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　　[Dialogue of Guangming International Forum]

　　Original title:Where does the economic recovery and development after the epidemic come from?

　　The management of "isolated" companies divorced from industrial chain information is extremely unreliable.

　　Lu Lijian: After the outbreak of the COVID-19 epidemic, leaders and industry experts in various countries gradually realized the importance of industrial chain management and studied measures to improve the stability and competitiveness of the industrial chain. As leading scholars in the field of industrial chain management and digital economy, Professor Federgren and Professor Maglas, can you introduce the development history of industrial chain management from a professional perspective and how to see the impact of the epidemic on the world economy?

　　Lu Lijian: Professor of Business School of Hong Kong University of Science and Technology, winner of the Nicholson Award of the International Institute of Operations and Management, and former global vice president of quantitative investment of Goldman Sachs Group.

　　Federgren:Industrial chain management is very popular now, and high-quality enterprises with core competitiveness have a very professional and perfect industrial chain management system. But 20 years ago, this major was almost a niche discipline. Only the analysts and middle managers of the expert team were concerned about the difficult problems in the design and management of the high-efficiency industrial chain, and these problems rarely even appeared in the company’s board of directors or government cabinet meetings. Even similar business administration majors in business schools rarely offer related courses or only a few students are interested in such courses.

　　Awi Federgruen: Charles Professor at Columbia University Business School, head of the Department of Risk Decision-making and Operation Management, and academician of the American Academy of Engineering.

　　Nowadays, this phenomenon has changed dramatically. On the one hand, because of the crisis caused by the COVID-19 epidemic, many countries realized that the key elements of products were seriously inadequate overnight, and the news media kept reporting the serious shortage of medical materials. In addition, the grounding order and factory closures around the world have caused serious deficiencies in other key elements of the product line unrelated to the epidemic. For example, Procter & Gamble, the world’s top 500 company, is a manufacturer of household products such as laundry detergent and toilet paper. More than 9,000 kinds of raw materials needed to produce 17,600 kinds of finished products depend heavily on more than 400 different suppliers in China, and its first-line suppliers in other countries are also facing a shortage of raw materials. The serious shortage of core key production factors like this makes enterprise managers and economic policy makers realize that the traditional "isolated" corporate management mechanism that is divorced from the upstream and downstream information of the industrial chain in which the company is located is extremely unreliable. For the sustainable, healthy and stable development of the economy, we must reshape the stability and competitiveness of the industrial chain from the perspective of the industrial chain.

　　According to a survey conducted by the American Supply Chain Management Association at the end of February and the beginning of March 2020, about 75% of the companies reported that the COVID-19 epidemic caused the interruption of their industrial chains, and 44% of the companies did not have any plans to deal with such interruption risks. Among Google’s 2.5 trillion global search keywords throughout the year, the frequency of the word "supply chain" has increased fivefold from early January to mid-April 2020.

　　In fact, industrial chain management, as the core part of the company’s strategy and the core driving force of the company’s profitability, existed long before the COVID-19 outbreak, and will continue to exist in the future. Some industries have been completely changed because of the innovation of industrial chain strategy. For example, Amazon can lead and monopolize the global electronic retail industry, not because it provides better or different products, nor because its price is more competitive than its competitors. Its unprecedented success is only because of its innovation in industrial chain management strategy. For the same reason, Wal-Mart has nearly $517 billion in global revenue. Wal-Mart is by far the largest comprehensive retailer of physical stores and e-commerce in the world.

　　Maglas:The COVID-19 epidemic has brought great loss of life, economic interruption and uncertainty. The global health care system, political system, the ability of relevant institutions to respond to the crisis, and the economic relevance and dependence through the convergence of global industrial chains are facing severe challenges from the epidemic. In addition, the epidemic has aroused great concern about social injustice, especially among some people who have health and economic income crises caused by the epidemic.

　　Costis Maglaras: Dean of Business School of Columbia University and Professor of David and Lynn hilfing.

　　Many of us have been involved in a natural experiment for nearly a year. After the outbreak of the epidemic, many countries implemented the isolation policy of closing cities and homes, and some countries are still studying and working remotely. Although some industries, such as food and agriculture, have not stopped operating during this period and have returned to normal operation to a large extent, a large number of economies related to service industries will continue to work remotely. Such a situation has accelerated the trend that appeared before, and has produced a butterfly effect on urban transportation, working methods, workplace, shopping methods, service methods, reading methods and supply and demand.

　　Lu Lijian: That’s true. The China government has done an excellent job in controlling the epidemic, and the epidemic has been effectively controlled at home. I found that the word "industrial chain" or "supply chain" has a frequency of nearly 100 million in China. The impact of this epidemic on the world economy is extremely great. Taking the United States as an example, the epidemic caused a large number of enterprises to go bankrupt, involving a wide range. The traditional service industries such as transportation, catering, hotels and tourism were the most affected, followed by industrial enterprises, especially manufacturing.

　　The globalization of industrial chain is related to the safe production capacity.

　　Lu Lijian: The industrial chain in the 21st century is closely related to economic globalization. After the outbreak of the epidemic, the media in individual countries hyped the topic of "anti-globalization" and proposed to stop globalization and let manufacturing return to their own countries. Even some politicians in individual countries regarded globalization as a political game and chip. What does Professor Federgren think of the phenomenon of "anti-globalization"?

　　Federgren:A key strategic question is, from the perspective of efficiency and flexibility of industrial chain, does a company need to localize suppliers, or outsource to other countries or regions, or use both internationally? In the past few decades, an obvious practice in the United States or most European countries is to gradually outsource manufacturing to countries and regions where labor and raw materials are cheaper. Recently, we have also seen the momentum contrary to this. For example, between 2000 and 2003, 240,000 manufacturing activities were outsourced to areas outside the United States every year. However, this figure was reduced to 50,000 in 2016. In the same year, 70,000 similar manufacturing activities were brought back to the United States, and the direct impact was to increase and promote job opportunities in the manufacturing industry in the United States. Before the COVID-19 epidemic spread, the new information provided by Bank of America confirmed this phenomenon. In a survey involving 3,000 companies, the researchers found that in 12 global industries with a total market value of more than 22 trillion US dollars, more than 80% companies located in North America, Europe and Asia except China are implementing or announcing plans to move back to the United States from their current regions, which shows that the localization trend does exist.

　　This is a container photographed in Banrang Port Area, Brazil, Singapore on August 17th, 2020. Xinhua news agency

　　So how to explain this trend against globalization? First of all, the company realizes that the selection of suppliers should not only depend on the direct production costs of purchasers, but also take into account the total landing costs of all costs associated with suppliers, including transportation, warehousing and customs costs, as well as the costs needed for safe inventory to meet local needs. The costs associated with these inventories can be enormous, especially when the distance from suppliers to the local area is very long, full of uncertainty and the need to maintain high quality of service. In addition, suppliers usually have capacity constraints, and their capacity varies greatly. Secondly, the increasing risks of the global economy have prompted companies to constantly change their supplier selection decisions and corresponding procurement strategies. In the past 40 years, the cost of production labor in some countries has also been increasing. In the current trade friction, the United States, China and Europe are rapidly changing their trade tariffs, which makes the fluctuation of logistics costs and commodity prices constantly increase. In addition, foreign exchange and interest rates are constantly changing rapidly. All these fluctuations have an important impact on demand, cost and production capacity. Generally speaking, due to sudden supplier closure, quality problems, rational distribution plan and other factors, the theoretical capacity level is very different from the actual production process. Thirdly, due to the limitation of suppliers’ production capacity, it is necessary to purchase from two or more suppliers in a volatile environment.Even what companies are eager for. Of course, the difficulty of the global purchasing strategy of multiple suppliers is how to decide the allocation problem of each supplier and how to dynamically adjust the allocation decision between suppliers by using inventory information. In most cases, enterprises can use contracts similar to the concept of financial options to solve the problem of supplier allocation, that is, enterprises can book or invest in the capacity of suppliers in advance to ensure that they have the corresponding capacity when needed in the future. Similarly, for a multinational company with two or more assembly plants distributed in different regions of the world, and the cost and delivery cycle of these factories to serve customers are different, it faces the same dilemma.

　　This is a 2×660 MW ultra-supercritical coal-fired power station in Paajala, which was filmed in Bodu Acali County, southern Bangladesh on November 11th, 2020. China Machinery Import and Export (Group) Co., Ltd. participated in the investment and construction. Xinhua news agency

　　Lu Lijian: You returned to the objective law of economic development from the dimensions of total economic landing cost, economic risk and production capacity, and expounded the "anti-globalization" that appeared in recent years. Your analysis makes people understand the truth that whether an enterprise implements globalization strategy is determined by the efficiency and flexibility of the industrial chain of its product production. Indeed, the globalization of industrial chain is the objective requirement of the development of social productive forces and the inevitable result of scientific and technological progress. It does not plague economic development as some politicians and media say. Their purpose is to "politicize" the issue of globalization. In your opinion, how to improve the flexibility and competitiveness of the industrial chain in the post-epidemic era?

　　Federgren:In most industrial chain configurations, the volatility level or risk level is the primary driving force for high operating costs. Under the global production and procurement system with multiple suppliers, due to the full and effective sharing of orders and capacity resources among suppliers, the industrial chain system has enhanced its ability to resist risks, thus having higher flexibility and operational efficiency. Therefore, the globalization of industrial chain is an important measure to improve the production capacity with safety guarantee.

　　In addition, we should also consider that the supplier’s channel is in a state of partial or complete interruption during the epidemic. The COVID-19 epidemic has produced a large number of actual cases as described above. However, the problem is not limited to the once-in-a-century COVID-19 epidemic. Other factors, such as the flood disaster in Thailand, the earthquake in Japan, the hurricane similar to Katrina in the United States, local fires and factory pollution, will also cause worldwide production and supply disruptions. In the vaccine manufacturing industry, due to the small number of international suppliers and the frequent long-term closure of production equipment, the problem of insufficient production capacity has always existed. Therefore, the consideration of industrial chain flexibility also provides additional incentives for multi-supplier global supply strategy.

　　In fact, my team’s latest research shows that compared with the procurement strategy of a single supplier, the benefits brought by the procurement strategy of multiple suppliers, even if only two suppliers, are very obvious. Even in an environment with stable cost, stable demand and risk-free production capacity, the benefits of global decentralized procurement are also very significant. Of course, in a volatile market environment, the effect of decentralized global multi-supplier configuration will be more obvious. However, to realize and realize the benefits brought by globalization requires the most advanced industrial chain configuration models and algorithms, and these studies are also the focus of my research team at Columbia University Business School.

　　Lu Lijian: From the perspective of reducing the fluctuation level of the industrial chain, you discussed how to rationally use the procurement decentralization and incentive mechanism in the process of globalization to effectively improve the efficiency of the industrial chain and reduce the fluctuation. From the perspective of historical development, economic globalization has promoted the flow of goods and capital, the progress of science and technology and civilization, and the exchanges between people of various countries, providing a strong impetus for world economic growth. Of course, economic globalization will not be smooth sailing, it is a double-edged sword, and there will be various problems, such as geopolitical risks, high dependence on production links in a certain region caused by high concentration of suppliers, and insufficient response ability to abnormal demand. However, simply blaming the problems that plague the world on economic globalization is neither in line with the facts nor helpful to solve the problems. In the face of opportunities and challenges, it is more important to ease trade frictions, remove barriers to enterprise development, work closely together to cope with all difficulties and challenges, work together to achieve comprehensive economic recovery and healthy development, and advocate formulating strategies according to local conditions to enhance the flexibility and core competitiveness of the industrial chain.

　　Technological innovation is an important driving force for economic recovery and development.

　　Lu Lijian: In recent years, technological innovation including big data technology has developed rapidly and been widely used, playing an increasingly important role. Professor Maglas, please talk about the application of this technology in service and digital economy and its significance to economic development in the post-epidemic era.

　　On October 28, 2020, in Sejong City, South Korea, the staff showed an auxiliary distribution robot that could follow the courier’s movement. Xinhua news agency

　　Maglas:Although the COVID-19 epidemic has caused great losses to the world economy, it has also accelerated technological innovation in many fields, which is an important driving force for economic recovery and development.

　　First of all, in the field of transportation, all kinds of enterprises are trying to overcome the problems encountered in the resumption of production and work caused by the COVID-19 epidemic, set a safe social distance, and formulate detailed rules that people should abide by in the halls, elevators and open office environments of commercial buildings. In the city business center, the problem of employees commuting safely is particularly worrying, because it is a process that relies heavily on the public transportation system. At present, the public health policy requires to reduce the congestion of the transportation system and increase the utilization rate of bicycles. However, this model is not enough to meet the transportation needs of millions of commuters on a large scale, especially for long-distance commuting. For example, in the urban subway transportation system, assuming that the safe distance between people is doubled, for example, from 2 feet to 4 feet, the traffic capacity will be reduced to 75%. This requirement has a particularly serious impact on peak hours. The safe social distance during peak hours is usually close to 1 foot, and the requirement of increasing the social distance to 4 feet will reduce the transportation capacity to only 5%.

　　So how to deal with the extremely shrinking traffic capacity caused by the epidemic? Here, I will focus on analyzing and expounding the principle of demand smoothing in management, that is, the idea of reasonably dispersing demand throughout the time interval. Managing an economic society in a special period of gradual resumption of work and production forces us to rethink the most basic assumption in daily life, that is, most people have the same working hours and need to take the public transport system at the same time every day. This basic assumption can and should be removed, for example, by staggering the working hours in some way. This process of smoothing demand and reducing the load utilization rate during peak hours will greatly reduce the congestion of public transportation systems, road networks and office buildings. For example, assuming that the current system has a 60-minute peak period and a 90-minute busy period every four hours, a simple calculation shows that a subway will improve its transportation capacity by more than 30% and maintain its operation at a utilization rate below 85%. Considering different traffic networks, only the way of smoothing demand will make up for 50% of the loss of traffic capacity caused by the increase of social distance during the epidemic, and increase the traffic capacity in the post-epidemic era by 30%. In addition, it will reduce the congestion delay and total traffic time caused by full subway cars and crowded platforms.

　　The method of demand smoothing is also being applied in the road system, aviation and power network system in the United States. Generally speaking, such smoothing can be achieved through price incentives, such as giving a certain discount on electricity consumption at night, and charging higher fees for driving in special areas during peak hours. However, before shifting to price incentives, we should try to reduce the structural impact of the convergence of daytime working hours on the peak infrastructure load. Car sharing is another feasible solution to traffic congestion. In order to promote the use of shared cars, we need to invest in the optimization of technical schemes such as scheduling and pricing mechanism. At present, many difficult problems in the field of shared cars will lead to more in-depth thinking and guide a large number of sustainable technological innovations.

　　The second area is telecommuting. After the outbreak, almost all employees switched to telecommuting overnight, which greatly affected the service industry and my higher education. Many people are studying such a topic: to what extent the emergence of telecommuting will be a long-term trend, and what kind of science and technology and management tools can be used to create an inclusive, innovative and dynamic organic culture. Although telecommuting has achieved great success during the epidemic, it is still uncertain whether this method can be successful for a long time. In the current environment, telecommuting is facing great difficulties and challenges. For example, it is very complicated to hire and train new employees, and the process of innovation requires intense and purposeful joint research and development, which are difficult to achieve by telecommuting; Corporate culture is also difficult to maintain and evolve through telecommuting, and personal relationship networks usually rely on spontaneous and informal communication — — It is almost impossible for "cold water communication" in remote mode to replace it. Most people may rely on scientific and technological tools for projects, documents and other work, or work together through online meetings, but these tools can’t solve the problems and challenges in interpersonal communication mentioned above.

　　In order to fill this defect of telecommuting and cope with the current epidemic crisis, many very meaningful innovations are currently under way. For example, some innovative works combine the virtual network and virtual reality technology that are currently being created. A large part of this work draws on the knowledge and technology of online game industry. It is a very necessary measure to improve our ability to maintain close relationship and virtual communication. In addition, how to fully combine offline communication to achieve the best results also requires in-depth thinking and guidance from team and project management.

　　Finally, innovation also plays an important role in the recovery of other service industries. Education has been transformed during the epidemic, and the experience we have quickly explored and learned will continue to play a role. The scientific and technological tools of distance learning will allow scientific research institutions to provide online and offline hybrid teaching methods, focusing on interpersonal interaction activities that can be most beneficial to students’ learning, and enhancing the value of the educational projects we provide. In addition, we can quickly get familiar with and use distance education tools, and then improve the education level in remote and poor areas lacking teachers or professional educators.

　　In a word, the epidemic has brought about great changes in many aspects of our economy, forcing us to rethink and rethink many aspects and habits of life. This process is subversive, but it will continue to lead long-term innovation and changes to our global economy.

　　Lu Lijian: You discussed the important role of technological innovation in economy. Search, socialization, payment and entertainment constitute the infrastructure of the online world, and the digital and intelligent upgrading of the industrial chain is also the infrastructure for building the future data productivity era. After adopting digital technology, industrial chain enterprises are not only an individual in the economic sense, but also a source of data production, and these industrial chain data are of extraordinary significance for Industry 4.0, intelligent manufacturing and the possible AI+ manufacturing revolution in the future. In the post-epidemic era, technologies such as big data, artificial intelligence and blockchain will play a more important role in the industrial chain. First of all, through the decentralized, open, autonomous, anonymous and tamper-proof characteristics of blockchain, problems such as data leakage, theft of sensitive information and geopolitical interference have been effectively solved. Secondly, because data can objectively reflect the truth and development law, rich and comprehensive data greatly improve the geographical limitations in the process of traditional globalization, increase the efficiency of information communication and accurately trace the source of problems. This kind of big data technology helps to reduce the cost and obstacles of information communication in the industrial chain and greatly improve the efficiency and competitiveness of the industrial chain. In the future digital era, whoever has the most comprehensive data volume and has mastered intelligent technologies related to big data processing and business analysis will have the core competitiveness of this market.

　　Guangming Daily (January 23, 2021, 08 edition)

[Compile/Observer Network Guo Han]

An independent organization in the United States that monitors media news reports found that although street demonstrations occurred frequently around the world this year, the mainstream media in the United States "took extra care" of Hong Kong and spared no effort to favor the demonstrators and ignore the violence they created.

On December 6th, an American non-profit organization named FAIR revealed that compared with other countries and regions, the mainstream media in the United States used a disproportionate amount of space to report the demonstrations in Hong Kong.

Screenshot of FAIR website "When people all over the world take to the streets, the (American) media only pay attention to Hong Kong"

The organization was founded in 1986, headquartered in new york, with a left-wing position. Its goal is to supervise the accuracy, bias and audit of American media reports, and call for the split of large media companies.

The article believes that these media companies build a stereotype by reporting a lot and covering up the shady details of the demonstrators, that is, "a group of Hong Kong people who are democratic are fighting Beijing for freedom."

Therefore, this paper counts the number of times that The New York Times and CNN reported street demonstrations in Hong Kong, China, Ecuador, Haiti and Chile. These two media are chosen because they are the most representative and good at setting the agenda in print and TV media.

Since the start time of protests in different countries and regions is different, it ends on November 22, 2019 statistically. The reporting time on Hong Kong lasted for eight months, from October when protests broke out in Ecuador and Chile to July last year in Haiti.

As far as the total number is concerned, the two media reported 737 articles on Hong Kong (325 in New Times and 412 in CNN), 12 in Ecuador, 28 in Haiti and 36 in Chile. The number of reports on Hong Kong is nearly 10 times that of other topics.

The New York Times and CNN reported on the demonstrations in the Hong Kong Special Administrative Region far more than the screenshots of other countries and regions:FAIR

Although the duration of demonstrations in different regions is different, it is impossible to generalize, but comparing the reports in the same period can still support this conclusion.

For example, October 3-14 is the most intense period of street protests in Ecuador. During the period,"New Time" only published 6 related reports, and CNN3 articles; However, the two media reported 33 and 38 articles on Hong Kong respectively in the same period.

Since the demonstration broke out in Chile on October 4,New Time and CNN reported 14 times and 22 times respectively; In the same period, there were 59 and 92 reports on Hong Kong respectively.

It must be pointed out that many reports on the demonstrations in the above three countries are classified as "protests around the world", and sometimes only one or two sentences are mentioned in each article. CNN has only two special reports on Ecuador, and half of its reports on Haiti are concerned about the impact of demonstrations on American citizens.

But when it comes to Hong Kong, most of them are long exclusive reports. This has not included articles such as demonstrations affecting Asian stock markets.

New york’s report on street demonstrations in Chile with photo: Reuters

On the other hand, the difference in the number of reports between Hong Kong and the other three countries is so obvious that it cannot be understood according to the scale of the protests or the degree of the means of maintaining stability by powerful departments.

For example, a week after the demonstration, eight people have died in Ecuador. The United Nations has confirmed that 42 people have been killed in protests in Haiti in the past two months. Chilean right-wing President Piniella simply sent tanks to the streets, and the military arrested more than 26,000 people, during which 26 people died.

In contrast, no one died because of the law enforcement of the Hong Kong police. Over the past six months, a student accidentally fell off the building, and another 70-year-old cleaner, Rob, was hit by a stone from a demonstrator and died unfortunately.

When reporting on Hong Kong, the language of the two media is also very "Be particularThe negative words used to describe demonstrators in Ecuador, Haiti and Chile are rarely used in Hong Kong. And we should highlight the so-called "democratic" characteristics of the latter and ignore its violent behavior.

For example, CNN reported on August 30 and October 15, and New Times reported on October 15 and November 21, all of them described the thugs who created violence and destruction on the streets of Hong Kong as "pro-democracy demonstrators".

However, street demonstrators in Chile who have similar behaviors have become "robbery and arson" and "riots" in the mouth of the two media. "Violent demonstrations swept through Quito (the capital of Ecuador) … The demonstrators took military members hostage."

Screenshot The New York Times

The article points out that even if it is actually very appropriate, such words are rarely used in Hong Kong’s demonstrators. Apart from causing damage, they even lit gasoline on a dissident citizen in broad daylight, leaving him in a coma for 10 days.

In a report on November 17th, The New York Times used a passive tone to lightly describe that a police officer was shot in the leg by a mob bow and arrow, and did not forget to emphasize that "the demonstrators were’ resisting’ the police attack’".

Even after reporting that mobs made and intended to use "hundreds of incendiary bombs", the newspaper still called them "pro-democracy activists" in the article.

On October 17, CNN also announced a gas tank-sized mob homemade bomb, and got news that they planned to attack the police with it. The shape of this bomb is very similar to the bomb used in the Boston Marathon bombing in 2013.

The article questioned whether CNN and New Times would continue to call them "pro-democracy activists" if members of organizations such as "Black Life Expensive" and "Antifa" used such bombs to attack the police.

This article is an exclusive manuscript of Observer. It cannot be reproduced without authorization.

　　Recently, the news that the first China Mahjong Open will be held in Hangzhou, Zhejiang Province triggered a heated discussion among netizens. The Beijing Youth Daily reporter noted that the Hangzhou Branch of the Chinese Chess Institute recently announced that it planned to hold the "First Chinese Mahjong Open" in Hangzhou from March 24 to March 26.

　　According to reports, there are two official competitions of Sichuan Mahjong, National Mahjong and a promotion project of Hangzhou Mahjong 2V2. The total prize money of the competition reached 1 million yuan, of which the prize money of Sichuan Mahjong Champion was as high as 200,000 yuan. As long as you are a contestant, there is a minimum bonus of 2000 yuan.

　　game

　　Adopt multi-round integration system

　　The reporter of Beijing Youth Daily contacted Lu Xing, director of the Mahjong Competition Training Center of Hangzhou Branch of China Chess Institute. He introduced that Sichuan Mahjong and National Mahjong are official mahjong competitions recognized by the International Mahjong Union, with very mature competition rules and a large number of penalty cases, which are the best choices for holding competitions at this stage. The national standard mahjong has many types, many changes and great difficulties, while Sichuan mahjong has a good mass base and is the mahjong project with the most fans in the world.

　　Lu Xing said that the first China Mahjong Open will be conducted by multiple rounds of points system. In this way, the factor of luck can be minimized as much as possible.

　　According to the regulations of the competition, if a player participates in this competition, he/she must first register as a mahjong player in the relevant WeChat applet, and obtain 6 amateur segments online according to the guidance before he/she is eligible to sign up for the "Professional Segment Finalization Competition" held in Beijing, Chengdu and Hangzhou in March. Only after promotion can you qualify for the "China Mahjong Open". Lu Xing said that the stage system of mahjong basically refers to the stage system of Go, and players can achieve promotion by competing with other players in the same stage.

　　Lu Xing said that after the Open, the game will be broadcast to the public through live broadcast, and the public can learn more about it by paying attention to the related WeChat WeChat official account of Hangzhou Branch of China Chess Institute.

　　A netizen who participated in the online examination of the segment mentioned by Hangzhou Branch of Chinese Chess Institute told Beiqing Daily that it was less difficult to become an amateur segment at first. "When you answer some questions online for a while, you can become an amateur segment by reaching the standard. From the second stage, it will be carried out by means of mahjong competition. Generally, it will be played for more than ten rounds first, and then the points will be calculated to decide whether to upgrade. It is not easy to upgrade. "

　　Champion experience

　　The most important thing is psychological quality.

　　Xie Jin, from Zhenjiang, Jiangsu Province, has participated in the national mahjong competition many times before. He said that he is planning to participate in the China Mahjong Open to be held in Hangzhou. Xie Qin introduced that compared with other types of mahjong, the national standard mahjong pays great attention to the card type. "For example, there is a fixed score for all colors, and there is another score for Menqing. In the end, you will calculate how many points your card type is worth, similar to the scoring competition."

　　Wang Xiangnong, who won the national mahjong championship at the World Mahjong Games, also told the reporter of Beiqing Daily that he was still a little nervous when he first participated in the mahjong competition. "Sometimes I have to improvise, but it has been 17 years since I played in 2005. I am used to it. I think the most important thing in the competition is psychological quality, which is the same for both mahjong players and athletes in other sports. "

　　"China is the birthplace of mahjong, but in contrast, Chinese mahjong is a bit green and yellow." Wang Xiangnong said that the participants of some mahjong sports associations are basically old people in their sixties and seventies, and their relatively young strength is limited. Xie Qin also admitted that although China began to promote mahjong very early, many young people were not used to it because of the points rules of national mahjong. "This promotion of mahjong competition through the Internet may attract more young people."

　　Respond to questions

　　The first premise of mahjong is not gambling.

　　In response to the concern of some netizens about whether the spread of mahjong will lead to gambling, Wang Xiangnong said that the first premise of mahjong is not to gamble, not to stay up late, and to be healthy. "The competition uses a score table to calculate who wins and who loses. We promote Chinese mahjong and remind everyone to resist gambling."

　　Wang Xiangnong said that many people will link mahjong with gambling. "But in fact, it is not mahjong but people who gamble. If you want to gamble, you can gamble with playing cards or anything. The key to gambling is people’s moral character, and you should not blame mahjong. "

　　For example, Wang Xiangnong said that for gamblers, mahjong is a must to "draw cards" and win money, but for mahjong players, it is necessary to calculate how actions are more beneficial to them, and sometimes even deliberately put others "draw cards", which can guarantee their scores. "This is the difference between sports and gambling. Whether mahjong or any other sport, excluding the interests of money is a healthy sport." Text/reporter Qu Chang Intern Yang Tongyu

Perspective on the change of future war development

■ Li Yuxi Liu Heshan

You can’t understand war without understanding the times. As the society enters the era of intelligence, the form of war has also undergone profound evolution. In what way human beings produce, they fight in what way. There is an intelligent mode of production in the intelligent era, which will inevitably shape an intelligent form of war. With the development of science and technology, the presentation form, decision-making mode, organizational style and security mode of war will undergo subversive changes.

The change in the form of war. The form of war is the historical coordinate of the development process of war, which determines the orientation of the times in which human war activities are located in each period. Since the 1960s and 1970s, with the grand development of new military revolution on a global scale, the form of war has also started the continuous acceleration process of the transformation from mechanized war to information war, and finally to the advanced stage of information war-intelligent war. The future war will enter the era supported by intelligent technology, and the field of confrontation will involve politics, economy, diplomacy, society and many other fields. The combat space will be extended from the traditional physical space to the virtual cognitive space, the grouping of combat forces will be transformed from man-machine mixed grouping to unmanned combat cluster, and the combat action will be developed from man-machine cooperation and people-oriented action to unmanned autonomous combat. On the surface, it seems calm, but the confrontation in intangible space is surging. The strategic game of mixed war is becoming increasingly clear, and the war will fully enter ".

The change of war decision-making mode. All along, the way of war decision-making has been comprehensively restricted by various factors such as battlefield reconnaissance, command, communication and support. With the development of intelligent unmanned, network information and other technologies, the way of war decision-making will change intelligently, showing the characteristics of data support, algorithm dominance, man-machine collusion and distribution autonomy. Before launching actions in the tangible battlefield space, all sides of the war confrontation calculate first and then fight. The massive intelligence data obtained from multiple sources are processed through cloud brain fusion. With the help of digital twinning, virtual reality and holographic projection imaging technology, the intelligent confrontation deduction is carried out in the network virtual space first, and the comprehensive strength of the enemy and ourselves is compared and analyzed, so that the deduction results can serve the war decision. When making decisions in the war, we adopt the "man in the loop" brain-computer coordination decision-making mode, and with the perceptual divergent thinking of the human brain and the powerful calculation and statistics ability of the computer, we can quickly judge the situation, plan the task, give instructions and adjust independently, so as to realize the perfect combination of decision-making art and decision-making science.

The change of war organization style. In recent years, no matter the concepts such as "autonomous war", "shadow war" and "the sixth generation war", or the "Joint Concept" of the US military or the "Armed Forces Construction Plan" of the Russian military, they are all based on the development trend of science and technology. Mechanized warfare is a platform-centered physical destruction attack, information warfare is a network-centered system confrontation battle, and intelligent warfare is a comprehensive strength contest centered on cognitive decision-making. The supporting combat system is mainly subversive technologies such as unmanned control, artificial intelligence, big data, cloud computing, quantum communication, blockchain, etc., emphasizing distributed real-time killing centered on cognitive decision-making. In the near future, the continuous development of intelligent technologies such as deep neural network, brain-computer interaction, automatic processing, 3D printing and Internet of Things will inevitably improve the scientific and technological content in the military field, making the war organization style show the characteristics of "some people are not combined, no one is independent in front, and some people are regulating in the rear".

The change of war support mode. At all times and in all countries, outstanding military strategists all attach importance to the security work in the war, as the saying goes, "the military and horses have not moved, and the food and grass come first." For example, in the battle of Guandu in ancient times, Cao Jun attacked Wu Chao at night, which destroyed the grain and grass of Yuan Shao’s army and defeated the whole army. In modern warfare, due to the lack of logistics supply, the troops with fierce offensive on the battlefield have to stop and wait for the supply of military supplies, thus missing the fighters, and so on. Therefore, war support determines the outcome of the war in a certain sense, and its position and role have always been very important. It is not only an important content of military management, but also a key support to win the war. In the past, there were too many war support activities, a single source of support resources and simple and extensive implementation of support. However, with the change of intelligent war form, the war support model will also undergo subversive changes. The future war support will rely on the Internet of Things technology and intelligent information system, with physical distributed storage, virtual centralized management and military-civilian cooperative supply of support resources, global real-time monitoring, intelligent prediction matching and advanced planning for support organization implementation, so as to realize joint logistics supply, global configuration, intelligent deployment and accurate forward delivery of war support resources, ensure accurate, efficient, stable and reliable implementation of war support, and continuously extend the battlefield support capability to the end.

A change in the line of checks and balances in war. War is a kingdom of uncertainty. For a long time, people have known that it is difficult to achieve victory only by "straight thinking" and "open array". Liddell hart, a British strategic theorist, analyzed the successful strategic cases in the world and found a rule: 90% of them used the "indirect route". However, the "indirect route" has long appeared as a supplementary role of the direct route. However, compared with the past, the modern warfare system is huge, there are many nodes, and there are many vulnerable "life gates", which provides a broader opportunity for choosing "indirect route" and implementing "asymmetric" checks and balances. Judging from several local wars in the world in recent years, even the powerful American army attaches great importance to the "devious plan" in the face of weak opponents. "Those who are good and amazing are infinite as heaven and earth, and inexhaustible as rivers." No matter now or in the future, the strategic game of war between countries, especially among the world’s military powers with strong strategic damage capabilities, can neither achieve their own operational goals according to conventional thinking, nor simply have the idea of fighting an "open array." In order to win the future war, we must follow and develop the winning mechanism of the future war, adhere to the "indirect route" and do a good job of asymmetric checks and balances, so as to always grasp the initiative of the war.

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　　[Global Times reporter Pan Xiaotong] According to Agence France-Presse reported on the 12th, Brazilian President Lula said that anti-government mobs who stormed the presidential palace and other government agencies may have received help from the inside. The British "Guardian" said on the 12th that Lula suspected that the staff who supported former President Bossonaro helped mobs enter the presidential palace, and said that the presidential palace was "full of Bossonaro supporters".

　　According to Brazilian media reports on the 12th, Lula said on the same day that many people in the armed forces were accomplices, and some people in the military and police colluded with the rebels. "I’m sure someone opened the door of the presidential palace for the rebels because the door was not destroyed.". Lula said that the incident would be thoroughly investigated, and that anyone suspected to be a core supporter of Bolsonaro could not stay in the presidential palace. "How can I let a person who might shoot me stand at the door of my office?" Agence France-Presse reported on the 12th that Lula once again criticized the army for not taking any measures to stop the sabotage by Bolsonaro supporters and not playing its due role in "easing the situation" in this riot.

　　On the 8th of this month, more than 100 buses carrying demonstrators arrived in the capital Brasilia. Thousands of supporters of Bossonaro forcibly broke into the Capitol, the Federal Supreme Court and the Presidential Palace, and clashed with the military and police. Lula accused Bolsonaro of using social media to incite supporters, which denied this.

　　According to a report by Brazil’s Global Television and Sao Paulo newspaper on the 12th, the law enforcement department found a memorandum in the home of andersson Torres, the dismissed head of public security in Brasilia, which suggested that Bolsonaro should defend around the High Electoral Court to overturn the election results. Torres responded on social media later that day that the memorandum was one of the many proposals received by the Ministry of Justice and should have been "smashed in due course" with other documents. According to him, this memo exposed by the media "contributed to the false description of him" and he "has a clear conscience". On Tuesday, Brazil’s Supreme Court issued an arrest warrant against Torres, accusing him of being behind the attack on Brazil’s state power.

Special feature of 1905 film network In the spring festival movies, the box office has exceeded 800 million yuan, breaking the cumulative box office record of family films in China film history during the spring festival. As the first film on the theme of the rule of law focusing on "justifiable defense" in China, the popularity of the film Article 20 has also aroused public concern and heated discussion.

"Today’s Film Review" invited Sun Peng, director of the Second Inspection Department of Haidian District People’s Procuratorate and a first-class prosecutor, as a guest program to interpret the meaning behind Article 20 for the audience from a professional perspective.

Vivid image of prosecutor

The film "Article 20" restores the real prosecutors, who are serious and responsible about their work, but also have daily trivialities in their lives. Prosecutors also have ordinary people’s joys and sorrows, which are truly presented in the movies in a slightly humorous way.

Han Ming, the prosecutor, is sometimes overwhelmed with work, sometimes slack, and passive to his wife, Nuo Nuo. Such a prosecutor doesn’t seem to be in line with the image of a prosecutor in everyone’s mind, but this is actually the work and life of a real prosecutor. In many previous political and legal dramas, the image-building of prosecutors was a little too "Gao Daquan", and it was always a feeling of putting on airs. But in fact, prosecutors are ordinary people and have their own lives, and they will make jokes with colleagues after work and leisure, which does not affect the bottom line of objectivity and justice.

As the prosecutor Lu Lingling, the portrayal of the role in the film is more reflected in the work. In the film, Lu Lingling’s "stubborn" investigation of the case impressed many viewers deeply, not only because of the straightforward personality of the characters, but also because of Lu Lingling’s respect for her career.

The case was hosted by Lu Lingling, who was responsible for her own case for life. Therefore, Lu Lingling has been struggling with whether Liu Wenjing had this knife in her car. This knife is the key evidence to finally determine whether Wang Yongqiang is self-defense or revenge. In the case of unclear facts and evidence, how to make a correct judgment is to constantly pursue the integrity of the evidence and the authenticity of the facts.

However, whether Lei Jiayin plays Han Ming or Gao Ye plays Lu Lingling, there is no difference between them in their pursuit of legal profession, and their insistence on fairness and justice has never wavered. Sun Peng, the prosecutor, highly recognized the prosecutor’s image in Article 20, saying, "It is often said on the Internet that people of any profession can’t watch dramas of any profession, such as doctors can’t watch medical dramas and white-collar workers can’t watch workplace dramas. As a judicial officer, there are many times. When I go to see these political and legal dramas, I actually choose to watch them, but this movie has a strong sense of substitution, the case itself is very real, and there are enough drama conflicts. I am willing to regard it as it.

Popularization of Law in "Self-defense"

"Self-defense" is the key word that runs through the narrative of the film Article 20. Han Yuchen stopped bullying on campus, but was framed for deliberately hitting people; Zhang Guisheng, the bus driver, saw that the female passenger was harassed by a strange man and helped him. In anger, he injured the man, but in the end he was sentenced to intentional injury. Wang Yongqiang’s family was deeply bullied by the bully in Kangcun, and Liu Yongjing was stabbed in grief and indignation … … These three cases all have one thing in common, that is, they will all bring about discussions on self-defense, excessive defense and intentional injury. The film takes the realistic theme and the perspective of the little people as the incision and tells the justice and human feelings behind the law.

The contents of Article 20 of the Criminal Law of People’s Republic of China (PRC) are as follows:

Article 20 In order to protect the state, public interests, the person, property and other rights of oneself or others from ongoing unlawful infringement, the act of stopping unlawful infringement, which causes damage to the unlawful infringer, belongs to self-defense and does not bear criminal responsibility.

If justifiable defense obviously exceeds the necessary limit and causes great damage, criminal responsibility shall be borne, but the punishment shall be mitigated or exempted.

Taking defensive actions against crimes of assault, murder, robbery, rape, kidnapping and other violent crimes that seriously endanger personal safety, resulting in unlawful infringement of human casualties, is not excessive defense and does not bear criminal responsibility.

In fact, Article 20: Self-defense has existed since the beginning, but before, due to the inability and awareness of obtaining evidence, many cases of self-defense have not been applied accordingly.

Therefore, this film uses a number of cases to show and vivid stories to guide, which makes the most meaningful legal education work on the legal content of Article 20, and also makes more people understand self-defense.

The Supreme People’s Procuratorate also issued a document saying, "The reason why Article 20 is concerned is because it really happens to our people. It seems far away, but it may happen to us from time to time, so it is easy to resonate." Therefore, it is very valuable to let everyone know how the law stipulates and then prevent other illegal violations, which is worthy of publicity and promotion.

At the end of the film, Han Ming made the clearest analysis and explanation of the incident in front of all legal professionals, made clear the legal and moral standards that should be met, and made a profound statement, and also told all human laws not to give in to lawlessness. When we face illegal infringement in the future, we should also bravely take up legal weapons and defend our legitimate rights!

recent days

"Chengdu housing provident fund monthly withdrawal.

Housing provident fund repays the principal and interest of individual housing loans.

Management related regulations "

(hereinafter referred to as the "Regulations")

Revision and issuance

Revised "Regulations"

Implemented on October 8, 2023.

Valid for 1 year

Relevant provisions on the management of monthly withdrawal of housing provident fund from Chengdu housing provident fund to repay the principal and interest of individual housing loans

First, the applicable object

Workers who have paid the housing provident fund in Chengdu Housing Provident Fund Management Center (hereinafter referred to as Chengdu Provident Fund Center) have applied for housing provident fund personal housing loans (hereinafter referred to as provident fund loans) and commercial personal housing loans (hereinafter referred to as commercial loans) and repaid the loan principal and interest on a monthly basis, and can apply to Chengdu Provident Fund Center for monthly withdrawal of housing provident fund to repay the personal housing loan principal and interest (hereinafter referred to as monthly repayment).

Second, the way to achieve

Eligible paid employees can sign the Service Agreement on Monthly Withdrawal of Housing Provident Fund to Repay the Principal and Interest of Individual Housing Loans (hereinafter referred to as monthly withdrawal agreement or agreement) with Chengdu Provident Fund Center, and realize monthly withdrawal and repayment of loans through direct withdrawal of principal and interest or quota withdrawal.

(1) Direct payment of principal and interest

Direct principal and interest is applicable to the provident fund loan of Chengdu Provident Fund Center (excluding Ziyang Minsheng Village Bank).

Direct payment of principal and interest means that the Chengdu Provident Fund Center deducts the principal and interest of the provident fund loan that should be repaid in the current period from the available amount of the housing provident fund deposit account opened by the deposit workers in Chengdu Provident Fund Center in the current month, and the difference that the available amount is insufficient to be deducted is deducted from the entrusted deduction account (hereinafter referred to as the personal loan repayment account) agreed by the borrower when handling the loan.

(2) Quota extraction method

Quota withdrawal is applicable to other personal housing loans, including provident fund loans from Chengdu Provident Fund Center (limited to Ziyang Minsheng Village Bank), provident fund loans from other provident fund centers, and commercial loans (including discount loans from public developers).

Quota withdrawal means that Chengdu Provident Fund Center will withdraw the monthly withdrawal amount agreed in the agreement (hereinafter referred to as the agreed withdrawal amount) from the available amount of the housing provident fund deposit account opened by the paid employees in Chengdu Provident Fund Center in the current month to the bank account agreed in the agreement (hereinafter referred to as the withdrawal account):

1. Extract the collection account. Withdraw the repayment funds on a monthly basis and transfer them to the normal Class I bank savings account opened by the employee himself in the cooperative bank of Chengdu Provident Fund Center or the digital RMB wallet account that meets the requirements. Among them, the paid employees who repay the commercial loans of the cooperative bank of Chengdu Provident Fund Center and hold a personal loan repayment account can transfer the withdrawal funds to the personal loan repayment account.

The cooperative banks of Chengdu Provident Fund Center can inquire through the publicly available List of Banks for Online Inquiry of Commercial Loan Information.

2. Agreed withdrawal amount. Deposited employees agree that Chengdu Provident Fund Center obtains information such as total loan amount, loan period, repayment method, loan start date, loan end date, remaining loan principal and interest, basic interest rate of commercial loans, etc. (regardless of factors such as interest rate adjustment and interest rate difference) according to interconnection, and calculates the remaining loan principal and interest amount through the business system of Chengdu Provident Fund Center and determines the agreed withdrawal amount. Deposited employees have objections to the agreed withdrawal amount, which shall be handled offline with reference to Article 5 (2) of these Provisions.

Third, the application conditions

When the paid employees meet the following conditions at the same time, they may apply for monthly repayment:

(a) during the repayment of the loan, and the loan has not been settled, the deposit employee is the owner of the house purchased by the loan or the spouse of the owner.

(2) There are no cases such as unfinished withdrawal, pre-receipt registration, and the judicial freeze has not been lifted, and it has not been included in the bad behavior registration of Chengdu Provident Fund Center.

(3) The paid employees have no other housing consumption withdrawal business within a natural year, except for the withdrawal of the loan principal and interest for the same set of housing.

(4) There is no agreement on entrusted withdrawal of Chengdu housing provident fund or agreement on entrusted withdrawal of Chengdu housing provident fund quota (hereinafter referred to as "annual entrusted withdrawal agreement") or monthly withdrawal agreement.

(five) in accordance with the "Chengdu housing provident fund extraction management measures", "Chengdu housing provident fund extraction management implementation rules" and other relevant provisions.

Four, the provisions of the contract loan

(1) The individual housing loans paid to employees with multiple sets of self-occupied housing are not settled, and if there is a provident fund loan from Chengdu Provident Fund Center, priority should be given to the provident fund loan from Chengdu Provident Fund Center for monthly repayment.

(2) If the paid employees choose the combined loan of Chengdu Provident Fund Center to sign a monthly withdrawal agreement, the provident fund loan will be paid directly to the principal and interest, and the commercial loan will be paid in a fixed amount, and the monthly available amount will be given priority to the direct payment of the principal and interest.

(3) If the deposited employees have signed the original annual entrustment withdrawal agreement, they can choose to continue the implementation according to the original regulations and the agreement, or they can choose to terminate the annual entrustment withdrawal agreement and sign a new monthly withdrawal agreement.

If there are two or more people in the same house who meet the extraction conditions, the selection of repayment extraction methods and the types of extraction agreements signed should be consistent.

V. Application materials and handling methods

(1) Online processing

Eligible paid employees can apply for, check and confirm the signing information through the "Chengdu Housing Provident Fund" APP, and complete the monthly loan repayment signing.

The borrower or spouse of the provident fund loan of Chengdu Provident Fund Center (excluding Ziyang Minsheng Village Bank) and the main borrower or spouse of the commercial loan of Chengdu Provident Fund Center cooperative bank can apply online.

(2) Offline handling

Eligible paid-in employees shall provide authentic, legal and effective originals of the following materials and apply for monthly repayment in the service hall of Chengdu Provident Fund Center. Chengdu Provident Fund Center will keep electronic images of relevant business materials.

1. Proof of identity and marriage:

(1) If the deposit employee is the principal borrower, provide his/her identity certificate.

(2) If the deposit employee is from co-borrower, he/she shall provide his/her identity certificate and that of the principal borrower.

(3) If the deposit employee is not co-borrower, but the spouse of the principal borrower, he/she shall provide his/her identity certificate, the identity certificate of the principal borrower and marriage certificate.

(4) If the paid employee is not co-borrower but co-borrower’s spouse, he/she shall provide his/her identity certificate, spouse’s identity certificate, marriage certificate and main borrower’s identity certificate.

2. Repay the provident fund loan of Chengdu Provident Fund Center (excluding Ziyang Minsheng Village Bank) without providing other materials.

3. If the loan of Chengdu Provident Fund Center (limited to Ziyang Minsheng Village Bank) and the commercial loan of Chengdu Provident Fund Center cooperative bank are repaid, the withdrawal account shall be provided according to Article 2 (2) of these Provisions.

4 to repay other personal housing loans, provide:

(1) Loan contract/loan contract (if the loan repayment business has been handled after November 1, 2017, the loan contract/loan contract can no longer be provided when the same house is used for monthly repayment);

(2) Personal loan repayment account flow (showing the latest deduction record);

(3) Providing withdrawal account according to Article 2 (2) of these Provisions;

(4) Chengdu Provident Fund Center will verify the authenticity of the loan through the platform of Yinzhengtong and the personal credit information system of China People’s Bank. If it is verified through the Yinzhengtong platform, the main borrower needs to sign the authorization agreement on the spot. If the main borrower belongs to the paid employee of Chengdu Provident Fund Center, it can be authorized online through the "Chengdu Housing Provident Fund" APP; If it is verified by the personal credit information system, the principal borrower shall sign the credit information inquiry authorization on the spot.

5. If the loan information, housing information and personal loan repayment account inquired through interconnection are incomplete and inaccurate, or the deposit employees have objections, or the non-cooperative banks cannot inquire about relevant information through interconnection, which affects the business audit and data confirmation, the deposit employees shall provide the corresponding original supporting materials.

6. If the housing purchased by the loan is outside the mutual recognition area announced by Chengdu Provident Fund Center, it is also necessary to provide the household registration certificate or work place certificate of the paid employee or spouse.

7. When handling business at the counter, the spouse can act as an agent, and at the same time provide the agent’s identity certificate and the original marriage certificate. If it is necessary to verify the authenticity of the loan through the personal credit information system, only the main borrower can do it for his spouse. If the principal and interest are paid directly, the spouse can do it on behalf of the paid employee after handling the entrusted registration through the "Chengdu Housing Provident Fund" APP or providing a notarized power of attorney.

VI. Implementation of the Agreement

(1) If two or more paid employees sign the same loan, it will be executed in the order of signing time by default.

(2) If the fixed withdrawal method is adopted, Chengdu Provident Fund Center can calibrate the agreed withdrawal amount through cooperative banks’ push information, bank-Zhengtong platform inquiry and manual verification.

(three) paid workers and Chengdu provident fund center signed a monthly withdrawal agreement, and within the validity period, shall not handle other housing consumption withdrawal business.

VII. Alteration of Agreement

(1) Select the change of collection account.

During the validity period of the monthly withdrawal agreement, if it is necessary to change the withdrawal account, the signatory shall go through the change formalities at the counter, and the spouse may act as agent. If I handle it, I will provide the original ID card and my bank account; If the spouse acts as an agent, the original identity certificate and marriage certificate of the agent shall be provided at the same time.

Chengdu Provident Fund Center will keep the electronic images of the business materials and issue the agreement change certificate.

(2) Selection order change

There are multiple monthly repayment contractors for the same loan, and if the withdrawal order needs to be changed, all the contractors must go to the counter at the same time, and the spouse can act as agent. If I handle it myself, I will provide the original identity documents of all the signatories; If the spouse acts as an agent, the original identity certificate and marriage certificate of the agent shall be provided at the same time.

Chengdu Provident Fund Center will keep the electronic images of the business materials.

VIII. Termination of the Agreement

(1) The monthly withdrawal agreement shall be automatically terminated in the following circumstances:

1. If the principal and interest are paid directly, the remaining loan principal and interest payable shall be zero.

2. If the fixed withdrawal method is adopted, the accumulated withdrawal amount is equal to the remaining repayable loan principal and interest amount of the loan at the time of signing, or after the month following the agreed loan termination time has been withdrawn according to the agreement.

(II) During the validity period of the agreement, the signatory can terminate the agreement through the "Chengdu Housing Provident Fund" APP or go to the service hall of Chengdu Provident Fund Center to apply for termination of the agreement. If I apply for termination of the agreement at the counter, I shall provide the original identity certificate; If the spouse acts as an agent, the original identity certificate and marriage certificate of the agent shall be provided at the same time.

Chengdu Provident Fund Center will keep the electronic images of the business materials and issue the agreement termination certificate.

(3) Chengdu Provident Fund Center has the right to unilaterally terminate the monthly withdrawal agreement under any of the following circumstances:

1. The contractor is included in the bad behavior registration of the provident fund center.

2. The signatory is determined in the divorce agreement or the effective legal documents that he is no longer the owner of the house or no longer undertakes the repayment obligation, or the signatory is no longer the owner of the house, or the spouse of the owner of the house, or does not meet the extraction conditions.

3 national, provincial, municipal or Chengdu Provident Fund Center policies and regulations change, and the monthly repayment business is suspended.

IX. Other matters

(a) the balance of the employee housing provident fund account should be kept at least in 1 yuan. Before the deduction date of each month, the employees who signed the deposit contract should pay attention to the available amount and ensure that the balance of the personal loan repayment account meets the loan repayment amount of the current month to avoid loans overdue.

If the monthly housing provident fund fails to arrive on time or the available amount is insufficient due to reasons such as the housing provident fund is not remitted and credited in time, bank payment settlement, etc., the borrower shall timely deposit in the personal loan repayment account funds not less than the loan principal and interest payable in the current period.

If loans overdue is caused by the borrower’s failure to deposit funds in full and on time, the borrower shall bear the responsibility.

(II) Matters not covered in these Provisions shall be implemented with reference to the Measures for the Administration of the Withdrawal of Chengdu Housing Provident Fund and the Detailed Rules for the Implementation of the Administration of the Withdrawal of Chengdu Housing Provident Fund.

(three) the relevant management regulations or handling channels, inquiry channels, etc., shall be adjusted.

(4) The Chengdu Provident Fund Center shall be responsible for the interpretation of these Provisions.

(five) these Provisions shall come into force as of October 8, 2023, and shall be valid for one year.

Why should the Regulations be revised?

Applicable object of "monthly repayment"

And how to realize it?

Monthly withdrawal agreement

Can it be changed or terminated early?

Signed annual withdrawal agreement

Continue to take effect?

Here comes the interpretation.

Revision background

Since October 8, 2021, Chengdu Provident Fund Center’s monthly loan repayment business has been put into operation. Through two different processing modes of "straight principal and interest" and "fixed withdrawal", it has taken the lead in realizing the full coverage of individual housing loans in the industry by interconnecting with financial information platforms such as cooperative banks and banking-government-communication platforms. Employees who have paid off provident fund loans, commercial loans and portfolio loans can withdraw housing provident fund to repay loans on a monthly basis, effectively reducing the repayment of individual housing loans by paid employees. The relevant regulations on the management of monthly withdrawal of housing provident fund from Chengdu housing provident fund to repay the principal and interest of individual housing loans (Trial), which has been implemented for supporting business, is about to expire. In order to further improve the service experience of paid employees in withdrawing and using housing provident fund, and ensure the standardization, continuity and effectiveness of business operation, it is necessary to revise and improve the relevant regulations on the management of monthly repayment of loans.

hot-button issue

ask

What are the applicable objects and specific implementation methods of "monthly repayment"?

Answer: If employees are deposited in Chengdu Provident Fund Center and have applied for individual housing loans, they can apply to Chengdu Provident Fund Center for monthly withdrawal and repayment during the period of monthly loan repayment. Personal housing loans include provident fund loans, commercial loans, combined loans of provident fund loans and commercial loans.

There are two ways to realize monthly loan repayment: "straight principal and interest" and "fixed withdrawal".

ask

What is the scope of application of "straight principal and interest" and "fixed withdrawal"?

Answer: 1. "Direct payment of principal and interest" means that Chengdu Provident Fund Center deducts the principal and interest of provident fund loans that should be repaid by paid employees in the current period from the provident fund account on a monthly basis, and the difference that is insufficient to be deducted is deducted from the entrusted deduction account agreed by the borrower when handling the loan.

This method is applicable to the provident fund loan of Chengdu Provident Fund Center (excluding Ziyang Minsheng Village Bank).

2. "Fixed withdrawal" means that Chengdu Provident Fund Center transfers the withdrawal amount agreed upon in the agreement from the employee provident fund deposit account to the bank account agreed upon in the agreement on a monthly basis.

This method is applicable to other personal housing loans, including provident fund loans from Chengdu Provident Fund Center (limited to Ziyang Minsheng Village Bank), provident fund loans from other provident fund centers, and commercial loans (including discount loans from public developers).

3. For the monthly repayment of the combined loan of Chengdu Provident Fund Center, the part of the provident fund loan is realized by "straight principal and interest" and the part of the commercial loan is realized by "fixed withdrawal".

ask

What are the "fixed withdrawal" collection accounts?

Answer: 1. If the commercial loan of Chengdu Provident Fund Center Cooperative Bank is repaid by monthly withdrawal, and the deposit employee is the cardholder of the entrusted deduction account, the withdrawal funds can be transferred to the entrusted deduction account.

2. Other paid employees who meet the conditions of "quota withdrawal" will withdraw the repayment funds on a monthly basis and transfer them to my normal Class I bank savings account or a digital RMB wallet account that meets the requirements. If the employee has signed the card, the withdrawal funds will be transferred to my signing card.

3. Deposited employees can check the list of cooperative banks through the List of Banks for Online Inquiry of Commercial Loan Information published by Chengdu Provident Fund Center official website and other channels.

ask

What are the conditions for signing a monthly withdrawal agreement?

Answer: 1. The paid employee is the owner of the house purchased by the loan or the spouse of the owner, and the housing loan has not been settled.

2. There is no unfinished withdrawal business, pre-receipt registration, judicial freeze, etc. in the employee provident fund account, and I am not included in the bad behavior registration of Chengdu Provident Fund Center.

3. Deposited employees have not handled other housing consumption extraction business within a natural year, including purchase, construction, renovation, overhaul of self-occupied housing extraction, repayment of principal and interest of non-local housing loans, and rental extraction.

4. Deposit the annual withdrawal agreement or other monthly withdrawal agreement that the employee has not effectively implemented.

5. The address of the house should be consistent with the prefecture-level administrative region where the employee or spouse is registered or works, except that the purchased house is in the mutual recognition area announced by Chengdu Provident Fund Center.

ask

When can I sign a monthly withdrawal agreement after paying the employee for personal housing loan?

A: After the provident fund loan is issued, or the commercial loan is repaid for one month, it can be processed if it meets the signing conditions.

ask

Can the deposit balance included in the calculation of provident fund loan amount be used to direct the principal and interest?

A: Yes.

ask

What are the ways to sign a monthly withdrawal agreement?

A: There are mainly online and offline processing methods.

Eligible paid employees can apply for self-service online through the "Chengdu Housing Provident Fund" APP; If you can’t get the relevant information accurately online, you need to apply for it at the counter. When going offline for counter handling, the employees who pay the deposit shall provide proof materials according to Article 5 of the Provisions on the Administration of Withdrawing Housing Provident Fund from Chengdu Housing Provident Fund on a Monthly basis to Repay the Principal and Interest of Individual Housing Loans.

ask

After the overpaid employees sign the monthly withdrawal agreement, in what order will they be deducted or withdrawn?

Answer: If two or more employees pay the signing and withdrawal agreement for the same loan, it will be deducted or withdrawn in the order of signing time by default. If it belongs to the combined loan of Chengdu Provident Fund Center, it will give priority to the principal and interest of the provident fund loan.

ask

Can the monthly withdrawal agreement be changed or terminated early?

A: Yes. The agreement change is limited to the change of the order of the collection account and the drawer.

Deposited employees can apply for early termination of the agreement through the center "Chengdu Housing Provident Fund" APP within the validity period of the monthly withdrawal agreement.

ask

After signing the monthly withdrawal agreement, as long as the balance of the provident fund account is sufficient, is it unnecessary to deposit money in the repayment card?

Answer: In order to avoid the failure to withdraw the housing accumulation fund in full as agreed in the agreement due to reasons such as the failure to remit and record the housing accumulation fund in time and the abnormal payment and settlement by the bank, loans overdue will be generated. It is suggested that the paid employee or borrower deposit the repayment amount of not less than one month in the repayment card in advance. It should be noted that the balance of the employee provident fund account should be kept at least in 1 yuan.

ask

Will the annual withdrawal agreement signed at present continue to take effect?

A: Yes. If the paid employees have signed an annual withdrawal agreement and have not terminated the agreement, they can continue to implement it according to the agreement, or they can choose to change the annual withdrawal agreement into a monthly withdrawal agreement according to the actual situation.

Original title: "Implemented on October 8! It is related to the monthly withdrawal of Chengdu provident fund.

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　　Hangzhou, April 26 (Reporter Liu Leping and Yu Qin) On the afternoon of the 26th, the provincial party committee held a provincial digital reform promotion meeting to sum up the achievements of the previous stage and clarify the work priorities for the next two months. Yuan Jiajun, secretary of the provincial party committee and leader of the provincial leading group for digital reform, attended and delivered a speech, stressing the need to thoroughly study and implement the important exposition spirit of the Supreme Leader’s General Secretary on comprehensively deepening reform, especially digital reform, closely follow the center and serve the overall situation, adhere to equal emphasis on key breakthroughs and overall promotion, take actual combat and practical results as the guide, highlight the problem-solving of reform, reshape the system, and form the ability, advance into the deep-water area of reform, solve the hard bones that are difficult to chew, promote the implementation of major reforms in the whole body, and accelerate the creation of major landmark achievements for the governance system.

　　Wang Hao, deputy secretary of provincial party committee and governor, presided over the meeting. Huang Lixin, Chairman of the CPPCC Provincial Committee, Huang Jianfa, Deputy Secretary of the Provincial Party Committee and other leading cadres at or above the provincial level attended the meeting. At the meeting, the person in charge of the Reform Office of the Provincial Party Committee reported the overall progress, main achievements and next plans of the previous stage of digital reform. The person in charge of each system lead unit reported the progress, existing problems and next plans of the previous stage of digital reform of this system, and the person in charge of the Provincial Big Data Bureau reported the construction, existing problems and next plans of the integrated intelligent public data platform (platform+brain) in the previous stage. The leaders of the Provincial Big Data Bureau, the Provincial Department of Justice, the Provincial Market Supervision Bureau and Shangcheng District of Hangzhou respectively demonstrated and reported the comprehensive application of precision and intelligent control for epidemic prevention and control, the digital application of "big comprehensive integration" law enforcement supervision, the market supervision brain and the intelligent application of large-scale comprehensive transportation hub. The meeting defined the objectives and tasks in different fields.

　　Yuan Jiajun pointed out that General Secretary of the Supreme Leader attached great importance to digitalization, delivered a series of important speeches and made a series of major arrangements on the strategy of strengthening the country through the network, the strategy of big data, the development of digital economy and the construction of digital government for many times, and recently explicitly proposed that digital reform should help the transformation of government functions, which provided a fundamental basis for us to further promote digital reform and pointed out the way forward. We must learn and understand the important exposition spirit of the Supreme Leader’s General Secretary on comprehensively deepening reform, especially digital reform, and deeply understand the great significance of digital reform, and fully understand that digital reform is the "ship" and "bridge" towards modernization, the general grasp of comprehensively deepening reform, the core carrier of shaping change and the core tool of quantitative closed loop, and the core driving force for high-quality development and construction of common prosperity demonstration zones. It is a necessary question to improve cadres’ ability to adapt to and lead modernization, further enhance their sense of responsibility, mission and honor, transform the spirit of studying the important speech of General Secretary of the Supreme Leader into the mission of promoting digital reform, and hand over high-scoring statements for reform with practical work.

　　In his speech, Yuan Jiajun fully affirmed the achievements of the previous stage of digital reform. He said that in the past two months, in accordance with the requirements of comprehensively deepening reforms, major reforms in common prosperity demonstration zones, and digital reforms, various localities and departments have continuously iterated over the "1612" system framework, optimized runway settings, enriched business applications, and strengthened "brain" capacity building, and a number of practical achievements, theoretical achievements, and institutional achievements have emerged. Promoting digital change, a key variable, has become an important increment in promoting modernization, and achieved governance efficiency and service quality improvement. At the same time, Yuan Jiajun also pointed out the shortcomings and problems in the current reform work.

　　Yuan Jiajun emphasized that the next reform should shift the focus of the work to the breakthrough of reform and actual combat effectiveness, bravely break into the "deep water area" and gnaw at the "hard bones", make efforts to promote the integration of comprehensive deepening reform, major reform in the demonstration zone of common prosperity and digital reform, open up business flow, decision-making flow and implementation flow with data flow as the carrier, make efforts to promote process reengineering, model reconstruction and system reconstruction, and accelerate the formation of new practical combat effectiveness capabilities. It is necessary to focus on the needs of the country, what Zhejiang can do, what the masses expect and what the future will look forward to, actively use the concepts, ideas, methods and means of digital reform, solve the reform problems in accordance with the "three batches" and make every effort to create landmark achievements in major reforms. On the basis of comprehensively combing the core business of the "6+1" system, the full coverage of core business applications should be basically realized. It is necessary to reshape the system and form new capabilities. Through business integration, data integration and technology integration, it is necessary to promote cross-level, cross-regional, cross-system, cross-departmental and cross-business intelligent response, all-data decision support and whole-process collaborative linkage, promote comprehensive integration of major applications, and build a "decision — Control — Feedback — Improve the closed-loop management mechanism; Focus on key areas to promote the construction of "brain" in batches, and improve the ability of operation monitoring and evaluation, forecasting and early warning and strategic target management. We should strive for the first place in the reform and not fall behind.Encourage the masses, the market and social forces to participate in the reform, encourage grassroots innovation, encourage state-owned enterprises, universities, hospitals and other enterprises and institutions to integrate into the overall situation of reform, strive to create a number of achievements, and further form a good trend of the whole society to create, build and share.

　　Wang Hao stressed that it is necessary to accurately benchmark the spirit of the important instructions of the Supreme Leader General Secretary, improve the political stance, enhance the consciousness of action, use real merits and see practical results in the integration of learning and knowing and doing, and further consolidate and expand the leading advantages of digital reform. It is necessary to adhere to the demand orientation, highlight the actual combat effectiveness, focus on high-quality development and construction of common prosperity demonstration zones, transformation of government functions, grassroots social governance, and security, accurately sort out the major needs of enterprises and the masses, plan and build a number of major applications with actual combat effectiveness, and give better play to the important role of digital reform in empowering economic and social development. It is necessary to strengthen multi-span collaboration, promote efficient sharing, adhere to the digital reform of "one map" and "one account", break down compartmentalization and industry barriers, prevent low-level redundant construction, establish a cross-level, cross-regional, cross-system, cross-departmental and cross-business collaborative management service mechanism, and truly realize efficient sharing of data, services and governance. It is necessary to pay attention to iterative upgrading, create hard-core achievements, improve the demonstration, evaluation and incentive mechanisms, mobilize and stimulate the enthusiasm for reform, and launch the digital reform brand of "Zhejiang Innovation and National Sharing".

　　The meeting was held in the form of video conference, and each city and county (city, district) set up sub-meeting places. The heads of relevant provincial departments attended the main venue.

　　Xinhua News Agency, Hefei, November 21st (Reporter Chen Nuo) released wealth management products with false creditor’s rights as the target on the online lending platform, promised high interest to lure public investment, and illegally absorbed and stored more than 6 billion yuan. The reporter recently learned from the Anhui Provincial Public Security Department that Xiong, a major suspect in this fund-raising fraud case, was extradited to China.

　　On July 31, 2018, Baohe Branch of Hefei Public Security Bureau filed a case against Anhui Changtian Asset Management Co., Ltd. on suspicion of illegally absorbing public deposits. According to the police investigation, from January 2014 to July 2018, without the permission of the financial supervision department and the qualification to absorb public deposits, the criminal suspect Xiong used many companies controlled by him, such as Anhui Changtian Asset Management Co., Ltd. and 0551 Real Estate Company, to join hands with others to release wealth management products with false claims through two P2P online lending platforms: "Good Car Loan" and "Express Fortune" for the purpose of illegal possession.

　　After investigation, the above-mentioned absorbed funds were used by Xiong for lending, stock trading and personal profligacy, which caused huge losses to investors. After the incident, Xiong fled overseas. On November 13, 2018, Interpol China National Central Bureau asked Interpol to issue a red notice to Xiong. On January 9 this year, the French police arrested Xiong and immediately informed us through Interpol channels. I quickly submitted an extradition request to the French side. On November 7, the French side notified the approval of extradition and transfer. On November 19, the police escorted Xiong to China.

1, mainly based on academic performance. This accounts for most of the places in the insurance research. It is common practice for schools to define basic academic performance requirements (mainly to examine credit scores) and distribute them to departments according to a certain quota ratio, which will be submitted to the list for examination and approval by the schools in combination with other aspects. Under normal circumstances, only the top few students in the class can apply for postgraduate study.

2, special students are free to try and push directly. In order to attract or retain special talents, some schools often give special preferential treatment and recommend graduate students without examination. Common are sports and literary specialties, but there are few places and strict requirements.

3. Direct push without test between schools. In order to encourage academic exchanges between universities and reduce academic inbreeding, the education authorities have strongly advocated recommending outstanding graduates to other universities without examination in recent years. Due to the differences in the conditions of graduate insurance and students’ learning conditions in different schools, sometimes students who are difficult to obtain graduate insurance qualifications in our school may get their wishes in other schools.

4. Exemption from test recommendation and reservation of admission qualification. Instead of going to graduate school right away, these students will keep their qualifications for admission for one or two years, and first work in relevant departments according to the arrangement of the school, or send personnel as education departments to teach in remote areas. The conditions for such walks are relatively low, but not everyone can apply. Generally, only outstanding student cadres or activists are eligible for selection. At the same time, this is not necessarily the best choice, after all, it will delay one or two years of great youth.