In Aershan, if the happiness in winter comes from enjoying ice and playing with snow, then soaking in natural hot springs is the secret to double this happiness. The wonderful combination of "ice and snow+hot springs" makes the winter tourism in Aershan glow with unique charm, attracting tourists from all over the world to enjoy a relaxing and pleasant trip to the hot springs.

Aershan, with the highest density of functional mineral springs in the world, has more than 100 hot springs with different temperatures and functions. It is a veritable "hometown of hot springs in China". The hot springs here are famous for their excellent water quality, rich mineral content and unique health care functions. Hot springs here can not only improve human blood circulation, promote metabolism, but also mediate nervous system and relieve joint pain, so they are deeply loved by domestic and foreign tourists.

The China Hot Spring Museum has four seasons like spring.

Walking into China Hot Spring Museum is like being in a tropical botanical garden. Even if it is freezing outside, the museum is still like spring all the year round, full of southern pastoral customs. There are many kinds of hot springs in the hot spring museum, from cold springs to high hot springs to functional hot springs rich in special minerals. Every spring is a unique gift from nature. Hot springs gurgle, and the heat flow is endless, like the pulse of the earth beating. Swim in the meantime, people enjoy it, and at the same time, their body and mind are completely relaxed.

"I am over 70 years old this year. I have been to many places to soak in hot springs, most of which are recreational hot springs. But I feel that the hot springs in Aershan have a particularly good environment. I can calm down and recuperate, and my body and mind have been healed. I have a special liking for it." Hou Huamin, a Tianjin tourist who came here, said.

"Skiing during the day is particularly cool, and it is really comfortable to soak in a hot spring at night." Guangdong tourist Yang Xiu said.

Tourists experience hot springs.

Aershan Hot Springs are not only popular with tourists, but also become a popular choice for study tours. "I saw many hot spring pools with different functions here. Through the explanation of the staff, I also learned new knowledge and learned that hot springs are formed by volcanic eruption and crustal movement." Wu Yu, a primary school student in Shengli, Wulanhaote, said.

The children are at the China Hot Springs Museum.

"The environment here is really beautiful, just like in the tropical rain forest. It’s great to hear birds, have all kinds of entertainment facilities and play with children! " Zhang Ronghui, a 6-year-old tourist from Ulanhot, said excitedly.

Come to Aershan to soak in hot springs this winter! Immerse yourself in the warm spring water in the world wrapped in silver, so that the fatigue will melt and the soul will return to peace. Aershan Hot Spring invites you to share this unique nourishment and comfort! (Zhang Yuyang, Lu Bingjuan)

　　Beijing, February 20 (Reporter Lu Hongqiao) According to the voice of the economy "Tianxia Finance", hot big data is now blooming everywhere, and it has been applied in many industries such as finance, consumption, medical care, transportation and so on, which has exerted great value. In fact, as an inexhaustible "gold mine", big data has many unknown magical uses.

　　NBA teams use big data to train.

　　Anyone who often watches the American men’s basketball professional league, that is, the NBA, knows that the Warriors from California have been doing well in recent years. After the media disclosure, people realized that this team has been training with various big data means. It turned out that the home of the Warriors was near Silicon Valley, and a large number of technology companies took the initiative to find the door and provide black technology to the team. Liu Xiao, vice president of Qianjun Sports, said that although not every team has such conditions, it has become a consensus that big data technology can improve performance. In football, basketball, volleyball and other projects, more and more teams collect big data.

　　Liu Xiao said: "It is mainly collected by two means. The first is wearable devices and various sensors all over wearable devices. The second way to collect data is to use high-speed cameras. "

　　The collected data is very rich, including heart rate, blood pressure, running distance, running route, energy consumption and so on. According to a sports big data industry insider, some teams have collected more than 100 items of data, and they are still increasing. "Data such as what to eat for three meals should be collected. Some teams that pay great attention to science and technology have to fill out a questionnaire before getting up in the morning. How do you feel after getting up? What kind of dream did you have last night? Do you remember, was it a nightmare or a dream? You have to look at these things. These things are the embodiment of your physiological indicators. "

　　Sports big data brings "competition" outside the stadium.

　　Big data is becoming another arena outside the arena. In addition to competing for data collection, each team has to compete in data processing. For example, some teams just focus on a physiological index, and dozens of big data companies provide them with analysis services at the same time. For example, Liu Xiao said that a data analysis result is sometimes a big technical and tactical advantage.

　　Liu Xiao said: "For example, on the basketball court, whether it is better to throw a three-pointer or a two-pointer is better. In an era without data support, everyone relies on experience to make decisions. After the introduction of data, through data analysis, we found that the benefit of voting for three points is greater than that of voting for two points. If you push it back to the training session, you will adjust the players in a targeted manner. Now the whole NBA is playing more and more outside the three-point line. "

　　Industry insiders also told reporters that in addition to helping the team improve its training methods, another major role of big data is to improve predictability and let the team balance its performance and commercial interests. "If a player is injured, he should know how long it will take to recover and how to avoid the least injury. Therefore, many players seem to be good on the court, but they must be replaced because there have been such predictions before, but for other reasons he has to play. "

　　Big data has a broad application prospect in the field of sports.

　　Although there are already many application scenarios, Liu Xiao said that there is still much room for improvement in the application of big data in sports.

　　Liu Xiao said: "Now, in many application fields, firstly, the foundation of our data collection is not solid. Second, we haven’t used data as a tool to guide the whole sport, to guide events and athletes to improve their economic level and state. Therefore, there is a lot of room for improvement in the application of big data in sports. "

Under the national policy of energy conservation and emission reduction, and the purchase tax of small-displacement engines of 1.6L or less is halved, both powerful imported or joint-venture car brands and gradually developed domestic car brands have turned their attention to "golden displacement" such as 1.5L and 1.6L..

With the increasingly fierce competition, major manufacturers have shown their trump cards and created a large number of excellent models. Today, we are going to talk about a new rookie: 1.6l6at.

What does the arrival of the new engine portend?

Yidong, as the main model of Changan sedan series, maintains excellent sales. Super high cost performance, rich configuration, fashionable appearance, comfortable driving experience and all-round safety have been deeply rooted in the hearts of the people.

The 1.6L DVVT GDI engine, which declares that power is truth, and the Aisin three-generation 6-speed automatic manual transmission used with this engine will undoubtedly raise the balance of this car to a new level, making Yidong more competitive in the market of compact cars below 100,000. Today, we focus on the power core of this car.

Combination of double swords

This 1.6-liter pure aluminum alloy independently developed by Chang ‘an has variable timing technology of intake and exhaust valves (DVVT) and GDI naturally aspirated engine. Although DVVT technology is used in engines of many domestic independent brands, in-cylinder direct injection is rarely used, because in-cylinder direct injection requires higher engine technology. So how many benefits can such a difficult-to-manufacture engine bring to consumers? Let’s break them down one by one.

First: the difference of injection mode.

The essential difference between in-cylinder direct injection and manifold injection is that the traditional engine injects oil in the intake manifold and then forms mixed gas with air, and finally enters the cylinder. In other words, in the traditional injection mode, gasoline is more likely to flow into the cylinder for combustion. In-cylinder direct injection is to directly inject fuel into the cylinder with a high-pressure nozzle and mix it with air directly, so that the oil will start to burn when it is sprayed out.

▲ In-cylinder direct injection is more uniform, with better atomization effect, stronger power and more fuel saving.

Second: the power is stronger.

As mentioned before, in the traditional injection mode, some gasoline flows into the cylinder, while in-cylinder direct injection, gasoline is directly atomized and burned in the cylinder. The understanding of the image is like when the power of two identical speedboats is fully open, one of them only puts the propeller half in the water, and the power cannot be fully exerted.

From the data point of view, it has the maximum power of 94KW (the maximum power output range is expanded from the ordinary 6000rpm to 5700-6200rpm) and the maximum torque of 168 N m. However, other domestic brands of 1.6L naturally aspirated engines are mostly 85-90KW, so no one can shake their position in China.

Maybe someone asked, what’s the difference between 90KW and 94KW? I don’t feel anything at all. Under normal circumstances, I can’t feel much difference.The low-speed power of this GDI engine is 10%-15% higher than that of the old engine, and the maximum power output can reach 80% at 1500rpm. Therefore, this engine, when you use air conditioning in summer and when going uphill, will not need a big foot throttle to start and speed up because of its small displacement and weak power. Step on the gas pedal lightly and go out easily.

Third: the fuel consumption is lower.

Traditional fuel injection will form a large number of carbon deposits in the cylinder, and more fuel will be attached to the surface of carbon deposits, which will make the fuel combustion more incomplete, forming a vicious circle and increasing fuel consumption.

Moreover, because of the technology of accurate combustion in the cylinder, the fuel can be fully burned, which greatly reduces the formation of carbon deposit.Can reduce fuel consumption by 5%. 7.2 liters and 6.8 liters per 100 kilometers, don’t underestimate the difference of 0.4 liters. For a 52-liter fuel tank, a box of oil can run more than 40 kilometers, and the fuel economy can be imagined.

Fourth: more durable.

This engine adopts all-aluminum cylinder head and cylinder block, which has better heat dissipation effect. Advanced material technology and manufacturing technology make engine parts more wear-resistant, and the direct injection method also reduces the generation of carbon deposits in the cylinder. The maintenance cost of the engine is reduced and the owner’s money and time are saved.

Fifth: A good horse with a good saddle.

Any powerful engine needs a good gearbox that "understands" it and complements it so that its power can be accurately expressed.

Let’s learn how to distinguish the "good or bad" of a gearbox first. A gearbox needs only four conditions to be "good": fuel-saving, smooth, reliable and silent. As for "bad" ….. big impact, slow response, no gear shift, high fuel consumption, loud noise, high speed and so on.

And this Aisin three-generation 6AT has good internal lubrication effect, low resistance and more fuel economy. Good shift logic, faster speed, smoother speed change, less impact and more comfortable driving. Good heat dissipation effect, high technology of parts, good coordination between parts, more durable, more reliable and more silent gearbox.

▲ Excellent design of Aisin 3rd generation 6AT gearbox.

The combination of Aisin 6AT gearbox and GDI engine in Chang ‘an will give full play to the power. With Changan’s chassis carefully adjusted for Yidong, it will definitely make driving more exciting.

What are you fighting for?

Yidong, as a family compact car, is economical and practical. With the progress of science and technology, cars are also changing with each passing day. In the increasingly fierce competition in the auto market, in order to attract customers, more luxurious designs, safety facilities and smart devices are embedded in cars. People can feel the comfort and convenience of driving.

However, some people forget the fundamentals of the car: engine, gearbox and chassis. Put more energy into the design of modeling and interior. The cost of the car is indeed limited, and the mold used for shaping and the materials used for the interior will inevitably reduce the research and development expenses of the engine, gearbox and chassis. Therefore, the chassis developed in reverse, with old engine gearbox, fashionable coat and exquisite interior, has become the best choice.

This time, the new Yidong is equipped with 6AT, a gearbox that many luxury models are equipped with, and advanced GDI in-cylinder direct injection technology is also used. This "leapfrog" configuration is really extravagant.

Of course, manufacturers have to pay a considerable price for doing so.

The high R&D cost and manufacturing cost of GDI engine, as well as the cost of Aisin gearbox, make this car with less than 100,000 yuan, and the profit is thin. In addition, the market competition in this area is fierce, and there is a slight mistake. It must be a loss of wife and a loss of soldiers.

Why did Chang ‘an "go its own way" and let Yi use such a "cross-level" configuration? This is an insistence, no matter how difficult it is, we should think of consumers. Let consumers use a car that not only has a glamorous appearance, but also has a "connotation", which is not only comfortable to drive, but also more economical.

From the manufacturer’s point of view, the development of a brand must have its own core technology and independent sustainable research and development ability, so that the products can continue to improve and have better quality. Yidong, which was launched in 2012, has been with consumers for more than 4 years, and its reputation is getting better and better, with more and more recognition.

Throughout the world, Dave, not to mention the familiar series. They are all models passed down after decades of ups and downs. They didn’t cut quality because of the financial crisis, and they didn’t stop production because of poor market sales.

The more you face the difficulties, the more you can be recognized by the market and consumers. The new escape sends such a signal: surging power is truth, and fuel saving and environmental protection is justice. This is also Chang ‘an’s determination to face market competition and the motivation to build good cars for consumers.

Vehicle Control News (Text/Daily CHEK)

Recently, Beijing Automobile launched the BJ60 Thunder Edition at the regional press conference. The car was launched on August 20. There are three models in total, and the price range is 25.98-28 5,800 yuan.

In terms of power system, the BJ60 Thunder version adopts a 1.5T range extender with an electric motor system. The system has an efficient oil-electricity balance function, with a comprehensive fuel consumption of only 1.3L/100km and a full battery life of more than 1200 kilometers, making it suitable for long-distance driving.

The exterior design continues the family style. The front of the car is decorated with black paint, which is integrated with the lamp group. The chrome-plated decoration of traditional fuel vehicles is cancelled, and the whole is more flat, enhancing the visual sense of power.

In terms of size, the BJ60 Thunder version is 5040mm long, 1955mm wide, 1925mm high, and has a wheelbase of 2820mm. It provides two layouts of 5 and 7 seats to meet different user requests.

The interior design originates from the new generation, the central control screen and the passenger screen adopt an integrated shape, equipped with a number of high definition displays, including 10.25-inch LCD meters, 12.8-inch central touch screen and 12.8-inch passenger entertainment screen, providing a rich intelligent in-vehicle entertainment system.

The car is equipped with a wide range of features, including a 1.92-inch start button screen, a 9-inch display, and a HUD head-up display, which enhances driving convenience and a sense of technology.

In terms of power performance, the range extender of the BJ60 Thunder version can continuously output 90kW of high power, supporting high-speed driving at 145km/h for a long time, ensuring the balance of battery power and the optimization of battery life.

Car control CHEK community, the first smart car public test score + playing car AI significant other car enthusiast community, focusing on smart cars, competitor benchmarking, data reporting, intelligent driving, takeover rate, dangerous takeover mileage, battery life achievement rate, parking success rate, number of times, intelligent cockpit, evaluation indicators, owner group…

At the "315 party" in Chongqing in 2010, the staff of the 12315 hotline answered complaints from citizens on the spot. Reporter Ouyang Zubing (photo)

Yesterday, the Municipal Administration for Industry and Commerce revealed that this year’s "315 Party" in Chongqing will be broadcast on Chongqing Satellite TV on the evening of March 14th, and five major consumption traps will be exposed in the party. It is reported that Chongqing’s "315 Party" is one of the five major theme activities during this year’s "315" period.

The party will expose five major consumption traps.

This year, the theme of China Consumers Association is "Consumption and People’s Livelihood". Chen Wenyu, deputy director of the Municipal Administration for Industry and Commerce, introduced that this theme was first proposed by the Chongqing Consumer Council and finally adopted, and the theme of this year was determined, with the aim of making all sectors of society fully understand the complementary and mutually promoting relationship between consumption and people’s livelihood. It is reported that the industrial and commercial department of our city will organize a series of activities around this theme during the "315" period this year, including the "315 Party" in Chongqing, which will be broadcast on Chongqing Satellite TV on the evening of March 14th.

Chen Wenzhao introduced that the "315 Party" in Chongqing lasted for 90 minutes. During the party, the industrial and commercial departments will show the achievements of the city’s consumer rights protection work last year through the real picture of law enforcement and case handling, and expose the consumption trap that infringes on the legitimate rights and interests of consumers. There are five typical cases and consumption traps, including "hidden rules of automobile spare tire" and "slimming steel bar", which have attracted consumers’ attention. In addition, the industrial and commercial department of our city will release ten typical cases of consumer rights protection in 2010 to the society on March 13th.

According to the news from the industry and commerce department, in order to cooperate with this year’s "315" activities, in addition to the above-mentioned activities, during the "315" period, the city will also organize "consumer rights protection in action" to crack down on hidden consumption rules in intermediary, commercial advertising, e-commerce, food and other industries to create a safe and secure consumption environment.

Consumer Council opens new complaint channels in Weibo

"From now on, consumers have added a new consumer complaint channel!" Yesterday, Liu Mingsheng, Secretary-General of the Municipal Consumer Council, introduced that the Municipal Consumer Council had recently launched the Consumer Rights Protection Weibo in its official website "Chongqing March 15th Rights Protection Network". The purpose of opening this Weibo is to collect the focus issues that consumers pay attention to and safeguard the legitimate rights and interests of consumers with the help of "Weibo", a new Internet interactive way with convenient, fast and timely information transmission. And through various forms of consumer publicity and education, improve consumers’ awareness of self-protection.

The website of Chongqing March 15th Consumer Rights Protection Weibo is: httP://www.m.cq315.org. In other words, from now on, if citizens encounter consumer fraud, price traps, overlord contracts, etc., they can register online with their real names and then lodge complaints through Weibo. The staff of the Consumer Council will get in touch with you in the shortest time to help you defend your rights.

"The platform of Weibo is actually an interactive platform." Liu Mingsheng said that the Consumer Council will not only arrange special personnel to be on duty, but also add lawyers and industry experts to Weibo to provide correct guidance and suggestions for citizens’ complaints.

At present, the Consumer Council is still improving this Weibo platform. Liu Mingsheng said that before "315" this year, mobile phone users can edit the complaint content and attach the first-hand photo evidence, and send it directly to the Weibo number "315", so that the complaint content can be sent to Weibo. Consumer Council staff will handle it more quickly and conveniently, and rights protection will also shorten the time. At the same time, the Consumer Council formally convened the people’s rights protection enthusiasts in the whole city, and spread the real events about consumption injustice, irregularities, consumption traps and so on around them to Weibo for exposure, so as to jointly safeguard the normal consumption order, protect the rights and interests of consumers, and truly "shout when the road sees injustice".

At the same time, Liu Mingsheng reminded the public that in order to ensure the truthfulness and validity of complaints, citizens who want to make online Weibo complaints must register in real-name registration system. (Reporter Jiang Tao Intern reporter Yan Wei)

related news

Taobao will invest another 200 million anti-counterfeiting consumers this year to view the rights protection process.

Yesterday, Taobao held the 2011 press conference on the Internet’s nationwide rights protection, released the White Paper on Consumer Protection in Taobao in 2010, and announced that on the basis of investing 100 million yuan last year, it will add another 200 million yuan this year to protect consumer rights.

On March 8 last year, Taobao announced that the consumer rights protection platform was officially launched. This is the first consumer rights protection platform initiated by an e-commerce enterprise in China. On the same day, Ma Yun said that in 2010, Taobao will invest 100 million yuan in counterfeiting. Yesterday, Taobao announced that on the basis of this amount, it will invest another 200 million yuan in counterfeiting this year.

At present, Taobao has started the first inquiry responsibility system for online shopping disputes, added a number of rights protection portals on the homepage, transaction details page, community and help center, and launched a 24-hour consumer rights protection platform, so that citizens can see the whole process of rights protection complaints in real time, providing comprehensive protection before, during and after sale.

At present, there are three main ways for Taobao to check whether the seller sells fake goods: machine inspection, Taobao’s commodity standard price library will automatically remove the goods with abnormal prices or no inventory; Manual inspection, a special manual inspection department is set up for 24-hour inspection, and the problem goods are removed at any time; Buyers report that Taobao has a "report this product" button on every product page, and 370 million members on Taobao are commodity inspectors.

Source: Chongqing Business Daily (Reporter Ao Xiangfei Intern Wang Wei) Editor: Feng Yuan Xu Yinjuan

Recently, the new energy automobile industry has changed again. Wei Xiaoli, which once took the lead, has been replaced by three car companies, Ai ‘an, Nezha and Wenjie, in its sales ranking in October. However, what is worse than the decline in sales volume is that after the delivery volume, revenue and gross profit margin have improved, "Wei Xiaoli" still cannot escape the fate of loss.

Long-term losses are also the shadow of LI, who was founded seven years ago. Even CEO Li Xiang is deeply concerned. "Ideally, we will strive to achieve a monthly income of over 10 billion in 2022. It is time to say goodbye to the loss-making business for seven consecutive years." On November 12th, Li wanted to boast about the delivery data in October through Weibo.

In the car circle, netizens have become accustomed to the behavior of "talking big" about the new forces making cars, especially Li Xiang, who has a very personal style. Although Ideality has achieved a quarterly profit before, Li Xiang’s daring to speak out this time is about to end his 7-year loss. Is LI’s performance turning point here, or is Li Xiang blindly optimistic? In addition, when will the break-even point of the new forces of building cars come? Let’s have a good talk together today.

The turning point of performance has arrived, and the first shot of "profit" has been launched. After each financial report is released, we are more concerned about whether they have turned losses into profits besides paying attention to revenue and delivering data. According to the latest financial report, in the first half of this year, "Wei Xiaoli" experienced a substantial increase in revenue, which increased by 23%, 122% and 112% respectively compared with the same period last year. Although the revenue data is very bright, the net profit still maintains a loss situation, with losses of 4.54 billion yuan, 4.402 billion yuan and 652 million yuan respectively. The losses of the three car companies in the first half of the year add up to nearly 10 billion yuan.

Net loss from the first half of the year alone

6.52

In terms of 100 million yuan, the current situation of Ideal is not very optimistic, but its loss is mainly due to the large investment in R&D in the second quarter, with a total amount of 1.53 billion yuan, up 134.4% year-on-year. Most of these R&D expenses are spent on new products such as Ideal L9, Ideal L8 and Ideal L7. Since the pricing of Ideal L9 and Ideal L8 is between 500,000 and 300,000 yuan, with the delivery of these new models, Ideal predicts that the monthly income will exceed 10 billion in the fourth quarter, and at the same time, it will turn losses into profits for the whole year.

Although it is still unknown how much sales the new product can add to Ideal, the capital market has given a very positive response considering Ideal’s current good cost control ability and the expectation that its future delivery ability will be greatly improved. Recently, LI’s share price has risen by over 10%. However, due to the shortage of chips, rising raw material costs and other factors, ideal delivery and profitability are facing challenges and impacts. There are less than two months before the end of 2022. If you want to get rid of losses this year, you must make great efforts.

There are many doubts, and the ideal needs a "tonic". Among the three new forces of "Wei Xiaoli", the ideal profit has always been the best performance. The reason is that the ideal route is to extend the range, and the investment in research and development will be much less than that of pure circuit lines. As the saying goes, Xiao He also defeated Xiao He. At present, the industry is generally not optimistic about the future of extended-range technology, because from the perspective of carbon emissions, extended-range vehicles are not the optimal solution for new energy products. Compared with pure electric power, extended-range power is more of a transitional product and cannot be the main theme of the future.

Shanghai has clearly restricted plug-in hybrid models. From 2023, plug-in hybrids will no longer give away "green cards" for free. Unable to enjoy the green card policy, which means that many Shanghai consumers will not consider buying extended-range models. If other cities follow this policy, extended-program products will enter the cold winter, and LI will bear the brunt. At present, all LI’s models are equipped with extended-range powertrain, which makes consumers combine the ideal with the word "extended-range". If more cities no longer give green cards to extended-range models, it will undoubtedly make the ideal future even more difficult.

More importantly, there is almost no moat in the ideal. At present, there are many competitors who are mainly engaged in extended-range models. Dongfeng Lantiu, Chang ‘an Deep Blue, Wenjie and Self-Traveller are all on the list, among which Wenjie is the most ideal opponent. Less than a year after entering the market, the world of inquiry has achieved an ideal size. Looking at the domestic market, extended-range models have entered the market one after another, and the ideal market pressure has only increased. How to compete with the mass-increased models is the most important problem to be considered at present, not the blind optimism at present.

In other words, although Ideal will save money, it is possible to make a profit for the first fiscal year since its establishment this year. However, capital has never been interested in such "money-saving" enterprises. "Money-saving" cannot save a future, and only by building its own moat can we have greater hope. Therefore, instead of being complacent about your profitability, it is better to build your own technical barriers as soon as possible before the track is finalized.

When will the new forces break the "curse" of losses? In the current automobile market, new energy vehicles are undoubtedly the general trend. However, because there is no fundamental breakthrough in the cost of new energy vehicles and the scale has not been released, on the whole, it is still "losing money to earn money" and "making sales and losing profits". In particular, because the output of the new car-making forces is too small, the fixed expenses such as research and development expenses and administrative expenses cannot be diluted, and the market competition is becoming increasingly fierce, it is a common phenomenon for the new car-making forces to lose money. And when their breakeven point will come has become a common concern in the industry.

Building a car has never been an easy task. Regardless of the scale of sales, at present, the price of batteries is soaring, chips and core hardware are subject to people, and the price reduction pressure of "Catfish" Tesla. Most of the new car-making forces are in a passive state, and turning losses into profits is still far away, so everyone should be mentally prepared.

However, the ideal adopts strict cost control, which is worth learning. As the saying goes, "Good steel is on the cutting edge", so every car company should make good use of the funds in hand, and don’t be exposed to the negative side of "the founder’s sky-high salary" at every turn, as long as more funds are invested in research and development, and the products are recognized by consumers, I believe more new forces will step into the door of profit.

From the selling point of car products to the financial performance, Li Xiang continues the style of "big mouth". Like other new car-making forces, LI is also facing a lot of investment in R&D expenses, and it is a big challenge to get rid of the losses this year. In any case, the optimistic Li Xiang’s lofty ideals will "explode" in the fourth quarter, whether it is to give confidence to the capital market or to have a well-thought-out plan, and the answer will be announced at the end of the year.

Sir wants to apply for a three-day work-related injury leave.

I don’t know where I got the courage. I bought three tickets for Valentine’s Day at one go yesterday.

I knew it would rot.

But it’s rotten enough to make people have a myocardial infarction, and Sir didn’t expect it …

Valentine’s day, valentine’s day.

You’re a lover, Du Jie.

01

You really don’t know which one is the worst until you see the end.

Let’s start with the good-I really want to go to your world and love you.

The so-called "good".

It means that it is the most promising film to break through 5 points in Valentine’s Day files.

Valentine’s Day special fantasy sketch.

Zhou Yiran, the heroine, is very charming in "The Sky of Wind Dog Boys".

Shi Baiyu, the male actor, is the worst in the whole play, Mo Junjie.

Settings in this film, popular version of Sense8:

People living in different countries have the same senses.

One is Anyi (Zhou Yiran), a female architect in China, and the other is Gao Gao, a pianist in Germany (Shi Baiyu).

Thousands of miles of marriage is a thread, because the brain waves are connected and become tell it to the judge in different places.

If there are some jokes in the first half of the film, such as the gender dislocation that this kind of theme will definitely not let go.

Then the second half, more and more people were on pins and needles.

How does the hostess have love for people who only appear in her mind and have never met?

When the hostess was strongly kissed by the boss, he used synaesthesia to help the hostess slap the boss.

The hostess was sexually harassed in the workplace, and he used his musical skills to help her out.

So the woman felt:

He used to be a nice guy.

He cares about me.

But how can a "good man" become a "lover"? We can’t see the chemical reaction of love, only the ripening of industrial saccharin.

Finally, the "truth" was exposed, and it was forcibly turned into industrial tears.

There is another reason to say that I really want to go to your world and love you is the "best" valentine’s day file:

At least … It’s not unlucky. (This requirement is also humble to have no temper)

Yes, this is the only movie on Valentine’s Day this year with no dead people.

It’s not that romantic films can’t shoot tragedies or make sacrifices.

The protagonist takes the box lunch without any preparation and logic, which won’t give people any feeling of tears. After watching the big festival, you just want to shout:

Since they all belong to Amway movies that you can give to whoever you hate.

Sir doesn’t shy away from what’s bad.

Don’t forget I love you.

The concept probably came from Memento.

Male host Lu Yao (Jasper Liu), an amnesiac, has only one day’s memory, but he forgets it the next day after sleeping.

Xu Xingyue (Gulnazar), the female host, is the psychotherapist of the male host.

Doctors and patients, after several courses of treatment, were treated on the sheets …

We can’t tell how we fell in love.

Anyway, the plot can be summed up in one sentence: I can’t make it up, just be forced and cry for me.

Establish a relationship, and then be misunderstood by the male host and sister.

Cry first.

Clear up the misunderstanding together, and the screenwriter refused.

Suddenly, the woman was pregnant unexpectedly, and the man was afraid to have children because of his own situation, so they quarreled.

Cry a wave.

Finally decided to have children, and happily bought baby products to welcome the arrival of a little baby.

How can this work?

With a thud, the woman was a precursor to eclampsia, bleeding heavily and died.

The whole play is over.

? ? ?

In this story, it’s not good to buy paper money for ancestors for 50 yuan, and what movie tickets to buy.

(Of course, it may also be that the pattern of Sir is small. Maybe people are public service advertisements to remind Valentine’s Day to take insurance measures. )

Just out of the cinema, I thought my bad luck was over.

I didn’t expect "ten years of one product as warm as words" to come.

How ugly is it?

Yesterday, the topic rushed to the top of the list.

Today, the watercress opened at 2.9, still falling.

Leading the Valentine’s Day box office, adapted from the novel of the same name published by Shu Haicang eleven years ago.

It is indeed an ancient story that will explode eleven years ago.

She, Wenny (Ren Min), a beauty in the south of the Yangtze River, is the daughter of the Wen family who was lost outside.

Returning to the extended family, he was repeatedly rejected.

He, Dj Yan (Ding Yuxi), a handsome boy in Beijing, is a son of a noble family and is a family friend of the Wen family.

I love photography, but I always guard her.

Wenny, a transfer student, was bullied and he stood up for her; Parents’ meeting, she is "an unwanted wild child" and he is her parent.

He gave her a home.

Together, they raise a stray dog, a bear who looks like a model and is "abandoned", to accompany her and warm her heart.

It’s romantic to watch the sea in summer and the snow in winter without reading.

However, if you are bored every day, won’t it reflect the role of screenwriters?

I have to give you some drama.

Then everything should have happened to these two.

The man was taken to America by his parents, and his mother was unhappy in marriage and jumped off the building.

After he witnessed all this, PTSD died and was locked up in an American mental hospital.

The key is whether the man is alive or not and not telling the woman.

The woman’s side is abused by one person.

"One product in ten years", we have not been together for seven years.

They met again in the tenth year, thud.

The man is terminally ill.

So the hostess gave him a never-ending wedding and accompanied him to death.

You don’t know what the festival has done to see this.

All the plots are not connected, and they all rely on narration +PPT transition.

Then pick some bold and highlighted golden sentences from the original-"Unless there are white bones in the loess, I will keep you safe for a hundred years."

Dream back to the QQ space ten years ago.

After reading these, Sir really doesn’t know whether to sympathize with the lovers in the cinema.

I still feel sorry for myself after watching three bad movies.

02

Valentine’s day file, rightfully bad.

Bad movies are mostly publicized in advance.

For example, the title of a film that you are too lazy to finish reading.

Ten years is as warm as words, Don’t forget that I love you, I really want to go to your world and love you.

I don’t know what they are talking about, and the title goes straight to 9 words.

Silly posters that can’t be separated.

Sticking on a big head, staring, snuggling, hugging and kissing.

Of course, the most obvious sign is the release of Valentine’s Day.

What good film can this be?

On Valentine’s Day, three romantic films cut down about 250 million box office.

"Ten Years of Temperament" also pushed "Watergate Bridge" out of the Japanese championship.

But after a day, they were all beaten back to their original shape.

"A Ten-Year Taste as Warm as a Word" was 143 million at the box office yesterday and 12.95 million today, a decrease of 90.9%.

A real one-night stand.

In addition to the Valentine’s Day file, include the "Pan-Valentine’s Day file":

3.14 white day, May 20th, Qixi, Christmas and New Year’s Eve.

What do those "love films" tailored for couples look like?

Valentine’s Day 2018 "Love One-way Train" has no score, and "First Love Shallow Rules" is 3.1.

In 2019, seal it with a kiss was 4.4, Love in Blue was 2.8, and Love in Fifty Meters was 5.0.

In 2020, due to the vacancy of the epidemic, last year’s "Don’t be a gentleman and a good lady" and "I applaud you" were not scored.

Take "seal it with a kiss", the best box office, as an example, it was also a "one-night stand", and the box office fell off the cliff the next day.

Because if it wasn’t for finding a place to date.

No one can walk into the cinema for such a movie.

The film is adapted from Japanese Man’s Naughty Little Kiss, and belongs to the same IP as the high-scoring Taiwanese drama "The Kiss of Pranks".

In 19 years, the ancient setting of Xueba Handsome Boy VS Stupid Sunshine Girl has long passed.

In the meeting scene, the two still walk without looking at the road.

One bump, two pulls, three kisses.

Idol drama, choose actors and watch CP sense.

Darren Wang plays Jiang Zhishu, Jelly Lin plays Yuan Xiangqin, Excuse me?

The filter is thick, the skin is white, and the makeup is exquisite.

That kind of heart-pounding feeling is also like doping too many additives, leaving only haze and blockage.

Actually.

Valentine’s day stalls are like scenic meals, and it is impossible not to taste bad.

Slaughter is the door-to-door. There is no choice.

What I earned was this hammer deal, and I decided that there would be no next time.

At this time, does it matter whether there is love in a romantic film?

All we need is a cover for a romantic film, and then Jiang Taigong will go fishing, and those who wish will take the bait.

03

If love must be tested, then Valentine’s Day is a test.

What is more cruel than a romantic film without love.

It must make you emotional.

Have you found that in recent years, there have been fewer romantic sketches and more tear gas?

"Former 3" made many viewers cry into tears, with a box office of 1.941 billion, a small explosion in that year.

Inside, the man cos is the supreme treasure in the street, and the woman knows that she is allergic and wants to eat mango’s self-abuse plot, which is to poke hard at the tears.

The Story More Sad than Sadness, with its rigid copy of the old be aesthetics, still won 958 million box office.

Crying has become a big selling point of romantic films.

It not only caters to young people with daily emo, but also conforms to the sad and greasy nostalgia of middle-aged people for youth.

Many movies are invited from posters. Come and cry.

On My Love, of course I want to cry if I can’t love it.

"I want us to be together", regardless of men and women, cry for me.

In this year’s Valentine’s Day file, it is the MV-style crying drama award.

Ren Min’s acting skills are ok, so the director let her cry all the time without any change.

If we used to dislike the cheapness of tears such as "Ex-3" and "A Story More Sad than Sadness".

So now these, even crying can’t shed tears.

This year’s Valentine’s Day file not only blasphemes love.

Even profaned the cliche.

Because they don’t even bother to explain a cliche love story.

Can’t shoot the sweetness of love, can’t shoot the romance of love, just want to add a little industrial mustard, and want the audience to drop a few tears.

It seems that you are emotional and have a feeling of love.

So in this year’s Valentine’s Day file, we finally saw the paranoia of domestic romantic films about be, to the extent of being possessed.

The plot is illogical.

Emotion has no foundation.

The protagonist dies for you for no reason, and it’s not true love to talk about being in love and not dying.

As a result, there is no love, only bad luck.

Valentine’s Day, when did it end up like this?

You know, on Valentine’s Day in 2017, we obviously watched la la land in the cinema.

A song "Another day of Sun" opened the curtain of "city of angels".

The highway at 28℃ is hot and boiling.

Gorgeous dresses and skirts are flying, busy life and restless dreams are burning your eyes.

The seasons of winter, spring, summer, autumn and winter change.

Corresponding to the five stages of Mia and Sebastian’s acquaintance, love, breakup, indifference and looking back.

Nothing else.

Is beauty.

Is endless love.

Sir can’t help taking it out to wash his eyes every year.

If you really can’t make a romantic movie.

Then don’t make new movies in the future Valentine’s Day files.

Let’s watch old movies, which are quite romantic.

No matter it is a masterpiece of word of mouth that will be shown soon.

It is also an unshakable classic of film history.

Compared with meeting a new doomed love.

Why don’t we continue to be warm in the story of our hearts.

Forgot the valentine’s day file.

Remember, we really had love.

The picture in this article comes from the Internet.

Editor’s Assistant: North of Xibei

　　Author: Jiang Zai (young writer)

　　Do bionic people dream of electronic sheep? Is a science fiction novel by American writer Philip Dick. If bionic people can dream, do they dream of sheep and grasslands in the human world or an artificial intelligence world full of Cyberpunk elements? Consciousness, dreams and memories have repeatedly promoted our understanding of the boundary between human beings and other organisms.

　　In recent years, human beings have benefited from the development of artificial intelligence industry, and also felt new challenges because of its existence. As far as the literary industry is concerned, the potential of artificial intelligence in writing makes us see the possibility that it has self-awareness. Nowadays, artificial intelligence can obtain key information by deeply learning a large amount of data and semantic analysis technology of text, thus generating words with certain logic. However, as far as the current development technology is concerned, artificial intelligence still does not have the ability of original or structural output. Therefore, their creations will not pose too much threat to mankind for the time being.

　　But why should we oppose the creation of human beings and the creation of artificial intelligence? Why did it become an alternative situation? Although this seems to be a proposition about the future, this kind of problem is not as novel as we thought. The debate about whether the author should disappear has long existed.

　　This year, a novel created by artificial intelligence, Land of Machine Memories, won the second prize of Jiangsu Youth Science Fiction Works Competition. The judges voted on the novel without knowing it. In other words, under the premise of hiding the author’s identity, artificial intelligence creation has been recognized.

　　The disappearance of the author can make readers return to the pleasure of reading works. The writer’s life has become less important, the writer is no longer the object of attention of critics and readers, and language has become the only existence. Many writers are trying to become another person and escape from the only "I".

　　One way to accept the existence of artificial intelligence literature is that perhaps we can not talk about "who is the author?" And talk about "the function of the author." Why can’t artificial intelligence be an author? It satisfies the condition of countless "I", which is the combination of countless consciousness and countless data. Literature created by artificial intelligence represents the product of the era when artificial intelligence and human beings coexist. Must creation be related to self-awareness? The answer is probably no. There are many "works" in nature, which are the creation of nature’s "unconscious". So even if we can’t capture the consciousness of artificial intelligence, or assert that artificial intelligence is unconscious, it doesn’t prove that there is no concept of "creation" in artificial intelligence. In addition, I don’t think any author can claim that his creation is not influenced by his own subconscious or even unconscious. Therefore, from the level of consciousness, we cannot completely deny the possibility of the existence of artificial intelligence literature. Even, I think it is possible for artificial intelligence to have self-awareness in some ways. The embryonic form of its self-consciousness can be found in its "illusion" phenomenon.

　　The term "illusion" of artificial intelligence is borrowed from human psychology. This term describes the situation that an artificial intelligence system produces a response that seems to be unsupported by its training data. Also known as artificial illusion, fiction and delusion. Isn’t this the germination of self-awareness? They began to dream, and even Jeffrey Hinton, a Turing Prize winner with the reputation of "Nobel Prize in Computer Science", explained the logic that machine intelligence really dreams of electronic sheep. With the development of technology, emotion, love and consciousness can be reconstructed through neural network and acquired through deep learning.

　　If we accept that artificial intelligence can be an author, the literature it creates can be collectively called artificial intelligence literature. Then it can coexist with human literature and promote the new possibility of literary development.

　　However, new problems have emerged. For example, about the nature of literature. Does the essence of literature exist only for language and text? Or does writing exist for some higher and more mysterious value? Between the two, I prefer the latter, that is, writing is to make something fleeting immortal. The narrator of Arabian Nights makes death become distant and vague in one story after another, and the time of the story delays the time of death in the real world. The Peony Pavilion prayed that the living could die and the dead could live. So, what is the creation of artificial intelligence for? In order to meet the needs of human beings, do you keep giving instructions to it?

　　There is also the question of how the criticism of artificial intelligence literature will be carried out. When critics can no longer trace back to the "nurturing materials" on which artificial intelligence depends, how will critics connect seemingly unrelated things in series? How will their comments lead us to look at social culture, and how do artificial intelligence literary works influence other texts? How will the scale of similar studies be redefined? These problems are all human beings need to face directly.

　　Guangming Daily (December 9, 2023, 09 edition)

　　"As long as you are in love, you should fall asleep when you drink to death", and the rhetoric on the wine table turned into a real tragedy: last week, Gao Hua (pseudonym), director of the legal service office of Linshi Town, Fuling, hosted a banquet for local cadres, then went home drunk, went to bed and never woke up.

　　Go home drunk and die in bed.

　　Yesterday (January 19) morning, the person in charge of the legal service office of Linshi Town, surnamed Jiang, said that at 1 pm on January 14, Director Gao, who lives in Fuling City, called him and two other comrades in the office to have a group dinner.

　　Jiang recalled that two months ago, he became the director of the institute. On the day of the dinner, Jiang had other business and didn’t go to the group annual banquet. The next day, he received a phone call from Gao’s family, saying that something was wrong.

　　After 1 pm that day, Jiang rushed to Gaojia and learned what had happened: On the evening of 14th, Gaojia went home to sleep with drunkenness after entertaining guests. At 12 noon the next day, I was still in bed. His family called him to get up for lunch, but no one answered.

　　"When the family checked, they found that his body was cold." Jiang said. Afterwards, everyone thought that he was in good health and died of drunkenness.

　　I drank 6 liang of white wine before the accident.

　　According to an insider, there were 13 people who attended Gao Hua’s banquet that day, including two deputy mayors of Linshi Town, two staff members of the grassroots department of the Judicial Bureau, staff members of the Judicial Office of Linshi City and court staff of Linshi Town.

　　The guests recalled that on the same day, Gao frequently toasted the guests during the dinner, and asked everyone to give their support in the work in the coming year. Many guests estimated that Gao had drunk more than six taels of liquor at that time.

　　"He has a good capacity for drinking, and he can drink more than a catty at ordinary times." A guest said. They didn’t expect that something happened when they drank more than six taels that day. Another guest said that on that day, after drinking more than six taels of wine, he was dizzy and faltered.

　　After the dinner, the guests left one after another. The next day, they received news that Gao was unfortunately drunk to death.

　　The family claimed 380,000 yuan from the Justice Bureau.

　　Yesterday afternoon, Xiong Yiping, director of the Fuling District Judicial Bureau, told reporters that after the incident, Gao’s family found the Judicial Bureau and thought that Gao died on business: Gao invited guests to dinner, not for himself, but for the legal service office, so Gao’s family claimed 380,000 yuan.

　　Director Xiong said that the Bureau of Justice only provides business guidance to the legal service office, and the service office has nothing to do with the Bureau of Justice, whether it is personnel or business, so it is impossible to talk about death in the line of duty. However, considering that Gao’s child is only 14 years old and is in the second grade, the bureau decided to give relief to Gao’s family.

　　On the evening of January 16th, with the active handling of the Judicial Bureau, Fuling Grassroots Legal Service Workers Association signed an agreement with its family to compensate for financial difficulties. It was revealed that the compensation was more than 200,000 yuan. The day before yesterday, Gao’s body was cremated.

　　Director Xiong did not disclose the amount of compensation to reporters, but he did not deny the compensation. He said that compensation is being raised and will be paid to Gao’s family on January 23.

　　(3) compensation by government departments

　　According to reports, the government of Linshi Town, the district judicial bureau and the district court, where the guests who accepted the banquet on that day, will give certain compensation for difficulties.

　　The person in charge of the legal service office of Linshi Town, surnamed Jiang, said that the Fuling Grassroots Legal Service Workers Association initiated more than 10 legal service offices in the district to donate money to Gao’s family: each office donated at most 5,000 yuan and at least 2,000 yuan. This sum will also be part of the difficult compensation.

　　There is also a sum of compensation from 13 guests who attended the banquet that day. Director Xiong of the Justice Bureau said: Thirteen guests each donated 1,000 yuan as compensation for Gao’s family. According to the reporter’s understanding, last year, a unit in the district had a treat and a guest was drunk. The court decided to compensate the family members of the deceased according to the proportion of whether the guests participated in persuading or gambling on alcohol.

　　Yesterday, a guest who had donated 1000 yuan said that Gao’s unfortunate death made him feel very uncomfortable, and he would drink less in the future. He believes that this is a tragedy caused by the "wine custom". The wine custom of "as long as the feelings are close, you should fall asleep when you drink to death" and "deep feelings and one mouthful stew" should be abandoned. (Nie Chao Teng Zhouhui)

Editor: wangxin

　　CCTV News:Today (November 28th), a new round of real estate control policy was introduced in Shanghai. For households who already own a house in Shanghai or have no housing in Shanghai but have housing loan records (including commercial or provident fund housing loan records), the down payment ratio is not less than 50%.

　　The Shanghai Municipal Commission of Housing and Urban-Rural Development, the Shanghai Branch of the People’s Bank of China and the Shanghai Banking Regulatory Bureau jointly issued the Notice on Promoting the Stable, Healthy and Orderly Development of the Real Estate Market in this Municipality and Further Improving the Differentiated Housing Credit Policy. The Notice stipulates that,As agreed by the self-discipline mechanism of Shanghai market interest rate pricing, the following requirements are made for differentiated housing credit policies:

　　Since November 29, 2016, if a household purchases the first set of housing (that is, if there is no housing in this city under the name of the household and there is no commercial housing loan record or provident fund housing loan record) and applies for a commercial personal housing loan, the down payment ratio shall not be less than 35%.

　　In this city has a set of housing, or in this city has no housing but housing loan records (including commercial or provident fund housing loan records) of households to apply for commercial personal housing loans, the purchase of ordinary self-housing, the down payment ratio is not less than 50%; For those who purchase non-ordinary self-occupied houses, the down payment ratio shall not be less than 70%.

　　The "Notice" requires that all housing management departments should strengthen the review of housing transactions and conscientiously do a good job in housing credit housing information inquiry. Commercial banks should continue to strengthen the audit of the source of down payment funds and the authenticity of income certificates, and carefully grasp the specific implementation level according to the borrower’s family credit status and solvency. For those who have the characteristics of investment and speculative housing purchase, the down payment ratio and interest rate should be strictly determined. People’s Bank of China Shanghai Branch and Shanghai Banking Regulatory Bureau will strengthen supervision and inspection. In addition, the Shanghai Banking Regulatory Bureau, together with the land regulatory authorities, has thoroughly verified the sources of funds for some land auctions, and is taking administrative punishment measures against banking financial institutions that have verified that funds have entered the land trading market in violation of regulations. Follow-up will also actively cooperate with relevant departments to continuously carry out the verification of the source of land transaction funds.

　　On the same day, the Shanghai Housing Provident Fund Management Committee issued the Notice on Adjusting the Personal Loan Policy of the Housing Provident Fund in this Municipality:

　　First, strictly implement the differentiated credit policy of provident fund. On the premise of distinguishing between the first and second home purchases, the down payment ratio for the second improved home purchase will be raised to 50% for ordinary commercial housing and 70% for non-ordinary commercial housing, the loan interest rate for the second ordinary commercial housing will be raised by 10%, and the maximum personal loan for the second ordinary commercial housing will be lowered by 100,000 yuan, and loans will be stopped from being issued to employees’ families with two provident fund loans.

　　The second is to reflect the fairness, sustainability and risk control of the provident fund system. The multiple of the loan amount determined by the borrower with the balance of the provident fund deposit account decreased from 40 times to 30 times; Strictly implement the calculation ratio of the repayment ability of the Ministry of Housing and Urban-Rural Development to reduce the monthly repayment amount to no more than 40% of the salary base, and the caliber of the second set of improved housing identification standards.

　　In addition, the city will increase the supply of commercial housing land to ensure that the supply of commercial housing land will increase year-on-year in 2016. Further strengthen the management of pre-sale behavior of commercial housing, strengthen the supervision of real estate enterprises and employees, continue to carry out special rectification of the real estate market order, and resolutely crack down on property hoarding, speculation of housing prices, false advertisements, deception of consumer transactions and various price violations by real estate development enterprises and brokerage enterprises; We will intensify efforts to investigate and deal with acts such as compiling rumors, spreading false information and disrupting market order, and deal with them severely according to the law and regulations. Cultivate and develop the housing rental market, encourage social professional institutions to continuously expand the scale of agency leasing business, effectively implement the registration and filing system of residential housing lease contracts, standardize housing leasing behavior, stabilize housing leasing relations, and protect the legitimate rights and interests of leasing parties.

　　The city will continue to adhere to the housing market system of "residence-oriented, citizens-oriented and ordinary commodity housing-oriented", constantly improve the "four-in-one" housing security system, continue to strictly implement the provisions of "Shanghai Nine Articles" and "Shanghai Six Articles" in accordance with the requirements of the state on housing purchase restriction and loan restriction, strengthen the responsibility of market regulation, strengthen supervision and inspection, implement the assessment system, ensure the implementation of various regulatory policies, and promote the stability of the city’s real estate market.

　　Policy question and answer

　　1. How do commercial banks identify the first home loan?

　　A: If a resident’s family has no housing in Shanghai, and the credit information system of the People’s Bank of China shows that there is no record of commercial housing loans or provident fund housing loans in all parts of the country, it will be implemented according to the first home loan policy, and the down payment ratio will not be less than 35%.

　　Second, how do commercial banks identify second-home loans?

　　Answer: If a resident’s family has no housing in Shanghai, but there are commercial housing loan records or provident fund housing loan records in all parts of the country through the credit information system of the People’s Bank of China, or if it is found in the Shanghai real estate transaction system that he already owns a house (whether he has a housing loan record or not, whether his housing loan is settled or not), the second home loan policy will be implemented, that is, if he buys an ordinary self-occupied house, the down payment ratio will be no less than 50%; For those who purchase non-ordinary self-occupied houses, the down payment ratio shall not be less than 70%.

　　3. When will this policy adjustment be implemented?

　　A: In order to minimize the impact of policy adjustment on newly applied families, this policy adjustment is based on the online signing time of the house purchase contract. If the online signing time is after November 29th (inclusive), the new policy will be implemented; if the online signing time is before November 28th (inclusive), the original policy will remain unchanged.

　　Four, how to purchase housing information query for housing credit?

　　Answer: After signing the house purchase contract, the borrower and his family members should apply to the Municipal Housing Information Center to check the housing situation under the family name with the house purchase contract, the Borrower’s Family Housing Inquiry Application Form reviewed by the loan bank, the identity documents of the borrower and his family members, household registration book, marriage certificate and other materials, and the Municipal Housing Information Center will issue the inquiry results within 5 working days after accepting it, which will serve as the basis for the loan bank to examine the loan.

　　In order to facilitate the inquiry procedures, most commercial banks in Shanghai provide agency services for housing information inquiry. With the authorization of the parties, the loan bank can handle the inquiry with the relevant materials to the Municipal Housing Information Center.

　　V. The "Notice" proposes to strictly verify the information about the housing situation of the households who purchase houses. What are the specific contents?

　　A: Shanghai Housing Information Center will strictly verify the information about the borrower’s family housing situation with all lending banks. First, check the information about the housing situation declared by the borrower under the names of his family members; The second is to check the marital status and other information declared by the borrower through networking with civil affairs departments; The third is to compare the consistency of the borrower’s declaration of relevant information in property tax, housing purchase restriction and differentiated housing credit application.

　　6. What is the basis for this adjustment of provident fund loan policy?

　　A: According to the differential credit policy of Shanghai housing provident fund, in the past, it was mainly to review the housing situation under the name of the family applying for loans. Even if the paid-in employees have used provident fund loans, they can still apply again after paying off. This adjustment is to simultaneously review the housing situation under the family name and the provident fund loan record. For the families of paid employees who have purchased the first set of housing and have never used the provident fund, the differentiated credit policy of the provident fund will not be adjusted; For the paid workers’ families who have used the provident fund loan once, even if there is no house under their name, they can only enjoy the second set of improved housing loan policy; The third provident fund loan will not be issued to the paid employee families who have used the provident fund loan twice. This is conducive to the differentiation and fairness of provident fund loans, but also reflects the object of provident fund support.

　　Adjusting the loan policy of the second set of improved housing is a corresponding adjustment according to the requirements of this real estate regulation and control. In 2010, the Ministry of Housing and Urban-Rural Development and other four ministries and commissions required that the down payment ratio of the provident fund for the second set of improved housing should not be less than 50%, and the loan interest rate should not be less than 1.1 times of the loan interest rate for the first set of housing provident fund in the same period. In November 2014, in order to support housing consumption, according to the documents of the People’s Bank of China and the China Banking Regulatory Commission, Shanghai implemented the provident fund loan policy for purchasing the second set of improved ordinary housing with reference to the first set of housing policies. However, under the current background of real estate regulation and control, the down payment ratio, provident fund loan interest rate and maximum loan limit are adjusted accordingly to better reflect the differentiated management with the first set of first-time home buyers.

　　The adjustment of the monthly income base ratio of the borrower’s ability to calculate repayment is based on the spirit of "the upper limit of the ratio of monthly repayment amount to monthly income is controlled at 50%-60% on the premise of ensuring the borrower’s basic living expenses" in the Notice on Effectively Improving the Use Efficiency of Housing Provident Fund (Jian Jin [2015] No.150). At present, the repayment ability of provident fund borrowers in Shanghai is calculated as the monthly repayment principal does not exceed 50% of wage income. If interest is added, the monthly repayment amount accounts for about 70% of wage income, which exceeds the upper limit control standard of 50%-60%. This adjustment from 50% to 40% can truly reflect the borrower’s solvency, and the monthly principal and interest payments are controlled within the scope stipulated by the policy to reduce the risk of default of provident fund loans.

　　The strict identification of purchasing the second improved housing is further clarified according to the spirit of "The second housing provident fund personal housing loan is only granted to the paid workers’ families (including borrowers, spouses and minor children) whose existing per capita housing construction area is lower than the local average level, and the loan purpose is only limited to the purchase of ordinary self-occupied housing with improved living conditions" in the Notice on Relevant Issues Concerning Regulating the Housing Provident Fund Personal Housing Loan Policy (Jian Jin [2010] No.179).

　　To calculate the deposit balance multiple of provident fund loan amount, the loan risk leverage and the principles of mutual assistance, fairness, sharing and sustainability of housing provident fund are usually considered comprehensively. Other cities in the country are not higher than 25 times, generally between 10 and 20 times. Shanghai has taken into account factors such as policy continuity and gradual progress, and this time it is appropriately lowered from 40 times to 30 times (the supplementary provident fund is lowered from 20 times to 10 times).

　　7. What is the self-discipline mechanism of Shanghai market interest rate pricing?

　　A: The self-discipline mechanism of Shanghai market interest rate pricing is a self-discipline coordination mechanism of Shanghai banking financial institutions under the supervision and guidance of the Shanghai Headquarters of the People’s Bank of China, which plays an important role in Shanghai real estate financial regulation and control. First, according to the requirements of Shanghai real estate regulation and control, under the guidance of the Shanghai Headquarters of the People’s Bank of China, according to the principle of "making policies according to the city", the differentiated housing credit policy adjustment plan is determined through consultation. Second, it has played a key role in unifying the specific implementation standards of differentiated housing credit policies, standardizing the cooperation between commercial banks and real estate intermediaries, preventing off-site fund-raising and leverage in the real estate market such as "down payment", and maintaining the order of the housing financial market, effectively urging commercial banks to fully implement Shanghai’s real estate financial regulation and control policies. (CCTV reporter Sheng Yuyu)