Will online games ruin children?

  Recently, under the background of the new policy of "double reduction", the topic of minors playing online games has been pushed to the forefront again, causing social concern. Different from the past, this hot discussion has formed a completely opposite situation: on the one hand, it accuses online games of great harm to teenagers, and laments that it will destroy a generation in the long run; On the other hand, the game is not only innocent, but also should be vigorously developed and become a national "strategic emerging industry". In the face of online games, how can children "afford to play, let go, not refuse, not indulge"?

  square

  Online games have ruined our family.

  Zhao Nvshi, a junior high school parent

  When my son was in primary school, his academic performance was particularly good, but when he was in junior high school, he became addicted to online games, just like a different person. Especially during the online class at home last year due to the epidemic, I didn’t listen to the class and didn’t write my homework. When I taught him a few words, he shouted at me and even told me to "get out". After returning to school and resuming classes, his grades plummeted and he became a poor student in his class, and he didn’t even want to go to school. I mobilized all my relatives and friends to go into battle, and finally managed to persuade him to go to school. Because he often plays games all night at night, his mental state is very poor during the day. Even when he goes to school, he sleeps, and he has a bad temper. He often conflicts with his classmates because of some small things, and his friends around him are getting less and less.

  School starts in September, and my son should be in the third grade, but his state is so bad that we suspended him at the suggestion of psychologists. Now, he doesn’t communicate with us at all, and he won’t let me and his father go into his room. When eating, I can only put the rice at the door of his room and let him take it in. I feel very sad. It is online games that have ruined our original warm home.

  I really shouldn’t have let my child "into the pit" at the beginning.

  Senior three parents, Ms. Liu

  Daughter from primary school to senior three, we don’t know how many "wars" have happened because of online games. From the initial angry tablet, to the subsequent confiscation of mobile phones, and then to the signing of a mobile phone use agreement, this protracted "tug-of-war" has been filled with smoke. I regret it very much now. I shouldn’t have let my child "into the pit" at the beginning.

  I think it’s best for parents to intervene and act early, and explicitly ask their children not to touch online games when they are still young. Of course, this is a process of wits and wits. A friend of mine has been letting his children use the old-age computer in order to prevent them from playing games, even though his son has been in the third year of high school; I also have a colleague who has been in a cold war with his fifth-grade son for many days because he secretly played games … … These methods may not be the best, and they need to be adopted according to the children’s situation, but it must be said that parents must have a clear attitude towards their children’s playing games, and they must never let them go, let alone compromise because they are worried about their children’s excessive behavior.

  Playing games makes it difficult to integrate into the group.

  Teacher Wang, the head teacher of a primary school

  As a teacher, I firmly oppose students playing online games, because indulging in them is extremely harmful to students and has caused immeasurable harm to their physical and mental development.

  Judging from the classes I manage myself, in recent years, there are often students who are addicted to playing games and delay their studies, including children with excellent academic performance, teachers and parents. Some children are completely deaf and their grades have dropped sharply. A child stole six or seven thousand yuan from his parents’ bank card in order to buy game props, which made family relations very tense. Not only that, but the child’s eyesight also declined. In addition, because they pay special attention to winning or losing games, some children who play games are in a bad mood and unstable mood if they fail to pass the test. They are immersed in their own game world and are unwilling to communicate with teachers and classmates, making it increasingly difficult to integrate into the collective life.

  I hope that the painful lesson will not be repeated.

  Cao Lizhi, a teacher of Cuiwei School affiliated to the National People’s Congress.

  I am a high school teacher. I didn’t think that online games were a scourge, but I thought that playing them occasionally could exercise the coordination of hands and brains. However, the painful lessons happened in my class and my students, which made me hate online games.

  I once taught a particularly clever student, who was among the best in his freshman year, but somehow fell in love with online games. During his three years in high school, his academic performance went from bad to worse, but his level of playing games became better and better. No matter what games he played, he got started very quickly and was able to learn by analogy. Even the game company funded him to play games in other places. However, the college entrance examination gave him a blow, and he fell into Sun Shan. Now every time he comes back to see me, he will say a word: "Playing games in high school, getting possessed, killing people!" This child often makes me feel sorry. Later, I no longer support the students in my class to play games, and I have to explain the truth to them, so that they can stay away from games and come back to reality.

  Teenagers’ excessive games have many hazards.

  Chen Yao, Haidian Academy of Education

  While online games bring people entertainment, the negative effects and harms in some aspects are increasingly prominent, especially for teenagers whose physical and mental development is not yet mature. Excessive games may lead to a series of abnormal psychological and behavioral reactions of children, which will bring negative consequences to individuals and families, and it is also easy to cause some social problems.

  Excessive games will affect the physical development of teenagers. Looking at the screen at close range for a long time will make the ciliary muscle in the eyeball lose its elasticity, which will lead to the inability to recover the lens, which will lead to myopia. Teenagers spend too much time on games, which will lead to insufficient physical exercise time, especially outdoor exercise time, which will also have a negative impact on teenagers’ physical development. Teenagers who excessively play games often stay up late to play, which will lead to the body’s failure to produce enough melatonin. Without enough melatonin, they can’t get high-quality sleep, which will have a negative impact on teenagers’ daily mental state, physical growth and development, and the formation of physical immunity. In addition, studies have shown that the normal development of the left forebrain of teenagers who are addicted to games will be inhibited, especially for children who are in early intellectual development, and this effect is more obvious.

  Excessive games will affect the psychological growth of teenagers. Due to the long-term lack of social communication and interpersonal communication caused by excessive games, people often regard the virtual online world as real life, and their thoughts and emotions will be out of touch with real life, and psychologically they will show the characteristics of self-isolation and self-righteousness. Although these teenagers can get psychological satisfaction through the virtual world, they can’t improve their ability to deal with real problems. Once they return to real life, they often feel at a loss, so that they always choose to escape in the face of real difficulties. At the same time, as a result of spending a lot of time on games, it is inevitable that the study time will be greatly reduced and the study standards will be lowered, so that the academic performance will also decline again and again. In addition, for teenagers with immature psychological development and weak behavior self-control, violence and pornography in the game are likely to be the incentives for them to commit crimes.

  Analyzing the reasons why teenagers are addicted to online games has great attraction, but the fundamental reason lies in the serious problems in their real life. Bad parent-child relationship, monotonous family life, great pressure of academic competition, insufficient sense of self-worth, blocked development of personal interests and hobbies, and insufficient ability of personal social communication and emotional adjustment, etc., the psychological needs behind these games are also worth pondering by parents and educators.

  opposing

  It is not the original sin of the game for children to go bad.

  Mr. Cheng, a junior high school parent

  Today, online games, like novels, dramas, movies, TV plays and other cultural and entertainment elements, have become an indispensable part of the development of human society and have a great impact on human social interaction. All kinds of games are important components in both computers and mobile phones.

  The game has been criticized constantly since its birth. Some people think that playing games will damage the eyes, make people addicted to it and delay their studies. In short, children will become bad when playing games. However, are these questions really the original sin of the game? Will watching movies ruin your eyes? The closed and dim screening hall, strong light and big screen, which lasts for two hours at a time, is much more irritating to the eyes than playing games. Why didn’t anyone propose to ban teenagers from watching movies? Will online teaching ruin your eyes? Online classes should be staring at the screen, and I haven’t heard of social calls to cancel online courses. It is said that playing games will be addictive and addictive, but reading novels will be addictive, reading comics will be addictive, watching idol dramas will be addictive, and brushing videos will be addictive, as well as fishing, raising flowers and raising birds … … In fact, everything is addictive, which requires moderation and control. The board can’t just play games. As for the fact that games make teenagers tend to be violent and become bad children, we must admit that some games have violent content, and the users they face are adults, just as some film and television dramas are not suitable for children to watch, so are games. The game industry should set up a grading system, and teenagers should not be exposed to such games, but this is not the problem of games themselves, but what measures should be taken by relevant departments to standardize the management of teenagers playing games.

  Playing games properly can make you feel happy.

  Middle school student Xiao Zhang

  In my daily busy study and life, I occasionally play online games, because it can play a certain venting role and make my mood happy. The game has scenes that can’t be shaped in real life. When playing the game, I can "play strange" or "make friends" according to my own ideas. I think that most students as old as me will not be addicted to games, and only a few cases confuse online games with real life. As long as enough is enough, playing games can explain the "combination of work and rest" well, and even get twice the result with half the effort.

  Knowing the game is knowing yourself.

  Xiao Du, a graduate of Game Design Department of Communication University of China in 2021.

  I grew up with games all the time. From playing with all kinds of interesting toys when I was a child, to exchanging treasures and dreams with my partners when I was a student, to chatting with my friends in front of the computer, or looking for a board game bar to play cards all afternoon. It is precisely because I have always experienced the fun brought by games that my middle school days are diverse and positive. Because I like the fun of games, love to play and think everyday, and occasionally DIY some games, I chose the game major without hesitation in the college entrance examination. Combined with my own game experience and learning practice on campus, I have a strong interest and curiosity in game design. Good games can make people get meaningful happiness continuously and get rich experiences from games. This is a complex subject that integrates computer, art, psychology, economics and other knowledge, and it is still growing vigorously. Why do people feel happy? How to control the psychological expectation of good people? These are all problems that deserve our constant reflection and summary in the game production process and even in our life. To understand the game is to understand ourselves. Therefore, I encourage teenagers to try and experience games. Of course, the premise of playing games is to complete their daily study and experience them in their spare time.

  Rudely stopping children from playing games will affect social interaction.

  Senior gamer Zhan Congcong

  As a veteran player with more than 20 years of gaming experience, I think it is normal for teenagers to play online games. If they are simply and rudely stopped from playing online games, their normal social interaction and their cognition of the world may be affected to some extent.

  In the digital age, online games have become an important window for teenagers in the new era to know the world, acquire knowledge, understand the society, integrate into the group and gain a sense of accomplishment. Many teenagers’ initial cognition of historical figures and events comes from games, and many teenagers’ circle of friends is also established based on game circles. Online games have been catalyzing the cognitive iteration of teenagers in the digital age. It is almost a natural evolution process for some teenagers to choose to play online games, because teenagers need to establish some cognition during play, and the work of making these teenagers who love to play games establish this cognition is handed over to online games.

  At present, the debate on online games in society mainly focuses on the idea that children are easy to indulge in online games, which will delay their study and affect their health. These problems do exist, because in the highly capitalized online game market in China, the mechanism design of most commercial games is based on user retention, so that players can spend enough time in the game to achieve their operational goals. The interlocking game task incentives make it easy for adult players to play hard, let alone teenagers. However, if game manufacturers can add a mechanism that rewards will be doubled if they play for more than a day in the game design process, maybe the outcome will be different. For example, in addition to the minor protection system, if the market supervision department can unite with game manufacturers and smartphone manufacturers to develop a combination of software and hardware to guide young people to control game time, it may also reduce some negative effects!

  In fact, online games are just one of the countless ways of digital entertainment in this era. Forcing a child who likes to play games not to play games may not make him suddenly fall in love with learning. Here, I also want to say to those parents who are upset because their children love playing games: it may be more meaningful to know their children through games, to find out why children love playing games but don’t like learning, and to know what games bring to their children that they can’t get in real life, than to simply stop them from playing games.

  Let foreigners know about China culture through games.

  Hua Yin, an employee of a game company

  In recent years, with the rapid development of the Internet industry, games have become one of the most important forms of entertainment for netizens because of their low threshold and low cost.

  In the early years, domestic stand-alone games had a glorious period, and both the plot quality and the depth of the ideological core were not inferior to foreign masterpieces, and even won various awards repeatedly. Nowadays, with the continuous improvement of the quality of game products, domestic games have gradually gained a foothold in the domestic market, while focusing on the new battlefield of "overseas". The news from the China International Digital Entertainment Industry Conference held not long ago shows that the actual sales revenue of self-developed games in overseas markets in the first half of the year was 8.468 billion US dollars, up 11.58% year-on-year.

  Based on the famous works such as Romance of the Three Kingdoms, overseas developers have developed a series of games with the theme of the Three Kingdoms, which are popular all over the world. Previously, overseas game users’ understanding of China often came from the works of our neighboring countries, but they knew little about the spiritual and cultural core of China and China people now, and even had a lot of misunderstandings. Nowadays, with generations of gamers exploring and studying quality and culture, more and more China elements appear in overseas markets, and more foreigners learn about China culture through China games.

  Expert opinion

  Games are children’s friends

  Li Qisheng, Vice Chairman of Beijing Science and Technology Education Promotion Association

  Games are the shadow of life. What kind of living environment children have, what kind of game choices they have. With the changes of the times and the development of society, in the metropolis of the information age, children’s game positions naturally shift to computers, mobile phones and networks.

  Games are the choice of conformity. When children are young, when they communicate with peers, they will naturally talk about games. Children who have no contact with games at all can easily feel isolated. Therefore, under the guidance of parents, children’s exposure to some video games often played by their peers will help children find common topics with their peers, help them empathize with each other and help them integrate into the group.

  In the eyes of many parents, children’s friends are good or bad, and so are games. Games that transmit unhealthy information and guide unhealthy behaviors are "bad friends"; Games that inspire thinking innovation, convey unity and cooperation, and promote positive progress are children’s "good friends".

  Undeniably, in this noisy era, some unhealthy video games are easy to defile children’s innocent hearts and affect their healthy growth. However, we need to face and accept children’s contact with computer games and mobile games calmly, because it is children’s nature to like games and games are children’s friends.

  However, games are not the whole of life. Friends are friends, and life is life. As parents, we can’t simply and rudely deny our children access to games, nor can we let them indulge in games. When we first come into contact with games, we need to establish rules with our children, when we can play games, which games we can play and when we must stop playing games. At the same time, parents can actively collect games, choose good games, try to play by themselves, play with children, interact with parents and grow up happily.

  At different stages of children’s growth, their interest in games will also shift, just like at different ages, they will make friends with different interests. Therefore, parents need to understand the child’s interest transfer and need to follow up in time. While we advocate active participation in outdoor games and parent-child games, many electronic games, such as programming games, Sudoku games, painting games, word games and strategy games, can also be continuously concerned.

  Of course, children’s main task is to learn. The relationship between games and learning, the application of games in education, and how to make children fall in love with learning like games are also topics of concern to many experts and primary and secondary school teachers. Applying the concept of gamification learning can enliven the classroom atmosphere, arouse students’ enthusiasm for learning and make boring teaching activities colorful. The combination of games and education is likely to promote the reform of student-centered and efficient learning methods.

  Children who can play have a better future. Therefore, I suggest that the relevant departments should gradually infiltrate the game-based learning concept in the compilation of textbooks, classroom teaching, extracurricular activities, homework evaluation and other links in primary and secondary schools, infiltrate games in learning, and learn happily in games. In this way, children can "afford to play, let go, not refuse, not indulge" when facing the game.

Singer Wu Kequn appeared at the wedding of Nanjing couple: singing a new song "Love You Without Life", with a gift of 999 yuan; National Day also participated in Midou Music Festival and announced a d

This affectionate song perfectly matches the "ordinary but warm" love story of the couple. Relatives and friends at the wedding scene raised their mobile phones to record this precious moment, and the couple was even more moved.In addition to singing blessings, Wu Kequn’s team was also very considerate, and followed the etiquette and customs to present 999 yuan to the couple, which means "a long time" and the details were warm.

"We also temporarily moved up the wedding for two hours for this matter, abandoning empty mirror shooting, location shooting and rehearsal." The bride said that the airborne wedding was a beautiful "two-way trip". The couple’s pure love story touched the team, and Wu Kequn’s surprise appeared, which also endowed the wedding with unforgettable commemorative significance.

It is worth mentioning that,During the National Day,Kenji WuHe also performed at the 14th Midou Music Festival in Lishui, Nanjing, where he not only sang your legend and other classic tracks, but also announced that he would donate 100,000 yuan to children in need in Nanjing.He also rushed to attend the 2025 Suzhou Houlang Yuanqi Forest Music Festival.

According to public information, Wu Kequn, born in Taiwan, China in October 1979, is a male singer and actor. His representative works include your legend and Writing Poems for You.

Jin Canrong: The United States may not dare to risk military intervention in the Taiwan Strait.

Recently, the United States has frequently provoked China on the Taiwan Province issue. US President Biden said that the United States will "defend Taiwan Province", US Secretary of State Blinken issued a statement "supporting Taiwan Province’s meaningful participation in the United Nations system", and the United States also invited Taiwan Province to participate in the so-called "Global Democracy Summit".The signal from the United States not only fuels the ambition of the Democratic Progressive Party authorities, but also makes the Taiwan Strait issue constantly controversial and discussed in the international community.
Why does the United States play the "Taiwan Province card" frequently? Will the United States intervene militarily in Taiwan Province? Why does Japan always make inappropriate remarks on the Taiwan Province issue? Is it a dead end for Democratic Progressive Party to "rely on the United States for independence"? Recently, Jin Canrong, a professor at China Renmin University, accepted an exclusive interview with a reporter from the People’s Political Consultative Conference.

Why is the United States keen on the "Taiwan Province brand"?

Reporter: Why does the United States always waver in its China policy?
Jin CanrongWithin the US government, the attitude towards China is not uniform. Biden’s team is divided into two factions: one represented by importers from Wall Street and the United States, and the other represented by the military-industrial complex. One faction, represented by importers from Wall Street and the United States, has gained great benefits in economic cooperation with China, so they hope that China and the United States can ease tensions and strengthen cooperation; The military-industrial complex has gained $768 billion in defense budget and a large number of military orders by advocating the "China threat theory", and "confronting China" has become the wealth password of the military-industrial complex.
As president, Biden’s political authority is not enough, so he can’t fully control the team. Therefore, the US policy toward China has two sides: on the one hand, events such as Meng Wanzhou’s return to China and the US’s plan to re-exempt some China’s imports from tariffs reveal the signal of easing relations between the two countries; On the other hand, the US Department of Commerce blacklisted a large number of China entities, constantly moved around Xinjiang-related issues, and frequently provoked the Taiwan Province issue, which reflected the tension between China and the United States.
Reporter: What is the value of Taiwan Province to the United States?
Jin CanrongThe United States believes that Taiwan Province has four values. First, strategic value. Taiwan Province is located at the core of the first island chain, and the United States believes that controlling Taiwan Province is the key factor to block China’s military power and curb the rise of China. Second, the alliance value. The United States has an alliance system, with 58 allied countries signing up, in addition to areas like Taiwan Province. The United States is a little worried that if Taiwan Province returns to the motherland, its prestige in the alliance system will decline. Third, economic value. For example, TSMC’s position in the global supply chain is very important and has certain economic value. Fourth, the model value. The United States hopes to use Taiwan Province as a model of "American democracy" and influence the political development of the mainland.
Reporter: Will the United States intervene in Taiwan Province through military means?
Jin CanrongThere are three schools of opinion in the United States on whether to intervene in Taiwan Province through military means:
The first faction clearly wants to intervene. This view is mainly held by the Republican right wing and individual senior military officials, with a small number.
The second faction thinks that Taiwan Province should be "sold" at a good price. Their main point is to make a deal with Chinese mainland in time and "sell" Taiwan Province to China when the comprehensive national strength of the United States is stronger than that of China and it also has great influence on Taiwan Province.
The third faction turned Taiwan Province into a "poisonous frog" and raised the cost of Chinese mainland’s reunification. The main means is not to intervene directly, but to make the "Taiwan independence" elements very powerful, leading to a dilemma for the mainland. There are many supporters of this faction. According to the report "The Poison Frog Strategy" issued by the Center for New American Security (CNAS), an American think tank, assuming that the mainland "attacks Taiwan by force", the United States "has almost no" reliable options to deal with it. Therefore, it is the best way to stop Chinese mainland before it acts. The US and Taiwan authorities should immediately start multilateral coordination and establish a "credible deterrent force".
I infer that the United States will not intervene in the Taiwan Province issue by military means, because almost half of the GDP of the United States at this stage is supported by financial-related industries. The most important thing in the financial industry is credit, and the GDP of the United States is based on the credit that the United States is the world’s number one power. At present, the US military is not sure about fighting the China People’s Liberation Army. If the military action fails, it will directly shake the credibility of the United States. This is not a matter of interest for the United States, but a matter of life and death, so the United States will not take this risk.

Why does the Japanese always want to intervene in the Taiwan Province issue?

Reporter: The "poison frog strategy" of the United States points out that the cooperation between the United States and Japan on the Taiwan Province issue is very important. Why does Japan also like to play the "Taiwan Province card"?
Jin CanrongTaiwan Province is far more important to Japan than Taiwan Province is to the United States. Taiwan Province is valuable to the United States, but this value is limited. For Japan, the change of the situation in the Taiwan Strait may be related to the life and death of the whole country of Japan.
As an island country with very limited resources, Japan is highly dependent on foreign trade. The Taiwan Province Strait is just one of the most important shipping lanes in Japan. If the two sides are unified and the Taiwan Province Strait becomes the internal sea of China, it will be equivalent to choking Japan’s foreign trade.
In addition, historically, Japan occupied Taiwan Province for 50 years after treaty of shimonoseki. During its occupation of Taiwan Province, on the one hand, it carried out a lot of de-China education, constantly slandering China culture and Chinese, which has influenced many Taiwan Province people to this day. On the other hand, the Japanese government also consciously arranged for a group of Japanese to immigrate to Taiwan Province. These people are also the backbone of today’s "Taiwan independence" forces, calling themselves "the backbone and soul of Taiwan". Conceptually, they feel that although they were born in Taiwan Province, they are Japanese in spirit and have close contacts with Japan.
The dual influence of interests and historical reasons makes Japan pay more attention to the Taiwan Province issue than the United States, and often makes some inappropriate remarks about it.
Reporter: Does it mean that Japan is also a big threat on the Taiwan Province issue?
Jin CanrongMy point is that we can criticize some inappropriate remarks made by Japan, but we don’t need to be overly nervous, because Japan is powerless to deal with the Taiwan Province issue, and militarily, Japan does not have complete combat capability.
With the development of Internet, the current war form has moved from "land, sea and air" to "sky grid" and from limited space to infinite space. In the infinite space, it is China, Russia and the United States that really have complete combat capability, and other countries do not have this capability. Although Japan has dozens of satellites, it cannot form a complete combat system. If Japan wants to fight, it must rely on the help of the United States. Therefore, whether or not Japan will take action on the Taiwan Province issue depends entirely on the United States, not on itself.

民进党“倚美谋独”是死路一条

记者:民进党当局强调美方“对台承诺”和反对“单方面改变现状”,并再次鼓噪所谓“四个坚持”,原因何在?
Jin Canrong:现在的民进党当局心里很焦虑。台湾问题是一个“两国三方”游戏,“两国”是中国和美国,“三方”是中国大陆、中国台湾、美国。近年来,中国大陆主导台湾问题的能力明显上升,民进党很清楚单靠自己的力量无法改变现状,所以要尽可能地迎合美国,反复提醒美国“以台制华”。
记者:民进党为何热衷炒作“台独”话题?
Jin Canrong:民进党一直以来都坚持拒绝放弃“台独党纲”,拒绝承认“九二共识”,导致两岸关系出现僵局。民进党炒作“台独”话题主要有以下几个原因:第一是选举利益,第二是意识形态,第三是国际势力的操纵。选举利益上,通过煽动“台独”主张,民进党可以获得更多选票;意识形态上,“让台湾独立”已经成了民进党骨干分子的人生理想;国际势力上,民进党的很多高层都是接受过美国训练的,很容易被美国操纵。
Reporter: Is Democratic Progressive Party using the people of Taiwan Province as "hostages"?
Jin CanrongChinese mainland has always been very concerned about the people of Taiwan Province, and this concern was exploited by Democratic Progressive Party. Democratic Progressive Party’s current behavior is to kidnap the whole people of Taiwan Province as hostages, so that Chinese mainland can get the boat. Among the people in Taiwan Province, the proportion of truly determined "Taiwan independence" elements is not high, but under the long-term propaganda of Democratic Progressive Party, two-thirds of the people in Taiwan Province have begun to be "green", and these "green" people in Taiwan Province are still important sons and daughters of China to the central government of China, and they need to win the hearts of the people.
Therefore, we have been communicating with the people of Taiwan Province to win their hearts and minds. Although cross-strait relations seem tense at present, even a little military confrontation, cross-strait exchange activities have been held all the time, because we are willing to strive for the prospect of peaceful reunification with the greatest sincerity and efforts.
Source: People’s Political Consultative Conference Daily (05th edition, January 8, 2022)
Media reporter:Guo Siqi is Lin Hui.
Editor: Gao Yang
New Media Editor: Xue Jing
Reporting/feedback

The market is dynamic and dynamic (big data observation)

  Core reading

  In recent years, under the background of the deepening reform of the commercial system, the number of market players in China has been rising steadily, and the speed of newly established enterprises has obviously accelerated. China’s market entities have been less than 500,000 at the beginning of reform and opening up, and by the end of November 2018, there were 109 million market entities in China. Especially in the past five years, the total number of various market players in China has increased by more than 70%.

  516 times

  The growth of individual industrial and commercial households in China in the past 40 years

  "At the beginning, it was a small watch repair booth, and there was a movable tin room that was my workshop. Now it has developed into a 30-square-meter watch shop that integrates watch repair and watch sales. "

  — — Li Xianfang, the owner of the watch repair shop

  In Xigong, Taiyuan City, Shanxi Province, there is a "Fangfang Watch Repair Shop" that has been in business for more than 30 years. The owner Li Xianfang left Fenji May 7th Factory in 1981 and later opened this watch repair shop to engage in self-employment. "At the beginning, it was a small watch repair booth, and there was a movable tin room that was my workshop. Now it has developed into a 30-square-meter watch shop, which integrates repairing and selling watches. I plan to open another branch this year. " Li Xianfang said.

  In fact, it’s not easy for Li Xianfang to start her own business. She suffered from polio, and she didn’t continue her studies after graduating from a disabled high school. However, the market economy has given everyone the opportunity to stand on their own feet. "It is this watch shop that makes me feel that I am still ‘ Useful ’ It is the market economy that has enabled me to find confidence through honest management. " Li Xianfang said.

  Individual industrial and commercial households, such as Fangfang Watch Repair Shop, are the most microscopic and numerous members in China’s market. According to Zhang Jiurong, deputy secretary-general of the China Association of Self-employed Workers, the number of individual industrial and commercial households in China increased from 140,000 in 1978 to 72,374,500 at the end of November 2018, an increase of 516 times.

  According to the relevant person in charge of the State Administration of Markets, since the reform of the commercial system, there have been frequent measures to simplify administration and decentralize power. On December 1, 2016, the "two certificates integration" of business license and tax registration certificate for individual industrial and commercial households was fully implemented nationwide. Citizens only need to fill in "a form" and submit "a set of materials" to "a window" to handle the industrial and commercial and tax registration of individual industrial and commercial households.

  31.0537 million households

  Number of registered private enterprises in China

  "The experience of starting a business for so many years has made me more convinced that people who are poor can’t be poor in thinking, and they must work hard if they have ideas."

  — — Supermarket owner Ma Yulin

  "The environment for running a business is getting better and better." Ma Yulin, who has been starting a business, said with emotion: "It’s getting easier and easier to find a government service. In the past, I ran several units for a business license, but now I go to the government affairs hall for one-stop solution."

  In 2001, after graduating from Qinghai University, Ma Yulin went to Shanghai to open a "Qinghai specialty store". Six years later, he returned to his hometown of Tongren County, Huangnan Tibetan Autonomous Prefecture, Qinghai Province to open the "Huangnan Gufeng Aquatic Products Distribution Department". Two years later, he founded the "Tongren Regong Shopping Center". After nine years of development, it has become a local model supermarket with a business area of more than 1,000 square meters, integrating grain and oil, fruits and vegetables, non-staple food, wholesale and retail of department stores and distribution.

  In 2018, Ma Yulin transferred another 10 mu of land from the countryside, intending to process and package local native products and sell them outside the province. Born in poverty, he said: "The experience of starting a business for so many years has made me more convinced that people who are poor can’t be poor in thinking, and they must work hard if they have ideas. In this era, if you work hard, you will definitely not do it in vain. "

  Since the reform and opening up 40 years ago, countless entrepreneurs with entrepreneurial spirit have emerged in China. The enterprises they founded include regional enterprises such as Tongren Regong Shopping Center, as well as world-renowned enterprises such as Huawei, Lenovo and Haier, which have done business all over the world. In 1989, after private enterprises were allowed to register, the total number was only 90,500. By the end of November 2018, there were 31,053,700 private enterprises registered nationwide, an increase of more than 340 times.

  The commercial system makes the threshold for starting a business lower and lower. The paid-in registered capital has been changed to subscription system, and reforms such as "one address with multiple photos", "one photo with multiple addresses", "business secretary" and "creating space for all" have lowered the threshold of funds and venues for setting up enterprises; The reform of "three certificates in one", "five certificates in one" and "multiple certificates in one" has greatly simplified the licenses of enterprises involved; 29 provinces have realized paperless electronic registration; The reform of "separation of licenses" has solved the problem that enterprises are not allowed to operate.

  54703 Jia

  Newly established foreign-invested enterprises in November 2018.

  "We have lived in China for 9 years and always thought that it would be particularly troublesome for foreigners to open a company in China. With the idea of giving it a try, I didn’t expect the photo-taking process to be very easy."

  — — Milla from Ukraine.

  "We have realized our dream of starting a business in China." Milla from Ukraine and her husband Sasha opened a gym in Shijingshan District in 2018. "We have lived in China for 9 years and always thought that it would be particularly troublesome for foreigners to open a company in China. With the idea of giving it a try, I didn’t expect the photo-taking process to be very easy." Milla said.

  Sasha used to be a fitness instructor in a fitness club in Hewan Street. With more and more students, he came up with the idea of starting his own fitness company. "The staff in the service hall instructed us how to apply online, submit materials, file with the Commercial Committee and other procedures, and got the business license and seal two days after completing the materials." Sasha said.

  From this Ukrainian gym to Siemens in Germany and Samsung in South Korea, foreign-invested enterprises have always been an important part of more than 100 million market players in China. According to the National Bureau of Statistics, by the end of 2017, there were nearly 540,000 registered foreign-invested enterprises. In 2017, China was the second largest foreign capital inflow country in the world, and since 1993, the scale of utilizing foreign capital has ranked first among developing countries. According to the latest data from the Ministry of Commerce, 1-mdash in 2018; In November, 54,703 foreign-invested enterprises were newly established nationwide, up 77.5% year-on-year, and the number of newly-added foreign-invested enterprises increased significantly.

  According to the latest Business Environment Report for 2019 released by the World Bank, China’s business environment rose 32 places in the global ranking, jumping from 78th in the previous period to 46th.

  The optimization of the business environment allows foreign-funded enterprises to "get in", clear regulatory obstacles, integrate customs clearance, paperless customs clearance for automatic import licenses and other innovative measures, so that foreign-funded enterprises can "run faster" in the China market. In the future, China’s business environment will be further optimized, and more foreign investors are welcome to invest in China. The door to China’s opening will never be closed.

Attention parents! The college entrance examination is just around the corner. Have these dietary taboos been committed by children?

  BEIJING, Beijing, May 31 (Reporter Zhang Ni) There is still one week before the college entrance examination, and both candidates and parents have entered the "final sprint" stage. In order to do a good job in logistics support and let children get good grades, many parents make great efforts to "eat", but at the same time they also face many dietary misunderstandings.

  How to match three meals for children before the college entrance examination? What foods can’t be eaten indiscriminately? What should I pay attention to on the day of the exam? In response to the above-mentioned series of questions, the reporter of Zhongxin. com recently interviewed nutrition experts.

  Taboo 1: Eat too much for three meals.

  As the college entrance examination approaches, many parents want to find ways to cook something delicious for their children, especially like to let their children eat more meat. However, in the opinion of nutrition experts, eating too much is not good for children.

  Cai Jingjing, the nutritionist in charge of the Clinical Nutrition Department of Peking University People’s Hospital, said in an interview with Zhongxin.com that the weather is hot near the college entrance examination, so parents should try not to give their children too much for three meals, especially not to make up for the big fish. Because the weather is dry, candidates may have nosebleeds, colds and fever after eating too much.

  In addition, eating too much at three meals is not conducive to digestion and concentrating on learning. It is not conducive to children’s health and improving learning efficiency to sit back at the desk immediately after eating.

  She suggested that parents should pay attention to the proportion of children’s three meals before the exam. The diet should still be based on fruits and vegetables, and at the same time, we should eat enough staple food. In addition, there must be meat, eggs and milk, but the proportion of such foods in three meals should be the least, and no matter how nutritious, you can’t eat too much.

  Taboo 2: indiscriminate use of supplements and health products

  Apart from liking to cook more fish and meat for their children, in recent years, many parents are keen to buy various "supplements" and "health products" for their children, hoping to help them nourish their brains and nutrition. Are these practices necessary?

  In this regard, Cai Jingjing believes that normal healthy people can get all kinds of nutrients they need from their daily diet if their diet is scientific and reasonable, and "supplements" and "health products" should be taken with caution.

  "Especially some medicinal supplements, must be used with caution. Because everyone’s physique is different, not everyone is suitable for eating, which may be counterproductive. " She stressed.

  Cai Jingjing told reporters that some candidates may be overly nervous before the exam, so the body’s metabolism is also in a state of stress, and the absorption and utilization of many nutrients are different from peacetime. In this state, taking health care products may make the body unable to digest and absorb, and even become a metabolic burden, which has side effects.

  Taboo 3: Eating too late before going to bed.

  Adequate and high-quality sleep at night is helpful for candidates to study for the exam the next day. So, how can we ensure a good night’s sleep? What should I pay attention to in my diet?

  "If you want to sleep well at night, don’t eat too much for dinner." Cai Jingjing explained that if you eat too much before going to bed, it will easily affect the quality of sleep.

  She suggested that under normal circumstances, try not to eat anything after 7: 00 or 8: 00 pm. If you need to stay up late to add meals, don’t eat at least one hour before going to bed.

  She analyzed that the human body is generally in a state of deep sleep from eleven o’clock in the evening to two or three o’clock in the morning, so it is recommended to go to bed at ten o’clock to ensure that it is in a state of deep sleep in the middle of the night, which is conducive to the recovery of all organs of the body, including the brain and liver and kidney functions.

  "If you stay up late, then maybe people lie down and fall asleep, but the organs don’t sleep well, especially after eating before going to bed, then the organs still need to work to digest these foods after falling asleep, so it is not recommended to eat too late." Cai Jingjing told reporters that if some candidates need to drink milk to help them sleep, they should also drink it one hour before going to bed at the latest.

  Taboo 4: Eat breakfast badly on the day of the exam.

  Because the college entrance examination takes a long time, experts suggest that you should try to choose "anti-hunger" food for breakfast on the day of the exam. If you don’t eat enough food for breakfast, it may affect the state of candidates.

  "Breakfast should have protein’s intake. You can choose foods such as eggs and milk, otherwise you may not be able to stick to the exam all morning." Cai Jingjing said.

  In addition, for some candidates who are too nervous to affect their appetite, she suggested that parents can prepare egg custard, yogurt and other foods for candidates to promote the digestion and absorption of nutrients. However, if the examinee’s stomach does not adapt to the cold food, he should also carefully choose yogurt food. Parents should take into account their children’s usual eating habits and physique when preparing breakfast.

  Taboo 5: Too nervous and anxious.

  In addition to establishing a scientific and regular diet, in the opinion of experts, candidates should pay more attention to the adjustment of their mentality before the exam to overcome their nervousness and anxiety.

  "Too nervous emotions will affect the digestive function of the human body, and there will be situations such as inability to eat, and immunity may also decline, which will affect the physical state of candidates." Cai Jingjing said.

  She stressed that candidates should try their best to adjust their mentality when preparing for the exam in the near future, and at the same time pay attention to the combination of work and rest. After reviewing, they should do some physical exercise and relax. On the other hand, parents should not be overly nervous about the college entrance examination, which will pass on the tension and anxiety to their children.

  "It is the best preparation to deal with it with a normal heart and form a regular biological clock and eating habits." Cai Jingjing said.

A real estate enterprise in Chongqing was blocked and declared bankrupt: the jury rejected the intention of investors to lead the dispute

A bankruptcy case involving nearly 3,800 buyers and more than 300 creditors caused a storm: the only investor with reorganization intention supported by most creditors and debtors was "kicked out" by the "review committee" by secret ballot.

The judging meeting site. Photo courtesy of respondents

The incident originated from Chongqing Tianxianhu Real Estate Co., Ltd. (hereinafter referred to as Tianxianhu Company) being filed for bankruptcy liquidation by a creditor. After the relevant documents of Chongqing municipal government explicitly supported the bankruptcy reorganization of Tianxianhu Company, the Wanzhou District People’s Court of Chongqing agreed that the bankruptcy administrator Daxin Certified Public Accountants Chongqing Branch (hereinafter referred to as the administrator or Chongqing Daxin Firm) would recruit and reorganize investors.

In the recruitment process, Chongqing Lancheng Lanyue Construction Project Management Co., Ltd. (hereinafter referred to as "Lancheng Lanyue Company") became the only intended investor and submitted the reorganization investment plan to the manager. On November 3, 2020, the jury set up by the administrator voted on the reorganization plan submitted by Lancheng Lanyue Company, and more than half of the votes were "No", so Lancheng Lanyue Company failed to become a formal investor.

Civil Ruling made by Wanzhou District Court (part). WeChat public map of Tianxianhu real estate bankruptcy information publicity platform

However, several creditors of Tianxianhu Company filed written objections, saying that the Wanzhou District Court agreed that the review committee set up by the administrator was not a statutory body stipulated in the Enterprise Bankruptcy Law, nor was it authorized by the creditors, so it could not make a decision on behalf of the creditors, and some judges reflected that it was coerced to vote, so the review results had no legal effect and could not be used as the basis for ruling liquidation.

In this regard, the administrator made a "reply" on November 19, 2020, saying that the selection of the evaluation Committee members was determined by the administrator after absorbing the debtor’s views and suggestions, and the people’s court supervised and examined the suitability of the nominees. This review is to evaluate whether the intended investor can become a reorganization investor, not to decide whether Tianxianhu Company will be reorganized, nor to vote on the draft reorganization plan.

Although the administrator said in the Reply that "(review) is not to decide whether Tianxianhu Company is reorganized", based on the above review results, Wanzhou District Court made a civil ruling on December 14, 2020, arguing that Tianxianhu Company was insolvent and declared Tianxianhu Company bankrupt.

Xie Yong, chairman of the creditors’ meeting of Tianxianhu Company, said that Tianxianhu Company has nearly 2 million square meters of undeveloped land, which has the value of reorganization. However, if Tianxianhu Company is declared bankrupt, creditors will suffer huge losses. Recently, the creditors of Tianxianhu Company refused to accept the bankruptcy ruling made by Wanzhou District Court and applied to Chongqing No.2 Intermediate People’s Court for supervision.

Expert argumentation opinion (part). Photo courtesy of respondents

Unfinished property, bankruptcy and reorganization of developers

According to the national enterprise credit information publicity system, Tianxianhu Company was established in Wanzhou District of Chongqing in 2004 with a registered capital of 300 million yuan and its business scope is real estate development. Investment, operation and management of water environment comprehensive management project in Zhuxi River Basin.

According to the relevant person in charge of Tianxianhu Company, the company is the core enterprise of Chongqing Yinxing Zhiye (Group) Co., Ltd. (hereinafter referred to as Yinxing Group), a local veteran housing enterprise in Chongqing. Influenced by many internal and external factors, Tianxianhu Company is in trouble. More than 1,400 households in the "Gold Coast" community developed by the company in Wanzhou have not yet been handed over, and more than 2,300 households are in the process of applying for real estate licenses.

In December 2018, Wanzhou District Court accepted the application of creditors of the company for bankruptcy liquidation of Tianxianhu Company. After being appointed by Chongqing Higher People’s Court, Chongqing Daxin Office became the bankruptcy administrator of Tianxianhu Company. In October 2019, Wanzhou District Court appointed Xie Yong as the chairman of the creditors’ meeting. In the same month, the shareholders of Tianxianhu Company applied to Wanzhou District Court to convert the bankruptcy liquidation procedure of the company into bankruptcy reorganization.

The announcement of Chongqing Tianxianhu Real Estate Co., Ltd. (hereinafter referred to as the "Announcement of Recruitment") issued by the administrator in May 2020 shows that after the administrator’s investigation of the debtor’s historical operating conditions, assets and creditor’s rights and debts, it is believed that the operating value of the debtor’s assets can only be realized under the condition of introducing investors, and the debtor has the greatest possibility of restructuring. In order to safeguard the legitimate rights and interests of creditors and debtors and realize the effective integration of resources, the Wanzhou District Court agreed to carry out the intentional investor.

The only intended investor was rejected by the jury by secret ballot.

After paying a deposit of 20 million yuan, Lancheng Lanyue Company became the only intended investor who entered the fourth stage of the recruitment process and submitted a letter of intent and the Reorganization Investment Plan of Chongqing Tianxianhu Real Estate Co., Ltd. (hereinafter referred to as the "Investment Plan") to the manager.

According to the Investment Plan, Lancheng Lanyue Company intends to acquire Tianxianhu Company by accepting 75% equity, and reorganize the original board of directors and management team to be fully responsible for the subsequent development and construction of the company. At the same time, it promises to give priority to ensuring that the projects that have not been handed over are handed over within one year. Xie Yong, the chairman of creditors, said that the scheme was supported by major creditors, debtors and property buyers.

On October 19, 2020, after receiving the Investment Plan, the administrator issued a notice saying: "The administrator will set up an evaluation committee under the guidance of the people’s court to evaluate the Investment Plan submitted by Lancheng Lanyue Company."

Since then, the administrator has made the Appraisal Scheme of the Prospective Investor Selection Appraisal Committee (hereinafter referred to as the Appraisal Scheme), and determined that the Appraisal Committee consists of 13 members. After the intended investors explain the Investment Plan and answer the questions of the judges, 13 judges will vote by secret ballot. If more than half of the votes are agreed, it will be passed, otherwise it will not be passed.

On November 3, 2020, the administrator presided over the review meeting. Before the meeting, Xie Yong, chairman of the creditors’ meeting, learned that some members were "intimidated" and "unable to vote according to their own wishes". At the meeting, Xie Yong submitted a statement saying that the review committee had no legal authority and could not take the place of creditors to "decide the life and death of prospective investors", and some members were coerced, unable to guarantee the fairness of the voting results, and requested to terminate the review and hand over the decision to all creditors’ meetings for resolution.

After a short recess, the administrator did not adopt this request and continued to vote by 13 judges. The voting results on that day were: 5 votes for "Agree" and 8 votes for "Disagree".

A week later, the administrator announced the voting result: "After legal review, the review committee did not agree that Lancheng Lanyue Company would become a formal reorganization investor."

The court declared Tianxianhu Company bankrupt according to the evaluation results.

This evaluation result attracted the dissatisfaction of some creditors, some employees and prospective investors of Tianxianhu Company.

A number of creditors claimed that from the Announcement of Recruitment to the convening of the review meeting, there was no communication between the administrator and the creditors on the establishment, authorization, personnel composition, authority and other details of the "review Committee", and no written documents were issued.

In this regard, the reply made by the administrator on November 19, 2020 stated that the selection of the investor review committee of Tianxianhu Company was determined after the administrator nominated the debtor’s views and suggestions, and the people’s court supervised and examined the suitability of the nominee.

The "Reply" also said that this review is a review of whether the intended investor can become a reorganization investor, not to decide whether Tianxianhu Company will be reorganized, nor to vote on the draft reorganization plan.

Regarding the content of the Reply, the creditors of Tianxianhu Company raised a written objection that the creditors’ meeting is the highest decision-making body in the Enterprise Bankruptcy Law, but most creditors didn’t know that the review meeting was held until the review results were announced. The administrator’s "Reply" also admitted that the creditor’s authorization was not obtained.

Although the administrator once said in the aforementioned written reply that "(review) is not to decide whether Tianxianhu Company is reorganized", based on the aforementioned review results, Wanzhou District Court made a civil ruling on December 14, 2020, declaring Tianxianhu Company bankrupt.

According to the ruling, the court found that on March 31, 2020, the administrator issued an inventory report on the debtor’s property status. As of April 30, 2019, the debtor’s total assets were 3.57 billion yuan, the total liabilities were 3.914 billion yuan, and the asset-liability ratio was 109.63%, which was insolvent. With the consent of the institute, the administrator issued the Announcement of Recruitment, which made it clear that the determination of the intended investors of Tianxianhu Company as reorganization investors must be reviewed by a specially established review committee. On November 3, 2020, Lancheng Lanyue Company failed to pass the evaluation of the intended investors as reorganization investors. The Wanzhou District Court held that Tianxianhu Company, as an enterprise legal person, could not pay off the debts due, and its assets were not enough to pay off all the debts. The ruling declared Tianxianhu Company bankrupt.

Xie Yong, chairman of the creditors’ meeting of Tianxianhu Company, said that the relevant documents of Chongqing Municipal Government and Wanzhou District Government (Wanzhou Government Letter [2020] No.36) clearly support the legal reorganization of Tianxianhu Company, and the company has nearly 2 million square meters of undeveloped land, which obviously has the value of reorganization, but if Tianxianhu Company is declared bankrupt, it will make creditors suffer huge losses. Therefore, the creditors of Tianxianhu Company recently applied to Chongqing No.2 Intermediate People’s Court for supervision.

On April 16th, Chen Huamao, the relevant person in charge of Chongqing Daxin Office, told The Paper that the announcement by the administrator to recruit intended investors did not mean the completion of the bankruptcy liquidation to bankruptcy reorganization. "There is also a review process, and only after the review (the court) will the liquidation be reorganized."

Expert: "Deliberating" non-"resolutions"

In response to this matter, Xie Yong, chairman of the creditors’ meeting, some creditors and debtors entrusted relevant experts from Southwest University of Political Science and Law to make an Expert Demonstration Opinion.

The submission points out that the review committee is not a clear statutory body in the Enterprise Bankruptcy Law, nor does it have the statutory authority to make decisions and reorganize investors. The rights of the evaluation committee come from the entrustment of the bankruptcy administrator, and its scope of rights should be limited to the evaluation of investors’ economic strength, investment value and other matters and give professional advice according to the Recruitment Announcement, rather than simply voting against investors and their Investment Plan.

Experts believe that the question of whether investors are qualified is a key issue that substantially affects the smooth implementation of the debtor’s enterprise reorganization, and it is also a decisive issue that whether the overall interests of creditors can be maximized and whether the proportion of compensation can be improved. Therefore, the review of the Investment Plan submitted by the sole intended investor should belong to the deliberation of the review committee rather than the resolution. Therefore, the review committee has no right to exercise the veto power on behalf of the debtor’s enterprises and creditors, and the voting conclusion of the review committee should not constitute a legal obstacle to the start of the reorganization procedure.

Experts also believe that the reorganization of the investor selection mechanism must first solve the problem of who chooses, the bankruptcy procedure is centered on creditors, and the investor’s right to choose should be exercised by creditors. In this case, the administrator directly appointed 13 members to form the evaluation Committee as the subject of the right to choose. From the structure of the Committee, it can not fully express the interests of debtors and all creditors, nor can it guarantee the fairness and justice of the selection process. The selection rules formulated by the administrator and the failure to perform due diligence in the process of selecting investors.

Samsung Galaxy Z Fold5 comprehensively evaluates what new tricks can the folding pioneers have?


mobile.zol.com.cn
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https://mobile.zol.com.cn/827/8275768.html
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As a new form of new technology, folding screen mobile phone is undoubtedly the "small fresh meat" in this category of mobile phone. Looking back carefully, I can even remember the excitement and surprise of seeing the folding screen mobile phone for the first time. However, from the time point of view, the folding screen mobile phone has gone through five years since its birth, and it tends to be stable in durability, performance, experience and other aspects, and has become the flagship product of mainstream mobile phone brands. …

Personal payment accounts are divided into three types of management.

On December 28th, the central bank promulgated the Administrative Measures for Online Payment Services of Non-bank Payment Institutions, which divided personal online payment accounts into three categories based on the idea that small payment is more convenient and large payment is more secure, and the transaction limit of each category using the balance of payment accounts is different. Class I accounts are mainly suitable for customers to make small and temporary payments. In order to give consideration to convenience and security, the transaction limit of Class I accounts is relatively low, but payment institutions can upgrade Class I accounts to Class II or III accounts by strengthening customer identity verification, so as to increase the transaction limit.

On December 28th, the People’s Bank of China promulgated the Administrative Measures for Online Payment Services of Non-bank Payment Institutions, which came into effect on July 1st, 2016. The relevant person in charge of the central bank answered the reporter’s question.

Small payment emphasizes convenience, while large payment emphasizes safety.

Q: What are the regulatory ideas and main regulatory measures of the measures introduced this time?

A: The People’s Bank of China has established the regulatory thinking of adhering to the real-name registration system of payment accounts, balancing the safety and efficiency of payment business, protecting consumers’ rights and interests and promoting payment innovation. The main measures include:

The first is to clearly define the positioning of payment institutions. Adhere to the principle of small convenience and service for e-commerce, and effectively isolate cross-market risks. Second, insist on paying the account real-name registration system. This is also the basis of anti-money laundering, anti-terrorist financing and curbing illegal and criminal activities. In view of the characteristics of online payment without face-to-face account opening, the regulatory requirements for payment institutions to identify customer identity information through external multi-channel cross-verification are strengthened. The third is to give consideration to payment security and efficiency. Based on the management idea that small payment is more convenient and large payment is more secure, according to the different security levels of transaction verification, the transaction limit for using the balance of payment account is arranged accordingly, so as to guide payment institutions to adopt security verification means to ensure the safety of customers’ funds. The fourth is to highlight the protection of the legitimate rights and interests of individual consumers. Guide payment institutions to establish a sound risk control mechanism, improve customer rights protection mechanisms such as customer loss compensation and error dispute handling, and effectively reduce the risk of online payment services.

The fifth is to implement classified supervision to promote innovation. Implement differentiated management of payment institutions and their related businesses, and guide and promote payment institutions to carry out technological innovation, process innovation and service innovation on the premise of meeting basic conditions and substantive compliance.

Payment accounts are obviously different from bank accounts.

Q: What is the difference between the payment account mentioned in the Administrative Measures and the bank account?

A: The payment account was originally opened by the payment institution to facilitate customers’ online payment and solve the low trust between buyers and sellers in e-commerce transactions, which is obviously different from the bank account.

First, the subjects providing account services are different. Payment accounts are opened by payment institutions for customers, which are mainly used for payment settlement of e-commerce transactions. Bank accounts are opened by banking financial institutions for customers, and the account funds are used not only for payment and settlement, but also for the purpose of maintaining and increasing value.

Second, the nature and guarantee mechanism of account fund balance are different. The balance of the payment account is similar to the balance in the prepaid card, which is deposited in the bank by the payment institution in its own name and actually controlled by the payment institution. This balance is not protected by the deposit insurance regulations. Once the payment institution has operational risk or credit risk, it may cause customers to suffer property losses.

Personal payment accounts are divided into three categories.

Q: How to manage personal online payment accounts?

A: The classification of payment accounts, taking into account the safety and efficiency of payment, can meet the diversified needs of different customers and show respect for customers’ right to choose.

Methods Individual payment accounts are divided into three categories. Among them, Class I accounts only need an external channel to verify the customer’s identity information (for example, online verification of resident identity card information), and the account balance can be used for consumption and transfer, which is mainly suitable for small and temporary payment of customers, and the identity verification is simple and fast. In order to give consideration to convenience and security, the transaction limit of Class I accounts is relatively low (the balance payment limit is the accumulated 1000 yuan since the account was opened), but payment institutions can upgrade Class I accounts to Class II or III accounts by strengthening customer identity verification, so as to increase the transaction limit.

Class II and III accounts have relatively high real-name verification intensity, which can prevent the problems of pseudonyms and anonymous payment accounts to a certain extent, and prevent criminals from opening payment accounts and committing crimes by using other people’s identities, so they have high transaction limits (the balance payment limit is 100,000 yuan and 200,000 yuan annually). In view of the high risk level of investment and wealth management business, the measures stipulate that only Class III accounts with the highest real-name verification intensity can use the balance to purchase financial products such as investment and wealth management to ensure the safety of customers’ funds.

Customers are not subject to the limit for fast payment of bank cards.

Q: Will the transaction limit of payment account affect the convenience?

A: Online payment should always adhere to the purpose of providing small, fast and convenient micro-payment services for the society. The annual cumulative limit of Class II and Class III personal payment accounts is 100,000 yuan and 200,000 yuan, which can meet the needs of most customers to use the "balance" of payment accounts for payment. For a very small number of consumers, or the occasional large payment by consumers, it can be completed through the combination of payment account balance payment, bank card fast payment, bank gateway payment and so on. Considering that the strength of customer identity verification in the opening process of Class I personal payment account is weak, a lower limit is set for its "balance" payment transaction.

At the same time, in order to guide payment institutions to improve the security of transaction verification methods, the measures stipulate that for the "balance" payment transactions of payment accounts with high security level of transaction verification, payment institutions can independently agree with customers on a single-day cumulative limit; However, for the "balance" payment transaction of the payment account with insufficient security level, the method stipulates the one-day cumulative limit. The limit of accumulating 1000 yuan and 5,000 yuan per day can effectively meet the needs of most customers to use the "balance" of their payment accounts for payment. In addition, the single-day payment limit of payment institutions with higher comprehensive rating and better implementation in real-name registration system can be increased to twice the existing limit at most.

It should be emphasized that the annual cumulative limit of 100,000 yuan and 200,000 yuan, as well as the single-day cumulative limit of 5,000 yuan in 1000 yuan, are only for individual payment account "balance" payment transactions. Customers make bank gateway payment and bank card express payment through payment institutions, and the annual cumulative limit and one-day cumulative limit are independently agreed by payment institutions, banks and customers according to relevant regulations, and are not subject to the above limits. (Reporter Chen Guojing)

Guangxi Baise: You can’t drive up prices and raise prices at will! Being warned that it has not been rectified will be strictly investigated according to law.

  Guangxi Baise Municipal Market Supervision Administration issued a notice on February 7, in order to standardize the market price order during the epidemic prevention and control in 2022, safeguard the legitimate rights and interests of consumers, promote operators and relevant units to strictly abide by the price laws, regulations and policies, and prevent all kinds of price violations, we hereby remind all operators and relevant units in the city as follows:

  1. All business operators and relevant units should strictly abide by the price laws, regulations and policies such as People’s Republic of China (PRC) Price Law, Provisions on Clearly Marking Goods and Services and Provisions on Prohibiting Price Fraud, consciously enhance their sense of social responsibility, and conscientiously implement price self-discipline.

  2. All operators and relevant units should follow the pricing principles of fairness, legality, honesty and credit, and provide consumers with goods and services with qualified quality and reasonable price.

  3, the operators and relevant units should seriously regulate the commodity pricing behavior, so that the price tag, and publicity in a prominent position; It is forbidden to collude with each other, manipulate market prices, hoard, drive up prices, and spread rumors of price increases to seek illegal interests.

  4. Operators of shopping malls, supermarkets, farmers’ markets and e-commerce platforms shall fulfill their price commitments and shall not raise prices at will; It is not allowed to mislead consumers into trading by misleading pricing methods such as fictitious original price and false discount.

  5. Oil and natural gas operators (gas stations and liquefied natural gas stores) should actively organize the supply of goods to ensure market supply, and must not abuse their dominant market position to drive up prices and disrupt the price order of oil and natural gas markets.

  6. Medical institutions and pharmaceutical trading enterprises should publicize the charges and clearly mark the prices according to the regulations, publicize the charging standards of medical services and drug prices in a conspicuous position, and shall not arbitrarily raise prices or charge fees in violation of regulations.

  All operators and relevant units should attach great importance to it and comprehensively rectify their own irregular price behaviors. Those who have not been rectified after being warned will be severely punished according to law, and typical cases will be publicly exposed through the news media. Consumers and all sectors of society are welcome to supervise the price behaviors of relevant operators and units. If price violations are found, please keep relevant evidence and call the consumer complaint telephone number 12315 or 12345 to make a complaint and report in time. (Headquarters reporter Liao Wei, Liu Chang, Ryson Ho)

The Central Meteorological Observatory continued to issue an orange warning of blizzard at 18: 00 on November 16.

CCTV News:According to the website of the Central Meteorological Observatory, the Central Meteorological Observatory continued to issue an orange warning of blizzard at 18: 00 on November 16.

It is estimated that from 20: 00 on November 16 to 20: 00 on November 18, there will be heavy snowstorms in parts of eastern Heilongjiang and eastern Jilin, and there will be heavy snowstorms in eastern Heilongjiang. The newly added snow depth in these areas is 10 ~ 15 cm, and the local area is more than 20 cm. The main snowfall period is from the night of 16th to 17th.

It is estimated that from 20: 00 on November 16 to 20: 00 on November 17, there will be heavy snowstorms in parts of eastern Heilongjiang and eastern Jilin, among which there will be heavy snowstorms (20 ~ 23 mm) in eastern Heilongjiang. The depth of newly added snow in some of the above areas is 5 ~ 8 cm, and the local area can reach more than 12 cm.

It is estimated that from 20: 00 on November 17 to 20: 00 on November 18, there will be heavy snowstorms in parts of eastern Heilongjiang and eastern Jilin, among which there will be heavy snowstorms (20 ~ 25mm) in eastern Heilongjiang. The depth of newly added snow in some areas mentioned above is 6 ~ 10 cm, and the local area can reach more than 15 cm.