Roundtable Forum II: Breakthrough and Mutual Empowerment of Banking and Insurance Channels

圆桌二:银保渠道突围与相互赋能
Round Table 2: Breakthrough and Mutual Empowerment of Banking and Insurance Channels


  Abstract: To win the day and look for the fragrance of Surabaya, the boundless scene is new for a while, and you can know the east wind when you are idle, and it is always spring when you are colorful.


  On January 15th, 2019, the 9th China Financial Innovation and Development Forum in 2018 and the "Golden Awards Ceremony" jointly sponsored by Financial Management magazine, eBay Media and Beijing Rural Commercial Bank ended successfully in Beijing.


  At the conference, under the auspices of Wan Jin, general manager of China Life Insurance Co., Ltd. Banking Insurance Center, a round-table forum discussion was held with the theme of "Breakthrough and Mutual Empowerment of Banking Insurance Channels". The guests who participated in the discussion were Jiang Chang, Senior Commissioner of Banking Insurance Cooperation Department of Agricultural Bank of China, Zhao Feng, General Manager of Wealth Management Department and Personal Finance Department of Bohai Bank, Wei Aichen, General Manager of Banking Insurance Headquarters of Everbright Life Insurance Co., Ltd., and Jiang Jing, Assistant General Manager of Xinhua Endowment Insurance Co., Ltd.


  When sharing the specific situation of the development of bancassurance of various companies, Jiang Chang, senior Commissioner of the bancassurance cooperation department of the institutional business department of Agricultural Bank of China, pointed out that the new value of bancassurance business from the perspective of banks is reflected in three aspects: first, the function is indispensable; The second is that the benefits are outstanding and not easy to ignore; The third is that the comprehensive value potential is huge.


  Zhao Feng, general manager of wealth management department and personal finance department of Bohai Bank, said that he always emphasized one point about the bancassurance business, that is, Bohai Bank does not advocate selling insurance separately, but regards insurance business as an indispensable part of comprehensive financial services for customers and a necessary link in the financial management process.


  Wei Aichen, general manager of the bancassurance business headquarters of Everbright Life Insurance Co., Ltd., said when reviewing the main companies of the company in 2018 that in 2018, the company implemented the group’s "three-four-three" strategy and implemented the group’s "three-four-four" business initiatives. "Three" means "famous stars, famous products and famous shops"; "Four precisions", that is, products should be exquisite, customers should be precise, services should be fine and management should be lean.


  Jiang Jing, assistant general manager of Xinhua Pension Insurance Co., Ltd., said that returning to the origin means returning to the origin of the bank channel, and the products sold should be aimed at the needs and characteristics of the customer base of the bank channel. I always say that it is correct to have four suitability in sales, that is, the right products should be sold to the right people at the right price and through the right channels. These four appropriateness are right, and the result of channel sales is right. If any aspect is wrong, risks and problems will definitely appear, such as sales chaos or misleading sales.


  Wan Jin: How to stimulate customers’ demand for protection is the key.



Wan Jin, General Manager of Bank Insurance Center of Huaxia Life Insurance Co., Ltd.
Wan Jin, General Manager of Bank Insurance Center of Huaxia Life Insurance Co., Ltd.


  Wan Jin: 2018 should be said to be a year of rapid changes in the banking insurance business. The birth of mutual insurance shows us that the people (603883, stock bar) have a very strong sense of protection (20 to 30 million customers enter mutual insurance in a few days), so for us, how to stimulate customers’ protection needs is the key.


  In China, the number of bank customers is the largest. Compared with the mutual guarantee of 30 million, there is a huge space for one billion bank customers. Therefore, in 2019, we proposed empowerment, that is, banks and insurance empower each other to further activate customer needs and make the insurance market bigger and stronger.


  In the past, there were many factors that might play games, such as the high and low fees. But today, we have done a lot of articles on the close integration of debt and investment, as well as the integration of data and technology. According to a rough estimate, the scale premium of the banking insurance industry in 2018 was almost 770 billion, a negative growth of 10% year-on-year; The premium paid in advance is basically flat, almost 160 billion, but at the same time, our cooperation mode has been changing.


  It can be seen that, first of all, in 2018, we made some changes with customers as the center. For example, in terms of product supply, supply-side reform, our products are increasing, and we have made a lot of explorations with ICBC and CCB in terms of customer sharing. In the past, everyone competed for outlets and customers, but now it is more likely to do some development outside outlets through mobile banking and online banking.


  We invited four guests today to discuss how bancassurance will break through this tight encirclement. I would like to ask four people to talk about our small summary of bancassurance in 2018. How can we develop rapidly in 2019? First of all, please welcome General Manager Jiang.


  Jiang Chang: Look at the new value of bancassurance business from three aspects from the perspective of banks.



Jiang Chang, Senior Commissioner, Banking Cooperation Department, Institutional Business Department, Agricultural Bank of China
Jiang Chang, Senior Commissioner, Banking Cooperation Department, Institutional Business Department, Agricultural Bank of China


  Jiang Chang: With regard to the new situation of the bancassurance market, we can see the changes in the market, the changes in demand and the changes in the strategies of various partners.


  In these new situations, the new value of bancassurance business from the perspective of banks is reflected in three aspects:


  First, the function is indispensable. insurance agency business is an effective means to improve the allocation of customers’ financial assets, enhance customer stickiness and enhance cross-selling ability, and it is also an important starting point for public-private joint marketing;


  The second is that the benefits are outstanding and not easy to ignore. Among the many intermediary business varieties of banks, the agency insurance unit has a higher rate of return;


  Third, the comprehensive value potential is huge. In recent years, both banks and insurance companies have continuously expanded cooperation areas and deepened cooperation in insurance asset custody, financial markets, asset management business and investment banking business, and their comprehensive contributions have been growing.


  Agricultural Bank of China will accelerate the five major transformations and promote the new development of bancassurance business.


  The first is to speed up product transformation, optimize product supply, continuously enrich diversified varieties, and unite insurance companies to tailor products according to the characteristics of bank customers; It is also necessary to accurately match products and sell the right products to the right customers;


  Second, we should speed up the transformation of marketing model and strengthen public-private linkage;


  The third is to speed up the transformation of online and offline integration. The bank insurance business needs to adapt to the digital and intelligent development trend of the whole society and realize the development of technology empowerment. At present, the proportion of online agency insurance business of Agricultural Bank of China has reached 94%, but the level of intelligence needs to be further improved. We should build an intelligent insurance system and create a new ecology of bancassurance business.


  The fourth is to speed up the transformation of the marketing system, change our current mode of focusing on network marketing, and create a new marketing system in which network marketing and team marketing go hand in hand;


  The fifth is to speed up the transformation of business model, take customer total asset management as the core, and innovate scene marketing and precision marketing; Take customer risk management as the core, and incorporate comprehensive marketing and comprehensive services. In the process of promoting transformation, we resolutely implement regulatory requirements, strengthen risk management, and ensure the sustainable and healthy development of bancassurance business.


  Wan Jin: Thank you very much for your summary. Agricultural Bank of China has many outlets and a large number of customers, and it is also a big cooperative company. It should be said that in 2018, we made a lot of explorations in the online business development of cooperation with Agricultural Bank of China. I just saw that online business has reached 94%, which is developing very fast. I remember that the Agricultural Bank of China was only 20% when it first started, and it reached 94% this year, indicating that the role of technology empowerment is particularly significant. I think according to the five transformations of the Agricultural Bank of China, we will also cooperate with the bank to do a good job of matching after returning, and make use of our own advantages. I believe we can achieve better results in 2019. Let’s ask Zhao Zong to talk about his thoughts.


  Zhao Feng: Take insurance business as a necessary link in customer service.



Zhao Feng, General Manager of Wealth Management Department and Personal Finance Department of Bohai Bank.
Zhao Feng, General Manager of Wealth Management Department and Personal Finance Department of Bohai Bank.


  Zhao Feng: Bohai Bank is the latest national joint-stock commercial bank in China, and this year is the 13th year. 2018 is the first year for us to reopen the insurance agency business, and we are still new recruits in the field of bank-insurance cooperation. There are many places to learn from the bank peers and non-bank partners present here.


  One point I often emphasize is that we don’t sell insurance. Accurately speaking, Bohai Bank does not advocate selling insurance separately, but regards insurance business as an indispensable part of our comprehensive financial services to customers and a necessary link in the financial management process.


  The long-term development vision of Bohai Bank is to be a "modern wealth manager with the best experience". We studied with our shareholder, Standard Chartered Bank, and divided the financial service process for customers into "four steps and five stages".


  The so-called "four steps", the first step is cash management, that is, liquidity management. To cope with unexpected needs, the reserve fund on hand should generally guarantee the normal expenses of families for three to five months;


  The second step is risk management, which uses insurance. This is what we must tell our customers, mainly to avoid the impact of personal illness or personal accidents on family finances. Examples of poverty caused by diseases and accidents are not uncommon, which requires customers to have insurance awareness. We strongly recommend customers to buy health insurance and accident insurance, especially critical illness insurance;


  The third is debt management. We will help customers plan their debts. You should leave enough money to pay the monthly mortgage, credit card or other debt expenses. Apart from the above cash management, risk management and debt management, the remaining money is used for investment;


  The fourth step is asset allocation management. Asset allocation is a variety of asset combinations, such as deposits, securities investment funds, bank financing, etc., and insurance products also play a very important role in it. We will advise customers to invest in annuity insurance or life insurance according to their own situation. These two types of insurance products are complementary to bank products and cannot be replaced by each other.


  Because their cash flow structure is different: the bank’s financial management has regular cash flow back, and the principal and interest return when the financial management expires; However, the cash flow characteristics of insurance products are different. For example, whole life insurance products have no cash return during their lifetime, so their functions are mainly inheritance and family financial security.


  Another example is annuity insurance, which has a steady and certain cash inflow during a person’s life, so its function is mainly to provide for the elderly. Only by combining these products with different cash flow characteristics can we meet a person’s different financial demands. Combining them well is a tailor-made financial plan for customers. So we divide our customers into the above four stages to help them manage their wealth and manage their wealth life.


  At the same time, from the time axis, we will also divide customers into five stages of overlapping cycle, that is, the familiar life cycle, single, two-person world, family of three (family of four), quasi-retirement and pension. In different life cycle stages, the characteristics of income and expenditure curves of customers and families are different, and the applicable products, especially insurance products, are also different, which need to be planned according to customer characteristics.


  We have been doing this kind of thing since last year, so we say, "We don’t sell insurance, but take insurance as an indispensable part of our customer service". Therefore, the insurance business structure of our bank is quite different. Basically, there is no financial insurance, but most of them are security insurance. Our life insurance and annuity insurance account for about 80%, and those with a term of more than 10 years are about 90%. This is also the requirement of implementing the supervision department’s "return to the origin of insurance and insurance surname protection".


  Wan Jin: Thanks to Zhao Zong for sharing. Zhao Zong of China Bohai Bank spoke brilliantly. Insurance is actually four tools for a customer’s cash management, risk management, debt management and asset allocation. It is a tool for serving customers instead of selling insurance separately, which explores a new way for us. Let’s ask Everbright Yongming to talk about the summary of the bancassurance business in 2018.


  Wei Aichen: Implementing "Three Qualities and Four Qualities" and Making Value Adjustment



Wei Aichen, General Manager of Bank Insurance Business Headquarters of Everbright Life Insurance Co., Ltd.
Wei Aichen, General Manager of Bank Insurance Business Headquarters of Everbright Life Insurance Co., Ltd.


  Wei Aichen: We are a first-class subsidiary of Everbright Group, which holds 50% of the shares. Four shareholders are Fortune 500 companies, Yongming Finance accounts for 24.99%, and two central enterprises, Angang and Ordnance, each account for 12.505%, with a registered capital of 5.4 billion. We have our own independent and wholly-owned asset management company, which is the 12th insurance company in the market to set up an asset management company. In the whole development process of Everbright Yongming Insurance, asset companies still play a great role. The company’s business development is mainly based on bancassurance business, which accounts for 50%, and the others are individual insurance, group insurance, electricity sales and online sales. The five major lines are relatively complete, mainly bancassurance.


  After the equity reform in 2010, the company has turned into a Chinese-funded company. Before 2010, it was five business departments. After the share reform in 2010, it expanded rapidly to 22 branches, 67 third-level institutions and more than 100 fourth-level institutions. The whole business developed very fast and grew year by year.


  In 2013, the company put forward the direction of value transformation, firmly transformed the value of futures, and continued to make profits for six consecutive years from 2013 to now. With the promulgation of DocumentNo. [134] of the China Insurance Regulatory Commission, the whole insurance market began to realize product replacement on October 1, 2017. In a series of market environments with strong supervision and strict transformation, we can see that it has a certain impact on the business scale. However, our company’s value transformation in 2019 is still very firm.


  Looking back on 2018, the main work of our company is as follows:


  The first is to implement the "4-3-3" strategy of Everbright Group, that is, "to build four world-class, three China-class and three China characteristics". Among them, the insurance section is in three China characteristics, namely, to build a "valuable and distinctive" domestic life insurance company.


  At the same time, when implementing the group’s "four three three" strategy, we will implement the group’s "three excellent" business initiatives. "Three names" means creating "famous stars, famous products and famous shops", and "four precisions" means exquisite products, accurate customers, meticulous services and lean management, and implementing the whole management measures under the strategic requirements of the Group.


  In terms of bancassurance, the company has made some valuable adjustments on the basis of the business strategy of "three talents and four elites". Company leaders put forward the management measures of "three constructions and one promotion", "building teams, mechanisms and channels to promote market share".


  In terms of the team, it is our important direction to build a high-end team, focusing on the training of high-end skills of the team. In terms of high-end insurance, we are gradually forming a private insurance brand with a characteristic brand "Sunshine Zhenchuan", positioning "four accurate family customers" and "six customer needs" and providing comprehensive financial solutions.


  This is also in accordance with the positioning of the six platforms of the Group’s E-SBU, to create a plate with great wealth, great pension and great health. At the high end, we are the fourth company in the market to launch the "insurance+trust" high-end insurance model. In 2015, we began to build a team, set up our own private banking insurance department, and implemented systematic operation. In terms of "building channels", we put forward the strategy of "four-wheel drive" to create accurate channels.


  This is a positioning in the transformation process of Everbright Yongming. According to the group’s strategy, we should pay close attention to high-end teams, optimize products, build cooperation channels and effective incentive mechanisms, and do some actions in this direction.


  Wan Jin: Thank you, General Manager Wei. Everbright Yongming has made some plans from famous stars and famous shops under the strategy of Everbright. Huaxia has been a high-end customer since 2016, and we regard Everbright as our benchmark. In 2016, we started to do trust, that is, watching them do some articles, and we did some learning.


  Wei Aichen: Our bancassurance is positioned as a high-end insurance. Private insurance is the private insurance department internally and the family office externally. Each of our branches has private insurance experts, who are serving high-net-worth customers from different channels and have gained some gains in recent years.


  Wan Jin: In 2017, we launched a private board meeting for high-end customers, so the development of our high-end customers was very good in 2018. In 2019, large single customers accounted for more than 50% of the business of many branches, and now it is still relatively good. We continue to learn from Everbright Yongming in this respect. We can do more communication in the future. Next, please ask General Manager Jiang to talk about his views on the cooperation between bank and insurance.


  Jiang Jing: The right products should be sold to the right people at the right price and through the right channels.



Jiang Jing, Assistant General Manager of Xinhua Pension Insurance Co., Ltd.
Jiang Jing, Assistant General Manager of Xinhua Pension Insurance Co., Ltd.


  Jiang Jing: I come from Xinhua Pension Insurance. In fact, the company does not do traditional contractual life insurance business, including bancassurance business. The company focuses on the national three-pillar old-age security system business, focusing on trust annuity business such as enterprise occupational annuity and pension, and also includes old-age security management business and third-party asset management business. At the invitation of General Manager Shi, let me talk about the cooperation between bank and insurance. I am a veteran of bank and insurance, and I have great feelings for the business of bank and insurance. Therefore, as a banker coming over, I would like to take this opportunity to talk about my personal views.


  First of all, in the past two years, under the leadership of Chairman Wan Feng, New China Life has adhered to the strategic transformation of returning to the origin of insurance, reducing the wholesale payment and increasing the installment payment, especially in the aspect of bank insurance. The futures payment business has developed well in the past two years and achieved the expected results. The company’s value has been improved, and greater value has been fed back to customers.


  Now let’s talk about the relationship between bank and insurance cooperation from the perspective of historical development. Because I was in Ping An Life Insurance Company of China in 1994, I started to do bancassurance business in 1995. At that time, bancassurance was the main seller of financial and accident insurance. In 1997, I developed the sunset red comprehensive protection endowment insurance business, which was a long-term life insurance business with real renewal premium. It should be said that it was the earliest bancassurance business invented and put on the market in the industry. At that time, only Ping An Life Insurance Company of China Insurance, where I was located, exclusively carried out this business, which attracted the attention of peers after the launch of the wholesale business in 2001.


  At that time, the original intention of developing this business was three points: the first market belongs to the downward channel of interest rate reduction, and the people have the demand of maintaining and increasing value; Facing the reform, the second bank is willing to use the existing channel outlets and customers to improve the comprehensive profitability of the bank; Thirdly, the business pressure of group insurance is very great, and it goes to zero every year. I envy that individual insurance has renewed premium every year. Therefore, the comprehensive protection old-age insurance for sunset red has been developed with three product combinations, which has four protection responsibilities, including accident insurance during payment, one-time payment at age, monthly pension and lifelong death compensation. The reason why there are only two modes of premium payment, monthly payment and annual payment, is the problem of income. It is affordable for everyone to pay a monthly payment to 100 yuan or an annual payment to 1000 yuan, which has little impact on life; Second, it has little impact on bank deposits; Third, the original intention of the business is to form a snowball effect and accumulate and expand the business scale year by year. It has indeed achieved good results, especially when interest rates were cut in the first two years, and everyone lined up to buy it, which was very impressive. However, although the scale expanded rapidly after the emergence of wholesale business, many companies forgot or didn’t know the original intention and origin of developing bancassurance business, which also caused many chaos, especially in the blind pursuit of scale growth and even in order to get more incentive fees, some misleading sales behaviors occurred, and even some chaotic behaviors such as embezzlement and misappropriation of expenses, illegal investment and use of bancassurance business premiums.


  After so many years of development, the bancassurance business has achieved great growth. At that time, I said that bancassurance may not undergo qualitative changes until ten years later, before which it was the accumulation of quantity. This qualitative change is the bank’s understanding of the bancassurance business. There must be a fundamental change in the understanding of the income of intermediary business and its position in the bank. Otherwise, there will be no great development.


  Now the national development has entered a new era and a new stage, and the cooperation between bank and insurance will also enter a new stage. At present, the regulatory authorities or the previous guests all say that the bank-insurance cooperation should return to its original source. I think the bank-insurance cooperation should have more extensive, multi-level and multi-angle cooperation in the new era. I want to talk about it from the breadth and depth of cooperation.


  Broadly speaking, first of all, banks and insurance are customers of each other, and bank employees have insurance protection needs, including accidents, medical care, pension and enterprise annuity, and both banks and bank employees are customers of insurance companies. Insurance companies are also customers of banks, with a large number of deposits, custody services and other general settlement services.


  Secondly, they act as agents for each other. Banks can sell the products of insurance companies, and insurance companies can also sell the products of banks. Banks have strong advantages in channels, outlets, brands and customer resources, and insurance companies also have networks all over the country. In particular, insurance has very strong training and marketing capabilities, and banks also recognize this aspect. Moreover, insurance is more of a merchant, and banks are merchants, which is very different. Selling complex insurance products requires face-to-face communication, and banks are more suitable for selling simple products that meet the characteristics of bank customers and the sales ability of bank personnel.


  At that time, why did you develop such products as bancassurance with certain savings accumulation nature? It is also because people who often go to banks have such needs and trust in the brand reputation of banks. In addition, it is very important that everyone says that insurance sales should return to the origin, and more refers to the sale of security products. However, what I want to emphasize is not exactly the same as what everyone said. By returning to the origin, I mean returning to the origin of the bank channel, and the products sold should be aimed at the needs and characteristics of the customer base in the bank channel. If all the outlets are old people, he can’t understand and buy complex products. If it is sold to high-net-worth people through the private banking department, or through the bank’s online banking platform, the customer base is mostly young people, and the needs of these customer groups are different, then they should sell the products they need. I always say that it is correct to have four suitability in sales, that is, the right products should be sold to the right people at the right price and through the right channels. These four appropriateness are right, and the result of channel sales is right. If any aspect is wrong, risks and problems will definitely appear, such as sales chaos or misleading sales.


  The third is the cooperation between the capital side and the asset side. Insurance and banks can also have a lot of cooperation in this respect. Including our developed pension products, old-age security management products, the underlying assets of wealth management products, etc. After the new asset management regulations come out, banks will set up their own wealth management subsidiaries. Although the wealth management subsidiaries have strong parent company support, their investment ability cannot be established in a short period of time. Banks have strong advantages in obtaining funds, and insurance asset management or pension insurance companies have strong investment ability, advantages in obtaining high-quality assets and special investment licenses. It can help banks, especially wealth management products, to dock assets, and develop asset management products that can be bought by bank wealth management subsidiaries, or embedded into wealth management products as underlying assets and then sold to bank customers.


  Depth means from different levels of products, first of all, insurance products, insurance products must meet the needs of bank customers, banks are now marketing in different channels. No matter what customers are going to the counter platform, they should sell products suitable for these customers, and they should not go against the essential characteristics of the customer base. If you have to sell some very complicated products, it will be difficult for these older customers to understand and accept, while the online banking platform is dominated by young people. It will be much better to sell products with strong investment or simply guarantee products on the online banking platform. Followed by annuity related products, and the third is asset management products. Generally speaking, banks are more suitable for selling products close to savings, while security products are suitable for spending time communicating with customers face to face. It also depends on customers’ awareness of risks and this product. For example, if millions of medical workers are aware of it, they can sell it at channel outlets. If they can’t correctly understand it, and the insurance and after-sales service procedures are complicated, they can’t sell it through channels. Don’t sell unsuitable products beyond the capabilities of channels and teams. It is necessary to develop in depth in product cooperation and constantly explore innovative products to meet customer needs. With the help of internet channels and the application of new technologies, the cooperation between the two sides can be deepened continuously, and training and resource sharing and customer resource sharing can be strengthened.


  Our starting point is to take customers as the center, take customers’ interests as the core, solve customers’ needs and provide solutions for customers. In this way, customers will choose you to trust you in banks and insurance, form a loyal and stable customer base, enterprises will have a continuous and stable cash flow, banks and insurance will realize value sharing, benefit sharing and win-win cooperation in cooperation, and customers will have viscosity. What everyone pursues is that customers are sticky, active and can buy repeatedly.


  Bank-insurance cooperation and mutual empowerment Spring is not far away.


  Wan Jin: Thanks to General Manager Jiang for sharing. He shared the development history of China bancassurance, and made a profound exposition on the development of bancassurance through breadth, width and depth. Finally, please ask each of the four guests to give a word of blessing to bancassurance in 2019.


  Jiang Chang: We firmly believe that in 2019, the effect of industry transformation will be further manifested. "Winning the day and looking for the beautiful waterfront, the boundless scene will be new for a while, and it will always be spring when you are idle." With the joint efforts of everyone, the bancassurance business will also glow with new vitality and usher in new development.


  Zhao Feng: Leveraging financial technology, returning to the origin of insurance, based on mutual empowerment, do a good job in bank-insurance cooperation.


  Jiang Jing: I believe that the cooperation between banks and insurance has a broad market and space, because these two subjects are naturally highly complementary. For those who make progress, those who make progress often arrive, do a good job in the present, step by step, I believe that the cooperation between banks and insurance must have a broad space and a bright future.


  Wei Aichen: I believe that in 2019, the market of bancassurance is getting better and better, and there is a vast space. The Spring Festival will soon be over. The Spring Festival will be in beginning of spring, and the spring of insurance will come. We believe that the spring of bancassurance will come, and we will seize the day. Our industry is getting better and better. Thank you!


  Wan Jin: Everyone is full of expectations for 2019. Just now, Zhongrong Life said that they have made a scale of 5 billion yuan, and it is indeed better than expected to start this year. From our company’s own point of view, as of yesterday, the entire scale of our bancassurance was almost 40 billion, with a delivery speed of 4 billion, which was particularly fast. Through today’s forum, if we want to return to the origin, we should take customers as the center, product transformation is the key, value transformation is the core, technological innovation is the means, and customer service is our foothold. New era and new achievements. In 2019, our bank and insurance cooperation will empower each other, and we will surely have a better spring waiting for us! Thank you, everyone. 

(Editor: Tao Hailing HF003)

Party Building Forum: the Communist Party of China (CPC) who is facing difficulties, getting more frustrated and brave, and getting more dangerous and advancing.

  Author: Han Qingxiang, a member of the former school committee of the Party School of the Central Committee of the Communist Party of China, a first-class professor of the Party School of the Central Committee of the Communist Party of China, and a leading expert in the expert studio of the Party School of the Central Committee of the Communist Party of China.

  On the occasion of commemorating and celebrating the Communist Party of China (CPC)’s 99th birthday, combing and reflecting on the Communist Party of China (CPC)’s nearly 100-year history from a philosophical point of view, we find that the Communist Party of China (CPC) is essentially a political party that faces difficulties, gets braver and braver, makes progress and struggles bravely, which can also be regarded as the Communist Party of China (CPC)’s genes, characteristics and character.

  The Communist Party of China (CPC)’s 99-year struggle is a history of facing difficulties, getting braver and braver, getting more dangerous and struggling bravely.

  We can examine the history of the Communist Party of China (CPC) from multiple dimensions, one of which is to examine it from the Communist Party of China (CPC)’s genes, qualities and character. This angle is very important because the history of the Communist Party of China (CPC) is the history of achieving the goal through roads and paths. The goals that the Communist Party of China (CPC) people want to achieve are both immediate and long-term, and the long-term goals are often grand, such as realizing communism, realizing the great rejuvenation of the Chinese nation, building China into a prosperous, strong, democratic, civilized, harmonious and beautiful socialist modernization power, and realizing "strengthening". However, objectively, the social productive forces are not very developed, subjectively, the political consciousness, cognitive level, ideological realm, mental state, ability and accomplishment, work style, responsibility spirit and leadership level of some party member cadres are not very high and strong, and the obstacles of some hostile forces in various ways will lead our party to go through ups and downs, twists and tribulations on its way forward. In this sense, the history of the Communist Party of China (CPC) is a history of unremitting struggle against difficulties and obstacles.

  However, in the face of various risk challenges in the history of communist party, China, we the Communist Party of China (CPC) people have not been overwhelmed by hardships, but have withstood various risk challenges and gradually become stronger. It is an important guarantee for our party to win in history, and it is also an excellent character forged in the history of our party.

  Compared with the risk challenges that our Party encountered in the past, the risk challenges that Socialism with Chinese characteristics has entered a new era and China’s development has six characteristics: First, it is difficult to predict and extremely rare. Often unexpected, it usually leads to a chain of negative reactions, which people call "black swan incident" or "domino effect", such as the risk of "COVID-19 epidemic"; Second, it has a high probability and great influence, and people call it the "grey rhinoceros incident"; Third, there are many and fast risks around us, which are everywhere and can happen at any time and everywhere, making people unexpected; Fourth, it is uncertain, and many risks occur in uncertain scenes and situations, which makes people unpredictable; Fifth, it is devastating. Today’s risks are mostly big risks, involving a wide range and far-reaching, which are destructive to a certain extent and seriously affect people’s survival and development; Sixth, risks in the fields of finance, culture, military, biology, ecology and national sovereignty are increasing. However, we believe that our party will be able to overcome all kinds of risk challenges in the end because of its characteristics and character of facing difficulties, being more frustrated and brave, being more dangerous and advancing, and being brave in struggle.

  The Communist Party of China (CPC) has the genes, characteristics and character to face up to difficulties, be more brave in setbacks, be more dangerous and be more progressive, and be brave in struggle.

  It is the genes, characteristics and character of the Communist Party of China (CPC) people to face up to difficulties, be brave in setbacks, make progress in risks and be brave in struggle. The reason for this is rooted in the "contradictory relationship between grand goals and tortuous roads" that the Communist Party of China (CPC) often encountered in history.

  In the historical process of its establishment, development and expansion, the Communist Party of China (CPC) will inevitably encounter the contradictory relationship between grand goals and tortuous roads, which is the source and foundation of accurately grasping the genes and characteristics of the Communist Party of China (CPC) people who are brave in facing difficulties, more frustrated, more advanced, and brave in struggle. Since the day the Communist Party of China (CPC) was founded, it has shouldered the historical responsibility of realizing socialist modernization and realizing the great rejuvenation of the Chinese nation without hesitation. In the process of realizing this grand historical responsibility, the Communist Party of China (CPC) people have experienced hardships, dangers, hardships and challenges, which means that the road to realizing this historical responsibility is very tortuous. Because the Communist Party of China (CPC) people had limited resources and conditions at the beginning, and their strength was relatively weak. With the continuous development and growth of the Communist Party of China (CPC), its historical responsibility is also increasing with the times. In this situation, if the Communist Party of China (CPC) people want to accomplish their grand historical task, they must have the character of facing difficulties, being more frustrated and brave, being more dangerous and advancing, and being brave in struggle. In essence, the Communist Party of China (CPC) stepped onto the historical stage of China by virtue of the essential characteristics of "struggle" and "struggle".

  From the grand strategic goal, the Communist Party of China (CPC) was faced with the dual goals of national independence and people’s liberation at the beginning of its birth. To achieve this goal, we must destroy the old system with the spirit of "revolutionary struggle" and "brave struggle". After the founding of New China, we want to build a socialist society and ensure that the people are masters of their own affairs. Therefore, we must carry out socialist transformation with the spirit of facing difficulties and being brave in struggle. The reform and opening up in contemporary China is a new social revolution. In order to liberate and develop the productive forces, eliminate exploitation and polarization, and finally achieve common prosperity, we must reform the superstructure that does not meet the requirements of the development of productive forces and the economic base with the spirit of facing difficulties, being more frustrated and brave, being more adventurous and struggling bravely. In the new era, after the development of our country, our party will encounter more contradictions, obstacles, obstacles and risk challenges. It can be said that the "iron" we are playing is harder, but we are not very hard ourselves. Therefore, in order to build a socialist modern power in an all-round way and realize the great rejuvenation of the Chinese nation, the Communist Party of China (CPC) must continue to maintain the characteristics and character of facing difficulties, being more frustrated, being more brave, being more dangerous, and being brave in struggle.

  From the speech of the Supreme Leader General Secretary to Chinese and foreign journalists on November 15th, 2012, he put forward that "it is necessary to strike while the iron is hot" to the report of the 19th National Congress of the Communist Party of China that "it is necessary to strike while the iron is hot", and from beginning to end, the Supreme Leader General Secretary regarded "it is necessary to strike while the iron is hot" as his general idea of governing the country. Here, "while the iron is hot, we must be hard on our own", which contains the genes, characteristics and character of the Communist Party of China (CPC) people, such as facing difficulties, being more frustrated and brave, being more dangerous and advancing, and being brave in struggle. The reason why our party has such genes, characteristics and character in its development process is to overcome difficulties and obstacles so as to constantly adapt itself to the needs of tackling difficulties. In the historical process of leading the people to advance the social revolution, our party always takes a series of major challenges, major risks, major obstacles and major contradictions as the "melting pot" of self-revolution. Facing difficulties, being more frustrated, being more brave, being more dangerous, and being brave in struggle always form a majestic force in the more tortuous road. At present, in the process of national anti-epidemic, it is with this spiritual character that our party has won this epidemic prevention and control war.

  General Secretary of the Supreme Leader closely revolves around "striking while the iron is hot must be hard by itself" and relies on the rule of China to overcome all kinds of difficulties and obstacles.

  Since the 18th National Congress of the Communist Party of China, the CPC Central Committee with the Supreme Leader as the core has inherited the genes, qualities and character of the Communist Party of China (CPC) people who are brave in facing difficulties, struggling harder and harder, and bravely struggling. It is closely centered on "we must be hard while we strike the iron", relying on our party’s "hard work", relying on the rule of China and relying on the broad masses of the people to overcome all kinds of difficulties and obstacles.

  First of all, relying on the party’s "self-hardening" to overcome all kinds of difficulties and obstacles. At present, the "iron" that we the Communist Party of China (CPC) people play is quite hard. To play this hard "iron" well, the Communist Party of China (CPC) people themselves must be "hard" enough. How did the Supreme Leader General Secretary forge the Communist Party of China (CPC) into a powerful political party? To sum up, it mainly starts from ten aspects: initial mission, nature and essence, value orientation, political road, spiritual character, institutional mechanism, fundamental thread, mental state, responsibility, education and training. First, emphasize and adhere to the party’s "initial heart and mission", that is, to seek happiness for the people of China and rejuvenation for the Chinese nation, and emphasize "Do not forget your initiative mind, remember the mission"; The second is to emphasize and adhere to the nature and essence of the Communist Party of China (CPC), that is, the vanguard of the working class in China, but also the vanguard of the people of Chinese and the Chinese nation; The third is to emphasize and adhere to the Communist Party of China (CPC)’s fundamental position and value orientation, that is, taking the people as the center; Fourth, emphasize and adhere to the Communist Party of China (CPC)’s political development path, and organically unify the party’s leadership, the people being the masters of the country and governing the country according to law; Fifth, emphasize and adhere to the party’s spiritual character, be brave in self-revolution, and strengthen the restriction and supervision of power operation; Sixth, emphasize and adhere to the main line of party building,Committed to building the Communist Party of China (CPC) into a political party with both advanced nature and ruling ability; Seventh, emphasize and adhere to the never-ending mental state and indomitable struggle posture; Eight is to emphasize and insist on responsibility. A party with responsibility will take responsibility for the nation, the people and the party; Ninth, emphasize and persist in the lofty ambition of striving for the realization of ideal goals for life; Ten is to emphasize and insist on strengthening Marxist education for party member cadres, so that party member cadres can master the Marxist world outlook and methodology. These ten aspects are aimed at making the Communist Party of China (CPC) people stick to politics, faith, spirit, ability, style, purity and responsibility, so that they can effectively cope with various risks and challenges.

  Secondly, relying on institutional advantages and governance efficiency to overcome all kinds of difficulties and obstacles. The Fourth Plenary Session of the 19th CPC Central Committee made an incisive summary of the remarkable advantages of China’s national system and national governance system for the first time, and put forward thirteen remarkable advantages. This is based on the practical experience of China’s economic and social development since the founding of New China. It is based on these 13 remarkable advantages that we have created a miracle of rapid economic development and long-term social stability, and ushered in a great leap from standing up, getting rich and becoming strong. These 13 remarkable advantages are extremely effective in responding to various risks and challenges, which can be clearly seen from the major strategic achievements made in this "China Anti-epidemic". At present, our party is committed to better transforming the institutional advantages into the effectiveness of national governance, enhancing the ability of national governance and creating a miracle of China’s governance. The governance of China with institutional advantages and governance efficiency as its core content will certainly help to cope with and overcome various risk challenges.

  Finally, rely on the people to gather the majestic power of rain or shine to overcome all kinds of difficulties and obstacles. The people are the main body of creating history and a powerful driving force for historical development. Among the people, there is rich experience and wisdom. Therefore, the people are the greatest strength for the Communist Party of China (CPC) to be in power, and the people are the source of our strength. History has shown and practice has proved that whenever our country is at a critical moment to deal with major risk challenges, our party always relies on the people to tide over the difficulties and win. The reason why China has made great strategic achievements in fighting the epidemic this time is that under the leadership of the Communist Party of China, it has exerted its institutional advantages and governance efficiency, and relied closely on the people to win the people’s war, the overall war and the blocking war for epidemic prevention and control. Without the broad masses of the people, we will not only achieve nothing, but also find it difficult to effectively deal with various risks and challenges.

Is COVID-19 vaccine going to be charged? Can I get the first vaccination in June? 8 authoritative responses!

The State Council joint prevention and control mechanism held a press conference on May 31st to introduce the situation of epidemic prevention and control and vaccination. Since May, a total of 50 new confirmed cases have been reported in China, and new confirmed cases or asymptomatic infected people have been reported for 18 consecutive days, involving many provinces.The epidemic situation is characterized by rapid spread and strong spread of strains. The the State Council Joint Prevention and Control Mechanism has sent a working group to Guangdong to guide the handling of the epidemic..What other latest news is worth paying attention to? Let’s look at it together-

How is the national vaccination going?

As of May 30, the country has reported vaccination with Covid-19 vaccine.639.172 million doses. Vaccination has been accelerated on a large scale, with an average of 12.47 million doses per day since May, 2.58 times that of April, with the highest dose per day exceeding 20 million.We should continue to accelerate vaccination and build the Great Wall of Immunization..

How to arrange the recent vaccination work?

From June 10 to 30, the second dose of vaccination was mainly carried out for these target groups who had already received the first dose.However, for those with special needs, such as going abroad and other epidemic prevention and control, continue to inoculate the first dose of vaccine.After July, the first and second doses of vaccination will continue to be fully promoted., do a good job of COVID-19 vaccine inoculation in an orderly manner.

Is COVID-19 vaccine going to be charged?

At present, our vaccination work is based on the needs of epidemic prevention and control in COVID-19, combined with the actual vaccine supply and the vaccination work arrangement at this stage. We advance by steps, highlight key points, and give informed consent.The principle of voluntary and free vaccinationTo vaccinate all kinds of people step by step.Everyone must not believe in rumors, let alone spread them..

Local sporadic cases have appeared in some places one after another. Will the normalization prevention and control measures be adjusted?

Recently, the local epidemics, especially in Guangzhou and Shenzhen, were all caused by the import of foreign viruses.Shenzhen was caused by the mutant virus first discovered in Britain, and the epidemic in Guangzhou was caused by the mutant virus first discovered in India. The spread ability of these two viruses was enhanced than before..

According to this new situation, all the tools in the toolkit for preventing and controlling the spread of epidemic should be called out, and it should be adopted and implemented accurately and forcefully.It may be strengthened and adjusted accordingly in terms of implementation strength, scope and duration..

Any suggestions for the Dragon Boat Festival holiday?

The advice given by holiday activities related to the past has not changed much. It is still that individuals should take precautions. Personal preventive measures include wearing masks in public places, paying attention to personal hand hygiene and respiratory etiquette.

In addition,People in medium-risk and high-risk areas should try to avoid unnecessary travel and reduce the cross-regional spread of the epidemic..

If you have fever or respiratory symptoms during the trip, you should quit the trip in time, avoid contact with other people and seek medical advice in time.Especially to the standardized medical institutions with fever clinics..

Is the domestic COVID-19 vaccine effective for the mutant strain?

We carried out a cross neutralization experiment in China by using the serum obtained from overseas Phase III clinic, including strains found in South Africa and Britain, including epidemic strains found in different regions of China. Up to now, these sera can still react well with these viruses.It should be said that the vaccine still has good protection..

The variation of the virus is eternal, it happens naturally, and at present,As long as the mutation of the virus can be controlled, the vaccine should still be able to protect the current situation for a long time..

Under some special circumstances, enterprises in China are also ready to develop new vaccines in response to sudden major mutations.Vaccines against mutant strains can be developed quickly..

What are the contraindications of Covid-19 vaccine?

Technical Guide to Vaccination in COVID-19 (First Edition)Five situations of vaccination taboo are specified, including:

1. When Covid-19 vaccine or similar vaccine was inoculated before.Have had allergies, this isAn absolute taboo.

2. Previous vaccinationHaving had a severe allergic reaction.

Step 3 suffer fromUncontrolled serious nervous system diseasesYes.

4. beingFeverOr suffer fromAcute diseaseorPatients with acute attack of chronic diseases.

5. Uncontrolled patients with severe chronic diseasesThese are relative taboos.

(The third, fourth and fifth categories are relative taboos. In the course of clinical research, it is not found that vaccination of these groups of people can lead to serious adverse reactions, but it is listed as a taboo for vaccination in order to prevent and guard against it. )

Some taboos, such as fever, acute disease and acute phase of chronic disease, are temporary. When these circumstances leading to taboos no longer exist,You can be vaccinated after recovery and stable disease control..

·Breast-feeding and menstrual women are not taboo for vaccination. Patients with depression, anemia, heart stent, etcIf the drug is well controlled, the condition is stable or you can live a normal life, you can also be vaccinated.

Whether you are taking antiviral drugs and can be vaccinated with Covid-19 vaccine depends on the condition at that time.If you can’t judge yourself, you can consult a clinician to judge whether you can be vaccinated..

What’s the difference between one shot, two shots and three shots?

What we are currently usingInactivated vaccine, adenovirus vector vaccine and recombinant protein vaccine.. These three types have their own characteristics in vaccine composition, production technology, immune principle and immune procedure.

·inactivated vaccineIn the preparation process, the virus is inactivated after a large number of cultures, purified after verification, and then turned into a vaccine. The main feature of this vaccine is that the technology is very mature, it has been used for hundreds of years, and the quality is very stable.Side effects are relatively few., 2 to 8 degrees storage, easy to transport and use.This vaccine is usually given with two injections.The first needle stimulates the immune system to produce memory cells, and the second needle induces a stronger antiviral immune memory response.

·Adenovirus vector vaccineThe S protein of the virus is introduced into adenovirus type 5 vector, and this antigen is introduced into cells by virtue of the ability of adenovirus to enter cells efficiently, and its expression stimulates the immune system. Because of its high efficiency and relative lack of resources,One shot is the whole process of immunity., you can improve the vaccination rate of the whole process of immunization.

·Recombinant protein vaccineIt is to use genetic engineering technology to set up engineering cells to express virus S protein, so that it can be expressed efficiently, and then it will become a vaccine after extraction.In most cases, this vaccine is given three injections, and the best immune response will be obtained after three injections..

These three kinds of vaccines are safe, effective and quality-controllable.The public can safely choose any vaccine for vaccination.

The public must complete the whole process of vaccination and cannot give up halfway.Otherwise, the best protection effect set by the vaccine will not be achieved, that is, preventing virus infection, preventing illness and preventing severe illness.

We can’t relax other public health prevention and control measures when we don’t reach the group immunity barrier among the people.. We haven’t reached the group immunization standard set by the state. After reaching the standard, the country will have corresponding new prevention and control guidelines.

Changan CS75PLUS to learn about the rich configuration.

If you want to buy a car, it is estimated that you are also struggling to buy what products are best for you. Today, Xiaobian picked a car in the compact suv and introduced it to everyone. It is. So whether this car is a mule or a horse, let’s take a look at its actual performance.

Let’s take a look at the appearance of Changan CS75PLUS. The front face of Changan CS75PLUS is very cool, and it is very sporty with a large butterfly-wing air intake grille. Coupled with the elegant headlights, the shape is very domineering and stylish. The car is equipped with LED daytime running lights, automatic opening and closing, adaptive far and near light, delayed closing and so on. Coming to the side of the car, the size of the car body is 4770 mm * 1910 mm * 1705 mm. The car adopts stable and atmospheric lines, and the car side presents a streamlined design style. With large-sized thick-walled tires, the overall visual effect is very simple. In the rear design, Changan CS75PLUS has exquisite rear lines, comfortable taillight style and fashionable and simple shape.

In terms of interior, the interior looks very cold and it is easy to impress the hearts of young consumers. The steering wheel of the car is very in line with the interior style, and it is equipped with functions such as manual steering wheel up and down+front and rear adjustment, and its practicality and face value are not bad. From the central control point of view, the car is equipped with a touch-sensitive LCD central control screen, which makes the interior style impressive and the details are still in place. The interior feels good. Let’s take a look at the dashboard and seats. The dashboard design is remarkable, and the information is easy to read and clear. The car uses imitation leather seats, which are wide and thick and very comfortable to ride.

Changan CS75PLUS matched automatic (AT) gearbox, with an acceleration time of 7.9s seconds per 100 kilometers, has good power performance and is completely OK for daily use.

Next, look at the configuration. Changan CS75PLUS is equipped with driving mode selection, remote control key, Bluetooth key, rear wiper, interior atmosphere light, engine start and stop and other configurations.

This class of cars can often give consideration to both cost performance and practicality, and is often considered by most consumers as the first choice when buying a car. If you have plans to buy a car, Xiao Bian thinks it can be included in the alternative list.

A "flash" brother was killed on the streets of Shanghai! Urgent reminder: you need to pay special attention when you go out today.

last night

Shanghai issues gale blue warning signal.

Night of 27th to 28th.

There is also a strong wind!

I haven’t shaved enough yesterday, so I will continue today! )

Yesterday, some netizens reported on social platforms.

Disney’s trees were all broken.

This record records a lot.

Shanghai residents shared the good things of today’s air drying.

↓↓↓

"clothes and sheets have disappeared."

"The takeaway brother was blown down."

"Cycling is blown to the motorway"

"The door fell off."

"The car was smashed."

Street trees suddenly fell down.

"Flash" brother was killed

On the afternoon of July 27th, some citizens reported that it was located at the intersection of Xiuyan Road, Kangshen Highway, Pudong New Area.A sycamore tree suddenly broke, fell down and hit a "flash" brother who was riding an electric bicycle.. Enthusiastic citizens quickly dialed 110 and 120 to help send them to the hospital urgently.Unfortunately, the client has died.

Photo courtesy of netizens at the scene of the incident (the same below)

The reporter learned from Kangqiao Town that the accident happened at 1 pm yesterday, and the street trees involved were planted near Kangshen Highway (Xiukang Road-Chuanzhou Highway). The reporter saw from the video shot by the reporter that,This street tree has a long tree body and dense leaves. A little brother was crushed under the fallen tree, and there was a courier box with the words "Flash" beside him, and the electric bicycle was also thrown aside.

A "hole" is formed in the trunk

The management unit of street trees in this section is Shanghai Engineering Construction Consulting and Supervision Co., Ltd.. The reporter contacted the person in charge of the company."This is a buttonwood tree, which has a shallow’ root’ and the strongest grip, and is easily affected by soil, pests and the environment."Mr. Wang introduced that he saw at the scene that the broken tree was more than 3 meters long and the branches spread out, about 6-7 meters long.

There are still some holes in the trunk of buttonwood tree, which is preliminarily judged to be affected by typhoon and blown off by strong wind.At present, the site has been handed over to the relevant departments for handling, and the specific cause of the accident and the determination of responsibility are still under investigation.

Relevant departments were present for handling.

After many departments arrived, Kangqiao Town Government sent a maintenance company to deal with it in time and remove the broken tree and scattered branches and leaves.

Unfortunately, the reporter learned before the deadline that,byThe little brother who was smashed has died. At present, the identification and aftermath of the accident are still going on.

Some citizens have called for the relevant maintenance and management units to do a good job in the maintenance of street trees to protect the lives of citizens when typhoon days come.

The reporter learned from the 12345 citizen service hotline that,Affected by typhoon "Gemei", at 20 o’clock on July 26 to 27,The hotline has received more than ten requests for the safety of falling objects from high altitude.. At present, the power connection of the hotline tends to be stable, and all districts deal with various emergencies in an orderly manner.

The typhoon warning signal has been lifted.

Why is the wind still so strong?

It was windy and windy yesterday."Gemei"

Can’t get away with it!

Typhoon Gemei, which was supposed to cross the same latitude in Shanghai in the morning, went too slowly. By 3 or 4 pm, the circulation center was still stranded in Jiujiang City, Jiangxi Province. Therefore,Affected by its peripheral circulation, the southeast wind in Shanghai has reached level 7, and the gust is at least 8-9. The wind in coastal areas along the river is even stronger, and the gust wind can even reach 9 to 10!

The latest news of typhoon:

This year’s No.3 typhoon "Gemei" weakened into a tropical depression in Huangshi City, Hubei Province at 20 o’clock yesterday. It is expected to move slowly to the west in the future, and its intensity will be further weakened.

Influenced by the gradient wind between Gemei low pressure circulation and offshore high pressure,From the night of 27th to the day of 28th in this city, there are southeast gusts of 7-8, and high-rise buildings and coastal areas along the Yangtze River can reach 8-9.Please take precautions.

How strong is the 9-10 wind? ※? There is a wind song in meteorology, which mentions that it is inconvenient to walk in the wind at level 7, branches are broken by level 8 wind, tiles are flying on the roof at level 9, and trees are pulled out at level 10 and houses fall down.

Strong winds also bring security risks. When the airflow enters the narrow terrain from the open area, the passage becomes smaller, the air circulation speed is accelerated, and the wind force will suddenly increase. The influence of this terrain on the airflow is called the narrow tube effect, also known as the "canyon wind".The narrow tube effect is easy to produce strong winds between high-rise buildings with small spacing. When weather such as typhoon is superimposed, the wind will suddenly increase and may become disastrous windy weather.Therefore, it is especially reminded that navigation by water and aerial work must pay attention to wind prevention and avoidance, and high-rise buildings should collect outdoor items to prevent falling objects from injuring people.

Typhoon brings strong winds and heavy rain in summer.

Be more alert to falling objects.

The security problems brought about.

Don’t underestimate the "little thing". A palm-sized watermelon skin or an egg falling from the 25th floor can smash a person’s skull, which is extremely lethal.

Xiaofang reminds me again.

Be careful of falling objects!

You must pay attention to safety when traveling in windy days!

I feel hot today.

The city will usher in the third round of high temperature and heat wave weather.

The subtropical high is back again, and due to its strengthening westward extension, it is mainly cloudy in Shencheng today.Attention should be paid to prevent short-term showers or thunderstorms in some areas in the afternoon.. The lowest temperature is 29℃ and the highest temperature is 34-35℃. The relative humidity is 90%-55%, and the body feels hot.

With the subtropical high strengthening its westward extension, the city will usher in the third round of high temperature and heat wave weather.It is expected that the sunny, hot and high temperature weather will be maintained before August 5, and the extreme maximum temperature can reach about 39℃.At the same time, due to the influence of high temperature weather and sea-land breeze circulation, local strong convective weather is prone to occur in the afternoon to evening, which may be accompanied by lightning, short-term heavy precipitation and thunderstorms.

By the way, everyone, these days

Feel the "gale"?

Be sure to be safe!

Jinhua Volvo XC90 price reduction information! Reserve price 472,000, limited-time special offer

[Autohome Jinhua Promotion Channel] brings you the latest news, the much-anticipated Jinhua area is holding a grand promotion. At present, car buyers have the opportunity to enjoy attractive concessions of up to 174,900, which brings the starting price of this luxury SUV down to 472,000. This is an opportunity not to be missed. If you are interested in the Volvo XC90, be sure to click "Chatti Car Price" in the quotation form to get a more competitive car purchase discount. Hurry up and seize this rare car buying opportunity!

金华沃尔沃XC90降价信息!底价47.2万,限时特惠

金华沃尔沃XC90降价信息!底价47.2万,限时特惠

The Volvo XC90 exudes its charm with its refined body proportions and elegant side lines. It measures 4953mm x 1958mm x 1778mm with a wheelbase of 2984mm, providing a spacious interior. Unique front wheel specifications are 275/45 R20, and the rear wheels are also 275/45 R20. These tires not only ensure excellent grip, but also complement the rim style, which together shape the vehicle’s dynamic appearance.

金华沃尔沃XC90降价信息!底价47.2万,限时特惠

In terms of interior, the Volvo XC90 presents the sophistication and luxury of Nordic design. The cockpit is wrapped in high-quality leather material, and it is equipped with an excellent leather steering wheel to provide a comfortable hand grip experience. Its steering wheel supports manual up and down + front and rear adjustment to ensure the best operating angle for the driver. The central 9-inch control screen shows the sense of technology, integrating multimedia system, navigation and phone functions, and automatic speech recognition control system to make operation more convenient. The seat configuration is also excellent. The front and rear seats are made of leather, and the main and passenger seats support multi-directional adjustment, including front and rear, backrest, high and low and waist support, providing passengers with extremely high comfort. In addition, the front seats are also equipped with a heating function, so that the driver and passengers can feel warm in the cold season. The memory function of the power seat provides the driver with the possibility of personalized settings, while the rear seat supports proportional reclining, which increases spatial flexibility.

金华沃尔沃XC90降价信息!底价47.2万,限时特惠

The Volvo XC90 is powered by a 2.0T turbocharged engine with a maximum power of 184 kilowatts and a torque output of 350 Nm, delivering 250 horsepower. This engine is paired with an 8-speed automatic transmission, ensuring the vehicle’s efficiency and driving pleasure.

To sum up, the Autohome owner is full of praise for the Volvo XC90. He especially appreciates its domineering exterior design and sturdy body, as well as spacious interior space. In addition, the price concessions he mentioned are also a major highlight of buying a car. Overall, the Volvo XC90 not only meets his needs visually and comfortably, but also gets his approval in terms of cost performance. If you are also interested in an SUV that is both practical and stylish, the Volvo XC90 is undoubtedly a worthy choice to consider.

Qingyuan area extremely krypton 007 hot promotion, special price 229,900! If you miss it, you won’t

[car home Qingyuan Preferential Promotion Channel] Good news! Preferential activities are under way, with the price reduction as high as 10,000 yuan, and the minimum starting price is only 229,900 yuan! This highly regarded model can enjoy this discount in Qingyuan area, making your car purchase more affordable. If you are interested in Krypton 007, don’t miss this excellent opportunity to buy a car. Please click "Check the car price" in the quotation form to get a higher discount.

https://car3.autoimg.cn/cardfs/product/g30/M0A/2E/90/autohomecar__ChxknGWKsk6AInoTAC85QX305mQ192.jpg

The exterior design of Krypton 007 is fashionable and dynamic, the front face design is unique, and the air intake grille is closed, showing its identity as a new energy vehicle. The front part of the car adopts a streamlined shape, with sharp headlights and a highly recognizable front bumper, which makes the whole car look very sporty. The body lines are smooth, the overall style is fashionable and atmospheric, and the rear part adopts a unique taillight design, which shows the brand’s personality. The body adopts fashionable color matching, which makes the whole car look younger and more dynamic, and the overall style is very in line with the aesthetics of modern young people. In addition, the Krypton 007 car series is also equipped with large-size rims and a low body, which further enhances the sense of movement of the vehicle. In a word, the design of KYK 007 is fashionable and dynamic, full of sense of technology and futurity, and it is a very attractive new energy vehicle.

https://car2.autoimg.cn/cardfs/product/g27/M00/1C/CC/autohomecar__ChxkmWWKsjGAH7fEAC-YeLGxpTQ654.jpg

Extreme Krypton 007 is a large SUV with a length, width and height of 4,865 * 1,900 * 1,450 mm, a wheelbase of 2928mm, a front tread of 1635mm and a rear tread of 1650mm, respectively. The body lines are smooth and strong, showing a sense of movement and luxury. Tyre size is 245/45 R19 in both front and rear, and the rim style is fashionable and dynamic, which adds a lot of color to the overall shape.

https://car2.autoimg.cn/cardfs/product/g25/M08/22/D7/autohomecar__ChxkqWWKt4SASM5SACpzP0l3fL8921.jpg

The interior design of Krypton 007 is stylish and simple, focusing on the driver’s comfort and driving experience. The steering wheel is made of leather and supports electric up-and-down and forward-and-backward adjustment, so that the driver can easily find the most comfortable position. The central control screen has a size of 15.05 inches and is equipped with a voice recognition control system, which can control functions such as multimedia, navigation, telephone and air conditioning. The front and rear rows are equipped with two USB/Type-C interfaces, which is convenient for passengers to charge. The front row is also equipped with a mobile phone wireless charging function. The seat is made of imitation leather and genuine leather, and the front and rear, backrest, height, leg rest and lumbar support can be adjusted in many directions, so that both drivers and passengers can find the most comfortable sitting position. The front seats are also equipped with heating, ventilation and massage functions to provide a more comfortable driving experience. The driver and co-pilot can also easily adjust the seat position through the power seat memory function. The rear seats support proportional tilting, providing passengers with more storage space. In a word, the interior design of Krypton 007 pays attention to humanization, providing rich configuration and comfort, so that drivers and passengers can feel better enjoyment during the journey.

The engine equipped with Krypton 007 has excellent power performance, with a maximum power of 310 kW and a maximum torque of 440 N·m, which can provide strong power output for vehicles. This engine adopts advanced technology and design, which can provide excellent acceleration and stable driving experience. At the same time, it also has the characteristics of high efficiency and low emissions, bringing users a more environmentally friendly and economical driving experience. Whether on urban roads or highways, Krypton 007 can easily cope with all kinds of road conditions and bring excellent driving experience to users.

The interior and exterior design of Krypton 007 is one of the biggest highlights of the car. As the owner of car home said, its HIDDEN ENERGY design style is very in line with his personal aesthetics, which is both a bit sci-fi and a bit hidden. The design of two large glasses on the roof not only makes the whole vehicle more futuristic, but also solves the problem that the paint on the roof is easy to oxidize. In addition, the interior and outline design of Krypton 007 are also excellent, showing a low-key sense of science and technology and strength. Therefore, it can be said that the design of Krypton 007 is one of its biggest selling points, which can meet consumers’ demands for fashion, technology and functionality.

Why did "online celebrity Poison Toys" enter the market?

  ● Bubble glue, wax seal and "nano-glue blowing music" … … There are a large number of "three noes" toys with simple packaging and no production information online and offline, and no safety reminders or tips are used. However, they are very popular among primary and secondary school students because of their diverse colors and strange shapes.

  ● On social platforms, many parents complained that their children were burnt when playing with wax seals, and some parents said that their children had dizziness, nausea and rhinitis after playing, and attached photos and videos. The reporter bought two kinds of bubble gum, and washed his hands with clear water after playing, leaving a gum smell on his hands.

  ● Identify the quality and safety issues in the children’s toy market and strengthen supervision measures. Establish a complete and strict toy market access system, and put an end to the production of harmful toys on the production line. The establishment of a "blacklist" system will force producers and operators to enhance their consciousness of fulfilling the first responsibility of quality and safety.

  □ Our reporter Zhang Shoukun

  "Who invented this ‘ Poisonous toys ’ It’s for children. Don’t you have any children? My daughter-in-law bought back so much … …” Recently, a video of "poisonous toys" around children has sparked heated discussion among netizens.

  In the video, bloggers showed various "poisonous toys" such as bubble gum, cream gum, slime mud and wax seal. In the message area at the bottom of the video, many people said with concern that some "poisonous toys" that are not up to standard and harmful to health have become "online celebrity toys" because of their various colors and strange shapes, and they are entering the children’s world with overwhelming force.

  What "poisonous toys" are hidden around children? How to manage it? In this regard, the "Rule of Law Daily" reporter recently launched an investigation.

  A variety of poisonous toys are favored.

  There are health risks.

  "How much is this toy that looks a bit like plasticine?"

  On the evening of July 5, the reporter went to a stationery store in Hedong District, Tianjin and asked about the price of a toy. Stationery store owner told reporters that this is not plasticine, but a "bubble gum" with similar gameplay to plasticine.

  The biggest feature of foaming glue is its fluidity, which looks sticky but never touches your hands, like jelly. Foaming glue can be played in a variety of ways. The common way is to add different pigments into different crystal pastes and foaming glue, knead and squeeze them to make another glue with unique color, or knead and press them to achieve the effect of decompression.

  The boss told reporters that this toy sells very well, and many children and parents come to buy it every day. The reporter noticed that these foaming glues have various colors, but the packaging is relatively simple. There is only one plastic bottle and colloid, and there is no word on the bottle. "This is the case when purchasing goods. Don’t worry about buying it, as long as you don’t give it to children under 3 years old." The boss said.

  The reporter bought four kinds of foaming glue, which cost 12 yuan. When you open it, there will be an irritating "fragrance" coming to your nose. When you put it on your hand, it will flow around like "water" and you can squeeze and knead it at will. The reporter bought foaming glue at the same price in another stationery store nearby. When it was opened, it smelled like paint. The reporters played with these two kinds of bubble gum for a while, then washed their hands with clear water, but there was still a gelatinous smell on their hands.

  According to insiders, the reason why foaming glue can be shiny, elastic and fluid is because borax is added. Borax is the common name of sodium tetraborate, which is usually a white powder containing crystals and easily soluble in water. Widely used in industry, it can be used to produce daily chemical products such as detergents and pesticides. It should be noted that borax is highly toxic, and excessive intake can cause multiple organ cumulative poisoning. According to the Food Safety Law and the Hygienic Management Measures for Food Additives, borax is banned from being used as a food additive.

  In the investigation, the reporter learned that toys such as foaming glue, wax seal (from an ancient way of sealing letters) and "nano-glue blowing music" are also selling hot online and offline, which are very popular among primary and secondary school students.

  "Fun wax seal can exercise children’s concentration" and "Best gift for daughter" … … The reporter searched with "wax seal" as the key word on the short video platform, and many recommended videos appeared. However, on an e-commerce platform, searching with "wax seal" as the key word, there were tens of thousands of related products.

  The reporter bought a set of wax seal in an online shop that has sold more than 20,000 items. After receiving the goods, he found that there were tools such as candles, wax particles and metal spoons. As seen offline before, there was no specific key information such as factory name and address, composition description, etc.

  According to the tutorial, the reporter lit the candle, then put the wax melting spoon on the candle table, and put the colored wax particles in the spoon for heating. After a period of time, the wax particles melted and smelled a pungent smell. Subsequently, the reporter poured the melted wax particles on the pad and pressed it with the seal head to form a wax seal.

  It is understood that wax particles of wax seal are not the same substance as ordinary candles, and their main components are rosin, turpentine and insect film. Rosin is toxic in solid state, but its toxicity is weak, which is not harmful to human body. When rosin encounters high temperature, when it changes from solid state to liquid state, it will release heavy metals and harmful compounds such as lead. After oxidation, rosin contains tar and ammonia gas.

  Recently, the Shanghai Municipal Market Supervision Bureau exposed a number of wax seal products that were found in risk monitoring and had great security risks, and issued consumer warnings. In the monitoring, the prominent problems are that the temperature around the heating part of the product rises too fast, and there is a risk of scalding; Some wax seal products use candy instead of wax, and take "edible" as a selling point. However, these candies are packaged into wax seal gift packages, and there are no labels for traceability and inspection, so the quality and food safety are in doubt.

  The reporter found that on the social platform, many parents complained that their children were burned when playing with wax seals, and some parents said that their children had dizziness, nausea and rhinitis after playing, and attached photos and videos.

  And "nano-glue blowing music" looks like a roll of adhesive tape. Cut a section and heat it slightly, and blow it with a straw to make creative bubbles. Similarly, there is "bubble gum", which looks like travel toothpaste and is divided into many colors.

  The reporter bought three kinds of nano-glue and bubble glue from online and offline respectively, and their packaging did not indicate the material of the products, and two of them did not indicate the manufacturer and production address. Public reports show that if the heating time of nano-glue is not well controlled, it will also release toxic gases.

  The situation of bubble gum is also not optimistic. During the use, the reporter found that because the plastic blowpipe is only 5cm, once the mouth is loosened during the blowing process, the gas in the bubble will "ruminate" into the mouth through the blowpipe, accompanied by a pungent taste.

  Previously, some media sent three kinds of bubble gum samples for inspection. The experimental data showed that acetaldehyde, ethyl acetate and other chemical components were detected in the volatiles of three kinds of bubble gum samples, which were all toxic and harmful to human body. After inhaling into the respiratory tract, these substances will have different effects on the human body. Testing experts said that although methyl acetate, ethyl acetate and butanone are low toxic substances, long-term inhalation can still cause nausea, vomiting, abdominal pain and diarrhea.

  "Buy a ‘ Poisonous toys ’ Give it to the child. If the child has physical problems, who will be responsible? " This is the common aspiration of many parents under the popular science articles and videos related to "poisonous toys".

  Three products are freely circulated.

  Expose loopholes in supervision

  The reporter’s investigation found that there are a large number of "three noes" toy products online and offline, and there are no safety reminders or tips.

  "Then why are these goods allowed to be sold?" Many parents from Beijing and Tianjin, while expressing their concerns, also raised questions about toy standards and supervision.

  Wang Jibiao, director of Beijing Yinghe (Haikou) Law Firm, said that in order to ensure the safety and quality of children’s toys and protect children’s personal health and safety, the National Technical Specification for Toy Safety has developed from the original 1986 edition to the current 2014 edition, and the standardization system has been continuously improved, forming the national standard 1-4 of GB6675-2014 National Technical Specification for Toy Safety, which will be mandatory on January 1, 2016.

  "There are four mandatory national standards, and the requirements for toy production are more comprehensive and strict." Wang Jibiao said that the national standard has expanded the scope of application of the standard, not only for toys and materials designed or scheduled for children under 14 to play, but also for products that are not specially designed for play but have play functions for children under 14. At the same time, the standard improves the requirements for safety indicators such as sound, mechanical parts and combustion performance. The new standard also lists six kinds of plasticizers, such as dibutyl phthalate (DBP), as restricted substances.

  According to Wang Jibiao, relevant departments in China have successively issued a series of policies in the field of toy safety. For example, in May 2022, the State Council issued the Notice on Printing and Distributing the Action Plan for New Pollutant Control, which incorporated the pollutant content control requirements into the mandatory national standards for toys, school supplies and other related products and strictly supervised their implementation.

  According to lawyer Wang Yi, deputy director of the Management Committee of Beijing Yingke (Xi ‘an) Law Firm, in practice, there are still some imperfections in the relevant standards, such as the incomplete coverage of toy safety standards, the lack of standardization in the expression of toy safety labels, and the lack of clear provisions on the location of toy product labels, which leads to the inability to standardize safety labels.

  “‘ Three noes ’ Products and products containing harmful substances that affect children’s health can be freely circulated in the market openly, exposing the regulatory authorities’ concern for such ‘ Online celebrity Poisonous Toys ’ There are loopholes in the supervision of, and some testing and supervision standards have lagged behind, which cannot cover ‘ Online celebrity Toys ’ Raw materials, coatings, structures, parts and other elements, to ‘ Online celebrity Toys ’ The unhealthy and unsafe factors provide a certain living space. " Wang Yi said.

  In the investigation, the reporter found that these "toxic online celebrity toys" are often packaged simply, lacking product information, instructions for use and risk warning. Then, what information should be included in the packaging or instructions of toys, and should the raw materials used be clearly written like food?

  Wang Yi said that according to GB5296.5— In the Instructions for the Use of Consumer Goods in 2006, in the instructions for the use of toys, the manufacturer should indicate the product name, product model, product standard number, age range, safety warning, the name and content of the main components of the plush toy material, the safe use method and assembly drawing, maintenance and maintenance, safe service life, the name and address of the producer and distributor, etc. At the same time, toy safety labels and instructions should also conform to children’s cognitive development.

  "For the raw materials used in toys, it is very necessary to specify the specific materials and ingredients. Toys containing fillers should indicate the main ingredients or materials, such as safety materials: non-flammable, hygienic, non-hard, sharp substances, and new materials: new or disinfected materials." Wang Yi said.

  Wang Jibiao introduced that according to the provisions of Article 55 of the Law on the Protection of Minors, the production and sale of food, medicines, toys, utensils, game amusement equipment and amusement facilities for minors shall conform to national or industrial standards and shall not endanger the personal safety and physical and mental health of minors. The manufacturer of toys should indicate the precautions in a prominent position, otherwise they may not be sold. If the provisions of this article are not fulfilled, the competent department shall order it to make corrections and impose administrative penalties according to law.

  Blacklist and strengthen supervision

  Claim for damages according to law

  At the recent press conference on "Strengthening the quality and safety supervision of children’s and students’ products to protect the healthy growth of children", the relevant person in charge of the General Administration of Market Supervision said that since last year, the national market supervision departments have investigated and dealt with 4,371 cases of quality violations in the field of children’s and students’ products, involving goods worth 19.782 million yuan. This year, the inspection focused on the chemical, physical and combustible hazards of "online celebrity Toys", the dangerous stationery products with "three noes", missing warning notes or unreasonable age labels sold in shops around the campus, and the unqualified safety indicators of children’s textile products such as ropes and pH values.

  For "online celebrity Toys", how can we raise the bottom line of quality and protect the safety of children and teenagers?

  Wang Jibiao believes that in order to establish a complete and strict toy market access system, toy manufacturers should have corresponding production qualifications, produce in strict accordance with the safety production norms formulated by the state, and put an end to the production of harmful toys on the production line. At present, China has clearly implemented compulsory certification for six kinds of products sold in China: baby carriages, electric toys, plastic toys, metal toys, doll toys and ejection toys.

  "Establish a dangerous toy reporting system according to the suggestions of relevant industry experts to prevent dangerous toys from continuing to circulate more effectively. After the establishment of this system, with the help of consumer associations, medical institutions and education systems, an effective channel for discovering dangerous toys can be established through multi-network linkage, and dangerous toys can be discovered at the first time and consumer warnings can be issued. " Wang Jibiao said.

  Wang Jibiao said that at present, online sales of children’s products are developing rapidly, and online platforms need to assume regulatory responsibility for the goods or services sold. The platform should improve the entry threshold for sales, strictly observe the quality barrier, and smooth the complaint channels to ensure the quality and safety of children’s products, especially "online celebrity Toys". If the platform fails to fulfill its audit and security obligations, causing damage to consumers, the relevant departments shall investigate and deal with it according to law.

  Wang Yi suggested that we should actively carry out the risk monitoring and evaluation system for children’s toys, and identify the quality and safety problems in the children’s toy market by collecting and analyzing information such as complaints, sampling inspection, law enforcement and enterprise production, and strengthen supervision measures. At the same time, the establishment of a "blacklist" system will force producers and operators to enhance their sense of self-discipline and enhance their consciousness of fulfilling the first responsibility of quality and safety. Relevant e-commerce platforms, market platforms and regulatory authorities rely on the "blacklist" to carry out targeted verification or inspection to build a safe defense line for children’s toys.

  "It is necessary to cultivate consumers’ safety awareness, widely publicize the 3C logo, and let consumers choose toys with 3C certification. Don’t buy toys without information such as factory name and address, and cultivate correct consumption concepts." Wang Yi said.

  If a child ingests harmful substances in the process of playing "poisonous toys", can he ask the merchant or producer to make compensation?

  Xiaojuan Zhu, an associate professor at China University of Political Science and Law, believes that if the toy producer gives a risk warning, the parents fail to fulfill their duties as guardians, and the child’s improper use of toys leads to health damage, then the merchant or producer does not need compensation; If there is a lack of hazard and risk warning in the toy description or use tips, and the health damage caused to children is proved to be caused by toys, the manufacturer or merchant can be required to pay compensation according to the provisions of the Civil Code on product liability.

  In Wang Jibiao’s view, in the process of actual rights protection, it should be noted that product liability is no-fault liability for producers, that is to say, regarding the causal relationship between product defects and personal and property damage to others, the manufacturer of products should bear the burden of proof for the absence of defects in products, and the product qualification certificate and factory inspection report issued by itself cannot be used as exemption certificates.

  "Consumers generally only need to prove that excessive intake of harmful substances by biting, skin contact, breathing, etc. is an indispensable condition for damage; Harmful substances on toys increase the possibility of damage. When the above two elements are established, the equivalent causality is established. " Wang Jibiao said that consumers should consciously keep the relevant evidence items in case of injury and provide them to relevant departments for testing. At the same time, you should also provide purchase vouchers, hospital certificates, injury identification and other materials to safeguard your legitimate rights and interests.

I want to go to work, like a company.

Editor’s Note: This article is from WeChat WeChat official account’s "Burning Finance" (ID: rancaijing), by Zhao Lei Jin Yan Lijiao, Kong Mingming Tang Yahua Liming Meng Yana Su Qi, edited by Jia Wei and 36Kr.
With the epidemic raging, many companies are still required not to return to work before a specific date after the legal holiday is extended for three days. For this reason, many companies have adopted online office, and white-collar workers in the workplace have experienced a brand-new working mode for a week.
Today, some enterprises have resumed collective work, but in order to minimize risks, more companies still require employees to work from home. For most people who are used to collective work, working from home faces many new challenges.
Temptation is everywhere. Some people haven’t woken up at the morning meeting, some people will hesitate to watch the drama or work first, and some people just want to slap the cat and have no intention to work. Besides, even if they are self-disciplined, some people are tortured by the family environment, the noise of children, the doubts of parents and the trivial things of life, all of which make people collapse.
Everyone has different methods on how to ensure work efficiency and quality in a comfortable environment, how to deal with many interferences such as family members, pets and daily life matters, and how to deal with various attendance reporting regulations implemented by the company to ensure efficiency.
Burning Finance interviewed 11 professionals and listened to their real feelings about working at home. Their common aspiration was: "I want to go to work, like a company!"
Family care affects work efficiency, but you can’t get angry.
Hu Qing is a 28-year-old packaging designer of Internet company.
I do design work and serve Party A. I am busy at ordinary times and have no time to rest. At the end of last year, my health really couldn’t stand it. I took an extra week off and went back to my hometown in advance. I thought, leave some time to spend with my family, pick up what I didn’t have time to do before, and draw some watercolors. I bought a whole set of tableware specially years ago, thinking of going back to Beijing a few days in advance after the year and cooking for myself. It was a good idea.
Results Due to the epidemic situation, the start-up time was extended indefinitely. We officially started work on the 3rd, and I have been working in my hometown since the fifth day, because I still have some unfinished work from years ago. But working from home is very inefficient.
Although affected by the epidemic, the Spring Festival is not allowed to visit, but because mom and dad live with grandparents, the children of grandpa’s brothers still come to worship the New Year in batches. Some people with children are noisy for hours, and they can’t work without talking; Even if there are no guests, the family is basically restless. My dad and grandpa like to provoke each other when they play chess, and then they quarrel. Grandpa likes to read the news one by one, and he likes to talk to himself when watching TV dramas. It’s no use putting on headphones. Grandma comes in every few minutes to deliver snacks. She wants to make sure that the water in my cup is always full and warm. My mother asks me once a day before cooking, what to eat today. It’s obviously love, and you can’t get angry, and I can’t explain the nature of my work clearly.
After staying at home for half a month, I felt that I had reached the limit. I went back to Beijing ahead of time against their wishes. Only after I returned to Beijing did I find that eating became a problem. At home, I eat with my mouth open. When I come back, I have to do everything myself because I can’t order takeout. Before returning to Beijing, my mother was worried that I wouldn’t be able to cook pasta. She prepared dried noodles, steamed bread and various cakes in advance, and bought me two boxes of milk and instant noodles. The food ordered from JD.COM should also be eaten sparingly. The most important thing is that the level is limited, and I don’t want to eat any more after eating a few meals made by myself. One night, I really wanted to eat hot pot, and the e-commerce couldn’t deliver it. I wanted to go to the supermarket and buy it now, but I was finally persuaded by my roommate. In an extraordinary period, a hot pot has become extravagant. The next day, her mother came to cook us a five-color jiaozi to satisfy our hunger.
Five-color jiaozi made by my roommate’s mother Source/Respondent Photo courtesy
I used to complain that I was too busy at work and didn’t have time to exercise my cooking skills. I thought I was a gourmet who was delayed by work, but now I think I may be thinking too much. I miss the days when I ordered takeout with my colleagues and ate and drank with friends after work. ……
After frying all the dishes that can be fried, there is only a quarrel left.
Tangtang 30-year-old media practitioner
My husband and I have been married for more than a year. Usually, we occasionally cook on weekends and flatter each other’s cooking skills, which is quite fun. This epidemic, cooking at home for more than ten days in a row and continuing to work at home, really collapsed.
At first, I fried my own meatballs under the remote guidance of my mother. Up to now, we have compressed it into buying vegetables once every 10 days and eating two meals a day, and usually only one meal is decent, and the other meal is mainly leftovers. If you can’t do it again, quickly freeze jiaozi, stir-fried rice with eggs and cook instant noodles for two meals, and skip dinner for another meal on the grounds of losing weight. Moreover, we often cook when we are hungry, and we are already hungry when we are ready.
Figure/Pexels
We are both media people. Sometimes both of us have jobs and can’t cook. From time to time, we have to stage a decisive battle, waiting for each other to cook first. But the most angry thing is that he came to work several times as soon as the meal arrived. I don’t know if it was coincidence or intentional. And after I finish cooking, he always says, "Don’t wash the dishes, let me do it", but in the end, the dishes of each meal are put into the next one, and only when there is no way to cook can they be washed.
The office environment at home is also very poor. It is quite comfortable to work alone at a table, but two people will fight if they sit on their elbows in rows, and they will also affect each other if they are too close. In the end, I always put my computer on my lap to write in bed. After a few days, my waist and neck ached. In the end, I could only find a table that had not been used for ten thousand years and set up a temporary job. I changed jobs in front of the table.
I want to go back to work, the kind that goes to the company, the kind that can go out for dinner.
It depends on DDL to decompress cats at home every day and improve work efficiency.
Keke is 27 years old and an employee of a public relations company.
I have been working from home for five days. When I first knew that I wanted to work from home, I thought it would be particularly cool, but I may have overestimated my self-discipline. We have a routine meeting every morning, and I can basically guarantee that I am awake during the meeting. But working from home, I feel very insecure, because I can’t see others. Working from home may be half as efficient as before. When you are bored or anxious, and no one talks, it is easy to brush Tik Tok to relieve stress.
I think there is still the biggest challenge in working from home, that is, how to refrain from bothering the cats at home. My cat has been annoyed by me recently and attacks me every day. Moreover, working from home, buying food and eating is also a difficult problem. Since the closed management of the community, it is too much trouble to bring a pass when going out. I tried to order vegetables online, but I couldn’t grab vegetables until noon every day. I simply hoarded a pile of quick-frozen jiaozi and instant noodles and lived on them every day.
Figure/Pexels
Recently, the cat food at home is almost out of ammunition, and the merchant said that it would not be delivered until the tenth. Recently, our cat is always looking out of the window with a worried face, probably wondering if the shovel officer is unemployed, and there is no canned cat to eat anymore.
I feel that after working from home, the communication efficiency within the company has improved, and the boss basically has to be on call when he calls me. But it’s not necessarily when contacting customers. Yesterday, I made an appointment with a customer for a meeting at 2 pm, but I didn’t reply until 6 pm. I think DDL (deadline) is the most useful thing to improve work efficiency.
This morning, the company informed us to continue working at home, and I feel that I can make a quick-frozen dumpling evaluation soon. I really want to go to work
Please be kind to the "cooks" who cook while working.
Ma Ning, 35, vice president of investment in entertainment workshop
Our investment in this line has always required frequent cross-regional audio and video conferences, and I am also a veteran user of many online office software, so I was not caught off guard by the matter of "working from home". However, this time, the large-scale collective work at home in China has made me realize some changes.
First, everyone saves commuting time, and no one has an excuse to be late anymore. If you need to hold a meeting at any time, basically let us know 10 minutes in advance and give you time to prepare briefly, and you can immediately enter the meeting.
Second, the efficiency of the meeting has been greatly improved. Unlike in the past, when people met face to face, we first exchanged pleasantries and chatted gossip, then waited for colleagues who were not here, or ordered a cup of coffee and took a takeaway from time to time. Now, audio and video conferences are straight to the point and only talk about dry goods.
Figure/Pexels
Third, the value of collaborative office and online conference tools has been maximized. In the past, many software users only dabbled in the most basic functions, but now they are using some functions in depth when they have to work from home. I find that the synchronous editing function of document collaboration is both time-saving and clear. Many approvals are moved online, and it is clear where the process has gone, which can encourage everyone to concentrate more and improve efficiency.
But there are also several challenges. First, you need to consider three meals a day. For example, at 11: 30, the company must be in a state of concentrated work, but when working at home, it is necessary to consider preparing lunch, and it is easy to blur the line between work and cooking. Once I cooked soup, and I figured it would take three hours. When I cooked the soup, I went to a conference call. When it was on, the soup pot sounded a warning sound. Working at home, it still needs some challenges to switch the brain between the cook mode and the white-collar mode, so please be kind to the cooks who work and cook at home.
Second, there are many temptations. For example, I’ve been chasing the Taiwanese drama "I want to see you" recently, and when I’m working at home, I wonder if I should watch the two episodes updated last night. Fortunately, the workload during working at home is not very saturated, which can improve work efficiency and save yourself some time to catch up with plays, read books and have some entertainment.
The company is in a dilemma because of the danger of collective office and the trouble of telecommuting.
Feng Chen is a 27-year-old engineer in a chip research and development company.
For us programmers, it is actually very inconvenient to work from home, but in a special period, for safety reasons, the company decided to let us work from home on February 3, but neither the company nor I have ever encountered such a situation before, so I was in a hurry at first, and the efficiency was very low, which might only reach 30%-50% of the collective office.
I especially remember clearly that on the 3rd, our whole department basically didn’t do any substantive work, and the most troublesome thing was to configure the environment. Because we had to work remotely, we needed to connect to the company’s computers. We originally planned to use VPN, but later some colleagues couldn’t connect, so we needed to install a remote desktop software on their computers for operation and maintenance to remotely control the company’s computers. As a result, our company’s operation and maintenance was alone, and the configuration was very slow.
While waiting for the operation and maintenance, the leaders set up several groups to simply assign tasks. If there is any problem, they need to give feedback in the groups. Finally, I waited for the remote connection to the office computer. I copied some codes locally and configured the computer environment, and the first day ended hastily.
Figure/Pexels
Inefficiency is certain. On the one hand, programmers need strong teamwork, online communication efficiency is not as good as collective office, and large companies may be better. Our division of labor is sometimes not clear, and we need to discuss it together when we encounter problems, such as having a look at it together when we encounter bugs, and going to colleagues’ computers when we encounter data operation errors. These are not easy to do; On the other hand, I do get all kinds of interference at home. My mother always chats with me, does all kinds of chores, and is not in the mood to work.
There are two worst things. On Tuesday, I asked an intern on WeChat, which was very important. As a result, he didn’t reply to me until a day later, which was very delayed. If I worked in a group, I would go directly to his workstation to urge him. What’s worse, we are making chips, and there is a process that requires actual hardware operation, otherwise we can’t continue. This chip is in the company, and I have always been responsible for the layout of the program to the chip. In a hurry, I returned to Beijing from home early, and I was delayed on the road all day on Wednesday (February 5). I finally returned to Beijing because of traffic control, black cars and other bad worries. I went to the company on Thursday to get the chip and was advised to go home to work.
So this week is spent in a hurry, the remote environment is not good, and the jam is serious. In order to ensure work efficiency, our weekly newspaper has been changed into a daily newspaper, but the work done at home is simple and the workload is less, so the daily newspapers are written in half and compiled in half. I also happen to be in charge of the daily summary of a project, and it is necessary to integrate several people’s daily newspapers, which is simply an addition.
Fortunately, we will go to the company to work collectively this week, but we will encounter more risks and even have no place to eat. This is also very troublesome. I just hope that the epidemic will pass quickly, otherwise it will be really torture.
The workload is very heavy, and the two children can only concentrate on their work after taking a nap.
Xiaoxue is 35 years old and an employee of a company.
On February 3rd, our company announced that it would not go to the company for the whole of February, and all of them would go online, and it might also be working from home in the next few months. I’m quite comfortable, because I’ve always had the habit of working online. Working from home is actually a state, and everyone is constantly debugging.
In fact, my workload is still quite heavy. On the one hand, I have to do sales business, manage teams, recruit people, and do online activities. But I think the most important thing is time planning.
There are two boys in my family who are brought up by myself. Erbao is just over one year old. She has to nurse, put to sleep, take a bath and cook three meals a day, which consumes a lot of time.
Home office meetings have been disturbed by all kinds of noises from children, and cooking time is too late because of a long meeting. I just explained to my child that it’s working time now. We call it online office, not vacation at home. Everyone has to work, so he is very good at reading next to him now.
Every day from 3 pm to 5 pm, after the children fall asleep, it is a concentrated office time for me. Make a cup of coffee and have a conference call. At this time, our meeting is actually very efficient, and it basically ends in 20 minutes. We named the work group "overtaking in corners", and we wanted to make our team bigger and recruit excellent people quickly in this process.
Figure/Pexels
Online office is actually more efficient, but offline office is easier to go deep. For communication and collaboration, it is definitely better offline. Of course, in this process, new recruits may not be able to feel the corporate culture well. Many people choose the company for team culture and values, and working online is difficult to understand, which is one of the disadvantages.
Personally, I really want to go out, but I don’t particularly want to punch in at the company. The work is like this. If something is forced to be done and there is not so much autonomy, I will be very unhappy. But if there is no KPI, everything is what I want to do, and I can see the progress of my grades, so I will be very motivated.
Collapse with baby, and finally have to isolate themselves.
Xiaoxi 30-year-old employee of a knowledge service MCN organization.
I have been working from home for 7 days. At first, I heard that I was going to work from home. I was super excited. This is my dream way of working. I work in Wangjing but live in Tongzhou. It always takes me three or four hours to go to work every day. I have a child at home, and I want to have more time to accompany him to grow up, so I asked my boss as early as years ago whether I could cooperate in part-time after the year. But the company does not provide insurance and provident fund for part-time employees, and I am very entangled. After the epidemic came, I thought it was all right. I could work at home with peace of mind, and someone would pay the social security provident fund, without delay.
Our company belongs to the knowledge service MCN organization, and working from home hardly affects our business, but many colleagues are now trapped in their hometown. When we have a group conference call, we can always hear all kinds of strange voices inside. One morning, when we held a morning meeting, I heard a chicken crow.
The company doesn’t stipulate that we need to punch in, and the working hours are free, but the working hours have become longer, and we will be called to communicate on the rest day. At the meeting, the boss usually has something to say and will use the company’s economic crisis to stimulate everyone’s enthusiasm for work. Once the boss said in a telephone conference that the company’s cash flow can last for two months, which can ensure that everyone’s wages are paid normally, but after two months, the company’s development depends on everyone’s performance during this period.
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I have a 3-year-old baby at home who is always clamoring for my company. I have to say "Mom, you play with me" at least twenty times a day. I can only say to him, wait a minute, you play first. At first, he agreed that I would sit on the ground with him, he would play by himself, and I would use the computer to work. Later, he wouldn’t even let me touch the computer. Although my family understands my work very well and is trying to help me with my children, men have limited patience with their children, and soon they will be at odds, and I have to come out to mediate.
In the end, I can only isolate myself, divide an office boundary for myself, communicate with my family in advance what time I want to work, and don’t disturb my working hours. But when I work alone, I can’t resist the temptation of snacks, and I always want to go to bed. I think working late at night is the most efficient, so I always work at night recently, and black and white are reversed.
Now, I miss working days very much.
Dress up and work at home every day, and urge employees by video conference.
Liu Xin 32-year-old CEO of a startup company
I started working from home in the seventh grade, and I started to let all the employees of the company work from home in the tenth grade. At first, I was lazy, wearing pajamas and slippers every day. Later, I found that there was no working state, so I set aside a relatively independent office space at home as my temporary office and completely entered the working mode.
I think life needs a sense of ceremony, and work needs formality, which has nothing to do with where you work. My daily on-the-job time is from 9: 30 am to 6: 30 pm, which requires all employees of the company to punch in, and I wear formal clothes every day and make up in the morning, just like I usually go to work in the company, so that I can feel that I am really at work, not dawdling. Believe me, when you spend half an hour at home every day putting on makeup, formal clothes and high heels, you can’t even be lazy.
My family doesn’t understand why I have to wear formal clothes at home. I can feel that my mother is looking at me with different eyes every day. Moreover, she always thinks that I am going out to meet people, and she will come to "inspect" from time to time. She pricks up her ears whenever there is any movement in my room, lest I sneak out when she is not looking.
Most of my work is done on the computer, and the arrangement of work is remote command, and I seldom make phone calls. Parents don’t understand. They think you are just watching the computer. One day, my mother came to me and asked me, "You dress like a waiter and sit at home watching the computer every day. What are you doing?"
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We hold a video conference for all employees of the company at 10 o’clock every morning. I demand that it must be video, not voice, because then employees will pay attention to it. Otherwise, it’s very likely that everyone is lying in bed and having a meeting with you, so where is the working atmosphere? And only by video conference can I see everyone’s status and better grasp everyone’s work progress.
One of the biggest problems of telecommuting is that communication is difficult to convey emotions. I prefer to communicate face to face. There will be a very embarrassing scene in remote communication: my side is about to explode with anger, but the other party may not know that I am so anxious to drop my mobile phone, but I can only drop my mobile phone when I fall and fall. If it was face-to-face communication, these problems would not exist.
During this period of working at home, I feel that it is because I can work and dress formally every day that I feel that I have not become a eating machine. Otherwise, you really just eat at home every day. I think a mature working woman needs a self-disciplined professional spirit.
Collective office is a ceremony of a working day, which gives life a sense of regularity.
Liang You, 26, founder of Tiaohai Pub.
From the beginning of Chinese New Year’s Day, my girlfriend and I lived such a life: getting up at 10 or 11 in the morning, preparing to cook lunch, eating at 2 or 3 in the afternoon, playing mobile phones, chatting, preparing to cook dinner, eating dinner at 7 or 8 in the evening, watching a movie or playing games, and sleeping. The same life, we have lived to the 16th day.
I was very depressed when I first learned the news of the epidemic, because I was the owner of the main line and I was particularly depressed about not being able to run it.
For me, the biggest challenge of working from home is my state. Because everyone is forced to work at home this time, and the epidemic is so serious, it is easy to be emotionally overloaded, and it is very uncomfortable for me not to go out. The adjustment of mental health is the biggest challenge I am facing at present. Although I also have two dogs, I feel good about the interference of cats and dogs. Many companies also have cats after all.
I think the difference between collective office and home office is mainly in the sense of ceremony. The efficiency of collective office is not necessarily higher than that of home office, but collective office is a ceremony of working day. Getting up and going to the company on time will give you a sense of regularity in your life, similar to Morita therapy. Working in groups is also conducive to cultivating team feelings, and working at home has a feeling of losing contact with the team.
I think working from home is even more efficient than working in groups in specific and planned affairs, but there are some soft things you can’t see, especially working in groups can collide with many new ideas and ideas that are not planned.
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The biggest feeling now is that I feel uncomfortable and insecure. I used to feel that all kinds of accidents and disasters were particularly far away from me, but this time it seems to be around me. Besides, I am a very sociable person, and it is really hard for me to stay at home every day. Sometimes in the morning, I take the opportunity to buy food and go out for a walk in the street. There are not many people, and every breath of air makes people feel sweet.
At present, we can’t open the pub offline, so we plan to open it online. There are four shopkeepers in the pub. From the first day of junior high school, each shopkeeper broadcasts live for one hour every week, which makes me feel connected with the outside world again. I am very happy. I think Modern Sky also made a bedroom music festival. Although these can’t be realized, they are all very interesting.
But I think, don’t always think about the difference between working from home and working in groups, just focus on what you want to do, and don’t put too much emphasis on time arrangement, otherwise you will get stuck in that competition and can’t get out.
Work is also a kind of socialization, and it is difficult to find a sense of belonging in telecommuting.
Gong Siying, Chief Strategy Officer of Mor.AI
This period of time, not only work, in fact, the whole life is at home, which is a little different from the usual home office. Last week, we made a special survey of all employees and asked them about working at home. Everyone’s reply was quite interesting.
70%-80% of our company are R&D personnel. In the questionnaire, the average score of telecommuting reached 8.09 (out of a total score of 10), and 5% of employees thought that they even exceeded their goals.
For telecommuting tools, WeChat is mostly used for communication, and nails are used for meetings and punching. Tencent documents and our own internally developed wiki are used for document sharing and information.
To sum up, everyone thinks that the advantages of working from home are that the feedback from daily work meetings is timely, the tasks are clear, and the implementation level is high, which reduces the non-urgent interruption of work and maintains the continuous stability of work. There has also been more internal communication and closer contact with cooperative departments.
Of course, there are also some challenges. For example, we have to test the equipment, but the test equipment can’t be shared, so we can’t reproduce many problems. Online communication is sometimes not as good as face-to-face communication, and the efficiency is reduced, especially for three or five new employees who have just joined the company recently. It is a bit difficult to adapt, and some financial software must be operated by the company’s computer.
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There is one thing we have to admit. Few companies in China telecommute. The boss in China prefers to "supervise" what employees are doing, so he has no idea. When you start telecommuting at once, the boss will actually be more anxious than the employees. There are also some remote collaboration tools that are not ready. On the first day of construction, both nails and corporate WeChat collapsed, which is a good proof.
If the tools are not ready, the telecommuting effect will be greatly reduced. For example, nailing, everyone’s version is different, and the function will be different; For another example, offline everyone likes you to write a few strokes when talking about whiteboard, but online this kind of cloud projection and screen collaboration software is rarely used.
Recently, everyone’s life must be relatively monotonous. In fact, mentality is very important at this time. A friend of mine told me that now I feel that my job is 007 and I have to work all the time. I used to be able to do other things, but now I’m locked at home. There’s no reason to refuse the job request. But life still needs to go on. You need to turn life into more than just work, otherwise people will go crazy by the third week or even a month.
In the culture of China, work is also a social activity, and telecommuting makes it difficult for employees to feel a sense of belonging. Many people’s friends come from work partners and colleagues, and telecommuting will reduce this part of communication. So back to the essence, the biggest challenge of telecommuting is not efficiency, but culture.
After sitting at home for half a month, I can finally go to work today.
Shen Xiaoqian, 36, Shanghai Jiangsu Chamber of Commerce
We are a chamber of commerce. Recently, all enterprises are donating money and materials. Every day, information comes from all directions. I basically read mobile phone messages 24 hours a day.
Sadly, I have to finish all these intense work, and I don’t know when my little daughter will jump on my back in the next second. She had a new trick yesterday, spilling yogurt directly on my keyboard. If I usually go to work, I only show up at night and weekends a week. Now suddenly I am at home every day, and she wants to play with me every day.
I still have an eldest daughter at home, and I have to keep an eye on her. Will I go to see the iPad for a while, chat again for a while, and have to keep an eye on her to preview the courses for the second half of the semester? Doing radio exercises, skipping rope, dancing, martial arts and practicing the piano every day, each project needs to be punched online, and the time is full.
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Every time, my family calls for dinner, so I can have complete time to do my own thing by sending these two little ones down for dinner.
In addition, there are indeed too many conference calls when working from home. What was originally called face to face has to be said by phone, but it may not be clear. Some things may have just been finished with one person and have to be synchronized with another. In particular, when it comes to donations, everyone is in a hurry. Originally, everyone was resting during the New Year, and they kept calling to urge the progress. I am also a little embarrassed.
I’m going to return to work today (February 10th), and I actually support it. After sitting at home for half a month, there is no New Year’s atmosphere in shopping malls and streets. It’s really depressed. I think it’s better to go back to work. Many chains in the market are interlocking, and enterprises can’t produce until workers are on duty. You have to go out to see how the market is, and you can’t stay at home all the time.
* The title map comes from Pexels. At the request of the interviewees, Hu Qing, Tang Tang, Ke Ke, Xiao Xue, Xiao Xi and Liu Xin are pseudonyms.
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In fact, it depends on James’ attitude who will start the game in the new season.

It doesn’t depend on them who will play the first round in the new season, but on James’ attitude.

Recently, Babamura and Vanderbilt have been polishing their skills with Handy, the chief assistant coach of the Lakers. This is a smart choice. They are both competitive and need to be improved.

Some people think that the new season may replace Vanderbilt as a starter, on the grounds that the contract is bigger, and at the same time, he played better against the Nuggets in the playoffs last season, and his playing time was the main level.

Vanderbilt has many supporters, and he is still practicing 3 points and is expected to continue to start.

Of course, if Bacomura developed Vanderbilt’s defensive ability, or Vanderbilt developed Bacomura’s offensive ability, then whoever developed first would start, but it would still keep up with last season.

In fact, it doesn’t depend on them, it depends entirely on James’ attitude on the defensive end. Ham commented after the season. He understood James’ staying in the regular season and was very satisfied with James’ performance in the playoffs, but he also pointed out that he criticized James’ attitude in the middle of the season.

James didn’t defend at all for a long time in the regular season, and many games in a row were zero fouls. Now the Lakers are guarding the inside line and James doesn’t do the work of assisting in the defense sweep, so he must have teammates to help him finish the work.

So if James is willing to show the same defensive attitude in the regular season as in the playoffs, then the first one is Ba Cunjian. But if James paddles in the regular season like last season, Vanderbilt will be the only starter.