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Liu Jialiang, a native of Guangzhou, can’t live without the word "martial arts" all his life. He and his father are both martial arts people, and their martial arts are well-known, and they have inherited the pulse of Huang Feihong. Here in Liu Jialiang, he is based on kung fu movies with extraordinary skill. On his way to success, Zhang Che is undoubtedly one of his nobles. When Zhang Che filmed "Three Heroes in Border Town" in his early years, Liu Jialiang was still working in Shaw. Due to the lack of good martial arts actors, Zhang Che at that time took a fancy to Liu Jialiang and others who were helping Teng Hung Hsu shoot new martial arts, which started the vigorous development of Liu Jialiang’s martial arts career.

The cooperation between Zhang Che and Liu Jialiang was exceptionally smooth at first, and classic works such as One-armed Knife were produced. Zhang Che completely gave the martial arts play to Liu Jialiang, and this trust and affirmation continued until the Taiwan Province studio. At this time, Liu Jialiang had the idea of directing his own film, and he had a conflict with Zhang Che and parted ways from now on. Since then, Liu Jialiang has re-entered Shaw and cooperated with Ni Kuang.

Later, under the direction of Liu Jialiang, the elements of comedy were developed from the pure drama in the past, from the budding application in "God Strike" to the series of "Drunken Boxing", which was completely popular in China. Liu Jialiang also took the opportunity to integrate his real martial arts style into his works. From the films such as Thirty-six Rooms of Shaolin, Master of Shaolin Tent, and Bagua Stick of Five Lang, it is not difficult to see that the realistic fighting pictures occupy a large space of the film, and one of the tricks and styles is extremely clear, as if it happened in front of people, which thoroughly analyzes the essence of martial arts to the audience and spares no effort to share martial arts books with the audience.

It is Liu Jialiang’s spirit of dedicating his martial arts to the big screen that makes him achieve great success in the field of kung fu movies. Even after the new millennium and Shaw’s suspension of production, he has always stood firm in the ever-changing entertainment circle.

However, Liu Jialiang, who is pragmatic and realistic in martial arts, is not always smooth sailing. He and Jackie Chan fell out in drunken master 2. Their discussion of drama is totally different. Liu Jialiang insists on a down-to-earth style, but in Jackie Chan’s view, he ignores artistic vision. Jackie Chan resolutely carried out his juggling style in the important shooting parts of the film, such as the ending and Lu Huiguang’s fighting, and overthrew all the completed action scenes planned by Liu Jialiang and filmed them again. In this way, the two naturally fell out completely.

In addition to Jackie Chan, Liu Jialiang and Jet Li also had a bad time. And this incident has deep geographical reasons. At that time, Hong Kong people looked down on mainlanders, and this discrimination broke out obviously when the two places cooperated for the first time with the Shaolin theme work "North and South Shaolin". Being in it, Jet Li was very angry and vowed never to cooperate with Liu Jialiang.

In Jet Li’s view, when co-producing "North and South Shaolin", the treatment of mainlanders and Hong Kong people in the crew was too far off the mark. Hong Kong people do less work but earn more. They earn hundreds of thousands of dollars every month, but they can get tens of dollars a day when they sleep on the ground, while mainlanders get a few dollars only when they are busy for a day. In this case, they will not have a sense of protest, so it is strange that they can still work normally.

What really touched the bottom line of Jet Li was a shooting of sunrise. Anyone who has taken part in filming knows that sunrise and sunset are the same, and the light changes very quickly, and every second counts, so it is extremely difficult to shoot, so the crew started work on the spot a few hours before sunrise. So when Jet Li and his party were informed by Li Jialiang that they would be on standby at 2 a.m. and had to wear headgear in advance, they didn’t feel strange, but they waited all night, but they didn’t see Li Jialiang. When the sun was shining, Li Jialiang came, and he just said airily that he couldn’t shoot, so he wouldn’t shoot. Jet Li was furious. This was obviously playing with them, and he never wanted to cooperate with Li Jialiang.

Therefore, it can be seen from the film that Jet Li’s boldness and ferocity revealed in the paper-making section seems to be venting his dissatisfaction to the crew. Although these grievances have really happened, they can’t hide Liu Jialiang’s great achievements in China Kung Fu films.

In Tsui Hark’s films, Liu Jialiang also played an important role. Although they had great differences when they partnered with Tsui Hark in the early days, Liu Jialiang’s fighting style as always was incompatible with Tsui Hark’s. Tsui Hark advocated ethereal art and paid attention to visual beauty, so he abandoned Liu Jialiang and used Yuan Heping. However, when they got back together in Seven Swords, Tsui Hark made Liu Jialiang play a realistic fighting design thoroughly in the film, which made people see that kind of realistic and exciting close combat in Seven Swords.

Liu Jialiang has been in the business for several decades, insisting on his original intention and never forgetting his original intention. He has carried the traditional and real martial arts through to the end and truly carried forward China’s martial arts, which is really worthy of our respect. Liu Jialiang passed away in the middle of 13th year. His life was wonderful, bumpy, brilliant and bitter, but in any case, as a master of China Wushu, he is always worth remembering.

Editor in charge:

　　Chengdu International Automobile Exhibition 2023 will officially kick off on August 25th in West China International Expo City. As the most important international auto show in Southwest China, it has always been a stage for major auto brands to "show their muscles". As the representative of China’s own brand, Chery Group is also ready to go. Four brands, Chery, Xingtu, Jietu and iCAR, will jointly participate in the exhibition with more than 30 heavy models, showing strong brand upward potential.

　　As of August 20th, Chery’s cumulative sales volume has exceeded 1 million vehicles this year, running out of the "acceleration" again, two months ahead of last year’s million sales volume. Chery Group has achieved "double growth" from the same period of last month under the background of "double decline" from the same period of last month, continuing the strong trend of sprinting sales to new highs for months since this year. What surprises will Chery bring us at this Chengdu Auto Show? Let’s take the lead and have a quick look!

Chery Group landed at Chengdu Auto Show with four major brands.

　　The ultimate price of oil and electricity is higher than that of the new Tiggo 7 PLUS.

　　At this year’s auto show, Chery brand will bring its three major series and new energy heavy models to the show. In addition to the Tiggo 9, Arrizo 8 high-energy version and the newly-launched Exploration 06, the Tiggo 7 family will also welcome new models to market, and consolidate the new benchmark of A-class SUV value with its advanced scientific and technological strength. As the most successful model sequence of Chery brand, the Tiggo series quickly responds to iterations. At this auto show, two models, the Tiggo 7 PLUS Champion Edition and the Tiggo 7 New Energy Champion Edition, will be launched, with fuel+hybrid two-line force.

Tiggo 8 New Energy Champion Edition+Tiggo 7 New Energy Champion Edition

　　The Tiggo 7 New Energy Champion Edition, which will be listed at this Chengdu Auto Show, has three core advantages: super electric hybrid, super safety and super smart enjoyment. At the same time, it expands the vehicle lineup, and creates a super high price-to-performance ratio with the same-level leading electric hybrid technology, the same-level leading intelligent cockpit, the same-level super-high active and passive safety standards, and the only vehicle in the industry and the three-power lifetime warranty, which brings users more diversified new energy car purchase options. With the launch of the Chery Tiggo 8 New Energy Champion Edition and the Tiggo 7 New Energy Champion Edition, Chery Automobile will formally form a Chery hybrid Gemini layout consisting of the Tiggo 8 New Energy Champion Edition and the Tiggo 7 New Energy Champion Edition, covering the mainstream electric hybrid market within 150,000 in an all-round way, and satisfying users’ travel with a diversified vehicle lineup.

　　The new generation of Tiggo 7 PLUS Champion Edition is positioned as "the value benchmark of 100,000-class SUV", which is specially designed for "Lohas Youth". It continues the "three highs" product gene with high value, high value and high safety of the Tiggo 7 PLUS model, and is equipped with the fourth-generation 1.5TGDI engine of Chery Kunpeng Power for the first time, and it has the only super start in its class, with an acceleration of 0-60km/h of only 3.8s and a fuel consumption of only 6.58L per 100 km. With the launch of the Champion Edition, the new generation of Tiggo 7 PLUS Champion Edition family will refresh the industry value benchmark with the brand-new "the strongest Kunpeng dual-power combination of the same class", further high price-performance ratio and richer product lineup, and become a must-have item for users to travel. Not only can it provide more choices for users to travel, but it will also help more young users to easily start a beautiful car life with Chery’s fourth-generation ACTECO engine and the ultra-high price-performance ratio of "increasing the quantity without increasing the price".

A new generation of Tiggo 7 PLUS Champion Edition

　　Leading high-end travel, Star Road, Eta Ursae Majoris Flying Fish Edition and Star Era ET to open "Super Comfort, New Experience"

　　As the "spire" of Chery Pyramid, Xingtu is committed to bringing intelligent, luxurious and energetic high-end travel experience to the new middle class in the city. In 2023, Starway, which entered the era of 2.0, ran hard in an all-round way and accelerated the drawing of the future "445" product matrix blueprint. At the Chengdu Auto Show, the launch of Eta Ursae Majoris Flying Fish Edition and the launch of Star Era ET interior will be the two most important star attractions of Star Road booth. In addition, Star Era ES, which will be launched in the fourth quarter, as well as a new generation of moon-hunting, a new generation of Lingyun and wind-chasing PHEV, will all debut, and a super comfortable and new experience journey will soon set sail happily.

　　Since its listing in February, Eta Ursae Majoris has launched a "luxury affirmative action" campaign in the 200,000-yuan SUV market with a user value twice the retail price. Among many highly competitive functions, Flying Fish Super Chassis accounts for 67% of car purchases, which has won unanimous praise from users. Eta Ursae Majoris Feiyu Edition will continue to decentralize this function, and at the same time, it will add a new powertrain equipped with 2.0T+ Aisin 8AT to carry out luxury equality to the end.

Eta Ursae Majoris Flying Fish Edition

　　As the first high-end electric SUV in Star Age, Star Age ET adheres to the aesthetic concept of "super comfortable home", takes "warmth, comfort, luxury and elegance" as the design theme, adopts indoor home design techniques, and creates a modern sense of luxury and luxury through the collision of lights, real wood and real aluminum. Create a super comfortable 6A healthy cockpit that leads the industry for users, and make the car a cockpit and a second home.

Xingjiyuan ET

　　Focus on the travel scene and shake it. Jietu travelers will start pre-sale

　　Jietu Automobile focuses on the "Travel+"market segment, builds products with the concepts of scene, ecology and platform, and also builds a more perfect travel ecology and product matrix. It is understood that Jietu Automobile will open the pre-sale of Jietu travelers at Chengdu Auto Show. The pre-sale models include 1.5T and 2.0T power models. Jietu travelers adopt the design language of "the way of vertical and horizontal", showing the beauty of toughness. The posture of the whole vehicle is powerful, the suspended roof is equipped with luggage rack, and the generous black broken-line wheel arch and large-size rim are extremely off-road temperament. The small schoolbag at the tail is a classic design of off-road SUV. The rear taillights set vertically on both sides are wrapped in a black frame, and the shape of the rear bumper echoes the front face.

Jietu traveler

　　Of course, Jetway travelers are not only domineering in appearance, but also unambiguous in lining. The new car is equipped with the industry’s first XWD fully automatic intelligent four-wheel drive system, which brings very strong grip, high passability and ability to get out of trouble. With the empowerment of Borgwarner’s sixth-generation torque manager and intelligent differential lock, TA can win both urban roads and outdoor cross-country.

　　Intellectual fun playmates make a stunning appearance in iCAR 03 and join hands with millions of users to "dare to be fun"

　　Since the official release of "New Power" brand iCAR, Chery’s layout on the new energy track has been further accelerated, and at the same time, it has constantly challenged its own limits, innovated its marketing methods, and launched a number of user co-creation activities including appearance co-creation and i-VA virtual people, so as to establish a deeper emotional and value resonance with users and realize mutual two-way travel. At this auto show, iCAR will join hands with its vanguard iCAR 03 to make a stunning appearance, and the interior of the "intellectual playmate" SUV will usher in the first real car exposure! It is worth looking forward to that iCAR 03 will also join hands with a number of heavyweight big coffees to launch "iCAR 03′ s first China car crowdfunding early-adopter activity — — Millions of users and millions of kilometers long test ceremony, dare to play in the wild, specially for chasing new young people! There is also a mysterious modified car of "landing on Mars", which is worth finding out!

iCAR 03

　　At this Chengdu Auto Show, eQ7, which was popular before it went on the market, will also make a heavy debut. As the first home pure electric SUV built by China’s first aluminum-based lightweight platform, eQ7 was born for real travel scenes of home users, bringing a new definition of home pure electric SUV. At the same time, the familiar QQ ice cream, small ants and other models will also be renewed, Q moving Rongcheng.

　　Enjoy Rongcheng intelligently and see the future! From August 25th to September 3rd, four brands, Chery, Xingtu, Jietu and iCAR, will bring more than 30 heavy-duty models to Chengdu West China International Expo City, and come to Hall 5, H501 Chery booth to experience brand-new models, explore pioneering technology, and have many interesting ways to play. (Photo: provided by Chery Automobile)

　　Recently, we learned from the official that the new Volvo XC90 will be launched on September 4. As a mid-term model, the new car will continue to launch the ordinary version and R-Design ** style models. In addition to the appearance details, some configurations of the new car have also been upgraded. For example, the new car adds T *** Drive Zhiyi ** 7-seat model.

　　The new XC90 (Parameters | Inquiry) offers two exterior style models. Among them, the regular version only adjusts some front face details compared with the current model, such as the straight waterfall center net with chrome decoration, the air inlet decoration on both sides of the bumper, and cancels the fog lamp at the bottom of the bumper.

　　In terms of interior, the new XC90 will adopt the interior design that retains the current model of the current model. The overseas version will offer 5, 6 (2 + 2 + 2), 7 (2 + 3 + 2) and deluxe 4-seat models. At the same time, the new car has also been upgraded in active safety configuration. It includes the city safety and blind spot monitoring information system, the warning of opposite lanes, and the intersection warning system with automatic braking. The automatic braking function of the city safety system can effectively identify pedestrians, bicycles and large animals. In addition, the new car will also offer the CLEANZONE clean cockpit (plus the dual-effect enhanced air evolution system, the remote cockpit purification system, and the embedded AQI air quality real-time monitoring system), as well as the upgrade of the Intellisafe intelligent safety system.

　　In terms of power, the new car is expected to follow the setting of the current model. As a reference, the current mid-size XC90 T5 is equipped with a 2.0T turbocharged engine with a maximum power of 254 horsepower and a peak torque of 350 Nm; the T6 model is equipped with a 2.0T mechanical + turbocharged engine with a maximum power of 320 horsepower and a peak torque of 400 Nm; the T8 model is equipped with a plug-in system composed of a 2.0T dual-supercharged engine and dual motors, with a combined maximum power of 408 horsepower and a peak torque of 640 Nm.

　　(Original title: "The first person in the college entrance examination for the blind" Zhang Yaodong: I am preparing for the postgraduate entrance examination, "Someone must go ahead")

　　On the morning of May 23rd, in the course of synopsis of the golden chamber, Zhang Yaodong read a book with an electronic visual aid while listening to the lecture. The pictures in this article are all from The Paper reporter Zhu Ying

　　On June 7, 2014, the first day of the college entrance examination, the 86 th examination room of Tianshui No.6 Middle School in Gansu Province. 2 invigilators and 1 candidate.

　　Zhang Yaodong sat in the first row near the window on the left, with a white desk lamp and a red electronic sight aid on the table. There is a stack of 68-page-thick papers in front of me.

　　He picked up the visual aid and put it on the test paper. His left eye was closed, his right eye was widened, and his head was less than 5 cm away from the visual aid.

　　This is the college entrance examination for blind Zhang Yaodong alone.

　　Zhang Yaodong read with an electronic visual aid while listening to the class.

In 2014, it was called "the first year of college entrance examination for the blind".

　　On March 28th, 2014, the Ministry of Education issued a document, "When blind people take the exam, provide blind candidates with Braille papers, electronic papers or special staff to assist them", which opened the door for blind people to take the general college entrance examination. At that time, among the more than 9.3 million students who took the national college entrance examination, only three were blind. Zhang Yaodong was admitted to Hubei University of Traditional Chinese Medicine with a score of 558, becoming the first blind person in China who passed the national unified examination and was admitted to the university.

　　Teachers and classmates regard him as an "inspirational model" and a "star classmate" and praise him: "You have created a miracle for us."

　　Zhang Yaodong thought it was not a miracle, but something that his parents and he did together.

　　The left eye is blind, and the right eye has a visual acuity of 0.02. Standing a step away from the eye chart, Zhang Yaodong can only see the largest letters. Since he was a child, he has lived in a foggy world. He can see colors and outlines, but he can’t tear off the thick veil that is covered in front of him.

　　Father Zhang Jian and mother Li Xiaotao tried their best to make their son live like a normal person. They taught him to walk and eat, fought for his right to go to school and sent him to college step by step.

　　Zhang Yaodong understands the hardships of his parents, but he doesn’t want to talk about these sorrows. "I dare not think about it, but I feel uncomfortable when I think about it.". He repeatedly said: "If you can’t get it right, who can you live up to?" Everyone is sorry. "

　　Whenever asked what kind of person he thinks he is, he will blurt out: normal.

　　Should I repay the loan in advance? Photo courtesy of vision china

　　With the change of the property market, more and more people repay their loans in advance, and even there are long queues for this purpose, and many young people have joined them. Of course, the choice of early repayment is to cut interest rates, but experts remind that "early repayment can not blindly follow the trend." We should repay the loan rationally, not only considering our own affordability, but also considering the future changes in mortgage interest rates and making comprehensive judgments. Some experts also suggested: reduce the interest rate of stock loans or allow buyers to convert fixed interest rates into floating interest rates.

　　— — — — — — — — — —

　　The "loan repayment tide" of property buyers in advance is intensifying.

　　At 0:00 on February 1st, Chang Wei, a post-90s individual industrial and commercial household from Xuzhou, Jiangsu, once again stared intently at the mobile banking App page of a state-owned bank, refreshing, clicking and refreshing … … This has been repeated many times, but I still didn’t grab the February prepayment quota issued by the bank. Chang Wei said, "I waited until 0:30, but it seems that there is no quota around 0:10."

　　Originally, Mr. Huang, a post-90 s lawyer who lives in Wuhan, has successfully made an appointment for early repayment. However, only three days before the repayment date, he was informed by the bank that he could not repay.

　　They are just the "microcosm" of the difficulty for buyers to repay loans in advance. On social platforms, many property buyers shared their experience of making an appointment for prepayment, among which many people have scheduled the repayment date to September this year.

　　Bank employees have to queue up to repay loans in advance.

　　Chang Wei is not on a whim to repay the mortgage in advance. In the past two years, he has always had this idea. During the epidemic, his income was halved and unstable. Among them, his income was zero for three months, but he never dared to break the loan, which also made him want to repay the loan in advance.

　　In 2018, Chang Wei took out his savings, plus 1.1 million yuan from his parents, and borrowed 300,000 yuan from the bank at a loan interest rate of 5.7% before buying a wedding room. Now, Chang Wei’s mortgage principal is more than 260,000 yuan, and most of the tens of thousands of yuan paid in front are interest, and the principal only accounts for a small part. According to the contract, it will be another four years before the principal part of the monthly repayment will exceed the interest. He said, "This means that I have to work for the bank for another four years."

　　He decided to use the savings of 200,000 yuan to repay the loan, shortening the loan period of the remaining 60,000 yuan to 36 months, and then he only needed to pay more than 5,000 yuan of interest. "Compared with the original interest of 160,000 yuan, this is a fraction."

　　Years ago, Chang Wei saw on the mobile banking App that he could apply for early repayment, but the amount of early repayment after the year showed that it was full. When he went to the bank outlet, he saw a notice posted at the outlet about the need to make an appointment at the bank counter to repay the mortgage in advance, which read: "Our bank will arrange the customer to repay the loan in advance according to the requirements of the national loan scale control (usually in about 3 months)".

　　"This time, I have to pay more interest to the bank." Fortunately, Chang Wei successfully made an appointment to repay the loan in May this year. However, the reply from the staff of the bank outlets still left him with no bottom. "The staff asked me to come early in May, and the sooner I got more stable."

　　Just because you make a successful appointment to repay in advance does not mean that you can repay successfully. At the beginning of this year, Mr. Huang and his wife collected 450,000 yuan from relatives and friends and prepared to repay the mortgage in advance. On January 5th, he made an appointment at a bank outlet for repayment on February 6th. However, on February 3, he was told by the bank that the internal policy of the bank was adjusted, and the offline repayment window was closed, waiting for online approval, and the time was uncertain. He asked the account manager about the specific content of the bank’s internal policy, and the account manager said, "I don’t know."

　　For the above situation, the bank account manager asked Mr. Huang to find his own channel feedback. So, he complained to the relevant authorities and the bank consumer protection office.

　　Prior to this, Mr. Huang Applied for early repayment through the mobile banking app, indicating that he "failed to meet the repayment conditions". In fact, according to the contract, the repayment period is over 12 months, the repayment is at least 30,000 yuan in advance, and an appointment is made 30 days in advance, and the repayment can be made after approval by the bank. He has met these conditions. The online channel couldn’t get through, so he had to switch to the offline channel. Mr. Huang didn’t expect the road to repayment to be full of difficulties, as if he were going through "eighty-one difficult".

　　In view of the difficulty for some property buyers to repay loans, the reporter consulted the staff of the credit department of a provincial branch of a state-owned bank as a borrower, and said that the current area can make an appointment online, but it needs to be queued, which is estimated to be in April and May. He revealed to the reporter of China Youth Daily and China Youth Network that the bank’s control quota is fixed every month, and it will be gone when it is used up.

　　The bank staff also said that the income expectation of investment and financial management is not ideal now, and many people are not willing to put their money in the bank. "Our colleagues are ready to repay the loan in advance, and they are all waiting in line." Now there is no other way but to queue up. "Apply early, queue up early and repay the loan early," he said.

　　Don’t want to work for a bank?

　　"I don’t want to work for the bank." This is a common answer given by many property buyers about why to repay the loan in advance. They raise funds in different ways. Some people redeem their investments, some borrow money from relatives and friends, some people sell precious metals such as gold in their homes to repay their loans, and some people "operate" their mortgages into business loans through some housing agencies, reducing the mortgage interest rate … …

　　Since buying a three-bedroom apartment in Wuhan at the end of 2021, Mr. Huang and his wife have lived a life of "frugality". As long as they have money, they will save up to pay back the mortgage. Mr. Huang remembers that when they bought a house, they borrowed 1.36 million yuan in the form of "equal principal and interest". At that time, the mortgage interest rate was 5.78%, which was at a high level. They needed to repay 7963 yuan every month. He said, "We just need to live by ourselves and buy it at (mortgage) ‘ Peak ’ I also recognized it. "

　　At present, they have paid it back for 13 months, and the repayment amount has exceeded 100,000 yuan, but the principal is only about 18,000 yuan, and the rest is interest. Originally, Mr. Huang hoped to pay back 450,000 yuan before February 14 this year, but it was blocked. The interest of 450,000 yuan a day was 35 yuan, "one month’s interest is enough to pay one month’s heating bill". At present, he is still waiting for further feedback on the complaint. He is going to send a lawyer’s letter to the bank at the same time. "It is true that the bank defaulted first."

　　After 90, Zhang Ran said that the mortgage interest rate was 6.4% when she bought a house in Kunshan, Jiangsu a few years ago. At present, the mortgage interest rate in many areas has dropped to 3.8%. Today, she found that only a few hundred yuan of the monthly repayment amount of more than 2,500 yuan is the principal, and the interest actually exceeds 2,000 yuan.

　　In order to pay off the loan as soon as possible and engage in human resources work, Zhang Ran also works as a part-time teacher. In July last year, after she paid off the debts owed to her relatives, she repaid the 100,000 yuan she had saved to the mortgage. At that time, the repayment was smooth. She plans to continue saving money and pay off the loan in advance in two or three years, which can save more than 300 thousand yuan. "I only have one goal now, which is to repay the loan."

　　At the beginning of buying a house, Shasha, a 24-year-old sales assistant working in Shanghai, and her boyfriend were ready to repay the loan in advance at a constant rate to decompress for the future. In March 2021, Shasha and her boyfriend bought a 145-square-meter house with a loan of 1.22 million yuan in Kunshan, Jiangsu, and started a life of "A Tale of Two Cities". At that time, the mortgage interest rate reached 5.7%, and they needed to pay back more than 7,100 yuan per month, of which only about 1,300 yuan was the principal and the rest was all interest. She calculated an account, and if she repays according to the contract, she will have to pay more than 1.3 million yuan in interest in 30 years, which has exceeded the principal. She sighed, "The mortgage interest rate is too high."

　　In addition to the mortgage, the two will also give a total of 4,000 yuan in alimony to the elderly on both sides every month. At the same time, considering the uncertainty of career development and the cost of childbearing and education for future children, the future development of the industry is uncertain, and they choose to pay back 200,000 yuan every year. Last August, they repaid the principal of 200,000 yuan in advance.

　　In January this year, Shasha successfully made an appointment for early repayment again, because the bank made the payment the next month and she was still waiting for the deduction. In fact, Shasha has also considered converting mortgage loans into business loans to reduce mortgage interest rates. Some intermediaries have contacted them and said that they can provide "bridge payment" to help them apply for business loans. Finally, she gave up because she was worried that the risk was too great.

　　As a 19-year-old veteran in the real estate industry, Zhao Hengcheng, the manager of the "80-year-old house talk" from the media, also observed that some people will choose to convert their mortgages into business loans, that is, buyers will pay off their mortgages in advance at one time, and then mortgage their properties through the company to make loans, and the loan interest rate can be reduced to 3.7%. "In fact, there are many people in the market who take this as ‘ Gap ’ The intermediary, ‘ Bewitch ’ Everyone turned the mortgage into a business loan. "

　　However, it is clear that it is illegal for consumers to use "bridge funds" to settle their mortgages and then go to the bank to apply for operating loans to return the bridge funds. In view of the behavior of some illegal intermediaries to induce consumers to replace their mortgages with business loans, China Banking and Insurance Regulatory Commission official website had previously issued a reminder that this kind of operation hides the hidden dangers of breach of contract, the trap of high fees, the impact on personal credit information, the break of capital chain, and the violation of information security.

　　A staff member of the credit department of a state-owned bank said that banks will often check similar situations, and non-enterprise operators illegally switch to operating loans, which has certain default risks and legal risks. "If consumers are found to have misappropriated loans, they can recover the loans in advance."

　　Why is it difficult to repay the loan in advance?

　　Why is it difficult for ordinary people to repay loans in advance?

　　Li Yujia, chief researcher of Guangdong Housing Policy Research Center, pointed out that in recent years, the interest rate of bank loans to the real economy has dropped significantly, dropping by 34 basis points in 2022. Among them, in order to reduce the financing cost of small and medium-sized enterprises, the support for small and medium-sized micro-loan enterprises with lower loan interest rates should be maintained at a high level. As a result, mortgage is a high-quality asset for banks.

　　In 2022, the growth rate of individual housing loans declined. On February 3rd, the Statistical Report on Loan Investment of Financial Institutions in the Fourth Quarter of 2022 released by the People’s Bank of China showed that the balance of personal housing loans at the end of last year was 38.8 trillion yuan, up 1.2% year-on-year, and the growth rate was 10 percentage points lower than that at the end of last year. Li Yujia explained that in 2022, the application for incremental mortgage was declining. In the part of stock mortgage, buyers demanded to repay loans in advance, and the bank’s income was naturally affected.

　　Li Yujia has been paying attention to the "tide of repaying loans in advance". He found that in the first half of 2021, ordinary people were still "waiting in line for loans", but now they are "waiting in line for loans to be repaid". For more than a year, such a big contrast occurred, and the background was that the expectations of ordinary people for the property market reversed.

　　In January this year, the data released by the National Bureau of Statistics showed that in 2022, the sales of commercial housing was 13.3308 trillion yuan, down 26.7% year-on-year. In Li Yujia’s view, in the past, people generally believed that house prices would rise, and the return on assets was far greater than the cost of raising mortgage interest rates. Nowadays, after the people’s expectations of housing prices are reversed, the cost of the house is fully manifested and they are more sensitive to the mortgage interest rate. The continuous downward adjustment of mortgage interest rate is one of the reasons why ordinary people repay loans in advance. At present, mortgage interest rates in dozens of cities have entered the era of "3%". In addition, some cities have phased out the lower limit of the first home loan interest rate.

　　Professor capital university of economics and business and Zhao Xiuchi, vice-president and secretary-general of Beijing Real Estate Law Society, pointed out that mortgage contracts have a long term and are calculated with compound interest. Small changes in interest rates have a great impact on the borrower’s repayment burden, and it is understandable for consumers to reduce expenditure and increase income. In addition, many people chose a fixed interest rate when the interest rate of stock loans was converted. Now they find that the market interest rate is low, and they have suffered. Repaying the loan in advance is also a kind of compensation or correction.

　　Zhao Xiuchi also observed that some people choose to repay the loan in advance, and then apply for a loan with a lower interest rate. Few people stop lending after the real repayment. Zhao Xiuchi explained that the main reason was that the previous stock loan chose a fixed interest rate when the interest rate was converted, and its contract interest rate could not decrease with the decrease of the loan market quoted interest rate (LPR), so it was necessary to repay the loan in advance before applying for the loan to enjoy the current low market interest rate. Another reason is that the interest rate of the borrower’s mortgage contract is higher than the loan interest rate of small and medium-sized enterprises, and buyers may "detour" the loan.

　　"At present, ordinary people are not ‘ Retaliation ’ Pay back the mortgage. " Zhao Hengcheng believes that at present, the rate of return on financial investment is decreasing, and people with deposits lack good investment channels. At the same time, they find that the income brought by real estate is obviously lower than expected, and repaying loans in advance is a "timely stop loss" to a certain extent.

　　In Zhao Hengcheng’s view, banks are also one of the "pushing hands" of the "early repayment tide". Banks set many restrictive conditions for repaying loans in advance, such as paying liquidated damages, closing online channels, and long queues. He explained, "This restriction of banks will not only reduce everyone’s willingness to repay, but will stimulate everyone’s willingness to repay. Many people will have an idea of opposing interests: ‘ The more banks do this, the more worried they are about my repayment, and the more they will earn my interest, so they have to pay it back. ’”

　　In view of some repayment restrictions of banks, Zhao Xiuchi believes that according to the loan contract, early repayment by buyers will disrupt the bank’s capital plan, and it is normal for banks to charge a certain amount of liquidated damages, but there should be clear terms in the loan contract. She also pointed out that buyers have to wait a long time for prepayment, but there are more prepayment at present, so banks should improve their work efficiency and should not delay borrowers’ prepayment under an excuse.

　　Experts suggest lowering the interest rate of stock mortgage.

　　At present, many people are waiting to see whether to repay the loan in advance. In fact, not everyone is suitable for repaying loans in advance, and many experts call for "rational repayment".

　　Zhao Hengcheng pointed out that at present, these types of people are more suitable for repaying loans in advance. First, they have funds in their hands, but they have not found a good investment channel; Second, people with higher mortgage interest rates, especially those who are above 6% or even close to 7%; Third, for people with short repayment period, interest often accounts for the main part in the early repayment. He also pointed out that if the buyers have repaid the loan for more than a certain period of time, the interest part of the outstanding loan is very limited, and early repayment will not greatly reduce the cost of using funds.

　　At present, calculating how to repay the loan in advance is more cost-effective and has become a "compulsory course" for many property buyers. Generally speaking, there are three modes of prepayment, namely, prepayment in full, prepayment in part with the same loan term, and prepayment in part with shortened loan term. How much interest can be saved by repaying the loan in advance has a great relationship with the loan amount, prepayment ability, mortgage interest rate and repayment period of the buyers.

　　For example, property buyers borrow 1 million yuan from the bank at a loan interest rate of 4.3%, and the loan period is 30 years. Among them, according to the repayment method of equal principal and interest, they need to repay 4,948.71 yuan every month, with a total repayment amount of 1,781,500 yuan. Many banks stipulate that buyers can only repay in advance after one year. According to the calculation of repayment for 13 months, early repayment will be started in February this year, and one-time repayment can save 731,800 yuan in interest. If you choose to repay 200,000 yuan in advance and the repayment period remains unchanged, you can save 149,200 yuan by choosing the repayment method of equal principal and interest in the future, and you can save 246,600 yuan by choosing the method of average capital. Buyers still pay 200,000 yuan in advance, and the monthly payment amount remains unchanged. If the repayment period is shortened to 10 years, the repayment method with equal principal and interest will save 550,600 yuan, and if the repayment method in average capital is selected, the interest will be saved 562,600 yuan.

　　If the home buyers have a long repayment time, the interest that can be saved will also change obviously. Still under the above conditions, the buyer has already paid off the loan for 8 years and 1 month, so paying off in advance at one time can save 456,500 yuan; If 200,000 yuan is repaid in advance and the repayment period is shortened to 10 years, 307,900 yuan can be saved by choosing the same principal and interest, and 317,700 yuan can be saved by choosing average capital.

　　"Repaying the loan in advance can’t blindly follow the trend." Zhao Xiuchi also pointed out that the loan contracts of homebuyers vary widely, which need specific analysis. From a personal point of view, it is really necessary to repay the loan rationally, not only considering one’s affordability, but also considering the future changes in mortgage interest rates and making a comprehensive judgment.

　　Many people in the industry and experts told reporters that more people choose to repay in advance in order to cut interest rates. In this regard, some experts suggested: reduce the interest rate of existing loans or allow buyers to convert fixed interest rates into floating interest rates.

　　"As long as the mortgage interest rate is higher than the wealth management interest rate, as long as the house price is still falling and the residents expect the house price to fall, the motivation to repay the loan in advance will always exist." Li Yujia predicts that in the future, more cities will cancel the lower limit of mortgage interest rate, especially those with falling house prices. On the one hand, it is to shrink the inversion between mortgage interest rate and wealth management interest rate; On the other hand, it is to reduce the mortgage interest rate to cushion the decline in house prices. At the same time, the recent property market policy has turned more to demand-side bail-out, with the aim of encouraging everyone to buy houses and alleviating the expectation of falling house prices.

　　In addition, Zhao Xiuchi also suggested that, from the perspective of national policy, buyers who originally chose a fixed interest rate for existing loans should be allowed to switch to a floating interest rate based on LPR.

　　(At the request of the interviewee, Chang Wei, Zhang Ran and Sha Sha are pseudonyms)

　　Zhongqingbao Zhongqingwang Trainee Reporter Zhao Limei Jia Jiye

Poster of the movie "Operation Moscow"

The infamous "China-Russia International Robbery" featured by Time Network has once again been put on the big screen-the film "93 International Train Robbery: Moscow Action" co-starred by Han Sanping and Andy Lau and directed by Qiu Litao, Zhang Hanyu, Andy Lau, Huang Xuan, Janice Man and Jason Koo.

The film was adapted from a real event, which attracted widespread attention in the early 1990s and has been adapted into a film and television drama for many times. Four days after the film was released in China, the box office has exceeded 200 million. Many action scenes in the film are quite popular, but there are also some scenes in which female characters are violated, which cause controversy. In fact, in real history, the crime that happened on that train is far more chilling than the film.

Historical pictures of Sino-Russian train robbery

Sino-Russian international train robbery refers to a series of carjacking cases on the international through train between China and Russia in the early 1990s. One of the most serious cases was the 3/4 international train robbery from Beijing to Moscow on May 26th, 1993. This case is often misunderstood and directly regarded as "the Sino-Russian international train robbery", but it is actually only the most representative case among many robberies. This train traveled in Russia for four days and was looted by several gangs, totaling five rounds.

K3/4 train from Beijing to Ulaanbaatar and Moscow, passing through China, Mongolia and Russia, has been in operation since 1960. It is the first foreign-related train since the founding of People’s Republic of China (PRC), leaving Erenhot with a total length of 7,818 kilometers. After Gorbachev’s visit to China in 1989, Sino-Soviet relations gradually normalized, and after the disintegration of the Soviet Union, Russia, which lacked light industrial products, had a great demand for Russian goods, which stimulated the development of Sino-Russian border trade.

At that time, due to the lack of delivery channels, the K3/4 international train from Beijing to Moscow became the most important cargo channel. The originally deserted K3/4 international train has almost become a special train for Sino-Soviet trade. A trip to Russia will become a "million-yuan household", and the great temptation will make a large number of "international profiteers" get on this international train.

This train starts from Beijing Railway Station, and Beijing profiteers account for the majority. Most of them have no "legitimate jobs" or are two laborers released from prison. After six long days and six nights, these lonely and unbearable profiteers began to get familiar with each other in the car, and they became "gangs" from "lone ranger".

These profiteers who owe gambling debts soon discovered a loophole in international trains:

According to the border agreement, the police in China got off when the Erenhot train left the country. Mongolian police don’t get on duty, and they don’t care much about the internal affairs of China people. From China to Moscow for 6 days and 6 nights, there was no police on duty! In addition to Beijing traitors, there are also some Fujian and Shanghai traitors on the train, as well as Zhejiang snakeheads who organize smuggling abroad.

Bonnie and Clyde are real in history.

Beijing profiteers are eyeing South profiteers and Zhejiang snakeheads. They first shoplifted in the train, and later they developed into robbery. Since 1993, they have been robbing, raping and bloodbath international trains with guns and machetes. In the end, it developed into four robbery gangs headed by Newton, Miao Binglin, Zhao Jinhua and Zhu Xingjin.

Zhang Ben Yu is a monk with good language.

In the movie "Moscow Action", Zhang Ben Yu played a handful of Mao and the monk Yuxian played Zhao Na, Janice Man played Zhenzhen and Jason Koo played Miao Ziwen as lovers, and there were thieves and robbers in real events.

Janice Man

Zhao Jinhua and Zhu Xingjin are a group. The male and female robbers are called Zhao Erjie and Zhu Sange by people on the street. Zhao Jinhua, a woman from Northeast China, was an ordinary profiteer at first. Later, she found that train robbery was more profitable than dumping goods, so she joined Zhu Xingjin’s gang and finally became Zhu Xingjin’s concubine, becoming another leader of this cargo robber.

Zhao Jinhua’s success depends not only on her beauty, but also on her ability. Knowing the importance of human relations, she once spent $3,000 to bail out another robber leader, Miao Binglin, from the Russian police.

The main gangs of the Sino-Russian train robbery

From then on, she got along well with the robbers. As long as people in other gangs see a pack of Emerald cigarettes on the balcony table, they will know that this is Zhao Jinhua’s fat sheep, and no one dares to rob her.

Zhu Xingjin, Zhao Jinhua’s concubine, was originally a profiteer, earning hundreds of thousands in the early days, but lost all his money by indulging in gambling. Zhu Xingjin could not return to China and simply robbed Chinese people for a living, and gradually cultivated his own power on the K3 train.

Newton was born into a wealthy family in Beijing, and was robbed of money several times after he became a profiteer. Just like Shao Xun, he was forced to join the crime. Newton, who was gentle and gentle, gradually lost his conscience after several crimes and became more and more unscrupulous. He was also cared for by Zhao Jinhua. According to the memory of a robber who was arrested, Zhao Jinhua helped Newton tell him which box had an oil-water scraper and taught him to use a gun. Newton used a revolver gas gun, while Zhao Jinhua used a May 4th pistol. She also nudged Newton: "You can’t use this gun, you have to use the real thing."

Miao Binglin was the first of the four to start robbery. He was originally a wanted man, and fled to the international train to create such a frenzied road to wealth. Except Zhao Jinhua, the other three were all born in Beijing. K3 train robbers are mainly from Beijing.

Major case of "Sino-Russian international train robbery"

"March 10 gang rape case". On March 10, 1993, Ms. Gao, a female trade union cadre of a unit in Nanjing, Jiangsu Province, visited Moscow. During the journey of 6 days and 6 nights, this Jiangnan woman was gang-raped by 10 robbers for three times without help. Later, it was found out that the principal offender was Jia Xiaoming, a Beijing traitor.

"April 26th gang rape case". On April 26th, 1993, a female journalist who left her job without pay from a southern province was gang-raped by a group of China robbers as soon as she left Moscow station.

"5.26 extraordinarily serious robbery and rape case". From May 26th to 31st, 1993, the K3 international train from Beijing to Moscow was looted by four robbery gangs after leaving the country. Armed with gas guns, daggers and electric batons, four groups of robbers robbed passports and money of more than 20 China tourists, raped and gang raped three women, and injured and stabbed many others. The amount of money robbed was more than 7,000 dollars, and there were hundreds of thousands of rubles and a large number of RMB and gold jewelry.

The media generally refer to the "China-China Train Robbery", which was the most complicated case and the worst impact among many robberies in that year, and it was also one of the top ten important cases in. Before committing the crime, they pretended to be passengers and accosted them to determine who had money and who brought what goods. After stepping on the spot, they "ordered the road" with their accomplices, colluded with each other and then committed crimes separately.

"Although their gangs commit crimes, whoever grabs the money will be the one. After committing the crime, they will join other gangs to continue committing crimes." Director Ai Anjun of Beijing Railway Public Security Bureau mentioned in his memory.

Stills of the movie "Moscow Action"

According to public information, after the train left the border of China, the China police got off according to the regulations, but the Russian and Mongolian sides did not equip the train with police forces. Robbers who rob trains often hold deadly weapons, robbing them box by box. Male travelers who refused to hand over their belongings were beaten, forcibly searched and turned over their luggage, while female travelers were asked to take off their clothes and "hand over" the money hidden in their underwear. Treating passengers who resist or jump out of the window, gangsters are armed and hurt, and even stop the train and get off the train to chase and chop.

According to the memories of the passengers at that time, because most of the people on the train were from China who were looking for gold in Russia, the gangsters would have scruples at first, but in the end, they simply showed no mercy, and even acquaintances would be robbed. Especially during the "Great Robbery between China and Russia", train passengers were robbed repeatedly, and the money, jewelry and materials carried by the passengers were looted, which can be described as eating and squeezing.

At that time, the international influence was so bad that many passengers were afraid to take this train again. After joint investigation by China and Russia, from February to June, 1993, four major criminal gangs committed more than 100 crimes on international trains and Moscow, and robbed property worth several million yuan.

In October 1993, the police in China smashed several criminal gangs and arrested more than 70 suspects, but a few escaped and fled to Europe. Four gangs and other scattered robbers, a total of more than 60 people, were sentenced after trial.

Among them, 31 people were sentenced to life imprisonment or more (including death penalty) and 14 people were sentenced to fixed-term imprisonment of more than 10 years. In October of the same year, Interpol issued a red wanted order, and a group of important people, Zong Liyong, was wanted all over the world. In April 1994, all four criminal leaders were sentenced to death.

Those train robbers who have been on the run for more than ten years

In the Sino-Russian train robbery, some criminals fled for more than ten years, but in the end, the justice of the earth was long and sparse.

On June 25th, 2011, 52-year-old Jia Xiaoming entered the police’s field of vision dramatically in the "Clean Net Action" conducted by Guilin police. According to the report from the public, the police found that a middle-aged man living in Ludi Road, Diecai District, Guilin City, had been hanging out in the chess room and game room all the year round, and his behavior was very suspicious. In a game hall frequented by it, the police controlled it on the spot.

Subsequently, through online comparison, the police confirmed that the man was the fugitive suspect wanted by the Ministry of Public Security for 18 years and participated in the 1993 Sino-Russian train robbery.

When he was arrested, he was asked by the police. Jia Xiaoming always insisted that he was a native of Guilin, but he could not tell the date of birth on his ID card. In the end, the local police asked a question with Guilin’s unique pronunciation, which made Jia Xiaoming, who was at a loss, completely exposed.

Jia Xiaoming, who was captured after years of escape.

Jia Xiaoming, a Beijinger, went to Tongxian County to jump the queue after graduating from high school. After returning to the city in 1978, he was assigned to work in a factory. In 1979, Jia Xiaoming was reeducation through labor for two years for pickpocketing. After reeducation through labor, there has been no proper job. Later, he started a self-employed business in Dongdan area, mainly selling clothes. In the meantime, he married a woman who was 10 years younger than himself and had a son.

In 1990, Jia Xiaoming found that many people around him began to get on international trains to pour clothes to Russia, and made a lot of money. He joined the team that went to Russia for gold. In 1991, Jia Xiaoming paid someone to apply for a passport to Hungary in the name of studying abroad. Before going abroad, he and his wife went through the divorce procedure.

"I entered the leather jacket from Muxiyuan at that time, and I could make a net profit of more than 10,000 when I ran down!" After being arrested, he talked about the experience of being a traitor, and Jia Xiaoming showed a smug smile at his mouth.

He claimed that his passport expired in 1992 and he returned to Beijing. Because he had relatives in Guilin, he decided to temporarily go to Guilin for development. "After I stayed in Guilin for a while, I also heard from my parents that a public security department came to find me at home. At that time, I thought it must be because I was found stealing Russian wallets." Jia Xiaoming said.

When he lived in seclusion in Guilin, Jia Xiaoming stopped using his own name. Because he was afraid to find a job, he started a small business with more than 20,000 yuan in cash brought from home and opened an account in the name of his cousin. "I have opened a restaurant and worked in a shampoo room. They are all colorful and earn a lot of money." Jia Xiaoming said.

A few years ago, when he was playing cards in the chess room, he met a woman 13 years younger than himself and soon lived together. After being arrested, Jia Xiaoming insisted that he had never participated in a train robbery. "There was no such thing on the train at that time, and I have never heard of it, really."

In 2012, the Beijing Railway Transport Intermediate Court made a first-instance judgment on Jia Xiaoming, a former international train series robbery and rape case who had absconded for 18 years. The court found Jia Xiaoming guilty of robbery, sentenced him to life imprisonment, deprived him of political rights for life, and confiscated all his personal property; He was convicted of rape and sentenced to 15 years in prison and deprived of political rights for three years. Combined punishment for two crimes, decided to execute life imprisonment, deprived of political rights for life, and confiscated all personal property.

On the afternoon of July 22, 2011, a man kept looking around in the waiting line at the exit of T3 terminal of Capital Airport. When going through the exit formalities, the man hesitated and handed his passport to Xiao Wang, a border policeman. It was this action that made the border policeman alert. Xiao Wang found that the man’s passport was named "Li Yong", but the exit card was filled with "Zong Liyong". Looking up the name in the system, the computer shows "wanted criminal of the Ministry of Public Security".

According to reports, at that time, the duty room had quietly arranged a control area to prevent men from escaping. The policeman asked, "Your name? Who is Zong Liyong? " Hearing the words Zong Liyong, the man immediately shouted loudly and said emotionally that he was an Australian and the police had no right to detain him.

Pictures of Zong Liyong who was wanted in his early years.

Among the things that Zong Liyong carried with him was a calendar. He told the border police that this was to remember the days, and to escape for so long was to count the days.

Zong Liyong used to be very famous. He had a nickname "Dongcheng Laoqi", and he was very powerful among Beijing profiteers who went to Moscow. Eighteen years ago, with the dream of making a fortune, he went to Moscow to apply for a passport in the name of studying abroad and became a "profiteer".

After the robbery, Zong Liyong was a fugitive and almost traveled all over Europe. He changed his name to "Li Yong" and sneaked back to China in 2006. Zong Liyong was afraid of being exposed, so he didn’t dare to look for a job and always made a living by gambling.

The day he was arrested, he planned to go to Macau to gamble, but when he went through the exit formalities, he accidentally filled in his real name on the exit card.

On August 28th, 2011, Wuxiang Square, Qingxiu District, Nanning, Guangxi, was holding a charity event to donate money for poor students. Lin Yonghai, a famous local philanthropist and millions of wealthy businessmen, was invited to be present. In this charity event, "Lin Yonghai" will, as always, donate generously, and the scene is filled with deep warmth.

Shao Xun

Suddenly, several plainclothes men with Beijing accent quietly entered the activity site, and after showing their police ID cards in front of Lin Yonghai, they said, "After 18 years, we finally found you. Come with us."

A few days later, Lin Yonghai’s true identity was made public, which shocked the whole country. This Lin Yonghai is another fugitive Shao Xun who participated in the Sino-Russian train robbery.

On February 9, 2012, the Beijing Railway Transport Intermediate Court publicly pronounced a verdict on Shao Xun, a suspect in the Sino-Russian train robbery. The court ruled that Shao Xun was found guilty of robbery, but he voluntarily returned compensation and pleaded guilty, so he could be given a lighter punishment and sentenced to 15 years in prison.

Adaptation of film and television works of Sino-Russian train robbery

Lv Liangwei version of "The Great Train Robbery between China and Russia"

In 1995, Emei Film Studio joined forces with Jiahe Film (Hong Kong) Co., Ltd. and New Hong Kong Film Company. According to the detection process of this case, the film "Ten Mysteries in China: The Great Train Robbery between China and Russia" was produced, and the script was written by police officer Ai Anjun (mentioned above) who participated in the detection of the case. At that time, there were many studios interested in participating in this project, and it was finally decided to be filmed by Emei Film Studio in conjunction with Hong Kong, starring Michael Mak and Lv Liangwei.

In 2012, CCTV-12 channel produced the Franco-Prussian drama "China-Russia Train Robbery" based on this case. In 2018, the Chinese mainland TV series "Moscow Action" starring Xia Yu and Una was also based on this case.

Summer Rain Edition of Moscow Brothers TV Series

At the premiere of the new film "Moscow Action", Ai Anjun, the witness of the Sino-Russian train robbery and the original author of the documentary report "The Sino-Russian International Train Robbery", visited the scene personally.

After watching the movie, he said excitedly that the film seemed to take him back to 30 years ago: "I am a witness, a participant and a comprehensive recorder. Some of the witnesses at that time are gone, but these stories are in my heart."

　　(Reporter Yu Chunfeng, Liu Guodong) On July 10th, the Audit Committee of the 12th Municipal Party Committee held its third meeting to study and implement the spirit of the important speech made by General Secretary of the Supreme Leader at the first meeting of the 20th Central Audit Committee, to review the audit report on the implementation of municipal budget and other financial expenditures in 2022, the evaluation index system for the natural resources assets of leading cadres (for trial implementation), and to study and deploy the city-wide audit work.

　　Chen Miner, Secretary of the Municipal Party Committee and Director of the Audit Committee of the Municipal Party Committee, presided over the meeting and delivered a speech. Zhang Gong, Deputy Secretary of the Municipal Party Committee and Mayor, members of the Audit Committee of the Municipal Party Committee and relevant municipal leaders attended the meeting.

　　The meeting pointed out that audit is an important part of the party and state supervision system and an important force to promote the modernization of the national governance system and governance capacity. It is necessary to thoroughly study and implement the spirit of the important speech made by General Secretary of the Supreme Leader at the first meeting of the 20th Central Audit Committee, profoundly grasp the historic achievements and changes in audit work since the 19th National Congress of the Communist Party of China, turn the political achievements of "two establishment" into the political consciousness of resolutely implementing "two maintenance", and ensure that the audit work always follows the direction guided by General Secretary of the Supreme Leader. Deeply grasp the general requirements for doing a good job in the audit work in the new era and new journey, focus on building a centralized, unified, comprehensive coverage, authoritative and efficient audit supervision system, and give full play to the role of audit supervision, so as to truly follow the lead. Deeply grasp the key tasks of this year’s audit work, focus on the primary task of high-quality development, stabilize growth, stabilize employment and prices, develop the real economy, promote the bottom line of people’s livelihood, coordinate development, standardize the operation of safety and power, and increase audit supervision. Deeply grasp the objectives and requirements of audit self-construction, inherit the glorious tradition and fine style of audit, shape professionalism, improve professional ability, and build a team of high-quality professional audit cadres who are loyal and clean.

　　The meeting stressed that the city’s audit institutions should be based on the orientation of economic supervision, focus on the main business, comprehensively improve the overall effectiveness of audit supervision, and promote the high-quality development of audit work in the new era. Further enhance the political and strategic positions, improve political judgment, political understanding and political execution, be good at thinking about problems from the overall situation and the overall situation, be good at observing and analyzing the economic and social problems discovered by the audit with a political eye, and earnestly do what the party’s work focuses on, and audit what it wants to ensure that the order is prohibited. Further highlight the key points of work, carry out audits around the implementation of major decision-making arrangements, the management and use of financial funds, the prevention and resolution of major risks, the protection and improvement of people’s livelihood, and the standardized operation of power, promote the implementation of the spirit of the 20 th Party Congress and the Central Economic Work Conference, and promote the "Ten Actions" in our city. Further strengthen the application of results, promote the "second half of the article" of audit rectification and the "first half of the article" of audit disclosure, make great efforts to make rectification in place and draw inferences from others, take the supervision of audit rectification as an important starting point of daily supervision, strengthen the coordination between audit supervision and other kinds of supervision, and give full play to the role of audit in "treating the disease and preventing the disease".

　　The meeting demanded that party committees at all levels in the city should improve their leadership over the audit work, attach great importance to and fully support the audit work, and the main responsible comrades should personally grasp and manage it, give full play to the role of the audit Committee in taking the lead in overall planning and coordination, and effectively implement the party’s leadership throughout the audit work. It is necessary to promote the modernization of auditing, adhere to auditing according to law and strengthening auditing through science and technology, and improve the level of informationization and accuracy of auditing. It is necessary to comprehensively and strictly manage the party and the trial, carry out in-depth thematic education, strictly educate, manage and supervise audit cadres, and always maintain a clean and honest political nature.

　　Xinhua News Agency, Beijing, October 9th Question: Another batch of scenic spot tickets have been reduced in price. How to improve the tourist experience?

　　Xinhua News Agency "Xinhua Viewpoint" reporters Ke Gaoyang, Shao Luwen and Zhai Zhuo

　　The General Office of the State Council recently issued an opinion on further stimulating the potential of cultural and tourism consumption, demanding that the price of tickets for state-owned scenic spots be further reduced. During the National Day holiday, Xinhua Viewpoint reporter found that the price reduction of tickets in state-owned scenic spots has been carried out for more than a year, and the price reduction intensity and scope of tickets in various scenic spots have been increasing. But at the same time, there are still some scenic spot price reduction policies that are not implemented in place. It is particularly noteworthy that in the case of price reduction, the management of some scenic spots has not kept up, and the service is inconvenient, which affects the tourist experience.

　　Some scenic spots have been lowered and even opened for free, and individual scenic spots have not been implemented in place.

　　The price reduction of tickets for state-owned scenic spots started in 2018. The reporter noted that with the continuous advancement of the work, the price reduction of tickets in scenic spots around the country has further increased. Since October 1st this year, 20 scenic spots in Fujian Province, including Guanzhi Mountain in Liancheng and Da ‘anyuan in Wuyishan, have implemented price reduction, with an average price reduction rate of 21.55%. Suzhou Qilishantang Scenic Area cancels the original ticket of 45 yuan and opens it to tourists free of charge.

　　On the basis of last year’s price reduction, other scenic spots launched a second price reduction or other preferential policies for ticket purchase. The Longmen Grottoes Scenic Area in Luoyang has implemented time-sharing and phased preferential activities for the surrounding areas and provinces in China for a specified period of time. During the preferential period, the tickets were reduced from 90 yuan to 60 yuan. On the eve of the "Eleventh" this year, 38 4A-level state-owned key scenic spots priced by the government in Anhui Province lowered their ticket prices. Among them, 19 scenic spots, including Langya Mountain in Chuzhou and Taohuatan in Xuancheng, made a second price reduction on the basis of price reduction in 2018. According to the preliminary calculation of Anhui Development and Reform Commission, after the price reduction, it will benefit 3.5 million tourists every year and reduce the spending on tourist tickets by more than 30 million yuan.

　　At the same time, the coverage of price reduction scenic spots has been further expanded. Since 2018, a total of 100 scenic spots in Henan Province have implemented price reduction or free of charge. At present, 12 of the 13 5A scenic spots in the province have introduced price reduction measures, accounting for 92% of the total 5A scenic spots.

　　In addition, some scenic spots also reduce the price of supporting services to reduce the economic burden of tourists. From October 1 this year, the one-way fare of Buyun Cableway in Meihuashan, Longyan, Fujian Province was adjusted from 106 yuan to 85 yuan; Peach Blossom Island Cable Car in the Three Gorges Scenic Area of the Yellow River in Henan Province has also been reduced in price, and the round-trip fare has been reduced from 90 yuan to 70 yuan.

　　However, there are also scenic spots that have not been implemented after announcing price cuts. National 5A scenic spot — — Last October, Longtan Grand Canyon Scenic Area announced that it would reduce the ticket price from 85 yuan to 80 yuan. However, when the reporter recently purchased tickets through the scenic spot official website and the official WeChat WeChat official account, he found that the ticket purchase page still showed that the fare was 85 yuan. Why hasn’t the price of online shopping tickets come down after a year of price reduction? The reporter consulted the operation department of the scenic spot in this regard, and the staff said that they "don’t understand the situation".

　　After the price reduction, the popularity is bullish, and some scenic spots are spit out, which is messy, disorderly and inconvenient to pay.

　　Some scenic spots have become increasingly popular after playing "price reduction cards" and "free cards". At the end of September this year, tickets for Wulongtan Park in Jinan, Shandong Province were cancelled, and the park was integrated with Daming Lake and other landscapes, forming a more complete spring tourism route and landscape. During the first National Day holiday after free opening, Wulongtan welcomed a total of 195,000 guests, more than doubling compared with the same period of last year, and the popularity-driven effect was obvious.

　　After the ticket price is reduced, the number of tourists increases. How to ensure that the service quality is not "discounted"? This is a challenge faced by many scenic spots in the "post-ticket era". During the "Eleventh" period, the reporter found that some price reduction scenic spots attracted a large number of tourists because of preferential prices, but the management ability did not improve accordingly, which led to overloaded passenger flow, messy hygiene and disorderly tour, and poor experience of being spit out by tourists.

　　After the ticket price of Long Ting Park in Kaifeng, a 4A scenic spot, was adjusted in 2018, the ticket price was reduced from 45 yuan to 35 yuan. The reporter saw in the scenic spot on the morning of October 4 that there were more tourists visiting in the rain. Some sections of the park are muddy due to rain, and there are many cigarette butts, plastic bags and other sundries on the stone steps leading to the Long Ting Hall. There are no garbage bins and no staff to clean them around. Ms. Luo, a tourist from Nanjing, said: "Looking at so much garbage, I have no interest in visiting at all."

　　In 2018, Shanxi Jinci Scenic Area reduced the ticket price by 15% according to the unified requirements of the higher authorities. During the National Day, reporters saw tourists here, and many "black tour guides" and "black explanations" in the scenic spot openly solicited business, but the quality of explanations was not high. A "black tour guide" said that they are all residents around who come to earn extra money. The explanations are found on the Internet, so just deal with them casually. "Anyway, the scenic spot is also turning a blind eye."

　　On social networks, many tourists complain that the service convenience of some famous scenic spots is insufficient, and the ticket window only charges cash, which delays tourists’ time and increases congestion.

　　"I didn’t expect that mobile payment is so popular now, and the ticket office in the scenic spot only accepts cash!" On October 3, the reporter saw at the ticket office of Pingyao ancient city that there were long queues in front of several windows, but the staff only accepted cash and didn’t prompt in advance. Mr. Ding, a tourist from Zhejiang, said that he had already opened the payment code paid by WeChat in advance when he was waiting in line. He thought that he could buy the ticket in a few seconds, but he was told that he only accepted cash when he got to the window, so he had no choice but to find someone to change money everywhere and queue up again to buy the ticket.

　　Reducing the "ticket dependence" forces the scenic spot to improve service quality and innovate management.

　　In view of the problem that the price reduction of some scenic spots is not implemented in place, experts suggest that relevant departments further strengthen the supervision of ticket prices, promote the ticket prices of state-owned scenic spots to gradually return to a reasonable range, reduce the travel costs of tourists, and promote the sustained and healthy development of scenic spots and tourism industry.

　　Wang Chenguang, director of the Cultural and Tourism Research Center of Shandong University, said: "Subtracting the ticket price is adding the popularity of the scenic spot and multiplying the tourism industry." After the ticket price reduction, although the income of the scenic spot will be reduced in the short term, it will bring a large number of passengers. Tourists will put their money into consumption such as food, catering and special performances, so that the scenic spot can get more comprehensive benefits.

　　Statistics released by Jinan City show that in just four months after Daming Lake was opened for free, the number of tourists increased by 472%, which led to a substantial increase in the number of tourists staying overnight in Jinan, and the consumption of surrounding restaurants and shopping surged.

　　Wang Chenguang said that it is not difficult to calculate the "small account" of reducing the ticket price and the "big account" of the tourism economy. Only by reducing the price of scenic spots or normalizing them for free can we force scenic spots to quit "ticket dependence" and transform global tourism so that the broad masses of people can "want to travel", "can travel" and "dare to travel".

　　Yang Yanfeng, director of the Online Tourism Research Center of Beijing Union University, believes that at present, the problems of inefficient management of some scenic spots and the price of goods in scenic spots are still outstanding, and it is urgent to further improve the service quality and business innovation ability.