Since the outbreak of the conflict between Russia and Ukraine, Europe has followed the United States to impose several rounds of severe sanctions on Russia. Recently, a number of foreign media reported that the spillover effects of sanctions against Russia caused high inflation in Europe and the economy continued to be under pressure. Europe is increasingly worried about the problems brought by sanctions.

　　find it difficult to advance or to retreat―be in a dilemma/plight

　　According to today’s Russian International News Agency, Uwe Schultz, a German parliamentarian, recently warned that the EU’s largest economy is facing further economic recession and "de-industrialization" due to the EU’s sanctions against Russia. Schultz issued a statement on the website of his political party, saying that economic sanctions against Russia have hit the German economy hard. Schultz said that the sanctions against Russia and the economic measures taken by the German ruling Coalition are leading Germany directly to "de-industrialization", "the economic prospect of Germany in 2023 is disappointing" and "the poor performance of the automobile industry continues to lead to a decline in manufacturing output". Stefan Wolff, president of the German Federation of Employers’ Associations in the Metal and Electrical Engineering Industry, also believes that the German economy is no longer competitive and is expected to fall into recession in the second half of this year.

　　According to preliminary data released by Eurostat on July 31, Germany’s GDP in the second quarter of this year increased by zero month-on-month, which was less than the market’s previous expectation of 0.1%. According to the latest forecast of the International Monetary Fund, the German economy will shrink by 0.3% in 2023.

　　Many European companies are also facing the negative impact of European sanctions against Russia. The Financial Times recently conducted a survey on the operating conditions of 600 large European enterprises, and the results showed that 176 of them lost more than 100 billion euros due to the reduction, sale or closure of their business in Russia. This figure does not include the losses caused by indirect factors such as rising energy prices and rising production costs caused by the Russian-Ukrainian conflict.

　　According to statistics, before the outbreak of the conflict between Russia and Ukraine, more than 1,800 large enterprises in Europe had operations in Russia, and more than half of them still continue to operate in Russia. According to the analysis, many European enterprises are in a dilemma under the influence of European sanctions against Russia: on the one hand, leaving Russia will have a direct negative impact on their own operations, on the other hand, staying in Russia will face more and more political and economic risks.

　　Since the outbreak of the conflict between Russia and Ukraine in February 2022, European countries have followed the United States to impose several rounds of sanctions on Russia. In May, the British government announced the expansion of sanctions against Russia, including punitive import tariffs on precious metals produced in Russia and export bans on certain British products. In June, the EU reached an agreement on the 11th round of sanctions against Russia, including measures aimed at cracking down on circumvention of existing sanctions. Russia retaliated against Europe by cutting fuel supply and implementing ruble settlement.

　　"The impact of sanctions against Russia on European countries is not exactly the same, and two types of countries are the most affected: first, countries that are highly dependent on Russian energy, such as Hungary and other Central and Eastern European countries; Second, countries whose industrial structure is dominated by manufacturing and energy-intensive industries, such as Germany, Italy and other European manufacturing powers. " Yan Shaohua, an associate researcher at the China-EU Relations Research Center of the Institute of International Studies of Fudan University, said in an interview with this reporter.

　　Fatal impact

　　"In recent years, the European economy has been affected by the European sovereign debt crisis ‘ Sequela ’ The continuous influence of is in a slow recovery. After the outbreak of the Russian-Ukrainian conflict, this recovery process was disrupted. The biggest impact of sanctions against Russia on European countries is to aggravate Europe ‘ De-industrialization ’ Worried. " Zhang Jian, vice president and researcher of China Institute of Contemporary International Relations, told this reporter that German, Italian and other European countries have comparative advantages in the field of high-end manufacturing, and an important basis for this advantage is cheap natural gas from Russia. Nowadays, these European countries are bearing the cost of sanctions against Russia, that is, losing cheap Russian natural gas and having to purchase more expensive energy from other countries, which has led many European manufacturing enterprises, especially energy-intensive enterprises, to face rising production costs and be forced to cut production, stop production or move their production lines outside.

　　Purchasing Managers’ Index (PMI) released by Standard & Poor’s Worldwide shows that in July, the manufacturing PMI in the euro zone dropped to 42.7, the lowest level since the outbreak of COVID-19. As a big European manufacturing country, Germany performed poorly, and its manufacturing PMI plummeted to 38.8 in July.

　　The report of the United Nations Department of Economic and Social Affairs pointed out that high energy prices weakened the competitiveness of European energy-intensive industries, resulting in the loss of market share.

　　The economic census report released by dihk this summer also shows that the fluctuation of energy and raw material prices is the biggest risk faced by German enterprises, among which 80% of energy-intensive enterprises list it as the number one risk. According to the report of "Credit Reform", a German credit agency, the number of German enterprises filing for bankruptcy in the first half of 2023 increased by 16.2% year-on-year. In addition, many enterprises plan or have begun to transfer their business to countries with relatively low energy. For example, dozens of enterprises, including Lufthansa and Siemens, are considering expanding production and increasing capital in the United States.

　　"Affected by the COVID-19 epidemic, the European economy is already facing problems such as high inflation rate, high unemployment rate and broken supply chain, and sanctions against Russia have further aggravated these problems. From the production point of view, sanctions against Russia have led to the gradual energy development in Russia and Europe ‘ Decoupling ’ It is difficult for European countries to find a suitable alternative in a short time to make up for the loss of cheap energy in Russia, which makes the manufacturing cost rise sharply. From the perspective of consumption, energy shortage leads to soaring energy prices, which will inevitably affect commodity prices in European countries, thus pushing up inflation and increasing people’s living costs. " Yan Shaohua said.

　　Some analysts pointed out that Russia is an important supplier of raw materials for high-end manufacturing in Europe. There are many links in the industrial chain of high-end manufacturing industry, and the supply chain is accurate and complex. The obstruction of the upstream link means the source fracture of the industrial chain and supply chain, which will have a fatal impact on the whole industry. Although Europe tries to avoid areas that will "jam its neck" in the process of sanctions against Russia, with Russia’s retaliatory countermeasures, Europe’s high-end manufacturing industry is in a passive position.

　　snow plus frost—exacerbate

　　Agence France-Presse reported that since the outbreak of the conflict between Russia and Ukraine, the EU has imposed unprecedented sanctions on Russia, but EU diplomats admit that the EU sanctions are close to the limit.

　　"At present, there is little room for further escalation and overweight of European sanctions against Russia. However, in the short term, sanctions will continue and there is no room for manoeuvre. In this context, Europe’s next question is how to deal with the impact of sanctions on itself. Since the energy crisis last year, Europe has been looking for ways. The European Union has introduced a series of measures, on the one hand, to find energy suppliers that can replace Russia, on the other hand, to release ‘ Green agreement industry plan ’ Accelerate energy transformation and green development. " Yan Shaohua believes that with the relevant EU policies gradually playing a role, the pressure faced by EU countries in energy this year may be eased compared with last year, but the problem has not been fundamentally solved.

　　Leonhard Birnbaum, CEO of Eon Energy Group, pointed out that the EU will change its energy structure and reduce its imports of Russian energy due to the conflict between Russia and Ukraine, and this trend will continue, so the energy crisis in Europe is far from over. "In the long run, because we can’t get cheap energy from Russian pipelines, it is expected that the price of natural gas will rise, which may be two to three times that of now." Leonhard Birnbaum said.

　　According to the preliminary statistics released by Eurostat on July 31, after zero growth in the first quarter of this year, the euro zone economy grew by 0.3% in the second quarter. Analysts pointed out that although the euro zone economy has resumed growth, the risk of stagnant growth still exists due to factors such as high inflation, weak global demand and monetary tightening policy. Among the major economies in the euro zone, Germany and Italy continue to suffer from the shrinking demand for goods due to the larger manufacturing scale.

　　"In the foreseeable future, it will be more difficult for the European economy to turn around. On the one hand, the energy security situation in Europe has not fundamentally improved, European manufactured goods have lost the Russian market, and the competitiveness of European products will continue to decline; On the other hand, the United States introduced the Inflation Reduction Act and the Chip and Science Act to attract European companies to invest in the United States, which will make the European economy worse. " According to Zhang Jian’s analysis, as the largest economy in the European Union, Germany has strong economic radiation, especially its close integration with the economies of neighboring countries. If Germany is affected by sanctions against Russia and its economic situation cannot be effectively improved, then in the next three to five years, Germany’s neighboring countries and even the entire euro zone economy will also encounter troubles, and the overall economic policy and political and social stability of the EU will be negatively affected.

　　Some analysts pointed out that high-end manufacturing is the core of European real economy and one of the main engines leading European economic growth. If it is difficult for European countries to get through the obstruction of industrial chain and supply chain, it may be difficult to maintain their leading position in high-end manufacturing in the future. By then, Europe will not only face the problem of economic recession, but also be more difficult to achieve "strategic autonomy".

CCTV News:China has been vaccinated with COVID-19 vaccine since December last year. Up to now, it has been vaccinated with COVID-19 vaccine for nearly 2.4 billion doses, and the vaccination rate of the whole population is in the leading position in the world. Clinical research results show that COVID-19 vaccine in China has good safety and effectiveness. Zheng Zhongwei, the head of the working group of vaccine research and development special class of the State Council Joint Prevention and Control Mechanism, recently responded to some hot issues about vaccination in an exclusive interview with CCTV reporters at the General Station.

At present, 13 COVID-19 vaccines have entered Phase III clinical trials in China, 4 COVID-19 vaccines have been approved for conditional marketing, and 3 COVID-19 vaccines have been approved for emergency use. Vaccine research and development and production have always been in the first phalanx in the world. At the same time, China regards the new crown vaccine as a global public product, and has provided more than 1.7 billion doses of COVID-19 vaccine to more than 110 countries and international organizations around the world.

COVID-19 vaccine in China has a significant effect on preventing severe illness and death.

A few days ago, the consultant of Chilean Ministry of Health published the world’s largest real-world study of COVID-19 vaccine for 10 million people in the New England Journal of Medicine. The results showed that the overall protection was 65.9% after 14 days of inoculation with the second dose of inactivated vaccine of Kexing Zhongwei, and the protection against hospitalization, severe illness and death was 87.5%, 90.3% and 86.3% respectively. According to the report of the Ministry of Health of Peru, 60,593 doctors were vaccinated with the inactivated COVID-19 vaccine of Sinopharm Group China, and the mortality rate after two doses of vaccination was reduced by 98%. The Argentine Ministry of Health issued a report that the overall death protection rate of people over 60 years old was 84% after being inoculated with two doses of China Bio-COVID-19 Inactivated Vaccine of Sinopharm Group.

Zheng Zhongwei, head of the working group of vaccine research and development special class of scientific research group of the State Council joint prevention and control mechanism:This judgment can also be made for some epidemic situations that occurred in China last year and this year. For example, Delta strain was the main virus strain that spread in China from Guangdong (May and June this year), from Guangdong, Jiangsu and Fujian to Inner Mongolia, Gansu and Qinghai. Although there were many outbreaks, the number of infected people and severe cases were completely different from those of last year’s Xinfadi in Beijing and Gaocheng in Shijiazhuang, Hebei. Therefore, the country has played a very important role in rapidly promoting mass vaccination from this year.

China has completed the preclinical study of inactivated Delta strain vaccine.

Real-world research shows that China’s vaccine has a clear effect on the infection caused by various main variants prevalent in different regions and the re-transmission after infection, and has a significant effect on preventing severe illness and death. Judging from the recent epidemic situation in China, the domestic vaccine is still effective against Delta strain. However, in order to be prepared, various vaccine research and development units have carried out a series of work for various mutant vaccines.

Make every effort to promote COVID-19 vaccine for the elderly.

At present, the vaccination rate of the whole population in China is leading in the world, but the vaccination rate of the elderly is relatively low, and the risk of COVID-19 infection among the elderly is much higher than that of the young. Therefore, at present, a key issue in promoting COVID-19 vaccination in China is to fully promote COVID-19 vaccination for the elderly, especially the very old.

Experts stressed that because the immune function of the elderly is relatively weak, the antibody level produced by people over 60 years old after vaccination is 18-mdash; The 59-year-old population is relatively low, and once infected, the proportion of severe and critical illness is higher. Therefore, it is strongly recommended that the elderly not only receive two doses of vaccine as soon as possible, but also strengthen immunization six months after completing the two doses of vaccination, in order to obtain better protection effect.

Inoculation with booster needle can enhance the prevention and control ability of mutant

At present, many countries have carried out the work of strengthening immunization, and China has also specially organized experts to demonstrate the strategy of strengthening immunization of vaccines in COVID-19. Studies have shown that after the third dose of inactivated vaccine is used to strengthen immunity, not only the antibody level is greatly improved, but also the ability to prevent and control various mutant strains is stronger.

Zheng Zhongwei, head of the working group of vaccine research and development special class of scientific research group of the State Council joint prevention and control mechanism:Strengthening (immunization) with the same technical route is relatively safer. After vaccination with different technical routes, the antibody level will be more improved, and some abnormal reactions and adverse reactions of the vaccinators may be higher, but this adverse reaction can be tolerated by the vaccinators.

China will launch different technical routes to strengthen immune combination.

The research shows that the same technical route and different technical routes can greatly improve the antibody level, and the safety is also clearly guaranteed. Zheng Zhongwei said that the next step will be to combine the results of clinical research, organize expert argumentation, and launch the optimal combination of enhanced immunization based on the principle of safety and effectiveness.

CCTV News:According to the person in charge of the Ministry of Agriculture and Rural Affairs, at present, China’s per capita energy, protein and fat supply have exceeded the world average, but the situation of unbalanced and insufficient nutrition is more common, which can be summarized as "more" and "less".

"Too much" means eating too much vegetable oil. At present, the per capita cooking oil in China exceeds the recommended amount of scientific diet by more than 40%. "Less" means insufficient intake of healthy foods such as milk and dairy products, soybeans and bean products. At present, the annual consumption of milk per capita in China is only one-third of the world average and one-half of the average in Asia, far below 110— The recommended dietary amount of 183 kg, the intake of soybeans and bean products is lower than the recommended amount.

Three aspects focus on promoting healthy consumption of food nutrition for residents.

The relevant person in charge of the Ministry of Agriculture and Rural Affairs said that many measures will be taken to promote the healthy consumption of food nutrition for urban and rural residents, focusing on three aspects.

Lei Liugong, Director of Market and Information Department of Ministry of Agriculture and Rural Affairs:The Ministry of Agriculture and Rural Affairs, together with relevant departments, will coordinate the construction of a healthy China and a strong agricultural country, and take a series of measures to promote healthy consumption of nutrition with the goal of meeting the needs of people’s high-quality life and population’s high-quality development.

At the production end, we will further promote variety cultivation, quality improvement, brand building and standardized production, and increase the supply of green and high-quality products by developing new healthy and nutritious foods such as soy products and cheese, so as to enrich consumers’ dining tables. In terms of supervision, we should strengthen the supervision on the quality and safety of agricultural products, fully implement the certification system for edible agricultural products, and ensure the "safety" so that consumers can eat with confidence. In addition, around the key contents such as "reducing oil and increasing beans", we will strengthen the popularization of food nutrition science, guide urban and rural residents to adjust their eating habits and food structure, so that ordinary people can choose, eat and eat healthily.

　　● A few days ago, the General Office of the State Council issued the Opinions on Further Stimulating the Potential of Culture and Tourism Consumption, and put forward specific measures from nine aspects: introducing measures to benefit the people, enriching product supply, developing night economy, improving tourism environment, promoting industrial integration, and strict market supervision.

　　● The tourism industry chain includes six aspects: eating, living, traveling, traveling, shopping and entertainment, all of which involve consumption. In the eyes of the industry, financial services can explore the combination point in all links. At the earliest, the "traditional bank+offline travel agency" model was the main one, that is, some offline large travel agencies cooperated with banks to launch staged tours.

　　● With the development of new consumption formats and new modes, consumer credit has gradually penetrated into the fields of culture and tourism. Especially with the wide application of information technology such as big data and cloud computing, the popularity of the consumer credit industry has soared, and the consumption mode of using online credit loans to purchase offline services has been sought after by more and more consumers.

　　● According to the latest statistics of the National Bureau of Culture and Tourism, in the first half of this year, the per capita consumption expenditure on education, culture and entertainment of the national residents was 1,033 yuan, an increase of 10.9% over the same period of last year, accounting for 10.0% of the per capita consumption expenditure; It is estimated that there will be 3.08 billion domestic tourists and the income will be 2.78 trillion yuan, up by 8.8% and 13.5% respectively. There were 72.69 million inbound tourists and 64.9 billion US dollars in international tourism revenue, both of which increased by 5%.

　　Our reporter Zhao Li

　　Intern Xie Huixu of our newspaper

　　A few days ago, the General Office of the State Council issued the Opinions on Further Stimulating the Potential of Culture and Tourism Consumption (hereinafter referred to as the Opinions), which put forward concrete measures from nine aspects, such as introducing measures to benefit the people, enriching the supply of products, developing the night economy, improving the tourism environment, promoting industrial integration and strict market supervision, so as to focus on both supply and demand and stimulate the potential of residents’ cultural tourism consumption.

　　The "Opinions" clearly stated that it supports the expansion of cultural and tourism consumer credit business, encourages the issuance of joint bank cards with merchant discounts and consumption stages, innovates the mortgage and pledge model of consumer credit, and develops credit products with different down payment ratios, terms and repayment methods.

　　In this regard, Qi Xiaobo, assistant director of the Tourism Research and Planning and Design Center of China Academy of Sciences, said in an interview with the reporter of Legal Daily: "The introduction of the tourism financial credit policy in the Opinions will not only provide more convenient services for residents’ daily cultural tourism consumption, but also help expand the banking financial services and financial consumption market."

　　Aim at both ends of supply and demand

　　Stimulate cultural tourism consumption

　　The new consumer finance platform has been embedded in daily consumption scenes such as tourism, and the credit consumption loans provided by banks can support consumers’ various consumption needs more flexibly.

　　Wang Yun is an account manager of a state-owned commercial bank. According to her introduction, personal credit consumption loans launched by banks can be used for cultural and tourism purposes, but strictly speaking, they cannot be used in investment fields such as purchasing wealth management products.

　　"Our consumer loan amount can be up to 800,000 yuan from 600 yuan, and the cumulative amount that can be applied for by self-service channels such as online banking, mobile banking and smart terminals is up to 300,000 yuan, and the interest rate is relatively low." Wang Wei said.

　　As an employee of an investment company, Guo Xiao told the reporter of Legal Daily that financial institutions, including banks, venture capital groups and risk control groups, have provided installment payment, credit cards, consumer credit and insurance services for tourists. Of course, under the general trend of "tourism+finance", travel-related enterprises, including OTA platforms and travel agencies, also take the initiative to connect with financial institutions, take advantage of internet finance, innovate to build a tourism financial service platform, and provide tourists with financial services for the whole tourism industry chain, such as payment and settlement services, tourism foreign exchange management, and tourism consumption staging.

　　Looking up relevant information, the reporter of Legal Daily noticed that before 2010, tourism consumption finance developed, and the first mode was "traditional bank+offline travel agency", that is, some offline large travel agencies cooperated with banks to launch the case of staged travel.

　　Regarding the background of introducing a series of policies and measures in terms of cultural and tourism consumption credit and means of payment, Qi Xiaobo said that on the one hand, the reason is that with the continuous and rapid improvement of living standards of urban and rural residents, residents’ culture and tourism consumption continue to expand. On the other hand, since the beginning of this year, the downward pressure on the economy has been great, the consumption demand of residents has slowed down, and the growth space of traditional consumption areas is limited. Stimulating cultural and tourism consumption is another market stimulating measure after the consumption policies such as automobiles and household appliances.

　　According to the latest statistics of the National Bureau of Culture and Tourism, in the first half of this year, the per capita consumption expenditure of education, culture and entertainment of the national residents was 1,033 yuan, an increase of 10.9% over the same period of last year, accounting for 10.0% of the per capita consumption expenditure; It is estimated that there will be 3.08 billion domestic tourists and the income will be 2.78 trillion yuan, up by 8.8% and 13.5% respectively. There were 72.69 million inbound tourists and 64.9 billion US dollars in international tourism revenue, both of which increased by 5%.

　　"It can be seen that there is a lot of room for cultural and tourism consumption to be released, and many new consumption patterns and product formats have also been born in the market, which is of great significance to expanding domestic demand and promoting economic transformation." Qi Xiaobo said.

　　According to Qi Xiaobo’s analysis, the General Office of the State Council issued the "Opinions" with the purpose of exerting strength from both supply and demand, constantly stimulating the cultural and tourism consumption potential, and promoting the cultural and tourism consumption facilities to be more perfect, the consumption structure to be more reasonable and the consumption environment to be more optimized. According to the data of the National Bureau of Statistics, the contribution rate of final consumption expenditure to economic growth reached 76.2% in 2018, and consumption has become the "main engine" to stimulate the economy. "The rapid development of culture and tourism consumption finance has further promoted the upgrading of consumption and improved the quality of life of residents."

　　With the development of new consumption formats and modes, consumer credit has gradually penetrated into the fields of culture and tourism. At the same time, with the application of information technology such as big data and cloud computing, the popularity of consumer credit industry has soared, and the consumption mode of using online credit loans to purchase offline services has been sought after by more consumers.

　　"The policy on tourism consumption credit in the Opinions is conducive to expanding the market for financial services and financial consumption of banks. Facing the growing middle-class consumers, joint bank cards for hotel reservation and air ticket purchase will have rich customer resources, and they have better income level and purchasing power. Once this market is activated, it will greatly stimulate cultural tourism consumption. " Dong Dengxin, director of the Institute of Financial Securities of Wuhan University of Science and Technology, said.

　　Tourism consumption finance is active.

　　Risk prevention and control needs to be strengthened

　　In 2013, the Internet finance boom led to a number of online travel platforms that entered the field of consumer finance earlier. After 2015, tourism consumer finance has attracted more attention, and many online travel platforms are rushing in.

　　Guo Xiao said that from the current users of various Internet tourism enterprises, the users of content enterprises represented by Ma Honeycomb have grown strongly, and the online usage scenarios of tourism users have gradually deepened. E-commerce platforms have transplanted the concept of consumption first and then payment to the development of tourism. For example, Huabai launched by Alibaba and JD.COM Baitiao launched by JD.COM all use their huge platform user base to guide the change of consumption concept, and then through the implantation of tourism concepts and industries, they have launched installment payment services for tourism products on their own platforms to meet the needs of tourists.

　　According to the data, at present, most online travel platforms have launched tourism staging products, and at the same time, an entrepreneurial platform focusing on tourism staging has been born.

　　"The deep integration of information technology and consumer credit business makes consumers basically not limited by the business hours and processing space of financial institutions. After users submit their identity information online, the platform can quickly complete the review and grant credit lines in time. For financial institutions, Internet consumer credit can handle small loans in batches and in a standardized way, which also helps to better prevent risks. " Dong Ximiao, vice president of Chongyang Financial Research Institute of Renmin University of China, said.

　　According to Guo Xiao, the tourism consumption financial service platform has the characteristics of low loan amount, short loan period and low borrowing cost. Take the white note business of a tourism enterprise as an example, its maximum amount is only 50,000 yuan, but it is at a medium level in related businesses, and the loan repayment period is relatively simple, with only 10 months and 3 months. From the operational level, the operation interface of the tourism consumption financial platform is simple and intuitive, with the characteristics of fast approval and fast payment.

　　Recently, according to media reports, a number of users said that they borrowed money from a well-known tourism company’s "Money Tour" and "Journey White Strip" and were charged a loan acceleration package of 199 yuan by the platform. The annual interest rate of comprehensive loans exceeded 300%. Some media found on the 21CN complaint platform that from May to July this year, there were as many as 277 complaints about this travel platform, such as "beheading" and "violent collection", and there were more than 100 similar complaints about black cats.

　　In this regard, Yin Zhentao, deputy director of the Law and Finance Office of the Institute of Finance of China Academy of Social Sciences, said: "Through this phenomenon, we found a problem, that is, technology enterprises do financial business. Many travel online platforms started with technology companies. Even in the tourism industry, they actually do Internet business as technology companies. The standards and requirements required for financial business are still relatively high. Many technology companies still have some deficiencies in risk control ability or understanding of finance, which cannot be made up in a short time. Therefore, in the early stage of industry development, similar phenomena are relatively normal. "

　　Zeng Rong, who has been engaged in the development of tourism financial products, said that due to the complex characteristics of the tourism industry, the tourism supply chain is long, there are many capital circulation links, and there are many cross-industries, it is easy to produce loopholes in capital precipitation and control. The risk control model of tourism consumer finance comes from the bank risk control model, but it needs to be further evolved in combination with the characteristics of the tourism industry. The construction and investment of tourism projects is a long-term and continuous process, and the prosperity of tourist attractions takes a long time. Therefore, the future income of tourism is very uncertain, and tourism loans are mainly pledged by the right to operate scenic spots and the right to charge tickets.

　　Regarding the risk of tourism consumption loans, Yin Zhentao thinks: "On the one hand, the tourism expenses are still relatively large. Driven by the installment of tourism loans, are the individual’s affordability and tourism demands appropriate? Nowadays, many young people travel overseas by stages and go to some countries with relatively high consumption levels, which will increase their debt pressure. How to achieve healthy guidance is worth thinking about. "

　　"On the other hand, the tourism industry is special. The consumption stages of tourism industry are usually given to tourism service providers at one time. If consumers change their itinerary or cancel their itinerary for some reason, there are obstacles and difficulties in terms of consumer protection and service. This may require enterprises and regulatory authorities to jointly create a good development space or establish feasible market rules for constraints. " Yin Zhentao said.

　　Innovating mode and strengthening supervision

　　Ensure the healthy development of the industry

　　Even if there are risks, the relationship between consumer financial services and consumption scenarios has become increasingly close. The whole industrial chain of tourism includes six aspects: eating, housing, traveling, traveling, shopping and entertainment, and all links involve consumption. In the eyes of the industry, financial services can explore the combination point in all links.

　　"such as financial needs before going out; The demand for capital guarantee, installment consumption and shopping during travel; Demand for consumption tax refund and financial management after travel. The innovative integration mechanism of tourism and finance can effectively expand the scale and dependence of tourists and users, and improve the experience of tourism consumers. " Guo Xiao said.

　　While paying close attention to the realization of traffic, many online travel platforms are turning to industrial finance in another way. An insider who once had working experience in the financial services department of an online travel platform revealed: "Industrial finance has a single energy level of 50 million, and the amount of personal consumption finance is too small, and the level difference is too much. We are more based on the financial needs of enterprises in the tourism industry chain. The overall financing scale in 2019 almost reached 1 billion yuan. "

　　Regarding how to effectively guarantee the benign development of tourism consumption credit, Yin Zhentao thinks that "the most important thing is to rely on the high attention of the regulatory authorities".

　　Regarding the innovative consumer credit pledge model proposed in the Opinions and the development of credit products with different down payment ratios, terms and repayment methods, Yin Zhentao said: "First, we must have a risk awareness and license concept for the industry and carry out business according to market rules. Secondly, we must consider a large number of our own clients (such as mobile apps or computer software), financial consumer protection, data security and business logic of the industry, as well as factors such as business development logic, financial regulatory requirements and corporate social responsibility.

　　Yin Zhentao also suggested that at the relevant regulatory level, there should be guidance first, including guiding technology companies to carry out financial business, giving innovative license resources to technology companies, and guiding financial consumers to form a reasonable consumption concept. Secondly, there must be constraints, and it is necessary to clarify the regulatory authorities and institutions. In the process of supervision, we must also consider the characteristics of this new format and innovate the supervision methods. "The supervision of such enterprises is different from that of traditional financial institutions, and the data flow of such financial companies will be more difficult to supervise, which may require scientific and technological supervision means."

　　According to insiders, the risk control ability has an impact on the income scale and cost through the audit pass rate and bad debt rate respectively. Under normal circumstances, the higher the interest and service fees of a platform, the worse the credit standing of the users, and the higher the approval rate; Improving the ability of risk control can ensure that the audit pass rate will increase while the interest and service fees remain unchanged, thus expanding the income scale.

　　"Improving the ability of risk control can reduce the bad debt rate under the condition that the audit pass rate is certain, thus reducing the cost." Zeng Rong suggested that it is necessary to fully integrate Internet big data credit reporting with multi-dimensional data sources, personal credit certification, quantitative rating, etc. to achieve rapid automatic approval, flexibly configure risk control models, reduce risk control costs, improve approval efficiency, and reduce the incidence of bad debts. It will be an important competitiveness for tourism financial service providers to build a risk control system based on credit information system, so that enterprises can reduce operating costs and enhance their comprehensive competitiveness while increasing their financial service capabilities.　

　　A Hollywood blockbuster, besides the international version, also has a special "China Special Edition". Recently, Iron Man 3 has been released in two editions, namely "International Edition" and "China Edition", and many Hollywood blockbusters have begun to consider how to please China audiences better. The way Paramount Film Company handled two films recently can tell the world that China has become an important film market in the world. Directed by marc forster and starring Brad Pitt, "world war z" will be a special edition for modifying some plots in the China market; Another work of the company, "Transformers 4", also confirmed that part of the content will be produced in China. Even Cameron’s Avatar has a China race. Nowadays, Hollywood blockbusters playing "China Special" and "Double Edition" have attracted heated discussion in the British media, but China fans are quite angry about it.

　　Cameron: There will also be many Chinese on Pandora.

　　Recently, the film world war z, directed by marc forster and starring Brad Pitt, exposed the latest poster, and announced that the film will be released in North America in the summer on June 21st, 2013. At the same time, it is reported that the film will be specially produced as "China Special Edition".

　　The story tells the story of human beings facing desperate survival after the outbreak of zombie virus. Brad Pitt plays a survivor in the film. In the western version, the zombie plague involves China. In the China version, this plague is called "Moscow flu", which originated from military enterprises. The first person to find the virus was a brave China scientist. World war z is actively striving for the introduction and submission.

　　Paramount Film Company has decided to make part of the production process of Transformers 4 in China, and has reached a cooperation agreement with CCTV Film Channel. This blockbuster film series directed by michael bay has been launched in London, and it is scheduled to land in North American cinemas on June 27th, 2014, which is expected to be introduced into China at the same time. In an interview with foreign media, michael bay revealed that China actors performed in Transformers 4 for up to 10 minutes, but this part will not appear in the western version.

　　Avatar 2, which is being prepared, has also been widely reported that there will be many China elements in the film, including the Avatar race based on China. Cameron, the director, said that he hoped to invite China actors to play an important role in the film. He thought the market was very important. "I will do some necessary work to make this country an important market for my films. I will abide by the internal rules of this market. "

　　It’s not the first time that a Chinese-American cooperative film has a "special edition" when it was released in China. Last year’s "Ring Messenger" showed more scenes of Summer Xu and scenes in Shanghai than the international edition. In Marvel’s summer masterpiece Iron Man 3, Fan Bingbing’s play only appeared in the China version.

　　British media hotly discuss "Hollywood suffers from China syndrome"

　　The website of The Sunday Times reported that "China defeated the zombies in Brad Pitt", while the Independent recently published an article pointing out that "Hollywood suffers from China syndrome": "Hollywood is now panting after the China film market. In order to win business, Hollywood is ready to rewrite the script, reshape the bad guys, and even transplant the whole work. "

　　The reason is that an annual report released by the Motion Picture Association of America last month shows that China has replaced Japan as the second largest box office market in the world after the United States in 2012.

　　Adding China element is questioned as "export to domestic sales"

　　Hollywood’s move has attracted a lot of criticism from China fans when it has not brought benefits yet. Many netizens questioned that this kind of differential treatment is "very deceptive" and belittled the level of Chinese people’s movie viewing, "simply treating us as retarded". Many netizens think that the forced implantation of China elements is not beneficial to the content of the film, and the blunt creation of a "double version" is purely for the producers in China to entertain themselves, and the performance of China actors is nothing more than "exporting to domestic sales". The China industry is worried that this new model will threaten the already struggling domestic films. "People take away our market and our funds, how can China films survive?"

　　Extended reading

　　The qualification of "co-production" is hard to find, and "special offer" kills two birds with one stone

　　Insiders: China’s "plug-in" is difficult to become mainstream

　　According to the Motion Picture Association of America, by 2020, China may surpass the United States and become the largest film market. As a result, Hollywood blockbusters are "a red heart, two hands ready." The concept of "double version" suddenly triggered a heated discussion in the industry, and netizens complained about it. "Why does Hollywood have to make money in a different way?" Yan Erwei, a producer who is familiar with the Hollywood market and executive director of Riggs Communication, believes that "special editions" may appear together, but they will not become the mainstream.

　　It is not difficult to find that Iron Man 3 and Transformers 4 have caught people’s attention with "co-production" and "co-production". Avatar 2, which is being prepared, has also been exploded, and there will be many elements of China. The "Special Edition" has caused a heated discussion in the industry. It has been reported that the reason why the "special edition" has emerged is that there are too many conditions required for "co-production" and the qualification is too difficult to obtain. Can’t justify "in tune", Hollywood blockbusters simply take the "special offer" route, use China elements to create topics in the simplest way, and attract mainland audiences to pay for tickets, which can be described as killing two birds with one stone.

　　Yan Erwei is very familiar with the Hollywood market. He said that "co-production" existed before, and The Kite Runner was a typical example. "More than 90% of the shots of this film were shot in China. At that time, there were two Chinese and American crews on the shooting scene, but the film was not released in the mainland after the filming, and the film side did not intend to release it in the mainland. In short,’ co-production’ refers to the film that has nothing to do with China after the filming. But recently, this concept has gone bad, because a large number of Hollywood commercial blockbusters have entered the China market with ambition. ". The ambition here is to add some China scenes and actors to win the audience’s favor. "

　　Will "special edition" become a trend? How long can this model have vitality? Yan Erwei said frankly that it is possible that there will be more and more "special editions" in recent years, but it is not necessary to put a question mark on it. "Let’s just say that’ special offer’ has not greatly improved the quality of the film itself, and it is not good for exporting values, so I personally am not optimistic about the prospects, at least it will not become the mainstream." He described the "special edition" as a "plug-in" for China in Hollywood film operation, which may be the beginning but can only be a transition.

　　Will this difference affect the movie-watching mentality of fans and the box office of movies? Yan Erwei said that at present, the "special edition" with China elements will not be too bad at the box office in the mainland, and these films will have a new fulcrum in marketing and publicity, and the appearance of face of china will also make the audience feel familiar.

　　Film critic Bi Chenggong also said that although netizens have a lot of abuse, I am afraid that when the movie is really released, most of them will still go to the cinema. He also pointed out that the China element will not affect overseas audiences. "Hollywood blockbusters are often filmed in various countries, and overseas audiences have long been used to it. For them, as long as Americans shoot American movies, they will be given a three-stage genre film, and it is the same where they are filmed."

　　Comprehensive Oriental Daily and xiaoxiang morning herald

　　Cctv news(Reporter Li Wenxue): According to the latest news from the Health and Health Commission of Heilongjiang Province, from 0: 00 to 12: 00 on September 22nd, there were 5 new confirmed cases in COVID-19 (4 cases in Bayan County, Harbin, and 1 case in nangang district, Harbin). As of 12: 00 on September 22, there are 6 confirmed cases imported from abroad and 8 confirmed cases locally in the province.

　　On September 22nd, Announcement No.29 of Harbin Municipal Command for Dealing with Pneumonia in novel coronavirus was released. In order to find and control the source of infection in time and effectively, and resolutely block the spread of the epidemic, according to the actual situation of epidemic prevention and control in Harbin and the expert’s judgment, the headquarters of Harbin’s response to novel coronavirus’s pneumonia epidemic decided that "three districts and one county" in nangang district, Daoli District, Songbei District and Bayan County should complete the first round of nucleic acid detection before 24: 00 on September 22, and other districts and counties (cities) should complete the first round before 24: 00 on September 23.

　　In order to ensure full coverage and no omission of nucleic acid detection, Longjiang health code assignment management will be implemented for nucleic acid detection, and the health code will be adjusted to "yellow code" for those who fail to carry out nucleic acid detection according to the requirements of epidemic prevention and control, and will be adjusted to "green code" when the detection is completed and the result is negative.

　　In order to concentrate on doing a good job in nucleic acid screening for all staff and quickly cut off the source of epidemic spread, from now on, the vaccination work in COVID-19 in the city will be suspended for 3 days.

How can I get the information of a truck I don’t know quickly? Domestic off-brand trucks usually stick various LOGOs on the body, including LOGO, model, horsepower, etc. It is a quick and effective way to obtain basic information from various logos pasted on the body. You can know what brand this is through logo, and you can know the name of the model through the model logo. Then you can use search engine to learn more about this model.

Logo, on the other hand, is also a way for manufacturers to publicize the characteristics of their vehicles. For example, a "4.9s" is marked on the rear of a hybrid vehicle to tell everyone that the acceleration time of this vehicle from 0 to 100 km/h is only 4.9 seconds. Different from passenger cars, trucks have more and more complicated signs, but there are also rules to follow.

Logo of BYD Hybrid Vehicle

Common way 1: Tonnage+horsepower

The seven mainstream truck brands in Europe are led by Mercedes-Benz trucks, and they like to use the sign "Tonnage+Horsepower" to stick on the door. The nameplate consists of four digits in total, the first two digits represent the total mass of the vehicle design (unit: ton), and the last two digits multiplied by 10 are equal to the maximum output horsepower of the engine. Take 2644, the main model sold in China, as an example, with a total design mass of 26 tons and a maximum output power of 440 HP. 2648, 3360, 1841, etc. are all the same.

Common body logo of Mercedes-Benz truck

Baotou Beiben Heavy Truck Co., Ltd. signed a cooperation agreement with Mercedes-Benz truck in the 1980s, and introduced a series of products. In terms of product naming, the Beiben model also continued the way of Mercedes-Benz truck, so don’t be surprised to see the same standard method as Mercedes-Benz on the Beiben truck.

Common body logo of Beiben truck

At present, Foton Motor, which cooperates with Daimler Group, has an EST super truck based on construction. Recently, it has been listed in China and started to use the same signboard form as Mercedes-Benz trucks. For example, the original 430-horsepower model only marked "430" on the door, and now it has been replaced with "2543".

MAN truck company, which is also a German brand, also adopts the standard method of "tonnage+horsepower", which is more intuitive than Mercedes-Benz’s 4-digit standard method. MAN uses the 5-digit standard method, in which the first 2 digits are the total design mass of the vehicle, and the last 3 digits are the maximum output horsepower of the engine, and the model name will be added at the front, usually three English letters. For example, MAN recently promoted 28.480 in China, TGX is MAN’s flagship model, 28 indicates that the total vehicle mass is designed for 28 tons, and 480 indicates the maximum output power of the engine.

Common body logo of Mann truck in Germany

It is not unreasonable for Italy to be dubbed Italy’s Italian-made medium-sized car. Although the standard method is tonnage+horsepower, people who don’t know it will be puzzled to interpret it according to the convention of Mercedes-Benz, because Iveco’s standard method is very confusing. For example, a Eurocargo is marked with "150E28" next to it, and many people will subconsciously think that this car is 150 horsepower with a total design weight of 28 tons. On the contrary, "150" means that the total design mass is 15 tons and the maximum output power of the engine is 280 horsepower. The latest Eurocargo has changed a new standard method, which is also composed of five digits. The first two digits indicate tonnage, and the last three digits indicate horsepower. "75-190" means 7.5 tons and 190 horsepower. Iveco’s flagship heavy truck is relatively simple and rude, and it is directly labeled as "model+horsepower", which belongs to another classification.

Body logo of Iveco truck in Italy

A few simple numbers can convey the information of vehicle tonnage, horsepower and even vehicle type. The marking method of "tonnage+horsepower" is very intuitive and effective. Experienced people can roughly guess the vehicle type and service conditions from this marking information, such as Mercedes-Benz 2648, which must be a three-axle vehicle with a total weight of 26 tons. This tonnage level with a 480 horsepower engine is more suitable for high-speed logistics conditions. If Mercedes-Benz 3360 is used, if it is a 33-ton tractor with 600 horsepower, then it is no accident that it must be designed for heavy-duty conditions, so it needs such a large tonnage and horsepower. MAN and Iveco are the same, and I have to admire the person who came up with this method at that time.

Common way 2: model+horsepower

At present, it is the most widely used method to use the model (car series)+horsepower standard method. European manufacturers think that this method is used in all series of models, and the logo consists of one letter plus three digits. The name of Scania car series is relatively simple, which is P/G/R/S series from bottom to top. The car logo is one letter, and the last three digits indicate the maximum horsepower of the engine. Take chestnuts as an example. G480 means that this car uses a series of cabs with a maximum power of 480 HP. The same is true for other series.

Body logo of Scania truck

Like Scania, there are French trucks. Now Renault’s latest trucks are divided into models with a single letter, including T-series, C-series, K-series and other models, corresponding to different levels and working conditions. The logo is also composed of car name+horsepower. The "T" of the 2015 international truck Renault T520 represents the model, and "520" means that the car is 520 horsepower.

Renault truck

Domestic cars basically use this standard method. The eldest son of the Republic marked "J6P-460" on the door to indicate that the model name is, the engine output is 460 horsepower; There are also domestic mainstream models such as U480,540, Shaanxi Automobile X3000 480 and Hongyan Jieshi C100 480, all of which are of this kind.

Body logo of Jiefang truck

This widely used identification method has both advantages and disadvantages. The advantage is that it is intuitive to know the name of the vehicle and the power of the engine, but the disadvantage is that it is impossible to infer the working condition of the vehicle from the name. Therefore, domestic manufacturers will now attach labels such as "Pilot Edition", "Sailing Edition", "Composite Edition", "Lightweight Edition" and "Smooth Edition" to the body surface to further refine the vehicle classification. If you think that this can satisfy the "show off" psychology of manufacturers, it is naive, and then read on.

Common way 3: technical identification cannot be less.

We can often see various labels such as "VVTI", "TFSI" and "1.5T" on passenger cars. These are the places where manufacturers are not or not good enough to flaunt their cars with other brands, which can be understood as a show off. For example, Toyota’s VVTI variable valve technology is a Toyota patent, and other manufacturers can’t flaunt themselves like this, so Toyota can use this as a selling point. The same is true for truck manufacturers, on the one hand, to show more information, on the other hand, to show off. Among them, the engine logo is the most common, and both domestic and foreign car companies play this set.

Starting from Mercedes-Benz, "BlueTec" can be found on passenger cars and trucks. It is the name of a diesel engine exhaust aftertreatment system originally created by Mercedes-Benz. This aftertreatment technology can effectively reduce particulates and effectively reduce the emission of nitrogen oxides. It is one of the cleanest diesel engine technologies in the world. Is Mercedes-Benz a naked show?

Technical signs on Mercedes-Benz trucks

Another model of Mercedes-Benz truck with engine will put a "V8" logo on the front of the car to tell the onlookers that this is a car with V8 engine. European manufacturers MAN and Scania also have this practice, and will add the V8 logo as an honor to the car. But now, with the emission escalation, only Scania has retained the V8 engine with Euro 6 emission, and the gold content of the V8 logo is even more sufficient in Ouka.

Technical signs on Scania trucks

Even if there is no V8 engine, as long as the engine technology is advanced enough, it can be pasted on the car as a show-off capital. MAN in Germany has an engine with Euro-6 emission. The engine model starts with "D38". This D38 engine has excellent performance, and all indicators can kill competitors, both in fuel economy and power. Therefore, MAN will put a "D38" logo on the model equipped with D38 engine to let you know that this is a car equipped with D38 engine.

Technical signs on MAN trucks in Germany

Similarly, domestic manufacturers have done a lot, and there are two brands of DCI engines with Renault technology to choose from. In order to highlight DCI engines, all cars equipped with DCI engines will add a "DCI" logo before the horsepower logo, while machines equipped with Dongfeng Cummins do not have this treatment. The same is true for United trucks. Models equipped with flagship engine series will stick a "6K inside" on the door to indicate that the "heart" of this car is 6K.

Common body logo of Dongfeng Tianlong

It sounds incredible to make a car system specially for an engine, but in fact there are quite a few. Up to now, it is the king of horsepower of European trucks. A 16-liter inline 6-cylinder engine has made a maximum output of 750 horsepower, which is enough to be proud of. For this reason, a truck is specially added on the basis of "".The front face of the vehicle is different from other FH colors, and the surface of the car body also has a special logo.

750 horsepower model

Ou Man, a domestic manufacturer, is playing this game the most. A Ou Man GTL model with an ISG engine is called "Edition", and a big "ISG" logo is attached to the side of the car body; Ou Man GTL with Mercedes-Benz OM457 engine is called "Mercedes-Benz Edition", and there is a corresponding logo on the body. Because there are many engines available for Foton models, in order to better distinguish the engine brands, there is a letter behind the horsepower logo to represent the engine brands. For example, "490 G" means the maximum output power of the engine is 490 HP, the engine is Cummins ISG, the letter "W" means, and "B" means Mercedes-Benz power.

Body logo of GTL truck in Ou Man

Standard torque

Finally, I want to talk about a very distinctive logo type. Recently, Dongfeng Tianlong flagship has put on a new logo method, changing the horsepower standard method used in the past and replacing it with 4 digits plus engine displacement. These four figures can make many people blindsided and completely unable to understand what they mean.

The latest body logo adopted by Tianlong flagship

"2330" and "13L", which is easy to understand, represent the engine displacement of 13L, because there are not many domestic models that can assemble 13L engines now, and most of the so-called 13L engines have a displacement of more than 12L, and only Dongfeng Cummins ISZ 13 has a real domestic displacement of 13L, so it is so proud to stick "13L" on the car body. The meaning of "2330" doesn’t matter, it represents the maximum torque output value of the engine, and other manufacturers mark the engine power. It is also the first time for Dongfeng to mark the torque, which is a precedent. The purpose of doing this is to show that the engine torque is large, the vehicle power is strong, and the starting point is very good. It is not known how the actual publicity effect is.

Privately, this practice is more like manufacturers "entertaining themselves." There are two reasons. The first is that the practice of marking torque seems intuitive. In fact, it is difficult for the bottom users to quantify this value, and they have no idea about it. They are used to the marking method of horsepower and suddenly have a torque, and they can’t understand how much horsepower this is. It’s like everyone says that he is xx meters tall, and suddenly someone says that he is xx feet tall, which makes it impossible to judge the height of his birth immediately according to his own experience. The second is that the labeling form is too counterintuitive, and almost no one can guess what these four numbers mean. The combination of tonnage and horsepower of Mercedes-Benz is deeply rooted in the hearts of the people and will be interpreted in the form of Mercedes-Benz.

To sum up all the models, there must be a key message-horsepower value no matter how the logo rules of different brands and models change. In the final analysis, a truck is a means of transportation, and the most basic and key indicator is the strength of power. Only when the power is strong enough can it carry goods. Basically, all truck engines are diesel engines and turbocharged, which are standard configurations, so there is no need to mark these as selling points like passenger cars. An engine will have several different output power adjustments, and with different engine types, the optional horsepower range will be particularly rich. At this time, marking the horsepower value on the body can reflect the power strength of the vehicle relatively intuitively.

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Original serious demographic gossip group serious demographic gossip

Author | Wang Han Ph.D. student in sociology, University of Saskatchewan, Canada

Editor | Zhao Menghan Associate Professor, Population and Development Research Center, Renmin University of China

After the outbreak of COVID-19, all aspects of our lives have been greatly impacted, and education is also an area that has been deeply influenced and changed. Due to the demand of prevention and control, face-to-face teaching was forced to stop. In order to solve the teaching problems of all kinds of students, especially those in the basic education stage, an upsurge of online teaching has been set off around the world since 2020.

Our country has also responded quickly in developing online teaching. As early as January 29, 2020, the Ministry of Education issued a notice: advocating the use of online platforms to achieve "suspension of classes without stopping teaching and learning", so as to gradually restore the order of education and teaching. Subsequently, major universities, primary and secondary schools responded to the call and began to implement online teaching. Although offline teaching was also carried out during the slow epidemic, it was not until this year that offline campus teaching was basically completely restored. It should be said that the implementation of online teaching not only protects the health of teachers and students, but also minimizes the impact of the epidemic on teaching activities.

Of course, the emergence and application of anything new has a complicated impact. There are many difficulties and challenges, but it also brings innovation and hope. With the small series, we will sort out and summarize the influence and enlightenment brought to us by the online courses in the next three years in stages.

Chapter 1

Past lives of online class

As a new teaching method, Internet teaching has two main ways: live teaching and recorded teaching. Live teaching is the real-time classroom teaching and interaction with the help of the network platform, such as the popular Zoom abroad, the Tencent conference commonly used in domestic universities, and all kinds of nails that are collectively scored low by primary school students. Live teaching is equivalent to "moving" the classroom to the network platform. Recording and broadcasting teaching means uploading course videos and related materials made in advance on the network platform for learners to view and learn by themselves. The pioneer of recording and broadcasting teaching is the famous Coursera, and there are similar platforms in China, such as Netease Open Class and China University MOOC.

In fact, before the epidemic, Internet teaching had a broad audience in China, mainly concentrated in college students and adult self-learners. Online courses are widely used in all kinds of postgraduate entrance examinations, overseas examinations and civil service examinations, which makes large-scale training and teaching possible. When Xiao Bian was preparing to go abroad for the exam n years ago, he participated in the GRE full-course and braille class of an institution. At that time, YY voice platform was adopted for online teaching.

Compared with adult learners, students in the basic education stage had less opportunities to contact online teaching before the "online class tide". For basic education, classroom education is not only a form of imparting knowledge, but also an important place for students to make friends and complete socialization. Therefore, compared with the online teaching of graduate students like Xiaobian, students and teachers in primary and secondary schools have encountered many problems in the process of accepting online teaching.

Chapter 2

Difficulties and challenges in online courses

The first challenge that online classes bring to teachers and students in primary and secondary schools is the technical problem. First of all, in terms of network and equipment, some students can’t get a stable network connection due to economic constraints, or they don’t have computers at home. Many students use mobile devices to attend online classes, which may damage their eyesight because of the small screen. In terms of acceptance, primary school students’ acceptance is greater than that of high school students, which may be related to the complexity of the teaching content.

Teachers also have similar network and equipment problems, but what teachers reflect more is their unfamiliarity with teaching software and lack of live broadcast experience. How to organize teaching and interaction in virtual environment is a big challenge for teachers, especially for older teachers, who need to spend more time getting familiar with and applying new technologies. The research points out that most primary and secondary school teachers have negative emotions such as "nervousness and anxiety" when they just turn to online teaching. After using it for a period of time, with the improvement of teachers’ mastery of new technologies, their self-confidence in online teaching has also improved significantly. Technology-related problems are obvious in the initial stage of online course application. With the increase of familiarity, most of the problems have been solved.

Compared with technical problems, the quality of online teaching is the focus of attention. In a nationwide survey of online classes in primary and secondary schools, most parents said that they didn’t recognize the effect of their children’s learning. The main reason was that parents thought that their children’s autonomous learning ability was poor, and they could not effectively supervise and restrain their children because the teachers were not present. Common problems such as absent-mindedness, inattention in listening, and inattention in completing homework. On social media, Xiao Bian also saw a post. A teacher opened the teaching software to check the homework, only to find that the homework photos uploaded by the students were net maps, and all the students uploaded the same photo. What’s even more outrageous is that in order to avoid the teacher’s discovery, some students added different filters to the photos, and when they saw the students’ "Sao operation", the teacher also said that he was speechless.

The classroom in colleges and universities needs more interaction and discussion between teachers and students, while in online courses, teachers and students lack opportunities for face-to-face communication. The form of online teaching is like a "enough paper" for communication and interaction. Although it is only a thin layer, it is difficult to attract students to break it in class. Without asking to turn on the camera, many students are confused, lying down and listening to classes while walking, and the learning effect is naturally not good.

In addition, due to the differences of students’ family environment and family relationship, online teaching will amplify the influence of family background on students. Children from wealthy families will have a better learning environment and a better learning effect than children from low-income families. Therefore, how to improve the teaching quality of online teaching for students in compulsory education stage is a subject worth studying in the future.

Chapter 3

Surprises and opportunities brought by online courses

The popularity of online teaching has promoted the development of internet teaching technology, innovated teaching methods and promoted the development of various online teaching platforms and software. As a nail, the school-based function is convenient for teachers to check and correct homework and improve teaching efficiency. In the process of developing online courses, teachers have innovated teaching methods and accumulated teaching experience supported by new technologies.

Although some students are even more reluctant to participate in interaction in online classes, due to the absence of the Internet, some students who are usually silent in the classroom can participate in classroom interaction more actively after switching to the Internet platform, which is also a pleasant surprise in online teaching.

In the process of online teaching, parents’ participation in their children’s education has increased significantly. Due to the absence of teachers, parents assume the role of supervision and management of their children, which gives many parents who are usually busy with their work and less involved in their children’s studies an opportunity to get to know their children better. In the process of supervising and tutoring children’s homework, the interaction between parents and children has also increased significantly, which is helpful to improve family relations (of course, when the academic performance is not good, it will also have the opposite effect).

The popularity of online courses has also greatly enriched Internet educational resources. In the past, some teaching resources that were difficult to retrieve on the Internet can now be easily found on various platforms, which will help reduce the cost of education and give everyone a more equal opportunity to obtain educational resources. Some things that you used to have to take remedial classes can now be found on the Internet. At the same time, the online teaching resources have realized "paperless" teaching and learning, which is conducive to saving resources and protecting the environment.

More importantly, the popularity of online courses is a new opportunity for friends who are interested in lifelong learning and improve themselves through self-study. For example, on Coursera, you can hear courses from top universities in the world, such as Harvard University and University of California, Berkeley, and most of them are provided free of charge. If your English is not very good, there are many Chinese Coursera courses for you to choose from in Netease open class. The bridge of the internet allows many people who have no chance to study abroad to dream of famous schools. The popularity of online courses is a great boon for lifelong learners.

To sum up, although online education has encountered some difficulties and challenges in the initial stage of application, it is very valuable in the long run. Online teaching not only promotes the innovation of teaching technology, but also greatly enriches educational resources; It greatly reduces the cost of receiving education, is conducive to the popularization and sinking of knowledge, and improves the overall quality of the people. Therefore, in the future, as educators, we should pay more attention to the value of online education and focus on solving the problems found in the teaching process, so that online education can benefit a wider group.

References:

Pokhrel, S., & Chhetri, R. (2021). A literature review on impact of COVID-19 pandemic on teaching and learning. Higher education for the future, 8(1), 133-141.

Zhang Huirong, Zhu Yuqiong, Nianchuang, & Xiong Zhangxiao. (2020). Online teaching in primary and secondary schools under major epidemic: opportunities, challenges and countermeasures. Curriculum. Teaching methods, 40(5), 58-63.

Tang Xueping,&Li Chen. (2021). Analysis of public awareness of online teaching in primary and secondary schools during the COVID-19 epidemic. Distance education in China.

Zhang Binglin, Fu Rui,&Li Dingding. (2020). Rational Thinking on Webcast Teaching in Post-epidemic Period. Curriculum. Textbook. Teaching Method, 40(6), 73-80.

Original title: "Do you miss the online class for three years? 》

Read the original text

On November 19th, the General Command of Epidemic Prevention and Control in COVID-19, Dalian released that from 00: 00 to 24: 00 on November 18th, seven new confirmed cases of local COVID-19 were found in Dalian, all of which were found through active investigation by close contacts and key people.

The main activity tracks of confirmed cases are announced as follows:

Confirmed case 281: an employee of a company in Ganjingzi District, living in Vanke City Community, Xiangquan Community, Advanced Street, Jinpu New District. November 7th — On the 15th, the nucleic acid test was negative for four times; On November 18th, the nucleic acid test was positive in the active investigation of the key population, and then it was transferred to COVID-19 for centralized treatment and isolated treatment in Dalian Center. After consultation by the provincial expert group, it was confirmed as an ordinary case.

On November 12th, I went to Dashang Supermarket (Jinzhou Democratic Plaza Store) at noon and to Qingxiang Lamian Noodles (Jinwan Road Store) in the afternoon.

On November 13th, I went to Jiajiafu Supermarket (Wuyi Road Store) in the morning and to Pangjie Steamed Bun Shop (Stalin Road Store) in the afternoon.

On November 14th, I went to Pangjie Steamed Bun Shop (Stalin Road Branch) in the morning.

From November 12th to 14th, I delivered meals to the First People’s Hospital of Jinzhou District every day.

On November 15th, in the morning, I went to Pangjie Baozipu (Stalin Road Store), Xiangquan Street Mother’s Home, an advanced street in Jinpu New District, and Jiajiafu Supermarket (Wuyi Road Store).

On November 16th, in the morning, I went to Jinzhou First People’s Hospital, Parent-child Le Maternal and Infant Life House (Vanke City), Jiajiafu Supermarket (Wuyi Road Store) and Neptune Star Health Pharmacy (Bohai Street Store).

On November 17th, in the morning, I went to Pangjie Baozipu (Jinfang Store), Jiangji Smoked Sauce Dumpling House (Advanced Street) and Fujiale Fruit Supermarket (Vanke Store).

Confirmed case 282: unemployed, living in Wankecheng Community, Xiangquan Community, Advanced Street, Jinpu New District, and the wife of confirmed case 281. November 7th — On the 15 th, the nucleic acid test was negative three times; On November 18th, the close contacts tested positive for nucleic acid during the active investigation, and then they were transferred to COVID-19 for centralized treatment and isolated treatment in Dalian Center. After consultation by the provincial expert group, they were diagnosed as ordinary cases.

November 12-November 15, at the First People’s Hospital of Jinzhou District.

From November 16th to November 17th, I stayed at home.

Confirmed case 283: the son of confirmed case 282, who lives in Vanke City Community, Xiangquan Community, Advanced Street, Jinpu New District. On November 18th, the close contacts tested positive for nucleic acid in the active investigation, and then they were transferred to COVID-19 for centralized treatment and isolated treatment in Dalian Center, and the case was confirmed by the provincial expert group consultation (light).

From November 12 to November 17, the trajectory was the same as that of confirmed case 282.

Confirmed case 284: unemployed, living at No.10 Xiangquan Street, Xiangquan Community, Advanced Street, Jinpu New District, and the mother of confirmed case 281. From November 7 to 17, the nucleic acid test was negative for four times; On November 18th, the close contacts tested positive for nucleic acid in the active investigation, and then they were transferred to COVID-19 for centralized treatment and isolated treatment in Dalian Center, and the case was confirmed by the provincial expert group consultation (light).

From November 12th to November 13th, I stayed at home.

From November 14th to November 17th, I sampled nucleic acid in the community and went to my son’s house in Wankecheng Community, an advanced street in Jinpu New District.

Confirmed case 285: domestic worker, living at No.358 Nanmian Community, Zhanqian Street, Jinpu New District. From November 5 to 17, nucleic acid tests were negative for three times; On November 18th, the close contacts of 281 confirmed cases tested positive for nucleic acid, and then they were transferred to COVID-19 for centralized treatment and isolated treatment in Dalian Center. After consultation by the provincial expert group, they were diagnosed as ordinary cases.

From November 12th to November 16th, the trajectory was the same as that of the confirmed case 282 (accompanying).

On November 17th, in the afternoon, I sampled the nucleic acid in Nanmian Community and bought it in Wan Jiale (Nanmian Road Store).

Confirmed case 286: employee of a company in Ganjingzi District, living in P1 District of Quanshui Street in Ganjingzi District. From November 8 to 17, the nucleic acid test was negative for 8 times; On November 14th, as a close contact, he was transferred to a centralized isolation place. On November 18th, the routine nucleic acid test result was positive, and then he was transferred to COVID-19 for centralized treatment and isolation treatment in Dalian Center. After consultation by the provincial expert group, he was diagnosed as an ordinary case.

From November 12th to 13th, I stayed at home.

Confirmed case 287: a child, living in the family building of the Finance Bureau of Chengguan Street, zhuanghe city. From November 4 to 14, nucleic acid tests were negative for 8 times; On November 14th, as a close contact, he was transferred to a centralized isolation place. On November 18th, the routine nucleic acid test results were positive, and then he was transferred to COVID-19 for centralized treatment and isolation treatment in Dalian Center. After consultation by the provincial expert group, the case was confirmed (light).

From November 12th to November 14th, I stayed at home.

　　CCTV News:According to the website of China Banking and Insurance Regulatory Commission, in order to further promote banking financial institutions to improve their credit management capabilities and financial service efficiency and support financial services to the real economy, China Banking and Insurance Regulatory Commission, China revised the credit management systems such as Interim Measures for the Management of Fixed Assets Loans, Interim Measures for the Management of Working Capital Loans, Interim Measures for the Management of Personal Loans and Guidelines for Project Financing (hereinafter referred to as "Three Measures and One Guidance"). The Measures for the Management of Fixed Assets Loans (Draft for Comment), the Measures for the Management of Working Capital Loans (Draft for Comment), the Measures for the Management of Personal Loans (Draft for Comment) and the Provisions for the Management of Project Financing Business (Draft for Comment) were formed, which were open to the public for comments, and the heads of relevant departments answered questions from reporters on the above systems.

　　1. What is the background of the revision of "three methods and one guideline"?

　　The implementation of "three methods and one guideline" for more than ten years has played an active role in improving the standardization and refinement of loan management of commercial banks, preventing and controlling credit risks and serving the real economy. In recent years, with the sustained development of China’s economy and society, new requirements have been put forward for financial services to the real economy, and some provisions in the "three methods and one guide" have also shown certain limitations and lag, which need to be updated and adjusted to better adapt to the current development trend of credit business. China Banking and Insurance Regulatory Commission revised the "three methods and one guideline" and the main problems existing in the implementation of related policies, which is conducive to further promoting banking financial institutions to improve their credit management capabilities and financial service efficiency and better serve the real economy.

　　2. What are the principles of this revision?

　　This revision follows the principles of problem-oriented, advancing with the times and risk-oriented. Focusing on improving the quality and efficiency of serving the real economy, focusing on effectively preventing and controlling financial risks, we will study and solve relevant problems that are more urgent in the market, and actively adjust the applicability and effectiveness of policies according to the new situation and changes in market development. At the same time, pay attention to scientifically grasping the pace of policy adjustment, strengthen the risk control mechanism, adhere to the requirements of prudence, and strike a balance between steady growth and risk prevention.

　　3. What are the main contents of this revision?

　　First, according to the actual credit business, moderately broaden the use and scope of working capital loans and fixed assets loans. The second is to further clarify the entrusted payment standards of different types of loans, optimize the management requirements of entrusted payment, and improve the effectiveness of entrusted payment execution. Third, according to new business scenarios, adjust business handling methods, support the application of big data and off-site technologies, and carry out loan investigation and management. Among them, for the working capital loans handled by small and micro enterprises, the on-site investigation can be simplified or stopped if it meets the relevant regulatory requirements. The above-mentioned small and micro enterprises include small and micro enterprises that obtain loan financing through supply chain finance business. Fourth, improve the flexibility and convenience of loan processing, further optimize the calculation requirements of working capital loans, and increase the credit method to handle the related contents of fixed assets loans, so as to better meet the financing reality. The fifth is to clarify the loan term requirements, guide commercial banks to effectively prevent the risk of loan term mismatch and optimize the loan structure. Sixth, integrate other relevant credit management systems to improve the system’s systematicness.

　　IV. What adjustments have been made to the scope of loan use and loan object in this revision?

　　The Measures for the Administration of Fixed Assets Loans (Draft for Comment) clarifies that fixed assets loans refer to local and foreign currency loans issued by legal persons or unincorporated organizations for borrowers’ fixed assets investment. Investment in fixed assets refers to the construction, purchase and transformation of fixed assets by borrowers in the course of business. At the same time, loans for intellectual property research and development projects such as patent rights can be implemented with reference to these measures.

　　The Measures for the Administration of Working Capital Loans (Draft for Comment) clarifies that working capital loans refer to local and foreign currency loans issued by lenders to legal or non-legal organizations for the daily operation and turnover of borrowers. Working capital loans shall not be used for shareholders’ dividends, financial assets, fixed assets, equity and other investments, and shall not be used in fields and uses prohibited by the state from production and operation.

　　V. What adjustments have been made to the relevant requirements for entrusted payment of loans in this revision?

　　For fixed assets loans, if it is clear that the single payment amount to a transaction object of the borrower exceeds RMB 5 million, the entrusted payment method should be adopted, and the time limit for entrusted payment should be relaxed to ten days under relevant special circumstances. For working capital loans, if the payment object is specified clearly and the single payment amount to a transaction object of the borrower exceeds 10 million yuan, the entrusted payment method should be adopted. In the case of the borrower’s emergency use of funds, the lender is allowed to appropriately simplify the materials and procedures for pre-certification of entrusted payment and review them afterwards. For personal loans, personal consumption loans with a single withdrawal amount of more than 300,000 yuan, and personal business loans with a single withdrawal amount of more than 500,000 yuan, the entrusted payment method should be adopted.

　　Commercial banks may, according to the needs of risk control, set stricter standards on the basis of the relevant standards for entrusted payment. The entrusted and independent payment accounts in the regulations are all bank accounts.

　　VI. What are the requirements for the prevention and control of misappropriation of loan funds in this revision?

　　First, the lender should agree with the borrower in the contract that the borrower should bear the liability for breach of contract when the borrower fails to use the loan according to the agreed purpose, such as personal business loan being misappropriated in the real estate field, and the measures that the lender can take to recover the loan in advance, adjust the loan payment method, reduce the credit line, stop or suspend the loan issuance, and investigate the corresponding legal responsibilities. Second, lenders should improve the payment control system of loan funds, strengthen the application of financial technology, and effectively supervise the use of loan funds according to the agreed purposes. If it is found that the borrower misappropriates the loan funds, it shall take corresponding measures to control it in accordance with the contract.

　　7. What are the clear provisions on the loan term in this revision?

　　In order to fill the gap in the system of loan term, effectively prevent the risks caused by the mismatch of loan term and further optimize the loan structure, this revision makes it clear that the term of working capital loan shall not exceed 3 years. In principle, the loan period of fixed assets shall not exceed 10 years. If the loan period exceeds 10 years, the head office shall be responsible for examination and approval, and the banks whose business scope is nationwide may authorize tier-one branches for examination and approval. The term of personal consumption loans shall not exceed 5 years, the term of personal business loans shall generally not exceed 5 years, and the longest recovery period of business cash flow corresponding to the loan purpose shall not exceed 10 years.

　　Where the relevant state departments have other provisions on the loan term of real estate loans, individual housing loans and individual student loans, the relevant provisions shall continue to be implemented.

　　8. What adjustments have been made to the calculation requirements of working capital loans in this revision?

　　Considering that different types of working capital borrowers are quite different and their actual needs are different, this revision pays more attention to the flexibility of working capital loans and supports commercial banks to actively play their subjective initiative. The Measures for the Administration of Working Capital Loans (Draft for Comment) clearly states that the lender should calculate the working capital demand of the borrower according to its business scale, business characteristics, accounts receivable, inventory, accounts payable, capital cycle and other factors, and an example of calculation method is attached for reference. At the same time, the provisions that "lenders should formulate effective calculation methods for different types of borrowers according to actual needs" and "for small and micro enterprise borrowers, lenders can analyze and judge borrowers’ working capital needs by other means" have been added.

　　9. Does the "written form" stipulated in the relevant provisions of "Three Measures and One Guidance" refer to the paper version?

　　According to Article 469 of the Civil Code of People’s Republic of China (PRC), a qualified "data message" is regarded as a written form. The relevant requirements of "three methods and one provision" on "written form" shall comply with the provisions of the Civil Code of People’s Republic of China (PRC).

　　X. How to apply the relevant provisions of the Measures for the Administration of Working Capital Loans (Draft for Comment) and the Measures for the Administration of Personal Loans (Draft for Comment) in handling Internet loans?

　　According to the provisions of Article 45 of the Measures for the Administration of Working Capital Loans (Draft for Comment) and Article 48 of the Measures for the Administration of Personal Loans (Draft for Comment), the working capital loans and personal loans that meet the relevant provisions of the Interim Measures for the Administration of Internet Loans of Commercial Banks shall be handled. If there are other provisions in the Interim Measures for the Administration of Internet Loans of Commercial Banks, those provisions shall prevail.