作者： admin

　　According to the China Banking and Insurance Regulatory Commission website on the 17th, five ministries and commissions, including China Banking and Insurance Regulatory Commission, China, jointly issued the Notice on Further Regulating the Supervision and Management of College Students’ Internet Consumer Loans to further standardize the supervision and management of college students’ Internet consumer loans and earnestly safeguard the legitimate rights and interests of college students. The full text is as follows:

　　All banking insurance regulatory bureaus, information offices of provinces (autonomous regions, municipalities directly under the Central Government and cities with separate plans), Xinjiang Production and Construction Corps, Education Department (Education Bureau, Education Committee), Public Security Department (Bureau), local financial supervision and administration bureau, Shanghai headquarters of China People’s Bank, branches, business management departments, provincial capital city center branches, sub-provincial city center branches, major banks and joint-stock banks, and institutions of higher learning affiliated to the central government:

　　Recently, some small loan companies have targeted the university campus, conducted induced marketing through cooperation with technology companies, and issued internet consumption loans for college students (hereinafter referred to as college students), which lured college students into excessive consumption ahead of schedule, causing some college students to fall into the trap of high loans, infringing on their legitimate rights and interests, and causing bad social impact. In order to further standardize college students’ Internet consumption loan business and strengthen education and guidance, relevant matters are hereby notified as follows:

　　First, strengthen the supervision and management of college students’ Internet consumer loan business

　　(A) regulate the Internet consumer loans lending behavior of college students

　　Microfinance companies should strengthen the substantive verification of the identity of loan customers, and should not set college students as the target customer groups of Internet consumer loans, nor should they conduct precise marketing for college students, nor should they issue Internet consumer loans to college students. The outsourcing cooperative institutions of lending institutions shall strengthen the screening of customers, and shall not use false, misleading or induced publicity and other improper means to induce college students to consume ahead of time and borrow excessively, nor shall they accurately market for college students, nor shall they push and drain college students to lending institutions.

　　Banking financial institutions should strictly abide by the risk bottom line, prudently carry out college students’ Internet consumer loan business, establish and improve appropriate risk management systems and early warning mechanisms, strengthen pre-loan investigation and evaluation, and attach importance to post-loan management and supervision to ensure that risks are controllable.

　　Institutions established without the approval of the banking regulatory department or the local financial regulatory department may not provide credit services for college students.

　　(B) strict risk management of college students’ Internet consumption loans

　　In order to meet the reasonable consumer credit demand of college students, all banking financial institutions can develop targeted and differentiated Internet consumer credit products under the premise of controllable risks, follow the principles of small amount, short-term and controllable risks, strictly limit the loan balance of the same borrower and the total business scale of college students’ Internet consumer loans, strengthen product marketing management, and strictly examine the qualifications of college students to improve asset quality.

　　In order to strengthen marketing management, banking financial institutions and their cooperative institutions should not conduct online accurate marketing for college students. Offline marketing publicity activities carried out on campus should be reported to the regulatory authorities of the marketing area in advance, and the specific place, date, time and content of marketing activities should be informed in advance and the consent of the educational institutions should be obtained. Marketing activities should not use deceptive, misleading or induced publicity to induce college students to apply for consumer loans.

　　It is necessary to strictly examine the pre-loan qualifications, substantively examine and identify the identity of college students and the real loan purpose, comprehensively evaluate the credit information, income, tax and other information of college students, fully understand the credit status, strictly implement the second repayment source of college students, confirm the authenticity of the identity of the second repayment source by telephone and other reasonable means, obtain written guarantee materials that the second repayment source (parents, guardians or other managers, etc.) with repayment ability agrees with their loan behavior and is willing to repay on their behalf, and strictly control the credit qualification of college students.

　　It is necessary to strengthen post-loan management to ensure that the flow of loan funds conforms to the provisions of the loan contract; Properly handle overdue loans, standardize collection management, and prohibit any violent collection behavior that interferes with the normal study and life of college students; Timely grasp the changes of college students’ capital flow and credit status, improve the response plan, and ensure that the overall business risk of college students’ Internet consumer loans is controllable.

　　It is necessary to strengthen the personal information security protection of college students, establish and strictly enforce the rules and regulations to ensure information security, take effective technical measures to properly manage the basic information of college students, and not send the information of loan students to third-party institutions, or illegally disclose, expose or buy or sell the information of loan students.

　　It is necessary to strengthen the submission of credit information, and submit all credit information of college students’ Internet consumer loans to the basic database of financial credit information in a timely, complete and accurate manner in accordance with the Regulations on the Administration of Credit Information Industry. Students who do not agree to submit credit information may not be granted loans.

　　(3) Strengthen risk remediation and supervision and inspection.

　　Local financial supervision and management departments and banking insurance regulatory bureaus should, on the basis of the previous campus loan rectification work of online lending institutions, include various lending institutions such as microfinance companies and consumer finance companies into the rectification category, and comprehensively use various means such as website monitoring, fund monitoring, on-site inspection and data analysis to further strengthen the supervision, inspection and investigation of college students’ Internet consumer loan business. At the same time, increase the investigation and crackdown on illegal lending institutions.

　　For college students’ Internet consumption loans that have been issued, first, we should urge microfinance companies to make rectification plans. In principle, loans that have been issued will not be extended, and the existing business will be gradually digested. It is strictly forbidden to add new business in violation of regulations. Second, it is necessary to urge banking financial institutions to strengthen investigations, rectify illegal businesses within a time limit, and strictly implement risk management requirements. Institutions that refuse to rectify the problems found in the investigation or whose circumstances are serious should be severely punished and cracked down, and those suspected of committing crimes should be transferred to judicial organs.

　　Two, increase the education, guidance and assistance to students, and create a good campus environment.

　　Colleges and universities should earnestly shoulder the main responsibility of student management, strengthen students’ financial knowledge education and assistance, guide students to establish a correct concept of consumption, and earnestly safeguard students’ rights and interests and campus stability. First, vigorously carry out financial knowledge popularization education. It is necessary to strengthen financial knowledge publicity and education, incorporate financial common sense education into daily education, and continue to carry out financial knowledge publicity. Regularly carry out financial knowledge into campus activities, invite financial regulators and banking financial institutions to give lectures on knowledge, explain the harm of bad online loans, and analyze the cases of bad online loans on campus such as "idolize", so as to effectively improve students’ awareness of financial security. Strengthen the education of honesty and credit awareness, educate students to provide information truthfully when applying for loans, and not intentionally conceal the identity of students, not maliciously cheat loans or breach contracts, cherish personal credit records, and be alert to the influence of online loans overdue on personal credit information. The second is to constantly improve the working mechanism of helping and rescuing. It is necessary to ensure that all student financial assistance policies are put in place, improve the management level of student financial assistance, and effectively protect the affordable needs of students with financial difficulties, such as tuition, accommodation and basic living expenses. We will improve the rescue mechanism for special difficulties, set up special funding funds, provide emergency assistance to students whose families have undergone major changes, and solve students’ temporary and urgent funding needs. For college students who have fallen into the mud of online lending, we should establish a special mechanism to guide them to solve the problem of online lending in a rational and effective way, strengthen psychological intervention and counseling, educate and guide them to cherish their lives and rationally deal with the difficulties they encounter.Encourage qualified colleges and universities to raise funds through multiple channels, support students to carry out extended learning, innovation and entrepreneurship, and meet students’ developmental needs. The third is to comprehensively guide and establish a correct consumption concept. To strengthen the education of students’ consumption concept, we should integrate the cultivation of students’ awareness of thrift with students’ daily ideological and political education. Pay attention to students’ consumption psychology, promptly correct erroneous concepts such as ahead consumption, excessive consumption and conformity consumption, and guide students to establish a scientific, rational and healthy consumption concept. Establish a daily monitoring mechanism, pay close attention to students’ abnormal consumption behavior, find out students’ tendency problems in life consumption, interpersonal consumption and entertainment consumption in time, take targeted measures to correct them, and strive to achieve early prevention, early education, early detection and early disposal.

　　Third, strengthen the network public opinion monitoring and reasonably guide public opinion.

　　Local network information departments should actively cooperate with local governments, universities, financial, education, public security and other administrative departments to do a good job in online interpretation and public opinion guidance to standardize the supervision and management policies of college students’ Internet consumption loans. For the use of college students’ Internet consumer loans for malicious speculation and rumors, guide relevant units to take the initiative to speak out and clarify the truth, and jointly create a good public opinion environment.

　　Four, increase the investigation and punishment of illegal crimes, and create a good financial environment.

　　Local public security organs should intensify the investigation and punishment of illegal and criminal acts in the Internet consumer loan business of college students according to law, severely crack down on criminal activities carried out by means of routine loans and usury against college students, intensify the crackdown on illegal and criminal activities such as illegal detention, kidnapping and violent collection, and crack down on illegal and criminal activities that infringe on citizens’ personal information according to law.

　　Secretariat of the Central Network Office of China Banking and Insurance Regulatory Commission General Office, China

　　General Office of the Ministry of Education, General Office of the Ministry of Public Security and General Office of the People’s Bank of China

　　February 24, 2021

Teacher Bai Yansong of CCTV mentioned in a program of talking to young people:

"You like to drink coke today, and it is not excluded. When you reach my age, you will definitely love tea."

This is an old man’s life sentiment about young people.

From coke to tea, it is the same drink. What kind of transformation process is involved?

I believe that only people with stories can understand it.

If you also want to experience life from tea.

Then learn to drink tea from today.

A most comprehensive, basic knowledge of tea takes you into the door of the tea world.

Basic knowledge of tea

Classification of tea trees

According to the tree type: shrub type, small tree type and arbor type.

According to leaf type, it is divided into extra-large leaf species, large leaf species, middle leaf species and small leaf species.

Classification of tea: basic tea and processed tea.

Basic tea:

green tea

Green tea features: clear green leaves, good tenderness, bright soup color and exposed bud peak.

Green tea can be divided into stir-fried green tea, sun-dried green tea and steamed green tea according to the deactivation process.

Baked green tea.

On behalf of tea:

Fried green tea: West Lake Longjing, Biluochun, mengding ganlu, Duyun Maojian, Xinyang Maojian, Lushan Yunwu, Anji White Tea, etc.

Sun-dried green tea: Pu ‘er raw tea, Dianqing, Yueqing, Xiangqing, Chuanqing, etc.

Steamed green tea: Enshi Yulu.

Baked green tea: Huangshan Mao Feng, Taiping Monkey Kui, Luan Guapian, Xiazhou Bifeng, Tianshan Green Tea, Huading Yunwu, Gao Qiao Yinfeng, etc.

white tea

Characteristics of white tea: the fragrance is fragrant, the tender leaves are covered with white hairs, and the color is Bai Yin green, which belongs to partially fermented tea.

White tea can be divided according to tree species and freshness of bud leaves.

On behalf of tea:

Tea tree varieties: Dabai, Narcissus White and Xiaobai.

Bud leaf tenderness: Baihao Yinzhen, Bai Mudan, Gongmei, etc.

Yellow tea

Characteristics of yellow tea: some fermented tea, similar in technology to green tea, should be stuffy yellow when making. Tea drinking has the characteristics of yellow soup and yellow leaves, with mellow aroma and mellow taste.

Yellow tea can be divided into yellow bud tea, yellow tea and yellow small tea according to the different fresh leaves.

On behalf of tea:

Yellow bud tea: Junshan silver needle, Mengding yellow bud and Mogan yellow bud.

Huangda Tea: Huoshan Yellow Bud, Guangdong Folium Isatidis.

Huangxiaocha: Weishan Maojian Tea, Beigang Maojian Tea, Pingyang Huangtang Tea, Wanxi Huangxiaocha Tea, Hubei Yuanan Luyuan Tea, etc.

Green tea (oolong tea)

Characteristics of green tea: semi-fermented tea, a kind of tea between black tea and green tea. There are both fresh green tea and sweet black tea. The fragrance is rich and lasting, with floral, fruity, vanilla and so on. It is rich in flavor, fragrant in mouth and teeth, mellow and sweet, and has unique variety characteristics.

Green tea is divided into southern Fujian oolong tea, northern Fujian oolong tea, Guangdong oolong tea and Taiwan Province oolong tea.

On behalf of tea:

Minnan Oolong Tea: Anxi Tieguanyin, Hairy Crab, Benshan, Huang Jingui, etc.

Oolong tea in northern Fujian: Wuyi rock tea, cinnamon, water turtle, iron arhat, narcissus and so on.

Guangdong Oolong Tea: Phoenix Dan Cong, White Leaf Single Cong, etc.

Taiwan Province Oolong Tea: Frozen Top Oolong, Four Seasons Spring, Oriental Beauty, Jin Xuan, Jade, Baozhong Tea, etc.

black tea

Characteristics of black tea: fully fermented tea, warm stomach, red soup and red leaves, with unique maltose fragrance and caramel fragrance.

Black tea is divided into red stripe tea and red broken tea according to the process.

Red tea is divided into: small black tea and Kung Fu black tea.

On behalf of tea:

Race black tea: Zhengshan race

Kung Fu Black Tea: Qimen Black Tea, Dianhong, Yihong, Ninghong and Chuanhong.

Red broken tea: Yingde red broken tea, Dadugang red broken tea, Sichuan red broken tea, Hunan red broken tea, etc.

Four major black teas in the world: Qimen Black Tea, Darjeeling Black Tea in India, Sri Lankan Black Tea (Ceylon Black Tea) and Assam Black Tea.

Dark tea

Characteristics of black tea: the leaves are dark and dignified, the fragrance is mellow, and the variety is rich. After being made into pressed tea, it is mainly used by ethnic minorities in border areas.

Black tea can be divided into pressed tea, bulk tea and flower rolls according to the process.

Compressed tea is divided into: Fuzhuan tea, Huazhuan tea, blue brick tea and black brick tea.

Bulk tea is divided into: Tianjian, Gongjian and Shengjian.

Flower rolls are divided into: 12, 100 and 1000.

On behalf of tea:

Pu ‘er cooked tea, Anhua black tea, Shaanxi Fuzhuan, Guangxi Liubao tea, etc.

Processed tea:

Scented tea, extracted tea, fruity tea, tea beverage.

Six basic teas: according to the degree of fermentation.

Green tea (not fermented)

White tea (micro-fermentation)

Yellow tea (light fermentation)

Green tea (oolong tea, semi-fermented)

Black tea (fully fermented)

Black tea (complete fermentation, post-fermentation)

The higher the degree of fermentation, the milder the tea. For example, black tea and black tea are suitable for people with a bad stomach.

Non-fermented or lightly fermented tea is slightly cold. For example, green tea and yellow tea are suitable for reducing fire and drying, and people with weak spleen and stomach should be moderate.

Four major tea areas in China

Jiangnan tea area: located in the middle and lower reaches of the Yangtze River, including Zhejiang, Hunan, Jiangxi, southern Anhui, southern Jiangsu and southern Hubei. It is the main tea producing area in China. The annual output accounts for 2/3 of the country.

South China Tea Area: Located in the south of China, including Guangdong, Guangxi, Fujian, Taiwan Province and Hainan.

Southwest tea area: located in the southwest of China, including Yunnan, Guizhou, Sichuan, Chongqing and other provinces and cities as well as southeast Tibet. It is the oldest tea area in China.

Jiangbei tea area: located in the north bank of the middle and lower reaches of the Yangtze River, including Henan, Shaanxi, Gansu and Shandong, as well as northern Anhui, northern Jiangsu and northern Hubei.

Appliances needed for brewing all kinds of tea

According to different kinds of tea, it is necessary to choose suitable instruments for brewing in order to give full play to the taste, aroma and soup color of tea.

green tea

Applicable to tea ware: glass, bowl cover.

Attention: it is not suitable for stuffy bubble, which will affect the fragrance of tea.

Yellow tea

Applicable to tea ware: glass, bowl cover.

Attention: it is not suitable for stuffy bubble, which will affect the fragrance of tea.

white tea

Applicable to tea ware: teacups and bowls.

Green tea (oolong tea)

Applicable to tea ware: teacups, covered bowls, teapots and teapot.

Attention: Try to use fair mug as much as possible, and the time and quantity of tea brewing determine the taste of tea soup. It is not easy to soak tea for a long time, and the bitterness will be aggravated when the quality of tea is poor.

black tea

Applicable to tea ware: teacups, covered bowls, teapots and teapot.

Attention should be paid to: fair mug will be made when the soup is served quickly after making tea, and the taste will be better and it will not be frowsty for a long time.

Dark tea

Applicable to tea ware: tea cups, covered bowls, teapots, teapot, tea maker.

It should be noted that black tea is the tea with the highest degree of fermentation, which is very resistant to foam and has a thick taste. The first few bubbles can quickly serve soup to fair mug, and you can cook and drink it later.

Storage of various teas

Three principles of tea storage: drying, avoiding light and sealing.

Green tea and yellow tea: sealed and refrigerated in refrigerator.

White tea and green tea (oolong tea): sealed at room temperature, stored in the refrigerator without drinking for a long time.

Black tea: stored at room temperature, pay attention to moisture.

Black tea: stored at room temperature, cool and ventilated, avoiding sun exposure.

The concept of tea culture:

Broadly speaking, it refers to the sum total of tea material and spiritual wealth in the whole development process of tea.

Narrow sense: refers specifically to the "spiritual wealth" part, which is to study the cultural and social phenomena produced in the process of tea being applied by human beings.

Tea culture has: natural attributes and social attributes.

Natural attributes: the tea product itself, the function of tea.

Social attribute: people’s use of tea and their spiritual sustenance. Material, spiritual, plastic, psychological and behavioral phenomena. )

Defining tea from botanical characteristics;

Tea leaves have obvious main veins, the edges of the leaves are serrated, the veins are reticulate and not top, and the back is hairy.

The difference between tea and common leaves;

The fundamental difference between whether it is a tea tree or not lies in whether the plant contains tea polyphenols.

For example, Huaguo Tea, Rose Tea and yerba mate are similar to tea. The fundamental reason is that there are no tea polyphenols in it.

Main components contained in tea:

Tea polyphenols, tea polysaccharides, theanine, alkaloids, etc.

A leaf fell into the water and changed the taste of the water. Since then, there has been tea.

Tea is the dual enjoyment of material and spirit discovered by human beings. The development history of small leaves also records the development history of the whole mankind.

Let’s carry forward the tea culture in China together. This is an important symbol in the history of Chinese civilization.

I learned a lot about the basics of tea today, leaving a small question.

Pu ‘er tea which we often drink is one of the six major teas? Welcome to see your message in the comments section.

I’m Jiazi, and I love tea. Volunteer at the China Tea Museum on weekends to promote tea culture in China. If you also love tea, welcome to exchange and learn together.

Source | Jia Zi seeks tea.

Original title: "The most complete knowledge of tea in China, the necessary suggestions for learning tea, an article to take you to know about tea. 》