According to the website of the Ministry of Finance, it was decided by the Ministry of Finance and the Ministry of Human Resources and Social Security that the 2023 national accounting professional and technical qualification (hereinafter referred to as accounting qualification) examination will be held in a paperless way in May (elementary, advanced) and September (intermediate) in 2023.

Notice on the examination schedule and related matters of the national accounting professional and technical qualification examination in 2023

Examination [2022] No.3

　　The accounting qualification examination management institutions of all provinces, autonomous regions and municipalities directly under the Central Government, and the accounting qualification examination management institutions of Xinjiang Production and Construction Corps:

　　After research and decision by the Ministry of Finance and the Ministry of Human Resources and Social Security, the 2023 National Accounting Professional and Technical Qualification Examination (hereinafter referred to as accounting qualification) was held in a paperless way in May (primary, advanced) and September (intermediate) in 2023. The examination schedule and related matters of the 2023 accounting qualification examination are hereby notified as follows:

　　First, the examination registration

　　(a) personnel who sign up for the accounting qualification examination shall meet the following basic conditions:

　　1. Abide by the Accounting Law of People’s Republic of China (PRC) and the national unified accounting system and other laws and regulations.

　　2. Have good professional ethics and no serious violation of financial discipline.

　　3. Love accounting work and have corresponding accounting professional knowledge and business skills.

　　(two) the personnel who sign up for the primary qualification examination, in addition to the basic conditions, must also have graduated from high school (including high school, technical secondary school, vocational high school and technical school) and above.

　　(three) the personnel who sign up for the intermediate qualification examination must meet one of the following conditions in addition to the basic conditions:

　　1. Have a college degree and have been engaged in accounting for 5 years.

　　2 with a bachelor’s degree or bachelor’s degree, engaged in accounting work for 4 years.

　　3 with a second bachelor’s degree or graduate class, engaged in accounting work for 2 years.

　　4 with a master’s degree, engaged in accounting work for 1 year.

　　5. Have a doctorate.

　　6. Pass the national unified examination and obtain the intermediate qualification of economics, statistics and auditing.

　　(four) the personnel who sign up for the advanced qualification examination shall meet one of the following conditions in addition to the basic conditions:

　　1. Have a college degree and have been engaged in the work related to the responsibilities of accountants for 10 years after obtaining the title of accountant.

　　2. Have a master’s degree or a second bachelor’s degree or graduated from a postgraduate class or a bachelor’s degree or a bachelor’s degree. After obtaining the title of accountant, they have been engaged in work related to accountant duties for 5 years.

　　3. Have a doctoral degree and have been engaged in the work related to the responsibilities of accountants for 2 years after obtaining the title of accountant.

　　(5) The technical school education mentioned in "1. Examination Registration" (2) of this notice refers to the technical school education recognized by the administrative department of human resources and social security of the State Council. Other academic qualifications or degrees mentioned in this notice refer to academic qualifications or degrees recognized by the administrative department of education of the State Council.

　　(6) The relevant years of accounting work mentioned in this notice, and the deadline is December 31, 2023; Students who use their spare time to work part-time are not regarded as formally engaged in accounting work, and the corresponding time is not included in the accounting work years; The number of years of work in the intermediate qualification examination is the sum of the time spent in accounting before and after obtaining the required academic qualifications.

　　(7) On-the-job personnel who meet the registration requirements shall register at the place where their work units are located according to the principle of localization; Students who meet the registration requirements shall register at the place where they are enrolled; Other personnel who meet the registration requirements shall register at their domicile or residence.

　　Residents of Hongkong, Macao and Taiwan Province who meet the registration requirements shall register in the Mainland according to the principle of convenience nearby. If there is a work unit, register at the place where the work unit is located; If you are a student at school, you should register at the place where your student status is located.

　　All those who sign up for the exam will take the exam at the place where they sign up.

　　(8) When examining the application conditions of applicants, applicants shall submit academic qualifications or degree certificates or relevant professional and technical qualification certificates, resident identity certificates (Hong Kong, Macao and Taiwan Province residents shall submit their valid identity certificates) and other materials.

　　Second, the examination subjects

　　(a) the primary qualification examination subjects include "primary accounting practice" and "economic law foundation".

　　(2) Intermediate qualification examination subjects include Intermediate Accounting Practice, Financial Management and Economic Law.

　　(3) Advanced qualification examination subjects include Advanced Accounting Practice.

　　Those who take part in the primary qualification examination can obtain the primary qualification certificate only after passing all the examinations within one examination year; Those who participate in the intermediate qualification examination shall pass all subjects in two consecutive examination years before obtaining the intermediate qualification certificate; Those who have participated in the senior qualification examination and reached the national qualification standards will download and print the examination results on the "National Accounting Qualification Evaluation Network" by themselves, and it will be effective to participate in the qualification evaluation of senior accountants within 3 years.

　　Third, the examination outline

　　The accounting qualification examination uses the outline of the 2023 accounting qualification examination formulated by the Office of the Leading Group for National Accounting Professional and Technical Qualification Examination. The outline of the 2023 accounting qualification examination will be announced separately.

　　Fourth, the examination time and examination schedule

　　(1) Examination time

　　

primary　

13-17 May　

8:30－11:30　

Primary accounting practice　

Basis of economic law　

14:30－17:30　

Primary accounting practice　

Basis of economic law　

middle rank　

9-11 September　

8:30－11:15　

Intermediate accounting practice　

13:30－15:45　

financial management　

18:00－20:00　

economic law　

senior　

May 13th　

8:30－12:00　

Advanced accounting practice　

　　1. The primary qualification examination was conducted from May 13th to 17th, 2023, with a total of 10 batches. The examination duration of the subject of "Primary Accounting Practice" is 105 minutes, and the examination duration of the subject of "Basis of Economic Law" is 75 minutes. The two subjects are tested continuously, and the time cannot be mixed.

　　2. The Intermediate Qualification Examination was held from September 9 to 11, 2023, with 3 batches. The examination duration of Intermediate Accounting Practice was 165 minutes, that of Financial Management was 135 minutes, and that of Economic Law was 120 minutes.

　　3. Advanced Qualification Examination "Advanced Accounting Practice" The examination date is May 13, 2023, and the examination duration is 210 minutes.

　　If the time and batch of accounting qualification examination are adjusted, it will be notified separately.

　　(two) the primary and advanced qualification examination schedule

　　1. Before December 31st, 2022, the accounting qualification examination management institutions of all provinces, autonomous regions and municipalities directly under the Central Government, and the accounting qualification examination management institutions of Xinjiang Production and Construction Corps (hereinafter referred to as provincial examination management institutions) announced the subjects, examination time, registration date, registration method and other examination-related matters of the primary and advanced qualification examinations in this region in 2023, and copied them to the Accounting Department of the Ministry of Finance and the Accounting and Financial Evaluation Center respectively.

　　2. From February 7 to February 28, 2023, the registration system for the primary and advanced qualification examinations of "National Accounting Qualification Evaluation Network" was opened. In the above time, the provincial examination management institutions shall determine the registration start time in their own regions. Examination registration will be closed at 12:00 on February 28th, and payment will be closed at 18:00 on February 28th.

　　3. Before April 12, 2023, the provincial examination management institutions announced the start and end time of online printing of the admission ticket for junior and advanced qualification examinations in the region.

　　4. Organize the primary qualification examination from May 13th to 17th, 2023, and organize the advanced qualification examination on May 13th.

　　5. Before May 24, 2023, a national marking conference will be held, the marking work of the advanced qualification examination will be deployed, and standard answers and grading standards will be issued.

　　6. Before May 26th, 2023, the provincial examination management institutions shall collect all the batch examination data of the local primary qualification examination, and submit the submitted data to the Accounting and Financial Evaluation Center of the Ministry of Finance after checking the data integrity and handling the violation of discipline and regulation, and attach a statistical summary table and a list of submitted data.

　　7. Before June 7, 2023, the provincial examination management institutions organized and completed the marking of the local advanced qualification examination, submitted the marking data to the Accounting and Financial Evaluation Center of the Ministry of Finance, and attached the statistical summary table, list and written report of the marking work of the local reported data.

　　8. Before June 16, 2023, after data verification, the results of the primary qualification examination will be issued and published on the "National Accounting Qualification Evaluation Network". At the same time, the provincial examination management institutions publish the examination results, consultation telephone numbers and e-mail addresses in their respective regions.

　　9. Before June 30, 2023, after data verification and random inspection of marking quality are completed, the scores of advanced qualification examination will be issued and published on the National Accounting Qualification Evaluation Network. At the same time, the provincial examination management institutions publish the examination results, consultation telephone numbers and e-mail addresses in their respective regions.

　　10. Within 1 month after the announcement of the examination results and qualified standards, the provincial examination management institutions shall review and confirm the relevant information of qualified personnel, and submit the relevant information and written report of qualified personnel to the Accounting and Financial Evaluation Center of the Ministry of Finance.

　　(3) the examination schedule of the intermediate qualification examination

　　1. Before April 20, 2023, the provincial examination management institutions announced the examination-related matters such as the subjects, examination time, registration date and registration method of the 2023 intermediate qualification examination in the region, and copied them to the Accounting Department of the Ministry of Finance and the Accounting and Financial Evaluation Center respectively.

　　2. From June 20th to July 10th, 2023, the "National Accounting Qualification Evaluation Network" intermediate qualification examination registration system was opened. In the above time, the provincial examination management institutions shall determine the registration start time in their own regions. Examination registration will be closed at 12:00 on July 10th, and payment will be closed at 18:00 on July 10th.

　　3. Before August 15, 2023, the provincial examination management institutions announced the starting and ending time of online printing of the admission ticket for the intermediate qualification examination in the region.

　　4. Organize the intermediate qualification examination from September 9th to 11th, 2023.

　　5. Before September 20, 2023, a national marking conference will be held, the marking of intermediate qualification examinations will be deployed, and the standard answers and grading standards for subjective questions will be issued.

　　6. Before October 12, 2023, the provincial examination management institutions shall organize the marking of intermediate qualification examinations in their respective regions, submit the marking data to the Accounting and Financial Evaluation Center of the Ministry of Finance, and attach a statistical summary table, a list of reported data and a written report on the marking work in their respective regions.

　　In the marking process, the provincial examination management institutions should pay attention to the investigation of similar papers, especially the papers with high "same-to-same-error rate", and should organize experts to screen and judge them. If they are really similar papers, they should be dealt with in accordance with the Provisions on Handling Violations of Discipline in the Qualification Examination for Professional and Technical Personnel (Order No.31 of the Ministry of Human Resources and Social Security).

　　7. Before October 31, 2023, after the data verification and random inspection of marking quality are completed, the intermediate qualification examination results will be issued and published on the "National Accounting Qualification Evaluation Network". At the same time, the provincial examination management institutions publish the examination results, consultation telephone numbers and e-mail addresses in their respective regions.

　　8. Within 1 month after the announcement of the examination results, the provincial examination management institutions shall review and confirm the relevant information of qualified personnel, and submit the relevant information and written report of qualified personnel to the Accounting and Financial Evaluation Center of the Ministry of Finance.

　　V. Other matters

　　(a) the local examination management institutions should organize online registration according to the unified time and procedures, examine the examination qualifications of applicants in strict accordance with the unified national examination registration conditions, and do a good job in the examination of registration qualifications seriously and responsibly.

　　(II) The provincial examination management institutions should complete the pre-examination preparations such as the training of invigilators and examination staff two days before the start of the examination, complete the testing of all test sites, examination rooms and examination machines within one day before the start of the examination, and do a good job in the preparations for preventing and cracking down on cheating activities.

　　(III) Examination management institutions at all levels should improve their service awareness, be serious and responsible, do a good job in all aspects of examination management carefully, and inform candidates of the examination schedule and related matters in time to ensure the successful completion of the work of the 2023 accounting qualification examination.

　　(IV) Examination management institutions at all levels shall, in accordance with the requirements of epidemic prevention and control in COVID-19 and the requirements of the Ministry of Human Resources and Social Security on doing a good job in the professional qualification examination for professional and technical personnel under the normalization of epidemic prevention and control, timely judge the situation, formulate epidemic prevention and control measures and emergency plans, and do a good job in epidemic prevention and control during the examination period. In case of sudden epidemic and emergency, it is really impossible to organize the examination normally. After consulting the local leading group for epidemic prevention and control, the provincial examination management institution will announce to the public to suspend the examination of the relevant examination areas and test sites, and report to the Accounting and Financial Evaluation Center of the Ministry of Finance for the record. The relevant examination management institutions should explain the work to the candidates.

　　(five) due to epidemic prevention and control reasons can not participate in the intermediate qualification examination, the validity period of the intermediate qualification examination results that the applicants have obtained is extended by one year.

　　(six) before November 30, 2023, the provincial examination management institutions completed the sealing, registration and filing of the relevant materials of this year’s examination work, and submitted the summary of the examination work in 2023 to the Accounting Department of the Ministry of Finance and the Accounting and Financial Evaluation Center respectively.

This year, Harbin invested 150 million yuan to implement the comprehensive renovation of existing buildings with energy saving and livable capacity of 500,000 square meters. The renovation project is expected to be completed in October as a whole. among

Daoli District Gongle Community is about 300,000 square meters;

The community of Minxiang District in Xiangfang District is about 200,000 square meters.

In the process of the author’s field investigation, residents in the reconstruction area are worried about whether the effect after the completion of the reconstruction can be maintained for a long time. Residents outside the renovation area are worried that there will be no chance of renovation in their own community in the future if they rely solely on government funding. In fact, as a national key livelihood project, the renovation of old residential areas has been in the process of development and exploration. From the pilot projects in various places, many "detours" that are easy to take have been found and summarized, among which the most fundamental crux is that the current government investment model adopted by local governments is unsustainable and has not reached the height of sustainable and healthy development of old residential areas.

To this end, the author specially interviewed the only old community renovation industry association in our province-Heilongjiang Old Community Renovation Industry Alliance. Based on the actual development needs of old communities, after years of exploration, they have formed a complete project plan of "reform-construction-transportation" investment, financing, construction and operation integration mode, which has been highly recognized by the national research group. Today, let them answer questions and support the development of old communities.

Question 1: For a long time, the government has always been the main investor and leader in the renovation of old residential areas. Property, heating enterprises, residents and social forces are all partially involved or partially benefited, so it is difficult to form a joint force, and even have a negative impact of "not pleasing the output". How can we solve this situation?

Suggestion 1: Rationalize the rights and responsibilities and turn government investment into a market-oriented development mechanism.

Change ideas, straighten out rights and responsibilities, create a new development mechanism of "who invests, who builds, who operates, who maintains and who benefits", reduce the direct intervention of the government in project construction and operation activities, and form a new pattern of diversification of investment subjects, multi-channel sources of funds and marketization of project construction, so as to form a new social governance subject, which not only makes the participating forces diversified and diverse, but also brings about the growth of governance forces, the sharing of responsibilities and the common solution of difficulties.

The government will change from "all-encompassing" to "grasping the overall situation, gathering strength, managing major events and strengthening guidance", social forces will change from "participation" to "main investment, integrated construction, diversified operation and always responsibility system", and residents will change from "supported by machinery" to "full participation, active promotion and value reconstruction", and finally gain a sense of participation, belonging, responsibility and responsibility.

Question 2: Due to the problems left over from history, most of the old residential areas are supervised by state-owned properties. If the new development mechanism of "who invests, who builds, who operates, who maintains and who benefits" is adopted to manage the old residential areas, how can the original property management company be positioned?

Recommendation 2: Transforming state-owned property into a direct participant in the transformation of old residential areas through mixed ownership reform.

The original state-owned property companies are struggling to collect property fees due to the concept gap between residents and property companies and the contradiction between supply and demand. Obviously, they no longer have the ability of investors. However, they can also seek the two ways to transform old residential areas and change the predicament of state-owned properties through mixed ownership reform with investment and construction enterprises willing to participate in the transformation of old residential areas, so as to ensure the sustainable development of the transformation of old residential areas and reduce the pressure on the government.

Question 3: The renovation of old residential areas is a long-term process, which requires a huge amount of capital investment. Such a large amount of investment is only a drop in the bucket by the government, so where does the money come from?

Suggestion 3: Use the market-oriented path to build today’s blueprint with tomorrow’s income

The transformation of old residential areas is not a burden to the city, but a huge stock resource of the city. It is necessary to consider the value appreciation of its whole life cycle, realize the balance between supply and demand of funds through operation, and build today’s blueprint with tomorrow’s income. We can follow the all-round financing mode of "multi-party sharing, market-oriented operation and self-balancing of funds" to let the market participate more in the transformation of old urban residential areas, explore the use of original space resources to package value-added benefits into corresponding assets, build a number of listed enterprises through resource capitalization and asset securitization, and form a three-dimensional financing effect with market-oriented channels and various financing modes to raise funds for the transformation of old residential areas, thus forming a benign fund source mechanism.

Question 4: In the past, residents’ participation in the renovation of old residential areas was limited. Will their roles change in the future development?

Recommendation 4: Use the concept of "co-creation" to stimulate the enthusiasm of residents in the community.

Give full play to the concept of "co-creation" and let the residents of the community really participate in it from the beginning of the transformation. Will it be changed? How to change? Asking for the needs of the people will fully stimulate the enthusiasm of the residents and make them find a sense of belonging and accomplishment. In the subsequent operation stage, by revitalizing the existing resources and adding supporting projects, a community of interests composed of enterprises as carriers, communities as business units and residents will be formed, which will provide a platform for residents in communities who are still able to work and are idle at home, gain economic benefits by participating in construction and management, and turn residents from users into investors, builders, employees and managers. Give full play to the positive role of community autonomy, self-care and self-management with the mechanism of national participation, and realize decision-making collusion, development and co-construction, joint management of construction, effect evaluation and achievement sharing.

Question 5: The country began to carry out general energy-saving renovation of old residential areas during the Eleventh Five-Year Plan period. However, after several years of use, the renovation effect has been difficult to maintain, and many renovation contents have been damaged to varying degrees. How to maintain the new management after the renovation?

Recommendation 5: Multi-means intervention to achieve long-term governance and consolidate the transformation results.

Solution: After the renovation is completed, the project implementation unit will take over the property management with the lifelong responsibility mechanism of who invests, who builds, who operates, who maintains and who benefits. Based on the improved living environment, it will improve the property service, enrich the community facilities, and develop the value-added industrial chain to lay out the commercial service mode of the whole industrial chain, so as to realize the healthy development of the old community. By way of franchise, "tangible assets and space resources" will be changed into long-term operating assets, and additional supporting facilities and incremental assets will be combined to activate the hematopoietic function of old residential areas with operating assets, and finally the operating income will be used to cover the cost of transformation, so as to realize closed development and achieve multi-benefit results of satisfaction of owners, society, enterprises and government.

The transformation of old residential areas can not only be regarded as the need of survival, but also the need of urban development and social progress. Through the integrated mode of investment, financing, construction and operation of "reconstruction and transportation", the cultural features can be reshaped, forming a complete urban feature from residential area, community, block to urban area, transforming the cultural value of the city into economic value and tourism value, and casting a new model of a city that is livable, suitable for business and suitable for travel; With diversified implantation of service functions, a new pattern of co-investment, co-construction, co-management and sharing with residents’ needs as the main body and the participation of the government, property companies, mass organizations and social forces will be formed to create a new urban complex integrating medical care, pension and vacation; Establish the sustainable development mode of the whole industrial chain of multi-format, multi-mode and group operation service companies by adding supporting space and supporting services, form a new industrial cluster around the demand of old residential areas, stimulate economic development, stimulate the vitality and vitality of the old urban areas, so as to promote the integration and coordinated development of the new and old urban areas in an all-round way, optimize the urban spatial structure, enhance the function of urban carriers, shape urban brands and boost urban visibility. The integrated mode of investment, financing, construction and operation of "reconstruction and transportation" can provide a new solution for the reconstruction and development of old residential areas in the future, and it is also a "good medicine" for the future development of old residential areas.

　　The recent intensive bank annual reports show that the retail business is becoming an important source of income for many banks, accounting for even more than half of the revenue in some joint-stock banks. Among them, credit card business has become the "main force" of bank retail business. In the past year, the volume of cards issued by five banks, including ICBC, CCB and BOC, has exceeded 100 million, and the total credit of credit cards has also increased significantly. Experts said that the enhancement of consumption driving force and the promotion of strict financial supervision are the main reasons driving banks to launch their retail business. Among them, the operation mode of credit card business is relatively simple and the profit mode is diverse, which has become the main force point of bank retail business. However, it is worth noting that with the substantial increase in the number of cards issued, the non-performing rate of credit cards has also risen, and the risks brought about by this are worthy of vigilance.

　　What is the focus on retail business?

　　The annual reports of many banks show that retail business is becoming an important source of income, accounting for more than half of the revenue in some joint-stock banks. For example, in 2018, China Merchants Bank’s retail financial business revenue was 123.257 billion yuan, a year-on-year increase of 16.04%, accounting for 52.69% of the total revenue. Ping An Bank’s retail business revenue was 61.883 billion yuan, a year-on-year increase of 32.5%, accounting for 53.0% of the total revenue. The net income of retail business of Shanghai Pudong Development Bank was 66.326 billion yuan, with an increase of 16.15%, accounting for 42.48% of the bank’s net operating income, making it the largest revenue segment.

　　The Postal Savings Bank, which was included in the sequence of "large state-owned commercial banks" for the first time this year, also made clear its strategic goal of continuing to develop its retail business. At the performance conference of the Postal Savings Bank, Zhang Jinliang, the proposed chairman, said that the Postal Savings Bank will adhere to the strategic vision of "building a first-class large-scale retail commercial bank" and continue to consolidate the strategic foundation position of the retail business. Around this strategic goal, the Postal Savings Bank is now vigorously promoting business transformation.

　　Why are banks so enthusiastic about retail business? Dong Ximiao, vice president of Chongyang Financial Research Institute of Renmin University of China, said in an interview with the Economic Information Daily that there are important internal and external reasons why commercial banks have invested in retail business. First of all, China’s economic environment has entered a stage of high-quality development, and consumption has become the first driving force for economic growth, promoting the development of bank retail business. Secondly, with the continuous promotion of strict financial supervision, the regulatory requirements for corporate business and inter-bank business of banks have been continuously improved, some businesses have shrunk, and retail business has become a new growth point. The narrowing of spreads, financial disintermediation and the increase of bad pressure also make the development of retail business an inevitable trend. In addition, the development of financial technology also brings more opportunities to the retail business of banks.

　　However, Dong Ximiao also said that the strategic strength of banks in retail business remains to be seen. "The investment cost of retail business is high. Most of the existing retail business models are characterized by cost-driven and crowd tactics, which are time-consuming and laborious, difficult to make profits and slow to get results." He said.

　　The surge in credit card volume has spurred revenue growth.

　　Among many retail businesses of banks, credit card business is particularly eye-catching. As can be seen from the annual reports of many banks, the volume of credit cards soared in 2018, and the credit card business became the "main force" for banks to transform into retail business.

　　The report on the overall operation of the payment system released by the central bank recently shows that in the past two years, the number of credit cards issued in China has increased by 221 million; The per capita holding of credit cards rose from 0.31 to 0.49. The total credit granted by bank cards increased by 6.26 trillion yuan, while the balance of credit payable increased by 2.79 trillion yuan.

　　This "Great Leap Forward" momentum of credit cards can also be seen from the 2018 bank annual report. According to the annual report of CITIC Bank, by the end of last year, the bank had issued a total of 67.05 million credit cards, an increase of 35% over the end of last year. In the whole year, 17.48 million new cards were issued, an increase of 43% over the previous year. According to the disclosure of Shanghai Pudong Development Bank, by the end of last year, the bank had issued 56.5 million credit cards, a year-on-year increase of 37%; The number of cards in circulation was 37.5 million, an increase of 40% over the end of last year.

　　Judging from the overall scale of credit card issuance by banks, among the banks that disclose credit card performance at present, ICBC occupies a dominant position in terms of scale, with the total number of credit cards reaching 151 million. In 2018, after ICBC, CCB and China Merchants Bank, the card issuance scale of BOC and ABC also exceeded 100 million.

　　Dong Zheng, a credit card researcher, said in an interview with the Economic Information Daily that the reason why credit cards can become the focus of banks’ retail efforts is because they have obvious advantages compared with other traditional retail businesses. First of all, the credit card business relationship is relatively simple. "Unlike savings cards, credit cards don’t need deposits or funds. Cardholders can conduct corresponding business operations without establishing traditional account relationships with banks. For banks, the business model is simpler." Dong Wei said. Secondly, Dong Zheng pointed out that credit card development scenarios and profit models are more diverse, and people can be subdivided through consumption characteristics to achieve accurate positioning of different customers.

　　With the rapid increase in the volume of credit cards, credit card transactions have increased substantially, and the income of related businesses has also risen. According to the annual report data, in 2018, China Merchants Bank’s credit card operating income reached 66.7 billion yuan, ranking first among the banks that have announced the credit card business revenue. Everbright Bank is 39 billion yuan, with a growth rate of over 39%, ranking first in the growth rate.

　　Wang Ximei, an analyst at Analysys Financial Center, told reporters that in the transformation of the bank’s retail business, the credit card business has strong profitability, which can also drive the development of other banks’ businesses and bring a large increase in revenue for banks. At present, the main income sources of credit cards are interest income and installment fees. Interest income mainly comes from the interest charged by the bank for the cardholder’s failure to fully repay the credit card overdraft; The installment fee is the fee charged by the bank for the cardholder’s installment repayment, including cash installment, bill installment, consumption installment and merchant installment.

　　The risk of rising credit card non-performing rate needs to be vigilant

　　According to central bank data, as of the end of 2018, the total outstanding credit of credit cards overdue for half a year was 78.861 billion yuan, accounting for 1.16% of the credit balance of credit cards, down 10.48% from the previous month, but up 18.92% from the same period last year. Insiders pointed out that it can be seen from the data that although year-end supervision has played a certain role in risk management and control, credit card risks are still under great pressure as a whole.

　　From the perspective of specific banks, the non-performing rate of credit cards in some banks has also shown signs of rising. For example, in 2018, the balance of credit card non-performing loans of CITIC Bank was 8.195 billion yuan, with a non-performing rate of 1.85%, up 0.61 percentage points from the end of last year; The overdue credit card loans reached 15.85 billion yuan, with an overdue rate of 3.59%, up 0.84 percentage points from the end of last year. The balance of credit card non-performing loans of Shanghai Pudong Development Bank was 7.832 billion yuan, with a non-performing rate of 1.81%, up 0.49 percentage points from the end of last year, and rising for two consecutive years. The NPL ratio of credit card loans of Ping An Bank was 1.32%, up 0.14 percentage points from the end of last year.

　　In view of the risk of credit card business, the annual report of CITIC Bank pointed out that in recent years, personal consumer finance business has developed at a high speed, personal loan business has gradually expanded from commercial banks to various consumer finance companies and Internet platforms, and the phenomenon that individual consumers borrow from many financial or quasi-financial institutions at the same time is increasing. Affected by the macro-economic and regulatory environment, the asset quality of the co-debt customers has shown some signs of deterioration, and it has affected the credit card industry to some extent.

　　Dong Zheng said that the current credit card risks mainly come from Internet finance fields such as online loans. "For example, some people rely on credit cards to cash out and then invest their money in online lending platforms. Once these online lending platforms have problems, the corresponding risks will be transferred to the issuing bank." He said. In this regard, he said that banks should strengthen big data risk control, effectively screen high-quality customers and reduce potential risks. At the same time, banks should also reasonably control the credit line, do not blindly take high credit as bait to attract customers, but also avoid multi-head credit and repeated credit.

　　Wang Ximei said that the sharp increase in credit card issuance may have potential risks such as excessive credit to low-end customers and joint debt. Credit card risk management can be strengthened by optimizing customer base structure, focusing on tapping high-quality customers, optimizing credit card risk control system and strengthening overdue collection of credit cards.

[Editor’s note] In recent years, characteristic towns have sprung up everywhere, which is an important starting point to help supply-side reform and rural revitalization. Regrettably, many characteristic towns have become "performance towns", and it is common to emphasize real estate over industry, development over management, and commerce over culture. How to correct the wrong direction and jump out of the development trap?
　
Today, CCTV Online Review published the second article in a series of comments on "There are many strange images in characteristic towns".

Characteristic towns have become an important "key" for the country to crack the urban-rural duality, industrial agglomeration and cultural inheritance. After the flowers bloom everywhere, problems also follow.In some places, under the banner of "small towns", the practice of "enclosure" has become a replica of real estate development.

　Turning to the list of the top 100 real estate enterprises in China, most real estate enterprises are involved in the development and construction of characteristic towns to varying degrees. Under the general environment of stricter regulation and control of real estate, limited financing and tight finance, housing enterprises "spend the winter" and local governments "tighten their belts" are all facing growth pressure. The characteristic towns seem to be "rain from heaven", and some places and housing enterprises are habitually "agitated".
　
Taking the old road of land finance and real estate development and engaging in "fake towns and real estate" is a "good idea". Some places plan characteristic towns with the idea of building industrial parks under the policy dividend of characteristic towns. Developers use the "hat" of characteristic towns to obtain cheap industrial and commercial land and carry out real estate development; In order to make up for the previous investment, we got a lot of high-quality and cheap secondary land from the local government through the first-level land consolidation for development, and made huge profits through the price difference, which pushed up the local housing prices.
　
We should guard against another bubble bursting. Although the early investment and construction of some characteristic towns are inseparable from real estate development, they even need real estate sales and rental. The terrible thing is that the concept of housing enterprises has not changed, and towns have been developed by the way of making money in the past, with emphasis on marketing and light operation, and with stories and concepts, local housing prices have been inflated, which has discouraged enterprises and talents from making money and leaving them, leaving "empty towns" and "ghost towns".
　
The development and management of characteristic towns is a delicate work, but also a slow work, which should be treated with the spirit of "embroidery needle"If you can’t make it, it’s a political achievement. If you screw it up, it’s an experiment. We should scientifically certify and strictly examine and approve characteristic town projects, especially those involving the linkage of primary and secondary land markets and a large number of one-off land purchases, so as to prevent some bad real estate developers from deviating from the original intention of the country to build characteristic towns, exploiting policy loopholes and engaging in real estate in disguise.
　
The development level of characteristic towns in China is still small and new, so it is inevitable to go through the process from "chaos" to "governance" and be prepared for "long-term success".Previously, the regulatory authorities delineated four red lines in the construction of small towns: "strictly guard against government debt risks, strictly control the tendency of real estate, strictly save intensive land, and strictly observe the red line of ecological protection", and also delisted a number of unqualified towns. A town with real vitality is an endogenous cycle of industry, with a unique culture, and the people live and work in peace and contentment. It is by no means a high-rise building or an image project. The process of cultivating characteristic towns must be long-term, which is the result of market choice. If administrative means are not ordered, money cannot be spent.
　
The development of characteristic towns should be guided by the trend, adapted to local conditions, suitable for local customs and humanities, and stand the test of history. In practice, we need to be targeted, focus on the existing industrial base and regional future planning according to the economic characteristics of various places, and selectively carry out pilot projects for the construction of characteristic towns. We should not rush into the horse and start work quickly. We need to make a decision before making a decision, tailor our measures, explore successful experiences through meticulous cultivation, and then gradually spread them out, so that the construction of characteristic towns can truly become an important carrier for high-quality economic development and cultural inheritance.

　　In the first quarter, Guangdong invested 0.31 trillion yuan in real estate development, down 2.7% year-on-year. Among them, investment in commercial housing decreased by 1.2%.

　　Regionally, the investment in real estate development in the core area of the Pearl River Delta decreased by 1.9%, the coastal economic zone decreased by 3.1%, and the northern ecological development zone decreased by 11.1%.

　　annotations

　　1. Interpretation of main indicators

　　Investment completed by real estate development enterprises this year: refers to all the investment completed during the reporting period for housing construction projects, land development projects, public welfare buildings and land purchase fees. This indicator is cumulative data.

　　2. Statistical scope

　　All real estate development and operation legal entities.

　　3. Investigation methods

　　Conduct a comprehensive survey on a monthly basis (except January).

　　4. Division of economic regions

　　The core areas of the Pearl River Delta include 9 prefecture-level cities including Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing. The coastal economic belt (east wing and west wing) includes seven prefecture-level cities: Shantou, Shanwei, Chaozhou, Jieyang, Yangjiang, Zhanjiang and Maoming. The northern ecological development zone includes five prefecture-level cities: Shaoguan, Heyuan, Meizhou, Qingyuan and Yunfu.

　　5. Calculation of growth rate

　　In this paper, the year-on-year growth rate of real estate development investment is nominal growth rate.

Xintai Line, which is under the jurisdiction of Jinan Railway Depot, Jinan Railway Bureau, has many crossings, pedestrians and vehicles. The attendant in the driving room promptly informs the crossing workers that there is a train passing by, so as to prevent the problem of "mistakes, omissions and forgetfulness", which is very important for crossing safety. Since the development and application of crossing warning system in this section, whenever a train approaches the station, the system will send out a voice warning to remind the duty officer to inform the crossing workers, and the crossing safety has realized double insurance of machine control and human control.

The person who developed this crossing prompt system is Lu Baohua, the director of the technical department of Jinan Railway Depot. Over the years, Lu Baohua has researched and developed more than 40 safety management application systems. At the end of last year, he became an outstanding professional in the first batch of "1231" backbone talents project of Jinan Railway Bureau, and enjoyed the talent allowance.

From "soil expert" to "programming expert"

It’s true that Lu Baohua is a "soil expert". He graduated from high school, has no training in programming professional systems, and has been studying hard just because he likes to study electrical maintenance and computer technology, and has become a "master" who can write programs and software. 　　

In 1986, Lu Baohua worked as a connector at Zaoyuan Station for two years, and then transferred to Duan to be responsible for the maintenance of shunting walkie-talkies, which lasted for more than 30 years.

During his work, Lu Baohua became interested in computers. At that time, the price of a desktop computer was 30 thousand to 40 thousand yuan, while the monthly income of employees was only 100 yuan. In order to study computer principles and learn programming techniques, Lu Baohua saved 2000 yuan, bought motherboards and accessories, and assembled an 8086 computer with a shoe box as the chassis and a black-and-white TV as the screen. It is this machine that runs DOS system, has no mouse and hard disk, and has opened another field that he still loves today — — Computer programming.

The road to study and study technology is boring, but the experience of exploring new knowledge is happy. In order to understand the programming language, he dug out the high school textbook again and carefully reviewed English words; In order to understand the concept of function, he humbly asked young students; In order to adapt to the hardware upgrade, he scrimped and saved to update accessories.

Heaven rewards diligence. After several years of self-study, Lu Baohua mastered the programming technology. In 2000, he completed the compilation of the home page of the first office network in the train operation depot. Today, the homepage of Duan Office Network, which has been revised by him for many times, has maintained stable and efficient operation.

Concentrate on programming and take the lead

In 2004, Lu Baohua undertook the important task of developing the "Safety Management Information System" in the section. Compared with office web pages, this system is more logical and complicated to write.

Combining his years of driving experience, he began a difficult climb in the field of programming. He learned and tried again and again, analyzing function by function, testing module by module, writing down millions of bytes of code, and often reinventing himself because of a new inspiration and a new idea.

After half a year’s unremitting efforts, the "Safety Management Information System" has been developed and successfully put into use. Section safety management, information reporting and problem handling have been networked, open and visualized, and safety management has become more standardized and efficient. In 2005, "Safety Management Information System" won the third prize of scientific and technological progress of Jinan Railway Bureau.

Since then, Lu Baohua has provoked the whole system development, and successfully completed one management system after another. His newly developed version of "Safety Management Assessment System" has realized the intelligent management of safety problem entry, inquiry, statistics and assessment, greatly improved the work efficiency and made the assessment more open and transparent. The "Construction Management System" developed by him manages all the information such as construction content, registered stations, related stations, speed limit, safety measures, marking and controlling personnel, etc., and the formulation, review and approval of construction safety measures and operation processes are all carried out online, and the safety agreements signed with various units are also entered into the system, which makes the responsibilities and rights of construction safety management more clear and the process records well documented.

Strive for Excellence and pursue the ultimate

Lu Baohua is a persevering person who strives for perfection, and constantly revises and perfects the developed system to achieve perfection. The "Electronic Account Management System" developed by him was officially put into use in January this year. Information such as which reports each station needs to report, whether there is any omission or late reporting, whether the account records are filled in in time, etc. can be seen at a glance on the Internet, and the account is paperless.

Although the system has won unanimous praise from cadres and workers after its application, Lu Baohua feels that there is still room for improvement. He pointed to the computer screen and said, "When you look at this spreadsheet, when you pull it down, you can only see the numbers line by line, but you can’t see the column contents above, which is very inconvenient, so I made an improvement to make the column contents move down automatically with the table, so that even if you look at the numbers in the bottom line, you can know which column contents it is." Lu Baohua said this problem, many people will encounter at work, but he used his "super brain" to solve this problem for everyone.

Lu Baohua, 53 years old, has an ingenuity of Excellence and perfection under his ordinary appearance. He said: "every management system developed is a work made with painstaking efforts. Striving for perfection is my pursuit of work and the joy of my life." (Text/Jing Hui Wang Tian)

Recently, the topic of "the face value of Nortel School Flowers after 00" has set off a hot discussion in Weibo. Rao Jiadi, the flower of Nortel School after 00, entered the hot list with outstanding face value and unique temperament. Rao Jiadi, a new school flower, not only conquered many netizens with her beauty, but as a new actor, she has tried different styles of roles in many excellent works with her solid basic skills and deep understanding of roles. These works to be broadcast continue to attract the attention and expectation of netizens with her excellent production team and excellent cast!

In the "Fox Demon Little Matchmaker Wang Quan" co-starred with Cheng Yi and Li Yitong, he played the beautiful snow demon with a black belly; Esther Yu and Ding Yuxi co-starred in "Staring at the Milky Way at Night", playing a witty and kind peach. The latest work is "Jin Yue Ru Ge" starring Zhou Ye and Cheng Lei, and it is also a work that has attracted much attention from netizens recently. The work being filmed is "How to Beat Her Charming" co-starred with Jelly Lin and Alen, in which she plays the innocent and innocent Liu Tang. Rao Jiadi constantly deepened his understanding of performance in his role changes again and again.

As the school flower of Nortel, Rao Jiadi is naturally widely recognized in terms of face value. Her innocence and charm coexist, whether it’s a sweet smile or a loving eye, people will never forget it. And her modeling in the play is even more varied. This kind of immortal face value with exquisite makeup adds a lot of highlights to her dramatic increase in waiting to be broadcast.

Rao Jiadi’s drama to be broadcast covers a variety of types of people, from gentle and lovely to enchanting and black, and each work is full of challenges and surprises.

Xiaobian also found that this school flower is not only as simple as the face value. Privately, Rao Jiadi is a treasure girl with many possibilities. Surprisingly, Rao Jiadi also participated in the short film of the opening ceremony of the 2022 Winter Olympics-Countdown: beginning of spring.

At that moment, she interpreted her youth and dreams in a different way. Her figure shines on the screen, showing the vitality and grace of China youth to the world. This experience has undoubtedly added a lot of color to her multifaceted life.

In private, Rao Jiadi is a ghost horse girl full of youthful vitality, sometimes quiet, sometimes jumping out, having her own unique spiritual world, full of curiosity and keeping love for the world. The photo of the private server makes Xiaobian feel that Rao Jiadi has a natural feeling of coolness and no distance. There is always something special about beauty, and Rao Jiadi’s canthus mole also increases her recognition among the flowers.

In the future, with the series of dramas to be broadcast, I believe Rao Jiadi will give back the love of netizens with more vivid characters and excellent works. Let’s look forward to the wonderful blooming of the 00-year-old Nortel school flower on the screen, which will bring us more surprises and touches! # Rao Jiadi’s new drama expectation # # Nortel school flower Rao Jiadi # # Yan value and strength coexist #

On November 10th, China Fudan Hospital Ranking was just released, which was released by Hospital Management Institute of Fudan University. Drawing lessons from the evaluation method of "Best Hospital Ranking" in the United States, it adhered to the core of clinical discipline level and specialty reputation, taking into account the scientific research output of that year, which attracted great attention.

However, on a global scale, which city has the strongest comprehensive strength in cancer treatment, do you know? A few days ago, Britain also published a "list of the best hospital cities in 2019", which evaluated the overall level of cancer treatment in 100 cities around the world from three aspects: infrastructure, nursing quality and access rights.

The survey found that Tokyo, Japan is one of the best cities for cancer treatment in the world. Japan’s capital ranks first in the efficiency of cancer treatment, with the highest score in the overall quality of diagnosis and treatment, the largest number of first-class hospitals, and a high score in accessibility.

The second best hospital for cancer treatment in the world is located in Boston, Massachusetts, USA. Its infrastructure score is the highest, including the number of first-class medical universities, first-class hospitals and sufficient mental health counseling experts for patients.

The third place is London, England, followed by Paris, France, and Seoul, South Korea ranks fifth. It should be emphasized that this survey only examines the overall situation of hospitals in specific locations, not individual institutions.

Beijing is the only city in China, ranking 83rd. It performed well in the management of adverse events, drug prices and disposable medical expenses. In contrast, Beijing, Dubai, United Arab Emirates and Krakow, Poland were rated as the three cities with the worst cancer treatment efficiency, indicating that we still have a lot of room for improvement.

01

Japan, the leading cancer treatment technology in the world.

As early as 30 years ago, Japan began to study cancer cure methods and constantly broke through innovation. Among them, the professional anti-cancer physical examination institution, the specialized cancer treatment hospital, has long been famous all over the world.

Nowadays, Japan has gradually formed a mature cancer screening, cancer treatment and cancer recurrence prevention as three steps to prevent and treat cancer. No matter TV, magazines and new media, they will try their best to popularize the significance of early onset and active treatment of cancer, which has been endorsed by many medical schools and research institutions at home and abroad.

Japan’s 30 years of painstaking research on cancer has created a world-leading cancer prevention and control system, making Japan second to none in the field of cancer treatment in the world, thus attracting a large number of foreign patients to receive treatment and examination.

Japanese cancer treatment has three characteristics: high cure rate, small side effects and low recurrence rate. Before receiving Japanese cancer treatment, the patient underwent a Japanese cancer physical examination, and the smallest cancer below 5 mm can be found, which is in stage I, and the cancer cells have not infiltrated (on the epidermis and mucosa, and have not penetrated into the muscles), spread (spread to all organs), metastasized (transferred to other organs), or even stage 0 (primary cancer). It is fortunate to find such a cancer, which can be cured by resection. If you pay attention to lifestyle changes, it will generally not recur.

Known as the king of cancer, the early detection rate of pancreatic cancer is very low, only 5% ~ 7%. If doctors are inexperienced, pancreatic cancer is often misdiagnosed as gastrointestinal or hepatobiliary diseases, and the misdiagnosis time is generally as long as 3 ~6 months. Most patients can’t be surgically removed when they are diagnosed, and they will die in about half a year, and the survival rate after 5 years of operation is less than 5%.

In Japan, the 5-year survival rate of pancreatic cancer can be kept at a high level of about 42% through early cancer prevention and early treatment.

Good treatment, we must protect the normal tissue.

Japan’s leading cancer treatment technologies mainly include heavy ion therapy and proton therapy. Among them, heavy ion radiotherapy and proton radiotherapy are the most advanced radiotherapy methods to treat tumors, and their clinical effects are comparable to those of scalpels.

Doctors only need to aim the particle beam of heavy ions and protons at the tumor to take a photo, and the tumor tissue will die quickly. It has almost no harm to the healthy tissue around the tumor, and it sweeps away the skin damage, visceral damage such as radiation-induced pneumonia, bone marrow suppression, hair loss, low immunity, etc. brought by all the common radiotherapy methods at present, and it has no bleeding, infection, accidental injury, etc. caused by the scalpel, so it is called the magical invisible scalpel.

02

Heavy ion therapy

Heavy ion therapy is mainly used to treat local malignant tumors, especially diseases that are difficult to cure by traditional methods. Compared with other common radiotherapy, it can accurately locate tumor tissue and reduce the damage to surrounding normal tissue.

Because the types and spread of cancer cells are different, the treatment methods are also different. Whether heavy ion therapy can be carried out needs to be judged in advance. According to the comprehensive research institute of radiation medicine, the statistical results of patients who have received heavy ion therapy so far clearly show that:

(1) It has a good effect on treating the following malignant tumors, namely, cervical cancer (including eye cancer), intracranial and skull base cancer, lung cancer, liver cancer, prostate cancer, bone cancer, soft tissue cancer, uterine cancer and local recurrence in pelvis after rectal cancer operation.

(2) A series of cancers that are resistant to ordinary radiation (such as X-rays) have a good effect, such as well-differentiated adenocarcinoma, adenoid cystic carcinoma, hepatocellular carcinoma, bone cancer, cartilaginous carcinoma and malignant melanoma.

However, large-area metastatic cancer is not suitable for heavy ion beam therapy. There are patients such as hematologic cancer, gastric cancer, colorectal cancer (primary site), and patients who have received radiotherapy in the same place before. Please consult a doctor for details.

03

Proton therapy

Proton particles are extremely tiny, and one trillion protons are only one millimeter long in a straight line. Protons are positively charged, which can be made to move at high speed by electric field, reaching extremely high energy. Using proton accelerator to generate high-energy proton beam, which is injected into human body under precise control, can accurately release energy to the lesion to achieve therapeutic effect, which is the technical superiority of proton therapy.

Because proton therapy has the characteristics of strong penetration, good dose distribution, high local dose, less side scattering and small penumbra, it is especially suitable for treating tumors surrounded by important tissues and organs.

The cancers suitable for proton radiation therapy mainly include head and neck cancer (nasal cavity and paranasal sinuses, throat, salivary glands, skull base, etc.), lung cancer, liver cancer, prostate cancer, bladder cancer and other primary tumors. In addition, it can also treat pelvic recurrence and single metastatic tumors (liver metastasis and lung metastasis) after rectal cancer surgery.

We live in an era when we talk about the discoloration of cancer. Cancer is not an incurable disease, but a chronic disease that can be prevented in advance, that is to say, cancer is not a terminal disease.

For patients, if cancer is unfortunately detected, we must pay attention to the opportunity of "first treatment". Because the medical results are often irreversible, the chances of cure for almost all cancers may mainly depend on the first treatment. Japan is a country that attaches great importance to surgery, and the top hospitals for cancer treatment are all famous for surgery. For patients who have surgery opportunities, they can make rational choices according to their own conditions.

According to the Nihon Keizai Shimbun, 75% of cancer patients in Japan did not leave their jobs due to illness, and 80% of them said that their treatment would not affect their work. The reason is that most cancer patients in Japan are found early and treated early, and early cancer can be basically cured without affecting their normal work and life.

04

Cancer screening

Toshiba Corporation of Japan issued a statement on November 25th, saying that it has developed a method to diagnose cancer through blood test with an accuracy rate of 99%.

The basis of diagnosis is to determine the type and concentration of small noncoding RNA molecules secreted by cancer cells into the blood. The whole analysis process only needs one drop of blood and lasts about two hours. Therefore, the company has specially developed a portable device with a built-in diagnostic chip.

This method can diagnose 13 kinds of cancers, including gastric cancer, breast cancer, liver cancer, esophageal cancer, pancreatic cancer, intestinal cancer and bladder cancer. Toshiba said that even in the earliest stage of cancer, this method is still effective.

In recent years, the number of cancer patients has been increasing, and Japan has been actively developing new anti-cancer methods. Moreover, in this respect, artificial intelligence has begun to be more and more widely used.

In addition, according to statistical reports at home and abroad, the comprehensive cure rate of gastric cancer in Japan is as high as 80%, and the first-stage gastric cancer even reaches 98.1%! Far more than 30%~40% in China and the United States, it can be said that it stands out from the crowd and dumped us several blocks. Rich people can go to Japan for physical examination and surgery. What should ordinary people do?

We might as well learn from Japan’s anti-cancer experience, and truly achieve early prevention, early detection, early diagnosis and early treatment, and reject gastric cancer thousands of miles away!

The 5-year survival rate of gastric cancer in Japan is high, because most of the patients detected are early patients, the disease develops slowly, and the probability of recurrence and metastasis is low. At the same time, because of their young age and good physical condition, they are more tolerant to surgery, radiotherapy and chemotherapy, and the treatment effect is of course good. Japan’s secret to deal with gastric cancer is early screening, early detection and early treatment.

In 1964, 400,000 people were screened, by 1970, 4 million people were screened, and after 1990, about 6 million people were screened for gastric cancer every year. The early diagnosis rate of gastric cancer in Japan is as high as 50% to 70%, while the cure rate of early gastric cancer is more than 90%, even close to 100%.

In the United States, the incidence of gastric cancer is very low, which is a rare disease. Compared with breast cancer, colorectal cancer and prostate cancer, Americans pay relatively little attention to the prevention and treatment of gastric cancer, and the early detection rate is low. China is a country with high incidence of gastric cancer, but people’s awareness of prevention and treatment is not high. Only 10% to 15% of early gastric cancer is found, and many people are diagnosed with advanced gastric cancer. More than 70-80% people will not live for five years. Many people died within a few months after being diagnosed.

Since the cure rate of gastric cancer in Japan is so high, it is attributed to the early detection and treatment of gastric cancer in Japan, so how do they do it? Very simple, mainly relying on endoscopic screening. In the eyes of many people in our country, gastroscopy is a color-changing examination. Many people delay their illness because they refuse gastroscopy, and few people take the initiative to ask for gastroscopy unless they have to.

According to reports, Japan has a population of about 127 million, and about 15 million cases of gastroscopy are completed every year. It is equivalent to 12.5% of people having a gastroscope every year. Converted, it is equivalent to that 62.5% people have had a gastroscope at least once in five years. Convert it into high-risk groups, and almost all of them have been screened.

On the other hand, in China, many people are afraid of gastroscopy. The detection rate of gastroscopy is very low, the detection rate of early cancer is less than 20%, and the survival rate in five years is less than 30%. That is to say, most people who are diagnosed may not survive for five years. 80% of patients with early gastric cancer have no obvious symptoms, and even if there are symptoms, they are atypical symptoms, such as loss of appetite and abdominal discomfort, which are difficult for patients to pay attention to. Only regular gastroscopy can find its clues.

According to the latest 5-year survival rate data of gastric cancer released by National Cancer Research Center of Japan:

The 5-year survival rate of primary gastric cancer is as high as 98.1%.

Secondary gastric cancer: 66.4%,

Stage III gastric cancer: 47.3%,

The 5-year survival rate of stage IV gastric cancer is only 7.3%.

Because the proportion of advanced gastric cancer in Japan is very small, the overall 5-year survival rate is higher than 80%, which is unique in the world! It can be seen how important it is to find and treat early! Compare the figures in China: the overall 5-year survival rate is less than 40%; Stage 3 or 4 gastric cancer accounts for 80% of the total cases, and the 5-year survival rate is less than 30%. Only 15-20% of patients have early cancer. In other words, most patients will not live for five years.

Because of its large population base and high incidence of gastric cancer, China has contributed more than half of the cases in the world. Under the background that there is no revolutionary progress in the treatment of gastric cancer at present, it is particularly important to do a good job in the prevention and early screening of gastric cancer.

On the evening of March 30th, GAC Chuanqi’s brand-new medium and large SUVS7 was officially launched. Six new models were launched, with a guide price range of 175,800-229,800 yuan and a limited-time price of 169,800-223,800 yuan. After adding the national replacement subsidy, the price further dropped to 154,800-208,800 yuan.

As the brand’s first production car equipped with a high-level intelligent driving system, the new car is built on the new energy platform of Guangzhou Automobile EV+, and it cuts into the market with the dual core of plug-in and intelligent driving, facing the needs of home users for long battery life, intelligence and high cost performance.

Chuanqi yearns for S7 to adopt the design language of "hiding the front and embellishing it", with a closed front face with a 2618mm penetrating light strip and a split headlight group, and a built-in 2248 beads, which supports the upgrade of OTA light language and the interaction with breathing light, and the recognition is full at night. On the side of the car body, the suspended roof, hidden door handle and 20-inch spoke wheel hub enhance the sense of technology, and the tail is similar to a zigzag through the light group and the dynamic light effect echoes the front face design, giving consideration to the sense of strength and futurity. The new car offers five basic color schemes and two-piece/matte options to meet individual needs.

The interior of the new car takes the 270 embracing cockpit as the core, and is equipped with Qualcomm Snapdragon 8295P chip and ADiGO 6.0 system, which supports four-tone voice interaction and 27-inch W-HUD head-up display, realizing "visible and controllable". For family travel scenes, the rear row is equipped with a 17.3-inch 3K ceiling screen, a 22-speaker Dolby panoramic sound response and a 20L cold and warm refrigerator, giving consideration to entertainment and practicality. In terms of intelligent driving, the new car is equipped with NVIDIA Orin-X chip (254TOPS computing power) and 11 cameras+laser radar combination. The self-developed end-to-end system of GAC covers 357 sub-scenarios, such as urban/high-speed NDA and extreme parking spaces, and the intelligent driving function in urban areas is free for life, which significantly reduces the threshold for users to adopt advanced intelligent driving.

In terms of power, the new car offers the choice of plug-in and extended-range power. The plug-in version is equipped with a plug-in system consisting of a 1.5T engine, and provides a single-motor version and a dual-motor version. Among them, the maximum power of the 1.5T engine is 118kW, the single-motor version is equipped with a 170kW front drive motor, and the four-wheel drive version is equipped with a 170kW/80kW front and rear dual motors. CLTC has a pure battery life of 180-205km and a comprehensive battery life of 1020-1150km. The whole system supports 17-minute fast charge (30%-80%) and 6kW external discharge, taking into account the long-distance endurance anxiety relief and outdoor power demand.

From the perspective of positioning and pricing, we look forward to popular models such as S7 sword finger and so on. Compared with the ideal L6, its limited-time starting price is as low as 154,800 yuan (after subsidy), and it offers lidar version and four-wheel drive options, so its intelligent driving function and endurance performance are more competitive. At the same price, Chery Fengyun T10 and other models are also difficult to fully compete with them in the intelligent cockpit and intelligent driving configuration.

Conclusion:

In 2025, the competition in the large and medium-sized new energy SUV market is fierce, and Chuanqi yearns for S7 to cut in with the strategy of "high entry price", filling the gap of the brand in the 200,000-class smart SUV market. Combined with leapfrog configuration, full-scene intelligent driving and technical accumulation of GAC Chuanqi in the hybrid field, the new car is expected to become a new choice for home users. If the terminal channel and service experience are improved simultaneously, it will become the key engine to drive the sales growth of Chuanqi.

One really dares to accuse, and the other really dares to send it.

Because of a manuscript on 26th, we received a lawyer’s letter from Shanghai Branch of Junhe Law Firm entrusted by Pong Pong (China) Co., Ltd.

According to the lawyer’s letter, on October 26th, 2022, the "New Economy IPO" published an article entitled "Hidden Corner under the Epidemic Situation: Low-key IPO of Shanghai Epidemic Protection and Supply Unit, with a gross profit margin as high as 70%". According to the lawyer’s letter, Pong-Pong/Junhe Law Firm believes that when analyzing the financial data of the prospectus, the article indicates that the high gross profit margin of Pong-Pong in the education field is not normal, and implies that Pong-Pong is not normal. These contents have not been investigated, which are seriously inconsistent with the facts and derogatory.

Bang bang/Junhe Law Firm believes that,The article has brought a great negative impact on the commercial reputation and market image of pong, and caused great losses, which seriously violated the reputation right of pong.

Then, Pang Pang Xiang/Jun He Law Firm put forward three requirements:

1. We issued an apology statement in WeChat official account within 2 working days after receiving the lawyer’s letter, asking us to explain that the content of the previously published article on the gross profit margin of pong ring was not investigated and did not conform to the facts; In addition, I asked for an apology to pong.

2. Stop spreading or publishing "false, inaccurate" information about pong.

3. If the above two items are not implemented, the civil and criminal responsibilities of the "new economy IPO" will be investigated.

Frankly speaking, it’s not the first time I’ve received a lawyer’s letter from a new economy IPO, but it’s the first time I’ve seen such impudence as banging. One really dares to accuse, and the other really dares to issue it! We are almost scared to draft an apology letter. However, before writing an apology letter, we would like to discuss a few questions with Pang Pang Xiang/Jun He Law Firm:

1) The lawyer’s letter said that our abnormal evaluation of the gross profit margin of Pong Pong Ring was not investigated, which constituted insult and slander, but neither Pong Ring nor Junhe Law Firm provided the real reason for the gross profit margin as high as 40%. The phrase "strong bargaining power" was mentioned in the prospectus, and the lawyer’s letter did not mention it at all. Why did Pong Ring get a gross profit margin far exceeding that of a large number of catering supply chain giants at home and abroad?

There are only overbearing accusations, but there is no solid evidence. In our view, this is tantamount to hooliganism, just like the phrase "strong bargaining power";According to this touching logic, can Somali robbers also say that highway robbery is a kind of "strong bargaining power"?

2) Junhe Law Firm misunderstood our point of view. Our article does mention the following words,

"Commercial bargaining power is usually reflected in the core competitiveness of products, that is, exclusive products with unique formulas or technical content, which often gives suppliers the pricing power to the demand side; Another situation is brand premium, that is, the price floating effect brought by the brand’s own aura, but this generally exists in higher-priced consumer goods or luxury goods.

In kindergartens and school canteens, the core requirements for suppliers’ ingredients are safety and health. There is no exclusive product or core formula for basic ingredients, and there is little brand premium. Compared with other companies, there is no competitive advantage in the supply of basic catering ingredients provided by pong, so it is impossible to form exclusive barriers. Then there are only two possibilities to obtain such a high gross profit margin: one is to exclude competition by other means and realize the de facto regional monopoly; The second is to sacrifice food safety and food quality in exchange. "

According to Junhe Law Firm, we are "suggesting that the banging has eliminated competition by other means, realized de facto regional monopoly, or sacrificed food safety or food quality in exchange for higher gross profit margin".

Actually, it’s not. We only make an appropriate logical reasoning based on the general knowledge in the real business field and the real information disclosed in the prospectus. This logic is suitable for all enterprises in the catering and even retail fields, which is also the basic law that normal business activities should follow. We are opposed to sitting in the right place, and we don’t think there is a surreal existence beyond gravity.

In our opinion, Pong Pong and Junhe Law Firm should take back this lawyer’s letter and promise not to send us similar unfounded allegations. Of course, if Bang Bang can produce strong evidence that its core competitiveness has won it a high gross profit margin of 40%, then we will be happy to apologize publicly.

We are willing to wait for this moment.

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