In January, 2024, Sanya Automobile Driver Training School passed the exam ranking →

In order to further standardize the management of motor vehicle driver training schools, strengthen the examination of motor vehicle drivers, and effectively ensure the first pass of road traffic safety, the examination quality of motor vehicle driver training schools in the city in January 2024 is hereby notified as follows:

Examination of motor vehicle drivers in our city

In January, 2024, there were 14,460 motor vehicle drivers in all subjects in our city, and the number of qualified drivers was 10,125, with an average pass rate of 70.02%. Among them:

One subject

2810 people took the exam, and 1680 passed, with a pass rate of 59.79%;

subject two

4308 people took the exam, and 2696 passed, with a pass rate of 62.58%;

Subject three

3,902 people took the exam, and 2,800 passed, with a pass rate of 71.76%;

Safety civilization common sense examination

3,440 people took the exam, and 2,949 people passed, with a pass rate of 85.73%.

Average passing rate of all subjects in driver training schools in our city in November.

Reporting/feedback

This is a special reunion dinner …

Our reporter Roman

During the Spring Festival, the happiest thing is for the whole family to sit around and have a reunion dinner. However, for homeless vagrants, it is an extravagant hope to have a reunion dinner with their families. In order to let the rescuers have a warm and happy New Year, this (5th) morning, Luzhou Rescue Management Station specially held a Spring Festival Youth League activity for them.

Sticking Spring Festival couplets and decorating … The staff of the rescue station began to decorate the station for the upcoming Spring Festival a few days ago to create a festive New Year atmosphere. Early this morning, everyone began to be busy, preparing melons, fruits, snacks and delicious food for the recipients.

At noon, the recipients put on beaming new cotton-padded jackets, sat around, watched TV and had a reunion dinner to celebrate the New Year.

According to Jiang Weifen, the stationmaster of the municipal rescue management station, there are currently 14 recipients in the municipal rescue management station, four of whom have recently entered the station and are still in isolation. Due to the need of epidemic prevention and control, there are 10 recipients attending the annual meeting of the group today, and they also eat separately, and the other four are delivered by special personnel.

The staff served meals for everyone.

At the annual meeting of the Communist Youth League, although everyone wore masks, it was hard to hide their joy. The recipients and the staff were talking and laughing together, and they were very happy. Several recipients even danced with the music. The scene was full of laughter, joy and peace.

Jiang Weifen told reporters that all the 14 recipients at present have mental and intellectual disabilities, and they have not found out their identity and family information. The longest time to come to the station has been more than one year, of which the youngest is 15 years old and the oldest is about 70 years old.

Maybe they have a home in their heart, but they don’t know where they come from, where their home is, and whether they have any family. In the city rescue management station, the staff treat them as relatives and children, and take care of them patiently and carefully, so that they have a place to live and a "home". Having a reunion dinner together on the occasion of the New Year makes them feel the festive atmosphere and the warmth of home. This is undoubtedly the embodiment of the motherland’s growing strength, social civilization’s progress and love everywhere in the new era.

Original title: "This is a special reunion dinner …"

Winter in advance, summer for drama fans?

The last three months of advance on demand.

Wen | Fu Qiongyin

Edit | Zhang Youfa

The Fog Theater has not been officially aired, and it has been searched four times.

In the third quarter of last year, Misty Theater became a hot topic with many suspense dramas such as Hidden Corner and Silent Truth, and a wave of suspense short plays rose in the market. The concept of theater is also considered as a new stage of content operation of streaming media platform.

The way of unified investment promotion and publicity in the theater also makes the business model of short plays explore further. At this point, the wind of advanced on-demand has blown up, and every work in the theater has also started to advance on-demand

By the time the Fog Theater returns this year, the drama market has changed greatly.

Two years after it was invented, the advanced on-demand mode was cancelled by Aiqiyi, Tencent and Youku. For the first time, the delayed drama that adopted the advanced on-demand mode has become the object of criticism by the official media this year, and only appeared silently in the overseas film list of the streaming media platform. The trend of short plays is still there, and long plays are getting shorter and shorter, but plays with more than 30 episodes and less than 50 episodes are still the mainstream in the market.

Looking back at the three months before the disappearance of VOD, some changes are already brewing.

When costume drama becomes a joke

From the word of mouth, this is the season when costume dramas become jokes.

"Ugly man in ancient costume" is a hot topic this season. The top 10 and 6 short comments on the costume drama "Jun Jiu Ling" are all accusing the actor of being ugly, and the comment that the tucao actor is "ugly out of the realm" has 778 people like it. Netizens even listed a list of "Ugly Men in Costume 101" to accuse the actor in costume drama of "unable to bear to look straight".

The hero’s "Yan value" is not satisfactory, but it is only a side reflection of the poor performance of costume dramas. In Yunhe data "TOP20 of the Top 20 of the Top 20 of the Top 20 of the New Series Played in Q3", there are only four costume dramas, and only "Zhou Sheng as usual" scored above 7 points, and the masterpiece "Song of the King" of Huanrui Century did not make the list.

In addition to the periodicity of content creation, the high proportion of sweet pet dramas in this quarter may be the main reason.

Zhou Sheng as usual and All My Life, which are split from the same novel, use the sadomasochism of the former to solve the "boredom" of the sweet pet of the latter; There are four men around the hostess of "Jun Jiu Ling" who never leave; "Song of the King" is the old way of "the belly-black emperor falls in love with me"-the scores of the last two films are not more than 5 points.

 

The sweet pet drama, which often strikes back at a small cost, has become a hot type in the market since 2015 when "go princess go" was set to strike back all the way with the thunder people of the "poor crew" and became a popular online drama.

According to the "Research Report on Domestic Drama Market in 2020" released by Yien Data, sweet pet dramas account for 44% of the total number of online dramas broadcast in 2020, and most of them are small dramas with less than 30 episodes. At present, there are many costume dramas that are being spit out by the audience, and many of them are such low-cost accounting dolls.

Go princess go (Source: Douban)

On the contrary, in the contemporary theme, there are many works with both word-of-mouth and enthusiasm. Urban theme is still the mainstream in this quarter. There are 33 urban dramas in the new dramas in 2021Q3, accounting for 29% of the total new dramas in the world, and the effective broadcast accounts for 44%.

Among them, Sweeping the Black Storm, You are My Glory and Yunnan Worm Valley are among the top three in Yunhe Data, and the TOP10 of the 10 new domestic dramas in 2021Q3 are rated as contemporary themes, with the highest score of 8.2, I’m fine in another country.

However, as the champion and runner-up of Q3 episodes, Sweeping the Black Storm and You Are My Glory are hard to copy.

The former has a golden lineup of "Endorsement of the Central Political and Legal Committee+Tencent Video Production+Sun Honglei+500 Directors", which is an unofficial work that is difficult to shoot; The latter is authorized by the glory of the king for the first time, and has established contact with Penguin Film and Television since the stage of writing novels in Gu Man, and the drama series can even go to the space base when shaping the hero’s space career.

While making good use of the scarce value, Sweeping the Black Storm and You Are My Glory also have some "atypical" operating ideas.

In order to be different from the past detective dramas, Wu Bai used a lot of subjective shots such as "the protagonist’s perspective" in "Sweeping the Black Storm" to strengthen psychological description, which is usually more used in movies; "You are my glory" is different from the "rapid progress" of the general sweet pet drama. It was not until the 21 ST episode that the relationship was formally determined, and at the same time, it tried its best to describe the "grounded" side of the "ungrounded" career.

The scarcity of the theme provides the audience with a long-lost freshness. The atypia means that the production of high-quality modern themes is not only a production problem, but also a resource acquisition problem. The ability to control and integrate scarce resources will continue to be the advantage of the future platform.

Although the "film sense" of "Sweeping the Black Storm" is effective in both the subject matter and the shooting method, it also has the problem of "acclimatization".

Although the score of "Beizhenanyuan" is only 5.0, its photography and lighting team almost meets the requirements of film texture, but when the plot of a series is widely questioned, emphasizing texture is putting the cart before the horse; Douban 7.0′ s "Double Detective" is full of film resumes, which can’t save the slightly loose plot.

The exploration of film sense continues this season, but the IP that has been verified by the market has been questioned.

This is a season of collective decline in the word-of-mouth of grave robbery. The "Stealing Pen" series has just earned back a part of its reputation by Ultimate Notes, and it has been severely trampled by Genting Tiangong with a score of 2.6. As of press time, the douban score of Yunnan Worm Valley is 6.3, while the previous work Longling Cave has a high score of 8.3. The "Trio", which has been highly praised, has been questioned by the routine in this film.

"Yunnan Worm Valley" is the fourth ghost blowing lamp produced by the same team. How long can the long-term value of the drama IP last?

The last season of advance on demand

This is the last season of advanced on-demand existence, and the shutdown came by surprise.

On September 10th, Tencent Video rushed to Weibo for hot search in one fell swoop due to the adjustment of advance on demand. Since the Shanghai Consumer Protection Committee and China Consumers Association thought that "unlocking episode by episode" was unreasonable, Tencent’s video was adjusted in "Yunnan Worm Valley", and then the episodes on demand in advance can be unlocked. According to china securities journal, iQiyi and Youku will also follow up.

In the third quarter, advanced on-demand is still going on as usual and making steady progress.

According to Yunhe data, 46 advanced on-demand dramas were launched in 2021Q3, an increase of 9 over the same period of last year. Super-drama accounts for 41% of the total number of new dramas in the world, an increase of 11 percentage points year-on-year. In addition, the effective broadcast of the advanced on-demand drama series during the on-demand period was 600 million, an increase of 82% compared with 2020Q3; Among them, the on-demand content of "Sweeping Black Storm" effectively played more than 100 million yuan, creating a peak of on-demand content playback.

 

The "Sweeping the Black Storm", which set the peak of the broadcast, pushed forward the nodes that were ahead of schedule. The 28-episode "Sweeping the Black Storm" has been launched on-demand since 15 episodes. In the interview, Poison Eyes learned that many dramas have achieved good results in the third quarter, such as "You are my glory" and "The dust of the ages".

The audience seems to be used to showing their love and recognition for the drama series by pre-ordering. After unlocking "You are My Glory" in advance, you will see a large number of viewers who say "come with money" in the barrage. When "Sweeping Black Storm" was broadcasted, many people even asked "Is it possible to unlock it to the end with one button?" However, for a drama with poor reputation like "Eight Dragons", some people will question "How can this be on-demand in advance?"

This model, which survived for two years, came to an end on October 4th by three platforms. At present, only Mango TV and bilibili, two platforms that have started advance VOD, have not expressed their views.

Short-lived advance on demand was once a life-saving medicine invented by streaming media platform.

Judging from the financial reports of each family in the first half of the year, the trend of slowing down the growth rate of members continues further. In the first half of the year, the number of paying members of iQiyi Q1 increased by 3.6 million, while Q2 only increased by 900,000, and the growth rate declined. The number of paid members of Tencent Video reached 125 million, up 9% year-on-year, unchanged from the first quarter. Youku only disclosed the average daily paying users, which increased by 35% in the first quarter and 17% in the second quarter, but the specific figures are unknown.

Membership operation is the basic logic of streaming media, but the traditional mode of supporting membership growth has almost touched the ceiling, which makes several traditional streaming media platforms still in a state of narrowing losses but not turning losses into profits.

Iqiyi Q1 and Q2 have revenues of 8 billion yuan and 7.6 billion yuan respectively. Although they still face losses, the losses have been reduced for five consecutive quarters. The information revealed by Youku in the financial report also mentioned that the loss narrowed year-on-year, because of "rigorous investment in content and optimization of paid membership plan".

The form is critical, even to the point where the top management of the three platforms directly fired short videos at the network audio-visual conference. In recent years, the platform has also raised the price of members, launched a variety of preferential packages and other means, and advanced on-demand is also a product born in this form.

At the same time, advance VOD is also a way to transplant the fan economy to the drama series. It is no accident that the advanced on-demand mode was born in the American drama with a high vertical fans. It is one of the links of the huge fan economic industrial chain of the drama. At the same time that The Untamed released the advanced on-demand video, the title of Tencent video "Huang Goose Niang" was also widely circulated in Weibo, and users’ personification and emotional connection with the platform seemed to be deepening.

However, for producers, advanced on-demand can not bring C-end revenue. In these two years, advanced on-demand has not yet become one of the producers’ sources of income. Many producers don’t have the right to participate and know, and they don’t know when their plays will be on demand in advance.

Will there be a Netflix mode in which members can watch the complete works at one time after the cancellation of advance demand? In 2016 and 2017, when the members of the platform were crazy, "members read the complete works at one time" also appeared, but most of them were driven by high popularity starring, or a backlog drama with little impact on income.

The recent popularity of "Squid Game" has also made the comparison between Netflix mode and domestic streaming media a hot topic. One of the questions is whether it is possible for domestic streaming media to do less dramas with more money like Netflix.

Wu Yuefeng, manager of Fengjing Capital Fund, once analyzed in Weibo that iQiyi will launch 15-20 TV dramas and 3-5 variety shows in a quarter, so if it is dismantled, the cost of each drama will be only a few hundred million dollars, which can only maintain the overall qualified quality.

However, Netflix’s total operating cost last year was 20.4 billion US dollars (about 133.2 billion RMB), and this figure was as high as 10.4 billion US dollars (69.1 billion RMB) in the first half of this year, of which the single-season content expenditure was roughly 5-6 of that of iQiyi. However, the number of series produced by Netflix is not so much, and its heavy new works planned for 2021 are only 21.

Sharing Netflix’s huge content cost is global dumping. At present, Netflix has entered more than 160 countries around the world, and Latin America and Asia-Pacific even have about 1/2-1/3 users in the United States.

After the announcement of the end of advance on demand, the task of increasing the number of members’ subscriptions and the paid value of individual members has become more heavy. It’s just that unlike Netflix’s positioning as a global user, domestic streaming media platforms need to increase to the sinking market.

QuestMobile data shows that by October 2020, sinking users have occupied 58% (669 million) of the cmnet market, but the average monthly usage time of sinking users is only 140.1 hours, and those after 00 and 70 are potential people for further growth of the sinking market.

In this regard, streaming media is also making changes through hardware+software. For example, iQiyi has launched the iQiyi Extreme Edition for the characteristics of mobile phone use in the sinking market. The Extreme Edition is promoted to the sinking market. "I hope that after they see the higher quality film and television content, because the film and television content is produced by professional directors, screenwriters and actors, they can put more time on the film and television content." Gong Yu, founder and CEO of iQiyi, once told the media.

Tencent is involved, and the head company is absent

No matter from the number of broadcasts or broadcast data, Tencent video is the best in this quarter.

Tencent videos accounted for 13 of the TOP20 episodes in Q3, among which three solo dramas, Sweeping the Black Storm, You are my glory and Yunnan Worm Valley, took the top three. These three series are broadcast one after another for the S-class drama of Tencent Video this quarter, and Tencent also has such a happy trouble of "rolling itself".

(Source: Yunhe Data)

Driven by several major dramas in August, Tencent’s video performance in 2021Q3 was outstanding, with several major dramas launched continuously in summer, and the number of dramas on the whole network effectively played 31.2 billion, ranking first in the platform, but there was still a 12% decline compared with 20Q3. The effective broadcast of the whole network dramas of iQiyi and Youku were 28.5 billion and 14.9 billion respectively, down 20% and 17% year-on-year.

At the same time, the effective broadcasting of Mango TV and bilibili has improved.

Although dramas such as "Song of the King" and "Bailingtan" have insufficient reputation, they still drive the effective broadcast of Mango TV to increase by 3% year-on-year. Last year, bilibili entered the drama battlefield with a high-profile film "The Sky of Wind Dog Boys". This year, in Q3, new dramas such as "Double Mirrors", "Sudden Vacation" and "Best Friends" were added, and the effective broadcast increased by 26 times compared with the same period of last year.

Five platforms are fighting in the field of drama, and "theatrical" is the direction that all of them are exploring. However, compared with last year’s misty theater fire, this year’s theater performance is weak.

According to the TOP20 data above, there are two top 20 dramas in the Love Theater where Iqiyi focuses on sweet pet dramas, namely "A Life" and "Zhou Sheng as usual"-these two dramas are separated from a novel, telling the story of Shengchen Zhou and Shishi, and they are strictly one drama.

Mango’s monsoon theater, a fire, "I am quite good in other places", but unfortunately the follow-up is weak. Monsoon Theater does not have a strong collection of works like Fog Theater and Favorite Theater, and the commonality between works is not very strong. At present, the biggest common point among the works of Monsoon Theater is that "the number of episodes does not exceed 16", and the loose collection and the unity of form are still the idea of comparative satellite TV.

Practitioners who have been exposed to Mango TV told Poison Eye that Monsoon Theater also has some traditional satellite TV ideas in content selection and production. For example, the first version of the script "Mother-in-law’s Bracelet" was once considered to be not bloody enough, and the target was not sinking enough, so it was finally revised.

Mother-in-law’s bracelet

However, as a theatrical effect that has been verified to occupy users’ minds and form a brand effect, it will not be abandoned by the platform. The return of Misty Theater is just around the corner. According to informed sources, bilibili is also planning his own theater.

Compared with the competition of multiple dramas in the same period between platforms, the performance of the head company is much quieter.

Six head drama companies that often appear together in many statements: Noon Sunshine, Xinli Media, Ciwen Media, Yaoke Media, Huace Film and Television, and Ning Meng Film and Television, only noon handed over the highly acclaimed Children of the Qiao Family in the third quarter. Xinli Media is still spinning in the low-scoring Jin Yong drama.

In the past, among the listed companies, Tang De Film and Television broadcasted a small-budget sweet pet drama "The Secret of Hidden Grimes", and two dramas of Huanrui Century, Genting Tiangong and Song of the King, both suffered a decline in word of mouth. On the contrary, the "new forces" in the era of online drama performed well. The drama "Sweeping the Black Storm" produced by Wuyuan Culture was well received, and "Sailing: When the Wind blows" produced by Little Sugar Man also had a good score of 8.5.

In the last quarter of 2021, it may be that "Tencent involution" will enter the stage of all-platform involution. Four works of the Iqiyi Fog Theater will be broadcast one after another. The first one is "The Fog of the Octagonal Pavilion" starring Duan Long and Hao Lei; Tencent Video has a number of IP costumes in stock, such as A Sword in the Snow and A Twin Cities in the Mirror, while Youku holds a large number of online dramas to be broadcast, such as The Story of Xingfu’s Ice Rain and Fire.

But for the fans, perhaps the involution of the series is a great blessing.

Squid Game, a Korean drama under Netflix filter.

The screen disappearance of the beautiful man in ancient costume

Will the mortgage interest rate be raised if the mortgage interest rate is tightened in many places?

  Recently, the real estate market has received more attention. On the one hand, the growth rate of real estate loans continues to decline, on the other hand, mortgage interest rates in various places have increased to varying degrees. How will the regulatory policy be promoted? Will mortgage interest rates continue to rise? In response to the above hot topics, the reporter interviewed a number of industry experts.

  Supervision and intensive inspection of real estate financing

  Since the beginning of this year, under the main tone of the policy of "housing and not speculating", real estate financing has continued to tighten. The report on the implementation of monetary policy in China in the second quarter recently released by the People’s Bank of China shows that by the end of June, the balance of real estate loans of major financial institutions (including foreign capital) in China was 41.9 trillion yuan, up 17.1% year-on-year, and the growth rate was 1.6 percentage points lower than that at the end of March. Among them, the balance of individual housing loans was 28.06 trillion yuan, up 17.2% year-on-year, and the growth rate was 0.3 percentage points lower than that at the end of March.

  These changes in the field of mortgage are closely related to regulatory policies. In May, the Ministry of Housing and Urban-Rural Development issued an early warning to Foshan, Suzhou, Dalian and Nanning, where the price index of newly-built commercial housing and second-hand housing has increased significantly in the past three months, and some cities with overheated property markets have stepped up regulation. Affected by this, mortgage interest rates in a few popular cities rebounded.

  According to the latest monitoring data released by Rong 360 Big Data Research Institute, the average interest rate of the first home loan in July was 5.44%, equivalent to 1.11 times the benchmark interest rate, up 2 basis points from the previous month; The average interest rate of second-home loans was 5.76%, up 1 basis point from the previous month. From the data point of view, the national mortgage interest rate level rebounded in the second half of the year.

  In the second half of the year, the trend of stricter supervision became more obvious. At the end of July, the Political Bureau of the Communist Party of China (CPC) Central Committee held a meeting to plan the economic work in the second half of the year, and made it clear that the house should be used for living, not for speculation, and the long-term management mechanism of real estate should be implemented, and real estate should not be used as a short-term means to stimulate the economy.

  Subsequently, the regulatory authorities acted intensively, tightening real estate financing from banks, trusts, open market bonds and other aspects. Recently, China Banking and Insurance Regulatory Commission launched a special inspection of bank real estate financing, focusing on the management of real estate development loans and land reserve loans in 32 cities, and severely investigated and dealt with all kinds of illegal acts of diverting funds into the real estate industry.

  While the financing of real estate enterprises has been significantly tightened, the supervision of personal housing credit business has also been further strengthened. The recent symposium on the adjustment and optimization of credit structure of banking financial institutions held by the central bank proposed to maintain a reasonable and moderate growth of personal housing loans, and it is strictly forbidden to use consumer loans for buying houses illegally. China Banking and Insurance Regulatory Commission began to check the implementation of differentiated credit policies of banks, implemented the minimum down payment ratio and loan restriction policy requirements, performed the assessment and inspection of the authenticity of down payment funds and the solvency of loan applicants, and focused on investigating the misappropriation of personal comprehensive consumer loans, business loans, "down payment loans", credit card overdrafts and other bank credit funds in the real estate sector.

  Interest rates in many places have risen to varying degrees.

  It is worth noting that the monitoring data of Rong 360 Big Data Research Institute shows that the trend of mortgage interest rates in first-tier cities and second-tier cities in July is quite different.

  Among the first-tier cities, the mortgage interest rates in Beijing and Guangzhou were the same as last month, while the average level in Shanghai and Shenzhen declined. Among them, many banks in Shanghai lowered the mortgage interest rate, which led to a decrease of 7 basis points in the first home loan interest rate in Shanghai, second only to Haikou, making it the second largest city in China. In second-tier cities, mortgage interest rates in several popular areas have risen. Among them, Suzhou, Hangzhou, Ningbo, Dalian and Changsha have accelerated the frequency of adjustment, and have recently raised the mortgage interest rate more than once, and some banks have tight quotas and even suspended accepting mortgage business.

  In this regard, Ceng Gang, deputy director of the National Finance and Development Laboratory, thinks that we should look at it differently. First of all, not all urban mortgage interest rates are rising, which shows that policy regulation is accurate, because normal credit should exist. Secondly, it is not necessary to increase the mortgage interest rate. The key is to block the illegal entry of funds into the real estate sector.

  "In the environment of tightening policies, commercial banks tend to be cautious about personal housing loan business." Dong Ximiao, deputy dean of Chongyang Financial Research Institute of Renmin University of China, said that after the large-scale credit supply in the first half of the year, the credit line was relatively small in the second half of the year, and an appropriate increase in interest rates would help banks improve their income level. At the same time, in recent years, the leverage ratio of China’s residential sector has risen rapidly, and real estate financial risks are accumulating. Raising the loan interest rate will help commercial banks to better guard against housing loan risks.

  Dong Ximiao said that in the case that the market liquidity is still reasonable and abundant, although the interest rate of individual housing loans may be further raised, the increase will not be too large. "However, different banks have different positioning for personal housing loan business, and the credit resources invested for this purpose are quite different, so there will be obvious differentiation in the loan interest rate. It is expected that the personal housing loan interest rate of large commercial banks will maintain a moderate upward trend." He said.

  Implement differentiated housing credit policies

  "In combination with recent policies, banks will adjust their credit structure in the future to reduce the credit resources occupied by the real estate industry and invest more credit funds in manufacturing, small and medium-sized enterprises and other fields encouraged by the state." Li Wanfu, an analyst at Rong 360 Big Data Research Institute, said.

  At the same time, industry experts believe that commercial banks should continue to implement differentiated housing credit policies. Dong Ximiao said that we can start from four aspects. First, adjust the total amount of loans and reasonably determine the total amount of personal housing loans of banks; The second is to adjust the loan price and raise or lower the interest rate of individual housing loans; Third, adjust the loan conditions, tighten or relax the loan qualification conditions (including loan qualification and loan term) of the main body of the house purchase; The fourth is to adjust the down payment of loans and control the leverage ratio of buyers.

  "In the next step, we should comprehensively use the above four means according to the different purchase areas and subjects, combining quantity and price, adjusting the total amount and price, meeting the rigid demand and restraining investment speculation, focusing on the present and guiding expectations, and implementing the differentiated housing credit policy." Dong Ximiao said.

  Regarding the strict investigation of "down payment loan" by the regulatory authorities, Ceng Gang said: "Down payment is one of the means of bank risk control, because self-owned funds are an important standard to measure repayment ability. If the customer’s down payment is borrowed, then the bank’s risk exposure will be great. "

  In addition, some experts have warned that paying attention to the entry of credit funds into the property market should not only focus on commercial banks and consumer finance companies. Various Internet lending platforms monitor the flow of funds less, and the proportion of entering the property market may be higher.

  "We should continue to intensify the clean-up and rectification of various Internet platforms, and strengthen the monitoring of their lending business in terms of lending purposes and capital flow." Dong Ximiao said that monitoring the flow and use of credit funds is a long-standing problem for both financial institutions and Internet platforms. Relevant institutional measures should be revised to incorporate fictitious loan purposes and misappropriation of credit funds into the credit information system, increase the illegal cost of borrowers, and curb the illegal flow of personal credit funds into the property market from the source.

  (Reporter Qian Wei Intern Zhang Ziyue)

In order to make the brand concept more concrete, Volvo Cars has supported this sport for 26 years.

Reporter | Li Yimengone
Volvo Cars is integrating its long-standing brand concept according to the actual situation in China market. Since this year, this luxury car manufacturer from Sweden hopes to export a kind of "connotative luxury" to its audience, which is the integration and reconciliation of its three brand values of safety, health and environmental protection.
In addition to many publicity strategies, golf will be an important communication channel, which will make Volvo’s brand concept more concrete.
Despite the previous COVID-19 epidemic, the 2020 Volvo China Open, originally scheduled for April, ended successfully last Sunday (December 13th) after being postponed.
This tournament attracted a large number of excellent domestic players to participate. After four days of fierce competition, Zhang Huilin, from Changde, Hunan Province, finished with a 71 (-1) shot today, and won the championship with an absolute leading total score of 269 (-19), becoming the fifth local player to win the Volvo China Open.
Up to now, Volvo China Open has been held for 26 consecutive years and has become an important incubator for professional golfers in China.
"I have been asked a question for many years. Why does Volvo do the Open? There are so many sports events. Why does it do golf?" Zhao Qin, Chairman of the Board of Directors of Volvo China Open and Vice President of Corporate Communications of Volvo Cars Asia Pacific, talked about the relationship between golf and brands at the beginning of the interview.
She said that there is a deep relationship between Volvo cars and golf. This luxury car manufacturer has been rooted in this field for many years and has formed rich experience in operating international competitions.
In Zhao Qin’s view, golf is a sport that does little harm to human body and can exercise the whole body function, which is highly consistent with the concept of safety, health and sustainability advocated by Volvo Cars for a long time. In addition, the elegance and introversion of golf and its players are also consistent with the brand characteristics of Volvo cars.
She has previously said that if the English name of GOLF is divided into four letters, it can stand for "Green", "Oxygen", "Light" and "Friendship" respectively.
"We have always had an idea about golf. It should not only be a circle movement of a few people, but also a healthy lifestyle with public participation." Zhao Qin said.
As it said, Volvo Cars has tried to popularize this sport among the audience in China in recent years with the help of an international competition platform such as the China Open.
"Someone once said that golf is an aristocratic sport, but it is not. If you look at Volvo’s hometown of Sweden, golf is a mass sport, and all people will play golf from old to young." Zhao Qin said, "In China. The whole golf atmosphere has also become a healthy, elegant and popular sport through the efforts of all parties. "
For example, she said that in recent years, under the guidance of the China Golf Association, a "campus golf" project is being developed in Shenzhen, with the aim of introducing this sport into the physical education curriculum in primary schools, so that young people have the opportunity to contact and love golf.
Since 2005, Volvo has started to hold the Youth Match Championship, and since 2019, it has started the Youth Challenge. This year, it held the Volvo Youth Masters in China. All these initiatives are aimed at providing a diversified platform for more young golfers.
"There will be two main highlights next year, one is the Youth Challenge, and the other is the Qualifying Tournament, which will provide more opportunities for China players." Zhao Qin said, "This year’s amateur challenge has been expanding. At present, it has been restarted after the epidemic and 11 games have been done. As the frontier event of next year’s qualifying tournament, there may be more than a dozen games next year, and the scope will also be expanded in adult amateurs. There are also qualifiers. In view of some inspiration from the participation of pure China players in the China Open, more qualifiers may be held next year, and qualifiers can be held for both men and women. "
In this tournament, Zhang Jiena Lin entered the China Open as the first female player in the history of the tournament. "It’s a pity that she didn’t advance in the end, but I think it’s a very proud thing for women players to appear in the men’s professional open." Zhao Qin said.
In fact, Volvo Cars is emphasizing the concept of "equality" in all aspects, including its advantageous safety field. The Swedish luxury car manufacturer observed that most of the fakes used in collision experiments in the industry were made according to the figure of adult men. Although the elderly, women and children are more vulnerable to the collision because of their bones and physiological structures, the dummies made according to their actual conditions account for a relatively small proportion, and there are no dummies made according to the body shape of pregnant women.
Because of this concern, a pregnant woman dummy named LINDA came into being in the safety experimental center of Volvo Cars in 2000, which is also the first dummy made in the industry according to the situation of pregnant women who are 36 weeks pregnant. As early as 1995, before LINDA came out, Volvo cars began to use female dummies for crash tests. Up to now, the manufacturer has developed a complete "dummy family" that basically covers all population samples.
At the same time, out of concern for sustainability, Volvo Cars is actively promoting its comprehensive electrification strategy.
This luxury car manufacturer proposed a comprehensive electrification strategy in 2017, becoming the first luxury car brand to propose comprehensive electrification.
At the Guangzhou Auto Show held at the end of November this year, the XC40 RECHARGE, Volvo’s first pure electric vehicle, was officially launched and attracted great attention. Zhao Qin confirmed that in the future, more Volvo cars will be equipped with 48V mild hybrid system or join the RECHARGE product system.
According to its plan, by 2025, the sales of pure electric vehicles will account for 50% of the total sales of Volvo cars, and the remaining models will adopt plug-in hybrid technology with long pure electric endurance.
At the competition site, the display of a series of new cars conveyed the brand-new brand concept that Volvo Cars hoped to convey to the outside world. "Connotation luxury is a naturally simplified and refined expression, which is very compatible with Volvo’s brand image, user group characteristics and even partners." Zhao Qin explained, "Safety, health and sustainability are our strategic fulcrums. Everything on these three fulcrums, whether products or services, is supported by these three points."
She said that safety is Volvo’s strongest feature. In terms of health and environmental protection, Volvo Cars introduced AAC double-effect enhanced air purification system to build a CLEANZONE cockpit. The former was jointly developed by Volvo and Blueair, a well-known air purification solution provider, and with the filter specially optimized for China, the isolation efficiency of this system can reach over 95%. In addition, Volvo also made a strict choice of interior materials based on health considerations.
"So what kind of luxury brand is Volvo? I think’ connotative luxury’ is very appropriate and in line with the public’s cognition. " Zhao Qin concluded.
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The responsibility behind the star brand rollover aura can not be ignored

  Recently, the clothing brand "DSP" short down jacket founded by Joker Xue was notified and publicized by Shanghai State Administration for Market Regulation due to the unqualified filler. As soon as this matter came out, it caused widespread discussion in society. This incident is not only a simple quality problem, but also exposes the lack of responsibility behind the cross-border operation of stars-some stars enjoy the economic benefits brought by the "halo", but ignore the product quality and consumer rights, losing their basic responsibilities and bottom line as merchants.

  In recent years, with the rejuvenation of the consumer market, it is not uncommon for stars to create their own brands across borders, and various "street brands" are also emerging one after another. The business logic behind it is obvious-stars, as public figures, have a high reputation and a huge fan base. Their "aura" undoubtedly brings huge traffic and attention to the business fields they are involved in, and fans often spend a lot of money out of their love for stars and are willing to pay for them.

  Consumers believe in stars and love to spend, and stars should give back to consumers with better quality and service. However, in reality, from the clothing industry to the catering industry, star brands often "roll over". Star entrepreneurship should have been a beautiful thing of "two-way trip". Why is it always "opposite"? The reason is that some stars only enjoy the "halo" bonus blindly, but lack the sense of responsibility; Pursue economic benefits blindly and ignore quality problems. However, it must be understood that ordinary businesses still have to bear the responsibility to consumers, let alone stars who eat the "halo" welfare. While playing the signboard of a star, while doing immoral activities, how can what you do not make consumers feel chilling?

  The market needs industry norms, and stars should take responsibility. This requires them not only to pay attention to commercial interests, but also to the rights and welfare of consumers. In all aspects of production and sales, stars should actively participate in and supervise to ensure the quality and safety of products; When problems arise, stars should be brave enough to take responsibility and take timely measures to solve them, instead of trying to escape or shirk their responsibilities. In short, in cross-border operations, stars should not only be spokesmen of brands, but also be good image shapers of brands, and should have long-term vision and social responsibility. Only by taking a long-term view can we be stable and far-reaching. Focusing on "petty profits" and ignoring the rights and interests of consumers is tantamount to playing with fire and setting ourselves on fire.

  The unqualified sampling inspection of down jackets in Joker Xue is a wake-up call, reminding the stars that while enjoying the aura, they should also assume their due social responsibilities and obligations. Only by providing consumers with truly valuable products and services can we truly achieve a win-win situation of commercial value and social value.

What day, month and date is Christmas (when is Christmas)

Hello, everyone. Xiaole will answer the following questions for you. When is Christmas? Many people still don’t know when it is. Now let’s take a look!

1. Date of Christmas in 2020: Friday, December 25th, 2020.

2. Christmas, also known as Christmas Day, is translated as "Christ Mass", which originated from Saturnalia, the ancient Romans welcoming the New Year, and has nothing to do with Christianity. After Christianity prevailed in the Roman Empire, the Holy See drifted into the Christian system to celebrate the birth of Jesus. But Christmas is not the birthday of Jesus, because the Bible does not record the specific date when Jesus was born, nor does it mention the existence of such a festival, which is the result of Christianity absorbing ancient Roman mythology.

This article ends here, hoping to help you.

Get international recognition! JD.COM was selected into the Dow Jones Sustainable Development World Index for the first time.

Recently, the Standard & Poor’s Dow Jones Index (S&P DJI) announced the results of the annual review of the Dow Jones Sustainability Index (DJI). JD.COM Group was selected into the Dow Jones Sustainable Development World Index for the first time for its outstanding performance in ESG (environment, society and governance).

DJSI is a floating-adjusted market value-weighted index, which is based on environmental, social and governance (ESG) Standard-screened enterprises measure performance. DJSI, including the Dow Jones Sustainable Development World Index, was launched in 1999 and is the first series of global sustainable development benchmark indexes on the market.

JD.COM Group’s Report on Environment, Society and Governance in 2022 shows that in the changing year of 2022, JD.COM, born from reality, deeply realized the great responsibility of adhering to sustainable development, and the importance of ensuring the smooth, stable and reliable social supply chain, as well as the value of helping the transformation and upgrading of the national supply chain and high-quality development. Therefore, JD.COM Group has coupled the concept of enterprise sustainable development with the value proposition of "responsible supply chain", more firmly promoted the continuous optimization of environment, society and governance, and responded to uncertainty with a more steady attitude.

In terms of sustainable development, by the end of 2022, the cumulative number of circulating express packages of Jingdong Logistics has exceeded 220 million times, and 200,000 circulating green boxes have been put into normal operation in 30 cities, with a cumulative number of 20 million times. JD.COM has installed distributed photovoltaic power generation systems in 23 intelligent industrial parks, and JD.COM’s "Asia No.1" Xi ‘an Intelligent Industrial Park has become the first logistics park in China to achieve carbon neutrality, and has put in large-scale electric vehicles and put on hydrogen energy transportation lines nationwide. In terms of supporting employment and employee care, JD.COM has created 290,000 new jobs in the past three years, and the salary and welfare expenditure of front-line employees has reached 106.5 billion yuan. It has invested 10 billion yuan to set up a "housing security fund" for employees, and will invest more than 6 billion yuan to build a "JD.COM Youth City" employee housing project. In terms of rural revitalization, JD.COM has served agricultural modernization with the ability of the whole industrial chain, helped small farmers integrate into big industries and connect with big markets, and in less than three years, it has driven rural areas to achieve over one trillion output value and helped millions of farmers to increase their income; At the second JD.COM Agricultural Special Shopping Festival held in September this year, JD.COM helped more than 2,000 agricultural characteristic industrial belts to achieve high-quality development.

JD.COM Group takes "success in the right way" as its business belief and compliance as its foundation, so that the concept of "compliance is development" is deeply integrated into all businesses, and it insists on commercial success through compliance governance. At the beginning of 2023, JD.COM Group formally established a board-levelESGWomen account for nearly 43% of the committee and the board of directors, which supervise and guide related matters such as climate, environment, risk, health and safety, business ethics, product safety and service, diversification and inclusiveness.

In October, 2023, JD.COM Group joined the latest sustainable development initiative of the United Nations Global Compact. At the same time, in the latest "Accelerating Progress" initiative launched by the United Nations Global Compact, JD.COM is willing to take the lead in making a commitment on the related goals of "gender equality", and will continue to promote the concept of sustainable development and corporate social responsibility, and contribute "JD.COM Power" to the realization of global sustainable development goals.

As a technology and service enterprise based on supply chain, JD.COM takes "technology-oriented, committed to a more efficient and sustainable world" as its mission, insists on doing practical, valuable and long-term things, and works with all sectors of society to draw a beautiful, green and win-win sustainable development picture in a pragmatic and innovative spirit.

Original text transferred from: Xinhua Finance
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Football News: To save China’s football, please start with respecting the league.

Live broadcast: On December 9 th, in view of the current situation that China football has entered the cold winter, Football Daily issued a document suggesting that the self-help of China football should start from respecting the league.

Football News believes that if we want to save ourselves, we must use the vigor and vitality of the league to awaken the support of the fans and the concern of the government, and also give some time to the "on the road" share reform. In fact, the reason for the share reform is to give China football a relatively stable future, at least it will not lead to the continuous loss of the league and the continuous training of talents due to the frequent withdrawal of investors. However, no matter what kind of reform, if China football can’t change the status quo that the players themselves are not self-reliant, unable to make blood and waiting for blood transfusion forever, the future will be unsustainable.

For the method of self-help, Football Daily suggested:

First, stop complaining, stop complaining about the system, the market and everything around you, and concentrate on the game. What China football lacks most in recent years is collective consciousness. Without unity, it is fragmented. Everyone speaks out for their own interests, but they are also exploiting loopholes and breaking rules in China football for their own interests.

Second, do what you can, try to understand people in the circle who are different from themselves but closely related, and learn to put themselves in other’s shoes. The simplest thing is to respect the game, the fans and the rules. Respecting the game means working hard, and respecting the fans means lying on the grass less, not being negative or impulsive; Respecting the rules means not to foul maliciously. If there is a real misjudgment, you can appeal. If there is no misjudgment, don’t blindly transfer the pressure to the referee in order to reduce your own pressure regardless of the facts.

Third, wait patiently and positively for the advancement of share reform, and exchange time for space. Football in China will not disappear, and the league will continue to exist, but what standard the league will exist depends on whether the industry is worth saving by the country.

If the whole circle shows a strong desire to survive, wait for being saved with a positive attitude, and at the same time actively carry out self-help, it can bring exciting competitions, at least when the government promotes the share reform, it will reduce a lot of resistance. Football in China has reached the most critical moment. If you don’t save yourself, everyone will be injured-and saving yourself should start with respecting the league.

(Nanling cries and cries)

Unique! Fashion personality wears and ignites the trend vane

Fashion is an attitude and a way to express yourself. In today’s society, people’s pursuit of individuality and uniqueness has become a fashion trend. And personalized wear is the best choice to meet this demand.

They can not only light the trend vane, but also show everyone’s unique charm. The unique fashion personality will liberate us from the traditional aesthetic concept.

Whether it is color, style or collocation, you can give full play to your creativity and create a distinctive image. Not rigidly bound by convention, it gives us a chance to show our true selves in our hearts.

Fashion personality also reflects people’s pursuit of individuality. Everyone has his own unique preferences and styles, and it has become one of the most popular ways to express his personality through wearing.

Whether it is sports style, street style or retro style, there are their own fan groups. In this diversified era, people are eager to find their own fashion style to show their unique charm.

Fashion personality is not only a fashion trend, but also an attitude. It represents the spirit of daring to try and innovate. By adding some elements that break through the tradition in wearing, people can break away from convention and experience different styles and feelings.

This attitude of daring to try has also had a far-reaching impact in the trend world and has become an important force leading the fashion trend. In short, the personality is unique and ignites the wind vane of the trend.

It gives everyone a chance to show their unique charm and become the new darling of fashion. In this diversified era, we should bravely express ourselves and pursue personalized fashion style. Only in this way can we truly stand at the forefront of fashion and lead the development of the trend.