Xinhua News Agency, Shanghai, May 6 thTitle: Venture loan, training loan, job-seeking loan … … Under the ban, campus loans are still rampant!

　　Xinhua News Agency "Xinhua Viewpoint" reporters Wang Shujuan and Yan Zhihong

　　As early as May 2017, several departments, including the former China Banking Regulatory Commission, issued the "Notice on Further Strengthening the Standardized Management of Campus Loans", clearly requiring that all online lending institutions be suspended from conducting online lending business for college students. However, a recent survey by Xinhua Viewpoint reporter found that there are still many online lending institutions that ignore the regulations, put on entrepreneurial loans, graduation loans, training loans, job-seeking loans and other coats, and continue to lend to college students.

　　The online lending platform still illegally lends money to college students.

　　The reporter’s recent investigation found that in order to avoid the investigation by the regulatory authorities, the marketing methods of some online lending platforms are more subtle, and some continue to lend illegally to college students under the banner of graduation loans and job-seeking loans.

　　Many online lending platforms promote their business through QQ group. The reporter’s search found that some salesmen claimed in the group that they could apply for loans for college students, and said that they "ignored debts, didn’t look at credit information, didn’t audit electricity, didn’t video, didn’t write IOUs, and came to the next one".

　　Huang Peng, a college student, has borrowed money on platforms such as "Spend 100 million yuan first", "Staging Music" and "Flash Silver". He told reporters that although campus loans are forbidden, many people who claimed to help "settle accounts ashore" promoted them on Zhihu, Weibo and WeChat, saying that they could help to borrow new loans and repay old ones, which attracted many students with loans.

　　Some campus loans are covered with "vests", such as leaseback loans, entrepreneurial loans, job-seeking loans, etc. The reporter saw on the post bar that an "ID loan" called "Meow Renting Back" was advertised as a professional mobile phone lending platform, with quick review and quick receipt.

　　A college student told reporters that leaseback loan is actually a kind of campus loan, also called "ID loan". The specific operation is to "lease" the mobile phone to the loan platform and bind the specified Apple ID account. The platform is valued at 3,000 yuan, and 2100 yuan is received after deducting the rental fee or appraisal fee of 900 yuan. In fact, the mobile phone is still used by me, and the platform gives college students loans with high beheading interest in the name of leasing. If you don’t repay the loan on time, you will threaten the borrower by reading the mobile phone address book, mobile phone positioning and other functions.

　　Other platforms ignore the regulations and deliberately lend money to college students without reviewing their identities, and they are all "beheading loans". Yang Xin, a college student in Chongqing, is caught in the vicious circle of "supporting loans with loans". She borrowed money from dozens of platforms, such as Little Ant Wallet, Easy Week Wallet, Quick Loan Wallet and Spend 100 million yuan first. The most recent one was to borrow 3,000 yuan from Easy Week Wallet in early March, which was due in seven days, but only 2,100 yuan actually arrived, with an annualized loan interest rate as high as 15.64% and an overdue fee of one day in 150 yuan. The reporter saw that this 3,000 yuan loan has rolled into more than 7,000 yuan in one month.

　　Liu Xing, a 20-year-old sophomore, recently borrowed 2,000 yuan from the "hairtail" online loan, but only 1,600 yuan actually arrived, which is equivalent to an annualized loan interest rate of over 1,000%. After 7 days, due to the inability to repay, the collection company has been harassing his parents.

　　Some platform identity audits exist in name only.

　　"In fact, according to the age of the ID card, you can roughly judge your identity. If you really don’t want to make a group loan for college students, strictly setting the audit threshold of 25 years old or older can basically be screened out." A person in charge of a cash loan platform told reporters.

　　Many college students told reporters that most platforms indicate that they can borrow money only if they are over 18 years old, but they don’t screen their specific identities. They can pass the audit by checking the "not a student" option. "Although some platforms indicate that they will not lend money to students, they will never ask you if you are a student when you borrow money. You can borrow money with your ID card." Yang Xin said.

　　Huang Peng told reporters that in many platform loans, when filling in the information, just fill in a company near the school, upload an ID card, authenticate the mobile phone operator, and record an authentication video to borrow money.

　　"Staging Music" is known as a staged shopping mall for young people, and its App has a loan service of "Lehua Borrowing Money" in a prominent position. To apply for a loan, you need to register and fill in your personal data, and you have the options of "worked" and "not worked". If you choose "not worked", you need to fill in your school and admission time.

　　Liu Xing, a college student, showed the reporter his personal information on "Staging Music" and clearly filled in the school he was attending and the time of admission. However, on March 26th, he still successfully borrowed money from the staging music platform, having been in debt of tens of thousands of yuan on several online lending platforms.

　　As a college student, the reporter called "Staging Music" to ask for a loan. The customer service told me that you can apply for a loan as long as you are 18 years old, regardless of whether you are a student or not. The platform provides technical and preliminary examination services, and the final lender is a cooperative financial institution.

　　The reporter saw that there were many complaints about "staged music" lending to college students on "Gathering Complaints". A Mr. Xiong spoke out: "‘ Staging music ’ Doing promotion and advertising all over the campus, in the classroom and on the table ‘ Staging music ’ Small card. " Parent Ms. Liu said: "‘ Staging music ’ Deliberately trick students who do not have a stable source of income into super-power consumption and borrowing loans, and make phone and SMS bombing threats when students have no repayment ability, thus kidnapping parents to repay. "

　　We will implement the regulations on punishing campus loans and increase formal financial services for college students.

　　A person engaged in cash loan business told reporters that in fact, the platform is well aware of the illegal lending to college students. They just believe that the parents of college students will repay their children, so even if students have no source of income, they should continue to do so.

　　This person told reporters that recently, the relevant departments have closely checked the "714 anti-aircraft gun" platform with a loan period of 7 days or 14 days and charged high beheading interest and interest, so many platforms have been changed into 30 days and 56 days, or the App has been upgraded into a shopping mall and a loan supermarket.

　　Many people in the industry said that we should cooperate with various regulatory bodies and relevant departments to implement the regulations on punishing campus loans, ban unlicensed lending platforms, and especially crack down on those platforms with legal licenses to lend illegally to college students. The online lending platform should also take the responsibility of verification and strictly abide by relevant regulations.

　　Experts suggest that it is necessary to unblock the combination and let formal financial institutions provide formal financial services for college students. Zheng Li, member of Chinese People’s Political Consultative Conference and vice president of xihua university, has been tracking and investigating the problem of campus loans for many years. The feedback data he obtained from China Banking and Insurance Regulatory Commission shows that by the end of March 2018, 12 banks across the country had launched student credit card business, with a total of 4.01 million student credit cards issued, with a loan balance of 400 million yuan. In the next step, formal financial institutions should be encouraged to increase financial services for college students on the premise of risk control.

　　Fu Weigang, a researcher at Shanghai Institute of Finance and Law, suggested that relevant departments can explore cooperation with Internet finance technology companies to establish a risk control model for students in school, so as to make technical preparations for regulating the campus loan market.

The cold wave hits the bone, and the flu season increases the sorrow. Just after a holiday, I don’t know if everyone is well.

According to the report of influenza-like cases in the 52nd week of 2023 released by the Chinese Center for Disease Control and Prevention on January 4th, the percentage of influenza-like cases reported by sentinel hospitals in southern provinces was 9.6%, which was higher than the previous week’s level (8.8%) and the same period in 2020-2022 (3.6%, 4.0% and 8.4%), and influenza viruses were mainly subtype A (H3N2).

On December 24th, at the press conference held in National Health Commission, Peng Zhibin, director of the Department of Respiratory Infectious Diseases of the Infectious Diseases Management Office of China CDC, said that personal protection was recommended for the elderly, pregnant women, children and patients with serious chronic basic diseases aged 65 and above.

So what should the elderly do in the face of flu season? Come and have a look with me.

First of all, we need to know what the flu is.

Influenza is an acute respiratory infectious disease caused by influenza virus.

Influenza viruses are divided into three types: A, B and C, and the main ones that can cause outbreaks are A and B, among which influenza A is mainly subtype A 1 (H1N1) and A 3 (H3N2).

Often referred to as influenza A virus. There are often symptoms such as sore throat, cough, stuffy nose, runny nose, vomiting, diarrhea, etc., which is difficult to differentiate from the symptoms of respiratory tract infection caused by other pathogens. Vaccination of influenza vaccine in advance is the most economical, effective and important measure to prevent influenza.

Secondly, why are the elderly more likely to get the flu?

The joint research team from the University of Michigan and Temple University found some clues-as people get older, a lipid that controls inflammation will gradually weaken the immune defense ability of the lungs, which will lead to the damage of alveolar macrophage, the first line of defense of the lungs, with age. Macrophages are immune cells, which are distributed in pulmonary alveoli or alveoli. Their main function is to attack external "invaders" such as influenza A virus (IAV).

In addition, the lung compliance of the elderly is decreased, the respiratory muscle strength is weakened, and the cough reflex is also weakened. If there are factors such as coexistence of multiple diseases and malnutrition, it will easily lead to influenza infection in the elderly.

According to the latest "Technical Guidelines for Influenza Vaccination in China (2023-2024)", the elderly aged 60 and above are also classified as key and high-risk groups.

So, what kinds of influenza vaccines can be vaccinated for the elderly?

Currently, influenza vaccines on the market include trivalent influenza vaccine and tetravalent influenza vaccine.

The so-called trivalent influenza vaccine means that it can prevent the infection of three types of influenza viruses, including influenza A H1N1, influenza A H3N2 and influenza B Victoria strains.

The tetravalent influenza vaccine can prevent four types of influenza virus infection, including influenza A (H1N1), influenza A (H3N2), influenza B (Victoria) and influenza B (Yamagata). In view of the epidemic of influenza A (H3N2) this year, vaccination with trivalent influenza vaccine or tetravalent influenza vaccine can effectively prevent it.

Finally, what is the preventive effect of influenza vaccine on the elderly?

Usually after 2-4 weeks of influenza vaccination, antibodies with protective level can be produced. The protective effect can last for 6-8 months, and then the antibody begins to decay.

Special reminder

In daily life, the elderly should frequently open windows for ventilation, strengthen air circulation, exercise regularly and maintain a good lifestyle. In the flu season, try to avoid going to closed places where people gather.

Xiaobian also specially sorted out the vaccination information of the vaccination clinic in Jinshan District. If necessary, you can go to the vaccination according to the vaccination information.

Compile | manage you

Image | network intrusion and deletion

Original title: China CDC: It is recommended to vaccinate against influenza as soon as possible, especially for the elderly.

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On May 13th, migrant workers managed soilless strawberries in Baiyin District Modern Agricultural Science and Technology Demonstration Park.

Recently, in the modern agricultural science and technology demonstration park in Baiyin District, Baiyin City, Gansu Province, strawberries, ginseng fruits and other vegetables and fruits cultivated by soilless culture technology are growing gratifying. The modern agricultural science and technology demonstration park in Baiyin District mainly grows vegetables and characteristic forest fruits, which greatly saves land use area and labor cost, promotes agricultural transformation and realizes efficiency and income increase.

Xinhua News Agency reporter Ma Xiping photo

This is the pineapple tower liquid cultivation facility filmed in Baiyin District Modern Agricultural Science and Technology Demonstration Park on May 13th.

Recently, in the modern agricultural science and technology demonstration park in Baiyin District, Baiyin City, Gansu Province, strawberries, ginseng fruits and other vegetables and fruits cultivated by soilless culture technology are growing gratifying. The modern agricultural science and technology demonstration park in Baiyin District mainly grows vegetables and characteristic forest fruits, which greatly saves land use area and labor cost, promotes agricultural transformation and realizes efficiency and income increase.

Xinhua News Agency reporter Ma Xiping photo

On May 13th, migrant workers took care of fruits and vegetables in Baiyin Modern Agricultural Science and Technology Demonstration Park.

Recently, in the modern agricultural science and technology demonstration park in Baiyin District, Baiyin City, Gansu Province, strawberries, ginseng fruits and other vegetables and fruits cultivated by soilless culture technology are growing gratifying. The modern agricultural science and technology demonstration park in Baiyin District mainly grows vegetables and characteristic forest fruits, which greatly saves land use area and labor cost, promotes agricultural transformation and realizes efficiency and income increase.

Xinhua News Agency reporter Ma Xiping photo

On May 13th, migrant workers took care of fruits and vegetables in Baiyin Modern Agricultural Science and Technology Demonstration Park.

Recently, in the modern agricultural science and technology demonstration park in Baiyin District, Baiyin City, Gansu Province, strawberries, ginseng fruits and other vegetables and fruits cultivated by soilless culture technology are growing gratifying. The modern agricultural science and technology demonstration park in Baiyin District mainly grows vegetables and characteristic forest fruits, which greatly saves land use area and labor cost, promotes agricultural transformation and realizes efficiency and income increase.

Xinhua News Agency reporter Ma Xiping photo

This is a soilless celery photographed in Baiyin District Modern Agricultural Science and Technology Demonstration Park on May 13th.

Recently, in the modern agricultural science and technology demonstration park in Baiyin District, Baiyin City, Gansu Province, strawberries, ginseng fruits and other vegetables and fruits cultivated by soilless culture technology are growing gratifying. The modern agricultural science and technology demonstration park in Baiyin District mainly grows vegetables and characteristic forest fruits, which greatly saves land use area and labor cost, promotes agricultural transformation and realizes efficiency and income increase.

Xinhua News Agency reporter Ma Xiping photo

This is a spiral pipe cultivation facility filmed in Baiyin District Modern Agricultural Science and Technology Demonstration Park on May 13th.

Recently, in the modern agricultural science and technology demonstration park in Baiyin District, Baiyin City, Gansu Province, strawberries, ginseng fruits and other vegetables and fruits cultivated by soilless culture technology are growing gratifying. The modern agricultural science and technology demonstration park in Baiyin District mainly grows vegetables and characteristic forest fruits, which greatly saves land use area and labor cost, promotes agricultural transformation and realizes efficiency and income increase.

Xinhua News Agency reporter Ma Xiping photo

　　The charging standard for ordinary passports has been reduced to six national emission standards for motor vehicles in 120 yuan and many places, the new vehicle purchase tax law has been implemented, and Shanghai hotels have not offered "six small items" … … In July, a batch of new laws and regulations will affect our lives.

　　National laws and regulations

　　The fee standard for ordinary passports is reduced to 60 yuan for each 120 yuan Pass to and from Hong Kong and Macao.

　　According to the Notice of the Ministry of Finance of the National Development and Reform Commission on Reducing Some Administrative Fees, since July 1, 2019, the entry-exit administration departments of public security organs across the country have lowered the fees for ordinary passports and passes to and from Hong Kong and Macao. Ordinary passports have been reduced from 160 yuan to 120 yuan, and passes to and from Hong Kong and Macao have been reduced from 80 yuan to 60 yuan. The documents accepted before July 1 are still implemented according to the original standards.

　　It is understood that in order to maximize the benefits of the entry-exit documents fee reduction policy, the State Administration of Immigration has decided to reduce the fees for ordinary passports and entry-exit passes for China citizens who apply for the most entry-exit documents. It is estimated that 65 million people will benefit each year and the related expenses of the people will be reduced by about 2 billion yuan.

　　Implement the national six emission standards for motor vehicles in many places.

　　According to the State Council’s "Three-year Action Plan to Win the Blue Sky Defence War", starting from July 1, 2019, key domestic regions, the Pearl River Delta region and Chengdu-Chongqing region will implement the national six emission standards ahead of schedule. As an important measure to promote air quality improvement in major cities, more than 10 provinces and cities have successively issued documents to implement the national six emission standards in advance in 2019.

　　The National Sixth Emission Standard refers to the sixth-stage emission control requirements in the Emission Limits and Measurement Methods of Light Vehicle Pollutants (China Phase VI) (GB18352.6-2016). Compared with the fifth country, the sixth country will strictly control the emission of pollutants, for example, the carbon monoxide emission of gasoline vehicles will be reduced by 50%, the emission limit of total hydrocarbons and non-methane total hydrocarbons will be reduced by 50%, and the emission of nitrogen oxides will be reduced by 42%.

　　The new vehicle purchase tax law implements the vehicle purchase tax rate of 10%.

　　The seventh session of the 13th the National People’s Congress Standing Committee (NPCSC) voted and passed the People’s Republic of China (PRC) Vehicle Purchase Tax Law, which stipulated that the vehicle purchase tax rate was 10%. The new purchase tax law shall come into force on July 1, 2019, and the Provisional Regulations on Vehicle Purchase Tax in People’s Republic of China (PRC) promulgated by the State Council on October 22, 2000 shall be abolished at the same time.

　　The Law stipulates that units and individuals that purchase automobiles, trams, car trailers and motorcycles with exhaust capacity exceeding 150 ml in People’s Republic of China (PRC) are taxpayers of vehicle purchase tax and shall pay vehicle purchase tax in accordance with the provisions of this Law. The vehicle purchase tax shall be levied at one time, and the vehicle purchase tax shall not be levied if the vehicle has been levied.

　　Taxpayers shall pay the vehicle purchase tax before handling the vehicle registration with the traffic administrative department of the public security organ. When handling vehicle registration, the traffic administrative department of the public security organ shall check the information of the vehicle that the taxpayer applies for registration according to the electronic information of tax payment or exemption of taxable vehicles provided by the tax authorities, and handle vehicle registration according to law after the verification is correct.

　　It is more convenient to cancel the tax on July 1st.

　　State Taxation Administration of The People’s Republic of China issued the "Notice on Deepening the" streamline administration, delegate power, strengthen regulation and improve services "Reform and Promoting the Optimization of Tax Cancellation Procedures", which refined, supplemented and improved the existing policies from three aspects: expanding the scope of immediate operation, simplifying the business procedures before cancellation and reducing the submission of materials, and launched a series of measures to optimize the tax cancellation procedures, which will be implemented on July 1 this year.

　　Since the implementation of tax clearance certificate exemption service in September 2018, taxpayers who have not handled tax-related matters can directly apply to the market supervision department for cancellation if they meet the simple cancellation conditions. In response to the demands of taxpayers, the notice issued this time has expanded the scope of immediate handling. In such cases, the tax authorities will immediately issue tax clearance documents for taxpayers who have no tax arrears (late fees) and fines and complete information. At the same time, if there are no overdue taxes (late fees) and fines but the information is not complete, the "commitment system" can be adopted to accommodate the lack.

　　Local laws and regulations

　　The minimum hourly wage in Beijing increased to 12.64 yuan.

　　On May 14th, the Beijing Municipal Bureau of Human Resources and Social Security issued the Policy Interpretation on Adjusting Beijing’s Minimum Wage Standard in 2019 (hereinafter referred to as "Interpretation"). According to the interpretation, from July 1st, the minimum wage in Beijing was adjusted from not less than 12.18 yuan per hour and not less than 2,120 yuan per month to not less than 12.64 yuan per hour and not less than 2,200 yuan per month. It is clear that four categories of items, such as overtime pay due to workers, social security fees payable by individuals and housing accumulation fund, are not part of the minimum wage standard, and employers should pay them separately according to regulations.

　　Interpretation pointed out that the unemployment insurance benefits of employees, sick pay during medical treatment, and the basic living expenses of employees in the case of work stoppage or business closure will increase with the adjustment of the minimum wage standard.

　　Interpretation emphasizes that the following items are not part of the minimum wage standard, and the employer should pay separately according to the regulations: allowances for workers in special working environments and conditions such as middle shift, night shift, high temperature, low temperature, underground, toxic and harmful; Workers deserve overtime and extra pay; Various social insurance premiums and housing accumulation funds payable by individual workers; Other income that is not included in the minimum wage standard according to the provisions of the state and this Municipality. This means that the minimum wage in this city refers to the "net income" that employees get.

　　Interpretation is clear. From July, the hourly minimum wage standard for part-time employees is determined to be 24 yuan/hour, and the hourly minimum wage standard for part-time employees on statutory holidays is determined to be 56 yuan/hour. The above standards include pension, medical care and unemployment insurance premiums that employers and workers should pay. The so-called part-time employees, that is, in the same employer, the average daily working hours are generally no more than 4 hours, and the cumulative working hours per week are no more than 24 hours.

　　Shanghai Hotel does not offer "six small items" on its own initiative.

　　From July 1st this year, hotels in Shanghai will not provide disposable toothbrushes, combs, bath wipes, razors, nail file, shoe wipes and other "six small items" to promote the reduction and reuse of resources. The Shanghai Municipal Bureau of Culture and Tourism recently issued the "Questions and Answers about the City’s Tourism and Accommodation Industry’s Not Offering One-off Daily Necessities for Rooms", saying that hotels should give consideration to the convenience and satisfaction of guests when they don’t offer "six small items"; If the original fee is not charged, you may not take the opportunity to charge.

　　The above-mentioned "six small items" are daily necessities that are recycled and reused in daily life in the guest room and are convenient for consumers to carry with them when traveling. First of all, choose the above categories, with the principle of promoting the source reduction of domestic waste, taking into account the operability of tourist accommodation enterprises, and considering the convenience and satisfaction of hotel guests.

　　The main point of "not offering voluntarily" lies in "not taking the initiative", that is, hotels can’t actively configure and set disposable articles, which reflects "passivity"; However, when the in-house guests clearly express their needs, the hotel can still provide the above-mentioned "six small items", which can be delivered to the door or the guests can apply at a specific place.

　　Zhejiang comprehensively carries out the management of expressway "illegal and untrustworthy list"

　　From July 1st, Zhejiang will comprehensively carry out the management of expressway "illegal and untrustworthy list". This means that once the freight vehicles that have been included in the expressway "illegal and untrustworthy list" drive to the expressway toll station, if they are not punished on time for rectification, they will be guided and persuaded to return when they get on the expressway.

　　At present, Zhejiang Province has completed the off-site law enforcement platform system for expressway overload control, and realized the interconnection and intercommunication with the weighing data of expressway networked toll collection system. The off-site law enforcement platform of Zhejiang Province regularly collects the toll data of over-limit vehicles on expressways in the whole province, makes an "illegal judgment" on the off-site law enforcement information data, and sends the judgment results to the off-site law enforcement platforms of various cities to publicize the relevant vehicles on the local traffic extranet or government service network. If there is no objection during the publicity period, a "list of illegal and untrustworthy" will be generated.

　　The administrative fees charged by local enterprises in Yunnan Province have been cleared since July.

　　From July 1st this year, Yunnan Province will cancel the Erhai Lake resource protection fee and Fuxian Lake resource protection fee of Dali Ancient City, and the administrative fees for enterprises set up in Yunnan Province will be "cleared". According to the data of Yunnan Provincial Department of Finance, in 2018, the income of Erhai Lake resource protection fee and Fuxian Lake resource protection fee in Dali ancient city was 76.87 million yuan and 11.92 million yuan respectively.

　　Large-scale advertisements with high columns are prohibited in Jinan

　　On May 31st, the 12th meeting of the Standing Committee of the 13th National People’s Congress of Shandong Province reviewed and approved the Regulations on the Administration of Outdoor Advertising and Plaque Signs in Jinan, which further standardized the setting and supervision of outdoor advertising and will be implemented from July 1st, 2019.

　　The new regulations clarify the areas and carriers where outdoor advertisements are prohibited. Outdoor advertisements are prohibited in the management areas along the moat, within the scope of spring parks and scenic spots (except public service advertisements), within historical and cultural blocks, cultural relics protection units and historical buildings. The regulations put forward that it is forbidden to set up advertisements on the roof of buildings, bridges, large-scale advertisements with high columns and advertisements that may endanger the safety of buildings and facilities.