＂the first person in the college entrance examination for the blind＂： reading medical records with a magnifying glass for Chinese medicine majors

　　(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")

The first person in the college entrance examination for the blind: studying Chinese medicine and reading medical records with a magnifying glass

　　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.

The first person in the college entrance examination for the blind: studying Chinese medicine and reading medical records with a magnifying glass

　　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.

What kind of chain is the blockchain？ Read it thoroughly in five minutes

Science and Technology Daily reporter Liu Yuanyuan
During this time, it is estimated that you have read a lot about the application prospect of blockchain, and may also ponder the market trend of some blockchain concept stocks.
But if I’m right, you may still be unclear.Blockchain What kind of chain is it?
Today, let’s start from the moment when the blockchain fell to the ground and make it clear and clear.
The genius idea of mysterious geek
Speaking of blockchain, I have to mention its twin brother-bitcoin.
Go back in time to exactly 11 years ago. On November 1, 2008, the world was shrouded in the huge shadow of the financial crisis. That day, a mysterious geek who called himself "Satoshi Nakamoto" sent an e-mail.
Attached to the email is a paper entitled "Bitcoin: A Peer-to-Peer Electronic Cash System".
Satoshi Nakamoto said in his email that he is studying a new electronic cash system, which is completely peer-to-peer and does not need any trusted third party. About half a month later, Satoshi Nakamoto released the source code of Bitcoin system non-stop.
On January 3, 2009, an interesting invention was born. Satoshi Nakamoto has generated the first bitcoin block on the server, which is the so-called "Bitcoin Creation Block". Since then, the Bitcoin system has officially opened.
Having said that, we might as well stop and think about how we conduct cash transactions in real life.
Suppose you borrowed 10,000 yuan from a friend and promised to pay it back one month later, you might choose to transfer the money by bank card. The bank is responsible for subtracting 10,000 yuan from your deposit account and adding 10,000 yuan to your friend’s deposit account.
Here, the bank is the institution responsible for bookkeeping. The potential reason why you choose bank transfer is that you believe it is reliable and will help you transfer 10 thousand yuan to your friends.
However, in the digital world, inventing a currency is another matter.
The hero behind the bitcoin game
Next, let’s see how Satoshi Nakamoto designed this digital currency game.
First of all, Satoshi Nakamoto wants direct peer-to-peer transactions, bypassing the bank as a third party. This problem is easy to handle, so there is no bank. Users issue their own currency through a unique mechanism and trade directly with each other.
But this brings another problem. There is no bank as a reliable intermediary to keep accounts, and users don’t know each other. How can we ensure that no one cheats when trading?
For example, in the digital world, electronic files can be easily copied. In digital currency with 10 yuan, copying and pasting with the mouse for 10 times will become 100 yuan. Isn’t it a mess?
To solve this problem, we need to provide a mechanism for everyone to trust each other.
The method adopted by the Bitcoin system is to make all transactions recorded openly and transparently in chronological order. These records are permanent and cannot be tampered with. So you can’t do something sneaky.
With these mechanisms, the Bitcoin system has successfully operated.
This systemStoring data in Blocks is called a block.. About every 10 minutes, new blocks will be added. Each block records the detailed transaction process of Bitcoin with a time stamp.Different blocks are connected by some algorithm in chronological order, which is a Chain.
Together, they are called "Blockchain".
In this way, the blockchain took root with the birth of Bitcoin.If Bitcoin is a star in front of the stage that attracts attention, the blockchain is the behind-the-scenes hero responsible for providing trust mechanism in the underlying technology.
A new change in the way of accounting.
Although behind the scenes, the talent of blockchain was quickly excavated.
In technical terms,Blockchain is a distributed ledger technology.. To understand it, let’s give the simplest example.
Suppose that your family keeps accounts like this: you, your father and your mother have separate account books, and you keep separate accounts of your expenses. At the end of each month, you can count the total household expenses together.
But dad likes to buy cigarettes, mom likes to buy cosmetics, and you like to buy snacks. You may all forget a few items intentionally or unintentionally, and sometimes you will alter them on the books. Therefore, when checking the books at the end of the month, it is always a little different from the actual expenses at home.
In order to change this situation, you bought a new account book. You, your father and your mother use a new account book to keep accounts, remind each other, supervise each other, and check each expense together.
At the same time, you also agreed that once the expenses are checked and recorded, they are not allowed to be altered or deleted. After trying for several months, you find that this common ledger is much more in line with the actual expenses at home.
Blockchain belongs to the second accounting method. The short story above tells us that it has at least so many advantages or benefits.
First of all, it is decentralized. In the past, the database maintained by one party has become a multi-party joint maintenance. Everyone writes data together by consensus, and no one can control the data alone.
Secondly, it makes everyone change from keeping separate accounts to keeping accounts together, which brings consistency and transparency of data.
In addition, the blockchain only allows data to be written, and it is not allowed to be deleted or modified, which can prevent data from being tampered with secretly.
Mutual trust between strangers
In reality, many scenarios are much more complicated than how to keep accounts at home. Moreover, some links in financial transactions and business processing are mostly operated by strangers. How can we make everyone trust each other?
This is the turn of the blockchain to show its talents. Don’t forget, it can provide a mechanism for people to trust each other from the underlying technology.
For example, when you go to the vegetable market to buy things, you may worry about whether fish, shrimp and vegetables are safe. Some companies see business opportunities and move the data of farmers and fish ponds to the blockchain. In this way, you can know which fish pond the fish you bought comes from, and you will eat more safely.
For another example, there are often links in the circle of friends to raise money for seriously ill patients. When donating money, you may have some concerns: Is the patient’s condition true? Can donations really reach patients?
In order to eliminate these concerns, some Internet public welfare organizations have used the blockchain, so that you can clearly see the steps of using donations. If the audit finds that the patient’s condition is not true, the blockchain system will automatically refund the donation to your account.
In the future, what changes can blockchain bring to our lives?
It is conceivable that when the blockchain is widely used in various fields of society, it will become an important infrastructure in the information age and can solve many current headaches.
For example, blockchain will make countless islands of information "chained" together.lookThere is no need to repeat the examination because of changing hospitals, and entrepreneurs don’t have to run multiple departments in order to run a procedure;Many transactions no longer need third-party guarantee, consumers no longer worry that the deposit can’t be refunded, and creators don’t have to worry that their works are stolen but get nothing …
The blockchain that was born 10 years ago,
What kind of new world will open up in 10 years?
The iceberg is just the tip of the iceberg,
Let’s keep looking forward to it!
Source: Science and Technology Daily The pictures in the article are all from the Internet.
Reporting/feedback

The National Disaster Prevention, Mitigation and Relief Committee guides Henan to improve the emergency response level of national disaster relief and do a good job in disaster relief for severe flood

National Disaster Prevention, Mitigation and Relief Committee promotes national disaster relief and emergency response in Henan.

Response level Guide to do a good job in disaster relief and assistance for severe floods.

sevenmoon25On, the National Committee for Disaster Prevention, Mitigation and Relief upgraded the emergency response level of national disaster relief to the third level in response to the recent severe rainstorm and flood disaster in Henan Province, coordinated relevant departments to continue to intensify their work, and guided and supported local governments to do a good job in disaster relief work such as basic living security for the affected people.

These young people line up to ＂repay the loan in advance＂. What is the problem？

　　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

Today’s Film Review ｜ Do you also want an artificial intelligence robot？

Special feature of 1905 film network She is like a human being but reveals something strange. She can bring warmth and fear to children. She is Megan, an artificial intelligence robot. Once the sci-fi thriller movie was released, it immediately caused a heated discussion. In addition to discussing the source of fear of artificial intelligence, it also questioned whether robots can really replace human companionship. Can artificial intelligence really replace human functions?


Recently, ChatGPT, an artificial intelligence chat robot program, has become one of the hottest topics on the Internet. Netizens found that many questions can be answered by ChatGPT, and even at some moments, this chat robot seems to have passed the Turing test, giving people the illusion that they are talking to people. But this "truth" has made many people feel horrible.


The artificial intelligence dolls in Megan are just like the materialized ChatGPT. The film tells the story that Katie, an 8-year-old girl, lost her parents unexpectedly, and menstruation Gemma took office as her new guardian. However, Gemma was not sure that she could be competent as a parent, so she paired Megan with Katie, trying to get Megan to take care of her life and meet her emotional needs, but unexpectedly things got out of control with Megan’s "awakening".


Megan’s appearance in the film did make up for Katie’s missing affection to some extent. Xu Liying, an assistant professor in Tsinghua University, analyzed: "Megan actually provided Katie with an alternative intimacy. In the movie, Megan reminded Katie to pay attention to flushing after she went to the toilet, washed her hands after flushing, and reminded Katie to cover the quilt before going to bed, all of which reflected that Megan played Katie’s parents to some extent. Such a role. "


The movie Megan not only describes the intimate relationship, but also adds the thriller element, which makes people think of movies with the same artificial intelligence theme. Adding the thriller element or background to the intimate relationship is actually more conducive to the audience’s sense of substitution, thus making the thriller atmosphere and plot created by the movie more realistic. At the same time, from the perspective of the horror valley theory, the closer a creature is to human appearance, the more it can arouse human fear of it. In this respect, Megan can be said to have both of these points.


Coincidentally, in the movie released in 2013, the protagonist T-Bag was still shrouded in the haze of the broken marriage. By chance, he came into contact with the advanced artificial intelligence operating system OS1, and fell in love with the voice of "her" in the system. The system became a "woman" named Samantha to communicate with T-Bag, and the two chatted happily and quickly became good friends who talked about everything. With the deepening of the communication, they became friends.


Megan in the movie is the same as Samantha, and their appearance makes up for the intimate relationship that the protagonist lacks in real life. Katie lost her parents in a car accident, and she is in a fragile stage that needs companionship and comfort. Megan can listen, observe and learn human behavior, simulate human emotions and become a friend and caregiver of human beings. Her appearance naturally replaces the functions of her lost parents. Samantha can constantly enrich her consciousness and feelings through dialogue with human beings and become a spiritual friend of human beings, and her arrival just makes up for the absence of T-Bag’s wife. However, the development of things is not as beautiful as a pantomime. In the process of taking care of Katie, Megan developed self-awareness and made some extreme behaviors. Samantha also decided to leave after a high degree of evolution, leaving a sad Theodore alone.


Even though artificial intelligence can give human care and warmth to a certain extent, in the final analysis, those companionship and emotional feedback are based on the underlying data codes and predetermined procedures, not real human emotions, and the companionship of artificial intelligence cannot really replace human beings.


Robots as advanced as Megan in the movie can’t completely replace human roles, and artificial intelligence in reality can only serve as an auxiliary function. Between people and artificial intelligence, we should pay more attention to human relations and be people-centered. Just as Katie finally chose menstruation between Megan and menstruation, she also chose human companionship. T-Bag wrote to her ex-wife to inform her that she had accepted the reality of divorce and decided to return to reality.


There will be rain and snow in the central and eastern regions, and the local temperature will drop by more than 10℃

　　Cctv newsAccording to the website of the Central Meteorological Observatory, due to the influence of strong cold air, there will be a large-scale gale and cooling weather from west to east and from north to south in most parts of central and eastern China from 14th to 17th, and the average temperature will generally drop by 4 ~ 8℃. From 14th to 15th, there was light snow or sleet in North China, Huanghuai, Northeast China and other places, and the dividing line between rain and snow was located in Qinling to Huaihe River. The Central Meteorological Observatory issued a gale cooling forecast at 06: 00 on December 14th.

　　Affected by strong cold air, from 14th to 17th, there will be a large-scale gale and cooling weather in most parts of central and eastern China from west to east and from north to south, with the average temperature generally dropping by 4 ~ 8℃. The local cooling range in south-central Inner Mongolia, northwestern Shaanxi, eastern Jilin and eastern Liaoning can reach more than 10℃. In the early morning of the 18th, the daily minimum temperature of 0℃ will be located in central and southern Hunan, central and southern Jiangxi and central Fujian. Among them, from 08: 00 on the 14th to 08: 00 on the 16th, the temperature in the central and western Inner Mongolia, western North China, northeastern Northwest China, central Jilin and eastern Liaoning will drop by 6 ~ 8℃, and the temperature in the south-central Inner Mongolia, northwestern Shaanxi and northeastern Liaoning will reach more than 10℃, and there are 4 ~ 6 winds in most of the above areas (see Figure 1). The Central Meteorological Observatory issued a gale cooling forecast at 06: 00 on December 14th.

　　In addition, on the 14th, the atmospheric diffusion conditions in central and southern North China, northern Huanghuai and Shaanxi Guanzhong are poor, and there will be mild to moderate haze. From the morning of the 15th, due to the influence of cold air, the haze weather in the above areas gradually weakened and dissipated.

　　From 14th to 15th, there was light snow or sleet in North China, Huanghuai, Northeast China and other places, and the dividing line between rain and snow was located in Qinling to Huaihe River. In addition, there are light rains in the eastern part of the southwest, Jianghan, Jianghuai, Jiangnan and South China, and local rains.

　　Future specific forecast:

　　From 08: 00 on the 14th to 08: 00 on the 15th, there was snowfall in the northeast of Huanghuai in North China. There is light snow or sleet in parts of south-central Inner Mongolia, northern and southeastern North China, central and western Huanghuai, central and eastern Northeast China, mountainous areas in southwestern Xinjiang and southwestern Tibet. There are small to moderate rains or showers in Jianghuai, eastern Jianghan, Jiangnan, South China, eastern Southwest China and Taiwan Province; There are 4 ~ 5 winds in central and eastern Inner Mongolia (see Figure 2). There will be 7-8 grades and 9-10 grades of northeast winds in the Taiwan Province Strait, the northeastern South China Sea and the central and eastern seas.

　　From 08: 00 on the 15th to 08: 00 on the 16th, the rainy and snowy weather tends to end. There are small to medium snow or sleet in the eastern part of Northeast China, the northern part of Shandong Peninsula and the mountainous areas in southwestern Xinjiang. There are light rains or showers in eastern Jianghuai, most of the south of the Yangtze River, eastern Southwest China, most of southern China, eastern Yunnan and Taiwan Province; There are 4 ~ 6 winds in central and eastern Inner Mongolia, North China, Liaoning and eastern Shandong Peninsula (see Figure 3). The Taiwan Province Strait, the northeastern part of the South China Sea and the middle east will have a northerly wind with 7-8 grades and a gust of 9-10 grades.

　　From 08: 00 on the 16th to 08: 00 on the 17th, it was rainy in the east of southwest China. There are small to moderate rains or showers in parts of southwestern China, central and eastern Yunnan, eastern Jiangnan and Taiwan Province; There are 4 ~ 6 winds in central and eastern Inner Mongolia, North China, southern Northeast China, Huanghuai, eastern Jianghuai and eastern Jiangnan (see Figure 4). There will be 7-8 northeast winds with 9-10 gusts in the south of the East China Sea, the Taiwan Province Strait, and the east and southwest of the South China Sea, among which the winds in the Taiwan Province Strait can reach 9 and the gusts are 10-11.

Pay attention to disability prevention ｜ improve the level of rehabilitation in all directions and improve the quality of life of disabled people

CCTV News:According to statistics, there are more than 2 million disabled people in China every year. Rehabilitation is an important means to prevent and reduce disability and improve the quality of life of disabled people. In Shanxi, Beijing and other places, government departments have comprehensively improved the level of rehabilitation security for the disabled and strived to improve their quality of life.

Zhang Jinghan, a little girl who is receiving massage therapy, was diagnosed with comprehensive developmental retardation and language development disorder when she was 10 months old.

Last year, she applied for an early intervention and rehabilitation program for disabled children, and received a monthly rehabilitation fee of 2,400 yuan. After nearly a year of rehabilitation training, the little guy has made great progress now.

Zhang Jinghan’s mother, Shi Xuefang:(Now) the child has changed a lot. Before, she couldn’t speak. She couldn’t look at people, neither physically nor intellectually. After taking the intelligence class, she has made great progress. She knows all the colors and can read. It’s quite a surprise.

In Shanxi, like Zhang Jinghan, there are 45,000 disabled children who enjoy rehabilitation training, surgery, assistive devices adaptation and other relief services, and 186 designated institutions for children’s rehabilitation have been identified in the province. For six years in a row, the provincial government has listed "implementing key interventions for disability prevention and rescue rehabilitation projects for disabled children" as a practical matter of people’s livelihood to promote it, and invested more than 25 million yuan in special funds every year.

Gong Cheng, Chairman of Shanxi Disabled Persons’ Federation:Next, we will change the age of children’s rehabilitation from 0-mdash; 6 years old expanded to 0— At the age of 15, more disabled children get effective rehabilitation training.

The rehabilitation of disabled children is urgent, and the rehabilitation of adults with disabilities is equally important. In the warm home of Balizhuang Street, Haidian District, Beijing, from Monday to Friday, dozens of mentally disabled people will have free rehabilitation activities here every day, and medical workers will provide services for them regularly.

At present, the proportion of rehabilitation clinics in Beijing community health service centers has reached 56.8%, 19 public medical institutions have transformed into rehabilitation institutions, and the setting rate of rehabilitation medicine departments in tertiary general hospitals has reached 95%.

Xiao Jiang has an appointment. Innovators say ｜ Zhu Xi： Innovative iteration takes advantage of the situation and strives to become a benchmark enterprise for cultural tourism in Guizhou.

-Background-
The Eighth Plenary Session of the 12th Committee of Guizhou Province of the Communist Party of China pointed out that we should vigorously promote the industrialization of tourism and build a high-quality modern service industry system. On December 31, 2020, the Guizhou Provincial Party Committee and the provincial government issued the Opinions on Promoting the High-quality Development of Tourism and Accelerating the Industrialization of Tourism to Build a Colorful Tourism Province in Guizhou, proposing to promote the coordinated development of tourism industrialization, new industrialization, new urbanization and agricultural modernization, build a world-class mountain tourism destination and a domestic first-class holiday and recreation destination, and promote the construction of a colorful tourism province in Guizhou.
Focusing on how the tourism industry in Guizhou thinks and how to do it, Zhu Xi, president of the Travel Agency and Store Branch of Guizhou Tourism Association, was invited to talk about his blueprint and conception of tourism industrialization in this interview "Xiao Jiang You Yue".
[Name card]Zhu Xi:President of Travel Agency and Store Branch of Guizhou Tourism Association, President of Travel Agency Branch of Guiyang Tourism Industry Association, Vice Minister of United Front Work Department of Guizhou Provincial Committee of Communist Youth League (part-time), Deputy Secretary-General of Guizhou Youth Federation, Vice Chairman of Guizhou Young Photographers Association, member of Young Entrepreneurs Committee of Guizhou Federation of Industry and Commerce.
We look forward to increasing the strength of supporting the excellent and helping the excellent, and building national well-known travel agency enterprises such as 5A travel agency or the top 100 travel agencies in the shortest time, so as to set a benchmark for the tourism image of Guizhou.
-Dialogue-
Xiao Jiang:How long have you been in business? Remember the initial intention of choosing the tourism industry? What do you think of the development prospect of tourism during the 14 th Five-Year Plan period?
Zhu Xi：I graduated from college in 2000 and worked in Guizhou Youth Travel Service for 21 years. I chose the tourism industry because it is full of youth and vitality. Through the "trip to Wan Li Road", I can read the great rivers and mountains of the motherland, link the cultures around the world, give full play to what I have learned, gain rapid growth of myself, and feed back the economic development of my hometown. Nowadays, the business of cultural tourism has become a provincial strategy in Guizhou Province, and the proportion of GDP is increasing day by day, and it has become a pillar industry. I firmly believe that during the "14th Five-Year Plan" period, the whole industry will get high-speed development opportunities, which is a golden age that cannot be missed for individuals and enterprises. Practitioners are United and full of ambitions.
Xiao Jiang:The epidemic has dealt a heavy blow to the tourism industry. What have you done to help your enterprise out of the predicament?
Zhu Xi：Affected by the epidemic, tourism enterprises have experienced a series of shocks, such as business suspension, capital cut-off, personnel loss and so on, and suffered serious losses. However, the tourism industry is full of resilience, firm belief and strong innovation ability, and its overall performance is relatively mature and stable. In addition to helping the industry actively seek policy support, tide over difficulties, organize seminars and training activities to sort out the pain points of the industry, and promote industry self-discipline and product upgrading, I also led Guizhou Youth Travel Service to try online transformation and commercialization transformation, and successively cooperated with Yunshang Guizhou Colorful Bao to build the first e-commerce platform for cultural travel in Guizhou-"Colorful Travel" to meet the needs of tourists who turned to online booking travel based on safety and convenience after the epidemic. And jointly customized the first high-end Wenchuang custom wine-"Jiahe" wine to be promoted and sold to the national travel agency industry with CYTS Alliance, combining the brand influence of Guizhou Maotai-flavor wine with the marketing ability of travel agencies, promoting the emergence of Guizhou goods and promoting the integration of wine and travel. Both work have brought positive effects to the business circulation of travel agencies and the integration of human resources, and prepared for the recovery after the epidemic, which has become a typical case of the transformation and upgrading of travel agencies in the epidemic.
Xiao Jiang:Did the epidemic make the cultural tourism industry in Guizhou iterate? What do you think is the shortcoming of the industry or enterprise now?
Zhu Xi：The epidemic situation has made the business of Guizhou cultural tourism industry, especially tourism enterprises, retrogress, which has restricted the normal development of enterprises. Some enterprises have shut down, and powerful and thoughtful enterprises will actively seek transformation and upgrading, but the "iteration" has not been achieved. More accurately, it is "survival of the fittest", but the change is obvious. The sudden stop from rapid development has given enterprises time to think and adjust. I think the biggest shortcoming of the industry at present is "talent". High-quality tourism needs a high-quality talent training system and talent team. The "double-first-class" tourism development strategy and "internationalization" positioning need more language talents. The era background of technological innovation leading the industry upgrade needs more technical talents, and the consumer psychology change that interactive marketing contributes to the transaction needs more marketing talents. At present, whether in the association or in the work of our enterprise, I advocate increasing talent cultivation and training, strengthening school-enterprise cooperation, broadening the recruitment boundary, and reserving professionals, because the competition of enterprises in the future will be deeply reflected in talent competition.
Xiao Jiang:The Guizhou Provincial Party Committee and the provincial government put forward the development direction of tourism industrialization. What is your understanding of tourism industrialization?
Zhu Xi：Tourism industrialization is to take the needs of tourism enterprises and tourists as the guide, to achieve the economic benefits of tourism as the goal, and to form a serialized and branded management mode and organizational form through professional service and quality management. Guizhou is the only province in China that puts forward the development idea of "tourism industrialization", which proves that Guizhou has obvious advantages in tourism resources, a large proportion of economy, and strong policy support. To realize the transformation from a "big tourism province" to a "strong tourism province", it needs strong market support. Therefore, during the "Tenth Five-Year Plan" period, tourism enterprises must become stronger and bigger, and our enterprises will follow the policies closely, enhance their strength through integrated development, make large-scale, standardize standards and standardize standards.
Xiao Jiang:How are you and your company going to carry out specific work and contribute to tourism industrialization under the favorable policies of Guizhou’s tourism industry?
Zhu Xi：The ideas of tourism industrialization of Guizhou Youth Travel Service are as follows: 1. Grasp the demand. Tourists’ desire for a better life and pent-up tourism demand are certain. Only by capturing demand through quality service and product iteration, constantly stimulating tourism consumption potential and promoting consumption upgrading, can the market scale be enlarged and competitiveness be formed; Second, innovation drive. Under the background of cultural and tourism integration and technological innovation, enterprises are required to broaden their business ideas, make full use of technology and marketing means, reorganize the supply chain system, implement innovation at both ends of "demand" and "supply", and find a new business model suitable for the development of enterprises in the six elements of tourism; Third, safe development. After the epidemic, tourists pay the highest attention to safety, and the business risks are aggravated in the rapid development of enterprises, which requires enterprises to reshape their processes, update and upgrade their own business models, take safety as the bottom line, provide quality services, rest assured services, and seek healthy development; Fourth, personnel training. The competition of talents is the key in the process of tourism industrialization. Around the development strategy, tourism enterprises should cooperate with the government, actively link professional colleges, deepen the talent cultivation mechanism, take actual combat and experience as resources, cultivate and bring up a group of reserve talents, and introduce a group of cross-industry professionals to meet the development needs of enterprises in the fields of product innovation, Internet marketing and financial empowerment under the new situation. Fifth, cooperate with the government. The government’s tourism industrialization strategy will inevitably bring many favorable policies. Enterprises should simultaneously upgrade their corporate strategies, seriously understand the spirit, match the policy requirements, find projects and development directions that are conducive to the implementation of enterprises, and serve the government.At the same time, we will constantly improve the system and mechanism of factor market, fully feed back the market demand and changes, assist the government to formulate new policies, and jointly build a high-level and efficient tourism market management mechanism.
Xiao Jiang:Under the background of tourism industrialization, what policy help do you expect most?
Zhu Xi:At present, the bottleneck in the development of tourism enterprises, especially travel agencies, is the problem of funds. Asset-light strategy’s attributes lead to enterprises having no asset collateral when they need loans, so it is difficult to raise funds. We look forward to the government’s innovative development of "supply chain finance" services to help enterprises purchase resources. In the process of foreign promotion, we will rely more on travel agencies facing the market, give full play to their ability to obtain customers, innovate marketing models, increase subsidies for tourists day and night, and improve the enthusiasm of enterprises. At the same time, we will increase the intensity of supporting the excellent, build a national well-known travel agency enterprise such as 5A travel agency or the top 100 travel agencies in the shortest time, and set a benchmark for Guizhou’s tourism image.
-Postscript-
As we all know, the sudden epidemic in 2020 has brought heavy losses to the cultural tourism industry, especially the travel agency sector. For a sector that needs iteration, the epidemic is undoubtedly a double-edged sword.
This year, the team led by Zhu Xi was studying, thinking and encouraging employees when there was no hope in the worst-hit industries. As the president of the association, he actively cooperated with the government to serve the enterprise, won awards for the enterprise to tide over the difficulties, and actively planned a consumption spree for the industry after receiving the information of the government’s resumption of work and production. Behind all this, he was actively thinking about how to iterate and transform.
In the interview, Zhu Xi told reporters that the arrival of the epidemic has accelerated the most vulnerable travel agency sector to rise directly from 1.0 to 4.0, that is, travel agencies must be based on the tourist experience, return to the service essence of travel agencies, pay more attention to product design and embrace digitalization, and the most important thing is to change their thinking. Because of the forced epidemic, the first e-commerce platform for cultural tourism in Guizhou-"colorful travel", packaged cultural and creative wine and the upcoming province-wide recreational tourism project have been established. In the association, he led the establishment of "Guizhou Travel Agency Mutual Marketing Alliance" and "Guizhou Tourism Association" and "Guizhou Tourism Committee" to help standardize the industry market and expand the market players.
In the development process of tourism industrialization, online travel, commodity industrialization, service standardization and market standardization are the trends, and they are also the starting points of tourism industrialization. We are delighted to see that Guizhou Youth Travel Service is ready, and we expect that a number of top 100 travel agencies will emerge in the great opportunity of tourism industrialization and become competitive market players.
Interview contact: Xiao Jiang
Telephone:13885011125
Planning | Xiao Jiang
writing｜Guizhou Daily Tianyan News reporter Xiao Jiang
design｜Xu Jieyu Wu ya
edit| Wu Ya
read and edit| Zhao che
Reporting/feedback

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What is BYD’s position in the field of new energy vehicles？ What are the controversies about its market performance？

Discussion on BYD’s outstanding performance and controversy in the field of new energy vehicles

In the field of new energy vehicles, BYD is undoubtedly a bright star. However, its development process is not smooth sailing, accompanied by achievements, but also caused a lot of controversy.

From the market position, BYD has a significant advantage. First of all, its technology research and development strength is strong. BYD has been deeply involved in battery technology for many years, and has self-developed blade battery technology. This battery has the advantages of high safety, high energy density and long cruising range, which provides a strong guarantee for the performance of its new energy vehicles.

Secondly, the product line is rich. BYD covers many market segments, from cars to SUVs, from mini-cars to medium and large cars, and meets the needs of different consumers.

Furthermore, the market share continues to grow. With excellent products and marketing strategies, BYD’s market share in the domestic new energy vehicle market has been continuously improved and it has become one of the leading enterprises in the industry.

However, there are some controversies about BYD’s market performance.

In terms of product quality, some models may have some minor defects, such as poor workmanship of interiors and occasional failures of electronic systems. Although these problems are not universal, they also affect consumers’ car purchase decisions to some extent.

Price strategy has also received attention. Some consumers think that the pricing of some BYD models is on the high side, and compared with competitors at the same level, the cost-performance advantage is not obvious enough.

In terms of brand image, although BYD has made great progress in technology and products, in the minds of some consumers, the high-end image of the brand still needs to be further improved.

The following is a simple table to analyze some key indicators of BYD and other mainstream new energy vehicle brands:

brand technical superiority market share brand image BYD Blade battery higher Step by step promotion Tesla Autopilot technology higher Strong sense of science and technology Weilai Power exchange mode Relatively small High end service

In short, BYD has made remarkable achievements in the field of new energy vehicles, and its position cannot be underestimated. But at the same time, we need to face and solve the disputes and problems in market performance, and constantly improve our competitiveness to adapt to the increasingly fierce market competition environment.

(Editor: Wang Zhiqiang HF013)

[Disclaimer] This article only represents the author’s own views and has nothing to do with Hexun. Hexun.com is neutral about the statements and opinions in this article, and does not provide any express or implied guarantee for the accuracy, reliability or completeness of the contents. Readers are requested for reference only, and please take full responsibility. Email: news_center@staff.hexun.com.