seven, promote the establishment of fault tolerance and error correction mechanism. All localities should increase the efforts to discover and recover the subsidy funds obtained by the applicant by means of false reporting, concealment and forgery. Establish a fault-tolerant and error-correcting mechanism, encourage reform and innovation according to the actual situation, encourage grassroots cadres to take responsibility, implement the requirements of "three distinctions", and exempt the handling personnel who uphold public interests and perform their duties but make mistakes and deviations due to objective reasons and can correct them in time according to the law.

If the relevant provisions of the previously issued documents of the Ministry of Civil Affairs are inconsistent with this notice, this notice shall prevail. The Notice of China Disabled Persons’ Federation of the Ministry of Civil Affairs on Implementing the Policy Linkage of the Two Subsidies for the Disabled (Minfa [2016] No.99) shall be abolished at the same time.

Russian military battle damage assessment

There is no reliable figure for the actual loss of Russian air power since the war, but we can make a general assessment by collecting relevant photos and videos published on the Internet and analyzing them one by one. Note that the following statistics do not include drones and aircraft destroyed on the ground:

By April 4th, the Russian army had lost 4-8 Su-25s, 1-3 Su -30SM, 3 Su-34s, 1 An-26s and 1 Su-35s, totaling 10-16 fixed-wing military aircraft. In terms of helicopters, the Russian army lost three to six Mi-8s, four to seven Mi-24/35s, one Mi-28s and four Ka-52s, totaling 12 to 18 helicopters. The total loss of the two types is between 22 and 34. Among them, it can be considered that most of the helicopters were shot down by shoulder-launched air defense missiles, and it is estimated that there are about 12 helicopters.

It is difficult to judge the cause of the loss of fixed-wing aircraft. The main flying altitude and speed of these aircraft (except Su -25 and An -26) are beyond the attack range of individual air defense missiles, and it was difficult to be hunted by "low-end goods" such as Stinger. However, in the first two weeks of operations, the Russian army often used high-value supersonic fighters to throw unguided ammunition directly at ultra-low altitude, so there were also cases of being shot down by individual weapons. However, after the third week of the war, with the extensive use of unmanned aerial vehicles (UAVs), air-launched missiles and precision-guided bombs, such risky combat methods have become rare, and the losses of supersonic fighters have also decreased sharply.

Russian Su -25 attack aircraft hit by Ukrainian portable air defense missiles.

Su -25 is a special case. Because of its slow flight speed and mainly carrying out low-altitude fire support tasks, it can be speculated that its war damage is likely to come from individual air defense bombs. In addition, the loss of an An -26 was confirmed to be due to mechanical failure. The Ukrainian army also shot down a Su -35 with high-profile publicity, and released photos. However, judging from the completeness of the wreckage of the aircraft, the possibility of a mechanical failure crash cannot be ruled out. It is still difficult to judge whether the video of a crash with a tail caught fire in the air is true or false, but the wreckage of the tail has a vague small hole, so the possibility of being shot down by a low-altitude infrared guided anti-aircraft bomb using fragments to kill the warhead cannot be ruled out. On the whole, there should be about six Russian fixed-wing fighters shot down by individual air defense missiles. The total record of the two types of individual air defense missiles is about 18.

It needs to be emphasized again that the above statistics are not rigorous, but they should be enough to outline a general outline for further analysis. The Ukrainian Air Force did not achieve any success in the air combat, which even the Kiev Base Camp Battle Report can’t deny. Because the medium-and long-range air defense systems such as Beech and S-300 were almost completely suppressed by the Russian army and most of them were destroyed, in fact, most of the air defense achievements of the Ukrainian army came from short-range low-altitude air defense firepower, accounting for 55% to 86% of the total record, which shows that Ukraine’s national air defense system has actually been destroyed.

In the low-altitude achievements of the Ukrainian army, we ruled out the possible achievements of anti-aircraft guns, vehicle-mounted field air defense systems and other means. First, there is no conclusive evidence to prove that they have achieved results. Second, it is helpful to draw further practical and credible conclusions by attributing all such achievements to individual air defense missiles.

As pointed out earlier, as many as 2,700 "stingers" have arrived in Ukraine, and Ukraine is likely to be the country with the most active "stingers" in the world except the United States. At the same time, the Ukrainian army also has a large number of "Needle" series of individual air defense missiles left by the former Soviet army, and it is conservatively estimated that there are thousands; In addition, Germany also announced that it has assisted 2,700 "needles" left over from East Germany; Britain also helped 100 "Starlight" … The Ukrainian army has about 10,000 individual air defense missiles, but their achievements are only 18, of which "Stinger" can be divided into several?

By the way, there is an extra victory that can be confirmed to be the work of Stinger. On March 31st, the Ukrainian army sent two batches of four Mi -8 upor, which "dared to die" and broke into the encirclement, trying to take away some "key figures". Three of them were shot down, and one was shot down by the captured Stinger by Donetsk militia.

Britain provided Ukraine with the Starlight portable air defense missile, which shot down a Russian Mi -28 helicopter gunship.

Low-altitude spear and shield

In theory, having 10,000 individual air defense bombs does not mean that they can all be used effectively. Russian troops have carried out many rounds of fierce air strikes on bases where Ukrainian troops have a large number of foreign aid armaments, such as Lviv, zhitomir and Vinnitsa, west of Dnieper River. A considerable number of individual air defense bombs from abroad went up in smoke in the warehouse. Other foreign aid missiles that have not been destroyed may not be able to find suitable launch opportunities. In fact, attacking enemy fighters with individual air defense missiles is always a very risky and difficult task. Even for armed helicopters and attack aircraft that often fly at ultra-low altitude.　　　

The monitoring field of view, range and attack distance of airborne sensors and fire systems are much more powerful than the simple equipment of individual air defense systems. The latest armed helicopters, such as Ka -52K and Mi -28N, have further improved their battlefield monitoring capabilities after being equipped with millimeter-wave radars. At the same time, since 2017, a DIRCM system named L370 Vitebsk has been increasingly installed on Russian helicopters and attack planes. The system can detect incoming missiles within a radius of hundreds of kilometers, and automatically launch blinding lasers and jamming bombs in the direction of missile attack. It adopts modular structure, and various components can be optionally installed on existing helicopters or fixed-wing aircraft as required.

At present, the main modules of Vitebsk system include: L370-1 control unit, L150 pastel digital radar warning receiver, L370-2 ultraviolet warning sensor, L140 "response" laser warning sensor, L370-3S digital active jammer, L370-5 infrared jammer, UV-26 jamming bomb transmitter and active towing bait. In the omni-directional live-fire test of the Mi -8 real aircraft on the elevated platform, the Vitebsk system successfully interfered with 20 incoming Needle missiles when the engine was running. The Vitebsk computer can even provide the Su-25M3 with the fire control level data of Kh-58USh anti-radiation missile, and the Su -57 stealth fighter will be equipped with this system in the future.

Russian Ka -52 helicopter gunship forced to land after being hit by a portable air defense missile.

In the face of such opponents, it is actually very difficult for the "stingers" to achieve success. In addition to relying on buildings, mountains, jungles and other shelters to carry out sudden and covert attacks, the tactics of setting up a favorable position in advance and using a large number of individual air defense bombs to gather fire to attack targets are also often adopted by the Ukrainian army on the battlefield. The legendary "alligator" that dodged 18 bombs was obviously attacked like this. However, it is not easy to organize such an ambush effectively, and even if it is organized, it is still likely that the incoming fighters will find it first and destroy it first.

However, the Ukrainian army also has advantages outside the battlefield. Although the Ukrainian army’s own air defense command and control system has been completely paralyzed, NATO has a strong overseas battlefield monitoring capability. Since the start of the war, NATO has three E-3 early warning aircraft flying 24 hours a day along the northwestern and western borders of Ukraine until the southern coastline. At the same time, there are also the Global Hawk unmanned reconnaissance aircraft, RC-135 electronic reconnaissance aircraft, ground monitoring stations, radars and reconnaissance satellites to collect all kinds of Russian intelligence in real time. It is reported that the tactical intelligence collected by NATO can be shared with the Ukrainian military headquarters within two hours. If a single-soldier missile wants to fire at the enemy before it is discovered by an incoming fighter, it is very important whether it can aim the sighting system and seeker at the incoming direction of the enemy plane in advance. The Ukrainian army obviously does not have such ability. However, with the support of NATO intelligence, Ukrainian individual air defense missiles may exert more power than their performance itself.

Even so, the results achieved by the "stingers" are still too few. For the Russian army with the world’s top three air forces, its air-ground firepower cannot be weakened by the loss of "fur" of 20 or 30 aircraft. In fact, from the third week of the war, the Russian Ministry of Defense announced that the Russian army had entered the second phase of operations, and the coverage and strike intensity of Russian air forces have been escalating.

Stinger air defense missile.

Solve the "myth"

Finally, let’s go back to that long-standing legend. Stinger began to serve in the US military in 1981. Later, the improved FIM-92C model was taken as an example. Its maximum range was about 4,800 meters, the minimum range was 2,000 meters, the effective shooting height was 3,800 meters, and the maximum flight speed was Mach 2.2. Passive infrared/ultraviolet homing is adopted, which has the ability to ignore after launch and certain anti-jamming ability. The total weight of the cartridge of a single system is 13.3 kg. On the whole, the performance of this type of missile is not particularly outstanding compared with other similar contemporary products in the world.

The Stinger missile first entered the war in the 1982 British-Ama War. At the end of 1986, the missile was first launched on the battlefield in Afghanistan, shooting down a Soviet Mi -24. Before the withdrawal of Soviet troops in 1989, the United States provided about 900 to 1,200 "stingers" to Afghan guerrillas. In 1993, the American Yearbook of Air Defense Artillery claimed that Stinger had fired 340 pieces in Afghanistan and shot down 269 fixed-wing aircraft and helicopters, and the hunting probability was close to 80%-the myth was born.

However, the outside world has always been generally reserved about this figure. According to Soviet data, from 1987 to 1988, they lost 35 fixed-wing aircraft and 63 helicopters, of which 52 were lost in 1987, and only 14 individual air defense missiles caused losses. Another third-party source pointed out that the total record of Stinger in the whole Afghan war (1986-1989) was 74, which was only 27.5% of the results announced by the US.

Su -25 attack aircraft, which are often active at low altitude, are often attacked by portable air defense missiles, but the Su -25 with rough skin can often return safely with injuries.

The influence of "Stinger" on the overall war situation in Afghanistan is even more insignificant. First of all, it entered the war too late. The war in Afghanistan in 1986 has already entered a "garbage time" for Moscow, and the Politburo has been waiting for a less humiliating opportunity or excuse to withdraw. Stinger did play a certain tactical role in the first few months of the war. However, the Soviet army soon found restraint methods, including installing infrared warning systems, dropping infrared jamming bombs, and high-altitude penetration. These measures significantly reduced the hunting efficiency of Stinger. At the same time, in view of the guerrilla tactics of setting an ambush at the edge of the Soviet airport to attack the low-speed transport aircraft in the take-off and landing state, Soviet pilots are increasingly using the "violent" operation mode of rapid descent after entering the field at high altitude to avoid the "sting", and the effect is also good.

The guerrillas finally concluded that "Stinger" may force Soviet helicopters and attack planes to attack from a higher altitude, thus reducing the attack accuracy of Soviet fighters, but that’s all. It didn’t achieve more results than simple anti-aircraft weapons such as machine guns, anti-aircraft guns or RPG. Even after the Soviet troops withdrew in 1989, Kabul government forces could still rely on their limited air power to defeat guerrilla offensives many times. It can be seen that it is still difficult to limit the enemy air force in the face of the "stinger" of weaker opponents.

　　On the evening of October 31st.

　　Kweichow Moutai issued an announcement

　　After research, it was decided

　　Since November 1, 2023,

　　Up-regulate 53%vol Kweichow Moutai (Feitian, Wuxing)

　　ex-factory price

　　The average increase is about 20%

　　This adjustment does not involve the market guidance price of the company’s products.

　　The announcement also stated that

　　This price adjustment will affect the company’s operating performance

　　Have a certain impact

　　Investors are advised to invest rationally and pay attention to risks.

　　First price increase in six years

　　According to the Securities Times, this price increase is the first price increase of Maotai in nearly six years. Since the ex-factory price of 53-degree 500ml Feitian Maotai was raised from 819 yuan to 969 yuan in January 2018, and the terminal retail price was adjusted to 1499 yuan, the price increase expectation of Feitian Maotai has been fermented in the capital market, but it has not received a clear response.

　　According to incomplete statistics, Kweichow Moutai had previously raised the price of its products in 2006, 2009, 2010, 2012 and the end of 2017. Among them, 2006 was mainly aimed at Maotai vintage wines, and did not involve Feitian Moutai, which was the most concerned by the market.

　　On the day of December 28, 2017, the last time Kweichow Moutai announced the price increase, the share price of Kweichow Moutai rose by 8.21%.

　　The reporter learned that the products involved in the ex-factory price increase of Kweichow Moutai are mainly "Pumao" that consumers are familiar with, including five-star 53% vol.
500mL Kweichow Moutai, Feitian 53%vol 500mL Kweichow Moutai, and other milliliter products of Feitian series, such as Feitian 53%vol.
50mL Kweichow Moutai, Feitian 53%vol 200mL Kweichow Moutai, Feitian 53%vol 375mL Kweichow Moutai, Feitian 53%vol.
1L Kweichow Moutai, etc. 100 ml of 53-degree Feitian Moutai, as well as fine products, treasures and premium products, have not been adjusted.

　　Moutai products contribute nearly 85% of the income of Kweichow Moutai, and most of the income of Moutai comes from Pumao products such as 53-degree flying Maotai. This price increase will significantly improve the performance of Kweichow Moutai in the fourth quarter of this year and next year.

　　On the evening of October 20th, the third quarterly report of Kweichow Moutai revealed that the operating income in the first three quarters of 2023 was 103.268 billion yuan, up 18.48% year on year, and the net profit was 52.876 billion yuan, up 19.09% year on year. Among them, the operating income in the third quarter was 33.692 billion yuan, a year-on-year increase of 14.04%; The net profit for the same period was 16.895 billion yuan, up 15.68% year-on-year.

　　"In the absence of price adjustment for more than five years, raising the ex-factory price conforms to the trend of the country’s vigorous promotion of consumption recovery, which is conducive to boosting the confidence of the liquor industry and stimulating and stimulating consumption growth. At the same time, it also meets the expectations of investors and effectively boosts the capital market’s confidence in Kweichow Moutai and the liquor sector." Xiao Zhuqing, Chairman of Wuhan Jingkui Technology, analyzed.

　　Direct selling has been disguised to raise prices.

　　This round of price increase acts on dealer channels.

　　"Maotai will fully follow the market rules and respond to market demand." Ding Xiongjun, chairman of Maotai Group and Kweichow Moutai, made a statement at the shareholders’ meeting in the first half of this year, which finally echoed.

　　Since the beginning of 2018, the ex-factory price of 53-degree Feitian Moutai has been maintained at 969 yuan a bottle. During this period, the price of large head items of many wine companies has been continuously raised, even exceeding the ex-factory price of Feitian Moutai. After the price increase of about 20%, the ex-factory price of Feitian Moutai exceeded 1100 yuan, which widened the ex-factory price gap with other famous wines again.

　　What investors are concerned about is: How much will this increase in ex-factory price improve profits?

　　First of all, it can be clear that the ex-factory price of Moutai is increased by about 20%, which does not mean that the profit is directly increased by 20%.

　　Since the beginning of 2018, the average price of Moutai products has increased by about 18%, and the ex-factory price of 53-degree 500 ml Feitian Moutai has increased to 969 yuan. The annual report of that year showed that the gross profit margin of Moutai increased from 92.82% in the previous year to 93.74% in 2018, an increase of 0.92 percentage points.

　　At that time, about 90% of Kweichow Moutai’s income still came from wholesale channels, and the relationship between increasing ex-factory price and increasing profit was more clear. In 2018, the revenue of Kweichow Moutai increased by 26% year-on-year, the net profit returned to the mother increased by 30% year-on-year, and the profit increase rate was 5 percentage points higher.

　　However, since 2019, the proportion of direct sales revenue of Kweichow Moutai has greatly increased, and the direct sales channel has been sold at a market guidance price far higher than the ex-factory price, which is equivalent to the direct sales channel has already raised the price in disguise.

　　This adjustment does not involve the market guidance price, so the profit increase of listed companies in Kweichow Moutai mainly comes from the ex-factory price increase of dealer channels, while the profits obtained by listed companies through direct sales channels are not affected by this price increase. In the first three quarters of this year, Kweichow Moutai’s revenue from wholesale channels accounted for 55%, and the price increase is equivalent to half of its revenue, which is expected to increase its profit accordingly.

　　Balance of interests behind Maotai’s price increase

　　In the last ten years, every price increase of Moutai has aroused strong repercussions. With the market price of Moutai breaking through 1,500 yuan, 2,000 yuan, 2,500 yuan and 3,000 yuan all the way, the more the management of Maotai raises the ex-factory price in the future, the more it needs to consider various interests.

　　On the one hand, as a state-owned enterprise and the number one enterprise in Guizhou, Maotai’s ex-factory price increase is directly related to its contribution to local finance, and it faces the demands of local performance growth. On the other hand, after rising to the largest listed liquor company and listed state-owned enterprise by market value, the increase of ex-factory price will drive the increase of profit, which will have a great impact on the income of state-owned shareholders, institutional investors and small and medium-sized investors. But in turn, the price increase will affect the profit space of dealers and test the relationship between Maotai and channels.

　　For this reason, every time Maotai raises its ex-factory price, it is cautious and will continue to observe the consumption situation of liquor and the terminal price trend of Moutai.

　　In the case that the proportion of direct sales revenue is almost beyond mention, and the sales volume of Moutai can not increase rapidly for the time being, raising the ex-factory price has become a natural choice for Kweichow Moutai to ensure its performance improvement.

　　This time, Maotai chose to wait, and it was not until the wholesale price of Feitian Moutai stabilized in the fourth quarter that it finally announced the price increase. According to today’s wine price data, the original case of 53-degree 500ml Feitian Moutai this year is maintained at more than 2,900 yuan. Although the price is slightly lower than that of more than 3,000 yuan in the previous two years, it is still at a relatively high level in history, leaving enough profit space for dealer channels.

　　Xiao Zhuqing reminded that at present, the market price of Feitian Moutai has been realized in recent years when Maotai has continuously increased the supply of direct sales channels at a guide price of 1499 yuan, which is enough to show that Moutai is still in short supply.

　　"Considering that the revenue contributed by the entire direct channel is close to 50%, in this case, the increase in the ex-factory price of Moutai has little impact on the traditional dealer channels, but it is a boosting effect for increasing the profit of Maotai and increasing the income of shareholders. It is a shot in the arm for the stock market." Xiao Zhuqing said.

　　In addition, Kweichow Moutai once again raised its ex-factory price, which had a particularly significant impact on the liquor industry.

　　On the one hand, it is the significance of indicators. When the price of Feitian Moutai was raised in 2015, the last round of liquor industry adjustment period had not yet ended, and the industry still had the meaning of cold winter, but Maotai took the lead in sensing the warming trend of Feitian Moutai at the terminal and took the lead. Then in 2016, the liquor industry started a new round of upward cycle. The relationship between the price increase of Maotai and the inflection point of the industry cycle is often talked about by investors.

　　On the other hand, it is practical. After the ex-factory price of Feitian Moutai is raised, it will also open up the price increase space for other famous wines. The ex-factory price and market guidance price of Maotai liquor, in a sense, determine the anchoring objects of many famous and non-famous products.

　　However, it should be pointed out that the price and status gap between Moutai and other liquors in previous years is not so big. Whether the market of Maotai can accurately reflect the market of other liquor brands now may require further observation.

　　It remains to be seen how the capital market and liquor industry will give feedback.

　　Comprehensive | 21st century business herald, Securities Times, Interface News

　　The strongest high temperature heat wave in Henan since summer.

　　It entered its peak stage on the 7th.

　　Some stations in the north and central regions are hot enough to "break records" ↓

　　43.3℃ (on the 7th, Linzhou Station: breaking through the historical extreme since the establishment of the station)

　　41.7℃ (8th, Jiyuan Station: Breaking the historical extreme in July)

　　The Henan Meteorological Observatory continued to release today.

　　High temperature red warning

　　The high temperature red warning is in effect. ……

　　Henan Meteorological Observatory continued to issue high-temperature red warning at 9: 30 on July 9, 2023:

　　It is estimated that the maximum temperature in most counties and cities north of the Yellow River and Zhengzhou, northern Luoyang, northwestern Kaifeng and northern Xuchang will rise above 40℃ during the day on July 9.

　　During the day of July 10th, the highest temperature in most counties and cities north of the Yellow River, Zhengzhou and Luoyang continuously rose above 40℃. Please take precautions.

　　During the day on the 9 th

　　During the day on the 10th

　　It is worth mentioning that

　　If you are in an outdoor environment with strong sunlight.

　　The somatosensory temperature will be better.

　　It will even reach or exceed 50℃

　　Outdoor workers are extremely prone to heatstroke.

　　Heat stroke is the most serious type of heatstroke.

　　Is a severe acute heat-induced disease,

　　The mortality rate is high, so you should seek medical attention as soon as possible.

　　When fainting, unconsciousness, nausea, vomiting, shortness of breath, etc. occur, then the body temperature rises rapidly to 40 C.
Above, delirium, lethargy and coma may cause heatstroke.

　　How to prevent heatstroke?

　　To prevent high temperature heatstroke, first of all, we should eat reasonably, work and rest regularly, ensure enough sleep, and let the brain and body fully relax; Secondly, it is recommended to choose comfortable and breathable clothes in dress, and do a good job of sun protection outdoors; At the same time, it is necessary to replenish water and salt in time, and it is recommended to prepare heatstroke prevention drinks or medicines every day.

　　Experts suggest that you should try to avoid going out from 11: 00 to 16: 00 in hot weather, and prepare for heatstroke prevention and sun protection if you have to go out; At the same time, we should avoid strong physical activity or labor in high temperature, high humidity and poor ventilation, avoid wearing airtight clothes, and replenish water and electrolyte in time. It is particularly noteworthy to avoid moving or working directly from cool areas (such as air-conditioned rooms) to high-temperature outdoor areas.

　　If you feel dizzy, headache, fatigue, thirst, hyperhidrosis, palpitation, inattention, uncoordinated movements and other symptoms after working in a high-temperature environment for a certain period of time, and your body temperature is normal or slightly elevated but lower than 38℃, which may be accompanied by premonitory heatstroke symptoms such as flushing and burning skin, you should evacuate from the high-temperature site in time, transfer the patient to a cool and ventilated environment, wipe your body with warm or cold water, or blow with an electric fan to replenish electrolytes, and

　　Defense guide:

　　1. The government and relevant departments shall, in accordance with their duties, take emergency measures for heatstroke prevention and cooling to ensure production, fire protection, health and safety, and urban water supply and power supply.

　　2. Stop outdoor outdoor operations (except for special industries).

　　3. Avoid long-term outdoor activities, take effective sun protection measures, and take protective measures for the old, weak, sick and young people.

　　4. Drivers should pay attention not to put flammable items in the car, and check the condition of the car before driving to prevent the vehicle from spontaneous combustion and puncture.

　　5. Relevant departments and units should pay special attention to fire prevention.

　　Today, the northern and central parts of Henan continue to "fire fully"

　　It’s so hot that I can ride the dust ↓

　　At 12 o’clock, the highest temperatures in Jiaozuo, Zhengzhou and Linzhou took the top three in the country.

　　Seven of the "Top 10" sites are in Henan.

　　Many people are also feeling:

　　How long will this high-temperature "protracted war" last?

　　The latest forecast shows that:

　　There are still three days left in the scorching sun like charcoal in the north central part.

　　On the 11th, with the increase of cloud cover.

　　The range and intensity of high temperature are reduced compared with the previous period.

　　Immediately after the afternoon of the 11th, Henan will start the "soaking in water" mode again.

　　It can be described as seamless connection between high temperature and precipitation.

　　A large-scale precipitation process struck on the 11th.

　　On the 11th, there were showers and thunderstorms in the whole province from afternoon to night, with moderate to heavy rain in the central and eastern regions.

　　On the 12th to 13th, there were small to moderate showers and thunderstorms in the whole province, and some counties and cities in the central and eastern regions experienced heavy rains.

　　From 14th to 15th, it was cloudy in south-central China, with showers and thunderstorms in some counties and cities.

　　With the spread of a new round of precipitation

　　This round of high temperature weather will also be significantly alleviated from the 12th.

　　Except in the south, the highest temperature in most other parts dropped below 35℃

　　Forecast source: Henan Meteorological Observatory forecast at 12: 00 on July 9, 2023.

　　Weather forecast for the next 7 days

　　Provincial weather forecast

　　This afternoon, it was cloudy and cloudy in the south, and there were showers and thunderstorms in the south of Xinyang. Other counties and cities are cloudy on sunny days. The highest temperature in the north-central part is 40 to 42 degrees, and it can reach 43 degrees locally.

　　Tonight, eastern Puyang, southern Zhumadian and Xinyang turned cloudy to cloudy, with showers and thunderstorms, and some strong convective weather such as short-term heavy precipitation; Other counties and cities are cloudy on sunny days.

　　Tomorrow, it will turn cloudy to cloudy in the east and south, with showers and thunderstorms, and moderate to heavy rain in some areas; Other counties and cities are sunny to cloudy. The highest temperature in the north-central part is 38 to 40 degrees, and it can reach 42 degrees locally.

　　On the 11th, the whole province turned cloudy to cloudy, with showers and thunderstorms from afternoon to night, and moderate to heavy rain in the central and eastern regions.

　　On the 12th to 13th, the whole province was cloudy, with small to moderate showers and thunderstorms, and some counties and cities in the central and eastern regions had heavy rains.

　　On the 14th to 15th, it was cloudy in south-central China, and there were showers and thunderstorms in some counties and cities. Other counties and cities are cloudy.

　　Provincial capital Zhengzhou

　　From this afternoon to night, it will be cloudy on sunny days. The southerly wind is 3 to 4. Maximum temperature: 40 to 41 degrees; Minimum temperature: 27 to 28 degrees.

　　Tomorrow, sunny to cloudy.

　　On the 11th, it turned cloudy to cloudy with showers and thunderstorms.

　　Dahe Network Integrated Henan Meteorology and Henan Early Warning Release

　　Some consumers rely too much on credit card overdraft consumption and fall into the situation of "repaying loans with loans" and "raising cards with cards", which leads to tight funds and doubled repayment pressure; Some consumers also illegally use credit card loans in non-consumption fields such as real estate and securities, which enlarges the leverage of funds, easily leading to unsustainable personal or family finances and risk accumulation of financial institutions.

　　Consumers should correctly understand the function of credit cards, rationally overdraw their consumption, and do not "keep the card with the card" or "repay the loan with the loan", let alone "borrow it for a long time", and give full play to the consumption support function of consumer loan tools such as credit cards.

　　In order to solve the problem of credit card cashing, it is more important to strengthen the enforcement of credit card supervision, in addition to building a comprehensive prevention and control project such as relevant legal system and bill collection norms

　　On June 29th, the Consumer Protection Bureau of China Banking and Insurance Regulatory Commission, China issued the fourth risk warning in 2020, reminding consumers that they should correctly understand the functions of credit cards, use them rationally, establish a scientific concept of consumption, spend rationally and overdraw moderately.

　　China Banking and Insurance Regulatory Commission said that in recent years, the credit card business has developed rapidly and has become an important part of the bank’s retail business, which has played a positive role in promoting residents’ consumption and facilitating residents’ lives. However, the problems in the process of using credit cards have become increasingly prominent.

　　Recently, a survey by the reporter of Legal Daily found that some consumers rely too much on credit card overdraft consumption, take on large credit card loans beyond their repayment ability, and even fall into the situation of "repaying loans with loans" and "raising cards with cards", which leads to problems such as tight funds and doubled repayment pressure; Some consumers illegally use credit card loans in non-consumption fields such as real estate, securities, funds, wealth management, etc., which will easily lead to unsustainable personal or family finances and bear corresponding consequences, and also lead to the accumulation of risks in financial institutions.

　　Over-reliance on overdraft consumption, card financing is tight.

　　On June 9th, the People’s Bank of China released the General Situation of the Payment System in the First Quarter of 2020, which showed that the total outstanding credit of credit cards overdue for half a year was 91.875 billion yuan, accounting for 1.27% of the credit balance of credit cards. As of the end of the first quarter of this year, the total amount of outstanding credit overdue for half a year has approached the highest amount in two years.

　　According to a survey conducted by the reporter of Legal Daily, some consumers avoid credit card repayment by means of "keeping cards by cards", that is, by handling credit cards of different institutions and using different repayment dates to realize circular repayment.

　　Ms. Zhang, a citizen of Chongqing, has used the method of "keeping a card with a card" for almost five or six years. She has handled different credit cards in three banks, and realized credit card repayment and transaction in different banks through her own POS machine. Without withdrawing cash, she only needs to bind a savings card with a POS machine, and the consumption and repayment of different credit cards can be realized by using the savings card. The monthly circulating repayment fund is about 10,000 yuan.

　　"The repayment date of each month is my most anxious time, for fear of being blacklisted if I miss the repayment date." Ms. Zhang said.

　　Similar to the method of "keeping a card with a card", consumers use the principle of credit card to enter and leave the bill, and postpone the repayment of this month’s money until next month or indefinitely.

　　According to a survey conducted by the reporter of Legal Daily, there are a lot of posts on the Internet similar to "How to repay the 10,000 yuan credit card bill with 500 yuan". According to such posts, as long as consumers make any payment on any day between the payment date and the repayment date of the credit card, any payment will be regarded as repayment, and any payment will be included in the next month’s bill. For example, the post said that if there is a credit card that needs to pay back 10,000 yuan, only 500 yuan is in hand. At this time, you only need to deposit the 500 yuan between the billing date and the repayment date, and then use the third-party platform to brush it out. Every operation, the deposited 500 yuan will be counted as repayment, and the brushed 500 yuan will be counted as next month’s bill. Go back and forth for 20 times, and you can pay off the credit card bill.

　　For such a repayment method, the industry believes that this move will not cure the symptoms, and the credit card arrears of 10,000 yuan have not actually been paid off. "It is just to postpone the arrears this month to next month. In addition, the cardholder also needs to pay a certain handling fee to the payment platform, and 10,000 yuan will probably need 75 yuan. ".

　　The risk warning document issued by China Banking and Insurance Regulatory Commission Consumer Protection Bureau also indicated that consumers should correctly understand the function of credit cards, rationally overdraw their consumption, and not "keep the card with the card" or "repay the loan with the loan", let alone "borrow it for a long time", and give full play to the consumption support function of consumer loan tools such as credit cards.

　　There are many ways to cash out, which are hidden and difficult to find.

　　Recently, several commercial banks have adjusted the credit card points rules, and the People’s Bank of China has also solicited opinions from the society on the Notice on Strengthening the Management of Payment Acceptance Terminals and Related Services (Draft for Comment). These adjustments have aroused social concern about credit card cashing.

　　The so-called credit card cashing means that the cardholder does not withdraw cash through normal legal procedures (ATM machines or bank counters), but withdraws the credit line in the card in cash through other illegal means without paying the withdrawal fee to the bank.

　　It is understood that at present, there are many cash-out methods circulating in the market, such as using QR code to scan the code to obtain cash for third-party payment platforms, using POS machines to obtain cash, and using third-party software to consume credit cards, and then returning them to consumers in cash.

　　The reporter of "Legal Daily" learned on a credit card cashing website that consumers can choose their own virtual goods corresponding to their cashing amount, and then pay by credit card as required. After the transaction is completed, relevant personnel will transfer the balance after deducting the handling fee to the "Cashier" through cash transfer. During the whole cashing process, consumers did not buy any products in the practical sense.

　　At the same time, the "Legal Daily" reporter noticed that there are also many credit card cashing advertisements in the WeChat circle of friends. Some people claim that they can use their credit cards to withdraw cash, and the starting price in 800 yuan is.

　　Zhang Dan (pseudonym), a Beijing citizen, made a similar transaction. One day, Zhang Dan saw a credit card cashing advertisement in the WeChat circle of friends, and just as he needed a sum of money urgently, he expressed his willingness to cash out. After communication, Zhang Dan scanned the code and paid 2000 yuan to the designated account according to the other party’s request, and was immediately told that "there is an error in the system at present, and it is temporarily impossible to withdraw cash". The other party told Zhang Dan that he would try again in a few days to withdraw the cash successfully. However, a few days later, when Zhang Dan asked about the cash withdrawal again, he was told that the merchant had "run away" and suggested calling the police.

　　According to the investigation by the reporter of Legal Daily, such fraudsters generally use the software of adding friends in batches to add the victims as friends for various reasons, and then publish the cash-out information of various channels through the circle of friends, and entice netizens to contact them with low handling fees and quick cash withdrawal. In addition, they will also publish some screenshots of their successful transactions with customers and their favorable comments, so as to increase their credibility. When the victims pay, they will find various reasons to postpone the withdrawal, or directly blacken the victims.

　　An online merchant told the "Legal Daily" reporter that when they provide customers with credit cards and other means of payment, they all need to provide certain fees to banks or related financial institutions. In order to avoid paying this handling fee, many businesses are reluctant to provide credit cards, flower beds and other means of payment. In addition, for many young people, rent is a big expense, and most landlords’ accounts are private accounts, which only support cash transactions or transfers. In this case, credit cards can’t meet the consumption in some fields, and the legal withdrawal fee is relatively high, which leads people to use credit cards to cash out.

　　The Interpretation of the Supreme People’s Court and the Supreme People’s Procuratorate on Several Issues Concerning the Specific Application of Laws in Criminal Cases of Impairment of Credit Card Management, which came into effect on December 1, 2018, clearly states that "using point-of-sale terminal equipment (POS machines) and other methods to directly pay cash to credit card holders by fictitious transactions, false pricing, cash return, etc., if the circumstances are serious, they shall be convicted and punished for the crime of illegal business operation in accordance with the provisions of Article 225 of the Criminal Law".

　　According to Yin Zhentao, director of the Financial Technology Research Office of the Institute of Finance of China Academy of Social Sciences, in the past, most people usually used POS machines to cash out their credit cards. However, because POS machines are the card terminals of banks, they are easy to be found when they are often used, and the handling fee for swiping cards with POS machines is high, so at present many people use third-party payment channels such as QR code scanning payment to achieve the same function. In addition, some people also use some design mechanisms of credit cards to increase the amount of cash. There are also many people who scratch the edge of time or use the information networking between business platforms to find loopholes in the credit card mechanism. With the application of new technology, the characteristics of credit card cashing are more hidden and more difficult to find.

　　With the rapid development of consumer credit, the risks behind it cannot be ignored.

　　In November, 2019, the Research Report on Post-90s Credit Card Consumption Scenarios released by Guangfa Bank showed that in recent years, under the influence of new formats in internet plus, Internet consumer credit has risen rapidly. Internet consumer financial products launched by major e-commerce companies emerge in an endless stream, such as Ant Flower Garden, JD.COM White Strip and Free Pay, which are deeply loved by young people who love online shopping because of their low application threshold, simple procedures and convenient use. They are the products that many "post-95 s" first tried credit consumption.

　　Encouraged by capital and financial technology, China’s consumer credit market is experiencing explosive development, and all kinds of credit institutions tend to target younger "Generation Z" young people who lack stable income sources.

　　Yiborui, an information service company, believes that Internet consumer credit institutions bluntly promote the concepts of "long tail customers" and "sub-optimal customers" and guide credit institutions to lower the loan threshold and sink the customer base; At the same time, the problem of joint debt is becoming more and more serious. In order to delay the risk outbreak, some institutions cover up the stock risk by means of loan restructuring, borrowing new ones and returning old ones.

　　"In the process of using credit cards, the main problem for consumers is that they don’t understand credit cards, such as whether the annual fee is paid and the consequences of defaulting on the annual fee. Therefore, when applying for and using a credit card, consumers should fully understand the credit card-related information such as credit card interest settlement rules, billing date, annual fee/penalty payment method, etc. In addition, consumers are excessively charged with personal sensitive information and even personal privacy information when applying for a credit card. " Li Aijun, director of the Legal Research Center for Financial Innovation and Internet Finance of China University of Political Science and Law, said in an interview with the reporter of Legal Daily that for commercial banks, there are mainly risk control problems, risk tips for consumers and repayment tips when issuing credit cards.

　　Yin Zhentao also told the reporter of Legal Daily that at present, in the process of using credit cards, the problems of risks and illegal consumption have become increasingly prominent. Especially among some young people, there has been a rapid rise in personal leverage. They use the method of "keeping cards with cards" to pay back money alternately by handling credit cards of various institutions.

　　"This phenomenon is very obvious at present. It will not only accelerate the rise of personal leverage, but also increase the probability of default risk. Another problem is the crime around credit cards, which mainly focuses on the issue of cashing out with credit cards. " Yin Zhentao said.

　　Strengthen comprehensive prevention and control, and strengthen supervision and enforcement.

　　Affected by the COVID-19 epidemic, the credit card business of commercial banks generally experienced a decline in card issuance and transaction volume and an increase in overdue rate in the first quarter of this year.

　　A number of interviewed industry insiders said that in the short term, credit card loans are still in the risk exposure period, but both the amount of cards issued and the transaction volume are currently in the process of steady recovery. At the same time, in response to the impact of the epidemic, a number of banks have stepped up efforts to promote credit card consumption and accelerated the recovery of collection capacity.

　　In fact, banks are more sensitive to risks. Recently, many banks have begun to strictly control risks by blocking cards and reducing quotas.

　　Recently, a number of credit card holders "spit out" that they have recently received a short message of notice of reduction from banks, including large state-owned banks and joint-stock banks.

　　According to insiders, at present, all major banks are strengthening risk management and control in the whole process, and there is generally no large-scale or sudden reduction of credit cards. However, as one of the normalized risk control measures, banks will regularly adjust the quota of some high-risk customers, and implement a more prudent new customer access strategy and improve the efficiency.

　　Regarding the risk warning of the China Banking and Insurance Regulatory Commission Consumer Protection Bureau about the correct use of credit cards, Li Aijun believes that it is mainly due to the concentrated outbreak of complaints in the credit card field.

　　Li Aijun specifically analyzed: First of all, the credit card issuing agency’s review and risk control of the applicant is a mere formality, relying too much on the deterrence of criminal responsibility as a means of risk control, and failing to carefully review the applicant’s credit status and repayment ability; Secondly, some card-issuing banks unilaterally adjust the credit line, and it is unclear to inform the service charges in advance; Third, some card-issuing banks set up overlord clauses in credit card preferential activities, unilaterally changed the rules of activities, and failed to honor preferential treatment, causing consumer dissatisfaction; Fourth, some card-issuing banks have some problems, such as the failure to fulfill the notification obligation, the nonstandard marketing and publicity, the nonstandard card-issuing management and the inadequate outsourcing management.

　　"This risk warning is mainly aimed at the two prominent problems of risky consumption and illegal consumption. It is to guide ordinary financial consumers to use credit cards reasonably, including the control of leverage and understanding the function of the credit card itself, that is, it is a function of installment payment, not a function of investment and financial management, and not a function of borrowing." Yin Zhentao said.

　　A number of bankers said that despite the short-term epidemic, in recent years, with the deepening and accelerated application of various financial technology means, banks’ risk identification for individual customers has become more accurate.

　　The above-mentioned risk warning document issued by the Consumer Protection Bureau of China Banking and Insurance Regulatory Commission also pointed out that if there is arrears or annual fees of credit cards, it will generate interest costs and may also affect personal credit information. When spending by credit card, consumers should plan their funds reasonably and arrange and manage their personal or family funds well.

　　In Yin Zhentao’s view, the regulatory framework and rules in the field of consumer finance are relatively rich and perfect, and the users of credit cards are better than those in other stages of consumption. "In the whole process of governance, illegality and prevention are the problems of spears and shields. Although the shield is very strong, the spear will also increase its aggression."

　　Yin Zhentao suggested that in order to solve the problem of credit card cashing, it is more important to strengthen the enforcement of credit card supervision, in addition to building a comprehensive prevention and control project such as relevant legal system and bill collection norms.

　　"In the past two years, there have been a lot of fines around credit cards, which is actually increasing the illegal cost, thus imposing certain constraints on relevant subjects. Of course, in this process, it is necessary to gradually introduce more normative documents or increase penalties according to the new situation and new technologies, or use window guidance to regulate. " Yin Zhentao said.

　　(The original title is "Investigation on the chaos of overdraft consumption" repaying loans with loans "and" raising cards with cards "using illegal loans for non-consumer credit cards" raising cards ")

　　How to pay the water fee paid by Beijing Net?

　　1. WeChat WeChat official account

　　Pay attention to "Beijing Water Supply Group" WeChat WeChat official account. The public account includes three columns: My Water Use, Business Handling and Public Information. Payment can be made after successful login.

　　2. Alipay

　　The user opens the Alipay wallet APP on the mobile phone. Select 【 Life Payment 】 on the homepage. If the interface does not display 【 Life Payment 】, please click 【 All 】, find 【 Life Payment 】 in 【 Convenience Life 】 and click to enter.

　　Select the corresponding payment unit, and then enter the user number to pay.

　　3. Beijing Tap Water APP

　　Beijing Tap Water APP fully considers the water demand and habits of users, and has nine functions, such as water fee payment, bill reminder, payment record inquiry, self-report number, appointment inquiry and business outlet inquiry, to realize the diversified needs of different users.

Tips: Wechat searches for WeChat official account’s local treasures in Beijing. After paying attention, you can reply to [Water Fee] in the dialog box to get Beijing’s water fee price charging standard, water fee payment method (online and offline), online payment entrance, etc.