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Hot interpretation ｜ Understanding the cultural thought of the supreme leader from these eight words

The meeting pointed out that the supreme leader’s cultural thought not only has innovations and breakthroughs in cultural theory, but also has the deployment requirements of cultural work layout. The meeting summed up the great significance of this thought with the words "be clear and practical, be well versed in physical use".

"Being clear about style and being practical" is the wisdom of China’s traditional philosophy, and it also has rich modern significance. "Body" refers to noumenon, that is, the national spirit, values and excellent culture of the Chinese nation, and also refers to scientific ideological theory; "Use" refers to practice. These eight words aim at organically combining Confucian classics with governing affairs, and clarify the great significance of theory guiding practice. Under the guidance of the supreme leader’s cultural thought, China’s propaganda and ideological and cultural undertakings in the new era have made historic achievements, and the overall and fundamental changes have taken place in the ideological field, which reflects the dialectical unity between theory and practice.

Since the 18th National Congress of the Communist Party of China, General Secretary of the Supreme Leader has placed propaganda and ideological and cultural work in an important position in governing the country, profoundly grasped the historical position of the new era, and put forward a series of new ideas, new viewpoints and new conclusions on cultural construction with firm cultural consciousness, broad historical vision and far-reaching strategic considerations:

In August 2013, at the first national conference on propaganda and ideological work after the 18th CPC National Congress, the General Secretary emphasized that "ideological work is an extremely important work of the Party";

In October 2017, the report of the 19th National Congress of the Communist Party of China put forward the major proposition of "new cultural mission" for the first time, demanding "promoting the prosperity of socialist culture";

In August 2018, the National Conference on Propaganda and Ideological Work summarized the regular understanding of propaganda and ideological work with "nine persistences". In his speech, the General Secretary emphasized that "unifying thoughts and cohesive forces must be the central link of propaganda and ideological work";

In July, 2021, at the conference to celebrate the centenary of the founding of the Communist Party of China (CPC), the major theory of "two combinations" was formally put forward for the first time, namely, "persisting in combining the basic principles of Marxism with the concrete reality of China and with the excellent traditional Chinese culture";

In October 2022, the 20th National Congress of the Communist Party of China focused on cultural construction from five aspects, demanding that "the road of cultural development in Socialism with Chinese characteristics must be adhered to";

In June 2023, General Secretary of the Supreme Leader profoundly summarized the five outstanding characteristics of Chinese civilization at the forum on cultural inheritance and development, and profoundly expounded the "two combinations", especially the "second combination";

… … … …

Civilization is endless, and thoughts keep pace with the times. just asNational conference on propaganda, ideological and cultural workIt is pointed out that the cultural thought of the supreme leader is an open and continuous ideological system, which will be enriched and developed with the deepening of practice.

In this important instruction on propaganda and ideological and cultural work, the general secretary put forward the important requirements of "seven efforts" and made clear the road map and task book for cultural construction in the new era.

Theoretically, the cultural thought of the Supreme Leader enriches and develops Marxist cultural theory, constitutes the cultural chapter of the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era, and further improves the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era, which indicates that our party’s understanding of the law of cultural construction in Socialism with Chinese characteristics has reached a new height, indicating that our party’s historical self-confidence and cultural self-confidence have reached a new height.

From a practical point of view, the important instruction of the General Secretary has made detailed deployment requirements for all aspects of the layout of cultural work, which has strong guidance and provides a powerful ideological weapon and scientific action guide for doing a good job in publicizing ideological and cultural work in the new era and new journey and shouldering new cultural missions.

From a practical point of view, the proposal of the cultural thought of the supreme leader shows that China attaches more importance to cultural development and regards realizing people’s longing for a better life as the "great country" in building a cultural power in the new era. "granary knows etiquette, food and clothing know honor and disgrace", after building a well-off society in an all-round way, people’s wallets are getting more and more bulging and rice bowls.more and moreStability, with the material foundation of cultural self-confidence, the pursuit of a higher level of spiritual and cultural life is increasingly becoming a realistic demand.

Clear thinking leads to Fang Xiangming.

Since the new era, under the guidance of the Supreme Leader General Secretary, China’s propaganda and ideological and cultural undertakings have made a series of historic achievements:

A series of documents, such as the Implementation Outline of Citizen’s Moral Construction in the New Era, the Implementation Outline of Patriotism Education in the New Era and the Opinions on Strengthening and Improving Ideological and Political Work in the New Era, have been issued one after another.

China Internet Civilization Conference, China Internet Conference, "Clean Net" and "Clear" governance actions have accelerated the cultivation of network health culture;

Beijing Winter Olympics, Chengdu Universiade and Hangzhou Asian Games show the world the grace and tolerance of Chinese culture.

A series of home diplomatic activities, such as the Forum on China-Africa Cooperation, the Asian Civilization Dialogue Conference, the High-level Dialogue between the Communist Party of China (CPC) and the World Political Parties, and the Beijing Cultural Forum, tell the world the story of China and introduce China’s experience.

… … … …

With the continuous creative transformation and innovative development of Chinese excellent traditional culture, China’s national image has been continuously improved, people’s cultural self-confidence has been significantly enhanced, and their mental outlook has become more energetic.

The National Conference on Propaganda, Ideological and Cultural Work requires that the study, research and interpretation of the supreme leader’s cultural thoughts should be continuously strengthened and consciously implemented in all aspects and the whole process of propaganda, ideological and cultural work. At the same time, it also puts forward clear requirements for promoting the effectiveness of all work: from persistently using the supreme leader’s Socialism with Chinese characteristics Thought in the new era to consolidating and strengthening the mainstream ideological public opinion in the new era; From widely practicing socialist core values to promoting the prosperity and development of cultural undertakings and cultural industries; From strengthening and improving external propaganda work to resolutely and effectively preventing and resolving ideological risks. Each item should be implemented in the spirit of nailing, and each item should show a new atmosphere and new actions.

Follow the main road to Wan Li.

Facing the future, under the guidance of the supreme leader’s cultural thought, Chinese sons and daughters will unite the strength of national rejuvenation with high cultural self-confidence, jointly create a new culture belonging to our time, and write a new chapter of modern Chinese civilization.

The finale of ＂Ice Breaking Action＂ was spit out by netizens! The director tweeted an apology.

On the evening of May 30th,

Recently, the popular anti-drug drama "Action to Break the Ice" ushered in a grand finale.

Good people CP, Donghui combination …

There are countless dramas in the play,

Dedicated to one wonderful confrontation after another,

It can be called the highlight moment of domestic criminal investigation drama.

However, with the identity of the black police and undercover being clear at a glance, there are fewer and fewer brain-burning stimulation plots, and the various plots and logical loopholes of the drama itself have been dug out by the audience one by one. There are more and more dissatisfied voices, and when the finale reaches its peak, it directly leads to the cliff-like decline of Douban score to 7.4.

Reviews from netizens

Some netizens spit out, a good drama, and the result was rotten.

Some netizens also said that there is no cover for Yu.

Six symptoms of rotten tail

1. There are 46 episodes in 48 episodes to pave the way for suppressing the village, but the police only used more than one episode to suppress the village. It is easy, and all the illegal personnel seem to be so simple and easy to get to the law. Gunfights, ambushes and villagers’ fights are all understated and vulnerable. If all these people are so easy to subdue, why send so many people?

2. Even with Lin Bo’s advice, it is too easy for Li Fei to enter the village. He is so close to the patrolling villagers that the villagers can’t hear his big leather shoes?

3. It’s too easy for Ma Yunbo to enter the village in the middle of the night and escape the monitoring of the public security? Don’t Yao-dong Lin doubt it when he suddenly enters the village without saying hello? Just say that his mind is disturbed, then he will rush to the horse bureau with that expression and expression. How dare he get on the horse bureau easily?

4. Although the Horse Bureau is a policeman, was it too easy to catch the moment of Lin Yaodong? Yao-dong Lin struggled like a little girl, and she caught her easily too fast.

5. In the end, a police officer who violated discipline caught the biggest drug Lord. Is it too bloody? This is really surprising. What is unexpected is that it is too fake.

6. Lin can suddenly knelt down, even the messenger knew to run, but at this time, as the leader of the messenger, he waited for the police to catch him without hesitation?

Director sends Weibo an apology.

Perhaps the "ending" was expected. Dongyu Fu, the director of "Action to Break the Ice", posted a long microblog "Farewell after the uproar", which answered the audience’s questions and sincerely apologized for the logical loopholes. "I should be able to resolve all these doubts during the filming and later period, but I didn’t do it. I’m sorry."

The plot comes from a real case.

The prototype of "Action to Break the Ice" is the "Thunder Anti-drug Campaign" jointly dispatched by Guangdong police by land, sea and air, which wiped out the first drug-making village in China in one fell swoop, and is known as the landmark battle in the history of anti-drug in China.

Lufeng is a county-level city under the jurisdiction of Shanwei City, Guangdong Province. Since the end of last century, Lufeng has produced a large number of drugs, and by 2013, the ice made by Lufeng accounted for as much as 40% of the ice seized nationwide.

Boshe Village is the most typical drug-making village in Lufeng, with a population of more than 14,000, and nearly 20% of the villagers make drugs and sell drugs. After a long period of preparation, in the early morning of December 29th, 2013, Guangdong police dispatched more than 3,000 police officers to carry out the clearing operation in Boshe Village, which is known as the "drug village". On the same day, they seized nearly 3 tons of ice and arrested more than 180 drug-related criminal suspects headed by Cai Dongjia.

Poke the video ↓↓↓↓

▲ Unveiling the mystery of the prototype of Tazhai Village in "Ice-breaking Action"-Boshe Village (video source: Beijing Satellite TV archives)

Did you watch Operation Icebreaker?

If you have anything to say,

Write a message to us!

Source: Beijing Headline APP Comprehensive China Youth Daily Man Yi Yang Wenjie

Editor: 77

Wonderful review of the past

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What a frozen snack experience? What an undercover Jinan Apple retail store?

Ji ‘nan small lobster take-out, Xiao Xiaozhong ornaments, interesting listening, welfare.

I’d like to mention the evening paper.

Online celebrity College, Lobster College … What do these ＂wonderful＂ students study？

　　When it comes to majors, we generally keep the following two attitudes: "Never apply for my major" and "Look at other people’s majors". Our own majors have endless spit, while others’ majors have endless envy. Next, I’d like to introduce the e-sports housekeeper, anti-terrorism, zombie online celebrity Moutai, and a potato. There are too many "exotic" majors in universities, and some of them may sound good. After learning about them, you will find that they seem really good … … I hope you can face your major after reading it.

　　01

　　Hard and pragmatic

　　Potato college

　　Remember when Yunnan Normal University announced that it would set up a potato college?

　　Potato research in this school began in 1970s and has been playing an important role in potato research in Yunnan Province. The purpose of the establishment of Potato College this time is to give full play to our traditional scientific research advantages and focus on the construction of two characteristic majors, namely "Potato Genomics" and "Genetics and Breeding", so as to enhance the ability and level of the transformation of potato scientific and technological achievements.

　　What a surprise!

　　Potatoes — Potato — potato

　　Has become a discipline.

　　02

　　Keep up with the trend

　　Online celebrity College

　　The establishment of "online celebrity College" in Chongqing Institute of Engineering has attracted everyone’s attention. However, the school responded that "online celebrity College" is neither an independent college nor a specific major, but a training program of "school-enterprise cooperation" between schools and enterprises, aiming at solving the employment problem of some students.

　　There are no shortcuts in life, and there is no gain for nothing. Entering "online celebrity College" still needs to study hard and attend classes seriously, but it doesn’t mean that you can really become "online celebrity" in the future. I hope everyone can treat it rationally.

　　Professional gaming

　　Setting up this major also means that parents will say, "Can you go to college by playing games?"? Can you eat it as a meal? " When you are young, you can confidently say, "Yes!"

　　If you think that e-sports major is to let you play games every day, then you are wrong.

　　Let’s take a look at the curriculum of e-sports major in Xilin Gol Vocational College:

　　Including regular culture classes (language, mathematics and English); E-sports development history & data analysis; Specific professional courses of competitive games (MOBA, FPS, cards); Referees, coaches and related behind-the-scenes personnel courses.

　　E-sports major is not used to train professional players, so students who love to play games should consider it before applying for this major ~

　　03

　　High-end trench gas type

　　International housekeeper major

　　At present, there are Wuhan Vocational College of Commerce and Trade and Beijing Institute of International Economics and Trade in China.

　　Although there is "housekeeper" in the name, the family name is "international" ~

　　Senior butler originated in Britain, with an average annual salary of nearly 30,000 pounds and a maximum of 100,000 pounds.

　　At present, domestic housekeepers are divided into junior, middle and senior levels. The monthly income of junior housekeepers is about 5,000-8,000 yuan, while that of intermediate housekeepers is more than tens of thousands. According to industry analysis, the monthly income of truly professional top housekeepers in the future can reach more than 200,000 yuan.

　　High income is accompanied by high requirements. Compared with the flight attendant major, the entrance threshold for international housekeepers is higher. The admission rate is generally around 30%.

　　Main courses: modern international etiquette, hotel management, medical first aid, coffee and tea art, home and flower arrangement, nutritious diet, Mandarin, golf training, western-style bartending, yacht management, jewelry appreciation, etc.

　　Horse science major

　　Professional racetrack, customized equestrian clothes costing 10,000 yuan, and foreign precious horses worth millions … … Do you think you opened the story of "The overbearing president only loves me and contracted a whole racecourse for me"? In fact, this is just the daily class of students majoring in horse science at Qingdao Agricultural University.

　　In 2011, Qingdao Agricultural University set up the first major in horse science, becoming the first and only school in China to set up an undergraduate major in horse science.

　　In order to cultivate professional horse racing talents, in 2015, Dali Horse Industry Group of United Arab Emirates set up a scholarship of "Horse Science" in Wuhan Business School, and invested 30,000 yuan each year to help two students in the school complete their studies. Among them, one student can also get the opportunity to go to Dubai professional racecourse for training.

　　This major sounds cool, but in fact it is not as simple as riding a horse every day, nor is it so easy and "fun".

　　In the training plan of horse science specialty, it will take more than 2400 class hours in four years to graduate smoothly. The courses studied are also related to various fields. The main courses include: animal anatomy and histology embryology, animal biochemistry, feed science, microbiology, biostatistics and experimental design, livestock environmental hygiene, veterinary medicine foundation, modern horse breeding, equestrian, horse training and nursing, equine diseases and other nearly 30 courses.

　　04

　　Type of unconsciousness

　　Anti-terrorism law school

　　In 2016, China’s first anti-terrorism law school was established in northwest university of politics and law, which will train undergraduate, master and doctoral talents in anti-terrorism, and pay attention to the cross-support of law and political science and the combination of knowledge structure.

　　This is a major that sounds very powerful and confusing ~

　　-Why did you choose this major? (Lighting and microphone for the following classmate)

　　-"Nothing else, everything is for justice!"

　　Ammunition engineering and explosion technology specialty

　　This major is designated by the state to recruit civil servants from public security, safety administration and other institutions. There are only six universities offering weapons majors in China: Beijing Institute of Technology, Nanjing University of Science and Technology, north university of china, shenyang ligong university, Anhui University of Science and Technology and Shenyang Institute of Technology.

　　Main courses: ammunition system analysis and design, explosion physics, ballistics, terminal effect, dynamic detection technology, impact dynamics, explosion technology, safety engineering, etc.

　　Belonging to the discipline of weapons, is there a feeling of arrogance and coolness immediately? !

　　In ancient times, there were knives, guns, swords, halberds, axes, cymbals, hooks and forks.

　　Today: AK-47, M16, G36 and SG550.

　　(I can’t edit any more … )

　　05

　　Eating and drinking type

　　Lobster college

　　In July 2017, an admission list published by Jianghan Art Vocational College, located in Qianjiang, Hubei Province, the hometown of crayfish in China, was on fire. The school admitted 86 freshmen to its first "Lobster College". When I saw this major, the netizen said in an instant: "Tell the truth, I can read postdoctoral students at one breath!" Sign up for our group ~ ~

　　"Lobster College" consists of three majors: catering management, cooking technology and nutrition (crayfish cooking direction) and marketing (crayfish industry direction), and is admitted through strict examination of candidates’ qualifications, comprehensive professional knowledge examination, professional skills examination and comprehensive cultural examination.

　　However, "Lobster College" and "Crayfish Specialty" are two different concepts. Lobster College is a related specialty for lobster industry, both of which are approved by the Provincial Department of Education.

　　At present, "Lobster College" has been renamed as "College of Food Culture".

　　Regan Noodles research institute

　　Regan Noodles is one of the representative cuisines in Wuhan, and its noodles are slender, strong, yellow, oily and delicious. Mixed with sesame oil, sesame paste, rich fresh and spicy powder, spiced pickles and other ingredients, it is full of color and flavor.

　　Its magic is that foreigners will feel terrible when they eat it for the first time, and they will want to stop after eating it for the second time.

　　In June, 2015, the Institute of Cooking and Food Engineering of Wuhan University of Commerce and Cai Linji, a time-honored brand in Wuhan, jointly established the Wuhan Regan Noodles Research Institute. This is the first time that a university in Wuhan has set up a research institute for traditional snacks in Wuhan.

　　The Institute mainly conducts research on Regan Noodles’s historical heritage and cultural development, brand protection, industrial production and product packaging, marketing and product development, and conducts human resources training, so as to promote the development of Chinese snacks.

　　Wine specialty

　　The full name is "Grape and Wine Engineering Specialty", which is an interdisciplinary comprehensive discipline of science, engineering and agriculture, based on chemistry, biology and engineering, and studying the scientific theory and applied technology of modern high-quality wine brewing process, art appreciation and marketing concepts.

　　Main courses: grape cultivation, wine technology, wine tasting, wine engineering, wine marketing, grape variety, wine chemistry, wine microbiology and wine regulations.

Cancer death is related to diet. Four cooking habits or carcinogenicity should be corrected as soon as possible.

"I heard that cooking with gas stoves can cause cancer, and I’ve been thinking about whether to change the induction cooker recently," Aunt Wang said worriedly.

"Really? You won’t be fooled by those marketing numbers again … "Aunt Wang’s daughter questioned, after all, Aunt Wang had been cheated many times before.

"This time, it is said by serious research that it is useless to open a range hood. What can I do!"

……

Does frequent use of gas stoves really cause cancer? Is there any way to reduce the risk?

01

Is the gas stove carcinogenic?

Or increase the risk of leukemia.

According to statistics, at present, the gas penetration rate in China is as high as 98.0%, which is a high level in the world, but recently it has been said that gas stoves can cause cancer. Is it true?

A research team from Stanford University published a paper in Environmental Science & Technology, saying that gas stoves and ovens will release carcinogen benzene during combustion, which may pose a threat to human health.

Benzene is defined as a known human carcinogen by the International Agency for Research on Cancer and labeled as a "carcinogen" by the US Environmental Protection Agency. There is no lower threshold for benzene exposure, and any degree of benzene exposure may increase the risk of leukemia and lymphoma.

The research shows that gas stoves and ovens will release a lot of benzene when using gas or liquefied petroleum gas (propane), especially when used at high power. On the contrary, the benzene released by induction cooker during combustion is much smaller, so it may be a healthier choice to use induction cooker.

It is worth noting that the use of range hoods can not effectively improve the health risks caused by benzene produced by gas stoves. Even with the help of the range hood, benzene will spread outside the kitchen, and it will stay in the air for a long time, so that people outside the kitchen will be exposed to high levels of benzene for a long time.

In fact, this is not the first time that the health hazards of gas stoves have been discovered. A study by Stanford University shows that the benzene concentration formed by gas stove flame in the room may be higher than the average concentration of second-hand smoke, and it will spread to other rooms far away from the kitchen, so that the benzene concentration in the living space may exceed the national and international health standards and affect health.

After reading the above research introduction, many friends will definitely wonder, can we still use gas stoves in the future? In this regard, nutritionist Gu Zhongyi gave two suggestions:

First, open more windows for ventilation, which is the most effective way to reduce indoor benzene concentration. When cooking, be sure to open the kitchen window for ventilation, and close the doors of the kitchen and bedroom at the same time, and then open the door after cooking. Even if there is a range hood, ventilation cannot be ignored.

Second, consider using induction cookers more, because induction cookers hardly produce benzene. For long-term cooking, you can choose an induction cooker, while cooking such as quick frying can still use a gas stove.

02

Is it normal for gas stoves to emit green light?

Beware of two kinds of anomalies

Are you using a gas stove at home? Have you ever noticed the flame color when natural gas burns? In fact, there are hidden health risks. I hope you can understand them in time.

Under normal circumstances, the flame color of gas stoves and ovens is usually blue. The blue flame indicates that the combustion is sufficient and the fuel is completely burned in oxygen, which is the safest and most efficient state.

If there is a green flame in a gas stove, it usually means that it contains a lot of copper compounds when burning, which may be caused by problems with copper materials in combustion devices or pipes, so it is necessary to clean the stove in time.

It should be noted that if the gas stove has red flame or yellow flame for a long time, it is best to stop using it and check whether its function is normal.

1. Poor smoke exhaust

Long-term use of gas stoves may cause the gas outlet to be blocked by oil pollution, resulting in incomplete combustion and red or yellow flames. At this time, it is necessary to clean up the oil stain on the air outlet, and you can use iron wire or old toothbrush to dredge it regularly.

2. The air outlet is blocked

Flue gas needs to be discharged quickly so that the gas stove can continue to burn completely. If there is poor ventilation, the smoke will stay around the flame, resulting in insufficient oxygen, thus resulting in incomplete combustion. The solution is to open the kitchen window or increase the strength of the range hood to ensure the smoke is discharged quickly.

03

Four cooking habits may give birth to cancer cells.

Everyone’s cooking habits are different, but if it is wrong, it may attract the "attention" of cancer cells.

In 2019, The Lancet published a large-scale global study, which focused on the impact of diet on health. This study evaluates the consumption of major foods and nutrients in 195 countries, and quantifies the impact of sub-health dietary intake in 195 countries on the mortality and incidence of chronic non-communicable diseases.

The results show that in 2017, 11 million people worldwide died of dietary risks. It is particularly noteworthy that in China, diet-related cardiovascular diseases and cancer deaths rank first in the world.

The study also pointed out that since 1990, the number of deaths caused by global dietary risks has increased from about 8 million to 11 million in 2017. This shows that improving diet is urgent and necessary to reduce diet-related chronic diseases and deaths.

In this regard, Xiao Jiu reminded that the following four cooking habits should be corrected as soon as possible:

1. Do not turn on the range hood when cooking

Cooking oil at high temperature will produce harmful fumes, which contain irritating substances, which may lead to chronic diseases such as lung cancer. Especially women who have been exposed to kitchen fumes for a long time have a higher risk of lung cancer.

It is suggested that the range hood should continue to work for 3-5 minutes after frying, to ensure the discharge of harmful gases, and to open the window for ventilation to reduce the harm.

2. Put too much salt

High-salt diet may lead to water and sodium retention, increase blood pressure, and then increase the risk of cardiovascular and cerebrovascular diseases. In addition, excessive intake of salt can also damage the gastric mucosa, causing stomach problems such as gastritis and gastric ulcer. Long-term high salt intake is also related to the risk of gastric cancer.

Therefore, attention should be paid to controlling the amount of salt in daily diet, and other condiments such as onion, ginger and garlic can be selected to increase the flavor of food.

3. Reuse frying oil

In the process of frying food, oil will produce many harmful substances, such as oxidation products and benzopyrene, a carcinogen. These harmful substances will remain in the oil and accumulate with the repeated use of the oil, which may increase the risk of cancer after being ingested by the human body.

On the other hand, repeated use of frying oil will also increase the intake of unhealthy fat and cholesterol, leading to an increase in the risk of cardiovascular diseases.

4. Eat fried food frequently.

Frying food may lead to the formation of carcinogens such as acrylamide. In daily life, we should try to reduce the intake of high-temperature cooking food and choose healthier cooking methods such as steaming and stewing.

Conclusion: Healthy eating habits and proper cooking methods are essential to reduce the risk of diet-related chronic diseases. A small change in life may help us stay away from diseases and stay healthy better.

References:

[1] "Benzene concentration exceeds second-hand smoke! The latest research: Cooking with gas stove at high temperature can not only increase the risk of lung cancer, but also cause leukemia … ".Frontier of Life Science. 2023-07-03.

[2] "Natural gas is carcinogenic? How to use the gas stove? Dietitian Gu Zhongyi. 2023-06-28.

[3] "Watch out! Be careful when these two colors appear in natural gas combustion at home. Popular Science China .2021-08-21.

[4] The Lancet: Cancer in China is closely related to diet! OBCD pan-cancer early screening.2021-11-03

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Notice of the General Office of China Banking and Insurance Regulatory Commission, China on Further Regulating the Internet Personal Insurance Business of Insurance Institutions

　　All banking insurance regulatory bureaus, insurance companies and insurance intermediaries:

　　According to the Insurance Law of People’s Republic of China (PRC), Measures for the Supervision of Internet Insurance Business and other laws and regulations, in order to strengthen and improve the supervision of Internet life insurance business, standardize market order, guard against business risks, promote fair competition, and effectively protect the legitimate rights and interests of insurance consumers, with the consent of China Banking and Insurance Regulatory Commission, we hereby notify the relevant matters concerning the operation of Internet life insurance business by insurance institutions as follows:

　　First, strengthen capacity building and improve the level of business services.

　　(1) The term "Internet life insurance business" as mentioned in this Notice refers to the business activities of insurance companies to publicly publicize and sell Internet life insurance products, conclude insurance contracts and provide insurance services by setting up self-operated network platforms or entrusting insurance intermediaries on their self-operated network platforms. The insurance institutions mentioned in this Notice include all insurance companies (including mutual insurance organizations and Internet insurance companies) and all insurance intermediaries (including professional insurance intermediaries and part-time insurance agencies).

　　Insurance companies that meet the relevant conditions of this notice may conduct Internet life insurance business without setting up branches nationwide. If the relevant conditions are not met, the Internet life insurance business may not be carried out. An insurance company entrusts an insurance intermediary to carry out Internet life insurance business, and the insurance intermediary should be a national institution. Involving online and offline integration to carry out life insurance business, Internet life insurance products shall not be used, and the business area shall not be extended to areas without branches.

　　(2) Insurance companies and insurance intermediaries should have corresponding technical, operational and service capabilities to carry out life insurance business on the Internet, choose life insurance products that meet the characteristics of Internet channels for online sales, strengthen the management of sales process and improve the risk management and control system.

　　Insurance companies should use scientific and technological means to optimize product supply, improve insurance services, improve operating efficiency, and promote life insurance products with risk protection or long-term savings functions.

　　(3) An insurance company (excluding Internet insurance companies) shall meet the following conditions when conducting Internet life insurance business:

　　1 for four consecutive quarters, the comprehensive solvency adequacy ratio reached 120%, and the core solvency was not less than 75%.

　　2. The comprehensive risk rating for four consecutive quarters is in Class B or above.

　　3. The coverage rate of liability reserve is higher than 100% for four consecutive quarters.

　　4. The corporate governance assessment of the insurance company is Grade C (qualified) or above.

　　5. Other conditions stipulated by China Banking and Insurance Regulatory Commission.

　　Internet insurance companies shall comply with the relevant conditions of the Measures for the Supervision of Internet Insurance Business when conducting Internet life insurance business. At the end of last quarter, the solvency, comprehensive risk rating and coverage ratio of liability reserve meet the requirements of the preceding paragraph.

　　(4) An insurance company shall have an efficient and stable business system to carry out Internet life insurance business. It can support the exclusive management of life insurance business on the Internet, has the concurrent processing ability suitable for business needs, and has a perfect network security protection means and management system.

　　An insurance company should have a financial system that meets the needs of Internet life insurance business, and conduct independent accounting for Internet life insurance business.

　　(5) An insurance company shall have the corresponding online operation ability to carry out Internet life insurance business and meet the following requirements:

　　1. Online insurance. Support online display of all insurance information to consumers and remote acquisition of necessary insurance information, which can realize basic functions such as location confirmation of the insured and the insured, and personal identification.

　　2. Online underwriting. We should fully realize automatic underwriting as soon as possible, encourage insurance companies to apply scientific and technological means to improve underwriting quality, enhance underwriting efficiency, further improve anti-fraud ability and level, and explore differentiated and intelligent underwriting.

　　3. Online underwriting. Support online confirmation of insurance intention, completion of premium income and expenditure, realization of surrender in hesitation period and other functions, and issue legal and effective electronic insurance policies.

　　4. Online service. All sales platforms have realized the comprehensive online service entrance of consumer consultation, inquiry, security, surrender, claims, complaints, etc., continuously improved the online service level, and ensured the continuous provision of service support not lower than the offline service standards of similar sales businesses within the validity period of the policy.

　　(6) An insurance company shall establish a convenient and efficient online service system to carry out Internet life insurance business, and the service standard shall not be lower than the following requirements:

　　1. The insurance company shall guarantee daily uninterrupted online service, and the connection rate of consumer consultation or service request shall not be less than 95%.

　　2. Insurance companies should provide comprehensive technical support for consumers’ independent purchase and self-service. Customer service personnel of insurance companies can provide online personal insurance business consultation and services at the request of consumers, and the exchange page displays their insurance institutions and customer service numbers in real time. Customer service personnel of insurance companies shall not take the initiative in marketing, and their salaries shall not be linked to the sales assessment indicators of Internet life insurance business.

　　3. Internet personal insurance business should fully realize real-time underwriting and real-time underwriting as soon as possible. If it is necessary to carry out procedures such as physical examination and survival investigation, it should notify the applicant within 1 working day after receiving the complete insurance information and complete the underwriting as soon as possible.

　　4. Internet life insurance business shall use electronic insurance policies, which shall specify the information of the entrusted intermediary institutions (if any) and shall be delivered to the insured within 2 working days after underwriting. During the insurance period, an insurance company shall provide a paper policy in time according to the requirements of the insured.

　　5. The insurance company shall continuously provide online security services to consumers during the insurance period, and the online security matters shall be handled within 2 working days after the application is submitted. If it cannot be completed within the prescribed time limit due to special circumstances, it shall promptly explain the reasons to the applicant and inform the processing progress.

　　6. After receiving the notice of insurance accident from the applicant, the insured or the beneficiary, the insurance company shall give a one-time claim settlement guidance within 1 working day; After receiving the request for compensation or payment of insurance benefits from the insured or beneficiary, if the insurance company considers that the relevant certificates and materials are incomplete, it shall notify the applicant, the insured or the beneficiary to supplement them at one time within 2 working days; After receiving the request for compensation or payment of insurance benefits from the insured or beneficiary and complete materials, make a verification within 5 working days, and notify the applicant within 1 working day after making the verification; In case of complicated circumstances, the approval period can be extended to 30 days.

　　7. Online application for surrender of Internet life insurance business shall be approved and notified to the applicant within 1 working day; In case of complicated circumstances, the approval period can be extended to 3 working days.

　　8. Internet personal insurance business should strengthen complaint management, set up online complaint channels, get in touch with the complainant within 1 working day after receiving the complaint, improve handling efficiency, and explore the establishment of a complaint return visit mechanism.

　　(7) When an insurance company entrusts an insurance intermediary to carry out Internet life insurance business, it shall carefully screen the partners, strictly control the sales behavior and ensure the service quality.

　　Insurance intermediaries to carry out Internet life insurance business, should strengthen the system construction, and have the operation and service capabilities that meet the requirements of Article (5) and (6). Customer service personnel of insurance intermediaries shall not take the initiative to market, and their salaries shall not be linked to the sales assessment indicators of Internet life insurance business.

　　Two, the implementation of exclusive business management, standardize the market competition order.

　　(8) Insurance companies shall implement exclusive management of Internet life insurance business, use Internet life insurance products that meet the relevant provisions of this Notice, and follow the business rules such as network layout and sales management. The development of Internet life insurance products by insurance companies should conform to actuarial principles, with clear insurable benefits, and the design of terms and the determination of rates are legal, compliant, fair and reasonable. Encourage insurance companies to apply digital tools and scientific and technological means to provide differentiated pricing and refined services to meet the growing personal risk protection and long-term savings needs of the people.

　　Internet life insurance products are limited to accident insurance, health insurance (excluding nursing insurance), term life insurance, ordinary life insurance with an insurance period of more than ten years (excluding term life insurance), ordinary annuity insurance with an insurance period of more than ten years, and other life insurance products stipulated by China Banking and Insurance Regulatory Commission. Internet life insurance products that do not meet the requirements of this notice shall not be operated online, and the insurance links of products shall not be publicly displayed or directly pointed to through the Internet.

　　(9) An insurance company applying for approval or filing of Internet life insurance products shall meet the following requirements:

　　1. The product name should contain the word "Internet", and the sales channel is limited to Internet sales. Non-Internet life insurance products shall not use related words.

　　2. Product design should reflect the characteristics of direct operation of Internet channels. The scheduled surcharge rate for Internet life insurance products with an insurance period of one year or less shall not be higher than 35%; Internet life insurance products with an insurance period of more than one year shall have a predetermined additional charge rate of no more than 60% in the first year and an average additional charge rate of no more than 25%.

　　3. Products can provide flexible and convenient payment methods. If the Internet life insurance products with an insurance period of one year or less are paid in installments, the payment amount of each installment should be consistent, and the Internet life insurance products with an insurance period of more than one year should comply with the relevant regulations of China Banking and Insurance Regulatory Commission.

　　4. The product design shall ensure that the insurance period is consistent with the actual duration, and the actual duration shall not be changed in disguise by surrendering the insurance fee or adjusting the cash value interest rate.

　　5. The calculation of the minimum cash value of Internet life insurance products with an insurance period of one year or less shall adopt the calculation method of the unexpired net premium, and its calculation formula is: minimum cash value = net premium ×(1-m/n), where m is the number of days that have taken effect and n is the number of days during the insurance period, and if the elapsed date is less than one day, it shall be counted as one day.

　　6. Other conditions stipulated by China Banking and Insurance Regulatory Commission.

　　(10) When an insurance company applies for approval or filing of Internet life insurance products, the materials submitted shall not only comply with the insurance clauses and relevant regulatory provisions on insurance rate management, but also submit an actuarial report, and the pricing basis of the products shall be listed in the actuarial report.

　　Internet life insurance products with an insurance period of one year or less shall specify the expected payout ratio in the actuarial report; If the Internet life insurance products with an insurance period of more than one year are priced by reinsurance data or empirical data, the latest occurrence rate table issued by China Banking and Insurance Regulatory Commission or designated relevant institutions shall be indicated, and the average conversion ratio shall be listed.

　　Internet life insurance products shall specify the upper limit of intermediary fee rate in actuarial report, and shall not directly charge the information technology support and information technology service fees arising from the operation of Internet life insurance business, and shall not break through or break through the upper limit of predetermined additional fee rate in disguised form.

　　When an insurance company applies for approval or filing the Internet life insurance products listed in Article (13) of this Notice, it shall also list the branches and cooperative institutions in the submitted materials.

　　(11) An insurance company applying for approval or using newly filed Internet accident insurance and term life insurance products shall comply with Articles (3) to (6) of this Notice.

　　An insurance company applying for approval or using newly filed Internet health insurance (except nursing insurance) products shall not only meet the requirements of the preceding paragraph, but also meet the requirement that it has not been subjected to major administrative punishment for illegal operation of Internet insurance business in the previous year.

　　An insurance company applying for approval or using the newly filed ordinary life insurance (except term life insurance) and ordinary annuity insurance products with an insurance period of more than 10 years shall meet the following conditions:

　　1. The comprehensive solvency adequacy ratio exceeds 150% for four consecutive quarters, and the core solvency is not less than 100%.

　　2 for four consecutive quarters, the comprehensive solvency surplus exceeded 3 billion yuan.

　　3. The comprehensive risk rating for four consecutive quarters (or six quarters within two years) is above Class A..

　　4. It has not received any major administrative punishment for the operation of Internet insurance business in the last year.

　　5. The corporate governance assessment of the insurance company is Grade B (good) or above.

　　6. Other conditions stipulated by China Banking and Insurance Regulatory Commission.

　　(12) When an insurance company entrusts an insurance intermediary to carry out Internet life insurance business, it shall specify the rights and obligations of both parties, the cooperation period, the dispute settlement plan, the liability for breach of contract and the customer complaint handling mechanism.

　　Insurance intermediaries selling ordinary life insurance (except term life insurance) and ordinary annuity insurance products with an insurance period of more than ten years shall meet the following conditions:

　　1 with more than three years of experience in Internet life insurance business.

　　2. It has a complete sales management, policy management and customer service system, as well as a safe, efficient and real-time information system and capital settlement process for online payment and settlement business.

　　3. It did not receive any major administrative punishment for the operation of Internet insurance business last year.

　　4. Other conditions stipulated by China Banking and Insurance Regulatory Commission.

　　(13) An insurance company shall, in addition to meeting the above-mentioned basic conditions, set up a provincial branch in its business area or cooperate with other insurance companies and insurance intermediaries that have set up branches to operate through the Internet, so as to ensure offline service capabilities in its sales area.

　　Insurance companies conducting other Internet life insurance businesses should have offline service capabilities no less than those of similar businesses for sale.

　　(14) When an insurance company operates or entrusts an intermediary agency to carry out Internet life insurance business, it should make an appropriate assessment before applying for insurance, scientifically assess the behavioral ability of consumers to purchase insurance products online and enjoy insurance services, and insist on selling insurance products to consumers that are compatible with their risk protection needs and payment ability.

　　(15) Insurance companies should strengthen underwriting management, grasp the full amount of underwriting information, ensure the independence of underwriting, and must not lower underwriting standards and reduce underwriting responsibilities when conducting Internet life insurance business.

　　The notification text of Internet life insurance business is formulated and provided by insurance companies, which meets the basic requirements of clear content, easy-to-understand text and concise and smooth expression, and reduces the use of uncommon terms. Insurance intermediaries shall not change or reduce the contents of the notification without authorization, and shall not induce the insured to make false statements.

　　Third, enrich the supervision mechanism and strengthen the supervision of innovative business.

　　(sixteen) insurance companies to carry out Internet life insurance business, should establish and improve the business backtracking mechanism. Insurance companies should regularly carry out Internet life insurance business backtracking as required, focusing on key indicators such as payout ratio, incidence rate, expense rate, surrender rate and return on investment, backtracking the deviation between actual operating conditions and actuarial assumptions, and taking the initiative to take measures such as attention, adjustment and improvement, active reporting and information disclosure. The chief actuary of an insurance company is the person directly responsible for the retrospective work of Internet life insurance business, and should organize and implement the retrospective work as required to ensure that the data used are comprehensive and true, the calculation method conforms to actuarial principles, and the rectification measures are timely and effective.

　　(XVII) An insurance company that conducts Internet life insurance business shall submit a report on the operation of the previous year through the information system related to Internet insurance supervision before March 20th of each year (see Annex 2 for the template, and the report data shall be as of December 31st of the previous year), and complete the registration of Internet life insurance business operation and information disclosure.

　　If an insurance company needs to adjust the business scope of personal insurance on the Internet, it should make a continuous announcement 10 days in advance on the self-operated platform, the self-operated platform of the agency and the sales page of each product. The contents of the announcement shall include the business scope adjustment decision, reasons and service guarantee measures, etc., and the adjustment shall be completed before April 1 of each year. If the business scope of Internet life insurance is narrowed, it should also give special tips to insured customers through effective channels.

　　(18) If an insurance company violates the relevant provisions of this Notice, it shall, as appropriate, take regulatory measures such as regulatory talks, risk warnings and prohibiting the declaration of new Internet life insurance products within a certain period of time according to law, and impose administrative penalties according to relevant laws and regulations.

　　If an insurance company entrusts an intermediary agency to carry out Internet personal insurance business in violation of the relevant provisions of this Notice, the insurance company and the intermediary agency shall be investigated at the same place, and a unified standard of discretion shall be maintained for similar businesses.

　　(XIX) China Banking and Insurance Regulatory Commission will initiate supervision procedures such as inquiry, investigation and inspection according to the retrospective situation of Internet life insurance business of insurance companies, and investigate and deal with illegal matters according to law. In the event that the insurance company fails to backtrack regularly according to the notification requirements, the backtrack data is untrue, and the pricing risk has not improved for a long time, China Banking and Insurance Regulatory Commission will not only deal with it according to Article 18, but also remind the board of directors of relevant risks, and at the same time, investigate the responsibilities of the company’s principal responsible persons and relevant management personnel according to law.

　　(20) If an insurance company is subject to administrative punishment for serious violations of laws and regulations and serious violations of consumers’ legitimate rights and interests due to Internet life insurance products, it shall promptly formulate consumer rights protection and rectification plans and make an announcement to the public.

　　(twenty-one) the actuarial liability reserve coverage ratio mentioned in this notice, the calculation formula is shown in Annex 1.

　　The major administrative penalty referred to in this Notice refers to the following administrative penalties imposed on insurance institutions for Internet insurance business: limiting the business scope, ordering them to stop accepting new business, ordering them to suspend business for rectification, revoking their business licenses, revoking the qualifications of company executives or prohibiting them from entering the industry.

　　(twenty-two) from the date of issuance of this notice, if the previous provisions are inconsistent with this notice, this notice shall prevail.

　　Give a transition period to insurance companies that have already started Internet life insurance business. Insurance companies shall, based on the protection of consumers’ legitimate rights and interests, promote the rectification of existing Internet life insurance business on the premise of fully evaluating and making good plans, and fully meet the requirements of this notice before December 31, 2021.

　　The insurance company shall start the trial operation of the Internet life insurance business backtracking mechanism in the second quarter after the issuance of this notice, and China Banking and Insurance Regulatory Commission shall designate industry organizations to assist in the implementation of relevant work. The retrospective mechanism of Internet life insurance business has been officially implemented since January 1, 2023.

　　Annex: 1. Description of the formula for calculating the coverage ratio of liability reserve.

　　2.2XXX years Internet life insurance business report

　　General Office of China Banking and Insurance Regulatory Commission, China

　　October 12, 2021

Endurance and intelligent driving are all top! How to choose Extreme Yue 07？

When it went on the market, the market feedback was great, not only because the improvement of the intelligent cabin and intelligent driving ability of this car was very exaggerated, but more importantly, even the low endurance of the three SKU versions launched this time was very sufficient.

In this article, AutoNet Xiaobian will take a detailed inventory of the advantages of this model in smart driving and smart cabin, and which version of the three SKUs is the most cost-effective and suitable for what people.

First of all, the smart driving of Extreme Yue 07 comes from the empowerment of Baidu, yes, it is the smart driving with a cumulative investment of over 170 billion.

At the press conference some time ago, Extreme Yue upgraded PPA Intelligent Driving to ASD(Apollo Self Driving) Apollo Advanced Intelligent Driving. At the same time, by the end of 2024, ASD can be used in places with Baidu navigation maps, which can be opened all over the country.

For the price of this ultra-high-level ASD smart driving package, the buyout price is 29,900 yuan, and the limited-time preferential price is 4,999 yuan. The latest monthly subscription price is 599 yuan/month, and all new and old car owners are given free ASD smart driving packages for three months.

In the intelligent cabin, Extreme Yue SIMO is also the first product on board to get involved in the ERNIE Bot model, and in the version 2.0 of Extreme Yue 07, its ability is further improved. Popular and easy to understand, it is more humanized.

SIMO of 2.0 has many abilities, such as curiosity exploration, role-playing, scene mode and so on.

For example, while driving, you can ask about the housing price of the neighborhood near SIMO, recommend an authentic "fly house", find a middle place to meet and chat with friends, etc., and play the role of tutor, car expert, raiders expert, etc., and also support 10000+ user-defined scene settings.

Finally, let’s take a brief inventory of the SKU of Extreme Yue 07 and the corresponding battery life.

In the three SKUs of Extreme Yue 07, three different batteries were used, namely 71.4kWh Ferrous lithium phosphate, 100kWh ternary lithium battery and 93.4kWh ternary lithium battery.

In the entry-level version, the battery life of the Extreme Yue 07 can reach 660km, which is longer than that of most entry-level models. From a practical point of view, it can really meet the battery life needs of most people.

At the same time, the basic version of Extreme Yue 07 is also equipped with high-level intelligent driving and intelligent cabin capabilities, and the goal of getting started is achieved.

And if you have higher requirements for battery life, then Extreme Yue 07 is equipped with a large battery of 100kWh on the long battery life version of 219,900, and the battery life has reached 880km, which is unique in the same level. This is my personal opinion, the most cost-effective version of Extreme Yue 07 among the three SKUs at present.

Top with 289,900 four-wheel drive +800V version, which is more suitable for players with high performance requirements.

It only takes 10 minutes to charge from 10% to 80%, and it can replenish 600km, which is equivalent to "1 km per second". The fastest charging rate is 5C, which is the fastest charging speed in the global production car!

In summary, I believe it should be clear to everyone how to choose Extreme Yue 07.

Consumer complaints become pain points. Internet platform selling insurance will face strict supervision.

Note: The bar chart is the top 10 insurance companies (unit: piece) with complaints about Internet insurance consumption in 2018.

　　On December 13th, some Internet insurance companies received the Regulation Measures for Internet Insurance Business (Draft for Comment) issued by the regulatory authorities on a small scale, which triggered a heated discussion in the industry. According to a survey conducted by Guangzhou Daily’s all-media reporters, Internet insurance has been questioned constantly, among which Beijing Huaxia Insurance Brokerage Co., Ltd. and Beijing United Insurance Brokerage Co., Ltd., which are wholly-owned by Headlines today, have attracted much attention. Yesterday, the Guangzhou Daily reporter learned about the questioning of relevant compliance from today’s headlines, and the headlines said that they would not comment.

　　Guangzhou Daily All-Media Reporter Chen Lili and Ni Ming

　　Phenomenon 1: The compliance of insurance sales on content platforms is questioned.

　　"Many third-party platforms get insurance brokerage licenses by acquiring insurance brokerage companies, thus getting involved in the insurance industry." An insurance expert who did not want to be named said that the compliance of such platforms to carry out Internet insurance business was questioned. The reporter found that there are three kinds of Internet insurance brokerage platforms at present: Internet intermediary channels, Internet scene channels and Internet traffic channels. Internet platforms have become the first type of enterprises to test Internet insurance.

　　The reporter found that there are more doubts about the compliance of content platforms selling insurance. Among them, today’s headline parent company Fujian ByteDance Technology Co., Ltd. acquired 100% equity of Beijing Huaxia Insurance Brokerage Co., Ltd., and after winning the insurance brokerage license, its business compliance has been questioned.

　　However, yesterday, the reporter searched for the "number one insurance" (the exclusive service insurance platform for headline users) on its APP platform. At present, more than 20 insurance products are in normal sale. Regarding the voices questioned by the outside world, yesterday’s headlines said that they would not comment.

　　The voice of doubt is unique. Xuzhou Business Department of Beijing United Insurance Brokerage Co., Ltd. was also warned by Jiangsu Supervision Bureau of China Banking and Insurance Regulatory Commission, China, and fined 20,000 yuan for compliance problems. As an insurance broker, when he undertook the business record account of personal accident insurance, a kindergarten student in a certain city in 2016-2017 and 2017-2018, more than 250,000 people failed to record the insured’s name, insurance amount, insurance premium delivery, etc., and after registering the "XXX Online" website with Jiangsu in October 2016, the insurance brokerage business was carried out through the above platform without the authorization and permission of Beijing United Insurance Brokerage Co., Ltd., and the relevant website was not on the website of insurance association of china.

　　Phenomenon 2: Internet insurance consumer complaints become a pain point

　　With the rapid development of Internet insurance, while providing consumers with convenient purchase methods, consumer complaints have also soared. In the first three quarters, the data released by China Banking and Insurance Regulatory Commission showed that Yi ‘an Property Insurance and Anxin Property Insurance were the first and second places where property insurance companies were suspected of violating laws and regulations, including 308 complaints against Yi ‘an Property Insurance, up by 30,700% year-on-year; There were 99 complaints about Anxin Property Insurance, up 4850% year-on-year.

　　The reporter found that the top 100 million premium complaints are still mostly professional Internet insurance companies, among which the top two complaints are Yi ‘an Property Insurance with 113.97 pieces/100 million yuan and Anxin Property Insurance with 69.62 pieces/100 million yuan.

　　According to the statistics of last year, in 2018, China Banking and Insurance Regulatory Commission and its agencies received 10,531 complaints about Internet insurance consumption, up by 121.01% year-on-year. Among them, 8484 property insurance companies were involved, up 128.25% year-on-year; 2,047 personal insurance companies were involved, up 95.32% year-on-year. It mainly reflects the problems of insufficient or ambiguous sales notification, unreasonable claims conditions, insufficient reasons for refusing compensation, bundled sales of insurance products, automatic renewal of insurance without consent and so on.

　　The public is worried: What should I do if the Internet platform runs away?

　　"It is really convenient to buy insurance on the Internet platform. What should I do if the owner of the Internet platform runs away?" For the concerns of many citizens, industry insiders admit that although consumers buy online insurance from the Internet platform, the insurance companies are the ones who finally underwrite, underwrite and settle claims.

　　The exposure draft has stricter regulatory requirements on the platform, defines the self-operated network platform and the third-party network platform, and makes it clear that the customer insurance page in the internet insurance business must belong to the self-operated network platform of insurance institutions, and it is clear that it can only be promoted but not sold, and the links need to jump, and customer information cannot be withheld.

　　Key factor: claim settlement becomes a concern.

　　"It is really convenient to buy insurance on the Internet platform, and the supervision is becoming more and more strict. I believe that the compliance issue will continue to improve, but it is really necessary to question whether the claims are reliable." People in the industry admit that online insurance, where the insured is located, has a branch of the corresponding insurance company. This situation is relatively simple, but if the insurance company is in a different place, or there is no local branch, then the time spent by the insurance company is difficult to guarantee.

　　The reporter learned that Yi ‘an Property Insurance was criticized by the regulatory authorities because of the limitation of claims. From June to August, 2019, China Banking and Insurance Regulatory Commission accepted 266 complaints about Internet insurance consumption that reflected the alleged violation of laws and regulations of Yi ‘an Property Insurance, which focused on the limitation of claims of Yi ‘an Property Insurance, involving 270 claims. After investigation, there was a problem that 234 claims were approved beyond the time limit. Specifically, Yi ‘an Property Insurance failed to approve the claims within 30 days after the consumer provided the claims certificate and materials, which violated the provisions of Article 23 of the Insurance Law. The average approval time of 234 overdue claims was 55 days, of which 180 claims were approved within 31-60 days, 42 claims were approved within 61-90 days, 7 claims were approved for more than 90 days, and 5 claims were not approved when they were investigated in China Banking and Insurance Regulatory Commission.

　　Consumer suggestion: Buy Internet insurance products through formal channels.

　　Faced with the current situation of internet insurance, the regulatory authorities believe that the purchase of insurance products through internet channels should be "three attentions". First, pay attention to channels, and consumers should pay attention to buying internet insurance products from formal channels such as online shopping malls of insurance companies and third-party network platforms that cooperate with insurance companies; Second, pay attention to qualifications. Consumers should pay attention to whether Internet insurance business operators have corresponding qualifications and do not buy products sold by unqualified subjects; The third is to pay attention to the products, to identify the authenticity of the purchased products, to read the insurance clauses carefully, and to fully understand the scope of protection and exemption of insurance products.

　　In addition, because it is quite convenient to buy insurance on the Internet platform now, the regulatory authorities reminded that it is clear that buying insurance requires "four looks". The first thing is to look at the demand, that is, to choose the right product according to your family situation and your life stage; Secondly, we should look at the products and buy the corresponding products according to the demand. We should not compare insurance with financial products such as bank deposits, government bonds and funds, let alone use it as a substitute for bank deposits. The third is to look at income. Life insurance premiums for more than one year are divided into one-time payment and installment payment. Consumers should consider choosing insurance products with appropriate payment methods. Generally speaking, the premium expenditure is between 5% and 15% of the annual income. Fourth, look at the terms, we must carefully read the contract terms, especially the coverage and exemption clauses of insurance products, and fully enjoy the risk protection function of insurance.

　　The insiders also reminded that it is best to contact the service platform first to report claims, and under its guidance, collect claims materials and submit them for review. In the case of different places, because it is impossible for insurance companies to go to the field for verification, they will generally recognize the identification of two institutions: the relevant certificates of the public security organs and the diagnosis certificate of the hospital.

Porsche’s new Macan is revealed! Released before the end of the year／Interior fully refurbished

The new car is expected to be officially released before the end of this year at the soonest, and is expected to go on sale in early 2024. The overseas market is expected to start at $80,000 (about 550,000 yuan). At the same time, the new car will also be introduced into the domestic market in the form of imports in the same year. The main competitors at the same level cover BMW iX3, Tesla Model Y Performance, Mercedes-Benz EQC, Jaguar I-PACE, Audi Q6 e-tron and other models.

Porsche's new Macan revealed before the end of the year/interior fully refurbished - Figure 1

Porsche's new Macan revealed before the end of the year/interior fully refurbished - Figure 2

Porsche's new Macan revealed before the end of the year/interior fully refurbished - Figure 3

Porsche's new Macan revealed before the end of the year/interior fully refurbished - Figure 4

As can be seen from the previously released road test spy photos, Porsche’s new Macan EV head is equipped with a closed grille unique to new energy models, and new dot matrix LED headlight sets are also provided on both sides. The rear part is expected to provide a through LED taillight set, and a liftable adaptive spoiler is also added above the tailgate, which is more sporty than competing models such as BMW iX3.

Porsche's new Macan revealed before the end of the year/interior fully refurbished - Figure 5

Porsche's new Macan revealed before the end of the year/interior fully refurbished - Figure 6

Porsche's new Macan revealed before the end of the year/interior fully refurbished - Figure 7

In terms of power, Porsche’s new Macan EV will be based on the Premium Platform Electric (PPE) platform architecture and equipped with a battery pack with a capacity of about 100kW · h, with a maximum output power of 450kW and a peak torque of 1000N · m. At the same time, the new car will also launch high-performance models for consumers to purchase in the later stage.In the interior part, the new car will be equipped with the latest family-style multi-function steering wheel, and is equipped with a larger LCD instrument and an embedded LCD central control screen. The lower part of the physical buttons have also been upgraded to a touch design.

How to use Xiaomi smart TV, how to use Xiaomi smart TV [detailed explanation]

　　With the development of smart TVs, many families have now replaced them with smart TVs with clearer pictures and more fashionable shapes. Xiaomi, smart TVs are also one of the more popular smart TV brands in the market. The resolution of Xiaomi TVs has reached the level of 1080p, and Xiaomi smart TVs also have high-tech functions such as Bluetooth, WiFi, DTS, Milian, etc.

　　Compared with many TVs on the market today, Xiaomi Smart TV is very cost-effective, and the configuration is also one of the best. The processor of Xiaomi Smart TV is a quad-core processor of Qualcomm Snapdragon, and the 2GB memory allows you to enjoy high-speed operation efficiency while watching TV. And Xiaomi Smart TV can also be connected to mobile tablets, etc., and the sound effect can also support the very popular Dolby sound effect. But how can Xiaomi Smart TV be used freely?

　　What should I do if I don’t know how to use Xiaomi Smart TV?

　　First of all, after purchasing the Xiaomi Smart TV and installing it, please upgrade the Xiaomi Smart TV system to the latest version according to the instructions. If you encounter some difficulties during use, you can find the "Xiaomi TV Manual" on the desktop of the Xiaomi Smart TV, where you can find the user’s guide.

　　Turn on and off of Xiaomi Smart TV.

　　If you want to use Xiaomi Smart TV, the first step to contact is the switch on and off of the TV. First, after plugging in the TV, the state of Xiaomi TV has entered the standby state. Then pick up the remote control, click the switch button on the remote control, or find the breathing light with the mi logo under the Xiaomi Smart TV, and gently touch it to realize the switch on and off. If not, you can press and hold the physical switch in the lower right corner of Xiaomi Smart TV to complete the switch on and off of the TV.

　　How to watch live on Xiaomi Smart TV

　　If you want to watch live broadcasts with Xiaomi Smart TV, it is actually very simple. As long as the user downloads the third-party video software APK in the software market, and then installs the software into the U disk, that is, the external storage, you can watch live TV. Can you receive more than 600 TV stations across the country?

　　How to choose HDMI, AV, VGA, and other modes

　　When one of the signal sources is connected to the Xiaomi Smart TV, the icon on the main interface of the Xiaomi Smart TV will be automatically lit, which means that the system will automatically select the signal source without manual operation.

　　Overall, the use of Xiaomi smart TVs is still very convenient, and there are also forums for Xiaomi smart TVs. If you want to find some tips for Xiaomi smart TVs, you can often visit the forums. The TV also has instructions for use. I believe users will be able to apply it easily soon.

Meta is hard and OpenAI, and the domestic ＂small model＂ official announces open source. Where is the ＂Hundred Models War＂ going？

　　Since the beginning of this year, the global Internet giants have set off a "hundred-model war", and Microsoft, Google, Baidu and Ali have come to the end one after another. After more than half a year of competition, technology giants are welcoming a new round of road disputes around the big model ecology: facing the parameter "ceiling", will the future of the big model be closed or open?

　　The open source model can run on a home computer.

　　On August 3rd, two open source models, Qwen-7B and Qwen-7B-Chat, were put on the domestic AI developer community "ModelScope", which were Alibaba Cloud Tongyi Qianwen’s 7 billion parameter general model and dialogue model respectively. Both models were open source, free and commercially available.

　　According to reports, Tongyi Qianwen Qwen-7B is a pedestal model that supports many languages such as Chinese and English, and it is trained on more than 2 trillion token (text unit) data sets, while Qwen-7B-Chat is a Chinese-English dialogue model based on the pedestal model, which has reached the cognitive level of human beings.In short, the former is like a "foundation" and the latter is a "house" on the foundation.

　　The actual test shows that the comprehensive performance of Qwen-7B model is good. Among them, on the English proficiency evaluation benchmark MMLU, the score is generally higher than that of the mainstream models with the same parameter scale, even surpassing some models with 12 billion and 13 billion parameter scales. On the Chinese evaluation C-Eval verification set, the model also achieved the highest score of the same scale. Qwen-7B model is also among the best in evaluating GSM8K in mathematical problem solving ability and HumanEval in code ability.

　　That is to say,In the tests of Chinese and English writing, solving mathematical problems and writing codes, Qwen-7B model is properly a "master of learning", and its score even exceeds the international mainstream model with the same parameter level.

　　Besides, the industry is more concerned about the usability of Qwen-7B model. As we all know, the training and operation of mainstream large models need special AI training chips (such as NVIDIA A100), which are not only expensive, but also as high as 10,000 — per NVIDIA A100; 15,000 dollars, and it is monopolized by countries such as Europe and the United States, and it is almost impossible to buy it in China.The domestic Qwen-7B model supports the deployment of consumer graphics cards, which is equivalent to a high-performance home computer to run the model.

　　Thanks to free commercialization and low threshold, the Qwen-7B model has been put on the shelves, which has attracted the attention of AI developers.In just one day, on the code hosting platform GitHub, the Qwen-7B model has been collected by more than a thousand developers, and most of the questioners are Chinese developers.As Alibaba Cloud said in the statement: "Compared with the lively AI open source ecology in the English-speaking world, the Chinese community lacks an excellent pedestal model. The addition of Tongyi Qianwen is expected to provide more choices for the open source community and promote the open source ecological construction of AI in China. "

　　Open source or closed?

　　In fact, Qwen-7B model is not the first big open source model. In fact, GPT-2, the predecessor of ChatGPT, is also completely open source. Its code and framework can be used for free on the Internet, and related papers can be consulted. However, after ChatGPT spread all over the world, OpenAI chose closed-source development, and the model codes such as GPT-3 and GPT-4 have become the trade secrets of OpenAI.

　　The so-called open source is open source code.For example, once the big model is declared open source, anyone can publicly obtain the model source code, modify it or even redevelop it within the scope of copyright restrictions. To make a simple analogy,The source code is like the manuscript of a painting, and everyone can fill in the colors according to the manuscript to create their own artistic paintings.

　　Closed source is just the opposite of open source.Only the source code owner (usually the software developer) has the power to modify the code, others can’t get the "manuscript" and can only buy the finished product from the software developer.

　　The advantages and disadvantages of open source and closed source are very obvious. After open source, the big model will undoubtedly attract more developers, and the application of the big model will be more abundant, but the corresponding supervision and commercialization will become a difficult problem, which is prone to the embarrassing situation of "making wedding clothes for others".After all, open source considers ecological co-prosperity, and it is difficult to figure out the economic account of how much money can be earned at this stage, and these problems happen to be opportunities to close the source.

　　Open source or closed source, this is a big model of life and death, the international giants have given the answer.

　　Meta, the parent company of Facebook, released the big model Llama2 last month, which is open source and free for developers and business partners, while OpenAI firmly chose GPT-4 closed source development, which not only can maintain OpenAI’s leading position in the generative AI industry, but also can earn more revenue. According to the authoritative magazine Fast Company,OpenAI’s revenue in 2023 will reach 200 million US dollars, including providing API data interface services and subscription service fees for chat bots.

　　Domestic big models have gradually begun to "go their separate ways".Alibaba Cloud’s General Meaning ModelAs early as April this year, it was announced to be open to enterprises, and the open source of Qwen-7B model will go further.ERNIE Bot of BaiduIt has also recently announced that it will gradually open the plug-in ecosystem to third-party developers to help developers build their own applications based on the Wenxin model.

　　In contrast, Huawei does not take the usual path. When the Pangu Big Model 3.0 was released, Huawei Cloud publicly stated that,Pangu modelThe full stack technology is independently innovated by Huawei, and no open source technology is adopted. At the same time, Pangu Big Model will gather numerous industry big data (involving industry secrets, etc.), so Pangu Big Model will not be open source in the future.

　　The big parameters are still small and beautiful.

　　In addition, the open source of Qwen-7B model brings another thought:How many parameters do we need a big model?

　　There is no denying that,The parameter scale of the large model is constantly expanding.Take the GPT model under OpenAI as an example. GPT-1 only contains 117 million parameters, and the parameters of GPT-3 have reached 175 billion, which has increased by more than 1000 times in a few years, while the parameters of GPT-4 have exceeded the trillion level.

　　The same is true of large domestic models. Baidu Wenxin model has 260 billion parameters, Tencent mixed-element model has reached 100 billion parameters, Huawei Pangu model has been estimated to be close to GPT-3.5, and ali tong Yida model has officially announced 10 trillion parameters … …According to incomplete statistics, there are at least 79 large-scale models with over 1 billion parameters in China.

　　Unfortunately, the larger the parameter, the stronger the capability of the large model. At the World Artificial Intelligence Conference, Wu Yunsheng, vice president of Tencent Cloud, has a very appropriate metaphor: "Just like athletes practicing physical strength, weightlifters need to lift 200 kilograms of barbells, and swimmers need to lift 100 kilograms. Different types of athletes don’t need everyone to practice 200 kilograms of barbells."

　　As we all know,The higher the parameters of the large model, the more resources and costs are consumed.However, it is not necessary to blindly pursue "large scale" or "high parameters" to deepen the vertical large-scale model of the industry, but to formulate relevant model parameters according to customer needs. For example, the BioGPT-Large model has only 1.5 billion parameters, but its accuracy in biomedical professional tests is better than that of the general model with 100 billion parameters.

　　Sam Altman, co-founder of OpenAI, also publicly stated that OpenAI is approaching the limit of LLM (Large Language Model) scale. The larger the scale, the better the model is, and the parameter scale is no longer an important indicator to measure the quality of the model.

　　Wu Di, the head of intelligent algorithm in Volcano Engine, has a similar view. In the long run, reducing costs will become an important factor in the application of large models. "A well-tuned small and medium-sized model may perform as well as a general large model in a specific job, and the cost may be only one tenth of the original."

　　At present, almost all domestic science and technology manufacturers have got tickets for big models, but the real road choice has just begun.