标签： 上海外卖私人工作室

In name only, we should withdraw! 96 academician workstations in name only were delisted!

　　CCTV News:Recently, the reporter learned from the Hubei Association for Science and Technology that in 2019, a total of 96 academician expert workstations in Hubei Province were cancelled or delisted due to reasons such as poor reputation or poor operation quality. The introduction of talents does not mean the introduction of names. The nominal workstations will be delisted, and those that fail to meet the standards will be revoked. Experts said that it is necessary to let the academician expert workstation return to the original intention of setting up the station, and the standardized system construction of the new station is particularly important.

　　The academician expert workstation of Hubei Liushugou Mining Co., Ltd. is one of the academician expert workstations cancelled by Hubei Association for Science and Technology in 2019. A few days ago, the reporter accompanied the staff of Hubei Association for Science and Technology to this expert workstation that has just been cancelled.

　　Reporter:When did this expert workstation not start to work normally?

　　Yang Zeqing, former general manager of Hubei Liushugou Chemical Technology Co., Ltd.:The second half of 2017.

　　Reporter:When was the last time the expert came here?

　　Yang Zeqing, former general manager of Hubei Liushugou Chemical Technology Co., Ltd.:In 2016, I haven’t been here since. There is no work behind (workstation) (enterprise) to dismantle the device.

　　It is understood that the expert workstation of this enterprise was established in 2013. In the second half of 2017, due to the development of the enterprise itself, the workstation did not work normally until it was cancelled at the end of 2019.

　　Academician Workstation aims to play the leading role of academicians in technology and promote the integration of Industry-University-Research. Hubei province is rich in scientific and educational resources, and some academicians and experts have become the targets of enterprises and local governments.

　　Liu Jingnan, Academician of China Academy of Engineering and Director of National Satellite Positioning System Engineering Technology Research Center:I heard that there are also some policies: some academicians’ workstations have preferential conditions for government projects, that is to say, they can be used as conditions for bidding, so (individual enterprises) have filled in my name (privately) on the application materials without my consent, and even my certificates have been copied. As soon as I heard that there was such a thing, I immediately wrote to the local science and technology department and said that this must not be done without my consent. If it is done, I will pursue your responsibility. Later, as soon as they knew the situation, they withdrew.

　　Zhang Lina, Ph.D. Supervisor, School of Chemistry and Molecular Science, Wuhan University, Academician of China Academy of Sciences:Soon after I became an academician, many enterprises, research institutes and even universities came to me to build an academician workstation. After screening, I made a few, but I found it impossible to make a few. Some can’t do it completely according to my major. I was asked to have an academician workstation, in order to get this name.

　　It is understood that in 2016, there were 402 academician expert workstations in Hubei Province, which had increased to 504 in August 2017. In January 2019, China Association for Science and Technology announced the certification results of all academician expert workstations in China in 2018. According to this certification result, Hubei Association for Science and Technology conducted a comprehensive clean-up of academician expert workstations that did not participate in the certification of China Association for Science and Technology and failed the certification.

　　Zhao Gang, Minister of Planning and Finance of Hubei Association for Science and Technology:(Now) there are clear regulations on the number of workstations set up by academicians. On-the-job academicians can only be employed in one workstation, retired academicians can only be employed in three workstations, and academicians can work full-time in each workstation for no less than three months every year. In the past, the requirements for relevant technical personnel supporting enterprises were not so strict, only that enterprises needed corresponding technical strength to cooperate, but this time it was clearly stated that there must be more than ten technical teams to cooperate before the academician expert workstation can be established. It should be said that the threshold has also been improved accordingly.

　　Standardizing the daily management system of academician expert workstations is to let more workstations really play a leading role in scientific research. Experts suggest that it is necessary to establish a detailed responsibility system, clarify the responsibilities of experts, enterprises and governments in the operation of workstations, and truly implement the system norms to ensure the healthy development of academician expert workstations.

Anju District, Suining City： Send health to the fields and be a good ＂health goalkeeper＂ for the masses.

　　Sichuan Online Suining Channel News (Reporter Zhao Quanjun)"The old man should come to the hospital for review on time, and I will come to your house for consultation from time to time!" On August 3rd, Chen Jianjun, a doctor from Daan Health Center in Anju District, Suining City, came to the home of Xiao Yufen, a patient. After signing up as a "family doctor", Chen Jianjun visited Xiao Yufen every week to give him a physical examination and told him to take a rest.

　　In recent years, Anju District of Suining City has continuously promoted the "three major projects" of health and poverty alleviation, with the main contents of "building demonstration clinics in villages", "improving the ability of village doctors" and "supporting doctors by medical experts", carried out free health checkups in the fields, and implemented specific measures such as family doctors’ contract service, which effectively alleviated the problem that rural people are difficult to see a doctor and expensive to see a doctor, continuously reduced the prevalence rate of the people from the source, and improved their sense of health and happiness.

　　Send a health check-up to the village.

　　Facing the newborn morning sun, six doctors from Da ‘an Township Health Center set off for Sankouyan Village, 20 kilometers away, to do health check-ups for more than 200 villagers. Zhong Jiajun, director of Da ‘an Township Health Center, is the leader. He has been rooted in the grassroots health and poverty alleviation front for several years and knows the health status of every poor villager and the difficulties faced by poor households in seeking medical treatment. "Let the villagers come to the town hospital for physical examination, which will delay the farming. The doctor will go directly to the village to check and reduce the people’s going back and forth."

　　Song Jiaqun, a villager, works in other places, ignoring personal health problems in order to earn money, and has no time to go to the health center for physical examination. On March 2 this year, doctors from local health centers, with electrocardiographs, B-ultrasound machines and other instruments, took advantage of Song Jiaqun’s intermission before going out to work to make a general examination for her, diagnosed the hidden diseases in her body, and immediately dismissed the prescription. After treatment, she has recovered.

　　"Health checkup is not a trivial matter. The sooner you find it, the sooner you treat it, the better." Zhong Jiajun warned the villagers who didn’t have time for physical examination.

　　In order to solve the practical difficulties and not delay the villagers’ time, Zhong Jiajun concentrated his physical examination in the health center every day, or led a team into the village every two weeks to check for the people with mobility difficulties and unable to go to the town.

　　Since 2017, the pilot project in Anju District has concentrated on physical examination and village inspection, providing free physical examination for the elderly aged 0-6 and over 65 every three years. In 2018, centralized physical examination, household physical examination and hospital physical examination were added for poor households, and a free physical examination was conducted for poor households every year. The items include blood test, physical examination, liver and kidney function examination, routine hematuria, B-ultrasound, electrocardiogram, blood pressure, blood sugar and blood lipid. In 2019, the "Implementation Plan for Health Poverty Alleviation in Anju District of Suining City in 2019" was compiled, and the health checkups of poor people were included in the health poverty alleviation support projects.

　　According to statistics, up to now, Anju District has provided free health check-up services to 19,653 poverty-stricken people who have set up files and established cards, and the notification rate and appointment rate of physical check-up have reached 100%. This year, the health and health departments in Anju District insisted on reform and innovation, and promoted various tasks of health and poverty alleviation. The provincial funds were 1.75 million yuan, all of which were used for free medical examinations for poor people. At the same time, a team of medical experts will be set up to provide health assistance in various forms, such as sitting in village clinics, visiting poor families for free clinics, sending doctors and medicines, training rural doctors free of charge, and popularizing health knowledge, so that poor people can enjoy the medical services of big hospitals and experts in cities without leaving home.

　　"Family doctor" and "caring person" of the masses

　　From May 17th to June 11th this year, during the "World Family Doctor Day", the health department of Anju District took advantage of holidays and every day to carry out family doctor service activities in towns and village clinics, and signed 3524 family doctors on the spot. According to the Contract Service Agreement for Family Doctors, after signing the contract service, the villagers will enjoy the dynamic health management service of a family doctor contract service team composed of a second-class hospital doctor, a basic general practitioner, a village doctor, a public health medical staff and a nurse.

　　Xiao Yufen, 74, is a beneficiary villager after signing up as a "family doctor". Xiao Yufen has suffered from emphysema since childhood, and catching a cold will aggravate her condition. After two daughters married in Guangzhou, the old man lived alone. A few months ago, the old man relapsed and suddenly fell to the ground in pain. Fortunately, Chen Jianjun, a doctor from Da ‘an Health Center who went to review the patients’ recent situation, found out in time that the old people were out of danger when they were sent to Da ‘an Township Health Center for treatment. After signing a service relationship with the elderly, Chen Jianjun checked the elderly every week and went through hospitalization procedures for the elderly. Even though he was not the attending doctor of the elderly, he still insisted on visiting the elderly in the ward every day.

　　Chen Jianjun’s family doctor service team should provide family medical and health consultation services to more than 200 villagers in Da ‘an Township, most of whom are special groups such as "empty nesters", widowed elderly people and chronic diseases. He has every villager’s phone number on his mobile phone, and talks with the client every week to ask about his physical condition, guide the villagers to form good living habits and guide them to use drugs scientifically.

　　Jiang Li, director of the Aiwei Office in Anju District, said that up to now, a total of 426 family doctors have been established in Anju District, and 350,300 family doctors with permanent residents have signed contracts, with a signing rate of 54.56% and a signing rate of 68.42% for seven key groups.

　　Since 2019, Anju District, relying on the "I Know Health" APP developed by Suining Research Center of Health Care Big Data of National Science and Technology University, has signed an online contract with two pilot units, Rougang Community Health Service Center and Baoshi Town Health Center, and continued to promote it in the whole district. The purpose is to strengthen the whole process and whole cycle health management of the population, and the health files, family doctor service records and medical treatment management of the contracted clients are all recorded on the information platform, realizing digital dynamic tracking of disease prevention and treatment.

　　Minor ailments do not leave the village, and treatment is local.

　　How to solve the current situation of poor medical and health structure, low level, unstable team and weak hardware in rural areas, the Liancun demonstration clinic promoted by Suining in the whole city is a useful attempt.

　　Wei Wu, director of the Poverty Alleviation Office of Anju District Health and Health Bureau, said that three years ago, Shuijing Village, Baoshi Town, Anju District gave birth to the first demonstration clinic in China, integrating the medical resources of surrounding villages and establishing a "small health center". At present, five village clinics have been built and opened in this district. Up to now, the number of outpatient visits has reached 52,722, and the number of inpatients has reached 2,095, basically achieving the goal of villagers’ "staying in the village for minor illnesses and treating them locally".

　　At the same time, Anju District has also made great efforts to improve the ability of village doctors, and organized village doctors from 25 poor villages and 6 demonstration clinics in the whole district to participate in the third batch of "village doctor ability improvement" engineering training courses in Suining City, so as to comprehensively improve the professional theoretical knowledge, practical skills training, clinical treatment and other capabilities of village doctors. According to the plan, Anju District will promote the construction of standardized village clinics in 25 poverty-stricken villages this year, ensuring that all 25 standardized village clinics will be put into use by the end of September, and more than one qualified village doctor will be employed.

Notice of Yunnan Provincial Department of Industry and Information Technology of Yunnan Provincial Department of Finance on Implementing the Policy Opinions of Government Procurement to Promote the De

Provincial committees, offices, departments, bureaus, institutions and groupsOrganization, state (city) Finance Bureau, Bureau of Industry and Information Technology, Central Yunnan New District Management CommitteeWill, Zhenxiong County, Xuanwei City, Tengchong City Finance Bureau, Bureau of Industry and Information Technology:

In order to implement the Administrative Measures on Government Procurement Promoting the Development of Small and Medium-sized Enterprises (Caiku [2020] No.46, hereinafter referred to as the Measures) and the Implementation Opinions on Further Improving the System of Supporting the Development of Small and Medium-sized Enterprises (Yungongxin Small and Medium [2021] No.237) issued by the Ministry of Finance and the Ministry of Industry and Information Technology, give full play to the functions of government procurement policies and promote the healthy development of small and medium-sized enterprises, According to "People’s Republic of China (PRC) Government Procurement Law", "People’s Republic of China (PRC) Small and Medium-sized Enterprises Promotion Law" and other laws and regulations, combined with the actual work, the relevant policies and measures to implement government procurement to promote the development of small and medium-sized enterprises in our province are hereby notified as follows.

First, the determination of small and medium-sized enterprises in government procurement activities

(A) can be identified as small and medium-sized enterprises.

1. In goods procurement projects, goods are manufactured by small and medium-sized enterprises, that is, goods are produced by small and medium-sized enterprises and use their trade names or registered trademarks;

2. In the project procurement project, the project is undertaken by small and medium-sized enterprises, that is, the project construction unit is small and medium-sized enterprises;

3. In the service procurement project, the service is undertaken by small and medium-sized enterprises, that is, the service providers are employees of small and medium-sized enterprises who enter into labor contracts in accordance with the Labor Contract Law of People’s Republic of China (PRC).

(B) should not be judged as small and medium-sized (micro) enterprises.

1. In the goods procurement project, the supplier is a small and medium-sized enterprise, but the goods provided are made by a large enterprise, that is, the goods are produced by a large enterprise and use the trade name or registered trademark of the large enterprise. Do not enjoy the SME support policies stipulated in the Measures.

2. The goods provided by suppliers are made by both medium-sized enterprises and small and micro enterprises, and do not enjoy the support policies for small and micro enterprises stipulated in the Measures.

Two, strictly implement policies and measures to promote the development of small and medium-sized enterprises.

(1) Reasonably determine the reserved share.

Budget units at all levels should effectively implement the government procurement policy when preparing departmental budgets, and separately list the reserved procurement shares specifically for small and medium-sized enterprises in the government procurement budget. The competent budget units at all levels shall organize and evaluate the government procurement projects of their own departments and subordinate units, make overall plans to reserve the procurement share for small and medium-sized enterprises, and evaluate the rationality of the reserved share according to the reasonable amount of procurement projects.

The share of procurement reserved for small and medium-sized enterprises shall account for more than 30% of the total annual government procurement project budget of this department, and the proportion reserved for small and micro enterprises shall not be less than 60%.

(two) to do a good job in the disclosure of government procurement intentions.

When the purchaser discloses the intention of government procurement, in addition to disclosing the name of the procurement project, the general situation of procurement demand, the budget amount, the estimated procurement time, etc., it should also indicate whether the project is specifically for small and medium-sized enterprises to purchase, so that small and medium-sized enterprises can make preparations for participating in government procurement activities in advance.

(C) a clear division of SMEs industry requirements

The purchaser and the procurement agency shall, according to the SME classification standards approved by the State Council and the specific circumstances of the procurement project, specify in the procurement documents the industries to which the SME classification standards corresponding to the procurement targets belong. If a procurement project involves multiple procurement targets, the industries to which the SME classification standards corresponding to all procurement targets belong shall be clearly defined in the procurement documents one by one. The supplier judges whether it belongs to small and medium-sized enterprises according to the classification standards corresponding to the industries specified in the procurement documents.

If the supplier has difficulty in judging the type of the enterprise, he can log on to the official website of the Ministry of Industry and Information Technology, and use the "Small and Medium-sized Enterprise Scale Type Self-test Program" in the "Public Service Platform" module for determination.

(4) Simplifying identification documents

The Letter of Statement for Small and Medium-sized Enterprises is issued by suppliers who participate in government procurement activities. If you participate in government procurement activities or contract subcontracting in the form of a consortium, you need to fill in the relevant information of the SMEs in the consortium or those who signed the subcontracting intention agreement in the SME Declaration Letter. No unit or individual may require to provide identification documents of small and medium-sized enterprises other than the Letter of Statement for Small and Medium-sized Enterprises. The supplier shall be responsible for the contents of the Statement Letter for Small and Medium-sized Enterprises issued by him and bear corresponding legal responsibilities.

When small and medium-sized enterprises participate in government procurement activities, if the legal representative has issued a power of attorney, they may not require the legal representative to personally purchase procurement documents or attend procurement activities such as bid opening, negotiation and consultation.

(5) Strictly implement preferential policies for price review.

After the overall planning of the competent budget unit, the project that does not belong to the procurement for small and medium-sized enterprises, and the non-reserved part of the procurement package in the reserved share project, the purchaser and the procurement agency should strictly implement the preferential policy of price evaluation and participate in the evaluation with the deducted price. 6%-10% price deduction is given to the quotation of goods and services provided by small and micro enterprises; 3%-5% of the price will be deducted for the project. All procurement targets provided by large and medium-sized enterprises are made by small and micro enterprises, and they can enjoy preferential policies for price review.

In the project evaluation, the project evaluated by the lowest bid evaluation method shall reflect the original quotation of each supplier and the final quotation after price deduction in the evaluation report. If the comprehensive scoring method is adopted, in addition to the evaluation report, the original quotation score and the final score after price bonus should also be reflected in the evaluation scoring table.

(six) timely payment of procurement funds

The purchaser or its entrusted procurement agency shall, in accordance with the provisions of the procurement contract, carry out performance acceptance in a timely manner. The purchaser shall, according to the acceptance, speed up the payment of funds. If the acceptance meets the payment conditions, the purchaser shall pay the money within 30 days from the date of delivery of the goods, projects and services; Unless otherwise agreed in the contract, the longest payment period shall not exceed 60 days. At the same time, the procurement unit is encouraged to make an agreement in the contract to pay part of the contract money in advance to the small and medium-sized enterprises that have won the bid and clinched the deal according to the actual project, so as to further alleviate the operating pressure and transaction cost of the small and medium-sized enterprises, and the procurement unit may require suppliers to submit advance payment guarantee.

(seven) accurately reporting the procurement situation.

The purchaser and procurement agency shall truthfully fill in the procurement situation for small and medium-sized enterprises when filing the procurement contract on the Yunnan provincial government procurement network, and report whether it is reserved in whole or in part in the system according to the actual situation. If it is partially reserved, the specific reservation method shall be filled in, such as special procurement package, participation in the form of consortium or subcontracting.

Yunnan Provincial Government Procurement Management Information System will generate the Announcement on the Implementation of Reserved Projects for Small and Medium-sized Enterprises in the previous year in January each year according to the information of the procurement project contract filing. The purchaser can log in to the information system to download the announcement, and report it to the competent budget unit for summary after confirmation.

(eight) timely disclosure of procurement information.

Each competent budget unit shall, before the end of February each year, summarize the specific situation of the reserved share and procurement of the department (including subordinate units) for small and medium-sized enterprises in the previous year, report to the financial department at the same level, and publicize it on the Yunnan provincial government procurement network. If the proportion of reserved shares stipulated in the Measures is not reached, an explanation shall be made.

Third, strengthen the implementation of work responsibilities

(A) do a good job in the qualification of small and medium-sized enterprises

The identification of small and medium-sized enterprises in government procurement supervision and inspection, complaint handling and administrative punishment of government procurement shall be the responsibility of the competent department of small and medium-sized enterprises of the people’s government at or above the county level where the goods manufacturer or engineering and service provider is registered. The competent department of small and medium-sized enterprises shall assist the financial department and the relevant administrative supervision departments of bidding to identify small and medium-sized enterprises; If it is difficult to identify, departments such as statistics, market supervision and management, taxation, human resources and social security may be invited to assist in providing indicators such as the number of employees, operating income and total assets of the relevant enterprises or related contents. When necessary, the competent department of small and medium-sized enterprises can investigate and verify the disputed matters by entrusting a third-party agency to audit.

(B) to strengthen the main responsibility of the purchaser

The purchaser should earnestly fulfill the main responsibility of promoting the development of small and medium-sized enterprises, do a good job in the investigation of government procurement demand, and actively understand the market situation. For the goods, projects and services that small and medium-sized enterprises can provide, and the market competition is sufficient, when preparing the government procurement budget, they should "keep everything" and put an end to the situation of reserving shares and actually purchasing "two skins" for small and medium-sized enterprises. Before the new policy is issued by the Ministry of Finance, the purchaser shall temporarily implement the original policy when implementing relevant measures such as prison enterprises and welfare units for the disabled to enjoy government procurement to support small and medium-sized enterprises.

Buyers should truthfully fill in relevant data and information, and truly reflect the procurement situation for SMEs. If the annual procurement fails to reach the prescribed proportion of reserved shares of small and medium-sized enterprises, the information is not truthfully filled in, or the data review is not strict, resulting in incorrect information in the implementation announcement, the relevant departments shall bear corresponding responsibilities.

(3) Strengthen supervision and inspection of the implementation of policies.

Financial departments at all levels should actively support the development of small and medium-sized enterprises, incorporate the government procurement support for small and medium-sized enterprises into the scope of government procurement supervision and inspection, and urge purchasers and procurement agencies to implement relevant requirements. For acts such as purchasers and procurement agencies failing to reserve the purchasing share of small and medium-sized enterprises, failing to implement price deduction or price bonus points, failing to implement supporting policies or implementing policies in place, and the contents of the Statement Letter for Small and Medium-sized Enterprises issued by suppliers being untrue, we should investigate the responsibilities in strict accordance with the relevant provisions of the People’s Republic of China (PRC) Municipal Government Procurement Law.

This notice shall come into force as of April 15, 2022.

Yunnan Provincial Department of Finance

Yunnan Provincial Department of Industry and Information Technology

March 3, 2022

(This piece is publicly released)

National Bureau of Statistics： In 2023, the total national grain output was 695.41 million tons (1,390.8 billion Jin).

　　Cctv newsAccording to the National Bureau of Statistics and a survey of 31 provinces (autonomous regions and municipalities), the sown area, output per unit area and total output of grain in 2023 are as follows:

　　1. The national grain planting area is 118,969 thousand hectares (1,784.53 million mu), an increase of 6.36 thousand hectares (9.55 million mu) or 0.5% over 2022. Among them, the sown area of grain was 99,926 thousand hectares (1,498.9 million mu), an increase of 658 thousand hectares (9.86 million mu) or 0.7% compared with 2022.

　　2. The national grain output per unit area was 5,845 kg/ha (390 kg/mu), an increase of 43.6 kg/ha (2.9 kg/mu) or 0.8% over 2022. Among them, the grain yield per unit area was 6419 kg/ha (428 kg/mu), an increase of 40.0 kg/ha (2.7 kg/mu) or 0.6% compared with 2022.

　　3. The country’s total grain output was 695.41 million tons (1,390.8 billion Jin), an increase of 8.88 million tons (17.8 billion Jin) or 1.3% over 2022. Among them, the grain output was 641.43 million tons (1,282.9 billion Jin), an increase of 8.19 million tons (16.4 billion Jin) or 1.3% over 2022.

Have consumers made a profit from the ＂price war＂ of auto insurance fees？

　　"The highest commission rate has reached more than 30%, and the competition for customers is fierce, and the rebate is getting higher and higher … …” Business personnel of a large property insurance company revealed that the phenomenon of "vicious competition of commercial auto insurance fees" has risen.

　　In view of the problem of high fee competition in some regions and institutions, the State Financial Supervision and Administration recently issued the Notice on Regulating the Order of the Auto Insurance Market, which started to regulate the order of the auto insurance market from five aspects.

　　Cash back for maintenance

　　Auto insurance "rebate" is strong

　　Over the years, the regulatory authorities have repeatedly applied to rectify the chaos, requiring insurance companies not to engage in unfair competition. Property insurance companies and insurance intermediaries are not allowed to give or promise to give benefits to the insured and the insured other than those stipulated in the insurance contract by returning or giving cash, prepaid cards, securities, insurance products, shopping vouchers, physical objects and points deduction. It is not allowed to illegally pay benefits other than those stipulated in the insurance contract in disguised form by participating in promotional activities organized by other institutions or individuals.

　　Since September 2020, after the comprehensive reform of auto insurance, the auto insurance market has shown a situation of "double decline" in premium price and handling fee rate. However, the phenomenon of "vicious competition in handling fees" in the auto insurance market has risen again this year.

　　Many car owners told Beijing Youth Daily that the "rebate" phenomenon of commercial auto insurance still exists, and the intensity of "rebate" has not diminished. On some social media, there are also insurance company salesmen who issue "rebate" promotions to attract customers.

　　In an interview, Mr. Liu reported that the price of commercial auto insurance has been really cheap in recent years, and it has not been out of danger for six consecutive years. Counting the returned cash of more than 2,000 yuan, it is several hundred cheaper than last year.

　　Ms. Zhang’s private car insurance is about to expire. This month, she has received many phone calls from insurance salesmen, all of whom have given more concessions than the contract quotation. Calculated, the commercial insurance, compulsory insurance and vehicle and vessel use tax totaled 3,791 yuan, which can be returned to 760 yuan after placing an order through the APP. Even a salesman asked someone to give her an account and return it to 100 yuan, and then send it for a maintenance, a paint repair and six car washes. Ms. Zhang said: "I will definitely shop around and see which one offers the best price."

　　Vicious competition for handling fees has risen

　　In the long run, it may affect the interests of consumers.

　　"Now we are faced with a dilemma. The big insurance companies in the head have high profits and sufficient expenses. If they take the lead to grab market share, small and medium-sized insurance companies will lose the market if they don’t follow, and they may not be profitable if they follow." A car insurance business person told the reporter of Beiqing Daily that the handling fee rate for compulsory insurance is around 4% and that for commercial insurance is around 15%. In order to grab territory and share, some property insurance companies have given a handling fee rate of over 30% through unfair competition, which has greatly deviated from the reasonable range of auto insurance handling fee rate.

　　These undisclosed fees allow competition, mainly divided into open lines and dark lines. The so-called "open-line" profit-making means that auto insurance sales personnel return part of the commission from sales to customers in order to obtain customers, which is mainly a personal act; The "hidden line" is that insurance companies pay fees to 4S stores, intermediaries and other channels, which are regulated by insurance companies.

　　In fact, this vicious competition for handling fees has not actually fully benefited auto insurance consumers, but has provided opportunities for arbitrage between different channels in the auto insurance market. If the handling fee rate of the intermediary company is higher than other channels, other channels will hang suitable customers in the intermediary company to earn higher handling fees from the insurance company, and finally the two sides can share the difference between the handling fees. In the long run, the vicious competition in the auto insurance market will inevitably affect the interests of consumers.

　　Supervision and rectification of chaos

　　It is required to strengthen the management and control of handling fee accounting.

　　Why do insurance companies still have to seize the market through "rebate" in the case of repeated applications from the regulatory authorities? How can auto insurance companies compete normally?

　　Xu Jianping, vice president of Cheche Technology, said that "exchanging fees for market share" has always been a chronic disease in the property insurance industry.

　　Once large insurance institutions take the lead in grabbing market share under the pressure of performance, other market players will certainly follow suit and quickly lead the market fee competition to heat up, which is likely to return to the eve of comprehensive reform of auto insurance. This vicious competition in handling fees will not only benefit consumers, but also the insurance companies themselves will suffer great losses.

　　From the insurance company’s point of view, the fee competition behavior in the auto insurance market is mainly rooted in the mechanism assessment of the head office. Excessive business growth indicators lead to grassroots buying business at no cost, which directly leads to vicious competition chaos such as charging fees and grabbing orders. It is suggested that insurance companies should standardize their assessment standards and set reasonable business objectives.

　　The vicious competition of handling fees in the auto insurance market has attracted the attention of the regulatory authorities. Recently, the Property Insurance Department of the State Financial Supervision and Administration Bureau issued the Notice on Regulating the Order of the Auto Insurance Market to guide insurance companies to operate in compliance and prudence.

　　The Notice regulates the order of the auto insurance market from five aspects, including prohibiting insurance companies from blindly fighting for scale and share, and assigning unrealistic premium growth tasks to branches. At the same time, it also requires insurance companies not to deviate from the actuarial pricing basis and sell auto insurance products at a price lower than the cost. Insurance companies are required to strictly control internal control such as expense budget, examination and approval, accounting and auditing, and truthfully allocate various operating and management expenses, and strengthen the management and control of handling fee accounting. Text/Reporter Yan Lishuang Coordinator/Yu Meiying

　　memory

　　The regulatory authorities started to regulate the order of the auto insurance market in five aspects.

　　The Property & Casualty Department of the State Financial Supervision and Administration Bureau issued the Notice on Regulating the Order of the Auto Insurance Market, and started to regulate the order of the auto insurance market from five aspects.

　　1. Firmly establish the concept of compliance management and strictly implement various regulatory requirements.

　　2. Further strengthen the sense of responsibility and overall situation, and consciously assume the main responsibility of maintaining the order of the auto insurance market.

　　3. All property insurance companies should attach great importance to the insurance underwriting services for high-risk vehicles such as motorcycles and operating vehicles.

　　4. All banking insurance regulatory bureaus shall continue to monitor the dynamic situation of the auto insurance market, pay special attention to the expense levels of institutions within their jurisdiction, and strengthen the supervision of the implementation of auto insurance rates.

　　5. All banking and insurance regulatory bureaus should continue to maintain the high-pressure situation of auto insurance supervision, fight early and fight small, and prevent the behavior of individual institutions from affecting the stability of the auto insurance market in the whole jurisdiction.

Sun Honglei publicly responded to immigration rumors： I didn’t immigrate, just traveled.

Recently, Sun Honglei, a highly regarded actor, made his first official response to the rumor of "emigrating to Australia" which was widely circulated on the Internet at a public event in Harbin. This response not only clarified the long-standing misunderstanding, but also showed his firm confidence and love for the domestic performing arts.

During the event, Sun Honglei and Jiang Peng performed on the same stage, and the atmosphere was warm. During the performance, he responded positively to the recent immigration rumors circulating on the Internet. Sun Honglei said that he only traveled abroad, but unfortunately he was misunderstood as emigrating overseas, which caused some troubles to him and his family. He stressed that he loves this land deeply and has never planned to emigrate.

It is reported that many netizens met Sun Honglei and his wife in Australia last year, and this news quickly fermented on the Internet, which triggered rumors about his immigration. There are even rumors that Sun Honglei and his wife have settled in Australia and transferred hundreds of millions of assets. These rumors not only affect Sun Honglei’s personal image, but also may have an unnecessary negative impact on his acting career.

In order to clarify these rumors, Sun Honglei personally refuted them in this activity, and his frankness and directness won applause and laughter from the audience. He jokingly said that he "immigrated to Harbin", which showed his high emotional intelligence and decent response. At the same time, he also reported his work to his hometown, saying that although he has not filmed for more than two years, he has been working hard to prepare a new script, and promised that he will take on new plays this year and bring more excellent works to the audience.

Sun Honglei’s statement is undoubtedly a commitment and persistence to his acting career. As a well-known powerful actor in China, he has won the love and recognition of many audiences with his excellent acting skills and unique personal charm. Every time he appears, he can arouse widespread concern and heated discussion, and this public response to immigration rumors shows his due responsibility and responsibility as a public figure.

In addition, Sun Honglei’s studio also commissioned a lawyer to deny the rights of immigrants last year, and his friends also said that he was "very patriotic and had no immigrants". These actions and remarks further confirmed Sun Honglei’s love for domestic performing arts and his loyalty to the country.

Generally speaking, Sun Honglei’s first public response to immigration rumors not only clarified the misunderstanding, but also strengthened his confidence and determination in the domestic performing arts. I believe that in the future, he will continue to give back to the support and love of the audience with excellent works and superb acting skills. At the same time, we also expect him to return to the film industry as soon as possible and bring us more wonderful performances.

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Starting from 80,800 yuan, the 2024 Baojun Yueye／Plus model was officially released： supporting intelligent driving without map.

On April 12th, SAIC-GM-Wuling held a press conference today, and launched a brand-new 2024 Baojun Yueye series and the new Baojun Yueye Plus:

At today’s press conference, Baojun officially released the "Tianyu Architecture", and the D platform covers the whole scene. The official also announced two new SUVs to be launched this year, of which five SUVs will be launched in the third quarter and six SUVs will be launched in the fourth quarter.

IT House summarizes the parameters of two new cars as follows:

It’s a BMW i5 (imported) that young people like.

When our career is stable and our income is gradually "well-off", our originally poor life has also changed a lot, and the car we once yearned for is no longer out of reach. (Imported) As a medium and large car, there are many bright spots. Next, let’s take a look with Xiaobian.

Let’s take a look at the appearance of BMW i5 (imported). The front of BMW i5 (imported) is very fierce and looks avant-garde. Coupled with streamlined headlights, it is very fashionable and simple. The car is equipped with LED daytime running lights, automatic opening and closing, adaptive far and near light, automatic steering, delayed closing and so on. Coming to the side of the car body, the size of the car body is 5060 mm * 1900 mm * 1505 mm. The car adopts unique lines, which gives people a very comfortable feeling. With large-sized thick-walled tires, the shape is quite exquisite. In the design of the rear end, the rear end and the front face echo each other from a distance, and the taillight style is more personalized, creating a good atmosphere.

Coming into the BMW i5 (imported) car, the overall visual effect of the BMW i5 (imported) interior is very distinctive, and it is easy to impress the hearts of young consumers. The steering wheel design of the car is very domineering, and it is made of genuine leather, which gives people an impulse to control it. Let’s take a look at the central control. The car is equipped with a tough touch-control LCD central control screen, which makes the interior style impressive and looks fashionable and simple. The interior feels good, let’s take a look at the dashboard and seats. The car is equipped with a fashionable dashboard, which highlights the trendy temperament. The car uses leather seats, equipped with functions such as electric adjustment of auxiliary seats, electric adjustment of seats with memory, and seat proportion tilting, which has good support and comfort.

BMW i5 (imported) matched gearbox, 442KW, 795N.m, with good power performance.

BMW i5 (imported) is equipped with car networking, driving mode selection, remote control key, UWB digital key, interior atmosphere light, traction control (ASR/TCS, etc.) and other configurations, which is worthy of praise.

This class of cars is usually the first choice for most people. First of all, the price is not expensive, and secondly, all the configurations are quite complete, which is still very worth starting with. If you think so, today’s car is still worth recommending.

BYD： The net profit in the first three quarters of 2023 was 21.367 billion yuan, up 129.47% year-on-year.

CSI Intelligent Financial News BYD (002594) disclosed the third quarterly report of 2023 on October 31. In the first three quarters of 2023, the company achieved a total operating income of 422.275 billion yuan, a year-on-year increase of 57.75%; The net profit of returning to the mother was 21.367 billion yuan, a year-on-year increase of 129.47%; Deducting non-net profit was 19.349 billion yuan, a year-on-year increase of 131.32%; The net cash flow from operating activities was 97.86 billion yuan, up 7.50% year-on-year; During the reporting period, BYD’s basic earnings per share was 7.35 yuan, and its weighted average return on equity was 17.74%.

The announcement shows that the company’s operating income changes in the first three quarters were mainly due to the increase in sales of new energy vehicles.

Based on the closing price on October 30th, BYD’s current price-earnings ratio (TTM) is about 24.83 times, price-to-book ratio (LF) is about 5.48 times, and market-to-sales ratio (TTM) is about 1.23 times.

The historical distribution map of the company’s price-earnings ratio (TTM), price-to-book ratio (LF) and marketing ratio (TTM) in recent years is as follows:

According to the third quarterly report, the company achieved a total operating income of 162.151 billion yuan in the third quarter, up 38.49% year-on-year and 15.86% quarter-on-quarter. The net profit returned to the mother was 10.413 billion yuan, up 82.16% year-on-year and 52.59% quarter-on-quarter. Non-net profit was 9.654 billion yuan, up 80.95% year-on-year and 57.49% quarter-on-quarter.

According to the data, the Group is mainly engaged in automobile business, mobile phone parts and assembly business, rechargeable battery and photovoltaic business, and actively expands the urban rail transit business field by using its own technological advantages.

In the first three quarters of 2023, the company’s gross profit margin was 19.79%, up 3.90 percentage points year-on-year; The net interest rate was 5.29%, up by 1.56 percentage points over the same period of last year. Judging from the single-quarter indicators, the gross profit margin of the company in the third quarter of 2023 was 22.12%, up 3.16 percentage points year-on-year and 3.40 percentage points quarter-on-quarter; The net interest rate was 6.71%, up 1.54 percentage points from the same period of last year and 1.66 percentage points from the previous quarter.

The data shows that in the first three quarters of 2023, the company’s weighted average return on equity was 17.74%, an increase of 8.31 percentage points over the same period of last year; The company’s return on invested capital in the first three quarters of 2023 was 13.83%, an increase of 6.99 percentage points over the same period of last year.

In the first three quarters of 2023, the company’s net cash flow from operating activities was 97.86 billion yuan, a year-on-year increase of 7.50%; The net cash flow from financing activities was 256 million yuan, an increase of 16.254 billion yuan; The net cash flow from investment activities was-94.403 billion yuan, compared with-83.657 billion yuan in the same period of last year.

Further statistics show that the company’s free cash flow in the first three quarters of 2023 was-27.524 billion yuan, compared with 13.070 billion yuan in the same period of last year.

In the first three quarters of 2023, the cash ratio of the company’s operating income was 100.16%, and the net cash ratio was 458.00%.

In the first three quarters of 2023, the company’s expenses during the period were 51.174 billion yuan, an increase of 25.878 billion yuan over the same period of last year; During the period, the expense ratio was 12.12%, up by 2.67 percentage points over the same period of last year. Among them, sales expenses increased by 84.13%, management expenses increased by 60.39%, research and development expenses increased by 129.42%, and financial expenses increased from-1.340 billion yuan in the same period last year to-1.272 billion yuan.

According to the data, the change of sales expenses is mainly due to the increase of sales service fees and employee salaries; The change of management expenses is mainly due to the increase of employees’ salary.

In terms of major changes in assets, as of the end of the third quarter of 2023, the company’s fixed assets increased by 57.84% compared with the end of the previous year, accounting for 6.70 percentage points of the company’s total assets; Accounts receivable financing increased by 146.86% compared with the end of last year, accounting for 2.50 percentage points of the company’s total assets; Trading financial assets decreased by 48.55% compared with the end of last year, accounting for 2.48 percentage points of the company’s total assets; Construction in progress decreased by 8.18% compared with the end of last year, accounting for 2.47 percentage points of the company’s total assets.

In terms of major changes in liabilities, as of the end of the third quarter of 2023, the company’s accounts payable increased by 29.30% compared with the end of the previous year, accounting for 0.69 percentage points of the company’s total assets; Other payables (including interest and dividends) increased by 26.51% compared with the end of last year, accounting for 0.06 percentage points of the company’s total assets; Short-term loans increased by 95.96% compared with the end of last year, accounting for 0.58% of the company’s total assets, mainly due to business expansion and short-term financing; Contract liabilities increased by 7.31% compared with the end of last year, accounting for 1.08 percentage points of the company’s total assets.

In terms of solvency, the company’s asset-liability ratio at the end of the third quarter of 2023 was 77.37%, up 1.95 percentage points from the end of last year; The interest-bearing asset-liability ratio was 4.05%, up 0.16 percentage points from the end of last year.

In the first three quarters of 2023, the company’s current ratio was 0.66 and the quick ratio was 0.44.

In terms of chip concentration, as of the end of the third quarter of 2023, the total number of shareholders of the company was 358,500, an increase of 27,000 or 8.15% compared with the end of the first half of the year; The average stock market value per household decreased from 2,267,700 yuan at the end of the first half of the year to 1,921,700 yuan, a decrease of 15.26%.

Indicator notes:

price/earning ratio

= total market value/net profit. When the company loses money, the price-earnings ratio is negative. At this time, it is meaningless to use the price-earnings ratio for valuation, and the price-to-book ratio or market-to-sales ratio is often used as a reference.

PB ratio

= total market value/net assets. The price-to-book ratio valuation method is mostly used for companies with large profit fluctuations and relatively stable net assets.

Marketing rate

= total market value/operating income. Market-to-sales ratio valuation method is usually used for growth companies with losses or small profits.

In this paper, the P/E ratio and marketing ratio are calculated by TTM method, that is, based on the data of the latest financial report (including forecast) for 12 months. The P/B ratio adopts LF method, that is, it is calculated based on the data of the latest financial report.

When the price-earnings ratio is negative, the current quantile is not displayed, which will lead to the interruption of the line chart.

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HarmonyOS Zhixing Online Intelligent Driving Worry-free Service： The maximum guarantee for accidents caused by intelligent driving is 5 million yuan.

Fast Technology News on November 17th, HarmonyOS Zhixing officially announced today that,The intellectual community, the intellectual community and the enjoyment community are the first to launch the worry-free service rights of smart driving.

From now until December 1st, we will make a decision on the car models of HarmonyOS Zhixing, namely, the car models of the car industry, the car model of the car industry and the car model of the car industry.Enjoy the worry-free service rights of smart driving with a maximum value of 4,000 yuan, and the duration of the rights is 12 months after the rights are activated.

HarmonyOS Zhixing presents worry-free service of intelligent driving within a limited time: the maximum protection for accidents caused by intelligent driving is 5 million yuan.

The rights and interests of intelligent driving protection include five intelligent driving scenarios: intelligent parking assistance (APA), parking service assistance (AVP), remote parking assistance (RPA), lane cruise assistance (LCC) and intelligent driving navigation assistance (NCA).

In terms of the specific amount of protection, the upper limit of the protection rights and interests of the new border M5, the new border M7, the intellectual border S7 and the intellectual border R7 is 3 million yuan.The upper limit of the rights and interests of the M9 and S9 is 5 million yuan.

At the same time, HarmonyOS Zhixing also stressed that the HUAWEI ADS advanced intelligent driving system is only used as a driving aid, and cannot replace the driver’s visual inspection. The driver is still the driving subject and is responsible for all behaviors during the driving process.

When using this right, the vehicle shall be insured with compulsory insurance and commercial insurance, and the vehicle damage insurance shall be fully insured within the validity period, and the compulsory insurance and commercial insurance shall not be released or surrendered within the validity period of this right.

At the time of the accident, the intelligent driving function was turned on, and the traffic police determined that the vehicle was responsible for the accident.This worry-free service right of smart driving cannot replace compulsory motor vehicle traffic accident liability insurance and new energy vehicle commercial insurance.

HarmonyOS Zhixing presents worry-free service of intelligent driving within a limited time: the maximum protection for accidents caused by intelligent driving is 5 million yuan.