What is a stroke?

# Talk about health on Thursday

October 28th at 9 a.m.

Health lecture hall on the first floor of 5G medical ward building in the First Hospital of Medical University

In winter, due to the cold weather and vasoconstriction, blood pressure rises, so it is the season of high incidence of cardiovascular and cerebrovascular diseases. Stroke is a kind of cardiovascular and cerebrovascular diseases, which has the characteristics of high incidence, high disability rate, high mortality rate and high recurrence rate.

How to prevent stroke and spend the long winter safely? Specially present a maintenance secret of winter stroke.

Department of Neurology Ma Xiaowei

Current expert

Ma Xiaowei

Department of Neurology, First Hospital of Hebei Medical University

Chief physician and master tutor

Good at: cerebrovascular disease, cognitive impairment and related diseases.

Case sharing!

Mr. Wu, 60 years old, has been in good health except for a little hypertension. He got up early as usual two days ago, ready to have breakfast and go out for a walk, but he didn’t expect to go out, about 6: 30. Suddenly, the whole person’s left limbs, including arms and legs, lost their strength, were out of control, and began to walk erratically, so he rushed to the hospital for consultation.

The attending doctor of neurology department made a physical examination for Mr. Wu and found that his left limb muscle strength was grade 3. Combined with clinical symptoms and medical history, it was preliminarily judged to be acute cerebral infarction.

What is a stroke? !

Stroke includes ischemic stroke and hemorrhagic stroke, in which ischemic stroke accounts for 60-70%.

If the human brain is compared to a field, the blood vessels in the brain are irrigation ditches in the field.

How to identify stroke?

Remember "120 recipes for stroke"

1. In case of signs of stroke, you should dial 120 quickly and send it to the nearest green channel hospital, bearing in mind that "time is life".

Briefly describe the patient’s situation and illness, accurately describe the location, and let the emergency doctor prepare for the rescue and arrive at the emergency site as soon as possible.

2, be sure to keep breathing unobstructed. If there is vomiting, lie on your side and tilt your head to one side, unbutton the patient’s coat, and remove foreign bodies in your mouth, such as dentures and vomit. If the patient snores like thunder, it means that there is poor breathing. Lie on your side or put your neck up and your head back.

3. Don’t take medicine by yourself. Stroke can be divided into hemorrhagic and ischemic types. The treatment methods are different. If you take medicine at will when you are not diagnosed, it may aggravate your condition.

4. Don’t sit up straight, and don’t hug, drag, carry or carry the patient.

In the process of patient transfer, it is best for family members to respect the advice of emergency doctors and avoid choosing to transfer by car or taxi.

Healthy lifestyle

Is the basis of disease prevention.

1. Quit smoking and limit alcohol

Smoking is an independent risk factor for stroke, especially for ischemic stroke. Smoking accelerates arteriosclerosis and increases the probability of thrombosis; Passive smoking is also harmful.

For non-drinkers, drinking is not recommended to prevent cardiovascular and cerebrovascular diseases.

2. Exercise properly

Moderate exercise: such as walking, jogging, cycling, or other aerobic metabolism fitness activities; The best exercise time is 4-5 pm, followed by evening (2-3 hours after dinner), and you can do light exercise in the morning. It is recommended to have moderate physical activity of ≥ 30 minutes every day, at least three times a week.

3. Lose weight

Overweight and obese people can reduce their weight and the risk of stroke by adopting healthy lifestyle and increasing physical activity. Advocate a healthy lifestyle and good eating habits.

4. Reasonable diet

Formula of reasonable diet: eat fruit first and then eat, a vegetarian meal every day, one catty of milk, one egg, three kinds of fruits, limited salt, less oil and more vegetables, and coarse grains flour and rice alternately, so as to keep health.

5, regular screening

Routine blood tests (platelet, coagulation function, etc.); Blood pressure, blood sugar and blood lipid examination; Transcranial Doppler examination and other vascular function tests; Examination of brain tissue lesions and blood flow.

Common stroke

Misunderstanding

Wrong: ① transfusion twice a year, which can prevent middle disease; ② If the blood pressure is normal or low, you won’t get a stroke; (3) only the elderly will have a stroke, and thin people will not have a stroke; ④ One month after stroke, it will be better; ⑤ Listen to advertisements and be superstitious about high-priced drugs and specific drugs; ⑥ Health products can soften blood vessels and lower cholesterol.

Correct: ① More than 80% of strokes can be prevented, but transfusion prevention is not scientific; ② People with normal blood pressure may get sick due to other factors; ③ People of all ages, whether fat or thin, may occur; ④ Rehabilitation treatment is needed, otherwise it may be impossible to recover for life; ⑤ Go to a regular hospital for corresponding treatment; ⑥ Most health care products have no effect on preventing and treating diseases.

October 28th at 9:00 a.m.

Can’t attend the lecture on the spot.

Scan QR code to watch live broadcast on time.

2021/10/28

Face to face with experts

Health lecture hall on the first floor of 5G ward comprehensive building in the First Hospital of Medical University

Audit/Title: Wang Jing and Han Xu.

Finishing/Editing: Liu Danyang

Image source: Network

Build and share the health of the whole people

Read the original text

On May 12th, OPPO announced that it would completely terminate the business of its chip design company ZEKU, which also triggered a huge shock in the industry.

There are also different opinions about why Zheku Technology was suddenly dissolved without warning.

The official reason given by OPPO for dissolving Zheku is "the uncertainty of global economy and mobile phone market".

Liu Jun, CEO of Zheku, also said at the last general meeting: "The global economy and mobile phone industry are extremely pessimistic now, and the company’s entire revenue is far from expectations. So in this case,Such a huge investment in chips will be beyond the company’s affordability.So I regret to make an announcement here. After careful discussion, the company decided to shut down Zheku and terminate the chip self-research business. As CEO of Zheku, I couldn’t take this business to the place we wanted to go, and it’s a pity to tell you in this way. At this time, I can only say, I’m sorry, thank all Zheku colleagues, and thank them for their hard work in Zheku over the past four years. "

Indeed, since last year, the global economic situation has declined and the smartphone market has continued to shrink, which has also put tremendous pressure on OPPO.

According to IDC data, in 2022, global smartphone shipments fell by 11.3% year-on-year, and OPPO shipments were 103.3 million units, down by 22.7% year-on-year. Moreover, the smartphone market is still in a downward trend, and the recovery may have to wait until the second half of the year.

From the current point of view,OPPO has been mass-produced and shipped MariSilicon X. Although it has been adopted by the high-end versions of Find X5, X6 and Reno9 series, the shipment volume is still relatively limited, which may not cover its research and development costs.

This also makes the outside world think that it is because Zheku burned too much money (it is rumored that it burned 50 billion yuan in three years, but it is not so much), and the continuous decline of the global economy and smartphone market since last year has brought greater pressure to OPPO. OPPO finally decided to give up.

However, this explanation seems reasonable, but it is puzzling. becauseIn fact, Zheku has spent less than 10 billion yuan in more than three years since its establishment, and OPPO is not short of money now. Even if you think that self-developed chips burn money, it is entirely possible to reduce Zheku’s product line and focus on some areas you need (such as power management chips).

Just in February this year, Liu Zuohu, senior vice president and chief product officer of OPPO, also publicly disclosed the SUPERVOOC S full-link power management chip developed by OPPO, and said that in the future, OPPO and all models with charging power above 100W will be equipped with Supervooc S.

The compensation scheme is very kind and OPPO is not short of money.

Judging from Zheku’s compensation for layoffs, it can be said that it is very generous. The compensation standard for regular employees in China is "N+3", and the base is the total annual salary+bonus+all other income divided by 12. And in May, salary will be paid according to one month, and social security will be paid for employees in May.

Even fresh graduates who fail to report for duty can get compensation of (offer’s monthly salary+bonus /12) *3. It can be said that the whole compensation scheme is very kind.

According to the data, Zheku was established in August 2019, covering product lines including: core application processor, short-range communication, 5G Modem, RF, ISP and power management chip. At present, the team totals about 3000 people.

According to reports, since its establishment, Zheku Technology has always been a big and high-paying poacher, which also makes the average salary of Zheku Technology significantly higher than the industry average.

According to the statistics of the Staff Friends Group, the average salary of Zheku Technology is 44,504 yuan/month, of which 2.3% is 20,000-30,000 yuan, 45.6% is 30,000-50,000 yuan, and 51.1% is above 50,000 yuan.

If calculated according to the average monthly salary of about 45,000, the "N+3" compensation for 3,000 people will exceed 405 million yuan. If you want to calculate the year-end bonus and other income equally in the compensation base, I’m afraid it will be about 500 million yuan.

OPPO said thatAll these compensations will be paid within 5 working days after signing the resignation agreement before May 19th.This also shows that OPPO is not short of money at this stage.

On May 13th, Shen Yiren, former vice president of OPPO, said in the Weibo, "What money can solve is actually not a big problem … … The problem that money cannot solve is the real problem. "

Therefore, the real reason why OPPO suddenly disbanded Zheku Technology is not simply the problem of "money".

How much did Zheku "burn"? Maybe less than 10 billion

As early as the Future Science and Technology Conference in 2019, Chen Mingyong, founder and CEO of OPPO, announced that "50 billion yuan will be invested in R&D to build a technical moat in the next three years", and then OPPO officially launched the Mariana Plan for self-developed chips. This also shows that OPPO has made plans for a protracted war before opening the self-developed chip, and has given sufficient funds.

Although there are many rumors on the Internet that "Zheku burned 50 billion yuan in three years", in fact Zheku may only spend about 10 billion yuan.

Even according to the current scale of 3,000 people, the annual salary consumption is about 2 billion yuan (calculated according to the previous estimate of 500 million yuan for three months).

Although Zheku was established in August 2019, it has been more than three years since it really started to develop chips. The annual salary costs 2 billion yuan, which is about 6 billion yuan in total.

Moreover, the team of 3,000 people has gradually grown up in more than three years. There were not many people at the beginning of the first year, so in fact, the total expenditure on personnel salaries was not 6 billion yuan.

In addition, EDA tools and semiconductor IP needed for chip research and development, as well as chip streaming and mass production are also very expensive.

"The EDA cost of Zheku is about 30 million to 50 million dollars a year."An insider of an American EDA factory revealed to Xinzhixun.

That is to say, in three years, the EDA cost required by Zheku is about 90 million-150 million, which is about 120 million US dollars, or about 835 million RMB.

In terms of streaming cost, the image NPU chip MariSilicon X released by Zheku is based on TSMC’s 6nm process, and the Bluetooth audio SoC chip MariSilicon X is based on TSMC’s N6RF process. In addition, there is a mobile phone AP chip that was previously under development, which is rumored to be based on TSMC’s 4nm process.

According to Xin Zhixun, an insider of a wafer factory knows that the cost of chip streamer is mainly the cost of MASK, which is mainly related to the complexity of chip design. The more metal layers are used, the more mask layers will be, and the higher the cost will be.

Generally speaking, the cost of making a 6nm MASK is about 10 million dollars, and the cost of making a 4nm MASK is about 2,000 dollars.

Because MariSilicon X is a dedicated NPU chip, MariSilicon is an audio SoC, but its complexity is far less than that of mobile phone AP. Therefore, the actual mask cost required for these two chips is expected to be lower.

Even if the conventional cost is estimated, the total cost of the three chips (calculated according to the success of one tape) is about 40 million dollars, or about 278 million yuan.

As for the IP licensing fee required for each chip project, because most of the IP of MariSilicon X and MariSilicon Y are self-developed, the cost of semiconductor IP to be outsourced is not high, which is estimated to be around several million dollars, so let’s calculate 10 million dollars in Dali, which is about 70 million yuan.

The rumored mobile phone AP is a eight nuclear CPU+10-core GPU, which uses Arm’s Cortex-X2+Cortex-A710+Cortex-A510 CPU IP, and the GPU IP should also belong to Arm, which will make the IP cost of this mobile phone AP soar.

According to insiders, the Arm IP cost for such a 4nm AP chip may need 30 to 50 million dollars, and other IP types may also need 30 to 50 million dollars. According to the median calculation, it is about $80 million.

Therefore, the total IP licensing fee for the three chips may be about 90 million dollars, or about 626 million yuan.

Taken together, Zheku’s three-year staff salary, EDA tools needed for chip research and development, the purchase of semiconductor IP, and the cost of chip streaming are probably less than 7.8 billion yuan.

Even if other expenses such as office rent, all kinds of office equipment, test equipment, servers, water and electricity network fees, and supporting employee benefits are included, how to calculate 10 billion yuan should be enough.

Obviously, the expenditure of 10 billion yuan is far from Chen Mingyong’s psychological budget of "investing 50 billion yuan in research and development in three years".

4nm AP slide failed?

For the reason why OPPO gave up Zheku, there are rumors that the 4nm mobile phone AP is too difficult, and the streaming failed. In the future, more money may be needed to succeed, and even if it succeeds, it may not be recognized by the market, so it is decided to give up.

However, an internal employee of Zheku confirmed to Xinzhixun that,This AP has not failed, "bing up and all kinds of follow-up work are being prepared internally". According to the previous forecast, the film will come back in mid-June, and now no film has come back for testing. How do you know it has failed?

Liu Jun, CEO of Zheku, also stressed at the last general meeting:"This decision has nothing to do with the quality of your work."

Obviously, the sudden dissolution of Zheku is not due to the "4nm AP film failure".

The supporting MediaTek 5G baseband was stopped

Although Zheku’s mobile phone AP doesn’t have its own baseband chip, it can realize the 5G communication function by plugging in a third-party 5G baseband chip, just like Apple A series processors.

According to Xin Zhixun’s understanding,This mobile phone AP was originally planned to plug in a 5G baseband chip supplied by MediaTek.

According to an internal employee of Zheku, Xin Zhixun revealed that,Last week, MediaTek was still solving the problems related to Zheku Baseband, and Zheku suddenly announced its dissolution, which also caught the other side off guard.

Because the existing 5G baseband chips in MediaTek cannot be directly used, they need to be customized according to the AP design and needs of Zheku.

People in the semiconductor industry @ 中中中中中中 also broke the news yesterday.Affected by the closure of Zheku, the 5G baseband plan matched with MediaTek also stopped, and the 6nm/4nm RF/AP WIP (work in process) on TSMC production line was also stopped.

As Zheku suddenly announced its closure, the cooperation with MediaTek has been unilaterally terminated, and it is expected that it may also need to pay a large amount of "liquidated damages".

Summary:

Based on the above analysis,The sudden closure of OPPO without warning seems to be not because Zheku’s "burning money" exceeded expectations, nor because OPPO has no money, nor is there a problem with Zheku’s product development.

So, what caused OPPO to suddenly give up developing its own chips and disband the 3,000-person Zheku team at any cost, so that all the efforts of this group of excellent chip designers in China in the past four years were wasted? I am afraid that most of the existing research and development results will also be abandoned.

Duan Yongping, the founder of BBK brand, left a meaningful comment when evaluating the news of Zheku’s closure on snowball:"Correct mistakes as soon as possible, no matter how much it costs."

Duan Yongping’s implication seems to be that the OPPO self-developed chip was a mistake from the beginning, but if it was a mistake from the beginning, why did it take nearly four years to point it out?

In the past two days, many media and analysts have given such views "with hindsight", but why did these people go early?

Generally speaking, there are some "puzzling" places in OPPO’s sudden dissolution of Zheku, especially in the context of the continuous suppression of the domestic semiconductor industry in recent years. It is no wonder that many netizens believe that the main reason is OPPO’s deep "fear" of that "mysterious force".

After all, the mobile phone business is only one of its three major businesses, compared with another company that has been repeatedly hit by "mysterious forces" but has not fallen. OPPO’s business is more single. Once the mobile phone business is affected, there will be no other business to transfuse blood. The "spare tire" is still under development, and of course there is no chance of "turning positive".

However, regarding this view, a Zheku executive told Core Intelligence:"Conspiracy theories cannot be falsified, so people always like to listen."

Finally, I borrow a passage from Wang Zhuo, the head of Zheku baseband and RF department, at the general meeting as the end of this article, and wish my friends who have worked in Zheku a new job in the future and continue to fight for the rise of China Core!

"Zheku no longer exists, so Zheku may be meaningless in itself, but the journey we have traveled together is meaningful. … … As long as we have made efforts, God will surely see it. I believe that all our efforts will not be in vain, and you will definitely see his help to you at some point. "

Departments in charge of industry and informatization, development and reform, science and technology, finance, ecological environment, transportation, agriculture and rural areas, commerce, culture and tourism, market supervision and banking supervision of all provinces, autonomous regions, municipalities directly under the Central Government and Xinjiang Production and Construction Corps:

Traditional superior food producing areas and local characteristic food industries are important development carriers and key growth engines of China’s food industry. In order to thoroughly implement the spirit of the 20th National Congress of the Communist Party of China, implement the 14th Five-Year Plan for National Economic and Social Development and the Outline of the Long-term Goals for 2035, accelerate the development of traditional superior food producing areas and local specialty food industries, foster the formation of new kinetic energy for economic development, and help rural revitalization and common prosperity, this guidance is formulated.　

Guided by the Supreme Leader’s Socialism with Chinese characteristics Thought in the New Era, we will fully implement the spirit of the 20th Party Congress, adhere to the general tone of striving for progress while maintaining stability, implement the new development concept completely, accurately and comprehensively, accelerate the construction of a new development pattern, adhere to the people-centered development idea, carry out in-depth supply-side structural reforms, fully release the industrial development potential and promote comprehensive rural revitalization and common prosperity based on regional resource endowments and unique food culture.

According to local conditions, highlight the characteristics. Dig deep into the superior resources in various places, clarify the development direction and cultivation priority, build a food industry system with regional characteristics, and form a diversified and differentiated industrial competition pattern.

Market-led, overall promotion. Optimize the development environment of traditional superior food producing areas and local characteristic food industries, give full play to the decisive role of the market in resource allocation, and help enterprises and industries grow and develop.

Leading by producing areas, gathering and developing. Guide the traditional superior food producing areas to further exert the agglomeration effect, strengthen the construction of public service platform, promote the creation and promotion of regional brands, and promote the development of large, medium and small enterprises.

Ensure safety and serve the people. Strengthen the main responsibility of quality and safety of food enterprises, improve the quality and safety risk management and control ability of the whole industry chain, and ensure the "safety on the tip of the tongue" while meeting the diverse food consumption needs of the people.

By 2025, the scale of traditional superior food producing areas will continue to grow, the geographical coverage will be further expanded, the quality and efficiency of local specialty food industry will continue to improve, the supply chain support capacity will be significantly improved, the integration level of primary, secondary and tertiary industries will continue to be optimized, and the modernization level of industrial chain will be greatly improved. The development pattern of local specialty food with "10 billion leading enterprises, 100 billion clusters and 1 trillion industries" will basically take shape. Cultivate more than five traditional superior food producing areas with annual revenue exceeding 100 billion yuan, and more than 25 leading enterprises with annual revenue exceeding 10 billion yuan, and create a number of well-known national brands of local specialty food products and typical cases of industrialization of local specialty snacks.

Strengthen the protection and utilization of raw material varieties of high-quality edible agricultural products, strengthen the expansion and breeding of special and rare agricultural products, and provide strong support for the development of local specialty food industry. Strengthen the cultivation of varieties of raw materials suitable for processing, support universities, scientific research institutes and seed enterprises to vigorously carry out the introduction, testing, evaluation and innovative utilization of special varieties of processing resources around the development needs of local food industry, optimize the quality and processing performance of raw materials, and expand the scope of application.

Encourage enterprises to focus on the advantage areas of China’s characteristic agricultural products and tilt to the border areas appropriately, establish a long-term and stable supply base for agricultural raw materials, and develop large-scale breeding. Carry out investigation and monitoring of agricultural non-point source pollution, implement measures to prevent and control agricultural non-point source pollution, standardize the use of agricultural inputs such as agricultural and veterinary drugs, fertilizers and feeds, promote the recycling of agricultural wastes, strictly control the source of heavy metal pollution such as cadmium in soil, and protect the ecological environment. Encourage the declaration to create a national organic food production base.

Encourage local specialty food production enterprises to form a stable cooperative relationship with farmers’ professional cooperatives, family farms and other new agricultural business entities in the form of order farming, or establish a variety of cooperation modes such as contract, dividend and equity with farmers of agricultural raw materials, organize specialized institutions or professionals to carry out targeted technical guidance on breeding, form a long-term and stable source of high-quality raw materials supply, and let farmers share the value-added benefits of the whole industry chain.

?#xa0; (B) to promote the construction of characteristic industrial clusters

Support governments at all levels to base themselves on local characteristic food industry resources, strengthen high-level planning and layout, guide enterprises to concentrate in traditional superior food producing areas, and amplify the industrial cluster effect. Aiming at the upstream and downstream supporting requirements of the industry, we will introduce enterprises such as agricultural product pretreatment, cold chain logistics, packaging and printing, and e-commerce to promote the optimization and upgrading of production factors and form a number of competitive advanced manufacturing clusters.

Encourage local specialty food leading enterprises to play the role of the main engine of the industrial chain, strengthen scientific and technological innovation, vigorously carry out brand and channel construction, give play to the collective radiation effect, drive the development of upstream and downstream small and medium-sized enterprises, and improve the efficiency of resource allocation. Strengthen the cultivation of specialized and innovative small and medium-sized enterprises in the field of local specialty foods, guide all kinds of growth enterprises to deepen market segments, strengthen division of labor and cooperation, enlarge and strengthen products and brands in professional fields, and create a good industrial ecology for the development of large, medium and small enterprises.

Support traditional superior food producing areas to build characteristic leading product trading centers and wholesale markets, and encourage the establishment of intermediary organizations such as industry associations and industry alliances to expand the influence of local specialty foods. Strengthen the construction of a public service platform integrating process technology research and development, testing and certification, and personnel training, improve the infrastructure such as power supply, water supply, gas supply, solid waste and sewage treatment in producing areas, and support the high-quality development of traditional advantageous producing areas. Strengthen the construction of cold chain logistics facilities for agricultural products such as pre-cooling, storage and preservation, and fill in the shortcomings of "the first mile" of food raw materials.

With the help of national key R&D plans and other scientific and technological resources, we will carry out research on the mechanism of nutritional components, physiological functions and component structure changes in local specialty foods, and accelerate the research and development of common key technologies such as nutritional targeting design, flavor quality modification, efficient extraction and separation of functional components, and adaptive transformation of processing technology. Strengthen the popularization and application of practical technologies such as ultra-fine grinding, rapid enzyme inactivation, energy-saving quick freezing and modified atmosphere preservation. Deeply practice the "big food concept" and increase the development of new food resources.

促进全自动高速无菌灌装、智能温控蒸煮、数控高密度发酵、微波灭菌、超高压非热杀菌等现代食品加工工艺装备推广应用。整合地方特色食品企业、装备制造企业和科研院所力量，构建关键技术装备创新应用联合体，逐步提升重要装备供给能力。支持企业大力开展技术改造，积极应用首台（套）重大技术装备等，不断提升工艺装备水平。

3. Promotion and application of industrial design

Give full play to the role of industrial design in empowering the local specialty food industry, accelerate the penetration into product research and development, processing and manufacturing, design and other aspects, promote the deep integration of product design with Chinese traditional craft culture, and effectively enhance the added value, competitiveness and brand influence of products. In-depth implementation of the relevant standards and requirements to limit excessive packaging of goods, and practice the concept of simple, moderate and green development of food packaging design.

Support local specialty food production enterprises to establish and improve the food safety management system, equip with food safety management personnel, strictly manage suppliers, check incoming goods, control production process, and conduct factory inspection, and regularly carry out food safety self-inspection. Encourage enterprises to meet the requirements of good production practices, implement GB/T 19000 series quality management system, ISO22000 food safety management system, hazard analysis and critical control point (HACCP) system certification, strengthen the training of advanced quality management standards, and establish a whole chain quality and safety risk prevention system. Encourage enterprises to implement the national standard of credit management system and establish the whole life cycle traceability system of local specialty foods.

Encourage local specialty food enterprises to strengthen the application of quality and safety control technologies, instruments and equipment such as raw material pretreatment, processing and manufacturing, packaging and sterilization, accurate identification and elimination of foreign bodies, and automatic quality perception, so as to improve the ability and level of inspection and quality and safety risk prevention. Encourage the establishment of local specialty food manufacturing innovation centers, national industrial measurement and testing centers, national market supervision key laboratories and technological innovation centers.

Establish a whole-process supervision system from the breeding, production and processing of agricultural raw materials to circulation and consumption. Strengthen the supervision and inspection of local specialty food production enterprises, urge enterprises to strictly implement the main responsibility of food safety, and prevent food safety risks such as raw material pollution. Strengthen daily supervision and sampling monitoring, and intensify supervision and rectification of enterprises whose quality and safety are not up to standard. Strengthen the food safety emergency response capacity of traditional superior food producing areas, improve the emergency response mechanism, and establish and improve the product quality and food safety information release system.

Promote the innovation and development of time-honored brands in the food field, promote the integration of intangible cultural heritage, historical culture, festival culture, folk culture and other elements into local specialty food brands, and encourage enterprises to reasonably combine Chinese traditional food production techniques with modern food production technologies. Excavate the historical origin of local specialty foods, tell the stories of local specialty foods well and show the unique "taste" of local specialty foods by means of short videos, micro-movies, series of books, museums and archives construction.

Support the registration of collective trademarks in traditional superior food producing areas, accelerate the cultivation of regional public brands, guide enterprises in producing areas to actively use them, and enhance the brand image of producing areas. Encourage local specialty food production enterprises to develop green, organic and geographical indication agricultural products, implement the certificate system for edible agricultural products, and enhance brand influence. Encourage traditional superior food producing areas to establish professional service institutions for brand operation, strengthen the publicity of brand cultivation management system standards, improve the brand value evaluation system, and provide strong support for local specialty food brand building.

Encourage traditional superior food producing areas to hold professional exhibitions, expositions and trade fairs of local specialty foods, promote featured leading products through design competitions, tasting meetings and other forms, and enhance brand influence and reputation. Guide local specialty food manufacturers to participate in activities such as "China Brand Day", "Intangible Shopping Festival", "Eating Goods Festival", "National Tour" and "Entering Famous Stores", and intensify publicity and promotion. Support local specialty foods to explore the international market.

1.α Green, Low Carbon and Safe Development

Support local specialty food production enterprises to create green factories, accelerate the application of water-saving, energy-saving and grain-saving processing technology and equipment, promote the application of clean and efficient manufacturing technology, and improve the processing conversion rate. Encourage the development of circular economy in traditional superior food producing areas, strengthen the secondary development of processing by-products such as fruit and vegetable skin residue, grain and oil bran meal and animal bone blood, and improve the comprehensive utilization level of resources. Strengthen the prevention and control of air, water, soil and solid waste (white garbage) pollution to ensure the safety of ecological environment and food. Strictly implement the main responsibility of enterprise safety production and improve the level of intrinsic safety.

2. Digitalization and intelligence level

Promote the deep integration of modern information technologies such as 5G, industrial internet and big data with the whole industrial chain of local specialty foods, and promote the digital development of raw material collection, production and processing, warehousing and logistics. Promote digital R&D design, promote process reengineering, forge a number of digital workshops, 5G fully connected factories and intelligent factories, realize flexible production and intelligent manufacturing, accelerate product iterative updating, and improve the adaptability between supply and demand.

Support enterprises to consolidate cooperation with traditional channels such as supermarkets, convenience stores and community fresh food, strengthen the production and marketing docking with large-scale e-commerce platforms, deepen the omni-channel layout of production, circulation, sales and service, and realize the deep integration of online and offline diversified formats. Scientifically build a digital prediction model of local specialty food consumption demand, analyze consumption preferences in different regions and future consumption trends, and guide the upstream and downstream of the industrial chain to rationally allocate R&D, manufacturing and marketing resources to better meet the consumption demand of local specialty food.

Encourage traditional superior food producing areas to expand the industrial chain of local specialty foods, strengthen the deep integration of upstream and downstream, and cultivate innovative formats and models. Combined with the breeding base of characteristic agricultural products raw materials, we will develop shared farms, farming experiences, village houses and other formats. We should tap the functions of health, leisure and sightseeing, ecological protection and cultural inheritance of local specialty foods, and guide the integration and development of local specialty food industries with health care, tourism, popular science and entertainment industries. Accelerate the development of local specialty food prefabrication, promote the combination of traditional food production technology and modern food production technology, and launch a number of industrialized products such as Chinese cuisine and local snacks.

Actively create a local food consumption scene that integrates food tasting, cultural creativity, community communication and other functions, and provide diversified consumption experiences such as immersion, experience and interaction. Actively embed the consumption elements of local special foods into consumption scenes and carriers such as night economy, special catering gathering areas and large-scale commercial complexes, so as to widely gather popularity and promote the consumption of local special foods.

Establish a three-level collaborative working mechanism among the Ministry, provinces (autonomous regions and municipalities directly under the Central Government) and cities, strengthen the linkage between the central and local governments, and carry out in-depth cultivation of traditional superior food producing areas and local specialty food industries. Establish an inter-ministerial coordination mechanism to jointly promote industrial development. Encourage all localities to take the development of local specialty food industry as an important measure to promote comprehensive rural revitalization and common prosperity, and strengthen systematic planning and supervision and implementation.

Make full use of existing capital channels to support the technological upgrading, processing equipment transformation and digital transformation of local specialty food production enterprises. Give full play to the role of national production integration as a platform, and guide financial institutions to provide assistance for the development of local specialty food production enterprises. Encourage market-oriented funds to increase support for technological innovation and weak links in the field of local specialty foods. We will steadily push forward the pilot project of verification and deduction of input tax of value-added tax on agricultural products.

充分发挥科研院所、标准化技术组织的专业优势，开展特色食品领域国家标准和行业标准制修订工作。鼓励社会团体和企业制定高于推荐性国家标准和行业标准相关技术要求的团体标准和企业标准。支持地方特色食品生产企业参与国际标准制定与转化。

?#xa0; 完善地方特色食品产业人才培养体系，借助高校、科研院所等资源，培养产业发展亟需的专业人才。结合地方特色食品生产工艺流程特点，开展继续教育和职业培训，形成具有丰富实践经验的高素质技能型人才队伍。鼓励企业与高校联合开展企业家研修培训，培育具备研发设计、生产制造、市场营销等多方面能力的现代企业管理人才。

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工业和信息化部

?#xa0; ?#xa0; ?#xa0; ?#xa0; ?#xa0; ?#xa0; ?#xa0; ?#xa0;国家发展和改革委员会

科学技术部

财政部

生态环境部

交通运输部

农业农村部

商务部

文化和旅游部

国家市场监督管理总局

中国银行保险监督管理委员会

2023年3月16日

May 15, 2020 Source: Zhejiang Provincial Department of Finance Office

　　In order to implement the central and provincial decision-making arrangements on stabilizing foreign trade, and effectively alleviate the impact of the epidemic on the shrinking demand of foreign trade enterprises and the delay of orders, Jinhua Finance Bureau of Zhejiang Province assisted the epidemic prevention and control headquarters to issue Several Opinions on Supporting Foreign Trade Enterprises to tide over the difficulties, helping foreign trade enterprises to further improve their coping ability and fully stabilize the basic market of foreign trade.

　　First, increase financial support.Innovate financial financing services, set up "Jin Mao Xin Rong" financing business, provide foreign trade enterprises with mortgage-free loans under export credit insurance by means of "policy credit guarantee+bank credit+policy financing guarantee", raise the risk tolerance of "Jin Mao Xin Rong" business to 5%, and implement separate assessment of due diligence exemption to help foreign trade enterprises broaden financing channels and reduce financing costs. Encourage financial institutions to actively strive for policies, give preferential interest reduction and exemption to foreign trade enterprises that are greatly affected by the epidemic, and encourage the development of supply chain financial products such as orders, warehouse receipts and accounts receivable financing.

　　Second, increase the support of credit insurance.Reduce the insurance cost of small and micro enterprises, and the insurance premium rate of small and micro enterprises will drop by 30%. We will increase the intensity of premium subsidies, and increase the proportion of premium subsidies for enterprises to insure their own export credit insurance from 50% to 70%. Expand pre-export insurance coverage, relax acceptance conditions, improve product support, and help enterprises reasonably share the losses caused by overseas buyers’ cancellation of orders. Speed up the settlement of claims, further shorten the time of fixed loss and compensation for claims affected by the epidemic, and make fixed loss and compensation within 1.5 months on the premise that the trade is true and the amount of creditor’s rights is determined. Enterprises are encouraged to reduce trade risks by investigating the credit of foreign buyers, and the credit investigation fees for small and micro enterprises are uniformly reduced by 30%.

　　Third, increase participation support.Vigorously support foreign trade enterprises to participate in overseas exhibitions, and increase the subsidy ratio of booth fees for enterprises to participate in overseas exhibitions to 80%; If the enterprise has paid the booth fee but failed to participate due to the epidemic, it will be subsidized according to the participation standards. Support enterprises to participate in online exhibitions, build a "Jinhua Digital Foreign Trade Service Platform", and help enterprises explore the market through "online" channels. Enterprises participating in online exhibitions organized by the Municipal Bureau of Commerce and the Council for the Promotion of International Trade (ICC) will be fully subsidized for the participation fees. Encourage enterprises to actively meet foreign demand, produce products according to relevant international standards, and expand the export of epidemic prevention and control materials such as masks and protective clothing and daily necessities.

　　Fourth, increase cross-border e-commerce support.Encourage traditional foreign trade and manufacturing enterprises to use cross-border e-commerce platforms to export and sell products with independent overseas brands. For foreign trade production enterprises that have newly settled in the third-party platform of cross-border e-commerce, the platform registration fee and service fee will be supported. Support promotion fees for enterprises that use cross-border platforms such as Alibaba International Station to develop cross-border business. Encourage the use of overseas warehouses to carry out international business, and provide rental fee support to enterprises that lease overseas warehouses to carry out cross-border e-commerce business. Intensify training, implement the "Thousands of Talents" plan in cross-border electronic commerce, encourage counties (cities, districts) to set up training camps in cross-border electronic commerce, and sink training services to all towns (streets) in the city.

　　Fifth, give play to the role of the "righteous new Europe" channel."Yixin Europe" train capacity gives priority to ensuring the cargo transportation of production enterprises with disjointed industrial chains, and helps foreign trade enterprises that are greatly affected by the epidemic to resume import and export business as soon as possible. Give full play to the role of export channels, guide foreign trade enterprises to export medical care, production materials and daily necessities needed to fight the epidemic to Europe through the "Yixin Europe" train, and ensure the smooth industrial chain and supply chain between China and Europe.

　　Six, support enterprises to export to domestic sales.Encourage foreign trade enterprises to export to domestic market, try their best to explore the domestic market, actively participate in domestic exhibitions and effectively build domestic sales channels. Encourage foreign trade enterprises to build their own brands for domestic sales, find domestic brand OEM, carry out domestic industry consolidation and optimize allocation. Support insurance institutions to create receivables insurance for export enterprises to sell domestically, and encourage bank legal person institutions to provide special financing products for export enterprises to sell domestically.

　　Seven, increase the intensity of legal aid.Strengthen the collection and release of foreign trade barriers and other related information, and carry out targeted early warning and assistance work. Give play to the role of foreign trade warning point and foreign trade legal service lawyers group, and carry out accurate legal services by means of online training and online answering questions. Actively assist foreign trade enterprises affected by the epidemic situation to breach contracts or cancel orders, and support foreign trade enterprises to safeguard their rights and interests through commercial mediation and arbitration.

　　8. Optimize export customs clearance services.Simplify the registration or filing procedures of enterprises. Except for the change of enterprise name, the change of other registration information can be handled after the epidemic is over. Optimize pre-export supervision, provide convenient license issuing services, speed up the examination and approval process of export filing enterprises, further simplify customs cargo inspection operations, and realize "no meeting and less contact" between customs inspection and consignors. Further improve the efficiency of customs inspection, and ensure the smooth clearance of export goods purchased by the market, especially epidemic prevention and control materials. We will further promote customs clearance facilitation reforms such as "two-step declaration" and "two-step access" and implement 24-hour appointment customs clearance for import and export goods. Support enterprises to choose various modes independently, such as two-step declaration, declare in advance, summary declaration and guaranteed release, so as to realize fast customs clearance of import and export goods. Self-service printing will be fully implemented for 15 customs export certificates of origin. During the period of epidemic prevention and control, if the samples drawn from the system within the jurisdiction need to be sent to the laboratory for testing, they can be sampled by the customs at home. For the materials imported by enterprises related to epidemic prevention and control, which involve the regulatory requirements of license documents and the procedures of tax reduction and exemption, if they are declared within 14 days from the date of issuance of the Certificate of Tax Exemption for Imported Goods or relevant license documents (certificates), they will be exempted from the delay payment.

　　Nine, optimize foreign exchange financial services.For foreign trade enterprises affected by the epidemic, we will open up a "green channel" for foreign exchange management and cross-border RMB business, and specialize in foreign exchange and cross-border RMB business related to the epidemic. Implement cross-border trade and investment facilitation measures, optimize the foreign exchange business environment, and facilitate foreign trade enterprises to handle foreign exchange and cross-border RMB business. For enterprises whose exports are affected by the epidemic, the time limit for collecting foreign exchange for export shall be relaxed. We will provide 100% on-site service to key foreign-related enterprises, and provide targeted services in exchange rate risk avoidance and cross-border financing to enhance the market competitiveness of foreign trade enterprises.

　　X. Optimize and innovate export tax rebate services.Further accelerate the progress of export tax rebate and implement "non-contact" tax rebate. During the epidemic prevention and control period, all taxpayers’ declaration of tax refund (exemption) for all export goods and services and cross-border taxable activities can be handled by submitting electronic data online by the Electronic Taxation Bureau. For export tax refund (exemption) matters that need on-the-spot verification, such as tax refund for the first time, according to the principle of "tolerance", the tax refund shall be reviewed first within the limit. Matters that taxpayers really need to issue paper certificates can be served by mail.

one、The 301st batch of new cars was publicized, and 168 new energy vehicles were declared [read the original]

On October 16th, the Ministry of Industry and Information Technology publicly declared the new products of the Announcement of Road Motor Vehicle Manufacturers and Products (the 301st batch), and declared 168 models of new energy automobile products from 84 enterprises, including 156 models from 82 enterprises, 4 models from 4 enterprises and 8 models from 4 enterprises.

Source: First Electric Network

2、The Ministry of Industry and Information Technology released the list of smart manufacturing pilot demonstration projects in 2017, and seven new energy vehicle projects were listed [read the original]

On October 16th, the Ministry of Industry and Information Technology released the list of smart manufacturing pilot demonstration projects in 2017, including 17 automobile projects, including 5 pilot demonstration projects of new energy vehicle power battery smart factory and 2 pilot demonstration projects of intelligent manufacturing of lithium titanate materials.

Source: First Electric Network

3、Guangdong Province solicited opinions on the new energy vehicle policy, which will be implemented by 50% of the state subsidy in 2017 [read the original].

Recently, Guangdong Province issued the "Provincial Financial Subsidy Policy for the Promotion and Application of New Energy Vehicles (Draft for Comment)", which stipulates that consumers (including units and individuals) who purchase new energy vehicles in Guangdong and register and declare at the place of registration shall give comprehensive subsidies for new energy vehicles, and the distribution enterprises shall apply for comprehensive subsidies for local vehicles. Vehicles registered since January 1, 2017 are 50% of the state subsidy; The local subsidy for fuel cell vehicles is not less than 4,500 yuan /kW (calculated according to the rated power of vehicle fuel cells), and the local subsidy does not exceed the national subsidy.

Among them, non-individual users apply for subsidies, and the cumulative mileage of vehicles must reach 30,000 kilometers (except for special vehicles for work); If the mileage is not up to standard, you should apply for subsidies after reaching the standard. The subsidy standards and technical requirements shall be implemented in accordance with the year when you obtain the driving license. Individuals who have applied for subsidies to buy vehicles, and the accumulated mileage has not reached 30 thousand kilometers, shall not be transferred to non-individual users. Before the introduction of this policy, if the transferred vehicles involve non-individual users, the accumulated mileage must reach 30,000 kilometers before applying for subsidies.

Source: First Electric Network

four、The full text of four national standards, such as the interoperability test specification for conductive charging of electric vehicles, was released [read the original]

On October 15th, the national standard full-text disclosure system issued the "Notice on the disclosure of the full text of 36 national standards such as GB 13094-2017". GB/T 34657.1-2017 Electric Vehicle Conductive Charging Interoperability Test Specification Part 1: Power Supply Equipment; GB/T 34657.2-2017 Electric Vehicle Conductive Charging Interoperability Test Specification Part 2: Vehicles; GB/T 34658-2017 Communication Protocol Consistency Test between Off-board Conductive Charger and Battery Management System of Electric Vehicle.

Source: First Electric Network

five、The full text of two national standards, such as "Signs of Control Parts, Indicators and Signal Devices of Electric Vehicles", was released [Read the original]

On October 13th, the national standard full-text disclosure system issued the "Notice on disclosing the full-text of national standards in China National Standard Announcement No.23 in 2017", including GB/T 4094.2-2017 "Signs of operating parts, indicators and signal devices of electric vehicles" (implemented on July 1st, 2019), GB/T 34582-2017 "Solid oxide fuel cells and

Source: First Electric Network

6. Take charge of Beijing’s new energy to build cars and show new forces.

Recently, the surging new energy vehicles have once again sent heavy news. According to reliable sources, Zhang Hailiang, the vice chairman of LeTV, who has been accompanied by rumors of leaving the company, will officially take charge of the electric coffee car as the chairman and CEO. People familiar with the matter said that the reason why Zhang Hailiang chose to take charge of Beijing Electric Cafe was not only optimistic about the future market prospects of new energy vehicles, but also another challenge to his career. In addition to Xiang Dongping, the former executive vice president of VOLVO China, who broke out last week, Niu Shengfu, the former CTO of LeTV, will also join Beijing Electric Cafe. It can be predicted that under the leadership of Zhang Hailiang, electric coffee vehicles will gather more energy and possibilities, making it a powerful promoter of the future pattern of new energy vehicles.

Source: Sohu Auto

7. "Hand in hand" Didi develops the electric network car market.

On October 15th, Qingdao TELECOM New Energy Co., Ltd. (hereinafter referred to as TELECOM) and Beijing Didi Wireless Technology Development Co., Ltd. (hereinafter referred to as Didi) signed the Strategic Cooperation Agreement. Although specific projects have not been determined, it has created opportunities for TELECOM to improve the charging business layout of the car in the automobile charging network industry chain and expand the car market in the electric network.

Source: Geshi Automobile

8. Fully access the "new national standard" and customize the charging interface for China users.

On October 16th, Tesla announced that it would launch the models with charging interfaces in line with the "New National Standard" (GB/T20234-2015) to the Chinese mainland market. Tesla will fine-tune the body of new models sold to Chinese mainland to adapt to the change of charging interface, and all Tesla models made in China will be equipped with new national charging interfaces in the future.

Source: First Electric Network

9. Changjiang Automobile signed an order for 500 electric buses with Sino-Chongqing International Strategic Cooperation.

On October 11th, after three months of communication and negotiation, Chongqing International and Changjiang Automobile reached a comprehensive cooperation consensus on pure electric buses, and the two sides held the first batch of 500 order signing and 30 delivery ceremony in Hangzhou. The Internet financial platform, Rongwang, will provide full-process financial service support.

Source: car watcher

10. The monthly output of Qingdao Laixi Base exceeded 10,000 vehicles for the first time.

A few days ago, good news came from Beiqi New Energy Qingdao Industrial Base in Jiangshan Town, Laixi City, Qingdao. The 10012th car produced in September drove off the final assembly line, and Qingdao Base became the first manufacturing center to break through the monthly output of 10,000 vehicles in the domestic new energy automobile industry.

Source: china industry news.

11. Invest 12.5 billion yuan to produce 20GWH ternary lithium battery Nissan battery China headquarters and production base settled in Zhenjiang.

On October 15th, Nissan Battery China headquarters and production base with a total investment of 12.5 billion yuan signed a contract to settle in Zhenjiang New District. Nissan Battery’s China headquarters and production base are invested and constructed by Jinshajiang Capital, with a total investment of 12.5 billion yuan and fixed assets investment of 10 billion yuan. After the production of Zhenjiang base, the capacity of 20GWH ternary lithium battery can be formed. It is estimated that taxable sales will reach 20 billion yuan and profits and taxes will reach 4 billion yuan.

Source: Yangzi Evening News

12. Shell is suspected of acquiring charging operators to settle in the new energy field.

Royal Dutch Shell Group of Companies recently announced that it plans to acquire New Motion, an operator of electric vehicle charging stations, which has more than 30,000 electric vehicle charging points in Western Europe. Shell will systematically serve new energy vehicles by adding fast charging devices to gas stations and arranging more ordinary charging devices in workplaces and residential areas. It is expected that in the next few decades, the station will still provide new energy and fuel energy for consumers to choose.

Source: Pacific Auto Network

13. Guoen shares joined hands with Teruide to enter the new energy vehicle charging industry.

On October 15th, Qingdao Guoen Technology Co., Ltd. and Qingdao Teruide Electric Co., Ltd. signed the Comprehensive Strategic Cooperation Agreement. The two parties cooperated in the fields of nonmetallic materials, structures, protection and environmental control systems of box-type substations and charging piles, and Teruide designated Guoen as the sole supplier in the above fields at a reasonable market price. The two sides carried out joint technological innovation and product research and development in the fields of box-type substation and appearance structure of charging piles, and formed a comprehensive strategic cooperative relationship through in-depth cooperation of products and technologies.

The two sides jointly discussed cooperation in the new energy vehicle industry chain in the form of industrial fund investment and direct equity investment: the two sides discussed the establishment of a new energy vehicle industry fund, mainly to invest in new energy vehicle charging infrastructure projects; Guoen Co., Ltd. and Tektronix, a wholly-owned subsidiary of Tektronix, jointly set up a joint venture company or increase the capital of Tektronix’s subsidiary to participate in the construction, operation and value-added services of new energy vehicle charging infrastructure.

Source: First Electric Network

14. Samsung SDI Tianjin Battery Factory is insolvent and the local state-owned party intends to transfer its equity.

On October 15th, Tianjin Property Rights Exchange Center showed that Samsung SDI and Tianjin Zhonghuan Electronic Information Group Co., Ltd. (hereinafter referred to as Tianjin Zhonghuan) and Tianjin Economic and Technological Development Zone State-owned Assets Management Company (hereinafter referred to as Economic Development Zone State-owned Assets) held 50%, 30% and 20% of the shares of Samsung Tianjin Battery respectively.

In this transfer, Tianjin Zhonghuan and Economic Development State-owned Assets transferred 10% and 20% of the shares respectively, and the reserve price of the transfer was 11.8103 million yuan and 23.6206 million yuan respectively, and other shareholders gave up the priority right of transfer. The reserve price of the 10% equity transfer of Samsung Tianjin Battery is only less than 1 million yuan higher than the 10,845,300 yuan subscribed by the 10% equity when the company was established.

Source: national business daily.

15. Beiqi New Energy EC180/200 pushes customized packages.

Recently, Beiqi New Energy EC series (including EC180 and EC200) will add customized packages in appearance and interior, and its price will increase by 2,000 yuan on the basic selling price of EC series models. In addition to these two colors of orange and blue, Beiqi New Energy will launch a customized version according to users’ preferences in the future, providing users with more diverse choices. According to different matching of users, the price may be different.

Source: car home.

16. Dongxu Optoelectronics: Graphene LED lights will be used for new energy buses and cars.

Dongxu Optoelectronics (000413) said on the interactive platform on the afternoon of October 16 that the company’s graphene LED lights will be used in new energy buses and cars to improve cruising range, reduce charging time and reduce electricity bills. At the same time, the lamp integrates many kinds of sensors and control units, which can be interconnected with Mingshuo technology smart street lamp to realize many functions such as accurate navigation, road warning, variable color temperature and so on.

Source: China Fund.

17. Hainan’s first new energy vehicle operation and service base settled in Sanya.

On the afternoon of October 15th, the signing ceremony of the first new energy vehicle operation and service base in Hainan Province jointly built by Guangwu Real Estate Group and BAIC Group was held at the Ritz-Carlton Hotel in Yalong Bay, Sanya. The new energy vehicle operation and service base is expected to be put into operation before the Spring Festival, and it will be the largest and only new energy vehicle operation and service base in Hainan Province.

Source: Sanya, China

　　"Build a 100-billion-level AI (artificial intelligence) large-scale model technology system, create financial image character recognition products, and realize batch credit granting and digitalization of the whole process after lending …" In the 2023 annual report published by listed banks, in addition to the business performance indicators that have attracted much attention from the market, the financial technology investment of many banks increased year-on-year, the digital transformation and upgrading progressed steadily, and the exploration of large-scale model technology research and development and application scenarios increased significantly, laying a solid foundation for writing a big article on digital finance.

　　Digital transformation has achieved initial results.

　　The disclosed annual reports of listed banks in 2023 show that more than half of the banks have achieved a year-on-year increase in financial technology investment. From the perspective of the "big four banks", the investment amounts of Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank in 2023 reached 27.246 billion yuan, 24.85 billion yuan, 22.397 billion yuan and 25.024 billion yuan respectively, up by 3.9%, 7.06%, 3.97% and 7.45% year-on-year.

　　In terms of joint-stock banks, in 2023, two banks invested more than 10 billion yuan in financial technology. China Merchants Bank invested 14.126 billion yuan in science and technology, although it decreased slightly by 0.3% year-on-year, but it is still the institution with the largest amount of investment among joint-stock banks. CITIC Bank’s investment in financial technology reached 12.153 billion yuan, up 38.91% year-on-year, and it was the listed bank with the largest year-on-year growth.

　　"As a key force to promote the digital transformation of banks, financial technology is in an important strategic position in most listed banks. However, at present, the development of digital technology itself and its application in the financial industry require more research and exploration, and it is necessary to increase investment in financial technology. " Lou Feipeng, a researcher at China Postal Savings Bank, said that it is of positive significance for the banking industry to accelerate the digital transformation by increasing investment, so as to enhance its own market competitiveness and service level.

　　With the increasing investment in financial technology, many banks have made remarkable achievements in the digitalization process in 2023, especially in the key field of scene construction.

　　According to the annual report of ICBC, around the goal of "Digital ICBC", we will speed up the construction of a digital financial service system that is compatible with the modern economic system, and innovate a new model of digital financial development with the main line of building a platform, improving capabilities, expanding scenarios and building ecology. In 2023, digital business accounted for more than 99%. Relying on corporate online banking and mobile banking, we will build a digital financial service platform that integrates e-cloud, and launch services such as specialized and special new service areas and Pratt & Whitney areas for exclusive customers to provide customers with ecological services that cover the integration of financial and business scenarios.

　　China Merchants Bank increased its investment in science and technology, comprehensively promoted digital remodeling around online, data-based, intelligent, platform-based, ecological and so on, gradually established an ecological circle of financial services, and explored the application of artificial intelligence scenarios. Intelligent applications have replaced more than 17,000 full-time manpower in intelligent customer service, process intelligence, quality inspection, conch RPA+ (robot process automation) and other scenarios.

　　Many banks mentioned in their annual reports that they should improve their technology and finance system by optimizing their organizational structure. For example, Industrial Bank set up a digital operation department, actively explored new modes of digital operation, and strived to get through the "last mile" from digitalization to productivity; China Postal Savings Bank optimized and adjusted the organizational structure of the information technology section of the head office, and renamed the Information Technology Management Committee under the senior management as the Financial Technology Committee; Reorganize the Information Technology Management Department and the Financial Technology Innovation Department into the Financial Technology Department; Rename the data center as an operational data center, promote the transformation of science and technology governance structure, and strengthen the overall leading role of information technology.

　　Accelerate the application of large model technology

　　In 2023, with the big model tsunami wave set off by ChatGPT sweeping the world, AI big model technology has become the focus of exploration and layout in many industries, and banking is no exception.

　　The reporter noted that six large state-owned banks and a number of joint-stock banks such as CITIC, China Merchants and Xingye disclosed the research and development and application of the big model field in the 2023 annual report. AI big model technology may become an "accelerator" for the digital transformation of financial institutions.

　　China Construction Bank mentioned in its annual report that it will continue to strengthen research on key core technologies. Independent research and development of artificial intelligence platform, and form a comparative advantage in the fields of computer vision and intelligent voice, and implement the "Ark Plan". The big data platform covers over 30,000 physical nodes, and the foundation of data governance is further consolidated. The annual report of Agricultural Bank of China revealed that relying on the artificial intelligence innovation laboratory, the functions of pre-research and incubation of large-scale model technology, online answer recommendation of customer service knowledge base and auxiliary search of knowledge base were accelerated.

　　CITIC Bank has built a CITIC big model platform with integrated software and hardware, completed the deployment of a 100 billion-level open source big model, and explored scenarios such as landing code generation and intelligent operation. China Merchants Bank seized the opportunity of certainty of the big language model to develop the construction and application of the big language model. On the one hand, we actively strengthen the construction of large models, introduce large models with 100 billion parameters, tune, train and adapt the scenes in the industry with our own corpus, follow up the development of open source large model technology, and develop large models with 100 billion parameters in professional scenes. On the other hand, explore the application of big model in retail, wholesale, middle and back office. At the same time, build a large model experience platform, access to a number of domestic mainstream large models.

　　In the view of Wu Dan, a researcher at China Banking Research Institute, at present, banks have increased their application and exploration of big model technology, and strengthening their customer service capabilities with financial technology empowerment is conducive to enhancing the core competitiveness and customer attraction of banking business. In the context of the current narrowing of net interest margin, it is also beneficial for banks to accelerate the pace of digital transformation and enhance their non-interest business capabilities such as smart investment and care, and to seize market share and enhance profit margins.

　　"The smart big model has strong data capture, text understanding and calculation and analysis capabilities, which can improve the existing service quality and efficiency of banking institutions on the basis of deeply tapping the potential value of big data." Wu Dan said that it is very important for the banking industry to accelerate the research, development and application of technologies in the field of big models, which is also the key link to do a good job in digital finance.

　　Broad space for development

　　In recent years, financial management departments have promoted the digitalization process of China’s financial industry as a whole, and taken various measures to encourage the innovation and application of financial technology to enhance the efficiency of financial services to the real economy. In January 2022, the People’s Bank of China issued the Financial Science and Technology Development Plan (2022-2025), which proposed to promote the digital transformation of finance with high quality and improve the modern financial system adapted to the development of digital economy.

　　On January 26th of the same year, the former General Office of China Banking and Insurance Regulatory Commission, China issued the Guiding Opinions on the Digital Transformation of Banking and Insurance Industry, proposing that by 2025, the digital transformation of banking and insurance industry will achieve remarkable results. Digital financial products and services have been widely popularized, financial innovation based on data assets and digital technology has been practiced in an orderly manner, the development ability of personalized, differentiated and customized products and services has been significantly enhanced, and the quality and efficiency of financial services have been significantly improved.

　　In the field of securities, in June, 2023, China Securities Industry Association issued the Three-year Improvement Plan for Network and Information Security of Securities Companies (2023-2025), encouraging qualified brokers to make full use of new technologies to actively promote the construction of a new generation of core systems and carry out the transformation and upgrading of the technical framework of core systems, and clearly stated that the average investment in information technology of brokers should not be less than 10% of the average net profit or 7% of the average operating income from 2023 to 2025.

　　Experts believe that under the background of the new round of scientific and technological revolution and the in-depth development of industrial transformation, deepening digital transformation is an inevitable choice for the financial industry to practice the innovation-driven development strategy. Under the continuous guidance of policies, financial institutions will continue to increase the exploration of digital applications represented by large-scale model technology.

　　The Report on the Application of Generative AI in Financial Industry in 2024 jointly released by Tsinghua University Institute of Economics and Management and Du Xiaoman shows that financial institutions can carry out more product innovation, provide more effective credit support, underwriting claims and market financing for the real industry, release huge financial data value, improve the financial service level of the real economy, and promote the innovative development of financial institutions themselves, and move towards the ranks of powerful financial institutions.

　　For the banking industry, Wu Dan suggested that the digital transformation of the banking industry should focus on intelligent, personalized, universal and other key directions. Using AI technology to accurately identify customer needs and provide flexible and diverse personalized services is conducive to improving customer experience and customer stickiness. Use financial technology to extend financial inclusiveness and provide more convenient financial services for small and micro enterprises at a lower cost.

　　"It is expected that the banking industry will make better use of data elements, improve the infrastructure of digital finance development, enrich the application of digital finance scenarios, and increase the exploration and practice of digital finance development security, so that digital finance can empower technology and finance, green finance, inclusive finance and pension finance to better meet economic and social development and people’s demand for high-quality financial services." Yan Feipeng said. (Economic Daily reporter Ma Chunyang)

Image source: the idea of the worm

During the global COVID-19 epidemic, the e-commerce market in almost all European countries showed a very significant growth trend. Although the epidemic situation in Europe has been obviously controlled and offline physical commerce has picked up, with the impact of another wave of epidemic outbreaks after winter, many places in Europe have been blocked again, and the level of physical shopping is still not optimistic.

How can we target customers? This requires you to have a certain understanding of the characteristics of overseas customers and the development of overseas e-commerce, and on this basis, master the way to search for overseas target customers. Next, let’s take stock of the e-commerce market trends in various countries around the world.

I. Russia

Market overview:

The characteristics of Russian Internet are: late start, rapid development, and large age span of net names. Russian netizens are mainly distributed in Moscow and St. Petersburg. Due to the lack of large clothing stores and incomplete clothing models, the online purchasing power of medium-sized cities is relatively high. Female users account for 60%, mostly aged from 25 to 38. They buy a variety of goods, among which clothing and shoes are more popular.

Demand characteristics:

The temperature difference is large and it is cold in winter. Commodities such as hats, gloves, scarves, long fur coats and short fur coats are necessities of life.

Russians love sports, and sports are an indispensable part of life, which leads to the hot sale of sports goods.

Be infatuated with holidays. The beach is the first choice for Russians to spend their holidays, so the articles needed for beach holidays, such as swimsuits and sandals, are selling well.

Russians are tall, and there is a great demand for large-size clothes.

Price accounts for a large proportion in Russian online shopping decisions, and the price factor is very important. The quality and brand of goods are equally important to them.

Second, Brazil

Market overview:

Brazil is an emerging market for cross-border e-commerce competition, mainly due to its good e-commerce infrastructure, rapid development of logistics and payment platforms, and its vast territory. In recent years, the Brazilian government has made great efforts to build e-commerce infrastructure, which has accelerated the development of e-commerce.

Demand characteristics:

Characteristics of buyers: The buyers in Brazil are basically white-collar workers, aged 25-36, with college education or above, medium English level and 3-4 years of cross-border online shopping experience.

Demand preference: For Brazilian buyers, cheap price and fashionable style are the most important. Category preference is clothing, accessories, shoes and bags, beauty products, toys and 3C accessories.

Style preference: Brazilian buyers love American country style and simple style, like tight-fitting and figure-showing clothes, and like exaggerated and colorful accessories. They pursue the texture of goods, and sellers should pay attention to the effect of pictures.

III. Spain

Market overview:

Whether it is domestic e-commerce or cross-border electronic commerce, Spain is the most potential country in Europe. Spanish consumers are more inclined to shop online than in physical stores. More than half of Spanish online consumers have the experience of shopping from foreign online stores, making Spain a profitable cross-border e-commerce market.

Demand characteristics:

Characteristics of the buying crowd. The ratio of male to female buyers in Spain is average, and the age of buyers is concentrated between 16 and 34 years old, mainly students and office workers. Spanish buyers do not have a very high ability to pay, so they are more concerned about the price of goods.

Shopping habits. Most Spanish buyers are used to browsing and shopping on their desktops, and they mostly buy goods through keyword search. Before buying, they will compare the prices of the whole station and refer to the favorable comments.

Special needs. In selling goods in Spain, sellers must attach a size table to clothes and other goods in addition to complete sizes.

Fourth, France

Market overview:

France is a big trading country in the world, and its total import and export volume ranks fifth in the world. At the beginning of 2016, the growth rate of total e-commerce sales was 10 times that of French business as a whole. Since 2015, the number of people using mobile phones to shop online in France has increased rapidly. Now, 72% of the goods sold by e-commerce are sold through mobile terminals.

Demand characteristics:

Time of purchase. Because of Christmas, November and December are the hottest months for e-commerce sales. Usually, 63% of the French will shop online during this period.

Demand category. Due to the relatively developed tourism industry in France, what the French buys most online are tourism, services, culture and clothing.

Purchase interface preferences. The product details page should pay attention to the richness of the pictures in addition to the French copy in the pictures.

V. Britain

Market overview:

The British government has always supported the development of e-commerce, so British e-commerce is in the leading position in European and American countries. Britain, Germany and France are the most popular import destinations for cross-border electronic commerce in Europe. Such a good development trend of e-commerce in the UK is due to the increase in the Internet access rate of the British public and the improvement of Internet access conditions. In terms of the price and choice of Internet access services, the UK is more competitive than most other European countries.

Demand characteristics:

Price. British consumers will spend a lot of time comparing the same type of goods. In most cases, the price of goods is the decisive factor in their marketing purchase behavior.

Demand preference. With the acceleration of product updating, social media and fashion shows can always trigger fashion trends and product demand. At the same time, members of the British royal family also play a significant role in promoting the sales of fashion goods.

Sixth, the United States

Market overview:

The United States is the earliest and fastest developing country of e-commerce in the world, and its e-commerce application field and development scale are ahead of other countries. The United States has the largest number of large-scale e-commerce platforms in the world, and the user activity of the platforms is also the highest in the world. The main reason is that the good infrastructure and sufficient consumer groups in the United States make the online B2C sales in the United States show a steady upward trend. The United States has a strong Internet economy, more individuals are willing to integrate into this economic system, and local netizens have a very strong sense of sharing and innovation, so the sales of C2C are also increasing year by year.

Demand characteristics:

Consumption habits. Americans basically don’t save money and like to overdraw.

Living habits. Americans live in the present, enjoy life and pay attention to spiritual consumption, such as exercise, fitness, health preservation, tourism and nutrition. Americans will spend a lot of money on fitness, outdoor sports, health care and nutrition. Therefore, the market of fitness products and outdoor products in the United States is hot, and key products are selling well. This is closely related to the living habits of Americans.

Brand demand. Americans attach great importance to brands. Americans believe that brands are the guarantee of quality. They would rather choose high-priced brands than cheap goods without brands. Packaging occupies a large proportion in the hearts of Americans. In their eyes, the quality of packaging and goods is equal. Good goods must have good packaging, otherwise there will be a gap in their shopping experience.

VII. Germany

Market overview:

Germany is the fifth largest e-commerce market in the world and the second largest e-commerce market in Europe. Its Internet penetration rate (93%), the proportion of online shopping consumers (83%) and the average online shopping expenditure (1355) are higher than the European average. Whether it is the number of online buyers or the average annual cost of each buyer, Germany’s ranking is higher than the European average. Its market features mainly include: broad market growth, high consumption level, supporting force, perfect logistics system guarantee experience, customers’ pursuit of quality and high profit rate.

Demand characteristics:

Germans prefer German websites and bank transfers;

Germans prefer German websites and bank transfers: fashion and clothing, electronic products and books are in great demand.

German consumers are keen on online shopping, ranking first in consumer preference with convenient door-to-door service, followed by 24-hour shopping, more convenient online shopping, lower online shopping price, wider choice of online shopping products, easier comparison of goods and smoother online shopping process.

Germans are not impulsive in shopping, and the proportion of consumers who miss physical stores is low.

Eight, Japan

Market overview:

Japan is the third largest economy in the world and the fourth largest e-commerce market. Thanks to the high network coverage in Japan, mobile shopping has become the mainstream. Although it started late in the field of cross-border e-commerce, it has the characteristics of rapid development, high maturity and strong systematization, and has gradually become an important cross-border e-commerce market. Its good development trend has had a profound impact on the surrounding pattern. Moreover, as a world economic power, Japan has undoubtedly become a huge potential consumer market.

Demand characteristics:

High brand loyalty, attention to detail quality;

The network coverage is very high, and mobile phone shopping has become the mainstream;

The purchase behavior is influenced by the season and weather environment (such as rain boots, raincoats, earthquake-proof products);

Enthusiastic about western festivals;

I like to participate in holiday promotion activities.

Preference characteristics:

Toys, hobbies and DIY products;

Furniture and household appliances;

Food and personal care;

Electronic products and media products;

Fashion supplies

(Source: Bean Packet Cross-border Digital Finance)

The above content belongs to the author’s personal opinion and does not represent Hugo’s cross-border position! This article is reproduced with the authorization of the original author, and it needs the authorization and consent of the original author. ?

　　Xinhua News Agency, Shenyang, August 7th Title: Building the "lifeline" of the people — — On-the-spot record of Liaoning’s fight against the rare torrential rain in history

　　Xinhua news agency reporter

　　When the sun shines on the earth again, people hit by torrential rain begin to clean the flooded courtyard, look at the flooded farmland and rebuild their new lives. On the severely damaged rural roads, the fleets, police cars and material supply vehicles of the pontoon bridge troops continue to advance to the key disaster areas … …

　　Since August, Chaoyang, Xiuyan in Anshan, Zhuanghe in Dalian, Yingkou and other places in Liaoning have been hit by torrential rains, and the rainfall in many places has exceeded the historical extreme. Faced with the huge waves, the party committees and governments at all levels in Liaoning Province, the officers and men of the armed police and the grassroots cadres and the masses have mobilized urgently and composed a generous and heroic song of the land of Liaoning.

　　Rainfall in many places exceeded the extreme value.

　　Affected by the remnants of Typhoon No.10, heavy rainfall occurred in Chaoyang, Huludao, Jinzhou and Fuxin in western Liaoning on the 2nd.

　　Late at night on the 2 nd. The building of Liaoning Flood Control and Drought Relief Command Center is brightly lit.

　　The responsible person of Liaoning provincial government led the members of the provincial flood control and drought relief headquarters to pay close attention to the rain and water conditions in various places. On the electronic big screen, satellite cloud pictures and precipitation statistics in various places are displayed in real time. Meteorologists analyze the trend of typhoon and rainfall on the spot. Through the communication system, the headquarters keeps in touch with the main leaders of the city’s defense finger in real time and dispatches on the spot.

　　The heavy rain came as scheduled, accompanied by a gust of 9, and some trees on the roadside were uprooted. According to the statistics of the meteorological department, from the evening of the 2nd to the afternoon of the 3rd, heavy rain fell in more than half of western Liaoning, and local heavy rain occurred. The single-day rainfall in Chaoyang City has exceeded the local historical extreme.

　　On the 3rd, the rainfall in western Liaoning basically ended. Typhoon Haitang has not yet receded, and typhoon Olu will affect Liaoning again. It is predicted that there will be heavy rain in Zhuanghe, Dalian, Xiuyan, Anshan and other places on the night of the 3rd, and local heavy rain will occur.

　　A flood is an order. That night, the Liaoning Provincial Defense Index dispatched and directed various places to urgently transfer people, and meteorological, land and other departments intensively issued the rainstorm and geological disaster warning … …

　　At 3 am on the 4th, the Chamber of Commerce of Liaoning Anti-Finger Association was in an emergency. On the electronic big screen, the rainfall histograms of the 25 towns with the largest rainfall in the province have all turned red. Since then, the rainfall has continued to climb in a straight line, and the rainfall in parts of Xiuyan, Zhuanghe and Gaizhou has reached the level of torrential rain.

　　According to the monitoring of the meteorological department, the maximum daily precipitation in Xiuyan is 317.3 mm, which breaks through the historical extreme; Zhuanghe has the largest rainfall since meteorological records were recorded in 1956.

　　Put people’s life safety first.

　　At 6 o’clock on the 4th, the main leaders of Liaoning Provincial Party Committee and Provincial Government rushed to the Provincial Defense Command Center to hold a meeting on flood control and flood fighting. At the meeting, the person in charge of Anshan Municipal Committee asked for support: the torrential rain caused the road power of eight villages in Xiuyan to be interrupted, and three of them formed islands. The situation was grim, and troops and helicopters were requested for support!

　　"People’s life safety must be put in the first place!" After learning about this situation, the main leaders of the Liaoning Provincial Party Committee and the provincial government immediately led a team to Xiuyan to guide flood control and disaster relief. On the morning of the same day, six helicopters and pontoon troops went to the hardest hit area to rescue the people trapped by the flood and get through the isolated island disaster relief channel.

　　Luquanzi Village in longtan town, a remote Manchu Autonomous County in Xiuyan, was once disconnected from the outside world for 12 hours in this catastrophic flood, and the safety of more than 3,200 people in 20 residential groups in the village touched the hearts of all walks of life. "Almost all the seven bridges that went out in the village were broken." Hu Yingquan, the village party secretary, recalled afterwards.

　　What Hu Yingquan didn’t expect was that after 17: 00 pm on the 4 th, public security, fire fighting and various rescue organizations successively entered the village.

　　Wang Dayong, chief of the training section of Xiuyan County Public Security Fire Brigade, said that at 15: 30 pm on the 4th, 50 fire officers and soldiers from Anshan and Panjin came to support them, carrying rescue equipment, and headed for Lujuanzi Village on foot. The road was interrupted and we had to walk through the cornfields. Fire officers and soldiers are connected by thick ropes in groups of 5, and move forward. "The mud is so deep that I can hardly pull my feet out, and I have encountered several rolling stones." Wang Dayong said that after more than five hours of trekking, the fire officers and soldiers came to the village branch of Luquanzi, which was already in the evening. After arriving at the village branch, they learned that the vast majority of villagers were safe, and there were still two more remote villagers’ groups that were not checked. The rescue team checked these two villagers’ groups overnight to ensure safety, and then withdrew from Lujuanzi Village the next day.

　　Before the rain, Dalian zhuanghe city conducted a thorough investigation on reservoirs, offshore operations, key areas prone to mountain torrents, mudslides and geological disasters, dangerous sections of rivers and various water conservancy projects, closed nine tourist attractions in the city, arranged special personnel to be responsible for the elderly, the sick, the five-guarantee households and the low-guarantee households, and strictly guarded the weak links such as seawalls and moisture-proof dikes to ensure the safety of people’s lives and property.

　　If the flood does not recede, the cadres will not withdraw.

　　According to preliminary statistics, the torrential rain affected 358,000 people in Xiuyan County and 25,000 people in zhuanghe city. The province has transferred and resettled more than 150,000 people.

　　It is better to believe in it than to believe in it; It’s better to believe it’s big than it’s small. This is the principle repeatedly emphasized by Liaoning before this torrential rain. Governments at all levels have built the "lifeline" of the people with responsibility and responsibility.

　　"2-3 days before the rainstorm, all the notices on TV, SMS and WeChat were about to rain heavily. Until the rainstorm, the big speakers in the village kept broadcasting to let us transfer." Wang Shaomin, a 40-year-old villager, said, "On the evening of the 3rd, the village went to the village branch to take shelter from the rain." He recalled that he simply cleaned up and went to the village branch to take shelter.

　　In the early morning of the 4 th, the pouring rain kept falling. "God seems to have missed it." Then, he heard the rumble of mountain torrents. "Fortunately, I came out from home early." Wang Minmin said with emotion.

　　According to the unified arrangements of the Liaoning Provincial Party Committee and the provincial government, before the flood, all cadres at the county level sank to the front line to guide flood fighting and disaster relief. Zhou Hui, secretary of the Disciplinary Committee of Xiuyan County, said: "We demand that all cadres who go to the grassroots level will not retreat from the flood, and the cadres will not withdraw. At present, we must resolutely protect the lives of the people." (Reporter Feng Lei, Sun Renbin, Zou Mingzhong, Zhang Yifei, Cai Yongjun)

CCTV News:According to the website of the Central Meteorological Observatory, the center of the No.4 typhoon "Taili" (a strong tropical storm) this year is located at 9: 00 am today (16th) in the northeast of the South China Sea, about 660 kilometers south-east of Zhanjiang City, Guangdong Province, China, which is 18.9 degrees north latitude and 116.2 degrees east longitude. The maximum wind force near the center is 10 (25m/s), and the lowest pressure at the center is 985 hectopascals.

It is estimated that "Taili" will move northwest to north-north at a speed of about 15 kilometers per hour, and its intensity will gradually increase. It will land on the coast from Taishan in Guangdong to Wenchang in Hainan on the night of the 17th (typhoon level or strong typhoon level, 35-42m/s, 12-14), enter the Beibu Gulf on the 18th, and then move towards the northern coast of Vietnam.

Gale forecast: From 14: 00 on July 16th to 14: 00 on July 17th, there will be 6-7 winds in most parts of the South China Sea, coastal areas of Guangdong, eastern Beibu Gulf, Xisha, Zhongsha, Nansha and Huangyan Island, 8-10 winds in some sea areas in the central and northern South China Sea and near Dongsha, 11-12 winds in the sea areas and islands where the typhoon center passes, and 13-14 gusts.

Precipitation forecast: From 14: 00 on July 16th to 14: 00 on July 17th, there will be moderate to heavy rain in parts of southern and northern Guangdong, Hainan Island, southeastern Fujian, central and southern Jiangxi and southern Taiwan Province Island, among which there will be heavy rain or heavy rain (100-160mm) in Hainan Island, southern Leizhou Peninsula and southern coastal areas of Guangdong.